{"id":25513,"date":"2021-12-10T15:00:25","date_gmt":"2021-12-10T08:00:25","guid":{"rendered":"https:\/\/pacificcross.com.vn\/?p=25513"},"modified":"2021-12-07T14:14:57","modified_gmt":"2021-12-07T07:14:57","slug":"mua-bao-hiem-y-te","status":"publish","type":"post","link":"https:\/\/pacificcross.com.vn\/vi\/mua-bao-hiem-y-te\/","title":{"rendered":"5 th\u1eafc m\u1eafc th\u01b0\u1eddng g\u1eb7p khi mua b\u1ea3o hi\u1ec3m y t\u1ebf"},"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-69e3e36c6a2c1\" 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-69e3e36c6a2c1\"  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\/mua-bao-hiem-y-te\/#1_Mua_bao_hiem_y_te_o_dau\" >1. Mua b\u1ea3o hi\u1ec3m y t\u1ebf \u1edf \u0111\u00e2u?<\/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\/mua-bao-hiem-y-te\/#2_Bao_hiem_y_te_co_bat_buoc_khong\" >2. B\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng?<\/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\/mua-bao-hiem-y-te\/#3_Bi_mat_bao_hiem_y_te_thi_nen_lam_gi\" >3. B\u1ecb m\u1ea5t b\u1ea3o hi\u1ec3m y t\u1ebf th\u00ec n\u00ean l\u00e0m g\u00ec?<\/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\/mua-bao-hiem-y-te\/#4_Cac_loi_ich_chinh_cua_cac_goi_bao_hiem_y_te_la_gi\" >4. C\u00e1c l\u1ee3i \u00edch ch\u00ednh c\u1ee7a c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m y t\u1ebf 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-5\" href=\"https:\/\/pacificcross.com.vn\/vi\/mua-bao-hiem-y-te\/#5_Yeu_to_nao_anh_huong_den_phi_bao_hiem_y_te\" >5. Y\u1ebfu t\u1ed1 n\u00e0o \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ph\u00ed b\u1ea3o hi\u1ec3m y t\u1ebf?<\/a><\/li><\/ul><\/nav><\/div>\n<p style=\"text-align: justify;\"><b>Tham gia b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3m b\u1edbt nhi\u1ec1u chi ph\u00ed khi ch\u1eb3ng may b\u1ecb \u1ed1m \u0111au, b\u1ec7nh t\u1eadt. Th\u1ebf nh\u01b0ng, d\u00f9 \u0111\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m ph\u1ed5 bi\u1ebfn nh\u01b0ng th\u1ef1c t\u1ebf, khi c\u00f3 \u00fd \u0111\u1ecbnh tham gia, b\u1ea1n c\u00f3 th\u1ec3 s\u1ebd c\u00f3 r\u1ea5t nhi\u1ec1u b\u0103n kho\u0103n m\u00e0 kh\u00f4ng bi\u1ebft \u201ct\u1ecf\u201d c\u00f9ng ai.<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Mua b\u1ea3o hi\u1ec3m y t\u1ebf (BHYT) \u1edf \u0111\u00e2u? B\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng? B\u1ecb m\u1ea5t b\u1ea3o hi\u1ec3m y t\u1ebf ph\u1ea3i l\u00e0m sao? B\u00e0i vi\u1ebft sau s\u1ebd gi\u00fap b\u1ea1n gi\u1ea3i \u0111\u00e1p nh\u1eefng b\u0103n kho\u0103n k\u1ec3 tr\u00ean c\u0169ng nh\u01b0 ph\u1ea7n n\u00e0o gi\u00fap b\u1ea1n hi\u1ec3u th\u00eam v\u1ec1 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m n\u00e0y.<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Mua_bao_hiem_y_te_o_dau\"><\/span><b>1. Mua b\u1ea3o hi\u1ec3m y t\u1ebf \u1edf \u0111\u00e2u?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">T\u00f9y thu\u1ed9c v\u00e0o \u0111\u1ed1i t\u01b0\u1ee3ng tham gia m\u00e0 s\u1ebd c\u00f3 c\u00e1c \u0111\u1ecba \u0111i\u1ec3m mua b\u1ea3o hi\u1ec3m y t\u1ebf kh\u00e1c nhau:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tham gia th\u00f4ng qua doanh nghi\u1ec7p, c\u01a1 quan, \u0111\u01a1n v\u1ecb m\u00ecnh l\u00e0m vi\u1ec7c<\/b><span style=\"font-weight: 400;\"> n\u1ebfu b\u1ea1n l\u00e0m vi\u1ec7c theo h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng, ng\u01b0\u1eddi qu\u1ea3n l\u00fd doanh nghi\u1ec7p, \u0111\u01a1n v\u1ecb s\u1ef1 nghi\u1ec7p ngo\u00e0i c\u00f4ng l\u1eadp v\u00e0 ng\u01b0\u1eddi qu\u1ea3n l\u00fd \u0111i\u1ec1u h\u00e0nh h\u1ee3p t\u00e1c x\u00e3, c\u00e1n b\u1ed9, c\u00f4ng ch\u1ee9c, vi\u00ean ch\u1ee9c, ng\u01b0\u1eddi ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng chuy\u00ean tr\u00e1ch c\u1ea5p x\u00e3.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u1ee6y ban nh\u00e2n d\u00e2n c\u1ea5p x\u00e3 ho\u1eb7c c\u01a1 quan b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (BHXH) <\/b><span style=\"font-weight: 400;\">n\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c c\u01a1 quan b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i \u0111\u00f3ng BHYT<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u1ee6y ban nh\u00e2n d\u00e2n x\u00e3<\/b><span style=\"font-weight: 400;\"> n\u1ebfu l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c ng\u00e2n s\u00e1ch nh\u00e0 n\u01b0\u1edbc \u0111\u00f3ng BHYT<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0110\u1ea1i l\u00fd thu ho\u1eb7c c\u01a1 quan BHXH<\/b><span style=\"font-weight: 400;\"> n\u1ebfu l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 1 ph\u1ea7n m\u1ee9c \u0111\u00f3ng BHYT<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tr\u01b0\u1eddng h\u1ecdc<\/b><span style=\"font-weight: 400;\"> n\u1ebfu l\u00e0 h\u1ecdc sinh, sinh vi\u00ean<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0110\u1ea1i l\u00fd thu ho\u1eb7c c\u01a1 quan BHXH<\/b><span style=\"font-weight: 400;\"> n\u1ebfu tham gia BHYT theo h\u1ed9 gia \u0111\u00ecnh.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Ngo\u00e0i b\u1ea3o hi\u1ec3m y t\u1ebf thu\u1ed9c quy\u1ec1n qu\u1ea3n l\u00fd c\u1ee7a nh\u00e0 n\u01b0\u1edbc, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn tham gia b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n hay b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe thu\u1ed9c s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a c\u00e1c c\u00f4ng ty t\u01b0 nh\u00e2n. V\u1edbi lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m y t\u1ebf, b\u1ea1n c\u00f3 th\u1ec3 li\u00ean h\u1ec7 tr\u1ef1c ti\u1ebfp c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c \u0111\u1ebfn c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1edbi thi\u1ec7u c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p.<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Bao_hiem_y_te_co_bat_buoc_khong\"><\/span><b>2. B\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u0110\u1ed1i v\u1edbi lo\u1ea1i b\u1ea3o hi\u1ec3m thu\u1ed9c quy\u1ec1n qu\u1ea3n l\u00fd c\u1ee7a nh\u00e0 n\u01b0\u1edbc, b\u1ea3o hi\u1ec3m y t\u1ebf ch\u1ec9 b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi 6 nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u00f3m do ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng \u0111\u00f3ng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u00f3m do c\u01a1 quan BHXH \u0111\u00f3ng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u00f3m do ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc \u0111\u00f3ng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u00f3m \u0111\u01b0\u1ee3c ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc h\u1ed7 tr\u1ee3 m\u1ee9c \u0111\u00f3ng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u00f3m tham gia BHYT theo h\u1ed9 gia \u0111\u00ecnh<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u00f3m do ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng \u0111\u00f3ng.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u0110\u1ed1i v\u1edbi c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe thu\u1ed9c s\u1ef1 qu\u1ea3n l\u00fd c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u00ec l\u00e0 h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n. N\u1ebfu \u0111\u00e3 tham gia b\u1ea3o hi\u1ec3m y t\u1ebf th\u00ec b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc tham gia th\u00eam b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><img loading=\"lazy\" class=\"aligncenter size-full wp-image-25514\" src=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2021\/12\/mua-bao-hiem-y-te.jpg\" alt=\"mua b\u1ea3o hi\u1ec3m y t\u1ebf\" width=\"1000\" height=\"667\" srcset=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2021\/12\/mua-bao-hiem-y-te.jpg 1000w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2021\/12\/mua-bao-hiem-y-te-300x200.jpg 300w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2021\/12\/mua-bao-hiem-y-te-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Bi_mat_bao_hiem_y_te_thi_nen_lam_gi\"><\/span><b>3. B\u1ecb m\u1ea5t b\u1ea3o hi\u1ec3m y t\u1ebf th\u00ec n\u00ean l\u00e0m g\u00ec?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">N\u1ebfu b\u1ecb m\u1ea5t th\u1ebb b\u1ea3o hi\u1ec3m y t\u1ebf, b\u1ea1n c\u00f3 th\u1ec3 l\u00e0m \u0111\u01a1n \u0111\u1ec1 ngh\u1ecb c\u1ea5p l\u1ea1i th\u1ebb \u0111\u1ec3 \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i kh\u00e1m ch\u1eefa b\u1ec7nh theo quy \u0111\u1ecbnh. H\u1ed3 s\u01a1 c\u1ea5p l\u1ea1i th\u1ebb s\u1ebd bao g\u1ed3m t\u1edd khai tham gia, \u0111i\u1ec1u ch\u1ec9nh th\u00f4ng tin b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, b\u1ea3o hi\u1ec3m y t\u1ebf; b\u1ea3ng k\u00ea khai th\u00f4ng tin (\u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng).\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">H\u1ed3 s\u01a1 s\u1ebd \u0111\u01b0\u1ee3c n\u1ed9p t\u1ea1i c\u01a1 quan b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i c\u1ea5p huy\u1ec7n ho\u1eb7c c\u1ea5p t\u1ec9nh. N\u1ebfu tham gia t\u1ea1i doanh nghi\u1ec7p, \u0111\u01a1n v\u1ecb th\u00ec n\u1ed9p h\u1ed3 s\u01a1 tr\u1ef1c ti\u1ebfp cho doanh nghi\u1ec7p, \u0111\u01a1n v\u1ecb n\u01a1i l\u00e0m vi\u1ec7c. N\u1ebfu kh\u00f4ng thay \u0111\u1ed5i th\u00f4ng tin tr\u00ean th\u1ebb BHYT th\u00ec b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c c\u1ea5p l\u1ea1i th\u1ebb trong ng\u00e0y. C\u00f2n n\u1ebfu thay \u0111\u1ed5i th\u00f4ng tin th\u00ec th\u1eddi gian c\u1ea5p l\u1ea1i th\u1ebb l\u00e0 kh\u00f4ng qu\u00e1 3 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y nh\u1eadn \u0111\u1ee7 h\u1ed3 s\u01a1 theo quy \u0111\u1ecbnh.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Trong th\u1eddi gian ch\u1edd c\u1ea5p l\u1ea1i th\u1ebb, n\u1ebfu \u0111i kh\u00e1m, ch\u1eefa b\u1ec7nh, b\u1ea1n c\u1ea7n xu\u1ea5t tr\u00ecnh gi\u1ea5y h\u1eb9n c\u1ea5p l\u1ea1i th\u1ebb do c\u01a1 quan b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i c\u1ea5p v\u00e0 gi\u1ea5y t\u1edd ch\u1ee9ng minh nh\u00e2n th\u00e2n. Trong th\u1eddi gian n\u00e0y, b\u1ea1n v\u1eabn \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m y t\u1ebf.\u00a0<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Cac_loi_ich_chinh_cua_cac_goi_bao_hiem_y_te_la_gi\"><\/span><b>4. C\u00e1c l\u1ee3i \u00edch ch\u00ednh c\u1ee7a c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m y t\u1ebf l\u00e0 g\u00ec?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 th\u1ec3 mang \u0111\u1ebfn nhi\u1ec1u quy\u1ec1n l\u1ee3i nh\u1eb1m gi\u00fap san s\u1ebb n\u1ed7i lo v\u1ec1 chi ph\u00ed khi ch\u1eb3ng may m\u1eafc b\u1ec7nh. C\u1ee5 th\u1ec3, khi tham gia BHYT thu\u1ed9c quy\u1ec1n qu\u1ea3n l\u00fd c\u1ee7a nh\u00e0 n\u01b0\u1edbc, b\u1ea1n v\u00e0 gia \u0111\u00ecnh s\u1ebd \u0111\u01b0\u1ee3c:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Kh\u00e1m ch\u1eefa b\u1ec7nh (KCB) t\u1ea1i c\u01a1 s\u1edf y t\u1ebf c\u00f3 k\u00fd H\u1ee3p \u0111\u1ed3ng KCB BHYT tr\u00ean to\u00e0n qu\u1ed1c theo quy \u0111\u1ecbnh<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chi tr\u1ea3 80 &#8211; 100% chi ph\u00ed KCB \u0111\u00fang tuy\u1ebfn<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chi tr\u1ea3 100% chi ph\u00ed KCB ngo\u1ea1i tr\u00fa b\u1ec7nh vi\u1ec7n tuy\u1ebfn huy\u1ec7n v\u00e0 KCB n\u1ed9i tr\u00fa b\u1ec7nh vi\u1ec7n tuy\u1ebfn huy\u1ec7n, t\u1ec9nh theo ph\u1ea1m vi, m\u1ee9c h\u01b0\u1edfng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u01b0\u1edfng 40% chi ph\u00ed KCB n\u1ed9i tr\u00fa t\u1ea1i b\u1ec7nh vi\u1ec7n tuy\u1ebfn Trung \u01b0\u01a1ng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chi tr\u1ea3 ti\u1ec1n thu\u1ed1c v\u00e0 d\u1ecbch v\u1ee5 y t\u1ebf theo quy \u0111\u1ecbnh<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">N\u1ebfu tham gia th\u00eam c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe c\u1ee7a c\u00e1c c\u00f4ng ty uy t\u00edn d\u00f9 \u0111\u00e3 c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf, b\u1ea1n c\u00f2n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n v\u1edbi c\u00e1c quy\u1ec1n l\u1ee3i \u201ccao c\u1ea5p\u201d h\u01a1n nh\u01b0:\u00a0<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0110\u01b0\u1ee3c ch\u1ecdn n\u01a1i kh\u00e1m ch\u1eefa b\u1ec7nh, g\u1ed3m b\u1ec7nh vi\u1ec7n nh\u00e0 n\u01b0\u1edbc, b\u1ec7nh vi\u1ec7n t\u01b0 nh\u00e2n, b\u1ec7nh vi\u1ec7n qu\u1ed1c t\u1ebf, kh\u00f4ng ph\u00e2n bi\u1ec7t c\u00f9ng tuy\u1ebfn hay kh\u00e1c tuy\u1ebfn<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u1ea1n m\u1ee9c chi tr\u1ea3 l\u1edbn, l\u00ean \u0111\u1ebfn h\u00e0ng t\u1ef7 \u0111\u1ed3ng. B\u1ed3i th\u01b0\u1eddng \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u01a1n thu\u1ed1c ngo\u00e0i quy \u0111\u1ecbnh c\u1ee7a b\u1ea3o hi\u1ec3m y t\u1ebf<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u1ed7 tr\u1ee3 chi ph\u00ed ph\u1eabu thu\u1eadt l\u00ean \u0111\u1ebfn 1.000.000.000 VN\u0110\/ng\u01b0\u1eddi\/cu\u1ed9c ph\u1eabu thu\u1eadt<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u1ed7 tr\u1ee3 chi ph\u00ed v\u1eadn chuy\u1ec3n y t\u1ebf, ph\u00ed \u0111i\u1ec1u d\u01b0\u1ee1ng t\u1ea1i nh\u00e0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u01b0\u1edfng t\u1ed1i \u0111a c\u00e1c quy\u1ec1n l\u1ee3i khi mang thai<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Mi\u1ec5n ph\u00ed b\u1ea3o hi\u1ec3m tr\u1ebb s\u01a1 sinh cho ng\u01b0\u1eddi tham gia.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m c\u00f3 ph\u1ea1m vi to\u00e0n c\u1ea7u.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><img loading=\"lazy\" class=\"aligncenter size-full wp-image-25516\" src=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2021\/12\/mua-bao-hiem-y-te-2.jpg\" alt=\"mua b\u1ea3o hi\u1ec3m y t\u1ebf\" width=\"1000\" height=\"667\" srcset=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2021\/12\/mua-bao-hiem-y-te-2.jpg 1000w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2021\/12\/mua-bao-hiem-y-te-2-300x200.jpg 300w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2021\/12\/mua-bao-hiem-y-te-2-768x512.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Yeu_to_nao_anh_huong_den_phi_bao_hiem_y_te\"><\/span><b>5. Y\u1ebfu t\u1ed1 n\u00e0o \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ph\u00ed b\u1ea3o hi\u1ec3m y t\u1ebf?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Ph\u00ed b\u1ea3o hi\u1ec3m lu\u00f4n l\u00e0 m\u1ed1i quan t\u00e2m h\u00e0ng \u0111\u1ea7u khi c\u00f3 \u00fd \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m y t\u1ebf t\u01b0 nh\u00e2n hay b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe. Th\u1ef1c t\u1ebf, kh\u00f4ng ph\u1ea3i m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1ec1u \u0111\u00f3ng c\u00f9ng m\u1ed9t m\u1ee9c ph\u00ed d\u00f9 quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u00e0 ngang nhau. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng y\u1ebfu t\u1ed1 c\u00f3 th\u1ec3 t\u00e1c \u0111\u1ed9ng:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>\u0110\u1ed9 tu\u1ed5i:<\/b><span style=\"font-weight: 400;\"> C\u00e0ng l\u1edbn tu\u1ed5i th\u00ec ph\u00ed b\u1ea3o hi\u1ec3m c\u00e0ng cao<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Gi\u1edbi t\u00ednh:<\/b><span style=\"font-weight: 400;\"> Ph\u1ee5 n\u1eef th\u01b0\u1eddng \u0111\u00f3ng ph\u00ed \u00edt h\u01a1n nam gi\u1edbi b\u1edfi theo th\u1ed1ng k\u00ea t\u1ef7 l\u1ec7 t\u1eed vong c\u1ee7a n\u1eef th\u1ea5p h\u01a1n nam<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Ngh\u1ec1 nghi\u1ec7p:<\/b><span style=\"font-weight: 400;\"> N\u1ebfu b\u1ea1n l\u00e0m nh\u1eefng c\u00f4ng vi\u1ec7c thu\u1ed9c nh\u00f3m c\u00f3 r\u1ee7i ro cao, m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m b\u1ea1n \u0111\u00f3ng s\u1ebd cao h\u01a1n.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>T\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe<\/b><span style=\"font-weight: 400;\">: \u0110\u00e2y l\u00e0 y\u1ebfu t\u1ed1 c\u00f3 \u1ea3nh h\u01b0\u1edfng l\u1edbn nh\u1ea5t. C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd xem x\u00e9t c\u1ea3 l\u1ecbch s\u1eed b\u1ec7nh c\u1ee7a gia \u0111\u00ecnh. N\u1ebfu b\u1ea1n c\u00f3 nguy c\u01a1 m\u1eafc b\u1ec7nh cao, b\u1ea1n c\u00f3 th\u1ec3 s\u1ebd ph\u1ea3i \u0111\u00f3ng nhi\u1ec1u h\u01a1n.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Th\u00f3i quen v\u00e0 s\u1edf th\u00edch:<\/b><span style=\"font-weight: 400;\"> H\u00fat thu\u1ed1c, u\u1ed1ng r\u01b0\u1ee3u v\u00e0 ch\u01a1i c\u00e1c m\u00f4n th\u1ec3 thao m\u1ea1o hi\u1ec3m c\u00f3 th\u1ec3 l\u00e0 nh\u1eefng s\u1edf th\u00edch v\u00e0 th\u00f3i quen khi\u1ebfn b\u1ea1n ph\u1ea3i ch\u1ecbu ph\u00ed b\u1ea3o hi\u1ec3m cao h\u01a1n.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m:<\/b><span style=\"font-weight: 400;\"> T\u00f9y thu\u1ed9c v\u00e0o quy\u1ec1n l\u1ee3i c\u1ee7a t\u1eebng g\u00f3i b\u1ea3o hi\u1ec3m m\u00e0 m\u1ee9c ph\u00ed c\u0169ng s\u1ebd kh\u00e1c nhau. Do \u0111\u00f3, t\u00f9y thu\u1ed9c v\u00e0o \u0111i\u1ec1u ki\u1ec7n kinh t\u1ebf c\u1ee7a gia \u0111\u00ecnh m\u00e0 b\u1ea1n h\u00e3y l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p nh\u1ea5t.<\/span><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay c\u00f3 r\u1ea5t nhi\u1ec1u n\u01a1i cung c\u1ea5p d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe nh\u01b0ng b\u1ea1n n\u00ean t\u00ecm \u0111\u1ebfn c\u00e1c c\u00f4ng ty, t\u1ed5 ch\u1ee9c uy t\u00edn ch\u1eb3ng h\u1ea1n nh\u01b0 Pacific Cross Vi\u1ec7t Nam. V\u1edbi b\u1ec1 d\u00e0y kinh nghi\u1ec7m tr\u00ean 60 n\u0103m trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe, Pacific Cross Vi\u1ec7t Nam mang \u0111\u1ebfn cho nh\u1eefng g\u00f3i b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi nhu c\u1ea7u c\u0169ng nh\u01b0 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">T\u1eeb \u0111\u00e2y, b\u1ea1n s\u1ebd lu\u00f4n an t\u00e2m, t\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng khi \u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n tr\u01b0\u1edbc nh\u1eefng nguy c\u01a1 v\u1ec1 b\u1ec7nh t\u1eadt lu\u00f4n r\u00ecnh r\u1eadp.<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Ngu\u1ed3n truy c\u1eadp\u00a0<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Health Insurance<\/span><\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.policybazaar.com\/health-insurance\/health-insurance-india\/\"><span style=\"font-weight: 400;\">https:\/\/www.policybazaar.com\/health-insurance\/health-insurance-india\/<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Health Insurance Plans<\/span><\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.starhealth.in\/health-insurance-plans\"><span style=\"font-weight: 400;\">https:\/\/www.starhealth.in\/health-insurance-plans<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Finding Health Insurance<\/span><\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.usa.gov\/finding-health-insurance\"><span style=\"font-weight: 400;\">https:\/\/www.usa.gov\/finding-health-insurance<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tham gia b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3m b\u1edbt nhi\u1ec1u chi ph\u00ed khi ch\u1eb3ng may b\u1ecb \u1ed1m \u0111au, b\u1ec7nh t\u1eadt. Th\u1ebf nh\u01b0ng, d\u00f9 \u0111\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m ph\u1ed5 bi\u1ebfn nh\u01b0ng th\u1ef1c t\u1ebf, khi c\u00f3 \u00fd \u0111\u1ecbnh tham gia, b\u1ea1n c\u00f3 th\u1ec3 s\u1ebd c\u00f3 r\u1ea5t nhi\u1ec1u b\u0103n kho\u0103n m\u00e0 kh\u00f4ng bi\u1ebft \u201ct\u1ecf\u201d c\u00f9ng [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":25518,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false},"categories":[24,8],"tags":[1234,1335,1400,1398,1399],"acf":[],"_links":{"self":[{"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts\/25513"}],"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=25513"}],"version-history":[{"count":0,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts\/25513\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/media\/25518"}],"wp:attachment":[{"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/media?parent=25513"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/categories?post=25513"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/tags?post=25513"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}