{"id":36593,"date":"2023-04-10T06:56:28","date_gmt":"2023-04-09T23:56:28","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36593"},"modified":"2024-11-28T15:57:33","modified_gmt":"2024-11-28T08:57:33","slug":"4-024-bay-ngam-trong-hop-dong-bao-hiem","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-024-bay-ngam-trong-hop-dong-bao-hiem\/","title":{"rendered":"4.024. &#8216;B\u1eaby ng\u1ea7m&#8217; trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m"},"content":{"rendered":"<h4><span style=\"color: #723918;\">&#8216;B\u1eaby ng\u1ea7m&#8217; trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m<\/span><\/h4>\n<h5>(TN) &#8211; T\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m ch\u1ec9 n\u00f3i \u0111\u1ebfn s\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c n\u1ebfu t\u1eed vong, kh\u00f4ng n\u00eau r\u00f5 s\u1ea3n ph\u1ea9m ph\u1ee5 \u0111i k\u00e8m&#8230; khi\u1ebfn nhi\u1ec1u kh\u00e1ch h\u00e0ng l\u1ee1 k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 r\u1ed3i sau \u0111\u00f3 ph\u00e1t hi\u1ec7n m\u00ecnh nh\u01b0 b\u1ecb l\u1eeba.<\/h5>\n<h5>100 tu\u1ed5i m\u1edbi \u0111\u00e1o h\u1ea1n h\u1ee3p \u0111\u1ed3ng<\/h5>\n<p>D\u01b0 lu\u1eadn \u0111ang x\u00f4n xao quanh vi\u1ec7c di\u1ec5n vi\u00ean Ng\u1ecdc Lan \u0111\u00e3 ph\u00e1t tr\u1ef1c ti\u1ebfp (livestream) tr\u00ean trang c\u00e1 nh\u00e2n cho r\u1eb1ng m\u00ecnh b\u1ecb l\u1eeba mua\u00a0b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd\u00a0(BHNT) khi\u1ebfn c\u1ed9ng \u0111\u1ed3ng &#8220;d\u1eady s\u00f3ng&#8221;. Theo \u0111\u00f3, n\u1eef di\u1ec5n vi\u00ean \u0111\u00e3 mua 2 g\u00f3i BH c\u1ee7a C\u00f4ng ty TNHH BHNT Aviva VN cho b\u1ea3n th\u00e2n v\u00e0 con trai v\u1edbi t\u1ed5ng c\u1ed9ng s\u1ed1 ti\u1ec1n c\u1ea7n \u0111\u00f3ng l\u00e0 700 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m nh\u01b0ng \u0111\u1ebfn nay ph\u00e1t hi\u1ec7n nhi\u1ec1u th\u00f4ng tin kh\u00f4ng \u0111\u00fang v\u1edbi nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n.<\/p>\n<p>C\u1ee5 th\u1ec3, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n (NVTV) n\u00f3i c\u00f4 tham gia h\u1ee3p \u0111\u1ed3ng (H\u0110) 10 n\u0103m, h\u1ebft th\u1eddi h\u1ea1n s\u1ebd l\u1ea5y l\u1ea1i \u0111\u1ee7 7 t\u1ec9 \u0111\u1ed3ng c\u1ed9ng th\u00eam ti\u1ec1n l\u1eddi s\u1ebd \u0111\u01b0\u1ee3c x\u1ea5p x\u1ec9 10 t\u1ec9 \u0111\u1ed3ng. Ng\u1ecdc Lan \u0111\u00e3 tham gia BH \u0111\u01b0\u1ee3c 3 n\u0103m qua v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n 2,1 t\u1ec9 \u0111\u1ed3ng. Tuy nhi\u00ean, m\u1edbi \u0111\u00e2y c\u00f4 ho\u00e0n to\u00e0n b\u1ea5t ng\u1edd khi bi\u1ebft tin C\u00f4ng ty Aviva VN \u0111\u00e3 kh\u00f4ng c\u00f2n n\u1eefa sau khi \u0111\u01b0\u1ee3c b\u00e1n cho m\u1ed9t \u0111\u01a1n v\u1ecb thu\u1ed9c T\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh Manulife r\u1ed3i \u0111\u1ed5i t\u00ean th\u00e0nh C\u00f4ng ty TNHH BHNT MVI (MVI Life). Ho\u1ea3ng h\u1ed1t, c\u00f4 \u0111\u1ebfn c\u00f4ng ty l\u00e0m vi\u1ec7c th\u00ec m\u1edbi bi\u1ebft trong H\u0110 BH c\u1ee7a 2 m\u1eb9 con \u0111\u01b0\u1ee3c chia ra r\u1ea5t nhi\u1ec1u ph\u1ea7n, g\u1ed3m s\u1ea3n ph\u1ea9m ch\u00ednh v\u00e0 s\u1ea3n ph\u1ea9m ph\u1ee5. S\u1ea3n ph\u1ea9m ph\u1ee5 l\u00e0 c\u00e1c s\u1ea3n ph\u1ea9m v\u1ec1 BH s\u1ee9c kh\u1ecfe n\u00ean sau 10 n\u0103m s\u1ed1 ti\u1ec1n c\u00f4 nh\u1eadn l\u1ea1i \u0111\u01b0\u1ee3c s\u1ebd kh\u00f4ng ph\u1ea3i l\u00ean g\u1ea7n 10 t\u1ec9 \u0111\u1ed3ng nh\u01b0 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n ban \u0111\u1ea7u.<\/p>\n<div id=\"attachment_36594\" class=\"wp-caption alignright\" style=\"width: auto\"><img loading=\"lazy\" decoding=\"async\" class=\"img-fluid img-fluid wp-image-36594 size-medium\" src=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/04\/Picture1-4-450x425.png\" alt=\"'B\u1eaby ng\u1ea7m' trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m\" width=\"450\" height=\"425\" srcset=\"https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/04\/Picture1-4-450x425.png 450w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/04\/Picture1-4-768x726.png 768w, https:\/\/anvilaw.com\/wp-content\/uploads\/2023\/04\/Picture1-4.png 945w\" sizes=\"auto, (max-width: 450px) 100vw, 450px\" \/><p class=\"wp-caption-text\">H\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd r\u1ed1i r\u1eafm, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n m\u1eadp m\u1edd khi\u1ebfn nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u1ea3m th\u1ea5y b\u1ecb l\u1eeba | NG\u1eccC TH\u1eaeNG<\/p><\/div>\n<p>\u0110\u1eb7c bi\u1ec7t, Ng\u1ecdc Lan c\u00f2n ph\u00e1t hi\u1ec7n th\u1eddi h\u1ea1n H\u0110 BH ghi con s\u1ed1 74 n\u0103m, kh\u00f4ng ph\u1ea3i 10 n\u0103m nh\u01b0 t\u01b0 v\u1ea5n ban \u0111\u1ea7u. Khi c\u00f4 th\u1eafc m\u1eafc, ph\u00eda nh\u00e2n vi\u00ean BH kh\u00f4ng gi\u1ea3i th\u00edch \u0111\u01b0\u1ee3c. &#8220;H\u0110 h\u1ecd c\u00e0i c\u1eafm chia ra s\u1ea3n ph\u1ea9m ch\u00ednh v\u00e0 s\u1ea3n ph\u1ea9m ph\u1ee5. Ph\u1ea7n s\u1ea3n ph\u1ea9m ph\u1ee5 l\u00e0 BH s\u1ee9c kh\u1ecfe th\u00ec kh\u00f4ng \u0111\u01b0\u1ee3c l\u1ea5y l\u1ea1i s\u1ed1 ti\u1ec1n n\u00e0y. Aviva \u0111\u00e3 b\u00e1n cho MVI thu\u1ed9c T\u1eadp \u0111o\u00e0n BH Manulife v\u00e0 t\u00f4i kh\u00f4ng h\u1ec1 nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t th\u00f4ng b\u00e1o n\u00e0o. T\u00f4i c\u0169ng kh\u00f4ng bi\u1ebft 10 n\u0103m n\u1eefa t\u00f4i c\u00f3 l\u1ea5y \u0111\u01b0\u1ee3c ti\u1ec1n kh\u00f4ng hay l\u00e0 \u0111\u1ebfn 74 n\u0103m? Khi mua BH l\u00fac 34 tu\u1ed5i, m\u00ecnh c\u00f3 \u0111i\u00ean kh\u00f4ng m\u00e0 mua BH ph\u1ea3i \u0111\u00f3ng 74 n\u0103m? Con s\u1ed1 74 n\u0103m c\u1ee7a t\u00f4i v\u00e0 42 n\u0103m c\u1ee7a con trai khi t\u00f4i h\u1ecfi th\u00ec ph\u00eda c\u00f4ng ty BH \u1eadm \u1edd kh\u00f4ng bi\u1ebft tr\u1ea3 l\u1eddi n\u00ean t\u00f4i c\u0169ng ch\u01b0a hi\u1ec3u r\u00f5 v\u00ec kh\u00f4ng r\u00e0nh thu\u1eadt ng\u1eef b\u00ean BH&#8221;, Ng\u1ecdc Lan chia s\u1ebb.<\/p>\n<p>Nh\u00e2n tr\u01b0\u1eddng h\u1ee3p c\u1ee7a di\u1ec5n vi\u00ean Ng\u1ecdc Lan, ch\u1ecb A.H (ng\u1ee5 Q.8, TP.HCM) c\u0169ng l\u00ean trang c\u00e1 nh\u00e2n chia s\u1ebb v\u1ec1 H\u0110 BH c\u1ee7a ch\u1ed3ng v\u1edbi C\u00f4ng ty M. Ch\u1ecb A.H cho bi\u1ebft do c\u1ea3 n\u1ec3 NVTV BH l\u00e0 ng\u01b0\u1eddi quen n\u00ean ch\u1ed3ng ch\u1ecb mua m\u1ed9t H\u0110 BH v\u00e0 anh c\u0169ng kh\u1eb3ng \u0111\u1ecbnh r\u00f5 ch\u1ec9 tham gia t\u1ed1i \u0111a 15 n\u0103m v\u1edbi s\u1ed1 ti\u1ec1n m\u1ed7i n\u0103m ph\u1ea3i \u0111\u00f3ng l\u00e0 50 tri\u1ec7u \u0111\u1ed3ng. Th\u1eadm ch\u00ed, ng\u01b0\u1eddi t\u01b0 v\u1ea5n BH \u1edf t\u1eadn Ngh\u1ec7 An n\u00ean thay m\u1eb7t kh\u00e1ch h\u00e0ng k\u00fd s\u1eb5n lu\u00f4n H\u0110 v\u00e0 sau khi chuy\u1ec3n ti\u1ec1n, ch\u1ed3ng ch\u1ecb m\u1edbi nh\u1eadn \u0111\u01b0\u1ee3c H\u0110 ch\u00ednh th\u1ee9c. L\u00fac \u0111\u00f3, ch\u1ecb t\u00e1 h\u1ecfa khi th\u1ea5y ng\u00e0y c\u1ea5p H\u0110 l\u00e0 n\u0103m 2018 v\u00e0 ng\u00e0y \u0111\u00e1o h\u1ea1n \u0111\u1ebfn t\u1eadn n\u0103m 2071, t\u01b0\u01a1ng \u1ee9ng th\u1eddi h\u1ea1n H\u0110 l\u00e0 53 n\u0103m.<\/p>\n<p>\u0110i\u1ec1u n\u00e0y t\u01b0\u01a1ng \u0111\u01b0\u01a1ng \u0111\u1ebfn l\u00fac ch\u1ed3ng ch\u1ecb tr\u00f2n 100 tu\u1ed5i m\u1edbi \u0111\u00e1o h\u1ea1n H\u0110? Ch\u1ecb A.H b\u1ee9c x\u00fac: &#8220;L\u00fac mua ch\u1ed3ng em \u0111\u00e3 46 tu\u1ed5i, n\u00ean em th\u1eadt s\u1ef1 kh\u00f4ng hi\u1ec3u H\u0110 \u0111\u1ec3 \u0111\u00e1o h\u1ea1n \u0111\u1ebfn l\u00fac 100 tu\u1ed5i l\u00e0 sao? Trong khi ph\u1ea7n ti\u1ec1n \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i n\u1ebfu \u0111\u00f3ng sau 10 n\u0103m v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n 500 tri\u1ec7u \u0111\u1ed3ng th\u00ec ch\u1ec9 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i h\u01a1n 261 tri\u1ec7u; sau 15 n\u0103m v\u1edbi t\u1ed5ng s\u1ed1 ti\u1ec1n 750 tri\u1ec7u \u0111\u1ed3ng th\u00ec c\u0169ng ch\u1ec9 nh\u1eadn \u0111\u01b0\u1ee3c 434 tri\u1ec7u. C\u00f2n khi duy tr\u00ec \u0111\u1ebfn khi ch\u1ed3ng em 76 tu\u1ed5i th\u00ec gi\u00e1 tr\u1ecb ti\u1ec1n l\u00e0 0 \u0111\u1ed3ng? Th\u1eadt s\u1ef1 l\u00e0 kh\u00f4ng hi\u1ec3u \u0111\u01b0\u1ee3c kh\u00fac n\u00e0y&#8221;.<\/p>\n<h5><strong>Nhi\u1ec1u c\u00f4ng ty BH l\u1ea5y m\u1eabu H\u0110 qu\u1ed1c t\u1ebf n\u00ean d\u00f9ng nh\u1eefng t\u1eeb ng\u1eef kh\u00f3 hi\u1ec3u, chung chung khi\u1ebfn ng\u01b0\u1eddi d\u00e2n \u0111\u1ecdc c\u1ea3m th\u1ea5y r\u1ed1i. C\u1ea7n ph\u1ea3i ti\u1ebfn \u0111\u1ebfn H\u0110 BH l\u00e0m sao b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng, n\u1ed9i dung r\u00f5 r\u00e0ng, ng\u1eafn g\u1ecdn, th\u00f4ng tin \u0111\u1ea7y \u0111\u1ee7. \u0110\u1eb7c bi\u1ec7t l\u00e0 kh\u00f4ng c\u00e0i c\u1eafm nh\u1eefng \u0111i\u1ec1u kho\u1ea3n n\u00e0y kia \u0111\u1ec3 v\u00f4 hi\u1ec7u ngay trong m\u1ed9t H\u0110.<\/strong><\/h5>\n<h5><strong>TS Nguy\u1ec5n Ng\u1ecdc T\u00fa, Tr\u01b0\u1eddng \u0110H Kinh doanh v\u00e0 c\u00f4ng ngh\u1ec7 H\u00e0 N\u1ed9i<\/strong><\/h5>\n<p>Tr\u01b0\u1edbc \u0111\u00f3, ch\u1ecb T.T.Nhi \u0111\u00e3 ph\u1ea3n \u00e1nh \u0111\u1ebfn B\u00e1o\u00a0<em>Thanh Ni\u00ean\u00a0<\/em>v\u1ec1 H\u0110 BH c\u1ee7a m\u00ecnh khi mua c\u00f3 th\u1eddi h\u1ea1n 10 n\u0103m v\u1edbi s\u1ed1 ti\u1ec1n ph\u1ea3i \u0111\u00f3ng t\u1ed5ng c\u1ed9ng l\u00ean g\u1ea7n 606 tri\u1ec7u \u0111\u1ed3ng. Tuy nhi\u00ean sau \u0111\u00f3 ch\u1ecb ph\u00e1t hi\u1ec7n l\u00e0 theo H\u0110, h\u1ebft th\u1eddi gian 10 n\u0103m n\u1ebfu t\u1ea5t to\u00e1n, s\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c l\u1ea1i c\u0169ng ch\u1ec9 l\u00e0 520 tri\u1ec7u \u0111\u1ed3ng, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng kho\u1ea3ng 85% s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng. N\u1ebfu mu\u1ed1n nh\u1eadn l\u1ea1i to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng c\u1ed9ng v\u1edbi b\u1ea3o t\u1ee9c (ti\u1ec1n l\u00e3i) \u0111\u01b0\u1ee3c t\u00edch l\u0169y th\u00ec ch\u1ecb T.T.Nhi ph\u1ea3i \u0111\u1ee3i th\u00eam 5 n\u0103m sau \u0111\u00f3, l\u00ean t\u1ed5ng c\u1ed9ng 15 n\u0103m. B\u1ea3n th\u00e2n ch\u1ecb T.T.Nhi nh\u1ea5n m\u1ea1nh m\u00ecnh ch\u01b0a h\u1ec1 nghe nh\u1eafc \u0111\u1ebfn gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i nh\u01b0 v\u1eady v\u00e0 lu\u00f4n ngh\u0129 r\u1eb1ng H\u0110 k\u00fd th\u1eddi h\u1ea1n 10 n\u0103m th\u00ec \u0111\u00fang 10 n\u0103m sau \u0111\u00f3 ch\u1ecb s\u1ebd nh\u1eadn l\u1ea1i \u0111\u01b0\u1ee3c to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng c\u1ed9ng v\u1edbi ti\u1ec1n l\u00e3i. Ch\u1ec9 sau khi l\u00e0m vi\u1ec7c l\u1ea1i v\u1edbi\u00a0c\u00f4ng ty BH\u00a0th\u00ec m\u1edbi \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n vi\u1ec7c ph\u1ea3i ch\u1edd \u0111\u1ebfn 15 n\u0103m l\u00e0 do kh\u00e1ch h\u00e0ng &#8220;ch\u1ec9 \u0111\u00f3ng ph\u00ed 10 n\u0103m nh\u01b0ng th\u1eddi gian \u0111\u01b0\u1ee3c BH l\u00ean 15 n\u0103m!?&#8221;.<\/p>\n<h5>T\u01b0 v\u1ea5n m\u1eadp m\u1edd, b\u1ecf l\u01a1 c\u00e1c \u0111i\u1ec1u kho\u1ea3n m\u1ea5t ti\u1ec1n<\/h5>\n<p>Di\u1ec5n vi\u00ean Ng\u1ecdc Lan chia s\u1ebb ng\u01b0\u1eddi t\u01b0 v\u1ea5n \u0111\u00e1nh tr\u00fang v\u00e0o t\u00e2m l\u00fd m\u1eb9 \u0111\u01a1n th\u00e2n c\u1ee7a c\u00f4 th\u01b0\u1eddng lo l\u1eafng, l\u1ee1 c\u00f3 \u0111i\u1ec1u g\u00ec kh\u00f4ng may x\u1ea3y ra th\u00ec con c\u00f2n nh\u1ecf ai nu\u00f4i? Ng\u01b0\u1eddi t\u01b0 v\u1ea5n BH nhi\u1ec1u l\u1ea7n nh\u1eafc \u0111i nh\u1eafc l\u1ea1i r\u1eb1ng sau 10 n\u0103m, c\u00f4 s\u1ebd nh\u1eadn l\u1ea1i \u0111\u01b0\u1ee3c g\u1ea7n 10 t\u1ec9 \u0111\u1ed3ng v\u00e0 n\u1ebfu n\u1eef di\u1ec5n vi\u00ean kh\u00f4ng may x\u1ea3y ra r\u1ee7i ro th\u00ec con trai \u0111\u01b0\u1ee3c nh\u1eadn ti\u1ec1n b\u1ed3i th\u01b0\u1eddng l\u00ean \u0111\u1ebfn 15 t\u1ec9 \u0111\u1ed3ng. Ch\u00ednh v\u00ec nghe \u0111\u1ebfn con s\u1ed1 \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng 15 t\u1ec9 \u0111\u1ed3ng n\u00ean c\u00f4 \u0111\u00e3 mua lu\u00f4n c\u00f9ng l\u00fac 2 g\u00f3i BH. \u0110\u00e1ng n\u00f3i, ng\u01b0\u1eddi t\u01b0 v\u1ea5n cho n\u1eef di\u1ec5n vi\u00ean Ng\u1ecdc Lan kh\u00f4ng h\u1ec1 \u0111\u1ec1 c\u1eadp c\u00e1c s\u1ea3n ph\u1ea9m ph\u1ee5 l\u00e0 BH s\u1ee9c kh\u1ecfe hay gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i theo t\u1eebng n\u0103m c\u1ee7a H\u0110. &#8220;C\u00e1i t\u00f4i b\u1ee9c x\u00fac \u1edf \u0111\u00e2y l\u00e0 t\u01b0 v\u1ea5n vi\u00ean d\u1ee5 d\u1ed7 m\u00ecnh \u0111\u1ec3 k\u00fd H\u0110 v\u00e0 m\u00ecnh kh\u00f4ng \u0111\u1ecdc H\u0110 n\u00ean con s\u1ed1 sau 10 n\u0103m r\u00fat ra kh\u00f4ng \u0111\u00fang con s\u1ed1 th\u1ecfa thu\u1eadn. Ph\u00eda c\u00f4ng ty c\u0169ng kh\u00f4ng ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng v\u00e0 b\u1ea3o \u0111\u00e2y l\u00e0 quy \u0111\u1ecbnh c\u00f4ng ty&#8221;, c\u00f4 chia s\u1ebb.<\/p>\n<p>T\u01b0\u01a1ng t\u1ef1, ch\u1ecb A.H c\u0169ng cho r\u1eb1ng ch\u1ed3ng m\u00ecnh c\u0169ng b\u1ecb t\u01b0 v\u1ea5n BH &#8220;d\u1ee5&#8221; v\u00ec kh\u00f4ng h\u1ec1 \u0111\u01b0\u1ee3c nghe r\u00f5 v\u1ec1 th\u00f4ng tin s\u1ea3n ph\u1ea9m ph\u1ee5 \u0111i k\u00e8m, v\u1ec1 s\u1ed1 ti\u1ec1n th\u1eadt s\u1ef1 \u0111\u01b0\u1ee3c ho\u00e0n l\u1ea1i theo th\u1eddi gian \u0111\u00f3ng BH. Ng\u01b0\u1eddi t\u01b0 v\u1ea5n tr\u01b0\u1edbc sau h\u1ea7u nh\u01b0 ch\u1ec9 l\u1eb7p \u0111i l\u1eb7p l\u1ea1i r\u1eb1ng \u0111\u00f3ng t\u1ed5ng c\u1ed9ng 500 tri\u1ec7u sau 10 n\u0103m nh\u01b0ng trong l\u00fac \u0111\u00f3 n\u1ebfu l\u1ee1 c\u00f3 g\u00ec r\u1ee7i ro cho ng\u01b0\u1eddi ch\u1ed3ng th\u00ec v\u1ee3 con s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng \u0111\u1ebfn 2 t\u1ec9 \u0111\u1ed3ng.<\/p>\n<p>&#8220;N\u1ebfu ch\u1ed3ng em nghe \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n ho\u00e0n l\u1ea1i sau 10 n\u0103m hay 15 n\u0103m qu\u00e1 th\u1ea5p nh\u01b0 v\u1eady th\u00ec ch\u1eafc ch\u1eafn anh \u1ea5y s\u1ebd kh\u00f4ng \u0111\u1ed3ng \u00fd mua BH \u0111\u00e2u. B\u1edfi t\u1ee5i em v\u1eabn t\u00ednh to\u00e1n \u0111\u01b0\u1ee3c mua BHNT sau th\u1eddi gian n\u1ebfu nh\u1eadn l\u1ea1i \u0111\u1ee7 ti\u1ec1n g\u1ed1c v\u00e0 l\u00e3i th\u00ec c\u0169ng th\u1ea5p h\u01a1n n\u1ebfu g\u1eedi ti\u1ec1n v\u00e0o ng\u00e2n h\u00e0ng (NH). C\u00f2n \u1edf \u0111\u00e2y sau 10 n\u0103m m\u00e0 s\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c ch\u1ec9 c\u00f3 m\u1ed9t n\u1eeda th\u00ec ai d\u00e1m mua BH? Ng\u01b0\u1eddi t\u01b0 v\u1ea5n c\u0169ng kh\u00f4ng cho xem tr\u01b0\u1edbc H\u0110 m\u00e0 ch\u1ec9 \u0111\u01b0a khi k\u00fd ch\u00ednh th\u1ee9c lu\u00f4n. B\u1edfi v\u1eady n\u00ean gi\u1edd em c\u00f3 \u00e1c c\u1ea3m v\u1edbi ng\u01b0\u1eddi t\u01b0 v\u1ea5n BH l\u00e0 c\u00f3 l\u00fd do&#8221;, ch\u1ecb A.H n\u00f3i.<\/p>\n<p>C\u00f2n theo ch\u1ecb T.T.Nhi, sau khi \u0111\u00e3 mua BH th\u00ec ph\u00e1t hi\u1ec7n NVTV \u0111\u00e3 l\u1edd \u0111i gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i m\u00e0 ch\u1ec9 nh\u1ea5n m\u1ea1nh v\u00e0o vi\u1ec7c sau 24 th\u00e1ng \u0111\u1ea7u ti\u00ean c\u00f3 th\u1ec3 t\u1ea5t to\u00e1n tr\u01b0\u1edbc h\u1ea1n. M\u1ed9t H\u0110 BHNT d\u00e0y g\u1ea7n 100 trang, d\u00e0y \u0111\u1eb7c nhi\u1ec1u thu\u1eadt ng\u1eef chuy\u00ean ng\u00e0nh m\u00e0 ch\u1ecb v\u00e0 r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi d\u00f9 \u0111\u00e3 \u0111\u1eb7t b\u00fat k\u00fd nh\u01b0ng c\u00f3 khi kh\u00f4ng \u0111\u1ecdc h\u1ebft v\u00e0 c\u0169ng kh\u00f4ng hi\u1ec3u \u0111\u01b0\u1ee3c. \u0110\u1eb7c bi\u1ec7t, b\u1ea3ng minh h\u1ecda quy\u1ec1n l\u1ee3i c\u1ee7a s\u1ea3n ph\u1ea9m l\u1ea1i n\u1eb1m \u1edf nh\u1eefng trang cu\u1ed1i c\u00f9ng c\u1ee7a H\u0110 n\u00ean \u00edt ai ch\u00fa \u00fd n\u1ebfu kh\u00f4ng c\u00f3 ng\u01b0\u1eddi nh\u1eafc nh\u1edf.<\/p>\n<p>M\u1ed9t nh\u00e2n vi\u00ean \u0111\u00e3 t\u1eebng\u00a0l\u00e0m t\u01b0 v\u1ea5n BH chia s\u1ebb:\u00a0khi tham gia c\u00e1c kh\u00f3a h\u1ecdc c\u1ee7a c\u00f4ng ty BHNT, th\u01b0\u1eddng ng\u01b0\u1eddi \u0111\u00e0o t\u1ea1o s\u1ebd ch\u1ec9 &#8220;chi\u00eau&#8221; r\u1eb1ng nh\u00e2n vi\u00ean kh\u00f4ng n\u00ean n\u00f3i v\u1edbi kh\u00e1ch h\u00e0ng khi thanh l\u00fd H\u0110 tr\u01b0\u1edbc h\u1ea1n s\u1ebd m\u1ea5t bao nhi\u00eau ti\u1ec1n m\u00e0 ch\u1ec9 nh\u1ea5n m\u1ea1nh v\u00e0o nh\u1eefng l\u1ee3i \u00edch c\u00f3 \u0111\u01b0\u1ee3c. Ch\u00ednh v\u00ec v\u1eady n\u1ebfu t\u01b0 v\u1ea5n l\u00e0 ng\u01b0\u1eddi quen, h\u1ecd h\u00e0ng th\u00ec th\u01b0\u1eddng ng\u01b0\u1eddi mua BH c\u0169ng kh\u00f4ng h\u1ec1 bi\u1ebft h\u1ecd ph\u1ea3i \u0111\u00f3ng ti\u1ec1n bao nhi\u00eau n\u0103m m\u1edbi b\u1eaft \u0111\u1ea7u c\u00f3 th\u1ec3 nh\u1eadn l\u1ea1i \u0111\u01b0\u1ee3c ph\u1ea7n n\u00e0o s\u1ed1 ti\u1ec1n \u0111\u00f3\u2026<\/p>\n<h5><em>Gi\u00e1o s\u01b0, ti\u1ebfn s\u0129 \u0111\u1ecdc ch\u01b0a ch\u1eafc hi\u1ec3u \u0111\u01b0\u1ee3c H\u0110 BH?<\/em><\/h5>\n<p>TS Nguy\u1ec5n Ng\u1ecdc T\u00fa, gi\u1ea3ng vi\u00ean Tr\u01b0\u1eddng \u0110H Kinh doanh v\u00e0 c\u00f4ng ngh\u1ec7 H\u00e0 N\u1ed9i, th\u1eeba nh\u1eadn b\u1ea3n th\u00e2n \u00f4ng \u0111\u00e3 mua, \u0111\u1ecdc H\u0110 BHNT v\u00e0 th\u1ea5y qu\u00e1 ph\u1ee9c t\u1ea1p. C\u00e1c \u0111i\u1ec1u kho\u1ea3n r\u00e0ng bu\u1ed9c l\u1eabn nhau. \u0110\u1ebfn khi \u0111\u1ee5ng chuy\u1ec7n, m\u1edf H\u0110 ra th\u00ec &#8220;t\u00e9 ng\u1eeda&#8221; v\u00ec H\u0110 qu\u00e1 d\u00e0i, \u0111\u1ecdc qu\u00e1 r\u1ed1i. V\u00ec v\u1eady, kh\u00e1ch h\u00e0ng th\u01b0\u1eddng kh\u00f4ng \u0111\u1ee7 ki\u00ean nh\u1eabn \u0111\u1ec3 \u0111\u1ecdc n\u00ean sau khi trao \u0111\u1ed5i v\u1edbi NVTV nh\u1eefng \u0111i\u1ec1u kho\u1ea3n ch\u00ednh nh\u01b0 th\u1eddi gian tham gia, gi\u00e1 tr\u1ecb H\u0110, nh\u1eefng quy\u1ec1n l\u1ee3i\u2026 r\u1ed3i l\u1eadt trang cu\u1ed1i k\u00fd v\u00e0 &#8220;b\u00fat sa g\u00e0 ch\u1ebft&#8221;.<\/p>\n<p>\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi t\u01b0 v\u1ea5n BH, sau nh\u1eefng H\u0110 \u0111\u01b0\u1ee3c k\u00fd k\u1ebft th\u00e0nh c\u00f4ng, h\u1ecd s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c hoa h\u1ed3ng m\u00e0 t\u1ef7 l\u1ec7 n\u00e0y r\u1ea5t cao n\u00ean \u0111\u00f4i khi th\u00f4ng tin \u0111\u01b0a ra c\u00f3 s\u1ef1 sai l\u1ec7ch v\u1edbi H\u0110. H\u01a1n n\u1eefa, tr\u00e1ch nhi\u1ec7m gi\u1eefa ng\u01b0\u1eddi t\u01b0 v\u1ea5n v\u00e0 c\u00f4ng ty c\u0169ng l\u1ecfng l\u1ebbo, c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi ch\u1ec9 l\u00e0 c\u1ed9ng t\u00e1c vi\u00ean n\u00ean c\u00f4ng ty kh\u00f4ng ch\u1ecbu tr\u00e1ch nhi\u1ec7m qu\u1ea3n l\u00fd. &#8220;R\u1ea5t ti\u1ebfc m\u1ed9t s\u1ed1 \u0111i\u1ec1u kho\u1ea3n trong H\u0110 kh\u00f4ng b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng. H\u0110 BHNT c\u00f2n ph\u1ee9c t\u1ea1p h\u01a1n c\u1ea3 H\u0110 kinh t\u1ebf. Nhi\u1ec1u c\u00f4ng ty BH l\u1ea5y m\u1eabu H\u0110 qu\u1ed1c t\u1ebf n\u00ean d\u00f9ng nh\u1eefng t\u1eeb ng\u1eef kh\u00f3 hi\u1ec3u, chung chung khi\u1ebfn ng\u01b0\u1eddi d\u00e2n \u0111\u1ecdc c\u1ea3m th\u1ea5y r\u1ed1i. C\u1ea7n ph\u1ea3i ti\u1ebfn \u0111\u1ebfn H\u0110 BH l\u00e0m sao b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng, n\u1ed9i dung r\u00f5 r\u00e0ng, ng\u1eafn g\u1ecdn, th\u00f4ng tin \u0111\u1ea7y \u0111\u1ee7. \u0110\u1eb7c bi\u1ec7t l\u00e0 kh\u00f4ng c\u00e0i c\u1eafm nh\u1eefng \u0111i\u1ec1u kho\u1ea3n n\u00e0y kia \u0111\u1ec3 v\u00f4 hi\u1ec7u ngay trong m\u1ed9t H\u0110&#8221;, TS T\u00fa nh\u1ea5n m\u1ea1nh.<\/p>\n<p><em>\u0110\u1ed3ng t\u00ecnh, <a href=\"https:\/\/anvilaw.com\/vi\/lawyers\/\"><span style=\"color: #0000ff;\">Lu\u1eadt s\u01b0<\/span><\/a> <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/vi\/lawyers\/truong-thanh-duc\/\">Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c <a style=\"color: #0000ff;\" href=\"https:\/\/anvilaw.com\/\">C\u00f4ng ty Lu\u1eadt<\/a> <strong><a style=\"color: #723900;\" href=\"https:\/\/www.facebook.com\/anvilawfirm\">ANVI<\/a><\/strong>, c\u0169ng nh\u1eadn \u0111\u1ecbnh H\u0110 BHNT c\u00f3 \u0111\u1ed9 ph\u1ee9c t\u1ea1p cao, ch\u1ec9 c\u00f3 th\u1ec3 hi\u1ec3u \u0111\u01b0\u1ee3c 70% H\u0110 l\u00e0 nhi\u1ec1u. H\u0110 g\u1ea7n 100 trang nh\u01b0ng nhi\u1ec1u khi d\u00e2n t\u00e0i ch\u00ednh, gi\u00e1o s\u01b0, ti\u1ebfn s\u0129 \u0111\u1ecdc ch\u01b0a ch\u1eafc hi\u1ec3u \u0111\u01b0\u1ee3c h\u1ebft. Ch\u1ec9 c\u1ea7n m\u1ed9t t\u1eeb &#8220;l\u1eaft l\u00e9o&#8221; trong H\u0110 \u0111\u1ebfn khi x\u1ea3y ra tranh ch\u1ea5p \u1edf t\u00f2a th\u00ec kh\u00e1ch h\u00e0ng c\u0169ng thua. Trong khi h\u1ecd th\u01b0\u1eddng kh\u00f4ng \u0111\u1ecdc, kh\u00f4ng hi\u1ec3u h\u1ebft c\u00e1c \u0111i\u1ec1u kho\u1ea3n trong H\u0110 m\u00e0 ch\u1ec9 nghe t\u01b0 v\u1ea5n l\u00e0 k\u00fd.\u00a0<\/em><\/p>\n<h5><strong>Mai<\/strong> <strong>Ph\u01b0\u01a1ng \u2013 Thanh Xu\u00e2n<\/strong><\/h5>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;<\/p>\n<p><strong><em>Thanh<\/em><\/strong> <strong><em>ni\u00ean (Kinh t\u1ebf) 10-4-2023:<\/em><\/strong><\/p>\n<p><em><a href=\"https:\/\/thanhnien.vn\/bay-ngam-trong-hop-dong-bao-hiem-185230409130051908.htm\">https:\/\/thanhnien.vn\/bay-ngam-trong-hop-dong-bao-hiem-185230409130051908.htm<\/a><\/em><\/p>\n<p><em>(106\/<\/em><em>2.004<\/em><em>) #BHNT #ngoclan<\/em>","protected":false},"excerpt":{"rendered":"<p>&#8216;B\u1eaby ng\u1ea7m&#8217; trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m (TN) &#8211; T\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m ch\u1ec9 n\u00f3i \u0111\u1ebfn s\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c n\u1ebfu t\u1eed vong, kh\u00f4ng n\u00eau r\u00f5 s\u1ea3n ph\u1ea9m ph\u1ee5 \u0111i k\u00e8m&#8230; khi\u1ebfn nhi\u1ec1u kh\u00e1ch h\u00e0ng l\u1ee1 k\u00fd v\u00e0o h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 r\u1ed3i sau \u0111\u00f3 ph\u00e1t hi\u1ec7n m\u00ecnh nh\u01b0 b\u1ecb l\u1eeba. 100 tu\u1ed5i m\u1edbi \u0111\u00e1o h\u1ea1n [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":36594,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[51,36],"class_list":["post-36593","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-bao-hiem","tag-luat-su-ngan-hang"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>4.024. &#039;B\u1eaby ng\u1ea7m&#039; trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"&#039;B\u1eaby ng\u1ea7m&#039; 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