{"id":27846,"date":"2022-12-24T07:43:03","date_gmt":"2022-12-24T00:43:03","guid":{"rendered":"https:\/\/pacificcross.com.vn\/?p=27846"},"modified":"2022-12-24T12:35:19","modified_gmt":"2022-12-24T05:35:19","slug":"bao-hiem-tai-san","status":"publish","type":"post","link":"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/","title":{"rendered":"B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n: \u0110\u1ecbnh ngh\u0129a, ph\u00e2n lo\u1ea1i v\u00e0 quy\u1ec1n l\u1ee3i khi 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-69ec99f48ee6f\" 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-69ec99f48ee6f\"  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-tai-san\/#1_Bao_hiem_tai_san_la_gi\" >1. B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n 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-tai-san\/#2_Cac_loai_bao_hiem_tai_san_pho_bien_hien_nay\" >2. C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n ph\u1ed5 bi\u1ebfn hi\u1ec7n nay<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/#Bao_hiem_chay_no_bat_buoc\" >B\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5 b\u1eaft bu\u1ed9c<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/#Bao_hiem_hoa_hoan_va_cac_rui_ro_dac_biet\" >B\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n v\u00e0 c\u00e1c r\u1ee7i ro \u0111\u1eb7c bi\u1ec7t\u00a0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/#Bao_hiem_moi_rui_ro_tai_san_la_gi\" >B\u1ea3o hi\u1ec3m m\u1ecdi r\u1ee7i ro t\u00e0i s\u1ea3n l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/#Bao_hiem_chay_no_nha_chung_cu\" >B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/#Bao_hiem_gian_doan_kinh_doanh\" >B\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/#3_Quyen_loi_khi_tham_gia_bao_hiem_tai_san_la_gi\" >3. Quy\u1ec1n l\u1ee3i khi tham gia b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n l\u00e0 g\u00ec?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/#Nguyen_tac_boi_thuong_trong_bao_hiem_tai_san\" >Nguy\u00ean t\u1eafc b\u1ed3i th\u01b0\u1eddng trong b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/#Hinh_thuc_boi_thuong\" >H\u00ecnh th\u1ee9c b\u1ed3i th\u01b0\u1eddng<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/#4_Bao_hiem_tai_san_danh_cho_ai\" >4. B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n d\u00e0nh cho ai?<\/a><\/li><\/ul><\/nav><\/div>\n<p style=\"text-align: justify;\"><b><i>B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay, v\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c th\u1ec3 hi\u1ec7n kh\u00e1c nhau.\u00a0<\/i><\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Trong b\u00e0i vi\u1ebft b\u00ean d\u01b0\u1edbi, h\u00e3y c\u00f9ng Pacific Cross Vi\u1ec7t Nam t\u00ecm hi\u1ec3u v\u1ec1 nh\u1eefng \u0111i\u1ec3m ch\u00ednh nh\u01b0 kh\u00e1i ni\u1ec7m, \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee7a b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n l\u00e0 g\u00ec v\u00e0 c\u00e1ch th\u1ee9c b\u1ed3i th\u01b0\u1eddng nh\u01b0 th\u1ebf n\u00e0o.\u00a0<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"1_Bao_hiem_tai_san_la_gi\"><\/span><b>1. B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n l\u00e0 g\u00ec?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u0110\u00e2y l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c \u0111\u01b0\u1ee3c k\u00fd k\u1ebft gi\u1eefa hai b\u00ean mua v\u00e0 b\u00e1n b\u1ea3o hi\u1ec3m nh\u1eb1m \u0111\u1ea3m b\u1ea3o t\u00e0i s\u1ea3n tr\u01b0\u1edbc nh\u1eefng tai n\u1ea1n b\u1ea5t ng\u1edd. T\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 s\u1ebd bao g\u1ed3m t\u00e0i s\u1ea3n c\u00f3 th\u1ef1c, t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb v\u1eadt ch\u1ea5t \u0111\u01b0\u1ee3c quy \u0111\u1ed5i th\u00e0nh ti\u1ec1n v\u00e0 c\u00e1c quy\u1ec1n v\u1ec1 ki\u1ec3m so\u00e1t t\u00e0i s\u1ea3n \u0111\u00f3, c\u1ee5 th\u1ec3 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;\">Nh\u00e0 c\u1eeda<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">M\u00e1y m\u00f3c<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u00e0ng h\u00f3a nh\u01b0 gia s\u00fac, gia c\u1ea7m ho\u1eb7c m\u00f9a m\u00e0ng,&#8230;<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ph\u01b0\u01a1ng ti\u1ec7n v\u1eadn t\u1ea3i<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ti\u1ec1n v\u00e0 c\u00e1c gi\u1ea5y t\u1edd tr\u1ecb gi\u00e1 \u0111\u01b0\u1ee3c b\u1eb1ng ti\u1ec1n<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Cac_loai_bao_hiem_tai_san_pho_bien_hien_nay\"><\/span><b>2. C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n ph\u1ed5 bi\u1ebfn hi\u1ec7n nay<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bao_hiem_chay_no_bat_buoc\"><\/span><b><a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-chay-no\/\">B\u1ea3o hi\u1ec3m ch\u00e1y, n\u1ed5<\/a> b\u1eaft bu\u1ed9c<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u0110\u00e2y l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m cho c\u00e1c r\u1ee7i ro ch\u00e1y, n\u1ed5 m\u00e0 nhi\u1ec1u doanh nghi\u1ec7p b\u1eaft bu\u1ed9c mua theo Ngh\u1ecb \u0111\u1ecbnh s\u1ed1 23\/2018\/N\u0110-CP ng\u00e0y 23\/02\/2018, cho c\u00e1c t\u00e0i s\u1ea3n sau:\u00a0<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u00e0 c\u1eeda<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00f4ng tr\u00ecnh ki\u1ebfn tr\u00fac<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">M\u00e1y m\u00f3c v\u00e0 c\u00e1c trang thi\u1ebft b\u1ecb<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u00e0ng h\u00f3a, v\u1eadt t\u01b0 v\u00e0 m\u1ed9t s\u1ed1 t\u00e0i s\u1ea3n kh\u00e1c<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bao_hiem_hoa_hoan_va_cac_rui_ro_dac_biet\"><\/span><b><a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-hoa-hoan-la-gi\/\">B\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n<\/a> v\u00e0 c\u00e1c r\u1ee7i ro \u0111\u1eb7c bi\u1ec7t\u00a0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u0110\u00e2y l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n tr\u01b0\u1edbc nh\u1eefng thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t ng\u1eabu nhi\u00ean, b\u1ea5t ng\u1edd, kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c 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;\">Ho\u1ea3 ho\u1ea1n v\u00e0 s\u00e9t \u0111\u00e1nh g\u00e2y n\u1ed5<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">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 ph\u01b0\u01a1ng ti\u1ec7n h\u00e0ng kh\u00f4ng kh\u00e1c 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 v\u00e0 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 do xe c\u1ed9 v\u00e0 s\u00fac v\u1eadt<\/span><\/li>\n<\/ul>\n<p><img loading=\"lazy\" class=\"aligncenter wp-image-27850 size-large\" src=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-tai-san-1-1024x675.jpg\" alt=\"b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n l\u00e0 g\u00ec\" width=\"1024\" height=\"675\" srcset=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-tai-san-1-1024x675.jpg 1024w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-tai-san-1-300x198.jpg 300w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-tai-san-1-768x506.jpg 768w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-tai-san-1-1536x1013.jpg 1536w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-tai-san-1-2048x1350.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bao_hiem_moi_rui_ro_tai_san_la_gi\"><\/span><b>B\u1ea3o hi\u1ec3m m\u1ecdi r\u1ee7i ro t\u00e0i s\u1ea3n l\u00e0 g\u00ec?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u0110\u00e2y l\u00e0 <a href=\"https:\/\/pacificcross.com.vn\/vi\/bao-hiem-tai-san\/\">s\u1ef1 b\u1ea3o v\u1ec7 d\u00e0nh cho m\u1ecdi t\u00e0i s\u1ea3n<\/a> v\u1eadt ch\u1ea5t h\u1eefu h\u00ecnh c\u00f3 kh\u1ea3 n\u0103ng b\u1ecb t\u1ed5n th\u1ea5t, thi\u1ec7t h\u1ea1i, h\u1ee7y ho\u1ea1i v\u00e0 c\u00f3 th\u1ec3 t\u00ednh \u0111\u01b0\u1ee3c b\u1eb1ng ti\u1ec1n g\u1ed3m:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u1ea5t \u0111\u1ed9ng s\u1ea3n (kh\u00f4ng bao g\u1ed3m \u0111\u1ea5t) v\u00e0 t\u1ea5t c\u1ea3 \u0111\u1ed9ng s\u1ea3n g\u1eafn v\u1edbi ch\u00fang<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00e1c lo\u1ea1i m\u00e1y m\u00f3c, thi\u1ebft b\u1ecb<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u00e0ng h\u00f3a g\u1ed3m th\u00e0nh ph\u1ea9m, b\u00e1n th\u00e0nh ph\u1ea9m, nguy\u00ean nhi\u00ean v\u1eadt li\u1ec7u, s\u1ea3n ph\u1ea9m d\u1edf dang, s\u1ed5 s\u00e1ch k\u1ebf to\u00e1n, b\u1ea3n v\u1ebd, m\u00f4 h\u00ecnh<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00e1c t\u00e0i s\u1ea3n kh\u00e1c kh\u00f4ng b\u1ecb lo\u1ea1i tr\u1eeb trong ph\u1ea7n &#8220;C\u00e1c t\u00e0i s\u1ea3n b\u1ecb lo\u1ea1i tr\u1eeb&#8221;\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">H\u1ee3p \u0111\u1ed3ng c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng cho c\u00e1c t\u00e0i s\u1ea3n nh\u01b0 ti\u1ec1n, v\u1eadt qu\u00fd hi\u1ebfm, s\u00e1ch qu\u00fd ho\u1eb7c c\u00e1c t\u00e1c ph\u1ea9m ngh\u1ec7 thu\u1eadt.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bao_hiem_chay_no_nha_chung_cu\"><\/span><b>B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">M\u1ed9t h\u00ecnh th\u1ee9c gi\u1eef g\u00ecn v\u00e0 b\u1ea3o v\u1ec7 d\u00e0nh cho t\u1ed5 \u1ea5m th\u00e2n y\u00eau c\u1ee7a ng\u01b0\u1eddi mua v\u00e0 gia \u0111\u00ecnh. Nh\u1eefng thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t do ch\u00e1y n\u1ed5 s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ec1n b\u00f9. \u0110\u1ed1i t\u01b0\u1ee3ng s\u1edf h\u1eefu g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y th\u01b0\u1eddng ph\u1ea3i th\u1ecfa c\u00e1c \u0111i\u1ec1u ki\u1ec7n:\u00a0<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Nh\u00e0 nhi\u1ec1u t\u1ea7ng, c\u00e1c c\u00f4ng ty th\u01b0\u1eddng quy \u0111\u1ecbnh t\u1eeb 4 \u0111\u1ebfn 5 t\u1ea7ng<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Th\u1eddi gian t\u1eeb khi ho\u00e0n c\u00f4ng v\u00e0 \u0111\u01b0a v\u00e0o s\u1eed d\u1ee5ng cho \u0111\u1ebfn khi b\u1eaft \u0111\u1ea7u hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m kh\u00f4ng qu\u00e1 20 &#8211; 25 n\u0103m.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">M\u1ed9t s\u1ed1 b\u00ean c\u00f2n y\u00eau c\u1ea7u \u0111\u1ed1i v\u1edbi nh\u00e0 bi\u1ec7t th\u1ef1 l\u00e0 ph\u1ea3i \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c \u0111\u01b0\u1eddng ti\u1ebfp c\u1eadn cho c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n c\u1ee9u h\u1ed9 trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra s\u1ef1 c\u1ed1.\u00a0<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Bao_hiem_gian_doan_kinh_doanh\"><\/span><b>B\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Lo\u1ea1i h\u00ecnh b\u1ea3o v\u1ec7 tr\u01b0\u1edbc nh\u1eefng m\u1ea5t m\u00e1t do s\u1ef1 gi\u00e1n \u0111o\u1ea1n kinh doanh v\u00ec m\u1ed9t s\u1ed1 r\u1ee7i ro nh\u1ea5t \u0111\u1ecbnh. Nh\u1eefng m\u1ea5t m\u00e1t n\u00e0y c\u00f3 th\u1ec3 g\u1ed3m gi\u1ea3m s\u00fat l\u1ee3i nhu\u1eadn\u00a0 g\u1ed9p do gi\u1ea3m doanh thu, thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t, gia t\u0103ng v\u1ec1 chi ph\u00ed kinh doanh. Ph\u1ea1m vi b\u1ea3o v\u1ec7 c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd g\u1ed3m:\u00a0<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">B\u1ed3i th\u01b0\u1eddng l\u1ee3i nhu\u1eadn v\u00e0 m\u1ed9t s\u1ed1 chi ph\u00ed c\u1ed1 \u0111\u1ecbnh (n\u1ebfu c\u00f3) m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 trong khi ng\u1eebng kinh doanh v\u00ec c\u00e1c thi\u1ec7t h\u1ea1i b\u1ea5t ng\u1edd x\u1ea3y ra v\u1edbi t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Chi tr\u1ea3 th\u00eam c\u00e1c chi ph\u00ed kh\u00e1c\u00a0 \u0111\u1ec3 gi\u1ea3m thi\u1ec3u t\u1ed5n th\u1ea5t do h\u1eadu qu\u1ea3 c\u1ee7a vi\u1ec7c kinh doanh b\u1ecb \u1ea3nh h\u01b0\u1edfng nh\u01b0 ph\u00ed t\u1ea1m thu\u00ea nh\u00e0 x\u01b0\u1edfng ho\u1eb7c m\u00e1y m\u00f3c, chi ph\u00ed t\u0103ng ca, c\u01b0\u1edbc ph\u00ed v\u1eadn chuy\u1ec3n kh\u1ea9n c\u1ea5p,\u2026<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">C\u00e1c chi ph\u00ed kh\u00f4ng tr\u1ef1c ti\u1ebfp gi\u1ea3m thi\u1ec3u t\u1ed5n th\u1ea5t c\u1ee7a vi\u1ec7c gi\u00e1n \u0111o\u1ea1n kinh doanh ch\u1ec9 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng n\u1ebfu c\u00f3 th\u1ecfa thu\u1eadn ri\u00eang<\/span><\/li>\n<\/ul>\n<p><img loading=\"lazy\" class=\"aligncenter size-full wp-image-27854\" src=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-tai-san-2.jpg\" alt=\"b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n\" width=\"1000\" height=\"665\" srcset=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-tai-san-2.jpg 1000w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-tai-san-2-300x200.jpg 300w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2022\/01\/bao-hiem-tai-san-2-768x511.jpg 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Quyen_loi_khi_tham_gia_bao_hiem_tai_san_la_gi\"><\/span><b>3. Quy\u1ec1n l\u1ee3i khi tham gia b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n l\u00e0 g\u00ec?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Nguyen_tac_boi_thuong_trong_bao_hiem_tai_san\"><\/span><b>Nguy\u00ean t\u1eafc b\u1ed3i th\u01b0\u1eddng trong b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Theo \u0110i\u1ec1u 46 Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m n\u0103m 2000, s\u1eeda \u0111\u1ed5i b\u1ed5 sung n\u0103m 2010 c\u00f3 quy \u0111\u1ecbnh c\u1ee5 th\u1ec3:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S\u1ed1 ti\u1ec1n <a href=\"https:\/\/pacificcross.com.vn\/vi\/4-sai-lam-can-tranh-khi-nop-don-yeu-cau-boi-thuong-bao-hiem\/\">b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/a> m\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh tr\u00ean c\u01a1 s\u1edf gi\u00e1 th\u1ecb tr\u01b0\u1eddng c\u1ee7a t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ea1i th\u1eddi \u0111i\u1ec3m, n\u01a1i x\u1ea3y ra t\u1ed5n th\u1ea5t v\u00e0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Chi ph\u00ed \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh gi\u00e1 th\u1ecb tr\u01b0\u1eddng v\u00e0 m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i do doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ch\u1ecbu.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng m\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m tr\u1ea3 cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, tr\u1eeb tr\u01b0\u1eddng h\u1ee3p c\u00f3 th\u1ecfa thu\u1eadn kh\u00e1c trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ngo\u00e0i s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f2n ph\u1ea3i tr\u1ea3 cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m nh\u1eefng chi ph\u00ed c\u1ea7n thi\u1ebft, h\u1ee3p l\u00fd \u0111\u1ec3 \u0111\u1ec1 ph\u00f2ng, h\u1ea1n ch\u1ebf t\u1ed5n th\u1ea5t v\u00e0 nh\u1eefng chi ph\u00ed ph\u00e1t sinh m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i ch\u1ecbu \u0111\u1ec3 th\u1ef1c hi\u1ec7n ch\u1ec9 d\u1eabn c\u1ee7a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m.<\/span><\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Hinh_thuc_boi_thuong\"><\/span><b>H\u00ecnh th\u1ee9c b\u1ed3i th\u01b0\u1eddng<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">B\u00ean mua v\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 th\u1ecfa thu\u1eadn m\u1ed9t trong c\u00e1c h\u00ecnh th\u1ee9c b\u1ed3i th\u01b0\u1eddng sau \u0111\u00e2y:<\/span><\/p>\n<ul style=\"text-align: justify;\">\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S\u1eeda ch\u1eefa t\u00e0i s\u1ea3n b\u1ecb thi\u1ec7t h\u1ea1i<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Thay th\u1ebf t\u00e0i s\u1ea3n b\u1ecb thi\u1ec7t h\u1ea1i b\u1eb1ng t\u00e0i s\u1ea3n kh\u00e1c<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng<\/span><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Bao_hiem_tai_san_danh_cho_ai\"><\/span><b>4. B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n d\u00e0nh cho ai?<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u0110\u00e2y l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m d\u00e0nh cho b\u1ea5t k\u1ef3 ai s\u1edf h\u1eefu c\u00e1c lo\u1ea1i t\u00e0i s\u1ea3n c\u00f3 nguy c\u01a1 g\u1eb7p r\u1ee7i ro cao v\u00e0 c\u1ea7n \u0111\u01b0\u1ee3c \u0111\u1ea3m sau sau khi thi\u1ec7t h\u1ea1i. Th\u00f4ng th\u01b0\u1eddng, ng\u01b0\u1eddi mua l\u00e0 ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n ho\u1eb7c s\u1eed d\u1ee5ng t\u00e0i s\u1ea3n nh\u01b0 ch\u1ee7 x\u00ed nghi\u1ec7p, ch\u1ee7 nh\u00e0 m\u00e1y, ch\u1ee7 kho h\u00e0ng ho\u1eb7c ch\u1ee7 nh\u00e0, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng nh\u00e0 chung c\u01b0 hay bi\u1ec7t th\u1ef1.<\/span><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">Hy v\u1ecdng b\u00e0i vi\u1ebft tr\u00ean \u0111\u00e3 cung c\u1ea5p th\u00f4ng tin b\u1ed5 \u00edch gi\u00fap b\u1ea1n hi\u1ec3u h\u01a1n v\u1ec1 quy\u1ec1n l\u1ee3i c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n.\u00a0<\/span><\/p>\n<p style=\"text-align: justify;\"><b>Ngu\u1ed3n tham kh\u1ea3o<\/b><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">What Is Property Insurance?<\/span><\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.investopedia.com\/terms\/p\/property-insurance.asp\"><span style=\"font-weight: 400;\">https:\/\/www.investopedia.com\/terms\/p\/property-insurance.asp<\/span><\/a><\/p>\n<p style=\"text-align: justify;\"><span style=\"font-weight: 400;\">\u00a0Property insurance<\/span><\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/en.wikipedia.org\/wiki\/Property_insurance\"><span style=\"font-weight: 400;\">https:\/\/en.wikipedia.org\/wiki\/Property_insurance<\/span><\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m ph\u1ed5 bi\u1ebfn tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay, v\u1edbi nhi\u1ec1u h\u00ecnh th\u1ee9c th\u1ec3 hi\u1ec7n kh\u00e1c nhau.\u00a0 Trong b\u00e0i vi\u1ebft b\u00ean d\u01b0\u1edbi, h\u00e3y c\u00f9ng Pacific Cross Vi\u1ec7t Nam t\u00ecm hi\u1ec3u v\u1ec1 nh\u1eefng \u0111i\u1ec3m ch\u00ednh nh\u01b0 kh\u00e1i ni\u1ec7m, \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee7a b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n l\u00e0 g\u00ec v\u00e0 c\u00e1ch [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":27848,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false},"categories":[8],"tags":[1513],"acf":[],"_links":{"self":[{"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts\/27846"}],"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=27846"}],"version-history":[{"count":0,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts\/27846\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/media\/27848"}],"wp:attachment":[{"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/media?parent=27846"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/categories?post=27846"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/tags?post=27846"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}