{"id":17777,"date":"2016-08-09T16:10:12","date_gmt":"2016-08-09T09:10:12","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=17777"},"modified":"2022-04-13T16:23:18","modified_gmt":"2022-04-13T09:23:18","slug":"1-246-bao-hiem-mua-de-kho-doi-giang-bay-trong-hop-dong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/1-246-bao-hiem-mua-de-kho-doi-giang-bay-trong-hop-dong\/","title":{"rendered":"1.246. B\u1ea3o hi\u1ec3m mua d\u1ec5 kh\u00f3 \u0111\u00f2i: ‘Gi\u0103ng b\u1eaby’ trong h\u1ee3p \u0111\u1ed3ng"},"content":{"rendered":"
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(TN) – H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m thu\u1ed9c lo\u1ea1i kh\u00f3 hi\u1ec3u v\u00e0 ph\u1ee9c t\u1ea1p nh\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng, v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n khi di\u1ec5n gi\u1ea3i th\u01b0\u1eddng nghi\u00eang v\u1ec1 chi\u1ec1u h\u01b0\u1edbng c\u00f3 l\u1ee3i cho nh\u00e0 b\u1ea3o hi\u1ec3m.<\/strong><\/p>\n<\/div>\n

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\"M\u1ed9t<\/td>\n<\/tr>\n
M\u1ed9t \u0111i\u1ec1u kho\u1ea3n kh\u00f3 hi\u1ec3u trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n
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B\u00e0 N.T.L.Th (H\u00e0 N\u1ed9i) mua b\u1ea3o hi\u1ec3m Vi\u00ean m\u00e3n tr\u1ecdn \u0111\u1eddi – cho em c\u1ee7a Manulife \u0111\u00e3 b\u1ecb t\u1eeb ch\u1ed1i chi tr\u1ea3 quy\u1ec1n l\u1ee3i, gi\u1eef l\u1ea1i to\u00e0n b\u1ed9 ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u00f3ng v\u1edbi l\u00fd do kh\u00f4ng khai b\u00e1o th\u00f4ng tin trung th\u1ef1c, ch\u00ednh x\u00e1c. Kh\u00f4ng nh\u1eefng v\u1eady, b\u00e0 t\u00e9 ng\u1eeda khi h\u1ee3p \u0111\u1ed3ng Th\u00e0nh t\u00e0i l\u1eadp nghi\u1ec7p – C\u1eed nh\u00e2n b\u00e0 mua cho con trai c\u0169ng b\u1ecb \u0111\u00ecnh ch\u1ec9 v\u00e0 gi\u1eef l\u1ea1i to\u00e0n b\u1ed9 ph\u00ed. \u201cB\u00e0 kh\u00f4ng bi\u1ebft g\u00ec v\u1ec1 nh\u1eefng r\u00e0ng bu\u1ed9c d\u1eaft d\u00e2y n\u00e0y\u201d, \u0111\u1ea1i di\u1ec7n ph\u00e1p l\u00fd c\u1ee7a b\u00e0 cho bi\u1ebft.<\/p>\n

\u0110\u00e1nh \u0111\u1ed1 kh\u00e1ch h\u00e0ng<\/strong><\/p>\n

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Theo lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, n\u1ebfu nh\u01b0 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n \u0111\u00e3 ph\u1ee9c t\u1ea1p, th\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f2n m\u1eadp m\u1edd h\u01a1n nhi\u1ec1u l\u1ea7n, v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n r\u00e0ng bu\u1ed9c nhau ch\u1eb7t ch\u1ebd nh\u1eb1m lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m b\u1ed3i th\u01b0\u1eddng c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. Th\u00ed d\u1ee5, trong \u0111\u01a1n y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd th\u01b0\u1eddng h\u1ecfi: Ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 th\u01b0\u1eddng xuy\u00ean d\u00f9ng xe m\u00e1y trong c\u00f4ng vi\u1ec7c kh\u00f4ng? Hi\u1ec7n nay c\u00f3 d\u00f9ng thu\u1ed1c \u0111i\u1ec1u tr\u1ecb g\u00ec kh\u00f4ng? Trong v\u00f2ng 5 n\u0103m tr\u1edf l\u1ea1i \u0111\u00e2y, c\u00f3 x\u00e9t nghi\u1ec7m ch\u1ea9n \u0111o\u00e1n nh\u01b0 X-quang, si\u00eau \u00e2m, \u0111i\u1ec7n t\u00e2m \u0111\u1ed3, th\u1eed m\u00e1u, sinh thi\u1ebft hay kh\u00f4ng… \u201c\u0110\u1ee9ng tr\u01b0\u1edbc t\u00ecnh hu\u1ed1ng n\u00e0y, nhi\u1ec1u ng\u01b0\u1eddi th\u1ea5y khai c\u0169ng \u0111\u01b0\u1ee3c kh\u00f4ng khai c\u0169ng kh\u00f4ng sao m\u00e0 kh\u00f4ng l\u01b0\u1eddng \u0111\u01b0\u1ee3c h\u1ec7 l\u1ee5y v\u1ec1 sau\u201d, \u00f4ng n\u00f3i.<\/td>\n<\/tr>\n
<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

L\u00fd do \u201ckhai b\u00e1o th\u00f4ng tin kh\u00f4ng trung th\u1ef1c, ch\u00ednh x\u00e1c, \u0111\u1ea7y \u0111\u1ee7\u201d l\u00e0 c\u00e1i c\u1edb \u0111\u1ee9ng h\u00e0ng \u0111\u1ea7u \u0111\u1ec3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng.<\/p><\/div>\n

N\u0103m 2013, AIA t\u1eebng t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng cho tr\u01b0\u1eddng h\u1ee3p \u00f4ng Nguy\u1ec5n V\u0103n Long (\u0111\u00e3 qua \u0111\u1eddi) v\u1edbi l\u00fd do n\u00e0y. Theo \u0111\u00f3, nguy\u00ean nh\u00e2n c\u00e1i ch\u1ebft c\u1ee7a \u00f4ng Long l\u00e0 tr\u1ee5y m\u1ea1ch, xu\u1ea5t huy\u1ebft ti\u00eau h\u00f3a do gi\u00e3n v\u1ee1 t\u0129nh m\u1ea1ch th\u1ef1c qu\u1ea3n, nh\u01b0ng AIA l\u1ea1i d\u1ef1a v\u00e0o ch\u1ea9n \u0111o\u00e1n \u201ch\u1ed9i ch\u1ee9ng cai r\u01b0\u1ee3u\u201d c\u1ee7a \u00f4ng tr\u01b0\u1edbc \u0111\u00f3 \u0111\u1ec3 t\u1eeb ch\u1ed1i chi tr\u1ea3.<\/p>\n

Tr\u01b0\u1edbc \u0111\u00f3, b\u1ea3o hi\u1ec3m Prudential c\u0169ng t\u1eeb ch\u1ed1i chi tr\u1ea3 cho b\u00e0 Hu\u1ef3nh Th\u1ecb Th\u1ea3o v\u1edbi l\u00fd do b\u00e0 kh\u00f4ng k\u00ea khai trung th\u1ef1c v\u1ec1 t\u00ecnh tr\u1ea1ng s\u1ee9c kh\u1ecfe c\u1ee7a con trai nhi\u1ec5m HIV (\u0111\u00e3 m\u1ea5t v\u00ec tai n\u1ea1n giao th\u00f4ng), h\u1ee3p \u0111\u1ed3ng v\u00ec th\u1ebf v\u00f4 hi\u1ec7u. C\u1ea3 hai v\u1ee5 vi\u1ec7c \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111\u01b0a ra t\u00f2a ph\u00e2n x\u1eed. Hay B\u1ea3o Vi\u1ec7t Nh\u00e2n th\u1ecd c\u0169ng t\u1eeb ch\u1ed1i b\u1ed3i th\u01b0\u1eddng tr\u01b0\u1eddng h\u1ee3p \u00f4ng Tr\u1ea7n H\u1eadu Thu\u1eadn (H\u00e0 T\u0129nh, \u0111\u00e3 qua \u0111\u1eddi v\u00ec nh\u1ed3i m\u00e1u c\u01a1 tim) do kh\u00f4ng khai b\u00e1o \u0111\u00e3 \u0111i\u1ec1u tr\u1ecb b\u1ec7nh ph\u1ed5i tr\u01b0\u1edbc khi k\u00fd b\u1ea3o hi\u1ec3m\u2026<\/p>\n

Lu\u1eadt s\u01b0 B\u00f9i Quang Nghi\u00eam, Ph\u00f3 ch\u1ee7 nhi\u1ec7m \u0111o\u00e0n lu\u1eadt s\u01b0 TP.HCM, cho r\u1eb1ng t\u00ecnh tr\u1ea1ng n\u1ed5i c\u1ed9m c\u1ee7a c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 t\u1eeb ng\u1eef s\u1eed d\u1ee5ng kh\u00f4ng r\u00f5 r\u00e0ng, n\u00ean khi x\u1ea3y ra s\u1ef1 c\u1ed1 d\u1ec5 ng\u1ea3 theo chi\u1ec1u h\u01b0\u1edbng c\u00f3 l\u1ee3i cho nh\u00e0 b\u1ea3o hi\u1ec3m. Ch\u1eb3ng h\u1ea1n, ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111i\u1ec1n \u0111\u1ea7y \u0111\u1ee7, ch\u00ednh x\u00e1c v\u00e0o h\u1ed3 s\u01a1. N\u1ebfu vi ph\u1ea1m, h\u1ee3p \u0111\u1ed3ng s\u1ebd v\u00f4 hi\u1ec7u v\u00e0 c\u00f4ng ty s\u1ebd ho\u00e0n l\u1ea1i ph\u00ed b\u1ea3o hi\u1ec3m. Nh\u01b0ng v\u00f4 hi\u1ec7u v\u00e0o l\u00fac n\u00e0o? V\u00ec c\u00f4ng ty quy \u0111\u1ecbnh, tr\u00ean 21 ng\u00e0y \u0111\u1ebfn d\u01b0\u1edbi 2 n\u0103m k\u1ec3 t\u1eeb khi k\u00fd h\u1ee3p \u0111\u1ed3ng, ng\u01b0\u1eddi mua kh\u00f4ng khai ch\u00ednh x\u00e1c l\u00e0 m\u1ea5t tr\u1eafng. C\u00f2n sau 2 n\u0103m, gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i ch\u1ec9 c\u00f2n kho\u1ea3ng 50%. Tuy nhi\u00ean, m\u1ed9t \u0111i\u1ec1u kho\u1ea3n kh\u00e1c l\u1ea1i r\u00e0ng bu\u1ed9c ng\u01b0\u1eddi mua, l\u00e0 h\u1ee3p \u0111\u1ed3ng ch\u1ec9 c\u00f3 gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i sau khi \u0111\u00e3 \u0111\u00f3ng ph\u00ed 2 n\u0103m. \u201cNhi\u1ec1u ng\u01b0\u1eddi \u0111\u00e3 tr\u1eafng tay v\u00ec kh\u00f4ng bi\u1ebft s\u1ef1 r\u00e0ng bu\u1ed9c n\u00e0y\u201d, \u00f4ng n\u00f3i.<\/p>\n

Lu\u1eadt s\u01b0 Nghi\u00eam c\u0169ng d\u1eabn ch\u1ee9ng nguy\u00ean v\u0103n m\u1ed9t \u0111i\u1ec1u kho\u1ea3n r\u1ed1i r\u1eafm, kh\u00f3 hi\u1ec3u trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u1ee7a Manulife \u201c\u0111\u1ecdc \u0111\u1ebfn ch\u1ebft\u201d c\u0169ng kh\u00f4ng hi\u1ec3u \u0111\u01b0\u1ee3c: \u201cTrong th\u1eddi gian h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m c\u00f2n hi\u1ec7u l\u1ef1c, n\u1ebfu b\u00ean mua b\u1ea3o hi\u1ec3m t\u1eed vong hay b\u1ecb th\u01b0\u01a1ng t\u1eadt to\u00e0n b\u1ed9 v\u0129nh vi\u1ec5n, v\u00e0 v\u1edbi \u0111i\u1ec1u ki\u1ec7n b\u00ean mua b\u1ea3o hi\u1ec3m ti\u1ebfp t\u1ee5c b\u1ecb th\u01b0\u01a1ng t\u1eadt to\u00e0n b\u1ed9 v\u0129nh vi\u1ec5n v\u00e0o c\u00e1c ng\u00e0y k\u1ef7 ni\u1ec7m h\u1ee3p \u0111\u1ed3ng v\u00e0 ng\u00e0y ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u1ebfn h\u1ea1n, c\u00f4ng ty s\u1ebd thanh to\u00e1n cho ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m 10% s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m m\u1ed7i n\u0103m v\u00e0o ng\u00e0y k\u1ef7 ni\u1ec7m h\u1ee3p \u0111\u1ed3ng cho \u0111\u1ebfn khi h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m b\u1eaft \u0111\u1ea7u c\u00f3 quy\u1ec1n l\u1ee3i phi\u1ebfu ti\u1ec1n m\u1eb7t v\u00e0 mi\u1ec5n ph\u00ed b\u1ea3o hi\u1ec3m s\u1ea3n ph\u1ea9m ch\u00ednh cho c\u00e1c k\u1ef3 ph\u00ed b\u1ea3o hi\u1ec3m \u0111\u1ebfn h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00e0y\u201d. \u201cV\u1edbi h\u00e0ng lo\u1ea1t c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u01b0\u01a1ng t\u1ef1 nh\u01b0 v\u1eady, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang \u0111\u00e1nh \u0111\u1ed1 v\u00e0 g\u00e2y kh\u00f3 kh\u0103n cho ch\u00ednh kh\u00e1ch h\u00e0ng c\u1ee7a m\u00ecnh\u201d, \u00f4ng ph\u00e2n t\u00edch.<\/p>\n

\u201cB\u00e9 x\u00e9 ra to\u201d<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt ANVI, nh\u00ecn nh\u1eadn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111ang c\u1ed1 t\u00ecnh nghi\u00eam tr\u1ecdng h\u00f3a v\u1ea5n \u0111\u1ec1 khai b\u00e1o th\u00f4ng tin c\u1ee7a ng\u01b0\u1eddi mua. V\u1ec1 nguy\u00ean l\u00fd th\u00ec c\u00e1c vi ph\u1ea1m nghi\u00eam tr\u1ecdng, \u1ea3nh h\u01b0\u1edfng l\u1edbn \u0111\u1ebfn t\u00ednh ch\u1ea5t h\u1ee3p \u0111\u1ed3ng th\u00ec m\u1edbi \u0111\u01b0\u1ee3c \u0111\u01a1n ph\u01b0\u01a1ng ch\u1ea5m d\u1ee9t. Nh\u01b0ng trong h\u1ee3p \u0111\u1ed3ng, h\u1ea7u h\u1ebft c\u00e1c vi ph\u1ea1m \u0111\u1ec1u d\u1eabn \u0111\u1ebfn vi\u1ec7c h\u1ee3p \u0111\u1ed3ng b\u1ecb v\u00f4 hi\u1ec7u h\u00f3a khi\u1ebfn ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m c\u1ea3m th\u1ea5y oan \u1ee9c, thi\u1ec7t th\u00f2i.<\/p>\n

Lu\u1eadt s\u1eed \u0110\u1ee9c \u0111\u1ec1 xu\u1ea5t, c\u00e1c c\u01a1 quan c\u00f3 ch\u1ee9c n\u0103ng qu\u1ea3n l\u00fd ph\u1ea3i l\u00e0 n\u01a1i gi\u00e1m s\u00e1t ch\u1eb7t ch\u1ebd, y\u00eau c\u1ea7u \u0111i\u1ec1u ch\u1ec9nh, l\u00e0m s\u00e1ng t\u1ecf h\u01a1n n\u1eefa ng\u1eef ngh\u0129a c\u1ee7a h\u1ee3p \u0111\u1ed3ng. N\u1ebfu kh\u00f4ng, ng\u01b0\u1eddi ti\u00eau d\u00f9ng r\u1ea5t kh\u00f3 kh\u0103n \u0111\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a m\u00ecnh.<\/p>\n

C\u00f2n lu\u1eadt s\u01b0 Nghi\u00eam cho r\u1eb1ng \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111i giao d\u1ecbch th\u01b0\u1eddng d\u1eabn ra nh\u1eefng quy\u1ec1n l\u1ee3i l\u1edbn \u0111\u1ec3 thu h\u00fat ng\u01b0\u1eddi mua. Nh\u01b0ng \u0111\u1ebfn khi x\u1ea3y ra s\u1ef1 c\u1ed1, ng\u01b0\u1eddi x\u1eed l\u00fd b\u1ed3i th\u01b0\u1eddng l\u1ea1i \u0111\u1eb7t quy\u1ec1n l\u1ee3i c\u00f4ng ty l\u00ean cao h\u01a1n. \u201cH\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m hi\u1ec7n nay nh\u01b0 m\u1ed9t tr\u1eadn \u0111\u1ed3 b\u00e1t qu\u00e1i. Nh\u1eefng kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m giao d\u1ecbch nh\u1eb1m m\u1ee5c \u0111\u00edch k\u00fd h\u1ee3p \u0111\u1ed3ng c\u1ea7n d\u1ecbch v\u1ee5 t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh. \u0110\u1eebng nghe ho\u00e0n to\u00e0n v\u00e0o \u0111\u1ea1i l\u00fd\u201d, lu\u1eadt s\u01b0 Nghi\u00eam c\u1ea3nh b\u00e1o.<\/p>\n<\/div>\n<\/div>\n

H\u1ed3ng S\u01b0\u01a1ng<\/strong><\/p>\n

——————<\/p>\n

Thanh ni\u00ean (Kinh doanh) 09-8-2016:<\/em><\/strong><\/p>\n

http:\/\/thanhnien.vn\/kinh-doanh\/bao-hiem-mua-de-kho-doi-giang-bay-trong-hop-dong-731739.html<\/em><\/a><\/p>\n

(280\/1.072)<\/em>","protected":false},"excerpt":{"rendered":"

(TN) – H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m thu\u1ed9c lo\u1ea1i kh\u00f3 hi\u1ec3u v\u00e0 ph\u1ee9c t\u1ea1p nh\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng, v\u1edbi c\u00e1c \u0111i\u1ec1u kho\u1ea3n khi di\u1ec5n gi\u1ea3i th\u01b0\u1eddng nghi\u00eang v\u1ec1 chi\u1ec1u h\u01b0\u1edbng c\u00f3 l\u1ee3i cho nh\u00e0 b\u1ea3o hi\u1ec3m. M\u1ed9t \u0111i\u1ec1u kho\u1ea3n kh\u00f3 hi\u1ec3u trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m B\u00e0 N.T.L.Th (H\u00e0 N\u1ed9i) mua b\u1ea3o hi\u1ec3m Vi\u00ean m\u00e3n tr\u1ecdn […]<\/p>\n","protected":false},"author":10,"featured_media":17802,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[],"class_list":["post-17777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media"],"acf":[],"yoast_head":"\n1.246. 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