{"id":1584,"date":"2021-09-27T16:46:32","date_gmt":"2021-09-27T09:46:32","guid":{"rendered":"https:\/\/1a.xahoi.tk\/?page_id=1584"},"modified":"2021-11-08T18:01:27","modified_gmt":"2021-11-08T11:01:27","slug":"expat-employee-personal-accident-life","status":"publish","type":"page","link":"https:\/\/www.insuranceinasia.com\/businesses-employers\/expat-employee-personal-accident-life\/","title":{"rendered":"Expat Employee Personal Accident &#038; Life"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1584\" class=\"elementor elementor-1584\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4ff429a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4ff429a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-2adfc69\" data-id=\"2adfc69\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-3a5d1ad\" data-id=\"3a5d1ad\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e9b8291 elementor-widget elementor-widget-heading\" data-id=\"e9b8291\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 15-04-2024 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h1 class=\"elementor-heading-title elementor-size-default\">Employee Benefit Life and <br>Disability Cover<\/h1>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-503e9b5 elementor-widget elementor-widget-heading\" data-id=\"503e9b5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Most international employers whether by Expat HR corporate policy, local laws or voluntary protection of their expatriate families will protect life, accidental death for TPD Total Permanent Disability.<\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-top-column elementor-element elementor-element-14a4005\" data-id=\"14a4005\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ffe4bc9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ffe4bc9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b91ba2b\" data-id=\"b91ba2b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-4dc98cb elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4dc98cb\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-16cde8e\" data-id=\"16cde8e\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3209741 elementor-widget elementor-widget-image\" data-id=\"3209741\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 15-04-2024 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"516\" height=\"399\" src=\"https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/10\/Business.jpg\" class=\"attachment-full size-full wp-image-4150\" alt=\"\" srcset=\"https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/10\/Business.jpg 516w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/10\/Business-300x232.jpg 300w\" sizes=\"(max-width: 516px) 100vw, 516px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-41e3409\" data-id=\"41e3409\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-37e4f71 elementor-widget elementor-widget-heading\" data-id=\"37e4f71\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Employee benefit life, TPD disability insurance &amp; Income protection<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6faface elementor-widget elementor-widget-heading\" data-id=\"6faface\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\">As an emerging country, Vietnam is known for higher risk for life and accidental death or disability. Most companies have headquarters HR policies to protect their Expat managers and families worldwide. Sometimes they extend to income protection or keyman insurance to protect their investment or find equivalent replacement.<\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ba02f8f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ba02f8f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-f205c7a\" data-id=\"f205c7a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3dde301 elementor-widget elementor-widget-heading\" data-id=\"3dde301\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Head office company policy and legal liability purchasing life insurance or their investment with key person accident coverage<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99d76ad elementor-widget elementor-widget-heading\" data-id=\"99d76ad\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<span class=\"elementor-heading-title elementor-size-default\">Whether an MNE multinational company or a SME, the feeling for residents in Vietnam is life or personal accident protection is more in need.\nA few other sources of well-known risk: low level of medical providers, lack of constructions and infra-structure standards add to the feeling of overall heightened risk. \nAs a western standard of family protection, companies purchase more life and TPD Total permanent disability cover.<\/span>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-af66254\" data-id=\"af66254\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2aa7a99 elementor-widget elementor-widget-image\" data-id=\"2aa7a99\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/elementor\/thumbs\/Business-and-Employer-7-qbdcoz2d1wo3mvmunobx8nizpghxvdkj280jr9dc00.png\" title=\"Business-and-Employer-7\" alt=\"Business-and-Employer-7\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6d5564a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6d5564a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2064ad5\" data-id=\"2064ad5\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c944530 elementor-widget elementor-widget-heading\" data-id=\"c944530\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Life, Accident and disability insurance in Vietnam<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8cf007e elementor-widget elementor-widget-accordion\" data-id=\"8cf007e\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 15-04-2024 *\/\n.elementor-accordion{text-align:start}.elementor-accordion .elementor-accordion-item{border:1px solid #d5d8dc}.elementor-accordion .elementor-accordion-item+.elementor-accordion-item{border-top:none}.elementor-accordion .elementor-tab-title{margin:0;padding:15px 20px;font-weight:700;line-height:1;cursor:pointer;outline:none}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{display:inline-block;width:1.5em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon svg{width:1em;height:1em}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-right{float:right;text-align:right}.elementor-accordion .elementor-tab-title .elementor-accordion-icon.elementor-accordion-icon-left{float:left;text-align:left}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-closed{display:block}.elementor-accordion .elementor-tab-title .elementor-accordion-icon .elementor-accordion-icon-opened,.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-closed{display:none}.elementor-accordion .elementor-tab-title.elementor-active .elementor-accordion-icon-opened{display:block}.elementor-accordion .elementor-tab-content{display:none;padding:15px 20px;border-top:1px solid #d5d8dc}@media (max-width:767px){.elementor-accordion .elementor-tab-title{padding:12px 15px}.elementor-accordion .elementor-tab-title .elementor-accordion-icon{width:1.2em}.elementor-accordion .elementor-tab-content{padding:7px 15px}}.e-con-inner>.elementor-widget-accordion,.e-con>.elementor-widget-accordion{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1471\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1471\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Extension to capital protection key person income or early death<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1471\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1471\"><p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">When it comes to business run by 1 or 2 founders; family members, bank loans or capital investment partners need protection, collateral or guarantees. Key person life and disability insurance pays a lump sum capital repayment to a list of nominated beneficiaries in case of an early death.<\/span><\/span><\/p>\n<p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">As in many developing countries, the value of the continuation of business often rests on the shoulders of 1 or 2 key person. Those \u2018assets\u2019 and \u2018income generating\u2019 persons need to be insured against death or disability so the capital invested, loaned or the family of the bread-winner are protected.<\/span><\/span><\/p>\n<div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1472\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1472\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">How to protect Key person life and disability insurance\u200b<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1472\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1472\"><p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">It is a simple life insurance, but the tricky part for insurance advisors is the value at risk calculation. When you invested -say USD5,000,000- in a business\/ factory, spent 3 years building it and in the 5th year profits are starting growing fast: some assets are tangible others are goodwill.&nbsp;<\/span><\/span><\/p>\n<p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">What are the values at risk, the brand value and physical assets to protect, the income generated. Auditors and accountants can easily value a company.<\/span><\/span><\/p>\n<p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">The loan value and physical assets value at risk are easy.&nbsp;<\/span><\/span><\/p>\n<p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">More arguments arise when it comes to valuing the amount to indemnify the family, the brand value, the potential profits for the shareholders lost (or not) in case of an early death.<\/span><\/span><\/p>\n<p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">Then comes the finding and documenting.<\/span><\/span><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1473\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1473\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Vietnamese HR managers lack the business knowledge and financial valuations world standards<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1473\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1473\"><p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">It looks like purchasing plain life insurance, but it is not.&nbsp;<\/span><\/span><\/p>\n<p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">Here are a few issues to establish at inception before the claim arise:&nbsp;<\/span><\/span><\/p>\n<p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">&#8211; Who are the beneficiaries: individuals, families, banks, investment funds, companies?<\/span><\/span><\/p>\n<p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">&#8211; The proceeds needs to be paid in which jurisdictions with what taxation?<\/span><\/span><\/p>\n<p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">&#8211; What is the currency and countries to pay the proceeds to?<\/span><\/span><\/p>\n<p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">&#8211; Is there probate needed? And what paperwork is required by the insurer?<\/span><\/span><\/p>\n<p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">What are the applicable laws for the \u2018key person\u2019 insurance taxation or currency transfer?<\/span><\/span><\/p>\n<p style=\"line-height: 20px; margin-bottom: 0em;\"><span style=\"color: #707070; font-family: Mulish;\"><span style=\"font-size: 16px;\">Definitely a domain on the edge of individual and corporate laws. In between succession, estate or corporate asset valuations accounting and taxation; untouched by Vietnam high education.<\/span><\/span><\/p>\n<div><\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a110f2a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a110f2a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-ce8ff1b\" data-id=\"ce8ff1b\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-26323c9 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"26323c9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.insuranceinasia.com\/vietnamese-employee\/\">Businesses are advised to look for Vietnamese employee insurance  <\/a><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0899a7c elementor-align-right elementor-widget__width-auto elementor-mobile-align-center elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"0899a7c\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.insuranceinasia.com\/vietnamese-employee\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Read<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-adf92f0\" data-id=\"adf92f0\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1c60957 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"1c60957\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.insuranceinasia.com\/get-a-quote\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get a quote<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9ced53c elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"9ced53c\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-8498137\" data-id=\"8498137\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1d098e0 elementor-widget elementor-widget-template\" data-id=\"1d098e0\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"210\" class=\"elementor elementor-210\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7ae4b04e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7ae4b04e\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7fc9c566\" data-id=\"7fc9c566\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6a002099 elementor-widget elementor-widget-spacer\" data-id=\"6a002099\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.21.0 - 15-04-2024 *\/\n.elementor-column .elementor-spacer-inner{height:var(--spacer-size)}.e-con{--container-widget-width:100%}.e-con-inner>.elementor-widget-spacer,.e-con>.elementor-widget-spacer{width:var(--container-widget-width,var(--spacer-size));--align-self:var(--container-widget-align-self,initial);--flex-shrink:0}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container,.e-con>.elementor-widget-spacer>.elementor-widget-container{height:100%;width:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer{height:100%}.e-con-inner>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner,.e-con>.elementor-widget-spacer>.elementor-widget-container>.elementor-spacer>.elementor-spacer-inner{height:var(--container-widget-height,var(--spacer-size))}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty,.e-con>.elementor-widget-spacer.elementor-widget-empty{position:relative;min-height:22px;min-width:22px}.e-con-inner>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon,.e-con>.elementor-widget-spacer.elementor-widget-empty .elementor-widget-empty-icon{position:absolute;top:0;bottom:0;left:0;right:0;margin:auto;padding:0;width:22px;height:22px}<\/style>\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-181ab3cc elementor-widget elementor-widget-heading\" data-id=\"181ab3cc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">insurance in Asia<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-627daef8 elementor-widget elementor-widget-heading\" data-id=\"627daef8\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<div class=\"elementor-heading-title elementor-size-default\">Not only health insurance is different but most general insurance: accident, life, home, travel, office or even car insurance will be different than your past experiences.\n<\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-60468618 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"60468618\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-5ac93c84\" data-id=\"5ac93c84\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-16adb44a elementor-widget elementor-widget-image\" data-id=\"16adb44a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.insuranceinasia.com\/how-to-select-a-reliable-insurer\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"1200\" src=\"https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-2-2.png\" class=\"attachment-full size-full wp-image-2614\" alt=\"\" srcset=\"https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-2-2.png 1200w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-2-2-300x300.png 300w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-2-2-1024x1024.png 1024w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-2-2-150x150.png 150w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-2-2-768x768.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43f83d53 elementor-widget elementor-widget-heading\" data-id=\"43f83d53\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.insuranceinasia.com\/how-to-select-a-reliable-insurer\/\">Insurance packages<\/a><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23ce703f elementor-widget elementor-widget-heading\" data-id=\"23ce703f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.insuranceinasia.com\/how-to-select-a-reliable-insurer\/\">5 professional criteria to the choosing the most reliable insurance package<\/a><\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-3b80c61a\" data-id=\"3b80c61a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-33287b89 elementor-widget elementor-widget-image\" data-id=\"33287b89\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.insuranceinasia.com\/personal-family-2\/\">\n\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1200\" height=\"1200\" src=\"https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-1-1.png\" class=\"attachment-full size-full wp-image-2612\" alt=\"\" srcset=\"https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-1-1.png 1200w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-1-1-300x300.png 300w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-1-1-1024x1024.png 1024w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-1-1-150x150.png 150w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-1-1-768x768.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-58e69fc9 elementor-widget elementor-widget-heading\" data-id=\"58e69fc9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.insuranceinasia.com\/personal-family-2\/\">Personal Insurance<\/a><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-476ccc2a elementor-widget elementor-widget-heading\" data-id=\"476ccc2a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.insuranceinasia.com\/personal-family-2\/\">For Expats who need reliable service for all their insurance needs<\/a><\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-15563267\" data-id=\"15563267\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4ccab872 elementor-widget elementor-widget-image\" data-id=\"4ccab872\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.insuranceinasia.com\/businesses-employers\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1200\" src=\"https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-19.png\" class=\"attachment-full size-full wp-image-2618\" alt=\"\" srcset=\"https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-19.png 1200w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-19-300x300.png 300w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-19-1024x1024.png 1024w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-19-150x150.png 150w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-19-768x768.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4329a58 elementor-widget elementor-widget-heading\" data-id=\"4329a58\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.insuranceinasia.com\/businesses-employers\/\">Insurance for Businesses<\/a><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d198af1 elementor-widget elementor-widget-heading\" data-id=\"5d198af1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.insuranceinasia.com\/businesses-employers\/\">For employers who need ongoing professional insurance<\/a><\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-7c22ad2d\" data-id=\"7c22ad2d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-11dd04e1 elementor-widget elementor-widget-image\" data-id=\"11dd04e1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.insuranceinasia.com\/support\/\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1200\" height=\"1200\" src=\"https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-3-1.png\" class=\"attachment-full size-full wp-image-2616\" alt=\"\" srcset=\"https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-3-1.png 1200w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-3-1-300x300.png 300w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-3-1-1024x1024.png 1024w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-3-1-150x150.png 150w, https:\/\/www.insuranceinasia.com\/wp-content\/uploads\/2021\/09\/Untitled-design-3-1-768x768.png 768w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a8a37f4 elementor-widget elementor-widget-heading\" data-id=\"3a8a37f4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.insuranceinasia.com\/support\/\">Support and Help<\/a><\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-23dddc9c elementor-widget elementor-widget-heading\" data-id=\"23dddc9c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.insuranceinasia.com\/support\/\">We support individual, families and business for all insurance related matters<\/a><\/p>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a7dffac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a7dffac\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-892b077\" data-id=\"892b077\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cac1df1 elementor-widget elementor-widget-spacer\" data-id=\"cac1df1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Employee Benefit Life and Disability Cover Most international employers whether by Expat HR corporate policy, local laws or voluntary protection of their expatriate families will protect life, accidental death for TPD Total Permanent Disability. Employee benefit life, TPD disability insurance &amp; Income protection As an emerging country, Vietnam is known for higher risk for life [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":2359,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"footnotes":""},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.10 (Yoast SEO v22.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Expat Employee Personal Accident &amp; 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