The MOF will begin its full audits under Circular 67/2023/TT‑BTC from Q4 2025. Penalties for cap breaches can reach ₫6 billion (approximately US $250,000) and may include a temporary halt on new policy sales. Our quick-scan checklist helps Vietnamese insurers confirm their capabilities to enforce the new product‑wise and aggregate caps across every channel before the audit window opens. Tick each item that is fully in place to measure your organization’s readiness on this front.
1. Product‑wise Cap Configuration (5 points)
2. Aggregate Compensation Controls (4 points)
3. Disclosure and Audit Readiness (3 points)
4. System Capability and Analytics (3 points)
Your Score
Add one point for every box ticked.
| 15 – 13 points | Audit‑ready. Maintain quarterly reviews to stay ahead. |
| 12 – 9 points | Needs optimization. Address gaps within 90 days. |
| ≤ 8 points | At risk. Immediate remediation and system upgrade required. |
Tip: Accounts scoring below 10 points typically see payback from SymbioSys DMS in under nine months.
Next steps
- Share results with your compliance and distribution leads.
- Book a 30‑minute briefing to benchmark against peers and see SymbioSys DMS in action.
- Start a 30‑day pilot on one flagship product—risk‑free and data‑driven.
Schedule your session, please reach out to us on sales@c2lbiz.com.
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