{"id":6493,"date":"2022-11-16T16:38:45","date_gmt":"2022-11-16T09:38:45","guid":{"rendered":"https:\/\/www.saladin.vn\/blog\/?p=6493"},"modified":"2022-11-22T14:04:36","modified_gmt":"2022-11-22T07:04:36","slug":"bao-hiem-nha-chung-cu-la-gi-co-bat-buoc-khong","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-nha-tu-nhan\/bao-hiem-nha-chung-cu-la-gi-co-bat-buoc-khong\/","title":{"rendered":"B\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0 l\u00e0 g\u00ec? C\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng?"},"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\/bao-hiem-nha-chung-cu-la-gi-co-bat-buoc-khong\/#I_Bao_hiem_nha_chung_cu_la_gi\" >I. B\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0 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-nha-tu-nhan\/bao-hiem-nha-chung-cu-la-gi-co-bat-buoc-khong\/#II_Bao_hiem_nha_chung_cu_do_ai_mua\" >II. B\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0 do ai mua?<\/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\/bao-hiem-nha-chung-cu-la-gi-co-bat-buoc-khong\/#III_So_sanh_Bao_hiem_Chay_no_nha_chung_cu_va_Bao_hiem_nha_o_toan_dien\" >III. So s\u00e1nh B\u1ea3o hi\u1ec3m Ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0 v\u00e0 B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf to\u00e0n di\u1ec7n<\/a><\/li><\/ul><\/nav><\/div>\n\n<p><strong><em>\u1ede chung c\u01b0 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n ph\u00f3 th\u00e1c tr\u00e1ch nhi\u1ec7m b\u1ea3o v\u1ec7 nh\u00e0 v\u00e0 t\u00e0i s\u1ea3n trong nh\u00e0 cho ban qu\u1ea3n l\u00fd ho\u1eb7c ch\u1ee7 \u0111\u1ea7u t\u01b0. Khi c\u00f3 s\u1ef1 c\u1ed1 g\u00e2y ra t\u1ed5n th\u1ea5t t\u00e0i s\u1ea3n, ch\u1ee7 nh\u00e0 v\u1eabn l\u00e0 ng\u01b0\u1eddi ch\u1ecbu thi\u1ec7t h\u1ea1i nh\u1ea5t. Do \u0111\u00f3, <a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-nha-o\/\" title=\"b\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0\">b\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0<\/a> l\u00e0 \u0111i\u1ec1u m\u00e0 ch\u1ee7 nh\u00e0 n\u00ean t\u00ecm hi\u1ec3u c\u00e0ng s\u1edbm c\u00e0ng t\u1ed1t.<\/em><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-resized\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/11\/17180831\/bao-hiem-nha-chung-cu-la-gi-co-bat-buoc-khong2-1024x683.jpg\" alt=\"\" class=\"wp-image-6649\" width=\"875\" height=\"584\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/11\/17180831\/bao-hiem-nha-chung-cu-la-gi-co-bat-buoc-khong2-1024x683.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/11\/17180831\/bao-hiem-nha-chung-cu-la-gi-co-bat-buoc-khong2-300x200.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/11\/17180831\/bao-hiem-nha-chung-cu-la-gi-co-bat-buoc-khong2-768x512.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/11\/17180831\/bao-hiem-nha-chung-cu-la-gi-co-bat-buoc-khong2.jpg 1500w\" sizes=\"auto, (max-width: 875px) 100vw, 875px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"I_Bao_hiem_nha_chung_cu_la_gi\"><\/span><strong>I. <a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-nha-chung-cu\/\" title=\"B\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0\">B\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0<\/a> l\u00e0 g\u00ec?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>B\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0<\/strong> l\u00e0 kh\u00e1i ni\u1ec7m th\u01b0\u1eddng \u0111\u1ec3 ch\u1ec9 lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd b\u1ed3i th\u01b0\u1eddng cho nh\u1eefng thi\u1ec7t h\u1ea1i, t\u1ed5n th\u1ea5t x\u1ea3y ra \u0111\u1ed1i v\u1edbi c\u0103n nh\u00e0 chung c\u01b0 c\u1ee7a b\u1ea1n.<\/p>\n\n\n\n<p>B\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0 th\u01b0\u1eddng \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 hai lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c;<\/li>\n\n\n\n<li>B\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0 to\u00e0n di\u1ec7n t\u1ef1 nguy\u1ec7n: Bao g\u1ed3m c\u00e1c quy\u1ec1n l\u1ee3i m\u1edf r\u1ed9ng h\u01a1n so v\u1edbi b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"II_Bao_hiem_nha_chung_cu_do_ai_mua\"><\/span><strong>II. B\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0 do ai mua?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Theo quy \u0111\u1ecbnh, to\u00e0n b\u1ed9 c\u00e1c t\u00e0i s\u1ea3n thu\u1ed9c s\u1edf h\u1eefu chung v\u00e0 s\u1edf h\u1eefu ri\u00eang c\u1ee7a c\u01b0 d\u00e2n trong chung c\u01b0 s\u1ebd \u0111\u1ec1u ph\u1ea3i mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5. Ng\u01b0\u1eddi c\u00f3 tr\u00e1ch nhi\u1ec7m mua b\u1ea3o hi\u1ec3m s\u1ebd chia l\u00e0m 2 tr\u01b0\u1eddng h\u1ee3p:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>N\u1ebfu c\u0103n h\u1ed9 chung c\u01b0 v\u1eabn thu\u1ed9c ch\u1ee7 \u0111\u1ea7u t\u01b0 s\u1edf h\u1eefu<\/strong> th\u00ec ch\u1ee7 \u0111\u1ea7u t\u01b0 ph\u1ea3i c\u00f3 tr\u00e1ch nhi\u1ec7m mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5.<\/li>\n\n\n\n<li><strong>N\u1ebfu c\u0103n h\u1ed9 \u0111\u00e3 \u0111\u01b0\u1ee3c mua v\u00e0 ch\u1ee7 c\u0103n chung c\u01b0 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea5p Gi\u1ea5y ch\u1ee9ng nh\u1eadn quy\u1ec1n s\u1edf h\u1eefu nh\u00e0 \u1edf<\/strong> th\u00ec ch\u1ee7 c\u0103n h\u1ed9 \u0111\u00f3 c\u00f3 tr\u00e1ch nhi\u1ec7m ph\u1ea3i mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 ph\u1ea7n nh\u00e0 chung c\u01b0 \u0111\u00e3 mua, k\u1ec3 c\u1ea3 chung c\u01b0 c\u00f3 Ban qu\u1ea3n l\u00fd hay ch\u01b0a.<\/li>\n<\/ul>\n\n\n\n<p>Ngo\u00e0i tr\u00e1ch nhi\u1ec7m mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi ph\u1ea7n s\u1edf h\u1eefu ri\u00eang c\u1ee7a m\u00ecnh, ch\u1ee7 c\u0103n h\u1ed9 c\u1ea7n c\u00f3 tr\u00e1ch nhi\u1ec7m \u0111\u00f3ng g\u00f3p chi ph\u00ed mua b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi ph\u1ea7n s\u1edf h\u1eefu chung theo c\u00f4ng th\u1ee9c:<\/p>\n\n\n\n<p><em>M\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 th\u1ef1c t\u1ebf ph\u1ea3i \u0111\u00f3ng = T\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m x Gi\u00e1 tr\u1ecb c\u0103n chung c\u01b0<\/em><\/p>\n\n\n\n<p>Trong \u0111\u00f3, t\u1ef7 l\u1ec7 ph\u00ed b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 ph\u1ea3i \u0111\u00f3ng \u0111\u1ed1i v\u1edbi:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nh\u00e0 chung c\u01b0 c\u00f3 h\u1ec7 th\u1ed1ng ch\u1eefa ch\u00e1y t\u1ef1 \u0111\u1ed9ng l\u00e0 <strong>0.05%<\/strong>;<\/li>\n\n\n\n<li>Nh\u00e0 chung c\u01b0 kh\u00f4ng c\u00f3 h\u1ec7 th\u1ed1ng ch\u1eefa ch\u00e1y t\u1ef1 \u0111\u1ed9ng l\u00e0 <strong>0.1%<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p>V\u00ed d\u1ee5: N\u1ebfu m\u1ed9t c\u0103n h\u1ed9 chung c\u01b0 c\u00f3 gi\u00e1 kho\u1ea3ng 2 t\u1ef7 \u0111\u1ed3ng c\u00f3 h\u1ec7 th\u1ed1ng ch\u1eefa ch\u00e1y t\u1ef1 \u0111\u1ed9ng th\u00ec ph\u00ed b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 h\u00e0ng n\u0103m l\u00e0 kho\u1ea3ng 2 tri\u1ec7u \u0111\u1ed3ng (ch\u01b0a bao g\u1ed3m thu\u1ebf GTGT).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"III_So_sanh_Bao_hiem_Chay_no_nha_chung_cu_va_Bao_hiem_nha_o_toan_dien\"><\/span><strong>III. So s\u00e1nh <a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-chay-no-nha\/\" title=\"B\u1ea3o hi\u1ec3m Ch\u00e1y n\u1ed5 nh\u00e0\">B\u1ea3o hi\u1ec3m Ch\u00e1y n\u1ed5 nh\u00e0<\/a> chung c\u01b0 v\u00e0 B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf to\u00e0n di\u1ec7n<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>B\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0<\/strong> chung c\u01b0 \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m ch\u1ec9 cung c\u1ea5p quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m cho c\u00e1c lo\u1ea1i r\u1ee7i ro c\u00f3 nguy\u00ean nh\u00e2n li\u00ean quan \u0111\u1ebfn ch\u00e1y, n\u1ed5.<\/p>\n\n\n\n<p>Trong khi \u0111\u00f3, <strong>B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf<\/strong> to\u00e0n di\u1ec7n \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n t\u1eeb ch\u00ednh lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 c\u1ed9ng th\u00eam quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m cho c\u00e1c r\u1ee7i ro \u0111\u1eb7c bi\u1ec7t, n\u00ean s\u1ebd c\u00f3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m r\u1ed9ng h\u01a1n so v\u1edbi b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5.<\/p>\n\n\n\n<p>M\u1ed9t v\u00ed d\u1ee5 v\u1ec1 <strong>b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf <\/strong>to\u00e0n di\u1ec7n l\u00e0 s\u1ea3n ph\u1ea9m Liberty Homecare m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 mua tr\u00ean <a href=\"https:\/\/www.saladin.vn\/blog\/saladin-co-gi-moi\/saladin-bao-hiem-nghe-nang-cong-tam-trai-nghiem-nguoi-dung-viet-nam\/\" title=\"\">n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7 <strong>Saladin<\/strong><\/a>. S\u1ea3n ph\u1ea9m n\u00e0y bao g\u1ed3m c\u00e1c quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m chung c\u01b0 to\u00e0n di\u1ec7n t\u1eeb v\u1eadt ch\u1ea5t ng\u00f4i nh\u00e0 cho \u0111\u1ebfn tai n\u1ea1n c\u00e1 nh\u00e2n v\u00e0 tr\u00e1ch nhi\u1ec7m c\u1ee7a ng\u01b0\u1eddi mua \u0111\u1ed1i v\u1edbi b\u00ean th\u1ee9 3.<\/p>\n\n\n\n<p>C\u1ee5 th\u1ec3 h\u01a1n:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. B\u1ea3o hi\u1ec3m Ch\u00e1y n\u1ed5 nh\u00e0 chung c\u01b0<\/strong><\/h3>\n\n\n\n<p>B\u1ed3i th\u01b0\u1eddng cho c\u00e1c t\u1ed5n th\u1ea5t \u0111\u1ed1i v\u1edbi ng\u00f4i nh\u00e0 v\u00e0 c\u00e1c thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n b\u00ean trong ng\u00f4i nh\u00e0 do c\u00e1c r\u1ee7i ro \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m nh\u01b0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u1ecfa ho\u1ea1n, S\u00e9t \u0111\u00e1nh, N\u1ed5;<\/li>\n\n\n\n<li>Thi\u00ean tai;<\/li>\n\n\n\n<li>V\u1ee1 ho\u1eb7c tr\u00e0n n\u01b0\u1edbc t\u1eeb c\u00e1c b\u1ec3 ch\u1ee9a n\u01b0\u1edbc, thi\u1ebft b\u1ecb ch\u1ee9a n\u01b0\u1edbc;<\/li>\n\n\n\n<li>Va ch\u1ea1m b\u1edfi c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n \u0111\u01b0\u1eddng b\u1ed9, ng\u1ef1a ho\u1eb7c gia s\u00fac kh\u00f4ng thu\u1ed9c s\u1edf h\u1eefu ho\u1eb7c quy\u1ec1n ki\u1ec3m so\u00e1t c\u1ee7a ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m (N\u0110BH);<\/li>\n\n\n\n<li>Tr\u1ed9m c\u1eafp c\u00f3 s\u1eed d\u1ee5ng v\u0169 l\u1ef1c (M\u1ea5t hi\u1ec7u l\u1ef1c b\u1ea3o hi\u1ec3m n\u1ebfu ng\u00f4i nh\u00e0 b\u1ecb b\u1ecf tr\u1ed1ng tr\u00ean 30 ng\u00e0y).<\/li>\n<\/ul>\n\n\n\n<p>Xem th\u00eam: <a href=\"https:\/\/www.saladin.vn\/blog\/bao-hiem-nha-o\/chay-chung-cu-nha-o-va-vai-tro-cua-bao-hiem-chay-no-nha\/\">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<\/a><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. <a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bao-hiem-nha-o\/\" title=\"B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf\">B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf<\/a> to\u00e0n di\u1ec7n<\/strong><\/h3>\n\n\n\n<p>B\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n nh\u00e0 chung c\u01b0 c\u00f3 ph\u1ea1m vi r\u1ed9ng h\u01a1n, bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea3o hi\u1ec3m ph\u1ea7n v\u1eadt ch\u1ea5t ng\u00f4i nh\u00e0<\/strong><\/li>\n\n\n\n<li>Khung nh\u00e0, t\u00e0i s\u1ea3n b\u00ean trong nh\u00e0, t\u00e0i s\u1ea3n qu\u00fd ho\u1eb7c t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n,&#8230; trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra t\u1ed5n th\u1ea5t do c\u00e1c nguy\u00ean nh\u00e2n:\n<ul class=\"wp-block-list\">\n<li>Ch\u00e1y, n\u1ed5, s\u00e9t \u0111\u00e1nh tr\u1ef1c ti\u1ebfp;<\/li>\n\n\n\n<li>Thi\u00ean tai;<\/li>\n\n\n\n<li>N\u01b0\u1edbc tr\u00e0n t\u1eeb \u0111\u01b0\u1eddng \u1ed1ng c\u1ea5p n\u01b0\u1edbc ho\u1eb7c h\u1ec7 th\u1ed1ng ch\u1eefa ch\u00e1y t\u1ef1 \u0111\u1ed9ng;<\/li>\n\n\n\n<li>Tr\u1ed9m c\u1eafp c\u00f3 s\u1eed d\u1ee5ng v\u0169 l\u1ef1c.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea3o hi\u1ec3m tai n\u1ea1n c\u00e1 nh\u00e2n<\/strong>: B\u1ed3i th\u01b0\u1eddng cho c\u00e1 nh\u00e2n v\u00e0 gia \u0111\u00ecnh N\u0110BH trong tr\u01b0\u1eddng h\u1ee3p kh\u00f4ng may b\u1ecb th\u01b0\u01a1ng t\u1eadt th\u00e2n th\u1ec3, t\u1eed vong, c\u00e1c chi ph\u00ed \u00fd t\u1ebf c\u1ea7n thi\u1ebft v\u00e0 h\u1ee3p l\u00fd \u0111\u1ec3 ch\u1eefa tr\u1ecb do tai n\u1ea1n.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Thay m\u1eb7t N\u0110BH b\u1ed3i th\u01b0\u1eddng nh\u1eefng chi ph\u00ed m\u00e0 N\u0110BH v\u00e0\/ho\u1eb7c b\u1ea5t k\u1ef3 th\u00e0nh vi\u00ean n\u00e0o trong gia \u0111\u00ecnh c\u1ee7a N\u0110BH ph\u1ea3i tr\u1ea3 cho b\u00ean th\u1ee9 ba do s\u01a1 xu\u1ea5t, b\u1ea5t c\u1ea9n trong qu\u00e1 tr\u00ecnh s\u1eed d\u1ee5ng Ng\u00f4i nh\u00e0 v\u00e0\/ho\u1eb7c c\u00e1c t\u00e0i s\u1ea3n b\u00ean trong Ng\u00f4i nh\u00e0.<\/li>\n<\/ul>\n\n\n\n<p>Nh\u00ecn chung, \u0111\u1ed1i v\u1edbi <strong>b\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0<\/strong>, n\u1ebfu c\u00f3 \u0111i\u1ec1u ki\u1ec7n, b\u1ea1n h\u00e3y ch\u1ecdn<strong> b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf<\/strong> to\u00e0n di\u1ec7n \u0111\u1ec3 b\u1ea3o v\u1ec7 ng\u00f4i nh\u00e0 c\u1ee7a m\u00ecnh t\u1ed1t h\u01a1n.<\/p>\n\n\n\n<p>Hi\u1ec7n nay, g\u00f3i <strong>b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf<\/strong> to\u00e0n di\u1ec7n Homecare c\u1ee7a Liberty l\u00e0 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m chung c\u01b0 \u0111\u01b0\u1ee3c \u01b0a chu\u1ed9ng tr\u00ean n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m c\u00f4ng ngh\u1ec7 <strong>Saladin<\/strong> b\u1edfi quy\u1ec1n l\u1ee3i ch\u00ednh \u0111a d\u1ea1ng, quy\u1ec1n l\u1ee3i b\u1ed5 sung linh ho\u1ea1t v\u00e0 kh\u00f4ng t\u00ednh ph\u00ed. \u0110\u1ec3 b\u1ea3o v\u1ec7 an to\u00e0n cho c\u0103n h\u1ed9 v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a m\u00ecnh, h\u00e3y truy c\u1eadp ngay website ho\u1eb7c \u1ee9ng d\u1ee5ng <strong>Saladin<\/strong> \u0111\u1ec3 <strong><a href=\"https:\/\/www.saladin.vn\/contact\" title=\"mua b\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0\">mua b\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0<\/a><\/strong> tr\u1ef1c tuy\u1ebfn th\u1eadt nhanh ch\u00f3ng v\u00e0 thu\u1eadn ti\u1ec7n nh\u00e9.<\/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>\u1ede chung c\u01b0 kh\u00f4ng c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n ph\u00f3 th\u00e1c tr\u00e1ch nhi\u1ec7m b\u1ea3o v\u1ec7 nh\u00e0 v\u00e0 t\u00e0i s\u1ea3n trong nh\u00e0 cho ban qu\u1ea3n l\u00fd ho\u1eb7c ch\u1ee7 \u0111\u1ea7u t\u01b0. Khi c\u00f3 [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":6501,"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":[100],"tags":[136,140,137],"class_list":["post-6493","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-chung-cu","tag-bao-hiem-nha-o"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/11\/17091935\/162.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\/11\/17091935\/162-300x151.png","coauthors":[],"tax_additional":{"categories":{"linked":["<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>"],"unlinked":["<span class=\"advgb-post-tax-term\">B\u1ea3o hi\u1ec3m nh\u00e0 t\u01b0 nh\u00e2n<\/span>"]},"tags":{"linked":["<a href=\"https:\/\/www.saladin.vn\/blog\/category\/bao-hiem-nha-tu-nhan\/\" class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0<\/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 chung c\u01b0<\/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 \u1edf<\/a>"],"unlinked":["<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m ch\u00e1y n\u1ed5 nh\u00e0<\/span>","<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m nh\u00e0 chung c\u01b0<\/span>","<span class=\"advgb-post-tax-term\">b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf<\/span>"]}},"comment_count":"0","relative_dates":{"created":"Posted 3 years ago","modified":"Updated 3 years ago"},"absolute_dates":{"created":"Posted on 16\/11\/2022","modified":"Updated on 22\/11\/2022"},"absolute_dates_time":{"created":"Posted on 16\/11\/2022 4:38 PM","modified":"Updated on 22\/11\/2022 2:04 PM"},"featured_img_caption":"","series_order":"","_links":{"self":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/6493","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=6493"}],"version-history":[{"count":13,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/6493\/revisions"}],"predecessor-version":[{"id":7039,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/posts\/6493\/revisions\/7039"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media\/6501"}],"wp:attachment":[{"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/media?parent=6493"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/categories?post=6493"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.saladin.vn\/blog\/wp-json\/wp\/v2\/tags?post=6493"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}