Insurance Event in English
The Insurance Event (Vietnamese: Sự kiện bảo hiểm), also called an Insured Event, is any occurrence explicitly listed in an insurance policy that obliges the insurer to pay compensation. The event must fall within the coverage period, be supported by documentation, and not fall under policy exclusions such as gross negligence, war, or intentional acts.
Insurance events are the operational trigger of the entire insurance contract: without a qualifying event, no claim can be made, regardless of how much premium has been paid. Insurers define insured events precisely in the policy wording to prevent ambiguity during claims assessment, and Vietnamese insurance law (Luật Kinh doanh bảo hiểm) requires this definition to be clearly disclosed to policyholders before contract signing.
Common Examples for Vietnamese SMEs
- Fire or flood damage to business property and inventory
- Vehicle collisions and third-party liability claims for company fleets
- Critical illness or hospitalization under group health insurance plans
- Business interruption following a covered peril (e.g., natural disaster)
- Theft or burglary of business assets under commercial property insurance
Real-World Example
A garment manufacturing SME in Bình Dương experienced a warehouse fire that destroyed raw materials worth approximately 2 billion VND. Because fire damage was explicitly listed as an insured event in their commercial property policy, the company notified the insurer within 24 hours, submitted photographic evidence and a fire department report, and received compensation covering roughly 80% of the assessed loss within six weeks.
Claims Process Steps
- Notify the insurer promptly (typically within 24–72 hours of the event)
- Collect evidence: photos, police/fire reports, witness statements
- Submit a formal claims package with supporting documentation
- Undergo insurer assessment and loss adjustment
- Receive compensation per policy terms and deductibles
Related Terms
| English | Pronunciation | Vietnamese |
|---|---|---|
| Insurance Event | /ɪnˈʃʊər.əns ɪˈvɛnt/ | Sự kiện bảo hiểm |
| Policy Exclusion | /ˈpɒl.ə.si ɪkˈskluː.ʒən/ | Điều khoản loại trừ |
| Claim Assessment | /kleɪm əˈsɛs.mənt/ | Thẩm định bồi thường |
| Deductible | /dɪˈdʌk.tə.bəl/ | Mức khấu trừ |
| Beneficiary | /ˌbɛn.ɪˈfɪʃ.ər.i/ | Người thụ hưởng |
Cross-Language Comparison
| Tiếng Việt | English | 日本語 | 中文 |
|---|---|---|---|
| Sự kiện bảo hiểm | Insurance Event | 保険事故 | 保险事故 |
| Bồi thường | Compensation/Claim Payout | 保険金支払い | 保险赔付 |
| Điều khoản loại trừ | Policy Exclusion | 免責条項 | 除外责任 |
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