- Further Explanation (if any)- Dis

- Further Explanation (if any)
- Discount over Mkt authority: 22% for Healthcare product.
- Customer want to waive waiting period for pregnancy and treating this agreement almost as renewal as they have the agreement with BaoViet last year and 2 staffs is already pregnant : Ms Nguyen Thu Hien (accounting )and Ms Le Thi Kim Hung. Last year they had only 1 case of giving birth with the cost of 8 Mio VND, this year the maximum of pregnancy is maximum 5 cases including the mentioned 2, They agreed to give up the pregnancy during emergency benefit but to increase the SI to 25 Mio of pregnancy.
- PAI for larger group with lower SI and medical expenses added.
- Accept fully payment for 02 maternity cases of 02 insured: Nguyen Thu Hien and Le Thi Kim Hung
- Please also consider these following points:
- + Loss ratio for the whole program last year for both PA and healthcare is around 30%
- + Potential business with this client in future.
- + Directors of this factory has 8 years working in Japanese company and 1 year living in Japan.

- Further Explanation (if any)
- Discount over Mkt authority: 22% for Healthcare product.
- Customer want to waive waiting period for pregnancy and treating this agreement almost as renewal as they have the agreement with BaoViet last year and 2 staffs is already pregnant : Ms Nguyen Thu Hien (accounting )and Ms Le Thi Kim Hung. Last year they had only 1 case of giving birth with the cost of 8 Mio VND, this year the maximum of pregnancy is maximum 5 cases including the mentioned 2, They agreed to give up the pregnancy during emergency benefit but to increase the SI to 25 Mio of pregnancy.
- PAI for larger group with lower SI and medical expenses added.
- Accept fully payment for 02 maternity cases of 02 insured: Nguyen Thu Hien and Le Thi Kim Hung
- Please also consider these following points: 
- + Loss ratio for the whole program last year for both PA and healthcare is around 30%
- + Potential business with this client in future.
- + Directors of this factory has 8 years working in Japanese company and 1 year living in Japan.

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- Further Explanation (if any)- Discount over Mkt authority: 22% for Healthcare product.- Customer want to waive waiting period for pregnancy and treating this agreement almost as renewal as they have the agreement with BaoViet last year and 2 staffs is already pregnant : Ms Nguyen Thu Hien (accounting )and Ms Le Thi Kim Hung. Last year they had only 1 case of giving birth with the cost of 8 Mio VND, this year the maximum of pregnancy is maximum 5 cases including the mentioned 2, They agreed to give up the pregnancy during emergency benefit but to increase the SI to 25 Mio of pregnancy.- PAI for larger group with lower SI and medical expenses added.- Accept fully payment for 02 maternity cases of 02 insured: Nguyen Thu Hien and Le Thi Kim Hung- Please also consider these following points: - + Loss ratio for the whole program last year for both PA and healthcare is around 30%- + Potential business with this client in future.- + Directors of this factory has 8 years working in Japanese company and 1 year living in Japan.

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