{"id":2162,"date":"2023-07-17T18:00:05","date_gmt":"2023-07-17T13:00:05","guid":{"rendered":"https:\/\/101insurance.ca\/bao-hiem-du-lich\/"},"modified":"2023-10-04T02:28:11","modified_gmt":"2023-10-03T21:28:11","slug":"bao-hiem-du-lich","status":"publish","type":"page","link":"https:\/\/101insurance.ca\/vi\/san-pham\/bao-hiem-du-lich\/","title":{"rendered":"B\u1ea3o hi\u1ec3m du l\u1ecbch"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2162\" class=\"elementor elementor-2162 elementor-579\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bdff95b e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"bdff95b\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-189d867 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"189d867\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2f53351 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"2f53351\" 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-db278bd elementor-widget elementor-widget-heading\" data-id=\"db278bd\" 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\">B\u1ea2O HI\u1ec2M DU L\u1ecaCH<br>&amp; B\u1ea2O HI\u1ec2M CHO DU H\u1eccC SINH<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0efd6a8 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"0efd6a8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1817450 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"1817450\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-99a8951 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"99a8951\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-177bbb2 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"177bbb2\" data-element_type=\"widget\" data-settings=\"{&quot;exclude_headings_by_selector&quot;:[],&quot;sticky&quot;:&quot;top&quot;,&quot;sticky_parent&quot;:&quot;yes&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;],&quot;container&quot;:&quot;article&quot;,&quot;marker_view&quot;:&quot;numbers&quot;,&quot;no_headings_message&quot;:&quot;No headings were found on this page.&quot;,&quot;minimize_box&quot;:&quot;yes&quot;,&quot;minimized_on&quot;:&quot;tablet&quot;,&quot;hierarchical_view&quot;:&quot;yes&quot;,&quot;min_height&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;min_height_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;sticky_on&quot;:[&quot;desktop&quot;,&quot;tablet&quot;,&quot;mobile&quot;],&quot;sticky_offset&quot;:0,&quot;sticky_effects_offset&quot;:0,&quot;sticky_anchor_link_offset&quot;:0}\" data-widget_type=\"table-of-contents.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__header\">\n\t\t\t\t\t\t<h4 class=\"elementor-toc__header-title\">\n\t\t\t\tM\u1ee5c l\u1ee5c\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--expand\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__177bbb2\" aria-expanded=\"true\" aria-label=\"Open table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/div>\n\t\t\t\t<div class=\"elementor-toc__toggle-button elementor-toc__toggle-button--collapse\" role=\"button\" tabindex=\"0\" aria-controls=\"elementor-toc__177bbb2\" aria-expanded=\"true\" aria-label=\"Close table of contents\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<div id=\"elementor-toc__177bbb2\" class=\"elementor-toc__body\">\n\t\t\t<div class=\"elementor-toc__spinner-container\">\n\t\t\t\t<svg class=\"elementor-toc__spinner eicon-animation-spin e-font-icon-svg e-eicon-loading\" aria-hidden=\"true\" viewBox=\"0 0 1000 1000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M500 975V858C696 858 858 696 858 500S696 142 500 142 142 304 142 500H25C25 237 238 25 500 25S975 237 975 500 763 975 500 975Z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<article class=\"elementor-element elementor-element-6d9413c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"6d9413c\" 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-dbb0a74 elementor-widget elementor-widget-text-editor\" data-id=\"dbb0a74\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>C\u00f3 m\u1ed9t sai l\u1ea7m m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi m\u1edbi \u0111\u1ebfn Canada th\u01b0\u1eddng hay m\u1eafc ph\u1ea3i, \u0111\u00f3 l\u00e0 b\u1ea3o hi\u1ec3m du l\u1ecbch ch\u1ec9 d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi \u0111i du l\u1ecbch. H\u1ecd qu\u00ean m\u1ea5t r\u1eb1ng khi b\u01b0\u1edbc ch\u00e2n v\u00e0o Canada d\u00f9 d\u01b0\u1edbi b\u1ea5t k\u1ef3 th\u00e2n ph\u1eadn ph\u00e1p l\u00fd n\u00e0o, th\u00ec ch\u00fang ta c\u0169ng c\u1ea7n b\u1ea3o hi\u1ec3m. V\u00ec chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh v\u00e0 n\u1eb1m vi\u1ec7n t\u1ea1i Canada l\u00e0 v\u00f4 c\u00f9ng m\u1eafc. Do v\u1eady, d\u00f9 l\u00e0 ng\u01b0\u1eddi du l\u1ecbch, du h\u1ecdc sinh, hay ng\u01b0\u1eddi m\u1edbi nh\u1eadp c\u01b0\u2026 b\u01b0\u1edbc ch\u00e2n v\u00e0o Canada m\u00e0 v\u1eabn ch\u01b0a c\u00f3 b\u1ea3o hi\u1ec3m n\u00e0o trong tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh n\u1ea1n th\u00ec v\u1eabn c\u1ea7n mua ngay cho m\u00ecnh b\u1ea3o hi\u1ec3m du l\u1ecbch t\u1ea1m th\u1eddi. Tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m, b\u1ea1n h\u00e3y t\u00ecm hi\u1ec3u qua nh\u1eefng ki\u00ean th\u1ee9c c\u0103n b\u1ea3n c\u1ea7n bi\u1ebft v\u1ec1 b\u1ea3o hi\u1ec3m du l\u1ecbch nh\u00e9.<\/p><p><iframe title=\"YouTube video player\" src=\"https:\/\/www.youtube.com\/embed\/r2_mrcVZja8?si=PZILNYYvvSiDUaSA\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p><p>\u00a0<\/p><h2><strong>Chi ph\u00ed chi tr\u1ea3 cho b\u1ec7nh vi\u1ec7n t\u1ea1i Canada l\u00e0 bao nhi\u00eau?<\/strong><\/h2><p>Chi ph\u00ed chi tr\u1ea3 cho m\u1ed9t l\u1ea7n n\u1eb1m vi\u1ec7n giao \u0111\u1ed9ng r\u1ea5t r\u1ed9ng, c\u00f3 th\u1ec3 t\u1eeb v\u00e0i ng\u00e0n cho t\u1edbi v\u00e0i ch\u1ee5c ng\u00e0n hay c\u1ea3 tr\u0103m ng\u00e0n t\u00f9y thu\u1ed9c v\u00e0o t\u00ecnh tr\u1ea1ng b\u1ec7nh. Tuy nhi\u00ean, \u0111\u1ec3 c\u00e1c b\u1ea1n d\u1ec5 h\u00ecnh dung h\u01a1n chi ph\u00ed chu\u1ea9n khi n\u1eb1m vi\u1ec7n, m\u00ecnh m\u01b0\u1ee3n th\u00f4ng tin sau t\u1eeb Canadian Institute for Health Information. \u0110\u00e2y l\u00e0 chi ph\u00ed trung b\u00ecnh m\u1ed9t l\u1ea7n n\u1eb1m vi\u1ec7n c\u1ee7a t\u1eebng t\u1ec9nh bang, chi ph\u00ed n\u00e0y ch\u01b0a bao g\u1ed3m chi ph\u00ed thu\u1ed1c men, ph\u1eabu thu\u1eadt, c\u00e1c chi ph\u00ed ph\u00e1t sinh kh\u00e1c\u2026<\/p><figure id=\"attachment_558\" aria-describedby=\"caption-attachment-558\" style=\"width: 500px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" src=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/07\/Travel-Insurance.jpg\" alt=\"Average hospitalization costs in Canadian provinces\" width=\"500\" height=\"258\" \/><figcaption id=\"caption-attachment-558\" class=\"wp-caption-text\">Chi ph\u00ed n\u1eb1m vi\u1ec7n trung b\u00ecnh t\u1ea1i c\u00e1c t\u1ec9nh bang \u1edf Canada<\/figcaption><\/figure><h2><strong>Nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0o c\u1ea7n b\u1ea3o hi\u1ec3m t\u1ea1i Canada?<\/strong><\/h2><p>T\u1ea4T C\u1ea2!!! V\u00c2NG! T\u1ea4T C\u1ea2 M\u1eccI NG\u01af\u1edcI NH\u00c9! \u1ede Canada c\u00f3 r\u1ea5t nhi\u1ec1u lo\u1ea1i b\u1ea3o hi\u1ec3m, trong s\u1ed1 \u0111\u00f3 b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n nh\u1ea5t m\u00e0 h\u1ea7u h\u1ebft nh\u1eefng ng\u01b0\u1eddi \u0111ang s\u1ed1ng t\u1ea1i Canada \u0111\u1ec1u c\u00f3 l\u00e0 BH c\u1ee7a t\u1ec9nh bang. V\u00ed d\u1ee5 nh\u01b0 \u1edf Ontario th\u00ec c\u00f3 b\u1ea3o hi\u1ec3m OHIP. Tuy nhi\u00ean, \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u1edf t\u1ec9nh bang th\u00ec c\u1ea7n m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n nh\u1ea5t \u0111\u1ecbnh, m\u00ecnh s\u1ebd vi\u1ebft 1 b\u00e0i vi\u1ebft kh\u00e1c v\u1ec1 BH t\u1ec9nh bang. C\u00f2n v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ch\u01b0a c\u00f3 BH t\u1ec9nh bang, khi c\u00e1c b\u1ea1n b\u01b0\u1edbc ch\u00e2n v\u00e0o Canada c\u1ea7n ph\u1ea3i mua BH cho du l\u1ecbch ho\u1eb7c cho du h\u1ecdc sinh.<\/p><p>C\u1ee5 th\u1ec3 h\u01a1n, nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u1ea7n mua BH du l\u1ecbch\/ BH cho du h\u1ecdc sinh s\u1ebd r\u01a1i v\u00e0o nh\u1eefng tr\u01b0\u1eddng h\u1ee3p sau:<\/p><ul><li>Du l\u1ecbch ho\u1eb7c qua th\u0103m ng\u01b0\u1eddi th\u00e2n<\/li><li>C\u00e1c b\u1ea1n du h\u1ecdc sinh qua h\u1ecdc s\u1edbm nhi\u1ec1u ng\u00e0y tr\u01b0\u1edbc k\u1ef3 nh\u1eadp h\u1ecdc<\/li><li>C\u00e1c b\u1ea1n du h\u1ecdc sinh v\u1eeba t\u1ed1t nghi\u1ec7p, h\u1ebft th\u1eddi h\u1ea1n BH c\u1ee7a tr\u01b0\u1eddng, nh\u01b0ng ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 c\u00f3 BH t\u1ec9nh bang<\/li><li>Ng\u01b0\u1eddi \u0111\u1ecbnh c\u01b0 (landed immigrant) v\u1eeba t\u1edbi Canada<\/li><li>C\u00f4ng d\u00e2n Canada quay tr\u1edf l\u1ea1i n\u01b0\u1edbc sau th\u1eddi gian d\u00e0i \u1edf n\u01b0\u1edbc ngo\u00e0i v\u00e0 \u0111ang ch\u1edd b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ec9nh bang c\u00f3 hi\u1ec7u l\u1ef1c (th\u01b0\u1eddng l\u00e0 03 th\u00e1ng).<\/li><\/ul><h2><strong>Nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 mua \u0111\u01b0\u1ee3c BH du l\u1ecbch\/ du h\u1ecdc<\/strong><\/h2><p>S\u1ef1 th\u1eadt l\u00e0 kh\u00f4ng ph\u1ea3i m\u1eb7c \u0111\u1ecbnh l\u00e0 ai c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c BH cover nh\u00e9. \u0110\u1ec3 mua \u0111\u01b0\u1ee3c BH du l\u1ecbch\/ du h\u1ecdc, c\u00e1c b\u1ea1n c\u1ea7n th\u1ecfa \u0111i\u1ec1u ki\u1ec7n:<\/p><p>\u2022 Kh\u00f4ng m\u1eafc c\u00e1c b\u1ec7nh hi\u1ec3m ngh\u00e8o<\/p><p>\u2022 Kh\u00f4ng b\u1ecb ch\u1ea9n \u0111o\u00e1n ho\u1eb7c \u0111ang ch\u1eefa tr\u1ecb ung th\u01b0 giai \u0111o\u1ea1n 3-4<\/p><p>\u2022 Kh\u00f4ng c\u1ea7n s\u1ef1 tr\u1ee3 gi\u00fap trong sinh ho\u1ea1t c\u01a1 b\u1ea3n h\u00e0ng ng\u00e0y<\/p><p>\u2022 C\u00f3 s\u1ee9c kh\u1ecfe t\u1ed1t v\u00e0 kh\u00f4ng c\u00f3 \u00fd \u0111\u1ecbnh t\u00ecm ki\u1ebfm t\u01b0 v\u1ea5n v\u1ec1 y t\u1ebf hay ch\u1eefa tr\u1ecb b\u1ec7nh trong th\u1eddi gian \u1edf Canada<\/p><h2><strong>Ph\u00ed b\u1ea3o hi\u1ec3m du l\u1ecbch\/ du h\u1ecdc t\u1ea1i Canada<\/strong><\/h2><p>Mua b\u1ea3o hi\u1ec3m du l\u1ecbch\/ du h\u1ecdc t\u1ea1i Canada t\u1ed1n bao nhi\u00eau?<\/p><p>Chi ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o nh\u1eefng y\u1ebfu t\u1ed1 ch\u00ednh nh\u01b0: c\u00f4ng ty cung c\u1ea5p b\u1ea3o hi\u1ec3m, tu\u1ed5i c\u1ee7a kh\u00e1ch h\u00e0ng, t\u1ec9nh bang m\u00e0 kh\u00e1ch t\u1edbi, t\u1ed5ng s\u1ed1 ti\u1ec1n chi tr\u1ea3 b\u1ea3o hi\u1ec3m, m\u1ee9c kh\u1ea5u tr\u1eeb (deductible)\u2026<\/p><p>\u0110\u1ec3 c\u00e1c b\u1ea1n d\u1ec5 \u01b0\u1edbc t\u00ednh chi ph\u00ed b\u1ea3o hi\u1ec3m, ch\u00fang ta c\u00f3 th\u1ec3 tham kh\u1ea3o rate hi\u1ec7n t\u1ea1i c\u1ee7a c\u00f4ng ty Allianz Global Assistance:<\/p><figure id=\"attachment_557\" aria-describedby=\"caption-attachment-557\" style=\"width: 500px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" src=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/07\/Travel-Insurance-rate.jpg\" alt=\"Insurance fees for travel from Allianz Global Assistance\" width=\"500\" height=\"436\" \/><figcaption id=\"caption-attachment-557\" class=\"wp-caption-text\">Ph\u00ed b\u1ea3o hi\u1ec3m du l\u1ecbch c\u1ee7a c\u00f4ng ty Allianz Global Assistance<\/figcaption><\/figure><p>B\u00ean tr\u00ean l\u00e0 rate cho 1 c\u00e1 nh\u00e2n \u0111i du l\u1ecbch. N\u1ebfu b\u1ea1n du l\u1ecbch ho\u1eb7c du h\u1ecdc c\u00f9ng gia \u0111\u00ecnh, th\u00ec ph\u00ed b\u1ea3o hi\u1ec3m k\u00e8m theo cho nh\u1eefng ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c s\u1ebd r\u1ebb h\u01a1n. Ngo\u00e0i ra ph\u00ed BH cho du h\u1ecdc sinh c\u0169ng s\u1ebd r\u1ebb h\u01a1n BH du l\u1ecbch r\u1ea5t nhi\u1ec1u.<\/p><h2><strong>Tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/strong><\/h2><p><strong>B\u1ea3o hi\u1ec3m du l\u1ecbch\/ du h\u1ecdc s\u1ebd b\u1ea3o hi\u1ec3m nh\u1eefng g\u00ec?<\/strong><\/p><p>Ph\u1ea7n n\u00e0y m\u00ecnh s\u1ebd kh\u00f4ng th\u1ec3 vi\u1ebft ra t\u1ea5t t\u1ea7n t\u1eadt, v\u00ec m\u1ed9t c\u00e1i policy wording (ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m) r\u1ea5t d\u00e0i, c\u00f3 th\u1ec3 l\u00ean t\u1edbi 10 m\u1ea5y trang, n\u00ean m\u00ecnh ch\u1ec9 t\u00f3m t\u1eaft nh\u1eefng tr\u01b0\u1eddng quan tr\u1ecdng nh\u1ea5t \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3:<\/p><ul><li>C\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p: bao g\u1ed3m chi ph\u00ed n\u1eb1m vi\u1ec7n, chi ph\u00ed thu\u1ed1c men, ch\u1eefa tr\u1ecb chuy\u00ean khoa, chi ph\u00ed di chuy\u1ec3n\u2026 cho c\u00e1c b\u1ec7nh ho\u1eb7c ch\u1ea5n th\u01b0\u01a1ng mang t\u00ednh kh\u1ea9n c\u1ea5p.<\/li><li>Chi ph\u00ed r\u0103ng mi\u1ec7ng mang t\u00ednh kh\u1ea9n c\u1ea5p ho\u1eb7c do tai n\u1ea1n<\/li><li>M\u1ed9t s\u1ed1 chi ph\u00ed ph\u00e1t sinh do c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p m\u00e0 c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 qu\u00ean r\u1eb1ng m\u00ecnh \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m: chi ph\u00ed cho ng\u01b0\u1eddi nh\u00e0 bay \u0111\u1ebfn Canada \u0111\u1ec3 h\u1ed7 tr\u1ee3 ch\u0103m s\u00f3c, chi ph\u00ed v\u1eadn chuy\u1ec3n ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u1ec1 n\u01b0\u1edbc ch\u1eefa tr\u1ecb, ti\u1ec1n \u0103n \u1edf, taxi, \u0111i\u1ec7n tho\u1ea1i\u2026 ph\u00e1t sinh c\u1ee7a c\u1ea3 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi nh\u00e0 t\u1edbi ch\u0103m s\u00f3c trong qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb.<\/li><li>B\u1ed3i th\u01b0\u1eddng ti\u1ec1n trong tr\u01b0\u1eddng h\u1ee3p m\u1ea5t \u0111i nh\u00e2n m\u1ea1ng ho\u1eb7c m\u1ea5t \u0111i m\u1ed9t b\u1ed9 ph\u1eadn tr\u00ean c\u01a1 th\u1ec3, ho\u1eb7c th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n.<\/li><\/ul><p>L\u01b0u \u00fd, khi mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, n\u1ebfu b\u1ea1n t\u1ed1t ti\u1ebfng anh th\u00ec n\u00ean xem qua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m (policy wording) \u0111\u1ec3 bi\u1ebft t\u1ea5t t\u1ea7n t\u1eadn nh\u1eefng chi ph\u00ed m\u00ecnh \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n k\u00e8m theo, \u0111\u1ec3 sau n\u00e0y tr\u00e1nh nh\u1eefng hi\u1ec3u l\u1ea7m kh\u00f4ng mong mu\u1ed1n.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-af6b1ab e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"af6b1ab\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-196b253 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"196b253\" 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-c7cb98e elementor-widget elementor-widget-heading\" data-id=\"c7cb98e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Nh\u1eadn b\u00e1o gi\u00e1 b\u1ea3o hi\u1ec3m t\u1ea1i \u0111\u00e2y<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6de8956 elementor-widget elementor-widget-button\" data-id=\"6de8956\" 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-bfb8829 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"bfb8829\" 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-1985727 elementor-widget elementor-widget-heading\" data-id=\"1985727\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p - B\u1ea3o hi\u1ec3m du l\u1ecbch<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d877f9 elementor-widget elementor-widget-accordion\" data-id=\"6d877f9\" 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-1141\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1141\" 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-1141\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1141\"><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-1142\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1142\" 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-1142\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1142\"><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-1143\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1143\" 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-1143\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1143\"><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-1144\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1144\" 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-1144\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1144\"><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-1145\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-1145\" 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-1145\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-1145\"><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-1146\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-1146\" 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-1146\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-1146\"><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-1147\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-1147\" 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-1147\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-1147\"><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 class=\"elementor-element elementor-element-d756494 elementor-widget elementor-widget-heading\" data-id=\"d756494\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">N\u1ebfu v\u1eabn c\u00f2n nh\u1eefng th\u1eafc m\u1eafc kh\u00e1c, vui l\u00f2ng li\u00ean h\u1ec7 ch\u00fang t\u00f4i \u0111\u1ec3 c\u00f3 nh\u1eefng t\u01b0 v\u1ea5n c\u1ee5 th\u1ec3 h\u01a1n.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>B\u1ea2O HI\u1ec2M DU L\u1ecaCH &amp; B\u1ea2O HI\u1ec2M CHO DU H\u1eccC SINH M\u1ee5c l\u1ee5c C\u00f3 m\u1ed9t sai l\u1ea7m m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi m\u1edbi \u0111\u1ebfn Canada th\u01b0\u1eddng hay m\u1eafc ph\u1ea3i, \u0111\u00f3 l\u00e0 b\u1ea3o hi\u1ec3m du l\u1ecbch ch\u1ec9 d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi \u0111i du l\u1ecbch. H\u1ecd qu\u00ean m\u1ea5t r\u1eb1ng khi b\u01b0\u1edbc ch\u00e2n v\u00e0o Canada d\u00f9 d\u01b0\u1edbi b\u1ea5t k\u1ef3 th\u00e2n ph\u1eadn ph\u00e1p l\u00fd n\u00e0o, th\u00ec ch\u00fang ta c\u0169ng c\u1ea7n b\u1ea3o hi\u1ec3m. V\u00ec chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh v\u00e0 n\u1eb1m vi\u1ec7n t\u1ea1i Canada l\u00e0 v\u00f4 c\u00f9ng m\u1eafc. Do v\u1eady, d\u00f9 l\u00e0 ng\u01b0\u1eddi du l\u1ecbch, du h\u1ecdc sinh, hay ng\u01b0\u1eddi m\u1edbi nh\u1eadp c\u01b0\u2026 b\u01b0\u1edbc ch\u00e2n v\u00e0o Canada m\u00e0 v\u1eabn ch\u01b0a c\u00f3 b\u1ea3o hi\u1ec3m n\u00e0o trong tr\u01b0\u1eddng h\u1ee3p b\u1ec7nh n\u1ea1n th\u00ec v\u1eabn c\u1ea7n mua ngay cho m\u00ecnh b\u1ea3o hi\u1ec3m du l\u1ecbch t\u1ea1m th\u1eddi. Tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m, b\u1ea1n h\u00e3y t\u00ecm hi\u1ec3u qua nh\u1eefng ki\u00ean th\u1ee9c c\u0103n b\u1ea3n c\u1ea7n bi\u1ebft v\u1ec1 b\u1ea3o hi\u1ec3m du l\u1ecbch nh\u00e9. Chi ph\u00ed chi tr\u1ea3 cho b\u1ec7nh vi\u1ec7n t\u1ea1i Canada l\u00e0 bao nhi\u00eau? Chi ph\u00ed chi tr\u1ea3 cho m\u1ed9t l\u1ea7n n\u1eb1m vi\u1ec7n giao \u0111\u1ed9ng r\u1ea5t r\u1ed9ng, c\u00f3 th\u1ec3 t\u1eeb v\u00e0i ng\u00e0n cho t\u1edbi v\u00e0i ch\u1ee5c ng\u00e0n hay c\u1ea3 tr\u0103m ng\u00e0n t\u00f9y thu\u1ed9c v\u00e0o t\u00ecnh tr\u1ea1ng b\u1ec7nh. Tuy nhi\u00ean, \u0111\u1ec3 c\u00e1c b\u1ea1n d\u1ec5 h\u00ecnh dung h\u01a1n chi ph\u00ed chu\u1ea9n khi n\u1eb1m vi\u1ec7n, m\u00ecnh m\u01b0\u1ee3n th\u00f4ng tin sau t\u1eeb Canadian Institute for Health Information. \u0110\u00e2y l\u00e0 chi ph\u00ed trung b\u00ecnh m\u1ed9t l\u1ea7n n\u1eb1m vi\u1ec7n c\u1ee7a t\u1eebng t\u1ec9nh bang, chi ph\u00ed n\u00e0y ch\u01b0a bao g\u1ed3m chi ph\u00ed thu\u1ed1c men, ph\u1eabu thu\u1eadt, c\u00e1c chi ph\u00ed ph\u00e1t sinh kh\u00e1c\u2026 Nh\u1eefng \u0111\u1ed1i t\u01b0\u1ee3ng n\u00e0o c\u1ea7n b\u1ea3o hi\u1ec3m t\u1ea1i Canada? T\u1ea4T C\u1ea2!!! V\u00c2NG! T\u1ea4T C\u1ea2 M\u1eccI NG\u01af\u1edcI NH\u00c9! \u1ede Canada c\u00f3 r\u1ea5t nhi\u1ec1u lo\u1ea1i b\u1ea3o hi\u1ec3m, trong s\u1ed1 \u0111\u00f3 b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n nh\u1ea5t m\u00e0 h\u1ea7u h\u1ebft nh\u1eefng ng\u01b0\u1eddi \u0111ang s\u1ed1ng t\u1ea1i Canada \u0111\u1ec1u c\u00f3 l\u00e0 BH c\u1ee7a t\u1ec9nh bang. V\u00ed d\u1ee5 nh\u01b0 \u1edf Ontario th\u00ec c\u00f3 b\u1ea3o hi\u1ec3m OHIP. Tuy nhi\u00ean, \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u1edf t\u1ec9nh bang th\u00ec c\u1ea7n m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n nh\u1ea5t \u0111\u1ecbnh, m\u00ecnh s\u1ebd vi\u1ebft 1 b\u00e0i vi\u1ebft kh\u00e1c v\u1ec1 BH t\u1ec9nh bang. C\u00f2n v\u1edbi t\u1ea5t c\u1ea3 c\u00e1c tr\u01b0\u1eddng h\u1ee3p ch\u01b0a c\u00f3 BH t\u1ec9nh bang, khi c\u00e1c b\u1ea1n b\u01b0\u1edbc ch\u00e2n v\u00e0o Canada c\u1ea7n ph\u1ea3i mua BH cho du l\u1ecbch ho\u1eb7c cho du h\u1ecdc sinh. C\u1ee5 th\u1ec3 h\u01a1n, nh\u1eefng tr\u01b0\u1eddng h\u1ee3p c\u1ea7n mua BH du l\u1ecbch\/ BH cho du h\u1ecdc sinh s\u1ebd r\u01a1i v\u00e0o nh\u1eefng tr\u01b0\u1eddng h\u1ee3p sau: Du l\u1ecbch ho\u1eb7c qua th\u0103m ng\u01b0\u1eddi th\u00e2n C\u00e1c b\u1ea1n du h\u1ecdc sinh qua h\u1ecdc s\u1edbm nhi\u1ec1u ng\u00e0y tr\u01b0\u1edbc k\u1ef3 nh\u1eadp h\u1ecdc C\u00e1c b\u1ea1n du h\u1ecdc sinh v\u1eeba t\u1ed1t nghi\u1ec7p, h\u1ebft th\u1eddi h\u1ea1n BH c\u1ee7a tr\u01b0\u1eddng, nh\u01b0ng ch\u01b0a \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 c\u00f3 BH t\u1ec9nh bang Ng\u01b0\u1eddi \u0111\u1ecbnh c\u01b0 (landed immigrant) v\u1eeba t\u1edbi Canada C\u00f4ng d\u00e2n Canada quay tr\u1edf l\u1ea1i n\u01b0\u1edbc sau th\u1eddi gian d\u00e0i \u1edf n\u01b0\u1edbc ngo\u00e0i v\u00e0 \u0111ang ch\u1edd b\u1ea3o hi\u1ec3m c\u1ee7a t\u1ec9nh bang c\u00f3 hi\u1ec7u l\u1ef1c (th\u01b0\u1eddng l\u00e0 03 th\u00e1ng). Nh\u1eefng \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 mua \u0111\u01b0\u1ee3c BH du l\u1ecbch\/ du h\u1ecdc S\u1ef1 th\u1eadt l\u00e0 kh\u00f4ng ph\u1ea3i m\u1eb7c \u0111\u1ecbnh l\u00e0 ai c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c BH cover nh\u00e9. \u0110\u1ec3 mua \u0111\u01b0\u1ee3c BH du l\u1ecbch\/ du h\u1ecdc, c\u00e1c b\u1ea1n c\u1ea7n th\u1ecfa \u0111i\u1ec1u ki\u1ec7n: \u2022 Kh\u00f4ng m\u1eafc c\u00e1c b\u1ec7nh hi\u1ec3m ngh\u00e8o \u2022 Kh\u00f4ng b\u1ecb ch\u1ea9n \u0111o\u00e1n ho\u1eb7c \u0111ang ch\u1eefa tr\u1ecb ung th\u01b0 giai \u0111o\u1ea1n 3-4 \u2022 Kh\u00f4ng c\u1ea7n s\u1ef1 tr\u1ee3 gi\u00fap trong sinh ho\u1ea1t c\u01a1 b\u1ea3n h\u00e0ng ng\u00e0y \u2022 C\u00f3 s\u1ee9c kh\u1ecfe t\u1ed1t v\u00e0 kh\u00f4ng c\u00f3 \u00fd \u0111\u1ecbnh t\u00ecm ki\u1ebfm t\u01b0 v\u1ea5n v\u1ec1 y t\u1ebf hay ch\u1eefa tr\u1ecb b\u1ec7nh trong th\u1eddi gian \u1edf Canada Ph\u00ed b\u1ea3o hi\u1ec3m du l\u1ecbch\/ du h\u1ecdc t\u1ea1i Canada Mua b\u1ea3o hi\u1ec3m du l\u1ecbch\/ du h\u1ecdc t\u1ea1i Canada t\u1ed1n bao nhi\u00eau? Chi ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd t\u00f9y thu\u1ed9c v\u00e0o nh\u1eefng y\u1ebfu t\u1ed1 ch\u00ednh nh\u01b0: c\u00f4ng ty cung c\u1ea5p b\u1ea3o hi\u1ec3m, tu\u1ed5i c\u1ee7a kh\u00e1ch h\u00e0ng, t\u1ec9nh bang m\u00e0 kh\u00e1ch t\u1edbi, t\u1ed5ng s\u1ed1 ti\u1ec1n chi tr\u1ea3 b\u1ea3o hi\u1ec3m, m\u1ee9c kh\u1ea5u tr\u1eeb (deductible)\u2026 \u0110\u1ec3 c\u00e1c b\u1ea1n d\u1ec5 \u01b0\u1edbc t\u00ednh chi ph\u00ed b\u1ea3o hi\u1ec3m, ch\u00fang ta c\u00f3 th\u1ec3 tham kh\u1ea3o rate hi\u1ec7n t\u1ea1i c\u1ee7a c\u00f4ng ty Allianz Global Assistance: B\u00ean tr\u00ean l\u00e0 rate cho 1 c\u00e1 nh\u00e2n \u0111i du l\u1ecbch. N\u1ebfu b\u1ea1n du l\u1ecbch ho\u1eb7c du h\u1ecdc c\u00f9ng gia \u0111\u00ecnh, th\u00ec ph\u00ed b\u1ea3o hi\u1ec3m k\u00e8m theo cho nh\u1eefng ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c s\u1ebd r\u1ebb h\u01a1n. Ngo\u00e0i ra ph\u00ed BH cho du h\u1ecdc sinh c\u0169ng s\u1ebd r\u1ebb h\u01a1n BH du l\u1ecbch r\u1ea5t nhi\u1ec1u. Tr\u01b0\u1eddng h\u1ee3p \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m B\u1ea3o hi\u1ec3m du l\u1ecbch\/ du h\u1ecdc s\u1ebd b\u1ea3o hi\u1ec3m nh\u1eefng g\u00ec? Ph\u1ea7n n\u00e0y m\u00ecnh s\u1ebd kh\u00f4ng th\u1ec3 vi\u1ebft ra t\u1ea5t t\u1ea7n t\u1eadt, v\u00ec m\u1ed9t c\u00e1i policy wording (ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m) r\u1ea5t d\u00e0i, c\u00f3 th\u1ec3 l\u00ean t\u1edbi 10 m\u1ea5y trang, n\u00ean m\u00ecnh ch\u1ec9 t\u00f3m t\u1eaft nh\u1eefng tr\u01b0\u1eddng quan tr\u1ecdng nh\u1ea5t \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3: C\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p: bao g\u1ed3m chi ph\u00ed n\u1eb1m vi\u1ec7n, chi ph\u00ed thu\u1ed1c men, ch\u1eefa tr\u1ecb chuy\u00ean khoa, chi ph\u00ed di chuy\u1ec3n\u2026 cho c\u00e1c b\u1ec7nh ho\u1eb7c ch\u1ea5n th\u01b0\u01a1ng mang t\u00ednh kh\u1ea9n c\u1ea5p. Chi ph\u00ed r\u0103ng mi\u1ec7ng mang t\u00ednh kh\u1ea9n c\u1ea5p ho\u1eb7c do tai n\u1ea1n M\u1ed9t s\u1ed1 chi ph\u00ed ph\u00e1t sinh do c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u1ea9n c\u1ea5p m\u00e0 c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 qu\u00ean r\u1eb1ng m\u00ecnh \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m: chi ph\u00ed cho ng\u01b0\u1eddi nh\u00e0 bay \u0111\u1ebfn Canada \u0111\u1ec3 h\u1ed7 tr\u1ee3 ch\u0103m s\u00f3c, chi ph\u00ed v\u1eadn chuy\u1ec3n ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u1ec1 n\u01b0\u1edbc ch\u1eefa tr\u1ecb, ti\u1ec1n \u0103n \u1edf, taxi, \u0111i\u1ec7n tho\u1ea1i\u2026 ph\u00e1t sinh c\u1ee7a c\u1ea3 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 ng\u01b0\u1eddi nh\u00e0 t\u1edbi ch\u0103m s\u00f3c trong qu\u00e1 tr\u00ecnh \u0111i\u1ec1u tr\u1ecb. B\u1ed3i th\u01b0\u1eddng ti\u1ec1n trong tr\u01b0\u1eddng h\u1ee3p m\u1ea5t \u0111i nh\u00e2n m\u1ea1ng ho\u1eb7c m\u1ea5t \u0111i m\u1ed9t b\u1ed9 ph\u1eadn tr\u00ean c\u01a1 th\u1ec3, ho\u1eb7c th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n. L\u01b0u \u00fd, khi mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, n\u1ebfu b\u1ea1n t\u1ed1t ti\u1ebfng anh th\u00ec n\u00ean xem qua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m (policy wording) \u0111\u1ec3 bi\u1ebft t\u1ea5t t\u1ea7n t\u1eadn nh\u1eefng chi ph\u00ed m\u00ecnh \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n k\u00e8m theo, \u0111\u1ec3 sau n\u00e0y tr\u00e1nh nh\u1eefng hi\u1ec3u l\u1ea7m kh\u00f4ng mong mu\u1ed1n. Nh\u1eadn b\u00e1o gi\u00e1 b\u1ea3o hi\u1ec3m t\u1ea1i \u0111\u00e2y nh\u1eadn b\u00e1o gi\u00e1 C\u00e1c c\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p &#8211; B\u1ea3o hi\u1ec3m du l\u1ecbch \ud83c\udf41C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m du l\u1ecbch t\u1ea1i Vi\u1ec7t<\/p>\n","protected":false},"author":1,"featured_media":2029,"parent":2185,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_eb_attr":"","footnotes":""},"class_list":["post-2162","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages\/2162","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=2162"}],"version-history":[{"count":0,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages\/2162\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages\/2185"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/2029"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=2162"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}