Gioi Thieu Nghiep Vu Bao Hiem

TM TT: BO HIM L G?
1. Bo him (BH) : S phn chia ri ro, chia nh tn tht 2. Ri ro : Nhng e da nguy him m con ngi khng lng trc c 3. Ngi BH l: a. Ngi kinh doanh ri ro b. Ngi cam kt bi thng khi c tn tht xy ra c. Ngi c giy php kinh doanh BH d. C 3 trng hp trn 4. Tin bo him ch c tc dng: m bo an ton v mt ti chnh cho ngi BH 5. T l ph BH : b. Ga c ca dch v BH 6. Gi tr BH hng ha XNK chuyn ch bng ng bin l loi hnh BH: Hng hi
Nguyen Van Son Biosys.co.,Ltd 1
Chuyn : Gii thiu nghip v Bo him Hng hi
TM TT: BO HIM L G?
7. Hot ng BH hng hi ti VN chu s iu chnh trc tip bi: -Lut hng hi Hnh thc bi thng ca BH hng hi l: - Tr tin bi thng 8. Khi mua BH m va vi mc 4/4 trch nhim m va ti hi BH P&I, ngi BH s c BH thn tu v hi P&I bi thng n: - 4/4 trch nhim m va 9. BH hng hi l hnh thc BH: - Nhng ri ro trn bin, ca bin, trn b hoc ni thy lin quan ti 1 hnh trnh hng hi 10. Tn tht chung c iu chnh bi quy tc: - York-Antwerp 11. Theo cc quy tc quc t v tn tht chung, tn tht chung bao gm: - Hy sinh tn tht chung v chi ph tn tht chung
Nguyen Van Son Biosys.co.,Ltd
11. iu khonk thn tu TLO BH: a. Chi ph cu nn b. Tn tht ton b c tnh c. Tn tht ton b thc t d. a, b v c u ng 12. Cc hi P&I BH nhng trng hp sau: a. m b. Chy c. Trch nhim m va d. C a, b v c 13. T b hng c thc hin bi....... c hng 100% s tin BH. - Ngi c BH 14. Ri ro "phng tin vn ti ng b b lt hoc trt bnh" c cp trong: - BH hng ha vn chuyn bng ng bin 15. Ri ro "hng ha BH b mt tch" c BH trong: - ICC 1982
Chuyn : Gii thiu nghip v Bo him Hng hi Nguyen Van Son Biosys.co.,Ltd
TM TT: BO HIM L G?
TM TT: BO HIM L G?
16. BH hng ha XNK l loi hnh BH: -Kinh t 17.Ri ro 2 tu m va nhau cng cng li: - Cc tu bi thng cho nhau theo mc li mnh vi phm 18. Trong BH, ngi c hng bi thng khi i tng BH b tn tht do ri ro c BH gy nn, l ngi: a. C li ch BH thc s b. L ngi tr ph BH c. L ngi k kt hp ng BH d. C a, b v c u ng 19. BH gm 3 loi ch yu no? - BH ti sn, BH trch nhim, BH con ngi 20. BH l cch thc con ngi: - i ph vi ri ro 21. Hn mc trch nhim ca ngi BH c th ly t: a. Lut nh b. Cng c vn ti c. Tha thun ca 2 bn d. C 3 ngun trn
Chuyn : Gii thiu nghip v Bo him Hng hi Nguyen Van Son Biosys.co.,Ltd 4
TM TT: BO HIM L G?
22. Mt l hng chuyn ch bng ng bin c BH vi s tin 10.000 USD. n cng ch, do khng c cu lm hng nn tu phi u ngoi bin. Trong thi gian ch i, tu b ha hon v b tn tht 100%. Vy ch hng s c bi thng bao nhiu? - 10.000 U 23. Ri ro "hng ha BH b mt tch" c BH trong: - ICC 1982 24. BH trch nhim dn s ca ch tu l: - BH trch nhim dn s ca ch tu khi kinh doanh, khai thc tu 25. iu khon thn tu TLO BH: a. Chi ph cu nn b. Tn tht ton b c tnh c. Tn tht ton b thc t d. a, b v c u ng
GII THIU NGHIP V BO HIM TRONG BO HIM HNG HI
Bo him tu (tu bin quc t, tu bin ni a, tu sng, tu c, bao gm: - Bo him thn tu - Bo him P&I Bo him hng: - Bo him hng vn chuyn ng bin/ng hng khng - Bo him hng vn chuyn ni a Bo him container Bo him trch nhim cho ngi khai thc dch v vn ti Bo him ri ro ng tu
CC BN THAM GIA QUAN H BO HIM TU

- Ngi bo him: l doanh nghip bo him c ng k kinh doanh BH v c Nh nc cp php hot ng tun theo lut kinh doanh bo him. -Ngi c bo him: l t chc c nhn c ti sn, trch nhim dn s, c BH theo hp ng BH. VD: ch tu, ngi thu tu, ngi khai thc tu -Bn mua BH: l t chc c nhn giao kt hp ng BH vi doanh nghip BH v ng ph BH. Bn mua BH c th ng thi l ngi c BH. Ngi th 3: l bn khng tham gia trong hp ng BH nhng c lin quan n tai nn (thng thng l bn gy ra tai nn hay cng c li gy ra tai nn) trong mt tnh hung c th.
TM TT C BN V BO HIM HNG HI
+Cc iu khon bo him thn tu: Quc t: -ITC 1/11/1995 (1983) Institute Time Clause-Hulls -TLO 1/10/1995 (1983) Total Loss Only. Vit Nam: C quy nh cc iu khon cho tu c vng hot ng ngoi lnh th vit Nam Tu hot ng trong lnh th VN s dng quy tc ring ca tng cng ty Bo him- Tuy nhin phi c B Ti chnh cho php-i vi Bo Vit l QTTT/BV-05 ban hnh ngy 31/1/2005. +iu khong bo him P&I (trch nhim dn s ch tu): -Quc t: Lut ca cc hi P&I quc t -Vit Nam: hu nh l ti bo him.
BO HIM P&I TU BIN

Phm vi bo him P&I (tip): Trch nhim i vi con ngi: trch nhim v cc chi ph cha bnh, au m, thng tt, tai nn, mai tng, hi hng, c ngi thay th v cc tr cp lin quan n s quan, thy th thuyn vin, khch i tu, cng nhn xp d, cng nhn cng lm vic vi tu v ngi th 3 khc.
BO HIM P&I TU BIN

Phm vi bo him P&I: Trch nhim i vi hng ha chuyn ch: hng b giao thiu s lng bao kin, b h hi do tu khng kh nng i bin, do k thut xp chn lt hng, hm hng thng gi km, hng b hp hi, m hi, my lnh hng, b mt cp, h hng do hng khc ly nhim r r .
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BO HIM P&I TU BIN

Phm vi bo him P&I: Trch nhim i vi hng ha chuyn ch: Tuy nhin ch tu c gii that trch nhim (do BH hng ha hay ch hng t chu) nu pht sinh do nhng nguyn nhn sau: Li ca thuyn vin trong vic iu khin & qun tr tu; do chy tr khi do li hoc vic lm ca chnh ch tu gy ra; ri ro nguy him, tai nn bt ng ngoi bin hoc vng nc khc m tu thuyn c th i li c; do thin tai, thi tit xu; do chin tranh,
BO HIM P&I TU BIN

Phm vi bo him P&I: Trch nhim i vi hng ha chuyn ch: Nhng loi tr BH lin quan n trch nhim ca ch tu i vi hng ha chuyn ch: Khiu ni lin quan n hng ha/hnh l qu him Pht hnh B/L miu t hng ha/tnh trng m thuyn trng bit khng ng thc t Giao hng thiu m B/L vn c k . Cp B/L/ti liu bng chng hp ng chuyn ch i c Chuyn : Gi thiu nhng khai bo sai, man tr
nghip v Bo him Hng hi Nguyen Van Son Biosys.co.,Ltd 12
BO HIM P&I TU BIN
Phm vi bo him P&I: Trch nhim i vi hng ha chuyn ch: Nhng loi tr BH lin quan n trch nhim ca ch tu i vi hng ha chuyn ch (tip theo): Giao hng cho ngi khng phi l ngi uc ngi gi hng ch nh D hng cng/1 ni khc vi hp ng chuyn ch Ch tu/ngi qun l tu c tnh vi phm hp ng chuyn ch
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BO HIM P&I TU BIN

Phm vi bo him P&I: Tin pht ca Ta n, chnh quyn cng, hi quan: vi phm lut l an ton giao thng, giao hng tha thiu hay khng tun theo cc lut l v khai bo hng, vi phm lut l/th tc nhp c, vi phm lut l hi quan, nhim do thot du/cc cht c hi khc. T chi khon pht do xp hng qu ti, nh c bt hp php
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BO HIM P&I TU BIN

Phm vi bo him P&I: Cc trch nhim khc: nhng ph tn m ch tu phi chu lin quan n iu tra v th tc t tng hnh s nhm bo v quyn li ca ch tu trong cc v tn tht tai nn lin quan n tu c BH hoc lin quan n vic bo cha truy t hnh s i vi thuyn vin
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BO HIM P&I TU BIN

Phm vi bo him P&I: Cc trch nhim khc (tip theo): nhng tn tht v chi ph m ch tu phi gnh chu khi h hnh ng theo ch th ca Hi Cc chi ph pht sinh do thay i tuyn ng nhm cha tr cho nhng ngi trn tu hoc a hnh khch lu, ngi t nn hay nn nhn cu c trn bin ln b
16
BO HIM P&I TU BIN

Phm vi bo him P&I: Cc trch nhim khc (tip theo): Tin lng v bi thng tht nghip khi tu m ( VN hin nay Hi loi tr)
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BO HIM P&I TU BIN
Bo him P&I Vit nam P&I cho tu bin chy tuyn quc t: VN vic BH P&I cho nhng tu ny u thng qua cc cng ty BH v hin a s tham gia hi WOE, sau Hi GARD, Hi London Steamship. P&I cho tu bin chy trong nc: theo Quy tc ca cc cng ty BH thit lp tuy nhin cc BH ny u c mc gii hn c th (khc vi BH ca Hi P&I khng gii hn tr nhim du v thuyn vin
BO HIM P&I TU BIN

Th tc khiu ni i bi thng bo him P&I v mt s thc tin: Th tc khiu ni: Xc nh trch nhim ca tu Chuyn h s cho ngi BH v kt hp cng ngi BH thng lng tranh chp vi ngi khiu ni v trch nhim ca ch tu i vi tn tht (Nu khiu ni nh trong nc ch tu c th tranh chp vi ngi khiu ni)
BO HIM P&I TU BIN
Th tc khiu ni i bi thng bo him P&I v mt s thc tin: H s khiu ni ngi BH: i vi ri ro v hng ha : i vi ri ro v nhim du i vi ri ro v thng tt,cht ngi ca ngi th ba i vi ri ro v thng tt, cht ngi ca thuyn vin Chuyn : Gii thiu
BO HIM P&I TU BIN
Th tc khiu ni i bi thng bo him P&I v mt s thc tin: H s khiu ni ngi BH: (tip theo) i vi ri ro v m va vi cu cng, vt ni c nh: i vi ri ro v m va tu vi tu Thc tin: Lu : bng chng, thi hiu khiu ni, ngi ng tn kin, gii hn TN theo kin/gii hn theo t Gi tr u Chuyn :n i thing ti, la chn ni xt x c li nht.
GII THIU BO MINH

C kh nhiu cng ty bo him cng hot ng ti Vit Nam: -Bo Minh -Bo Vit . -Bo him nc ngoi.
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I TNG BO HIM -BM
-Mi phng tin -i tng l thn tu: v tu, my tu v cc trang thit b hng hi -C th tham gia bo him thn tu theo chuyn hnh trnh hoc theo thi hn thut ng tu ch mi phng tin (tr tu thuyn dch v v nh bt hi sn)
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CC HIM HA C BO HIM
IU KIN BO HIM A I VI THN TU: BM s bi thng tn tht ton b hoc tn tht tng phn ca thn tu do nguyn nhn trc tip sau: -m va vi tu, my bay, phng tin vn chuyn trn b hoc di nc -Mc cn, va chm vo , vt th c nh hoc tri ni thuc b hay di nc (tr mn, thy li) -Chy n trn tu hoc ni khc -Do vt b phn tu hay ti sn vi mc ch cu ngi hoc tu trong trng hp nguy him cp thit. -Mt tch Chuyn : Gii thiu -ng m phun ho nghip v Bo hit hoc ni laNguyen Van Son c st l t.
Hng hi Biosys.co.,Ltd 24
CC HIM HA C BO HIM
-Bo t, sng thn, gi lc hay st nh -Tai nn khi xp d, di chuyn hng ha, nguyn, nhin vt liu lin quan tu c bo him hoc tu ang sa cha trn , neo u sa cha. -N ni hi, gy trc c hay h hng do khuyt tt ngm trong thn tu vi iu kin khuyt tt ngm qua gim nh m khng pht hin c. Trng hp ny BM s bi thng tn tht do hu qu n ni hi, gy trc c ch khng phi bn thn cc thit b tr khi vic n ni hi, gy trc c do nguyn nhn bi mt ri ro c bo him. -Do s sut ca TT, SQ, Hoa tiu, Thy th hoc ngi sa cha vi iu kin h khng phi ngi c bo him hoc c c phn trn tu. Chuyn : Gii thiu
CC HIM HA C BO HIM
bi thng theo Quy tc ny. -Tr gip, cu h vi iu kin chi ph ny khng i c t pha ngi c tr gip, cu h, t tng c BM ng trc. -Kim tra, gim nh h hi, tn tht thuc trch nhim bo him c BM ng trc. -ng gp chi ph tn tht chung -Kim tra y tu sau khi mc cn k c trng hp khng pht hin c tn tht. Chuyn : Gii thiu
nghip v Bo him Hng hi Nguyen Van Son Biosys.co.,Ltd
Nhng chi ph cn thit v hp l trong vic: -Hn ch tn tht c th dn ti khiu ni i
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CC HIM HA C BO HIM
IU KIN BO HIM B I VI THN TU: -m va vi tu, my bay, phng tin vn chuyn trn b hoc di nc -Mc cn, va chm vo , vt th c nh hoc tri ni thuc b hay di nc (tr mn, thy li) -Chy n trn tu hoc ni khc -Do vt b phn tu hay ti sn vi mc ch cu ngi hoc tu trong trng hp nguy him cp thit. -Mt tch -ng t hoc ni la phun hoc st l t. --Bo t, sng thn, gi lc hay st nh Chuyn : Gii thiu
CC HIM HA C BO HIM
-Tai nn khi xp d, di chuyn hng ha, nguyn, nhin vt liu lin quan tu c bo him hoc tu ang sa cha trn , neo u sa cha. -Do s sut ca TT, SQ, Hoa tiu, Thy th hoc ngi sa cha vi iu kin h khng phi ngi c bo him hoc c c phn trn tu. -Nhng chi ph cn thit v hp l m ch tu phi gnh chu trong vic hn ch tn tht c th dn n cc khiu ni i bi thng theo quy tc ny.
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RI RO NHIM
Tu bo him theo mc A & B (cc him ha c bo him) s c BH c trong trng hp tn tht ca tu gy ra t c quan c thm quyn nhm phng nga v hn ch nhim vi iu kin: -Tn hi tu thuc trch nhim ca BM cn c iu kin A hay B (cc him ha c bo him) trn y. -Hnh ng ca c quan c thm quyn nhm phng nga hoc hn ch nhim khng phi do vic thiu mn cn hp l ca ngi c bo him, ch tu, qun l tu trong vic Chuyn : Gii thiu a hoc hn ch nguy c nhim phngo him ng Nguyen Van Son nghip v B
M RNG PHM VI BO HIM
BM s m rng phm vi bo him: -Lai dt hoc tr gip tu khc khi gp nn hoc lai dt theo tp qun Nhng h hng mt mt hoc tn tht vt cht trong trng hp ny ch thuc trch nhim bo him chi ph sa cha nhng h hng, b p tn tht vt cht m ngi c bo him khng thu hi do phc ngi c tr gip khng c kh nng thanh ton. -Tu c bo him m va vi tu m ton b hoc mt phn tu ny cng ch s hu hoc cng qun l hoc c nhng tu nh vy cu h. Tu ny c quyn bo him ging nh tu n khng c lin quan g ti ch tu. Tuy nhin ph Chuyn : Gii thiui c ng ca ngi c bo him hoc Nguyen Van Son nghip v Bo him theoiquyt nh ca ta n.Biosys.co.,Ltd Hng h
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M RNG PHM VI BO HIM
Vi iu kin ngi c bo him phi khai bo v c s chp nhn trc ca BM ng thi np thm ph bo him nu c yu cu, BM s m rng: -trng hp c s thay i v phm vi hot ng, lai dt khng theo tp qun, thay i v ngy khi hnh (trng hp bo him chuyn) -trng hp xp d hng ha hoc nguyn nhin vt liu ngoi bin sang tu khc, hoc t tu khc sang tu c bo him ngay c khi ti gn cp mn.
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LOI TR BO HIM
-Tu khng kh nng hot ng, khng c giy php hot ng hoc hot ng ngoi phm vi quy nh, giy ng kim b nh ch, ht hn khi n k hn kim tra tu. -Ngi c bo him hoc ngi tha hnh nh: i l, i din, thuyn trng, s quan, thuyn vin c hnh ng c . -Vi phm lnh cm do nh chc trch ban hnh, vi phm nghim trng lut giao thng hoc hot ng kinh doanh tri php. -Thuyn trng, my trng khng c bng ng quy nh hoc tai nn xy ra do thuyn trng, my trng, thuyn vin s dng ru, bia ma ty, ch gy nghin khc. Chuynt : Gii thiu
LOI TR BO HIM (tip)

BM khng chu trch nhim bi thng nu tn tht xy ra do nhng l do sau y: -Do c k hay do hao mn t nhin ca v, my mc hoc trang thit b ca tu -Tu b cn do thy triu hoc con nc ln xung -Tu u bn khng c neo ct chn chn hoc thuyn vin trc hoc bo qun b tu i vng.
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LOI TR BO HIM (tip)

BM khng chu trch nhim bi hon cc chi ph c lin quan sau y d cc chi ph o do cc ri ro bo him gy ra: -Chi ph lin quan ti chm tr hnh trnh ca tu c bo him bao gm c tu, hng ha b gim gi tr hoc thit hi sn xut kinh doanh ca tu c bo him.
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LOI TR BO HIM (tip)

BM khng chu trch nhim cc chi ph lin quan: -Co h, sn ln, hoc y tu (khng bao gm chi ph lm sch b mt v sn phn tn thay th thuc trch nhim bo him). -Kim tra phn cp loi tu theo nh k -Lng hoc ph cp lng v tr cp khc cho thuyn b, tr trng hp tn tht chung. -Cng tc ph, cc chi ph c lin quan ca ngi c bo him pht sinh thu thp h s khiu ni hay gii quyt s c. -Tin cc vn chuyn hoc tin cho thu tu.
LOI TR BO HIM (tip)

T chi trch nhim bo him do cc l do: -Chin tranh hoc ri ro tng t chin tranh -B cp, b bt gi tu ti bt c ni no v bt c l do g -Tu c trng dng hoc c s dng vo mc ch qun s. -Hnh ng ph hoi hoc khng b c tnh cht chnh tr -Bt c v n ca bt c v kh hoc cht n no -Ri ro ht nhn nguyn t
BM khc t trch nhim vi cc tn tht, h hng mt mt tin mt, kim loi qu, qu hoc bt c vt dng no khng cn thit i vi mt chuyn i thng thng ca con tu tr khi c tha thun khc.
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YU CU BO HIM
Ngi c bo him gi cho BM giy yu cu (theo mu) trc thi im ch tu mun hp ng bo him bt u c hiu lc t nht l 24 h. Vi nhng tu tham gia bo him ln u phi km: -Giy chng nhn ng k phng tin -Giy chng nhn kh nng i bin, sng, giy chng nhn cp tu v cc giy chng nhn khc ca ng kim. Bin bn khi giao nhn tu (nu c) hoc bin bn kim tra tng phn ca ng kim, s ng kim. -Bo co tnh hnh tn tht ca tu trc khi yu cu bo him v n bo him c (nu c) Chuyn : Gii thiu Nguyen t Son nghiv lium ng minh gi trVan u (nu c) -Tp i Bo hi ch Biosys.co.,Ltd Hng hi
Hng hi Biosys.co.,Ltd
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CHP NHN BO HIM

-Nu thy cn thit, BM c quyn yu cu c kim tra tu trc khi chp nhn bo him. -Hp ng bo him coi nh c k kt khi BM cp giy chng nhn bo him. Giy yu cu bo him, chng t thanh ton ph bo him, giy chng nhn bo him l cc b phn cu thnh ca H bo him. -Nu sau khi H bo him c k, tu c thay i tng thm mc ri ro v/hoc trch nhim ca BM, ngi c bo him phi thng bo ngay cho BM bit. BM s cp giy sa i b sung v nhng thay i v c th thu thm ph bo him nu xt thy c Gi thiu Chuyn :n i thit.
CHP NHN BO HIM (tip)
-Trong thi hn hiu lc ca Giy chng nhn bo him, BM c quyn kim tra tnh trng chung ca tu. Nu xt thy tu khng m bo kh nng i bin, sng th BM s thng bo chm dt hiu lc bo him hoc gii hn phm vi bo him cho n khi tu c sa cha li ph hp vi tiu chun quy nh ca ang kim. -Nu Ngi c bo him khai bo sai hoc khng thng bo y nhng thay i ca tu theo quy nh, BM s khng chu trch nhim bi thng nhng tn tht do khai bo sai tri hoc khng thng bo y nhng thay i ca tu gy ra.
THI HN BO HIM
BO HIM THEO THI HN -Thi hn theo dng lch di nht khng qu 12 thng v ngn nht khng di 3 thng. -Hiu lc bo him bt u v kt thc theo thi gian ghi trn giy chng nhn bo him, vi iu kin Ngi c bo him np ph v ng hn. BO HIM THEO CHUYN -Thi hn: tnh t lc tu tho g dy chng, ct hoc nh neo bt u chuyn i v chm dt hiu lc ngay sau khi neo u ni n ghi trong giy chng nhn bo him hoc giy sa i b sung -Thi gian tnh cho mt chuyn i thng thng l thi gian hp l bao gm bc xp hai u bn v thi gian di chuyn cn thit Chuyn ng: Giy qua cng khc quy nh trong giy chng nhn BN t c n i thiu Nguyen Van Son nghip v Bo him nhng khng qu 30 ngy. Biosys.co.,Ltd Hng hi
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THI HN BO HIM (tip)

GIA HN BO HIM: -Khi giy chng nhn bo him ht hn m tu vn ngoi khi hay ang gh vo ni no lnh nn th tu vn c th c bo him cho ti khi v neo u an ton ti cng, vi iu kin l Ngi c bo him kp thi thng bo (vn bn) cho BM xin gia hn hp ng v np thm ph bo him. Vic gia hn hp ng khng p dng i vi trng hp Ngi c bo him thng bo cho BM sau khi giy chng nhn bo him ht hn v tu b tn tht.
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THI HN BO HIM (tip)

HIU LC CA GIY CHNG NHN BO HIM Trong mi trng hp d Ngi c bo him c GCN do BM cp nhng hiu lc GCN bo him t ng chm dt khi pht sinh nhng trng hp sau: -Ngi c bo him khng np ph ng hn tr khi c tha thun khc bng vn bn. -Tu b nh ch hot ng hoc giy php hot ng ca tu b thu hi hay ht hn. -Tu c chuyn ch, tr khi c tha thun khc gia BM v ch tu mi -GCN kh nng i bin v cp tu b mt hiu lc hay ht hn -Thay i c quan ng kim m tu khng thng bo cho BM bit bng vn bn.
GI TR BO HIM V GII HN TRCH NHIM
-Gi tr bo him thn tu ghi trong GCN bo him hoc giy sa i b sung (nu c) l gii hn trch nhim cao nht m BM nhn bi thng i vi mi v tn tht. -Gi tr bo him thn tu cn c vo gi tr thc t ca v, my mc v cc trang thit b ca tu trn th trng trong nc hoc quc t ti thi gian tham gia bo him do Ngi c bo him khai bo hoc tha thun gia Ngi c bo him v BM -Trng hp Ngi c bo him tham gia vi s tin bo him thp hn gi tr thc t con tu, BM s nhn bo him theo mt trong hai hnh thc +BH iu kin A theo hnh thc di gi tr +BH iu kin B. Chuyn : Gii thiu
NGHA V & QUYN HN CA NGI C BO HIM
Ngi c bo him c ngha v bo qun tt tu c bo him, thc hin vic kim tra v sa cha ng quy nh. Thng bo tn tht v bo lu quyn khiu ni. Khi xy ra tai nn, Ngi c bo him phi thc hin y nhng quy nh sau: -trnh bo ngay cho chnh quyn cng hoc chnh quyn a phng ni gn nht lp bin bn theo quy nh, tm mi cch thng bo ngay cho i din ca BM. Chm nht l 5 ngy k t ngy xy ra tai nn hoc 3 ngy k t khi tu n bn cng u tin (ty theo trng hp no n trc) phi thng bo cho BM ti ni gn nht bng vn bn. -Kp thi p dng mi bin php cn thit nhm cu gip, bo v ngi, phng tin v ti sn ngn nga, hn ch tn th Gi Giu Chuyn :t. i thip gim nh vin ca BM lm tt nhim v Nguyen Van Son nghip v o him gii quyt nhanh chng hu qu ca tai nn. gi m B nh v Biosys.co.,Ltd Hng hi
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NGHA V & QUYN HN CA NGI C BO HIM (tip)
Trng hp tu c bo him b h hng, tn tht do ngi khc gy ra th Ngi c bo him phi bo ngay cho BM ni gn nht bng vn bn trong vng 48 h k t khi tu b tai nn v n bn v phi thc hin y th tc cn thit bo lu quyn khiu ni cho BM. BM c quyn t chi mt phn hoc ton b yu cu bi thng tn tht nu Ngi c bo him khng thc hin y nhng quy nh trn. Vic BM tham gia cng Ngi c bo him thc hin cc quy nh trn trong mi trng hp u khng c coi l chp nhn hay t chi bi hon, v khng phng hi n quyn li ca mi bn. Chuyn : Gii thiu
GIM NH NH TN THT
Khi nhn c thng bo ca Ngi c bo him hoc ngi i din ca h, BM hoc n v gim nh do BM ch nh s tin hnh gim nh cng s c mt ca thuyn trng, nhng nhn chng lin quan v i din ch tu xc nh nguyn nhn, mc h hng v tn tht. Ph gim nh do ngi yu cu gim nh tr trc tip cho ngi gim nh v c bi hon khi gii quyt bi thng tn tht thuc trch nhim bo him. Trong trng hp khng c bin bn gim nh ca BM hoc n v gim nh do BM ch nh, BM c quyn t chi gii quyt bi thng ton b hoc mt phn, tr khi c tha thun khc bng vn Chuyn : Gii thiu bn. Nguyen Van Son nghip v Bo him
THNG BO V GI C V NI SA CHA TU
Ngi c bo him thng bo cho BM bit trc mi d kin v gi c v ni s a tu n sa cha h hng thuc trch nhim bo him. BM s c quyn t chi gii quyt tham gia kin v quyt nh v ni sa cha, gi c v gim st vic sa cha. Nu ngi c bo him khng thc hin hoc vi phm quy nh ca iu ny th BM c quyn ch ti s tin bi thng.
47
H S KHIU NI BI THNG
Khi yu cu BM bi thng, Ngi c bo him phi cung cp cho BM nhng ti liu sau: -Th khiu ni bi thng -Giy chng nhn bo him -Bin bn gim nh ca BM hoc c quan BM y quyn -Giy chng nhn mt tu v giy xc nhn xa tn trong danh b ca c quan c thm quyn nu tu mt tch. -Bin bn tai nn do cng an, cng v hoc chnh quyn a phng lp (trng hp tai nn lin quan n ngi th ba)
H S KHIU NI BI THNG (tip)
-Ha n chng t lin quan ti chi ph i bi thng -Khng ngh hng hi, bo co tai nn hoc tn tht c xc nhn ca c quan cng v hoc chnh quyn ni xy ra tai nn, hoc bn n u tin (nu tai nn xy ra khi tu ang trn hnh trnh) -Th khiu ni v ton b ti liu, chng t lin quan n quyn li v ngha v ca ngi th 3 (nu c) -Nhng chng t lin quan khc (trch sao nht k hng hi, nht k my, nht k thi tit, cc giy t ng kim hay giy t khc ca tu ty theo tng v vic c th).
Chuyn : Gii thiu vng 7 ngy m khng c yu cu g thm thVan s khiu ni c coi l y v h Son Nguyen nghip v Bo him hp hi Biosys.co.,Ltd Hng l).
(Sau khi BM nhn y h s khiu ni ni trn ca Ngi c bo him, nu trong

49
BI THNG TRN V DI GI TR THC T THN TU
Nu gi tr tu tham gia bo him vt qu gi tr thc t, BM s bi thng ton b theo gi tr thc t ca tu m khng hon li ph phn gi tr vt qu Nu gi tr tu tham gia bo him thp hn gi tr thc t: -BM s bi thng tn tht ton b theo s tin bo him ca tu. -Trong trng hp tn tht b phn gm cc chi ph cn thit hn ch tn tht th BM s bi thng theo t l gia gi tr bo him vi gi tr thc t ca tu vi lu ch p dng trong trng hp tu bo him theo iu kin A.
TN THT TON B CON TU
Tn tht ton b con tu ni trong Quy tc ny bao gm c tn tht thc t v c tnh: -Tu bi hy hoi hon ton khng th phc hi c, cng nh tu b mt tch nu nh qu thi hn 03 thng khng nhn c tin tc g v tu u coi l tn tht ton b thc t. -Tu b h hng m xt thy khng th trnh khi tn tht ton b, hoc chi ph sa cha phc hi vt qu gi tr bo him th c xc nh l tn tht ton b c tnh. Trng hp ny Ngi c bo him phi lm giy t b tu cho BM. Trong trng hp bo him theo iu kin A, nu vic t b c chp nhn, BM ch gii quyt bi thng phn tn tht b phn thuc trch nhim bo him. -Khi bi thng tn tht ton b thn tu, BM c quyn s hu, thu hi v x l xc tu tr trng hp BM t chi quyn .
TN THT B PHN THN TU
-Trong trng hp, tr khi c tha thun khc bng vn bn, BM ch thanh ton bi thng cho tng gi tr ring bit ca b phn sa cha hoc thay th. Sau khi bi thng b phn thay th, BM c quyn s hu, thu hi b phn . -Trong mi trng hp, nu tu b tn tht b phn cha c sa cha m tip li xy ra tn tht ton b trong thi gian hp ng bo him vn cn hiu lc th BM ch gii quyt bi thng tn tht ton b.
52
MC KHU TR
Khi thanh ton bi thng, BM s khu tr s tin quy nh i vi mi mt v tn tht c chp nhn bi thng. Mc khu tr ca tng tu c ghi trn giy chng nhn bo him ca tu . Quy nh ny s khng p dng i vi tn tht ton b. BM khng c trch nhim gii quyt bi thng i vi nhng v tn tht di mc khu tr qui nh ghi trn giy chng nhn bo him Trng hp xy ra tn tht m nguyn nhn gy ra c qui mt phn hoc ton b do s sut ca thuyn trng, s quan, thy th th ngoi mc khu tr ghi trn giy chng nhn bo him, BM s khu tr thm 10% s tin c chp nhn bo him. Quy nh ny khng p dng cho tn Chuyn : Gii thiu nghip v Bnhi tr khi c thNguyen n Sonc. th t to o bm a thu Van kh
53
THI HN THANH TON BI THNG
i vi khiu ni thuc trch nhim bo him, BM gii quyt bi thng trong vng 15 ngy k t khi nhn h s khiu ni ca Ngi c bo him Trng hp BM c vn bn t chi mt phn hay ton b s tin khiu ni th trong vng 30 ngy k t khi Ngi c bo him nhn c thng bo t chi cn c theo du bu in hay xc nhn ca BM m khng c kin g th coi nh chp nhn. Nu Ngi c bo him ch mi chp nhn mt phn ca ton b s tin khiu ni th BM s bi thng phn v s tin cn li s c tip tc xem xt gii quyt khi Ngi c bo him c vn bn chng t chng minh hoc tha thun thm vi BM v tin bi thng Chuyn : Gii thiu
CHUYN QUYN I BI THNG
Trng hp tu b tn tht c lin quan n trch nhim ca ngi th 3, Ngi c bo him phi ch th cho thuyn trng thc hin y nhng nguyn tc, th tc v quy nh ca php lut bo lu quyn khiu ni ngi th 3 cho BM Nhng tn tht thuc trch nhim bo him do ngi th 3 gy ra th Ngi c bo him phi chuyn quyn i bi thng cho BM, cung cp giy t cn thit c lin quan v h tr BM tranh chp vi ngi th 3 Nu Ngi bo him khng thc hin y trch nhim trong vic bo lu quyn khiu ni cho BM th BM s t chi ton b hoc ch bi thng mt phn ca s tin khiu ni. Chuyn : Gii thiu
THI HN KHIU NI
Thi hn Ngi c bo him c quyn khiu ni BM bi thng tn tht c quy nh 1 nm k t ngy xy ra tai nn Thi hn khiu ni tn tht chung c quy nh l 2 nm k t ngy xy ra tai nn Qu thi hn quy nh trong iu ny, mi khiu ni s khng c BM gii quyt tr khi c tha thun khc gia hai bn.
56
X L TRANH CHP
Mi tranh chp c lin quan n hp ng bo him gia Ngi c bo him v BM nu khng gii quyt c bng thng lng th s a ra ta n ni BM hoc i din Ngi c bo him t tr s kinh doanh xt x.
57
BAO HIEM THAN TAU Case 1

Luc 12h00 ngay 21/12/2004 tau TAI CHNH ang hanh trnh tai v tr 2 nh 3847N; 1011750E khu vc eo 38 17 Mallacca may trng nghe co tieng ng ng keu la bat thng quyet nh dng ng ng may. Kiem tra thay ma khuyu so 8 b nt gay. Thuyen trng lenh cho neo ng nh tau va bao cao h hong cho chu tau. ng Chuyn : Gii thiu Tau ve Vun nghip v Bo himc keo Nguyen Van Son g tau sa chua.

Qua giam nh xac nh nguyen nhan: be chnh b bien dang do uon nen truc khuyu b ng uon gay ra ng suat moi tren ma khuyu dan ng en gay truc c. Cac chi ph trong vu s co nay nh sau: Chi ph keo tau t Malaysia ve Vung tau 42,400.00USD Cac chi ph lien lac, van chuyen, ai ly ph, cc Cang vu, ph kiem dch cua tau keo ng Chuyn : Gii thiu nghip v3.285.895,00VND Bo him Nguyen Van Son

Hay tnh so tien boi thng cho tau ng Tai chnh biet rang ng ph giam nh la 9.000.000VND Mc khau tr theo n BH: 15.000.000VND Ty gia 15.876,00VND/USD Chu tau gi hoa n tai chnh nen gia s/c c cung cap di ay khong bao Chuyn : Gim thue VAT go ithi u nghip v Bo hi m Nguyen Van Son

STT Hang muc sa cha ng Sl n gia
Thanh tien 1000
1 2 3 4 5 6 7
Truc c may chnh Cap mi be may Cap mi be choai Thay nht may Dau chay th may Thue cau ben sa cha
1 1 1
350tr 210tr 24tr
350.000 210.000 24.000 24.000 10.000 36.600 2.196 15.000

61
1200 20ng/lit 2000 5ng/lit 61 600ng
Cap ien nc cho 61 ngay 8 Chuyn Le Gii thiu ang kiem s/c : ph
nghip v Bo him Hng hi

STT Hang muc sa cha ng Sl n gia
Cap mi vat t khac
Thanh tien 1000 1.200 28.325 20.928 15.500 31.425 7.504 21.500 906.178
10 Can chnh he truc va may 11 Vat t phuc vu s/c 12 Thao va kiem tra 13 Van chuyen, lap at, ve sinh 14 Ve sinh, o ac
ng 15 Lap at he thong lien quan Tong cong ng ng
62
BAO HIEM THAN TAU Case 1 ap an

Tong chi ph s/c, vat t: 906.178.000VND ng Chi ph keo & lien quan: 676.428.000VND Tong thiet hai: 1.582.606.000VND (a) ng Ph giam nh: 9.000.000VND (b) Mc khau tr: 15.000.000VND (c) So tien BT (a+b-c) 1.576.606.000VND
63

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TM TT: BO HIM L G?

Chuyn : Gii thiu nghip v Bo him Hng hi

Chuyn : Gii thiu nghip v Bo him Hng hi

Nguyen Van Son Biosys.co.,Ltd

Chuyn : Gii thiu nghip v Bo him Hng hi

Nguyen Van Son Biosys.co.,Ltd

GII THIU NGHIP V BO HIM TRONG BO HIM HNG HI

CC BN THAM GIA QUAN H BO HIM TU

Chuyn : Gii thiu nghip v Bo him Hng hi

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BO HIM P&I TU BIN

Chuyn : Gii thiu nghip v Bo him Hng hi

BO HIM P&I TU BIN

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BO HIM P&I TU BIN

Chuyn : Gii thiu nghip v Bo him Hng hi

BO HIM P&I TU BIN

BO HIM P&I TU BIN

Chuyn : Gii thiu nghip v Bo him Hng hi

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BO HIM P&I TU BIN

Chuyn : Gii thiu nghip v Bo him Hng hi

Nguyen Van Son Biosys.co.,Ltd

BO HIM P&I TU BIN

Chuyn : Gii thiu nghip v Bo him Hng hi

Nguyen Van Son Biosys.co.,Ltd

BO HIM P&I TU BIN

Chuyn : Gii thiu nghip v Bo him Hng hi

Nguyen Van Son Biosys.co.,Ltd

BO HIM P&I TU BIN

Chuyn : Gii thiu nghip v Bo him Hng hi

Nguyen Van Son Biosys.co.,Ltd

BO HIM P&I TU BIN

Chuyn : Gii thiu nghip v Bo him Hng hi

BO HIM P&I TU BIN

Chuyn : Gii thiu nghip v Bo him Hng hi

BO HIM P&I TU BIN

BO HIM P&I TU BIN

GII THIU BO MINH

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I TNG BO HIM -BM

Chuyn : Gii thiu nghip v Bo him Hng hi

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Nhng chi ph cn thit v hp l trong vic: -Hn ch tn tht c th dn ti khiu ni i

Chuyn : Gii thiu nghip v Bo him Hng hi

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M RNG PHM VI BO HIM

M RNG PHM VI BO HIM

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LOI TR BO HIM (tip)

Chuyn : Gii thiu nghip v Bo him Hng hi

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LOI TR BO HIM (tip)

Chuyn : Gii thiu nghip v Bo him Hng hi

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LOI TR BO HIM (tip)

LOI TR BO HIM (tip)

CHP NHN BO HIM

CHP NHN BO HIM (tip)

THI HN BO HIM (tip)

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THI HN BO HIM (tip)