{"id":13850510,"date":"2024-05-24T03:09:33","date_gmt":"2024-05-24T03:09:33","guid":{"rendered":"https:\/\/yp.vn\/?p=13850510"},"modified":"2024-05-24T03:09:33","modified_gmt":"2024-05-24T03:09:33","slug":"nhung-hieu-lam-ma-moi-nguoi-thuong-mac-phai-khi-mua-bao-hiem","status":"publish","type":"post","link":"https:\/\/yp.vn\/nhung-hieu-lam-ma-moi-nguoi-thuong-mac-phai-khi-mua-bao-hiem\/","title":{"rendered":"Nh\u1eefng hi\u1ec3u l\u1ea7m m\u00e0 m\u1ecdi ng\u01b0\u1eddi th\u01b0\u1eddng m\u1eafc ph\u1ea3i khi mua b\u1ea3o hi\u1ec3m"},"content":{"rendered":"

Nh\u1eefng hi\u1ec3u l\u1ea7m c\u01a1 b\u1ea3n v\u1ec1 b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n mua sai ho\u1eb7c l\u1ee1 m\u1ed9t c\u00e1ch b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n v\u00e0 gia \u0111\u00ecnh tr\u01b0\u1edbc nh\u1eefng r\u1ee7i ro trong cu\u1ed9c s\u1ed1ng.<\/h3>\n

Ng\u01b0\u1eddi ta n\u00f3i r\u1eb1ng c\u00f3 nhi\u1ec1u l\u1ed7 h\u1ed5ng b\u1ea3o hi\u1ec3m, n\u1ebfu kh\u00f4ng c\u1ea9n th\u1eadn r\u1ea5t d\u1ec5 m\u1eafc l\u1eeba. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, nhi\u1ec1u v\u1ea5n \u0111\u1ec1 ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 tr\u00e1nh \u0111\u01b0\u1ee3c. Nh\u1eefng v\u1ea5n \u0111\u1ec1 ph\u1ed5 bi\u1ebfn nh\u1ea5t m\u00e0 m\u1ecdi ng\u01b0\u1eddi g\u1eb7p ph\u1ea3i, v\u00e0 nh\u1eefng sai l\u1ea7m m\u00e0 ng\u01b0\u1eddi b\u00ecnh th\u01b0\u1eddng hay m\u1eafc ph\u1ea3i trong qu\u00e1 tr\u00ecnh mua b\u1ea3o hi\u1ec3m hy v\u1ecdng b\u1ea1n s\u1ebd \u0111\u1ecdc n\u00f3 m\u1ed9t c\u00e1ch ki\u00ean nh\u1eabn \u0111\u1ec3 r\u00fat ra kinh nghi\u1ec7m.<\/p>\n

\u0110\u1ec3 gi\u00fap b\u1ea1n l\u1ef1a ch\u1ecdn mua b\u1ea3o hi\u1ec3m t\u1ed1t trong t\u01b0\u01a1ng lai m\u00e0 kh\u00f4ng d\u1ec5 b\u1ecb ng\u01b0\u1eddi kh\u00e1c l\u1eeba th\u00ec h\u00e3y h\u00ecnh th\u00e0nh suy ngh\u0129 v\u00e0 \u00fd ki\u1ebfn c\u1ee7a ri\u00eang m\u00ecnh.<\/p>\n

Hi\u1ec3u l\u1ea7m s\u1ed1 1: Ho\u1eb7c l\u00e0 kh\u00f4ng tin t\u01b0\u1edfng \u0111\u1ec3 mua – hai l\u00e0 mua qu\u00e1 nhi\u1ec1u<\/strong><\/p>\n

Ki\u1ec3m tra 3 \u0111i\u1ec1u n\u00e0y \u0111\u1ec3 bi\u1ebft b\u1ea1n c\u00f3 \u0111ang chi qu\u00e1 nhi\u1ec1u ti\u1ec1n cho vi\u1ec7c mua b\u1ea3o hi\u1ec3m hay kh\u00f4ng?<\/strong>
\nNh\u1eefng ng\u01b0\u1eddi kh\u00f4ng bao gi\u1edd mua b\u1ea3o hi\u1ec3m<\/a> lu\u00f4n ngh\u0129 r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 k\u1ebb d\u1ed1i tr\u00e1. Y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng kh\u1ed5 h\u01a1n l\u00ean tr\u1eddi. Bi\u1ebft r\u1eb1ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p s\u1ebd c\u00f3 quy \u0111\u1ecbnh v\u1ec1 b\u1ea3o hi\u1ec3m ch\u1eb7t ch\u1ebd. N\u1ebfu c\u00f3 tranh ch\u1ea5p trong vi\u1ec7c gi\u1ea3i quy\u1ebft y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, th\u00ec ch\u00ednh b\u1ea3n th\u00e2n b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i l\u00e0 th\u1ee9 c\u00f3 l\u1ed7i.<\/p>\n

Nh\u01b0ng c\u00f3 m\u1ed9t v\u1ea5n \u0111\u1ec1 trong \u0111\u00f3 m\u00e0 b\u1ea1n c\u1ea7n l\u00e0m r\u00f5. V\u00ed d\u1ee5 \u0111\u1ec3 theo \u0111u\u1ed5i hi\u1ec7u su\u1ea5t, nhi\u1ec1u nh\u00e2n vi\u00ean b\u00e1n b\u1ea3o hi\u1ec3m thi\u1ebfu tr\u00e1ch nhi\u1ec7m s\u1ebd c\u1ed1 t\u00ecnh ph\u00f3ng \u0111\u1ea1i khi gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m. L\u00fac n\u00e0y, ch\u00fang ta c\u1ea7n c\u00f3 m\u1ed9t kh\u1ea3 n\u0103ng ph\u00e2n bi\u1ec7t nh\u1ea5t \u0111\u1ecbnh. Khi xem x\u00e9t h\u1ee3p \u0111\u1ed3ng, h\u00e3y t\u1eadp trung v\u00e0o ba ph\u1ea7n: Tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi b\u1ea3o hi\u1ec3m, quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m, ph\u1ea7n th\u00f4ng tin l\u00fd gi\u1ea3i \u0111i k\u00e8m. Hi\u1ec3u nh\u1eefng \u0111i\u1ec1u n\u00e0y th\u00ec quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o.<\/p>\n

\"\"<\/p>\n

N\u1ebfu do s\u01a1 su\u1ea5t c\u1ee7a b\u1ea3n th\u00e2n, vi\u1ec7c khi\u1ebfu n\u1ea1i kh\u00f4ng su\u00f4n s\u1ebb th\u00ec vi\u1ec7c g\u1ecdi c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 k\u1ebb n\u00f3i d\u1ed1i s\u1ebd kh\u00f4ng kh\u00e1ch quan. Ngo\u00e0i ra c\u00f2n c\u00f3 m\u1ed9t nh\u00f3m ng\u01b0\u1eddi c\u00f3 suy ngh\u0129 r\u1eb1ng b\u1ea3o hi\u1ec3m l\u00e0 to\u00e0n n\u0103ng. Sau \u0111\u00f3, h\u1ecd mua h\u00e0ng t\u00e1 b\u1ea3o hi\u1ec3m cho b\u1ea1n th\u00e2n v\u00e0 gia \u0111\u00ecnh. Ch\u1ec9 ri\u00eang ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e3 chi\u1ebfm m\u1ed9t n\u1eeda thu nh\u1eadp h\u00e0ng n\u0103m. \u0110i\u1ec1u n\u00e0y l\u00e0 t\u1ed1t v\u1ec1 m\u1eb7t b\u1ea1n nh\u1eadn th\u1ee9c r\u1ee7i ro v\u00e0 nguy hi\u1ec3m c\u00f3 th\u1ec3 x\u1ea3y \u0111\u1ebfn b\u1ea5t ch\u1ee3t trong cu\u1ed9c s\u1ed1ng. Nh\u01b0ng ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng n\u0103m t\u1ed1t nh\u1ea5t kh\u00f4ng n\u00ean v\u01b0\u1ee3t qu\u00e1 10% thu nh\u1eadp h\u00e0ng n\u0103m c\u1ee7a gia \u0111\u00ecnh. Kh\u00f4ng n\u00ean \u0111\u1ec3 b\u1ea3o hi\u1ec3m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ee9c s\u1ed1ng c\u1ee7a gia \u0111\u00ecnh b\u1ea1n.<\/p>\n

Hi\u1ec3u l\u1ea7m 2: Ch\u1ec9 mua s\u1ea3n ph\u1ea9m c\u1ee7a c\u00e1c c\u00f4ng ty l\u1edbn, s\u1ee3 r\u1eb1ng c\u00e1c c\u00f4ng ty nh\u1ecf ch\u01b0a t\u1eebng nghe t\u00ean s\u1ebd l\u00e0m \u0103n th\u1ea5t b\u00e1t<\/strong><\/p>\n

Nh\u1eefng c\u00f4ng ty l\u1edbn trong m\u1eaft nhi\u1ec1u ng\u01b0\u1eddi s\u1ebd kh\u00f4ng g\u1eb7p b\u1ea5t c\u1ee9 r\u1ee7i ro n\u00e0o c\u1ea3, v\u00e0 kh\u00f4ng bao gi\u1edd ph\u1ea3i \u0111\u00f3ng c\u1eeda? Kh\u00f4ng c\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t l\u1edbn hay nh\u1ecf gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. B\u1edfi \u0111\u1ebfn ng\u01b0\u1ee1ng th\u00e0nh l\u1eadp c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u00ec \u0111\u00e3 ph\u1ea3i v\u01b0\u1ee3t qua c\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u1eaft khe. V\u00e0 qu\u00e1 tr\u00ecnh ph\u00ea duy\u1ec7t c\u1ef1c k\u1ef3 ph\u1ee9c t\u1ea1p, v\u1edbi h\u00e0ng tr\u0103m c\u00f4ng ty x\u1ebfp h\u00e0ng \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c gi\u1ea5y ph\u00e9p kinh doanh v\u1ec1 b\u1ea3o hi\u1ec3m.<\/p>\n

\"\"<\/p>\n

Ngay c\u1ea3 khi c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/a> \u0111\u00f3 ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng t\u1ed1t th\u00ec Theo \u0111i\u1ec1u 74 Lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m n\u0103m 2000 th\u00ec n\u1ebfu nh\u01b0 1 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u00e1 s\u1ea3n s\u1ebd c\u00f3 1 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m kh\u00e1c nh\u1eadn s\u1ed1 h\u1ee3p \u0111\u1ed3ng n\u00e0y v\u1ec1. \u0110\u1eb7c bi\u1ec7t l\u00e0 ph\u1ea3i gi\u1eef nguy\u00ean quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 cho \u0111\u1ebfn khi h\u1ebft th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m.<\/p>\n

Trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng c\u00f3 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m n\u00e0o \u0111\u1ee9ng ra nh\u1eadn th\u00ec B\u1ed9 T\u00e0i ch\u00ednh s\u1ebd ph\u00e2n ph\u1ed1i m\u1ed9t doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m kh\u00e1c \u0111\u1ec3 nh\u1eadn. Trong tr\u01b0\u1eddng h\u1ee3p cu\u1ed1i c\u00f9ng d\u00f9 \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh v\u1eabn kh\u00f4ng c\u00f3 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m n\u00e0o ch\u1ecbu nh\u1eadn th\u00ec Qu\u1ef9 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c mang ra \u0111\u1ec3 chi tr\u1ea3.<\/p>\n

B\u1ea1n kh\u00f4ng ph\u1ea3i qu\u00e1 lo l\u1eafng v\u1ec1 vi\u1ec7c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ph\u00e1 s\u1ea3n.<\/p>\n

Hi\u1ec3u l\u1ea7m 3: Mua b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o cho ng\u01b0\u1eddi gi\u00e0, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho tr\u1ebb con<\/strong><\/p>\n

\"\"
\nN\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi kh\u00f4ng qu\u00e1 quan tr\u1ecdng t\u1edbi chi ph\u00ed b\u1ea3o hi\u1ec3m th\u00ec v\u1eabn n\u00ean nh\u1edb \u0111\u1eebng bao gi\u1edd mua b\u1ea3o hi\u1ec3m hi\u1ec3m ngh\u00e8o cho ng\u01b0\u1eddi gi\u00e0. B\u1edfi s\u1ed1 b\u1ec7nh t\u1eadt c\u1ee7a ng\u01b0\u1eddi gi\u00e0 s\u1ebd t\u0103ng theo tu\u1ed5i t\u00e1c. B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o tr\u00ean th\u1ecb tr\u01b0\u1eddng hi\u1ec7n nay nh\u00ecn chung s\u1ebd gi\u1edbi h\u1ea1n tu\u1ed5i t\u00e1c, c\u00f3 th\u1ec3 t\u1edbi 50 ho\u1eb7c 60 tu\u1ed5i. V\u00e0 ph\u00ed \u0111\u00f3ng b\u1ea3o hi\u1ec3m r\u1ea5t \u0111\u1eaft, kh\u1ea3 n\u0103ng b\u1ecb t\u1eeb ch\u1ed1i khi tu\u1ed5i t\u00e1c cao c\u0169ng r\u1ea5t l\u1edbn. N\u1ebfu kh\u00f4ng may b\u1ea1n c\u00f2n g\u1eb7p t\u00ecnh tr\u1ea1ng “ph\u00ed b\u1ea3o hi\u1ec3m l\u1ed9n ng\u01b0\u1ee3c” t\u1ee9c l\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c tr\u1ea3 b\u1eb1ng v\u1edbi s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n.<\/p>\n

M\u1eb7t kh\u00e1c, mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho con c\u0169ng l\u00e0 l\u1ef1a ch\u1ecdn kh\u00f4ng s\u00e1ng su\u1ed1t. B\u1ea1n c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho ng\u01b0\u1eddi lao \u0111\u1ed9ng ch\u00ednh trong nh\u00e0, \u0111\u00ednh k\u00e8m con. C\u00f2n v\u1edbi con c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m tri th\u1ee9c \u0111\u1ec3 \u0111\u1ed3ng h\u00e0nh trong vi\u1ec7c h\u1ecdc t\u1eadp c\u1ee7a con.<\/p>\n

Hi\u1ec3u l\u1ea7m 4: Mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 thu \u0111\u01b0\u1ee3c l\u1ee3i nhu\u1eadn<\/strong><\/p>\n

B\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c sinh ra v\u1edbi m\u1ee5c \u0111\u00edch l\u00e0 ph\u00f2ng tr\u1eeb r\u1ee7i ro. Sau \u0111\u00f3 m\u1edbi l\u00e0 qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh gi\u00fap b\u1ea1n. N\u1ebfu b\u1ea1n mua b\u1ea3o hi\u1ec3m<\/a> \u0111\u1ec3 “l\u00e0m gi\u00e0u” t\u1ed1t h\u01a1n h\u1ebft h\u00e3y lo\u1ea1i b\u1ecf suy ngh\u0129 n\u00e0y c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t. S\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n ch\u1ec9 n\u00ean \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u01b0 m\u1ed9t c\u00f4ng c\u1ee5 ti\u1ebft ki\u1ec7m mang t\u00ednh \u1ed5n \u0111\u1ecbnh. V\u00ec n\u00f3 c\u00f3 l\u00e3i su\u1ea5t th\u1ea5p, t\u00ednh thanh kho\u1ea3n k\u00e9m, n\u1ebfu so s\u00e1nh th\u00ec c\u00f2n kh\u00f4ng nhanh b\u1eb1ng l\u1ea1m ph\u00e1t. V\u00ec v\u1eady nh\u1eefng ai bi\u1ebft m\u1ed9t ch\u00fat v\u1ec1 \u0111\u1ea7u t\u01b0, qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh th\u00ec s\u1ebd bi\u1ebft r\u1eb1ng c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn t\u1ed1t h\u01a1n b\u1ea3o hi\u1ec3m r\u1ea5t nhi\u1ec1u.<\/p>\n

Theo Nh\u1ecbp s\u1ed1ng Vi\u1ec7t\/ B\u00e1o T\u1ed5 qu\u1ed1c<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Nh\u1eefng hi\u1ec3u l\u1ea7m c\u01a1 b\u1ea3n v\u1ec1 b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n mua sai ho\u1eb7c l\u1ee1 m\u1ed9t c\u00e1ch b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n v\u00e0 gia \u0111\u00ecnh tr\u01b0\u1edbc nh\u1eefng r\u1ee7i ro trong cu\u1ed9c s\u1ed1ng. Ng\u01b0\u1eddi ta n\u00f3i r\u1eb1ng c\u00f3 nhi\u1ec1u l\u1ed7 h\u1ed5ng b\u1ea3o hi\u1ec3m, n\u1ebfu kh\u00f4ng c\u1ea9n th\u1eadn r\u1ea5t d\u1ec5 m\u1eafc l\u1eeba. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, nhi\u1ec1u… Xem b\u00e0i vi\u1ebft<\/a><\/p>\n","protected":false},"author":2,"featured_media":13850514,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"ep_exclude_from_search":false,"footnotes":""},"categories":[2467,2507],"tags":[],"class_list":["post-13850510","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tin-tuc","category-bao-hiem"],"acf":[],"_links":{"self":[{"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/posts\/13850510","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/comments?post=13850510"}],"version-history":[{"count":0,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/posts\/13850510\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/media\/13850514"}],"wp:attachment":[{"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/media?parent=13850510"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/categories?post=13850510"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/yp.vn\/KmOMlj66m\/wp\/v2\/tags?post=13850510"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}