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    24 - C15 - B o hi m b nh hi m nghèo tr n i

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    24 - C15 - B o Hi M B NH Hi M Nghèo TR N I

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    Lê Chí Dũng

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    UY TAC VA DIEU KHOAN AKO ULE WENH HIEM NGHEO TRON BOL séiorCs -QLBH otrdF asec namlldia BS Tak ehinh) ‘Trong Quy tée va Digu khodn nay, céc thudt ng sau day s® duge din gid nhur sau: 1.1 Céng ty: Céng ty TNHH bao hiém nhn th Cathay - Vigt Nam, 6 Gidy phép thanh lip va hoat déng sé: 44GP/KDBH, duge cp ngiy 21 thing 11 nim 2007. 12 Bén mua bio hiém: e4 nhin, 18 che ¢6 nhu edu mun bio hidm, giao két Hop ding bio him véi Cong ty va dng phi bio hiém. Bén mua bio hiém phai ké khai va ky tén én don yéu ciu bao hiém. Bén mua bao hiém c6 thé déng théri la Nguoi duoc bio hiém hode Nadi thy huéng, Té chite: don vi duge thanh lp va dang hoat dng hop phép tai Viét Nam. CA nhéin: ngudi tir di: mudi tim (18) tdi tr6 [én tai thoi diém ndp hd so yéu cau bio tim, dang eu ta tai nue Cong hoa x8 chi nghia Vigt Nam va e6 nang lve hinh vidin sy dy 4 theo quy djnh cba BQ lust dn sy. 1.3 Neubi duge bdo hiém: cd nn hign dang cu tr tat Vigt Nam va duge Céng ty shin bao him theo Quy the va Bi Khoan ea Hop Bang ny. New duge bio hiém thé dng thoi a Neubithy hud. ‘Tubi bao hiém otis Neubi duge bio him vio Nzay higu Ive hop dBng duge thé hign theo bing bén dusi: ‘Thai han déng phi bao hiém | — Mudi (10) nim Hai muoi (20) nam ‘Tudi bao hiém 0-55 tudi 0~45 tudi Cong ty s& khong chip nhian bio hiém cho Ngubi duge bio hiém néu khéng nhan duge str ding ¥ bing vin bin eéa Neubi duge bio hiém hoge ngudi gidm hd hop php cia Ngubi duge bio hiém. Don yéu clu bao hiém c& chit ky cia Neudi duoc bao hiém hog ngudi giém hd hop php cia Neudi duge bio hiém s€ dupe coi Iasi dng y bing van ban. 4 Nguti thy hurdng:t8 chit, ed nhin duge Bén mua bao higm ehi dinh theo Hop ding bio hiém 48 nhan quyén loi bao hiém theo Quy tie va Biéu khodn ny 15 Hp Béng: Hop ding bio hiém duge quy dinh tai Bigu 2.1 1.6 én duge chuyén niurgng: ed nhin hofe 18 che duge Bén mua bio hiém chuyén nhueng toan 69 Hop Deng theo Quy tie vi Digu khodn nay va theo quy dinh hign hint cia phap ludt Vigt Nam vo thei diém chuyén nhugng. 1.7 Tai nan: m6t sw kign hole mot chudi sy kign khong bi gin doan gay ra bai tée dng ‘ea mot lye hode mot vat bat ngo tr bén ngoai, khong cha dinh va ngoai ¥ muén cia Neuéi duve bio hiém ln co thé Ngubi due bio hiém, nay ra trong thoi gian e6 higu lye ciia Hop Déng, Su kién hoi ehudi sy kign néu trén phai la nguyén nhan trac tiep sy ra thuong tft hofe tir vong cho Neuisi due bio higm, Trang | Li6 17 Las Lay 1.20 121 1.22 1.23 Nedy higu lve hop dng: due gh trong Hop Béng va la ngdy Bén mua bio hiém dién day dit vio don yéu ed bio him va ndp dii Khon phi bao hiém dt tén theo Quy tie va Digu khoan nay, v6i didu kign Bén mua bao hiém vi Ngubi dupe bio hiém cdn séng cho dén thai diém Céng ty thong béo chip nhdn bao hiém Hop Dang, 6 ttn bao hiém: 56 tin théa thus gita Céng ty va BEn mua bio hiém duge trong Hop Dang niy. So tién bio hi e6 thé duge thay d8i theo diéu khodn etia Hop Béngniy Phi bo hiém: khodn tién ma Ben mua bao hiém phi déng cho Céng ty theo dinh ky ng phi va phurong tite déng phi do eéc bén théa thuén NeAy én hgn dong phi bio him: ngay dn han ndp Phi bo him theo diah ky dng phi dupe the hign ta rang Hop Béng. Thdi han d6ng phi bio hiém: khodng thoi gian mu’ (10) nfm hofe hat muro (20) nim Ke ti Ney higu lve hop dng ma Bén mua bio hiém c6 nghia vu déng Phi bio biém cho Céng ty theo quy dinh trong Hop Dong. ‘Tudi bio hidm: tubi cia Neuisi duge bao hiém vao ngay higu Iye ca Hop Bang tinh theo lan sinh nh@t gin nhat vira qua va durge dimng dé xae dinh Phi bao hiém. [Bang ty 1g thong tét: bang dinh nghia mize 49 tia cée Jogi thuong tat va duge kém theo 6 phan cudi cia Quy tic va Digu khoan nay. Gig te hoa lai: 6 tén Bén mua blo hiém s& nhn dupe (ndu c6) theo Quy tic va iu khoan nay, néu e6 yéu cdu chim dit Hop dong bao hiém trong thoi gian Hop dng bao him c6 higu Ive. Hop dng bao him 6 Gil. tri hodn Iai Khi Ben mua bao higm && dng di Phi bao hiém cho hai (02) Nam hop dng va Hop Béng nay 6 higu Ie ft nh hai (02) mm. [Nam hop dings Khodng thi gian mot (01) nm dhrong Tih tinh ti ngay Hop DBng e& higu lye cho dén Nai ky nigm hop dng dau tign hode bat ky nim lign tu tgp theo nao tinh tir Ngay ky nigm hgp dang gin nhat cho dén Ngay ky nigm hop déng tiép theo. Su kin bio hiém: sur kign din dn yéu edu git quyét quyén Ioi bdo hiém theo Quy the va Didu khoan nay Negay ky nigm hop ding: ngay ky nigm tuong ing hang nim cua Ngay higu lye hop dang trong suét thoi gian higu luc cia Hop Déng.. Ben hiém nghéo: a mot tong cde béah nh duge quy dinh tl Bang danh sich benh higm nghéo (nfue dah kém tai phan cui ci Khodn nay), ngoai tit cfc trong hop quy dinh tai Dieu 14 eva Hop Bang nay. ‘Chin doan bénh hiém nghéo: la két qua chimg nhgn ciia chan don sau cing cha mét hay nhigu logi trong eae loai Bénh hiém nghéo duoc xée dinh bai béc si chuyén khoa. Bing danh sich bénh hiém nghéo: danh sich ede Bénh hi&m nghéo s® duge chi tra quyén loi theo quy dinh tai Hop Dang nay nhu din kém tai phan cusi cia Quy tie va Bigu khoain nay. ‘Tho han logit: trong vong chin musoi (90) medy ké ti Ney bi ode chin mui (90) ngay ké tir ngay khoi phuc Hop Déng edn nhiit. \Neay phat hanh: [a ngiy mab Hop Déng duge phat hinh boi Céng ty va duge ghi tuén trang Hop Déng, Iuc cia Hop Ding ‘Trang 2 124 1.25 Giai doan cub: fa khong thoi gian khong qua stu (06) thang ma bac si chuyén Khoa hay mt hi dng y khoa tién lugng Ngudi durge bao hiém s8 tir vong. Sé tin, bio hiém hign tai: s€ duge tinh biing hai tram phiin trim (200%) $6 tin bio hiém néu trong hoi han dng phi hoe bing mét trim phiin train (100%) S6 tién bio. higm néu sau Thi han dng phi Didu2— Hyp dng bio hiém 21 22 Hop ding bio hiém: I thon thugn bing vin ban gitia Cong ty va Bén mua bio hiém, bao g6m: Quy tie va Digu Khodn ciia Bao him bénh higm nghéo tron doi; don yéu civ bao hiém, ede digu khoan bé sung, céc phy luc bé sung va bat KY thOa thug nio gia cae bén, duge dink kim theo bé Hop Béng, theo d6 Cong ty vi Bén mua bio hiém cam két tuén thii Quy tée va Diéu khoan nay. ‘Thai han Hop Dang: Hop Dang c6 higu Ipe ké tir Ngdy higu lye hop ding cho dén nigiy Ngudi duge bio hiém dat chin muoi chin (99) tubi tr khi Hop Bang bi hy 66, chim dat, hiy ngang hode bj mét higu lve theo Quy tic va Bigu khoan nay. Diu 3 - Bao hiém tam thi 31 32 33 34 Bio hiém tam thoi c6 higu lue ké tir ngiy Bén mua bio hiém np don yéu edu bao hiém va da déng dit Khon phi bio hiém div tign cho Céng ty va chdm dit vio mot trong nhing ngiy sau day, tiy theo ngay nao dén trade: 3.1.1 Ngay Hop déng bio hiém duge phat hank; hote 3.1.2 Naty thi tr chi bio hiém duge phét hinh (ein ei vio ngay déng déu bu dlign, néu gi bu dign); hoae 3.1.3. Nédy Bén mua bao hiém 48 nghj hay b6 hd so yéu céu bio hiém bing van ‘ban; hoac 3.1.4 Sau siu mui (60) ngdy ké tr ngay bao hiém tam thoi 6 higu Ive Cng ty sé bao hidm tam th cho Naubi duge bio hiém git ndo nbd hom gita {ibn hai trim (200) trig dng ws Sti bio hiém cia sin pham bao hiém ehinh da ahi trong don yéu céw bio hiém ngu Naud duge bio hiém tr vong do Tai ngn trong {hoi han bio higm tam thai, bat kE Ngubi duge bo hiém ghi tén trong nhigu don yeu clu bio hiém. Néu phi bio hidm iu tién di ding ton hon hai trim tid (200.000.000) dang, Céng ty s& chi tra bao hiém tam thoi bing s6 phi dau tién da ding Dibu kin bao him tom thd: Newdi duge bio hiém phi dud séu mu kam (65) bi hoge khng vuot qué Tubi bio hiém t6i da theo sin phim nay, thy theo tuéi no dén ‘trude, tinh theo ngay sinh nat vira qua gan nhét can cit yao ngdy higu lye ciia bio him tam thai va te vong do Tai nan trong thoi gian bio hiém tam tha 6 higu luc CCéng ty khding chi tri bo hiém tam the néu Newb dvge bio hiém tir vong tre tgp hay gin tigp do mst trong eae nguyén nhin sav: 3.4.1 Tu tir, dit trong trang thai tinh thin tinh téo hay mat tei; hog 3.42 Sir dung tii phép chit ma ty, ct ich thich, argu bia hoge di Khién cée phurong tign giao théng vi pham quy dinh cia phdp ludt hign hanh; hode 3.4.3 Newdi durge bao hiém, Ben mua bio hiém, Nguoi thy hudng thye hign han vi vi pham php luat ‘Trang 3 35 Khi Céng ty chi tra Quyén Igi bao hiém tam thoi theo quy dinh tai Digu 3.2, phi bio hiém dau tin sé khOng duge hodn Igi cho Bén mua bio hiém, Khi bao hiem tam thoi két thie theo ede digu khodn 3 2, 3.1.3 hofe 3.1.4, Cong ty s& hodn lei tong phi di «dong (khOng 6 Iai) sau khi tr chi phi khém y t8, néu c6. id 4— Quyén lg bio hiém 41 42 Quyén 441 412 Quyén 421 Joi bao hiém khi tir vong loge bj thuong tt toan bg va vinh vign ‘rong thdi gian Hop Ding cé higu lye, néu Naudi duge bio hiém, ti vong bode bj thuong tit toan b6 va viah vign, edn eit Vao Quy tie va Dieu khodn nay, Céng ty 8 chi tra Quyén Toi bao hiém khi tit vong hode thuong t€t ton bo va vn i eo ohn) Nau sh rng theo guy din a ies 9 ing 6 tid bao higm hign tai sau khi d¥ Khu tri Quyén loi bgnb hig nel vashoae Quyén ii vong mg tude (nu 6) tinh dn ngty Ngubi duge bio bigm tir vong hode tinh dén ngly mite dO thuong t4t duge xae dinh, Ké Wr thoi diém chi tré quyén loi bao him theo diéu nay, Hop Déng chim dit hu Ive Tiiaomg tit toan bg va vinh vign dupe quy’ dinh chi tgt toi Bang 1 Ig thong sat, Cong ty s chit Quyén loi bio hiem Khi bj thyong tit toinb va vinh vin véi didu kign Newb duge bio hi&m phi duge eo quan y té 66 thim quyén xée nhén la bj thvong t@t toan b6 va vinh vin tuong img véi céc loai duge mo ta ti Bing ty Ie thuong tt, Céng ty £6 quyn yeu ctu Neu duge bbéo hiém tién han gidm dinh mire d6 thong tat boi mét bénh vign hofe trung tam y té dat tiéu chudn do Céng ty chi dinh hoe béi Hoi dng gidm din y thos edp Tinh/Thanh phe. [Néu Ngutii duge bo higm dng th bi Wha (02) loa thuong tt 4d Hen theo uy dinh tai Hop D&ng ny, Cong ty s€ chi te Quyén loi bao hiém khi bi thong tt toan b6 va vith vign eho mot (01) loa thuong tat. ‘Trong truéng hop 6 sy Khe bigtgita dinh nghia/dién glai trong Bang ty 18 thuong {61 eta Hop Ding va chin dodn/gidm dinh cia benh vign hode tung tm y té dat tigu chun, ¢6 thm quyén do Céng ty chi dinh hoge eda HOi ding gdm dinh y khoa cap Tinh’ Thinh phé thi Cong ty sé chip nhan theo dinh rghia/dién giai cia bénh vign/rung tim y 1é hofe H6i dBng gidm dinh y khoa 46, Ioi bénh hiém ngheo ‘Trong thd gian Hop Bang ed higu lu, néu Ngudi duge bao him mic mot Bing dan sch bénh hiém nghéo thi Céng ty sé chi tri Quyén loi nghéo cho (nhing) Ngudi thy hudng theo Diéu 9 bing 100% $6 tién bao hiém cin ett vao Chan dosin bénh hiém nghéo. Hop Déng tiép tue ¢6 higu luc va Céng ty s& mign Phi bio hiém trong tuong lai cho Hop Déng (khong bao gém Phi bao him cia san phim b8 sung); tuy nhién Phi bio hiém 4a dong sé khong duge hoan Iai. Vige chi tra may chi duge thye hign mot Kin déuy nhit trong sudt thdi han 6 higu Tye ea Hop Déng, Sau khi Cong ty chi tra Quyen loi bénh hiém nghéo, cde diéu khodn Tién quan én Quyén loi tt vong ting truse (Digu 4.5) va Duy tri Hop Béng v6i s6 tifm bao hiém giim (Bieu 21) sé kh6ng edn higu luc. Gi tr hoan Iai se duge digu chinh tong tng \6i sb tidn bao hiém cdn Iai. Trang 4 4a 4s 46 4.2.2 Chin doin bénb hiém nghéo duge Cong ty chép nh edn ei vao Kt qua kiém tray khoa eha Ngubi duge bo hiém va duge cung efp boi (hime) New thy hung, 4.23. Trong sung hop 96 sy kh bet ita ce Chin dodn bg hiém nghéo, Cong ty 06 quyén yéu cau Newdi dye bao him thie hign kiém tray khoa ke ta ben vign do Cong ty chi dinh, Cong ty va (nhing) Nau thy huéng phai tus chi két qua kim tray khoa eubietng 42.4 Trong thoi gian Hop Ding c6 higu le, khi Newsi duge bao hiém duge chin doin mie tr hai (02) loai Ben hiém nghéo tee lén nhur duge quy inh trong Bang danh séch bénh hiém nghéo vao eing mét thoi diém thi Quyén loi bénh higm nghéo s@ chi dirge chi tra cho duy nit mOt (01) logi bénh nim trong Bang danh sich bénh hiém nehéo. Quydn Ipi déo han déng phi ‘Trong thé gian Hop Déng e6 higu lve, nw Newbi duge bio hiém edn séng vi khdng, bj throng tt ton bd vinh vign, vio nei du tign sau khi ket the The han déng phi bio hiém, Céng ty & chit Quy Tei dio han déng phi cho (ahimg) New thy hhuéng theo Digu 9 bing 100% S6titn bao hiém. Quyén Ioi trudng the rong thi gian Hop Bing c6 higu Ive, nfu Ngubi duge bio hiém vin edn sing via Kkhdng bj thong Wt toan bo vinh vign Ki dat dén chin muoi chin (99) tub, cin ci vito Quy tie va Bigu khodn cia Hop Béng nay, Céng ty 38 chi tré Quyén Igi trong th cho (nang) Ngui thu huréng theo Digu 9 bing 100% SB tén bao hiém sau khi ku tre Quyén Igi ti vong dng true (néu o6). KE ta thoi diém chi ed Quyén loi trudng tho, Hop Dang chim dit higu lye. Quyén loi tir vong img true 4.5.1 Khi Newdi duge bao higm duge chin doa li tinh trang site Khde 6 Giai doan cui thi 50% Quyén iit vong gin nit 36 duge Cong ty chi tra eho (ohn) [New thy hung theo Bigu 9 cia Hop Bing nay cin of vio yéu edu cia Ben mua bio higm. Sau khi Cong ty chi tra quyén Ii ny, ede dibu khodn ign quan <én Quyén lpi bénh him nghéo (Bigu 4.2) va duy tei Hop Dang véi sé tién bao hi pia (Dieu 21) s& khong con higu he. Gi te hodn lai s& duge digu chinh tong ting vi sé tién bao hiém edn ll. Quyén lo ie vong img trade chi Suye Cong ty chi tré mot (01) lan duy nat trong suét thai han higu Ive eu Hop Bing 45.2. Trong teudng hop o6 st Khe bit vd (ed) ching et Hién quan dén chin doin uwén, Cong ty ©6 quyén yeu chu Neubi duos bio hiém thye hign kigm tra y ition khic tai benh vign do Céng ty chi dinh. Céng ty va (ahi) Newoi thy hug phai tun thi két qua kiém tray khoa eudi edn. Quyén Ioi hoan lai chénb lech 4.6.1 Lali suit eOng bé: Iai suat do Cong ty cong bé, vio ngay dau tién moi thing eda ‘nim duong lich va duge ap dung cho Hop Béng trong suét théng bat daw theo thang duong lich dé. Théng tin vé lai suat e6 thé duge nbn tir trung tam dich ‘wy khich hing hofe trén trang web ea Cong ty 4.6.2 Lai suit cng bé trung binh 12 thing: trung bin cia Iii sudteBing b6 trong 12 thang vita qua duoc dp dung cho Hop Ding trong suét Nam hop dng. ‘Trang $ 4a 48 4.63 Vio cudi mbi Nam hop dng trong su6t Thdi han déng phi, Bén mua bi hiém 6 thé yéu edu Céng ty chi tra Quyén loi hodn Iai chénb Igc, la s6tién twang ting véi s6 lai tinh trén Gié tj hod lai rung binh etla nim & mit lai suat vot «qu, néu c6, cia li suit eng bd trung binh 12 thing so v6i lai suat tinh phi (6.5%) eva Hop Ding. Néu Bén mua bio him khéng yéu céu Cong ty cb tra Quyén Ioi hoan lai chénh Iéch thi s6 tin nay se duge tich Thy lai 6 mute lai suit céng bé hang thing cho dén khi higu le Hop ang chim dit theo quy dinh tai Diéu 17. Gist han Quy Loi thuong tt tn bé vinh vign va Quyn Lait vong: Trong thd gian higu le cia Hop DSng, Céng ty chi chi ti quyén Ioi bio him mét (01) lan va duy nha cho bat ky Sur kign bio hiém nao Nay ra dau tén Trong trudng hop Céng ty ¢6 quyén yéu edu Ngudi duge bio hiém thye hign cae kiém tra khée tai trung tm y té dat tin chudn, bénh vién hodc H6i déng gidm dinh y khoa cp Tinh/Thinh phé nhw duge quy dinh tai Bigu 4.1.2, 4.1.4, 4.2.3, 4.5.2, danh sich bgnh vign, eo sé di tiéu chuén s8 duge théng tin tir trung tam deh vu khéch hang ciia Céng ty hose dai ly cila Cing ty hoe truy cp vao trang web cla Cong ty. atc cdc chi phi dé thye hign ef kiém tra y khoa tren sé do Cong ty chi ta 5~Thoi gian cin nhiie Trong vong hai muoi mét 21) nady ké tr ngy Bén moa bio hiém nhin Hop Dang vit ig ten trén gidy xée nhan bin giao Hop Bang, Bén mua bio higm ¢6 quyén tr ehdi ikhong tip tue tham gia bio him bing céch gti van ban thing bio dén Cong ty, tt lai Hop Déng va cac héa don tai chinh va cdc gidy to can thiét khdc theo yéu cau cia ng ty (néu 66) Cong ty 58 hodn tr li Phi bio hiém ban dau da ng, khong 8 Ii, sau khi tri di ede khodn chi phi hop ly hoBe chi phi ham, xét nghiém y khoa hoie bat ky khodn tién bio hiém da trd ndo lign quan dén Hop Bang, néu o6. Ditu 6—Déng Phi bio hiém va thoi gian gia ham dng phi 61 62 ig 7 Khoi phye 7 én mua bao hiém o6 nghia wy ding céc khodn Phi bio hiém vio ngiy dn han déng phi trong suét thoi han déng phi ea Hop Déng ‘Trong truimg hop Bén mua bao him khéing dng Phi bao him diy di va ding han nur da thoa thud, Céng ty cho phép mt khodng thei gian gia han la séu mvt (60) nly ké ti Nady dén han déug phi bao hiém, Trong thi gan gia han niy, Céng ty kindng tinh Iai d6i vai khoan phi chia ding vi Hop Déng vin e6 higu luc. Néu Bén mua bao hiém van khong dong Phi bao hiém, khéng co yéu cau cham dirt Hop Dong cho dén hée thd gian gia han va Hop Bang khng cb Gia tr hos lai thi Hop Bang sé bj mat higu luc. lye Hop Ding Khi Hop Ding bi mat higu lve theo cde Bigu 6.2, Diu 184 hode Bibu 19.3, Bén mua bio hiém cé thé yéu edu khdi phue higu lve Hop Ding néu dap img tat ca cic diéu kign sau: 7.1.1 Ben mua bio hiém dua ra yéu edu kh6t phy iu lve trong thai gian hai muci bon (24) thing ké tr may Hyp Déng bj mat higw lye gin nha vi 7.1.2 Bén mua bio hiém déng tit ca Phi bao hiém d&n han cha déng, khodn tam {img dong Phi bao hiém ty dng chua thanh ton, phan tam sing tir Gi tr hoan Jai churathanh todn vot qué tam moi lim phi tram (85%) Gil tr hon lat Trang 6 13 (cing véi lai céng din cia tit ed cdc Khodn d6 theo 1 Ig va ede thie do Cong ty quy dinh phi hop v6i cc quy dinh ign quan cia Nesn hang Nha nude Vist Nam); va 7.1.3 Bén mua bao hiém vé Newdi duge bao hiém di diéu kign tham gia bao hiém do Céng ty quy dinh. Néu duge Céng ty chip nhiin yeu elu Khoi phye higu Iue Hop D’ng, thi diém 06 higu Iye eta vige khdi phuc nay duge tinh tirngay Céng ty xe nhén chip thuan vige hoi phys higu le Hop Bing bing van bin, voi diéu kin ed Ben mua bio hiém va Naud dirge bao hit phai cén séng vao thai diém Céng ty chap thudn khdi phuc higu Ie Hop Bing. Cong ty khong bdo hiém cho nhOng Sy kign bio hiém xiy ra trong thoi gian Hop Dg ny bi mat higu Ive Trong thoi gian Hop Déng bi mit higu lue, Bén mua bio hiém o6 thé yéu cdu duge sgn 96 tin bing Gi tj hoa Ini (néu ed) sau khi tir di tc ede khodn tam dng tr Gid tri hon Jai chua thanh todn, khoan tam img déng Phi bao hiém ty déng chua thank tod (cing v6i Iai cOng dn cia tit ed cde Khodn 66 theo 1 Ié va céch the do ng ty quy dinh phi hop v6i cde quy dinh lign quan cia Ngan hang Nha nuge Vigt ‘Nam). Néu Bén mua bao hiém khong yéu cdu kh6i phye higu ie tong ving hai muro bn 24) thing ké tir ngiy Hop Being bi mat hig ine, Hop Ding sé cham dit igu lc. ai tra cho Céng ty hoc do Céng ty chi tra déu duoc thuc hign bing Dida 9 Nou thy hung 9 92 93 o4 98 Bit kj Nuubi thu hung no duge Bén mua bio him chi din trong Hop Béng sé

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