{"id":21827,"date":"2026-04-30T15:17:46","date_gmt":"2026-04-30T08:17:46","guid":{"rendered":"https:\/\/www.okxe.vn\/blog\/?p=21827"},"modified":"2026-04-30T15:17:47","modified_gmt":"2026-04-30T08:17:47","slug":"bao-hiem-xe-may-co-bat-buoc","status":"publish","type":"post","link":"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc","title":{"rendered":"B\u1ea3o Hi\u1ec3m Xe M\u00e1y C\u00f3 B\u1eaft Bu\u1ed9c Kh\u00f4ng? Mua \u1ede \u0110\u00e2u, Online \u0110\u01b0\u1ee3c Kh\u00f4ng? [C\u1eadp Nh\u1eadt 2026]"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_60 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >N\u1ed9i Dung T&oacute;m T\u1eaft B&agrave;i Vi\u1ebft<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\" role=\"button\"><label for=\"item-69f33ed3267a8\" ><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input aria-label=\"Toggle\" aria-label=\"item-69f33ed3267a8\"  type=\"checkbox\" id=\"item-69f33ed3267a8\"><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc\/#Bao_Hiem_Xe_May_Co_Bat_Buoc_Khong_%E2%80%94_Cau_Tra_Loi_Chinh_Thuc\" title=\"B\u1ea3o Hi\u1ec3m Xe M\u00e1y C\u00f3 B\u1eaft Bu\u1ed9c Kh\u00f4ng? \u2014 C\u00e2u Tr\u1ea3 L\u1eddi Ch\u00ednh Th\u1ee9c\">B\u1ea3o Hi\u1ec3m Xe M\u00e1y C\u00f3 B\u1eaft Bu\u1ed9c Kh\u00f4ng? \u2014 C\u00e2u Tr\u1ea3 L\u1eddi Ch\u00ednh Th\u1ee9c<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc\/#Muc_phat_khi_khong_co_bao_hiem_xe_may\" title=\"M\u1ee9c ph\u1ea1t khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m xe m\u00e1y\">M\u1ee9c ph\u1ea1t khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m xe m\u00e1y<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc\/#Bao_Hiem_Xe_May_Da_Bo_Chua_%E2%80%94_Dinh_Chinh_Tin_Sai\" title=\"B\u1ea3o Hi\u1ec3m Xe M\u00e1y \u0110\u00e3 B\u1ecf Ch\u01b0a? \u2014 \u0110\u00ednh Ch\u00ednh Tin Sai\">B\u1ea3o Hi\u1ec3m Xe M\u00e1y \u0110\u00e3 B\u1ecf Ch\u01b0a? \u2014 \u0110\u00ednh Ch\u00ednh Tin Sai<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc\/#So_Sanh_Bao_Hiem_Bat_Buoc_va_Bao_Hiem_Tu_Nguyen_Xe_May\" title=\"So S\u00e1nh B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c v\u00e0 B\u1ea3o Hi\u1ec3m T\u1ef1 Nguy\u1ec7n Xe M\u00e1y\">So S\u00e1nh B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c v\u00e0 B\u1ea3o Hi\u1ec3m T\u1ef1 Nguy\u1ec7n Xe M\u00e1y<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc\/#Bao_Hiem_Xe_May_Mua_O_Dau_%E2%80%94_4_Kenh_Pho_Bien_Nhat\" title=\"B\u1ea3o Hi\u1ec3m Xe M\u00e1y Mua \u1ede \u0110\u00e2u? \u2014 4 K\u00eanh Ph\u1ed5 Bi\u1ebfn Nh\u1ea5t\">B\u1ea3o Hi\u1ec3m Xe M\u00e1y Mua \u1ede \u0110\u00e2u? \u2014 4 K\u00eanh Ph\u1ed5 Bi\u1ebfn Nh\u1ea5t<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc\/#Bao_Hiem_Xe_May_Online_%E2%80%94_Huong_Dan_Mua_Tung_Buoc\" title=\"B\u1ea3o Hi\u1ec3m Xe M\u00e1y Online \u2014 H\u01b0\u1edbng D\u1eabn Mua T\u1eebng B\u01b0\u1edbc\">B\u1ea3o Hi\u1ec3m Xe M\u00e1y Online \u2014 H\u01b0\u1edbng D\u1eabn Mua T\u1eebng B\u01b0\u1edbc<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc\/#%E2%9C%85_Nen_mua_bao_hiem_xe_may_online_neu_ban\" title=\"\u2705 N\u00ean mua b\u1ea3o hi\u1ec3m xe m\u00e1y online n\u1ebfu b\u1ea1n:\">\u2705 N\u00ean mua b\u1ea3o hi\u1ec3m xe m\u00e1y online n\u1ebfu b\u1ea1n:<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc\/#%E2%9D%8C_Luu_y_khi_mua_bao_hiem_xe_may_online\" title=\"\u274c L\u01b0u \u00fd khi mua b\u1ea3o hi\u1ec3m xe m\u00e1y online:\">\u274c L\u01b0u \u00fd khi mua b\u1ea3o hi\u1ec3m xe m\u00e1y online:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc\/#Quyen_Loi_Bao_Hiem_TNDS_Xe_May_Theo_Nghi_Dinh_032021\" title=\"Quy\u1ec1n L\u1ee3i B\u1ea3o Hi\u1ec3m TNDS Xe M\u00e1y Theo Ngh\u1ecb \u0110\u1ecbnh 03\/2021\">Quy\u1ec1n L\u1ee3i B\u1ea3o Hi\u1ec3m TNDS Xe M\u00e1y Theo Ngh\u1ecb \u0110\u1ecbnh 03\/2021<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc\/#%F0%9F%93%8C_Tom_Tat_Nhanh_%E2%80%94_Bao_Hiem_Xe_May_2026\" title=\"\ud83d\udccc T\u00f3m T\u1eaft Nhanh \u2014 B\u1ea3o Hi\u1ec3m Xe M\u00e1y 2026\">\ud83d\udccc T\u00f3m T\u1eaft Nhanh \u2014 B\u1ea3o Hi\u1ec3m Xe M\u00e1y 2026<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc\/#Ket_Luan\" title=\"K\u1ebft Lu\u1eadn\">K\u1ebft Lu\u1eadn<\/a><\/li><\/ul><\/nav><\/div>\n<article style=\"font-family: inherit; color: #1a1a1a; line-height: 1.75; max-width: 100%;\">\n<p style=\"border-left: 4px solid #00bcc3; background: #f0fafb; padding: 14px 18px; border-radius: 0 6px 6px 0; font-style: italic; color: #333; margin-bottom: 12px;\">H\u00e0ng tri\u1ec7u ch\u1ee7 xe m\u00e1y t\u1ea1i Vi\u1ec7t Nam v\u1eabn \u0111ang b\u0103n kho\u0103n: <em>b\u1ea3o hi\u1ec3m xe m\u00e1y c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng, \u0111\u00e3 b\u1ecb b\u00e3i b\u1ecf ch\u01b0a, v\u00e0 n\u1ebfu v\u1eabn ph\u1ea3i mua th\u00ec mua \u1edf \u0111\u00e2u cho nhanh?<\/em> B\u00e0i vi\u1ebft n\u00e0y gi\u1ea3i \u0111\u00e1p to\u00e0n b\u1ed9 d\u1ef1a tr\u00ean quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt m\u1edbi nh\u1ea5t.<\/p>\n<p style=\"font-size: 0.85em; color: #777; margin-bottom: 24px;\">B\u1edfi <strong>Chuy\u00ean Gia B\u1ea3o Hi\u1ec3m &amp; Ph\u00e1p L\u00fd Giao Th\u00f4ng<\/strong> \u00b7 C\u1eadp nh\u1eadt: Th\u00e1ng 4, 2026 \u00b7 \u0110\u1ecdc trong 6 ph\u00fat<\/p>\n<hr style=\"border: none; border-top: 1px solid #eee; margin: 28px 0;\" \/>\n<p>M\u1ed7i n\u0103m, l\u1ef1c l\u01b0\u1ee3ng CSGT ki\u1ec3m tra h\u00e0ng tri\u1ec7u ph\u01b0\u01a1ng ti\u1ec7n v\u00e0 kh\u00f4ng \u00edt ch\u1ee7 xe b\u1ecb ph\u1ea1t v\u00ec kh\u00f4ng c\u00f3 <strong>b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c<\/strong>. Th\u1ebf nh\u01b0ng tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i v\u1eabn xu\u1ea5t hi\u1ec7n th\u00f4ng tin &#8220;b\u1ea3o hi\u1ec3m xe m\u00e1y \u0111\u00e3 b\u1ecf r\u1ed3i&#8221; khi\u1ebfn nhi\u1ec1u ng\u01b0\u1eddi nh\u1ea7m l\u1eabn. V\u1eady th\u1ef1c h\u01b0 ra sao? V\u00e0 n\u1ebfu v\u1eabn c\u1ea7n mua, mua \u1edf \u0111\u00e2u, mua online \u0111\u01b0\u1ee3c kh\u00f4ng? \u0110\u1ecdc ngay \u0111\u1ec3 kh\u00f4ng b\u1ecb ph\u1ea1t oan.<\/p>\n<hr style=\"border: none; border-top: 1px solid #eee; margin: 28px 0;\" \/>\n<h2 style=\"font-size: 1.4em; font-weight: bold; margin-top: 32px; margin-bottom: 12px;\"><span class=\"ez-toc-section\" id=\"Bao_Hiem_Xe_May_Co_Bat_Buoc_Khong_%E2%80%94_Cau_Tra_Loi_Chinh_Thuc\"><\/span>B\u1ea3o Hi\u1ec3m Xe M\u00e1y C\u00f3 B\u1eaft Bu\u1ed9c Kh\u00f4ng? \u2014 C\u00e2u Tr\u1ea3 L\u1eddi Ch\u00ednh Th\u1ee9c<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><img decoding=\"async\" class=\"alignnone size-large wp-image-21829 lazyload\" data-src=\"http:\/\/www.okxe.vn\/blog\/wp-content\/uploads\/2026\/04\/bao-hiem-xe-may-co-bat-buoc-khong-1024x572.jpg\" alt=\"\" width=\"696\" height=\"389\" data-srcset=\"https:\/\/www.okxe.vn\/blog\/wp-content\/uploads\/2026\/04\/bao-hiem-xe-may-co-bat-buoc-khong-1024x572.jpg 1024w, https:\/\/www.okxe.vn\/blog\/wp-content\/uploads\/2026\/04\/bao-hiem-xe-may-co-bat-buoc-khong-300x167.jpg 300w, https:\/\/www.okxe.vn\/blog\/wp-content\/uploads\/2026\/04\/bao-hiem-xe-may-co-bat-buoc-khong-768x429.jpg 768w, https:\/\/www.okxe.vn\/blog\/wp-content\/uploads\/2026\/04\/bao-hiem-xe-may-co-bat-buoc-khong-696x388.jpg 696w, https:\/\/www.okxe.vn\/blog\/wp-content\/uploads\/2026\/04\/bao-hiem-xe-may-co-bat-buoc-khong-1068x596.jpg 1068w, https:\/\/www.okxe.vn\/blog\/wp-content\/uploads\/2026\/04\/bao-hiem-xe-may-co-bat-buoc-khong.jpg 1376w\" data-sizes=\"(max-width: 696px) 100vw, 696px\" src=\"data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==\" style=\"--smush-placeholder-width: 696px; --smush-placeholder-aspect-ratio: 696\/389;\" \/><\/p>\n<p><strong>C\u00f3, b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 xe m\u00e1y v\u1eabn l\u00e0 b\u1eaft bu\u1ed9c theo ph\u00e1p lu\u1eadt Vi\u1ec7t Nam.<\/strong> C\u0103n c\u1ee9 ph\u00e1p l\u00fd l\u00e0 Ngh\u1ecb \u0111\u1ecbnh 03\/2021\/N\u0110-CP v\u1ec1 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (TNDS) c\u1ee7a ch\u1ee7 xe c\u01a1 gi\u1edbi, c\u00f3 hi\u1ec7u l\u1ef1c t\u1eeb ng\u00e0y 1\/3\/2021. Ngh\u1ecb \u0111\u1ecbnh n\u00e0y thay th\u1ebf Ngh\u1ecb \u0111\u1ecbnh 103\/2008\/N\u0110-CP nh\u01b0ng <strong>kh\u00f4ng b\u00e3i b\u1ecf ngh\u0129a v\u1ee5 mua b\u1ea3o hi\u1ec3m<\/strong> \u2014 ch\u1ec9 c\u1eadp nh\u1eadt m\u1ee9c ph\u00ed v\u00e0 quy\u1ec1n l\u1ee3i.<\/p>\n<p>Theo \u0110i\u1ec1u 8 Ngh\u1ecb \u0111\u1ecbnh 03\/2021\/N\u0110-CP, m\u1ecdi ch\u1ee7 xe m\u00e1y l\u01b0u th\u00f4ng tr\u00ean \u0111\u01b0\u1eddng \u0111\u1ec1u ph\u1ea3i c\u00f3 h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m TNDS c\u00f2n hi\u1ec7u l\u1ef1c. N\u1ebfu kh\u00f4ng c\u00f3, ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe c\u00f3 th\u1ec3 b\u1ecb x\u1eed ph\u1ea1t h\u00e0nh ch\u00ednh theo Ngh\u1ecb \u0111\u1ecbnh 100\/2019\/N\u0110-CP (s\u1eeda \u0111\u1ed5i b\u1edfi Ngh\u1ecb \u0111\u1ecbnh 123\/2021\/N\u0110-CP).<\/p>\n<p style=\"border-left: 4px solid #00bcc3; background: #f0fafb; padding: 14px 18px; border-radius: 0 6px 6px 0; margin: 24px 0; font-weight: 600; color: #007a6e;\">\ud83d\udca1 Ch\u1ec9 c\u00f3 m\u1ed9t lo\u1ea1i b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c v\u1edbi xe m\u00e1y: B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (TNDS) ch\u1ee7 xe c\u01a1 gi\u1edbi. B\u1ea3o hi\u1ec3m v\u1eadt ch\u1ea5t th\u00e2n xe (b\u1ea3o hi\u1ec3m tai n\u1ea1n, m\u1ea5t c\u1eafp\u2026) l\u00e0 t\u1ef1 nguy\u1ec7n.<\/p>\n<h3 style=\"font-size: 1.1em; font-weight: bold; margin-top: 24px; margin-bottom: 10px;\"><span class=\"ez-toc-section\" id=\"Muc_phat_khi_khong_co_bao_hiem_xe_may\"><\/span>M\u1ee9c ph\u1ea1t khi kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m xe m\u00e1y<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh, ng\u01b0\u1eddi \u0111i\u1ec1u khi\u1ec3n xe m\u00e1y kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m TNDS b\u1eaft bu\u1ed9c ho\u1eb7c c\u00f3 nh\u01b0ng h\u1ebft h\u1ea1n s\u1ebd b\u1ecb ph\u1ea1t ti\u1ec1n t\u1eeb <strong>100.000 \u0111\u1ebfn 200.000 \u0111\u1ed3ng<\/strong>. M\u1ee9c ph\u1ea1t tuy kh\u00f4ng qu\u00e1 l\u1edbn, nh\u01b0ng n\u1ebfu x\u1ea3y ra tai n\u1ea1n g\u00e2y thi\u1ec7t h\u1ea1i cho b\u00ean th\u1ee9 ba m\u00e0 kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m, ch\u1ee7 xe ph\u1ea3i b\u1ecf ti\u1ec1n t\u00fai b\u1ed3i th\u01b0\u1eddng \u2014 r\u1ee7i ro t\u00e0i ch\u00ednh c\u00f3 th\u1ec3 l\u00ean \u0111\u1ebfn h\u00e0ng tr\u0103m tri\u1ec7u \u0111\u1ed3ng.<\/p>\n<hr style=\"border: none; border-top: 1px solid #eee; margin: 28px 0;\" \/>\n<h2 style=\"font-size: 1.4em; font-weight: bold; margin-top: 32px; margin-bottom: 12px;\"><span class=\"ez-toc-section\" id=\"Bao_Hiem_Xe_May_Da_Bo_Chua_%E2%80%94_Dinh_Chinh_Tin_Sai\"><\/span>B\u1ea3o Hi\u1ec3m Xe M\u00e1y \u0110\u00e3 B\u1ecf Ch\u01b0a? \u2014 \u0110\u00ednh Ch\u00ednh Tin Sai<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>C\u00e2u h\u1ecfi &#8220;<strong>b\u1ea3o hi\u1ec3m xe m\u00e1y \u0111\u00e3 b\u1ecf ch\u01b0a<\/strong>&#8221; xu\u1ea5t hi\u1ec7n nhi\u1ec1u tr\u00ean c\u00e1c di\u1ec5n \u0111\u00e0n do ng\u01b0\u1eddi d\u00f9ng nh\u1ea7m l\u1eabn gi\u1eefa hai s\u1ef1 ki\u1ec7n:<\/p>\n<ol style=\"padding-left: 20px; margin: 16px 0;\">\n<li style=\"margin-bottom: 8px;\"><strong>B\u1ecf tem ki\u1ec3m \u0111\u1ecbnh xe m\u00e1y (\u0111\u0103ng ki\u1ec3m)<\/strong> \u2014 T\u1eeb th\u00e1ng 8\/2022, B\u1ed9 GTVT ch\u00ednh th\u1ee9c kh\u00f4ng y\u00eau c\u1ea7u \u0111\u0103ng ki\u1ec3m \u0111\u1ecbnh k\u1ef3 v\u1edbi xe m\u00e1y c\u00e1 nh\u00e2n. \u0110\u00e2y l\u00e0 quy\u1ebft \u0111\u1ecbnh \u0111\u01b0\u1ee3c nhi\u1ec1u ng\u01b0\u1eddi nh\u1ea7m sang b\u1ea3o hi\u1ec3m.<\/li>\n<li style=\"margin-bottom: 8px;\"><strong>Thay \u0111\u1ed5i Ngh\u1ecb \u0111\u1ecbnh b\u1ea3o hi\u1ec3m<\/strong> \u2014 Ngh\u1ecb \u0111\u1ecbnh 03\/2021\/N\u0110-CP thay Ngh\u1ecb \u0111\u1ecbnh 103\/2008\/N\u0110-CP, nh\u01b0ng <em>kh\u00f4ng b\u00e3i b\u1ecf<\/em> lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y. Ng\u01b0\u1ee3c l\u1ea1i, quy\u1ec1n l\u1ee3i ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f2n \u0111\u01b0\u1ee3c t\u0103ng l\u00ean.<\/li>\n<\/ol>\n<p><strong>K\u1ebft lu\u1eadn: T\u00ednh \u0111\u1ebfn th\u00e1ng 4\/2025, b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y b\u1eaft bu\u1ed9c CH\u01afA b\u1ecb b\u00e3i b\u1ecf v\u00e0 v\u1eabn c\u00f3 hi\u1ec7u l\u1ef1c to\u00e0n qu\u1ed1c.<\/strong><\/p>\n<p style=\"border-left: 4px solid #00bcc3; background: #f0fafb; padding: 14px 18px; border-radius: 0 6px 6px 0; margin: 24px 0; font-weight: 600; color: #007a6e;\">\ud83d\udca1 B\u1ecf \u0111\u0103ng ki\u1ec3m xe m\u00e1y \u2260 B\u1ecf b\u1ea3o hi\u1ec3m xe m\u00e1y. \u0110\u00e2y l\u00e0 hai lo\u1ea1i gi\u1ea5y t\u1edd ho\u00e0n to\u00e0n kh\u00e1c nhau.<\/p>\n<hr style=\"border: none; border-top: 1px solid #eee; margin: 28px 0;\" \/>\n<h2 style=\"font-size: 1.4em; font-weight: bold; margin-top: 32px; margin-bottom: 12px;\"><span class=\"ez-toc-section\" id=\"So_Sanh_Bao_Hiem_Bat_Buoc_va_Bao_Hiem_Tu_Nguyen_Xe_May\"><\/span>So S\u00e1nh B\u1ea3o Hi\u1ec3m B\u1eaft Bu\u1ed9c v\u00e0 B\u1ea3o Hi\u1ec3m T\u1ef1 Nguy\u1ec7n Xe M\u00e1y<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 0.95em;\">\n<thead>\n<tr>\n<th style=\"background: #00bcc3; color: #fff; padding: 10px 14px; text-align: left; font-weight: 600;\">Ti\u00eau ch\u00ed<\/th>\n<th style=\"background: #00bcc3; color: #fff; padding: 10px 14px; text-align: left; font-weight: 600;\">B\u1ea3o hi\u1ec3m TNDS (B\u1eaft bu\u1ed9c)<\/th>\n<th style=\"background: #00bcc3; color: #fff; padding: 10px 14px; text-align: left; font-weight: 600;\">B\u1ea3o hi\u1ec3m t\u1ef1 nguy\u1ec7n<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\"><strong>B\u1eaft bu\u1ed9c?<\/strong><\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">\u2705 C\u00f3, theo Ngh\u1ecb \u0111\u1ecbnh 03\/2021<\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">\u274c Kh\u00f4ng, t\u00f9y ch\u1ecdn<\/td>\n<\/tr>\n<tr style=\"background: #f9f9f9;\">\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\"><strong>Ph\u00ed h\u00e0ng n\u0103m<\/strong><\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">60.000 \u2013 90.000 \u0111\/n\u0103m (xe \u2264 50cc: 60.000\u0111; xe &gt; 50cc: 90.000\u0111)<\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">T\u1eeb 200.000\u0111 tr\u1edf l\u00ean t\u00f9y g\u00f3i<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\"><strong>B\u1ed3i th\u01b0\u1eddng<\/strong><\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">Thi\u1ec7t h\u1ea1i th\u00e2n th\u1ec3, t\u00e0i s\u1ea3n b\u00ean th\u1ee9 ba<\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">C\u00f3 th\u1ec3 g\u1ed3m c\u1ea3 th\u00e2n xe, ng\u01b0\u1eddi l\u00e1i<\/td>\n<\/tr>\n<tr style=\"background: #f9f9f9;\">\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\"><strong>M\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a<\/strong><\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">150 tri\u1ec7u \u0111\/ng\u01b0\u1eddi (th\u00e2n th\u1ec3); 50 tri\u1ec7u \u0111\/v\u1ee5 (t\u00e0i s\u1ea3n)<\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">Theo h\u1ee3p \u0111\u1ed3ng t\u1eebng c\u00f4ng ty<\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\"><strong>Ph\u1ea1t n\u1ebfu kh\u00f4ng c\u00f3<\/strong><\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">100.000 \u2013 200.000 \u0111<\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">Kh\u00f4ng ph\u1ea1t<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr style=\"border: none; border-top: 1px solid #eee; margin: 28px 0;\" \/>\n<h2 style=\"font-size: 1.4em; font-weight: bold; margin-top: 32px; margin-bottom: 12px;\"><span class=\"ez-toc-section\" id=\"Bao_Hiem_Xe_May_Mua_O_Dau_%E2%80%94_4_Kenh_Pho_Bien_Nhat\"><\/span>B\u1ea3o Hi\u1ec3m Xe M\u00e1y Mua \u1ede \u0110\u00e2u? \u2014 4 K\u00eanh Ph\u1ed5 Bi\u1ebfn Nh\u1ea5t<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Hi\u1ec7n t\u1ea1i c\u00f3 nhi\u1ec1u k\u00eanh \u0111\u1ec3 mua <strong>b\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c<\/strong>. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 4 k\u00eanh ph\u1ed5 bi\u1ebfn nh\u1ea5t:<\/p>\n<ol style=\"padding-left: 20px; margin: 16px 0;\">\n<li style=\"margin-bottom: 12px;\"><strong>\u0110\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m t\u1ea1i c\u1eeda h\u00e0ng xe m\u00e1y, \u0111\u1ea1i l\u00fd Honda\/Yamaha<\/strong> \u2014 Khi mua xe m\u1edbi, h\u1ea7u h\u1ebft \u0111\u1ea1i l\u00fd s\u1ebd t\u01b0 v\u1ea5n v\u00e0 b\u00e1n b\u1ea3o hi\u1ec3m t\u1ea1i ch\u1ed7. \u0110\u00e2y l\u00e0 k\u00eanh ph\u1ed5 bi\u1ebfn, gi\u00e1 \u0111\u00fang quy \u0111\u1ecbnh Nh\u00e0 n\u01b0\u1edbc, nh\u1eadn gi\u1ea5y ch\u1ee9ng nh\u1eadn gi\u1ea5y ngay.<\/li>\n<li style=\"margin-bottom: 12px;\"><strong>V\u0103n ph\u00f2ng\/chi nh\u00e1nh c\u00f4ng ty b\u1ea3o hi\u1ec3m<\/strong> \u2014 C\u00e1c c\u00f4ng ty nh\u01b0 B\u1ea3o Vi\u1ec7t, PVI, PTI, B\u1ea3o Minh, BSH, MIC \u0111\u1ec1u c\u00f3 m\u1ea1ng l\u01b0\u1edbi v\u0103n ph\u00f2ng tr\u00ean to\u00e0n qu\u1ed1c. Ph\u00f9 h\u1ee3p n\u1ebfu b\u1ea1n c\u1ea7n t\u01b0 v\u1ea5n th\u00eam v\u1ec1 g\u00f3i t\u1ef1 nguy\u1ec7n k\u1ebft h\u1ee3p.<\/li>\n<li style=\"margin-bottom: 12px;\"><strong>Si\u00eau th\u1ecb b\u1ea3o hi\u1ec3m online (website\/app)<\/strong> \u2014 C\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 <em>BaoViet.com.vn, PVI.com.vn, baohiemxe.vn, Mfast, Papaya<\/em> cho ph\u00e9p mua v\u00e0 nh\u1eadn gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111i\u1ec7n t\u1eed trong v\u00e0i ph\u00fat.<\/li>\n<li style=\"margin-bottom: 12px;\"><strong>V\u00ed \u0111i\u1ec7n t\u1eed &amp; app ng\u00e2n h\u00e0ng<\/strong> \u2014 MoMo, ZaloPay, ViettelPay, \u1ee9ng d\u1ee5ng VCB Digibank, BIDV SmartBanking\u2026 \u0111\u1ec1u c\u00f3 t\u00edch h\u1ee3p t\u00ednh n\u0103ng mua b\u1ea3o hi\u1ec3m xe m\u00e1y tr\u1ef1c ti\u1ebfp.<\/li>\n<\/ol>\n<p style=\"border-left: 4px solid #00bcc3; background: #f0fafb; padding: 14px 18px; border-radius: 0 6px 6px 0; margin: 24px 0; font-weight: 600; color: #007a6e;\">\ud83d\udca1 Gi\u00e1 b\u1ea3o hi\u1ec3m TNDS xe m\u00e1y do Nh\u00e0 n\u01b0\u1edbc quy \u0111\u1ecbnh c\u1ed1 \u0111\u1ecbnh \u2014 mua \u1edf \u0111\u00e2u c\u0169ng nh\u01b0 nhau. B\u1ea1n kh\u00f4ng c\u1ea7n \u0111i nhi\u1ec1u n\u01a1i \u0111\u1ec3 so gi\u00e1 lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y.<\/p>\n<hr style=\"border: none; border-top: 1px solid #eee; margin: 28px 0;\" \/>\n<h2 style=\"font-size: 1.4em; font-weight: bold; margin-top: 32px; margin-bottom: 12px;\"><span class=\"ez-toc-section\" id=\"Bao_Hiem_Xe_May_Online_%E2%80%94_Huong_Dan_Mua_Tung_Buoc\"><\/span>B\u1ea3o Hi\u1ec3m Xe M\u00e1y Online \u2014 H\u01b0\u1edbng D\u1eabn Mua T\u1eebng B\u01b0\u1edbc<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Mua <strong>b\u1ea3o hi\u1ec3m xe m\u00e1y online<\/strong> ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn v\u00ec nhanh, kh\u00f4ng c\u1ea7n di chuy\u1ec3n, gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111i\u1ec7n t\u1eed \u0111\u01b0\u1ee3c ph\u00e1p lu\u1eadt c\u00f4ng nh\u1eadn (theo Th\u00f4ng t\u01b0 04\/2021\/TT-BTC). D\u01b0\u1edbi \u0111\u00e2y l\u00e0 quy tr\u00ecnh th\u1ef1c hi\u1ec7n tr\u00ean b\u1ea5t k\u1ef3 n\u1ec1n t\u1ea3ng n\u00e0o:<\/p>\n<ol style=\"padding-left: 20px; margin: 16px 0;\">\n<li style=\"margin-bottom: 10px;\"><strong>Ch\u1ecdn n\u1ec1n t\u1ea3ng<\/strong> \u2014 Truy c\u1eadp website ho\u1eb7c app c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m (B\u1ea3o Vi\u1ec7t, PVI, PTI\u2026) ho\u1eb7c v\u00ed \u0111i\u1ec7n t\u1eed (MoMo, ZaloPay).<\/li>\n<li style=\"margin-bottom: 10px;\"><strong>Ch\u1ecdn lo\u1ea1i xe v\u00e0 \u0111i\u1ec1n th\u00f4ng tin<\/strong> \u2014 Nh\u1eadp bi\u1ec3n s\u1ed1 xe, h\u1ecd t\u00ean ch\u1ee7 xe, s\u1ed1 CMND\/CCCD. M\u1ed9t s\u1ed1 n\u1ec1n t\u1ea3ng y\u00eau c\u1ea7u ch\u1ee5p \u1ea3nh gi\u1ea5y \u0111\u0103ng k\u00fd xe.<\/li>\n<li style=\"margin-bottom: 10px;\"><strong>Ch\u1ecdn th\u1eddi h\u1ea1n b\u1ea3o hi\u1ec3m<\/strong> \u2014 T\u1ed1i thi\u1ec3u 1 n\u0103m, c\u00f3 th\u1ec3 mua 2\u20133 n\u0103m \u0111\u1ec3 kh\u00f4ng ph\u1ea3i gia h\u1ea1n li\u00ean t\u1ee5c.<\/li>\n<li style=\"margin-bottom: 10px;\"><strong>Thanh to\u00e1n<\/strong> \u2014 Chuy\u1ec3n kho\u1ea3n, th\u1ebb ATM\/Visa, ho\u1eb7c v\u00ed \u0111i\u1ec7n t\u1eed. Th\u01b0\u1eddng ch\u1ec9 m\u1ea5t 2\u20135 ph\u00fat.<\/li>\n<li style=\"margin-bottom: 10px;\"><strong>Nh\u1eadn gi\u1ea5y ch\u1ee9ng nh\u1eadn \u0111i\u1ec7n t\u1eed<\/strong> \u2014 File PDF g\u1eedi qua email ho\u1eb7c l\u01b0u trong app. Khi b\u1ecb ki\u1ec3m tra, b\u1ea1n ch\u1ec9 c\u1ea7n xu\u1ea5t tr\u00ecnh file n\u00e0y tr\u00ean \u0111i\u1ec7n tho\u1ea1i \u2014 CSGT ch\u1ea5p nh\u1eadn b\u1ea3n \u0111i\u1ec7n t\u1eed.<\/li>\n<\/ol>\n<div style=\"background: #f0fdf4; border: 1px solid #86efac; border-radius: 8px; padding: 16px 20px; margin-bottom: 16px;\">\n<h3 style=\"color: #16a34a; margin-top: 0; font-size: 1.05em; font-weight: bold;\"><span class=\"ez-toc-section\" id=\"%E2%9C%85_Nen_mua_bao_hiem_xe_may_online_neu_ban\"><\/span>\u2705 N\u00ean mua b\u1ea3o hi\u1ec3m xe m\u00e1y online n\u1ebfu b\u1ea1n:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul style=\"padding-left: 20px; margin: 8px 0 0;\">\n<li style=\"margin-bottom: 6px;\">Mu\u1ed1n mua nhanh, kh\u00f4ng c\u1ea7n ra ngo\u00e0i<\/li>\n<li style=\"margin-bottom: 6px;\">Xe s\u1eafp h\u1ebft h\u1ea1n b\u1ea3o hi\u1ec3m, c\u1ea7n gia h\u1ea1n ngay<\/li>\n<li style=\"margin-bottom: 6px;\">Mu\u1ed1n l\u01b0u gi\u1eef gi\u1ea5y t\u1edd \u0111i\u1ec7n t\u1eed, kh\u00f4ng s\u1ee3 m\u1ea5t b\u1ea3n gi\u1ea5y<\/li>\n<li style=\"margin-bottom: 6px;\">\u0110ang s\u1eed d\u1ee5ng v\u00ed MoMo, ZaloPay th\u01b0\u1eddng xuy\u00ean \u2014 mua t\u00edch h\u1ee3p r\u1ea5t ti\u1ec7n<\/li>\n<\/ul>\n<\/div>\n<div style=\"background: #fff5f5; border: 1px solid #fca5a5; border-radius: 8px; padding: 16px 20px; margin-bottom: 16px;\">\n<h3 style=\"color: #dc2626; margin-top: 0; font-size: 1.05em; font-weight: bold;\"><span class=\"ez-toc-section\" id=\"%E2%9D%8C_Luu_y_khi_mua_bao_hiem_xe_may_online\"><\/span>\u274c L\u01b0u \u00fd khi mua b\u1ea3o hi\u1ec3m xe m\u00e1y online:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul style=\"padding-left: 20px; margin: 8px 0 0;\">\n<li style=\"margin-bottom: 6px;\">Ch\u1ec9 mua tr\u00ean website\/app ch\u00ednh th\u1ee9c c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c n\u1ec1n t\u1ea3ng uy t\u00edn \u2014 tr\u00e1nh mua qua t\u00e0i kho\u1ea3n c\u00e1 nh\u00e2n tr\u00ean m\u1ea1ng x\u00e3 h\u1ed9i v\u00ec nguy c\u01a1 mua ph\u1ea3i gi\u1ea5y b\u1ea3o hi\u1ec3m gi\u1ea3.<\/li>\n<li style=\"margin-bottom: 6px;\">Ki\u1ec3m tra l\u1ea1i s\u1ed1 h\u1ee3p \u0111\u1ed3ng tr\u00ean c\u1ed5ng x\u00e1c minh c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh t\u1ea1i <em>baohiembatbuoc.mof.gov.vn<\/em> sau khi mua.<\/li>\n<li style=\"margin-bottom: 6px;\">L\u01b0u email x\u00e1c nh\u1eadn ho\u1eb7c ch\u1ee5p m\u00e0n h\u00ecnh gi\u1ea5y ch\u1ee9ng nh\u1eadn ngay sau khi thanh to\u00e1n.<\/li>\n<\/ul>\n<\/div>\n<hr style=\"border: none; border-top: 1px solid #eee; margin: 28px 0;\" \/>\n<h2 style=\"font-size: 1.4em; font-weight: bold; margin-top: 32px; margin-bottom: 12px;\"><span class=\"ez-toc-section\" id=\"Quyen_Loi_Bao_Hiem_TNDS_Xe_May_Theo_Nghi_Dinh_032021\"><\/span>Quy\u1ec1n L\u1ee3i B\u1ea3o Hi\u1ec3m TNDS Xe M\u00e1y Theo Ngh\u1ecb \u0110\u1ecbnh 03\/2021<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Nhi\u1ec1u ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m theo th\u00f3i quen m\u00e0 kh\u00f4ng bi\u1ebft m\u00ecnh \u0111\u01b0\u1ee3c b\u1ed3i th\u01b0\u1eddng bao nhi\u00eau. D\u01b0\u1edbi \u0111\u00e2y l\u00e0 m\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a theo quy \u0111\u1ecbnh hi\u1ec7n h\u00e0nh:<\/p>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; font-size: 0.95em;\">\n<thead>\n<tr>\n<th style=\"background: #00bcc3; color: #fff; padding: 10px 14px; text-align: left; font-weight: 600;\">Lo\u1ea1i thi\u1ec7t h\u1ea1i<\/th>\n<th style=\"background: #00bcc3; color: #fff; padding: 10px 14px; text-align: left; font-weight: 600;\">M\u1ee9c b\u1ed3i th\u01b0\u1eddng t\u1ed1i \u0111a<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">Thi\u1ec7t h\u1ea1i v\u1ec1 th\u00e2n th\u1ec3, t\u00ednh m\u1ea1ng (m\u1ed7i ng\u01b0\u1eddi)<\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\"><strong>150.000.000 \u0111\u1ed3ng<\/strong><\/td>\n<\/tr>\n<tr style=\"background: #f9f9f9;\">\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">Thi\u1ec7t h\u1ea1i t\u00e0i s\u1ea3n (m\u1ed7i v\u1ee5 tai n\u1ea1n)<\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\"><strong>50.000.000 \u0111\u1ed3ng<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\">H\u1ed7 tr\u1ee3 nh\u00e2n \u0111\u1ea1o (kh\u00f4ng ph\u00e2n l\u1ed7i)<\/td>\n<td style=\"padding: 10px 14px; border-bottom: 1px solid #e5e5e5;\"><strong>T\u1ed1i \u0111a 10.000.000 \u0111\u1ed3ng\/ng\u01b0\u1eddi<\/strong><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>L\u01b0u \u00fd: B\u1ea3o hi\u1ec3m TNDS ch\u1ec9 b\u1ed3i th\u01b0\u1eddng thi\u1ec7t h\u1ea1i cho <em>b\u00ean th\u1ee9 ba<\/em> (n\u1ea1n nh\u00e2n), kh\u00f4ng b\u1ed3i th\u01b0\u1eddng cho ch\u00ednh ch\u1ee7 xe ho\u1eb7c thi\u1ec7t h\u1ea1i c\u1ee7a chi\u1ebfc xe c\u1ee7a b\u1ea1n. N\u1ebfu mu\u1ed1n b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n v\u00e0 ph\u01b0\u01a1ng ti\u1ec7n, c\u1ea7n mua th\u00eam g\u00f3i t\u1ef1 nguy\u1ec7n.<\/p>\n<hr style=\"border: none; border-top: 1px solid #eee; margin: 28px 0;\" \/>\n<div style=\"background: #f8f8f8; border: 1px solid #ddd; border-radius: 8px; padding: 18px 22px; margin: 28px 0;\">\n<h3 style=\"margin-top: 0; color: #00bcc3; font-size: 1em; font-weight: bold;\"><span class=\"ez-toc-section\" id=\"%F0%9F%93%8C_Tom_Tat_Nhanh_%E2%80%94_Bao_Hiem_Xe_May_2026\"><\/span>\ud83d\udccc T\u00f3m T\u1eaft Nhanh \u2014 B\u1ea3o Hi\u1ec3m Xe M\u00e1y 2026<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul style=\"padding-left: 20px; margin: 8px 0 0;\">\n<li style=\"margin-bottom: 6px;\"><strong>C\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng?<\/strong> \u2192 C\u00f3, theo Ngh\u1ecb \u0111\u1ecbnh 03\/2021\/N\u0110-CP, ch\u01b0a b\u00e3i b\u1ecf.<\/li>\n<li style=\"margin-bottom: 6px;\"><strong>\u0110\u00e3 b\u1ecf ch\u01b0a?<\/strong> \u2192 Ch\u01b0a. B\u1ecf \u0111\u0103ng ki\u1ec3m \u2260 b\u1ecf b\u1ea3o hi\u1ec3m. Hai lo\u1ea1i ho\u00e0n to\u00e0n kh\u00e1c nhau.<\/li>\n<li style=\"margin-bottom: 6px;\"><strong>Ph\u00ed bao nhi\u00eau?<\/strong> \u2192 60.000\u0111\/n\u0103m (xe \u2264 50cc) ho\u1eb7c 90.000\u0111\/n\u0103m (xe &gt; 50cc).<\/li>\n<li style=\"margin-bottom: 6px;\"><strong>Mua \u1edf \u0111\u00e2u?<\/strong> \u2192 \u0110\u1ea1i l\u00fd xe, v\u0103n ph\u00f2ng c\u00f4ng ty BH, website\/app b\u1ea3o hi\u1ec3m, v\u00ed MoMo\/ZaloPay.<\/li>\n<li style=\"margin-bottom: 6px;\"><strong>Mua online \u0111\u01b0\u1ee3c kh\u00f4ng?<\/strong> \u2192 \u0110\u01b0\u1ee3c, gi\u1ea5y \u0111i\u1ec7n t\u1eed c\u00f3 gi\u00e1 tr\u1ecb ph\u00e1p l\u00fd. CSGT ch\u1ea5p nh\u1eadn b\u1ea3n tr\u00ean \u0111i\u1ec7n tho\u1ea1i.<\/li>\n<li style=\"margin-bottom: 6px;\"><strong>Ph\u1ea1t n\u1ebfu kh\u00f4ng c\u00f3?<\/strong> \u2192 100.000\u2013200.000 \u0111\u1ed3ng. N\u1ebfu x\u1ea3y ra tai n\u1ea1n, b\u1ed3i th\u01b0\u1eddng to\u00e0n b\u1ed9 t\u1eeb t\u00fai c\u00e1 nh\u00e2n.<\/li>\n<\/ul>\n<\/div>\n<h2 style=\"font-size: 1.4em; font-weight: bold; margin-top: 32px; margin-bottom: 12px;\"><span class=\"ez-toc-section\" id=\"Ket_Luan\"><\/span>K\u1ebft Lu\u1eadn<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>B\u1ea3o hi\u1ec3m xe m\u00e1y b\u1eaft bu\u1ed9c v\u1eabn c\u00f2n hi\u1ec7u l\u1ef1c v\u00e0 ch\u01b0a c\u00f3 d\u1ea5u hi\u1ec7u b\u1ecb b\u00e3i b\u1ecf trong th\u1eddi gian t\u1edbi. V\u1edbi m\u1ee9c ph\u00ed ch\u1ec9 90.000 \u0111\u1ed3ng\/n\u0103m \u2014 r\u1ebb h\u01a1n m\u1ed9t t\u00f4 ph\u1edf \u2014 \u0111\u00e2y l\u00e0 kho\u1ea3n chi kh\u00f4ng \u0111\u00e1ng \u0111\u1ec3 b\u1ecf qua. \u0110\u1eb7c bi\u1ec7t, vi\u1ec7c mua <strong>b\u1ea3o hi\u1ec3m xe m\u00e1y online<\/strong> qua MoMo, ZaloPay hay website c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec7n r\u1ea5t d\u1ec5 d\u00e0ng, ch\u1ec9 m\u1ea5t 5 ph\u00fat v\u00e0 nh\u1eadn gi\u1ea5y \u0111i\u1ec7n t\u1eed ngay l\u1eadp t\u1ee9c. H\u00e3y ki\u1ec3m tra h\u1ea1n b\u1ea3o hi\u1ec3m c\u1ee7a xe b\u1ea1n ngay h\u00f4m nay \u0111\u1ec3 tr\u00e1nh b\u1ecb ph\u1ea1t v\u00e0 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho b\u1ea3n th\u00e2n.<\/p>\n<p style=\"font-size: 0.82em; color: #999; border-top: 1px solid #eee; padding-top: 14px; margin-top: 32px; font-style: italic;\">B\u00e0i vi\u1ebft mang t\u00ednh tham kh\u1ea3o, t\u1ed5ng h\u1ee3p t\u1eeb c\u00e1c v\u0103n b\u1ea3n ph\u00e1p lu\u1eadt hi\u1ec7n h\u00e0nh. Quy \u0111\u1ecbnh c\u00f3 th\u1ec3 thay \u0111\u1ed5i theo th\u1eddi gian. Vui l\u00f2ng ki\u1ec3m tra t\u1ea1i c\u1ed5ng th\u00f4ng tin B\u1ed9 T\u00e0i ch\u00ednh ho\u1eb7c li\u00ean h\u1ec7 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u01b0\u1ee3c t\u01b0 v\u1ea5n ch\u00ednh x\u00e1c nh\u1ea5t.<\/p>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>H\u00e0ng tri\u1ec7u ch\u1ee7 xe m\u00e1y t\u1ea1i Vi\u1ec7t Nam v\u1eabn \u0111ang b\u0103n kho\u0103n: b\u1ea3o hi\u1ec3m xe m\u00e1y c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng, \u0111\u00e3 b\u1ecb b\u00e3i b\u1ecf ch\u01b0a, v\u00e0 n\u1ebfu v\u1eabn ph\u1ea3i mua th\u00ec mua \u1edf \u0111\u00e2u cho nhanh? B\u00e0i vi\u1ebft n\u00e0y gi\u1ea3i \u0111\u00e1p to\u00e0n b\u1ed9 d\u1ef1a tr\u00ean quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt m\u1edbi nh\u1ea5t. B\u1edfi Chuy\u00ean Gia B\u1ea3o [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":21829,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[156],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v20.5 (Yoast SEO v20.5) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>B\u1ea3o Hi\u1ec3m Xe M\u00e1y C\u00f3 B\u1eaft Bu\u1ed9c Kh\u00f4ng? Mua \u1ede \u0110\u00e2u, Online \u0110\u01b0\u1ee3c Kh\u00f4ng? [C\u1eadp Nh\u1eadt 2026]<\/title>\n<meta name=\"description\" content=\"B\u1ea3o hi\u1ec3m xe m\u00e1y c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng? \u0110\u00e3 b\u1ecf ch\u01b0a? Mua \u1edf \u0111\u00e2u, mua online th\u1ebf n\u00e0o? Gi\u1ea3i \u0111\u00e1p to\u00e0n b\u1ed9 th\u1eafc m\u1eafc v\u1ec1 b\u1ea3o hi\u1ec3m xe m\u00e1y 2026.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.okxe.vn\/blog\/giao-thong\/bao-hiem-xe-may-co-bat-buoc\" \/>\n<meta property=\"og:locale\" content=\"vi_VN\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"B\u1ea3o Hi\u1ec3m Xe M\u00e1y C\u00f3 B\u1eaft Bu\u1ed9c Kh\u00f4ng? Mua \u1ede \u0110\u00e2u, Online \u0110\u01b0\u1ee3c Kh\u00f4ng? [C\u1eadp Nh\u1eadt 2026]\" \/>\n<meta property=\"og:description\" content=\"B\u1ea3o hi\u1ec3m xe m\u00e1y c\u00f3 b\u1eaft bu\u1ed9c kh\u00f4ng? \u0110\u00e3 b\u1ecf ch\u01b0a? Mua \u1edf \u0111\u00e2u, mua online th\u1ebf n\u00e0o? 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