Illustrated photo TL Generali Group’s Deputy Chief Financial Officer, Mr. Cristiano Borean, commented: “Generali Group ended the first quarter of 2021 with excellent results, in line with the set targets and affirming the effectiveness of the strategy. Generali 2021′”. “The Group continues to be one of the market’s leading insurers, with a strong financial position. We are in the process of rebalancing our life insurance product portfolio and thus have been able to maintain positive profitability in the context of low interest rates. Generali also continues to achieve the best and most consistent mix ratios in the market, as well as impressive results in asset management and other businesses. The strong growth in operating profit and net profit also shows that the group continues to operate effectively in the context of the macro economy still facing many uncertainties caused by the pandemic.” – Mr. Cristiano Borean shared. Specifically, as of March 31, 2021, Generali’s operating profit reached 1.6 billion euros (up 11%), thanks to the profit growth of non-life insurance, asset management and other business activities. At the same time, the life insurance segment achieved a stable profit compared to the same period last year. Gross premium revenue reached 19.7 billion euros (+4.2%), of which life insurance increased by 5.5% and non-life increased by 1.9%. Net cash flow from life insurance business amounted to €3 billion (up 1%), focused on unit-linked and protection products. The combined ratio hit 88% (down 1.4 percentage points) and the return on new mining revenue also recorded impressive results, leading the market at 4.44% (up 0.4 points). percent). Net profit of up to 802 million euros (compared to 113 million euros in the same period last year) – the first quarter of 2020 was significantly affected by the decline in investment assets and funding costs for the Special International Fund Covid-19. Strong financial position, with a solvency margin of 234%, thanks to an effective capital optimization strategy and positive market situation in the first quarter of 2021.

Journalists of Science and Technology Journalists’ Club visited Viettel High Tech Industry Corporation. Lt. Col. Nguyen Cuong Hoang, Deputy General Director of Viettel High-Tech Industry Corporation, said that VHT operates in three main areas: military technology, telecommunications technology and civil equipment. As the main unit of Viettel in the field of research and development, up to now, VHT has had 276 industrial property registration applications, of which in 2020, 48 core technologies have been completed. product, registered and accepted 66 patent application. The VHT has been granted four new international patents by the US Patent and Trademark Administration (USPTO). In addition, VHT is also granted 19 domestic patents, 5 utility solutions and 7 exclusive design rights, 25 articles are published and presented in prestigious domestic scientific journals and conferences and international. Protection of intellectual property by registering national and international patents is an important basis for VHT to own core technology, ready to integrate into the world, fully competitive. with international corporations, affirming Viettel’s leading position in research and development of “Make in Vietnam” products. In addition, VHT always goes hand in hand with the Government in promoting and developing intellectual property mechanisms. Mr. Phan Thanh Hai, Director of the Appraisal Center, Department of Intellectual Property – Ministry of Science and Technology, said that in the last 5 years, the number of patent applications of Viettel has grown continuously. The fact that Viettel has 4 US patents is of great significance in asserting the technological capacity and the development orientation of market expansion of Vietnamese enterprises.

Deputy General Director of Rang Dong Lightbulb Joint Stock Company Nguyen Doan Ket speaks at the Festival Entering the year 2020, the core content is the Creative Labor movement, converging in the “Rang Dong Creation Festival – Techday” as the foundation for receiving and developing knowledge, is an open space for ideas. Creative ideas are brought to life, bringing value to customers, inspiring and creating a new Rang Dong – high technology and modernity. Following the success of the 2nd Innovation Day, right from the beginning of October 2020, the emulation climax of “3rd Rang Dong Creative Festival” was launched with the spirit of initiative, creativity and speed. to create new breakthroughs and be widely organized in all divisions of the company with higher determination and have obtained encouraging results. As a result, the 3rd Innovation Festival – Rang Dong Techday, which took place from January 15, 2021 to April 24, 2021, has recorded 688 initiatives, of which 373 have been and are being applied. 54%, of which 3 best subjects were selected for the final round. At the 3rd Rang Dong Creative Festival, the company has selected 3 best themes to honor, including: Transforming the number of operations – markets (done by the Marketing and Sales Division). ; Applying lean management and production tools, building SCADA system as a platform for connecting to the ERP system – Implementing the digital transformation process to improve the capacity of glass thermos production (by the poster workshop water – Glass made); Digital transformation improves intrinsic capacity in production – Implementing company digital transformation (done by LED – Electronics and Lighting Factory). Company employees share initiatives honored at the Festival Speaking at the festival, Deputy General Director of Rang Dong Thermos and Thermostats Joint Stock Company Nguyen Doan Ket said: In 2019, the company achieved revenue of VND 4,256 billion, labor productivity reached VND 2.07 billion / person. /year; to complete one year earlier than the 5-year strategic goal (2016 – 2020). Thanks to the early completion of a year, on July 1, 2019, the company decided to establish the implementation of the Company Digital Transformation Strategy for the period 2020 – 2025, with a vision to 2030. Rang Dong’s digital transformation is implemented synchronously on all three aspects: Technology, process and organization – people. In order to implement the proposed strategy, besides the Lighting Research and Development Center which was established in 2011, it is responsible for researching the latest achievements of physical science, materials, biology and renewable energy into new products, innovative products; In November 2020, Rang Dong established a Digital Research and Development Center, with the responsibility to act as the head of receiving, transferring and developing the achievements of digital technology into the production process. business, especially strategic product line development for LED Ecosystem 4.0. In addition, the company established a New Idea Innovation Center and a Venture Capital Fund to serve as a platform for innovative ideas.

Patents for exclusive protection have been issued by the US Patent and Trademark Administration Viettel High Technology Industry Corporation (VHT) has been granted 4 new international patents by the United States Patent and Trademark Administration (USPTO). Information was reported by the leader of Viettel High Technology Industry Corporation on the occasion of Intellectual Property Day April 26. Up to now, the number of industrial property protected continuously increased in the past 2 years, in particular, this unit has just been granted more patents protected exclusively in the US. According to VHT, the first patent is “Method of randomly dividing data in distributed multi-microprocessor systems” – OCS Research Center.This invention has helped Viettel fully own a system. charging in accordance with the specific needs of Vietnamese users; helping the operator proactively develop the billing system business to the international market at a time when only about 3 largest OCS providers provide for all carriers in the world. In 2020, this unit has 2 more patents, “Method of detecting water surface target in noisy environment, application in shore radar station” (Radar Center) and “Patent on supporting structure. force for parallel robot is by spring system with constant force ”. Representative of the Simulation Modeling Center said that the invention of the supporting mechanism for parallel robot with a spring system with constant support is used to support parallel robots in the field of motion simulation, contributing to reduce manufacturing costs, increase the life of the robot while ensuring that the load and workspace criteria are met. Thanks to the power mechanism that reduces the force applied to the robot’s actuators by 50%, it contributes 25% to fabrication costs, 2 times longer robotic lifespan and suitable for systems with working loads. large, limited when choosing actuator. In April 2021, “The method of adjusting and controlling the power of the receiving line in accordance with the transmission environment in the base station system” – The Broadband Radio Equipment Research Center was officially released. Patent patents in the US. The system is set up according to the patented method and is capable of correcting and controlling the receiver’s power. At the same time, the patented method brings optimal efficiency when compatible with each type of transmission medium, overcoming the disadvantages of slow variation with old control, improving the quality of the network in particular and the indicators. Network KPIs in general … Up to now, Viettel High-Tech Industry Corporation has registered a total of 276 industrial property registration applications, of which 27 are international registration applications. The number of applications has increased dramatically since 2016. By 2020, to complete research on 48 core technologies applied to products, have registered and accepted 66 patent applications. According to Mr. Nguyen Cuong Hoang, deputy general director of Viettel High-Tech Industry Corporation, invention is a very long process and Viettel has done it 10 years ago. The number of patents represents the firm’s capacity. The capacity and strength of research units are reflected in intellectual property and granted inventions. Appraisal Center, Intellectual Property Department said, in the last 5 years, the number of patent applications of Viettel increased continuously. The fact that Viettel has 4 patents granted by the US is of great significance in asserting technological capacity and development orientation of market expansion of Vietnamese enterprises. Representative of Viettel High Technology Industry Corporation affirmed that protecting intellectual property by registering national and international inventions is an important basis for the enterprise to be the owner of core technology. is ready to integrate into the world, has full capacity to compete with international corporations. Patents protected by the United States are recognition of inventions, scientific research, thereby affirming that Vietnamese people can stand shoulder to shoulder with large technology corporations … Certificates of intellectual property rights is evidence to ensure the success of every business when entering the world arena.

Mr. Pham Trung Kien – Deputy General Director of HABECO and Assoc. Tran Ngoc Khiem – Vice Rector of Hanoi University of Science and Technology signs a memorandum of understanding Hanoi University of Science and Technology (HCMUT) is a close partner with HABECO for many years. The cooperation with HABECO to cooperate training high quality human resources HABECO in particular and the society in general, as well as cooperation in research and application of technology and modern equipment systems, has helped the University increase its reputation and reputation, helping HABECO always maintain its quality with Many product lines are trusted by domestic and foreign consumers. Since 2016, Hanoi University of Science and Technology and HABECO signed a Memorandum of Understanding, forming a content framework for cooperation programs including: training and developing human resources; co-operate scientific and technical research ; use the lab; advisory Technology transfer ; recruiting human resources for internships; working at HABECO. On the occasion of the 60th anniversary of the establishment of Hanoi University of Science and Technology, HABECO sponsored the “Food Quality Analysis Laboratory” for Food and Biotechnology Institute in order to improve the quality of training and experimental skills of students food Technology (Currently there are about 900 Food Technology students being trained in the Institute), especially in the field of fermented beverage technology for 3, 4 and 5 year students to provide high quality human resources for Food factories including HABECO (where a large team of alumni). This year, on the 65th anniversary of the establishment of Hanoi University of Science and Technology, HABECO continues to sponsor facilities and equipment for teaching, learning and activities of the school, including: upgrading the hall. B1 building and equipped with an upgraded package of analytical equipment “food quality analysis laboratory” under the Institute of Biotechnology and Food. HABECO donated 2,165 billion VND to Hanoi University of Technology to train human resources Mr. Pham Trung Kien, Deputy General Director of HABECO, said that there are more than 100 technical staff of HABECO are alumni of Hanoi University of Technology. Hanoi University of Science and Technology is the region’s leading research university in engineering and technology. The cooperation between the two units this time further tightens the spirit of cooperation between Hanoi University of Science and Technology and HABECO, contributing to the development of education for future generations of the country. At the same time, contributing to spreading HABECO’s brand name, attracting high-quality human resources for HABECO. In the framework of the signing ceremony, Professors, Associate Professors and Doctors of Hanoi University of Technology have proposed cooperation plans to apply artificial intelligence in production and business of HABECO as well as technology transfer and training high quality human resources.

Recently, patient Phan Huu Nghiem (36 years old, living in Vung Liem district, Vinh Long) was discharged from the hospital after 11 years of treatment at Cho Ray Hospital (Ho Chi Minh City) and was covered by the health insurance fund (HI). up to 38.3 billion.

Vietnam Social Insurance Agency (Social Insurance) believes that this is not an uncommon case, because many patients have been covered by the health insurance fund with such a “huge” amount over the past time.

Mr. Phan Huu Nghiem, who had hemophilia, was paid more than 38 billion VND by health insurance for 11 years of treatment, he said goodbye to the doctor to leave the hospital to go home. Photo: HOANG LAN

Tight escape thanks to health insurance

According to the results recorded from the health insurance assessment information system (Vietnam Social Insurance Agency), recently many cases of unfortunate accidents and illness have overcome a difficult period thanks to the health insurance fund to pay for the medical examination and cure.

For example, the patient has the HC49191120XXXXX card code (address at Hon Tre hamlet, Tien Hai commune, Ha Tien city, Kien Giang), who is paid by the employee and the employer.

This patient was treated twice at Cho Ray Hospital (HCMC). Phase 1, 3-month treatment with a total cost of 7.95 billion VND. In which, the biggest expense is the drug expense of 7.80 billion dong, the test fee is 22.91 million dong … The amount proposed to the health insurance fund to pay is 6.36 billion dong.

Phase 2, this patient treated for 10 days, the total cost of treatment is 3.07 billion. In particular, drug costs are up to 3.06 billion … The amount proposed to the health insurance fund to pay is 3.07 billion.

Another case is a patient with card number BT28383222XXXXX (living in An Binh Tay commune, Ba Tri district, Ben Tre), who is paid by the state budget.

This patient also treated two times at Cho Ray Hospital, total treatment cost and proposed payment fund is 5.68 billion. In particular, drug costs were 5.63 billion VND, blood money was 13.4 million VND …

And patients with card number BT28686216XXXXX (living in Trung Trach hamlet, Trung Thanh commune, Vung Liem district, Vinh Long), are subject to the state budget.

This patient has four rounds of treatment at Cho Ray Hospital, the total amount that the health insurance has to pay is more than 8 billion.

88

million people are participating in health insurance nationwide, accounting for 90.85% of the population. In 2020, social insurance has paid health insurance costs for over 167.2 million inpatients and outpatients, an increase of 28.4% compared to 2015.

Do not worry about breaking the fund in the near future

Talking to the reporter, Mr. Pham Luong Son, Deputy General Director of Vietnam Social Insurance, said that the patient’s medical expenses are covered by the health insurance fund up to hundreds of millions of VND, even billions of VND / batch. Value shows that social health insurance is a humane policy, far different from commercial health insurance. This means that employees only pay the percentage of salary (4.5%), but the benefit rate is not limited.

Of course, the patient’s benefit rate also depends on each group of subjects recorded on the health insurance card (with the rate of 80% -100%) and according to the list of drugs, medical supplies … paid by the fund.

Patients with high treatment costs often suffer from blood diseases, cancer … with long treatment periods and have to use expensive drugs.

“This is the interests of the participant and the insurance industry must ensure that right for them …” – Mr. Son affirmed.

Some readers are concerned that in 2019, the price of medical services will increase by 2% -10%, the awareness of health care of the people will be improved, so they go to more medical examination, whether the health insurance fund will be balanced. annual spending?

There is no limit to the insured’s right to search

Mr. Nguyen Trung Quy, Deputy Head of Health Insurance Policy Implementation Department, said that when people come to the medical facility to present all the procedures, the medical facility is responsible for receiving and doing the initial procedures. and organize examination for patients.

On the basis of documents established by the medical examination and treatment facility, the insurance industry will make full payment for the patient. “There are no regulations that limit the people’s right to medical examination and treatment with health insurance. And the responsibility of the insurance industry will determine which case is profitable, which case is not … “- Mr. Quy said.

Answering this question, Mr. Pham Luong Son said that the fund balance problem is always very difficult, painful and challenging not only for Vietnam but also in many countries around the world.

However, Vietnam is somewhat fortunate when the revised Law on Health Insurance 2014 adjusted target groups and introduced incentives to increase the number of people participating. Therefore, up to now, over 90% of the Vietnamese population participate in health insurance.

Besides, in the past, the health insurance fund also had a balance, so in the medium term, the balance fund could be collected and spent.

“However, the annual revenues and expenditures are imbalanced, spending more than revenues. So each year we have to build an estimate, thereby compensating a very large part of the cost, about 10,000-20,000 billion from the residual reserve of the fund to be able to spend … ”- Mr. Son said.

To solve the above problem in the long term, the deputy general director of Vietnam Social Insurance thinks that it is necessary to adjust the health insurance premium. Because at present, people contribute to the fund an average of 30-50 USD / person, while the benefit rate is up to 100-200 USD / person.

“So the proposal to increase the contribution to the health insurance fund has recently received a high consensus from the National Assembly, the Government, and ministries. However, the time, object, how we will calculate accordingly. For example, we increase only for the object that is closing low; for near-poor households, voluntary insurance participants increase moderately to maintain the sustainability of the participants ”- Mr. Pham Luong Son said.