9 P 15

9 P 15

Long-term protection with short-term payment

9 P 15 Long-term protection with short-term payment

9 P 15 is an optimal choice with long-term protection within short-time payment.


9 P 15

9 P 15

9 P 15 is an optimal choice with long-term protection within short-time payment.


Insurance benefits in the event of Death

In the event of Death when the policy is still in force, AIA will pay 500% of sum assured.

Maturity benefit

AIA will pay 100% of sum assured on the maturity date of the policy.

Regular income

Customer can choose to have or not to have regular income. With regular income option, if the policy is still in force and the Insured is still alive, customer will be paid 5% of the sum assured on the 3rd, 6th, 9th and 12th policy anniversary dates.

Advance payment

If the insurance policy is in force and has surrender value1, the policy owner can request a cash advance which does not exceed 80% of the surrender value.

  • Surrender value: the net value of the contract value after deducting the advance amount, reduced investment income, overdue expense and other debts.
  • Age of entry: from 18 years.
  • Age of Insured: 30 days to 60 years.
  • Policy term: 15 years.
  • Premium term: 9 years.
  • Regular premium payment period: monthly / quarterly / bi-annually / annually.

To apply now:

  • Call CitiPhone at (84 28) 3521 1111 (84 28) 3521 1111.
  • Visit our branch at 115 Nguyen Hue, Ho Chi Minh City or 40 Cat Linh Street, Cat Linh Ward, Dong Da District, Hanoi.

Terms and Conditions of 9 P 15

Terms and Conditions of Special 9 P 15

  • Go paperless, save more trees with Citibank e-Statement.

Important notice

1. The insurance products are not bank deposits or obligations of, or guaranteed by Citibank, N.A., Hanoi Branch and Citibank, N.A., Ho Chi Minh City Branch ( hereinafter called “Citibank, N.A., Vietnam”) or any of its subsidiaries, group companies or affiliates. The purchase of the product is optional. The customer has full right to choose the suitable product fitting their needs and financial situation.

2. AIA Vietnam Life Insurance Company Limited (“AIA ”) is the insurance underwriter of this insurance plan and is solely responsible for all approvals, coverage and compensations of their insurance plans. All Claims under the policy will be solely decided upon by AIA.

3. This insurance product is not insured by any government agency. All insurance companies operating in Vietnam must follow the reserve fund that is required by Vietnam Ministry of Finance in order to fulfill their obligations as per their commitment to customers via insurance contract (Article 9 – Decree 46/2007/NĐCP on Regulation on financial requirement for Insurance Companies and Insurance Agencies).

4. The above information is intended for reference only. Please refer to the Policy Contract and the website www.citibank.com.vn for detailed Terms and Conditions.

5. There are certain conditions whereby the benefits under the plan will not be payable. These are stated as exclusions in the policy contract. You are advised to read the policy contract for the full list of exclusions.

6. The Benefit Illustrations (where applicable) presented are not actual and for illustrative purposes only. The accumulated interest rates, annual dividends and maturity dividend (where applicable) are subject to certain market factors etc. Past performance / record is not necessarily indicative of future result.

7. Buying a life insurance policy is a long term commitment. An early termination of the policy might involve high costs and the surrender value may be less than the total premium paid.

8. In order to support customer in premium payment, Citibank provides the Direct Debit Authorization (DDA) service by which insurance premium will be collected and paid to AIA in accordance with the amount and frequency requested by customer.

9. Subject the specific insurance product Terms& Conditions, if you are not happy with your policy, you have the right to cancel it within the Cooling-off Period which is 21 ( twenty one) days after the AIA insurance acceptance date on the insurance certificate and date you receive the insurance certificate. AIA will refund all premiums paid after deducting health check fee and any expenses incurred for underwriting and policy issuance process, if there is any. Should you cancel the insurance policy after the Cooling-off Period, you may loose all paid premium and just receive the account value or surrender value, depend on case by case.

10. You are advised to review your financial circumstances at least once annually in order for you to review and monitor your existing financial plans and to identify new and emerging financial needs that may arise.

11. Citibank, N.A., Vietnam is not responsible or liable for any product and service offered by AIA Vietnam. AIA Vietnam is the insurance underwriter of this insurance product and is solely responsible for all insurance and compensation related matters.

12. Tax benefits, if applicable are governed by local regulations and subject to changes in the tax laws. Citibank and its employees are not in the business of providing tax advice.

13. For more details, clarification, policy servicing, claim and cancellation enquiries, please call your bank financial consultant or contact:

CitiPhone (84 28) 3521 1111


Citibank branches:

  • Ha Noi: 40 Cat Linh Street, Cat Linh Ward, Dong Da District, Hanoi.
  • Ho Chi Minh City: 115 Nguyen Hue Blvd., District 1