{"id":1832,"date":"2023-09-13T00:38:00","date_gmt":"2023-09-12T19:38:00","guid":{"rendered":"https:\/\/101insurance.ca\/?p=1832"},"modified":"2025-03-27T17:31:02","modified_gmt":"2025-03-27T12:31:02","slug":"he-thong-nganh-bao-hiem-tai-canada-phan-2","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/he-thong-nganh-bao-hiem-tai-canada-phan-2\/","title":{"rendered":"H\u1ec7 th\u1ed1ng ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i Canada &#8211; Ph\u1ea7n 2: 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"},"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>H\u1ec7 th\u1ed1ng c\u00e1c t\u1ed5 ch\u1ee9c cung c\u1ea5p d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1ea1i Canada c\u00f3 th\u1ec3 chia ra l\u00e0m 4 ph\u00e2n lo\u1ea1i ch\u00ednh nh\u01b0 sau:<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>1. H\u1ec7 th\u1ed1ng 5 c\u00f4ng ty BH nh\u00e2n th\u1ecd l\u1edbn nh\u1ea5t &#8211; Big Five Life Insurers<\/b><\/h2>\n\n\n\n<p>M\u1ee9c \u0111\u1ed9 &#8220;l\u1edbn&#8221; c\u1ee7a c\u00e1c c\u00f4ng ty n\u00e0y \u0111\u01b0\u1ee3c x\u1ebfp h\u1ea1ng d\u1ef1a tr\u00ean t\u1ed5ng t\u00e0i s\u1ea3n (assets). Nh\u1eefng c\u00f4ng ty n\u00e0y bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Manulife: c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1edbn nh\u1ea5t t\u1ea1i Canada, c\u00f3 doanh s\u1ed1 ph\u00ed b\u1ea3o hi\u1ec3m kho\u1ea3ng $40 t\u1ef7 \u0111\u00f4\/ n\u0103m.<\/li>\n\n\n\n<li>4 c\u00f4ng ty c\u00f2n l\u1ea1i bao g\u1ed3m: Canada Life, Sun Life, Desjardins, v\u00e0 Industrial Alliance (iA).<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/scontent-ord5-1.xx.fbcdn.net\/v\/t39.31854-6\/347144290_6291655277556775_6014408522355459678_n.jpg?_nc_cat=108&amp;ccb=1-7&amp;_nc_sid=4a2989&amp;_nc_ohc=I4VEAmC_6a8AX8k-q1P&amp;_nc_ht=scontent-ord5-1.xx&amp;oh=00_AfA9oH9ytbELnaM7eWYpsO9e4l2AwJ7fI5L_K1NjstPTSg&amp;oe=6504C5E3\" alt=\"\"\/><figcaption class=\"wp-element-caption\">Ngu\u1ed3n: PolicyAdvisor<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><b>2. Ng\u00e2n h\u00e0ng cung c\u1ea5p d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m<\/b><\/h2>\n\n\n\n<p>T\u1ea5t c\u1ea3 h\u1ec7 th\u1ed1ng 5 ng\u00e2n h\u00e0ng l\u1edbn nh\u1ea5t c\u1ee7a Canada (g\u1ecdi l\u00e0 Big-Five) \u0111\u1ec1u cung c\u1ea5p d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Tuy nhi\u00ean, theo lu\u1eadt c\u1ee7a Canada th\u00ec c\u00e1c ng\u00e2n h\u00e0ng n\u00e0y kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p b\u00e1n c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m tr\u1ef1c ti\u1ebfp t\u1ea1i h\u1ec7 th\u1ed1ng chi nh\u00e1nh (branches) ho\u1eb7c tr\u00ean website ch\u00ednh c\u1ee7a ng\u00e2n h\u00e0ng. T\u1ea5t c\u1ea3 \u0111\u1ec1u v\u00e0o th\u00f4ng qua c\u00f4ng ty con (subsidiaries) ho\u1eb7c qua c\u00f4ng ty b\u1ea3o hi\u1ec3m. V\u00ed d\u1ee5, CIBC v\u00e0 Scotiabank b\u00e1n b\u1ea3o hi\u1ec3m nh\u00e0 &amp; xe th\u00f4ng qua h\u1ec7 th\u1ed1ng c\u00f4ng ty con c\u1ee7a Desjardins.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>3. C\u00e1c c\u00f4ng ty nh\u1ecf l\u1ebb &amp; c\u00e1c c\u00f4ng ty non-profit <\/b><\/h2>\n\n\n\n<p>Nh\u1eefng c\u00f4ng ty n\u00e0y th\u01b0\u1eddng cung c\u1ea5p d\u1ecbch v\u1ee5 cho nh\u1eefng th\u1ecb tr\u01b0\u1eddng ng\u00e1ch, v\u00ed d\u1ee5: nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 ti\u1ec1n s\u1eed b\u1ec7nh trong ng\u01b0\u1eddi, ho\u1eb7c c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u1eb7c bi\u1ec7t mang t\u00ednh ch\u1ea5t r\u1ee7i ro cao. Ho\u1eb7c, c\u00f3 nh\u1eefng c\u00f4ng ty chuy\u00ean cung c\u1ea5p ch\u00ednh cho d\u1ecbch v\u1ee5 b\u1ea3o hi\u1ec3m ch\u00ednh v\u1ec1 nh\u00e0, xe, nh\u01b0ng v\u1eabn k\u00e8m th\u00eam b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Nh\u1eefng c\u00f4ng ty nh\u1ecf l\u1ebb nh\u01b0 v\u1eady th\u00ec r\u1ea5t nhi\u1ec1u n\u00ean m\u00ecnh kh\u00f4ng th\u1ec3 n\u00f3i chi ti\u1ebft t\u1ea5t c\u1ea3 t\u1ea1i \u0111\u00e2y.<\/p>\n\n\n\n<p>Vi\u1ec7c l\u1ef1a ch\u1ecdn c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0o, \u0111\u1ec3 m\u00e0 n\u00f3i ra h\u1ebft th\u00ec ch\u1eafc kh\u00f4ng bao gi\u1edd \u0111\u1ee7. M\u1ed7i c\u00f4ng ty s\u1ebd c\u00f3 m\u1ed9t th\u1ebf m\u1ea1nh kh\u00e1c nhau, v\u00ed d\u1ee5 nh\u01b0 Desjardins th\u00ec m\u1ea1nh v\u1ec1 Critical Illness Insurance v\u1edbi g\u00f3i b\u1ea3o hi\u1ec3m cover t\u1edbi 26 b\u1ec7nh hi\u1ec3m ngh\u00e8o (h\u1ebft 5s qu\u1ea3ng c\u00e1o!), th\u00ec CanadaLife l\u1ea1i c\u00f3 nh\u1eefng g\u00f3i b\u1ea3o hi\u1ec3m d\u00e0nh cho ng\u01b0\u1eddi c\u00f3 ti\u1ec1n s\u1eed b\u1ec7nh trong ng\u01b0\u1eddi. \u0110\u1ec3 m\u00e0 \u0111em ra so s\u00e1nh c\u00e1c c\u00f4ng ty th\u00ec c\u00f3 l\u1ebd kh\u00f4ng ph\u1ea3i chuy\u1ec7n d\u1ec5 d\u00e0ng, nh\u1ea5t l\u00e0 n\u1ebfu b\u1ea1n c\u00f3 \u00fd \u0111\u1ecbnh so s\u00e1nh v\u1ec1 gi\u00e1 c\u1ea3. \u0110\u1ec3 so s\u00e1nh gi\u00e1 c\u1ee7a 2 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, b\u1ea1n c\u1ea7n d\u00e0nh th\u1eddi gian \u0111\u00e0o s\u00e2u nghi\u00ean c\u1ee9u \u0111\u1ec3 bi\u1ebft \u0111\u01b0\u1ee3c c\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng t\u1edbi gi\u00e1 c\u1ee7a b\u1ea3o hi\u1ec3m, v\u00ed d\u1ee5 nh\u01b0: tu\u1ed5i t\u00e1c, gi\u1edbi t\u00ednh, gi\u00e1 tr\u1ecb \u0111\u1ec1n b\u00f9, c\u00e1c t\u00ednh n\u0103ng chuy\u1ec3n \u0111\u1ed5i, c\u00e1c d\u1ecbch v\u1ee5 kh\u00e1c k\u00e8m theo b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd&#8230; v\u00e2n v\u00e2n v\u00e0 m\u00e2y m\u00e2y. V\u1eady n\u00ean, ngo\u00e0i vi\u1ec7c l\u1ef1a ch\u1ecdn m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e2u \u0111\u1eddi, c\u00f3 danh ti\u1ebfng v\u00e0 uy t\u00edn, m\u00ecnh ngh\u0129 quan tr\u1ecdng h\u01a1n v\u1eabn l\u00e0 ch\u1ecdn ng\u01b0\u1eddi t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m \u0111\u00e1ng tin c\u1eady. E h\u00e8m!<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><b>4. C\u00f4ng ty\/ nh\u00e2n vi\u00ean m\u00f4i gi\u1edbi b\u1ea3o hi\u1ec3m (brokers)<\/b><\/h2>\n\n\n\n<p>Kh\u00e1c v\u1edbi agent &#8211; l\u00e0 nh\u00e2n vi\u00ean cho m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m, ch\u1ec9 t\u01b0 v\u1ea5n s\u1ea3n ph\u1ea9m c\u1ee7a ri\u00eang m\u1ed9t c\u00f4ng ty, th\u00ec brokers l\u00e0 nh\u1eefng c\u00f4ng ty\/ nh\u00e2n vi\u00ean m\u00f4i gi\u1edbi \u0111\u1ed9c l\u1eadp, t\u01b0 v\u1ea5n cho kh\u00e1ch s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c c\u00f4ng ty kh\u00e1c nhau. Vi\u1ec7c l\u1ef1a ch\u1ecdn l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t agent hay m\u1ed9t broker \u0111\u1ec1u c\u00f3 nh\u1eefng m\u1eb7t l\u1ee3i\/h\u1ea1i ri\u00eang.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/scontent-ord5-2.xx.fbcdn.net\/v\/t39.31854-6\/347400489_6292591994129770_2828962005138092918_n.jpg?_nc_cat=105&amp;ccb=1-7&amp;_nc_sid=4a2989&amp;_nc_ohc=fl5AgJGXLkcAX_yhslG&amp;_nc_ht=scontent-ord5-2.xx&amp;oh=00_AfDCleSgRUJRDMbbDEDjU1TCCDO14f6o_7WIGVPBz6Wrmw&amp;oe=650621F7\" alt=\"\"\/><\/figure>\n\n\n\n<p>C\u00f3 m\u1ed9t anh b\u1ea1n t\u1eebng v\u00ed von r\u1ea5t hay th\u1ebf n\u00e0y, m\u00ecnh m\u01b0\u1ee3n t\u1ea1m v\u00ed d\u1ee5 c\u1ee7a anh \u0111\u01b0a v\u00e0o \u0111\u00e2y. Vi\u1ec7c ch\u1ecdn agent hay m\u1ed9t broker \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m, gi\u1ed1ng nh\u01b0 khi anh mua tivi, anh c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn v\u00e0o c\u1eeda h\u00e0ng Samsung \u0111\u1ec3 mua tivi Samsung, ho\u1eb7c l\u00e0 ch\u1ecdn v\u00e0o \u0110i\u1ec7n m\u00e1y xanh \u0111\u1ec3 mua m\u1ed9t tivi b\u1ea5t k\u1ef3. \u0110\u00f4i khi anh \u1ea5y l\u1ef1a ch\u1ecdn v\u00e0o c\u1eeda h\u00e0ng Samsung l\u00e0 v\u00ec anh \u1ea5y c\u00f3 m\u1ed9t ng\u01b0\u1eddi b\u1ea1n l\u00e0 nh\u00e2n vi\u00ean b\u00e1n h\u00e0ng t\u1ea1i Samsung, ho\u1eb7c \u0111\u01a1n gi\u1ea3n v\u00ec anh \u1ea5y th\u00edch th\u01b0\u01a1ng hi\u1ec7u Samsung. C\u00e1i l\u1ee3i c\u1ee7a \u1ea3nh \u1edf \u0111\u00e2y l\u00e0 \u1ea3nh c\u00f3 th\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c s\u1ef1 t\u01b0 v\u1ea5n \u0111\u00e1ng tin c\u1eady t\u1eeb ng\u01b0\u1eddi b\u1ea1n c\u1ee7a anh \u1ea5y. Ngo\u00e0i ra, nh\u00e2n vi\u00ean Samsung s\u1ebd ch\u1eafc h\u1eb3n c\u00f3 nh\u1eefng ki\u1ebfn th\u1ee9c nhi\u1ec1u, s\u00e2u, v\u00e0 \u0111\u00fang h\u01a1n v\u1ec1 ch\u00ednh s\u1ea3n ph\u1ea9m Samsung. Nh\u01b0ng r\u1ee7i ro s\u1ebd l\u00e0 anh nh\u00e2n vi\u00ean n\u00e0y s\u1ebd ca t\u1ee5ng s\u1ea3n ph\u1ea9m c\u1ee7a \u1ea3nh v\u00e0 ch\u00ea s\u1ea3n ph\u1ea9m th\u01b0\u01a1ng hi\u1ec7u kh\u00e1c. Thi\u00ean ki\u1ebfn v\u1ecb k\u1ef7 l\u00e0 chuy\u1ec7n ho\u00e0n to\u00e0n c\u00f3 th\u1ec3 x\u1ea3y ra d\u00f9 b\u1ea3n th\u00e2n anh nh\u00e2n vi\u00ean Samsung kh\u00f4ng h\u1ec1 nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c. C\u00f2n n\u1ebfu anh kia ch\u1ecdn mua tivi t\u1ea1i c\u1eeda h\u00e0ng \u0110i\u1ec7n M\u00e1y Xanh, anh \u1ea5y s\u1ebd c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn h\u01a1n, m\u1ed7i th\u01b0\u01a1ng hi\u1ec7u c\u00f3 1 th\u1ebf m\u1ea1nh kh\u00e1c nhau. Tuy nhi\u00ean, th\u00f4ng th\u01b0\u1eddng v\u1edbi kh\u1ea3 n\u0103ng gi\u1edbi h\u1ea1n, th\u00ec anh nh\u00e2n vi\u00ean t\u1ea1i \u0110i\u1ec7n M\u00e1y Xanh c\u00f3 th\u1ec3 s\u1ebd kh\u00f4ng hi\u1ec3u r\u00f5 th\u00f4ng tin s\u1ea3n ph\u1ea9m c\u1ee7a t\u1ea5t c\u1ea3 c\u00e1c th\u01b0\u01a1ng hi\u1ec7u tivi. R\u1ee7i ro c\u00f3 th\u1ec3 x\u1ea3y ra l\u00e0 anh nh\u00e2n vi\u00ean kia c\u00f3 th\u1ec3 s\u1ebd t\u01b0 v\u1ea5n kh\u00f4ng \u0111\u00fang nhu c\u1ea7u, ho\u1eb7c l\u00e0 anh \u1ea5y s\u1ebd c\u00f3 thi\u00ean h\u01b0\u1edbng t\u01b0 v\u1ea5n cho kh\u00e1ch nh\u1eefng s\u1ea3n ph\u1ea9m c\u00f3 hoa h\u1ed3ng cao h\u01a1n. T\u00f3m l\u1ea1i l\u00e0 l\u1ef1a ch\u1ecdn n\u00e0o c\u0169ng c\u00f3 hai m\u1eb7t c\u1ea3. N\u00ean m\u00ecnh ngh\u0129 quan tr\u1ecdng nh\u1ea5t v\u1eabn l\u00e0 l\u1ef1a ch\u1ecdn ng\u01b0\u1eddi m\u00e0 b\u1ea1n tin t\u01b0\u1edfng \u0111\u1ec3 giao ph\u00f3 s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m m\u1ea5y ch\u1ee5c n\u0103m, v\u00e0 c\u1ea3 gia t\u00e0i b\u1ea1n \u0111ang \u0111\u1ec3 l\u1ea1i cho \u0111\u1eddi sau. D\u00f9 n\u1ebfu b\u1ea1n ch\u1ecdn 1 h\u1ee3p \u0111\u1ed3ng ch\u1ec9 \u0111\u00f3ng $20\/th\u00e1ng, th\u00ec b\u1ea1n c\u1ea7n ngh\u0129 t\u1edbi s\u1ed1 ti\u1ec1n $250,000 m\u00e0 con b\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c n\u1ebfu c\u00f3 chuy\u1ec7n kh\u00f4ng hay x\u1ea3y ra. \u0110\u00f3 l\u00e0 t\u1ea5t c\u1ea3 cu\u1ed9c \u0111\u1eddi c\u1ee7a con b\u1ea1n sau n\u00e0y.<\/p>\n\n\n\n<p>Qua \u0111\u00e2y, m\u00ecnh ngh\u0129 c\u00e1c b\u1ea1n c\u0169ng \u0111\u00e3 c\u00f3 \u0111\u1ee7 c\u00e1i nh\u00ecn t\u1ed5ng qu\u00e1t v\u1ec1 th\u1ecb tr\u01b0\u1eddng ng\u00e0nh b\u1ea3o hi\u1ec3m n\u00f3i chung, v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd &amp; s\u1ee9c kh\u1ecfe n\u00f3i ri\u00eang t\u1ea1i Canada. Chi ti\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 kh\u00e1c li\u00ean quan nh\u01b0: l\u1ef1a ch\u1ecdn c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m th\u1ebf n\u00e0o cho ph\u00f9 h\u1ee3p, c\u00e1c lu\u1eadt l\u1ec7 li\u00ean quan \u0111\u1ebfn b\u1ea3o v\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng v.v&#8230; m\u00ecnh s\u1ebd vi\u1ebft chi ti\u1ebft h\u01a1n \u1edf nh\u1eefng b\u00e0i vi\u1ebft sau.<\/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>Ti\u1ebfp n\u1ed1i b\u00e0i vi\u1ebft tr\u01b0\u1edbc, b\u00e0i vi\u1ebft n\u00e0y m\u00ecnh s\u1ebd gi\u1edbi thi\u1ec7u s\u01a1 b\u1ed9 v\u1ec1 c\u00e1c c\u00f4ng ty cung c\u1ea5p b\u1ea3o hi\u1ec3m n\u00f3i chung, v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd n\u00f3i ri\u00eang t\u1ea1i Canada.<\/p>\n","protected":false},"author":2,"featured_media":1833,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[25],"tags":[],"class_list":["post-1832","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/1832","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=1832"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/1832\/revisions"}],"predecessor-version":[{"id":3496,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/1832\/revisions\/3496"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/1833"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=1832"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=1832"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=1832"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}