The packages are protections for Health, Incomes, and Future that designed specifically for Vietnamese families. The Family Health Protection integrates medical examination benefits within the Vinmec healthcare system valued at up to VND 32 million, financial support through the Banca Credit Card, and the Private Doctor health consultation service, which connects customers with a network of domestic and international healthcare specialists. In addition, customers are protected against 127 critical illnesses through the Critical Illness Insurance package and the universal life insurance product Techcom Life Max Vững Vàng. 

Beyond health protection, maintaining household income and safeguarding accumulated assets have become key concerns for many families, particularly as living and healthcare costs continue to rise. To address these needs, Techcom Life developed the Family Incomes Protection package, which focuses on protecting a family’s financial capacity against risks that may affect its primary breadwinner. 

The package includes the DoctorNow proactive healthcare service, allowing customers to connect with doctors via the IVIE application, receive consultations and prescriptions, and have medications delivered directly to their homes. It also features the universal life insurance product Techcom Life Max Chủ Động, which provides total protection coverage of up to 310% of the sum insured, combined with Critical Illness Insurance covering three major groups of common illnesses. The package further integrates hospitalization and surgical expense insurance, helping customers reduce financial pressure during treatment. 

In addition to insurance benefits, customers can access an interest-free installment program for up to three years through the Banca Credit Card, enabling them to better manage cash flow for healthcare needs and other family financial plans. 

Finally, the Family Future Protection package is designed for families preparing long-term education and development plans for their children. The solution combines personalized education pathways developed by Focus Education specialists, wealth accumulation planning through Techcom Life Max Vững Vàng, and a premium waiver benefit for up to five years if the insured encounters certain risks specified under the policy terms. According to Techcom Life, these benefits help strengthen and sustain financial resources dedicated to a child’s education, even when families face unexpected circumstances. 

According to McKinsey, personal financial wealth in Vietnam is growing rapidly and could reach USD 600 billion by 2027. However, the pace of wealth accumulation has not been fully matched by corresponding protection solutions. GlobalData estimates that life insurance penetration in Vietnam will account for only around 1.3% of GDP in 2025, significantly lower than many markets across the region. 

As wealth and living standards continue to improve, demand for protection solutions is also increasing. McKinsey notes that affluent consumers are increasingly seeking financial solutions linked to specific goals, such as healthcare protection, income security, and planning for their children’s future, rather than purchasing standalone products. 

As personal wealth and living standards continue to rise across Vietnam, Techcom Life expects its three solution packages to address increasingly diverse protection needs through personalized solutions tailored to different stages of life, helping families take greater control of their future. 

Source: https://vnexpress.net/bo-ba-giai-phap-bao-ve-tai-san-suc-khoe-cua-techcom-life-5083328.html