PruQuote v2.1B - Hoan Hoa 8tr

BNG MINH HA QUYN LI BO HIM Ph-An Gia Thnh TiTHNG TIN DOANH NGHIP Cng ty TNHH BHNT Prudential Vit Nam; Giy php: 15/GPKDBH do B Ti chnh cp ngy 15/11/2004; Vn iu l: 75 triu -la M; Tr s chnh: Tng 25, TTTM Si Gn, 37 Tn c Thng, Qun 1, TP. H Ch Minh; in thoi: (08) 39100999; Fax: (08) 39100899; Website: http://www.prudential.com.vn THNG TIN KHCH HNG H v tn Bn mua bo him: Ngi c bo him chnh (NBH chnh): Ngi c bo him b sung 1 (NBHBS 1): Ngi c bo him b sung 2 (NBHBS 2)/Ngi th hng Quyn li hc vn: a ch lin h: THNG TIN SN PHM BO HIMSn phm Sn phm chnh Ph-An Gia Thnh Ti (La chn 2) Ph gim cho hp ng c s tin bo him ln: Ph bo him sau khi gim: Sn phm b tr 1 HSR4 Bo him chm sc sc khe (*) 2 OPW3 Bo him t b thu ph ngi hn phi 3 TLR1 Bo him nhn th c k hn 4 ADD2 Bo him cht v tn tt do tai nn m rng (*) 5 HSR4 Bo him chm sc sc khe (*) 6 TLR3 Bo him nhn th c k hn (dnh cho tr em) Tng ph bo him ca sn phm chnh v (cc) sn phm b tr Ngi c bo him Thi hn hp ng

Lun lun lng nghe. Lun lun thu hiu

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THNG TIN I L BO HIM H v tn: TEST in thoi: .. M s i l: 88888888 Nhm ngh nghip 2 2 2 n v tnh: ngThi hn ng ph S tin bo him Ph bo him hng nm

Gii tnh Nam N N

Tui 28 29 1

CMND/H chiu/ Khai sinh

Nguyn Quc Hon Nguyn Quc Hon Nng Th Ho Nguyn Thu Trinh

NBH chnh

21

17

100.000.000

6.730.000 (300.000) 6.430.000

NBH chnh

NBHBS 1

NBHBS 2

17 17 17 17 17 17

17 17 17 17 17 17

200.000 50.000.000 50.000.000 200.000 50.000.000

420.000 166.300 216.500 175.000 420.000 195.000 8.022.800

Tng ph bo him theo nh k:

Nm 8.022.800

Na nm 4.252.100

Qu 2.246.400

Thng 802.300

Ghi ch: (*) Ph bo him ca (cc) sn phm ny c th thay i theo s chp thun ca B Ti chnh. Ph bo him ca (cc) sn phm cn li c m bo trong sut thi hn hp ng. Ph bo him c trnh by trn y l ph tnh cho ngi c sc khe trung bnh theo tiu chun ca Prudential. Ph bo him thc t s da trn kt qu thm nh ca Prudential.

Bn mua bo him: Ngi c bo him chnh:

Nguyn Quc Hon Nguyn Quc Hon

Minh ha s: i l bo him:

84001000001 TEST

Phin bn: Ngy:

PruQuote v2.1B -PTE 11/02/2012 13:44:42

BNG MINH HA QUYN LI BO HIM Ph-An Gia Thnh TiTHNG TIN V QUYN LI CA HP NG BO HIM A. QUYN LI BO HIM CA HP NG (C M BO)SN PHM Dnh cho Ngi c bo him chnh: NGUYN QUC HON Ph-An Gia Thnh Ti (La chn 2) T vong Thng tt ton b v vnh vin Nm vin 1 Bo him chm sc sc khe Nm vin ti khoa chm sc c bit Phu thut Dnh cho Ngi c bo him b sung 1: NNG TH HO 2 3 Bo him t b thu ph ngi hn phi Bo him nhn th c k hn T vong hoc Thng tt ton b v vnh vin T vong Thng tt ton b v vnh vin B tn tt (theo mc tn tt) hoc b phng nng hoc t vong do tai nn T vong do tai nn khi ang l hnh khch c mua v trn xe but hoc xe la T vong do tai nn khi ang l hnh khch c mua v trn cc chuyn bay thng mi Nm vin 5 Bo him chm sc sc khe Nm vin ti khoa chm sc c bit Phu thut 100.000.000 100.000.000 200.000 400.000 1.000.000 S KIN BO HIM QUYN LI BO HIM


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n v tnh: ngGHI CH

c chi tr thnh 10 ln trong 10 nm Cho mi Ngy nm vin; c chi tr ti a 100 Ngy nm vin cng dn trong mt Nm hp ng Cho mi Ngy nm vin ti khoa chm sc c bit; c chi tr ti a 30 Ngy nm vin cng dn trong mt Nm hp ng Cho mt ca phu thut

4

Bo him cht v tn tt do tai nn m rng

Min ng ph trong tng lai cho ton b hp ng 50.000.000 50.000.000 50.000.000 (ti a) 100.000.000 (ti a) 150.000.000 (ti a) 200.000 400.000 1.000.000

c chi tr thnh 10 ln trong 10 nm

Cho mi Ngy nm vin; c chi tr ti a 100 Ngy nm vin cng dn trong mt Nm hp ng Cho mi Ngy nm vin ti khoa chm sc c bit; c chi tr ti a 30 Ngy nm vin cng dn trong mt Nm hp ng Cho mt ca phu thut




84001000001 TEST

Phin bn: Ngy:

PruQuote v2.1B -PTE 11/02/2012 13:44:42

BNG MINH HA QUYN LI BO HIM Ph-An Gia Thnh TiSN PHM S KIN BO HIM QUYN LI BO HIM


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GHI CH

Dnh cho Ngi c bo him b sung 2/Ngi th hng Quyn li hc vn: NGUYN THU TRINH 6 Bo him nhn th c k hn (dnh cho tr em) T vong Thng tt ton b v vnh vin 50.000.000 50.000.000 c chi tr thnh 10 ln trong 10 nm

Ghi ch: Chi tit v quyn li ca (cc) sn phm bo him nu trn c quy nh c th trong Quy tc, iu khon ca sn phm. (Cc) Sn phm b tr trn y l (cc) sn phm bo him khng c bo tc.




84001000001 TEST

Phin bn: Ngy:

PruQuote v2.1B -PTE 11/02/2012 13:44:42

BNG MINH HA QUYN LI BO HIM Ph-An Gia Thnh TiB. MINH HA QUYN LI CA SN PHM CHNHNm hp ng 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 Tui NBH chnh 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 Ph bo him hng nm Tng ph bo him ng 6.430.000 12.860.000 19.290.000 25.720.000 32.150.000 38.580.000 45.010.000 51.440.000 57.870.000 64.300.000 70.730.000 77.160.000 83.590.000 90.020.000 96.450.000 102.880.000 109.310.000 Quyn li bo him m bo (a) 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 100.000.000 QUYN LI BO HIM MINH HA Li chia cui Bo tc hp ng tch ly (c) (b) 3.250.000 6.605.600 10.070.300 13.647.600 17.341.100 21.154.700 25.092.200 29.157.700 33.355.300 37.689.300 42.164.200 46.784.500 51.555.000 56.480.500 61.566.100 66.817.000 ^ 72.238.600 ^ 36.000.000 QUYN LI HC VN M BO (d)


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n v tnh: ngQUYN LI HC VN MINH HA Tng Quyn li Tng Quyn li Bo tc tch ly v Li chia cui hp ng hc vn hc vn tch ly (e) = (^b) + (^c) (f) = (d) + (e) (g) GI TR HON LI MINH HA Nu nhn Nu tch ly Quyn li hc vn Quyn li hc vn (h) (i) = (h) + (g) - (f) 1.117.300 5.276.500 12.823.800 17.655.000 25.856.100 32.467.400 39.760.300 47.805.400 59.831.400 70.173.200 81.589.800 94.195.900 108.120.400 130.007.100 147.909.100 198.751.200 158.387.000 125.551.500 90.044.400 51.647.800 1.117.300 5.276.500 12.823.800 17.655.000 25.856.100 32.467.400 39.760.300 47.805.400 59.831.400 70.173.200 81.589.800 94.195.900 108.120.400 130.007.100 147.909.100 198.751.200 214.166.500 230.772.900 248.663.000 267.935.400

6.430.000 6.430.000 6.430.000 6.430.000 6.430.000 6.430.000 6.430.000 6.430.000 6.430.000 6.430.000 6.430.000 6.430.000 6.430.000 6.430.000 6.430.000 6.430.000 6.430.000

30.000.000 20.000.000 20.000.000 20.000.000 30.000.000

21.647.700 21.647.700 21.647.700 21.647.700 21.647.700

51.647.700 41.647.700 41.647.700 41.647.700 51.647.700

51.647.700 97.427.200 146.869.100 200.266.300 267.935.300

Quyn li hc vn (lun c chi tr tr trng hp Hp ng b hy) Quyn li m bo: Bo tc tch ly v Li chia cui hp ng minh ha: Li tch ly minh ha (nu tch ly Quyn li hc vn): Tng:

Nu nhn Quyn li hc vn 120.000.000 108.238.500 228.238.500

Nu tch ly Quyn li hc vn 120.000.000 108.238.500 39.696.800 267.935.300

Ghi ch: Tng Quyn li hc vn nu tch ly nh minh ha ct (g) bao gm li tch ly khi khch hng li Quyn li hc vn Cng ty. Li tch ly c minh ha mc li sut 8% v khng c m bo. Gi tr hon li ( bao gm Quyn li hc vn ca nm tng ng) nu trn KHNG C M BO. Gi tr hon li c tnh da trn mc Bo tc minh ha. Bo tc tch ly c cng b hng nm. Bo tc tch ly nh minh ha ct (b) KHNG C M BO; tuy nhin, mt khi Bo tc tch ly c cng b th s c m bo v lm tng gi tr ca hp ng. Li chia cui hp ng (KHNG C M BO) c chi tr khi c s kin bo him hoc khi o hn. Li chia cui hp ng khi c cng b ch c gi tr cho nm cng b, khng c tch ly v c th tng hoc gim hng nm. Bo tc tch ly v Li chia cui hp ng thc t c cng b da trn kt qu hot ng ca Qu Ch hp ng - hnh thnh t ngun ph bo him - trong sut thi hn ca hp ng. Bo tc tch ly v Li chia cui hp ng thc t c th cao (hoc thp) hn Bo tc tch ly v Li chia cui hp ng minh ha trong trng hp li sut u t thc t t hot ng u t ti sn ca qu cao (hoc thp) hn mc mong i. Tuy nhin, mc tiu ca Prudential l khng bo tc hng nm bin ng qu ln. Cc s liu minh ha trn y ch mang tnh tham kho vi gi nh ton b ph bo him c ng y v khng c giao dch no lm thay i gi tr hp ng. Ton b ni dung minh ha ny l mt phn ca hp ng bo him. XC NHN CA I L BO HIM Ti gii thch y cho Bn mua bo him v Quyn li v cc Quy tc, iu khon ca (cc) sn phm bo him nu trn. i l bo him k tn: XC NHN CA BN MUA BO HIM Ti, Bn mua bo him, c bng minh ha ny v c i Bn mua bo him k tn: l bo him t vn r rng cc chi tit ca bng minh ha cng nh cc Quy tc, iu khon ca (cc) sn phm bo him ghi trn. Ti ng tham gia (cc) sn phm bo him nu trn. H v tn: Nguyn Quc Hon Ngy: _________________

H v tn: TEST M s i l: 88888888 Ngy: 11/02/2012 BNG MINH HA NY L MT PHN CA HP NG BO HIM V CH C GI TR PHP L KHI C Y S TRANG




84001000001 TEST

Phin bn: Ngy:

PruQuote v2.1B -PTE 11/02/2012 13:44:42

BNG MINH HA QUYN LI BO HIM Ph-An Khang Hu TrTHNG TIN DOANH NGHIP Cng ty TNHH BHNT Prudential Vit Nam; Giy php: 15/GPKDBH do B Ti chnh cp ngy 15/11/2004; Vn iu l: 75 triu -la M; Tr s chnh: Tng 25, TTTM Si Gn, 37 Tn c Thng, Qun 1, TP. H Ch Minh; in thoi: (08) 39100999; Fax: (08) 39100899; Website: http://www.prudential.com.vn

Lun lun lng nghe. Lun lun thu hiuTHNG TIN I L BO HIM H v tn: TEST in thoi: .. M s i l: 88888888

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THNG TIN KHCH HNGH v tn Bn mua bo him: Ngi c bo him chnh (NBH chnh): Ngi c bo him b sung (NBHBS): a ch lin h: Nguyn Quc Hon Nguyn Quc Hon Nng Th Ho Gii tnh Tui Nhm ngh nghip 2 2 CMND/H chiu

Nam N

28 29

THNG TIN SN PHM BO HIMSn phm Sn phm chnh Ph-An Khang Hu Tr Sn phm b tr 1 ADD2 Bo him cht v tn tt do tai nn m rng (*) 2 HSR4 Bo him chm sc sc khe (*) 3 DSR2 Bo him h tr ti chnh ngi hn phi 4 OPW3 Bo him t b thu ph ngi hn phi 5 ADD2 Bo him cht v tn tt do tai nn m rng (*) 6 HSR4 Bo him chm sc sc khe (*) Tng ph bo him ca sn phm chnh v (cc) sn phm b tr Ngi c bo him NBH chnh Thi hn hp ng 31 22 22 22 22 22 22 Thi hn ng ph 22 22 22 22 22 22 22 S tin bo him 200.000.000 50.000.000 200.000 20.000.000 50.000.000 200.000

n v tnh: ngPh bo him hng nm 5.760.000 175.000 420.000 496.000 153.200 175.000 420.000 7.599.200

NBH chnh

NBHBS

Tng ph bo him theo nh k:

Nm 7.599.200

Na nm 4.027.700

Qu 2.127.800

Thng 759.900

Ghi ch: (*) Ph bo him ca (cc) sn phm ny c th thay i theo s chp thun ca B Ti chnh. Ph bo him ca (cc) sn phm cn li c m bo trong sut thi hn hp ng. Ph bo him c trnh by trn y l ph tnh cho ngi c sc khe trung bnh theo tiu chun ca Prudential. Ph bo him thc t s da trn kt qu thm nh ca Prudential.




84001000001 TEST

Phin bn: Ngy:

PruQuote v2.1B -ENP2 11/02/2012 13:48:59

BNG MINH HA QUYN LI BO HIM Ph-An Khang Hu TrTHNG TIN V QUYN LI CA HP NG BO HIM A. QUYN LI BO HIM CA HP NG (C M BO)SN PHM Dnh cho Ngi c bo him chnh: NGUYN QUC HON Ph-An Khang Hu Tr T vong Thng tt ton b v vnh vin B tn tt (theo mc tn tt) hoc b phng nng hoc t vong do tai nn T vong do tai nn khi ang l hnh khch c mua v trn xe but hoc xe la T vong do tai nn khi ang l hnh khch c mua v trn cc chuyn bay thng mi Nm vin 2 Bo him chm sc sc khe Nm vin ti khoa chm sc c bit Phu thut Dnh cho Ngi c bo him b sung: NNG TH HO 3 4 5 Bo him h tr ti chnh ngi hn phi Bo him t b thu ph ngi hn phi Bo him cht v tn tt do tai nn m rng T vong hoc Thng tt ton b v vnh vin T vong hoc Thng tt ton b v vnh vin B tn tt (theo mc tn tt) hoc b phng nng hoc t vong do tai nn T vong do tai nn khi ang l hnh khch c mua v trn xe but hoc xe la T vong do tai nn khi ang l hnh khch c mua v trn cc chuyn bay thng mi Nm vin 6 Bo him chm sc sc khe Nm vin ti khoa chm sc c bit Phu thutGhi ch: Chi tit v quyn li ca (cc) sn phm bo him nu trn c quy nh c th trong Quy tc, iu khon ca sn phm. (Cc) Sn phm b tr trn y l (cc) sn phm bo him khng c bo tc.


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n v tnh: ngS KIN BO HIM QUYN LI BO HIM GHI CH

1

Bo him cht v tn tt do tai nn m rng

200.000.000 200.000.000 50.000.000 (ti a) 100.000.000 (ti a) 150.000.000 (ti a) 200.000 400.000 1.000.000

c chi tr thnh 10 ln trong 10 nm


20.000.000 Min ng ph trong tng lai cho ton b hp ng 50.000.000 (ti a) 100.000.000 (ti a) 150.000.000 (ti a) 200.000 400.000 1.000.000

c chi tr vo mi Ngy k nim nm hp ng cho n ngy o hn





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Phin bn: Ngy:

PruQuote v2.1B -ENP2 11/02/2012 13:48:59

BNG MINH HA QUYN LI BO HIM Ph-An Khang Hu TrB. MINH HA QUYN LI CA SN PHM CHNHNm hp ng 1 2 3 4 7 10 13 16 19 22 23 24 25 26 27 28 29 30 31 Tui NBH chnh 29 30 31 32 35 38 41 44 47 50 51 52 53 54 55 56 57 58 59 Ph bo him hng nm 5.760.000 5.760.000 5.760.000 5.760.000 5.760.000 5.760.000 5.760.000 5.760.000 5.760.000 5.760.000 Tng ph bo him ng QUYN LI BO HIM MINH HA Tng Quyn li Bo tc tch Quyn li bo him bo him ly minh ha m bo (c) = (a) + (b) (b) (a) 200.000.000 4.000.000 204.000.000 200.000.000 8.080.000 208.080.000 200.000.000 12.241.600 212.241.600 200.000.000 16.486.400 216.486.400 200.000.000 29.737.100 229.737.100 200.000.000 43.798.900 243.798.900 200.000.000 58.721.300 258.721.300 200.000.000 74.557.100 274.557.100 200.000.000 91.362.200 291.362.200 200.000.000 109.195.900 309.195.900 200.000.000 109.195.900 309.195.900 200.000.000 109.195.900 309.195.900 200.000.000 109.195.900 309.195.900 200.000.000 109.195.900 309.195.900 200.000.000 109.195.900 309.195.900 200.000.000 109.195.900 309.195.900 200.000.000 109.195.900 309.195.900 200.000.000 109.195.900 309.195.900 200.000.000 109.195.900 309.195.900 Quyn li m bo (d) QUYN LI HU TR Bo tc tch Tng ly minh ha (f) = (d) + (e) (e)


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n v tnh: ngTng Quyn li hu tr tch ly (g) GI TR HON LI MINH HA Nu tch ly Nu nhn Quyn li hu tr Quyn li hu tr (i) = (h) + (g) - (d) - (e) (h) 1.462.200 5.765.600 10.478.900 27.471.500 49.746.100 78.948.400 117.334.700 168.054.100 235.523.300 220.264.600 203.594.300 185.356.000 165.367.400 143.422.900 119.289.200 92.702.600 63.361.800 30.919.600 1.462.200 5.765.600 10.478.900 27.471.500 49.746.100 78.948.400 117.334.700 168.054.100 235.523.300 253.657.800 273.052.100 293.763.600 315.840.800 339.327.300 364.259.100 390.663.300 418.552.500 447.918.700

5.760.000 11.520.000 17.280.000 23.040.000 40.320.000 57.600.000 74.880.000 92.160.000 109.440.000 126.720.000 126.720.000 126.720.000 126.720.000 126.720.000 126.720.000 126.720.000 126.720.000 126.720.000 126.720.000

20.000.000 20.000.000 20.000.000 20.000.000 20.000.000 20.000.000 20.000.000 20.000.000 20.000.000 20.000.000

10.919.600 10.919.600 10.919.600 10.919.600 10.919.600 10.919.600 10.919.600 10.919.600 10.919.600 10.919.600

30.919.600 30.919.600 30.919.600 30.919.600 30.919.600 30.919.600 30.919.600 30.919.600 30.919.600 30.919.600

30.919.600 64.312.800 100.377.400 139.327.200 181.393.000 226.824.000 275.889.500 328.880.300 386.110.300 447.918.700

Ghi ch: Gi tr hon li ( bao gm Quyn li hu tr ca nm tng ng) nu trn KHNG C M BO. Gi tr hon li c tnh da trn mc Bo tc minh ha. Bo tc tch ly c cng b hng nm. Bo tc tch ly nh minh ha ct (b) KHNG C M BO; tuy nhin, mt khi Bo tc tch ly c cng b th s c m bo v lm tng gi tr ca hp ng. Bo tc tch ly thc t c cng b da trn kt qu hot ng ca Qu Ch hp ng - hnh thnh t ngun ph bo him - trong sut thi hn ca hp ng. Bo tc tch ly thc t c th cao (hoc thp) hn Bo tc tch ly minh ha trong trng hp li sut u t thc t t hot ng u t ti sn ca qu cao (hoc thp) hn mc mong i. Tuy nhin, mc tiu ca Prudential l khng bo tc hng nm bin ng qu ln. Cc s liu minh ha trn y ch mang tnh tham kho vi gi nh ton b ph bo him c ng y v khng c giao dch no lm thay i gi tr hp ng. Ton b ni dung minh ha ny l mt phn ca hp ng bo him. XC NHN CA I L BO HIM Ti gii thch y cho Bn mua bo him v Quyn li i l bo him k tn: v cc Quy tc, iu khon ca (cc) sn phm bo him nu trn. XC NHN CA BN MUA BO HIM Ti, Bn mua bo him, c bng minh ha ny v c i l bo him t vn r rng cc chi tit ca bng minh ha cng nh cc Quy tc, iu khon ca (cc) sn phm bo him ghi trn. Ti ng tham gia (cc) sn phm bo him nu trn. Bn mua bo him k tn:

H v tn: TEST M s i l: 88888888 Ngy: 11/02/2012

H v tn: Nguyn Quc Hon Ngy: _________________

BNG MINH HA NY L MT PHN CA HP NG BO HIM V CH C GI TR PHP L KHI C Y S TRANG




84001000001 TEST

Phin bn: Ngy:

PruQuote v2.1B -ENP2 11/02/2012 13:48:59

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PruQuote v2.1B - Hoan Hoa 8tr