{"id":5186,"date":"2022-02-26T21:13:29","date_gmt":"2022-02-26T20:13:29","guid":{"rendered":"https:\/\/expateuropa.com\/bao-hiem-o-bi\/"},"modified":"2022-02-26T21:13:29","modified_gmt":"2022-02-26T20:13:29","slug":"bao-hiem-o-bi","status":"publish","type":"post","link":"https:\/\/expateuropa.com\/vi\/bao-hiem-o-bi\/","title":{"rendered":"B\u1ea3o hi\u1ec3m \u1edf B\u1ec9"},"content":{"rendered":"<p>B\u1ea3o hi\u1ec3m \u1edf B\u1ec9 cung c\u1ea5p cho b\u1ea1n s\u1ef1 an to\u00e0n c\u1ea7n thi\u1ebft ch\u1ed1ng l\u1ea1i b\u1ea5t k\u1ef3 t\u1ed5n th\u1ea5t t\u00e0i ch\u00ednh n\u00e0o c\u00f3 th\u1ec3 x\u1ea3y ra trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 \u0111i\u1ec1u g\u00ec \u0111\u00f3 x\u1ea3y ra v\u1edbi b\u1ea1n. T\u1ea1i th\u1eddi \u0111i\u1ec3m n\u00e0y, b\u1ea1n c\u00f3 th\u1ec3 khao kh\u00e1t \u0111\u01b0\u1ee3c \u0111\u1ebfn <a href=\"https:\/\/visit.brussels\/en\" target=\"_blank\" rel=\"noopener\">th\u0103m c\u00e1c th\u00e0nh ph\u1ed1 Brussels, Antwerp ho\u1eb7c Ghent<\/a> m\u00e0 B\u1ec9 \u0111\u01b0\u1ee3c bi\u1ebft \u0111\u1ebfn. C\u00f3 th\u1ec3 b\u1ea1n \u0111ang s\u1ed1ng \u1edf m\u1ed9t trong nh\u1eefng th\u00e0nh ph\u1ed1 xinh \u0111\u1eb9p c\u1ee7a B\u1ec9 n\u00e0y v\u00e0 t\u1ea5t c\u1ea3 nh\u1eefng g\u00ec b\u1ea1n nh\u1edb l\u00e0 m\u1ed9t b\u1ea3o hi\u1ec3m \u0111\u00e1ng tin c\u1eady gi\u00fap b\u1ea1n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m h\u00e0ng ng\u00e0y, m\u1ecdi l\u00fac v\u00e0 m\u1ecdi n\u01a1i.<\/p>\n<h2>\u0110\u00f4i n\u00e9t v\u1ec1 \u0111i\u1ec1u ki\u1ec7n b\u1ea3o hi\u1ec3m \u1edf B\u1ec9<\/h2>\n<p>\u1ede B\u1ec9, b\u1ea3o hi\u1ec3m l\u00e0 t\u00f9y ch\u1ecdn v\u00e0 b\u1eaft bu\u1ed9c, bao g\u1ed3m b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, s\u1ee9c kh\u1ecfe v\u00e0 xe h\u01a1i. C\u01a1 quan D\u1ecbch v\u1ee5 T\u00e0i ch\u00ednh v\u00e0 Th\u1ecb tr\u01b0\u1eddng \u0111i\u1ec1u ch\u1ec9nh th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m trong n\u01b0\u1edbc. C\u00e1c b\u1ea3o hi\u1ec3m \u1edf B\u1ec9 b\u1eaft bu\u1ed9c theo lu\u1eadt bao g\u1ed3m b\u1ea3o hi\u1ec3m y t\u1ebf, b\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p v\u00e0 b\u1ea3o hi\u1ec3m xe h\u01a1i. Tuy nhi\u00ean, c\u00e1c b\u1ea3o hi\u1ec3m kh\u00e1c l\u00e0 t\u00f9y ch\u1ecdn bao g\u1ed3m b\u1ea3o hi\u1ec3m nh\u00e0 \u1edf, cu\u1ed9c s\u1ed1ng, du l\u1ecbch, v\u1eadt nu\u00f4i, h\u1ee3p ph\u00e1p, t\u01b0 nh\u00e2n c\u0169ng nh\u01b0 b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m gia \u0111\u00ecnh v\u00e0 c\u00e1 nh\u00e2n.<\/p>\n<h2>B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c \u1edf B\u1ec9<\/h2>\n<p>Th\u1ef1c s\u1ef1 l\u00e0 m\u1ed9t \u00fd ki\u1ebfn hay n\u1ebfu b\u1ea1n ph\u1ea3i \u0111\u1eb7t l\u00ean h\u00e0ng \u0111\u1ea7u v\u1edbi lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o l\u00e0 b\u1eaft bu\u1ed9c ph\u1ea3i c\u00f3 \u1edf B\u1ec9 v\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o l\u00e0 t\u00f9y ch\u1ecdn. Lu\u00f4n lu\u00f4n cho r\u1eb1ng s\u1ef1 thi\u1ebfu hi\u1ec3u bi\u1ebft th\u1ef1c s\u1ef1 kh\u00f4ng c\u00f3 l\u00fd do g\u00ec, \u0111\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao danh s\u00e1ch n\u00e0y ch\u1ec9 cung c\u1ea5p cho b\u1ea1n \u00fd t\u01b0\u1edfng v\u1ec1 n\u01a1i ch\u00ednh x\u00e1c \u0111\u1ec3 b\u1eaft \u0111\u1ea7u. B\u1ea3o hi\u1ec3m ph\u1ea3i c\u00f3 \u1edf B\u1ec9 nh\u01b0 sau;<\/p>\n<h2>B\u1ea3o hi\u1ec3m y t\u1ebf \u1edf B\u1ec9<\/h2>\n<p>B\u1ea1n ngh\u0129 r\u1eb1ng d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe \u1edf B\u1ec9 l\u00e0 mi\u1ec5n ph\u00ed? Kh\u00f4ng, n\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 n\u00f3 \u0111\u01b0\u1ee3c tr\u1ee3 c\u1ea5p, v\u00e0 ng\u01b0\u1eddi d\u00e2n c\u00f3 c\u01a1 h\u1ed9i l\u1ef1a ch\u1ecdn c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n \u0111\u1ec3 h\u1ecd c\u00f3 th\u1ec3 n\u1ea1p ti\u1ec1n b\u1eb1ng ch\u00ednh s\u00e1ch c\u1ee7a nh\u00e0 n\u01b0\u1edbc. V\u00ec v\u1eady, m\u1ecdi c\u00e1 nh\u00e2n ph\u1ea3i tham gia qu\u1ef9 b\u1ea3o hi\u1ec3m y t\u1ebf \u0111\u01b0\u1ee3c c\u00f4ng nh\u1eadn.<\/p>\n<p>Khi m\u1ed9t ng\u01b0\u1eddi c\u1ea7n b\u1ea3o hi\u1ec3m y t\u1ebf, ph\u00ed th\u00e0nh vi\u00ean, c\u00f2n \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 lidgeld, s\u1ebd \u0111\u01b0\u1ee3c thanh to\u00e1n, v\u00e0 n\u00f3 c\u00f3 gi\u00e1 t\u1eeb <a href=\"https:\/\/www.internationalstudentinsurance.com\/belgium-student-insurance\/health-insurance-in-belgium.php\" target=\"_blank\" rel=\"noopener\">49 euro \u0111\u1ebfn kho\u1ea3ng 180 euro h\u00e0ng n\u0103m<\/a> . Nh\u1eefng ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m y t\u1ebf c\u00f4ng c\u1ed9ng bao g\u1ed3m c\u00f4ng nh\u00e2n vi\u00ean, v\u1ee3 \/ ch\u1ed3ng, con c\u00e1i, sinh vi\u00ean, c\u01b0 d\u00e2n kh\u00f4ng thu\u1ed9c Eu, kh\u00e1ch ng\u1eafn h\u1ea1n, ng\u01b0\u1eddi kh\u00f4ng ph\u1ea3i c\u00f4ng nh\u00e2n v\u00e0 ng\u01b0\u1eddi h\u01b0u tr\u00ed. Ngo\u00e0i ra, n\u00f3 bao g\u1ed3m 50% c\u00e1c ph\u00f2ng kh\u00e1m, b\u00e1c s\u0129 v\u00e0 th\u0103m b\u1ec7nh vi\u1ec7n, ch\u0103m s\u00f3c r\u0103ng mi\u1ec7ng, 20% chi ph\u00ed k\u00ea \u0111\u01a1n v\u00e0 ch\u0103m s\u00f3c thai s\u1ea3n.<\/p>\n<h2>B\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p<\/h2>\n<p>B\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p l\u00e0 m\u1ed9t h\u1ec7 th\u1ed1ng \u0111\u00f3ng g\u00f3p v\u00e0 b\u1eaft bu\u1ed9c. N\u00f3 \u0111\u01b0\u1ee3c t\u00e0i tr\u1ee3 t\u1eeb <a href=\"https:\/\/www.internationalstudentinsurance.com\/belgium-student-insurance\/health-insurance-in-belgium.php\" target=\"_blank\" rel=\"noopener\">c\u00e1c \u0111\u00f3ng g\u00f3p x\u00e3 h\u1ed9i<\/a> trong khi c\u00e1c quy t\u1eafc chi ph\u1ed1i n\u00f3 \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh b\u1edfi ch\u00ednh ph\u1ee7 v\u00e0 nh\u00e0 l\u1eadp ph\u00e1p sau khi c\u00f3 \u00fd ki\u1ebfn tham v\u1ea5n c\u1ee7a c\u00e1c \u0111\u1ed1i t\u00e1c x\u00e3 h\u1ed9i.<\/p>\n<p>\u0110\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c l\u1ee3i \u00edch, m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng bao g\u1ed3m:<\/p>\n<ul>\n<li>\u0110\u00e3 l\u00e0m vi\u1ec7c t\u1ed1i thi\u1ec3u kho\u1ea3ng 312 v\u00e0 624 ng\u00e0y t\u00f9y thu\u1ed9c v\u00e0o \u0111\u1ed9 tu\u1ed5i c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n v\u1edbi 21 \u0111\u1ebfn 42 th\u00e1ng.<\/li>\n<li>M\u1ea5t c\u00f4ng vi\u1ec7c to\u00e0n th\u1eddi gian v\u00e0 b\u1ecb t\u01b0\u1edbc thu nh\u1eadp v\u00ec ho\u00e0n c\u1ea3nh n\u1eb1m ngo\u00e0i t\u1ea7m ki\u1ec3m so\u00e1t c\u1ee7a b\u1ea1n<\/li>\n<li>T\u00edch c\u1ef1c t\u00ecm ki\u1ebfm vi\u1ec7c l\u00e0m v\u00e0 h\u1ee3p t\u00e1c v\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng \u0111\u00e0o t\u1ea1o v\u00e0 h\u1ed7 tr\u1ee3 do d\u1ecbch v\u1ee5 vi\u1ec7c l\u00e0m cung c\u1ea5p.<\/li>\n<li>\u0110\u01b0\u1ee3c \u0111\u0103ng k\u00fd l\u00e0m ng\u01b0\u1eddi t\u00ecm vi\u1ec7c trong c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 VDAB, Actiris v\u00e0 FOREM<\/li>\n<li>C\u00f3 n\u01a1i \u1edf ch\u00ednh \u1edf B\u1ec9<\/li>\n<li>D\u01b0\u1edbi 65 tu\u1ed5i, tu\u1ed5i ngh\u1ec9 h\u01b0u<\/li>\n<\/ul>\n<p>Theo b\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p, c\u00f2n c\u00f3 ch\u1ebf \u0111\u1ed9 th\u1ea5t nghi\u1ec7p v\u1edbi RCC (b\u1ed5 sung c\u1ee7a c\u00f4ng ty). N\u00f3 cho ph\u00e9p c\u00e1c nh\u00e2n vi\u00ean c\u0169 \u0111\u01b0\u1ee3c tr\u1ee3 c\u1ea5p b\u1ed5 sung c\u0169ng nh\u01b0 tr\u1ee3 c\u1ea5p th\u1ea5t nghi\u1ec7p. Tuy nhi\u00ean, c\u00e1c \u0111i\u1ec1u ki\u1ec7n sau ph\u1ea3i \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng:<\/p>\n<ul>\n<li>\u0110\u00e3 b\u1ecb sa th\u1ea3i<\/li>\n<li>\u0110ang nh\u1eadn tr\u1ee3 c\u1ea5p th\u1ea5t nghi\u1ec7p<\/li>\n<li>\u0110\u00e3 r\u00fat kh\u1ecfi th\u1ecb tr\u01b0\u1eddng lao \u0111\u1ed9ng<\/li>\n<\/ul>\n<h2>B\u1ea3o hi\u1ec3m xe h\u01a1i<\/h2>\n<p>B\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 c\u1ee7a b\u00ean th\u1ee9 ba l\u00e0 b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi b\u1ea5t k\u1ef3 ch\u1ee7 s\u1edf h\u1eefu xe m\u00e1y n\u00e0o \u1edf B\u1ec9. Chi\u1ebfc xe \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, v\u00e0 \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 b\u1ea5t k\u1ef3 ng\u01b0\u1eddi n\u00e0o c\u00f3 gi\u1ea5y ph\u00e9p l\u00e1i xe \u0111\u1ec1u c\u00f3 th\u1ec3 l\u00e1i m\u1ed9t chi\u1ebfc xe \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m xe h\u01a1i kh\u00e1c nhau bao g\u1ed3m b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m c\u1ee7a b\u00ean th\u1ee9 ba ho\u1eb7c Wettelijke Aansprakelijkheidsverzekering, m\u1ed9t ph\u1ea7n to\u00e0n di\u1ec7n ho\u1eb7c mini casco, v\u00e0 to\u00e0n b\u1ed9 to\u00e0n di\u1ec7n ho\u1eb7c <a href=\"https:\/\/www.expatica.com\/be\/finance\/insurance\/guide-to-car-insurance-in-belgium-100180\/\" target=\"_blank\" rel=\"noopener\">t\u1ed1i \u0111a<\/a> .<\/p>\n<p>Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, b\u1ea3o hi\u1ec3m xe h\u01a1i trong n\u01b0\u1edbc c\u00f3 th\u1ec3 t\u1ed1n k\u00e9m v\u00ec n\u00f3 th\u01b0\u1eddng ph\u1ea3i ch\u1ecbu thu\u1ebf gi\u00e1 tr\u1ecb gia t\u0103ng. Lo\u1ea1i r\u1ebb nh\u1ea5t l\u00e0 b\u1ea3o hi\u1ec3m c\u1ee7a b\u00ean th\u1ee9 ba, trong khi lo\u1ea1i \u0111\u1eaft nh\u1ea5t l\u00e0 b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n. Ngo\u00e0i nh\u1eefng \u0111i\u1ec1u n\u00e0y, chi ph\u00ed c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m xe \u00f4 t\u00f4 c\u00f2n ph\u1ee5 thu\u1ed9c v\u00e0o nh\u1eefng \u0111i\u1ec1u sau \u0111\u00e2y:<\/p>\n<ul>\n<li>Tu\u1ed5i v\u00e0 gi\u00e1 tr\u1ecb c\u1ee7a xe<\/li>\n<li>H\u1ed3 s\u01a1 c\u1ee7a (c\u00e1c) ng\u01b0\u1eddi l\u00e1i xe bao g\u1ed3m s\u1ee9c kh\u1ecfe, l\u1ecbch s\u1eed l\u00e1i xe v\u00e0 tu\u1ed5i<\/li>\n<li>S\u1ed1 l\u01b0\u1ee3ng l\u00e1i xe \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n<\/li>\n<li>T\u1ea5t c\u1ea3 c\u00e1c tr\u00ecnh \u0111i\u1ec1u khi\u1ec3n \u0111\u01b0\u1ee3c li\u1ec7t k\u00ea c\u1ee7a \u00f4 t\u00f4<\/li>\n<\/ul>\n<h2>B\u1ea3o hi\u1ec3m t\u00f9y ch\u1ecdn \u1edf B\u1ec9<\/h2>\n<h3>B\u1ea3o hi\u1ec3m nh\u00e0 \u1edf<\/h3>\n<p>\u1ede B\u1ec9, b\u1ea3o hi\u1ec3m nh\u00e0 c\u0169ng \u0111\u1ec1 c\u1eadp \u0111\u1ebfn b\u1ea3o hi\u1ec3m cho thu\u00ea nh\u00e0 v\u00e0 b\u1ea3o hi\u1ec3m h\u1ecfa ho\u1ea1n. B\u1ea3o hi\u1ec3m \u0111i k\u00e8m trong h\u00ecnh th\u1ee9c n\u00e0y bao g\u1ed3m b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 v\u00e0 ng\u01b0\u1eddi thu\u00ea nh\u00e0. B\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 b\u1ea3o hi\u1ec3m m\u1ed9t t\u00f2a nh\u00e0 ch\u1ed1ng l\u1ea1i thi\u1ec7t h\u1ea1i, bao g\u1ed3m b\u00e3o ho\u1eb7c h\u1ecfa ho\u1ea1n, trong khi b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi thu\u00ea nh\u00e0 l\u00e0 b\u1ea3o hi\u1ec3m ch\u1ed1ng l\u1ea1i thi\u1ec7t h\u1ea1i \u0111\u1ed1i v\u1edbi t\u00e0i s\u1ea3n do thu\u00ea ch\u1ed7 \u1edf.<\/p>\n<h2>B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/h2>\n<p>M\u1ee5c \u0111\u00edch ch\u00ednh c\u1ee7a vi\u1ec7c tham gia b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 \u0111\u1ec3 b\u1ea3o v\u1ec7 nh\u1eefng ng\u01b0\u1eddi th\u00e2n y\u00eau kh\u1ecfi nh\u1eefng h\u1eadu qu\u1ea3 t\u00e0i ch\u00ednh trong tr\u01b0\u1eddng h\u1ee3p m\u1ed9t ng\u01b0\u1eddi qua \u0111\u1eddi. Tr\u00e1ch nhi\u1ec7m c\u1ee7a m\u1ed9t c\u00e1 nh\u00e2n l\u00e0 quy\u1ebft \u0111\u1ecbnh s\u1ed1 ti\u1ec1n h\u1ecd mu\u1ed1n b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c c\u00e1 nh\u00e2n nh\u1eadn \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n sau khi ch\u1ebft. M\u1ecdi gia \u0111\u00ecnh \u0111\u1ec1u tr\u1ea3i qua nh\u1eefng giai \u0111o\u1ea1n kh\u00f3 kh\u0103n trong tr\u01b0\u1eddng h\u1ee3p m\u1ed9t ng\u01b0\u1eddi ch\u1ebft, v\u00e0 h\u1ecd c\u00f3 th\u1ec3 th\u1ea5y kh\u00f3 kh\u0103n trong vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 ti\u1ec1n b\u1ea1c. Do \u0111\u00f3, b\u1ea3o hi\u1ec3m mang l\u1ea1i <a href=\"https:\/\/www.foyerglobalhealth.com\/winter-promo-en\/?gclid=CjwKCAiAvOeQBhBkEiwAxutUVDKTLQp363B12ruUfKTHjyR4M0ZH-Rleho7OnhdME2NsHgTFlkZp5xoCT4wQAvD_BwE\" target=\"_blank\" rel=\"noopener\">m\u1ed9t s\u1ef1 th\u00fac \u0111\u1ea9y t\u00e0i ch\u00ednh<\/a> trong vi\u1ec7c b\u1ea3o v\u1ec7 gia \u0111\u00ecnh t\u01b0\u01a1ng lai c\u1ee7a m\u1ed9t ng\u01b0\u1eddi c\u0169ng nh\u01b0 ch\u1ea5t l\u01b0\u1ee3ng cu\u1ed9c s\u1ed1ng.<\/p>\n<h2>B\u1ea3o hi\u1ec3m du l\u1ecbch<\/h2>\n<p>H\u1ea7u h\u1ebft m\u1ecdi ng\u01b0\u1eddi \u1edf B\u1ec9 th\u01b0\u1eddng cho r\u1eb1ng b\u1ea3o hi\u1ec3m y t\u1ebf c\u1ee7a B\u1ec9 v\u00e0 c\u1ee7a EU cung c\u1ea5p to\u00e0n b\u1ed9 chi ph\u00ed khi h\u1ecd \u0111i du l\u1ecbch n\u01b0\u1edbc ngo\u00e0i. Th\u1eadt kh\u00f4ng may, \u0111i\u1ec1u n\u00e0y kh\u00f4ng \u0111\u00fang, v\u00e0 \u0111i\u1ec1u quan tr\u1ecdng \u0111\u1ed1i v\u1edbi m\u1ed9t ng\u01b0\u1eddi l\u00e0 ph\u1ea3i mua b\u1ea3o hi\u1ec3m du l\u1ecbch t\u01b0 nh\u00e2n. L\u00fd do l\u00e0 n\u00f3 c\u00f3 th\u1ec3 cho ph\u00e9p m\u1ed9t ng\u01b0\u1eddi nh\u1eadn \u0111\u01b0\u1ee3c s\u1ef1 gi\u00fap \u0111\u1ee1 khi \u0111i du l\u1ecbch ph\u1ea7n c\u00f2n l\u1ea1i c\u1ee7a th\u1ebf gi\u1edbi v\u00e0 th\u1eadm ch\u00ed an to\u00e0n \u1edf B\u1ec9 v\u00e0 ch\u00e2u \u00c2u.<\/p>\n<h2>B\u1ea3o hi\u1ec3m v\u1eadt nu\u00f4i<\/h2>\n<p>\u1ede B\u1ec9, chi ph\u00ed b\u1ea3o hi\u1ec3m v\u1eadt nu\u00f4i cho ch\u1ee7 s\u1edf h\u1eefu v\u1eadt nu\u00f4i kho\u1ea3ng $ 20 \u0111\u1ebfn $ 60 h\u00e0ng th\u00e1ng ho\u1eb7c $ 240 \u0111\u1ebfn kho\u1ea3ng $ 720 h\u00e0ng n\u0103m. Ngo\u00e0i ra, h\u1ea7u h\u1ebft nh\u1eefng ng\u01b0\u1eddi nu\u00f4i th\u00fa c\u01b0ng th\u01b0\u1eddng c\u00f3 c\u00e1c v\u1ea5n \u0111\u1ec1 v\u1ec1 kh\u1edbp v\u00e0 h\u00f4ng v\u00ec <a href=\"https:\/\/www.petassure.com\/education\/dog-breeds\/belgian_tervuren-pet-insurance\/\" target=\"_blank\" rel=\"noopener\">ch\u1ee9ng lo\u1ea1n s\u1ea3n x\u01b0\u01a1ng h\u00f4ng v\u00e0 khu\u1ef7u tay<\/a> l\u00e0 m\u1ed9t b\u1ec7nh di truy\u1ec1n. Ngay c\u1ea3 khi c\u00f3 \u0111\u1ee7 ti\u1ec1n \u0111\u1ec3 trang tr\u1ea3i chi ph\u00ed th\u00fa y, b\u1ea3o hi\u1ec3m v\u1eadt nu\u00f4i v\u1eabn r\u1ea5t quan tr\u1ecdng v\u00ec n\u00f3 gi\u00fap ch\u1ee7 v\u1eadt nu\u00f4i ti\u1ebft ki\u1ec7m r\u1ea5t nhi\u1ec1u ti\u1ec1n trong tr\u01b0\u1eddng h\u1ee3p v\u1eadt nu\u00f4i b\u1ecb th\u01b0\u01a1ng ho\u1eb7c b\u1ecb b\u1ec7nh.<\/p>\n<h2>B\u1ea3o hi\u1ec3m h\u1ee3p ph\u00e1p<\/h2>\n<p>T\u1eeb ng\u00e0y 1 th\u00e1ng 9 n\u0103m <sup>2019<\/sup> , nh\u00e0 l\u1eadp ph\u00e1p B\u1ec9 \u0111\u00e3 cho ph\u00e9p ng\u01b0\u1eddi \u0111\u0103ng k\u00fd \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 ph\u00e1p l\u00fd t\u01b0 nh\u00e2n trong m\u1ed9t s\u1ed1 \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u1ea3m thu\u1ebf kho\u1ea3ng 40%. Lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m n\u00e0y h\u1ed7 tr\u1ee3 c\u00e1c c\u00f4ng ty v\u00e0 c\u00e1 nh\u00e2n theo c\u00e1ch t\u01b0\u01a1ng t\u1ef1 trong vi\u1ec7c \u0111\u00e1p \u1ee9ng chi ph\u00ed b\u1ea3o v\u1ec7 quy\u1ec1n l\u1ee3i ho\u1eb7c h\u00e0nh \u0111\u1ed9ng ph\u00e1p l\u00fd c\u1ee7a h\u1ecd trong tr\u01b0\u1eddng h\u1ee3p c\u00f3 tranh ch\u1ea5p v\u1edbi ng\u01b0\u1eddi kh\u00e1c. C\u00e1c lo\u1ea1i chi ph\u00ed m\u00e0 b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng bao g\u1ed3m \u0111\u1ed9ng c\u01a1, c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i.<\/p>\n<h2>B\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n<\/h2>\n<p>C\u0169ng gi\u1ed1ng nh\u01b0 c\u00e1c nh\u00e2n vi\u00ean kh\u00e1c, c\u00e1c c\u00e1 nh\u00e2n t\u1ef1 kinh doanh c\u00f3 quy\u1ec1n \u0111\u01b0\u1ee3c h\u01b0\u1edfng m\u1ed9t s\u1ed1 b\u1ea3o tr\u1ee3 x\u00e3 h\u1ed9i c\u01a1 b\u1ea3n. C\u00e1c kho\u1ea3n \u0111\u00f3ng g\u00f3p th\u01b0\u1eddng d\u1ef1a tr\u00ean thu nh\u1eadp c\u1ee7a h\u1ecd, v\u00e0 c\u00e1c quy\u1ec1n l\u1ee3i bao g\u1ed3m l\u01b0\u01a1ng h\u01b0u, ti\u1ec1n l\u01b0\u01a1ng b\u1ed5ng, tr\u1ee3 c\u1ea5p tr\u1ebb em, v\u00e0 <a href=\"https:\/\/www.belgium.be\/en\/economy\/business\/creation\/becoming_self_employed\/social_security_scheme_self_employed_persons\" target=\"_blank\" rel=\"noopener\">b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe v\u00e0 t\u00e0n t\u1eadt<\/a> .<\/p>\n<h3>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m gia \u0111\u00ecnh ho\u1eb7c c\u00e1 nh\u00e2n<\/h3>\n<p>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m con ng\u01b0\u1eddi ch\u1ee7 y\u1ebfu bao g\u1ed3m nh\u1eefng t\u1ed5n th\u01b0\u01a1ng v\u1ec1 th\u00e2n th\u1ec3 ho\u1eb7c thi\u1ec7t h\u1ea1i v\u1ec1 t\u00e0i s\u1ea3n m\u00e0 b\u1ea1n v\u00f4 \u00fd g\u00e2y ra cho ng\u01b0\u1eddi kh\u00e1c trong cu\u1ed9c s\u1ed1ng ri\u00eang t\u01b0 c\u1ee7a m\u00ecnh. B\u1ea3o hi\u1ec3m bao g\u1ed3m nh\u1eefng <a href=\"https:\/\/admin.kuleuven.be\/sab\/vz\/en\/liability-private-students#:~:text=Personal%20liability%20insurance%2C%20also%20called,else%20sustains%20a%20physical%20injury.\" target=\"_blank\" rel=\"noopener\">thi\u1ec7t h\u1ea1i phi v\u1eadt ch\u1ea5t, v\u1eadt ch\u1ea5t v\u00e0 v\u1eadt ch\u1ea5t<\/a> . Ngo\u00e0i ra, ch\u00ednh s\u00e1ch bao g\u1ed3m h\u1ed7 tr\u1ee3 ph\u00e1p l\u00fd.<\/p>\n<h2>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ed5 bi\u1ebfn \u1edf B\u1ec9<\/h2>\n<p>M\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u1edf B\u1ec9 m\u00e0 b\u1ea1n lu\u00f4n c\u00f3 th\u1ec3 tin t\u01b0\u1edfng bao g\u1ed3m;<\/p>\n<ol>\n<li>B\u1ea3o hi\u1ec3m AG<\/li>\n<li>AXA<\/li>\n<li>Ethias<\/li>\n<li>KBC<\/li>\n<li>Baloise<\/li>\n<li>P &amp; V \u0111\u1ea3m b\u1ea3o<\/li>\n<li>Athora \u0111\u1ea3m b\u1ea3o<\/li>\n<li>Fidea<\/li>\n<li>Allianz<\/li>\n<li>NN<\/li>\n<\/ol>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m \u1edf B\u1ec9 cung c\u1ea5p cho b\u1ea1n s\u1ef1 an to\u00e0n c\u1ea7n thi\u1ebft ch\u1ed1ng l\u1ea1i&#8230;<\/p>\n","protected":false},"author":5,"featured_media":3670,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1030],"tags":[1036,769,770,966,767,768,970],"_links":{"self":[{"href":"https:\/\/expateuropa.com\/vi\/wp-json\/wp\/v2\/posts\/5186"}],"collection":[{"href":"https:\/\/expateuropa.com\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/expateuropa.com\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/vi\/wp-json\/wp\/v2\/users\/5"}],"replies":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/vi\/wp-json\/wp\/v2\/comments?post=5186"}],"version-history":[{"count":0,"href":"https:\/\/expateuropa.com\/vi\/wp-json\/wp\/v2\/posts\/5186\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/expateuropa.com\/vi\/wp-json\/wp\/v2\/media\/3670"}],"wp:attachment":[{"href":"https:\/\/expateuropa.com\/vi\/wp-json\/wp\/v2\/media?parent=5186"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/expateuropa.com\/vi\/wp-json\/wp\/v2\/categories?post=5186"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/expateuropa.com\/vi\/wp-json\/wp\/v2\/tags?post=5186"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}