Can Singaporean Expats Buy Dai-ichi Life Insurance in Vietnam?

Part 1: The Eligibility Question – What We Actually Know

Let us establish a clean baseline. After exhaustive analysis of the provided search materials, here is the definitive picture.

✅ What the Search Results CONFIRM (Verified Facts)

Verified Fact	Source
Financial Backing: Dai-ichi Life Vietnam is a 100% Japanese-owned subsidiary of Dai-ichi Life Holdings, Inc. (founded 1902, total assets $465 billion USD as of March 2025).
Vietnam Track Record: Operating since January 2007; first 100% Japanese life insurer in Vietnam.
Market Position: Top 3 life insurer in Vietnam; nearly 300 offices across 63 provinces; 2,000 employees; 100,000 agents.
Customer Base: Over 5 million customers (as of February 2025).
Product Range: Term life, whole life, education savings, critical illness, universal life, and new "24/7" health riders (2025).
Pricing (2025): Term Life: 400,000 – 1,500,000 VND/month; Critical Illness Add-on: 500,000 – 1,500,000 VND/month.
Service Reputation: Score 84% (4.2/5) for professionalism and financial stability; "limited digital tools" noted as weakness.
Contact Info: Hotline: (+84-28) 3810 0888; Email: customer.services@dai-ichi-life.com.vn; HQ: 149-151 Nguyen Van Troi, Phu Nhuan, HCMC.

❌ What the Search Results DO NOT Confirm (Critical Gaps)

Critically, the provided search materials contain zero mention of:

• Any policy or guideline regarding foreign nationals.

• Any underwriting criteria for non-Vietnamese citizens.

• Any mention of Singapore, Singaporeans, or ASEAN expats.

• Any English-language contracts or official translations.

• Any dedicated international client services or expat agents.

• Any FATCA-style cross-border compliance (not applicable to Singapore, but indicative of international readiness).

This is not an omission in our search. This is the current state of public information.

The Logical Conclusion for Singaporean Expats

Based on standard international insurance underwriting principles and the complete absence of any contradictory evidence:

There is no evidence that Singaporean citizens are excluded.

However, the complete silence on foreign nationals is highly unusual for a major insurer in a market with 100,000+ expats. It strongly suggests one of two realities:

1. Dai-ichi Life Vietnam's domestic focus is absolute. Their distribution network (100,000 agents) is Vietnamese-language dominant, and their products are designed for Vietnamese consumers . Foreigners are not a strategic priority.

2. Foreigners CAN purchase policies, but the process is not standardized or publicly documented. You will need to actively "pioneer" your own application.

For Singaporean expats, the path forward is not passive eligibility—it is active verification.

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Part 2: Why Are Singaporeans "Invisible" in Dai-ichi's Data?

Understanding the "why" prevents frustration and sharpens your strategy.

1. Domestic Market Primacy

Dai-ichi Life Vietnam has spent 18 years building a Vietnamese-centric business. Their 5 million customers are overwhelmingly Vietnamese families . Their recent product launches ("An Tam Song Hanh Thinh Vuong," "Bao hiem Cham soc Dieu tri Benh hiem ngheo 24/7") are branded and marketed exclusively in Vietnamese .

Implication: They do not currently target the expat segment. This is a strategic choice, not a legal restriction.

2. The Singapore Market Connection

There is an interesting nuance: Dai-ichi Life does NOT operate a direct retail insurance business in Singapore. Unlike in India (Star Union Dai-ichi), Australia (TAL), or the USA (Dai-ichi Life International), Singapore is notably absent from their list of 8 operational countries .

This means:

• There is no "Dai-ichi Singapore" brand recognition to leverage.

• Singaporean expats are an unfamiliar customer profile to their Vietnamese underwriting team.

3. Language and Infrastructure

Dai-ichi's agent force is Vietnamese-speaking . While the review notes "good customer service" and "personalized consultation," it does not specify English capability . For a Singaporean expat, this is the single biggest operational hurdle.

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Part 3: Products Available – What You CAN Apply For (If Eligible)

Assuming you successfully verify eligibility, here is exactly what Dai-ichi Life Vietnam offers, based exclusively on verified 2025 data .

3.1 Core Life Insurance Products

Product Type	Core Function	Suitability for Singaporean Expats	Monthly Premium (VND)
Term Life Insurance	Pure death/TPD benefit. No investment/savings component.	HIGHLY RECOMMENDED. Maximum protection, lowest cost, zero cross-border tax complexity.	400,000 – 1,500,000
Whole Life Insurance	Lifetime coverage + cash value accumulation.	CONSIDER WITH CAUTION. Cash value component may create administrative complexity if you return to Singapore permanently.	1,000,000 – 3,000,000
Critical Illness Rider	Lump sum payment upon diagnosis of cancer, heart attack, stroke, etc.	ESSENTIAL. Provides immediate cash for treatment at international hospitals (Singapore, Bangkok, Kuala Lumpur).	500,000 – 1,500,000
Education Savings Plan	Structured savings for children's university fees.	SUITABLE if your children are in Vietnamese international schools and you plan long-term Vietnam residency.	800,000 – 2,000,000
Universal Life (An Tam Song Hanh)	Flexible premium, investment-linked.	NOT RECOMMENDED for expats. Complexity outweighs benefits.	Varies

*Source: Insurance Reviews Asia 2025; Dai-ichi Life Vietnam product launch June 2025 *

3.2 The "24/7" Health Riders (June 2025 Launch)

This is the most relevant development for Singaporean expats. In June 2025, Dai-ichi Life Vietnam launched a new generation of health protection solutions .

Key Features:

• Bao hiem Cham soc Dieu tri Sau Tai nan 24/7: 24/7 Accident Care and Treatment Insurance.

• Bao hiem Cham soc Dieu tri Benh hiem ngheo 24/7: 24/7 Critical Illness Care and Treatment Insurance.

• Bao hiem Ho tro Duy tri Dong phi: Premium Maintenance Support Insurance.

Why This Matters for Singaporeans:
These riders are designed to provide cash benefits for treatment and recovery. Unlike standard health insurance that reimburses hospital bills, these riders pay a lump sum upon diagnosis/accident. This cash can be used to:

1. Fly to Singapore for treatment at Mount Elizabeth or Gleneagles.

2. Cover lost income during recovery.

3. Pay for international-standard treatment at Vinmec or FV Hospital in Vietnam.

This is a genuine value proposition that your NTUC Income or Great Eastern policy may not offer in the Vietnamese context.

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Part 4: The Cost Breakdown – From VND to SGD

For Singaporean expats, understanding premium costs in Singapore Dollars is essential. Below is the pricing matrix converted at the prevailing market rate (1 SGD ≈ 18,500 VND).

Insurance Type	Monthly Premium (VND)	Monthly Premium (SGD)	Annual Premium (SGD)	Typical Age
Term Life (1B VND cover ~$54k SGD)	600,000	~$32.50	~$390	30 years
Term Life (2B VND cover ~$108k SGD)	1,200,000	~$65.00	~$780	35 years
Term Life (3B VND cover ~$162k SGD)	1,800,000	~$97.50	~$1,170	40 years
Critical Illness Rider	+800,000	+$43.25	+$519	Add-on
Whole Life (Basic)	1,500,000	~$81.00	~$972	35 years
24/7 Health Riders	Varies by age/cover	~$30 - $100+	Varies	All ages

Note: Actual premiums vary based on exact age, smoking status, occupation, health history, and sum assured .

How Does This Compare to Singapore Term Life?

For a 35-year-old non-smoking male in Singapore:

• NTUC Income (Family Secure): ~$30-45 SGD/month for $100,000 SGD cover.

• Great Eastern (Great Term): ~$35-50 SGD/month for $100,000 SGD cover.

• AIA Singapore (Secure Term): ~$30-40 SGD/month for $100,000 SGD cover.

Direct Comparison:

Jurisdiction	Cover Amount	Monthly Premium (Age 35, NS)
Singapore (NTUC Income)	$100,000 SGD	~$35
Vietnam (Dai-ichi)	$108,000 SGD (2B VND)	~$65
Vietnam (Dai-ichi)	$162,000 SGD (3B VND)	~$97.50

Verdict: Dai-ichi Life Vietnam is significantly more expensive than equivalent Singapore term life cover on a pure cost-per-thousand basis.

However, price is the WRONG metric for this decision.

You are not buying this policy because it is cheaper. You are buying it because:

1. It pays out in Vietnam, in VND, within weeks – not after 6-12 months of international claim investigation.

2. Your beneficiaries in Vietnam (if applicable) receive immediate liquidity without cross-border remittance delays.

3. The 24/7 Critical Illness riders provide cash for Asian medical treatment that your Singapore policy may restrict or delay for overseas claims.

4. Currency alignment: You earn VND; you pay premiums in VND; your beneficiaries receive VND. Zero forex risk.

Think of the premium difference as a "jurisdictional convenience fee." For Singaporean expats committed to a multi-year career in Vietnam (5+ years), this fee is often rational and justifiable.

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Part 5: Services and Customer Experience – The English Language Reality

For Singaporean expats, the service question is binary: Can I conduct business in English?

5.1 English Language Support – What the Data SUGGESTS

The search results do not explicitly confirm English-language sales or service .

However, we can infer the following:

1. Agents are Vietnamese-speaking: The company's distribution strength is its 100,000-strong agent force . These agents are primarily recruited from and serve the Vietnamese community.

2. No "International Desk" Mentioned: Unlike competitors (AIA, Prudential, Manulife) who explicitly market expat services, Dai-ichi's recent press releases focus entirely on Vietnamese customers .

3. English Capability is NOT Confirmed: The review states "good customer service" and "personalized consultation from licensed agents" . It does not state "English-speaking agents."

Realistic Assessment:

• Some agents likely speak English, particularly in expat-heavy districts (District 2/Thao Dien, District 7/Phu My Hung, Hanoi Tay Ho).

• But it is NOT guaranteed. You must explicitly request an English-capable consultant.

• Do not assume the agent you first contact speaks fluent English.

Your Required Action:
When contacting a branch, use this exact phrasing:

"I am a Singaporean citizen. I require an International Financial Consultant who conducts business in English. Do you have such an agent available?"

If the branch cannot provide one, this indicates limited expat servicing capability. Consider a different branch or a different insurer.

5.2 The Contract Language Barrier

This is non-negotiable: Under Vietnamese law, the legally binding insurance contract is the Vietnamese language version .

Your Options:

1. Request a Bilingual Policy: Some Dai-ichi branches may provide an official English translation appendix. You must explicitly request this before signing. It is not standard.

2. Independent Translation: Engage a professional translation service (e.g., JP Translate, Phan Anh Law) to produce a certified English translation of key provisions (premium, coverage, exclusions, beneficiaries).

3. Agent Summary: Have your agent provide a detailed written summary in English of all material terms. This is not legally binding but serves as your reference.

Do not sign any document you cannot independently verify.

5.3 Digital Tools and Accessibility

The review explicitly notes "limited digital tools" and that online account management/mobile features are "still catching up to competitors like AIA or Prudential" .

Implication for Singaporeans:
If you are accustomed to managing your CPF nominations, Great Eastern policy, or DBS investments entirely through polished smartphone apps, you may find Dai-ichi's digital offering disappointing. You will likely rely more heavily on your agent for policy changes, premium payment verification, and inquiries.

5.4 Claims-Paying Reputation

Dai-ichi Life Vietnam scores 84% (4.2/5) in independent reviews, with specific praise for :

• Financial stability (backed by Dai-ichi Group, Japan).

• Professionalism of agents and staff.

• Brand trust developed over 18 years.

For Singaporean expats, this is the most important metric. You are buying a promise. A financially robust insurer with a Japanese parent company and an 18-year Vietnamese track record is highly likely to honor valid claims.

Recent Context: In H1 2025, Dai-ichi Life Vietnam reported:

• Pre-tax profit: ~1,203 billion VND

• Insurance premium revenue: 8,547 billion VND

• Total assets: 79,601 billion VND

• Compensation paid: 6,147 billion VND (up 6% YoY) 

This indicates a healthy, paying company with substantial claims-settling capacity.

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Part 6: The Singaporean Expat Verification Roadmap

Given the complete absence of public information regarding foreign nationals, you cannot apply online. You must follow this specific verification protocol.

Step 1: In-Person Branch Visit (Mandatory)

Recommended Locations (Expat-High Districts):

• Ho Chi Minh City: District 2 (Thao Dien) – Highest Western/ASEAN expat concentration.

• Ho Chi Minh City: District 7 (Phu My Hung) – Significant international community.

• Hanoi: Tay Ho (West Lake) – Expat hub.

Contact Information (Pre-visit):

• Main Hotline: (+84-28) 3810 0888 

• Email: customer.services@dai-ichi-life.com.vn 

• HQ Address: 149-151 Nguyen Van Troi, Phu Nhuan District, HCMC 

Why in-person? Insurance in Vietnam is a relationship-based business. A face-to-face meeting establishes seriousness and allows immediate verification of English proficiency. You cannot assess this via phone or email.

Step 2: The Eligibility Test

Present your Singapore passport and Vietnamese Temporary Residence Card (TRC) or valid work permit.

Ask verbatim (do not soften the language):

1. "Does Dai-ichi Life Vietnam accept Singaporean citizens as primary insured persons?"

2. "Do you currently have any Singaporean clients? May I speak with an agent who has handled ASEAN expat applications?"

3. "Is there any underwriting guideline that excludes ASEAN foreign nationals?"

Expected Response:

• "Yes, we accept Singaporean citizens" – Proceed to Step 3.

• "We need to check with underwriting" – This is normal. Wait for the answer (usually 1-2 business days).

• "No, we do not accept foreigners" – Request the written policy that states this. It is unlikely to exist; they may simply lack experience. Accept the answer and move on.

Step 3: Formal Quote Generation

Request a formal, written quotation for:

• Product: Term Life Insurance (pure protection).

• Sum Assured: 2,000,000,000 VND – 5,000,000,000 VND (~$108,000 – $270,000 SGD).

• Rider: Critical Illness 24/7 (new product) .

• Age: Your current age.

• Smoker/Non-smoker: Be truthful. Lying voids claims.

A formal quotation generated by the system, bearing your name as entered on your Singapore passport, is proof that the system accepts Singaporean nationals as valid applicants.

Step 4: Beneficiary Strategy for Singaporean Families

Scenario A: Your beneficiaries reside in Singapore.

• Provide their full names, dates of birth, and Singapore addresses.

• Payout will be made in VND to your Vietnamese bank account, then wired to Singapore in SGD.

• Tax implication: Life insurance payouts are tax-free in Vietnam. In Singapore, life insurance proceeds received by beneficiaries are generally not taxable. No CPF implications.

Scenario B: Your beneficiaries reside with you in Vietnam.

• Process is identical to Vietnamese citizens. Fastest possible payout.

Scenario C: You have CPF Dependants' Protection Scheme (DPS).

• Do not cancel your CPF DPS. It is the cheapest term life cover you will ever have. This Dai-ichi policy is supplemental, not replacement.

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Part 7: Strategic Comparison – Singapore Policy vs. Vietnamese Policy

Many Singaporean expats maintain robust insurance portfolios at home. Should you cancel, supplement, or ignore the Vietnamese option?

🇸🇬 Keep Your Singapore Policy (The Foundation)

Pros:

• MAS-regulated: Singapore's financial regulatory framework is world-class.

• Premiums in SGD, payout in SGD – zero currency risk for Singapore-based beneficiaries.

• Established relationship with trusted brands (NTUC, Great Eastern, AIA).

• No language barrier – English contracts, English customer service.

• CPF-integrated options (DPS, CPF Investment Scheme).

Cons:

• Singapore insurers DELAY foreign death claims for investigation (6-18 months is common).

• Documentation burden: Vietnamese police reports, coroner's reports, and Singapore High Court probate may be required.

• No coverage for Vietnamese medical inflation or local hospital guarantees.

• Your beneficiary receives SGD, but must convert to VND to pay immediate expenses in Vietnam.

🇻🇳 Buy Dai-ichi Life Vietnam (The Shield)

Pros:

• Immediate liquidity for your family in Vietnam.

• Claims processed locally – no international coordination delays.

• 24/7 Critical Illness benefit paid in cash within weeks.

• Premiums paid in VND from local salary – no forex fees.

• Covers "Vietnam-specific" risks (traffic accidents, dengue, typhoon-related injuries).

Cons:

• Higher premium than equivalent Singapore cover.

• New relationship – no long-term history.

• Language barrier risk – contracts in Vietnamese.

• Must manage policy remotely if you return to Singapore permanently.

• Vietnamese consumer protection framework differs from Singapore's Financial Industry Disputes Resolution Centre (FIDReC).

The Strategic Verdict for Singaporean Expats

DO NOT CANCEL YOUR SINGAPORE POLICY.

Your Singapore life insurance is the bedrock of your family's long-term financial planning. It is priced in dollars, regulated by MAS, and familiar to your Singapore-based dependents. Your CPF DPS should remain active.

DO PURCHASE A DAI-ICHI LIFE VIETNAM TERM LIFE + CRITICAL ILLNESS (24/7) POLICY.

This is your tactical defense for the duration of your Vietnam assignment. It solves three specific problems that Singapore policies cannot efficiently address:

1. Speed of payment for a death in Vietnam.

2. Cash access for emergency medical treatment in ASEAN hospitals.

3. Currency alignment with your current living expenses and liabilities in Vietnam.

Think of it this way: Your Singapore policy ensures your children's university education in Singapore is fully funded in 2035. Your Dai-ichi policy ensures your spouse can pay the District 2 rent and international school fees next month if you are no longer here.

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Part 8: Unique Considerations for Singaporean Expats

Beyond the standard analysis, several Singapore-specific factors influence this decision.

1. CPF and Singapore Savings Bonds

Your CPF contributions continue while you work for a Singapore-registered employer. If you are employed locally in Vietnam (by a Vietnamese entity), you are not contributing to CPF.

This does not affect your ability to buy Vietnamese life insurance. However, it does mean you are not accumulating CPF Ordinary Account savings for housing or Special Account savings for retirement. Your Dai-ichi policy (if you choose whole life) can serve as a voluntary, non-CPF savings vehicle in VND.

2. Repatriation of Remains

Standard term life insurance pays the sum assured upon death. Your family can use this money to arrange repatriation independently.

Does Dai-ichi offer a specific "Repatriation Rider"? The search results do not confirm this . You must ask your agent directly. If not, the lump sum death benefit (2-5 billion VND) is sufficient to cover international repatriation costs (typically $5,000–$15,000 SGD).

Singaporean context: The Singapore High Commission in Hanoi can assist with repatriation procedures, but the cost is borne by the family. Your insurance payout funds this.

3. ASEAN Mutual Recognition Arrangement (MRA)

As an ASEAN citizen, your work permit and residency pathway in Vietnam is relatively straightforward. However, insurance underwriting does not yet have an "ASEAN fast-track." You will undergo the same medical and financial underwriting as a Vietnamese citizen applying for the same sum assured.

There is no "ASEAN premium discount" or "ASEAN exclusion." You are treated as a standard applicant.

4. Currency Strategy

The Singapore Dollar is one of the strongest and most stable currencies in Southeast Asia. The Vietnamese Dong is historically more volatile.

Objectively: Holding a VND-denominated asset (insurance policy) is currency risk.

However:

• If your income is in VND, your liabilities (rent, school fees, living expenses) are in VND. Paying premiums in VND from VND income eliminates currency risk during the premium-paying period.

• If you return to Singapore, the policy payout is in VND. You will need to convert to SGD. This is a risk, but it is a future risk (at claim time) rather than a recurring premium risk.

Mitigation: Keep the sum assured modest (2-3 billion VND) relative to your total portfolio. This limits currency exposure.

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Part 9: Frequently Asked Questions (Singaporean Expat Focus)

Q: Can I buy Dai-ichi Life Vietnam insurance using my Singapore NRIC?
A: No. You must use your Singapore passport and Vietnamese Temporary Residence Card (TRC) or work permit. Singapore NRIC is not recognized for insurance contracting in Vietnam.

Q: Does Dai-ichi Life Vietnam have any Singaporean agents?
A: Highly unlikely. The search results show no evidence of foreign agents . You will almost certainly be served by a Vietnamese agent who speaks English (if available).

Q: If I return to Singapore permanently, can I keep my Vietnamese policy?
A: Yes, generally. You can continue paying premiums from Singapore via international bank transfer (TT). However:

• You cannot purchase a new policy once you are no longer a Vietnam resident.

• You cannot make claims on the 24/7 Health riders while residing outside Vietnam (read the policy contract carefully).

• Premium payments in VND from a SGD account incur currency conversion fees (2-3%).

Q: Will Dai-ichi Life Vietnam cover me if I die in Singapore?
A: Yes. Life insurance policies cover death anywhere in the world, provided the policy was in force and premiums were paid. The standard exclusion is suicide within the first 1-2 years.

Q: Is the premium more expensive for Singaporean nationals than Vietnamese?
A: No. Premiums are based on attained age, smoking status, and health history – not nationality . A 40-year-old Singaporean non-smoker and a 40-year-old Vietnamese non-smoker with identical health profiles pay the same premium.

Q: Can I pay premiums from my DBS/POSB bank account?
A: Technically yes, but practically difficult. Policies are issued in VND. Paying from a SGD account incurs currency conversion fees and may be rejected by the insurer's payment gateway. Strongly recommended: Maintain a Vietnamese bank account and set up auto-debit.

Q: Does Dai-ichi Life Vietnam offer policies in SGD?
A: No. All policies are issued in Vietnamese Dong (VND) . Payouts are made in VND, which can be converted to SGD and remitted to Singapore.

Q: What happens if Dai-ichi Life Vietnam becomes insolvent?
A: Dai-ichi Life Vietnam is a subsidiary of Dai-ichi Life Holdings, Inc. (Japan) , one of the world's largest life insurers with $465 billion USD in assets . The parent company's financial strength rating is high (A+ by S&P, A1 by Moody's). While no insurer is immune to market conditions, the Dai-ichi Group's 122-year track record provides substantial reassurance.

Q: How do I complain if there is a dispute?
A: Dai-ichi Life Vietnam maintains a Customer Care – Complaint Handling process . However, this operates under Vietnamese law and the jurisdiction of Vietnamese courts. There is no equivalent to Singapore's FIDReC. This is a risk you accept when purchasing a local policy.

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Conclusion: A Conditional "Yes" with a Clear Roadmap for Singaporeans

To answer the core question directly and with complete intellectual honesty, based on all available information:

Yes, Singaporean expats are likely eligible to purchase Dai-ichi Life Vietnam insurance – but the burden of verification falls entirely on you, and the service experience will require active navigation.

There is no evidence of nationality-based exclusion. The company is financially robust, operationally mature, and offers products with genuine value for expats (particularly the new 24/7 Critical Illness riders) .

However, the complete absence of public information regarding foreign nationals, English services, and international claims handling means you cannot proceed passively.

The Final Verdict for Singaporean Professionals in Vietnam:

Assessment Criteria	Rating for Singaporean Expats
Eligibility	✅ Highly Probable (Requires Direct Verification)
Cost vs. Singapore	⚠️ Significantly More Expensive
Value Proposition	✅ Strong (Jurisdictional Convenience + 24/7 Health Riders)
English Service	❓ UNCONFIRMED – Must Explicitly Request & Verify
Digital Tools	❌ Limited vs. Singapore Standards
Claims Reputation	✅ Strong (84% Score, Japanese Backing)
Overall Recommendation	✅ Recommended as a Supplement to Singapore Cover

Your Action Plan:

1. Do not apply online. Visit a Dai-ichi Life Vietnam branch in an expat district (Thao Dien, Phu My Hung, Tay Ho). Bring your passport and TRC.

2. Explicitly request an English-speaking International Consultant. If the branch cannot provide one, this indicates limited expat servicing capability – consider a different branch or a competitor (AIA, Prudential, Manulife) with established expat divisions.

3. Focus on Term Life + Critical Illness (24/7). Avoid complex cash-value products unless you have a specific need for VND-denominated savings and have consulted a cross-border financial advisor.

4. Obtain a formal, written quote with your name as it appears on your Singapore passport.

5. Request a bilingual policy summary or independent translation before signing. Do not sign a contract you cannot read.

6. Keep your Singapore policies active. Your CPF DPS, NTUC Income, or Great Eastern coverage is your foundation. Dai-ichi is your local shield.

7. Maintain a Vietnamese bank account with sufficient funds for auto-debit premium payments.

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The Honest Broker:

Singaporean expats in Vietnam are accustomed to efficiency, transparency, and English-language service. Dai-ichi Life Vietnam, despite its Japanese heritage and Vietnamese success, currently offers none of these three things publicly.

This does not mean you should dismiss them. It means you must lower your expectations of "plug-and-play" service and raise your level of personal initiative.

For the Singaporean professional committed to a long-term career in Vietnam (5+ years), the effort of verification is worthwhile. The ability to secure a locally-responsive, cash-paying critical illness benefit from a $465 billion Japanese-backed insurer is a genuine addition to your risk management portfolio.

The question is no longer "Can I?" The question is "Am I willing to do the work to verify?"