{"id":25925,"date":"2023-12-07T02:15:54","date_gmt":"2023-12-07T02:15:54","guid":{"rendered":"https:\/\/masterskills.org\/blog\/dong-bao-hiem-co-insurance-la-gi-phan-biet-voi-tai-bao-hiem.html"},"modified":"2023-12-22T11:23:48","modified_gmt":"2023-12-22T04:23:48","slug":"dong-bao-hiem-co-insurance-la-gi-phan-biet-voi-tai-bao-hiem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/dong-bao-hiem-co-insurance-la-gi-phan-biet-voi-tai-bao-hiem.html","title":{"rendered":"\u0110\u1ed3ng b\u1ea3o hi\u1ec3m (Co-insurance) l\u00e0 g\u00ec? Ph\u00e2n bi\u1ec7t v\u1edbi t\u00e1i b\u1ea3o hi\u1ec3m"},"content":{"rendered":"
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H\u00ecnh minh ho\u1ea1 (Ngu\u1ed3n: project)<\/p>\n<\/div>\n<\/div>\n

\u0110\u1ed3ng b\u1ea3o hi\u1ec3m<\/font><\/h2>\n

Kh\u00e1i ni\u1ec7m<\/b><\/p>\n

\u0110\u1ed3ng b\u1ea3o hi\u1ec3m <\/b>trong ti\u1ebfng Anh \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0\u00a0Co-insurance.<\/b><\/p>\n

\u0110\u1ed3ng b\u1ea3o hi\u1ec3m <\/b>l\u00e0 nhi\u1ec1u doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f9ng b\u1ea3o hi\u1ec3m cho m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m theo nguy\u00ean t\u1eafc c\u00f9ng chia s\u1ebb quy\u1ec1n l\u1ee3i (ph\u00ed b\u1ea3o hi\u1ec3m) v\u00e0 tr\u00e1ch nhi\u1ec7m (b\u1ed3i th\u01b0\u1eddng, chi ph\u00ed) theo t\u1ec9 l\u1ec7.\u00a0<\/p>\n

\u0110\u1ed3ng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng \u0111\u1ec3 gi\u1ea3m \u00e1p l\u1ef1c c\u1ea1nh tranh g\u00e2y thi\u1ec7t h\u1ea1i cho c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m.\u00a0<\/p>\n

\u0110\u1ed3ng b\u1ea3o hi\u1ec3m<\/b> ch\u00ednh l\u00e0 c\u00e1ch th\u00fac \u0111\u1ec3 ph\u00e2n t\u00e1n, chia s\u1ebb r\u1ee7i ro theo chi\u1ec1u ngang b\u1eb1ng c\u00e1ch tham gia nhi\u1ec1u h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c nhau cho c\u00f9ng 1 \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m.\u00a0<\/p>\n

Khi x\u1ea3y ra nh\u1eefng r\u1ee7i ro, thi\u1ec7t h\u1ea1i t\u1ed5n th\u1ea5t c\u1ee7a \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m thi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u00f9ng c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m n\u00e0y theo t\u1ec9 l\u1ec7 th\u1ecfa thu\u1eadn v\u00e0 m\u1ee9c ph\u00ed m\u00e0 kh\u00e1ch h\u00e0ng \u0111\u00e3 \u0111\u00f3ng tr\u01b0\u1edbc \u0111\u00f3<\/p>\n

Th\u00f4ng th\u01b0\u1eddng ng\u01b0\u1eddi ta th\u01b0\u1eddng \u00e1p d\u1ee5ng ph\u01b0\u01a1ng th\u1ee9c \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho nh\u1eefng tr\u01b0\u1eddng h\u1ee3p \u0111\u1eb7c bi\u1ec7t \u0111\u1ed3ng th\u1eddi gi\u00fap cho doanh nghi\u1ec7p chia s\u1ebb, ph\u00e2n t\u00e1n r\u1ee7i ro tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m.\u00a0<\/p>\n

Th\u01b0\u1eddng n\u00f3 s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng khi gi\u00e1 tr\u1ecb c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m qu\u00e1 l\u1edbn nh\u01b0\u00a0b\u1ea3o hi\u1ec3m th\u00e2n t\u00e0u th\u1ee7y n\u1ed9i \u0111\u1ecba, b\u1ea3o hi\u1ec3m m\u00e1y bay\u2026\u00a0<\/p>\n

V\u00ed d\u1ee5: <\/b>M\u1ed9t c\u00f4ng tr\u00ecnh x\u00e2y d\u1ef1ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u1edbi s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m USD 50 tri\u1ec7u, ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 USD 1 tri\u1ec7u, b\u1ecb t\u1ed5n th\u1ea5t USD 5 tri\u1ec7u.\u00a0<\/p>\n

C\u00f4ng tr\u00ecnh n\u00e0y do 3 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. Ta c\u00f3 b\u1ea3ng chi ti\u1ebft nh\u01b0 sau:<\/p>\n

\n\n\n\n\n\n\n\n
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Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m<\/b><\/p>\n<\/p>\n<\/td>\n

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T\u1ec9 l\u1ec7 b\u1ea3o hi\u1ec3m (%)<\/b><\/p>\n<\/p>\n<\/td>\n

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Ph\u00ed b\u1ea3o hi\u1ec3m<\/b><\/p>\n

(USD)<\/b><\/p>\n<\/p>\n<\/td>\n

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B\u1ed3i th\u01b0\u1eddng (USD)<\/b><\/p>\n<\/p>\n<\/td>\n<\/tr>\n

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C\u00f4ng ty A<\/p>\n<\/p>\n<\/td>\n

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50<\/p>\n<\/p>\n<\/td>\n

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500.000<\/p>\n<\/p>\n<\/td>\n

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2.500.000<\/p>\n<\/p>\n<\/td>\n<\/tr>\n

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C\u00f4ng ty B<\/p>\n<\/p>\n<\/td>\n

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30<\/p>\n<\/p>\n<\/td>\n

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300.000<\/p>\n<\/p>\n<\/td>\n

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1.500.000<\/p>\n<\/p>\n<\/td>\n<\/tr>\n

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C\u00f4ng ty C<\/p>\n<\/p>\n<\/td>\n

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20<\/p>\n<\/p>\n<\/td>\n

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200.000<\/p>\n<\/p>\n<\/td>\n

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1.000.000<\/p>\n<\/p>\n<\/td>\n<\/tr>\n

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C\u1ed9ng<\/p>\n<\/p>\n<\/td>\n

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100<\/p>\n<\/p>\n<\/td>\n

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1.000.000<\/p>\n<\/p>\n<\/td>\n

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5.000.000<\/p>\n<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

S\u1ef1 kh\u00e1c nhau gi\u1eefa t\u00e1i b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/font><\/h3>\n

\u00a0– \u0110\u1ed3ng b\u1ea3o hi\u1ec3m<\/b> l\u00e0 nhi\u1ec1u doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f9ng tham gia b\u1ea3o hi\u1ec3m cho m\u1ed9t hay nhi\u1ec1u r\u1ee7i ro c\u1ea7n b\u1ea3o hi\u1ec3m.\u00a0<\/p>\n

Th\u00f4ng th\u01b0\u01a1\u0300ng, c\u00e1c doanh nghi\u1ec7p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u1ea3 chi ph\u00ed qu\u1ea3n l\u00ed (t\u1ec9 l\u1ec7 do c\u00e1c doanh nghi\u1ec7p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u1ecfa thu\u1eadn) cho doanh nghi\u00eap\u0323 \u0111\u01b0\u01a1c\u0323 chi\u0309 \u0111\u1ecbnh la\u0300m \u0111\u00e2\u0300u m\u00f4\u0301i tho\u0309a thu\u1eadn, k\u00ed k\u1ebft h\u1ee3p \u0111\u00f4\u0300ng ba\u0309o hi\u00ea\u0309m ho\u0103c\u0323 gia\u0309i quy\u00ea\u0301t t\u00f4\u0309n th\u00e2\u0301t (n\u00ea\u0301u co\u0301) v\u01a1\u0301i b\u00ean tham gia ba\u0309o hi\u00ea\u0309m.<\/p>\n

\u00a0– T\u00e1i b\u1ea3o hi\u1ec3m<\/b> l\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m n\u00e0y nh\u01b0\u1ee3ng l\u1ea1i cho doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m kh\u00e1c m\u1ed9t ph\u1ea7n r\u1ee7i ro m\u00e0 m\u00ecnh \u0111\u00e3 nh\u1eadn b\u1ea3o hi\u1ec3m. Doanh nghi\u1ec7p nh\u1eadn ta\u0301i ba\u0309o hi\u00ea\u0309m pha\u0309i tra\u0309 hoa h\u00f4\u0300ng cho doanh nghi\u1ec7p nh\u01b0\u1ee3ng ta\u0301i ba\u0309o hi\u00ea\u0309m.<\/p>\n

Hay n\u00f3i c\u00e1ch kh\u00e1c, \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 c\u00f9ng b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi kh\u00e1c; t\u00e1i b\u1ea3o hi\u1ec3m l\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m mua b\u1ea3o hi\u1ec3m cho ch\u00ednh m\u00ecnh.\u00a0<\/p>\n

S\u1ef1 kh\u00e1c nhau c\u01a1 b\u1ea3n gi\u1eefa \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 t\u00e1i b\u1ea3o hi\u1ec3m th\u1ec3 hi\u1ec7n ch\u1ee7 y\u1ebfu trong m\u1ed1i quan h\u1ec7 gi\u1eefa c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m v\u1edbi kh\u00e1ch h\u00e0ng, c\u00f3 th\u1ec3 t\u00f3m t\u1eaft trong b\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y:\u00a0<\/p>\n

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(T\u00e0i li\u1ec7u tham kh\u1ea3o: Gi\u00e1o tr\u00ecnh \u0111\u1ea1i l\u00ed b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n, 2013, C\u1ee5c Qu\u1ea3n l\u00ed Gi\u00e1m s\u00e1t B\u1ea3o hi\u1ec3m, Trung t\u00e2m Nghi\u00ean c\u1ee9u v\u00e0 \u0110\u00e0o t\u1ea1o B\u1ea3o hi\u1ec3m. iBaoViet)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n \u0110\u1ed3ng b\u1ea3o hi\u1ec3m (ti\u1ebfng Anh: Co-insurance) l\u00e0 nhi\u1ec1u doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f9ng b\u1ea3o hi\u1ec3m cho m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m theo nguy\u00ean t\u1eafc c\u00f9ng chia s\u1ebb quy\u1ec1n l\u1ee3i (ph\u00ed b\u1ea3o hi\u1ec3m) v\u00e0 tr\u00e1ch nhi\u1ec7m (b\u1ed3i th\u01b0\u1eddng, chi ph\u00ed) theo t\u1ec9 l\u1ec7.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[414],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/25925"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=25925"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/25925\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=25925"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=25925"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=25925"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}