{"id":197,"date":"2018-01-31T16:39:03","date_gmt":"2018-01-31T09:39:03","guid":{"rendered":"http:\/\/baohiemtoiyeu.com\/?p=197"},"modified":"2018-01-31T16:39:03","modified_gmt":"2018-01-31T09:39:03","slug":"bao-hiem-nhan-tho-hay-ngan-hang","status":"publish","type":"post","link":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/?p=197","title":{"rendered":"B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd hay ng\u00e2n h\u00e0ng?"},"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=\"#SU_GIONG_NHAU_GIUA_NGAN_HANG_VA_CONG_TY_BAO_HIEM\"><span class=\"toc_number toc_depth_1\">1<\/span> S\u1ef0 GI\u1ed0NG NHAU GI\u1eeeA NG\u00c2N H\u00c0NG V\u00c0 C\u00d4NG TY B\u1ea2O HI\u1ec2M<\/a><\/li><li><a href=\"#SU_KHAC_NHAU_GIUA_NGAN_HANG_VA_BAO_HIEM_NHAN_THO\"><span class=\"toc_number toc_depth_1\">2<\/span> S\u1ef0 KH\u00c1C NHAU GI\u1eeeA NG\u00c2N H\u00c0NG V\u00c0 B\u1ea2O HI\u1ec2M NH\u00c2N TH\u1ecc<\/a><\/li><li><a href=\"#VAY_NEN_BO_NGAN_HANG_QUAY_SANG_BAO_HIEM_NHAN_THO_KHONG\"><span class=\"toc_number toc_depth_1\">3<\/span> V\u1eacY N\u00caN B\u1ece NG\u00c2N H\u00c0NG, QUAY SANG B\u1ea2O HI\u1ec2M NH\u00c2N TH\u1ecc KH\u00d4NG?<\/a><\/li><\/ul><\/div>\n<p>Ch\u1eafc h\u1eb3n ai\u00a0c\u0169ng mu\u1ed1n bi\u1ebft c\u00e2u tr\u1ea3 l\u1eddi cho c\u00e2u h\u1ecfi\u00a0<strong>N\u00ean g\u1eedi ti\u1ec1n \u1edf ng\u00e2n h\u00e0ng hay b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/strong>? Theo b\u1ea1n, ch\u00fang ta n\u00ean \u0111\u1ec3 ti\u1ec1n \u1edf \u0111\u00e2u? Tr\u01b0\u1edbc khi tr\u1ea3 l\u1eddi \u0111\u01b0\u1ee3c c\u00e2u h\u1ecfi n\u00e0y, ch\u00fang ta h\u00e3y c\u00f9ng t\u00ecm hi\u1ec3u th\u00eam th\u00f4ng tin v\u1ec1 2 h\u00ecnh th\u1ee9c ti\u1ebft ki\u1ec7m n\u00e0y nh\u00e9.<\/p>\n<h2><span id=\"SU_GIONG_NHAU_GIUA_NGAN_HANG_VA_CONG_TY_BAO_HIEM\">S\u1ef0 GI\u1ed0NG NHAU GI\u1eeeA NG\u00c2N H\u00c0NG V\u00c0 C\u00d4NG TY B\u1ea2O HI\u1ec2M<\/span><\/h2>\n<p>C\u1ea3 hai \u0111\u1ec1u ho\u1ea1t \u0111\u1ed9ng d\u01b0\u1edbi s\u1ef1 cho ph\u00e9p c\u1ee7a nh\u00e0 n\u01b0\u1edbc, ch\u1ecbu s\u1ef1 gi\u00e1m s\u00e1t tr\u1ef1c ti\u1ebfp c\u1ee7a B\u1ed9 t\u00e0i ch\u00ednh v\u00e0 Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc.<\/p>\n<p>C\u1ea3 hai \u0111\u1ec1u c\u00f9ng m\u00f4 h\u00ecnh\u00a0<strong>Huy \u0111\u1ed9ng v\u1ed1n c\u1ee7a ng\u01b0\u1eddi d\u00e2n<\/strong>\u00a0\u0111\u1ec3 kinh doanh, \u0111\u1ea7u t\u01b0 sinh l\u1eddi, ng\u01b0\u1eddi d\u00e2n \u0111\u01b0\u1ee3c h\u01b0\u1edfng\u00a0<strong>l\u00e3i d\u1ef1a tr\u00ean l\u00e3i su\u1ea5t \u0111\u1ea7u t\u01b0<\/strong>.<\/p>\n<p>H\u00e0ng n\u0103m c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 b\u1ea3o hi\u1ec3m \u0111\u1ec1u ph\u1ea3i k\u00fd qu\u1ef9 (n\u1ed9p ti\u1ec1n v\u00e0o qu\u1ef9) do B\u1ed9 t\u00e0i ch\u00ednh ki\u1ec3m so\u00e1t, qu\u1ef9 n\u00e0y d\u00f9ng \u0111\u1ec3 ph\u00f2ng ng\u1eeba tr\u01b0\u1eddng h\u1ee3p r\u1ee7i ro v\u1edbi doanh nghi\u1ec7p (ph\u00e1 s\u1ea3n).\u00a0Nh\u00e0 n\u01b0\u1edbc c\u00f3 tr\u00e1ch nhi\u1ec7m \u0111\u1ee9ng ra d\u00e0n x\u1ebfp b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi d\u00e2n trong tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c ng\u00e2n h\u00e0ng ph\u00e1 s\u1ea3n.<\/p>\n<p>&nbsp;<\/p>\n<h2><span id=\"SU_KHAC_NHAU_GIUA_NGAN_HANG_VA_BAO_HIEM_NHAN_THO\">S\u1ef0 KH\u00c1C NHAU GI\u1eeeA NG\u00c2N H\u00c0NG V\u00c0 B\u1ea2O HI\u1ec2M NH\u00c2N TH\u1ecc<\/span><\/h2>\n<p>\u0110\u1ec3 so s\u00e1nh, \u0111\u00e1nh gi\u00e1 m\u1ed9t c\u00e1ch kh\u00e1ch quan, S\u1ef1 Th\u1eadt B\u1ea3o Hi\u1ec3m s\u1ebd \u0111\u00e1nh gi\u00e1 theo t\u1eebng ti\u00eau ch\u00ed kh\u00e1c nhau:<\/p>\n<table width=\"796\">\n<tbody>\n<tr>\n<td style=\"text-align: center;\" width=\"143\"><\/td>\n<td style=\"text-align: center;\" width=\"287\"><strong>TI\u1ebeT KI\u1ec6M QUA NG\u00c2N\u00a0 H\u00c0NG<\/strong><\/td>\n<td style=\"text-align: center;\" width=\"366\"><strong>TI\u1ebeT KI\u1ec6M QUA B\u1ea2O HI\u1ec2M NH\u00c2N TH\u1ecc<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><strong>Th\u1eddi h\u1ea1n ti\u1ebft ki\u1ec7m<\/strong><\/td>\n<td style=\"text-align: center;\">Ng\u1eafn h\u1ea1n, Trung h\u1ea1n, D\u00e0i h\u1ea1n<\/td>\n<td style=\"text-align: center;\">Ch\u1ec9 d\u00e0i h\u1ea1n (theo s\u1ed1 n\u0103m tr\u00ean H\u0110)<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><strong>H\u00ecnh th\u1ee9c ti\u1ebft ki\u1ec7m<\/strong><\/td>\n<td style=\"text-align: center;\">N\u1ed9p v\u00e0o 1 s\u1ed1 ti\u1ec1n l\u1edbn ngay l\u1eadp t\u1ee9c<\/td>\n<td style=\"text-align: center;\">N\u1ed9p g\u00f3p h\u00e0ng n\u0103m s\u1ed1 ti\u1ec1n nh\u1ecf h\u01a1n<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><strong>L\u00e3i su\u1ea5t ti\u1ebft ki\u1ec7m<\/strong><\/td>\n<td style=\"text-align: center;\">C\u1ed1 \u0111\u1ecbnh t\u1ea1i th\u1eddi \u0111i\u1ec3m g\u1eedi ti\u1ec1n<\/td>\n<td style=\"text-align: center;\">T\u0103ng, gi\u1ea3m t\u1eebng n\u0103m t\u00f9y thu\u1ed9c v\u00e0o L\u00e3i \u0111\u1ea7u t\u01b0 th\u1ef1c t\u1ebf<\/td>\n<\/tr>\n<tr>\n<td style=\"text-align: center;\"><strong>Khi mu\u1ed1n r\u00fat ti\u1ec1n<\/strong><\/td>\n<td style=\"text-align: center;\">C\u00f3 th\u1ec3 r\u00fat b\u1ea5t k\u1ef3 l\u00fac n\u00e0o (l\u00e3i s\u1ebd gi\u1ea3m th\u1ea5p)<\/td>\n<td style=\"text-align: center;\">R\u00fat theo \u0111\u00fang giai \u0111o\u1ea1n \u0111\u00e3 cam k\u1ebft ban \u0111\u1ea7u<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Ch\u00fang ta th\u01b0\u1eddng mu\u1ed1n g\u1eedi ti\u1ec1n \u1edf ng\u00e2n h\u00e0ng h\u01a1n l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, b\u1edfi\u00a0<strong>th\u00edch r\u00fat l\u00fac n\u00e0o c\u0169ng \u0111\u01b0\u1ee3c<\/strong>.\u00a0B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef3 h\u1ea1n d\u00e0i, c\u00f4ng ty b\u1ea3o hi\u1ec3m chi tr\u1ea3 theo t\u1eebng \u0111\u1ee3t \u0111\u00e3 cam k\u1ebft trong h\u1ee3p \u0111\u1ed3ng ch\u1ee9 kh\u00f4ng ph\u1ea3i th\u00edch r\u00fat l\u00fac n\u00e0o l\u00e0 r\u00fat.<\/p>\n<p>&nbsp;<\/p>\n<p>Tuy nhi\u00ean, \u0111\u1ec3 th\u1ea5y \u0111\u01b0\u1ee3c s\u1ef1 \u01b0u vi\u1ec7t c\u1ee7a B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd so v\u1edbi c\u00e1c h\u00ecnh th\u1ee9c ti\u1ebft ki\u1ec7m kh\u00e1c, ch\u00fang ta s\u1ebd c\u00f9ng xem b\u1ea3ng minh h\u1ecda sau:<\/p>\n<figure id=\"attachment_1411\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"aligncenter size-full wp-image-199\" src=\"http:\/\/baohiemtoiyeu.com\/wp-content\/uploads\/2018\/01\/so-sanh-bao-hiem-va-ngan-hang.jpg\" alt=\"\" width=\"688\" height=\"507\" srcset=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/so-sanh-bao-hiem-va-ngan-hang.jpg 688w, https:\/\/c301-baohiemtoiyeu.com-vn.net\/wp-content\/uploads\/2018\/01\/so-sanh-bao-hiem-va-ngan-hang-300x221.jpg 300w\" sizes=\"(max-width: 688px) 100vw, 688px\" \/><figcaption class=\"wp-caption-text\">So s\u00e1nh ti\u1ebft ki\u1ec7m th\u00f4ng th\u01b0\u1eddng (ng\u00e2n h\u00e0ng) v\u00e0 Ti\u1ebft ki\u1ec7m th\u00f4ng minh (B\u1ea3o hi\u1ec3m)<\/figcaption><\/figure>\n<p>Qua b\u1ea3ng minh h\u1ecda tr\u00ean, ch\u00fang ta c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01b0\u1ee3c Ti\u1ebft ki\u1ec7m Qua\u00a0<strong>ng\u00e2n h\u00e0ng gi\u00fap ch\u00fang ta Gi\u1eef \u0111\u01b0\u1ee3c nh\u1eefng g\u00ec m\u00ecnh \u0111\u00e3\u00a0c\u00f3<\/strong>, c\u00f2n Ti\u1ebft ki\u1ec7m qua\u00a0<strong>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd gi\u00fap ch\u00fang ta \u0110\u1ea1t \u0111\u01b0\u1ee3c nh\u1eefng g\u00ec m\u00ecnh mu\u1ed1n c\u00f3<\/strong>.<\/p>\n<h2><span id=\"VAY_NEN_BO_NGAN_HANG_QUAY_SANG_BAO_HIEM_NHAN_THO_KHONG\">V\u1eacY N\u00caN B\u1ece NG\u00c2N H\u00c0NG, QUAY SANG B\u1ea2O HI\u1ec2M NH\u00c2N TH\u1ecc KH\u00d4NG?<\/span><\/h2>\n<p>V\u1eady b\u1ea1n ngh\u0129 m\u00ecnh c\u00f3 n\u00ean R\u00daT H\u1ebeT TI\u1ec0N TRONG S\u1ed4 TI\u1ebeT KI\u1ec6M RA \u0110\u1ec2 G\u1eecI V\u00c0O B\u1ea2O HI\u1ec2M NH\u00c2N TH\u1ecc KH\u00d4NG? B\u1ea1n c\u00f3 mu\u1ed1n kh\u00f4ng?<\/p>\n<p>\u0110\u1eebng nh\u00e9! \u0110\u1eebng l\u00e0m nh\u01b0 th\u1ebf. B\u1edfi v\u00ec:\u00a0<strong>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ch\u1ec9 y\u00eau c\u1ea7u n\u1ed9p s\u1ed1 ti\u1ec1n nh\u1ecf h\u00e0ng n\u0103m<\/strong>, l\u00e0 \u0111\u00e3\u00a0<strong>\u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 v\u00e0 chi tr\u1ea3 quy\u1ec1n l\u1ee3i l\u00e0 s\u1ed1 ti\u1ec1n l\u1edbn<\/strong>. B\u1ea1n g\u1eedi ngay l\u1eadp t\u1ee9c 1 c\u1ee5c ti\u1ec1n v\u1eabn nh\u01b0 v\u1eady. \u0110ang ti\u1ebft ki\u1ec7m \u1edf \u0111\u00e2u th\u00ec v\u1eabn ti\u1ebft ki\u1ec7m \u1edf \u0111\u00f3, ch\u1ec9 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nh\u01b0 l\u00e0 1 h\u00ecnh th\u1ee9c ti\u1ebft ki\u1ec7m th\u00eam, gi\u00fap ph\u00f2ng c\u00e1c r\u1ee7i ro v\u1ec1 s\u1ee9c kh\u1ecfe.<\/p>\n<p>Khi r\u1ee7i ro x\u1ea3y ra, h\u00e3y l\u1ea5y ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u1ec3 s\u1eed d\u1ee5ng, kh\u00f4ng c\u1ea7n \u0111\u1ed9ng t\u1edbi c\u00e1c kho\u1ea3n ti\u1ebft ki\u1ec7m kh\u00e1c. \u0110\u00f3 m\u1edbi l\u00e0 ph\u01b0\u01a1ng \u00e1n t\u1ed1t nh\u1ea5t.<\/p>\n<p><strong>\u0110\u1ec3 t\u00f4i l\u1ea5y v\u00ed d\u1ee5<\/strong>: B\u1ea1n c\u00f3 200 tri\u1ec7u \u0111ang g\u1eedi ng\u00e2n h\u00e0ng, b\u00e2y gi\u1edd b\u1ea1n mu\u1ed1n tham gia c\u1ea3 B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 ng\u00e2n h\u00e0ng th\u00ec l\u00e0m sao?<\/p>\n<p>Ph\u01b0\u01a1ng \u00e1n t\u1ed1t: B\u1ea1n n\u00ean tr\u00edch ra 15 tri\u1ec7u \u0111\u1ec3 tham gia b\u1ea3o hi\u1ec3m \u0111\u1ec3 c\u00f3 ngay c\u00e1c quy\u1ec1n l\u1ee3i nh\u01b0 b\u1ea3ng minh h\u1ecda ph\u00eda tr\u00ean. 185 tri\u1ec7u c\u00f2n l\u1ea1i, b\u1ea1n ti\u1ebfp t\u1ee5c g\u1eedi ng\u00e2n h\u00e0ng. L\u1ea5y s\u1ed1 ti\u1ec1n l\u00e3i h\u00e0ng n\u0103m c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u1ec3 n\u1ed9p ph\u00ed tham gia b\u1ea3o hi\u1ec3m c\u00e1c n\u0103m ti\u1ebfp theo.<\/p>\n<p>Nh\u01b0 v\u1eady, kho\u1ea3n ti\u1ec1n ti\u1ebft ki\u1ec7m c\u1ee7a b\u1ea1n v\u1eabn \u0111\u01b0\u1ee3c b\u1ea3o l\u01b0u, nh\u1ee1 \u1ed1m \u0111au, b\u1ec7nh t\u1eadt r\u1ee7i ro \u0111\u00e3 c\u00f3 th\u00eam 1 kho\u1ea3n ti\u1ec1n l\u1edbn t\u1eeb B\u1ea3o hi\u1ec3m \u0111\u1ec3 ch\u1ea1y ch\u1eefa, lo c\u00f4ng vi\u1ec7c. Nh\u01b0 v\u1eady c\u00f3 ph\u1ea3i t\u1ed1t h\u01a1n kh\u00f4ng?<\/p>\n<p>&nbsp;<\/p>\n<p>Qua nh\u1eefng chia s\u1ebb tr\u00ean, t\u00f4i tin r\u1eb1ng b\u1ea1n \u0111\u00e3 hi\u1ec3u nh\u1eefng l\u1ee3i \u00edch m\u00e0 B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd mang l\u1ea1i. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 1 k\u00eanh ti\u1ebft ki\u1ec7m th\u00eam ngo\u00e0i nh\u1eefng k\u00eanh ti\u1ebft ki\u1ec7m \u0111\u00e3 c\u00f3, gi\u00fap ph\u00f2ng ng\u1eeba c\u00e1c r\u1ee7i ro g\u1eb7p ph\u1ea3i li\u00ean quan t\u1edbi s\u1ee9c kh\u1ecfe, t\u00ednh m\u1ea1ng. Ch\u00fang ta kh\u00f4ng n\u00ean b\u1ecf tr\u1ee9ng v\u00e0o 1 gi\u1ecf m\u00e0. \u0110\u00fang kh\u00f4ng?!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u1ed9i dung ch&iacute;nh1 S\u1ef0 GI\u1ed0NG NHAU GI\u1eeeA NG\u00c2N H\u00c0NG V\u00c0 C\u00d4NG TY B\u1ea2O HI\u1ec2M2 S\u1ef0 KH\u00c1C NHAU GI\u1eeeA NG\u00c2N H\u00c0NG &hellip; <a class=\"link-more\" href=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/?p=197\" class=\"more-link\">\u0110\u1ecdc th\u00eam &raquo;<span class=\"screen-reader-text\"> &#8220;B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd hay ng\u00e2n h\u00e0ng?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":198,"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\/197"}],"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=197"}],"version-history":[{"count":1,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts\/197\/revisions"}],"predecessor-version":[{"id":200,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts\/197\/revisions\/200"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/media\/198"}],"wp:attachment":[{"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=197"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=197"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=197"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}