Trade credit insurance, comprehensive

On this basis, the insured person had premiums and comprehensive commercial credit based on the information provided by the insured to the company in writing, paper-based insurance claims and additional terms attached and become a part of the terms, conditions and limits defined in single coverage this insurance company, agree as follows:

The company shall indemnify the insured for comprehensive commercial credit losses to occur related to the shipment of eligible due to the buyer’s non-payment for the insured person the whole or a part of the total value under invoicing of shipments that qualify, in time.

The amount paid by the company will be calculated according to the provisions of article VI-claim and recover.


In the application of trade credit insurance, the terms below will be interpreted as follows:

A. BUYERS mean i) a company, private enterprises, companies or a government agency was established and legitimate activities in the country of the buyer, or (ii) the organization is outlined in section 1 of the additional terms the buyer the row, if any. Any buyer would, heir or successor organization shall be deemed to be the same organization. The term buyers will include both the buyer and the company or other organization controlling The purchase, because the buyer’s control, or the control of a company or other organization. Control means direct or indirect ownership over 50% of the voting equity, or control the management, executives Who purchase.

B. BUYER’S WATER means water from which, the buyer is obliged to pay to the insured the comprehensive commercial credit under the terms of the sales contract.
C. BUYER LIMIT means the maximum receivable amount but not yet paid that buyers are allowed to maintain. Buyer’s limits are:

1. buyer’s limits are the company rules in writing in the form of an additional terms of this insurance; or in case of no limits, will be:

2. limits in writing for the purchase by the insured for comprehensive commercial credit establishes in writing in accordance with the credit process, provided that that limit does not exceed the credit limit.

Case buyers in control of many organizations, or buyers are in control many institutions, or have many organizations under common control with buyer, the insured will set a total quota of people purchase to apply for all the units, the relevant organizations under this insurance.

E. The CURRENCY of PAYMENT UNDER a CONTRACT which means buyers are obliged to use to payments to the insured person under the provisions of the sales contract.
F. the SALES CONTRACT is the purchase agreement between the insured and comprehensive commercial credit buyers, under which buyers agree to pay in the currency of payment under a contract total value according to invoices as outlined in communication tools translate debt (such as the order or l/c) or accounting (open purchase orders in writing by buyer, invoices and invoices).

G. LIMITATION OF LIABILITY ACCORDING to the WATER means the amount specified in section 7 of the certificate of insurance and is the maximum liability of the company for any loss arising in a country.
H. DAY LOSS means the expiration time.

I. EXEMPTION LEVEL usually means the amount stated in section 8 of the insurance certificate and the total amount of the annual loss is greater than the amount of the loss is not eligible for payment which the insured comprehensive commercial credit must solely.

J. CUSTOM CREDIT LIMIT amount means the FACILITIES outlined in section 6 of the certificate of insurance and buyer’s limit is the maximum that the insured may set for a buyer without the approval of The company.

K. PAYMENT DUE DATE means the date on which the buyer must pay the insured person as specified in the sales contract.

Compulsory fire insurance Oriental medicine

No.: 130/2006/ND-CP stipulates compulsory fire insurance

This Decree regulates the regime compulsory fire insurance for the property of the base there is danger of fire or explosion; the liability of the insurer, the facility to purchase fire insurance, compulsory in the implementation modes of fire insurance, compulsory Oriental medicine

This Decree shall apply to:

1. Bodies, organizations and individuals are the basis of the danger of fires prescribed in Appendix 1 of Decree 35/2003/ND-CP dated April 4th in 2003 detailing the Government’s implementation of some articles of the law on fire and fire.
2. The insurer is allowed to fire insurance business, compulsory under the provisions of the law.

Agencies, organizations, individuals subject to compulsory fire insurance, have to buy insurance in the insurance business are business fire insurance, compulsory Oriental medicine operating in Vietnam Since fires are dangerous.

2. the State encourages the agencies, organizations and individuals not subject to compulsory fire insurance, Oriental medicine prescribed in this Decree buy fire insurance, explosion on a voluntary basis and in accordance with the legal provisions related.

The amount of fire insurance, compulsory minimum

The amount of fire insurance, compulsory minimum value calculated into money according to the market value of the property must join compulsory fire insurance, at the time of the insured. The case does not determine the market value of the property, the amount of fire insurance, compulsory by the parties to the agreement

The property must join compulsory fire insurance, including:
1. The home, buildings and equipment;
2. Machines and equipment;
3. Types of goods, supplies and other assets.

The property on the insured when the value of the property to calculate the amount and be recorded in the contract of insurance.

1. The insurer’s business is The licensing financial establishment and operations of insurance casualty.
2. The buyer’s insurance agencies, organizations and individuals to own or manage or use the basis of the danger of fire, explosion and was named in the certificate of insurance

Insurance for the construction market

The object of insurance and minimum insurance amount

1. Object of insurance for construction workers on construction sites is the responsibility of the civil construction contractor for construction workers on construction sites under the provisions of the law.

2. the minimum insurance amount in case of insurance for construction workers on construction sites is one hundred (100) million VND/person/service

insurance for the construction market

The insurer made responsible for compensation for the contractor to build the sum that the building contractor is responsible for compensation to injured workers, died due to accidents, occupational disease arises due to the implementation of the work construction market except the case not in the liability insurance

Period of insurance – insurance for the construction market

1. Period of insurance for construction workers on construction sites starting from the date the construction work on the remainder of the warranty period of works under the provisions of the law.

2. The determination of the period of insurance specific to construction workers on construction sites based on the employment contract and the confirmation text of construction contractor on the time employees working at a construction reality.

Premium and premium payment-insurance for the construction market

1. The premiums for construction workers on site are specified in annex 9 attached to this circular.

2. Based on the risk level of the subjects covered, the insurer was adjusted to increase or decrease the maximum 25% premium on the insurance premium prescribed in annex 9 attached to this circular.

3. The payment of premiums for construction workers on the implementation on the basis of the agreement between the buyer and the insurance business insurance and must be recorded in the contract of insurance. The particular case as follows:

a) case of premiums: the premium payment period not to exceed thirty (30) days from the date of the contract of insurance in force and not later than thirty (30) days from the date of start of period of insurance under the contract of insurance. Case the insurance period under thirty (30) days, the premium payment period not exceeding the period of insurance.

4. in case there is a change in the number of employees, change the job of the employee to follow the following instructions:

a) Before January 15 of the next month, there is a change, the building contractor must notify in writing to the insurer the changes stated on the enclosed list of employees arising increases or decreases (for the case of a change of of labour), list of workers change (for the case of change of work of employees).-insurance for the construction market

b) case arises to increase the number of labor, changing jobs of workers increase the risks covered, the building contractor must pay a portion of the premium increase before January 15 of the next month, announced.

c) cases arising down the amount of labor, changing jobs of workers reduces the risks covered, the insurer must pay for construction contractor premium section falling respectively with the rest of the insurance contract that the buyer has insurance excess close before June 15th of the next month, announced.
d) If the contractor construction done right obligation of notification in accordance with point a of this clause and premium payment as defined in point b of this clause, the auto insurance contracts in force with regard to the list of employees arising increase or cessation of effect for a list of employees incurred decreases; auto insurance contracts in force with regard to the change of workers since the text arising under of the insured person.

Fire insurance cars

PJICO compensate car owners the physical damage caused by: 

1.1 sudden accident, outside the control of the owner of the car, driving in the case: collision, overturn, spilling, fire, fire, explosion, other bodies acting on motor vehicles.

1.2 The unforeseen risks by nature: hurricanes, flood, flood, lightning, earthquake, hail, landslides, tsunamis … 
1.3 Take the whole car in the case: the car stolen, airport is robbed.

2 in addition to the payment of the remaining expenses PJICO necessary and reasonably incurred due to accidents in fire coverage of cars in order to:

2.1 prevents, restricts further losses, protect and bring the car to the nearest repair but must not exceed 10% of the sum insured automobile fires.
2.2 assessment of losses if the responsibility of fire insurance, automobile

In all cases the total amount of actual compensation of PJICO (including costs on) does not exceed the amount of insurance is stated on the insurance certificate of vehicle fires.

The mail claims the insurance losses ờng fire cars

In the scope of the liability insurance of vehicle fires, PJICO can choose the form of payment of the actual cost to repair, replace (if unable to repair GE reachable) Division suffered losses, or pay money for a car Owner to offset the loss on the the Department identified the ANC reachable repair costs, overcoming losses can pay.

1st Claims loss markets:

1.1. If the insured car fires, automobile insurance amount equal or above the actual value of the vehicle at the time of the insured, the mail claims the right ờng PJICO actual cost to repair, remedy the losses.

1.2. If the vehicle taking insurance with the insurance amount physical container d described below actual value at the time of the insured cars, the amount of compensation is calculated by ờng mail the actual damages multiplied by the ratio between the amount of automobile insurance and the actual value of the vehicle at the time of the insured cars.

Dozens of screaming passengers in the cars of beds on fire

Car beds runs through Phu Yen suddenly intense burning, causing nearly 20 passengers panic door escape.

Mr. Pham (age 44, home to Quang Nam) drive the cars on sleepers 1A Highway, the North-South direction. When approaching An charge station (district of Tuy an district) about 100 m, Max 3/9, the car caught fire from the rear.

Nearly 20 passengers on the bus to panic, screaming. The driver stopped the car in a hurry, with people tossing out doors. Many people grab fire extinguishers put out the fire but failed. In a heartbeat, the fire covered the whole car System, the driver said.

Phu Yen police truck the same thing firefighters approached, put out the fire. The fire did not cause casualties, has burned the car of beds along the passenger’s belongings. 4 bikes in auto black fire compartment, damaged.

The passengers were put on other vehicles going forward.
Screaming passengers in cars beds car cardboard container

Cars on highway runs through beds of Dong Nai province has crashed the container goes against making dozens of passengers diving nháo cried out for help.

Max 25/8, car beds charters running on Highway 1, from HO CHI MINH CITY out. When to Xuan Hoa commune, Xuan Loc district (Dong Nai), TB left, ran into a car head container car goes against.

OWL crashed two cars, is located across the road. Dozens of people on the car of beds call for rescue. People were smashing car glass, brought the victims out. In it, the driver of the car was seriously injured, guests are put away.

Compulsory fire insurance apartment

1. fire insurance business required business apartments are the Ministry of finance license the establishment and operations of insurance casualty.
2. the party buying fire insurance required apartment is bodies, organizations and individuals to own or manage or use the basis of the danger of fire, explosion and was named in the insurance certificate.

3. Fire is a chemical reaction are heat and light by the blast or any other cause.
4. Blast is the chemical reactions that cause the release of gas and energy suddenly with large volume of simultaneous sounds and physical effects to the surrounding objects but excluding:

a) covered property is destroyed or damaged by water tanks, boiler gas, tanks, machinery or equipment that the pressure inside the created entirely by the steam generated explosion (rather than due to ignite from the explosive source) if the pot and the machines and equipment that are owned or controlled by the party to buy fire insurance required apartments.

b) container, machinery or equipment or materials inside the instruments that were damaged or destroyed by the explosive material that (this exclusion does not apply in the case of fire insurance, gasoline explosion).

5. The basis of the danger of fire or explosion is the basis set forth in annex 1 of Decree 35/2003/ND-CP. 
6. The level of deduction is the amount that the buyer fire insurance required to bear in the event of compulsory fire insurance apartment.

1. the insured amount is the value the money according to the market value of the property must join the fire insurance, compulsory at the time involved the compulsory fire insurance apartment.

2. where does not determine the market value of the property, the amount of fire insurance required by the parties to the agreement. Specifically the following:

a. the case of the object property is insured, the insurance amount is calculated according to the value of the remaining value or replacement value of the new property at the time of the insured by the insurer and the insured party to the agreement.

b. the case of the object insured goods (raw materials, semi-finished products, finished products), the amount of insurance is the value calculated into money according to the declarations of the parties to buy fire insurance required apartments. 

Loss assessment
1. When the insured event occurs, the insurer or organization is authorized by the insurer will proceed with the assessment of losses to determine the cause and extent of the losses. The cost assessment of losses caused by the insurer.

2. In case the insured party and the insurer is not uniform on the cause and the extent of the losses may referendum for independent assessment. In case the parties do not settle on appraiser independence, then one of the Parties requested the Court where loss or where the buyer specified residence insurance appraiser independence. The conclusions of the independent appraiser value the mandatory for the parties.
Compensation forms
1. The buyer compulsory fire insurance and the insurer may agree a compensation in the form of the following:
a) repair of the damaged property;
b) replace the damaged property with other properties;
c) pay compensation.
2. In the case of the insurer and the insured party no agreement was in form of compensation, the compensation will be done with the money.
3. In the case compensated according to the provisions of point b and point c of paragraph 1 of this article, the insurer has the right to recover the property that was damaged after it was replaced or the whole compensation according to the market value of the property.

Fire sword Lake condo Palaza, hundreds of people fled the middle of the night

At the time of the fire service, the alarm bells of Lake Plaza doesn’t work, everyone fled out by calling each other.

Apartment fire, hundreds of people fled occurs on 14/12, in the 0h45 range residential Outdoor Sword Palaza-HA Dong (number 110 Tran Phu Street, HA Dong, Hanoi).
Over time, more people lived in the condo Lake Palaza-HA Dong Center suddenly smell the lẹt infamous rises from inside the apartment, floor 1805A 18A, then the big flame rises.

The discovery of the fire service, the people associated the term permutation evacuated each coral block, creating chaotic scenes. Some other people also hold the attitude of calm associated call to the function.

Reports, FIRE FIGHTING and public security police force Hanoi was quick to present at the scene to coordinate with the functional unit conducts fire and put the people inside the condominium to quickly move to the outside. To about half, the fire has basically been control.

Flood insurance

Flood insurance companies agree that (on the basis of the conditions set forth in the rules or additional terms or conditions is considered a prerequisite to insured flood has the right to compensation under the contract of insurance l This flood 4.10),

After The flood insurance premium installments paid first, if the assets are stated in the insurance certificate of insurance (GCNBH), a contract of insurance or any part of the property loss , destroyed or damaged by any of the risks outlined in GCNBH/

Insurance contract causes at any time during the period of insurance or in any subsequent time that the insured has filed charges at the request of the PJICO renew this insurance contract/GCNBH , then the PJICO will indemnify the insured property loss, destruction or damage according to their value at the time of the loss or, depending on your choice, PJICO can recover or replace lost property or any part of them.

the condition is
PJICO’s responsibility, in any case will not exceed:
The insurance amount corresponding to each category of asset and total return, not to exceed the total amount of insurance at the time of the loss,
The amount remaining after the insurance compensation for any property loss, destruction or damage that occurs during the insurance period unless the PJICO agreed insurance amount restored after each payment compensation.

The term damage in flood insurance rules are understood as the loss, destruction or damage of the insured property in the place stated in the certificate.
The level of the deduction is the amount that the insured person is flooding in each and every loss in each location are covered after having applied the terms of compensation in proportion (under the insurance value)
H. THUNDEROUS STORM, flood, but excluding: 
(a) damage caused by Frost, landslides, soil
(b) damage occurring to canvas umbrellas, screens, billboards, the equipment installed in the outside, fence, gateway and the estate to another,
(c) damage occurs to buildings which are in the construction, renovation or repair, unless all of the doors, the Windows, the other open box has been completed and the protection against the storm.
(d) damage caused by water or rain, except water and rain battered the works through the door and the other empty due to the direct impact of the storm,
(e) damage caused by water from the water tank, water storage appliances or plumbing under the control and ownership of the insured flood.

The record of super Typhoon Irma

In addition to the title of most powerful Atlantic Storm, super Typhoon Irma with tremendous strength also holds many other records.

Before landing in Florida, tropical storm Irma formed much of the record with unprecedented strength when leveled many islands in the Caribbean. Irma came just a week after Super Typhoon Harvey sank the city of Houston, Texas in the sea water, marking the first time the United States received two Hurricane level 4 in the same year, it was reported today.

According to researcher Phil Klotzbach at Colorado University, Typhoon Irma holds many records. The winds have speeds up to 297 km/h of Irma’s highest winds were recorded in the Atlantic Ocean, Gulf of Mexico and Caribbean Sea outside. Its winds only after Hurricane Allen in 1980, the most powerful storm in the Atlantic basin range.

Typhoon Irma also maintain strength at level 5 for three consecutive days, the longest time in the satellite era. The storm produced storm swirling energy accumulation (Accumulated Cyclone Energy) during the second powerful satellite, an important measure combines the power and time. The energy generated by large horizontal with Irma the energy of both the normal hurricane season in the Atlantic.
From about 300 km/h, wind down to 185 km/h when Irma landed on the island of Marco on Florida peninsula. However, Irma is still a dangerous hurricane. The hurricanes to deviate the route along the Florida peninsula, through Miami and Atlantic regions have populated. However, with a diameter of about 640 km, Irma remained heavily influence with the waves and wind movement has large devastating rain pelting.

“There are huge differences between the storm level 3 and level 5 when it landed,” meteorologist Ryan Maue in companies offering Analytics WeatherBell weather service said. “The island of Barbuda is one example. The island was wiped out. This is clearly not the worst scenario for the entire state of Florida. If the center of the Typhoon Irma entered Florida off 32-50 km to the East, the damage will much more heavily “.

According to Maue and Jeff Masters, Director of meteorology company Weather Underground, Cuba inspired help Florida Hurricane Irma’s power. If the storm does not move over Cuba, it could hit Florida as a hurricane 5.

Modify the insurance business law

Article 1. The scope of application of
This Decree detailing implementation of some articles of the law on amendments and supplements to some articles of the law on insurance business and amending and supplementing a number of articles of Decree No. 45/2007/ND-CP dated 27 March 2007 year of government regulation in detail the implementation of some articles of the law on insurance business (hereinafter referred to as the Decree 45/2007/ND-CP).

Article 2. Applicable objects

This Decree shall apply to the insurance operations (including operations provide insurance services and insurance brokerage services over the border in Vietnam), reinsurance business, insurance and brokerage activities operate agents the insurance.

This Decree does not apply to social insurance, health insurance, deposit insurance and other insurance types due to non-performing State business.

Chapter 2.


Article 3. The object providing and using the services of insurance, insurance brokers across the border

The object of insurance service providers, insurance brokers across the border (hereinafter called insurance services provided across borders) is business insurance, business insurance brokers based in foreign countries that Vietnam and countries has signed international treaties on trade that have agreed to offer insurance services over the border in Vietnam.

2. Object using insurance services provided across borders is an enterprise founded in Vietnam are owned by foreign investors on the 49% of the capital and foreigners working in Vietnam.

3. The services of re-insurance, marine insurance, aviation insurance, international reinsurance brokerage, consulting services, service calculations, risk assessment and compensation made according to the provisions of current legislation and information the international rate.

4. Life insurance and health insurance do not apply the rules on the provision and use of cross-border insurance services in this Decree.

Article 4. The conditions of offering cross-border insurance services

The insurer, the insurance broker business abroad provide service coverage over the border in Vietnam must meet the following conditions:
The General conditions:

a) Has a license of the State administration of foreign insurance businesses where the main headquarters for permission to perform the expected insurance services provided across the border in Vietnam and prove active legal business at least 10 in the provision of insurance services over the border in Vietnam;

b) has the text of the State administration of foreign insurance businesses where the main headquarters for permission to provide cross-border insurance services in Vietnam and confirmed not to violate the rules of the insurance operations brokerage, insurance and other legal regulations of foreign countries within 3 years continuously before providing insurance services over the border in Vietnam.
2. The conditions of financial capacity:

a) Has a minimum total assets equivalent to 2 billion u.s. dollars for foreign insurance business; a minimum of the equivalent of 100 million us dollars for business foreign insurance broker in previous financial years provide insurance services over the border in Vietnam;

b) foreign insurance business is rated BBB + by Standard Minimum & poor’s or Fitch, B ++ by A.M. Best, Baa1 by Moody’s or equivalent rating results of institutions that function, experience rated at in previous financial years provide cross-border insurance services in Vietnam;

c) business activities with interest in 3 years continuous previous financial years provide insurance services over the border in Vietnam.
3. The conditions of possibility of losses:

a) foreign insurance businesses must deposit 100 billion bank in Vietnam being licensed and operating in Vietnam and has the letter of guarantee of payment by the Bank that the payment commitment in case the responsibility of the insurance provided over the border in Vietnam exceeds required margin.

Funds can only be used to meet the commitments for the parties insured when the insurer takes foreign liquidity according to the decision of the competent State agencies where foreign businesses are located. Deposit interest rate enjoyed by agreement with the bank where the escrow. Foreign insurers are withdrawing the entire deposit upon the termination of liability for the contract to provide insurance services over the border in Vietnam;

“Pocket” of the new HEALTH INSURANCE

Have a morning visit in 2-3 where, every place is a prescription worth about 200,000; have 30% discount price clinic visit when the patient to visit a second time onwards or gifts, the shuttle organization hospital …

Vietnam BHXH leader has just raised worrying status of painting using the treatment of HEALTH INSURANCE Fund where only in the first years of the Foundation treatment of HEALTH INSURANCE has 2,152 billion overspending.
1 month visit 27 times

Causes of overspending State funds examination and treatment of HEALTH INSURANCE is terrible due to sick people are more sophisticated game of Zhao to the shaft.

One of the side points that game, said Pham Luong Son-Deputy General Director of Vietnam BHXH-said many people have HEALTH INSURANCE card has been examined many times in a day. Had someone visit 27 weekly/monthly. Have a morning visit in 2-3 where, every place is a prescription worth about 200,000 VND. With the visit several places in a day, the drug was sold to pharmacies carried the field with reviews by 1/2 still obtained no small amount, clearly has profited premeditation.


He also said there are only screening clinics for people from other places come and provide diagnostic imaging services, endoscopy of the nose throat ear-almost 90%-Wikipedia,-100% of the patients. Fish, having the police Hanoi, the total costs related to the treatment of cardiac electrical tests, endoscopy of the nose-throat-ear up to 12 billion within 3 months.

“All these figures are set out in question about HEALTH INSURANCE Fund abuse”-he said.

An expression profited again was his son mentioned, that is the commercialization process of examination and treatment and to medical examination and treatment; creating increased treatment needs “virtual” in the form of gifts, promotions … A number of hospitals (BV) private elections people about communes and villages, affiliated with the society (the women veterans, …) to campaign, inviting people to visit; used cars shuttle riders examination and treatment. In many clinics, when sick people to visit will be the gift, anyone hungry had bread, lemon juice …

“The law does not prohibit but logic throughout it’s abuse of HEALTH INSURANCE Fund. People see the benefit will visit although no disease. Some clinics have promotion discount up to 30% of the visit when the patient came to visit from the second onwards. There is the phenomenon of the abuse of HEALTH INSURANCE Fund to see that nothing is “-he Painted mercy far.

Recently, strong hands were right with BHXH clinic (province) as refuses to pay more than 71 billion for first 6 months because of signs of abuse of HEALTH INSURANCE Fund. “This is the lesson scene province for medical facility would also like to use the STUDENT HEALTH PLAN funds to abuse the game”-he stressed.

Mr. Le Van Phuc, Deputy Head of HEALTH INSURANCE policy inspection Board (BHXH Vietnam), said many parts of “spleen law” to abuse the funds by specifying overkill for patients initially register in another place (do not suffer from restrictions on fund managers visit the original, healing). Single, in the first quarter, at two private HOSPITALS in Nghe An province, the average cost of outpatient treatment for HEALTH INSURANCE card registered elsewhere to higher than the HEALTH INSURANCE card registration at that. While the average initial details card 434,722/weekly treatment, the other to place card is 832,268. Along that, specify outpatient MRI 2-8 times higher.

Mr. Bui Duy Thanh, head of the Quang Nam province BHXH auditing, said due to the cost of HEALTH INSURANCE in noticing the spike this province should BV has the report and we are still waiting for the official announcement of BHXH Vietnam. Earlier, delegation of Vietnam BHXH has to work with the BV of the province and to refuse payment of billions of VND for 5 BV: Vu Anh Quang Nam province, Central Quang Nam Vu Anh, Vu Anh mountains of North Vietnam Intelligent and BV, BV Yongde.

About this, he Highlighted Ten-Director of Vu Anh mountains of North Vietnam-said not yet received specific notice should not be answered. Mr. Pham Ngoc, Director of Vu Anh Quang Nam province, also said that not knowing the cause. “They just see his profile process to decide which part they paid, part No. Now, people have yet to submit resumes for yourself should know the cause why “-he Hide said.

Mr. Pham Ngoc Hoa Binh, Director of Vu Anh Minh, explained this payment was refused at BV due to some of the category has not been signed between the SOCIAL INSURANCE agency with BV. “Constant policy changes should have to do it again. There are a number of the parties themselves wrong by brothers misunderstand. For example, I was allowed to test dengue fever but want to do that, they must send a dispatch for HEALTH INSURANCE, they agree to do. The unit would not send or survived the category will not be paid, “-he said and said this is flawed about papers rather than deliberate wrong doing. BV

Mr. Tran Cong Grace, Director of Vu Anh Yongde, told primarily BV denied payment of ultrasound. He explained that the Grace