Investigating the fire that makes 4 members in a family die

Insurance company: On May 4^th, the last victim of house fire in the town of Hoang Mai (Nghe An province) died. Authorities initially concluded the fire was caused by gasoline and are tracing the culprits. Lieutenant Colonel Pham Ngoc Anh - Quynh Xuan ward police chief, said Hoang Mai town, the last victim of house fires in block 11 is Le Tien Dong (19) died at the National Burn Institute.

Insurance company: Tragic house fire occurred on the morning of May 2^nd as Mr. Le Tien Ngu (40) and Nguyen Thi Cornelius (38), the parents of the victims died on the spot. The two twins are Dong and Dieu  got burn and being moved to hospitalized national emergency.

One day later, his brother was the hospital Le Tien Dieu was be returned then breathed his last on the way. Also today, he also did not survive. Currently the family is moving the victim's body back home for burial organization. Meanwhile, authorities said, the last scene examination, investigating authorities determine horrific fires due to gas. This is also consistent with the testimony of the victim's family and witnesses.

Specifically, according to Vu Van Tu - Chairman of Quynh Xuan Ward, extract information from family members, the fifth day, he had bought about 20 liters of gasoline valued VND 300,000 to storage indoor. His children found out his trange action but they cannot know where he hide all of 20 liters.

The dawn of May 2^nd to occur under fire at home, in the bedroom of mr. Ngu’s wife. Heard cries, Dong and Dieu rushed to put out the fire on, but also choking smoke and scorched.

Through the scene examination, force detection staffs smell petrol on the mattress in the bedroom, and the closing door. Therefore, when the fire occurred in the house, which was not able to open the door to escape. This is also consistent with witness statements at the scene after the fire occurred. That is when to put out the fire at people, they smell gas concentration anonymously.

Insurance company: Cot death as she fires in the prone position on the spot, while he laid dead language at the door. Two sons after the run out, a man down on the step, the rest falls in the tank, suffered serious burns. "Although many statements that he caused the fire is said Le Tien Language - one of the victims died, but authorities continue to investigate to find the cause, so no formal conclusions "an investigator said.

Insurance company: New promotion trend for retail stores – P.2

Insurance company: Specifically, when you buy the phone from a retail store and participating thief insurance package, taking fires miscarriage machine will no longer be just a little risk that disrupts in the use of the phone. Customers only need to report, and waiting for confirmation by the competent authorities at local, additional charges are very low exemption; the retail store will immediately give customers a new phone with the same type of equipment.

More attractively, when customers are not buying insurance packages, one of the biggest promotion is to give free of charge to customers, help customers feel more secure during using time.

Nowhere is change, loss paid - security service package for excellent customer at A Telecommunications monopoly, is a testament to the business philosophy of customer interests. So, be smart consumers, who wish to purchase to use your phone, you may want to actually become ... God?

And customers say...

Insurance company: Ms. Thao Ngoc Luong (District 12, HCMC): When anybody of my family have a need to buy phones, I usually learn and buy at a certain retail because they are more attractive with incentive programs, especially  Vplus programs, by not only buy the phone, participating in activities, Vplus games, I can buy other products with incredibly cheap price.

Recently, I have thought of the gift pack of thieves Insurance. I should decide to buy iPhone 6s installment here. Just might be the phone for so long dreamed of, just a lot more secure, because the phone thefts resulted from his not fret when buying phone features but high prices.

Insurance company: Anh Cao Ngoc Toan (District 8, HCM City): Actually I was very little emphasis must buy phone where, how privileged. I simply chose the places selling prestigious brand and a reasonable price, that's OK. However, with the insurance package, I really welcome and I think that it can be seen as a move to protect customers positively. Accordingly, do not say the current price will be given back pretty good free thieves insurance package. I think there are no reasons to not to buy the phone at retail stores.

Product liability insurance is not paid enough attention

Playing role in sharing risk with manufacturers and supporting consumer, product liability insurance is considered an indispensable element of many developed countries. However, this type of insurance is not paid enough attention in Vietnam.

Product liability is not a concern

According to Phung Dac Loc, Secretary General of the Vietnam Insurance Association, responsible for the product for the producers, business people in Vietnam have not been mentioned much, though the Civil Code had prescribed.

For example, in cases of food poisoning in Nha Trang, making 60 traveler must go to the emergency and their trip was canceled. Worthy, the responsibility of the restaurant's products must fully compensate travel, the cost of treatment and personal income for people poisoned during hospitalization. However, product liability of restaurants in Vietnam are not mentioned. Or 2006, in Da Nang, a small child playing carousel crashed to the ground dead, then a new public opinion was shocked to question the responsibility for organizing various entertainment.

Not only domestic merchandise that even Vietnam's exports could not avoid this situation. Pangasius, frozen shrimp antibiotic residues too big when exported to Japan was forced destruction. Or as bottled mineral water for export to Australia was returned because the order detecting domestic hair ... So apart from compensation for breach of contract, Vietnam must now bear the full cost of wharves, warehouses during shipment is awaiting customs procedures in the host country and the shipping costs.

Product liability in the countries of the world has long been interested and very tight handling. There have been many manufacturers, the business must compensate for high levels because of forgotten or guidelines recommended for use on product packaging. 555 tobacco Department must compensate hundreds of billions worth because not recommend lung cancer harm to users is one lesson to heart not only for the tobacco company in particular but also the experience blood for manufacturers, business and other products.

These ideas will be the lesson, is the warning bell on product liability for the production and trading. However, product liability insurance has not received the attention worthy destination. Most businesses do not buy insurance Vietnam product liability if it is not in the contract commitments. This type of insurance is purchased in case Vietnam now working with foreign partners. Currently, the Vietnam insurance companies and insurance companies invested abroad still receive product liability insurance. Some domestic insurers have links with foreign insurers other to perform litigation ...

Need to increase the level of sanction

Currently, consumers have interest but sanitary condition but no products struggle a meaningful way. Therefore, manufacturers increasingly disregarded the safety factor products, this situation lasts long and increasingly serious consequences.

Besides, Vietnam enterprises also not interested in the international practice. For example, a chair by Vietnam produce stand just sitting largest gravity is 80 kg, however, so not recommended, so as to export to foreign markets, the 100 kg sitting on a broken chair made and people with spinal cord injuries. Certainly, in this case, now Vietnam will have to bear all the compensation without liability insurance products.

Although the Civil Code stipulates liability products, but the sanction was too light, only administrative sanctions warning identifiable with several million should not be effective.

Meanwhile, at present, in Vietnam, the authorities protect the interests of consumers are not much. Volume was meager, hardly operational status salty, so, product liability is far from desirable. To remedy this situation, the government and state authorities on product safety and product quality to be really involved. Governments should have the decree guiding the Civil Code. The authorities need to manage more closely, bar regular inspections, continuous production facilities of goods, especially food safety

Why consumers have to protect themselve?

Consumer rights are being seriously violated in many forms and in many areas, while the Law on Protection of consumer rights is still limited and not come to life. For example, many companies and organizations running businesses on goods which may cause damage to human life and health, animals and plants hesitate buying product liability insurance.

Widespread violation

Law on Protection of consumer rights with effect from the date 1-7-2011 assert consumer rights are respected and protected in accordance with law. State and society have the responsibility to make timely, fair, transparent and lawful to protect the interests of consumers.

However, according to the jurists, law enforcement remains limited. The business organization is not interested in the provisions of law applicable to their responsibilities in providing information on goods and services or to explain clearly the trading conditions for consumers when signing contract. The base units and agencies tasked to help the MPC perform state management functions on protection of consumer rights is still much confusion, inadequacy, the propaganda of the law is not strong, the lack of inter continue. This weakness leads to real-time status of goods, counterfeiting and Piracy, shoddy goods and commercial fraud events increasingly sophisticated.

Of the more than 150 complaints sent to the Association for the Protection of consumer rights in many industries City restaurant and various services, most of the complaints of consumers arising from breach of the Law on Protection of human rights Consumers, not just individuals, business organizations, but also consumers are violated due to lack of understanding of the law. Many issues related to the law is completely overlooked as the business unit does not provide vouchers, while sales invoice; controlling contract form and general trading conditions are quite strict rules but the fact still not been implemented ultimately ... For this reason, the settlement of the complaint is not effective.

Need evaluation agency product quality

Concerning the evaluation of commodity issues, recently occurred disputes between consumers and companies selling gold in Diamond Plaza Trade Center on several dozen items of gold jewelery and precious stones worth up to 500 million. The case has been steering clear, many departments have a meeting but has no regulatory authority to deal with while still challenging business customers, not to attend the mediation of the Assembly.

One of the advantages of the Law on Protection of Consumer Rights is to create favorable conditions for the consumer may exercise the right to sue to defend their rights, but so far consumers have no legal conditions Management to implement by the inadequacies, lack of uniformity in the legislation. There have been many cases of consumers to buy low-quality goods but they did not know how to handle, thanks to public bodies or spontaneous reactions style so often fall into bad state.

To promote efficiency law, lawyer Nguyen Van Hau, Vice Chairman of HCMC Bar Association said that the need to provide transparency for the legal protection of consumers, the rules must be clear about the picture form and content in order to protect the interests of consumers. The sanctions, sanctions against counterfeiting, shoddy goods have not created the rule. It should be mandatory for private organizations dealing in goods which may cause damage to the life and health of human, animals and plants must buy product liability insurance.

After 2 years of implementation of the Law on Protection of consumer rights will certainly have to adjust, modify suit the actual circumstances. Initially, only the enthusiasm, dedication and perseverance in law enforcement, consumer interests are also common interests of each agency, organization or individual in society, the protection new consumer rights have practical effects. In the context of future products, counterfeiting, contraband ... rampant as today, the close collaboration of the stitching, the consumer unit and working together is the most practical to create strong social pressure for protect consumer interests.

Product liability insurance and concerns

Although there are many manufacturers want to buy product liability insurance in order to increase confidence for customers - an effective marketing tool for them. However, few companies can afford product liability insurance and few insurance companies have the courage to offer this product.

Revenue from product liability insurance is still very modest, only about 1% of total revenue, which is the result of a survey at some enterprises have deployed products. Across the market, but no adequate statistics, but a whole array of general liability insurance accounts for only about 2% of the total premium of the market for non-life insurance and compensation percentage is below 10%, Exceptions have an insurance company under the top are the percentage of compensation up to 84% in the first quarter / 2014.

Talk about paradoxes for more supply for product liability insurance, represent an insurance company said the non-life insurance product liability is a fairly complex product in terms of the fees and compensation often. People specialized product called it "long-tail" (long tail) since the inception of customer events can occur long after they buy the product. Meanwhile, insurance companies still have to be responsible, therefore, the risk is very high.

As insurance for products of many large enterprises such as Shell Gas, Big C and Lotte Mart, Insurance Vietnamese representative said that in recent years, the sense of responsibility to buy insurance products were also popular more variable for the manufacturing enterprise and supply products in countries where there is risk of damage to third parties such as gas processing, pharmaceutical, cosmetics ...

However, the representative also confirmed that popular type of insurance in developed countries due to mandatory provisions of law, by the consciousness and the demand from major consumer of products and important Advanced most sense responsible for the supplier's products, but this is a complex type of coverage may be related due to the legal provisions on consumer protection not only in Vietnam but there may be countries where the product is consumed. Therefore, this type of coverage should be provided by large insurance companies have the capacity and experience in the insurance market of Vietnam.

Reportedly, customers purchasing liability insurance type products now mainly foreign enterprises and enterprises with foreign investment or trading firms with international market conditions for buyers Product liability insurance is mandatory in commercial contracts. However, the number of domestic manufacturing enterprises are interested in this type of insurance is also increasing, so buy product liability insurance in addition to bringing peace of mind to customers, this is a effective marketing strategy.

Although there is currently no insurance companies involved in the deployment of this type of coverage (only a few of the non-life insurers in the group market leader and foreign insurance companies), but in the future , with product demand increased strongly, the smaller insurers will certainly be seeking to enhance their competitiveness to advance to the "playground" is.

Of course, between theory and reality has always been a long road, but in the economic context more difficult, demand for property insurance, marine ... down, the product liability insurance may is an attractive segment Other. Moreover, after the economic crisis, the non-life insurance sector is in the restructuring phase of insurance products, changing direction, instead of just focusing on premium products generate higher revenues but customers increasingly diminished as difficult.

Người lao động có quyền tự do lựa chọn hình thức bảo hiểm

Hình thức bảo hiểm người lao động được áp dụng rất nhiều năm tại thị trường lao động ở việt Nam nhưng vẫn còn nhiều bất cập. Người lao động đã từng ý kiến về việc họ không có ý định đăng kí tham gia bảo hiểm hoặc không muốn tham gia những loại bảo hiểm bị bắt buộc hiện hành, hoặc họ muốn tham gia thêm hoặc bớt loại bảo hiểm nào đó. Trước những ý kiến này, nhận thấy sự hợp lí và rõ ràng của tính chất sản phẩm bảo hiểm. Nhà nước và Chính phủ đã thông qua quyết định được xem là có một bước tiến mới cho doanh nghiệp và người lao động Việt Nam.

Luật bảo hiểm được thông qua

Theo kết quả phiên hopk ngày ¼/2015, cuộc thảo luận về báo cáo của Bộ lao động có kiến nghị về Luật bảo hiểm xã hội. Ngoài ra, trước phiên họp này, đã có đề án xem xét lại cho phép người lao động có quyền tự chọn hưởng trợ cấp từ bảo hiểm xã hội và lương hưu của họ. Rất nhiều phương án đã được đề xuất có lí do và hợp lí. Một trong những sự kiện ảnh hưởng đến các cuộc họp này là do lực lượng công nhân tại một công ty ở địa bàn TP.HCM đã biểu tình tập thể, ngừng công để phản đối một số quy định mới của Luật bảo hiểm xã hội, bảo hiểm người lao động mà theo họ thì nó vô cùng vô lí.

Chính Phủ đã chấp nhận trao trả quyền tự do lựa chọn hình thức bảo hiểm người lao động, mức phí và các điều khoản hưu trí bổ sung cho người lao động tự làm chủ. Các lí do người lao động đưa ra là hợp lí và thể hiện được sự chủ động của họ trong việc giành quyền lợi chính đáng cho bản thân mình. Chi tiết là người lao động sẽ co quyền chọn chế độ hưởng bảo hiểm xã hội một lần theo trường hợp nếu không đủ thơi gian đóng bảo hiểm xã hội để hưởng lương hưu trí thì được hưởng bảo hiểm xã hội một lần thay vì cộng dồn nhiều năm làm việc để tích lũy thì mới hưởng lương hưu.

Quyết đinh thông qua việc sửa đổi Luật bảo hiểm xã hội đã được nhân dân nhiệt liệt hoan nghênh tinh thần lắng nghe từ phía Chính phủ và Nhà nước khi xem trọng quyền lợi của người lao động và tiếng nói của người dân hơn. Từ nay, người lao động sẽ yên tâm thi tham gia sản xuất và được bảo hiểm theo đúng ý muốn.

Product liability insurance: Is it being made use in the right way?

With the role of sharing risks with manufacturers and giving remedial support for consumer, product liability insurance is considered an indispensable element of many countries with economies in commodity development. However, this type of insurance does not have “happy hunting ground” in Vietnam.

Product liability is not a concern
According to Mr. Phung Dac Loc, General Secretary of the Vietnam Insurance Association, the responsibility of the product from the producers and business people in Vietnam have not been mentioned much, though the Civil Code had prescribed.

For example, in case of food poisoning in Nha Trang, it made 60 travelers going to the emergency and their trip was canceled. In fact, the responsibility of the restaurant’s products must fully compensate for the whole trip, the cost of treatment and personal income for people poisoned during hospitalization. However, the product liability of restaurants in Vietnam is not mentioned. Or 2006, in Da Nang, a small child was playing carousel that crashed to the ground and died, then a new public opinion was shocked to question the responsibility for various entertainment business.

Not only domestic merchandise that even Vietnam’s exports could not avoid this situation. Pegasus, frozen shrimp which contain a large amount of antibiotic residues when exported to Japan was forced to be destructed. Or the case of as bottled mineral water for exporting to Australia was returned because the order detecting domestic hair inside a certain bottle, etc. So apart from compensation for breach of contract, Vietnamese business must bear the full cost of wharves, warehouses during shipment that were waiting for customs procedures in the host country and the shipping costs.

Product liability in the countries of the world has been interested for a long time and is very tight handling. There have been many manufacturers, and business must compensate for high levels because of forgetting guidelines or recommendation for usage on product packaging. 555 tobacco Department must compensate hundreds of billions worth because they did not recommend that lung cancer can harm to users. That case is one big lesson to learn by heart not only for the tobacco company in particular but also for other manufacturers, business, etc.

We think that those typical cases would be the outstanding lessons, which are the warning bell about product liability for the production and trading. However, product liability insurance has not received the worthy attention. Most Vietnam businesses do not buy product liability insurance if it doesn’t require in the contract commitments. This type of insurance is purchased in case Vietnam business working with foreign partners. Currently, the Vietnam insurance companies and insurance companies which have invested abroad still provide product liability insurance. Some domestic insurers have links with other foreign insurers to perform litigation, etc.

Need to increase the level of sanction
currently, even consumers have interest in sanitary condition but there is not any struggle in a meaningful way. Therefore, manufacturers increasingly disregarded the safety factor products. This situation lasts in a long time and increases serious consequences.

Besides, Vietnam enterprises also do not interest in the international practice. For example, a chair made by Vietnam business just stands the largest sitting gravity of 80 kg, however, without recommendation, when they export to foreign markets, a person of 100 kg sitting on that chair broke it right then and that person got injuries. Certainly, in this case, Vietnam business will have to bear all the compensation without liability insurance products.

Although the Civil Code stipulates liability products, but the sanction was too light, only administrative sanctions warning identifiable with several million should not be effective.

Meanwhile, in Vietnam, the authorities protect the interests of consumers are not much. Volume was meager with a hardly operational status, so, product liability is far from desirable. To remedy this situation, the government and state authorities of product safety and product quality have to be really involved. Governments should have the degree guiding the Civil Code. The authorities need to manage more closely, regularly observe the production facilities of goods, especially food safety.

What are the evaluated factors in aviation product liability insurance?

As we all know, product liability is the liability of manufacturers, distributors, wholesalers, retailers, provides a product to the buyer, the user or customer. The insured is the manufacturers of products sold in the market at home and abroad. And, those subjects covered are the products. It means all kinds of items or goods manufactured for the purpose of personal use, family, organization or business for purposes of the enterprises.

How does the insurer assess risks? The insurer assess risks based on factors such as: The degree of risks of the product, using area, jurisdiction system, type of aircraft, sales, attitudes  of quality management, obligations contract, claim experience. 

The risk level of the product
the high risks are such as gear wheels (aircraft), hydraulics, steering wing surfaces, engine. The average risks are such as avionics, fuselage, and generators. The low risks are such as equipment fitted kitchen, chairs, rugs and accessories.

Aircraft Type

Civil aircraft are more risky than military aircraft, caused by the size of aircraft, number of passengers, offset from the government, etc. …

Revenue
Revenue is used to guide for payments occur when the product liabilityincurred and to determine premiums. The insurance requires actual revenues of the previous year and an estimated turnover of the upcoming year.

Quality management attitude
the attitude of manufacturers, their safety approaches and quality management help insurers assess risk and can really help them to reduce premiums.

The obligations under the contract
The obligations under the product liability contract include: compensation, ensuring no harm, those additional insurance, transferring rights. A general rule to establish contractual obligations in the field of product liability insurance for aviation is the range does not include any liability assumed under contract is greater responsibility in the case law If there is no contract unless business practices or the insurance coverage such approval.

Claim experience 
With any form of insurance, insurers will consider the claim of the past in the process of risk assessment. Without the previous insurance, any accident that leads to the claim (e.g. damage to the product’s request) must be insured at a specific place must be detailed.

Source: Literature courses on international aviation insurance in 2010

Customers are waiting for the product liability insurer

Although there are many manufacturers want to buy product liability insurance for their products in order to increase confidence for customers - an effective marketing tool. However, few companies can afford insurance and the courage to offer this product.

Revenue from product liability insurance is still very modest, only about 1% of total revenue, which is the result of DTCK survey at some enterprises which have deployed those products. Across the market, within no adequate statistics, but, a whole array of general liability insurance accounts for only about 2% of the total premium of the market for non-life insurance and compensation percentage is below 10%. There is only one exception of an insurance company on the top that has the percentage of compensation up to 84% in the first quarter of 2014.

Talk about paradoxes for more supply for product liability insurance, represent of a certain insurance company said the non-life insurance product liability is a fairly complex product in terms of the fees and compensation. People in this field specializes this product as “long-tail” product since the inception of customer events can occur long after they buy the product. Meanwhile, insurance companies still have to be responsible; therefore, the risk is very high.

As insurance for products of many large enterprises such as Shell Gas, Big C and Lotte Mart, representative of Vietnamese Insurance said that in recent years, the sense of responsibility to buy product liability insurance were also popular more and variable for the manufacturing enterprise and supply products in countries where there is risk of damage to third parties such as gas processing, pharmaceutical, cosmetics …

However, this representative also confirmed that product liability insurance is popular in developed countries due to mandatory provisions of law, by the consciousness and the demand from major consumer of products and the responsibility for the supplier’s products, but this is a complex type of coverage which may be related to the legal provisions on consumer protection not only in Vietnam but also other countries where the product is consumed. Therefore, this type of coverage should be provided by large insurance companies that have the capacity and experience in the insurance market of Vietnam.

Of course, between theory and reality, there has always been a long road, but in the context that economic still has difficulties, the demand for property insurance, marine … are low, the product liability insurance may be an attractive segment.  Moreover, after the economic crisis, the non-life insurance sector is in the restructuring phase of insurance products, changing direction, instead of just focusing on premium products that generate higher revenues but customers increasingly diminished as difficulties.