{"id":171,"date":"2018-01-31T14:15:56","date_gmt":"2018-01-31T07:15:56","guid":{"rendered":"http:\/\/baohiemtoiyeu.com\/?p=171"},"modified":"2018-01-31T14:31:59","modified_gmt":"2018-01-31T07:31:59","slug":"bao-hiem-xa-hoi-va-bao-hiem-nhan-tho","status":"publish","type":"post","link":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/?p=171","title":{"rendered":"B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i v\u00e0 B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd"},"content":{"rendered":"<div id=\"toc_container\" class=\"toc_wrap_right toc_light_blue no_bullets\"><p class=\"toc_title\">N\u1ed9i dung ch&iacute;nh<\/p><ul class=\"toc_list\"><li><a href=\"#Thuc_chat_bao_hiem_cuc_ky_de_hieu\"><span class=\"toc_number toc_depth_1\">1<\/span> Th\u1ef1c ch\u1ea5t, b\u1ea3o hi\u1ec3m c\u1ef1c k\u1ef3 d\u1ec5 hi\u1ec3u<\/a><\/li><li><a href=\"#Ban_chat_cua_Bao_hiem_xa_hoi\"><span class=\"toc_number toc_depth_1\">2<\/span> B\u1ea3n ch\u1ea5t c\u1ee7a B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/a><\/li><li><a href=\"#Thuc_chat_bao_hiem_nhan_tho\"><span class=\"toc_number toc_depth_1\">3<\/span> Th\u1ef1c ch\u1ea5t b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/a><\/li><li><a href=\"#So_sanh_bao_hiem_nhan_tho_va_bao_hiem_xa_hoi\"><span class=\"toc_number toc_depth_1\">4<\/span> So s\u00e1nh b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/a><\/li><\/ul><\/div>\n<h2><span id=\"Thuc_chat_bao_hiem_cuc_ky_de_hieu\"><span id=\"Thuc_chat_bao_hiem_cuc_ky_de_hieu\">Th\u1ef1c ch\u1ea5t, b\u1ea3o hi\u1ec3m c\u1ef1c k\u1ef3 d\u1ec5 hi\u1ec3u<\/span><\/span><\/h2>\n<p><strong>C\u00f4ng ty\/ C\u01a1 quan<\/strong>\u00a0\u0111\u1ee9ng ra thu ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m\u00a0<strong>chi tr\u1ea3 Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m<\/strong>\u00a0khi nh\u1eefng\u00a0<strong>S\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m x\u1ea3y ra<\/strong>.<\/p>\n<p>T\u00f9y v\u00e0o\u00a0<strong>t\u1ec9 l\u1ec7 g\u1eb7p r\u1ee7i ro<\/strong>\u00a0c\u1ee7a t\u1eebng c\u00e1 nh\u00e2n, v\u00e0 t\u00f9y thu\u1ed9c v\u00e0o\u00a0<strong>m\u1ee9c chi tr\u1ea3\/ \u0111\u1ec1n b\u00f9<\/strong>\u00a0s\u1ebd t\u00ednh \u0111\u01b0\u1ee3c ra\u00a0<strong>ph\u00ed b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u00f3ng<\/strong>\u00a0(th\u01b0\u1eddng l\u00e0 \u0111\u00f3ng theo n\u0103m). V\u1eady ch\u1ec9 c\u1ea7n kh\u00e1ch h\u00e0ng\u00a0<strong>\u0111\u00f3ng ph\u00ed \u0111\u1ee7 nh\u01b0 y\u00eau c\u1ea7u<\/strong>, s\u1ebd c\u00f3<strong>\u00a0quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m \u0111\u1ec1n b\u00f9<\/strong>\u00a0khi r\u1ee7i ro x\u1ea3y ra.<\/p>\n<ol>\n<li><strong>C\u00f4ng ty\/ C\u01a1 quan thu ti\u1ec1n b\u1ea3o hi\u1ec3m<\/strong>: L\u00e0 c\u01a1 quan ch\u00ednh ph\u1ee7, ho\u1eb7c c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, ho\u1eb7c c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ed1n nh\u00e0 n\u01b0\u1edbc.<\/li>\n<li><strong>Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m<\/strong>: Chi tr\u1ea3 1 s\u1ed1 ti\u1ec1n khi\u00a0<strong>s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m<\/strong>\u00a0x\u1ea3y ra. Bao nhi\u00eau ti\u1ec1n t\u00f9y thu\u1ed9c v\u00e0o s\u1ef1 l\u1ef1a ch\u1ecdn c\u1ee7a kh\u00e1ch h\u00e0ng khi mua.<\/li>\n<li><strong>S\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m l\u00e0 nh\u1eefng r\u1ee7i ro \u0111\u01b0\u1ee3c \u0111\u1ec1n b\u00f9<\/strong>: N\u1eb1m vi\u1ec7n, Kh\u00e1m-ch\u1eefa b\u1ec7nh, T\u1eed vong, B\u1ec7nh hi\u1ec3m ngh\u00e8o, Ph\u1eabu thu\u1eadt, Tai n\u1ea1n (v\u1edbi b\u1ea3o hi\u1ec3m con ng\u01b0\u1eddi).<\/li>\n<li><strong>Ph\u00ed b\u1ea3o hi\u1ec3m<\/strong>\u00a0c\u1ee7a t\u1eebng lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean C\u00f4ng th\u1ee9c do t\u1eebng b\u00ean \u0111\u1ec1 ra, v\u00e0 ph\u1ea3i \u0111\u01b0\u1ee3c s\u1ef1 cho ph\u00e9p c\u1ee7a B\u1ed9 t\u00e0i ch\u00ednh r\u1ed3i m\u1edbi \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng v\u00e0o kinh doanh.<\/li>\n<\/ol>\n<blockquote><p>V\u1edbi b\u1ea5t k\u1ef3 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m n\u00e0o \u2013 c\u00e0ng \u0111\u00f4ng ng\u01b0\u1eddi tham gia, n\u1ed9p ti\u1ec1n v\u00e0o th\u00ec lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m \u0111\u00f3 s\u1ebd ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd. N\u1ebfu ngu\u1ed3n chi (tr\u1ea3 quy\u1ec1n l\u1ee3i) l\u1ea1i L\u1edaN H\u01a0N ngu\u1ed3n thu (t\u1eeb ph\u00ed b\u1ea3o hi\u1ec3m thu v\u1ec1) th\u00ec Qu\u1ef9 b\u1ea3o hi\u1ec3m c\u00f3 nguy c\u01a1 b\u1ecb v\u1ee1 \u2013 T\u00ecnh tr\u1ea1ng hi\u1ec7n t\u1ea1i c\u1ee7a B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i.<\/p><\/blockquote>\n<p>Trong khi b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i l\u00e0\u00a0<strong>b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c<\/strong>\u00a0th\u00ec b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0\u00a0<strong>b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n<\/strong>\u00a0\u2013 ai c\u0169ng c\u00f3 th\u1ec3 mua n\u1ebfu \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n s\u1ee9c kh\u1ecfe v\u00e0 kinh t\u1ebf.<\/p>\n<p>&nbsp;<\/p>\n<h2><span id=\"Ban_chat_cua_Bao_hiem_xa_hoi\"><span id=\"Ban_chat_cua_Bao_hiem_xa_hoi\">B\u1ea3n ch\u1ea5t c\u1ee7a B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/span><\/span><\/h2>\n<figure id=\"attachment_1403\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"aligncenter size-full wp-image-172\" src=\"http:\/\/baohiemtoiyeu.com\/wp-content\/uploads\/2018\/01\/ban-chat-bao-hiem-xa-hoi.jpg\" alt=\"\" width=\"650\" height=\"429\" srcset=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/ban-chat-bao-hiem-xa-hoi.jpg 650w, https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/ban-chat-bao-hiem-xa-hoi-300x198.jpg 300w\" sizes=\"(max-width: 650px) 100vw, 650px\" \/><figcaption class=\"wp-caption-text\">Khi hi\u1ec3u \u0111\u00fang b\u1ea3n ch\u1ea5t, b\u1ea1n s\u1ebd th\u1ea5y b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ee9c t\u1ea1p nh\u01b0 b\u1ea1n t\u01b0\u1edfng t\u01b0\u1ee3ng.<\/figcaption><\/figure>\n<p>\u0110\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng ch\u1ebf \u0111\u1ed9 h\u01b0u tr\u00ed c\u1ee7a b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, ng\u01b0\u1eddi lao \u0111\u1ed9ng ph\u1ea3i tr\u00edch thu nh\u1eadp t\u1eeb l\u01b0\u01a1ng c\u1ee7a m\u00ecnh h\u00e0ng th\u00e1ng (trong kho\u1ea3ng 30-35 n\u0103m) \u0111\u1ec3 n\u1ed9p v\u00e0o Qu\u1ef9. T\u1edbi tu\u1ed5i ngh\u1ec9 h\u01b0u, B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i s\u1ebd chi tr\u1ea3 m\u1ed7i th\u00e1ng\u00a0<strong>75% l\u01b0\u01a1ng c\u01a1 b\u1ea3n khi tham gia<\/strong>\u00a0cho ng\u01b0\u1eddi b\u1ea3o hi\u1ec3m l\u0129nh d\u1ea7n v\u1ec1 ti\u00eau s\u00e0i.<\/p>\n<p>N\u1ebfu trong su\u1ed1t th\u1eddi gian n\u00e0y, ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1ecb t\u1eed vong, th\u00ec gia \u0111\u00ecnh\/ ng\u01b0\u1eddi th\u00e2n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n Tr\u1ee3 C\u1ea5p T\u1eed Tu\u1ea5t.<\/p>\n<p>\u0110\u1ec3 \u0111\u01b0\u1ee3c nh\u1eadn c\u00e1c quy\u1ec1n l\u1ee3i \u0111\u00f3, ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ea3i n\u1ed9p h\u00e0ng th\u00e1ng l\u00e0\u00a0<strong>25.5%<\/strong>\u00a0\u2013 d\u1ef1a theo m\u1ee9c l\u01b0\u01a1ng c\u01a1 b\u1ea3n. Quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i l\u00e0;<\/p>\n<ol>\n<li>Qu\u1ef9 H\u01b0u Tr\u00ed &amp; T\u1eed Tu\u1ea5t.<\/li>\n<li>Qu\u1ef9 \u1ed0m \u0110au &amp; v\u00e0 Thai S\u1ea3n.<\/li>\n<\/ol>\n<p>\u0110\u1ec3 ng\u01b0\u1eddi lao \u0111\u1ed9ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng nhi\u1ec1u quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m h\u01a1n, Nh\u00e0 n\u01b0\u1edbc\u00a0<strong>quy \u0111\u1ecbnh<\/strong>\u00a0Doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng ph\u1ea3i mua th\u00eam\u00a0<strong>B\u1ea3o hi\u1ec3m y t\u1ebf &amp; B\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p<\/strong>:<\/p>\n<ol>\n<li>B\u1ea3o hi\u1ec3m y t\u1ebf:\u00a0<strong>4,5%<\/strong>\u00a0m\u1ee9c l\u01b0\u01a1ng tham gia b\u1ea3o hi\u1ec3m.<\/li>\n<li>B\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p:\u00a0<strong>2%<\/strong>\u00a0m\u1ee9c l\u01b0\u01a1ng tham gia b\u1ea3o hi\u1ec3m.<\/li>\n<\/ol>\n<p>Ngo\u00e0i ra, Doanh nghi\u1ec7p ph\u1ea3i \u0111\u00f3ng th\u00eam\u00a0<strong>2%<\/strong>\u00a0m\u1ed7i th\u00e1ng l\u00e0\u00a0<strong>Kinh ph\u00ed c\u00f4ng \u0111o\u00e0n<\/strong>.<\/p>\n<p>=&gt; V\u1eady, ph\u00ed b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i m\u00e0 c\u1ea3 doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng ph\u1ea3i \u0111\u00f3ng m\u1ed7i th\u00e1ng s\u1ebd l\u00e0:\u00a0<span style=\"color: #ff0000;\"><strong>34%<\/strong><\/span>. Trong \u0111\u00f3\u00a0<strong>Doanh nghi\u1ec7p ph\u1ea3i ch\u1ecbu<\/strong>\u00a0<span style=\"color: #ff0000;\">23.5%<\/span>, c\u00f2n\u00a0<strong>Ng\u01b0\u1eddi lao \u0111\u1ed9ng ph\u1ea3i ch\u1ecbu<\/strong>\u00a0<span style=\"color: #ff0000;\">10.5%<\/span>.<\/p>\n<blockquote><p>N\u00f3i \u201cBHXH \u0111\u01b0\u1ee3c doanh nghi\u1ec7p n\u1ed9p cho\u201d l\u00e0 \u0111\u00fang nh\u01b0ng ch\u01b0a \u0111\u1ee7. 34% n\u00e0y th\u1ef1c ch\u1ea5t l\u00e0 l\u1ea5y t\u1eeb Qu\u1ef9 l\u01b0\u01a1ng v\u00e0 Qu\u1ef9 th\u01b0\u1edfng, ch\u1ee9 ti\u1ec1n kh\u00f4ng r\u01a1i t\u1eeb tr\u00ean tr\u1eddi xu\u1ed1ng. Nh\u01b0ng \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o cu\u1ed9c s\u1ed1ng khi ch\u00fang ta gi\u00e0 \u0111i \u2013 Ai c\u0169ng c\u1ea7n ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i.<\/p><\/blockquote>\n<h2><span id=\"Thuc_chat_bao_hiem_nhan_tho\"><span id=\"Thuc_chat_bao_hiem_nhan_tho\">Th\u1ef1c ch\u1ea5t b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/span><\/span><\/h2>\n<p>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 c\u00e1c quy\u1ec1n l\u1ee3i kh\u00e1c v\u1edbi b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, nh\u01b0ng\u00a0<strong>\u0111i\u1ec3m kh\u00e1c bi\u1ec7t l\u1edbn nh\u1ea5t<\/strong>: \u0110\u00e2y l\u00e0 b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n \u2013 ai th\u00edch th\u00ec tham gia, kh\u00f4ng th\u00edch th\u00ec th\u00f4i, kh\u00f4ng \u00e9p.<\/p>\n<p><strong>C\u00e1c quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd:<\/strong><\/p>\n<ol>\n<li>Tai n\u1ea1n<\/li>\n<li>H\u1ed7 tr\u1ee3 n\u1eb1m vi\u1ec7n qua \u0111\u00eam<\/li>\n<li>B\u1ec7nh hi\u1ec3m ngh\u00e8o\/ B\u1ec7nh l\u00fd nghi\u00eam tr\u1ecdng<\/li>\n<li>T\u1eed vong<\/li>\n<li>H\u01b0u tr\u00ed<\/li>\n<\/ol>\n<p>Ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd s\u1ebd\u00a0<strong>ch\u1ecdn nh\u1eefng quy\u1ec1n l\u1ee3i m\u00ecnh mu\u1ed1n<\/strong>, sau \u0111\u00f3\u00a0<strong>c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u00f3ng<\/strong>, d\u1ef1a tr\u00ean:<\/p>\n<ol>\n<li>\u0110\u1ed9 tu\u1ed5i, Gi\u1edbi t\u00ednh?<\/li>\n<li>T\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe, Lo\u1ea1i h\u00ecnh ngh\u1ec1 nghi\u1ec7p?<\/li>\n<li>M\u1ee9c chi tr\u1ea3 quy\u1ec1n l\u1ee3i mong mu\u1ed1n l\u00e0 bao nhi\u00eau?<\/li>\n<li>T\u1ec9 l\u1ec7 m\u00e0 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m n\u00e0y g\u1eb7p r\u1ee7i ro s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m \u0111\u00f3 l\u00e0 bao nhi\u00eau?<\/li>\n<\/ol>\n<p>Sau khi c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ednh ra ph\u00ed, ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m\u00a0<strong>ph\u1ea3i \u0111\u00f3ng \u0111\u1ee7 ph\u00ed<\/strong>\u00a0h\u00e0ng th\u00e1ng\/ h\u00e0ng n\u0103m th\u00ec quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m m\u1edbi\u00a0<strong>c\u00f2n hi\u1ec7u l\u1ef1c<\/strong>.<\/p>\n<blockquote><p>Nh\u1eefng ai \u0111ang c\u00f3 BHXH c\u00f3 th\u1ec3 mua th\u00eam BHNT \u0111\u1ec3 c\u00e1c quy\u1ec1n l\u1ee3i b\u1ea3o v\u1ec7 \u0111\u1ea7y \u0111\u1ee7 h\u01a1n. Nh\u01b0ng nh\u1eefng ng\u01b0\u1eddi l\u00e0m t\u1ef1 do th\u00ec c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u \u0111\u1ec3 \u0111\u00f3ng BHNT thay v\u00ec BHXH b\u1edfi n\u1ebfu kh\u00f4ng \u0111\u01b0\u1ee3c Doanh nghi\u1ec7p tr\u1ee3 gi\u00fap, tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i s\u1ebd \u201ckh\u00e1 m\u1ec7t\u201d.<\/p><\/blockquote>\n<p>\u0110\u1ec3 gi\u00fap b\u1ea1n c\u00f3 nh\u1eefng so s\u00e1nh, \u0111\u00e1nh gi\u00e1 th\u1ef1c t\u1ebf, ch\u00fang t\u00f4i s\u1ebd \u0111\u01b0a ra 1 v\u00ed d\u1ee5 minh h\u1ecda. V\u00e0 th\u1eed xem\u00a0<strong>n\u1ebfu \u0111\u00f3 l\u00e0 b\u1ea1n \u2013 b\u1ea1n s\u1ebd ch\u1ecdn lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m n\u00e0o<\/strong>?<\/p>\n<p>&nbsp;<\/p>\n<h2><span id=\"So_sanh_bao_hiem_nhan_tho_va_bao_hiem_xa_hoi\"><span id=\"So_sanh_bao_hiem_nhan_tho_va_bao_hiem_xa_hoi\">So s\u00e1nh b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/span><\/span><\/h2>\n<figure id=\"attachment_1404\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"aligncenter size-full wp-image-176\" src=\"http:\/\/baohiemtoiyeu.com\/wp-content\/uploads\/2018\/01\/bao-hiem-xa-hoi-che-cho-cho-nguoi-gia-z-1.jpg\" alt=\"\" width=\"400\" height=\"406\" srcset=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/bao-hiem-xa-hoi-che-cho-cho-nguoi-gia-z-1.jpg 400w, https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/bao-hiem-xa-hoi-che-cho-cho-nguoi-gia-z-1-296x300.jpg 296w\" sizes=\"(max-width: 400px) 100vw, 400px\" \/><figcaption class=\"wp-caption-text\">Tu\u1ed5i gi\u00e0 cu\u1ed1i c\u00f9ng c\u0169ng t\u1edbi. Ch\u00fang ta s\u1ebd s\u1ed1ng nh\u01b0 n\u00e0o n\u1ebfu kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m?<\/figcaption><\/figure>\n<p>T\u00f4i s\u1ebd l\u00e0m 1 b\u1ea3ng so s\u00e1nh c\u00e1c quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m gi\u1eefa 2 h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m n\u00e0y v\u1edbi c\u00f9ng 1 m\u1ee9c ph\u00ed \u0111\u00f3ng v\u00e0 th\u1eddi gian \u0111\u00f3ng nh\u01b0 nhau:<\/p>\n<ol>\n<li><strong>Tu\u1ed5i b\u1eaft \u0111\u1ea7u \u0111\u00f3ng<\/strong>: 25 tu\u1ed5i.<\/li>\n<li><strong>S\u1ed1 n\u0103m \u0111\u00f3ng ph\u00ed<\/strong>: 30 n\u0103m (theo lu\u1eadt m\u1edbi c\u1ee7a BHXH).<\/li>\n<li><strong>Ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng<\/strong>: 1.360.000\u0111 (gi\u1ea3 s\u1eed m\u1ee9c l\u01b0\u01a1ng c\u01a1 b\u1ea3n khi tham gia l\u00e0 4 tri\u1ec7u\/ th\u00e1ng).<\/li>\n<li><strong>Tu\u1ed5i khi v\u1ec1 h\u01b0u<\/strong>: 60 tu\u1ed5i.<\/li>\n<li><strong>Gi\u1ea3 s\u1eed ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ed1ng t\u1edbi n\u0103m 80 tu\u1ed5i<\/strong>, t\u1ee9c h\u01b0\u1edfng l\u01b0\u01a1ng h\u01b0u 20 n\u0103m.<\/li>\n<\/ol>\n<p><strong>V\u00e0 ch\u00fang ta s\u1ebd s\u1eed d\u1ee5ng c\u00e1c ti\u00eau ch\u00ed l\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i BH sau \u0111\u1ec3 so s\u00e1nh:<\/strong><\/p>\n<ol>\n<li>N\u1eb1m vi\u1ec7n qua \u0111\u00eam.<\/li>\n<li>B\u1ec7nh hi\u1ec3m ngh\u00e8o\/ B\u1ec7nh l\u00fd nghi\u00eam tr\u1ecdng.<\/li>\n<li>Tai n\u1ea1n<\/li>\n<li>H\u01b0u tr\u00ed<\/li>\n<\/ol>\n<figure id=\"attachment_1401\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"aligncenter size-full wp-image-175\" src=\"http:\/\/baohiemtoiyeu.com\/wp-content\/uploads\/2018\/01\/so-sanh-bao-hiem-nhan-tho-va-bao-hiem-xa-hoi-1.jpg\" alt=\"\" width=\"781\" height=\"492\" srcset=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/so-sanh-bao-hiem-nhan-tho-va-bao-hiem-xa-hoi-1.jpg 781w, https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/so-sanh-bao-hiem-nhan-tho-va-bao-hiem-xa-hoi-1-300x189.jpg 300w, https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/so-sanh-bao-hiem-nhan-tho-va-bao-hiem-xa-hoi-1-768x484.jpg 768w\" sizes=\"(max-width: 781px) 100vw, 781px\" \/><figcaption class=\"wp-caption-text\">Ngo\u00e0i \u01b0u \u0111i\u1ec3m l\u00e0 \u0111\u01b0\u1ee3c Doanh nghi\u1ec7p h\u1ed7 tr\u1ee3 \u0111\u00f3ng ph\u00ed. B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i n\u1ebfu so v\u1ec1 quy\u1ec1n l\u1ee3i v\u1edbi BHNT th\u00ec BHNT s\u1ebd l\u1ee3i th\u1ebf h\u01a1n nhi\u1ec1u. L\u00e3i su\u1ea5t c\u1ee7a BHNT \u1edf h\u00ecnh tr\u00ean minh h\u1ecda \u1edf m\u1ee9c 8%\/ n\u0103m.<\/figcaption><\/figure>\n<blockquote><p>Tuy nhi\u00ean, BHXH \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an sinh cho \u0111\u1ea5t n\u01b0\u1edbc. Do v\u1eady nh\u1eefng ng\u01b0\u1eddi tr\u1ebb kh\u1ecfe v\u1eabn n\u00ean \u0111\u00f3ng BHXH \u0111\u1ea7y \u0111\u1ee7, \u0111\u1ec3 nh\u1eefng ng\u01b0\u1eddi gi\u00e0 \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c ph\u00fac l\u1ee3i tu\u1ed5i gi\u00e0.<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p>Qua so s\u00e1nh tr\u00ean, b\u1ea1n c\u00f3 th\u1ec3 th\u1ea5y n\u1ebfu b\u1ea1n \u0111ang l\u00e0m t\u1ef1 do th\u00ec v\u1eabn c\u00f3 th\u1ec3 thi\u1ebft k\u1ebf 1 g\u00f3i b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe, h\u01b0u tr\u00ed cho m\u00ecnh v\u1edbi B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd thay v\u00ec \u0111\u00f3ng B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i t\u1ef1 nguy\u1ec7n.<\/p>\n<p><strong>Qua b\u00e0i vi\u1ebft, t\u00f4i \u0111\u00e3 gi\u00fap b\u1ea1n gi\u1ea3i quy\u1ebft 3 v\u1ea5n \u0111\u1ec1:<\/strong><\/p>\n<ol>\n<li>Th\u1ee9 nh\u1ea5t: B\u1ea3n ch\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m l\u00e0\u00a0<strong>b\u1ea1n ph\u1ea3i \u0111\u00f3ng ti\u1ec1n v\u00e0o<\/strong>\u00a0\u0111\u1ec3 MUA c\u00e1c quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m.<\/li>\n<li><strong>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i l\u00e0 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c<\/strong>.\u00a0<strong>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n<\/strong>. Tuy nhi\u00ean, BHXH th\u00ec Ng\u01b0\u1eddi Lao \u0110\u1ed9ng kh\u00f4ng ph\u1ea3i \u0111\u00f3ng 100%, ph\u1ea7n l\u1edbn \u0111\u01b0\u1ee3c Doanh nghi\u1ec7p \u0111\u00f3ng, Ng\u01b0\u1eddi Lao \u0110\u1ed9ng ch\u1ec9 \u0111\u00f3ng ph\u1ea7n c\u00f2n l\u1ea1i.<\/li>\n<li>N\u1ebfu b\u1ea1n \u0111ang l\u00e0m t\u1ef1 do, b\u1ea1n c\u00f3 th\u1ec3 chu\u1ea9n b\u1ecb cho m\u00ecnh k\u1ebf ho\u1ea1ch b\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe v\u00e0 h\u01b0u tr\u00ed to\u00e0n di\u1ec7n v\u1edbi B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. C\u00e1c quy\u1ec1n l\u1ee3i, c\u00e1c m\u1ee9c ph\u00ed \u0111\u00f3ng\u00a0<strong>do b\u1ea1n t\u1ef1 ch\u1ecdn<\/strong>\u00a0\u2013 V\u00ec l\u00e0 t\u1ef1 nguy\u1ec7n m\u00e0.<\/li>\n<\/ol>\n","protected":false},"excerpt":{"rendered":"<p>N\u1ed9i dung ch&iacute;nh1 Th\u1ef1c ch\u1ea5t, b\u1ea3o hi\u1ec3m c\u1ef1c k\u1ef3 d\u1ec5 hi\u1ec3u2 B\u1ea3n ch\u1ea5t c\u1ee7a B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i3 Th\u1ef1c ch\u1ea5t &hellip; <a class=\"link-more\" href=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/?p=171\" class=\"more-link\">\u0110\u1ecdc th\u00eam &raquo;<span class=\"screen-reader-text\"> &#8220;B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i v\u00e0 B\u1ea3o Hi\u1ec3m Nh\u00e2n Th\u1ecd&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":174,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[40],"tags":[],"_links":{"self":[{"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts\/171"}],"collection":[{"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=171"}],"version-history":[{"count":3,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts\/171\/revisions"}],"predecessor-version":[{"id":184,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts\/171\/revisions\/184"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/media\/174"}],"wp:attachment":[{"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=171"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=171"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=171"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}