{"id":4987,"date":"2025-05-20T16:42:24","date_gmt":"2025-05-20T09:42:24","guid":{"rendered":"https:\/\/baohiemtasco.vn\/blog\/?p=4987"},"modified":"2025-05-26T11:07:15","modified_gmt":"2025-05-26T04:07:15","slug":"nguoi-duoc-bao-hiem","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/nguoi-duoc-bao-hiem","title":{"rendered":"Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? C\u00f3 nh\u1ea5t thi\u1ebft ph\u1ea3i l\u00e0 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m hay kh\u00f4ng?"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 kh\u00e1i ni\u1ec7m c\u1ed1t l\u00f5i trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, nh\u01b0ng kh\u00f4ng ph\u1ea3i ai c\u0169ng hi\u1ec3u r\u00f5 vai tr\u00f2 v\u00e0 quy\u1ec1n l\u1ee3i c\u1ee7a h\u1ecd. \u0110\u00e2y l\u00e0 nh\u00e2n v\u1eadt trung t\u00e2m quy\u1ebft \u0111\u1ecbnh s\u1ef1 chi tr\u1ea3 khi c\u00f3 s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m x\u1ea3y ra. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u1ea3i th\u00edch <a href=\"https:\/\/baohiemtasco.vn\/blog\/nguoi-duoc-bao-hiem\"><strong>ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/strong><\/a> l\u00e0 ai, quy\u1ec1n l\u1ee3i, ngh\u0129a v\u1ee5, m\u1ed1i quan h\u1ec7 v\u1edbi ng\u01b0\u1eddi mua v\u00e0 th\u1ee5 h\u01b0\u1edfng, tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng chi tr\u1ea3, l\u01b0u \u00fd quan tr\u1ecdng 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\/nguoi-duoc-bao-hiem\/#Nguoi_duoc_bao_hiem_la_gi\" title=\"Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?\">Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c 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\/nguoi-duoc-bao-hiem\/#Quyen_loi_va_nghia_vu_cua_nguoi_duoc_bao_hiem\" title=\"Quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m\">Quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c 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\/nguoi-duoc-bao-hiem\/#Quyen_loi\" title=\"Quy\u1ec1n l\u1ee3i\">Quy\u1ec1n l\u1ee3i<\/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\/nguoi-duoc-bao-hiem\/#Nghia_vu\" title=\"Ngh\u0129a v\u1ee5\">Ngh\u0129a v\u1ee5<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguoi-duoc-bao-hiem\/#Cac_truong_hop_nguoi_duoc_bao_hiem_khong_duoc_chi_tra_quyen_loi\" title=\"C\u00e1c tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 quy\u1ec1n l\u1ee3i\">C\u00e1c tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 quy\u1ec1n l\u1ee3i<\/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\/nguoi-duoc-bao-hiem\/#Mot_so_luu_y_ve_nguoi_duoc_bao_hiem\" title=\"M\u1ed9t s\u1ed1 l\u01b0u \u00fd v\u1ec1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m\">M\u1ed9t s\u1ed1 l\u01b0u \u00fd v\u1ec1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c 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-7\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguoi-duoc-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-8\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguoi-duoc-bao-hiem\/#1_Nguoi_duoc_bao_hiem_co_the_thay_doi_khong\" title=\"1. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 thay \u0111\u1ed5i kh\u00f4ng?\">1. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 thay \u0111\u1ed5i 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\/nguoi-duoc-bao-hiem\/#2_Nguoi_duoc_bao_hiem_khong_dong_phi_co_sao_khong\" title=\"2. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u00f3ng ph\u00ed c\u00f3 sao kh\u00f4ng?\">2. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u00f3ng ph\u00ed c\u00f3 sao kh\u00f4ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguoi-duoc-bao-hiem\/#3_Nguoi_duoc_bao_hiem_qua_doi_thi_ai_nhan_tien\" title=\"3. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m qua \u0111\u1eddi th\u00ec ai nh\u1eadn ti\u1ec1n?\">3. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m qua \u0111\u1eddi th\u00ec ai nh\u1eadn ti\u1ec1n?<\/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\/nguoi-duoc-bao-hiem\/#4_Nguoi_duoc_bao_hiem_co_quyen_huy_hop_dong_khong\" title=\"4. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n h\u1ee7y h\u1ee3p \u0111\u1ed3ng kh\u00f4ng?\">4. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n h\u1ee7y h\u1ee3p \u0111\u1ed3ng 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\/nguoi-duoc-bao-hiem\/#5_Nguoi_duoc_bao_hiem_co_can_ky_hop_dong_khong\" title=\"5. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 c\u1ea7n k\u00fd h\u1ee3p \u0111\u1ed3ng kh\u00f4ng?\">5. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 c\u1ea7n k\u00fd 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-13\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguoi-duoc-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=\"Nguoi_duoc_bao_hiem_la_gi\"><\/span><strong>Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 c\u00e1 nh\u00e2n ho\u1eb7c t\u1ed5 ch\u1ee9c m\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ea3o v\u1ec7, t\u1ee9c l\u00e0 ng\u01b0\u1eddi c\u00f3 r\u1ee7i ro (t\u1eed vong, tai n\u1ea1n, b\u1ec7nh t\u1eadt) \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3 khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m. Trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m th\u01b0\u1eddng l\u00e0 ng\u01b0\u1eddi c\u00f3 t\u00ednh m\u1ea1ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 (v\u00ed d\u1ee5: b\u1ea1n mua b\u1ea3o hi\u1ec3m cho ch\u00ednh m\u00ecnh). Trong b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd, \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n (xe h\u01a1i, nh\u00e0 c\u1eeda). Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 \u201cnh\u00e2n v\u1eadt ch\u00ednh\u201d m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m cam k\u1ebft b\u1ea3o v\u1ec7 theo \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng.<\/p>\n<figure id=\"attachment_4988\" aria-describedby=\"caption-attachment-4988\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4988\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/nguoi-duoc-bao-hiem-la-gi.jpg\" alt=\"Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?\" width=\"600\" height=\"410\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/nguoi-duoc-bao-hiem-la-gi.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/nguoi-duoc-bao-hiem-la-gi-300x205.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/nguoi-duoc-bao-hiem-la-gi-150x103.jpg 150w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/nguoi-duoc-bao-hiem-la-gi-218x150.jpg 218w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4988\" class=\"wp-caption-text\">Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/figcaption><\/figure>\n<p><em><strong>Tham kh\u1ea3o th\u00eam th\u00f4ng tin:<\/strong><\/em><\/p>\n<ul>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/nguoi-thu-huong-la-gi\" target=\"_blank\" rel=\"noopener\">Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 g\u00ec? T\u00ecm hi\u1ec3u vai tr\u00f2 &amp; quy\u1ec1n l\u1ee3i chi tr\u1ea3<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/thoi-gian-cho-trong-bao-hiem-la-gi\" target=\"_blank\" rel=\"noopener\">Th\u1eddi gian ch\u1edd trong b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? L\u01b0u \u00fd quan tr\u1ecdng<\/a><\/strong><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Quyen_loi_va_nghia_vu_cua_nguoi_duoc_bao_hiem\"><\/span><strong>Quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 c\u1ea3 quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o h\u1ee3p \u0111\u1ed3ng v\u1eadn h\u00e0nh hi\u1ec7u qu\u1ea3:<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Quyen_loi\"><\/span><strong>Quy\u1ec1n l\u1ee3i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\">Nh\u1eadn b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh khi x\u1ea3y ra r\u1ee7i ro (t\u1eed vong, th\u01b0\u01a1ng t\u1eadt, b\u1ec7nh t\u1eadt) theo s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00e3 th\u1ecfa thu\u1eadn.<\/li>\n<li aria-level=\"1\">\u0110\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i b\u1ed5 sung (n\u1ebfu c\u00f3) nh\u01b0 chi tr\u1ea3 b\u1ec7nh hi\u1ec3m ngh\u00e8o, tai n\u1ea1n.<\/li>\n<li aria-level=\"1\">C\u00f3 th\u1ec3 y\u00eau c\u1ea7u xem x\u00e9t ho\u1eb7c khi\u1ebfu n\u1ea1i n\u1ebfu quy\u1ec1n l\u1ee3i kh\u00f4ng \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u00fang.<\/li>\n<\/ul>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Nghia_vu\"><\/span><strong>Ngh\u0129a v\u1ee5<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\">Khai b\u00e1o trung th\u1ef1c v\u1ec1 s\u1ee9c kh\u1ecfe, t\u00e0i s\u1ea3n ho\u1eb7c r\u1ee7i ro li\u00ean quan khi k\u00fd h\u1ee3p \u0111\u1ed3ng.<\/li>\n<li aria-level=\"1\">Th\u00f4ng b\u00e1o k\u1ecbp th\u1eddi cho c\u00f4ng ty b\u1ea3o hi\u1ec3m khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/li>\n<li aria-level=\"1\">Tu\u00e2n th\u1ee7 c\u00e1c \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 tr\u00e1nh m\u1ea5t quy\u1ec1n l\u1ee3i.<\/li>\n<li aria-level=\"1\">Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u1eeba l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng th\u1ee5 h\u01b0\u1edfng b\u1ea3o v\u1ec7, v\u1eeba ph\u1ea3i h\u1ee3p t\u00e1c \u0111\u1ec3 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng.<\/li>\n<\/ul>\n<figure id=\"attachment_4989\" aria-describedby=\"caption-attachment-4989\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4989\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-va-nghia-vu-cua-nguoi-duoc-bao-hiem.jpg\" alt=\"Quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-va-nghia-vu-cua-nguoi-duoc-bao-hiem.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-va-nghia-vu-cua-nguoi-duoc-bao-hiem-300x200.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/quyen-loi-va-nghia-vu-cua-nguoi-duoc-bao-hiem-150x100.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4989\" class=\"wp-caption-text\">Quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Cac_truong_hop_nguoi_duoc_bao_hiem_khong_duoc_chi_tra_quyen_loi\"><\/span><strong>C\u00e1c tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 quy\u1ec1n l\u1ee3i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 b\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 quy\u1ec1n l\u1ee3i trong c\u00e1c t\u00ecnh hu\u1ed1ng sau:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Khai b\u00e1o gian d\u1ed1i:<\/strong> N\u1ebfu ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m che gi\u1ea5u b\u1ec7nh c\u00f3 s\u1eb5n (tim m\u1ea1ch, ung th\u01b0) khi k\u00fd h\u1ee3p \u0111\u1ed3ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n t\u1eeb ch\u1ed1i chi tr\u1ea3.<\/li>\n<li aria-level=\"1\"><strong>H\u00e0nh vi c\u1ed1 \u00fd:<\/strong> T\u1ef1 t\u1eed (th\u01b0\u1eddng trong 2 n\u0103m \u0111\u1ea7u), t\u1ef1 g\u00e2y th\u01b0\u01a1ng t\u00edch ho\u1eb7c tham gia ho\u1ea1t \u0111\u1ed9ng ph\u1ea1m ph\u00e1p (\u0111ua xe, \u0111\u00e1nh nhau) khi\u1ebfn quy\u1ec1n l\u1ee3i b\u1ecb h\u1ee7y.<\/li>\n<li aria-level=\"1\"><strong>S\u1ef1 ki\u1ec7n ngo\u00e0i ph\u1ea1m vi:<\/strong> R\u1ee7i ro kh\u00f4ng n\u1eb1m trong h\u1ee3p \u0111\u1ed3ng (nh\u01b0 thi\u00ean tai v\u1edbi b\u1ea3o hi\u1ec3m kh\u00f4ng bao g\u1ed3m) kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3.<\/li>\n<li aria-level=\"1\"><strong>H\u1ee3p \u0111\u1ed3ng m\u1ea5t hi\u1ec7u l\u1ef1c:<\/strong> N\u1ebfu ph\u00ed kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f3ng \u0111\u00fang h\u1ea1n v\u00e0 h\u1ebft th\u1eddi gian gia h\u1ea1n, ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m m\u1ea5t quy\u1ec1n l\u1ee3i.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0y nh\u1ea5n m\u1ea1nh t\u1ea7m quan tr\u1ecdng c\u1ee7a s\u1ef1 trung th\u1ef1c v\u00e0 tu\u00e2n th\u1ee7 t\u1eeb ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n<figure id=\"attachment_4990\" aria-describedby=\"caption-attachment-4990\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4990\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/cac-truong-hop-nguoi-duoc-bao-hiem-khong-duoc-chi-tra-quyen-loi.jpg\" alt=\"C\u00e1c tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 quy\u1ec1n l\u1ee3i\" width=\"600\" height=\"433\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/cac-truong-hop-nguoi-duoc-bao-hiem-khong-duoc-chi-tra-quyen-loi.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/cac-truong-hop-nguoi-duoc-bao-hiem-khong-duoc-chi-tra-quyen-loi-300x217.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/cac-truong-hop-nguoi-duoc-bao-hiem-khong-duoc-chi-tra-quyen-loi-150x108.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4990\" class=\"wp-caption-text\">C\u00e1c tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 quy\u1ec1n l\u1ee3i<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Mot_so_luu_y_ve_nguoi_duoc_bao_hiem\"><\/span><strong>M\u1ed9t s\u1ed1 l\u01b0u \u00fd v\u1ec1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">\u0110\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i, <em>ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/em> c\u1ea7n ch\u00fa \u00fd c\u00e1c \u0111i\u1ec3m sau:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Khai b\u00e1o ch\u00ednh x\u00e1c:<\/strong> B\u1ea1n n\u00ean cung c\u1ea5p \u0111\u1ea7y \u0111\u1ee7 th\u00f4ng tin s\u1ee9c kh\u1ecfe, ngh\u1ec1 nghi\u1ec7p khi tham gia \u0111\u1ec3 tr\u00e1nh tranh ch\u1ea5p sau n\u00e0y.<\/li>\n<li aria-level=\"1\"><strong>Theo d\u00f5i h\u1ee3p \u0111\u1ed3ng:<\/strong> B\u1ea1n c\u1ea7n ki\u1ec3m tra t\u00ecnh tr\u1ea1ng h\u1ee3p \u0111\u1ed3ng (\u0111\u00f3ng ph\u00ed, hi\u1ec7u l\u1ef1c) \u0111\u1ecbnh k\u1ef3, d\u00f9 kh\u00f4ng ph\u1ea3i ng\u01b0\u1eddi mua.<\/li>\n<li aria-level=\"1\"><strong>Hi\u1ec3u quy\u1ec1n l\u1ee3i:<\/strong> B\u1ea1n n\u00ean \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 bi\u1ebft m\u00ecnh \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 trong tr\u01b0\u1eddng h\u1ee3p n\u00e0o, tr\u00e1nh nh\u1ea7m l\u1eabn.<\/li>\n<li aria-level=\"1\"><strong>Th\u00f4ng b\u00e1o thay \u0111\u1ed5i:<\/strong> N\u1ebfu c\u00f3 thay \u0111\u1ed5i (s\u1ee9c kh\u1ecfe, ngh\u1ec1 nghi\u1ec7p), b\u1ea1n c\u1ea7n b\u00e1o cho c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 c\u1eadp nh\u1eadt.<\/li>\n<li aria-level=\"1\"><strong>H\u1ee3p t\u00e1c khi c\u1ea7n:<\/strong> Khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m, b\u1ea1n ph\u1ea3i cung c\u1ea5p gi\u1ea5y t\u1edd (gi\u1ea5y ch\u1ee9ng t\u1eed, h\u00f3a \u0111\u01a1n y t\u1ebf) k\u1ecbp th\u1eddi.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u1ea7n ch\u1ee7 \u0111\u1ed9ng \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh m\u1ed9t c\u00e1ch t\u1ed1i \u0111a.<\/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\/huy-hop-dong-bao-hiem\" target=\"_blank\" rel=\"noopener\">H\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u01b0 th\u1ebf n\u00e0o? H\u01b0\u1edbng d\u1eabn chi ti\u1ebft<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/so-tien-bao-hiem-la-gi\" target=\"_blank\" rel=\"noopener\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? Gi\u1ea3i \u0111\u00e1p chi ti\u1ebft cho ng\u01b0\u1eddi m\u1edbi<\/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=\"1_Nguoi_duoc_bao_hiem_co_the_thay_doi_khong\"><\/span><strong>1. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 thay \u0111\u1ed5i kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, nh\u01b0ng c\u1ea7n s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi mua, th\u01b0\u1eddng \u00e1p d\u1ee5ng v\u1edbi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n, \u00edt v\u1edbi nh\u00e2n th\u1ecd.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Nguoi_duoc_bao_hiem_khong_dong_phi_co_sao_khong\"><\/span><strong>2. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u00f3ng ph\u00ed c\u00f3 sao kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng sao, n\u1ebfu ng\u01b0\u1eddi mua ch\u1ecbu tr\u00e1ch nhi\u1ec7m \u0111\u00f3ng ph\u00ed; quy\u1ec1n l\u1ee3i v\u1eabn \u0111\u01b0\u1ee3c duy tr\u00ec n\u1ebfu h\u1ee3p \u0111\u1ed3ng c\u00f2n hi\u1ec7u l\u1ef1c.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Nguoi_duoc_bao_hiem_qua_doi_thi_ai_nhan_tien\"><\/span><strong>3. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m qua \u0111\u1eddi th\u00ec ai nh\u1eadn ti\u1ec1n?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng (do ng\u01b0\u1eddi mua ch\u1ec9 \u0111\u1ecbnh) s\u1ebd nh\u1eadn quy\u1ec1n l\u1ee3i, kh\u00f4ng ph\u1ea3i gia \u0111\u00ecnh ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Nguoi_duoc_bao_hiem_co_quyen_huy_hop_dong_khong\"><\/span><strong>4. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n h\u1ee7y h\u1ee3p \u0111\u1ed3ng kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng tr\u1ef1c ti\u1ebfp, ch\u1ec9 ng\u01b0\u1eddi mua m\u1edbi c\u00f3 quy\u1ec1n h\u1ee7y, tr\u1eeb khi hai vai tr\u00f2 tr\u00f9ng nhau.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Nguoi_duoc_bao_hiem_co_can_ky_hop_dong_khong\"><\/span><strong>5. Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 c\u1ea7n k\u00fd h\u1ee3p \u0111\u1ed3ng kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng b\u1eaft bu\u1ed9c, mi\u1ec5n l\u00e0 ng\u01b0\u1eddi mua cung c\u1ea5p th\u00f4ng tin ch\u00ednh x\u00e1c v\u00e0 \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ed3ng \u00fd (n\u1ebfu c\u1ea7n).<\/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;\"><span style=\"text-decoration: underline;\">Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/span> l\u00e0 trung t\u00e2m c\u1ee7a m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, quy\u1ebft \u0111\u1ecbnh quy\u1ec1n l\u1ee3i v\u00e0 tr\u00e1ch nhi\u1ec7m khi tham gia. Hy v\u1ecdng qua nh\u1eefng th\u00f4ng tin \u0111\u01b0\u1ee3c <strong><a href=\"https:\/\/baohiemtasco.vn\" target=\"_blank\" rel=\"noopener\">B\u1ea3o hi\u1ec3m Tasco<\/a><\/strong> cung c\u1ea5p tr\u00ean \u0111\u00e2y \u0111\u00e3 gi\u00fap b\u1ea1n \u0111\u1ecdc c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng th\u00f4ng tin h\u1eefu \u00edch li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m n\u00f3i chung v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c nh\u1eadn b\u1ea3o hi\u1ec3m n\u00f3i ri\u00eang. N\u1ebfu b\u1ea1n c\u00f3 b\u0103n kho\u0103n hay c\u1ea7n t\u01b0 v\u1ea5n v\u1ec1 d\u1ecbch v\u1ee5 <strong><a href=\"https:\/\/baohiemtasco.vn\/bao-hiem-xe-co-gioi\" target=\"_blank\" rel=\"noopener\">b\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/a><\/strong>, \u0111\u1eebng ng\u1ea7n ng\u1ea1i \u0111\u1ec3 l\u1ea1i c\u00e2u h\u1ecfi d\u01b0\u1edbi b\u00e0i vi\u1ebft \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 gi\u1ea3i \u0111\u00e1p ngay nh\u00e9!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 kh\u00e1i ni\u1ec7m c\u1ed1t l\u00f5i trong m\u1ecdi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, nh\u01b0ng kh\u00f4ng ph\u1ea3i ai c\u0169ng hi\u1ec3u r\u00f5 vai tr\u00f2 v\u00e0 quy\u1ec1n l\u1ee3i c\u1ee7a h\u1ecd. \u0110\u00e2y l\u00e0 nh\u00e2n v\u1eadt trung t\u00e2m quy\u1ebft \u0111\u1ecbnh s\u1ef1 chi tr\u1ea3 khi c\u00f3 s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m x\u1ea3y ra. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u1ea3i th\u00edch ng\u01b0\u1eddi [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5284,"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-4987","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\/4987","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=4987"}],"version-history":[{"count":4,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4987\/revisions"}],"predecessor-version":[{"id":5152,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4987\/revisions\/5152"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/5284"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=4987"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=4987"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=4987"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}