{"id":2068,"date":"2023-07-17T15:15:55","date_gmt":"2023-07-17T10:15:55","guid":{"rendered":"https:\/\/101insurance.ca\/bao-hiem-benh-hiem-ngheo-2\/"},"modified":"2025-03-28T07:58:53","modified_gmt":"2025-03-28T02:58:53","slug":"bao-hiem-benh-hiem-ngheo","status":"publish","type":"page","link":"https:\/\/101insurance.ca\/vi\/san-pham\/bao-hiem-benh-hiem-ngheo\/","title":{"rendered":"B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2068\" class=\"elementor elementor-2068 elementor-457\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e5ae1f4 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"4e5ae1f4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-55f91268 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"55f91268\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-45644233 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"45644233\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1f552a6f elementor-widget elementor-widget-heading\" data-id=\"1f552a6f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6e33c122 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"6e33c122\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-990d6b7 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"990d6b7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-12511a0 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"12511a0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4e81986c elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"4e81986c\" data-element_type=\"widget\" data-settings=\"{&quot;exclude_headings_by_selector&quot;:[],&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;],&quot;container&quot;:&quot;article&quot;,&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tM\u1ee5c l\u1ee5c\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__4e81986c\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__4e81986c\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__4e81986c\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<article class=\"elementor-element elementor-element-7fbf8c62 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"7fbf8c62\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66958149 elementor-widget elementor-widget-text-editor\" data-id=\"66958149\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><strong>B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o l\u00e0 g\u00ec?<\/strong><\/h2><p>Ch\u00fang t\u00f4i tin r\u1eb1ng h\u1ea7u h\u1ebft ng\u01b0\u1eddi d\u00e2n Canada kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o \u0111\u01a1n gi\u1ea3n v\u00ec h\u1ecd kh\u00f4ng hi\u1ec3u c\u00e1ch s\u1ea3n ph\u1ea9m ho\u1ea1t \u0111\u1ed9ng v\u00e0 t\u1ea7m quan tr\u1ecdng c\u1ee7a n\u00f3. Khi xem x\u00e9t t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c nhau m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 mua \u1edf Canada (nh\u00e0, \u00f4 t\u00f4, \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng, nh\u00e2n th\u1ecd, t\u00e0n t\u1eadt, v.v.), \u0111\u00e2y ch\u1eafc ch\u1eafn l\u00e0 m\u1ed9t trong nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m quan tr\u1ecdng nh\u1ea5t. T\u1ea1i sao? \u0110\u01a1n gi\u1ea3n b\u1edfi v\u00ec b\u1ea1n \u0111ang b\u1ea3o hi\u1ec3m cho s\u1ee9c kh\u1ecfe c\u1ee7a ch\u00ednh m\u00ecnh. C\u00f3 g\u00ec quan tr\u1ecdng h\u01a1n xe h\u01a1i v\u00e0 nh\u00e0 c\u1ee7a b\u1ea1n? S\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n l\u00e0 \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t b\u1ea1n \u0111ang c\u00f3. Nh\u01b0ng khi b\u1ea1n kh\u00f4ng c\u00f3 s\u1ee9c kh\u1ecfe, s\u1ef1 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh ch\u1eafc ch\u1eafn s\u1ebd gi\u00fap b\u1ea1n r\u1ea5t l\u1edbn trong qu\u00e1 tr\u00ecnh ph\u1ee5c h\u1ed3i.<\/p><p>B\u1ea3o hi\u1ec3m hi\u1ec3m ngh\u00e8o cung c\u1ea5p m\u1ed9t kho\u1ea3n h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh tr\u1ea3 ngay m\u1ed9t l\u1ea7n trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n m\u1eafc m\u1ed9t trong c\u00e1c t\u00ecnh tr\u1ea1ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m tr\u00ean h\u1ee3p \u0111\u1ed3ng. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n th\u01b0\u1eddng cung c\u1ea5p b\u1ea3o hi\u1ec3m cho 25 t\u00ecnh tr\u1ea1ng b\u1ec7nh hi\u1ec3m ngh\u00e8o. Tuy nhi\u00ean, c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m kh\u00e1c nhau b\u1ea3o hi\u1ec3m cho c\u00e1c t\u00ecnh tr\u1ea1ng b\u1ec7nh kh\u00e1c nhau, c\u00f3 th\u1ec3 giao \u0111\u1ed9ng t\u1eeb 3 \u0111\u1ebfn 25 b\u1ec7nh. Ba ch\u1ee9ng b\u1ec7nh ph\u1ed5 bi\u1ebfn nh\u1ea5t th\u01b0\u1eddng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng l\u00e0 \u0111au tim, \u0111\u1ed9t qu\u1ef5 v\u00e0 ung th\u01b0.<\/p><p>H\u1ea7u h\u1ebft c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1eddi gian ch\u1edd l\u00e0 30 ng\u00e0y. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 s\u1ed1 ti\u1ec1n \u0111\u1ec1n b\u00f9 c\u1ee7a h\u1ee3p \u0111\u1ed3ng (v\u00ed d\u1ee5: 100.000 \u0111\u00f4 la) \u0111\u01b0\u1ee3c thanh to\u00e1n sau 30 ng\u00e0y k\u1ec3 t\u1eeb khi \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n m\u1eafc m\u1ed9t t\u00ecnh tr\u1ea1ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. B\u1ea3o hi\u1ec3m n\u00e0y \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 cung c\u1ea5p h\u1ed7 tr\u1ee3 v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh cho b\u1ea1n khi b\u1ea1n c\u1ea7n n\u00f3 nh\u1ea5t. N\u1ebfu b\u1ea1n \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n ung th\u01b0 ng\u00e0y h\u00f4m nay v\u00e0 kh\u00f4ng th\u1ec3 l\u00e0m vi\u1ec7c do \u0111i\u1ec1u tr\u1ecb trong v\u00f2ng 12 th\u00e1ng t\u1edbi. Li\u1ec7u b\u1ea1n c\u00f3 m\u1ed9t kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u1ee7 \u0111\u1ec3 b\u00f9 \u0111\u1eafp cho kho\u1ea3n thu nh\u1eadp m\u1ea5t \u0111i c\u0169ng nh\u01b0 ng\u00e2n s\u00e1ch chi tr\u1ea3 cho c\u00e1c chi ph\u00ed c\u0103n b\u1ea3n, c\u00e1c h\u00f3a \u0111\u01a1n trong 12 th\u00e1ng? H\u1ea7u h\u1ebft ng\u01b0\u1eddi d\u00e2n Canada kh\u00f4ng c\u00f3 \u0111\u1ee7 s\u1ed1 ti\u1ec1n n\u00e0y, \u0111\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao m\u1ecdi ng\u01b0\u1eddi n\u00ean c\u1ea7n c\u00f3 b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o.<\/p><h2><strong>C\u00e1ch ho\u1ea1t \u0111\u1ed9ng c\u1ee7a B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o<\/strong><\/h2><p>B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o kh\u00f4ng qu\u00e1 kh\u00f3 hi\u1ec3u nh\u01b0 m\u1ecdi ng\u01b0\u1eddi th\u01b0\u1eddng ngh\u0129. \u0110\u01a1n gi\u1ea3n, b\u1ea1n mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 n\u1ebfu b\u1ea1n \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n m\u1eafc m\u1ed9t trong c\u00e1c t\u00ecnh tr\u1ea1ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd g\u1eedi cho b\u1ea1n m\u1ed9t t\u1edd s\u00e9c (mi\u1ec5n thu\u1ebf) m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng theo \u00fd mu\u1ed1n. Vi\u1ec7c b\u1ea1n s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n \u0111\u00f3 nh\u01b0 th\u1ebf n\u00e0o l\u00e0 do quy\u1ebft \u0111\u1ecbnh c\u1ee7a b\u1ea1n, kh\u00f4ng c\u00f3 r\u00e0ng bu\u1ed9c hay gi\u1edbi h\u1ea1n v\u1ec1 m\u1ee5c \u0111\u00edch s\u1ef1 d\u1ee5ng.<\/p><p><strong>L\u1ee3i \u00edch c\u1ee7a b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o<\/strong><\/p><p>B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o \u0111ang ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn \u1edf Canada v\u00ec nh\u1eefng l\u00fd do sau:<\/p><p>&#8211; <strong>B\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh:<\/strong> B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o cung c\u1ea5p s\u1ef1 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n m\u1eafc m\u1ed9t t\u00ecnh tr\u1ea1ng b\u1ec7nh \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. S\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c tr\u1ea3 t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 chi tr\u1ea3 c\u00e1c kho\u1ea3n chi ph\u00ed y t\u1ebf, thay th\u1ebf thu nh\u1eadp b\u1ecb m\u1ea5t trong qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb, ho\u1eb7c th\u1ef1c hi\u1ec7n c\u00e1c \u0111i\u1ec1u ch\u1ec9nh c\u1ea7n thi\u1ebft cho l\u1ed1i s\u1ed1ng m\u1edbi c\u1ee7a b\u1ea1n.<\/p><p>&#8211; <strong>T\u00ednh linh ho\u1ea1t<\/strong>: S\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng theo \u00fd mu\u1ed1n c\u1ee7a b\u1ea1n. Vi\u1ec7c b\u1ea1n s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n \u0111\u00f3 kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf, mang \u0111\u1ebfn cho b\u1ea1n s\u1ef1 t\u1ef1 do gi\u1ea3i quy\u1ebft c\u00e1c nhu c\u1ea7u v\u00e0 \u01b0u ti\u00ean ri\u00eang c\u1ee7a m\u00ecnh.<\/p><p>&#8211; <strong>S\u1ef1 y\u00ean t\u00e2m<\/strong>: S\u1edf h\u1eefu b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o mang l\u1ea1i cho b\u1ea1n s\u1ef1 y\u00ean t\u00e2m r\u1eb1ng b\u1ea1n \u0111ang an to\u00e0n trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc ph\u1ea3i m\u1ed9t c\u0103n b\u1ec7nh nghi\u00eam tr\u1ecdng. N\u00f3 mang l\u1ea1i s\u1ef1 an t\u00e2m r\u1eb1ng b\u1ea1n c\u00f3 th\u1ec3 t\u1eadp trung v\u00e0o vi\u1ec7c ph\u1ee5c h\u1ed3i s\u1ee9c kh\u1ecfe m\u00e0 kh\u00f4ng ph\u1ea3i lo l\u1eafng v\u1ec1 nh\u1eefng h\u1ec7 l\u1ee5y t\u00e0i ch\u00ednh.<\/p><p>&#8211; <strong>Kh\u1ea3 n\u0103ng t\u00f9y ch\u1ec9nh<\/strong>: H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ec3 \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n. B\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh v\u00e0 ho\u00e0n c\u1ea3nh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n.<\/p><p>&#8211; <strong>B\u1ed5 sung cho B\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3:<\/strong> B\u1ea3o hi\u1ec3m b\u1ec7nh n\u1eb7ng c\u00f3 th\u1ec3 b\u1ed5 sung cho b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe hi\u1ec7n c\u00f3 ho\u1eb7c b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt. N\u00f3 mang \u0111\u1ebfn m\u1ed9t l\u1edbp b\u1ea3o v\u1ec7 b\u1ed5 sung th\u00eam cho c\u00e1c b\u1ec7nh hi\u1ec3m ngh\u00e8o, \u0111\u1ea3m b\u1ea3o b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n cho c\u00e1c t\u00ecnh hu\u1ed1ng y t\u1ebf kh\u00e1c nhau.<\/p><p>&#8211; <strong>B\u1ea3o v\u1ec7 gia \u0111\u00ecnh:<\/strong> B\u1ea3o hi\u1ec3m b\u1ec7nh n\u1eb7ng kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n m\u00e0 c\u00f2n b\u1ea3o v\u1ec7 th\u00e0nh vi\u00ean trong gia \u0111\u00ecnh. S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi th\u00e2n trong gia \u0111\u00ecnh trong th\u1eddi gian kh\u00f3 kh\u0103n, chi tr\u1ea3 c\u00e1c kho\u1ea3n chi ph\u00ed nh\u01b0 ti\u1ec1n vay th\u1ebf ch\u1ea5p, chi ph\u00ed gi\u00e1o d\u1ee5c ho\u1eb7c chi ph\u00ed sinh ho\u1ea1t h\u00e0ng ng\u00e0y.<\/p><p><strong>C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o<\/strong><\/p><p>\u1ede Canada, c\u00f3 c\u00e1c lo\u1ea1i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o kh\u00e1c nhau. T\u01b0\u01a1ng t\u1ef1 nh\u01b0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, b\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1eddi h\u1ea1n v\u00e0 h\u1ee3p \u0111\u1ed3ng v\u0129nh vi\u1ec5n. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng nh\u1ea5t l\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1eddi h\u1ea1n 10 n\u0103m, cung c\u1ea5p m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ed5i trong 10 n\u0103m. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 mua c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1eddi h\u1ea1n d\u00e0i h\u01a1n nh\u01b0 20 n\u0103m, th\u1eddi h\u1ea1n \u0111\u1ebfn 65 tu\u1ed5i.v.v&#8230;<\/p><p>C\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u00eam l\u1ee3i \u00edch b\u1ed5 sung (\u201crider\u201d) g\u1ecdi l\u00e0 l\u1ee3i \u00edch \u201cho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m\u201d (\u201creturn of premium\u201d). L\u1ee3i \u00edch n\u00e0y cho ph\u00e9p ch\u1ee7 h\u1ee3p \u0111\u1ed3ng nh\u1eadn l\u1ea1i to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00e3 tr\u1ea3 cho h\u1ee3p \u0111\u1ed3ng n\u1ebfu h\u1ecd ch\u01b0a t\u1eebng y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m. T\u00f9y thu\u1ed9c v\u00e0o h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m m\u00e0 m\u1ee9c ti\u1ec1n ho\u00e0n tr\u1ea3 c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y theo th\u1eddi gian c\u1ee7a h\u1ee3p \u0111\u1ed3ng. Ch\u1eb3ng h\u1ea1n, m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o v\u0129nh vi\u1ec5n th\u1eddi h\u1ea1n 20 n\u0103m c\u00f3 th\u1ec3 s\u1ebd ho\u00e0n tr\u1ea3 50% ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u00f3ng sau 10 n\u0103m ho\u1eb7c ho\u00e0n tr\u1ea3 100% ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u00f3ng sau 20 n\u0103m n\u1ebfu ch\u1ee7 h\u1ee3p \u0111\u1ed3ng quy\u1ebft \u0111\u1ecbnh h\u1ee7y b\u1ecf h\u1ee3p \u0111\u1ed3ng sau nh\u1eefng th\u1eddi gian tr\u00ean.<\/p><p>Ch\u00fang t\u00f4i \u0111\u1ec1 ngh\u1ecb b\u1ea1n n\u00ean trao \u0111\u1ed5i v\u1edbi m\u1ed9t trong nh\u1eefng t\u01b0 v\u1ea5n vi\u00ean c\u00f3 gi\u1ea5y ph\u00e9p c\u1ee7a ch\u00fang t\u00f4i \u0111\u1ec3 xem x\u00e9t t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u00e0 nhu c\u1ea7u hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n, t\u1eeb \u0111\u00f3 x\u00e1c \u0111\u1ecbnh s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n.<\/p><h2><strong>B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 \u0111\u00e1ng \u0111\u1ea7u t\u01b0 kh\u00f4ng?<\/strong><\/h2><p>B\u1ea1n s\u1ebd b\u1ecb \u1ea3nh h\u01b0\u1edfng t\u00e0i ch\u00ednh n\u1ebfu b\u1ea1n \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n m\u1eafc m\u1ed9t c\u0103n b\u1ec7nh hi\u1ec3m ngh\u00e8o v\u00e0 kh\u00f4ng th\u1ec3 ti\u1ebfp t\u1ee5c l\u00e0m vi\u1ec7c? B\u1ea1n c\u00f3 \u0111\u1ee7 kh\u1ea3 n\u0103ng \u0111\u1ed1i ph\u00f3 v\u1edbi nh\u1eefng chi ph\u00ed b\u1ea5t ng\u1edd li\u00ean quan \u0111\u1ebfn b\u1ec7nh hi\u1ec3m ngh\u00e8o (kh\u00e1m b\u1ec7nh \u1edf n\u01b0\u1edbc ngo\u00e0i, s\u1eeda ch\u1eefa l\u1ea1i nh\u00e0 c\u1eeda ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u b\u1ec7nh t\u00ecnh, h\u00f3a \u0111\u01a1n y t\u1ebf, v.v.) kh\u00f4ng?<\/p><p>N\u1ebfu b\u1ea1n b\u1ecb \u1ea3nh h\u01b0\u1edfng ti\u00eau c\u1ef1c v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh khi b\u1ea1n \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n m\u1eafc m\u1ed9t c\u0103n b\u1ec7nh hi\u1ec3m ngh\u00e8o, b\u1ea1n n\u00ean xem x\u00e9t nghi\u00eam t\u00fac vi\u1ec7c mua b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o. Ch\u00fang t\u00f4i m\u1ea1nh d\u1ea1n kh\u1eb3ng \u0111\u1ecbnh r\u1eb1ng b\u1ea1n n\u00ean mua b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o n\u1ebfu \u0111i\u1ec1u ki\u1ec7n t\u00e0i ch\u00ednh cho ph\u00e9p, d\u00f9 b\u1ea1n c\u00f3 b\u1ecb \u1ea3nh h\u01b0\u1edfng nhi\u1ec1u v\u1ec1 t\u00e0i ch\u00ednh hay kh\u00f4ng, v\u00ec n\u00f3 mang l\u1ea1i s\u1ef1 y\u00ean t\u00e2m r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd cung c\u1ea5p ph\u1ea7n h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh khi b\u1ea1n c\u1ea7n \u0111\u1ebfn nh\u1ea5t.<\/p><h2>C\u00e1c t\u00ednh n\u0103ng c\u1ee7a BH b\u1ec7nh hi\u1ec3m ngh\u00e8o<\/h2><h3><strong>T\u00f9y ch\u1ecdn Thay m\u1edbi h\u1ee3p \u0111\u1ed3ng (Renewable)<\/strong><\/h3><p>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 th\u1eddi h\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00e1i k\u00fd khi k\u1ebft th\u00fac th\u1eddi h\u1ea1n m\u00e0 ch\u1ee7 h\u1ee3p \u0111\u1ed3ng kh\u00f4ng c\u1ea7n ph\u1ea3i ch\u1ee9ng minh s\u1ee9c kh\u1ecfe \u0111\u1ea3m b\u1ea3o \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. V\u00ed d\u1ee5, \u0111\u1ed1i v\u1edbi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o 10 n\u0103m, v\u00e0o n\u0103m th\u1ee9 11, b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00e1i k\u00fd th\u00eam 10 n\u0103m n\u1eefa (tuy nhi\u00ean, v\u1edbi m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m cao h\u01a1n). Tr\u01b0\u1edbc \u0111\u00e2y, t\u00f9y ch\u1ecdn t\u00e1i k\u00fd h\u1ee3p \u0111\u1ed3ng l\u00e0 m\u1ed9t t\u00ednh n\u0103ng quan tr\u1ecdng c\u1ee7a b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 th\u1eddi h\u1ea1n. Tuy nhi\u00ean, trong 15 n\u0103m qua, t\u00f9y ch\u1ecdn n\u00e0y \u0111\u00e3 tr\u1edf n\u00ean \u00edt quan tr\u1ecdng h\u01a1n do t\u1ea5t c\u1ea3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u1edf Canada \u0111\u1ec1u cung c\u1ea5p t\u00f9y ch\u1ecdn n\u00e0y. V\u1ea5n \u0111\u1ec1 l\u00e0 m\u1ee9c ph\u00ed t\u00e1i k\u00fd h\u1ee3p \u0111\u1ed3ng qu\u00e1 cao \u0111\u1ebfn m\u1ee9c h\u1ea7u h\u1ebft ng\u01b0\u1eddi ti\u00eau d\u00f9ng kh\u00f4ng s\u1eb5n l\u00f2ng chi tr\u1ea3 m\u1ee9c ph\u00ed m\u1edbi n\u00e0y. Tr\u01b0\u1edbc \u0111\u00e2y, \u0111\u1ebfn gi\u1eefa th\u1eadp k\u1ef7 90, m\u1ee9c ph\u00ed t\u00e1i k\u00fd h\u1ee3p \u0111\u1ed3ng th\u1ea5p h\u01a1n nhi\u1ec1u n\u00ean vi\u1ec7c t\u00e1i k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1eddi h\u1ea1n h\u1ee3p l\u00fd h\u01a1n so v\u1edbi vi\u1ec7c k\u00fd m\u1edbi h\u1ee3p \u0111\u1ed3ng.<\/p><p><strong>\u00a0<\/strong><\/p><h3><strong>T\u00f9y ch\u1ecdn Chuy\u1ec3n \u0111\u1ed5i (Convertible)<\/strong><\/h3><p>T\u00ednh n\u0103ng chuy\u1ec3n \u0111\u1ed5i l\u00e0 m\u1ed9t trong nh\u1eefng y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t trong c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1eddi h\u1ea1n hi\u1ec7n nay. C\u1ee5 th\u1ec3, b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 th\u1eddi h\u1ea1n bao g\u1ed3m m\u1ed9t \u0111i\u1ec1u kho\u1ea3n cho ph\u00e9p b\u1ea1n \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1eddi h\u1ea1n th\u00e0nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u0129nh vi\u1ec5n m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i ki\u1ec3m tra y t\u1ebf (\u0111\u1ebfn m\u1ed9t \u0111\u1ed9 tu\u1ed5i nh\u1ea5t \u0111\u1ecbnh). \u0110i\u1ec1u kho\u1ea3n n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c xem nh\u01b0 l\u00e0 \u0111i\u1ec1u kho\u1ea3n \u201cmi\u1ec5n tr\u1eeb ki\u1ec3m tra s\u1ee9c kh\u1ecfe\u201d. M\u1eb7c d\u00f9 b\u1ea1n c\u00f3 th\u1ec3 kh\u00f4ng c\u1ea7n s\u1eed d\u1ee5ng \u0111\u1ebfn \u0111i\u1ec1u kho\u1ea3n n\u00e0y, n\u00f3 v\u1eabn l\u00e0 \u0111i\u1ec1u kho\u1ea3n v\u00f4 c\u00f9ng quan tr\u1ecdng c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c trong tr\u01b0\u1eddng h\u1ee3p x\u1ea5u nh\u1ea5t.<\/p><p>V\u00ed d\u1ee5, n\u1ebfu b\u1ea1n c\u00f3 m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 th\u1eddi h\u1ea1n. M\u1ed9t th\u1eddi gian sau, s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n tr\u1edf n\u00ean x\u1ea5u \u0111i, khi\u1ebfn b\u1ea1n kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c n\u1eefa. L\u00fac n\u00e0y, t\u00ednh n\u0103ng chuy\u1ec3n \u0111\u1ed5i c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea1n \u0111\u00e3 mua s\u1ebd cho ph\u00e9p b\u1ea1n chuy\u1ec3n \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1eddi h\u1ea1n th\u00e0nh h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i ki\u1ec3m tra y t\u1ebf. H\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1ea1i Canada \u0111\u1ec1u cung c\u1ea5p t\u00ednh n\u0103ng n\u00e0y \u0111i k\u00e8m v\u1edbi ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 th\u1eddi h\u1ea1n.<\/p><h2><strong>T\u1ed5ng k\u1ebft<\/strong><\/h2><p>B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m tuy\u1ec7t v\u1eddi m\u00e0 ph\u1ea7n l\u1edbn ng\u01b0\u1eddi d\u00e2n Canada n\u00ean s\u1eed d\u1ee5ng. C\u00f3 nhi\u1ec1u c\u00e1ch \u0111\u1ec3 c\u1ea5u tr\u00fac c\u00e1c h\u1ee3p \u0111\u1ed3ng n\u00e0y sao cho ph\u00f9 h\u1ee3p v\u1edbi ng\u01b0\u1eddi d\u00e2n Canada. T\u1ef7 l\u1ec7 m\u1eafc ph\u1ea3i b\u1ec7nh hi\u1ec3m ngh\u00e8o \u0111ang t\u0103ng l\u00ean t\u1eebng n\u0103m. T\u1ea1i sao kh\u00f4ng \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra \u0111i\u1ec1u kh\u00f4ng may? H\u00e3y \u0111\u1ea3m b\u1ea3o b\u1ea1n y\u00ean t\u00e2m bi\u1ebft r\u1eb1ng t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n s\u1ebd \u1ed5n \u0111\u1ecbnh n\u1ebfu b\u1ea1n m\u1eafc m\u1ed9t c\u0103n b\u1ec7nh kh\u00f4ng mong mu\u1ed1n. R\u1ea5t ti\u1ebfc l\u00e0 ch\u00fang ta kh\u00f4ng ai l\u00e0 b\u1ea5t kh\u1ea3 x\u00e2m ph\u1ea1m. N\u1ebfu b\u1ea1n mu\u1ed1n bi\u1ebft th\u00eam th\u00f4ng tin v\u1ec1 b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o, xin vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi ch\u00fang t\u00f4i.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-55556a6a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"55556a6a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-471788b4 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-child\" data-id=\"471788b4\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-43f94367 elementor-widget elementor-widget-heading\" data-id=\"43f94367\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nh\u1eadn b\u00e1o gi\u00e1 b\u1ea3o hi\u1ec3m t\u1ea1i \u0111\u00e2y<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a31906 elementor-widget elementor-widget-button\" data-id=\"2a31906\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-lg\" href=\"#\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Nh\u1eadn b\u00e1o gi\u00e1<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b3e2dcf e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"b3e2dcf\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-92d45ec elementor-widget elementor-widget-heading\" data-id=\"92d45ec\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p - B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-417876c elementor-widget elementor-widget-accordion\" data-id=\"417876c\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6861\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-6861\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41C\u00f3 bao nhi\u00eau lo\u1ea1i b\u1ec7nh \u0111\u01b0\u1ee3c bao g\u1ed3m trong B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6861\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-6861\"><p>S\u1ed1 l\u01b0\u1ee3ng v\u00e0 lo\u1ea1i b\u1ec7nh \u0111\u01b0\u1ee3c bao g\u1ed3m trong B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 th\u1ec3 thay \u0111\u1ed5i t\u00f9y t\u1eebng h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m. Th\u00f4ng th\u01b0\u1eddng, c\u00e1c c\u0103n b\u1ec7nh ph\u1ed5 bi\u1ebfn nh\u01b0 ung th\u01b0, \u0111au tim, \u0111\u1ed9t qu\u1ef5 v\u00e0 ti\u1ec3u \u0111\u01b0\u1eddng th\u01b0\u1eddng \u0111\u01b0\u1ee3c bao g\u1ed3m. Tuy nhi\u00ean, h\u00e3y \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n \u0111\u1ec3 bi\u1ebft r\u00f5.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6862\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-6862\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00f4i nh\u1eadn ti\u1ec1n b\u1ed3i th\u01b0\u1eddng t\u1eeb B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6862\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-6862\"><p>\u0110\u1ec3 nh\u1eadn ti\u1ec1n b\u1ed3i th\u01b0\u1eddng t\u1eeb B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o, b\u1ea1n c\u1ea7n ph\u1ea3i ch\u1ee9ng minh r\u1eb1ng b\u1ea1n m\u1eafc ph\u1ea3i c\u0103n b\u1ec7nh \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. B\u1ea1n s\u1ebd c\u1ea7n cung c\u1ea5p b\u1eb1ng ch\u1ee9ng y t\u1ebf v\u00e0 \u0111i\u1ec1u tr\u1ecb t\u1eeb c\u00e1c chuy\u00ean gia y t\u1ebf.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6863\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-6863\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41Th\u1eddi gian ch\u1edd \u0111\u1ee3i (waiting period) l\u00e0 g\u00ec?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6863\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-6863\"><p>Th\u1eddi gian ch\u1edd \u0111\u1ee3i l\u00e0 kho\u1ea3ng th\u1eddi gian sau khi mua b\u1ea3o hi\u1ec3m m\u00e0 b\u1ea1n ph\u1ea3i ch\u1edd tr\u01b0\u1edbc khi b\u1ea1n c\u00f3 th\u1ec3 \u0111\u1ec7 \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. Th\u1eddi gian n\u00e0y c\u00f3 th\u1ec3 thay \u0111\u1ed5i t\u00f9y t\u1eebng h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6864\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-6864\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 \u0111\u1eaft kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6864\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-6864\"><p>Gi\u00e1 c\u1ee7a B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o s\u1ebd thay \u0111\u1ed5i t\u00f9y thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 tu\u1ed5i c\u1ee7a b\u1ea1n, t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe, m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 b\u1ea1n ch\u1ecdn v\u00e0 nhi\u1ec1u y\u1ebfu t\u1ed1 kh\u00e1c. \u0110\u1ec3 bi\u1ebft ch\u00ednh x\u00e1c, h\u00e3y y\u00eau c\u1ea7u b\u00e1o gi\u00e1 t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6865\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-6865\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41T\u00f4i c\u1ea7n th\u00eam th\u00f4ng tin n\u00e0o \u0111\u1ec3 mua B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6865\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-6865\"><p>\u0110\u1ec3 mua B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o, b\u1ea1n s\u1ebd c\u1ea7n cung c\u1ea5p th\u00f4ng tin v\u1ec1 tu\u1ed5i, t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe, thu nh\u1eadp v\u00e0 c\u00e1c chi ti\u1ebft c\u00e1 nh\u00e2n kh\u00e1c. C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd s\u1eed d\u1ee5ng th\u00f4ng tin n\u00e0y \u0111\u1ec3 t\u00ednh to\u00e1n gi\u00e1 b\u1ea3o hi\u1ec3m v\u00e0 cung c\u1ea5p cho b\u1ea1n l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6866\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-6866\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41T\u00f4i c\u1ea7n bao nhi\u00eau ti\u1ec1n b\u1ea3o hi\u1ec3m B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6866\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-6866\"><p>S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m b\u1ea1n n\u00ean mua ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ecnh tr\u1ea1ng t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh c\u1ee7a b\u1ea1n, c\u0169ng nh\u01b0 c\u00e1c m\u1ee5c ti\u00eau c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n. M\u1ed9t s\u1ed1 ng\u01b0\u1eddi ch\u1ecdn mua m\u1ee9c b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng h\u1ecd c\u00f3 \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 chi tr\u1ea3 cho c\u00e1c chi ph\u00ed y t\u1ebf v\u00e0 sinh ho\u1ea1t h\u00e0ng ng\u00e0y trong th\u1eddi k\u1ef3 \u0111i\u1ec1u tr\u1ecb.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6867\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-6867\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41B\u1ea3o hi\u1ec3m B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 mua \u0111\u01b0\u1ee3c cho tr\u1ebb em kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6867\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-6867\"><p>C\u00f3, b\u1ea1n c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o cho tr\u1ebb em c\u1ee7a b\u1ea1n. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 cung c\u1ea5p s\u1ef1 b\u1ea3o v\u1ec7 cho tr\u1ebb em trong tr\u01b0\u1eddng h\u1ee3p tr\u1ebb m\u1eafc ph\u1ea3i c\u0103n b\u1ec7nh nghi\u00eam tr\u1ecdng, gi\u00fap b\u1ea1n lo\u1ea1i b\u1ecf \u00e1p l\u1ef1c t\u00e0i ch\u00ednh.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6868\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-6868\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41T\u00f4i c\u00f3 th\u1ec3 mua th\u00eam b\u1ea3o hi\u1ec3m b\u1ed5 sung cho B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6868\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-6868\"><p>C\u00f3, nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m cho ph\u00e9p b\u1ea1n mua th\u00eam c\u00e1c rider (ph\u1ee5 ph\u00ed) ho\u1eb7c b\u1ea3o hi\u1ec3m b\u1ed5 sung \u0111\u1ec3 t\u0103ng c\u01b0\u1eddng b\u1ea3o v\u1ec7 c\u1ee7a b\u1ea1n. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0 c\u00e1c l\u1ef1a ch\u1ecdn b\u1ed5 sung kh\u00e1c.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-6869\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-6869\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 mua \u0111\u01b0\u1ee3c cho ng\u01b0\u1eddi cao tu\u1ed5i kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-6869\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-6869\"><p>C\u00f3, m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 s\u1ea3n ph\u1ea9m d\u00e0nh ri\u00eang cho ng\u01b0\u1eddi cao tu\u1ed5i. Tuy nhi\u00ean, gi\u00e1 b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cao h\u01a1n v\u00e0 c\u00f3 th\u1ec3 c\u00f3 c\u00e1c h\u1ea1n ch\u1ebf v\u1ec1 lo\u1ea1i c\u0103n b\u1ec7nh \u0111\u01b0\u1ee3c bao g\u1ed3m.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-68610\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-68610\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41T\u00f4i c\u00f3 c\u1ea7n th\u0103m kh\u00e1m s\u1ee9c kh\u1ecfe tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-68610\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-68610\"><p>Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n s\u1ebd c\u1ea7n tham gia cu\u1ed9c ki\u1ec3m tra s\u1ee9c kh\u1ecfe c\u01a1 b\u1ea3n tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m. K\u1ebft qu\u1ea3 ki\u1ec3m tra n\u00e0y s\u1ebd gi\u00fap c\u00f4ng ty b\u1ea3o hi\u1ec3m x\u00e1c \u0111\u1ecbnh gi\u00e1 b\u1ea3o hi\u1ec3m v\u00e0 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-68611\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-68611\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41T\u00f4i c\u00f3 th\u1ec3 thay \u0111\u1ed5i h\u1ee3p \u0111\u1ed3ng B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o sau khi mua kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-68611\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-68611\"><p>M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 t\u00ednh linh ho\u1ea1t v\u00e0 cho ph\u00e9p b\u1ea1n thay \u0111\u1ed5i m\u1ee9c b\u1ea3o hi\u1ec3m ho\u1eb7c \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m trong t\u01b0\u01a1ng lai. Tuy nhi\u00ean, vi\u1ec7c n\u00e0y c\u00f3 th\u1ec3 li\u00ean quan \u0111\u1ebfn m\u1ed9t s\u1ed1 th\u1ee7 t\u1ee5c v\u00e0 \u0111i\u1ec1u ki\u1ec7n.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-68612\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-68612\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41T\u00f4i c\u1ea7n ph\u1ea3i tr\u1ea3 ph\u00ed h\u00e0ng th\u00e1ng hay h\u00e0ng n\u0103m cho b\u1ea3o hi\u1ec3m n\u00e0y?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-68612\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-68612\"><p>B\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn tr\u1ea3 ph\u00ed h\u00e0ng th\u00e1ng ho\u1eb7c h\u00e0ng n\u0103m t\u00f9y theo s\u1ef1 tho\u1ea3i m\u00e1i c\u1ee7a b\u1ea1n. H\u00e3y xem x\u00e9t l\u1ef1a ch\u1ecdn n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-68613\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-68613\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41T\u00f4i c\u1ea7n ph\u1ea3i \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m khi t\u00f4i b\u1ecb m\u1eafc b\u1ec7nh kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-68613\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-68613\"><p>Kh\u00f4ng, b\u1ea1n kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m khi b\u1ea1n m\u1eafc ph\u1ea3i c\u0103n b\u1ec7nh \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. B\u1ea3o hi\u1ec3m B\u1ea3o hi\u1ec3m B\u1ec7nh hi\u1ec3m ngh\u00e8o s\u1ebd chi tr\u1ea3 kho\u1ea3n ti\u1ec1n b\u1ed3i th\u01b0\u1eddng \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ecfa thu\u1eadn trong h\u1ee3p \u0111\u1ed3ng khi b\u1ea1n m\u1eafc b\u1ec7nh.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5feedf1 elementor-widget elementor-widget-heading\" data-id=\"5feedf1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">N\u1ebfu v\u1eabn c\u00f2n nh\u1eefng th\u1eafc m\u1eafc kh\u00e1c, vui l\u00f2ng li\u00ean h\u1ec7 ch\u00fang t\u00f4i \u0111\u1ec3 c\u00f3 nh\u1eefng t\u01b0 v\u1ea5n c\u1ee5 th\u1ec3 h\u01a1n.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o M\u1ee5c l\u1ee5c B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o l\u00e0 g\u00ec? Ch\u00fang t\u00f4i tin r\u1eb1ng h\u1ea7u h\u1ebft ng\u01b0\u1eddi d\u00e2n Canada kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o \u0111\u01a1n gi\u1ea3n v\u00ec h\u1ecd kh\u00f4ng hi\u1ec3u c\u00e1ch s\u1ea3n ph\u1ea9m ho\u1ea1t \u0111\u1ed9ng v\u00e0 t\u1ea7m quan tr\u1ecdng c\u1ee7a n\u00f3. Khi xem x\u00e9t t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c nhau m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 mua \u1edf Canada (nh\u00e0, \u00f4 t\u00f4, \u0111i\u1ec7n tho\u1ea1i di \u0111\u1ed9ng, nh\u00e2n th\u1ecd, t\u00e0n t\u1eadt, v.v.), \u0111\u00e2y ch\u1eafc ch\u1eafn l\u00e0 m\u1ed9t trong nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m quan tr\u1ecdng nh\u1ea5t. T\u1ea1i sao? \u0110\u01a1n gi\u1ea3n b\u1edfi v\u00ec b\u1ea1n \u0111ang b\u1ea3o hi\u1ec3m cho s\u1ee9c kh\u1ecfe c\u1ee7a ch\u00ednh m\u00ecnh. C\u00f3 g\u00ec quan tr\u1ecdng h\u01a1n xe h\u01a1i v\u00e0 nh\u00e0 c\u1ee7a b\u1ea1n? S\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n l\u00e0 \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t b\u1ea1n \u0111ang c\u00f3. Nh\u01b0ng khi b\u1ea1n kh\u00f4ng c\u00f3 s\u1ee9c kh\u1ecfe, s\u1ef1 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh ch\u1eafc ch\u1eafn s\u1ebd gi\u00fap b\u1ea1n r\u1ea5t l\u1edbn trong qu\u00e1 tr\u00ecnh ph\u1ee5c h\u1ed3i. B\u1ea3o hi\u1ec3m hi\u1ec3m ngh\u00e8o cung c\u1ea5p m\u1ed9t kho\u1ea3n h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh tr\u1ea3 ngay m\u1ed9t l\u1ea7n trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n m\u1eafc m\u1ed9t trong c\u00e1c t\u00ecnh tr\u1ea1ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m tr\u00ean h\u1ee3p \u0111\u1ed3ng. M\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n th\u01b0\u1eddng cung c\u1ea5p b\u1ea3o hi\u1ec3m cho 25 t\u00ecnh tr\u1ea1ng b\u1ec7nh hi\u1ec3m ngh\u00e8o. Tuy nhi\u00ean, c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m kh\u00e1c nhau b\u1ea3o hi\u1ec3m cho c\u00e1c t\u00ecnh tr\u1ea1ng b\u1ec7nh kh\u00e1c nhau, c\u00f3 th\u1ec3 giao \u0111\u1ed9ng t\u1eeb 3 \u0111\u1ebfn 25 b\u1ec7nh. Ba ch\u1ee9ng b\u1ec7nh ph\u1ed5 bi\u1ebfn nh\u1ea5t th\u01b0\u1eddng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng l\u00e0 \u0111au tim, \u0111\u1ed9t qu\u1ef5 v\u00e0 ung th\u01b0. H\u1ea7u h\u1ebft c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1eddi gian ch\u1edd l\u00e0 30 ng\u00e0y. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 s\u1ed1 ti\u1ec1n \u0111\u1ec1n b\u00f9 c\u1ee7a h\u1ee3p \u0111\u1ed3ng (v\u00ed d\u1ee5: 100.000 \u0111\u00f4 la) \u0111\u01b0\u1ee3c thanh to\u00e1n sau 30 ng\u00e0y k\u1ec3 t\u1eeb khi \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n m\u1eafc m\u1ed9t t\u00ecnh tr\u1ea1ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. B\u1ea3o hi\u1ec3m n\u00e0y \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 cung c\u1ea5p h\u1ed7 tr\u1ee3 v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh cho b\u1ea1n khi b\u1ea1n c\u1ea7n n\u00f3 nh\u1ea5t. N\u1ebfu b\u1ea1n \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n ung th\u01b0 ng\u00e0y h\u00f4m nay v\u00e0 kh\u00f4ng th\u1ec3 l\u00e0m vi\u1ec7c do \u0111i\u1ec1u tr\u1ecb trong v\u00f2ng 12 th\u00e1ng t\u1edbi. Li\u1ec7u b\u1ea1n c\u00f3 m\u1ed9t kho\u1ea3n ti\u1ebft ki\u1ec7m \u0111\u1ee7 \u0111\u1ec3 b\u00f9 \u0111\u1eafp cho kho\u1ea3n thu nh\u1eadp m\u1ea5t \u0111i c\u0169ng nh\u01b0 ng\u00e2n s\u00e1ch chi tr\u1ea3 cho c\u00e1c chi ph\u00ed c\u0103n b\u1ea3n, c\u00e1c h\u00f3a \u0111\u01a1n trong 12 th\u00e1ng? H\u1ea7u h\u1ebft ng\u01b0\u1eddi d\u00e2n Canada kh\u00f4ng c\u00f3 \u0111\u1ee7 s\u1ed1 ti\u1ec1n n\u00e0y, \u0111\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao m\u1ecdi ng\u01b0\u1eddi n\u00ean c\u1ea7n c\u00f3 b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o. C\u00e1ch ho\u1ea1t \u0111\u1ed9ng c\u1ee7a B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o kh\u00f4ng qu\u00e1 kh\u00f3 hi\u1ec3u nh\u01b0 m\u1ecdi ng\u01b0\u1eddi th\u01b0\u1eddng ngh\u0129. \u0110\u01a1n gi\u1ea3n, b\u1ea1n mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 n\u1ebfu b\u1ea1n \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n m\u1eafc m\u1ed9t trong c\u00e1c t\u00ecnh tr\u1ea1ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd g\u1eedi cho b\u1ea1n m\u1ed9t t\u1edd s\u00e9c (mi\u1ec5n thu\u1ebf) m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng theo \u00fd mu\u1ed1n. Vi\u1ec7c b\u1ea1n s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n \u0111\u00f3 nh\u01b0 th\u1ebf n\u00e0o l\u00e0 do quy\u1ebft \u0111\u1ecbnh c\u1ee7a b\u1ea1n, kh\u00f4ng c\u00f3 r\u00e0ng bu\u1ed9c hay gi\u1edbi h\u1ea1n v\u1ec1 m\u1ee5c \u0111\u00edch s\u1ef1 d\u1ee5ng. L\u1ee3i \u00edch c\u1ee7a b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o \u0111ang ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn \u1edf Canada v\u00ec nh\u1eefng l\u00fd do sau: &#8211; B\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh: B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o cung c\u1ea5p s\u1ef1 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n m\u1eafc m\u1ed9t t\u00ecnh tr\u1ea1ng b\u1ec7nh \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. S\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c tr\u1ea3 t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c mi\u1ec5n thu\u1ebf v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 chi tr\u1ea3 c\u00e1c kho\u1ea3n chi ph\u00ed y t\u1ebf, thay th\u1ebf thu nh\u1eadp b\u1ecb m\u1ea5t trong qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb, ho\u1eb7c th\u1ef1c hi\u1ec7n c\u00e1c \u0111i\u1ec1u ch\u1ec9nh c\u1ea7n thi\u1ebft cho l\u1ed1i s\u1ed1ng m\u1edbi c\u1ee7a b\u1ea1n. &#8211; T\u00ednh linh ho\u1ea1t: S\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng theo \u00fd mu\u1ed1n c\u1ee7a b\u1ea1n. Vi\u1ec7c b\u1ea1n s\u1eed d\u1ee5ng s\u1ed1 ti\u1ec1n \u0111\u00f3 kh\u00f4ng b\u1ecb h\u1ea1n ch\u1ebf, mang \u0111\u1ebfn cho b\u1ea1n s\u1ef1 t\u1ef1 do gi\u1ea3i quy\u1ebft c\u00e1c nhu c\u1ea7u v\u00e0 \u01b0u ti\u00ean ri\u00eang c\u1ee7a m\u00ecnh. &#8211; S\u1ef1 y\u00ean t\u00e2m: S\u1edf h\u1eefu b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o mang l\u1ea1i cho b\u1ea1n s\u1ef1 y\u00ean t\u00e2m r\u1eb1ng b\u1ea1n \u0111ang an to\u00e0n trong tr\u01b0\u1eddng h\u1ee3p m\u1eafc ph\u1ea3i m\u1ed9t c\u0103n b\u1ec7nh nghi\u00eam tr\u1ecdng. N\u00f3 mang l\u1ea1i s\u1ef1 an t\u00e2m r\u1eb1ng b\u1ea1n c\u00f3 th\u1ec3 t\u1eadp trung v\u00e0o vi\u1ec7c ph\u1ee5c h\u1ed3i s\u1ee9c kh\u1ecfe m\u00e0 kh\u00f4ng ph\u1ea3i lo l\u1eafng v\u1ec1 nh\u1eefng h\u1ec7 l\u1ee5y t\u00e0i ch\u00ednh. &#8211; Kh\u1ea3 n\u0103ng t\u00f9y ch\u1ec9nh: H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ec3 \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u c\u1ee5 th\u1ec3 c\u1ee7a b\u1ea1n. B\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng ph\u00f9 h\u1ee3p v\u1edbi m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh v\u00e0 ho\u00e0n c\u1ea3nh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n. &#8211; B\u1ed5 sung cho B\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3: B\u1ea3o hi\u1ec3m b\u1ec7nh n\u1eb7ng c\u00f3 th\u1ec3 b\u1ed5 sung cho b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe hi\u1ec7n c\u00f3 ho\u1eb7c b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt. N\u00f3 mang \u0111\u1ebfn m\u1ed9t l\u1edbp b\u1ea3o v\u1ec7 b\u1ed5 sung th\u00eam cho c\u00e1c b\u1ec7nh hi\u1ec3m ngh\u00e8o, \u0111\u1ea3m b\u1ea3o b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n cho c\u00e1c t\u00ecnh hu\u1ed1ng y t\u1ebf kh\u00e1c nhau. &#8211; B\u1ea3o v\u1ec7 gia \u0111\u00ecnh: B\u1ea3o hi\u1ec3m b\u1ec7nh n\u1eb7ng kh\u00f4ng ch\u1ec9 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n m\u00e0 c\u00f2n b\u1ea3o v\u1ec7 th\u00e0nh vi\u00ean trong gia \u0111\u00ecnh. S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi th\u00e2n trong gia \u0111\u00ecnh trong th\u1eddi gian kh\u00f3 kh\u0103n, chi tr\u1ea3 c\u00e1c kho\u1ea3n chi ph\u00ed nh\u01b0 ti\u1ec1n vay th\u1ebf ch\u1ea5p, chi ph\u00ed gi\u00e1o d\u1ee5c ho\u1eb7c chi ph\u00ed sinh ho\u1ea1t h\u00e0ng ng\u00e0y. C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o \u1ede Canada, c\u00f3 c\u00e1c lo\u1ea1i s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o kh\u00e1c nhau. T\u01b0\u01a1ng t\u1ef1 nh\u01b0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, b\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1eddi h\u1ea1n v\u00e0 h\u1ee3p \u0111\u1ed3ng v\u0129nh vi\u1ec5n. H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o c\u00f3 gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng nh\u1ea5t l\u00e0 h\u1ee3p \u0111\u1ed3ng th\u1eddi h\u1ea1n 10 n\u0103m, cung c\u1ea5p m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ed5i trong 10 n\u0103m. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 mua c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2185,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_eb_attr":"","footnotes":""},"class_list":["post-2068","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages\/2068","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/comments?post=2068"}],"version-history":[{"count":3,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages\/2068\/revisions"}],"predecessor-version":[{"id":3541,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages\/2068\/revisions\/3541"}],"up":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages\/2185"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=2068"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}