{"id":5278,"date":"2022-10-31T09:32:34","date_gmt":"2022-10-31T02:32:34","guid":{"rendered":"https:\/\/news.saladin.vn\/?p=5278"},"modified":"2024-03-21T18:06:34","modified_gmt":"2024-03-21T11:06:34","slug":"chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-nha-tu-nhan\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha\/","title":{"rendered":"Ch\u00e1y chung c\u01b0, nh\u00e0 \u1edf v\u00e0 vai tr\u00f2 c\u1ee7a b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0"},"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-nha-tu-nhan\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha\/#Thuc_trang_chay_no_nha_o_chung_cu\" >Th\u1ef1c tr\u1ea1ng ch\u00e1y n\u1ed5 nh\u00e0 \u1edf, chung c\u01b0<\/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-nha-tu-nhan\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha\/#Chay_va_no_co_giong_nhau_khong\" >Ch\u00e1y v\u00e0 n\u1ed5 c\u00f3 gi\u1ed1ng nhau kh\u00f4ng?&nbsp;<\/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-nha-tu-nhan\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha\/#Nguyen_nhan_dan_den_cac_vu_chay_nha_o_chung_cu\" >Nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn c\u00e1c v\u1ee5 ch\u00e1y nh\u00e0 \u1edf, chung c\u01b0<\/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-nha-tu-nhan\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha\/#Bao_hiem_nha_o_la_gi\" >B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf 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-5\" href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-nha-tu-nhan\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha\/#Quyen_loi_va_pham_vi_bao_hiem_cua_bao_hiem_nha_o_%E2%80%93_Liberty_Homecare\" >Quy\u1ec1n l\u1ee3i v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf &#8211; Liberty Homecare<\/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-nha-tu-nhan\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha\/#Ket_luan\" >K\u1ebft lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>L\u01b0\u1ee3ng b\u00e1o ch\u00ed \u0111\u01b0a tin v\u1ec1 nh\u1eefng v\u1ee5 ch\u00e1y nh\u00e0 \u1edf c\u00e1c th\u00e0nh ph\u1ed1 l\u1edbn hi\u1ec7n nay \u0111\u00e3 l\u00ean \u0111\u1ebfn m\u1ee9c \u0111\u00e1ng lo ng\u1ea1i. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7t ra m\u1ed9t c\u00e2u h\u1ecfi t\u1ea1i sao nh\u00e0 \u1edf v\u00e0 chung c\u01b0 l\u1ea1i c\u00f3 kh\u1ea3 n\u0103ng ch\u00e1y, n\u1ed5 cao \u0111\u1ebfn nh\u01b0 v\u1eady, \u0111\u1eb7c bi\u1ec7t l\u00e0 \u1edf nh\u1eefng th\u00e0nh ph\u1ed1 l\u1edbn. N\u1ebfu tham gia <strong><a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-nha-tu-nhan\/\" target=\"_blank\" rel=\"noopener\" title=\"\">b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0<\/a><\/strong>, trong nh\u1eefng tr\u01b0\u1eddng h\u1ee3p tai n\u1ea1n t\u01b0\u01a1ng t\u1ef1 ch\u1ee7 nh\u00e0 s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 nh\u01b0 th\u1ebf n\u00e0o? H\u00e3y c\u00f9ng Saladin \u0111i t\u00ecm l\u1eddi gi\u1ea3i \u0111\u00e1p th\u00f4ng qua b\u00e0i vi\u1ebft n\u00e0y nh\u00e9!<\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"627\" src=\"https:\/\/news.saladin.vn\/wp-content\/uploads\/2022\/10\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha-1024x627.jpg\" alt=\"\" class=\"wp-image-5281\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/26114557\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha-1024x627.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/26114557\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha-300x184.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/26114557\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha-768x470.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/26114557\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha-1536x941.jpg 1536w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/26114557\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha.jpg 1633w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Thuc_trang_chay_no_nha_o_chung_cu\"><\/span><strong>Th\u1ef1c tr\u1ea1ng ch\u00e1y n\u1ed5 nh\u00e0 \u1edf, chung c\u01b0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Nh\u1eefng th\u00e1ng cu\u1ed1i n\u0103m 2022 \u0111\u00e3 ghi nh\u1eadn con s\u1ed1 \u0111\u00e1ng lo ng\u1ea1i v\u1ec1 nh\u1eefng v\u1ee5 ch\u00e1y li\u00ean ti\u1ebfp t\u1ea1i c\u00e1c t\u00f2a chung c\u01b0 \u1edf TP.HCM v\u00e0 H\u00e0 N\u1ed9i. G\u1ea7n \u0111\u00e2y nh\u1ea5t l\u00e0 v\u1ee5 ch\u00e1y chung c\u01b0 mini, khi\u1ebfn 11 ng\u01b0\u1eddi b\u1ecb \u1ea3nh h\u01b0\u1edfng v\u00e0 3 ng\u01b0\u1eddi b\u1ecb th\u01b0\u01a1ng. V\u1ee5 ch\u00e1y \u0111\u00e3 thi\u00eau r\u1ee5i nhi\u1ec1u xe m\u00e1y c\u00f9ng nh\u1eefng v\u1eadt d\u1ee5ng kh\u00e1c c\u1ee7a c\u01b0 d\u00e2n, g\u00e2y n\u00ean nh\u1eefng thi\u1ec7t h\u1ea1i \u0111\u00e1ng k\u1ec3. Tr\u01b0\u1edbc \u0111\u00f3 c\u0169ng \u0111\u00e3 c\u00f3 nh\u1eefng v\u1ee5 ch\u00e1y g\u00e2y thi\u1ec7t h\u1ea1i v\u1ec1 ng\u01b0\u1eddi nh\u01b0 v\u1ee5 ch\u00e1y chung c\u01b0 Carina \u1edf TP.HCM khi\u1ebfn 13 ng\u01b0\u1eddi ch\u1ebft, v\u1ee5 ch\u00e1y chung c\u01b0 t\u1ea7ng 9 khu \u0111\u00f4 th\u1ecb Ciputra, ch\u00e1y nh\u00e0 kinh doanh bia, n\u01b0\u1edbc gi\u1ea3i kh\u00e1t \u1edf qu\u1eadn 12\u2026&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Chay_va_no_co_giong_nhau_khong\"><\/span><strong>Ch\u00e1y v\u00e0 n\u1ed5 c\u00f3 gi\u1ed1ng nhau kh\u00f4ng?&nbsp;<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0110a ph\u1ea7n, hi\u1ec7n t\u01b0\u1ee3ng ch\u00e1y s\u1ebd x\u1ea3y ra tr\u01b0\u1edbc v\u00e0 n\u1ed5 s\u1ebd l\u00e0 nh\u1eefng ph\u1ea3n \u1ee9ng m\u1ea1nh m\u1ebd theo sau. M\u1ed9t \u0111\u00e1m ch\u00e1y l\u1edbn s\u1ebd khi\u1ebfn kh\u00f4ng kh\u00ed gi\u00e3n n\u1edf r\u1ea5t nhanh, t\u1eeb \u0111\u00f3 d\u1eabn \u0111\u1ebfn n\u1ed5.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Nguyen_nhan_dan_den_cac_vu_chay_nha_o_chung_cu\"><\/span><strong>Nguy\u00ean nh\u00e2n d\u1eabn \u0111\u1ebfn c\u00e1c v\u1ee5 ch\u00e1y nh\u00e0 \u1edf, chung c\u01b0<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Th\u00f4ng th\u01b0\u1eddng, c\u00e1c v\u1ee5 ch\u00e1y kh\u1edfi ngu\u1ed3n t\u1eeb nh\u1eefng nguy\u00ean nh\u00e2n ch\u1ee7 quan, do s\u1ef1 b\u1ea5t c\u1ea9n c\u1ee7a con ng\u01b0\u1eddi ho\u1eb7c do c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1ch quan nh\u01b0 s\u1ef1 c\u1ed1 v\u1ec1 \u0111i\u1ec7n, h\u1ec7 th\u1ed1ng gas\u2026 D\u01b0\u1edbi \u0111\u00e2y l\u00e0 c\u00e1c nguy\u00ean nh\u00e2n ph\u1ed5 bi\u1ebfn nh\u1ea5t d\u1eabn \u0111\u1ebfn ch\u00e1y, n\u1ed5:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>R\u00f2 r\u1ec9 \u0111i\u1ec7n d\u1eabn \u0111\u1ebfn ch\u00e1y n\u1ed5 t\u1eeb c\u00e1c thi\u1ebft b\u1ecb s\u01b0\u1edbi \u1ea5m v\u00e0 thi\u1ebft b\u1ecb \u0111i\u1ec7n<\/li>\n\n\n\n<li>Do t\u00e0n thu\u1ed1c l\u00e1 ch\u01b0a t\u1eaft<\/li>\n\n\n\n<li>S\u1eed d\u1ee5ng n\u1ebfn kh\u00f4ng an to\u00e0n<\/li>\n\n\n\n<li>H\u1ec7 th\u1ed1ng d\u00e2y d\u1eabn \u0111i\u1ec7n trong nh\u00e0 b\u1ecb l\u1ed7i, ch\u1eadp<\/li>\n\n\n\n<li>Ch\u00e1y, n\u1ed5 do b\u1ea5t c\u1ea9n khi s\u1eed d\u1ee5ng b\u00ecnh gas<\/li>\n<\/ul>\n\n\n\n<p>Ngo\u00e0i nh\u1eefng nguy\u00ean nh\u00e2n ph\u1ed5 bi\u1ebfn n\u00eau tr\u00ean, v\u1eabn s\u1ebd lu\u00f4n c\u00f3 v\u00f4 v\u00e0n nh\u1eefng hi\u1ec3m nguy kh\u00e1c m\u00e0 ta kh\u00f4ng th\u1ec3 l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c. Nh\u01b0 v\u1eady, vi\u1ec7c nh\u1eadn th\u1ee9c \u0111\u01b0\u1ee3c nh\u1eefng nguy\u00ean nh\u00e2n ph\u1ed5 bi\u1ebfn d\u1eabn \u0111\u1ebfn ch\u00e1y n\u1ed5 v\u00e0 c\u00f3 nh\u1eefng bi\u1ec7n ph\u00e1p ph\u00f2ng tr\u00e1nh h\u1ee3p l\u00ed l\u00e0 \u0111i\u1ec1u h\u1ebft s\u1ee9c c\u1ea7n thi\u1ebft. V\u00e0 \u0111\u1ec3 \u0111em l\u1ea1i s\u1ef1 b\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n h\u01a1n cho c\u01b0 d\u00e2n, <strong>b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0<\/strong> ch\u00ednh l\u00e0 s\u1ef1 \u0111\u1ea3m b\u1ea3o t\u00e0i ch\u00ednh m\u1ed7i khi nh\u1eefng s\u1ef1 ki\u1ec7n kh\u00f4ng may nh\u01b0 ch\u00e1y, n\u1ed5 x\u1ea3y ra.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Bao_hiem_nha_o_la_gi\"><\/span><strong><a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-nha-tu-nhan\/\" target=\"_blank\" rel=\"noopener\" title=\"\">B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf<\/a> l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf hay c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 <strong>b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0<\/strong> l\u00e0 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m \u0111em l\u1ea1i s\u1ef1 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho ch\u1ee7 s\u1edf h\u1eefu nh\u00e0 khi c\u00f3 nh\u1eefng r\u1ee7i ro x\u1ea3y ra g\u00e2y thi\u1ec7t h\u1ea1i \u0111\u1ebfn nh\u00e0 v\u00e0 t\u00e0i s\u1ea3n trong nh\u00e0.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quyen_loi_va_pham_vi_bao_hiem_cua_bao_hiem_nha_o_%E2%80%93_Liberty_Homecare\"><\/span><strong>Quy\u1ec1n l\u1ee3i v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a <\/strong><strong>b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf<\/strong><strong> &#8211; <\/strong><strong>Liberty Homecare<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u0110\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m<\/strong><\/h3>\n\n\n\n<p>\u0110\u1ed1i t\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e0 Homecare bao g\u1ed3m:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u0103n h\u1ed9 chung c\u01b0<\/li>\n\n\n\n<li>Nh\u00e0 li\u1ec1n k\u1ec1<\/li>\n\n\n\n<li>Bi\u1ec7t th\u1ef1 (villa)&nbsp;<\/li>\n\n\n\n<li>Nh\u00e0 ri\u00eang<\/li>\n<\/ul>\n\n\n\n<p>(m\u1ee5c \u0111\u00edch s\u1eed d\u1ee5ng l\u00e0m nh\u00e0 \u1edf, ho\u1eb7c v\u1eeba l\u00e0m nh\u00e0 \u1edf v\u1eeba s\u1eed d\u1ee5ng m\u1ed9t ph\u1ea7n l\u00e0m v\u0103n ph\u00f2ng t\u1ea1i nh\u00e0)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Ph\u1ea1m vi, quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m<\/strong><\/h3>\n\n\n\n<p>C\u00f3 3 quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m trong m\u1ed9t g\u00f3i <strong>b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf <\/strong>Liberty Homecare:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t<\/strong>: Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y b\u1ea3o hi\u1ec3m cho nh\u1eefng r\u1ee7i ro g\u00e2y n\u00ean b\u1edfi ch\u00e1y n\u1ed5, \u0111\u1ed9ng \u0111\u1ea5t, s\u00e9t \u0111\u00e1nh, l\u1ee5t, \u0111\u00e2m va b\u1edfi c\u00e1c lo\u1ea1i ph\u01b0\u01a1ng ti\u1ec7n\u2026 C\u00e1c t\u00e0i s\u1ea3n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m s\u1ebd bao g\u1ed3m nh\u00e0, chi ph\u00ed t\u00e2n trang, c\u1ea3i t\u1ea1o, t\u00e0i s\u1ea3n b\u00ean trong nh\u00e0, t\u00e0i s\u1ea3n x\u00e1ch tay. Ngo\u00e0i ra, c\u00f2n nh\u1eefng quy\u1ec1n l\u1ee3i b\u1ed5 sung nh\u01b0 chi ph\u00ed ch\u1ed7 \u1edf t\u1ea1m th\u1eddi, b\u1ed3i th\u01b0\u1eddng t\u1eed vong v\u00e0 nh\u1eefng t\u1ed5n th\u1ea5t v\u1ec1 t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n c\u1ee7a ng\u01b0\u1eddi gi\u00fap vi\u1ec7c<\/li>\n\n\n\n<li><strong>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m c\u00e1 nh\u00e2n, gia \u0111\u00ecnh:<\/strong> Nh\u1eefng s\u1ef1 c\u1ed1 ch\u00e1y, n\u1ed5 c\u00f3 g\u00e2y \u1ea3nh h\u01b0\u1edfng cho b\u00ean th\u1ee9 3 s\u1ebd \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m thanh to\u00e1n b\u1ed3i th\u01b0\u1eddng \u0111\u1ed1i v\u1edbi nh\u1eefng tr\u01b0\u1eddng h\u1ee3p nh\u01b0 t\u1eed vong ho\u1eb7c th\u01b0\u01a1ng t\u1eadt th\u00e2n th\u1ec3, m\u1ea5t m\u00e1t, ph\u00e1 h\u1ee7y ho\u1eb7c thi\u1ec7t h\u1ea1i t\u00e0i s\u1ea3n.&nbsp;<\/li>\n\n\n\n<li><strong>B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n<\/strong>: C\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd b\u1ed3i th\u01b0\u1eddng cho nh\u1eefng tr\u01b0\u1eddng h\u1ee3p bao g\u1ed3m t\u1eed vong, th\u01b0\u01a1ng t\u1eadt v\u0129nh vi\u1ec5n, chi ph\u00ed y t\u1ebf.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>T\u1eeb nh\u1eefng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m n\u00eau tr\u00ean, ta c\u00f3 th\u1ec3 th\u1ea5y r\u1eb1ng \u0111a ph\u1ea7n nh\u1eefng chi ph\u00ed ph\u00e1t sinh khi x\u1ea3y ra ch\u00e1y n\u1ed5 s\u1ebd \u0111\u01b0\u1ee3c c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u1ed7 tr\u1ee3 v\u00e0 gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh cho ng\u01b0\u1eddi b\u1ecb \u1ea3nh h\u01b0\u1edfng.&nbsp;<\/p>\n\n\n\n<p>L\u01b0u \u00fd r\u1eb1ng nh\u1eefng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb b\u1ea3o hi\u1ec3m.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>T\u1ea1i sao n\u00ean <a href=\"https:\/\/www.saladin.vn\/bao-hiem-nha-tu-nhan\" target=\"_blank\" rel=\"noopener\" title=\"mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0\">mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0<\/a>?\u00a0<\/strong><\/h3>\n\n\n\n<p>Chi ph\u00ed s\u1eeda ch\u1eefa, t\u00e2n trang l\u1ea1i nh\u00e0 c\u1eeda sau nh\u1eefng s\u1ef1 c\u1ed1 th\u01b0\u1eddng kh\u00e1 cao, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong tr\u01b0\u1eddng h\u1ee3p h\u01b0 t\u1ed5n to\u00e0n b\u1ed9 c\u0103n nh\u00e0 v\u00e0 t\u00e0i s\u1ea3n. Vi\u1ec7c trang b\u1ecb cho gia \u0111\u00ecnh m\u1ed9t g\u00f3i b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf s\u1ebd \u0111em l\u1ea1i s\u1ef1 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh to\u00e0n di\u1ec7n h\u01a1n nh\u1eb1m gi\u1ea3m thi\u1ec3u chi ph\u00ed khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Ket_luan\"><\/span><strong>K\u1ebft lu\u1eadn<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Saladin hi v\u1ecdng r\u1eb1ng b\u00e0i vi\u1ebft tr\u00ean \u0111\u00e3 cung c\u1ea5p cho b\u1ea1n nh\u1eefng th\u00f4ng tin h\u1eefu \u00edch v\u1ec1 ch\u00e1y n\u1ed5 nh\u00e0 \u1edf, chung c\u01b0 c\u00f9ng v\u1edbi vai tr\u00f2 c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf. N\u1ebfu b\u1ea1n \u0111ang c\u00f3 nhu c\u1ea7u b\u1ea3o v\u1ec7 t\u1ed5 \u1ea5m v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf th\u00ec m\u00e1ch b\u1ea1n r\u1eb1ng s\u1ea3n ph\u1ea9m <strong>b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf Liberty HomeCare<\/strong> c\u00f9ng c\u00e1c g\u00f3i <strong>b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0<\/strong> c\u1ee7a nh\u1eefng c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u kh\u00e1c \u0111\u01b0\u1ee3c ph\u00e2n ph\u1ed1i tr\u00ean n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7 Saladin. B\u1ea1n c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf online v\u00e0 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3, t\u01b0 v\u1ea5n kh\u00e1ch h\u00e0ng 24\/7 khi li\u00ean h\u1ec7 c\u00f9ng ch\u00fang t\u00f4i.<\/p>\n\n\n\n<p class=\"has-neutral-color has-text-color has-link-color wp-elements-b437948250e73815526d419624d9b6b3\"><em>B\u00e0i vi\u1ebft ch\u1ec9 mang t\u00ednh ch\u1ea5t tham kh\u1ea3o. Vui l\u00f2ng li\u00ean h\u1ec7 v\u1edbi Saladin \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n v\u00e0 h\u1ed7 tr\u1ee3 t\u00ecm \u0111\u01b0\u1ee3c c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p.<\/em><\/p>\n\n\n<div class=\"wp-block-ub-divider ub_divider ub-divider-orientation-horizontal\" id=\"ub_divider_7fb4fb86-0bbe-4916-b312-3c5a8bed64e5\"><div class=\"ub_divider_wrapper\" style=\"position: relative; margin-bottom: 2px; width: 100%; height: 2px; \" data-divider-alignment=\"center\"><div class=\"ub_divider_line\" style=\"border-top: 2px solid #ccc; margin-top: 2px; \"><\/div><\/div><\/div>\n\n\n<p class=\"has-text-align-center\"><strong>M\u1eccI NHU C\u1ea6U T\u01af V\u1ea4N V\u00c0 TH\u1eaeC M\u1eaeC LI\u00caN H\u1ec6<\/strong><\/p>\n\n\n\n<div class=\"wp-block-columns alignwide is-layout-flex wp-container-core-columns-is-layout-829b1d53 wp-block-columns-is-layout-flex\" style=\"margin-bottom:0\">\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-57dcfbfab3f79008775569f15cda7bcd is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#ffe7a9;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Hotline<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">1900 638 454<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-css-opacity has-background is-style-wide\" style=\"background-color:#000000;color:#000000\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-6fe39665-9687-4805-a08b-8cb9136d0eed\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M497.39 361.8l-112-48a24 24 0 0 0-28 6.9l-49.6 60.6A370.66 370.66 0 0 1 130.6 204.11l60.6-49.6a23.94 23.94 0 0 0 6.9-28l-48-112A24.16 24.16 0 0 0 122.6.61l-104 24A24 24 0 0 0 0 48c0 256.5 207.9 464 464 464a24 24 0 0 0 23.4-18.6l24-104a24.29 24.29 0 0 0-14.01-27.6z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-f9eb0e952eefc6334c0ed0cca37a0b77 is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#d0cef3;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Email<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">cs@saladin.vn<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-black-color has-alpha-channel-opacity has-black-background-color has-background is-style-wide\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-f3a12b16-4fe6-4a09-9d7c-ddf1ba2433b2\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 24 24\" aria-hidden=\"true\"><path d=\"M20,4H4C2.895,4,2,4.895,2,6v12c0,1.105,0.895,2,2,2h16c1.105,0,2-0.895,2-2V6C22,4.895,21.105,4,20,4z M20,8.236l-8,4.882 L4,8.236V6h16V8.236z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column has-text-color has-background has-link-color wp-elements-e813327978d5c9622d233ca6561fe404 is-layout-flow wp-block-column-is-layout-flow\" style=\"color:#000000;background-color:#8cece0;padding-top:2em;padding-right:2em;padding-bottom:2em;padding-left:2em\">\n<p class=\"has-text-align-center has-normal-font-size\" style=\"line-height:0.5\"><strong>Website<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:20px;font-style:normal;font-weight:700;line-height:0.1\">saladin.vn<\/p>\n\n\n\n<hr class=\"wp-block-separator has-text-color has-black-color has-alpha-channel-opacity has-black-background-color has-background is-style-wide\"\/>\n\n\n<div style=\"--ub-icon-rotation:rotate(0deg);--ub-icon-size:40px;--ub-icon-justification:center;--ub-icon-border-top:  undefined;--ub-icon-border-right:  undefined;--ub-icon-border-bottom:  undefined;--ub-icon-border-left:  undefined\" class=\"wp-block-ub-icon\" id=\"ub-icon-7c3843d8-7f5c-4f60-8526-a7681251c1a4\"><div class=\"ub_icon\"><div class=\"ub_icon_wrapper\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 496 512\"><path d=\"M336.5 160C322 70.7 287.8 8 248 8s-74 62.7-88.5 152h177zM152 256c0 22.2 1.2 43.5 3.3 64h185.3c2.1-20.5 3.3-41.8 3.3-64s-1.2-43.5-3.3-64H155.3c-2.1 20.5-3.3 41.8-3.3 64zm324.7-96c-28.6-67.9-86.5-120.4-158-141.6 24.4 33.8 41.2 84.7 50 141.6h108zM177.2 18.4C105.8 39.6 47.8 92.1 19.3 160h108c8.7-56.9 25.5-107.8 49.9-141.6zM487.4 192H372.7c2.1 21 3.3 42.5 3.3 64s-1.2 43-3.3 64h114.6c5.5-20.5 8.6-41.8 8.6-64s-3.1-43.5-8.5-64zM120 256c0-21.5 1.2-43 3.3-64H8.6C3.2 212.5 0 233.8 0 256s3.2 43.5 8.6 64h114.6c-2-21-3.2-42.5-3.2-64zm39.5 96c14.5 89.3 48.7 152 88.5 152s74-62.7 88.5-152h-177zm159.3 141.6c71.4-21.2 129.4-73.7 158-141.6h-108c-8.8 56.9-25.6 107.8-50 141.6zM19.3 352c28.6 67.9 86.5 120.4 158 141.6-24.4-33.8-41.2-84.7-50-141.6h-108z\"><\/path><\/svg><\/div><\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>L\u01b0\u1ee3ng b\u00e1o ch\u00ed \u0111\u01b0a tin v\u1ec1 nh\u1eefng v\u1ee5 ch\u00e1y nh\u00e0 \u1edf c\u00e1c th\u00e0nh ph\u1ed1 l\u1edbn hi\u1ec7n nay \u0111\u00e3 l\u00ean \u0111\u1ebfn m\u1ee9c \u0111\u00e1ng lo ng\u1ea1i. \u0110i\u1ec1u n\u00e0y \u0111\u1eb7t ra m\u1ed9t c\u00e2u [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":5279,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"ub_ctt_via":"","advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","footnotes":""},"categories":[100],"tags":[136,137],"class_list":["post-5278","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-nha-tu-nhan","tag-bao-hiem-chay-no-nha","tag-bao-hiem-nha-o"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/10\/26114449\/142.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\/2022\/10\/26114449\/142-300x151.png","coauthors":[],"tax_additional":{"categories":{"linked":["<a 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