{"id":76453,"date":"2022-08-22T17:51:33","date_gmt":"2022-08-22T17:51:33","guid":{"rendered":"http:\/\/scandinavia.life\/giai-thich-ve-bao-hiem-nha-o-dan-mach-2\/"},"modified":"2024-03-10T20:08:16","modified_gmt":"2024-03-10T20:08:16","slug":"giai-thich-ve-bao-hiem-nha-o-dan-mach-2","status":"publish","type":"post","link":"https:\/\/scandinavia.life\/vi\/giai-thich-ve-bao-hiem-nha-o-dan-mach-2\/","title":{"rendered":"B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf \u0110an M\u1ea1ch gi\u1ea3i th\u00edch"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m nh\u00e0 l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m bao g\u1ed3m nh\u00e0 v\u00e0 \u0111\u1ed3 \u0111\u1ea1c c\u1ee7a b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p h\u01b0 h\u1ecfng ho\u1eb7c tr\u1ed9m c\u1eafp. N\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 b\u1eaft bu\u1ed9c \u0111\u1ec3 c\u00f3 b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf \u0110an M\u1ea1ch, nh\u01b0ng n\u00f3 \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch m\u1ea1nh m\u1ebd.<\/p>\n\n<p class=\"wp-block-paragraph\">C\u00f3 nhi\u1ec1u lo\u1ea1i ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e0 kh\u00e1c nhau c\u00f3 s\u1eb5n, v\u00ec v\u1eady \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i so s\u00e1nh c\u00e1c ch\u00ednh s\u00e1ch kh\u00e1c nhau tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh ch\u00ednh s\u00e1ch n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n.<\/p>\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec1u quan tr\u1ecdng n\u1eefa l\u00e0 ph\u1ea3i \u0111\u1ecdc k\u1ef9 b\u1ea3n in \u0111\u1eb9p \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o b\u1ea1n hi\u1ec3u nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1edfi ch\u00ednh s\u00e1ch c\u1ee7a b\u1ea1n.<\/p>\n\n<h2 class=\"wp-block-heading\">H\u1ea7u h\u1ebft c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf \u0110an M\u1ea1ch<\/h2>\n\n<p class=\"wp-block-paragraph\">Th\u00f4ng th\u01b0\u1eddng, c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf \u0110an M\u1ea1ch c\u00f3 xu h\u01b0\u1edbng cung c\u1ea5p cho ng\u01b0\u1eddi \u0111\u0103ng k\u00fd b\u1ea3o hi\u1ec3m ch\u1ed1ng l\u1ea1i danh s\u00e1ch r\u1ee7i ro sau \u0111\u00e2y. Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p nh\u1ea5t \u0111\u1ecbnh, c\u00e1c r\u1ee7i ro \u0111\u01b0\u1ee3c nh\u00f3m th\u00e0nh c\u00e1c g\u00f3i ri\u00eang l\u1ebb \u0111\u1ec3 d\u1ec5 d\u00e0ng qu\u1ea3n l\u00fd y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. Tr\u00ean th\u1ef1c t\u1ebf, nguy\u00ean t\u1eafc quan t\u00e2m g\u1ea7n g\u0169i trong b\u1ea3o hi\u1ec3m h\u01b0\u1edbng d\u1eabn nh\u00f3m c\u00e1c ch\u00ednh s\u00e1ch nh\u01b0 v\u1eady.<\/p>\n\n<p class=\"wp-block-paragraph\">&#8211; Thi\u1ec7t h\u1ea1i do tai n\u1ea1n \u0111\u1ed1i v\u1edbi ng\u00f4i nh\u00e0 c\u1ee7a b\u1ea1n<\/p>\n\n<p class=\"wp-block-paragraph\">&#8211; Thi\u1ec7t h\u1ea1i do tai n\u1ea1n \u0111\u1ed1i v\u1edbi \u0111\u1ed3 \u0111\u1ea1c c\u1ee7a b\u1ea1n<\/p>\n\n<p class=\"wp-block-paragraph\">&#8211; Thi\u1ec7t h\u1ea1i do ch\u00e1y, kh\u00f3i, n\u01b0\u1edbc<\/p>\n\n<p class=\"wp-block-paragraph\">-S\u1ef1 tr\u1ed9m c\u1eafp<\/p>\n\n<p class=\"wp-block-paragraph\">-Ph\u00e1 ho\u1ea1i<\/p>\n\n<p class=\"wp-block-paragraph\">M\u1ed9t s\u1ed1 ch\u00ednh s\u00e1ch c\u0169ng bao g\u1ed3m c\u00e1c th\u1ea3m h\u1ecda thi\u00ean nhi\u00ean nh\u01b0 b\u00e3o, l\u0169 l\u1ee5t v\u00e0 \u0111\u1ed9ng \u0111\u1ea5t.<\/p>\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i s\u1ed1ng \u1edf \u0110an M\u1ea1ch, b\u1ea1n c\u00f3 th\u1ec3 mu\u1ed1n xem x\u00e9t vi\u1ec7c mua b\u1ea3o hi\u1ec3m nh\u00e0 ngay c\u1ea3 khi kh\u00f4ng b\u1eaft bu\u1ed9c. \u0110i\u1ec1u n\u00e0y l\u00e0 do n\u00f3 c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n y\u00ean t\u00e2m khi bi\u1ebft r\u1eb1ng nh\u00e0 v\u00e0 \u0111\u1ed3 \u0111\u1ea1c c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb h\u01b0 h\u1ecfng ho\u1eb7c tr\u1ed9m c\u1eafp.<\/p>\n\n<h2 class=\"wp-block-heading\">C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e0<\/h2>\n\n<p class=\"wp-block-paragraph\">C\u00f3 hai lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e0 ch\u00ednh \u1edf \u0110an M\u1ea1ch:<\/p>\n\n<p class=\"wp-block-paragraph\">&#8211; B\u1ea3o hi\u1ec3m c\u00f4ng tr\u00ecnh<\/p>\n\n<p class=\"wp-block-paragraph\">&#8211; N\u1ed9i dung b\u1ea3o hi\u1ec3m<\/p>\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m t\u00f2a nh\u00e0 bao g\u1ed3m chi ph\u00ed thi\u1ec7t h\u1ea1i cho ng\u00f4i nh\u00e0 c\u1ee7a b\u1ea1n, trong khi b\u1ea3o hi\u1ec3m n\u1ed9i th\u1ea5t bao g\u1ed3m chi ph\u00ed thi\u1ec7t h\u1ea1i cho \u0111\u1ed3 \u0111\u1ea1c c\u1ee7a b\u1ea1n.<\/p>\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c c\u1ea3 hai lo\u1ea1i b\u1ea3o hi\u1ec3m c\u00f9ng nhau trong m\u1ed9t ch\u00ednh s\u00e1ch ho\u1eb7c b\u1ea1n c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c ch\u00fang m\u1ed9t c\u00e1ch ri\u00eang bi\u1ec7t.<\/p>\n\n<h3 class=\"wp-block-heading\">N\u1ed9i dung b\u1ea3o hi\u1ec3m<\/h3>\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n thu\u00ea nh\u00e0 c\u1ee7a b\u1ea1n, b\u1ea3o hi\u1ec3m n\u1ed9i dung l\u00e0 ph\u1ea3i. \u0110i\u1ec1u n\u00e0y l\u00e0 do b\u1ea3o hi\u1ec3m c\u1ee7a ch\u1ee7 nh\u00e0 s\u1ebd kh\u00f4ng bao g\u1ed3m b\u1ea5t k\u1ef3 thi\u1ec7t h\u1ea1i n\u00e0o \u0111\u1ed1i v\u1edbi \u0111\u1ed3 \u0111\u1ea1c c\u1ee7a b\u1ea1n.<\/p>\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n s\u1edf h\u1eefu nh\u00e0 c\u1ee7a b\u1ea1n, b\u1ea3o hi\u1ec3m n\u1ed9i th\u1ea5t l\u00e0 kh\u00f4ng b\u1eaft bu\u1ed9c, nh\u01b0ng n\u00f3 r\u1ea5t \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch.<\/p>\n\n<p class=\"wp-block-paragraph\">M\u1ed9t \u0111i\u1ec1u c\u1ea7n l\u01b0u \u00fd khi xem x\u00e9t b\u1ea3o hi\u1ec3m n\u1ed9i dung l\u00e0 n\u00f3 ch\u1ec9 bao g\u1ed3m gi\u00e1 tr\u1ecb thay th\u1ebf \u0111\u1ed3 \u0111\u1ea1c c\u1ee7a b\u1ea1n, kh\u00f4ng ph\u1ea3i gi\u00e1 tr\u1ecb t\u00ecnh c\u1ea3m. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 n\u1ebfu b\u1ea1n c\u00f3 b\u1ea5t k\u1ef3 m\u1eb7t h\u00e0ng n\u00e0o c\u00f3 gi\u00e1 tr\u1ecb v\u00ec l\u00fd do t\u00ecnh c\u1ea3m, b\u1ea1n c\u00f3 th\u1ec3 mu\u1ed1n xem x\u00e9t vi\u1ec7c th\u1ea9m \u0111\u1ecbnh v\u00e0 b\u1ea3o hi\u1ec3m ri\u00eang.<\/p>\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m t\u00f2a nh\u00e0<\/h3>\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n thu\u00ea nh\u00e0, b\u1ea3o hi\u1ec3m t\u00f2a nh\u00e0 l\u00e0 kh\u00f4ng b\u1eaft bu\u1ed9c. Tuy nhi\u00ean, m\u1ed9t s\u1ed1 ch\u1ee7 nh\u00e0 s\u1ebd y\u00eau c\u1ea7u n\u00f3 nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng cho thu\u00ea.<\/p>\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n s\u1edf h\u1eefu nh\u00e0 c\u1ee7a b\u1ea1n, b\u1ea3o hi\u1ec3m t\u00f2a nh\u00e0 l\u00e0 kh\u00f4ng b\u1eaft bu\u1ed9c, nh\u01b0ng n\u00f3 r\u1ea5t \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch.<\/p>\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u0169ng ph\u1ea3i mua b\u1ea3o hi\u1ec3m t\u00f2a nh\u00e0 n\u1ebfu b\u1ea1n c\u00f3 th\u1ebf ch\u1ea5p nh\u00e0. \u0110i\u1ec1u n\u00e0y l\u00e0 do ng\u01b0\u1eddi cho vay s\u1ebd y\u00eau c\u1ea7u n\u00f3 nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a h\u1ee3p \u0111\u1ed3ng th\u1ebf ch\u1ea5p. Tuy nhi\u00ean, b\u1ea1n c\u00f3 th\u1ec3 ch\u1ecdn b\u1ea5t k\u1ef3 <a href=\"https:\/\/scandinavia.life\/vi\/bao-hiem-o-dan-mach\/\">c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0o b\u1ea1n mu\u1ed1n \u1edf \u0110an M\u1ea1ch<\/a>. V\u00ec v\u1eady, \u0111i\u1ec1u quan tr\u1ecdng l\u00e0 ph\u1ea3i so s\u00e1nh c\u00e1c ch\u00ednh s\u00e1ch kh\u00e1c nhau tr\u01b0\u1edbc khi quy\u1ebft \u0111\u1ecbnh ch\u00ednh s\u00e1ch n\u00e0o ph\u00f9 h\u1ee3p v\u1edbi b\u1ea1n.<\/p>\n\n<h2 class=\"wp-block-heading\">Chi ph\u00ed b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf \u0110an M\u1ea1ch l\u00e0 bao nhi\u00eau?<\/h2>\n\n<p class=\"wp-block-paragraph\">Chi ph\u00ed <a href=\"https:\/\/www.if.dk\/en\/private\/insurances\/bolig\/house-insurance\">b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf \u0110an M\u1ea1ch <\/a>thay \u0111\u1ed5i t\u00f9y thu\u1ed9c v\u00e0o m\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1. M\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn chi ph\u00ed b\u1ea3o hi\u1ec3m bao g\u1ed3m lo\u1ea1i ch\u00ednh s\u00e1ch, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m v\u00e0 kho\u1ea3n kh\u1ea5u tr\u1eeb.<\/p>\n\n<p class=\"wp-block-paragraph\">Chi ph\u00ed trung b\u00ecnh c\u1ee7a m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf \u0110an M\u1ea1ch l\u00e0 kho\u1ea3ng 500 kroner m\u1ed7i n\u0103m.<\/p>\n\n<p class=\"wp-block-paragraph\">Nh\u01b0ng b\u1ea1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3m gi\u00e1 ph\u00ed b\u1ea3o hi\u1ec3m n\u1ebfu b\u1ea1n c\u00f3 b\u00e1o \u0111\u1ed9ng ch\u1ed1ng tr\u1ed9m, m\u00e1y d\u00f2 kh\u00f3i ho\u1eb7c c\u00e1c t\u00ednh n\u0103ng b\u1ea3o m\u1eadt kh\u00e1c trong nh\u00e0.<\/p>\n\n<p class=\"wp-block-paragraph\">B\u1ea1n c\u0169ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3m gi\u00e1 n\u1ebfu b\u1ea1n k\u1ebft h\u1ee3p b\u1ea3o hi\u1ec3m nh\u00e0 c\u1ee7a m\u00ecnh v\u1edbi c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c, ch\u1eb3ng h\u1ea1n nh\u01b0 b\u1ea3o hi\u1ec3m xe h\u01a1i.<\/p>\n\n<h2 class=\"wp-block-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf \u0110an M\u1ea1ch<\/h2>\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n l\u00e0 ng\u01b0\u1eddi n\u01b0\u1edbc ngo\u00e0i s\u1ed1ng \u1edf \u0110an M\u1ea1ch, b\u1ea1n c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m nh\u00e0 th\u00f4ng qua m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0110an M\u1ea1ch ho\u1eb7c th\u00f4ng qua m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u01b0\u1edbc ngo\u00e0i.<\/p>\n\n<p class=\"wp-block-paragraph\">N\u1ebfu b\u1ea1n l\u00e0 c\u00f4ng d\u00e2n \u0110an M\u1ea1ch, b\u1ea1n c\u00f3 th\u1ec3 mua b\u1ea3o hi\u1ec3m nh\u00e0 th\u00f4ng qua m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0110an M\u1ea1ch.<\/p>\n\n<h2 class=\"wp-block-heading\">\u0110i\u1ec3m m\u1ea5u ch\u1ed1t v\u1ec1 b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf \u0110an M\u1ea1ch<\/h2>\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m nh\u00e0 kh\u00f4ng b\u1eaft bu\u1ed9c \u1edf \u0110an M\u1ea1ch, nh\u01b0ng n\u00f3 r\u1ea5t \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch. \u0110i\u1ec1u n\u00e0y l\u00e0 do n\u00f3 c\u00f3 th\u1ec3 gi\u00fap b\u1ea1n y\u00ean t\u00e2m khi bi\u1ebft r\u1eb1ng nh\u00e0 v\u00e0 \u0111\u1ed3 \u0111\u1ea1c c\u1ee7a b\u1ea1n \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb h\u01b0 h\u1ecfng ho\u1eb7c tr\u1ed9m c\u1eafp.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m nh\u00e0 l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m bao g\u1ed3m nh\u00e0 v\u00e0 \u0111\u1ed3 \u0111\u1ea1c c\u1ee7a b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p h\u01b0 h\u1ecfng ho\u1eb7c tr\u1ed9m c\u1eafp. N\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 b\u1eaft bu\u1ed9c \u0111\u1ec3 c\u00f3 b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf \u0110an M\u1ea1ch, nh\u01b0ng n\u00f3 \u0111\u01b0\u1ee3c khuy\u1ebfn kh\u00edch m\u1ea1nh m\u1ebd. C\u00f3 nhi\u1ec1u lo\u1ea1i ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m nh\u00e0 kh\u00e1c nhau<\/p>\n","protected":false},"author":1,"featured_media":73773,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[24315,24746,24316],"tags":[38584,26889,38650,31181,38613,38664],"class_list":["post-76453","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cuoc-song","category-dan-mach","category-dong","tag-bao-hiem","tag-bao-hiem-nha-o","tag-bao-hiem-tai-san","tag-cac-cong-ty-bao-hiem","tag-chinh-sach-bao-hiem","tag-phi-bao-hiem"],"_links":{"self":[{"href":"https:\/\/scandinavia.life\/vi\/wp-json\/wp\/v2\/posts\/76453","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/scandinavia.life\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/scandinavia.life\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/vi\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/vi\/wp-json\/wp\/v2\/comments?post=76453"}],"version-history":[{"count":1,"href":"https:\/\/scandinavia.life\/vi\/wp-json\/wp\/v2\/posts\/76453\/revisions"}],"predecessor-version":[{"id":131451,"href":"https:\/\/scandinavia.life\/vi\/wp-json\/wp\/v2\/posts\/76453\/revisions\/131451"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/scandinavia.life\/vi\/wp-json\/wp\/v2\/media\/73773"}],"wp:attachment":[{"href":"https:\/\/scandinavia.life\/vi\/wp-json\/wp\/v2\/media?parent=76453"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/scandinavia.life\/vi\/wp-json\/wp\/v2\/categories?post=76453"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/scandinavia.life\/vi\/wp-json\/wp\/v2\/tags?post=76453"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}