{"id":597,"date":"2025-05-20T16:02:45","date_gmt":"2025-05-20T09:02:45","guid":{"rendered":"https:\/\/blog.baohiemtasco.vn\/?p=597"},"modified":"2025-03-19T15:40:29","modified_gmt":"2025-03-19T08:40:29","slug":"ty-le-phi-bao-hiem-la-gi","status":"publish","type":"post","link":"https:\/\/baohiemtasco.vn\/blog\/ty-le-phi-bao-hiem-la-gi","title":{"rendered":"T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? Gi\u1ea3i th\u00edch v\u00e0 c\u00f4ng th\u1ee9c t\u00ednh chu\u1ea9n x\u00e1c nh\u1ea5t"},"content":{"rendered":"<p style=\"text-align: justify;\"><em><a href=\"https:\/\/baohiemtasco.vn\/blog\/ty-le-phi-bao-hiem-la-gi\" target=\"_blank\" rel=\"noopener\"><strong>T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec<\/strong><\/a>? Hi\u1ec3u c\u01a1 b\u1ea3n th\u00ec \u0111\u00e2y l\u00e0 t\u1ef7 l\u1ec7 gi\u1eefa kho\u1ea3n ph\u00ed m\u00e0 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u00f3ng so v\u1edbi s\u1ed1 ti\u1ec1n h\u1ecd nh\u1eadn b\u1ed3i th\u01b0\u1eddng n\u1ebfu x\u1ea3y ra s\u1ef1 c\u1ed1. V\u1eady l\u00e0m sao \u0111\u1ec3 t\u00ednh \u0111\u01b0\u1ee3c t\u1ec9 l\u1ec7 n\u00e0y? H\u00e3y \u00e1p d\u1ee5ng c\u00f4ng th\u1ee9c chu\u1ea9n x\u00e1c \u0111\u01b0\u1ee3c chia s\u1ebb \u1edf n\u1ed9i dung b\u00e0i vi\u1ebft.\u00a0<\/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\/ty-le-phi-bao-hiem-la-gi\/#Ty_le_phi_bao_hiem_la_gi\" title=\"T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?\">T\u1ef7 l\u1ec7 ph\u00ed 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\/ty-le-phi-bao-hiem-la-gi\/#Cach_de_tinh_ty_le_phi_bao_hiem_theo_cong_thuc\" title=\"C\u00e1ch \u0111\u1ec3 t\u00ednh t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m theo c\u00f4ng th\u1ee9c\">C\u00e1ch \u0111\u1ec3 t\u00ednh t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m theo c\u00f4ng th\u1ee9c<\/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\/ty-le-phi-bao-hiem-la-gi\/#Ty_le_phi_bao_hiem_thay_doi_do_anh_huong_tu_nhieu_yeu_to\" title=\"T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m thay \u0111\u1ed5i do \u1ea3nh h\u01b0\u1edfng t\u1eeb nhi\u1ec1u y\u1ebfu t\u1ed1\">T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m thay \u0111\u1ed5i do \u1ea3nh h\u01b0\u1edfng t\u1eeb nhi\u1ec1u y\u1ebfu t\u1ed1<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/baohiemtasco.vn\/blog\/ty-le-phi-bao-hiem-la-gi\/#Muc_do_rui_ro_cao_hay_thap_cua_doi_tuong_bao_hiem\" title=\"M\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao hay th\u1ea5p c\u1ee7a \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m\">M\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao hay th\u1ea5p c\u1ee7a \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/baohiemtasco.vn\/blog\/ty-le-phi-bao-hiem-la-gi\/#Loai_bao_hiem\" title=\"Lo\u1ea1i b\u1ea3o hi\u1ec3m\">Lo\u1ea1i b\u1ea3o hi\u1ec3m<\/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\/ty-le-phi-bao-hiem-la-gi\/#Lich_su_cua_nguoi_mua_bao_hiem\" title=\"L\u1ecbch s\u1eed c\u1ee7a ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m\">L\u1ecbch s\u1eed c\u1ee7a ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m<\/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\/ty-le-phi-bao-hiem-la-gi\/#Theo_quy_dinh_moi_cua_phap_luat_hoac_cap_nhap_thi_truong\" title=\"Theo quy \u0111\u1ecbnh m\u1edbi c\u1ee7a ph\u00e1p lu\u1eadt ho\u1eb7c c\u1eadp nh\u1eadp th\u1ecb tr\u01b0\u1eddng\">Theo quy \u0111\u1ecbnh m\u1edbi c\u1ee7a ph\u00e1p lu\u1eadt ho\u1eb7c c\u1eadp nh\u1eadp th\u1ecb tr\u01b0\u1eddng<\/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\/ty-le-phi-bao-hiem-la-gi\/#Tai_sao_can_hieu_ro_ty_le_phi_bao_hiem_la_gi\" title=\"T\u1ea1i sao c\u1ea7n hi\u1ec3u r\u00f5 t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?\">T\u1ea1i sao c\u1ea7n hi\u1ec3u r\u00f5 t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/a><\/li><\/ul><\/nav><\/div>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Ty_le_phi_bao_hiem_la_gi\"><\/span><strong>T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m c\u1ed1t l\u00f5i trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m. Con s\u1ed1 n\u00e0y th\u1ec3 hi\u1ec7n t\u1ef7 l\u1ec7 gi\u1eefa kho\u1ea3n ph\u00ed m\u00e0 b\u1ea1n ph\u1ea3i \u0111\u00f3ng v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m m\u00e0 doanh nghi\u1ec7p s\u1ebd chi tr\u1ea3 khi b\u1ea1n x\u1ea3y ra s\u1ef1 c\u1ed1. T\u1ef7 l\u1ec7 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u1ee7a \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c li\u00ean quan.<\/p>\n<p><em><strong>B\u1ed5 sung th\u00f4ng tin t\u1ea1i:<\/strong><\/em><\/p>\n<ul>\n<li><a href=\"https:\/\/baohiemtasco.vn\/blog\/pham-vi-bao-hiem-la-gi\" target=\"_blank\" rel=\"noopener\"><strong>Ph\u1ea1m vi b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? T\u00ecm hi\u1ec3u th\u00f4ng tin chi ti\u1ebft<\/strong><\/a><\/li>\n<li><a href=\"https:\/\/baohiemtasco.vn\/blog\/muc-khau-tru-bao-hiem-la-gi\" target=\"_blank\" rel=\"noopener\"><strong>M\u1ee9c kh\u1ea5u tr\u1eeb b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? \u00c1p d\u1ee5ng trong tr\u01b0\u1eddng h\u1ee3p n\u00e0o?<\/strong><\/a><\/li>\n<\/ul>\n<figure id=\"attachment_598\" aria-describedby=\"caption-attachment-598\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-598 size-full\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/09\/ty-le-phi-bao-hiem-chinh-la-con-so-ban-can-phai-dong-va-cung-la-con-so-ma-doanh-nghiep-se-chi-tra.jpg\" alt=\"T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m ch\u00ednh l\u00e0 con s\u1ed1 b\u1ea1n c\u1ea7n ph\u1ea3i \u0111\u00f3ng v\u00e0 c\u0169ng l\u00e0 con s\u1ed1 m\u00e0 doanh nghi\u1ec7p s\u1ebd chi tr\u1ea3\" width=\"600\" height=\"450\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/09\/ty-le-phi-bao-hiem-chinh-la-con-so-ban-can-phai-dong-va-cung-la-con-so-ma-doanh-nghiep-se-chi-tra.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/09\/ty-le-phi-bao-hiem-chinh-la-con-so-ban-can-phai-dong-va-cung-la-con-so-ma-doanh-nghiep-se-chi-tra-300x225.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/09\/ty-le-phi-bao-hiem-chinh-la-con-so-ban-can-phai-dong-va-cung-la-con-so-ma-doanh-nghiep-se-chi-tra-150x113.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-598\" class=\"wp-caption-text\"><center>T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m ch\u00ednh l\u00e0 con s\u1ed1 b\u1ea1n c\u1ea7n ph\u1ea3i \u0111\u00f3ng v\u00e0 c\u0169ng l\u00e0 con s\u1ed1 m\u00e0 doanh nghi\u1ec7p s\u1ebd chi tr\u1ea3<\/center><\/figcaption><\/figure>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Cach_de_tinh_ty_le_phi_bao_hiem_theo_cong_thuc\"><\/span><strong>C\u00e1ch \u0111\u1ec3 t\u00ednh t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m theo c\u00f4ng th\u1ee9c<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p style=\"text-align: justify;\">\u0110\u1ec3 t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m hay t\u1ef7 l\u1ec7 th\u00ec b\u1ea1n ph\u1ea3i d\u1ef1a theo c\u00f4ng th\u1ee9c. Hi\u1ec7n nay h\u1ea7u h\u1ebft c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m \u0111ang t\u00ednh theo c\u00e1ch: T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m = Ph\u00ed b\u1ea3o hi\u1ec3m : S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/p>\n<p style=\"text-align: justify;\"><strong>Trong \u0111\u00f3:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\"><strong>Ph\u00ed b\u1ea3o hi\u1ec3m:<\/strong> L\u00e0 kho\u1ea3n ti\u1ec1n m\u00e0 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u00f3ng cho doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 theo c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng.<\/li>\n<li aria-level=\"1\"><strong>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m (M\u1ec7nh gi\u00e1 b\u1ea3o hi\u1ec3m):<\/strong> \u0110\u00e2y l\u00e0 kho\u1ea3n ti\u1ec1n m\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m cam k\u1ebft chi tr\u1ea3 cho ng\u01b0\u1eddi mua khi x\u1ea3y ra s\u1ef1 c\u1ed1 li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">Ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 t\u1ec9 l\u1ec7 thu\u1eadn v\u1edbi nhau, khi ph\u00ed t\u0103ng th\u00ec s\u1ed1 ti\u1ec1n c\u0169ng s\u1ebd t\u0103ng theo v\u00e0 ng\u01b0\u1ee3c l\u1ea1i. Ngh\u0129a l\u00e0 t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd thay \u0111\u1ed5i d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 m\u00e0 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m mong mu\u1ed1n.<\/p>\n<p style=\"text-align: justify;\">\u0110\u1ec3 b\u1ea1n hi\u1ec3u chi ti\u1ebft h\u01a1n th\u00ec h\u00e3y \u0111\u1ecdc v\u00ed d\u1ee5 minh h\u1ecda. Gi\u1ea3 s\u1eed b\u1ea1n mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u1edbi s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m l\u00e0 500 tri\u1ec7u \u0111\u1ed3ng. M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng n\u0103m b\u1ea1n ph\u1ea3i \u0111\u00f3ng l\u00e0 10 tri\u1ec7u \u0111\u1ed3ng. Khi \u0111\u00f3, t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh nh\u01b0 sau:<\/p>\n<ul style=\"text-align: justify;\">\n<li aria-level=\"1\">T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m = 10.000.000 VND : 500.000.000 VN\u0110 = 0,02 (hay 2%).<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">\u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n \u0111ang \u0111\u00f3ng m\u1ed9t kho\u1ea3n ph\u00ed b\u1ea3o hi\u1ec3m chi\u1ebfm 2% so v\u1edbi s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c sau n\u00e0y.<\/p>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Ty_le_phi_bao_hiem_thay_doi_do_anh_huong_tu_nhieu_yeu_to\"><\/span><strong>T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m thay \u0111\u1ed5i do \u1ea3nh h\u01b0\u1edfng t\u1eeb nhi\u1ec1u y\u1ebfu t\u1ed1<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_599\" aria-describedby=\"caption-attachment-599\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-599 size-full\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/09\/rat-nhieu-yeu-to-khac-nhau-anh-huong-den-ty-le-phi-bao-hiem.jpg\" alt=\"R\u1ea5t nhi\u1ec1u y\u1ebfu t\u1ed1 kh\u00e1c nhau \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m\" width=\"600\" height=\"450\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/09\/rat-nhieu-yeu-to-khac-nhau-anh-huong-den-ty-le-phi-bao-hiem.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/09\/rat-nhieu-yeu-to-khac-nhau-anh-huong-den-ty-le-phi-bao-hiem-300x225.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/09\/rat-nhieu-yeu-to-khac-nhau-anh-huong-den-ty-le-phi-bao-hiem-150x113.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-599\" class=\"wp-caption-text\"><center>R\u1ea5t nhi\u1ec1u y\u1ebfu t\u1ed1 kh\u00e1c nhau \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m<\/center><\/figcaption><\/figure>\n<p style=\"text-align: justify;\"><em>T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m<\/em> kh\u00f4ng c\u1ed1 \u0111\u1ecbnh m\u00e0 thay \u0111\u1ed5i d\u1ef1a theo nhi\u1ec1u y\u1ebfu t\u1ed1 kh\u00e1c nhau, \u0111i\u1ec3n h\u00ecnh nh\u01b0:<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Muc_do_rui_ro_cao_hay_thap_cua_doi_tuong_bao_hiem\"><\/span><strong>M\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao hay th\u1ea5p c\u1ee7a \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao h\u01a1n th\u01b0\u1eddng c\u00f3 t\u1ef7 l\u1ec7 ph\u00ed cao h\u01a1n. V\u00ed d\u1ee5, <strong><a href=\"https:\/\/baohiemtasco.vn\/bao-hiem-xe-co-gioi\" target=\"_blank\" rel=\"noopener\">b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4<\/a><\/strong> h\u1ea1ng sang s\u1ebd c\u00f3 t\u1ef7 l\u1ec7 ph\u00ed cao h\u01a1n so v\u1edbi xe ph\u1ed5 th\u00f4ng. \u0110\u01a1n gi\u1ea3n l\u00e0 do gi\u00e1 tr\u1ecb v\u00e0 chi ph\u00ed s\u1eeda ch\u1eefa xe sang cao h\u01a1n.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Loai_bao_hiem\"><\/span><strong>Lo\u1ea1i b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">T\u1ef7 l\u1ec7 ph\u00ed c\u1ee7a c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m kh\u00e1c nhau s\u1ebd c\u00f3 c\u00e1ch t\u00ednh kh\u00e1c nhau. V\u00ed d\u1ee5 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 t\u1ef7 l\u1ec7 kh\u00e1c v\u1edbi b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n ho\u1eb7c b\u1ea3o hi\u1ec3m y t\u1ebf. C\u00e1ch t\u00ednh ph\u00ed ri\u00eang bi\u1ec7t ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1eb7c th\u00f9 c\u1ee7a t\u1eebng lo\u1ea1i b\u1ea3o hi\u1ec3m.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Lich_su_cua_nguoi_mua_bao_hiem\"><\/span><strong>L\u1ecbch s\u1eed c\u1ee7a ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">N\u1ebfu kh\u00e1ch h\u00e0ng l\u00e0 ng\u01b0\u1eddi c\u00f3 l\u1ecbch s\u1eed y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng nhi\u1ec1u l\u1ea7n th\u00ec th\u01b0\u1eddng b\u1ecb t\u00ednh t\u1ef7 l\u1ec7 ph\u00ed cao h\u01a1n. B\u1ea1n h\u00e3y li\u00ean h\u1ec7 v\u1edbi t\u01b0 v\u1ea5n vi\u00ean c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n k\u1ef9 h\u01a1n v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y.<\/p>\n<h3 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Theo_quy_dinh_moi_cua_phap_luat_hoac_cap_nhap_thi_truong\"><\/span><strong>Theo quy \u0111\u1ecbnh m\u1edbi c\u1ee7a ph\u00e1p lu\u1eadt ho\u1eb7c c\u1eadp nh\u1eadp th\u1ecb tr\u01b0\u1eddng<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p style=\"text-align: justify;\">T\u1ef7 l\u1ec7 b\u1ea3o hi\u1ec3m s\u1ebd thay \u0111\u1ed5i t\u00f9y thu\u1ed9c v\u00e0o th\u1ecb tr\u01b0\u1eddng ho\u1eb7c quy \u0111\u1ecbnh, ngh\u1ecb \u0111\u1ecbnh c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc. Tuy nhi\u00ean th\u01b0\u1eddng ph\u1ea3i tr\u1ea3i qua th\u1eddi gian d\u00e0i m\u1edbi c\u00f3 bi\u1ebfn \u0111\u1ed9ng.<\/p>\n<p><em><strong>Tham kh\u1ea3o th\u00eam th\u00f4ng tin:<\/strong><\/em><\/p>\n<ul>\n<li><a href=\"https:\/\/baohiemtasco.vn\/blog\/mua-bao-hiem-o-dau-tot\" target=\"_blank\" rel=\"noopener\"><strong>Mua b\u1ea3o hi\u1ec3m \u1edf \u0111\u00e2u t\u1ed1t v\u1edbi d\u1ecbch v\u1ee5 t\u1ed1t nh\u1ea5t hi\u1ec7n nay?<\/strong><\/a><\/li>\n<li><a href=\"https:\/\/baohiemtasco.vn\/blog\/dong-chi-tra-bao-hiem-la-gi\" target=\"_blank\" rel=\"noopener\"><strong>\u0110\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? H\u01b0\u1edbng d\u1eabn c\u00e1ch t\u00ednh ch\u00ednh x\u00e1c<\/strong><\/a><\/li>\n<\/ul>\n<h2 style=\"text-align: justify;\"><span class=\"ez-toc-section\" id=\"Tai_sao_can_hieu_ro_ty_le_phi_bao_hiem_la_gi\"><\/span><strong>T\u1ea1i sao c\u1ea7n hi\u1ec3u r\u00f5 t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<figure id=\"attachment_600\" aria-describedby=\"caption-attachment-600\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"wp-image-600 size-full\" src=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/09\/nguoi-tham-gia-bao-hiem-can-phai-hieu-ro-ve-ty-le-phi-bao-hiem.jpg\" alt=\"Ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m c\u1ea7n ph\u1ea3i hi\u1ec3u r\u00f5 v\u1ec1 t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m\" width=\"600\" height=\"450\" title=\"\" srcset=\"https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/09\/nguoi-tham-gia-bao-hiem-can-phai-hieu-ro-ve-ty-le-phi-bao-hiem.jpg 600w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/09\/nguoi-tham-gia-bao-hiem-can-phai-hieu-ro-ve-ty-le-phi-bao-hiem-300x225.jpg 300w, https:\/\/baohiemtasco.vn\/blog\/wp-content\/uploads\/2024\/09\/nguoi-tham-gia-bao-hiem-can-phai-hieu-ro-ve-ty-le-phi-bao-hiem-150x113.jpg 150w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><figcaption id=\"caption-attachment-600\" class=\"wp-caption-text\"><center>Ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m c\u1ea7n ph\u1ea3i hi\u1ec3u r\u00f5 v\u1ec1 t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m<\/center><\/figcaption><\/figure>\n<p style=\"text-align: justify;\">T\u1ea1i sao b\u1ea1n c\u1ea7n ph\u1ea3i hi\u1ec3u r\u00f5 t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? V\u00ec vi\u1ec7c hi\u1ec3u \u0111\u00fang v\u00e0 n\u1eafm r\u00f5 v\u1ec1 con s\u1ed1 n\u00e0y s\u1ebd gi\u00fap b\u1ea1n ch\u1ecdn l\u1ef1a \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p. B\u1ea1n s\u1ebd d\u1ec5 d\u00e0ng so s\u00e1nh c\u00e1c g\u00f3i s\u1ea3n ph\u1ea9m v\u00e0 l\u1ef1a ch\u1ecdn ra g\u00f3i b\u1ea3o hi\u1ec3m t\u1ed1i \u01b0u nh\u1ea5t d\u00e0nh cho m\u00ecnh v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd. \u0110\u1ed3ng th\u1eddi b\u1ea1n c\u0169ng s\u1ebd hi\u1ec3u \u0111\u01b0\u1ee3c m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u0169ng nh\u01b0 quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh th\u00f4ng qua c\u00e1c con s\u1ed1 r\u00f5 r\u00e0ng.<\/p>\n<p style=\"text-align: justify;\">Nh\u01b0 v\u1eady qua b\u00e0i vi\u1ebft b\u1ea1n \u0111\u00e3 bi\u1ebft \u0111\u01b0\u1ee3c <span style=\"text-decoration: underline;\">t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec<\/span>? N\u1ebfu b\u1ea1n c\u1ea7n t\u01b0 v\u1ea5n chi ti\u1ebft h\u01a1n v\u1ec1 t\u1ef7 l\u1ec7 ph\u00ed hay m\u1ee9c b\u1ea3o hi\u1ec3m, h\u00e3y li\u00ean h\u1ec7 v\u1edbi <a href=\"https:\/\/baohiemtasco.vn\" target=\"_blank\" rel=\"noopener\"><strong>B\u1ea3o Hi\u1ec3m Tasco<\/strong><\/a> &#8211; m\u1ed9t th\u01b0\u01a1ng hi\u1ec7u tin c\u1eady trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m cam k\u1ebft mang l\u1ea1i cho kh\u00e1ch h\u00e0ng c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m \u0111a d\u1ea1ng v\u1edbi d\u1ecbch v\u1ee5 chuy\u00ean nghi\u1ec7p.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? Hi\u1ec3u c\u01a1 b\u1ea3n th\u00ec \u0111\u00e2y l\u00e0 t\u1ef7 l\u1ec7 gi\u1eefa kho\u1ea3n ph\u00ed m\u00e0 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u00f3ng so v\u1edbi s\u1ed1 ti\u1ec1n h\u1ecd nh\u1eadn b\u1ed3i th\u01b0\u1eddng n\u1ebfu x\u1ea3y ra s\u1ef1 c\u1ed1. V\u1eady l\u00e0m sao \u0111\u1ec3 t\u00ednh \u0111\u01b0\u1ee3c t\u1ec9 l\u1ec7 n\u00e0y? H\u00e3y \u00e1p d\u1ee5ng c\u00f4ng th\u1ee9c chu\u1ea9n x\u00e1c \u0111\u01b0\u1ee3c [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":939,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_lock_modified_date":false,"footnotes":""},"categories":[7,9],"tags":[],"class_list":{"0":"post-597","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-bao-hiem-xe","8":"category-tu-van-phap-luat"},"_links":{"self":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/597","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=597"}],"version-history":[{"count":10,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/597\/revisions"}],"predecessor-version":[{"id":1802,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/posts\/597\/revisions\/1802"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media\/939"}],"wp:attachment":[{"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/media?parent=597"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/categories?post=597"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baohiemtasco.vn\/blog\/wp-json\/wp\/v2\/tags?post=597"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}