A Da Nang court sentenced To Thi Ty Na to life in prison after she killed her five-year-old son to collect $157,000 in insurance payouts from Generali and FWD. The case highlights insurance fraud risks in Vietnam.
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To Thi Ty Na, 45, was sentenced to life in prison by a Da Nang court for murdering her five-year-old son to collect insurance payouts worth more than VND4.1 billion ($157,000), prosecutors said. She also received a six-year term for insurance fraud.
Na had been convicted of theft before her husband died in 2020, leaving her without stable income. She sold the family home for VND1.2 billion, and after that money ran out, she bought seven life insurance policies for her children, naming herself the beneficiary on each, according to the indictment. Annual premiums exceeded VND100 million.
On Jan. 2, 2023, Na turned a security camera away at her home, then took the boy into the bathroom and killed him. She staged the scene to look like an accidental drowning in a bucket of water, prosecutors said. She later filed fraudulent claims stating the death was an accident, collecting VND4.1 billion from Generali Life Insurance and FWD Life Insurance.
Police found that Na was the only person with the child at the time, the house had a single entrance, and the victim–124 cm tall–could not have drowned accidentally in a bucket 63 cm high. Injuries on the boy were consistent with external force, investigators determined. Relatives noticed the camera alteration and reported it.
At trial, Na denied killing her son for the money, saying the policies were meant to "protect his health." She said she could not remember key details and claimed the injuries occurred at school. The court ruled against her, ordering full repayment to the two insurers.
The case highlights insurance fraud risks in Vietnam, where life insurance penetration is growing. The involvement of foreign insurers such as Generali and FWD underscores the need for rigorous claims verification. The case does not involve U.S.-listed companies such as Apple (AAPL).
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