{"id":1380,"date":"2025-12-29T18:27:55","date_gmt":"2025-12-29T17:27:55","guid":{"rendered":"https:\/\/schweiz.blog\/?p=1380"},"modified":"2026-03-19T14:19:32","modified_gmt":"2026-03-19T13:19:32","slug":"bao-hiem-xe-hoi-o-thuy-si-co-gia-bao-nhieu","status":"publish","type":"post","link":"https:\/\/schweiz.blog\/vi\/was-kostet-eine-autoversicherung-in-der-schweiz\/","title":{"rendered":"B\u1ea3o hi\u1ec3m xe h\u01a1i \u1edf Th\u1ee5y S\u0129 c\u00f3 gi\u00e1 bao nhi\u00eau?"},"content":{"rendered":"<p class=\"wp-block-paragraph\"><strong>B\u1ea3o hi\u1ec3m xe h\u01a1i \u1edf Th\u1ee5y S\u0129 c\u00f3 gi\u00e1 bao nhi\u00eau?<\/strong> H\u00e0ng tr\u0103m ngh\u00ecn t\u00e0i x\u1ebf t\u1ef1 h\u1ecfi c\u00e2u h\u1ecfi n\u00e0y m\u1ed7i n\u0103m \u2013 \u0111\u1eb7c bi\u1ec7t l\u00e0 tr\u01b0\u1edbc khi mua xe ho\u1eb7c thay \u0111\u1ed5i nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m. Chi ph\u00ed thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 t\u00f9y thu\u1ed9c v\u00e0o t\u1eebng c\u00e1 nh\u00e2n, lo\u1ea1i xe v\u00e0\u2026 <a href=\"https:\/\/schweiz.blog\/vi\/loai\/mang-song\/\" data-type=\"category\" data-id=\"2725\">N\u01a1i c\u01b0 tr\u00fa<\/a>. B\u00e0i vi\u1ebft n\u00e0y cung c\u1ea5p c\u00e1i nh\u00ecn t\u1ed5ng quan th\u1ef1c t\u1ebf v\u1ec1 gi\u00e1 c\u1ea3, c\u00e1c y\u1ebfu t\u1ed1 \u1ea3nh h\u01b0\u1edfng v\u00e0 c\u00e1c c\u00e1ch ti\u1ebft ki\u1ec7m.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Chi ph\u00ed b\u1ea3o hi\u1ec3m xe h\u01a1i trung b\u00ecnh<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1ea1i Th\u1ee5y S\u0129, <strong>chi ph\u00ed h\u00e0ng n\u0103m cho b\u1ea3o hi\u1ec3m xe h\u01a1i<\/strong> trung b\u00ecnh v\u00e0o:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1:<\/strong> x\u1ea5p x\u1ec9. <strong>300\u2013600 CHF<\/strong><\/li>\n\n\n\n<li><strong>B\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n m\u1ed9t ph\u1ea7n:<\/strong> x\u1ea5p x\u1ec9. <strong>500\u2013900 CHF<\/strong><\/li>\n\n\n\n<li><strong>B\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n:<\/strong> x\u1ea5p x\u1ec9. <strong>900\u20131.600 CHF<\/strong><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Nh\u1eefng con s\u1ed1 n\u00e0y ch\u1ec9 mang t\u00ednh ch\u1ea5t tham kh\u1ea3o. T\u00f9y thu\u1ed9c v\u00e0o y\u00eau c\u1ea7u c\u1ee5 th\u1ec3, chi ph\u00ed c\u00f3 th\u1ec3 cao h\u01a1n ho\u1eb7c th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">Nh\u1eefng y\u1ebfu t\u1ed1 n\u00e0o \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn gi\u00e1 c\u1ea3?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m ri\u00eang cho t\u1eebng tr\u01b0\u1eddng h\u1ee3p. Nh\u1eefng y\u1ebfu t\u1ed1 sau \u0111\u00e2y \u0111\u1eb7c bi\u1ec7t quan tr\u1ecdng:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">1. Xe c\u1ed9<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gi\u00e1 v\u00e0 m\u1eabu m\u1edbi<\/li>\n\n\n\n<li>C\u00f4ng su\u1ea5t \u0111\u1ed9ng c\u01a1<\/li>\n\n\n\n<li>Chi ph\u00ed s\u1eeda ch\u1eefa<\/li>\n\n\n\n<li>nguy c\u01a1 tr\u1ed9m c\u1eafp<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">2. H\u1ed3 s\u01a1 t\u00e0i x\u1ebf<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tu\u1ed5i t\u00e1c v\u00e0 kinh nghi\u1ec7m l\u00e1i xe<\/li>\n\n\n\n<li>L\u1edbp h\u01b0\u1edfng \u01b0u \u0111\u00e3i kh\u00f4ng khi\u1ebfu n\u1ea1i<\/li>\n\n\n\n<li>Qu\u1eadn c\u01b0 tr\u00fa<\/li>\n\n\n\n<li>S\u1eed d\u1ee5ng (c\u00e1 nh\u00e2n \/ doanh nghi\u1ec7p)<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">3. Ph\u1ea1m vi b\u1ea3o hi\u1ec3m<\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>M\u1ee9c kh\u1ea5u tr\u1eeb<\/li>\n\n\n\n<li>B\u1ea3o hi\u1ec3m b\u1ed5 sung<\/li>\n\n\n\n<li>H\u1ec7 th\u1ed1ng th\u01b0\u1edfng\/ph\u1ea1t<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1, b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n m\u1ed9t ph\u1ea7n hay b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n?<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m d\u00e2n s\u1ef1 (b\u1eaft bu\u1ed9c)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m n\u00e0y chi tr\u1ea3 thi\u1ec7t h\u1ea1i cho b\u00ean th\u1ee9 ba. \u0110\u00e2y l\u00e0 l\u1ef1a ch\u1ecdn ti\u1ebft ki\u1ec7m nh\u1ea5t, \u0111\u01b0\u1ee3c khuy\u1ebfn ngh\u1ecb cho c\u00e1c xe \u0111\u1eddi c\u0169.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n m\u1ed9t ph\u1ea7n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m bao g\u1ed3m c\u00e1c thi\u1ec7t h\u1ea1i nh\u01b0 tr\u1ed9m c\u1eafp, v\u1ee1 k\u00ednh, m\u01b0a \u0111\u00e1 ho\u1eb7c va ch\u1ea1m v\u1edbi \u0111\u1ed9ng v\u1eadt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">B\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m b\u1ed5 sung cho thi\u1ec7t h\u1ea1i do tai n\u1ea1n \u0111\u1ed1i v\u1edbi xe c\u1ee7a ch\u00ednh b\u1ea1n. H\u1eefu \u00edch cho xe m\u1edbi ho\u1eb7c xe thu\u00ea.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">S\u1ef1 kh\u00e1c bi\u1ec7t theo bang<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Chi ph\u00ed s\u1ebd kh\u00e1c nhau \u0111\u00e1ng k\u1ec3 t\u00f9y thu\u1ed9c v\u00e0o n\u01a1i b\u1ea1n sinh s\u1ed1ng. Nguy\u00ean nh\u00e2n bao g\u1ed3m:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Th\u1ed1ng k\u00ea tai n\u1ea1n<\/li>\n\n\n\n<li>T\u1ef7 l\u1ec7 tr\u1ed9m c\u1eafp<\/li>\n\n\n\n<li>Gi\u00e1 s\u1eeda ch\u1eefa<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c th\u00e0nh ph\u1ed1 nh\u01b0 Zurich hay Geneva th\u01b0\u1eddng \u0111\u1eaft \u0111\u1ecf h\u01a1n c\u00e1c v\u00f9ng n\u00f4ng th\u00f4n.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ti\u1ebft ki\u1ec7m ti\u1ec1n b\u1ea3o hi\u1ec3m xe h\u01a1i?<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ch\u1ecdn m\u1ee9c kh\u1ea5u tr\u1eeb cao h\u01a1n<\/li>\n\n\n\n<li>So s\u00e1nh c\u00e1c nh\u00e0 cung c\u1ea5p h\u00e0ng n\u0103m<\/li>\n\n\n\n<li>Tr\u00e1nh c\u00e1c d\u1ecbch v\u1ee5 b\u1ed5 sung kh\u00f4ng c\u1ea7n thi\u1ebft<\/li>\n\n\n\n<li>T\u00edch c\u1ef1c n\u00e2ng cao c\u1ea5p \u0111\u1ed9 th\u01b0\u1edfng (l\u00e1i xe kh\u00f4ng b\u1ecb h\u01b0 h\u1ecfng)<\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\">K\u1ebft lu\u1eadn<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">B\u1ea3o hi\u1ec3m xe h\u01a1i \u1edf Th\u1ee5y S\u0129 c\u00f3 gi\u00e1 bao nhi\u00eau? C\u00e2u tr\u1ea3 l\u1eddi ph\u1ee5 thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o ho\u00e0n c\u1ea3nh c\u00e1 nh\u00e2n c\u1ee7a b\u1ea1n. Tr\u00ean th\u1ef1c t\u1ebf, b\u1ea1n n\u00ean... <strong>t\u1eeb 300 \u0111\u1ebfn 1.600 CHF m\u1ed7i n\u0103m<\/strong> H\u00e3y l\u00ean k\u1ebf ho\u1ea1ch tr\u01b0\u1edbc. So s\u00e1nh gi\u00e1 h\u1ea7u nh\u01b0 lu\u00f4n mang l\u1ea1i l\u1ee3i \u00edch \u2013 th\u01b0\u1eddng th\u00ec b\u1ea1n c\u00f3 th\u1ec3 ti\u1ebft ki\u1ec7m \u0111\u01b0\u1ee3c v\u00e0i tr\u0103m franc.<\/p>\n\n\n\n<!-- schweiz.blog x schweiz.work -->\n<div style=\"  margin:56px 0;  padding:24px 28px;  border-left:3px solid #60a5fa;  background:rgba(255,255,255,0.02);  color:#e5e7eb;  font-family:system-ui,sans-serif;\">\n  <p style=\"margin:0 0 12px 0; font-size:15px; line-height:1.7;\">\n    Ngo\u00e0i blog n\u00e0y, ch\u00fang t\u00f4i c\u00f2n v\u1eadn h\u00e0nh <strong>schweiz.work<\/strong>  \n    m\u1ed9t n\u1ec1n t\u1ea3ng cung c\u1ea5p d\u1ecbch v\u1ee5 t\u1ea1i Th\u1ee5y S\u0129.\n  <\/p>\n\n  <p style=\"margin:0; font-size:15px;\">\n    <a href=\"https:\/\/schweiz.work\/?ref=schweizblog\" style=\"color:#93c5fd; font-weight:500; text-decoration:none;\" target=\"_blank\" rel=\"noopener\">\n      1 qu\u1ea3ng c\u00e1o mi\u1ec5n ph\u00ed trong 30 ng\u00e0y \u2192\n    <\/a>\n  <\/p>\n<\/div>\n<!-- \/schweiz.blog x schweiz.work -->","protected":false},"excerpt":{"rendered":"Was kostet eine Autoversicherung in der Schweiz? Diese Frage stellen sich jedes Jahr hunderttausende Autofahrer \u2013 besonders vor&hellip;","protected":false},"author":274216737,"featured_media":1384,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"csco_display_header_overlay":false,"csco_singular_sidebar":"","csco_page_header_type":"","csco_page_load_nextpost":"","csco_page_reading_time":"","csco_page_toc_navigation":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"csco_post_video_bg_volume":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_post_was_ever_published":false},"categories":[2725,2710],"tags":[3458,3460,3462,3461,3459],"class_list":{"0":"post-1380","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-leben","8":"category-allgemein","9":"tag-autoversicherung-kosten-schweiz","10":"tag-haftpflicht-auto-schweiz","11":"tag-teilkasko-schweiz","12":"tag-vollkasko-schweiz","13":"tag-was-kostet-eine-autoversicherung-in-der-schweiz","14":"cs-entry","15":"cs-video-wrap"},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/schweiz.blog\/wp-content\/uploads\/2025\/12\/20251229_1826_Autoversicherung-Schweiz-Minimalistisch_simple_compose_01kdnjbd84f86bbqtr7v5ankz2.png?fit=1536%2C1024&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pgWLwP-mg","_links":{"self":[{"href":"https:\/\/schweiz.blog\/vi\/wp-json\/wp\/v2\/posts\/1380","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/schweiz.blog\/vi\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/schweiz.blog\/vi\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/vi\/wp-json\/wp\/v2\/users\/274216737"}],"replies":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/vi\/wp-json\/wp\/v2\/comments?post=1380"}],"version-history":[{"count":2,"href":"https:\/\/schweiz.blog\/vi\/wp-json\/wp\/v2\/posts\/1380\/revisions"}],"predecessor-version":[{"id":1385,"href":"https:\/\/schweiz.blog\/vi\/wp-json\/wp\/v2\/posts\/1380\/revisions\/1385"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/schweiz.blog\/vi\/wp-json\/wp\/v2\/media\/1384"}],"wp:attachment":[{"href":"https:\/\/schweiz.blog\/vi\/wp-json\/wp\/v2\/media?parent=1380"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/schweiz.blog\/vi\/wp-json\/wp\/v2\/categories?post=1380"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/schweiz.blog\/vi\/wp-json\/wp\/v2\/tags?post=1380"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}