{"id":24885,"date":"2025-04-06T09:00:00","date_gmt":"2025-04-06T02:00:00","guid":{"rendered":"https:\/\/www.saladin.vn\/blog\/?p=24885"},"modified":"2025-07-10T15:07:11","modified_gmt":"2025-07-10T08:07:11","slug":"dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-suc-khoe\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao\/","title":{"rendered":"\u0110\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? C\u00e1ch t\u00ednh \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m nh\u01b0 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-suc-khoe\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao\/#1_Dong_chi_tra_bao_hiem_la_gi\" >1. \u0110\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m 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-suc-khoe\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao\/#2_Loi_ich_va_han_che_cua_viec_dong_chi_tra_bao_hiem\" >2. L\u1ee3i \u00edch v\u00e0 h\u1ea1n ch\u1ebf c\u1ee7a vi\u1ec7c \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m<\/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-suc-khoe\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao\/#3_Cach_tinh_dong_chi_tra_bao_hiem\" >3. C\u00e1ch t\u00ednh \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m<\/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-suc-khoe\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao\/#4_Cach_tinh_dong_chi_tra_bao_hiem_suc_khoe_khi_di_kham_benh\" >4. C\u00e1ch t\u00ednh \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe khi \u0111i kh\u00e1m b\u1ec7nh<\/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-suc-khoe\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao\/#Ket\" >K\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong><em>\u0110\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m quan tr\u1ecdng trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 b\u1ea3o hi\u1ec3m y t\u1ebf v\u00e0 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe. T\u1ef7 l\u1ec7 \u0111\u1ed3ng chi tr\u1ea3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 r\u00e0ng trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, gi\u00fap c\u1ea3 hai b\u00ean c\u00f9ng c\u00f3 tr\u00e1ch nhi\u1ec7m trong vi\u1ec7c qu\u1ea3n l\u00fd v\u00e0 s\u1eed d\u1ee5ng c\u00e1c d\u1ecbch v\u1ee5. V\u1eady, \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec, c\u00e1ch t\u00ednh \u0111\u1ed3ng chi tr\u1ea3 nh\u01b0 th\u1ebf n\u00e0o?<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2025\/04\/11084924\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao-1.jpg\" alt=\"\" class=\"wp-image-24886\" style=\"width:908px;height:auto\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2025\/04\/11084924\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao-1.jpg 1000w, https:\/\/cdn-blog.saladin.vn\/contents\/2025\/04\/11084924\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao-1-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2025\/04\/11084924\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao-1-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><figcaption class=\"wp-element-caption\">T\u00ecm hi\u1ec3u \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec v\u00e0 v\u00ec sao b\u1ea1n n\u00ean ho\u1eb7c kh\u00f4ng n\u00ean \u0111\u1ed3ng chi tr\u1ea3.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Dong_chi_tra_bao_hiem_la_gi\"><\/span><strong>1. \u0110\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0110\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m l\u00e0 h\u00ecnh th\u1ee9c chia s\u1ebb chi ph\u00ed gi\u1eefa ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m khi ph\u00e1t sinh s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m. T\u1ef7 l\u1ec7 \u0111\u1ed3ng chi tr\u1ea3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh r\u00f5 trong h\u1ee3p \u0111\u1ed3ng, gi\u00fap ph\u00e2n chia tr\u00e1ch nhi\u1ec7m t\u00e0i ch\u00ednh v\u00e0 khuy\u1ebfn kh\u00edch s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 h\u1ee3p l\u00fd.<\/p>\n\n\n\n<p>\u0110\u1ed3ng chi tr\u1ea3 th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng trong b\u1ea3o hi\u1ec3m y t\u1ebf, b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe v\u00e0 m\u1ed9t s\u1ed1 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n. Trong b\u1ea3o hi\u1ec3m y t\u1ebf, \u0111\u1ed3ng chi tr\u1ea3 c\u00f3 th\u1ec3 l\u00e0 kho\u1ea3n ti\u1ec1n m\u00e0 ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m y t\u1ebf (BHYT) c\u00f9ng chi tr\u1ea3 v\u1edbi c\u01a1 quan b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i (BHXH) theo t\u1ef7 l\u1ec7 % \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u1ee7a lo\u1ea1i th\u1ebb BHYT m\u00e0 ng\u01b0\u1eddi tham gia s\u1edf h\u1eefu.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5: N\u1ebfu h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 \u0111\u1ed3ng chi tr\u1ea3 l\u00e0 80\/20, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd thanh to\u00e1n 80% chi ph\u00ed, v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ebd thanh to\u00e1n 20% chi ph\u00ed c\u00f2n l\u1ea1i.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Loi_ich_va_han_che_cua_viec_dong_chi_tra_bao_hiem\"><\/span><strong>2. L\u1ee3i \u00edch v\u00e0 h\u1ea1n ch\u1ebf c\u1ee7a vi\u1ec7c \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>L\u1ee3i \u00edch:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng n\u0103m:<\/strong> Khi b\u1ea1n ch\u1ea5p nh\u1eadn \u0111\u1ed3ng chi tr\u1ea3, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u1ecbnh k\u1ef3 cho b\u1ea1n v\u00ec h\u1ecd kh\u00f4ng ph\u1ea3i g\u00e1nh to\u00e0n b\u1ed9 chi ph\u00ed y t\u1ebf n\u00ean ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c tr\u1ea3 m\u1ee9c ph\u00ed th\u1ea5p h\u01a1n.<\/li>\n\n\n\n<li><strong>M\u1edf r\u1ed9ng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m:<\/strong> M\u1ed9t s\u1ed1 g\u00f3i b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng \u0111\u1ed3ng chi tr\u1ea3 th\u01b0\u1eddng \u0111i k\u00e8m v\u1edbi quy\u1ec1n l\u1ee3i n\u00e2ng cao, ch\u1eb3ng h\u1ea1n nh\u01b0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng. V\u00ed d\u1ee5: N\u1ebfu b\u1ea1n ch\u1ea5p nh\u1eadn \u0111\u1ed3ng chi tr\u1ea3 d\u1ef1a tr\u00ean v\u1ecb tr\u00ed \u0111\u1ecba l\u00fd, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m ra c\u00e1c qu\u1ed1c gia c\u00f3 h\u1ec7 th\u1ed1ng y t\u1ebf ti\u00ean ti\u1ebfn nh\u01b0 Singapore, M\u1ef9,&#8230; nh\u1eefng n\u01a1i m\u00e0 chi ph\u00ed \u0111i\u1ec1u tr\u1ecb cao nh\u01b0ng ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 v\u01b0\u1ee3t tr\u1ed9i.<\/li>\n\n\n\n<li><strong>H\u1ed7 tr\u1ee3 t\u00e0i ch\u00ednh cho c\u00e1c chi ph\u00ed l\u1edbn: <\/strong>M\u1eb7c d\u00f9 ch\u1ec9 ph\u1ea3i tr\u1ea3 m\u1ed9t ph\u1ea7n chi ph\u00ed, nh\u01b0ng ph\u1ea7n c\u00f2n l\u1ea1i do b\u1ea3o hi\u1ec3m chi tr\u1ea3 v\u1eabn gi\u00fap ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m gi\u1ea3m \u0111\u00e1ng k\u1ec3 g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh khi g\u1eb7p v\u1ea5n \u0111\u1ec1 s\u1ee9c kh\u1ecfe nghi\u00eam tr\u1ecdng.<\/li>\n<\/ul>\n\n\n\n<p><strong>H\u1ea1n ch\u1ebf:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>T\u0103ng chi ph\u00ed khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 y t\u1ebf: <\/strong>Ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 m\u1ed9t ph\u1ea7n chi ph\u00ed m\u1ed7i l\u1ea7n kh\u00e1m ch\u1eefa b\u1ec7nh, \u0111\u1eb7c bi\u1ec7t n\u1ebfu m\u1ee9c \u0111\u1ed3ng chi tr\u1ea3 cao, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 g\u00e2y \u00e1p l\u1ef1c t\u00e0i ch\u00ednh n\u1ebfu b\u1ea1n c\u1ea7n \u0111i\u1ec1u tr\u1ecb th\u01b0\u1eddng xuy\u00ean.<\/li>\n\n\n\n<li><strong>Kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi ng\u01b0\u1eddi c\u00f3 b\u1ec7nh m\u00e3n t\u00ednh: <\/strong>N\u1ebfu b\u1ea1n m\u1eafc b\u1ec7nh m\u00e3n t\u00ednh ho\u1eb7c c\u1ea7n \u0111i\u1ec1u tr\u1ecb d\u00e0i h\u1ea1n, s\u1ed1 ti\u1ec1n \u0111\u1ed3ng chi tr\u1ea3 t\u00edch l\u0169y c\u00f3 th\u1ec3 l\u1edbn h\u01a1n s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c t\u1eeb vi\u1ec7c gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m.<\/li>\n\n\n\n<li><strong>Kh\u1ea3 n\u0103ng b\u1ecb t\u1eeb ch\u1ed1i d\u1ecbch v\u1ee5 n\u1ebfu kh\u00f4ng \u0111\u1ee7 ti\u1ec1n tr\u1ea3 tr\u01b0\u1edbc: <\/strong>M\u1ed9t s\u1ed1 c\u01a1 s\u1edf y t\u1ebf c\u00f3 th\u1ec3 y\u00eau c\u1ea7u b\u1ea1n thanh to\u00e1n ph\u1ea7n \u0111\u1ed3ng chi tr\u1ea3 tr\u01b0\u1edbc khi cung c\u1ea5p d\u1ecbch v\u1ee5, g\u00e2y kh\u00f3 kh\u0103n n\u1ebfu b\u1ea1n kh\u00f4ng c\u00f3 s\u1eb5n ti\u1ec1n m\u1eb7t.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Cach_tinh_dong_chi_tra_bao_hiem\"><\/span><strong>3. C\u00e1ch t\u00ednh \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>C\u00e1ch t\u00ednh \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m v\u00e0 quy \u0111\u1ecbnh c\u1ee7a t\u1eebng c\u00f4ng ty b\u1ea3o hi\u1ec3m. Ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u00f3 3 ph\u01b0\u01a1ng ph\u00e1p t\u00ednh sau:<\/p>\n\n\n\n<p><strong>T\u00ednh theo t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m:<\/strong><\/p>\n\n\n\n<p>\u0110\u00e2y l\u00e0 ph\u01b0\u01a1ng ph\u00e1p ph\u1ed5 bi\u1ebfn nh\u1ea5t, trong \u0111\u00f3 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m chia s\u1ebb chi ph\u00ed theo m\u1ed9t t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m \u0111\u00e3 \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<p>V\u00ed d\u1ee5: N\u1ebfu h\u1ee3p \u0111\u1ed3ng quy \u0111\u1ecbnh t\u1ef7 l\u1ec7 \u0111\u1ed3ng chi tr\u1ea3 l\u00e0 70\/30, \u0111i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd thanh to\u00e1n 70% chi ph\u00ed, v\u00e0 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ebd thanh to\u00e1n 30% chi ph\u00ed c\u00f2n l\u1ea1i.<\/p>\n\n\n\n<p><strong>C\u00f4ng th\u1ee9c t\u00ednh: S\u1ed1 ti\u1ec1n ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i tr\u1ea3 = T\u1ed5ng chi ph\u00ed x T\u1ef7 l\u1ec7 \u0111\u1ed3ng chi tr\u1ea3 c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/strong><\/p>\n\n\n\n<p>V\u00ed d\u1ee5, chi ph\u00ed \u0111i\u1ec1u tr\u1ecb l\u00e0 10.000.000\u0111, t\u1ef7 l\u1ec7 \u0111\u1ed3ng chi tr\u1ea3 c\u1ee7a b\u1ea1n l\u00e0 30% th\u00ec s\u1ed1 ti\u1ec1n b\u1ea1n c\u1ea7n tr\u1ea3 l\u00e0 3.000.000\u0111.<\/p>\n\n\n\n<p><strong>T\u00ednh theo s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m:<\/strong><\/p>\n\n\n\n<p>\u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, m\u1ee9c \u0111\u1ed3ng chi tr\u1ea3 c\u00f3 th\u1ec3 d\u1ef1a tr\u00ean t\u1ed5ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00e3 mua.&nbsp;&nbsp;&nbsp;<\/p>\n\n\n\n<p>V\u00ed d\u1ee5: H\u1ee3p \u0111\u1ed3ng quy \u0111\u1ecbnh ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ed3ng chi tr\u1ea3 10% tr\u00ean s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p><strong>T\u00ednh theo m\u1ee9c \u0111\u00f3ng b\u1ea3o hi\u1ec3m:<\/strong><\/p>\n\n\n\n<p>V\u1edbi m\u1ed9t s\u1ed1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00e1c, \u0111\u1ed3ng chi tr\u1ea3 c\u00f3 th\u1ec3 d\u1ef1a tr\u00ean trung b\u00ecnh m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m m\u00e0 ng\u01b0\u1eddi tham gia \u0111\u00e3 \u0111\u00f3ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Cach_tinh_dong_chi_tra_bao_hiem_suc_khoe_khi_di_kham_benh\"><\/span><strong>4. C\u00e1ch t\u00ednh \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe khi \u0111i kh\u00e1m b\u1ec7nh<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2025\/04\/11084926\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao-2.jpg\" alt=\"\" class=\"wp-image-24887\" style=\"width:908px;height:auto\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2025\/04\/11084926\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao-2.jpg 1000w, https:\/\/cdn-blog.saladin.vn\/contents\/2025\/04\/11084926\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao-2-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2025\/04\/11084926\/dong-chi-tra-bao-hiem-la-gi-cach-tinh-dong-chi-tra-bao-hiem-nhu-the-nao-2-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><figcaption class=\"wp-element-caption\">C\u00e1ch t\u00ednh \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe.<\/figcaption><\/figure>\n\n\n\n<p>Vi\u1ec7c t\u00ednh to\u00e1n \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe khi \u0111i kh\u00e1m b\u1ec7nh c\u00f3 th\u1ec3 kh\u00e1 ph\u1ee9c t\u1ea1p, v\u00ec n\u00f3 ph\u1ee5 thu\u1ed9c v\u00e0o nhi\u1ec1u y\u1ebfu t\u1ed1 kh\u00e1c nhau. Trong \u0111\u00f3, c\u00e1c y\u1ebfu t\u1ed1 ch\u00ednh \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn \u0111\u1ed3ng chi tr\u1ea3 ph\u1ea3i k\u1ec3 \u0111\u1ebfn:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u1ef7 l\u1ec7 \u0111\u1ed3ng chi tr\u1ea3: \u0110\u00e2y l\u00e0 t\u1ef7 l\u1ec7 ph\u1ea7n tr\u0103m m\u00e0 b\u1ea1n ph\u1ea3i chi tr\u1ea3 cho c\u00e1c chi ph\u00ed y t\u1ebf. V\u00ed d\u1ee5, n\u1ebfu t\u1ef7 l\u1ec7 \u0111\u1ed3ng chi tr\u1ea3 l\u00e0 20%, b\u1ea1n s\u1ebd ph\u1ea3i tr\u1ea3 20% chi ph\u00ed, v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd tr\u1ea3 80%.<\/li>\n\n\n\n<li>M\u1ee9c kh\u1ea5u tr\u1eeb: M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m y\u00eau c\u1ea7u b\u1ea1n tr\u1ea3 m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh (m\u1ee9c kh\u1ea5u tr\u1eeb) tr\u01b0\u1edbc khi c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1eaft \u0111\u1ea7u chi tr\u1ea3.<\/li>\n\n\n\n<li>Gi\u1edbi h\u1ea1n chi tr\u1ea3: H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 c\u00f3 gi\u1edbi h\u1ea1n v\u1ec1 s\u1ed1 ti\u1ec1n t\u1ed1i \u0111a m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 cho m\u1ed9t d\u1ecbch v\u1ee5 ho\u1eb7c trong m\u1ed9t n\u0103m.<\/li>\n\n\n\n<li>Lo\u1ea1i d\u1ecbch v\u1ee5 y t\u1ebf: T\u1ef7 l\u1ec7 \u0111\u1ed3ng chi tr\u1ea3 c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o lo\u1ea1i d\u1ecbch v\u1ee5 y t\u1ebf b\u1ea1n s\u1eed d\u1ee5ng (v\u00ed d\u1ee5: kh\u00e1m b\u1ec7nh ngo\u1ea1i tr\u00fa, nh\u1eadp vi\u1ec7n, x\u00e9t nghi\u1ec7m, thu\u1ed1c men).<\/li>\n\n\n\n<li>C\u01a1 s\u1edf y t\u1ebf: M\u1ed9t s\u1ed1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f3 m\u1ea1ng l\u01b0\u1edbi c\u00e1c c\u01a1 s\u1edf y t\u1ebf \u0111\u01b0\u1ee3c \u01b0u ti\u00ean. N\u1ebfu b\u1ea1n kh\u00e1m ch\u1eefa b\u1ec7nh t\u1ea1i c\u00e1c c\u01a1 s\u1edf ngo\u00e0i m\u1ea1ng l\u01b0\u1edbi, t\u1ef7 l\u1ec7 \u0111\u1ed3ng chi tr\u1ea3 c\u00f3 th\u1ec3 cao h\u01a1n.<\/li>\n<\/ul>\n\n\n\n<p>Do \u0111\u00f3, \u0111i\u1ec1u quan tr\u1ecdng nh\u1ea5t l\u00e0 ph\u1ea3i \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh mua b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe. H\u1ee3p \u0111\u1ed3ng s\u1ebd quy \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u1ec1 t\u1ef7 l\u1ec7 \u0111\u1ed3ng chi tr\u1ea3, c\u00e1c kho\u1ea3n chi ph\u00ed \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, v\u00e0 c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u00e1p d\u1ee5ng. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c nhau c\u0169ng c\u00f3 th\u1ec3 c\u00f3 c\u00e1c quy \u0111\u1ecbnh kh\u00e1c nhau, v\u00ec v\u1eady kh\u00f4ng c\u00f3 m\u1ed9t c\u00f4ng th\u1ee9c t\u00ednh to\u00e1n \u0111\u1ed3ng chi tr\u1ea3 chung cho t\u1ea5t c\u1ea3.<\/p>\n\n\n\n<p>\u0110\u1ec3 l\u1ef1a ch\u1ecdn ch\u00ednh x\u00e1c, b\u1ea1n c\u00f3 th\u1ec3 t\u00ecm hi\u1ec3u ho\u1eb7c nh\u1eadn t\u01b0 v\u1ea5n t\u1eeb <strong>Saladin<\/strong>, \u0111\u01a1n v\u1ecb h\u00e0ng \u0111\u1ea7u cung c\u1ea5p b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn t\u1ea1i Vi\u1ec7t Nam. \u0110\u1ed9i ng\u0169 chuy\u00ean gia c\u1ee7a <strong>Saladin<\/strong> s\u1ebd gi\u1ea3i \u0111\u00e1p th\u1eafc m\u1eafc v\u1ec1 \u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m v\u00e0 gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 quy \u0111\u1ecbnh \u0111\u1ec3 ch\u1ecdn <a href=\"https:\/\/www.saladin.vn\/bao-hiem-suc-khoe\" target=\"_blank\" rel=\"noopener\" title=\"\">b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/a> ph\u00f9 h\u1ee3p. <strong>Saladin<\/strong> h\u1ee3p t\u00e1c v\u1edbi nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1edbn nh\u01b0 B\u1ea3o Vi\u1ec7t, PVI, B\u1ea3o Minh, Liberty, Vietinbank, VNI, BSH, \u0111\u1ea3m b\u1ea3o s\u1ef1 an t\u00e2m v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n minh b\u1ea1ch. <strong>Saladin<\/strong> gi\u00fap \u0111\u01a1n gi\u1ea3n h\u00f3a quy tr\u00ecnh mua b\u1ea3o hi\u1ec3m, cho ph\u00e9p so s\u00e1nh ph\u00ed v\u00e0 quy\u1ec1n l\u1ee3i gi\u1eefa c\u00e1c nh\u00e0 cung c\u1ea5p. \u0110\u1ed3ng th\u1eddi, <strong>Saladin<\/strong> c\u0169ng cung c\u1ea5p nhi\u1ec1u \u01b0u \u0111\u00e3i \u0111\u1ec3 vi\u1ec7c mua b\u1ea3o hi\u1ec3m thu\u1eadn ti\u1ec7n h\u01a1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ket\"><\/span><strong>K\u1ebft<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Vi\u1ec7c hi\u1ec3u r\u00f5 v\u1ec1 \u0111\u1ed3ng chi tr\u1ea3 v\u00e0 c\u00e1ch t\u00ednh to\u00e1n s\u1ebd gi\u00fap ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c quy\u1ec1n l\u1ee3i v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a m\u00ecnh, t\u1eeb \u0111\u00f3 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh s\u00e1ng su\u1ed1t khi l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p. Tuy nhi\u00ean, \u0111\u1ec3 c\u00f3 th\u00f4ng tin chi ti\u1ebft v\u00e0 ch\u00ednh x\u00e1c nh\u1ea5t, ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m n\u00ean t\u00ecm hi\u1ec3u k\u1ef9 l\u01b0\u1ee1ng c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng ho\u1eb7c li\u00ean h\u1ec7 tr\u1ef1c ti\u1ebfp v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n c\u1ee5 th\u1ec3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">C\u1ea9m nang s\u1ee9c kh\u1ecfe<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.saladin.vn\/blog\/tag\/meo-song-khoe\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">M\u1eb9o s\u1ed1ng kh\u1ecfe<\/span><\/a><span style=\"background-color:#f0fdf4\"><span style=\"background-color:#f0fdf4\">&nbsp;&nbsp; <\/span><a href=\"https:\/\/www.saladin.vn\/blog\/tag\/hoi-dap-suc-khoe\/\" target=\"_blank\" rel=\"noopener\" title=\"\"><span style=\"background-color:#f0fdf4\">H\u1ecfi \u0111\u00e1p s\u1ee9c kh\u1ecfe<\/span><\/a>&nbsp;&nbsp; <\/span><a href=\"https:\/\/www.saladin.vn\/blog\/tag\/tu-van-bao-hiem\/\" target=\"_blank\" rel=\"noopener\" title=\"\"><span style=\"background-color:#f0fdf4\">T\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m<\/span><\/a>&nbsp;&nbsp;<\/p>\n\n\n\n<p><a href=\"https:\/\/www.saladin.vn\/blog\/tag\/kham-chua-benh\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">Kh\u00e1m ch\u1eefa b\u1ec7nh<\/span><\/a>&nbsp;&nbsp; <a href=\"https:\/\/www.saladin.vn\/blog\/tag\/nha-khoa\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">Nha khoa<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/suc-khoe-cho-be\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">S\u1ee9c kh\u1ecfe cho b\u00e9<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/suc-khoe-dan-ong\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">S\u1ee9c kh\u1ecfe \u0111\u00e0n \u00f4ng<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/suc-khoe-gia-dinh\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">S\u1ee9c kh\u1ecfe gia \u0111\u00ecnh<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/suc-khoe-me-bau\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">S\u1ee9c kh\u1ecfe m\u1eb9 b\u1ea7u<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/suc-khoe-phu-nu\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">S\u1ee9c kh\u1ecfe ph\u1ee5 n\u1eef<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/ung-thu-va-benh-hiem-ngheo\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">Ung th\u01b0 v\u00e0 b\u1ec7nh hi\u1ec3m ngh\u00e8o<\/span><\/a><\/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\n\n\n<p><em>B\u00e0i vi\u1ebft n\u00e0y \u0111\u01b0\u1ee3c xem x\u00e9t l\u1ea7n cu\u1ed1i v\u00e0o Ch\u1ee7 Nh\u1eadt, ng\u00e0y 06 th\u00e1ng 04 n\u0103m 2025.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0110\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m quan tr\u1ecdng trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m, \u0111\u1eb7c bi\u1ec7t l\u00e0 b\u1ea3o hi\u1ec3m y t\u1ebf v\u00e0 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe. T\u1ef7 l\u1ec7 [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":19936,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"ub_ctt_via":"","inline_featured_image":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"categories":[8],"tags":[459,577,576,464,134,116,121,122],"class_list":["post-24885","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-suc-khoe","tag-bao-hiem-suc-khoe","tag-cach-tinh-dong-chi-tra","tag-dong-chi-tra-bao-hiem-la-gi","tag-mua-bao-hiem-suc-khoe","tag-mua-bao-hiem-suc-khoe-de-dang","tag-mua-bao-hiem-suc-khoe-o-dau","tag-mua-bao-hiem-suc-khoe-online","tag-mua-bao-hiem-suc-khoe-truc-tuyen"],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2024\/02\/05201616\/43.png","author_info":{"display_name":"Saladin","author_link":"https:\/\/www.saladin.vn\/blog\/author\/saladineditor\/"},"aioseo_notices":[],"author_meta":{"display_name":"Saladin","author_link":"https:\/\/www.saladin.vn\/blog\/author\/saladineditor\/"},"featured_img":"https:\/\/cdn-blog.saladin.vn\/contents\/2024\/02\/05201616\/43-300x151.png","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-suc-khoe\/\" class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/span>"]},"tags":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-suc-khoe\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-suc-khoe\/\" class=\"advgb-post-tax-term\">c\u00e1ch t\u00ednh \u0111\u1ed3ng chi tr\u1ea3<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-suc-khoe\/\" class=\"advgb-post-tax-term\">\u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-suc-khoe\/\" class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-suc-khoe\/\" class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe d\u1ec5 d\u00e0ng<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-suc-khoe\/\" class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe \u1edf \u0111\u00e2u<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-suc-khoe\/\" class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe online<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-suc-khoe\/\" class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe tr\u1ef1c tuy\u1ebfn<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/span>","<span class=\"advgb-post-tax-term\">c\u00e1ch t\u00ednh \u0111\u1ed3ng chi tr\u1ea3<\/span>","<span class=\"advgb-post-tax-term\">\u0111\u1ed3ng chi tr\u1ea3 b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec<\/span>","<span class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/span>","<span class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe d\u1ec5 d\u00e0ng<\/span>","<span class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe \u1edf \u0111\u00e2u<\/span>","<span class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe online<\/span>","<span class=\"advgb-post-tax-term\">mua b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe tr\u1ef1c tuy\u1ebfn<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 12 months ago","modified":"Updated 9 months ago"},"absolute_dates":{"created":"Posted on 06\/04\/2025","modified":"Updated on 10\/07\/2025"},"absolute_dates_time":{"created":"Posted on 06\/04\/2025 9:00 AM","modified":"Updated on 10\/07\/2025 3:07 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