BANG MINH HOA QUYEN LI SAN PHAM BAO HIEM

AN TAM HNG THNH(2014)

QUYEN LI BAO HIEM C BAN
An Tam Hng Thnh(2014) cung cap cho khach hang s bao ve an toan tai chnh va tch luy tai chnh on nh.
Mot vai iem noi bat cua An Tam Hng Thnh(2014)
Bao ve toan dien
- Luon c bao ve ngay ca khi tam ngng ong ph bao hiem (trong khi hp ong van con hieu lc)
- c gia tang quyen li bao hiem vi cac quyen li cua san pham bo sung
Gia tang quyen li tiet kiem
- c hng lai t ket qua au t cua Quy lien ket chung
- Giup ban gia tang tai san trong ngan han cung nh dai han vi mc tang trng cam ket toi thieu la 4 % trong 5 nam au cua hp ong
- c hng khoan Thng duy tr hp ong sau moi 3 nam cua hp ong
Va linh hoat hn bao gi het
- Sau 4 nam au tien cua hp ong, co the chu ong quyet nh gia tr va thi gian ong ph
- c thay oi So tien bao hiem bat c luc nao
- c rut tien mat bat ky luc nao t Gia tr tai khoan hp ong

An Tam Hng Thnh(2014) giup quy khach lam chu cuoc song va thc hien c c m.

Ghi chu: Vui long tham khao them Quy tac va ieu khoan SP e co thong tin ay u ve cac ieu khoan va ieu kien lien quan en cac quyen li neu tren.

Ngay: 11/07/2017 10:08:46 Tai lieu ch co gia tr s dung khi co ay u so trang va cac trang co cung so bang minh hoa
Ben mua BH: HA VAN HUY So bang minh hoa: 307306-201771110846 Version: w1.7.0
TVTC: La Thanh The Ma so: 307306 Trang 1/10
 TRANG THONG TIN
THONG TIN CONG TY DAI-ICHI LIFE VIET NAM
Cong ty TNHH BAO HIEM NHAN THO DAI-ICHI VIET NAM hoat ong trong lnh vc kinh doanh cac san pham bao hiem nhan tho, kinh doanh tai bao hiem va au t von theo
Giay phep au t so 2134/GP do Bo KH-T cap ngay 12/10/1999 va Giay phep ieu chnh so 14/GPC26/KDBH do BTC cap ngay 17/01/2017; Von ieu le: 117 trieu o la
My; a ch tru s chnh tai Toa nha Dai-ichi Life, 149-151 Nguyen Van Troi, Phng 11, Quan Phu Nhuan, TP. Ho Ch Minh; ien thoai: (08) 3810 0888; Fax: (08) 3997 3000

CHI TIET VE KHACH HANG

Ho ten Gii tnh Tuoi bao hiem Nhom nghe nghiep
Ngi c bao hiem (1) HA VAN HUY Nam 28 1
Ben mua bao hiem (2) HA VAN HUY Nam 28 1
Ngi c bao hiem bo sung (3) HA MINH HOANG Nam 0 1
THONG TIN VE HP ONG BAO HIEM n v tnh: VN

So tien
Ngi Thi han
San pham Tuoi khi ket bao hiem ban Ph BH Ph BH SP Ph BH ong them Ph BH d kien
c BH hp ong
thuc H au c ban ban au Bo sung d kien(*) (*)
(nam)
An Tam Hng Thnh (2014) (1) 53 25 750.000.000 10.125.000 0 15.548.000
BH Tai Nan Toan Dien Nang Cao (1) 53 25 150.000.000 480.000
BH Cham Soc Sc Khoe(**) (1) gia han
2.981.000
hang nam
Quyen li ieu tr noi tru Cao Cap 2.981.000
BH Cham Soc Sc Khoe(**) (3) gia han
1.962.000
hang nam
Quyen li ieu tr noi tru Cao Cap 1.962.000
Nam Na nam Quy
Ph bao hiem c ban ong theo nh ky 15.548.000 7.774.000 3.887.100
(*) Ph BH d kien va Ph bao hiem ong them d kien cho nam au. Ph BH d kien va Ph bao hiem ong them cho nhng nam sau se c minh hoa
trang "Minh hoa phan bo ph bao hiem va quyen li"
(**) Thi han hp ong cua (cac) san pham nay la mot nam va co the c gia han hang nam.
Ph bao hiem cua (cac) san pham nay se thay oi hang nam theo tuoi at c cua Ngi c bao hiem. Ph the hien ay la ph nam tham gia au tien. Tham khao them
ph bao hiem cac nam gia han hp ong trang Tom tat Quyen li bao hiem. Mc ph bao hiem cua (cac) san pham nay co the thay oi sau khi c Bo Tai Chnh

Ngay: 11/07/2017 10:08:46 Tai lieu ch co gia tr s dung khi co ay u so trang va cac trang co cung so bang minh hoa
Ben mua BH: HA VAN HUY So bang minh hoa: 307306-201771110846 Version: w1.7.0
TVTC: La Thanh The Ma so: 307306 Trang 2/10
 TRANG THONG TIN
chap thuan.
THONG TIN T VAN TAI CHNH
Ho va ten: La Thanh The Ma so: 307306 Van phong cua TVTC: Tong ai Ly Nam T Liem

Ngay: 11/07/2017 10:08:46 Tai lieu ch co gia tr s dung khi co ay u so trang va cac trang co cung so bang minh hoa
Ben mua BH: HA VAN HUY So bang minh hoa: 307306-201771110846 Version: w1.7.0
TVTC: La Thanh The Ma so: 307306 Trang 3/10
 TOM TAT VE QUYEN LI BAO HIEM
Cac quyen li c ban cua San pham An Tam Hng Thnh(2014)
Quyen li bao hiem t vong khong do tai nan: la gia tr nao ln hn cua So tien bao hiem va Gia tr tai khoan hp ong.
Quyen li bao hiem t vong do tai nan trong o tuoi 5 - 65 tuoi: ben canh quyen li bao hiem t vong khong do tai nan, nhan them so tien nao nho hn cua 1 ty hoac 20% so
tien bao hiem cua san pham nay.
Quyen li bao hiem Thng tat toan bo va vnh vien trc tuoi 65: gia tr nao ln hn cua So tien bao hiem va Gia tr tai khoan hp ong.
Quyen li ao han: la Gia tr tai khoan hp ong.
Quyen li Thng duy tr hp ong: Neu Ph bao hiem c ban c ong ay u en thi iem xem xet, Thng duy tr hp ong se c t ong cong them vao Gia tr tai
khoan bang mot ty le phan tram cua tong lai a tch luy trong thi gian 36 thang lien trc thi iem xem xet tng ng va co ty le nh sau:

Nam hp ong 3 6 9 12 15 18 21
Ty le thng duy tr hp ong 15% 15% 15% 35% 35% 35% 35%
Quyen li hng lai t ket qua au t cua quy lien ket chung: Quyen li au t co the tang hoac giam. Trong moi trng hp, mc lai suat au t toi thieu cam ket la 4%/nam
trong 5 nam au, 3%/nam t nam th 6 en nam th 10 va 2%/nam trong cac nam tiep theo.

Quyen cua Ben mua bao hiem San pham An Tam Hng Thnh(2014)
Quyen rut tien mat t gia tr tai khoan hp ong
Quyen tam ng tien mat t gia tr tai khoan hp ong
Quyen tang, giam So tien bao hiem
Quyen tham gia Ph bao hiem ong them
Quyen li bao hiem cua cac san pham bo sung
San pham Bao hiem Tai nan toan dien Nang cao
- Quyen li t vong do tai nan: 100% So tien bao hiem
- Quyen li t vong do tai nan ac biet: 200% So tien bao hiem.
- Quyen li thng tat do tai nan: theo bang ty le thng tat
- Quyen li bao hiem nhan ho tr chi ph nam vien do tai nan: 100.000 ong cho moi ngay nam vien ieu tr noi tru do chan thng nh quy nh
San pham BH Cham Soc Sc Khoe
- Quyen li ieu tr noi tru: chi tra chi ph y te khi Ngi c bao hiem nam vien ieu tr noi tru tng ng theo Chng trnh bao hiem.
- Quyen li ieu tr ngoai tru (quyen li la chon them): chi tra cac chi ph y te ieu tr ngoai tru tng ng theo Chng trnh bao hiem.
- Quyen li cham soc rang (quyen li la chon them): chi tra cac chi ph ieu tr nha khoa tng ng theo Chng trnh bao hiem.
(Vui long tham khao Trang tom tat quyen li Bao hiem cham soc sc khoe)

Ghi chu: Vui long tham khao them Quy tac va ieu khoan SP e co thong tin ay u ve cac ieu khoan va ieu kien lien quan en cac quyen li neu tren.
Ngay: 11/07/2017 10:08:46 Tai lieu ch co gia tr s dung khi co ay u so trang va cac trang co cung so bang minh hoa
Ben mua BH: HA VAN HUY So bang minh hoa: 307306-201771110846 Version: w1.7.0
TVTC: La Thanh The Ma so: 307306 Trang 4/10
 TOM TAT CAC LOAI CHI PH
Chi ph ban au se c khau tr t ph bao hiem ong vao, tuy thuoc vao Nam ph bao hiem va c tnh tren ty le phan tram cua Ph bao hiem c ban va ph bao hiem
ong them theo ty le sau:

Nam ph bao hiem 1 2 3 4 5 6 7 8 9 Ke t nam th 10 tr i

Ty le % tren Ph bao hiem c ban 55% 40% 25% 20% 10% 7% 7% 5% 5% 3%
Ty le % tren Ph bao hiem ong them 9% 7% 7% 5% 5% 2% 2% 2% 2% 2%
Chi ph khai thac cua san pham bo sung se c khau tr t ph bao hiem ong vao, tuy thuoc vao nam ph bao hiem va c tnh tren ty le phan tram cua Ph bao hiem.
Ke t nam th 6 tr
Nam ph bao hiem 1 2 3 4 5 i
Ty le Chi ph khai thac SP bo sung 40% 20% 15% 15% 10% 2,5%
Rieng chi ph khai thac cua san pham bo sung BH Ho tr Chi ph cha tr Benh nan y, BH Ho tr chi ph sinh hoat, BH Cham soc sc khoe, BH Benh hiem ngheo cao cap toan
dien (neu co tham gia) se theo ty le chi ph ban au cua san pham chnh.
Chi ph bao hiem rui ro la khoan chi ph c khau tr hang thang e am bao chi tra quyen li bao hiem theo qui nh cua hp ong bao hiem.
- Mc chi ph bao hiem rui ro c tnh da tren c s rui ro t vong va Thng tat toan bo vnh vien, theo o tuoi, gii tnh, tnh trang sc khoe va nghe nghiep cua Ngi
c bao hiem. Mc chi ph bao hiem rui ro la khong am bao va co the thay oi sau khi a thong bao cho Bo Tai Chnh.
- Chi ph bao hiem rui ro thay oi theo tuoi at c cua Ngi c bao hiem va se thay oi hang nam.
- Chi ph bao hiem rui ro cua san pham An Tam Hng Thnh = Mc chi ph bao hiem rui ro * (So tien bao hiem - Gia tr tai khoan hp ong)

Chi ph quan ly hp ong:la khoan chi ph c khau tr hang thang e Dai-ichi Life Viet Nam thc hien cong viec can thiet lien quan en viec quan ly, duy tr Hp ong
bao hiem. Chi ph quan ly hp ong moi thang c xac nh theo nam dng lch tai thi iem khau tr, theo bang sau:

Nam dng lch 2014 2015 2016 2017 2018 2019 2020 T nam 2021 tr i
Chi ph quan ly hp ong 27.000 29.100 31.400 33.900 36.600 39.500 42.600 45.000
(ong/ thang)
Ph quan ly quy: la khoan tien c dung e chi tra cho cac hoat ong quan ly Quy lien ket chung. Khoan ph nay se c khau tr trc khi cong bo Lai suat au t. Ph
quan ly quy la 2% gia tr tai san au t cua quy trong nam
Chi ph cham dt hp ong trc thi han la khoan chi ph Ben mua bao hiem phai chu khi yeu cau cham dt hp ong trc thi han. Chi ph nay ch ap dung cho 9 nam
au cua hp ong bao hiem, theo t le nh sau:
Ke t nam th 10
Nam hp ong T nam th 1 en 5 6 7 8 9
tr i
Ty le chi ph 100% 80% 60% 40% 20% 0%
Chi ph cham dt hp ong trc thi han = Ty le chi ph * Trung bnh cua ph bao hiem c ban quy nam cua 12 thang lien ke trc o
Chi ph rut mot phan Gia tr tai khoan hp ong: la khoan chi ph Ben mua bao hiem phai chu khi yeu cau rut tien t Gia tr tai khoan hp ong. Ty le tnh chi ph rut mot
phan Gia tr tai khoan hp ong bang vi ty le cua Chi ph cham dt hp ong trc thi han va c tnh tren ty le % cua so tien rut so vi Gia tr tai khoan hp ong. Chi
ph nay ch ap dung cho 9 nam au cua hp ong bao hiem.

Ngay: 11/07/2017 10:08:46 Tai lieu ch co gia tr s dung khi co ay u so trang va cac trang co cung so bang minh hoa
Ben mua BH: HA VAN HUY So bang minh hoa: 307306-201771110846 Version: w1.7.0
TVTC: La Thanh The Ma so: 307306 Trang 5/10
 MINH HOA PHAN BO PH BAO HIEM VA QUYEN LI
So tien bao hiem ban au: 750.000.000 ong Ph BH c ban ban au: 15.548.000 ong Trong trng hp viec Rut tien t Gia tr tai khoan hp ong lam cho Gia
tr tai khoan hp ong sau khi rut thap hn So tien bao hiem, So tien bao
Quyen li BH t vong: la gia tr nao ln hn cua So tien bao hiem va Gia tr tai khoan hp ong. hiem se c ieu chnh giam tng ng.
n v tnh: ong

Gia tr minh hoa tai mc lai suat au t cam ket la 4%/ nam cho 5
nam au cua H, 3%/ nam t nam th 6 en nam th 10 va 2%/ Gia tr minh hoa tai mc lai suat au t khac
nam cho nhng nam con lai
Nam Tuoi Ph bao Ph BH Lai suat au t tai mc 6%/ nam Lai suat au t tai mc 8%/ nam Khoan
H cua hiem d tnh ong them Chi ph BH Ph thuan Thng Gia tr tai Gia tr hoan Thng duy Gia tr tai Gia tr hoan lai Thng duy Gia tr tai khoan Gia tr hoan lai tien rut ra
NBH rui ro SP SP Bo sung duy tr H khoan H lai (*) tr H khoan H (*) tr H H (*)
chnh
1 28 15.548.000 1.268.400 4.584.000 941.100 1.015.500 1.090.400
2 29 15.548.000 1.277.600 4.584.000 4.326.500 4.545.700 4.768.500
3 30 15.548.000 1.289.800 4.584.000 139.700 10.313.500 212.400 10.871.800 287.100 11.445.400
4 31 15.774.000 1.314.200 4.773.600 17.119.400 1.345.400 18.101.200 2.327.200 19.122.100 3.348.100
5 32 15.774.000 1.349.500 4.773.600 25.762.000 9.988.000 27.360.500 11.586.500 29.040.900 13.266.900
6 33 15.774.000 1.389.400 4.773.600 448.600 35.304.200 22.685.000 784.300 38.444.700 25.825.500 1.085.500 41.334.800 28.715.600
7 34 15.774.000 1.440.900 4.773.600 44.631.600 35.167.200 49.360.500 39.896.100 53.480.200 44.015.800
8 35 15.774.000 1.504.200 4.773.600 54.489.800 48.180.200 61.194.400 54.884.800 66.869.700 60.560.100
9 36 16.026.000 1.584.700 4.984.800 756.900 65.350.700 62.145.500 1.645.600 75.342.800 72.137.600 2.346.900 83.642.600 80.437.400
10 37 16.026.000 1.672.800 4.984.800 76.011.300 76.011.300 88.943.400 88.943.400 99.673.500 99.673.500
11 38 16.026.000 1.773.000 4.984.800 86.013.500 86.013.500 103.268.900 103.268.900 116.904.300 116.904.300
12 39 16.026.000 1.889.000 4.984.800 2.105.000 98.203.500 98.203.500 6.352.500 124.703.900 124.703.900 9.387.200 144.808.800 144.808.800
13 40 16.026.000 2.013.400 4.984.800 108.406.400 108.406.400 140.980.700 140.980.700 165.492.400 165.492.400
14 41 16.265.000 2.150.500 5.186.400 118.707.700 118.707.700 158.161.400 158.161.400 187.782.400 187.782.400
15 42 16.265.000 2.294.500 5.186.400 2.518.400 131.587.900 131.587.900 9.629.900 185.892.400 185.892.400 14.923.700 226.697.100 226.697.100
16 43 16.265.000 2.440.200 5.186.400 142.059.900 142.059.900 205.585.600 205.585.600 253.789.500 253.789.500
17 44 16.265.000 2.600.400 5.186.400 152.579.400 152.579.400 226.359.600 226.359.600 282.999.100 282.999.100
18 45 16.265.000 2.764.700 5.186.400 3.220.500 166.363.800 166.363.800 13.697.100 261.984.900 261.984.900 22.352.300 336.868.200 336.868.200
19 46 16.843.000 2.920.200 5.671.200 177.127.900 177.127.900 286.136.200 286.136.200 372.913.300 372.913.300
20 47 17.598.000 3.092.300 6.306.000 188.038.900 188.038.900 311.803.200 311.803.200 412.022.500 412.022.500
21 48 17.598.000 3.273.100 6.306.000 3.963.800 202.949.100 202.949.100 18.811.200 357.782.100 357.782.100 32.438.300 486.790.400 486.790.400
22 49 17.598.000 3.445.000 6.306.000 214.020.000 214.020.000 387.812.900 387.812.900 535.465.600 535.465.600
23 50 17.598.000 3.655.400 6.306.000 225.099.700 225.099.700 419.662.200 419.662.200 588.272.200 588.272.200
24 51 18.165.000 3.897.800 6.782.400 236.235.300 236.235.300 453.553.200 453.553.200 645.719.900 645.719.900
25 52 18.165.000 4.162.800 6.782.400 247.325.600 247.325.600 489.556.100 489.556.100 708.189.200 708.189.200
Tong ph 410.534.000
BH d tnh

Ngay: 11/07/2017 10:08:46 Tai lieu ch co gia tr s dung khi co ay u so trang va cac trang co cung so bang minh hoa
Ben mua BH: HA VAN HUY So bang minh hoa: 307306-201771110846 Version: w1.7.0
TVTC: La Thanh The Ma so: 307306 Trang 6/10
 Lu y:
So tien the hien cot "Ph Bao hiem d tnh" a bao gom Ph BH ong them
So tien the hien cot "Ph BH ong them" c tnh toan da tren gia tr minh hoa tai mc lai suat au t cam ket
Gia tr cot "Ph Bao hiem rui ro" minh hoa cho Ph BH rui ro mc lai suat au t cam ket
So tien the hien cot "Khoan tien rut ra" la so tien c gia nh la Khach hang rut ra t Gia tr tai khoan hp ong va chi ph rut mot phan Gia tr tai khoan hp ong se
c khau tr vao Gia tr tai khoan hp ong
Khoan tien rut t Gia tr tai khoan co the lam anh hng en so tien bao hiem cua san pham chnh va dan en thay oi san pham bo sung tng ng (thay oi So tien bao
hiem hoac cham dt hieu lc).
Bang minh hoa nay da tren gia nh:
- Ph bao hiem tra theo nh ky hang nam; Gia tr tai khoan hp ong thc te co the thay oi phu thuoc vao nh ky ong ph, thi iem ong ph, lai suat, v.v... e
biet thong tin chnh xac gia tr tai khoan va tnh trang cua hp ong, khach hang nen thng xuyen theo doi hp ong bao hiem cua mnh.
- Ph bao hiem c ong ay u trong thi han hp ong
- Ph bao hiem rui ro khong bao gom phan ph tang v ly do sc khoe hoac tnh chat nghe nghiep
(*) Gia tr hoan lai la so tien khach hang se nhan c neu co yeu cau cham dt hp ong bao hiem trong thi gian hp ong co hieu lc. Khach hang ch nhan gia tr hoan lai
khi hp ong co gia tr hoan lai. Gia tr hoan lai tren ay c minh hoa vao cuoi moi nam hp ong tng ng. Gia tr hoan lai se thay oi phu thuoc vao nh ky ong ph,
thi iem ong ph, lai suat thc te cua Quy Lien ket chung, Khach hang co the tham khao them thong tin ve gia tr hoan lai trong Quy tac, ieu khoan hp ong.

Ngay: 11/07/2017 10:08:46 Tai lieu ch co gia tr s dung khi co ay u so trang va cac trang co cung so bang minh hoa
Ben mua BH: HA VAN HUY So bang minh hoa: 307306-201771110846 Version: w1.7.0
TVTC: La Thanh The Ma so: 307306 Trang 7/10
 TOM TAT VE QUYEN LI BAO HIEM

n v tnh: VN
Quyen li khong am
Quyen li am bao bao Ph bao hiem nh ky nam
Nam H Tong Ph bao hiem hang Ph quan ly hp Ph bao hiem Ph thuan San Ph bao hiem phan bo Ph bao hiem san pham So tien bao hiem cua san Tong so tien bao hiem Gia tr tai khoan H tai Gia tr tai khoan H tai BH Ho tr BH Ho tr
nam ong rui ro San pham pham bo sung San pham chnh bo sung sau khi tr Chi pham chnh cua san pham bo sung mc lai suat au t am mc lai suat au t 8%/ chi ph cha BH Cham chi ph sinh
chnh ph khai thac bao nam tr Benh nan soc sc khoe hoat
y (*) (**)
1 15.548.000 423.000 1.268.400 4.584.000 4.556.300 2.512.400 750.000.000 1.410.000.000 941.100 1.090.400 4,943,000
2 15.548.000 456.600 1.277.600 4.584.000 6.075.000 3.349.800 750.000.000 1.410.000.000 4.326.500 4.768.500 4,943,000
3 15.548.000 492.600 1.289.800 4.584.000 7.593.800 4.115.300 750.000.000 1.410.000.000 10.313.500 11.445.400 4,943,000
4 15.774.000 525.600 1.314.200 4.773.600 8.100.000 4.543.200 750.000.000 1.410.000.000 17.119.400 19.122.100 5,169,000
5 15.774.000 540.000 1.349.500 4.773.600 9.112.500 5.084.100 750.000.000 1.410.000.000 25.762.000 29.040.900 5,169,000
6 15.774.000 540.000 1.389.400 4.773.600 9.416.300 5.275.200 750.000.000 1.410.000.000 35.304.200 41.334.800 5,169,000
7 15.774.000 540.000 1.440.900 4.773.600 9.416.300 5.275.200 750.000.000 1.410.000.000 44.631.600 53.480.200 5,169,000
8 15.774.000 540.000 1.504.200 4.773.600 9.618.800 5.378.600 750.000.000 1.410.000.000 54.489.800 66.869.700 5,169,000
9 16.026.000 540.000 1.584.700 4.984.800 9.618.800 5.618.000 750.000.000 1.410.000.000 65.350.700 83.642.600 5,421,000
10 16.026.000 540.000 1.672.800 4.984.800 9.821.300 5.726.400 750.000.000 1.410.000.000 76.011.300 99.673.500 5,421,000
11 16.026.000 540.000 1.773.000 4.984.800 9.821.300 5.726.400 750.000.000 1.410.000.000 86.013.500 116.904.300 5,421,000
12 16.026.000 540.000 1.889.000 4.984.800 9.821.300 5.726.400 750.000.000 1.410.000.000 98.203.500 144.808.800 5,421,000
13 16.026.000 540.000 2.013.400 4.984.800 9.821.300 5.726.400 750.000.000 1.410.000.000 108.406.400 165.492.400 5,421,000
14 16.265.000 540.000 2.150.500 5.186.400 9.821.300 5.958.200 750.000.000 1.410.000.000 118.707.700 187.782.400 5,660,000
15 16.265.000 540.000 2.294.500 5.186.400 9.821.300 5.958.200 750.000.000 1.410.000.000 131.587.900 226.697.100 5,660,000
16 16.265.000 540.000 2.440.200 5.186.400 9.821.300 5.958.200 750.000.000 1.410.000.000 142.059.900 253.789.500 5,660,000
17 16.265.000 540.000 2.600.400 5.186.400 9.821.300 5.958.200 750.000.000 1.410.000.000 152.579.400 282.999.100 5,660,000
18 16.265.000 540.000 2.764.700 5.186.400 9.821.300 5.958.200 750.000.000 1.410.000.000 166.363.800 336.868.200 5,660,000
19 16.843.000 540.000 2.920.200 5.671.200 9.821.300 6.518.900 750.000.000 1.410.000.000 177.127.900 372.913.300 6,238,000
20 17.598.000 540.000 3.092.300 6.306.000 9.821.300 7.251.200 750.000.000 1.410.000.000 188.038.900 412.022.500 6,993,000
21 17.598.000 540.000 3.273.100 6.306.000 9.821.300 7.251.200 750.000.000 1.410.000.000 202.949.100 486.790.400 6,993,000
22 17.598.000 540.000 3.445.000 6.306.000 9.821.300 7.251.200 750.000.000 1.410.000.000 214.020.000 535.465.600 6,993,000
23 17.598.000 540.000 3.655.400 6.306.000 9.821.300 7.251.200 750.000.000 1.410.000.000 225.099.700 588.272.200 6,993,000
24 18.165.000 540.000 3.897.800 6.782.400 9.821.300 7.801.200 750.000.000 1.410.000.000 236.235.300 645.719.900 7,560,000
25 18.165.000 540.000 4.162.800 6.782.400 9.821.300 7.801.200 750.000.000 1.410.000.000 247.325.600 708.189.200 7,560,000

(*) Ph bao hiem BH Ho tr chi ph cha tr Benh nan y t lan gia han hp ong th 10 tr i a c giam 10% vi gia nh ph bao hiem san pham bo sung nay a c ong ay u trong 10 nam hp ong au tien cua san pham bo sung nay.
(**) Ph BH Cham soc sc khoe bao gom ca quyen li ieu tr ngoai tru va quyen li cham soc rang (neu khach hang co chon la tham gia them). Ph nay la tong ph Cham soc sc khoe cua tat ca Ngi c bao hiem san pham bao hiem bo sung nay.

Ngay: 11/07/2017 10:08:46 Tai lieu ch co gia tr s dung khi co ay u so trang va cac trang co cung so bang minh hoa
Ben mua BH: HA VAN HUY So bang minh hoa: 307306-201771110846 Version: w1.7.0
TVTC: La Thanh The Ma so: 307306 Trang 8/10
MOT SO LU Y QUAN TRONG
Khoan khau tr hang thang bao gom Chi ph bao hiem rui ro va Chi ph quan ly hp ong.
Ben mua bao hiem phai ong ph e am bao Gia tr tai khoan hp ong luon ln hn Khoan khau tr hang thang.
Trong moi nam hp ong, tong so Ph bao hiem ong them khong c vt 5 lan Ph bao hiem c ban.
Cac gia tr trong Bang minh hoa nay la khong cam ket, ngoai tr Lai suat au t cam ket toi thieu.
Cac loai Chi ph trong hp ong bao hiem nay co the thay oi nhng khong vt qua mc quy nh toi a va phai c s chap thuan cua Bo Tai Chnh.
Viec tham gia cac san pham bao hiem bo sung se khong phai la ieu kien bat buoc e duy tr hieu lc cua hp ong bao hiem chnh va co the se anh hng en Gia tr tai
khoan hp ong cua hp ong bao hiem.
Bang minh hoa nay ch nham muc ch minh hoa va khong phai la mot phan cua hp ong bao hiem.

XAC NHAN CUA KHACH HANG

Toi ky ten di ay xac nhan:
1- Toi a oc va a c t van ay u cac noi dung chi tiet tren tat ca cac trang cua Bang minh hoa nay.
2- Toi a hieu ro rang:
Bang minh hoa nay c tnh toan da tren ieu kien Ngi c bao hiem c tham nh mc rui ro chuan. Ph bao hiem va chi ph bao hiem rui ro thc te se tuy
thuoc vao ket luan tham nh va do o co the lam thay oi cac gia tr tai khoan hp ong va gia tr hoan lai cua hp ong.
Gia tr tai khoan cua hp ong tuy thuoc vao mc lai suat au t thc te, Ph bao hiem thc ong, so tien rut ra thc te, va v vay gia tr nay co the cao hn hoac thap
hn so vi gia tr ghi bang minh hoa nay
Hp ong bao hiem nay se mat hieu lc khi Ph bao hiem khong c ong ay u va ung han trong 4 nam hp ong bao hiem au tien hoac khi Gia tr tai khoan hp
ong nho hn Khoan khau tr hang thang va Khoan n (neu co)
3- Toi a hieu ro ac iem cua san pham bao hiem trong bang minh hoa nay, cung nh quyen li va trach nhiem cua toi khi tham gia bao hiem.
4- Toi ong y tham gia San pham Bao hiem Lien ket chung va phai oc ky noi dung Qui tac ieu khoan hp ong ngay khi hp ong c phat hanh.

Ho va ten cua Ben mua bao hiem Ch ky cua Ben mua bao hiem Ngay/thang/nam

Toi, T van tai chnh ma so 307306, ky ten di ay cam ket a giai thch ay u va t van cho khach hang co ten neu tren
ve noi dung cua Bang minh hoa nay

Ho va ten cua T van tai chnh Ch ky cua T van tai chnh Ngay/thang/nam

Ngay: 11/07/2017 10:08:46 Tai lieu ch co gia tr s dung khi co ay u so trang va cac trang co cung so bang minh hoa
Ben mua BH: HA VAN HUY So bang minh hoa: 307306-201771110846 Version: w1.7.0
TVTC: La Thanh The Ma so: 307306 Trang 9/10
 TOM TAT QUYEN LI BAO HIEM CHAM SOC SC KHOE

n v tnh: VN
Chng trnh bao hiem PHO THONG AC BIET CAO CAP
Quyen li toi a cho mot Benh tat/Thng tat trong suot thi gian tham gia san pham bao hiem Cham Soc Sc Khoe 210.000.000 420.000.000 630.000.000
Khu vc ieu tr Viet Nam Viet Nam Viet Nam
Mc toi a cua cac quyen li

Chi ph phau thuat - bao gom ca anh gia tien phau va cham soc hau phau thuat bnh thng, chi ph gay me, chi toi a 25.000.000 cho moi Benh toi a 50.000.000 cho moi Benh toi a 75.000.000 cho moi Benh
ph phong mo. tat/Thng tat, moi cuoc phau tat/Thng tat, moi cuoc phau tat/Thng tat, moi cuoc phau
thuat thuat thuat
Chi ph noi tru khac - chi ph xet nghiem chan oan theo yeu cau cua Bac s, chan oan hnh anh, thuoc c ke
n, ph chuyen mon, mau va huyet tng, thue xe lan, phau thuat ngoai tru, dung cu va trang thiet b phau thuat,
bo phan gia theo tieu chuan c lap trong qua trnh phau thuat va c s chap thuan cua Dai-ichi Life Viet Nam.

ieu tr trc va sau khi nam vien (30/60) - trong vong 30 ngay trc khi nhap vien va 60 ngay sau khi xuat vien. toi a 15.000.000 cho moi Benh toi a 33.000.000 cho moi Benh toi a 60.000.000 cho moi Benh
tat/Thng tat, moi nam tat/Thng tat, moi nam tat/Thng tat, moi nam
Ph kham benh hang ngay cua Bac s, Bac s chuyen khoa
Tien phong va an uong - toi a 45 ngay cho moi Benh Tat / Thng Tat moi nam. toi a 1.500.000 moi ngay toi a 2.500.000 moi ngay toi a 3.000.000 moi ngay
Ging cho ngi than: mot ging khac trong cung phong danh cho ngi than i theo cham soc cho Ngi c toi a 500.000 moi ngay toi a 750.000 moi ngay toi a 1.000.000 moi ngay
bao hiem la tre em di 18 tuoi. Toi a 10 ngay cho moi Benh tat/Thng tat, moi nam.
Khoa cham soc ac biet - toi a 15 ngay cho moi Benh Tat / Thng Tat moi nam. toi a 2.100.000 moi ngay toi a 3.150.000 moi ngay toi a 5.250.000 moi ngay
QUYEN LI ieu dng tai nha - ngay sau khi xuat vien va c Bac s ieu tr xac nhan la can thiet ve mat y khoa, toi a 30
IEU TR ngay cho moi Benh tat, Thng tat moi nam. toi a 210.000 moi ngay toi a 315.000 moi ngay toi a 420.000 moi ngay
NOI TRU

ieu tr tai phong cap cu do tai nan - cac dch vu trong phong cap cu. toi a 2.100.000 cho moi tai nan, toi a 5.250.000 cho moi tai nan, toi a 10.500.000 cho moi tai
moi nam moi nam nan, moi nam

Chi ph xe cap cu toi a 2.100.000 cho moi Benh toi a 4.200.000 cho moi Benh 100%
tat/Thng tat, moi nam tat/Thng tat, moi nam
Cay ghep bo phan: La viec cay ghep than, tim, gan va tuy xng. Quyen li cay ghep bo phan bao gom chi ph y te
cho Ngi c bao hiem (ngi nhan bo phan) va ngi hien tang bo phan.Chi ph y te lien quan en cay ghep
bo phan cua ngi hien tang khong vt qua 50% quyen li.Quyen li nay la tong cong toi a cho viec cay ghep toi a 105.000.000 toi a 210.000.000 toi a 315.000.000
moi bo phan trong suot thi gian tham gia san pham nay. Khi chi tra quyen li nay, DLVN se khong thanh toan bat
ky quyen li nao khac trong hp ong lien quan en viec cay ghep bo phan.
ieu tr ung th - xa tr va hoa tr (bang cach truyen va tiem) cho ieu tr noi tru trong ngay hoac ngoai tru. 100% 100% 100%
ieu tr ton thng rang do tai nan- ieu tr khan cap trong vong toi a 7 ngay ke t khi xay ra tai nan gay mat toi a 2.100.000 cho moi tai nan, toi a 4.200.000 cho moi tai nan, toi a 6.300.000 cho moi tai nan,
hoac ton thng cho rang lanh manh t nhien. moi nam moi nam moi nam
Quyen li tr giup khan cap (trong pham vi Viet Nam)- Nha cung cap do DLVN ch nh se cung cap s tr giup
va t van nh: gii thieu nha cung cap dch vu y te, thu xep nhap vien, theo doi sc khoe cua NBH cung vi Bac Co Co Co
s ieu tr trong va sau thi gian nhap vien, bao lanh thanh toan cac chi ph y te phat sinh trong thi gian nam vien.
QUYEN LI BAO HIEM TUY CHON
QUYEN LI IEU TR NGOAI TRU toi a 5.000.000 moi nam toi a 10.000.000 moi nam toi a 15.000.000 moi nam
Chi ph tham kham tai cac Phong kham cua bac s, bac s chuyen khoa, chuyen gia vat ly tr lieu, chuyen gia nan t tren 210.000 en toi a t tren 315.000 en toi a t tren 525.000 en toi a
khp xng theo gii thieu cua Bac s ieu tr va cac chi ph xet nghiem, chan oan hnh anh theo chi nh cua Bac 1.000.000 moi lan tham kham 2.000.000 moi lan tham kham 4.000.000 moi lan tham kham
s va thuoc c ke toa.
Y hoc thay the toi a 1.050.000 moi nam toi a 2.100.000 moi nam toi a 3.150.000 moi nam
toi a 10.500.000 moi nam
QUYEN LI CHAM SOC RANG - chi ph ieu tr nha khoa. khong ap dung khong ap dung t tren 525.000 moi lan tham
kham
Ghi chu: Vui long tham khao them Quy tac va ieu khoan san pham e co thong tin ay u ve cac ieu khoan va ieu kien lien quan en cac quyen li neu tren.

Ngay: 11/07/2017 10:08:46 Tai lieu ch co gia tr s dung khi co ay u so trang va cac trang co cung so bang minh hoa
Ben mua BH: HA VAN HUY So bang minh hoa: 307306-201771110846 Version: w1.7.0
TVTC: La Thanh The Ma so: 307306 Trang 10/10