{"id":27012,"date":"2026-05-27T09:00:00","date_gmt":"2026-05-27T02:00:00","guid":{"rendered":"https:\/\/www.saladin.vn\/blog\/?p=27012"},"modified":"2026-05-29T15:34:38","modified_gmt":"2026-05-29T08:34:38","slug":"nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-suc-khoe\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong\/","title":{"rendered":"N\u00ean l\u00e0m g\u00ec khi b\u1ecb c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng?"},"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\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong\/#1_Quy_trinh_yeu_cau_boi_thuong_bao_hiem_thong_thuong\" >1. Quy tr\u00ecnh y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m th\u00f4ng th\u01b0\u1eddng<\/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\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong\/#2_Vi_sao_cong_ty_bao_hiem_tu_choi_boi_thuong\" >2. V\u00ec sao c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng?<\/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\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong\/#3_Bi_tu_choi_chi_tra_bao_hiem_co_nghia_la_mat_quyen_loi_bao_hiem_hoan_toan\" >3. B\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 b\u1ea3o hi\u1ec3m c\u00f3 ngh\u0129a l\u00e0 m\u1ea5t quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m ho\u00e0n to\u00e0n?<\/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\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong\/#4_Nen_lam_gi_ngay_khi_bi_cong_ty_bao_hiem_tu_choi_boi_thuong\" >4. N\u00ean l\u00e0m g\u00ec ngay khi b\u1ecb c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng?<\/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\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong\/#5_Mua_bao_hiem_o_dau_de_duoc_ho_tro_boi_thuong_nhanh_dung_va_cong_bang\" >5. Mua b\u1ea3o hi\u1ec3m \u1edf \u0111\u00e2u \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1ed3i th\u01b0\u1eddng nhanh, \u0111\u00fang v\u00e0 c\u00f4ng b\u1eb1ng?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-suc-khoe\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong><em>Tuy mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 c\u00f3 t\u00e2m l\u00fd an t\u00e2m khi g\u1eb7p s\u1ef1 c\u1ed1, th\u1ef1c t\u1ebf l\u1ea1i c\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng b\u1ecb b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng nhi\u1ec1u l\u00fd do. V\u1eady khi b\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 b\u1ea3o hi\u1ec3m, kh\u00e1ch h\u00e0ng n\u00ean l\u00e0m g\u00ec \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh? Li\u1ec7u c\u00f3 th\u1ec3 ti\u1ebfp t\u1ee5c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m hay kh\u00f4ng? B\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y s\u1ebd gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 nguy\u00ean nh\u00e2n, quy tr\u00ecnh x\u1eed l\u00fd v\u00e0 c\u00e1ch t\u0103ng kh\u1ea3 n\u0103ng b\u1ed3i th\u01b0\u1eddng th\u00e0nh c\u00f4ng.<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_Quy_trinh_yeu_cau_boi_thuong_bao_hiem_thong_thuong\"><\/span>1. Quy tr\u00ecnh y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m th\u00f4ng th\u01b0\u1eddng<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>D\u00f9 l\u00e0 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe, b\u1ea3o hi\u1ec3m du l\u1ecbch hay b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi, quy tr\u00ecnh b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng s\u1ebd tr\u1ea3i qua c\u00e1c b\u01b0\u1edbc c\u01a1 b\u1ea3n sau:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">a. Th\u00f4ng b\u00e1o s\u1ef1 c\u1ed1 cho c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/h3>\n\n\n\n<p>Ngay khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m nh\u01b0 tai n\u1ea1n, nh\u1eadp vi\u1ec7n, m\u1ea5t c\u1eafp h\u00e0nh l\u00fd ho\u1eb7c va ch\u1ea1m giao th\u00f4ng, kh\u00e1ch h\u00e0ng c\u1ea7n li\u00ean h\u1ec7 v\u1edbi \u0111\u01a1n v\u1ecb b\u1ea3o hi\u1ec3m trong th\u1eddi gian quy \u0111\u1ecbnh. Vi\u1ec7c th\u00f4ng b\u00e1o s\u1edbm gi\u00fap c\u00f4ng ty b\u1ea3o hi\u1ec3m ghi nh\u1eadn h\u1ed3 s\u01a1 v\u00e0 h\u01b0\u1edbng d\u1eabn c\u00e1c b\u01b0\u1edbc ti\u1ebfp theo.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">b. Chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/h3>\n\n\n\n<p>\u0110\u00e2y l\u00e0 b\u01b0\u1edbc khi\u1ebfn nhi\u1ec1u kh\u00e1ch h\u00e0ng g\u1eb7p kh\u00f3 kh\u0103n nh\u1ea5t trong to\u00e0n b\u1ed9 quy tr\u00ecnh b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m. T\u00f9y t\u1eebng s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, h\u1ed3 s\u01a1 c\u00f3 th\u1ec3 bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u00f3a \u0111\u01a1n vi\u1ec7n ph\u00ed<\/li>\n\n\n\n<li>Gi\u1ea5y ra vi\u1ec7n<\/li>\n\n\n\n<li>Bi\u00ean b\u1ea3n tai n\u1ea1n<\/li>\n\n\n\n<li>H\u00ecnh \u1ea3nh hi\u1ec7n tr\u01b0\u1eddng<\/li>\n\n\n\n<li>V\u00e9 m\u00e1y bay ho\u1eb7c gi\u1ea5y t\u1edd li\u00ean quan chuy\u1ebfn \u0111i<\/li>\n\n\n\n<li>Gi\u1ea5y \u0111\u0103ng k\u00fd xe, b\u1eb1ng l\u00e1i xe<\/li>\n\n\n\n<li>Ch\u1ee9ng minh nh\u00e2n d\u00e2n ho\u1eb7c c\u0103n c\u01b0\u1edbc c\u00f4ng d\u00e2n<\/li>\n<\/ul>\n\n\n\n<p>N\u1ebfu chu\u1ea9n b\u1ecb thi\u1ebfu ho\u1eb7c sai gi\u1ea5y t\u1edd, h\u1ed3 s\u01a1 c\u00f3 th\u1ec3 b\u1ecb y\u00eau c\u1ea7u b\u1ed5 sung ho\u1eb7c b\u1ecb t\u1eeb ch\u1ed1i x\u1eed l\u00fd.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">c. C\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1ea9m \u0111\u1ecbnh h\u1ed3 s\u01a1<\/h3>\n\n\n\n<p>Sau khi nh\u1eadn \u0111\u1ee7 t\u00e0i li\u1ec7u, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd ti\u1ebfn h\u00e0nh x\u00e1c minh th\u00f4ng tin, ki\u1ec3m tra \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng v\u00e0 \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 thu\u1ed9c ph\u1ea1m vi b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">d. Nh\u1eadn k\u1ebft qu\u1ea3 b\u1ed3i th\u01b0\u1eddng<\/h3>\n\n\n\n<p>N\u1ebfu h\u1ed3 s\u01a1 h\u1ee3p l\u1ec7, kh\u00e1ch h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c chi tr\u1ea3 theo quy\u1ec1n l\u1ee3i quy \u0111\u1ecbnh trong h\u1ee3p \u0111\u1ed3ng. Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu ph\u00e1t hi\u1ec7n vi ph\u1ea1m \u0111i\u1ec1u kho\u1ea3n ho\u1eb7c h\u1ed3 s\u01a1 ch\u01b0a \u0111\u00e1p \u1ee9ng y\u00eau c\u1ea7u, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Vi_sao_cong_ty_bao_hiem_tu_choi_boi_thuong\"><\/span>2. V\u00ec sao c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng?<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\/2026\/05\/29153356\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong-1.jpg\" alt=\"\" class=\"wp-image-27013\" style=\"width:908px;height:auto\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2026\/05\/29153356\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong-1.jpg 1000w, https:\/\/cdn-blog.saladin.vn\/contents\/2026\/05\/29153356\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong-1-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2026\/05\/29153356\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong-1-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><figcaption class=\"wp-element-caption\">H\u1ed3 s\u01a1 thi\u1ebfu ho\u1eb7c sai th\u00f4ng tin l\u00e0 m\u1ed9t trong nh\u1eefng nguy\u00ean nh\u00e2n ph\u1ed5 bi\u1ebfn khi\u1ebfn y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ecb t\u1eeb ch\u1ed1i.<\/figcaption><\/figure>\n\n\n\n<p>Tr\u00ean th\u1ef1c t\u1ebf, kh\u00f4ng ph\u1ea3i m\u1ecdi tr\u01b0\u1eddng h\u1ee3p b\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 b\u1ea3o hi\u1ec3m \u0111\u1ec1u xu\u1ea5t ph\u00e1t t\u1eeb vi\u1ec7c c\u00f4ng ty c\u1ed1 t\u00ecnh g\u00e2y kh\u00f3 d\u1ec5. Nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra do kh\u00e1ch h\u00e0ng ch\u01b0a hi\u1ec3u r\u00f5 \u0111i\u1ec1u kho\u1ea3n ho\u1eb7c m\u1eafc l\u1ed7i trong qu\u00e1 tr\u00ecnh khai b\u00e1o, nh\u01b0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>H\u1ed3 s\u01a1 thi\u1ebfu ho\u1eb7c kh\u00f4ng h\u1ee3p l\u1ec7<\/strong>: Ch\u1ec9 c\u1ea7n thi\u1ebfu h\u00f3a \u0111\u01a1n g\u1ed1c, gi\u1ea5y x\u00e1c nh\u1eadn y t\u1ebf ho\u1eb7c bi\u00ean b\u1ea3n s\u1ef1 c\u1ed1, h\u1ed3 s\u01a1 c\u00f3 th\u1ec3 b\u1ecb t\u1ea1m ng\u01b0ng ho\u1eb7c t\u1eeb ch\u1ed1i.<\/li>\n\n\n\n<li><strong>Khai b\u00e1o th\u00f4ng tin ch\u01b0a ch\u00ednh x\u00e1c:<\/strong> M\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng v\u00f4 t\u00ecnh khai sai th\u1eddi gian x\u1ea3y ra s\u1ef1 c\u1ed1, m\u1ee9c \u0111\u1ed9 thi\u1ec7t h\u1ea1i ho\u1eb7c t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe tr\u01b0\u1edbc \u0111\u00f3. Nh\u1eefng sai l\u1ec7ch n\u00e0y c\u00f3 th\u1ec3 khi\u1ebfn c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e1nh gi\u00e1 h\u1ed3 s\u01a1 kh\u00f4ng trung th\u1ef1c.<\/li>\n\n\n\n<li><strong>S\u1ef1 c\u1ed1 n\u1eb1m ngo\u00e0i ph\u1ea1m vi b\u1ea3o hi\u1ec3m:<\/strong> Kh\u00f4ng ph\u1ea3i m\u1ecdi t\u00ecnh hu\u1ed1ng \u0111\u1ec1u \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3. V\u00ed d\u1ee5 tai n\u1ea1n x\u1ea3y ra khi ng\u01b0\u1eddi l\u00e1i xe vi ph\u1ea1m n\u1ed3ng \u0111\u1ed9 c\u1ed3n; m\u1ea5t t\u00e0i s\u1ea3n nh\u01b0ng kh\u00f4ng c\u00f3 x\u00e1c nh\u1eadn t\u1eeb c\u01a1 quan ch\u1ee9c n\u0103ng; \u0111i\u1ec1u tr\u1ecb b\u1ec7nh c\u00f3 s\u1eb5n nh\u01b0ng kh\u00f4ng khai b\u00e1o tr\u01b0\u1edbc khi mua b\u1ea3o hi\u1ec3m. \u0110\u00e2y \u0111\u1ec1u l\u00e0 c\u00e1c tr\u01b0\u1eddng h\u1ee3p d\u1ec5 b\u1ecb b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng theo \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng.<\/li>\n\n\n\n<li><strong>N\u1ed9p h\u1ed3 s\u01a1 qu\u00e1 th\u1eddi h\u1ea1n quy \u0111\u1ecbnh:<\/strong> Nhi\u1ec1u kh\u00e1ch h\u00e0ng ch\u1ec9 t\u1eadp trung x\u1eed l\u00fd s\u1ef1 c\u1ed1 m\u00e0 qu\u00ean th\u1eddi gian y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m. Khi qu\u00e1 th\u1eddi h\u1ea1n quy \u0111\u1ecbnh, c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 quy\u1ec1n t\u1eeb ch\u1ed1i ti\u1ebfp nh\u1eadn h\u1ed3 s\u01a1.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_Bi_tu_choi_chi_tra_bao_hiem_co_nghia_la_mat_quyen_loi_bao_hiem_hoan_toan\"><\/span>3. B\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 b\u1ea3o hi\u1ec3m c\u00f3 ngh\u0129a l\u00e0 m\u1ea5t quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m ho\u00e0n to\u00e0n?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng trong l\u1ea7n \u0111\u1ea7u ch\u01b0a \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c kh\u00e1ch h\u00e0ng m\u1ea5t ho\u00e0n to\u00e0n quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m. Trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p, kh\u00e1ch h\u00e0ng v\u1eabn c\u00f3 th\u1ec3:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u1ed5 sung h\u1ed3 s\u01a1 c\u00f2n thi\u1ebfu<\/li>\n\n\n\n<li>Gi\u1ea3i tr\u00ecnh th\u00eam th\u00f4ng tin<\/li>\n\n\n\n<li>Y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m xem x\u00e9t l\u1ea1i<\/li>\n\n\n\n<li>Khi\u1ebfu n\u1ea1i n\u1ebfu ph\u00e1t hi\u1ec7n quy\u1ebft \u0111\u1ecbnh ch\u01b0a h\u1ee3p l\u00fd<\/li>\n<\/ul>\n\n\n\n<p>C\u00f3 kh\u00f4ng \u00edt tr\u01b0\u1eddng h\u1ee3p ban \u0111\u1ea7u b\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 b\u1ea3o hi\u1ec3m nh\u01b0ng sau khi b\u1ed5 sung gi\u1ea5y t\u1edd ho\u1eb7c \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 chuy\u00ean m\u00f4n trong th\u1eddi h\u1ea1n, kh\u00e1ch h\u00e0ng v\u1eabn b\u1ed3i th\u01b0\u1eddng th\u00e0nh c\u00f4ng. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 c\u1ea7n hi\u1ec3u r\u00f5 nguy\u00ean nh\u00e2n b\u1ecb t\u1eeb ch\u1ed1i thay v\u00ec v\u1ed9i b\u1ecf cu\u1ed9c ho\u1eb7c tranh c\u00e3i c\u1ea3m t\u00ednh. Khi n\u1eafm \u0111\u00fang quy tr\u00ecnh v\u00e0 c\u00f3 h\u01b0\u1edbng d\u1eabn ph\u00f9 h\u1ee3p, kh\u1ea3 n\u0103ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft quy\u1ec1n l\u1ee3i v\u1eabn r\u1ea5t cao.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_Nen_lam_gi_ngay_khi_bi_cong_ty_bao_hiem_tu_choi_boi_thuong\"><\/span>4. N\u00ean l\u00e0m g\u00ec ngay khi b\u1ecb c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Khi nh\u1eadn th\u00f4ng b\u00e1o t\u1eeb ch\u1ed1i, nhi\u1ec1u ng\u01b0\u1eddi ph\u1ea3n \u1ee9ng theo h\u01b0\u1edbng b\u1ee9c x\u00fac ho\u1eb7c cho r\u1eb1ng m\u00ecnh b\u1ecb \u201cqu\u1ef5t\u201d quy\u1ec1n l\u1ee3i. Tuy nhi\u00ean, c\u00e1ch x\u1eed l\u00fd hi\u1ec7u qu\u1ea3 nh\u1ea5t l\u00e0 b\u00ecnh t\u0129nh ki\u1ec3m tra l\u1ea1i to\u00e0n b\u1ed9 h\u1ed3 s\u01a1 v\u00e0 \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Y\u00eau c\u1ea7u c\u00f4ng ty b\u1ea3o hi\u1ec3m gi\u1ea3i th\u00edch b\u1eb1ng v\u0103n b\u1ea3n:<\/strong> Kh\u00e1ch h\u00e0ng n\u00ean \u0111\u1ec1 ngh\u1ecb c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p l\u00fd do t\u1eeb ch\u1ed1i c\u1ee5 th\u1ec3 b\u1eb1ng email ho\u1eb7c v\u0103n b\u1ea3n ch\u00ednh th\u1ee9c. \u0110i\u1ec1u n\u00e0y gi\u00fap x\u00e1c \u0111\u1ecbnh ch\u00ednh x\u00e1c v\u1ea5n \u0111\u1ec1 n\u1eb1m \u1edf \u0111\u00e2u.<\/li>\n\n\n\n<li><strong>Ki\u1ec3m tra l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m:<\/strong> H\u00e3y \u0111\u1ed1i chi\u1ebfu nguy\u00ean nh\u00e2n t\u1eeb ch\u1ed1i v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb, ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 ngh\u0129a v\u1ee5 khai b\u00e1o trong h\u1ee3p \u0111\u1ed3ng. Kh\u00f4ng \u00edt tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng hi\u1ec3u sai quy\u1ec1n l\u1ee3i \u0111\u01b0\u1ee3c chi tr\u1ea3.<\/li>\n\n\n\n<li><strong>B\u1ed5 sung h\u1ed3 s\u01a1 n\u1ebfu c\u00f2n thi\u1ebfu:<\/strong> N\u1ebfu nguy\u00ean nh\u00e2n xu\u1ea5t ph\u00e1t t\u1eeb gi\u1ea5y t\u1edd ch\u01b0a \u0111\u1ea7y \u0111\u1ee7, kh\u00e1ch h\u00e0ng n\u00ean nhanh ch\u00f3ng ho\u00e0n thi\u1ec7n theo h\u01b0\u1edbng d\u1eabn. Vi\u1ec7c b\u1ed5 sung \u0111\u00fang t\u00e0i li\u1ec7u c\u00f3 th\u1ec3 gi\u00fap h\u1ed3 s\u01a1 \u0111\u01b0\u1ee3c xem x\u00e9t l\u1ea1i nhanh h\u01a1n.<\/li>\n\n\n\n<li><strong>L\u01b0u l\u1ea1i to\u00e0n b\u1ed9 b\u1eb1ng ch\u1ee9ng v\u00e0 trao \u0111\u1ed5i: <\/strong>Tin nh\u1eafn, email, h\u00f3a \u0111\u01a1n, h\u00ecnh \u1ea3nh hi\u1ec7n tr\u01b0\u1eddng ho\u1eb7c gi\u1ea5y x\u00e1c nh\u1eadn t\u1eeb c\u01a1 quan ch\u1ee9c n\u0103ng \u0111\u1ec1u c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh c\u0103n c\u1ee9 quan tr\u1ecdng trong qu\u00e1 tr\u00ecnh gi\u1ea3i quy\u1ebft tranh ch\u1ea5p.<\/li>\n\n\n\n<li><strong>T\u00ecm \u0111\u01a1n v\u1ecb h\u1ed7 tr\u1ee3 chuy\u00ean nghi\u1ec7p:<\/strong> Nhi\u1ec1u kh\u00e1ch h\u00e0ng g\u1eb7p kh\u00f3 kh\u0103n v\u00ec kh\u00f4ng quen quy tr\u00ecnh b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m ho\u1eb7c kh\u00f4ng bi\u1ebft c\u1ea7n chu\u1ea9n b\u1ecb g\u00ec. Khi c\u00f3 \u0111\u01a1n v\u1ecb trung gian h\u1ed7 tr\u1ee3, qu\u00e1 tr\u00ecnh x\u1eed l\u00fd th\u01b0\u1eddng r\u00f5 r\u00e0ng v\u00e0 thu\u1eadn l\u1ee3i h\u01a1n r\u1ea5t nhi\u1ec1u.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_Mua_bao_hiem_o_dau_de_duoc_ho_tro_boi_thuong_nhanh_dung_va_cong_bang\"><\/span>5. Mua b\u1ea3o hi\u1ec3m \u1edf \u0111\u00e2u \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1ed3i th\u01b0\u1eddng nhanh, \u0111\u00fang v\u00e0 c\u00f4ng b\u1eb1ng?<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\/2026\/05\/29153358\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong-2.jpg\" alt=\"\" class=\"wp-image-27015\" style=\"width:908px;height:auto\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2026\/05\/29153358\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong-2.jpg 1000w, https:\/\/cdn-blog.saladin.vn\/contents\/2026\/05\/29153358\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong-2-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2026\/05\/29153358\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong-2-768x512.jpg 768w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><figcaption class=\"wp-element-caption\">Hi\u1ec3u r\u00f5 \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m l\u00e0 c\u00e1ch t\u1ed1t nh\u1ea5t \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a ch\u00ednh m\u00ecnh.<\/figcaption><\/figure>\n\n\n\n<p>M\u1ed9t trong nh\u1eefng kh\u00e1c bi\u1ec7t l\u1edbn nh\u1ea5t khi tham gia b\u1ea3o hi\u1ec3m hi\u1ec7n nay kh\u00f4ng ch\u1ec9 n\u1eb1m \u1edf s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m uy t\u00edn, m\u00e0 c\u00f2n \u1edf tr\u1ea3i nghi\u1ec7m h\u1ed7 tr\u1ee3 sau b\u00e1n h\u00e0ng, \u0111\u1eb7c bi\u1ec7t l\u00e0 l\u00fac x\u1ea3y ra s\u1ef1 c\u1ed1. Nhi\u1ec1u ng\u01b0\u1eddi ch\u1ec9 nh\u1eadn ra vi\u1ec7c t\u1ef1 m\u00ecnh y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng ph\u1ee9c t\u1ea1p \u0111\u1ebfn m\u1ee9c n\u00e0o khi ph\u1ea3i tr\u1ef1c ti\u1ebfp li\u00ean h\u1ec7 hotline, chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1 v\u00e0 t\u1ef1 x\u1eed l\u00fd tranh ch\u1ea5p v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p>Trong khi \u0111\u00f3, n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7 <a href=\"https:\/\/www.saladin.vn\/\" target=\"_blank\" rel=\"noopener\" title=\"\"><strong>Saladin<\/strong><\/a> \u0111ang gi\u00fap quy tr\u00ecnh b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m n\u00e0y tr\u1edf n\u00ean \u0111\u01a1n gi\u1ea3n v\u00e0 minh b\u1ea1ch h\u01a1n cho kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Ti\u00eau ch\u00ed<\/strong><\/td><td><strong>T\u1ef1 m\u00ecnh y\u00eau c\u1ea7u<\/strong><\/td><td><strong>C\u00f3 Saladin h\u1ed7 tr\u1ee3<\/strong><\/td><\/tr><tr><td>K\u00eanh li\u00ean l\u1ea1c<\/td><td>Hotline h\u00e3ng, email, \u0111\u1ebfn tr\u1ef1c ti\u1ebfp v\u0103n ph\u00f2ng<\/td><td>App\/Web Saladin, Zalo, hotline ri\u00eang<\/td><\/tr><tr><td>Chu\u1ea9n b\u1ecb h\u1ed3 s\u01a1<\/td><td>T\u1ef1 t\u00ecm hi\u1ec3u gi\u1ea5y t\u1edd c\u1ea7n thi\u1ebft<\/td><td>\u0110\u01b0\u1ee3c h\u01b0\u1edbng d\u1eabn chi ti\u1ebft t\u1eebng b\u01b0\u1edbc<\/td><\/tr><tr><td>X\u1eed l\u00fd s\u1ef1 c\u1ed1<\/td><td>T\u1ef1 trao \u0111\u1ed5i v\u00e0 th\u01b0\u01a1ng l\u01b0\u1ee3ng<\/td><td>C\u00f3 \u0111\u1ed9i ng\u0169 chuy\u00ean gia h\u1ed7 tr\u1ee3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i<\/td><\/tr><tr><td>T\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd<\/td><td>Ph\u1ee5 thu\u1ed9c t\u1eebng h\u00e3ng b\u1ea3o hi\u1ec3m<\/td><td>H\u1ed3 s\u01a1 \u0111\u01b0\u1ee3c chu\u1ea9n h\u00f3a t\u1eeb \u0111\u1ea7u n\u00ean x\u1eed l\u00fd nhanh h\u01a1n<\/td><\/tr><tr><td>Tr\u1ea3i nghi\u1ec7m<\/td><td>D\u1ec5 c\u1ea3m th\u1ea5y r\u1ed1i v\u00e0 \u00e1p l\u1ef1c<\/td><td>Minh b\u1ea1ch, hi\u1ec7n \u0111\u1ea1i v\u00e0 an t\u00e2m h\u01a1n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>\u0110i\u1ec3m \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 <strong>Saladin<\/strong> kh\u00f4ng ch\u1ec9 \u0111\u00f3ng vai tr\u00f2 b\u00e1n b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n \u0111\u1ed3ng h\u00e0nh c\u00f9ng kh\u00e1ch h\u00e0ng trong su\u1ed1t qu\u00e1 tr\u00ecnh y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u1eb1m \u0111\u1ea3m b\u1ea3o h\u1ed7 tr\u1ee3 kh\u00e1ch h\u00e0ng y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng th\u00e0nh c\u00f4ng. T\u1eeb vi\u1ec7c ki\u1ec3m tra h\u1ed3 s\u01a1, h\u01b0\u1edbng d\u1eabn b\u1ed5 sung gi\u1ea5y t\u1edd cho \u0111\u1ebfn h\u1ed7 tr\u1ee3 trao \u0111\u1ed5i v\u1edbi h\u00e3ng b\u1ea3o hi\u1ec3m, \u0111\u1ed9i ng\u0169 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng c\u1ee7a <strong>Saladin<\/strong> gi\u00fap ng\u01b0\u1eddi d\u00f9ng h\u1ea1n ch\u1ebf t\u1ed1i \u0111a c\u00e1c sai s\u00f3t d\u1ec5 d\u1eabn \u0111\u1ebfn vi\u1ec7c b\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 b\u1ea3o hi\u1ec3m. Khi c\u00f3 s\u1ef1 h\u1ed7 tr\u1ee3 t\u1eeb <strong>Saladin<\/strong>, quy tr\u00ecnh \u0111\u01b0\u1ee3c \u0111\u01a1n gi\u1ea3n h\u00f3a h\u01a1n r\u1ea5t nhi\u1ec1u v\u00ec kh\u00e1ch h\u00e0ng lu\u00f4n bi\u1ebft m\u00ecnh c\u1ea7n l\u00e0m g\u00ec \u1edf t\u1eebng b\u01b0\u1edbc.<\/p>\n\n\n\n<p>Trong b\u1ed1i c\u1ea3nh ng\u00e0y c\u00e0ng nhi\u1ec1u ng\u01b0\u1eddi quan t\u00e2m \u0111\u1ebfn tr\u1ea3i nghi\u1ec7m h\u1eadu m\u00e3i v\u00e0 kh\u1ea3 n\u0103ng h\u1ed7 tr\u1ee3 th\u1ef1c t\u1ebf khi x\u1ea3y ra r\u1ee7i ro, l\u1ef1a ch\u1ecdn m\u1ed9t n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m uy t\u00edn c\u00f3 \u0111\u1ed9i ng\u0169 \u0111\u1ed3ng h\u00e0nh chuy\u00ean nghi\u1ec7p \u0111ang tr\u1edf th\u00e0nh y\u1ebfu t\u1ed1 quan tr\u1ecdng kh\u00f4ng k\u00e9m quy\u1ec1n l\u1ee3i tr\u00ean h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span>K\u1ebft lu\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>B\u1ecb b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng kh\u00f4ng \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c m\u1ea5t ho\u00e0n to\u00e0n quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m. \u0110i\u1ec1u quan tr\u1ecdng l\u00e0 hi\u1ec3u r\u00f5 nguy\u00ean nh\u00e2n b\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 b\u1ea3o hi\u1ec3m, ki\u1ec3m tra l\u1ea1i h\u1ed3 s\u01a1 v\u00e0 c\u00f3 h\u01b0\u1edbng x\u1eed l\u00fd ph\u00f9 h\u1ee3p thay v\u00ec b\u1ecf cu\u1ed9c ngay t\u1eeb \u0111\u1ea7u. M\u1ed9t quy tr\u00ecnh minh b\u1ea1ch, s\u1ef1 chu\u1ea9n b\u1ecb \u0111\u1ea7y \u0111\u1ee7 gi\u1ea5y t\u1edd c\u00f9ng \u0111\u01a1n v\u1ecb h\u1ed7 tr\u1ee3 chuy\u00ean nghi\u1ec7p s\u1ebd gi\u00fap t\u0103ng kh\u1ea3 n\u0103ng b\u1ed3i th\u01b0\u1eddng th\u00e0nh c\u00f4ng v\u00e0 gi\u1ea3m \u0111\u00e1ng k\u1ec3 \u00e1p l\u1ef1c cho kh\u00e1ch h\u00e0ng khi x\u1ea3y ra s\u1ef1 c\u1ed1. V\u00ec v\u1eady, ngo\u00e0i vi\u1ec7c quan t\u00e2m \u0111\u1ebfn m\u1ee9c ph\u00ed hay quy\u1ec1n l\u1ee3i, ng\u01b0\u1eddi mua c\u0169ng n\u00ean c\u00e2n nh\u1eafc l\u1ef1a ch\u1ecdn n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m uy t\u00edn c\u00f3 kh\u1ea3 n\u0103ng h\u1ed7 tr\u1ee3 th\u1ef1c t\u1ebf trong su\u1ed1t qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m.<\/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><em><em><em><em><em><em><em><em><em><em><em><em><em><em><em>B\u00e0i vi\u1ebft n\u00e0y \u0111\u01b0\u1ee3c xem x\u00e9t l\u1ea7n cu\u1ed1i v\u00e0o Th\u1ee9 T\u01b0, ng\u00e0y 27 th\u00e1ng 05 n\u0103m 2026.<\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Tuy mua b\u1ea3o hi\u1ec3m \u0111\u1ec3 c\u00f3 t\u00e2m l\u00fd an t\u00e2m khi g\u1eb7p s\u1ef1 c\u1ed1, th\u1ef1c t\u1ebf l\u1ea1i c\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng b\u1ecb b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":27014,"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":[16,22,100,9,8,11,10],"tags":[921,925,924,463,839,834,835,923,922],"class_list":["post-27012","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-du-lich","category-bao-hiem-hang-hoa","category-bao-hiem-nha-tu-nhan","category-bao-hiem-o-to","category-bao-hiem-suc-khoe","category-bao-hiem-tai-nan","category-bao-hiem-xe-may","tag-bao-hiem-tu-choi-boi-thuong","tag-bao-hiem-uy-tin","tag-bi-tu-choi-chi-tra-bao-hiem","tag-boi-thuong-bao-hiem","tag-boi-thuong-bao-hiem-2","tag-boi-thuong-thanh-cong","tag-cau-chuyen-boi-thuong","tag-quy-trinh-boi-thuong-bao-hiem","tag-yeu-cau-boi-thuong-bao-hiem"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2026\/05\/29153357\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong.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\/2026\/05\/29153357\/nen-lam-gi-khi-bi-cong-ty-bao-hiem-tu-choi-boi-thuong-300x151.png","coauthors":[],"tax_additional":{"categories":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-du-lich\/\" class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m du l\u1ecbch<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-hang-hoa\/\" class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m h\u00e0ng ho\u00e1<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-nha-tu-nhan\/\" class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m nh\u00e0 t\u01b0 nh\u00e2n<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-o-to\/\" class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/a>","<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-tai-nan\/\" class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m tai n\u1ea1n<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m xe m\u00e1y<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m du l\u1ecbch<\/span>","<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m h\u00e0ng ho\u00e1<\/span>","<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m nh\u00e0 t\u01b0 nh\u00e2n<\/span>","<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m \u00f4 t\u00f4<\/span>","<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/span>","<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m tai n\u1ea1n<\/span>","<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m xe m\u00e1y<\/span>"]},"tags":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m uy t\u00edn<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">b\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 b\u1ea3o hi\u1ec3m<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">b\u1ed3i th\u01b0\u1eddng\u00a0b\u1ea3o hi\u1ec3m<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">B\u1ed3i th\u01b0\u1eddng th\u00e0nh c\u00f4ng<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">C\u00e2u chuy\u1ec7n b\u1ed3i th\u01b0\u1eddng<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">quy tr\u00ecnh b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/a>","<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-xe-may\/\" class=\"advgb-post-tax-term\">y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng<\/span>","<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m uy t\u00edn<\/span>","<span class=\"advgb-post-tax-term\">b\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 b\u1ea3o hi\u1ec3m<\/span>","<span class=\"advgb-post-tax-term\">b\u1ed3i th\u01b0\u1eddng\u00a0b\u1ea3o hi\u1ec3m<\/span>","<span class=\"advgb-post-tax-term\">b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/span>","<span class=\"advgb-post-tax-term\">B\u1ed3i th\u01b0\u1eddng th\u00e0nh c\u00f4ng<\/span>","<span class=\"advgb-post-tax-term\">C\u00e2u chuy\u1ec7n b\u1ed3i th\u01b0\u1eddng<\/span>","<span class=\"advgb-post-tax-term\">quy tr\u00ecnh b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/span>","<span class=\"advgb-post-tax-term\">y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 3 days ago","modified":"Updated 23 hours ago"},"absolute_dates":{"created":"Posted on 27\/05\/2026","modified":"Updated on 29\/05\/2026"},"absolute_dates_time":{"created":"Posted on 27\/05\/2026 9:00 AM","modified":"Updated on 29\/05\/2026 3:34 PM"},"featured_img_caption":"","series_order":"","_links":{"self":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/27012","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/comments?post=27012"}],"version-history":[{"count":1,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/27012\/revisions"}],"predecessor-version":[{"id":27016,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/27012\/revisions\/27016"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media\/27014"}],"wp:attachment":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media?parent=27012"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/categories?post=27012"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/tags?post=27012"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}