Superlink & Superlink Diamond 

Superior product committed to bringing outstanding benefits

Book a Consultation arrow_forward
chevron_left
chevron_right

Benefit Overview

Item Insurance benefit description Coverage amount

Investment benefits


The investment-linked insurance solution was developed in collaboration with three renowned names in the Vietnamese financial industry: Techcombank, Manulife (Vietnam), and Techcom Capital.

 

 

Effective investment in long-term asset growth.

In the period 2018-2021, the average rate of return was 19-21% each year.

 

Flexible fund selection, free fund conversion, and fund allocation ratio change. With 9 funds, it has the most investment funds in the market.

 

 

Free account value withdrawal

 

Contract maintenance benefits


Long-term investment appreciation

Cashback of 88% on Key Product Risk Premiums at Milestones (10th year, 15th year and 20th year)

 

Regular investment appreciation

Every three years, 3% of the average base account value is deducted (from 3rd year to 18th year)

Protected benefits

Accidental death and injury

Up to 200% of the insurance premium

 

Funeral benefits

Prepayment of 10% of the insurance premium (up to VND 30 million dong) as soon as the insurance company receives the request to settle the death benefit

Actual investment rate

  • Source: Manulife
Actual investment rate in the last 5 years (2016 - 2020) of unit-linked insurance funds.
Unit-linked funds 2017   2018 2019 2020 2021 Return rate for the last 5 years.

Accumulation

14.3%

 

45.7%

-12.2%

6.7%

9.7%

71.2%

Guarantee 

36.3%

 

-9.2%

6.7%

11.7%

25.1%

84.4%

Stability 

28.2%

 

-4.4%

6.5%

13.5%

18.8%

75.9%

Balance

5.3%

 

-2.1%

5,4%

5.5%

9.9%

28.1%

Grow 

-2.1%

 

1.4%

5.0%

5.2%

4.2%

14.3%

Increase

1.2%

 

1.5%

5.1%

3.8%

2.9%

15.3%

Insurance benefit calculator

Date of birth

-
-

Gender

Sum insured from primary insurance
The amount requested by the customer for primary insurance coverage (not including supplementary products).
The amount requested by the customer for primary insurance coverage (not including supplementary products).

VND

test alt text
test icon

Things you should know

Download Product information

We understand that it is very important to understand detailed product information before deciding to participate. Therefore, Techcombank provides product introduction documents and Rules & Terms that are easy to read, easy to understand and ready to answer your questions.

 

Frequently Asked Questions

Frequently Asked Questions

What is the formula for calculating hazard insurance?

In general, the risk premium is determined by the insured amount at risk for each benefit multiplied by the risk premium rate for each benefit which the risk premium rate is the rate approved by the Ministry of Finance. This rate varies depending on many factors such as the beneficiary's current age, gender, health status, occupation, etc..

Why not refund the insurance premium but only the premium of the risk premium?

Calculating the bonus on the risk premium so that the customer is protected with a good par value, the future bonus flow will also be more positive. If the investment market is doing poorly, offsetting the risk premium will benefit customers in the event of an investment market downturn for a long time.

Can customers pay monthly fees for SuperLink and SuperLink Diamond products starting from the 2nd year?

Not applicable monthly. Apply only three periods: annual, semi-annual, and quarterly.

What is the most significant difference between SuperLink Diamond and SuperLink?

  • The multiplier range of SuperLink Diamond products is wider than SuperLink (the min level will be lower).
  • The basic premium of the SuperLink Diamond product (minimum 100 million dong/year) is higher than SuperLink's annual basic premium and the maximum premium for the first year (10 times the annual basic insurance premium).
  • The appraisal is simpler, quite similar to the appraisal of An Gia Nhu Y products (Titan 1.0). You only need to answer three health questions to be eligible to issue a contract.
View more

Do you have any questions?
Let our consultants assist you