{"id":5078,"date":"2025-05-20T16:16:22","date_gmt":"2025-05-20T09:16:22","guid":{"rendered":"https:\/\/baohiemtasco.vn\/blog\/?p=5078"},"modified":"2025-05-16T14:17:57","modified_gmt":"2025-05-16T07:17:57","slug":"fyp-la-gi-trong-bao-hiem","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/fyp-la-gi-trong-bao-hiem","title":{"rendered":"FYP l\u00e0 g\u00ec trong b\u1ea3o hi\u1ec3m? Gi\u1ea3i th\u00edch chi ti\u1ebft v\u1ec1 ph\u00ed b\u1ea3o hi\u1ec3m n\u0103m \u0111\u1ea7u cho ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>FYP l\u00e0 g\u00ec trong b\u1ea3o hi\u1ec3m l\u00e0 c\u00e2u h\u1ecfi m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi m\u1edbi tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u01b0\u1eddng th\u1eafc m\u1eafc khi nghe \u0111\u1ebfn thu\u1eadt ng\u1eef n\u00e0y t\u1eeb t\u01b0 v\u1ea5n vi\u00ean. FYP li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ph\u00ed b\u1ea3o hi\u1ec3m b\u1ea1n \u0111\u00f3ng v\u00e0 quy\u1ec1n l\u1ee3i nh\u1eadn \u0111\u01b0\u1ee3c. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u1ea3i th\u00edch <a href=\"https:\/\/baohiemtasco.vn\/blog\/fyp-la-gi-trong-bao-hiem\"><strong>FYP l\u00e0 g\u00ec trong b\u1ea3o hi\u1ec3m<\/strong><\/a>, c\u00e1ch t\u00ednh, c\u00e1c thu\u1eadt ng\u1eef li\u00ean quan, l\u01b0u \u00fd khi \u0111\u00f3ng ph\u00ed 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 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\/fyp-la-gi-trong-bao-hiem\/#FYP_la_gi_trong_bao_hiem\" title=\"FYP l\u00e0 g\u00ec trong b\u1ea3o hi\u1ec3m?\">FYP l\u00e0 g\u00ec trong 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-2\" href=\"https:\/\/baohiemtasco.vn\/blog\/fyp-la-gi-trong-bao-hiem\/#FYP_duoc_tinh_dua_tren_cac_tieu_chi_nao\" title=\"FYP \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean c\u00e1c ti\u00eau ch\u00ed n\u00e0o?\">FYP \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean c\u00e1c ti\u00eau ch\u00ed n\u00e0o?<\/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\/fyp-la-gi-trong-bao-hiem\/#Mot_so_thuat_ngu_khac_trong_bao_hiem_nhan_tho\" title=\"M\u1ed9t s\u1ed1 thu\u1eadt ng\u1eef kh\u00e1c trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\">M\u1ed9t s\u1ed1 thu\u1eadt ng\u1eef kh\u00e1c trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/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\/fyp-la-gi-trong-bao-hiem\/#Mot_so_luu_y_khi_dong_phi_bao_hiem_nhan_tho\" title=\"M\u1ed9t s\u1ed1 l\u01b0u \u00fd khi \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\">M\u1ed9t s\u1ed1 l\u01b0u \u00fd khi \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/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\/fyp-la-gi-trong-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-6\" href=\"https:\/\/baohiemtasco.vn\/blog\/fyp-la-gi-trong-bao-hiem\/#1_FYP_trong_bao_hiem_co_thay_doi_khong\" title=\"1. FYP trong b\u1ea3o hi\u1ec3m c\u00f3 thay \u0111\u1ed5i kh\u00f4ng?\">1. FYP trong b\u1ea3o hi\u1ec3m c\u00f3 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\/fyp-la-gi-trong-bao-hiem\/#2_Khong_dong_FYP_thi_sao\" title=\"2. Kh\u00f4ng \u0111\u00f3ng FYP th\u00ec sao?\">2. Kh\u00f4ng \u0111\u00f3ng FYP 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\/fyp-la-gi-trong-bao-hiem\/#3_FYP_co_duoc_mien_thue_khong\" title=\"3. FYP c\u00f3 \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf kh\u00f4ng?\">3. FYP c\u00f3 \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf 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\/fyp-la-gi-trong-bao-hiem\/#4_FYP_cao_hon_cac_nam_sau_co_binh_thuong_khong\" title=\"4. FYP cao h\u01a1n c\u00e1c n\u0103m sau c\u00f3 b\u00ecnh th\u01b0\u1eddng kh\u00f4ng?\">4. FYP cao h\u01a1n c\u00e1c n\u0103m sau c\u00f3 b\u00ecnh th\u01b0\u1eddng 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\/fyp-la-gi-trong-bao-hiem\/#5_FYP_co_anh_huong_den_gia_tri_hoan_lai_khong\" title=\"5. FYP c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i kh\u00f4ng?\">5. FYP c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i 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-11\" href=\"https:\/\/baohiemtasco.vn\/blog\/fyp-la-gi-trong-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=\"FYP_la_gi_trong_bao_hiem\"><\/span><strong>FYP l\u00e0 g\u00ec trong b\u1ea3o hi\u1ec3m?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">FYP (First Year Premium) l\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m n\u0103m \u0111\u1ea7u ti\u00ean m\u00e0 b\u1ea1n \u0111\u00f3ng khi tham gia m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. \u0110\u00e2y l\u00e0 kho\u1ea3n ti\u1ec1n ban \u0111\u1ea7u \u0111\u1ec3 k\u00edch ho\u1ea1t h\u1ee3p \u0111\u1ed3ng, \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i b\u1ea3o v\u1ec7 v\u00e0 t\u00edch l\u0169y (n\u1ebfu c\u00f3) b\u1eaft \u0111\u1ea7u c\u00f3 hi\u1ec7u l\u1ef1c. FYP th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, \u0111\u1ed9 tu\u1ed5i, gi\u1edbi t\u00ednh, s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n, v\u00e0 lo\u1ea1i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m (t\u1eed k\u1ef3, h\u1ed7n h\u1ee3p, li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0). FYP l\u00e0 g\u00ec trong b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 l\u00e0 chi ph\u00ed m\u00e0 c\u00f2n l\u00e0 b\u01b0\u1edbc kh\u1edfi \u0111\u1ea7u \u0111\u1ec3 b\u1ea1n x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd.<\/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\/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<figure id=\"attachment_5079\" aria-describedby=\"caption-attachment-5079\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5079\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/fyp-la-phi-bao-hiem-nam-dau.jpg\" alt=\"FYP l\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m n\u0103m \u0111\u1ea7u\" width=\"600\" height=\"365\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/fyp-la-phi-bao-hiem-nam-dau.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/fyp-la-phi-bao-hiem-nam-dau-300x183.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/fyp-la-phi-bao-hiem-nam-dau-150x91.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5079\" class=\"wp-caption-text\">FYP l\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m n\u0103m \u0111\u1ea7u<\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"FYP_duoc_tinh_dua_tren_cac_tieu_chi_nao\"><\/span><strong>FYP \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean c\u00e1c ti\u00eau ch\u00ed n\u00e0o?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">FYP l\u00e0 g\u00ec trong b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh d\u1ef1a tr\u00ean nhi\u1ec1u y\u1ebfu t\u1ed1 \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o ph\u00f9 h\u1ee3p v\u1edbi t\u1eebng kh\u00e1ch h\u00e0ng v\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m. C\u00e1c ti\u00eau ch\u00ed ch\u00ednh bao g\u1ed3m:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m (Sum Assured):<\/strong> \u0110\u00e2y l\u00e0 kho\u1ea3n ti\u1ec1n c\u00f4ng ty b\u1ea3o hi\u1ec3m cam k\u1ebft chi tr\u1ea3 khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m (t\u1eed vong, \u0111\u00e1o h\u1ea1n). S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00e0ng cao, FYP c\u00e0ng l\u1edbn.<\/li>\n<li aria-level=\"1\"><strong>\u0110\u1ed9 tu\u1ed5i ng\u01b0\u1eddi tham gia:<\/strong> Ng\u01b0\u1eddi tr\u1ebb th\u01b0\u1eddng c\u00f3 FYP th\u1ea5p h\u01a1n ng\u01b0\u1eddi l\u1edbn tu\u1ed5i do r\u1ee7i ro s\u1ee9c kh\u1ecfe th\u1ea5p h\u01a1n.<\/li>\n<li aria-level=\"1\"><strong>Gi\u1edbi t\u00ednh:<\/strong> Nam gi\u1edbi th\u01b0\u1eddng c\u00f3 FYP cao h\u01a1n n\u1eef gi\u1edbi v\u00ec t\u1ef7 l\u1ec7 r\u1ee7i ro t\u1eed vong cao h\u01a1n (theo th\u1ed1ng k\u00ea b\u1ea3o hi\u1ec3m).<\/li>\n<li aria-level=\"1\"><strong>T\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe:<\/strong> N\u1ebfu b\u1ea1n c\u00f3 b\u1ec7nh l\u00fd (tim m\u1ea1ch, ti\u1ec3u \u0111\u01b0\u1eddng), FYP c\u00f3 th\u1ec3 t\u0103ng \u0111\u1ec3 b\u00f9 \u0111\u1eafp r\u1ee7i ro.<\/li>\n<li aria-level=\"1\"><strong>Th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng:<\/strong> H\u1ee3p \u0111\u1ed3ng d\u00e0i h\u1ea1n (20-30 n\u0103m) th\u01b0\u1eddng c\u00f3 FYP th\u1ea5p h\u01a1n h\u1ee3p \u0111\u1ed3ng ng\u1eafn h\u1ea1n do ph\u00ed \u0111\u01b0\u1ee3c d\u00e0n tr\u1ea3i.<\/li>\n<li aria-level=\"1\"><strong>Lo\u1ea1i s\u1ea3n ph\u1ea9m:<\/strong> FYP c\u1ee7a b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 th\u01b0\u1eddng cao h\u01a1n b\u1ea3o hi\u1ec3m t\u1eed k\u1ef3 v\u00ec c\u00f3 y\u1ebfu t\u1ed1 \u0111\u1ea7u t\u01b0.<\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Mot_so_thuat_ngu_khac_trong_bao_hiem_nhan_tho\"><\/span><strong>M\u1ed9t s\u1ed1 thu\u1eadt ng\u1eef kh\u00e1c trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">Ngo\u00e0i FYP l\u00e0 g\u00ec trong b\u1ea3o hi\u1ec3m, c\u00f2n c\u00f3 nhi\u1ec1u thu\u1eadt ng\u1eef quan tr\u1ecdng kh\u00e1c trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u00e0 b\u1ea1n n\u00ean bi\u1ebft:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>RYP (Renewal Year Premium):<\/strong> Ph\u00ed b\u1ea3o hi\u1ec3m c\u00e1c n\u0103m ti\u1ebfp theo sau n\u0103m \u0111\u1ea7u ti\u00ean, th\u01b0\u1eddng b\u1eb1ng ho\u1eb7c th\u1ea5p h\u01a1n FYP t\u00f9y h\u1ee3p \u0111\u1ed3ng.<\/li>\n<li aria-level=\"1\"><strong>Sum Assured:<\/strong> S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m, l\u00e0 kho\u1ea3n chi tr\u1ea3 t\u1ed1i \u0111a khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/li>\n<li aria-level=\"1\"><strong>Premium Term:<\/strong> Th\u1eddi gian \u0111\u00f3ng ph\u00ed, c\u00f3 th\u1ec3 ng\u1eafn h\u01a1n ho\u1eb7c b\u1eb1ng th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng (v\u00ed d\u1ee5: \u0111\u00f3ng 10 n\u0103m cho h\u1ee3p \u0111\u1ed3ng 20 n\u0103m).<\/li>\n<li aria-level=\"1\"><strong>Policy Term:<\/strong> Th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng, l\u00e0 kho\u1ea3ng th\u1eddi gian b\u1ea3o hi\u1ec3m c\u00f3 hi\u1ec7u l\u1ef1c (10 n\u0103m, 20 n\u0103m, tr\u1ecdn \u0111\u1eddi).<\/li>\n<li aria-level=\"1\"><strong>Cash Value (Gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i):<\/strong> Kho\u1ea3n ti\u1ec1n t\u00edch l\u0169y b\u1ea1n nh\u1eadn \u0111\u01b0\u1ee3c khi h\u1ee7y h\u1ee3p \u0111\u1ed3ng ho\u1eb7c \u0111\u00e1o h\u1ea1n (n\u1ebfu c\u00f3).<\/li>\n<\/ul>\n<figure id=\"attachment_5080\" aria-describedby=\"caption-attachment-5080\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5080\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-thuat-ngu-khac-trong-bao-hiem-nhan-tho.jpg\" alt=\"M\u1ed9t s\u1ed1 thu\u1eadt ng\u1eef kh\u00e1c trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\" width=\"600\" height=\"424\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-thuat-ngu-khac-trong-bao-hiem-nhan-tho.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-thuat-ngu-khac-trong-bao-hiem-nhan-tho-300x212.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-thuat-ngu-khac-trong-bao-hiem-nhan-tho-150x106.jpg 150w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-thuat-ngu-khac-trong-bao-hiem-nhan-tho-100x70.jpg 100w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5080\" class=\"wp-caption-text\">M\u1ed9t s\u1ed1 thu\u1eadt ng\u1eef kh\u00e1c trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/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\/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=\"Mot_so_luu_y_khi_dong_phi_bao_hiem_nhan_tho\"><\/span><strong>M\u1ed9t s\u1ed1 l\u01b0u \u00fd khi \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 l\u01b0u \u00fd quan tr\u1ecdng khi \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, nh\u1eefng l\u01b0u \u00fd n\u00e0y kh\u00f4ng ch\u1ec9 gi\u00fap kh\u00e1ch h\u00e0ng qu\u1ea3n l\u00fd h\u1ee3p \u0111\u1ed3ng hi\u1ec7u qu\u1ea3 m\u00e0 c\u00f2n t\u0103ng s\u1ef1 tin t\u01b0\u1edfng v\u00e0o d\u1ecbch v\u1ee5. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 l\u01b0u \u00fd:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>\u0110\u00f3ng \u0111\u00fang h\u1ea1n:<\/strong> B\u1ea1n n\u00ean n\u1ed9p FYP v\u00e0 c\u00e1c k\u1ef3 ph\u00ed ti\u1ebfp theo tr\u01b0\u1edbc th\u1eddi h\u1ea1n (th\u01b0\u1eddng c\u00f3 30-60 ng\u00e0y \u00e2n h\u1ea1n) \u0111\u1ec3 tr\u00e1nh h\u1ee3p \u0111\u1ed3ng m\u1ea5t hi\u1ec7u l\u1ef1c.<\/li>\n<li aria-level=\"1\"><strong>Ki\u1ec3m tra t\u00e0i ch\u00ednh:<\/strong> B\u1ea1n c\u1ea7n \u0111\u00e1nh gi\u00e1 kh\u1ea3 n\u0103ng chi tr\u1ea3 FYP \u0111\u1ec3 tr\u00e1nh b\u1ecf d\u1edf gi\u1eefa ch\u1eebng, \u0111\u1eb7c bi\u1ec7t v\u1edbi h\u1ee3p \u0111\u1ed3ng d\u00e0i h\u1ea1n.<\/li>\n<li aria-level=\"1\"><strong>Hi\u1ec3u \u0111i\u1ec1u kho\u1ea3n:<\/strong> B\u1ea1n n\u00ean h\u1ecfi r\u00f5 FYP l\u00e0 g\u00ec trong b\u1ea3o hi\u1ec3m c\u00f3 bao g\u1ed3m ph\u00ed b\u1ed5 sung (b\u1ec7nh hi\u1ec3m ngh\u00e8o, tai n\u1ea1n) hay kh\u00f4ng \u0111\u1ec3 d\u1ef1 tr\u00f9 chi ph\u00ed.<\/li>\n<li aria-level=\"1\"><strong>L\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng th\u1ee9c:<\/strong> B\u1ea1n c\u00f3 th\u1ec3 \u0111\u00f3ng ph\u00ed qua chuy\u1ec3n kho\u1ea3n, \u1ee9ng d\u1ee5ng ho\u1eb7c t\u1ea1i qu\u1ea7y \u0111\u1ec3 ti\u1ec7n qu\u1ea3n l\u00fd, tr\u00e1nh tr\u1ec5 h\u1ea1n.<\/li>\n<li aria-level=\"1\"><strong>Theo d\u00f5i h\u1ee3p \u0111\u1ed3ng:<\/strong> B\u1ea1n c\u1ea7n ki\u1ec3m tra bi\u00ean lai v\u00e0 t\u00ecnh tr\u1ea1ng h\u1ee3p \u0111\u1ed3ng sau khi \u0111\u00f3ng FYP \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c ghi nh\u1eadn \u0111\u00fang.<\/li>\n<\/ul>\n<figure id=\"attachment_5083\" aria-describedby=\"caption-attachment-5083\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5083\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-luu-y-khi-dong-phi-bao-hiem-nhan-tho.jpg\" alt=\"M\u1ed9t s\u1ed1 l\u01b0u \u00fd trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-luu-y-khi-dong-phi-bao-hiem-nhan-tho.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-luu-y-khi-dong-phi-bao-hiem-nhan-tho-300x200.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/mot-so-luu-y-khi-dong-phi-bao-hiem-nhan-tho-150x100.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5083\" class=\"wp-caption-text\">M\u1ed9t s\u1ed1 l\u01b0u \u00fd trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/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_FYP_trong_bao_hiem_co_thay_doi_khong\"><\/span><strong>1. FYP trong b\u1ea3o hi\u1ec3m c\u00f3 thay \u0111\u1ed5i kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng, FYP l\u00e0 c\u1ed1 \u0111\u1ecbnh cho n\u0103m \u0111\u1ea7u, nh\u01b0ng RYP c\u00e1c n\u0103m sau c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh t\u00f9y h\u1ee3p \u0111\u1ed3ng.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"2_Khong_dong_FYP_thi_sao\"><\/span><strong>2. Kh\u00f4ng \u0111\u00f3ng FYP th\u00ec sao?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">H\u1ee3p \u0111\u1ed3ng s\u1ebd kh\u00f4ng c\u00f3 hi\u1ec7u l\u1ef1c, b\u1ea1n m\u1ea5t quy\u1ec1n l\u1ee3i b\u1ea3o v\u1ec7 v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n ph\u00ed n\u1ebfu ch\u01b0a \u0111\u00f3ng \u0111\u1ee7.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"3_FYP_co_duoc_mien_thue_khong\"><\/span><strong>3. FYP c\u00f3 \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, FYP \u0111\u01b0\u1ee3c kh\u1ea5u tr\u1eeb thu\u1ebf TNCN trong gi\u1edbi h\u1ea1n 12 tri\u1ec7u VN\u0110\/n\u0103m theo Lu\u1eadt Thu\u1ebf TNCN Vi\u1ec7t Nam.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"4_FYP_cao_hon_cac_nam_sau_co_binh_thuong_khong\"><\/span><strong>4. FYP cao h\u01a1n c\u00e1c n\u0103m sau c\u00f3 b\u00ecnh th\u01b0\u1eddng kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, v\u00ec n\u0103m \u0111\u1ea7u th\u01b0\u1eddng bao g\u1ed3m chi ph\u00ed qu\u1ea3n l\u00fd v\u00e0 hoa h\u1ed3ng t\u01b0 v\u1ea5n, sau \u0111\u00f3 gi\u1ea3m d\u1ea7n.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"5_FYP_co_anh_huong_den_gia_tri_hoan_lai_khong\"><\/span><strong>5. FYP c\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00f3, FYP l\u00e0 n\u1ec1n t\u1ea3ng t\u00edch l\u0169y ban \u0111\u1ea7u, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i n\u1ebfu h\u1ee3p \u0111\u1ed3ng c\u00f3 y\u1ebfu t\u1ed1 ti\u1ebft ki\u1ec7m.<\/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;\">T\u00f3m l\u1ea1i, <span style=\"text-decoration: underline;\">FYP (First Year Premium)<\/span> l\u00e0 kh\u00e1i ni\u1ec7m quan tr\u1ecdng trong b\u1ea3o hi\u1ec3m, th\u1ec3 hi\u1ec7n kho\u1ea3n ph\u00ed \u0111\u1ea7u ti\u00ean m\u00e0 b\u1ea1n \u0111\u00f3ng trong n\u0103m \u0111\u1ea7u ti\u00ean c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Hy v\u1ecdng qua nh\u1eefng th\u00f4ng tin m\u00e0 b\u1ea3o hi\u1ec3m Tasco cung c\u1ea5p, b\u1ea1n \u0111\u00e3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 FYP c\u0169ng nh\u01b0 vai tr\u00f2 trong vi\u1ec7c l\u1eadp k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh. N\u1ebfu b\u1ea1n v\u1eabn c\u00f2n th\u1eafc m\u1eafc ho\u1eb7c mu\u1ed1n t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 c\u00e1c s\u1ea3n ph\u1ea9m <a href=\"https:\/\/baohiemtasco.vn\/bao-hiem-xe-co-gioi\" target=\"_blank\" rel=\"noopener\"><strong>b\u1ea3o hi\u1ec3m xe<\/strong><\/a> ph\u00f9 h\u1ee3p, \u0111\u1eebng ng\u1ea7n ng\u1ea1i li\u00ean h\u1ec7 v\u1edbi B\u1ea3o hi\u1ec3m Tasco \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n chi ti\u1ebft v\u00e0 h\u1ed7 tr\u1ee3 t\u1ed1t nh\u1ea5t!<\/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>FYP l\u00e0 g\u00ec trong b\u1ea3o hi\u1ec3m l\u00e0 c\u00e2u h\u1ecfi m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi m\u1edbi tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u01b0\u1eddng th\u1eafc m\u1eafc khi nghe \u0111\u1ebfn thu\u1eadt ng\u1eef n\u00e0y t\u1eeb t\u01b0 v\u1ea5n vi\u00ean. FYP li\u00ean quan tr\u1ef1c ti\u1ebfp \u0111\u1ebfn ph\u00ed b\u1ea3o hi\u1ec3m b\u1ea1n \u0111\u00f3ng v\u00e0 quy\u1ec1n l\u1ee3i nh\u1eadn \u0111\u01b0\u1ee3c. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u1ea3i th\u00edch FYP [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5084,"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-5078","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\/5078","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=5078"}],"version-history":[{"count":3,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5078\/revisions"}],"predecessor-version":[{"id":5150,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5078\/revisions\/5150"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/5084"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=5078"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=5078"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=5078"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}