● The behavioral factors
● Reason for the introduction of the BHN is the incidence of serious diseases and more, the cost of treatment is quite expensive, many families broken bankrupt because relatives suffering from BHN.
● Cause BHN: due to eating habits, food safety and hygiene, but awareness of the issue of people VN again not good.
● In Vietnam, is not so concerned with the life insurance, only about 10% of the population the insured, we realize that this is a great potential market as incomes
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