{"id":12886,"date":"2023-02-19T16:04:59","date_gmt":"2023-02-19T09:04:59","guid":{"rendered":"https:\/\/www.saladin.vn\/blog\/?p=12886"},"modified":"2023-11-09T15:27:07","modified_gmt":"2023-11-09T08:27:07","slug":"muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-tai-nan\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao\/","title":{"rendered":"M\u1ee9c b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf theo ch\u1ebf \u0111\u1ed9 tai n\u1ea1n lao \u0111\u1ed9ng \u0111\u01b0\u1ee3c t\u00ednh th\u1ebf n\u00e0o?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 ez-toc-wrap-left counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">M\u1ee4C L\u1ee4C<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #259356;color:#259356\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #259356;color:#259356\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-tai-nan\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao\/#I_Tai_nan_lao_dong_la_gi\" >I. Tai n\u1ea1n lao \u0111\u1ed9ng l\u00e0 g\u00ec?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-tai-nan\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao\/#II_Che_do_tai_nan_lao_dong_quy_dinh_nhu_the_nao_ve_tro_cap_tai_nan_lao_dong\" >II. Ch\u1ebf \u0111\u1ed9 tai n\u1ea1n lao \u0111\u1ed9ng quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 tr\u1ee3 c\u1ea5p tai n\u1ea1n lao \u0111\u1ed9ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-tai-nan\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao\/#III_Vi_sao_can_quan_tam_den_cac_goi_bao_hiem_tai_nan_va_chi_phi_y_te_tu_nguyen\" >III. V\u00ec sao c\u1ea7n quan t\u00e2m \u0111\u1ebfn c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf t\u1ef1 nguy\u1ec7n?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-tai-nan\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao\/#III_Tinh_phi_bao_hiem_tai_nan_va_chi_phi_y_te_de_dang_voi_Saladin\" >III. T\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf d\u1ec5 d\u00e0ng v\u1edbi Saladin<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-tai-nan\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao\/#Tong\" >T\u1ed5ng<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong><em>Ch\u1ebf \u0111\u1ed9 tai n\u1ea1n lao \u0111\u1ed9ng l\u00e0 \u0111i\u1ec1u quan t\u00e2m c\u1ee7a r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi lao \u0111\u1ed9ng l\u00e0m nh\u1eefng c\u00f4ng vi\u1ec7c c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao nh\u01b0 c\u00f4ng nh\u00e2n c\u00f4ng tr\u01b0\u1eddng, shipper, th\u1ee3 h\u00e0n&#8230; C\u00e1c v\u1ee5 tai n\u1ea1n lao \u0111\u1ed9ng g\u00e2y thi\u1ec7t h\u1ea1i r\u1ea5t l\u1edbn v\u1ec1 ng\u01b0\u1eddi v\u00e0 ti\u1ec1n b\u1ea1c, do \u0111\u00f3 b\u1ea1n c\u1ea7n t\u00ecm hi\u1ec3u ngay nh\u1eefng quy \u0111\u1ecbnh tr\u1ee3 c\u1ea5p <a href=\"https:\/\/www.saladin.vn\/bao-hiem-tai-nan\" title=\"b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf\">b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf<\/a> c\u0169ng nh\u01b0 c\u00e1ch t\u1ef1 b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n v\u00e0 gia \u0111\u00ecnh v\u1edbi b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng v\u1edbi b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"891\" height=\"500\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/20013305\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao2-3.png\" alt=\"\" class=\"wp-image-12908\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/20013305\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao2-3.png 891w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/20013305\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao2-3-300x168.png 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/20013305\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao2-3-768x431.png 768w\" sizes=\"auto, (max-width: 891px) 100vw, 891px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading advgb-dyn-d53d5174\"><span class=\"ez-toc-section\" id=\"I_Tai_nan_lao_dong_la_gi\"><\/span><strong>I. Tai n\u1ea1n lao \u0111\u1ed9ng l\u00e0 g\u00ec? <\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Tai n\u1ea1n lao \u0111\u1ed9ng l\u00e0 nh\u1eefng tai n\u1ea1n x\u1ea3y ra trong gi\u1edd l\u00e0m vi\u1ec7c ho\u1eb7c ngo\u00e0i gi\u1edd l\u00e0m vi\u1ec7c, t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c ho\u1eb7c tr\u00ean \u0111\u01b0\u1eddng \u0111i v\u00e0 v\u1ec1 gi\u1eefa n\u01a1i \u1edf v\u00e0 n\u01a1i l\u00e0m vi\u1ec7c c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng, mi\u1ec5n l\u00e0 tai n\u1ea1n \u0111\u00f3 do ng\u01b0\u1eddi lao \u0111\u1ed9ng th\u1ef1c hi\u1ec7n c\u00f4ng vi\u1ec7c theo y\u00eau c\u1ea7u c\u1ee7a ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng, d\u1eabn \u0111\u1ebfn m\u1ed9t trong c\u00e1c h\u1eadu qu\u1ea3:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>G\u00e2y th\u01b0\u01a1ng t\u1eadt cho b\u1ea5t k\u1ef3 b\u1ed9 ph\u1eadn, ch\u1ee9c n\u0103ng c\u01a1 th\u1ec3 n\u00e0o c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng.<\/li>\n\n\n\n<li>Ng\u01b0\u1eddi lao \u0111\u1ed9ng t\u1eed vong.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading advgb-dyn-31aea8d1\"><span class=\"ez-toc-section\" id=\"II_Che_do_tai_nan_lao_dong_quy_dinh_nhu_the_nao_ve_tro_cap_tai_nan_lao_dong\"><\/span>II. <strong>Ch\u1ebf \u0111\u1ed9 tai n\u1ea1n lao \u0111\u1ed9ng quy \u0111\u1ecbnh nh\u01b0 th\u1ebf n\u00e0o v\u1ec1 tr\u1ee3 c\u1ea5p tai n\u1ea1n lao \u0111\u1ed9ng?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading advgb-dyn-132b7d05\">B\u1ecb tai n\u1ea1n trong l\u00fac l\u00e0m vi\u1ec7c \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng th\u1ebf n\u00e0o?<\/h3>\n\n\n\n<p>Ng\u01b0\u1eddi lao \u0111\u1ed9ng (NL\u0110) g\u1eb7p tai n\u1ea1n lao \u0111\u1ed9ng s\u1ebd \u0111\u01b0\u1ee3c ch\u1ee7 doanh nghi\u1ec7p b\u1ed3i th\u01b0\u1eddng khi g\u1eb7p tai n\u1ea1n lao \u0111\u1ed9ng m\u00e0 KH\u00d4NG ph\u1ea3i do c\u00e1c nguy\u00ean nh\u00e2n sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Do NL\u0110 c\u00f3 m\u00e2u thu\u1eabn v\u1edbi ng\u01b0\u1eddi g\u00e2y ra tai n\u1ea1n n\u1eb1m ngo\u00e0i ph\u1ea1m vi c\u00f4ng vi\u1ec7c, nhi\u1ec7m v\u1ee5 \u0111\u01b0\u1ee3c ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng ph\u00e2n c\u00f4ng.<\/li>\n\n\n\n<li>NL\u0110 c\u1ed1 \u00fd l\u00e0m m\u00ecnh b\u1ecb th\u01b0\u01a1ng ho\u1eb7c t\u1ef1 h\u1ee7y ho\u1ea1i s\u1ee9c kh\u1ecfe ch\u00ednh m\u00ecnh.<\/li>\n\n\n\n<li>Tai n\u1ea1n do NL\u0110 s\u1eed d\u1ee5ng c\u00e1c lo\u1ea1i ma t\u00fay, ch\u1ea5t g\u00e2y nghi\u1ec7n, ch\u1ea5t c\u1ea5m.<\/li>\n<\/ul>\n\n\n\n<p>N\u1ebfu kh\u00f4ng thu\u1ed9c c\u00e1c tr\u01b0\u1eddng h\u1ee3p tr\u00ean, trong m\u1ecdi tr\u01b0\u1eddng h\u1ee3p tai n\u1ea1n lao \u0111\u1ed9ng kh\u00e1c th\u00ec NL\u0110 s\u1ebd \u0111\u1ec1u \u0111\u01b0\u1ee3c h\u01b0\u1edfng tr\u1ee3 c\u1ea5p tai n\u1ea1n lao \u0111\u1ed9ng \u0111\u1ed1i v\u1edbi c\u00e1c kho\u1ea3n chi ph\u00ed y t\u1ebf sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Chi ph\u00ed y t\u1ebf t\u1eeb s\u01a1 c\u1ea5p, c\u1ea5p c\u1ee9u \u0111\u1ebfn \u0111i\u1ec1u tr\u1ecb ph\u1ee5c h\u1ed3i<\/li>\n\n\n\n<li>B\u1ed3i th\u01b0\u1eddng c\u1ea3 nh\u1eefng ph\u1ea7n chi ph\u00ed kh\u00f4ng n\u1eb1m trong danh m\u1ee5c \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m y t\u1ebf chi tr\u1ea3<\/li>\n\n\n\n<li>Tr\u1ea3 ph\u00ed gi\u00e1m \u0111\u1ecbnh th\u01b0\u01a1ng t\u1eadt n\u1ebfu ng\u01b0\u1eddi lao \u0111\u1ed9ng b\u1ecb suy gi\u1ea3m kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng t\u1eeb 5% tr\u1edf l\u00ean<\/li>\n\n\n\n<li>Ngo\u00e0i ra, ch\u1ee7 doanh nghi\u1ec7p c\u00f3 tr\u00e1ch nhi\u1ec7m tr\u1ea3 \u0111\u1ee7 l\u01b0\u01a1ng trong th\u1eddi gian ng\u01b0\u1eddi lao \u0111\u1ed9ng ph\u1ea3i ngh\u1ec9 vi\u1ec7c do tai n\u1ea1n m\u00e0 kh\u00f4ng ho\u00e0n to\u00e0n do l\u1ed7i c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng g\u00e2y ra nh\u01b0 sau:<\/li>\n\n\n\n<li>\u00cdt nh\u1ea5t 1,5 th\u00e1ng l\u01b0\u01a1ng n\u1ebfu NL\u0110 b\u1ecb suy gi\u1ea3m kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng t\u1eeb 5% \u0111\u1ebfn 10%; m\u1ed7i 1% suy gi\u1ea3m th\u00eam \u0111\u01b0\u1ee3c c\u1ed9ng th\u00eam 0,4 th\u00e1ng ti\u1ec1n l\u01b0\u01a1ng (cho \u0111\u1ebfn 80%);\n<ul class=\"wp-block-list\">\n<li>\u00cdt nh\u1ea5t 30 th\u00e1ng ti\u1ec1n l\u01b0\u01a1ng cho NL\u0110 b\u1ecb suy gi\u1ea3m kh\u1ea3 n\u0103ng lao \u0111\u1ed9ng t\u1eeb 81% tr\u1edf l\u00ean ho\u1eb7c cho th\u00e2n nh\u00e2n NL\u0110 t\u1eed vong do tai n\u1ea1n lao \u0111\u1ed9ng.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<p>\u0110\u1ec3 gi\u1ea3m g\u00e1nh n\u1eb7ng tr\u1ee3 c\u1ea5p tai n\u1ea1n lao \u0111\u1ed9ng, ch\u1ee7 doanh nghi\u1ec7p c\u1ea7n h\u1ed7 tr\u1ee3 ng\u01b0\u1eddi lao \u0111\u1ed9ng tham gia \u0111\u1ea7y \u0111\u1ee7 b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading advgb-dyn-81abb511\"><span class=\"ez-toc-section\" id=\"III_Vi_sao_can_quan_tam_den_cac_goi_bao_hiem_tai_nan_va_chi_phi_y_te_tu_nguyen\"><\/span><strong>III. V\u00ec sao c\u1ea7n quan t\u00e2m \u0111\u1ebfn c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf t\u1ef1 nguy\u1ec7n?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ngo\u00e0i b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng b\u1eaft bu\u1ed9c c\u00f3 li\u00ean quan \u0111\u1ebfn b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, ch\u1ee7 doanh nghi\u1ec7p v\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 th\u1ec3 truy c\u1eadp website \/ \u1ee9ng d\u1ee5ng <strong>Saladin<\/strong> \u0111\u1ec3 tham kh\u1ea3o c\u00e1c g\u00f3i <strong>b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf<\/strong> t\u1ef1 nguy\u1ec7n.<\/p>\n\n\n\n<p>S\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng t\u1ef1 nguy\u1ec7n s\u1ebd m\u1edf r\u1ed9ng quy\u1ec1n l\u1ee3i cho ng\u01b0\u1eddi lao \u0111\u1ed9ng, \u0111\u1ed3ng th\u1eddi gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng b\u1ed3i th\u01b0\u1eddng cho ch\u1ee7 doanh nghi\u1ec7p v\u1ec1 b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf khi b\u1ed3i th\u01b0\u1eddng theo ch\u1ebf \u0111\u1ed9 tai n\u1ea1n lao \u0111\u1ed9ng cho c\u00f4ng nh\u00e2n vi\u00ean.<\/p>\n\n\n\n<p>C\u1ee5 th\u1ec3:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>V\u1edbi ch\u1ee7 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng s\u1ebd:\n<ul class=\"wp-block-list\">\n<li>Gi\u00fap t\u0103ng ph\u00fac l\u1ee3i, t\u0103ng kh\u1ea3 n\u0103ng gi\u1eef ch\u00e2n ng\u01b0\u1eddi lao \u0111\u1ed9ng, gi\u00fap ng\u01b0\u1eddi lao \u0111\u1ed9ng y\u00ean t\u00e2m l\u00e0m vi\u1ec7c, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong c\u00e1c m\u00f4i tr\u01b0\u1eddng l\u00e0m vi\u1ec7c nhi\u1ec1u r\u1ee7i ro.<\/li>\n\n\n\n<li>Chia s\u1ebb g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh cho doanh nghi\u1ec7p trong tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi lao \u0111\u1ed9ng ph\u1ea3i ngh\u1ec9 vi\u1ec7c \u0111i\u1ec1u tr\u1ecb, doanh nghi\u1ec7p v\u1eeba m\u1ea5t ng\u01b0\u1eddi v\u1eeba m\u1ea5t ti\u1ec1n b\u1ed3i th\u01b0\u1eddng.<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>V\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng, b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng s\u1ebd:\n<ul class=\"wp-block-list\">\n<li>\u0110\u1ea3m b\u1ea3o \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng ngay c\u1ea3 khi ch\u1ee7 doanh nghi\u1ec7p kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng chi tr\u1ea3.<\/li>\n\n\n\n<li>Nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 t\u00ednh ch\u1ea5t ngh\u1ec1 nghi\u1ec7p nguy hi\u1ec3m r\u1ea5t c\u1ea7n mua b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf c\u00e1 nh\u00e2n \u0111\u1ec3 gia t\u0103ng quy\u1ec1n l\u1ee3i b\u1ed3i th\u01b0\u1eddng.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"984\" height=\"500\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/20013407\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao1-2.png\" alt=\"\" class=\"wp-image-12910\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/20013407\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao1-2.png 984w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/20013407\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao1-2-300x152.png 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/20013407\/muc-bao-hiem-tai-nan-va-chi-phi-y-te-theo-che-do-tai-nan-lao-dong-duoc-tinh-the-nao1-2-768x390.png 768w\" sizes=\"auto, (max-width: 984px) 100vw, 984px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading advgb-dyn-d8e334e8\"><span class=\"ez-toc-section\" id=\"III_Tinh_phi_bao_hiem_tai_nan_va_chi_phi_y_te_de_dang_voi_Saladin\"><\/span><strong>III. T\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf d\u1ec5 d\u00e0ng v\u1edbi Saladin<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>C\u00e1ch t\u00ednh ph\u00ed <strong>b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf<\/strong> theo ch\u1ebf \u0111\u1ed9 tai n\u1ea1n lao \u0111\u1ed9ng:<\/p>\n\n\n\n<p><strong><em>Ph\u00ed b\u1ea3o hi\u1ec3m = T\u1ef7 l\u1ec7 ph\u00ed x S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m<\/em><\/strong><\/p>\n\n\n\n<p>Trong \u0111\u00f3:<\/p>\n\n\n\n<h3 class=\"wp-block-heading advgb-dyn-2458f61c\"><strong>1. T\u1ef7 l\u1ec7 ph\u00ed ph\u1ee5 thu\u1ed9c v\u00e0o nh\u00f3m ngh\u1ec1 nghi\u1ec7p c\u1ee7a ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m<\/strong><\/h3>\n\n\n\n<p>C\u00e1c nh\u00f3m ngh\u1ec1 nghi\u1ec7p \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i theo m\u1ee9c \u0111\u1ed9 r\u1ee7i ro nh\u01b0 sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><em>Nh\u00f3m 1: C\u00f4ng vi\u1ec7c qu\u1ea3n l\u00fd ch\u1ee7 y\u1ebfu l\u00e0m vi\u1ec7c t\u1ea1i v\u0103n ph\u00f2ng<\/em><\/strong><\/li>\n<\/ul>\n\n\n\n<p>VD: Nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng, th\u01b0 k\u00fd, b\u00e1c s\u0129, lu\u1eadt s\u01b0, ng\u01b0\u1eddi b\u00e1n h\u00e0ng l\u00e0m c\u00e1c c\u00f4ng vi\u1ec7c nh\u1eb9 v\u00e0 kh\u00f4ng d\u00f9ng m\u00e1y m\u00f3c.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><em>Nh\u00f3m 2: Lao \u0111\u1ed9ng tr\u00ed \u00f3c c\u00f3 ti\u1ebfp x\u00fac v\u1edbi r\u1ee7i ro tai n\u1ea1n t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c<\/em><\/strong>, hay c\u00f3 bao g\u1ed3m \u0111i l\u1ea1i b\u00ean ngo\u00e0i v\u0103n ph\u00f2ng v\u1edbi nhi\u1ec7m v\u1ee5 gi\u00e1m s\u00e1t, \u0111\u00f4i khi c\u00f3 l\u00e0m c\u00f4ng vi\u1ec7c ch\u00e2n tay nh\u1eb9.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>VD: K\u1ef9 s\u01b0, nh\u00e2n vi\u00ean th\u01b0\u01a1ng m\u1ea1i, qu\u1ea3n \u0111\u1ed1c nh\u00e0 m\u00e1y, th\u1ee3 u\u1ed1n t\u00f3c, ng\u01b0\u1eddi b\u00e1n h\u00e0ng c\u00f3 s\u1eed d\u1ee5ng m\u00e1y m\u00f3c nh\u1ecf, qu\u1ea3n l\u00fd c\u00f3 \u0111i th\u0103m c\u00f4ng x\u01b0\u1edfng hay h\u1ea7m m\u1ecf.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><em>Nh\u00f3m 3: C\u00f4ng vi\u1ec7c c\u00f3 nguy c\u01a1 tai n\u1ea1n cao, lao \u0111\u1ed9ng ch\u00e2n tay<\/em><\/strong>, lao \u0111\u1ed9ng trong ng\u00e0nh c\u00f4ng nghi\u1ec7p n\u1eb7ng m\u00e0 kh\u00f4ng thu\u1ed9c nh\u00f3m 2.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>VD: Th\u1ee3 trang tr\u00ed, th\u1ee3 \u0111i\u1ec7n, b\u00e1c s\u0129 th\u00fa y, k\u1ef9 s\u01b0 c\u01a1 kh\u00ed, c\u00f4ng nh\u00e2n s\u1eed d\u1ee5ng c\u00e1c thi\u1ebft b\u1ecb \u0111i\u1ec7n c\u1ea7m tay.&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong><em>Nh\u00f3m 4: C\u00f4ng vi\u1ec7c \u0111\u1eb7c bi\u1ec7t nguy hi\u1ec3m, th\u01b0\u1eddng ti\u1ebfp x\u00fac c\u00e1c hi\u1ec3m h\u1ecda<\/em><\/strong> \u0111\u1eb7c bi\u1ec7t m\u00e0 kh\u00f4ng thu\u1ed9c nh\u00f3m 3.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading advgb-dyn-27af11ba\"><strong>2. S\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng l\u00e0 t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea1n \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng, t\u00f9y v\u00e0o nhu c\u1ea7u ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m<\/strong><\/h3>\n\n\n\n<p>Hi\u1ec7n nay, c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n do b\u1ea3o hi\u1ec3m B\u1ea3o Minh ph\u00e2n ph\u1ed1i tr\u00ean <strong>Saladin<\/strong> c\u00f3 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m dao \u0111\u1ed9ng t\u1eeb 50 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ebfn 1 t\u1ef7 \u0111\u1ed3ng, v\u1edbi ph\u00ed b\u1ea3o hi\u1ec3m t\u01b0\u01a1ng \u1ee9ng t\u1eeb 200.000 \u0111\u1ebfn 6 tri\u1ec7u \u0111\u1ed3ng\/ ng\u01b0\u1eddi\/ n\u0103m.<\/p>\n\n\n\n<p>Khi mua b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n tr\u00ean <strong><a href=\"https:\/\/www.saladin.vn\/blog\/saladin-co-gi-moi\/bao-hiem-mot-cham-saladin\/\" title=\"\">Saladin.vn &#8211; n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7 \u0111a gi\u1ea3i ph\u00e1p d\u00e0nh cho ng\u01b0\u1eddi Vi\u1ec7t<\/a><\/strong>, b\u1ea1n kh\u00f4ng c\u1ea7n t\u1ef1 t\u00ednh to\u00e1n m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m ph\u1ee9c t\u1ea1p m\u00e0 ch\u1ec9 c\u1ea7n b\u1eb1ng v\u00e0i thao t\u00e1c \u0111\u01a1n gi\u1ea3n nh\u01b0: Ch\u1ecdn ngh\u1ec1 nghi\u1ec7p, th\u1eddi h\u1ea1n v\u00e0 m\u1ee9c ph\u00ed ph\u00f9 h\u1ee3p, n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 c\u1ee7a <strong>Saladin<\/strong> s\u1ebd t\u1ef1 \u0111\u1ed9ng l\u1ecdc ra nh\u1eefng g\u00f3i b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf ph\u00f9 h\u1ee3p nh\u1ea5t, \u0111\u1ed3ng th\u1eddi hi\u1ec3n th\u1ecb r\u00f5 r\u00e0ng, minh b\u1ea1ch m\u1ee9c ph\u00ed ph\u1ea3i tr\u1ea3 c\u0169ng nh\u01b0 s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m chi ti\u1ebft cho t\u1eebng h\u1ea1ng m\u1ee5c quy\u1ec1n l\u1ee3i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading advgb-dyn-f1e10413\"><span class=\"ez-toc-section\" id=\"Tong\"><\/span>T\u1ed5ng <span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>C\u00f3 th\u1ec3 n\u00f3i, tai n\u1ea1n lao \u0111\u1ed9ng l\u00e0 nguy c\u01a1 lu\u00f4n th\u01b0\u1eddng tr\u1ef1c v\u1edbi nh\u1eefng ng\u00e0nh ngh\u1ec1 lao \u0111\u1ed9ng ch\u00e2n tay, ti\u1ebfp x\u00fac m\u00e1y m\u00f3c ho\u1eb7c c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p. Do \u0111\u00f3, ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u1ea7n ch\u1ee7 \u0111\u1ed9ng b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n b\u1eb1ng vi\u1ec7c t\u00ecm hi\u1ec3u v\u1ec1 <strong><a href=\"https:\/\/www.saladin.vn\/bao-hiem-tai-nan\" title=\"b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf\">b\u1ea3o hi\u1ec3m tai n\u1ea1n v\u00e0 chi ph\u00ed y t\u1ebf<\/a><\/strong> t\u1ef1 nguy\u1ec7n tr\u00ean <strong>Saladin<\/strong> \u0111\u1ec3 c\u00f3 th\u1ec3 y\u00ean t\u00e2m lao \u0111\u1ed9ng v\u00e0 h\u1ea1n ch\u1ebf t\u1ea1o g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh cho gia \u0111\u00ecnh, ng\u01b0\u1eddi th\u00e2n.<\/p>\n\n\n\n<p class=\"has-neutral-color has-text-color has-link-color wp-elements-b437948250e73815526d419624d9b6b3\"><em>B\u00e0i vi\u1ebft ch\u1ec9 mang t\u00ednh ch\u1ea5t tham kh\u1ea3o. Vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi Saladin \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u00e0 h\u1ed7 tr\u1ee3 t\u00ecm \u0111\u01b0\u1ee3c c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p.<\/em><\/p>\n\n\n<div class=\"wp-block-ub-divider ub_divider ub-divider-orientation-horizontal\" id=\"ub_divider_7fb4fb86-0bbe-4916-b312-3c5a8bed64e5\"><div class=\"ub_divider_wrapper\" style=\"position: relative; margin-bottom: 2px; width: 100%; height: 2px; \" data-divider-alignment=\"center\"><div class=\"ub_divider_line\" style=\"border-top: 2px solid #ccc; margin-top: 2px; \"><\/div><\/div><\/div>\n\n\n<p class=\"has-text-align-center\"><strong>M\u1eccI NHU C\u1ea6U T\u01af V\u1ea4N V\u00c0 TH\u1eaeC M\u1eaeC LI\u00caN H\u1ec6<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-829b1d53 wp-block-columns-is-layout-flex\" style=\"margin-bottom:0\">\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-57dcfbfab3f79008775569f15cda7bcd is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#ffe7a9;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Hotline<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">1900 638 454<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#000000;color:#000000\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-6fe39665-9687-4805-a08b-8cb9136d0eed\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-f9eb0e952eefc6334c0ed0cca37a0b77 is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#d0cef3;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Email<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">cs@saladin.vn<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-black-color has-alpha-channel-opacity has-black-background-color has-background is-style-wide\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-f3a12b16-4fe6-4a09-9d7c-ddf1ba2433b2\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M20,4H4C2.895,4,2,4.895,2,6v12c0,1.105,0.895,2,2,2h16c1.105,0,2-0.895,2-2V6C22,4.895,21.105,4,20,4z M20,8.236l-8,4.882 L4,8.236V6h16V8.236z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-e813327978d5c9622d233ca6561fe404 is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#8cece0;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Website<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">saladin.vn<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-black-color has-alpha-channel-opacity has-black-background-color has-background is-style-wide\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-7c3843d8-7f5c-4f60-8526-a7681251c1a4\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 496 512\"><path d=\"M336.5 160C322 70.7 287.8 8 248 8s-74 62.7-88.5 152h177zM152 256c0 22.2 1.2 43.5 3.3 64h185.3c2.1-20.5 3.3-41.8 3.3-64s-1.2-43.5-3.3-64H155.3c-2.1 20.5-3.3 41.8-3.3 64zm324.7-96c-28.6-67.9-86.5-120.4-158-141.6 24.4 33.8 41.2 84.7 50 141.6h108zM177.2 18.4C105.8 39.6 47.8 92.1 19.3 160h108c8.7-56.9 25.5-107.8 49.9-141.6zM487.4 192H372.7c2.1 21 3.3 42.5 3.3 64s-1.2 43-3.3 64h114.6c5.5-20.5 8.6-41.8 8.6-64s-3.1-43.5-8.5-64zM120 256c0-21.5 1.2-43 3.3-64H8.6C3.2 212.5 0 233.8 0 256s3.2 43.5 8.6 64h114.6c-2-21-3.2-42.5-3.2-64zm39.5 96c14.5 89.3 48.7 152 88.5 152s74-62.7 88.5-152h-177zm159.3 141.6c71.4-21.2 129.4-73.7 158-141.6h-108c-8.8 56.9-25.6 107.8-50 141.6zM19.3 352c28.6 67.9 86.5 120.4 158 141.6-24.4-33.8-41.2-84.7-50-141.6h-108z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Ch\u1ebf \u0111\u1ed9 tai n\u1ea1n lao \u0111\u1ed9ng l\u00e0 \u0111i\u1ec1u quan t\u00e2m c\u1ee7a r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi lao \u0111\u1ed9ng l\u00e0m nh\u1eefng c\u00f4ng vi\u1ec7c c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro cao nh\u01b0 c\u00f4ng nh\u00e2n c\u00f4ng [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":12913,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ub_ctt_via":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"categories":[11],"tags":[180,113,188,65,39,194,41,40,195,196,63],"class_list":["post-12886","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-tai-nan","tag-bao-hiem-tai-nan-ca-nhan","tag-bao-hiem-tai-nan-cho-cong-nhan","tag-bao-hiem-tai-nan-con-nguoi","tag-bao-hiem-tai-nan-cong-nhan","tag-bao-hiem-tai-nan-va-chi-phi-y-te","tag-mua-bao-hiem-tai-nan-ca-nhan","tag-muc-boi-thuong-bao-hiem-tai-nan","tag-muc-phi-bao-hiem-tai-nan-con-nguoi","tag-quyen-loi-bao-hiem-tai-nan","tag-quyen-loi-bao-hiem-tai-nan-ca-nhan","tag-voi-muc-phi-bao-hiem-tai-nan-con-nguoi"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/20013728\/21.png","author_info":{"display_name":"Saladin","author_link":"https:\/\/www.saladin.vn\/blog\/author\/saladineditor\/"},"author_meta":{"display_name":"Saladin","author_link":"https:\/\/www.saladin.vn\/blog\/author\/saladineditor\/"},"featured_img":"https:\/\/cdn-blog.saladin.vn\/contents\/2023\/02\/20013728\/21-300x151.png","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-tai-nan\/\" class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m tai n\u1ea1n<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m tai n\u1ea1n<\/span>"]},"tags":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-tai-nan\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-tai-nan\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m tai n\u1ea1n cho c\u00f4ng nh\u00e2n<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-tai-nan\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m tai n\u1ea1n con ng\u01b0\u1eddi<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-tai-nan\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00f4ng nh\u00e2n<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-tai-nan\/\" 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