CIRCULAR

ON THE AMENDMENTS TO THE CIRCULAR NO. 126/2008/TT-BTC DATED DECEMBER 22nd 2008 OF THE MINISTRY OF FINANCE, ON THE PRINCILES, TERMS AND CONDITIONS, TARIFF, AND LEVEL OF COMPULSORY INSURANCE FOR CIVIL LIABILITY OF MOTOR VEHICLE ONWERS, AND THE CIRCULAR NO. 103/2009/TT-BTC DATED MAY 25th 2009 OF THE MINISTRY OF FINANCE ON THE MANAGEMENT, USE, AND PAYMENT FOR MOTOR VEHICLE INSURANCE FUNDS

Pursuant to the Government's Decree No. 118/2008/ND-CP dated November 27^th 2008, defining the functions, tasks, powers and organizational structure of the Ministry of Finance ;

Pursuant to the Government's Decree No. 103/2008/ND-CP dated September 16^th 2008 on compulsory insurance for civil liability of motor vehicle owners;

At the request of the Director of the Department of Insurance Management and Supervision;

The Ministry of Finance issues a Circular on the amendments to the Circular No. 126/2008/TT-BTC dated December 22^nd 2008 of the Ministry of Finance, on the principles, terms and conditions, tariff, and level of compulsory insurance for civil liability of motor vehicle owners (hereinafter referred to as the Circular No. 126/2008/TT-BTC), and the Circular No. 103/2009/TT-BTC dated May 25^th 2009 of the Ministry of Finance on the management, use, and payment for motor vehicle insurance funds (hereinafter referred to as the Circular No. 103/2009/TT-BTC),

Article 1. Amendments to the Circular No. 126/2008/TT-BTC

1. Point 5.1 Clause 5 of Section I is amended as follows:

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2. Point 1.2 Clause 1 of Section II is amended as follows:

“1.2. Insurers only issue Certificates of insurance to motor vehicle owners after they have paid off the insurance premium. The full payment of insurance premium shall be certified by accounting documents of the insurer (receipts or other documents ad prescribed by relevant laws). In some special cases, the insurer and the motor vehicle owner may reach a written agreement on the deadline for the insurance premium payment, in particular:

- If the motor vehicle owner is an administrative agency or public service provider of the State, the insurance premium shall be paid within 10 days from the effective date of the Certificate of insurance.

If the motor vehicle owner is not an administrative agency or public service provider of the State and buys insurance for many motor vehicles at the same time and the total insurance premium payable is at least 100 million VND, the insurance premium shall be paid in 2 instalments:

+ First instalment: the motor vehicle owner shall pay 50% of the total insurance premium before the effective date of the Certificate of insurance;

+ Second instalment: the motor vehicle owner shall pay the remainder within 90 days from the effective date of the Certificate of insurance.

- If the motor vehicle owner fails to pay insurance premium before the deadlines above, the insurance contract shall be terminated on the day after such deadlines. Within 5 working days from the termination date of the insurance contract, the insurer shall notify the motor vehicle owner in writing of the termination of the insurance contract and refund the excess insurance premium (if any) to the motor vehicle owner, or request the motor vehicle owner to pay off the insurance premium by the termination date of the insurance contract. The insurer shall not refund the insurance premium if an insured event and a liability to provide indemnities occur before the insurance contract is terminated. The insurer is not liable to provide indemnities to the insured when an insured event occurs while the insurance contract is terminated. The insurance contract shall take effect again from the day on which the insurance premium is paid off and the insurer makes a written approval.”

3. Point 2.1 Clause 2 of Section II is amended as follows:

“2.1. The effective date of the Certificate of insurance is written on the Certificate of insurance. The Certificate of insurance shall not takes effect before the motor vehicle owner pays off the insurance premium, except for the special cases in which the insurer and the motor vehicle owner reaches a written agreement on the deadline for paying insurance premium as prescribed in Clause 2 Article 1 of this Circular.”

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“d) Where a motor vehicle owner buys insurance for many vehicles at various times in a year, and wishes to convert the dates of all insurance contracts into the date for management, the insurance period of these vehicles may be shorter than 01 year and equal the remaining period of the first insurance contract in that year. The insurance period of the succeeding year of all insurance contracts (converted) is 01 year”.

5. Clause 4 of Section II is amended as follows:

“Maximum liability is the maximum amount of money that an insurer shall pay for bodily injuries, bodily suffering and loss of property of a third party and passengers caused by motor vehicles in each accident covered by the insurance. In particular:

4.1. The maximum liability for a bodily suffering caused by motor vehicles is 70,000,000 VND/person/accident.

4.2. The maximum liability for a loss of property caused by 2-wheel or 3-wheel motorbikes and similar motor vehicles (including motor vehicles for the disabled) is 40,000,000 VND/accident.

4.3. The maximum liability for a loss of property caused by cars, tractors, heavy-duty vehicles, vehicles serving agriculture, forestry, and other specialized vehicles serving National defense and security (including trailers and semi-trailers pulled by cars or tractors) is 70,000,000/accident.”

6. Point 7.3 Clause 7 of Section II is amended as follows:

“Insurers shall not provide indemnities in the following cases:

7.3. The driver has no driver’s license or the driver’s license is not appropriate for the type of the motor vehicle for which a driver’s license is compulsory. The driver who has his or her driver’s license revoked for a period of time or indefinitely is considered having no driver’s license”

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“8.3. Levels of indemnities:

The indemnity against each kind of injuries and bodily suffering is determined according to the Table of indemnities against bodily suffering provided in Appendix 2 to this Circular, or according to the agreement between the motor vehicle owner and the victim or the legal representative of the victim (in case the victim is dead). Such indemnity shall not exceed the levels in Appendix 2 to this Circular.  If the Court makes a decision, the indemnity shall comply with that decision but shall not exceed the levels in Appendix 2 to this Circular.

Where multiple motor vehicles cause an accident that lead to bodily suffering, the indemnity shall be determined according to the errors committed by the motor vehicle owners, but shall not exceed the maximum liability.

For accidents of which the causes are totally on account of the victims, the indemnity shall be 50% of the level in Appendix 2 to this Circular.

b) The specific indemnity against a loss of property in an accident is determined based on the actual damage and the errors committed by the motor vehicle owner, but shall not exceed the indemnity.

8.4. The insurer shall not provide indemnities for the excess of the insurance liability according to Appendix 2 to this Circular.

8. Appendix 1 on premiums of compulsory insurance for civil liability of motor vehicle owners enclosed herewith shall supersedes Appendix 5 to the Circular No. 126/2008/TT-BTC.

9. Appendix 2 on the indemnities against bodily suffering enclosed herewith shall supersede Appendix 6 to the Circular No. 126/2008/TT-BTC.

10. Appendix 3, Appendix 4, and Appendix 5 providing the templates of the Certificates of compulsory insurance for civil liability of motor vehicle owners enclosed here with shall supersede Appendix 1, Appendix 2, and Appendix 3 to the Circular No. 126/2008/TT-BTC.

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Article 2. Amendments to Clause 3 Article 6 of the Circular No.  103/2009/TT-BTC on support levels and subjects of support:

“3. Humanity aid: the expenditure must not exceed 15% of the annual payment to the fund, in particular:

The funeral support in case of bodily suffering and support for total permanent disability of a third person and car passengers caused by motor vehicles in case the motor vehicles that caused the accident are not identified, the vehicle has no insurance, except for the insurance prescribed in Article 13 of the Decree No. 103/2008/ND-CP. The funeral support and total permanent disability support are 20,000,000 VND per person per accident”.

Article 3. Implementation

1. This Circular takes effect on November 01^st 2012.

2. Difficulties arising during the course of implementation should be reported to the Ministry of Finance for consideration and settlement./.

PP THE MINISTER
DEPUTY MINISTER




Tran Xuan Ha

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APPENDIX 1

PREMIUMS OF COMPULSORY INSURANCE FOR CIVIL LIABILITIES OF MOTOR VEHICLE OWNERS
(To the Circular No. 151/2012/TT-BTC dated September 12^th 2012 of the Ministry of Finance)

No.

Vehicle

Annual premium (VND)

I

2-wheel motorbikes

1

...

...

...

55,000

2

>50 cc

60,000

II

3-wheel motorbikes, mopeds, and similar motor vehicles

290,000

III

Vehicles not being used for transport services

...

...

...

1

< 6 seats

397,000

2

6 – 11 seats

794,000

3

12 – 24 seats

1,270,000

...

...

...

> 24 seats

1,825,000

5

Pickup trucks, minivan

933,000

IV

Vehicles used for transport services

1

...

...

...

756,000

2

6 seats according to registration

929,000

3

7 seats according to registration

1,080,000

4

8 seats according to registration

...

...

...

5

9 seats according to registration

1,404,000

6

10 seats according to registration

1,512,000

7

11 seats according to registration

1,656,000

...

...

...

12 seats according to registration

1,822,000

9

13 seats according to registration

2,049,000

10

14 seats according to registration

2,221,000

11

...

...

...

2,394,000

12

16 seats according to registration

2,545,000

13

17 seats according to registration

2,718,000

14

18 seats according to registration

...

...

...

15

19 seats according to registration

3,041,000

16

20 seats according to registration

3,191,000

17

21 seats according to registration

3,364,000

...

...

...

22 seats according to registration

3,515,000

19

23 seats according to registration

3,688,000

20

24 seats according to registration

3,860,000

21

...

...

...

4,011,000

22

> 25 seats

4,011,000 + 30,000 x (total seats minus 25)

V

Cargo trucks

1

< 3 tonnes

...

...

...

2

3 - 8 tonnes

1,660,000

3

8 - 15 tonnes

2,288,000

4

> 15 tonnes

2,916,000

...

...

...

1. Cars for driving practice

At 120% of the insurance premium of a car of the same type in Section III and Section V.

2. Taxis

At 150% of the insurance premium of a business vehicle with the same number of seats in Section IV.

3. Specialized vehicles

- Insurance premiums of ambulances are equal to that of pickup trucks

- Insurance premiums of money trucks are equal to that of cars with fewer than 6 seats as prescribed in Section III.

- Insurance premiums of other specialized vehicles are equal to that of cargo trucks with the same weight as prescribed in Section V.

4. Trailer-tractors

...

...

...

5. Specialized motorbikes

Equal to the insurance premium of a cargo truck lighter than 3 tonnes as prescribed in Section V.

6. Buses

Equal to the insurance premium of a vehicle not being used for transport services with the same number of seats as prescribed.

(The insurance premiums above are exclusive of VAT 10%)

APPENDIX 2

INDEMNITIES AGAINST BODILY SUFFERING
(To the Circular No. 151/2012/TT-BTC dated September 12^th 2012 of the Ministry of Finance)

...

...

...

01

Death

02

Blindness of loss of both eyes

03

Incurable psychosis

04

Total loss of chewing, and speaking functions, respiratory functions

05

...

...

...

06

Loss of both hands or feet, loss of 1 arm and 1 foot, or 1 arm and 1 leg, or 1 hand and 1 leg.

07

Loss of ability to work (complete paralysis, injuries that lead to immobilization or total permanent disability)

08

Total removal of a lung and partially removal of the other

II- INJURIES OF BODY PARTS

Coverage (million VND)

...

...

...

From

to

A. PECTORAL LIMBS

09

Loss of one arm from the shoulder (shoulder disarticulation)

...

...

...

60

10

Amputation of one arm from below the shoulder

49

56

11

Amputation of one arm from the elbow (elbow disarticulation)

46

53

...

...

...

Loss of a hand or all five fingers

42

49

13

Loss of 4 fingers on one hand (except for the thumb)

28

35

14

Loss of both index finger and thumb

...

...

...

32

15

Loss of the index finger, middle finger, and ring finger

21

25

16

Loss of 1 thumb and 2 other fingers

25

28

...

...

...

Loss of 1 thumb and 1 other finger

21

25

18

Loss of 1 index finger and 2 other fingers

25

28

19

Loss of 1 index finger and 1 middle finger

...

...

...

25

20

Loss of 1 thumb and metacarpal

18

21

Loss of 1 thumb

14

18

...

...

...

Loss of the distal phalange

7

11

Loss of ½ of the distal phalange

5

7

21

Loss of 1 thumb and metacarpal

...

...

...

18

Loss of 1 index finger

13

15

Loss of 2^nd joint and 3^rd joint

7

8

...

...

...

Loss of 3^rd joint

6

7

22

Loss of 1 middle finger or ring finger (a whole metacarpal)

13

15

Loss of 1 middle finger or ring finger

...

...

...

13

Loss of 2^nd joint and 3^rd joint

6

8

Loss of 3^rd joint

3

5

...

...

...

Loss of 1 pinky and metacarpal

11

14

Loss of the whole pinky

7

11

Loss of 2^nd joint and 3^rd joint

...

...

...

7

Loss of 3^rd joint

3

5

24

Shoulder stiffness

18

25

...

...

...

Elbow stiffness

18

25

26

Wrist stiffness

18

25

27

Mal union or loss of bone that shortens the limb more than 3 cm and impede the rotation of the forearm.

...

...

...

25

28

Wrist bone fracture, mal union, limited movement of shoulder joints

25

32

29

Humerus fracture

...

...

...

- Good union, normal movement

11

18

- Mal union, atrophy

18

21

30

Fracture of the radius and ulna

...

...

...

18

31

Fracture of the radius or ulna

7

14

32

Artificial joint of 2 bones

18

25

...

...

...

Artificial joint of 1 bone

11

14

34

Fracture of the lower extremity of the radius

7

13

35

Fracture of the styloid process of the radius or ulna

...

...

...

11

36

Fracture of wrist bones

7

13

37

Fracture of metacarpals (1 or many metacarpals)

6

11

...

...

...

Fracture of collar bone:

- Good union

6

8

- Mal union, shoulder stiffness

...

...

...

18

- Compression of axilarry nerve

21

25

39

Fracture of scapula

...

...

...

- Bone body fracture

7

11

- Horizontal fracture

12

15

- Fracture of shoulder joint

...

...

...

28

40

Fracture of finger bones (one or many fingers)

2

8

B. PELVIC LIMBS

...

...

...

Loss of one leg from the crotch (hip disarticulation)

53

60

42

Amputation of 1 thigh: the upper 1/3

49

56

-The middle or lower 1/3

...

...

...

53

43

Amputation of 1 leg from the knee (knee disarticulation)

42

49

44

Ankle disarticulation or loss of 1 foot

39

46

...

...

...

Loss of talus

25

28

46

Loss of calcaneus

25

32

47

Loss of part of the tibia,

...

...

...

32

48

Loss of part of the fibula

14

21

49

Loss of malleolus -  lateral malleolus

7

11

...

...

...

- Medial malleolus

11

14

50

Loss of all 5 toes

32

39

51

Loss of 4 toes including the big toe

...

...

...

34

52

Loss of 4 toes excluding the big toe

25

32

53

Loss of 3^rd toe, 4^th toe, and 5^th toe

18

21

...

...

...

Loss of 1^st toe, 2^nd toe, and 3^rd toe

21

25

55

Loss of the big toe and 2^nd toe

14

18

56

Loss of 1 big toe

...

...

...

14

57

Loss of 1 toe excluding the big toe

7

11

58

Loss of 1 big toe

6

8

...

...

...

Hip stiffness

32

39

60

Knee stiffness

21

28

61

Loss of most of the patella and serious limitation to the ability to stretch the leg

...

...

...

39

62

Bone fracture or loss of bone that shortens limbs

- At least 5 cm

28

32

...

...

...

- 3 - 5 cm

25

28

63

Complete paralysis of lateral popliteal nerve

25

32

64

Complete paralysis of medial popliteal nerve

...

...

...

25

65

Fracture of middle or lower 1/3 of the femor (the surgery shall be paid at the highest level)

- Good union

14

21

...

...

...

- Mal union, varus or valgus, atrophy

21

28

66

Fracture of the upper 1/3 or femor neck (the surgery shall be paid at the highest level)

- Good union, straight axis

...

...

...

25

- Mal union, valgus, pain when walking, atrophy

25

32

67

Artificial joint of the femur neck

32

39

...

...

...

Fracture of the fibula and tibia

14

21

69

Fracture of the tibia

11

15

70

Fracture of the tibial plateau

...

...

...

18

71

Fracture of the fibula

7

14

72

Patellar tendon rupture

11

18

...

...

...

Fracture of the patella (the surgery shall be paid)

7

14

74

Fracture of the patella, knee stiffness, or quadriceps atrophy

18

21

75

Achilles tendon rupture (stitched)

...

...

...

14

76

Fracture of metacarpals (1 or many metacarpals)

5

8

77

Fracture of the calcaneus

11

18

...

...

...

Fracture of the navicular

11

15

79

Fracture of toe bones (1 or many joints)

3

8

80

Fracture of pubis

...

...

...

22

81

Fracture of the ischium

18

21

82

Fracture of 1 ilium

14

21

...

...

...

Fracture of 2 ilium, pelvic deformity (depending on the effect on reproduction)

28

42

84

Fracture of the sacrum: no sphincter disorder

7

11

- Sphincter disorder.

...

...

...

25

C. SPINE

85

Removal of the posterior arch: - Of 1 vertebra

25

28

...

...

...

- Of 2 vertebrae or more

32

42

86

1 flattened vertebra (no paralysis of the spinal cord)

21

28

87

2 flattened vertebrae or more (no paralysis of the spinal cord)

...

...

...

42

88

Fracture of the spinous process or transverse process

- of 1 vertebra

7

12

...

...

...

- of 2 – 3 vertebrae

18

32

D. SKULL AND BRAIN

89

Skull defect (no sign of psychiatric disorder)

...

...

...

- Diameter < 6 cm

18

28

- Diameter of 6 - 10 cm

28

42

...

...

...

- Diameter > 10 cm

35

49

90

Language disorder due to brain injuries

- Idioglossia or spasmophemia that affect communication

...

...

...

28

- Mutism due to injury to the Broca’s area

42

49

- Loss of ability to use written language (asphasia due to injury to the Wernicke’s area)

39

49

...

...

...

Total scalping

32

39

92

Open head injuries:

- Fracture of bones

...

...

...

35

- Depressed skull fracture

21

28

- Multiple bone fractures go into the brain

35

42

...

...

...

Closed head injury

- Fracture of calvaria (usual crack or depressed fracture)

14

21

- Bone fracture that spreads to the base of skull, no paralysis of nerve

...

...

...

28

- Bone fracture that spreads to the base of skull with paralysis of nerve

28

35

94

Brain injury

...

...

...

- Cerebral concussion

6

11

- Cerebral edema

28

35

- Cerebral contusion,

...

...

...

42

- Subarachnoid hemorrhage

28

35

- Intracranial haematoma (epidural, subdural, intracerebral)

21

28

...

...

...

E. CHEST

95

Removal of 1 – 2 ribs

11

14

96

Removal of 3 ribs or more

...

...

...

25

97

Removal of 1 – 2 ribs

6

7

98

Fracture of 1 – 2 ribs

5

8

...

...

...

Fracture of 3 ribs or more

11

18

100

Mere fracture of the sternum (cardiovascular and refractory functions are normal)

11

14

101

Fissure of the sternum

...

...

...

11

102

Complete removal of a lung

49

56

103

Removal of multiple lobes of 2 lungs, DTS is reduced by over 50%

46

53

...

...

...

Removal of multiple lobes of a lung

35

42

105

Removal of a lung lobe

25

32

106

Pleural effusion, pneumothorax, hemothorax (paracentesis only)

...

...

...

7

107

Pneumothorax, hemothorax (drainage)

14

21

108

Injuries to heart valves and heart cavity (no heart failure)

35

42

...

...

...

Pericardial sewing:

- Bad surgery result

42

49

- Good surgery result

...

...

...

32

G. ABDOMEN

110

Complete removal of the stomach

53

60

...

...

...

Segmental resection of the stomach

35

42

112

Removal of most of the small intestine (less than 1 m remaining)

53

60

113

Segmental resection of the small intestine

...

...

...

35

114

Complete removal of the large intestine

53

60

115

Segmental resection of the large intestine

35

42

...

...

...

Mere removal of the right liver

49

56

117

Mere removal of the left liver

42

49

118

Removal of liver lobes, depending on the position, number, and surgery results

...

...

...

42

119

Removal of the gall bladder

32

39

120

Removal of the spleen

28

35

...

...

...

Removal of the tail of pancreas or spleen

42

49

122

Gastric perforation sewing

18

25

123

Small intestine perforation sewing (1 or multiple perforations)

...

...

...

32

124

Large intestine perforation sewing

21

28

125

Liver contusion, liver sewing

25

32

...

...

...

Spleen capsule sewing

18

25

127

Pancreas sewing

21

25

H. UNIRARY AND REPRODUCTIVE ORGANS

...

...

...

128

Removal of 1 kidney, the remaining kidney is functional

35

42

129

Removal of 1 kidney, the remaining kidney is damaged or sick

49

56

...

...

...

Segmental resection of the left or right kidney

21

28

131

Kidney injury (depending on the seriousness and the number of kidneys injured)

- Slight (not special treatment is required, shorter than 5 days of monitoring)

...

...

...

6

- Medium (special medication is required, longer than 5 days of monitoring)

7

11

- Serious (contusion, surgical intervention is required)

33

39

...

...

...

Segmental resection of the bladder

19

25

133

Permanent bladder stoma surgery

49

56

134

Bladder perforation sewing

...

...

...

25

135

Loss of the penis and 2 testicles of:

- A man under 55 years of age without children

49

56

...

...

...

- A man under 55 years of age with children

39

46

- A man over 55 years of age with children

25

28

136

Removal of the womb and one ovary of

...

...

...

- A woman under 45 years of age without children

42

49

- A women under 45 years of age with children

21

28

...

...

...

- A women over 45 years of age

18

21

137

Removal of 1 breast of a women under 45 years of age

14

21

Removal of 2 breasts of a woman under 45 years of age.

...

...

...

39

Removal of 1 breast of a women over 45 years of age

11

14

Removal of 2 breasts of a woman over 45 years of age.

21

28

...

...

...

I. EYES

138

Loss or total blindness of 1 eye

- The implantation of an artificial eye is not possible

...

...

...

46

- The implantation of an artificial eye is possible

35

42

139

The vision of one eye is 1/10

21

32

...

...

...

The vision of one eye is 2/10 – 4/10

8

14

141

The vision of one eye is 5/10 – 7/10

5

11

142

Loss or total blindness of 1 eye, but one eye is already lost or blind before the accident

...

...

...

63

K. EAR – NOSE - THROAT

143

Deafness of 2 ears:

...

...

...

- Unrecoverable

53

60

- Serious (able to hear when being screamed at)

42

49

- Medium (able to hear loud voices at 1 – 2 m)

...

...

...

32

- Slight (able to hear loud voices at 2 – 4 m)

11

18

144

Deafness of 1 ear: unrecoverable

21

28

...

...

...

Medium

11

14

Slight

6

11

145

Loss of both pinnae

...

...

...

28

146

Loss of 1 pinna

7

18

147

Shriveled pinnae, ear canal stenosis

14

18

...

...

...

Loss of nose, nose deformity

13

28

149

Esophageal stricture causing swallowing difficulties

14

28

L. TEETH - MOUTH -  FACE

...

...

...

150

Lost of part of the upper jawbone and part of the lower jawbone from the ramus and under:

- At different sides

56

63

...

...

...

- at the same side

49

56

151

Total loss of the upper jawbone or lower jawbone

49

56

152

Loss of part of the upper jawbone or part of the lower jawbone (1/3 – 1/2 of the jawbone is lost) from the ramus and under

...

...

...

32

153

Fracture of the upper jawbone and the lower jawbone, mal union, dislocation of temporomandibular joint which cause swallowing and chewing difficulties

21

25

154

Fracture of the zygomatic bone, which causes slight the temporomandibular joint disorder and chewing difficulties

11

18

...

...

...

Artificial temporomandibular joint due to nonunion or bone defects

14

18

156

Loss of teeth: more than 08 teeth, implantation of false teeth is not possible

21

28

5 – 7 teeth

...

...

...

18

3 – 4 teeth

6

8

1 – 2 teeth

2

4

...

...

...

Loss of 3/4 of the tongue without losing the root (from the V line outwards)

53

60

158

Loss of 2/3 of the tongue from the tip

35

42

159

Loss of 1/3 of the tongue that causes pronunciation difficulties

...

...

...

18

160

Loss of less than 1/3 of the tongue that causes pronunciation difficulties

7

11

M. SOFT TISSUE INJURIES, BURNS

...

...

...

Soft tissue injuries include

1

8

162

Soft tissue injuries that cause pain, numbness, convulsive movements (depending on the extent and seriousness), affect tendons, muscles, major blood vessels, and nerves.

8

18

163

Chest and abdominal soft tissue injuries that affect respiration

...

...

...

32

164

Soft tissue injuries that leave sclerosis and cause difficulties in eating, chewing, and neck movement

28

42

165

Soft tissue injuries that cause large openings around the mouth cavity, lip and cheek injuries that seriously affect eating and drinking

35

42

...

...

...

Loss of part of the palate that connect the nose and the mouth

14

21

167

Superficial burn (first-degree, second-degree)

- Less than 5% of skin area

...

...

...

5

- 5-15% of skin area

7

11

- More than 15% of skin area

11

18

...

...

...

Deep burn (third-degree, fourth-degree, fifth-degree)

- Less than 5% of skin area

14

25

- 5-15% of skin area

...

...

...

42

- More than 15% of skin area

42

56

Special cases:

1. When the joints of a finger or toe are stiff (except for the thumb, index finger, and big toe), the indemnity is 50% of that for the amputation of that finger.

2. The total loss of the function o

3. A victim who had only one healthy eye before the accident, and loses it in the accident is considered losing both eyes.

...

...

...

5. When an injury is not specified in the Table of indemnities against bodily suffering, it shall be indemnified  based on the comparison of its seriousness with other cases in the list or based on the conclusion of the Medical Assessment Council.

6. When a person is dead and his or her body is not found or there is no legal inheritor, the coverage shall be given according to the actual cost of the funeral and the search for his or her body. The total coverage shall not exceed the indemnities against bodily suffering specified in Appendix 2 to this Circular.

APPENDIX 6

REPORT ON INSURANCE FOR CIVIL LIABILITY OF MOTOR VEHICLE ONWERS

(to the Circular No. 151/2012/TT-BTC dated September 12^th 2012 of the Ministry of Finance)

- Name of insurer: ………………………………………………………………

- Report of ….. /………….. From ……………….. to ……………………

Type of vehicle

Quantity

...

...

...

Insurance premium (million VND)

Number of accidents

Fatalities (people)

Insurance coverage (million VND)

For humans

For property

At the beginning

Arising

...

...

...

At the beginning

Arising

At the end

At the beginning

Arising

At the end

At the beginning

Arising

At the end

...

...

...

Arising

At the end

At the beginning

Arising

At the end

I

2-wheel motorbikes

...

...

...

...

...

...

II

3-wheel motorbikes, mopeds, and similar motor vehicles

...

...

...

...

...

...

III

Vehicles not being used for transport services (specify the type of vehicles according to the premium list)

...

...

...

...

...

...

IV

Vehicles used for transport services (specify the type of vehicles according to the premium list)

...

...

...

...

...

...

V

Cargo trucks (specify the type of vehicles according to the premium list)

...

...

...

...

...

...

TOTAL

...

...

...

...

...

...

We hereby declare that the information provided above is truthful.

Report maker
[signature and full name]

[Location and date]
 Director
   [signature and full name]

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...

...