{"id":24416,"date":"2023-10-21T07:00:04","date_gmt":"2023-10-21T00:00:04","guid":{"rendered":"https:\/\/pacificcross.com.vn\/?p=24416"},"modified":"2023-10-26T19:31:54","modified_gmt":"2023-10-26T12:31:54","slug":"bao-hiem-phi-nhan-tho","status":"publish","type":"post","link":"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-phi-nhan-tho\/","title":{"rendered":"B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd: \u0110\u1eb7c \u0111i\u1ec3m v\u00e0 quy\u1ec1n l\u1ee3i b\u1ea1n n\u00ean bi\u1ebft"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung b\u00e0i vi\u1ebft \/ Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69e365613f53e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69e365613f53e\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-phi-nhan-tho\/#1_Bao_hiem_phi_nhan_tho_la_gi\" >1. B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-phi-nhan-tho\/#2_Cac_quyen_loi_khi_tham_gia_bao_hiem_phi_nhan_tho\" >2. C\u00e1c quy\u1ec1n l\u1ee3i khi tham gia b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-phi-nhan-tho\/#3_Su_khac_biet_giua_bao_hiem_nhan_tho_va_bao_hiem_phi_nhan_tho\" >3. S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-phi-nhan-tho\/#4_Mua_bao_hiem_phi_nhan_tho_o_dau\" >4. Mua b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd \u1edf \u0111\u00e2u?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-phi-nhan-tho\/#5_Luu_y_khi_mua_bao_hiem_phi_nhan_tho\" >5. L\u01b0u \u00fd khi mua b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-phi-nhan-tho\/#6_Ne%CC%82n_tham_gia_ba%CC%89o_hie%CC%82%CC%89m_nha%CC%82n_tho%CC%A3_hay_ba%CC%89o_hie%CC%82%CC%89m_phi_nha%CC%82n_tho%CC%A3\" >6. Ne\u0302n tham gia ba\u0309o hie\u0302\u0309m nha\u0302n tho\u0323 hay ba\u0309o hie\u0302\u0309m phi nha\u0302n tho\u0323 ?<\/a><\/li><\/ul><\/nav><\/div>\n<p style=\"text-align: justify;\"><strong><em>B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd l\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n b\u1ea3n th\u00e2n c\u0169ng nh\u01b0 con ng\u01b0\u1eddi m\u1ed9t c\u00e1ch thi\u1ebft th\u1ef1c v\u00e0 h\u1eefu \u00edch. D\u1eabu v\u1eady, cho \u0111\u1ebfn nay v\u1eabn c\u00f2n kh\u00f4ng \u00edt c\u00e1 nh\u00e2n ch\u01b0a hi\u1ec3u r\u00f5 nh\u1eefng \u01b0u \u0111i\u1ec3m c\u1ee7a lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 n\u00e0y.\u00a0<\/em><\/strong><\/p>\n<p style=\"text-align: justify;\"><strong><em>B\u00e0i vi\u1ebft sau s\u1ebd \u0111em \u0111\u1ebfn c\u00e1c th\u00f4ng tin h\u1eefu \u00edch v\u1ec1 b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd c\u0169ng nh\u01b0 gi\u1ea3i \u0111\u00e1p c\u00e1c th\u1eafc m\u1eafc th\u01b0\u1eddng g\u1eb7p.\u00a0<\/em><\/strong><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Bao_hiem_phi_nhan_tho_la_gi\"><\/span><strong>1. B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd (Non-life insurance), c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong. \u0110\u00e2y l\u00e0 m\u1ed9t lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m r\u1ea5t ph\u1ed5 bi\u1ebfn cho c\u00e1c doanh nghi\u1ec7p v\u00e0 c\u1ea3 c\u00e1 nh\u00e2n. B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd s\u1ebd b\u1ea3o v\u1ec7 cho ch\u1ee7 s\u1edf h\u1eefu kh\u1ecfi nh\u1eefng b\u1ea5t tr\u1eafc c\u00f3 th\u1ec3 x\u1ea3y \u0111\u1ebfn c\u0169ng nh\u01b0 h\u1ea1n ch\u1ebf th\u1ea5p nh\u1ea5t nguy c\u01a1 kinh t\u1ebf c\u1ee7a b\u1ea3n th\u00e2n b\u1ea1n b\u1ecb \u1ea3nh h\u01b0\u1edfng x\u1ea5u.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">M\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd bao g\u1ed3m:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>B\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/strong> : B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m m\u00e0 ng\u01b0\u1eddi s\u1edf h\u1eefu ho\u1eb7c l\u00e1i xe \u00f4 t\u00f4 c\u00f3 th\u1ec3 mua \u0111\u1ec3 b\u1ea3o v\u1ec7 xe \u00f4 t\u00f4 c\u1ee7a m\u00ecnh trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1 nh\u01b0 tai n\u1ea1n, h\u01b0 h\u1ecfng, m\u1ea5t c\u1eafp ho\u1eb7c t\u1ed5n th\u1ea5t v\u1eadt ch\u1ea5t kh\u00e1c. B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 th\u1ec3 bao g\u1ed3m c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c nhau nh\u01b0 b\u1ea3o v\u1ec7 tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1, b\u1ea3o v\u1ec7 t\u1ed5n th\u1ea5t v\u1eadt ch\u1ea5t ho\u1eb7c b\u1ea3o v\u1ec7 ch\u00ednh ch\u1ee7 xe \u00f4 t\u00f4<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong><a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/\">B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n<\/a><\/strong> : B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n l\u00e0 b\u1ea3o hi\u1ec3m gi\u00fap b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi s\u1edf h\u1eefu, bao g\u1ed3m t\u00e0i s\u1ea3n v\u1eadt ch\u1ea5t nh\u01b0 nh\u00e0 c\u1eeda, \u0111\u1ed3 \u0111\u1ea1c, trang thi\u1ebft b\u1ecb, xe h\u01a1i, m\u00e1y m\u00f3c, thi\u1ebft b\u1ecb \u0111i\u1ec7n t\u1eed v\u00e0 t\u00e0i s\u1ea3n v\u00f4 h\u00ecnh nh\u01b0 quy\u1ec1n s\u1eed d\u1ee5ng \u0111\u1ea5t, s\u1edf h\u1eefu tr\u00ed tu\u1ec7 v\u00e0 d\u1eef li\u1ec7u.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-y-te-la-gi\/\"><strong>B\u1ea3o hi\u1ec3m y t\u1ebf<\/strong><\/a>: B\u1ea3o hi\u1ec3m y t\u1ebf l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m gi\u00fap \u0111\u1ea3m b\u1ea3o chi ph\u00ed y t\u1ebf cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m khi h\u1ecd g\u1eb7p ph\u1ea3i c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 s\u1ee9c kh\u1ecfe, bao g\u1ed3m ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe \u0111\u1ecbnh k\u1ef3, ph\u1eabu thu\u1eadt, \u0111i\u1ec1u tr\u1ecb b\u1ec7nh, n\u1eb1m vi\u1ec7n, v\u00e0 thu\u1ed1c thang.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-nan-lao-dong\/\"><strong>B\u1ea3o hi\u1ec3m tai n\u1ea1n<\/strong><\/a> : l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m gi\u00fap \u0111\u1ea3m b\u1ea3o chi ph\u00ed cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p h\u1ecd g\u1eb7p tai n\u1ea1n bao g\u1ed3m chi ph\u00ed \u0111i\u1ec1u tr\u1ecb y t\u1ebf, ph\u1eabu thu\u1eadt, \u1ed1m \u0111au, t\u00e0n t\u1eadt, tr\u1ee3 c\u1ea5p cho gia \u0111\u00ecnh c\u1ee7a ng\u01b0\u1eddi b\u1ecb tai n\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u00f3 t\u1eed vong do tai n\u1ea1n.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-du-lich-nhung-thong-tin-ban-can-biet\/\"><strong>B\u1ea3o hi\u1ec3m du l\u1ecbch<\/strong><\/a> : l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 b\u1ea3o v\u1ec7 du kh\u00e1ch khi \u0111i du l\u1ecbch ho\u1eb7c du h\u1ecdc \u1edf n\u01b0\u1edbc ngo\u00e0i.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>B\u1ea3o hi\u1ec3m t\u00edn d\u1ee5ng<\/strong> : B\u1ea3o hi\u1ec3m t\u00edn d\u1ee5ng (Credit insurance) l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m mua l\u1ea1i c\u00e1c kho\u1ea3n n\u1ee3 c\u1ee7a c\u00e1c kh\u00e1ch h\u00e0ng ho\u1eb7c \u0111\u1ed1i t\u00e1c th\u01b0\u01a1ng m\u1ea1i c\u1ee7a doanh nghi\u1ec7p, b\u1ea3o v\u1ec7 doanh nghi\u1ec7p kh\u1ecfi nh\u1eefng r\u1ee7i ro t\u00edn d\u1ee5ng nh\u01b0 kh\u00e1ch h\u00e0ng kh\u00f4ng tr\u1ea3 n\u1ee3, v\u1ee1 n\u1ee3, ph\u00e1 s\u1ea3n, hay t\u00ecnh tr\u1ea1ng kh\u00f3 kh\u0103n <a href=\"https:\/\/pacificcross.com.vn\/vi\/cai-thien-suc-khoe-tai-chinh\/\">t\u00e0i ch\u00ednh<\/a>.<\/span><\/li>\n<li aria-level=\"1\"><strong><a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tien-gui\/\">B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi<\/a><\/strong> : B\u1ea3o hi\u1ec3m ti\u1ec1n g\u1eedi (Deposit insurance) l\u00e0 m\u1ed9t d\u1ea1ng b\u1ea3o hi\u1ec3m t\u00e0i ch\u00ednh \u0111\u01b0\u1ee3c cung c\u1ea5p cho kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh nh\u01b0 ng\u00e2n h\u00e0ng, h\u1ee3p t\u00e1c x\u00e3 t\u00edn d\u1ee5ng, c\u00f4ng ty t\u00e0i ch\u00ednh,&#8230; B\u1ea3o hi\u1ec3m n\u00e0y gi\u00fap b\u1ea3o v\u1ec7 ti\u1ec1n g\u1eedi c\u1ee7a kh\u00e1ch h\u00e0ng trong tr\u01b0\u1eddng h\u1ee3p t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh \u0111\u00f3 ph\u00e1 s\u1ea3n ho\u1eb7c g\u1eb7p s\u1ef1 c\u1ed1 nghi\u00eam tr\u1ecdng kh\u00e1c.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>B\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p<\/strong> : B\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p (Mortgage insurance) l\u00e0 m\u1ed9t d\u1ea1ng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng trong th\u1ecb tr\u01b0\u1eddng b\u1ea5t \u0111\u1ed9ng s\u1ea3n. N\u00f3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng khi ng\u01b0\u1eddi mua nh\u00e0 vay ti\u1ec1n \u0111\u1ec3 mua nh\u00e0, v\u00e0 ng\u00e2n h\u00e0ng c\u1ea5p kho\u1ea3n vay \u0111\u00f3 y\u00eau c\u1ea7u ng\u01b0\u1eddi mua nh\u00e0 ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m th\u1ebf ch\u1ea5p nh\u1eb1m b\u1ea3o v\u1ec7 cho ng\u00e2n h\u00e0ng trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi mua nh\u00e0 kh\u00f4ng tr\u1ea3 \u0111\u01b0\u1ee3c kho\u1ea3n vay.<\/span><\/li>\n<li aria-level=\"1\"><a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-hang-khong\/\"><strong>B\u1ea3o hi\u1ec3m h\u00e0ng kh\u00f4ng<\/strong><\/a> : B\u1ea3o hi\u1ec3m h\u00e0ng kh\u00f4ng l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u1eb7c bi\u1ec7t d\u00e0nh cho h\u00e0nh kh\u00e1ch v\u00e0 h\u00e0ng h\u00f3a khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 v\u1eadn chuy\u1ec3n h\u00e0ng kh\u00f4ng. B\u1ea3o hi\u1ec3m n\u00e0y b\u1ea3o v\u1ec7 ch\u1ee7 y\u1ebfu cho c\u00e1c t\u1ed5 ch\u1ee9c v\u00e0 c\u00e1 nh\u00e2n trong ng\u00e0nh h\u00e0ng kh\u00f4ng, bao g\u1ed3m c\u00e1c h\u00e3ng h\u00e0ng kh\u00f4ng, s\u00e2n bay, c\u00f4ng ty v\u1eadn t\u1ea3i h\u00e0ng kh\u00f4ng, nh\u00e0 s\u1ea3n xu\u1ea5t v\u00e0 cung c\u1ea5p thi\u1ebft b\u1ecb h\u00e0ng kh\u00f4ng.<\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>B\u1ea3o hi\u1ec3m thi\u00ean tai (h\u1ecfa ho\u1ea1n, l\u0169 l\u1ee5t, \u0111\u1ed9ng \u0111\u1ea5t, v.v.)<\/strong> : B\u1ea3o hi\u1ec3m thi\u00ean tai l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn c\u00e1c thi\u00ean tai nh\u01b0 \u0111\u1ed9ng \u0111\u1ea5t, l\u1ee5t l\u1ed9i, ch\u00e1y r\u1eebng, b\u00e3o t\u00e1p, v.v. B\u1ea3o hi\u1ec3m n\u00e0y gi\u00fap b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc nh\u1eefng thi\u1ec7t h\u1ea1i ho\u1eb7c m\u1ea5t m\u00e1t do thi\u00ean tai g\u00e2y ra.<\/span><\/li>\n<\/ul>\n<div id=\"attachment_24417\" style=\"width: 1010px\" class=\"wp-caption aligncenter\"><img aria-describedby=\"caption-attachment-24417\" loading=\"lazy\" class=\"wp-image-24417 size-full\" src=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2021\/11\/shutterstock_572966134.jpg\" alt=\"b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd l\u00e0 g\u00ec\" width=\"1000\" height=\"675\" srcset=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2021\/11\/shutterstock_572966134.jpg 1000w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2021\/11\/shutterstock_572966134-300x203.jpg 300w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2021\/11\/shutterstock_572966134-768x518.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><p id=\"caption-attachment-24417\" class=\"wp-caption-text\">B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd l\u00e0 g\u00ec ?<\/p><\/div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Cac_quyen_loi_khi_tham_gia_bao_hiem_phi_nhan_tho\"><\/span><strong>2. C\u00e1c quy\u1ec1n l\u1ee3i khi tham gia b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">M\u1ed9t s\u1ed1 l\u1ee3i \u00edch v\u00e0 \u0111\u1eb7c \u0111i\u1ec3m khi b\u1ea1n tham gia b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd g\u1ed3m:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng k\u00e9o d\u00e0i qu\u00e1 l\u00e2u nh\u01b0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m chi tr\u1ea3 t\u1ee9c th\u00ec khi g\u1eb7p v\u1ea5n \u0111\u1ec1 v\u1ec1 s\u1ee9c kh\u1ecfe\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00e1c ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd v\u1ec1 du l\u1ecbch c\u0169ng cung c\u1ea5p <a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-cho-nguoi-cao-tuoi\/\">b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi cao tu\u1ed5i<\/a> v\u00e0 tr\u1ebb em. Ch\u00fang c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 nh\u01b0 m\u1ea5t h\u00e0nh l\u00fd, tai n\u1ea1n, m\u1ea5t gi\u1ea5y t\u1edd\u2026 khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u01b0\u1edfng b\u1ea3o hi\u1ec3m \u1edf n\u01b0\u1edbc ngo\u00e0i<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd d\u1ea1ng th\u01b0\u01a1ng m\u1ea1i mang l\u1ea1i l\u1ee3i \u00edch cho doanh nghi\u1ec7p v\u1edbi c\u00e1c ch\u00ednh s\u00e1ch nh\u01b0 b\u1ea3o hi\u1ec3m quy\u1ec1n l\u1ee3i nh\u00e2n vi\u00ean, b\u1ea3o hi\u1ec3m cho ch\u1ee7 c\u1eeda h\u00e0ng, b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 h\u00e0ng h\u1ea3i&#8230;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u00e2n th\u1ecd s\u1ebd b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf ho\u1eb7c t\u00e0i s\u1ea3n trong nh\u00e0 \u1edf c\u1ee7a ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc nhi\u1ec1u s\u1ef1 c\u1ed1 kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c, nh\u01b0 <a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-hoa-hoan-la-gi\/\">h\u1ecfa ho\u1ea1n<\/a>, tr\u1ed9m c\u1eafp, thi\u00ean tai&#8230;<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Su_khac_biet_giua_bao_hiem_nhan_tho_va_bao_hiem_phi_nhan_tho\"><\/span><strong>3. S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">V\u1ec1 c\u01a1 b\u1ea3n, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 h\u00ecnh th\u1ee9c chi tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m m\u1ed9t l\u1ea7n v\u00e0o th\u1eddi \u0111i\u1ec3m \u0111\u00e1o h\u1ea1n ho\u1eb7c trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m t\u1eed vong. C\u00f2n b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd b\u1ea3o v\u1ec7 b\u1ea1n tr\u01b0\u1edbc c\u00e1c v\u1ea5n \u0111\u1ec1 s\u1ee9c kh\u1ecfe ho\u1eb7c t\u1ed5n th\u1ea5t do h\u01b0 h\u1ecfng t\u00e0i s\u1ea3n.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">M\u1ed9t s\u1ed1 \u0111\u1eb7c \u0111i\u1ec3m so s\u00e1nh gi\u1eefa b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd g\u1ed3m:<\/span><\/p>\n<table>\n<tbody>\n<tr>\n<td><span style=\"font-weight: 400;\">\u00a0<\/span><\/td>\n<td><strong>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/strong><\/td>\n<td><strong>B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd<\/strong><\/td>\n<\/tr>\n<tr>\n<td><strong>\u0110\u1ecbnh ngh\u0129a<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 s\u1ea3n ph\u1ea9m \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p nh\u1eb1m b\u1ea3o v\u1ec7 ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc r\u1ee7i ro v\u1ec1 s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng b\u1eb1ng c\u00e1ch chi tr\u1ea3, b\u1ed3i th\u01b0\u1eddng khi c\u00e1c s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m x\u1ea3y ra.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd l\u00e0 h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m d\u00e0nh cho c\u1ea3 con ng\u01b0\u1eddi v\u00e0 t\u00e0i s\u1ea3n kh\u00e1c.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">C\u00e1c r\u1ee7i ro \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd bao g\u1ed3m: sinh m\u1ea1ng, s\u1ee9c kh\u1ecfe, t\u00e0i s\u1ea3n (xe, nh\u00e0 c\u1eeda, nh\u00e0 m\u00e1y&#8230;), tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd ph\u00e1t sinh t\u1eeb thi\u1ec7t h\u1ea1i do c\u00e1 nh\u00e2n g\u00e2y ra \u0111\u1ed1i v\u1edbi b\u00ean th\u1ee9 ba, t\u1eed vong do tai n\u1ea1n ho\u1eb7c th\u01b0\u01a1ng t\u00edch.<\/span><\/td>\n<\/tr>\n<tr>\n<td><strong>Th\u1eddi gian<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">D\u00e0i h\u1ea1n<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ng\u1eafn h\u1ea1n<\/span><\/td>\n<\/tr>\n<tr>\n<td><strong>B\u1ea3n ch\u1ea5t\u00a0<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c th\u1eeba nh\u1eadn l\u00e0 m\u1ed9t kho\u1ea3n \u0111\u1ea7u t\u01b0 v\u00e0 kh\u00f4ng ph\u1ea3i d\u1ea1ng h\u1ee3p \u0111\u1ed3ng b\u1ed3i th\u01b0\u1eddng.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd c\u00f3 th\u1ec3 xem x\u00e9t nh\u01b0 m\u1ed9t d\u1ea1ng h\u1ee3p \u0111\u1ed3ng b\u1ed3i th\u01b0\u1eddng.<\/span><\/td>\n<\/tr>\n<tr>\n<td><strong>Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">B\u00ean mua b\u1ea3o hi\u1ec3m nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c quy\u1ec1n l\u1ee3i trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m chi tr\u1ea3.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Ch\u1ee7 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 nh\u1eefng ng\u01b0\u1eddi kh\u00e1c \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo h\u1ee3p \u0111\u1ed3ng s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c quy\u1ec1n l\u1ee3i trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m chi tr\u1ea3.<\/span><\/td>\n<\/tr>\n<tr>\n<td><strong>Y\u00eau c\u1ea7u chi tr\u1ea3<\/strong><\/td>\n<td><span style=\"font-weight: 400;\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c thanh to\u00e1n khi \u0111\u00e1o h\u1ea1n h\u1ee3p \u0111\u1ed3ng ho\u1eb7c khi ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m qua \u0111\u1eddi.<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u1eed l\u00fd theo thi\u1ec7t h\u1ea1i ho\u1eb7c t\u1ed5n th\u1ea5t t\u00e0i ch\u00ednh m\u00e0 b\u00ean mua b\u1ea3o hi\u1ec3m ph\u1ea3i ch\u1ecbu.<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Mua_bao_hiem_phi_nhan_tho_o_dau\"><\/span><strong>4. Mua b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd \u1edf \u0111\u00e2u?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Nh\u00ecn chung, vi\u1ec7c <strong>mua b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd<\/strong> c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem nh\u01b0 c\u00e1ch b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n tr\u01b0\u1edbc c\u00e1c t\u00e1c \u0111\u1ed9ng t\u00e0i ch\u00ednh kh\u00f4ng c\u1ea7n thi\u1ebft v\u00e0 gi\u00fap b\u1ea1n an t\u00e2m v\u00ec s\u1ebd lu\u00f4n \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi c\u00e1c ch\u00ednh s\u00e1ch trong b\u1ea3o hi\u1ec3m.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">V\u1eady l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd? C\u00e2u tr\u1ea3 l\u1eddi kh\u00f4ng h\u1ec1 kh\u00f3 nh\u01b0ng c\u0169ng ch\u1eb3ng ph\u1ea3i d\u1ec5 d\u00e0ng b\u1edfi b\u1ea1n s\u1ebd c\u1ea7n ph\u1ea3i tr\u1ea3i qua nhi\u1ec1u th\u1ee7 t\u1ee5c th\u1ea9m \u0111\u1ecbnh c\u0169ng nh\u01b0 chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 c\u00e1c h\u1ed3 s\u01a1.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Tuy nhi\u00ean, \u0111\u1ec3 qu\u00e1 tr\u00ecnh n\u00e0y di\u1ec5n ra thu\u1eadn l\u1ee3i, nhanh ch\u00f3ng v\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn c\u00f3 \u0111\u1ea7y \u0111\u1ee7 nh\u1eefng ch\u00ednh s\u00e1ch b\u1ea3o v\u1ec7 t\u1ed1i \u0111a quy\u1ec1n l\u1ee3i kh\u00e1ch h\u00e0ng, b\u1ea1n h\u00e3y t\u00ecm \u0111\u1ebfn nh\u1eefng c\u00f4ng ty, t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m uy t\u00edn \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn v\u1edbi nhi\u1ec1u n\u0103m kinh nghi\u1ec7m trong l\u0129nh v\u1ef1c <a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-con-nguoi-la-gi\/\">b\u1ea3o hi\u1ec3m cho con ng\u01b0\u1eddi<\/a> c\u0169ng nh\u01b0 t\u00e0i s\u1ea3n, ch\u1eb3ng h\u1ea1n nh\u01b0 <\/span><a href=\"https:\/\/pacificcross.com.vn\/\"><span style=\"font-weight: 400;\">Pacific Cross Vi\u1ec7t Nam<\/span><\/a><span style=\"font-weight: 400;\">. \u0110\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 chuy\u00ean gia cung c\u1ea5p b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe h\u00e0ng \u0111\u1ea7u, c\u00e1c s\u1ea3n ph\u1ea9m c\u1ee7a Pacific Cross Vi\u1ec7t Nam \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 cung c\u1ea5p kh\u00f4ng ch\u1ec9 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe c\u01a1 b\u1ea3n m\u00e0 c\u00f2n r\u1ea5t nhi\u1ec1u c\u00e1c quy\u1ec1n l\u1ee3i mang \u0111\u1ebfn s\u1ef1 an t\u00e2m cho b\u1ea1n, gia \u0111\u00ecnh b\u1ea1n v\u00e0 c\u00e1c nh\u00e2n vi\u00ean trong doanh nghi\u1ec7p b\u1ea1n.<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Luu_y_khi_mua_bao_hiem_phi_nhan_tho\"><\/span>5. L\u01b0u \u00fd khi mua b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Khi mua b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd, c\u00f3 m\u1ed9t s\u1ed1 l\u01b0u \u00fd quan tr\u1ecdng m\u00e0 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m n\u00ean xem x\u00e9t \u0111\u1ec3 c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a c\u00e1c quy\u1ec1n l\u1ee3i t\u1eeb ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 l\u01b0u \u00fd khi mua b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd:<\/p>\n<ul>\n<li><strong>T\u00ecm hi\u1ec3u k\u1ef9 v\u1ec1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m<\/strong> : Tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd, b\u1ea1n c\u1ea7n t\u00ecm hi\u1ec3u k\u1ef9 v\u1ec1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m \u0111\u1ec3 bi\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng r\u1ee7i ro \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n b\u1ed3i th\u01b0\u1eddng. B\u1ea1n c\u0169ng c\u1ea7n \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/li>\n<li><strong>Ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p<\/strong> : B\u1ea1n n\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a m\u00ecnh c\u0169ng nh\u01b0 g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u0169ng nh\u01b0 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i<\/li>\n<li><strong>So s\u00e1nh gi\u00e1 v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m<\/strong> : Gi\u00e1 v\u00e0 ch\u1ea5t l\u01b0\u1ee3ng s\u1ea3n ph\u1ea9m l\u00e0 \u0111i\u1ec1u ki\u1ec7n \u01b0u ti\u00ean khi b\u1ea1n quy\u1ebf t \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd. B\u1ea1n kh\u00f4ng n\u00ean ch\u1ecdn s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ch\u1ec9 v\u00ec gi\u00e1 r\u1ebb m\u00e0 kh\u00f4ng \u0111\u1ea3m b\u1ea3o ch\u1ea5t l\u01b0\u1ee3ng.<\/li>\n<li><strong>Th\u1ea9m \u0111\u1ecbnh gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m<\/strong>: B\u1ea1n c\u1ea7n tham kh\u1ea3o \u0111\u00fang gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i s\u1ea3n \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng g\u00f3i b\u1ea3o hi\u1ec3m b\u1ea1n ch\u1ecdn \u0111\u00e1p \u1ee9ng \u0111\u00fang gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n b\u1ea1n \u0111\u00e3 th\u1ea9m \u0111\u1ecbnh<\/li>\n<li><strong>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/strong>: B\u1ea1n n\u00ean mua b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u0111\u1ec3 b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh khi x\u1ea3y ra tai n\u1ea1n ho\u1eb7c g\u00e2y ra thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi kh\u00e1c.<\/li>\n<li><strong>L\u1ef1a ch\u1ecdn \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u00e1ng tin c\u1eady<\/strong>: B\u1ea1n n\u00ean li\u00ean h\u1ec7 v\u1edbi \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u00e1ng tin c\u1eady \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u00e0 gi\u1ea3i \u0111\u00e1p m\u1ecdi th\u1eafc m\u1eafc v\u1ec1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m, c\u1ee5 th\u1ec3 nh\u01b0 Pacific Cross hi\u1ec7n \u0111ang l\u00e0 n\u01a1i cung c\u1ea5p c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd uy t\u00edn nh\u1ea5t hi\u1ec7n nay.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"6_Ne%CC%82n_tham_gia_ba%CC%89o_hie%CC%82%CC%89m_nha%CC%82n_tho%CC%A3_hay_ba%CC%89o_hie%CC%82%CC%89m_phi_nha%CC%82n_tho%CC%A3\"><\/span><b>6. Ne\u0302n tham gia ba\u0309o hie\u0302\u0309m nha\u0302n tho\u0323 hay ba\u0309o hie\u0302\u0309m phi nha\u0302n tho\u0323 ?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Quy\u1ebft \u0111\u1ecbnh tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd hay b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 c\u00e1 nh\u00e2n, t\u00e0i ch\u00ednh v\u00e0 m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 \u0111i\u1ec3m c\u1ea7n xem x\u00e9t \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh:<\/span><\/p>\n<p><b>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd:<\/b><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>B\u1ea3o v\u1ec7 cho t\u00e0i s\u1ea3n v\u00e0 gia \u0111\u00ecnh:<\/b><span style=\"font-weight: 400;\"> B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u01b0\u1eddng cung c\u1ea5p s\u1ef1 b\u1ea3o v\u1ec7 cho gia \u0111\u00ecnh v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n m\u1ea5t s\u1ee9c lao \u0111\u1ed9ng do t\u1eed vong ho\u1eb7c t\u00e0n t\u1eadt. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 gi\u00fap \u0111\u1ea3m b\u1ea3o r\u1eb1ng gia \u0111\u00ecnh b\u1ea1n s\u1ebd kh\u00f4ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi t\u00e0i ch\u00ednh kh\u00f3 kh\u0103n khi b\u1ea1n kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng ki\u1ebfm ti\u1ec1n.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ti\u1ec1n m\u1eb7t sau khi ngh\u1ec9 h\u01b0u:<\/b><span style=\"font-weight: 400;\"> M\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n t\u00edch l\u0169y ti\u1ec1n m\u1eb7t \u0111\u1ec3 s\u1eed d\u1ee5ng sau khi ngh\u1ec9 h\u01b0u ho\u1eb7c khi b\u1ea1n c\u1ea7n ti\u1ec1n m\u1eb7t cho m\u1ee5c \u0111\u00edch kh\u00e1c.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0110\u1ea7u t\u01b0 v\u00e0 t\u00edch l\u0169y gi\u00e1 tr\u1ecb:<\/b><span style=\"font-weight: 400;\"> M\u1ed9t s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 gi\u00e1 tr\u1ecb t\u00edch l\u0169y theo th\u1eddi gian v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 ho\u1eb7c \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n.<\/span><\/li>\n<\/ol>\n<p><b>B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd:<\/b><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau ng\u1eafn h\u1ea1n:<\/b><span style=\"font-weight: 400;\"> B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd th\u01b0\u1eddng t\u1eadp trung v\u00e0o vi\u1ec7c b\u1ea3o v\u1ec7 b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p nh\u1eefng s\u1ef1 ki\u1ec7n kh\u00f4ng mong mu\u1ed1n x\u1ea3y ra, ch\u1eb3ng h\u1ea1n nh\u01b0 tai n\u1ea1n ho\u1eb7c b\u1ec7nh t\u1eadt. \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m th\u00edch h\u1ee3p n\u1ebfu b\u1ea1n ch\u1ec9 quan t\u00e2m \u0111\u1ebfn vi\u1ec7c c\u00f3 s\u1ef1 b\u1ea3o v\u1ec7 ngay l\u1eadp t\u1ee9c m\u00e0 kh\u00f4ng c\u1ea7n t\u00edch l\u0169y gi\u00e1 tr\u1ecb.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ph\u00ed b\u1ea3o hi\u1ec3m th\u1ea5p h\u01a1n:<\/b><span style=\"font-weight: 400;\"> B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd th\u01b0\u1eddng c\u00f3 ph\u00ed b\u1ea3o hi\u1ec3m th\u1ea5p h\u01a1n so v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, n\u00ean n\u00f3 c\u00f3 th\u1ec3 ph\u00f9 h\u1ee3p h\u01a1n cho ng\u01b0\u1eddi c\u00f3 ngu\u1ed3n t\u00e0i ch\u00ednh h\u1ea1n ch\u1ebf.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>S\u1ef1 \u0111\u01a1n gi\u1ea3n:<\/b><span style=\"font-weight: 400;\"> B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd th\u01b0\u1eddng \u0111\u01a1n gi\u1ea3n h\u00f3a quy tr\u00ecnh mua b\u1ea3o hi\u1ec3m, kh\u00f4ng y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i \u0111\u1ea7u t\u01b0 nhi\u1ec1u th\u1eddi gian v\u00e0 ki\u1ebfn th\u1ee9c v\u1ec1 t\u00e0i ch\u00ednh.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">S\u1ef1 l\u1ef1a ch\u1ecdn gi\u1eefa b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh, m\u1ee5c ti\u00eau v\u00e0 \u01b0u ti\u00ean c\u1ee7a b\u1ea1n. N\u1ebfu b\u1ea1n c\u00f2n ph\u00e2n v\u00e2n, n\u00ean th\u1ea3o lu\u1eadn v\u1edbi m\u1ed9t t\u01b0 v\u1ea5n vi\u00ean t\u00e0i ch\u00ednh ho\u1eb7c ng\u01b0\u1eddi chuy\u00ean v\u1ec1 b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n c\u1ee5 th\u1ec3 d\u1ef1a tr\u00ean t\u00ecnh h\u00ecnh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pacific Cross Vi\u1ec7t Nam cung c\u1ea5p c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe v\u00e0 b\u1ea3o hi\u1ec3m du l\u1ecbch ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng y\u00eau c\u1ea7u v\u00e0 ng\u00e2n s\u00e1ch c\u1ee7a kh\u00e1ch h\u00e0ng. Cho d\u00f9 l\u00e0 ch\u01b0\u01a1ng tr\u00ecnh b\u1ea3o hi\u1ec3m cho c\u00e1 nh\u00e2n b\u1ea1n, cho gia \u0111\u00ecnh b\u1ea1n ho\u1eb7c doanh nghi\u1ec7p c\u1ee7a b\u1ea1n, ch\u00fang t\u00f4i \u1edf \u0111\u00e2y \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u0110\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n mi\u1ec5n ph\u00ed, \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 th\u00f4ng tin b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe, anh ch\u1ecb c\u00f3 th\u1ec3 \u0111\u1ec3 l\u1ea1i th\u00f4ng tin \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n mi\u1ec5n ph\u00ed <\/span><a href=\"https:\/\/share.hsforms.com\/1lPp7cGPVQeeKMi_bJLbaAwd0ctp\"><span style=\"font-weight: 400;\">T\u1ea0I \u0110\u00c2Y<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n<p><em><strong>B\u00e0i vi\u1ebft li\u00ean quan :<\/strong><\/em><\/p>\n<ul>\n<li><a href=\"https:\/\/pacificcross.com.vn\/vi\/cang-thang-tai-chinh\/\">M\u1ed1i li\u00ean h\u1ec7 gi\u1eefa c\u0103ng th\u1eb3ng t\u00e0i ch\u00ednh v\u00e0 r\u1ee7i ro s\u1ee9c kh\u1ecfe<\/a><\/li>\n<li><a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-ve-suc-khoe-toan-dien\/\">B\u00ed m\u1eadt ch\u0103m s\u00f3c v\u00e0 b\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe to\u00e0n di\u1ec7n<\/a><\/li>\n<li><a href=\"https:\/\/pacificcross.com.vn\/vi\/dau-tu-cho-suc-khoe-ban-than\/\">C\u00e1c c\u00e1ch \u0111\u1ea7u t\u01b0 cho s\u1ee9c kh\u1ecfe b\u1ea3n th\u00e2n<\/a><\/li>\n<li><a href=\"https:\/\/pacificcross.com.vn\/vi\/giu-suc-khoe-giua-cuoc-song-ban-ron\/\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ee9c kh\u1ecfe gi\u1eefa cu\u1ed9c s\u1ed1ng b\u1eadn r\u1ed9n?<\/a><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><em><b>Ngu\u1ed3n tham kh\u1ea3o:<\/b><\/em><\/p>\n<ul>\n<li style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Non-Life Insurance Policy: Types, Features, Benefits &amp; Importance\u00a0<\/span><\/li>\n<li style=\"text-align: justify;\"><a href=\"https:\/\/www.acko.com\/general-info\/non-life-insurance\/\"><span style=\"font-weight: 400;\">https:\/\/www.acko.com\/general-info\/non-life-insurance\/<\/span><\/a><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Non-life Insurance<\/span><\/li>\n<li style=\"text-align: justify;\"><a href=\"https:\/\/kullabs.com\/class-10\/accounts\/financial-institutions\/non-life-insurance\"><span style=\"font-weight: 400;\">https:\/\/kullabs.com\/class-10\/accounts\/financial-institutions\/non-life-insurance<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/li>\n<li style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Insurance Types: Life and General Insurance &#8211; Explained Guide<\/span><\/li>\n<li style=\"text-align: justify;\"><a href=\"https:\/\/www.bajajfinserv.in\/insights\/life-insurance-and-general-insurance\"><span style=\"font-weight: 400;\">https:\/\/www.bajajfinserv.in\/insights\/life-insurance-and-general-insurance<\/span><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd l\u00e0 bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n b\u1ea3n th\u00e2n c\u0169ng nh\u01b0 con ng\u01b0\u1eddi m\u1ed9t c\u00e1ch thi\u1ebft th\u1ef1c v\u00e0 h\u1eefu \u00edch. D\u1eabu v\u1eady, cho \u0111\u1ebfn nay v\u1eabn c\u00f2n kh\u00f4ng \u00edt c\u00e1 nh\u00e2n ch\u01b0a hi\u1ec3u r\u00f5 nh\u1eefng \u01b0u \u0111i\u1ec3m c\u1ee7a lo\u1ea1i h\u00ecnh d\u1ecbch v\u1ee5 n\u00e0y.\u00a0 B\u00e0i vi\u1ebft sau s\u1ebd \u0111em \u0111\u1ebfn c\u00e1c [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":24419,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false},"categories":[24,8],"tags":[1306,1307,1308],"acf":[],"_links":{"self":[{"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts\/24416"}],"collection":[{"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/comments?post=24416"}],"version-history":[{"count":3,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts\/24416\/revisions"}],"predecessor-version":[{"id":79491,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts\/24416\/revisions\/79491"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/media\/24419"}],"wp:attachment":[{"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/media?parent=24416"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/categories?post=24416"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/tags?post=24416"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}