{"id":2203,"date":"2023-07-17T15:15:46","date_gmt":"2023-07-17T10:15:46","guid":{"rendered":"https:\/\/101insurance.ca\/san-pham\/bao-hiem-nhan-tho-vinh-vien\/"},"modified":"2023-09-15T21:24:09","modified_gmt":"2023-09-15T16:24:09","slug":"bao-hiem-nhan-tho-vinh-vien","status":"publish","type":"page","link":"https:\/\/101insurance.ca\/vi\/san-pham\/bao-hiem-nhan-tho-vinh-vien\/","title":{"rendered":"B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2203\" class=\"elementor elementor-2203 elementor-455\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c2707c e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"8c2707c\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-317f535 e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"317f535\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-5b4b89c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"5b4b89c\" 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-c137615 elementor-widget elementor-widget-heading\" data-id=\"c137615\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd V\u0129nh vi\u1ec5n<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a096ca7 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"a096ca7\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a5149eb e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"a5149eb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7d5d02f e-con-full e-flex wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"7d5d02f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1243919 elementor-toc--minimized-on-tablet elementor-widget elementor-widget-table-of-contents\" data-id=\"1243919\" 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;container&quot;:&quot;article&quot;,&quot;headings_by_tags&quot;:[&quot;h2&quot;,&quot;h3&quot;,&quot;h4&quot;,&quot;h5&quot;,&quot;h6&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__1243919\" 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__1243919\" 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__1243919\" 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-5184d87 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"5184d87\" 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-a95b29d elementor-widget elementor-widget-text-editor\" data-id=\"a95b29d\" 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>\u1ede Canada, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c chia th\u00e0nh hai lo\u1ea1i ch\u00ednh: b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n (th\u1ec9nh tho\u1ea3ng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tr\u1ecdn \u0111\u1eddi, nh\u01b0ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tr\u1ecdn \u0111\u1eddi ch\u1ec9 l\u00e0 m\u1ed9t trong nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m v\u0129nh vi\u1ec5n). Xem trang c\u1ee7a ch\u00fang t\u00f4i v\u1ec1 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ec3 bi\u1ebft th\u00eam v\u1ec1 nhi\u1ec1u lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd kh\u00e1c.<\/p><h2><strong>B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd V\u0129nh vi\u1ec5n l\u00e0 g\u00ec?<\/strong><\/h2><p>B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd V\u0129nh vi\u1ec5n (Permanent Life Insurance) s\u1ebd b\u1ea3o hi\u1ec3m b\u1ea1n trong su\u1ed1t cu\u1ed9c \u0111\u1eddi. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a b\u1ea1n s\u1ebd kh\u00f4ng bao gi\u1edd h\u1ebft h\u1ea1n hay k\u1ebft th\u00fac (kh\u00e1c v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ef3 h\u1ea1n).<\/p><p>Ng\u01b0\u1eddi Canada hi\u1ec7n nay c\u00f3 kh\u00e1 nhi\u1ec1u lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n \u0111\u1ec3 l\u1ef1a ch\u1ecdn. Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, ba lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n \u0111ang \u0111\u01b0\u1ee3c cung c\u1ea5p t\u1ea1i th\u1ecb \u00a0tr\u01b0\u1eddng Canada l\u00e0:<\/p><ul><li>B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Tr\u1ecdn \u0111\u1eddi \u2013 Whole Life Insurance (Li\u00ean k\u1ebft)<\/li><li>B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd \u0111\u1ebfn 100 tu\u1ed5i \u2013 Term to 100 Life Insurance (Li\u00ean k\u1ebft)<\/li><li>B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung \u2013 Universal Life Insurance (Li\u00ean k\u1ebft)<\/li><\/ul><h2><strong>C\u01a1 ch\u1ebf ho\u1ea1t \u0111\u1ed9ng c\u1ee7a B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd V\u0129nh vi\u1ec5n<\/strong><\/h2><p>Khi b\u1ea1n gi\u00e0 \u0111i, chi ph\u00ed c\u01a1 b\u1ea3n c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ec1u t\u0103ng l\u00ean. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ef3 h\u1ea1n (Term Life) c\u00e2n \u0111\u1ed1i chi ph\u00ed n\u00e0y b\u1eb1ng c\u00e1ch chia \u0111\u1ec1u c\u00e1c kho\u1ea3n chi ph\u00ed n\u00e0y ra theo\u00a0 m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 &#8220;k\u1ef3 h\u1ea1n&#8221;.<\/p><p>Nh\u01b0ng \u0111i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra n\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd chia trung b\u00ecnh chi ph\u00ed n\u00e0y ra m\u1ed9t kho\u1ea3ng th\u1eddi gian d\u00e0i h\u01a1n n\u1eefa? H\u00e3y t\u01b0\u1edfng t\u01b0\u1ee3ng r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd chia \u0111\u1ec1u chi ph\u00ed b\u1ea3o hi\u1ec3m ra kho\u1ea3ng th\u1eddi gian k\u00e9o d\u00e0i su\u1ed1t cu\u1ed9c \u0111\u1eddi b\u1ea1n. N\u1ebfu h\u1ecd l\u00e0m nh\u01b0 v\u1eady, ch\u00fang ta s\u1ebd tr\u1ea3 m\u1ed9t m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ed5i trong su\u1ed1t cu\u1ed9c \u0111\u1eddi. \u0110\u00f3 l\u00e0 \u0111\u1ecbnh ngh\u0129a c\u01a1 b\u1ea3n c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n: m\u1ed9t kho\u1ea3n ti\u1ec1n ph\u00ed c\u1ed1 \u0111\u1ecbnh su\u1ed1t \u0111\u1eddi.<\/p><p>Nh\u01b0 \u0111\u00e3 n\u00eau tr\u01b0\u1edbc \u0111\u00f3, c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf kh\u00e1c nhau \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c nhu c\u1ea7u kh\u00e1c nhau c\u1ee7a kh\u00e1ch h\u00e0ng. N\u1ebfu b\u1ea1n \u0111ang c\u00e2n nh\u1eafc vi\u1ec7c mua m\u1ed9t b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n, ch\u00fang t\u00f4i khuy\u00ean b\u1ea1n n\u00ean trao \u0111\u1ed5i tr\u1ef1c ti\u1ebfp v\u1edbi chuy\u00ean vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 m\u1ed9t cam k\u1ebft t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n, c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t v\u00e0 c\u00e2n nh\u1eafc th\u1eadt c\u1ea9n th\u1eadn tr\u01b0\u1edbc khi mua.<\/p><p>T\u1ed5ng k\u1ebft l\u1ea1i, trong khi ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ef3 h\u1ea1n t\u0103ng l\u00ean sau m\u1ed9t giai \u0111o\u1ea1n, th\u00ec ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n duy tr\u00ec \u1ed5n \u0111\u1ecbnh trong su\u1ed1t cu\u1ed9c \u0111\u1eddi.<\/p><h3><strong>B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Tr\u1ecdn \u0111\u1eddi<\/strong><\/h3><p>B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Tr\u1ecdn \u0111\u1eddi (Whole Life Insurance) l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n k\u00e9o d\u00e0i su\u1ed1t \u0111\u1eddi (kh\u00f4ng bao gi\u1edd h\u1ebft h\u1ea1n). N\u00f3 c\u00f3 hai \u0111\u1eb7c \u0111i\u1ec3m ch\u00ednh: ph\u1ea7n \u0111\u1ec1n b\u00f9 khi qua \u0111\u1eddi (Death benefit) v\u00e0 gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t (Cash value). Ph\u1ea7n ti\u1ec1n \u0111\u1ec1n b\u00f9 l\u00e0 do ch\u1ee7 h\u1ee3p \u0111\u1ed3ng l\u1ef1a ch\u1ecdn (v\u00ed d\u1ee5: $100.000). \u0110\u00e2y l\u00e0 s\u1ed1 ti\u1ec1n m\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng \u0111\u01b0\u1ee3c nh\u1eadn m\u1ed9t l\u1ea7n v\u00e0 mi\u1ec5n thu\u1ebf ho\u00e0n to\u00e0n trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n qua \u0111\u1eddi. Gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t khi b\u1eaft \u0111\u1ea7u h\u1ee3p \u0111\u1ed3ng l\u00e0 $0. Ph\u1ea7n \u0111\u1ec1n b\u00f9 khi m\u1ea5t v\u00e0 gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t s\u1ebd t\u0103ng theo th\u1eddi gian khi b\u1ea1n \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u1ec1u \u0111\u1eb7n (\u0111\u1ed1i v\u1edbi h\u1ea7u h\u1ebft c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng).<\/p><p>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tr\u1ecdn \u0111\u1eddi c\u0169ng chia ra l\u00e0m 2 lo\u1ea1i ch\u00ednh l\u00e0 participating v\u00e0 non-participating. V\u1edbi lo\u1ea1i participating, b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 y\u1ebfu t\u1ed1 \u0111\u1ea7u t\u01b0 do h\u1ee3p \u0111\u1ed3ng s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn c\u1ed5 t\u1ee9c (dividend) c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00f9y v\u00e0o k\u1ebft qu\u1ea3 \u0111\u1ea7u t\u01b0 kinh doanh c\u1ee7a c\u00f4ng ty. Ng\u01b0\u1ee3c l\u1ea1i, lo\u1ea1i b\u1ea3o hi\u1ec3m non-participating m\u1eb7c d\u00f9 kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn dividend nh\u01b0ng ph\u1ea7n gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t s\u1ebd \u0111\u01b0\u1ee3c cam k\u1ebft cao h\u01a1n. Xin vui l\u00f2ng xem th\u00eam b\u00e0i vi\u1ebft ph\u00e2n t\u00edch so s\u00e1nh m\u1eb7t l\u1ee3i-h\u1ea1i c\u1ee7a hai lo\u1ea1i n\u00e0y t\u1ea1i \u0111\u00e2y. (ch\u00e8n link)<\/p><h3><strong>B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung<\/strong><\/h3><p>B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m thu\u1ed9c lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n. \u1ede lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y, ph\u1ea7n b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea7n chi ph\u00ed \u0111\u01b0\u1ee3c t\u00e1ch bi\u1ec7t v\u1edbi ph\u1ea7n \u0111\u1ea7u t\u01b0. Hai ph\u1ea7n n\u00e0y c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c t\u00e1ch b\u1ea1ch r\u1ea5t r\u00f5 r\u00e0ng.<\/p><p>Ph\u1ea7n b\u1ea3o hi\u1ec3m h\u1ee3p \u0111\u1ed3ng th\u01b0\u1eddng c\u00f3 hai lo\u1ea1i c\u01a1 b\u1ea3n: kh\u00f4ng \u0111\u1ed5i su\u1ed1t \u0111\u1eddi v\u00e0 t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m. C\u00f2n ph\u1ea7n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd li\u00ean k\u1ebft chung s\u1ebd kh\u00e1 gi\u1ed1ng v\u1edbi qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 (mutual fund). Th\u1ef1c t\u1ebf, ch\u00fang kh\u00f4ng ph\u1ea3i l\u00e0 qu\u1ef9 t\u01b0\u01a1ng h\u1ed7, nh\u01b0ng v\u1ec1 m\u1eb7t kh\u00e1i ni\u1ec7m th\u00ec hai lo\u1ea1i n\u00e0y g\u1ea7n nh\u01b0 t\u01b0\u01a1ng \u0111\u1ed3ng. V\u00ed d\u1ee5, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn c\u00e1c lo\u1ea1i \u0111\u1ea7u t\u01b0 t\u1eeb c\u00e1c c\u00f4ng ty kh\u00e1c nhau v\u00e0 nhi\u1ec1u l\u1ef1a ch\u1ecdn s\u1ebd li\u00ean k\u1ebft tr\u1ef1c ti\u1ebfp v\u1edbi c\u00e1c qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 quen thu\u1ed9c. Ngo\u00e0i ra, b\u1ea1n c\u00f2n c\u00f3 th\u1ec3 ch\u1ecdn c\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 ph\u1ed5 bi\u1ebfn nh\u01b0 GIC, ch\u1ee9ng kho\u00e1n, tr\u00e1i phi\u1ebfu hay qu\u1ef9 ch\u1ec9 s\u1ed1 index.<\/p><p>M\u1ed9t m\u1eb7t quan tr\u1ecdng kh\u00e1c, v\u00ec ph\u1ea7n \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ea7u h\u1ebft c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m lo\u1ea1i n\u00e0y ho\u1ea1t \u0111\u1ed9ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 m\u1ed9t qu\u1ef9 t\u01b0\u01a1ng h\u1ed7. Do v\u1eady, c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0y th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o. K\u1ebft qu\u1ea3 l\u00e0, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 m\u1ed9t qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 th\u00f4ng th\u01b0\u1eddng, c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd n\u00e0y c\u00f3 th\u1ec3 l\u1ed7 ho\u1eb7c ph\u00e1 s\u1ea3n. Trong giai \u0111o\u1ea1n kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh n\u0103m 2008-2009, r\u1ea5t nhi\u1ec1u kho\u1ea3n \u0111\u1ea7u t\u01b0 trong c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd li\u00ean k\u1ebft chung \u0111\u00e3 b\u1ecb r\u1edbt t\u1eeb 30-40% chung v\u1edbi to\u00e0n b\u1ed9 th\u1ecb tr\u01b0\u1eddng. N\u1ebfu kh\u00f4ng t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c t\u00ednh n\u0103ng \u0111\u1ea7u t\u01b0 trong g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y, th\u00ec g\u00f3i b\u1ea3o hi\u1ec3m s\u1ebd kh\u00f4ng kh\u00e1c g\u00ec m\u1ea5y v\u1edbi g\u00f3i B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ebfn 100 tu\u1ed5i (Term-to-100).<\/p><p>B\u00ean c\u1ea1nh \u0111\u00f3, m\u1ed9t \u0111i\u1ec1u quan tr\u1ecdng c\u1ea7n l\u01b0u \u00fd r\u1eb1ng s\u1ed1 ti\u1ec1n ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng n\u0103m kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng b\u1eb1ng chi ph\u00ed b\u1ea3o hi\u1ec3m; vi\u1ec7c d\u00f2ng ti\u1ec1n di chuy\u1ec3n ti\u1ec1n ra v\u00e0o th\u01b0\u1eddng xuy\u00ean do c\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn s\u1ef1 ch\u00eanh l\u1ec7ch n\u00e0y. B\u1ea1n n\u00ean hi\u1ec3u th\u1eadt r\u00f5 c\u00e1ch ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 trong h\u1ee3p \u0111\u1ed3ng c\u1ee7a b\u1ea1n &#8211; ph\u1ea7n n\u00e0o \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 chi tr\u1ea3 cho b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea7n n\u00e0o \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 chi cho c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0. Nhi\u1ec1u t\u01b0 v\u1ea5n vi\u00ean b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd s\u1ebd ti\u1ebfp th\u1ecb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung v\u1edbi chi ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng n\u0103m t\u0103ng d\u1ea7n \u0111\u1ec3 thuy\u1ebft ph\u1ee5c kh\u00e1ch h\u00e0ng mua ch\u00ednh s\u00e1ch, v\u00ec ph\u00ed b\u1ea3o hi\u1ec3m ban \u0111\u1ea7u c\u00f3 v\u1ebb r\u1ea5t r\u1ebb. M\u1ed7i n\u0103m, chi ph\u00ed c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1ebd t\u0103ng d\u1ea7n l\u00ean, \u0111\u1ebfn m\u1ed9t ng\u00e0y n\u00e0o \u0111\u00f3, ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd cao t\u1edbi m\u1ee9c kh\u00f4ng th\u1ec3 ch\u1ea5p nh\u1eadn \u0111\u01b0\u1ee3c n\u1eefa, bu\u1ed9c ch\u1ee7 s\u1edf h\u1eefu h\u1ee3p \u0111\u1ed3ng ph\u1ea3i h\u1ee7y b\u1ecf h\u1ee3p \u0111\u1ed3ng. \u0110\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao b\u1ea1n n\u00ean quan t\u00e2m \u0111\u1ebfn chi ph\u00ed b\u1ea3o hi\u1ec3m trong m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd li\u00ean k\u1ebft chung.<\/p><p>C\u00f2n hai \u0111i\u1ec1u c\u1ea3nh b\u00e1o quan tr\u1ecdng n\u1eefa khi b\u1ea1n \u0111ang c\u00e2n nh\u1eafc \u0111\u1ebfn vi\u1ec7c mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung. Th\u1ee9 nh\u1ea5t, th\u1eadm ch\u00ed khi b\u1ea1n ch\u1ecdn m\u1ed9t l\u00e3i su\u1ea5t an to\u00e0n, n\u00f3 c\u0169ng c\u00f3 th\u1ec3 kh\u00f4ng ph\u1ea3n \u00e1nh ch\u00ednh x\u00e1c \u0111\u01b0\u1ee3c gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng. Gi\u1ea3 s\u1eed b\u1ea1n s\u1eed d\u1ee5ng l\u00e3i su\u1ea5t 0% &#8211; kh\u00f4ng c\u00f3 g\u00ec th\u1ea5p h\u01a1n con s\u1ed1 n\u00e0y, c\u00f3 \u0111\u00fang ch\u0103ng? Nh\u01b0 \u0111\u00e3 \u0111\u1ec1 c\u1eadp tr\u01b0\u1edbc \u0111\u00e2y, nhi\u1ec1u kho\u1ea3n \u0111\u1ea7u t\u01b0 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd li\u00ean k\u1ebft chung \u0111\u00e3 t\u1eebng l\u1ed7 t\u1eeb -20% \u0111\u1ebfn -40% trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi con s\u1ed1 &#8216;0%&#8217;! Th\u1ee9 hai, khi b\u00e0n v\u1ec1 c\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0, h\u1ea7u h\u1ebft ch\u00fang ta s\u1ebd c\u00f3 nhi\u1ec1u l\u1ee3i \u00edch h\u01a1n n\u1ebfu ch\u1ecdn c\u00e1c ph\u01b0\u01a1ng \u00e1n \u0111\u1ea7u t\u01b0 v\u00e0o RRSPs (ti\u1ebft ki\u1ec7m h\u01b0u tr\u00ed) v\u00e0 TFSAs (ti\u1ebft ki\u1ec7m mi\u1ec5n thu\u1ebf) thay v\u00ec \u0111\u1ea7u t\u01b0 trong m\u1ed9t ch\u00ednh s\u00e1ch h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung.<\/p><p>Tr\u01b0\u1edbc \u0111\u00e2y, nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 c\u00e1c c\u00f4ng ty t\u01b0\u01a1ng h\u1ed7 (mutual) \u0111\u00e3 \u0111\u01b0a ra m\u1ee9c c\u1ed5 t\u1ee9c (dividend) kh\u00f4ng cam k\u1ebft cho ch\u1ee7 s\u1edf h\u1eefu h\u1ee3p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd li\u00ean k\u1ebft chung. C\u1ed5 t\u1ee9c n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn \u0111\u1ec3 s\u1eed d\u1ee5ng trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p kh\u00e1c nhau nh\u01b0: mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m con, t\u0103ng gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t, tr\u1ea3 m\u1ed9t ph\u1ea7n ph\u00ed b\u1ea3o hi\u1ec3m.v.v&#8230; R\u1ea5t nhi\u1ec1u ch\u1ee7 h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 l\u1ef1a ch\u1ecdn ph\u01b0\u01a1ng \u00e1n dung c\u1ed5 t\u1ee9c \u0111\u1ec3 kh\u1ea5u tr\u1eeb ph\u00ed b\u1ea3o hi\u1ec3m trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung \u2013 m\u1ed9t lo\u1ea1i h\u1ee3p \u0111\u1ed3ng r\u1ea5t th\u1ecbnh h\u00e0nh trong nh\u1eefng n\u0103m 1980. Tuy nhi\u00ean, sau n\u0103m 1980, m\u1ee9c c\u1ed5 t\u1ee9c \u0111\u00e3 kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c theo nh\u1eefng d\u1ef1 \u0111o\u00e1n ban \u0111\u1ea7u. \u0110i\u1ec1u n\u00e0y d\u1eabn \u0111\u1ebfn k\u1ebft qu\u1ea3 l\u00e0 r\u1ea5t nhi\u1ec1u ch\u1ee7 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 k\u1ef3 v\u1ecdng tr\u1ea3 h\u1ebft ph\u00ed h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1edbm h\u01a1n, nh\u01b0ng k\u1ebf ho\u1ea1ch n\u00e0y \u0111\u00e3 kh\u00f4ng \u0111\u1ea1t \u0111\u01b0\u1ee3c. Do v\u1eady, nhi\u1ec1u ng\u01b0\u1eddi \u0111\u00e3 \u0111\u00e2m \u0111\u01a1n ki\u1ec7n v\u1ec1 ch\u00ednh s\u00e1c kh\u1ea5u tr\u1eeb ph\u00ed b\u1ea3o hi\u1ec3m (vanishing premium) n\u00e0y v\u00e0 h\u1ecd \u0111\u00e3 th\u1eafng ki\u1ec7n.<\/p><p>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m h\u1ea5p d\u1eabn cho m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm s\u1ef1 b\u1ea3o hi\u1ec3m l\u00e2u d\u00e0i v\u00e0 c\u00f3 hi\u1ec3u bi\u1ebft s\u00e2u v\u1ec1 m\u1eb7t \u0111\u1ea7u t\u01b0. T\u1ea5t c\u1ea3 c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd li\u00ean k\u1ebft chung m\u00e0 ch\u00fang t\u00f4i cung c\u1ea5p \u0111\u1ec1u c\u00f3 c\u00e1c \u0111\u1eb7c \u0111i\u1ec3m sau:<\/p><ul><li>Chi ph\u00ed b\u1ea3o hi\u1ec3m \u1edf m\u1ee9c c\u1ed1 \u0111\u1ecbnh (ch\u00fang t\u00f4i kh\u00f4ng \u0111\u1ec1 ngh\u1ecb c\u00e1c g\u00f3i v\u1edbi m\u1ee9c ph\u00ed \u0111\u00f3ng b\u1ea3o hi\u1ec3m c\u1ed1 \u0111\u1ecbnh nh\u01b0ng chi ph\u00ed b\u1ea3o hi\u1ec3m t\u0103ng d\u1ea7n trong h\u1ee3p \u0111\u1ed3ng).<\/li><li>M\u1ee9c \u0111\u1ea7u t\u01b0 t\u1ed1i thi\u1ec3u ho\u1eb7c kh\u00f4ng c\u00f3 \u0111\u1ea7u t\u01b0. H\u00e3y coi ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n l\u00e0 b\u1ea3o hi\u1ec3m ch\u1ee9 kh\u00f4ng ph\u1ea3i \u0111\u1ea7u t\u01b0!<\/li><\/ul><h3><strong>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Th\u1eddi h\u1ea1n \u0111\u1ebfn tu\u1ed5i 100<\/strong><\/h3><p>M\u1eb7c d\u00f9 c\u00f3 t\u1eeb &#8216;th\u1eddi h\u1ea1n&#8217; trong t\u00ean g\u1ecdi, B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Th\u1eddi h\u1ea1n \u0111\u1ebfn tu\u1ed5i 100 kh\u00f4ng ph\u1ea3i l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 th\u1eddi h\u1ea1n, m\u00e0 \u0111\u01b0\u1ee3c x\u1ebfp v\u00e0o lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Th\u1eddi h\u1ea1n \u0111\u1ebfn tu\u1ed5i 100 t\u1eebng l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m ph\u1ed5 bi\u1ebfn, nh\u01b0ng x\u00e9t v\u1ec1 chi ph\u00ed g\u1ea7n nh\u01b0 t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung, h\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi s\u1ebd ch\u1ecdn B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung v\u00ec t\u00ednh linh ho\u1ea1t h\u01a1n.<\/p><p>Nh\u01b0 \u0111\u00e3 \u0111\u1ec1 c\u1eadp, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u1eddi h\u1ea1n \u0111\u1ebfn 100 tu\u1ed5i l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m kh\u00e1 \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 hi\u1ec3u. Ph\u00ed b\u1ea3o hi\u1ec3m (premium) \u0111\u01b0\u1ee3c c\u1ed1 \u0111\u1ecbnh trong su\u1ed1t cu\u1ed9c \u0111\u1eddi c\u1ee7a b\u1ea1n. L\u1ee3i \u00edch khi m\u1ea5t (s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m- death benefit) c\u0169ng \u0111\u01b0\u1ee3c c\u1ed1 \u0111\u1ecbnh trong su\u1ed1t cu\u1ed9c \u0111\u1eddi c\u1ee7a b\u1ea1n. Ph\u00ed b\u1ea3o hi\u1ec3m tr\u00ean h\u1ee3p \u0111\u1ed3ng ph\u1ea3i \u0111\u01b0\u1ee3c thanh to\u00e1n cho \u0111\u1ebfn khi b\u1ea1n \u0111\u1ee7 100 tu\u1ed5i, khi \u0111\u00f3 h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 \u0111\u01b0\u1ee3c thanh to\u00e1n v\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u00f3ng th\u00eam ph\u00ed b\u1ea3o hi\u1ec3m n\u00e0o. N\u1ebfu b\u1ea1n c\u00f2n s\u1ed1ng \u0111\u1ebfn 100 tu\u1ed5i, h\u1ee3p \u0111\u1ed3ng v\u1eabn c\u00f2n hi\u1ec7u l\u1ef1c, kh\u00f4ng y\u00eau c\u1ea7u \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m th\u00eam v\u00e0 ti\u1ec1n \u0111\u1ec1n b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c tr\u1ea3 sau khi b\u1ea1n m\u1ea5t.<\/p><p>V\u00ec B\u1ea3o hi\u1ec3m Th\u1eddi h\u1ea1n \u0111\u1ebfn 100 tu\u1ed5i kh\u00f4ng c\u00f3 gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t, n\u00ean ph\u00ed b\u1ea3o hi\u1ec3m th\u01b0\u1eddng th\u1ea5p h\u01a1n so v\u1edbi c\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m v\u0129nh vi\u1ec5n kh\u00e1c c\u00f3 gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t, ch\u1eb3ng h\u1ea1n nh\u01b0 B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Tr\u1ecdn \u0111\u1eddi.<\/p><p>B\u1ea3o hi\u1ec3m Th\u1eddi h\u1ea1n \u0111\u1ebfn 100 tu\u1ed5i th\u01b0\u1eddng l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ed1t n\u1ebfu b\u1ea1n mu\u1ed1n c\u00f3 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi ph\u00ed \u0111\u00f3ng th\u1ea5p nh\u01b0ng v\u1eabn b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c cho nh\u1eefng nhu c\u1ea7u t\u00e0i ch\u00ednh cho ph\u1ea7n \u0111\u1eddi c\u00f2n l\u1ea1i, ch\u1eb3ng h\u1ea1n nh\u01b0 \u0111\u1ec3 l\u1ea1i t\u00e0i s\u1ea3n th\u1eeba k\u1ebf, tr\u1ea3 ti\u1ec1n cho c\u00e1c kho\u1ea3n ph\u00ed tang l\u1ec5 ho\u1eb7c chi tr\u1ea3 thu\u1ebf sau khi qua \u0111\u1eddi.<\/p><h2><strong>So s\u00e1nh c\u00e1c lo\u1ea1i BH nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n<\/strong><\/h2><p>B\u00e2y gi\u1edd ch\u00fang ta h\u00e3y \u0111i\u1ec3m qua ba lo\u1ea1i ch\u00ednh c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n \u0111ang c\u00f3 t\u1ea1i Canada qua b\u1ea3ng d\u01b0\u1edbi \u0111\u00e2y \u0111\u1ec3 c\u00f3 m\u1ed9t c\u00e1i nh\u00ecn t\u1ed5ng quan nhanh v\u1ec1 s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m.<\/p><p><strong><img fetchpriority=\"high\" decoding=\"async\" class=\"alignnone size-full wp-image-1694\" src=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/09\/So-sanh-Bh-nhan-tho.png\" alt=\"\" width=\"981\" height=\"501\" srcset=\"https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/09\/So-sanh-Bh-nhan-tho.png 981w, https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/09\/So-sanh-Bh-nhan-tho-300x153.png 300w, https:\/\/101insurance.ca\/wp-content\/uploads\/2023\/09\/So-sanh-Bh-nhan-tho-768x392.png 768w\" sizes=\"(max-width: 981px) 100vw, 981px\" \/><\/strong><\/p><h2><strong>Gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t l\u00e0 g\u00ec?<\/strong><\/h2><p>Gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t (cash value &#8211; c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 gi\u00e1 tr\u1ecb b\u1ed3i th\u01b0\u1eddng ti\u1ec1n m\u1eb7t) c\u1ee7a m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n l\u00e0 y\u1ebfu t\u1ed1 \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3. C\u1ea3 b\u1ea3o hi\u1ec3m tr\u1ecdn \u0111\u1eddi v\u00e0 b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft chung \u0111\u1ec1u c\u00f3 th\u1ec3 c\u00f3 gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t.<\/p><p>C\u00f3 th\u1ec3 b\u1ea1n \u0111\u00e3 nghe n\u00f3i v\u1ec1 vi\u1ec7c r\u00fat ti\u1ec1n t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 ch\u1ee7 h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 t\u00edch lu\u1ef9 \u0111\u01b0\u1ee3c m\u1ed9t gi\u00e1 tr\u1ecb \u0111\u1ea7u t\u01b0 trong su\u1ed1t nh\u1eefng n\u0103m tr\u1ea3 ti\u1ec1n cho h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. C\u00f3 th\u1ec3 ng\u01b0\u1eddi n\u00e0y g\u1eb7p kh\u00f3 kh\u0103n t\u00e0i ch\u00ednh ho\u1eb7c c\u1ea7n v\u1ed1n \u0111\u1ec3 tr\u1ea3 tr\u1ea3 tr\u01b0\u1edbc (downpayment) cho m\u1ed9t c\u0103n nh\u00e0 h\u1ecd mu\u1ed1n mua. Do v\u1eady, h\u1ecd ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00e0 nh\u1eadn l\u1ea1i gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t c\u1ee7a h\u1ee3p \u0111\u1ed3ng. H\u00e3y nh\u1edb r\u1eb1ng n\u1ebfu b\u1ea1n ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t, b\u1ea1n c\u00f3 th\u1ec3 ph\u1ea3i tr\u1ea3 thu\u1ebf cho CRA (C\u1ee5c Thu\u1ebf Li\u00ean Bang Canada), v\u00ec v\u1eady h\u00e3y trao \u0111\u1ed5i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a b\u1ea1n tr\u01b0\u1edbc khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh n\u00e0y.<\/p><p>Gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t c\u1ee7a m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n l\u00e0 s\u1ed1 ti\u1ec1n t\u00edch l\u0169y trong t\u00e0i kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u00f3. Khi b\u1ea1n tr\u1ea3 ph\u00ed cho m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c chia th\u00e0nh ba danh m\u1ee5c ri\u00eang bi\u1ec7t:<\/p><ol><li>Chi ph\u00ed b\u1ea3o hi\u1ec3m. \u0110a s\u1ed1 s\u1ed1 ti\u1ec1n ph\u00ed tr\u1ea3 \u0111\u01b0\u1ee3c gi\u1eef l\u1ea1i b\u1edfi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 chi tr\u1ea3 chi ph\u00ed th\u1ef1c t\u1ebf c\u1ee7a b\u1ea3o hi\u1ec3m. \u0110\u00e2y l\u00e0 kho\u1ea3n ph\u00ed m\u00e0 h\u1ecd thu \u0111\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m cho b\u1ea1n.<\/li><li>Chi ph\u00ed v\u1eadn h\u00e0nh v\u00e0 chi ph\u00ed kh\u00e1c. Do c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i chi tr\u1ea3 c\u00e1c kho\u1ea3n chi ph\u00ed \u0111\u1ec3 v\u1eadn h\u00e0nh, n\u00ean m\u1ed9t t\u1ef7 l\u1ec7 t\u1eeb s\u1ed1 ti\u1ec1n ph\u00ed b\u1ea1n tr\u1ea3 s\u1ebd \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 h\u1ed7 tr\u1ee3 chi ph\u00ed n\u00e0y.<\/li><li>Gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t. \u0110\u00e2y l\u00e0 gi\u00e1 tr\u1ecb c\u1ee7a t\u00e0i kho\u1ea3n \u0111\u1ea7u t\u01b0 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c t\u00edch l\u0169y d\u1ea7n theo th\u1eddi gian. Nhi\u1ec1u y\u1ebfu t\u1ed1 s\u1ebd \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn hi\u1ec7u su\u1ea5t c\u1ee7a \u0111\u1ea7u t\u01b0, ch\u1eb3ng h\u1ea1n nh\u01b0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng, c\u00f4ng ty, c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0, v.v.,<\/li><\/ol><p>B\u1edfi v\u00ec gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t kh\u00e1c v\u1edbi ti\u1ec1n \u0111\u1ec1n b\u1ea3o hi\u1ec3m khi m\u1ea5t, ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng c\u1ee7a b\u1ea1n kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c c\u1ea3 gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t v\u00e0 ti\u1ec1n \u0111\u1ec1n khi b\u1ea1n qua \u0111\u1eddi; m\u00e0 ch\u1ec9 nh\u1eadn \u0111\u01b0\u1ee3c ph\u1ea7n ti\u1ec1n \u0111\u1ec1n b\u1ea3o. Kh\u00e1 nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u1eabn hi\u1ec3u nh\u1ea7m r\u1eb1ng ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn c\u1ea3 hai.<\/p><p>H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tr\u1ecdn \u0111\u1eddi c\u00f3 gi\u00e1 tr\u1ecb r\u1ea5t cao v\u1ec1 ti\u1ec1n m\u1eb7t. \u0110\u00f3 l\u00e0 m\u1ed9t kho\u1ea3n ti\u1ec1n t\u00edch l\u0169y theo th\u1eddi gian v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u1eadn d\u1ee5ng theo nhi\u1ec1u c\u00e1ch kh\u00e1c nhau. Sau \u0111\u00e2y l\u00e0 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ch\u00ednh \u0111\u1ec3 t\u1eadn d\u1ee5ng gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd:<\/p><ol><li><strong> R\u00fat ti\u1ec1n<\/strong>. B\u1ea1n c\u00f3 th\u1ec3 r\u00fat (c\u00f2n g\u1ecdi l\u00e0 \u201ccash in\u201d) m\u1ed9t ph\u1ea7n ho\u1eb7c t\u1ed5ng gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t c\u1ee7a b\u1ea1n. N\u1ebfu b\u1ea1n r\u00fat ph\u1ea7n ph\u1ea7n gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t trong h\u1ee3p \u0111\u1ed3ng, ti\u1ec1n \u0111\u1ec1n b\u1ea3o hi\u1ec3m s\u1ebd b\u1ecb gi\u1ea3m \u0111i. N\u1ebfu b\u1ea1n r\u00fat to\u00e0n b\u1ed9 gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t c\u1ee7a m\u00ecnh, h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m s\u1ebd k\u1ebft th\u00fac.<\/li><li><strong> Vay t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/strong> B\u1ea1n c\u00f3 th\u1ec3 xin vay t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t trong h\u1ee3p \u0111\u1ed3ng. Kho\u1ea3n vay n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh l\u00e3i su\u1ea5t do c\u00f4ng ty b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh, th\u01b0\u1eddng l\u00e0 6-8%. H\u1ee3p \u0111\u1ed3ng s\u1ebd b\u1ecb h\u1ee7y n\u1ebfu s\u1ed1 ti\u1ec1n cho vay v\u01b0\u1ee3t qu\u00e1 t\u1ed5ng gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t.<\/li><li><strong> Vay Ng\u00e2n h\u00e0ng<\/strong>. C\u00e1c ng\u00e2n h\u00e0ng xem h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u01b0 l\u00e0 m\u1ed9t t\u00e0i s\u1ea3n n\u1ebfu n\u00f3 c\u00f3 gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t l\u1edbn. C\u00e1c ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0a ra m\u1ed9t h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng (line of credit) d\u1ef1a tr\u00ean gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. B\u1ea1n c\u00f3 th\u1ec3 m\u01b0\u1ee3n ti\u1ec1n t\u1eeb h\u1ea1n m\u1ee9c t\u00edn d\u1ee5ng xem nh\u01b0 l\u00e0 m\u1ed9t c\u00e1ch nh\u1eadn l\u1ea1i ti\u1ec1n t\u1eeb h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u00e0 kh\u00f4ng c\u1ea7n tr\u1ea3 thu\u1ebf. \u0110\u00e2y l\u00e0 m\u1ed9t k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh kh\u00e1 ph\u1ed5 bi\u1ebfn trong vi\u1ec7c t\u1eadn d\u1ee5ng gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t c\u1ee7a b\u1ea3o hi\u1ec3m khi c\u00f2n s\u1ed1ng. Do l\u00e3i su\u1ea5t ng\u00e2n h\u00e0ng th\u01b0\u1eddng th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3 so v\u1edbi l\u00e3i su\u1ea5t c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/li><\/ol><p>Vi\u1ec7c t\u00edch l\u0169y gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c xem nh\u01b0 l\u00e0 m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p ho\u00e3n thu\u1ebf. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n kh\u00f4ng ph\u1ea3i tr\u1ea3 thu\u1ebf cho ph\u1ea7n t\u0103ng tr\u01b0\u1edfng (l\u1ee3i nhu\u1eadn) trong \u0111\u1ea7u t\u01b0 trong khi n\u00f3 \u0111ang t\u0103ng l\u00ean. Thu\u1ebf \u0111\u01b0\u1ee3c ho\u00e3n l\u1ea1i cho \u0111\u1ebfn khi ph\u1ea7n ti\u1ec1n m\u1eb7t cash value \u0111\u01b0\u1ee3c r\u00fat ra. M\u1eb7c d\u00f9 kho\u1ea3n n\u00e0y \u0111\u01b0\u1ee3c ho\u00e3n thu\u1ebf, nh\u01b0ng b\u1ea1n c\u0169ng s\u1ebd m\u1ea5t nhi\u1ec1u n\u0103m \u0111\u1ec3 s\u1ed1 ti\u1ec1n n\u00e0y t\u00edch l\u0169y th\u00e0nh m\u1ed9t kho\u1ea3n l\u1edbn.<\/p><h2><strong>T\u1ed5ng k\u1ebft<\/strong><\/h2><p>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi. Th\u00f4ng th\u01b0\u1eddng, ch\u00fang ta n\u00ean xem x\u00e9t vi\u1ec7c mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ef3 h\u1ea1n tr\u01b0\u1edbc v\u00ec n\u00f3 \u00edt t\u1ed1n k\u00e9m h\u01a1n v\u00e0 c\u00f3 th\u1ec3 cung c\u1ea5p m\u1ed9t kho\u1ea3n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u1edbn khi c\u1ea7n thi\u1ebft nh\u1ea5t. Vi\u1ec7c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n c\u1ea7n \u0111\u01b0\u1ee3c c\u00e2n nh\u1eafc th\u1eadt c\u1ea9n tr\u1ecdng v\u00ec ph\u00ed \u0111\u00f3ng cao v\u00e0 k\u00e9o d\u00e0i nhi\u1ec1u n\u0103m, c\u1ea7n \u0111\u1ea3m b\u1ea3o s\u1ef1 cam k\u1ebft l\u00e2u d\u00e0i trong k\u1ebf ho\u1ea1ch t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n.<\/p><p>Ch\u00fang t\u00f4i c\u00f3 th\u1ec3 h\u1ed7 tr\u1ee3 b\u1ea1n mi\u1ec5n ph\u00ed trong vi\u1ec7c \u0111\u01b0a ra l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t v\u00e0 ph\u00f9 h\u1ee3p nh\u1ea5t cho b\u1ea1n v\u00e0 gia \u0111\u00ecnh. Vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi ch\u00fang t\u00f4i \u0111\u1ec3 th\u1ea3o lu\u1eadn v\u1ec1 ho\u00e0n c\u1ea3nh v\u00e0 nhu c\u1ea7u t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh \u0111\u00e2u l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t.<\/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-1005ce6 e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"1005ce6\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-cc91dea e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"cc91dea\" 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-c0aa823 elementor-widget elementor-widget-heading\" data-id=\"c0aa823\" 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-b88e6b6 elementor-widget elementor-widget-button\" data-id=\"b88e6b6\" 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-27ef37c e-flex e-con-boxed wpr-particle-no wpr-jarallax-no wpr-parallax-no wpr-sticky-section-no e-con e-parent\" data-id=\"27ef37c\" 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-29e308e elementor-widget elementor-widget-heading\" data-id=\"29e308e\" 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 nh\u00e2n th\u1ecd<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-51af3eb elementor-widget elementor-widget-accordion\" data-id=\"51af3eb\" 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-8561\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-8561\" 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-8561\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-8561\"><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-8562\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-8562\" 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-8562\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-8562\"><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-8563\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-8563\" 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-8563\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-8563\"><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-8564\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-8564\" 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-8564\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-8564\"><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-8565\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-8565\" 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-8565\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-8565\"><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-8566\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-8566\" 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-8566\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-8566\"><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-8567\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-8567\" 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-8567\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-8567\"><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-8568\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-8568\" 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-8568\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-8568\"><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-8569\" class=\"elementor-tab-title\" data-tab=\"9\" role=\"button\" aria-controls=\"elementor-tab-content-8569\" 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-8569\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"9\" role=\"region\" aria-labelledby=\"elementor-tab-title-8569\"><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-85610\" class=\"elementor-tab-title\" data-tab=\"10\" role=\"button\" aria-controls=\"elementor-tab-content-85610\" 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-85610\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"10\" role=\"region\" aria-labelledby=\"elementor-tab-title-85610\"><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-85611\" class=\"elementor-tab-title\" data-tab=\"11\" role=\"button\" aria-controls=\"elementor-tab-content-85611\" 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-85611\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"11\" role=\"region\" aria-labelledby=\"elementor-tab-title-85611\"><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-85612\" class=\"elementor-tab-title\" data-tab=\"12\" role=\"button\" aria-controls=\"elementor-tab-content-85612\" 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-85612\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"12\" role=\"region\" aria-labelledby=\"elementor-tab-title-85612\"><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-85613\" class=\"elementor-tab-title\" data-tab=\"13\" role=\"button\" aria-controls=\"elementor-tab-content-85613\" 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-85613\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"13\" role=\"region\" aria-labelledby=\"elementor-tab-title-85613\"><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-85614\" class=\"elementor-tab-title\" data-tab=\"14\" role=\"button\" aria-controls=\"elementor-tab-content-85614\" 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-85614\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"14\" role=\"region\" aria-labelledby=\"elementor-tab-title-85614\"><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-85615\" class=\"elementor-tab-title\" data-tab=\"15\" role=\"button\" aria-controls=\"elementor-tab-content-85615\" 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-85615\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"15\" role=\"region\" aria-labelledby=\"elementor-tab-title-85615\"><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-85616\" class=\"elementor-tab-title\" data-tab=\"16\" role=\"button\" aria-controls=\"elementor-tab-content-85616\" 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-85616\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"16\" role=\"region\" aria-labelledby=\"elementor-tab-title-85616\"><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-85617\" class=\"elementor-tab-title\" data-tab=\"17\" role=\"button\" aria-controls=\"elementor-tab-content-85617\" 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-85617\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"17\" role=\"region\" aria-labelledby=\"elementor-tab-title-85617\"><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-85618\" class=\"elementor-tab-title\" data-tab=\"18\" role=\"button\" aria-controls=\"elementor-tab-content-85618\" 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-85618\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"18\" role=\"region\" aria-labelledby=\"elementor-tab-title-85618\"><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-85619\" class=\"elementor-tab-title\" data-tab=\"19\" role=\"button\" aria-controls=\"elementor-tab-content-85619\" 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-85619\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"19\" role=\"region\" aria-labelledby=\"elementor-tab-title-85619\"><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-85620\" class=\"elementor-tab-title\" data-tab=\"20\" role=\"button\" aria-controls=\"elementor-tab-content-85620\" 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-85620\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"20\" role=\"region\" aria-labelledby=\"elementor-tab-title-85620\"><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-85621\" class=\"elementor-tab-title\" data-tab=\"21\" role=\"button\" aria-controls=\"elementor-tab-content-85621\" 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-85621\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"21\" role=\"region\" aria-labelledby=\"elementor-tab-title-85621\"><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 class=\"elementor-element elementor-element-a3b42db elementor-widget elementor-widget-heading\" data-id=\"a3b42db\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">N\u1ebfu v\u1eabn c\u00f2n nh\u1eefng th\u1eafc m\u1eafc kh\u00e1c, vui l\u00f2ng li\u00ean h\u1ec7 ch\u00fang t\u00f4i \u0111\u1ec3 c\u00f3 nh\u1eefng t\u01b0 v\u1ea5n c\u1ee5 th\u1ec3 h\u01a1n.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd V\u0129nh vi\u1ec5n M\u1ee5c l\u1ee5c \u1ede Canada, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c chia th\u00e0nh hai lo\u1ea1i ch\u00ednh: b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ef3 h\u1ea1n v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n (th\u1ec9nh tho\u1ea3ng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tr\u1ecdn \u0111\u1eddi, nh\u01b0ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tr\u1ecdn \u0111\u1eddi ch\u1ec9 l\u00e0 m\u1ed9t trong nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m v\u0129nh vi\u1ec5n). Xem trang c\u1ee7a ch\u00fang t\u00f4i v\u1ec1 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ec3 bi\u1ebft th\u00eam v\u1ec1 nhi\u1ec1u lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd kh\u00e1c. B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd V\u0129nh vi\u1ec5n l\u00e0 g\u00ec? B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd V\u0129nh vi\u1ec5n (Permanent Life Insurance) s\u1ebd b\u1ea3o hi\u1ec3m b\u1ea1n trong su\u1ed1t cu\u1ed9c \u0111\u1eddi. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a b\u1ea1n s\u1ebd kh\u00f4ng bao gi\u1edd h\u1ebft h\u1ea1n hay k\u1ebft th\u00fac (kh\u00e1c v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ef3 h\u1ea1n). Ng\u01b0\u1eddi Canada hi\u1ec7n nay c\u00f3 kh\u00e1 nhi\u1ec1u lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n \u0111\u1ec3 l\u1ef1a ch\u1ecdn. Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, ba lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n \u0111ang \u0111\u01b0\u1ee3c cung c\u1ea5p t\u1ea1i th\u1ecb \u00a0tr\u01b0\u1eddng Canada l\u00e0: B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Tr\u1ecdn \u0111\u1eddi \u2013 Whole Life Insurance (Li\u00ean k\u1ebft) B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd \u0111\u1ebfn 100 tu\u1ed5i \u2013 Term to 100 Life Insurance (Li\u00ean k\u1ebft) B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung \u2013 Universal Life Insurance (Li\u00ean k\u1ebft) C\u01a1 ch\u1ebf ho\u1ea1t \u0111\u1ed9ng c\u1ee7a B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd V\u0129nh vi\u1ec5n Khi b\u1ea1n gi\u00e0 \u0111i, chi ph\u00ed c\u01a1 b\u1ea3n c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u1ec1u t\u0103ng l\u00ean. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ef3 h\u1ea1n (Term Life) c\u00e2n \u0111\u1ed1i chi ph\u00ed n\u00e0y b\u1eb1ng c\u00e1ch chia \u0111\u1ec1u c\u00e1c kho\u1ea3n chi ph\u00ed n\u00e0y ra theo\u00a0 m\u1ed9t kho\u1ea3ng th\u1eddi gian nh\u1ea5t \u0111\u1ecbnh \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 &#8220;k\u1ef3 h\u1ea1n&#8221;. Nh\u01b0ng \u0111i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra n\u1ebfu c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd chia trung b\u00ecnh chi ph\u00ed n\u00e0y ra m\u1ed9t kho\u1ea3ng th\u1eddi gian d\u00e0i h\u01a1n n\u1eefa? H\u00e3y t\u01b0\u1edfng t\u01b0\u1ee3ng r\u1eb1ng c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd chia \u0111\u1ec1u chi ph\u00ed b\u1ea3o hi\u1ec3m ra kho\u1ea3ng th\u1eddi gian k\u00e9o d\u00e0i su\u1ed1t cu\u1ed9c \u0111\u1eddi b\u1ea1n. N\u1ebfu h\u1ecd l\u00e0m nh\u01b0 v\u1eady, ch\u00fang ta s\u1ebd tr\u1ea3 m\u1ed9t m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u1ed5i trong su\u1ed1t cu\u1ed9c \u0111\u1eddi. \u0110\u00f3 l\u00e0 \u0111\u1ecbnh ngh\u0129a c\u01a1 b\u1ea3n c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n: m\u1ed9t kho\u1ea3n ti\u1ec1n ph\u00ed c\u1ed1 \u0111\u1ecbnh su\u1ed1t \u0111\u1eddi. Nh\u01b0 \u0111\u00e3 n\u00eau tr\u01b0\u1edbc \u0111\u00f3, c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf kh\u00e1c nhau \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c nhu c\u1ea7u kh\u00e1c nhau c\u1ee7a kh\u00e1ch h\u00e0ng. N\u1ebfu b\u1ea1n \u0111ang c\u00e2n nh\u1eafc vi\u1ec7c mua m\u1ed9t b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n, ch\u00fang t\u00f4i khuy\u00ean b\u1ea1n n\u00ean trao \u0111\u1ed5i tr\u1ef1c ti\u1ebfp v\u1edbi chuy\u00ean vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111\u01b0\u1ee3c c\u1ea5p ph\u00e9p. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 m\u1ed9t cam k\u1ebft t\u00e0i ch\u00ednh d\u00e0i h\u1ea1n, c\u1ea7n \u0111\u01b0\u1ee3c xem x\u00e9t v\u00e0 c\u00e2n nh\u1eafc th\u1eadt c\u1ea9n th\u1eadn tr\u01b0\u1edbc khi mua. T\u1ed5ng k\u1ebft l\u1ea1i, trong khi ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ef3 h\u1ea1n t\u0103ng l\u00ean sau m\u1ed9t giai \u0111o\u1ea1n, th\u00ec ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n duy tr\u00ec \u1ed5n \u0111\u1ecbnh trong su\u1ed1t cu\u1ed9c \u0111\u1eddi. B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Tr\u1ecdn \u0111\u1eddi B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Tr\u1ecdn \u0111\u1eddi (Whole Life Insurance) l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n k\u00e9o d\u00e0i su\u1ed1t \u0111\u1eddi (kh\u00f4ng bao gi\u1edd h\u1ebft h\u1ea1n). N\u00f3 c\u00f3 hai \u0111\u1eb7c \u0111i\u1ec3m ch\u00ednh: ph\u1ea7n \u0111\u1ec1n b\u00f9 khi qua \u0111\u1eddi (Death benefit) v\u00e0 gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t (Cash value). Ph\u1ea7n ti\u1ec1n \u0111\u1ec1n b\u00f9 l\u00e0 do ch\u1ee7 h\u1ee3p \u0111\u1ed3ng l\u1ef1a ch\u1ecdn (v\u00ed d\u1ee5: $100.000). \u0110\u00e2y l\u00e0 s\u1ed1 ti\u1ec1n m\u00e0 ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng \u0111\u01b0\u1ee3c nh\u1eadn m\u1ed9t l\u1ea7n v\u00e0 mi\u1ec5n thu\u1ebf ho\u00e0n to\u00e0n trong tr\u01b0\u1eddng h\u1ee3p b\u1ea1n qua \u0111\u1eddi. Gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t khi b\u1eaft \u0111\u1ea7u h\u1ee3p \u0111\u1ed3ng l\u00e0 $0. Ph\u1ea7n \u0111\u1ec1n b\u00f9 khi m\u1ea5t v\u00e0 gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t s\u1ebd t\u0103ng theo th\u1eddi gian khi b\u1ea1n \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u1ec1u \u0111\u1eb7n (\u0111\u1ed1i v\u1edbi h\u1ea7u h\u1ebft c\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng). B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tr\u1ecdn \u0111\u1eddi c\u0169ng chia ra l\u00e0m 2 lo\u1ea1i ch\u00ednh l\u00e0 participating v\u00e0 non-participating. V\u1edbi lo\u1ea1i participating, b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 y\u1ebfu t\u1ed1 \u0111\u1ea7u t\u01b0 do h\u1ee3p \u0111\u1ed3ng s\u1ebd \u0111\u01b0\u1ee3c nh\u1eadn c\u1ed5 t\u1ee9c (dividend) c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00f9y v\u00e0o k\u1ebft qu\u1ea3 \u0111\u1ea7u t\u01b0 kinh doanh c\u1ee7a c\u00f4ng ty. Ng\u01b0\u1ee3c l\u1ea1i, lo\u1ea1i b\u1ea3o hi\u1ec3m non-participating m\u1eb7c d\u00f9 kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eadn dividend nh\u01b0ng ph\u1ea7n gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t s\u1ebd \u0111\u01b0\u1ee3c cam k\u1ebft cao h\u01a1n. Xin vui l\u00f2ng xem th\u00eam b\u00e0i vi\u1ebft ph\u00e2n t\u00edch so s\u00e1nh m\u1eb7t l\u1ee3i-h\u1ea1i c\u1ee7a hai lo\u1ea1i n\u00e0y t\u1ea1i \u0111\u00e2y. (ch\u00e8n link) B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung B\u1ea3o hi\u1ec3m Nh\u00e2n th\u1ecd Li\u00ean k\u1ebft chung l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m thu\u1ed9c lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u0129nh vi\u1ec5n. \u1ede lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y, ph\u1ea7n b\u1ea3o hi\u1ec3m v\u00e0 ph\u1ea7n chi ph\u00ed \u0111\u01b0\u1ee3c t\u00e1ch bi\u1ec7t v\u1edbi ph\u1ea7n \u0111\u1ea7u t\u01b0. Hai ph\u1ea7n n\u00e0y c\u1ee7a h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c t\u00e1ch b\u1ea1ch r\u1ea5t r\u00f5 r\u00e0ng. Ph\u1ea7n b\u1ea3o hi\u1ec3m h\u1ee3p \u0111\u1ed3ng th\u01b0\u1eddng c\u00f3 hai lo\u1ea1i c\u01a1 b\u1ea3n: kh\u00f4ng \u0111\u1ed5i su\u1ed1t \u0111\u1eddi v\u00e0 t\u0103ng tr\u01b0\u1edfng h\u00e0ng n\u0103m. C\u00f2n ph\u1ea7n \u0111\u1ea7u t\u01b0 c\u1ee7a m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd li\u00ean k\u1ebft chung s\u1ebd kh\u00e1 gi\u1ed1ng v\u1edbi qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 (mutual fund). Th\u1ef1c t\u1ebf, ch\u00fang kh\u00f4ng ph\u1ea3i l\u00e0 qu\u1ef9 t\u01b0\u01a1ng h\u1ed7, nh\u01b0ng v\u1ec1 m\u1eb7t kh\u00e1i ni\u1ec7m th\u00ec hai lo\u1ea1i n\u00e0y g\u1ea7n nh\u01b0 t\u01b0\u01a1ng \u0111\u1ed3ng. V\u00ed d\u1ee5, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c l\u1ef1a ch\u1ecdn c\u00e1c lo\u1ea1i \u0111\u1ea7u t\u01b0 t\u1eeb c\u00e1c c\u00f4ng ty kh\u00e1c nhau v\u00e0 nhi\u1ec1u l\u1ef1a ch\u1ecdn s\u1ebd li\u00ean k\u1ebft tr\u1ef1c ti\u1ebfp v\u1edbi c\u00e1c qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 quen thu\u1ed9c. Ngo\u00e0i ra, b\u1ea1n c\u00f2n c\u00f3 th\u1ec3 ch\u1ecdn c\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ea7u t\u01b0 ph\u1ed5 bi\u1ebfn nh\u01b0 GIC, ch\u1ee9ng kho\u00e1n, tr\u00e1i phi\u1ebfu hay qu\u1ef9 ch\u1ec9 s\u1ed1 index. M\u1ed9t m\u1eb7t quan tr\u1ecdng kh\u00e1c, v\u00ec ph\u1ea7n \u0111\u1ea7u t\u01b0 c\u1ee7a h\u1ea7u h\u1ebft c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m lo\u1ea1i n\u00e0y ho\u1ea1t \u0111\u1ed9ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 m\u1ed9t qu\u1ef9 t\u01b0\u01a1ng h\u1ed7. Do v\u1eady, c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 n\u00e0y th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o. K\u1ebft qu\u1ea3 l\u00e0, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 m\u1ed9t qu\u1ef9 t\u01b0\u01a1ng h\u1ed7 th\u00f4ng th\u01b0\u1eddng, c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd n\u00e0y c\u00f3 th\u1ec3 l\u1ed7 ho\u1eb7c ph\u00e1 s\u1ea3n. Trong giai \u0111o\u1ea1n kh\u1ee7ng ho\u1ea3ng t\u00e0i ch\u00ednh n\u0103m 2008-2009, r\u1ea5t<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":2185,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_eb_attr":"","footnotes":""},"class_list":["post-2203","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages\/2203","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=2203"}],"version-history":[{"count":0,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages\/2203\/revisions"}],"up":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/pages\/2185"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=2203"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}