Bảo hiểm cho người lao động tại công ty cổ phần dịch vụ thương mại tổng hợp vincommerce

13406 LV.ThS DHKTQD TRl/ONG DAI HOC KINH TE QUOC DAN - fyo iCQjo^ TRirdNG 0HKTQD| if TFj/jV, 7*1 ft'> VO THI I’lll THAO BAO HIEM CHO \Gl()l LAO DONG TAI • • CONG TY CO PHAN DICH VU• THIJONG MAI • • TONG HOP VINCOMMERCE Chuyen nganh: Kinh te bao hiem LUAN VAN THAC SI KINH TE • • Ngudi huong dan khoa hoc: TS NGUYEN THI HAI DlTONG I HOC K.T.Q.D ONG TIN THU’Vlf- HA NOI, NAM 2017 ■4 LOI CAM DOAN Tdi da doc va hieu ve cac hanh vi vi pham su trung thuc hoc thuat Tdi cam ket bang danh du cd nhan rang nghien cuu tdi tu thuc hien va khong vi pham yeu cau ve su trung thuc hoc thuat Lutin van tot nghiep thac si Bao hiem cho ngud'i lao dong tai Cdng ty Cd phtin Dich vu Thuong mqi Tong hop Vincommerce la cong trinh cua rieng toi qua trinh hoc tap va nghien cuu chuyen nganh Kinh te Bao hiem - Trucmg Dai hoc Kinh Te Qudc Dan, duoc thuc hien dudi su hudng dan cua TS Nguyen Thi r ■> r r Hai Duong, Khoa Kinh te Bao hiem, trudng Dai hoc Kinh Te Qudc Dan Tac gia Vo Thi Phirong Thao LOI CAM ON Toi xin gui ldi cam on chan va sau sac tdi Ban Giam Hieu nha trudng, Vien dao tao Sau Dai Hoc, va toan the cac thay co giang vien khoa Kinh te Bao hiem trudng Dai hoc Kinh Te Qudc Dan da tao dieu kien va giup dd tdi tan tinh thdi gian hoc tap va nghien cuu Thac si ung dung chuyen nganh Kinh te Bao hiem tai trudng Dai hoc Kinh Te Qudc Dan Tdi xin gui ldi cam on dac biet den TS Nguyen Thi Hai Duong, khoa Kinh te Bao hiem, trudng Dai hoc Kinh Te Qudc Dan da hudng dan, chi bao het sue tan tinh cho tdi suot qua trinh thuc hien nghien cuu Cuoi cung, tdi xin tran cam on Ban lanh dao, cac phong ban, cac anh chi Nhan vien Cong ty Cd phan Dich vu Thuong mai Tong hop Vincommerce va cac co quan cd lien quan da giup dd, cung cap thong tin va tao dieu kien cho tdi hoan nghien cuu Tac gia Vo Thi Phuong Thao YEU CAU CUA HOI DONG CHAM LUAN VAN THAC SI VE Nhtrng diem can sua chua bo sung truoc nop luan van chinh thuc cho Vien dao tao SDH : ' QLJ ^L d( khong chi co nhu cau, ma duqc phap luat quy dinh bat buoc cac chu doanh nghiep phai tham gia dong bao hiem cho ngubi lao dong ma ho sir dung, bao gbm: BHXH, BHTN va BHYT Ngoai ra, co the tham gia cac loai hinh bao hiem khac, theo thuc te hoat dong cua doanh nghiep Ngoai ra, luan van lam ro su can thiet phai co chuong trinh va quan ly cac chuong trinh bao hiem cho ngubi lao dong; cac nhan to anti hubng den viec cho ngirdi lao dong tai Cong ty Co phan dich vu TMTH Vincommerce, bao y y y • gom cac noi dung chinh ve tinh hinh lao dong, nhu cau bao hiem, chirong trinh bao hiem tai cong ty va thuc trang quan ly cac chuong trinh Bang may thuc hien va quan ly ve moi trubng lam viec, ve lpi ich ma ngubi lao dong thu hubng; ve muc hai long cho ngubi lao dong doi vdi cac chuorng 9 trinh bao hiem b cong ty trien khai v.v Ben canh do, luan van cung chi ro x r r r i nhtrng van de han che, nguyen nhan cua nhtrng han che de co co sb thuc te de xuat cac giai phap b chuong Nhin chung day la noi dung duqc trinh r bay va phan tich kha ky lubng, cu the va co sue thuyet phuc y r c Trong chuong 3, sau trinh bay chien luoc phat trien nguon nhan yr e y e luc tai cong ty, luan van da de xuat nhom giai phap nham hoang thien va r , , nang cao chat luqng chuong trinh bao hiem cho ngubi lao dong tai cong ty Cd phan dich vu TMTH Vincommerce Nhin chung, day la nhtrng giai phap phu r r hop, sat thuc te va co tinh kha thi Cac giai phap trinh bay kha thuyet phuc r r d Ket cau luan van hop ly, logic, van phong ro rang, mach lac a Tac gia can xem lai chucmg trinh BHXH, BHYT, BHTN, vi day la / r nhung loai hinh bao hiem bat buoc theo luat dinh, vi the noi dung quan ly b day la gi thi chua ro b Bang 2.4 (tr.52) can xem lai luat BHXH sua doi nam 2014 va co hieu luc tu 01/01/2016 day la ban luan van duqc nghien cuu kha cong phu, bai ban Luan van dap ung duqc yeu cau cua mot ban luan van thac sy kinh te va tac gia xung dang duqc cong nhan hoc vi thac sy kinh te bao hiem neu bao ve cong Ha Noi, 20 thang 12 nam 2017 Ngirbi viet nhan xet PGS.TS Nguyen Van Dinh Cau hoi: Viec phap luat quy dinh, cac chu su dung lao dong tham gia BHXH, BHTN va BHYT bat buoc se dem lai loi ich gi cho chinh ho? NHAN XET LUAN VAN THAC SY KINH TE Ten de tai: •> A “Bao hiem cho ngubi lao dong tai Cong ty co phan dich vu thiroug mai tong hop Vincommerce” Hoc vien: Vo Thi Phuong Thao Chuyen nganh: Kinh te bao hiem •> r Phan bicn TS Nguyen Van Thanh Sau doc noi dung ban chinh, tom tat luan van, toi cd mot so y r kien nhan xet sau day: r ■* r , Tinh cap thict, y nghia khoa hoc cua de tai luan van x r r Cung vdi su phat trien nhanh cua nen kinh te dat nude, linh vuc z kinh te tu nhan cung dan trd dong luc phat trien chu yeu vdi sir hinh va phat trien cua cac tap doan, tong cong ty tu nhan Dong thbi tinh z z hinh canh tranh tren thi trubng cang khde liet da khien cac chu donah r x Z A nghiep phai quan tarn hon den quyen lpi ngubi lao dong cua doanh nghiep minh, vira thu hut nhan tai vira gin giu ho de gan bo phat trien nghe nghiep A lau dai vdi doanh nghiep Chinh vi vay, viec nghien cuu ve bao hiem cho ngubi lao dong tu giac cua chu lao dong doanh nghiep tu nhan la mot hubng nghien cuu bo ich va phu hop vbi thuc tien z Nhung ket qua dat duo’c Luan van Z Nhung ket qua dat duoc tu nghien cuu cua hoc vien cd the ghi nhan nhu sau: ' A Thu- nhcit, hoc vien da gidi thieu co sb khoa hoc ve bao hiem cho ngubi lao dong tai doanh nghiep, viec xay dung va quan ly chucmg trinh bao hiem cho ngubi lao dong Thu- hai, hoc vien phan tich thuc trang bao hiem cho ngubi lao dong tai Vincommerce A Z Thu- ba, hoc vien da manh dan de xuat cac nhom giai phap hoan thien cong tac bao hiem cho ngubi lao dong tai Vincommerce cung nhu dua mot so kien nghi vdi Tap doan Vingroup va co quan quan ly nha KET LUAN Bao dam quyen loi cua Nguoi lao dong cung nhu thu hut va giu chan nhan tai boi canh nen kinh te hoi nhap cua The ky 21 cang duoc Nha nuoc cung nhu cac Doanh nghiep ta coi Nguoi lao dong la nguoi truc tiep lam cac san pham hang hoa, dich vu nen truoc het ho phai la nguoi duoc hudng loi, duoc chia se qua cua qua trinh Trong nhung nam qua, voi nhung co gang cua cac co quan ban nganh, voi cac chinh sach, Luat duoc dua ra, quyen loi cua NLD da duoc nang len ro ret Nhan thuc cua Doanh nghiep ve vai trd cua NLD vao nen tang cho su canh tranh va phat trien cang duoc nang cao Trong cac chinh sach Nha nuoc da ban hanh, Luat BHXH 2014, Luat BHYT 2014, Luat viec lam 2013 da co nhieu diem tien bo dang ghi nhan nhu khac phuc han che chinh sach, phap luat ve Bao hiem hien hanh, thao go kho khan qua trinh thuc hien cung nhu hoat dong tuyen truyen duoc to chuc linh hoat va phu hop de tiep can toi NLD hon Ban duoi goc Doanh nghiep, ho da cap nhat rat nhanh co che moi, co buoc thay doi va chuyen minh phu hop voi dieu kien kinh te cung nhu the che phap luat, bao dam hoat dong kinh doanh cung nhu can bang loi l'ch giua NLD va chu su dung lao dong Ben canh do, nhieu Doanh nghiep da co chien luoc nguon nhan luc phu hop voi muc tieu thu hut va giu chan nguoi lao dong co trinh do, phat trien van hoa su dung hien tai voi nhieu che dai ngo tot Tuy nhien, thong qua phan tich, danh gia cong tac thuc hien Bao hiem cho Nguoi lao dong tai Cong ty co phan Dich vu Thuong mai Tong hop Vincommerce, tac gia nhan thay viec thuc hien co nhieu kho khan, cu the la (1) su nhan thuc cua ban than Nguoi lao dong-doi tuong hudng loi truc tiep tu cac chinh sach cOn chua sau sac va co thai dung dan; (2) Doanh nghiep loay hoay cong tac truyen thong cung nhu tinh toan Chi phi, loi ich minh thu duoc tu cac chinh sach quan tri, co chinh sach Bao hiem cho Nguoi lao dong Tu phan tich nhung uu diem va nhuoc diem, ket hop nhan dinh co hoi va thach thuc viec thuc hien Bao hiem cho Nguoi lao dong tai hat nhan la tung Doanh nghiep, Tac gia de xuat mot so giai phap hoan thien cong tac Bao hiem cho ngudi lao dong tai Cong ty Co phan Dich vu Thuong mai Tong Hop Vincommerce noi rieng, va cac Doanh nghiep khac tai Viet Nam noi chung Muc tieu huong tdi bao dam quyen lpi cua Ngudi lao dong thong qua thuc hien chinh sach Bao hiem bat buoc, thiet ke cac chuong trinh Bao hiem sue khoe, tich cue dao tao, truyen thong cho NLD, nam bat nhu cau thuc te de co chien lupc hpp ly Trong qua trinh nghien cuu, mot sd rao can ve dia ly (chi nghien cuu tren dia ban mien Bac) nen luan van khong tranh khdi mot sd thieu sot qua trinh thu thap thong tin va nhan dinh tinh hinh, tac gia kinh mong cac thay cd cd y kien danh gia va gop y de nghien cuu dupc hoan thien hon nua Tran cam on DANH MUC TAI LIEU THAM KHAO • • Nguyen Van Dinh (2012), Giao trinh Bao hiem, NXB Dai hoc Kinh te quoc dan Ha Noi Nguyen Thi Hai Duong, Nguyen Thi Chinh (2016), Quan ly rui ro va Bao hiem (Sach chuyen khao), NXB Lao dong-Xa hoi, Ha Noi Cong ty Co phan Dich vu Thuong mai Tong hop Vincommerce (2015, 2016), Quy che Cdng ty, Bao cao Tai chinh, Bao cao nhan sy noi bo, Bao cao Dao tao, Bao cao Quan tri, Ha Noi Bo Lao dong, Thuong binh va Xa hoi (2016), Ban tin cap nhat thi trudng lao dong so 8, Quy IV nam 2015, Ha Noi Bo Lao dong, Thuong binh va Xa hoi (2017), Ban tin cap nhat thi trudng lao dong so 12, Quy IV nam 2016, Ha Noi Talentnet Coporation, Tom lucre bao cao khao sat luang 2016 Bao hiem xa hoi Viet Nam (2015), Quyet dinh so 959/QD-BHXH Ban hanh quy dinh ve quan ly thu Bao hiem xa hoi, Bao hiem y te, Bao hiem that nghiep; Quan ly sd Bao hiem xa hoi, The Bao hiem y te, Ha Noi Bao hiem xa hoi Viet Nam (2016), Quyet dinh sd 636/QD-BHXH Ban hanh quy dinh ve ho so’ va quy trinh gidi quyet hudng cac che Bao hiem xa hoi, Ha Noi Bo Lao dong-thuong binh va Xa hoi (2015), Thong tir sd 59/2015/TT-BLDTBXH Quy dinh chi tiet va hudng dan thi hanh mot sd dieu cua Luat Bao hiem xa hoi ve Bao hiem xa hoi bat buoc, Ha Noi 10 Bo Lao dong-thuong binh va Xa hoi (2015), Thong tu sd 23/2015/TT-BLDTBXH hudng dan thuc hien mot sd dieu ve tien luang cua Nghi Dinh sd 05/2015/NDCP 12 thang 01 nam 2015 cua Chinh phu quy dinh chi tiet va hudng dan thi hanh mot sd noi dung cua Bo Luat lao dong, Ha Noi 11 Bo Lao dong, Thuang binh va Xa hoi (2015), Thong tu sd 47/2015/TTBLDTBXH hudng dan thuc hien mot sd dieu ve Hap dong, Ky luat lao dong, trach nhiem vat chat cua Nghi Dinh sd 05/2015/ND-CP 12 thang 01 nam 2015 cua Chinh phu quy dinh chi tiet va hudng dan thi hanh mot so noi dung cua Bo Luat lao dong, Ha Noi 12 Chinh phu (2015), Nghi dinh so 115/2015/ND-CP Quy dinh chi tiet mot so dieu cua Luat Bao hiem xa hoi ve Bao hiem xa hoi Bat buoc, Ha Noi 13 Chinh phu (2014), Nghi dinh so 105/2014/ND-CP Quy dinh chi tiet va hudng dan thi hanh mot so dieu cua Luat Bao hiem Y te, Ha Noi 14 Chinh phu (2015), Nghi dinh so 28/2015/ND-CP Quy dinh chi tiet thi hanh mot r \ \ r so dieu cua Luat viec lam ve Bao hiem that nghiep, Ha Noi 15 Chinh phu (2016), Nghi dinh so 37/2016/ND-CP Quy dinh chi tiet va hudng dan r \ \ thi hanh mot so dieu cua Luat An toan, ve sinh lao dong ve Bao hiem tai nan lao dong, benh nghe nghiep bat buoc, Ha Noi 16 Chinh phu (2015), Nghi dinh so 05/2015/ND-CP Quy dinh chi tiet va hudng dan r thi hanh mot so noi dung cua Bo Luat Lao dong, Ha Noi 17 Quoc hoi (2014), Luat Bao hiem xa hoi, Ha Noi 18 Quoc hoi (2014), Luat sua ddi, bo sung mot so dieu cua Luat Bao hiem Y te, Ha Noi 19 Quoc hoi (2013), Luat viec lam, Ha Noi 20 Quoc hoi (2000), Luat cua Quoc hoi nudc Cong hoa Xa hoi Chu Nghia Viet Nam so 24/2000/QH10 09 thang 12 nam 2000 ve Kinh doanh bao hiem, Ha Noi 21 Quoc hoi (2012), Bo Luat lao dong, Ha Noi 22 Quoc hoi (2013), Hien phap Nudc Cong hda Xa hoi Chu Nghia Viet Nam, Ha Noi 23 Wright (2008), Human Resource Strategy: Adapting to the Age of Globalization, SHRM 24 Pfeffer (1995), Producing Sustainable Competitive Advantage Through the Effective Management of People, Academy of Management Executive I PHU• LUC • Phu luc 01: Mau phieu dieu tra PHIEU KHAO SAT MlC DO HIEU DIET VA SU* HAI LONG CUA CBCNV VE CHINH SACH BAO HIEM CHO NGUOI LAO DONG CUA CONG TY CO PHAN DICH VU THUONG MAI TONG HOP VINCOMMERCE (Phuc vu nghien cuu Luan van thac sy) Muc dich khao sat: Phieu khao sat co muc dich thu thap y kien, danh gia muc hieu biet va hai long cua Can bo cong nhan vien ve chinh sach Bao hiem cho nguoi lao dong cua Cong ty Cd phan Dich vu Thuong mai Tong hpp Vincommerce de tao co so thuc tien cho viec nghien cuu luan van thac sy Cam ket: Cac thong tin ca nhan thu thap se dupc dam bao bao mat, khong cung cap cho bat ki ca nhan hoac to chuc nao vi muc tieu lpi nhuan hoac phi lpi nhuan neu khong dupc su cho phep cua doi tuong khao sat Tac gia cam ket cac thong tin thu thap dupc phieu dieu tra chi dupc su dung vdi muc dich nhat la bo sung co so thuc tien giup hoan thien nghien cuu, khong su dung cho bat ki muc tieu lpi nhuan nao THONG TIN CA NHAN Thong tin ca nhan Ho va ten: Do tuoi: Phan nhom doi tuong dieu tra 2.1 Nam Giai tinh Nu II 2.2 2.3 Vi tri/cap chuc danh: CBLD cdp T, P CBLD cdp C Chuyen vien Nhan vien Khdi/phong ban: Khoi Head Office Khoi Giao van 2.4 Kinh doanh/ban hang Trinh van hoa Trung hoc thong Tren Dai hoc Ghi chu dac biet Dai hoc/Cao Dang Ill THONG TIN CHUNG Cau hoi 1: Thoi gian lam viec tai Cong ty cua anh/chi? Dudi thang Tren thang den nam Tu 1-2 nam Tren nam Cau hoi 2: Mong muon, nhu cau ve loi ich dugc hudng tu Bao hiem xa hoi cua anh/chi la gi? Trg cap om dau Trg cap thai san Trg cap tai nan LD, benh NN Trg cap huu tri Trg cap cho ngudi cdn song Chua co nhu cau Cau hoi 3: Anh/chi da duoc hudng gi ve che BHXH thdi gian 2015­ 2016? a) Om dau Ban than om b) Thai san Con om IV Kham thai Say thai, nao hut thai, thai chet luu Sinh con, nuoi nuoi LD nu mang thai ho sinh LD nam nghi viec vo sinh LD nam Tro cap lan vo sinh c) Duong sue, phuc hoi sue khoe Nghi duong sue sau om dau Nghi duong sue sau thai san Nghi duong sue sau tai nan LD Cau hoi 4: Anh/chi co hai long ve che Bao hiem bat buoc (BHXH, BHYT, BHTN) dang ap dung hien tai cho ban than? Danh gia diem theo muc hai long Yeu to Rat thap ThSp Trung binh Tuong doi cao Rat cao Muc dong Phuong thuc huong/chi tra Giai quyet che nghi viec/thai san/om dau Su ho tro cua phong ban lien quan (phdng Nhan su) V Cau hoi 5: Hieu biet cua anh/chi ve quyen loi BHSK dang duoc ap dung cho ban than? Rat Yeu to Trung Tuong binh doi cao Thap thap Bang quyen loi Rat cao 5 5 Phuong thue hudng/ yeu eau ehi tra BH Thdi han giai quyet su kien Bao hiem Quyen loi di kem (mua BHSK eho ngudi than) Cau hoi 6: Nguon thong tin chu yeu ve Bao hiem suc khoe cua anh/chi la gi? Truyen nghiep, So tay huong dan, ban tin noi bo Dao tao true tiep tu Phong Nhan Trang thong tin noi bo, elip dao su, Phong Dao tao tao, khac, mieng (dong ngudi than, ) Cau hoi 7: Anh/chi da su dung the Bao hiem sac khoe lan nao thoi gian nghien cau chua, neu co thi su dung muc dich gi? Da su dung Chua su dung VI Neu da su- dung, thi hinh thuc su dung cua anh/chi la gi? Bao hiem tai nan Bao hiem sue khde Trong Dieu tri noi tru Dieu tri ngoai tru Cau hoi 8: Danh gia muc hai Idng cua anh/chi ve phuong thuc thuc hien yeu bo qua cau hoi De dang thuc hien Binh thuong Kho thuc hien Y kien gop y : Cau hoi 9: Anh/chi co mua bao hiem cho ngudi than theo che cong ty khong? Co Khong Cau hoi 10: Anh/chi vui long danh gia muc hai long ve chinh sach phuc loi Bao hiem sue khoe ma minh dang duoc huong Khong hai ldng Vua phai Khong ro Hai long De xuat ca nhan (neu co): vm Phu luc 02 Phi Hoi vien va quyen loi chuong trinh Hoi vien Vinmec Health Group cho Ngudi Viet Nam nam 2016 Chuyen vien Nhan vien Cap CBCNV CBLD cap P CBLD cap C CBLD cap T Ten the BASIC STANDARD PREMIUM PLANTINUM RUBY Loai goi BHSK tuong ting HD BH giua Bao Viet va ben A (VCM) Goi Goi Goi Goi Goi Phi hpi vien (VND) Khong bao gom phi BH 1.242.274 1.451.155 3.384.153 5.512.820 8.945.547 So lupng 8.367 1.179 250 132 70 Thanh tien (VND) 10.394.106.558 1.710.911.745 846.038.250 727.692.240 626.188.290 Dp tuoi Den 70 tuoi Den 70 tuoi Den 70 tuoi Den 70 tuoi (ngubi than tir 15 ngay-65 tuoi) Den 70 tuoi (nguoi than tir 15 ngay-65 tuoi) Quyen lpi ngoai tru V inmec cung cap Hpi vien su dyng dich vu tai cac co sb cua Vinmec Kham lam sing Da khoa chuyen khoa kham chuyen sau, kham tai cho (co dat hpn), kham cap cuu Mien phi lan tong tri gia hon tripu Mien phi Ian, tong tri gia hon triyu Mien phi lan tong tri gia hon trieu Mien phi 11 lan tong tri gia gan trieu Mien phi khong gibi han so lan Kham sire khoe Tong quat hoac 01 lan str dung dich vu tai benh vipn co gia tri tuong duong (co dat h?n) Mien phi chuong trinh kham SKTQ trj gia 900.000 VND itoSc 01 lan kham ngoai tru tai vi?n co gia tri tuong duong 900.000 VND Mibn phi chuong trinh kham SKTQ trj gia 1.400.000 VND ho&c 01 lan kham ngoai tru tai vien co gia tri tuong duong L400.000 VND Mien phi chuong trinh kham SKTQ tri gia 3.200.000 VND hoac 01 lan kham ngoai tru tai vien co gia tri tuong duong 3.200.000 VND Mien phi chuong trinh kham SKTQ tri gia 5.600.000 VND hope 01 lan kham ngoai tru tai vi?n co gia tri tuong duong 5.600.000 VND Mien phi chuong trinh kham SKTQ tri gia 5.600.000 VND hoac 01 lan kham ngoai tru tai vien co gia tri tuong duong 5.600.000 VND Cac lan kham khong dat hen va tiep theo ngoai cac lan mien phi neu tren Giam 10% Giam 10% Giam 20% Giam 30% Giam 50% Cac dich vu Nha khoa va Can lam sang (Chyp, chieu xet nghipm) Giam 10% Giam 10% Giam 20% Giam 30% Giam 40% Giam 10% Giant 15% Giant 30% Cac chuong trinh tryn goi khac Qyen lpi bao hiem sue khoe Giam 5% Giam 5% Theo HD bao hiem giua Bao Viet va ben A (VCM) IX Phu luc 03 Bang quyen loi bao hiem cho Ngudi nudc ngoai nam 2016 QUYEN LOI BAO HIEM PHAN 1: QUYEN LQI CHINH PHAM VI BAO HIEM: Don bao hidm se boi thuong cho Nguoi duoc bao hiem cac chi phi y te, chi phi van chuyen y te cap cuu de dieu tri tai nan, om dau, benh tat phat sinh thoi han bao hiem, khong bao gOm nhung diem loai tru don bao hiem Don vi: VND SO T1EN BAO HIEM IP2 IP3 Chau A tru Nhat Toan cau tru My va Viet Nam Ban, Hong Kong Canada Toan cau 1.029.000.000 2.058.000.000 4.987.500.000 9.975.000.000 4.100.000 6.200.000 10.200.000 20.000.000 Toan bo T oan bo Toan bo Toan bo Toan bo T oan bo Toan bo Toan bo Chi phi y te vat ly tri lieu (gidi han 60 mot thoi han bao hiem) 2.000.000 4.000.000 6.000.000 12.600.000 Chi phi kham vdng 30 trudc nhap vifn 20.000.000 41.000.000 60.000.000 100.000.000 20.000.000 41.000.000 60.000.000 100.000.000 Toan bo Toan bo Toan bo Toan bo 600.000.000 800.000.000 1.200.000.000 2.500.000.000 Dieu tri cap cuu bfnh hoac tai nan Toan bo Toan bo Toan bo Toan bo Dieu tri rang cap cuu tai nan Toan bo Toan bo Toan bo Toan bo DIEU TRI NQI TRU & VAN CHUYEN Y TE CAP CU’U Gidi han lanh tho So tien bao hiem toi da Tien phdng/ngay Phdng cham sdc dac bift (toi da 30 ngay) IPI IP4 Chi phi benh vien tong hop (chi phi y te can thiet phat sinh thoi gian nam vien) Chi phi tai kham va y ta cham sdc tai nha phat sinh sau xuat vien nhung khong qua 90 ke tu xuat vien Chi phi phau thuat Cay ghep noi tang (tim, phoi, gan, tuyen tuy, than hoSc xuong)/gidi han ca doi Dieu tri thai san cap cuu tai nan Toan bo Toan bo Toan bo Toan bo Van chuyen y te cap cuu v£ hoi huong Toan bo Toan bo To3n bo Toan bo 60.000.000/n3m 60.000 ooo/n3m 75.750.000/n3m Khong bao hiem 200.000.000/ca dOi 200.000.000/ca dOi 252.500.000/ca dOi 100.000 200.000 300.000 500.000 200.000.000 400.000.000 1.000.000.000 2.000.000.000 OP1 OP2 OP3 OP4 Chau A tru Nhat Toan cau tru My va Viet Nam Ban, Hong Kong Canada Toan cau 30.000.000 60.000.000 100.000.000 160.000.000 2.420.000 4.000.000 4.850.000 7.800.000 Dieu tri npi tru cho benh lien quan den roi loan tam than cap tinh TrQ’ cap nam vien (toi da 20 dem/thoi han bao hiem) Gioi han phu ap dung doi vdi benh dac biet/bpnh/ca doi (ap dung cho ca nhan va gia dinh, bao gOm chi phi noi, ngoai tru va van chuyen y te cap cuu) PHAN II QUYEN LQI BO SUNG l.DIEU TRI NGOAI TRU Giuo han lanh tho Gioi han chung Gioi han moi lan kham Quydn lpi Chi phi kham benh Ti£n thuoc theo ke don cua bac sy Chi phi xet nghiem, chan doan va dieu tri benh Dung cu y te Dieu tri vat ly tri lieu, tri lieu hoc buc xa, nhiet, CHAM SOC RANG (Chi ap dung Quyen lai bo sung l-"£)ieu tri ngoai tru" duac ap dung) Gioi han dia ly: Vi£t Nam Gi6i han chung: VND 21,000,000/ngu'd’i/thoi han bao hiem, bao gom: * Cac chi phi kham-chua rang (tu bao hiem 20%) * Lam rang gia (tu bao hiem 50%) THAI SAN VA SINH HE Gioi han lanh tho MI M2 M3 Chau A tru Nhat Toan cau tru My va Viet Nam Ban, Hong Kong Canada Toan cau 30.000.000 60.000.000 80.000.000 120.000.000 M4 a) Bien chung thai san va sinh kho b) Truong hop sinh de thong thudng: quyen loi se co hieu luc sau 12 thang ke tu tham gia bao hiem CHET VA TAN TAT VINH VIEN DO OM BENH Toan cau hoac Viet Pham vi lanh tho Nam Lua chon tu Quyen loi bao hiem co hieu luc sau 30 ke tu tham gia bao hiem doi vdi benh thong thudng, sau 12 thang doi vdi benh dac biet, benh co san va benh thai san va khong ap dung doi vdi ngudi tu 70 tuoi trd len VND 100.000.000 den VND 1.000.000.000 TAI NAN CA NHAN Toan cau hoSc Viet Pham vi lanh tho Nam Lua chon tu VND100.000.000 den VND 1(^00.000.000 Tur nitin 2/2017 Document Viewer Turnitin Originality Report Processed on: 26-Dec-2017 10:32 +07 ID: 866126446 Word Count: 46254 Submitted: 11 11 By Thao Vo Thi Phu'dng 2% match (Internet from 07-Apr-2017) Similarity by Source Similarity Index 19% Internet Sources: Publications: Student Papers: https://www.vincommerce.com/vinpro/st/1067-qioi-thieu-vinpro-st 1% match (Internet from 13-Apr-2016) http://www.nhankiet.vn 1% match (Internet from 05-Dec-2016) http://nhankiet.vn 1% match (Internet from 13-Jul-2017) http://baoquang.nga.Lvn 1% match (Internet from 18-Jul-2015) http://www.linhauana.vn 1% match (Internet from 21-May-2014) http://baohiem247.vn 1% match (Internet from 24-May-2013) http://thongtinphapluatdansu.edu.vn 1% match (student papers from 02-Dec-2017) Submitted to National Economics University on 2017-12-02 1% match (Internet from 27-Oct-2013) http://www.baohiemvietlife.com 1% match (student papers from 11-Dec-2017) Submitted to National Economics University on 2017-12-11 1% match (Internet from 19-Mar-2014) http://www.bhxhvinhlonq.aov.vn 1% match (Internet from 15-Sep-2014) http 7/baohiemxahoi com, 1% 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