Trng H Thng long
Chng trnh o to bo him
Ging vin: on Minh PhngChc v: Ph trng b mn Bo him n v: B mn BH
Khoa Ngn hng-Bo him - Hc vin Ti chnh Hc v: Tin s ti: Gii php nng
cao hiu qu kinh doanh BH phi nhn th ca cc DNBH Vit nam trong iu kin
Hi nhp KTQT M s: 5.02.09 Ngi hng dn: GS, TSKH: Trng Mc Lm Qu trnh o
to: - 1983-1987: i hc TC-KT H ni Chuyn ngnh BH - 1993-1995: o to
ging vin BH ca FFSA - 1996-1997: Kho o to BH chuyn nghip ti ENAss-
cng ho Php - 1998-2001: o to Thc s-Hc vin Ti chnh - 2002-2006: o to
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NI DUNG CHNHChng 1: Nguyn l c bn v bo him Chng 2: Php lut v bo
him v HBH Chng 3: Bo him ti sn Chng 4: Bo him trch nhim dn s Chng
5: Bo him con ngi
Chng 1 Nguyn l c bn v bo himRi ro ngun gc ca bo him Khi nim, vai
tr kinh t x hi ca bo him III. Phn loi bo him IV. Phn bit bo him
kinh doanh v bo him x hi V. Mt s khi nim c bn I. II.
I. Ri ro ngun gc ca bo him1. 2. 3. 4. Khi nim ri ro Cc loi ri ro
Phng php qun l ri ro Lch s ra i v pht trin ca bo him
Ri ro ngun gc ca bo him1. Khi nim ri ro Nhn bit ri ro: - Ri ro c
ngun gc t nhin: - Ri ro c ngun gc chnh tr: - Ri ro c ngun gc x hi:
- Ri ro c ngun gc t hot ng thng thng ca con ngi: - Ri ro c ngun gc
t quy lut sinh hc: - Ri ro c ngun gc khc:
Ri ro ngun gc ca bo him1. Khi nim ri ro - C nhiu quan nim khc
nhau v ri ro+ Ri ro l s bt trc c th o lng c + Ri ro l mt bin c bt
ng gy ra nhng thit hi + Ri ro l mt s kin khng chc chn, c kh nng gy
ra hu qu xu + Ri ro l mt s c khng chc chn xy ra hoc ngy gi xy ra l
khng chc chn + Ri ro l s bt trc c th lin quan n vic xut hin mt bin
c khng mong i +
Ri ro ngun gc ca bo him1. Khi nim ri ro Kt lun: Ri ro l kh nng
xy ra bin c bt thng c hu qu thit hi hoc mang li kt qu khng nh mong
i
Ri ro ngun gc ca bo him2. Cc loi ri ro2.1 Ri ro u c v ri ro thun
ty 2.2 Ri ro chung v ri ro ring bit 2.3 Ri ro ti chnh v ri ro phi
ti chnh 2.4 Ri ro c th bo him c v ri ro khng th bo him c: - Phn tch
ri ro - Tiu ch ca 1 ri ro c th bo him c
Tho lun 1Ti sao trong bo him ti sn, ngi bo him khng nhn bo him
cho trng hp ti sn c bo him b h hng do hao mn t nhin?
Ri ro ngun gc ca bo him3. Phng php qun l ri ro 3.1 Khi nim QLRR
l qu trnh nhn bit, nh gi, nh lng ri ro; xy dng h thng cnh bo ri ro;
tm kim, la chn cc phng php ngn nga, hn ch v khc phc hu qu ca ri
ro
Ri ro ngun gc ca bo him3. Phng php qun l ri ro 3.2 Cc phng php
qun l ri ro - N trnh ri ro - Phng nga, gim thiu ri ro - Chp nhn ri
ro t gnh chu - Tr gip t thin - Chuyn giao ri ro + Chuyn giao ri ro
khng bng bo him + Chuyn giao ri ro bng bo him
Ri ro ngun gc ca bo him4. Lch s ra i v pht trin ca bo him4.1 Lch
s ra i v pht trin bo him trn th gii 4.2 Lch s ra i v pht trin bo
him Vit Nam
II. Khi nim, vai tr kinh t x hi ca bo him 1. Khi nim bo him- C
nhiu khi nim bo him - Trn phng din nguyn l c bn: Bo him l phng php
chuyn giao ri ro c thc hin qua HBH, theo bn mua bo him chp nhn tr
ph bo him v DNBH cam kt bi thng hoc tr tin bo him khi xy ra s kin
bo him - KDBH l hot ng ca DNBH nhm mc ch sinh li, theo DNBH chp nhn
ri ro ca NBH, trn c s BMBH ng ph bo him DNBH tr tin bo him cho ngi
th hng hoc bi thng cho ngi c bo him khi xy ra s kin bo him (iu 3,
Lut KDBH) - S kin bo him: (Khon 10, iu 3, Lut KDBH)
II. Khi nim, vai tr kinh t x hi ca bo him2. Vai tr kinh t - x hi
ca bo him 2.1 Bo him cung cp mt loi dch v c bit - S m bo khc phc hu
qu ti chnh ca ri ro - Ti sao l dch v c bit: + L dch v ti chnh khng
nh hnh + C hiu qu x dch + C chu trnh sn xut-kinh doanh ngc + L dch
v d bt chc
II. Khi nim, vai tr kinh t x hi ca bo him2. Vai tr kinh t - x hi
ca bo him 2.2 Vai tr trung gian ti chnh - Huy ng v tp trung ngun vn
- u t vn 2.3 To vic lm 2.4 phng hn ch tn tht
III. Phn loi bo himPhn loi theo i tng bo him Phn loi theo nhm
nghip v Phn loi theo tnh cht bo him Phn loi theo k thut qun l hp ng
bo him 5. Cc cch phn loi khc 1. 2. 3. 4.
III. Phn loi bo him1. Phn loi theo i tng bo him - Bo him ti sn -
Bo him trch nhim dn s - Bo him con ngi
III. Phn loi bo him2. Phn loi theo nhm nghip v - Nhm nghip v bo
him nhn th - Nhm nghip v bo him phi nhn th (iu 7 Lut KDBH)
III. Phn loi bo him3. Phn loi theo tnh cht bo him - Bo him t
nguyn - Bo him bt buc + Lut KDBH + Cc vn bn di lut: VD: => N
103/2008/N-CP(16/9/2008) => N 130/2006/ N-CP( 08/11/2006)
......
III. Phn loi bo him4. Phn loi theo k thut qun l hp ng bo him -
Cc HBH qun l theo k thut phn chia - Cc HBH qun l theo k thut tn tch
5. Cc cch phn loi khc
IV. Phn bit bo him kinh doanh v bo him x hi1. Bo him x hi 2. S
khc bit gia BHKD v BHXH
IV. Phn bit bo him kinh doanh v bo him x hi1. BHXH 1.1 Khi nim:
L ch XH ca Nh nc nhm bo v ngi lao ng bng cch tp trung ngun ti chnh
huy ng c t ngi lao ng, ngi s dng lao ng v s h tr ca Nh nc thc hin
tr cp vt cht cho ngi c hng quyn li bo him khi ngi L gp ri ro nh: m
au, thai sn, tai nn lao ng, bnh ngh nghip, tui gi, mt sc L, t vong
l gim st hoc b mt thu nhp
IV. Phn bit bo him kinh doanh v bo him x hi1. BHXH 1.2 Cc ch
BHXH (Cng c 102/1952-T chcL quc t - ILO ngy 28/6/1952) Chm sc y t
Tr cp m au Tr cp thai sn Tr cp TNL v BNN Tr cp tht nghip Tr cp hu
tr Tr cp gia nh Tr cp tn tt Tr cp mt ngi nui dng
IV. Phn bit bo him kinh doanh v bo him x hi2. S khc bit gia BHKD
v BHXH - i tng bo him - Mc ch - Tnh cht - Lut p dng - Ngun hnh thnh
qu - Nguyn tc sng lc v phn chia ri ro - Kh nng la chn - C ch ca ch
tr cp hu tr v bo him nhn th
V. Mt s khi nim c bn1. Phm vi bo him 2. Loi tr bo him 3. i tng
bo him quyn li c th c bo him 4. Tn tht 5. Gi tr bo him 6. S tin bo
him 7. Ph bo him 8. Gim nh bo him 9. i l bo him 10. Mi gii bo him
11. Bi thng tr tin bo him
V. Mt s khi nim c bn1. Phm vi bo him - Khi nim: Tp hp cc s kin
bo him theo tha thun trong HBH hoc do php lut quy nh m DNBH nhn bo
him - Cch thc quy nh: + Lit k cc s kin km theo cc nguyn nhn + Lit k
cc dng tn tht, thit hi km theo cc nguyn nhn + Quy nh trong cc n bo
him mi ri ro
V. Mt s khi nim c bn2. Loi tr bo him - Khi nim: Tp hp cc trng hp
do php lut hoc HBH quy nh m DNBH khng nhn bo him - Cch thc quy nh:
+ Lit k cc ri ro loi tr trong 1 mc ring + Lit k cc nguyn nhn, cc
trng hp loi tr trong tng quy nh v phm vi bo him
V. Mt s khi nim c bn3. i tng bo him Quyn li c th bo him 3.1 i
tng bo him - Khi nim: L i tng c th chu s tc ng ca ri ro c bo him v
chnh v mc ch an ton v/hoc tch ly ti chnh khin bn mua bo him giao kt
HBH. - Cc loi i tng bo him: - Cch thc biu t TBH: M t cc thng tin ch
yu v TBH trong HBH
V. Mt s khi nim c bn3. i tng bo him Quyn li c th c bo him 3.2
Quyn li c th bo him: - Trong bo him thit hi: - Trong bo him con
ngi:
Tho lun 2Tnh hung: ng A tham gia bo him thit hi vt cht xe c gii
ti DNBH X. HBH c thi hn t 01/01/N n 01/01/N+1. Ngy 01/7/N, ng A bn
xe cho ng B. ng A khng thng bo cho DNBH v qun khng bn giao li HBH v
GCNBH cho ng B. Ngy 02/9/N, ng B s dng xe v b tai nn. (v tai nn ny
thuc phm vi trch nhim ca HBH k) Tho lun v cho bit DNBH c chu trch
nhim bi thng khng v ai l ngi c khiu ni v hng quyn li bo him?
V. Mt s khi nim c bn4. Tn tht - Khi nim: L hu qu ca ri ro, tn
tht l thut ng dng ch s thit hi m bn c bo him phi gnh chu khi i tng
bo him gp ri ro. - Cc loi tn tht: + Tn tht v ngi: (thit hi vt cht,
thit hi tinh thn) + Tn tht v ti sn: (thit hi trc tip, thit hi gin
tip)
V. Mt s khi nim c bn5. Gi tr bo him - Khi nim: Gi tr th trng ca
ti sn c bo him ti thi im giao kt HBH - Cch xc nh: + Gi tr mi + Gi
tr cn li + Gi tr nh gi li + Gi tr tha thun
V. Mt s khi nim c bn6. S tin bo him - Khi nim: L khon tin m bn
mua bo him yu cu v DNBH nhn bo him - Cch xc nh: + Trong BHTS +
Trong BHTNDS + Trong BH con ngi
V. Mt s khi nim c bn7. Ph bo him - Khi nim: - Cc b phn cu thnh
ph bo him: + Ph thun + Chi ph H mi + Chi ph qun l + Thu GTGT (nu c)
- Cc nhn t nh hng: + Mc ri ro + Phm vi trch nhim ca DNBH + Th trng
+ Nhn t khc
V. Mt s khi nim c bn7. Ph bo him (tip) - ng ph bo him - Gim ph
bo him - Hon ph bo him
V. Mt s khi nim c bn8. Gim nh bo him 8.1 Gim nh i tng bo him trc
khi k HBH 8.2 Gim nh tn tht
V. Mt s khi nim c bn9. i l bo him - Khi nim: - Phn loi i l bo
him: - Qun l i l bo him: + Tuyn dng, k H i l + o to, hun luyn i l +
Kim tra, gim st i l + To ng lc, duy tr v pht trin Mng li i l
V. Mt s khi nim c bn10. Mi gii bo him - Khi nim: - Phn loi mi
gii bo him: + Mi gii bo him gc + Mi gii ti bo him
V. Mt s khi nim c bn11. Bi thng, tr tin bo him - Bi thng - Tr
tin bo him
Chng 2 Php lut v bo him v HBHI. Khi qut v php lut bo him II. Php
lut v HBH III. Php lut v qun l, gim st hot ng kinh doanh bo him
I. Khi qut v php lut bo him1. Lch s ra i v pht trin ca php lut v
bo him trn th gii 2. c im ca h thng php lut v bo him ca mt s nc pht
trin 3. Hnh thc ca php lut v bo him 4. Cu trc ca php lut v bo
him
I. Khi qut v php lut bo him1. Lch s ra i v pht trin ca php lut v
bo him trn th gii 300 nm TCN, Lut bun bn ng bin Ru t c quy nh v tn
tht chung trn bin Quy phm Orleron 1266, Lut Wisby 1288, quy nh v bo
him hng hi Php lnh Bacelona 1435 cng b quy tc bo him hng hi v th tc
bi thng tn tht 1523, Ph-ru-lng-sa a ra mu n bo him tiu chun v bo
him hng hi 1674 Ta n bo him hng hi u tin c thnh lp Antwerp (B) v
sau cc nc khc xt x cc v tranh chp v bo him 1681 Vua Php Louis 14
ban hnh php lnh hot ng hng hi (c 6 chng quy nh v bo him ) Lut bo
him hng hi Anh quc 1906
-
-
I. Khi qut v php lut bo him2. c im ca h thng php lut v bo him ca
mt s nc pht trin2.1 AnhH thng php lut v KDBH ca Anh bao gm cc n l
ca ta n, tp qun KDBH c ta n Anh chp nhn nh lut v cc vn bn php quy v
bo him H thng cc vn bn php quy v KDBH ca Anh bao gm: + Lut bo him
nhn th 1774 + Lut bo him hng hi 1906 + Lut Bo h ngi c bo him 1975 +
Lut qun l hot ng cc cng ty bo him 1982 + Quy ch hot ng ca cc cng ty
bo him 1981 + Quy ch v ch ti chnh v k ton ca cc cng ty bo him 1983
+ Quy ch v k ton v bo co i vi cng ty bo him 1996 +. -
I. Khi qut v php lut bo him2. c im ca h thng php lut v bo him ca
mt s nc pht trin2.2 Php - iu l hot ng hng hi 1681 - Lut bun bn 1808
- B lut bo him 1904 bao gm 3 phn: + Lut v HBH v bo him bt buc + Lut
qun l hot ng ca cc cng ty bo him + Lut qun l i l v mi gii bo him -
B lut bo him ng b 1930 - o lut gim st DNBH 1938
I. Khi qut v php lut bo him2. c im ca h thng php lut v bo him ca
mt s nc pht trin2.3 c - iu l bo him v tn tht hng hi 1731 - Lut KDBH
t nhn 1901 - Lut HBH 1908 - Lut bo him ng b 1910 - iu l gim st ti
bo him 1913 - Lut gim st DNBH t nhn v qu tit kim xy dng nh 1931
I. Khi qut v php lut bo him2. c im ca h thng php lut v bo him ca
mt s nc pht trin2.4 M - Khng c b lut bo him thng nht m ch c lut ca
cc bang - o lut v KDBH ca Bang New York c coi l hon chnh nht -
Tranh chp v HBH ch yu c xt x theo tin l
I. Khi qut v php lut bo him2. c im ca h thng php lut v bo him ca
mt s nc pht trin2.5 Nht - Lut HBH 1899 - Lut KDBH 1940 - Lut qun l
i l bo him 1948 - Lut t chc hot ng ca T chc nh ph bo him 1948 - Lut
qun l hot ng ca cc cng ty bo him 1949 - Lut bo him trch nhim dn s
ch xe c gii bt buc 1955 - Lut bo him ng t 1966
I. Khi qut v php lut bo him3. Hnh thc ca php lut v bo him - Lut
v cc vn bn di lut - n l - Tp qun
I. Khi qut v php lut bo him4. Cu trc ca php lut v bo him - Php
lut v HBH - Php lut v qun l, gim st hot ng KDBH - Php lut v bo him
bt buc
II. Php lut v HBH1. Tng quan v HBH 2. Quyn v ngha v ca cc bn
trong qu trnh xc lp, thc hin v chm dt HBH 3. Cc loi HBH
II. Php lut v HBH1. Tng quan v HBH 1.1 Khi nim, hnh thc HBH 1.2
Cc bn lin quan trong HBH 1.3 Ni dung HBH 1.4 Tnh cht ca HBH 1.5 Lut
iu chnh HBH
II. Php lut v HBH1. Tng quan v HBH 1.1 Khi nim, hnh thc HBH -
Khi nim HBH: + B lut dn s (iu 567): HBH l s tha thun gia cc bn theo
BMBH phi ng PBH, cn BBH phi tr mt khon tin bo him cho bn c bo him
khi xy ra s kin bo him + B lut Hng hi (iu 224): HBH hng hi l HBH cc
ri ro hng hi, theo ngi bo him cam kt bi thng cho NBH nhng tn tht
hng hi thuc trch nhim bo him theo cch thc v iu kin tha thun trong
H
II. Php lut v HBH1. Tng quan v HBH 1.1 Khi nim, hnh thc HBH -
Khi nim HBH: + Lut KDBH (iu 12): HBH l s tha thun gia BMBH v DNBH,
theo BMBH phi ng PBH, DNBH phi tr tin bo him cho ngi th hng hoc bi
thng cho ngi c bo him khi xy ra s kin bo him - Hnh thc HBH: (iu 14)
HBH phi c lp thnh vn bn Bng chng giao kt HBH l GCNBH, BH, in bo,
telex, fax v cc hnh thc khc do php lut quy nh
II. Php lut v HBH1. Tng quan v HBH 1.2 Cc bn lin quan trong HBH
- DNBH - Bn mua bo him + Ngi tham gia bo him + Ngi c bo him + Ngi c
hng quyn li bo him => Ngi c bo him => Ngi th hng ch nh =>
Ngi th hng theo php lut tha k
Tho lun 31. Trong HBH con ngi c tr tin bo him khi ngi c bo him b
cht. HBH c ch nh ngi th hng. Nu ngi th hng ch nh cht trc hoc cht
cng lc vi ngi c bo him th DNBH c tr tin bo him khng v tr cho ai? 2.
Trong HBH con ngi c tr tin bo him khi ngi c bo him b cht. Nu ngi c
bo him b mt tch, DNBH c tr tin bo him khng v tr khi no?
II. Php lut v HBH1. Tng quan v HBH 1.3 Ni dung HBH (iu 13,
LKDBH) Tn, a ch ca cc bn lin quan; Ngy thng nm giao kt H i tng bo
him Phm vi bo him v loi tr bo him Thi hn bo him S tin bo him Mc
trch nhim bo him Ph bo him Cc iu khon chi phi cch tnh s tin bi
thng, s tin tr bo him + Bi thng, tr tin bo him theo t l + Bi thng
theo tn tht th nht + Min thng Cc ni dung khc
II. Php lut v HBH1. Tng quan v HBH 1.4 Tnh cht ca HBH - HBH l
loi H song v - HBH l loi H m sn - HBH l loi H phi tr tin - Vic xc
lp v thc hin H phi m bo nguyn tc trung thc, tn nhim tuyt i
II. Php lut v HBH1. Tng quan v HBH 1.5 Lut iu chnh HBH - i vi
HBH hng hi - i vi HBH phi hng hi
II. Php lut v HBH2. Quyn v ngha v ca cc bn trong qu trnh xc lp,
thc hin v chm dt HBH 2.1 Xc lp HBH 2.2 Thc hin HBH 2.3 Chm dt HBH
2.4 HBH v hiu 2.5 Chuyn nhng HBH
II. Php lut v HBH2. Quyn v ngha v ca cc bn trong qu trnh xc lp,
thc hin v chm dt HBH 2.1 Xc lp HBH - Khi nim: L qu trnh th hin,
thng nht v thc hin mun giao kt HBH bng cc hnh vi php lut ca BMBH v
DNBH - Nguyn tc xc lp HBH + Tun th lut php, khng tri o c x hi +
Nguyn tc t nguyn, bnh ng + Thin ch, hp tc v trung thc
II. Php lut v HBH2. Quyn v ngha v ca cc bn trong qu trnh xc lp,
thc hin v chm dt HBH 2.1 Xc lp HBH - Quyn v ngha v ca bn mua bo him
trong qu trnh xc lp HBH: + Bn mua bo him c quyn: La chn DNBH, Yu cu
DNBH gii thch cc iu kin, iu khon bo him, cp giy chng nhn bo him hoc
n bo him + Bn mua bo him c ngha v: Cung cp thng tin lin quan n vic
giao kt v thc hin HBH, ng ph bo him y (tr khi c tha thun khc trong
H)
II. Php lut v HBH2. Quyn v ngha v ca cc bn trong qu trnh xc lp,
thc hin v chm dt HBH 2.1 Xc lp HBH: - Quyn v ngha v ca DNBH trong
qu trnh xc lp HBH + DNBH c quyn yu cu BMBH cung cp thng tin nhm nh
gi ri ro v nh ph bo him + DNBH c ngha v cp giy chng nhn bo him hoc
n bo him v gii thch cc iu kin, iu khon ca HBH cho BMBH
II. Php lut v HBH2. Quyn v ngha v ca cc bn trong qu trnh xc lp,
thc hin v chm dt HBH 2.2 Thc hin HBH: - Khi nim: L qu trnh thc hin
cc quyn v ngha v theo lut nh v theo tha thun trong HBH ca BMBH v
DNBH sau khi xc lp HBH - Quyn v ngha v ca BMBH trong qu trnh thc
hin HBH + BMBH c quyn: yu cu DNBH bi thng hoc tr tin bo him, n phng
nh ch thc hin HBH theo quy nh (iu 19, 20), Chuyn nhng HBH v cc quyn
khc theo quy nh ca php lut. + BMBH c ngha v: ng ph bo him y , ng hn
(tr khi thc hin ton b ngha v ny khi xc lp HBH), Thng bo ri ro gia
tng (nu c), Thng bo cho DNBH v vic xy ra SKBH, Apa dng cc bin php
phng, hn ch tn tht, Chuyn quyn yu cu ngi th ba bi hon khon tin nhn
bi thng cho DNBH
II. Php lut v HBH2. Quyn v ngha v ca cc bn trong qu trnh xc lp,
thc hin v chm dt HBH 2.2 Thc hin HBH: - Quyn v ngha v ca DNBH trong
qu trnh thc hin HBH: + DNBH c quyn: Yu cu BMBH p dng cc bin php
PHCTT; n phng nh ch thc hin HBH (iu 19, 20, 35, 50); T chi bi thng
hoc tr tin bo him trong trng hp khng thuc phm vi TNBH hoc thuc trng
hp loi tr bo him; Yu cu ngi thc ba bi hon + DNBH c ngha v: Bi thng
hoc tr tin bo him khi xy ra SKBH, Gii thch bng VB l do t chi BT,
TTBH; Phi hp vi BMBH gii quyt yu cu ca ngi th ba i BT.
II. Php lut v HBH2. (Tip) 2.3 Chm dt HBH - Kt thc thi hn bo him
- Cc bn thc hin quyn n phng nh ch thc hin HBH - HBH b v hiu - DNBH
hon thnh ton b cam kt BT hoc TTBH khi NBH b cht hoc TBH b TTTB -
TBH khng cn tn ti do ri ro loi tr - BMBH khng cn m bo quy nh v quyn
li c th bo him - BMBH khng ng ph hoc khng ng ph theo thi hn tha
thun trong HBH hoc thi gian gia hn - Khng cn tn ti kh nng TBH chu
nh hng ca ri ro c bo him
II. Php lut v HBH2. (Tip) 2.4 HBH v hiu - Cc bn giao kt HBH khng
m bo quy nh v nng lc giao kt v thc hin HBH - HBH c giao kt do nhm
ln - BMBH khng c quyn li c th c bo him i vi i tng bo him - TBH khng
tn ti ti thi im giao kt HBH - Ti thi im giao kt HBH, BMBH bit SKBH
xy ra - DNBH v BMBH c hnh vi la di khi giao kt HBH
II. Php lut v HBH2. (Tip) 2.5 Chuyn nhng HBH - Khi nim: L vic
chuyn quyn, li ch v ngha v c lin quan n HBH t mt ch th ny cho mt ch
th khc - Quy nh ca php lut v chuyn nhng HBH (iu 579 BLDS) - iu kin
v th tc chuyn nhng HBH
II. Php lut v HBH3. Cc loi HBH 3.1 HBH ti sn 3.2 HBH TNDS 3.3
HBH con ngi
II. Php lut v HBH3. Cc loi HBH 3.1 HBH ti sn - Khi nim - c trng
ca HBH ti sn + Gii hn trch nhim theo gi tr ti sn + Vic thc hin cam
kt ca DNBH tun th Nguyn tc bi thng + Vn dng nguyn tc th quyn + Chia
s trch nhim BT trong bo him trng - Phn loi HBH ti sn
II. Php lut v HBH3. Cc loi HBH 3.2 HBH trch nhim dn s - Trch
nhim dn s v c s php l - Khi nim HBH TNDS - c trng ca HBH trch nhim
dn s + i tng BH + S gn kt v tnh c lp trong quan h gia ngi BH, NBH v
ngi th 3 + Trch nhim BT ca DNBH c th c gii hn, c th khng gii hn +
Nguyn tc bi thng - Phn loi HBH TNDS
II. Php lut v HBH3. Cc loi HBH 3.3 HBH con ngi - Khi nim - c
trng ca HBH con ngi + Khng nh gi c TBH + Vic thc hin cam kt ca DNBH
ch yu tun th Nguyn tc khon + Khng p dng th quyn + Khng cp n vn bo
him trng - Phn loi HBH con ngi
III. Php lut v qun l, gim st hot ng KDBH1. Mc ch ca qun l, gim
st hot ng KDBH 2. Phm vi qun l, gim st 3. C quan qun l, gim st hot
ng KDBH 4. Ni dung qun l, gim st hot ng KDBH
III. Php lut v qun l, gim st hot ng KDBH1. Mc ch ca qun l, gim
st hot ng KDBH - Thc hin chc nng qun l ca Nh nc - m bo quyn v li ch
hp php ca bn mua bo him - m bo s pht trin bn vng ca TTBH v bo h li
ch chnh ng ca cc DNBH - iu chnh, thc y hot ng KDBH pht trin theo yu
cu pht trin kinh t, x hi
III. Php lut v qun l, gim st hot ng KDBH2. Phm vi qun l, gim st
- Cc DNBH - Cc DNMGBH - i l bo him
III. Php lut v qun l, gim st hot ng KDBH3. C quan qun l, gim st
hot ng KDBH - Trn th gii - Vit nam: (iu 121, Lut KDBH)
III. Php lut v qun l, gim st hot ng KDBH4. Ni dung qun l, gim st
hot ng KDBH - Ni dung qun l Nh nc v hot ng KDBH (iu 120, Lut KDBH)
- Kim tra, gim st hot ng ca DNBH: + Kim tra cc tiu chun, iu kin hot
ng KDBH: => Ngi qun tr, iu hnh DNBH => Phng n hot ng 5 nm u
(ni dung KD, phng thc trch lp d phng nghip v, chng trnh ti bo him,
u t vn, ) => Thm nh kh nng ti chnh => Thm nh v mc ph hp (Tip
trang sau)
III. Php lut v qun l, gim st hot ng KDBH4. Ni dung qun l, gim st
hot ng KDBH - Kim tra, gim st hot ng ca DNBH (tip): + Kim tra gim
st trong qu trnh hot ng => Chp hnh cc quy nh trong Giy php kinh
doanh, cc quy tc , iu khon, biu ph ng k => Gim st kh nng thanh
ton => Gim st vic trch lp cc qu d phng => Gim st hot ng u
t
Chng 3: Bo him ti snI. II. Khi qut v BH ti sn Gii thiu mt s
nghip v BH TS
I. Khi qut v BH ti sn1. Khi nim 2. c trng c bn v BH ti sn 3. Cc
nghip v BH Ti sn
I. Khi qut v BH ti sn1. Khi nim - Cc dng thit hi v ti sn - BH ti
sn
I. Khi qut v BH ti sn2. c trng c bn v BH ti sn + Gii hn trch
nhim theo gi tr ti sn + Vic thc hin cam kt ca DNBH tun th Nguyn tc
bi thng + Vn dng nguyn tc th quyn + Chia s trch nhim BT trong bo
him trng
I. Khi qut v BH ti sn3. Cc nghip v BH ti sn - BH hng ha vn chuyn
- BH thit hi vt cht xe c gii - BH thn tu - BH Ha hon v cc ri ro c
bit - BH xy dng lp t - BH thn my bay - Cc nghip v BH ti sn khc
II. Gii thiu mt s nghip v BHTS1. BH hng ha XNK vn chuyn bng ng
bin 2. BH thit hi vt cht xe c gii
1. BH hng ha XNK vn chuyn bng ng bin- Tnh c th ca Hp ng Bo him
hng ho XNK + Cc loi hp ng BH hng ho + Hiu lc ca hp ng - Cch tnh s
tin bo him, ph bo him - Cc iu kin bo him
2. BH thit hi vt cht xe c gii2.1 i tng BH v la chn tham gia BH
2.2 Phm vi BH v loi tr BH 2.3 Cc dng tn tht, chi ph v cch thc gii
quyt
2.1 i tng BH v la chn tham gia BH- i tng BH - La chn tham gia
BH: + BH ton b + BH b phn + Cc iu khon b sung
2.2 Phm vi BH v loi tr BH- Phm vi BH: + Thin tai + Tai nn giao
thng + Chy n + Mt cp + Cc chi ph - Loi tr BH: + Hnh vi c + Hao mn t
nhin, h hng thng thng + Vi phm nghim trng Lut giao thng ng b + Gii
hn lnh th + Chin tranh, khng b
2.3 Tn tht, chi ph- Tn tht ton b xe - Tn tht b phn - Cc chi
ph
Chng 4: BH trch nhim dn s1. Khi qut v BH TNDS 2. Gii thiu BH
trch nhim dn s bt buc ca Ch xe c gii
1. Khi qut v BH TNDS1.1 Trch nhim dn s v c s php l 1.2 Khi nim v
c trng ca BH TNDS 1.3 Cc nghip v BH TNDS ch yu
1.1 Trch nhim dn s v c s php lNgha v dn s Trch nhim dn s Cc loi
trch nhim dn s iu kin pht sinh TNDS
1.2 Khi nim v c trng ca BH TNDS- Khi nim - c trng: + i tng BH +
Mi quan h: Ngi BH, ngi c BH, ngi th 3 + BH c gii hn v BH khng gii
hn + Nguyn tc bi thng
1.3 Cc nghip v BH TNDS ch yu- BH trch nhim dn s ca ch xe c gii -
BH TNDS ca ch tu - BH TNDS ca ngi vn chuyn hng khng - BH TNDS ca ch
thu -
2. Gii thiu BH trch nhim dn s bt buc ca Ch XCG2.1 Vn bn php lut
hin hnh 2.2 Phm vi BH 2.3 Loi tr BH 2.4 Mc trch nhim BH 2.5 Ph BH
2.6 Quy nh bi thng
2.1 Vn bn php lut hin hnh- Lut kinh doanh BH (iu 8) - Ngh nh
103/2008/N-CP ngy 16/9/2008 - Thng t 126/2008/TT-BTC ngy
22/12/2008
2.2 Phm vi BH- Thit hi v thn th, tnh mng v ti sn i vi bn th 3 do
xe c gii gy ra (khng BH thit hi gin tip) - Thit hi v thn th, tnh
mng ca hnh khch theo H vn chuyn hnh khch do xe c gii gy ra (khng BH
thit hi v ti sn, hng ho, hnh l ca hnh khch)
2.3 Loi tr BH- Hng ng c gy thit hi ca ch xe, li xe hoc ca ngi b
thit hi - Li xe gy tai nn c b chy khng thc hin TNDS - Li xe khng c
giy php li xe hoc giy php li xe khng hp l - Thit hi gy ra hu qu gin
tip v ti sn - Thit hi i vi ti sn b mt cp hoc b cp trong tai nn -
Thit hi i vi ti sn c bit: vng, bc, qu, tin, giy t c gi tr nh tin,
c, tranh nh qu him, thi hi, hi ct. - Chin tranh, khng b, ng t
2.4 Mc trch nhim BH- Mc trch nhim ti thiu bt buc+ i vi thit hi v
ngi: 50tr/ngi/v+ i vi thit hi ti sn: @ Xe t: 50 tr/v @ Xe m t: 30
tr/v
- Mc trch nhim t nguyn: Tu theo nhu cu ca ch xe v kh nng cung cp
ca DNBH
2.5 Ph BH- Mc ph nm ng vi mc trch nhim bt buc (cha VAT) + Xe m
t: 55.000/xe khng qu 50cc; 60.000/xe trn 50cc + Xe t: (KD vn ti v
khng kinh doanh vn ti - biu ph) - Hon ph: + iu kin hon ph: (1) xe b
thu hi ng k v bin s; xe ht nin hn s dng; xe b mt; xe h hng khng s
dng c (2) trong nm BH cha c khiu ni bi thng c gii quyt + Mc ph hon:
70%
2.6 Quy nh bi thng- i vi thit hi v ngi: Theo quyt nh ca To n (nu
c) hoc theo Bng quy nh bi thng thit hi v ngi (bn hnh km theo thng t
126/2008/TT-BTC - i vi thit hi v ti sn: Xc nh theo thit hi thc t ca
bn th ba v mc li ca ch xe - Mc bi thng khng vt qu Mc trch nhim
BH
Chng 5: BH con ngiI. II. Khi qut v BH con ngi Mt s nghip v BH
con ngi VN
I. Khi qut v BH con ngi1. Khi nim 2. c trng ca BH con ngi 3. Phn
loi BH con ngi
I. Khi qut v BH con ngi1. Khi nim: BH con ngi l loi BH c i tng
BH l tnh mng, sc khe, kh nng lao ng v tui th ca con ngi
I. Khi qut v BH con ngi2. c trng ca BH con ngi - Khng nh gi c i
tng BH bng tin - Phn ln cc nghip v BH con ngi tun th nguyn tc khon
- Khng quy nh v BH trng - Khng p dng th quyn
I. Khi qut v BH con ngi3. Phn loi BH con ngi 3.1 BH nhn th 3.2
BH tai nn, BH sc khe (BH con ngi phi nhn th)
I. Cc Nghip v BH con ngi VN1. BH nhn th 2. BH tai nn, BH sc
khe
I. Cc Nghip v BH con ngi VN1. BH nhn th - Khi nim - Cc c im
chnh
I. Cc Nghip v BH con ngi VN2. BH tai nn, BH sc khe 2.1 BH tai nn
2.2 BH sc khe 2.3 BH kt hp
I. Cc Nghip v BH con ngi VN2.1 BH tai nn - Phm vi BH - Loi tr BH
- Tr tin BH - Cc nghip v BH
I. Cc Nghip v BH con ngi VN2.2 BH sc khe - Phm vi BH - Loi tr BH
- Tr tin BH - Cc nghip v BH
I. Cc Nghip v BH con ngi VN2.3 BH kt hp - Phm vi BH - Tr tin BH
- Cc nghip v BH
