{"id":5123,"date":"2025-05-20T16:24:59","date_gmt":"2025-05-20T09:24:59","guid":{"rendered":"https:\/\/baohiemtasco.vn\/blog\/?p=5123"},"modified":"2025-05-16T16:36:22","modified_gmt":"2025-05-16T09:36:22","slug":"so-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/so-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai","title":{"rendered":"So s\u00e1nh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i\u00a0chi ti\u1ebft, d\u1ec5 hi\u1ec3u nh\u1ea5t cho ng\u01b0\u1eddi tham gia"},"content":{"rendered":"<p style=\"text-align: justify;\"><em>Trong cu\u1ed9c s\u1ed1ng hi\u1ec7n \u0111\u1ea1i, b\u1ea3o hi\u1ec3m \u0111\u00e3 tr\u1edf th\u00e0nh gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh c\u1ea7n thi\u1ebft gi\u00fap ng\u01b0\u1eddi d\u00e2n gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u00e0 \u1ed5n \u0111\u1ecbnh cu\u1ed9c s\u1ed1ng. Tuy nhi\u00ean, kh\u00f4ng \u00edt ng\u01b0\u1eddi v\u1eabn nh\u1ea7m l\u1eabn ho\u1eb7c ch\u01b0a hi\u1ec3u r\u00f5 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i. Vi\u1ec7c n\u1eafm r\u00f5 \u0111\u1eb7c \u0111i\u1ec3m v\u00e0 vai tr\u00f2 c\u1ee7a t\u1eebng lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m s\u1ebd gi\u00fap b\u1ea1n c\u00f3 l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u v\u00e0 quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh. B\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y s\u1ebd gi\u00fap b\u1ea1n <a href=\"https:\/\/baohiemtasco.vn\/blog\/so-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai\"><strong>so s\u00e1nh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i<\/strong><\/a> m\u1ed9t c\u00e1ch chi ti\u1ebft, d\u1ec5 hi\u1ec3u nh\u1ea5t.<\/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-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai\/#Hieu_dung_ve_bao_hiem_xa_hoi_va_bao_hiem_thuong_mai\" title=\"Hi\u1ec3u \u0111\u00fang v\u1ec1 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i\">Hi\u1ec3u \u0111\u00fang v\u1ec1 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i<\/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-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai\/#So_sanh_bao_hiem_xa_hoi_va_bao_hiem_thuong_mai\" title=\"So s\u00e1nh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i\">So s\u00e1nh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i<\/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-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai\/#Co_nen_mua_bao_hiem_thuong_mai_khong\" title=\"C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng?\">C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng?<\/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-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai\/#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-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai\/#Nguoi_lao_dong_co_the_rut_tien_tu_BHXH_nhu_BHTM_khong\" title=\"Ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 th\u1ec3 r\u00fat ti\u1ec1n t\u1eeb BHXH nh\u01b0 BHTM kh\u00f4ng?\">Ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 th\u1ec3 r\u00fat ti\u1ec1n t\u1eeb BHXH nh\u01b0 BHTM 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-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai\/#BHXH_co_thay_the_duoc_BHTM_khong\" title=\"BHXH c\u00f3 thay th\u1ebf \u0111\u01b0\u1ee3c BHTM kh\u00f4ng?\">BHXH c\u00f3 thay th\u1ebf \u0111\u01b0\u1ee3c BHTM 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-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai\/#Neu_khong_tham_gia_BHXH_mua_BHTM_co_du_khong\" title=\"N\u1ebfu kh\u00f4ng tham gia BHXH, mua BHTM c\u00f3 \u0111\u1ee7 kh\u00f4ng?\">N\u1ebfu kh\u00f4ng tham gia BHXH, mua BHTM c\u00f3 \u0111\u1ee7 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-8\" href=\"https:\/\/baohiemtasco.vn\/blog\/so-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai\/#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=\"Hieu_dung_ve_bao_hiem_xa_hoi_va_bao_hiem_thuong_mai\"><\/span><strong>Hi\u1ec3u \u0111\u00fang v\u1ec1 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (BHXH) l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c do Nh\u00e0 n\u01b0\u1edbc qu\u1ea3n l\u00fd, nh\u1eb1m \u0111\u1ea3m b\u1ea3o an sinh x\u00e3 h\u1ed9i cho ng\u01b0\u1eddi lao \u0111\u1ed9ng th\u00f4ng qua c\u00e1c quy\u1ec1n l\u1ee3i nh\u01b0 h\u01b0u tr\u00ed, thai s\u1ea3n, \u1ed1m \u0111au, th\u1ea5t nghi\u1ec7p v\u00e0 t\u1eed tu\u1ea5t. BHXH \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong Lu\u1eadt BHXH 2014, \u00e1p d\u1ee5ng cho ng\u01b0\u1eddi l\u00e0m vi\u1ec7c theo h\u1ee3p \u0111\u1ed3ng lao \u0111\u1ed9ng ho\u1eb7c t\u1ef1 nguy\u1ec7n tham gia.<\/p>\n<p style=\"text-align: justify;\">B\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i (BHTM) l\u00e0 s\u1ea3n ph\u1ea9m do c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n cung c\u1ea5p, mang t\u00ednh t\u1ef1 nguy\u1ec7n, bao g\u1ed3m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, s\u1ee9c kh\u1ecfe, t\u00e0i s\u1ea3n ho\u1eb7c \u0111\u1ea7u t\u01b0. BHTM t\u1eadp trung v\u00e0o b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 gia t\u0103ng gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n, t\u00f9y thu\u1ed9c v\u00e0o nhu c\u1ea7u v\u00e0 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng. Hi\u1ec3u r\u00f5 hai lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y l\u00e0 n\u1ec1n t\u1ea3ng \u0111\u1ec3 so s\u00e1nh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c.<\/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-thuong-mai\" target=\"_blank\" rel=\"noopener\">B\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i &#8211; \u0110\u1eb7c \u0111i\u1ec3m, l\u1ee3i \u00edch b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/nguyen-tac-the-quyen\" target=\"_blank\" rel=\"noopener\">Nguy\u00ean t\u1eafc th\u1ebf quy\u1ec1n l\u00e0 g\u00ec? Vai tr\u00f2, l\u1ee3i \u00edch trong b\u1ea3o hi\u1ec3m<\/a><\/strong><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"So_sanh_bao_hiem_xa_hoi_va_bao_hiem_thuong_mai\"><\/span><strong>So s\u00e1nh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_5125\" aria-describedby=\"caption-attachment-5125\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5125\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/so-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai-tren-cac-tieu-chi.jpg\" alt=\"So s\u00e1nh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i tr\u00ean c\u00e1c ti\u00eau ch\u00ed\" width=\"600\" height=\"338\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/so-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai-tren-cac-tieu-chi.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/so-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai-tren-cac-tieu-chi-300x169.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/so-sanh-bao-hiem-xa-hoi-va-bao-hiem-thuong-mai-tren-cac-tieu-chi-150x85.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5125\" class=\"wp-caption-text\">So s\u00e1nh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i tr\u00ean c\u00e1c ti\u00eau ch\u00ed<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">\u0110\u1ec3 d\u1ec5 h\u00ecnh dung, b\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y so s\u00e1nh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i d\u1ef1a tr\u00ean c\u00e1c ti\u00eau ch\u00ed quan tr\u1ecdng:<\/p>\n<table>\n<tbody>\n<tr>\n<td>\n<p style=\"text-align: center;\"><strong>Ti\u00eau ch\u00ed<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/strong><\/p>\n<\/td>\n<td>\n<p style=\"text-align: center;\"><strong>B\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i<\/strong><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td><strong>T\u00ednh ch\u1ea5t<\/strong><\/td>\n<td>B\u1eaft bu\u1ed9c (BHXH b\u1eaft bu\u1ed9c) ho\u1eb7c t\u1ef1 nguy\u1ec7n (BHXH t\u1ef1 nguy\u1ec7n), do Nh\u00e0 n\u01b0\u1edbc qu\u1ea3n l\u00fd.<\/td>\n<td>T\u1ef1 nguy\u1ec7n, do c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n cung c\u1ea5p.<\/td>\n<\/tr>\n<tr>\n<td><strong>M\u1ee5c \u0111\u00edch<\/strong><\/td>\n<td>\u0110\u1ea3m b\u1ea3o an sinh x\u00e3 h\u1ed9i, h\u1ed7 tr\u1ee3 c\u01a1 b\u1ea3n khi \u1ed1m \u0111au, h\u01b0u tr\u00ed, th\u1ea5t nghi\u1ec7p.<\/td>\n<td>B\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n, t\u00edch l\u0169y t\u00e0i s\u1ea3n, \u0111\u1ea7u t\u01b0 sinh l\u1eddi.<\/td>\n<\/tr>\n<tr>\n<td><strong>\u0110\u1ed1i t\u01b0\u1ee3ng<\/strong><\/td>\n<td>Ng\u01b0\u1eddi lao \u0111\u1ed9ng, h\u1ecdc sinh, h\u1ed9 gia \u0111\u00ecnh, ng\u01b0\u1eddi h\u01b0\u1edfng l\u01b0\u01a1ng h\u01b0u.<\/td>\n<td>M\u1ecdi c\u00e1 nh\u00e2n ho\u1eb7c t\u1ed5 ch\u1ee9c c\u00f3 nhu c\u1ea7u, kh\u00f4ng gi\u1edbi h\u1ea1n \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee5 th\u1ec3.<\/td>\n<\/tr>\n<tr>\n<td><strong>M\u1ee9c \u0111\u00f3ng<\/strong><\/td>\n<td>25,5% l\u01b0\u01a1ng th\u00e1ng (ng\u01b0\u1eddi lao \u0111\u1ed9ng 8%, doanh nghi\u1ec7p 17,5%), t\u1ed1i \u0111a 36 tri\u1ec7u \u0111\u1ed3ng.<\/td>\n<td>Linh ho\u1ea1t, t\u1eeb v\u00e0i tri\u1ec7u \u0111\u1ebfn h\u00e0ng ch\u1ee5c tri\u1ec7u \u0111\u1ed3ng\/n\u0103m, t\u00f9y g\u00f3i b\u1ea3o hi\u1ec3m.<\/td>\n<\/tr>\n<tr>\n<td><strong>Quy\u1ec1n l\u1ee3i<\/strong><\/td>\n<td>H\u01b0u tr\u00ed, thai s\u1ea3n, \u1ed1m \u0111au, th\u1ea5t nghi\u1ec7p, t\u1eed tu\u1ea5t; m\u1ee9c h\u01b0\u1edfng c\u1ed1 \u0111\u1ecbnh theo l\u01b0\u01a1ng \u0111\u00f3ng.<\/td>\n<td>T\u00f9y h\u1ee3p \u0111\u1ed3ng: chi tr\u1ea3 b\u1ec7nh t\u1eadt, t\u1eed vong, \u0111\u1ea7u t\u01b0; m\u1ee9c h\u01b0\u1edfng cao h\u01a1n, linh ho\u1ea1t h\u01a1n.<\/td>\n<\/tr>\n<tr>\n<td><strong>Th\u1eddi gian h\u01b0\u1edfng<\/strong><\/td>\n<td>D\u00e0i h\u1ea1n (h\u01b0u tr\u00ed su\u1ed1t \u0111\u1eddi) ho\u1eb7c ng\u1eafn h\u1ea1n (thai s\u1ea3n 6 th\u00e1ng).<\/td>\n<td>Ng\u1eafn h\u1ea1n (1-2 n\u0103m) ho\u1eb7c d\u00e0i h\u1ea1n (\u0111\u00e1o h\u1ea1n h\u1ee3p \u0111\u1ed3ng), t\u00f9y s\u1ea3n ph\u1ea9m.<\/td>\n<\/tr>\n<tr>\n<td><strong>T\u00ednh linh ho\u1ea1t<\/strong><\/td>\n<td>\u00cdt linh ho\u1ea1t, kh\u00f4ng r\u00fat ti\u1ec1n tr\u01b0\u1edbc, ch\u1ec9 b\u1ea3o l\u01b0u ho\u1eb7c h\u01b0\u1edfng khi \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n.<\/td>\n<td>Linh ho\u1ea1t, c\u00f3 th\u1ec3 r\u00fat ti\u1ec1n, vay t\u1eeb h\u1ee3p \u0111\u1ed3ng, ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c \u0111\u00f3ng.<\/td>\n<\/tr>\n<tr>\n<td><strong>Qu\u1ea3n l\u00fd<\/strong><\/td>\n<td>C\u01a1 quan BHXH Nh\u00e0 n\u01b0\u1edbc.<\/td>\n<td>C\u00f4ng ty b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n (Prudential, Manulife, AIA&#8230;).<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p style=\"text-align: justify;\">B\u1ea3ng so s\u00e1nh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i n\u00e0y cho th\u1ea5y s\u1ef1 kh\u00e1c bi\u1ec7t r\u00f5 r\u00e0ng v\u1ec1 m\u1ee5c ti\u00eau, quy\u1ec1n l\u1ee3i v\u00e0 t\u00ednh linh ho\u1ea1t, gi\u00fap b\u1ea1n c\u00e2n nh\u1eafc l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Co_nen_mua_bao_hiem_thuong_mai_khong\"><\/span><strong>C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_5127\" aria-describedby=\"caption-attachment-5127\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-5127\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/neu-da-tham-gia-bao-hiem-xa-hoi-co-nen-mua-bao-hiem-thuong-mai-hay-khong.jpg\" alt=\"N\u1ebfu \u0111\u00e3 tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i c\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng\" width=\"600\" height=\"400\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/neu-da-tham-gia-bao-hiem-xa-hoi-co-nen-mua-bao-hiem-thuong-mai-hay-khong.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/neu-da-tham-gia-bao-hiem-xa-hoi-co-nen-mua-bao-hiem-thuong-mai-hay-khong-300x200.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2025\/05\/neu-da-tham-gia-bao-hiem-xa-hoi-co-nen-mua-bao-hiem-thuong-mai-hay-khong-150x100.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-5127\" class=\"wp-caption-text\">N\u1ebfu \u0111\u00e3 tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i c\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i kh\u00f4ng<\/figcaption><\/figure>\n<p style=\"text-align: justify;\">Vi\u1ec7c k\u1ebft h\u1ee3p BHXH v\u00e0 BHTM ph\u1ee5 thu\u1ed9c v\u00e0o nhu c\u1ea7u v\u00e0 kh\u1ea3 n\u0103ng t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 ph\u00e2n t\u00edch \u0111\u1ec3 b\u1ea1n quy\u1ebft \u0111\u1ecbnh:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>L\u1ee3i \u00edch b\u1ed5 sung:<\/strong> BHXH cung c\u1ea5p quy\u1ec1n l\u1ee3i c\u01a1 b\u1ea3n (h\u01b0u tr\u00ed, thai s\u1ea3n), nh\u01b0ng m\u1ee9c h\u01b0\u1edfng gi\u1edbi h\u1ea1n (t\u1ed1i \u0111a 75% l\u01b0\u01a1ng \u0111\u00f3ng cho h\u01b0u tr\u00ed). BHTM b\u1ed5 sung b\u1ea3o v\u1ec7 n\u00e2ng cao nh\u01b0 chi tr\u1ea3 b\u1ec7nh hi\u1ec3m ngh\u00e8o, vi\u1ec7n ph\u00ed b\u1ec7nh vi\u1ec7n qu\u1ed1c t\u1ebf, ho\u1eb7c t\u00edch l\u0169y \u0111\u1ea7u t\u01b0, v\u01b0\u1ee3t xa m\u1ee9c c\u01a1 b\u1ea3n c\u1ee7a BHXH.<\/li>\n<li aria-level=\"1\"><strong>Ph\u1ea1m vi b\u1ea3o v\u1ec7:<\/strong> BHXH kh\u00f4ng chi tr\u1ea3 d\u1ecbch v\u1ee5 y t\u1ebf cao c\u1ea5p ho\u1eb7c b\u1ea3o v\u1ec7 t\u00e0i s\u1ea3n, trong khi BHTM c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng nh\u1eefng nhu c\u1ea7u n\u00e0y, \u0111\u1eb7c bi\u1ec7t n\u1ebfu b\u1ea1n mu\u1ed1n ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe t\u1ed1t h\u01a1n ho\u1eb7c \u0111\u1ea7u t\u01b0 sinh l\u1eddi.<\/li>\n<li aria-level=\"1\"><strong>T\u00e0i ch\u00ednh c\u00e1 nh\u00e2n:<\/strong> N\u1ebfu thu nh\u1eadp \u1ed5n \u0111\u1ecbnh (tr\u00ean 20 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng), b\u1ea1n c\u00f3 th\u1ec3 d\u00e0nh 10-15% cho BHTM (2-3 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng) b\u00ean c\u1ea1nh BHXH \u0111\u1ec3 t\u0103ng b\u1ea3o v\u1ec7. V\u1edbi thu nh\u1eadp th\u1ea5p, \u01b0u ti\u00ean BHXH l\u00e0 \u0111\u1ee7.<\/li>\n<li aria-level=\"1\"><strong>V\u00ed d\u1ee5 th\u1ef1c t\u1ebf:<\/strong> M\u1ed9t ng\u01b0\u1eddi 40 tu\u1ed5i \u0111\u00f3ng BHXH 10 n\u0103m, h\u01b0\u1edfng h\u01b0u tr\u00ed 2 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng sau n\u00e0y. Th\u00eam BHTM, h\u1ecd c\u00f3 th\u1ec3 nh\u1eadn 500 tri\u1ec7u \u0111\u1ed3ng n\u1ebfu m\u1eafc b\u1ec7nh hi\u1ec3m ngh\u00e8o, \u0111\u1ea3m b\u1ea3o t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">So s\u00e1nh b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i cho th\u1ea5y k\u1ebft h\u1ee3p c\u1ea3 hai l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1i \u01b0u n\u1ebfu b\u1ea1n mu\u1ed1n b\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n v\u00e0 gia t\u0103ng t\u00e0i s\u1ea3n.<\/p>\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\/cac-goi-bao-hiem-nhan-tho\" target=\"_blank\" rel=\"noopener\">C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u01a1 b\u1ea3n t\u1ea1i Vi\u1ec7t Nam n\u0103m 2026<\/a><\/strong><\/li>\n<li><strong><a href=\"https:\/\/baohiemtasco.vn\/blog\/cac-loai-hinh-bao-hiem\" target=\"_blank\" rel=\"noopener\">C\u00e1c lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1ch ph\u00e2n lo\u1ea1i c\u01a1 b\u1ea3n<\/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=\"Nguoi_lao_dong_co_the_rut_tien_tu_BHXH_nhu_BHTM_khong\"><\/span><strong>Ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 th\u1ec3 r\u00fat ti\u1ec1n t\u1eeb BHXH nh\u01b0 BHTM kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng, BHXH ch\u1ec9 r\u00fat m\u1ed9t l\u1ea7n khi ngh\u1ec9 vi\u1ec7c \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n, kh\u00f4ng linh ho\u1ea1t nh\u01b0 BHTM (r\u00fat ti\u1ec1n, vay t\u1eeb h\u1ee3p \u0111\u1ed3ng).<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"BHXH_co_thay_the_duoc_BHTM_khong\"><\/span><strong>BHXH c\u00f3 thay th\u1ebf \u0111\u01b0\u1ee3c BHTM kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">Kh\u00f4ng ho\u00e0n to\u00e0n, BHXH ch\u1ec9 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u01a1 b\u1ea3n, trong khi BHTM b\u1ed5 sung b\u1ea3o v\u1ec7 n\u00e2ng cao v\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Neu_khong_tham_gia_BHXH_mua_BHTM_co_du_khong\"><\/span><strong>N\u1ebfu kh\u00f4ng tham gia BHXH, mua BHTM c\u00f3 \u0111\u1ee7 kh\u00f4ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">BHTM kh\u00f4ng thay th\u1ebf \u0111\u01b0\u1ee3c BHXH v\u1ec1 h\u01b0u tr\u00ed d\u00e0i h\u1ea1n, nh\u01b0ng c\u00f3 th\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u b\u1ea3o v\u1ec7 ng\u1eafn h\u1ea1n n\u1ebfu b\u1ea1n kh\u00f4ng thu\u1ed9c di\u1ec7n b\u1eaft bu\u1ed9c.<\/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;\">Hy v\u1ecdng v\u1edbi nh\u1eefng th\u00f4ng tin B\u1ea3o hi\u1ec3m Tasco cung c\u1ea5p tr\u00ean \u0111\u00e2y, b\u1ea1n \u0111\u1ecdc \u0111\u00e3 c\u00f3 \u0111\u01b0\u1ee3c c\u00e1i nh\u00ecn r\u00f5 n\u00e9t gi\u1eefa <span style=\"text-decoration: underline;\">b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i<\/span>, t\u1eeb \u0111\u00f3 gi\u00fap ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 ng\u01b0\u1eddi d\u00e2n ch\u1ee7 \u0111\u1ed9ng l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng \u00e1n b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p. M\u1ecdi b\u0103n kho\u0103n v\u1ec1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m, vui l\u00f2ng \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 s\u1edbm nh\u1ea5t.<\/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>Trong cu\u1ed9c s\u1ed1ng hi\u1ec7n \u0111\u1ea1i, b\u1ea3o hi\u1ec3m \u0111\u00e3 tr\u1edf th\u00e0nh gi\u1ea3i ph\u00e1p t\u00e0i ch\u00ednh c\u1ea7n thi\u1ebft gi\u00fap ng\u01b0\u1eddi d\u00e2n gi\u1ea3m thi\u1ec3u r\u1ee7i ro v\u00e0 \u1ed5n \u0111\u1ecbnh cu\u1ed9c s\u1ed1ng. Tuy nhi\u00ean, kh\u00f4ng \u00edt ng\u01b0\u1eddi v\u1eabn nh\u1ea7m l\u1eabn ho\u1eb7c ch\u01b0a hi\u1ec3u r\u00f5 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i. Vi\u1ec7c n\u1eafm [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":5129,"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-5123","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\/5123","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=5123"}],"version-history":[{"count":3,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5123\/revisions"}],"predecessor-version":[{"id":5181,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/5123\/revisions\/5181"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/5129"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=5123"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=5123"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=5123"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}