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Join the box benefit or loss than commercial insurance?

According to expert box, a detailed comparison between right and the bath life is difficult because there are a lot of different life insurance package right.



You put Yu Shou - vice executive policy box (box VN) analysis: box type is a non-profit insurance, life insurance for the purpose of profit. In this case, the bank insurance from their own money in.

Your life also pay attention to the life insurance agent is very large (20 to 25% and decreased in the first year of the year, but not less than 5%).

On the condition of charge, to participate in the box object from the Vietnamese citizens over the age of 15, in the box object does not belong to the scope of the definition is forced to shut down before the 22% retirement fund, the son Xu. But for life insurance, although through a package of benefits seem attractive, they made the conditions are very harsh age, healthy at present, the life insurance contract to reduce the risk of.

The fund money was off increased corresponding to each year consumer price index adjustment in bhxh (CPI) model in the influence of government regulations announced years of participants (CPI index has an average increase of 8,1 percent per year, from 2008). Also, in the life insurance market interest rates.

In the box of death or injury, for any reason, the closing time of both box is affected. There are also provisions for life insurance, commercial insurance does not pay in some cases (died Dutch act, in the two years after the date of delivery insurance premium account or from the first day of the insurance contract shall continue to be valid; death or injury, always the innocent party intentionally or deliberately wrong to buy insurance beneficiary. The insured died was executed).

One advantage is the care you stop Yu Shou bhxh cited participants while enjoying a pension, the pension level adjusted periodically according to the consumer price index and the level of economic growth. In fact, the national pension adjustment increased almost every year. Just want to separate stage, since 2003, the government adjusted pension increased from about seven to 9,3 (according to a group of objects) compared to the level of retirement in 2002 time.

In addition, the time to enjoy the pension fund both hard to pay the money supply that card and enjoy the equal right of inspection, treatment, and other people do not depend on the cost of the disease to join...... When a person dies people worry about, also supported by the funeral for 10 months salary database has been the death of relatives, the son Xu (funding mode or monthly). This is the excellent advantages of both. For life insurance, the right to contract. In addition, the risk, in this case, the insurance company bankruptcy, participants can lose rights.

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