{"id":143,"date":"2026-09-02T20:47:10","date_gmt":"2026-09-02T20:47:10","guid":{"rendered":"https:\/\/4banh.jp\/index.php\/2026\/09\/02\/cam-nang-chon-mua-va-su-dung-bao-hiem-o-to-tai-nhat-tiet-kiem-toi-da-va-den-bu-100\/"},"modified":"2026-09-02T20:47:10","modified_gmt":"2026-09-02T20:47:10","slug":"cam-nang-chon-mua-va-su-dung-bao-hiem-o-to-tai-nhat-tiet-kiem-toi-da-va-den-bu-100","status":"publish","type":"post","link":"https:\/\/4banh.jp\/index.php\/2026\/09\/02\/cam-nang-chon-mua-va-su-dung-bao-hiem-o-to-tai-nhat-tiet-kiem-toi-da-va-den-bu-100\/","title":{"rendered":"C\u1ea9m nang ch\u1ecdn mua v\u00e0 s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ea1i Nh\u1eadt: Ti\u1ebft ki\u1ec7m t\u1ed1i \u0111a v\u00e0 \u0111\u1ec1n b\u00f9 100%"},"content":{"rendered":"

L\u00e1i xe \u00f4 t\u00f4 tr\u00ean \u0111\u01b0\u1eddng ph\u1ed1 Nh\u1eadt B\u1ea3n lu\u00f4n \u0111\u00f2i h\u1ecfi s\u1ef1 c\u1ea9n tr\u1ecdng cao \u0111\u1ed9. Tuy nhi\u00ean, r\u1ee7i ro tai n\u1ea1n giao th\u00f4ng l\u00e0 \u0111i\u1ec1u kh\u00f4ng ai c\u00f3 th\u1ec3 l\u01b0\u1eddng tr\u01b0\u1edbc. T\u1ea1i Nh\u1eadt, n\u1ebfu x\u1ea3y ra tai n\u1ea1n nghi\u00eam tr\u1ecdng l\u00e0m h\u1ecfng si\u00eau xe \u0111\u1eaft ti\u1ec1n ho\u1eb7c g\u00e2y t\u1ed5n h\u1ea1i c\u00f4ng tr\u00ecnh c\u00f4ng c\u1ed9ng, s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng d\u00e2n s\u1ef1 theo ph\u00e1n quy\u1ebft c\u1ee7a t\u00f2a \u00e1n c\u00f3 th\u1ec3 l\u00ean t\u1edbi h\u00e0ng ch\u1ee5c tri\u1ec7u \u0111\u1ebfn h\u00e0ng tr\u0103m tri\u1ec7u y\u00ean (h\u00e0ng ch\u1ee5c t\u1ef7 \u0111\u1ed3ng)<\/strong> \u2013 m\u1ed9t con s\u1ed1 c\u00f3 th\u1ec3 ph\u00e1 h\u1ee7y ho\u00e0n to\u00e0n t\u01b0\u01a1ng lai t\u00e0i ch\u00ednh c\u1ee7a b\u1ea1n n\u1ebfu kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m chi tr\u1ea3.<\/p>\n

B\u00e0i vi\u1ebft n\u00e0y t\u1eeb 4BanhJP<\/strong> s\u1ebd gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 b\u1ea3n ch\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ea1i Nh\u1eadt, c\u00e1ch l\u1ef1a ch\u1ecdn c\u00e1c \u0111i\u1ec1u kho\u1ea3n t\u1ed1i \u01b0u v\u00e0 m\u1eb9o mua b\u1ea3o hi\u1ec3m online gi\u00e1 r\u1ebb nh\u1ea5t.<\/p>\n

1. Ph\u00e2n bi\u1ec7t B\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c (Jibaiseki) v\u00e0 B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n (Nin-i Hoken)<\/h2>\n

R\u1ea5t nhi\u1ec1u ng\u01b0\u1eddi m\u1edbi sang Nh\u1eadt nh\u1ea7m t\u01b0\u1edfng r\u1eb1ng xe \u0111\u00e3 c\u00f3 b\u1ea3o hi\u1ec3m Shaken th\u00ec kh\u00f4ng c\u1ea7n mua th\u00eam b\u1ea3o hi\u1ec3m n\u00e0o kh\u00e1c. \u0110\u00e2y l\u00e0 sai l\u1ea7m ch\u1ebft ng\u01b0\u1eddi!<\/p>\n

    \n
  • B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 b\u1eaft bu\u1ed9c (Jibaiseki Hoken – \u81ea\u8ce0\u8cac\u4fdd\u967a):<\/strong> \u0110\u00e3 \u0111\u00f3ng s\u1eb5n khi l\u00e0m Shaken. B\u1ea3o hi\u1ec3m n\u00e0y CH\u1ec8 b\u1ed3i th\u01b0\u1eddng th\u01b0\u01a1ng t\u1eadt v\u1ec1 con ng\u01b0\u1eddi<\/strong> v\u1edbi h\u1ea1n m\u1ee9c c\u1ef1c th\u1ea5p (t\u1ed1i \u0111a 3.000 man khi t\u1eed vong, t\u1ed1i \u0111a 120 man cho vi\u1ec7n ph\u00ed). N\u00f3 HO\u00c0N TO\u00c0N KH\u00d4NG b\u1ed3i th\u01b0\u1eddng b\u1ea5t k\u1ef3 1 y\u00ean n\u00e0o cho t\u00e0i s\u1ea3n<\/strong> (xe \u0111\u1ed1i ph\u01b0\u01a1ng, c\u1ed9t \u0111i\u1ec7n, t\u01b0\u1eddng nh\u00e0, h\u00e0ng r\u00e0o \u0111\u01b0\u1eddng k\u00ednh…).<\/li>\n
  • B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n (Nin-i Hoken – \u4efb\u610f\u4fdd\u967a):<\/strong> L\u00e0 h\u1ee3p \u0111\u1ed3ng b\u1ea1n ch\u1ee7 \u0111\u1ed9ng k\u00fd v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u01b0 nh\u00e2n \u0111\u1ec3 chi tr\u1ea3 cho t\u1ea5t c\u1ea3 c\u00e1c kho\u1ea3n v\u01b0\u1ee3t qu\u00e1 gi\u1edbi h\u1ea1n c\u1ee7a Jibaiseki, bao g\u1ed3m b\u1ed3i th\u01b0\u1eddng xe \u0111\u1ed1i ph\u01b0\u01a1ng, xe c\u1ee7a m\u00ecnh v\u00e0 vi\u1ec7n ph\u00ed ng\u01b0\u1eddi ng\u1ed3i trong xe.<\/li>\n<\/ul>\n
    \n \"C\u1ea9m
    B\u1ea3o hi\u1ec3m \u00f4 t\u00f4 t\u1ef1 nguy\u1ec7n l\u00e0 l\u00e1 ch\u1eafn t\u00e0i ch\u00ednh quan tr\u1ecdng nh\u1ea5t b\u1ea3o v\u1ec7 b\u1ea1n tr\u01b0\u1edbc nh\u1eefng v\u1ee5 \u0111\u1ec1n b\u00f9 h\u00e0ng \u1ee9c y\u00ean t\u1ea1i Nh\u1eadt.<\/figcaption><\/figure>\n

    2. 4 \u0110i\u1ec1u kho\u1ea3n c\u1ed1t l\u00f5i b\u1eaft bu\u1ed9c ph\u1ea3i ch\u1ecdn khi mua b\u1ea3o hi\u1ec3m<\/h2>\n

    Khi thi\u1ebft l\u1eadp h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n, h\u00e3y \u0111\u1ea3m b\u1ea3o b\u1ea1n t\u00edch ch\u1ecdn \u0111\u00fang 4 h\u1ea1ng m\u1ee5c sinh m\u1ec7nh sau:<\/p>\n

      \n
    1. B\u1ed3i th\u01b0\u1eddng t\u1ed5n h\u1ea1i th\u00e2n th\u1ec3 \u0111\u1ed1i ph\u01b0\u01a1ng (Taishin Baisho – \u5bfe\u4eba\u8ce0\u511f):<\/strong> B\u1eaft bu\u1ed9c ch\u1ecdn m\u1ee9c Kh\u00f4ng gi\u1edbi h\u1ea1n (Mukigen – \u7121\u5236\u9650)<\/strong>. N\u1ebfu ch\u1eb3ng may g\u00e2y tai n\u1ea1n t\u1eed vong, b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 to\u00e0n b\u1ed9 s\u1ed1 ti\u1ec1n h\u00e0ng \u1ee9c y\u00ean m\u00e0 t\u00f2a \u00e1n ph\u00e1n quy\u1ebft.<\/li>\n
    2. B\u1ed3i th\u01b0\u1eddng t\u1ed5n h\u1ea1i t\u00e0i s\u1ea3n \u0111\u1ed1i ph\u01b0\u01a1ng (Taibutsu Baisho – \u5bfe\u7269\u8ce0\u511f):<\/strong> B\u1eaft bu\u1ed9c ch\u1ecdn m\u1ee9c Kh\u00f4ng gi\u1edbi h\u1ea1n (Mukigen – \u7121\u5236\u9650)<\/strong>. \u0110\u1ea3m b\u1ea3o b\u1ed3i th\u01b0\u1eddng tr\u1ecdn g\u00f3i k\u1ec3 c\u1ea3 khi va ch\u1ea1m v\u00e0o xe sang Rolls-Royce hay l\u00e0m gi\u00e1n \u0111o\u1ea1n \u0111o\u00e0n t\u00e0u \u0111i\u1ec7n Shinkansen.<\/li>\n
    3. B\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u1eadt th\u00e2n th\u1ec3 cho b\u1ea3n th\u00e2n v\u00e0 ng\u01b0\u1eddi tr\u00ean xe (Jinshin Shogai – \u4eba\u8eab\u50b7\u5bb3):<\/strong> Ch\u1ecdn m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1eeb 3.000 \u0111\u1ebfn 5.000 man\/ng\u01b0\u1eddi<\/strong> \u0111\u1ec3 chi tr\u1ea3 to\u00e0n b\u1ed9 vi\u1ec7n ph\u00ed v\u00e0 ti\u1ec1n l\u01b0\u01a1ng ngh\u1ec9 vi\u1ec7c cho b\u1ea1n v\u00e0 gia \u0111\u00ecnh n\u1ebfu g\u1eb7p tai n\u1ea1n.<\/li>\n
    4. \u0110i\u1ec1u kho\u1ea3n \u0111\u1eb7c quy\u1ec1n Lu\u1eadt s\u01b0 (Bengoshi Tokuyaku – \u5f01\u8b77\u58eb\u7279\u7d04):<\/strong> Ch\u1ec9 t\u1ed1n th\u00eam kho\u1ea3ng 200 \u2013 300 y\u00ean\/th\u00e1ng, c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd chi tr\u1ea3 t\u1edbi 300 man ti\u1ec1n thu\u00ea lu\u1eadt s\u01b0 chuy\u00ean nghi\u1ec7p \u0111\u1ea1i di\u1ec7n cho b\u1ea1n \u0111\u00e0m ph\u00e1n trong c\u00e1c v\u1ee5 tai n\u1ea1n m\u00e0 b\u1ea1n l\u00e0 n\u1ea1n nh\u00e2n b\u1ecb \u0111\u00e2m t\u1eeb ph\u00eda sau (l\u1ed7i 10:0).<\/li>\n<\/ol>\n

      3. H\u1ec7 th\u1ed1ng C\u1ea5p b\u1eadc gi\u1ea3m gi\u00e1 (Rank \/ Tokyu – \u7b49\u7d1a)<\/h2>\n

      Ph\u00ed b\u1ea3o hi\u1ec3m t\u1ea1i Nh\u1eadt \u0111\u01b0\u1ee3c \u0111\u1ecbnh gi\u00e1 d\u1ef1a theo h\u1ec7 th\u1ed1ng 20 C\u1ea5p b\u1eadc (Tokyu)<\/strong>:<\/p>\n

        \n
      • Ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m l\u1ea7n \u0111\u1ea7u ti\u00ean s\u1ebd b\u1eaft \u0111\u1ea7u \u1edf C\u1ea5p 6 (6 Tokyu)<\/strong>.<\/li>\n
      • M\u1ed7i n\u0103m h\u1ee3p \u0111\u1ed3ng n\u1ebfu kh\u00f4ng x\u1ea3y ra tai n\u1ea1n ph\u1ea3i b\u1ed3i th\u01b0\u1eddng, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c t\u0103ng th\u00eam 1 C\u1ea5p<\/strong> v\u00e0 \u0111\u01b0\u1ee3c chi\u1ebft kh\u1ea5u gi\u1ea3m ph\u00ed t\u1eeb 5% \u2013 10%.<\/li>\n
      • Khi \u0111\u1ea1t \u0111\u1ebfn C\u1ea5p 20 (20 Tokyu)<\/strong>, b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c gi\u1ea3m gi\u00e1 t\u1ed1i \u0111a l\u00ean t\u1edbi 63%<\/strong> ph\u00ed b\u1ea3o hi\u1ec3m h\u00e0ng n\u0103m!<\/li>\n
      • Ng\u01b0\u1ee3c l\u1ea1i, n\u1ebfu g\u00e2y tai n\u1ea1n c\u00f3 y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m chi tr\u1ea3, b\u1ea1n s\u1ebd b\u1ecb t\u1ee5t 3 C\u1ea5p (Sankyu Down) v\u00e0o n\u0103m ti\u1ebfp theo v\u00e0 b\u1ecb t\u00ednh ph\u00ed ph\u1ea1t t\u00e0i x\u1ebf r\u1ee7i ro.<\/li>\n<\/ul>\n

        4. M\u1eb9o mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 online r\u1ebb h\u01a1n 30% qua Kakaku.com<\/h2>\n

        Thay v\u00ec mua b\u1ea3o hi\u1ec3m qua c\u00e1c \u0111\u1ea1i l\u00fd truy\u1ec1n th\u1ed1ng (Agency Insurance) v\u1ed1n ph\u1ea3i ch\u1ecbu chi ph\u00ed hoa h\u1ed3ng nh\u00e2n vi\u00ean t\u01b0 v\u1ea5n cao, b\u1ea1n n\u00ean t\u1ef1 mua qua c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn (Direct Insurance) nh\u01b0 Sony Sompo, SBI Sompo, E.design Sompo, Zurich, Mitsui Direct<\/strong>.<\/p>\n

        Truy c\u1eadp v\u00e0o trang web Kakaku.com<\/strong> ho\u1eb7c Insweb<\/strong>, nh\u1eadp th\u00f4ng tin xe v\u00e0 b\u1eb1ng l\u00e1i c\u1ee7a b\u1ea1n, h\u1ec7 th\u1ed1ng s\u1ebd t\u1ef1 \u0111\u1ed9ng so s\u00e1nh b\u00e1o gi\u00e1 c\u1ee7a 8 c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u1edbn c\u00f9ng l\u00fac trong v\u00f2ng 5 ph\u00fat. B\u1ea1n c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m ngay t\u1eeb 2 \u0111\u1ebfn 4 man m\u1ed7i n\u0103m<\/strong> cho c\u00f9ng m\u1ed9t quy\u1ec1n l\u1ee3i b\u1ea3o v\u1ec7!<\/p>\n","protected":false},"excerpt":{"rendered":"

        Ph\u00e2n t\u00edch chi ti\u1ebft b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c Jibaiseki vs b\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n Nin-i Hoken: c\u00e1ch ch\u1ecdn g\u00f3i b\u1ed3i th\u01b0\u1eddng Taishin\/Taibutsu kh\u00f4ng gi\u1edbi h\u1ea1n, m\u1eb9o t\u0103ng Rank gi\u1ea3m 60% ph\u00ed v\u00e0 c\u00e1ch so s\u00e1nh gi\u00e1 online.<\/p>\n","protected":false},"author":1,"featured_media":144,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[36],"tags":[],"class_list":["post-143","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-meo-dung-xe"],"blocksy_meta":{"styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":7}},"_links":{"self":[{"href":"https:\/\/4banh.jp\/index.php\/wp-json\/wp\/v2\/posts\/143","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/4banh.jp\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/4banh.jp\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/4banh.jp\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/4banh.jp\/index.php\/wp-json\/wp\/v2\/comments?post=143"}],"version-history":[{"count":0,"href":"https:\/\/4banh.jp\/index.php\/wp-json\/wp\/v2\/posts\/143\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/4banh.jp\/index.php\/wp-json\/wp\/v2\/media\/144"}],"wp:attachment":[{"href":"https:\/\/4banh.jp\/index.php\/wp-json\/wp\/v2\/media?parent=143"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/4banh.jp\/index.php\/wp-json\/wp\/v2\/categories?post=143"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/4banh.jp\/index.php\/wp-json\/wp\/v2\/tags?post=143"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}