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Cu hi n tp mn nguyn l bo him

Cu hi n tp
CHNG I: TNG QUAN V BO HIM Cu 1: Ti sao ni bo him l mt trong nhng bin php x l ri ro c hiu qu? Cu 2: gii hn phm vi trch nhim ca mnh trong cc trng hp ng bo him, nh bo him thng da vo nhng quy nh no? Cu 3: Nhng quy tc c bn trong bi thng bo him? Cu 4: Phn tch vai tr ca bo him thng mi. Cu 5: ngha ca vic khai bo ri ro trong quan h bo him. Cu 6: Vai tr ca bo him trong nn kinh t th trng?

CHNG II: BO HIM TI SN


Cu 7: Cu 8: Cu 9: Cu 10: Nu khi nim v c trng c bn ca BH ti sn. Nguyn tc th quyn c p dng trong trng hp no? Ni dung ca nguyn tc th quyn? Th no l bo him trng? Cho v d minh ho. BH hng ho xut nhp khu c phi l BH bt buc khng? Ti sao?

CHNG III: BO HIM TRCH NHIM DN S

Cu 11: Cu 12: Cu 13: Cu 14:

Phn bit s khc nhau c bn gia trch nhim dn s trong hp ng v trch nhim dn s ngoi hp ng. Khi nim v c im ca BH trch nhim dn s. So snh BH ti sn v BH trch nhim dn s trn nhng nt c bn nht. Phn tch cc iu kin lm pht sinh trch nhim dn s.

CHNG IV: BO HIM CON NGI


Cu 15: Cu 16: Cu 17: Cu 18: Cu 19: Cu 20: Cu 21: Cu 22: Nu khi nim v c trng c bn ca BH con ngi. Phn bit s khc nhau gia BH con ngi, BH trch nhim dn s, BH ti sn. Trnh by ri ro, tai nn c BH v loi tr trong BH tai nn con ngi. Trong BH con ngi c bo him no di gi tr, trn gi tr khng? Ti sao? Phn bit s khc nhau c bn gia nguyn tc bi thng v nguyn tc khon. Trong BH con ngi c p dng nguyn tc bi thng khng? Nu c th p dng trong trng hp no? S khc nhau gia BH con ngi v BHXH? Cc c trng c bn ca bo him nhn th.

CHNG V: BO HIM X HI

Cu 23: Cu 24:

i tng ca BHXH? Chc nng v tnh cht ca BHXH?

Cu 25: Cu 26: Cu 27: Cu 28:

Ngun qu ca BHXH? Tm tt tng hat ng ca BHXH. iu kin c hng BHXH ( iu 145 B Lut lao ng). S khc nhau c bn gia BHXH v BH Thng Mi (BH con ngi)

CHNG VI: BO HIM Y T


Cu 29: Cu 30: Cu 31: Cu 32: Cu 33: Tc dng ca BHYT? Ngun qu ca BHYT bt buc? S dng v qun l qu BHYT bt buc? Tm tt quyn li ca ngi tham gia BHYT bt buc c hng khi khm cha bnh. Ni dung chi ph khm, cha bnh c BHYT thanh ton? Ni dung chi ph khm, cha bnh khng c BHYT thanh ton? V sao?

Tng hp cc cu hi trc nghim bo him trong kinh doanh


Hy khoanh trn cu tr li ng. Ch : Mi cu ch c mt cu tr li ng duy nht. Phn 1: Khi qut chung v bo him 1. Bo him l cch thc con ngi: a. Ngn nga r i ro c. Loi tr ri ro b. Trnh ri ro d. i ph vi ri ro p n: d 3. Ngi c bo him c th thu c mt khon tin bi thng ln hn gi tr bo him ca i tng bo him khi: a. Bo him trng b. Ti bo him c. Mua bo him vi A>V d. Khng cu no ng p n: d 6. Trong bo him hng hi, c bi thng, ngi c bo him phi c li ch bo him vo thi im: a. K kt hp ng bo him. b. Xy ra tn tht c. a v b d. Khng cu no ng p n: b 8. Hn mc trch nhim ca ngi bo him c th ly t: a. Lut nh b. Tho thun ca hai bn c. Cng c d. C ba ngun trn p n: d 9. Nguyn tc gp phn v th quyn khng c p dng cho loi hnh bo him: a. Ti sn b. Trch nhim dn s c. Con ngi d. Khng c cu no ng

p n: c 11. Gi tr bo him (V) l khi nim p dung cho loi hnh: a. Bo him ti sn b. Bo nhim nhn th c. Bo him TNDS d. C ba loi hnh trn p n: a 12. Chc nng chnh ca bo him l: a. Thc y s pht trin ca cc doanh nghip b. Gip gii quyt cc vn x hi c. Kinh doanh v xut khu v hnh d. Bi thng tn tht p n: d 14. Loi bo him no l bt buc theo Lut kinh doanh bo him ca Vit nam? a. Bo him chy n b. Bo him TNDS ch xe c gii c. Bo him TNDS ca ngi vn chuyn hng khng i vi hnh khch d. Tt c cc loi hnh bo him trn p n: d 15. Khi ngi c bo him vi phm nguyn tc trung thc tuyt i, hp ng bo him c th vn c hiu lc nu ngi c bo him: a. V tnh khng k khai b. Giu thng tin c. C k khai sai d. Khng cu no ng p n: a 18. Mt l hng chuyn ch bng ng bin c bo him vi s tin 10.000USD. n cng ch, do khng c cu lm hng, tu phi u ngoi bin. Trong thi gian ch i, tu b ho hon v hng b tn tht 100%. Vy ch hng s c bi thng bao nhiu? a. 10.000USD b. 11.000USD c. 11.000USD + chi ph cha chy d. Khng bi thng v chm tr l ri ro loi tr p n: a Phn 2: Bo him hng hi 1. Khi mua hng theo iu kin CIF Incoterms 2000, ngi c li ch bo him l: a. Ngi xut khu b. Ngi nhp khu c. Tu tng thi im d. Khng cu no ng p n: c 2. Bo him hng ho XNK l loi hnh bo him a. X hi b Kinh t c. Hng hi d. Nhn th p n: b 7. Gi tr bo him hng ho chuyn ch bng ng bin c th gm hoc khng gm: a. C b. I

c. F d. a p n: d 8. Hot ng bo him hng hi ti Vit nam chu s iu chnh trc tip bi: a. Lut kinh doanh bo him b. Lut hng hi c. ICC1982 d. Khng cu no ng p n: b 9. Khng c bi thng khi tu m va vi: a. Dn khoan b. Bng c. Tu khc d. Nc p n: d 10. Khi vn n c iu khon hai tu m va nhau cng c li, nu c m va vi tu khc, ch hng c th s c bi thng bi: a. Ngi bo him, ch tu chuyn ch hng ca mnh, ch tu khc b. Ngi bo him, ch tu khc v hi P&I c. Ngi bo him, ch tu chuyn ch hng ca mnh v hi P&I d. Khng cu no ng p n: b 11. Hnh trnh t Vit Nam n M mt 2,5 thng chuyn ti ti Hamburg. T Vit Nam n Humburg mt 1 thng v sau khi chuyn ti ti y, khng nhn c tin tc g v tu. Thi gian tu c tuyn b mt tch theo lut ca Anh l bao nhiu thng: a. 4,5 thng b. 7,5 thng c. 2 thng d. 6 thng p n: d 19. WA l mt trong s cc iu kin bo him thuc: a. ICC 1963 b. ICC 1982 c. ITC1995 d. Khng cu no ng c p n: a 20. Theo ICC82, tn tht chung ch c bi thng khi mua iu kin bo him: a. A b. B c. C d. C ba iu kin trn p n: d 27. Bo him hng ho XNK chuyn ch bng ng bin bo him cho ri ro: a. Phng tin ng b b lt hoc trt bnh b. R r thng thng ca hng ho c. Ni t ca hng ho d. Chm tr ca hnh trnh p n: a 33. L hng c gi tr 100.000USD, c bo him vi s tin 50.000USD. Hng b tn tht 1000USD trong qu trnh chuyn ch do ri ro c bo him gy ra. S tin bi thng s

l: a. 1000USD b. 50.000USD c. 25.000USD d. 500USD p n: d 34. Hnh thc bi thng ca bo him hng hi l; a. Sa cha ti sn b thit hi b. Thay th ti sn b thit hi c. Tr tin bi thng d. C ba hnh thc trn p n: c 37. Khi mua hng theo iu kin FOB Incoterms 2000, ngi nhp khu phi mua theo iu kin: a. A ICC 1982 b. B ICC 1982 c. C ICC 1982 d. Khng bt buc p n: d 42. Thu triu l ngoi lc bn ngoi gip tu thot cn, v vy ri ro mc cn do thu triu c bo him trong iu kin bo him: a. A ICC 1982 b. B ICC 1982 c. C ICC 1982 d. Khng iu kin no c. p n: d 43. Trong ri ro hai tu m va nhau cng c li, ch hng mua bo him c ngi bo him bi thng cc khon tin sau: a. Khon tin tu c li cha bi thng ht b. Khon tin tu c li cha bi thng c. Khon tin phi tr cho ch tu chuyn ch d. Tt c cc khon trn p n: d 45. Trong hnh trnh chuyn ch, hng A bc chy do i qua vng bin c kh hu kh lm chy ly sang l hng B, trch nhim ca ngi bo him hng ho i vi hai l hng ny l: a. Bi thng cho c hai b. Bi thng cho l hng A c. Bi thng cho l hng B d. Khng bi thng cho l hng no c. p n: c 49. Nc ma l ri ro c bo him trong iu kin bo him: a. A ICC 1982 b. B ICC 1982 c. C ICC 1982 d. Tt c cc iu kin bo him trn p n: a 52. Thi hn khiu ni ngi bo him hng ho theo QTC1990 l: a. 1 nm b. 2 nm c. 1 nm c th tho thun ko di

d. 2 nm c th tho thun ko di p n: b 53. Ch tu khi mua bo him thn tu c th mua bo him cho cc chi ph khc na nhng khng c vt qu. a. 10% b. 25% c. 50% d. 75% p n: c 59. Khi mua bo him m va vi mc 4/4 trch nhim m va ti hi bo him P&I, ngi c bo him s c bo him thn tu v hi P&I bi thng n: a. 4/4 trch nhim m va b. 7/4 trch nhim m va c. 3/4 trch nhim m va d. Tu tng trng hp p n: a Phn 4: Bo him hng khng 1. Trong cc loi hnh bo him sau, loi hnh bo him no khng phi l bo him bt buc theo Lut kinh doanh bo him ca Vit nam? a. Thn my bay b. TNDS i vi ngi th ba c. TNDS i vi hng ho, hnh l, t trang v hnh khch d. TNDS ca ch sn bay v ngi iu hnh bay p n: a 8. Trong hnh trnh hng khng, do my bay b s c, hnh khch kp thot ra ngoi trc khi my bay b n, theo bn ngi c bo him c khiu ni i bi thng tn tht i vi: a. Hng ho, hnh l v t trang b. Hng ho v hnh l c. Hnh l v t trang d. Khng cu no ng p n: a 10. Hp ng bo him s ht hn hiu lc cho d hng vo kho hay cha sau ngy k t ngy hng c d ra khi my bay a. 60 ngy b. 45 ngy c. 30 ngy d. 15 ngy p n: c 11. Ngi bo him khng c quyn thay th my bay (trong trng hp my bay tn tht ton b) khi hp ng bo him c k da trn: a. Gi tr bo him b. S tin bo him nh hn gi tr bo him c. Gi tr tho thun d. Khng cu no ng p n: c Phn 6: Bo him xy lp 6. Trong bo him lp t, phi p dng biu ph bo him xy dng cho phn vic xy dng nu phn cng vic ny c gi tr ln hn: a. 20% gi tr cng trnh

b. 30% gi tr cng trnh c. 40% gi tr cng trnh d. 50% gi tr cng trnh p n: a

Cu hi n tp Mn: Bo Him
Cu 1: S tin bi thng hoc tin nh bo him tr c gii hn bi yu t no? S tin bo him c ghi trong hp ng. Cu 2: Gii hn phm vi trch nhim ca ngi bo him trong hp ng bo him thng c qui nh trong cc iu khon no? Ri ro c bo him v ri ro loi tr. Cu 3: Mc ch ca vic khai bo ri to khi thit lp hp ng bo him l g? Nh bo him chp nhn hay t chi bo him v nh ph bo him. Cu 4: Trong hp ng bo him, ngi c quyn la chn iu kin bo him, sa i, ti tc hay chm dt hp ng bo him l ai? Ngi bo him v ngi tham gia bo him. Cu 5: Tc dng ca ti bo him l g? Tng kh nng ti chnh v kh nng k kt ca ngi bo him. Cu 6: Bo him x hi Vit Nam c thc hin di hnh thc no? Na t nguyn v na bt buc. Cu7: Bo him y t chi tr cho ngi tham gia bo him trong trng hp no? Chi tr cho ngi c th bo him y t v chi ph khm cha bnh khi au m v bnh tt. Cu8: S tin bo him ca hp ng bo him ti sn c xc nh da vo cc yu t no? Gi tr bo him hay gi tr ti sn. Cu9: Trong hp ng bo him trch nhim dn d, thut ng ngi th ba ch ch th no? L ngi c tnh mng sc khe hoc ti sn trc tip b thit hi trong s c.(L nn nhn trong cc v tai nn). Cu 10: Hot ng bo him x hi nhm mc ch g? Bo v ngi lao ng n nh cuc sng gia nh khi gp s c ri ro, bin c bt ng. Cu 11: Nguyn tc no c p dng khi tr tin bo him nhn th? Nguyn tc khon.

Cu 12: V sao trong bo him con ngi khng t ra vn bo him trn gi tr, di gi tr? V i tng bo him l con ngi l tnh mng sc khe, kh nng lao ng v tui th ca con ngi mang tnh cht phi vt ho khng lng ho c thnh tin. Cu 13: V sao bo him ri ro l mt trong nhng bin php khc phc ri ro c hiu qu i vi khch hng bo him? V cc doanh nghip bo him bo m v ti chnh cho khch hng khi ri ro xy ra. Cu 14: ngha ca bo him thng mi l g? L trung gian ti chnh tp trung vn u t cho nn kinh t. Cu 15: Qu bo him x hi c thnh lp nhm mc ch g? Tr cp cho ngi c bo him v gia nh h trong trng hp gim hoc mt thu nhp do gp cc ri ro m au, thai sn, tai nn bnh ngh nghip, ht tui lao ng theo qui nh php lut hoc t vong. Cu 16: Chc nng ca bo him x hi l g? - m bo n nh i sng kinh t cho ngi lao ng v gia nh h khi ngi lao ng gim hoc mt kh nng lao ng. - Phn phi v phn phi li thu nhp, gia nhng ngi tham gia BHXH. - Gn li ch ca ngi s dng lao ng, ngi lao ng vi nh nc. - m bo an ton x hi, gn ngi lao ng vi x hi. Cu 17: Nhng ri ro no do bo him x hi m bo? Ri ro v con ngi Cu 18: Hot ng ca bo him y t nhm mc ch g? Gip ngi tham gia bo him y t khc phc kh khn v kinh t, khi ri ro m au xy ra gim gnh nng cho ngn sch nh n. Gp phn nng cao cht lng v cng bng x hi khi khm cha bnh. Cu 19: V sao bo him y t khng thanh ton chi ph i vi iu tr cc bnh tt bm sinh? V bo him y t ch thanh ton chi ph cho nhng ri ro bt ng v sc khe ca con ngi, khng thanh ton cho nhng ri ro c sn. Cu 20: Ngi tham gia bo him y t c quyn g? La chn ng k ni khm cha bnh ban u thun li cho mnh. Cu 21: Bo him trng xy ra khi no ? Khi cng mt i tng bo him c bo him ng thi t nht t 2 hp dng bo him tr ln, cc hp ng bo him ny c cng iu kin bo him tng s tin bo him ca cc hp ng ln hn gi tr ca i tng c bo him. Cu 22: Trch nhim dn s ngoi hp ng pht sinh khi no? Khi pht sinh ngha v bi thng theo lut php gia cc ch th khng c quan h hp ng. Cu 23: Bn th ba trong quan h bo him trch nhim dn s c biu hin nh th no? L bn b thit hi do bn c bo him gy ra.

Cu 24: Bo him khng gii hn l g? L khng xc nh c trc s tin bo him ca hp ng bo him. Cu 25: Bo him khng gii hn c p dng trong loi hnh bo him no? L bo him trch nhim dn s. Cu 26: V sao nguyn tc khon c p dng trong loi hnh bo him no? Ph hp vi c th ca i tng bo him con ngi. Cu 27: Ri ro c th c bo him do s kin no? Do nhng s c hon ton ngu nhin i vi ngi c bo him. Cu 28: Tc dng ca bo him thng mi? Cu 29: Bo him thng mi m bo cho nhng ri ro no? Nhng ri ro khng lng c trc. Cu 30: Nhng ai l i tng tham gia bo him x hi? L tt c ngi lao ng ( cng chc nh nc, ngi lm cng n lng) Cu 31: Bo him x hi c hnh thnh nhm tho mn nhu cu ca i tng no? Nhu cu khch quan ca ngi lao ng. Cu 32: Qu bo him x hi c hnh thnh nhm tho mn nhu cu ca i tng no? T s ng gp ca ngi s dng lao ng , ngi lao ng v cc ngun khc nh ti tr ca ngn sch nh nc, cc hi t thin c nhn ng h. Cu 33: Ngi tham gia bo him x hi c hng mc bo him x hi ph thuc vo cc yu t no? Tnh trng mt kh nng lao ng, thi gian tham gia bo him x hi, mc ng ph bo him. Cu 34: Qu bo him x hi chi tr cho ngi lao ng ngh vic trong trng hp no? m au, thai sn, tai nn lao ng, bnh ngh nghip. Cu 35: Qu bo him x hi chi tr chi ph khm cha bnh trng hp no? Xt nghim, chiu chp X- Quang. Cu 36: Trng hp no qu bo him y t khng chi tr? Cu 37: Mt ngi xin ngh m 10 ngy. trong c 1 ngy ch nht v 2 ngy chu tang ngi nh cht. Xc nh s ngy ngh m c hng tr cp m au ca ngi . Bi gii: S ngy ngh m c hng tr cp m au ca ngi l: 10 ( 1+2) = 7 ngy. Cu 38: Mt ngi lao ng c thu nhp trc khi ngh vic do m au l 650.000/ thng ( bao gm lng, ph cp ghi trong hp ng), cng tc ph khon 250.000/thng, tin n gia ca 180.000/thng, tin thng nng sut 150.000. Ngi tham gia bo him x hi trn 30 nm v c hng mc tr cp l 70%.

Xc nh mc trp cp 1 ngy ca ngi . Cu 39: Mt hp ng bo him c s liu sau: Gi tr bo him: 5.000$. S tin bo him: 4.200$. Min thng c khu tr: 35$. Gi tr tn tht: 600$. Xc nh s tin bi thng ca ngi bo him trong trng hp ny? Cu 40: Cng ty vt t nng nghip II nhp 15.000 tn phn bn tr gi 2.500.637$ ( ga C v F). Hp ng chuyn ch t Nga v cng Hi Phng. Cng ty tham gia bo him cho l hng trn ti Bo Vit theo iu kin A (QTC B 1998) v Bo vit chp nhn bo him cho ton b l hng theo gi tr CIF cng li c tnh( li c tnh l 10%). T l ph l 0,7%. Xc nh ph bo him cho l hng. Cu 41: Mt ti sn c gi tr bo him 8.500$, s tin bo him 3.300$ gi tr tn tht l 2100$. Xc nh s tin bi thng theo t l ca ngi bo him. Cu 42: Li xe t say ru m vo xe my i ngc chiu lm ngi li xe my cht v xe my b hng thit hi 56 triu. Ngi li xe my tham gia bo him tai nn vi s tin 42 triu/ ch ngi/ v. Xc nh quyn li ca ngi ca ngi li xe my c hng trong v tai nn ny. Cu 43: Mt ti sn c gi tr bo him 3.000$, s tin bo him 2.000$. Gi tr tn tht l 2.500$. Xc nh s tin bi thng theo ri ro u tin? Cu 44: Mt cng ty nhp khu mt l hng tr gi ghi trn ho n l 1.680.000$, chi ph vn chuyn tnh cho ngi mua l 90.000$. S tin bo him c tnh bng 110%CIF v t l ph p dng 0,7%. Xc nh ph bo him m ch hng phi tr mua cho l hng trn? Cu 45: Thng 2/2002 xe A v xe B ca x nghip X va qut nhau. C 2 xe u tham gia bo him trch nhim dn s mc bt buc ( i vi ti sn: 30tr/v; i vi ngi: 30tr/ng/v) v tham gia bo him thn xe vi STBH bng 80% gi tr xe. Thit hi ca 2 xe nh sau: Xe A Xe B Li 60% 40% Thit hi thn xe 17 triu ng 25 triu ng Yu cu: Tnh s tin bi thng ca ngi bo him theo hp ng bo him thn xe cho xe A trong v tai nn ny. Cu 46: Thng 1/2004 xe t ti va vo mt ngi i xe my lm ngi ny b thng nh v thit hi nh sau: chi ph iu tr ht 250.000; xe my tr gi 40tr h hi gim gi tr 50%. Xe ti tham gia bo him trch nhim dn s dnh cho ch xe c gii i vi ngi th vi mc 30tr/ng/v v 30tr/ti sn/v. Yu cu: Tnh s tin bi thng ca ngi bo him theo hp ng bo him trch nhim dn d trong v tai nn ny( li xe t ti 100%)

Cu 47: Thng 1/2004 xe A v xe B ca x nghip X ve qut nhau. C 2 xe u tham gia bo him trch nhim dn s mc bt buc ( i vi ti sn: 30tr/v; i vi ngi : 30tr/ng/v) v tham gia bo him thn xe vi 80% gi tr xe. Thit hi ca 2 xe nh sau: Xe A Xe B Li 60% 40% Thit hi thn xe 10 triu ng 25 triu ng Yu cu: Tnh s tin bi thng ca ngi bo him theo hp ng bo him trch nhim dn s cho xe A trong v tai nn ny? Cu 48: Mt ti sn tr gi 15.000$ c mua bo him ng gi tr vi iu kin min thng c khu tr 2.500$. Trn ng vn chuyn ti sn b thit hi tr gi 9.000$ do ri ro c bo him gy ra. Yu cu: Tnh s tin bi thng ca cng ty bo him theo quy tc bi thng c min thng. Cu 49: Mt ti sn tr gi 12.000$ c mua bo him vi s tin l 9.500$. Trn ng vn chuyn ti sn b thit hi tr gi 9.000$ do ri ro c bo him gy ra. Yu cu: tnh s tin bi thng ca cng ty bo him theo quy tc bi thng theo t l. Cu 50: Mt ti sn tr gi 20.000$ c mua bo him ng gi tr. Trn ng vn chuyn ti sn b thit hi tr gi 16.000$ do ri ro c bo him gy ra. Yu cu: tnh s tin bi thng ca cng ty bo him trong trng hp p dng quy tc bi thng theo ri ro u tin. Cu 51: Mt ti sn tr gi 14.000$ c mua bo him vi s tin l 9.500$ vi iu kin min thng c khu tr 2.500$. Trn ng vn chuyn, ti sn b thit hi tr gi 9.000$ do ri ro c bo him gy ra. Yu cu: Tnh s tin bi thng ca cng ty bo him trong trng hp p dng kt hp quy tc bi thng theo t l v quy tc bi thng c min thng? Cu 52:Mt l hng tr gi 850.000$ (gi CIF) c bo him bnghai hp ng bo him c phm vi ging nhau: Hp ng 1 vi Bo Minh c s tin bo him l 520.000$. Hp ng 2 vi BoVit c s tin l 640.000$. Trn hnh trnh hng b h hng gimgi tr 60% do mt ri ro c bo him gy ra. Yu cu: Tnh s tin bi thng ca cc nh bo him cho ch hng? Bit rng li c tnh bng 10% gi CIF. Cu 53: Mt l hng tr gi 4.000.000$9 (GiCFR) c bo him cho ton b gi tr cng li c tnh 10%. T l ph l 0,6%. Yu cu: Xc nh ph bo him cho l hng? Cu 54: Xe ti X tr gi 1.000tr c bo him thit hi vt cht xe c gii vi s tin bo him l 850tr. Xe b tai nn thit hi nh sau: Thit hi thn xe: 30tr. Thit hi c trong xe: 17tr.

Chi ph v ngi li xe: 10tr. Yu cu: Tnh s tin bi thng ca cng ty bo him trong v tai nn. Cu 55: Mt ti sn tr gi 550tr c bo him vi s tin bo him l 320tr. Ph np mt ln theo t l ph l 0,3%. Ti sn b tn tht trong thi hn hiu lc hp ng vi gi tr thit hi l 95tr. Khi gim nh tn tht pht hin sai st trong khu khai bo khng c ca ch ti sn khu khai bo ri ro. Nu khai bo chnh xc th t l ph bo him phi l 0,5%. Yu cu: tnh ton s tin bi thng ca nh bo him trong TH ny? Cu 56: Anh B l cng nhn ca cng ty X b m phi vo vin iu tr. Thi gian iu tr ht 22 ngy, trong c 1 ngy ch nht, 1 ngy l. Yu cu: tnh s ngy ngh vic hng tr cp m au m anh B c hng theo quy nh ca BHXH Vit Nam. Cu 57: Cng ty Vinafood nhp khu 10.000 tn bt m, gi ghi trn ho n thng mi l 3.500.000$. Chi ph vn chuyn do ngi mua chu l 70.000$. T l ph bo him l 0,4%. Cng ty mua bo him cho l hng theo gi tr CIF cng li c tnh l 10%. Yu cu: Tnh s tin bo him ca l hng bt m trn? Cu 58: Cng ty Vinafood nhp khu 10.000 tn bt m, gi ghi trn ho n thng mi l 8.500.000$. Chi ph vn chuyn do ngi mua chu l 90.000$. T l ph bo him l 0,4%. Cng ty mua bo him cho l hng theo gi tr CIF cng li c tnh l 10%. Yu cu: Tnh ph bo him ca l hng bt m ni trn. Cu 59: Xe t X m vo anh H i xe my lm anh b t vong. Chi ph iu tr cho anh H trc khi cht v chi ph mai tng anh H l 22tr. Chic xe myc gi tr 35tr b thit hi ton b. Anh H c tham gia bo him tai nn ngi ngi trn xe vi s tin bo him l: 25tr/ch ngi/v. Yu cu: Tnh cc quyn li m anh H c hng. Bit rng: Ch xe t X tham gia bo him trch nhim dn s vi ch xe c gii i vi ngi th 3 mc ti thiu 30tr/ti sn/v v 30tr/ng/v. Li hon ton thuc v xe t X. Cu 60: Xe ti X m va vo mt em hc sinh gy hu qu nh sau: Em hc sinh b gy xng hm. Chi ph iu tr ht 7tr. Yu cu: Xc nh s tin bi thng em hc sinh c nhn t cc hp ng bo him. Bit rng: - Xe tai nn X tham gia bo him trch nhim dn s vi ch xe c gii i vi ngi th 3 mc bt buc ti thiu. - Em hc sinh tham gia bo him ton din hc sinh vi s tin bo him l 12tr. - T l tr tin bo him tng ng vi gy xng hm l 15%. - Li hon ton thuc v xe ti X. Cu 61: Mt hp ng bo him c s liu nh sau: Gi tr bo him: 4.000 VTT. S tin bo him: 3.5000DVTT> Mc min thng c khu tr 10% gi tr thit hi ( khng thp hn

400 VTT). Gi tr thit hi : 1.000VTT. S tin bi thng ca ngi bo him l bao nhiu? Cu 62: Mt ti sn tr gi 30.000DVTT, c bo him bng 2 hp ng bo him: Hp ng 1: S tin bo him = 16.000VTT. Hp ng 2: S tin bo him = 18.000VTT. Tn tht l 11.500VTT. S tin bi thng ca mi hp ng bo him l bao nhiu? Cu 63: C s liu v mt l hng xut khu nh sau: Gi trn ho n thng mi: 1.800.000 $. Cc ph vn chuyn ng bin: 280.000$. T l ph bo him: 0,8%. Bo him li c tnh: 10%CIF. Ph bo him ca l hng l bao nhiu? Cu 64: Mt ngi iu khin xe my b tai nn giao thng thit hi nh sau: Thit hi v xe: 3tr ng. Chi ph iu tr thuc men, thu nhp b gim: 8 tr ng. Ngi iu khin xe my mua bo him trch nhim dn s ca ch xe c gii i vi ngi th 3 vi hn mc ti thiu, bo him tai nn con ngi vi s tin bo him bng 9tr ng. S tin chi tr ca bo him con ngi cho ngi iu khin xe my l bao nhiu tin? Cu 65: Mt ngi lao ng c thi gian ng bo him x hi l 14 nm, ngh m 50 ngy ( trong c 8 ngy ngh th 7 v ch nht). Ngi ny lm trong doanh nghip nh nc v ngnh ngh khng c hi, khng c ph cp khu vc. Tnh s ngy ngh m c hng tr cp m au ca BHXH l bao nhiu? Cu 66: Ngy 01/02/2004 Mt t m va vo ngi iu khin xe my, hu qu nh sau: Thit hi v ti sn ca ngi i xe my: 7tr ng. Thit hi v ngi i xe my: 15tr ng. Chi ph sa cha xe t: 3,5 tr ng. Li do xe t 100%. Ch xe tham gia bo him trch nhim dn s ca ch xe c gii vi hn mc ti thiu (30tr/1 v v ti sn v 30tr/1v v ngi). S tin bi thng ca ngi bo him cho ch xe t l bao nhiu? Cu 67: Mt hp ng bo him c s liu nh sau: Gi tr bo him: 10.000VTT. S tin bo him: 9.000VTT. Mc min thng c khu tr: 10% tr gi thit hi khng thp hn 1.500 VTT. Tn tht: 5.500VTT. Ngi bo him phi bi thng s tin l bao nhiu?

Cu 68: Theo thng k, mc ph thun bo him trch nhim dn s ca mt loi xe cgii l 39.800ng/xe/1nm.(Cha bao gm thu GTGT). Nu t l ph ph ( bao gm chi ph k kt hp ng, chi ph qun l) l 25% ph ton b, th ph bo him( ph thng mi)/xe/nm l bao nhiu? Cu 69: Mt hc sinh i xe but tai nn gy tay b bt. Chi ph b bt ht 1,5tr ng, iu tr bnh thng 22 ngy ti nh, t l tr tin bo him tng ng vi gy tay b bt l 15% iu tr bnh thng. Hc sinh c nh trng tham gia bo him tai nn hc sinh vi s tin bo him l 7tr/v. Cng ty xe but mua bo him tai nn hnh khch vi s tin bo him l 1tr/v. Tnh s tin m hc sinh nhn c t cc hp ng bo him l bao nhiu? Cu 70: Mt ngi lao ng ngh hu c s liu nh sau: - Lng trc khi ngh hu lm cn c ng bo him x hi l: 1tr9/thng. - Lng lm cn c ng bo him x hi bnh qun trc 5 nm ngh hu l 1tr740/thng. - T l hng lng hu: 70%. Ngi lao ng ny s c lnh lng hng thng l bao nhiu? Cu 71: Mt cn b X thuc mt doanh nghip Nh nc b tai nn lao ng lm suy gim 40% kh nng lao ng. Mc lng ti thiu m ngi cn b c hng l 290.000/thng. Mc tr cp 1 ln i vi trng hp suy gim 2% n 30% l 12 thng lng ti thiu. S tin tr cp tai nn lao ng v tr cp m au ca bo him x hi cho cn b X l bao nhiu? Cu 72: Mt hp ng bo him y t c s liu nh sau: Gi tr bo him: 2.000.000$. S tin bo him: 1.000.000$ Gi tr tn tht: 75.000$. Tnh s tin bi thng ca ngi bo him cho trng hp trn? Bit rng ri ro thuc trch nhim ca hp ng. Cu 73: Mt hp ng c s liu nh sau: Gi tr bo him: 3.000.000$ S tin bo him: 1.100.000$ Gi tr tn tht: 40.000$. Min thng c khu tr 1,5% s tin bo him nhng khng di 12.000$. Yu cu: Cn c vo s liu trn hy xc nh mc min thng. Cu 74: Mt hp ng bo him c s liu nh sau: Gi tr bo him: 1.500.000$. S tin bo him: 900.000$. Gi tr tn tht: 50.000$. Min thng c khu tr 2.000$. Yu cu: Xc nh s tin bi thng ca bo him? Bit rng: ri ro thuc trch nhim ca hp ng bo him.

Cu 75: Cng ty vt t nng nghip Hi Phng nhp khu 12.000 tn phn m tr gi 3.2000.000(tnh theo CIF). Hp ng vn chuyn t Malaysia v Hi Phng. Ch hng tham gia bo him cho l hng trn ti Bo Vit hi phng theo iu kin bo him A(QTCB 1998). Yu cu: Xc nh ph bo him cho l hng trn? Bit rng t l ph bo him l 0,85%. Cu 76: Ti sn A tr gi 250.000.000$ VN ang c bo him ng thi 2 hp ng bo him c phm vi bo him tng t nhau: Hp ng bo him 1 c s tin bo him: 170tr ng. Hp ng bo him 2 c s tin bo him: 130tr ng. Ti sn A b thit hi do mt ri ro thuc trch nhim ca c 2 hp ng gy ra. Gi tr thit hi 150tr ng. Yu cu: Tnh s tin bi thng ca cc hp ng bo him? Cu 77: Trong mt tai nn lao ng, anh Hng b thng. Theo gim nh ca c quan y t, anh Hng b suy gim 30% kh nng lao ng. Theo quy nh ca ch bo him x hi hin hnh, anh hng c hng tr cp mt ln bng 12 thng lng c bn. Lng c bn theo quy nh hin hnh ca php lut l 290.000/thng. Ph cp anh Hng c hng l 2,6. Yu cu: Xc nh mc tr cp m anh Hng c hng. Cu 78: Ti sn A tr gi 450tr ng c bo him bi mt hp ng bo him ti sn vi Bo Vit c s tin bo him l 350tr ng. TS b tn tht do ri ro c bo him gy ra. Gi tr tn tht: 220tr ng. Xc nh c c ngi th 3 phi chu trch nhim hon ton i vi thit hi ca TS A. Yu cu: Xc nh s tin m bo Vit c th quyn i ngi th 3. Cu 79: Xe b tham gia bo him thit hi vt cht xe c gii ti Bo Vit vi s tin bo him l 250tr ng, xe b lt thit hi v chi ph pht sinh nh sau: D tnh chi ph sa cha xe: 55tr ng. Chi ph ko cu xe: 4tr ng. Yu cu: X/ s tin bi thng ca ngi bo him trong v tai nn trn. Bit rng: Gi tr xe l 300tr ng. Tai nn xy ra trong thi hn hiu lc ca hp ng bo him. Cu 80: Trong qu trnh lu hnh, xe B gy ra tai nn m va gy thit hi nh sau: Thn v xe b thit hi: 60%. Yu cu: Tnh s tin ngi bo him bi thng trong v tai nn trn? Bit rng: - Xe B ang tham gia bo him thn v xe ti Pijico vi s tin bo him bng 100% gi tr ca b phn xe tham gia bo him. - Gi tr xe B ti thi im tham gia bo him: 520tr ng. - Theo bng t l cu thnh xe, b phn thn v chim 60% gi tr xe. Cu 81: V tai nn xy ra gia xe A v xe B gy hu qu cho xe B nh sau: - Xe B b thit hi 40% gi tr thn v, 100% ng c. - Chi ph ko, cu xe: 4 tr ng.

Yu cu: Tnh s tin bi thng ca bo him trong v tai nn trn? Bit rng: - Xe B ang tham gia bo him thn v xe vi s tin bo him bng 100% gi tr b phn tham gia bo him. - Theo bng t l cu thnh xe, b phn thn v xe chim 65% gi tr xe. - Gi tr xe: 320tr ng. Cu 82: Anh Hong l mt cn b cng nhn vin chc thuc b Cng Nghip b x gan c chng, phi iu tr ht 62 ngy ( trong c 18 ngy l ngy l v ch nht). Tin lng lm cn c tnh vo bo him x hi ca anh Hong trc khi ngh m l: 550.000VN. Thi gian lm vic 26 ngy/thng. Yu cu: Xc nh mc tr cp m au m anh Hong nhn c? Bit rng x gan c chng l loi bnh cn iu tr di ngy theo danh mc ca b y t. Cu 83: Xe t X trong khi vt mt xe t khc m vo xe t Y i ngc chiu hu qu xe Y v xe X u b h hng. Li xe b thng, li hon ton thuc v xe X. Chi ph sa cha xe X: 10tr ng. Chi ph sa cha xe Y: 30tr ng. Thit hi v ngi li xe Y: 10tr ng. Hi che X tham gia bo him trch nhim dn s vi ch xe c gii i vi ngi th 3 mc trch nhim no? Bit rng cng ty bi thng cho ch xe y thit hi v xe l 30tr ng v thit hi v ngi l 10tr ng. Cu 84: Hc sinh Anh tham gia bo him ton din hc sinh vi s tin bo him 22tr ng. Hp ng bo him c thi gian t 05/09/2001 n 05/09/2002. Ngy 01/08/2002 hc sinh Anh b au rut tha phi a vo vin phu thut ct rut tha. Sau 20 ngy iu tr, Anh phc hi sc khe v c ra vin ngy 20/08/2002. Hi s tin bo him m Anh nhn c l bao nhiu? Nu t l tin tr cp nm vin theo quy nh l 0,3% STBH/ngy cho 10 ngy u v 0,2%STBH/ ngy cho 20 ngy tip theo. T l tr cp phu thut ct rut tha l 15% tin bo him. Cu 85: Hc sinh C tham gia bo him ton din hc sinh vi s tin bo bim 6tr ng v ng thi hc sinh C cn l ngi c bo him ca hp bo him an sinh gio dc s 1250 vi s tin bo him 35tr ng(thi hn 12 nm). Trong thi hn hiu lc hp ng c 2 hp ng hc sinh C b tai nn v t vong. Hi s tin bo him m gia nh hc sinh C c nhn l bao nhiu? Bit rng hc sinh C tham gia bo him an sinh gio dc c 3 nm. Cu 86: ngha quan trng ca vic khai bo ri ro khi thit lp hp ng bo him l g? Cung cp nhng thng tin cn thit lin quan n i tng bo him cho ngi bo him. Ngi bo him chp nhn hay t chi bo him v xc nh gi tr bo him. Cu 87: S tin bo him trn hp ng bo him c hiu nh th no? Th hin gii hn trch nhim ca ngi bo him trong vic bi thng hoc tr tin bo him.

Cu 88: Hp ng bo him l g? L s tho thun gia cc bn, theo bn c bo him phi ng ph bo him cn bn bo him phi tr mt khon tin bi thng hoc tin tr bo him cho bn c bo him khi xy ra s kin bo him. Cu 89: Nguyn tc c bn no chi phi vic bi thng trong bo him ti sn? nguyn tc bi thng. Cu 90: ngi bo him v ngi tham gia bo him khng c php tho thun la chn trng hp no khi tham gia k kt hp ng bo him TS? Nhng iu khon chnh ca hp ng. Cu 91 Trong bo him trch nhim dn s, ngi c bo him l ngi nh th no? L ngi chu trch nhim dn s v nhng thit hi c ngi bo him bo v bng cch nhn trch nhim bi thng 1 phn hoc ton b thit hi. Cu 92: Nguyn tc c bn no chi phi vc bi thng c thc hin trong cc nghip v bo him trch nhim dn s? Nguyn tc bi thng. Cu 93: Tnh cht ca bo him trch nhim x hi l g? Tnh tt yu KQ,Ps khng ng u, va mang tnh cht x hi, kinh t li c tnh dch v. Cu 94: ngha c bn ca nguyn tc bi thng l g? S tin ngi c bo him nhn c khng vt qu thit hi ca h trong s c. Khng cho php kim li khng hp l t quan h bo him. Cu 95:Trong bo him con ngi, s tin bo him trn hp ng c xc nh da vo cn c no? Kh nng ti chnh ca ngi tham gia bo him. Cu 96: Khi p dng quy tc t l trong bi thng thit hi, s tin bi thng c xc nh nh th no? S tin bi thng =Gi tr thit hi*t l bi thng. Cu 97. Ngi c th bo him y t c thanh ton trong nhng trng hp no? Chi ph khm cha bnh. Cu 98: tc dng c bn ca bo him l g? Dng qu ng gp ca s ng ngi c cng kh nng gp ri ro khc phc hu qu, b p thit hi cho s ngi thc s gp ri ro. Cu 99: Ph bo him x hi Vit nam c xc nh ph thuc vo? Qua trnh lao ng. Cu 100: Ch vo ca bo him x hi cha c p dng nc ta? Tr cp tht nghip.

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