The journey of recovery from the brink of death: When insurance is there to accompany you

(Dan Tri) - "The doctor said he only had a 50% chance of living. At that time, I thought there was no way... Without insurance, my family would not be able to take care of him," said Pham Thi Duc, from An Giang, as she and her husband overcame the unexpected incident.

A fulcrum in the midst of events

Mrs. Duc's husband, Mr. Nguyen Van Thien, the breadwinner of the family, suddenly suffered a stroke without any warning signs. When he was taken to the hospital, the doctor diagnosed him as being in a deep coma, with a life expectancy of only 50%.

“The doctor said we needed intensive treatment, acupuncture, and physical therapy, but the costs were huge. It was so surprising, my family didn’t know where to get such a large sum of money,” Mrs. Duc recalled, her voice choking.

While almost losing hope, the family received information from Prudential life insurance company: Mr. Thien was eligible to receive nearly 2 billion VND in payment from critical illness and total permanent disability benefits, thanks to the insurance contracts that he, his wife and daughter had participated in many years ago.

“Without insurance, my family probably wouldn't be able to afford it, because the amount of money is too large,” Ms. Duc shared.

After more than 20 days in the hospital, when it seemed impossible for him to sit up, Mr. Thien began to gradually recover with physical therapy and acupuncture. With timely financial support, his family was able to pay for his treatment and focus on caring for his recovery without having to borrow or sell assets.

The miracle happened, after just over a month, Mr. Thien was able to live normally, no longer having to depend on his relatives. His voice was still weak, but his spirit and will were stronger.

“Thanks to family insurance, I was able to cover the treatment costs so he could have a chance to recover,” Ms. Duc shared.

Mr. Thien's family recalls the time of the incident, thanks to insurance that helped the family overcome the difficult period (Photo: Prudential).

Insurance - not luck, but preparation

Mr. Thien and Mrs. Duc's family participated in insurance many years ago, with the initial need to accumulate, in 2008 they started participating in 3 small insurance contracts. Gradually, the family maintained the habit of raising a piggy bank every day to pay periodic insurance premiums, proving their perseverance and financial discipline, up to now the family has nearly 20 insurance contracts of Prudential.

Mr. Thien and his wife still maintain the habit of regularly raising piggy banks to pay insurance premiums (Photo: Prudential).

In the first 6 months of the year, according to data from the Insurance Association, the total number of life insurance contracts in force reached more than 11.7 million contracts, an increase of 1.06% over the same period. This shows that customers continue to maintain contracts, believing in the protection value that insurance brings.

In addition, as of mid-July, life insurance companies paid out nearly VND29,000 billion, up 6.5% over the same period last year. This figure shows the increasingly clear role of insurance in families' financial protection plans.

The story of Mr. Thien’s family is a testament to the practical and humane value of insurance. When an incident occurs, the most valuable thing is not just money but the ability to keep the family stable, keep hope, and have enough financial resources to fight for life. Insurance cannot prevent an incident from happening, but it can help each person move forward, protecting the whole family from unforeseen risks.

Source: https://dantri.com.vn/kinh-doanh/hanh-trinh-phuc-hoi-tu-bo-vuc-sinh-tu-khi-co-bao-hiem-dong-hanh-20250811104904430.htm