{"id":183,"date":"2018-01-31T16:01:56","date_gmt":"2018-01-31T09:01:56","guid":{"rendered":"http:\/\/baohiemtoiyeu.com\/?p=183"},"modified":"2018-01-31T16:01:56","modified_gmt":"2018-01-31T09:01:56","slug":"vi-sao-nguoi-viet-ghet-bao-hiem-nhan-tho","status":"publish","type":"post","link":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/?p=183","title":{"rendered":"V\u00ec sao ng\u01b0\u1eddi Vi\u1ec7t gh\u00e9t 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=\"#I_Nguoi_Viet_khong_thich_nhac_toi_rui_ro\"><span class=\"toc_number toc_depth_1\">1<\/span> I. Ng\u01b0\u1eddi Vi\u1ec7t kh\u00f4ng th\u00edch nh\u1eafc t\u1edbi r\u1ee7i ro<\/a><\/li><li><a href=\"#II_Nguoi_Vietkhong_thich_cac_cong_ty_bao_hiem\"><span class=\"toc_number toc_depth_1\">2<\/span> II. Ng\u01b0\u1eddi Vi\u1ec7t\u00a0kh\u00f4ng th\u00edch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/a><\/li><li><a href=\"#III_Nguoi_Viet_coi_bao_hiem_nhan_tho_la_kenh_dau_tu_sinh_loi\"><span class=\"toc_number toc_depth_1\">3<\/span> III. Ng\u01b0\u1eddi Vi\u1ec7t coi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 k\u00eanh \u0111\u1ea7u t\u01b0 sinh l\u1eddi<\/a><\/li><li><a href=\"#IVNguoi_Viet_co_ac_cam_qua_cac_phot_tren_mang_cua_cong_ty_bao_hiem\"><span class=\"toc_number toc_depth_1\">4<\/span> IV.\u00a0Ng\u01b0\u1eddi Vi\u1ec7t c\u00f3 \u00e1c c\u1ea3m qua c\u00e1c \u201cph\u1ed1t tr\u00ean m\u1ea1ng\u201d c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/a><\/li><\/ul><\/div>\n<p><em><strong>\u0110\u00f3 c\u0169ng l\u00e0 c\u1ea3m x\u00fac c\u1ee7a t\u00f4i khi l\u1ea7n \u0111\u1ea7u nghe t\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Kh\u00f4ng ch\u00ednh x\u00e1c l\u00e0 \u201cgh\u00e9t\u201d, ch\u1ec9 l\u00e0 s\u1ef1 ph\u1ee7 nh\u1eadn v\u1ec1 nhu c\u1ea7u c\u1ee7a b\u1ea3n th\u00e2n, c\u0169ng nh\u01b0 t\u1ea7m quan tr\u1ecdng c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi cu\u1ed9c s\u1ed1ng. V\u00ec th\u1ebf, t\u00f4i \u0111\u00e3 t\u1eeb ch\u1ed1i khi c\u00f4 b\u1ea1n th\u00e2n mu\u1ed1n qua g\u1eb7p \u0111\u1ec3 t\u01b0 v\u1ea5n v\u1ec1 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, cho d\u00f9 c\u00f4 \u1ea5y n\u00f3i \u201ct\u00f4i l\u00e0 ng\u01b0\u1eddi tr\u1ee5 c\u1ed9t trong gia \u0111\u00ecnh c\u00f3 v\u1ee3, con c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7\u201d\u2026 nh\u01b0ng t\u00f4i \u0111\u00e3 t\u1eeb ch\u1ed1i g\u1eb7p m\u1eb7t.<\/strong><\/em><\/p>\n<p><em><strong>\u0110\u00fang l\u00e0 kh\u00f4ng t\u1edbi m\u1ee9c gh\u00e9t b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, nh\u01b0ng\u00a0trong m\u1ed7i ch\u00fang ta \u0111\u1ec1u t\u1ed3n t\u1ea1i 1 kho\u1ea3ng c\u00e1ch n\u00e0o \u0111\u00f3 ng\u0103n vi\u1ec7c b\u1ea3n th\u00e2n t\u00ecm hi\u1ec3u v\u1ec1 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd.<\/strong><\/em><\/p>\n<p><em><strong>V\u1eady \u0111\u00e2u l\u00e0 l\u00fd do khi\u1ebfn ch\u00fang ta \u2013 nh\u1eefng ng\u01b0\u1eddi Vi\u1ec7t Nam \u201cgh\u00e9t\u201d b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nh\u01b0 th\u1ebf?<\/strong><\/em><\/p>\n<blockquote><p>Theo t\u00f4i, c\u00f3 4\u00a0l\u00fd do ch\u00ednh khi\u1ebfn ng\u01b0\u1eddi Vi\u1ec7t gh\u00e9t b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, \u0111\u00f3 l\u00e0:<\/p>\n<p>I. Ng\u01b0\u1eddi Vi\u1ec7t kh\u00f4ng th\u00edch nh\u1eafc t\u1edbi r\u1ee7i ro.<\/p>\n<p>II. Ng\u01b0\u1eddi Vi\u1ec7t\u00a0kh\u00f4ng th\u00edch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n<p>III. Ng\u01b0\u1eddi Vi\u1ec7t coi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 k\u00eanh \u0111\u1ea7u t\u01b0 sinh l\u1eddi.<\/p>\n<p>IV. Ng\u01b0\u1eddi Vi\u1ec7t c\u00f3 \u00e1c c\u1ea3m qua c\u00e1c \u201cph\u1ed1t tr\u00ean m\u1ea1ng\u201d c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n<p><em>C\u00f3 nhi\u1ec1u l\u00fd do kh\u00e1c n\u1eefa, nh\u01b0ng theo t\u00f4i \u0111\u00e2y l\u00e0 4 l\u00fd do ph\u1ed5 bi\u1ebfn!<\/em><\/p><\/blockquote>\n<h2><span id=\"I_Nguoi_Viet_khong_thich_nhac_toi_rui_ro\"><span id=\"I_Nguoi_Viet_khong_thich_nhac_toi_rui_ro\">I. Ng\u01b0\u1eddi Vi\u1ec7t kh\u00f4ng th\u00edch nh\u1eafc t\u1edbi r\u1ee7i ro<\/span><\/span><\/h2>\n<figure id=\"attachment_1065\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"aligncenter size-full wp-image-188\" src=\"http:\/\/baohiemtoiyeu.com\/wp-content\/uploads\/2018\/01\/nguoi-viet-ghet-nhac-toi-rui-ro-.jpg\" alt=\"\" width=\"698\" height=\"400\" srcset=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/nguoi-viet-ghet-nhac-toi-rui-ro-.jpg 698w, https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/nguoi-viet-ghet-nhac-toi-rui-ro--300x172.jpg 300w\" sizes=\"(max-width: 698px) 100vw, 698px\" \/><figcaption class=\"wp-caption-text\">\u201cC\u1ee9 \u0111\u1ebfn \u0111\u00e2u th\u00ec hay \u0111\u1ebfn \u0111\u00f3\u201d l\u00e0 t\u00e2m l\u00fd chung c\u1ee7a ng\u01b0\u1eddi Vi\u1ec7t m\u00ecnh.<\/figcaption><\/figure>\n<p>Tho\u1ea1t nghe c\u00f3 v\u1ebb r\u1ea5t m\u00e2u thu\u1eabn, n\u00f3i t\u1edbi b\u1ea3o hi\u1ec3m l\u00e0 ph\u1ea3i n\u00f3i t\u1edbi r\u1ee7i ro\u00a0\u2013 l\u00e0 l\u00fac l\u1ea5y ti\u1ec1n b\u1ea3o hi\u1ec3m. Ch\u00fang ta mua b\u1ea3o hi\u1ec3m xe h\u01a1i, b\u1ea3o hi\u1ec3m kho\u1ea3n vay, b\u1ea3o hi\u1ec3m c\u00e2y tr\u1ed3ng \u0111\u1ec1u ngh\u0129 ngay t\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ee3p x\u1ea5u:\u00a0<em>\u00f4 t\u00f4 b\u1ecb s\u00e2y x\u00e1t, b\u1ecb h\u1ecfng h\u00f3c, ng\u01b0\u1eddi nh\u00e0 s\u1ebd kh\u00f4ng ph\u1ea3i tr\u1ea3 n\u1ee3 thay kho\u1ea3n vay ng\u00e2n h\u00e0ng<\/em>,\u2026<\/p>\n<p>\u2026nh\u01b0ng khi n\u00f3i t\u1edbi b\u1ea3o hi\u1ec3m con ng\u01b0\u1eddi \u2013 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u00ec ch\u00fang ta kh\u00f4ng d\u00e1m li\u00ean t\u01b0\u1edfng t\u1edbi m\u00ecnh\u2026<\/p>\n<p>\u2026kh\u00f4ng ngh\u0129 m\u00ecnh s\u1ebd g\u1eb7p v\u1ea5n \u0111\u1ec1 nguy hi\u1ec3m v\u1ec1 s\u1ee9c kh\u1ecfe, v\u1ec1 r\u1ee7i ro b\u1ec7nh t\u1eadt, tai n\u1ea1n, ch\u1ebft s\u1edbm.<\/p>\n<p>T\u00f4i kh\u00f4ng n\u00f3i t\u00f4i hay b\u1ea1n, hay ng\u01b0\u1eddi th\u00e2n c\u1ee7a ch\u00fang ta s\u1ebd g\u1eb7p r\u1ee7i ro v\u00e0o h\u00f4m nay, v\u00e0o ng\u00e0y mai \u2013 ch\u00fang ta kh\u00f4ng mu\u1ed1n \u0111i\u1ec1u \u0111\u00f3.\u00a0<strong>T\u00f4i s\u1ebd kh\u00f4ng ch\u1ebft h\u00f4m nay, ng\u00e0y mai hay\u2026bao gi\u1edd h\u1ebft\u2026<\/strong><\/p>\n<p>Tuy nhi\u00ean ch\u1ec9 trong 2-3 tu\u1ea7n v\u1eeba qua, t\u00f4i c\u00e1 r\u1eb1ng b\u1ea1n \u0111\u00e3 nh\u00ecn th\u1ea5y c\u00f3 nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 ch\u1ebft, m\u1ed9t s\u1ed1 ng\u01b0\u1eddi \u0111\u00e3 b\u1ecb ch\u1ea9n \u0111o\u00e1n b\u1ec7nh n\u1eb7ng v\u00e0 \u0111ang ph\u1ea3i d\u1ed3n to\u00e0n b\u1ed9 kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u1ec3 \u0111i\u1ec1u tr\u1ecb\u2026<\/p>\n<p>T\u00f4i \u0111\u00e3 ch\u1ee9ng ki\u1ebfn nhi\u1ec1u h\u01a1n b\u1ea1n th\u1ea5y b\u1edfi v\u00ec t\u00f4i l\u00e0m trong l\u0129nh v\u1ef1c n\u00e0y, theo d\u00f5i nh\u1eefng kh\u00e1ch h\u00e0ng \u0111\u1ebfn \u0111\u00f2i quy\u1ec1n l\u1ee3i t\u1eed vong, b\u1ec7nh l\u00fd,\u2026\u00a0<strong>t\u00f4i bi\u1ebft \u0111i\u1ec1u \u0111\u00f3 lu\u00f4n x\u1ea3y ra trong cu\u1ed9c s\u1ed1ng \u2013 cho d\u00f9 kh\u00f4ng ai mong mu\u1ed1n!<\/strong><\/p>\n<p><strong>Ng\u01b0\u1eddi Vi\u1ec7t m\u00ecnh s\u1ee3 nh\u1eafc t\u1edbi r\u1ee7i ro<\/strong>: \u201c\u00e1m qu\u1ebb, n\u00f3i xui, \u0111en \u0111\u1ee7i\u2026\u201d n\u00ean \u0111\u00f4i khi ch\u00fang ta c\u1ee9 gi\u1ea3 v\u1edd kh\u00f4ng \u0111\u1ec3 \u00fd t\u1edbi n\u00f3. C\u1ee9 b\u1ecf m\u1eb7c s\u1ed1 ph\u1eadn \u201c<em>\u0111\u1ebfn \u0111\u00e2u th\u00ec \u0111\u1ebfn<\/em>\u201d kh\u00f4ng gi\u00fap b\u1ea1n c\u00f3 cu\u1ed9c s\u1ed1ng h\u1ea1nh ph\u00fac v\u00e0 vui v\u1ebb h\u01a1n.<\/p>\n<p><strong>Sao m\u00e0 vui v\u1ebb \u0111\u01b0\u1ee3c, khi b\u1ea1n LU\u00d4N B\u1ea4T AN TRONG L\u00d2NG!<\/strong><\/p>\n<p>Nh\u1eefng ng\u01b0\u1eddi l\u00e0m ngh\u1ec1 b\u1ea3o hi\u1ec3m kh\u00e1c ng\u01b0\u1eddi kh\u00e1c, \u0111\u00f3 l\u00e0: H\u1ecd \u0111\u00e3 \u0111\u01b0\u1ee3c\u00a0<em>h\u1ecdc v\u1ec1 c\u00e1c r\u1ee7i ro<\/em>, h\u1ecd\u00a0<em>ch\u1ea5p nh\u1eadn n\u00f3<\/em>, v\u00e0\u00a0<em>mu\u1ed1n nh\u1eefng ng\u01b0\u1eddi xung quanh hi\u1ec3u<\/em>:\u00a0<strong>ch\u00fang ta n\u00ean chuy\u1ec3n giao r\u1ee7i ro<\/strong>\u00a0cho 1 c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1ec3\u00a0<strong>b\u1ea3o v\u1ec7 nh\u1eefng gi\u00e1 tr\u1ecb m\u00e0 ta y\u00eau qu\u00fd<\/strong>.<\/p>\n<blockquote><p>Nh\u01b0ng s\u1ebd ch\u1eb3ng c\u00f3 c\u01a1 h\u1ed9i m\u1edf l\u1eddi!<\/p>\n<p>Ng\u01b0\u1eddi Vi\u1ec7t gh\u00e9t r\u1ee7i ro\u2026th\u00e0nh ra gh\u00e9t\u00a0c\u00f4ng ty b\u1ea3o hi\u1ec3m\u2026v\u00e0 hi\u1ec3n nhi\u00ean s\u1ebd\u00a0gh\u00e9t lu\u00f4n\u00a0nh\u1eefng ng\u01b0\u1eddi t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m.<\/p>\n<p>Cho \u0111\u1ebfn nay, t\u00f4i \u0111\u00e3 th\u1ea5y nhi\u1ec1u bu\u1ed5i chi tr\u1ea3 quy\u1ec1n l\u1ee3i t\u1eed vong cho ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m. V\u00e0 trong l\u01b0\u01a1ng lai, t\u00f4i s\u1ebd c\u00f2n ch\u1ee9ng ki\u1ebfn nhi\u1ec1u h\u01a1n n\u1eefa nh\u1eefng l\u1ea7n nh\u01b0 v\u1eady, m\u1ed9t trong s\u1ed1 \u0111\u00f3 c\u00f3 th\u1ec3 l\u00e0 ch\u00ednh t\u00f4i!<\/p><\/blockquote>\n<h2><span id=\"II_Nguoi_Vietkhong_thich_cac_cong_ty_bao_hiem\"><span id=\"II_Nguoi_Vietkhong_thich_cac_cong_ty_bao_hiem\">II. Ng\u01b0\u1eddi Vi\u1ec7t\u00a0kh\u00f4ng th\u00edch c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/span><\/span><\/h2>\n<p><img loading=\"lazy\" class=\"aligncenter size-full wp-image-185\" src=\"http:\/\/baohiemtoiyeu.com\/wp-content\/uploads\/2018\/01\/nguoi-viet-ghet-cong-ty-bao-hiem-nhan-tho-.jpg\" alt=\"\" width=\"1228\" height=\"768\" srcset=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/nguoi-viet-ghet-cong-ty-bao-hiem-nhan-tho-.jpg 1228w, https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/nguoi-viet-ghet-cong-ty-bao-hiem-nhan-tho--300x188.jpg 300w, https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/nguoi-viet-ghet-cong-ty-bao-hiem-nhan-tho--768x480.jpg 768w, https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/nguoi-viet-ghet-cong-ty-bao-hiem-nhan-tho--1024x640.jpg 1024w\" sizes=\"(max-width: 1228px) 100vw, 1228px\" \/><\/p>\n<p>Nhi\u1ec1u\u00a0kh\u00e1ch h\u00e0ng ngh\u0129 r\u1eb1ng h\u1ecd\u00a0<strong>\u0111ang c\u1ea1nh tranh v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd<\/strong>. Qu\u00e1 tr\u00ecnh suy ngh\u0129 di\u1ec5n ra nh\u01b0 sau:<\/p>\n<ol>\n<li>B\u1ea1n \u0111\u01b0a cho c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0y 1 kho\u1ea3n ti\u1ec1n m\u00e0 b\u1ea1n v\u1ea5t v\u1ea3 ki\u1ebfm \u0111\u01b0\u1ee3c h\u00e0ng n\u0103m.<\/li>\n<li>Nh\u01b0ng gia \u0111\u00ecnh c\u1ee7a b\u1ea1n s\u1ebd kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c b\u1ea5t c\u1ee9 \u0111i\u1ec1u g\u00ec tr\u1eeb khi b\u1ea1n ch\u1ebft, ho\u1eb7c b\u1ec7nh t\u1eadt, \u1ed1m \u0111au.<\/li>\n<li>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd th\u1eafng n\u1ebfu m\u1ea5t th\u1eddi gian h\u01a1n \u0111\u1ec3 \u0111\u1ee3i b\u1ea1n ch\u1ebft, v\u00ec trong kho\u1ea3ng th\u1eddi gian \u0111\u00f3 h\u1ecd \u0111\u00e3 nh\u1eadn \u0111\u01b0\u1ee3c nhi\u1ec1u ti\u1ec1n h\u01a1n t\u1eeb b\u1ea1n.<\/li>\n<li>N\u1ebfu b\u1ea1n ch\u1ebft s\u1edbm h\u01a1n, b\u1ea1n gi\u00e0nh chi\u1ebfn th\u1eafng v\u00ec s\u1ed1 ti\u1ec1n b\u1ea1n m\u1edbi b\u1ecf v\u00e0o c\u00f3 1 ch\u00fat x\u00edu\u2026<\/li>\n<\/ol>\n<p>B\u1edfi v\u00ec m\u1ecdi ng\u01b0\u1eddi\u00a0<strong>\u0111ang ngh\u0129 \u0111\u00e2y l\u00e0 cu\u1ed9c \u0111\u1ea5u<\/strong>, n\u00ean m\u1edbi xu\u1ea5t hi\u1ec7n \u0111\u1ecbnh ngh\u0129a\u00a0<strong>CH\u01a0I B\u1ea2O HI\u1ec2M NH\u00c2N TH\u1ecc<\/strong>: R\u1ee7i th\u00ec nh\u1eadn to\u00e0n b\u1ed9 ti\u1ec1n \u0111\u1ec1n b\u00f9, May th\u00ec c\u00f3 kho\u1ea3n ti\u1ec1n khi v\u1ec1 gi\u00e0 \u0111\u1ec3 t\u1ef1 lo cho b\u1ea3n th\u00e2n.<\/p>\n<p>Nh\u01b0ng th\u1ef1c t\u1ebf, \u0111\u00e2y kh\u00f4ng ph\u1ea3i tr\u00f2 ch\u01a1i C\u00d3 T\u1ed4NG B\u1eb0NG KH\u00d4NG, kh\u00f4ng c\u00f3 chuy\u1ec7n b\u1ea1n th\u1eafng hay c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1eafng.\u00a0<strong>H\u1ecd l\u00e0 \u0111\u1ed3ng minh, ch\u1ee9 kh\u00f4ng ph\u1ea3i k\u1ebb th\u00f9<\/strong>.<\/p>\n<blockquote><p>M\u1ed9t khi b\u1ea1n thay \u0111\u1ed5i t\u01b0 duy c\u1ee7a b\u1ea1n v\u1ec1 m\u1ed1i quan h\u1ec7 n\u00e0y, b\u1ea1n s\u1ebd coi h\u1ecd nh\u01b0 1 \u0111\u1ed1i t\u00e1c chia s\u1ebb r\u1ee7i ro.<\/p>\n<p>Kh\u00f4ng ai bi\u1ebft tr\u01b0\u1edbc khi n\u00e0o b\u1ea1n ch\u1ebft, v\u00ec v\u1eady n\u1ebfu kh\u00f4ng c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng t\u1ef1 \u0111\u1ea3m b\u1ea3o t\u00e0i ch\u00ednh cho c\u1ea3 gia \u0111\u00ecnh n\u1ebfu kh\u00f4ng may m\u1ea5t s\u1edbm, b\u1ea1n c\u1ea7n c\u00f3 1 \u0111\u1ed1i t\u00e1c \u0111\u1ed3ng h\u00e0nh \u0111\u1ec3 chia s\u1ebb r\u1ee7i ro \u2013 \u0111\u00f3 l\u00e0 B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd!<\/p><\/blockquote>\n<h2><\/h2>\n<h2><span id=\"III_Nguoi_Viet_coi_bao_hiem_nhan_tho_la_kenh_dau_tu_sinh_loi\"><span id=\"III_Nguoi_Viet_coi_bao_hiem_nhan_tho_la_kenh_dau_tu_sinh_loi\">III. Ng\u01b0\u1eddi Vi\u1ec7t coi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 k\u00eanh \u0111\u1ea7u t\u01b0 sinh l\u1eddi<\/span><\/span><\/h2>\n<figure id=\"attachment_1063\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"aligncenter size-full wp-image-187\" src=\"http:\/\/baohiemtoiyeu.com\/wp-content\/uploads\/2018\/01\/nguoi-viet-coi-bao-hiem-nhan-tho-la-kenh-dau-tu-sinh-loi-.png\" alt=\"\" width=\"600\" height=\"399\" srcset=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/nguoi-viet-coi-bao-hiem-nhan-tho-la-kenh-dau-tu-sinh-loi-.png 600w, https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/nguoi-viet-coi-bao-hiem-nhan-tho-la-kenh-dau-tu-sinh-loi--300x200.png 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><figcaption class=\"wp-caption-text\">\u201cC\u00e0ng l\u00e2u quy\u1ebft \u0111\u1ecbnh, l\u1ef1a ch\u1ecdn c\u00e0ng \u00edt \u0111i\u2026\u201d<\/figcaption><\/figure>\n<p>T\u00f4i nghe nhi\u1ec1u ng\u01b0\u1eddi n\u00f3i \u201cSang n\u0103m t\u00f4i s\u1ebd tham gia b\u1ea3o hi\u1ec3m, sau 1 n\u0103m th\u00ec ph\u00ed b\u1ea3o hi\u1ec3m ch\u1eafc t\u0103ng c\u0169ng kh\u00f4ng \u0111\u00e1ng k\u1ec3\u201d, nghe c\u0169ng gi\u1ed1ng nh\u01b0 h\u1ecd \u0111ang n\u00f3i \u201cT\u00f4i s\u1ebd \u0111\u1ea7u t\u01b0 v\u00e0o s\u1ea3n ph\u1ea9m n\u00e0y v\u00e0o n\u0103m t\u1edbi, t\u00f4i c\u0169ng ch\u1ec9 m\u1ea5t \u0111i 1 n\u0103m l\u1ee3i nhu\u1eadn, kh\u00f4ng sao c\u1ea3\u201d.<\/p>\n<p>\u201cT\u00f4i s\u1ebd m\u1ea5t \u0111i 1 n\u0103m l\u1ee3i nhu\u1eadn, kh\u00f4ng sao c\u1ea3\u201d l\u00e0 c\u00e1ch ngh\u0129 c\u1ee7a m\u1ecdi ng\u01b0\u1eddi, m\u1eb7c \u0111\u1ecbnh r\u1eb1ng h\u1ecd lu\u00f4n c\u00f3 quy\u1ec1n t\u1ef1 quy\u1ebft m\u1ecdi vi\u1ec7c (n\u0103m nay ch\u01b0a th\u00ec n\u0103m sau c\u0169ng ch\u01b0a mu\u1ed9n), trong \u0111\u00f3 c\u00f3 vi\u1ec7c\u00a0<strong>k\u00fd b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd khi n\u00e0o h\u1ecd mu\u1ed1n<\/strong>.<\/p>\n<p>Kinh nghi\u1ec7m c\u1ee7a t\u00f4i cho th\u1ea5y \u0111\u00e2y kh\u00f4ng ph\u1ea3i 1 gi\u1ea3 \u0111\u1ecbnh an to\u00e0n. H\u00e3y ngh\u0129 t\u1edbi t\u1ea5t c\u1ea3 y\u1ebfu t\u1ed1 \u0111\u01b0\u1ee3c xem x\u00e9t trong b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd:\u00a0<em>s\u1ee9c kh\u1ecfe, ti\u1ec1n s\u1eed b\u1ec7nh t\u1eadt b\u1ea3n th\u00e2n, ti\u1ec1n s\u1eed b\u1ec7nh t\u1eadt gia \u0111\u00ecnh, c\u00e1c b\u1ec7nh \u0111\u00e3 c\u00f3, l\u1ed1i s\u1ed1ng, th\u00f3i quen sinh ho\u1ea1t<\/em>. B\u1ea5t c\u1ee9 1 s\u1ef1 thay \u0111\u1ed5i trong c\u00e1c y\u1ebfu t\u1ed1 v\u1eeba n\u00eau c\u00f3 th\u1ec3 l\u00e0m t\u0103ng ph\u00ed b\u1ea3o hi\u1ec3m l\u00ean \u0111\u00e1ng k\u1ec3, th\u1eadm ch\u00ed c\u00f2n khi\u1ebfn b\u1ea1n\u00a0<strong>kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/strong>.<\/p>\n<blockquote><p>M\u1ed9t khi b\u1ea1n nh\u1eadn ra: N\u1ebfu kh\u00f4ng quy\u1ebft \u0111\u1ecbnh ngay b\u00e2y gi\u1edd, t\u01b0\u01a1ng lai b\u1ea1n c\u00f3 th\u1ec3 kh\u00f4ng c\u00f2n quy\u1ec1n quy\u1ebft \u0111\u1ecbnh n\u1eefa\u2026 Th\u1eddi \u0111i\u1ec3m t\u1ed1t nh\u1ea5t \u0111\u1ec3 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 NGAY B\u00c2Y GI\u1edc!<\/p><\/blockquote>\n<h2><span id=\"IVNguoi_Viet_co_ac_cam_qua_cac_phot_tren_mang_cua_cong_ty_bao_hiem\"><span id=\"IVNguoi_Viet_co_ac_cam_qua_cac_8220phot_tren_mang8221_cua_cong_ty_bao_hiem\">IV.\u00a0Ng\u01b0\u1eddi Vi\u1ec7t c\u00f3 \u00e1c c\u1ea3m qua c\u00e1c \u201cph\u1ed1t tr\u00ean m\u1ea1ng\u201d c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/span><\/span><\/h2>\n<figure id=\"attachment_1062\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"aligncenter size-full wp-image-186\" src=\"http:\/\/baohiemtoiyeu.com\/wp-content\/uploads\/2018\/01\/ac-cam-voi-bao-hiem-tren-mang-xa-hoi-.jpg\" alt=\"\" width=\"382\" height=\"275\" srcset=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/ac-cam-voi-bao-hiem-tren-mang-xa-hoi-.jpg 382w, https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/ac-cam-voi-bao-hiem-tren-mang-xa-hoi--300x216.jpg 300w\" sizes=\"(max-width: 382px) 100vw, 382px\" \/><figcaption class=\"wp-caption-text\">C\u00e1c v\u1ee5 \u201cl\u00f9m x\u00f9m\u201d khi\u1ebfn ng\u01b0\u1eddi Vi\u1ec7t s\u1ee3 b\u1ea3o hi\u1ec3m h\u01a1n.<\/figcaption><\/figure>\n<p>\u0110\u00e2y th\u1ef1c s\u1ef1 l\u00e0 1 v\u1ea5n \u0111\u1ec1 nan gi\u1ea3i t\u1ea1i Vi\u1ec7t Nam, c\u00f3 2 tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra:<\/p>\n<ol>\n<li><strong>L\u00e0 kh\u00e1ch h\u00e0ng th\u1eadt<\/strong>: Khi \u0111\u00f2i quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m m\u1edbi ng\u1edb ng\u01b0\u1eddi ra v\u00ec s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m x\u1ea3y ra n\u1eb1m trong danh m\u1ee5c lo\u1ea1i tr\u1eeb trong h\u1ee3p \u0111\u1ed3ng. L\u1ed7i thu\u1ed9c v\u1ec1 kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng, v\u00e0 ng\u01b0\u1eddi t\u01b0 v\u1ea5n kh\u00f4ng l\u00e0m tr\u00f2n tr\u00e1ch nhi\u1ec7m gi\u00fap kh\u00e1ch h\u00e0ng hi\u1ec3u\u2026 C\u00f3 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng b\u1ecb lo\u1ea1i tr\u1eeb chi tr\u1ea3 v\u00ec b\u1ec7nh l\u00fd c\u00f3 s\u1eb5n (tr\u01b0\u1edbc khi k\u00fd h\u1ee3p \u0111\u1ed3ng) nh\u01b0ng kh\u00f4ng khai b\u00e1o th\u00e0nh th\u1eadt, d\u1eabn t\u1edbi vi\u1ec7c t\u1eeb ch\u1ed1i chi tr\u1ea3 r\u1ed3i ki\u1ec7n t\u1ee5ng\u2026<\/li>\n<li><strong>L\u00e0 chi\u00eau tr\u00f2 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/strong>: S\u1ef1\u00a0c\u1ea1nh tranh\u00a0khi\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec1u c\u1ea7n kh\u00e1ch h\u00e0ng, v\u00e0 h\u1ecd t\u00ecm c\u00e1ch n\u00f3i x\u1ea5u nhau, t\u1ea1o ra c\u00e1c c\u00e2u chuy\u1ec7n khi\u1ebfn cho m\u1ecdi ng\u01b0\u1eddi ph\u1eabn n\u1ed9. Nh\u01b0ng n\u1ebfu ai tinh \u00fd, \u0111\u00e3 hi\u1ec3u v\u1ec1 lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ecdc r\u00f5 quy\u1ec3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1ebd th\u1ea5y c\u00e1c c\u00e2u chuy\u1ec7n \u0111\u01b0\u1ee3c n\u00eau ra \u0111\u1ec1u \u0111\u01b0\u1ee3c th\u1ec3 hi\u1ec7n r\u00f5 trong c\u00e1c \u0111i\u1ec1u kho\u1ea3n (<em>&gt;&gt; \u0110\u1ecdc ngay:\u00a0C\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb chi tr\u1ea3 b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/em>).<\/li>\n<\/ol>\n<p>V\u1edbi tr\u01b0\u1eddng h\u1ee3p s\u1ed1 (1), ng\u01b0\u1eddi t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m ph\u1ea3i l\u00e0 ng\u01b0\u1eddi t\u01b0 v\u1ea5n c\u00f3 t\u00e2m, c\u00f3 tr\u00e1ch nhi\u1ec7m \u0111\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng c\u00f3 g\u00f3c nh\u00ecn \u0111\u1ea7y \u0111\u1ee7 nh\u1ea5t v\u1ec1 quy\u1ec1n l\u1ee3i m\u00ecnh s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng, v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a m\u00ecnh v\u1edbi c\u00f4ng ty.<\/p>\n<p>V\u1edbi tr\u01b0\u1eddng h\u1ee3p s\u1ed1 (2), ch\u1ec9 v\u00ec mu\u1ed1n d\u00ecm \u0111\u1ed1i th\u1ee7 xu\u1ed1ng m\u00e0 v\u00f4 t\u00ecnh l\u00e0m cho ng\u01b0\u1eddi d\u00e2n Vi\u1ec7t v\u1ed1n \u0111\u00e3 hoang mang, nay c\u00e0ng hoang mang h\u01a1n. T\u00f4i hi v\u1ecdng, nh\u1eefng ai \u0111ang l\u00e0m ngh\u1ec1, h\u00e3y \u0111\u1eb7t CH\u1eee T\u00c2M L\u00caN TR\u00caN \u0110\u1ea6U tr\u01b0\u1edbc khi \u0111\u1ecbnh l\u00e0m \u0111i\u1ec1u \u0111\u00f3.<\/p>\n<blockquote><p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1ea1i Vi\u1ec7t Nam \u0111\u1ec1u \u0111\u01b0\u1ee3c ch\u00ednh ph\u1ee7 c\u1ea5p ph\u00e9p ho\u1ea1t \u0111\u1ed9ng, v\u00e0 ch\u1ecbu s\u1ef1 gi\u00e1m s\u00e1t c\u1ee7a B\u1ed9 t\u00e0i ch\u00ednh theo Lu\u1eadt kinh doanh b\u1ea3o hi\u1ec3m do ch\u00ednh ph\u1ee7 ban h\u00e0nh. Ng\u01b0\u1eddi tham gia c\u1ea7n ph\u1ea3i \u0111\u1ecdc k\u1ef9 c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong b\u1ed9 h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c giao, c\u00f3 tr\u00e1ch nhi\u1ec7m y\u00eau c\u1ea7u ph\u00eda c\u00f4ng ty b\u1ea3o hi\u1ec3m gi\u1ea3i \u0111\u00e1p c\u00e1c th\u1eafc m\u1eafc.<\/p>\n<p>Trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng th\u1ec3 gi\u1ea3i quy\u1ebft \u1ed5n th\u1ecfa, ng\u01b0\u1eddi tham gia c\u00f3 th\u1ec3 ki\u1ec7n c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ra t\u00f2a \u00e1n \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft.<\/p><\/blockquote>\n<p>&nbsp;<\/p>\n<p>V\u1eady l\u00e0 b\u1ea1n \u0111\u00e3 hi\u1ec3u nh\u1eefng l\u00fd do ph\u1ed5 bi\u1ebfn khi\u1ebfn ng\u01b0\u1eddi Vi\u1ec7t ta gh\u00e9t\u00a0b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd r\u1ed3i \u0111\u00fang kh\u00f4ng?<\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u1ed9i dung ch&iacute;nh1 I. Ng\u01b0\u1eddi Vi\u1ec7t kh\u00f4ng th\u00edch nh\u1eafc t\u1edbi r\u1ee7i ro2 II. Ng\u01b0\u1eddi Vi\u1ec7t\u00a0kh\u00f4ng th\u00edch c\u00e1c c\u00f4ng ty b\u1ea3o &hellip; <a class=\"link-more\" href=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/?p=183\" class=\"more-link\">\u0110\u1ecdc th\u00eam &raquo;<span class=\"screen-reader-text\"> &#8220;V\u00ec sao ng\u01b0\u1eddi Vi\u1ec7t gh\u00e9t b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":185,"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\/183"}],"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=183"}],"version-history":[{"count":1,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts\/183\/revisions"}],"predecessor-version":[{"id":189,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts\/183\/revisions\/189"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/media\/185"}],"wp:attachment":[{"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=183"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=183"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=183"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}