Quickly resolve insurance benefits, share burdens after incidents
On April 1, 2026, OPES digital insurance in coordination with Phuong Dong Commercial Joint Stock Bank (OCB) paid insurance benefits to the family of Le Quoc Tuan (Ho Chi Minh City) who unfortunately died in a traffic accident, with an amount of up to 847.5 million VND. Previously, Mr. Tuan had a credit loan at OCB Bank and also participated in OPES's comprehensive safety insurance to protect financial obligations.
The incident occurred on December 31, 2025 in Ho Chi Minh City, Mr. Tuan had a traffic accident due to a collision with a pedestrian on the road. After being taken to Cho Ray Hospital, the patient was diagnosed with severe traumatic brain injury, cerebral hemorrhage and subdural hematoma. Despite intensive treatment, he did not survive.
Immediately after that, OPES received information about the case and implemented the process of resolving insurance benefits. In the process of handling, although there were still many difficulties in verification - because the family had not informed the local authorities, but thanks to the parallel implementation of appraisal steps and application of technology in dossier processing, the entire amount of compensation according to the insurance contract has been approved for payment, promptly sharing the financial burden of the family after losing their breadwinner.
There are times when we don't know how to start over. But thanks to the dedicated and timely support of OPES, the family is more steadfast in overcoming the upheaval," Ms. Xuan (Mr. Tuan's wife) choked up when meeting representatives of OPES and OCB at the compensation payment ceremony.
Representative of OCB Bank, Mr. Tran Thanh Toan - Director of OCB Rach Dua Transaction Office also added: "In the context of increasing and unpredictable risks and accidents, Comprehensive Safe Insurance is considered an extremely necessary contingency solution to reduce financial and mental burdens. In case of purchasing full insurance, customers can be compensated up to 100% of outstanding principal, completely eliminating financial difficulties, and preserving assets for borrowers.
Insurance - financial "shield" when risks occur
Over the past time, OPES digital insurance has quickly paid to many customers with large values. At the beginning of 2026, OPES also paid 2 billion VND to a customer's family in Nghe An participating in health insurance for the pillar, after a sudden domestic accident. Previously, OPES also paid large compensation amounts ranging from hundreds of millions to more than 3 billion VND to many customers in different localities across the country.
Large and timely expenses for families after death show the role of insurance in minimizing financial risks for borrowers and their families.
In fact, with credit loans, debt repayment obligations still exist even when borrowers have accidents or health incidents leading to injuries, loss of working capacity or death. At that time, if there is no contingency plan, the financial burden may shift to relatives in the family, causing difficulties to pile up, and extremely great mental pressure.
If there is insurance, payment benefits can be used to pay financial obligations or support living expenses, helping the family stabilize their lives after the incident. The case of paying more than 847 million VND to Mr. Tuan's family recently is a typical example of the "financial support" role of insurance products.
According to OPES, the application of technology in the rights settlement process - from receiving information, appraisal to approval - is a factor that helps improve processing speed and ensure transparency. This is also a general trend of the insurance industry as the need for financial protection is increasing.
Experts believe that in the context of people using financial leverage becoming increasingly popular, insurance is not only a supplementary product but is gradually becoming an important part of personal financial plans. The value of insurance lies not only in the amount of money paid, but also in the ability to be paid at the right time, when the family needs the most support.
