Precedent no. 23/2018/AL on validity bóng đá hôm nay trực tiếp life insurance policy upon policyholder’s failure to pay insurance premiums due to insurer’s faults

The application for life insurance indicates that the policyholder chose to pay insurance premiums at his house address. When the payment bóng đá hôm nay trực tiếp insurance premium was due and during the payment extension period thereafter, none bóng đá hôm nay trực tiếp the insurer’s employee came to the collect the insurance premium from the policyholder.

Representation bóng đá hôm nay trực tiếp the plaintiff Mrs. Pham Thi T: His husband, Mr. Tran Huu L, took out insurance with P Life Insurance Co., Co., Ltd. Then his husband died in an incident. Relied on the policy, she is the beneficiary. Now, she requests the defendant to make the insurance payout bóng đá hôm nay trực tiếp VND 300 million and interest bóng đá hôm nay trực tiếp VND 126 million, calculated according to the basic interest rate since August 20005, totaling VND 426 million.

Representation bóng đá hôm nay trực tiếp authorized representative bóng đá hôm nay trực tiếp the defendant, P Life Insurance Co., Ltd, Mr. Nguyen Quoc T: Mr. L had to pay the 2^ndinstallment on insurance premium on June 24, 2005 and within 2-month extension following that due date, but he did not pay it. Mr. L died on August 27, 2005, 3 days after the insurance policy was invalid. Thus, the defendant refused to make the insurance payout at the request bóng đá hôm nay trực tiếp the plaintiff.

Representation bóng đá hôm nay trực tiếp person with relevant rights and obligations, Mrs. Vu Thi Minh N: As an agent bóng đá hôm nay trực tiếp the defendant, she sold insurance to Mr. L. She mutually agreed with Mr. L to collect his payment bóng đá hôm nay trực tiếp insurance premiums at his house in person. But she was attending in a political class in a province when that payment bóng đá hôm nay trực tiếp insurance premiums was due, so she failed to come to his house to collect the premium. The failure bóng đá hôm nay trực tiếp premium payment came from an objective cause, hence she requests the defendant to make insurance payout to the plaintiff.

[1] After consideration bóng đá hôm nay trực tiếp the case files assessed and the adversarial process at the court hearing, the Trial Panel judges as follows:

[2] With reference to format: The appeal bóng đá hôm nay trực tiếp Mrs. Pham Thi T was valid and filed within the statutory time limit.

[3] With reference to content:

[4] According to the application for life insurance policy (case file p. 15-17), P Life Insurance Co., Ltd is obliged to collect insurance premiums bóng đá hôm nay trực tiếp Mr. L at his house, at the address No. 231, Village 3, Commune B, District G, Ben Tre Province. This indication is consistent with statement bóng đá hôm nay trực tiếp Mrs. N who is delegated by P Life Insurance Co., Ltd to sell insurance and collect premiums.

[5] The appeal bóng đá hôm nay trực tiếp Mrs. T, citing insurer’s premium collection failure as the reason for her non-payment, is well-grounded and consistent with mentioned evidence.

[6] The certificate bóng đá hôm nay trực tiếp Police bóng đá hôm nay trực tiếp Commune B states that Mr. L died on August 27, 2005 from traumatic brain injury because he carelessly fell down and hit his head.

[7] Considering that Mr. L signed an insurance policy based on his application for life insurance with VND 300,000,000 bóng đá hôm nay trực tiếp coverage and his non-payment bóng đá hôm nay trực tiếp second installment bóng đá hôm nay trực tiếp premium was not his fault. Therefore, the appeal bóng đá hôm nay trực tiếp Mrs. T claiming P Life Insurance Co., Ltd to make the insurance payout according to the insured event that Mr. L died in an incident is well-grounded to accept.

[8] Considering request bóng đá hôm nay trực tiếp the representative bóng đá hôm nay trực tiếp P Life Insurance Co., Ltd that Mr. L’s non-payment bóng đá hôm nay trực tiếp the second installment bóng đá hôm nay trực tiếp premium which was due on August 24, 2005 and his death on August 27, 2005 lead to the fact that Mr. L’s insurance policy is invalid, it is not grounded. Based on the foregoing analysis, Mr. L’s non-payment may be attributed to company’s collection failure.  This is also specified in page 5 bóng đá hôm nay trực tiếp the book "what customers need to know” that collection at home consists bóng đá hôm nay trực tiếp quarterly, biannual and annual collection, and at the same address bóng đá hôm nay trực tiếp at least 2 policies, consistent with the case bóng đá hôm nay trực tiếp Mr. L who bought 3 insurance policies from P Life Insurance Co., Ltd for Mr. L, Ms. T and Ms. H. Therefore, the Trial Panel does not accept the request bóng đá hôm nay trực tiếp the representative bóng đá hôm nay trực tiếp P Life Insurance Co., Ltd and proposal bóng đá hôm nay trực tiếp its lawyer.

[9] Considering claim bóng đá hôm nay trực tiếp Mrs. T requesting P Life Insurance Co., Ltd to pay the late payment interest from August 27, 2005 to the date on which the Court brought the case to trial, it is not grounded because the Certificate bóng đá hôm nay trực tiếp Insurance issued to Mr. P by P Life Insurance Co., Ltd does not have the term bóng đá hôm nay trực tiếp interest. So, the Trial Panel does not accept this claim.

[10] Thus, the Trial Panel accept partial appeal bóng đá hôm nay trực tiếp Mrs. T, correct the First Instance Judgment that P Life Insurance Co., Ltd shall be compelled to make the insurance payout bóng đá hôm nay trực tiếp VND 300,000,000 based on the insured event that Mr. L died in an incident and Mrs. T is the beneficiary.

[11] Mrs. T and P Life Insurance Co., Ltd have to pay the first instance civil court fee as prescribed in Clause 2 Article 7 bóng đá hôm nay trực tiếp Decree No. 70/CP. In specific, Mrs. T has to pay the court fee bóng đá hôm nay trực tiếp VND 6,040,000 for the non-accepted interest. P Life Insurance Co., Ltd has to pay the court fee bóng đá hôm nay trực tiếp VND 12,000,000 for the insurance payout payable to Mrs. T.

[12] As the First Instance Judgment shall be corrected, Mrs. T is not required to pay the appellate civil court fee as prescribed in Clause 2 Article 132 bóng đá hôm nay trực tiếp the Civil Procedure Code.

Pursuant to facts and matters mentioned above:

[4] According to the application for life insurance policy (case file p. 15-17), P Life Insurance Co., Ltd is obliged to collect insurance premiums bóng đá hôm nay trực tiếp Mr. L at his house, at the address No. 231, Village 3, Commune B, District G, Ben Tre Province. This indication is consistent with statement bóng đá hôm nay trực tiếp Mrs. N who is delegated by P Life Insurance Co., Ltd to sell insurance and collect premiums.

[7] Considering that Mr. L signed an insurance policy based on his application for life insurance with VND 300,000,000 bóng đá hôm nay trực tiếp coverage and his non-payment bóng đá hôm nay trực tiếp second installment bóng đá hôm nay trực tiếp premium was not his fault. Therefore, the appeal bóng đá hôm nay trực tiếp Mrs. T claiming P Life Insurance Co., Ltd to make the insurance payout according to the insured event that Mr. L died in an incident is well-grounded to accept.

[8] Considering request bóng đá hôm nay trực tiếp the representative bóng đá hôm nay trực tiếp P Life Insurance Co., Ltd that Mr. L’s non-payment bóng đá hôm nay trực tiếp the second installment bóng đá hôm nay trực tiếp premium which was due on August 24, 2005 and his death on August 27, 2005 lead to the fact that Mr. L’s insurance policy is invalid, it is not grounded. Based on the foregoing analysis, Mr. L’s non-payment may be attributed to company’s collection failure.  This is also specified in page 5 bóng đá hôm nay trực tiếp the book "what customers need to know” that collection at home consists bóng đá hôm nay trực tiếp quarterly, biannual and annual collection, and at the same address bóng đá hôm nay trực tiếp at least 2 policies, consistent with the case bóng đá hôm nay trực tiếp Mr. L who bought 3 insurance policies from P Life Insurance Co., Ltd for Mr. L, Ms. T and Ms. H. Therefore, the Trial Panel does not accept the request bóng đá hôm nay trực tiếp the representative bóng đá hôm nay trực tiếp P Life Insurance Co., Ltd and proposal bóng đá hôm nay trực tiếp its lawyer.”

Pursuant to Clause 2 Article 275 bóng đá hôm nay trực tiếp the Civil Procedure Code.

Hereby judges:

- Accept partial appeal bóng đá hôm nay trực tiếp Mrs. Pham Thi T.
- Correct the First Instance Judgment No. 38/2008/DS-ST dated August 21, 2008 bóng đá hôm nay trực tiếp People’s Court bóng đá hôm nay trực tiếp District 1, Ho Chi Minh City.

1. Accept partial claim bóng đá hôm nay trực tiếp Mrs. Pham Thi T.
* Compel P Life Insurance Co., Ltd to make the insurance payout bóng đá hôm nay trực tiếp VND 300,000,000 (Three hundred million dong) to Mrs. Pham Thi T as soon as possible after the Judgment takes effect.

* From the date on which the plaintiff files a request for judgment enforcement, if the defendant fails to enforce the Judgment, the defendant must bear the interest according to the basic interest rate quoted by the State Bank for the period bóng đá hôm nay trực tiếp delayed enforcement.

2. First instance civil court fee: Mrs. Pham Thi T has to pay VND 6,040,000 (Six million forty thousand dong), which is deducted from the paid court fee advance bóng đá hôm nay trực tiếp VND 600,000,000 (Six million dong) according to the receipt No. 002185 dated June 9, 2016 bóng đá hôm nay trực tiếp the Sub-department bóng đá hôm nay trực tiếp Civil Judgment Enforcement bóng đá hôm nay trực tiếp Ho Chi Minh City. Mrs. T has to pay an additional amount bóng đá hôm nay trực tiếp VND 40,000 (Forty thousand dong).

P Life Insurance Co., Ltd has to pay the court fee bóng đá hôm nay trực tiếp VND 12,000,000 (Twelve million dong).

3. Mrs. T does not have to pay the appellate civil court fee, so she will be refunded VND 50,000 (Fifty thousand dong) bóng đá hôm nay trực tiếp the paid court fee advance according to the receipt No. 004852 dated September 9, 2008 bóng đá hôm nay trực tiếp Sub-department bóng đá hôm nay trực tiếp Civil Judgment Enforcement bóng đá hôm nay trực tiếp Ho Chi Minh City.

The Appellate Judgment shall take legal effect from the date bóng đá hôm nay trực tiếp pronouncement.