Medicare health insurance and personal accident insurance continue to be the second filed to bring revenue to the non-life insurance company. It’s not the all of everything. The healthcare insurance and medicare health insuranceproducts have been evaluated with a very good growth. However, so many insurers still worry for this product.
According to the Vietnam Insurance Association, the first 6 months of 2015, total revenue premiums of the health care market reached over 866 billion VND.
There are 19 enterprises have engaged in providing insurance products, but separate 4 leading insurer which included LIBERTY accounted for 91.4% of total revenue. Health insurance and medicare health insurance have earned positive results not only because some insurers choose this product as one of the “spearhead” of retail, in fact, people have really concerned about their health.
Not only asking information via dealers, the number of customers asking about health insurance on Facebook is increasing. Representatives of the insurance company Liberty said that in 2014, on average each month only a few people asked about health insurance through Facebook of Liberty, but the first 6 months of this year, almost every day someone asked.
In Vietnam’s insurance market, insurance sales online have been invested by some insurance companies, such as Liberty, etc. Those wishing to buyMedicare health insurance just need to visit the company’s web site. As a result, they are provided sufficient information about the product, the insurance rules, application forms, fees, or hospital system to accept insurance cards, etc. The only issue to consider is to choose the appropriate product to protect the health needs of individual customers.
Representatives of insurance companies have a large share of the Medicare health insurance field said that revenues of health insurance grew rapidly because more and more businesses buy insurance for officers and staffs. Health insurance sooner becomes a policy in the ensure benefits for employees. Also, there is another reason that some insurance companies tends to increase compensation paid because the compensation rate is now raising everyday. For the “wholesale” of health insurance, insurance companies focus on customers whom are businesses, non-governmental organizations…
Not only the growth in business customer segment, today, is Medicare health insurance becoming a favorite of parents, especially those families whose children are sick, hospitalized frequently. Indeed, there were many families that have substantial savings in hospital costs for children, thanks to the purchase of health insurance and periodic soon.
However, Vietnam still think that buying “insurance to use”, rather than “buy insurance for peace of mind”, so health insurance segment individuals / families often have a higher rate of compensation than enterprise customers.
Representing of some insurer admitted that individual customers have purchased Medicare health insurance only when they feel the need to use health services increased as: buy health insurance for their little child or elderly parents, buying when preparing Maternity, etc. Therefore, some insurers are focusing on selling health insurance for businesses, and tightened terms and increased fees for products sold to individuals.
For the “wholesale”, an industry expert said that the sale of insurance for businesses that have many employees in reproductive age of women may cause the insurance company to pay more than usual. According to preliminary statistics of the Association of Insurers, general compensation rate of the first 6 months of operations in 2015 was about 40%.
Besides the fun for the growth of this business, insurance companies are still concerned because medicare health insurance has high business profit rate is, ranging from simple cases to complex extractions magazine as childbirth, surgery…
The insurance companies have some form of statistical self-seeking customers or primarily use and insurance companies is difficult to control at all, that is: the assured collaboration with health facilities / doctors do not record honestly; coordinate with drugstore to earn money, do not buy drugs to treat but to buy bills for payment; dishonest declaration of risk and distorted facts in the record, such accidents in traffic by using stimulants but the insured declared in the statement that accident Living at home …
“The problems with insurance fraud in this area still exist today, if not somewhat more serious than before,” represent from an insurance company shares.
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