About us
Insurance is easy to buy, hard to claim?
In Vietnam, insurers pour most of their people into the front end of the sale: advice, price comparison, promotional offers. Once the policy is signed it goes into a drawer and stays there until something happens.
Exclusions are usually the most important part of a policy, and the least read. When a loss occurs, the buyer ends up flipping through the pages in a hurry, trying to work out whether they are covered at all.
In our experience, claims are denied mostly because the loss falls outside the covered clauses, the buyer misread the scope of the policy, disclosure was incomplete, or some other term was breached.
PinaX started with denied claims
With years in finance and insurance, from multinational groups to a large insurer in Vietnam, we understand why public trust in this industry falls short of what it should be.
The irony is that claims are denied for very basic reasons: the buyer never really understood which clauses were covered and which were excluded, or the notice was late, or a document was missing, things nobody had explained case by case. The buyer is not at fault. Neither is the insurer. What is needed is to help people see both the benefits and the limits in their policy, so they can manage the risk before an insured event happens.
PinaX helps people understand their coverage and reduces the chance of a denied claim.
What we do
Free policy check
- Upload a policy and get a summary right away
- See which clauses are covered and which are excluded
- Warnings on situations that often lead to denial
Built-in smart features
- A wallet holding all your policies in one place
- Renewal reminders 60 days ahead
- Alerts on what commonly voids your benefits
Competitive quotes
- One request goes out to every insurer
- We shortlist and recommend the best quote
- Suggested clauses to add so claims are not refused
By law you have 1 year from the insured event to file a claim (Article 30), and the insurer must pay within 15 days of receiving a complete, valid file (Article 31, Law on Insurance Business 2022). PinaX tracks both deadlines for you.
Vision
To become the most trusted insurance platform in Vietnam.
Mission
No one is denied a claim when their policy is valid.
Start with the policy you already hold
You do not need to buy anything new. Just upload your current policy and PinaX will read it and summarise what you are actually covered for.
No sign-up needed for the summary. Your data is encrypted.