{"id":4233,"date":"2022-10-10T00:56:11","date_gmt":"2022-10-09T17:56:11","guid":{"rendered":"https:\/\/news.saladin.vn\/?p=4233"},"modified":"2024-04-24T16:45:39","modified_gmt":"2024-04-24T09:45:39","slug":"mua-bao-hiem-o-to-hai-chieu-co-re-hon-khong","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-o-to\/mua-bao-hiem-o-to-hai-chieu-co-re-hon-khong\/","title":{"rendered":"B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 hai chi\u1ec1u kh\u00e1c g\u00ec v\u1edbi b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4?"},"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-o-to\/mua-bao-hiem-o-to-hai-chieu-co-re-hon-khong\/#I_Bao_hiem_o_to_hai_chieu_la_gi\" >I. B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 hai chi\u1ec1u 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-o-to\/mua-bao-hiem-o-to-hai-chieu-co-re-hon-khong\/#II_Mua_bao_hiem_o_to_hai_chieu_co_them_nhung_loi_ich_nao\" >II. Mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 hai chi\u1ec1u c\u00f3 th\u00eam nh\u1eefng l\u1ee3i \u00edch n\u00e0o?<\/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-o-to\/mua-bao-hiem-o-to-hai-chieu-co-re-hon-khong\/#III_Gia_bao_hiem_o_to_hai_chieu\" >III. Gi\u00e1 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 hai chi\u1ec1u<\/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-o-to\/mua-bao-hiem-o-to-hai-chieu-co-re-hon-khong\/#2_Gia_bao_hiem_vat_chat_o_to\" >2. Gi\u00e1 b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n\n<div class=\"wp-block-columns has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"background-color:#defdff\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\">\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1492\" height=\"1253\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom.png\" alt=\"\" class=\"wp-image-21922\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom.png 1492w, https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom-300x252.png 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom-1024x860.png 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2024\/04\/24160114\/Si-CarCom-768x645.png 768w\" sizes=\"auto, (max-width: 1492px) 100vw, 1492px\" \/><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:66.66%\">\n<p class=\"has-text-align-left has-text-color has-link-color wp-elements-7b7335f33daf8b0bd482d3ad03c7874b\" style=\"color:#1e3888;font-size:16px;line-height:1.1\"><strong>Nh\u1eadn b\u00e1o gi\u00e1 t\u1eeb 6 C\u00f4ng ty B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4<\/strong><\/p>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:33.33%\"><div style=\"gap: 20px;\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-e6363d88-ddf1-4584-a973-e9d90f26a153\"><div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/www.saladin.vn\/mua-bao-hiem-vat-chat-toan-dien-xe-oto\/thong-tin-xe?utm_source=Blog&amp;utm_medium=Promotion&amp;utm_content=Article&amp;utm_campaign=CarCom_01042026_Camp_PromoAprMay\" target=\"_blank\" rel=\"noopener noreferrer  \" class=\"ub-button-block-main   ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: #14c560; --ub-button-color: #ffffff; --ub-button-border: none; --ub-button-hover-background-color: #1D7243; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \">\n\t\t\t\t<div class=\"ub-button-content-holder\" style=\"flex-direction: row\">\n\t\t\t\t\t<span class=\"ub-button-block-btn\">MUA NGAY<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div><\/div><\/div>\n<\/div>\n\n\n\n<p><strong><em>Khi mua \u00f4 t\u00f4 m\u1edbi, b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c khuy\u00ean n\u00ean mua b\u1ea3o hi\u1ec3m hai chi\u1ec1u ngo\u00e0i <a href=\"https:\/\/www.saladin.vn\/bao-hiem-trach-nhiem-dan-su-bat-buoc-xe-oto.html\">b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/a>. C\u00f9ng Saladin t\u00ecm hi\u1ec3u v\u1ec1 lo\u1ea1i h\u00ecnh n\u00e0y th\u00f4ng qua b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y nh\u00e9.<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized advgb-dyn-9902f1b2\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/news.saladin.vn\/wp-content\/uploads\/2022\/10\/mua-bao-hiem-o-to-hai-chieu-co-re-hon-khong-1024x683.jpg\" alt=\"\" class=\"wp-image-4269\" style=\"width:741px;height:494px\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06031210\/mua-bao-hiem-o-to-hai-chieu-co-re-hon-khong-1024x683.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06031210\/mua-bao-hiem-o-to-hai-chieu-co-re-hon-khong-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06031210\/mua-bao-hiem-o-to-hai-chieu-co-re-hon-khong-768x512.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/06031210\/mua-bao-hiem-o-to-hai-chieu-co-re-hon-khong.jpg 1500w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"I_Bao_hiem_o_to_hai_chieu_la_gi\"><\/span><strong>I. B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 hai chi\u1ec1u l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u201cB\u1ea3o hi\u1ec3m hai chi\u1ec1u\u201d hay \u201cb\u1ea3o hi\u1ec3m m\u1ed9t chi\u1ec1u\u201d ch\u1ec9 l\u00e0 m\u1ed9t c\u00e1ch g\u1ecdi kh\u00e1c d\u1ec5 hi\u1ec3u h\u01a1n do d\u00e2n l\u00e1i xe \u0111\u1eb7t ra. Th\u1ef1c t\u1ebf, <strong>\u201cb\u1ea3o hi\u1ec3m \u00f4 t\u00f4 m\u1ed9t chi\u1ec1u\u201d<\/strong> d\u00f9ng \u0111\u1ec3 ch\u1ec9 <strong><a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-tnds-o-to\/\" title=\"\">b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/a><\/strong>, lo\u1ea1i m\u00e0 b\u1ea1n c\u1ea7n ph\u1ea3i xu\u1ea5t tr\u00ecnh \u0111\u01b0\u1ee3c cho CSGT khi l\u01b0u th\u00f4ng tr\u00ean \u0111\u01b0\u1eddng ph\u1ed1.<\/p>\n\n\n\n<p>C\u00f2n <strong>\u201cB\u1ea3o hi\u1ec3m \u00f4 t\u00f4 hai chi\u1ec1u\u201d<\/strong> \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 g\u00f3i b\u1ea3o hi\u1ec3m k\u00e9p bao g\u1ed3m c\u1ea3 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (b\u1eaft bu\u1ed9c) v\u00e0 b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe (t\u1ef1 nguy\u1ec7n). Lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd chi tr\u1ea3 cho c\u1ea3 hai ph\u00eda: ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m\/ ch\u1ee7 xe g\u00e2y ra tai n\u1ea1n v\u00e0 b\u00ean th\u1ee9 ba b\u1ecb t\u1ed5n th\u1ea5t trong v\u1ee5 tai n\u1ea1n.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"II_Mua_bao_hiem_o_to_hai_chieu_co_them_nhung_loi_ich_nao\"><\/span>II. Mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 hai chi\u1ec1u c\u00f3 th\u00eam nh\u1eefng l\u1ee3i \u00edch n\u00e0o?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>V\u00ec sao ch\u1ec9 c\u00f3 b\u1ea3o hi\u1ec3m m\u1ed9t chi\u1ec1u, hay b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 l\u00e0 b\u1eaft bu\u1ed9c, nh\u01b0ng nhi\u1ec1u ng\u01b0\u1eddi v\u1eabn mua th\u00eam b\u1ea3o hi\u1ec3m hai chi\u1ec1u \u00f4 t\u00f4?&nbsp;<\/p>\n\n\n\n<p>C\u00e2u tr\u1ea3 l\u1eddi l\u00e0 v\u00ec: Khi c\u00f3 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1, doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m s\u1ebd ch\u1ec9 thay b\u1ea1n \u0111\u1ec1n b\u00f9 cho b\u00ean th\u1ee9 3, c\u00f2n b\u1ea3n th\u00e2n nh\u1eefng t\u1ed5n th\u1ea5t x\u1ea3y ra v\u1edbi b\u1ea1n v\u00e0 xe c\u1ee7a b\u1ea1n s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m TNDS chi tr\u1ea3.&nbsp;<\/p>\n\n\n\n<p>Do \u0111\u00f3, \u0111\u1ec3 ch\u1ee7 \u0111\u1ed9ng h\u01a1n v\u1ec1 t\u00e0i ch\u00ednh v\u00e0 \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 t\u1ed1t h\u01a1n v\u1edbi nh\u1eefng quy\u1ec1n l\u1ee3i b\u1ed3i th\u01b0\u1eddng cho ch\u00ednh ng\u01b0\u1eddi l\u00e1i xe, ng\u01b0\u1eddi ng\u1ed3i sau xe ho\u1eb7c ch\u00ednh chi\u1ebfc xe, nhi\u1ec1u ng\u01b0\u1eddi ch\u1ecdn mua b\u1ea3o hi\u1ec3m hai chi\u1ec1u \u00f4 t\u00f4.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Quy\u1ec1n l\u1ee3i khi mua b\u1ea3o hi\u1ec3m hai chi\u1ec1u s\u1ebd bao g\u1ed3m quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1, c\u1ed9ng th\u00eam c\u00e1c quy\u1ec1n l\u1ee3i b\u1ed5 sung nh\u01b0 b\u1ea3o hi\u1ec3m cho th\u00e2n v\u1ecf \u00f4 t\u00f4, b\u1ea3o hi\u1ec3m cho t\u00e0i x\u1ebf v\u00e0 ng\u01b0\u1eddi ng\u1ed3i tr\u00ean xe \u00f4 t\u00f4, b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5,&#8230; tu\u1ef3 theo ng\u01b0\u1eddi mua l\u1ef1a ch\u1ecdn v\u00e0 \u0111\u01b0\u1ee3c ghi r\u00f5 trong h\u1ee3p \u0111\u1ed3ng.<\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\">1. Quy\u1ec1n l\u1ee3i c\u1ee7a <a href=\"https:\/\/www.saladin.vn\/bao-hiem-trach-nhiem-dan-su-bat-buoc-xe-oto.html\">b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c \u00f4 t\u00f4<\/a><\/h3>\n\n\n\n<p>B\u1ea3o hi\u1ec3m TNDS s\u1ebd thay ch\u1ee7 xe chi tr\u1ea3 cho nh\u1eefng thi\u1ec7t h\u1ea1i do l\u1ed7i c\u1ee7a ch\u1ee7 xe g\u00e2y ra cho b\u00ean th\u1ee9 3, k\u1ec3 c\u1ea3 nh\u1eefng thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n ho\u1eb7c th\u00e2n th\u1ec3.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2. Quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ef1 nguy\u1ec7n<\/h3>\n\n\n\n<p>Doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng cho ch\u1ee7 xe trong c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Khi xe thi\u1ec7t h\u1ea1i v\u1ec1 v\u1eadt ch\u1ea5t, th\u00e2n v\u1ecf do tai n\u1ea1n, va ch\u1ea1m, b\u1ecb \u0111\u1ea1p, l\u1eadt \u0111\u1ed5, h\u1ecfa ho\u1ea1n, ch\u00e1y n\u1ed5 c\u0169ng nh\u01b0 c\u00e1c t\u1ed5n th\u1ea5t v\u1ec1 xe do ng\u01b0\u1eddi kh\u00e1c c\u1ed1 \u00fd ph\u00e1 ho\u1ea1i<\/li>\n\n\n\n<li>Tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb t\u1ed5n th\u1ea5t do \u1ea3nh h\u01b0\u1edfng b\u1edfi h\u1ecfa ho\u1ea1n, b\u00e3o l\u0169, s\u1ea1t l\u1edf,\u2026 v\u00e0 c\u00e1c tai n\u1ea1n do thi\u00ean nhi\u00ean<\/li>\n\n\n\n<li>Xe b\u1ecb m\u1ea5t tr\u1ed9m, \u0103n c\u01b0\u1edbp khi tham gia giao th\u00f4ng<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Quy\u1ec1n l\u1ee3i b\u1ed5 sung<\/h3>\n\n\n\n<p>M\u1ed9t l\u1ee3i \u00edch kh\u00e1c khi b\u1ea1n ch\u1ecdn mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 hai chi\u1ec1u thay v\u00ec m\u1ed9t chi\u1ec1u \u0111\u00f3 l\u00e0, b\u1ea1n c\u00f3 th\u1ec3 n\u1ed9p ph\u00ed \u0111\u1ec3 ch\u1ecdn th\u00eam m\u1ed9t trong c\u00e1c \u0110i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m b\u1ed5 sung \u0111\u1ec3 t\u0103ng th\u00eam quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m ho\u1eb7c \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m.&nbsp;<\/p>\n\n\n\n<p>Quy\u1ec1n l\u1ee3i b\u1ed5 sung s\u1ebd kh\u00e1c nhau t\u00f9y v\u00e0o ch\u00ednh s\u00e1ch c\u1ee7a m\u1ed7i doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m. Th\u00f4ng th\u01b0\u1eddng s\u1ebd c\u00f3 c\u00e1c quy\u1ec1n l\u1ee3i m\u1edf r\u1ed9ng b\u1ea3o hi\u1ec3m cho c\u00e1c tr\u01b0\u1eddng h\u1ee3p sau:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Thi\u1ec7t h\u1ea1i x\u1ea3y ra ngo\u00e0i l\u00e3nh th\u1ed5 Vi\u1ec7t Nam&nbsp;<\/li>\n\n\n\n<li>Xe b\u1ecb ng\u1eadp n\u01b0\u1edbc&nbsp;<\/li>\n\n\n\n<li>S\u1eeda ch\u1eefa xe t\u1ea1i gara ch\u00ednh h\u00e3ng<\/li>\n\n\n\n<li>B\u1ea3o hi\u1ec3m kh\u00f4ng kh\u1ea5u hao thay m\u1edbi<\/li>\n\n\n\n<li>Thanh to\u00e1n chi ph\u00ed thu\u00ea xe<\/li>\n\n\n\n<li>B\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng m\u1ee9c kh\u1ea5u tr\u1eeb<\/li>\n\n\n\n<li>B\u1ea3o hi\u1ec3m m\u1ea5t c\u1eafp b\u1ed9 ph\u1eadn<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"III_Gia_bao_hiem_o_to_hai_chieu\"><\/span>III. Gi\u00e1 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 hai chi\u1ec1u<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>V\u1ec1 c\u01a1 b\u1ea3n, ph\u00ed mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 hai chi\u1ec1u bao g\u1ed3m gi\u00e1 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u00f4 t\u00f4 b\u1eaft bu\u1ed9c v\u00e0 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n do ng\u01b0\u1eddi mua ch\u1ecdn. Do \u0111\u00f3, kh\u00f4ng c\u00f3 m\u1ee9c ph\u00ed c\u1ed1 \u0111\u1ecbnh cho b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 hai chi\u1ec1u, m\u00e0 s\u1ebd ph\u1ee5 thu\u1ed9c v\u00e0o ch\u00ednh s\u00e1ch c\u1ee7a t\u1eebng doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Gi\u00e1 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u00f4 t\u00f4<\/h3>\n\n\n\n<p><strong>&#8211; Xe \u00f4t\u00f4 kh\u00f4ng kinh doanh:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u01b0\u1edbi 6 ch\u1ed7 ng\u1ed3i: 437.000\u0111\/n\u0103m b\u1ea3o hi\u1ec3m.<\/li>\n\n\n\n<li>T\u1eeb 6 \u2013 11 ch\u1ed7 ng\u1ed3i: 794.000\u0111\/n\u0103m b\u1ea3o hi\u1ec3m.<\/li>\n<\/ul>\n\n\n\n<p><strong>&#8211; Xe \u00f4t\u00f4 kinh doanh:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>D\u01b0\u1edbi 6 ch\u1ed7 ng\u1ed3i: 756.000\u0111\/n\u0103m b\u1ea3o hi\u1ec3m.<\/li>\n\n\n\n<li>7 ch\u1ed7 ng\u1ed3i: 1.080.000\u0111\/n\u0103m b\u1ea3o hi\u1ec3m.<\/li>\n\n\n\n<li>Xe taxi: b\u1eb1ng 150% xe kinh doanh c\u00f9ng s\u1ed1 ch\u1ed7 ng\u1ed3i.<\/li>\n<\/ul>\n\n\n\n<p><em>(Ph\u00ed b\u1ea3o hi\u1ec3m tr\u00ean ch\u01b0a bao g\u1ed3m 10% thu\u1ebf VAT)<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_Gia_bao_hiem_vat_chat_o_to\"><\/span>2. Gi\u00e1 b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Ph\u00ed c\u1ee7a b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t \u00f4 t\u00f4 = M\u1ee9c t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m (%) x Gi\u00e1 tr\u1ecb xe tr\u00ean ho\u00e1 \u0111\u01a1n.&nbsp;<\/p>\n\n\n\n<p>Tr\u00ean th\u1ecb tr\u01b0\u1eddng c\u00f3 r\u1ea5t nhi\u1ec1u m\u1ee9c t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m, r\u01a1i v\u00e0o kho\u1ea3ng t\u1eeb 1.4% \u2013 2% gi\u00e1 tr\u1ecb xe t\u00f9y thu\u1ed9c v\u00e0o \u0111i\u1ec1u kho\u1ea3n gi\u00e1 tr\u1ecb b\u1ed3i th\u01b0\u1eddng c\u1ee7a b\u00ean b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>V\u00ed d\u1ee5: B\u1ea1n mua m\u1ed9t chi\u1ebfc xe gi\u00e1 800 tri\u1ec7u v\u1edbi m\u1ee9c t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m l\u00e0 2% th\u00ec ph\u00ed b\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t s\u1ebd l\u00e0: 800.000.000 * 2% = 16 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m.<\/p>\n\n\n\n<p>C\u1ed9ng th\u00eam ph\u00ed b\u1ea3o hi\u1ec3m TNDS cho xe \u00f4 t\u00f4 kh\u00f4ng kinh doanh, d\u01b0\u1edbi 6 ch\u1ed7 ng\u1ed3i l\u00e0 437.000\u0111\/n\u0103m.<\/p>\n\n\n\n<p>Khi \u0111\u00f3: ph\u00ed b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 hai chi\u1ec1u c\u1ee7a b\u1ea1n l\u00e0: 16.437.000 tri\u1ec7u \u0111\u1ed3ng\/ n\u0103m.<\/p>\n<\/blockquote>\n\n\n\n<p>V\u1edbi nh\u1eefng th\u00f4ng tin tr\u00ean \u0111\u00e2y, l\u1eddi khuy\u00ean cho b\u1ea1n l\u00e0 \u0111\u1eebng ti\u1ebfc ti\u1ec1n s\u1edf h\u1eefu b\u1ea3o hi\u1ec3m hai chi\u1ec1u cho chi\u1ebfc xe \u00f4 t\u00f4 y\u00eau qu\u00fd c\u1ee7a m\u00ecnh. Khi c\u00f3 s\u1ef1 c\u1ed1 x\u1ea3y ra, b\u1ea1n s\u1ebd th\u1edf ph\u00e0o nh\u1eb9 nh\u00f5m khi m\u00ecnh \u0111\u00e3 mua b\u1ea3o hi\u1ec3m hai chi\u1ec1u v\u00e0 ch\u00ednh m\u00ecnh c\u0169ng s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ec1n b\u00f9 thi\u1ec7t h\u1ea1i.&nbsp;<\/p>\n\n\n\n<p>N\u1ebfu c\u1ea7n t\u00ecm hi\u1ec3u th\u00eam v\u1ec1 vi\u1ec7c c\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m hai chi\u1ec1u hay kh\u00f4ng, \u0111\u1eebng ng\u1ea7n ng\u1ea1i li\u00ean h\u1ec7 v\u1edbi \u0111\u1ed9 ng\u0169 t\u01b0 v\u1ea5n c\u1ee7a Saladin. Saladin l\u00e0 n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7 thu\u1eadn ti\u1ec7n, an to\u00e0n, gi\u00fap vi\u1ec7c mua b\u1ea3o hi\u1ec3m cho \u201cx\u1ebf h\u1ed9p\u201d tr\u1edf n\u00ean \u0111\u01a1n gi\u1ea3n h\u01a1n b\u1ea1n ngh\u0129. H\u00e3y \u0111\u1ec3 Saladin gi\u00fap b\u1ea1n ch\u1ecdn ra g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p nh\u1ea5t t\u1eeb nh\u1eefng c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u Vi\u1ec7t Nam \u0111\u1ec3 b\u1ea3o v\u1ec7 h\u00e0nh tr\u00ecnh c\u1ee7a m\u00ecnh c\u00f9ng \u201cx\u1ebf y\u00eau\u201d c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t nh\u00e9.<\/p>\n\n\n\n<p><strong>C\u1ea9m nang \u00f4 t\u00f4<\/strong>:  <a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-tai-nan-o-to\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">B\u1ea3o hi\u1ec3m tai n\u1ea1n \u00f4 t\u00f4<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-tnds-o-to\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">B\u1ea3o hi\u1ec3m TNDS \u00f4 t\u00f4<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-vat-chat-xe-o-to\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t xe \u00f4 t\u00f4<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/kinh-nghiem-lai-xe-an-toan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">L\u00e1i xe an to\u00e0n<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/phuot-xuyen-viet\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">Ph\u01b0\u1ee3t xuy\u00ean Vi\u1ec7t<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/thu-tuc-quy-dinh\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">Th\u1ee7 t\u1ee5c quy \u0111\u1ecbnh<\/span><\/a><\/p>\n\n\n\n<div class=\"wp-block-group alignfull is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group alignfull has-background is-layout-constrained wp-container-core-group-is-layout-7b61d197 wp-block-group-is-layout-constrained\" style=\"background-color:#defdff;padding-top:var(--wp--preset--spacing--superbspacing-xxlarge);padding-right:var(--wp--preset--spacing--superbspacing-small);padding-bottom:var(--wp--preset--spacing--superbspacing-xxlarge);padding-left:var(--wp--preset--spacing--superbspacing-small)\">\n<div class=\"wp-block-group alignwide is-content-justification-space-between is-layout-flex wp-container-core-group-is-layout-70cc1671 wp-block-group-is-layout-flex\">\n<div class=\"wp-block-group is-layout-constrained wp-container-core-group-is-layout-fe6fb673 wp-block-group-is-layout-constrained\">\n<p class=\"has-text-align-left has-text-color has-superbfont-xlarge-font-size\" style=\"color:#1e3888\"><strong>B\u1ea2O HI\u1ec2M V\u1eacT CH\u1ea4T \u00d4 T\u00d4 5.0<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left has-text-color\" style=\"color:#1e3888;font-size:28px\"><strong>5 B\u01af\u1edaC MUA, 5 PH\u00daT XONG, D\u1ec4 NH\u01af KH\u00d4NG!<\/strong><\/p>\n<\/div>\n\n\n<div style=\"gap: 20px;\" class=\"align-button-center ub-buttons orientation-button-row ub-flex-wrap wp-block-ub-button\" id=\"ub-button-42c93faa-2a57-4a45-813e-ae9ad97925a0\"><div class=\"ub-button-container\">\n\t\t\t<a href=\"https:\/\/www.saladin.vn\/mua-bao-hiem-vat-chat-toan-dien-xe-oto\/thong-tin-xe?utm_source=Blog&amp;utm_medium=Promotion&amp;utm_content=Article&amp;utm_campaign=CarCom_01042026_Camp_PromoAprMay\" target=\"_blank\" rel=\"noopener noreferrer  nofollow \" class=\"ub-button-block-main   ub-button-flex\" role=\"button\" style=\"--ub-button-background-color: rgb(20, 197, 96); --ub-button-color: rgb(255, 255, 255); --ub-button-border: none; --ub-button-hover-background-color: #313131; --ub-button-hover-color: #ffffff; --ub-button-hover-border: none; padding-top: 10px; padding-right: 10px; padding-bottom: 10px; padding-left: 10px; border-top-left-radius: 10px;; border-top-right-radius: 10px;; border-bottom-left-radius: 10px;; border-bottom-right-radius: 10px;; \">\n\t\t\t\t<div class=\"ub-button-content-holder\" style=\"flex-direction: row\">\n\t\t\t\t\t<span class=\"ub-button-block-btn\">MUA NGAY<\/span>\n\t\t\t\t<\/div>\n\t\t\t<\/a>\n\t\t<\/div><\/div><\/div>\n<\/div>\n<\/div>\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 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