{"id":206,"date":"2018-01-31T16:44:09","date_gmt":"2018-01-31T09:44:09","guid":{"rendered":"http:\/\/baohiemtoiyeu.com\/?p=206"},"modified":"2018-01-31T16:44:09","modified_gmt":"2018-01-31T09:44:09","slug":"bao-hiem-nhan-tho-la-gi","status":"publish","type":"post","link":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/?p=206","title":{"rendered":"B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 g\u00ec?"},"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=\"#Bao_hiem_nhan_tho_la_gi\"><span class=\"toc_number toc_depth_1\">1<\/span> B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 g\u00ec?<\/a><\/li><li><a href=\"#Bao_hiem_nhan_tho_duoc_don_nhan_va_duoc_phat_trien_nho_cac_Quy_tac_sau\"><span class=\"toc_number toc_depth_1\">2<\/span> B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c \u0111\u00f3n nh\u1eadn v\u00e0 \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n nh\u1edd c\u00e1c Quy t\u1eafc sau:<\/a><ul><li><a href=\"#Quy_tac_so_1_So_dong_bu_so_it_chia_se_rui_ro\"><span class=\"toc_number toc_depth_2\">2.1<\/span> Quy t\u1eafc s\u1ed1 1: S\u1ed1 \u0111\u00f4ng b\u00f9 s\u1ed1 \u00edt, chia s\u1ebb r\u1ee7i ro<\/a><\/li><li><a href=\"#Quy_tac_so_2_Tien_phai_duoc_dau_tu_tai_Viet_Nam\"><span class=\"toc_number toc_depth_2\">2.2<\/span> Quy t\u1eafc s\u1ed1 2: Ti\u1ec1n ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 t\u1ea1i Vi\u1ec7t Nam<\/a><\/li><li><a href=\"#Quy_tac_so_3_Tao_nep_song_tiet_kiem_cho_xa_hoi\"><span class=\"toc_number toc_depth_2\">2.3<\/span> Quy t\u1eafc s\u1ed1 3: T\u1ea1o n\u1ebfp s\u1ed1ng ti\u1ebft ki\u1ec7m cho x\u00e3 h\u1ed9i<\/a><\/li><li><a href=\"#Quy_tac_so_4Mien_thue\"><span class=\"toc_number toc_depth_2\">2.4<\/span> Quy t\u1eafc s\u1ed1 4:\u00a0Mi\u1ec5n thu\u1ebf<\/a><\/li><\/ul><\/li><li><a href=\"#Tom_tat_ve_Bao_Hiem_nhan_tho\"><span class=\"toc_number toc_depth_1\">3<\/span> T\u00f3m t\u1eaft v\u1ec1 B\u1ea3o Hi\u1ec3m nh\u00e2n th\u1ecd<\/a><\/li><\/ul><\/div>\n<p>Ch\u00fang ta \u0111\u00e3 nghe b\u1ea1n b\u00e8, \u0111\u1ed3ng nghi\u1ec7p, b\u00e1o ch\u00ed, tivi \u0111\u01b0a nhi\u1ec1u th\u00f4ng tin v\u1ec1 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nh\u01b0ng v\u1eabn kh\u00f4ng hi\u1ec3u th\u1ef1c ch\u1ea5t\u00a0<strong>b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 g\u00ec<\/strong>?\u00a0B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 g\u00ec, c\u0169ng nh\u01b0\u00a0<strong>vai tr\u00f2 c\u1ee7a BHNT v\u1edbi x\u00e3 h\u1ed9i<\/strong>.<\/p>\n<h2><span id=\"Bao_hiem_nhan_tho_la_gi\"><span id=\"Bao_hiem_nhan_tho_la_gi\">B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 g\u00ec?<\/span><\/span><\/h2>\n<p>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0\u00a0<em>lo\u1ea1i h\u00ecnh kinh doanh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/em>, l\u00e0 h\u00ecnh th\u1ee9c\u00a0<strong>b\u1ea3o hi\u1ec3m cho t\u00ednh m\u1ea1ng con ng\u01b0\u1eddi<\/strong>\u00a0(nh\u00e2n th\u1ecd). Ch\u00fang ta quen v\u1edbi c\u00e1c\u00a0lo\u1ea1i h\u00ecnh\u00a0<strong>b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd<\/strong>\u00a0(b\u1ea3o hi\u1ec3m d\u00e0nh cho t\u00e0i s\u1ea3n),\u00a0<strong>b\u1ea3o hi\u1ec3m y t\u1ebf<\/strong>\u00a0(d\u00e0nh cho s\u1ee9c kh\u1ecfe) ch\u1ee9 \u00edt bi\u1ebft v\u00e0 kh\u00f4ng quan t\u00e2m t\u1edbi\u00a0<strong>b\u1ea3o hi\u1ec3m d\u00e0nh cho t\u00ednh m\u1ea1ng con ng\u01b0\u1eddi<\/strong>\u00a0(b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd).<\/p>\n<p>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd b\u1eaft \u0111\u1ea7u\u00a0<em>h\u00ecnh th\u00e0nh t\u1eeb nh\u1eefng n\u0103m La M\u00e3 c\u1ed5 x\u01b0a<\/em>,\u00a0thu\u1edf \u0111\u1ea7u nh\u1eefng ng\u01b0\u1eddi tham gia\u00a0<strong>ch\u1ec9 \u0111\u01b0\u1ee3c chi tr\u1ea3 ti\u1ec1n khi \u0111\u00e3 ch\u1ebft<\/strong>, ti\u1ec1n s\u1ebd chuy\u1ec3n v\u1ec1 cho ng\u01b0\u1eddi th\u00e2n c\u00f2n s\u1ed1ng trong gia \u0111\u00ecnh. Qua th\u1eddi gian,\u00a0b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c\u00a0<strong>b\u1ed5 sung nhi\u1ec1u quy\u1ec1n l\u1ee3i h\u01a1n<\/strong>, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ng\u00e0y\u00a0nay chi tr\u1ea3 quy\u1ec1n l\u1ee3i cho kh\u00e1ch h\u00e0ng ngay c\u1ea3 khi h\u1ecd c\u00f2n s\u1ed1ng ho\u1eb7c \u0111\u00e3 ch\u1ebft.<\/p>\n<p>Qua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd,\u00a0nh\u1eefng ng\u01b0\u1eddi tham gia s\u1ebd k\u00fd h\u1ee3p \u0111\u1ed3ng v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u00f3ng ph\u00ed tham gia. S\u1ed1 ti\u1ec1n ph\u00ed n\u00e0y s\u1ebd do\u00a0<strong>c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u1eafm gi\u1eef<\/strong>\u00a0d\u01b0\u1edbi s\u1ef1 ki\u1ec3m so\u00e1t c\u1ee7a B\u1ed9 t\u00e0i ch\u00ednh v\u00e0 Ng\u00e2n h\u00e0ng nh\u00e0 n\u01b0\u1edbc.<\/p>\n<p><strong>C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd chia nh\u1ecf:<\/strong>\u00a0Ph\u1ea7n l\u1edbn s\u1ed1 ti\u1ec1n n\u00e0y \u0111\u01b0\u1ee3c chuy\u1ec3n sang\u00a0<strong>Qu\u1ef9 r\u1ee7i ro<\/strong>\u00a0(chi tr\u1ea3 ti\u1ec1n cho ng\u01b0\u1eddi tham gia n\u1ebfu g\u1eb7p r\u1ee7i ro ho\u1eb7c \u0111\u00e1o h\u1ea1n h\u1ee3p \u0111\u1ed3ng); M\u1ed9t ph\u1ea7n nh\u1ecf \u0111\u1ec3\u00a0<strong>chi tr\u1ea3 c\u00e1c chi ph\u00ed c\u1ed1 \u0111\u1ecbnh<\/strong>\u00a0cho c\u00f4ng ty b\u1ea3o hi\u1ec3m; Ph\u1ea7n c\u00f2n l\u1ea1i c\u00f4ng ty BH s\u1ebd\u00a0<strong>mang \u0111i \u0111\u1ea7u t\u01b0<\/strong>, l\u00e3i t\u1eeb vi\u1ec7c \u0111\u1ea7u t\u01b0 s\u1ebd\u00a0<strong>chia m\u1ed9t ph\u1ea7n cho kh\u00e1ch h\u00e0ng<\/strong>, ph\u1ea7n c\u00f2n l\u1ea1i cu\u1ed1i c\u00f9ng g\u1ecdi l\u00e0\u00a0<strong>l\u1ee3i nhu\u1eadn c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/strong>.<\/p>\n<p>C\u00f3 th\u1ec3 hi\u1ec3u:\u00a0C\u00f4ng ty b\u1ea3o hi\u1ec3m huy \u0111\u1ed9ng v\u1ed1n t\u1eeb ng\u01b0\u1eddi tham gia \u0111\u1ec3 mang \u0111i \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n (10-15 n\u0103m), kh\u00e1ch h\u00e0ng s\u1ebd nh\u1eadn v\u1ec1 quy\u1ec1n l\u1ee3i b\u1ea3o v\u1ec7 t\u00ednh m\u1ea1ng, s\u1ee9c kh\u1ecfe cho b\u1ea3n th\u00e2n m\u00ecnh k\u00e8m theo l\u00e3i su\u1ea5t v\u00e0 b\u1ea3o t\u1ee9c tr\u00ean kho\u1ea3n ti\u1ec1n m\u00ecnh tham gia.<\/p>\n<h2><span id=\"Bao_hiem_nhan_tho_duoc_don_nhan_va_duoc_phat_trien_nho_cac_Quy_tac_sau\"><span id=\"Bao_hiem_nhan_tho_duoc_don_nhan_va_duoc_phat_trien_nho_cac_Quy_tac_sau\">B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c \u0111\u00f3n nh\u1eadn v\u00e0 \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n nh\u1edd c\u00e1c Quy t\u1eafc sau:<\/span><\/span><\/h2>\n<h3><span id=\"Quy_tac_so_1_So_dong_bu_so_it_chia_se_rui_ro\"><span id=\"Quy_tac_so_1_So_dong_bu_so_it_chia_se_rui_ro\">Quy t\u1eafc s\u1ed1 1: S\u1ed1 \u0111\u00f4ng b\u00f9 s\u1ed1 \u00edt, chia s\u1ebb r\u1ee7i ro<\/span><\/span><\/h3>\n<p>Nhi\u1ec1u ng\u01b0\u1eddi c\u00f9ng tham gia b\u1ea3o hi\u1ec3m, nh\u01b0ng kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 \u0111\u1ec1u g\u1eb7p r\u1ee7i ro trong cu\u1ed9c s\u1ed1ng, ch\u1ec9 1 s\u1ed1 \u00edt c\u00f3 th\u1ec3 g\u1eb7p r\u1ee7i ro v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd\u00a0<strong>tr\u00edch ph\u1ea7n ti\u1ec1n t\u1eeb Qu\u1ef9 r\u1ee7i ro \u0111\u1ec3 chi tr\u1ea3 quy\u1ec1n l\u1ee3i<\/strong>cho ng\u01b0\u1eddi b\u1ea5t h\u1ea1nh (s\u1ed1 ti\u1ec1n n\u00e0y l\u1edbn g\u1ea5p h\u00e0ng ch\u1ee5c, h\u00e0ng tr\u0103m l\u1ea7n nh\u1eefng g\u00ec m\u00e0 ng\u01b0\u1eddi \u0111\u00f3 \u0111\u00e3 \u0111\u00f3ng g\u00f3p).<\/p>\n<p>Nh\u1eefng ai may m\u1eafn, s\u1ed1ng kh\u1ecfe v\u00e0 an b\u00ecnh s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i t\u01b0\u01a1ng \u1ee9ng l\u00e0 l\u00e3i + b\u1ea3o t\u1ee9c tr\u00ean s\u1ed1 ti\u1ec1n m\u00ecnh \u0111\u00e3 \u0111\u00f3ng g\u00f3p.<\/p>\n<p>Khi tham gia b\u1ea3o hi\u1ec3m, ch\u00fang ta \u0111\u00e3\u00a0<strong>chia s\u1ebb r\u1ee7i ro c\u1ee7a b\u1ea3n th\u00e2n m\u00ecnh v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi kh\u00e1c<\/strong>, do \u0111\u00f3\u00a0<strong>ng\u01b0\u1eddi c\u00f3 th\u1ec3 gi\u00fap ng\u01b0\u1eddi khi g\u1eb7p kh\u00f3 kh\u0103n<\/strong>. \u0110\u00e2y l\u00e0 l\u00fd do ng\u01b0\u1eddi ta g\u1ecdi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u00a0<strong>l\u00e0 nh\u00e2n v\u0103n<\/strong>, ch\u00fang ta \u0111\u01b0\u1ee3c nh\u1eefng ng\u01b0\u1eddi kh\u00e1c b\u1ea3o v\u1ec7 khi ta g\u1eb7p r\u1ee7i ro, khi ta may m\u1eafn, ta c\u00f3 th\u1ec3 gi\u00fap h\u1ecd.<\/p>\n<blockquote><p>&nbsp;<\/p><\/blockquote>\n<h3><span id=\"Quy_tac_so_2_Tien_phai_duoc_dau_tu_tai_Viet_Nam\"><span id=\"Quy_tac_so_2_Tien_phai_duoc_dau_tu_tai_Viet_Nam\">Quy t\u1eafc s\u1ed1 2: Ti\u1ec1n ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 t\u1ea1i Vi\u1ec7t Nam<\/span><\/span><\/h3>\n<p>X\u00e9t cho c\u00f9ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u1ecd c\u0169ng ph\u1ea3i c\u00f3 l\u1ee3i nhu\u1eadn \u0111\u1ec3 s\u1ed1ng. Nh\u00e0 n\u01b0\u1edbc ta\u00a0quy \u0111\u1ecbnh doanh thu t\u1eeb b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ph\u1ea3i \u0111\u01b0\u1ee3c d\u00e0nh ph\u1ea7n l\u1edbn \u0111\u1ec3 \u0111\u1ea7u t\u01b0 t\u1ea1i Vi\u1ec7t Nam, n\u1ebfu mu\u1ed1n \u0111\u1ea7u t\u01b0 sang n\u01b0\u1edbc ngo\u00e0i th\u00ec c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u01b0\u1ee3c s\u1ef1 cho ph\u00e9p c\u1ee7a B\u1ed9 T\u00e0i Ch\u00ednh. C\u00f4ng ty b\u1ea3o hi\u1ec3m ch\u1ec9 \u0111\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 n\u1ebfu nh\u00e0 n\u01b0\u1edbc cho ph\u00e9p:<\/p>\n<ul>\n<li><strong>\u0110\u1ea7u t\u01b0 tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7<\/strong>: Nh\u00e0 n\u01b0\u1edbc kh\u00f4ng gi\u1edbi h\u1ea1n s\u1ed1 l\u01b0\u1ee3ng khi \u0111\u1ea7u t\u01b0 v\u00e0o tr\u00e1i phi\u1ebfu ch\u00ednh ph\u1ee7 (cho nh\u00e0 n\u01b0\u1edbc vay ti\u1ec1n v\u1edbi k\u1ef3 h\u1ea1n 10-15-20 n\u0103m). Tr\u00e1i phi\u1ebfu ch\u00ednh ch\u1ee7 gi\u00fap nh\u00e0 n\u01b0\u1edbc c\u00f3 th\u00eam ti\u1ec1n trong ng\u00e2n qu\u1ef9, d\u00f9ng \u0111\u1ec3 x\u00e2y \u0111\u01b0\u1eddng, tr\u01b0\u1eddng, tr\u1ea1m\u2026 Sau 10-15-20 n\u0103m nh\u00e0 n\u01b0\u1edbc s\u1ebd tr\u1ea3 l\u1ea1i ti\u1ec1n \u0111\u00e3 vay c\u1ee7a doanh nghi\u1ec7p + l\u00e3i.<\/li>\n<li><strong>\u0110\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n, b\u1ea5t \u0111\u1ed9ng s\u1ea3n,\u2026<\/strong>: Cho ph\u00e9p c\u00e1c Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u1ea7u t\u01b0 c\u00e1c h\u1ea1ng m\u1ee5c n\u00e0y, nh\u01b0ng ph\u1ea3i n\u1eb1m trong gi\u1edbi h\u1ea1n cho ph\u00e9p (kh\u00f4ng \u0111\u01b0\u1ee3c v\u01b0\u1ee3t ng\u01b0\u1ee1ng).<\/li>\n<li><strong>C\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 kh\u00e1c<\/strong>: Ph\u1ea3i \u0111\u01b0\u1ee3c s\u1ef1 cho ph\u00e9p c\u1ee7a b\u1ed9 t\u00e0i ch\u00ednh.<\/li>\n<\/ul>\n<p>Nh\u01b0 v\u1eady, tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u0169ng l\u00e0\u00a0<strong>g\u00f3p ph\u1ea7n gi\u00fap \u0111\u1ea5t n\u01b0\u1edbc ph\u00e1t tri\u1ec3n h\u01a1n, nh\u00e0 n\u01b0\u1edbc c\u00f3 nhi\u1ec1u ti\u1ec1n \u0111\u1ec3 x\u00e2y nhi\u1ec1u c\u00f4ng tr\u00ecnh c\u00f4ng c\u1ed9ng cho nh\u00e2n d\u00e2n<\/strong>.<\/p>\n<h3><\/h3>\n<h3><span id=\"Quy_tac_so_3_Tao_nep_song_tiet_kiem_cho_xa_hoi\"><span id=\"Quy_tac_so_3_Tao_nep_song_tiet_kiem_cho_xa_hoi\">Quy t\u1eafc s\u1ed1 3: T\u1ea1o n\u1ebfp s\u1ed1ng ti\u1ebft ki\u1ec7m cho x\u00e3 h\u1ed9i<\/span><\/span><\/h3>\n<p>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 1 h\u00ecnh th\u1ee9c\u00a0<strong>ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef7 lu\u1eadt\u00a0<\/strong>(lu\u00f4n\u00a0ti\u1ebft ki\u1ec7m tr\u01b0\u1edbc r\u1ed3i m\u1edbi chi ti\u00eau), qua \u0111\u00f3\u00a0ch\u00fang ta c\u00f3 th\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n m\u00e0 m\u00ecnh mu\u1ed1n c\u00f3.<\/p>\n<blockquote><p>V\u1edbi \u0111\u00f3ng g\u00f3p \u00edt \u1ecfi h\u00e0ng n\u0103m, ch\u00fang ta c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c nh\u1eadn v\u1ec1 s\u1ed1 ti\u1ec1n l\u1edbn h\u01a1n h\u00e0ng tr\u0103m l\u1ea7n n\u1ebfu ch\u1eb3ng may \u1ed1m \u0111au, b\u1ec7nh t\u1eadt, tai n\u1ea1n, t\u1eed vong\u2026 m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i tr\u1ea3 l\u1ea1i.<\/p><\/blockquote>\n<p>\u1ede b\u1ea5t c\u1ee9 ho\u00e0n c\u1ea3nh n\u00e0o, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 chi\u1ebfc phao c\u1ee9u sinh gi\u00fap ch\u00fang ta tho\u00e1t kh\u1ecfi nguy hi\u1ec3m.<\/p>\n<p>Nh\u01b0 v\u1eady, tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 tham gia v\u00e0o vi\u1ec7c\u00a0<strong>ti\u1ebft ki\u1ec7m cho t\u01b0\u01a1ng lai<\/strong>,\u00a0<strong>v\u00e0 \u0111\u1ea3m b\u1ea3o cu\u1ed9c s\u1ed1ng an b\u00ecnh.<\/strong><\/p>\n<p>&nbsp;<\/p>\n<h3><span id=\"Quy_tac_so_4Mien_thue\"><span id=\"Quy_tac_so_4Mien_thue\">Quy t\u1eafc s\u1ed1 4:\u00a0Mi\u1ec5n thu\u1ebf<\/span><\/span><\/h3>\n<p>B\u1ea1n c\u00f3 bi\u1ebft: B\u1ea1n s\u1ebd kh\u00f4ng b\u1ecb t\u00ednh thu\u1ebf thu nh\u1eadp c\u00e1 nh\u00e2n cho s\u1ed1 ti\u1ec1n b\u1ea1n tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd? Doanh nghi\u1ec7p mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho nh\u00e2n vi\u00ean c\u0169ng \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf?<\/p>\n<p>C\u00f3 l\u1ebd b\u1ea1n kh\u00f4ng bi\u1ebft! Nh\u00e0 n\u01b0\u1edbc ta \u0111\u00e3 quy \u0111\u1ecbnh s\u1ebd mi\u1ec5n thu\u1ebf cho ph\u1ea7n ti\u1ec1n m\u00e0 ng\u01b0\u1eddi d\u00e2n mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, b\u1edfi \u0111\u00f3 l\u00e0 1 vi\u1ec7c t\u1ed1t cho c\u00e1 nh\u00e2n v\u00e0 x\u00e3 h\u1ed9i.<\/p>\n<p>V\u1eady, vi\u1ec7c tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0\u00a0<strong>ch\u1ee7 tr\u01b0\u01a1ng \u0111\u01b0\u1ee3c nh\u00e0 n\u01b0\u1edbc khuy\u1ebfn kh\u00edch<\/strong>, v\u1eeba gi\u00fap \u1ed5n \u0111\u1ecbnh t\u00e0i ch\u00ednh, v\u00e0 \u1ed5n \u0111\u1ecbnh tinh th\u1ea7n cho m\u1ecdi ng\u01b0\u1eddi.<\/p>\n<h2><span id=\"Tom_tat_ve_Bao_Hiem_nhan_tho\"><span id=\"Tom_tat_ve_Bao_Hiem_nhan_tho\">T\u00f3m t\u1eaft v\u1ec1 B\u1ea3o Hi\u1ec3m nh\u00e2n th\u1ecd<\/span><\/span><\/h2>\n<ol>\n<li>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m t\u00ednh m\u1ea1ng con ng\u01b0\u1eddi, ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c chi tr\u1ea3 quy\u1ec1n l\u1ee3i khi s\u1ed1ng ho\u1eb7c ch\u1ebft.<\/li>\n<li>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 h\u00ecnh th\u1ee9c ti\u1ebft ki\u1ec7m d\u00e0i h\u1ea1n, v\u00e0 l\u00e0 h\u00ecnh th\u1ee9c ti\u1ebft ki\u1ec7m c\u00f3 k\u1ef7 lu\u1eadt.<\/li>\n<li>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 vai tr\u00f2 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi tham gia khi r\u1ee7i ro x\u1ea3y ra (s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n l\u1edbn h\u01a1n r\u1ea5t nhi\u1ec1u s\u1ed1 ti\u1ec1n \u0111\u00e3 tham gia).<\/li>\n<li>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 vai tr\u00f2 chia s\u1ebb r\u1ee7i ro, s\u1ed1 \u0111\u00f4ng b\u00f9 s\u1ed1 \u00edt gi\u1eefa nh\u1eefng ng\u01b0\u1eddi tham gia v\u1edbi nhau.<\/li>\n<li>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd gi\u00fap gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng ng\u00e2n s\u00e1ch\u00a0an sinh cho nh\u00e0 n\u01b0\u1edbc.<\/li>\n<li>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ec1u \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p c\u1ee7a ch\u00ednh ph\u1ee7 Vi\u1ec7t Nam, v\u00e0 ph\u1ea3i ch\u1ecbu s\u1ef1 qu\u1ea3n l\u00fd tr\u1ef1c ti\u1ebfp c\u1ee7a B\u1ed9 t\u00e0i ch\u00ednh.<\/li>\n<li>To\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n thu \u0111\u01b0\u1ee3c, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i d\u00e0nh ph\u1ea7n l\u1edbn \u0111\u1ec3 \u0111\u1ea7u t\u01b0 t\u1ea1i Vi\u1ec7t Nam, mu\u1ed1n \u0111\u1ea7u t\u01b0 ra n\u01b0\u1edbc ngo\u00e0i ph\u1ea3i \u0111\u01b0\u1ee3c B\u1ed9 t\u00e0i ch\u00ednh ph\u00ea duy\u1ec7t.<\/li>\n<li>H\u00e0ng n\u0103m c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i n\u1ed9p qu\u1ef9, nh\u00e0 n\u01b0\u1edbc s\u1ebd qu\u1ea3n l\u00fd \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a c\u00e1c c\u00e1 nh\u00e2n tham gia khi c\u00f4ng ty b\u1ea3o hi\u1ec3m g\u1eb7p r\u1ee7i ro.<\/li>\n<li>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c nh\u00e0 n\u01b0\u1edbc ta khuy\u1ebfn kh\u00edch ng\u01b0\u1eddi d\u00e2n tham gia, \u0111\u1ec3 t\u1ef1 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho gia \u0111\u00ecnh m\u00ecnh, v\u00e0 n\u00e2ng cao ch\u1ea5t l\u01b0\u1ee3ng tinh th\u1ea7n cu\u1ed9c s\u1ed1ng.<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n<p>\u201c<em>C\u00e0ng ng\u00e0y t\u00f4i c\u00e0ng tin r\u1eb1ng, v\u1edbi m\u1ed9t gi\u00e1 khi\u00eam t\u1ed1n, B\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 gi\u1ea3i ph\u00f3ng nh\u1eefng gia \u0111\u00ecnh ra kh\u1ecfi nh\u1eefng th\u1ea3m h\u1ecda kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c<\/em>\u201d \u2013 Sir Winston Churchill.<\/p>\n<p>C\u00f3 l\u1ebd b\u1ea1n c\u0169ng \u0111\u00e3 t\u1ef1 m\u00ecnh tr\u1ea3 l\u1eddi \u0111\u01b0\u1ee3c\u00a0<strong>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 g\u00ec<\/strong>\u00a0r\u1ed3i \u0111\u00fang kh\u00f4ng?<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u1ed9i dung ch&iacute;nh1 B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 g\u00ec?2 B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c \u0111\u00f3n nh\u1eadn v\u00e0 \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n &hellip; <a class=\"link-more\" href=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/?p=206\" class=\"more-link\">\u0110\u1ecdc th\u00eam &raquo;<span class=\"screen-reader-text\"> &#8220;B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 g\u00ec?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":207,"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\/206"}],"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=206"}],"version-history":[{"count":1,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts\/206\/revisions"}],"predecessor-version":[{"id":208,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts\/206\/revisions\/208"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/media\/207"}],"wp:attachment":[{"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=206"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=206"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=206"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}