{"id":15813,"date":"2017-06-04T09:03:26","date_gmt":"2017-06-04T02:03:26","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=15813"},"modified":"2022-03-24T09:05:27","modified_gmt":"2022-03-24T02:05:27","slug":"1-674-tu-mu-gui-tiet-kiem-mua-bao-hiem-nhan-tho","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-674-tu-mu-gui-tiet-kiem-mua-bao-hiem-nhan-tho\/","title":{"rendered":"1.674. T\u00f9 m\u00f9 g\u1eedi ti\u1ebft ki\u1ec7m – mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd"},"content":{"rendered":"(ANTD) – M\u00f4 h\u00ecnh li\u00ean k\u1ebft gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch l\u1edbn cho c\u1ea3 hai b\u00ean nh\u1edd t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c \u01b0u th\u1ebf c\u1ee7a hai lo\u1ea1i h\u00ecnh t\u00e0i ch\u00ednh n\u00e0y. Tuy nhi\u00ean th\u1eddi gian qua, kh\u00f4ng \u00edt kh\u00e1ch h\u00e0ng \u0111\u00e3 g\u1eb7p r\u1eafc r\u1ed1i khi mua b\u1ea3o hi\u1ec3m t\u1ea1i ng\u00e2n h\u00e0ng.<\/strong><\/p>\n

Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, vi\u1ec7c h\u1ee3p t\u00e1c gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ng\u00e0y c\u00e0ng n\u1edf r\u1ed9. Theo \u0111\u00f3, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay \u0111\u1ec1u \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng ph\u00e2n ph\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u1edf nhi\u1ec1u c\u1ea5p \u0111\u1ed9 kh\u00e1c nhau. Th\u1eadm ch\u00ed, kh\u00f4ng \u00edt ng\u00e2n h\u00e0ng c\u00f2n th\u00e0nh l\u1eadp c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a ri\u00eang m\u00ecnh, ch\u1eb3ng h\u1ea1n nh\u01b0 Vietcombank c\u00f3 VCLI; Agribank c\u00f3 ABIC, VietinBank c\u00f3 Vietinbank Avia v\u00e0 B\u1ea3o Ng\u00e2n; BIDV c\u00f3 Metlife v\u00e0 BIC.<\/p>\n

\"\"<\/p>\n

\u1ea2nh: Internet<\/em><\/p>\n

B\u1ee9c x\u00fac v\u00ec b\u1ecb l\u1eeba<\/strong><\/p>\n

T\u1ea1i chi nh\u00e1nh m\u1ed9t ng\u00e2n h\u00e0ng tr\u00ean Ph\u1ed1 Hu\u1ebf, qu\u1eadn Hai B\u00e0 Tr\u01b0ng, H\u00e0 N\u1ed9i, m\u1ed9t banner qu\u1ea3ng c\u00e1o \u0111\u01b0\u1ee3c \u0111\u1eb7t ngay c\u1ea1nh qu\u1ea7y giao d\u1ecbch v\u1ec1 vi\u1ec7c tham gia g\u00f3i t\u00edch l\u0169y v\u1edbi s\u1ed1 ti\u1ec1n t\u1eeb 50 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m s\u1ebd \u0111\u01b0\u1ee3c t\u1eb7ng 1 ch\u1ec9 v\u00e0ng.<\/p>\n

T\u00f2 m\u00f2 v\u1ec1 \u201cg\u00f3i t\u00edch l\u0169y\u201d n\u00e0y, ph\u00f3ng vi\u00ean \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng t\u01b0 v\u1ea5n: \u201cB\u00ecnh th\u01b0\u1eddng khi ch\u1ecb g\u1eedi ti\u1ebft ki\u1ec7m t\u1ea1i ng\u00e2n h\u00e0ng th\u00ec ch\u1ec9 c\u00f3 ph\u1ea7n l\u00e3i. Nh\u01b0ng h\u00e0ng n\u0103m ch\u1ecb tr\u00edch m\u1ed9t ph\u1ea7n s\u1ed1 l\u00e3i \u0111\u00f3 ra \u0111\u1ec3 tham gia g\u00f3i t\u00edch \u0111i\u1ec3m d\u00e0i h\u1ea1n n\u00e0y, ch\u1ecb s\u1ebd c\u00f3 th\u00eam quy\u1ec1n l\u1ee3i y t\u1ebf cho b\u1ea3n th\u00e2n ho\u1eb7c cho c\u00e1c th\u00e0nh vi\u00ean kh\u00e1c trong gia \u0111\u00ecnh. Ngh\u0129a l\u00e0 ch\u1ecb kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c nh\u1eadn l\u00e3i m\u00e0 c\u00f2n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe, \u0111\u01b0\u1ee3c chi tr\u1ea3 c\u00e1c chi ph\u00ed kh\u00e1m, n\u1eb1m vi\u1ec7n, \u0111i\u1ec1u tr\u1ecb b\u1ec7nh hi\u1ec3m ngh\u00e8o\u2026\u201d.<\/p>\n

Khi \u0111\u01b0\u1ee3c h\u1ecfi c\u1ee5 th\u1ec3 v\u1ec1 chi ti\u1ebft s\u1ed1 ti\u1ec1n l\u00e3i c\u0169ng nh\u01b0 quy\u1ec1n l\u1ee3i c\u1ee7a g\u00f3i \u201ct\u00edch \u0111i\u1ec3m\u201d n\u00e0y, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng ti\u1ebfp t\u1ee5c t\u01b0 v\u1ea5n: \u201cV\u1ec1 h\u00ecnh th\u1ee9c v\u00ec l\u00e0 g\u00f3i t\u00edch \u0111i\u1ec3m n\u00ean n\u00f3 kh\u00e1c v\u1edbi g\u1eedi ti\u1ebft ki\u1ec7m th\u00f4ng th\u01b0\u1eddng. V\u1edbi g\u00f3i n\u00e0y, m\u1ed7i n\u0103m ch\u1ecb \u0111\u00f3ng th\u00eam m\u1ed9t kho\u1ea3n ti\u1ec1n nh\u1ea5t \u0111\u1ecbnh. L\u00e3i th\u00ec s\u1ebd kh\u00f4ng nh\u00ecn th\u1ea5y ngay nh\u01b0 g\u1eedi ti\u1ebft ki\u1ec7m, m\u00e0 ph\u1ea3i t\u1eeb n\u0103m th\u1ee9 10 m\u1edbi nh\u00ecn th\u1ea5y r\u00f5. Ch\u1eb3ng h\u1ea1n, ch\u1ecb \u0111\u00f3ng m\u1ed7i n\u0103m 50 tri\u1ec7u, sau 10 n\u0103m ch\u1ecb \u0111\u00f3ng v\u00e0o 600 tri\u1ec7u nh\u01b0ng ti\u1ec1n ch\u1ecb nh\u1eadn l\u1ea1i s\u1ebd l\u00e0 kho\u1ea3ng 750 tri\u1ec7u \u0111\u1ed3ng. Th\u00eam v\u00e0o \u0111\u00f3, ch\u1ecb s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng c\u00e1c quy\u1ec1n l\u1ee3i b\u1ea3o v\u1ec7 s\u1ee9c kh\u1ecfe, ch\u1eb3ng h\u1ea1n nh\u01b0 ch\u1ecb \u1ed1m ph\u1ea3i n\u1eb1m vi\u1ec7n, ngo\u00e0i vi\u1ec7c \u0111\u01b0\u1ee3c thanh to\u00e1n ti\u1ec1n kh\u00e1m, ti\u1ec1n thu\u1ed1c, ti\u1ec1n gi\u01b0\u1eddng n\u1eb1m ch\u1ecb c\u00f2n \u0111\u01b0\u1ee3c th\u00eam 1 tri\u1ec7u \u0111\u1ed3ng\/ng\u00e0y \u0111\u1ec3 c\u1ea7m v\u1ec1\u201d.<\/p>\n

Th\u1ea5y kh\u00e1ch h\u00e0ng b\u0103n kho\u0103n v\u00ec \u201cnghe gi\u1ed1ng nh\u01b0 mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u201d, l\u00fac n\u00e0y nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng m\u1edbi kh\u1eb3ng \u0111\u1ecbnh: \u201cV\u00e2ng, \u0111\u00e2y l\u00e0 s\u1ea3n ph\u1ea9m li\u00ean k\u1ebft v\u1edbi ng\u00e2n h\u00e0ng, khi ch\u1ecb tham gia t\u1ea1i ng\u00e2n h\u00e0ng s\u1ebd \u0111\u01b0\u1ee3c c\u1ea3 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ch\u0103m s\u00f3c trong su\u1ed1t th\u1eddi gian \u0111\u00f3\u201d.<\/p>\n

D\u00f9 th\u1ef1c ch\u1ea5t l\u00e0 mua m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, nh\u01b0ng trong qu\u00e1 tr\u00ecnh t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng kh\u00f4ng h\u1ec1 nh\u1eafc t\u1edbi vi\u1ec7c mua b\u1ea3o hi\u1ec3m. T\u00f9 m\u00f9, \u201c\u0111\u00e1nh l\u1eadn\u201d gi\u1eefa g\u1eedi ti\u1ebft ki\u1ec7m v\u00e0 tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 c\u00e1ch \u0111\u01b0\u1ee3c nhi\u1ec1u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng s\u1eed d\u1ee5ng khi t\u01b0 v\u1ea5n kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m. Kh\u00f4ng ch\u1ec9 v\u1eady, kh\u00f4ng \u00edt kh\u00e1ch h\u00e0ng c\u00f2n b\u1ee9c x\u00fac b\u1ecb l\u1eeba mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u00e0 kh\u00f4ng h\u1ec1 bi\u1ebft. Tr\u01b0\u1eddng h\u1ee3p gia \u0111\u00ecnh ch\u1ecb Trang l\u00e0 m\u1ed9t v\u00ed d\u1ee5.<\/p>\n

Ch\u1ecb Trang k\u1ec3 h\u1ed3i th\u00e1ng 8-2016, gia \u0111\u00ecnh ch\u1ecb c\u00f3 l\u00e0m h\u1ee3p \u0111\u1ed3ng vay ti\u1ec1n th\u1ebf ch\u1ea5p t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng c\u00f3 chi nh\u00e1nh tr\u00ean \u0111\u01b0\u1eddng L\u00fd Th\u01b0\u1eddng Ki\u1ec7t. \u0110\u1ebfn th\u00e1ng 5-2017, gia \u0111\u00ecnh ch\u1ecb l\u00ean l\u00e0m th\u1ee7 t\u1ee5c t\u1ea5t to\u00e1n \u0111\u1ec3 k\u1ebft th\u00fac h\u1ee3p \u0111\u1ed3ng th\u00ec m\u1edbi ph\u00e1t hi\u1ec7n trong th\u1eddi gian b\u1ed1 m\u1eb9 ch\u1ecb l\u00e0m th\u1ee7 t\u1ee5c vay, nh\u00e2n vi\u00ean c\u1ee7a ng\u00e2n h\u00e0ng \u0111\u00e3 \u201c\u00e9p\u201d mua th\u00eam 1 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u1ee7a C\u00f4ng ty b\u1ea3o hi\u1ec3m Prudential. \u201cCh\u1ec9 \u0111\u1ebfn khi b\u00ean b\u1ea3o hi\u1ec3m li\u00ean t\u1ee5c g\u1ecdi \u0111i\u1ec7n gi\u1ee5c gia \u0111\u00ecnh \u0111\u00f3ng ph\u00ed b\u1ea3o hi\u1ec3m th\u00ec gia \u0111\u00ecnh m\u1edbi bi\u1ebft b\u1ecb nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u01b0a v\u00e0o h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd m\u1eb7c d\u00f9 gia \u0111\u00ecnh kh\u00f4ng c\u00f3 nhu c\u1ea7u mua b\u1ea3o hi\u1ec3m\u201d – ch\u1ecb Trang chia s\u1ebb.<\/p>\n

V\u1ec1 l\u00fd do t\u1ea1i sao k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, ch\u1ecb Trang cho bi\u1ebft h\u00f4m ng\u00e2n h\u00e0ng gi\u1ea3i ng\u00e2n, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u00e3 l\u00e0m s\u1eb5n m\u1ed9t b\u1ed9 h\u1ed3 s\u01a1 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd do ng\u01b0\u1eddi n\u00e0y t\u1ef1 khai v\u00e0 n\u00f3i b\u1ed1 m\u1eb9 ch\u1ecb r\u1eb1ng \u201cc\u00f4 ch\u00fa ph\u1ea3i k\u00fd n\u1ed1t v\u00e0o \u0111\u00e2y m\u1edbi xong h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 gi\u1ea3i ng\u00e2n\u201d m\u00e0 kh\u00f4ng h\u1ec1 t\u01b0 v\u1ea5n v\u1ec1 g\u00f3i b\u1ea3o hi\u1ec3m.<\/p>\n

Khi gia \u0111\u00ecnh ch\u1ecb n\u00f3i kh\u00f4ng c\u00f3 nhu c\u1ea7u mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u00ec nh\u00e2n vi\u00ean n\u00e0y kh\u1eb3ng \u0111\u1ecbnh \u201cc\u1ee9 k\u00fd r\u1ed3i h\u1ee7y b\u1ecf c\u0169ng \u0111\u01b0\u1ee3c\u201d. Khi gia \u0111\u00ecnh ch\u1ecb Trang li\u00ean h\u1ec7 v\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec3 gi\u1ea3i quy\u1ebft s\u1ef1 vi\u1ec7c th\u00ec ng\u00e2n h\u00e0ng cho bi\u1ebft nh\u00e2n vi\u00ean l\u00e0m th\u1ee7 t\u1ee5c cho gia \u0111\u00ecnh ch\u1ecb vay v\u00e0 k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 ngh\u1ec9. Li\u00ean h\u1ec7 l\u00ean c\u1ea5p cao h\u01a1n c\u1ee7a chi nh\u00e1nh th\u00ec nh\u1eadn \u0111\u01b0\u1ee3c c\u00e2u tr\u1ea3 l\u1eddi \u201ckh\u00f4ng bi\u1ebft, l\u00fac \u0111\u00f3 gia \u0111\u00ecnh \u0111\u00e3 k\u00fd v\u00e0o r\u1ed3i, n\u1ebfu h\u1ee7y s\u1ebd m\u1ea5t s\u1ed1 ti\u1ec1n \u0111\u00f3ng ban \u0111\u1ea7u\u201d.<\/p>\n

T\u00ecm m\u1ecdi c\u00e1ch \u0111\u1ec3 k\u00fd \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng\u00a0<\/strong><\/p>\n

Vi\u1ec7c t\u00f9 m\u00f9, \u201c\u0111\u00e1nh l\u1eadn\u201d, kh\u00f4ng cung c\u1ea5p \u0111\u1ee7 th\u00f4ng tin cho kh\u00e1ch h\u00e0ng c\u00f9ng v\u1edbi s\u1ef1 thi\u1ebfu hi\u1ec3u bi\u1ebft, kh\u00f4ng t\u00ecm hi\u1ec3u k\u1ef9 t\u1eeb ph\u00eda kh\u00e1ch h\u00e0ng \u0111\u00e3 d\u1eabn t\u1edbi kh\u00f4ng \u00edt tranh ch\u1ea5p trong qu\u00e1 tr\u00ecnh mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1ea1i ng\u00e2n h\u00e0ng. Ch\u1ecb Ho\u00e0ng Ph\u01b0\u1edbc Anh, m\u1ed9t nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e2u n\u0103m cho bi\u1ebft, th\u1eddi gian g\u1ea7n \u0111\u00e2y ch\u1ecb ph\u1ea3i h\u1ed7 tr\u1ee3 gi\u1ea3i \u0111\u00e1p th\u1eafc m\u1eafc v\u00e0 gi\u1ea3i quy\u1ebft cho nhi\u1ec1u kh\u00e1ch h\u00e0ng khi mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng.<\/p>\n

Theo ch\u1ecb Ph\u01b0\u1edbc Anh, \u0111a ph\u1ea7n c\u00e1c tr\u01b0\u1eddng h\u1ee3p r\u1eafc r\u1ed1i li\u00ean quan \u0111\u1ebfn sai s\u00f3t trong qu\u00e1 tr\u00ecnh khai \u0111\u01a1n v\u1ec1 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a kh\u00e1ch h\u00e0ng, hay vi\u1ec7c nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng kh\u00f4ng t\u01b0 v\u1ea5n \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 c\u00e1c tr\u01b0\u1eddng h\u1ee3p lo\u1ea1i tr\u1eeb thanh to\u00e1n c\u1ee7a b\u1ea3o hi\u1ec3m hay th\u1eddi h\u1ea1n ch\u1edd.<\/p>\n

\u201cPh\u1ea7n l\u1edbn nh\u1eefng ng\u01b0\u1eddi g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m t\u1ea1i ng\u00e2n h\u00e0ng l\u00e0 ng\u01b0\u1eddi l\u1edbn tu\u1ed5i, nh\u1eadn th\u1ee9c v\u1ec1 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd kh\u00f4ng nhi\u1ec1u. Trong khi nhi\u1ec1u nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m t\u1ea1i ng\u00e2n h\u00e0ng b\u1ecb \u00e1p l\u1ef1c doanh s\u1ed1, d\u1eabn \u0111\u1ebfn ch\u1ec9 mu\u1ed1n nhanh ch\u00f3ng cho h\u1ee3p \u0111\u1ed3ng \u0111\u01b0\u1ee3c k\u00fd n\u00ean h\u1ecd t\u00ecm m\u1ecdi c\u00e1ch \u0111\u1ec3 kh\u00e1ch h\u00e0ng k\u00fd h\u1ee3p \u0111\u1ed3ng\u201d – ch\u1ecb Ph\u01b0\u1edbc Anh cho bi\u1ebft.<\/p>\n

Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, vi\u1ec7c h\u1ee3p t\u00e1c gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ng\u00e0y c\u00e0ng n\u1edf r\u1ed9. Theo \u0111\u00f3, h\u1ea7u h\u1ebft c\u00e1c ng\u00e2n h\u00e0ng hi\u1ec7n nay \u0111\u1ec1u \u0111\u00e3 k\u00fd h\u1ee3p \u0111\u1ed3ng ph\u00e2n ph\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u1edf nhi\u1ec1u c\u1ea5p \u0111\u1ed9 kh\u00e1c nhau. Th\u1eadm ch\u00ed, kh\u00f4ng \u00edt ng\u00e2n h\u00e0ng c\u00f2n th\u00e0nh l\u1eadp c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a ri\u00eang m\u00ecnh, ch\u1eb3ng h\u1ea1n nh\u01b0 Vietcombank c\u00f3 VCLI; Agribank c\u00f3 ABIC, VietinBank c\u00f3 Vietinbank Avia v\u00e0 B\u1ea3o Ng\u00e2n; BIDV c\u00f3 Metlife v\u00e0 BIC.<\/p>\n

L\u00fd gi\u1ea3i s\u1ef1 b\u00f9ng n\u1ed5 n\u00e0y, chuy\u00ean gia t\u00e0i ch\u00ednh, TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho r\u1eb1ng vi\u1ec7c h\u1ee3p t\u00e1c n\u00e0y mang l\u1ea1i l\u1ee3i \u00edch cho c\u1ea3 hai b\u00ean, m\u00e0 quan tr\u1ecdng nh\u1ea5t l\u00e0 t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c c\u01a1 s\u1edf d\u1eef li\u1ec7u v\u1ec1 kh\u00e1ch h\u00e0ng l\u1eabn nhau. Theo \u0111\u00f3, ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1ed1i \u0111a h\u00f3a t\u00e0i nguy\u00ean, m\u1edf r\u1ed9ng ngu\u1ed3n thu th\u00f4ng qua h\u1ec7 th\u1ed1ng h\u1ea1 t\u1ea7ng v\u00e0 nh\u00e2n s\u1ef1 s\u1eb5n c\u00f3. Th\u00f4ng qua cung c\u1ea5p c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, ng\u00e2n h\u00e0ng c\u0169ng s\u1ebd c\u00f3 \u0111\u01b0\u1ee3c ngu\u1ed3n kh\u00e1ch h\u00e0ng g\u1eafn b\u00f3 l\u00e2u d\u00e0i, v\u00ec th\u00f4ng th\u01b0\u1eddng m\u1ed9t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m th\u01b0\u1eddng c\u00f3 th\u1eddi h\u1ea1n t\u1ed1i thi\u1ec3u kho\u1ea3ng 10 n\u0103m.<\/p>\n

C\u00f2n v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m, ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m qua k\u00eanh ng\u00e2n h\u00e0ng c\u0169ng mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch r\u00f5 r\u1ec7t nh\u01b0 chi ph\u00ed ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd tr\u00ean k\u00eanh n\u00e0y s\u1ebd th\u1ea5p h\u01a1n so v\u1edbi nh\u1eefng k\u00eanh truy\u1ec1n th\u1ed1ng nh\u1edd t\u1eadn d\u1ee5ng h\u1ec7 th\u1ed1ng b\u00e1n l\u1ebb r\u1ed9ng kh\u1eafp v\u00e0 h\u1ea1 t\u1ea7ng c\u00f4ng ngh\u1ec7 th\u00f4ng tin c\u1ee7a ng\u00e2n h\u00e0ng. \u0110\u1ed3ng th\u1eddi, kh\u00e1ch h\u00e0ng c\u1ee7a ng\u00e2n h\u00e0ng c\u0169ng l\u00e0 \u0111\u1ed1i t\u01b0\u1ee3ng r\u1ea5t ph\u00f9 h\u1ee3p \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n

\u201c\u0110\u00e2y l\u00e0 xu h\u01b0\u1edbng \u0111ang r\u1ea5t ph\u00e1t tri\u1ec3n tr\u00ean th\u1ebf gi\u1edbi, theo m\u00f4 h\u00ecnh \u201cone-stop shop\u201d, ngh\u0129a l\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn r\u1ea5t nhi\u1ec1u s\u1ea3n ph\u1ea9m t\u00e0i ch\u00ednh ch\u1ec9 t\u1ea1i m\u1ed9t ch\u1ed7\u201d – TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu cho bi\u1ebft. Tuy nhi\u00ean, theo TS Nguy\u1ec5n Tr\u00ed Hi\u1ebfu, s\u1edf d\u0129 th\u1eddi gian qua nhi\u1ec1u kh\u00e1ch h\u00e0ng g\u1eb7p r\u1eafc r\u1ed1i khi k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 do \u00e1p l\u1ef1c doanh s\u1ed1 khi\u1ebfn c\u00e1c nh\u00e2n vi\u00ean l\u00e0m c\u00f4ng t\u00e1c b\u00e1n b\u1ea3o hi\u1ec3m t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng t\u00ecm m\u1ecdi c\u00e1ch \u0111\u1ec3 k\u00fd \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng. V\u00ec v\u1eady, \u0111\u1ec3 tr\u00e1nh r\u1ee7i ro, kh\u00e1ch h\u00e0ng c\u1ea7n y\u00eau c\u1ea7u nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n k\u1ef9 v\u1ec1 c\u00e1c \u0111i\u1ec1u kho\u1ea3n c\u1ee7a h\u1ee3p \u0111\u1ed3ng tr\u01b0\u1edbc khi k\u00fd.<\/p>\n

C\u0169ng cho r\u1eb1ng nguy\u00ean nh\u00e2n quan tr\u1ecdng do \u00e1p l\u1ef1c doanh s\u1ed1 d\u1eabn \u0111\u1ebfn nhi\u1ec1u nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng kh\u00f4ng t\u01b0 v\u1ea5n \u0111\u1ea7y \u0111\u1ee7 cho kh\u00e1ch h\u00e0ng, nh\u01b0ng lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI cho r\u1eb1ng trong tr\u01b0\u1eddng h\u1ee3p n\u00e0y kh\u00f4ng ai \u00e9p bu\u1ed9c kh\u00e1ch h\u00e0ng ph\u1ea3i k\u00fd h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd n\u00ean n\u1ebfu x\u1ea3y ra r\u1eafc r\u1ed1i th\u00ec kh\u00f4ng d\u1ec5 \u0111\u1ec3 \u201cb\u1eaft \u0111\u1ec1n\u201d ng\u00e2n h\u00e0ng hay c\u00f4ng ty b\u1ea3o hi\u1ec3m. \u201cTrong tr\u01b0\u1eddng h\u1ee3p n\u00e0y nh\u00e2n vi\u00ean ch\u1ec9 t\u01b0 v\u1ea5n, t\u1ea5t nhi\u00ean h\u1ecd c\u00f3 th\u1ec3 t\u01b0 v\u1ea5n kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 nh\u01b0ng tr\u00e1ch nhi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 ph\u1ea3i ngh\u0129 k\u1ef9, xem x\u00e9t k\u1ef9 tr\u01b0\u1edbc khi k\u00fd v\u00ec c\u00e1c quy \u0111\u1ecbnh v\u1ec1 \u0111i\u1ec1u kho\u1ea3n chi tr\u1ea3 \u0111\u1ec1u n\u00eau r\u00f5 trong h\u1ee3p \u0111\u1ed3ng\u201d – lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c n\u00f3i.<\/em><\/p>\n

Trong khi \u0111\u00f3, m\u1ed9t c\u00e1n b\u1ed9 t\u01b0 v\u1ea5n l\u00e2u n\u0103m c\u1ee7a m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m cho bi\u1ebft, kh\u00f4ng ch\u1ec9 kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m t\u1ea1i c\u00e1c ng\u00e2n h\u00e0ng m\u00e0 \u1edf Vi\u1ec7t Nam, kh\u00e1ch h\u00e0ng th\u01b0\u1eddng xuy\u00ean g\u1eb7p r\u1eafc r\u1ed1i khi mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd do ki\u1ebfn th\u1ee9c, k\u1ef9 n\u0103ng c\u0169ng nh\u01b0 tr\u00e1ch nhi\u1ec7m c\u1ee7a nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n h\u1ea1n ch\u1ebf. \u201c\u1ede n\u01b0\u1edbc ngo\u00e0i, \u0111\u1ec3 b\u00e1n b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o b\u00e0i b\u1ea3n c\u00e1c chuy\u00ean ng\u00e0nh nh\u01b0 b\u1ea3o hi\u1ec3m, k\u1ebf to\u00e1n, t\u00e0i ch\u00ednh\u2026 nh\u01b0ng \u1edf Vi\u1ec7t Nam ai c\u0169ng \u0111i b\u00e1n \u0111\u01b0\u1ee3c, t\u1eeb nh\u1eefng c\u00e1n b\u1ed9 v\u1ec1 h\u01b0u, b\u00e0 n\u1ed9i tr\u1ee3 \u0111\u1ebfn c\u00e1c b\u1ea1n sinh vi\u00ean\u2026 Trong khi \u0111\u00f3, b\u1ea3n th\u00e2n nhi\u1ec1u kh\u00e1ch h\u00e0ng \u1edf Vi\u1ec7t Nam c\u0169ng c\u00f3 t\u00e2m l\u00fd tr\u1ee5c l\u1ee3i b\u1ea3o hi\u1ec3m\u201d – c\u00e1n b\u1ed9 n\u00e0y cho bi\u1ebft.<\/p>\n

\u2014\u2014\u2014\u2014\u2014-<\/p>\n

An ninh Th\u1ee7 \u0111\u00f4 (\u0110\u1eddi s\u1ed1ng) 04-6-2017:<\/em><\/strong><\/p>\n

http:\/\/anninhthudo.vn\/doi-song\/tu-mu-gui-tiet-kiem-mua-bao-hiem-nhan-tho\/730241.antd<\/a><\/em><\/p>\n

\u00a0(136\/1.829)<\/em>","protected":false},"excerpt":{"rendered":"

(ANTD) – M\u00f4 h\u00ecnh li\u00ean k\u1ebft gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch l\u1edbn cho c\u1ea3 hai b\u00ean nh\u1edd t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c \u01b0u th\u1ebf c\u1ee7a hai lo\u1ea1i h\u00ecnh t\u00e0i ch\u00ednh n\u00e0y. Tuy nhi\u00ean th\u1eddi gian qua, kh\u00f4ng \u00edt kh\u00e1ch h\u00e0ng \u0111\u00e3 g\u1eb7p r\u1eafc r\u1ed1i khi mua b\u1ea3o hi\u1ec3m t\u1ea1i […]<\/p>\n","protected":false},"author":1,"featured_media":15814,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-15813","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.674. T\u00f9 m\u00f9 g\u1eedi ti\u1ebft ki\u1ec7m - mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd - ANVI Law Firm<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/anvilaw.com\/vi\/1-674-tu-mu-gui-tiet-kiem-mua-bao-hiem-nhan-tho\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]1.674. T\u00f9 m\u00f9 g\u1eedi ti\u1ebft ki\u1ec7m - mua b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd[:] - ANVI Law Firm\" \/>\n<meta property=\"og:description\" content=\"(ANTD) – M\u00f4 h\u00ecnh li\u00ean k\u1ebft gi\u1eefa ng\u00e2n h\u00e0ng v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd mang l\u1ea1i nh\u1eefng l\u1ee3i \u00edch l\u1edbn cho c\u1ea3 hai b\u00ean nh\u1edd t\u1eadn d\u1ee5ng \u0111\u01b0\u1ee3c \u01b0u th\u1ebf c\u1ee7a hai lo\u1ea1i h\u00ecnh t\u00e0i ch\u00ednh n\u00e0y. 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