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.

VssID application can replace health insurance cards, social insurance books Vietnam Social Insurance has actively brought utilities, payment information, benefits to social insurance and health insurance (HI), towards integration, provision of public services, online payment services. application on mobile devices. This is a step in line with the current trend of digital transformation, building a digital government and a digital nation. It is known that Vietnam Social Insurance is an agency for 4 consecutive years, from 2017 to 2020, holding the 2nd position in the application of Information Technology (IT) in Government agencies (According to the ICT Index compiled by the Ministry of Finance). Ministry of Information and Communications annual assessment report). The deployment of VssID – Digital Social Insurance application on the smartphone system is considered one of the key tasks to bring more convenience to people and businesses when they register to use it. VssID application was developed rapidly and has been widely promoted for everyone to install on smartphones. From June 1, 2021, health insurance participants can use photos on VssID for medical examination and treatment. Mr. HHH, an IT expert of a securities company, was one of those who installed the VssID application. “During this transition period, I find it acceptable, the best thing is that my health insurance card is damaged and I don’t have to apply for a new one. I updated the 2 kids in less than 10 minutes to activate. But not everyone has such an easy experience. Mr. D.TT (Hanoi) shared: “Because the application allows to register a phone number without OTP authentication, when I registered, it turned out that my phone number was registered by a person in Ha Tinh. Had to call a few times there to change it back, it took a few days. The call center has run out of words. Called dozens of times, no one picked up the phone. And Ms. D.T (HCMC) said: “It took me nearly a dozen times to register, fortunately I didn’t have to call the switchboard.” “In response to the social insurance campaign, I installed VssID last month. In general, the interface of the VssID app is also quite normal, if not bad,” commented Anh VHA (Hanoi). “I just tried to check on June 1, I found it incredibly boring, far behind the online sales apps. But more importantly, when viewing information, it is extremely slow due to having to download data” – Ms. NTTH (HCMC) shared a screenshot showing that it takes 3 to 5 minutes to log in to the system. But according to those who have tried installing the app, the worst experience is in the customer support. Call center 1900.9068 called dozens of times, no one picked up the phone, emailed no response, and the chatbot was ineffective. Customers when using a product or service that have problems, they will be very disappointed and angry when there is no support. While social insurance provides 3 support channels, none of them work effectively. This is an issue to be aware of in the provision of public services. When looking up information about the insurance premium period, some people find that the application does not fully show their insurance period. “Last month, when I looked up my social insurance payment information, I only looked up the latest 3 months’ social insurance payment information. This month, the VssID app is updated, the information is more complete, showing 19 years of premium payment, but still missing my 4-year period. It can be said that the database of social insurance is problematic, not really synchronized. The IT infrastructure of Vietnam Social Security seems to be still not commensurate with the tasks and responsibilities,” said one user. In addition, the problem that many people wonder about is the possibility of personal data leakage. Mr. MT, an IT expert of IBM commented: “VssID is very convenient to have the name and year of birth to find out the social insurance number and some other information. But if not clever, hackers can steal the entire database.” As a Digital Transformation expert and monitoring the “Vietnam ICT Index Readiness for Application and Development” (Vietnam ICT Index), I realize that besides the commendable efforts, digital transformation of Social Security There are still many problems to fix. In the effort to build e-Government in ministries and branches, one of the important goals is to bring 100% of public services to the online environment, to smart mobile devices. I think, ministries and sectors should pay attention to service quality instead of following 100% quantity. Hopefully, Social Security will quickly overcome the disadvantages of the VssID application as well as carefully review its industry’s Digital Transformation plan to better serve the legitimate needs of the insured.

Ransomware is a type of malware that encrypts the victim’s data. Cybercriminals using ransomware also often steal data. The hackers then demanded a payment to unlock the files and promised not to leak the stolen data. In recent years, hackers have targeted victims with cyber insurance policies, and large volumes of sensitive consumer data make them more likely to pay ransoms, according to cybersecurity experts. According to the unnamed source, CNA paid the hackers about two weeks after a bunch of company data was stolen and CNA officials were locked out of its own network. CNA does not comment on the ransom, with a CNA spokesperson saying CNA followed all laws, regulations and guidelines, including OFAC’s 2020 ransomware guide, in handling the matter. CAN also shares attack intelligence and hackers’ identities with the FBI and the Treasury Department’s Office of Foreign Assets Control because facilitating ransom payments to hackers can cause punishment risk. The largest ransom amount Ransomware attacks – and payments in particular – are rarely disclosed so it’s difficult to know what the largest ransom is. The $40 million payout is larger than any previously disclosed payments to hackers. The hackers attacking CNA used malware called Phoenix Locker, a variant of ransomware called ‘Hades.’ According to cybersecurity experts, Hades was created by a Russian cybercrime organization called Evil Corp. Evil Corp. was sanctioned by the United States in 2019. However, identifying attacks can be difficult because hacking groups can share code or sell malware to each other. CNA, which provides cyber insurance, said its investigation concluded that the Phoenix hacker group was not on the US sanctions list. The disclosure of the payment is likely to draw outrage from lawmakers and regulators who are unhappy that US companies are paying large sums of money to criminal hackers who over the past year have targeted hospitals, drug manufacturers, police forces and other entities critical to public safety. The FBI discourages organizations from paying ransoms because it encourages additional attacks and does not guarantee data will be returned. Last year was a standout year for ransomware groups, with a task force made up of security experts and law enforcement agencies estimating that victims paid around $350 million in ransom last year, up 311% compared to 2019. The Task Force suggested 48 actions the Biden administration and the private sector could take to mitigate such attacks, including better regulation of money markets. digital currency used to make ransom payments. The report, prepared by the Institute for Security and Technology, was delivered to the White House days before the Colonial Pipeline Company was compromised in a ransomware attack that resulted in fuel shortages and long lines at stores. gas stations along the US East Coast Bloomberg reported that Colonial paid hackers nearly $5 million shortly after the attack. Colonial CEO Joseph Blount, in an interview with the Wall Street Journal published Wednesday, confirmed that the company paid the hackers – $4.4 million in ransom. According to two people familiar with the CNA attack, the company initially ignored the hacker’s request and attempted to recover the data without negotiating with the criminals. But within a week, the company decided to start negotiating with the hackers, who were demanding $60 million. Residents said the payment was made a week later. According to Barry Hensley, chief intelligence officer at cybersecurity firm Secureworks Corp. then the Phoenix Locker seems to be a variation of Hades based on the overlap of the code used in each. He said they have not yet identified which hackers used the Hades variant to attack CNA. Cybersecurity firm CrowdStrike Holdings Inc believes Hades was created by Evil Corp. to bypass US sanctions against the hacking group. In December 2019, the Treasury Department announced sanctions against 17 individuals and six entities associated with Evil Corp. At the time, the Treasury Department said Evil Corp used malware “to infect computers and collect login information from hundreds of banks and financial institutions in more than 40 countries, causing more than 100 million dollars of theft. “It is illegal for any U.S. company to knowingly pay a ransom to Evil Corp. According to Melissa Hathaway, President of Hathaway Global Strategies and a former cybersecurity adviser to Presidents George W. Bush and Barack Obama, demand for ransomware has grown exponentially over the past six months. Hathaway said the average hacker’s ransom demand is between $50 million and $70 million. Those claims are often negotiable, and companies often pay ransoms in the tens of millions of dollars, in part because cyber insurance policies cover some or all of the costs. Hathaway estimates that the average payout is between $10 and $15 million. Ngoc Linh – According to Insurance Journal

The installation of VssID – digital social insurance application helps employees closely monitor the process of paying – enjoying policies. The authorities have requested the Board of Directors of Hung Hau Agriculture Joint Stock Company to overcome the debt payment for social insurance, health insurance and unemployment insurance. By May 20, Hung Hau Agriculture Joint Stock Company had fully paid more than 2 billion VND of social insurance, health insurance and unemployment insurance debts for employees. From this incident, the Vietnam Social Security urged people and employees to actively install the VssID application to be able to monitor and supervise the process of participating and benefiting from the policy. In order to improve the efficiency of serving people and employees, Vietnam Social Security has just released an upgraded version of VssID application version 1.5.3 on the AppStore and Google Play app stores. The upgraded version allows users to register for electronic transactions with the social insurance agency on the VssID application and through the Public Service Portal (previously only through the Public Service Portal); integrate additional features to support lookup, scan QR codes of social insurance cards, citizen identification cards to automatically fill in the necessary information, instead of manually entering in the account registration information. In addition, the VssID version 1.5.3 application also adds the option to send the declaration Email, the “Invite VssID installation” utility, making it more convenient for users to register to use the account and invite you Friends and relatives use the application together. In particular, the new version of VssID application has added the online public service “Re-issuance of social insurance books without changing information” for individuals, bringing the total number of online public services provided on this application up. 4 services. Previously, 3 public services provided on VssID application were re-issuance of health insurance cards due to damage or loss; relocate to enjoy pensions and social insurance benefits; change the form of receipt or information of beneficiaries of social insurance. With obvious utilities, after 6 months of being put into use (from the end of November 2020 until now), the VssID – digital social insurance application has attracted more than 6.44 million downloads, installations, and registrations. Thereby, more than 5.6 million valid applications were approved, reaching 22.18% of the assigned target in 2021.

Some people in the group filing the denunciation said more than 600 applications have been sent to the authorities from April 19 to the present. Investors practiced more than 400 denunciations to send to the Ho Chi Minh City Police on the afternoon of April 23. Photo: TA According to the accusers, Coolcat introduced as the company providing investment transaction insurance platform. Coolcat has an exchange that specializes in trading gold, USD, Bitcoin, short-term price prediction trading. The participants in the system only need to download the Coolcat software to their mobile phones and log in with their phone number to start investing. The job of each investor is to press to predict the price of Bitcoin, gold, and foreign currency up or down. If their guess is correct, they receive 73% of the winnings. If they are wrong, their capital will be deducted. But when losing 6 times in a row, the investor must stop and report to the system for 100% compensation. The insurance reimbursement is committed automatically by Coolcat within the same day. In addition to predicting the price of Bitcoin, gold, and foreign currencies up or down to earn interest or receive insurance money. Investors also make money by introducing new members, commissions up to 1.8 million VND each time. The Coolcat Company’s website advertises that they have a British holding corporation and is licensed by the Bahamas Securities Commission. This company also introduced a representative office located on Nguyen Huu Canh Street, Binh Thanh District. Coolcat Company has held many events at 5-star hotels to increase trust with investors. Photo: Website Coolcat. This website also introduces them as the only company that insures 100% of trading capital in Vietnam, so “absolutely safe, not afraid of losses”. Coolcat has 2 main websites: https://www.coolcat.com.vn and https://coolcatvietnam.com. Currently both websites are inaccessible. According to those who have played Coolcat, Coolcat has organized many events at 5-star hotels and invited investors to attend to increase confidence. On the night of April 17, all the applications related to the Coolcat system suddenly crashed. The websites related to this company cannot be accessed. The entire amount of money the investors submitted to the application are paralyzed, not withdrawn. One investor said that by the time the Coolcat application “collapsed”, there were more than 68,000 members. Many of them have billions of dong frozen in the application. Investors then went to Coolcat headquarters in Binh Thanh district to work with the representative, and found that this was just a virtual location, without any representative offices or people in charge.

Recently, many people participating in social insurance and health insurance (health insurance) have installed and used the VssID application to check and monitor their participation in social insurance and health insurance. PLO Also, some readers have received questions about how to install and use the VssID application on smartphones. User is installing VssID application. Photo: HUUYNH TRUONG GIANG How to install the VssID application According to the Ho Chi Minh City Social Insurance Agency, before installing the application, the insured needs to prepare information to declare such as ID card or CCCD, social insurance number or health insurance card code (the last 10 digits on the health insurance card). Then download the VssID application to your phone. For Android operating system: Go to Google Play icon / Play Store. For iOS: AndApp Store icon. Type in the search box for the keyword “VssID” and select Search. There are four steps to signing up for an account. The user enters the VssID icon on the mobile phone screen and performs the following steps: Step 1: Click “Register Now” and select “Continue” to display the registration screen. Step 2: Select the object for registration “Personal” and then click “Next”. Step 3: Declare the information of transaction registration with the social insurance agency electronically on the Declaration form. It should be noted, users must write the correct phone number to confirm registration information and OTP code. Users should choose the nearest social insurance agency to submit electronic transaction registration documents. Then click “Record” to complete the registration. Step 4: Bring your ID card / CCCD card to the nearest social insurance agency for personal electronic transaction account approval. The system will send SMS (account, password) to the registered phone number. User can change password after first login. How to use the VssID application To use the VssID di5ng application, users do two steps: Step 1 : Enter the account (social insurance code) and password (previously sent to the registered phone number) into the corresponding boxes to log into the application. Step 2 : After logging into the VssID application, users enter the Personal management function to display the user’s information such as: social insurance number, full name, date of birth, ID / CCCD / Passport, phone number phone calls, health insurance card functions, insurance participation process, information on entitlement to social insurance benefits, …

Launched at the same time with “FWD 3 Protection” is the program “FWD 3PLANK challenge” to raise awareness of cancer, stroke and heart attack with the participation of many famous artists. In particular, “FWD 3 Protection” expands the participation age to 60 years old and customers can receive protection up to 80 years old, this is the age where the risk of serious illness is high and the customer needs protected. Ms. Nguyen Phuong Anh – Deputy General Director of strategic projects and brand development of FWD Vietnam – said: “Customer health and peace of mind are always FWD’s top priorities. That is why we constantly develop products that are simple, easy to understand, with optimal protection benefits. With a reasonable fee, I believe the product “FWD 3 Protector” is a necessary protection solution, suitable for many types of customers “. “FWD 3 Protection” offers three options of insurance benefits of VND 200 million, VND 300 million and VND 500 million, with fees starting from around VND 200,000 per year. By simply answering 3 health questions, with simple and completely online registration, customers can be protected against three cancers, stroke and heart attack. This continues to be a breakthrough insurance solution that helps FWD change people’s perception of insurance.

To help customers realize their dream of owning a Vios 2021, Toyota Finance Vietnam (TFSVN) introduces an attractive financial support package “Balloon”. With this loan package, customers have the opportunity to own Vios 2021 with only the initial payment amount from 95 million VND and the average monthly payment of only 5.2 million VND / month. New version Vios was launched at the end of February 2021 towards a youthful design and upgraded many safety features and amenities. Vios 2021 still inherits the available advantages such as the most spacious space in the segment, flat floor, rear seats with armrests, 3-point seat belt for the middle seat, outstanding safety system with 7 bags. The first and only gas segment. In addition, Vios users are supported by high-quality after-sales service at 72 agents and branches spread across 35 provinces and cities nationwide.

Toyota Vios 2021. Customers using Toyota insurance will be repaired and replaced with genuine parts at Toyota dealers nationwide. This service is provided by 4 reputable insurance companies in Vietnam to help customers feel secure during use. Along with the attractive financial loan package, this incentive contributes to bringing more benefits to customers when owning a Vios 2021 car. To help customers realize their dream of owning a Vios 2021, Toyota Finance Vietnam continues to support the financial support package “Balloon”, which is a financial product with Toyota brand name. With this loan package, customers have the opportunity to own a Vios 2021 car with the initial payment amount from only 95 million VND and the average monthly payment from only 5.2 million VND / month with a quick procedure, convenient as well as free of all service fees. New Vios version was launched at the end of February 2021 towards a youthful design, upgrading many amenities and safety features. Vios 2021 still inherits the available advantages such as the most spacious space in the segment, flat rear floor, rear seats with armrests, 5-star ASEAN NCAP safety system with 7 airbags and seat belts. 3 points for all positions. In addition, Vios users are supported by high-quality after-sales service at 72 agents and branches spread across 35 provinces and cities nationwide. Since its first appearance in 2003, Vios has been regularly the best-selling model and holds a record in the Vietnamese market with accumulated sales of more than 180,000 units. After its launch, with a price of only 478 million dong, adding a sports version for the first time in Vietnam, the Vios 2021 was quickly welcomed by customers with nearly 2,000 vehicles in March. With incentives for genuine Toyota 1-year material insurance package (Gold Insurance) to bring peace of mind to customers, Vios 2021 promises to continue to grow in the following months.

In recent days, many investors are confused because the Coolcat application (exchange of gold, virtual currency and USD and is committed to 100% capital insurance) suddenly cannot access and can not contact the exchange. . Many investors have come to the authorities to file a denunciation about the appropriation of property. Specifically, when accepting investment on the Coolcat app, investors will be given a code (ID), their job is just to predict the price of Bitcoin (digital money), gold price up or down. If the guess wins, you receive 73% of the winnings. If you lose 6 times in a row, you must stop and report to get 100% compensation insurance. Coolcat offers 6 premium packages for a fee from 54 USD to 9,146 USD (1.26 – 210 million VND). For example, when buying an insurance package with a fee of 210 million VND, investors will receive interest from 3.3 to 9.7 million VND per day. But now, hundreds of people investing in the Coolcat application are sitting on the fire when suddenly the application is no longer accessible. Grow another floor right away However, after information about the Coolcat app with a commitment to 100% capital “collapsed” spread on social networks, Facebook ST Crypto was immediately established and downloaded the step-by-step instruction clips to register for insurance. capital on FORTREX. According to the Facebook owner named NHD – claiming to be an expert in marketing and financial investment, joining the Fortrex exchange is easy. After only 4 steps, including: fill in basic information such as name, phone number, email … and then transfer the amount you want to insure to the insurance support team; Take a screenshot to confirm the successful transfer with a message with the content (username + phone number + insurance package you want to subscribe) to complete the registration procedure. The rest, investors just have to wait until the selected time frame (12 noon or 19 pm daily) to execute buy or sell orders as directed by the insurance support team. According to the Facebook owner named D, investors only need to spend 10-15 minutes in the time frame to register for insurance and follow the instructions, it will easily make a profit of 1-2% / investment amount. in each session and from 26-35% / month. That means if you spend $ 5,000, equivalent to about 120 million, each month you will also get “the most poor” about 30 million. In case the group gives false signals causing the investor to burn out their account, they will be compensated 100% of the capital. To increase confidence, D said that 60 people were 100% capital insured this week and D himself has experienced this Fortrex exchange for a long time, so everyone can feel secure about this exchange. In addition to the 100% capital insurance exchange called Fortrex, the social network has many insurance platforms that operate similarly. For example, with Wefinex, investors have to spend a minimum capital of 500 USD or more, just follow the expert’s instructions, if winning, it is normal to enjoy a profit of 2-3% / day. even higher than 3% / day (equivalent to about 60-90% / month). The remaining losses will be compensated by the specialist. Similar to exchanges such as Fioption, Busstrade … are also advertised by brokers as a 100% capital insurance platform, providing a way to make money long-term in 2021. According to a member of the Busstrade floor, this floor is currently attracting near 8,000 investment members. The “virtual money” line tricked 32,000 investors into collapsed named iFan, Pincoin in 2018, causing many people to lose nothing. White loss is easy to understand Dr. Dinh The Hien, a financial expert, said: The principle when putting money into any investment channel is that they cannot prove that they are holding the investor’s money is legal, protected by the law. All those investment channels are all risky. “Similar stories have happened decades ago and I affirm that they will continue. Is there just a difference in the form of fraud, the scale of the scam”, Mr. Hien affirmed. So the question is why people who know in advance may lose nothing but still close their eyes and legs, the only answer is: Because of super profit. Outlaw investment channels exist because of human greed. Smart investment is when faced with super profits, each person must carefully consult with knowledgeable people about whether to put capital in or not, or when to invest capital to minimize the risk. empty-handed. Sadly, among those who face the risks from these investment channels, there are many who have used their accumulated money to “gamble”. “Therefore, as an individual investor, it is not allowed to pour money into channels that are not protected by the law. Do not seek high profits without knowledge. Because with an investment of about 10 billion. But achieving a profit higher than bank deposits about 30-40% is terrible. For example, the bank deposit interest rate is currently at 7% / year, another investment channel gives you. 11 – 12% / year is already a huge profit “- Dr. Hien emphasized. Deputy Governor of the State Bank of Vietnam Dao Minh Tu said that the provision of services for buying and selling foreign currencies or generating foreign currencies must be licensed by credit institutions licensed by the State Bank to operate. . However, up to now, the State Bank has not licensed any services other than those previously licensed. Therefore, organizations operating like the Forex market today are completely not in compliance with the law. “For people, putting money here is very risky and the law does not protect those risks. Therefore, people must be very cautious, especially with offers for a high percentage of profits. That is a sign of deception “- Mr. Tu warned. Accordingly, Mr. Tu recommends that people be cautious and consult professional people when participating in investment. Similarly, Mr. Tu also affirmed that virtual money is just an encrypted virtual product, not ordinance money or a means of payment. The law does not allow its functional use as the current ordinance currency. “The investment in cryptocurrencies today has many problems that have been evaluated. Authorities are clarifying the issue of legal basis management and virtual currency trading ”- Mr. Tu said.

Toyota Vietnam is trying to bring the Vios back to the position of best-selling car in the market. Dubbed the “King of Sales”, Toyota Vios over the years always dominates the best-selling car position in Vietnam every month. The rise of competitors made Vios no longer monopolize the “Sales Throne”, causing Toyota Vietnam to share market share with other manufacturers. Efforts to renew and value Vios closer to the value of the Japanese car joint venture earlier this year have not helped the sedan return to its original position. Unable to sit and watch the opponent continuously overpowering, Toyota Vietnam was forced to “launch new moves” to increase the competitiveness of Vios in the marketplace. The Japanese auto joint venture applies a sales policy with a Toyota genuine one-year material insurance package, worth 11.3 million VND for Vios buyers and full payment from April 24 to the end May 31, 2021. Vehicle owners, when using Toyota insurance, can repair and replace genuine parts at dealers nationwide. Along with the financial loan package previously deployed, this insurance package is expected to benefit car users, contributing to increasing sales of Vios 2021. The new Toyota Vios version was launched at the end of February 2021 with a retail price of 478 million dong. The first month of joining the market, nearly 2,000 people chose this model. With incentives for genuine Toyota one-year material insurance package, the Japanese auto joint venture is showing determination to bring Vios 2021 back to the leading position in the Vietnamese market.

New version Vios was launched at the end of February 2021 towards a youthful design and upgraded many safety features and amenities. Vios 2021 still inherits the available advantages such as the most spacious space in the segment, flat floor, rear seats with armrests, 3-point seat belt for the middle seat, outstanding safety system with 7 bags. The first and only gas segment. Vios air conditioner has the ability to cool quickly and deeply, because Toyota has carefully researched the characteristics of the tropical climate like Vietnam. In addition, Vios users are supported by high-quality after-sales service at 72 agents and branches spread across 35 provinces and cities nationwide. Customers can easily find reputable maintenance and repair places, access to available and cheap spare parts, and this is also a model with high economic value that has been proven over the years. Since its first appearance in 2003, Vios has been regularly the best-selling model and holds a record in the Vietnamese market with cumulative sales of more than 180,000 units.

The staff of the Center for Customer Care of Vietnam Social Insurance and Ho Chi Minh City Social Insurance instructed participants to install the application. Photo: Nguyen Vinh Speaking at the conference, Ms. Duong Ngoc Anh, Deputy Director of Customer Service Center, Vietnam Social Insurance, said that on November 16, 2020, Vietnam Social Security officially announced the VSSID application – Digital social insurance, an application on a mobile device platform, helps participants of social insurance, health insurance (health insurance) and unemployment insurance (UI) access information, perform public services, step by step. is currently replacing paper social insurance books and health insurance cards. After 4 months of being put into use, Vietnam Social Security has continuously upgraded its applications, added utilities, and enhanced user experience such as: Adjusting the function of using health insurance cards on the application; online public service integration; connecting notification system on VSSID application with SMS system, increasing interaction between application users with the social insurance agency. In the near future, the application will be used optionally in 5 languages ​​(Vietnamese, English, Korean, Chinese, Japanese), meeting the increasingly deep international integration in the field of welfare. society. At the conference, representatives of the Center for Information Technology and Social Security of Vietnam gave basic information about the features and utilities of the VSSID application such as: Personal management – Health insurance card, participation process, benefit information. and manage medical examination and treatment books; online public services; online search; information about the policy; reflections, recommendations … These information were discussed actively by delegates attending the conference, many questions were promptly and fully answered by the Vietnam Social Security. After more than 4 months of implementation, the country has over 1.7 million downloads, installation and use of VssID application. At the beginning of implementation, the application was only evaluated with an average score of 1.6 / 5 points (maximum score is 5 points) on 2 application stores. Up to now, after more than 4 months of implementation, with efforts to add gadgets, improve user experience, the average score of the application achieved on Google Play is 4.2 / 5 points, on AppStore is 3.6 / 5 points. Thereby, users are gradually satisfied with the quality, features and utilities provided by the Vietnam Social Security on the application. Overview of the conference. Photo: Nguyen Vinh In addition to positive reviews for the application, through monitoring and operating the application, Vietnam Social Security has also received comments and feedback from units across the industry, directly from users ( on the application stores), via social networks and from media agencies, the press with the expectation that the application is increasingly complete, modern and user-friendly, to meet the practical needs of participants, enjoy the regimes and policies of social insurance, health insurance and unemployment insurance. Easy to install and use the digital social insurance app with your smartphone. Photo: Nguyen Vinh In order to provide more features and services for people on VssID application more and more, in the coming time, continue to build and issue regulations on management and operation of VssID; reviewing and perfecting features and interfaces to improve user experience. At the same time, integrating facilities such as: calculating voluntary social insurance, health insurance by household, student health insurance; calculate the rate of pension and social insurance benefit when the participant is eligible for benefit; add features and utilities to remind medicine schedule, remind periodic medical examination and treatment schedule … With the VssID – Digital Social Insurance application, participants of social insurance, health insurance and unemployment insurance can grasp the process of participating and enjoying policies, and at the same time self-monitor and protect their welfare benefits right on their devices. smartphone.

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.