Tiếng Việt
Workmen’s Compensation (WCI) Insurance
Protect your people and your Employer’s liability in case of labor accident. WCI pays defined benefits when employees suffer an accident at work (or while on duty), covering medical care and income replacement so recovery doesn’t become a financial hardship—while helping employers meet Law on Occupational Safety and Hygiene and contract requirements.
Employers must participate in the statutory Occupational Accident & Disease fund via Social Insurance.
Separate compulsory insurance for workers on construction sites applies to eligible construction projects.
Target clients
- Employers of any size across manufacturing, logistics, construction, healthcare, retail, services, and offices—especially businesses with on-site, field, or shift workers.
Core protections
- Accidental death & disablement (per benefit scale).
- Medical expenses for treatment, hospitalization, surgery, and rehabilitation (up to the selected limit).
- Temporary total disablement (salary/ daily allowance during the accidental treatment) and permanent partial/total disablement benefits.
- Coverage for accidents occurring at work, on duty, and during direct business travel as defined in the policy.
Add-on protections
- Extension to Personal accident 24/7 cover, commuter risks (to/from work), occupational disease extension, territorial/worldwide extensions, and Employer’s Liability to protect against negligence-based claims.
Results you can expect
- Faster employee care and return-to-work outcomes.
- Predictable claim costs and reduced downtime.
- Stronger compliance posture for audits, clients, and tenders.
- A safer, more resilient workplace culture.
Vietnam Legal Requirements
The commercial WCI policy above is not universally compulsory; it complements statutory benefits and is often required by contracts or internal Occupational Safety and Hygiene standards.
Property & Casualty Insurance
