“Living expenses, old age, illnesses, death” – What are you most worried about?

There is an old Vietnamese saying: “good health is more valuable than wealth”. You may feel that your health starts to deteriorate when you’re in your thirties, and various illnesses start to break out suddenly when you’re in your forties. The older you become, the greater the chance that you may be affected with one or more critical illnesses. Medical advancements have made it possible for more and more critical illnesses to be cured. However, medical expenses have gone up sharply over the years, and worse still, technical advancements, bad living habits, and increased work pressure have exposed more and more people to critical illnesses. As a result, critical illnesses continue to not only bring about physical and emotional sufferings for both the ill and their family, but also place them under dramatic financial burdens.

Put away your worries now with Dai-ichi Vietnam’s Lifetime Critical Illness Plan. All you need to do is to put away some modest amounts of money regularly and a big fund will instantly be available for your family when they need money the most. And best of all, live in peace for a lifetime.

Why Lifetime Critical Illness Plan?

Firstly, it creates an instant fund for treatment of critical illnesses. A guaranteed insured amount and accumulated dividends will be available should you be diagnosed of one of the listed 35 common critical illnesses, such as cancer, heart attack, stroke... or a terminal illness before you reach the age of 85.

Secondly, it will provide your family with a “replacement income” should you pass away before the age of 85. The guaranteed insured amount plus accumulated dividends payable may help replacing the lost income resulting from your death, thus upholding your family’s living standards.

Thirdly, a certain cash surrender value will be there for you after the insurance policy has been in force for two years and two years’ premiums have been paid should you encounter temporary financial shortage. When the cash surrender value is available, you may choose to withdraw the accumulated dividends or make a loan without affecting the insured benefits of the policy. Only in the worst case scenario should you cancel the policy to get the cash surrender value paid.

Last but not least, if you are still in good health at the age of 85, you will receive the guaranteed insured amount plus accumulated dividends. As this will often be a very big amount as compared with your total investment, this may be seen as a valuable heritage for your children and grandchildren.

Put your other worries away with extended cover

Most of our existing clients have chosen to purchase the following riders to get additional piece of mind during the premium paying term:
The Enhanced Accidental Death and Disablement benefit, which provides an extensive cover against accidental death and disability. In addition to a certain amount payable in accordance with the level of disability, you will also get a fixed allowance of VND 50,000 for each day in hospital following such an accident.
Total Permanent Disability, which pays off (or part of) your critical illness treatment fund should this misfortune strike.

Are there any other risks you want to be insured against?

Perhaps you are afraid that …	Recommended products
Your family will need to pay off a big debt should you leave them too soon, but you cannot afford to invest a lot in this savings plan.	Term Insurance
As a young lady, you may need various funds available for treatment of other critical illnesses, perhaps regular medical check-ups, coverage for pregnancy complications or congenital abnormalities at child birth.	Lady rider

The above content is intended as a general product summary for reference only. Please refer to the policy quotation for further details regarding the terms and conditions.

How long does an insurance contract last?

You will be entitled to all the basic benefits described above until you are 85 or until this insurance plan ceases its effect, whichever comes first. However your extended cover benefits will only apply during the premium paying term.

How do I choose the payment term?

You can choose any premium payment term from 5 years to a maximum of the term to age 65. After you have chosen the level of cover required, you will find that the premium will be lower each year the longer the term. However, the shorter your premium paying term, the lower your total investment. But remember any extended cover that you have chosen will only apply during the premium paying term. Therefore, many clients choose to have a premium paying term of at least 10 years or to their retirement age.

What size policies are available?

Your critical illness treatment fund or policy sum insured will need to be at least VND 25,000,000 and discounts are available for large premiums.

The following minimum premiums apply.

Monthly	VND 300,000
Quarterly	VND 450,000
Half -yearly	VND 800,000
Yearly	VND 1,500,000

Also, your savings target or sum insured will need to be at least VND 15,000,000 and discounts are available for large premiums.

Are you eligible for this insurance plan?

This plan is available to everyone up to 60 years last birthday with good health. The younger you start, the lower the premium and the more you will be able to save.

Put away your worries about “Living expenses, old age, illnesses, death” with Dai-ichi Vietnam now

• How much do you want to receive should you suffer from a critical illness?
• How much do you want your family to receive should you pass away? This should be around 48 to 60 months of your regular income for them to maintain a similar standard of living.
• What kinds of risks do you want to be protected against?
• How long do you want to be protected intensively? E.g. 10 years, at your retirement age or age 65.
• How much are you prepared to save regularly for these needs? E.g. 10% of your regular income.
• Prioritize your savings goals, and our professional Financial Consultants will help you to design the most effective plan to make them come true.

Contact information

If you would like to know more, please talk to our Consultant, or contact our nearest Sales Office.