{"id":1710,"date":"2023-09-10T09:23:37","date_gmt":"2023-09-10T04:23:37","guid":{"rendered":"https:\/\/101insurance.ca\/?p=1710"},"modified":"2023-10-07T07:40:05","modified_gmt":"2023-10-07T02:40:05","slug":"bao-hiem-tai-truong-hoc-cho-du-hoc-sinh","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/bao-hiem-tai-truong-hoc-cho-du-hoc-sinh\/","title":{"rendered":"B\u1ea3o hi\u1ec3m t\u1ea1i tr\u01b0\u1eddng h\u1ecdc cho du h\u1ecdc sinh & ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c"},"content":{"rendered":"\n
\"\"<\/figure>\n\n\n\n

M\u00f9a nh\u1eadp h\u1ecdc s\u1eafp t\u1edbi r\u1ed3i! G\u1ea7n \u0111\u00e2y c\u00f3 r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh l\u00e0 du h\u1ecdc sinh c\u00f3 gia \u0111\u00ecnh h\u1ecfi th\u0103m v\u1ec1 BH du l\u1ecbch \u0111\u1ec3 cover trong th\u1eddi gian c\u1ea3 nh\u00e0 qua s\u1edbm tr\u01b0\u1edbc ng\u00e0y nh\u1eadp h\u1ecdc. Tuy nhi\u00ean, \u0111a ph\u1ea7n m\u1ecdi ng\u01b0\u1eddi s\u1ebd ch\u01b0a n\u1eafm h\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng th\u00f4ng tin c\u1ea7n thi\u1ebft li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m c\u1ee7a tr\u01b0\u1eddng h\u1ecdc n\u00ean m\u00ecnh vi\u1ebft b\u00e0i n\u00e0y nh\u1eb1m gi\u00fap c\u00e1c b\u1ea1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 b\u1ea3o hi\u1ec3m do c\u00e1c tr\u01b0\u1eddng cung c\u1ea5p.<\/p>\n\n\n\n

1. B\u1ea3o hi\u1ec3m cho du h\u1ecdc sinh c\u1ee7a tr\u01b0\u1eddng h\u1ecdc l\u00e0 g\u00ec?<\/strong><\/h2>\n\n\n\n

T\u1ea1i Canada, t\u1ea5t c\u1ea3 du h\u1ecdc sinh \u0111\u1ec1u b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m trong qu\u00e1 tr\u00ecnh h\u1ecdc t\u1ea1i \u0111\u00e2y. Nh\u1eefng g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c k\u00e8m m\u1eb7c \u0111\u1ecbnh trong s\u1ed1 ti\u1ec1n \u0111\u00f3ng h\u1ecdc ph\u00ed (kh\u00f4ng \u0111\u01b0\u1ee3c quy\u1ec1n b\u1ecf ra). C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y l\u00e0 do m\u1ed9t b\u00ean th\u1ee9 ba cung c\u1ea5p, m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u00f4ng d\u1ee5ng cung c\u1ea5p g\u00f3i BH cho c\u00e1c tr\u01b0\u1eddng b\u1ea1n th\u01b0\u1eddng g\u1eb7p l\u00e0: Guard.Me, Morcare, IGNITE\u2026<\/p>\n\n\n\n

2. B\u1ea3o hi\u1ec3m c\u1ee7a tr\u01b0\u1eddng th\u01b0\u1eddng chi tr\u1ea3 nh\u1eefng g\u00ec?<\/strong><\/h2>\n\n\n\n

Nh\u1eefng g\u00f3i BH c\u1ee7a tr\u01b0\u1eddng th\u01b0\u1eddng chi tr\u1ea3 nhi\u1ec1u th\u1ee9 h\u01a1n l\u00e0 b\u1ea3o hi\u1ec3m du l\u1ecbch th\u00f4ng th\u01b0\u1eddng. C\u1ee5 th\u1ec3, c\u00e1c m\u1ee5c chi tr\u1ea3 c\u1ee7a BH tr\u01b0\u1eddng- lo\u1ea1i c\u0103n b\u1ea3n s\u1ebd g\u1ed3m:<\/p>\n\n\n\n

– C\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf c\u0103n b\u1ea3n nh\u01b0 th\u0103m kh\u00e1m b\u00e1c s\u0129, th\u1eed m\u00e1u\/ n\u01b0\u1edbc ti\u1ec3u c\u1ea7n thi\u1ebft, c\u1ea5p c\u1ee9u, nh\u1eadp vi\u1ec7n\u2026<\/p>\n\n\n\n

– Ti\u1ec1n thu\u1ed1c (th\u01b0\u1eddng l\u00e0 chi tr\u1ea3 80%)<\/p>\n\n\n\n

– Ti\u1ec1n kh\u00e1m & ch\u0103m s\u00f3c r\u0103ng mi\u1ec7ng c\u0103n b\u1ea3n (80%), c\u00f3 th\u1ec3 c\u00f3 chi tr\u1ea3 cho vi\u1ec7c ch\u1eefa b\u1ec7nh v\u1ec1 r\u0103ng, nh\u01b0ng m\u1ee9c chi tr\u1ea3 c\u00f3 th\u1ec3 th\u1ea5p h\u01a1n (70-75%)<\/p>\n\n\n\n

– Kh\u00e1m m\u1eaft & ti\u1ec1n k\u00ednh m\u1eaft (c\u1eadn\/vi\u1ec5n\u2026). Th\u01b0\u1eddng gi\u1edbi h\u1ea1n m\u1ed9t m\u1ee9c nh\u1ea5t \u0111\u1ecbnh v\u00e0 \u0111\u01b0\u1ee3c 1 l\u1ea7n trong v\u00f2ng 2 n\u0103m.<\/p>\n\n\n\n

– Ti\u1ec1n kh\u00e1m ch\u1eefa b\u1ec7nh \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh b\u1edfi b\u00e1c s\u0129 & \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi c\u00e1c chuy\u00ean gia c\u00f3 ch\u1ee9ng ch\u1ec9, v\u00ed d\u1ee5 nh\u01b0 m\u00e1t-xa tr\u1ecb li\u1ec7u, ch\u00e2m c\u1ee9u, chuy\u00ean vi\u00ean dinh d\u01b0\u1ee1ng, chuy\u00ean vi\u00ean t\u00e2m l\u00fd\u2026 (th\u01b0\u1edfng chi tr\u1ea3 80%)<\/p>\n\n\n\n

– B\u1ed3i th\u01b0\u1eddng cho nh\u00e2n m\u1ea1ng ho\u1eb7c m\u1ea5t m\u1ed9t ph\u1ea7n th\u00e2n th\u1ec3 do tai n\u1ea1n.<\/p>\n\n\n\n

Tuy nhi\u00ean, c\u1ea7n l\u01b0u \u00fd l\u00e0 b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c \u0111\u00f4i khi s\u1ebd c\u00f3 1 s\u1ed1 m\u1ee5c \u00edt h\u01a1n BH c\u1ee7a du h\u1ecdc sinh (v\u00ed d\u1ee5, ti\u1ec1n b\u1ed3i th\u01b0\u1eddng tai n\u1ea1n\/ nh\u00e2n m\u1ea1ng).<\/p>\n\n\n\n

3. Ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c c\u00f3 \u0111\u01b0\u1ee3c k\u00e8m trong BH c\u1ee7a tr\u01b0\u1eddng kh\u00f4ng?<\/strong><\/h2>\n\n\n\n

Ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c \u0111\u01b0\u1ee3c mua k\u00e8m v\u1edbi b\u1ea3o hi\u1ec3m c\u1ee7a du h\u1ecdc sinh. Tuy nhi\u00ean, du h\u1ecdc sinh th\u01b0\u1eddng ch\u1ec9 c\u00f3 th\u1ec3 th\u00eam ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c sau khi h\u1ee3p \u0111\u1ed3ng BH c\u1ee7a ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh (hay n\u00f3i c\u00e1ch kh\u00e1c, l\u00e0 du h\u1ecdc sinh \u0111\u00e3 c\u00f3 s\u1ed1 h\u1ee3p \u0111\u1ed3ng \u2013 policy number). V\u00e0 vi\u1ec7c th\u00eam th\u00f4ng tin ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c n\u00e0y th\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh trong v\u00f2ng 30 ng\u00e0y sau khi h\u1ee3p \u0111\u1ed3ng BH \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh.<\/p>\n\n\n\n

4. C\u00f3 n\u00ean mua BH du l\u1ecbch thay v\u00ec BH ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c c\u1ee7a du h\u1ecdc sinh kh\u00f4ng?<\/strong><\/h2>\n\n\n\n

Kh\u00f4ng ph\u1ea3i v\u00ec m\u00ecnh c\u00f3 cung c\u1ea5p BH du l\u1ecbch m\u00e0 m\u00ecnh s\u1ebd ca ng\u1ee3i BH du l\u1ecbch. T\u1ea5t c\u1ea3 c\u00e1c kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh l\u00e0 du h\u1ecdc sinh mang gia \u0111\u00ecnh theo, m\u00ecnh \u0111\u1ec1u khuy\u00ean l\u00e0 n\u00ean \u0111\u0103ng k\u00fd mua BH cho ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c t\u1eeb BH c\u1ee7a tr\u01b0\u1eddng cung c\u1ea5p. V\u00ec r\u1ea5t r\u00f5 r\u00e0ng l\u00e0 BH cho nh\u00f3m l\u00fac n\u00e0o c\u0169ng s\u1ebd r\u1ebb h\u01a1n l\u00e0 mua BH ri\u00eang. Ch\u01b0a k\u1ec3 g\u00f3i BH c\u1ee7a tr\u01b0\u1eddng c\u00f3 nhi\u1ec1u l\u1ee3i \u00edch h\u01a1n BH du l\u1ecbch th\u00f4ng th\u01b0\u1eddng.<\/p>\n\n\n\n

Tuy nhi\u00ean, \u1edf th\u1eddi gian \u0111\u1ea7u c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 s\u1ebd g\u1eb7p kh\u00e1 nhi\u1ec1u tr\u1ee5c tr\u1eb7c n\u1ebfu th\u1eddi gian chu\u1ea9n b\u1ecb v\u00e0 ph\u01b0\u01a1ng ti\u1ec7n giao ti\u1ebfp c\u00f3 m\u1eb7t h\u1ea1n ch\u1ebf. Th\u1ef1c tr\u1ea1ng l\u00e0 vi\u1ec7c li\u00ean h\u1ec7 v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ecdc \u0111\u1ec3 h\u1ecfi th\u0103m th\u00f4ng tin c\u1ee5 th\u1ec3 v\u1ec1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m, th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd n\u00e0y n\u1ecd kia \u0111\u00f4i khi t\u1ed1n kh\u00e1 nhi\u1ec1u th\u1eddi gian. V\u00ec \u0111\u00f4i khi nh\u00e2n vi\u00ean c\u1ee7a tr\u01b0\u1eddng s\u1ebd kh\u00f4ng n\u1eafm r\u00f5 h\u1ebft th\u00f4ng tin v\u1ec1 BH, h\u1ecd s\u1ebd ph\u1ea3i chuy\u1ec3n qua b\u1ed9 ph\u1eadn ph\u1ee5 tr\u00e1ch v\u1ec1 ph\u00fac l\u1ee3i cho sinh vi\u00ean, ho\u1eb7c chuy\u1ec3n qua d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng c\u1ee7a c\u00f4ng ty cung c\u1ea5p BH n\u1ebfu c\u00e1c b\u1ea1n c\u00f3 nh\u1eefng c\u00e2u h\u1ecfi chi ti\u1ebft h\u01a1n v\u1ec1 g\u00f3i BH. V\u00e0 qu\u00e1 tr\u00ecnh chuy\u1ec3n ti\u1ebfp n\u00e0y r\u1ea5t b\u1ea5t ti\u1ec7n v\u00e0 t\u1ed1n th\u1eddi gian. \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 c\u00e1c b\u1ea1n n\u00ean l\u01b0\u1eddng tr\u01b0\u1edbc.<\/p>\n\n\n\n

5. FAQ<\/strong><\/h2>\n\n\n\n

\ud83d\udc49 C\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u00e0o kh\u00f4ng n\u00ean mua BH ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c c\u1ee7a du h\u1ecdc sinh?<\/strong><\/h3>\n\n\n\n

N\u1ebfu ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c v\u1ee3\/ch\u1ed3ng \u0111\u00e3 ho\u1eb7c d\u1ef1 t\u00ednh c\u00f3 job full time trong th\u1eddi gian s\u1eafp t\u1edbi, th\u00ec c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc mua BH du l\u1ecbch thay v\u00ec mua BH ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c \u1edf tr\u01b0\u1eddng. V\u00ec t\u1ea1i Ontario, khi c\u00f3 job full time & c\u00f3 th\u01b0 x\u00e1c nh\u1eadn t\u1eeb employer s\u1ebd nh\u1eadn b\u1ea1n l\u00e0m vi\u1ec7c \u00edt nh\u1ea5t 6 th\u00e1ng + m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n kh\u00e1c v\u1ec1 th\u1eddi gian \u1edf t\u1ea1i Canada, b\u1ea1n c\u00f3 th\u1ec3 xin \u0111\u01b0\u1ee3c BH t\u1ec9nh bang. C\u00e1c t\u1ec9nh kh\u00e1c y\u00eau c\u1ea7u c\u00f3 th\u1ec3 s\u1ebd kh\u00e1c, n\u00ean b\u1ea1n n\u00ean t\u00ecm hi\u1ec3u tr\u01b0\u1edbc \u0111i\u1ec1u ki\u1ec7n c\u00f3 BH c\u1ee7a t\u1ec9nh bang. Ngo\u00e0i ra, b\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u00eam b\u00e0i vi\u1ebft c\u1ee7a m\u00ecnh v\u1ec1 OHIP (BH t\u1ec9nh Ontario). Do Bh ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c th\u01b0\u1eddng s\u1ebd y\u00eau c\u1ea7u \u0111\u00f3ng 1 n\u0103m, \u0111\u00f4i khi 1 h\u1ecdc k\u1ef3. N\u00ean l\u1ef1a ch\u1ecdn mua BH du l\u1ecbch (linh \u0111\u1ed9ng theo ng\u00e0y) l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ed1t c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc.<\/p>\n\n\n\n

\ud83d\udc49 Qua s\u1edbm tr\u01b0\u1edbc k\u1ef3 nh\u1eadp h\u1ecdc c\u00f3 mua \u0111\u01b0\u1ee3c BH cho ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c kh\u00f4ng?<\/strong><\/h3>\n\n\n\n

Nh\u01b0 m\u00ecnh \u0111\u00e3 n\u00f3i \u1edf tr\u00ean, c\u00e1c c\u00f4ng ty BH kh\u00f4ng th\u1ec3 th\u00eam t\u00ean ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c n\u1ebfu ch\u01b0a c\u00f3 s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a du h\u1ecdc sinh. Tuy nhi\u00ean, n\u1ebfu du h\u1ecdc sinh t\u1ef1 \u0111\u0103ng k\u00fd mua th\u00eam b\u1ea3o hi\u1ec3m cho th\u1eddi gian tr\u01b0\u1edbc khi nh\u1eadp h\u1ecdc, th\u00ec h\u1ecd v\u1eabn c\u00f3 th\u1ec3 th\u00eam t\u00ean ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c v\u00e0o. V\u00e0 vi\u1ec7c mua th\u00eam n\u00e0y c\u0169ng th\u01b0\u1eddng ch\u1ec9 gi\u1edbi h\u1ea1n trong v\u00f2ng 2-3 tu\u1ea7n tr\u01b0\u1edbc ng\u00e0y nh\u1eadp h\u1ecdc.<\/p>\n\n\n\n

\ud83d\udc49 N\u1ebfu c\u1ea3 nh\u00e0 \u0111\u00e3 c\u00f3 OHIP, m\u00ecnh c\u00f3 th\u1ec3 b\u1ecf b\u1ea3o hi\u1ec3m c\u1ee7a tr\u01b0\u1eddng \u0111\u01b0\u1ee3c kh\u00f4ng?<\/strong><\/h3>\n\n\n\n

N\u1ebfu b\u1ea1n may m\u1eafn xin \u0111\u01b0\u1ee3c OHIP k\u00e8m theo v\u1ee3\/ch\u1ed3ng l\u00e0 open work permit holder, b\u1ea1n c\u00f3 th\u1ec3 n\u1ed9p \u0111\u01a1n \u0111\u1ec3 xin r\u00fat kh\u1ecfi g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee7a tr\u01b0\u1eddng. L\u01b0u \u00fd, T\u1ea4T C\u1ea2 c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ec1u cho ph\u00e9p ng\u01b0\u1eddi mua \u0111\u01b0\u1ee3c cancel n\u1ebfu ng\u01b0\u1eddi mua c\u00f3 OHIP. V\u1eady n\u00ean n\u1ebfu nh\u00e2n vi\u00ean tr\u01b0\u1eddng h\u1ecdc n\u00e0o t\u01b0 v\u1ea5n l\u00e0 kh\u00f4ng th\u1ec3 b\u1ecf b\u1ea3o hi\u1ec3m c\u1ee7a tr\u01b0\u1eddng ra khi c\u00f3 OHIP l\u00e0 HO\u00c0N TO\u00c0N SAI. V\u00ec kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh \u0111\u00e3 t\u1eebng g\u1eb7p t\u01b0 v\u1ea5n sai nh\u01b0 v\u1eady r\u1ed3i. Ch\u1ec9 c\u00f3 1 \u0111i\u1ec1u b\u1ea1n c\u1ea7n l\u01b0u \u00fd l\u00e0 n\u1ebfu h\u1ecdc ph\u00ed \u0111\u00e3 \u0111\u00f3ng b\u1ea3o hi\u1ec3m theo n\u0103m ho\u1eb7c theo h\u1ecdc k\u1ef3, th\u00ec n\u0103m\/ h\u1ecdc k\u1ef3 b\u1ea1n \u0111\u00e3 \u0111\u00f3ng s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c tr\u1ea3 ti\u1ec1n l\u1ea1i. Nh\u01b0ng khi b\u1ea1n n\u1ed9p \u0111\u01a1n xin r\u00fat, th\u00ec h\u1ecdc k\u1ef3\/n\u0103m sau \u0111\u00f3 b\u1ea1n s\u1ebd kh\u00f4ng ph\u1ea3i \u0111\u00f3ng.<\/p>\n\n\n\n

\ud83d\udc49 C\u00f3 th\u1ec3 xem chi ti\u1ebft g\u00f3i b\u1ea3o hi\u1ec3m c\u1ee7a tr\u01b0\u1eddng tr\u01b0\u1edbc thay v\u00ec li\u00ean h\u1ec7 v\u1edbi tr\u01b0\u1eddng \u0111\u01b0\u1ee3c kh\u00f4ng?<\/strong><\/h3>\n\n\n\n

C\u00f3! T\u1ea5t c\u1ea3 c\u00e1c th\u00f4ng tin v\u1ec1 g\u00f3i b\u1ea3o hi\u1ec3m \u0111\u1ec1u \u0111\u01b0\u1ee3c c\u00f4ng khai r\u1ea5t r\u00f5 r\u00e0ng tr\u00ean website c\u1ee7a tr\u01b0\u1eddng. Vi\u1ec7c n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o kh\u1ea3 n\u0103ng google\/ t\u00ecm ki\u1ebfm c\u1ee7a b\u1ea1n th\u00f4i. Thay v\u00ec \u0111i h\u1ecfi tr\u01b0\u1eddng th\u00ec b\u1ea1n c\u00f3 th\u1ec3 l\u00ean website v\u00e0 download v\u1ec1 policy wording ho\u1eb7c booklet, s\u1ebd c\u00f3 t\u1ea5t t\u1ea7n t\u1eadt th\u00f4ng tin v\u1ec1 g\u00f3i b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n

Hi v\u1ecdng b\u00e0i vi\u1ebft tr\u00ean s\u1ebd tr\u1ea3 l\u1eddi \u0111\u01b0\u1ee3c cho c\u00e1c b\u1ea1n nh\u1eefng c\u00e2u h\u1ecfi c\u0103n b\u1ea3n nh\u1ea5t. M\u1eb7c d\u00f9 m\u00ecnh ch\u1ec9 cung c\u1ea5p BH du l\u1ecbch, nh\u1eefng n\u1ebfu c\u00e1c b\u1ea1n c\u00f3 th\u1eafc m\u1eafc n\u00e0o v\u1ec1 BH c\u1ee7a tr\u01b0\u1eddng, m\u00ecnh v\u1eabn happy h\u1ed7 tr\u1ee3 trong kh\u1ea3 n\u0103ng c\u1ee7a m\u00ecnh h\u00e9n.<\/p>\n\n\n\n

Sarah Do,<\/em><\/p>\n\n\n\n

Travel, Health and Life Insurance Advisor.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

M\u00f9a nh\u1eadp h\u1ecdc s\u1eafp t\u1edbi r\u1ed3i! G\u1ea7n \u0111\u00e2y c\u00f3 r\u1ea5t nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh l\u00e0 du h\u1ecdc sinh c\u00f3 gia \u0111\u00ecnh h\u1ecfi th\u0103m v\u1ec1 BH du l\u1ecbch \u0111\u1ec3 cover trong th\u1eddi gian c\u1ea3 nh\u00e0 qua s\u1edbm tr\u01b0\u1edbc ng\u00e0y nh\u1eadp h\u1ecdc. Tuy nhi\u00ean, \u0111a ph\u1ea7n m\u1ecdi ng\u01b0\u1eddi s\u1ebd ch\u01b0a n\u1eafm h\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng th\u00f4ng tin c\u1ea7n thi\u1ebft li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m c\u1ee7a tr\u01b0\u1eddng h\u1ecdc n\u00ean m\u00ecnh vi\u1ebft b\u00e0i n\u00e0y nh\u1eb1m gi\u00fap c\u00e1c b\u1ea1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 b\u1ea3o hi\u1ec3m do c\u00e1c tr\u01b0\u1eddng cung c\u1ea5p. 1. B\u1ea3o hi\u1ec3m cho du h\u1ecdc sinh c\u1ee7a tr\u01b0\u1eddng h\u1ecdc l\u00e0 g\u00ec? T\u1ea1i Canada, t\u1ea5t c\u1ea3 du h\u1ecdc sinh \u0111\u1ec1u b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 b\u1ea3o hi\u1ec3m trong qu\u00e1 tr\u00ecnh h\u1ecdc t\u1ea1i \u0111\u00e2y. Nh\u1eefng g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd \u0111\u01b0\u1ee3c k\u00e8m m\u1eb7c \u0111\u1ecbnh trong s\u1ed1 ti\u1ec1n \u0111\u00f3ng h\u1ecdc ph\u00ed (kh\u00f4ng \u0111\u01b0\u1ee3c quy\u1ec1n b\u1ecf ra). C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y l\u00e0 do m\u1ed9t b\u00ean th\u1ee9 ba cung c\u1ea5p, m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u00f4ng d\u1ee5ng cung c\u1ea5p g\u00f3i BH cho c\u00e1c tr\u01b0\u1eddng b\u1ea1n th\u01b0\u1eddng g\u1eb7p l\u00e0: Guard.Me, Morcare, IGNITE\u2026 2. B\u1ea3o hi\u1ec3m c\u1ee7a tr\u01b0\u1eddng th\u01b0\u1eddng chi tr\u1ea3 nh\u1eefng g\u00ec? Nh\u1eefng g\u00f3i BH c\u1ee7a tr\u01b0\u1eddng th\u01b0\u1eddng chi tr\u1ea3 nhi\u1ec1u th\u1ee9 h\u01a1n l\u00e0 b\u1ea3o hi\u1ec3m du l\u1ecbch th\u00f4ng th\u01b0\u1eddng. C\u1ee5 th\u1ec3, c\u00e1c m\u1ee5c chi tr\u1ea3 c\u1ee7a BH tr\u01b0\u1eddng- lo\u1ea1i c\u0103n b\u1ea3n s\u1ebd g\u1ed3m: – C\u00e1c d\u1ecbch v\u1ee5 y t\u1ebf c\u0103n b\u1ea3n nh\u01b0 th\u0103m kh\u00e1m b\u00e1c s\u0129, th\u1eed m\u00e1u\/ n\u01b0\u1edbc ti\u1ec3u c\u1ea7n thi\u1ebft, c\u1ea5p c\u1ee9u, nh\u1eadp vi\u1ec7n\u2026 – Ti\u1ec1n thu\u1ed1c (th\u01b0\u1eddng l\u00e0 chi tr\u1ea3 80%) – Ti\u1ec1n kh\u00e1m & ch\u0103m s\u00f3c r\u0103ng mi\u1ec7ng c\u0103n b\u1ea3n (80%), c\u00f3 th\u1ec3 c\u00f3 chi tr\u1ea3 cho vi\u1ec7c ch\u1eefa b\u1ec7nh v\u1ec1 r\u0103ng, nh\u01b0ng m\u1ee9c chi tr\u1ea3 c\u00f3 th\u1ec3 th\u1ea5p h\u01a1n (70-75%) – Kh\u00e1m m\u1eaft & ti\u1ec1n k\u00ednh m\u1eaft (c\u1eadn\/vi\u1ec5n\u2026). Th\u01b0\u1eddng gi\u1edbi h\u1ea1n m\u1ed9t m\u1ee9c nh\u1ea5t \u0111\u1ecbnh v\u00e0 \u0111\u01b0\u1ee3c 1 l\u1ea7n trong v\u00f2ng 2 n\u0103m. – Ti\u1ec1n kh\u00e1m ch\u1eefa b\u1ec7nh \u0111\u01b0\u1ee3c ch\u1ec9 \u0111\u1ecbnh b\u1edfi b\u00e1c s\u0129 & \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi c\u00e1c chuy\u00ean gia c\u00f3 ch\u1ee9ng ch\u1ec9, v\u00ed d\u1ee5 nh\u01b0 m\u00e1t-xa tr\u1ecb li\u1ec7u, ch\u00e2m c\u1ee9u, chuy\u00ean vi\u00ean dinh d\u01b0\u1ee1ng, chuy\u00ean vi\u00ean t\u00e2m l\u00fd\u2026 (th\u01b0\u1edfng chi tr\u1ea3 80%) – B\u1ed3i th\u01b0\u1eddng cho nh\u00e2n m\u1ea1ng ho\u1eb7c m\u1ea5t m\u1ed9t ph\u1ea7n th\u00e2n th\u1ec3 do tai n\u1ea1n. Tuy nhi\u00ean, c\u1ea7n l\u01b0u \u00fd l\u00e0 b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c \u0111\u00f4i khi s\u1ebd c\u00f3 1 s\u1ed1 m\u1ee5c \u00edt h\u01a1n BH c\u1ee7a du h\u1ecdc sinh (v\u00ed d\u1ee5, ti\u1ec1n b\u1ed3i th\u01b0\u1eddng tai n\u1ea1n\/ nh\u00e2n m\u1ea1ng). 3. Ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c c\u00f3 \u0111\u01b0\u1ee3c k\u00e8m trong BH c\u1ee7a tr\u01b0\u1eddng kh\u00f4ng? Ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c \u0111\u01b0\u1ee3c mua k\u00e8m v\u1edbi b\u1ea3o hi\u1ec3m c\u1ee7a du h\u1ecdc sinh. Tuy nhi\u00ean, du h\u1ecdc sinh th\u01b0\u1eddng ch\u1ec9 c\u00f3 th\u1ec3 th\u00eam ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c sau khi h\u1ee3p \u0111\u1ed3ng BH c\u1ee7a ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh (hay n\u00f3i c\u00e1ch kh\u00e1c, l\u00e0 du h\u1ecdc sinh \u0111\u00e3 c\u00f3 s\u1ed1 h\u1ee3p \u0111\u1ed3ng \u2013 policy number). V\u00e0 vi\u1ec7c th\u00eam th\u00f4ng tin ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c n\u00e0y th\u01b0\u1eddng ch\u1ec9 \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh trong v\u00f2ng 30 ng\u00e0y sau khi h\u1ee3p \u0111\u1ed3ng BH \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh. 4. C\u00f3 n\u00ean mua BH du l\u1ecbch thay v\u00ec BH ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c c\u1ee7a du h\u1ecdc sinh kh\u00f4ng? Kh\u00f4ng ph\u1ea3i v\u00ec m\u00ecnh c\u00f3 cung c\u1ea5p BH du l\u1ecbch m\u00e0 m\u00ecnh s\u1ebd ca ng\u1ee3i BH du l\u1ecbch. T\u1ea5t c\u1ea3 c\u00e1c kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh l\u00e0 du h\u1ecdc sinh mang gia \u0111\u00ecnh theo, m\u00ecnh \u0111\u1ec1u khuy\u00ean l\u00e0 n\u00ean \u0111\u0103ng k\u00fd mua BH cho ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c t\u1eeb BH c\u1ee7a tr\u01b0\u1eddng cung c\u1ea5p. V\u00ec r\u1ea5t r\u00f5 r\u00e0ng l\u00e0 BH cho nh\u00f3m l\u00fac n\u00e0o c\u0169ng s\u1ebd r\u1ebb h\u01a1n l\u00e0 mua BH ri\u00eang. Ch\u01b0a k\u1ec3 g\u00f3i BH c\u1ee7a tr\u01b0\u1eddng c\u00f3 nhi\u1ec1u l\u1ee3i \u00edch h\u01a1n BH du l\u1ecbch th\u00f4ng th\u01b0\u1eddng. Tuy nhi\u00ean, \u1edf th\u1eddi gian \u0111\u1ea7u c\u00e1c b\u1ea1n c\u00f3 th\u1ec3 s\u1ebd g\u1eb7p kh\u00e1 nhi\u1ec1u tr\u1ee5c tr\u1eb7c n\u1ebfu th\u1eddi gian chu\u1ea9n b\u1ecb v\u00e0 ph\u01b0\u01a1ng ti\u1ec7n giao ti\u1ebfp c\u00f3 m\u1eb7t h\u1ea1n ch\u1ebf. Th\u1ef1c tr\u1ea1ng l\u00e0 vi\u1ec7c li\u00ean h\u1ec7 v\u1edbi c\u00e1c tr\u01b0\u1eddng h\u1ecdc \u0111\u1ec3 h\u1ecfi th\u0103m th\u00f4ng tin c\u1ee5 th\u1ec3 v\u1ec1 c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m, th\u1ee7 t\u1ee5c \u0111\u0103ng k\u00fd n\u00e0y n\u1ecd kia \u0111\u00f4i khi t\u1ed1n kh\u00e1 nhi\u1ec1u th\u1eddi gian. V\u00ec \u0111\u00f4i khi nh\u00e2n vi\u00ean c\u1ee7a tr\u01b0\u1eddng s\u1ebd kh\u00f4ng n\u1eafm r\u00f5 h\u1ebft th\u00f4ng tin v\u1ec1 BH, h\u1ecd s\u1ebd ph\u1ea3i chuy\u1ec3n qua b\u1ed9 ph\u1eadn ph\u1ee5 tr\u00e1ch v\u1ec1 ph\u00fac l\u1ee3i cho sinh vi\u00ean, ho\u1eb7c chuy\u1ec3n qua d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng c\u1ee7a c\u00f4ng ty cung c\u1ea5p BH n\u1ebfu c\u00e1c b\u1ea1n c\u00f3 nh\u1eefng c\u00e2u h\u1ecfi chi ti\u1ebft h\u01a1n v\u1ec1 g\u00f3i BH. V\u00e0 qu\u00e1 tr\u00ecnh chuy\u1ec3n ti\u1ebfp n\u00e0y r\u1ea5t b\u1ea5t ti\u1ec7n v\u00e0 t\u1ed1n th\u1eddi gian. \u0110\u00e2y l\u00e0 v\u1ea5n \u0111\u1ec1 c\u00e1c b\u1ea1n n\u00ean l\u01b0\u1eddng tr\u01b0\u1edbc. 5. FAQ \ud83d\udc49 C\u00e1c tr\u01b0\u1eddng h\u1ee3p n\u00e0o kh\u00f4ng n\u00ean mua BH ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c c\u1ee7a du h\u1ecdc sinh? N\u1ebfu ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c v\u1ee3\/ch\u1ed3ng \u0111\u00e3 ho\u1eb7c d\u1ef1 t\u00ednh c\u00f3 job full time trong th\u1eddi gian s\u1eafp t\u1edbi, th\u00ec c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc mua BH du l\u1ecbch thay v\u00ec mua BH ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c \u1edf tr\u01b0\u1eddng. V\u00ec t\u1ea1i Ontario, khi c\u00f3 job full time & c\u00f3 th\u01b0 x\u00e1c nh\u1eadn t\u1eeb employer s\u1ebd nh\u1eadn b\u1ea1n l\u00e0m vi\u1ec7c \u00edt nh\u1ea5t 6 th\u00e1ng + m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n kh\u00e1c v\u1ec1 th\u1eddi gian \u1edf t\u1ea1i Canada, b\u1ea1n c\u00f3 th\u1ec3 xin \u0111\u01b0\u1ee3c BH t\u1ec9nh bang. C\u00e1c t\u1ec9nh kh\u00e1c y\u00eau c\u1ea7u c\u00f3 th\u1ec3 s\u1ebd kh\u00e1c, n\u00ean b\u1ea1n n\u00ean t\u00ecm hi\u1ec3u tr\u01b0\u1edbc \u0111i\u1ec1u ki\u1ec7n c\u00f3 BH c\u1ee7a t\u1ec9nh bang. Ngo\u00e0i ra, b\u1ea1n c\u00f3 th\u1ec3 t\u00ecm th\u00eam b\u00e0i vi\u1ebft c\u1ee7a m\u00ecnh v\u1ec1 OHIP (BH t\u1ec9nh Ontario). Do Bh ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c th\u01b0\u1eddng s\u1ebd y\u00eau c\u1ea7u \u0111\u00f3ng 1 n\u0103m, \u0111\u00f4i khi 1 h\u1ecdc k\u1ef3. N\u00ean l\u1ef1a ch\u1ecdn mua BH du l\u1ecbch (linh \u0111\u1ed9ng theo ng\u00e0y) l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn t\u1ed1t c\u00f3 th\u1ec3 c\u00e2n nh\u1eafc. \ud83d\udc49 Qua s\u1edbm tr\u01b0\u1edbc k\u1ef3 nh\u1eadp h\u1ecdc c\u00f3 mua \u0111\u01b0\u1ee3c BH cho ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c kh\u00f4ng? Nh\u01b0 m\u00ecnh \u0111\u00e3 n\u00f3i \u1edf tr\u00ean, c\u00e1c c\u00f4ng ty BH kh\u00f4ng th\u1ec3 th\u00eam t\u00ean ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c n\u1ebfu ch\u01b0a c\u00f3 s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a du h\u1ecdc sinh. Tuy nhi\u00ean, n\u1ebfu du h\u1ecdc sinh t\u1ef1 \u0111\u0103ng k\u00fd mua th\u00eam b\u1ea3o hi\u1ec3m cho th\u1eddi gian tr\u01b0\u1edbc khi nh\u1eadp h\u1ecdc, th\u00ec h\u1ecd v\u1eabn c\u00f3 th\u1ec3 th\u00eam t\u00ean ng\u01b0\u1eddi ph\u1ee5 thu\u1ed9c v\u00e0o. V\u00e0 vi\u1ec7c mua th\u00eam n\u00e0y c\u0169ng th\u01b0\u1eddng ch\u1ec9 gi\u1edbi h\u1ea1n trong v\u00f2ng 2-3 tu\u1ea7n<\/p>\n","protected":false},"author":2,"featured_media":1704,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[26,25],"tags":[],"class_list":["post-1710","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-du-lich-bao-hiem","category-bao-hiem"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/1710","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/comments?post=1710"}],"version-history":[{"count":0,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/1710\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/1704"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=1710"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=1710"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=1710"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}