{"id":3357,"date":"2024-07-10T17:04:45","date_gmt":"2024-07-10T10:04:45","guid":{"rendered":"https:\/\/welovesupermom.com\/vn\/blog\/?p=3357"},"modified":"2024-07-31T17:10:45","modified_gmt":"2024-07-31T10:10:45","slug":"4-loai-bao-hiem-ho-gia-dinh-vi-sao-nen-mua","status":"publish","type":"post","link":"https:\/\/welovesupermom.com\/vn\/blog\/4-loai-bao-hiem-ho-gia-dinh-vi-sao-nen-mua\/","title":{"rendered":"4 Lo\u1ea1i B\u1ea3o Hi\u1ec3m H\u1ed9 Gia \u0110\u00ecnh – V\u00ec Sao N\u00ean Mua?"},"content":{"rendered":"\t\t
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B\u1ea3o hi\u1ec3m h\u1ed9 gia \u0111\u00ecnh \u0111ang tr\u1edf th\u00e0nh m\u1ed9t l\u1ef1a ch\u1ecdn ph\u1ed5 bi\u1ebfn v\u00e0 quan tr\u1ecdng trong vi\u1ec7c b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho c\u1ea3 gia \u0111\u00ecnh. B\u00e0i vi\u1ebft n\u00e0y s\u1ebd gi\u00fap b\u1ea1n hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m d\u00e0nh cho h\u1ed9 gia \u0111\u00ecnh, l\u00fd do v\u00ec sao n\u00ean mua v\u00e0 khi n\u00e0o n\u00ean ch\u1ecdn lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0o.<\/span><\/p>

1. C\u00f3 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m h\u1ed9 gia \u0111\u00ecnh n\u00e0o?<\/b><\/h2>

1.1. B\u1ea3o hi\u1ec3m y t\u1ebf<\/i><\/b><\/h3>

B\u1ea3o hi\u1ec3m y t\u1ebf l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m gi\u00fap chi tr\u1ea3 c\u00e1c chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh v\u00e0 \u0111i\u1ec1u tr\u1ecb y t\u1ebf. \u0110\u00e2y l\u00e0 m\u1ed9t trong nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m quan tr\u1ecdng nh\u1ea5t v\u00ec chi ph\u00ed y t\u1ebf c\u00f3 th\u1ec3 r\u1ea5t cao v\u00e0 b\u1ea5t ng\u1edd. Vi\u1ec7c c\u00f3 b\u1ea3o hi\u1ec3m y t\u1ebf gi\u00fap gia \u0111\u00ecnh gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh khi c\u00f3 th\u00e0nh vi\u00ean b\u1ecb \u1ed1m \u0111au ho\u1eb7c c\u1ea7n ch\u0103m s\u00f3c y t\u1ebf d\u00e0i h\u1ea1n.<\/span><\/p>

\u01afu \u0111i\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m y t\u1ebf:<\/b><\/p>

– Chi tr\u1ea3 chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh v\u00e0 \u0111i\u1ec1u tr\u1ecb<\/span><\/p>

– Gi\u1ea3m b\u1edbt g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh khi g\u1eb7p r\u1ee7i ro v\u1ec1 s\u1ee9c kh\u1ecfe<\/span><\/p>

– Th\u1ee7 t\u1ee5c d\u1ec5 d\u00e0ng v\u00e0 ti\u1ec7n l\u1ee3i khi s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 y t\u1ebf<\/span><\/p>

Nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m y t\u1ebf:<\/b><\/p>

– C\u00f3 gi\u1edbi h\u1ea1n v\u1ec1 ph\u1ea1m vi v\u00e0 m\u1ee9c \u0111\u1ed9 chi tr\u1ea3<\/span><\/p>

– M\u1ed9t s\u1ed1 d\u1ecbch v\u1ee5 y t\u1ebf c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m<\/span><\/p>

1.2. B\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/i><\/b><\/h3>

B\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe cung c\u1ea5p s\u1ef1 b\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n h\u01a1n so v\u1edbi b\u1ea3o hi\u1ec3m y t\u1ebf, bao g\u1ed3m c\u1ea3 chi ph\u00ed kh\u00e1m ch\u1eefa b\u1ec7nh, chi ph\u00ed ph\u00f2ng ng\u1eeba, v\u00e0 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe d\u00e0i h\u1ea1n. Ngo\u00e0i ra, b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe c\u00f2n bao g\u1ed3m c\u00e1c d\u1ecbch v\u1ee5 b\u1ed5 sung nh\u01b0 kh\u00e1m s\u1ee9c kh\u1ecfe \u0111\u1ecbnh k\u1ef3, ti\u00eam ch\u1ee7ng, v\u00e0 ch\u0103m s\u00f3c thai s\u1ea3n.<\/span><\/p>

\u01afu \u0111i\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/b><\/p>

– B\u1ea3o v\u1ec7 to\u00e0n di\u1ec7n v\u00e0 to\u00e0n c\u1ea7u<\/span><\/p>

– Bao g\u1ed3m c\u00e1c d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe b\u1ed5 sung<\/span><\/p>

– Gi\u00fap gia \u0111\u00ecnh duy tr\u00ec s\u1ee9c kh\u1ecfe t\u1ed1t v\u00e0 ph\u00f2ng ng\u1eeba b\u1ec7nh t\u1eadt<\/span><\/p>

Nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe<\/b><\/p>

– Ph\u00ed b\u1ea3o hi\u1ec3m cao h\u01a1n so v\u1edbi b\u1ea3o hi\u1ec3m y t\u1ebf<\/span><\/p>

– C\u1ea7n hi\u1ec3u r\u00f5 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 quy\u1ec1n l\u1ee3i \u0111\u1ec3 s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3<\/span><\/p>

\"b\u1ea3o<\/p>

1.3. B\u1ea3o hi\u1ec3m tai n\u1ea1n<\/i><\/b><\/h3>

B\u1ea3o hi\u1ec3m tai n\u1ea1n l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m chi tr\u1ea3 cho c\u00e1c chi ph\u00ed li\u00ean quan \u0111\u1ebfn tai n\u1ea1n, bao g\u1ed3m chi ph\u00ed y t\u1ebf, chi ph\u00ed ph\u1eabu thu\u1eadt, v\u00e0 tr\u1ee3 c\u1ea5p thu nh\u1eadp khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng th\u1ec3 l\u00e0m vi\u1ec7c do tai n\u1ea1n. \u0110\u00e2y l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m quan tr\u1ecdng cho c\u00e1c gia \u0111\u00ecnh, \u0111\u1eb7c bi\u1ec7t l\u00e0 nh\u1eefng ng\u01b0\u1eddi l\u00e0m vi\u1ec7c trong m\u00f4i tr\u01b0\u1eddng nguy hi\u1ec3m ho\u1eb7c c\u00f3 nguy c\u01a1 g\u1eb7p tai n\u1ea1n cao.<\/span><\/p>

\u01afu \u0111i\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m tai n\u1ea1n<\/b><\/p>

– B\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh khi g\u1eb7p tai n\u1ea1n<\/span><\/p>

– Chi tr\u1ea3 chi ph\u00ed y t\u1ebf v\u00e0 tr\u1ee3 c\u1ea5p thu nh\u1eadp<\/span><\/p>

– H\u1ed7 tr\u1ee3 ph\u1ee5c h\u1ed3i sau tai n\u1ea1n<\/span><\/p>

Nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m tai n\u1ea1n<\/b><\/p>

– C\u00f3 gi\u1edbi h\u1ea1n v\u1ec1 ph\u1ea1m vi v\u00e0 m\u1ee9c \u0111\u1ed9 chi tr\u1ea3<\/span><\/p>

– Ph\u00ed b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cao n\u1ebfu nguy c\u01a1 tai n\u1ea1n cao<\/span><\/p>

1.4. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/i><\/b><\/h3>

B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0 lo\u1ea1i b\u1ea3o hi\u1ec3m chi tr\u1ea3 kho\u1ea3n ti\u1ec1n b\u1ed3i th\u01b0\u1eddng khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m qua \u0111\u1eddi. B\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd c\u00f3 nhi\u1ec1u lo\u1ea1i kh\u00e1c nhau nh\u01b0 b\u1ea3o hi\u1ec3m tr\u1ecdn \u0111\u1eddi, b\u1ea3o hi\u1ec3m c\u00f3 th\u1eddi h\u1ea1n v\u00e0 b\u1ea3o hi\u1ec3m li\u00ean k\u1ebft \u0111\u1ea7u t\u01b0, m\u1ed7i lo\u1ea1i \u0111\u1ec1u c\u00f3 nh\u1eefng \u01b0u \u0111i\u1ec3m v\u00e0 nh\u01b0\u1ee3c \u0111i\u1ec3m ri\u00eang.<\/span><\/p>

\u01afu \u0111i\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/b><\/p>

– B\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh l\u00e2u d\u00e0i cho gia \u0111\u00ecnh<\/span><\/p>

– C\u00f3 th\u1ec3 t\u00edch l\u0169y gi\u00e1 tr\u1ecb ti\u1ec1n m\u1eb7t v\u00e0 \u0111\u1ea7u t\u01b0 sinh l\u1eddi<\/span><\/p>

– \u0110\u1ea3m b\u1ea3o an t\u00e2m cho c\u1ea3 gia \u0111\u00ecnh<\/span><\/p>

Nh\u01b0\u1ee3c \u0111i\u1ec3m c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd<\/b><\/p>

– Ph\u00ed b\u1ea3o hi\u1ec3m cao, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1edbi b\u1ea3o hi\u1ec3m tr\u1ecdn \u0111\u1eddi<\/span><\/p>

– C\u1ea7n hi\u1ec3u r\u00f5 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 quy\u1ec1n l\u1ee3i \u0111\u1ec3 s\u1eed d\u1ee5ng hi\u1ec7u qu\u1ea3<\/span><\/p>

\"b\u1ea3o<\/p>

2. V\u00ec sao n\u00ean mua b\u1ea3o hi\u1ec3m h\u1ed9 gia \u0111\u00ecnh?<\/b><\/h2>

B\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho c\u1ea3 gia \u0111\u00ecnh<\/i><\/b><\/h3>

B\u1ea3o hi\u1ec3m h\u1ed9 gia \u0111\u00ecnh mang l\u1ea1i s\u1ef1 an t\u00e2m v\u1ec1 t\u00e0i ch\u00ednh cho c\u1ea3 gia \u0111\u00ecnh. Trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra r\u1ee7i ro nh\u01b0 tai n\u1ea1n, b\u1ec7nh t\u1eadt ho\u1eb7c bi quan h\u01a1n l\u00e0 thi\u1ec7t h\u1ea1i v\u1ec1 nh\u00e2n m\u1ea1ng, b\u1ea3o hi\u1ec3m s\u1ebd gi\u00fap gia \u0111\u00ecnh kh\u00f4ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi g\u00e1nh n\u1eb7ng t\u00e0i ch\u00ednh \u0111\u1ed9t ng\u1ed9t. Kho\u1ea3n ti\u1ec1n b\u1ed3i th\u01b0\u1eddng t\u1eeb b\u1ea3o hi\u1ec3m s\u1ebd gi\u00fap chi tr\u1ea3 c\u00e1c chi ph\u00ed sinh ho\u1ea1t, h\u1ecdc ph\u00ed, v\u00e0 c\u00e1c chi ph\u00ed kh\u00e1c, gi\u00fap gia \u0111\u00ecnh duy tr\u00ec cu\u1ed9c s\u1ed1ng \u1ed5n \u0111\u1ecbnh h\u01a1n.<\/span><\/p>

\u0110\u1ea7u t\u01b0 d\u00e0i h\u1ea1n cho t\u01b0\u01a1ng lai<\/i><\/b><\/h3>

B\u00ean c\u1ea1nh vi\u1ec7c b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh, m\u1ed9t s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd h\u1ed9 gia \u0111\u00ecnh c\u00f2n c\u00f3 t\u00ednh n\u0103ng \u0111\u1ea7u t\u01b0. \u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n c\u00f3 th\u1ec3 s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m nh\u01b0 m\u1ed9t c\u00f4ng c\u1ee5 \u0111\u1ea7u t\u01b0 d\u00e0i h\u1ea1n, t\u00edch l\u0169y t\u00e0i s\u1ea3n cho t\u01b0\u01a1ng lai c\u1ee7a c\u1ea3 gia \u0111\u00ecnh. C\u00e1c kho\u1ea3n ti\u1ec1n \u0111\u00f3ng b\u1ea3o hi\u1ec3m h\u00e0ng th\u00e1ng kh\u00f4ng ch\u1ec9 l\u00e0 kho\u1ea3n chi ph\u00ed b\u1ea3o v\u1ec7 m\u00e0 c\u00f2n c\u00f3 th\u1ec3 sinh l\u1eddi, gi\u00fap gia \u0111\u00ecnh b\u1ea1n c\u00f3 th\u00eam m\u1ed9t ngu\u1ed3n t\u00e0i ch\u00ednh \u0111\u00e1ng k\u1ec3 trong t\u01b0\u01a1ng lai.<\/span><\/p>

N\u1ec1n t\u1ea3ng t\u00e2m l\u00fd v\u1eefng v\u00e0ng cho c\u1ea3 gia \u0111\u00ecnh<\/i><\/b><\/h3>

Khi mua b\u1ea3o hi\u1ec3m h\u1ed9 gia \u0111\u00ecnh, b\u1ea1n s\u1ebd c\u00f3 s\u1ef1 an t\u00e2m r\u1eb1ng d\u00f9 b\u1ea5t k\u1ef3 r\u1ee7i ro n\u00e0o x\u1ea3y ra, gia \u0111\u00ecnh b\u1ea1n v\u1eabn \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 \u1edf m\u1ed9t gi\u1edbi h\u1ea1n nh\u1ea5t \u0111\u1ecbnh. \u0110i\u1ec1u n\u00e0y gi\u00fap b\u1ea1n v\u00e0 ng\u01b0\u1eddi th\u00e2n c\u00f3 th\u1ec3 y\u00ean t\u00e2m s\u1ed1ng v\u00e0 l\u00e0m vi\u1ec7c, kh\u00f4ng lo l\u1eafng qu\u00e1 nhi\u1ec1u v\u1ec1 nh\u1eefng r\u1ee7i ro kh\u00f4ng l\u01b0\u1eddng tr\u01b0\u1edbc.<\/span><\/p>

Chi ph\u00ed t\u1ed1t h\u01a1n<\/i><\/b><\/h3>

M\u1ee9c chi ph\u00ed b\u1ea1n c\u1ea7n b\u1ecf ra \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m h\u1ed9 gia \u0111\u00ecnh th\u01b0\u1eddng s\u1ebd t\u1ed1t h\u01a1n r\u1ea5t nhi\u1ec1u so v\u1edbi vi\u1ec7c mua b\u1ea3o hi\u1ec3m ri\u00eang l\u1ebb cho t\u1eebng c\u00e1 nh\u00e2n. B\u1ea3o hi\u1ec3m h\u1ed9 gia \u0111\u00ecnh c\u00f2n th\u01b0\u1eddng c\u00f3 nh\u1eefng ch\u00ednh s\u00e1ch, \u01b0u \u0111\u00e3i, ch\u01b0\u01a1ng tr\u00ecnh ri\u00eang bi\u1ec7t, nh\u1ea5t l\u00e0 b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe v\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. V\u00ed d\u1ee5 nh\u01b0: b\u1ea3o hi\u1ec3m m\u1eb9 k\u00e8m con\u2026<\/span><\/p>

Mua b\u1ea3o hi\u1ec3m h\u1ed9 gia \u0111\u00ecnh l\u00e0 l\u1ef1a ch\u1ecdn th\u00f4ng minh \u0111\u1ec3 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh cho c\u1ea3 gia \u0111\u00ecnh. T\u00f9y thu\u1ed9c v\u00e0o nhu c\u1ea7u v\u00e0 t\u00e0i ch\u00ednh m\u00e0 b\u1ea1n c\u00f3 th\u1ec3 l\u1ef1a ch\u1ecdn g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p cho c\u1ea3 nh\u00e0.<\/span><\/p>

\"\"<\/p>

Tham gia ngay kh\u1ea3o s\u00e1t c\u00f9ng Supermom – C\u01a1 h\u1ed9i nh\u1eadn gi\u1ea3i th\u01b0\u1edfng tr\u1ecb gi\u00e1 1,500,000 VND!!!<\/b><\/span><\/h2>

Tham gia ngay kh\u1ea3o s\u00e1t quan tr\u1ecdng v\u1ec1 b\u1ea3o hi\u1ec3m gia \u0111\u00ecnh – c\u01a1 h\u1ed9i tuy\u1ec7t v\u1eddi \u0111\u1ec3 c\u00e1c m\u1eb9 c\u00f3 th\u1ec3 chia s\u1ebb nh\u1eefng suy ngh\u0129 v\u00e0 kinh nghi\u1ec7m qu\u00fd b\u00e1u c\u1ee7a ch\u00ednh m\u00ecnh!<\/span><\/p>

\ud83c\udf1fC\u01a1 h\u1ed9i nh\u1eadn gi\u1ea3i th\u01b0\u1edfng tr\u1ecb gi\u00e1 1,500,000 VND ch\u1ec9 v\u1edbi v\u00e0i ph\u00fat tham gia kh\u1ea3o s\u00e1t!<\/span><\/p>

THAM GIA NGAY <\/span>T\u1ea0I \u0110\u00c2Y<\/span><\/b><\/a>!<\/span><\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

B\u1ea3o hi\u1ec3m h\u1ed9 gia \u0111\u00ecnh \u0111ang tr\u1edf th\u00e0nh m\u1ed9t l\u1ef1a ch\u1ecdn ph\u1ed5 bi\u1ebfn v\u00e0 quan tr\u1ecdng trong vi\u1ec7c b\u1ea3o v\u1ec7…<\/p>\n","protected":false},"author":2,"featured_media":3362,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_eb_attr":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-3357","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-parenting"],"_links":{"self":[{"href":"https:\/\/welovesupermom.com\/vn\/blog\/wp-json\/wp\/v2\/posts\/3357","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/welovesupermom.com\/vn\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/welovesupermom.com\/vn\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/welovesupermom.com\/vn\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/welovesupermom.com\/vn\/blog\/wp-json\/wp\/v2\/comments?post=3357"}],"version-history":[{"count":7,"href":"https:\/\/welovesupermom.com\/vn\/blog\/wp-json\/wp\/v2\/posts\/3357\/revisions"}],"predecessor-version":[{"id":3370,"href":"https:\/\/welovesupermom.com\/vn\/blog\/wp-json\/wp\/v2\/posts\/3357\/revisions\/3370"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/welovesupermom.com\/vn\/blog\/wp-json\/wp\/v2\/media\/3362"}],"wp:attachment":[{"href":"https:\/\/welovesupermom.com\/vn\/blog\/wp-json\/wp\/v2\/media?parent=3357"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/welovesupermom.com\/vn\/blog\/wp-json\/wp\/v2\/categories?post=3357"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/welovesupermom.com\/vn\/blog\/wp-json\/wp\/v2\/tags?post=3357"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}