{"id":17421,"date":"2024-05-02T11:00:12","date_gmt":"2024-05-02T04:00:12","guid":{"rendered":"https:\/\/jobsgo.vn\/blog\/?p=17421"},"modified":"2024-05-02T11:01:23","modified_gmt":"2024-05-02T04:01:23","slug":"cac-loai-bao-hiem-bat-buoc","status":"publish","type":"post","link":"https:\/\/jobsgo.vn\/blog\/cac-loai-bao-hiem-bat-buoc\/","title":{"rendered":"C\u00e1c Lo\u1ea1i B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c Cho Ng\u01b0\u1eddi \u0110i L\u00e0m Hi\u1ec7n Nay!"},"content":{"rendered":"\n<div class=\"kk-star-ratings\n     kksr-valign-top     kksr-align-left    \"\n    data-payload=\"{&quot;align&quot;:&quot;left&quot;,&quot;id&quot;:&quot;17421&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;top&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;count&quot;:&quot;0&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;4.5&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;\\u0110\\u00e1nh gi\\u00e1 post&quot;,&quot;legend&quot;:&quot;4.5\\\/5 - (0 votes)&quot;,&quot;size&quot;:&quot;22&quot;,&quot;width&quot;:&quot;119&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;}\">\n    \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 119px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 22px; height: 22px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n    \n<div class=\"kksr-legend\">\n            <span class=\"kksr-muted\">\u0110\u00e1nh gi\u00e1 post<\/span>\n    <\/div>\n<\/div>\n<p><em>\u0110\u1ed1i v\u1edbi b\u1ea5t k\u1ef3 ai \u0111ang ho\u1eb7c chu\u1ea9n b\u1ecb \u0111i l\u00e0m ch\u00ednh th\u1ee9c \u0111\u1ec1u n\u00ean quan t\u00e2m \u0111\u1ebfn <\/em><a href=\"https:\/\/jobsgo.vn\/blog\/cac-loai-bao-hiem-bat-buoc\/#c\u00e1c_lo\u1ea1i_b\u1ea3o_hi\u1ec3m_b\u1eaft_bu\u1ed9c\" target=\"_blank\" rel=\"noopener\"><strong><em>c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c<\/em><\/strong><\/a><em>. B\u1ea1n c\u00f3 th\u1ec3 t\u1ef1 mua v\u00e0 t\u1ef1 \u0111\u00f3ng b\u1ea3o hi\u1ec3m ho\u1eb7c doanh nghi\u1ec7p s\u1ebd gi\u00fap b\u1ea1n th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7. \u0110\u1ec3 b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i c\u1ee7a b\u1ea3n th\u00e2n, h\u00e3y t\u00ecm hi\u1ec3u c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m trong b\u00e0i vi\u1ebft d\u01b0\u1edbi \u0111\u00e2y.<\/em><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">M\u1ee5c l\u1ee5c<\/p><ul class=\"toc_list\"><li><a href=\"#1_Bao_Hiem_Bat_Buoc_La_Gi\">1. B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c L\u00e0 G\u00ec?<\/a><\/li><li><a href=\"#2_Cac_Loai_Bao_Hiem_Bat_Buoc_Hien_Nay\">2. C\u00e1c Lo\u1ea1i B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c Hi\u1ec7n Nay<\/a><ul><li><a href=\"#21_Bao_Hiem_Y_Te\">2.1 B\u1ea3o Hi\u1ec3m Y T\u1ebf<\/a><ul><li><a href=\"#211_Bao_Hiem_Y_Te_La_Gi\">2.1.1 B\u1ea3o Hi\u1ec3m Y T\u1ebf L\u00e0 G\u00ec?<\/a><\/li><li><a href=\"#212_Muc_Dong_Bao_Hiem_Y_Te\">2.1.2 M\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Y T\u1ebf<\/a><\/li><li><a href=\"#213_Phuong_Thuc_Dong_Bao_Hiem_Y_Te\">2.1.3 Ph\u01b0\u01a1ng Th\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Y T\u1ebf<\/a><\/li><\/ul><\/li><li><a href=\"#22_Bao_Hiem_Xa_Hoi_Bat_Buoc\">2.2 B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i B\u1eaft Bu\u1ed9c<\/a><ul><li><a href=\"#221_Bao_Hiem_Xa_Hoi_Bat_Buoc_La_Gi\">2.2.1 B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i B\u1eaft Bu\u1ed9c L\u00e0 G\u00ec?<\/a><\/li><li><a href=\"#222_Muc_Dong_Bao_Hiem_Xa_Hoi_Bat_Buoc\">2.2.2 M\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i B\u1eaft Bu\u1ed9c<\/a><\/li><li><a href=\"#223_Phuong_Thuc_Dong_Bao_Hiem_Xa_Hoi_Bat_Buoc\">2.2.3 Ph\u01b0\u01a1ng Th\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i B\u1eaft Bu\u1ed9c<\/a><\/li><\/ul><\/li><li><a href=\"#23_Bao_Hiem_That_Nghiep\">2.3 B\u1ea3o Hi\u1ec3m Th\u1ea5t Nghi\u1ec7p\u00a0<\/a><ul><li><a href=\"#231_Bao_Hiem_That_Nghiep_La_Gi\">2.3.1 B\u1ea3o Hi\u1ec3m Th\u1ea5t Nghi\u1ec7p L\u00e0 G\u00ec?<\/a><\/li><li><a href=\"#232_Muc_Dong_Bao_Hiem_That_Nghiep\">2.3.2 M\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Th\u1ea5t Nghi\u1ec7p<\/a><\/li><li><a href=\"#233_Phuong_Thuc_Dong_Bao_Hiem_That_Nghiep\">2.3.3 Ph\u01b0\u01a1ng Th\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Th\u1ea5t Nghi\u1ec7p<\/a><\/li><\/ul><\/li><li><a href=\"#24_Bao_Hiem_Tai_Nan_Lao_Dong_Benh_Nghe_Nghiep\">2.4 B\u1ea3o Hi\u1ec3m Tai N\u1ea1n Lao \u0110\u1ed9ng, B\u1ec7nh Ngh\u1ec1 Nghi\u1ec7p<\/a><ul><li><a href=\"#241_Bao_Hiem_Tai_Nan_Lao_Dong_Benh_Nghe_Nghiep_La_Gi\">2.4.1 B\u1ea3o Hi\u1ec3m Tai N\u1ea1n Lao \u0110\u1ed9ng, B\u1ec7nh Ngh\u1ec1 Nghi\u1ec7p L\u00e0 G\u00ec?<\/a><\/li><li><a href=\"#242_Muc_Dong_Bao_Hiem_Tai_Nan_Lao_Dong_Benh_Nghe_Nghiep\">2.4.2 M\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Tai N\u1ea1n Lao \u0110\u1ed9ng, B\u1ec7nh Ngh\u1ec1 Nghi\u1ec7p<\/a><\/li><li><a href=\"#243_Phuong_Thuc_Dong_Bao_Hiem_Tai_Nan\">2.4.3 Ph\u01b0\u01a1ng Th\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Tai N\u1ea1n<\/a><\/li><\/ul><\/li><li><a href=\"#25_Bao_Hiem_Trach_Nhiem_Dan_Su_Xe_Co_Gioi\">2.5 B\u1ea3o Hi\u1ec3m Tr\u00e1ch Nhi\u1ec7m D\u00e2n S\u1ef1 Xe C\u01a1 Gi\u1edbi<\/a><ul><li><a href=\"#251_Bao_Hiem_Trach_Nhiem_Dan_Su_Xe_Co_Gioi_La_Gi\">2.5.1 B\u1ea3o Hi\u1ec3m Tr\u00e1ch Nhi\u1ec7m D\u00e2n S\u1ef1 Xe C\u01a1 Gi\u1edbi L\u00e0 G\u00ec?<\/a><\/li><li><a href=\"#252_Muc_Dong_Bao_Hiem_Trach_Nhiem_Dan_Su_Xe_Co_Gioi\">2.5.2 M\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Tr\u00e1ch Nhi\u1ec7m D\u00e2n S\u1ef1 Xe C\u01a1 Gi\u1edbi<\/a><\/li><li><a href=\"#253_Phuong_Thuc_Dong_Bao_Hiem_Trach_Nhiem_Dan_Su_Xe_Co_Gioi\">2.5.3 Ph\u01b0\u01a1ng Th\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Tr\u00e1ch Nhi\u1ec7m D\u00e2n S\u1ef1 Xe C\u01a1 Gi\u1edbi<\/a><\/li><\/ul><\/li><\/ul><\/li><li><a href=\"#3_Doi_Tuong_Tham_Gia_Bao_Hiem_Bat_Buoc\">3. \u0110\u1ed1i T\u01b0\u1ee3ng Tham Gia B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c<\/a><\/li><\/ul><\/div>\n<h2><span id=\"1_Bao_Hiem_Bat_Buoc_La_Gi\"><strong>1. B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c L\u00e0 G\u00ec?<\/strong><\/span><\/h2>\n<figure id=\"attachment_66783\" aria-describedby=\"caption-attachment-66783\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"wp-image-66783 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-17-1.jpg\" alt=\"C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c hi\u1ec7n nay cho ng\u01b0\u1eddi \u0111i l\u00e0m\" width=\"800\" height=\"450\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-17-1.jpg 800w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-17-1-300x169.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-17-1-150x84.jpg 150w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-17-1-768x432.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-66783\" class=\"wp-caption-text\"><center><em>C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c hi\u1ec7n nay cho ng\u01b0\u1eddi \u0111i l\u00e0m<\/em><center><\/center><\/center><\/figcaption><\/figure>\n<blockquote id=\"c\u00e1c_lo\u1ea1i_b\u1ea3o_hi\u1ec3m_b\u1eaft_bu\u1ed9c_cho_xe_\u00f4_t\u00f4\" cite=\"https:\/\/jobsgo.vn\/blog\/cac-loai-bao-hiem-bat-buoc\/#cac_loai_bao_hiem_bat_buoc_trong_doanh_nghiep\"><p>B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c \u0111i\u1ec1u ki\u1ec7n, m\u1ee9c ph\u00ed, s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m t\u1ed1i thi\u1ec3u m\u00e0 ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m ph\u1ea3i th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. Th\u00f4ng th\u01b0\u1eddng, b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c ch\u1ec9 \u00e1p d\u1ee5ng v\u1edbi 1 s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u1ea5t \u0111\u1ecbnh. \u0110i\u1ec1u n\u00e0y \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o an to\u00e0n x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o v\u1ec7 l\u1ee3i \u00edch cho c\u1ed9ng \u0111\u1ed3ng.<\/p><\/blockquote>\n<p>\u0110\u1eb7c bi\u1ec7t v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng, c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m khi \u0111i l\u00e0m l\u00e0 v\u00f4 c\u00f9ng c\u1ea7n thi\u1ebft. B\u1ea3n th\u00e2n doanh nghi\u1ec7p c\u0169ng c\u00f3 tr\u00e1ch nhi\u1ec7m ho\u00e0n th\u00e0nh \u0111\u1ea7y \u0111\u1ee7 b\u1ea3o hi\u1ec3m cho nh\u00e2n vi\u00ean. Hi\u1ec7n nay, c\u00f3 th\u1ec3 li\u1ec7t k\u00ea 4 lo\u1ea1i <strong><a href=\"https:\/\/jobsgo.vn\/blog\/bao-hiem-la-gi-cac-loai-bao-hiem-pho-bien\/\" target=\"_blank\" rel=\"noopener\">b\u1ea3o hi\u1ec3m<\/a><\/strong> b\u1eaft bu\u1ed9c m\u00e0 b\u1ea1n ph\u1ea3i \u0111\u00f3ng khi \u0111i l\u00e0m.<\/p>\n<h2><span id=\"2_Cac_Loai_Bao_Hiem_Bat_Buoc_Hien_Nay\"><strong>2. C\u00e1c Lo\u1ea1i B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c Hi\u1ec7n Nay<\/strong><\/span><\/h2>\n<p>Hi\u1ec7n nay, Ph\u00e1p lu\u1eadt c\u00f3 quy \u0111\u1ecbnh m\u1ed9t s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c m\u00e0 ng\u01b0\u1eddi d\u00e2n v\u00e0 doanh nghi\u1ec7p ph\u1ea3i tham gia:<\/p>\n<ul>\n<li aria-level=\"1\">B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/li>\n<li aria-level=\"1\">B\u1ea3o hi\u1ec3m y t\u1ebf<\/li>\n<li aria-level=\"1\">B\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p<\/li>\n<li aria-level=\"1\">B\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng, b\u1ec7nh ngh\u1ec1 nghi\u1ec7p<\/li>\n<\/ul>\n<p>M\u1ed7i lo\u1ea1i b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 m\u1ee9c \u0111\u00f3ng c\u0169ng nh\u01b0 m\u1ee9c chi tr\u1ea3 nh\u1ea5t \u0111\u1ecbnh cho c\u00e1c tr\u01b0\u1eddng h\u1ee3p kh\u00e1c nhau.<\/p>\n<h3><span id=\"21_Bao_Hiem_Y_Te\"><strong>2.1 B\u1ea3o Hi\u1ec3m Y T\u1ebf<\/strong><\/span><\/h3>\n<h4><span id=\"211_Bao_Hiem_Y_Te_La_Gi\"><strong>2.1.1 B\u1ea3o Hi\u1ec3m Y T\u1ebf L\u00e0 G\u00ec?<\/strong><\/span><\/h4>\n<p>B\u1ea3o hi\u1ec3m y t\u1ebf (BHYT) do Nh\u00e0 n\u01b0\u1edbc t\u1ed5 ch\u1ee9c v\u00e0 qu\u1ea3n l\u00fd nh\u1eb1m t\u1ea1o m\u1ed9t ngu\u1ed3n qu\u1ef9 chung \u0111\u1ec3 chi tr\u1ea3 l\u00fac c\u1ea7n thi\u1ebft cho ng\u01b0\u1eddi d\u00e2n. C\u00f3 t\u00ednh ch\u1ea5t t\u01b0\u01a1ng t\u1ef1 nh\u01b0 b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i, tuy nhi\u00ean \u0111\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m v\u1ec1 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe. Ng\u01b0\u1eddi tham gia s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m chi tr\u1ea3 to\u00e0n b\u1ed9 ho\u1eb7c m\u1ed9t ph\u1ea7n chi ph\u00ed khi kh\u00e1m ch\u1eefa b\u1ec7nh.<\/p>\n<p>Theo quy \u0111\u1ecbnh, b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f3 hai lo\u1ea1i l\u00e0: b\u1eaft bu\u1ed9c v\u00e0 t\u1ef1 nguy\u1ec7n. \u0110\u1ed1i v\u1edbi c\u00e1n b\u1ed9 c\u00f4ng nh\u00e2n vi\u00ean ch\u1ee9c, t\u1ed5 ch\u1ee9c h\u01b0\u1edfng l\u01b0\u01a1ng t\u1eeb Nh\u00e0 n\u01b0\u1edbc, doanh nghi\u1ec7p vi\u1ec7c \u0111\u00f3ng l\u00e0 b\u1eaft bu\u1ed9c. \u0110\u1eb7c bi\u1ec7t, ng\u01b0\u1eddi lao \u0111\u1ed9ng s\u1ebd \u0111\u01b0\u1ee3c doanh nghi\u1ec7p \u0111\u1ee9ng ra tr\u1ea3 \u2154 chi ph\u00ed b\u1ea3o hi\u1ec3m y t\u1ebf b\u1eaft bu\u1ed9c.<\/p>\n<h4><span id=\"212_Muc_Dong_Bao_Hiem_Y_Te\"><strong>2.1.2 M\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Y T\u1ebf<\/strong><\/span><\/h4>\n<figure id=\"attachment_66784\" aria-describedby=\"caption-attachment-66784\" style=\"width: 564px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"wp-image-66784 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-18.jpg\" alt=\"B\u1ea3o hi\u1ec3m y t\u1ebf gi\u00fap chi tr\u1ea3 chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh\" width=\"564\" height=\"421\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-18.jpg 564w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-18-300x224.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-18-150x112.jpg 150w\" sizes=\"(max-width: 564px) 100vw, 564px\" \/><figcaption id=\"caption-attachment-66784\" class=\"wp-caption-text\"><center><em>B\u1ea3o hi\u1ec3m y t\u1ebf gi\u00fap chi tr\u1ea3 chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh<\/em><center><\/center><\/center><\/figcaption><\/figure>\n<p>M\u1ee9c \u0111\u00f3ng <strong><a href=\"https:\/\/jobsgo.vn\/blog\/bao-hiem-y-te-la-gi-quyen-loi-tai-sao-nen-mua-bao-hiem-y-te\/\" target=\"_blank\" rel=\"noopener\">b\u1ea3o hi\u1ec3m y t\u1ebf<\/a><\/strong> ph\u1ee5 thu\u1ed9c v\u00e0o nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u00f3ng v\u00e0 m\u1ee9c l\u01b0\u01a1ng hi\u1ec7n t\u1ea1i c\u1ee7a h\u1ecd.<\/p>\n<ul>\n<li aria-level=\"1\">Ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 s\u1eed d\u1ee5ng lao \u0111\u1ed9ng, nh\u00f3m do Q\u0169y B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i \u0111\u00f3ng v\u00e0 nh\u00f3m do Ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc \u0111\u00f3ng: S\u1ebd t\u00ednh l\u00e0 4,5% ti\u1ec1n l\u01b0\u01a1ng h\u00e0ng th\u00e1ng.<\/li>\n<li aria-level=\"1\">Nh\u00f3m h\u1ed9 gia \u0111\u00ecnh: 4,5% ti\u1ec1n l\u01b0\u01a1ng \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi th\u1ee9 nh\u1ea5t, ng\u01b0\u1eddi th\u1ee9 hai, ba, t\u01b0 \u0111\u00f3ng so v\u1edbi ng\u01b0\u1eddi th\u1ee9 nh\u1ea5t l\u00e0 70%, 60%, 50%. T\u1eeb ng\u01b0\u1eddi th\u1ee9 n\u0103m s\u1ebd \u0111\u00f3ng m\u1ee9c b\u1ea3o hi\u1ec3m y t\u1ebf b\u1eb1ng 40% ng\u01b0\u1eddi th\u1ee9 nh\u1ea5t.<\/li>\n<li aria-level=\"1\">Nh\u00f3m do Ng\u00e2n s\u00e1ch Nh\u00e0 n\u01b0\u1edbc \u0111\u00f3ng: \u0110\u1ed1i t\u01b0\u1ee3ng l\u00e0 h\u1ed9 gia \u0111\u00ecnh c\u1eadn ngh\u00e8o s\u1ebd c\u00f3 m\u1ee9c h\u1ed7 tr\u1ee3 \u00edt nh\u1ea5t l\u00e0 70% l\u01b0\u01a1ng c\u01a1 s\u1edf.<\/li>\n<\/ul>\n<h4><span id=\"213_Phuong_Thuc_Dong_Bao_Hiem_Y_Te\"><strong>2.1.3 Ph\u01b0\u01a1ng Th\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Y T\u1ebf<\/strong><\/span><\/h4>\n<p>Hi\u1ec7n nay, c\u00f3 c\u00e1c ph\u01b0\u01a1ng th\u1ee9c \u0111\u00f3ng b\u1ea3o hi\u1ec3m y t\u1ebf nh\u01b0 sau:<\/p>\n<ul>\n<li aria-level=\"1\">\u0110\u00f3ng h\u00e0ng th\u00e1ng: Ti\u1ec1n BHYT \u0111\u01b0\u1ee3c tr\u00edch t\u1eeb qu\u1ef9 ti\u1ec1n l\u01b0\u01a1ng h\u00e0ng th\u00e1ng c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 m\u1ee9c \u0111\u00f3ng c\u1ee7a doanh nghi\u1ec7p \u0111\u1ed1i v\u1edbi m\u1ed7i lao \u0111\u1ed9ng. Kho\u1ea3n ti\u1ec1n n\u00e0y \u0111\u01b0\u1ee3c chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n chuy\u00ean thu c\u1ee7a c\u01a1 quan BHYT ho\u1eb7c chuy\u1ec3n v\u00e0o Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc.<\/li>\n<li aria-level=\"1\">\u0110\u00f3ng 3 th\u00e1ng ho\u1eb7c 6 th\u00e1ng 1 l\u1ea7n: Ph\u01b0\u01a1ng th\u1ee9c \u0111\u00f3ng BHYT n\u00e0y \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng v\u1edbi c\u00e1c \u0111\u01a1n v\u1ecb doanh nghi\u1ec7p, h\u1ee3p t\u00e1c x\u00e3, h\u1ed9 kinh doanh c\u00e1 th\u1ec3\u2026 V\u1edbi ph\u01b0\u01a1ng th\u1ee9c n\u00e0y, doanh nghi\u1ec7p ph\u1ea3i n\u1ed9p ti\u1ec1n v\u00e0o qu\u1ef9 BHYT ch\u1eadm nh\u1ea5t \u0111\u1ebfn ng\u00e0y cu\u1ed1i c\u00f9ng c\u1ee7a th\u1eddi h\u1ea1n \u0111\u00f3ng.<\/li>\n<li aria-level=\"1\">\u0110\u00f3ng theo \u0111\u1ecba b\u00e0n: Tr\u1ee5 s\u1edf ho\u1eb7c chi nh\u00e1nh doanh nghi\u1ec7p \u0111\u1eb7t \u1edf \u0111\u00e2u th\u00ec \u0111\u00f3ng t\u1ea1i \u0111\u1ecba b\u00e0n t\u1ec9nh \u0111\u00f3.<\/li>\n<\/ul>\n<h3><span id=\"22_Bao_Hiem_Xa_Hoi_Bat_Buoc\"><strong>2.2 B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i B\u1eaft Bu\u1ed9c<\/strong><\/span><\/h3>\n<h4><span id=\"221_Bao_Hiem_Xa_Hoi_Bat_Buoc_La_Gi\"><strong>2.2.1 B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i B\u1eaft Bu\u1ed9c L\u00e0 G\u00ec?<\/strong><\/span><\/h4>\n<p>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c l\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng m\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 doanh nghi\u1ec7p ph\u1ea3i tham gia v\u00e0 \u0111\u00f3ng c\u00e1c kho\u1ea3n ti\u1ec1n b\u1ea3o hi\u1ec3m theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. H\u1ec7 th\u1ed1ng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c th\u01b0\u1eddng \u0111\u01b0\u1ee3c quy \u0111\u1ecbnh v\u00e0 qu\u1ea3n l\u00fd b\u1edfi ch\u00ednh ph\u1ee7 ho\u1eb7c c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n c\u1ee7a m\u1ed7i qu\u1ed1c gia. C\u00e1c kho\u1ea3n ti\u1ec1n b\u1ea3o hi\u1ec3m \u0111\u00f3ng g\u00f3p \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5 v\u00e0 kho\u1ea3n tr\u1ee3 c\u1ea5p nh\u01b0 ti\u1ec1n l\u01b0\u01a1ng khi m\u1ea5t vi\u1ec7c l\u00e0m, chi ph\u00ed y t\u1ebf ho\u1eb7c ti\u1ec1n h\u01b0u tr\u00ed cho ng\u01b0\u1eddi lao \u0111\u1ed9ng.<\/p>\n<figure id=\"attachment_66785\" aria-describedby=\"caption-attachment-66785\" style=\"width: 563px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"wp-image-66785 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-19.jpg\" alt=\"B\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t m\u1ee9c h\u1ed7 tr\u1ee3 h\u00e0ng th\u00e1ng sau khi ngh\u1ec9 h\u01b0u\" width=\"563\" height=\"421\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-19.jpg 563w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-19-300x224.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-19-150x112.jpg 150w\" sizes=\"(max-width: 563px) 100vw, 563px\" \/><figcaption id=\"caption-attachment-66785\" class=\"wp-caption-text\"><center><em>B\u1ea1n s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t m\u1ee9c h\u1ed7 tr\u1ee3 h\u00e0ng th\u00e1ng sau khi ngh\u1ec9 h\u01b0u<\/em><center><\/center><\/center><\/figcaption><\/figure>\n<p>Hi\u1ec7n nay, <strong><a href=\"https:\/\/jobsgo.vn\/blog\/bao-hiem-xa-hoi-la-gi-nhung-dieu-can-biet-ve-bao-hiem-xa-hoi\/\" target=\"_blank\" rel=\"noopener\">b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i<\/a><\/strong> \u0111\u01b0\u1ee3c chia l\u00e0m 3 lo\u1ea1i ch\u00ednh l\u00e0:<\/p>\n<p><strong>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c:<\/strong> Bu\u1ed9c m\u1ecdi ng\u01b0\u1eddi v\u00e0 doanh nghi\u1ec7p \u0111\u1ec1u ph\u1ea3i tham gia, ng\u01b0\u1eddi tham gia \u0111\u01b0\u1ee3c h\u01b0\u1edfng theo c\u00e1c ch\u1ebf \u0111\u1ed9:<\/p>\n<ul>\n<li aria-level=\"1\">B\u1ec7nh t\u1eadt<\/li>\n<li aria-level=\"1\">Thai s\u1ea3n<\/li>\n<li aria-level=\"1\">Tai n\u1ea1n lao \u0111\u1ed9ng, b\u1ec7nh ngh\u1ec1 nghi\u1ec7p<\/li>\n<li aria-level=\"1\">Ngh\u1ec9 h\u01b0u<\/li>\n<li aria-level=\"1\">Qua \u0111\u1eddi<\/li>\n<\/ul>\n<p><strong>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i h\u01b0u tr\u00ed b\u1ed5 sung:<\/strong> \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m mang t\u00ednh b\u1ed5 sung cho tr\u01b0\u1eddng h\u1ee3p ngh\u1ec9 h\u01b0u trong b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c. Ng\u01b0\u1eddi tham gia s\u1ebd \u0111\u1ea7u t\u01b0 v\u00e0 t\u00edch l\u0169y nh\u01b0 m\u1ed9t t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed c\u00e1 nh\u00e2n.<\/p>\n<h4><span id=\"222_Muc_Dong_Bao_Hiem_Xa_Hoi_Bat_Buoc\"><strong>2.2.2 M\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i B\u1eaft Bu\u1ed9c<\/strong><\/span><\/h4>\n<p>M\u1ee9c \u0111\u00f3ng BHXH b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng hi\u1ec7n nay l\u00e0 32%, trong \u0111\u00f3:<\/p>\n<ul>\n<li aria-level=\"1\">\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng: 10,5% ti\u1ec1n l\u01b0\u01a1ng th\u00e1ng<\/li>\n<li aria-level=\"1\">\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng: 21,5% ti\u1ec1n l\u01b0\u01a1ng th\u00e1ng<\/li>\n<\/ul>\n<h4><span id=\"223_Phuong_Thuc_Dong_Bao_Hiem_Xa_Hoi_Bat_Buoc\"><strong>2.2.3 Ph\u01b0\u01a1ng Th\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i B\u1eaft Bu\u1ed9c<\/strong><\/span><\/h4>\n<p>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c c\u00f3 th\u1ec3 \u0111\u00f3ng theo 3 ph\u01b0\u01a1ng th\u1ee9c sau::<\/p>\n<ul>\n<li aria-level=\"1\">\u0110\u00f3ng h\u00e0ng th\u00e1ng: Tr\u00edch t\u1eeb ti\u1ec1n l\u01b0\u01a1ng v\u00e0 chuy\u1ec3n v\u00e0o t\u00e0i kho\u1ea3n chuy\u00ean thu c\u1ee7a c\u01a1 quan BHXH m\u1edf t\u1ea1i ng\u00e2n h\u00e0ng ho\u1eb7c Kho b\u1ea1c Nh\u00e0 n\u01b0\u1edbc..<\/li>\n<li aria-level=\"1\">\u0110\u00f3ng 3 th\u00e1ng ho\u1eb7c 6 th\u00e1ng 1 l\u1ea7n: Th\u1eddi h\u1ea1n mu\u1ed9n nh\u1ea5t l\u00e0 ng\u00e0y cu\u1ed1i c\u00f9ng c\u1ee7a ph\u01b0\u01a1ng th\u1ee9c \u0111\u00f3ng..<\/li>\n<li aria-level=\"1\">\u0110\u00f3ng theo \u0111\u1ecba b\u00e0n: Tr\u1ee5 s\u1edf ho\u1eb7c chi nh\u00e1nh doanh nghi\u1ec7p \u0111\u1eb7t \u1edf \u0111\u00e2u th\u00ec \u0111\u00f3ng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c t\u1ea1i \u0111\u1ecba b\u00e0n t\u1ec9nh \u0111\u00f3.<\/li>\n<\/ul>\n<h3><span id=\"23_Bao_Hiem_That_Nghiep\"><strong>2.3 B\u1ea3o Hi\u1ec3m Th\u1ea5t Nghi\u1ec7p\u00a0<\/strong><\/span><\/h3>\n<h4><span id=\"231_Bao_Hiem_That_Nghiep_La_Gi\"><strong>2.3.1 B\u1ea3o Hi\u1ec3m Th\u1ea5t Nghi\u1ec7p L\u00e0 G\u00ec?<\/strong><\/span><\/h4>\n<p>Trong b\u1ed1i c\u1ea3nh t\u00ecnh h\u00ecnh hi\u1ec7n nay b\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p mang l\u1ea1i nhi\u1ec1u s\u1ef1 an t\u00e2m cho ng\u01b0\u1eddi lao \u0111\u1ed9ng. Khi tham gia, ng\u01b0\u1eddi d\u00e2n s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ed9t ph\u1ea7n h\u1ed7 tr\u1ee3 trong tr\u01b0\u1eddng h\u1ee3p m\u1ea5t vi\u1ec7c, th\u1ea5t nghi\u1ec7p. T\u1eeb \u0111\u00f3 gi\u00fap duy tr\u00ec m\u1ee9c s\u1ed1ng \u1ed5n \u0111\u1ecbnh \u0111\u1ebfn khi t\u00ecm \u0111\u01b0\u1ee3c vi\u1ec7c l\u00e0m m\u1edbi cho ng\u01b0\u1eddi tham gia.<\/p>\n<p>Ng\u01b0\u1eddi lao \u0111\u1ed9ng b\u1eaft bu\u1ed9c ph\u1ea3i tham gia lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y. Ngo\u1ea1i tr\u1eeb nh\u1eefng ng\u01b0\u1eddi \u0111ang \u0111i l\u00e0m h\u01b0\u1edfng l\u01b0\u01a1ng ho\u1eb7c c\u00f3 thu nh\u1eadp t\u1eeb c\u00f4ng vi\u1ec7c kh\u00e1c.<\/p>\n<h4><span id=\"232_Muc_Dong_Bao_Hiem_That_Nghiep\"><strong>2.3.2 M\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Th\u1ea5t Nghi\u1ec7p<\/strong><\/span><\/h4>\n<ul>\n<li aria-level=\"1\">\u0110\u1ed1i v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng s\u1ebd ph\u1ea3i \u0111\u00f3ng 1% l\u01b0\u01a1ng h\u00e0ng th\u00e1ng.<\/li>\n<li aria-level=\"1\">\u0110\u1ed1i v\u1edbi t\u1ed5 ch\u1ee9c s\u1eed d\u1ee5ng lao \u0111\u1ed9ng s\u1ebd ph\u1ea3i \u0111\u00f3ng 1% qu\u1ef9 l\u01b0\u01a1ng h\u00e0ng th\u00e1ng.<\/li>\n<\/ul>\n<p>Trong tr\u01b0\u1eddng h\u1ee3p th\u1ea5t nghi\u1ec7p, ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 h\u00e0ng th\u00e1ng l\u00e0 m\u1ee9c l\u01b0\u01a1ng b\u00ecnh qu\u00e2n 6 th\u00e1ng tr\u01b0\u1edbc \u0111\u00f3 x 60% (con s\u1ed1 n\u00e0y th\u1ea5p h\u01a1n 5 l\u1ea7n m\u1ee9c l\u01b0\u01a1ng c\u01a1 s\u1edf).<\/p>\n<h4><span id=\"233_Phuong_Thuc_Dong_Bao_Hiem_That_Nghiep\"><strong>2.3.3 Ph\u01b0\u01a1ng Th\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Th\u1ea5t Nghi\u1ec7p<\/strong><\/span><\/h4>\n<p>B\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p l\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c n\u00ean ph\u01b0\u01a1ng th\u1ee9c \u0111\u00f3ng gi\u1ed1ng v\u1edbi b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c, c\u1ee5 th\u1ec3 l\u00e0:<\/p>\n<ul>\n<li aria-level=\"1\">\u0110\u00f3ng h\u00e0ng th\u00e1ng<\/li>\n<li aria-level=\"1\">\u0110\u00f3ng 03 th\u00e1ng ho\u1eb7c 06 th\u00e1ng<\/li>\n<li aria-level=\"1\">\u0110\u00f3ng theo \u0111\u1ecba b\u00e0n<\/li>\n<\/ul>\n<h3><span id=\"24_Bao_Hiem_Tai_Nan_Lao_Dong_Benh_Nghe_Nghiep\"><strong>2.4 B\u1ea3o Hi\u1ec3m Tai N\u1ea1n Lao \u0110\u1ed9ng, B\u1ec7nh Ngh\u1ec1 Nghi\u1ec7p<\/strong><\/span><\/h3>\n<h4><span id=\"241_Bao_Hiem_Tai_Nan_Lao_Dong_Benh_Nghe_Nghiep_La_Gi\"><strong>2.4.1 B\u1ea3o Hi\u1ec3m Tai N\u1ea1n Lao \u0110\u1ed9ng, B\u1ec7nh Ngh\u1ec1 Nghi\u1ec7p L\u00e0 G\u00ec?<\/strong><\/span><\/h4>\n<figure id=\"attachment_66787\" aria-describedby=\"caption-attachment-66787\" style=\"width: 563px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" class=\"wp-image-66787 size-full\" src=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-20.jpg\" alt=\"B\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng gi\u00fap b\u1ea3o v\u1ec7 b\u1ea1n trong qu\u00e1 tr\u00ecnh l\u00e0m vi\u1ec7c\" width=\"563\" height=\"464\" srcset=\"https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-20.jpg 563w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-20-300x247.jpg 300w, https:\/\/media-blog.jobsgo.vn\/blog\/wp-content\/uploads\/2021\/07\/unnamed-20-150x124.jpg 150w\" sizes=\"(max-width: 563px) 100vw, 563px\" \/><figcaption id=\"caption-attachment-66787\" class=\"wp-caption-text\"><center><em>B\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng gi\u00fap b\u1ea3o v\u1ec7 b\u1ea1n trong qu\u00e1 tr\u00ecnh l\u00e0m vi\u1ec7c<\/em><center><\/center><\/center><\/figcaption><\/figure>\n<p>B\u1ea3o hi\u1ec3m n\u00e0y \u0111\u00f3ng vai tr\u00f2 quan tr\u1ecdng trong s\u1ed1 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c trong doanh nghi\u1ec7p. \u0110\u1eb7c bi\u1ec7t v\u1edbi nhi\u1ec1u ng\u00e0nh ngh\u1ec1 nguy hi\u1ec3m, r\u1ee7i ro. B\u1ea3o hi\u1ec3m s\u1ebd gi\u00fap b\u00f9 \u0111\u1eafp m\u1ed9t ph\u1ea7n kh\u00f3 kh\u0103n cho ng\u01b0\u1eddi lao \u0111\u1ed9ng khi x\u1ea3y ra tai n\u1ea1n kh\u00f4ng mong mu\u1ed1n. B\u00ean c\u1ea1nh \u0111\u00f3 t\u1ea1o m\u1ed9t ngu\u1ed3n qu\u1ef9 v\u00e0o c\u00e1c ho\u1ea1t \u0111\u1ed9ng ph\u00f2ng tr\u00e1nh tai n\u1ea1n lao \u0111\u1ed9ng.<\/p>\n<p>C\u00f3 2 nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng l\u1edbn b\u1eaft bu\u1ed9c ph\u1ea3i tham gia b\u1ea3o hi\u1ec3m n\u00e0y:<\/p>\n<ul>\n<li aria-level=\"1\">L\u01b0\u1ee3ng l\u1ef1c ng\u01b0\u1eddi lao \u0111\u1ed9ng, c\u00e1n b\u1ed9 c\u00f4ng nh\u00e2n vi\u00ean ch\u1ee9c.<\/li>\n<li aria-level=\"1\">Doanh nghi\u1ec7p s\u1eed d\u1ee5ng lao \u0111\u1ed9ng.<\/li>\n<\/ul>\n<p><strong>Xem th\u00eam: <\/strong><a href=\"https:\/\/jobsgo.vn\/blog\/bao-hiem-xa-hoi-va-bao-hiem-that-nghiep\/\" target=\"_blank\" rel=\"noopener\"><strong>B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i v\u00e0 b\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p c\u00f3 g\u00ec kh\u00e1c bi\u1ec7t?<\/strong><\/a><\/p>\n<h4><span id=\"242_Muc_Dong_Bao_Hiem_Tai_Nan_Lao_Dong_Benh_Nghe_Nghiep\"><strong>2.4.2 M\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Tai N\u1ea1n Lao \u0110\u1ed9ng, B\u1ec7nh Ngh\u1ec1 Nghi\u1ec7p<\/strong><\/span><\/h4>\n<p>D\u1ef1a v\u00e0o ti\u1ec1n l\u01b0\u01a1ng th\u00e1ng \u0111\u00f3ng BHXH s\u1ebd x\u00e1c \u0111\u1ecbnh \u0111\u01b0\u1ee3c m\u1ee9c c\u1ea7n \u0111\u00f3ng cho lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y. Trong h\u1ea7u h\u1ebft tr\u01b0\u1eddng h\u1ee3p, ng\u01b0\u1eddi lao \u0111\u1ed9ng s\u1ebd ph\u1ea3i \u0111\u00f3ng 0,5% m\u1ee9c ti\u1ec1n l\u01b0\u01a1ng tr\u00ean.<\/p>\n<h4><span id=\"243_Phuong_Thuc_Dong_Bao_Hiem_Tai_Nan\"><strong>2.4.3 Ph\u01b0\u01a1ng Th\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Tai N\u1ea1n<\/strong><\/span><\/h4>\n<p>L\u00e0 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m n\u1eb1m trong b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c n\u00ean ph\u01b0\u01a1ng th\u1ee9c \u0111\u00f3ng b\u1ea3o hi\u1ec3m tai n\u1ea1n lao \u0111\u1ed9ng c\u0169ng gi\u1ed1ng v\u1edbi ph\u01b0\u01a1ng th\u1ee9c \u0111\u00f3ng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c.<\/p>\n<ul>\n<li aria-level=\"1\">\u0110\u00f3ng h\u00e0ng th\u00e1ng<\/li>\n<li aria-level=\"1\">\u0110\u00f3ng 03 ho\u1eb7c 06 th\u00e1ng 1 l\u1ea7n<\/li>\n<li aria-level=\"1\">\u0110\u00f3ng theo \u0111\u1ecba b\u00e0n<\/li>\n<\/ul>\n<h3><span id=\"25_Bao_Hiem_Trach_Nhiem_Dan_Su_Xe_Co_Gioi\"><strong>2.5 B\u1ea3o Hi\u1ec3m Tr\u00e1ch Nhi\u1ec7m D\u00e2n S\u1ef1 Xe C\u01a1 Gi\u1edbi<\/strong><\/span><\/h3>\n<h4><span id=\"251_Bao_Hiem_Trach_Nhiem_Dan_Su_Xe_Co_Gioi_La_Gi\"><strong>2.5.1 B\u1ea3o Hi\u1ec3m Tr\u00e1ch Nhi\u1ec7m D\u00e2n S\u1ef1 Xe C\u01a1 Gi\u1edbi L\u00e0 G\u00ec?<\/strong><\/span><\/h4>\n<p>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe c\u01a1 gi\u1edbi l\u00e0 m\u1ed9t trong c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c cho xe \u00f4 t\u00f4, xe m\u00e1y, xe bu\u00fdt, xe t\u1ea3i\u2026 theo quy \u0111\u1ecbnh c\u1ee7a ph\u00e1p lu\u1eadt. B\u1ea3o hi\u1ec3m n\u00e0y b\u1ea3o v\u1ec7 ch\u1ee7 xe c\u01a1 gi\u1edbi kh\u1ecfi c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn vi\u1ec7c g\u00e2y ra thi\u1ec7t h\u1ea1i cho ng\u01b0\u1eddi kh\u00e1c ho\u1eb7c t\u00e0i s\u1ea3n c\u1ee7a ng\u01b0\u1eddi kh\u00e1c trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n giao th\u00f4ng m\u00e0 ch\u1ee7 xe c\u01a1 gi\u1edbi g\u00e2y ra.<\/p>\n<p>C\u1ee5 th\u1ec3, b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe c\u01a1 gi\u1edbi bao g\u1ed3m c\u00e1c kho\u1ea3n b\u1ed3i th\u01b0\u1eddng cho c\u00e1c t\u1ed5n th\u1ea5t v\u1ec1 t\u00e0i s\u1ea3n ho\u1eb7c th\u01b0\u01a1ng t\u00edch c\u1ee7a b\u00ean th\u1ee9 ba do tai n\u1ea1n giao th\u00f4ng m\u00e0 ch\u1ee7 xe g\u00e2y ra. \u0110i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 bao g\u1ed3m s\u1eeda ch\u1eefa ho\u1eb7c thay th\u1ebf t\u00e0i s\u1ea3n b\u1ecb h\u1ecfng, chi ph\u00ed y t\u1ebf cho ng\u01b0\u1eddi b\u1ecb th\u01b0\u01a1ng, chi ph\u00ed ph\u00e1p l\u00fd v\u00e0 b\u1ed3i th\u01b0\u1eddng cho m\u1ea5t m\u00e1t thu nh\u1eadp ho\u1eb7c thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n c\u1ee7a b\u00ean b\u1ecb \u1ea3nh h\u01b0\u1edfng.<\/p>\n<h4><span id=\"252_Muc_Dong_Bao_Hiem_Trach_Nhiem_Dan_Su_Xe_Co_Gioi\"><strong>2.5.2 M\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Tr\u00e1ch Nhi\u1ec7m D\u00e2n S\u1ef1 Xe C\u01a1 Gi\u1edbi<\/strong><\/span><\/h4>\n<p>M\u1ee9c \u0111\u00f3ng \u0111\u1ed1i v\u1edbi lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y kh\u00e1 th\u1ea5p:<\/p>\n<ul>\n<li aria-level=\"1\">Xe m\u00e1y: 60.000 VN\u0110<\/li>\n<li aria-level=\"1\">Xe \u00f4 t\u00f4: 200.000 VN\u0110<\/li>\n<\/ul>\n<h4><span id=\"253_Phuong_Thuc_Dong_Bao_Hiem_Trach_Nhiem_Dan_Su_Xe_Co_Gioi\"><strong>2.5.3 Ph\u01b0\u01a1ng Th\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m Tr\u00e1ch Nhi\u1ec7m D\u00e2n S\u1ef1 Xe C\u01a1 Gi\u1edbi<\/strong><\/span><\/h4>\n<p>\u0110\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe c\u01a1 gi\u1edbi th\u00ec b\u1ea1n c\u00f3 th\u1ec3 mua t\u1ea1i c\u00e1c \u0111\u01a1n v\u1ecb b\u1ea3o hi\u1ec3m v\u00e0 thanh to\u00e1n ti\u1ec1n tr\u1ef1c ti\u1ebfp khi mua.<\/p>\n<h2><span id=\"3_Doi_Tuong_Tham_Gia_Bao_Hiem_Bat_Buoc\"><strong>3. \u0110\u1ed1i T\u01b0\u1ee3ng Tham Gia B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c<\/strong><\/span><\/h2>\n<p>Theo \u0110i\u1ec1u 2, Lu\u1eadt B\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i 214 v\u00e0 \u0110i\u1ec1u 4, 13, 17, 21 c\u1ee7a Quy\u1ebft \u0111\u1ecbnh 595\/Q\u0110-BHXH, c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng tham gia b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i b\u1eaft bu\u1ed9c l\u00e0:<\/p>\n<ul>\n<li aria-level=\"1\">Ng\u01b0\u1eddi lao \u0111\u1ed9ng Vi\u1ec7t Nam \u0111\u00e3 k\u00fd H\u1ee3p \u0111\u1ed3ng Lao \u0111\u1ed9ng v\u1edbi doanh nghi\u1ec7p t\u1eeb tr\u00ean 1 th\u00e1ng.<\/li>\n<li aria-level=\"1\">Ng\u01b0\u1eddi lao \u0111\u1ed9ng n\u01b0\u1edbc ngo\u00e0i l\u00e0m vi\u1ec7c t\u1ea1i Vi\u1ec7t Nam c\u00f3 ch\u1ee9ng ch\u1ec9 h\u00e0nh ngh\u1ec1, gi\u1ea5y ph\u00e9p lao \u0111\u1ed9ng\u2026 \u0111\u01b0\u1ee3c c\u1ea5p b\u1edfi c\u01a1 quan c\u00f3 th\u1ea9m quy\u1ec1n v\u00e0 \u0111\u00e3 k\u00fd H\u1ee3p \u0111\u1ed3ng Lao \u0111\u1ed9ng v\u1edbi doanh nghi\u1ec7p t\u1eeb 3 th\u00e1ng tr\u1edf l\u00ean.<\/li>\n<li aria-level=\"1\">Ng\u01b0\u1eddi s\u1eed d\u1ee5ng lao \u0111\u1ed9ng c\u00f3 gi\u1ea5y ph\u00e9p ho\u1ea1t \u0111\u1ed9ng v\u00e0 c\u00f3 ng\u01b0\u1eddi lao \u0111\u1ed9ng Vi\u1ec7t Nam k\u00fd H\u1ee3p \u0111\u1ed3ng Lao \u0111\u1ed9ng t\u1eeb 1 th\u00e1ng tr\u1edf l\u00ean ho\u1eb7c ng\u01b0\u1eddi lao \u0111\u1ed9ng n\u01b0\u1edbc ngo\u00e0i k\u00fd H\u1ee3p \u0111\u1ed3ng Lao \u0111\u1ed9ng t\u1eeb 3 th\u00e1ng tr\u1edf l\u00ean.<\/li>\n<\/ul>\n<p>Ngo\u00e0i ra c\u00f2n c\u00f3 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o th\u00eam. Kh\u00f4ng ch\u1ec9 \u0111\u1ea3m b\u1ea3o \u0111\u00fang quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt, c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9<strong>c<\/strong> c\u00f2n gi\u00fap b\u1ea3o v\u1ec7 l\u1ee3i \u00edch ng\u01b0\u1eddi lao \u0111\u1ed9ng. Do \u0111\u00f3, b\u1ea1n n\u00ean hi\u1ec3u r\u00f5 v\u1ec1 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m tr\u00ean.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0110\u00e1nh gi\u00e1 post \u0110\u1ed1i v\u1edbi b\u1ea5t k\u1ef3 ai \u0111ang ho\u1eb7c chu\u1ea9n b\u1ecb \u0111i l\u00e0m ch\u00ednh th\u1ee9c \u0111\u1ec1u n\u00ean quan t\u00e2m \u0111\u1ebfn c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c. B\u1ea1n c\u00f3 th\u1ec3 t\u1ef1 mua v\u00e0 t\u1ef1 \u0111\u00f3ng b\u1ea3o hi\u1ec3m ho\u1eb7c doanh nghi\u1ec7p&#8230;<\/p>\n","protected":false},"author":43,"featured_media":66783,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c","_yoast_wpseo_title":"C\u00e1c Lo\u1ea1i B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c Cho Ng\u01b0\u1eddi \u0110i L\u00e0m M\u1edbi Nh\u1ea5t {YEAR} - JobsGO Blog","_yoast_wpseo_metadesc":"C\u1eadp nh\u1eadt th\u00f4ng tin v\u1ec1 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c hi\u1ec7n nay \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho b\u1ea3n th\u00e2n trong qu\u00e1 tr\u00ecnh \u0111i l\u00e0m c\u00e1c b\u1ea1n nh\u00e9.","_yoast_wpseo_focus_keyphrase":"","faq":"1. M\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i \u0110\u01b0\u1ee3c T\u00ednh Nh\u01b0 Th\u1ebf N\u00e0o?\r\n\r\nM\u1ee9c \u0111\u00f3ng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i th\u01b0\u1eddng \u0111\u01b0\u1ee3c t\u00ednh d\u1ef1a tr\u00ean m\u1ee9c l\u01b0\u01a1ng ho\u1eb7c doanh thu c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng ho\u1eb7c doanh nghi\u1ec7p. C\u00e1c quy \u0111\u1ecbnh v\u1ec1 m\u1ee9c \u0111\u00f3ng c\u00f3 th\u1ec3 thay \u0111\u1ed5i t\u00f9y theo quy \u0111\u1ecbnh c\u1ee7a t\u1eebng qu\u1ed1c gia.\r\n\r\n2. N\u1ebfu Kh\u00f4ng \u0110\u00f3ng B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i Th\u00ec C\u00f3 H\u1eadu Qu\u1ea3 G\u00ec?\r\n\r\nN\u1ebfu kh\u00f4ng \u0111\u00f3ng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i theo quy \u0111\u1ecbnh, ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u00e0 doanh nghi\u1ec7p c\u00f3 th\u1ec3 ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi c\u00e1c h\u00ecnh ph\u1ea1t ph\u00e1p l\u00fd v\u00e0 m\u1ea5t quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p g\u1eb7p kh\u00f3 kh\u0103n v\u1ec1 t\u00e0i ch\u00ednh.\r\n\r\n3. C\u00f3 C\u00e1ch N\u00e0o Mi\u1ec5n Gi\u1ea3m Ho\u1eb7c Gi\u1ea3m B\u1edbt M\u1ee9c \u0110\u00f3ng B\u1ea3o Hi\u1ec3m X\u00e3 H\u1ed9i Kh\u00f4ng?\r\n\r\nTrong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, nh\u00e0 n\u01b0\u1edbc c\u00f3 c\u00e1c ch\u01b0\u01a1ng tr\u00ecnh mi\u1ec5n gi\u1ea3m ho\u1eb7c gi\u1ea3m b\u1edbt m\u1ee9c \u0111\u00f3ng b\u1ea3o hi\u1ec3m x\u00e3 h\u1ed9i d\u00e0nh cho c\u00e1c nh\u00f3m \u0111\u1ed1i t\u01b0\u1ee3ng c\u1ee5 th\u1ec3 nh\u01b0 ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u00f3 thu nh\u1eadp th\u1ea5p ho\u1eb7c doanh nghi\u1ec7p nh\u1ecf v\u00e0 v\u1eeba. Tuy nhi\u00ean, vi\u1ec7c n\u00e0y ph\u1ee5 thu\u1ed9c v\u00e0o quy \u0111\u1ecbnh c\u1ee5 th\u1ec3 c\u1ee7a t\u1eebng qu\u1ed1c gia v\u00e0 khu v\u1ef1c.\r\n\r\n\r\n","nganh_nghe_chuc_vu_lien_quan":["Nh\u00e2n Vi\u00ean B\u1ea3o Hi\u1ec3m","T\u01b0 V\u1ea5n B\u1ea3o Hi\u1ec3m"]},"categories":[1136,1139],"tags":[],"yoast_head":"\n<title>C\u00e1c Lo\u1ea1i B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c Cho Ng\u01b0\u1eddi \u0110i L\u00e0m M\u1edbi Nh\u1ea5t 2025 - JobsGO Blog<\/title>\n<meta name=\"description\" content=\"C\u1eadp nh\u1eadt th\u00f4ng tin v\u1ec1 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c hi\u1ec7n nay \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i cho b\u1ea3n th\u00e2n trong qu\u00e1 tr\u00ecnh \u0111i l\u00e0m c\u00e1c b\u1ea1n nh\u00e9.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/jobsgo.vn\/blog\/cac-loai-bao-hiem-bat-buoc\/\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"C\u00e1c Lo\u1ea1i B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c Cho Ng\u01b0\u1eddi \u0110i L\u00e0m M\u1edbi Nh\u1ea5t 2025 - 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