Ngo Van Tinh, from Nghe An, was an Eximbank loan customer who had participated in an insurance program for borrowers. In August 2025, Mr. Tinh unfortunately died in an accident while repairing a generator at home. This sudden event occurred when he was in his working age and the family's primary economic provider. Beyond the emotional loss, the family faced significant financial pressure as Mr. Tinh had a bank loan of approximately 2 billion VND.

Ms. Thin, Mr. Tinh's wife, receives 2 billion VND from OPES's breadwinner insurance. Photo: OPES

Immediately after receiving the information, OPES coordinated with Eximbank, the customer's family, and relevant agencies to guide them through the claim submission process. The entire process was digitized, from information reception and document review to appraisal and approval, ensuring transparency and reducing processing time.

Notably, while local authorities investigated the accident's cause, OPES proactively cooperated and assisted the family in collecting documents to expedite the payout process.

At the payout ceremony, Hoang Thi Thin, Ngo Van Tinh's wife, stated that the family had been in despair after the sudden tragedy. "When I received assistance with the paperwork and the payout information, I felt like I was pulled back from the brink, less afraid, and more stable to care for my children and rebuild our lives," Ms. Thin shared.

The insurance disbursement significantly eased the family's bank debt burden and provided resources to cover living expenses during a difficult period. Representing the bank, Nguyen Minh Duc, Director of Eximbank Vinh Branch, stated that the swift and transparent handling of the claim ensured the full settlement of the customer's financial obligations related to the loan.

Nguyen Minh Duc, Director of Eximbank Vinh Branch, speaks at the insurance benefit payout ceremony. Photo: OPES

The case of Ngo Van Tinh is one of many substantial compensation disbursements by OPES recently. Previously, the company disbursed 3 billion VND to a customer in Quang Tri (formerly Quang Binh) and over 1 billion VND to a customer in Phu Tho. Both were borrowers who had purchased insurance and unfortunately suffered accidents during work or daily life.

According to financial and insurance experts, with accident and health risks becoming increasingly unpredictable, insurance products for family breadwinners who are borrowers play a crucial role in supporting financial security. Many households borrow capital for production, business, or long-term expenses but lack comprehensive contingency plans for unexpected risks.

When an unforeseen event occurs, the pressure comes not only from emotional shock but also from debt obligations and living costs amid disrupted income. Therefore, borrower's insurance serves as a tool to share risks, creating a financial "cushion" to help families stabilize their lives during the transitional period after a major event.

(Source: OPES)