<h2>Announcement</h2>
<p>Please read the Terms and Conditions below carefully. By accessing the website <a href="https://fubonins.com.vn/">https://fubonins.com.vn</a> including any website at this domain name ("Website"), you agree to the following terms and conditions of the Company Limited. Fubon Insurance Vietnam. Please do not access the website if you do not agree with these terms and conditions.</p>
<h3>Information collected</h3>
<ul>
<li>The Company collects information directly from customers and various sources through transparent and legal ways.</li>
<li>The information the Company collects about the customer based on its relationship with the customer includes name, gender, date of birth, occupation, identity-related information (for example, identity card information, identity card, passport or other photo identification document, social insurance number), contact information, information on how to use the Company's products and services, information about interests, customer demographics and interests, and other information the customer has provided to the Company.</li>
<li>We only collect information that is requested by, or is relevant to, the provision of products and services for business purposes and to better understand our customers' needs.</li>
<li>For online customers, the Company may collect information such as IP address, type of operating system the customer is using, when and where the customer accesses the website, the location of Internet access, and the items customers have visited within the Company's site for tracking usage, improving the site and more, possibly improving the customer experience.</li>
</ul>
<h3>Using of personal information</h3>
<ul>
<li>The Company only uses or discloses the customer's personal information for collection, for other purposes agreed by the customer, or in the cases prescribed by law. This may include sharing personal information with agents, representatives, or the Company's service providers. In some cases, as required by law, customers' personal information may be provided to individuals, organizations, service providers, and employees of Fubon in jurisdictions different from where the data was collected and are subject to the laws of that area. The Company will not share customers' personal information with any organization outside our group of companies for marketing products or services without the customer's consent.</li>
<li>In some cases, within the law, we will share customer information within the group of Fubon companies to provide customers with preferential information about product promotions and other services. Customers have the right to refuse to receive the above promotional details. The Company may need to analyze customer information to understand better customer needs and the types of products, services, and promotions in which customers may be interested.</li>
<li>The Company will keep customers' personal information until they are no longer needed to meet the purposes for which it was collected or as required by law.</li>
<li>The Company focuses on ensuring that the customer's information records are always accurate and constantly updated, which is necessary to use the information.</li>
</ul>
<h3>Protection method</h3>
<ul>
<li>The Company will protect customers' personal information with security protection methods appropriate to the importance of the information, preventing unauthorized access, disclosure, modification, or use of information permission.</li>
<li>The Company is responsible for personal information, including information transmitted to service providers currently performing tasks on our behalf. When sharing personal information with service providers, it is their responsibility to protect it by taking measures consistent with the Company's privacy policy and practices.</li>
</ul>
<h3>Privacy statement</h3>
<ul>
<li>The Company is committed to managing personal information under careful control. The Company has staff responsible for monitoring compliance with the Company's Privacy Principles.</li>
<li>The Company will ensure that information about the Company's privacy policy and personal information management practices is easily accessible to customers.</li>
<li>Based on the customer's written request, the Company will provide the customer with reasonable access to the customer's personal information and a description of the use or disclosure of the information, as requested or as required by law. The customer may also verify the accuracy and completeness of the information and request that it be modified or deleted as appropriate or permitted by law.</li>
</ul>

Information security

<h2>Announcement</h2>
<p>Please read the Terms and Conditions below carefully. By accessing the&nbsp;<a href="https://www.fubonins.com.vn/">https://fubonins.com.vn</a> website, including any web pages at this domain name (the "Website"), you agree to be bound by the terms and conditions below, etc.</p>
<h3>Ownership</h3>
<p>This Website is the property of&nbsp;<a href="www.fubonins.com.vn">Fubon Vietnam Insurance Company Limited</a>, a member of Fubon Financial Group, Taiwan (from now on referred to as "Fubon Vietnam or Fubon Insurance (Vietnam)").</p>
<h3>Copyright belongs to Fubon Vietnam. All rights reserved.</h3>
<p>Unless otherwise regulations, copyright to this Website, its displays, the information and documents contained therein, and the arrangement of such information and documents ("documents") is reserved and owned by Fubon Vietnam. You may download a copy of the document; If needed for reference purposes, you may keep a temporary copy on your computer and print a paper copy. You may also use the document in other ways as permitted by this <a href="https://www.fubonins.com.vn/">https://fubonins.com.vn</a>. However, unauthorized use of this material may violate the provisions of copyright law, and in this case, you will bear all related responsibilities.</p>
<h3>Using documents</h3>
<p>The documents, terms, conditions, and descriptions shown on this Website are subject to change at any time without notice from Fubon Vietnam. Unauthorized use of Fubon Vietnam websites and systems, including unauthorized access to the system, misuse of passwords, or misuse of any information and materials posted on the Website, is strictly prohibited. In case of unauthorized use of the Website and system of Fubon Vietnam. Fubon Vietnam may restrict and/or terminate your access to the Website at any time without prior notice. Not all products and services are available in every geographic area. You may use specific services or products depending on the regulations of Fubon Vietnam and/or its affiliates.</p>
<h3>Links</h3>
<p>This Website may contain links to websites managed or provided by third parties (not affiliated companies of Fubon Vietnam). Fubon Vietnam is not responsible for any information, materials, products, or services posted or made available at any third-party websites linked to this Website. For links to third-party websites, Fubon Vietnam does not recommend any products and services offered or any information or documents. Fubon Vietnam is also not responsible for any defects in products or services provided or advertised from such websites. In addition, such third parties may have different privacy policies from Fubon Vietnam, and the third-party websites may have a lower security profile than this Website.&nbsp;</p>
<h3>No guarantee</h3>
<p>Documents on this Website, including text, images, links, or other items, are provided as is or as provided. Fubon Vietnam does not guarantee the documents' accuracy, suitability, and completeness to the extent permitted by law and disclaims responsibility for errors or omissions in the materials. Except for warranties that cannot be excluded by law, no standard warranties are given concerning this Website and the document, whether implied, express, or statutory, warranties, including warranties that do not infringe the rights, proprietary rights of third parties, or ensure that the computer is free from viruses.</p>
<h3>Limitation of responsibility</h3>
<p>To the extent permitted by law, in no event will Fubon Vietnam be responsible for any damage or loss, including but not limited to direct or indirect damages, losses, or expenses, &nbsp;indirectly, specifically, incidentally, or consequentially in connection with this Website or any linked websites, or from any party's use or inability to use the Website this or any related website, or in connection with any failure, error, omission, interruption, error, delay in operation or data transmission, computer virus or system or transmission failure, even if Fubon Vietnam, or its representative, has been advised of the possibility of such damage, loss or expense.</p>
<h3>Provide information</h3>
<p>All information provided to Fubon Vietnam through this Website shall be deemed and retained as the property of Fubon Vietnam. Fubon Vietnam is free to use, for any purpose, any ideas, concepts, know-how, or techniques contained in the information provided to Fubon Vietnam by a person logging on to the Website via the Website. Fubon Vietnam will not assume any obligation for the confidentiality of the information provided unless otherwise approved by Fubon Vietnam through a direct customer relationship or otherwise approved or regulated by law.</p>
<h3>Use</h3>
<p>This Website is not intended for distribution to, or use by, any person or entity in any territory or country where such distribution or use would be contrary to local law.</p>
<h3>Additional Terms</h3>
<p>Certain sections or pages of this Website may have their terms and conditions, which are in addition to these terms and conditions. Those terms and conditions shall apply to the conflicting sections or pages.<br>Governing Law</p>
<p>These terms and conditions are governed by and construed following the laws of the Socialist Republic of Vietnam. By complying with these Terms and Conditions, you are unconditionally governed by the non-exclusive jurisdiction of the courts of Vietnam."</p>

Terms of use

<h2>1. Understanding Insurance</h2>
<p>Life insurance is an insurance product with clear benefits and terms to protect people against health, body, and life risks, as well as personal and Property insurance. Participants pay the fee only once. The Insurance Company will commit and be responsible for paying and indemnifying the policyholder if there are risks that cause material loss, bodily harm, or human accident. If the insured object does not face any risks, the insured will not receive back the paid amount after the end of the contract.</p>
<h2>2. Basic characteristics of insurance</h2>
<h4>Benefits of insurance participants:</h4>
<ul>
<li>The scope of compensation of insurance is the losses and consequences caused by risks within the limit in the contract. The interests of the insured are always associated with specific risks. These risks have clear boundaries outlined in every insurance policy.</li>
<li>In addition to the above benefits, the policyholder does not enjoy interest and does not receive back the premium paid even if no risks occur during the insurance period. In other words, insurance products of this type of insurance do not have the element of profitable investment and do not have a return value.</li>
</ul>
<h4>Term of insurance:</h4>
<p>Non-life insurance is insurance for objects independent of the human lifespan. Therefore, the term of these insurance policies is usually short, from 1 to several years. However, participants can generally renew each time the contract expires quickly, without going through the whole process again, like when signing a new agreement.</p>
<h2>3. Insurance premium payment</h2>
<p>Because of the short term, the premium is usually paid once when signing the contract. However, with multi-year policies, participants can pay a recurring fee every half year or every year, depending on the agreement in the insurance policy.<br>Factors that affect the premium of insurance include:</p>
<ul>
<li>High or low probability of the risk occurring</li>
<li>Basic or advanced insurance</li>
<li>The amount of compensation is less or more</li>
</ul>
<h4>Types of insurance today</h4>
<p>In Clause 2, Article 7 of the Law on Insurance Business, types of insurance are specified, including:</p>
<ul>
<li>Health insurance and personal accident insurance;</li>
</ul>
<p>This is an example of insurance that takes people as the object of protection. Specifically, health insurance includes health care insurance, accident insurance, medical insurance, etc.<br>These insurances will help pay for medical expenses when the insured person needs treatment because of an illness or accident. These types of insurance can also provide other valuable benefits if the insured suffers a critical illness, injury, or death.</p>
<ul>
<li>Property insurance and damage insurance;</li>
<li>Insurance of goods transported by road, sea, river, railway, and air;</li>
<li>Travel Insurance</li>
<li>Technical insurance</li>
</ul>
<p>And many other non-life insurance products.</p>
<h2>4. Principle of claims, coverage of insurance</h2>
<p>The coverage of insurance covers people, Property, and civil liability. Insurance business: Health insurance, personal accident insurance; Property insurance and damage insurance; Insurance of goods transported by road, waterway, railway, and air; Aviation insurance; Motor vehicle insurance; Fire insurance; Insurance of the hull and civil liability of the shipowner; General liability insurance; Credit card insurance and financial risks; Business loss insurance; Agricultural insurance. Beneficiaries for non-life insurance policies are direct or indirect victims of risks. The amount of money is usually according to the norm when death pays little. People, resources, Property, and civil liability Human: Hospital Outpatient examination according to the bill, according to the standard of Death hospital fee guarantee (usually paying less than life insurance).</p>
<h2>5. Meaning of Insurance</h2>
<p>In addition to its characteristic feature of protecting against life's risks, life insurance is also a cumulative financial plan, a long-term savings channel and an investment channel interest-bearing investment.</p>
<p>Insurance is defined as follows: When a participant pays a premium, if there is a risk to people or Property, he will be compensated according to the contract's terms, and if there is no risk. Then the premium will be forfeited because this form of insurance has no cumulative value.</p>

Legal policy

<h2>Claim policy</h2>
<p>Fubon Insurance (Vietnam) Co., Ltd. applies the policy of compensation for insurance based on the legal regulations on insurance, including:</p>
<ul>
<li>Law on insurance business in 2000</li>
<li>Consolidated document 06/VBHN-VPQH in 2019 consolidating the Law on insurance business issued by the Office of the National Assembly</li>
</ul>
<h2>1. What is an insurance claim?</h2>
<p>Indemnification can be understood as an act in which insurance businesses are obligated to pay sums of money to compensate for unexpected losses, incidents, and risks with which participants sign contracts. The insurance contract has agreed with the insurance business party on this indemnity issue.</p>
<h2>2. Claim principles</h2>
<p>Based on the insurance mentioned above legal regulations, there are principles on indemnity insurance as follows:</p>
<p><strong>a. The principle of indemnity in property insurance is usually determined by three factors which are:</strong></p>
<ul>
<li>When damage occurs, compensation must be settled at the property's current market value, not exceeding the sum insured.</li>
<li>The property's market value at the time and place where the event leading to the loss occurs and the actual extent of the damage is the basis for determining compensation in the property insurance relationship.</li>
<li>The purpose of regulations on compensation principles is to create a basis for determining compensation. This is also an essential basis for avoiding insurance fraud.</li>
</ul>
<p>There are indemnification forms of the principle of indemnity in property insurance, which are the insurance business enterprises repairing damaged property or replacing the damaged property with another comparable property or making compensation payments, so buy insurance with a value not higher than the value of the damaged property. In addition, the principle of property compensation is only sometimes implemented smoothly and following the Law, but in case the two parties cannot agree on the form of compensation. Then this compensation will be provided by the applicable Law to be done in cash.</p>
<p>In addition, to ensure the interests of both the insurance buyer and the insurance seller in the compensation liability, in the case of compensation in the form of replacing the damaged property with another property or paying, the insurance company has the right to recover the damaged property or to make total compensation based on the fair market value of the property. The primary purpose is to assign responsibility and encourage policyholders to preserve better and protect their assets.</p>
<p><strong>b. Principles of compensation in civil liability insurance contracts</strong><br>Based on current law provisions for civil liability insurance contracts, the insurance company's compensation activities will proceed on the principle of indemnification, which is the payment of insurance money to the insured through the method specified in the contract that the parties to the insurance contract have agreed before. For compensation in a civil liability insurance contract, this compensation amount includes expenses such as contract costs, plaintiff's legal charges, etc., relating to civil liability for damage or loss caused to third parties and their property.</p>
<p>From the principles of indemnity in the insurance mentioned above, these indemnification principles all carry specific important meanings and correspond to each type of insurance contract, as the nature of the principle of compensation is different.</p>
<p>This policy is effective from the date of its official publication.</p>

Policy and support