The trend of changing thinking from "how to avoid getting sick" to "how to always live in the best condition" is present in life in the new era. That is also the shift in thinking that Techcom Life has set as the starting point for the journey "Living Fully Every Day": An integrated and connected experience model of medical technology, clinical expertise and financial advice - has reached more than 10,000 customers at 30 Techcombank branches nationwide.
According to Vietnam Report, 55.8% of Vietnamese consumers plan to increase spending on healthcare in 2026, while the scale of the wellness market in Vietnam has reached 19.6 billion USD with the main driving force being the trend of shifting from active treatment to proactive prevention.
People no longer simply want to extend their lifespan but also want to live healthy and quality in each stage of life. In that context, health is not only a prerequisite for having a good life - it is a strategic asset that needs to be actively managed.
Journey "Living Fully Every Day
From the beginning of 2026, Techcom Life is implementing the "Live Fully Every Day" journey with the first integrated experience model in the Vietnamese life insurance industry: connecting medical technology, clinical expertise and financial advice at the same touch point, at Techcombank branches themselves.
The journey has gone through 30 branches, serving more than 10,000 customers in Hanoi, Ho Chi Minh City, Dong Nai, Binh Duong, Can Tho, Da Nang areas and continues to Nghe An, Thanh Hoa, Hai Phong, Bac Ninh, Hung Yen, Bac Giang from May 15 - June 2. 2026.
The core point of the journey is the Techcom Life AI Care process, designed to lead customers from awareness to action in one visit with only 3 steps:
Step 1 - AI Health Check: Health assessment session using artificial intelligence - less than 30 seconds, gives specific and visual results.
For many people, this is the first time they have seen the overall picture of their own health through the lens of data.
Step 2 - Medical consultation 1-1: Experienced doctors interpret indicators according to the context of personal lifestyle, identify potential risks and make specific recommendations. This is the most important transition point - from "not knowing I don't know" to understanding the health condition and being ready to act.
Step 3 - Financial advice: Techcombank and Techcom Life experts do not start with products but start with the customer's personal plan - to plan a tailored protection solution, suitable for their own needs and context.
Strong health: 3-layer shield architecture
On this journey, Solutions for Strong Health - a product answer to the philosophy of active healthy living is introduced to customers. It is not an insurance contract that pays when an incident occurs. This is a multi-layered protection architecture like solid shields that help protect throughout before - during - after the incident with care privileges combined with comprehensive protection products:
Active care: Through the Banca Loyalty privilege, customers have access to the premium health care ecosystem at Vinmec including cancer screening and overall check-ups, worth up to 32 million VND in the first two years.
This is a right that can be used immediately, regularly, and turn health care from an obligation into a privilege enjoyed periodically. In parallel, the Banca Credit Card privilege with 0% installment payment for up to 3 years helps optimize cash flow, ensuring financial resources are always ready for medical and health spending.
Treatment advice: When there are the first symptoms, customers use the Private Doctor privilege to immediately connect with a team of experienced doctors 24/7 through the IVIE system, support consulting second opinions from leading experts at home and abroad, monitor health records periodically and book flexible appointments both domestically and internationally.
For families who set high standards for medical services, this is a guarantee that access is maintained regardless of time or geography.
Financial stability: The core platform is Techcom Life Max Vững Vàng Joint Venture Insurance - a financial platform that meets protection, investment and increased accumulation with early contract bonuses. In addition, the Comprehensive Plan Serious Disease Insurance package covers 127 illnesses for all family members. When an incident occurs, financial benefits are immediately activated and the entire premium for the next 5 years of the Serious Disease product is waived - so that attention is fully focused on recovery, not distracted by any financial burden.
Mr. Nguyen Huy Hoang - Director of Customer Value Positioning Division, said about the philosophy and differences that Techcom Life introduces to customers: "Applying technology and data from the Techcombank ecosystem combined with design thinking to put customer experience at the center, Techcom Life brings a trio of solutions that are a continuous journey, closely following each stage of customers' lives, helping to firmly defend against all upheavals to live every day fully".
In a market where the penetration rate of life insurance is still only 1.3% of GDP, the gap does not come from a lack of risk awareness - but from a lack of a convincing story to connect active healthy living needs with long-term financial protection decisions.
And the journey "Living Fully Every Day" with the trio of solutions Techcom Life has brought to customers in the past to show the business philosophy: insurance can and must create value right from the most normal days, every day - not just on days when an incident occurs.
