Bach Loc Toan Gia Vuot Troi

Solutions to protect your health against unwanted risks
and accumulate financial integrity

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Why you should choose Bach Loc Toan Gia Vuot Troi

Prepare a strong financial foundation against unexpected risks such as death or accident

  • Choose some basic or advanced insurance plans, with a choice of Premium Protection or Priority Savings version
  • Increase the value of insurance at important milestones such as getting married, giving birth without an appraisal

Safe accumulation, flexible withdrawal

  • Safe and effective accumulation with committed interest rates throughout the contract term and attractive retention bonuses.
  • Free withdrawal anytime during the contract period

Flexibility in every life stage with flexible protection, accumulation and withdrawal plans

Benefits overview

Item Description of insurance benefits Coverage

Protection benefits

Death coverage: protection against the risk of death and accidental death

up to 200% Insurance amount


Accidental injury coverage: protection against the risks of accidents causing injury, organ damage, broken bones, serious burns

100% Insurance amount


Post-mortem benefits: 30,000,000 VND in advance when receiving a request to settle Death benefits  

Benefits of maintaining the contract

QL maintains a periodic contract: 3% every 3 years on average cost and savings, starting from the 3rd contract year to the 18th contract year



QL maintains a special contract: % refund of risk premium from year 1 to years 10, 15 and 20


Investment benefits

The profit rate of the Growth Fund in the last 5 years is 71.2% (period of 2016 - 2020)



Completely free for withdrawing account value, fund conversion fee and fee for changing fund allocation ratio



The largest number of investment funds in the market with 9 funds  

Benefits Illustration




Insurance value


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Things you should know

Download Product information

We understand that it is important to understand the details of product information before making a decision to participate. Therefore, Techcombank provides product brochures and Rules & Terms that are easy to read, understand and ready to answer your questions.


Frequently Asked Questions

How are benefits paid in case the insured person has an accident resulting in multiple injuries in many parts?

Before the insured person reaches the age of 70, Manulife pays the benefit of injury, organ damage, broken bones, serious burns caused by the insured person's accident according to the rate of payment for each type of injury. The total payment for these benefits does not exceed 100% of the total amount of the insurance.

The mandatory premium payment period of the insurance policy?

The mandatory premium payment period is the first 3 years of the policy, after that customers can flexibly pay the premium according to their identified needs, capabilities, and financial goals.

The extension period for the premium payment?

60 days from the date one of the following happens, depending on whichever occurs first:

  1. In the first 3 years of the policy: The basic premium is not paid in full on the due date for the first 3 years of the policy or the account value of the policy after debit (if any) is not enough to pay monthly deduction.
  2. From the 4th year of the policy: The account value of the policy after debit (if any) is not enough to pay monthly deduction. 
    During the extension period for the premium payment, the policy is still valid
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