{"id":277,"date":"2018-01-31T17:39:19","date_gmt":"2018-01-31T10:39:19","guid":{"rendered":"http:\/\/baohiemtoiyeu.com\/?p=277"},"modified":"2018-01-31T17:39:19","modified_gmt":"2018-01-31T10:39:19","slug":"nguoi-thu-huong-trong-hop-dong-bao-hiem-nhan-tho-la-gi","status":"publish","type":"post","link":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/?p=277","title":{"rendered":"Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong h\u1ee3p \u0111\u1ed3ng 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=\"#Nguoi_thu_huong_la_ai_Co_quyen_loi_gi\"><span class=\"toc_number toc_depth_1\">1<\/span> Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 ai? C\u00f3 quy\u1ec1n l\u1ee3i g\u00ec?<\/a><\/li><li><a href=\"#Nhung_dieu_can_luu_y_ve_nguoi_thu_huong_hop_dong_bao_hiem\"><span class=\"toc_number toc_depth_1\">2<\/span> Nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd v\u1ec1 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/a><\/li><\/ul><\/div>\n<p><em>Trong m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, \u0111i\u1ec1n th\u00f4ng tin ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 1 y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c c\u1ee7a c\u00e1c c\u00f4ng ty BHNT. V\u1eady ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng b\u1ea3o hi\u1ec3m l\u00e0 ai? c\u00f3 quy\u1ec1n l\u1ee3i g\u00ec?\u2026 B\u00e0i vi\u1ebft n\u00e0y s\u1ebd tr\u1ea3 l\u1eddi \u0111i\u1ec1u \u0111\u00f3.<\/em><\/p>\n<h2><span id=\"Nguoi_thu_huong_la_ai_Co_quyen_loi_gi\">Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 ai? C\u00f3 quy\u1ec1n l\u1ee3i g\u00ec?<\/span><\/h2>\n<p>Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng c\u00f3 th\u1ec3 l\u00e0 b\u1ea5t k\u1ef3 ai (c\u00f3 quan h\u1ec7 huy\u1ebft th\u1ed1ng ho\u1eb7c kh\u00f4ng c\u00f3 quan h\u1ec7 v\u1edbi Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ch\u00ednh c\u1ee7a h\u1ee3p \u0111\u1ed3ng), Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 ng\u01b0\u1eddi s\u1ebd\u00a0<strong>nh\u1eadn s\u1ed1 ti\u1ec1n \u0111\u1ec1n b\u00f9<\/strong>\u00a0l\u1edbn nh\u1ea5t c\u1ee7a\u00a0h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u00a0\u2013\u00a0<strong>khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ch\u00ednh T\u1eed vong<\/strong>.<\/p>\n<p>Vi\u1ec7c ch\u1ec9 \u0111\u1ecbnh ai l\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng c\u1ee7a h\u1ee3p \u0111\u1ed3ng do\u00a0B\u00ean mua b\u1ea3o hi\u1ec3m\u00a0quy\u1ebft \u0111\u1ecbnh,\u00a0<strong>c\u00f3 th\u1ec3 thay \u0111\u1ed5i<\/strong>\u00a0ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong tr\u01b0\u1eddng h\u1ee3p mong mu\u1ed1n v\u00e0\u00a0<strong>kh\u00f4ng gi\u1edbi h\u1ea1n<\/strong>\u00a0s\u1ed1 l\u1ea7n thay \u0111\u1ed5i.<\/p>\n<p>V\u00ed d\u1ee5: Ng\u01b0\u1eddi ch\u1ed3ng \u0111\u1ee9ng t\u00ean l\u00e0 B\u00ean mua b\u1ea3o hi\u1ec3m (B\u00ean tr\u1ea3 ti\u1ec1n ph\u00ed) \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m cho v\u1ee3 m\u00ecnh (Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ch\u00ednh), v\u00e0 ch\u1ec9 \u0111\u1ecbnh Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ch\u00ednh l\u00e0 ng\u01b0\u1eddi con trai c\u1ee7a 2 v\u1ee3 ch\u1ed3ng.<\/p>\n<p>V\u1eady, ng\u01b0\u1eddi con trai \u2013 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng s\u1ebd nh\u1eadn ti\u1ec1n \u0111\u1ec1n b\u00f9 quy\u1ec1n l\u1ee3i t\u1eed vong khi ng\u01b0\u1eddi m\u1eb9 (N\u0110BH) ch\u1ebft.<\/p>\n<blockquote><p>Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng gi\u1ed1ng v\u1edbi Ng\u01b0\u1eddi th\u1eeba k\u1ebf t\u00e0i s\u1ea3n \u1edf ch\u1ed7 h\u1ecd ch\u1ec9 nh\u1eadn \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i khi ng\u01b0\u1eddi ch\u1ee7 t\u00e0i s\u1ea3n (v\u1edbi BHNT l\u00e0 N\u0110BH) ch\u1ebft. C\u00f3 nh\u1eefng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u1edbn, s\u1ed1 ti\u1ec1n \u0111\u1ec1n b\u00f9 quy\u1ec1n l\u1ee3i t\u1eed vong l\u00ean t\u1edbi h\u00e0ng ch\u1ee5c t\u1ef7 \u0111\u1ed3ng \u2013 do v\u1eady ng\u01b0\u1eddi ta c\u0169ng coi \u0111\u00e2y l\u00e0 1 d\u1ea1ng t\u00e0i s\u1ea3n \u0111\u1ec3 l\u1ea1i cho ng\u01b0\u1eddi th\u1eeba k\u1ebf.<\/p><\/blockquote>\n<p>V\u00e0,\u00a0c\u00f3 th\u1ec3 ch\u1ec9 \u0111\u1ecbnh nhi\u1ec1u ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng\u00a0trong 1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m theo t\u1ec9 l\u1ec7, t\u1ed5ng kh\u00f4ng qu\u00e1 100%.<\/p>\n<p>&nbsp;<\/p>\n<h2><span id=\"Nhung_dieu_can_luu_y_ve_nguoi_thu_huong_hop_dong_bao_hiem\">Nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd v\u1ec1 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/span><\/h2>\n<ul>\n<li>Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i l\u00e0 ng\u01b0\u1eddi th\u00e2n c\u1ee7a N\u0110BH v\u00e0 BMBH.<\/li>\n<li><strong>N\u1ebfu ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng &lt;18 tu\u1ed5i<\/strong>, th\u00ec ng\u01b0\u1eddi b\u1ea3o h\u1ed9 h\u1ee3p ph\u00e1p c\u1ee7a ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng s\u1ebd l\u00e0 ng\u01b0\u1eddi nh\u1eadn s\u1ed1 ti\u1ec1n \u0111\u1ec1n b\u00f9 t\u1eeb H\u0110BH.<\/li>\n<li>BMBH c\u00f3 th\u1ec3 th\u00eam, lo\u1ea1i tr\u1eeb ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng nhi\u1ec1u l\u1ea7n trong su\u1ed1t th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng c\u00f3 hi\u1ec7u l\u1ef1c.<\/li>\n<li><strong>N\u1ebfu ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng ph\u1ea1m t\u1ed9i h\u00ecnh s\u1ef1<\/strong>, s\u1ed1 ti\u1ec1n \u0111\u1ec1n b\u00f9 s\u1ebd ch\u1ec9 chia cho nh\u1eefng ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng c\u00f2n l\u1ea1i trong H\u0110.<\/li>\n<li><strong>Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng c\u1ea7n c\u00f3 gi\u1ea5y ch\u1ee9ng t\u1eed<\/strong>\u00a0c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ec3 ch\u1ee9ng minh N\u0110BH \u0111\u00e3 ch\u1ebft v\u00e0 l\u1ea5y quy\u1ec1n l\u1ee3i.<\/li>\n<\/ul>\n<p>Nh\u01b0 v\u1eady, ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng \u0111\u01b0\u1ee3c hi\u1ec3u \u0111\u01a1n gi\u1ea3n l\u00e0 ng\u01b0\u1eddi th\u1eeba k\u1ebf h\u1ee3p ph\u00e1p s\u1ed1 ti\u1ec1n \u0111\u1ec1n b\u00f9 quy\u1ec1n l\u1ee3i t\u1eed vong c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. V\u00e0 b\u1ea1n c\u00f3 quy\u1ec1n thay \u0111\u1ed5i ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong su\u1ed1t th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>N\u1ed9i dung ch&iacute;nh1 Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng l\u00e0 ai? C\u00f3 quy\u1ec1n l\u1ee3i g\u00ec?2 Nh\u1eefng \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd v\u1ec1 ng\u01b0\u1eddi th\u1ee5 &hellip; <a class=\"link-more\" href=\"https:\/\/c301-baohiemtoiyeu.com-vn.net\/?p=277\" class=\"more-link\">\u0110\u1ecdc th\u00eam &raquo;<span class=\"screen-reader-text\"> &#8220;Ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 g\u00ec?&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":282,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[35],"tags":[],"_links":{"self":[{"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts\/277"}],"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=277"}],"version-history":[{"count":1,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts\/277\/revisions"}],"predecessor-version":[{"id":283,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/posts\/277\/revisions\/283"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=\/wp\/v2\/media\/282"}],"wp:attachment":[{"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=277"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=277"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/c301-baohiemtoiyeu.com-vn.net\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=277"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}