{"id":6722,"date":"2022-11-02T10:00:00","date_gmt":"2022-11-02T03:00:00","guid":{"rendered":"https:\/\/www.saladin.vn\/blog\/?p=6722"},"modified":"2023-12-02T21:26:28","modified_gmt":"2023-12-02T14:26:28","slug":"co-nen-mua-bao-hiem-du-lich-ca-nhan-khi-du-lich-theo-tour","status":"publish","type":"post","link":"https:\/\/www.saladin.vn\/blog\/bao-hiem-du-lich\/co-nen-mua-bao-hiem-du-lich-ca-nhan-khi-du-lich-theo-tour\/","title":{"rendered":"C\u00f3 n\u00ean mua b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n khi du l\u1ecbch theo tour?"},"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-du-lich\/co-nen-mua-bao-hiem-du-lich-ca-nhan-khi-du-lich-theo-tour\/#I_Bao_hiem_du_lich_theo_tour_la_gi_Khac_gi_voi_bao_hiem_du_lich_ca_nhan\" >I. B\u1ea3o hi\u1ec3m du l\u1ecbch theo tour l\u00e0 g\u00ec? Kh\u00e1c g\u00ec v\u1edbi b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n?<\/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-du-lich\/co-nen-mua-bao-hiem-du-lich-ca-nhan-khi-du-lich-theo-tour\/#II_Han_che_quyen_loi_bao_hiem_du_lich_theo_tour\" >II. H\u1ea1n ch\u1ebf quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m du l\u1ecbch theo tour<\/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-du-lich\/co-nen-mua-bao-hiem-du-lich-ca-nhan-khi-du-lich-theo-tour\/#III_Co_nen_mua_them_bao_hiem_du_lich_ca_nhan_khi_di_tour\" >III. C\u00f3 n\u00ean mua th\u00eam b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n khi \u0111i tour?<\/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-du-lich\/co-nen-mua-bao-hiem-du-lich-ca-nhan-khi-du-lich-theo-tour\/#Tong_ket\" >T\u1ed5ng k\u1ebft<\/a><\/li><\/ul><\/nav><\/div>\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/11\/21102303\/co-nen-mua-bao-hiem-du-lich-ca-nhan-khi-du-lich-theo-tour-1024x681.jpg\" alt=\"\" class=\"wp-image-6736\" srcset=\"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/11\/21102303\/co-nen-mua-bao-hiem-du-lich-ca-nhan-khi-du-lich-theo-tour-1024x681.jpg 1024w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/11\/21102303\/co-nen-mua-bao-hiem-du-lich-ca-nhan-khi-du-lich-theo-tour-300x199.jpg 300w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/11\/21102303\/co-nen-mua-bao-hiem-du-lich-ca-nhan-khi-du-lich-theo-tour-768x511.jpg 768w, https:\/\/cdn-blog.saladin.vn\/contents\/2022\/11\/21102303\/co-nen-mua-bao-hiem-du-lich-ca-nhan-khi-du-lich-theo-tour.jpg 1504w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong><em>B\u1ea3o hi\u1ec3m du l\u1ecbch l\u00e0 t\u1ea5m v\u00e9 b\u1ea3o v\u1ec7 h\u1eefu hi\u1ec7u cho c\u00e1c chuy\u1ebfn \u0111i ch\u01a1i xa, tuy nhi\u00ean n\u00f3 \u0111ang b\u1ecb nhi\u1ec1u du kh\u00e1ch th\u1edd \u01a1, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng kh\u00e1ch \u0111i theo tour. V\u1eady b\u1ea1n c\u1ea7n hi\u1ec3u v\u1ec1 b\u1ea3o hi\u1ec3m du l\u1ecbch theo tour th\u1ebf n\u00e0o v\u00e0 c\u00f3 n\u00ean mua th\u00eam <a href=\"https:\/\/www.saladin.vn\/bao-hiem-du-lich-quoc-te\" title=\"b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n\">b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n<\/a> cho chuy\u1ebfn \u0111i? H\u00e3y c\u00f9ng t\u00ecm hi\u1ec3u nh\u00e9!<\/em><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading advgb-dyn-74cfeabc\"><span class=\"ez-toc-section\" id=\"I_Bao_hiem_du_lich_theo_tour_la_gi_Khac_gi_voi_bao_hiem_du_lich_ca_nhan\"><\/span><strong>I. B\u1ea3o hi\u1ec3m du l\u1ecbch theo tour l\u00e0 g\u00ec? Kh\u00e1c g\u00ec v\u1edbi b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p><strong>B\u1ea3o hi\u1ec3m du l\u1ecbch theo tour <\/strong>l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m du l\u1ecbch m\u00e0 khi b\u1ea1n \u0111\u0103ng k\u00fd tour du l\u1ecbch, c\u00e1c c\u00f4ng ty l\u1eef h\u00e0nh s\u1ebd c\u00f3 tr\u00e1ch nhi\u1ec7m mua cho b\u1ea1n, v\u00e0 th\u01b0\u1eddng chi ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd bao g\u1ed3m trong chi ph\u00ed tour du l\u1ecbch \u0111\u00f3. Vi\u1ec7c mua b\u1ea3o hi\u1ec3m du l\u1ecbch theo tour l\u00e0 b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi c\u00f4ng ty l\u1eef h\u00e0nh. Tuy nhi\u00ean, kh\u00e1ch du l\u1ecbch th\u01b0\u1eddng kh\u00f4ng qu\u00e1 quan t\u00e2m \u0111\u1ebfn v\u1ea5n \u0111\u1ec1 n\u00e0y khi du l\u1ecbch theo tour.<\/p>\n\n\n\n<p>Trong khi \u0111\u00f3, <strong>b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n<\/strong> th\u01b0\u1eddng l\u00e0 do kh\u00e1ch du l\u1ecbch t\u1ef1 t\u00fac ch\u1ee7 \u0111\u1ed9ng t\u00ecm hi\u1ec3u v\u00e0 \u0111\u0103ng k\u00fd mua v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m, ho\u1eb7c qua c\u00e1c <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 nh\u01b0 <strong>Saladin<\/strong><\/a>. S\u1ea3n ph\u1ea9m n\u00e0y c\u00f3 t\u00ednh c\u00e1 nh\u00e2n h\u00f3a v\u00e0 c\u00f3 nhi\u1ec1u l\u1ef1a ch\u1ecdn v\u1ec1 quy\u1ec1n l\u1ee3i, h\u1ea1n m\u1ee9c tr\u00e1ch nhi\u1ec7m, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 tho\u1ea3i m\u00e1i thi\u1ebft k\u1ebf g\u00f3i b\u1ea3o hi\u1ec3m du l\u1ecbch ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u v\u00e0 \u0111i\u1ec1u ki\u1ec7n t\u00e0i ch\u00ednh c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading advgb-dyn-13b0ee7a\"><span class=\"ez-toc-section\" id=\"II_Han_che_quyen_loi_bao_hiem_du_lich_theo_tour\"><\/span><strong>II. H\u1ea1n ch\u1ebf quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m du l\u1ecbch theo tour<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>\u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m theo tour, t\u00e2m l\u00fd c\u1ee7a ng\u01b0\u1eddi mua th\u01b0\u1eddng l\u00e0 ph\u00f3 th\u00e1c cho c\u00f4ng ty l\u1eef h\u00e0nh ho\u1eb7c kh\u00f4ng \u0111\u1ecdc k\u0129 xem g\u00f3i b\u1ea3o hi\u1ec3m \u0111i k\u00e8m \u0111\u00f3 c\u00f3 nh\u1eefng quy\u1ec1n l\u1ee3i g\u00ec, do \u0111\u00f3 kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc \u0111\u01b0\u1ee3c nh\u1eefng h\u1ea1n ch\u1ebf c\u1ee7a d\u1ea1ng b\u1ea3o hi\u1ec3m n\u00e0y nh\u01b0:<\/p>\n\n\n\n<h3 class=\"wp-block-heading advgb-dyn-3bd1849a\"><strong>1. M\u1ee9c b\u1ea3o hi\u1ec3m th\u1ea5p<\/strong><\/h3>\n\n\n\n<p>L\u1ee3i d\u1ee5ng t\u00e2m l\u00fd kh\u00e1ch tour ch\u1ec9 mua b\u1ea3o hi\u1ec3m cho \u0111\u00fang lu\u1eadt m\u00e0 kh\u00f4ng quan t\u00e2m \u0111\u1ebfn m\u1ee9c b\u1ea3o hi\u1ec3m, nhi\u1ec1u c\u00f4ng ty l\u1eef h\u00e0nh ch\u1ec9 \u0111\u0103ng k\u00fd mua b\u1ea3o hi\u1ec3m v\u1edbi m\u1ee9c 750 &#8211; 1.500 \u0111\u1ed3ng\/ ng\u00e0y\/ ng\u01b0\u1eddi. V\u1edbi m\u1ee9c ph\u00ed th\u1ea5p, khi so s\u00e1nh v\u1edbi c\u00e1c g\u00f3i <strong>b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n<\/strong> to\u00e0n di\u1ec7n, th\u00ec m\u1ee9c b\u1ed3i th\u01b0\u1eddng do b\u1ea3o hi\u1ec3m du l\u1ecbch theo tour chi tr\u1ea3 c\u0169ng ch\u1ec9 r\u01a1i v\u00e0o kho\u1ea3ng 5 &#8211; 10 tri\u1ec7u \u0111\u1ed3ng\/ng\u01b0\u1eddi\/v\u1ee5.&nbsp;<\/p>\n\n\n\n<p>V\u1edbi m\u1ee9c b\u1ed3i th\u01b0\u1eddng n\u00e0y, b\u1ea3o hi\u1ec3m du l\u1ecbch s\u1ebd ch\u1ec9 gi\u00fap b\u1ea1n gi\u1ea3i quy\u1ebft m\u1ed9t v\u00e0i s\u1ef1 c\u1ed1 nh\u1ecf, ch\u1ee9 kh\u00f4ng th\u1ec3 b\u1ea3o \u0111\u1ea3m y\u00ean t\u00e2m v\u1ec1 t\u00e0i ch\u00ednh khi c\u00f3 nh\u1eefng r\u1ee7i ro ph\u1ee9c t\u1ea1p h\u01a1n x\u1ea3y ra.&nbsp;<\/p>\n\n\n\n<p>H\u00e3y t\u01b0\u1edfng t\u01b0\u1ee3ng, v\u1edbi m\u1ee9c b\u1ea3o hi\u1ec3m n\u00e0y, b\u1ea1n s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 nhi\u1ec1u khi ph\u1ea3i chi tr\u1ea3 m\u1ee9c chi ph\u00ed y t\u1ebf \u0111\u1eaft \u0111\u1ecf \u1edf n\u01b0\u1edbc ngo\u00e0i. Do \u0111\u00f3, tr\u00ean th\u1ef1c t\u1ebf \u0111\u00e2y l\u00e0 m\u1ed9t thi\u1ec7t th\u00f2i ch\u1ee9 kh\u00f4ng ph\u1ea3i gi\u00fap du kh\u00e1ch gi\u1ea3m chi ph\u00ed \u0111\u0103ng k\u00fd tour nh\u01b0 l\u1eddi m\u1ed9t s\u1ed1 c\u00f4ng ty l\u1eef h\u00e0nh t\u01b0 v\u1ea5n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading advgb-dyn-14a7a102\"><strong>2. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 quy\u1ec1n l\u1ee3i gi\u1edbi h\u1ea1n<\/strong><\/h3>\n\n\n\n<p>Quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea3o hi\u1ec3m du l\u1ecbch theo tour c\u0169ng kh\u00e1 h\u1ea1n ch\u1ebf, v\u00ed d\u1ee5 nh\u01b0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>B\u1ea3o hi\u1ec3m du l\u1ecbch theo tour th\u01b0\u1eddng ch\u1ec9 b\u1ed3i th\u01b0\u1eddng m\u1ea5t m\u00e1t t\u00e0i s\u1ea3n, h\u00e0nh l\u00fd do c\u00e1c nguy\u00ean nh\u00e2n ch\u00e1y, n\u1ed5, m\u1ea5t nguy\u00ean ki\u1ec7n h\u00e0nh l\u00fd khi k\u00fd g\u1eedi theo chuy\u1ebfn bay, ph\u01b0\u01a1ng ti\u1ec7n chuy\u00ean ch\u1edf b\u1ecb \u0111\u00e2m va, ch\u00ecm, l\u1eadt \u0111\u1ed5, r\u01a1i.<\/li>\n\n\n\n<li><strong>C\u00e1c t\u00e0i s\u1ea3n kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/strong> bao g\u1ed3m: v\u00e0ng, \u0111\u00e1 qu\u00fd, kim lo\u1ea1i qu\u00fd, ti\u1ec1n m\u1eb7t, s\u00e9c, h\u1ed9 chi\u1ebfu, b\u1eb1ng l\u00e1i xe, v\u00e9 c\u00e1c lo\u1ea1i, ch\u1ee9ng t\u1eeb c\u00f3 gi\u00e1 tr\u1ecb nh\u01b0 ti\u1ec1n, b\u1ea3n v\u1ebd, b\u1ea3n thi\u1ebft k\u1ebf; \u0111\u1ed3 v\u1eadt b\u1ecb x\u00e2y x\u00e1t, \u01b0\u1edbt, m\u00e0 kh\u00f4ng l\u00e0m m\u1ea5t ch\u1ee9c n\u0103ng;&nbsp;<\/li>\n\n\n\n<li>B\u1ea3o hi\u1ec3m du l\u1ecbch theo tour c\u0169ng <strong>kh\u00f4ng bao g\u1ed3m quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn c\u00e1c ho\u1ea1t \u0111\u1ed9ng m\u1ea1o hi\u1ec3m<\/strong> nh\u01b0: \u0111ua ng\u1ef1a, tr\u01b0\u1ee3t quy\u1ebft, leo n\u00fai&#8230;<\/li>\n<\/ul>\n\n\n\n<p>Do kh\u00f4ng n\u1eafm r\u00f5 quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m, kh\u00e1ch h\u00e0ng s\u1ebd c\u00f3 t\u00e2m l\u00fd ch\u1ee7 quan, v\u00ed d\u1ee5 nh\u01b0 kh\u00f4ng b\u1ea3o qu\u1ea3n k\u0129 h\u00e0nh l\u00fd nh\u01b0ng sau \u0111\u00f3 l\u1ea1i kh\u00f4ng th\u1ec3 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n<p>Quy\u1ec1n l\u1ee3i ch\u00ednh l\u00e0 th\u1ee9 b\u1ea1n b\u1ecf ti\u1ec1n ra \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng. Do \u0111\u00f3, theo kinh nghi\u1ec7m du l\u1ecbch an to\u00e0n khi du l\u1ecbch theo tour, tr\u01b0\u1edbc khi \u0111\u1eb7t b\u00fat k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng tour du l\u1ecbch, b\u1ea1n c\u1ea7n \u0111\u1ecdc k\u0129 c\u00e1c \u0111i\u1ec1u kho\u1ea3n quy\u1ec1n l\u1ee3i v\u00e0 c\u00e1c m\u1ee5c lo\u1ea1i tr\u1eeb \u0111\u1ec3 n\u1eafm r\u00f5: Khi n\u00e0o s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ec1n b\u00f9, y\u00eau c\u1ea7u \u0111\u1ec1n b\u00f9 c\u1ea7n th\u1ee7 t\u1ee5c g\u00ec. T\u1eeb \u0111\u00f3, b\u1ea1n c\u00f3 th\u1ec3 t\u00ednh to\u00e1n cho chuy\u1ebfn \u0111i c\u1ee7a m\u00ecnh t\u1ed1i \u01b0u h\u01a1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading advgb-dyn-dc3596f4\"><strong>3. Quy tr\u00ecnh h\u1ed7 tr\u1ee3 v\u00e0 b\u1ed3i th\u01b0\u1eddng ph\u1ee9c t\u1ea1p\/ kh\u00f4ng r\u00f5 r\u00e0ng<\/strong><\/h3>\n\n\n\n<p>Nh\u1eefng c\u00f4ng ty l\u1eef h\u00e0nh th\u01b0\u1eddng kh\u00f4ng c\u00f3 quy tr\u00ecnh b\u1ed3i th\u01b0\u1eddng v\u00e0 \u0111\u1ed9i ng\u0169 h\u1ed7 tr\u1ee3 chuy\u00ean bi\u1ec7t, nhanh ch\u00f3ng, l\u00e0m vi\u1ec7c 24\/7 nh\u01b0 c\u00f4ng ty b\u1ea3o hi\u1ec3m. Do \u0111\u00f3, c\u00f3 nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch khi g\u1eb7p n\u1ea1n ph\u1ea3i t\u1ef1 gi\u1ea3i quy\u1ebft v\u00ec kh\u00f4ng th\u1ec3 \u0111\u1ee3i h\u1ed7 tr\u1ee3, ho\u1eb7c kh\u00f4ng \u0111\u1ee7 ki\u00ean nh\u1eabn \u0111\u1ec3 l\u00e0m th\u1ee7 t\u1ee5c y\u00eau c\u1ea7u thanh to\u00e1n b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<h3 class=\"wp-block-heading advgb-dyn-ed39bf7c\"><strong>4. Nhi\u1ec1u c\u00f4ng ty du l\u1ecbch kh\u00f4ng t\u01b0 v\u1ea5n v\u1edbi du kh\u00e1ch v\u1ec1 quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m<\/strong><\/h3>\n\n\n\n<p>Nhi\u1ec1u c\u00f4ng ty l\u1eef h\u00e0nh khi t\u01b0 v\u1ea5n v\u1ec1 c\u00e1c g\u00f3i tour cho kh\u00e1ch h\u00e0ng th\u01b0\u1eddng kh\u00f4ng \u0111\u1ec1 c\u1eadp v\u1ec1 v\u1ea5n \u0111\u1ec1 b\u1ea3o hi\u1ec3m du l\u1ecbch, nh\u1ea5t l\u00e0 khi du l\u1ecbch n\u1ed9i \u0111\u1ecba. Du kh\u00e1ch th\u01b0\u1eddng c\u0169ng kh\u00f4ng qu\u00e1 quan t\u00e2m v\u1ec1 v\u1ea5n \u0111\u1ec1 n\u00e0y, d\u00f9 r\u1eb1ng \u0111\u00e2y ch\u00ednh l\u00e0 quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea3n th\u00e2n theo lu\u1eadt \u0111\u1ecbnh.<\/p>\n\n\n\n<p>Ch\u00ednh v\u00ec th\u1ebf, khi c\u00f3 b\u1ea5t k\u1ef3 tai n\u1ea1n n\u00e0o x\u1ea3y ra trong h\u00e0nh tr\u00ecnh, c\u00f4ng ty l\u1eef h\u00e0nh s\u1ebd kh\u00f4ng ch\u1ee7 \u0111\u1ed9ng b\u1ed3i th\u01b0\u1eddng chi ph\u00ed cho du kh\u00e1ch. \u0110\u00e2y c\u0169ng l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c gian l\u1eadn b\u1ea3o hi\u1ec3m du l\u1ecbch th\u01b0\u1eddng th\u1ea5y, m\u00e0 kh\u00e1ch h\u00e0ng c\u0169ng kh\u00f4ng bi\u1ebft \u0111\u1ec3 \u201cb\u1eaft \u0111\u1ec1n&#8221; c\u00f4ng ty l\u1eef h\u00e0nh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading advgb-dyn-41bca937\"><span class=\"ez-toc-section\" id=\"III_Co_nen_mua_them_bao_hiem_du_lich_ca_nhan_khi_di_tour\"><\/span><strong>III. C\u00f3 n\u00ean mua th\u00eam b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n khi \u0111i tour?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>M\u1ed9t trong nh\u1eefng kinh nghi\u1ec7m du l\u1ecbch an to\u00e0n nh\u1ea5t ch\u00ednh l\u00e0 d\u00f9 b\u1ea1n \u0111i du l\u1ecbch theo tour hay t\u1ef1 t\u00fac, \u0111\u1ec3 b\u1ea3o v\u1ec7 chuy\u1ebfn \u0111i v\u00e0 b\u1ea3n th\u00e2n to\u00e0n di\u1ec7n nh\u1ea5t, b\u1ea1n c\u0169ng n\u00ean trang b\u1ecb th\u00eam <strong>b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n<\/strong> n\u1ebfu mu\u1ed1n b\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n, \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m \u0111a d\u1ea1ng h\u01a1n nh\u01b0:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>H\u1ed7 tr\u1ee3 chi ph\u00ed y t\u1ebf, tai n\u1ea1n c\u00e1 nh\u00e2n, chi ph\u00ed th\u0103m b\u1ec7nh \u1edf n\u01b0\u1edbc ngo\u00e0i d\u00e0nh cho ng\u01b0\u1eddi th\u00e2n.<\/li>\n\n\n\n<li>\u0110\u1ec1n b\u00f9 khi b\u1ecb m\u1ea5t h\u00e0nh l\u00fd, gi\u1ea5y t\u1edd th\u00f4ng h\u00e0nh, m\u1ea5t ti\u1ec1n <\/li>\n\n\n\n<li>Chi tr\u1ea3 m\u1ed9t ph\u1ea7n chi ph\u00ed ph\u00e1t sinh \u0111\u1ec3 \u0103n \u1edf, mua s\u1eafm \u0111\u1ed3 \u0111\u1ea1c, \u0111i l\u1ea1i n\u1ebfu b\u1ecb m\u1ea5t h\u00e0nh l\u00fd.<\/li>\n\n\n\n<li>B\u1ed3i th\u01b0\u1eddng chi ph\u00ed xin c\u1ea5p l\u1ea1i c\u00e1c gi\u1ea5y t\u1edd b\u1ecb m\u1ea5t.<\/li>\n\n\n\n<li>\u0110\u1ec1n b\u00f9 khi b\u1ecb t\u1ed5n th\u1ea5t do h\u1ee7y ho\u1eb7c ho\u00e3n chuy\u1ebfn bay.<\/li>\n\n\n\n<li>Nhi\u1ec1u g\u00f3i b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n c\u00f2n c\u00f3 c\u00e1c quy\u1ec1n l\u1ee3i b\u1ed5 sung cho vi\u1ec7c tham gia c\u00e1c m\u00f4n th\u1ec3 thao m\u1ea1o hi\u1ec3m, thi \u0111\u1ea5u chuy\u00ean nghi\u1ec7p, b\u1ed3i th\u01b0\u1eddng chi ph\u00ed s\u1eeda ch\u1eefa khi g\u1eb7p tai n\u1ea1n g\u00e2y thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi xe thu\u00ea.<\/li>\n\n\n\n<li>Ngo\u00e0i ra, khi mua s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n tr\u00ean website ho\u1eb7c \u1ee9ng d\u1ee5ng <strong>Saladin<\/strong>, b\u1ea1n s\u1ebd lu\u00f4n \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m uy t\u00edn h\u00e0ng \u0111\u1ea7u, k\u00e8m theo c\u00e1c d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 24\/7, gi\u00fap b\u1ea1n k\u1ecbp th\u1eddi \u1ee9ng ph\u00f3 v\u1edbi nh\u1eefng t\u00ecnh hu\u1ed1ng r\u1ee7i ro c\u00f3 th\u1ec3 x\u1ea3y ra.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading advgb-dyn-6553293d\">C\u1ea9m nang du l\u1ecbch<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bi-kip-du-lich-an-toan\/\" target=\"_blank\" rel=\"noopener\" title=\"\"><span style=\"background-color:#f0fdf4\">B\u00ed k\u00edp du l\u1ecbch an to\u00e0n<\/span><\/a>&nbsp;  <a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bon-mua\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">B\u1ed1n m\u00f9a<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/mua-xuan\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">M\u00f9a xu\u00e2n<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/mua-he\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">M\u00f9a h\u00e8<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/mua-thu\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">M\u00f9a thu<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/mua-dong\/\" target=\"_blank\" rel=\"noreferrer noopener\"><span style=\"background-color:#f0fdf4\">M\u00f9a \u0111\u00f4ng<\/span><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.saladin.vn\/blog\/tag\/chau-a\/\" rel=\"noreferrer noopener\" target=\"_blank\"><span style=\"background-color:#f0fdf4\">Ch\u00e2u \u00c1<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/chau-au\/\" rel=\"noreferrer noopener\" target=\"_blank\"><span style=\"background-color:#f0fdf4\">Ch\u00e2u \u00c2u<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/chau-my\/\" rel=\"noreferrer noopener\" target=\"_blank\"><span style=\"background-color:#f0fdf4\">Ch\u00e2u M\u1ef9<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/chau-phi\/\" rel=\"noreferrer noopener\" target=\"_blank\"><span style=\"background-color:#f0fdf4\">Ch\u00e2u Phi<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/chau-uc\/\" rel=\"noreferrer noopener\" target=\"_blank\"><span style=\"background-color:#f0fdf4\">Ch\u00e2u \u00dac<\/span><\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.saladin.vn\/blog\/tag\/bau-du-lich\/\" rel=\"noreferrer noopener\" target=\"_blank\"><span style=\"background-color:#f0fdf4\">B\u1ea7u du l\u1ecbch<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/du-hoc\/\" rel=\"noreferrer noopener\" target=\"_blank\"><span style=\"background-color:#f0fdf4\">Du h\u1ecdc<\/span><\/a>&nbsp;&nbsp; <a href=\"https:\/\/www.saladin.vn\/blog\/tag\/du-lich-tu-tuc\/\" rel=\"noreferrer noopener\" target=\"_blank\"><span style=\"background-color:#f0fdf4\">Du l\u1ecbch t\u1ef1 t\u00fac<\/span><\/a>&nbsp;&nbsp; <a href=\"https:\/\/www.saladin.vn\/blog\/tag\/nguoi-cao-tuoi-du-lich\/\" rel=\"noreferrer noopener\" target=\"_blank\"><span style=\"background-color:#f0fdf4\">Ng\u01b0\u1eddi cao tu\u1ed5i du l\u1ecbch<\/span><\/a>&nbsp; &nbsp;<a href=\"https:\/\/www.saladin.vn\/blog\/tag\/tre-nho-du-lich\/\" rel=\"noreferrer noopener\" target=\"_blank\"><span style=\"background-color:#f0fdf4\">Tr\u1ebb nh\u1ecf du l\u1ecbch<\/span><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading advgb-dyn-1f40cf7b\"><span class=\"ez-toc-section\" id=\"Tong_ket\"><\/span>T\u1ed5ng k\u1ebft<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>T\u00f3m l\u1ea1i, <strong><a href=\"https:\/\/www.saladin.vn\/bao-hiem-du-lich-quoc-te\" title=\"b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n\">b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n<\/a><\/strong> l\u00e0 h\u00e0nh trang th\u1ef1c s\u1ef1 c\u1ea7n thi\u1ebft d\u00f9 b\u1ea1n thu\u1ed9c tu\u00fdp ng\u01b0\u1eddi th\u00edch du l\u1ecbch t\u1ef1 t\u00fac hay theo tour. V\u00ec r\u1ee7i ro c\u00f3 th\u1ec3 x\u1ea3y \u0111\u1ebfn b\u1ea5t c\u1ee9 l\u00fac n\u00e0o gi\u1eefa m\u1ed9t th\u1ebf gi\u1edbi ng\u00e0y c\u00e0ng b\u1ea5t \u1ed5n, b\u1ea1n s\u1ebd kh\u00f4ng th\u1ec3 t\u00ednh tr\u01b0\u1edbc m\u1ee9c \u0111\u1ed9 nghi\u1ec7m tr\u1ecdng hay t\u1ed5n th\u1ea5t s\u1ebd ph\u1ea3i ch\u1ecbu. Do \u0111\u00f3, m\u1ed9t khi \u0111\u00e3 c\u00f3 mong mu\u1ed1n chuy\u1ebfn \u0111i c\u1ee7a m\u00ecnh an to\u00e0n v\u00e0 su\u00f4n s\u1ebb nh\u1ea5t, h\u00e3y ngh\u0129 \u0111\u1ebfn ph\u01b0\u01a1ng \u00e1n to\u00e0n di\u1ec7n v\u00e0 t\u1ed1t nh\u1ea5t \u0111\u00f3 l\u00e0 b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00e1 nh\u00e2n. <\/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 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b\u1ecb nhi\u1ec1u du kh\u00e1ch th\u1edd \u01a1, \u0111\u1eb7c bi\u1ec7t l\u00e0 [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":6738,"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],"tags":[364,130,78,97,351,47,135,67,66],"class_list":["post-6722","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-du-lich","tag-bao-hiem-du-lich-ca-nhan","tag-bao-hiem-du-lich-quoc-te","tag-bao-hiem-du-lich-toan-cau","tag-bi-kip-du-lich-an-toan","tag-du-lich-tu-tuc","tag-gia-bao-hiem-du-lich-quoc-te","tag-kinh-nghiem-du-lich-nuoc-ngoai-an-toan","tag-mua-bao-hiem-du-lich-nuoc-ngoai","tag-mua-bao-hiem-du-lich-quoc-te"],"aioseo_notices":[],"featured_image_src":"https:\/\/cdn-blog.saladin.vn\/contents\/2022\/11\/21103035\/169.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\/21103035\/169-300x151.png","coauthors":[],"tax_additional":{"categories":{"linked":["<a 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