Solution to ensure financial status towards critical illness.

“Happiness never appears if you stand still and wait” 

Life is a long journey with tons of plans and unpredictable incidents, in which all people have their own decisions to achieve their goals. Being more active to search for a financial protection is the best way to bring strength and confidence to move firmly on the next stage of your life without worry. 

Let Aviva – Song Chu Dong be your great companion on the journey to your future.


Solution to ensure financial status towards critical illness.

REASONS OF CHOICE

Comprehensive protection

o Provide comprehensive protection against early-stage critical illness and financial loss by covering up to 300% Sum Assured (SA).

Attractive savings

o Provide a secure financial plan with savings benefit up to 300% Sum Assured, including longevity benefit, maturity benefit, periodical cash benefit, dividend and accumulated interests.

Various options

o Many options for premium payment term with the long insurance term (by the end of age 99) 

General information

vpn_key Age at entry   1 month old- 65 years old 
all_inclusive Maximum age at maturity  99 years old
description Insurance term  100 - entry age
attach_money Premium term  1 ;3 ;5 ;10 ;15 ; 20 or 30 years
low_priority Frequency of payment  Annual/ semi-annual/ quarterly/ monthly

Insurance benefits

PROTECTION BENEFITS
CATEGORY DESCRIPTION
Early stage critical illness benefit (before 75 years old) If the Insured suffers from Early stage critical illness before the age of 75, Aviva will pay:
  • 50% of Sum Assured; plus
  • Monthly allowance of 2.5% of Sum Assured in 6 months subsequently (*)
  • Early stage critical illness benefits are paid up to 02 times, total amount up to VND 01 billion (excluding monthly allowance), only 01 time per group of critical illness
Major stage critical illness benefit (before 75 years old)
  • Customer receives 100% SA (maximum 01 time, total amount does not exceed VND 4 billion)
  • The main policy’s premiums will be waived from the premium payment due date right after the date the Insured gets Major stage critical illness and Policy continues in force.
Death benefit
  • Receive up to 300% Sum Assured when Life Assured dies before 75
  • Receive up to 100% Sum Assured when Life Assured dies at age 75 or after 75
  • Death benefit will be added to the accumulated saving benefits (if any), minus indebtedness (if any) and paid protection benefits (if any).

  SAVING BENEFITS
CATEGORY DESCRIPTION
Periodical cash benefit (**)

When the policy is in force and Life Assured is under 75, 01% Sum Assured shall be payable on the second policy year and every 3 years onward.

Dividend (**)

It is the share of profits declared annually based on the surplus (if any) of participating policy holder.

Longevity benefit
  • On the Anniversary when the Insured reaches 75 years old Aviva will pay 200% SA. Longevity benefit will be minus total of protection benefits paid (if any) and Indebtedness (if any)
  • This amount can be accumulated according to interest declared by Aviva (may be withdrawed partially or fully thereafter)
Maturity benefit
  • If the Insured is alive over the Maturity date, customer shall receive 100% Sum Assured.
  • Maturity benefit will be added all remaining accumulated amount (if any) of Cash benefit, Dividend and Longevity benefit minus Indebtedness (if any) and un-deducted protection benefit (if any) before the payment is made.

(*) The monthly allowance shall be terminated on the date of paying Longevity benefit. Monthly allowance will not be paid if the Insured gets Early stage critical illness belonging to Juvenile Critical Illness before age of 19 or Elderly Critical Illness at age from 50 to below 75 (as stipulated at List of covered Critical Illness).

(**) Benefits can be withdrawed or used to pay due premium; or left at Aviva to be accumulated according to interest declared by Aviva.

Benefits Illustration

Riders

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

Critical Illness Rider 2015

Critical Illness Rider 2015

Accidental Death and TPD

Accidental Death and TPD

Juvenile's Critical Illness

Juvenile's Critical Illness

Term life rider

Term life rider

Waiver of premium

Waiver of premium

Waiver of premium due to Critical Illness

Waiver of premium due to Critical Illness

Hospitalization rider

Hospitalization rider

Surgery Rider

Surgery Rider

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