{"id":27345,"date":"2022-12-24T07:01:42","date_gmt":"2022-12-24T00:01:42","guid":{"rendered":"https:\/\/pacificcross.com.vn\/?p=27345"},"modified":"2022-12-24T11:32:21","modified_gmt":"2022-12-24T04:32:21","slug":"bao-hiem-hoa-hoan-la-gi","status":"publish","type":"post","link":"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-hoa-hoan-la-gi\/","title":{"rendered":"B\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n l\u00e0 g\u00ec? Quy\u1ec1n l\u1ee3i b\u1ed3i th\u01b0\u1eddng v\u00e0 th\u1eddi \u0111i\u1ec3m n\u00ean mua?"},"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-69e1b4da32372\" 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-69e1b4da32372\"  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-hoa-hoan-la-gi\/#1_Bao_hiem_hoa_hoan_la_gi\" >1. B\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n 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-hoa-hoan-la-gi\/#2_Cach_thuc_hoat_dong_cua_bao_hiem_hoa_hoan\" >2. C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n<\/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-hoa-hoan-la-gi\/#3_Quyen_loi_boi_thuong_nhu_the_nao\" >3. Quy\u1ec1n l\u1ee3i b\u1ed3i th\u01b0\u1eddng nh\u01b0 th\u1ebf n\u00e0o?<\/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-hoa-hoan-la-gi\/#4_Khi_nao_nen_mua_bao_hiem_hoa_hoan\" >4. Khi n\u00e0o n\u00ean mua b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n?<\/a><\/li><\/ul><\/nav><\/div>\n<p><b><i>T\u1eeb l\u00e2u, b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n \u0111\u00e3 kh\u00f4ng c\u00f2n qu\u00e1 xa l\u1ea1 \u0111\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c doanh nghi\u1ec7p s\u1ea3n xu\u1ea5t v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Trong b\u00e0i vi\u1ebft b\u00ean d\u01b0\u1edbi, h\u00e3y c\u00f9ng t\u00ecm hi\u1ec3u m\u1ed9t s\u1ed1 th\u00f4ng tin v\u1ec1 v\u1ea5n \u0111\u1ec1 b\u1ed3i th\u01b0\u1eddng c\u0169ng nh\u01b0 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m n\u00e0y.\u00a0<\/i><\/b><\/p>\n<h2><span class=\"ez-toc-section\" id=\"1_Bao_hiem_hoa_hoan_la_gi\"><\/span><strong>1. B\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c k\u00fd k\u1ebft gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi mua, nh\u1eb1m \u0111\u1ea3m b\u1ea3o t\u00e0i s\u1ea3n tr\u01b0\u1edbc nh\u1eefng thi\u1ec7t h\u1ea1i v\u00e0 t\u1ed5n th\u1ea5t do h\u1ecfa ho\u1ea1n g\u00e2y ra. Trong lo\u1ea1i h\u1ee3p \u0111\u1ed3ng k\u00fd n\u00e0y, thi\u1ec7t h\u1ea1i ch\u1ec9 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng khi x\u1ea3y ra c\u00e1c r\u1ee7i ro \u0111\u01b0\u1ee3c n\u00eau r\u00f5, c\u1ee5 th\u1ec3 nh\u01b0:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ho\u1ea3 ho\u1ea1n; s\u00e9t \u0111\u00e1nh v\u00e0 n\u1ed5<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">M\u00e1y bay v\u00e0 c\u00e1c <a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-hang-khong\/\">ph\u01b0\u01a1ng ti\u1ec7n h\u00e0ng kh\u00f4ng<\/a> ho\u1eb7c c\u00e1c thi\u1ebft b\u1ecb tr\u00ean ph\u01b0\u01a1ng ti\u1ec7n \u0111\u00f3 r\u01a1i tr\u00fang<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">G\u00e2y r\u1ed1i, \u0111\u00ecnh c\u00f4ng, b\u1ebf x\u01b0\u1edfng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Thi\u1ec7t h\u1ea1i do h\u00e0nh \u0111\u1ed9ng \u00e1c \u00fd<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0110\u1ed9ng \u0111\u1ea5t hay n\u00fai l\u1eeda phun<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gi\u00f4ng v\u00e0 b\u00e3o<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Gi\u00f4ng, b\u00e3o, l\u1ee5t<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tr\u00e0n n\u01b0\u1edbc t\u1eeb c\u00e1c b\u1ec3, thi\u1ebft b\u1ecb ch\u1ee9a n\u01b0\u1edbc hay \u0111\u01b0\u1eddng \u1ed1ng d\u1eabn n\u01b0\u1edbc<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0110\u00e2m va b\u1edfi xe c\u1ed9 v\u00e0 s\u00fac v\u1eadt<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Ba lo\u1ea1i h\u00ecnh ph\u1ed5 bi\u1ebfn m\u00e0 ng\u01b0\u1eddi mua c\u00f3 th\u1ec3 ch\u1ecdn \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n c\u1ee7a b\u1ea3n th\u00e2n ho\u1eb7c doanh nghi\u1ec7p g\u1ed3m:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-chay-no\/\"><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n v\u00e0 c\u00e1c r\u1ee7i ro \u0111\u1eb7c bi\u1ec7t<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c theo Ngh\u1ecb \u0111\u1ecbnh 23 c\u1ee7a Ch\u00ednh ph\u1ee7<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/\"><span style=\"font-weight: 400;\">B\u1ea3o hi\u1ec3m m\u1ecdi r\u1ee7i ro t\u00e0i s\u1ea3n<\/span><\/a><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"2_Cach_thuc_hoat_dong_cua_bao_hiem_hoa_hoan\"><\/span><strong>2. C\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">T\u01b0\u01a1ng t\u1ef1 nh\u01b0 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n kh\u00e1c, sau \u0111\u00e2y l\u00e0 th\u1ee7 t\u1ee5c \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n khi k\u00fd k\u1ebft b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u00ean mua s\u1ebd ph\u1ea3i k\u00ea khai \u0111\u1ea7y \u0111\u1ee7 v\u00e0 \u0111\u00fang s\u1ef1 th\u1ef1c danh m\u1ee5c t\u00e0i s\u1ea3n c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo t\u1eebng \u0111\u01a1n v\u1ecb r\u1ee7i ro. <strong>L\u01b0u \u00fd, h\u1ee3p \u0111\u1ed3ng s\u1ebd kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb trong tr\u01b0\u1eddng h\u1ee3p k\u00ea khai sai ho\u1eb7c kh\u00f4ng khai b\u00e1o nh\u1eefng chi ti\u1ebft quan tr\u1ecdng v\u1ec1 t\u00e0i s\u1ea3n y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m.<\/strong><\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u00ean b\u00e1n ph\u1ea3i ki\u1ec3m ch\u1ee9ng v\u00e0 \u0111\u1ecbnh gi\u00e1 s\u1ed1 l\u01b0\u1ee3ng t\u00e0i s\u1ea3n theo t\u1eebng m\u1ee5c c\u1ee5 th\u1ec3 kh\u00e1c nhau<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00f4ng ty b\u00e1n c\u0169ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u ng\u01b0\u1eddi mua cung c\u1ea5p v\u1ecb tr\u00ed t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c k\u00ea khai v\u00e0 s\u01a1 \u0111\u1ed3 h\u1ec7 th\u1ed1ng ph\u00f2ng ch\u00e1y ch\u1eefa ch\u00e1y (PCCC) \u0111\u1ec3 gi\u00e1m \u0111\u1ecbnh vi\u00ean ho\u1eb7c c\u1ed9ng t\u00e1c vi\u00ean c\u00f3 th\u1ec3 \u0111\u1ebfn xem, g\u00f3p \u00fd ho\u1eb7c y\u00eau c\u1ea7u b\u1ed5 sung v\u00e0o h\u1ec7 th\u1ed1ng PCCC<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Hai b\u00ean \u0111\u1ea1t th\u1ecfa thu\u1eadn v\u1ec1 ph\u00ed b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 m\u1ed9t s\u1ed1 quy \u0111\u1ecbnh chung tr\u01b0\u1edbc khi \u0111i \u0111\u1ebfn b\u01b0\u1edbc c\u00f9ng l\u00e0 k\u00fd k\u1ebft<\/span><\/li>\n<\/ul>\n<div id=\"attachment_27372\" style=\"width: 1010px\" class=\"wp-caption aligncenter\"><img aria-describedby=\"caption-attachment-27372\" loading=\"lazy\" class=\"wp-image-27372 size-full\" src=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-hoa-hoan-1.jpg\" alt=\"b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n\" width=\"1000\" height=\"699\" srcset=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-hoa-hoan-1.jpg 1000w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-hoa-hoan-1-300x210.jpg 300w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-hoa-hoan-1-768x537.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><p id=\"caption-attachment-27372\" class=\"wp-caption-text\"><em>B\u1ea3o hi\u1ec3m khi c\u00f3 s\u1ef1 c\u1ed1 h\u1ecfa ho\u1ea1n l\u00e0 m\u1ed9t \u0111i\u1ec1u r\u1ea5t c\u1ea7n thi\u1ebft.<\/em><\/p><\/div>\n<p><span style=\"font-weight: 400;\"><strong>Th\u00f4ng th\u01b0\u1eddng, th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng l\u00e0 m\u1ed9t n\u0103m ho\u1eb7c ng\u1eafn h\u1ea1n, nh\u01b0ng t\u00f9y thu\u1ed9c v\u00e0o y\u00eau c\u1ea7u c\u1ee7a b\u00ean mua b\u1ea3o hi\u1ec3m m\u00e0 th\u1eddi gian c\u00f3 th\u1ec3 k\u00e9o d\u00e0i theo h\u00ecnh th\u1ee9c k\u00fd d\u00e0i h\u1ea1n ho\u1eb7c \u0111\u00e1o h\u1ea1n v\u00e0 t\u00e1i k\u00fd m\u1ed7i n\u0103m.<\/strong> T\u1ed5ng s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ed1 l\u01b0\u1ee3ng t\u00e0i s\u1ea3n, m\u1ee9c \u0111\u1ed9 t\u0103ng gi\u1ea3m th\u01b0\u1eddng xuy\u00ean hay kh\u00f4ng. Hi\u1ec7n nay, tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 hai c\u00e1ch t\u00ednh ti\u1ec1n ph\u1ed5 bi\u1ebfn, bao g\u1ed3m:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Gi\u00e1 tr\u1ecb trung b\u00ecnh<\/strong>: \u01af\u1edbc t\u00ednh trung b\u00ecnh t\u1ed5ng gi\u00e1 tr\u1ecb h\u00e0ng h\u00f3a c\u1ea7n b\u1ea3o hi\u1ec3m \u0111\u00e3\u00a0 \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea trong danh m\u1ee5c t\u00e0i s\u1ea3n. Khi t\u1ed5n th\u1ea5t x\u1ea3y ra, ng\u01b0\u1eddi mua s\u1ebd \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 gi\u00e1 tr\u1ecb trung b\u00ecnh.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Gi\u00e1 tr\u1ecb t\u1ed1i \u0111a (c\u00f2n g\u1ecdi l\u00e0 gi\u00e1 tr\u1ecb \u0111i\u1ec1u ch\u1ec9nh)<\/strong>: \u01b0\u1edbc t\u00ednh t\u1ed5ng gi\u00e1 tr\u1ecb t\u1ed1i \u0111a c\u1ee7a h\u00e0ng h\u00f3a thu\u1ed9c danh m\u1ee5c k\u00ea khai, trong th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh tr\u00ean c\u01a1 s\u1edf n\u00e0y. Tuy nhi\u00ean, th\u1eddi gian \u0111\u00f3ng v\u00e0 s\u1ed1 ti\u1ec1n ph\u1ea3i \u0111\u00f3ng s\u1ebd ph\u1ee5 thu\u1ed9c th\u1ecfa thu\u1eadn c\u1ee7a hai b\u00ean. Khi t\u1ed5n th\u1ea5t x\u1ea3y ra v\u1eabn \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng theo th\u1ef1c t\u1ebf nh\u01b0ng kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 gi\u00e1 tr\u1ecb t\u1ed1i \u0111a.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"3_Quyen_loi_boi_thuong_nhu_the_nao\"><\/span><strong>3. Quy\u1ec1n l\u1ee3i b\u1ed3i th\u01b0\u1eddng nh\u01b0 th\u1ebf n\u00e0o?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">M\u1ed9t v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c quan t\u00e2m r\u1ea5t nhi\u1ec1u khi tham gia b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n \u0111\u00f3 l\u00e0 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n l\u00e0 g\u00ec, tr\u01b0\u1eddng h\u1ee3p n\u00e0o \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng? Ph\u1ea7n n\u1ed9i dung sau \u0111\u00e2y s\u1ebd l\u00e0 c\u00e2u tr\u1ea3 l\u1eddi d\u00e0nh cho b\u1ea1n! Th\u1eddi h\u1ea1n \u0111\u1ec1n b\u00f9 c\u1ee7a b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n th\u01b0\u1eddng l\u00e0 30 ng\u00e0y k\u1ec3 t\u1eeb khi nh\u1eadn \u0111\u01b0\u1ee3c \u0111\u1ea7y \u0111\u1ee7 h\u1ed3 s\u01a1 h\u1ee3p l\u1ec7 t\u1eeb ng\u01b0\u1eddi y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. Khi c\u00f3 s\u1ef1 c\u1ed1 x\u1ea3y ra, b\u00ean mua s\u1ebd \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng theo hai h\u00ecnh th\u1ee9c:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf. S\u1ed1 ti\u1ec1n ng\u01b0\u1eddi mua nh\u1eadn \u0111\u01b0\u1ee3c ph\u1ee5 thu\u1ed9c v\u00e0o s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 gi\u00e1 tr\u1ecb th\u1ef1c t\u1ebf c\u1ee7a t\u00e0i s\u1ea3n \u0111\u00f3 t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1ea3y ra t\u1ed5n th\u1ea5t.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S\u1eeda ch\u1eefa ho\u1eb7c thay th\u1ebf m\u1ed9t ph\u1ea7n hay to\u00e0n b\u1ed9 t\u00e0i s\u1ea3n b\u1ecb thi\u1ec7t h\u1ea1i.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Tuy nhi\u00ean, m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1ed3i th\u01b0\u1eddng d\u1ef1a theo lu\u1eadt Vi\u1ec7t Nam ho\u1eb7c thu\u1ed9c nh\u1eefng t\u1ed5n th\u1ea5t ph\u00e1t sinh t\u1eeb c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">M\u1ea5t tr\u1ed9m sau khi x\u1ea3y ra ch\u00e1y n\u1ed5<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u1eefng t\u1ed5n th\u1ea5t x\u1ea3y ra do s\u1ef1 ki\u1ec7n t\u1ef1 nhi\u00ean, t\u1ef1 \u0111\u1ed1t ch\u00e1y ho\u1eb7c thi\u1ec7t h\u1ea1i trong qu\u00e1 tr\u00ecnh s\u1ea3n xu\u1ea5t m\u00e0 kh\u00f4ng tu\u00e2n th\u1ee7 quy \u0111\u1ecbnh PCCC<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chi\u1ebfn tranh, s\u1ef1 x\u00e2m l\u01b0\u1ee3c, h\u00e0nh \u0111\u1ed9ng th\u00f9 \u0111\u1ecbch, chi\u1ebfn s\u1ef1 ho\u1eb7c h\u00e0nh \u0111\u1ed9ng hi\u1ebfu chi\u1ebfn c\u1ee7a n\u01b0\u1edbc ngo\u00e0i (d\u00f9 c\u00f3 tuy\u00ean chi\u1ebfn hay kh\u00f4ng), n\u1ed9i chi\u1ebfn.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0110\u1ed9ng \u0111\u1ea5t, n\u00fai l\u1eeda ho\u1eb7c ch\u1ea5n \u0111\u1ed9ng t\u1ef1 nhi\u00ean kh\u00e1c<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u00e3o, b\u00e3o gi\u1eadt, l\u1ed1c, gi\u00f3 xo\u00e1y, ho\u1eb7c c\u00e1c hi\u1ec7n t\u01b0\u1ee3ng x\u00e1o tr\u1ed9n t\u1ea7ng kh\u00ed quy\u1ec3n kh\u00e1c<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"4_Khi_nao_nen_mua_bao_hiem_hoa_hoan\"><\/span><strong>4. Khi n\u00e0o n\u00ean mua b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 trong b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n kh\u00e1 \u0111\u1eb7c th\u00f9 bao g\u1ed3m:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u00e0 c\u1eeda ho\u1eb7c c\u00e1c c\u00f4ng tr\u00ecnh ki\u1ebfn tr\u00fac c\u00f3 gi\u00e1 tr\u1ecb th\u01b0\u01a1ng m\u1ea1i l\u1edbn<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00e1c trang thi\u1ebft b\u1ecb, m\u00e1y m\u00f3c \u0111\u01b0\u1ee3c nh\u1eadp kh\u1ea9u ho\u1eb7c c\u00f3 nguy c\u01a1 ch\u00e1y n\u1ed5 cao<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u00e0ng ho\u00e1, v\u1eadt t\u01b0 v\u00e0 m\u1ed9t s\u1ed1 t\u00e0i s\u1ea3n \u0111\u1ecbnh danh kh\u00e1c<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Do \u0111\u00f3, ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m th\u01b0\u1eddng l\u00e0 ch\u1ee7 doanh nghi\u1ec7p, ch\u1ee7 chung c\u01b0, trung t\u00e2m th\u01b0\u01a1ng m\u1ea1i ho\u1eb7c c\u00e1c doanh nghi\u1ec7p s\u1ea3n xu\u1ea5t, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u00e0nh c\u00f3 nguy c\u01a1 ch\u00e1y n\u1ed5 c\u00e1o nh\u01b0 ng\u00e0nh may m\u1eb7c, da gi\u1ea7y, t\u00fai x\u00e1ch; nh\u1eefng ng\u00e0nh trong l\u0129nh v\u1ef1c \u0111i\u1ec7n t\u1eed l\u1eafp r\u00e1p; ng\u00e0nh cao su, nh\u1ef1a, bao b\u00ec, gi\u1ea5y,\u2026<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Tr\u00ean \u0111\u00e2y l\u00e0 c\u00e1c quy t\u1eafc b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n v\u00e0 c\u00e1c r\u1ee7i ro \u0111\u1eb7c bi\u1ec7t, hy v\u1ecdng <a href=\"https:\/\/pacificcross.com.vn\/vi\/health-insurance-select-app\">Pacific Cross Vi\u1ec7t Nam<\/a> \u0111\u00e3 cung c\u1ea5p cho b\u1ea1n m\u1ed9t c\u00e1i nh\u00ecn t\u1ed5ng quan h\u01a1n v\u1ec1 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m n\u00e0y. <\/span><\/p>\n<p style=\"text-align: justify;\"><b>Ngu\u1ed3n tham kh\u1ea3o:<\/b><\/p>\n<p>Fire Insurance<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.investopedia.com\/terms\/f\/fire-insurance.asp\"><span style=\"font-weight: 400;\">https:\/\/www.investopedia.com\/terms\/f\/fire-insurance.asp<\/span><\/a><\/p>\n<p>Fire Insurance<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.policybazaar.com\/commercial-insurance\/fire-insurance\/#why-is-fire-insurance-important\"><span style=\"font-weight: 400;\">https:\/\/www.policybazaar.com\/commercial-insurance\/fire-insurance\/#why-is-fire-insurance-important<\/span><\/a><\/p>\n<p>Does Homeowners Insurance Cover Fire Damage?<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.allstate.com\/tr\/home-insurance\/fire-insurance-coverage.aspx\"><span style=\"font-weight: 400;\">https:\/\/www.allstate.com\/tr\/home-insurance\/fire-insurance-coverage.aspx<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u1eeb l\u00e2u, b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n \u0111\u00e3 kh\u00f4ng c\u00f2n qu\u00e1 xa l\u1ea1 \u0111\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi, \u0111\u1eb7c bi\u1ec7t l\u00e0 c\u00e1c doanh nghi\u1ec7p s\u1ea3n xu\u1ea5t v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n. Trong b\u00e0i vi\u1ebft b\u00ean d\u01b0\u1edbi, h\u00e3y c\u00f9ng t\u00ecm hi\u1ec3u m\u1ed9t s\u1ed1 th\u00f4ng tin v\u1ec1 v\u1ea5n \u0111\u1ec1 b\u1ed3i th\u01b0\u1eddng c\u0169ng nh\u01b0 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a lo\u1ea1i h\u00ecnh [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":27368,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false},"categories":[8],"tags":[1470,1471],"acf":[],"_links":{"self":[{"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts\/27345"}],"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=27345"}],"version-history":[{"count":0,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts\/27345\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/media\/27368"}],"wp:attachment":[{"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/media?parent=27345"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/categories?post=27345"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/tags?post=27345"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}