{"id":4964,"date":"2025-05-20T16:06:56","date_gmt":"2025-05-20T09:06:56","guid":{"rendered":"https:\/\/baohiemtasco.vn\/blog\/?p=4964"},"modified":"2025-05-16T14:12:59","modified_gmt":"2025-05-16T07:12:59","slug":"bao-hiem-lien-ket-don-vi-la-gi","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-lien-ket-don-vi-la-gi","title":{"rendered":"B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb l\u00e0 g\u00ec? \u0110i\u1ec1u ki\u1ec7n t\u1ea1o s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb l\u00e0 g\u00ec l\u00e0 c\u00e2u h\u1ecfi m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1eb7t ra khi t\u00ecm hi\u1ec3u v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd k\u1ebft h\u1ee3p \u0111\u1ea7u t\u01b0 hi\u1ec7n nay. \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m v\u1eeba b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh v\u1eeba mang l\u1ea1i c\u01a1 h\u1ed9i sinh l\u1eddi, nh\u01b0ng kh\u00f4ng ph\u1ea3i ai c\u0169ng hi\u1ec3u r\u00f5 c\u00e1ch ho\u1ea1t \u0111\u1ed9ng c\u1ee7a n\u00f3. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u1ea3i th\u00edch <a href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-lien-ket-don-vi-la-gi\"><strong>b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb l\u00e0 g\u00ec<\/strong><\/a>, \u0111i\u1ec1u ki\u1ec7n t\u1ea1o s\u1ea3n ph\u1ea9m, quy\u1ec1n l\u1ee3i, s\u1ef1 kh\u00e1c bi\u1ec7t v\u1edbi li\u00ean k\u1ebft chung v\u00e0 gi\u1ea3i \u0111\u00e1p th\u1eafc m\u1eafc \u0111\u1ec3 b\u1ea1n n\u1eafm r\u00f5 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\/bao-hiem-lien-ket-don-vi-la-gi\/#Bao_hiem_lien_ket_don_vi_la_gi\" title=\"B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb l\u00e0 g\u00ec?\">B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb 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\/bao-hiem-lien-ket-don-vi-la-gi\/#Dieu_kien_tao_san_pham_lien_ket_don_vi\" title=\"\u0110i\u1ec1u ki\u1ec7n t\u1ea1o s\u1ea3n ph\u1ea9m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb\">\u0110i\u1ec1u ki\u1ec7n t\u1ea1o s\u1ea3n ph\u1ea9m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb<\/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\/bao-hiem-lien-ket-don-vi-la-gi\/#Quyen_loi_bao_hiem_lien_ket_don_vi\" title=\"Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb\">Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb<\/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\/bao-hiem-lien-ket-don-vi-la-gi\/#Phan_biet_bao_hiem_lien_ket_chung_va_bao_hiem_lien_ket_don_vi\" title=\"Ph\u00e2n bi\u1ec7t b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft chung v\u00e0 b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb\">Ph\u00e2n bi\u1ec7t b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft chung v\u00e0 b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb<\/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\/bao-hiem-lien-ket-don-vi-la-gi\/#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-6\" href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-lien-ket-don-vi-la-gi\/#1_Bao_hiem_lien_ket_don_vi_co_giong_bao_hiem_truyen_thong_khong\" title=\"1. B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb c\u00f3 gi\u1ed1ng b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng kh\u00f4ng?\">1. B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb c\u00f3 gi\u1ed1ng b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-lien-ket-don-vi-la-gi\/#2_Bao_hiem_lien_ket_don_vi_co_rut_tien_som_duoc_khong\" title=\"2. B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb c\u00f3 r\u00fat ti\u1ec1n s\u1edbm \u0111\u01b0\u1ee3c kh\u00f4ng?\">2. B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb c\u00f3 r\u00fat ti\u1ec1n s\u1edbm \u0111\u01b0\u1ee3c 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\/bao-hiem-lien-ket-don-vi-la-gi\/#3_Ai_nen_tham_gia_bao_hiem_lien_ket_don_vi\" title=\"3. Ai n\u00ean tham gia b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb?\">3. Ai n\u00ean tham gia b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb?<\/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\/bao-hiem-lien-ket-don-vi-la-gi\/#4_Bao_hiem_lien_ket_don_vi_co_an_toan_khong\" title=\"4. B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb c\u00f3 an to\u00e0n kh\u00f4ng?\">4. B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb c\u00f3 an to\u00e0n 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\/bao-hiem-lien-ket-don-vi-la-gi\/#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=\"Bao_hiem_lien_ket_don_vi_la_gi\"><\/span><strong>B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">\u0110\u00e2y l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd k\u1ebft h\u1ee3p gi\u1eefa b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh v\u00e0 \u0111\u1ea7u t\u01b0, trong \u0111\u00f3 ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c chia th\u00e0nh hai ph\u1ea7n: m\u1ed9t ph\u1ea7n d\u00f9ng \u0111\u1ec3 b\u1ea3o hi\u1ec3m r\u1ee7i ro (t\u1eed vong, tai n\u1ea1n), ph\u1ea7n c\u00f2n l\u1ea1i \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c qu\u1ef9 li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb do c\u00f4ng ty b\u1ea3o hi\u1ec3m qu\u1ea3n l\u00fd. M\u1ed7i qu\u1ef9 n\u00e0y g\u1ed3m c\u00e1c t\u00e0i s\u1ea3n t\u00e0i ch\u00ednh (c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, ti\u1ec1n g\u1eedi) v\u1edbi m\u1ee9c r\u1ee7i ro v\u00e0 l\u1ee3i nhu\u1eadn kh\u00e1c nhau, \u0111\u01b0\u1ee3c t\u00ednh b\u1eb1ng \u0111\u01a1n v\u1ecb qu\u1ef9 (unit). Kh\u00e1c v\u1edbi b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng, b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb l\u00e0 g\u00ec c\u00f2n n\u1eb1m \u1edf t\u00ednh minh b\u1ea1ch: b\u1ea1n c\u00f3 th\u1ec3 theo d\u00f5i gi\u00e1 tr\u1ecb qu\u1ef9 v\u00e0 quy\u1ebft \u0111\u1ecbnh ph\u00e2n b\u1ed5 ph\u00ed v\u00e0o qu\u1ef9 n\u00e0o, mang l\u1ea1i s\u1ef1 linh ho\u1ea1t v\u00e0 ti\u1ec1m n\u0103ng l\u1ee3i nhu\u1eadn cao h\u01a1n.<\/p>\n<p><em><strong>Xem th\u00eam th\u00f4ng tin:<\/strong><\/em><\/p>\n<ul>\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<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<\/ul>\n<figure id=\"attachment_4965\" aria-describedby=\"caption-attachment-4965\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4965\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/bao-hiem-lien-ket-don-vi-la-gi.jpg\" alt=\"B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb l\u00e0 g\u00ec?\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/bao-hiem-lien-ket-don-vi-la-gi.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/bao-hiem-lien-ket-don-vi-la-gi-300x200.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/bao-hiem-lien-ket-don-vi-la-gi-150x100.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4965\" class=\"wp-caption-text\">B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb l\u00e0 g\u00ec?<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Dieu_kien_tao_san_pham_lien_ket_don_vi\"><\/span><strong>\u0110i\u1ec1u ki\u1ec7n t\u1ea1o s\u1ea3n ph\u1ea9m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">\u0110\u1ec3 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u00e1p \u1ee9ng c\u00e1c \u0111i\u1ec1u ki\u1ec7n nghi\u00eam ng\u1eb7t theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt Vi\u1ec7t Nam, c\u1ee5 th\u1ec3 l\u00e0 Th\u00f4ng t\u01b0 52\/2016\/TT-BTC:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>N\u0103ng l\u1ef1c t\u00e0i ch\u00ednh:<\/strong> C\u00f4ng ty ph\u1ea3i c\u00f3 v\u1ed1n \u0111i\u1ec1u l\u1ec7 t\u1ed1i thi\u1ec3u 1.000 t\u1ef7 VN\u0110 v\u00e0 qu\u1ef9 d\u1ef1 ph\u00f2ng \u0111\u1ee7 m\u1ea1nh \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng chi tr\u1ea3.<\/li>\n<li aria-level=\"1\"><strong>Qu\u1ea3n l\u00fd qu\u1ef9 \u0111\u1ea7u t\u01b0: <\/strong>C\u00f4ng ty c\u1ea7n th\u00e0nh l\u1eadp c\u00e1c qu\u1ef9 li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb ri\u00eang bi\u1ec7t, \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd chuy\u00ean nghi\u1ec7p b\u1edfi \u0111\u1ed9i ng\u0169 chuy\u00ean gia t\u00e0i ch\u00ednh, c\u00f4ng khai m\u1ee9c sinh l\u1eddi v\u00e0 r\u1ee7i ro.<\/li>\n<li aria-level=\"1\"><strong>Minh b\u1ea1ch th\u00f4ng tin:<\/strong> C\u00f4ng ty ph\u1ea3i cung c\u1ea5p b\u00e1o c\u00e1o \u0111\u1ecbnh k\u1ef3 v\u1ec1 hi\u1ec7u qu\u1ea3 \u0111\u1ea7u t\u01b0 c\u1ee7a qu\u1ef9, gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb l\u00e0 g\u00ec v\u00e0 gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng.<\/li>\n<li aria-level=\"1\"><strong>Tu\u00e2n th\u1ee7 ph\u00e1p lu\u1eadt:<\/strong> S\u1ea3n ph\u1ea9m ph\u1ea3i \u0111\u01b0\u1ee3c B\u1ed9 T\u00e0i ch\u00ednh ph\u00ea duy\u1ec7t tr\u01b0\u1edbc khi \u0111\u01b0a ra th\u1ecb tr\u01b0\u1eddng, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho ng\u01b0\u1eddi tham gia.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Quyen_loi_bao_hiem_lien_ket_don_vi\"><\/span><strong>Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb (Unit-Linked Insurance) l\u00e0 m\u1ed9t lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd k\u1ebft h\u1ee3p gi\u1eefa b\u1ea3o v\u1ec7 r\u1ee7i ro v\u00e0 \u0111\u1ea7u t\u01b0 t\u00e0i ch\u00ednh. D\u01b0\u1edbi \u0111\u00e2y l\u00e0\u00a0 c\u00e1c quy\u1ec1n l\u1ee3i ch\u00ednh m\u00e0 lo\u1ea1i h\u00ecnh n\u00e0y mang l\u1ea1i:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>B\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh:<\/strong> Khi ng\u01b0\u1eddi tham gia g\u1eb7p c\u00e1c s\u1ef1 ki\u1ec7n nh\u01b0 t\u1eed vong, th\u01b0\u01a1ng t\u1eadt to\u00e0n b\u1ed9 v\u0129nh vi\u1ec5n ho\u1eb7c b\u1ec7nh hi\u1ec3m ngh\u00e8o (t\u00f9y s\u1ea3n ph\u1ea9m), c\u00f4ng ty b\u1ea3o hi\u1ec3m chi tr\u1ea3 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m theo th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng.<\/li>\n<li aria-level=\"1\"><strong>T\u1ef1 do l\u1ef1a ch\u1ecdn qu\u1ef9 \u0111\u1ea7u t\u01b0:<\/strong> Ng\u01b0\u1eddi tham gia \u0111\u01b0\u1ee3c quy\u1ec1n ch\u1ecdn c\u00e1c qu\u1ef9 li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb (v\u00ed d\u1ee5: qu\u1ef9 c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, c\u00e2n b\u1eb1ng) do c\u00f4ng ty b\u1ea3o hi\u1ec3m qu\u1ea3n l\u00fd, d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro v\u00e0 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh.<\/li>\n<li aria-level=\"1\"><strong>Linh ho\u1ea1t \u0111i\u1ec1u ch\u1ec9nh:<\/strong> Ng\u01b0\u1eddi tham gia c\u00f3 th\u1ec3 ho\u00e1n \u0111\u1ed5i qu\u1ef9, \u0111\u1ea7u t\u01b0 th\u00eam ho\u1eb7c r\u00fat ti\u1ec1n t\u1eeb t\u00e0i kho\u1ea3n \u0111\u1ea7u t\u01b0 (an to\u00e0n, c\u00e2n b\u1eb1ng, t\u0103ng tr\u01b0\u1edfng) \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi kh\u1ea3 n\u0103ng ch\u1ecbu r\u1ee7i ro.<\/li>\n<li aria-level=\"1\"><strong>Quy\u1ec1n l\u1ee3i \u0111\u00e1o h\u1ea1n:<\/strong> Khi h\u1ee3p \u0111\u1ed3ng k\u1ebft th\u00fac, ng\u01b0\u1eddi tham gia nh\u1eadn to\u00e0n b\u1ed9 gi\u00e1 tr\u1ecb t\u00e0i kho\u1ea3n qu\u1ef9, bao g\u1ed3m ph\u00ed \u0111\u00e3 \u0111\u1ea7u t\u01b0 v\u00e0 l\u1ee3i nhu\u1eadn t\u00edch l\u0169y.<\/li>\n<\/ul>\n<figure id=\"attachment_4966\" aria-describedby=\"caption-attachment-4966\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4966\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-bao-hiem-lien-ket-don-vi.jpg\" alt=\"Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb\" width=\"600\" height=\"340\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-bao-hiem-lien-ket-don-vi.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-bao-hiem-lien-ket-don-vi-300x170.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-bao-hiem-lien-ket-don-vi-150x85.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4966\" class=\"wp-caption-text\">Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb<\/figcaption><\/figure>\n<p><em><strong>B\u1ea1n c\u00f3 th\u1ec3 quan t\u00e2m:<\/strong><\/em><\/p>\n<ul>\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<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/nguoi-duoc-bao-hiem\" target=\"_blank\" rel=\"noopener\">Kh\u00e1i ni\u1ec7m, quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/a><\/strong><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Phan_biet_bao_hiem_lien_ket_chung_va_bao_hiem_lien_ket_don_vi\"><\/span><strong>Ph\u00e2n bi\u1ec7t b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft chung v\u00e0 b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft chung v\u00e0 <em>b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb<\/em> \u0111\u1ec1u l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd k\u1ebft h\u1ee3p \u0111\u1ea7u t\u01b0, nh\u01b0ng c\u00f3 s\u1ef1 kh\u00e1c bi\u1ec7t r\u00f5 r\u00e0ng:<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Ti\u00eau ch\u00ed<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft chung<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>Kh\u00e1i ni\u1ec7m<\/strong><\/td>\n<td>L\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ebft h\u1ee3p y\u1ebfu t\u1ed1 \u0111\u1ea7u t\u01b0, nh\u01b0ng l\u00e3i su\u1ea5t \u0111\u01b0\u1ee3c cam k\u1ebft \u1edf m\u1ee9c t\u1ed1i thi\u1ec3u.<\/td>\n<td>L\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd k\u1ebft h\u1ee3p \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c qu\u1ef9 li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb, kh\u00f4ng c\u00f3 l\u00e3i su\u1ea5t cam k\u1ebft.<\/td>\n<\/tr>\n<tr>\n<td><strong>M\u1ee9c \u0111\u1ed9 r\u1ee7i ro<\/strong><\/td>\n<td>R\u1ee7i ro th\u1ea5p, do c\u00f3 l\u00e3i su\u1ea5t t\u1ed1i thi\u1ec3u \u0111\u1ea3m b\u1ea3o.<\/td>\n<td>R\u1ee7i ro cao h\u01a1n, ph\u1ee5 thu\u1ed9c v\u00e0o bi\u1ebfn \u0111\u1ed9ng th\u1ecb tr\u01b0\u1eddng ch\u1ee9ng kho\u00e1n.<\/td>\n<\/tr>\n<tr>\n<td><strong>L\u00e3i su\u1ea5t<\/strong><\/td>\n<td>C\u00f3 l\u00e3i su\u1ea5t cam k\u1ebft t\u1ed1i thi\u1ec3u v\u00e0 th\u01b0\u1eddng \u1ed5n \u0111\u1ecbnh.<\/td>\n<td>Kh\u00f4ng c\u00f3 l\u00e3i su\u1ea5t cam k\u1ebft, l\u1ee3i nhu\u1eadn ph\u1ee5 thu\u1ed9c v\u00e0o hi\u1ec7u su\u1ea5t qu\u1ef9 \u0111\u1ea7u t\u01b0.<\/td>\n<\/tr>\n<tr>\n<td><strong>C\u1ea5u tr\u00fac \u0111\u1ea7u t\u01b0<\/strong><\/td>\n<td>C\u00f4ng ty b\u1ea3o hi\u1ec3m qu\u1ea3n l\u00fd v\u00e0 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c k\u00eanh an to\u00e0n nh\u01b0 tr\u00e1i phi\u1ebfu, ti\u1ec1n g\u1eedi.<\/td>\n<td>Ng\u01b0\u1eddi tham gia \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn qu\u1ef9 \u0111\u1ea7u t\u01b0, g\u1ed3m c\u1ed5 phi\u1ebfu, tr\u00e1i phi\u1ebfu, ho\u1eb7c qu\u1ef9 h\u1ed7n h\u1ee3p.<\/td>\n<\/tr>\n<tr>\n<td><strong>Kh\u1ea3 n\u0103ng sinh l\u1eddi<\/strong><\/td>\n<td>L\u1ee3i nhu\u1eadn \u1ed5n \u0111\u1ecbnh nh\u01b0ng kh\u00f4ng cao.<\/td>\n<td>L\u1ee3i nhu\u1eadn c\u00f3 th\u1ec3 cao nh\u01b0ng c\u0169ng ti\u1ec1m \u1ea9n r\u1ee7i ro l\u1edbn.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0110\u1ed1i t\u01b0\u1ee3ng ph\u00f9 h\u1ee3p<\/strong><\/td>\n<td>Ng\u01b0\u1eddi mu\u1ed1n b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n v\u1edbi m\u1ee9c r\u1ee7i ro th\u1ea5p.<\/td>\n<td>Ng\u01b0\u1eddi ch\u1ea5p nh\u1eadn r\u1ee7i ro cao h\u01a1n \u0111\u1ec3 t\u00ecm ki\u1ebfm l\u1ee3i nhu\u1eadn t\u1ed1t h\u01a1n.<\/td>\n<\/tr>\n<tr>\n<td><strong>T\u00ednh linh ho\u1ea1t<\/strong><\/td>\n<td>\u00cdt linh ho\u1ea1t h\u01a1n, kh\u00f4ng can thi\u1ec7p v\u00e0o chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0.<\/td>\n<td>Linh ho\u1ea1t cao, c\u00f3 th\u1ec3 thay \u0111\u1ed5i danh m\u1ee5c \u0111\u1ea7u t\u01b0 theo \u00fd mu\u1ed1n.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<figure id=\"attachment_4967\" aria-describedby=\"caption-attachment-4967\" style=\"width: 601px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4967\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/phan-biet-bao-hiem-lien-ket-chung-va-bao-hiem-lien-ket-don-vi.jpg\" alt=\"Ph\u00e2n bi\u1ec7t b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft chung v\u00e0 b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb\" width=\"601\" height=\"400\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/phan-biet-bao-hiem-lien-ket-chung-va-bao-hiem-lien-ket-don-vi.jpg 601w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/phan-biet-bao-hiem-lien-ket-chung-va-bao-hiem-lien-ket-don-vi-300x200.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/phan-biet-bao-hiem-lien-ket-chung-va-bao-hiem-lien-ket-don-vi-150x100.jpg 150w\" sizes=\"auto, (max-width: 601px) 100vw, 601px\" \/><figcaption id=\"caption-attachment-4967\" class=\"wp-caption-text\">Ph\u00e2n bi\u1ec7t b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft chung v\u00e0 b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb<\/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_Bao_hiem_lien_ket_don_vi_co_giong_bao_hiem_truyen_thong_khong\"><\/span><strong>1. B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb c\u00f3 gi\u1ed1ng b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng, n\u00f3 k\u1ebft h\u1ee3p \u0111\u1ea7u t\u01b0 v\u00e0 b\u1ea3o v\u1ec7, trong khi b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng ch\u1ec9 t\u1eadp trung b\u1ea3o v\u1ec7 v\u00e0 t\u00edch l\u0169y c\u1ed1 \u0111\u1ecbnh.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Bao_hiem_lien_ket_don_vi_co_rut_tien_som_duoc_khong\"><\/span><strong>2. B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb c\u00f3 r\u00fat ti\u1ec1n s\u1edbm \u0111\u01b0\u1ee3c kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, b\u1ea1n r\u00fat \u0111\u01b0\u1ee3c m\u1ed9t ph\u1ea7n gi\u00e1 tr\u1ecb qu\u1ef9 sau v\u00e0i n\u0103m (t\u00f9y h\u1ee3p \u0111\u1ed3ng), nh\u01b0ng c\u00f3 th\u1ec3 ch\u1ecbu ph\u00ed r\u00fat.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Ai_nen_tham_gia_bao_hiem_lien_ket_don_vi\"><\/span><strong>3. Ai n\u00ean tham gia b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Ng\u01b0\u1eddi mu\u1ed1n v\u1eeba b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh v\u1eeba \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n, ch\u1ea5p nh\u1eadn r\u1ee7i ro th\u1ecb tr\u01b0\u1eddng.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Bao_hiem_lien_ket_don_vi_co_an_toan_khong\"><\/span><strong>4. B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb c\u00f3 an to\u00e0n kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">An to\u00e0n n\u1ebfu ch\u1ecdn c\u00f4ng ty uy t\u00edn, nh\u01b0ng l\u1ee3i nhu\u1eadn ph\u1ee5 thu\u1ed9c v\u00e0o bi\u1ebfn \u0111\u1ed9ng qu\u1ef9 \u0111\u1ea7u t\u01b0.<\/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;\">Tr\u00ean \u0111\u00e2y l\u00e0 to\u00e0n b\u1ed9 th\u00f4ng tin li\u00ean quan v\u1ec1 \u201c<span style=\"text-decoration: underline;\">B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb<\/span>\u201d m\u00e0 B\u1ea3o hi\u1ec3m Tasco mu\u1ed1n g\u1eedi t\u1edbi b\u1ea1n \u0111\u1ecdc. M\u1ecdi th\u1eafc m\u1eafc li\u00ean quan t\u1edbi b\u00e0i vi\u1ebft vui l\u00f2ng li\u00ean h\u1ec7 theo s\u1ed1 hotline c\u1ee7a B\u1ea3o hi\u1ec3m Tasco ho\u1eb7c nh\u1eafn tin tr\u1ef1c ti\u1ebfp qua website \u0111\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1ed9i ng\u0169 h\u1ed7 tr\u1ee3 gi\u1ea3i \u0111\u00e1p chi ti\u1ebft!<\/p>\n<p><em><strong>T\u00ecm hi\u1ec3u th\u00eam c\u00e1c th\u00f4ng tin b\u1ea3o hi\u1ec3m xe t\u1ea1i:<\/strong><\/em><\/p>\n<ul>\n<li><strong>B\u1ea3o hi\u1ec3m \u00f4 t\u00f4: <a href=\"https:\/\/baohiemtasco.vn\/bao-hiem-xe-co-gioi\" target=\"_blank\" rel=\"noopener\">https:\/\/baohiemtasco.vn\/bao-hiem-xe-co-gioi<\/a><\/strong><\/li>\n<li><strong>B\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c: <a href=\"https:\/\/baohiemtasco.vn\/bao-hiem-bat-buoc-tnds-o-to\" target=\"_blank\" rel=\"noopener\">https:\/\/baohiemtasco.vn\/bao-hiem-bat-buoc-tnds-o-to<\/a><\/strong><\/li>\n<\/ul>\n<p style=\"text-align: justify;\"><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>B\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb l\u00e0 g\u00ec l\u00e0 c\u00e2u h\u1ecfi m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1eb7t ra khi t\u00ecm hi\u1ec3u v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd k\u1ebft h\u1ee3p \u0111\u1ea7u t\u01b0 hi\u1ec7n nay. \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m v\u1eeba b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh v\u1eeba mang l\u1ea1i c\u01a1 h\u1ed9i sinh l\u1eddi, nh\u01b0ng kh\u00f4ng ph\u1ea3i ai c\u0169ng [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4969,"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-4964","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\/4964","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=4964"}],"version-history":[{"count":4,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4964\/revisions"}],"predecessor-version":[{"id":5146,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4964\/revisions\/5146"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/4969"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=4964"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=4964"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=4964"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}