{"id":77462,"date":"2023-09-18T19:52:38","date_gmt":"2023-09-18T12:52:38","guid":{"rendered":"https:\/\/pacificcross.com.vn\/?p=77462"},"modified":"2023-09-18T19:56:29","modified_gmt":"2023-09-18T12:56:29","slug":"nhuong-tai-bao-hiem-la-gi","status":"publish","type":"post","link":"https:\/\/pacificcross.com.vn\/vi\/nhuong-tai-bao-hiem-la-gi\/","title":{"rendered":"Nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m la\u0300 gi\u0300?"},"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-69d63208e9840\" 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-69d63208e9840\"  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\/nhuong-tai-bao-hiem-la-gi\/#1Nhuo%CC%A3ng_ta%CC%81i_ba%CC%89o_hie%CC%89m_la%CC%80_gi%CC%80\" >1.Nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m la\u0300 gi\u0300?<\/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\/nhuong-tai-bao-hiem-la-gi\/#2_Vai_tro%CC%80_va%CC%80_da%CC%A3c_die%CC%89m_cu%CC%89a_nhuo%CC%A3ng_ta%CC%81i_ba%CC%89o_hie%CC%89m\" >2. Vai tro\u0300 va\u0300 \u0111\u0103\u0323c \u0111i\u00ea\u0309m cu\u0309a nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m:<\/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\/nhuong-tai-bao-hiem-la-gi\/#21_Vai_tro%CC%80_cu%CC%89a_nhuo%CC%A3ng_ta%CC%81i_ba%CC%89o_hie%CC%89m\" >2.1 Vai tro\u0300 cu\u0309a nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m:<\/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\/nhuong-tai-bao-hiem-la-gi\/#22_Da%CC%A3c_die%CC%89m_cu%CC%89a_nhuo%CC%A3ng_ta%CC%81i_ba%CC%89o_hie%CC%89m\" >2.2 \u0110\u0103\u0323c \u0111i\u00ea\u0309m cu\u0309a nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m:<\/a><\/li><\/ul><\/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\/nhuong-tai-bao-hiem-la-gi\/#3_Ca%CC%81c_hi%CC%80nh_thu%CC%81c_cu%CC%89a_nhuo%CC%A3ng_ta%CC%81i_ba%CC%89o_hie%CC%89m\" >3. Ca\u0301c hi\u0300nh th\u01b0\u0301c cu\u0309a nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m:<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/pacificcross.com.vn\/vi\/nhuong-tai-bao-hiem-la-gi\/#31_Nhuo%CC%A3ng_ta%CC%81i_ty%CC%89_le%CC%A3\" >3.1 Nh\u01b0\u01a1\u0323ng ta\u0301i ty\u0309 l\u00ea\u0323:<\/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\/nhuong-tai-bao-hiem-la-gi\/#32_Nhuo%CC%A3ng_ta%CC%81i_ru%CC%89i_ro\" >3.2 Nh\u01b0\u01a1\u0323ng ta\u0301i ru\u0309i ro:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/pacificcross.com.vn\/vi\/nhuong-tai-bao-hiem-la-gi\/#33_Nhuo%CC%A3ng_ta%CC%81i_ta%CC%80i_sa%CC%89n_co%CC%81_di%CC%A3nh\" >3.3 Nh\u01b0\u01a1\u0323ng ta\u0301i ta\u0300i sa\u0309n c\u00f4\u0301 \u0111i\u0323nh:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/pacificcross.com.vn\/vi\/nhuong-tai-bao-hiem-la-gi\/#34_Nhuo%CC%A3ng_ta%CC%81i_du%CC%A3_a%CC%81n_da%CC%A3c_bie%CC%A3t\" >3.4 Nh\u01b0\u01a1\u0323ng ta\u0301i d\u01b0\u0323 a\u0301n \u0111\u0103\u0323c bi\u00ea\u0323t:<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p><span style=\"font-weight: 400;\">Nga\u0300y nay mo\u0323i ca\u0301 nh\u00e2n \u0111\u00ea\u0300u cho\u0323n mua ba\u0309o hi\u00ea\u0309m t\u01b0\u0300 ca\u0301c c\u00f4ng ty ba\u0309o hi\u00ea\u0309m \u0111\u00ea\u0309 ph\u00e2n ta\u0301n, gia\u0309m nhe\u0323 ru\u0309i ro cho ba\u0309n th\u00e2n. Tuy nhi\u00ean chi\u0301nh ca\u0301c c\u00f4ng ty ba\u0309o hi\u00ea\u0309m cu\u0303ng se\u0303 g\u0103\u0323p nh\u01b0\u0303ng ru\u0309i ro kh\u00f4ng mong mu\u00f4\u0301n. Vi\u0300 v\u00e2\u0323y nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m \u0111\u01b0\u01a1\u0323c ra \u0111\u01a1\u0300i.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"1Nhuo%CC%A3ng_ta%CC%81i_ba%CC%89o_hie%CC%89m_la%CC%80_gi%CC%80\"><\/span><span style=\"font-weight: 400;\">1.Nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m la\u0300 gi\u0300?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter size-full wp-image-77465\" src=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2023\/09\/nhuong-tai-bao-hiem-la-gi.webp\" alt=\"nh\u01b0\u1ee3ng t\u00e1i b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec\" width=\"612\" height=\"408\" srcset=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2023\/09\/nhuong-tai-bao-hiem-la-gi.webp 612w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2023\/09\/nhuong-tai-bao-hiem-la-gi-300x200.webp 300w\" sizes=\"(max-width: 612px) 100vw, 612px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m la\u0300 qua\u0301 tri\u0300nh m\u00f4\u0323t <a href=\"https:\/\/pacificcross.com.vn\/vi\/cong-ty-bao-hiem-suc-khoe-uy-tin-tai-viet-nam\/\">c\u00f4ng ty ba\u0309o hi\u00ea\u0309m<\/a> chuy\u00ea\u0309n m\u00f4\u0323t ho\u0103\u0323c toa\u0300n b\u00f4\u0323 ru\u0309i ro ma\u0300 ho\u0323 \u0111a\u0303 \u0111a\u0309m ba\u0309o v\u01a1\u0301i kha\u0301ch ha\u0300ng cho m\u00f4\u0323t c\u00f4ng ty ta\u0301i ba\u0309o hi\u00ea\u0309m kha\u0301c. Nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m th\u01b0\u01a1\u0300ng \u0111\u01b0\u01a1\u0323c th\u01b0\u0323c hi\u00ea\u0323n \u0111\u00ea\u0309 gia\u0309m thi\u00ea\u0309u ru\u0309i ro ta\u0300i chi\u0301nh cho c\u00f4ng ty ba\u0309o hi\u00ea\u0309m g\u00f4\u0301c khi m\u00f4\u0323t ho\u0103\u0323c nhi\u00ea\u0300u vu\u0323 b\u00f4\u0300i th\u01b0\u01a1\u0300ng l\u01a1\u0301n xa\u0309y ra.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">B\u0103\u0300ng ca\u0301ch nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m ma\u0300 c\u00f4ng ty ba\u0309o hi\u00ea\u0309m co\u0301 th\u00ea\u0309 gia\u0309m nhe\u0323 ga\u0301nh n\u0103\u0323ng ta\u0300i chi\u0301nh va\u0300 \u0111a\u0309m ba\u0309o kha\u0309 n\u0103ng chi tra\u0309 \u0111\u00f4\u0301i v\u01a1\u0301i ca\u0301c y\u00eau c\u00e2\u0300u b\u00f4\u0300i th\u01b0\u01a1\u0300ng.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"2_Vai_tro%CC%80_va%CC%80_da%CC%A3c_die%CC%89m_cu%CC%89a_nhuo%CC%A3ng_ta%CC%81i_ba%CC%89o_hie%CC%89m\"><\/span><span style=\"font-weight: 400;\">2. Vai tro\u0300 va\u0300 \u0111\u0103\u0323c \u0111i\u00ea\u0309m cu\u0309a nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"21_Vai_tro%CC%80_cu%CC%89a_nhuo%CC%A3ng_ta%CC%81i_ba%CC%89o_hie%CC%89m\"><\/span><span style=\"font-weight: 400;\">2.1 Vai tro\u0300 cu\u0309a nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><img loading=\"lazy\" class=\"aligncenter size-full wp-image-77467\" src=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2023\/09\/vai-tro-cua-nhuong-tai-bao-hiem.webp\" alt=\"vai tr\u00f2 c\u1ee7a nh\u01b0\u1ee3ng t\u00e1i b\u1ea3o hi\u1ec3m\" width=\"600\" height=\"400\" srcset=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2023\/09\/vai-tro-cua-nhuong-tai-bao-hiem.webp 600w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2023\/09\/vai-tro-cua-nhuong-tai-bao-hiem-300x200.webp 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Qua\u0309n ly\u0301 ru\u0309i ro ta\u0300i chi\u0301nh: \u0110\u00e2y la\u0300 vai tro\u0300 quan tro\u0323ng nh\u00e2\u0301t vi\u0300 giu\u0301p c\u00f4ng ty chuy\u00ea\u0309n giao m\u00f4\u0323t ph\u00e2\u0300n hay toa\u0300n b\u00f4\u0323 ru\u0309i ro \u0111\u00ea\u0301n c\u00f4ng ty ta\u0301i ba\u0309o hi\u00ea\u0309m. \u0110i\u00ea\u0300u na\u0300y giu\u0301p c\u00e2n b\u0103\u0300ng ta\u0300i chi\u0301nh cu\u0309a c\u00f4ng ty ba\u0309o hi\u00ea\u0309m khi g\u0103\u0323p khoa\u0309ng b\u00f4\u0300i th\u01b0\u01a1\u0300ng l\u01a1\u0301n.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ta\u0323o kha\u0309 n\u0103ng chi tra\u0309: C\u00f4ng ty ba\u0309o hi\u00ea\u0309m co\u0301 th\u00ea\u0309 hoa\u0323t \u0111\u00f4\u0323ng b\u00ea\u0300n v\u01b0\u0303ng va\u0300 ta\u0323o ni\u00ea\u0300m tin l\u01a1\u0301n cho kha\u0301ch ha\u0300ng khi co\u0301 b\u00e2\u0301t ky\u0300 y\u00eau c\u00e2\u0300u b\u00f4\u0300i th\u01b0\u01a1\u0300ng na\u0300o.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">T\u0103ng kha\u0309 n\u0103ng ch\u00e2\u0301p nh\u00e2\u0323n ru\u0309i ro: Nh\u01a1\u0300 hoa\u0323t \u0111\u00f4\u0323ng nhh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m, ca\u0301c c\u00f4ng ty co\u0301 th\u00ea\u0309 ch\u00e2\u0301p nh\u00e2\u0323n \u0111\u01b0\u01a1\u0323c nhi\u00ea\u0300u h\u01a1\u0323p \u0111\u00f4\u0300ng ba\u0309o hi\u00ea\u0309m cu\u0300ng lu\u0301c va\u0300 t\u0103ng pha\u0323m vi kinh doanh ma\u0300 kh\u00f4ng lo v\u00ea\u0300 ru\u0309i ro qua\u0301 l\u01a1\u0301n.<\/span><\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"22_Da%CC%A3c_die%CC%89m_cu%CC%89a_nhuo%CC%A3ng_ta%CC%81i_ba%CC%89o_hie%CC%89m\"><\/span><span style=\"font-weight: 400;\">2.2 \u0110\u0103\u0323c \u0111i\u00ea\u0309m cu\u0309a nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">S\u01b0\u0323 chuy\u00ea\u0309n giao ru\u0309i ro: C\u00f4ng ty ta\u0301i ba\u0309o hi\u00ea\u0309m se\u0303 co\u0301 tra\u0301ch nhi\u00ea\u0323m chi tra\u0309 b\u00f4\u0300i th\u01b0\u01a1\u0300ng cho c\u00f4ng ty ba\u0309o hi\u00ea\u0309m g\u00f4\u0301c khi \u0111\u01b0\u01a1\u0323c nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u0110a da\u0323ng ho\u0301a ru\u0309i ro: C\u00f4ng ty ba\u0309o hi\u00ea\u0309m g\u00f4\u0301c co\u0301 th\u00ea\u0309 cho\u0323n nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m cho nhi\u00ea\u0300u c\u00f4ng ty ta\u0301i ba\u0309o hi\u00ea\u0309m kha\u0301c, \u0111i\u00ea\u0300u \u0111o\u0301 giu\u0301p ho\u0323 \u0111a da\u0323ng ho\u0301a ru\u0309i ro va\u0300 gia\u0309m a\u0301p l\u01b0\u0323c qua\u0301 m\u01b0\u0301c<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ti\u0301nh chuy\u00ean nghi\u00ea\u0323p cao: Ca\u0301c c\u00f4ng ty ba\u0309o hi\u00ea\u0309m th\u01b0\u01a1\u0300ng se\u0303 co\u0301 ki\u00ea\u0301n th\u01b0\u0301c va\u0300 chuy\u00ean m\u00f4n cao v\u00ea\u0300 qua\u0309n ly\u0301 ru\u0309i ro. Ho\u0323 co\u0301 th\u00ea\u0309 \u0111a\u0301nh gia\u0301 va\u0300 \u01b0\u01a1\u0301c ti\u0301nh nguy c\u01a1 m\u00f4\u0323t ca\u0301ch chi\u0301nh xa\u0301c.<\/span><\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"3_Ca%CC%81c_hi%CC%80nh_thu%CC%81c_cu%CC%89a_nhuo%CC%A3ng_ta%CC%81i_ba%CC%89o_hie%CC%89m\"><\/span><span style=\"font-weight: 400;\">3. Ca\u0301c hi\u0300nh th\u01b0\u0301c cu\u0309a nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter size-full wp-image-77463\" src=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2023\/09\/cac-hinh-thuc-nhuong-tai-bao-hiem.webp\" alt=\"c\u00e1c h\u00ecnh th\u1ee9c nh\u01b0\u1ee3ng t\u00e1i b\u1ea3o hi\u1ec3m\" width=\"600\" height=\"900\" srcset=\"https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2023\/09\/cac-hinh-thuc-nhuong-tai-bao-hiem.webp 600w, https:\/\/pacificcross.com.vn\/wp-content\/uploads\/2023\/09\/cac-hinh-thuc-nhuong-tai-bao-hiem-200x300.webp 200w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">Co\u0301 m\u00f4\u0323t s\u00f4\u0301 hi\u0300nh th\u01b0\u0301c kha\u0301c nhau cu\u0309a nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m, m\u00f4\u0303i hi\u0300nh th\u01b0\u0301c \u0111\u00ea\u0300u co\u0301 ti\u0301nh ch\u00e2\u0301t kha\u0301c nhau tu\u0300y thu\u00f4\u0323c va\u0300o tho\u0309a thu\u00e2\u0323n cu\u0309a c\u00f4ngt y abo\u0309 hi\u00ea\u0309m va\u0300 c\u00f4ng ty ta\u0301i ba\u0309o hi\u00ea\u0309m.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"31_Nhuo%CC%A3ng_ta%CC%81i_ty%CC%89_le%CC%A3\"><\/span><span style=\"font-weight: 400;\">3.1 Nh\u01b0\u01a1\u0323ng ta\u0301i ty\u0309 l\u00ea\u0323:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">C\u00f4ng ty b\u1ea3o hi\u1ec3m se\u0303 chuy\u1ec3n giao m\u1ed9t ph\u1ea7n c\u1ed1 \u0111\u1ecbnh ho\u1eb7c t\u1ef7 l\u1ec7 x\u00e1c \u0111\u1ecbnh c\u1ee7a m\u1ed7i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ebfn c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m. T\u01b0\u0300 \u0111o\u0301 c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m s\u1ebd ch\u1ecbu tr\u00e1ch nhi\u1ec7m chi tr\u1ea3 m\u1ed9t ph\u1ea7n t\u01b0\u01a1ng \u1ee9ng c\u1ee7a c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 c\u0169ng nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t ph\u1ea7n t\u01b0\u01a1ng \u1ee9ng c\u1ee7a c\u00e1c kho\u1ea3n ph\u00ed b\u1ea3o hi\u1ec3m.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"32_Nhuo%CC%A3ng_ta%CC%81i_ru%CC%89i_ro\"><\/span><span style=\"font-weight: 400;\">3.2 Nh\u01b0\u01a1\u0323ng ta\u0301i ru\u0309i ro:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">\u01a0\u0309 hi\u0300nh th\u01b0\u0301c na\u0300y c\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ec9 chuy\u1ec3n giao r\u1ee7i ro cho c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u01b0\u1ee3t qu\u00e1 m\u1ed9t m\u1ee9c gi\u1edbi h\u1ea1n c\u1ee5 th\u1ec3 (m\u1ee9c r\u1ee7i ro t\u1ef1 ch\u1ecbu). C\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m s\u1ebd ch\u1ecbu tr\u00e1ch nhi\u1ec7m chi tr\u1ea3 c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u01b0\u1ee3t qu\u00e1 m\u1ee9c gi\u1edbi h\u1ea1n n\u00e0y.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"33_Nhuo%CC%A3ng_ta%CC%81i_ta%CC%80i_sa%CC%89n_co%CC%81_di%CC%A3nh\"><\/span><span style=\"font-weight: 400;\">3.3 Nh\u01b0\u01a1\u0323ng ta\u0301i ta\u0300i sa\u0309n c\u00f4\u0301 \u0111i\u0323nh:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Trong m\u1ed7i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c xem x\u00e9t v\u00e0 \u0111\u00e1nh gi\u00e1 ri\u00eang l\u1ebb. C\u00f4ng ty b\u1ea3o hi\u1ec3m quy\u1ebft \u0111\u1ecbnh chuy\u1ec3n giao ph\u1ea7n r\u1ee7i ro ho\u1eb7c to\u00e0n b\u1ed9 r\u1ee7i ro c\u1ee7a m\u1ed7i h\u1ee3p \u0111\u1ed3ng \u0111\u1ebfn c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"34_Nhuo%CC%A3ng_ta%CC%81i_du%CC%A3_a%CC%81n_da%CC%A3c_bie%CC%A3t\"><\/span><span style=\"font-weight: 400;\">3.4 Nh\u01b0\u01a1\u0323ng ta\u0301i d\u01b0\u0323 a\u0301n \u0111\u0103\u0323c bi\u00ea\u0323t:<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Lo\u1ea1i nh\u01b0\u1ee3ng t\u00e1i n\u00e0y \u00e1p d\u1ee5ng cho c\u00e1c d\u1ef1 \u00e1n \u0111\u1eb7c bi\u1ec7t ho\u1eb7c c\u00e1c h\u1ee3p \u0111\u1ed3ng l\u1edbn. C\u00f4ng ty b\u1ea3o hi\u1ec3m chuy\u1ec3n giao r\u1ee7i ro c\u1ee5 th\u1ec3 li\u00ean quan \u0111\u1ebfn d\u1ef1 \u00e1n ho\u1eb7c h\u1ee3p \u0111\u1ed3ng c\u1ee5 th\u1ec3 \u0111\u1ebfn c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Ba\u0300i vi\u00ea\u0301t \u0111a\u0303 ph\u00e2n ti\u0301ch cu\u0323 th\u00ea\u0309 v\u00ea\u0300 ca\u0301c h\u01a1\u0323p \u0111\u00f4\u0300ng nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m. N\u00ea\u0301u ba\u0323n co\u0300n th\u0103\u0301c m\u0103\u0301c vui lo\u0300ng li\u00ean h\u00ea\u0323 ca\u0301c c\u00f4ng ty ta\u0301i ba\u0309o hi\u00ea\u0309m uy tin \u0111\u00ea\u0309 \u0111\u01b0\u01a1\u0323c h\u01b0\u01a1\u0301ng d\u00e2\u0303n va\u0300 t\u01b0 v\u00e2\u0301n cu\u0323 th\u00ea\u0309.<\/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><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><strong>C\u00e1c b\u00e0i vi\u1ebft li\u00ean quan :<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/pacificcross.com.vn\/vi\/nhung-dieu-can-biet-ve-bao-hiem-suc-khoe\/\">C\u00e1c thu\u1eadt ng\u1eef th\u01b0\u1eddng g\u1eb7p v\u1ec1 b\u1ea3o hi\u1ec3m s\u1ee9c kho\u1ebb<\/a><\/li>\n<li><a href=\"https:\/\/pacificcross.com.vn\/vi\/nguoi-thu-huong-bao-hiem\/\">Hi\u1ec3u \u0111\u00fang v\u1ec1 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng b\u1ea3o hi\u1ec3m v\u00e0 nh\u1eefng \u0111i\u1ec1u n\u00ean tr\u00e1nh<\/a><\/li>\n<li><a href=\"https:\/\/pacificcross.com.vn\/vi\/cac-tieu-chi-de-lua-chon-goi-bao-hiem-suc-khoe-tot\/\">C\u00e1c ti\u00eau ch\u00ed l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe ph\u00f9 h\u1ee3p, uy t\u00edn nh\u1ea5t<\/a><\/li>\n<\/ul>\n<p><strong>\u00a0Ngu\u00f4\u0300n tham kha\u0309o<\/strong><\/p>\n<ul>\n<li><a href=\"https:\/\/content.naic.org\/cipr-topics\/reinsurance\"><span style=\"font-weight: 400;\">https:\/\/content.naic.org\/cipr-topics\/reinsurance<\/span><\/a><\/li>\n<li><a href=\"https:\/\/www.iii.org\/publications\/insurance-handbook\/regulatory-and-financial-environment\/reinsurance\"><span style=\"font-weight: 400;\">https:\/\/www.iii.org\/publications\/insurance-handbook\/regulatory-and-financial-environment\/reinsurance<\/span><\/a><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Nga\u0300y nay mo\u0323i ca\u0301 nh\u00e2n \u0111\u00ea\u0300u cho\u0323n mua ba\u0309o hi\u00ea\u0309m t\u01b0\u0300 ca\u0301c c\u00f4ng ty ba\u0309o hi\u00ea\u0309m \u0111\u00ea\u0309 ph\u00e2n ta\u0301n, gia\u0309m nhe\u0323 ru\u0309i ro cho ba\u0309n th\u00e2n. Tuy nhi\u00ean chi\u0301nh ca\u0301c c\u00f4ng ty ba\u0309o hi\u00ea\u0309m cu\u0303ng se\u0303 g\u0103\u0323p nh\u01b0\u0303ng ru\u0309i ro kh\u00f4ng mong mu\u00f4\u0301n. Vi\u0300 v\u00e2\u0323y nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o hi\u00ea\u0309m \u0111\u01b0\u01a1\u0323c ra \u0111\u01a1\u0300i. 1.Nh\u01b0\u01a1\u0323ng ta\u0301i ba\u0309o [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":77465,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","inline_featured_image":false},"categories":[794,24,8],"tags":[],"acf":[],"_links":{"self":[{"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts\/77462"}],"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=77462"}],"version-history":[{"count":2,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts\/77462\/revisions"}],"predecessor-version":[{"id":77472,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/posts\/77462\/revisions\/77472"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/media\/77465"}],"wp:attachment":[{"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/media?parent=77462"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/categories?post=77462"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pacificcross.com.vn\/vi\/wp-json\/wp\/v2\/tags?post=77462"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}