phone1900 633 369
phone1900 633 369
Reasons of choice
Reasons of choice
General information
General information
Insurance benefits
Insurance benefits
Benefit Illustration
Benefit Illustration
Riders
Riders
You may interest
You may interest
Contact
Contact

The comprehensive plan of protection, saving and investment

If the life is considered as the journey of continuous events, each plan to be actualized is an extremely important remark for each person's life.

Each step of that journey will be accompanied with a dedicated partner with intelligent and flexible financial solutions which help you to create a solid fulcrum for important events.

Phat Loc Hung Gia is honored to be an important fulcrum, provides you peace of mind with a comprehensive plan of Protection, Saving and Investment.

The comprehensive plan of protection, saving and investment

WHY PHAT LOC HUNG GIA?

Comprehensive protection

o Reasonable premium
o High Sum Assured

Safe investment

o Enjoy the account accumulation with the interest crediting rate based on the performance of Universal Life fund

Flexible protection option

o Opt to flexibly change protection option, Sum Assured, payable premium ... to meet your needs

General information

vpn_key Age at entry   6 months - 70 years old 
all_inclusive Maximum age at maturity  80 years old
description Term and Condition For more information, please click here
description Financial plan For more information, please click here

Insurance benefits

CATAGORY DESCRIPTION
INSURANCE BENEFITS

Protection can reach the age of 80. With the same premium, the policyholder has two Protection options: Level Protection and Advanced Protection.

  • Level option: the maximum value between Sum Assured and Policy account value.
  • Advanced option: the total value of Sum Assured and Policy account value.
INCREASE COVERAGE AGAINST THE RISK OF ACCIDENT

In addition to the Death benefit, Policyholder will be paid Accidental death benefit up to 100% Sum Assured for normal accidental death and 200% Sum Assured for the accidental death of public transport.
ENJOY THE INTEREST CREDITED TO ACCOUNT VALUE IN ACCORDANCE WITH UNIVERSAL LIFE FUND'S PERFORMANCE

Benefits from the attractive interest crediting rate up to 8%.

Guaranteed interest crediting rates are 4%/year in first 5 years and 3%/year in the following years until maturity.
WITHDRAWAL FROM POLICY ACCOUNT VALUE

Be able to withdraw from Policy account value to meet spending demand at any time from the 3rd year onwards as long as the withdrawal amount does not exceed 80% surrender value.
CHANGE OF SUM ASSURED AND TOP UP PREMIUM

Depend on your financial plan.
MATURITY BENEFIT

On the maturity date, the policyholder will be paid the PAV (Policy Account Value), minus all indebtedness (if any).

Benefit Illustration

Riders

Joining various complementary products gives a comprehensive protection not only to your family, but also to other members of your family

 

Waiver of premium

Waiver of premium

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Waiver of premium

With "Waiver of premium" Rider, a dream house, an abroad tour or many other plans are within your hand.

Understanding your dreams, we will help you actualize your plans with peace of mind when your family's financial plans are secured against unexpected incidents.

Benefit of "Waiver of premium" Rider?

"Waiver of premium" Rider protects you and your family when you face unforeseen risks causing death or total permanent disability (TPD) by waiving 100% premium while still remaining all benefits. Especially, this product is applicable for risks occurring outside Vietnam.

Who can buy "Waiver of premium" Rider?

who is in the age range of 18 - 60 and will be protected until 70 years old.

Why should I buy "Waiver of premium" Rider?

The life with ups and downs can affect your dreams and crucial plans at any time. "Waiver of premium" Rider is a solution which helps you peacefully make plans though obstacles may occur.

Is the premium high?

Unremarkable.

Can I buy "Waiver of premium" Rider separately?

The same premium regardless of age, occupation with simple and convenient process.

How to pay premium?

Flexible premium payment in accordance with the main plan attached.

Where to buy?

"Waiver of premium" Rider is currently distributed at Branches and Transaction Offices of VietinBank and Agency branches of Aviva in nationwide. 

Application process

The same premium regardless of age, occupation with simple and convenient process.

Waiver of premium due to Critical Illness

Waiver of premium due to Critical Illness

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Waiver of premium due to Critical Illness

The life with unpredictable problems becomes harsh when we have to cope with critical illnesses. Financial burdens of treatment costs remain notable worry which we may not foresee.

With, we share with you the financial burden, give you and your family peace against abrupt risks.

Benefit of "Waiver of premium due to Critical Illness" Rider?

"Waiver of premium due to Critical Illness" Rider share with you the financial burden when suffering from critical illness by waiving 100% premium, yet still remain benefits fully. You are protected against 41 common critical illnesses (including Serious cancer, Heart Attack, Stroke, Kidney failure, Blindness, Late-stage lung disease…). 

Who can buy "Waiver of premium due to Critical Illness" Rider?

An individual who is in the age range of 18 - 65 and will be protected until 70 years old.

Why should I buy "Waiver of premium due to Critical Illness" Rider?

The life with full of unforeseen uncertainties as well as critical illnesses is out of anticipation of anybody. The emotional loss, especially the financial loss has left a burden on beloved ones. "Waiver of Premium Due to Critical Illness" Rider is a solution that ensures you peace of mind to actualize the unfinished plans without worries about uncertainties

Is the premium high?

Unremarkable.

Can I buy "Waiver of premium due to Critical Illness" Rider separately?

This is a rider sold as an attachment to the main plan.   

How to pay premium?

Flexible premium payment in accordance with the main plan attached.

Where to buy?

"Waiver of premium due to Critical Illness" Rider is currently distributed at Branches and Transaction Offices of VietinBank and Agency branches of Aviva in nationwide. 

Application process

 

The same premium regardless of age, occupation with simple and convenient process

Juvenile's Critical Illness Rider

Juvenile's Critical Illness Rider

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Juvenile's Critical Illness Rider

It is extremely sacred for each little baby to be born. With each parent, the risks to children's are worries that nobody wants.

Understanding this reality, we share the same concerns of parents through the Juvenile Critical Illness " Rider.

Benefit of "Juvenile Critical Illness" Rider?

"Juvenile Critical Illness" Rider supports 100% Sum Assured when the child is unfortunately diagnosed with critical illness. Children are protected from 09 current common critical illnesses, including:

- Kawasaki disease with heart complications

- Severe epilepsy and Major Cancer

- Major Organ/ Bone Marrow Transplantation

- Bacterial Meningitis

- Deafness as a result of accident

- Silence as a result of accident

- Blindness as a result of accident

Who can buy "Juvenile Critical Illness" Rider?

Individual in age range of 6 months - 17 years old and protected until 18 years old.

Why should I buy "Juvenile Critical Illness" Rider?

With each parent, risks occurring to children are unexpected anxieties, with their lovable babies.

Understanding parents' thoughtful minds, VietinAviva is always willing to accompany with them to protect children better with "Juvenile Critical Illness" Rider.

Is the premium high?

Unremarkable.

Can I buy "Juvenile Critical Illness" Rider separately?

This is a rider sold as an attachment to plan.   

How to pay premium?

Flexible premium payment in accordance with the main plan attached.

Where to buy?

"Juvenile's Critical Illness" Rider is currently distributed at Branches and Transaction Offices of VietinBank and Agency branches of Aviva in nationwide. 

Application process

The same premium regardless of age, occupation with simple and convenient process

Critical Illness Rider 2015

Critical Illness Rider 2015

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Critical Illness Rider 2015

For those who unluckily suffers from critical illness, financial burden has made many of them lose confidence in life…

In that context, we always accompany with you, help you overcome the most difficult minutes in life through "Critical Illness Rider 2015"

Benefit of "Critical Illness Rider 2015" Rider?

"Critical Illness Rider 2015" shares with you and your family the financial burdens in case of critical illness by paying 100% Sum Assured. You are protected against common diseases (including Serious cancer, Heart Attack, Stroke, Kidney failure or Liver failure). Besides, with this product, you are entitled to receive financial support in case of suffering from Critical illness by gender, Male cancer, Kidney stones for male, and Carcinoma in-situ or Cancer of the Organs, Ectopic pregnancy, Death of fetus, Death of infant for female.

Who can buy "Critical Illness Rider 2015"?

Individual who is in the age range of 18 - 60 and will be protected until 70 years old.

Why should I buy "Critical Illness Rider 2015"?

The life with full of unforeseen uncertainties as well as critical illnesses is out of anticipation of anybody. The emotional loss, especially the financial loss has left a burden on beloved ones. "Critical Illness Rider 2015" is a solution that ensures you peace of mind to actualize the unfinished plans without worries about uncertainties

Is the premium high?

Unremarkable.

Can I buy "Critical Illness Rider 2015" separately?

This is a rider sold as an attachment to main plan.   

How to pay premium?

Flexible premium payment in accordance with the main plan attached.

Where to buy?

"Critical Illness Rider 2015" is currently distributed at Branches and Transaction Offices of VietinBank and Agency branches of Aviva in nationwide 

Application process

The same premium regardless of age, occupation with simple and convenient process

Surgical Rider

Surgical Rider

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Surgical Rider

When the concern of diseases bears in your mind, you not only face with hurts caused by diseases, but also worry of treatment and surgery costs which are absolutely not minimal.

Understanding your worries, we accompany with customers who trust our services by offering "Surgery" Rider to share with you burdens of life.

Benefit of "Surgery" Rider?
- Pay 2%, 5%, 10% or 20% SA if Life Assured experiences surgery.
- Number of surgery cases to be paid is up to 23 most common cases.
- Total benefit to be paid is up to 100% SA during the time the rider is in force.
Who can buy "Surgery" Rider?
Individual aged 6 months - 70 years old and will be protected until 80 years old.
Why should I buy "Surgery" Rider?
Good health condition is the number one wish of many people. However life with many risks related to health may come to anyone at any time. "Surgery " Rider is a solution for your financial strain, sharing with you the worries in life.
Is the premium high?
Unremarkable.
Can I buy "Surgery" Rider separately?
This is a rider sold as an attachment to main plan. . 
How to pay premium?
Flexible premium payment in accordance with the main plan attached.
Where to buy?
"Surgery" Rider is currently distributed at Branches and Transaction Offices of VietinBank and Agency branches of Aviva in nationwide
Application process
The same premium regardless of age, occupation with simple and convenient process
Hospitalization Rider

Hospitalization Rider

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Hospitalization Rider

To cope with difficulties during treatment and Hospitalization, you need a secure plan to readily get over obstacles of Hospitalization cost.
Understanding your worries, we accompany with customers who trust our services by offering "Hospitalization cost support" Rider to share with you burdens of life.
Benefit of "Hospitalization" Rider?
- Pay 0,2% SA/day.
- Number of Hospitalization days will be up to 75 days per year and up to 900 days during insurance term
Who can buy "Hospitalization" Rider??
Individual aged 6 months - 70 years old and will be protected until 80 years old.
Why should I buy "Hospitalization" Rider?
Good health condition is the number one wish of many people. However, life with many risks related to health may come to anyone at any time. "Hospitalization" Rider is a solution for your financial strain, sharing with you the worries in life.
Is the premium high?
Unremarkable.
Can I buy "Hospitalization" Rider separately?
This is a rider sold as an attachment to main plan.  
How to pay premium?
Flexible premium payment in accordance with the main plan attached.
Where to buy?

"Hospitalization" Rider is currently distributed at Branches and Transaction Offices of VietinBank and Agency branches of Aviva in nationwide

Application process

The same premium regardless of age, occupation with simple and convenient process
Term lLife Rider

Term lLife Rider

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Term lLife Rider

When you are proud of your responsibility as the breadwinner, you are always aware of troubles which might come to your beloved ones in case of risks.

Understanding breadwinner's worries, we will be with you to solve financial difficulties, stabilize your life if risks occur with the "Term life" Rider. 

Benefit of "Term life" Rider?

"Term Life" Rider support 100% Sum Assured when the beneficiary is unfortunate death or permanent disability. Extended protection consists of parents and children. Including:

- Children aged from 0 to 3 years old will attain coverage of death and total permanent disability (TPD) with the respective rates of: 20%, 40%, 60% and 80% Sum Assured (SA).

-  From 4 years old, the coverage of death and TPD is 100% SA.

Who can buy "Term life" Rider?

Individual aged 6 months - 70 years old and will be protected until 80 years old.

Why should I buy "Term life" Rider?

Nobody can predict how tomorrow will be. Uncertainties and risks are always available in daily life. If we, who have high responsibilities with family, unluckily face with uncertainties, emotional loss, especially financial loss will leave a burden on our beloved ones' shoulders. "Term life" Rider is a solution for your financial difficulty and brings peace to your family in case of risks.. 

Is the premium high?

Unremarkable.

Can I buy "Term life" Rider separately?

This is a rider sold as an attachment to main plan.  

How to pay premium?

Flexible premium payment in accordance with the main plan attached.

Where to buy?

"Term life" Rider is currently distributed at Branches and Transaction Offices of VietinBank and Agency branches of Aviva in nationwide 

Application process

The same premium regardless of age, occupation with simple and convenient process.

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