Joint Circular No. 35/TT/LB guiding the organization of agricultural tax collection in kind and comprehensive insurance for students and pupils.

CIRCULAR
JOINT MINISTRY OF FINANCE-EDUCATION AND TRAINING DECREE NO. 35 TT/LB ON APRIL 25, 1995
GUIDELINES ON COMPREHENSIVE STUDENT INSURANCE FOR STUDENTS AND COLLEGE STUDENTS

During the implementation of the student accident insurance system according to Decision No. 115/HĐBT dated September 29, 1986 of the Council of Ministers, units under the Ministry of Education and Training and the Ministry of Finance have closely cooperated and achieved good results. Through the payment of insurance, financial consequences caused by unexpected accidents for students and college students were promptly compensated, thereby helping students and college students and their families to quickly overcome the consequences of accidents, creating conditions for them to return to normal studies as soon as possible. However, the scope of insurance has only been limited to risks caused by unexpected accidents, not meeting the needs to contribute to comprehensive health care for students and college students as well as assistance to families in cases where their children fall ill or suffer from diseases requiring hospitalization or surgery. must be hospitalized for treatment or undergo surgery at the hospital.

To address these limitations, create conditions to strengthen health care work for students and college students, and to implement Decision No. 241/TTg dated May 24, 1993 of the Prime Minister on the collection and use of tuition fees, which allows all schools to collect student accident insurance premiums, the Joint Ministry of Finance-Education and Training guides certain contents as a basis for expanding the scope of insurance and implementing a comprehensive insurance system for students and college students as follows: regarding the physical safety of students, the Ministry of Finance and the Ministry of Education and Training shall guide certain contents to serve as a basis for expanding the scope of insurance coverage, and implement comprehensive insurance for students and vocational students as follows:

I. GENERAL PROVISIONS

1. Regarding the principle of participating in comprehensive insurance for students and college students, it is implemented on a voluntary basis. However, for the benefit of students, college students, families, schools, and society, the State encourages all students and college students currently studying in various types of educational institutions at all levels and grades from kindergarten, primary and secondary education, vocational training, intermediate or specialized, college, and university to participate in insurance.

2. All Vietnamese insurance companies are entitled to carry out comprehensive insurance business for students based on the common rules unified by the State. Insurance companies operating in the same area may negotiate with each other regarding their scope of operation to avoid unhealthy competition due to exploitation of this business, violating the State's regulations on insurance market management.

3. The comprehensive insurance system for students and college students is established by insurance companies based on the Rules on Student Accident Insurance issued together with Decision No. 256/TC/BH dated July 27, 1991, the Rules on Hospitalization Allowance and Surgery Insurance issued together with Decision No. 466/TC/BH dated July 2, 1993, and the Rules on Personal Life Insurance issued together with Decision No. 349/TC/BH dated August 10, 1992 of the Ministry of Finance.

4. Insurance premiums and insurance amounts are implemented according to general provisions and uniformly applied at one level for one school.

5. Insurance revenue is not revenue of the Education and Training sector, but is collected on behalf of insurance enterprises.

II. RESPONSIBILITIES OF INSURANCE COMPANIES AND SCHOOLS

1. Insurance companies are responsible for:

a. Promote to schools and related agencies the State's regulations on the content, scope of comprehensive insurance for students and college students, benefits of policyholders, insurance procedures, and insurance payments.

b. Provide schools with relevant legal documents and insurance rules concerning the comprehensive insurance system for students and college students.

c. Establish a wide network of agents for convenient collection and transfer of insurance premiums.

d. Pay commissions to schools or agents according to the level set by the Ministry of Finance immediately upon receipt of insurance premiums.

e. Fully and timely pay insurance benefits to students and college students when incidents within the scope of insurance liability occur.

2. Schools are responsible:

a. Cooperate with insurance companies to disseminate the comprehensive insurance system for students and college students to students, college students, and parents of students in the school, encourage students, college students, and families to participate in comprehensive student insurance. vocational students.

b. Introduce staff to act as agents for insurance companies. Agents are responsible for compiling lists of students and college students and collecting insurance premiums from them according to agreements with insurance companies.

c. Direct functional departments and agents to guide students and college students to truthfully and fully fill out the required items in the insurance claim form, sign insurance contracts, and transfer collected insurance premiums to insurance companies in accordance with regulations.

d. When students or college students of the school suffer accidents, illness, hospitalization, surgery, death... within the scope of insurance liability, urge functional departments and agents to quickly complete necessary procedures according to the company's guidelines to help students, college students, or their families receive insurance payments as soon as possible.

III. IMPLEMENTATION

1. Schools and insurance companies need to strengthen cooperation to promote among students, college students, and their families the benefits and humanitarian significance of insurance activities, moving towards building habits of participation in insurance for all citizens. It is necessary to publicly announce procedures, processes, responsibilities of insurance agencies, rights and obligations of participants in insurance. Clearly define the responsibilities of each party in providing health care and implementing the comprehensive insurance system for students and college students.

2. Insurance companies need to cooperate with the education sector and relevant sectors to effectively implement measures to prevent and limit student accidents. Annually, they should cooperate with the education sector to promptly reward schools and classes that excel in comprehensive student insurance work as well as in preventing and limiting accidents among students.

3. This Circular takes effect from the date of signature.

4. In the process of implementing this Circular, if there are difficulties, schools and insurance companies need to report to the Ministry of Finance and the Ministry of Education and Training for research and resolution.