{"id":4941,"date":"2025-05-20T16:24:56","date_gmt":"2025-05-20T09:24:56","guid":{"rendered":"https:\/\/baohiemtasco.vn\/blog\/?p=4941"},"modified":"2025-05-16T14:02:27","modified_gmt":"2025-05-16T07:02:27","slug":"hop-dong-bao-hiem","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem","title":{"rendered":"H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? Nh\u1eefng t\u00ednh ch\u1ea5t quan tr\u1ecdng c\u1ea7n hi\u1ec3u r\u00f5 v\u1ec1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 t\u00e0i li\u1ec7u ph\u00e1p l\u00fd quan tr\u1ecdng m\u00e0 b\u1ea5t k\u1ef3 ai tham gia b\u1ea3o hi\u1ec3m c\u0169ng c\u1ea7n n\u1eafm r\u00f5 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh. \u0110\u00e2y kh\u00f4ng ch\u1ec9 l\u00e0 th\u1ecfa thu\u1eadn gi\u1eefa b\u1ea1n v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p khi c\u1ea7n. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u1ea3i th\u00edch <a href=\"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\"><strong>h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong><\/a> l\u00e0 g\u00ec, t\u00ednh ch\u1ea5t, thu\u1eadt ng\u1eef th\u01b0\u1eddng g\u1eb7p, c\u00e1ch \u0111\u1ecdc hi\u1ec3u \u0111\u00fang v\u00e0 gi\u1ea3i \u0111\u00e1p th\u1eafc m\u1eafc \u0111\u1ec3 b\u1ea1n t\u1ef1 tin h\u01a1n.<\/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\/hop-dong-bao-hiem\/#Hop_dong_bao_hiem_la_gi\" title=\"H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m 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\/hop-dong-bao-hiem\/#Tinh_chat_cua_hop_dong_bao_hiem\" title=\"T\u00ednh ch\u1ea5t c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m\">T\u00ednh ch\u1ea5t c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/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:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\/#Hop_dong_mang_tinh_tuong_thuan_song_vu\" title=\"H\u1ee3p \u0111\u1ed3ng mang t\u00ednh t\u01b0\u01a1ng thu\u1eadn, song v\u1ee5\">H\u1ee3p \u0111\u1ed3ng mang t\u00ednh t\u01b0\u01a1ng thu\u1eadn, song v\u1ee5<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\/#Hop_dong_mang_tinh_chat_may_rui\" title=\"H\u1ee3p \u0111\u1ed3ng mang t\u00ednh ch\u1ea5t may r\u1ee7i\">H\u1ee3p \u0111\u1ed3ng mang t\u00ednh ch\u1ea5t may r\u1ee7i<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\/#Hop_dong_co_tinh_chat_trung_thuc_toi_da\" title=\"H\u1ee3p \u0111\u1ed3ng c\u00f3 t\u00ednh ch\u1ea5t trung th\u1ef1c t\u1ed1i \u0111a\">H\u1ee3p \u0111\u1ed3ng c\u00f3 t\u00ednh ch\u1ea5t trung th\u1ef1c t\u1ed1i \u0111a<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\/#Hop_dong_bao_hiem_theo_mau_co_dinh\" title=\"H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m theo m\u1eabu c\u1ed1 \u0111\u1ecbnh\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m theo m\u1eabu c\u1ed1 \u0111\u1ecbnh<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\/#Cac_thuat_ngu_thuong_su_dung_trong_hop_dong_bao_hiem\" title=\"C\u00e1c thu\u1eadt ng\u1eef th\u01b0\u1eddng s\u1eed d\u1ee5ng trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m\">C\u00e1c thu\u1eadt ng\u1eef th\u01b0\u1eddng s\u1eed d\u1ee5ng trong h\u1ee3p \u0111\u1ed3ng 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-8\" href=\"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\/#Doc_ky_va_hieu_dung_truoc_khi_ky_hop_dong_bao_hiem\" title=\"\u0110\u1ecdc k\u1ef9 v\u00e0 hi\u1ec3u \u0111\u00fang tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m\">\u0110\u1ecdc k\u1ef9 v\u00e0 hi\u1ec3u \u0111\u00fang tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng 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-9\" href=\"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\/#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-10\" href=\"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\/#1_Hop_dong_bao_hiem_co_the_huy_khong\" title=\"1. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 h\u1ee7y kh\u00f4ng?\">1. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 h\u1ee7y kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\/#2_Khai_sai_thong_tin_trong_bao_hiem_hop_dong_co_van_de_gi_khong\" title=\"2. Khai sai th\u00f4ng tin trong b\u1ea3o hi\u1ec3m h\u1ee3p \u0111\u1ed3ng c\u00f3 v\u1ea5n \u0111\u1ec1 g\u00ec kh\u00f4ng?\">2. Khai sai th\u00f4ng tin trong b\u1ea3o hi\u1ec3m h\u1ee3p \u0111\u1ed3ng c\u00f3 v\u1ea5n \u0111\u1ec1 g\u00ec kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\/#3_Ai_co_quyen_ky_hop_dong_bao_hiem\" title=\"3. Ai c\u00f3 quy\u1ec1n k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?\">3. Ai c\u00f3 quy\u1ec1n k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\/#4_Hop_dong_bao_hiem_co_gia_tri_bao_lau\" title=\"4. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 gi\u00e1 tr\u1ecb bao l\u00e2u?\">4. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 gi\u00e1 tr\u1ecb bao l\u00e2u?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/baohiemtasco.vn\/blog\/hop-dong-bao-hiem\/#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=\"Hop_dong_bao_hiem_la_gi\"><\/span><strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 th\u1ecfa thu\u1eadn b\u1eb1ng v\u0103n b\u1ea3n gi\u1eefa b\u00ean mua b\u1ea3o hi\u1ec3m (c\u00e1 nh\u00e2n ho\u1eb7c t\u1ed5 ch\u1ee9c) v\u00e0 b\u00ean cung c\u1ea5p b\u1ea3o hi\u1ec3m (c\u00f4ng ty b\u1ea3o hi\u1ec3m), trong \u0111\u00f3 b\u00ean mua \u0111\u00f3ng ph\u00ed \u0111\u1ec3 nh\u1eadn s\u1ef1 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh khi x\u1ea3y ra s\u1ef1 ki\u1ec7n r\u1ee7i ro (tai n\u1ea1n, b\u1ec7nh t\u1eadt, t\u1eed vong). C\u00f4ng ty b\u1ea3o hi\u1ec3m cam k\u1ebft chi tr\u1ea3 m\u1ed9t kho\u1ea3n ti\u1ec1n theo \u0111i\u1ec1u kho\u1ea3n \u0111\u00e3 th\u1ecfa thu\u1eadn khi s\u1ef1 ki\u1ec7n \u0111\u00f3 x\u1ea3y ra. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u00e1p d\u1ee5ng cho nhi\u1ec1u l\u0129nh v\u1ef1c nh\u01b0 nh\u00e2n th\u1ecd, s\u1ee9c kh\u1ecfe, t\u00e0i s\u1ea3n, \u00f4 t\u00f4. T\u1ea1i Vi\u1ec7t Nam, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh b\u1edfi Lu\u1eadt Kinh doanh B\u1ea3o hi\u1ec3m 2000 (s\u1eeda \u0111\u1ed5i 2010), \u0111\u1ea3m b\u1ea3o t\u00ednh ph\u00e1p l\u00fd v\u00e0 minh b\u1ea1ch cho c\u00e1c b\u00ean.<\/p>\n<p><em><strong>Th\u00f4ng tin b\u1ed5 sung:<\/strong><\/em><\/p>\n<ul>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-lien-ket-don-vi-la-gi\" target=\"_blank\" rel=\"noopener\">B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb l\u00e0 g\u00ec? Quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o?<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-khoan-vay-chi-tra-trong-truong-hop-nao\" target=\"_blank\" rel=\"noopener\">[Gi\u1ea3i \u0111\u00e1p] B\u1ea3o hi\u1ec3m kho\u1ea3n vay chi tr\u1ea3 trong tr\u01b0\u1eddng h\u1ee3p n\u00e0o?<\/a><\/strong><\/li>\n<\/ul>\n<figure id=\"attachment_4942\" aria-describedby=\"caption-attachment-4942\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4942\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/hop-dong-bao-hiem-la-gi.jpg\" alt=\"H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?\" width=\"600\" height=\"399\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/hop-dong-bao-hiem-la-gi.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/hop-dong-bao-hiem-la-gi-300x200.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/hop-dong-bao-hiem-la-gi-150x100.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4942\" class=\"wp-caption-text\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Tinh_chat_cua_hop_dong_bao_hiem\"><\/span><strong>T\u00ednh ch\u1ea5t c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 nh\u1eefng \u0111\u1eb7c \u0111i\u1ec3m ri\u00eang bi\u1ec7t, gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 b\u1ea3n ch\u1ea5t c\u1ee7a n\u00f3:<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Hop_dong_mang_tinh_tuong_thuan_song_vu\"><\/span><strong>H\u1ee3p \u0111\u1ed3ng mang t\u00ednh t\u01b0\u01a1ng thu\u1eadn, song v\u1ee5<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 s\u1ef1 th\u1ecfa thu\u1eadn t\u1ef1 nguy\u1ec7n gi\u1eefa hai b\u00ean, trong \u0111\u00f3 m\u1ed7i b\u00ean \u0111\u1ec1u c\u00f3 quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5. B\u1ea1n \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00fang h\u1ea1n, c\u00f2n c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i chi tr\u1ea3 khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m. T\u00ednh t\u01b0\u01a1ng thu\u1eadn, song v\u1ee5 n\u00e0y \u0111\u00f2i h\u1ecfi s\u1ef1 \u0111\u1ed3ng \u00fd v\u00e0 cam k\u1ebft r\u00f5 r\u00e0ng t\u1eeb c\u1ea3 hai ph\u00eda \u0111\u1ec3 h\u1ee3p \u0111\u1ed3ng c\u00f3 hi\u1ec7u l\u1ef1c.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Hop_dong_mang_tinh_chat_may_rui\"><\/span><strong>H\u1ee3p \u0111\u1ed3ng mang t\u00ednh ch\u1ea5t may r\u1ee7i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ch\u1ec9 ph\u00e1t huy t\u00e1c d\u1ee5ng khi c\u00f3 r\u1ee7i ro x\u1ea3y ra nh\u01b0 tai n\u1ea1n ho\u1eb7c b\u1ec7nh t\u1eadt, m\u00e0 kh\u00f4ng ai d\u1ef1 \u0111o\u00e1n ch\u00ednh x\u00e1c \u0111\u01b0\u1ee3c. N\u1ebfu kh\u00f4ng c\u00f3 s\u1ef1 ki\u1ec7n n\u00e0o x\u1ea3y ra, b\u1ea1n c\u00f3 th\u1ec3 kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n chi tr\u1ea3 n\u00e0o (tr\u1eeb g\u00f3i t\u00edch l\u0169y). T\u00ednh may r\u1ee7i l\u00e0 \u0111\u1eb7c tr\u01b0ng c\u01a1 b\u1ea3n khi\u1ebfn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00e1c v\u1edbi c\u00e1c h\u1ee3p \u0111\u1ed3ng th\u01b0\u01a1ng m\u1ea1i th\u00f4ng th\u01b0\u1eddng.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Hop_dong_co_tinh_chat_trung_thuc_toi_da\"><\/span><strong>H\u1ee3p \u0111\u1ed3ng c\u00f3 t\u00ednh ch\u1ea5t trung th\u1ef1c t\u1ed1i \u0111a<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u s\u1ef1 trung th\u1ef1c tuy\u1ec7t \u0111\u1ed1i t\u1eeb ng\u01b0\u1eddi tham gia. B\u1ea1n ph\u1ea3i khai b\u00e1o \u0111\u1ea7y \u0111\u1ee7, ch\u00ednh x\u00e1c v\u1ec1 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe, t\u00e0i s\u1ea3n ho\u1eb7c r\u1ee7i ro li\u00ean quan. N\u1ebfu c\u1ed1 \u00fd che gi\u1ea5u (v\u00ed d\u1ee5: b\u1ec7nh c\u00f3 s\u1eb5n), c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n t\u1eeb ch\u1ed1i chi tr\u1ea3. T\u00ednh trung th\u1ef1c t\u1ed1i \u0111a b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a c\u1ea3 hai b\u00ean.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Hop_dong_bao_hiem_theo_mau_co_dinh\"><\/span><strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m theo m\u1eabu c\u1ed1 \u0111\u1ecbnh<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c so\u1ea1n s\u1eb5n theo m\u1eabu do c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p, kh\u00f4ng d\u1ec5 thay \u0111\u1ed5i n\u1ed9i dung. \u0110i\u1ec1u n\u00e0y \u0111\u1ea3m b\u1ea3o t\u00ednh th\u1ed1ng nh\u1ea5t v\u00e0 chuy\u00ean nghi\u1ec7p, nh\u01b0ng c\u0169ng \u0111\u00f2i h\u1ecfi b\u1ea1n ph\u1ea3i \u0111\u1ecdc k\u1ef9 \u0111\u1ec3 hi\u1ec3u r\u00f5 quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a m\u00ecnh trong khu\u00f4n kh\u1ed5 m\u1eabu c\u1ed1 \u0111\u1ecbnh \u0111\u00f3.<\/p>\n<figure id=\"attachment_4943\" aria-describedby=\"caption-attachment-4943\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4943\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/hop-dong-bao-hiem-theo-mau-co-dinh.jpg\" alt=\"H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m theo m\u1eabu c\u1ed1 \u0111\u1ecbnh\" width=\"600\" height=\"373\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/hop-dong-bao-hiem-theo-mau-co-dinh.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/hop-dong-bao-hiem-theo-mau-co-dinh-300x187.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/hop-dong-bao-hiem-theo-mau-co-dinh-150x93.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4943\" class=\"wp-caption-text\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m theo m\u1eabu c\u1ed1 \u0111\u1ecbnh<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Cac_thuat_ngu_thuong_su_dung_trong_hop_dong_bao_hiem\"><\/span><strong>C\u00e1c thu\u1eadt ng\u1eef th\u01b0\u1eddng s\u1eed d\u1ee5ng trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><em>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/em> ch\u1ee9a nhi\u1ec1u thu\u1eadt ng\u1eef chuy\u00ean ng\u00e0nh m\u00e0 b\u1ea1n c\u1ea7n bi\u1ebft \u0111\u1ec3 tr\u00e1nh nh\u1ea7m l\u1eabn, hi\u1ec3u c\u00e1c thu\u1eadt ng\u1eef n\u00e0y gi\u00fap b\u1ea1n \u0111\u1ecdc h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c v\u00e0 \u0111\u1ea7y \u0111\u1ee7.<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Ph\u00ed b\u1ea3o hi\u1ec3m:<\/strong> Kho\u1ea3n ti\u1ec1n b\u1ea1n \u0111\u00f3ng \u0111\u1ecbnh k\u1ef3 (h\u00e0ng th\u00e1ng, qu\u00fd, n\u0103m) \u0111\u1ec3 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng.<\/li>\n<li aria-level=\"1\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m:<\/strong> S\u1ed1 ti\u1ec1n t\u1ed1i \u0111a c\u00f4ng ty b\u1ea3o hi\u1ec3m chi tr\u1ea3 khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/li>\n<li aria-level=\"1\"><strong>Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng:<\/strong> Ng\u01b0\u1eddi nh\u1eadn quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m (c\u00f3 th\u1ec3 l\u00e0 b\u1ea1n ho\u1eb7c ng\u01b0\u1eddi th\u00e2n).<\/li>\n<li aria-level=\"1\"><strong>S\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m:<\/strong> S\u1ef1 c\u1ed1 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3, nh\u01b0 t\u1eed vong, tai n\u1ea1n, h\u01b0 h\u1ecfng t\u00e0i s\u1ea3n.<\/li>\n<li aria-level=\"1\"><strong>Th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng:<\/strong> Kho\u1ea3ng th\u1eddi gian h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c (1 n\u0103m, 10 n\u0103m, tr\u1ecdn \u0111\u1eddi).<\/li>\n<li aria-level=\"1\"><strong>Gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i:<\/strong> Kho\u1ea3n ti\u1ec1n t\u00edch l\u0169y tr\u1ea3 l\u1ea1i n\u1ebfu h\u1ee7y h\u1ee3p \u0111\u1ed3ng ho\u1eb7c \u0111\u00e1o h\u1ea1n (n\u1ebfu c\u00f3).<\/li>\n<\/ul>\n<p><em><strong>Xem th\u00eam th\u00f4ng tin:<\/strong><\/em><\/p>\n<ul>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/fyp-la-gi-trong-bao-hiem\" target=\"_blank\" rel=\"noopener\">FYP l\u00e0 g\u00ec trong b\u1ea3o hi\u1ec3m? Gi\u1ea3i th\u00edch chi ti\u1ebft cho ng\u01b0\u1eddi m\u1edbi<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/vai-tro-cua-bao-hiem\" target=\"_blank\" rel=\"noopener\">Vai tr\u00f2 c\u1ee7a b\u1ea3o hi\u1ec3m v\u1edbi \u0111\u1eddi s\u1ed1ng, kinh t\u1ebf v\u00e0 x\u00e3 h\u1ed9i<\/a><\/strong><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Doc_ky_va_hieu_dung_truoc_khi_ky_hop_dong_bao_hiem\"><\/span><strong>\u0110\u1ecdc k\u1ef9 v\u00e0 hi\u1ec3u \u0111\u00fang tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Tr\u01b0\u1edbc khi \u0111\u1eb7t b\u00fat k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, vi\u1ec7c \u0111\u1ecdc k\u1ef9 v\u00e0 hi\u1ec3u \u0111\u00fang n\u1ed9i dung l\u00e0 v\u00f4 c\u00f9ng quan tr\u1ecdng \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i v\u00e0 tr\u00e1nh hi\u1ec3u l\u1ea7m kh\u00f4ng \u0111\u00e1ng c\u00f3:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Ki\u1ec3m tra quy\u1ec1n l\u1ee3i:<\/strong> B\u1ea1n c\u1ea7n xem r\u00f5 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, tr\u01b0\u1eddng h\u1ee3p n\u00e0o \u0111\u01b0\u1ee3c chi tr\u1ea3 v\u00e0 c\u00f3 quy\u1ec1n l\u1ee3i b\u1ed5 sung kh\u00f4ng (b\u1ec7nh hi\u1ec3m ngh\u00e8o, tai n\u1ea1n).<\/li>\n<li aria-level=\"1\"><strong>X\u00e1c nh\u1eadn ngh\u0129a v\u1ee5:<\/strong> B\u1ea1n n\u00ean n\u1eafm ch\u1eafc m\u1ee9c ph\u00ed, th\u1eddi gian \u0111\u00f3ng v\u00e0 h\u1eadu qu\u1ea3 n\u1ebfu tr\u1ec5 h\u1ea1n (m\u1ea5t hi\u1ec7u l\u1ef1c, ph\u1ea1t ph\u00ed).<\/li>\n<li aria-level=\"1\"><strong>H\u1ecfi v\u1ec1 \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb:<\/strong> B\u1ea1n h\u00e3y h\u1ecfi r\u00f5 c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m (b\u1ec7nh c\u00f3 s\u1eb5n, h\u00e0nh vi c\u1ed1 \u00fd) \u0111\u1ec3 tr\u00e1nh tranh c\u00e3i sau n\u00e0y.<\/li>\n<li aria-level=\"1\"><strong>So s\u00e1nh v\u1edbi nhu c\u1ea7u:<\/strong> B\u1ea1n c\u1ea7n \u0111\u1ea3m b\u1ea3o h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh v\u00e0 kh\u1ea3 n\u0103ng chi tr\u1ea3 c\u1ee7a m\u00ecnh.<\/li>\n<li aria-level=\"1\"><strong>Nh\u1edd t\u01b0 v\u1ea5n:<\/strong> N\u1ebfu kh\u00f4ng hi\u1ec3u, b\u1ea1n n\u00ean y\u00eau c\u1ea7u nh\u00e2n vi\u00ean gi\u1ea3i th\u00edch t\u1eebng \u0111i\u1ec1u kho\u1ea3n \u0111\u1ec3 k\u00fd v\u1edbi s\u1ef1 t\u1ef1 tin.<\/li>\n<\/ul>\n<figure id=\"attachment_4944\" aria-describedby=\"caption-attachment-4944\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4944\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/doc-ky-va-hieu-dung-truoc-khi-ky-hop-dong-bao-hiem.jpg\" alt=\"\u0110\u1ecdc k\u1ef9 v\u00e0 hi\u1ec3u \u0111\u00fang tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m\" width=\"600\" height=\"337\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/doc-ky-va-hieu-dung-truoc-khi-ky-hop-dong-bao-hiem.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/doc-ky-va-hieu-dung-truoc-khi-ky-hop-dong-bao-hiem-300x169.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/doc-ky-va-hieu-dung-truoc-khi-ky-hop-dong-bao-hiem-150x84.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4944\" class=\"wp-caption-text\">\u0110\u1ecdc k\u1ef9 v\u00e0 hi\u1ec3u \u0111\u00fang tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/figcaption><\/figure>\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=\"1_Hop_dong_bao_hiem_co_the_huy_khong\"><\/span><strong>1. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 h\u1ee7y kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, b\u1ea1n c\u00f3 th\u1ec3 h\u1ee7y, nh\u01b0ng c\u00f3 th\u1ec3 m\u1ea5t m\u1ed9t ph\u1ea7n ph\u00ed ho\u1eb7c nh\u1eadn gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i (n\u1ebfu c\u00f3), t\u00f9y lo\u1ea1i h\u1ee3p \u0111\u1ed3ng.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Khai_sai_thong_tin_trong_bao_hiem_hop_dong_co_van_de_gi_khong\"><\/span><strong>2. Khai sai th\u00f4ng tin trong b\u1ea3o hi\u1ec3m h\u1ee3p \u0111\u1ed3ng c\u00f3 v\u1ea5n \u0111\u1ec1 g\u00ec kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i chi tr\u1ea3 khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Ai_co_quyen_ky_hop_dong_bao_hiem\"><\/span><strong>3. Ai c\u00f3 quy\u1ec1n k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Ng\u01b0\u1eddi \u0111\u1ee7 18 tu\u1ed5i, c\u00f3 n\u0103ng l\u1ef1c h\u00e0nh vi d\u00e2n s\u1ef1 ho\u1eb7c ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n h\u1ee3p ph\u00e1p (cho tr\u1ebb em).<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Hop_dong_bao_hiem_co_gia_tri_bao_lau\"><\/span><strong>4. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 gi\u00e1 tr\u1ecb bao l\u00e2u?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">T\u00f9y lo\u1ea1i, t\u1eeb 1 n\u0103m (phi nh\u00e2n th\u1ecd) \u0111\u1ebfn tr\u1ecdn \u0111\u1eddi (nh\u00e2n th\u1ecd), \u0111\u01b0\u1ee3c ghi r\u00f5 trong h\u1ee3p \u0111\u1ed3ng.<\/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 tr\u00ean \u0111\u00e2y b\u1ea1n \u0111\u1ecdc \u0111\u00e3 c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng th\u00f4ng tin li\u00ean quan v\u1ec1 <span style=\"text-decoration: underline;\">h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/span>. N\u1ebfu b\u1ea1n quan t\u00e2m t\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hay c\u00f3 b\u1ea5t k\u1ef3 c\u00e2u h\u1ecfi n\u00e0o li\u00ean quan vui l\u00f2ng li\u00ean h\u1ec7 t\u1edbi s\u1ed1 hotline \u0111\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1ed9i ng\u0169 c\u1ee7a B\u1ea3o hi\u1ec3m Tasco h\u1ed7 tr\u1ee3 gi\u1ea3i \u0111\u00e1p nh\u00e9!<\/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>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 t\u00e0i li\u1ec7u ph\u00e1p l\u00fd quan tr\u1ecdng m\u00e0 b\u1ea5t k\u1ef3 ai tham gia b\u1ea3o hi\u1ec3m c\u0169ng c\u1ea7n n\u1eafm r\u00f5 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh. \u0110\u00e2y kh\u00f4ng ch\u1ec9 l\u00e0 th\u1ecfa thu\u1eadn gi\u1eefa b\u1ea1n v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 gi\u1ea3i quy\u1ebft tranh ch\u1ea5p khi c\u1ea7n. [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4945,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[15],"tags":[],"class_list":["post-4941","post","type-post","status-publish","format-standard","has-post-thumbnail","category-thong-tin-bao-hiem"],"_links":{"self":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4941","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=4941"}],"version-history":[{"count":4,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4941\/revisions"}],"predecessor-version":[{"id":5140,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4941\/revisions\/5140"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/4945"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=4941"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=4941"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=4941"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}