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sector,  non-profit  institution  sector  serving  households  by  currency  (VND,
           foreign currency), by term (short, medium and long term).


                INSURANCE
                Social  insurance  refers  a  guarantee  to  replace  or  partially  compensate

           employees'  income  when  his/her  income  is  reduced  or  lost  due  to  illness,
           maternity, work accident, occupational disease, or end of working age or death,
           on the basis of contributions to the social insurance fund.

                Compulsory social insurance refers to a type of state-run social insurance in
           which the participation of employees and employers is compulsory.
                Voluntary social insurance refers to a type of state-run social insurance of
           which a participator can join voluntarily, select suitable premium rates and modes

           of premium payment to his/her income and receive premium assistance from the
           State in order to get benefit for pension and death gratuity.

                Number of social insurance beneficiaries refers to number of persons who
           participate in and to get benefit from social insurance (it is counting the number
           of persons, regardless how many types of social insurance one person is paid).
                Health insurance is a form of a state-run compulsory insurance applying for the
           persons under Health Insurance Law to provide non-profit health care service.

                Number of health insurance beneficiaries refers to number of persons who
           participate in health insurance and get benefit from medical care and treatment (it is

           counting the number of health insurance check-ups/treatments).
                Unemployment  insurance  refers  to  a  policy  that  partly  provides
           compensation  income  for  an  employee  when  he/she  is  dismissed  in  order  to
           support  him/her  for  vocational  training,  remaining  works  or  finding  job  on
           based on his/her contributions to Unemployment Insurance Fund.

                Number  of  unemployment  insurance  beneficiaries  refers  number  of
           persons  who  paid  unemployment  insurance  premium,  benefitting  from
           unemployment  insurance  when  being  out  of  work  (be  unemployed)  (it  is

           calculated as number of unemployment insurance beneficiaries).





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