{"id":3057,"date":"2023-10-20T19:27:24","date_gmt":"2023-10-20T14:27:24","guid":{"rendered":"https:\/\/101insurance.ca\/?p=3057"},"modified":"2025-03-27T16:57:42","modified_gmt":"2025-03-27T11:57:42","slug":"co-the-mua-bao-hiem-nhan-tho-neu-ban-da-co-benh-nen-khong","status":"publish","type":"post","link":"https:\/\/101insurance.ca\/vi\/co-the-mua-bao-hiem-nhan-tho-neu-ban-da-co-benh-nen-khong\/","title":{"rendered":"Mang b\u1ec7nh n\u1ec1n c\u00f3 th\u1ec3 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd kh\u00f4ng?"},"content":{"rendered":"\n
\"\"\/<\/figure>\n\n\n\n

B\u1ea1n \u0111ang th\u1eafc m\u1eafc li\u1ec7u b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi t\u00ecnh tr\u1ea1ng b\u1ec7nh n\u1ec1n hi\u1ec7n c\u00f3 kh\u00f4ng? B\u1ea1n c\u00f3 th\u1ec3 t\u01b0\u1edfng m\u00ecnh kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m n\u1ebfu m\u1eafc b\u1ec7nh m\u00e3n t\u00ednh nh\u01b0 ti\u1ec3u \u0111\u01b0\u1eddng, huy\u1ebft \u00e1p cao ho\u1eb7c b\u00e9o ph\u00ec. Nh\u01b0ng trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u1edf m\u1ee9c gi\u00e1 h\u1ee3p l\u00fd.<\/p>\n\n\n\n

B\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi t\u00ecnh tr\u1ea1ng b\u1ec7nh n\u1ec1n kh\u00f4ng?<\/strong><\/h2>\n\n\n\n

B\u1ea1n v\u1eabn c\u00f3 th\u1ec3 nh\u1eadn b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u1edf Canada n\u1ebfu b\u1ea1n c\u00f3 b\u1ec7nh n\u1ec1n. C\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a b\u1ea1n s\u1ebd \u0111\u00e1nh gi\u00e1 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n b\u1eb1ng m\u1ed9t b\u00e0i ki\u1ec3m tra y t\u1ebf v\u00e0 b\u1ea3ng c\u00e2u h\u1ecfi v\u1ec1 s\u1ee9c kh\u1ecfe \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh lo\u1ea1i ch\u00ednh s\u00e1ch v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd s\u1ebd ch\u1ea5p thu\u1eadn cho b\u1ea1n.<\/p>\n\n\n\n

Th\u00f4ng th\u01b0\u1eddng, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho ng\u01b0\u1eddi c\u00f3 b\u1ec7nh n\u1ec1n c\u00f3 th\u1ec3 s\u1ebd th\u00f4ng qua qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t l\u00e2u h\u01a1n v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m c\u0169ng s\u1ebd cao h\u01a1n, nh\u01b0ng \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n s\u1ebd b\u1ecb t\u1eeb ch\u1ed1i ho\u00e0n to\u00e0n. Ngo\u00e0i ra, n\u1ebfu b\u1ea1n b\u1ecb t\u1eeb ch\u1ed1i b\u1edfi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 th\u1eed n\u1ed9p h\u1ed3 s\u01a1 m\u1edbi \u1edf m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c.<\/p>\n\n\n\n

Pre-existing medical conditions (b\u1ec7nh n\u1ec1n) l\u00e0 g\u00ec?<\/strong><\/h2>\n\n\n\n

Pre-existing medical conditions (t\u1ea1m d\u1ecbch l\u00e0 \u201cb\u1ec7nh n\u1ec1n\u201d trong b\u00e0i vi\u1ebft n\u00e0y) th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a trong c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 m\u1ed9t t\u00ecnh tr\u1ea1ng b\u1ec7nh l\u00fd \u0111\u00e3 t\u1ed3n t\u1ea1i tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. \u0110\u00f3 c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t t\u00ecnh tr\u1ea1ng b\u1ec7nh m\u00e0 b\u1ea1n \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n ho\u1eb7c m\u1ed9t t\u00ecnh tr\u1ea1ng m\u00e0 b\u1ea1n \u0111ang c\u00f3 c\u00e1c tri\u1ec7u ch\u1ee9ng. Nhi\u1ec1u t\u00ecnh tr\u1ea1ng b\u1ec7nh trong \u0111\u1ecbnh ngh\u0129a n\u00e0y \u0111\u01b0\u1ee3c coi l\u00e0 nh\u1eb9 v\u00e0 d\u1ec5 ki\u1ec3m so\u00e1t. Ch\u1eb3ng h\u1ea1n, b\u1ea1n \u00edt khi b\u1ecb t\u1eeb ch\u1ed1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00ec b\u1ec7nh ti\u1ec3u \u0111\u01b0\u1eddng.<\/p>\n\n\n\n

L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd khi b\u1ea1n \u0111ang c\u00f3 b\u1ec7nh n\u1ec1n?<\/strong><\/h2>\n\n\n\n

Ngay c\u1ea3 khi b\u1ea1n c\u00f3 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe t\u1eeb tr\u01b0\u1edbc, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd. \u0110\u00e2y l\u00e0 c\u00e1ch th\u1ef1c hi\u1ec7n:<\/p>\n\n\n\n

1. Tham kh\u1ea3o nhi\u1ec1u n\u01a1i<\/strong><\/p>\n\n\n\n

B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1eaft b\u1eb1ng vi\u1ec7c mua m\u1ed9t ng\u00f4i nh\u00e0 ho\u1eb7c m\u1ed9t chi\u1ebfc \u00f4 t\u00f4 m\u1edbi. Tuy nhi\u00ean, b\u1ea1n v\u1eabn n\u00ean tham kh\u1ea3o c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u1edf nhi\u1ec1u n\u01a1i \u0111\u1ec3 t\u00ecm ra ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m h\u1ee3p l\u00fd nh\u1ea5t cho nhu c\u1ea7u c\u1ee7a m\u00ecnh \u1edf m\u1ee9c gi\u00e1 t\u1ed1t nh\u1ea5t.<\/p>\n\n\n\n

Vi\u1ec7c t\u00ecm ki\u1ebfm h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u1edf nhi\u1ec1u c\u00f4ng ty kh\u00e1c nhau r\u1ea5t quan tr\u1ecdng n\u1ebfu b\u1ea1n c\u00f3 b\u1ec7nh n\u1ec1n ho\u1eb7c c\u00e1c b\u1ec7nh hi\u1ec3m ngh\u00e8o. V\u00ec sao? V\u00ec m\u1ed7i c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 x\u1eed l\u00fd c\u00e1c h\u1ed3 s\u01a1 c\u00f3 b\u1ec7nh n\u1ec1n kh\u00e1c nhau trong qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t h\u1ed3 s\u01a1. Gi\u1ed1ng nh\u01b0 khi ch\u1ea5m b\u00e0i thi th\u00ec s\u1ebd c\u00f3 nh\u1eefng gi\u00e1m kh\u1ea3o d\u1ec5, c\u00f3 nh\u1eefng gi\u00e1m kh\u1ea3o kh\u00f3.<\/p>\n\n\n\n

V\u00ed d\u1ee5: m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0a ra m\u1ee9c gi\u00e1 t\u1ed1t h\u01a1n cho nh\u1eefng ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n m\u1eafc b\u1ec7nh ti\u1ec3u \u0111\u01b0\u1eddng v\u00e0 nh\u1eefng c\u00f4ng ty kh\u00e1c c\u00f3 th\u1ec3 \u0111\u01b0a ra m\u1ee9c gi\u00e1 t\u1ed1t h\u01a1n cho nh\u1eefng ng\u01b0\u1eddi c\u00f3 ti\u1ec1n s\u1eed gia \u0111\u00ecnh m\u1eafc b\u1ec7nh tim. V\u00ec l\u00fd do n\u00e0y, b\u1ea1n n\u00ean so s\u00e1nh b\u00e1o gi\u00e1 t\u1eeb m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 t\u00ecm ra c\u00f4ng ty b\u1ea3o hi\u1ec3m mang l\u1ea1i cho b\u1ea1n \u01b0u \u0111\u00e3i t\u1ed1t nh\u1ea5t d\u1ef1a tr\u00ean l\u1ecbch s\u1eed s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n

2. Mua c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t<\/strong><\/p>\n\n\n\n

M\u1eb7c d\u00f9 c\u00e0ng l\u1edbn tu\u1ed5i th\u00ec thu\u1ed3ng t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh s\u1ebd c\u00e0ng \u1ed5n \u0111\u1ecbnh, nh\u01b0ng ng\u01b0\u1ee3c l\u1ea1i, ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd ng\u00e0y c\u00e0ng m\u1eafc h\u01a1n. Hay n\u00f3i c\u00e1ch kh\u00e1c, v\u1edbi c\u00f9ng m\u1ed9t m\u1ee9c b\u1ea3o hi\u1ec3m (insurance coverage), khi b\u1ea1n mua \u1edf 40 tu\u1ed5i s\u1ebd m\u1eafc h\u01a1n nhi\u1ec1u khi b\u1ea1n mua \u1edf 25 tu\u1ed5i. Do v\u1eady, n\u1ebfu \u0111\u00e3 c\u00f3 b\u1ec7nh n\u1ec1n th\u00ec m\u1ee9c ch\u00eanh l\u1ec7ch ph\u00ed b\u1ea3o hi\u1ec3m c\u0169ng s\u1ebd l\u1edbn h\u01a1n r\u1ea5t nhi\u1ec1u. V\u00ec b\u1ec7nh l\u00fd c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 s\u1ebd chuy\u1ec3n bi\u1ebfn x\u1ea5u h\u01a1n khi tu\u1ed5i b\u1ea1n cao h\u01a1n. V\u1eady n\u00ean vi\u1ec7c mua b\u1ea3o hi\u1ec3m t\u1eeb s\u1edbm s\u1ebd gi\u00fap b\u1ea1n ch\u1ed1t m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m r\u1ebb h\u01a1n trong th\u1eddi gian d\u00e0i khi b\u1ea1n v\u1eabn c\u00f2n tr\u1ebb v\u00e0 kh\u1ecfe.<\/p>\n\n\n\n

C\u00e1c t\u00ecnh tr\u1ea1ng b\u1ec7nh n\u00e0o c\u00f3 th\u1ec3 b\u1ecb t\u1eeb ch\u1ed1i tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd?<\/strong><\/h2>\n\n\n\n

C\u00e1c b\u1ec7nh c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u01b0\u1eddng l\u00e0 lo\u1ea1i nghi\u00eam tr\u1ecdng, m\u00e3n t\u00ednh v\u00e0 \u0111e d\u1ecda t\u00ednh m\u1ea1ng. Bao g\u1ed3m:<\/p>\n\n\n\n

    \n
  • S\u1eed d\u1ee5ng ch\u1ea5t g\u00e2y nghi\u1ec7n (v\u00ed d\u1ee5: nghi\u1ec7n r\u01b0\u1ee3u ho\u1eb7c s\u1eed d\u1ee5ng ma t\u00fay)<\/li>\n\n\n\n
  • B\u1ec7nh tim<\/li>\n\n\n\n
  • B\u1ec7nh th\u1eadn<\/li>\n\n\n\n
  • HIV\/AIDS<\/li>\n\n\n\n
  • Ch\u1ea9n \u0111o\u00e1n ung th\u01b0 ho\u1eb7c \u0111ang \u0111i\u1ec1u tr\u1ecb ung th\u01b0<\/li>\n<\/ul>\n\n\n\n

    D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 c\u00e1c b\u1ec7nh m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 v\u1eabn \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn:<\/p>\n\n\n\n

      \n
    • Tr\u1ea7m c\u1ea3m nh\u1eb9\/l\u01b0\u1ee1ng c\u1ef1c<\/li>\n\n\n\n
    • Ti\u1ec1n s\u1eed s\u1eed d\u1ee5ng ma t\u00fay h\u01a1n 7 n\u0103m tr\u01b0\u1edbc (kh\u00f4ng ph\u1ea3i c\u1ea7n sa)<\/li>\n\n\n\n
    • Vi\u00eam kh\u1edbp<\/li>\n\n\n\n
    • Hen suy\u1ec5n<\/li>\n\n\n\n
    • Ung th\u01b0 bi\u1ec3u m\u00f4 t\u1ebf b\u00e0o \u0111\u00e1y<\/li>\n\n\n\n
    • B\u1ec7nh ti\u1ec3u \u0111\u01b0\u1eddng<\/li>\n\n\n\n
    • S\u1eed d\u1ee5ng c\u1ea7n sa<\/li>\n\n\n\n
    • \u0110au c\u01a1 x\u01a1 h\u00f3a<\/li>\n\n\n\n
    • B\u1ec7nh tr\u00e0o ng\u01b0\u1ee3c d\u1ea1 d\u00e0y th\u1ef1c qu\u1ea3n (GERD)<\/li>\n\n\n\n
    • B\u1ec7nh gout<\/li>\n<\/ul>\n\n\n\n

      V\u00e2n v\u00e2n.<\/p>\n\n\n\n

      Nh\u01b0ng ngay c\u1ea3 khi b\u1ea1n m\u1eafc m\u1ed9t trong nh\u1eefng t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea \u1edf tr\u00ean th\u00ec vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i ho\u00e0n to\u00e0n kh\u1ecfi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 r\u1ea5t hi\u1ebfm.<\/p>\n\n\n\n

      Ngay c\u1ea3 khi b\u1ea1n c\u00f3 m\u1ed9t b\u1ec7nh trong danh s\u00e1ch n\u00e0y, \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n s\u1ebd m\u1eb7c \u0111\u1ecbnh b\u1ecb t\u1eeb ch\u1ed1i. B\u1ea1n n\u00ean c\u00e2n nh\u1eafc c\u00e1c l\u1ef1a ch\u1ecdn c\u1ee7a m\u00ecnh \u0111\u1ec3 xem li\u1ec7u c\u00f4ng ty c\u00f3 s\u1eb5n s\u00e0ng b\u00e1n cho b\u1ea1n m\u1ed9t ch\u00ednh s\u00e1ch d\u1ef1a tr\u00ean l\u1ecbch s\u1eed s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n hay kh\u00f4ng. Trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p, c\u00e1c b\u1ec7nh c\u00f3 s\u1eb5n c\u00f3 th\u1ec3 khi\u1ebfn ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n \u0111\u1eaft h\u01a1n v\u00e0 qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t b\u1ea3o hi\u1ec3m c\u0169ng s\u1ebd kh\u00f3 kh\u0103n h\u01a1n.<\/p>\n\n\n\n

      L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 n\u1ed9p \u0111\u01a1n tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd khi c\u00f3 b\u1ec7nh n\u1ec1n?<\/strong><\/h2>\n\n\n\n

      1. H\u00e3y th\u1eb3ng th\u1eafn<\/strong><\/p>\n\n\n\n

      Vi\u1ec7c c\u00f3 b\u1ec7nh n\u1ec1n c\u00f3 th\u1ec3 s\u1ebd khi\u1ebfn b\u1ea1n \u00e1p l\u1ef1c r\u1ea5t l\u1edbn. V\u00ec v\u1eady, vi\u1ec7c tr\u1ea3 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m v\u1edbi m\u1ee9c gi\u00e1 \u201ctr\u00ean tr\u1eddi\u201d ho\u1eb7c b\u1ecb t\u1eeb ch\u1ed1i b\u1ea3o hi\u1ec3m l\u00e0 \u0111i\u1ec1u b\u1ea1n kh\u00f4ng h\u1ec1 mong mu\u1ed1n. Tuy nhi\u00ean, ch\u1eafc h\u1eb3n l\u00e0 b\u1ea1n kh\u00f4ng n\u00ean n\u00f3i d\u1ed1i v\u1ec1 l\u1ecbch s\u1eed s\u1ee9c kh\u1ecfe c\u1ee7a m\u00ecnh trong \u0111\u01a1n \u0111\u0103ng k\u00fd tham gia b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n

      Suy cho c\u00f9ng, khi b\u1ea1n mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, b\u1ea1n s\u1ebd ph\u1ea3i chi ti\u1ec1n h\u00e0ng th\u00e1ng \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho gia \u0111\u00ecnh m\u00ecnh n\u1ebfu b\u1ea1n qua \u0111\u1eddi v\u00e0 thu nh\u1eadp c\u1ee7a b\u1ea1n bi\u1ebfn m\u1ea5t. V\u00ec v\u1eady, ch\u1eafc h\u1eb3n b\u1ea1n kh\u00f4ng mu\u1ed1n c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u1ee7y h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n ho\u1eb7c t\u1eeb ch\u1ed1i y\u00eau c\u1ea7u quy\u1ec1n l\u1ee3i t\u1eed vong v\u00ec h\u1ecd ph\u00e1t hi\u1ec7n ra r\u1eb1ng b\u1ea1n \u0111\u00e3 n\u00f3i d\u1ed1i v\u1ec1 s\u1ee9c kh\u1ecfe c\u1ee7a m\u00ecnh trong \u0111\u01a1n \u0111\u0103ng k\u00fd.<\/p>\n\n\n\n

      N\u1ebfu b\u1ea1n trung th\u1ef1c, m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 k\u1ef3 h\u1ea1n c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 t\u0103ng l\u00ean. Th\u1eadm ch\u00ed, c\u00f3 kh\u1ea3 n\u0103ng b\u1ea1n s\u1ebd b\u1ecb t\u1eeb ch\u1ed1i b\u1ea3o hi\u1ec3m. Nh\u01b0ng n\u1ebfu b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, b\u1ea1n s\u1ebd c\u00f3 th\u1ec3 d\u1ec5 th\u1edf h\u01a1n khi bi\u1ebft r\u1eb1ng gia \u0111\u00ecnh b\u1ea1n c\u00f3 th\u1ec3 tin c\u1eady v\u00e0o b\u1ea3o hi\u1ec3m khi cu\u1ed1i c\u00f9ng h\u1ecd c\u0169ng c\u1ea7n \u0111\u1ebfn n\u00f3.<\/p>\n\n\n\n

      2. Ki\u1ec3m so\u00e1t t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n v\u00e0 n\u1ed9p \u0111\u01a1n l\u1ea1i<\/strong><\/p>\n\n\n\n

      N\u1ebfu b\u1ea1n ph\u1ea3i tr\u1ea3 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m cao ngay t\u1eeb ban \u0111\u1ea7u. c\u0169ng \u0111\u1eebng cho r\u1eb1ng b\u1ea1n ph\u1ea3i tr\u1ea3 m\u1ee9c ph\u00ed n\u00e0y m\u00e3i. Kho\u1ea3ng 80% ng\u01b0\u1eddi Canada c\u00f3 y\u1ebfu t\u1ed1 m\u1eafc b\u1ec7nh m\u00e3n t\u00ednh nh\u01b0ng h\u1ecd v\u1eabn c\u00f3 th\u1ec3 ki\u1ec3m so\u00e1t \u0111\u1ec3 c\u1ea3i thi\u1ec7n s\u1ee9c kh\u1ecfe c\u1ee7a m\u00ecnh (nh\u01b0 \u0103n u\u1ed1ng t\u1ed1t h\u01a1n, t\u1eadp th\u1ec3 d\u1ee5c nhi\u1ec1u h\u01a1n v\u00e0 h\u1ea1n ch\u1ebf u\u1ed1ng r\u01b0\u1ee3u).<\/p>\n\n\n\n

      Ph\u00eda c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng lu\u00f4n mong mu\u1ed1n b\u1ea1n c\u00f3 s\u1ee9c kh\u1ecfe t\u1ed1t h\u01a1n, v\u00ec \u0111i\u1ec1u \u0111\u00f3 l\u00e0m gi\u1ea3m kh\u1ea3 n\u0103ng h\u1ecdc ph\u1ea3i tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho b\u1ea1n s\u1edbm h\u01a1n. \u0110\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd cho ph\u00e9p b\u1ea1n \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u1ea1i trong v\u00f2ng m\u1ed9t ho\u1eb7c hai n\u0103m sau khi mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m. N\u1ebfu h\u1ecd th\u1ea5y r\u1eb1ng b\u1ea1n kh\u1ecfe m\u1ea1nh h\u01a1n \u0111\u00e1ng k\u1ec3 v\u00ec b\u1ea1n \u0111\u00e3 qu\u1ea3n l\u00fd b\u1ec7nh t\u00ecnh c\u1ee7a m\u00ecnh m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3, h\u1ecd c\u00f3 th\u1ec3 gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m cho th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng c\u00f2n l\u1ea1i c\u1ee7a b\u1ea1n. Qu\u00e1 t\u1ed1t ph\u1ea3i kh\u00f4ng n\u00e0o?<\/p>\n\n\n\n

      H\u00e3y nh\u1edb r\u1eb1ng l\u1eddi khuy\u00ean n\u00e0y c\u0169ng \u00e1p d\u1ee5ng cho ng\u01b0\u1eddi h\u00fat thu\u1ed1c. N\u1ebfu b\u1ea1n c\u00f3 th\u1ec3 cho c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1ea5y r\u1eb1ng b\u1ea1n \u0111\u00e3 b\u1ecf h\u00fat thu\u1ed1c \u00edt nh\u1ea5t 12 th\u00e1ng li\u00ean t\u1ee5c, b\u1ea1n c\u00f3 th\u1ec3 gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng. V\u00ec v\u1eady, n\u1ebfu b\u1ea1n c\u1ea7n m\u1ed9t l\u00fd do kh\u00e1c \u0111\u1ec3 b\u1ecf thu\u1ed1c l\u00e1, h\u00e3y ngh\u0129 \u0111\u1ebfn t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c t\u1eeb b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd sau khi b\u1ecf thu\u1ed1c.<\/p>\n\n\n\n

      3. C\u1ee9 th\u1eed \u0111i!<\/strong><\/p>\n\n\n\n

      Ch\u1ec9 c\u00f3 m\u1ed9t c\u00e1ch \u0111\u1ec3 bi\u1ebft li\u1ec7u b\u1ea1n c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m hay kh\u00f4ng: ch\u1ec9 c\u1ea7n n\u1ed9p \u0111\u01a1n! Trong qu\u00e1 tr\u00ecnh n\u1ed9p \u0111\u01a1n, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 c\u00f3 th\u00eam nhi\u1ec1u th\u00f4ng tin t\u1eeb chuy\u00ean vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m v\u1ec1 kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn c\u1ee7a b\u1ea1n l\u00e0 \u1edf m\u1ee9c \u0111\u1ed9 n\u00e0o. N\u1ebfu mu\u1ed1n \u0111i s\u00e2u v\u00e0o t\u00ecm hi\u1ec3u, b\u1ea1n c\u00f3 th\u1ec3 xem k\u1ef9 c\u00e1c t\u00e0i li\u1ec7u h\u01b0\u1edbng d\u1eabn v\u1ec1 quy tr\u00ecnh x\u00e9t duy\u1ec7t b\u1ea3o hi\u1ec3m m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u00e1t h\u00e0nh. L\u01b0u \u00fd r\u1eb1ng b\u1ea1n c\u00f3 th\u1ec3 g\u1eb7p v\u00e0i kh\u00f3 kh\u0103n trong vi\u1ec7c hi\u1ec3u h\u1ebft c\u00e1c ng\u00f4n ng\u1eef trong c\u00e1c t\u00e0i li\u1ec7u n\u00e0y n\u1ebfu b\u1ea1n kh\u00f4ng trao \u0111\u1ed5i v\u1edbi chuy\u00ean vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n

      4. Xem x\u00e9t l\u1ea1i c\u00e1c ch\u1ecdn l\u1ef1a<\/strong><\/p>\n\n\n\n

      D\u00f9 b\u1ea1n n\u1ed9p \u0111\u01a1n tham gia b\u1ea3o hi\u1ec3m v\u1edbi b\u1ec7nh n\u1ec1n hi\u1ec7n t\u1ea1i hay c\u1ed1 g\u1eafng c\u1ea3i thi\u1ec7n s\u1ee9c kh\u1ecfe tr\u01b0\u1edbc ti\u00ean, b\u1ea1n v\u1eabn n\u00ean so s\u00e1nh ph\u00ed b\u1ea3o hi\u1ec3m \u1edf c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c nhau. B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u xem li\u1ec7u h\u1ecd c\u00f3 gi\u1ea3m m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m n\u1ebfu t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n t\u1ed1t h\u01a1n hay kh\u00f4ng, v\u00e0 m\u1ee9c gi\u1ea3m n\u00e0y l\u00e0 bao nhi\u00eau. D\u01b0\u1edbc \u0111\u00e2y l\u00e0 ph\u00e2n lo\u1ea1i c\u00e1c b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi m\u1ee9c \u0111\u1ed9 kh\u00e1c nhau:<\/p>\n\n\n\n

        \n
      • Fully underwritten policies<\/strong> (H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u00f4ng qua quy tr\u00ecnh x\u00e9t duy\u1ec7t \u0111\u1ea7y \u0111\u1ee7): \u0111\u00e2y l\u00e0 lo\u1ea1i h\u1ee3p \u0111\u1ed3ng c\u00f3 ti\u00eau chu\u1ea9n cao nh\u1ea5t v\u1ec1 kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m – nh\u01b0ng c\u0169ng c\u00f3 m\u1ee9c b\u1ea3o hi\u1ec3m cao nh\u1ea5t v\u1edbi chi ph\u00ed th\u1ea5p nh\u1ea5t.<\/li>\n\n\n\n
      • Simplified (no medical) policies<\/strong> (H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u01a1n gi\u1ea3n h\u00f3a (kh\u00f4ng x\u00e9t s\u1ee9c kh\u1ecfe)): m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m cao h\u01a1n, c\u00f3 th\u1ec3 c\u00f3 gi\u1edbi h\u1ea1n v\u1ec1 s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/li>\n\n\n\n
      • Guaranteed issue policies <\/strong>(H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c ph\u00e1t h\u00e0nh): 100% ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n s\u1ebd \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn b\u1ea3o hi\u1ec3m. Tuy nhi\u00ean, lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd r\u1ea5t \u0111\u1eaft ti\u1ec1n. V\u00e0 l\u01b0u \u00fd r\u1eb1ng th\u1eddi gian ch\u1edd s\u1ebd t\u1ed1i thi\u1ec3u l\u00e0 2 n\u0103m.\u200d<\/li>\n\n\n\n
      • C\u00e1c lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o kh\u00e1c c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn h\u01a1n: B\u1ea3o hi\u1ec3m vay th\u1ebf ch\u1ea5p (th\u01b0\u1eddng quy tr\u00ecnh x\u00e9t duy\u1ec7t \u0111\u01a1n gi\u1ea3m nh\u01b0ng r\u1ea5t \u0111\u1eaft) ho\u1eb7c b\u1ea3o hi\u1ec3m nh\u00f3m.<\/li>\n<\/ul>\n\n\n\n

        Trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p m\u00e0 b\u1ec7nh n\u1ec1n kh\u00f4ng th\u1ec3 thuy\u00ean gi\u1ea3m theo th\u1eddi gian, b\u1ea1n c\u0169ng c\u00f3 th\u1ec3 xem x\u00e9t lo\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m kh\u00f4ng x\u00e9t duy\u1ec7t y t\u1ebf s\u1ebd c\u00f3 gi\u00e1 bao nhi\u00eau. N\u1ebfu ph\u00ed b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng v\u00e0 b\u1ea1n kh\u00f4ng mu\u1ed1n ch\u1edd ph\u00ea duy\u1ec7t, th\u00ec b\u1ea1n n\u00ean ch\u1ecdn ph\u01b0\u01a1ng \u00e1n kh\u00f4ng c\u1ea7n x\u00e9t duy\u1ec7t y t\u1ebf.<\/p>\n\n\n\n

        B\u1ea1n n\u00ean l\u00e0m g\u00ec n\u1ebfu b\u1ecb t\u1eeb ch\u1ed1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd?<\/strong><\/h2>\n\n\n\n

        N\u1ebfu b\u1ea1n b\u1ecb t\u1eeb ch\u1ed1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u00f4ng qua m\u1ed9t c\u00f4ng ty, b\u1ea1n v\u1eabn c\u00f3 c\u00e1c l\u1ef1a ch\u1ecdn kh\u00e1c:<\/p>\n\n\n\n

        1. H\u00e3y th\u1eed m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c<\/strong><\/p>\n\n\n\n

        H\u00e3y nh\u1edb r\u1eb1ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c nhau s\u1ebd x\u1eed l\u00fd c\u00f9ng m\u1ed9t t\u00ecnh tr\u1ea1ng b\u1ec7nh l\u00fd m\u1ed9t c\u00e1ch kh\u00e1c nhau. V\u00ec v\u1eady, ngay c\u1ea3 khi b\u1ea1n b\u1ecb m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ea3o hi\u1ec3m, b\u1ea1n v\u1eabn n\u00ean ki\u1ec3m tra xem li\u1ec7u c\u00f3 c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd n\u00e0o kh\u00e1c c\u00f3 th\u1ec3 cho ng\u01b0\u1eddi m\u1eafc b\u1ec7nh c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c ngh\u1ec9 ng\u01a1i nhi\u1ec1u h\u01a1n hay kh\u00f4ng.<\/p>\n\n\n\n

        Laura v\u1ec1 th\u1eddi th\u1ebf \u0111\u00e3 thay \u0111\u1ed5i, vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i b\u00e2y gi\u1edd kh\u00f4ng c\u00f2n l\u00e0 v\u1ea5n \u0111\u1ec1 l\u1edbn n\u1eefa: “Ng\u00e0y x\u01b0a, m\u1ecdi ng\u01b0\u1eddi ngh\u0129 r\u1eb1ng n\u1ebfu b\u1ea1n n\u1ed9p \u0111\u01a1n nhi\u1ec1u l\u1ea7n ho\u1eb7c b\u1ecb t\u1eeb ch\u1ed1i trong qu\u00e1 kh\u1ee9, b\u1ea1n s\u1ebd kh\u00f4ng bao gi\u1edd \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn trong t\u01b0\u01a1ng lai, nh\u01b0ng kh\u00f4ng ph\u1ea3i v\u1eady. B\u1ea1n ch\u1eafc ch\u1eafn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd sau khi b\u1ecb t\u1eeb ch\u1ed1i.”<\/p>\n\n\n\n

        2. C\u00e2n nh\u1eafc vi\u1ec7c mua lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00f4ng y\u00eau c\u1ea7u ki\u1ec3m tra s\u1ee9c kh\u1ecfe (no medical life insurance)<\/strong><\/p>\n\n\n\n

        L\u00fac n\u00e0o b\u1ea1n c\u0169ng n\u00ean \u01b0u n\u1ed9p \u0111\u01a1n mua b\u1ea3o hi\u1ec3m \u1edf nh\u1eefng c\u00f4ng ty b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng tr\u01b0\u1edbc. M\u1eb7c d\u00f9 ph\u1ea3i th\u00f4ng qua quy tr\u00ecnh ki\u1ec3m tra s\u1ee9c kh\u1ecfe, nh\u01b0ng b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p nh\u1eadn v\u1edbi m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m h\u1ee3p l\u00fd.<\/p>\n\n\n\n

        Tuy nhi\u00ean, trong tr\u01b0\u1eddng h\u1ee3p h\u1ed3 s\u01a1 b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n b\u1ecb t\u1eeb ch\u1ed1i, b\u1ea1n c\u00f3 th\u1ec3 n\u1ed9p \u0111\u01a1n mua b\u1ea3o hi\u1ec3m no-medical, l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u00e0o s\u00e2u l\u1ecbch s\u1eed s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n. B\u1ea1n c\u00f3 th\u1ec3 v\u1eabn c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m d\u00f9 s\u1ee9c kh\u1ecfe kh\u00f4ng t\u1ed1t. Tuy nhi\u00ean, m\u1ecdi th\u1ee9 \u0111\u1ec1u c\u00f3 c\u00e1i gi\u00e1 c\u1ee7a n\u00f3. \u0110\u1ed5i l\u1ea1i vi\u1ec7c thu th\u1eadp th\u00f4ng tin s\u1ee9c kh\u1ecfe \u00edt h\u01a1n, th\u00ec c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd m\u1eb7c \u0111\u1ecbnh b\u1ea1n n\u1eb1m ph\u00e2n lo\u1ea1i r\u1ee7i ro cao v\u00e0 t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m m\u1eafc h\u01a1n.<\/p>\n\n\n\n

        V\u00ec v\u1eady, tr\u1eeb khi b\u1ea1n mu\u1ed1n \u0111\u00e2m l\u1ee7ng 1 l\u1ed7 trong t\u00fai ti\u1ec1n c\u1ee7a b\u1ea1n, th\u00ec b\u1ea1n n\u00ean s\u1eed d\u1ee5ng h\u1ebft c\u00e1c l\u1ef1a ch\u1ecdn kh\u00e1c tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n mua b\u1ea3o hi\u1ec3m no-medical.<\/p>\n\n\n\n

        3. Mua b\u1ea3o hi\u1ec3m \u0111\u1ea3m b\u1ea3o (guaranteed issue life insurance)<\/strong><\/p>\n\n\n\n

        Khi m\u00e0 b\u1ea1n \u0111\u00e3 th\u1eed t\u1ea5t c\u1ea3 c\u00e1c ph\u01b0\u01a1ng \u00e1n tr\u00ean nh\u01b0ng v\u1eabn b\u1ecb t\u1eeb ch\u1ed1i, l\u1ef1a ch\u1ecdn cu\u1ed1i c\u00f9ng c\u1ee7a b\u1ea1n l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m \u0111\u1ea3m b\u1ea3o \u2013 guaranteed issue life insurance. Gi\u1ed1ng nh\u01b0 c\u00e1i t\u00ean, v\u1edbi lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c c\u1ea5p b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i th\u00f4ng qua b\u1ea3ng ph\u00f2ng v\u1ea5n hay ki\u1ec3m tra s\u1ee9c kh\u1ecfe. Tuy nhi\u00ean, b\u1ea5t l\u1ee3i c\u1ee7a g\u00f3i b\u1ea3o hi\u1ec3m n\u00e0y l\u00e0:<\/p>\n\n\n\n

          \n
        • Ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng r\u1ea5t cao<\/li>\n\n\n\n
        • M\u1ee9c b\u1ea3o hi\u1ec3m (coverage) s\u1ebd kh\u00f4ng cao. Th\u01b0\u1eddng ch\u1ec9 \u0111\u1ee7 \u0111\u1ec3 b\u1ea3o hi\u1ec3m cho chi ph\u00ed h\u1eadu s\u1ef1: kho\u1ea3ng $5,000-$50,000<\/li>\n\n\n\n
        • Th\u1eddi gian ch\u1edd (waiting period) s\u1ebd r\u1ea5t d\u00e0i, t\u1ed1i thi\u1ec3u l\u00e0 2 n\u0103m. C\u1ee5 th\u1ec3, th\u1eddi gian b\u1ea1n b\u1eaft \u0111\u1ea7u \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m l\u00e0 2 n\u0103m sau khi h\u1ee3p \u0111\u1ed3ng c\u00f3 hi\u1ec3u l\u1ef1c. Hay n\u00f3i c\u00e1ch kh\u00e1c, 2 n\u0103m \u0111\u1ea7u \u0111\u00f3ng ti\u1ec1n b\u1ea1n s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/li>\n\n\n\n
        • C\u00f3 th\u1ec3 c\u00f3 gi\u1edbi h\u1ea1n v\u1ec1 \u0111\u1ed9 tu\u1ed5i \u0111\u01b0\u1ee3c ph\u00e9p mua lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y. V\u00ed d\u1ee5, gi\u1edbi h\u1ea1n tu\u1ed5i t\u1eeb 40-75.<\/li>\n<\/ul>\n\n\n\n

          4. Tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u00f4ng qua n\u01a1i l\u00e0m vi\u1ec7c<\/strong><\/p>\n\n\n\n

          B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u00e0 b\u1ea1n tham gia th\u00f4ng qua c\u00f4ng vi\u1ec7c th\u01b0\u1eddng kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 b\u1ea3o v\u1ec7 ho\u00e0n to\u00e0n cho gia \u0111\u00ecnh b\u1ea1n. \u0110\u1ed3ng th\u1eddi, b\u1ea1n s\u1ebd m\u1ea5t b\u1ea3o hi\u1ec3m n\u1ebfu b\u1ea1n ngh\u1ec9 vi\u1ec7c. Nh\u01b0ng v\u00ec lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y cung c\u1ea5p cho b\u1ea1n b\u1ea3o hi\u1ec3m th\u00f4ng qua g\u00f3i nh\u00f3m, n\u00ean b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m m\u00e0 kh\u00f4ng c\u1ea7n tr\u1ea3i qua quy tr\u00ecnh \u0111\u00e1nh gi\u00e1 s\u1ee9c kh\u1ecfe.<\/p>\n\n\n\n

          V\u00ec v\u1eady, n\u1ebfu b\u1ea1n \u0111\u00e3 th\u1eed h\u1ebft t\u1ea5t c\u1ea3 c\u00e1c l\u1ef1a ch\u1ecdn kh\u00e1c \u0111\u1ec3 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nh\u01b0ng v\u1eabn kh\u00f4ng th\u1ec3, th\u00ec \u00edt nh\u1ea5t \u0111\u00e2y l\u00e0 c\u00e1ch t\u1ed1t \u0111\u1ec3 cung c\u1ea5p cho gia \u0111\u00ecnh b\u1ea1n m\u1ed9t ph\u1ea7n b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh. \u0110i\u1ec1u n\u00e0y v\u1eabn lu\u00f4n t\u1ed1t h\u01a1n nhi\u1ec1u so v\u1edbi vi\u1ec7c kh\u00f4ng c\u00f3 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh n\u00e0o c\u1ea3.<\/p>\n\n\n\n

          T\u1ed5ng k\u1ebft<\/strong><\/h2>\n\n\n\n

          T\u00f3m l\u1ea1i, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 tham b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi t\u00ecnh tr\u1ea1ng b\u1ec7nh n\u1ec1n. T\u00ecm b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi t\u00ecnh tr\u1ea1ng b\u1ec7nh n\u1ec1n c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng h\u01a1n b\u1ea1n ngh\u0129, m\u1eb7c d\u00f9 ph\u00ed b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 s\u1ebd \u0111\u1eaft h\u01a1n.<\/p>\n\n\n\n

          H\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1eabn s\u1ebd m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m cho nh\u1eefng c\u00e1 nh\u00e2n c\u00f3 b\u1ec7nh n\u1ec1n.<\/p>\n\n\n\n

          So s\u00e1nh b\u00e1o gi\u00e1 v\u00e0 m\u1ee9c gi\u00e1 t\u1eeb m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c nhau tr\u01b0\u1edbc khi \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh.<\/p>\n\n\n\n

          B\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn b\u1ea3o hi\u1ec3m non-medical, b\u1ea3o hi\u1ec3m b\u1ea3o \u0111\u1ea3m ph\u00e1t h\u00e0nh ho\u1eb7c b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd nh\u00f3m th\u00f4ng qua ch\u1ee7 lao \u0111\u1ed9ng c\u1ee7a m\u00ecnh n\u1ebfu b\u1ea1n b\u1ecb t\u1eeb ch\u1ed1i b\u1ea3o hi\u1ec3m t\u1eeb m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng.<\/p>\n","protected":false},"excerpt":{"rendered":"

          B\u1ea1n \u0111ang th\u1eafc m\u1eafc li\u1ec7u b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi t\u00ecnh tr\u1ea1ng b\u1ec7nh n\u1ec1n hi\u1ec7n c\u00f3 kh\u00f4ng? B\u1ea1n c\u00f3 th\u1ec3 t\u01b0\u1edfng m\u00ecnh kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m n\u1ebfu m\u1eafc b\u1ec7nh m\u00e3n t\u00ednh nh\u01b0 ti\u1ec3u \u0111\u01b0\u1eddng, huy\u1ebft \u00e1p cao ho\u1eb7c b\u00e9o ph\u00ec. Nh\u01b0ng trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u1edf m\u1ee9c gi\u00e1 h\u1ee3p l\u00fd. B\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u1edbi t\u00ecnh tr\u1ea1ng b\u1ec7nh n\u1ec1n kh\u00f4ng? B\u1ea1n v\u1eabn c\u00f3 th\u1ec3 nh\u1eadn b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u1edf Canada n\u1ebfu b\u1ea1n c\u00f3 b\u1ec7nh n\u1ec1n. C\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a b\u1ea1n s\u1ebd \u0111\u00e1nh gi\u00e1 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n b\u1eb1ng m\u1ed9t b\u00e0i ki\u1ec3m tra y t\u1ebf v\u00e0 b\u1ea3ng c\u00e2u h\u1ecfi v\u1ec1 s\u1ee9c kh\u1ecfe \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh lo\u1ea1i ch\u00ednh s\u00e1ch v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd s\u1ebd ch\u1ea5p thu\u1eadn cho b\u1ea1n. Th\u00f4ng th\u01b0\u1eddng, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd cho ng\u01b0\u1eddi c\u00f3 b\u1ec7nh n\u1ec1n c\u00f3 th\u1ec3 s\u1ebd th\u00f4ng qua qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t l\u00e2u h\u01a1n v\u00e0 ph\u00ed b\u1ea3o hi\u1ec3m c\u0169ng s\u1ebd cao h\u01a1n, nh\u01b0ng \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n s\u1ebd b\u1ecb t\u1eeb ch\u1ed1i ho\u00e0n to\u00e0n. Ngo\u00e0i ra, n\u1ebfu b\u1ea1n b\u1ecb t\u1eeb ch\u1ed1i b\u1edfi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 th\u1eed n\u1ed9p h\u1ed3 s\u01a1 m\u1edbi \u1edf m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c. Pre-existing medical conditions (b\u1ec7nh n\u1ec1n) l\u00e0 g\u00ec? Pre-existing medical conditions (t\u1ea1m d\u1ecbch l\u00e0 \u201cb\u1ec7nh n\u1ec1n\u201d trong b\u00e0i vi\u1ebft n\u00e0y) th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a trong c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 m\u1ed9t t\u00ecnh tr\u1ea1ng b\u1ec7nh l\u00fd \u0111\u00e3 t\u1ed3n t\u1ea1i tr\u01b0\u1edbc khi n\u1ed9p \u0111\u01a1n mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. \u0110\u00f3 c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t t\u00ecnh tr\u1ea1ng b\u1ec7nh m\u00e0 b\u1ea1n \u0111\u00e3 \u0111\u01b0\u1ee3c ch\u1ea9n \u0111o\u00e1n ho\u1eb7c m\u1ed9t t\u00ecnh tr\u1ea1ng m\u00e0 b\u1ea1n \u0111ang c\u00f3 c\u00e1c tri\u1ec7u ch\u1ee9ng. Nhi\u1ec1u t\u00ecnh tr\u1ea1ng b\u1ec7nh trong \u0111\u1ecbnh ngh\u0129a n\u00e0y \u0111\u01b0\u1ee3c coi l\u00e0 nh\u1eb9 v\u00e0 d\u1ec5 ki\u1ec3m so\u00e1t. Ch\u1eb3ng h\u1ea1n, b\u1ea1n \u00edt khi b\u1ecb t\u1eeb ch\u1ed1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd v\u00ec b\u1ec7nh ti\u1ec3u \u0111\u01b0\u1eddng. L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd khi b\u1ea1n \u0111ang c\u00f3 b\u1ec7nh n\u1ec1n? Ngay c\u1ea3 khi b\u1ea1n c\u00f3 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe t\u1eeb tr\u01b0\u1edbc, b\u1ea1n v\u1eabn c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u1edbi chi ph\u00ed h\u1ee3p l\u00fd. \u0110\u00e2y l\u00e0 c\u00e1ch th\u1ef1c hi\u1ec7n: 1. Tham kh\u1ea3o nhi\u1ec1u n\u01a1i B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1eaft b\u1eb1ng vi\u1ec7c mua m\u1ed9t ng\u00f4i nh\u00e0 ho\u1eb7c m\u1ed9t chi\u1ebfc \u00f4 t\u00f4 m\u1edbi. Tuy nhi\u00ean, b\u1ea1n v\u1eabn n\u00ean tham kh\u1ea3o c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u1edf nhi\u1ec1u n\u01a1i \u0111\u1ec3 t\u00ecm ra ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m h\u1ee3p l\u00fd nh\u1ea5t cho nhu c\u1ea7u c\u1ee7a m\u00ecnh \u1edf m\u1ee9c gi\u00e1 t\u1ed1t nh\u1ea5t. Vi\u1ec7c t\u00ecm ki\u1ebfm h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u1edf nhi\u1ec1u c\u00f4ng ty kh\u00e1c nhau r\u1ea5t quan tr\u1ecdng n\u1ebfu b\u1ea1n c\u00f3 b\u1ec7nh n\u1ec1n ho\u1eb7c c\u00e1c b\u1ec7nh hi\u1ec3m ngh\u00e8o. V\u00ec sao? V\u00ec m\u1ed7i c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 x\u1eed l\u00fd c\u00e1c h\u1ed3 s\u01a1 c\u00f3 b\u1ec7nh n\u1ec1n kh\u00e1c nhau trong qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t h\u1ed3 s\u01a1. Gi\u1ed1ng nh\u01b0 khi ch\u1ea5m b\u00e0i thi th\u00ec s\u1ebd c\u00f3 nh\u1eefng gi\u00e1m kh\u1ea3o d\u1ec5, c\u00f3 nh\u1eefng gi\u00e1m kh\u1ea3o kh\u00f3. V\u00ed d\u1ee5: m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0a ra m\u1ee9c gi\u00e1 t\u1ed1t h\u01a1n cho nh\u1eefng ng\u01b0\u1eddi n\u1ed9p \u0111\u01a1n m\u1eafc b\u1ec7nh ti\u1ec3u \u0111\u01b0\u1eddng v\u00e0 nh\u1eefng c\u00f4ng ty kh\u00e1c c\u00f3 th\u1ec3 \u0111\u01b0a ra m\u1ee9c gi\u00e1 t\u1ed1t h\u01a1n cho nh\u1eefng ng\u01b0\u1eddi c\u00f3 ti\u1ec1n s\u1eed gia \u0111\u00ecnh m\u1eafc b\u1ec7nh tim. V\u00ec l\u00fd do n\u00e0y, b\u1ea1n n\u00ean so s\u00e1nh b\u00e1o gi\u00e1 t\u1eeb m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 t\u00ecm ra c\u00f4ng ty b\u1ea3o hi\u1ec3m mang l\u1ea1i cho b\u1ea1n \u01b0u \u0111\u00e3i t\u1ed1t nh\u1ea5t d\u1ef1a tr\u00ean l\u1ecbch s\u1eed s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n. 2. Mua c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t M\u1eb7c d\u00f9 c\u00e0ng l\u1edbn tu\u1ed5i th\u00ec thu\u1ed3ng t\u00ecnh h\u00ecnh t\u00e0i ch\u00ednh s\u1ebd c\u00e0ng \u1ed5n \u0111\u1ecbnh, nh\u01b0ng ng\u01b0\u1ee3c l\u1ea1i, ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd ng\u00e0y c\u00e0ng m\u1eafc h\u01a1n. Hay n\u00f3i c\u00e1ch kh\u00e1c, v\u1edbi c\u00f9ng m\u1ed9t m\u1ee9c b\u1ea3o hi\u1ec3m (insurance coverage), khi b\u1ea1n mua \u1edf 40 tu\u1ed5i s\u1ebd m\u1eafc h\u01a1n nhi\u1ec1u khi b\u1ea1n mua \u1edf 25 tu\u1ed5i. Do v\u1eady, n\u1ebfu \u0111\u00e3 c\u00f3 b\u1ec7nh n\u1ec1n th\u00ec m\u1ee9c ch\u00eanh l\u1ec7ch ph\u00ed b\u1ea3o hi\u1ec3m c\u0169ng s\u1ebd l\u1edbn h\u01a1n r\u1ea5t nhi\u1ec1u. V\u00ec b\u1ec7nh l\u00fd c\u1ee7a b\u1ea1n c\u00f3 th\u1ec3 s\u1ebd chuy\u1ec3n bi\u1ebfn x\u1ea5u h\u01a1n khi tu\u1ed5i b\u1ea1n cao h\u01a1n. V\u1eady n\u00ean vi\u1ec7c mua b\u1ea3o hi\u1ec3m t\u1eeb s\u1edbm s\u1ebd gi\u00fap b\u1ea1n ch\u1ed1t m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m r\u1ebb h\u01a1n trong th\u1eddi gian d\u00e0i khi b\u1ea1n v\u1eabn c\u00f2n tr\u1ebb v\u00e0 kh\u1ecfe. C\u00e1c t\u00ecnh tr\u1ea1ng b\u1ec7nh n\u00e0o c\u00f3 th\u1ec3 b\u1ecb t\u1eeb ch\u1ed1i tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd? C\u00e1c b\u1ec7nh c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea1n kh\u00f4ng \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u01b0\u1eddng l\u00e0 lo\u1ea1i nghi\u00eam tr\u1ecdng, m\u00e3n t\u00ednh v\u00e0 \u0111e d\u1ecda t\u00ednh m\u1ea1ng. Bao g\u1ed3m: D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ed9t s\u1ed1 v\u00ed d\u1ee5 v\u1ec1 c\u00e1c b\u1ec7nh m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 v\u1eabn \u0111\u01b0\u1ee3c ch\u1ea5p thu\u1eadn: V\u00e2n v\u00e2n. Nh\u01b0ng ngay c\u1ea3 khi b\u1ea1n m\u1eafc m\u1ed9t trong nh\u1eefng t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea \u1edf tr\u00ean th\u00ec vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i ho\u00e0n to\u00e0n kh\u1ecfi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 r\u1ea5t hi\u1ebfm. Ngay c\u1ea3 khi b\u1ea1n c\u00f3 m\u1ed9t b\u1ec7nh trong danh s\u00e1ch n\u00e0y, \u0111i\u1ec1u \u0111\u00f3 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n s\u1ebd m\u1eb7c \u0111\u1ecbnh b\u1ecb t\u1eeb ch\u1ed1i. B\u1ea1n n\u00ean c\u00e2n nh\u1eafc c\u00e1c l\u1ef1a ch\u1ecdn c\u1ee7a m\u00ecnh \u0111\u1ec3 xem li\u1ec7u c\u00f4ng ty c\u00f3 s\u1eb5n s\u00e0ng b\u00e1n cho b\u1ea1n m\u1ed9t ch\u00ednh s\u00e1ch d\u1ef1a tr\u00ean l\u1ecbch s\u1eed s\u1ee9c kh\u1ecfe c\u1ee7a b\u1ea1n hay kh\u00f4ng. Trong h\u1ea7u h\u1ebft c\u00e1c tr\u01b0\u1eddng h\u1ee3p, c\u00e1c b\u1ec7nh c\u00f3 s\u1eb5n c\u00f3 th\u1ec3 khi\u1ebfn ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea1n \u0111\u1eaft h\u01a1n v\u00e0 qu\u00e1 tr\u00ecnh x\u00e9t duy\u1ec7t b\u1ea3o hi\u1ec3m c\u0169ng s\u1ebd kh\u00f3 kh\u0103n h\u01a1n. L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 n\u1ed9p \u0111\u01a1n tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd khi c\u00f3 b\u1ec7nh n\u1ec1n? 1. H\u00e3y th\u1eb3ng th\u1eafn Vi\u1ec7c c\u00f3 b\u1ec7nh n\u1ec1n c\u00f3 th\u1ec3 s\u1ebd khi\u1ebfn b\u1ea1n \u00e1p l\u1ef1c r\u1ea5t l\u1edbn. V\u00ec v\u1eady, vi\u1ec7c tr\u1ea3 m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m v\u1edbi m\u1ee9c gi\u00e1 \u201ctr\u00ean tr\u1eddi\u201d ho\u1eb7c b\u1ecb t\u1eeb ch\u1ed1i b\u1ea3o hi\u1ec3m l\u00e0 \u0111i\u1ec1u b\u1ea1n kh\u00f4ng h\u1ec1 mong mu\u1ed1n. Tuy nhi\u00ean, ch\u1eafc h\u1eb3n l\u00e0 b\u1ea1n kh\u00f4ng n\u00ean n\u00f3i d\u1ed1i v\u1ec1 l\u1ecbch s\u1eed s\u1ee9c kh\u1ecfe c\u1ee7a m\u00ecnh trong \u0111\u01a1n \u0111\u0103ng k\u00fd tham gia b\u1ea3o hi\u1ec3m. Suy cho c\u00f9ng, khi b\u1ea1n mua h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, b\u1ea1n s\u1ebd ph\u1ea3i<\/p>\n","protected":false},"author":2,"featured_media":3059,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[28,25,14],"tags":[],"class_list":["post-3057","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-nhan-tho","category-bao-hiem","category-uncategorized-vi"],"_links":{"self":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3057","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=3057"}],"version-history":[{"count":2,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3057\/revisions"}],"predecessor-version":[{"id":3451,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/posts\/3057\/revisions\/3451"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media\/3059"}],"wp:attachment":[{"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/media?parent=3057"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/categories?post=3057"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/101insurance.ca\/vi\/wp-json\/wp\/v2\/tags?post=3057"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}