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Ch­¬ng­ii:­b¶o­hiÓm­hµng­hãa­xuÊt­nhËp­khÈu­chuyªn­chë­b»ng­®­êng­biÓn

I. Kh¸i­qu¸t­vÒ­b¶o­hiÓm­hµng­h¶i

II. B¶o­ hiÓm­ hµng­ ho¸­ xuÊt­ nhËp­ khÈu­chuyªn­chë­b»ng­®­êng­biÓn

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I.­Kh¸i­qu¸t­vÒ­b¶o­hiÓm­hµng­h¶i

1. Kh¸i­niÖm­vÒ­­BH­hµng­h¶i

2. Rñi­ro­trong­b¶o­hiÓm­hµng­h¶i2.1.­C¨n­cø­vµo­nguyªn­nh©n­sinh­ra­rñi­ro2.2.­C¨n­cø­vµo­nghiÖp­vô­b¶o­hiÓm

3. Tæn­thÊt­trong­b¶o­hiÓm­hµng­h¶i3.1.­Kh¸i­niÖm3.2.­Ph©n­lo¹i

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1. Kh¸i niÖm vÒ b¶o hiÓm hµng h¶i

- KN:­ lµ­ lo¹i­ h×nh­ BH­ cho­ nh÷ng­ rñi­ ro­ trªn­biÓn­ vµ­ nh÷ng­ rñi­ ro­ trªn­ bé,­ trªn­ s«ng­ liªn­quan­ ®Õn­ hµnh­ tr×nh­ vËn­ chuyÓn­ b»ng­ ®­êng­ biÓn­ g©y­ ra­ tæn­ thÊt­ cho­ §TBH­ chuyªn­chë­trªn­biÓn.

- 3­lo¹i­h×nh­BHHH­c¬­b¶n,­truyÒn­thèng:+­BH­hµng­hãa­(Cargo­Insurance)+­BH­th©n­tµu­(Hull­Insurance)+­BH­TNDS­cña­chñ­tµu­(P&I­Insurance)

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2. Rñi ro trong b¶o hiÓm hµng h¶i

2.1.­ C¨n­ cø­ vµo­nguyªn­ nh©n­sinh­ ra­ rñi­ro

a. Thiªn­tai­(Acts­of­God)b. Tai­ n¹n­ cña­ biÓn­ (Perils­ of­ the­ sea/­

Accident­of­the­sea)c. Rñi­ro­do­c¸c­hiÖn­t­îng­chÝnh­trÞ­x·­héid. Rñi­ ro­ do­ c¸c­ hµnh­ ®éng­ riªng­ lέ cña­

con­ng­êi­-­ do­ lçi­ cña­ b¶n­ th©n­ ng­êi­ ®­îc­ b¶o­hiÓm-­do­hµnh­vi­¸c­ý­cña­ng­êi­kh¸c

e. Rñi­ro­do­c¸c­nguyªn­nh©n­kh¸c

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2. Rñi ro trong b¶o hiÓm hµng h¶i

2.2. C¨n­cø­vµo­nghiÖp­vô­b¶o­hiÓma. Nhãm­rñi­ro­th«ng­th­êng­®­îc­b¶o­hiÓmb. Nhãm­rñi­ro­ph¶i­b¶o­hiÓm­riªngc. Nhãm­rñi­ro­lo¹i­trõ­

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a. Nhãm rñi ro th«ng th êng ® îc b¶o hiÓm

- Lµ­c¸c­rñi­ro­®­îc­b¶o­hiÓm­mét­c¸ch­b×nh­th­êng­theo­c¸c­§KBH­gèc

- Hai­lo¹i:­+ Rñi­ro­chÝnh+ Rñi­ro­phô

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Rñi ro chÝnh

+ lµ­c¸c­hiÓm­ho¹­chñ­yÕu­cña­biÓn,­th­êng­xuyªn­x¶y­ra­vµ­g©y­tæn­thÊt­lín

+ ®­îc­b¶o­hiÓm­trong............................+ bao­gåm­c¸c­rñi­ro­sau:

1/­M¾c­c¹n 2/­Ch×m­®¾m

3/­Ch¸y­næ 4/­§©m­va5/­MÊt­tÝch 6/­Vøt­khái­

tµu

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1/ M¾c­c¹n­(stranding)

Lµ­ hiÖn­ t­îng­ ®¸y­ tµu­ ch¹m­ ®¸y­ biÓn­hoÆc­n»m­trªn­mét­ch­íng­ng¹i­vËt­lµm­cho­tµu­kh«ng­ch¹y­®­îc,­hµnh­tr×nh­bÞ­gi¸n­ ®o¹n­ vµ­ ph¶i­ nhê­ t¸c­ ®éng­ cña­ngo¹i­lùc­®Ó­tho¸t­c¹n

ChØ­båi­ th­êng­m¾c­c¹n­ trong­2­ tr­êng­hîp:

BT­ tæn­ thÊt­ ®­îc­ quy­ lµ­ hîp­ lý­ lµ­ do­m¾c­c¹n­g©y­ra

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2/ Ch×m­®¾m­(sinking)

Lµ­hiÖn­t­îng­toµn­bé­con­tµu­bÞ­ch×m­h¼n­ xuèng­ n­íc,­ ®¸y­ tµu­ ch¹m­ ®¸y­biÓn,­ tµu­kh«ng­ch¹y­®­îc,­hµnh­ tr×nh­bÞ­huû­bá­hoµn­toµn­- ch×m­ ®¾m­ do­ thiªn­ tai,­ tai­ n¹n­bÊt­ngê

- ch×m­®¾m­do­chiÕn­tranh­hoÆc­vò­khÝ­chiÕn­tranh

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3/ Ch¸y­næ­(FIRE)

- Lµ­hiÖn­t­îng­«xy­hµng­ho¸­hay­vËt­thÓ­kh¸c­trªn­tµu­cã­to¶­nhiÖt­l­îng­cao­

- Ch¸y­ th«ng­ th­êng:­ ch¸y­ do­ nguyªn­ nh©n­kh¸ch­quan

- Ch¸y­ néi­ tú:­ ch¸y­ do­ §TBH­ tù­ lªn­ men,­ táa­nhiÖt­vµ­bèc­ch¸y­­do­b¶n­chÊt­cña­§TBH

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4/ §©m­va­(collision)

- Lµ­ hiÖn­ t­îng­ ph­¬ng­ tiÖn­ vËn­ chuyÓn­ va­ch¹m­ víi­ bÊt­ kú­ vËt­ thÓ­ cè­ ®Þnh­ hay­ di­®éng­nµo­trªn­biÓn,­ngo¹i­trõ­n­íc­

+­Tµu­®©m­va­víi­tµu

+­ Tµu­ ®©m­ va­ vµo­ vËt­ thÓ­ kh¸c­ ngoµi­tµu­biÓn­(cÇu­c¶ng,­t¶ng­®¸­ngÇm,­b¨ng­tr«i,­c¸c­c«ng­tr×nh­kiÕn­tróc­trªn­biÓn)

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5/ MÊt­tÝch­(missing)

- Lµ­hiÖn­ t­îng­ tµu­vËn­chuyÓn­kh«ng­®Õn­c¶ng­ ®Ých­ quy­ ®Þnh­ vµ­ sau­ mét­ thêi­gian­hîp­lý­kÓ­tõ­ngµy­chñ­tµu­kh«ng­nhËn­®­îc­tin­tøc­g×­vÒ­con­tµu­®ã.­

- Thêi­gian­hîp­lý:­+­ Ph¸p:­

+ Anh:

+ ViÖt­Nam:

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6/ Vøt­khái­tµu­(jettison)

- Lµ­hµnh­®éng­vøt­tµi­s¶n­khái­tµu­víi­môc­®Ých­lµm­nhÑ­tµu,­lµm­c©n­®èi­tµu­®Ó­cøu­tµu­,­hµng­khi­cã­hiÓm­ho¹.

- TS­vøt­khái­tµu:+ hµng­ho¸+ mét­bé­phËn­cña­ tµu­ (vËt­phÈm­hay­c¸c­

TTB­trªn­tµu)- Kh«ng­BT­nÕu:

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Rñi ro phô- Lµ­nh÷ng­rñi­ro­Ýt­x¶y­ra,­th­êng­ph¸t­sinh­

®èi­víi­hµng­ho¸­vµ­chØ­®­îc­BH­trong............................

- Cã­thÓ­mua­b¶o­hiÓm­rñi­ro­phô­kÌm­víi..........................

- Bao­gåm­c¸c­rñi­ro­sau:1/­HÊp­h¬i 8/­§æ­vì­2/­Nãng 9/­BÑp,­cong,­vªnh3/­L©y­h¹i 10/­Va­®Ëp4/­L©y­bÈn 11/­N­íc­m­a5/­Han­gØ 12/­Trém­c¾p6/­Mãc­cÈu 13/­C­íp­biÓn7/­R¸ch 14/­Hµnh­vi­¸c­ý

15/­ Giao­ thiÕu­ hoÆc­ kh«ng­giao­hµng

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b. Nhãm rñi ro ph¶i b¶o hiÓm riªng

- lµ­ c¸c­ rñi­ ro­ bÞ­ lo¹i­ trõ­ trong­ c¸c­ §KBH­gèc,­nh­ng­cã­thÓ­®­îc­BH­nÕu­mua­thªm­c¸c­§KBH­®Æc­biÖt.­

- Bao­gåm­2­rñi­ro­sau:

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c. Nhãm rñi ro lo¹i trõ

- Lµ­nh÷ng­rñi­ro­kh«ng­®­îc­ng­êi­BH­chÊp­ nhËn­ b¶o­ ®¶m­ trong­ mäi­ tr­êng­hîp­

1/­Lçi­cè­ý­cña­ng­êi­®­îc­BH2/­Bu«n­lËu3/­Néi­tú4/­Èn­tú5/­Tµu­kh«ng­®ñ­kh¶­n¨ng­®i­biÓn6/­ Tµu­ ®i­ chÖch­ h­íng­ kh«ng­ cã­ lý­ do­chÝnh­®¸ng

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c. Nhãm rñi ro lo¹i trõ

7/­ MÊt­ kh¶­ n¨ng­ tù­ chñ­ vÒ­ tµi­ chÝnh­cña­chñ­tµu8/­ C¸c­ thiÖt­ h¹i­ tµi­ chÝnh­ do­ chËm­ trÔ­ngay­ c¶­ khi­ chËm­ trÔ­ lµ­ do­ rñi­ ro­ ®­îc­b¶o­hiÓm­g©y­ra9/ Bao­b×­kh«ng­®Çy­®ñ­hoÆc­®ãng­gãi­kh«ng­thÝch­hîp10/­XÕp­hµng­kh«ng­®Çy­®ñ­hoÆc­sai­quy­c¸ch11/­ Phãng­ x¹,­ nhiÔm­ phãng­ x¹,­ ph¶n­øng­h¹t­nh©n,­n¨ng­l­îng­nguyªn­tö

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3. Tæn thÊt trong b¶o hiÓm hµng h¶i

3.1. Kh¸i niÖm• Tæn­ thÊt­ lµ­ mét­ thuËt­ ng÷­ dïng­ ®Ó­ chØ­

t×nh­ tr¹ng­mÊt­m¸t,­h­­h¹i­hay­gi¶m­gi¸­ trÞ,­gi¸­trÞ­sö­dông­cña­§TBH­theo­mét­H§BH­do­sù­t¸c­®éng­cña­rñi­ro.

Tæn­thÊt­lµ­hËu­qu¶­cña­rñi­ro Tæn­ thÊt­ lµ­ ®¹i­ l­îng­ ®o­ l­êng­ vµ­ ph¶n­ ¸nh­

møc­®é­nghiªm­träng­cña­rñi­ro3.2. Ph©n lo¹ia. C¨n­cø­vµo­møc­®é­(quy­m«)­cña­tæn­thÊt:

-­Tæn­thÊt­bé­phËn­(Partial­Loss)-­Tæn­thÊt­toµn­bé­(Total­Loss)

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Tæn­thÊt­bé­PhËn­(Partial­Loss)

• TTBP­ lµ­ sù­ mÊt­ m¸t,­ h­­ háng­ hay­ gi¶m­gi¸­trÞ­mét­phÇn­§TBH­theo­mét­H§BH.

• Tr¸ch­nhiÖm­cña­ng­êi­BH:-­A­=­V­

-­A­<­V­

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Tæn­thÊt­toµn­bé­(Total­Loss)

• TTTB­ lµ­ sù­ mÊt­ m¸t,­ h­­ háng­ hay­ gi¶m­gi¸­trÞ­hoµn­toµn­§TBH­theo­mét­H§BH.

• TTTB­gåm­hai­lo¹i:+­TTTB­thùc­tÕ­(Actual­Total­Loss)+­TTTB­­íc­tÝnh­(Constructive­Total­Loss)

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tæn­thÊt­toµn­bé­thùc­tÕ­

• Lµ­tæn­thÊt­toµn­bé,­thùc­tÕ­®·­x¶y­ra­ë­mét­trong­c¸c­tr­êng­hîp­sau:+­bÞ­ph¸­huû­hoµn­toµn

+­ bÞ­ h­­ háng­ nghiªm­ träng­ dÉn­ ®Õn­ kh«ng­cßn­ lµ­vËt­phÈm­víi­h×nh­d¹ng­vµ­ tÝnh­chÊt­ban­®Çu

+­ng­êi­®­îc­BH­bÞ­t­íc­quyÒn­së­h÷u­víi­§TBH

• TN­cña­ng­êi­BH:­

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TæN­thÊt­toµn­bé­­íc­tÝnh

• §N:­ lµ­ tæn­ thÊt­ cña­ §TBH­ ch­a­ ë­ møc­ hoµn­toµn­ nh­ng­ xÐt­ thÊy­ TTTBTT­ lµ­ kh«ng­ thÓ­tr¸nh­ khái­ hoÆc­ cã­ thÓ­ tr¸nh­ ®­îc­ nh­ng­ chi­phÝ­ bá­ ra­ ®Ó­ cøu­ ch÷a,­ kh«i­ phôc­ vµ­ ®­a­§TBH­ vÒ­ ®Ých­ l¹i­ b»ng­ hoÆc­ v­ît­ qu¸­ trÞ­ gi¸­cña­nã

C¸c­tr­êng­hîp:+­ TTTB­thùc­tÕ­kh«ng­tr¸nh­khái+­TTTB­x¶y­ra­vÒ­mÆt­tµi­chÝnh

• Xö­lý:

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Tõ bá ®èi t îng b¶o hiÓm

• Lµ­ hµnh­ ®éng­ cña­ ng­êi­ ®­îc­ b¶o­ hiÓm­tù­ nguyÖn­ tõ­ bá­ mäi­ quyÒn­ lîi­ cña­m×nh­®èi­víi­§TBH­cho­ng­êi­BH­trong­tr­êng­hîp­tæn­thÊt­toµn­bé­­íc­tÝnh­®Ó­®­îc­båi­th­êng­toµn­bé

• T¸c­dông:+­Ng­êi­b¶o­hiÓm:

+­Ng­êi­®­îc­b¶o­hiÓm:

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Tõ bá ®èi t îng b¶o hiÓm

• Nguyªn­t¾c:­- ViÖc­tõ­bá­ph¶i­®­îc­lµm­b»ng­v¨n­b¶n

+­Th«ng­b¸o­tõ­bá­§TBH­-­NOA­(Notice­of­Abandonment):

­ph¶i­göi­trong­...­­ngµy­kÓ­tõ­ngµy­ph¸t­sinh­sù­kiÖn­dÉn­®Õn­hµnh­®éng­TB§TBH

+­V¨n­b¶n­tr¶­lêi­chÊp­nhËn­hay­tõ­chèi­NOA­ ph¶i­göi­trong....­­ngµy­kÓ­tõ­ngµy­nhËn­

®­îc­NOA-­ Khi­tõ­­bá­®·­®­îc­chÊp­nhËn­th×­kh«ng­thay­®æi­®­îc­n÷a- TB­ph¶i­v«­®iÒu­kiÖn­vµ­hîp­lý

+­chØ­tõ­bá­khi­cßn­trong­hµnh­tr×nh+­chØ­tõ­bá­khi­ch­a­x¶y­ra­TTTBTT

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3.2.Ph©n lo¹i

b. C¨n­cø­vµo­tr¸ch­nhiÖm­cña­c¸c­quyÒn­lîi­cã­mÆt­trªn­tµu­®èi­víi­TT­(tÝnh­chÊt­cña­TT)­C¸c­quyÒn­lîi­c¬­b¶n­cã­mÆt­trªn­tµu:

- Tæn­ thÊt­ riªng­ (Particular­ Average)­ ­TTR

- Tæn­ thÊt­ chung­ (General­ Average)­ ­ ­TTC

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a. Tæn­thÊt­riªng­(particular­Average)

• §N:­ lµ­TT­chØ­g©y­thiÖt­h¹i­cho­riªng­quyÒn­lîi­­cña­mét­chñ­së­h÷u­®èi­víi­tµi­s¶n­bÞ­TT­chø­ kh«ng­ liªn­ quan­ ®Õn­ c¸c­quyÒn­ lîi­ kh¸c­cã­mÆt­trong­hµnh­tr×nh

• Nguyªn­nh©n:

• TÝnh­chÊt­tæn­thÊt:

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Tæn­thÊt­riªng­(particular­Average)­

• §Þa­®iÓm­x¶y­ra:­

• Møc­®é:

• Gi¸­trÞ­tæn­thÊt­riªng:­lµ­gi¸­trÞ­cña­tµi­s¶n­bÞ­tæn­thÊt­riªng

• Chi­phÝ­tæn­thÊt­riªng­(chi­phÝ­riªng):­chi­phÝ­cÇn­thiÕt­hîp­lý­nh»m­môc­®Ých­gi¶m­thiÓu,­h¹n­chÕ­tæn­thÊt.

­BH­chØ­båi­th­êng­nÕu

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Tæn­thÊt­chung­(general­Average)

• §Þnh­nghÜa­–­Nguyªn­t¾c­x¸c­®Þnh

• §Æc­tr­ng­cña­TTC

• Néi­dung­cña­TTC

• Tr¸ch­nhiÖm­cña­c¸c­bªn­khi­x¶y­ra­TTC

• LuËt­lÖ­gi¶i­quyÕt­TTC

• Ph©n­bæ­TTC

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§Þnh nghÜa – Nguyªn t¾c x¸c ®Þnh

• §N:­ TTC­ lµ­ nh÷ng­ hi­ sinh­ hay­ chi­ phÝ­ ®Æc­biÖt­®­îc­tiÕn­hµnh­mét­c¸ch­h÷u­ý­vµ­hîp­lý­nh»m­ môc­ ®Ých­ cøu­ tµu,­ hµng­ vµ­ c­íc­ phÝ­tho¸t­khái­mét­sù­nguy­hiÓm­chung,­ thùc­sù­®èi­ víi­ chóng­ trong­ mét­ hµnh­ tr×nh­ chung­trªn­biÓn.

c¸c­quyÒn­lîi­cã­mÆt­trong­hµnh­tr×nh:

• Nguyªn­t¾c­x¸c­®Þnh:- TTC­ph¶i­v×­an­toµn­chung- Nh÷ng­ chi­ phÝ­ ph¸t­ sinh­ tuy­ kh«ng­ ph¶i­ lµ­

cÇn­thiÕt­®Ó­tr¸nh­hiÓm­ho¹­cho­tµu­vµ­hµng­nh­ng­ lµ­ hËu­ qu¶­ trùc­ tiÕp­ cña­ hµnh­ ®éng­TTC­ vµ­ v×­ lîi­ Ých­ chung­ nªn­ còng­ ®­îc­ c«ng­nhËn­lµ­TTC.

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§Æc tr ng cña tæn thÊt chung

1/ Ph¶i­ cã­ nguy­ c¬­ thùc­ sù,­ ®e­ do¹­nghiªm­träng­tíi­toµn­bé­hµnh­tr×nh

2/ Ph¶i­cã­hµnh­®éng­TTC-­ Hµnh­ ®éng­ TTC­ lµ­ hµnh­ ®éng­ hoµn­toµn­ tù­nguyÖn­vµ­cã­dông­ý­cña­ng­êi­trªn­ tµu­ nh»m­ môc­ ®Ých­ cøu­ toµn­ bé­hµnh­tr×nh­tho¸t­khái­hiÓm­ho¹.

3/ Hi­sinh­vµ­chi­phÝ­bá­ra­ph¶i­bÊt­th­êng­vµ­v×­an­toµn­chung

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§Æc tr ng cña tæn thÊt chung

4/ Hi­sinh­vµ­chi­phÝ­bá­ra­ph¶i­hîp­lý

5/ Tæn­ thÊt­ lµ­ hËu­qu¶............................­ cña­ hµnh­ ®éng­TTC

6/ TTC­chØ­x¶y­ra­............................

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Néi dung cña tæn thÊt chung

1/ Hi­sinh­tæn­thÊt­chung­(HSTTC)Lµ­sù­hi­sinh­mét­phÇn­tµi­s¶n­®Ó­cøu­

nh÷ng­tµi­s¶n­cßn­l¹i­trong­hµnh­®éng­TTC

2/ Chi­phÝ­tæn­thÊt­chung­(CPTTC)­Lµ­nh÷ng­chi­phÝ­ph¶i­tr¶­cho­ng­êi­thø­

ba­trong­viÖc­cøu­tµu,­hµng­vµ­c­íc­phÝ­tho¸t­n¹n­hoÆc­nh÷ng­chi­phÝ­lµm­cho­tµu­tiÕp­tôc­hµnh­tr×nh

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Chi phÝ tæn thÊt chung bao gåm:

+­chi­phÝ­lµm­næi­tµu­khi­m¾c­c¹n+­chi­phÝ­thuª­lai­d¾t­kÐo­tµu+­chi­phÝ­t¹i­c¶ng­l¸nh­n¹n-­chi­phÝ­ra­vµo­c¶ng­l¸nh­n¹n-­chi­phÝ­dÞch­chuyÓn,­xÕp­dì­hµng­ho¸,­nhiªn­liÖu,­®å­dù­tr÷-­chi­phÝ­l­u­kho,­l­u­b·i­hµng­ho¸-­chi­phÝ­t¨ng­thªm­cña­nhiªn­liÖu-­chi­phÝ­söa­ch÷a­t¹m­thêi,­thay­thÕ­phô­tïng+­ tiÒn­ l·i­ cña­ sè­ tiÒn­ ®­îc­ c«ng­ nhËn­ lµ­tæn­thÊt­chung

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Tr¸ch nhiÖm cña c¸c bªn khi x¶y ra TTC

- Chñ­tµu:+­tuyªn­bè­TTC+­mêi­chuyªn­viªn­G§TT+­mêi­chuyªn­viªn­ph©n­bæ­TTC+­lËp­kh¸ng­nghÞ­hµng­h¶i­(nÕu­

cÇn)+­göi­2­VB­cam­®oan­®ãng­gãp­

TTC­cho­chñ­hµngB¶n­cam­®oan­®ãng­gãp­TTC­(Average­

Bond)

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Tr¸ch nhiÖm cña c¸c bªn khi x¶y ra TTC

GiÊy­cam­®oan­§GTTC­(Average­Guarantee):

Kh«ng­cã­b¶o­l·nh:

- Chñ­hµng:­+­kª­khai­bæ­sung­gi¸­trÞ­hµng­ho¸­(nÕu­cÇn)+­nhËn­2­VBC§§GTTC­tõ­thuyÒn­tr­ëng

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LuËt lÖ gi¶i quyÕt TTC

- Quy­t¾c­York­1864- Quy­t¾c­York­–­Antwerp­1924

+­1950,­1974,1990,1994,­2004+­§K­gi¶i­thÝch+­§K­tèi­cao+­§K­ký­hiÖu­mÉu­tù+­§K­ký­hiÖu­sè

37

Ph©n bæ tæn thÊt chung

- Lµ­viÖc­tÝnh­to¸n­ph©n­chia­sè­tiÒn­mµ­c¸c­quyÒn­lîi­®­îc­cøu­tho¸t­cã­nghÜa­vô­®ãng­gãp­vµo­TTC.

- B­íc­1:­x¸c­®Þnh­chØ­sè­ph©n­bæ­tæn­thÊt­chung­­(tû­lÖ­®ãng­gãp):

38

Ph©n bæ tæn thÊt chung

­X¸c­®Þnh­gi¸­trÞ­chÞu­ph©n­bæ­cña­tµu,­hµng:

39

Ph©n bæ tæn thÊt chung

- B­íc­2:­x¸c­®Þnh­sè­tiÒn­ph¶i­®ãng­gãp­ vµo­ TTC­ cña­ tõng­ quyÒn­ lîi­(Contribution):

- B­íc­3:­x¸c­®Þnh­kÕt­qu¶­tµi­chÝnh­cña­tõng­quyÒn­lîi:

40

II.­B¶o­hiÓm­hµng­ho¸­xuÊt­nhËp­khÈuchuyªn­chë­b»ng­®­êng­biÓn

1. Sù­cÇn­thiÕt­cña­BHHHXNKCCB§B

2. C¸c­®iÒu­kiÖn­b¶o­hiÓm

3. Ph¹m­vi­tr¸ch­nhiÖm­cña­ng­êi­b¶o­hiÓm

4. Hîp­®ång­b¶o­hiÓm

5. Gi¸m­®Þnh,­khiÕu­n¹i­vµ­båi­th­êng­tæn­thÊt

41

1. Sù cÇn thiÕt cña BH HHXNK chuyªn chë b»ng ® êng biÓn

1/­VËn­t¶i­§B­chøa­®ùng­nhiÒu­rñi­ro2/­ VËn­ tèc­ chËm,­ hµnh­ tr×nh­ kÐo­ dµi,­x¸c­suÊt­x¶y­ra­rñi­ro­cao3/­ Khèi­ l­îng­ vµ­ trÞ­ gi¸­ HH­ chuyªn­ chë­b»ng­§B­lín4/­Tr¸ch­nhiÖm­cña­ng­êi­chuyªn­chë­§B­theo­c¸c­C¦QT­cßn­rÊt­h¹n­chÕ5/­ BH­ cho­ HHXNK­ chuyªn­ chë­ b»ng­ §B­tõ­l©u­®·­trë­thµnh­mét­tËp­qu¸n­trong­TMQT

42

2. C¸c ®iÒu kiÖn b¶o hiÓm

2.1.­C¸c­®iÒu­kiÖn­b¶o­hiÓm­cña­Anha.­ SG­ form­ 1779­ (§¬n­ b¶o­ hiÓm­ dµnh­cho­tµu,­hµng­cña­Lloyd’s­n¨m­1779)b. ­ ICC­ 1963­ (Bé­ c¸c­ §KBH­ dµnh­ cho­hµng­hãa­cña­ILU­n¨m­1963)c. ICC­ 1982­ (Bé­ c¸c­ §KBH­ dµnh­ cho­hµng­hãa­cña­ILU­n¨m­1982)d.­ ICC­ 2009­ (Bé­ c¸c­ §KBH­ dµnh­ cho­hµng­ho¸­cña­ILU­n¨m­2009)

43

a. SG form 1779

• Lµ­mÉu­®¬n­b¶o­hiÓm­do­Lloyd’s­ph¸t­hµnh­ n¨m­ 1779­ (The­ ship­ and­ good­form­of­Marine­Insurance­Policy)

Dµnh­cho­c¶­tµu­vµ­hµng­­bÊt­cËp Sö­ dông­ tiÕng­ Anh­ cæ­ lµm­ cho­ viÖc­

diÔn­®¹t­c¸c­rñi­ro­lµ­kh«ng­râ­rµng,­dÔ­g©y­hiÓu­nhÇm

44

b. ICC 1963

• ILU­(Institute­of­London­Underwriters)• Gåm­5­§KBH­chñ­yÕu:

1/ FPA­–­Free­of­Particular­Average2/­WA­–­With­Average3/­AR­–­All­Risks4/­WR­–­War­Risk5/­SRCC­–­Strikes,­Riots,­Civil­Commotion

45

b. ICC 1963

• ­u­®iÓm:­-­ChØ­dµnh­cho­hµng­ho¸-­Cã­nhiÒu­§KBH­cho­ng­êi­tham­gia­BH­lùa­chän-­Cã­hai­§KBH­®Æc­biÖt­cho­rñi­ro­CT,­§C• Nh­îc­®iÓm:­-­VÉn­sö­dông­tiÕng­Anh­cæ-­ViÖc­gäi­tªn­c¸c­§KBH­theo­nghÜa­vô­chÝnh­lµ­

kh«ng­hîp­lý,­dÔ­g©y­hiÓu­nhÇm-­Ch­a­®Ò­cËp­®Õn­RR­c­íp­biÓn­trong­§KBH­gèc-­B¾t­buéc­sö­dông­mÉu­SG­form

46

c. ICC 1982

• ICC­1963­­ICC­1982­• Gåm­5­§KBH­chñ­yÕu:

1/­C2/­B3/­A4/­WR­5/­SRCC

47

2. C¸c ®iÒu kiÖn b¶o hiÓm

2.2.­C¸c­®iÒu­kiÖn­b¶o­hiÓm­cña­ViÖt­Nam

• QTC­1965:

• QTC­1990:

QTCB­1995,­QTCB­1998,­QTCB­2004

48

3. Ph¹m vi tr¸ch nhiÖm cña ng êi BH – ICC 1982

3.1.­TN­cña­ng­êi­BH­theo­A,­B,­Ca. TN­®èi­víi­rñi­ro,­tæn­thÊtb. Kh«ng­gian­vµ­thêi­gian­tr¸ch­nhiÖm

3.2.­ TN­ cña­ ng­êi­ BH­ theo­ §KBH­ WR,­ SRCC­(SGK)a. §KBH­chiÕn­tranh­–­WR­b. §KBH­®×nh­c«ng­–­SRCC­

49

3.1. TN cña ng êi BH theo A, B, C

a. TN­®èi­víi­rñi­ro,­tæn­thÊt• Rñi­ro­®­îc­b¶o­hiÓm:• Rñi­ro­lo¹i­trõ:

- Rñi­ro­lo¹i­trõ­t­¬ng­®èi- Rñi­ro­lo¹i­trõ­tuyÖt­®èi

50

Rñi ro, tæn thÊt ® îc b¶o hiÓm (C)

1/­ M¾c­ c¹n,­ ch×m­ ®¾m,­ ch¸y­ næ,­®©m­va,­lËt­óp2/­Dì­hµng­t¹i­c¶ng­l¸nh­n¹n3/­Ph­¬ng­tiÖn­vËn­chuyÓn­®­êng­bé­bÞ­lËt­®æ­hoÆc­trËt­b¸nh4/­Tµu­vµ­hµng­mÊt­tÝch5/­Vøt­hµng­xuèng­biÓn6/ ­Hi­sinh­tæn­thÊt­chung

51

Rñi ro, tæn thÊt ® îc b¶o hiÓm (C)

7/C¸c­chi­phÝ­hîp­lý:- Møc­ ............................­ ®­îc­ ph©n­ bæ­

cho­CH- Chi­phÝ­............................- Chi­phÝ­............................- Chi­phÝ­............................- Chi­phÝ­............................- Chi­ phÝ­ dì­ hµng,­ l­u­ kho­ b·i­ vµ­ tiÕp­ göi­

hµng­t¹i­c¶ng­l¸nh­n¹n- PhÇn­ TN­ mµ­ chñ­ hµng­ ph¶i­ chÞu­

theo.....................

52

PhÇn tr¸ch nhiÖm mµ chñ hµng ph¶i chÞu theo §K “Both – to –

blame collission”­

53

Rñi ro, tæn thÊt ® îc b¶o hiÓm (B)

§iÒu­kiÖn­B­=­

8/ §éng­®Êt,­nói­löa­phun,­sÐt­®¸nh9/ N­íc­cuèn­khái­tµu10/­ N­íc­ biÓn,­ s«ng,­ hå­ trµn­ vµo­ hÇm­

tµu,­ khoang­ chøa­ hµng,­ xµ­ lan,­container,­ph­¬ng­tiÖn­vËn­t¶i

11/­ ............................­do­r¬i­khái­tµu­hoÆc­ bÞ­ r¬i­ trong­ qu¸­ tr×nh­ xÕp­ dì­xuèng­tµu­ hoÆc­xµ­lan

54

Rñi ro, tæn thÊt ® îc b¶o hiÓm (A)

• Båi­ th­êng­ mäi­ mÊt­ m¸t,­ h­­ háng­ cña­§TBH­trõ­..................................

LiÖt­kª­cô­thÓ­c¸c­rñi­ro­lo¹i­trõ:- Rñi ro lo¹i trõ t ¬ng ®èi:­ ph¶i­ b¶o­

hiÓm­riªng­theo­c¸c­§KBH­®Æc­biÖt:1. ChiÕn­tranh­­§KBH­WR2. §×nh­c«ng­­§KBH­SRCC- Rñi ro lo¹i trõ (tuyÖt ®èi)

55

Rñi ro lo¹i trõ tuyÖt ®èi

­ Trong­ mäi­ tr­êng­ hîp­ kh«ng­ b¶o­ hiÓm­cho:1/ ­Lçi­cç­ý­cña­ng­êi­®­îc­b¶o­hiÓm2/­ Rß­ rØ­ hay­ hao­ hôt­ th«ng­ th­êng­ vÒ­träng­ l­îng,­ khèi­ l­îng,­ hao­ mßn­ tù­ nhiªn­cña­hµng3/ ­ Bao­ b×­ kh«ng­ ®Çy­ ®ñ­ hoÆc­kh«ng­thÝch­hîp4/ ­Néi­tú,­Èn­tú­cña­hµng­ho¸5/­XÕp­hµng­qu¸­t¶i­hoÆc­sai­quy­c¸ch

56

Rñi ro lo¹i trõ tuyÖt ®èi

6/ MÊt­ kh¶­ n¨ng­ tù­ chñ­ vÒ­ tµi­ chÝnh­cña­chñ­tµu7/­ ThiÖt­ h¹i­ do­ chËm­ trÔ­ ngay­ c¶­ khi­chËm­trÔ­lµ­do­RR§BH­g©y­ra8/ ­ NhiÔm­ phãng­ x¹,­ ph¶n­ øng­ h¹t­nh©n,­n¨ng­l­îng­nguyªn­tö9/ ­ Tµu­ hoÆc­ xµ­ lan­ kh«ng­ ®ñ­ kh¶­n¨ng­ ®i­ biÓn­ hay­ t×nh­ tr¹ng­ kh«ng­thÝch­ hîp­ cña­ c¸c­ ph­¬ng­ tiÖn­ vËn­ t¶i­trong­chuyªn­chë

57

b. Kh«ng gian vµ thêi gian tr¸ch nhiÖm

• §iÒu­kho¶n­hµnh­tr×nh­(transit­clause):- Tr¸ch­ nhiÖm­ cña­ ng­êi­ b¶o­ hiÓm­b¾t­ ®Çu­ kÓ­ tõ­ khi­ hµng­ ho¸­ rêi­ kho­hoÆc­n¬i­chøa­hµng­t¹i­®Þa­®iÓm­ghi­trªn­ H§BH,­ cã­ hiÖu­ lùc­ trong­ suèt­ qu¸­tr×nh­vËn­chuyÓn­b×nh­th­êng­vµ­tr¸ch­nhiÖm­ ®ã­ kÕt­ thóc­ khi­ hµng­ ho¸­ giao­vµo­kho­®Õn­hoÆc­hÕt­60­ngµy­kÓ­tõ­khi­hµng­ho¸­®­îc­dì­ra­khái­tµu­t¹i­c¶ng­®Õn,­tuú­tr­êng­hîp­nµo­x¶y­ra­tr­íc

Gi¶i­thÝch­®iÒu­kho¶n­hµnh­tr×nh:

58

b. Kh«ng gian vµ thêi gian tr¸ch nhiÖm

- Kh«ng­gian:+­Kho­®i:­kho­t¹i­®ã­hµng­ho¸­®­îc­®ãng­gãi­hoµn­chØnh,­s½n­sµng­cho­viÖc­vËn­chuyÓn+­Kho­®Õn:

*­ kho­ cña­ ng­êi­ nhËn­ hµng­ quy­ ®Þnh­trong­H§BH­

*­kho­hoÆc­n¬i­chøa­hµng­tr­íc­khi­tíi­n¬i­®Õn­ hoÆc­ ë­ n¬i­ ®Õn­ mµ­ ng­êi­ ®­îc­ BH­ lùa­chän­®Ó:

­l­u­kho­ngoµi­HTVC­b×nh­th­êng­ph©n­phèi­hµng­ho¸

59

b. Kh«ng gian vµ thêi gian tr¸ch nhiÖm

-­Thêi­gian:+­B¾t­®Çu:­+­KÕt­thóc:

*­hµng­®­îc­®­a­vµo­kho­®Õn*­hÕt­60­ngµy­kÓ­tõ­ngµy­hµng­

®­îc­dì­ra­khái­tµu­t¹i­c¶ng­®Ých­§iÒu­kho¶n­

“...............................................”

60

3.2. TN cña ng êi BH theo 2 §KBH§B (SGK)

a.­§KBH­chiÕn­tranh­–­WR­• Rñi­ro,­tæn­thÊt­®­îc­b¶o­hiÓm• Kh«ng­gian­vµ­thêi­gian­tr¸ch­nhiÖm

b.­§KBH­®×nh­c«ng­–­SRCC• Rñi­ro,­tæn­thÊt­®­îc­b¶o­hiÓm• Kh«ng­gian­vµ­thêi­gian­tr¸ch­nhiÖm

61

a. §KBH­chiÕn­tranh­–­WR­

• Rñi­ro,­tæn­thÊt­®­îc­b¶o­hiÓm1/­ ChiÕn­ tranh,­ néi­ chiÕn,­ c¸ch­ m¹ng,­

khëi­nghÜa,­næi­lo¹n,­xung­®ét­d©n­sù­ ph¸t­ sinh­ tõ­ nh÷ng­ biÕn­ cè­ ®ã­hay­bÊt­cø­hµnh­®éng­thï­®Þch­nµo

2/BÞ­ chiÕm­ ®o¹t,­ tÞch­ thu,­ b¾t­ gi÷,­kiÒm­chÕ

3/Vò­khÝ­chiÕn­tranh­cßn­sãt­l¹i4/§ãng­gãp­tæn­thÊt­chung

62

a. §KBH­chiÕn­tranh­–­WR­

• Kh«ng­gian­vµ­thêi­gian­tr¸ch­nhiÖm:- ­Kh«ng­gian:­- Thêi­gian:

+­B¾t­®Çu:­+­KÕt­thóc:*­hµng­®­îc­dì­ra­khái­tµu­t¹i­

c¶ng­®Ých­quy­®Þnh*­hÕt­15­ngµy­kÓ­nöa­®ªm­ngµy­

tµu­cËp­c¶ng­®Ých­quy­®Þnh

63

b. §kbh­®×nh­c«ng­–­srcc­

• Rñi­ro,­tæn­thÊt­®­îc­b¶o­hiÓm1/§×nh­c«ng,­cÊm­x­ëng,­b¹o­®éng,­rèi­

lo¹n­lao­®éng­hay­næi­dËy­cña­d©n­chóng

2/Khñng­bè­hay­bÊt­cø­ng­êi­nµo­hµnh­®éng­v×­môc­®Ých­chÝnh­trÞ

3/Tæn­thÊt­chung­vµ­chi­phÝ­cøu­n¹n• Kh«ng­ gian­ vµ­ thêi­ gian­ tr¸ch­

nhiÖm:§iÒu­

kho¶n­.........................................

64

4. Hîp ®ång b¶o hiÓm

4.1.­Kh¸i­niÖm4.2.­TÝnh­chÊt4.3.­C¸c­chøng­tõ­liªn­quan­®Õn­H§BH4.4.­C¸c­lo¹i­hîp­®ång­b¶o­hiÓm4.5.­Mét­sè­néi­dung­chñ­yÕu­cña­H§BH

65

4.1.Kh¸i niÖm

• Kh¸i­ niÖm:­ lµ­ VB­ tho¶­ thuËn­ gi÷a­ hai­bªn,­trong­®ã­bªn­BH­cam­kÕt­sÏ­båi­th­êng­ cho­ bªn­ ®­îc­ BH­ nh÷ng­ tæn­ thÊt­cña­ §TBH­ do­ c¸c­ RR§BH­ g©y­ ra­ víi­ §K­bªn­®­îc­BH­®·­nép­phÝ­BH.­

66

4.2.TÝnh chÊt

- Lµ­mét­hîp­®ång­............................

- Lµ­mét­hîp­®ång............................

- Lµ­mét­chøng­tõ............................

67

4.3. C¸c chøng tõ liªn quan ®Õn H§BH

• GiÊy­yªu­cÇu­b¶o­hiÓm:­kh«ng­cã­gi¸­ trÞ­ph¸p­ lý­nh­ng­ lµ­c¬­së­

®Ó­lËp­chøng­tõ­b¶o­hiÓm­• Chøng­tõ­b¶o­hiÓm:­®¬n­BH­hoÆc­giÊy­

chøng­nhËn­BHLµ­b»ng­chøng­cña­H§BH­®·­®­îc­ký­kÕtLµ­c¬­së­ph¸p­ lý­gi¶i­quyÕt­ tranh­chÊp­

ph¸t­sinh• V¨n­ b¶n­ söa­ ®æi­ bæ­ sung­

(Endorsement)

68

§¬n b¶o hiÓm

• MÆt­tr­íc:­lµ­c¸c­«,­cét,­môc­®Ó­trèng­®Ó­ng­êi­lËp­®¬n­BH­®iÒn­th«ng­tin­vµo,­bao­gåm:

+ Tªn,­®Þa­chØ­cña­ng­êi­BH­vµ­ng­êi­®­îc­BH+ Tªn­hµng,­sè­l­îng,­träng­l­îng,­sè­vËn­®¬n+ Tªn­tµu,­ngµy­khëi­hµnh+ C¶ng­ ®i,­ c¶ng­ ®Õn,­ c¶ng­ chuyÓn­ t¶i­ (nÕu­

cã)+ §KBH,­A,­V,­R,­I+ N¬i­vµ­c¬­quan­gi¸m­®Þnh­tæn­thÊt+ N¬i­vµ­c¸ch­thøc­båi­th­êng+ Ngµy,­th¸ng­vµ­ch÷­ký­cña­ng­êi­BH• MÆt­sau:­ in­ s½n­quy­ t¾c,­ thÓ­ lÖ,­ §KBH­cña­

c«ng­ty­BH

69

4.4.C¸c lo¹i hîp ®ång b¶o hiÓm

a. H§BH­chuyÕnb. H§BH­baoc. H§BH­®Þnh­gi¸d. H§BH­kh«ng­®Þnh­gi¸

70

a. H§BH chuyÕn (Voyage Policy)

• Lµ­ hîp­ ®ång­ BH­ cho­ mét­ chuyÕn­hµng­ ®­îc­ chuyªn­ chë­ tõ­ ®Þa­ ®iÓm­nµy­ ®Õn­®Þa­ ®iÓm­ kh¸c­quy­®Þnh­trªn­H§BH

• HiÖu­lùc:­

• H×nh­thøc:

71

b. H§BH bao/ më (Cover/ Open Policy)

• Lµ­ H§BH­ cho­ nhiÒu­ chuyÕn­ hµng­trong­mét­thêi­gian­nhÊt­®Þnh.

• ­u­®iÓm:

• HiÖu­lùc:

• H×nh­thøc:

72

c. H§BH ®Þnh gi¸ (Valued Policy)

• §228.2c­BLHH­2005:­§¬n­BH­®Þnh­gi¸­lµ­§BH­trong­®ã­ng­êi­BH­®ång­ý­tr­íc­gi¸­trÞ­cña­§TBH­ghi­trong­§BH,­phï­hîp­víi­gi¸­ trÞ­®­îc­BH­vµ­®­îc­sö­dông­khi­gi¶i­quyÕt­båi­th­êng­tæn­thÊt­toµn­bé­hoÆc­båi­th­êng­tæn­thÊt­bé­phËn

V:­

73

c. H§BH ®Þnh gi¸ (Valued Policy)

• §228.2d­ BLHH­ 2005:­ §¬n­ BH­ kh«ng­®Þnh­gi¸­lµ­§BH­kh«ng­ghi­gi¸­trÞ­cña­§TBH­nh­ng­sè­tiÒn­b¶o­hiÓm­ph¶i­®­îc­ghi­râ­trong­§BH

74

4.5. Mét sè néi dung chñ yÕu cña H§BH

a. Ng­êi­®­îc­b¶o­hiÓmb. §èi­t­îng­b¶o­hiÓmc. TrÞ­gi¸­b¶o­hiÓm­d. Sè­tiÒn­b¶o­hiÓme. PhÝ­b¶o­hiÓm

75

a. Ng êi ® îc b¶o hiÓm

• Ng­êi­XK:

• Ng­êi­NK:

76

C¨n cø ®Ó mua BH ®óng cho hµng ho¸

+­ §Æc­ ®iÓm,­ tÝnh­ chÊt­ cña­ hµng­ho¸

+­ C¸ch­ thøc­ ®ãng­ gãi­ vµ­ lo¹i­ bao­b×­

+­C¸ch­thøc­xÕp­hµng+­Ph­¬ng­tiÖn­vËn­chuyÓn+­Hµnh­tr×nh­chuyªn­chë+­T×nh­tr¹ng­cña­c¶ng­xÕp­dì

77

b. §èi t îng b¶o hiÓm

• Hµng­ho¸­XNK­chuyªn­chë­b»ng­®­êng­biÓn

• L·i­ dù­ tÝnh­ (nÕu­ cã­ yªu­ cÇu):­ lµ­ mét­ tû­ lÖ­phÇn­tr¨m­nhÊt­®Þnh­cña­gi¸­CIF.­

78

c. TrÞ gi¸ b¶o hiÓm - V

• §232­BLHH­2005:­Gi¸­trÞ­BH­cña­hµng­ho¸­lµ­gi¸­trÞ­hµng­ho¸­ghi­trªn­ho¸­®¬n­ë­n¬i­bèc­hµng­hoÆc­gi¸­thÞ­tr­êng­ë­n¬i­vµ­thêi­®iÓm­hµng­céng­víi­phÝ­BH,­tiÒn­c­íc­vËn­chuyÓn­vµ­cã­thÓ­c¶­tiÒn­l·i­­íc­tÝnh

79

d. Sè tiÒn b¶o hiÓm - A

• Nguyªn­t¾c:­A­<=­V- A­<­V- A­=­V-­ A­>­V­

• B¶o­hiÓm­trïng­(§234):­lµ­tr­êng­hîp­mét­§TBH­®­îc­ BH­ theo­ hai­ hay­ nhiÒu­ c«ng­ ty­ BH­ cho­cïng­mét­rñi­ro­hµng­h¶i­mµ­tæng­sè­tiÒn­BH­cña­tÊt­c¶­c¸c­®¬n­BH­®ã­ l¹i­v­ît­qu¸­ trÞ­gi¸­BH

båi­th­êng­theo­nguyªn­t¾c...............................

80

e. PhÝ b¶o hiÓm - I

• C«ng­thøc:

• Nép­phÝ­BH­(DD240­BLHH­2005):­nép­ngay­sau­khi­®­îc­cÊp­§BH­hoÆc­GCNBH

81

f. Tû lÖ phÝ b¶o hiÓm - R

• R:­tû­lÖ­phÝ­b¶o­hiÓm• R­phô­thuéc­vµo­c¸c­yÕu­tè­sau:

- ®Æc­®iÓm,­tÝnh­chÊt­cña­hµng­ho¸-­ c¸ch­®ãng­gãi,­bao­b×- ph­¬ng­tiÖn­vËn­chuyÓn­(tµu­giµ­­®ãng­thªm­phô­phÝ­tµu­giµ)- hµnh­tr×nh­vËn­chuyÓn- ®iÒu­kiÖn­b¶o­hiÓm

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5. Gi¸m ®Þnh, khiÕu n¹i vµ båi th êng tæn thÊt

5.1.­Gi¸m­®Þnh­tæn­thÊt5.2.­KhiÕu­n¹ia. Thêi­h¹n­khiÕu­n¹ib. Bé­hå­s¬­khiÕu­n¹i5.3.­Båi­th­êng­tæn­thÊta. Nguyªn­t¾cb. C¸ch­tÝnh­sè­tiÒn­båi­th­êngc. Thêi­h¹n­båi­th­êng

83

5.1. Gi¸m ®Þnh tæn thÊt• Tr¸ch­nhiÖm­G§TT:­

• Môc­®Ých:- ­X¸c­®Þnh­............................­dÉn­®Õn­TT- X¸c­®Þnh­............................­cña­TT- Ph©n­®Þnh­............................­cña­c¸c­bªn­liªn­quan

­• KQG§TT:­chøng­th­­G§TT

- BBG§TT­(Survey­Report)- GCNG§TT­(Certificate­Report)

84

5.2. KhiÕu n¹i

a. Thêi­h¹n­khiÕu­n¹i• ICC­1963/­QTC­1965:­ ...­n¨m­kÓ­tõ­ngµy­x¶y­

ra­tæn­thÊt­hoÆc­ph¸t­hiÖn­tæn­thÊt• ICC­1982/­QTC­1990:­ ...­n¨m­kÓ­tõ­ngµy­xay­

ra­tæn­thÊt­hoÆc­ph¸t­hiÖn­tæn­thÊt• Bé­ LuËt­ HHVN­ 2005­ (§257):­ ...­ n¨m­ kÓ­ tõ­

ngµy­ph¸t­sinh­quyÒn­khiÕu­n¹i• Trong­tr­êng­hîp­tæn­thÊt­cã­liªn­quan­®Õn­ng­

êi­thø­ba­cã­lçi:­...­th¸ng­kÓ­tõ­ngµy­ph¸t­sinh­quyÒn­khiÕu­n¹i

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5.2. KhiÕu n¹i

b. Bé­hå­s¬­khiÕu­n¹i• Yªu­cÇu­vÒ­h×nh­thøc:

­- §Çy­®ñ:+­§ñ­c¸c­lo¹i­chøng­tõ­cÇn­thiÕt+­ §ñ­ sè­ l­îng­ c¸c­ b¶n­ víi­ mçi­ lo¹i­

chøng­tõ- Hîp­lÖ:

+­Néi­dung­kh«ng­m©u­thuÉn+­ Bé­ HSKN­ ph¶i­ ®­îc­ göi­ trong­ thêi­

h¹n­KN• Yªu­cÇu­vÒ­néi­dung:­ Yªu­ cÇu­ vÒ­ c¸c­ lo¹i­ chøng­ tõ­ trong­ bé­

HSKN

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Chøng tõ trong bé HSKN ng êi b¶o hiÓm

1/­§¬n­khiÕu­n¹i2/­§¬n­BH­hoÆc­GCNBH3/­ Chøng­ tõ­ vÒ­ hµng­ ho¸­ (H§MB,­H§TM…)4/­B/L­hoÆc­C/P5/ Chøng­tõ­b¶o­l­u­quyÒn­KN­ng­êi­thø­ba­6/­Kh¸ng­nghÞ­hµng­h¶i/­NhËt­ký­hµng­h¶i7/­§èi­víi­tõng­tr­êng­hîp­cô­thÓ:

• Hµng­®æ­vì,­h­­háng,­gi¶m­phÈm­chÊt:+­Biªn­b¶n­gi¸m­®Þnh­tæn­thÊt­(Survey­Report)

87

Chøng tõ trong bé HSKN ng êi b¶o hiÓm

+­Biªn­b¶n­dì­hµng­(COR)+­Biªn­b¶n­®æ­vì­h­­háng­do­C¶ng­g©y­ra+­Th­­dù­kh¸ng­(LOR)­nÕu­nghi­ngê­tæn­thÊt

• Hµng­bÞ­thiÕu­nguyªn­bao,­nguyªn­kiÖn:+­B¶n­kÕt­to¸n­nhËn­hµng­víi­tµu­(ROROC)+­GiÊy­chøng­nhËn­hµng­thiÕu+­KÕt­to¸n­l¹i­(nÕu­cã)

• TTC:­+­Tuyªn­bè­tæn­thÊt­chung+­B¶n­tÝnh­to¸n­ph©n­bæ­tæn­thÊt­chung+­ 2­ v¨n­ b¶n­ cam­ ®oan­ ®ãng­ gãp­ tæn­ thÊt­chung

88

5.3. Båi th êng tæn thÊt

a. Nguyªn­t¾c

b. C¸ch­tÝnh­sè­tiÒn­båi­th­êng

c. Thêi­h¹n­båi­th­êng

89

a. Nguyªn t¾c

• Båi­th­êng­............................• Giíi­h¹n­tr¸ch­nhiÖm­cña­ng­êi­BH:­STBT­

≤ A

-­ Ng­êi­ BH­ vÉn­ ph¶i­ chÞu­ TN­ ®èi­ víi­ sè­tæn­thÊt­céng­víi­c¸c­chi­phÝ­hîp­lý­cho­dï­tæng­sè­tiÒn­båi­th­êng­cã­thÓ­v­ît­qu¸­A.­-­C¸c­chi­phÝ­hîp­lý­bao­gåm:

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a. Nguyªn t¾c

• Tr­íc­ khi­ båi­ th­êng,­ ng­êi­ BH­ ®­îc­phÐp­ ............................­ c¸c­ kho¶n­ tiÒn­mµ­ ng­êi­ ®­îc­ b¶o­ hiÓm­ ®·­ ®ßi­ ®­îc­ tõ­ng­êi­thø­ba­cã­TN­®èi­víi­TT

• Sau­ khi­ båi­ th­êng,­ ng­êi­ BH­ ®­îc­phÐp­............................­ng­êi­®­îc­BH­®i­®ßi­ng­êi­ thø­ba­phÇn­TT­thuéc­TN­cña­ng­êi­®ã

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b. C¸ch tÝnh sè tiÒn båi th êng

• Tæn­thÊt­riªng:- Tæn­thÊt­toµn­bé:+­TTTBTT:­+­TTTB¦T:­

*­Cã­tõ­bá­hµng­vµ­®­îc­chÊp­nhËn:­

*­ Kh«ng­ tõ­ bá­ hµng­ hoÆc­ tõ­ bá­kh«ng­®­îc­chÊp­nhËn:

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b. C¸ch tÝnh sè tiÒn båi th êng

• Tæn­thÊt­riªng:- Tæn­thÊt­bé­phËn:­

+­A­=­V­­ ­­­­­­­­­ ­­

(1)­­­­­

+­A­<­V­­ ­­(2)

­­­­­­­ ­­­­­­­­­

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b. C¸ch tÝnh sè tiÒn båi th êng

• Tæn­thÊt­chung:­

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c. Thêi h¹n båi th êng

… ngµy­kÓ­tõ­ngµy­nhËn­®­îc­bé­HSKN­®Çy­®ñ­vµ­hîp­lÖ