{"id":4995,"date":"2025-05-20T16:37:25","date_gmt":"2025-05-20T09:37:25","guid":{"rendered":"https:\/\/baohiemtasco.vn\/blog\/?p=4995"},"modified":"2025-05-16T15:05:00","modified_gmt":"2025-05-16T08:05:00","slug":"nguoi-thu-huong-la-gi","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/nguoi-thu-huong-la-gi","title":{"rendered":"Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 g\u00ec? T\u00ecm hi\u1ec3u vai tr\u00f2 &#038; quy\u1ec1n l\u1ee3i chi ti\u1ebft c\u1ee7a ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 g\u00ec l\u00e0 c\u00e2u h\u1ecfi m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1eb7t ra khi tham gia b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, \u0111\u1ec3 hi\u1ec3u ai s\u1ebd nh\u1eadn quy\u1ec1n l\u1ee3i 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-thu-huong-la-gi\"><strong>ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 g\u00ec<\/strong><\/a>, quy\u1ec1n l\u1ee3i, tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng chi tr\u1ea3, vi\u1ec7c kh\u00f4ng ch\u1ecdn ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng, s\u1ef1 kh\u00e1c bi\u1ec7t v\u1edbi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m 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-thu-huong-la-gi\/#Nguoi_thu_huong_la_gi\" title=\"Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 g\u00ec?\">Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng 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-thu-huong-la-gi\/#Quyen_loi_cua_nguoi_thu_huong\" title=\"Quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng\">Quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng<\/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\/nguoi-thu-huong-la-gi\/#Truong_hop_nao_nguoi_thu_huong_khong_duoc_chi_tra\" title=\"Tr\u01b0\u1eddng h\u1ee3p n\u00e0o ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3?\">Tr\u01b0\u1eddng h\u1ee3p n\u00e0o ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3?<\/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\/nguoi-thu-huong-la-gi\/#Phan_biet_nguoi_thu_huong_va_nguoi_duoc_bao_hiem\" title=\"Ph\u00e2n bi\u1ec7t ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m\">Ph\u00e2n bi\u1ec7t ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng v\u00e0 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-5\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguoi-thu-huong-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\/nguoi-thu-huong-la-gi\/#1_Nguoi_thu_huong_co_the_thay_doi_khong\" title=\"1. Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng c\u00f3 th\u1ec3 thay \u0111\u1ed5i kh\u00f4ng?\">1. Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng 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-7\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguoi-thu-huong-la-gi\/#2_Nguoi_thu_huong_la_tre_em_thi_sao\" title=\"2. Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 tr\u1ebb em th\u00ec sao?\">2. Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 tr\u1ebb em th\u00ec sao?<\/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\/nguoi-thu-huong-la-gi\/#3_Neu_khong_co_nguoi_thu_huong_trong_hop_dong_thi_sao\" title=\"3. N\u1ebfu kh\u00f4ng c\u00f3 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong h\u1ee3p \u0111\u1ed3ng th\u00ec sao?\">3. N\u1ebfu kh\u00f4ng c\u00f3 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong h\u1ee3p \u0111\u1ed3ng th\u00ec sao?<\/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-thu-huong-la-gi\/#4_Lam_the_nao_de_thay_doi_nguoi_thu_huong_bao_hiem_sau_khi_hop_dong_da_duoc_ky_ket\" title=\"4. L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 thay \u0111\u1ed5i ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng b\u1ea3o hi\u1ec3m sau khi h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft?\">4. L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 thay \u0111\u1ed5i ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng b\u1ea3o hi\u1ec3m sau khi h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft?<\/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-thu-huong-la-gi\/#5_Su_khac_biet_giua_nguoi_thu_huong_chinh_va_nguoi_thu_huong_du_phong_la_gi\" title=\"5. S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ch\u00ednh v\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng d\u1ef1 ph\u00f2ng l\u00e0 g\u00ec?\">5. S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ch\u00ednh v\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng d\u1ef1 ph\u00f2ng l\u00e0 g\u00ec?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/baohiemtasco.vn\/blog\/nguoi-thu-huong-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=\"Nguoi_thu_huong_la_gi\"><\/span><strong>Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 c\u00e1 nh\u00e2n ho\u1eb7c t\u1ed5 ch\u1ee9c \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec3 nh\u1eadn quy\u1ec1n l\u1ee3i t\u00e0i ch\u00ednh khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m, nh\u01b0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m qua \u0111\u1eddi, b\u1ecb th\u01b0\u01a1ng t\u1eadt ho\u1eb7c h\u1ee3p \u0111\u1ed3ng \u0111\u00e1o h\u1ea1n. Trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng th\u01b0\u1eddng l\u00e0 ng\u01b0\u1eddi th\u00e2n (v\u1ee3\/ch\u1ed3ng, con c\u00e1i, cha m\u1eb9) c\u1ee7a ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m. Trong b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd (\u00f4 t\u00f4, t\u00e0i s\u1ea3n), \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 ng\u00e2n h\u00e0ng ho\u1eb7c ch\u1ee7 s\u1edf h\u1eefu t\u00e0i s\u1ea3n. Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 g\u00ec ch\u00ednh l\u00e0 ng\u01b0\u1eddi nh\u1eadn \u201ck\u1ebft qu\u1ea3\u201d c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m khi \u0111i\u1ec1u ki\u1ec7n chi tr\u1ea3 \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng.<\/p>\n<figure id=\"attachment_4996\" aria-describedby=\"caption-attachment-4996\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4996\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/nguoi-thu-huong-la-nguoi-nhu-the-nao-trong-bao-hiem.jpg\" alt=\"Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 ng\u01b0\u1eddi nh\u01b0 th\u1ebf n\u00e0o trong b\u1ea3o hi\u1ec3m?\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/nguoi-thu-huong-la-nguoi-nhu-the-nao-trong-bao-hiem.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/nguoi-thu-huong-la-nguoi-nhu-the-nao-trong-bao-hiem-300x200.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/nguoi-thu-huong-la-nguoi-nhu-the-nao-trong-bao-hiem-150x100.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4996\" class=\"wp-caption-text\">Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 ng\u01b0\u1eddi nh\u01b0 th\u1ebf n\u00e0o trong b\u1ea3o hi\u1ec3m?<\/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\/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<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<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Quyen_loi_cua_nguoi_thu_huong\"><\/span><strong>Quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c l\u1ee3i \u00edch sau khi s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m x\u1ea3y ra bao g\u1ed3m:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Nh\u1eadn ti\u1ec1n b\u1ea3o hi\u1ec3m:<\/strong> Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng \u0111\u01b0\u1ee3c chi tr\u1ea3 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m qua \u0111\u1eddi, th\u01b0\u1eddng l\u00e0 quy\u1ec1n l\u1ee3i t\u1eed tu\u1ea5t trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd.<\/li>\n<li aria-level=\"1\"><strong>H\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh:<\/strong> Kho\u1ea3n ti\u1ec1n n\u00e0y gi\u00fap ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trang tr\u1ea3i chi ph\u00ed sinh ho\u1ea1t, h\u1ecdc h\u00e0nh ho\u1eb7c tr\u1ea3 n\u1ee3 n\u1ebfu ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f2n kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng.<\/li>\n<li aria-level=\"1\"><strong>Quy\u1ec1n l\u1ee3i b\u1ed5 sung:<\/strong> N\u1ebfu h\u1ee3p \u0111\u1ed3ng c\u00f3 \u0111i\u1ec1u kho\u1ea3n \u0111\u1eb7c bi\u1ec7t (b\u1ec7nh hi\u1ec3m ngh\u00e8o, tai n\u1ea1n), ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng c\u00f3 th\u1ec3 nh\u1eadn th\u00eam kho\u1ea3n chi tr\u1ea3 t\u01b0\u01a1ng \u1ee9ng.<\/li>\n<li aria-level=\"1\"><strong>Kh\u00f4ng ch\u1ecbu thu\u1ebf:<\/strong> T\u1ea1i Vi\u1ec7t Nam, quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m m\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng nh\u1eadn \u0111\u01b0\u1ee3c kh\u00f4ng ph\u1ea3i ch\u1ecbu thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n, theo Lu\u1eadt Thu\u1ebf TNCN.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Truong_hop_nao_nguoi_thu_huong_khong_duoc_chi_tra\"><\/span><strong>Tr\u01b0\u1eddng h\u1ee3p n\u00e0o ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">M\u1eb7c d\u00f9 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd mang l\u1ea1i s\u1ef1 an t\u00e2m t\u00e0i ch\u00ednh, nh\u01b0ng kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng c\u0169ng \u0111\u01b0\u1ee3c chi tr\u1ea3 quy\u1ec1n l\u1ee3i. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i chi tr\u1ea3 m\u00e0 b\u1ea1n c\u1ea7n l\u01b0u \u00fd:<\/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 th\u00f4ng tin (b\u1ec7nh c\u00f3 s\u1eb5n, ngh\u1ec1 nghi\u1ec7p nguy hi\u1ec3m), c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n t\u1eeb ch\u1ed1i chi tr\u1ea3 cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng.<\/li>\n<li aria-level=\"1\"><strong>H\u00e0nh vi c\u1ed1 \u00fd:<\/strong> Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n n\u1ebfu ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ef1 t\u1eed (th\u01b0\u1eddng trong 2 n\u0103m \u0111\u1ea7u) ho\u1eb7c c\u1ed1 \u00fd g\u00e2y h\u1ea1i b\u1ea3n th\u00e2n.<\/li>\n<li aria-level=\"1\"><strong>Ph\u1ea1m ph\u00e1p:<\/strong> N\u1ebfu s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m x\u1ea3y ra do ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m tham gia ho\u1ea1t \u0111\u1ed9ng b\u1ea5t h\u1ee3p ph\u00e1p (\u0111ua xe, \u0111\u00e1nh nhau), ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng b\u1ecb m\u1ea5t quy\u1ec1n l\u1ee3i.<\/li>\n<li aria-level=\"1\"><strong>H\u1ee3p \u0111\u1ed3ng m\u1ea5t hi\u1ec7u l\u1ef1c:<\/strong> Khi ph\u00ed b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00f3ng \u0111\u00fang h\u1ea1n v\u00e0 h\u1ebft th\u1eddi gian gia h\u1ea1n, ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3.<\/li>\n<\/ul>\n<figure id=\"attachment_4997\" aria-describedby=\"caption-attachment-4997\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4997\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/truong-hop-nao-nguoi-thu-huong-khong-duoc-chi-tra.jpg\" alt=\"Tr\u01b0\u1eddng h\u1ee3p n\u00e0o ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3?\" width=\"600\" height=\"367\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/truong-hop-nao-nguoi-thu-huong-khong-duoc-chi-tra.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/truong-hop-nao-nguoi-thu-huong-khong-duoc-chi-tra-300x184.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/truong-hop-nao-nguoi-thu-huong-khong-duoc-chi-tra-150x92.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4997\" class=\"wp-caption-text\">Tr\u01b0\u1eddng h\u1ee3p n\u00e0o ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3?<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Phan_biet_nguoi_thu_huong_va_nguoi_duoc_bao_hiem\"><\/span><strong>Ph\u00e2n bi\u1ec7t ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng v\u00e0 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 th\u1ee5 h\u01b0\u1edfng v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 hai vai tr\u00f2 kh\u00e1c nhau, d\u00f9 \u0111\u00f4i khi tr\u00f9ng h\u1ee3p trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 b\u1ea3ng ph\u00e2n bi\u1ec7t chi ti\u1ebft 2 kh\u00e1i ni\u1ec7m n\u00e0y:<\/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>Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0110\u1ecbnh ngh\u0129a<\/strong><\/td>\n<td>Ng\u01b0\u1eddi nh\u1eadn quy\u1ec1n l\u1ee3i khi s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m x\u1ea3y ra.<\/td>\n<td>Ng\u01b0\u1eddi c\u00f3 r\u1ee7i ro \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 (t\u00ednh m\u1ea1ng, s\u1ee9c kh\u1ecfe).<\/td>\n<\/tr>\n<tr>\n<td><strong>Vai tr\u00f2<\/strong><\/td>\n<td>Nh\u1eadn ti\u1ec1n b\u1ea3o hi\u1ec3m<\/td>\n<td>\u0110\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 trong h\u1ee3p \u0111\u1ed3ng<\/td>\n<\/tr>\n<tr>\n<td><strong>V\u00ed d\u1ee5<\/strong><\/td>\n<td>V\u1ee3 nh\u1eadn ti\u1ec1n n\u1ebfu ch\u1ed3ng qua \u0111\u1eddi<\/td>\n<td>Ch\u1ed3ng l\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 t\u00ednh m\u1ea1ng<\/td>\n<\/tr>\n<tr>\n<td><strong>Quy\u1ec1n l\u1ee3i<\/strong><\/td>\n<td>Ch\u1ec9 nh\u1eadn ti\u1ec1n khi s\u1ef1 ki\u1ec7n x\u1ea3y ra<\/td>\n<td>\u0110\u01b0\u1ee3c b\u1ea3o v\u1ec7 trong su\u1ed1t th\u1eddi gian h\u1ee3p \u0111\u1ed3ng<\/td>\n<\/tr>\n<tr>\n<td><strong>Tr\u00f9ng nhau<\/strong><\/td>\n<td>C\u00f3 th\u1ec3 l\u00e0 ch\u00ednh h\u1ecd n\u1ebfu c\u00f2n s\u1ed1ng (\u0111\u00e1o h\u1ea1n)<\/td>\n<td>Kh\u00f4ng nh\u1ea5t thi\u1ebft nh\u1eadn ti\u1ec1n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<figure id=\"attachment_4998\" aria-describedby=\"caption-attachment-4998\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4998\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/phan-biet-nguoi-thu-huong-va-nguoi-duoc-bao-hiem.jpg\" alt=\"Ph\u00e2n bi\u1ec7t ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m\" width=\"600\" height=\"319\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/phan-biet-nguoi-thu-huong-va-nguoi-duoc-bao-hiem.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/phan-biet-nguoi-thu-huong-va-nguoi-duoc-bao-hiem-300x160.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/phan-biet-nguoi-thu-huong-va-nguoi-duoc-bao-hiem-150x80.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-4998\" class=\"wp-caption-text\">Ph\u00e2n bi\u1ec7t ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/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\/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<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/thoi-han-bao-hiem\" target=\"_blank\" rel=\"noopener\">Chi ti\u1ebft v\u00e0 quy \u0111\u1ecbnh m\u1edbi nh\u1ea5t 2026 v\u1ec1 th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m<\/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_thu_huong_co_the_thay_doi_khong\"><\/span><strong>1. Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng 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, ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 thay \u0111\u1ed5i ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng b\u1ea5t k\u1ef3 l\u00fac n\u00e0o trong th\u1eddi gian h\u1ee3p \u0111\u1ed3ng c\u00f2n hi\u1ec7u l\u1ef1c, v\u1edbi s\u1ef1 \u0111\u1ed3ng \u00fd c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Nguoi_thu_huong_la_tre_em_thi_sao\"><\/span><strong>2. Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 tr\u1ebb em th\u00ec sao?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">N\u1ebfu d\u01b0\u1edbi 18 tu\u1ed5i, ti\u1ec1n b\u1ea3o hi\u1ec3m s\u1ebd do ng\u01b0\u1eddi gi\u00e1m h\u1ed9 h\u1ee3p ph\u00e1p qu\u1ea3n l\u00fd cho \u0111\u1ebfn khi tr\u01b0\u1edfng th\u00e0nh.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_Neu_khong_co_nguoi_thu_huong_trong_hop_dong_thi_sao\"><\/span><strong>3. N\u1ebfu kh\u00f4ng c\u00f3 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong h\u1ee3p \u0111\u1ed3ng th\u00ec sao?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">N\u1ebfu kh\u00f4ng ch\u1ec9 \u0111\u1ecbnh, quy\u1ec1n l\u1ee3i s\u1ebd v\u00e0o t\u00e0i s\u1ea3n th\u1eeba k\u1ebf v\u00e0 chia theo ph\u00e1p lu\u1eadt ho\u1eb7c di ch\u00fac.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_Lam_the_nao_de_thay_doi_nguoi_thu_huong_bao_hiem_sau_khi_hop_dong_da_duoc_ky_ket\"><\/span><strong>4. L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 thay \u0111\u1ed5i ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng b\u1ea3o hi\u1ec3m sau khi h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">\u0110\u1ec3 thay \u0111\u1ed5i, kh\u00e1ch h\u00e0ng c\u1ea7n li\u00ean h\u1ec7 c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111i\u1ec1n bi\u1ec3u m\u1eabu thay \u0111\u1ed5i, n\u1ed9p k\u00e8m gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft (n\u1ebfu c\u00f3), ch\u1edd x\u00e1c nh\u1eadn.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_Su_khac_biet_giua_nguoi_thu_huong_chinh_va_nguoi_thu_huong_du_phong_la_gi\"><\/span><strong>5. S\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ch\u00ednh v\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng d\u1ef1 ph\u00f2ng l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ch\u00ednh nh\u1eadn quy\u1ec1n l\u1ee3i tr\u01b0\u1edbc, \u01b0u ti\u00ean cao nh\u1ea5t. Ng\u01b0\u1eddi d\u1ef1 ph\u00f2ng nh\u1eadn n\u1ebfu ng\u01b0\u1eddi ch\u00ednh kh\u00f4ng th\u1ec3 nh\u1eadn (qua \u0111\u1eddi, t\u1eeb ch\u1ed1i).<\/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;\">B\u00e0i vi\u1ebft l\u00e0 to\u00e0n b\u1ed9 th\u00f4ng tin li\u00ean quan \u0111\u1ebfn <span style=\"text-decoration: underline;\">ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng<\/span> trong b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea3o hi\u1ec3m Tasco t\u1ed5ng h\u1ee3p. Vi\u1ec7c hi\u1ec3u r\u00f5 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 g\u00ec s\u1ebd gi\u00fap b\u1ea1n ch\u1ee7 \u0111\u1ed9ng l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh v\u00e0 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i cho gia \u0111\u00ecnh. M\u1ecdi th\u1eafc m\u1eafc li\u00ean quan \u0111\u1ebfn <a href=\"https:\/\/baohiemtasco.vn\/bao-hiem-xe-co-gioi\" target=\"_blank\" rel=\"noopener\"><strong>b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4<\/strong><\/a>, vui l\u00f2ng \u0111\u1ec3 l\u1ea1i c\u00e2u h\u1ecfi d\u01b0\u1edbi b\u00e0i vi\u1ebft ho\u1eb7c li\u00ean h\u1ec7 t\u1edbi s\u1ed1 hotline \u0111\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1ed9i ng\u0169 B\u1ea3o hi\u1ec3m Tasco h\u1ed7 tr\u1ee3 gi\u1ea3i \u0111\u00e1p nh\u00e9!<\/p>\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>Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 g\u00ec l\u00e0 c\u00e2u h\u1ecfi m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi \u0111\u1eb7t ra khi tham gia b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, \u0111\u1ec3 hi\u1ec3u ai s\u1ebd nh\u1eadn quy\u1ec1n l\u1ee3i 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 th\u1ee5 h\u01b0\u1edfng l\u00e0 g\u00ec, quy\u1ec1n l\u1ee3i, tr\u01b0\u1eddng h\u1ee3p [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":4999,"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-4995","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\/4995","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=4995"}],"version-history":[{"count":4,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4995\/revisions"}],"predecessor-version":[{"id":5154,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/4995\/revisions\/5154"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/4999"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=4995"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=4995"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=4995"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}