{"id":1783,"date":"2023-09-12T22:35:33","date_gmt":"2023-09-12T17:35:33","guid":{"rendered":"https:\/\/101insurance.ca\/?p=1783"},"modified":"2025-03-27T17:31:39","modified_gmt":"2025-03-27T12:31:39","slug":"he-thong-nganh-bao-hiem-canada-phan-1","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/he-thong-nganh-bao-hiem-canada-phan-1\/","title":{"rendered":"H\u1ec7 th\u1ed1ng ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Canada &#8211; Ph\u1ea7n 1: L\u1ecbch s\u1eed v\u00e0 t\u1ed5ng quan ng\u00e0nh"},"content":{"rendered":"\n<p><style>\/*! elementor-pro - v3.13.2 - 22-05-2023 *\/&lt;br \/><br>.elementor-widget-table-of-contents .elementor-toc__header-title{color:var(--header-color)}.elementor-widget-table-of-contents.elementor-toc--collapsed .elementor-toc__toggle-button--collapse,.elementor-widget-table-of-contents:not(.elementor-toc--collapsed) .elementor-toc__toggle-button--expand{display:none}.elementor-widget-table-of-contents .elementor-widget-container{min-height:var(--box-min-height);border:var(--box-border-width,1px) solid var(--box-border-color,#9da5ae);border-radius:var(--box-border-radius,3px);background-color:var(--box-background-color);transition:min-height .4s;overflow:hidden}.elementor-toc__header{display:flex;align-items:center;justify-content:space-between;padding:var(--box-padding,20px);background-color:var(--header-background-color);border-bottom:var(--separator-width,1px) solid var(--box-border-color,#9da5ae)}.elementor-toc__header-title{font-size:18px;margin:0;color:var(--header-color)}.elementor-toc__toggle-button{cursor:pointer;display:inline-flex}.elementor-toc__toggle-button i{color:var(--toggle-button-color)}.elementor-toc__toggle-button svg{height:1em;width:1em;fill:var(--toggle-button-color)}.elementor-toc__spinner-container{text-align:center}.elementor-toc__spinner{font-size:2em}.elementor-toc__spinner.e-font-icon-svg{height:1em;width:1em}.elementor-toc__body{padding:var(--box-padding,20px);max-height:var(--toc-body-max-height);overflow-y:auto}.elementor-toc__body::-webkit-scrollbar{width:7px}.elementor-toc__body::-webkit-scrollbar-thumb{background-color:#babfc5;border-radius:10px}.elementor-toc__list-wrapper{list-style:none;padding:0}.elementor-toc__list-item{margin-bottom:.5em}.elementor-toc__list-item.elementor-item-active{font-weight:700}.elementor-toc__list-item .elementor-toc__list-wrapper{margin-top:.5em;margin-left:var(--nested-list-indent,1em)}.elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}.elementor-toc__list-item-text-wrapper{display:flex;align-items:center}.elementor-toc__list-item-text-wrapper:before,.elementor-toc__list-item-text-wrapper i{margin-right:8px;color:var(--marker-color)}.elementor-toc__list-item-text-wrapper svg{margin-right:8px;fill:var(--marker-color);height:var(--marker-size,.5em);width:var(--marker-size,.5em)}.elementor-toc__list-item-text-wrapper i{font-size:var(--marker-size,.5em)}.elementor-toc__list-item-text-wrapper:before{font-size:var(--marker-size,1em)}.elementor-toc--content-ellipsis .elementor-toc__list-item-text{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.elementor-toc__list-items--collapsible>.elementor-toc__list-wrapper>.elementor-toc__list-item>.elementor-toc__list-wrapper{display:none}.elementor-toc__heading-anchor{position:absolute}.elementor-toc__body .elementor-toc__list-item-text{color:var(--item-text-color);-webkit-text-decoration:var(--item-text-decoration);text-decoration:var(--item-text-decoration)}.elementor-toc__body .elementor-toc__list-item-text:hover{color:var(--item-text-hover-color);-webkit-text-decoration:var(--item-text-hover-decoration);text-decoration:var(--item-text-hover-decoration)}.elementor-toc__body .elementor-toc__list-item-text.elementor-item-active{color:var(--item-text-active-color);-webkit-text-decoration:var(--item-text-active-decoration);text-decoration:var(--item-text-active-decoration)}ol.elementor-toc__list-wrapper{counter-reset:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item{counter-increment:item}ol.elementor-toc__list-wrapper .elementor-toc__list-item-text-wrapper:before{content:counters(item,\".\") \". \"}<\/style>\u1ede b\u00e0i vi\u1ebft \u0111\u1ea7u ti\u00ean n\u00e0y, m\u00ecnh s\u1ebd v\u1ebd m\u1ed9t b\u1ee9c tranh t\u1ed5ng th\u1ec3 v\u1ec1 ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Canada \u0111\u1ec3 c\u00e1c b\u1ea1n c\u00f3 m\u1ed9t c\u00e1i nh\u00ecn t\u1ed5ng qu\u00e1t h\u01a1n v\u1ec1 l\u1ecbch s\u1eed v\u00e0 th\u1ecb tr\u01b0\u1eddng ng\u00e0nh. Tuy nhi\u00ean, m\u00ecnh s\u1ebd t\u1eadp trung th\u00f4ng tin v\u00e0o th\u1ecb tr\u01b0\u1eddng ng\u00e0nh b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe &amp; nh\u00e2n th\u1ecd l\u00e0 ch\u00ednh \u0111\u1ec3 tr\u00e1nh b\u00e0i vi\u1ebft qu\u00e1 r\u1ed9ng v\u00e0 lan man.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>A- L\u1ecbch s\u1eed c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Canada<\/b><\/h2>\n\n\n\n<p>B\u1ea1n c\u00f3 bi\u1ebft ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Canada c\u00f3 tu\u1ed5i \u0111\u1eddi c\u00f2n l\u00e2u h\u01a1n c\u1ea3 \u0111\u1ea5t n\u01b0\u1edbc Canada?<\/p>\n\n\n\n<p>Tr\u01b0\u1edbc cu\u1ed9c Li\u00ean bang h\u00f3a Canada n\u0103m 1867 (l\u00e0 n\u0103m \u0111\u00e1nh d\u1ea5u s\u1ef1 h\u00ecnh th\u00e0nh Qu\u1ed1c gia t\u1ef1 tr\u1ecb Canada), c\u00e1c doanh nghi\u1ec7p n\u01b0\u1edbc ngo\u00e0i chi\u1ebfm l\u0129nh th\u1ecb ph\u1ea7n b\u1ea3o hi\u1ec3m sinh m\u1ea1ng v\u00e0 h\u1ecfa ho\u1ea1n t\u1ea1i c\u00e1c t\u1ec9nh l\u00e0 thu\u1ed9c \u0111\u1ecba c\u1ee7a Anh, bao g\u1ed3m c\u1ea3 c\u00e1c t\u1ec9nh h\u00ecnh th\u00e0nh n\u00ean Canada ng\u00e0y nay. C\u00e1c doanh nghi\u1ec7p n\u00e0y ch\u1ee7 y\u1ebfu cung c\u1ea5p d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m trong l\u0129nh v\u1ef1c h\u00e0ng h\u1ea3i. N\u0103m 1804, c\u00f4ng ty Phoenix c\u1ee7a London l\u1ea7n \u0111\u1ea7u ti\u00ean m\u1edf chi nh\u00e1nh t\u1ea1i Montreal (l\u00e0 Toronto ng\u00e0y nay), cung c\u1ea5p b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n, \u0111\u00e1nh d\u1ea5u cho s\u1ef1 kh\u1edfi \u0111\u1ea7u c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Canada. Trong th\u1eddi gian n\u00e0y, c\u00e1c c\u00f4ng ty n\u1ed9i \u0111\u1ecba c\u0169ng b\u1eaft \u0111\u1ea7u m\u1ecdc l\u00ean v\u00e0 ph\u00e1t tri\u1ec3n th\u00eam c\u00e1c d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m \u0111a d\u1ea1ng kh\u00e1c. Tuy nhi\u00ean, ch\u1ec9 \u0111\u1ebfn n\u0103m 1868, sau khi ba t\u1ec9nh thu\u1ed9c \u0111\u1ecba c\u1ee7a Anh h\u1ee3p nh\u1ea5t th\u00e0nh qu\u1ed1c gia t\u1ef1 tr\u1ecb Canada (l\u00fac n\u00e0y mang t\u00ean l\u00e0 Dominion), th\u00ec b\u1ed9 lu\u1eadt Dominion Insurance Act m\u1edbi \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp. B\u1ed9 lu\u1eadt n\u00e0y ch\u00ednh th\u1ee9c \u0111\u00e1nh d\u1ea5u s\u1ef1 ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m n\u1ed9i \u0111\u1ecba do nh\u1eefng \u0111\u1ea1o lu\u1eadt ch\u1eb7t ch\u1ebd v\u1ec1 vi\u1ec7c b\u1ea3o v\u1ec7 ng\u01b0\u1eddi d\u00f9ng b\u1ea3o hi\u1ec3m (policyholder), bao g\u1ed3m quy \u0111\u1ecbnh v\u1ec1 vi\u1ec7c nh\u1eefng c\u00f4ng ty cung c\u1ea5p d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 gi\u1ea5y ph\u00e9p kinh doanh nh\u1eb1m th\u1ecfa c\u00e1c \u0111i\u1ec1u ki\u1ec7n g\u1eaft gao h\u01a1n c\u1ee7a b\u1ed9 lu\u1eadt n\u00e0y.<\/p>\n\n\n\n<p>Nh\u01b0 v\u1eady, c\u00f3 th\u1ec3 th\u1ea5y r\u1eb1ng ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Canada v\u1edbi l\u1ecbch s\u1eed h\u01a1n 200 n\u0103m v\u00e0 b\u1ed9 lu\u1eadt Insurance Act v\u1edbi l\u1ecbch s\u1eed h\u01a1n 150 n\u0103m \u0111\u01b0\u1ee3c thay \u0111\u1ed5i v\u00e0 \u0111i\u1ec1u ch\u1ec9nh li\u00ean t\u1ee5c ph\u00f9 h\u1ee3p v\u1edbi chuy\u1ec3n bi\u1ebfn c\u1ee7a x\u00e3 h\u1ed9i \u0111\u00e3 gi\u00fap cho ng\u00e0nh b\u1ea3o hi\u1ec3m c\u1ee7a Canada tr\u1edf n\u00ean v\u1eefng ch\u1eafc v\u00e0 ph\u00e1t tri\u1ec3n nh\u01b0 ng\u00e0y nay.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/scontent-ord5-1.xx.fbcdn.net\/v\/t39.31854-6\/346484533_6280904185298551_7018817647698485779_n.jpg?_nc_cat=108&amp;ccb=1-7&amp;_nc_sid=4a2989&amp;_nc_ohc=wxh04cqmnAcAX8IkFWA&amp;_nc_ht=scontent-ord5-1.xx&amp;oh=00_AfD2LXfQ3vEiMYxKCzOIvRUaBGyrkaYvLFHCGMZvN5mhCQ&amp;oe=6505CF1E\" alt=\"\"\/><figcaption class=\"wp-element-caption\">\n<p>To\u00e0 nh\u00e0 b\u1ea3o hi\u1ec3m Royal t\u1ea1i Montreal n\u0103m 1864<\/p>\n<\/figcaption><\/figure>\n\n\n\n<p>Ngu\u1ed3n:&nbsp;<a tabindex=\"0\" role=\"link\" href=\"https:\/\/l.facebook.com\/l.php?u=https%3A%2F%2Fwww.swissre.com%2Fdam%2Fjcr%3A64b0fdca-f4d8-401c-a5bd-9c51614843c0%2F150Y_Markt_Broschuere_Canada_web.pdf%3Ffbclid%3DIwAR0ZQvM_al8iHoGK8FMSi_WiZH_7hLGe7Kr4PY3Fvc7MXLXtP4hcEbupdiQ&amp;h=AT1Q5JObBIp5IMv0i628E5tmAhmGXBuZg2x1Khnlg9rPVUSib312xgW5Hev4lZUnHjlK9C6wfMytpkIUK2Syscd5foC6vJ_YYA7BkrONfrE2spGDcBHnmYoUYCp97HXlzawN\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">https:\/\/www.swissre.com\/dam\/jcr:64b0fdca-f4d8-401c-a5bd-9c51614843c0\/150Y_Markt_Broschuere_Canada_web.pdf<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>B- T\u1ed5ng quan th\u1ecb tr\u01b0\u1eddng ng\u00e0nh b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe &amp; nh\u00e2n th\u1ecd hi\u1ec7n nay<\/b><\/h2>\n\n\n\n<p>V\u1edbi l\u1ecbch s\u1eed l\u00e2u \u0111\u1eddi nh\u01b0 tr\u00ean, s\u1ebd kh\u00f4ng l\u1ea1 n\u1ebfu b\u1ea1n bi\u1ebft r\u1eb1ng s\u1ed1 l\u01b0\u1ee3ng nh\u00e0 cung c\u1ea5p g\u00f3i b\u1ea3o hi\u1ec3m (insurer) nh\u00e2n th\u1ecd v\u00e0 s\u1ee9c kh\u1ecfe t\u1ea1i Canada l\u00ean t\u1edbi kho\u1ea3ng 150 doanh nghi\u1ec7p, t\u00ednh t\u1edbi n\u0103m 2022. Trong \u0111\u00f3 c\u00f3 kho\u1ea3ng 94% doanh nghi\u1ec7p \u0111\u00e3 t\u1ed3n t\u1ea1i tr\u00ean 50 n\u0103m. Nh\u01b0 v\u1eady, c\u00f3 th\u1ec3 th\u1ea5y r\u1eb1ng th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m t\u1ea1i Canada r\u1ea5t \u1ed5n \u0111\u1ecbnh do l\u1ecbch s\u1eed t\u1ed3n t\u1ea1i l\u00e2u \u0111\u1eddi. Trong 10 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, t\u1ed5ng s\u1ed1 ti\u1ec1n chi tr\u1ea3 \u0111\u1ec1n b\u00f9 (benefits) cho b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, s\u1ee9c kh\u1ecfe, v\u00e0 h\u01b0u tr\u00ed \u0111\u00e3 t\u0103ng t\u1edbi 60%, l\u00ean \u0111\u1ebfn $113 t\u1ec9 trong n\u0103m 2021. M\u1eb7c d\u00f9 m\u1ed7i n\u0103m c\u00e1c doanh nghi\u1ec7p n\u00e0y ph\u1ea3i x\u1eed l\u00fd h\u00e0ng tr\u0103m tri\u1ec7u h\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m (claims), nh\u01b0ng t\u1ef7 l\u1ec7 ph\u00e0n n\u00e0n ch\u1ec9 \u1edf m\u1ee9c 1 tr\u00ean 100,000 y\u00eau c\u1ea7u. Con s\u1ed1 n\u00e0y cho th\u1ea5y r\u1ea5t r\u00f5 t\u00ednh \u1ed5n \u0111\u1ecbnh c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Canada.<\/p>\n\n\n\n<p>Ngu\u1ed3n:&nbsp;<a tabindex=\"0\" role=\"link\" href=\"https:\/\/l.facebook.com\/l.php?u=http%3A%2F%2Fclhia.uberflip.com%2Fi%2F1478447-canadian-life-and-health-insurance-facts-2022-edition%2F5%3Ffbclid%3DIwAR2SYi8VG7gcQgZkzjaAlDuKFQxZ8sQzapo5TJ9dGawu4hAFaj-EyIsnmQo&amp;h=AT18YDMkMRn8NXljpqcqtsM6UNmdy4mJGN-umf516HDsAERABpwT8Sw1blfFR8uBTSrw_TbbHETbNiVizGlyXPTC2f4N95_-LfrPlOTq7cfzWdwhcngmC2jILkNQxDiegQeQ\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">http:\/\/clhia.uberflip.com\/i\/1478447-canadian-life-and-health-insurance-facts-2022-edition\/5?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>C- H\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Canada<\/b><\/h2>\n\n\n\n<p>\u0110\u00e2y l\u00e0 \u0111i\u1ec3m c\u1ef1c k\u1ef3 quan tr\u1ecdng m\u00e0 m\u00ecnh ngh\u0129 \u00edt c\u00f3 kh\u00e1ch h\u00e0ng n\u00e0o th\u1ef1c s\u1ef1 quan t\u00e2m t\u00ecm hi\u1ec3u. M\u00ecnh quan \u0111i\u1ec3m m\u1ed9t ng\u00e0nh h\u00e0ng\/ d\u1ecbch v\u1ee5 c\u00f3 th\u1eadt s\u1ef1 th\u00e0nh c\u00f4ng \u0111\u01b0\u1ee3c t\u1ea1i m\u1ed9t \u0111\u1ea5t n\u01b0\u1edbc hay kh\u00f4ng s\u1ebd ph\u1ee5 thu\u1ed9c c\u1ef1c k\u1ef3 l\u1edbn v\u00e0o h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd (bao g\u1ed3m lu\u1eadt ph\u00e1p) c\u1ee7a ng\u00e0nh n\u00e0y t\u1ea1i \u0111\u1ea5t n\u01b0\u1edbc \u0111\u00f3. V\u00e0 \u0111\u00e2y c\u0169ng ch\u00ednh l\u00e0 l\u00fd do m\u00ecnh t\u1ef1 tin d\u1ea5n th\u00e2n v\u00e0o c\u00e1i ngh\u1ec1 m\u00e0 ai c\u0169ng cho l\u00e0 &#8220;r\u1ea5t kh\u00f3&#8221; n\u00e0y d\u00f9 ch\u1ec9 m\u1edbi v\u00e0o Canada ch\u01b0a \u0111\u01b0\u1ee3c l\u00e2u. \u0110\u00f3 l\u00e0 nh\u1edd h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Canada v\u00f4 c\u00f9ng ch\u1eb7t ch\u1ebd v\u1edbi nh\u1eefng lu\u1eadt l\u1ec7 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng r\u1ea5t v\u1eefng ch\u1eafc. Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 kh\u00e1ch h\u00e0ng \u0111\u1ec1u hi\u1ec3u v\u00e0 t\u1eadn d\u1ee5ng h\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng l\u1ee3i th\u1ebf n\u00e0y. Ch\u00ednh v\u00ec v\u1eady m\u00e0 c\u00f3 kh\u00e1 nhi\u1ec1u kh\u00e1ch h\u00e0ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 ng\u01b0\u1eddi Vi\u1ec7t, v\u00ec gi\u1edbi h\u1ea1n v\u1ec1 ng\u00f4n ng\u1eef m\u00e0 b\u1ecb &#8220;b\u1eaft n\u1ea1t&#8221; do kh\u00f4ng n\u1eafm \u0111\u01b0\u1ee3c lu\u1eadt l\u1ec7. Tuy v\u1eady, c\u00e1c v\u1ea5n \u0111\u1ec1 li\u00ean quan t\u1edbi lu\u1eadt b\u1ea3o v\u1ec7 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m m\u00ecnh s\u1ebd vi\u1ebft \u1edf m\u1ed9t b\u00e0i kh\u00e1c nh\u00e9.<\/p>\n\n\n\n<p>D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c t\u1ed5 ch\u1ee9c quan tr\u1ecdng \u0111i\u1ec1u ti\u1ebft ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Canada:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1.&nbsp;<a tabindex=\"0\" role=\"link\" href=\"https:\/\/l.facebook.com\/l.php?u=https%3A%2F%2Fwww.osfi-bsif.gc.ca%2FEng%2Fwt-ow%2FPages%2Fwwr-er.aspx%3Fsc%3D2%26gc%3D3%26fbclid%3DIwAR1jvAkL_mPt-KhA3mUqb1lHFn3wRXnLjb1zfh-d8XlxkYV1odlx3wxWEnU%23WWRLink23&amp;h=AT0odJchCm4cr6-xKMJEeSIXSHrEH-D5foklq4mIQ-oTo-_zkXGuajCuXgYGZsP02UHTnBez9SFvlyM8mrCGTHYqdVE2ETNUb66OqmOpdaVYvbUOf3hAaiZOlFqH9mRwCNLb\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Office of the Superintendent of Financial Institutions<\/a>&nbsp;(OSFI)<\/strong><\/h3>\n\n\n\n<p>OSFI ch\u1ecbu tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u1eadn th\u1ecd, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong thu\u1ed9c qu\u1ea3n l\u00fd c\u1ee7a li\u00ean bang, bao g\u1ed3m c\u1ea3 chi nh\u00e1nh, c\u00f4ng ty con c\u1ee7a n\u01b0\u1edbc ngo\u00e0i, c\u00f4ng ty li\u00ean k\u1ebft v\u00e0 t\u01b0\u01a1ng h\u1ed7 c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>2. C\u00e1c t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m Canada (CISRO)<\/b><\/h3>\n\n\n\n<p>C\u00e1c t\u1ed5 ch\u1ee9c qu\u1ea3n l\u00fd d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m Canada Canadian Insurance Services Regulatory Organizations (CISRO) l\u00e0 m\u1ed9t di\u1ec5n \u0111\u00e0n c\u1ee7a ch\u00ednh quy\u1ec1n qu\u1ea3n l\u00fd c\u1ee7a Canada, \u0111\u01b0\u1ee3c l\u1eadp ra v\u1edbi m\u1ee5c ti\u00eau x\u00e2y d\u1ef1ng t\u00ednh nh\u1ea5t qu\u00e1n v\u00e0 \u0111\u1ea3m b\u1ea3o c\u00e1c chu\u1ea9n m\u1ef1c kinh doanh c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c trung gian trong ng\u00e0nh b\u1ea3o hi\u1ec3m. Nhi\u1ec7m v\u1ee5 c\u1ee7a CISRO l\u00e0 c\u1ed9ng t\u00e1c c\u1ee7a ch\u00ednh quy\u1ec1n d\u1ef1a tr\u00ean c\u00e1c \u0111\u1ec1 x\u01b0\u1edbng h\u1ed7 tr\u1ee3 b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng, th\u00f4ng qua c\u00e1c quy \u0111\u1ecbnh d\u00e0nh cho c\u00e1c t\u1ed5 ch\u1ee9c trung gian trong ng\u00e0nh.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>3. H\u1ed9i \u0111\u1ed3ng qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m Canada CCIR v\u00e0 C\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m thu\u1ed9c T\u1ec9nh bang<\/b><\/h3>\n\n\n\n<p>H\u1ed9i \u0111\u1ed3ng qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m Canada (Canadian Council of Insurance Regulators &#8211; CCIR) l\u00e0 hi\u1ec7p h\u1ed9i bao g\u1ed3m c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m, l\u00e0 di\u1ec5n \u0111\u00e0n gi\u00fap cho c\u00e1c c\u01a1 quan n\u00e0y t\u0103ng c\u01b0\u1eddng gi\u00e1m s\u00e1t ng\u00e0nh n\u00e0y t\u1ea1i Canada.<\/p>\n\n\n\n<p>M\u1ee5c ti\u00eau c\u1ee7a CCIR l\u00e0 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n v\u00e0 th\u00fac \u0111\u1ea9y t\u00ednh hi\u1ec7u qu\u1ea3 c\u1ee7a h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m \u1edf Canada \u0111\u1ec3 ph\u1ee5c v\u1ee5 l\u1ee3i \u00edch c\u00f4ng c\u1ed9ng. C\u00e1c th\u00e0nh vi\u00ean l\u00e0m vi\u1ec7c c\u00f9ng nhau \u0111\u1ec3 ph\u00e1t tri\u1ec3n c\u00e1c gi\u1ea3i ph\u00e1p cho c\u00e1c v\u1ea5n \u0111\u1ec1 ph\u00e1p l\u00fd chung.<\/p>\n\n\n\n<p>H\u1ed9i \u0111\u1ed3ng n\u00e0y s\u1ebd bao g\u1ed3m c\u00e1c C\u01a1 quan qu\u1ea3n l\u00fd b\u1ea3o hi\u1ec3m (Insurance Regulator) c\u1ee7a t\u1eebng t\u1ec9nh bang. V\u00ed d\u1ee5 c\u00e1c C\u01a1 quan n\u00e0y \u1edf m\u1ed9t v\u00e0i t\u1ec9nh bang sau:<\/p>\n\n\n\n<p>&#8211; Alberta: Superintendent of Insurance<\/p>\n\n\n\n<p>&#8211; British Columbia: BC Financial Services Authority (BCFSA)<\/p>\n\n\n\n<p>&#8211; Saskatchewan: Financial and Consumer Affairs Authority<\/p>\n\n\n\n<p>&#8211; Manitoba: Financial Institutions Regulation Branch (FIRB)<\/p>\n\n\n\n<p>&#8211; Ontario: Financial Services Regulatory Authority of Ontario (FSRA)<\/p>\n\n\n\n<p>&#8211; Quebec: Autorit\u00e9 des march\u00e9s financiers (AMF)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><b>4. C\u01a1 quan thanh tra B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd &amp; s\u1ee9c kh\u1ecfe &#8211;&nbsp;<a href=\"https:\/\/olhi.ca\/about-olhi\/i.ca\/about-olhi\/\">OmbudService for Life and Health Insurance (OLHI)<\/a><\/b><\/h3>\n\n\n\n<p>Sau m\u1ea5y t\u1ed5 ch\u1ee9c \u1edf tr\u00ean th\u00ec c\u00f3 l\u1ebd c\u00e1c b\u1ea1n th\u1ea5y h\u01a1i m\u1ec7t r\u1ed3i nh\u1ec9? Tuy nhi\u00ean, \u0111\u00e2y l\u00e0 t\u1ed5 ch\u1ee9c \u0111\u1ea7u ti\u00ean v\u00e0 quan tr\u1ecdng nh\u1ea5t m\u00e0 t\u1ea5t c\u1ea3 c\u00e1c kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m c\u1ea7n bi\u1ebft v\u00e0 nh\u1edb.<\/p>\n\n\n\n<p>OLHI l\u00e0 t\u1ed5 ch\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 mi\u1ec5n ph\u00ed, \u0111\u1ed9c l\u1eadp v\u00e0 c\u00f4ng b\u1eb1ng cho ng\u01b0\u1eddi d\u00e2n Canada trong vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c tranh ch\u1ea5p gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m. N\u1ebfu c\u00f3 b\u1ea5t c\u1ee9 v\u1ea5n \u0111\u1ec1 g\u00ec kh\u00f4ng h\u00e0i l\u00f2ng v\u00e0 ph\u00e1t sinh tranh ch\u1ea5p v\u1edbi ph\u00eda c\u00f4ng ty b\u1ea3o hi\u1ec3m, t\u1ed5 ch\u1ee9c \u0111\u1ea7u ti\u00ean b\u1ea1n n\u00ean ti\u1ebfp c\u1eadn l\u00e0 t\u1ed5 ch\u1ee9c n\u00e0y.<\/p>\n\n\n\n<p>Ngo\u00e0i ra, c\u00f2n m\u1ed9t s\u1ed1 t\u1ed5 ch\u1ee9c kh\u00e1c li\u00ean quan \u0111\u01b0\u1ee3c t\u00f3m t\u1eaft ng\u1eafn g\u1ecdn nh\u01b0 sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><b>T\u1ed5 ch\u1ee9c b\u1ea3o v\u1ec7 Th\u00f4ng tin c\u00e1 nh\u00e2n &#8211; Office of the Privacy Commissioner of Canada: cung c\u1ea5p\u00a0<\/b>l\u1eddi khuy\u00ean v\u00e0 c\u00e1c th\u00f4ng tin v\u1ec1 lu\u1eadt cho m\u1ecdi c\u00e1 nh\u00e2n v\u1edbi m\u1ee5c \u0111\u00edch b\u1ea3o v\u1ec7 th\u00f4ng tin c\u00e1 nh\u00e2n.<\/li>\n\n\n\n<li><b>Trung t\u00e2m ph\u00e2n tr\u00edch c\u00e1c b\u00e1o c\u00e1o v\u00e0 giao d\u1ecbch t\u00e0i ch\u00ednh &#8211; Financial Transactions and Reports Analysis Centre of Canada (FINTRAC): nhi\u1ec7m v\u1ee5\u00a0<\/b>ch\u00ednh c\u1ee7a t\u1ed5 ch\u1ee9c n\u00e0y l\u00e0 ch\u1ed1ng r\u1eeda ti\u1ec1n v\u00e0 ch\u1ed1ng kh\u1ee7ng b\u1ed1 th\u00f4ng qua c\u00e1c giao d\u1ecbch t\u00e0i ch\u00ednh t\u1ea1i Canada.<\/li>\n\n\n\n<li><b>Assuris:<\/b>\u00a0l\u00e0 t\u1ed5 ch\u1ee9c b\u1ea3o v\u1ec7 cho kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m (policyholder), b\u1ea3o \u0111\u1ea3m th\u1ef1c hi\u1ec7n c\u00e1c quy\u1ec1n l\u1ee3i (benefits) trong c\u00e1c s\u1ea3n ph\u1ea9m do c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u1edf Canada ph\u00e1t h\u00e0nh. V\u00ed d\u1ee5: n\u1ebfu m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m \u1edf Canada ph\u00e1 s\u1ea3n, Assuris s\u1ebd d\u00e0n x\u1ebfp m\u1ed9t c\u00f4ng ty kh\u00e1c mua l\u1ea1i c\u00f4ng ty ph\u00e1 s\u1ea3n ho\u1eb7c \u0111\u1ee9ng ra chi tr\u1ea3 benefits cho c\u00e1c kh\u00e1ch h\u00e0ng n\u00e0y khi h\u1ecd \u0111\u1ebfn th\u1eddi h\u1ea1n b\u1ed3i th\u01b0\u1eddng n\u1ebfu ch\u01b0a c\u00f3 c\u00f4ng ty mua l\u1ea1i.<\/li>\n<\/ul>\n\n\n\n<p>M\u00ecnh xin t\u1ea1m d\u1eebng b\u00e0i vi\u1ebft t\u1ea1i \u0111\u00e2y v\u00ec b\u00e0i \u0111\u00e3 d\u00e0i. \u1ede ph\u1ea7n 2 ti\u1ebfp theo, m\u00ecnh s\u1ebd vi\u1ebft v\u1ec1 T\u1ed5ng quan c\u00e1c t\u1ed5 ch\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd &amp; s\u1ee9c kh\u1ecfe t\u1ea1i Canada.<\/p>\n\n\n\n<p><em><strong>Sarah Do<\/strong><\/em><\/p>\n\n\n\n<p><em><strong>Licensed Travel, Health &amp; Life Insurance Advisor.<\/strong><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>M\u1ed9t b\u1ee9c tranh t\u1ed5ng th\u1ec3 v\u1ec1 ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Canada th\u00f4ng qua l\u1ecbch s\u1eed h\u00ecnh th\u00e0nh v\u00e0 ph\u00e1t tri\u1ec3n c\u1ee7a ng\u00e0nh. Gi\u1edbi thi\u1ec7u s\u01a1 b\u1ed9 c\u00e1c t\u1ed5 ch\u1ee9c tham gia \u0111i\u1ec1u ti\u1ebft v\u00e0 qu\u1ea3n l\u00fd ng\u00e0nh B\u1ea3o Hi\u1ec3m t\u1ea1i Canada.<\/p>\n","protected":false},"author":2,"featured_media":1811,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[28,25],"tags":[],"class_list":["post-1783","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-nhan-tho","category-bao-hiem"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/1783","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=1783"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/1783\/revisions"}],"predecessor-version":[{"id":3498,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/1783\/revisions\/3498"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/1811"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=1783"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=1783"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=1783"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}