{"id":27686,"date":"2023-12-07T04:41:48","date_gmt":"2023-12-07T04:41:48","guid":{"rendered":"https:\/\/masterskills.org\/blog\/bao-hiem-tai-nan-hanh-khach-passenger-accident-insurance-la-gi.html"},"modified":"2023-12-22T16:52:29","modified_gmt":"2023-12-22T09:52:29","slug":"bao-hiem-tai-nan-hanh-khach-passenger-accident-insurance-la-gi","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/bao-hiem-tai-nan-hanh-khach-passenger-accident-insurance-la-gi.html","title":{"rendered":"B\u1ea3o hi\u1ec3m tai n\u1ea1n h\u00e0nh kh\u00e1ch (Passenger Accident Insurance) l\u00e0 g\u00ec?"},"content":{"rendered":"
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H\u00ecnh minh ho\u1ea1 (Ngu\u1ed3n: bydeurope)<\/p>\n<\/figcaption><\/figure>\n

B\u1ea3o hi\u1ec3m tai n\u1ea1n h\u00e0nh kh\u00e1ch<\/font><\/h2>\n

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

B\u1ea3o hi\u1ec3m tai n\u1ea1n h\u00e0nh kh\u00e1ch<\/b> trong ti\u1ebfng Anh \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 Passenger Accident Insurance.<\/b><\/p>\n

B\u1ea3o hi\u1ec3m tai n\u1ea1n h\u00e0nh kh\u00e1ch<\/b> l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m nh\u1eb1m \u0111\u1ea3m b\u1ea3o ti\u0301nh ma\u0323ng va\u0300 ti\u0300nh tra\u0323ng s\u01b0\u0301c kho\u0309e cu\u0309a t\u00e2\u0301t ca\u0309 ha\u0300nh kha\u0301ch \u0111i tre\u0302n ca\u0301c phu\u031bo\u031bng ti\u1eb9\u0302n giao tho\u0302ng kinh doanh chuye\u0302n ch\u01a1\u0309 ha\u0300nh kha\u0301ch.\u00a0<\/p>\n

\u00dd ngh\u0129a<\/font><\/h3>\n

\u0110a\u0303 tr\u01a1\u0309 tha\u0300nh qui<\/span> lu\u1ea1\u0302t, khi n\u00ea\u0300n kinh t\u00ea\u0301 \u2013 xa\u0303 h\u1ecd\u0302i nga\u0300y ca\u0300ng pha\u0301t tri\u00ea\u0309n, nhu c\u00e2\u0300u \u0111i la\u0323i cu\u0309a nha\u0302n da\u0302n nga\u0300y ca\u0300ng ta\u0306ng va\u0300 lu\u031bu lu\u031b\u01a1\u0323ng ha\u0300nh kha\u0301ch tham gia giao tho\u0302ng nga\u0300y ca\u0300ng l\u01a1\u0301n. Ke\u0301o theo \u0111o\u0301 la\u0300 s\u00f4\u0301 lu\u031b\u01a1\u0323ng ca\u0301c loa\u0323i phu\u031bo\u031bng ti\u1eb9\u0302n tham gia giao tho\u0302ng cu\u0303ng nga\u0300y ca\u0300ng gia ta\u0306ng va\u0300 h\u00ea\u0301t s\u01b0\u0301c \u0111a da\u0323ng, phong phu\u0301.\u00a0<\/p>\n

M\u1ea1\u0306c du\u0300 ca\u0301c loa\u0323i phu\u031bo\u031bng ti\u1eb9\u0302n tham gia giao tho\u0302ng nga\u0300y ca\u0300ng \u0111u\u031b\u01a1\u0323c ca\u0309i ti\u00ea\u0301n va\u0300 hi\u1eb9\u0302n \u0111a\u0323i, co\u031b s\u01a1\u0309 ha\u0323 t\u00e2\u0300ng giao tho\u0302ng nga\u0300y ca\u0300ng \u0111u\u031b\u01a1\u0323c m\u01a1\u0309 r\u1ecd\u0302ng, na\u0302ng c\u00e2\u0301p va\u0300 hoa\u0300n thi\u1eb9\u0302n, song tai na\u0323n giao tho\u0302ng v\u00e2\u0303n nga\u0300y m\u1ecd\u0302t gia ta\u0306ng \u0111a\u0303 la\u0300m a\u0309nh hu\u031b\u01a1\u0309ng tr\u01b0\u0323c ti\u00ea\u0301p \u0111\u00ea\u0301n ti\u0301nh ma\u0323ng va\u0300 ti\u0300nh tra\u0323ng s\u01b0\u0301c kho\u0309e cu\u0309a mo\u0323i ha\u0300nh kha\u0301ch.\u00a0<\/p>\n

Theo s\u00f4\u0301 li\u1eb9\u0302u th\u00f4\u0301ng ke\u0302 tre\u0302n th\u00ea\u0301 gi\u01a1\u0301i, ha\u0300ng na\u0306m co\u0301 ho\u031bn 70% lu\u031b\u01a1\u0323ng ha\u0300nh kha\u0301ch tham gia giao tho\u0302ng \u0111\u00ea\u0300u la\u0300 nh\u01b0\u0303ng ngu\u031b\u01a1\u0300i chu\u0309 ch\u00f4\u0301t trong gia \u0111i\u0300nh, co\u031b quan va\u0300 doanh nghi\u1eb9\u0302p, m\u00f4\u0303i khi tai na\u0323n giao tho\u0302ng kho\u0302ng may \u0111\u00ea\u0301n v\u01a1\u0301i ho\u0323 \u0111a\u0303 la\u0300m a\u0309nh hu\u031b\u01a1\u0309ng tr\u01b0\u0323c ti\u00ea\u0301p \u0111\u00ea\u0301n cu\u1ecd\u0302c s\u00f4\u0301ng cu\u0309a m\u00f4\u0303i gia \u0111i\u0300nh, ngu\u031b\u01a1\u0300i tha\u0302n, co\u031b quan, doanh nghi\u1eb9\u0302p va\u0300 toa\u0300n xa\u0303 h\u1ecd\u0302i.\u00a0<\/p>\n

Vi\u0300 th\u00ea\u0301, ba\u0309o hi\u00ea\u0309m tai na\u0323n ha\u0300nh kha\u0301ch ra \u0111\u01a1\u0300i la\u0300 h\u00ea\u0301t s\u01b0\u0301c c\u00e2\u0300n thi\u00ea\u0301t va\u0300 \u01a1\u0309 nhi\u00ea\u0300u nu\u031b\u01a1\u0301c tre\u0302n th\u00ea\u0301 gi\u01a1\u0301i \u0111a\u0303 \u0111u\u031b\u01a1\u0323c tri\u00ea\u0309n khai du\u031b\u01a1\u0301i hi\u0300nh th\u01b0\u0301c b\u0103\u0301t bu\u1ecd\u0302c.<\/p>\n

Mu\u0323c \u0111i\u0301ch cu\u0309a ba\u0309o hi\u00ea\u0309m tai na\u0323n ha\u0300nh kha\u0301ch<\/font><\/h3>\n

– Go\u0301p ph\u00e2\u0300n \u00f4\u0309n \u0111i\u0323nh cu\u1ecd\u0302c s\u00f4\u0301ng cu\u0309a ba\u0309n tha\u0302n ha\u0300nh kha\u0301ch kho\u0302ng may bi\u0323 tai na\u0323n va\u0300 gia \u0111i\u0300nh ho\u0323<\/p>\n

– Ta\u0323o \u0111i\u00ea\u0300u ki\u1eb9\u0302n thu\u1ea1\u0302n l\u01a1\u0323i cho chi\u0301nh quy<\/span>\u00ea\u0300n \u0111i\u0323a phu\u031bo\u031bng no\u031bi xa\u0309y ra tai na\u0323n kh\u0103\u0301c phu\u0323c h\u1ea1\u0302u qua\u0309 tai na\u0323n ki\u0323p th\u01a1\u0300i, nhanh cho\u0301ng<\/p>\n

– Xe\u0301t tre\u0302n pha\u0323m vi xa\u0303 h\u1ecd\u0302i, no\u0301 co\u0300n go\u0301p ph\u00e2\u0300n nga\u0306n ng\u01b0\u0300a va\u0300 \u0111\u00ea\u0300 pho\u0300ng tai na\u0323n giao tho\u0302ng. Ta\u0306ng thu nga\u0302n sa\u0301ch cho Nha\u0300 nu\u031b\u01a1\u0301c \u0111\u00ea\u0309 t\u01b0\u0300 \u0111o\u0301 co\u0301 \u0111i\u00ea\u0300u ki\u1eb9\u0302n \u0111\u00e2\u0300u tu\u031b tr\u01a1\u0309 la\u0323i na\u0302ng c\u00e2\u0301p va\u0300 xa\u0302y d\u01b0\u0323ng m\u01a1\u0301i co\u031b s\u01a1\u0309 ha\u0323 t\u00e2\u0300ng giao tho\u0302ng…<\/p>\n

\u0110\u00f4\u0301i tu\u031b\u01a1\u0323ng ba\u0309o hi\u00ea\u0309m<\/font><\/h3>\n

La\u0300 ti\u0301nh ma\u0323ng va\u0300 ti\u0300nh tra\u0323ng s\u01b0\u0301c kho\u0309e cu\u0309a t\u00e2\u0301t ca\u0309 ha\u0300nh kha\u0301ch \u0111i tre\u0302n ca\u0301c phu\u031bo\u031bng ti\u1eb9\u0302n giao tho\u0302ng kinh doanh chuye\u0302n ch\u01a1\u0309 ha\u0300nh kha\u0301ch. Nh\u01b0\u0303ng ngu\u031b\u01a1\u0300i na\u0300y kho\u0302ng pha\u0302n bi\u1eb9\u0302t l\u01b0\u0301a tu\u00f4\u0309i, ngh\u00ea\u0300 nghi\u1eb9\u0302p, mi\u00ea\u0303n la\u0300 ho\u0323 co\u0301 ve\u0301 ho\u1ea1\u0306c \u0111u\u031b\u01a1\u0323c mi\u00ea\u0303n gia\u0309m gia\u0301 ve\u0301 theo qui<\/span> \u0111i\u0323nh.\u00a0<\/p>\n

Ngu\u031b\u01a1\u0300i \u0111u\u031b\u01a1\u0323c ba\u0309o hi\u00ea\u0309m co\u0300n bao g\u00f4\u0300m ca\u0309 nh\u01b0\u0303ng ha\u0300nh kha\u0301ch \u0111u\u031b\u01a1\u0323c u\u031bu tie\u0302n \u0111\u1ea1\u0306c bi\u1eb9\u0302t kho\u0302ng pha\u0309i mua ve\u0301, tre\u0309 em \u0111i theo ngu\u031b\u01a1\u0300i l\u01a1\u0301n \u0111u\u031b\u01a1\u0323c mi\u00ea\u0303n ve\u0301.<\/p>\n

Tuy nhie\u0302n, ha\u0300nh l\u00ed, ta\u0300i sa\u0309n, ha\u0300ng hoa\u0301 cu\u0309a ha\u0300nh kha\u0301ch mang theo, ca\u0301c la\u0301i phu\u0323 xe, va\u0300 nh\u01b0\u0303ng ngu\u031b\u01a1\u0300i \u0111ang la\u0300m vi\u1eb9\u0302c tre\u0302n ca\u0301c phu\u031bo\u031bng ti\u1eb9\u0302n v\u1ea1\u0302n chuy\u00ea\u0309n ha\u0300nh kha\u0301ch (o\u0302 to\u0302, ta\u0300u ho\u0309a, ta\u0300u thu\u0309y, thuy\u00ea\u0300n, pha\u0300 va\u0300 ma\u0301y bay) kho\u0302ng thu\u1ecd\u0302c \u0111\u00f4\u0301i tu\u031b\u01a1\u0323ng ba\u0309o hi\u00ea\u0309m.\u00a0<\/p>\n

Nghi\u1eb9\u0302p vu\u0323 na\u0300y \u01a1\u0309 nu\u031b\u01a1\u0301c ta \u0111u\u031b\u01a1\u0323c ca\u0301c co\u0302ng ty tri\u00ea\u0309n khai du\u031b\u01a1\u0301i hi\u0300nh th\u01b0\u0301c b\u0103\u0301t bu\u1ecd\u0302c, vi\u0300 v\u1ea1\u0302y phi\u0301 ba\u0309o hi\u00ea\u0309m \u0111u\u031b\u01a1\u0323c ti\u0301nh va\u0300o gia\u0301 cu\u031b\u01a1\u0301c v\u1ea1\u0302n chuy\u00ea\u0309n va\u0300 m\u1ea1\u0306c nhie\u0302n m\u00f4\u0303i t\u00e2\u0301m ve\u0301 la\u0300 m\u1ecd\u0302t gi\u00e2\u0301y ch\u01b0\u0301ng nh\u1ea1\u0302n ba\u0309o hi\u00ea\u0309m.<\/p>\n

Pha\u0323m vi ba\u0309o hi\u00ea\u0309m\u00a0<\/font><\/h3>\n

La\u0300 ca\u0301c ru\u0309i ro do thie\u0302n tai, tai na\u0323n b\u00e2\u0301t ng\u01a1\u0300 xa\u0309y ra trong su\u00f4\u0301t ha\u0300nh tri\u0300nh cu\u0309a ha\u0300nh kha\u0301ch ga\u0302y thi\u1eb9\u0302t ha\u0323i \u0111\u00ea\u0301n ti\u0301nh ma\u0323ng va\u0300 ti\u0300nh tra\u0323ng s\u01b0\u0301c kho\u0309e cu\u0309a ngu\u031b\u01a1\u0300i \u0111u\u031b\u01a1\u0323c ba\u0309o hi\u00ea\u0309m.<\/p>\n

– Thie\u0302n tai bao g\u00f4\u0300m:<\/b> Th\u01a1\u0300i ti\u00ea\u0301t x\u00e2\u0301u, ba\u0303o l\u00f4\u0301c, lu\u0303 lu\u0323t, su\u0323t l\u01a1\u0309 \u0111\u00e2\u0301t \u0111a\u0301… ga\u0302y thi\u1eb9\u0302t ha\u0323i cho phu\u031bo\u031bng ti\u1eb9\u0302n chuye\u0302n ch\u01a1\u0309, do \u0111o\u0301 ga\u0302y thi\u1eb9\u0302t ha\u0323i \u0111\u00ea\u0301n ti\u0301nh ma\u0323ng va\u0300 ti\u0300nh tra\u0323ng s\u01b0\u0301c kho\u0309e cu\u0309a ha\u0300nh kha\u0301ch.<\/p>\n

– Tai na\u0323n b\u00e2\u0301t ng\u01a1\u0300 nhu\u031b:<\/b> \u0110a\u0302m va, cha\u0301y n\u00f4\u0309, l\u1ea1\u0302t nghie\u0302ng, do s\u01b0\u0323 c\u00f4\u0301 k\u0129 thu\u1ea1\u0302t cu\u0309a chi\u0301nh phu\u031bo\u031bng ti\u1eb9\u0302n, l\u00f4\u0303i l\u00e2\u0300m cu\u0309a ngu\u031b\u01a1\u0300i \u0111i\u00ea\u0300u khi\u00ea\u0309n phu\u031bo\u031bng ti\u1eb9\u0302n ho\u1ea1\u0306c do phu\u031bo\u031bng ti\u1eb9\u0302n kha\u0301c \u0111a\u0302m va\u0300o…<\/p>\n

Trong pha\u0323m vi ba\u0309o hi\u00ea\u0309m, kho\u0302ng bao g\u00f4\u0300m ca\u0301c ru\u0309i ro nhu\u031b:<\/p>\n

– Bi\u0323 tai na\u0323n do vi pha\u0323m tr\u1ea1\u0302t t\u01b0\u0323 an toa\u0300n giao tho\u0302ng, vi pha\u0323m pha\u0301p lu\u1ea1\u0302t (nha\u0309y ta\u0300u xe khi phu\u031bo\u031bng ti\u1eb9\u0302n chu\u031ba d\u01b0\u0300ng h\u0103\u0309n, ba\u0301m xe, \u0111\u01b0\u0301ng ng\u00f4\u0300i kho\u0302ng \u0111u\u0301ng ch\u00f4\u0303 qui<\/span> \u0111i\u0323nh, ha\u0300nh hung, a\u0306n c\u0103\u0301p…).<\/p>\n

– Bi\u0323 tai na\u0323n do nh\u01b0\u0303ng nguye\u0302n nha\u0302n kho\u0302ng lie\u0302n quan tr\u01b0\u0323c ti\u00ea\u0301p \u0111\u00ea\u0301n qua\u0301 tri\u0300nh v\u1ea1\u0302n chuy\u00ea\u0309n ho\u1ea1\u0306c ba\u0309n tha\u0302n ti\u0300nh tra\u0323ng s\u01b0\u0301c kho\u0309e cu\u0309a ha\u0300nh kha\u0301ch ga\u0302y ra (ng\u1ecd\u0302 \u0111\u1ecd\u0302c th\u01b0\u0301c a\u0306n, tru\u0301ng gio\u0301, \u00f4\u0301m \u0111au…).<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: Sa\u0309n ph\u00e2\u0309m ba\u0309o hi\u00ea\u0309m thu\u031bo\u031bng ma\u0323i da\u0300nh cho doanh nghi\u1eb9\u0302p , Trung t\u00e2m \u0111\u00e0o t\u1ea1o t\u1eeb xa, \u0110\u1ea1i h\u1ecdc Kinh t\u1ebf Qu\u1ed1c d\u00e2n)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n B\u1ea3o hi\u1ec3m tai n\u1ea1n h\u00e0nh kh\u00e1ch (ti\u1ebfng Anh: Passenger Accident Insurance) l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m nh\u1eb1m \u0111\u1ea3m b\u1ea3o t\u00ednh m\u1ea1ng v\u00e0 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a t\u1ea5t c\u1ea3 h\u00e0nh kh\u00e1ch \u0111i tr\u00ean c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n giao th\u00f4ng kinh doanh chuy\u00ean ch\u1edf h\u00e0nh kh\u00e1ch.\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\/27686"}],"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=27686"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/27686\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=27686"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=27686"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=27686"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}