{"id":3547,"date":"2021-09-30T19:03:05","date_gmt":"2021-09-30T17:03:05","guid":{"rendered":"https:\/\/polisarium.ozx.pl\/ubezpieczenie\/ubezpieczenie-ocac-uniqa\/"},"modified":"2026-10-26T21:22:13","modified_gmt":"2026-10-26T20:22:13","slug":"bao-hiem-ocac-cua-uniqa","status":"publish","type":"ubezpieczenie","link":"https:\/\/polisarium.pl\/vi\/tu\/uniqa\/samochod\/ubezpieczenie-ocac-uniqa\/","title":{"rendered":"B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 v\u00e0 b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n (OC+AC) c\u1ee7a Uniqa"},"content":{"rendered":"<h2 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 v\u00e0 b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n t\u1ea1i Uniqa<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110\u00e2y l\u00e0 cam k\u1ebft chi tr\u1ea3 chi ph\u00ed s\u1eeda ch\u1eefa ho\u1eb7c b\u1ed3i th\u01b0\u1eddng cho c\u00e1c thi\u1ec7t h\u1ea1i nh\u1ecf ho\u1eb7c to\u00e0n b\u1ed9.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nh\u1eefng \u01b0u \u0111i\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 v\u00e0 b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n (OC+AC):<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ch\u00fang t\u00f4i cung c\u1ea5p m\u1ee9c gi\u00e1 c\u1ea1nh tranh \u2013 h\u00e3y t\u1ef1 m\u00ecnh t\u00ecm hi\u1ec3u b\u1eb1ng c\u00e1ch t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn ho\u1eb7c qua \u0111i\u1ec7n tho\u1ea1i.<\/li>\n\n\n<li>G\u00f3i n\u00e0y bao g\u1ed3m b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC), b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n (AC) v\u00e0 d\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 MIDI. B\u1ea1n c\u00f3 th\u1ec3 mua Th\u1ebb Xanh d\u01b0\u1edbi d\u1ea1ng t\u00f9y ch\u1ecdn b\u1ed5 sung (v\u1edbi m\u1ee9c ph\u00ed ch\u1ec9 t\u1eeb 20 z\u0142\/n\u0103m).<\/li>\n\n\n<li>B\u1ea1n c\u00f3 th\u1ec3 thanh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m theo t\u1eebng \u0111\u1ee3t ho\u1eb7c b\u1eb1ng b\u1ea5t k\u1ef3 h\u00ecnh th\u1ee9c thanh to\u00e1n n\u00e0o.<\/li>\n\n\n<li>B\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o m\u1ee9c \u0111\u1ed9 b\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n trong nhi\u1ec1u t\u00ecnh hu\u1ed1ng kh\u00e1c nhau tr\u00ean \u0111\u01b0\u1eddng.<\/li>\n\n\n<li>B\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c gi\u1eef nguy\u00ean c\u00e1c m\u1ee9c gi\u1ea3m gi\u00e1 d\u00e0nh cho nh\u1eefng ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng g\u00e2y tai n\u1ea1n.<\/li>\n\n\n<li>N\u1ebfu qu\u00fd kh\u00e1ch m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u1edbi m\u1ee9c b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u0111\u1ea3m b\u1ea3o c\u1ed9ng th\u00eam (GSU+), gi\u00e1 tr\u1ecb xe s\u1ebd kh\u00f4ng gi\u1ea3m trong su\u1ed1t th\u1eddi h\u1ea1n h\u1ee3p \u0111\u1ed3ng. Trong tr\u01b0\u1eddng h\u1ee3p xe b\u1ecb h\u01b0 h\u1ecfng to\u00e0n b\u1ed9 ho\u1eb7c b\u1ecb tr\u1ed9m c\u1eafp, s\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng s\u1ebd t\u01b0\u01a1ng \u1ee9ng v\u1edbi gi\u00e1 tr\u1ecb c\u1ee7a xe t\u1ea1i th\u1eddi \u0111i\u1ec3m x\u1ea3y ra s\u1ef1 c\u1ed1 \u2013 kh\u00f4ng th\u1ea5p h\u01a1n gi\u00e1 tr\u1ecb ghi trong h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m v\u00e0 kh\u00f4ng cao h\u01a1n 110% gi\u00e1 tr\u1ecb \u0111\u00f3.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">C\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m n\u1eb1m trong g\u00f3i b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) v\u00e0 b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n (AC):<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>OC \u2013 b\u1ea3o hi\u1ec3m b\u1eaft bu\u1ed9c d\u00e0nh cho ch\u1ee7 s\u1edf h\u1eefu \u00f4 t\u00f4, b\u1ea3o v\u1ec7 tr\u01b0\u1edbc tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u0111\u1ed1i v\u1edbi nh\u1eefng thi\u1ec7t h\u1ea1i m\u00e0 b\u1ea1n g\u00e2y ra cho ng\u01b0\u1eddi kh\u00e1c li\u00ean quan \u0111\u1ebfn vi\u1ec7c l\u01b0u th\u00f4ng c\u1ee7a chi\u1ebfc xe c\u1ee7a b\u1ea1n.<\/li>\n\n\n<li>AC \u2013 B\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n cho xe \u00f4 t\u00f4, \u0111\u1ea3m b\u1ea3o chi tr\u1ea3 chi ph\u00ed s\u1eeda ch\u1eefa ho\u1eb7c b\u1ed3i th\u01b0\u1eddng trong nhi\u1ec1u tr\u01b0\u1eddng h\u1ee3p kh\u00e1c nhau \u2013 t\u1eeb nh\u1eefng s\u1ef1 c\u1ed1 nh\u1ecf (nh\u01b0 va ch\u1ea1m nh\u1eb9, h\u00e0nh vi ph\u00e1 ho\u1ea1i) \u0111\u1ebfn nh\u1eefng thi\u1ec7t h\u1ea1i to\u00e0n b\u1ed9 (nh\u01b0 m\u1ea5t xe do h\u1ecfa ho\u1ea1n, thi\u00ean tai, xe b\u1ecb h\u1ee7y ho\u1ea1i ho\u00e0n to\u00e0n sau tai n\u1ea1n), c\u0169ng nh\u01b0 tr\u01b0\u1eddng h\u1ee3p m\u1ea5t xe do b\u1ecb tr\u1ed9m c\u1eafp.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ch\u00ednh b\u1ea1n l\u00e0 ng\u01b0\u1eddi quy\u1ebft \u0111\u1ecbnh ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a m\u00ecnh.<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>C\u00e1ch kh\u1eafc ph\u1ee5c h\u01b0 h\u1ecfng \u2013 t\u1ea1i Trung t\u00e2m D\u1ecbch v\u1ee5 \u1ee6y quy\u1ec1n (ASO), theo b\u00e1o gi\u00e1, hay t\u1ea1i x\u01b0\u1edfng s\u1eeda ch\u1eefa.<\/li>\n\n\n<li>Ph\u1ea1m vi \u00e1p d\u1ee5ng c\u1ee7a b\u1ea3o hi\u1ec3m AC c\u00f3 bao g\u1ed3m to\u00e0n b\u1ed9 ch\u00e2u \u00c2u kh\u00f4ng?<\/li>\n\n\n<li>D\u1ecbch v\u1ee5 n\u00e0y c\u00f3 b\u1ea3o hi\u1ec3m cho c\u00e1c trang b\u1ecb b\u1ed5 sung c\u1ee7a xe kh\u00f4ng? (t\u00f9y ch\u1ecdn n\u00e0y ch\u1ec9 \u00e1p d\u1ee5ng khi mua qua \u0111i\u1ec7n tho\u1ea1i)<\/li>\n\n\n<li>S\u1ed1 ti\u1ec1n b\u1ed3i th\u01b0\u1eddng c\u00f3 b\u1ecb kh\u1ea5u tr\u1eeb do s\u1ef1 hao m\u00f2n c\u1ee7a c\u00e1c b\u1ed9 ph\u1eadn (s\u1ef1 hao m\u00f2n t\u1ef1 nhi\u00ean) hay kh\u00f4ng?<\/li>\n\n\n<li>Ph\u1ea7n b\u1ed3i th\u01b0\u1eddng n\u00e0o s\u1ebd l\u00e0 ph\u1ea7n \u0111\u00f3ng g\u00f3p c\u1ee7a b\u1ea1n (ph\u1ea7n t\u1ef1 chi tr\u1ea3)?<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes tabela-tu\" style=\"font-size:0.9em\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\" scope=\"col\">\n<p><strong>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1<\/strong><\/p>\n<\/th><th scope=\"col\">\n<p><strong>H\u1ed7 tr\u1ee3 MIDI<\/strong><\/p>\n<\/th><th scope=\"col\">\n<p><strong>Th\u1ebb Xanh (t\u00f9y ch\u1ecdn b\u1ed5 sung)<\/strong><\/p>\n<\/th><\/tr><\/thead><tbody><tr><td>\n<p>\u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 b\u1eaft bu\u1ed9c d\u00e0nh cho ch\u1ee7 s\u1edf h\u1eefu xe. Lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y s\u1ebd b\u1ea3o v\u1ec7 b\u1ea1n kh\u1ecfi tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 \u0111\u1ed1i v\u1edbi nh\u1eefng thi\u1ec7t h\u1ea1i g\u00e2y ra cho ng\u01b0\u1eddi kh\u00e1c trong qu\u00e1 tr\u00ecnh xe c\u1ee7a b\u1ea1n l\u01b0u th\u00f4ng.<\/p>\n<\/td><td>\n<p>D\u1ecbch v\u1ee5 h\u1ed7 tr\u1ee3 c\u01a1 b\u1ea3n 24\/7 trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n, s\u1ef1 c\u1ed1 k\u1ef9 thu\u1eadt ho\u1eb7c xe b\u1ecb tr\u1ed9m c\u1eafp (\u0111\u00e3 bao g\u1ed3m trong gi\u00e1 G\u00f3i B\u1ea3o hi\u1ec3m Tr\u00e1ch nhi\u1ec7m D\u00e2n s\u1ef1).<\/p>\n<\/td><td>\n<p>B\u1ea1n c\u00f3 th\u1ec3 l\u00e1i xe ra n\u01b0\u1edbc ngo\u00e0i m\u00e0 kh\u00f4ng c\u1ea7n ph\u1ea3i mua b\u1ea3o hi\u1ec3m b\u1ed5 sung ngo\u00e0i n\u01b0\u1edbc (t\u00f9y ch\u1ecdn b\u1ed5 sung cho b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1, ch\u1ec9 t\u1eeb 20 z\u0142\/n\u0103m).<\/p>\n<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>H\u00e3y nh\u1edb nh\u00e9!<\/strong> B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (OC) s\u1ebd kh\u00f4ng b\u1ea3o v\u1ec7 b\u1ea1n trong tr\u01b0\u1eddng h\u1ee3p xe c\u1ee7a b\u1ea1n b\u1ecb h\u01b0 h\u1ecfng, c\u0169ng nh\u01b0 kh\u00f4ng chi tr\u1ea3 b\u1ed3i th\u01b0\u1eddng cho th\u01b0\u01a1ng t\u00edch do tai n\u1ea1n giao th\u00f4ng g\u00e2y ra. V\u00ec s\u1ef1 an to\u00e0n c\u1ee7a b\u1ea1n, ch\u00fang t\u00f4i \u0111\u1ec1 ngh\u1ecb b\u1ea1n m\u1edf r\u1ed9ng ph\u1ea1m vi b\u1ea3o hi\u1ec3m b\u1eb1ng c\u00e1c g\u00f3i b\u1ed5 sung m\u00e0 ch\u00fang t\u00f4i cung c\u1ea5p.<\/p>","protected":false},"featured_media":3415,"template":"","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":""},"rodzaj-ubezpieczenia":[11],"class_list":["post-3547","ubezpieczenie","type-ubezpieczenie","status-publish","has-post-thumbnail","hentry","rodzaj-ubezpieczenia-samochod"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v26.3 (Yoast SEO v28.8) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Ubezpieczenie OC+AC Uniqa | Polisarium<\/title>\n<meta name=\"description\" content=\"Ubezpieczenie OC+AC UNIQA - kompleksowa ochrona Twojego auta w Polsce i Europie. 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