{"id":36632,"date":"2023-04-12T11:40:06","date_gmt":"2023-04-12T04:40:06","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=36632"},"modified":"2024-11-28T15:11:17","modified_gmt":"2024-11-28T08:11:17","slug":"4-029-bao-hiem-nhan-tho-dang-duoc-van-hanh-rat-meo-mo","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-029-bao-hiem-nhan-tho-dang-duoc-van-hanh-rat-meo-mo\/","title":{"rendered":"4.029. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111ang \u0111\u01b0\u1ee3c v\u1eadn h\u00e0nh r\u1ea5t… m\u00e9o m\u00f3"},"content":{"rendered":"

B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111ang \u0111\u01b0\u1ee3c v\u1eadn h\u00e0nh r\u1ea5t… m\u00e9o m\u00f3<\/span><\/h4>\n
(PN) – Sau khi di\u1ec5n vi\u00ean Ng\u1ecdc Lan ph\u00e1t tr\u1ef1c ti\u1ebfp (livestream) tr\u00ean Facebook c\u1ea3nh b\u00e1o v\u1ec1 vi\u1ec7c nh\u00e2n vi\u00ean b\u00e1n b\u1ea3o hi\u1ec3m t\u01b0 v\u1ea5n l\u1eadp l\u1edd, nhi\u1ec1u ng\u01b0\u1eddi m\u1edbi coi l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 ph\u00e1t hi\u1ec7n m\u00ecnh c\u0169ng chung c\u1ea3nh ng\u1ed9.<\/strong><\/h5>\n
Nh\u00e2n vi\u00ean b\u1ea3o hi\u1ec3m t\u01b0 v\u1ea5n sai, k\u00ea khai kh\u1ed1ng<\/strong><\/h5>\n

Ph\u1ea3n \u00e1nh \u0111\u1ebfn B\u00e1o Ph\u1ee5 n\u1eef TPHCM, ch\u1ecb Tuy\u1ebft Mai (huy\u1ec7n C\u1ee7 Chi, TPHCM) k\u1ec3, ch\u1ecb v\u1eeba coi l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd (BHNT) c\u1ee7a c\u00f4ng ty M. v\u00e0 \u0111\u1ed1i chi\u1ebfu v\u1edbi nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c nghe t\u1eeb nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng tr\u01b0\u1edbc \u0111\u00f3, ch\u1ecb th\u1ea5y th\u00f4ng tin t\u01b0 v\u1ea5n l\u1eadp l\u1edd, nhi\u1ec1u n\u1ed9i dung trong h\u1ee3p \u0111\u1ed3ng b\u1ecb nh\u00e2n vi\u00ean t\u1ef1 \u00fd k\u00ea khai sai s\u1ef1 th\u1eadt.<\/p>\n

Ch\u1ecb Mai l\u00e0 kh\u00e1ch h\u00e0ng th\u00e2n thi\u1ebft c\u1ee7a ph\u00f2ng giao d\u1ecbch Ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i c\u1ed5 ph\u1ea7n S\u00e0i G\u00f2n (SCB) chi nh\u00e1nh C\u1ee7 Chi. Nghe nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng t\u01b0 v\u1ea5n s\u1ea3n ph\u1ea9m BHNT li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 (v\u1eeba c\u00f3 y\u1ebfu t\u1ed1 t\u00edch l\u0169y, v\u1eeba \u0111\u1ec1 ph\u00f2ng r\u1ee7i ro) c\u1ee7a c\u00f4ng ty M, l\u00e3i su\u1ea5t 8,5%\/n\u0103m, ch\u1ecb \u0111\u1ed3ng \u00fd tham gia v\u1edbi m\u1ee9c ph\u00ed 50 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m. \u201cT\u00f4i 51 tu\u1ed5i, mu\u1ed1n mua BHNT trong v\u00f2ng 7 n\u0103m \u0111\u1ec3 v\u1eeba \u0111\u1ebfn tu\u1ed5i ngh\u1ec9 h\u01b0u. Nh\u00e2n vi\u00ean n\u00f3i r\u1eb1ng, t\u1edbi n\u0103m th\u1ee9 t\u00e1m, t\u00f4i c\u00f3 th\u1ec3 r\u00fat \u0111\u01b0\u1ee3c to\u00e0n b\u1ed9 500 tri\u1ec7u \u0111\u1ed3ng n\u1ebfu kh\u00f4ng vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng. T\u1eeb n\u0103m th\u1ee9 nh\u1ea5t \u0111\u1ebfn n\u0103m th\u1ee9 b\u1ea3y, n\u1ebfu t\u00f4i x\u1ea3y ra tai n\u1ea1n, t\u1eed vong th\u00ec con t\u00f4i s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng to\u00e0n b\u1ed9 500 tri\u1ec7u \u0111\u1ed3ng n\u00e0y\u201d – ch\u1ecb Mai k\u1ec3.<\/p>\n

\"B\u1ea3o

M\u1ed9t nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m ghi ch\u00fa r\u1eb1ng kh\u00e1ch c\u00f3 th\u1ec3 r\u00fat b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd sau 5 n\u0103m nh\u01b0ng th\u1ef1c t\u1ebf th\u00ec kh\u00f4ng gi\u1ed1ng nh\u01b0 nh\u00e2n vi\u00ean n\u00e0y n\u00f3i – \u1ea2nh: \u0110\u1ed9c gi\u1ea3 cung c\u1ea5p<\/p><\/div>\n

Nh\u01b0ng m\u1edbi \u0111\u00e2y, ch\u1ecb Mai \u0111\u1ebfn ph\u00f2ng giao d\u1ecbch SCB h\u1ecfi l\u1ea1i th\u00ec \u0111\u01b0\u1ee3c gi\u1ea3i th\u00edch: n\u1ebfu r\u00fat ti\u1ec1n \u1edf n\u0103m th\u1ee9 t\u00e1m l\u00e0 vi ph\u1ea1m h\u1ee3p \u0111\u1ed3ng v\u00e0 kh\u00f4ng th\u1ec3 r\u00fat \u0111\u01b0\u1ee3c 350 tri\u1ec7u \u0111\u1ed3ng \u0111\u00e3 \u0111\u00f3ng trong 7 n\u0103m. L\u00fac n\u00e0y, \u0111\u1ecdc k\u1ef9 l\u1ea1i h\u1ee3p \u0111\u1ed3ng, ch\u1ecb m\u1edbi bi\u1ebft, c\u00f3 nhi\u1ec1u th\u00f4ng tin \u0111\u00e3 b\u1ecb nh\u00e2n vi\u00ean ghi kh\u1ed1ng. Cha m\u1eb9 ch\u1ecb Mai \u0111ang m\u1eafc nhi\u1ec1u b\u1ec7nh m\u00e3n t\u00ednh v\u1ec1 huy\u1ebft \u00e1p, tim m\u1ea1ch, gan, th\u1eadn. L\u00fac t\u01b0 v\u1ea5n cho ch\u1ecb, nh\u00e2n vi\u00ean kh\u00f4ng h\u1ecfi g\u00ec v\u1ec1 s\u1ee9c kh\u1ecfe c\u1ee7a cha m\u1eb9 ch\u1ecb nh\u01b0ng v\u1eabn ghi trong h\u1ee3p \u0111\u1ed3ng l\u00e0 s\u1ee9c kh\u1ecfe t\u1ed1t. Ch\u1ecb Mai c\u00f3 t\u1ed5ng thu nh\u1eadp 8 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng nh\u01b0ng nh\u00e2n vi\u00ean k\u00ea kh\u1ed1ng l\u00ean th\u00e0nh 30 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng. Ch\u1ecb c\u00f3 u\u1ed1ng r\u01b0\u1ee3u bia khi \u0111i \u0111\u00e1m ti\u1ec7c nh\u01b0ng nh\u00e2n vi\u00ean ghi l\u00e0 kh\u00f4ng s\u1eed d\u1ee5ng r\u01b0\u1ee3u bia. Nh\u00e2n vi\u00ean c\u0169ng kh\u00f4ng cho ch\u1ecb Mai bi\u1ebft r\u1eb1ng ch\u1ecb c\u00f3 21 ng\u00e0y \u0111\u1ec3 tham kh\u1ea3o v\u00e0 c\u00f3 quy\u1ec1n h\u1ee7y h\u1ee3p \u0111\u1ed3ng. H\u1ee3p \u0111\u1ed3ng g\u1eedi v\u1ec1 nh\u00e0 ch\u1ecb Mai c\u0169ng r\u1ea5t tr\u1ec5, sau 15 ng\u00e0y k\u1ec3 t\u1eeb ng\u00e0y k\u00fd.<\/p>\n

\u201cT\u00f4i \u0111\u00e3 \u0111\u00f3ng BHNT \u0111\u01b0\u1ee3c 100 tri\u1ec7u \u0111\u1ed3ng. Do s\u1ed1 ti\u1ec1n \u0111\u00e3 \u0111\u00f3ng \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 v\u00e0o h\u1ea1ng m\u1ee5c \u0111\u1ea7u t\u01b0 nhi\u1ec1u h\u01a1n l\u00e0 s\u1ee9c kh\u1ecfe n\u00ean khi r\u00fat tr\u01b0\u1edbc h\u1ea1n, t\u00f4i ch\u1ec9 l\u00e3nh \u0111\u01b0\u1ee3c 34 tri\u1ec7u \u0111\u1ed3ng. T\u00f4i c\u00f3 l\u1ed7i l\u00e0 kh\u00f4ng \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u0169ng c\u00f3 l\u1ed7i v\u00ec kh\u00f4ng t\u01b0 v\u1ea5n r\u00f5 quy\u1ec1n l\u1ee3i, r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng. \u0110\u1ec1 ngh\u1ecb c\u01a1 quan thanh tra b\u1ea3o hi\u1ec3m r\u00e0 so\u00e1t l\u1ea1i xem nh\u00e2n vi\u00ean c\u00f4ng ty b\u1ea3o hi\u1ec3m, nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng \u0111\u00e3 t\u01b0 v\u1ea5n \u0111\u00fang v\u00e0 \u0111\u1ee7 theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt hay ch\u01b0a\u201d – ch\u1ecb Mai n\u00eau y\u00eau c\u1ea7u.<\/p>\n

Ch\u1ecb Thi\u00ean Kim (qu\u1eadn 10, TPHCM) cho bi\u1ebft, ch\u1ecb tham gia BHNT c\u1ee7a c\u00f4ng ty M. m\u1ee9c ph\u00ed 60 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m. Trong b\u1ea3n minh h\u1ecda quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n vi\u1ebft tay d\u00f2ng ch\u1eef: \u201cSau 5 n\u0103m, n\u1ebfu r\u00fat h\u1ebft ti\u1ec1n th\u00ec s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c 469.268.000 \u0111\u1ed3ng (ti\u1ec1n g\u1ed1c 300 tri\u1ec7u \u0111\u1ed3ng, c\u00f2n l\u1ea1i l\u00e0 ph\u1ea7n l\u00e3i). T\u1ed1i \u0111a n\u0103m th\u1ee9 n\u0103m, kh\u00e1ch h\u00e0ng r\u00fat 80% v\u00e0 \u0111\u1ec3 l\u1ea1i 20% gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m th\u00ec v\u1eabn \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 t\u1ed1i \u0111a khi h\u1ebft gi\u00e1 tr\u1ecb t\u00e0i kho\u1ea3n h\u1ee3p \u0111\u1ed3ng\u201d.<\/p>\n

Th\u1ebf nh\u01b0ng, nay \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng, ch\u1ecb Kim m\u1edbi bi\u1ebft nh\u00e2n vi\u00ean n\u00e0y \u0111\u00e3 t\u01b0 v\u1ea5n kh\u00f4ng ch\u00ednh x\u00e1c. Trong h\u1ee3p \u0111\u1ed3ng ghi r\u00f5: n\u1ebfu t\u1eeb 1-3 n\u0103m m\u00e0 kh\u00e1ch ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng th\u00ec ph\u00ed ch\u1ea5m d\u1ee9t 100%; t\u1eeb 4-5 n\u0103m m\u00e0 ch\u1ea5m d\u1ee9t th\u00ec ph\u00ed tr\u1eeb l\u00e0 90%; t\u1eeb n\u0103m th\u1ee9 s\u00e1u, ph\u00ed tr\u1eeb 50%; t\u1eeb n\u0103m th\u1ee9 b\u1ea3y, ph\u00ed tr\u1eeb 25%; t\u1eeb n\u0103m th\u1ee9 t\u00e1m, ph\u00ed tr\u1eeb 10%; t\u1eeb n\u0103m th\u1ee9 ch\u00edn, ph\u00ed tr\u1eeb 5%.<\/p>\n

Ch\u1ecb Kim b\u1ea5t b\u00ecnh: \u201cR\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi b\u1ecb t\u01b0 v\u1ea5n sai ch\u1ed7 th\u1eddi h\u1ea1n ch\u1ea5m d\u1ee9t h\u1ee3p \u0111\u1ed3ng. C\u00f3 kh\u00e1ch c\u00f2n \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n r\u1eb1ng, ch\u1ec9 sau 2 n\u0103m l\u00e0 \u0111\u01b0\u1ee3c r\u00fat 100% gi\u00e1 tr\u1ecb h\u1ee3p \u0111\u1ed3ng n\u1ebfu \u0111\u00f3ng m\u1ee9c ph\u00ed cao (tr\u00ean 100 tri\u1ec7u \u0111\u1ed3ng\/n\u0103m). Sau \u0111\u00f3, h\u1ecd m\u1edbi bi\u1ebft l\u00e0 kh\u00f4ng th\u1ec3 ch\u1ea5m d\u1ee9t tr\u01b0\u1edbc h\u1ea1n, nh\u01b0ng do kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng \u0111\u00f3ng ti\u1ebfp trong c\u00e1c n\u0103m ti\u1ebfp theo n\u00ean \u0111\u00e0nh ch\u1ea5p nh\u1eadn m\u1ea5t h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng\u201d.<\/p>\n

M\u1ed9t s\u1ed1 b\u1ea1n \u0111\u1ecdc cho bi\u1ebft, h\u1ecd c\u00f2n ph\u00e1t hi\u1ec7n nhi\u1ec1u n\u1ed9i dung trong h\u1ee3p \u0111\u1ed3ng BHNT b\u1ecb nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n ghi sai th\u1ef1c t\u1ebf, nh\u01b0 thay \u0111\u1ed5i ngh\u1ec1 nghi\u1ec7p ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m, ghi b\u1eeba t\u00ean ng\u01b0\u1eddi th\u1ee5 h\u01b0\u1edfng quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m, ghi sai kinh nghi\u1ec7m \u0111\u1ea7u t\u01b0 (ch\u1ee9ng kho\u00e1n, tr\u00e1i phi\u1ebfu, c\u1ed5 phi\u1ebfu, ngo\u1ea1i t\u1ec7) c\u1ee7a ng\u01b0\u1eddi tham gia. Th\u1eadm ch\u00ed, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n c\u00f2n gi\u1ea3 m\u1ea1o ch\u1eef k\u00fd c\u1ee7a kh\u00e1ch h\u00e0ng trong c\u00e1c h\u1ed3 s\u01a1 nh\u01b0 \u201cb\u1ea3ng ph\u00e2n t\u00edch nhu c\u1ea7u t\u00e0i ch\u00ednh\u201d, \u201cgi\u1ea5y x\u00e1c nh\u1eadn \u0111\u00e3 nh\u1eadn h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m\u201d, \u201cphi\u1ebfu \u0111\u00e1nh gi\u00e1 m\u1ee9c \u0111\u1ed9 ch\u1ea5p nh\u1eadn r\u1ee7i ro\u201d.<\/p>\n

M\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng \u0111ang b\u1ecb c\u00e1c b\u1ec7nh m\u00e3n t\u00ednh nh\u01b0 ti\u1ec3u \u0111\u01b0\u1eddng, huy\u1ebft \u00e1p, tim m\u1ea1ch nh\u01b0ng v\u1eabn \u0111\u01b0\u1ee3c nh\u00e2n vi\u00ean ghi trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m l\u00e0 \u201ckh\u00f4ng c\u00f3 b\u1ec7nh\u201d.<\/p>\n

L\u1ed7i do kh\u00e1ch h\u00e0ng hay c\u00f4ng ty?<\/strong><\/p>\n

Lu\u1eadt s\u01b0 Nguy\u1ec5n Ng\u1ecdc H\u01b0ng – Ph\u00f3 ch\u1ee7 t\u1ecbch Hi\u1ec7p h\u1ed9i Doanh nghi\u1ec7p TPHCM (HUBA) – th\u00f4ng tin, g\u1ea7n \u0111\u00e2y, hi\u1ec7p h\u1ed9i nh\u1eadn \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u ph\u1ea3n \u00e1nh v\u1ec1 vi\u1ec7c kh\u00e1ch \u0111i vay ti\u1ec1n \u1edf ng\u00e2n h\u00e0ng nh\u01b0ng b\u1ecb \u00e9p mua BHNT li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0; \u0111\u1ebfn ng\u00e2n h\u00e0ng g\u1eedi ti\u1ebft ki\u1ec7m nh\u01b0ng b\u1ecb nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng d\u1ee5 mua BHNT.<\/p>\n

Theo \u00f4ng, \u0111a ph\u1ea7n kh\u00e1ch h\u00e0ng ngh\u0129 r\u1eb1ng \u0111\u00f3 l\u00e0 s\u1ea3n ph\u1ea9m \u0111\u1ea7u t\u01b0 sinh l\u1eddi cao ho\u1eb7c l\u00e0 s\u1ea3n ph\u1ea9m c\u1ee7a ng\u00e2n h\u00e0ng ch\u1ee9 kh\u00f4ng bi\u1ebft \u0111\u00f3 l\u00e0 h\u1ee3p \u0111\u1ed3ng mua BHNT. B\u00ean c\u1ea1nh \u0111\u00f3, c\u0169ng c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng \u0111\u1ecdc h\u1ee3p \u0111\u1ed3ng BHNT m\u00e0 tin v\u00e0 mua theo l\u1eddi gi\u1edbi thi\u1ec7u c\u1ee7a ng\u01b0\u1eddi th\u00e2n c\u00f2n ng\u01b0\u1eddi gi\u1edbi thi\u1ec7u \u00e2m th\u1ea7m h\u01b0\u1edfng hoa h\u1ed3ng cao. C\u00e1c t\u01b0 v\u1ea5n vi\u00ean \u0111\u1ec1u kh\u00f4ng gi\u1ea3i th\u00edch \u0111\u00fang theo h\u1ee3p \u0111\u1ed3ng m\u00e0 ch\u1ec9 gi\u1ea3i th\u00edch theo h\u01b0\u1edbng s\u1ea3n ph\u1ea9m s\u1ebd sinh l\u1eddi cao \u0111\u1ec3 thuy\u1ebft ph\u1ee5c kh\u00e1ch mua.<\/p>\n

\u201cH\u01b0\u1edbng gi\u1ea3i quy\u1ebft l\u00e0 kh\u00e1ch ph\u1ea3i ch\u1ea5p nh\u1eadn l\u1ed7 \u0111\u1ec3 r\u00fat tr\u01b0\u1edbc h\u1ea1n ho\u1eb7c ph\u1ea3i ti\u1ebfp t\u1ee5c duy tr\u00ec \u0111\u1ebfn th\u1eddi h\u1ea1n 10 n\u0103m theo quy \u0111\u1ecbnh \u0111\u1ec3 gi\u00e1 tr\u1ecb ho\u00e0n l\u1ea1i t\u01b0\u01a1ng \u0111\u01b0\u01a1ng v\u1edbi s\u1ed1 ph\u00ed \u0111\u00e3 tham gia. Tuy nhi\u00ean, r\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi b\u1ecf lu\u00f4n do kh\u00f4ng \u0111\u1ee7 kh\u1ea3 n\u0103ng duy tr\u00ec vi\u1ec7c \u0111\u00f3ng ph\u00ed\u201d – lu\u1eadt s\u01b0 Nguy\u1ec5n Ng\u1ecdc H\u01b0ng n\u00f3i.<\/p>\n

\u00d4ng Tr\u1ea7n Nguy\u00ean \u0110\u00e1n – gi\u1ea3ng vi\u00ean chuy\u00ean ng\u00e0nh b\u1ea3o hi\u1ec3m v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e0i ch\u00ednh, Tr\u01b0\u1eddng \u0111\u1ea1i h\u1ecdc Kinh t\u1ebf TPHCM – ph\u00e2n t\u00edch, nh\u1eefng l\u1ed7i c\u01a1 b\u1ea3n d\u1eabn \u0111\u1ebfn kh\u00e1ch m\u1ea5t nhi\u1ec1u quy\u1ec1n l\u1ee3i l\u00e0 do kh\u00f4ng c\u00f3 th\u00f3i quen \u0111\u1ecdc h\u1ee3p \u0111\u1ed3ng – k\u1ec3 c\u1ea3 h\u1ee3p \u0111\u1ed3ng vay ng\u00e2n h\u00e0ng – m\u00e0 ch\u1ec9 nghe theo l\u1eddi c\u1ee7a nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n ho\u1eb7c tin t\u01b0\u1edfng th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a c\u00f4ng ty.<\/p>\n

Theo \u00f4ng, BHNT c\u00f3 nhi\u1ec1u lo\u1ea1i. Nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, BHNT tri\u1ec3n khai th\u00eam d\u00f2ng s\u1ea3n ph\u1ea9m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0, g\u1ed3m li\u00ean k\u1ebft chung v\u00e0 li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb. Trong \u0111\u00f3, d\u00f2ng li\u00ean k\u1ebft \u0111\u01a1n v\u1ecb m\u00e0 di\u1ec5n vi\u00ean Ng\u1ecdc Lan \u0111ang tham gia \u0111ang r\u1ea5t \u201c\u0103n kh\u00e1ch\u201d tr\u00ean th\u1ecb tr\u01b0\u1eddng do gi\u00fap kh\u00e1ch \u1ee7y th\u00e1c \u0111\u1ea7u t\u01b0 v\u00e0o th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh m\u00e0 kh\u00f4ng c\u1ea7n nhi\u1ec1u ki\u1ebfn th\u1ee9c v\u1ec1 \u0111\u1ea7u t\u01b0 (giao cho c\u00f4ng ty qu\u1ea3n l\u00fd qu\u1ef9 \u0111\u1ea7u t\u01b0).<\/p>\n

Nhi\u1ec1u kh\u00e1ch h\u00e0ng v\u1eabn nh\u1ea7m l\u1eabn r\u1eb1ng BHNT li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 l\u00e0 ch\u1ec9 \u0111\u1ea7u t\u01b0 nh\u01b0ng th\u1ef1c t\u1ebf \u0111\u00f3 l\u00e0 s\u1ea3n ph\u1ea9m BHNT, ngo\u00e0i ph\u1ea7n \u0111\u1ea7u t\u01b0, kh\u00e1ch v\u1eabn ph\u1ea3i \u0111\u00f3ng ph\u00ed h\u1eb1ng n\u0103m \u0111\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng quy\u1ec1n l\u1ee3i v\u1ec1 s\u1ee9c kh\u1ecfe. V\u1edbi s\u1ea3n ph\u1ea9m n\u00e0y, kh\u00e1ch ph\u1ea3i x\u00e1c \u0111\u1ecbnh tham gia v\u1edbi th\u1eddi h\u1ea1n tr\u00ean 10 n\u0103m. Trong v\u00f2ng 4 n\u0103m \u0111\u1ea7u, ph\u00ed b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c ph\u00e2n b\u1ed5 nhi\u1ec1u v\u00e0o c\u00e1c lo\u1ea1i ph\u00ed c\u01a1 b\u1ea3n c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m (ph\u00ed l\u00e0m h\u1ed3 s\u01a1, ph\u00ed duy tr\u00ec h\u1ee3p \u0111\u1ed3ng), ph\u00ed d\u00e0nh cho \u0111\u1ea7u t\u01b0 r\u1ea5t \u00edt n\u00ean kh\u00e1ch mu\u1ed1n r\u00fat tr\u01b0\u1edbc h\u1ea1n th\u00ec s\u1ed1 ti\u1ec1n nh\u1eadn \u0111\u01b0\u1ee3c r\u1ea5t \u00edt.<\/p>\n

\u00d4ng Tr\u1ea7n Nguy\u00ean \u0110\u00e1n l\u01b0u \u00fd: \u201cKh\u00e1ch h\u00e0ng ph\u1ea3i \u0111\u1ecdc k\u1ef9 h\u1ee3p \u0111\u1ed3ng, mu\u1ed1n k\u00fd v\u00e0o ch\u1ed7 n\u00e0o th\u00ec \u0111\u1ecdc k\u1ef9 ch\u1ed7 \u0111\u00f3. \u0110\u1eb7c bi\u1ec7t, ph\u1ea3i ch\u00fa \u00fd v\u00e0o c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb, b\u1ea3ng minh h\u1ecda quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m\u201d. \u00d4ng cho r\u1eb1ng, BHNT \u0111\u00e3 c\u00f3 m\u1eb7t \u1edf Vi\u1ec7t Nam 25 n\u0103m nh\u01b0ng c\u00e1c doanh nghi\u1ec7p BHNT ch\u1ec9 ph\u00e1t tri\u1ec3n theo chi\u1ec1u r\u1ed9ng – t\u1ee9c l\u00e0 gia t\u0103ng doanh s\u1ed1, m\u1edf \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m – ch\u1ee9 kh\u00f4ng ph\u00e1t tri\u1ec3n theo chi\u1ec1u s\u00e2u, d\u1eabn \u0111\u1ebfn kh\u00e1ch h\u00e0ng b\u1ecb m\u1ea5t quy\u1ec1n l\u1ee3i, \u00e1c c\u1ea3m v\u1edbi s\u1ea3n ph\u1ea9m.<\/p>\n

Theo \u00f4ng, BHNT d\u1ea1ng li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 l\u00e0 s\u1ea3n ph\u1ea9m c\u00f3 \u0111\u1ed9 ph\u1ee9c t\u1ea1p cao, \u0111\u00f2i h\u1ecfi nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n ph\u1ea3i c\u00f3 ki\u1ebfn th\u1ee9c t\u00e0i ch\u00ednh, ch\u1ee9ng kho\u00e1n \u0111\u1ec3 c\u00f3 th\u1ec3 d\u1ef1 \u0111o\u00e1n \u0111\u01b0\u1ee3c di\u1ec5n bi\u1ebfn c\u1ee7a th\u1ecb tr\u01b0\u1eddng, gi\u1ea3i th\u00edch cho kh\u00e1ch h\u00e0ng v\u1ec1 r\u1ee7i ro, t\u1ec9 su\u1ea5t sinh l\u1eddi c\u1ee7a s\u1ea3n ph\u1ea9m. Do \u0111\u00f3, kh\u00f4ng ph\u1ea3i t\u01b0 v\u1ea5n vi\u00ean hay \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m n\u00e0o c\u0169ng c\u00f3 th\u1ec3 t\u01b0 v\u1ea5n \u0111\u01b0\u1ee3c. Nh\u01b0ng tr\u00ean th\u1ef1c t\u1ebf, c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh \u0111\u00e0o t\u1ea1o c\u1ee7a c\u00e1c c\u00f4ng ty BHNT hi\u1ec7n nay ch\u1ec9 nghi\u00eang v\u1ec1 k\u1ef9 n\u0103ng b\u00e1n h\u00e0ng v\u00e0 xem nh\u1eb9 ki\u1ebfn th\u1ee9c n\u1ec1n t\u1ea3ng chuy\u00ean s\u00e2u trong l\u0129nh v\u1ef1c t\u00e0i ch\u00ednh, b\u1ea3o hi\u1ec3m.<\/p>\n

\u00d4ng gi\u1ea3i th\u00edch th\u00eam, h\u1ea7u nh\u01b0 kh\u00f4ng c\u00f3 nh\u00e2n vi\u00ean n\u00e0o gi\u1ea3i th\u00edch r\u00f5 r\u1eb1ng, kh\u00e1ch ph\u1ea3i ch\u1ecbu r\u1ee7i ro khi \u1ee7y th\u00e1c \u0111\u1ea7u t\u01b0 th\u00f4ng qua s\u1ea3n ph\u1ea9m BHNT li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0. Do \u0111\u00f3, kh\u00e1ch h\u00e0ng hi\u1ec3u sai r\u1eb1ng s\u1ea3n ph\u1ea9m n\u00e0y ch\u1ec9 c\u00f3 l\u1eddi, kh\u00f4ng c\u00f3 l\u1ed7. Th\u1ef1c t\u1ebf, kh\u00e1ch ch\u1ec9 c\u00f3 l\u1eddi khi c\u00e1c qu\u1ef9 \u0111\u1ea7u t\u01b0 ho\u1ea1t \u0111\u1ed9ng hi\u1ec7u qu\u1ea3, c\u00f2n khi ch\u1ee9ng kho\u00e1n gi\u1ea3m m\u1ea1nh, c\u00e1c qu\u1ef9 c\u0169ng gi\u1ea3m theo th\u00ec kh\u00e1ch r\u00fat ti\u1ec1n s\u1ebd b\u1ecb l\u1ed7 (d\u00f9 \u0111\u00e3 \u0111\u1ebfn h\u1ea1n 10-15 n\u0103m nh\u01b0 h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 k\u00fd). Ch\u00ednh v\u00ec v\u1eady, kh\u00e1ch h\u00e0ng lu\u00f4n c\u1ea3m th\u1ea5y m\u00ecnh b\u1ecb l\u1eeba.<\/p>\n

C\u0169ng theo \u00f4ng Tr\u1ea7n Nguy\u00ean \u0110\u00e1n, \u0111\u1ec3 l\u1ea5y l\u1ea1i ni\u1ec1m tin cho ng\u01b0\u1eddi d\u00e2n v\u1ec1 b\u1ea3o hi\u1ec3m n\u00f3i chung, BHNT n\u00f3i ri\u00eang, c\u1ea7n x\u1eed l\u00fd tri\u1ec7t \u0111\u1ec3 c\u00e1c vi ph\u1ea1m hi\u1ec7n h\u00e0nh. Hi\u1ec7n nay, c\u00e1c ng\u00e2n h\u00e0ng c\u00f3 xu h\u01b0\u1edbng b\u00e1n b\u1ea3o hi\u1ec3m \u0111\u1ed9c quy\u1ec1n, do nh\u1eadn r\u1ea5t nhi\u1ec1u quy\u1ec1n l\u1ee3i t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00ean \u0111\u00e3 \u00e9p c\u1ea5p d\u01b0\u1edbi ch\u1ea1y theo ch\u1ec9 ti\u00eau b\u00e1n b\u1ea3o hi\u1ec3m. C\u00e1c nh\u00e2n vi\u00ean n\u00e0y \u0111\u00e3 t\u1eadn d\u1ee5ng l\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng \u0111\u1ebfn vay ti\u1ec1n ho\u1eb7c g\u1eedi ti\u1ebft ki\u1ec7m ng\u00e2n h\u00e0ng \u0111\u1ec3 g\u1ee3i \u00fd, n\u0103n n\u1ec9, t\u01b0 v\u1ea5n kh\u00f4ng \u0111\u00fang s\u1ef1 th\u1eadt \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau.
\n\u201cC\u00e1i g\u1ed1c c\u1ee7a v\u1ea5n \u0111\u1ec1 l\u00e0 ph\u1ea3i ch\u1ed1ng \u0111\u1ed9c quy\u1ec1n trong ng\u00e2n h\u00e0ng, d\u1eb9p lu\u00f4n ph\u00ed \u201cl\u00f3t tay\u201d n\u00e0y. L\u00e2u nay, \u1edf Vi\u1ec7t Nam, ch\u01b0a c\u00f3 ti\u1ec1n l\u1ec7 l\u00e0 c\u00f4ng ty hay nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n b\u1ecb ph\u1ea1t do b\u00e1n s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m thi\u1ebfu trung th\u1ef1c. \u0110\u00e3 \u0111\u1ebfn l\u00fac c\u1ea7n \u0111\u1eb7t ra m\u1ee9c ph\u1ea1t \u0111\u1ed1i v\u1edbi \u0111\u01a1n v\u1ecb, nh\u00e2n vi\u00ean vi ph\u1ea1m, t\u1eeb \u0111\u00f3 gia t\u0103ng ni\u1ec1m tin c\u1ee7a c\u00f4ng ch\u00fang v\u00e0o ng\u00e0nh b\u1ea3o hi\u1ec3m. C\u1ea7n \u0111\u01b0a ra khung ph\u00e1p l\u00fd \u0111\u1ec3 qu\u1ea3n l\u00fd ch\u1eb7t ch\u1ebd h\u01a1n v\u00e0 y\u00eau c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i b\u00e1m s\u00e1t khung ph\u00e1p l\u00fd \u0111\u00f3\u201d – \u00f4ng Tr\u1ea7n Nguy\u00ean \u0110\u00e1n \u0111\u1ec1 xu\u1ea5t.<\/p>\n

Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m quy \u0111\u1ecbnh, sau khi k\u00fd h\u1ee3p \u0111\u1ed3ng, kh\u00e1ch h\u00e0ng c\u00f3 21 ng\u00e0y c\u00e2n nh\u1eafc. Nh\u01b0ng c\u00e1c \u0111\u1ea1i l\u00fd th\u01b0\u1eddng \u201cgiam\u201d h\u1ee3p \u0111\u1ed3ng \u0111\u1ebfn ng\u00e0y th\u1ee9 21 m\u1edbi giao cho kh\u00e1ch ho\u1eb7c c\u00e1c \u0111\u1ea1i l\u00fd l\u00e9n k\u00edch ho\u1ea1t h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m online \u0111\u1ec3 kh\u00e1ch kh\u00f4ng c\u00f2n quy\u1ec1n h\u1ee7y h\u1ee3p \u0111\u1ed3ng.<\/p>\n\n\n\n
\u0110\u1eebng \u0111\u1ea9y ng\u01b0\u1eddi mua v\u00e0o th\u1ebf kh\u00f3<\/em><\/strong><\/p>\n

C\u00f3 m\u1ed9t th\u1ef1c tr\u1ea1ng l\u00e0 ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m ch\u01b0a nh\u1eadn th\u1ee9c \u0111\u00fang \u0111\u1eafn v\u1ec1 s\u1ea3n ph\u1ea9m, ngh\u0129 r\u1eb1ng \u0111\u00e2y l\u00e0 k\u00eanh \u0111\u1ea7u t\u01b0 n\u00ean s\u1eb5n s\u00e0ng b\u1ecf nhi\u1ec1u ti\u1ec1n. H\u1ecd kh\u00f4ng ch\u00fa \u00fd \u0111i\u1ec1u ki\u1ec7n ti\u00ean quy\u1ebft v\u1ec1 chi tr\u1ea3 b\u1ea3o hi\u1ec3m, kh\u00f4ng hi\u1ec3u v\u1ec1 th\u1eddi gian duy tr\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m n\u00ean c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u01b0\u1ee3c chi tr\u1ea3 nh\u01b0 mong mu\u1ed1n ho\u1eb7c kh\u00f4ng theo \u0111u\u1ed5i \u0111\u01b0\u1ee3c s\u1ea3n ph\u1ea9m n\u00ean m\u1ea5t c\u1ea3 g\u1ed1c l\u1eabn l\u00e3i. L\u1ed7i l\u00e0 do c\u1ea3 hai ph\u00eda, nh\u01b0ng l\u1ed7i ch\u00ednh v\u1eabn l\u00e0 do doanh nghi\u1ec7p thi\u1ebfu b\u00e0i b\u1ea3n, thi\u1ebfu chuy\u00ean nghi\u1ec7p, thi\u1ebfu t\u1eed t\u1ebf, thi\u1ebfu v\u0103n h\u00f3a kinh doanh.\u00a0<\/em><\/p>\n

Kh\u00f4ng c\u00f3 c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0o \u0111\u01b0a ra ch\u1ee7 tr\u01b0\u01a1ng nh\u01b0ng v\u00ec \u0111\u1ed3ng l\u01b0\u01a1ng, hoa h\u1ed3ng l\u1edbn, nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n kh\u00f4ng trung th\u1ef1c v\u1edbi kh\u00e1ch h\u00e0ng, m\u1ed3i ch\u00e0i \u0111\u1ee7 tr\u00f2, kh\u00f4ng n\u00f3i h\u1ebft s\u1ef1 th\u1eadt quan tr\u1ecdng v\u1ec1 tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch s\u1ebd m\u1ea5t ti\u1ec1n, thi\u1ec7t h\u1ea1i. Th\u1eddi gian qua, c\u00f3 nhi\u1ec1u v\u1ee5 tranh ch\u1ea5p h\u1ee3p \u0111\u1ed3ng BHNT m\u00e0 kh\u00e1ch kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i, c\u00e1c c\u00f4ng ty kh\u00f4ng th\u1eadt s\u1ef1 v\u00ec kh\u00e1ch h\u00e0ng, l\u00e0m cho kh\u00e1ch h\u00e0ng m\u1ea5t ni\u1ec1m tin, nh\u1ea7m l\u1eabn. T\u1ea1i sao c\u1ee9 \u0111\u1ec3 kh\u00e1ch h\u00e0ng ngh\u0129 r\u1eb1ng s\u1ea3n ph\u1ea9m kh\u00f4ng \u1ed5n, kh\u00f4ng t\u1ed1t, ph\u1ea3i mua trong t\u00ecnh th\u1ebf b\u1ecb \u00e9p bu\u1ed9c? Sau n\u00e0y, trong h\u1ee3p \u0111\u1ed3ng BHNT, n\u00ean c\u00f3 nh\u1eefng ph\u1ea7n t\u00f3m t\u1eaft \u0111\u1ec3 ng\u01b0\u1eddi mua \u0111\u1ecdc, hi\u1ec3u d\u1ec5 d\u00e0ng, \u0111\u1eebng d\u00f9ng c\u00e2u t\u1eeb \u201cl\u1eaft l\u00e9o\u201d \u0111\u1ec3 \u0111\u1ea9y th\u1ebf kh\u00f3 cho ng\u01b0\u1eddi mua.\u00a0<\/em><\/p>\n

Lu\u1eadt s\u01b0<\/span><\/a> Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n\n\n\n
C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea7n c\u00f4ng khai t\u1ec9 l\u1ec7 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng<\/strong><\/p>\n

Hi\u1ec7n nay, c\u00f3 t\u00ecnh tr\u1ea1ng c\u00e1c ng\u00e2n h\u00e0ng \u00e9p kh\u00e1ch vay mua BHNT ho\u1eb7c kh\u00e1ch \u0111\u1ebfn g\u1eedi ti\u1ec1n ti\u1ebft ki\u1ec7m b\u1ecb nh\u00e2n vi\u00ean ng\u00e2n h\u00e0ng d\u1ee5 mua BHNT. Ng\u00e2n h\u00e0ng Nh\u00e0 n\u01b0\u1edbc, C\u1ee5c Gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m – B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 c\u00f3 v\u0103n b\u1ea3n c\u1ea5m nh\u01b0ng t\u00ecnh tr\u1ea1ng n\u00e0y v\u1eabn x\u1ea3y ra. \u0110a ph\u1ea7n kh\u00e1ch b\u1ecb d\u1ee5, b\u1ecb \u00e9p kh\u00f4ng c\u00f3 nhu c\u1ea7u mua b\u1ea3o hi\u1ec3m n\u00ean h\u1ecd c\u00f3 xu h\u01b0\u1edbng h\u1ee7y h\u1ee3p \u0111\u1ed3ng sau 1-2 n\u0103m do kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng duy tr\u00ec.<\/p>\n

\u0110\u1ec3 d\u1eb9p b\u1ecf t\u00ecnh tr\u1ea1ng n\u00e0y, c\u1ea7n y\u00eau c\u1ea7u c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m c\u00f4ng khai t\u1ec9 l\u1ec7 duy tr\u00ec h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u1edf n\u0103m th\u1ee9 hai v\u00e0 th\u1ee9 ba. N\u1ebfu c\u00f4ng khai s\u1ed1 li\u1ec7u n\u00e0y, kh\u00e1ch h\u00e0ng c\u00f3 th\u00eam k\u00eanh \u0111\u1ec3 tham kh\u1ea3o v\u00e0 bi\u1ebft m\u00ecnh n\u00ean l\u1ef1a ch\u1ecdn s\u1ea3n ph\u1ea9m c\u1ee7a \u0111\u01a1n v\u1ecb n\u00e0o.<\/p>\n

\u00d4ng Ng\u00f4 Trung D\u0169ng – Ph\u00f3 t\u1ed5ng th\u01b0 k\u00fd Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam (IAV)<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

 <\/p>\n\n\n\n
\u0110\u1eebng \u201cm\u1eadp m\u1edd \u0111\u00e1nh l\u1eadn con \u0111en\u201d<\/strong><\/p>\n

Hi\u1ec7n c\u00f3 3 lo\u1ea1i BHNT l\u00e0 c\u00f3 k\u1ef3 h\u1ea1n – t\u1eed k\u1ef3, BHNT tr\u1ecdn \u0111\u1eddi v\u00e0 BHNT tr\u1ecdn \u0111\u1eddi li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0. \u1ede c\u00e1c th\u1ecb tr\u01b0\u1eddng ph\u00e1t tri\u1ec3n, s\u1ea3n ph\u1ea9m BHNT r\u1ea5t r\u00f5 r\u00e0ng, s\u1ea3n ph\u1ea9m chuy\u00ean v\u1ec1 b\u1ea3o v\u1ec7 r\u1ee7i ro s\u1ee9c kh\u1ecfe thu\u1ea7n t\u00fay nh\u01b0 t\u1eed k\u1ef3, tr\u1ecdn \u0111\u1eddi. V\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m kh\u00e1c g\u1eafn k\u00e8m khi mua nh\u00e0, mua xe th\u00ec c\u0169ng chuy\u00ean v\u1ec1 s\u1ee9c kh\u1ecfe.<\/p>\n

V\u1edbi d\u00f2ng b\u1ea3o hi\u1ec3m t\u00edch l\u0169y th\u00ec h\u1ee3p \u0111\u1ed3ng lu\u00f4n cung c\u1ea5p r\u1ea5t r\u00f5 r\u00e0ng th\u1eddi h\u1ea1n s\u1ed1 ti\u1ec1n \u0111\u00f3ng v\u00e0o \u0111\u01b0\u1ee3c t\u00edch l\u0169y, c\u00f3 l\u1ee3i nhu\u1eadn. Kh\u00e1ch c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn r\u00fat ti\u1ec1n khi c\u00f2n s\u1ed1ng ho\u1eb7c gi\u1eef s\u1ed1 ti\u1ec1n n\u00e0y \u0111\u1ebfn khi t\u1eed vong, ng\u01b0\u1eddi th\u00e2n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c ti\u1ec1n BHNT chi tr\u1ea3 v\u00e0 c\u1ea3 s\u1ed1 ti\u1ec1n kh\u00e1ch \u0111\u00e3 \u0111\u1ea7u t\u01b0 su\u1ed1t th\u1eddi gian qua. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u01b0\u1edbc ngo\u00e0i lu\u00f4n c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh m\u1ed9t c\u00e1ch minh b\u1ea1ch \u0111\u1ec3 kh\u00e1ch h\u00e0ng tham kh\u1ea3o, kh\u00f4ng c\u00f3 chuy\u1ec7n \u00e9p kh\u00e1ch ph\u1ea3i mua b\u1ea3o hi\u1ec3m n\u1ebfu kh\u00e1ch kh\u00f4ng c\u00f3 nhu c\u1ea7u, kh\u00e1ch c\u00f3 quy\u1ec1n \u0111\u1ed5i c\u00f4ng ty n\u1ebfu th\u1ea5y d\u1ecbch v\u1ee5 c\u00f4ng ty \u0111\u00f3 kh\u00f4ng t\u1ed1t.<\/p>\n

T\u1ea1i Vi\u1ec7t Nam, s\u1ea3n ph\u1ea9m BHNT li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0 \u0111ang l\u1eb1ng nh\u1eb1ng, 2 s\u1ea3n ph\u1ea9m c\u00f2n l\u1ea1i th\u00ec kh\u00e1 r\u00f5 r\u00e0ng. Th\u1eddi gian qua th\u1ecb tr\u01b0\u1eddng BHNT ph\u00e1t tri\u1ec3n qu\u00e1 nhanh, qu\u00e1 n\u00f3ng n\u00ean \u0111\u00e3 xu\u1ea5t hi\u1ec7n nhi\u1ec1u b\u1ea5t c\u1eadp trong qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5, c\u00f2n nhi\u1ec1u \u201cm\u1eadp m\u1edd \u0111\u00e1nh l\u1eadn con \u0111en\u201d. Nh\u00e2n vi\u00ean b\u1ea3o hi\u1ec3m kh\u00f4ng n\u00f3i r\u00f5 r\u00e0ng ti\u1ec1n t\u00edch l\u0169y l\u00e0 bao nhi\u00eau 1 n\u0103m, khi n\u00e0o \u0111\u01b0\u1ee3c r\u00fat ra. C\u00f3 nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m n\u00f3i v\u1edbi t\u00f4i r\u1eb1ng c\u00f3 th\u1ec3 r\u00fat ti\u1ec1n b\u1ea5t c\u1ee9 l\u00fac n\u00e0o, s\u1ed1 ti\u1ec1n l\u1edbn h\u01a1n c\u1ea3 s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c BHNT chi tr\u1ea3 khi c\u00f3 tai n\u1ea1n, t\u1eed vong. R\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi k\u1ef3 v\u1ecdng \u0111\u1ea7u t\u01b0 v\u00e0o BHNT \u0111\u1ec3 c\u00f3 s\u1ed1 ti\u1ec1n l\u1edbn nh\u01b0ng k\u1ebft qu\u1ea3 kh\u00f4ng nh\u01b0 k\u1ef3 v\u1ecdng.<\/p>\n

C\u00f9ng l\u00e0 huy \u0111\u1ed9ng v\u1ed1n gi\u1ed1ng c\u00e1c ng\u00e2n h\u00e0ng \u0111\u1ec3 \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c t\u00e0i s\u1ea3n r\u1ee7i ro nh\u01b0 tr\u00e1i phi\u1ebfu, c\u1ed5 phi\u1ebfu, ch\u1ee9ng kho\u00e1n\u2026 nh\u01b0ng h\u1ea7u nh\u01b0 r\u1ea5t \u00edt c\u00f4ng ty b\u1ea3o hi\u1ec3m \u1edf Vi\u1ec7t Nam c\u00f4ng b\u1ed1 b\u00e1o c\u00e1o t\u00e0i ch\u00ednh do ph\u00e1p lu\u1eadt ch\u01b0a quy \u0111\u1ecbnh r\u00f5 ch\u1ebf t\u00e0i x\u1eed ph\u1ea1t. V\u1edbi BHNT li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0, l\u1ee3i nhu\u1eadn b\u1ea3o hi\u1ec3m ph\u1ee5 thu\u1ed9c v\u00e0o k\u1ebft qu\u1ea3 kinh doanh c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. Nh\u01b0ng c\u0169ng do kh\u00f4ng c\u00f3 s\u1ef1 minh b\u1ea1ch th\u00f4ng tin t\u00e0i ch\u00ednh n\u00ean nh\u00e0 \u0111\u1ea7u t\u01b0 kh\u00f4ng th\u1ec3 bi\u1ebft h\u1ebft \u0111\u01b0\u1ee3c c\u00e1c r\u1ee7i ro s\u1ebd g\u1eb7p ph\u1ea3i. \u0110\u00e2y l\u00e0 m\u1ed9t l\u1ed7 h\u1ed5ng r\u1ea5t l\u1edbn c\u1ea7n ph\u1ea3i s\u1eeda \u0111\u1ec3 th\u1ecb tr\u01b0\u1eddng \u0111\u01b0\u1ee3c ho\u00e0n thi\u1ec7n v\u00e0 minh b\u1ea1ch h\u01a1n.<\/p>\n

Ti\u1ebfn s\u0129 Nguy\u1ec5n Tr\u00ed Hi\u1ebfu – chuy\u00ean gia t\u00e0i ch\u00ednh ng\u00e2n h\u00e0ng<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Thanh Hoa<\/strong><\/p>\n

—————<\/p>\n

Ph\u1ee5 n\u1eef HCM (Th\u1eddi s\u1ef1) ng\u00e0y 12-4-2023:<\/em><\/strong><\/p>\n

https:\/\/www.phunuonline.com.vn\/bao-hiem-nhan-tho-dang-duoc-van-hanh-rat-meo-mo-a1489340.html<\/a><\/em><\/p>\n

(263\/2.988) #Baohiem #BHNT #NgocLan<\/em>","protected":false},"excerpt":{"rendered":"

B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u0111ang \u0111\u01b0\u1ee3c v\u1eadn h\u00e0nh r\u1ea5t… m\u00e9o m\u00f3 (PN) – Sau khi di\u1ec5n vi\u00ean Ng\u1ecdc Lan ph\u00e1t tr\u1ef1c ti\u1ebfp (livestream) tr\u00ean Facebook c\u1ea3nh b\u00e1o v\u1ec1 vi\u1ec7c nh\u00e2n vi\u00ean b\u00e1n b\u1ea3o hi\u1ec3m t\u01b0 v\u1ea5n l\u1eadp l\u1edd, nhi\u1ec1u ng\u01b0\u1eddi m\u1edbi coi l\u1ea1i h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 ph\u00e1t hi\u1ec7n m\u00ecnh c\u0169ng chung c\u1ea3nh ng\u1ed9. […]<\/p>\n","protected":false},"author":2,"featured_media":36633,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[41],"class_list":["post-36632","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-interviews","category-legal-media","tag-luat-su-chung-khoan"],"acf":[],"yoast_head":"\n4.029. 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