{"id":5017,"date":"2025-05-20T16:35:00","date_gmt":"2025-05-20T09:35:00","guid":{"rendered":"https:\/\/baohiemtasco.vn\/blog\/?p=5017"},"modified":"2025-05-16T15:33:27","modified_gmt":"2025-05-16T08:33:27","slug":"so-tien-bao-hiem-la-gi","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/so-tien-bao-hiem-la-gi","title":{"rendered":"S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u1ec1 c\u1eadp \u0111\u1ebfn s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng?"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m 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 b\u1ea3o hi\u1ec3m, t\u1eeb nh\u00e2n th\u1ecd \u0111\u1ebfn phi nh\u00e2n th\u1ecd, \u0111\u1ec3 n\u1eafm r\u00f5 quy\u1ec1n l\u1ee3i t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. \u0110\u00e2y l\u00e0 y\u1ebfu t\u1ed1 c\u1ed1t l\u00f5i trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u1ea3i th\u00edch <a href=\"https:\/\/baohiemtasco.vn\/blog\/so-tien-bao-hiem-la-gi\"><strong>s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec<\/strong><\/a>, c\u00e1ch ph\u00e2n lo\u1ea1i, m\u1ed1i quan h\u1ec7 v\u1edbi ph\u00ed b\u1ea3o hi\u1ec3m, l\u01b0u \u00fd khi tham gia v\u00e0 gi\u1ea3i \u0111\u00e1p th\u1eafc m\u1eafc \u0111\u1ec3 b\u1ea1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 kh\u00e1i ni\u1ec7m quan tr\u1ecdng n\u00e0y.<\/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\/so-tien-bao-hiem-la-gi\/#So_tien_bao_hiem_la_gi\" title=\"S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?\">S\u1ed1 ti\u1ec1n 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\/so-tien-bao-hiem-la-gi\/#Moi_quan_he_giua_so_tien_bao_hiem_va_phi_bao_hiem\" title=\"M\u1ed1i quan h\u1ec7 gi\u1eefa s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m\">M\u1ed1i quan h\u1ec7 gi\u1eefa s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/baohiemtasco.vn\/blog\/so-tien-bao-hiem-la-gi\/#Mot_so_luu_y_khi_tham_gia_bao_hiem\" title=\"M\u1ed9t s\u1ed1 l\u01b0u \u00fd khi tham gia b\u1ea3o hi\u1ec3m\">M\u1ed9t s\u1ed1 l\u01b0u \u00fd khi tham gia 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-4\" href=\"https:\/\/baohiemtasco.vn\/blog\/so-tien-bao-hiem-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-5\" href=\"https:\/\/baohiemtasco.vn\/blog\/so-tien-bao-hiem-la-gi\/#Hop_dong_bao_hiem_co_bat_buoc_phai_de_cap_den_so_tien_bao_hiem_khong\" title=\"H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u1ec1 c\u1eadp \u0111\u1ebfn s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng?\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u1ec1 c\u1eadp \u0111\u1ebfn s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/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\/so-tien-bao-hiem-la-gi\/#Ben_mua_bao_hiem_co_quyen_yeu_cau_tang_so_tien_bao_hiem_cho_thoi_gian_con_lai_cua_hop_dong_khong\" title=\"B\u00ean mua b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u t\u0103ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cho th\u1eddi gian c\u00f2n l\u1ea1i c\u1ee7a h\u1ee3p \u0111\u1ed3ng kh\u00f4ng?\">B\u00ean mua b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u t\u0103ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cho th\u1eddi gian c\u00f2n l\u1ea1i c\u1ee7a 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-7\" href=\"https:\/\/baohiemtasco.vn\/blog\/so-tien-bao-hiem-la-gi\/#So_tien_bao_hiem_co_giam_khi_hop_dong_gan_dao_han_khong\" title=\"S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 gi\u1ea3m khi h\u1ee3p \u0111\u1ed3ng g\u1ea7n \u0111\u00e1o h\u1ea1n kh\u00f4ng?\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 gi\u1ea3m khi h\u1ee3p \u0111\u1ed3ng g\u1ea7n \u0111\u00e1o h\u1ea1n 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\/so-tien-bao-hiem-la-gi\/#Co_the_yeu_cau_giam_so_tien_bao_hiem_khong\" title=\"C\u00f3 th\u1ec3 y\u00eau c\u1ea7u gi\u1ea3m s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng?\">C\u00f3 th\u1ec3 y\u00eau c\u1ea7u gi\u1ea3m s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m 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\/so-tien-bao-hiem-la-gi\/#So_tien_bao_hiem_la_gi_co_chiu_thue_khong\" title=\"S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec c\u00f3 ch\u1ecbu thu\u1ebf kh\u00f4ng?\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec c\u00f3 ch\u1ecbu thu\u1ebf 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\/so-tien-bao-hiem-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=\"So_tien_bao_hiem_la_gi\"><\/span><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 kho\u1ea3n ti\u1ec1n m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m cam k\u1ebft chi tr\u1ea3 cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m, nh\u01b0 t\u1eed vong, tai n\u1ea1n, b\u1ec7nh t\u1eadt ho\u1eb7c thi\u1ec7t h\u1ea1i t\u00e0i s\u1ea3n. Trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 \u201cm\u1ec7nh gi\u00e1 b\u1ea3o hi\u1ec3m\u201d (Sum Assured). Trong khi \u1edf b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd, s\u1ed1 ti\u1ec1n n\u00e0y l\u00e0 gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 (nh\u00e0, xe). S\u1ed1 ti\u1ec1n s\u1ebd \u0111\u01b0\u1ee3c ghi r\u00f5 trong h\u1ee3p \u0111\u1ed3ng v\u00e0 l\u00e0 c\u01a1 s\u1edf \u0111\u1ec3 t\u00ednh to\u00e1n quy\u1ec1n l\u1ee3i chi tr\u1ea3. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ch\u00ednh l\u00e0 \u201cl\u1eddi h\u1ee9a t\u00e0i ch\u00ednh\u201d m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1ef1c hi\u1ec7n khi b\u1ea1n g\u1eb7p r\u1ee7i ro.<\/p>\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\/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<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-hon-hop-la-gi\" target=\"_blank\" rel=\"noopener\">B\u1ea3o hi\u1ec3m h\u1ed7n h\u1ee3p l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m ph\u00e2n lo\u1ea1i v\u00e0 l\u1ee3i \u00edch<\/a><\/strong><\/li>\n<\/ul>\n<figure id=\"attachment_5018\" aria-describedby=\"caption-attachment-5018\" style=\"width: 601px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5018\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/so-tien-bao-hiem-la-gi.jpg\" alt=\"S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?\" width=\"601\" height=\"316\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/so-tien-bao-hiem-la-gi.jpg 601w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/so-tien-bao-hiem-la-gi-300x158.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/so-tien-bao-hiem-la-gi-150x79.jpg 150w\" sizes=\"auto, (max-width: 601px) 100vw, 601px\" \/><figcaption id=\"caption-attachment-5018\" class=\"wp-caption-text\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><strong style=\"color: #111111; font-family: Roboto, sans-serif; font-size: 27px;\">Ph\u00e2n lo\u1ea1i s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/strong><\/p>\n<p style=\"text-align: justify;\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 nhi\u1ec1u lo\u1ea1i kh\u00e1c nhau, t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng bao g\u1ed3m:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u1ed1 \u0111\u1ecbnh:<\/strong> \u0110\u00e2y l\u00e0 kho\u1ea3n ti\u1ec1n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh ngay t\u1eeb \u0111\u1ea7u v\u00e0 kh\u00f4ng thay \u0111\u1ed5i trong su\u1ed1t h\u1ee3p \u0111\u1ed3ng, ph\u1ed5 bi\u1ebfn trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1eed k\u1ef3 ho\u1eb7c b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n. V\u00ed d\u1ee5: 500 tri\u1ec7u VN\u0110 cho b\u1ea3o hi\u1ec3m t\u00ednh m\u1ea1ng.<\/li>\n<li aria-level=\"1\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m linh ho\u1ea1t:<\/strong> Lo\u1ea1i n\u00e0y c\u00f3 th\u1ec3 t\u0103ng ho\u1eb7c gi\u1ea3m theo th\u1eddi gian, th\u01b0\u1eddng th\u1ea5y trong b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0, ph\u1ee5 thu\u1ed9c v\u00e0o gi\u00e1 tr\u1ecb qu\u1ef9 \u0111\u1ea7u t\u01b0.<\/li>\n<li aria-level=\"1\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m th\u1ef1c t\u1ebf:<\/strong> Trong b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean gi\u00e1 tr\u1ecb th\u1ef1c c\u1ee7a t\u00e0i s\u1ea3n t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1ea3y ra s\u1ef1 ki\u1ec7n (nh\u01b0 xe h\u1ecfng, nh\u00e0 ch\u00e1y).<\/li>\n<li aria-level=\"1\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m b\u1ed5 sung:<\/strong> \u0110\u00e2y l\u00e0 kho\u1ea3n chi tr\u1ea3 th\u00eam cho c\u00e1c quy\u1ec1n l\u1ee3i ph\u1ee5 (b\u1ec7nh hi\u1ec3m ngh\u00e8o, tai n\u1ea1n), ngo\u00e0i s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ch\u00ednh.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u \u0111a d\u1ea1ng c\u1ee7a ng\u01b0\u1eddi tham gia, t\u1eeb b\u1ea3o v\u1ec7 c\u01a1 b\u1ea3n \u0111\u1ebfn to\u00e0n di\u1ec7n.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Moi_quan_he_giua_so_tien_bao_hiem_va_phi_bao_hiem\"><\/span><strong>M\u1ed1i quan h\u1ec7 gi\u1eefa s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\"><em>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/em> c\u00f3 m\u1ed1i li\u00ean h\u1ec7 ch\u1eb7t ch\u1ebd v\u1edbi ph\u00ed b\u1ea3o hi\u1ec3m \u2013 kho\u1ea3n ti\u1ec1n b\u1ea1n ph\u1ea3i \u0111\u00f3ng \u0111\u1ec3 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng. M\u1ed1i quan h\u1ec7 n\u00e0y \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n qua c\u00e1c kh\u00eda c\u1ea1nh sau:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>T\u1ef7 l\u1ec7 thu\u1eadn:<\/strong> S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00e0ng cao, ph\u00ed b\u1ea3o hi\u1ec3m c\u00e0ng l\u1edbn, v\u00ec c\u00f4ng ty ph\u1ea3i d\u1ef1 ph\u00f2ng nhi\u1ec1u h\u01a1n \u0111\u1ec3 chi tr\u1ea3 khi r\u1ee7i ro x\u1ea3y ra. V\u00ed d\u1ee5: B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd 1 t\u1ef7 VN\u0110 s\u1ebd c\u00f3 ph\u00ed cao h\u01a1n g\u00f3i 500 tri\u1ec7u VN\u0110.<\/li>\n<li aria-level=\"1\"><strong>Y\u1ebfu t\u1ed1 r\u1ee7i ro:<\/strong> \u0110\u1ed9 tu\u1ed5i, s\u1ee9c kh\u1ecfe, ngh\u1ec1 nghi\u1ec7p c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ph\u00ed. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec cao nh\u01b0ng r\u1ee7i ro th\u1ea5p (ng\u01b0\u1eddi tr\u1ebb, kh\u1ecfe m\u1ea1nh) c\u00f3 th\u1ec3 gi\u1eef ph\u00ed \u1edf m\u1ee9c h\u1ee3p l\u00fd.<\/li>\n<li aria-level=\"1\"><strong>Th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng:<\/strong> H\u1ee3p \u0111\u1ed3ng d\u00e0i h\u1ea1n th\u01b0\u1eddng ph\u00e2n b\u1ed5 ph\u00ed \u0111\u1ec1u h\u01a1n, trong khi h\u1ee3p \u0111\u1ed3ng ng\u1eafn h\u1ea1n t\u0103ng ph\u00ed \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c chi tr\u1ea3 \u0111\u1ea7y \u0111\u1ee7.<\/li>\n<\/ul>\n<figure id=\"attachment_5020\" aria-describedby=\"caption-attachment-5020\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5020\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/moi-quan-he-giua-so-tien-bao-hiem-va-phi-bao-hiem.jpg\" alt=\"M\u1ed1i quan h\u1ec7 gi\u1eefa s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m\" width=\"600\" height=\"451\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/moi-quan-he-giua-so-tien-bao-hiem-va-phi-bao-hiem.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/moi-quan-he-giua-so-tien-bao-hiem-va-phi-bao-hiem-300x226.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/moi-quan-he-giua-so-tien-bao-hiem-va-phi-bao-hiem-150x113.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5020\" class=\"wp-caption-text\">M\u1ed1i quan h\u1ec7 gi\u1eefa s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u01b0\u1ee3c c\u00e2n nh\u1eafc k\u1ef9 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n v\u1eeba nh\u1eadn \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 mong mu\u1ed1n v\u1eeba ph\u00f9 h\u1ee3p v\u1edbi ng\u00e2n s\u00e1ch.<\/p>\n<p><em><strong>B\u1ed5 sung th\u00f4ng tin t\u1ea1i:<\/strong><\/em><\/p>\n<ul>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-tron-doi-la-gi\" target=\"_blank\" rel=\"noopener\">B\u1ea3o hi\u1ec3m tr\u1ecdn \u0111\u1eddi l\u00e0 g\u00ec? Quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c nh\u1eadn khi tham gia<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/bao-hiem-sinh-ky-la-gi\" target=\"_blank\" rel=\"noopener\">B\u1ea3o hi\u1ec3m sinh k\u1ef3 l\u00e0 g\u00ec? Nh\u1eefng th\u00f4ng tin nh\u1ea5t \u0111\u1ecbnh ph\u1ea3i bi\u1ebft<\/a><\/strong><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Mot_so_luu_y_khi_tham_gia_bao_hiem\"><\/span><strong>M\u1ed9t s\u1ed1 l\u01b0u \u00fd khi tham gia b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Khi tham gia b\u1ea3o hi\u1ec3m, vi\u1ec7c n\u1eafm r\u00f5 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 quy\u1ec1n l\u1ee3i l\u00e0 r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 tr\u00e1nh nh\u1eefng r\u1ee7i ro kh\u00f4ng \u0111\u00e1ng c\u00f3. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 l\u01b0u \u00fd quan tr\u1ecdng gi\u00fap b\u1ea1n l\u1ef1a ch\u1ecdn v\u00e0 s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>X\u00e1c \u0111\u1ecbnh nhu c\u1ea7u:<\/strong> B\u1ea1n c\u1ea7n ch\u1ecdn s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh (b\u1ea3o v\u1ec7 gia \u0111\u00ecnh, t\u00edch l\u0169y, tr\u1ea3 n\u1ee3) thay v\u00ec ch\u1ecdn m\u1ee9c qu\u00e1 cao ho\u1eb7c th\u1ea5p kh\u00f4ng c\u1ea7n thi\u1ebft.<\/li>\n<li aria-level=\"1\"><strong>\u0110\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng:<\/strong> B\u1ea1n n\u00ean ki\u1ec3m tra s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ghi r\u00f5 r\u00e0ng bao g\u1ed3m c\u1ea3 quy\u1ec1n l\u1ee3i b\u1ed5 sung, \u0111\u1ec3 tr\u00e1nh nh\u1ea7m l\u1eabn khi y\u00eau c\u1ea7u chi tr\u1ea3.<\/li>\n<li aria-level=\"1\"><strong>C\u00e2n nh\u1eafc kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh:<\/strong> B\u1ea1n ph\u1ea3i \u0111\u1ea3m b\u1ea3o ph\u00ed b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng v\u1edbi s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng v\u01b0\u1ee3t qu\u00e1 kh\u1ea3 n\u0103ng chi tr\u1ea3 h\u00e0ng n\u0103m.<\/li>\n<li aria-level=\"1\"><strong>H\u1ecfi v\u1ec1 \u0111i\u1ec1u ch\u1ec9nh:<\/strong> B\u1ea1n c\u1ea7n t\u00ecm hi\u1ec3u xem s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u0103ng gi\u1ea3m trong t\u01b0\u01a1ng lai hay kh\u00f4ng \u0111\u1ec3 linh ho\u1ea1t v\u1edbi ho\u00e0n c\u1ea3nh thay \u0111\u1ed5i.<\/li>\n<li aria-level=\"1\"><strong>Theo d\u00f5i \u0111\u1ecbnh k\u1ef3:<\/strong> B\u1ea1n n\u00ean ki\u1ec3m tra b\u1ea3ng minh h\u1ecda quy\u1ec1n l\u1ee3i \u0111\u1ec3 bi\u1ebft s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 thay \u0111\u1ed5i theo th\u1eddi gian, \u0111\u1eb7c bi\u1ec7t v\u1edbi b\u1ea3o hi\u1ec3m \u0111\u1ea7u t\u01b0.<\/li>\n<\/ul>\n<figure id=\"attachment_5021\" aria-describedby=\"caption-attachment-5021\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5021\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-luu-y-khi-tham-gia-bao-hiem.jpg\" alt=\"M\u1ed9t s\u1ed1 l\u01b0u \u00fd khi tham gia b\u1ea3o hi\u1ec3m\" width=\"600\" height=\"334\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-luu-y-khi-tham-gia-bao-hiem.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-luu-y-khi-tham-gia-bao-hiem-300x167.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-luu-y-khi-tham-gia-bao-hiem-150x84.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5021\" class=\"wp-caption-text\">M\u1ed9t s\u1ed1 l\u01b0u \u00fd khi tham gia b\u1ea3o hi\u1ec3m<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">Nh\u1eefng l\u01b0u \u00fd n\u00e0y gi\u00fap b\u1ea1n tham gia b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3 v\u00e0 tr\u00e1nh r\u1ee7i ro kh\u00f4ng \u0111\u00e1ng c\u00f3.<\/p>\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=\"Hop_dong_bao_hiem_co_bat_buoc_phai_de_cap_den_so_tien_bao_hiem_khong\"><\/span><strong>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 b\u1eaft bu\u1ed9c ph\u1ea3i \u0111\u1ec1 c\u1eadp \u0111\u1ebfn s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, theo Lu\u1eadt Kinh doanh B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u01b0\u1ee3c ghi r\u00f5 trong h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 minh b\u1ea1ch quy\u1ec1n l\u1ee3i v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a c\u00e1c b\u00ean.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Ben_mua_bao_hiem_co_quyen_yeu_cau_tang_so_tien_bao_hiem_cho_thoi_gian_con_lai_cua_hop_dong_khong\"><\/span><strong>B\u00ean mua b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n y\u00eau c\u1ea7u t\u0103ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m cho th\u1eddi gian c\u00f2n l\u1ea1i c\u1ee7a h\u1ee3p \u0111\u1ed3ng kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, nh\u01b0ng ph\u1ee5 thu\u1ed9c v\u00e0o ch\u00ednh s\u00e1ch c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 th\u01b0\u1eddng y\u00eau c\u1ea7u \u0111\u00e1nh gi\u00e1 l\u1ea1i r\u1ee7i ro, c\u00f3 th\u1ec3 t\u0103ng ph\u00ed b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"So_tien_bao_hiem_co_giam_khi_hop_dong_gan_dao_han_khong\"><\/span><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 gi\u1ea3m khi h\u1ee3p \u0111\u1ed3ng g\u1ea7n \u0111\u00e1o h\u1ea1n kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u1ed1 \u0111\u1ecbnh kh\u00f4ng gi\u1ea3m, nh\u01b0ng v\u1edbi b\u1ea3o hi\u1ec3m \u0111\u1ea7u t\u01b0, gi\u00e1 tr\u1ecb c\u00f3 th\u1ec3 bi\u1ebfn \u0111\u1ed9ng theo qu\u1ef9.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Co_the_yeu_cau_giam_so_tien_bao_hiem_khong\"><\/span><strong>C\u00f3 th\u1ec3 y\u00eau c\u1ea7u gi\u1ea3m s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m 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 y\u00eau c\u1ea7u gi\u1ea3m n\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m cho ph\u00e9p, nh\u01b0ng \u0111i\u1ec1u n\u00e0y th\u01b0\u1eddng l\u00e0m gi\u1ea3m quy\u1ec1n l\u1ee3i v\u00e0 gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"So_tien_bao_hiem_la_gi_co_chiu_thue_khong\"><\/span><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec c\u00f3 ch\u1ecbu thu\u1ebf kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng, t\u1ea1i Vi\u1ec7t Nam, quy\u1ec1n l\u1ee3i t\u1eeb s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m (t\u1eed tu\u1ea5t, \u0111\u00e1o h\u1ea1n) kh\u00f4ng ph\u1ea3i ch\u1ecbu thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n.<\/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;\">Hi\u1ec3u r\u00f5 <span style=\"text-decoration: underline;\">s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec<\/span> gi\u00fap ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m c\u00f3 k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p v\u00e0 t\u1eadn d\u1ee5ng t\u1ed1i \u0111a quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m. Vi\u1ec7c l\u1ef1a ch\u1ecdn m\u1ee9c s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m h\u1ee3p l\u00fd s\u1ebd \u0111\u1ea3m b\u1ea3o s\u1ef1 b\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n tr\u01b0\u1edbc r\u1ee7i ro m\u00e0 kh\u00f4ng g\u00e2y \u00e1p l\u1ef1c t\u00e0i ch\u00ednh. V\u00ec v\u1eady, b\u1ea1n h\u00e3y c\u00e2n nh\u1eafc k\u1ef9 l\u01b0\u1ee1ng v\u00e0 t\u00ecm hi\u1ec3u chi ti\u1ebft tr\u01b0\u1edbc khi tham gia b\u1ea5t k\u1ef3 g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0o.<\/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>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m 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 b\u1ea3o hi\u1ec3m, t\u1eeb nh\u00e2n th\u1ecd \u0111\u1ebfn phi nh\u00e2n th\u1ecd, \u0111\u1ec3 n\u1eafm r\u00f5 quy\u1ec1n l\u1ee3i t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh. \u0110\u00e2y l\u00e0 y\u1ebfu t\u1ed1 c\u1ed1t l\u00f5i trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u1ea3i th\u00edch s\u1ed1 ti\u1ec1n [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5022,"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-5017","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\/5017","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=5017"}],"version-history":[{"count":4,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5017\/revisions"}],"predecessor-version":[{"id":5160,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5017\/revisions\/5160"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/5022"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=5017"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=5017"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=5017"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}