ÁN LỆ SỐ 77/2025/AL: VỀ VIỆC VI PHẠM NGHĨA VỤ CUNG CẤP THÔNG TIN TÌNH TRẠNG BỆNH HIỂM NGHÈO CỦA BÊN

Adopted by the Council of Justices of the Supreme People’s Court on December 24, 2025 and promulgated under Decision No. 339a/QĐ-CA dated December 25, 2025 of the Chief Justice of the Supreme People’s Court.

Source of the case law:

Cassation Decision No. 37/2023/DS-GĐT dated August 24, 2023 of the Council of Justices of the Supreme People’s Court concerning the civil case “Dispute over insurance contract” between the plaintiffs, Mr. Dang Ngoc M, Ms. Tran Thi T, and Ms. Dang Ngoc Anh TI, and the defendant, Corporation V; with five persons having related rights and obligations.

Location of the Relevant Content in the Case Law:

Paragraphs 1, 2, 6, 7, 8, and 14 of the section “The Court’s Assessment.”

Summary of the Case Law:

Case law situation:

In the insurance application, the policyholder failed to disclose information regarding his/her critical illness condition, despite clearly knowing that he/she had such illness and having undergone medical examinations and treatment multiple times. During the term of the insurance contract, the policyholder died as a result of the aforementioned critical illness.

Legal solution:

In this case, the Court must determine that the policyholder violated the obligation to disclose information concerning his/her critical illness condition at the time of entering into the life insurance contract, and the insurer is not liable for insurance coverage.

Relevant legal provisions:

Point b Clause 2 Article 18 and Clause 2 Article 19 of the Law on Insurance Business 2000 (corresponding to Point a Clause 2 Article 21 and Clause 2 Article 22 of the Law on Insurance Business 2022, as amended and supplemented in 2025).

Keywords:

“Violation of the obligation to disclose information”; “Critical illness condition”; “Life insurance contract”; “Insurance liability.”

Link for reading: CASELAW No. 77/2025/AL