Ph tu gi (OAP - Overage Additional Premium) l khon ph bo him m ngi mua bo him phi ng thm (ngoi mc ph thng thng) theo

hp ng bo him bao (Open Cover/policy) hng ho bng ng bin khi hng ho mua bo him c vn chuyn trn phng tin tu bin khng tho mn (khng thuc phm vi ca) iu kin phn cp tu chun (Institute Classification Clause). Institute Classification Clause (ICC) l mt trong nhng iu khon bt buc c trong cc hp ng bo him bao, quy nh nhng tiu chun ti thiu (v c quan phn cp/ng kim tu v tui tu ) p dng i vi tu vn chuyn l hng c bo him c hng mt mc ph bo him n nh no trong n hoc ph lc n bo him. Chng hn Institute Classification Clause phin bn 1/1/2001 quy nh a) Tu phi c phn cp bi mt trong s c quan ng kim thuc Hip hi ng kim quc t (IACS) gm 10 c quan ng kim hng u th gii, hoc c quan ng kim quc gia m tu ng k vi iu kin tu ch hot ng vn chuyn ni a nc . b) Gii hn tui tu : + Khng qu 10 tui vi tu hng ri v tu hng kt hp + Nh hn 15 tui vi cc tu khc, ring tu hng bch ho chuyn tuyn khng qu 25, tu container/vn chuyn t chuyn tuyn khng qu 30 tui. Nh vy, khng phi ring tu chuyn m tu bt k tu no khng tho mn chun ICC u phi ng ph tu gi. Do chun ICC vi tng loi tu l khng ging nhau nn mi c trng hp c loi tu phi ng ph, c loi th khng d tui tu ngang nhau. Tu hng ri qua tui 10-15 th cn c ng, ch tu container khai thc chuyn tuyn c tui vt khung 25-30 th rt him, v y l ngng tui tu v hu ri.