{"id":3544,"date":"2026-04-06T10:27:48","date_gmt":"2026-04-06T03:27:48","guid":{"rendered":"https:\/\/mb668s.com\/cam-nang-luong\/?p=3544"},"modified":"2026-04-06T10:27:50","modified_gmt":"2026-04-06T03:27:50","slug":"nhan-vien-boi-thuong-bao-hiem","status":"publish","type":"post","link":"https:\/\/mb668s.com\/cam-nang-luong\/nhan-vien-boi-thuong-bao-hiem\/","title":{"rendered":"Nh\u00e2n vi\u00ean b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec? M\u00f4 t\u1ea3 c\u00f4ng vi\u1ec7c v\u00e0 thu nh\u1eadp"},"content":{"rendered":"\n

Trong h\u1ec7 th\u1ed1ng v\u1eadn h\u00e0nh c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, kh\u00f4ng \u00edt ng\u01b0\u1eddi ch\u1ec9 bi\u1ebft \u0111\u1ebfn \u0111\u1ed9i ng\u0169 kinh doanh hay t\u01b0 v\u1ea5n vi\u00ean, m\u00e0 b\u1ecf qua m\u1ed9t b\u1ed9 ph\u1eadn k\u1ef9 thu\u1eadt kh\u00f4ng k\u00e9m ph\u1ea7n quan tr\u1ecdng: nh\u00e2n vi\u00ean b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/strong>. \u0110\u00e2y l\u00e0 ng\u01b0\u1eddi tr\u1ef1c ti\u1ebfp x\u1eed l\u00fd h\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng t\u1eeb kh\u00e1ch h\u00e0ng, quy\u1ebft \u0111\u1ecbnh m\u1ee9c chi tr\u1ea3 d\u1ef1a tr\u00ean \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng v\u00e0 ph\u00e1p l\u00fd hi\u1ec7n h\u00e0nh \u2014 c\u00f4ng vi\u1ec7c \u0111\u00f2i h\u1ecfi s\u1ef1 ch\u00ednh x\u00e1c cao h\u01a1n b\u1ea5t k\u1ef3 v\u1ecb tr\u00ed n\u00e0o kh\u00e1c trong ng\u00e0nh.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n
\n

T\u1ed5ng quan:<\/strong><\/p>\n

\u2013 Nh\u00e2n vi\u00ean b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m (Claims Adjuster) l\u00e0 v\u1ecb tr\u00ed k\u1ef9 thu\u1eadt chuy\u00ean x\u1eed l\u00fd h\u1ed3 s\u01a1 khi\u1ebfu n\u1ea1i v\u00e0 chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng cho kh\u00e1ch h\u00e0ng.<\/p>\n

\u2013 C\u00f4ng vi\u1ec7c y\u00eau c\u1ea7u hi\u1ec3u s\u00e2u v\u1ec1 \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m, Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m 2022 v\u00e0 quy tr\u00ecnh th\u1ea9m \u0111\u1ecbnh t\u1ed5n th\u1ea5t.<\/p>\n

\u2013 Thu nh\u1eadp dao \u0111\u1ed9ng t\u1eeb 8\u201325 tri\u1ec7u \u0111\u1ed3ng\/th\u00e1ng t\u00f9y c\u1ea5p b\u1eadc, lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ty.<\/p>\n

\u2013 Nhu c\u1ea7u tuy\u1ec3n d\u1ee5ng ng\u00e0y c\u00e0ng t\u0103ng do th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam t\u0103ng tr\u01b0\u1edfng \u1ed5n \u0111\u1ecbnh theo s\u1ed1 li\u1ec7u t\u1eeb Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam (IAV).<\/p>\n<\/div>\n\n\n\n

1. Nh\u00e2n vi\u00ean b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec?<\/h2>\n\n\n\n

Nh\u00e2n vi\u00ean b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/strong> (ti\u1ebfng Anh: Claims Adjuster ho\u1eb7c Claims Handler) l\u00e0 ng\u01b0\u1eddi ch\u1ecbu tr\u00e1ch nhi\u1ec7m ti\u1ebfp nh\u1eadn, th\u1ea9m \u0111\u1ecbnh v\u00e0 x\u1eed l\u00fd c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng t\u1eeb ph\u00eda kh\u00e1ch h\u00e0ng tham gia b\u1ea3o hi\u1ec3m. Khi x\u1ea3y ra s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m \u2014 tai n\u1ea1n xe, nh\u1eadp vi\u1ec7n \u0111i\u1ec1u tr\u1ecb, ch\u00e1y nh\u00e0 hay m\u1ea5t m\u00e1t t\u00e0i s\u1ea3n \u2014 \u0111\u00e2y l\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng ra x\u00e1c minh s\u1ef1 vi\u1ec7c, \u0111\u1ed1i chi\u1ebfu v\u1edbi \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng v\u00e0 quy\u1ebft \u0111\u1ecbnh s\u1ed1 ti\u1ec1n chi tr\u1ea3 h\u1ee3p l\u1ec7.<\/p>\n\n\n\n

V\u1ecb tr\u00ed n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c ph\u00e2n theo m\u1ea3ng nghi\u1ec7p v\u1ee5: b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd (Life Claims), b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd (Non-Life Claims) nh\u01b0 xe c\u1ed9, t\u00e0i s\u1ea3n, h\u00e0ng h\u00f3a, ho\u1eb7c b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe (Health Claims). M\u1ed7i m\u1ea3ng c\u00f3 quy tr\u00ecnh v\u00e0 b\u1ed9 ti\u00eau ch\u00ed th\u1ea9m \u0111\u1ecbnh ri\u00eang bi\u1ec7t, n\u00ean nh\u00e2n vi\u00ean th\u01b0\u1eddng \u0111\u01b0\u1ee3c \u0111\u00e0o t\u1ea1o chuy\u00ean s\u00e2u v\u00e0o m\u1ed9t l\u0129nh v\u1ef1c c\u1ee5 th\u1ec3.<\/p>\n\n\n\n

Kh\u00e1c v\u1edbi nh\u00e2n vi\u00ean kinh doanh b\u1ea3o hi\u1ec3m ch\u1ee7 y\u1ebfu t\u00ecm ki\u1ebfm kh\u00e1ch h\u00e0ng m\u1edbi, b\u1ed9 ph\u1eadn b\u1ed3i th\u01b0\u1eddng x\u1eed l\u00fd ph\u1ea7n “h\u1eadu k\u1ef3” c\u1ee7a v\u00f2ng \u0111\u1eddi h\u1ee3p \u0111\u1ed3ng \u2014 th\u1eddi \u0111i\u1ec3m kh\u00e1ch h\u00e0ng th\u1ef1c s\u1ef1 c\u1ea7n c\u00f4ng ty th\u1ef1c hi\u1ec7n cam k\u1ebft. \u0110\u00e2y l\u00e0 l\u00fd do \u0111\u1ed9i ng\u0169 n\u00e0y \u1ea3nh h\u01b0\u1edfng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn uy t\u00edn v\u00e0 t\u1ef7 l\u1ec7 t\u00e1i t\u1ee5c c\u1ee7a doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n

\n

“Ch\u1ea5t l\u01b0\u1ee3ng b\u1ed3i th\u01b0\u1eddng kh\u00f4ng ch\u1ec9 \u0111o b\u1eb1ng t\u1ed1c \u0111\u1ed9 chi tr\u1ea3, m\u00e0 c\u00f2n b\u1eb1ng s\u1ef1 minh b\u1ea1ch trong t\u1eebng quy\u1ebft \u0111\u1ecbnh. M\u1ed9t h\u1ed3 s\u01a1 b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u1eed l\u00fd \u0111\u00fang v\u00e0 nhanh l\u00e0 s\u1ea3n ph\u1ea9m d\u1ecbch v\u1ee5 t\u1ed1t nh\u1ea5t m\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 trao cho kh\u00e1ch h\u00e0ng.” \u2014 Quan \u0111i\u1ec3m nghi\u1ec7p v\u1ee5 t\u1ea1i c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m l\u1edbn<\/p>\n<\/blockquote>\n\n\n\n

2. M\u00f4 t\u1ea3 c\u00f4ng vi\u1ec7c chi ti\u1ebft c\u1ee7a nh\u00e2n vi\u00ean b\u1ed3i th\u01b0\u1eddng<\/h2>\n\n\n\n

Trong th\u1ef1c t\u1ebf v\u1eadn h\u00e0nh, c\u00f4ng vi\u1ec7c c\u1ee7a m\u1ed9t Claims Adjuster kh\u00f4ng ch\u1ec9 d\u1eebng \u1edf vi\u1ec7c “duy\u1ec7t h\u1ed3 s\u01a1”. Kh\u1ed1i l\u01b0\u1ee3ng c\u00f4ng vi\u1ec7c kh\u00e1 \u0111a d\u1ea1ng v\u00e0 \u0111\u00f2i h\u1ecfi ph\u1ed1i h\u1ee3p v\u1edbi nhi\u1ec1u b\u1ed9 ph\u1eadn. Ng\u01b0\u1eddi \u0111ang c\u00f3 nhu c\u1ea7u t\u00ecm ki\u1ebfm vi\u1ec7c l\u00e0m b\u1ea3o hi\u1ec3m<\/a><\/em><\/strong> n\u00ean hi\u1ec3u r\u00f5 ph\u1ea1m vi nhi\u1ec7m v\u1ee5 tr\u01b0\u1edbc khi \u1ee9ng tuy\u1ec3n v\u00e0o v\u1ecb tr\u00ed n\u00e0y.<\/p>\n\n\n\n

C\u00e1c \u0111\u1ea7u vi\u1ec7c ch\u00ednh c\u1ee7a nh\u00e2n vi\u00ean b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m bao g\u1ed3m:<\/p>\n\n\n\n

\u2013 Ti\u1ebfp nh\u1eadn h\u1ed3 s\u01a1 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng t\u1eeb kh\u00e1ch h\u00e0ng qua c\u00e1c k\u00eanh tr\u1ef1c ti\u1ebfp, qua email ho\u1eb7c h\u1ec7 th\u1ed1ng qu\u1ea3n l\u00fd n\u1ed9i b\u1ed9 (CMS).<\/p>\n\n\n\n

\u2013 Th\u1ea9m \u0111\u1ecbnh t\u00ednh x\u00e1c th\u1ef1c c\u1ee7a h\u1ed3 s\u01a1: \u0111\u1ed1i chi\u1ebfu th\u00f4ng tin h\u1ee3p \u0111\u1ed3ng, x\u00e1c minh s\u1ef1 ki\u1ec7n b\u1ea3o hi\u1ec3m th\u1ef1c t\u1ebf c\u00f3 x\u1ea3y ra hay kh\u00f4ng.<\/p>\n\n\n\n

\u2013 Ph\u1ed1i h\u1ee3p v\u1edbi gi\u00e1m \u0111\u1ecbnh vi\u00ean \u0111\u1ed9c l\u1eadp, c\u01a1 s\u1edf y t\u1ebf, ho\u1eb7c c\u01a1 quan c\u00f4ng an (tu\u1ef3 lo\u1ea1i b\u1ed3i th\u01b0\u1eddng) \u0111\u1ec3 thu th\u1eadp b\u1eb1ng ch\u1ee9ng b\u1ed5 sung.<\/p>\n\n\n\n

\u2013 T\u00ednh to\u00e1n m\u1ee9c b\u1ed3i th\u01b0\u1eddng d\u1ef1a tr\u00ean \u0111i\u1ec1u kho\u1ea3n h\u1ee3p \u0111\u1ed3ng, m\u1ee9c kh\u1ea5u tr\u1eeb, gi\u1edbi h\u1ea1n tr\u00e1ch nhi\u1ec7m b\u1ea3o hi\u1ec3m v\u00e0 quy \u0111\u1ecbnh t\u1ea1i Th\u00f4ng t\u01b0 67\/2023\/TT-BTC c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh.<\/p>\n\n\n\n

\u2013 Th\u00f4ng b\u00e1o k\u1ebft qu\u1ea3 x\u00e9t duy\u1ec7t cho kh\u00e1ch h\u00e0ng b\u1eb1ng v\u0103n b\u1ea3n, gi\u1ea3i th\u00edch l\u00fd do t\u1eeb ch\u1ed1i ho\u1eb7c \u0111i\u1ec1u ch\u1ec9nh n\u1ebfu kh\u00f4ng chi tr\u1ea3 to\u00e0n b\u1ed9.<\/p>\n\n\n\n

\u2013 L\u01b0u tr\u1eef h\u1ed3 s\u01a1, b\u00e1o c\u00e1o t\u00ecnh tr\u1ea1ng b\u1ed3i th\u01b0\u1eddng theo \u0111\u1ecbnh k\u1ef3 cho b\u1ed9 ph\u1eadn qu\u1ea3n l\u00fd r\u1ee7i ro v\u00e0 ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9.<\/p>\n\n\n\n

T\u1ed1c \u0111\u1ed9 x\u1eed l\u00fd l\u00e0 m\u1ed9t ch\u1ec9 ti\u00eau quan tr\u1ecdng. Theo quy \u0111\u1ecbnh t\u1ea1i Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m 2022 (Lu\u1eadt s\u1ed1 08\/2022\/QH15), doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m ph\u1ea3i th\u1ef1c hi\u1ec7n tr\u1ea3 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng ho\u1eb7c tr\u1ea3 l\u1eddi t\u1eeb ch\u1ed1i trong th\u1eddi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh k\u1ec3 t\u1eeb ng\u00e0y nh\u1eadn \u0111\u1ee7 h\u1ed3 s\u01a1 h\u1ee3p l\u1ec7 \u2014 \u0111i\u1ec1u n\u00e0y t\u1ea1o \u00e1p l\u1ef1c th\u1eddi gian tr\u1ef1c ti\u1ebfp l\u00ean b\u1ed9 ph\u1eadn b\u1ed3i th\u01b0\u1eddng.<\/p>\n\n\n\n

\n

L\u01b0u \u00fd:<\/strong><\/p>\n

Nh\u00e2n vi\u00ean b\u1ed3i th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c ph\u00e9p t\u1ef1 quy\u1ebft \u0111\u1ecbnh chi tr\u1ea3 v\u01b0\u1ee3t th\u1ea9m quy\u1ec1n. M\u1ed7i c\u1ea5p b\u1eadc c\u00f3 h\u1ea1n m\u1ee9c ph\u00ea duy\u1ec7t ri\u00eang \u2014 th\u01b0\u1eddng t\u1eeb 20\u201350 tri\u1ec7u \u0111\u1ed3ng \u1edf c\u1ea5p chuy\u00ean vi\u00ean, v\u00e0 ph\u1ea3i tr\u00ecnh l\u00ean tr\u01b0\u1edfng b\u1ed9 ph\u1eadn ho\u1eb7c ban gi\u00e1m \u0111\u1ed1c n\u1ebfu h\u1ed3 s\u01a1 c\u00f3 gi\u00e1 tr\u1ecb l\u1edbn h\u01a1n. Hi\u1ec3u r\u00f5 quy tr\u00ecnh ph\u00e2n c\u1ea5p n\u00e0y gi\u00fap b\u1ea1n tr\u00e1nh vi ph\u1ea1m th\u1ee7 t\u1ee5c n\u1ed9i b\u1ed9.<\/p>\n<\/div>\n\n\n\n

3. Y\u00eau c\u1ea7u k\u1ef9 n\u0103ng v\u00e0 b\u1eb1ng c\u1ea5p<\/h2>\n\n\n\n

Kh\u00f4ng ph\u1ea3i c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00e0o c\u0169ng y\u00eau c\u1ea7u b\u1eb1ng c\u1ea5p chuy\u00ean ng\u00e0nh b\u1ea3o hi\u1ec3m, nh\u01b0ng n\u1ec1n t\u1ea3ng ki\u1ebfn th\u1ee9c l\u00e0 \u0111i\u1ec1u ki\u1ec7n kh\u00f4ng th\u1ec3 thi\u1ebfu. \u0110\u1ea1i \u0111a s\u1ed1 doanh nghi\u1ec7p trong l\u0129nh v\u1ef1c n\u00e0y tuy\u1ec3n \u1ee9ng vi\u00ean t\u1ed1t nghi\u1ec7p c\u00e1c ng\u00e0nh T\u00e0i ch\u00ednh \u2013 B\u1ea3o hi\u1ec3m, Kinh t\u1ebf, Lu\u1eadt, K\u1ebf to\u00e1n ho\u1eb7c Y t\u1ebf (\u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe).<\/p>\n\n\n\n

Ki\u1ebfn th\u1ee9c chuy\u00ean m\u00f4n<\/h3>\n\n\n\n

\u1ee8ng vi\u00ean c\u1ea7n n\u1eafm v\u1eefng c\u00e1c \u0111i\u1ec1u kho\u1ea3n b\u1ea3o hi\u1ec3m trong t\u1eebng lo\u1ea1i h\u1ee3p \u0111\u1ed3ng m\u00e0 c\u00f4ng ty \u0111ang khai th\u00e1c. Ngo\u00e0i ra, hi\u1ec3u bi\u1ebft v\u1ec1 Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m 2022, c\u00e1c Th\u00f4ng t\u01b0 h\u01b0\u1edbng d\u1eabn c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh v\u00e0 quy \u0111\u1ecbnh c\u1ee7a C\u1ee5c Qu\u1ea3n l\u00fd, gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m l\u00e0 l\u1ee3i th\u1ebf \u0111\u00e1ng k\u1ec3 khi x\u1eed l\u00fd h\u1ed3 s\u01a1 tranh ch\u1ea5p.<\/p>\n\n\n\n

K\u1ef9 n\u0103ng m\u1ec1m v\u00e0 c\u00f4ng c\u1ee5<\/h3>\n\n\n\n

\u2013 K\u1ef9 n\u0103ng ph\u00e2n t\u00edch h\u1ed3 s\u01a1: \u0111\u1ecdc v\u00e0 \u0111\u00e1nh gi\u00e1 t\u00e0i li\u1ec7u y t\u1ebf, bi\u00ean b\u1ea3n tai n\u1ea1n, h\u00f3a \u0111\u01a1n ch\u1ee9ng t\u1eeb m\u1ed9t c\u00e1ch c\u00f3 h\u1ec7 th\u1ed1ng.<\/p>\n\n\n\n

\u2013 K\u1ef9 n\u0103ng giao ti\u1ebfp kh\u00e1ch h\u00e0ng: truy\u1ec1n \u0111\u1ea1t quy\u1ebft \u0111\u1ecbnh t\u1eeb ch\u1ed1i hay \u0111i\u1ec1u ch\u1ec9nh b\u1ed3i th\u01b0\u1eddng m\u00e0 kh\u00f4ng g\u00e2y xung \u0111\u1ed9t.<\/p>\n\n\n\n

\u2013 Th\u00e0nh th\u1ea1o ph\u1ea7n m\u1ec1m qu\u1ea3n l\u00fd h\u1ed3 s\u01a1 b\u1ed3i th\u01b0\u1eddng (Claims Management System), th\u01b0\u1eddng l\u00e0 h\u1ec7 th\u1ed1ng n\u1ed9i b\u1ed9 c\u1ee7a t\u1eebng doanh nghi\u1ec7p nh\u01b0 Sun Life, Prudential, B\u1ea3o Vi\u1ec7t ho\u1eb7c PTI.<\/p>\n\n\n\n

\u2013 Ti\u1ebfng Anh \u0111\u1ecdc hi\u1ec3u t\u1ed1t gi\u00fap \u00edch trong c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u01b0\u1edbc ngo\u00e0i ho\u1eb7c li\u00ean doanh.<\/p>\n\n\n\n

Ch\u1ee9ng ch\u1ec9 li\u00ean quan<\/h3>\n\n\n\n

Ch\u1ee9ng ch\u1ec9 ANZIIF (Australian and New Zealand Institute of Insurance and Finance) ho\u1eb7c ch\u1ee9ng ch\u1ec9 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m do B\u1ed9 T\u00e0i ch\u00ednh c\u1ea5p kh\u00f4ng ph\u1ea3i y\u00eau c\u1ea7u b\u1eaft bu\u1ed9c, nh\u01b0ng c\u00f3 th\u1ec3 gi\u00fap h\u1ed3 s\u01a1 n\u1ed5i b\u1eadt h\u01a1n trong qu\u00e1 tr\u00ecnh tuy\u1ec3n d\u1ee5ng t\u1ea1i c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m qu\u1ed1c t\u1ebf.<\/p>\n\n\n\n

4. L\u1ed9 tr\u00ecnh th\u0103ng ti\u1ebfn trong b\u1ed9 ph\u1eadn b\u1ed3i th\u01b0\u1eddng<\/h2>\n\n\n\n

Ngh\u1ec1 b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m c\u00f3 l\u1ed9 tr\u00ecnh kh\u00e1 r\u00f5 r\u00e0ng v\u00e0 th\u01b0\u1eddng kh\u00f4ng \u0111\u00f2i h\u1ecfi b\u1eb1ng th\u1ea1c s\u0129 \u0111\u1ec3 th\u0103ng ti\u1ebfn, m\u00e0 ch\u1ee7 y\u1ebfu d\u1ef1a v\u00e0o n\u0103ng l\u1ef1c th\u1ef1c chi\u1ebfn v\u00e0 s\u1ed1 n\u0103m kinh nghi\u1ec7m.<\/p>\n\n\n\n

C\u1ea5p b\u1eadc<\/th>Kinh nghi\u1ec7m<\/th>Nhi\u1ec7m v\u1ee5 ch\u00ednh<\/th>Thu nh\u1eadp tham kh\u1ea3o<\/th><\/tr>
Nh\u00e2n vi\u00ean (Junior Claims Officer)<\/td>0\u20132 n\u0103m<\/td>Ti\u1ebfp nh\u1eadn, ki\u1ec3m tra h\u1ed3 s\u01a1 c\u01a1 b\u1ea3n<\/td>8\u201312 tri\u1ec7u\/th\u00e1ng<\/td><\/tr>
Chuy\u00ean vi\u00ean (Claims Officer)<\/td>2\u20135 n\u0103m<\/td>Th\u1ea9m \u0111\u1ecbnh \u0111\u1ed9c l\u1eadp, ph\u00ea duy\u1ec7t h\u1ea1n m\u1ee9c v\u1eeba<\/td>12\u201318 tri\u1ec7u\/th\u00e1ng<\/td><\/tr>
Chuy\u00ean vi\u00ean cao c\u1ea5p (Senior Claims)<\/td>5\u20138 n\u0103m<\/td>X\u1eed l\u00fd h\u1ed3 s\u01a1 ph\u1ee9c t\u1ea1p, h\u01b0\u1edbng d\u1eabn nh\u00e2n vi\u00ean m\u1edbi<\/td>18\u201325 tri\u1ec7u\/th\u00e1ng<\/td><\/tr>
Tr\u01b0\u1edfng nh\u00f3m \/ Tr\u01b0\u1edfng b\u1ed9 ph\u1eadn<\/td>8+ n\u0103m<\/td>Qu\u1ea3n l\u00fd \u0111\u1ed9i ng\u0169, x\u00e2y d\u1ef1ng quy tr\u00ecnh<\/td>25\u201340 tri\u1ec7u\/th\u00e1ng<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

C\u00e1c con s\u1ed1 thu nh\u1eadp tr\u00ean mang t\u00ednh tham kh\u1ea3o v\u00e0 c\u00f3 th\u1ec3 kh\u00e1c nhau \u0111\u00e1ng k\u1ec3 t\u00f9y theo lo\u1ea1i h\u00ecnh b\u1ea3o hi\u1ec3m (nh\u00e2n th\u1ecd hay phi nh\u00e2n th\u1ecd), quy m\u00f4 c\u00f4ng ty v\u00e0 khu v\u1ef1c l\u00e0m vi\u1ec7c. M\u1ed9t chuy\u00ean vi\u00ean b\u1ed3i th\u01b0\u1eddng t\u1ea1i c\u00f4ng ty n\u01b0\u1edbc ngo\u00e0i nh\u01b0 AIA, Manulife hay Generali th\u01b0\u1eddng c\u00f3 m\u1ee9c l\u01b0\u01a1ng kh\u00e1c bi\u1ec7t so v\u1edbi doanh nghi\u1ec7p trong n\u01b0\u1edbc.<\/p>\n\n\n\n

5. Th\u00e1ch th\u1ee9c v\u00e0 \u00e1p l\u1ef1c th\u1ef1c t\u1ebf<\/h2>\n\n\n\n

L\u00e0m b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m kh\u00f4ng thi\u1ebfu \u00e1p l\u1ef1c. Kh\u00e1ch h\u00e0ng trong tr\u1ea1ng th\u00e1i c\u0103ng th\u1eb3ng sau s\u1ef1 c\u1ed1 th\u01b0\u1eddng c\u00f3 k\u1ef3 v\u1ecdng chi tr\u1ea3 cao h\u01a1n th\u1ef1c t\u1ebf h\u1ee3p \u0111\u1ed3ng, d\u1eabn \u0111\u1ebfn xung \u0111\u1ed9t th\u01b0\u1eddng xuy\u00ean. Nh\u00e2n vi\u00ean ph\u1ea3i duy tr\u00ec th\u00e1i \u0111\u1ed9 chuy\u00ean nghi\u1ec7p trong khi gi\u1ea3i th\u00edch nh\u1eefng \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb \u2014 \u0111i\u1ec1u m\u00e0 nhi\u1ec1u ng\u01b0\u1eddi cho l\u00e0 ph\u1ea7n kh\u00f3 nh\u1ea5t c\u1ee7a c\u00f4ng vi\u1ec7c.<\/p>\n\n\n\n

Ngo\u00e0i ra, t\u00ecnh tr\u1ea1ng gian l\u1eadn b\u1ea3o hi\u1ec3m (insurance fraud) l\u00e0 th\u00e1ch th\u1ee9c th\u1ef1c s\u1ef1. Theo b\u00e1o c\u00e1o t\u1eeb Hi\u1ec7p h\u1ed9i B\u1ea3o hi\u1ec3m Vi\u1ec7t Nam (IAV), c\u00e1c h\u00e0nh vi khai kh\u1ed1ng t\u1ed5n th\u1ea5t, l\u00e0m gi\u1ea3 h\u1ed3 s\u01a1 y t\u1ebf ho\u1eb7c d\u00e0n d\u1ef1ng tai n\u1ea1n kh\u00f4ng ph\u1ea3i hi\u1ebfm g\u1eb7p. Nh\u00e2n vi\u00ean b\u1ed3i th\u01b0\u1eddng c\u1ea7n c\u00f3 k\u1ef9 n\u0103ng nh\u1eadn di\u1ec7n d\u1ea5u hi\u1ec7u b\u1ea5t th\u01b0\u1eddng trong h\u1ed3 s\u01a1 m\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c k\u1ebft lu\u1eadn sai khi h\u1ed3 s\u01a1 th\u1ef1c s\u1ef1 h\u1ee3p l\u1ec7.<\/p>\n\n\n\n

\u00c1p l\u1ef1c th\u1eddi gian x\u1eed l\u00fd theo quy \u0111\u1ecbnh ph\u00e1p lu\u1eadt c\u0169ng l\u00e0 y\u1ebfu t\u1ed1 t\u1ea1o ra c\u0103ng th\u1eb3ng \u0111\u1eb7c th\u00f9 c\u1ee7a ngh\u1ec1 n\u00e0y. Tuy nhi\u00ean, nh\u1eefng ng\u01b0\u1eddi \u0111\u00e3 quen v\u1edbi \u00e1p l\u1ef1c n\u00e0y th\u01b0\u1eddng \u0111\u00e1nh gi\u00e1 cao t\u00ednh ch\u1ea5t c\u00f4ng vi\u1ec7c \u2014 c\u1ee5 th\u1ec3, c\u00f3 h\u1ec7 th\u1ed1ng v\u00e0 \u00edt ph\u1ee5 thu\u1ed9c v\u00e0o may m\u1eafn h\u01a1n so v\u1edbi m\u1ea3ng kinh doanh.<\/p>\n\n\n\n

\n

L\u1eddi khuy\u00ean:<\/strong><\/p>\n

N\u1ebfu b\u1ea1n m\u1edbi b\u1eaft \u0111\u1ea7u s\u1ef1 nghi\u1ec7p trong b\u1ed9 ph\u1eadn b\u1ed3i th\u01b0\u1eddng, h\u00e3y \u01b0u ti\u00ean l\u00e0m quen v\u1edbi h\u1ec7 th\u1ed1ng ph\u00e2n lo\u1ea1i h\u1ed3 s\u01a1 v\u00e0 quy tr\u00ecnh leo thang (escalation process) c\u1ee7a c\u00f4ng ty trong 3 th\u00e1ng \u0111\u1ea7u. \u0110\u1ecdc k\u1ef9 t\u1eebng \u0111i\u1ec1u kho\u1ea3n c\u1ee7a c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m m\u00e0 b\u1ed9 ph\u1eadn b\u1ea1n \u0111ang x\u1eed l\u00fd \u2014 \u0111\u00e2y l\u00e0 n\u1ec1n t\u1ea3ng \u0111\u1ec3 x\u1eed l\u00fd nhanh v\u00e0 \u00edt sai s\u00f3t nh\u1ea5t. Tham gia c\u00e1c kh\u00f3a h\u1ecdc n\u1ed9i b\u1ed9 ho\u1eb7c ch\u01b0\u01a1ng tr\u00ecnh \u0111\u00e0o t\u1ea1o c\u1ee7a ANZIIF n\u1ebfu c\u00f4ng ty c\u00f3 h\u1ed7 tr\u1ee3 h\u1ecdc ph\u00ed.<\/p>\n<\/div>\n\n\n\n

\u0110\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 n\u1ec1n t\u1ea3ng ng\u00e0nh, b\u1ea1n c\u00f3 th\u1ec3 tham kh\u1ea3o b\u00e0i vi\u1ebft v\u1ec1 b\u1ea3o hi\u1ec3m l\u00e0 g\u00ec v\u00e0 c\u00e1c nguy\u00ean t\u1eafc c\u01a1 b\u1ea3n<\/a><\/em><\/strong> tr\u00ean CareerLink.<\/p>\n\n\n\n

6. C\u00e2u h\u1ecfi th\u01b0\u1eddng g\u1eb7p<\/h2>\n\n\n\n

1. Nh\u00e2n vi\u00ean b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m c\u00f3 c\u1ea7n b\u1eb1ng chuy\u00ean ng\u00e0nh b\u1ea3o hi\u1ec3m kh\u00f4ng?<\/em><\/strong><\/p>\n\n\n\n

Kh\u00f4ng b\u1eaft bu\u1ed9c. Nhi\u1ec1u c\u00f4ng ty tuy\u1ec3n \u1ee9ng vi\u00ean t\u1eeb c\u00e1c ng\u00e0nh T\u00e0i ch\u00ednh, Lu\u1eadt, K\u1ebf to\u00e1n ho\u1eb7c Y t\u1ebf v\u00e0 \u0111\u00e0o t\u1ea1o nghi\u1ec7p v\u1ee5 b\u1ed3i th\u01b0\u1eddng n\u1ed9i b\u1ed9. \u0110i\u1ec1u quan tr\u1ecdng h\u01a1n b\u1eb1ng c\u1ea5p l\u00e0 kh\u1ea3 n\u0103ng \u0111\u1ecdc hi\u1ec3u h\u1ee3p \u0111\u1ed3ng, ph\u00e2n t\u00edch h\u1ed3 s\u01a1 v\u00e0 giao ti\u1ebfp r\u00f5 r\u00e0ng v\u1edbi kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n

2. B\u1ed9 ph\u1eadn b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd v\u00e0 nh\u00e2n th\u1ecd c\u00f3 kh\u00e1c nhau nhi\u1ec1u kh\u00f4ng?<\/em><\/strong><\/p>\n\n\n\n

Kh\u00e1c nhau \u0111\u00e1ng k\u1ec3 v\u1ec1 lo\u1ea1i h\u1ed3 s\u01a1 v\u00e0 quy tr\u00ecnh. B\u1ed3i th\u01b0\u1eddng phi nh\u00e2n th\u1ecd (xe, t\u00e0i s\u1ea3n, h\u00e0ng h\u00f3a) th\u01b0\u1eddng c\u1ea7n ph\u1ed1i h\u1ee3p v\u1edbi gi\u00e1m \u0111\u1ecbnh vi\u00ean th\u1ef1c \u0111\u1ecba v\u00e0 th\u1eddi gian x\u1eed l\u00fd ng\u1eafn h\u01a1n. B\u1ed3i th\u01b0\u1eddng nh\u00e2n th\u1ecd th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn h\u1ed3 s\u01a1 y t\u1ebf, quy tr\u00ecnh d\u00e0i h\u01a1n v\u00e0 y\u00eau c\u1ea7u hi\u1ec3u bi\u1ebft s\u00e2u h\u01a1n v\u1ec1 \u0111i\u1ec1u kho\u1ea3n s\u1ee9c kh\u1ecfe v\u00e0 t\u1eed vong.<\/p>\n\n\n\n

3. L\u00e0m b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 chuy\u1ec3n sang v\u1ecb tr\u00ed n\u00e0o trong t\u01b0\u01a1ng lai?<\/em><\/strong><\/p>\n\n\n\n

Kinh nghi\u1ec7m b\u1ed3i th\u01b0\u1eddng t\u1ea1o n\u1ec1n t\u1ea3ng t\u1ed1t \u0111\u1ec3 chuy\u1ec3n sang c\u00e1c v\u1ecb tr\u00ed nh\u01b0 Qu\u1ea3n l\u00fd r\u1ee7i ro (Risk Manager), Ki\u1ec3m to\u00e1n n\u1ed9i b\u1ed9 b\u1ea3o hi\u1ec3m, Gi\u00e1m \u0111\u1ecbnh vi\u00ean \u0111\u1ed9c l\u1eadp (Loss Adjuster), ho\u1eb7c th\u1eadm ch\u00ed Chuy\u00ean gia ph\u00e1p ch\u1ebf trong c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m quy m\u00f4 l\u1edbn nh\u01b0 B\u1ea3o Vi\u1ec7t, PVI hay B\u1ea3o Minh.<\/p>\n\n\n\n

Vai tr\u00f2 c\u1ee7a nh\u00e2n vi\u00ean b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m<\/strong> trong h\u1ec7 sinh th\u00e1i ng\u00e0nh b\u1ea3o hi\u1ec3m th\u01b0\u1eddng b\u1ecb \u0111\u00e1nh gi\u00e1 th\u1ea5p h\u01a1n th\u1ef1c t\u1ebf \u0111\u00f3ng g\u00f3p. \u0110\u00e2y l\u00e0 v\u1ecb tr\u00ed \u0111\u00f2i h\u1ecfi s\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa ki\u1ebfn th\u1ee9c ph\u00e1p l\u00fd, k\u1ef9 n\u0103ng ph\u00e2n t\u00edch v\u00e0 kh\u1ea3 n\u0103ng x\u1eed l\u00fd t\u00ecnh hu\u1ed1ng c\u00f3 t\u00ednh r\u1ee7i ro cao. V\u1edbi th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam ti\u1ebfp t\u1ee5c m\u1edf r\u1ed9ng theo \u0111\u1ecbnh h\u01b0\u1edbng c\u1ee7a B\u1ed9 T\u00e0i ch\u00ednh, nhu c\u1ea7u nh\u00e2n s\u1ef1 chuy\u00ean m\u00f4n \u1edf b\u1ed9 ph\u1eadn n\u00e0y nhi\u1ec1u kh\u1ea3 n\u0103ng s\u1ebd t\u0103ng theo \u2014 nh\u1ea5t l\u00e0 t\u1ea1i c\u00e1c \u0111\u00f4 th\u1ecb l\u1edbn v\u00e0 c\u00e1c c\u00f4ng ty c\u00f3 danh m\u1ee5c s\u1ea3n ph\u1ea9m \u0111a d\u1ea1ng.<\/p>\n\n\n\n

Minh An<\/strong><\/p>\n\n\n\n

N\u1ed9i dung trong b\u00e0i mang t\u00ednh tham kh\u1ea3o v\u00e0 \u0111\u1ecbnh h\u01b0\u1edbng t\u1ed5ng quan; c\u01a1 h\u1ed9i ngh\u1ec1 nghi\u1ec7p v\u00e0 thu nh\u1eadp th\u1ef1c t\u1ebf c\u00f3 th\u1ec3 kh\u00e1c nhau t\u00f9y thu\u1ed9c v\u00e0o n\u0103ng l\u1ef1c, kinh nghi\u1ec7m, v\u1ecb tr\u00ed, doanh nghi\u1ec7p v\u00e0 th\u1eddi \u0111i\u1ec3m th\u1ecb tr\u01b0\u1eddng.<\/em><\/p>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

Trong h\u1ec7 th\u1ed1ng v\u1eadn h\u00e0nh c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, kh\u00f4ng \u00edt ng\u01b0\u1eddi ch\u1ec9 bi\u1ebft \u0111\u1ebfn \u0111\u1ed9i ng\u0169 kinh doanh hay t\u01b0 v\u1ea5n vi\u00ean, …<\/p>\n","protected":false},"author":58,"featured_media":3570,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[56],"class_list":["post-3544","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-che-do-phuc-loi","tag-thue-tncn"],"_links":{"self":[{"href":"https:\/\/mb668s.com\/cam-nang-luong\/wp-json\/wp\/v2\/posts\/3544","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/mb668s.com\/cam-nang-luong\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/mb668s.com\/cam-nang-luong\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/mb668s.com\/cam-nang-luong\/wp-json\/wp\/v2\/users\/58"}],"replies":[{"embeddable":true,"href":"https:\/\/mb668s.com\/cam-nang-luong\/wp-json\/wp\/v2\/comments?post=3544"}],"version-history":[{"count":1,"href":"https:\/\/mb668s.com\/cam-nang-luong\/wp-json\/wp\/v2\/posts\/3544\/revisions"}],"predecessor-version":[{"id":3571,"href":"https:\/\/mb668s.com\/cam-nang-luong\/wp-json\/wp\/v2\/posts\/3544\/revisions\/3571"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/mb668s.com\/cam-nang-luong\/wp-json\/wp\/v2\/media\/3570"}],"wp:attachment":[{"href":"https:\/\/mb668s.com\/cam-nang-luong\/wp-json\/wp\/v2\/media?parent=3544"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/mb668s.com\/cam-nang-luong\/wp-json\/wp\/v2\/categories?post=3544"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/mb668s.com\/cam-nang-luong\/wp-json\/wp\/v2\/tags?post=3544"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}