Bo him hng ho XNK, thn tu, TNDS ch tu Bi 1: Tu BN-02 tr gi 1.500.000$, bo him ngang gi tr, ch hng vI tr gi 500.

000$, bo him vi STBH: 400.000$. Trn ng vn chuyn do gp bo to hng vI b ngm nc bin, thit hi 15.000$, chi ph ng gi li hng ht 2.000$. Tip tc hnh trnh tu b mc cn, cu nguy cho c tu v hng thuyn trng quyt nh vt mt s hng xung bin lm nh tu tr gi 5.000$, chi ph ko tu ra khi cn mt 1.000$, sau tu v bn an ton. Yu cu: phn b TTC v xc nh s tin bi thng ca bo him cho ch hng v ch tu, bit rng: - Ch hng tham gia bo him ti Bo Minh theo iu kin C, bi thng theo t l, - Ch tu tham gia bo him ti Bo Vit theo iu kin mi ri ro, bi thng theo mc min thng c khu tr bng 1%STBH. Bi 2: Tu N-01 tr gi 1.200.000$, bo him ngang gi tr, nhn ch hng cho 2 ch hng: - Ch hng X: Hng go tr gi 400.000$, STBH:300.000$. - Ch hng Y: hng gm s tr gi 100.000$, bo him ngang gi tr. Trn ng vn chuyn t Qung Ninh sang chu u, tu khng may gp bo ln, my mc thit hi d tnh phi sa cha ht 10.000$, chi ph sa cha tm thi ht 500$, nc bin trn vo khoang tu, hng go b ngm nc thit hi 5.000$, chi ph ng gi li hng go 1.000$. Hng gm s b v thit hi 8.000$. V an

ton chung, thuyn trng quyt nh cho tu vo cng lnh nn sa cha: - Chi ph hoa tiu dn ng 2.000$. - Chi ph thu th on 5.000$. - Chi ph cng v 3.000$. - Chi ph bc hng v gi hng trong kho 4.000$. - Chi ph sa cha my mc thc t 25.000$. Sau tu v bn an ton. Yu cu: Hy phn b TTC v xc nh s tin bo him bi thng cho ch tu v ch hng, bit rng: - Ch tu tham gia bo him ti Bo Vit Qung Ninh theo iu kin mi ri ro, ch bi thng theo ri ro u tin. - Ch hng X tham gia bo him ti PJICO theo iu kin C, bi thng theo t l. - Ch hng Y tham gia bo him ti Bo Vit H Ni theo iu kin B, ch bi thng theo mc min thng khng khu tr 2% STBH. Bi 3: Mt con tu HP- 01 tr gi 500.000$, bo him 50%gi tr, nhn ch hng cho cng ty A: Hng c ph tr gi 200.000$, STBH: 150.000$. Trn ng vn chuyn, tu khng may m vo ngm b thng tu, thit hi phI sa cha 2000$, nc bin trn vo lm hng hng thit hi 6.000$, chi ph ng gi v thay bao b ht 1.000$. an ton chung, thuyn trng quyt nh dng mt s kin hng bt l thng, thit hi 2.000$, ng thi cho my hot ng ht cng sut, my hng phI sa cha 5.000$, khi

bc xp ti cng ch, do cng nhn s sut lm rI mt s kin hng xung bin thit hi 500$. Yu cu: Phn b TTC v xc nh s tin bi thng cho ch tu, ch hng, bit rng: - Ch tu tham gia bo him ti Bo Vit HI Phng, theo iu kin mi ri ro, bi thng theo ri ro u tin. - Ch hng tham gia bo him ti Bo Minh theo iu kin B, ch bi thng theo mc min thng c khu tr 1%STBH. Bi 4:Tu QN-05 tr gi 1.000.000$, bo him vi STBH l 800.000$, nhn ch cho 2 ch hng: - Ch hng A: Hng tr gi 1.200.000$, STBH l 900.000$. - Ch hng B: Hng tr gi 600.000$, bo him ngang gi tr. Trn ng vn chuyn t Qung Ninh sang chu u, tu gp bo ln lm thit hi thn tu phI sa cha ht 5.000$, nc bin trn vo khoang tu, ch hng A hng b ngm nc thit hi 3.000$, ch hng B hng b rI xung bin thit hi 2.000$. Tip tc hnh trnh do cng nhn s sut lm chy hng ca ch hng A thit hi 5.000$. an ton chung thuyn trng quyt nh dng nc dp tt ngn la lm thit hi hng ca ch hng B l 1.500$, chi ph c lin quan ht 500$. Sau tu v bn an ton. Yu cu: Phn b TTC v xc nh s tin bo him bi thng cho ch tu, ch hng, bit rng: - Ch tu tham gia bo hm ti Bo Vit Qung Ninh theo iu kin mi ri ro, bi thng theo mc min thng c khu tr 5%STBH.

- Ch hng A tham gia bo him ti PJICO theo iu kin C, bi thng theo t l. - Ch hng B tham gia bo him ti Bo him H Ni theo iu kin B, bi thng theo mc min thng c khu tr 2% STBH. Bi 5: Hai tu A v B b m va, theo gim nh ch tu A li 60%, ch tu B li 40%. Tu A thit hi phI sa cha 10.000$, thit hi KD 4.000$, mt thu th trn tu A b thng ph I cp cu, ton b chi ph sau khi ra vin ht 1.000$. Tu B h hng phI sa cha ht 12.000$, thit hi KD 5.000$, hng ho b v thit hi 3.000$. Hy xc nh s tin bi thng thc t ca mi cng ty bo him v s tin cn thit hi ca mi ch tu, bit rng: - Ch tu A tham gia bo him vt cht thn tu theo iu kin mi ri ro v BHTNDS ch tu ti Bo Vit HI Phng. - Ch tu B tham gia bo him vt cht thn tu theo iu kin mi ri ro v BHTNDS ch tu ti Bo Vit H Ni, c 2 ch tu u bo him TN mc 3/4. GiI quyt theo TN cho. Bi 6: Hai tu X v Y b m va, theo gim nh ch tu X c li 70%, thn tu X b h hng phI sa cha ht 8.000$, hng ho b v thit hi 4.000$. Ch tu Y c li 30%, thn tu Y b thit hi 5.000$, hng ho thit hi 2.000$, thit hi KD 3.000$, thuyn trng tu Y b thng nng phI I cp cu v nm vin iu tr 1 thng. Ton b chi ph vin ph ht 2.000$, tin lng bnh qun thuyn trng 3.000$/thng. Hy xc nh s tin bi thng thc t mi cng ty bo him v s tin cn thit hi mi ch tu, bit rng:

- Ch tu X tham gia bo him vt cht thn tu theo iu kin mi ri ro v BHTNDS ch tu ti PJICO. - Ch tu Y tham gia bo him vt cht thn tu theo iu kin mi ri ro v BHTNDS ch tu ti Bo Vit HI Phng, c 2 ch tu u bo him TN mc 3/4. GiI quyt theo TN n. Bi 7: Nm 2006, Cng ty Bo Vit k hp ng vi cng ty giy H Ni mt l hng xut khu theo iu kin CIF vi tng STBH: 500.000$, bo him theo iu kin A, ng thi k hp ng vi tu HI Phng v bo him vt cht thn tu theo iu kin mi ri ro, ch bi thng theo ri ro u tin v TNDS hn mc TN l 3/4. L hng c vn chuyn t HI Phng sang c. Trong nm 2006 xy ra 2 v tn tht thuc phm vi bo him nh sau: V 1: Tu HP-01 gp bo ln, lm h hng mt s trang thit b trn tu tr gi 3.000$ v l hng b ngm nc bin thit hi 7.000$, thuyn trng quyt nh cho tu vo cng lnh nn tr n, ton b chi ph ht 1.000$. V 2: Tu HP-02 m va vi tu A ca Nht Bn, theo gim nh, ch tu HP-02 c li 50%, tu hng phI sa cha ht 5.000$, thit hi KD 3.000$. Ch tu A c li 50%, tu hng phi sa cha 4.000$, thit hi KD 6.000$. Hy xc nh l (lI) ca Bo Vit khi nhn bo him cho l hng ny v cho cc i tu HP, bit rng: - T l ph l hng ny l 1%STBH. - Ph bo him thn tu v BHTNDS ca i tu HP np cho BV vi s tin l 10.000$.

- Tu A tham gia bo him vt cht thn tu v BHTNDS ti bo him Nht Bn hn mc TN l 3/4. - Chi ph qun l v thu c phn b cho 2 hot ng ny l20% so vi tng mc ph thu c. - LI do u t ca BV thu c t 2 hot ng l 8.000$. - V tai nn giI quyt theo TN cho. - Ch hng p dng ch bi thng theo ri ro u tin. Bi 8: Nm 2007, i tu A tham gia bo him vt cht thn tu ngang gi tr, iu kin bo him mi ri ro, ch bi thng theo ri ro u tin v BHTN vi hn mc TN 3/4 ti Bo Vit H Ni. Trong nm 2007, i tu A xy ra 2 v tai nn thuc phm vi bo him. V1:Tu A-05 m va vi tu M ca Trung Quc, theo gim nh ch tu c li 50%, thn tu h hng phI sa cha ht 5.000$. Ch tu M c li 50%, thn tu v my mc thit b phi sa cha 10.000$, hng ho trn tu b thit hi 3.000$. V 2: Tu A-07 tr gi 200.000$, bo him ngang gi tr, ch hng cho 2 cng ty X v Y. - Hng ca cng ty X tr gi 50.000$, bo him ngang gi tr. - Hng ca cng ty Y tr gi 100.000$, bo him 80% gi tr. Trn ng vn chuyn tu khng may b mc cn, thn tu h hng phI sa cha ht 2.000$. thot nn, thuyn trng quyt nh thu i cu h ra ng cu, ton b chi ph ht 1.500$. sau tu v bn an ton. Hy xc nh s tin bi thng thc t ca mi cng ty bo him, bit rng:

- V 1 giI quyt theo TN cho. - Ch tu M tham gia bo him vt cht thn tu ngang gi tr, theo iu kin mi ri ro, BHTNDS mc TN 3/4 ti bo him Trung Quc. - Ch hng X v Y u tham gia bo him Bo Vit H Ni theo iu kin B, ch bi thng theo ri ro u tin. bo him xe c gii Bi 1: Xe t X tham gia bo him ton b thn v xe, ton b ng c v BHTNDS ca ch xe c gii i vi ngi th 3 ti cng ty bo him PJICO t ngy 01/3/2007. Gi tr thn v xe bng 55% v ng c bng 10% so vi GTBH. Ngy 20/8/2007 xe b tai nn thuc phm vi bo him, thn v b thit hi ton b, ng c thit hi 30% gi tr. Hy xc nh s tin bi thng thc t ca bo him, bit rng: khi tham gia bo him xe s dng c 2 nm, gi tr bo him bng 600 tr. T l khu hao l 5%/nm. Bi 2: Xe t A tham gia bo him ton b thn v xe v bo him TNDS ch xe c gii i vi ngi th 3 ti Cng ty bo him X t ngy 01/1/2006. Gi tr thn v xe bng 50% so vi GTBH. Ngy 15/8/2006 xe A m va vi xe B, theo kt qu gim nh, ch xe A c li 70% v h hng ton b, gi tr tn thu l 30 tr. Ch xe B c li 30%, xe h hng phi sa cha ht 40 tr, thit hi KD 20 tr. Xe B tham gia bo him ton b vt cht thn xe v BHTNDS ti Cng ty bo him Y t ngy 05/5/2006.

Hy xc nh s tin bi thng thc t ca mi cng ty bo him, bit rng: Khi tham gia bo him, xe A s dng c 3 nm, GTBH l 500 tr. T l khu hao mi xe 5%/nm. Mc TN v: Ti sn: 80 tr/v, Ngi: 50 tr/1ngi/1v Bi 3: C v tai nn xy ra gia 2 xe A v B. Li v thit hi cc bn nh sau: V: triu ng Li: Thit hi: - Thn v ng c - HH - KD 20 5 10 15 30 10 0 20 Xe A 60% Xe B 40%

Yu cu: Xc nh s tin bi thng thc t ca bo him v s tin cn thit hi mi ch xe, bit rng: - C 2 xe u tham gia BHTNDS ca ch xe c gii i vi ngi th 3 ti bo him PJICO. - Mc TN: Ti sn: 80 tr/v, Ngi: 50 tr/1ngi/1v. - Xe A tham gia bo him ton b thn v ti bo him PJICO. Xe B tham gia bo him ton b vt cht thn xe ti bo him PJICO.

Bi 4: C v tai nn xy ra gia 2 xe X v Y. Li v thit hi cc bn nh sau: V: triu ng Li: Thit hi: - Thn v - ng c - HH - Ngi 15 10 0 20 20 5 10 15 Xe X 80% Xe Y 20%

Yu cu: Xc nh s tin bi thng thc t ca bo him v s tin cn thit hi mi ch xe, bit rng: - Xe X tham gia bo him vt cht thn xe, STBH= 80% gi tr xe v BHTNDS ch xe c gii i vi ngi th 3 ti Bo Vit. - Xe Y tham gia bo him ton b vt cht thn xe v BHTNDS ch xe c gii i vi ngi th 3 ti Bo Minh. - Mc TN: Ti sn: 80 tr/v, Ngi: 50 tr/1ngi/1v. bo him con ngi Bi 1: C hp ng bo him t k: - Thi hn BH 5 nm - STBH 50 tr - Tui ngi c BH 55 - Li sut k thut 5%/nm. - Ph hot ng 20%.

Tnh ph ton phn np hng nm. (p dng bng t l t vong Nam gii) Bi 2: Tnh ph thun np 1 ln cho bo him nin kim nhn th tm thi, tr ngay, bt u tr t tui 50, thi hn BH 5 nm, STBH 60 tr, li sut k thut 5%/nm.(p dng bng t l t vong N gii) Bi 3: C hp ng bo him nhn th hn hp. - Thi hn BH 5 nm - STBH 40 tr - Tui ngi c BH 50 - Li sut k thut 5%/nm. Tnh ph thun np 1 ln v d phng ph thun cc nm, cui k. (p dng bng t l t vong Nam gii) Bi 4: C hp ng BHNT trong trng hp cn sng. - Thi hn BH 5 nm - STBH 100 tr tr vo ngy kt thc hp ng - Tui ngi c BH 60 tui - Li sut k thut 5%/nm. (p dng bng t l t vong Nam gii). Tnh ph thun np 1 ln v d phng ph thun cc nm 6,7,8,9 v cui k. Bi 5: Gi s nm 2007, DNA quyt nh trch qu phc li mua BHNT cho cc thnh vin ca DN. Tng s thnh vin ca DN l 30 ngi, bao gm 2 loi tui: tui 25 c 20 ngi, tui 40 c 10 ngi.

- tui 25, tham gia bo him nhn th hn hp, STBH: 100 tr, thi hn 5 nm, ph np 1 ln. - tui 40, tham gia bo him nin kim nhn th tm thi, tr ngay STBH: 50 tr, thi hn chi tr 5 nm, ph np 1 ln. Yu cu: Xc nh s ph m DN phi np hng nm, bit rng: - Li sut k thut 5%/nm, Ph hot ng 25%.(Dng bng Nam gii) bo him nng nghip Bi 1: C ti liu thng k v tnh hnh sn xut la nng trng A trong vng 5 nm nh sau: Ch tiu n Din tch Nng sut Gi la Bit rng: - Ph ph 25% - Nm 2007 c 15 ha b tn tht ton b thuc phm vi bo him, gi tr tn thu mi ha l 800.000 v 30 ha b tn tht 20% sn lng thuc phm vi BH. - STBH bng gi tr sn lng BQ 5 nm trc. Yu cu: - Xc nh ph bo him phi np tnh trn 1 ha nm 2007, bi thng theo t l 70%. - Xc nh s tin bi thng thc t ca bo him v s tin cn thit hi ca nng trng. v Ha T/ha /kg 2002 500 4,00 2.500 2003 520 4,20 2.700 2004 530 4,50 3.500 2005 550 5,50 4.200 2006 600 6,00 4.500

Bi 2: C ti liu thng k v tnh hnh sn xut la nng trng B trong vn g 5 nm nh sau: ch tiu Din tch Nng sut Gi la Bit rng: n v Ha T/ha /kg 2001 1.100 4,50 2.400 2002 1.200 4,70 2.500 2003 1.400 5,00 3.200 2004 1.500 5,50 3.500 2005 1.800 6,50 4.200

- Ph ph 30% - Nm 2006 c 30 ha b tn tht ton b, trong c 25 ha thuc phm vi bo him, gi tr tn thu mi ha l 400.000 v 50 ha b tn tht 15% sn lng thuc phm vi bo him. - STBH bng gi tr sn lng BQ 5 nm trc. Yu cu: - Xc nh ph bo him phi np tnh trn 1 ha nm 2006, bi thng theo mc min thng khng khu tr 10%. Xc nh s tin bi thng thc t ca bo him v s tin cn thit hi ca nng trng. Bi 3: C ti liu thng k v tnh hnh sn xut la nng trng C trong vng 5 nm nh sau: Ch tiu n Din tch Nng v Ha T/ha 2001 700 5,50 2.500 2002 750 6,00 2.800 2003 780 4,50 3.300 2004 600 4,00 3.500 2005 800 5,50 4.000

sut Gi la /kg Bit rng:

- Ph ph 25% - Nm 2006 c 40 ha b tn tht 50% gi tr, trong c 35 ha thuc phm vi bo him. - Chi ph qun l v thu c phn b l 20% so vi tng mc ph thu c. - Li u t mang li l 50.000.000. - STBH bng gi tr sn lng BQ 5 nm trc. Yu cu: - Xc nh ph bo him phi np tnh trn 1 ha nm 2006, bi thng theo mc min thng c khu tr 10%. - Gi thit nm 2006 nng trng tham gia bo him 500 ha la theo mc ph tnh trn. Hy xc nh kt qu kinh doanh (l hoc li) ca Cng ty BH.

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