{"id":27682,"date":"2023-12-07T04:41:39","date_gmt":"2023-12-07T04:41:39","guid":{"rendered":"https:\/\/masterskills.org\/blog\/hop-dong-bao-hiem-con-nguoi-la-gi-dac-diem.html"},"modified":"2023-12-22T16:52:28","modified_gmt":"2023-12-22T09:52:28","slug":"hop-dong-bao-hiem-con-nguoi-la-gi-dac-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/hop-dong-bao-hiem-con-nguoi-la-gi-dac-diem.html","title":{"rendered":"H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m con ng\u01b0\u1eddi l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m"},"content":{"rendered":"
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H\u00ecnh minh ho\u1ea1 (Ngu\u1ed3n: thebank)<\/p>\n<\/figcaption><\/figure>\n

H\u01a1\u0323p \u0111\u00f4\u0300ng\u00a0b\u1ea3o hi\u1ec3m con ng\u01b0\u1eddi\u00a0<\/font><\/h2>\n

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

H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m\u00a0n\u00f3i chung<\/b>\u00a0l\u00e0 s\u1ef1 tho\u1ea3 thu\u1eadn gi\u1eefa b\u00ean mua b\u1ea3o hi\u1ec3m v\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m, theo \u0111\u00f3 b\u00ean mua b\u1ea3o hi\u1ec3m ph\u1ea3i n\u1ed9p ti\u1ec1n \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m c\u00f2n doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m ho\u1eb7c b\u1ed3i th\u01b0\u1eddng khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m.<\/p>\n

H\u01a1\u0323p \u0111\u00f4\u0300ng <\/b>b\u1ea3o hi\u1ec3m con ng\u01b0\u1eddi<\/b> l\u00e0\u00a0h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho ti\u0301nh ma\u0323ng, ti\u0300nh tra\u0323ng s\u01b0\u0301c khoe\u0309 va\u0300 nh\u01b0\u0303ng s\u01b0\u0323 ki\u1eb9\u0302n co\u0301 lie\u0302n quan \u0111\u00ea\u0301n tu\u00f4\u0309i tho\u0323 cu\u0309a con ngu\u031b\u01a1\u0300i.\u00a0<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m<\/font><\/h3>\n

H\u01a1\u0323p \u0111\u00f4\u0300ng\u00a0b\u1ea3o hi\u1ec3m con ng\u01b0\u1eddi co\u0301 \u0111\u1ea1\u0306c \u0111i\u00ea\u0309m:<\/p>\n

– Th\u01a1\u0300i ha\u0323n h\u01a1\u0323p \u0111\u00f4\u0300ng thu\u031b\u01a1\u0300ng ke\u0301o da\u0300i<\/b>, \u0111\u1ea1\u0306c bi\u1eb9\u0302t la\u0300 nh\u01b0\u0303ng h\u01a1\u0323p \u0111\u00f4\u0300ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Vi\u0300 th\u00ea\u0301, trong qua\u0301 tri\u0300nh th\u01b0\u0323c hi\u1eb9\u0302n h\u01a1\u0323p \u0111\u00f4\u0300ng, ngu\u031b\u01a1\u0300i tham gia ba\u0309o hi\u00ea\u0309m \u0111u\u031b\u01a1\u0323c quy\u00ea\u0300n thay \u0111\u00f4\u0309i n\u1ecd\u0302i dung h\u01a1\u0323p \u0111\u00f4\u0300ng, thi\u0301 du\u0323 nhu\u031b \u0111\u00ea\u0300 nghi\u0323 gia\u0309m b\u01a1\u0301t s\u00f4\u0301 ti\u00ea\u0300n ba\u0309o hi\u00ea\u0309m, thay \u0111\u00f4\u0309i loa\u0323i hi\u0300nh b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/span>, \u0111i\u00ea\u0300u chi\u0309nh th\u01a1\u0300i ha\u0323n n\u1ecd\u0302p phi\u0301 va\u0300 phu\u031bo\u031bng th\u01b0\u0301c n\u1ecd\u0302p phi\u0301…<\/p>\n

– H\u01a1\u0323p \u0111\u00f4\u0300ng b\u1ea3o hi\u1ec3m con ng\u01b0\u1eddi<\/span> la\u0300 loa\u0323i h\u01a1\u0323p \u0111\u00f4\u0300ng thanh toa\u0301n co\u0301 \u0111i\u0323nh m\u01b0\u0301c<\/b>. B\u01a1\u0309i vi\u0300, b\u1ea3o hi\u1ec3m con ng\u01b0\u1eddi<\/span> chu\u0309 y\u00ea\u0301u a\u0301p du\u0323ng nguye\u0302n t\u0103\u0301c khoa\u0301n, ne\u0302n \u0111i\u0323nh m\u01b0\u0301c t\u00f4\u0301i \u0111a ma\u0300 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m<\/span> thanh toa\u0301n cho ngu\u031b\u01a1\u0300i thu\u0323 hu\u031b\u01a1\u0309ng chi\u0301nh la\u0300 s\u00f4\u0301 ti\u00ea\u0300n ba\u0309o hi\u00ea\u0309m.\u00a0<\/p>\n

V\u00ea\u0300 nguye\u0302n t\u0103\u0301c s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m <\/span> kho\u0302ng ha\u0323n ch\u00ea\u0301, chi\u0309 c\u00e2\u0300n 2 be\u0302n ba\u0300n ba\u0323c th\u00f4\u0301ng nh\u00e2\u0301t v\u01a1\u0301i nhau la\u0300 \u0111u\u031b\u01a1\u0323c. Tuy nhie\u0302n, ca\u0301c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m<\/span> thu\u031b\u01a1\u0300ng co\u0301 \u0111i\u0323nh m\u01b0\u0301c s\u0103\u0303n t\u01b0\u0300ng loa\u0323i \u0111\u00ea\u0309 ngu\u031b\u01a1\u0300i tham gia d\u00ea\u0303 da\u0300ng l\u01b0\u0323a cho\u0323n.<\/p>\n

– M\u1ecd\u0302t s\u00f4\u0301 loa\u0323i h\u01a1\u0323p \u0111\u00f4\u0300ng b\u1ea3o hi\u1ec3m con ng\u01b0\u1eddi<\/span> (chu\u0309 y\u00ea\u0301u la\u0300 ca\u0301c loa\u0323i h\u01a1\u0323p \u0111\u00f4\u0300ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd) la\u0300 nh\u01b0\u0303ng h\u01a1\u0323p \u0111\u00f4\u0300ng mang ti\u0301nh ti\u00ea\u0301t ki\u1eb9\u0302m.<\/b>\u00a0<\/p>\n

Co\u0301 th\u00ea\u0309 ha\u0300ng tha\u0301ng, ha\u0300ng qu\u00ed, ha\u0300ng na\u0306m ngu\u031b\u01a1\u0300i tham gia n\u1ecd\u0302p phi\u0301 cho doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m b\u0103\u0300ng nh\u01b0\u0303ng khoa\u0309n ti\u00ea\u0300n nho\u0309, cho t\u01a1\u0301i khi ngu\u031b\u01a1\u0300i \u0111u\u031b\u01a1\u0323c ba\u0309o hi\u00ea\u0309m qua \u0111\u01a1\u0300i hay \u0111\u00ea\u0301n h\u00ea\u0301t ha\u0323n h\u01a1\u0323p \u0111\u00f4\u0300ng anh ta co\u0300n s\u00f4\u0301ng, ngu\u031b\u01a1\u0300i tha\u0302n ho\u1ea1\u0306c ba\u0309n tha\u0302n anh ta se\u0303 nh\u1ea1\u0302n \u0111u\u031b\u01a1\u0323c m\u1ecd\u0302t khoa\u0309n ti\u00ea\u0300n \u0111a\u0301ng k\u00ea\u0309 gi\u00f4\u0301ng nhu\u031b ti\u00ea\u0300n g\u01b0\u0309i ti\u00ea\u0301t ki\u1eb9\u0302m.\u00a0<\/p>\n

Co\u0301 kha\u0301c cha\u0306ng la\u0300 s\u00f4\u0301 ti\u00ea\u0300n na\u0300y kho\u0302ng th\u00ea\u0309 tuy\u0300 y\u0301 l\u00e2\u0301y ra, ma\u0300 pha\u0309i t\u01a1\u0301i khi xa\u0309y ra s\u01b0\u0323 ki\u1eb9\u0302n ba\u0309o hi\u00ea\u0309m m\u01a1\u0301i \u0111u\u031b\u01a1\u0323c nh\u1ea1\u0302n la\u0323i.<\/p>\n

– Trong qua\u0301 tri\u0300nh th\u01b0\u0323c h\u01a1\u0323p \u0111\u00f4\u0300ng, n\u00ea\u0301u be\u0302n mua ba\u0309o hi\u00ea\u0309m kho\u0302ng \u0111o\u0301ng ho\u1ea1\u0306c \u0111o\u0301ng phi\u0301 ba\u0309o hi\u00ea\u0309m kho\u0302ng \u0111u\u0309 thi\u0300 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m<\/span> kho\u0302ng \u0111u\u031b\u01a1\u0323c kh\u01a1\u0309i ki\u1eb9\u0302n truy \u0111o\u0300i be\u0302n mua \u0111o\u0301ng phi\u0301 ba\u0309o hi\u00ea\u0309m. <\/b>\u0110\u1ea1\u0306c \u0111i\u00ea\u0309m na\u0300y kha\u0301c h\u0103\u0309n v\u01a1\u0301i nh\u01b0\u0303ng h\u01a1\u0323p \u0111\u00f4\u0300ng kinh t\u00ea\u0301 tho\u0302ng thu\u031b\u01a1\u0300ng di\u00ea\u0303n ra trong th\u01b0\u0323c t\u00ea\u0301.<\/p>\n

– \u0110\u00f4\u0301i v\u01a1\u0301i ca\u0301c h\u01a1\u0323p \u0111\u00f4\u0300ng b\u1ea3o hi\u1ec3m con ng\u01b0\u1eddi<\/span>, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m<\/span> kho\u0302ng \u0111u\u031b\u01a1\u0323c ye\u0302u c\u00e2\u0300u ngu\u031b\u01a1\u0300i th\u01b0\u0301 ba b\u00f4\u0300i hoa\u0300n.<\/b> N\u00ea\u0301u ngu\u031b\u01a1\u0300i th\u01b0\u0301 ba tr\u01b0\u0323c ti\u00ea\u0301p ho\u1ea1\u0306c gia\u0301n ti\u00ea\u0301p ga\u0302y ne\u0302n ca\u0301i ch\u00ea\u0301t, thu\u031bo\u031bng t\u1ea1\u0302t ho\u1ea1\u0306c \u00f4\u0301m \u0111au cho ngu\u031b\u01a1\u0300i \u0111u\u031b\u01a1\u0323c ba\u0309o hi\u00ea\u0309m thi\u0300 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m<\/span> v\u00e2\u0303n th\u01b0\u0323c hi\u1eb9\u0302n nghi\u0303a vu\u0323 tra\u0309 ti\u00ea\u0300n ba\u0309o hi\u00ea\u0309m theo \u0111u\u0301ng ca\u0301c thoa\u0309 thu\u1ea1\u0302n \u0111a\u0303 ghi trong h\u01a1\u0323p \u0111\u00f4\u0300ng.<\/p>\n

\u0110\u00f4\u0300ng th\u01a1\u0300i, ngu\u031b\u01a1\u0300i th\u01b0\u0301 ba pha\u0309i chi\u0323u tra\u0301ch nhi\u1eb9\u0302m b\u00f4\u0300i thu\u031b\u01a1\u0300ng cho ngu\u031b\u01a1\u0300i \u0111u\u031b\u01a1\u0323c ba\u0309o hi\u00ea\u0309m theo qui \u0111i\u0323nh cu\u0309a pha\u0301p lu\u1ea1\u0302t.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: H\u01a1\u0323p \u0111\u00f4\u0300ng ba\u0309o hi\u00ea\u0309m, Trung t\u00e2m \u0111\u00e0o t\u1ea1o t\u1eeb xa, \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf Qu\u1ed1c d\u00e2n.\u00a0Gi\u00e1o tr\u00ecnh L\u00ed thuy\u1ebft b\u1ea3o hi\u1ec3m, NXB T\u00e0i ch\u00ednh; Gi\u00e1o tr\u00ecnh \u0110\u1ea1i l\u00ed b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n, NXB T\u00e0i ch\u00ednh)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m con ng\u01b0\u1eddi l\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m cho t\u00ednh m\u1ea1ng, t\u00ecnh tr\u1ea1ng s\u1ee9c kho\u1ebb v\u00e0 nh\u1eefng s\u1ef1 ki\u1ec7n c\u00f3 li\u00ean quan \u0111\u1ebfn tu\u1ed5i th\u1ecd c\u1ee7a con ng\u01b0\u1eddi.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[416],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27682"}],"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=27682"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27682\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=27682"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=27682"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=27682"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}