{"id":37899,"date":"2023-09-19T14:02:41","date_gmt":"2023-09-19T07:02:41","guid":{"rendered":"https:\/\/anvilaw.com\/vi\/?p=37899"},"modified":"2024-10-21T14:28:38","modified_gmt":"2024-10-21T07:28:38","slug":"ep-khach-hang-mua-bao-hiem-bi-phat-100-trieu-dong","status":"publish","type":"post","link":"https:\/\/anvilaw.com\/vi\/4-138-ep-khach-hang-mua-bao-hiem-bi-phat-100-trieu-dong\/","title":{"rendered":"4.138. \u00c9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m b\u1ecb ph\u1ea1t 100 tri\u1ec7u \u0111\u1ed3ng"},"content":{"rendered":"

\u00c9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m b\u1ecb ph\u1ea1t 100 tri\u1ec7u \u0111\u1ed3ng<\/span><\/h4>\n
(TN) – Nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n sai, “\u00e9p” kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m s\u1ebd b\u1ecb x\u1eed ph\u1ea1t m\u1ea1nh tay h\u01a1n, theo quy \u0111\u1ecbnh trong d\u1ef1 th\u1ea3o m\u1edbi nh\u1ea5t c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh.<\/strong><\/h5>\n

T\u1ea1i d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u c\u1ee7a Ch\u00ednh ph\u1ee7 quy \u0111\u1ecbnh v\u1ec1 kinh doanh b\u1ea3o hi\u1ec3m (BH), x\u1ed5 s\u1ed1, B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1ec1 xu\u1ea5t t\u0103ng m\u1ee9c x\u1eed ph\u1ea1t \u0111\u1ed1i v\u1edbi h\u00e0nh vi vi ph\u1ea1m quy \u0111\u1ecbnh v\u1ec1 tri\u1ec3n khai\u00a0BH nh\u00e2n th\u1ecd\u00a0v\u00e0 BH s\u1ee9c kh\u1ecfe l\u00ean g\u1ea5p \u0111\u00f4i. C\u1ee5 th\u1ec3, n\u00e2ng m\u1ee9c x\u1eed ph\u1ea1t hi\u1ec7n h\u00e0nh (t\u1eeb 40 – 50 tri\u1ec7u \u0111\u1ed3ng) l\u00ean m\u1ee9c 90 – 100 tri\u1ec7u \u0111\u1ed3ng v\u1edbi nhi\u1ec1u h\u00e0nh vi vi ph\u1ea1m.<\/p>\n

C\u00e1c h\u00e0nh vi vi ph\u1ea1m b\u1ecb ph\u1ea1t trong khung n\u00e0y nh\u01b0 t\u01b0 v\u1ea5n vi\u00ean kh\u00f4ng gi\u1ea3i th\u00edch r\u00f5 r\u00e0ng, \u0111\u1ea7y \u0111\u1ee7 cho ng\u01b0\u1eddi mua v\u1ec1 quy\u1ec1n l\u1ee3i, \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb tr\u00e1ch nhi\u1ec7m, quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a b\u00ean mua khi giao k\u1ebft h\u1ee3p \u0111\u1ed3ng BH; kh\u00f4ng cung c\u1ea5p cho b\u00ean mua b\u1eb1ng ch\u1ee9ng giao k\u1ebft h\u1ee3p \u0111\u1ed3ng BH.<\/p>\n

Ho\u1eb7c c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng \u0111e d\u1ecda, c\u01b0\u1ee1ng \u00e9p giao k\u1ebft h\u1ee3p \u0111\u1ed3ng BH; t\u00e0i li\u1ec7u gi\u1edbi thi\u1ec7u s\u1ea3n ph\u1ea9m kh\u00f4ng ph\u1ea3n \u00e1nh trung th\u1ef1c c\u00e1c th\u00f4ng tin c\u01a1 b\u1ea3n t\u1ea1i quy t\u1eafc, \u0111i\u1ec1u kho\u1ea3n c\u1ee7a s\u1ea3n ph\u1ea9m BH; kh\u00f4ng th\u1ec3 hi\u1ec7n r\u00f5 vi\u1ec7c tham gia\u00a0s\u1ea3n ph\u1ea9m BH\u00a0kh\u00f4ng ph\u1ea3i l\u00e0 y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c \u0111\u1ec3 th\u1ef1c hi\u1ec7n hay h\u01b0\u1edfng m\u1ed9t d\u1ecbch v\u1ee5 n\u00e0o kh\u00e1c c\u1ee7a \u0111\u1ed1i t\u00e1c ph\u00e2n ph\u1ed1i; tri\u1ec3n khai s\u1ea3n ph\u1ea9m BH thu\u1ed9c nghi\u1ec7p v\u1ee5 BH li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0, BH h\u01b0u tr\u00ed, BH s\u1ee9c kh\u1ecfe kh\u00f4ng theo quy \u0111\u1ecbnh\u2026<\/p>\n

\"mua<\/p>\n

C\u1ea7n t\u0103ng m\u1ee9c x\u1eed ph\u1ea1t vi ph\u1ea1m trong ho\u1ea1t \u0111\u1ed9ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/h6>\n

NG\u1eccC TH\u1eaeNG<\/p>\n

Doanh thu ng\u00e0n t\u1ec9, x\u1eed ph\u1ea1t 100 tri\u1ec7u l\u00e0 qu\u00e1 th\u1ea5p<\/h5>\n

Theo TS Tr\u1ea7n Nguy\u00ean \u0110\u00e1n, Tr\u01b0\u1eddng \u0110H Kinh t\u1ebf TP.HCM, m\u1ee9c x\u1eed ph\u1ea1t t\u0103ng l\u00ean kho\u1ea3ng 100 tri\u1ec7u \u0111\u1ed3ng n\u1ebfu vi ph\u1ea1m trong l\u0129nh v\u1ef1c BH l\u00e0 ch\u01b0a \u0111\u1ee7 \u0111\u1ec3 r\u0103n \u0111e, ng\u0103n ng\u1eeba. \u0110\u1eb7c bi\u1ec7t v\u1edbi nh\u1eefng h\u00e0nh \u0111\u1ed9ng nh\u01b0 c\u01b0\u1ee1ng \u00e9p ng\u01b0\u1eddi mua BH; t\u01b0 v\u1ea5n kh\u00f4ng \u0111\u1ea7y \u0111\u1ee7 v\u1ec1 tr\u00e1ch nhi\u1ec7m, quy\u1ec1n v\u00e0 ngh\u0129a v\u1ee5 c\u1ee7a kh\u00e1ch h\u00e0ng khi\u1ebfn h\u1ecd hi\u1ec3u l\u1ea7m b\u1ea3n ch\u1ea5t c\u1ee7a BH. \u0110\u1eb7c bi\u1ec7t, doanh thu t\u1eeb ho\u1ea1t \u0111\u1ed9ng BH c\u00f3 th\u1ec3 l\u00ean h\u00e0ng ng\u00e0n t\u1ec9 \u0111\u1ed3ng m\u1ed7i n\u0103m m\u00e0 c\u00e1c\u00a0doanh nghi\u1ec7p\u00a0nh\u1eadn \u0111\u01b0\u1ee3c th\u00ec m\u1ee9c x\u1eed ph\u1ea1t tr\u00ean qu\u00e1 th\u1ea5p.<\/p>\n

\u0110\u1ed1i v\u1edbi nh\u1eefng h\u00e0nh \u0111\u1ed9ng nh\u01b0 \u00e9p bu\u1ed9c kh\u00e1ch h\u00e0ng tham gia mua BH hay t\u01b0 v\u1ea5n thi\u1ebfu tr\u00e1ch nhi\u1ec7m, ch\u1ec9 \u0111\u01b0a ra quy\u1ec1n l\u1ee3i nhi\u1ec1u h\u01a1n \u0111\u1ec3 “d\u1ee5 d\u1ed7” ng\u01b0\u1eddi mua th\u00ec n\u00ean x\u1eed ph\u1ea1t theo t\u1eebng tr\u01b0\u1eddng h\u1ee3p. \u00d4ng v\u00ed d\u1ee5, n\u1ebfu nh\u01b0 c\u00f3 hi\u1ec7n t\u01b0\u1ee3ng\u00a0“\u00e9p” kh\u00e1ch h\u00e0ng mua BH\u00a0khi c\u00f3 nhi\u1ec1u ph\u1ea3n \u00e1nh, khi\u1ebfu n\u1ea1i th\u00ec ph\u1ea3i x\u00e9t \u0111\u1ebfn c\u1ea3 qu\u00e1 tr\u00ecnh. N\u1ebfu c\u00f3 c\u1ea3 ng\u00e0n tr\u01b0\u1eddng h\u1ee3p nh\u01b0 v\u1eady th\u00ec ph\u1ea3i t\u00ednh l\u00e0 ph\u1ea1t 100 tri\u1ec7u \u0111\u1ed3ng \u0111\u1ed1i v\u1edbi m\u1ed9t h\u1ee3p \u0111\u1ed3ng ch\u1ee9 kh\u00f4ng ph\u1ea3i ch\u1ec9 ph\u1ea1t 100 tri\u1ec7u \u0111\u1ed3ng cho h\u00e0nh vi n\u00e0y v\u00ec c\u00f3 \u0111\u1ebfn c\u1ea3 ng\u00e0n ng\u01b0\u1eddi kh\u00e1c b\u1ecb thi\u1ec7t h\u1ea1i.<\/p>\n

<\/h6>\n

“Nhi\u1ec1u n\u01b0\u1edbc c\u00f3 khung x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh r\u1ea5t n\u1eb7ng li\u00ean quan ho\u1ea1t \u0111\u1ed9ng BH. M\u1ee9c ph\u1ea1t s\u1ebd t\u00ednh theo t\u1ef7 l\u1ec7 doanh thu. Ch\u1eb3ng h\u1ea1n \u1edf Anh c\u0169ng t\u1eebng x\u1ea3y ra v\u1ee5 ki\u1ec7n l\u1edbn nh\u1ea5t l\u00e0 h\u00e0ng tri\u1ec7u kh\u00e1ch h\u00e0ng b\u1ecb b\u00e1n cho c\u00e1c h\u1ee3p \u0111\u1ed3ng BH thanh to\u00e1n m\u00e0 h\u1ecd kh\u00f4ng c\u1ea7n. K\u1ebft qu\u1ea3 l\u00e0 ng\u00e2n h\u00e0ng v\u00e0 c\u00f4ng ty BH li\u00ean quan \u0111\u1ec1u ph\u1ea3i b\u1ed3i th\u01b0\u1eddng nhi\u1ec1u t\u1ec9 b\u1ea3ng Anh. V\u00ec v\u1eady m\u1ee9c ph\u1ea1t trong d\u1ef1 th\u1ea3o do B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1ec1 xu\u1ea5t l\u1ea7n n\u00e0y v\u1eabn c\u00f2n qu\u00e1 th\u1ea5p. V\u1edbi m\u1ee9c l\u1ee3i l\u1edbn h\u1eb1ng n\u0103m th\u00ec c\u00e1c c\u00f4ng ty, \u0111\u1ea1i l\u00fd BH v\u1eabn s\u1eb5n s\u00e0ng r\u00fat s\u1eb5n ti\u1ec1n n\u1ed9p ph\u1ea1t \u0111\u1ec3 th\u1ef1c hi\u1ec7n \u0111\u01b0\u1ee3c vi\u1ec7c b\u00e1n BH m\u00e0 kh\u00f4ng h\u1ec1 lo s\u1ee3 b\u1ecb ph\u1ea1t”, TS Tr\u1ea7n Nguy\u00ean \u0110\u00e1n n\u00f3i.<\/p>\n

Ngh\u0129 \u0111\u1ebfn ph\u1ea1t ph\u1ea3i s\u1ee3, m\u1edbi \u0111\u1ee7 s\u1ee9c r\u0103n \u0111e<\/strong><\/em><\/h5>\n

Lu\u1eadt s\u01b0<\/span><\/a>\u00a0<\/span>Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/a>, Gi\u00e1m \u0111\u1ed1c C\u00f4ng ty Lu\u1eadt<\/a> ANVI<\/a><\/strong>, c\u0169ng \u0111\u00e1nh gi\u00e1 d\u00f9 m\u1ee9c ph\u1ea1t \u0111\u00e3 t\u0103ng g\u1ea5p \u0111\u00f4i so v\u1edbi hi\u1ec7n nay th\u00ec \u0111\u00e2y c\u0169ng l\u00e0 m\u1ee9c ph\u1ea1t qu\u00e1 \u00edt, kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 khi\u1ebfn c\u00e1c c\u00e1 nh\u00e2n hay doanh nghi\u1ec7p s\u1ee3. Trong khi \u1edf nhi\u1ec1u n\u01b0\u1edbc, nguy\u00ean t\u1eafc x\u1eed ph\u1ea1t l\u00e0 ph\u1ea3i l\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 c\u00e1 nh\u00e2n, t\u1ed5 ch\u1ee9c ngh\u0129 \u0111\u1ebfn l\u00e0 s\u1ee3, l\u00e0 c\u00f3 th\u1ec3 t\u00e1n gia b\u1ea1i s\u1ea3n n\u1ebfu vi ph\u1ea1m. \u0110\u1eb7c bi\u1ec7t trong m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c nguy hi\u1ec3m, li\u00ean quan \u0111\u1ebfn t\u00ednh m\u1ea1ng, l\u00f2ng tin nh\u01b0 BH th\u00ec b\u1eaft bu\u1ed9c \u0111\u01a1n v\u1ecb b\u00e1n s\u1ea3n ph\u1ea9m kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p vi ph\u1ea1m. <\/em><\/p>\n

C\u00f3 nh\u1eefng h\u00e0nh vi vi ph\u1ea1m g\u1ea7n \u0111\u00e2y \u0111\u00e3 \u0111\u01b0\u1ee3c t\u0103ng m\u1ee9c ph\u1ea1t l\u00ean cao nh\u01b0 vi ph\u1ea1m trong l\u0129nh v\u1ef1c ng\u00e2n h\u00e0ng, ch\u1ee9ng kho\u00e1n. V\u00ec v\u1eady n\u00ean r\u00e0 so\u00e1t t\u1ed5ng th\u1ec3 c\u00e1c quy \u0111\u1ecbnh li\u00ean quan. Trong \u0111\u00f3, b\u1eaft \u0111\u1ea7u \u0111i\u1ec1u ch\u1ec9nh t\u1eeb lu\u1eadt X\u1eed l\u00fd vi ph\u1ea1m h\u00e0nh ch\u00ednh v\u00e0 n\u00eau r\u00f5 m\u1ee9c x\u1eed ph\u1ea1t c\u1ee7a c\u00e1c ho\u1ea1t \u0111\u1ed9ng c\u1ee5 th\u1ec3, c\u00f3 c\u1ea3 kinh doanh BH.<\/em><\/p>\n

<\/h6>\n

Lu\u1eadt s\u01b0 Tr\u01b0\u01a1ng Thanh \u0110\u1ee9c<\/span><\/a> nh\u1ea5n m\u1ea1nh: X\u1eed ph\u1ea1t ph\u1ea3i theo h\u01b0\u1edbng t\u0103ng cao nh\u01b0 c\u00e1c n\u01b0\u1edbc \u0111\u00e3 \u00e1p d\u1ee5ng. C\u1ee5 th\u1ec3 v\u1edbi l\u0129nh v\u1ef1c BH \u0111\u1ed1i v\u1edbi c\u00e1 nh\u00e2n vi ph\u1ea1m ph\u1ea3i \u1edf m\u1ee9c ti\u1ec1n t\u1ec9 l\u00e0 ph\u1ed5 bi\u1ebfn, v\u1edbi t\u1ed5 ch\u1ee9c c\u0169ng t\u1eeb ti\u1ec1n t\u1ec9 tr\u1edf l\u00ean v\u00e0 t\u1ed1i \u0111a c\u00f3 th\u1ec3 l\u00ean h\u00e0ng tr\u0103m t\u1ec9 \u0111\u1ed3ng. Ch\u1ec9 c\u00f3 ph\u1ea1t n\u1eb7ng m\u1edbi khi\u1ebfn c\u00e1 nh\u00e2n, \u0111\u1ea1i l\u00fd BH kh\u00f4ng d\u00e1m c\u00f3 h\u00e0nh \u0111\u1ed9ng sai ph\u1ea1m hay nh\u1eafm m\u1eaft l\u00e0m ng\u01a1 cho nh\u1eefng h\u00e0nh vi sai tr\u00e1i, \u00e9p kh\u00e1ch h\u00e0ng mua BH nh\u01b0 th\u1eddi gian v\u1eeba qua. <\/em><\/p>\n

B\u00ean c\u1ea1nh \u0111\u00f3, ph\u1ea3i quy \u0111\u1ecbnh r\u00f5 th\u1ea9m quy\u1ec1n x\u1eed ph\u1ea1t c\u1ee7a c\u00e1c c\u01a1 quan li\u00ean quan t\u1eeb \u0111\u1ecba ph\u01b0\u01a1ng l\u00ean B\u1ed9 T\u00e0i ch\u00ednh. \u0110\u1ed3ng th\u1eddi, c\u01a1 quan qu\u1ea3n l\u00fd nh\u00e0 n\u01b0\u1edbc v\u1eabn \u0111\u1ea9y m\u1ea1nh tuy\u00ean truy\u1ec1n cho kh\u00e1ch h\u00e0ng tham gia ho\u1ea1t \u0111\u1ed9ng BH ph\u1ea3i hi\u1ec3u r\u00f5 quy \u0111\u1ecbnh v\u1ec1 quy\u1ec1n l\u1ee3i v\u00e0 tr\u00e1ch nhi\u1ec7m; t\u0103ng c\u01b0\u1eddng thanh tra, x\u1eed ph\u1ea1t.<\/em><\/p>\n

<\/h6>\n

TS Tr\u1ea7n Nguy\u00ean \u0110\u00e1n \u0111\u1ec1 xu\u1ea5t B\u1ed9 T\u00e0i ch\u00ednh n\u00ean quy \u0111\u1ecbnh x\u1eed ph\u1ea1t ch\u1ee7 th\u1ec3 n\u00e0o khi c\u00f3 h\u00e0nh vi vi ph\u1ea1m. V\u00ed d\u1ee5 trong vi\u1ec7c “\u00e9p” kh\u00e1ch h\u00e0ng mua BH, \u1edf \u0111\u00e2y ch\u1ee7 th\u1ec3 b\u1ecb x\u1eed ph\u1ea1t ph\u1ea3i l\u00e0 c\u00e1c c\u00e1 nh\u00e2n, \u0111\u1ea1i l\u00fd l\u1edbn nh\u01b0 ng\u00e2n h\u00e0ng khi x\u1ea3y ra vi ph\u1ea1m. C\u00f4ng ty BH c\u0169ng c\u00f3 th\u1ec3 b\u1ecb ph\u1ea1t li\u00ean \u0111\u1edbi tr\u00e1ch nhi\u1ec7m khi kh\u00f4ng c\u00f3 gi\u00e1m s\u00e1t trong qu\u00e1 tr\u00ecnh kinh doanh. Ngo\u00e0i ra, c\u0169ng c\u1ea7n c\u00f3 th\u00eam quy \u0111\u1ecbnh v\u1ec1 vai tr\u00f2 gi\u00e1m s\u00e1t c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh \u0111\u1ed1i v\u1edbi k\u00eanh \u0111\u1ea1i l\u00fd BH l\u00e0 c\u00e1c ng\u00e2n h\u00e0ng, t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh.<\/p>\n

\u0110\u00e2y l\u00e0 l\u0129nh v\u1ef1c thu\u1ed9c qu\u1ea3n l\u00fd c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh n\u00ean m\u1ecdi \u0111\u1ed1i t\u01b0\u1ee3ng tham gia th\u1ecb tr\u01b0\u1eddng BH \u0111\u1ec1u c\u00f3 th\u1ec3 b\u1ecb thanh tra qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n, tri\u1ec3n khai b\u00e1n s\u1ea3n ph\u1ea9m BH \u0111\u1ec3 b\u1ea3o v\u1ec7 kh\u00e1ch h\u00e0ng. \u0110\u1eb7c bi\u1ec7t sau c\u00e2u chuy\u1ec7n x\u1eed ph\u1ea1t th\u00ec ho\u1ea1t \u0111\u1ed9ng thanh tra, gi\u00e1m s\u00e1t qu\u00e1 tr\u00ecnh th\u1ef1c hi\u1ec7n, tri\u1ec3n khai s\u1ea3n ph\u1ea9m BH c\u0169ng ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u1ea9y m\u1ea1nh h\u01a1n \u0111\u1ec3 h\u1ea1n ch\u1ebf nh\u1eefng h\u00e0nh vi sai tr\u00e1i tr\u00ean th\u1ecb tr\u01b0\u1eddng, l\u1ea5y l\u1ea1i ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi d\u00e2n.<\/p>\n

<\/h6>\n

Ngh\u1ecb quy\u1ebft k\u1ef3 h\u1ecdp th\u1ee9 5 c\u1ee7a Qu\u1ed1c h\u1ed9i kh\u00f3a XV c\u00f4ng b\u1ed1 trong th\u00e1ng 6.2023 n\u00eau r\u00f5 m\u1ed9t trong nh\u1eefng vi\u1ec7c c\u1ea7n l\u00e0m l\u00e0 thanh tra to\u00e0n di\u1ec7n th\u1ecb tr\u01b0\u1eddng BH nh\u00e2n th\u1ecd, t\u1eadp trung v\u00e0o lo\u1ea1i h\u00ecnh BH li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0. N\u0103m 2023, B\u1ed9 T\u00e0i ch\u00ednh x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch thanh tra, ki\u1ec3m tra 10 doanh nghi\u1ec7p BH. Cu\u1ed1i th\u00e1ng 6, B\u1ed9 T\u00e0i ch\u00ednh \u0111\u00e3 c\u00f4ng b\u1ed1 k\u1ebft qu\u1ea3 thanh tra \u0111\u1ed1i v\u1edbi 4 doanh nghi\u1ec7p BH nh\u00e2n th\u1ecd v\u00e0 tri\u1ec3n khai ho\u1ea1t \u0111\u1ed9ng th\u00f4ng qua li\u00ean k\u1ebft v\u1edbi ng\u00e2n h\u00e0ng \u0111\u1ec3 kinh doanh BH nh\u00e2n th\u1ecd v\u1edbi nhi\u1ec1u sai ph\u1ea1m. C\u01a1 quan n\u00e0y cho bi\u1ebft s\u1ebd ti\u1ebfp t\u1ee5c tri\u1ec3n khai x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch thanh tra c\u00e1c doanh nghi\u1ec7p BH c\u0169ng nh\u01b0 x\u00e2y d\u1ef1ng k\u1ebf ho\u1ea1ch thanh tra trong n\u0103m 2024.<\/p>\n

Mai Ph\u01b0\u01a1ng<\/strong><\/p>\n

—————<\/p>\n

Thanh ni\u00ean (Kinh t\u1ebf) ng\u00e0y 19-9-2023:<\/em><\/strong><\/p>\n

https:\/\/thanhnien.vn\/ep-khach-hang-mua-bao-hiem-bi-phat-100-trieu-dong-185230919011427381.htm<\/a> <\/em><\/p>\n

(336\/1.334) #BHNT<\/em>","protected":false},"excerpt":{"rendered":"

\u00c9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m b\u1ecb ph\u1ea1t 100 tri\u1ec7u \u0111\u1ed3ng (TN) – Nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n sai, “\u00e9p” kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m s\u1ebd b\u1ecb x\u1eed ph\u1ea1t m\u1ea1nh tay h\u01a1n, theo quy \u0111\u1ecbnh trong d\u1ef1 th\u1ea3o m\u1edbi nh\u1ea5t c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh. T\u1ea1i d\u1ef1 th\u1ea3o Ngh\u1ecb \u0111\u1ecbnh s\u1eeda \u0111\u1ed5i, b\u1ed5 sung m\u1ed9t s\u1ed1 \u0111i\u1ec1u […]<\/p>\n","protected":false},"author":2,"featured_media":37900,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[27,26],"tags":[51,36],"class_list":["post-37899","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":"\n4.138. \u00c9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m b\u1ecb ph\u1ea1t 100 tri\u1ec7u \u0111\u1ed3ng - ANVI Law Firm<\/title>\n<meta name=\"description\" content=\"Nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n sai, "\u00e9p" kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m s\u1ebd b\u1ecb x\u1eed ph\u1ea1t m\u1ea1nh tay h\u01a1n, theo quy \u0111\u1ecbnh trong d\u1ef1 th\u1ea3o m\u1edbi nh\u1ea5t c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh...\" \/>\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\/en\/tieng-viet-4-138-ep-khach-hang-mua-bao-hiem-bi-phat-100-trieu-dong\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"[:vi]4.138. \u00c9p kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m b\u1ecb ph\u1ea1t 100 tri\u1ec7u \u0111\u1ed3ng[:] - 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