{"id":4830,"date":"2025-05-20T16:35:53","date_gmt":"2025-05-20T09:35:53","guid":{"rendered":"https:\/\/baohiemtasco.vn\/blog\/?p=4830"},"modified":"2025-04-25T15:02:43","modified_gmt":"2025-04-25T08:02:43","slug":"nguyen-tac-the-quyen","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen","title":{"rendered":"Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n l\u00e0 g\u00ec? C\u01a1 s\u1edf h\u00ecnh th\u00e0nh, \u0111i\u1ec1u ki\u1ec7n v\u00e0 l\u1ee3i \u00edch c\u1ee7a nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n (subrobgation) l\u00e0 c\u01a1 ch\u1ebf gi\u00fap b\u1ea3o v\u1ec7 c\u1ea3 b\u00ean mua b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m khi x\u1ea3y ra s\u1ef1 c\u1ed1. Tuy l\u00e0 m\u1ed9t nguy\u00ean t\u1eafc quan tr\u1ecdng trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m nh\u01b0ng kh\u00f4ng ph\u1ea3i ai c\u0169ng hi\u1ec3u r\u00f5, d\u00f9 nguy\u00ean t\u1eafc n\u00e0y \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea1n. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u1ea3i th\u00edch chi ti\u1ebft v\u1ec1 <a href=\"https:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen\"><strong>nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n<\/strong><\/a> t\u1eeb kh\u00e1i ni\u1ec7m \u0111\u1ebfn c\u00e1c quy \u0111\u1ecbnh li\u00ean quan. C\u00f9ng theo d\u00f5i ngay nh\u00e9!<\/em><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_69_1 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">N\u1ed9i dung ch\u00ednh<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><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><\/span><\/a><\/span><\/div>\n<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:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen\/#Nguyen_tac_the_quyen_la_gi\" title=\"Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n l\u00e0 g\u00ec?\">Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n 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:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen\/#Co_so_hinh_thanh_nguyen_tac_the_quyen_trong_bao_hiem\" title=\"C\u01a1 s\u1edf h\u00ecnh th\u00e0nh nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n trong b\u1ea3o hi\u1ec3m\">C\u01a1 s\u1edf h\u00ecnh th\u00e0nh nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n trong b\u1ea3o hi\u1ec3m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen\/#Dieu_kien_ap_dung_nguyen_tac_the_quyen\" title=\"\u0110i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n\">\u0110i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen\/#Loi_ich_cua_nguyen_tac_the_quyen\" title=\"L\u1ee3i \u00edch c\u1ee7a nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n\">L\u1ee3i \u00edch c\u1ee7a nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen\/#Quy_dinh_khac_ve_viec_chuyen_quyen_boi_thuong\" title=\"Quy \u0111\u1ecbnh kh\u00e1c v\u1ec1 vi\u1ec7c chuy\u1ec3n quy\u1ec1n b\u1ed3i th\u01b0\u1eddng\">Quy \u0111\u1ecbnh kh\u00e1c v\u1ec1 vi\u1ec7c chuy\u1ec3n quy\u1ec1n b\u1ed3i th\u01b0\u1eddng<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen\/#Cau_hoi_thuong_gap\" title=\"C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p\">C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen\/#Nguyen_tac_the_quyen_co_ap_dung_cho_bao_hiem_tu_nguyen_khong\" title=\"Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n c\u00f3 \u00e1p d\u1ee5ng cho b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n kh\u00f4ng?\">Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n c\u00f3 \u00e1p d\u1ee5ng cho b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen\/#Neu_ben_thu_ba_khong_tra_toi_co_bi_anh_huong_khong\" title=\"N\u1ebfu b\u00ean th\u1ee9 ba kh\u00f4ng tr\u1ea3, t\u00f4i c\u00f3 b\u1ecb \u1ea3nh h\u01b0\u1edfng kh\u00f4ng?\">N\u1ebfu b\u00ean th\u1ee9 ba kh\u00f4ng tr\u1ea3, t\u00f4i c\u00f3 b\u1ecb \u1ea3nh h\u01b0\u1edfng kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen\/#Nguyen_tac_the_quyen_co_bat_buoc_trong_moi_hop_dong_khong\" title=\"Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n c\u00f3 b\u1eaft bu\u1ed9c trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng kh\u00f4ng?\">Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n c\u00f3 b\u1eaft bu\u1ed9c trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng kh\u00f4ng?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen\/#Ket_luan\" title=\"K\u1ebft lu\u1eadn\">K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Nguyen_tac_the_quyen_la_gi\"><\/span><strong>Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n l\u00e0 quy \u0111\u1ecbnh trong b\u1ea3o hi\u1ec3m, cho ph\u00e9p c\u00f4ng ty b\u1ea3o hi\u1ec3m thay th\u1ebf (th\u1ebf quy\u1ec1n) ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u00f2i b\u1ed3i th\u01b0\u1eddng t\u1eeb b\u00ean th\u1ee9 ba g\u00e2y ra thi\u1ec7t h\u1ea1i, sau khi \u0111\u00e3 chi tr\u1ea3 cho ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m. N\u00f3i \u0111\u01a1n gi\u1ea3n, sau khi c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng cho b\u1ea1n, h\u1ecd c\u00f3 quy\u1ec1n \u201c\u0111\u1ee9ng v\u00e0o v\u1ecb tr\u00ed\u201d c\u1ee7a b\u1ea1n \u0111\u1ec3 truy \u0111\u00f2i s\u1ed1 ti\u1ec1n \u0111\u00f3 t\u1eeb ng\u01b0\u1eddi g\u00e2y thi\u1ec7t h\u1ea1i.<\/p>\n<p style=\"text-align: justify;\">V\u00ed d\u1ee5, n\u1ebfu xe c\u1ee7a b\u1ea1n b\u1ecb xe kh\u00e1c va ch\u1ea1m v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1ea3 ti\u1ec1n s\u1eeda ch\u1eefa, h\u1ecd s\u1ebd d\u00f9ng nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n \u0111\u1ec3 y\u00eau c\u1ea7u b\u00ean g\u00e2y tai n\u1ea1n b\u1ed3i th\u01b0\u1eddng l\u1ea1i. Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n l\u00e0 n\u1ec1n t\u1ea3ng \u0111\u1ea3m b\u1ea3o c\u00f4ng b\u1eb1ng trong b\u1ea3o hi\u1ec3m.<\/p>\n<p><em><strong>T\u00ecm hi\u1ec3u th\u00eam th\u00f4ng tin t\u1ea1i:<\/strong><\/em><\/p>\n<ul>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/ty-le-phi-bao-hiem-la-gi\" target=\"_blank\" rel=\"noopener\">T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? Gi\u1ea3i th\u00edch v\u00e0 c\u00f4ng th\u1ee9c t\u00ednh<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/pham-vi-bao-hiem-la-gi\" target=\"_blank\" rel=\"noopener\">Ph\u1ea1m vi b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? T\u00ecm hi\u1ec3u th\u00f4ng tin chi ti\u1ebft<\/a><\/strong><\/li>\n<\/ul>\n<figure id=\"attachment_4831\" aria-describedby=\"caption-attachment-4831\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4831\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/nguyen-tac-the-quyen-la-gi.jpg\" alt=\"Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n l\u00e0 g\u00ec?\" width=\"600\" height=\"375\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/nguyen-tac-the-quyen-la-gi.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/nguyen-tac-the-quyen-la-gi-300x188.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/nguyen-tac-the-quyen-la-gi-150x94.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4831\" class=\"wp-caption-text\">Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n l\u00e0 g\u00ec?<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Co_so_hinh_thanh_nguyen_tac_the_quyen_trong_bao_hiem\"><\/span><strong>C\u01a1 s\u1edf h\u00ecnh th\u00e0nh nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n trong b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><em>Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n<\/em> \u0111\u01b0\u1ee3c ra \u0111\u1eddi nh\u1eb1m \u0111\u1ea3m b\u1ea3o h\u1ec7 th\u1ed1ng b\u1ea3o hi\u1ec3m v\u1eadn h\u00e0nh h\u1ee3p l\u00fd v\u00e0 minh b\u1ea1ch, nguy\u00ean t\u1eafc h\u00ecnh th\u00e0nh d\u1ef1a tr\u00ean c\u00e1c c\u01a1 s\u1edf ph\u00e1p l\u00fd v\u00e0 th\u1ef1c ti\u1ec5n trong ng\u00e0nh b\u1ea3o hi\u1ec3m:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Lu\u1eadt b\u1ea3o hi\u1ec3m:<\/strong> T\u1ea1i Vi\u1ec7t Nam, \u0110i\u1ec1u 46 Lu\u1eadt Kinh doanh B\u1ea3o hi\u1ec3m 2000 (s\u1eeda \u0111\u1ed5i 2010) quy \u0111\u1ecbnh c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n thay th\u1ebf ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u00f2i b\u1ed3i th\u01b0\u1eddng t\u1eeb b\u00ean th\u1ee9 ba.<\/li>\n<li aria-level=\"1\"><strong>Nguy\u00ean l\u00fd b\u1ed3i th\u01b0\u1eddng:<\/strong> B\u1ea3o hi\u1ec3m nh\u1eb1m kh\u00f4i ph\u1ee5c thi\u1ec7t h\u1ea1i, kh\u00f4ng \u0111\u1ec3 ng\u01b0\u1eddi mua h\u01b0\u1edfng l\u1ee3i k\u00e9p (v\u1eeba nh\u1eadn t\u1eeb b\u1ea3o hi\u1ec3m, v\u1eeba \u0111\u00f2i b\u00ean g\u00e2y h\u1ea1i). Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n ng\u0103n ch\u1eb7n t\u00ecnh tr\u1ea1ng n\u00e0y.<\/li>\n<li aria-level=\"1\"><strong>C\u00f4ng b\u1eb1ng x\u00e3 h\u1ed9i:<\/strong> Ng\u01b0\u1eddi g\u00e2y thi\u1ec7t h\u1ea1i ph\u1ea3i ch\u1ecbu tr\u00e1ch nhi\u1ec7m, thay v\u00ec c\u00f4ng ty b\u1ea3o hi\u1ec3m g\u00e1nh to\u00e0n b\u1ed9 chi ph\u00ed, gi\u00fap gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m chung.<\/li>\n<li aria-level=\"1\"><strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m:<\/strong> \u0110i\u1ec1u kho\u1ea3n th\u1ebf quy\u1ec1n th\u01b0\u1eddng \u0111\u01b0\u1ee3c ghi r\u00f5 trong h\u1ee3p \u0111\u1ed3ng, l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 \u00e1p d\u1ee5ng khi c\u1ea7n.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Dieu_kien_ap_dung_nguyen_tac_the_quyen\"><\/span><strong>\u0110i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">\u0110\u1ec3 \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n, c\u1ea7n \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Thi\u1ec7t h\u1ea1i thu\u1ed9c ph\u1ea1m vi b\u1ea3o hi\u1ec3m:<\/strong> S\u1ef1 c\u1ed1 ph\u1ea3i n\u1eb1m trong danh m\u1ee5c \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3 (tai n\u1ea1n, h\u01b0 h\u1ecfng do b\u00ean th\u1ee9 ba).<\/li>\n<li aria-level=\"1\"><strong>C\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 b\u1ed3i th\u01b0\u1eddng:<\/strong> Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n ch\u1ec9 c\u00f3 hi\u1ec7u l\u1ef1c sau khi c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1ea3 ti\u1ec1n cho b\u1ea1n, kh\u00f4ng \u00e1p d\u1ee5ng tr\u01b0\u1edbc \u0111\u00f3.<\/li>\n<li aria-level=\"1\"><strong>C\u00f3 b\u00ean th\u1ee9 ba ch\u1ecbu tr\u00e1ch nhi\u1ec7m:<\/strong> Ph\u1ea3i x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n\/t\u1ed5 ch\u1ee9c g\u00e2y thi\u1ec7t h\u1ea1i (v\u00ed d\u1ee5, ng\u01b0\u1eddi l\u00e1i xe kh\u00e1c, c\u00f4ng ty x\u00e2y d\u1ef1ng l\u00e0m h\u1ecfng \u0111\u01b0\u1eddng).<\/li>\n<li aria-level=\"1\"><strong>Ng\u01b0\u1eddi mua kh\u00f4ng t\u1eeb b\u1ecf quy\u1ec1n \u0111\u00f2i:<\/strong> N\u1ebfu b\u1ea1n t\u1ef1 \u00fd th\u1ecfa thu\u1eadn v\u1edbi b\u00ean g\u00e2y h\u1ea1i v\u00e0 t\u1eeb ch\u1ed1i quy\u1ec1n truy \u0111\u00f2i, nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n s\u1ebd kh\u00f4ng \u00e1p d\u1ee5ng.<\/li>\n<\/ul>\n<figure id=\"attachment_4832\" aria-describedby=\"caption-attachment-4832\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4832\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/nhung-dieu-kien-nay-giup-nguyen-tac-the-quyen.jpg\" alt=\"Nh\u1eefng \u0111i\u1ec1u ki\u1ec7n n\u00e0y gi\u00fap nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/nhung-dieu-kien-nay-giup-nguyen-tac-the-quyen.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/nhung-dieu-kien-nay-giup-nguyen-tac-the-quyen-300x200.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/nhung-dieu-kien-nay-giup-nguyen-tac-the-quyen-150x100.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4832\" class=\"wp-caption-text\">Nh\u1eefng \u0111i\u1ec1u ki\u1ec7n n\u00e0y gi\u00fap nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Loi_ich_cua_nguyen_tac_the_quyen\"><\/span><strong>L\u1ee3i \u00edch c\u1ee7a nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n mang l\u1ea1i nhi\u1ec1u l\u1ee3i \u00edch cho c\u1ea3 b\u00ean mua b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u01b0 sau:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Nhanh ch\u00f3ng nh\u1eadn b\u1ed3i th\u01b0\u1eddng:<\/strong> B\u1ea1n \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m chi tr\u1ea3 ngay m\u00e0 kh\u00f4ng c\u1ea7n \u0111\u1ee3i tranh ch\u1ea5p v\u1edbi b\u00ean th\u1ee9 ba, ti\u1ebft ki\u1ec7m th\u1eddi gian.<\/li>\n<li aria-level=\"1\"><strong>C\u00f4ng b\u1eb1ng tr\u00e1ch nhi\u1ec7m:<\/strong> Ng\u01b0\u1eddi g\u00e2y thi\u1ec7t h\u1ea1i ph\u1ea3i b\u1ed3i th\u01b0\u1eddng thay v\u00ec b\u1ea1n ch\u1ecbu thi\u1ec7t, ph\u00f9 h\u1ee3p v\u1edbi nguy\u00ean l\u00fd \u201cai g\u00e2y ra th\u00ec tr\u1ea3\u201d.<\/li>\n<li aria-level=\"1\"><strong>Gi\u1ea3m chi ph\u00ed b\u1ea3o hi\u1ec3m:<\/strong> Khi c\u00f4ng ty b\u1ea3o hi\u1ec3m thu h\u1ed3i \u0111\u01b0\u1ee3c ti\u1ec1n t\u1eeb b\u00ean th\u1ee9 ba, h\u1ecd gi\u1ea3m t\u1ed5n th\u1ea5t, t\u1eeb \u0111\u00f3 gi\u1eef ph\u00ed b\u1ea3o hi\u1ec3m \u1edf m\u1ee9c h\u1ee3p l\u00fd.<\/li>\n<li aria-level=\"1\"><strong>B\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i \u0111\u00f4i b\u00ean:<\/strong> Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n gi\u00fap b\u1ea1n \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng \u0111\u1ea7y \u0111\u1ee7, \u0111\u1ed3ng th\u1eddi c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng b\u1ecb thi\u1ec7t h\u1ea1i v\u00f4 l\u00fd.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Quy_dinh_khac_ve_viec_chuyen_quyen_boi_thuong\"><\/span><strong>Quy \u0111\u1ecbnh kh\u00e1c v\u1ec1 vi\u1ec7c chuy\u1ec3n quy\u1ec1n b\u1ed3i th\u01b0\u1eddng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Ngo\u00e0i nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n, ph\u00e1p lu\u1eadt Vi\u1ec7t Nam c\u00f2n c\u00f3 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan \u0111\u1ebfn chuy\u1ec3n quy\u1ec1n b\u1ed3i th\u01b0\u1eddng. Nh\u1eefng quy \u0111\u1ecbnh n\u00e0y b\u1ed5 sung cho nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n, \u0111\u1ea3m b\u1ea3o t\u00ednh minh b\u1ea1ch v\u00e0 h\u1ee3p ph\u00e1p. M\u1ed9t s\u1ed1 quy \u0111\u1ecbnh kh\u00e1c bao g\u1ed3m:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Gi\u1edbi h\u1ea1n truy \u0111\u00f2i:<\/strong> C\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ec9 \u0111\u00f2i l\u1ea1i s\u1ed1 ti\u1ec1n \u0111\u00e3 b\u1ed3i th\u01b0\u1eddng, kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 (tr\u1eeb chi ph\u00ed ph\u00e1t sinh h\u1ee3p l\u00fd nh\u01b0 ki\u1ec7n t\u1ee5ng).<\/li>\n<li aria-level=\"1\"><strong>Th\u1ecfa thu\u1eadn gi\u1eefa c\u00e1c b\u00ean:<\/strong> N\u1ebfu b\u1ea1n v\u00e0 b\u00ean th\u1ee9 ba t\u1ef1 th\u01b0\u01a1ng l\u01b0\u1ee3ng b\u1ed3i th\u01b0\u1eddng tr\u01b0\u1edbc, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 kh\u00f4ng \u00e1p d\u1ee5ng nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n.<\/li>\n<li aria-level=\"1\"><strong>Tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u00e1p d\u1ee5ng:<\/strong> Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n kh\u00f4ng \u0111\u01b0\u1ee3c d\u00f9ng n\u1ebfu thi\u1ec7t h\u1ea1i do l\u1ed7i c\u1ed1 \u00fd c\u1ee7a ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m ho\u1eb7c s\u1ef1 ki\u1ec7n b\u1ea5t kh\u1ea3 kh\u00e1ng (thi\u00ean tai).<\/li>\n<li aria-level=\"1\"><strong>Th\u1eddi hi\u1ec7u kh\u1edfi ki\u1ec7n:<\/strong> Theo B\u1ed9 lu\u1eadt D\u00e2n s\u1ef1, c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i kh\u1edfi ki\u1ec7n b\u00ean th\u1ee9 ba trong v\u00f2ng 3 n\u0103m k\u1ec3 t\u1eeb ng\u00e0y b\u1ed3i th\u01b0\u1eddng.<\/li>\n<\/ul>\n<figure id=\"attachment_4833\" aria-describedby=\"caption-attachment-4833\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4833\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/quy-dinh-khac-ve-viec-chuyen-quyen-boi-thuong.jpg\" alt=\"Quy \u0111\u1ecbnh kh\u00e1c v\u1ec1 vi\u1ec7c chuy\u1ec3n quy\u1ec1n b\u1ed3i th\u01b0\u1eddng\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/quy-dinh-khac-ve-viec-chuyen-quyen-boi-thuong.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/quy-dinh-khac-ve-viec-chuyen-quyen-boi-thuong-300x200.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/04\/quy-dinh-khac-ve-viec-chuyen-quyen-boi-thuong-150x100.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4833\" class=\"wp-caption-text\">Quy \u0111\u1ecbnh kh\u00e1c v\u1ec1 vi\u1ec7c chuy\u1ec3n quy\u1ec1n b\u1ed3i th\u01b0\u1eddng<\/figcaption><\/figure>\n<p><em><strong>Xem th\u00eam th\u00f4ng tin:<\/strong><\/em><\/p>\n<ul>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/muc-khau-tru-bao-hiem-la-gi\" target=\"_blank\" rel=\"noopener\">M\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? \u00c1p d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p n\u00e0o?<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/dong-chi-tra-bao-hiem-la-gi\" target=\"_blank\" rel=\"noopener\">\u0110\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? H\u01b0\u1edbng d\u1eabn c\u00e1ch t\u00ednh ch\u00ednh x\u00e1c<\/a><\/strong><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Cau_hoi_thuong_gap\"><\/span><strong>C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Nguyen_tac_the_quyen_co_ap_dung_cho_bao_hiem_tu_nguyen_khong\"><\/span><strong>Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n c\u00f3 \u00e1p d\u1ee5ng cho b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, n\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ghi r\u00f5 \u0111i\u1ec1u kho\u1ea3n n\u00e0y, kh\u00f4ng ch\u1ec9 gi\u1edbi h\u1ea1n \u1edf b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Neu_ben_thu_ba_khong_tra_toi_co_bi_anh_huong_khong\"><\/span><strong>N\u1ebfu b\u00ean th\u1ee9 ba kh\u00f4ng tr\u1ea3, t\u00f4i c\u00f3 b\u1ecb \u1ea3nh h\u01b0\u1edfng kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng, b\u1ea1n \u0111\u00e3 nh\u1eadn b\u1ed3i th\u01b0\u1eddng t\u1eeb b\u1ea3o hi\u1ec3m, vi\u1ec7c truy \u0111\u00f2i l\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a c\u00f4ng ty.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Nguyen_tac_the_quyen_co_bat_buoc_trong_moi_hop_dong_khong\"><\/span><strong>Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n c\u00f3 b\u1eaft bu\u1ed9c trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng, nh\u01b0ng h\u1ea7u h\u1ebft h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u \u00e1p d\u1ee5ng \u0111\u1ec3 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch \u0111\u00f4i b\u00ean.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><strong>K\u1ebft lu\u1eadn<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Hy v\u1ecdng v\u1edbi nh\u1eefng th\u00f4ng tin m\u00e0 B\u1ea3o hi\u1ec3m Tasco cung c\u1ea5p, b\u1ea1n \u0111\u1ecdc \u0111\u00e3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 <span style=\"text-decoration: underline;\">nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n<\/span>, \u0111\u1ea3m b\u1ea3o c\u00f4ng b\u1eb1ng v\u00e0 hi\u1ec7u qu\u1ea3 cho c\u1ea3 ng\u01b0\u1eddi mua l\u1eabn c\u00f4ng ty b\u1ea3o hi\u1ec3m. M\u1ecdi c\u00e2u h\u1ecfi li\u00ean quan \u0111\u1ebfn <strong><a href=\"https:\/\/baohiemtasco.vn\/bao-hiem-xe-co-gioi\" target=\"_blank\" rel=\"noopener\">b\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/a><\/strong> vui l\u00f2ng li\u00ean h\u1ec7 t\u1edbi s\u1ed1 hotline ho\u1eb7c \u0111\u1ec3 l\u1ea1i c\u00e2u h\u1ecfi tr\u00ean website c\u1ee7a B\u1ea3o hi\u1ec3m Tasco \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 gi\u1ea3i \u0111\u00e1p chi ti\u1ebft!<\/p>\n<p><strong>C\u00d4NG TY TNHH B\u1ea2O HI\u1ec2M TASCO &#8211; TASCO INSURANCE CO., LTD <\/strong><br \/>\n\ud83c\udfe2 TSC: T\u00f2a nh\u00e0 Tasco, Ph\u1ea1m H\u00f9ng, M\u1ec5 Tr\u00ec, Nam T\u1eeb Li\u00eam, H\u00e0 N\u1ed9i<br \/>\n\ud83d\udce9 Email: info@baohiemtasco.vn<br \/>\n\ud83c\udf10 Website: <strong><a href=\"https:\/\/baohiemtasco.vn\" target=\"_blank\" rel=\"noopener\">baohiemtasco.vn<\/a><\/strong><br \/>\n\u260e\ufe0f Hotline: 1900 1562<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n (subrobgation) l\u00e0 c\u01a1 ch\u1ebf gi\u00fap b\u1ea3o v\u1ec7 c\u1ea3 b\u00ean mua b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m khi x\u1ea3y ra s\u1ef1 c\u1ed1. Tuy l\u00e0 m\u1ed9t nguy\u00ean t\u1eafc quan tr\u1ecdng trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m nh\u01b0ng kh\u00f4ng ph\u1ea3i ai c\u0169ng hi\u1ec3u r\u00f5, d\u00f9 nguy\u00ean t\u1eafc n\u00e0y \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn quy\u1ec1n [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4834,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[15],"tags":[],"class_list":{"0":"post-4830","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-thong-tin-bao-hiem"},"_links":{"self":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4830","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/comments?post=4830"}],"version-history":[{"count":4,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4830\/revisions"}],"predecessor-version":[{"id":4902,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4830\/revisions\/4902"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/4834"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=4830"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=4830"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=4830"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}