{"id":2116,"date":"2023-07-27T15:03:09","date_gmt":"2023-07-27T10:03:09","guid":{"rendered":"https:\/\/101insurance.ca\/cau-hoi-thuong-gap\/"},"modified":"2023-09-15T19:59:26","modified_gmt":"2023-09-15T14:59:26","slug":"cau-hoi-thuong-gap","status":"publish","type":"page","link":"https:\/\/101insurance.ca\/vi\/cau-hoi-thuong-gap\/","title":{"rendered":"C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2116\" class=\"elementor elementor-2116 elementor-697\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-236e052 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"236e052\" 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-6ea9ac4 elementor-widget elementor-widget-image\" data-id=\"6ea9ac4\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"330\" src=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/09\/FAQ-scaled-e1694788326851-1024x423-1.jpg\" class=\"attachment-large size-large wp-image-2105\" alt=\"\" srcset=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/09\/FAQ-scaled-e1694788326851-1024x423-1.jpg 1024w, https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/09\/FAQ-scaled-e1694788326851-1024x423-1-300x124.jpg 300w, https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/09\/FAQ-scaled-e1694788326851-1024x423-1-768x317.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\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<div class=\"elementor-element elementor-element-57cc9771 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"57cc9771\" 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<div class=\"elementor-element elementor-element-187ba391 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"187ba391\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e46093c e-n-tabs-mobile elementor-widget elementor-widget-n-tabs\" data-id=\"e46093c\" data-element_type=\"widget\" data-settings=\"{&quot;horizontal_scroll&quot;:&quot;disable&quot;}\" data-widget_type=\"nested-tabs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-tabs\" data-widget-number=\"239470908\" aria-label=\"Tabs. Open items with Enter or Space, close with Escape and navigate using the Arrow keys.\">\n\t\t\t<div class=\"e-n-tabs-heading\" role=\"tablist\">\n\t\t\t\t\t<button id=\"e-n-tab-title-2394709081\" class=\"e-n-tab-title\" aria-selected=\"true\" data-tab-index=\"1\" role=\"tab\" tabindex=\"0\" aria-controls=\"e-n-tab-content-2394709081\" style=\"--n-tabs-title-order: 1;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tB\u1ea3o hi\u1ec3m du l\u1ecbch\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2394709082\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"2\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2394709082\" style=\"--n-tabs-title-order: 2;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tB\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2394709083\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"3\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2394709083\" style=\"--n-tabs-title-order: 3;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tB\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t<button id=\"e-n-tab-title-2394709084\" class=\"e-n-tab-title\" aria-selected=\"false\" data-tab-index=\"4\" role=\"tab\" tabindex=\"-1\" aria-controls=\"e-n-tab-content-2394709084\" style=\"--n-tabs-title-order: 4;\">\n\t\t\t\t\t\t<span class=\"e-n-tab-title-text\">\n\t\t\t\tB\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt\t\t\t<\/span>\n\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t<div class=\"e-n-tabs-content\">\n\t\t\t\t<div id=\"e-n-tab-content-2394709081\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2394709081\" data-tab-index=\"1\" style=\"--n-tabs-title-order: 1;\" class=\"e-active elementor-element elementor-element-7704ea1 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"7704ea1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fcfb2dc elementor-widget elementor-widget-accordion\" data-id=\"fcfb2dc\" 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-2651\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2651\" 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 n\u00ean mua b\u1ea3o hi\u1ec3m du l\u1ecbch t\u1ea1i Vi\u1ec7t Nam thay v\u00ec mua t\u1ea1i Canada hay kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2651\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2651\"><p>C\u00f3 kh\u00e1 nhi\u1ec1u ng\u01b0\u1eddi Vi\u1ec7t l\u1ef1a ch\u1ecdn mua b\u1ea3o hi\u1ec3m du l\u1ecbch t\u1ea1i Vi\u1ec7t Nam v\u00ec gi\u00e1 r\u1ebb. Tuy nhi\u00ean, \u0111\u00e2y l\u00e0 sai l\u1ea7m r\u1ea5t th\u01b0\u1eddng g\u1eb7p. Khi x\u00e9t v\u1ec1 \u0111\u1ecbnh ngh\u0129a \u201cgi\u00e1 r\u1ebb\u201d, nhi\u1ec1u ng\u01b0\u1eddi qu\u00ean so s\u00e1nh c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c nh\u01b0: s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m (coverage) l\u00e0 bao nhi\u00eau? Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o? Th\u1ee7 t\u1ee5c truy l\u1ea1i (claim) ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ee9c t\u1ea1p kh\u00f4ng? H\u1ec7 th\u1ed1ng h\u1ed7 tr\u1ee3 v\u00e0 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o?<\/p>\n<p>Khi mua b\u1ea3o hi\u1ec3m du l\u1ecbch t\u1ea1i Vi\u1ec7t Nam, nhi\u1ec1u ng\u01b0\u1eddi l\u1ea7m t\u01b0\u1edfng r\u1eb1ng gi\u00e1 r\u1ebb h\u01a1n, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m (coverage) trong c\u00e1c g\u00f3i mua \u1edf VN th\u01b0\u1eddng th\u1ea5p h\u01a1n \u0111\u1ec3 ph\u00ed b\u1ea3o hi\u1ec3m tr\u00f4ng \u201cc\u00f3 v\u1ebb r\u1ebb\u201d. Tuy nhi\u00ean m\u1ee9c coverage \u0111\u00f3 c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng \u0111\u1ee7 chi tr\u1ea3 cho t\u1ea5t c\u1ea3 c\u00e1c chi ph\u00ed trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 tai n\u1ea1n x\u1ea3y ra. Ngo\u00e0i ra, th\u00f4ng th\u01b0\u1eddng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u1edf VN s\u1ebd kh\u00f4ng thanh to\u00e1n tr\u1ef1c ti\u1ebfp c\u00e1c chi ph\u00ed cho c\u01a1 s\u1edf y t\u1ebf t\u1ea1i Canada, m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 tr\u01b0\u1edbc v\u00e0 truy h\u1ed3i (claim) l\u1ea1i sau. Nh\u01b0 v\u1eady s\u1ebd c\u00f3 r\u1ea5t nhi\u1ec1u r\u1ee7i ro trong qu\u00e1 tr\u00ecnh n\u00e0y. Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu mua b\u1ea3o hi\u1ec3m t\u1ea1i c\u00f4ng ty \u1edf Canada, khi x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p, b\u1ea1n ch\u1ec9 c\u1ea7n g\u1ecdi \u0111i\u1ec7n tho\u1ea1i l\u00ean hotline l\u00e0 s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn tr\u1ef1c ti\u1ebfp, v\u00e0 c\u00f4ng ty th\u01b0\u1eddng s\u1ebd thanh to\u00e1n tr\u1ef1c ti\u1ebfp cho ph\u00eda h\u1ec7 th\u1ed1ng y t\u1ebf, b\u1ec7nh vi\u1ec7n l\u1edbn t\u1ea1i Canada. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 ti\u1ec7n l\u1ee3i h\u01a1n v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh, m\u00e0 c\u00f2n gi\u00fap b\u1ea1n y\u00ean t\u00e2m h\u01a1n thay v\u00ec ph\u1ea3i h\u1ed3i h\u1ed9p lo l\u1eafng n\u1ebfu l\u00e0m th\u1ee7 t\u1ee5c claim l\u1ea1i sau.<\/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-2652\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2652\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41Deductible \u2013 ti\u1ec1n kh\u1ea5u tr\u1eeb l\u00e0 g\u00ec?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2652\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2652\"><p>\u0110\u00e2y l\u00e0 ph\u1ea7n ti\u1ec1n m\u00e0 b\u1ea1n ph\u1ea3i t\u1ef1 b\u1ecf ti\u1ec1n t\u00fai tr\u01b0\u1edbc khi b\u1ea3o hi\u1ec3m chi tr\u1ea3. V\u00ed d\u1ee5, n\u1ebfu h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n c\u00f3 deductible l\u00e0 $500, chi ph\u00ed b\u1ea1n n\u1eb1m vi\u1ec7n l\u00e0 $3,000, th\u00ec b\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 $500 tr\u01b0\u1edbc, c\u00f2n c\u00f4ng ty BH s\u1ebd tr\u1ea3 $2,500 c\u00f2n l\u1ea1i. Do v\u1eady, deductible c\u00e0ng cao th\u00ec g\u00f3i BH s\u1ebd c\u00e0ng r\u1ebb. V\u1eady n\u00ean n\u1ebfu b\u1ea1n c\u00f3 so s\u00e1nh gi\u00e1 BH gi\u1eefa c\u00e1c c\u00f4ng ty th\u00ec n\u00ean so s\u00e1nh \u1edf c\u00f9ng m\u1ee9c deductible ngang nhau.<\/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-2653\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2653\" 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\u00e1c b\u1ec7nh \u0111\u00e3 c\u00f3 t\u1eeb tr\u01b0\u1edbc c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2653\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2653\"><ul>\n<li>T\u1eeb 0-59 tu\u1ed5i, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u1ea7n \u0111i\u1ec1n b\u1ea3ng c\u00e2u h\u1ecfi s\u1ee9c kh\u1ecfe, \u0111\u1ed3ng th\u1eddi s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1ec7nh n\u1ebfu s\u1ee9c kh\u1ecfe \u1ed5n \u0111\u1ecbnh trong v\u00f2ng 90 ng\u00e0y tr\u01b0\u1edbc ng\u00e0y h\u1ee3p \u0111\u1ed3ng c\u00f3 hi\u1ec7u l\u1ef1c.<\/li>\n<li>T\u1eeb 60-79 tu\u1ed5i c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00e1c b\u1ec7nh \u0111\u00e3 c\u00f3 t\u1eeb tr\u01b0\u1edbc nh\u01b0 b\u1ec7nh tim (heart condition), \u0111\u1ed9t qu\u1ef5 (stroke or mini-stroke), ho\u1eb7c b\u1ea5t c\u1ee9 b\u1ec7nh n\u00e0o c\u00f3 s\u1eb5n m\u00e0 kh\u00f4ng \u1ed5n \u0111\u1ecbnh trong v\u00f2ng 180 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y h\u1ee3p \u0111\u1ed3ng c\u00f3 hi\u1ec7u l\u1ef1c, kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111i\u1ec1n b\u1ea3ng c\u00e2u h\u1ecfi s\u1ee9c kh\u1ecfe. N\u1ebfu kh\u00f4ng c\u1ea7n b\u1ea3o hi\u1ec3m cho c\u00e1c t\u00ecnh tr\u1ea1ng tim v\u00e0 \u0111\u1ed9t qu\u1ef5 v\u00e0 c\u00e1c t\u00ecnh tr\u1ea1ng hi\u1ec7n t\u1ea1i \u0111\u00e3 \u1ed5n \u0111\u1ecbnh trong v\u00f2ng 180 ng\u00e0y tr\u01b0\u1edbc ng\u00e0y hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng, b\u1ea3o hi\u1ec3m cho nh\u1eefng t\u00ecnh tr\u1ea1ng ti\u1ec1n s\u1eed \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c cung c\u1ea5p m\u00e0 kh\u00f4ng c\u1ea7n \u0111i\u1ec1n b\u1ea3ng c\u00e2u h\u1ecfi s\u1ee9c kh\u1ecfe.<\/li>\n<li>T\u1eeb 80-89 tu\u1ed5i, c\u00e1c b\u1ec7nh c\u00f3 s\u1eb5n s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m tr\u1eeb khi kh\u00e1ch h\u00e0ng \u0111i\u1ec1n b\u1ea3ng c\u00e2u h\u1ecfi s\u1ee9c kh\u1ecfe, , \u0111\u01b0\u1ee3c c\u00f4ng ty ch\u1ea5p nh\u1eadn v\u00e0 tr\u1ea3 th\u00eam ph\u00ed y\u00eau c\u1ea7u (n\u1ebfu c\u00f3)<\/li>\n<\/ul><\/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-2654\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2654\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41\u0110i\u1ec1u ki\u1ec7n \u1ed5n \u0111\u1ecbnh cho c\u00e1c b\u1ec7nh c\u00f3 t\u1eeb tr\u01b0\u1edbc l\u00e0 g\u00ec?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2654\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2654\"><ul>\n<li>Kh\u00f4ng c\u00f3 \u0111i\u1ec1u tr\u1ecb m\u1edbi<\/li>\n<li>Kh\u00f4ng c\u00f3 thay \u0111\u1ed5i trong \u0111i\u1ec1u tr\u1ecb, t\u1ea7n s\u1ed1 v\u00e0 lo\u1ea1i \u0111i\u1ec1u tr\u1ecb<\/li>\n<li>Kh\u00f4ng c\u00f3 d\u1ea5u hi\u1ec7u ho\u1eb7c tri\u1ec7u ch\u1ee9ng ho\u1eb7c ch\u1ea9n \u0111o\u00e1n m\u1edbi<\/li>\n<li>Kh\u00f4ng c\u00f3 k\u1ebft qu\u1ea3 ki\u1ec3m tra xu\u1ea5t hi\u1ec7n s\u1ef1 sa s\u00fat v\u1ec1 b\u1ec7nh<\/li>\n<li>Kh\u00f4ng nh\u1eadp vi\u1ec7n<\/li>\n<li>Kh\u00f4ng b\u1ecb y\u00eau c\u1ea7u g\u1eb7p b\u00e1c s\u1ef9 chuy\u00ean khoa ho\u1eb7c \u0111\u1ee3i ph\u1eabu thu\u1eadt ho\u1eb7c \u0111\u1ee3i k\u1ebft qu\u1ea3 kh\u00e1m c\u1ee7a c\u00e1c chuy\u00ean gia y t\u1ebf kh\u00e1c.<\/li>\n<\/ul><\/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-2655\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2655\" 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 du l\u1ecbch Canada c\u00f3 hi\u1ec7u l\u1ef1c khi b\u1ea1n du l\u1ecbch \u0111\u1ebfn qu\u1ed1c gia kh\u00e1c kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2655\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2655\"><p>C\u00f3. V\u1edbi \u0111i\u1ec1u ki\u1ec7n du kh\u00e1ch ph\u1ea3i \u1edf Canada \u00edt nh\u1ea5t 51% th\u1eddi gian chuy\u1ebfn \u0111i. Tuy nhi\u00ean, b\u1ea3o hi\u1ec3m s\u1ebd m\u1ea5t hi\u1ec7u l\u1ef1c n\u1ebfu kh\u00e1ch h\u00e0ng \u1edf b\u1ea3n qu\u1ed1c (home country) ho\u1eb7c \u0111i du l\u1ecbch ngo\u00e0i Canada trong tr\u01b0\u1eddng h\u1ee3p ch\u00ednh ph\u1ee7 Canada \u0111\u00e3 \u0111\u01b0a ra th\u00f4ng b\u00e1o \u201ctr\u00e1nh \u0111i du l\u1ecbch c\u00e1c n\u01b0\u1edbc\u201d.<\/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-2656\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2656\" 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 du l\u1ecbch tr\u1ea3 l\u1ea1i ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2656\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2656\"><p>M\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p b\u1ea1n c\u00f3 th\u1ec3 l\u1ea5y l\u1ea1i ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn l\u00e0:<\/p>\n<ul>\n<li>10 ng\u00e0y \u0111\u1ea7u sau khi mua b\u1ea3o hi\u1ec3m (do b\u1ea1n \u0111\u1ed5i \u00fd, \u0111\u1ed5i k\u1ebf ho\u1ea1ch, hay b\u1ea5t k\u1ef3 l\u00ed do n\u00e0o)<\/li>\n<li>Khi b\u1ea1n \u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ec9nh bang cover. B\u1ea1n c\u00f3 th\u1ec3 \u0111i\u1ec1n \u0111\u01a1n \u0111\u1ec3 l\u1ea5y l\u1ea1i ph\u1ea7n ti\u1ec1n cho qu\u00e3ng th\u1eddi gian t\u01b0\u01a1ng lai m\u00e0 b\u1ea1n \u0111\u00e3 tr\u1ea3, n\u1ebfu b\u1ea1n ch\u01b0a t\u1eebng claim b\u1ea3o hi\u1ec3m l\u1ea7n n\u00e0o. V\u00ed d\u1ee5, b\u1ea1n mua BH 1 n\u0103m, sau khi b\u1ea1n \u1edf Canada 6 th\u00e1ng th\u00ec xin \u0111\u01b0\u1ee3c BH t\u1ec9nh Ontario OHIP, b\u1ea1n c\u00f3 th\u1ec3 xin l\u1ea1i kho\u1ea3ng 50% ph\u1ea7n ti\u1ec1n m\u00e0 b\u1ea1n \u0111\u00e3 \u0111\u00f3ng.<\/li>\n<li>Khi b\u1ea1n v\u1ec1 n\u01b0\u1edbc s\u1edbm. V\u00ed d\u1ee5 b\u1ea1n mua BH cho super visa, do y\u00eau c\u1ea7u c\u1ee7a ch\u00ednh ph\u1ee7 l\u00e0 b\u1ea1n b\u1eaft bu\u1ed9c ph\u1ea3i mua BH cover 1 n\u0103m, nh\u01b0ng b\u1ea1n ch\u1ec9 \u1edf 6 th\u00e1ng r\u1ed3i v\u1ec1, th\u00ec b\u1ea1n s\u1ebd xin l\u1ea1i 50% ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng.<\/li>\n<\/ul><\/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-2657\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2657\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41N\u00ean mua b\u1ea3o hi\u1ec3m bao l\u00e2u? Mua ng\u1eafn ng\u00e0y v\u00e0 d\u00e0i ng\u00e0y c\u00f3 kh\u00e1c nhau v\u1ec1 gi\u00e1 hay kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2657\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2657\"><p>C\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p b\u1ea1n kh\u00f4ng ch\u1eafc ch\u1eafn m\u00ecnh c\u1ea7n mua b\u1ea3o hi\u1ec3m trong bao l\u00e2u. V\u00ed d\u1ee5 m\u1ed9t tr\u01b0\u1eddng h\u1ee3p th\u01b0\u1eddng hay g\u1eb7p l\u00e0 du h\u1ecdc sinh sau khi t\u1ed1t nghi\u1ec7p v\u1eabn ch\u01b0a c\u00f3 vi\u1ec7c l\u00e0m n\u00ean ch\u01b0a c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ec9nh bang, h\u1ecd s\u1ebd kh\u00f4ng ch\u1eafc m\u00ecnh n\u00ean mua bao l\u00e2u. V\u1eady th\u00ec mua 1 n\u0103m hay mua 6 th\u00e1ng gi\u00e1 c\u00f3 kh\u00e1c nhau kh\u00f4ng?<\/p>\n<p>Th\u1ef1c t\u1ebf, vi\u1ec7c mua ng\u1eafn hay d\u00e0i ng\u00e0y kh\u00f4ng kh\u00e1c nhau v\u1ec1 gi\u00e1. V\u00ec ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o \u0111\u1ed9 tu\u1ed5i, n\u00ean ph\u00ed n\u00e0y s\u1ebd t\u00ednh theo t\u1ef7 l\u1ec7 ng\u00e0y nh\u00e2n l\u00ean th\u00f4i. Do v\u1eady, n\u1ebfu b\u1ea1n kh\u00f4ng ch\u1eafc ch\u1eafn v\u1ec1 vi\u1ec7c m\u00ecnh c\u1ea7n b\u1ea3o hi\u1ec3m trong bao l\u00e2u. B\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn 2 ph\u01b0\u01a1ng \u00e1n sau:<\/p>\n<ol>\n<li>Mua b\u1ea3o hi\u1ec3m ng\u1eafn h\u01a1n th\u1eddi gian m\u00e0 b\u1ea1n d\u1ef1 ki\u1ebfn. \u0110\u1ebfn khi g\u1ea7n h\u1ebft th\u1eddi gian b\u1ea3o hi\u1ec3m, b\u1ea1n c\u00f3 th\u1ec3 mua th\u00eam. Qu\u00e1 tr\u00ecnh mua b\u1ea3o hi\u1ec3m du l\u1ecbch r\u1ea5t nhanh ch\u00f3ng. Ch\u1ec9 c\u1ea7n v\u00e0i ph\u00fat li\u00ean h\u1ec7 v\u1edbi nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n l\u00e0 b\u1ea1n c\u00f3 ngay m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m sau khi thanh to\u00e1n. Tuy nhi\u00ean, b\u1ea5t l\u1ee3i c\u1ee7a l\u1ef1a ch\u1ecdn n\u00e0y l\u00e0 sau m\u1ed9t th\u1eddi gian, b\u1ea1n c\u00f3 th\u1ec3 qu\u00ean m\u1ea5t l\u00e0 b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh \u0111\u00e3 h\u1ebft h\u1ea1n.<\/li>\n<li>Mua b\u1ea3o hi\u1ec3m b\u1eb1ng ho\u1eb7c d\u00e0i h\u01a1n th\u1eddi gian d\u1ef1 ki\u1ebfn. M\u1eb7c d\u00f9 tr\u01b0\u1eddng h\u1ee3p n\u00e0y nghe c\u00f3 v\u1ebb b\u1ea5t h\u1ee3p l\u00fd. Nh\u01b0ng b\u1ea1n n\u00ean bi\u1ebft h\u1ea7u h\u1ebft t\u1ea5t c\u1ea3 nh\u1eefng c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1ea1i Canada \u0111\u1ec1u c\u00f3 \u0111i\u1ec1u kho\u1ea3n tr\u1ea3 l\u1ea1i ph\u1ea7n ph\u00ed ch\u01b0a s\u1eed d\u1ee5ng khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ec9nh bang (n\u1ebfu ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ch\u01b0a t\u1eebng claim b\u1ea3o hi\u1ec3m). M\u1eb7c d\u00f9 vi\u1ec7c n\u00e0y s\u1ebd h\u01a1i m\u1ea5t th\u1eddi gian \u0111\u1ec3 b\u1ea1n \u0111i\u1ec1n \u0111\u01a1n xin tr\u1ea3 l\u1ea1i (refund) ph\u1ea7n ti\u1ec1n ph\u00ed ch\u01b0a s\u1eed d\u1ee5ng, nh\u01b0ng \u0111i\u1ec1u n\u00e0y s\u1ebd gi\u00fap b\u1ea1n tr\u00e1nh \u0111\u01b0\u1ee3c r\u1ee7i ro qu\u00ean m\u1ea5t ng\u00e0y h\u1ebft h\u1ea1n c\u1ee7a b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p 1.<\/li>\n<\/ol><\/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>\n\t\t<div id=\"e-n-tab-content-2394709082\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2394709082\" data-tab-index=\"2\" style=\"--n-tabs-title-order: 2;\" class=\" elementor-element elementor-element-d5c7aa8 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"d5c7aa8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0e8ce1 elementor-widget elementor-widget-accordion\" data-id=\"c0e8ce1\" 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-2021\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2021\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41Lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi t\u00f4i: b\u1ea3o hi\u1ec3m c\u00f3 k\u1ef3 h\u1ea1n hay b\u1ea3o hi\u1ec3m v\u0129nh vi\u1ec5n?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2021\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2021\"><p>S\u1ef1 l\u1ef1a ch\u1ecdn gi\u1eefa b\u1ea3o hi\u1ec3m c\u00f3 k\u1ef3 h\u1ea1n hay b\u1ea3o hi\u1ec3m v\u0129nh vi\u1ec5n ph\u1ee5 thu\u1ed9c v\u00e0o nhu c\u1ea7u v\u00e0 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n ( \u0111\u00f4i khi c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tr\u1ecdn \u0111\u1eddi) c\u00f3 th\u1eddi h\u1ea1n tr\u1ecdn \u0111\u1eddi v\u00e0 tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng khi b\u1ea1n qua \u0111\u1eddi. Trong khi \u0111\u00f3, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ef3 h\u1ea1n (c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1ea1m th\u1eddi) ch\u1ec9 c\u00f3 th\u1eddi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh v\u00e0 th\u01b0\u1eddng \u0111\u01b0\u1ee3c mua \u0111\u1ec3 b\u1ea3o v\u1ec7 trong giai \u0111o\u1ea1n c\u1ee5 th\u1ec3 nh\u01b0 tr\u1ea3 n\u1ee3, chi tr\u1ea3 h\u1ecdc ph\u00ed, hay giai \u0111o\u1ea1n nu\u00f4i con nh\u1ecf.<\/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-2022\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2022\" 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 x\u00e1c \u0111\u1ecbnh s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1ed1i \u01b0u?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2022\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2022\"><p>X\u00e1c \u0111\u1ecbnh s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1ed1i \u01b0u ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 chi ph\u00ed s\u1ed1ng h\u00e0ng ng\u00e0y, tr\u1ea3 n\u1ee3, h\u1ecdc ph\u00ed, l\u1ee3i nhu\u1eadn \u0111\u1ea7u t\u01b0 v\u00e0 c\u00e1c nhu c\u1ea7u t\u00e0i ch\u00ednh kh\u00e1c c\u1ee7a gia \u0111\u00ecnh b\u1ea1n. B\u1ea1n c\u00f3 th\u1ec3 t\u01b0 v\u1ea5n v\u1edbi chuy\u00ean gia b\u1ea3o hi\u1ec3m \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ee9c b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p d\u1ef1a tr\u00ean t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh hi\u1ec7n t\u1ea1i v\u00e0 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a gia \u0111\u00ecnh.<\/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-2023\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2023\" 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 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m trong t\u01b0\u01a1ng lai kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2023\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2023\"><p>Th\u01b0\u1eddng th\u00ec b\u1ea1n c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m trong t\u01b0\u01a1ng lai \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi thay \u0111\u1ed5i v\u1ec1 t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh v\u00e0 nhu c\u1ea7u c\u1ee7a b\u1ea1n. Tuy nhi\u00ean, vi\u1ec7c thay \u0111\u1ed5i s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3 t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m, v\u00ec v\u1eady h\u00e3y th\u1ea3o lu\u1eadn v\u00e0 th\u1ecfa thu\u1eadn v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n v\u1ec1 kh\u1ea3 n\u0103ng \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c b\u1ea3o hi\u1ec3m trong t\u01b0\u01a1ng lai.<\/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-2024\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2024\" 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 tr\u1ea3 bao nhi\u00eau ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2024\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2024\"><p>S\u1ed1 ti\u1ec1n ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 tu\u1ed5i c\u1ee7a b\u1ea1n, gi\u1edbi t\u00ednh, t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe, m\u1ee9c \u0111\u1ed9 r\u1ee7i ro, m\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m v\u00e0 lo\u1ea1i ch\u00ednh s\u00e1ch m\u00e0 b\u1ea1n ch\u1ecdn. C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0a ra b\u1ea3ng ph\u00ed c\u1ee5 th\u1ec3 d\u1ef1a tr\u00ean nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0y \u0111\u1ec3 b\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn k\u1ebf ho\u1ea1ch ph\u00f9 h\u1ee3p v\u1edbi ng\u00e2n s\u00e1ch v\u00e0 nhu c\u1ea7u t\u00e0i ch\u00ednh 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-2025\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2025\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">\ud83c\udf41\u0110i\u1ec1u g\u00ec x\u1ea3y ra n\u1ebfu t\u00f4i kh\u00f4ng tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2025\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2025\"><ul><li>Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m s\u1ebd b\u1ecb h\u1ee7y: N\u1ebfu b\u1ea1n kh\u00f4ng tr\u1ea3 ph\u00ed \u0111\u00fang h\u1ea1n, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n h\u1ee7y ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n s\u1ebd m\u1ea5t to\u00e0n b\u1ed9 quy\u1ec1n l\u1ee3i v\u00e0 b\u1ea3o v\u1ec7 t\u1eeb ch\u00ednh s\u00e1ch.<\/li><li>M\u1ea5t b\u1ea3o hi\u1ec3m v\u00e0 ti\u1ec1n \u0111\u00e3 tr\u1ea3: N\u1ebfu b\u1ea1n kh\u00f4ng tr\u1ea3 ph\u00ed \u0111\u00fang h\u1ea1n v\u00e0 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m b\u1ecb h\u1ee7y, b\u1ea1n s\u1ebd m\u1ea5t b\u1ea3o hi\u1ec3m v\u00e0 to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00e3 tr\u1ea3 tr\u01b0\u1edbc \u0111\u00f3. C\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m ho\u00e0n tr\u1ea3 ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e3 tr\u1ea3.<\/li><li>M\u1ea5t quy\u1ec1n l\u1ee3i v\u00e0 b\u1ea3o v\u1ec7: Khi ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m b\u1ecb h\u1ee7y do kh\u00f4ng tr\u1ea3 ph\u00ed \u0111\u00fang h\u1ea1n, b\u1ea1n s\u1ebd kh\u00f4ng c\u00f2n \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i v\u00e0 b\u1ea3o v\u1ec7 t\u1eeb ch\u00ednh s\u00e1ch \u0111\u00f3. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 g\u00e2y ra r\u1ee7i ro t\u00e0i ch\u00ednh v\u00e0 b\u1ea3o hi\u1ec3m cho b\u1ea1n v\u00e0 gia \u0111\u00ecnh.<\/li><\/ul><\/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-2026\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2026\" 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 r\u00fat ti\u1ec1n t\u1eeb ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tr\u01b0\u1edbc khi qua \u0111\u1eddi kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2026\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2026\"><p>\u0110a s\u1ed1 c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd kh\u00f4ng cho ph\u00e9p r\u00fat ti\u1ec1n tr\u01b0\u1edbc khi b\u1ea1n qua \u0111\u1eddi. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 ch\u00ednh s\u00e1ch c\u00f3 th\u1ec3 c\u00f3 t\u00ednh linh ho\u1ea1t cho ph\u00e9p r\u00fat ti\u1ec1n ho\u1eb7c vay tr\u01b0\u1edbc m\u1ed9t ph\u1ea7n gi\u00e1 tr\u1ecb ch\u00ednh s\u00e1ch. Tuy nhi\u00ean, vi\u1ec7c r\u00fat ti\u1ec1n ho\u1eb7c vay tr\u01b0\u1edbc c\u00f3 th\u1ec3 l\u00e0m gi\u1ea3m gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m v\u00e0 c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3. H\u00e3y th\u1ea3o lu\u1eadn v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n \u0111\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin chi ti\u1ebft.<\/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-2027\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2027\" 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 chuy\u1ec3n \u0111\u1ed5i ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd sang c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c \u0111\u01b0\u1ee3c kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2027\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2027\"><p>\u0110a s\u1ed1 c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho ph\u00e9p b\u1ea1n chuy\u1ec3n \u0111\u1ed5i sang ch\u00ednh s\u00e1ch kh\u00e1c trong c\u00f9ng c\u00f4ng ty b\u1ea3o hi\u1ec3m. Qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i c\u00f3 th\u1ec3 c\u00f3 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3 v\u00e0 ph\u1ee5 thu\u1ed9c v\u00e0o ch\u00ednh s\u00e1ch hi\u1ec7n t\u1ea1i c\u1ee7a b\u1ea1n. N\u1ebfu b\u1ea1n mu\u1ed1n chuy\u1ec3n \u0111\u1ed5i ch\u00ednh s\u00e1ch sang c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c, h\u00e3y th\u1ea3o lu\u1eadn v\u1edbi chuy\u00ean gia b\u1ea3o hi\u1ec3m \u0111\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin v\u00e0 quy tr\u00ecnh c\u1ee5 th\u1ec3.<\/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-2028\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2028\" 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 th\u00eam ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0o ch\u00ednh s\u00e1ch c\u1ee7a t\u00f4i kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2028\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2028\"><p>\u0110a s\u1ed1 c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho ph\u00e9p b\u1ea1n th\u00eam ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0o ch\u00ednh s\u00e1ch c\u1ee7a b\u1ea1n, v\u00ed d\u1ee5 nh\u01b0 con c\u00e1i, v\u1ee3\/ch\u1ed3ng, ho\u1eb7c ng\u01b0\u1eddi th\u00e2n y\u00eau kh\u00e1c. Qu\u00e1 tr\u00ecnh th\u00eam ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 y\u00eau c\u1ea7u th\u00f4ng tin v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3 v\u00e0 c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n. H\u00e3y li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 bi\u1ebft th\u00eam chi ti\u1ebft v\u1ec1 quy tr\u00ecnh v\u00e0 y\u00eau c\u1ea7u \u0111\u1ec3 th\u00eam ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0o ch\u00ednh s\u00e1ch 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-2029\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2029\" 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 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd d\u00f9 \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 v\u1ec1 s\u1ee9c kh\u1ecfe kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2029\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2029\"><p>C\u00f3, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd d\u00f9 c\u00f3 m\u1ed9t s\u1ed1 v\u1ea5n \u0111\u1ec1 v\u1ec1 s\u1ee9c kh\u1ecfe. Tuy nhi\u00ean, vi\u1ec7c c\u00f3 v\u1ea5n \u0111\u1ec1 v\u1ec1 s\u1ee9c kh\u1ecfe c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m v\u00e0 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n. C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ti\u1ebfn h\u00e0nh ki\u1ec3m tra y t\u1ebf v\u00e0 \u0111\u00e1nh gi\u00e1 r\u1ee7i ro \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh m\u1ee9c ph\u00ed v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3 cho ch\u00ednh s\u00e1ch c\u1ee7a b\u1ea1n. H\u00e3y th\u1ea3o lu\u1eadn v\u1edbi chuy\u00ean gia b\u1ea3o hi\u1ec3m \u0111\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin chi ti\u1ebft v\u00e0 t\u00ecm hi\u1ec3u c\u00e1c t\u00f9y ch\u1ecdn ph\u00f9 h\u1ee3p cho t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe 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-20210\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-20210\" 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 h\u1ee7y ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20210\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-20210\"><p>C\u00f3, b\u1ea1n c\u00f3 th\u1ec3 h\u1ee7y ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tuy nhi\u00ean, h\u1ee7y ch\u00ednh s\u00e1ch c\u00f3 th\u1ec3 c\u00f3 h\u1eadu qu\u1ea3 t\u00e0i ch\u00ednh. N\u1ebfu b\u1ea1n quy\u1ebft \u0111\u1ecbnh h\u1ee7y ch\u00ednh s\u00e1ch, b\u1ea1n c\u00f3 th\u1ec3 kh\u00f4ng nh\u1eadn l\u1ea1i to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n b\u1ea1n \u0111\u00e3 tr\u1ea3 v\u00e0 m\u1ea5t m\u1ed9t s\u1ed1 l\u1ee3i \u00edch c\u1ee7a ch\u00ednh s\u00e1ch. Qu\u00e1 tr\u00ecnh h\u1ee7y ch\u00ednh s\u00e1ch v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee5 th\u1ec3 ph\u1ee5 thu\u1ed9c v\u00e0o c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 lo\u1ea1i ch\u00ednh s\u00e1ch c\u1ee7a b\u1ea1n. H\u00e3y li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n \u0111\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin chi ti\u1ebft v\u1ec1 quy tr\u00ecnh v\u00e0 h\u1eadu qu\u1ea3 c\u1ee7a vi\u1ec7c h\u1ee7y ch\u00ednh s\u00e1ch.<\/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-20211\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-20211\" 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 nh\u00e2n th\u1ecd c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20211\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-20211\"><p>\u0110\u00fang, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t ph\u1ea7n quan tr\u1ecdng c\u1ee7a k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n c\u1ee7a b\u1ea1n. N\u00f3 cung c\u1ea5p s\u1ef1 b\u1ea3o \u0111\u1ea3m t\u00e0i ch\u00ednh cho gia \u0111\u00ecnh v\u00e0 ng\u01b0\u1eddi th\u00e2n y\u00eau c\u1ee7a b\u1ea1n khi b\u1ea1n kh\u00f4ng c\u00f2n c\u00f3 th\u1ec3 ch\u0103m s\u00f3c v\u00e0 h\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh cho h\u1ecd n\u1eefa. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u0169ng c\u00f3 th\u1ec3 k\u1ebft h\u1ee3p v\u1edbi c\u00e1c gi\u1ea3i ph\u00e1p \u0111\u1ea7u t\u01b0 v\u00e0 ti\u1ebft ki\u1ec7m \u0111\u1ec3 t\u1ea1o ra m\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n cho t\u01b0\u01a1ng lai. H\u00e3y t\u01b0 v\u1ea5n v\u1edbi chuy\u00ean gia t\u00e0i ch\u00ednh ho\u1eb7c chuy\u00ean gia b\u1ea3o hi\u1ec3m \u0111\u1ec3 bi\u1ebft th\u00eam chi ti\u1ebft v\u00e0 x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh ph\u00f9 h\u1ee3p v\u1edbi m\u00ecnh.<\/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-20212\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-20212\" 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 nh\u00e2n th\u1ecd c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u01b0 m\u1ed9t c\u00e1ch \u0111\u1ec3 t\u00edch l\u0169y ti\u1ec1n ti\u1ebft ki\u1ec7m kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20212\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-20212\"><p>C\u00f3, m\u1ed9t s\u1ed1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 t\u00ednh n\u0103ng ti\u1ebft ki\u1ec7m ti\u1ec1n m\u1eb7t v\u00e0 t\u00edch l\u0169y gi\u00e1 tr\u1ecb s\u1ebd t\u0103ng theo th\u1eddi gian. Nh\u1eefng kho\u1ea3n ti\u1ec1n n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng nh\u01b0 m\u1ed9t ngu\u1ed3n ti\u1ebft ki\u1ec7m trong t\u01b0\u01a1ng lai ho\u1eb7c \u0111\u1ec3 vay tr\u01b0\u1edbc. Tuy nhi\u00ean, vi\u1ec7c s\u1eed d\u1ee5ng gi\u00e1 tr\u1ecb t\u00edch l\u0169y trong ch\u00ednh s\u00e1ch nh\u01b0 m\u1ed9t ngu\u1ed3n ti\u1ec1n ti\u1ebft ki\u1ec7m c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ee9c b\u1ea3o hi\u1ec3m v\u00e0 l\u1ee3i \u00edch kh\u00e1c c\u1ee7a ch\u00ednh s\u00e1ch. H\u00e3y th\u1ea3o lu\u1eadn v\u1edbi chuy\u00ean gia b\u1ea3o hi\u1ec3m \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 t\u00ednh n\u0103ng ti\u1ebft ki\u1ec7m v\u00e0 t\u00f9y ch\u1ecdn s\u1eed d\u1ee5ng gi\u00e1 tr\u1ecb t\u00edch l\u0169y trong ch\u00ednh s\u00e1ch 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-20213\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-20213\" 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 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho con c\u00e1i kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20213\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-20213\"><p>C\u00f3, b\u1ea1n c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho con c\u00e1i c\u1ee7a m\u00ecnh. Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho con c\u00e1i cung c\u1ea5p m\u1ed9t kho\u1ea3n ti\u1ec1n b\u1ed3i th\u01b0\u1eddng khi con c\u00e1i b\u1ea1n qua \u0111\u1eddi, gi\u00fap \u0111\u1ea3m b\u1ea3o r\u1eb1ng b\u1ea1n c\u00f3 t\u00e0i ch\u00ednh \u0111\u1ec3 chi tr\u1ea3 c\u00e1c chi ph\u00ed tang gia, h\u1ed7 tr\u1ee3 h\u1ecdc ph\u00ed v\u00e0 duy tr\u00ec m\u1ed9t m\u1ee9c s\u1ed1ng \u1ed5n \u0111\u1ecbnh cho gia \u0111\u00ecnh. Ngo\u00e0i ra, b\u1ea3o hi\u1ec3m cho con c\u00e1i c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ed1t n\u1ebfu b\u1ea1n c\u00f3 mong mu\u1ed1n h\u1ed7 tr\u1ee3 con m\u00ecnh m\u1ed9t ph\u1ea7n gi\u00e1 tr\u1ecb t\u00e0i s\u1ea3n \u0111\u1ec3 l\u1ea1i cho \u0111\u1eddi ch\u00e1u.<\/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-20214\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-20214\" 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 \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee7a ch\u00ednh s\u00e1ch sau khi \u0111\u00e3 mua kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20214\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-20214\"><p>\u0110i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee7a ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u01b0\u1eddng kh\u00f4ng thay \u0111\u1ed5i sau khi b\u1ea1n \u0111\u00e3 mua. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c t\u00f9y ch\u1ecdn n\u00e2ng cao ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh ch\u00ednh s\u00e1ch d\u1ef1a tr\u00ean nhu c\u1ea7u c\u1ee7a b\u1ea1n. H\u00e3y th\u1ea3o lu\u1eadn v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin v\u1ec1 kh\u1ea3 n\u0103ng \u0111i\u1ec1u ch\u1ec9nh \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee7a ch\u00ednh s\u00e1ch 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-20215\" class=\"elementor-tab-title\" data-tab=\"15\" role=\"button\" aria-controls=\"elementor-tab-content-20215\" 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 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd trong th\u1eddi gian n\u00e0o?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20215\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"15\" role=\"region\" aria-labelledby=\"elementor-tab-title-20215\"><p>Quy\u1ebft \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ecnh hu\u1ed1ng v\u00e0 m\u1ee5c ti\u00eau t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n. Tuy nhi\u00ean, vi\u1ec7c mua ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd s\u1edbm s\u1ebd mang l\u1ea1i l\u1ee3i \u00edch h\u01a1n. Gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m th\u01b0\u1eddng t\u0103ng theo tu\u1ed5i v\u00e0 s\u1ee9c kh\u1ecfe, v\u00ec v\u1eady mua ch\u00ednh s\u00e1ch s\u1edbm c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n ti\u1ebft ki\u1ec7m ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 c\u00f3 m\u1ed9t k\u1ebf ho\u1ea1ch b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n. H\u00e3y th\u1ea3o lu\u1eadn v\u1edbi chuy\u00ean gia b\u1ea3o hi\u1ec3m \u0111\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin v\u00e0 t\u00ecm hi\u1ec3u l\u1ef1a ch\u1ecdn ph\u00f9 h\u1ee3p v\u1edbi t\u00ecnh hu\u1ed1ng 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-20216\" class=\"elementor-tab-title\" data-tab=\"16\" role=\"button\" aria-controls=\"elementor-tab-content-20216\" 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 l\u00e2u \u0111\u1ec3 nh\u1eadn ti\u1ec1n b\u1ed3i th\u01b0\u1eddng t\u1eeb ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20216\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"16\" role=\"region\" aria-labelledby=\"elementor-tab-title-20216\"><p>Th\u1eddi gian \u0111\u1ec3 nh\u1eadn ti\u1ec1n b\u1ed3i th\u01b0\u1eddng t\u1eeb ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ph\u1ee5 thu\u1ed9c v\u00e0o quy tr\u00ecnh v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. Th\u00f4ng th\u01b0\u1eddng, b\u1ea1n ho\u1eb7c ng\u01b0\u1eddi \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh s\u1ebd c\u1ea7n g\u1eedi y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng v\u00e0 cung c\u1ea5p c\u00e1c t\u00e0i li\u1ec7u li\u00ean quan. C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ti\u1ebfn h\u00e0nh xem x\u00e9t v\u00e0 x\u1eed l\u00fd y\u00eau c\u1ea7u trong kho\u1ea3ng th\u1eddi gian x\u00e1c \u0111\u1ecbnh. H\u00e3y th\u1ea3o lu\u1eadn v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin chi ti\u1ebft v\u1ec1 th\u1eddi gian nh\u1eadn ti\u1ec1n b\u1ed3i th\u01b0\u1eddng.<\/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-20217\" class=\"elementor-tab-title\" data-tab=\"17\" role=\"button\" aria-controls=\"elementor-tab-content-20217\" 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 h\u1ee7y ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20217\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"17\" role=\"region\" aria-labelledby=\"elementor-tab-title-20217\"><p>C\u00f3, b\u1ea1n c\u00f3 th\u1ec3 h\u1ee7y ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Tuy nhi\u00ean, quy tr\u00ecnh h\u1ee7y v\u00e0 c\u00e1c \u0111i\u1ec1u kho\u1ea3n li\u00ean quan s\u1ebd kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 lo\u1ea1i ch\u00ednh s\u00e1ch b\u1ea1n \u0111ang s\u1edf h\u1eefu. B\u1ea1n n\u00ean th\u1ea3o lu\u1eadn tr\u1ef1c ti\u1ebfp v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 bi\u1ebft chi ti\u1ebft v\u1ec1 quy tr\u00ecnh v\u00e0 h\u1eadu qu\u1ea3 t\u00e0i ch\u00ednh c\u1ee7a vi\u1ec7c h\u1ee7y ch\u00ednh s\u00e1ch.<\/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-20218\" class=\"elementor-tab-title\" data-tab=\"18\" role=\"button\" aria-controls=\"elementor-tab-content-20218\" 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 chuy\u1ec3n \u0111\u1ed5i ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd sang m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c \u0111\u01b0\u1ee3c kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20218\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"18\" role=\"region\" aria-labelledby=\"elementor-tab-title-20218\"><p>C\u00f3, trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, b\u1ea1n c\u00f3 th\u1ec3 chuy\u1ec3n \u0111\u1ed5i ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1eeb m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m sang m\u1ed9t c\u00f4ng ty kh\u00e1c. Quy tr\u00ecnh v\u00e0 \u0111i\u1ec1u ki\u1ec7n chuy\u1ec3n \u0111\u1ed5i s\u1ebd kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o c\u00e1c quy \u0111\u1ecbnh v\u00e0 ch\u00ednh s\u00e1ch c\u1ee7a t\u1eebng c\u00f4ng ty b\u1ea3o hi\u1ec3m. H\u00e3y li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u1edbi \u0111\u1ec3 bi\u1ebft th\u00eam th\u00f4ng tin v\u00e0 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u1ec1 quy tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i ch\u00ednh s\u00e1ch.<\/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-20219\" class=\"elementor-tab-title\" data-tab=\"19\" role=\"button\" aria-controls=\"elementor-tab-content-20219\" 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 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd sau khi \u0111\u00e3 mua kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20219\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"19\" role=\"region\" aria-labelledby=\"elementor-tab-title-20219\"><p>M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh t\u1ea1i th\u1eddi \u0111i\u1ec3m mua ch\u00ednh s\u00e1ch v\u00e0 c\u00f3 th\u1ec3 kh\u00f4ng thay \u0111\u1ed5i sau \u0111\u00f3. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u00f3 t\u00ednh n\u0103ng \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c ph\u00ed theo th\u1eddi gian ho\u1eb7c t\u00f9y ch\u1ecdn gia t\u0103ng m\u1ee9c b\u1ea3o hi\u1ec3m. H\u00e3y th\u1ea3o lu\u1eadn v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 bi\u1ebft th\u00eam chi ti\u1ebft v\u1ec1 kh\u1ea3 n\u0103ng \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd trong ch\u00ednh s\u00e1ch 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-20220\" class=\"elementor-tab-title\" data-tab=\"20\" role=\"button\" aria-controls=\"elementor-tab-content-20220\" 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\u1ea1i Canada, n\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u00e1 s\u1ea3n th\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1ebd th\u1ebf n\u00e0o?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20220\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"20\" role=\"region\" aria-labelledby=\"elementor-tab-title-20220\"><p>T\u1ea1i Canada, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 b\u1edfi m\u1ed9t t\u1ed5 ch\u1ee9c \u0111\u1ed9c l\u1eadp l\u00e0 Assuris. Assuris l\u00e0 m\u1ed9t t\u1ed5 ch\u1ee9c b\u1ea3o v\u1ec7 l\u1ee3i \u00edch c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u00e1 s\u1ea3n.<\/p><p>Khi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u00e1 s\u1ea3n, Assuris s\u1ebd ti\u1ebfn h\u00e0nh quy tr\u00ecnh b\u1ea3o v\u1ec7 ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m. D\u01b0\u1edbi s\u1ef1 b\u1ea3o v\u1ec7 c\u1ee7a Assuris, c\u00e1c quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n s\u1ebd \u0111\u01b0\u1ee3c ti\u1ebfp t\u1ee5c v\u00e0 \u0111\u01b0\u1ee3c chuy\u1ec3n \u0111\u1ebfn c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p><p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 nh\u1eefng \u0111i\u1ec3m quan tr\u1ecdng v\u1ec1 b\u1ea3o v\u1ec7 c\u1ee7a Assuris:<\/p><ol><li>Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n: Assuris \u0111\u1ea3m b\u1ea3o b\u1ea3o v\u1ec7 c\u00e1c quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n nh\u01b0 t\u1eed vong, t\u00e0n t\u1eadt v\u00e0 b\u1ec7nh n\u1eb7ng. Tuy nhi\u00ean, c\u00f3 m\u1ed9t gi\u1edbi h\u1ea1n v\u1ec1 m\u1ee9c b\u1ea3o v\u1ec7 m\u00e0 Assuris cung c\u1ea5p.<\/li><li>Gi\u1edbi h\u1ea1n m\u1ee9c b\u1ea3o v\u1ec7: Assuris b\u1ea3o v\u1ec7 m\u1ee9c b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n t\u1ed1i \u0111a l\u00e0 200.000 CAD cho ti\u1ec1n t\u1eed vong, 60.000 CAD cho ti\u1ec1n t\u00e0n t\u1eadt v\u00e0 60.000 CAD cho ti\u1ec1n b\u1ea3o hi\u1ec3m b\u1ec7nh n\u1eb7ng. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 n\u1ebfu gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n v\u01b0\u1ee3t qu\u00e1 m\u1ee9c b\u1ea3o v\u1ec7, c\u00f3 th\u1ec3 b\u1ea1n s\u1ebd kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00f3.<\/li><li>Lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ea3o v\u1ec7: Assuris b\u1ea3o v\u1ec7 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n, b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe v\u00e0 b\u1ea3o hi\u1ec3m s\u1ed1ng c\u1ee7a c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p.<\/li><li>Th\u1eddi gian b\u1ea3o v\u1ec7: Assuris b\u1ea3o v\u1ec7 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u00e1 s\u1ea3n trong v\u00f2ng 60 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y c\u00f4ng ty ph\u00e1 s\u1ea3n ho\u1eb7c t\u1eeb ng\u00e0y m\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1ecb h\u1ee7y b\u1ecf.<\/li><li>T\u1ef1 \u0111\u1ed9ng chuy\u1ec3n giao h\u1ee3p \u0111\u1ed3ng: Trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p, Assuris s\u1ebd t\u1ef1 \u0111\u1ed9ng chuy\u1ec3n giao h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n cho c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c m\u00e0 kh\u00f4ng y\u00eau c\u1ea7u b\u1ea1n ph\u1ea3i th\u1ef1c hi\u1ec7n b\u1ea5t k\u1ef3 h\u00e0nh \u0111\u1ed9ng n\u00e0o.<\/li><\/ol><p>Quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u00e1 s\u1ea3n c\u1ee5 th\u1ec3 s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n, c\u0169ng nh\u01b0 quy \u0111\u1ecbnh c\u1ee7a Assuris. \u0110\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 qu\u00e1 tr\u00ecnh b\u1ea3o v\u1ec7 v\u00e0 quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, n\u00ean li\u00ean h\u1ec7 tr\u1ef1c ti\u1ebfp v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 t\u00ecm hi\u1ec3u c\u00e1c chi ti\u1ebft c\u1ee5 th\u1ec3.<\/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-20221\" class=\"elementor-tab-title\" data-tab=\"21\" role=\"button\" aria-controls=\"elementor-tab-content-20221\" 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 khi\u1ebfu n\u1ea1i m\u1ed9t nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-20221\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"21\" role=\"region\" aria-labelledby=\"elementor-tab-title-20221\"><p>\u0110\u1ec3 khi\u1ebfu n\u1ea1i v\u1ec1 m\u1ed9t nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m \u1edf Canada, b\u1ea1n c\u00f3 th\u1ec3 l\u00e0m theo c\u00e1c b\u01b0\u1edbc sau \u0111\u00e2y:<\/p><ul><li>Li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m: B\u1eaft \u0111\u1ea7u b\u1eb1ng vi\u1ec7c li\u00ean h\u1ec7 v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u00e0 nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n \u0111\u1ea1i di\u1ec7n. Tr\u00ecnh b\u00e0y khi\u1ebfu n\u1ea1i c\u1ee7a b\u1ea1n v\u00e0 cung c\u1ea5p th\u00f4ng tin chi ti\u1ebft li\u00ean quan, nh\u01b0 t\u00ean c\u1ee7a nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n, s\u1ed1 h\u1ee3p \u0111\u1ed3ng (n\u1ebfu c\u00f3), v\u00e0 m\u00f4 t\u1ea3 r\u00f5 r\u00e0ng v\u1ec1 v\u1ea5n \u0111\u1ec1 g\u1eb7p ph\u1ea3i. C\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00ean c\u00f3 m\u1ed9t b\u1ed9 ph\u1eadn ho\u1eb7c quy tr\u00ecnh \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh \u0111\u1ec3 x\u1eed l\u00fd khi\u1ebfu n\u1ea1i.<\/li><li>Li\u00ean h\u1ec7 v\u1edbi t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m: N\u1ebfu khi\u1ebfu n\u1ea1i c\u1ee7a b\u1ea1n kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft \u0111\u00e1ng mong \u0111\u1ee3i b\u1edfi c\u00f4ng ty b\u1ea3o hi\u1ec3m, b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebfn c\u00f9ng qu\u00e1 tr\u00ecnh khi\u1ebfu n\u1ea1i t\u1edbi t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m t\u1ea1i t\u1ec9nh ho\u1eb7c l\u00e3nh th\u1ed5 c\u1ee7a b\u1ea1n. \u1ede Canada, ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd t\u1ea1i c\u1ea5p t\u1ec9nh ho\u1eb7c l\u00e3nh th\u1ed5. T\u00ecm hi\u1ec3u t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p \u0111\u1ea3m nh\u1eadn vi\u1ec7c gi\u00e1m s\u00e1t nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m trong khu v\u1ef1c c\u1ee7a b\u1ea1n v\u00e0 g\u1eedi khi\u1ebfu n\u1ea1i ch\u00ednh th\u1ee9c cho h\u1ecd. H\u1ecd s\u1ebd h\u01b0\u1edbng d\u1eabn b\u1ea1n th\u00f4ng qua quy tr\u00ecnh gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i c\u1ee5 th\u1ec3 c\u1ee7a h\u1ecd.<\/li><li>Cung c\u1ea5p t\u00e0i li\u1ec7u ch\u1ee9ng c\u1ee9: Khi khi\u1ebfu n\u1ea1i, quan tr\u1ecdng ph\u1ea3i cung c\u1ea5p t\u00e0i li\u1ec7u ch\u1ee9ng c\u1ee9 h\u1ed7 tr\u1ee3, ch\u1eb3ng h\u1ea1n nh\u01b0 th\u01b0 t\u1eeb, t\u00e0i li\u1ec7u h\u1ee3p \u0111\u1ed3ng ho\u1eb7c b\u1ea5t k\u1ef3 b\u1eb1ng ch\u1ee9ng n\u00e0o li\u00ean quan \u0111\u1ebfn khi\u1ebfu n\u1ea1i c\u1ee7a b\u1ea1n. \u0110i\u1ec1u n\u00e0y gi\u00fap t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd hi\u1ec3u r\u00f5 b\u1ea3n ch\u1ea5t c\u1ee7a v\u1ea5n \u0111\u1ec1 v\u00e0 \u0111\u00e1nh gi\u00e1 n\u00f3 m\u1ed9t c\u00e1ch ph\u00f9 h\u1ee3p.<\/li><li>T\u00ecm ki\u1ebfm l\u1eddi khuy\u00ean ph\u00e1p l\u00fd ho\u1eb7c t\u00e0i ch\u00ednh: N\u1ebfu qu\u00e1 tr\u00ecnh gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i qua c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd kh\u00f4ng mang l\u1ea1i k\u1ebft qu\u1ea3 \u0111\u00e1ng mong \u0111\u1ee3i, b\u1ea1n c\u00f3 th\u1ec3 xem x\u00e9t t\u00ecm l\u1eddi khuy\u00ean ph\u00e1p l\u00fd ho\u1eb7c t\u00e0i ch\u00ednh. T\u01b0 v\u1ea5n v\u1edbi lu\u1eadt s\u01b0 ho\u1eb7c c\u1ed1 v\u1ea5n t\u00e0i ch\u00ednh chuy\u00ean v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh, kh\u00e1m ph\u00e1 c\u00e1c bi\u1ec7n ph\u00e1p ph\u00e1p l\u00fd ti\u1ec1m n\u0103ng ho\u1eb7c \u0111\u00e0m ph\u00e1n m\u1ed9t gi\u1ea3i ph\u00e1p.<\/li><li>D\u1ecbch v\u1ee5 Ombudsman: Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn m\u1ed9t d\u1ecbch v\u1ee5 ombudsman \u0111\u1ed9c l\u1eadp ho\u1eb7c d\u1ecbch v\u1ee5 h\u00f2a gi\u1ea3i cho c\u00e1c tranh ch\u1ea5p li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m. Nh\u1eefng t\u1ed5 ch\u1ee9c n\u00e0y cung c\u1ea5p s\u1ef1 tr\u1ee3 gi\u00fap t\u1eeb m\u1ed9t b\u00ean th\u1ee9 ba trung l\u1eadp trong vi\u1ec7c gi\u1ea3i quy\u1ebft khi\u1ebfu n\u1ea1i gi\u1eefa ng\u01b0\u1eddi ch\u1ee7 h\u1ee3p \u0111\u1ed3ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n.<\/li><\/ul><p>L\u01b0u \u00fd r\u1eb1ng c\u00e1c quy tr\u00ecnh v\u00e0 c\u01a1 quan c\u1ee5 th\u1ec3 c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o t\u1ec9nh ho\u1eb7c l\u00e3nh th\u1ed5 c\u1ee7a b\u1ea1n. Do \u0111\u00f3, n\u00ean truy c\u1eadp trang web c\u1ee7a t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m t\u1ec9nh ho\u1eb7c l\u00e3nh th\u1ed5 c\u1ee7a b\u1ea1n \u0111\u1ec3 c\u00f3 th\u00f4ng tin chi ti\u1ebft v\u1ec1 c\u00e1ch khi\u1ebfu n\u1ea1i v\u00e0 c\u00e1c b\u01b0\u1edbc li\u00ean quan.<\/p><p>H\u00e3y ghi l\u1ea1i t\u1ea5t c\u1ea3 th\u00f4ng tin li\u00ean l\u1ea1c, bao g\u1ed3m c\u00e1c ng\u00e0y, t\u00ean c\u1ee7a nh\u1eefng ng\u01b0\u1eddi b\u1ea1n \u0111\u00e3 n\u00f3i chuy\u1ec7n v\u00e0 b\u1ea3n sao c\u1ee7a b\u1ea5t k\u1ef3 th\u00f4ng tin v\u0103n b\u1ea3n n\u00e0o. \u0110i\u1ec1u n\u00e0y s\u1ebd gi\u00fap b\u1ea1n duy tr\u00ec m\u1ed9t h\u1ed3 s\u01a1 r\u00f5 r\u00e0ng v\u1ec1 khi\u1ebfu n\u1ea1i v\u00e0 c\u00e1c h\u00e0nh \u0111\u1ed9ng \u0111\u00e3 th\u1ef1c hi\u1ec7n.<\/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>\n\t\t<div id=\"e-n-tab-content-2394709083\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2394709083\" data-tab-index=\"3\" style=\"--n-tabs-title-order: 3;\" class=\" elementor-element elementor-element-f49258a e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"f49258a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-53988db elementor-widget elementor-widget-accordion\" data-id=\"53988db\" 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-8761\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-8761\" 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-8761\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-8761\"><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-8762\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-8762\" 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-8762\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-8762\"><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-8763\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-8763\" 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-8763\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-8763\"><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-8764\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-8764\" 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-8764\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-8764\"><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-8765\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-8765\" 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-8765\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-8765\"><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-8766\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-8766\" 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-8766\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-8766\"><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-8767\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-8767\" 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-8767\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-8767\"><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-8768\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-8768\" 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-8768\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-8768\"><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-8769\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-8769\" 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-8769\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-8769\"><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-87610\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-87610\" 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-87610\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-87610\"><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-87611\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-87611\" 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-87611\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-87611\"><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-87612\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-87612\" 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-87612\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-87612\"><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-87613\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-87613\" 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-87613\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-87613\"><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>\n\t\t<div id=\"e-n-tab-content-2394709084\" role=\"tabpanel\" aria-labelledby=\"e-n-tab-title-2394709084\" data-tab-index=\"4\" style=\"--n-tabs-title-order: 4;\" class=\" elementor-element elementor-element-f98b4c1 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"f98b4c1\" 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-dcb7a25 elementor-widget elementor-widget-accordion\" data-id=\"dcb7a25\" 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-2311\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2311\" 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 x\u00e1c \u0111\u1ecbnh m\u1ee9c tr\u1ea3 ti\u1ec1n c\u1ee7a b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2311\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2311\"><p>M\u1ee9c tr\u1ea3 ti\u1ec1n th\u01b0\u1eddng d\u1ef1a tr\u00ean m\u1ee9c \u0111\u1ed9 th\u01b0\u01a1ng t\u1eadt c\u1ee7a b\u1ea1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. C\u00f3 th\u1ec3 theo d\u00f5i m\u1ee9c \u0111\u1ed9 th\u01b0\u01a1ng t\u1eadt b\u1eb1ng c\u00e1c y\u00eau c\u1ea7u y khoa v\u00e0\/ho\u1eb7c theo d\u00f5i theo ng\u00e0nh ngh\u1ec1.<\/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-2312\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2312\" 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 ph\u1ea3i tr\u1ea3 bao nhi\u00eau ti\u1ec1n cho b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2312\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2312\"><p>Ph\u00ed b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt th\u01b0\u1eddng ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 nh\u01b0 tu\u1ed5i, t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe, ngh\u1ec1 nghi\u1ec7p v\u00e0 m\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m mong mu\u1ed1n. \u0110\u1ec3 bi\u1ebft gi\u00e1 c\u1ee5 th\u1ec3, b\u1ea1n n\u00ean y\u00eau c\u1ea7u b\u00e1o gi\u00e1 t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p><p>who relies on their income to cover living expenses should consider disability insurance. It&#8217;s particularly important for those without substantial savings or alternative sources of income.<\/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-2313\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2313\" 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 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt sau khi t\u00f4i \u0111\u00e3 b\u1ecb th\u01b0\u01a1ng t\u1eadt kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2313\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2313\"><p>Mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt sau khi b\u1ea1n \u0111\u00e3 b\u1ecb th\u01b0\u01a1ng t\u1eadt r\u1ea5t kh\u00f3 kh\u0103n v\u00e0 \u0111\u1eaft \u0111\u1ecf. H\u00e3y mua b\u1ea3o hi\u1ec3m tr\u01b0\u1edbc \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p x\u1ea5u nh\u1ea5t<\/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-2314\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2314\" 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 l\u1ef1a ch\u1ecdn th\u1eddi gian chu k\u1ef3 tr\u1ea3 ti\u1ec1n nh\u01b0 th\u1ebf n\u00e0o?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2314\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2314\"><p>Th\u1eddi gian chu k\u1ef3 tr\u1ea3 ti\u1ec1n n\u00ean \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn d\u1ef1a tr\u00ean t\u00e0i ch\u00ednh v\u00e0 m\u1ee5c ti\u00eau c\u1ee7a b\u1ea1n. C\u00f3 th\u1ec3 ch\u1ecdn tr\u1ea3 ti\u1ec1n h\u00e0ng th\u00e1ng, h\u00e0ng n\u0103m ho\u1eb7c theo m\u1ed9t kho\u1ea3ng th\u1eddi gian kh\u00e1c t\u00f9y theo l\u1ef1a ch\u1ecdn 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-2315\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2315\" 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 th\u01b0\u01a1ng t\u1eadt c\u00f3 \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0o kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2315\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2315\"><p>C\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y theo h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng th\u01b0\u1eddng bao g\u1ed3m th\u01b0\u01a1ng t\u1eadt do h\u00e0nh vi b\u1ea5t h\u1ee3p ph\u00e1p ho\u1eb7c t\u1ef1 t\u1ed5n th\u01b0\u01a1ng c\u1ed1 \u00fd.<\/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-2316\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2316\" 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 mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt cho \u0111\u1ed9 tu\u1ed5i n\u00e0o?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2316\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2316\"><p>B\u1ea1n c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt \u1edf m\u1ecdi \u0111\u1ed9 tu\u1ed5i, nh\u01b0ng th\u01b0\u1eddng n\u00ean mua c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t \u0111\u1ec3 t\u1eadn h\u01b0\u1edfng c\u00e1c m\u1ee9c ph\u00ed th\u1ea5p h\u01a1n v\u00e0 \u0111\u1ea3m b\u1ea3o s\u1ee9c kh\u1ecfe 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-2317\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2317\" 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 th\u01b0\u01a1ng t\u1eadt c\u00f3 m\u1ee9c tr\u1ea3 ti\u1ec1n h\u00e0ng th\u00e1ng kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2317\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2317\"><p>C\u00f3, b\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt v\u1edbi m\u1ee9c tr\u1ea3 ti\u1ec1n h\u00e0ng th\u00e1ng ho\u1eb7c h\u00e0ng n\u0103m, t\u00f9y theo s\u1ef1 thu\u1eadn ti\u1ec7n v\u00e0 k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh 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-2318\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2318\" 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 bi\u1ebft li\u1ec7u t\u00f4i c\u00f3 \u0111\u1ee7 th\u01b0\u01a1ng t\u1eadt \u0111\u1ec3 y\u00eau c\u1ea7u tr\u1ea3 ti\u1ec1n?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2318\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2318\"><p>\u0110i\u1ec1u n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1eb1ng quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. C\u00f3 th\u1ec3 y\u00eau c\u1ea7u x\u00e1c minh t\u1eeb b\u00e1c s\u0129 ho\u1eb7c chuy\u00ean gia y t\u1ebf \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 th\u01b0\u01a1ng t\u1eadt 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-2319\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-2319\" 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 \u0111\u00e3 c\u00f3 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe, li\u1ec7u c\u1ea7n mua th\u00eam b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-2319\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-2319\"><p>B\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt ph\u1ee5c v\u1ee5 m\u1ee5c ti\u00eau kh\u00e1c nhau. B\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt t\u1eadp trung v\u00e0o b\u1ea3o v\u1ec7 thu nh\u1eadp c\u1ee7a b\u1ea1n khi b\u1ea1n kh\u00f4ng th\u1ec3 l\u00e0m vi\u1ec7c, trong khi b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe gi\u00fap chi tr\u1ea3 c\u00e1c chi ph\u00ed y t\u1ebf. C\u00e2n nh\u1eafc nhu c\u1ea7u c\u1ee7a b\u1ea1n \u0111\u1ec3 quy\u1ebft \u0111\u1ecbnh.<\/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-23110\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-23110\" 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 \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt sau khi mua kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-23110\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-23110\"><p>C\u00f3, trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, b\u1ea1n c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh m\u1ee9c b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt sau khi mua \u0111\u1ec3 ph\u1ea3n \u00e1nh s\u1ef1 thay \u0111\u1ed5i trong t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh ho\u1eb7c cu\u1ed9c s\u1ed1ng 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-23111\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-23111\" 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 th\u01b0\u01a1ng t\u1eadt c\u00f3 th\u1ec3 b\u1ea3o v\u1ec7 gia \u0111\u00ecnh c\u1ee7a t\u00f4i kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-23111\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-23111\"><p>C\u00f3, n\u1ebfu b\u1ea1n tr\u1edf n\u00ean th\u01b0\u01a1ng t\u1eadt v\u00e0 kh\u00f4ng th\u1ec3 ki\u1ebfm thu nh\u1eadp, b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt c\u00f3 th\u1ec3 gi\u00fap b\u1ea3o v\u1ec7 gia \u0111\u00ecnh c\u1ee7a b\u1ea1n kh\u1ecfi g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh b\u1eb1ng c\u00e1ch tr\u1ea3 ti\u1ec1n cho 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-23112\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-23112\" 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 \u0111\u00e3 mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt nh\u01b0ng ch\u01b0a bao gi\u1edd s\u1eed d\u1ee5ng. Ti\u1ec1n ph\u00ed \u0111\u00e3 tr\u1ea3 c\u00f3 b\u1ecb m\u1ea5t kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-23112\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-23112\"><p>Ti\u1ec1n ph\u00ed b\u1ea3o hi\u1ec3m b\u1ea1n \u0111\u00e3 tr\u1ea3 th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i n\u1ebfu b\u1ea1n kh\u00f4ng s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, b\u1ea3o hi\u1ec3m n\u00e0y v\u1eabn cung c\u1ea5p b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n c\u1ea7n n\u00f3.<\/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-23113\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-23113\" 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 \u0111ang c\u00f3 b\u1ec7nh m\u00e3n t\u00ednh, c\u00f3 mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt \u0111\u01b0\u1ee3c kh\u00f4ng?<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-23113\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-23113\"><p>C\u00f3 th\u1ec3, nh\u01b0ng \u0111i\u1ec1u n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n v\u00e0 \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng. B\u1ea1n c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 ph\u00ed cao h\u01a1n ho\u1eb7c b\u1ecb lo\u1ea1i b\u1ecf c\u00e1c b\u1ec7nh li\u00ean quan.<\/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\t<\/div>\n\t\t\t\t<\/div>\n\t\t\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\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-926130a e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"926130a\" 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-11d8d6f elementor-widget elementor-widget-heading\" data-id=\"11d8d6f\" 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<div class=\"elementor-element elementor-element-70cbb5d2 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"70cbb5d2\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6d78fb1c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"6d78fb1c\" 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-4d6cd523 elementor-widget elementor-widget-heading\" data-id=\"4d6cd523\" 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\u200b<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c280352 elementor-widget elementor-widget-button\" data-id=\"3c280352\" 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-ffa5c73 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"ffa5c73\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\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 du l\u1ecbch B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd B\u1ea3o hi\u1ec3m b\u1ec7nh hi\u1ec3m ngh\u00e8o B\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt B\u1ea3o hi\u1ec3m du l\u1ecbch \ud83c\udf41C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m du l\u1ecbch t\u1ea1i Vi\u1ec7t Nam thay v\u00ec mua t\u1ea1i Canada hay kh\u00f4ng? C\u00f3 kh\u00e1 nhi\u1ec1u ng\u01b0\u1eddi Vi\u1ec7t l\u1ef1a ch\u1ecdn mua b\u1ea3o hi\u1ec3m du l\u1ecbch t\u1ea1i Vi\u1ec7t Nam v\u00ec gi\u00e1 r\u1ebb. Tuy nhi\u00ean, \u0111\u00e2y l\u00e0 sai l\u1ea7m r\u1ea5t th\u01b0\u1eddng g\u1eb7p. Khi x\u00e9t v\u1ec1 \u0111\u1ecbnh ngh\u0129a \u201cgi\u00e1 r\u1ebb\u201d, nhi\u1ec1u ng\u01b0\u1eddi qu\u00ean so s\u00e1nh c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c nh\u01b0: s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m (coverage) l\u00e0 bao nhi\u00eau? Nh\u1eefng tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o? Th\u1ee7 t\u1ee5c truy l\u1ea1i (claim) ti\u1ec1n b\u1ea3o hi\u1ec3m c\u00f3 ph\u1ee9c t\u1ea1p kh\u00f4ng? H\u1ec7 th\u1ed1ng h\u1ed7 tr\u1ee3 v\u00e0 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o? Khi mua b\u1ea3o hi\u1ec3m du l\u1ecbch t\u1ea1i Vi\u1ec7t Nam, nhi\u1ec1u ng\u01b0\u1eddi l\u1ea7m t\u01b0\u1edfng r\u1eb1ng gi\u00e1 r\u1ebb h\u01a1n, nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf l\u00e0 m\u1ee9c b\u1ea3o hi\u1ec3m (coverage) trong c\u00e1c g\u00f3i mua \u1edf VN th\u01b0\u1eddng th\u1ea5p h\u01a1n \u0111\u1ec3 ph\u00ed b\u1ea3o hi\u1ec3m tr\u00f4ng \u201cc\u00f3 v\u1ebb r\u1ebb\u201d. Tuy nhi\u00ean m\u1ee9c coverage \u0111\u00f3 c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng \u0111\u1ee7 chi tr\u1ea3 cho t\u1ea5t c\u1ea3 c\u00e1c chi ph\u00ed trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 tai n\u1ea1n x\u1ea3y ra. Ngo\u00e0i ra, th\u00f4ng th\u01b0\u1eddng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u1edf VN s\u1ebd kh\u00f4ng thanh to\u00e1n tr\u1ef1c ti\u1ebfp c\u00e1c chi ph\u00ed cho c\u01a1 s\u1edf y t\u1ebf t\u1ea1i Canada, m\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 tr\u01b0\u1edbc v\u00e0 truy h\u1ed3i (claim) l\u1ea1i sau. Nh\u01b0 v\u1eady s\u1ebd c\u00f3 r\u1ea5t nhi\u1ec1u r\u1ee7i ro trong qu\u00e1 tr\u00ecnh n\u00e0y. Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu mua b\u1ea3o hi\u1ec3m t\u1ea1i c\u00f4ng ty \u1edf Canada, khi x\u1ea3y ra tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p, b\u1ea1n ch\u1ec9 c\u1ea7n g\u1ecdi \u0111i\u1ec7n tho\u1ea1i l\u00ean hotline l\u00e0 s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn tr\u1ef1c ti\u1ebfp, v\u00e0 c\u00f4ng ty th\u01b0\u1eddng s\u1ebd thanh to\u00e1n tr\u1ef1c ti\u1ebfp cho ph\u00eda h\u1ec7 th\u1ed1ng y t\u1ebf, b\u1ec7nh vi\u1ec7n l\u1edbn t\u1ea1i Canada. \u0110i\u1ec1u n\u00e0y kh\u00f4ng ch\u1ec9 ti\u1ec7n l\u1ee3i h\u01a1n v\u1ec1 m\u1eb7t t\u00e0i ch\u00ednh, m\u00e0 c\u00f2n gi\u00fap b\u1ea1n y\u00ean t\u00e2m h\u01a1n thay v\u00ec ph\u1ea3i h\u1ed3i h\u1ed9p lo l\u1eafng n\u1ebfu l\u00e0m th\u1ee7 t\u1ee5c claim l\u1ea1i sau. \ud83c\udf41Deductible \u2013 ti\u1ec1n kh\u1ea5u tr\u1eeb l\u00e0 g\u00ec? \u0110\u00e2y l\u00e0 ph\u1ea7n ti\u1ec1n m\u00e0 b\u1ea1n ph\u1ea3i t\u1ef1 b\u1ecf ti\u1ec1n t\u00fai tr\u01b0\u1edbc khi b\u1ea3o hi\u1ec3m chi tr\u1ea3. V\u00ed d\u1ee5, n\u1ebfu h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n c\u00f3 deductible l\u00e0 $500, chi ph\u00ed b\u1ea1n n\u1eb1m vi\u1ec7n l\u00e0 $3,000, th\u00ec b\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 $500 tr\u01b0\u1edbc, c\u00f2n c\u00f4ng ty BH s\u1ebd tr\u1ea3 $2,500 c\u00f2n l\u1ea1i. Do v\u1eady, deductible c\u00e0ng cao th\u00ec g\u00f3i BH s\u1ebd c\u00e0ng r\u1ebb. V\u1eady n\u00ean n\u1ebfu b\u1ea1n c\u00f3 so s\u00e1nh gi\u00e1 BH gi\u1eefa c\u00e1c c\u00f4ng ty th\u00ec n\u00ean so s\u00e1nh \u1edf c\u00f9ng m\u1ee9c deductible ngang nhau. \ud83c\udf41C\u00e1c b\u1ec7nh \u0111\u00e3 c\u00f3 t\u1eeb tr\u01b0\u1edbc c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng? T\u1eeb 0-59 tu\u1ed5i, kh\u00e1ch h\u00e0ng kh\u00f4ng c\u1ea7n \u0111i\u1ec1n b\u1ea3ng c\u00e2u h\u1ecfi s\u1ee9c kh\u1ecfe, \u0111\u1ed3ng th\u1eddi s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1ec7nh n\u1ebfu s\u1ee9c kh\u1ecfe \u1ed5n \u0111\u1ecbnh trong v\u00f2ng 90 ng\u00e0y tr\u01b0\u1edbc ng\u00e0y h\u1ee3p \u0111\u1ed3ng c\u00f3 hi\u1ec7u l\u1ef1c. T\u1eeb 60-79 tu\u1ed5i c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00e1c b\u1ec7nh \u0111\u00e3 c\u00f3 t\u1eeb tr\u01b0\u1edbc nh\u01b0 b\u1ec7nh tim (heart condition), \u0111\u1ed9t qu\u1ef5 (stroke or mini-stroke), ho\u1eb7c b\u1ea5t c\u1ee9 b\u1ec7nh n\u00e0o c\u00f3 s\u1eb5n m\u00e0 kh\u00f4ng \u1ed5n \u0111\u1ecbnh trong v\u00f2ng 180 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y h\u1ee3p \u0111\u1ed3ng c\u00f3 hi\u1ec7u l\u1ef1c, kh\u00e1ch h\u00e0ng ph\u1ea3i \u0111i\u1ec1n b\u1ea3ng c\u00e2u h\u1ecfi s\u1ee9c kh\u1ecfe. N\u1ebfu kh\u00f4ng c\u1ea7n b\u1ea3o hi\u1ec3m cho c\u00e1c t\u00ecnh tr\u1ea1ng tim v\u00e0 \u0111\u1ed9t qu\u1ef5 v\u00e0 c\u00e1c t\u00ecnh tr\u1ea1ng hi\u1ec7n t\u1ea1i \u0111\u00e3 \u1ed5n \u0111\u1ecbnh trong v\u00f2ng 180 ng\u00e0y tr\u01b0\u1edbc ng\u00e0y hi\u1ec7u l\u1ef1c c\u1ee7a h\u1ee3p \u0111\u1ed3ng, b\u1ea3o hi\u1ec3m cho nh\u1eefng t\u00ecnh tr\u1ea1ng ti\u1ec1n s\u1eed \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c cung c\u1ea5p m\u00e0 kh\u00f4ng c\u1ea7n \u0111i\u1ec1n b\u1ea3ng c\u00e2u h\u1ecfi s\u1ee9c kh\u1ecfe. T\u1eeb 80-89 tu\u1ed5i, c\u00e1c b\u1ec7nh c\u00f3 s\u1eb5n s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m tr\u1eeb khi kh\u00e1ch h\u00e0ng \u0111i\u1ec1n b\u1ea3ng c\u00e2u h\u1ecfi s\u1ee9c kh\u1ecfe, , \u0111\u01b0\u1ee3c c\u00f4ng ty ch\u1ea5p nh\u1eadn v\u00e0 tr\u1ea3 th\u00eam ph\u00ed y\u00eau c\u1ea7u (n\u1ebfu c\u00f3) \ud83c\udf41\u0110i\u1ec1u ki\u1ec7n \u1ed5n \u0111\u1ecbnh cho c\u00e1c b\u1ec7nh c\u00f3 t\u1eeb tr\u01b0\u1edbc l\u00e0 g\u00ec? Kh\u00f4ng c\u00f3 \u0111i\u1ec1u tr\u1ecb m\u1edbi Kh\u00f4ng c\u00f3 thay \u0111\u1ed5i trong \u0111i\u1ec1u tr\u1ecb, t\u1ea7n s\u1ed1 v\u00e0 lo\u1ea1i \u0111i\u1ec1u tr\u1ecb Kh\u00f4ng c\u00f3 d\u1ea5u hi\u1ec7u ho\u1eb7c tri\u1ec7u ch\u1ee9ng ho\u1eb7c ch\u1ea9n \u0111o\u00e1n m\u1edbi Kh\u00f4ng c\u00f3 k\u1ebft qu\u1ea3 ki\u1ec3m tra xu\u1ea5t hi\u1ec7n s\u1ef1 sa s\u00fat v\u1ec1 b\u1ec7nh Kh\u00f4ng nh\u1eadp vi\u1ec7n Kh\u00f4ng b\u1ecb y\u00eau c\u1ea7u g\u1eb7p b\u00e1c s\u1ef9 chuy\u00ean khoa ho\u1eb7c \u0111\u1ee3i ph\u1eabu thu\u1eadt ho\u1eb7c \u0111\u1ee3i k\u1ebft qu\u1ea3 kh\u00e1m c\u1ee7a c\u00e1c chuy\u00ean gia y t\u1ebf kh\u00e1c. \ud83c\udf41B\u1ea3o hi\u1ec3m du l\u1ecbch Canada c\u00f3 hi\u1ec7u l\u1ef1c khi b\u1ea1n du l\u1ecbch \u0111\u1ebfn qu\u1ed1c gia kh\u00e1c kh\u00f4ng? C\u00f3. V\u1edbi \u0111i\u1ec1u ki\u1ec7n du kh\u00e1ch ph\u1ea3i \u1edf Canada \u00edt nh\u1ea5t 51% th\u1eddi gian chuy\u1ebfn \u0111i. Tuy nhi\u00ean, b\u1ea3o hi\u1ec3m s\u1ebd m\u1ea5t hi\u1ec7u l\u1ef1c n\u1ebfu kh\u00e1ch h\u00e0ng \u1edf b\u1ea3n qu\u1ed1c (home country) ho\u1eb7c \u0111i du l\u1ecbch ngo\u00e0i Canada trong tr\u01b0\u1eddng h\u1ee3p ch\u00ednh ph\u1ee7 Canada \u0111\u00e3 \u0111\u01b0a ra th\u00f4ng b\u00e1o \u201ctr\u00e1nh \u0111i du l\u1ecbch c\u00e1c n\u01b0\u1edbc\u201d. \ud83c\udf41B\u1ea3o hi\u1ec3m du l\u1ecbch tr\u1ea3 l\u1ea1i ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p n\u00e0o? M\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p b\u1ea1n c\u00f3 th\u1ec3 l\u1ea5y l\u1ea1i ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng c\u00f3 th\u1ec3 k\u1ec3 \u0111\u1ebfn l\u00e0: 10 ng\u00e0y \u0111\u1ea7u sau khi mua b\u1ea3o hi\u1ec3m (do b\u1ea1n \u0111\u1ed5i \u00fd, \u0111\u1ed5i k\u1ebf ho\u1ea1ch, hay b\u1ea5t k\u1ef3 l\u00ed do n\u00e0o) Khi b\u1ea1n \u0111\u00e3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ec9nh bang cover. B\u1ea1n c\u00f3 th\u1ec3 \u0111i\u1ec1n \u0111\u01a1n \u0111\u1ec3 l\u1ea5y l\u1ea1i ph\u1ea7n ti\u1ec1n cho qu\u00e3ng th\u1eddi gian t\u01b0\u01a1ng lai m\u00e0 b\u1ea1n \u0111\u00e3 tr\u1ea3, n\u1ebfu b\u1ea1n ch\u01b0a t\u1eebng claim b\u1ea3o hi\u1ec3m l\u1ea7n n\u00e0o. V\u00ed d\u1ee5, b\u1ea1n mua BH 1 n\u0103m, sau khi b\u1ea1n \u1edf Canada 6 th\u00e1ng th\u00ec xin \u0111\u01b0\u1ee3c BH t\u1ec9nh Ontario OHIP, b\u1ea1n c\u00f3 th\u1ec3 xin l\u1ea1i kho\u1ea3ng 50% ph\u1ea7n ti\u1ec1n m\u00e0 b\u1ea1n \u0111\u00e3 \u0111\u00f3ng. Khi b\u1ea1n v\u1ec1 n\u01b0\u1edbc s\u1edbm. V\u00ed d\u1ee5 b\u1ea1n mua BH cho super visa, do y\u00eau c\u1ea7u c\u1ee7a ch\u00ednh ph\u1ee7 l\u00e0 b\u1ea1n b\u1eaft bu\u1ed9c ph\u1ea3i mua BH cover 1 n\u0103m, nh\u01b0ng b\u1ea1n ch\u1ec9 \u1edf 6 th\u00e1ng r\u1ed3i v\u1ec1, th\u00ec b\u1ea1n s\u1ebd xin l\u1ea1i 50% ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng. \ud83c\udf41N\u00ean mua b\u1ea3o hi\u1ec3m bao l\u00e2u? Mua ng\u1eafn ng\u00e0y v\u00e0 d\u00e0i ng\u00e0y c\u00f3 kh\u00e1c nhau v\u1ec1 gi\u00e1 hay kh\u00f4ng? C\u00f3 m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p b\u1ea1n kh\u00f4ng ch\u1eafc ch\u1eafn m\u00ecnh c\u1ea7n mua b\u1ea3o hi\u1ec3m trong bao l\u00e2u. V\u00ed d\u1ee5 m\u1ed9t tr\u01b0\u1eddng h\u1ee3p th\u01b0\u1eddng hay g\u1eb7p l\u00e0 du h\u1ecdc sinh sau khi t\u1ed1t nghi\u1ec7p v\u1eabn ch\u01b0a c\u00f3 vi\u1ec7c<\/p>\n","protected":false},"author":1,"featured_media":2105,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_eb_attr":"","footnotes":""},"class_list":["post-2116","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages\/2116","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=2116"}],"version-history":[{"count":0,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages\/2116\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/2105"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=2116"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}