1. Trn Tin H Qunh Nguyn Ngc an Th ng Th Ngoan Nguyn Th Kim Ngn
Bi Quyn Linh L Ngc Thy Tin Nguyn Th Gm Hnh Kh Nh
2. TNG QUAN V BO HIM HA HON
3. Thit hi V vic Thit hi Thit hi c bo him Ngun Sng thn Nht Bn
309 t usd, 15.790 ngi cht, 4056 ngi mt tch, 5933 ngoi b thng >3
GDP VN( 102 t nm 2010) 35 t USD Theo ngun tin chnh ph Nht Bn v WB
ng t Haiti chiu 12.1.2010 75 nghn ngi cht , 250 ngi b thng , 1 triu
ngoi v gia c v i kht , 60% GDP Rt t, khng ng k Hng tin AP Chy ch
Vinh 122 kiot, 10 t Khng mua BH Vnexpres.net
4. I. Khi nim II. Phm vi trch nhim III. Gi tr, s tin v ph BH
IV. Gim nh v bi thng V. Th tc yu cu BH
5. 1. Bo him l g? Bo him l nhng quan h kinh t gn lin vi qu trnh
hnh thnh, phn phi v s dng cc qy tp trung - qu bo him - nhm x l cc
ri ro, cc bin c. Bo him bo m cho qu trnh ti sn xut v i sng ca x hi
c din ra bnh thng. Bo him l bin php chia s ri ro ca mt ngi hay ca s
mt t ngi cho c cng ng nhng ngi c kh nng gp ri ro cng loi; bng cch
mi ngi trong cng ng gp mt s tin nht nh vo mt qu chung v t qu chung
b p thit hi cho thnh vin trong cng ng khng may b thit hi do ri ro
gy ra. Bo him l mt cch thc trong qun tr ri ro, thuc nhm bin php ti
tr ri ro, c s dng i ph vi nhng ri ro c tn tht, thng l tn tht v ti
chnh, nhn mng,... Bo him c xem nh l mt cch thc chuyn giao ri ro tim
nng mt cch cng bng t mt c th sang cng ng thng qua ph bo him.
6. 2. Khi nim BH chy: L Bh nhng thit hi do chy n, sm st,n gy ra
cho i tng bo him
7. 3. Hp ng BH chy n:
8. 4. Tn tht: Tn tht ton b: Ti sn BH b ph hu hon ton hoc h hng
nghim trng Tn tht ton b thc t: Tn tht ton b n mc khng th phuc hi nh
tnh trng ban u Tn tht ton b c tnh: Tn tht ton b m nu sa cha phc hi
thi phi b ra khng t hn s tin BH , ngi c BH c hnh ng t b i tng BH
.
9. 5. i tng: i tng BH ng sn Ti sn c nhn: c, vt nui Ti sn doanh
nghip: my mc, thit b, hng ha.. Bt ng sn Nh ca, cng trnh.
10. 1. Cc ri ro c BH: - Quy tc chung: Quyt nh s 142/TC-Q ngy
2/5/1991 ca B ti chnh. - i tng p dng: Tt c cng ty nc ngoi, c vn u t
nc ngoi, cc t chc quc t, c quan ngoi giao.
11. 2. Ngha v v bi thng cho ngi c BH ca cng ty BH:
12. Quyn ca bn mua bo him 1. La chn doanh nghip bo him c php
kinh doanh bo him chy, n bt buc mua bo him chy, n bt buc. 2. Yu cu
doanh nghip bo him gii thch, cung cp cc thng tin c lin quan n vic
giao kt, thc hin v chm dt Hp ng bo him chy, n bt buc. 3. Yu cu
doanh nghip bo him bi thng nhanh chng, y v chnh xc theo quy nh ca
Hp ng bo him. 4. Tho thun vi doanh nghip bo him v nhng ni dung ca
Hp ng bo him nhng khng tri vi cc quy nh ca php lut. 5. c hch ton
chi ph mua bo him chy, n bt buc vo gi thnh sn phm, dch v i vi c s
sn xut kinh doanh hoc c tnh vo kinh ph do ngn sch nh nc cp i vi n v
hnh chnh s nghip. 6. Khi kin dn s i vi doanh nghip bo him nu doanh
nghip bo him thc hin khng ng quy nh ti Hp ng bo him v php lut c lin
quan.
13. Quyn ca doanh nghip bo him 1. Thu ph bo him theo quy nh ti
Hp ng bo him v khng thp hn biu ph bo him chy, n bt buc quy nh ti Ph
lc 3 ban hnh km theo Thng t ny. 2. T chi bn bo him chy, n bt buc
khi bn mua bo him khng thc hin y cc iu kin v phng chy v cha chy quy
nh ti Khon 2 iu 13 Ngh nh s 130/2006/N-CP. 3. Yu cu bn mua bo him
xut trnh s sch k ton, chng t k ton kim tra cc s liu c thng bo. 4. T
chi gii quyt bi thng i vi nhng trng hp loi tr trch nhim bo him theo
quy nh ti iu 10 Ngh nh s 130/2006/N-CP v iu 16 Thng t ny.
14. 3.Cc danh mc ri ro: Ha Hon St Chy N
15. a. Chy: - N do nh hng ca chy - ng t hoc ni la ngm di t - Bn
thn ti sn b ph hyhoc h hng do s ln men hoc qu trnh x l bng
nhit
16. b.St: Thit hi trc tip do st gy ra
17. c. N: L hin tng chy cc nhanh v gii phng mt p lc ln km theo
mt ting ng mnh pht sinh t s gin n nhanh, mnh ca cht lng, cht rn hoc
kh
18. 1. Gi tr BH: Gi tr bo him: l gi tr ca ti sn c bo him.Gi tr
ny l gi tr thc t hoc gi tr mua mi *Nh: gi tr mi hoc gi tr cn li *My
mc thit b: gi tr cn li * Thnh phm v bn thnh phm: gi thnh sn xut
*Hng ha:Gi mua cng chi ph vn chuyn
19. * Cch x gi tr BH Nh ca My mc, thit b, TSC Thnh phm, bn thnh
phm Hng ha trong kho Gi tr mi: gi tr mi xy ca nh bao gm c chi ph
kho st, thit k Gi tr cn li: gi tr mi xy hao mn Gi tr cn li: gi tr
mi mua- khu hao Gi thnh sn xut hoc gi bn ( ci no thp hn th ly) Gi
thc t= Gi mua+ CP vn chuyn+ CP khc
20. 2. S tin BH: S TIN BO HIM l s tin c ghi trn Hp ng/Giy chng
nhn bo him v l mc trch nhim cao nht doanh nghip bo him bi thng cho
bn mua bo him khi c tn tht xy ra. Trong BH ti sn, s tin BH l mt phn
hay ton b gi tr bo him, ty thuc vo quan h hp ng BH; s tin BH l c s
xc nh mc bi thng thit hi. Trong mi trng hp, s tin BH l gii hn trch
nhim bi thng ti a ca nh bo him trong mt v hay trong mt nm tn
tht.
21. * Cch x s tin BH: - i tng BH m gi tr BH khng i th cn c vo
gi tr Bh nh ra s tin BH. - i tng BH m gi tr BH thay i th Bh theo gi
tr tb hoc gi tr ti a ( # Gi tr tb: l tb cng cc gi tr ca ti sn ti cc
thi im khc nhau trong thi hn BH # Gi tr ti a: l gi tr ln nht ca ti
sn ti mt thi im no trong thi hn BH)
22. 3. Ph BH: L khong tin m ngi c bo him phi np cho ngi bo him
c bi thng trong trng hp c tn tht do ri ro c bo him gy ra. Ph bo him
= S tin bo him x t l ph bo him (%)
23. a ra c mc t l ph bo him, cn xem xt cc yu t sau:Kt cu xy dng
ca ta nh tham gia bo him Ngnh ngh kinh doanh: H thng thit b phng
chy cha chy a im ca ti sn c bo him,
24. Cc loi t l ph bo him: T l ph BH p dng cho tt c cc ngnh T l
ph BH p dng cho cc ca hng, kho hng T l ph BH p dng cho cc kho hng c
bit T l ph BH p dng cho cc ngnh sn xut , dch v T l ph BH cho cc ri
ro ph:
25. 1. Gim inh tn tht: - Khi nhn c thng bo tn tht, ngoi BH v
ngi c BH n hin trng, xem xt, lp bin bn gim thit nh thit hi. - Nu
khng tha thun mc thit hi, s mi chuyn gia gim nh.
26. 2. Bi thng tn tht: H s bi thng: Giy thng botn tht Bin bn
gim nh ca ngi BH Bin bn gim nh tn tht ca Cnh st phng chy cha chy
Bng k thit hi v cc giy t chng minh thit hi
27. * Cch tnh bi thng: - Gi tr thit hi ti sn c BH x theo gi tr
ti thi im xy ra tn tht. - Nu s tin Bh >= gi tr thc t: Ngoi Bh s
bi thng tn tht thc t. -Nu gi tr BH< gi tr thc t: S tin bi thng=
gi tr thit hi x s tin BH : gi tr ti sn lc xy ra tn tht
28. 3. Thi hn thanh ton i bi thng: - 30 ngy k t ngy nhn c h s
hp l - Nu cng ty BH t chi bi thng, trong vng 60 ngy k t ngy gi giy
bo t chi, nu ngi c BH khng c kin th coi nh h chp nhn s t chi . -
Thi hn bi thng l 1 nm k t khi xy ra tn tht.
29. Cu 1: Lut PCCC c Quc hi kha X nc CHXHCN Vit Nam thng qua vo
ngy thng nm no ? A. Ngy 29/6/2001. B. Ngy 30/6/2001. C. Ngy
29/6/2002. D. Ngy 30/6/2002.
30. Cu 2: Lut PCCC gii thch i PCCC c s nh th no ? A. Gm nhng
ngi tham gia hot ng sn xut ti c s. B. L t chc gm nhng ngi tham gia
hot ng PCCC ti c s.D C. Gm nhng ngi tham gia ch o cng tc PCCC ti c
s. D. L t chc gm nhng ngi qun c, t trng sn xut, dn phng ti c quan,
x nghip.
31. Cu 3: Vic u tin v m bo quyn u tin cho ngi v phng tin tham
gia cha chy c quy nh ti iu my ca Lut PCCC: A. iu 36 B. iu 37 C. iu
38 D. iu 39
32. Cu 4: Trch nhim cha chy v tham gia cha chy c quy nh ti iu
my trong Lut PCCC: A. iu 31 B. iu 32 C. iu 33 D. iu 34
33. Cu 5: Theo quy nh ca Lut PCCC hng nm ngy no sau y l Ngy ton
dn phng chy v cha chy? A. Ngy 2/9 B. Ngy 19/8 C. Ngy 04/10D D. Ngy
05/10
