4/- 2020/ĐK Bảo Hiểm Liên... · Dieu 9: Quyenlqi bao him Banh him ngheo d6i vOitre em 10 Dieu 10:Quyen 19,i bao hiem Bien chirng dai thao du,6,ng 10 Dieu 11:Quyen 19,i bao

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C VA DIEU KHOAN

N PHAM

BAO HIEM 1I TCHU.NG 20 — Kt HOACH BENH HIEM NGHEO

IfFt 4/- SONG KNOB Mel NGAY) p & ea,

(Ban hanh kern theo con-rilviisemAintlipinugay A CM 12_09 0 cua BO Tai chtnh)

MVC LVC

CHU'aNGI— CAC DIEU KHOAN CHUNG 3

Dieu 1: Dinh nghia 3

Dieu 2: Hqp dOng bao him 7

Dieu 3: Thu tyc tham gia bao him 7

Dieu 4: Bao him tam th61 8

Dieu 5: Thol ham xem x6t Ii 8

Dieu 6: Thoi han hqp dOng bao him va Thei han d6ng phi ciia Hqp ang bao hiem 9

CHU'O'NG II— QUYEN L9'1 BAO HIEM 9

Dieu 7: Quyen 19,i bao him tiv vong 9

Ly,a ch9n co, ban 9

Ly,a ch9n nang cao 9

Dieu 8: Quyen 19,i• bao hiem Thwang tat toan ba va vinh vier' .9

Ly,a ch9n co, ban 9

Lip ch9n nang cao 10

Dieu 9: Quyenlqi bao him Banh him ngheo d6i vOitre em 10

Dieu 10:Quyen 19,i bao hiem Bien chirng dai thao du,6,ng 10

Dieu 11:Quyen 19,i bao him Banh him ngheo giai don son 10

Dieu 12:Quyen 19,i bao hiem Banh hiem ngheo giai doan muan 11

Dieu 13:Quyen 191 bao hiem h6 trcy nem vin do Banh hiem ngheo doi vol tre em, Bien chi:mg dai thao dirlyng, Banh him ngheo giai don aim, Banh him ngheo giai doan muan 11

Dieu 14:Quyen lqi bao him mien d6ng phi bao him do Banh him ngheo giai don muan 12 Dieu 15:Mat sci lini 9 khi chi tra quyen 191 bao him 12

Dieu 16:Chuyen d6i quyen 19,i bao va 12

Dieu 17:Quyen lqi thu,o,ng duy tri hqp dOng 12

Dieu 18:Quyen 19,i dao han 13

Dieu 19:Quyen 19,i dam bao duy tri hiau ly,c Hqp thing bao him 13

Dieu 20:Quyen 191 bao hiem d6i voi tre em 13

Dieu 21:Quyen 19,1 hu,O,ng lai tip ket qua du tu, ciia Qui, lien ket chung 13

Dieu 22:Cac dieu khoan loai tar trach nhiam bao him 14

CHU'O'NG III — QUYEN VA NGHIA VI) COA BEN MUA BAO HIEM 17

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Dieu 23:Quyen dia Ben mua bao him 17

Dieu 24:Nghla vy dm Ben mua bao him 20 CHU'aNG IV— NGHTAVU CUNG CAP VA BAO MT THONG TIN CUA HANWHA LIFE VIETNAM 21

Dieu 25:Nghla vy cung cAp thong tin dm Hanwha Life \fret Nam 21

Dieu 26:Nghia vy bao mat th6ng tin cue Hanwha Life Viat Nam 22

CHU'O'NG V - PHI BAO HIEM VA CAC CHI PHI LIEN QUAN DEN Hal' DONG BAO HIEM 22 Dieu 27:Phi bao him 22

Dieu 28:Dong them phi bao him 23

Dieu 29:Phuong thirc Olen b6 Phi bao him 23

Dieu 30:Gia hen &mg Phi bao him 23

Dieu 31:SO, dyng Gia tri tai khoin don them a dong Phi bao him co, ban 23

Dieu 32:Cac chi phi lien quan den Hp,p (ling bao him 24

CHU'O'NG VI- QU7 LIEN KET CHUNG VA GIA TRI TAI KHOAN HQ? DONG 25

Dieu 33:Th6ng tin ye hot d6ng cüa Quji lien ket chung 25

Dieu 34:Gia tri tài khoin twp dOng va phu,ang phap xfic dinh Lai suat c6ng b6 26

CHU'O'NG VII - GIAI QUYET QUYEN LQI BAO Hitm 27

Dieu 35:Ngtthi nhan quyen 19,i bao him .28

Dieu 36:Thu tyc giai quyet quyen 19,i bao hiem 28

Dieu 37:Thol hen và phuvng thirc chi tra quyen 191 bao him 30

CHU'O'NG VIII - CAC DIEU KHOAN KHAC 30

Dieu 38:Ke khai nham tuiSi va gio,i tinh cue Ngt.1,61 duvc bao hiem 30

Dieu 39:Dieu khoan mien truy xet 31

Dieu 40:Cham did hieu H9,13 dang bao him 31

Dieu 41:Giai quyet tranh chap 31

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Hanwha Lire

CHU'O'NG I — CAC DIEU KHOAN CHUNG

Dieu 1: Dinh nghia

1.1 Hanwha Life Viet Nam: la COng ty TNHH Bao him Hanwha Life Vidt Nam, Giay phep thanh lap va hoat ddng so 51GP/KDBH a ngay 12/06/2008, dieu chinh Ian thiv 7 theo Giay phop dieu chinh so 51/GPDC07/KDBH a ngay 26/09/2018 cap

Bd Tai Chinh.

1.2 Ben mua bao him: IA Ca nhan hoc t6 cht:rc kê khai va ky ten ten Giay yeu cu bao him, thyt hidn cac quyen va nghia vy quy dinh trong Hgp dOng bao hiern Hanwha Life Vidt Nam va dOng Phi bao hien'. Ben mua bac) him co the &rig thol la Ngutyi duvc bao him.

Neu Ben mua bao him IA Ca nhan thi ca nhan d6 phai tix dü mutyi tam (18) tuOi trer len, co n5ng Ivo hanh vi dan sy, va hidn dang Cu' trCi tai Vidt Nam.

Neu Ben mua bao him là t6 chirc thi t6 chin do phai duvc thanh lap va dang hot Ong hcyp phap tai Vidt Nam.

1.3 No&Yi divot bao hiem: la ngutvi ma sirc khoe va tinh mang duvc Hanwha Life Vidt Nam clang 9 bao him theo cac quy dinh trong Quy tac va Dieu khoan nay. Ngut:ei duvc bao him c6 the thing thol la Ben mua bao him.

Ngu,61 &rot bao him phai:

la ca nhan hidn dang cu, tru tai Vidt Nam; va

nArn trong d tuOi tiv ba mai (30) ngay tuOi den sau mutii (60) tu6i vao Ngay hop ding bao hiem bat du có hidu ly,c.

1.4 thu hutYnq: la ca nhan hoc t6 chirc duvc Ben mua bao him chi dinh sty Tong Ngutei duvc bac) him hoc di din hgp phap cua Ngutei duvc bac) hiem d nhan toan bd hoc mdt phan quyen Igi bao hiem theo Hop dOng bao him. Ngutei thy hutvng duvc ghi ten trong Giay yeu cu bao him, Gray chivng nhan bao hiem va cac th6a thuan siva dOi 1)6 sung khac (neu co) ciia Hop dOng bao him.

1.5 TuOi bao hiem: IA tu6i vao sinh nhat viva qua cua Ngutvi duvc bac) him. TuOi bao him duvc dung lam co' so' tinh phi bao hiem, chi tra quyen KA bac, hiern va de ap dyng Quy tac va Dieu khan nay va cac Quy t5c va Dieu khoan co lien quan khac ciia Hop dOng bac) hiem. Tat ca cac tix "tuOi" sCr dung trong Hop Ong bao hiem deu duvc hieu IA "TuOi bao hiem".

1.6 Giav chirng nhan bao hiem: IA van ban xac nhan bac) hiern do Hanwha Life Vidt Nam phat hanh, lit ke cac chi Wet chinh cOa Hgp dOng bac> hiem va la bang chi:mg cüa vidc giao ket Hop Tong bao hiem giCra Hanwha Life Vidt Nam va Ben mua bac) hiem.

1.7 HO so' \tau cAu bao hiern: bao gOm Giay yeu cAu bao hiem, giAy xac nhan va nhCvng thong tin bang van ban co lien quan den vidc yeu cAu thann 9ia Hop dOng bao hiern do dich than hoc dpi din hgp phap cua Ben mua bao hienn ky ten va cung cOp cho Hanwha Life Vidt Nam.

1.8 Nclav hap dOn5 bao hiem bat dau co hieu lut: la ngay phat sinh trach nhidm bao hiern cüa Hanwha Life Vidt Nam va duvc ghi trong Giay chirng nhan bac) hiem. Neu Hanwha Life Vidt Nam chap thuan bac) hiem, thing thoi Ben mua bao hiem va Ngt.v6i cluvc bao hienn van con song ho'Oc van dang hoat ddng hop phap nêu Ben mua bac hienn IA mdt t6 chivc) vac) thoei diem .Hanwha Life Vidt Nam cap Giay chivng nhan bao hiem, Ngay hop dOng bao hienn bat dau CO hidu IA ngay Ben mua bao hiem hoan tat HO so' yeu cAu bao hiem va dong mdt khoan tien toi thieu bang Phi bac) hiem co' ban theo dinh ky dong phi do Ben mua bao hiem chon, trir khi co th6a

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thuan khac.

1.9

N9av kV niem nann hap denq: la ngay lap lai hang nam ccia Ngay hop deng bao hiem bat du c6 hieu

1.10 N9av nienn thanq hap denq: IA ngay lap lai hang thang cüa Ngay hcyp dOng bao hiem bat Tau c6 hieu Ityc. Neu thang khong c6 ngay nay, ngay cuoi thang se la Ngay k9 niem thang hap dOng.

1.11 Nqav dáo han hap dew duvc ghi trong Giey chOng nhan bao him, IA ngay cuOi ding dia Thoi han hcyp deng bac, hiem nu Hap deng bac) him con hieu vao

theyi diem dO. 1.12 Nam hap denq: la khoang thoi gian giCra Ngay hap dOng bao hiem bAt deu c6 hieu

va Ngay 1(9 niem nam hgp deng deu tien hoc giCra hai Ngay k9 niem nann hop Ming lien tip.

1.13 Nam phi bao him: la nam hcyp deng ma Phi bao him cu ban duvc phan be dey du vao Gia tri tai khan ca ban.

1.14 SO tin bao him: la sO tien ma Hanwha Life Viet Nam nhan bao hiem vao Ngay hgp clang bao hiem bat du CO hieu ly,c va quy dinh trong Giay chit:mg nhan

bac) him. 1.15 Se tien bac. hiem hien tai: la SO tien bac) hiem ban au hoac Se tien bao hiem da

duvc dieu chinh tang hoc giam (nu CO) co hieu Ityc 6 thoi diem hien tai.

1.16 Phi bac) hiem ca ban: la so tin duvc tinh cltya ten SO tin bao hiem, tuOi va gigi tinh caa Ngu,61 duvc bac hiem ma Ben mua bao hiempOng cho Hanwha Life Viet Nam theo clinh k9 d duvc hu,Ong (cac) quyen va quyen Icyi a cep trong Quy tac

va dieu khan dm san phem bao hiem nay. 1.17 Phi bac) hiem dem them: la sO tin dOng them sau khi Ben mua bao hiem dã dOng

dey di Phi bac) hiem ca ban ctla san phem chinh va phi bac) hiem ccia cac san phem bac) hiem be sung (neu c6) den k9 Phi bao hiem hien tai. Trong m6i nam hgp thing, tong sO Phi bac) hiem &gig them kh6ng vuvt qua nam (05) len mirc phi bac) hiem nam du (Min gk&i han nay c6 the duvc dieu chinh theo quy dinh cCia phap luat tai th61 diem áp dyng).

1.18 Phf bac, hiem dinh kV: IA khan phi bao him cluvc Ben mua bao hiem city kin dOng theo dinh k9 hang qu9, hang nira nam hoc hang nam. Trong ba (03) Nam hop dOng du tier', Phi bao hiem dinh k9 phai bang hoc Ian han Phi bao hiem ca ban.

1.19 Chi phi ban du: IA khan chi phi ma Hanwha Life Viet Nam duvc phep khAu trb, hang nam Phi bao hiem ca ban va Phi bao hiem d6ng them tru,ac khi phan be cac khan phi bao hiem nay vao Gia tri tai khoan hap dOng.

1.20 Tai khan co, ban:16 tai khan &vac hinh thanh tO, Phi bao hiem ca ban. Gia tri tai khan ca ban duvc xac dinh theo quy dinh tai Dieu 34.1.

1.21 Tai khoan dOnq them: la tai khan duvc hinh thanh tu, Phi bac) hiem dong them. Gia tri tai khan dOng them duvc xac dinh theo quy dinh tai Dieu 34.2.

1.22 Gia tri tai khan hap denq: la tong sO tin duvc tich by Gia tri tai khan ca ban va Gia tri tai khan dOng them.

1.23 QuV lien ket chunq: la qu9 duvc thanh lap tO, nguOn phi bao hiem dia cac higp dOng bao hiem lien ket chung.

1.24 Lai suet cam] be: IA min lai ma Ben mua bac) hiem duvc hu,o'ng ket qua du tu,

cOa Qu9 lien ket chung sau khi di cac chi phi hoat Ong du tu, va Chi phi quan 19 qu9. Lai suet c6ng be khong thep han lai suet cam ket tOi thieu caa Hanwha Life Viet Nam cam ket.

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1.25 Chi phi man quii: la khan tien dung a chi tra cho cac hoat ding du tu, va quail 19 Qu9 lien kat chung.

1.26 Chi phi,bao him rcji ro: la khoan chi phi duvc khau trir hang thang a dam bao chi tra quyen 191 bac) him theo Quy tac va Dieu khoan nay.

1.27 Chi phi man lit hap dOnq: là khoan chi phi duvc khau trir hang thang d thy,c hien cong viec quan 19, duy tri Hap clang bao him va cung cap cac thong tin lien quan den Hap d6ng bao hiem cho Ben mua bac) him.

1.28 Khan khau trip hang thanq: la khoan tin cit.rac Hanwha Life Viet Nam khau trir tip Gia tri tai khan ca ban vao cac Ngay k9 niem thang hap (Icing bao g6m:

Chi phi bac) him rOi ro; va

Chi phi cyan 19 hap ding. 1.29 Chi phi cham dirt hap dm' tru,ac thai han: IA khan chi phi Ben mua bao hiem

phai chju khi yeu cu cham dirt Hap ding bao him trirac thoi han. 1.30 Chi phi rut tin tir Gia tri tai khan hap dOnci: la khan chi phi Ben mua bao him

phai chiu khi yeu cau rut ben Gia tri tai khoan hcyp dOng.

1.31 Gia tri hoan lai: IA sO Wen Ben mua bac) him CO the nhan duvc khi Hap ding bao hiem cham dirt triyac Ngay dao han Hap ding bac) hiem va bang Gia tri tai khan hap dOng trir di Chi phi chart) dirt hap clOng tuft thoi han. Hanwha Life Viet Nam ca, trach nhiem tinh Gia tri hoan lai phü hcyp ca k9 thuat dã dang k9 BO Tai

chinh. Gia tri hoan lai râc tinh vao Ngay niem hap ding hang nam &vac the

hien tai tai lieu nninh hoa ban hang. 1.32 Khoan no': la bat dr khan ben nao ma Ben mua bao him con rig Hanwha Life

Viet Nam bao gem: Cac khan tam Ong Gia tri tai khan hap ding va Khoan giann thu nhap du tu, phat sinh tir viec tam Ong Gia tri tai khan hap ding; va Chi phi bao him red no, Chi phi quan 19 hap citing den han va cac chi phi khac (neu cd); va Phi bac) hiem ca ban den hpn trong ba (03) nam dau tien ma Ben mua bac) hiem chiya ding cho Hanwha Life Viet Nam (neu Ca).

1.33 Khan qiann thu nhap du tt.r: IA sO ben thu nhap tir hoat Ong du tu, bi giam do Ben mua bac) hiem tam Ong tir Gia tri tai khan hap dOng. Khan giàm thu nhap dOu tu, duvc tinh theo le phan tram cua sO tin tam irng theo quy dinh cOa Hanwha Life Viet Nam tai tirng thai diem.

1.34 Thump tat toan b6 va vinh vian: nghia la khi:

a) Ngirtei duvc bac) hienn bi thu,ang tat do Tai nan hoc benh tat, lam mat hoc lit hoan toan va kh6ng the phyc h6i duvc chin nang cua:

Hai tay; hoc

Hai chan; hoc

Met tay va met chan; hoc

Hai mat; hoc

Met tay va met mat; hoc

Mt chan va met mat.

Trong trt.ro'ng hap nay, rOt hoan toan va khong the phyc hi duvc chirc nang cua (i) mat duvc hieu la mat hail mat hoc mil hoan toan, (ii)tay &vac tinh tir cO tay ter len, (iii) chan &vac tinh tir mat ca chan ter len; hoc

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b) duvc bao him bi thu,ang tat lam met kha nang lao clang vai tY la kr 81% tree len theo Bang 9uy dinh fiat.] chuan do co' quan y te/Hei deng giam dinh y khoa cep tinh, thanh pho trtyc thuec trung Lrang tra len xac nhan.

1.35 Tai nan: IA met hoac met chu8i sty kien khach quan xay ra do tac Ong cua met km, met vet bat nga tit, ben ngoai len ca the Ngutei duvc bao him va gay ra thuvng tat hoc vong cho duvc bao him. Cac sv, kien chi duvc xem la Tai nan theo dinh nghla ca Quy tac va Dieu khoan nay, nu hei di cac diêu kien sau:

Xay ra ngoai sty tion lieu, kiem soat cCing nhu, main cOa Ngutei &roc bao him;

Phai la nguyen nhan tnyc tip, duy nhat gay ra thtyang tat hoc vong cho Ngu,61 duvc bao him trong \tong met tram tam mai (180) ngay ke ngay xay ra Tai nan.

1.36 Berth c6 sAn: IA tinh tang benh tat hoac thu,ang tat cCia Ngiyai duvc bac) him dã &roc Bac si kham, chan doan hoac dieu tri truac Ngay Hop ding bao him bat dau c6 hieu kyc hoac ngay khoi phyc hieu cCia Hqp d6ng bao him gan nhat (nu c6). HO so' y te, tin sCr benh &roc kru giO, tai Benh vien/co' se' y te duvc thanh lap hop phap hoac cac th6ng tin do Ben mua bao hiem!NgLrol duvc bao him tv, kê khai &roc xem la bang cht".rng day del va hop phap ye benh c6 san.

1.37 Thai han loai trCr: là thai gian chin mind (90) ngay ke tCr Ngay hqp deng bao him bat del.] c6 hieu,Ityc hoac chin muvi (90) ngay ke ngay khoi phvc hieu ly,c gen

nhet cita Hop Ong bao him (neu c6).

1.38 Thai han loai fru, vonq: la khoang thol gian bay (07) ngay tinh ke ngay duvc bao him ln du tien duvc chan doan mac phai Berth him ngheo

doi vai tre em, Bien chi:mg dai thao dvang, Berth him ngheo giai don semi hoac Benh him ngheo giai don muen duvc neu theo Phy lyc I, Phy lyc II, Phyc lyc III va Phy lyc IV.

1.39 Bac si: 16 nhirng ngtygi c6 bang tot nghiep Bac sly khoa, c6 du trinh de chuyen mon, dang hanh nghe Bac si hop phap theo quy dinh phap 101 hien hanh de cung cap dich vy kharn chi-Fa benh, dich vy y te va dang c6ng tac tai Barth vien. Bac si kh6ng phai IA voichOng, cha/me, con, anh chi em ruet hay ngtrai than cita Ngui duvc bao hiem/Ben mua bao hien tr0, twang hqp nhu,ng ngu,61 nay lam nhiam Vt.]

theo sty phan c6ng cita cep co than' quyen. 1.40 Benh vien: IA met co' s& duvc thanh lap va hoat Ong hop phap theo luat pilaf) Viet

Nam hoac Han Quoc, chit yeu de charn sac va dieu tri nhirng ngtrai bi Om hoac bi thiyang. Co so, da phai duvc cep giey phep la Banh vien.

Benh vien se khong bao gOm nhirng co, so' sau day cho du cac co' so' nay hoat Ong dec lap hay trtyc thuec met Benh vien:

Benh vien/vien y hac dan tec, vat ly td lieu va/hoac phyc hei chin nang;

Benh vien/vien phong;

Benh vien/vien dieu &rang;

Nha bao sanh, nha dieu nha an du,6ng hay cac co' khac chit yeu danh cho viac chtlfa tri cho ngirai gia, rival nghien ruvu, chat ma tuy, chat kich thich.

1.41 Ton thiran9: IA ten thu,ang ten co the cua duvc bao hiem do Tai nan gay

ra trong thai gian CO hieu ly,c dm Hop ding bao hiern nay. 1.42 Benh nhan nei fru: la met ngiyai pen thiet phai duvc dieu tri, cham sac tai Berth

vien khi bi benh hay bi TOn thirang va sty dieu tri nay yeu ceu ngutei do phai lai Benh vien qua dem va c6 ten trong Danh sach benh nhan nei tru cCia Benh vien.

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1.43 Dieu tri do nhCzno you cu hap Kr va can thiet,ve mat v khoa:I5 viec dieu tri phi:1119P

vai,cac chart doan va thong 10 ve chan tri y te &Si vai TOn thiyang lien quan, c6 tinh chat bat buec va phai duct thut hien tai Berth Wen, khong \mat qua tieu chuan ap dung cho viec dieu tri cac benh va cac Ten thuvng tiyang ti,r duct tien hanh tai nai Ngutei duct bao him Nam vin.

1.44 Nam vier': la viec Ngu,61 duct bao him nhap vin lam Benh nhan nei fru it nhat qua met dem tai Benh vin khi bi TOn thuvng hoc b'enh a &vac Dieu tri do nhCrng yOu cu haply va can thiet ve mat y khoa theo chi dinh dm Bac si.

1.45 Nhorn nohe,nohiep: Co ben nhom nghe nghiep duct sap xep theo MCFC de nguy him tang d5n:

Nharn nghe 1: nhirng nghe nghiep lien quan den hanh chinh, chü yeu la cong viec er van ph6ng.

Nheinn nghe 2: nhOng nghe nghiep lien quan den chirc nang Om sat va kh6ng phai lao deng chan tay.

Nh6m nghe 3: nhirng nghe nghi0p lien quan den lao 'ging chan tay khong neng nhoc va CO hoc khong sir dung may m6c, c6ng cy.

Nhann nghe 4: nhirng nghe nghrep lien quan den lao Ong chan tay neng nhoc va CO hoc kh6ng sir dung may mac, cong cu.

Dieu 2: Hyp deng bao him

Hap deng bao him la thoa thuan bang van ban giDa Ben mua bao him va Hanwha Life Viet Nam, bao gm va duct cu thanh b61 cac van ban sau:

HO so' you cu bac) him; va Giay chi:mg nhan bao him; va Quy tec va Dieu khoan nay; va (Cac) Quy tec va Dieu khoan cua (cac) san pham bao him bó sung (nu c6); va Cac thoa thuan siva d6i, bó sung bang van ban khac cCia hai ben (nu c6).

Dieu 3: ThO tyc tham gia bac. him

3.1 Khi yeu ceu tham gia bac) hiem, Ben mua bac hiem phai ke khai thong tin chinh xac, day dü, trung thac va tut top ky ten vac Giay yeu cu bao him, dinh kern cac giey too theo quy dinh cCia Hanwha Life Vi0t Nam va d6ng dO khoan Phi bac him ca ban theo dinh ky du ben.

3.2 De HO so' yeu cu bao him duct chap thuen, Ben mua bac him phai CO quyen lai c6 the duct bac him Ngudi duct bao him, nhu, sau:

Ban th5n Ben mua bao him; cheng, con, cha, me hap phap cCia Ben mua bac him;

C) Anh, chi, em rut; nguai CO quan he nu6i duang/giam he hap phap; d) Ngutri khac, nu Ben mua bac hiem CO quyen lai ca the duvc bao him.

3.3 Truteng hap Ben mua bao him khong phai la Ngutei duct bao hiem:

a) Neu Ngutri duct b5o him dual mute' tam (18) tuOi va Ben mua bao him kh6ng phial la cha, me hay ngt.rai giann he hap phap cua Ngthi duvc bao him thi phai c6 van ban deng 9cOa cha, me hay ngutei giarn he hap phap cOa Ngi.rai duct bac hiem.

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b) Neu Nvol duvc bao him mu,eyi tam (18) tuOi to' len thi phai co sy, chep thu5n b5ng van ban ca Ngi.r61 duvc bao him.

Dieu 4: Bao hiem tam the:0i

4.1 Bac) him tam thai chi áp dung cho tru,ang hop Ngu,61 duvc bao hiem ccia san phern chinh tir vong do Tai npn trong thai han bao him tam thai.

4.2 Thai han bao him tam thai bet du tir khi Ben mua bao him n6p HO so' yeu CU bao him hop 15 va clang du khan Phi bao him du Wen theo quy dinh tpi Dieu 3.1.

4.3 Thai hpn bao him tam thai sé chem dirt vao mejt trong cac ngay sau, tüy ngay nao den twin:

Ngay Hanwha Life Vi5t Nam pat hanh Giey chirng nh5n bao him; hoc

Ngay Hanwha Life ViOt Nam phat hanh thu, tpm han hay tir choi bao him. Trong tnyang hop nay, Hanwha Life Vi5t Nam se hoan tra cho Ben mua bao him tan b6 phi bao him cid dOng (kh6ng tinh 15i); hoc Ngay Hanwha Life Viet Nam nh5n duvc van ban yeu cu hiiy b6 H6 so' yeu au bao hiem cCia Ben mua bao him. Trong twang hap nay, Hanwha Life Viet Nam se han tra cho Ben mua bao him tan b6 phi bao him dã dang (kh6ng tinh 15i); hoc Sau sau muvi (60) ngay ke ngay Thai hpn bao him tpm thai bet du. Trong tru'ang hop nay, Hanwha Life Viet Nam se tit, ch6i bao him va han tra cho Ben mua bac) him toan 130 phi bao hiem d5 dang (kh6ng tinh 15i), trip khi c6 th6a thu5n khac.

4.4 Trong twang hap Ngirai &vac bao him caa san phenn chinh nay tCr vong do Tai trong Thai han bao him tam thai, Hanwha Life Viet Nam se:

chi tra quyen Igi twang hap tip vong cCia sari phern chinh trong (cac) HO so' yeu cau bac) him d5 n6p cho Hanwha Life Vi5t Nam \fa chin hoan vet thO tyc them dinh, nhung kh6ng vu,gt qua hai tram tri5u (200.000.000) dOng, bet ke c6 bao nhieu H6 so' yOu cu bao him d5 n6p cua bet kjr san phem bao him n5o. Trong tru,ang hop nay, (cac) khan Phi bao him du tien 155 n6p se kh6ng duvc hoar' lai cho Ben mua bao him; hoc hoan tra (tong) Phi bac) him du tien d5 &rig (khong tinh 15i) cüa tet cà cac HO so' you au bao him d5 n6p cho Hanwha Life Vi5t Nam va chu,a hoan tet thu tyc them dinh nu (temg) Phi bao him du tier' cüa tet cà cac HO so' yeti cu bao him nay

han hai tram tri5u (200.000.000) d6ng.

4.5 Quyen Igi bao hiem tpm thoi neu ten se kh6ng duvc chi tra nu nguyen nhan tCr vong cCia Ngu,61 duvc bao hiem thu0c Dieu 22.2.

Dieu 5: Thed hen xem x6t li

Trong thai hpn hai muvi mcit (21) ngay ngay khach hang nh5n duvc b6 Hap deng bac) him, va vai dieu kin la chu,a xay ra sy, kren bao him hoc chu,ascO yeu

cu giai quyet quyen Igi bao him nao, Ben mua sbao him c6 quyen yeu au thay d6i, chinh sCra hoc hi:1y b6 Hop deng bao hiem bang cach giri thong bao bang van ban den Hanwha Life Viet Nam. Trong th&i gian nay, neu Ben mua bao hienn tra Ipi b6 Hop dong bao hiem cho Hanwha Life Viet Nam ding vi van ban yeu au hi:1y a Hap &Ong bao him, Hanwha Life Viet Nam so hoan tra (cac) khan Phi bao

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Hanwha Life

hiem ma Ben mua bao him d5 dOng (kh6ng tinhlai) sau khi kheu trip chi phi kharn, xet nghiem y khoa lien quan den Hqp ding bao hiem (neu c6).

Dieu 6: Thal hn hqp d6ng bac, him va Thiyi han dong phi ca Hqp dling bao him

6.1 Then i han hp dOng bao hiem se la khoang theri gian tir Ngay hqp ding bao him bat d5u có hieu ly,c den Ngay kji niern nam help dOng ngay sau khi duvc bao hiem dat bay muvi lam (75) tuOi.

6.2 Thoi han dOng phi bao hiem Wang clueing Theyi han hop dOng bao hiem, tuy nhien Ben mua bao hiem co the ding phi linh hoat ke tir Nam hop ding thir tu, (04) tree

di.

CHU'CYNG II— QUYEN LO'l BAO HIEN!

Dieu 7: Quyen lqi bao hiem vong

Lkra chip co, ban

7.1 Neu Ngu,Oi dirqc bao hiem tCv vong trong theri han hieu Ityc cue Hop dOng bao hiern, Hanwha Life Viet Nam se chi tra:

Gia trj Ian giCra met tarn phen tram (100%) SO an bào hiern hien ho5c Gia trj tai khoan ca ban tinh tai tiled diem tir vong; Ceng veri Gia trj tai khaki d6ng them tinh tai theri diem tir vong;

va Hqp ding bao hiern se chern dirt hieu Ityc.

7.2 TruVc khi chi tra cac quy'en lqi nay, Hanwha Life Viet Nam se kheu trir cac Khoan nq (neu c6).

Lip chip !tang cao

7.3 Neu Ngutri du,qc bac) hiem tir vong ton theri han hieu Icrc cüa Hqp dOng bao hiem, Hanwha Life Viet Nam chi tra tong SO tien

Met tram phen tram (100%) SO tin bac) hiem hien tai; va

Gia trj tai khoan co' ban tinh tai tiled diem tir vong; COng veri Gia trj tai khoan dong them tinh tai theri diem tir vong; va Hqp dOng bac) hiem Se chern dirt hieu Ityc.

7.4 Tru,O'c khi chi tra cac quy'en lcyi nay, Hanwha Life Viet Nam se kheu trir cac Khoan nq (neu c6).

Dieu 8: Quyen lçii bao hiem Thwyng tat toan b va vinh vin

Lkya chon co, ban

8.1 Neu Ngu,61 duvc bao hiem bi Thuvng tet toan lie va Vinh vi6n trong thOi h5n hieu Ityc cüa Hqp dOng bao hiem, Hanwha Life Viet Nam se chi tra:

Gia trj Ian hurl giCra met tram phen tram (100%) SO tier' bac) hiem hien t5i hoac Gia trj tai khoan co' ban tinh tal thee' diem bj Thuvng tet toan bei va Vinh an; COng vài Gia trj tai khoan (long them tinh tai thee' diem bj Thuvng tet toan be va Vinh vien; va Hop dOng bao hiem se chem dirt hieu ly,c.

8.2 Tru'erc khi chi tra cac quyen nay, Hanwha Life Viet Nam se kheu trir cac Khoan nq (neu c6).

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Hanwha Life

Lkra chbn nang cao

8.3 Neu Ngueri duge bac) him bi Thuvng tat tan be va vinh vin trong thee' hpn hiu luc cita Hgp ding bao him, Hanwha Life Viet Nam chi tra tong sO tin

Met tram phan tram (100%) So tin bao hiem hien tpi; va Gia tri tai khan ca ban tinh tpi theri diem bi Thuvng tat toan be va vinh vign; Ceng vgi Gia tri tai khan ding them tinh tai thee' diem bi Thuang tat tan be va vinh vien; va Hcyp ding bao hiem Se cham dirt hieu luc.

8.4 Truge khi chi tra cae quyen lei nay, Hanwha Life Viet Nam se khau trir cac Khan ng (neu co).

Dieu 9: Quyen Içi bao him 13§nh hiem ngheo 66i vol tre em

9.1 Trong theri hpn hieu Iivc cOa Hgp ding bao him, neu Ngual duvc bao him mac phai Berth hiem ngheo del vai tre em quy dinh ti Phy lye I va Ngueri duqc bao hiem nam trong de tuOi tY, khong (0) den nnueyipay (17) tuOi, Hanwha Life Viet Nam so chi tra hai muvi lam phan tram (25%) So tin bao hiem hien tai.

9.2 Quyen lcii bao hiem Benh hiem ngheo d6i veri tie em se cham dirt khi Hanwha Life Viet Nam deng 9 thanh tan Quyen 191 bao hiem nay va 1-191) ding bao hiern yen tiep tyc hiOu

9.3 Quyen 191 bao hiem Benh hiem ngheo del tre em chi &we chi tra khi truac do Hanwha Life Viet Nam chua ding 9 thanh tan Quyen 191 bao hiem Bien chirng dai that) duong, Quyen Icyi bac) hiern Benh hiem ngheo giai doan satin, Quyen 191 bao hiem Berth hiem ngheo giai dopn rnuen.

9.4 Truac khi chi tra cac quyen 191 nay, Hanwha Life Viet Nam se khau trir cac Khan ng (neu ca).

Dieu 10: Quyeri Içi bao hiem Bien chipng dal thao chrirrig

10.1 Trong thai gian hiOu luc cOa 1-191) ding bao hiem, neu Ngueri &me bao hiem bi Bien chirng dai thao duerng nhu, quy dinh tai Phy Lyc II, Hanwha Life Viet Nam se chi tra hai mucri lam phan tram (25%) SO tien bao hiem hien tpi nhtyng khong vugt qua nam tram trieu (500.000.000) ding.

10.2 Quyen Igi bao hiern Bien chirng dai thao duo,ng sé cham dirt khi Hanwha Life Viet Nam ding thanh tan quyen bao hiern nay va Hop deng bao hiem yen tiep tyc hiOu luc.

10.3 Quyen 191 lido hiem Bien chirng dal iliac, duerng chi dugc chi tra khi truere do Hanwha Life Viet Nam chtra deng thanh tan Quyen lqi bao hiem Benh hiem ngheo del veri tie em, Quyen 191 bao hiem Berth hiOm ngheo giai dopn seem, hoc Quyen 191 bao hiem Benh hiem ngheo giai dopn muen.

10.4 Truerc khi chi tra quyen 191 nay, Hanwha Life Viet Nam s'e khau cac Khan ncy (neu CO).

Dieu 11: Quyen 191 bao hiem 13§nh him ngheo giai don seem

11.1 Trong theri hpn hieu lye cita Hgp ding bao hiem, neu Ngueri duvc bao hiem mac phai Benh hiem ngheo giai dopn seem nhu, quy dinh tai Phy Lye III, Hanwha Life Viet Nam so chi tra hai mucti lam phan tram (25%) SO tin bao hiem hien tai nhung khong vugt qua nam tram trieu (500.000.000) slang.

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11.2 Quyen bac) him Benh him ngheo giai (loan sarn se chem dirt khi Hanwha Life Viet Nam (long 9 thanh toan quyen Igi bao him nay va Hap d6ng bao him van tip tyc hieu ly,c.

11.3 Quyen lçi bao him Benh him ngheo giai don sam chi cluvc chi tra khi tuft dO Hanwha Life Viet Nam chtya deng 9 thanh toan Quyen Igi bao him Benh him ngheo doi vai tre em, Quyen Icyi bao him Bien chirng dal thao du,ang, hoc Quyen lgi bao him Benh him ngheo giai don muen.

11.4 Tuft khi chi tra cac quyen Ipei nay, Hanwha Life Viet Nam se kheu trir cac Khoan ng (neu c6).

Dieu 12: Quyen Içi bao him 13§nh him ngheo giai don muOn

12.1 Trong thai gian hieu Ityc cCia Hap &rig bao him, nu Ngu,ai duvc bao him mac phai Benh him ngheo giai doan muen nhu, quy dinh tai Phy Lyc IV, Hanwha Life Viet Nam so chi tra nam muvi phen tram (50%) SO tien bao him hien tai.

12.2 Quyen Igi bao him Benh hienn ngheo giai cloan nnuen se chem dirt khi Hanwha Life Viet Nam cl6ng 9 thanh toan quyen 161 bac, hiem nay va Hap dOng bao him van tiep tyc hieu

12.3 Tuft khi chi tra quyen Igi bao him nay, Hanwha Life Viet Nam se kheu cac Khoan ng (neu ca).

Dieu 13: Quyen Icyi bac) him h6 tro, nArn vin do Benh hiem ngheo d6i v&i tre em, Bien chivng dai thao cltrdeng, 13§nh hiem ngheo giai don s&m, 13§nh him ngheo giai doan mus:)n

13.1 Trong thai han hieu Ityc caa Hop thing bao him, nu Nguitei duvc bao him Nem vin do Benh him ngheo deivai tre em, Bien chirng dai thao &rang, Benh hiem ngheo giai doan sann hoc Benh him ngheo giai don muen, Hanwha Life Viet Nam se chi tra khong phey hai muvi lam phen tram (0,25%) SO tien bao hiem hien ti nhung kh6ng virgt qua hai trieu (2.000.000) thing cho m6i ngay nem vin, cho dU Ngt.riri duvc bac) him dang duvc bao him bao nhieu san phern bac) him c6 quyen log bao him nay.

13.2 T6ng sO ngay nem vin tOi da theo quyen Icyi bao hiem nay sé kh6ng virgt qua:

Mudd lam (15) ngay cho m6i len NArn vin; va

Chin mLrai (90) ngay cho m6i Nam hgp thing; va

Nam tram (500) ngay cho m6i Ngu,ai duvc bao him, cho dO Nqueri dirac bac, hiem dang duvc bao hiem Uri bao nhieu sari phenn bao him c6 quyen bac, hienn nay.

13.3 Khoang cach giCra hai (02) lAn n'em vin tinh tY, Ngay xu6t vin tuft va Ngay nhep vin In lien ke tOi thieu phai tCr sau mirai (60) ngay dOi vai ciing met (01) Benh him ngheo clOi vâi tre em/Bien chOng dai thao dirang/Benh him ngheo giai don sann/Benh him ngheo giai don nnuen va bay (07) ngay dOi cung met (01) Ung

thu, ngoai fru, trirang hap Ngt.rifyi &vac bao him phai chuyen vin len !uyen ten theo chi clinh ciia Bac sT (twang hap nay sO ngay tOi da cho moi Ian Nam vin IA mu,61 lam (15) ngay).

Ngoai twang hap neu trên, trong cac tru,ang hcyp chuyen vin khac, tOng SO ngay Nam vin cac len chuyen vin tOi da là mixeri lam (15) ngay.

13.4 Sau khi Hanwha Life Viet Nam thanh toan het nann tram (500) ngay Nem vin ca Quyen lqi bao hiem nay, quyen lqi bao hiem nay se chem dirt va Hop clang bao

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Hanwha Lire

hiern ven con trap tyc hieu Ityc.

Dieu 14: Quyen lqi bac him min dong phi bao him do Benh him ngheo giai doan

muOn

14.1 Trong thai gian hieu Ityc cua Hgp deng bao him, khi duvc bao him ink phai Benh him ngheo giai doan muen, Hanwha Life Viet Nam se h6 to' Ben mua bao him dOng toan be Phi bao him ca ban cua san phern bao hiem nay ke ky phi ke trap cho den het hai mini (20) nem tip theo hoc cho den Ngay dao han Hap deng, tuy thuec vac, thai diem nao den tru,ac.

14.2 Trong tnyang hap San phem chinh nay duvc dinh kern vai bet ky San phem be sung Mien &mg Phi bao him nao cua Hanwha Life Viet Nam, va neu nhu, trong truteng hgp Hap &rig bao hiem du dieu kien nhen chi tra Quyenlgi bao hiem Mien dong phi bao hiem cua ca San phem chinh va San phem bao hien.' be sung Mien dOng Phi bac) hiem ding met I6c, Hanwha Life Viet Nam se' áp dung Quyen Igi bao hiem Mien dong phi bao hienn c6a San phern bao hiem be sung Mien clang phi bao hienn cho den khi ket thiic Thai han bao hiem cua San phern bao hiem be sung Mien dong phi bao hiem. Deng theri, tat ca cac san phem bao hiem be sung dinh kern cho Ben mua bào hiem dm San phem bac) hiem Lien Ket Chung 2020 — Ke hoach Benh hiem ngheo van tiep tyc hieu Ikrc.

14.3 Sau khi thai bac, hiem caa san phern bao hiem be sung Mien dOng phi bao hiem ket th0c, Hanwha Life Viet Nam se trap tyc chi tra Quyen Igi bao hiem Mien dOng phi bao hienn cua san phenn nay theo quy dinh tai Dieu 14.1.

Dieu 15: Mt s6 ILpu y khi chi tra quyen 191 bao hiem

15.1 Hanwha Life Viet Nam chi chi tra met trong cac quyen Igi bao hiem sau: Benh hiem ngheo dOi vai tre em, Bien chirng dai thao &rang va Benh hiem ngheo giai doan sam.

15.2 Tong quyen Igi bac) hiem c6a cac quyen 191 bao hiem sau day se kh6ng duvc virgt qua bay muvi lam alien tram (75%) Se tien bao hiem hien tai:

Benh hiem ngheo del tre em; va

Bien chirng dai thao &rang; va

Benh hiem ngheo giai doan sarn; va

Benh hiem ngheo giai doan muen.

Dieu 16: Chuyen dOi quyen 191 bao ve

Trong thai hn hieu Ikrc cua Hap ding bao hiem, Ben mua bao hiem c6 the chuyen del Lyra chan quyen Igi bao hiem: tO, Lkra chon nang cao sang Lkra chon ca ban vao cac Nam hgp dOng nam (05) hoc mu,61 (10) hoc vao Nem hap dOng Nguai &vac bac hiem dat sau mirai lam (65) tuOi. Khi Ben mua bao hiem chuyen Mi quyen 191 bao ye, Phi bao hiern ca ban va mirc Phi bao hiem dOng them tOi da sO thay del Wang Ong.

Dieu 17: Quyen kyi thweeng duy tri hqp dOng

17.1 Trong theri gian Flgp dOng bao hiem dang cOn hieu Hanwha Life Viet Nam se tkr Ong Ong vao Tai khoan co' ban mOt khoan tien pi la Quyen Igi thiremg duy tri hgp dOng theo lich nhir sau:

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Hanwha Lile

CuOi nam hop d6ng thir 8

A. • Cuoi nam hop d6ng thi:r 13

Cu& Warn hap &rig th6, 18

CuOi nann hop d6rig thu, 23

CuOi nam hap d6ng th6, 28

10% cua Phi bao him ca ban quy narn c6a Nam hop Ming du tien

50% c6a Phi bao him ca ban quy narn c6a Nam hop d6ng du tion

100% c6a Phi bao hiem ca ban quy nam dm Nam hop ding du tien

150% c6a Phi bao him ca ban quy nem c6a Nam hap deing du tier,

200% c6a Phi bao him ca ban quy nem c6a Nam hop &rig du tien

17.2 Dieu ki5n d nhen Quyen Igi thudeng duy tri hop d6ng la:

Tet ca cac khoan Phi bao him ca ban d5 cluvc d6ng dey du lien tyc va dung han Ngay hop d6ng bat dau co hieu Icrc cho den Ngay k9 ni5m Wahl hop d6ng ma

Quyen Igi thuVng duy tri hap clOng duvc xem xet chi tra; va

Hanwha Life Vi5t Nam chiya thanh toan Quyen Igi bao him mien thing phi bao him do BOnh him ngheo giai doan muen.

Dieu 18: Quyen lqi ciao hen

Vao Ngay dao han hop thing, nu chin c6 yeu cu giai quyet quyen Jai bao him trong trutmg hop tir vong hoc Thuvng t5t toan b6 va vinh vin, Hanwha Life Vi5t Nam se chi tra toan b6 Gia tri tai khoan hop d6ng sau khi tru, di cac Khoan ng (nu

c6).

Dieu 19: Quyen 191 dam bao duy tri hieu Ivc Hqp d6ng bao him

Trong ba (03) Nam hcyp d6ng du tien, Hap d6ng bao hiem se &Kip dam bao duy tri hi5u Ikrc ngay ca khi Gia tri tai khoan hop d6ng nho han hoc bang killing (0) vai dieu kin Ben mua bao him d6ng dey du va dung han Phi bao him ca ban c6a ba (03) Nam hop ding dau tien.

Dieu 20: Quyen 191 bao him d61 vel tre em

Trong thai gian Hap d6ng bao him dang con hi5u nu Nguai duvc bao him

t6, vong hoc bi Thuvng tet toan be va vinh vin trirac khi tr6n bOn (04) tuOi, SO tin bao him hiOn tai se duvc dieu chinh tuang Ong theo bang clifai day:

TuOi (*) Dipai 01 TuOi TO 01 TuOi den &poi 02

TuOi

TO, 02 TuOi den thyai 03

TuOi

TO 03 TuOi den dual 04

TuOi

Ti le dieu chinh

20% 40% 60% 80%

(*) TuOi c6a Ngutei duvc bao hiem duvc xac dinh thai diem xay ra kin bac)

hiem.

Dieu 21: Quyen Icyi hvevng lel ter ket qua du tu, c6a Qui( lien ket chung

21.1 Trong thai gian Hop dc'ing bao hiem dang con hieu Gia tri tai khoan hap ding

se ducyc tinh lai hang thang theo 1710C Lai suet cong bO tai tCvng thai diem. Lai suet congb6 se bang t915 Igi nhu5n du tu cua Qu9 lien ket chung triy di Chi phi quan 19 qu9, nhung duvc Hanwha Life Vi5t Nam dam bao kh6ng thep han:

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Hanwha Life

Nam figp dng Lai suet cam ket tOi thieu

1-3 3,0%/narn

4-6 2,5%/nam

7-9 2,0%/nam

10-12 1,5%/nam

TO, Nam hgp ding tho' 13 trde di 1,0%/nam

21.2 Tien lai se duvc tinh bang cach nhan Lai suet c6ng IGO Gia tri ta khoan hgp Ong. Tien lai se_duvc tinh theo ngay va tkr Ong cOng them vao Gia tri tai kho5n hgp dOng vao m6i Ngayk9 niem thang hgp dOng.

Dieu 22: Cac dieu khoan looi tr.& trach nhi§m bao him

22.1 Logi trip bao him dOi v&i trutmg hqp vong: Quyen 191 b5o him vong sO kh6ng duvc chi tra, neu sty kien bao hiem do bat cu, nguyen nhan nao sau day gay ra:

Ty, trong tang thai tinh than binh thuVng hay met tri, )(ay ra trong vong hai (02) nam ke tu, Ngay hgp clang b5o hiem bat dau co hieu Ityc hoc ngay khoi phyc hieu ly,c gen nhet cOa Hgp dOng bao hiem. D6i vol khodn tang SO tin bao hiem, loai trO, do nguyen nhan ty, tC.J, so cluvc ap dyng trong \icing hai (02) nam ke to' ngay khoan tang SO tien bao hiem c6 hieu ly,c hoc ngay kh6i phyc hieu ly,c gen nhat

cCia Hgp dOng bao him; hoc Nhiem HIV, bi AIDS, hay cac benh c6 lien quan den HIV/AIDS (ngopi tri:f nhO,ng truVng hgp phoi nhiern do nghe nghiep nhu, cong an, Bac si); hoc

SO' dung chat ma tuy, chat kich thich hoc cac chat gay nghien trai phep tru, tru,teng

hgp theo chi dinh cOa Bac si; hoc Hanh vi có 9 phann ti dm Ben mua loao hiem, Ngu,6i duvc b5o hiem hoc NguVi thy huVng theo phap luat hien hanh cCia nu,gc see tai.

22.2 l_c4i bao hiem &Si vol truteng hqp vong do Tai non:

Quyen Igi bac) hiem tpm theri sO khOng cluvc chi tra, neu sty kin bac hiem do bat nguyen nhan nao sau day gay ra:

Sy, kin Tai !Ian )(ay ra cho Ngt.poi duvc bao hiern xOy ra tuft ngay bat du thol han bao hiem tam thoi theo quy dinh ti Dieu 4.2; hoc

Tv gay thuvng tich cho ban than, ty, tie hay mu,u toan cho dO trong tang thai

tinh than binh thu,grig hay met tri; hoc

ROi lopn tam than, mat tri hoc rOi loan tam I9; hoc

Tham gia vao hoat Ong dinh c6ng, nOi loan, bac, Ong; hoc

Do sir dyng rugu bia vuvt qua ham luvng cho phop can theo Lust giao th6ng

duteng 130 hoc do 5nh hu,deng dm bat k9 loai thuOc nao, trir truVrig hgp c6 chi dinh dm Bac si vdei myc dich chira benh; hoc Do tham gia cac phuvng tin hoat dng tren khong trip phi vai vai tro hanh khach c6 mua ye dm rn0t hang hang kh6ng dan dyng CO gray phep hoat Ong va lich trinh bay; hoc

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Hanwha Lire

Do tham gia cac cuec dua, cac hoat deng the thao chuyen nghiep, Ian c6 binh khi nen, leo nui, nhay du, x6,19 chat nO hoc su, dyng sung; hoc

Nhrem HIV, bi AIDS,_ hay cac benh c6 lien quan den HIV/AIDS (ngoai tru, nhOng

tru,O,ng hgp phai nhiern do nghe nghiep nhu, cong an, Bac Si); hoc

Sir dyng chat ma tily, chat kich thich hoc cac chat gay nghien trai phep fru, tru,Ong hgp theo chi dinh cua Bac si; hoc Hanh vi có ' pham tei dia Ben mua bac him, Ngutei duvc bao hiem hoc NgLrgi thy hu,o'ng theo phap luet hien hanh cua ruin so' tai; hoc Hanh Ong có 9 hoc co tinh toan nham truc Igi bao him cua Ngi duvc bao him, Ben mua bac) him hoc Ngu,o,i thy twang.

22.3 Loa' trip bao hiem 661 voi tru*ng hqp Thunyng Vat toan b va vinh vin

Quyen lqi bao him Thuvng tat than be va vInh vier, se kh6ng duvc chi tra, neu kien bao hiem do bat cu, nguyen nhan nao sau day gay ra:

Ty, trong trang thai tinh than binh thu,O'ng hay mat tri, xay ra trong yang hai

(02) narn Ngay hgp dong bac him bat dau c6 hieu lu,c hoac.ngay kh6i phyc

hieu gan nhat cua Hgp Tong bao him. DCA vai khoan tang S6 tien bao him, loai fru, do nguyen nhan tly tir sé duvc áp dyng trong yang hai (02) nam ke tir ngay khoan tang SO tien bao hiem c6 hieu Ityc hoc ngay khoi phyc hieu ly,c gen nhet

cCia Hoy dling bao him; hoc

Ty, gay thuvn9 tich cOa Ngutei duvc bao hiern, dü trong tang thai tinh than binh thu,o,ng hay mat tri; hoc Nhi8m HIV, bj AIDS, hay cac benh c6 lien quan den HIV/AIDS (ngoai nhOng

tru,O'ng hop phoi nhlem do nghe nghiep nhu, ding an, Bac si"); hoc

Su, dyng chat ma tily, chat kich thich hoc cac chat gay nghien trai phep trO, truteng

hgp theo chi dinh dm Bac Si; hoc Tham gia cac phuvng ten hoat Ong tren kh6ng fru, phi vgi vai tro hanh khach c6 mua ye cüa met h5ng hang khong dan dyng c6 giey phep hoat Ong va lich trinh bay; hoc Tham gia cac cuOc dua, cac hoatdOng the thao chuyen nghiep, Ian co binh khi nen, leo mil, nhay du, xi)' I' chat nO hoc sir dyng sung; hoc Hanh vi c6 9 pham ti dm Ben mua bao hiem, Ngu,o,i duvc bao him hoc Ngu,Oi

thy hu,O'ng theo phap luat hien hanh cua nu,O'c see tai.

22.4 Loai bao hiem 661 vivi trixivng hqp mAc phai Benh him ngheo a61 vol tre em, Bien chivng dai thao duivng, Benh hiem ngheo giai doan sem, B'enh him ngheo giai doan muOn: Hanwha Life Viet Nam se kh6ng chi tra quyen 101 bao him Benh hiem ngheo dOi

vdri tre em, Bien chirng dai thao du,o,ng, Benh him ngheo giai doan sem, Benh him ngheo giai doan muen neu Ngu,61 duvc bao him c6 bleu chirng, duvc chan doan mac phai hoc mac phai cac benh neu ten do cac nguyen nhan try,c tip

hoc gian tiep tir Benh c6 sari. Hanwha Life Viet Nam se khong chi tra quyen Igi bao him Benh him ngheo dOi vOl tre em, Bien chirng dai thao du,grig, Benh hiem ngheo giai doan son, Benh him ngheo giai doan muen, nu Ngu,61 duvc bac) him c6 trieu chirng, duvc chan doan mac phai hoc mac phai cac benh neu ten trong TWA han loai tax. Hanwha Life Viet Nam s'e kh6ng chi tra quyen Igi bao him Berth hiem ngheo cti vOl tre em, Bien chu,ng dai thao duteng, Benh him ngheo giai doan son, Benh

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hiem ngheo giai doer) muQn, nu Ngu,61 dirgc bao hiem chat trong Thai hen loei trir vong.

d) Loei trO, trong cac tru,ang hap khac: Hanwha Life yrot Nam se killing chi tra quyen lai bac) hiem Benh hiem ngheo d61 vai tre em, Bien chirng dai thao &rang, Benh hiem ngheo giai don son, Benh hiem ngheo giai doen nnuen, nu sy, kien bac) hiem do bat cir nguyen nhan nao sau day gay ra:

Benh hoc cac di tet barn sinh; hoc Ti tir, dü trong treng thai tinh than binh thirang hay met tri, xay ra trong yang hai (02) nam ke tO, Ngay hieu Ikrc cua San pharn bac) hiem be sung hoc ngay khoi phyc hieu Ityc gen nhat dm San pharn bao hiem be sung; hoc

Ty, gay thu,ang tich cua dirac bao hiem, du trong tang thai tinh than binh thlyang hay mat tri; hoc Nhiam HIV, bi AIDS hay cac benh co lien quan den HIV/AIDS (ngoei trig ntang twang hap phai nhiem do nghe nghiep nhu, c6ng an, Bac Si); hoc

SCP dung chat ma tuy, chat kich thich hoc cac chat gay nghien trai phep fru, twang

hap CO chi dinh dia Bac Si; hoc

Do SCP dyng ruvu bia vu,cyt qua ham 'wing cho phep can theo LOA giao th6ng

dirlang be hoc do anh hu,erng dia bet k' lopi thu6c nao, twang hgp co chi dinh

cua Bac si myc dich ch(Tra benh; hoc

Vic nhiem chat ph6ng xe; hoc I-10u qua dm hanh Ong co 9 hay vo 9 ten c6ng bang v0 khi nguyen khi Flea

h9c hoc v0 khi sinh h9c; hoc Hu qua cila cac hopt Ong quan sty trong khi dang phyc vu trong quan ng0; hoc

Chien tranh (CO tuyen be hay khong tuyen b6), cac hoet Ong 010 dich, hieu chien hoc mang tinh chien,tranh, nei chien, nOi Ion, beo Ong, beo loan dan sty hay hoet Ong lien quan den khung be; hoc Tham gia cac phirang flan hoet Ong tren kh6ng Kr phi vai vai tro hanh khach c6 mua ye caa met hang hang kh6ng dan dyng c6 grey phep hoet Ong va lich trinh bay; hoc Nroi cluvc bao hiem tham gia cac cuec dua (94 chey dua, di be), sari ben,

bieu din rai ty, do tir may bay, cac host Ong the thao chuyen nghiep, leo nui, cac hoet Ong duel nuac, nhay dO, xi:r 19 chat nt) hoc sCr dung siing; hoc

Hanh vi CO 9 phpm ti dm Ben mua bao hiem, Ngu,61 duvc bao hiem hay Ngu,Oi

thy hu,deng theo phap luet hien hanh cOa mac ser tai.

22.5 Trong tnyOng hap Ben mua bao hiem kh6ng vi phem Dieu 24, Flgp clang bac) hiem Se charn dirt hieu Ikrc va Hanwha Life Viet Nam se tra lei cho Ben mua bao hiem Gia tri tai khoan hgp clang ti thoi diem )(ay ra sy, kien bao hiem sau khi di cac

Khan ng (neu Ca).

22.6 Tronp tru,ang hap met hoc met se) Ngu,6i thy hikeng c6 9 gay ra hanh vi c6 phern

ti doi vai Ngu,Cri cluvc bac) hiem, Hanwha Life Viet Nam van chi tra toan be quyen lçri bao hiem cho (nhirng) Ngiroi thy Wang khac theo t910 tircing Ong vi;51 t9 I0 ma Ben mua bao hiem dã chi dinh tru,ac khi xay ra sy, kin bao hiem.

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CHU'O'NG III - QUYEN VA NGHIA VU CCJA BEN MUA BAO HIEM

Dieu 23: Quyen c6a Ben mua bao him

23.1 Wit ben Gia tri tai khoin &mg them trong thel gian H6,6 dOng bao him dang con hieu Khi Ben mua bac him yeu cu rOt tin, Hanwha Life Viet Nam se Lru tien cho Ben mua bao him rut tin Gia trj tai khan dOng them. Khi Gia trj tai khan clang them bang khong (0), Ben mua bao him sé duvc chuyen qua rut tin tir Gia trj tai khan co' ban.

Trong.thoi gian Hgp deng bac him dang con hieu lv,c, Ben mua bao him Co the yeu cau rut tien tCr Gia trj tai khan dong them vai sO Ian rOt kh6ng gi61 han nu dap Ong cac dieu kin sau: SO tin yeu cu rut m6i In kh6ng duvc th5p hurl so tin rUt tOi thieu m6i Ian theo quy dinh dia Hanwha Life Viet Nam tai tirng theri diem;

SO tin you cu rut toi da la bang Gia trj tai khoan thing them. Ben mua bao him kh6ng phial chi tra Chi phi rut tin tir Gia trj tai khan dOng them;

SO tin bao hiem hien tai se khong thay dOi sau khi Ben mua bao him rid tin Gia trj tai khan dOng them.

23.2 RCA tin tir Gia tr tài khoan co, ban trong thoi gian Hon dOng bao him dang con hieu ly,c

a) Trong theri gian Hop dng bao him dang con hieu ly,c va sau Nam hop (long du tien, Ben mua bao him c6 the yeu cu rut tin Gia trl tai khan ca ban vdei sO Ian rut khong gieri han nu dap Crng cac dieu kin sau:

SO tin yeu cu rut m6i In khong vuvt qua 80% Gia trj hoan lai cUa Gia trj tai khan ca ban sau khi tru, di cac Khan ng (nu c6) va kh6ng duvc thap hurl s6 tin rut tOi thieu rnoi lAn theo quy dinh cua Hanwha Life Viet Nam tai *rig thoi diem;

Sau khi rUt tin, Gia trl tai khan ca ban khong th4 han quy djnh cUa Hanwha Life Viet Nam tai tirng thoi diem. Ben mua bac) him phai tra Chi phi rut tin tCr Gia trj tai khan co' ban theo quy dinh tai Dieu 32.6; SO tin bao him hien tai cUa san pham chinh se duvc dieu chinh giann Wong irng vaei sO tin rUt nu Gia trj tai khan ca ban sau khi rOt nho hurl SO tin bac) hiem hien tai. Tuy nhien, SO tier' bac) him hien tai sau khi giàm khong duvc thap hurl SO tin bao him tOi thieu theo quy djnh cUa Hanwha Life Viet Nam.

23.3 Rut tier' Gia tri tai khoin dong them va Gia tri tai khoan co, ban trong thol gian H6,6 dOng bao him mAt hieu Ityc trong ba (03) nam du tien Ben mua bao hienn c6 the yeu cu rut tin tir Gia trj tai khan thing them va Gia trj tai khoan ca ban khi Hgp dng mat NO Ityc trong ba (03) nam du tien dieu

kin sau:

Khi Ben mua bao hiem rut ten tiy Gia trj tai khoan dOng them, Hanwha Life Viet Nam h6 trg khach hang Kit toan b0 Gia trj tai khan d6ng them mOt Ian. Khi do, Hgp dng bac, him Va'n duy tri tinh tang mat NO Ityc va Ben mua bao him van CO the yeu cau kh6i phvc hieu lçrc Hgp dng bao hiem nhu, quy dinh tpi Dieu 23.10. Khi Ben mua bao hiem rUt ten tir Gia trj tai khan cry ban, Hanwha Life Viet Nam M trg khach han9 rtit tan b0 Gia trj tai khan co, ban mOt Ian tinh den theri diem Hop dng bac) hiem mat hreu ltyc, sau khi khAu fru, Chi phi cham &A hop dng

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twin theri Ilan (chi phi nay tinh tai thiri diem Hop 'ling bao him met hieu Ivo). Khi d6, Hop thing bao him se chain dirt hieu va Ben mua bao him Se kh6ng the yeu cu khoi phyc hieu Irc Hgp dOng bao hiem nhu, quy dinh tai Dieu 23.10.

23.4 Thay 861 SO tin bao him

Trong thOl gian Hgp citing bao hiem dang con hieu ly,c va sau ba (03) Nam hcIP (long du ten, Ben mua bao him CO the you cu thay dOi SO tin bao hiem vgi cac dieu kin nhu, sau: Phi bao him co' ban cho ba (03) Nam hgp thing du tien äã duvc dOng dey di); va Quyen Igi bac him mien d6ng Phi bao hiem do Benh him ngheo giai doan muOn chLra duvc Hanwha Life Viet Nam dOng 9 chi tra; va

Viec thay d6i SO tin bac:, him se' CO hieu ly,c vao Ngay Ic9 niem thang hop dOng tip theo ngay sau khi yeu c8u thay 861 SO tien bao him duvc Hanwha Life Viet Nam chep thu8n. Phi bao him co ban, chi phi bao hiem rCii ro va cac dieu kin khac c6 lien quan cOa Hop clang bao hiem co the duvc dieu chinh tuteng irng; va SO len thay d6i SO tin bac) hiem trong mOt (01) Nam hop dng se do Hanwha Life Viet Nam quy dinh tai tirrig thgi diem; va Trong truteng hop yeu cu tang So tien bao hiem: TuOi Noyeri duvc bao him khOng duvc \arc:A qua sau mLrai (60);

Ben mua bac) him va Ngutri duvc bao hiem phai dap (mg cac dieu kin them dinh tai theYi diem yeu cu tang SO tien bac) hiem theo quy dinh hien hanh ceia Hanwha Life Viet Nam.

f) Trong triromg hgp yeu cu Om SO tien bao hienn, SO tien bao hiem nnai khong duvc thep han S6 tin bao him tOi thieu theo quy dinh ccia Hanwha Life Viet Nam.

23.5 Tam (i'rig tir Gia tn tài khoan co, ban

a) Trong theri gian Hop &mg bao him dang con hieu Ityc va sau ba (03) Nam hgp dng du tien, Ben mua bac) hienn Co the yeu cu Hanwha Life Viet Nam tam Ong tir Gia tri tai khoan co ban neu dap Ong cac dieu kin sau:

SO tien tam Ong khong duvc mot qua 80% Gia tri hoan lai ccia Gia tri tai khoan co ban till, di cac Khoan (nu c6); va SO tin yeu cat.' tam Ong khong duvc the') han gidei hpn tam Ong tOi thieu do Hanwha Life Viet Nam quy dinh vao tirng thOi diem; va

Sau khi tam Ong, Gia tri hoan la' trir di cac Khoan ncy (neu c6) tOi thieu khong thep quy dinh cOa Hanwha Life Viet Nam tai tirng thoi diem.

Vic tam irng tir Gia tri tai khoan co ban se lam phat sinh cac Khoan giarn thu nhep du tu, Wang Ong. Ben mua bao him c6 the hoan tra sO tin tpm (mg va Khoan giann thu nh8p du tu, vao bat kjr ICJC nao.

Hanwha Life Viet Nam se kheu trig sO tin tam Ong, va Khoan giãm thu nhOp du kr tru,ac khi chi tra bet k9 khoan tin nao theo Hop clang bao hiem nay.

23.6 Tham gia them (cac) san phAm bao him 136 sung

Khi Hop diing bao hiem dang con hieu ly,c, Ben mua bao hiem Co the yeu cu tham gia them (cac) san phern bao hiem be sung vii cac dieu kien sau: Hanwha Life Viet Nam dang cung cep (cac) san phem bao hiem 136 sung do tpi thiri diem Ben mua bao him yeu cu tham gia; va Ben mua bac) him va Ngutei duvc bao him phai hi dO dieu kin de tham gia (cac) san phern bao hiem loO sung; va

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Hanwha Life

c) Ben mua bao him dOng 9 dOng them phi bao him cho (cac) san phem bao him 136 sung. Quyen Igi cCia sari phem bó sung se bet du c6 hieu l‘rc ke tir ngay ghi tren van ban chep thuen ciia Hanwha Life Viet Nam.

23.7 Chi dinh và thay dOi Ngutri thy hutrng a) Ben mua bao him c6 quyen chi dinh met hoc nhieu Ngiroi thy huteng vài sr dm?

9 dm Ngt.r.gi duvc bao him hoc di dien hgp phap ci.a Ngutri &tic bao hiem de nhen Quyen icyi bao him theo Hop clang bao him nay. Ben mua bao him c6 the quy dinh cy the t9 10 thy hulang ma mei Ngutri thy hutrng &rot hiromg. Neu Ben mua bao him khong quy dinh cy the thi tAt ca nhOng Ngirgi thy hutYng së nhen met t9 10 bang nhau.

b) Vao bet dr lüc nao trong Theri hen hieu lyt dia Hop ding bao him, Ben mua bao him có quyen you cu Hanwha Life Viet Nam thay di Ngutri thy huteng hoc t9 10 thy hutrng cta Ngutri thy Nromg voi sty dOng 9 cia Ngutri duvc bao him hoc dei din hcyp phap dia ngueri duvc bao him. Vic thay dOi chi c6 hieu lyt sau khi Hanwha Life Viet Nam chap thuen bang van ban.

C) Hanwha Life Viet Nam se khong chit.' bet k9 trach nhiem pi-1419:1a° lien quan den viec chi dinh hay thay di Ngutyi thy hutrng, trir tilting hop do lOi cCia Hanwha Life Viet Nam.

23.8 You cat.' chAm din Hop ding bao him a) Trong they' gian Hop dOng bao him dang con hieu lyt, Ben mua bao him c6 quyen

yeu cu chem dirt Hop dOng bao him bang cach giri th6ng bao bang van ban cho Hanwha Life Viet Nam. Ngay chem dirt Hop dOng bao hiem la ngay Hanwha Life Viet Nam nhen dutyc dun yeu cu chenn dirt hieu Ityc Hop ding bao him cOa Ben mua bao him.

b) Khi yeu cu chem dirt hop thing trixac thiri hen duvc Hanwha Life Viet Nam chep thuen, Ben mua bao him sé nhen dutyc Gia tri hoan lei sau khi tar di cac Khoan ng (nu c6).

23.9 Chuyen nhtygng Hqp ding bac) hiem

Trong thdri hen hieu dm Hop &rig bac) him, Ben mua bao shiern c6 the yeu cu chuyen nhuvng Hcyp dOng bao him bang cach thong bao bang van ban cho Hanwha Life Viet Nam. Ngutri nhen chuyen nhuvng Hgp doing bao,hiem phai hi dü dieu kien de trer thanh Ben mua bao hiem ye cam ket thkrc hien day dCi cac nghia vy duvc quy dinh theo Hop dong bao him. Nguti duvc bao hiem vgn phial IA NgLrgi di.rgc bac) Nem ghi trong Grey chi:mg nhen bao him. Vic chuyen nhuvng chi Co hieu Ityc ice tir thdri diem Hanwha Life Viet Nam chep thuen bang van ban. Sau khi viec chuyen nhuvng c6 hieu Ngutri nhen chuyen nhuvng se tr& thanh Ben mua bao him mg' va CO toan be quyen Igi va nghia vy ca Ben mua bao him dói vai Hop (Icing bao him;

(Nhihng) Ngirgi thy hutrng duvc chi dinh twit khi chuyen nhuting se ty, Ong bj

hiiy bo. f) Hanwha Life Viet Nam se kiem tra tinh hcyp 10 dm hO' so, you cu chuyen nhuvng

hop dOng nhung kh6ng chiu bet k9 trach nhiem phap 19 nao dOi vdri cac tranh chap lien quan den viec chuyen nhuvng nay ma khong phai do loi cCia Hanwha Life Viet

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Hanwha Life

Nam. 23.10 KW phyc hileu lyc cita Hqp deng bac> him

Khi Hqp deng bac) him bi met hieu lyc theo quy dinh ccia Quy tec va Dieu khoan san phem nay, Ben mua bao him Co the yeu cau Hanwha Life Viet Nam khoi phyc hieu lyc cüa Hvp deng bao him trong,vong hai (02) nam ketCr ngay Hqp dOng bao him bj mat hieu lyc neu dap Ong tat ca cac dieu kin sau: Ben mua bac, him 'Jong dey du phi bao him theo quy dinh cUa Hanwha Life Viet Nam; va Ben mua bac) him va Ngu,61 duvc bao him vgn dap Ong mpi dieu kin de co the duvc bao him. Neu duvc chap thuen, thoi diem Hqp citing bao him chive khOi phyc hieu lyc sé duvc tinh tir ngay ghi ten van ban chap thuen cüa Hanwha Life Viet Nam, vai dieu kin ca Ben mua IA° him ye NgLroi dirqc bac him van con song vao thaci diem nay.

Dieu 24: Nghia vy ctia Ben mua bao him

24.1 Ke khai thong tin trung thtyc va day du

Ben mua bac) hiem/Ngutri duvc bao him co nghia vy ke khai chinh xac, trung thyc va dey dü cac thOng tin ten Grey yeu cau bao hiem, To' khai sirc kh6e, Gray yeu cu khoi phyc hieu lye hcyp &rig va cac yeu cau diêu chinh, be sung thong tin khac b5ng van ban a lam co, ser cho viec giao ket hoc khoi phyc hieu lyc Hqp dOng bao him giCra hai ben. Thy tirng trirdeng hqp, Hanwha Life Viet Nam CO quyen yeu cu kienn tra sirc khoe cia Nguiri duvc bao him de lam ca sec cho viec quyet dinh chap nhan bao him, chep nhan gia tang SO tin bao him, hoc khoi phyc hieu lyc Hqp ding bao him. Tuy nhien, viec kiem tra sire khoe (neu c6) cOng khong thay the cho nghia vy phai cung cep th6ng tin chinh xac, trung,thyc va day dü dm Ben mua bao hienn/NgLroi duvc bao him theo quy dinh tai Dieu nay. Vao bet k9 thoi diem nao k ca khi sy kin bac) him d5 xay ra hoc Hqp deng bao him d5 chenn (rt nu Hanwha Life Viet Nam CO du bang chirng ve viec Ben mua bac) hiem/NgLrOi &Tic bao Hem có y vi pham nghTa vy quy dinh tai Dieu 24.1.a) va nu th6ng tin duvc kê khai chinh xac, trung thyc va dey dCi, Hanwha Life Viet Nam da kh6ng chap thuan bac) him hoc kh6i phyc hieu lyc Hqp (long bao him, Hanwha Life Viet Nam c6 quyen clan phuvng chem dirt Hqp ding bao him, khong thanh toan bet dr Quyen lqi bao him nao va cling kh6ng hoan lai cac khoan phi bao him d5 dOng, song se tra cho Ben mua bao him Gia tri tai khoan hqp dling trir di cac Khoan nq (nu c6).

24.2 Dong Phi bao him Hanwha Life Viet Nam se gill thu, th6ng bao ve viec thing phi bac) him cho Ben mua bao him. Tuy nhien, Ben mua bao him c6 nghia vy d6ng phi bac) him va dam bao duy tri Gia tri tai khoan hqp deng han kh6ng (0) ngay ca khi khong

nhan cluvc thy th6ng bao nay.

24.3 Cap nhat thong tin Neu Ben mua bao him va/hoac Ngudi duvc bao him thay dOi dia chi lien he, hp ten, hoc Chirng minh nhan dan, Ben mua bao hiem phai th6ng bao bang van ban cho Hanwha Life Viet Nam trong yang ba muvi (30) ngay ke ngay thay del. Neu NgLroci dLrqc bac) him ra khOi pham vi lanh the Viet Nam hoc Han Quec (trir truerng hqp Kr Viet Nam sang Han Qu6c hoc ngucyc lai) ba (03) thang treY len, Ben mua bao him phai thong bao bang van ban cho Hanwha Life Viet Nam. Trong

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twang tidy nay, Hanwha Life Viet Nam c6 quyen quyet dinh: tip tyc thkrc hien Hgp dong bac hiem vai cac dieu kin khOng thay di; hoc

tang Chi phi bao hiem rcii ro; hoc

chain dirt Hgp dOng bao hiem. Trong twang hap Ben mua bao hiem khOng dOng viec tang Chi phi bao hiem rOl ro theo diem ii) neu tren, Ben mua bao hiem co quyen yeu cu chern dirt Hap dr-1g bao hiem vA nhen Gia tri hoan lai tai thai diem chem dirt Figp (long bao hiem sau khi trir di cac Khoan ng (neu ca). Trong trutvng hap Hanwha Life Viet Nam chem dirt Hap d6ng bao hiem theo quy dinh tai diem iii) neu ten, Ben mua bao hiem se duvc nhen lei Gia tri tai khoan hap diing sau khi trir di cac Khoan ng (neu

24.4 Thay d6i nghe nghi6p cUa Ngutyi duvc ban hiem

Neu co sy, thay dói ye nghe nghiep cOa Nguti duvc bao hiem, Ben mua bao hiem phai th6ng bac cho Hanwha Life Viet Nam bang van ban trong vOng ba muvi (30) ngay ke tir ngAy c6 sty thay dOi nay.

Trong von g ba mkrai (30) ngay ke ngay Hanwha Life Viet Nam nhen duvc day du hO so' ve viec thay doi nghe nghiep cCia Ngkraidkrac bao hiem, Hanwha Life Viet Nam se quyet dinh:

tip tyc bac) hiem nnirc Chi phi bao hiem rui ro kh6ng di; hoc

tang/giarn Chi phi bao hiem rOi ro. Vic tang hay giarn phi bao hiem se duvc áp dyng ke NA( kY nienn thang hap drig tip theo; hoc

neu nghe nghiep mai dm Ngkrai duvc bac) hiem thuOc Danh sach nghe khOng duvc bao hiem, Quyen Igi bao hiem quy dinh tai Dieu 9, 10, 11,12, 13 va 14 se khong duvc ap dyng.

c) Trong tru,ang hap Ngkrai dircyc bao hiem rnec phai Benh hiem ngheo dOi vai tre em/Bien chirng dai thao dkrang/Benh hiem ngheo giai doan sam/Benh hiem ngheo giai doen muOn sau khi Ngu,61 duvc bao hiem da thay dói nghe nghiep nhung Ben mua bao hiem kh6ng thong bao cho Hanwha Life Viet Nam trong yang ba muvi (30) ngAy ke tir ngay co sy, thay doi, Hanwha Life Viet Nam se:

Giai quyet Quyen Igi bao hiem, neu nghe nghiep mai dm Ngkrai duvc,bao hiem IA nghe nghiep duvc chap nhen bao hiem va khong anh hiking den quyet dinh chap nhen bao hiem hoc khoi phyc hieu Ikrc Hap dong bao hiem cOa Hanwha Life Viet Nam; hoc

Giai quyet Quyen 191 bao hiem vai SO tien bao hiem duvc dieu chinh giam Wang Ong vai Phi bao hiem (55 &rig neu nghe nghiep mài cila Ngu,o'i duvc bao hiem clan den phi bac, hiem phai d6ng cao han phi bao hiem dã d6ng; hoc

TO' chOi giai quyet quyen Igi bao hiem neu nghe nghiep cUa Ngkrai duvc bac) hiem IA nghe nghiep thu6c Danh sach nghe khong duvc bac) hiem.

CHU'O'NG IV — NGHTA vy CUNG CAP VA BAO MAT THoNG TIN COA HANWHA LIFE VIET NAM

Dieu 25: Nghia vu cung cap th6ng tin Oa Hanwha Life Vi6t Nam

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Hanwha Life

Khi giao ket Hgp ding bao him, Hanwha Life Viet Nam c6 trach nhiem cung cap day du th6ng tin lien quan den Hop dOng bao him, giai thich day di) cac dieu kin, dieu khoan bac) him cho Ben mua bao hiem/Ngixeri duvc bao him. Trong truerng hcyp Hanwha Life Viet Nam cO 9 cung cap thOng tin sal sly that nham giao ket Hgp clOng bao hiem thi Ben mua bao hiem CO quyen dan phLrong dinh chi thcrc hien Hop dOng bao hiem; Hanwha Life Viet Nam phai bOi thutong thiet hal phat sinh cho Ben mua bao him do viec cung cap th6ng tin sal sty that. Hanwha Life Viet Nam se cung cap cac thong tin vO Nh6m nghe nghiep, Khoan giam thu nhap du kr, Lai suat Ong bO, SO tien bao hiem tOi thieu, s6 tien rut V& thieu, gia tri tai khoan co' ban tOi thieu, gia tri hoan Ii tOi thieu, so Ian thay dOl SO tien bao hiem trong mOt (01) nam hgp dOng, giài han tam Crng Gia tri tai khaki co' ban tOi thieu va khoan tier' clang m6i In tOi thieu tai COng th6ng tin din tir cCia Hanwha Life Viet Nam hoc trang mpng chinh thirc cia Hanwha Life Viet Nam.

Dieu 26: Nghia vçi bao mat th6ng tin dm Hanwha Life Viet Nam

Hanwha Life Viet Nam kh6ng duvc chuyen giao thong tin ca nhan do Ben mua bao hienn/Ngutei duvc bao hiem cung cap tai Hop dOng bao hienn cho bat kY ben thir ba nao khac, fru, cac truteng hop sau day:

Thu thap, sir dyng, chuyen giao theo yeu cu cüa co' quan nha cO tham quyen hoc cho myc dich thann dinh, tinh toan phi bao hiem, phat hanh hcyp dOng bac) hiem, thu phi bac) hiem, tai bao hiem, trich lap dy, ph6ng nghiep vu, giai quyet chi tra quyen 191 bao hienn, nghien ciru thiet kó san pham, ph6ng chOng tryc Igi bao hiem: nghien dru,,danh gia tinh hinh tai chinh, kha nang thanh toan, min di) day dO von, yeu cau vOn.

Cac trugng hop khac duvc Ben mua bao hiem/Ngirgi duvc bao hiem ding 9 bang van ban, vgi diêu kien:

Ben mua bao hiem/Ngtrgi duvc bao hienn phai duVc thOng bao ye myc dich chuyen giao th6ng tin va duvc quyen Ikra chgn giCra d6ng 9 hoc kh6ng clang 9 vai viec chuyen giao d6; va

Vic Ben mua Joao hiem/NgLegi duvc bao hienn chOi cho phial) chuyen giao thong tin cho ben thir ba ngoai diem a khoan nay khong duvc sir dyng lam 19 do de tit,

chOi giao ket hop dOng.

CHU'O'NG V - PHI BAO HIEM VA CAC CHI PHI LIEN QUAN DEN KIP BONG BAO HIEM

Dieu 27: Phi bao him

27.1 Phi bac) hiem va dinh Icy dOng phi bac) hiem duvc ghi trong Gray chirng nhan bac) hiem hoc cac th6a thuan sCra dOi 1)6 sung (neu c6).

27.2 Trong ba (03) Nam hcyp dOng du Wen, Ben mua bao hiem phai dOng day du Phi bao hiem co' ban theo dinh k9 dOng phi. Trong cac Nam hop dOng tiep theo, Ben mua bao hiem CO the dOng phi bao hiem bat ky lUc nao mien la khoan tien dong moi Ian dap Ong han tOi thieu do Hanwha Life Viet Nam quy dinh.

27.3 Ngoai Phi bao hiem ca ban, Ben mua bac) hiem c6 the linh host Ming them khoan tien duvc g9i la Phi bao hiem dOng them vao bat k9 lOc nao, sau khi Ben mua bao

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Hanwha Life

hiem hoan vAt viOc dOng Phi bao him co' ban cita k9 dOng Phi bao him hien tai. Toan 136 Phi bat) him dOng them se duvc du tu, sau khi trir phi ban du.

27.4 Ben mua bac) him Co the nho, ngu,Oi khac dOng phi bao him thay cho minh.

Dieu 28: Bong them phi bao him

Trong theri gian Hgp d6ng bac) him dang con hieu ly,c, Ben mua bao him c6 the citing them phi bac) him sau khi da d6ng day du Phi bac) him co' ban va phi bao him cua (cac) san pharn bao hiemb6 sung (neu c6) tinh den 1(9 dOng Phi bao hiem hien tai. Toan be Phi bao hiem dong them se duvc phan bó vao Gia tri tai khoan dOng them sau khi trip di khoan Chi phi ban du. Vic &tong them phi bao hienn se kh6ng lam tang SO tin bac, hienn va khoan Phi bao hiem dOng them trong moi Nam hcyp ding kh6ng duvc virgt qua min tai da theo quy dinh cOa Hanwha Life Viet Nam va phial) luet hien hanh.

Dieu 29: PhIpang thCpc phan be Phi bao hiem

Bat 1(9 khoan tin nao Ben mua bao hiem dOng cho Hgp ding bao hiem se phai &Ivo phan 136 theo thing thir tty tyu tien nhu, sau:

Neu khoan ben clang vao du de thanh toan Phi bao hiem co' ban theo dinh kjr, khoan tien nay se duvc thanh toan cho Phi bao hiem co, ban theo dinh kjr nay; sau do Neu khoan tien con lai dO de thanh toan Phi bao hiem b6 sung theo dinh 1(9 dm toan 136 San pham b6 sung dinh kern, khoan tien nay se duvc thanh toan cho toan b6 Phi bao hiem b6 sung theo dinh k9 nay; sau d6 Khoan tien con Iai se phan bO vao Phi bao hiem citing them tai Nam hcyp ding hien tai cho den mirc Phi bao hiem dong them tOi da; sau d6 Khoan tien con Ii se &Ivo hoar% tra cho Ben mua bao hiem. Trong tru,Ong hgp Ben mua bao hiem kh6ng nhen khoan tien c6n lai, khoan tien nay se duvc du,a vao tai khoan cher (khong tinh lei) de thanh toan Phi bao hiem nhu, thip ty, int tien neu tren khi Hgp dOng bao hiem den han dOng phi.

Dieu 30: Gia han thing Phi bao hiem

30.1 Theri gian gia han dOng phi bao hiem la sal.' mt.pai (60) ngay, Krung Ong vai tirng triperng hop nhu, sau:

Trong ba (03) Nam hop citing dau Wen, Thai gian gia han dOng phi bao hiern duvc tinh ngay den han dOng Phi bao hiem ca ban theo dinh 1(9; hoc Sau ba (03) Nam hcyp dOng dau tien, Thol gian gia han 0569 phi bao hiem dircyc tinh khi Gia tri tai khaki hgp dOng trip di cac Khoan ng (neu c6) nh6 hurl hoc bang kh6ng (0).

30.2 Hgp dOng bao hiem van duy tri hieu Icrc trong sulk thoi gian gia han dOng phi bao hiem. Sau khi kat thitc thoi gian gia han clang phi bao hiem, neu Ben mua bao hiem van khong dong phi bac. hiem, Hop dOng bao hiem sé bi mat hieu ly,c ke ngay bat dau thoi gian gia hart dong phi bao hiem. Trong turerng hop c6 sty kin bao hiem xày ra trong thoi gian gia hart clang phi bao hiem, Hanwha Life Viet Nam se tar di cac Khoan ng (neu co) trirac khi thanh toan quyen Igi bao hiem.

Dieu 31: Sip dyng Gia tn tai khaki thing them de dong Phi bao hiem co, ban

Trong ba (03) nem au trail cua Hop dOng bao hiern, trong tru,Ong hop khach hang kh6ng d6ng Phi bao hiern co' ban, vdei diêu kin Gia tri tai khoan dOng them clet dOng mOt 1(9 Phi bao hiem co' ban (theo dinh k9 clang Phi bao hiem ma Ben mua bao

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Hanwha Life

hiem de chon), khi ket thuc Thad gian gia hen dOng Phi bao him, Hanwha Life Viet Nam se dt:Ing Gia tri tai khan clang them a dong k Phi bao hiem ca ban.

Dieu 32: Cac chi phi lien quan den Hop thing bac. hiem

32.1 Chi phi ban du Chi phi ban du se duvc kheu tax tir Phi bao hiem co, ban va Phi bac) hiem dOng them theo tji le nhir bang sau:

Nam phi bao hiem

1 2 3 4-10 11+

A. T9 le ap dung dot vqi Phi bao hiem co' ban

75% 50% 30% 2% 0%

T910 ap dyng dOi vai Phi bac, hiem clang them

10% 8% 6% 2% 0%

32.2 Chi phi bao hiem rill ro Chi phi bao hiem rui ro duvc xac dinh theo tu6i, gieyi tinh, tinh treng sin khOe va nghe nghiep cia Ngutei duvc bao hiem. Chi phi bao hiem rOi ro duvc kheu tar hang thang vac Ngay kji niem thang hqp dOng ti.r Gia tn tai khan co' ban. Chi phi bao hiem rui ro c6 the thay dói sau khi duvc B6 Tai Chinh chep thuen. Trong truteng hryp nay, Hanwha Life Viet Nam se' th6ng bao vai Ben mua bao hiem bang van ban chin muvi (90) ngay truVc khi ap dung.

32.3 Chi phi quan 19 hqp ding Chi phi (wan 19 hqp dOng Se duvc kheu tax hang thang trong m6i nam vao Ngay kj? nieni thang hqp dOng tir Gia tri tai khoan ca ban. Chi phi quan 19 hqp ang sè bang:

Nam 2019 2020 2021 2022 2023 2024 2025 2026

Chi phi quan19

NV dOng

(ithang)

32.000 34.000 36.000 38.000 40.000 42.000 44.000 46.000

Nam 2027 2028 2029 2030 2031 2032 2033+

Chi phi quan 19

hqP dOng

(ithang)

48.000 50.000 52.000 54.000 56.000 58.000 60.000

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Hanwha Life

Neu c6 thay dOi, Hanwha Life Viet Nam se thong bao cho Ben mua bao him bang van ban chin muvi (90) ngay tru,ac khi áp dung.

32.4 Chi phi quail ly quji Chi phi quan l qu9 se duvc kheu trO, tuft khi Hanwha Life Viet Nam cong IDO min lai suat ma Ben mua bac) him duvc hulang. Chi phi quan l qu9 toi da la 2%/nam tinh ten Gia trl tai khan hap dOng. Chi phi quan ly quji Co the duvc thay dOi sau khi duvc BO Tai Chinh ch5p thuen. Trong tru,ang hap nay, Hanwha Life Viet Nam se thong bao cho Ben mua bao him bang van ban chin MLY01 (90) ngay tru,ac khi ap dung.

32.5 Chi phi chem dirt hcop ding tuft thol han

Chi phi chem &Pt hap dOng taxac thai han duvc áp dung theo t9 le trong bang sau:

Nam phi bac) him

1_3 4 5 6 7 8+

T9 le ap dung doi vai Phi bao him ca ban dm mOt (01) n'am

100% 80% 60% 40% 20% 0%

T9 le ap dung doi vai Phi ba,o him dOng them

0% 0% 0% 0% 0% 0%

32.6 Chi phi rid tin Gia tri tai khan hryp dOng

Chi phi rid tin tir Gia tri tai khan co' ban se bang s6 Ian han giCra: 100.000 (m6t tram ngan) d6ng hag hai phan tram (2%) s6 ten rOt Gia tri tai khan co' ban.

Chi phi rut tin to, Gia tri tai khan clang them se bang: kh6ng phan tram (0%) s6 tin rut tO, Gia tri t5i khan (long them.

CHU'O'NG VI- QUI? LIEN KET CHUNG VA GIA TAI KHOAN HO'P DONG

Dieu 33: Thong tin ye Float dOng cUa Quji lien ket chung

33.1 Hanwha Life Viet Nam cam ket thy,c hien chinh sach du tu, then tong bang viec

tep trung du tu, ch0 yau vac) cac tai sari c6 thu nhep On dinh nhu, trai phieu chinh phO, trai phieu dO thi, trai phieu doanh nghiep va tien ng5n hang.

33.2 Trong yang chin muvi (90) ngay ke tip ngay Wet th0c n5m tai chinh, Hanwha Life Viet Nam s6 th6ng bao b5ng van ban den Ben mua bao hiem thong tin ve tinh hinh

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Hanwha Life

tai chinh cCia Qu9 lien ket chung va chi tit ye quyen Igi du tu, ma Ben mua bao him duvc Wong.

Dieu 34: Gia tri tai khoan 11813 ding va phmeng phi!) xac dinh Läi suAt c8ng 136

34.1 Gia tri tai khoin co, ban

Gia tri tai khoan co' ban se duvc tinh toan nhu, sau:

a) Vac Ngay hop dOng bao him bat du c6 hieu ly,c, Gia tri tai khoan co' ban bang:

Phi bao him co' ban; Kr di

Chi phi ban du; trO, di

Khan khau tr6, hang thang.

b) Vac m6i Ngay k9 nrem thang ho,p d6ng, Gia tri tai khan co' ban bang:

Gia tri tai khan ca ban vao Ngay k9 niem thang hgp dOng cia thang tuft; cOng

Cac khan Phi bao him co' ban duvc phan b6 tinh Ngay k9 nie'rn thang hgp dOng cua thang tru,ac; Ong

Tien lai theo Lai suet c6ng be) tinh Ngay k9 niem thang hgp dng cCia thang truck; cOng

Quyen Igi duy tri hgp 'Jong (neu c6).

TrO, di cac khan sau: Cac khan rut an Gia tri tai khan co' ban va Chi phi nit tin Gia tri tai khan co' ban tuvng 6,ng (nu CO) phat sinh ke Ngay k9 niOm thang dOng caa thang tuft; va

Khoan khau Kr hang thang. c) Vao bat k9 ngay nao khac trong thang, Gia tri tai khan co' ban bang:

Gia tri tai khan co' ban vac Ngay k9 niem thang hop dOng cOa thang tuft; cOng

Cac khoan Phi bao him duvc phan b6 tinh tCr Ngay k9 niem thang hgp dOng c6a thang tuft; c6ng

Tien lai theo Lai suat cOng be) tinh Ngay k9 niem thang hgp dOng c6a thang tuft. Tr6, di cac khan sau: Cac khan rUt tien tCr Gia tri tai khan co' ban va Chi phi Kit tier) t6, Gia tri tai khan

cry ban tuvng 6,ng (nu co) phat sinh k tir Ngay k9 niem thang hgp ding cOa thang truVc.

34.2 Gia tri tai khoan clang them

Gia tri tai khoan dOng them se duvc tinh toan nhu, sau:

a) Vac) Ngay hgp d6ng bac) him bat du c6 hieu ly,c, Gia tri tai khoan clang them bang: Phi bao him dong them; Kr di

Chi phi ban dau. b) Vao m6i Ngay k niem thang hgp d6ng, Gia tri tai khoan dOng them bang:

Gia tri tai khan dong them vac) Ngay k9 niem thang hgp dOng cua thang tuft; cOng Cac khan Phi bac him thing them duvc phan be) tinh Ngay k9 niern thang hgp dOng c6a thang tuft; cOng

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Hanwha Lire

Tien lai theo Lai suet con be tinh tO, Ngay k9 niem tang hap deng cCia tang trtyac. TrO, di cac khoan sau: Cac khoan rut tin Gia tri tai khan dOng them (neu c6) pat sinh ke NA/ k9 niern tang hap clang cua tang trutrc; Ong Khoan kau fru, hang thang (trong truteng hap Gia tri tai khoan ca ban kheng du).

c) Vao bet k9 ngay nao khac trong tang, Gia tri tai khan dOng them brig: Gia tri tai khan dOng them vao Ngay k9 niern tang hap citing dm tang tuft; Ong Cac khoan Phi bao him &vac pan be tinh tO, Ngay k niem tang hap ding cua tang tru,ac; Ong Tien 15i theo Lei suet cong be tinh tCr Ngay k9 niem tang hap deng cCia tang tru,6c. Trir di cac khoan sau: Cac khan rut tin tCr Gia tri tai khan dOng them trang Crng (neu co) pat sinh ke tü Ngay k9 niern tang hap dng dia tang triyac.

34.3 Phtrang phap xac dinh Lai suet cong 136 Theo dinh ky hang tang, Hanwha Life Viet Nam se at-1h gia trien vung du tu, ccia Qu9 lien ket chung can dr vac) tinh hinh hopt Ong au tu, tren cac thi twang tai chinh d dy, bao t9 suet Igi nhuen du tu kien cue Qu9 trong theri gian sap tai.

Chi phi hoat Ong du tu, bao g6m cac chi phi du tu, try,c tie') lien quan den viec giao dich tai san cüa Qu9, chi phi ng5n hang, chi phi m6i giai, chi phi lull k9, chi phi dinh gi5 tai san, va cac chi phi khac chi tra cho ben thtl, ba. Dkra tren dkr báo t9 suet Igi nhuen au tt.r dly kien nhty neu tren, sau khi giO, lpi Chi phi quart 19 qu9, Hanwha Life Viet Nam se thong bao mirc Lai suet cong be áp dung cho Gia tri tai khan hap Ong. Mirc Lai suet citing be tinh tren Gia tri tai khan hgp Ming se &vac ap dung tit, thol diem c6ng be cho den khi Hanwha Life Viet Nam cong be met lai suet khac. Sau khi ket thCic m8i nam tai chinh, Hanwha Life Viet Nam se d5nh gia lai ket qua hoat Ong cua Qu9 lien ket chung trong narn viva qua. Neu hopt Ong d5u tt.r cita Qu9 lien ket chung dat ket qua tOt hurl dy, kien, tirc IA lai suet cong be tap han ket qua thkrc te, Hanwha Life Viet Nam se chi traphan lâi suet chenh loch nay \do Gia tri tai khoan hap deng trong narn tai chinh tiep theo, sau khi trCr di cac chi phi lien quan (neu c6). Trong twang hgp hoot Ong du tir cua Qu9 lien ket chung at ket qua tap han dkr kien, tirc IA Lai suet cOng be cao han ket qua du tu, thkrc to, Gia td tai khan hgp thing cOa Ben mua bao hiem yen dirge nguyen theo mirc Lai suet cong be ma Hanwha Life Viet Nam dã áp dung. Ket qua d5u tu, thkrc te duvc xac dinh ang tong thu nh5p pat sinh tCY du tu, tai san cita Qu9 cho chi phi hot Ong du tu,. Thu nhep au tu, ciia Qu9 duvc xac dinh bang tong cac khoan lai dOu tu, nhen duvc va cac khan lai hoc 16 phat sinh

viec mua ban tAi san caa qu9.

CHUO'NG VII- GIAI QUYET QUYEN LYI BAO HIEM

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Hanwha Life

Dieu 35: Ngu,61 nhan quyen lqi bao hiem

Hanwha Life Viet Nam se chi tra quyen 191 bao him theo thir ty, tyu tien sau:

35.1 Trong trikeng hap Nveyi duvc bao him vong:

(NhOng) Ngutei thy huiang

Ben mua bao him (NhOng) Ngtraei thira ke hcyp phap cia Nwevi &vac bao him.

35.2 Trong cac tnyo'ng hqp khac:

Ben mua Joao him (Wang) Ngudei thy hudeng

(Nha Nguifyi thira ke hap phap dm Ben mua bao him.

Dieu 36: Thu tyc giai quyet quyen Içi bao him

36.1 Khi Hqp ding bao hiem dao han

Ngu,61 nhan quyen bao hiem, bang chi phi ctia minh, phial cung cep cho Hanwha Life Viet Nam cac grey to' sau: Gray yeu cu chi tra quyen Igi bao him theo mu ccia Hanwha Life Viet Nam dã duvc din day d va chinh xac; va Ban gOc Hap clang bao him, cac thea thuan sCra dal 136 sung va cac tai lieu dinh kern khac (nu c6).

Cac giey chi:mg nninh quyen cluvc nhen quyen 191 bao him nhix: chirng minh nhan dan/h0 chieu, giey Oy quyen hoc cac gray teY hap le khac.

36.2 Khi Ngu,61 dime bac hiem vong Ngtroi nhan quyen lai bac) him, bang chi phi cua minh, phai cung cep cho Hanwha Life Viet Nam cac grey ter sau (thy *rig tny6ng hap):

1. Giay yeu cu giai quyet quyen lqi bac him tnyong hqp tCv vong din th6ng tin clay du va chinh xac (theo mu cIa Hanwha Life Viet Nam)

2. Ban gOc Hap clang bao him, cac thoa thuan be sung va cac tai lieu dinh kern khac (nu ca);

3. Ban sao CO thing thy,c giay chirng giay bao tig (nu c6)

4. Ban sao so hO kheu gia dinh c6 thong tin khai Ngueri duvc bao him

5. Chirng nu tir vono do Tai nan: 5.1 HO so' vy Tai nn do cong an c6 tham quyen thiet lep:

Bien ban kharn nghiem hien truteng & So' clO hien truteng vu Tai nn

Bien ban giai quyet Tai nn Bien ban ket luen dieu tra Bien ban kham nghiem tir thi (nu tir vong tpi chii)/Bien ban ban giao thi

5.2 Trong truteng hap khong CO cong an c6 tham quyen lep hO so' vy Tai nan: Tu,Ong trinh chi tiet ye Tai nn dan den tir vong, c6 xac nhan nguyen nhan vong cija cong an cep guan/huyen tree len. 5.3 HO so y te the hien viec dieu tri sau Tai nn nu c6 vao vin (ban sao benh an/ torn tat benh an/giay ra vin).

6. Chimg tir nu vong do benh:

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Hanwha Ure

6.1 Gigy ra vin, gigy chuyen vin (nu co), gigy cht:mg nhan phgu thuat, ban sao benh an/tOm tat benh an 6.2 SO kham benh (nu CO), ban sao cac ket qua xet nghiem, bang ke chi phi kham chl-ra benh

Xac nhan ngutei giám hO/dai din hop phap (trutmg hop ngutei thy huteng la tre erningutyi At n5ng Ityc hanh vi dan siy)

Ban sao chug-1g minh nhan dan/the can cvot/hO chieu cüa ngutei di dirt hop phap (neu co)

Di chtic/xac nhan hang thira ke co Oy quy'en (truteng hop Hgp dOng bao hiern khong c6 ngugi thy hutmg hoc Ben mua bao him d5 vong)

Gigy Oy quyen cho Citing ty (theo mu cüa Hanwha Life Viet Nam).

36.3 Khi Ngu,61 duvc bao him bi ThLrang tat toan ba va vinh vin

Ngu,61 nhan quyen Igi bac him, bang chi phi dm minh, phai cung cp cho Hanwha Life Viet Nam cac gigy sau (thy tivng truteng hgp):

Gigy yeu cu giai quyet quy6n 191 bao hienn trutmg hop Thiyang tat toan b0 va vinh vin din th6ng tin day du va chinh xac (theo mgt.' cOa Hanwha Life Viet Nam) Ban gOc Hop Ming bao hiern, cac thoa thuanb0 sung va cac tai lieu dinh kern khac (neu co) Chang nhan thuteng tat toan b0 va vinh vin cp boi HOi Ming giam dinh y khoa cp tinh (trutmg hop Thiyang tat toanb0 va vinh vin) thy,c hien sau 6 thang nhumg khang qua 12 thang ke tip ngay duvc cher' doan thvang tat.

HO vy Tai nan gay ra Thuteng tat toan b0 va vinh vin

4.1. Bien ban kharn nghiem hien trutmg & dO hien trutmg vy Tai nan

4.2. Bien ban giai quyet Tai nan, bien ban Om dinh phap y (neu c6)

4.3. Bien ban ket luan digu tra Gigy ra vin, gi6y chuyen vin (nu c6), 9i6y chumg nhan phgu thuat, ban sao benh an/tam tat benh an do Benh vin cp (neu c6) SO kharn benh, ban sao cac ket qua xet nghiem, Bang ke chi phi kharn chira benh.

Ban sao the bao hiern y 0 (neu cO) Xac nhan ngutei giam 11/di din hop phap (trutyng hop ngutri thy hutmg IA tit erningutyi At nang hanh vi dan sky) Ban sao ChOmg minh nhan dan/the can cutyc/h0 chieu cOa Ngutti dai din hop phap (nu c6)

10.Gigy üy quyen cho Cong ty (theo mu cta Hanwha Life Viet Nam).

36.4 Khi NgLrivi dirqc bao hiem bi Banh him ngheo dOi voi tre em, Bien chirng dai tháo duteng Banh him ngheo giai don adorn, hoc Banh him ngheo giai doan moan Ngutei nhan quyen Igi bao him, bang chi phi dm minh, phai cung cp cho Hanwha Life Viet Warn cac grAy ter sau (thy tErng truteng hop):

Gigy yeu cu giai quyet quyk Igi bac hiem dien thong tin day (10 va chinh xac (theo mu cOa Hanwha Life Viet Nam)

Ban Tic Hop ding bao hiem, cac thOa thuan 130 sung va cac tai lieu dinh kern khac (neu c6)

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Hanwha Life

Giey xac nhen tinh tang thirang tat/benh cüa Ngireri duvc bac, him do ca quan c6 them quyen cap (nu c6). - Neu Ngirtri duvc bao hiem bi het hoan toan thi viec xac nhan phai duvc thkrc hien sau sau (06) thang nhung khong qua mt.rai hai (12) thang ke ngay xay ra Tai nan hoc ngay tinh tang lit nay duvc chart doan. - Neu Ngt.rai duvc bac him bi met hoan toan tay hoc chart hoc mat, viec xac nhen nay CO the thkrc hien vao bat kjr theri diem nao.

Bien ban Tai Bien ban Om dinh phap y (nu ca)

Grey ra vin, Giey chuyen vin (neu c6), Giay chirng nhan phgu that, Ban sao benh an/tom tat benh an co chen doan benh him nghbo do Benh vin cep (neu c6)

Se kharn benh, ban sao cac ket qua xet nghiem, Bang Ice chi phi kharn chira benh.

Ban sao the bao hiem y te (Neu co)

Xac nhan ngueri giam h6/dai din hap phap (truVng hap ngt.rai thy hudeng la tie am/rival met nang Ityc hanh vi dan sty)

Ban sao Chirng minh nhan dan/The can cirac/H6 chieu cüa Ngirai dai din hap phap (nu co)

10.Giey Cly quyen cho Cong ty (theo mu c)a Hanwha Life Viet Nam).

36.5 Thad flan Op he so, you cu giai quyet quyen lqi bao hiem

Thol han yeu cu giai quyet quyen lai bao him là wad hai (12) thang ke tir ngay xay ra sty kien bao him. Thai gian xay ra sty kien bet kha khang hoc tra ngai khach quan khac kh6ng tinh vao theri hart yeu cu giai quyet quyen Icy' bao him. Trong truang hap Ngt.rai nhen quyen lqi bac him chryng minh duvc rang Ngt.rai nhan quyen lai bac him khong biet thai diem xay ra sty kin bao hiem, thai hart yeu cu gyai quyet quyen lci bao hiem IA rnt.rai hai (12) thang tinh ngay Ngt.rai nhan quyen lqi bao hiem biet viec xay ra skr kin bao hiem do.

Dieu 37: Thoq han va phuvng thin chi VS quyen bao hiem

37.1 TWA hn giai quyet quyen kyi bao hiem

Thai han chi tra quyen lai bao hiem IA ba (301 ngay ke ngay Hanwha Life Viet Nam nhen duvc he so' yeu cu giai quyet quyen lai bao hiem day du va hap le. Neu qua theri han tren, dei vai cac he so' duvc chap than chi tra quyen lqi bac hiem, Hanwha Life Viet Nam se phai tra them la' theo lai suât ca ban do Ngan hang Nha mac Viet Nam quy dinh tai thai diem chi tra.

37.2 Phtrong thin chi VA quyen lqi bao hiem: Quyen lai bao hiem se duvc chi tra bang tien Deng Viet Nam diyai hinh thCrc chuyen khoan hoc theo hinh thCrc th6a thuan khac giCra Hanwha Life Viet Nam vii Ngt.rai nhen quyen lai bac hiem.

CHU'O'NG viii- CAC DIEU KHOAN KHAC

Dieu 38: KO khai nhem tuig va gi&i tinh cua Ngu,61 duvc bao hiem

Trirang hap nhern Ign khi ke khai ngay sinh hoc giai tinh dm NgLrai duvc bao hien thi co the dieu chinh theo cac nguyen tac sau:

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Hanwha Life

Neu viec kê khai nham tuói va/hoac giYi tinh clan den Chi phi bac him rui ro phai khau trir Ian han Chi phi bao him rui ro dã khau trip, Hanwha Life Viet Nam se dieu chinh Chi phi bao him rd ro ctra tren dQ tuOi vaihoac tinh dOng. Ben mua bao hiern phai dOng them khoan Chi phi bac him rd ro chenh lech con thieu, ngoai ra SO tien bac) him cOng se duvc dieu chinh giàm trang irng theo Phi bao him ca ban da dOng cda tuOi va/hoac giài tinh dung. Neu viec kê khai nham tuói vaihoec giài tinh an den Chi phi bac) him r0i ro phai khau tri:r it Ilan Chi phi bao him rui ro da khau trip, Hanwha Life Viet Nam se tra lai phan Chi phi bao him rai ro da khau trir vuvt qua (khong tinh lai) cho Ben mua bac) him, ngoai ra Phi bac, him co' ban cling se duvc dieu chinh gram theo tuei va/haac tinh trang (mg vai SO tin bac) hiem. Neu tuOi dung cOa Ngutti duvc bao him khong thuac nh6m tuOi c6 the duvc chap nhan bao hiem theo Quy tac va Dieu khoan cOa Hgp Tong bao hiem nay, thi Hanwha Life Viet Nam co quyen hOy b6 Hap dOng bao him va hoan Ii tong Phi bao hiem cid dog (kh6ng tinh lai) sau khi dã khau trip cac khoan tam (mg tir Gia tri tai khoan hap deng (khong tinhlai), cac khoan rOt tien Gia tri tai khoan hap dng (khong tinh chi phi riit ben).

Dieu 39: Dieu khoan mien truy xet

39.1 Cac thong tin Ben mua bao hiern ke khai khong chinh xac hoc b6 sat trong HO so' yeu cat.] bao hiem, yeu cap khoi phgc hap dOng hoc cac giay ta lien quan Se kh6ng bi truy xet sau khi FIctp d6ng bac) hiem da c6 hieu trc dci hai (02) narn ke Ngay hgp dOng bao hiern bat du c6 hieu trc hoc tir ngay kh6i phyc hieu trc gen nhat dm Hap thing bao hiem, tOy twang hap nao )(ay ra sau.

39.2 Tuy nhien, quy dinh 0' Diu 39.1 ten day se kh6ng dirgc áp dyng trong cac twang hap sau: Ke khai nham tuOi va/hoac giai tinh c6a Ngirai cluvc bao hiem; Ben mua bao hiem cOL9 cung cap, ke khai khong trung thvc vol (cac) thong tin ma neu duvc cung cap dung va day da, Hanwha Life Viet Nam d5 khong chap nhan bao hiem hoc khOng chap nhan khoi phyc hieu ly,c Hap dOng bao hiem.

Dieu 40: Chain &Ft hiau ityc Hp,p clang ban hiem

Hap dOng bac, hiem se cham dirt hieu Ityc ke thai diem nri6t trong cac twang hap sau )(ay ra: Nguai duvc bao hiem tir vong; hoc Khi quyen Igi Thlyang tat toan b6 va vinh vier' duvc Hanwha Life Viet Nam dOng chi tra; hoc Vao Ngay dao han Hgp dOng bac) hiem; hoc Hgp dOng bac hiem cid mat hieulvc han hai mucti bon (24) thang; hoc Hgp dOng bao hiem duvc cham dirt hieu ly,c trtrac theri han theo yeu cu dia Ben mua bao hiem; hoc Khi Hgp dOng bao hiem bi cham dirt do nhirrng nguyen nhan khac duvc quy dinh Dieu 22.5, 23.3, 24.1 hoc 24.3; hoc Cac twang hgp khac theo quy dinh cCia phap lust.

Dieu 41: Giai gullet tranh chap

41.1 Twang hap xay ra tranh chap lien quan den Hap dOng bao hiem neu kh6ng the giai quyet dc bang thu,ang trang hoc hoa giai, thi m6t trong cac ben c6 the

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Hanwha Life

kien ra tea an tai nai Hanwha Life Viet Nam co tru so' chinh hoec nal Ben mua bac him cu, tru ho'p phap de giai quyet.

41.2 Thai hieu kheri kin ve Hap ding bac him la ba (03) nam ke tu, thai diem phat sinh tranh chep.

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Hanw Ufe

pHy Luc I

DANH MVC BENH HIEM NGHEO eei ven TRE EM

Hanwha Life Vial Nam bao va mOt (11) Banh him ngheo dOi vài tre em theo danh sach sau:

Banh dai thao du,O,ng phy thu6c insulin tuyp 1

Banh dal thao &rang phy thuOc insulin dc trung Mei sty phy thuOc lien tyc vao insulin ngogi sinh de duy tri skr song khi duvc chan doan bai Bac si chuyen khoa nOi tiet duvc chap nhan C6ng ty.

Can c6 chirrig dieu tri insulin ngoai sinh trong khoang thai gian it nhat sau (06) thang a xem xet giai quyet quyen lqi bac) him.

Logi tiff' bao hiern cl6i Banh dai thao &rang tujip 2

Banh Kawasaki Nrifyi cac bier' chi:mg tim mach

Chan doan xac dinh banh Kawasaki phai duvc thkrc hian bai Bac si chuyen khoa Nhi va Uri Bac ST chuyen khoa Tim mach nhi vai tinh twig sOt han bOn (04) ngay va c6 It nhat bon (04) trong so cac du hiau sau:

Viern ket mac met hai ben Thay khoang miang (ban do & nnoi hay hat,' miang, Ikred dau tay, hay nCrt m6i) Thay dOi du chi (phi), ban do, bong talc vay quanh nnOng hoc toan the) Ban do da clang Hach cO to.

Ngoai ra, Ngt.rtri duvc bao him phai duvc chi dinh dieu td chi) yeu bang Salicylate va Gamnnaglobulins &rang tinh mach. Chan doan banh Kawasaki phai duvc h8 to xet nghiam va cac khao sat khac thich hop. Phai c6 dau chirng slot.' am tim lien quan den tim mach cho thay CO tOn thkrang glen hay phinh (Ring mach vanh va tinh tang tOn thkrang dal phai keo dai it nhat sau (06) thang sau dat banh cep du flan.

Viern khO,p man tinh h thOng 6, tre em (Benh Still)

La mOt the banh viern khap man tinh tre em dc trumq sOt cao và cac dau hiau banh ha thong co the ton tai hang thang trt.rac khi c6 bieu hian viem khap.

Tinh tang dc trkrng Uri cac bleu hian bao g6m: sOt cao dao Ong hang ngay, ban do mau bay, viem khap, lach to, hach to, viern thanh mac, skit can.

Xet nghiam mau tang bach ceu da nhan trung tinh, tang protein phan Crng cep (APPs); kat qua xet nghienn khang the khang nhan (ANA) va yeu tO clang thap (RF) am tinh.

Banh phai duvc chan doan xac dinh bai Bac si chuyen khoa Khap nhi va tinh trang nay phai duvc ghi nhan trong it nhat sau (06) thang.

13'enh tay chan miang voi hien chi:mg Ong (De d9a tinh mang)

La hi chOng nhienn sieu vi ket hap phat ban da - niem mac gay ra Uri Coxsackie Al 6 va Enterovirus 71. Vai san pham bao hiem nay, chi co banh tay char) miang min

nang ket hap veri viern nao va/hoac viern ca tim nang duvc xenn xet.

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Hanwha Life

Chan doan phai duvc h6 tiv bevi Wet qua phan lap virus duvng tinh cung v6,i du chirng cua vienn nao va/hoc viem co' tim. Yeu cat.' giai quyet quyen lci bao him phai duvc nep kern veri cleu chirng tOn thuvng than kinh y theri diem it nhat ba muvi (30) ngay sau chan doan.

Sa sut tri tu0 do bOnh hoc do Tai n4n

La tinh trang ma kha n5ng tri tuecOa Ngutei duvc bao him 0, dual mCrc trung binh, khuyet tat tam than hoc rOi loan h9c tap do nguyen nhan dec lap va try,c tip tir Tai nan/benh va duvc xac dinh beei be tieu chuan danh gia tam than kinh Nhi khoa.

Quyen lçi bao hienn se duvc chi tra nu Ngu,tei duvc bao him tip ben (04) tuOi tree len va benh/Tai nan gay ra min de khuyet tat tam than tuvng duvng vol IQ direri 70. Ngoai ra, tinh tang nay phai keo dai lien tyc trong it nhat la sau (06) thang ke tir sau chan doan. Lopi &Cr bao him trong twang hop: sa sut tri tue do lam dyng chat gay nghien.

s6t thAp khop co Wen chirrig van tim

Berth duvc chan doan xac dinh beei Bac Si chuyen khoa Nhi (duvc chap thuan Hanwha Life Viet Nam) dt,ra theo tieu chuan Jones cai bien. Benh phial clan den ton thuvng met (01) hoc nhieu van tim va ho' van tir mirc de trung binh tree len do benh sOt thap khevp gay ra, duvc khang dinh bang nhill,ng khao sat dinh luvng mirc dO her van Uri Bac Si chuyen khoa Tim mach duvc chap thuan beei Hanwha Life Viet Nam.

I34nh Wilson

La tinh tang rOi loan chuyen h6a dOng c6 kha nang gay vong dc trungbeei benh gan tien then va/hoc sly suy giam chCvc nang than kinh do tich ty Chan doan phai duvc xac dinh beei Bac el' chuyen khoa va viec dieu tn veri chat thai dOng phai duvc ghi nhan trong it nhat sau (06) thang.

Slit xuAt huyet Dengue

Quyen161 bao him chi duvc tra dOi v61 Sot xuet huyet Dengue de 3 hoc de 4 dirgc phan lopi theo TO chirc Y te The gide', c6 dau chCvng r6 rang dm hei chirng sec Dengue va xac dinh nhiem Dengue vdti ket qua xet nghienn huyet thanh Dengue &rang tinh. Benh phai c6 tet ca cac cieu hieu sau:

SOt cao lien tyc tir hai (02) ngay tree len; Dau hieu xuet huyet (do IA: nghiem phap day that throng tinh, chann xuet huyet, dOm xuet huyet, mang xuet huyet; chay nnau niem mac, diro'ng tiou h6a, vj tri tiem chich hoc cac vi tri khac, hoc non ra mau, hoc di cau phan den); Giam tieu cu (<100.000/mm3); Dau chirng thoat huyet tuvng (do la: tran dich mang ph6i, tran dich mang byng hoc giam protein mau...); va Dau chi:mg suy tun hoan, bleu hien bet Hp huyet áp (huyet áp tam thu<80 mmHg) hoc huyet ap kep (hieu sO giCra huyet ap tam thu va huyet tip tam truvng <20mnnHg) Dau chCrng ve tutei mau me nhu,: da lanh, thieu nieu, hoc nhrem toan chuyen h6a.

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Hanwha Life

9. Hi chivng West

Chan doan hi chirng West phai duvc xac dinh beri Bac si chuyen khoa Than kinh nhi vi bang chCrng Ong kinh tai phat; roi loan song cham ten din nao d6 (EEG) ya cham phat then tam than.

Quyen bao hierin së duvc chi tra nu Ngt.rai duvc bao him tir bOn (04) tuOi trde len ya CO du chirng chirng minh Hai chirng West la nguyen nhan trkrc tap dan den khiem khuyet ye tri tua gay ra rriCrc da khuyet tat tam than tirang &rang yoi IQ dithi 70.

10. Hi chivng thin hu, nOng tái phat

ChAn doan xac dinh Hai chirng than hu, doi hOi phai dap Crng tat ca cac dieu kin sau:

a Phil do mat protein qua than; b Albumin mau < 25g/I; ya c Protein niau > 150 mg/m2/gier (> 3,6 g/m2/ngay).

Phai c6 it nhat bon (04) dad tai phat Hai chCrng than nang yol day di cac drat.' kian (a), (b) va (c) neu trail xay ra trong yang mirai hai (12) thang k Kr dal FICA chi:mg than hu, nang ban du ya doi hoi diu tri lien tkic it nhat sau (06) thang.

11. Bich hitt he hAp

Chan doan xac dinh nhiam trkrc khuan bpch hau (Corynebacterium diphtherias) phai duvc thkrc hian Uri Bac si chuyen khoa Nhi.

Quyen bao him se duvc chi tra nu Ngutvi duvc Pao him mkbOnh bpch hau ha hap gay ra viern co tim nang hoc ton thirang than kinh nang clan On mAt kha nang sir dung it nhat hai chi. Ngoai ra, tinh tang nay phai tOn tai it nhat trong sau (06) thang.

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Hanwha Life

PHV LVC II

BIEN CHONG BENH BAI THAO DIMNG Hanwha Life Viet Nam bao ve hai (02) bin chCrng benh dai thao du,Ong theo danh sach sau:

Doan chi do hien ch&ng ctia dal thao duhfyng

La tinh tang cat cut caa met (01) ban chan, &Tic Ur-1h tO, met Ca chan trer len, de dieu tri hoai thu, do bin chirng cua benh dai thao direrng.

Chen doan phai du,cyc xac dinh bed Bac si chuyen khoa Ni Wet.

Bnh yang mac dai that:, du,Ceng

Benh veng mpc dai thao &Peng la ntang bet thu,erng tier, trien trong mach mau yang mac gay ra do benh dai thao dutTig. Chen doan xac dinh V6ng mac dal thao duteng dOi hôi phai dap Ong t6t cá cac dieu kien sau:

Dang bi dai thao dixerng tai thoi diem chen doan benh yang mac dai thao du,o'ng; Thi ltyc ca hai (02) met IA 6/18 hoc te hurl theo bieu de m6t Snellen; Trai qua dieu tri thu,c sty nhu, dieu tri bang laser a lam cai thin thi lu,c; va Chen doan V6ng mac dai thao threyng, chen doan min de nang cua suy giàm thi kyc va SL.I' cAn thiet dieu tri y khoa phai duvc xac dinh Uri Bac si Nhan khoa.

•

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Hanwha Life

PHI) LYC III

DANH MUG BENH HIEM NGHEO GIAI DON So'M

Hanwha Life Viet Nam bao ye ba mu,ai hai (32) Benh hiem ngheo giai dopn sem theo danh sach sau:

1. Ung thu, bleu rne ti ch6

Ung thu, bleu mo tai ch6 cua ntang vi tri sau: vu, ta, cung, bueng vol trOng,

am he, am dpo, cO tCr cung, di tang, try,c tang, &rang vet, tinh hoan, ph6i, gan, dp day, mai heu.

Ung thu, Neu nno tai ch6 là sty tang trixOng khu tru kh6ng kienn soat caa cac te

bao ung thu, bieu mo glad han tai m6 ban du, chin xam len vaihoec pha hay m6 lanh xung quanh. "Xam len" la ski, xam nhep va/hoec pha hay to chirc m6 lanh \AM

qua 16'p mang day.

Vic chen doan ung thu, bleu mo tai ch8 phai Won dirric xac nhan bang ket qua m6 benh hoc, dkra ten viec xem xet ten kinh hien vi caa nno sinh thiet d5 duvc cO dinh.

Loot trer bao him trong cac twang hop sau:

Chen doan lam sang ma kh6ng CO xac nhen bi ket qua mo benh hoc;

U tan sinh trong bieu mo cO cung (CIN) bao gOm CIN I, CIN It va CIN III (nghich

san neng kh6ng phai ung thu, ti ch6);

Ung thu, Neu m6 tai ch8 cüa he du,deng met.

2. Ung thu, giai doan son & mOt sO co, quan

Ung thu, giai don sam la sty xuAt hien caa met (01) trong nhOng tinh tang sau:

Ung thu, tuyen tier) lit duvc phan loai m6 benh h9c T1NOMO theo phan loai TNM;

Ung thu, tuyen giáp duvc phan loi mo benh hoc T1NOMO theo phan loai TNM; Benh bach cu lynnpho man (CLL) phan loai giai dopn I, II theo He theng RAI; hoc Ung thu, bang quang &Tic phan loai mo benh h9c TaNOMO theo phan loai TNM.

Vic chen doan ung thu, giai don sem phai dya ten viec xem xet tren kinh hien vi cua m6 sinh thiet dä duvc c6 dinh. Lo@i triP bao him trong twang hop: then doan lam sang ma kh6ng c6 xac nhen bol ket qua nno benh hpc.

3. Phu thuet cgt be mOt ben than

LA phgu thuat cet be) hoar' toan met (01) then do benh hoc Tai nan.

Chi dinh pheu thuet cet bo then phai dwyc xac nhen la tuyet dOi cAn thiet beri Bac si chuyen khoa trong tinh vcrc lien quan.

Logi frC, bao hiern trong cac trtrang hop:

Cet bO met (01) phen caa then Hien then.

Gh6p rut non

La viec nhen ghep it nhet met (01) met rut non ding vOi nguOn cung cAp nnau caa doan rut do thong qua pheu thuet mify her 6 bung de dieu tri tinh tang suy chirc nang ruet.

Phu thu4t cgt bó mc)t phOi

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Hanwha Lre

La phau thuet cet be, hoan toan ph& trai hoc ph& phai do benh hoc do Tai nan.

Lopi fru, bao hien.; trong twang hqp: Cat b6 met (01) phan c0a ph6i.

6. PhAu thuAt gan

Là phau thuet cat b6 it nhat toan be met (01) thuy gan do benh hoc Tai nan.

Lopi triP bao hiem trong cac trvang hop:

Sinh thiet gan Hien gan.

Phu thuAt tái to du,O,ng mAt

LA phau thuet nOi Ong nnet chu-rut a dieu tri benh 19 hoc chan thuvng he themg dirteng met. Phau thuet phai duvc xac nhen IA tuyet dOi can thiet Uri Bac ST chuyen khoa trong linh vkrc lien quan.

Lopi tn.), bao him trong twang hqp: teo met barn sinh.

Ghep giac mac

La tin!) trang nhen ghep toan be nnet (01) giac mac de dieu trj so giac mac kh6ng the hOi phyc gay ra tinh trang giann thi Ikrc ma kh6ng the dieu tri bang phkrung phap khac. Tinh trang nay phai duvc xac nhen b&i Bac sT Nhan khoa.

Xo, gan

Chan doan xac dinh gan dôi hOi phai dap Ong tet ca cac dieu kien sau:

• Chi so do de dan hi gan (Fibroscan) 20 kPa hoc chi sO ho?t tinh m6 hoc (HAI)

theo bang tinh diem Knodell 6; Sieu Am byng cho thy c6 nOt the,' gan, tran dich mang byng va Itch to;

Bilirubin huyet thanh > 2mg/dL; va Albumin huyet thanh < 3,5g/dL.

Chan doan phai duvc xac dinh boi Bac sT chuyen khoa trong linh vkrc lien quan.

Loa/ tn:P bao hiem trong twang hop: )(a gan do lam dyng ruvu hoc thuOc.

10. Thieu mau bat san c6 kha nang hôi phyc

LA tinh .trang suy tQy nrang cep tinh Co kha nang hi phyc gay ra thieu mau, giam bach cau, giann tieu cat.' dOi h6i duvc dieu tn bad it nhat met (01) trong cac phuvng phap sau day: Dieu tri bang thutic kich thich b.:1y trong thOl gian it nhat met (01) thang;

Dieu tri bang thuoc che mien dich trong thoi gian it nhat met (01) thang;

Truyen cac the pham mau; hoc

Ghep

Chan doan phai duvc xac dinh boi Bac ST chuyen khoa trong ITnh vkrc lien quan.

Lopi tn.), bao him trong trueyng hqp: thieu mau bat san gay ra do thu6c.

11. DAt may tao nhip tim

La tinh tang del may tao nhip Vinh An de dieu tri rOi loan nhip tim nghiem tong ma kh6ng the dieu tr. bang phkrang phap khac. Vic dat may tao,nhip t!rn ohai duvc Bac sT chuyen khoa Tim mach chi dinh va xac nhen la tuyet dOi can thiet ye met y khoa.

Vat may khir rung tim

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4.

Hanwha Life

La tinh tang dat,may khir rung tim vinh vin a dieu tri rei loan nhip tim nghiem tong ma khong the diet.' tri duvc bAng phkrang phap khac. Vic Tat may kW, rung tim phai duvc Bac Si" chuyen khoa Tim mach xac nhan la tuyet &Si can thiet ye mat y khoa.

13. Thil thua't tao hinh mach vanh

Thu thuat tao hinh Ong mach vanh bang bang de dieu chinh tinh tang hap (it nhdt 70% long mach) dm mOt (01) hoc nhieu nhanh.chinh cua Ong mach vanh vai tien sir CO bleu chirng giai han haat Ong the chdt/gang sirc.

Tien sir benh ke tren bao gem:

Cac trieu chirng,d6 nghiern tong lam cho Nglyeri &vac bac, hiem phai han che hot dOng the chat/gang sCrc min tei thieu de dir pile:mg can dau th5t ngkrc. CO kien cua Bac si" chuyen khoa xac dinh ski, can thiet han che hot Ong the chat/gang sirc de giarn cac can dau that ngkrc mix de tix trung binh den Ong.

He y te can thiet de yeu cAu chi tra bao hiem bao gem:

CO day du he y to cua Bac si chuyen khoa Tim mach, bao gem nhung kh6ng gide' han Wang trinh thu thuat tao hinh dOng mach vanh bang b6ng Ket qua chyp Ong mach vanh de xac dinh vi tri va nnirc dO hap cCia mat (01) hay nhieu nhanh chinh cua Ong mach vanh.

Nhanh chinh caa Ong mach vanh duvc dinh nghia la than chung Ong mach vanh trdi, nhanh xueng twin trái (nhanh gian thdt trtrac), nhanh m0 va Ong mach vanh

Lopi trfr bao him trong twang hgp: chyp Ong mach vanh chi cho myc dich char%

&dn.

Phau thuat dOng mach chi' xam iOn t61 thieu

Là th6 thuat de sCra chCra phinh, tdc hoc bac tach Ong mach chii, duvc thkrc hien bang cac k thuat xam len fel thieu hoc can thiep nOi mach. Cac ton thkrang ke tren phai duvc xac dinh bang cac k thuat chen doan thich hop và phai duvc xac nhan Bac si chuyen khoa Tim mach. Deng mach chi] &roc hieu la Ong mach chi) ngkrc va dOng mach chtl bung, va khOng bao gem cac nhanh cCia dOng mach chu. Lopi ttir btho hiem trong trwfmg hqp: chyp Ong mach chi cho max dich chAn doan.

To hinh van tim, rach van tim qua da

La tinh trang trai qua MCI thuat tao hinh van tim, rach van tim hoc thay van tim qua th6 thuat can thiep nOi mach hoc xam Ian to' thieu de sera chira cac ten thlyang cCia van tim. Benh duvc chAn doan xac dinh 1361 Bac si chuyen khoa Tim mach diya tren ket qua sieu am tim hoc k thuat cher) doan khac phi:4 hop.

Lopi trey bat) hi6m cl6i vat: cac phkrang phap phdu thuat khac.

PhAu thOt cAt lads mang ngoai tim

La tinh tang trai qua phdu thuat cdt bo mang ngoai tim hay trai qua phAu thuat tim qua nOi soi de dieu tri benh i mang ngoai tim.

Chi dinh phAu thuat nay phai duvc xac nhan la tuyet del can thiet bai Bac si chuyen khoa trong linh vkrc lien quan.

Bat Iwo,' lac tinh mach chu

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Hanwha Lire

Phu thuet det kr& lc tinh mach ch6 cho nhCrng benh nhan sau khi c6 bang cht:rng ghi nhen tInh trang thuyen tac ph6i tai ghat. Phu that nay phai duvc xac nhen la tuyet del can thiet 1)61 Bac sT chuyen khoa trong ITrth Arc lien quan.

18. Tang áp Ong mach phil gial doon stab

Tinh tang tang áp Ong mach ph6i nguyen ghat v&i phl dai that phai do tang áp mach mau, gay ra skr suy giàm hoat dOng the chat Vinh vien It nhat & mirc de III theo Bang phan loai suy tim caa Hip hei Tim mach New York (NYHA). Chan doan phai duvc xac djnh bang th6 thuet th6ng tim eityqc thkrc hien boi Bac Si chuyen khoa Tim mach.

Bang phan loai suy tim cita Hip hei Tim mach New York (NYHA) (Nguen: An ban Ian thir 39 c6a "Current Medical Diagnosis and Treatment"):

DO I: Kh6ng han che hoat Ong the Ikrc. Hoat Ong the Ityc thong thtrerng khong gay

ra met mai, kho th& hoc dau ngcrc. De II: Han che nhq hoat Ong the Ityc. Hoat Ong the Ikrc thOng thlYang gay ra met

mai, kho th& hoc dau ngkrc. DO III: Han che nhieu hoat Ong the Ikrc. Hoat Ong the Ityc &raj min thOng thirerng cOng gay ra met mai, kh6 th& hoc dau ngkrc; khOe khi nghl ngai. DO IV: Bat 1(9 hoat Ong the Ikrc nao ding gay ra met m6i, kh6 th& hoc dau ngtyc. Cac trieu chirng hien din met cach thiy&ng xuyen ngay ca khi nghi ngai.

Phinh to d6ng mach chU kh6ng trieu chirng

Tinh tang phinh to Ong mach ch6 ngkrc hoc Ong mach ch6 bung khong trieu cht:rng duvc xac dinh VA 102 thuet char) doan hinh anh thich hp. Di.r&ng kinh ch6 phinh phai lom han 55mm va phai duvc xac nhen beri Bac sT chuyen khoa trong linh Arc lien quan. Deng mach ch6 duvc hieu la Ong mach chu ngkrcva Ong mach ch6 bung, va khong bao góm cac nhanh cCia Ong mach ch6.

Phiu thuOt dot din lumi nao that

La phau that det den km tip nao that de lam Om áp Ikrc trong dich nao t6y. Chi djnh det den Itiu phai duvc xac nhen la tuyet doi can thiet bad Bac sT chuyen khoa Then kinh.

Phiu thuOt cat be khOi u tuyen yen

LA phAu thuet cat b6 u tuyen yen qua xoang Want

Chan doan phai dkra ten ket qua chyp cat leep vi tInh (CT scan) hoc chyp Ong htr&ng tir (MRI) va bang cht:rng m6 benh hqc.

LOO fret' bao hitim trong trudrig hqp: cat bó u tuyen yen bang phau thuet m& hOp $q.

136nh tay s6ng hoc chin thwang My sang dAn den rai loon chirc nang ru6t va bang quang

Bet ki benh l hoc chan thuvng Ely song gay ra r6i loan Vinh vien va khong phyc h6i chin nang ruet hoc bang quang lam cho Ngutei duvc be° hiern kheong the kiem soat chirc nang ruet hoc bang quang de duy trl mirc de ve sinh ca nhan th6a

R6i loan nay phai Mc) dai it nhat sau (06) thang sau Ian chan doan dau moo 23. Phiu thuOt huyet khOl xoang hang

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et-lent-I-the Life

La phgu thugt clan km hull& kh6i xoang hang. Chan doan huyat kh6i xoang hang va chi dinh phgu thugt clan kru phai dtrqc xac nhgn b6ei Bac sT chuyen khoa linh vqc lien quan.

Viem tOy s6ng do lao

La bgnh viern tOy song do trqc khan lao clan den ton thuang than kinh *vinh vin ice° dai lien tyc It nhgt ba (03) thang. Chan doan phai dkra ten ket qua xet nghigm djch náó tOy qua choc do t6y song va duqc xac nhgn Vri Bac ST chuyen khoa Than kinh.

DOng kinh nOng

-Chan doan xac dinh dOng kinh nang doi_hoi phai dap Crng tet ca cac_dieu kip sau:

argc xac dinh b61 Bac sT chuyen khoa ITnh vqc hen quan dqa ten cac kat qua din nao d6 (EEG), chyp cOng hirenig tir (MRI), chyp xa hinh cet lerp Positron (PET) hoc cac xet nghigm chan doan thfch hqp khac HO so' y to ghi nhgn c6 can Ong kinh co cirng-co gist hoc can Ong kinh toan tha khOng do kfch thfch tai din nhieu han nam (05) can m6i then. Cac can Ong kinh nay dirqc .xác nhgn khang dap Crng vifri cac ligu phap digu trj toi Liu dirqc chOng minh bang xet nghigm nOng di thuoc trong huyat thanh.

Ngveri duqc bao Nam da sir dyng It nhat hai (02) loai thu6c chOng Ong kinh (chang co gigt) trong theri gian lien tyc it nhat sau (06) thang theo dan thapc chi djnh cOa Bac sT chuyen khoa linh vqc lien quan.

26. 13§nh Parkinson mi:pc dc) Ong

LA bgnh thoai hoa hg than kinh trung yang do thieu hyt te bao than kinh sgc to ca nao. Bgnh phai dirqc chan doan bol Bac sT chuyen khoa linh vqc lien quan va phai dap (mg tet ca tieu chan sau:

Nveri duvc bao hiem ft" dirqc dieu trj It nhat sau (06) thang ma kh6ng cai thign. Mat kha nang thqc hign hai (02) trong sau (06) chin nang sinh hoat hang ngay ma khan Co sq h6 trq ngtre/i khac. Tinh tang nay phai Ice° dai it nhat sau (06) thang sau Ian chan doan du tien.

27. Mat thi him mOt ben mat

LA tinh tang mat hoan toan, vinh vign va khong h6i phyc thi lqc cCia mOt (01) mat:

La heu qua cua bgnh hoc Tai nan arqc xac nhgn dia Bac ST Nhan khoa v tinh tang thj lqc co kinh nho han 3/60 hoc 20/400 theo bleu d6 met Snellen, hoc thj tru,Ong cua mat anh Wong bj gide' hen nho

han hoc bang 100 KhOng phal là hau qua cua lam dung do uong cd, c6n, hoc sir dyng thu6c, hoc sir dyng chat gay nghign.

Tinh twig nay phai keo dai it nhat sau (06) thang sau Ian chan doan du tien.

Bong it nghiern trong

Bang dO 2 (mOt phan be day dia da) là b6ng anh hu,Ong clan toan 136 lap bigu bl va keo dai dan lOp bl vtri dign tfch bong chiem It nil& 50% din tfch ca tha c6a Ngt.rOi duqc bao higm. Vat bang da phai dirqc xac djnh là cen dieu trj dan vi b6ng c6a Banh vin va dal h6i pilau thugt cat loc.

Mat mOt (01) chi

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eHanwha Life

LA tlnh trang cat cyt toan boa mat (01) chi tip ten khu9u tay hoc ten g6i. Tinh trang nay phdi duvc xac nhan bed Bac st chuyen khoa trong linh vtyc lien quan.

LOOl trif bao hitim trong tareing hop: Ng'Jai duvc bao him tv gay thuvng tat.

Phau thuAt cAy ghep 6c tai

Phu thuAt cAy ghat) 6c tai do t6n thuvng \firth vin óc tai hoc day than kinh thInh giac. Phgu thuat cAy ghep 6c tai phai duvc xac nhan IA tuyet dai cAn thiet bai Bac si chuyen khoa Tai Mui Hong.

Viem Ong mAc sAc t6

La tinh trang viern yang mac sac to c6 thj truang •cua mAt tot han han nh6 han hoc bang 10°; Tinh trang nay phai duvc xac nhan bai Bac si Nhan khoa va khang the cai thien bang bat k9 phuvng phap dieu trj nao.

Vieth khap dung thap nAng

LA tlnh tang pha huy kh6p din rang gay ra do Viem kheep clang thap Ong %fad bien dang lam sang Ian cOa ba (03) hoc nhieu han cac vung khap sau:

Ban tay; C6 tay; Khu9u; Cat song c6; G6i; C6 chan.

Chan doan phai duvc xac dinh bai tAt ca tieu chuan sau:

CiPng khap bugi sang; Viern khap dal ximg; Hien din cac nOt thap khap; Tang n6ng d yAu to thap (RF); và Bang chiPng X-quang ca viem khap MCYC da

dtmc bao hiern mAt khA nang thtyc hien It nhat hai (02) trong sau (06) chirc nang sinh hot hang ngay nOu khang c6 det cüa ngirai khac trong thai gian

It nhat sau (06) thang lien tyc.

Chan doan xac dinh berth va mrc da tan phe do benh c6 the phial duvc danh gia dc lap bad Bac si cüa Hanwha Life Viet Nam.

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eHanwha Lire

PHI) LC IV

DANH myc BeNH HIEM NGHEO GIAI DOAN MUON Hanwha Life Viet Nam bao ve nam muvi lam (55) Benh hiem ngheo giai doan mubn theo danh sach sau:

1. Ung thu, 'dm !An

La mOt (01) khoi u ac tinh dc tnyng bad sy, phat tri6n khong kiem soat cQa nhCrng to bao ac tinh, xam I6n va pha hOy m6 lanh xung quanh. Chan doan xac djnh phai dkra ten ket qua mb hob ab tlhh vd duiqc icabadjah beri Bac sl ung bu,dru hoacf3ac si giai

pheu benh.

Lopi trir bao him trong cdc tnreng hqp sau:

NhCrng kh6i u & giai doan ung thu, tai ch6 va nhCrng u c6 ket qua mb hoc IA: tin ac tInh, khbng xam len, giap bien ac, có kha nang ac tInh, loan san c6 t& cung (GIN-1,

CIN-2, CIN-3);

Tat ca ung thu, da nOu kheong co bang chirng: di can hoc melanbm c6 be day 1,5mm (duvc xac djnh bang ket qua mb hoc theo phirang phap Breslow); Benh bach cu kh6ng phai benh bach cu lymphb man, tar khi c6 sty phat tan toan

than dm té bao benh bach cu trong b.:1y wang;

Ung thu, tuyOn tiOn liOt giai doan T1NOMO; ung thu, ban-1g trOng giai doan

T1aNOMO/T1bNOMO theo phan loai TNM hay he thong phan loai khac ttrang du,ang

hoc scfrm han; Ung thu, tuyOn giáp phan loai mb hoc T1NOMO theo phan loai TNM;

Ung thu, bang quang phan loai mb hoc vi ung thu, bieu ma dang nhu TaNOMO hoc

phan loai khac tu,ang du,ang hoc sam han; Benh bach ceu lyrnphb man duvc xOp lo0 the') han giai doan 3 theo RAI hoc thep

han giai doan C theo Binet; va

Tat ca cac loai ung thu, & nveri nhiem HIV.

2. Suy th0

La suy then giai doan cuoi bleu hien Uri tinh tang ca hai (02) then bj suy giam chit:1'c nang man tInh và khbng the hoi phyc, c6n phdi dieu trj bang loc then djnh k hoc ghep then.

Cy gh6p nOi tang/hly xwang

LA tinh trang khi ngutri nhen ghep tüy wang hoc ghep hoan toan tim, then, gan, ph6i, tyy.

Lopi trif bao him trong cac trwerng hop:

Cey ghep bet kji bQ phan, ca quan, m6 hoc te bao khac.

BOnh phOi gial doan cu6i

Benh khi phe thung giai doan tion triOn hay benh phoi man tinh khac giai doan tiOn trien, sau khi duvc xuat vin yen c6n day du cdc tiêu chuan sau:

Sy, an thiet sir dyng oxy lieu phap thu,&ng xuyen va vinh vin de duy trl cu6c song.

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Hanwha Life

Suy giàm chik nang phOi vinh vin: dung tfch song gang sin (FVC) va the tfch khi tha ra trong giay du (FEV1) luan thap horn 40% gia tri binh thu,&ng.

13fmh nang tuji than

La tinh tang roi loan di truyen ca then dc trung heti sy, mat chkk nang then ben then dart do Ski hien din cua cac nang trong vung tay then.

Chan doan phdi du,qc xac dinh b&i bang chirng hinh anh cua nhieu nang vung tuy va teo \king vo then.

Viam gan ac tinh

Là tinh tang viem gan gay ra do sieu-vi viem gan lam hopi ti)' phan 16'n nhu m6 gan dan den tlnh tang suy gan tei cep. Benh duvc chan 'loan xac dinh dkra ten tat ca nhCrng bet.] chuan sau day:

Vang da sem; Bang chOng huyet thanh hoc viem gan vi rut; Benh nao gan xuat hien ma khong c6 benh gan truck d6; Cac xet nghiem chin nang gan nhkr AST, ALT va Bilirubin tang cao clang ke, it nhat ba (03) Ian so vdei binh thkramg; và Bang cho,ng hoai ter gan ten hinh anh hoc hoc sinh thiet gan.

Lopi tr& bao higm trong cac tatting hop sau:

Benh viem gan c6 nguyen nhan trik Op hay gian tiap lien quan den ty, ng0 dOc,

dung thu6c qua lieu, lam dyng RNLI bia.

7. Suy gan giai clop cu6i

Suy gan giai don cuOi du,qc xac dinh boi tat cá cac tinh tang sau day:

yang da keo dai (hoc khong hoi phyc); Bang byng hay cô truang; va Benh nao do gan.

Lopi trer trach nhiOm bao him trong cac trutmg hop say: Bann gan do rtrqu hoc

lam dung thu6c.

8. Thieu mau bat san

La tinh tang suy tuy xt.rang man tfnh Ice° dai gay ra thieu mau, giàm bach cu da nhan trung tinh và giàm fiat] cau; du,qc chan doan xac dinh bang sinh thiet tCiy xu,ang

va phai du,qc dieu trj bang mOt trong cac phtrang phap sau:

i. Truyen cac che pham mau; SCr dung thu6c kfch thfch tuy xi.rang; Sr dyng thuOc Crc che mien dich; hoc

iv. Ghep tuy xtrang.

Chan doan phdi du,qc xac dinh beri Bac si chuyen khoa trong linh vy,c lien quan.

9. Viam tyy man tinh tal phat

La tlnh trpng cac dqt viem tyy tai Oat nhieu Ian gay ra xa h6a tyy tien then den, clan den mat cac m6 nei tiet va ngopi tiet cua tyy.

Benh phai dap Ong tat ca tieu chuan sau:

Tien sir c6 It nhat ba (03) dqt viem tyy;

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Hanwha Life

Co bang chu,ng ve sky suy giam chirc nang tyy gay ra kern hap thu, phai duvc dieu tri thay the bang men tyy hoc insulin lien tyc; va Chan doan benh phai duvc xac dinh bai Bac si chuyen khoa trong linh Arc lien quan.

Lopi frit bao him trong truerng hop: viem tyy man do sir dyng rtrqu bia hay lam dyng

thu6c.

10. Viem gan tkr mien mon tinh

LA tinh tang viem gan hoai tir man tinh khong r6 nguyen nhan c6 skr hien din cCia cac ti r khang the trong mau va globulin huyet thanh tang cao.

Benh phai dap Crng tat a ac dieu kien sau:

Tang gammaglobulin mau; CO skr hien din dm it nhat met (01) trong cac ty, khang the sau: Khang the khang nhan; Khang the khang ca tran; Khang the khang actin; Khang the khang microsome gan then (Anti-LKM-I antibodies); Khang the khang cytosol 1 cüa gan (Anti- LC1 antibodies); hoc Khang the khang yeti khang nguyen gan hoa tan, khang the khang khang nguyen gan va tyy (Anti-SLA/LP antibodies). Ket qua sinh thiet gan xac nhan benh viern gan mien.

Quyen Iv' bao hiem chi duvc chi tra khi Ngtrai &Tic bao hiem de duvc dieu trj lien tyc bang lieu phap Crc die mien dich trong it nhat sau (06) thang hoc c6 xac nhen la duvc dieu tri bai Bac si chuyen khoa trong lTnh vkrc lien quan trong sau (06) thang.

11. Nhei mau tim

Là tinh trang chet met (01) phan ca tim do sy, cung cap mau kh6ng du den cac vung ca tim lien quan. Chan doan phai duvc xac dinh beri tat a tieu chi& sau:

Tien sir co can dau that ngkrc dien hinh; Thay d6i mai xuat hien ten din tam d6 (ECG) chirng minh nhai mau ca tim; và Bang chirng tang men tim: Troponin T> 1,0 ng/ml hoc Accu TnI > 0,5 ng/ml hoc ngtr&ng ttrang du,ang d6i vai Troponin I do bang phu,ang phap khac.

Lopi treY bac) higm trong cac tru&ng hqp:

Dau ngkrc v thieu mau ca tim cap khac Sy, tang cac dau an sinh hoc tim hoc Troponin theo sau thu thuet can thiep nei

mach, bao gem nhu,ng khong han thu thuet chyp mach vanh va thtl thuet tao

hinh mach vanh.

Phiu thu'Ot .bac cu tiOng mach vanh

La tinh trang trai qua phau thuet mai ngkrc qua xu,ang Crc d ghep noi vuvt qua ch6 hap hoc tac dia met hay nhieu nhanh deng mach vanh & benh nhan co trieu chirng dau ngkrc lam han che van Ong.

Lopi tref bao higm döi vol: Thu thuet tao hinh mach vanh va tat ca cac can thiep nei mach dkra ten 6ng thong mach (catheter) khac, me nei soi, nhCrng thti thuet xam Ian tei &lieu hoc laser.

Thay van tim

Là tinh tang trai qua phau that ngi,rc qua xtrang 0,c theo chi dinh dm Bac si chuyen khoa Tim mach de thay the hoc sCra &Da met (01) hay nhieu van tim.

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Hanwha Ufe

14. PhAu thuet deng mach cha

LA tinh tang trai qua pt.& that In &dOng mach chi) bung hoc dOng mach chi) ngu'c do benh mach mail de Oa tInh mang. Bao gm Oa chi:1,a hap eo Ong mach chi), phau thuat dat manh ghat) (graft) a dieu tri phinh hoc hoc tach dOng mach ch0.

Lopi him trong cac tnr&ng hqp:

Phu thuat cac nhanh dOng mach chei Cac thu thuat chi sir dyng Ong th6ng mach (catheter).

Tang áp deng mach ph6i nguyen Oat_

Chan doan Tang áp dOng mach ph6i nguyen phat phai duvc xac dinh b&i Bac ST chuyen khoa Tim mach hoc Bac ST chuyen khoa H6 hap. Phai c6 sy, suy giám ch0,c nang tim gay ra mat Vinh vin kha nang thy,c hien cac hoat dOng tha chat & mire dO IV theo Bang phan loai suy tim cCia Hiep hOi tim mach New York (NYHA)*.

Lopi tr.& bac) him trong truerng hop: tang áp phoi thir phat.

(*) Phan loai suy giam chirc nang tim theo Hier) he' tim mach New York (NYHA):

DO IV: Bat hoat ging the lt,rc nao cOng gay ra trieu ch0,ng met, kh6 the' hoac dau

Cdc trieu ch0,ng hien dien mOt cach thiriteng xuyen ngay cà khi nghi ngoi.

Benh co tim

LA tinh tang tOn thu,ang ca tim dan den suy giàm vinh vin chin nang tim, benh duvc xac dinh boi Bdc si chuyen khoa Tim mach, va phai dap Ong tat ca cac tieu chuan sau: Phan suat tong mau (EF) 5 35%; Suy tim min dO IV theo Bang phan lopi cüa Hiep hOi tim mach New York (NYHA)*.

Loai tri), bac, him trong cdc truerng hap sau:

Benh ca tim tri,rc tiara gay ra do lam dung rtrqu bia hoac thu6c; Tat ca cdc dang khdc cCia benh tim, tim to do nguyen nhan khdc va viern ca tim.

(*) Phan loai suy gram chin nang tim theo Hiep hi tim mach New York (NYHA):

DO IV: Bat hopt dOng tha Ivc rid° cOng gay ra triu chil,ng met, kh6 tho' hoac dau

Cdc trieu chti,ng hien dien met cach thuteng xuyen ngay ca khi nghi ngai.

17. Flei chCrng Eisenmenger

LA tinh tang gay ra do banh tim sy, hien dien cua luting theng (shunt) No chieu hoc hai (02) chieu dan den tang áp ph6i.

HOi chi:mg phai dap (mg tat ca cac tieu chuan sau:

Suy giám VIM vin hoat dOng tha chat rnt),c dO IV theo Bang phan loai cua Hiep hOi tim mach New York (NYHA)*; va Chan doan hOi chirng Eisenmenger va mirc de suy giarn hopt Ong tha chat phai duvc xac dinh thi Bac ST chuyen khoa trong libh vy,c lien quan.

(*) Phan loai suy giàm chin nang tim theo Hiep hOi tim mach New York (NYHA):

DO IV: Bat C hoat Ong the Ityc nao cOng gay ra trieu cht),ng met, kho thof hoc dau Cac trieu chimg hien dien mOt cach thu*ng xuyen ngay cá khi nghi ngai.

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Ca) Hanwha Ure

18. Viem ntji tam mac nhigm khan

LA tinh tr5ng viem mang trong tim do nhigm trung, phal dap Crng tat ca cac fiat.' char) sau:

Kat qua cay mau &rang tinh xac dinh vi sinh vat gay banh; va Her van tim it nhat & min dO trung binh (phan suat frac ngirqc Z 20%) hoc hap van tim mire dO trung blnh (diOn tich 16 van tim 5 30% gia tri birth thutmg) do Viem nOi tam mac nhigm khan.

Chan doan bOnh Viem nOi tam mac nhigm khan va dO Ong dia bOnh van tim phai duvc xac dinh bed Bac sT chuyen khoa trong linh Arc lien quan.

19. I-16n me

La tinh tang bat tinh khamg dap Crng vai Idch thich ben ngoai hoc ben trong:

Can sir dung h0 thong h6 trq song nhan tao trong theri gian lien tyc It nhat 96 gier Suy giâm vinh vin chirc nang than kinh vOitriOu chumg lam sang Mc dai.

Lopi trC bao hiem trong truong hop: hem me try phat do lam dyng rtrqu bia hoc thu6c va hem me do ch6 dieu tri.

20. ElOt quy

Là mOt bien c6 mach mail nao bao gm nit& nnau nao, xuat huyet nao, xuat huyet dutd nhen, huyet khOi mach mau nao, huyet tac mach mau nao va phai dap (mg tat ca cac dieu kiOn sau:

Bang chOng tOn thuting than kinh vinh vign gay ra mOt trong ba khiern khuyet sau chive xac nhan bati Bac sT chuyen khoa Than kinh & that' diem It nhat sau (06) tuan sau sir kian tOn thtrang mach mau nao: Mat vinh vien va hoan to5n cht:rc nang van Ong caa mOt hay nhieu chi; Mat VIM vin kha nang nOi do ton thtrang trung khu nOi & nao; hoc Mat vinh vign kha n5ng thkrc hiOn hoan to5n ba (03) trong sau (06) ho5t Ong sinh hoat hang ngay ma khemg c6 sky trq giup cua ngutfi khac. Tim thay ten hinh anh hcoc cOng hiyang (MRI) nao, chyp cat lap vi tinh (CT scan) nao hoc nht-rng k9 thuat hinh anh xac thkrc khac có cac dau chimg ph6 hqp chart doan ciaa mOt can dOt quy mad.

LOQi trU, ha° him trong cac truteng hop sau:

Can thieu mau nao thoang qua va nhOng ton thiyang than kinh do thieu mau nao c6 hOlphyc Ton thirang nao do Tai nan, chan thiyang, nhigm trOng, viem m5ch mau, bOnh viem nhigm va dau dau Migraine 130nh m5ch mau gay anh twang den mat hoc than kinh thi giac ROI loan thieu mau cycb0 h0 thong tien dinh 6c tai.

21. BOnh Alzheimer

Benh Alzheimer phial dirqc chan &Ian tuft 65 tuOi bad Bac sT chuyen khoa Than kinh, Tam than hay Lao khoa. BOnh gay mat vinh vin tat ca cac kha nang sau day va kheing the cal thiOn bang cac phtrang phap dieu tit

Kha nang ghi nhaf; tri; va

Nhan thirc, hieu, bleu hien cam x6c va diva ra phan Ong.

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Hanwha Ufa

Tinh trang nay phai ten then den mirc d6i hoi phial c6 sy, Om sat lien tyc de dam

bao Ngu,61 duvc bdo hiem kh6ng ti lam hi mlnh.

Lopi &Cr bao hiem trong cac trutrng hqp saw

Cac loaf sa sut trf tue khac Ton thin:mg nao do ruvu bia.

22. B§nh Parkinson

Benh Parkinson phai duvc chat, doan trirdtc sau muvi lam (65) tut,' 1361 Bac si chuyen khoa Than kinh. Benh phai clan den viec suy giâm vinh vin cac chCrc nang van_dOng, gay_nm, arng_ca va tu, the kh6r3g 6n dinh. Benh Oen then dan den mirc Ngt.reri dircyc bao hiem khang c6 kha nang thkrc hien hoan toan It nhat ba (03) trong sau (06) hot dOng sinh hot hang ngay ma khOng c6 su, giCip d& cüa ngirtri khac

trong theri gian lien tyc tts.r sau (06) thang tit,' len.

Lopi trir bao hicirn trong cdc trutYng hqp sau:

Benh Parkinson thir phat do lam dyng thu6c Dung benh Parkinson do thoai h6a tkr phat the van hay chat den, thu,ang xay ra do

hau qua cua viem nao hem me.

Da xo, arng

Benh phai duvc char) doan xac dinh beti Bac si chuyen khoa Than kinh. Benh phai gay ra sy, suy giam trong hien tai chirc nang cam giac va van Ong. Tlnh trang benh phai Ice° dal va dai clang It nhat mutti hai (12) thang.

Viem nao

LA benh gay t6n thkrang vinh vin than kinh vaei cac trieu du-mg lam sang keo dai va khong the cal thien vtti dieu tr. Benh phai dircyc chan doan xac dinh bel Bac ST chuyen khoa Than kinh.

Chen thunyng dau nghiern tong

La tinh tang chen thu,ang du do Tai nan gay ra bei ngoai lkrc tac dOng clan den Ngt.rai duvc bao hiem mat kha nang thtyc hien hoan toan It nhet 03 (ba) trong sau (06) hoat dOng sinh hot hang ngay ma kh6ng co sty giCip dtt cCa ngvai khac trong thtti gian lien tyc tt:r sau (06) thang tr.& len.

Lopi trir bao him trong cac tnrang hqp:

Chen thtrang tuy song Chen thu,ang dau do cac nguyen nhan khac bao g6m ty, gay chen thiyang.

26. Phiu thu#t nao LA tinh tang trai qua phau that nao c6 gay me toan than de mtt hp so do Bac si chuyen khoa chi dinh vdei bang chirng ccia k9 thuat chan doan hinh anh hoc (X-Ray/MRI/CT scan) va chi:mg nhan phau that nao.

Lopi trir bac) hiArn trong cac &Lir:mg hqp:

Phgu thuet qua xoang Warn, khoan 16 hp so (burr hole), nh0,ng the' that nOi mach

hoc xam len tOi thieu khac bao g6m thu thuat dieu tri bang dao Gamma;

Phau thuat nao do Tai nan.

27. Teo co, tily sting (SMA)

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Hanwha Lire

Là benh thodi hoe cdc te bao Ong tuft ttly song va cac nhan van clang cua than nao, CIOQ trvng bad su, yeu va teo tram tong c6a cac ca gan, ch6 yeu la ca & chart, sau da la cac ca xa.

Banh phai duqc chen doan xac dinh Uri Bac st chuyen khoa Than kinh va dvac xac nhan bang cac danh gia than kinh ca nhu, dien ca d6 (EMG).

DOng banh phai d5n den met Vinh vien khd nang thvc hien hoar) toan It nhat ba (03) trong sau (06) chin nang sinh hoat hang ngay neu khong c6 sr trq giup tr ngutti khac trong thai gian lien tyc It nhet sau (06) thang.

Xo, arng cOt ban teo

La tinh tang dac bung yeu va tea- rOi lop chirc nahg tebao sing trUat, -riirig ca Co the they &vac, co CO., tang phan xa gan ca sau va phan xa nong gan ban chan, c6 bang chOng lien quan den &rang vo nao-tuy song, lop 4n ngen va nuot kh6. ChAn doan phai duvc xac dinh bai Bac si chuyen khoa Than kinh và phai c6 bang chung bet thvang phi] hap ten ket qua din ca d6 (EMG).

Dang benh phai dAn den met vinh vin kha nang thvc hien hoan toan It nhet ba (03) trong sau (06) chirc nang sinh hot hang ngay neu khong c6 skr tro. giOp nguai khac.

Tlnh tang nay phai kdo dai It nhet sau (06) thang sau Ian cf.& dean dau tidn.

Vieth ming nao do vi khan

Banh do vi khuan gay ra tinh tang vidm mang nao den den di chi:mg than kinh Vfnh vign va khong hi phyc: met kha nang nghe noi, mu, tOn thvang than kinh va nao vinh vign, thay dai hanh vi, met khd nang nhan thin, met kha nang kiem soat ca, ging kinh, met trf nher. Triau chOng lam sang Ice° dai và khong the hai phyc vc5I dieu tn.

Lopi tn), bao higm trong cac tru,ang hqp sau:

Tat ca cac lopi viem mang nao khac khong phai do vi khan Viem mang nao do vi khan 6. Nue:el c6 nhiern HIV.

30. KhOi u nao !Anil tinh

Banh do skr hian din c6a mat kh6i u khong ac tfnh trong hap so va giai han tai nao, mang nao hay day than kinh so nao va phai dap Ong tat ca nhamg dieu kian sau day:

De doe den tinh mang; Gay tOn thvang nao; Can ph5u thuat cat be, hoc neu khong the ph5u thuat se den den di chVng than kinh vinh vign; va Benh phai chen doan xac dinh dva vao kat luan dm Bac sT chuyen khoa Than kinh, ten ca sâ hinh anh tan thuang tren phim Chyp cat kfrp (CT) nao, hinh anh Cang hvang tit (MRI) nao, hoc nhCmg k9 thuat chen doan hinh dnh tin cey khac.

Loai tn), bao him trong ado tnferng hqp sau:

Nang trong nao U hat (Granulomas) trong nao DI clang mach mau nao Kh6i mau ty trong nao U tuyen yen hoc U tuy song.

31. Banh bei liit

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Hanwha Life

Chan doan xac dinh khi c6 tat ca tau chin sau:

Vi Kit bpi Het (Poliovirus) duvc xac dinh la nguyen nhan gay benh, Tinh tang Het co' chi hoc Het ca h6 hap phai ton tai Ice° dai lien tyc it nhat ba (03) thang.

32. Litchi

Là tlnh trang mat chin nang toan b6và kh6ng phyc hoi ci.ia It Mat hai (02) chi do benh hoc ton thuang, kéb dai trong it nhat sau (06) thang ke tir ngay bi benh hoc tOn thuang, duvc dkr doan kh6ng c6 kha nang hoi phyc.

Tlnh tang benh

phi duvc xac nhen bai Bac sTchuyen khoa trong linh vkrc lien quan.

Loa' tar bac) Nam trong twang hap: ton throng do Nguoi duvc bac hiem tkr-gay ra.

33. Loan ch.rerng co,

Là nhom benh thoai hoa ca do di truyen gay tea va yeu ca. Benh phai duvc chan doan xac dinh bai Bac si chuyen khoa trong linh vkrc lien quan. Benh phial dar n clan met kha nang thkrc hien hoan tan ba (03) trong sau (06) chirc nang sinh hot hang ngay lien tyc sau (06) thang ft& len.

BOnh nhuvc co,

La tinh trang roi lop tu, mien mac phai cCia den truyen than kinh-ca gay ra tirng dal yeu ca, mai ca và phai dap Ong tat ca cac dieu kien sau:

Tlnh trang yeu ca vinh vier' DO III, IV hoed V theo Phan Loa' lam sang cua Hip hi Benh Nhuvc ca Hoa Ky Chan doan xac dinh va phan loai bent" nhuvc ca phai duvc xac nhen bai Bac sr chuyen khoa trong linh Arc lien quan.

Tinh trpng phai keo dai It nhat sau (06) thang tO lan chan doan dau tien.

Phan lopi lam sang dm Hip hi Benh Nhuvc ca Hoa KY:

• DO III: Nhuvc ca 4n nhan & bat ky min da nao, nhuvc ca cac ca khac & mOc dO trung binh D6 IV: Nhoac cry ven nhan cle bat ky mirc dO nao, nhuvc cc' cac ca khac & min da Ong DO V: Bat buOc det nOi khi quan da duy tri duang tha.

TOn thwang da re dam rei then kinh canh thy

LA tlnh trang mat hoan tan va vinh vign chin nang 4n dOng va cam giac cCia mOt chi ten gay ra b&i skr ton thirang toan ba (so nh6) dm it nhat hai (02) re dam rOi than kinh canh tay do Tai nan hoc chan thkrang. TOn thuang toanb6 dia it nhat hai (02) r8 than kinh phai &vac xac nhen Uri din ca duvc thoc hien bai Bac ST chuyen khoa trong linh vi,rc lien quan.

BOnh Creutzfeldt-Jakob hoc b§nh bo diên CJD

Benh Creutzfeldt-Jakob phai duvc char' doan xac dInh bai Bac si chuyen khoa Than kinh. Benh phai gay ra tlnh tang met vinh vian va khang h6i phyc dia tat a cac kha nang sau:

Ghi nher; Ly tit; va Nhen thOc, hiau, biau hien cam XOC va dira ra phan Ong.

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1116 Hanwha Lire

Tlnh trang phai tin trien den ram doi hoi phei c6 sr Om sat lien tyc de dam bao Ngt.r6i duvc bao him kheong tkr lam hai minh.

Lopi trer bao hitim trong cac trurYng hqp sau:

Cac loi sa sut tri tue khac (nhOng tinh tang nay duvc bao hiem theo dinh nghTa cüa sa sut trt tue).

Gay c§t s6ng do Tai nn

Là tinh tang gay mdei cüa cet song gay ra do Tai nn doi h6i phei nhep vien dieu trj bang phau thuet h& và duvc chan doan dirt hoan toan tCiy song den den mat VInh vien chin nang hai (02) chi &NM bao viec tieu tau khong tkr ch6. - _ _ _ Chan doan phai duvc xac djnh bang ket qua chyp X-quang hoec k9 thuet chan doan hinh anh tvang tr duvc thkrc hien 661 Bac sT chuyen khoa trong linh vkrc lien quan. Chan doan ye ton thuvng va di chirng then kinh phdi dirqc xac dinh bei Bac sT chuyen khoa Then kinh hoec Bac sT Pilau thuet Chinh hinh (duvc chap thuen b6i Hanwha Life Viet Nam). Lopi &Cr bao him d6i veri truifyng hop: gay nen hinh chem c6a cet song (gay do nen ep phan trirbc cOt song, de li cOt song hinh chem).

Hi chirng Apallic

Là tinh trpng me Ngireri duvc bao hiem lam vao trpng thai thkrc vet keo dai do ton thvang nao gay ra, bieu hien 661 mat hoan toan kha nang nhen thin trong it nhat mr61 hai (12) thang lien tyc.

Do tinh tang ton thvang nao Ian reng va khong the phyc hei, benh nhan rat kh6 phyc hOi tot han tir tang thai thqc vet, hoec nOu c6 phyc hoi till, tang thai thkrc vet thi cOng bj tOn thin:mg than kinh hay mat cht:rc nang yen Ong vinh vien.

Litit tan nhan ben then (Hi chOng Steele-Richardson-Olszewski)

Liet tren nhan tien then phai duvc chan doan xac dinh bog Bac sT chuyen khoa Then kinh, và phai dap Ong duvc tat ca nhCrng tieu chuan sau:

Bang c6 suy giam lam sang ye chin nang yen Ong; Bang c6 suy giam chirc nang chuyen Ong dm mat; Phai duvc xac dinh bang cac ky thuet chen doan ngay tai thol diem phat sinh yeu

cau bao hiem; và Mat vinh yien kha nang thqc hien hoan toan it nhat ba (03) trong sau (06) chirc nang

sinh hoot hang ngay ma khong c6 h6 trq tCr ben ngoai.

Lopi &Cr Pao hgrn d6i trot

Benh Parkinson; Benh Alzheimer.

40. Li§t hanh nao tien tan

Là r6i loan dia he then kinh 9ay nen Het & vOng du, kh6 nhai và kh6 nuot, kh6 n6i và kh6 phat am, kern theo dau hieu tOn thuang keo dal dm than kinh tCiy song \fa trung khu yen Ong nao, yeu ca co ding và teo co. cac chi.

Benh phai duvc chan doan xac dinh bed Bac sT chuyen khoa trong linh vkrc lien quan. Tinh tang nay phial gay ra rn6t vinh vien khe nang thvc hien hoan toan it nhat ba (03) trong sau (06) chin nang sinh hoat hang ngay, và phai c6 bang chimg y khoa ghi nhen ton thuang keo dai lien tyc it nhat sau (06) thang.

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67.# tlanwha Life

Bong Ong

Là tinh tang ton thuang m6 do tac nhan nhiet, h6a chat hoc din gay ra bong de ba hoc ton thuang toan be be day cud da, vdei din tich beng It nhat 20% dien tIch be met ca tha theo biau de phan loai dm Lund va Browder hay cea Quy tgc cac s6 9. Lopi ft& bac, hi4m trong tniong hop: Ngiferi duvc bdo hiem hi, gay ra tOn thuang.

Lupus ban do he thOng veri bien chirng viern then do Lupus

LA mOt r6i loan tkr mien, do nhieu yOu to tac Ong vac) nhieu he thong ca quan dc trung bii xuat hien dm cac ti khang the chteng lai cac khang nguyen cea chInh ban than cac ca quan. Trong pham vi cCia djnh nghia nay, Lupus ban de he thong (Vac han la Lupus ban de c6 Nen &Ong tai then (viem then do Lupus phan loai nhern III, IV, V theo bang phan loai did T6 chirc Y to Tha gial (WHO) dt,ra ten kat qua sinh thiet then). Chan doan phdi xac djnh bad Bac si chuyen khoa trong linh VI,IT lien quan.

Phan loai benh viem then do Lupus theo TO chirc Y tO The giai (WHO):

Nh6m III: Viem vi cau then Lupus ton thirang tang sinh cyc be Nheim IV: Viern vi cu then Lupus tOn thuang tang sinh Ian tea NhOm V: Viem vi cu then Lupus tOn thirang mang.

MO LA tinh trpng mat thj hoan toan va kh6ng the hei phyc cUa cd hai (02) mat do benh hay Tai nan. Chan doan phai duvc xac djnh bei Bac si chuyen khoa Mgt duvc chap nhan Uri c6ng ty Hanwha Life Viet Nam.

Lopi trfr bac) hi4m trong truong hop: thi Irc c6 kha n5ng hei phyc met phan hoc hoar% toan bei bat kjf skr he tra, thiet bj Mac cay ghdp nao.

Met kha fling noi

Là tinh tang mat hoar' todn, \firth Wen va khang the hei phyc khd nang phat Am do chan thuvng hay benh.

Mit thinh

LA tinh tang mat hodn todn, vinh vien va khang the hei phyc thinh Iyc cd hai tai veei ngutmg nghe tif 95 da xi ben tre len doc theo cac tan s6 thap den cao & tai tot han, duvc xac djnh 1)61 phuang phap do thinh R,rc dan am (PTA).

Viem kherp clang the') neng La tinh tang pha FA/ khap then reng va lam bier, clang tram tong tren lam sang dm It nhat ba (03) trong so cac \king khap sau day: ban tay, cO tay, khujiu tay, cet song,

gOi, CO chart, ban chan. Chan doan phai dap Ong tat cd cac diau kien sau day:

CCing kherp vdo bib sang; Viem khop dOi ximg; Xuat hien cac not thap; Xet nghiern yeti to thap tang cao (RF); va Bang chirng X-quang lien quan den min de Ong dia benh.

Chan doan phdi duvc xac djnh bel Bac sichuyen khoa Khap.

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Hanwha Lire

U t6 bao cram

Sir hien dien cüa khei u then kinh nOi ti6t & tuy6n thuvng then hay cila ntitrng m6 u,a crOrn khac lam tang ti6t catecholamines, benh d6i hal phai trai qua pheu thudt cat la?) U. Viec chen doan phai duvc xac djnh beri cac Bac sT chuyen khoa trong linh virc lien quan.

Xo, arm] 131 ti6n tri6n

Là benh ly mach maki-m6 lien ket he theng gay ra xa h6a Ian rOng tiOn tri6n da, mach mau va ca quan nOi tang. Chen doan phai duvc xac djnh bcIti ket qua sinh thiet v-aéthgItrrhu$tthantd6ngg thai phai c6 t6n thtrang he thong den tim, ph& hoc then.

Lopi trer bdo him trong cdc twang hop:

Xa ding bl khu trü (xa cirng bl thanh vet hay benh Morphea) 'diem can ca tang bpch cu tra acid Hi chirng CREST.

49. Nhiem HIV do truy6n mau

Le tinh tang nhiern virus gay suy giám mien dich & ngirai (HIV) qua du,ang truyen

mau va phai dap Ong t6t ca cac dieu kien sau:

Vic truyen mau phial that sy, an thi6t v6 rr* y khoa;

Vic truyen máu cluvc thkrc hien sau NA, hieu Ikrc cCia hap deng;

Nguen lay nhiem duvc xac djnh tir mau bj nhiem th6ng qua viec truyen mau va phai

c6 kha nang xac dinh ngulin g6c dia mau nhiern benh; va Nora' duvc bao hiem khong bj benh tan mau (Haemophilia).

Quyen lqi nay se charn dirt trong twang hap y hoc tim ra duvc loai vec-xin hieu qua phang cheng HIV/AIDS.

50. Nhiem HIV do nghe nghiep

LA tinh tang nhiern HIV do Tai nan nghe nghiep trong qua trinh thkrc thi nhiem vy thong Uniting vai at qua xet nghiem khang the HIV chuyen sang &rang tinh trong \long sau (06) thang ke tir ICIC Tai nan.

Bet kje Tai nan nao den den kha nang yeu au IA thirang phai duvc bao cao cho Gong ty trong Ong ba mai (30) ngay )(ay ra Tai nan va phai c6 ket qua xet nghiem khang the HIV am tinh ngay sau Tai nan.

Quyen lai nay se chem dirt trong truang hap y hoc tim ra duvc loai vec-xin hieu qua de phong cher-1g HIV/AIDS.

Lopi trir bdo hi4m trong truong hop nhgrn HIV lay truygn qua &rang tinh dyc.

Quyen lai bdo hiem chi se (Vac chi tra cho cac nganh nghe sau:

Bac si va nha sT Y ta Nhan vier' phong )(et nghiem Nhan vital phy to. Benh vin TralY y te va nha khoa Nhen vien ciru thu,ang

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Hanwha Ufe

ND he sinh Linh Ma Canh sat Can be trai giam.

51. Suy tuyen thuvng then mon tinh

Là tinh treng tuyen thimng then 131 pha hity clan do r6i loan tkr min dOlhoi phial duvc dieu trj bang lieu phial) thay the glucocorticoid va mineral corticoid suiSt .d&i. Chan doan duvc xac dinh bed Bac sT chuyen khoa Ni bet Uri met (01) trong cac tiêu chub sau:

Nglile-rii OW- kiChlhich ACTH; Nghiem phap giarn diferng huyat bang insulin; Dinh luvng ACTH huyet tuang; va Do hoat tinh renin huyat tuang (PRA).

Lopi tiff bdo him trong trutmg hop: suy thuvng then do tat ca cac nguyen nhan

khac.

52. Viem can moc hooi

TInh trang phai dap Ong cac tau chub sau: CO del cac tieu chi& lam sang cda benh viern can mac hoai ter; Nguyen nhan gay benh duvc xac dinh la do vi khan;

CO ski, pha huy dien reng cda va cac m6 mm khac dgn den cat b6 hoan toan va vinh vign c0a met (01) chi bang phau thuet (doan chi). Met (01) chi duvc hieu la: tay

duvc tinh tCr có tay tr& len, char' duvc tinh tO, mat ca than tr.& len.

Chan doer) phai duvc xac dinh 1)61 Bac sT chuyen khoa trong linh vtyc lien quan.

53. Viam boat di trang c6 phAu thuet cat be tohn be doi trang

La tinh tang viem boat toan be dal tang, c6 di tiou [Ong ra mau kern cac dau hieu va trieu chOng toan than, d6i hôi phai duvc dieu tri bang pilau thuet cat toan be di tang va mo• thOng h6i tang.

Benh can dap Ong tat a cac tieu char) sau:

Chan (loan phai dkra tren ket qua m6 benh hoc; va Phgu thuet cat dal tang va m& thong hi trang phai duvc thu,c hien nham muc dich kiem soat tinh tang benh dap Ung kern vai dieu tri hoc phong ngera lien then

thanh benh ac tinh.

54. Benh Crohn ca dutmg re

Là tinh trang viem nhigm man tinh er toan be caclOp thanh wet. De duvc xem la tinh tang Ong, phdi c6 bang chi:mg ye viec viem tiep dien d0 da duvc diet.] tri tOi va

phai dap Ong tat a cac tiêu chi& sau:

Su, hinh thanh hap gay ra tac nghen duting wet doi hoi phai nhep vien;

Sy, hinh thanh 16 c16 giCra cac quai rut; va

CO it nhat met (01) doan ruet bj cat 136.

Chan doan phai duvc xac dinh b61 Bac sT chuyen khoa trong linh vi,rc lien quan va duvc chirng minh bang ket qua m6 hoc va/hoc kat qua soi di tang sigma hay soi dai tang.

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Ilanwha Life

55. B'Anh phU chan vol La tinh tang nhigm giun chi ye gay ra Nen chi:mg sung phi) Iden cac m6 dm ca the do sy, tac nghen tuan hoan trong mach bach huyet. Chan doan xac dinh do Bac si chuyen khoa trong linh Arc lien quan, bao gom kat qua xet nghidm xac dinh nhiarn áu trCing giun chi.

Lopi fre' bao him trong cac tnyerng hop sau: Phu mach bach huyet do bOnh lay truyan qua dtrerng tinh dyc, chan thuang, spo hda sau phgu thudt, suy tim Cr huyet, hoc cac bat thu,Crng barn sinh cua hd bach huyet.

Ghl chin 1. Chin nang sinh hopt hang ngay: là cac hoat dOng sau:

Di chuyen: kha nang tkr di chuyen ra kh6i grid va ngu,qc Ipi Di Ipi: kha nang ty, di chuyen phong nay sang phong khac ma kheing can skr trq giCip tir Nut?' khac Di va sinh: kha nang tiau tien va di tin tly va sinh ca nhan sach se isAOc quan áo: kha nang ty, thay wan áo, ty, mang vac) hay thao ra cac thiet bi h6 trq ma kh6ng can sty trq giup tir ngu,61 khac Tam rim: kha nang ty, tam Kra hoc vd sinh ca nhan (bao gm vidc ty, di chuyen vao nha tam va ngirqc lai) An Liar-1g: kha nang ty, due thin an cid du,qc lam sgn vac) midng.

2. Bdnh hiem ngheo del voi tre em, Bien chCrng dai thao direrng, Bdnh hiem ngheo giai don sam hoc Bdnh hiem ngheo giai don muOn phai du,qc chan &An xac dinh Bac si chuyOn khoa trong linh vyc lidn quan va du,qc chap thudn b61 Hanwha Life Viet Nam.

Quy Lac va Dieu khoan San phem Brio him Lien ket chung 2020 Trang 55 /55

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4/- 2020/ĐK Bảo Hiểm Liên... · Dieu 9: Quyenlqi bao him Banh him ngheo d6i vOitre em 10 Dieu 10:Quyen 19,i bao hiem Bien chirng dai thao du,6,ng 10 Dieu 11:Quyen 19,i bao