{"id":5300,"date":"2023-01-14T15:44:52","date_gmt":"2023-01-14T07:44:52","guid":{"rendered":"https:\/\/iglooinsure.com\/ignite-resources\/5-phut-tim-hieu-ve-bao-hiem\/"},"modified":"2024-02-06T10:06:01","modified_gmt":"2024-02-06T02:06:01","slug":"5-phut-tim-hieu-ve-bao-hiem","status":"publish","type":"ignite-resource","link":"https:\/\/iglooinsure.com\/vn\/ignite-resources\/5-phut-tim-hieu-ve-bao-hiem\/","title":{"rendered":"5 ph\u00fat t\u00ecm hi\u1ec3u v\u1ec1 B\u1ea3o hi\u1ec3m"},"content":{"rendered":"\n

Q: B\u1ea3o hi\u1ec3m l\u00e0 g\u00ec<\/h2>\n\n\n\n

Khi nh\u1eafc \u0111\u1ebfn B\u1ea3o hi\u1ec3m, c\u00e1ch \u0111\u01a1n gi\u1ea3n nh\u1ea5t \u0111\u1ec3 h\u00ecnh dung \u0111\u00f3 l\u00e0: B\u1ea1n tr\u1ea3 m\u1ed9t kho\u1ea3n ph\u00ed (ho\u1eb7c ph\u00ed b\u1ea3o hi\u1ec3m) cho m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y vi\u1ec7c b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n v\u00e0 gia \u0111\u00ecnh kh\u1ecfi r\u1ee7i ro t\u1ed5n th\u1ea5t t\u00e0i ch\u00ednh trong t\u01b0\u01a1ng lai, m\u00e0 t\u1ed5n th\u1ea5t \u0111\u00f3 cao h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi kho\u1ea3n ph\u00ed m\u00e0 b\u1ea1n \u0111\u00e3 \u0111\u00f3ng.<\/p>\n\n\n\n

Ch\u1eb3ng h\u1ea1n khi b\u1ea1n mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe v\u00e0 sau \u0111\u00f3 ch\u1eb3ng may b\u1ea1n b\u1ecb b\u1ec7nh n\u1eb7ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 cho b\u1ea1n m\u1ed9t s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u01b0\u1ee3c hai b\u00ean th\u1ecfa thu\u1eadn tr\u01b0\u1edbc \u0111\u00f3. S\u1ed1 ti\u1ec1n n\u00e0y c\u00f3 th\u1ec3 trang tr\u1ea3i to\u00e0n b\u1ed9 ho\u1eb7c \u00edt nh\u1ea5t gi\u00fap gi\u1ea3m thi\u1ec3u \u0111\u00e1ng k\u1ec3 chi ph\u00ed b\u1ea1n ph\u1ea3i tr\u1ea3 khi nh\u1eadp vi\u1ec7n, \u0111i\u1ec1u tr\u1ecb y t\u1ebf, t\u1ed5n th\u1ea5t trong thu nh\u1eadp, v.v. Chi ph\u00ed ph\u1ea3i tr\u1ea3 n\u00e0y th\u01b0\u1eddng cao h\u01a1n r\u1ea5t nhi\u1ec1u l\u1ea7n so v\u1edbi kho\u1ea3n ph\u00ed b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n ph\u1ea3i \u0111\u00f3ng cho c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n

\"ba\u0309o<\/figure>\n\n\n\n

Trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c chi tr\u1ea3 sau khi b\u1ea1n qua \u0111\u1eddi. Khi b\u1ea1n m\u1ea5t, d\u00f9 t\u1ed5n th\u1ea5t t\u00e0i ch\u00ednh kh\u00f4ng tr\u1ef1c ti\u1ebfp \u1ea3nh h\u01b0\u1edfng t\u1edbi b\u1ea1n nh\u01b0ng l\u1ea1i \u1ea3nh h\u01b0\u1edfng t\u1edbi ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng c\u1ee7a b\u1ea1n. H\u1ecd th\u01b0\u1eddng l\u00e0 nh\u1eefng ng\u01b0\u1eddi s\u1ed1ng ph\u1ee5 thu\u1ed9c v\u00e0o b\u1ea1n v\u1ec1 ph\u01b0\u01a1ng di\u1ec7n<\/p>\n\n\n\n

t\u00e0i ch\u00ednh (nh\u01b0 v\u1ee3\/ ch\u1ed3ng, con c\u00e1i, v.v). S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m chi tr\u1ea3 n\u00e0y \u0111\u01b0\u1ee3c tr\u1ea3 cho ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng v\u00e0 r\u00f5 r\u00e0ng s\u1ebd gi\u00fap h\u1ecd gi\u1ea3m thi\u1ec3u ph\u1ea7n n\u00e0o t\u1ed5n th\u1ea5t t\u00e0i ch\u00ednh khi b\u1ea1n m\u1ea5t<\/p>\n\n\n\n

T\u1ea1i sao c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 l\u00e0m \u0111\u01b0\u1ee3c nh\u01b0 v\u1eady? C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 x\u00e2y d\u1ef1ng c\u00e1c ph\u00e9p t\u00ednh th\u1ed1ng k\u00ea ph\u1ee9c t\u1ea1p v\u1ec1 kh\u1ea3 n\u0103ng x\u1ea3y ra nh\u1eefng s\u1ef1 ki\u1ec7n d\u1eabn \u0111\u1ebfn b\u1ed3i th\u01b0\u1eddng nh\u01b0 v\u1eady n\u00ean h\u1ecd c\u00f3 th\u1ec3 thanh to\u00e1n nh\u1eefng kho\u1ea3n ti\u1ec1n chi tr\u1ea3 n\u00e0y (v\u00e0 v\u1eabn c\u00f3 l\u1ee3i nhu\u1eadn). H\u1ecd \u0111\u1ecbnh gi\u00e1 ph\u00ed b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean x\u00e1c su\u1ea5t n\u00e0y v\u00e0 g\u1ed9p chung ch\u00fang l\u1ea1i v\u1edbi nhau. B\u1eb1ng c\u00e1ch \u0111\u00f3, h\u1ecd \u0111\u1ea3m b\u1ea3o kh\u1ea3 n\u0103ng thanh to\u00e1n khi c\u1ea7n m\u00e0 v\u1eabn \u0111em v\u1ec1 doanh thu cho c\u00f4ng ty.<\/p>\n\n\n\n

Q: V\u00cc SAO N\u00caN MUA B\u1ea2O HI\u1ec2M<\/h2>\n\n\n\n

B\u1ea3o hi\u1ec3m l\u00e0 ph\u01b0\u01a1ng th\u1ee9c b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n kh\u1ecfi r\u1ee7i ro \u0111\u1ed1i v\u1edbi b\u1ea5t k\u1ef3 t\u1ed5n th\u1ea5t t\u00e0i ch\u00ednh ti\u1ec1m \u1ea9n n\u00e0o. H\u00ecnh th\u1ee9c b\u1ea3o v\u1ec7 n\u00e0y c\u00f3 th\u1ec3 b\u1ea3o v\u1ec7 b\u1ea1n kh\u1ecfi nh\u1eefng thi\u1ec7t h\u1ea1i do tai n\u1ea1n xe (B\u1ea3o hi\u1ec3m xe h\u01a1i); nh\u1eefng b\u1ea5t ti\u1ec7n khi th\u1ea5t l\u1ea1c h\u00e0nh l\u00fd trong chuy\u1ebfn du l\u1ecbch n\u01b0\u1edbc ngo\u00e0i (B\u1ea3o hi\u1ec3m du l\u1ecbch); chi ph\u00ed y t\u1ebf ph\u00e1t sinh do tai n\u1ea1n (B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n); ho\u1eb7c th\u1eadm ch\u00ed nh\u1eefng t\u1ed5n th\u1ea5t ho\u1eb7c thi\u1ec7t h\u1ea1i trong qu\u00e1 tr\u00ecnh v\u1eadn chuy\u1ec3n (B\u1ea3o hi\u1ec3m h\u00e0ng h\u00f3a v\u1eadn chuy\u1ec3n) \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m mua tr\u00ean c\u00e1c n\u1ec1n t\u1ea3ng th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed. B\u1ea1n th\u1eadm ch\u00ed c\u00f3 th\u1ec3 b\u1ea3o hi\u1ec3m cho th\u00fa c\u01b0ng c\u1ee7a m\u00ecnh \u0111\u1ec3 trang tr\u1ea3i c\u00e1c chi ph\u00ed y t\u1ebf trong t\u01b0\u01a1ng lai cho ch\u00fang (B\u1ea3o hi\u1ec3m v\u1eadt nu\u00f4i).<\/p>\n\n\n\n

\"v\u00ec<\/figure>\n\n\n\n

Khi mua b\u1ea3o hi\u1ec3m, b\u1ea1n gi\u1ea3m thi\u1ec3u nh\u1eefng r\u1ee7i ro t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng n\u00e0y m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3, \u0111\u1ed3ng th\u1eddi chuy\u1ec3n t\u1ea5t c\u1ea3 nh\u1eefng r\u1ee7i ro t\u00e0i ch\u00ednh \u0111\u00f3 t\u1eeb b\u1ea1n sang nh\u00e0 b\u1ea3o hi\u1ec3m (ho\u1eb7c c\u00f4ng ty b\u1ea3o hi\u1ec3m). S\u1ed1ng trong th\u1ebf gi\u1edbi ng\u00e0y m\u1ed9t ph\u1ee9c t\u1ea1p nh\u01b0 hi\u1ec7n nay, vi\u1ec7c c\u00f3 \u0111\u01b0\u1ee3c s\u1ef1 \u0111\u1ea3m b\u1ea3o cho b\u1ea3n th\u00e2n tr\u01b0\u1edbc b\u1ea5t k\u1ef3 s\u1ef1 ki\u1ec7n r\u1ee7i ro n\u00e0o l\u00e0 ho\u00e0n to\u00e0n h\u1ee3p l\u00fd v\u00e0 c\u1ea7n thi\u1ebft.<\/p>\n\n\n\n

T\u1ea1i Igloo, ch\u00fang t\u00f4i lu\u00f4n tin r\u1eb1ng ph\u01b0\u01a1ng th\u1ee9c b\u1ea3o v\u1ec7 n\u00e0y n\u00ean \u0111\u01b0\u1ee3c ph\u1ed5 bi\u1ebfn \u0111\u1ebfn m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng, v\u00e0 v\u1edbi m\u1ee9c gi\u00e1 ph\u00f9 h\u1ee3p cho c\u1ea3 ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m. Ch\u00fang t\u00f4i \u0111\u00e3 \u0111\u1ea1t \u0111\u01b0\u1ee3c \u0111i\u1ec1u n\u00e0y nh\u1edd t\u1eadn d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o ti\u00ean ti\u1ebfn \u0111\u1ec3 t\u1ed5 ch\u1ee9c hi\u1ec7u qu\u1ea3 quy tr\u00ecnh b\u00e1n v\u00e0 mua b\u1ea3o hi\u1ec3m. C\u00e1c gi\u1ea3i ph\u00e1p insurtech c\u1ee7a Igloo \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 \u0111em l\u1ea1i l\u1ee3i nhu\u1eadn nhi\u1ec1u h\u01a1n bao gi\u1edd h\u1ebft cho ng\u00e0nh b\u1ea3o hi\u1ec3m.<\/p>\n","protected":false},"excerpt":{"rendered":"

Khi nh\u1eafc \u0111\u1ebfn B\u1ea3o hi\u1ec3m, c\u00e1ch \u0111\u01a1n gi\u1ea3n nh\u1ea5t \u0111\u1ec3 h\u00ecnh dung \u0111\u00f3 l\u00e0: B\u1ea1n tr\u1ea3 m\u1ed9t kho\u1ea3n ph\u00ed (ho\u1eb7c ph\u00ed b\u1ea3o hi\u1ec3m) cho m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y vi\u1ec7c b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n v\u00e0 gia \u0111\u00ecnh kh\u1ecfi r\u1ee7i ro t\u1ed5n th\u1ea5t t\u00e0i ch\u00ednh trong t\u01b0\u01a1ng lai, m\u00e0 t\u1ed5n th\u1ea5t \u0111\u00f3 cao h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi kho\u1ea3n ph\u00ed m\u00e0 b\u1ea1n \u0111\u00e3 \u0111\u00f3ng.<\/p>\n","protected":false},"author":1,"featured_media":5302,"template":"","meta":{"_acf_changed":false,"_seopress_robots_primary_cat":"","_seopress_titles_title":"","_seopress_titles_desc":"","_seopress_robots_index":""},"country":[6],"class_list":["post-5300","ignite-resource","type-ignite-resource","status-publish","has-post-thumbnail","hentry","country-vietnam"],"acf":[],"_links":{"self":[{"href":"https:\/\/iglooinsure.com\/vn\/wp-json\/wp\/v2\/ignite-resource\/5300","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/iglooinsure.com\/vn\/wp-json\/wp\/v2\/ignite-resource"}],"about":[{"href":"https:\/\/iglooinsure.com\/vn\/wp-json\/wp\/v2\/types\/ignite-resource"}],"author":[{"embeddable":true,"href":"https:\/\/iglooinsure.com\/vn\/wp-json\/wp\/v2\/users\/1"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/iglooinsure.com\/vn\/wp-json\/wp\/v2\/media\/5302"}],"wp:attachment":[{"href":"https:\/\/iglooinsure.com\/vn\/wp-json\/wp\/v2\/media?parent=5300"}],"wp:term":[{"taxonomy":"country","embeddable":true,"href":"https:\/\/iglooinsure.com\/vn\/wp-json\/wp\/v2\/country?post=5300"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}