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(1) As long as the investment value is sufficient to cover policy expenses.
(2) Fluctuations in investment conditions may result in a decrease in the unit value. Partial withdrawal may reduce the benefits and protections you receive.
All terms and conditions are as specified in the policy, and the underwriting is subject to the Company's rules.
Additional Coverage
Enhance your protection with health and critical illness riders, under a fixed premium throughout the contract (UDR rider), such as
- Elite Health Plus Rider Click
- D Health Plus Rider Click
- D Kids Plus Rider Click
- Smart Health Rider (UDR) Click
- Extra Care Plus Rider, Top-Up Medical Coverage on Existing Welfare Click
- Extra Care Rider Click
- Hospital and Surgical Benefit Health Rider (H&S) Click
- Health Care Plus Rider Click
- Care Plus Rider Click
- OPD Maochai Rider (UDR) Click
- CI Perfect Care Rider (UDR) Click
- C131 Rider, Coverage for 31 Critical Illnesses Click
- PA Rider (UDR) Click
- Total and Permanent Disability Rider (TPD) Click
The coverage period must not exceed the coverage period of the life insurance policy that this rider is attached to, and only as long as the investment value is sufficient to pay for the insurance of the riders.
Please study details of the coverage, exclusions and risks before making a decision to purchase insurance.
Comparison of Ordinary Life Insurance, Unit-Linked, Universal Life and Mutual Fund
| Comparison | General Life Insurance | Unit-Linked | Universal Life | Mutual Fund |
| Coverage | Fixed amount in % of the sum insured amount | Chance to receive greater coverage than the sum insured if the investment value adjusts upwards. | Chance to receive greater coverage than the sum insured if the investment value adjusts upwards. | No life coverage (only investment unit redemption value) |
| Health | Able to purchase health riders | Subject to the Company's conditions | Unable to purchase health riders | |
| Benefits to the Heirs | Directly payable to the heirs (named beneficiaries) | Must establish an inheritance fund/ administrator of an estate, or proceed through the court which can be complicated and time-consuming. | ||
| Investment Policy | Investment by the Company | Investment by the customer | Investment by the Company | Investment by the customer |
| Return/Risk | • Certain but low | • Uncertain but with the possibility of higher/lower returns • Medium to high risk (depends on the selected fund) | • Guaranteed minimum returns and potential for higher returns. • Low risk | • Uncertain but with the possibility of higher/lower returns • Medium to high risk (depends on the selected fund) |
| Tax Benefits • Personal Income Tax | Premium of the base policy + premium of health riders | Only the premium portion for expenses (cost of insurance + fees), excluding the investment portion | Premium | Based on the criteria of the funds (only RMF, SSF and TESG) |
| Withdrawal(Liquidity) | No Policy loan required (with interest) | Partial withdrawal available | Investment unit redemption | |
| Flexibility | - | Coverage adjustment, premium holiday and top-up premium | Fund switching | |
| Expense Disclosure | Not explicitly disclosed | Explicitly disclosed | ||
| Suitable for | Those who need life and health coverage without expecting investment returns | Those who are looking for convenience, an all-in-one solution for both life and health coverage, with the expectation of substantial investment returns | Those who need life and health coverage with guaranteed returns, along with the opportunity for potentially higher returns. | Those who have investment knowledge and can tolerate investment risks as well as expecting returns according to the risk acceptance level |
Remarks Tax benefits are according to the criteria specified by the Revenue Department.
Things to know about unit-linked and universal life insurance
Warning : Please study the details of coverage, conditions and risks before making a decision to purchase insurance. Past performance of the fund is not a guarantee of future results. Investors should study information about mutual funds, especially the investment policy, risks and fund performance disclosed in various sources or should request more information from an investment advisor before making investment decisions. Investors should study information about tax benefits in the investment handbook.