The payment comes at the right time for a family that has lost their breadwinner.
The incident occurred right on New Year's Day (January 1, 2026), leaving a large gap in the family of Mr. Vu Quang Thang (Hai Phong). As the head of the family and directly managing the construction business, Mr. Thang is the main pillar both spiritually and financially.
According to the family's sharing at the payment session, on the morning of the incident, relatives still thought Mr. Thang was just going out as usual. By noon, when they called many times but did not answer the phone, the whole family was shocked to learn that he had died of cardiovascular disease right in his personal car.
Mr. Vu Nhu Quyen, Mr. Thang's son, said that the sudden passing of Mr. Thang caused the family to fall into a precarious period, when there were still many plans ahead that had not been realized, and behind it was the responsibility of maintaining life and business. Therefore, the 1.3 billion VND payment from OPES became a "lifesaver" for both the family and the business before the upheaval.
Accordingly, Mr. Vu Quang Thang is insured in the Health Insurance program - a customer belonging to the VPBank SME segment. Although falling into a holiday, OPES's insurance benefit settlement department quickly contacted credit officers and family to guide the dossier, and at the same time coordinated with relevant parties to verify the cause of death and scope of payment. OPES immediately approved the payment of a total benefit of more than 1.3 billion VND, including funeral expenses.
According to Mr. Quyen, it is a financial buffer that appears at the right time, when they have to face the pain of losing loved ones and also bear the pressure to maintain their family's life and business. In that situation, the speed of processing dossiers and close companionship from the insurance company becomes a particularly important factor.
Insurance - a necessary financial reserve class for SMEs
The 1.3 billion VND insurance compensation from OPES coming at the right time to Mr. Thang's family shows a reality that loan insurance is no longer just a choice for individuals borrowing consumer capital, but has become a very necessary financial provision solution for business households and small and medium-sized enterprises.
With the SME customer group, borrowers are often also the ones who directly manage business operations, manage cash flow and are primarily responsible for financial obligations. When an incident occurs to the owner, the impact spreads to both the family and the business. Without a protective layer accompanying the loan, debt repayment pressure can weigh heavily on relatives right in the period when they have not yet stabilized their spirits and reorganized their work. In a volatile market, it is a cautious decision and also a way to protect those who remain.
This is also the reason why health insurance and accident insurance for business owners associated with loans are increasingly seen as part of financial risk management plans for businesses. When insurance benefits are paid in the right scope and at the right time, those who stay have more time to rearrange their lives, handle backlogs and avoid falling into the financial vortex after events.
Similarly to this case, OPES once paid more than 3 billion VND to a business owner in Quang Binh when he encountered an unfortunate accident while operating his family's wood workshop. This is truly a "rescue" for her husband and 2 children as well as more than 20 workers at the workshop.
Thanks to that, production activities are maintained, the company maintains its reputation with partners and employees ensure jobs. These cases show that when risks occur, the amount of insurance payment can become an important support, not only for the borrower's family but also affecting all those involved in the business operations of small and medium-sized enterprises.
To quickly pay customers large sums of compensation, OPES has built a digital insurance model, focusing on technology and customer experience. The digital insurance brand belonging to VPBank's ecosystem has integrated technology to shorten processing time, transparentize processes and improve customer service efficiency. This is an important factor to help resolve insurance benefits faster in times when beneficiaries need the most support.
