BO GIAO DUC VA AO TAO TRNG AI HOC KINH TE TP.

HO CH MINH BO MON BAO HIEM

BAO HIEM AI CNG

TS. NGUYEN TAN HOANG
THANH PHO HO CH MINH 2013

Phan 1: Quan ly rui ro

Cac thuat ng dan nhap

Cac phng thc x ly rui ro

I- CAC THUAT NG DAN NHAP

Ton

that Rui ro Nguy c Hiem hoa

1- Ton that
a. nh ngha
Phai co thiet hai Bat ng ngoai y muon cua chu s hu.

b. Phan loai

Can c vao oi tng b ton that: + Ton that tai san + Ton that con ngi + Ton that do phat sinh TNDS

b. Phan loai

Can c vao kha nang lng hoa:

+Ton that co the xac nh c

+Ton that khong the xac nh c Can c vao hnh thai bieu hien * Ton that hu hnh * Ton that vo hnh

c.Y ngha

oi vi i song kinh te xa hoi oi vi lnh vc bao hiem

2- Rui ro
a. Khai niem b. anh gia rui ro c. Phan loai rui ro

a. Khai niem
Rui

ro la s khong chac chan ve ton that. Rui ro la s bat trac co the o lng c. Rui ro la kha nang xay ra ton that. Rui ro la s khong the oan trc mot khuynh hng dan en mot ket qua thc khac vi khac qua d oan.
Rui

ro la kha nang xay ra mot so s co khong mong i.

b. anh gia rui ro

Nguon goc va nguyen nhan rui ro Nguon goc rui ro * Ve t nhien * Do s phat trien cua lc lng san xuat * Do mau thuan trong xa hoi Nguyen nhan rui ro * Nguyen nhan khach quan * Nguyen nhan chu quan

b. anh gia rui ro

Mc

o nghiem trong cua rui ro Hau qua cua rui ro la ton that, la ket qua khong mong i

Bang so sanh
Tan Suat
Mc o tram trong

Cao
- Phong tranh - Ngan nga, han che - Chuyen nhng - T ganh chu - Ngan nga, han che - Chuyen nhng - T ganh chu

Thap
- Ngan nga - T ganh chu

Cao

Thap

- Ngan nga - T ganh chu

c. Phan loai rui ro

Can c vao kha nang o lng: Rui ro co the xac nh c Rui ro khong the xac nh c
Can c vao hnh thai bieu hien: Rui ro ong Rui ro tnh

3- Nguy c

a) Khai niem b) Phan loai c) Y ngha

4- Hiem hoa

II- Cac phng thc x ly rui ro

1- Nhan thc ve rui ro 2- Cac phng thc x ly rui ro c ban

1- Nhan thc ve rui ro

Moi

ngi co mot nhan thc khac nhau ve rui ro Nhan thc ve rui ro cua tng ngi thng khac vi rui ro thc te

Cac nhan to tac ong en nhan thc rui ro cua moi ngi
Tnh

quen thuoc Tnh kiem soat Anh hng cua cac phng tien thong tin ai chung Hoi chng No se khong xay ra vi toi

2- Cac phng thc x ly rui ro c ban

a) b) c) d) e) Tranh ne rui ro Chap nhan ganh chu rui ro Giam thieu nguy c, giam thieu ton that Hoan chuyen rui ro Bao hiem

a- Tranh ne rui ro
La

chon mot loi song, mot cach song, mot nghe nghiep phu hp vi nhan thc rui ro nham han che toi a kha nang tiep xuc vi rui ro. Khong phai rui ro nao cung tranh ne c

b- Chap nhan rui ro

e

tranh ne mot rui ro khac nguy hiem hn. Khong nhan thc c rui ro. Ton that khong ang ke. Do au c. Do thoi quen.

c- Giam thieu nguy c ton that

Khai

niem ve nguy c. Phan loai nguy c : Nguy c ao c tinh than

Nguy

c vat chat. Nguy c phap ly

Giam thieu nguy c

Giam thieu ton that

d- Hoan chuyen rui ro

Ban

non san pham. Nghch hanh. Cho thau lai.

e- Mua bao hiem

La hoan chuyen rui ro t ngi c bao hiem sang cong ty bao hiem. Nhng c cu the trong hp ong bao hiem.

Trong o
Bao hiem la phng thc hoan chuyen rui ro u viet hn ca v: Phan tan ton that Giam thieu rui ro toan bo nen kinh te

Phan 2: Nhng van e chung ve bao hiem

1. 2. 3. 4. 5. 6. 7.

nh ngha ve bao hiem S ra i va phat trien cua bao hiem S can thiet khach quan cua bao hiem oi vi i song kinh te xa hoi Vai tro tac dung cua bao hiem Phan loai bao hiem thng mai Cac nguyen tac hoat ong cua bao hiem- rui ro co the c bao hiem To chc bao hiem

1- nh ngha ve bao hiem

Mot nh ngha ay u cua bao hiem phai bao gom cac yeu to:

Hnh thanh mot quy tien te (Quy bao hiem). Co s hoan chuyen rui ro. Co s ket hp so ong cac n v oi tng rieng le, oc
lap co rui ro nh nhau, tao thanh mot nhom tng tac

Cac nh ngha ve bao hiem

nh ngha 1:
Bao hiem la s ong gop cua so ong vao s bat hanh cua so t. Bao hiem la s cong ong hoa cac rui ro

Hay:

Nhan xet:
nh

ngha nay la da tren nguyen tac hoat ong cua bao hiem, quy luat so ong. Cong ong hoa rui ro phai co rui ro thuan nhat. Cha phan biet c bao hiem vi cac hoat ong khac (Cu tr)

S khac nhau gia Bao hiem va cu tr

Hnh thc Khac nhau

Cu tr

Bao hiem

Tnh chat phap ly

Quan he ngoai hp ong

Quan he tren hp ong

Thi iem xac lap moi quan he So tien chi tra

Pham vi hoat ong

Sau khi rui ro xay ra Long t thien

Thien tai, chien tranh

Trc khi rui ro xay ra Thoa thuan

Hau nh trong moi lnh vc

nh ngha ve bao hiem

Bao hiem la mot nghiep vu qua o mot ngi (ngi c bao hiem) cam oan tra mot khoan tien (o la ph bao hiem) cho mnh hoac cho mot ngi th 3. Trong trng hp rui ro xay ra (s co bat ng va gay thiet hai) se nhan c mot khoan boi thng c tra bi mot ben khac (o la nha bao hiem). Nha bao hiem chu trach nhiem oi vi toan bo cac rui ro va boi thng thiet hai da theo cac phng phap cua thong ke.

nh ngha 2:

Nhan xet

nh ngha nay la da tren moi quan he phap ly cua hoat ong bao hiem, ngha la bang hp ong bao hiem, rui ro a c chuyen t NBH sang cho NBH. Ch noi en ph thuan ma khong noi en chi ph quan ly (nhan manh phan boi thng) Hp vi bao hiem thng mai v cac t cam oan, boi thng. Cac qui luat thong ke cho phep NBH tnh toan c cac chi ph cua mnh. ieu nay phan biet c bao hiem vi ca cc v bao hiem da tren so ong vi so ph c tnh toan tren c s cua thong ke.

2- S ra i va phat trien cua bao hiem

-Tiep en bao hiem nhan tho ra i nhng b cam oan. -Tiep theo la bao hiem hoa hoan ra i. -Bao hiem nhan tho phat trien tr lai sau khi nha toan hoc ngi Phap Pascal va Bernouli phat hien va chng minh qui luat so ong. -Cac loai hnh bao hiem khac nh: tai nan, xe c gii, hang khong, bao hiem trach nhiem ch phat trien t the ky 19 ve sau.

Tren the gii: -au tien bao hiem hang hai ra i

 Viet Nam
Lch s ra i va phat trien bao hiem Viet Nam co the khai quat qua 3 giai oan chnh: -Giai oan trc nam 1975. -Giai oan t sau 30/4/1975 en trc 18/12/1993: nha nc tien hanh quoc hu hoa cac cong ty bao hiem cu lap nen cong ty bao hiem va tai bao hiem Viet Nam (BAVINA) tiep tuc thc hien trach nhiem cua cac cong ty cu vi NBH muon tiep tuc HBH. Ngay 17/10/89 chuyen cong ty BHVN thanh Tong Cty BHVN goi tat la Bao Viet -Giai oan t 18/12/1993 en nay.

Danh sach cac cong ty bao hiem co mat tren th trng

STT
1 2 3 4 5

Ten cong ty Bao Viet Vinare Bao Minh Aon Inchibrotd Bao Long

Hnh thc s hu

Lnh lc hoat ong

Nhan tho va phi nhan tho (*) Tai bao hiem Phi nhan tho Moi gii BH Phi nhan tho

Co phan
Nha nc Co phan 100% Von nc ngoai Co phan

Danh sach cac cong ty bao hiem co mat tren th trng

STT 6 7 8 9 10

Ten cong ty PJICO PVI VIA UIC PTI

Hnh thc s hu Co phan Co phan Lien doanh Lien doanh Co phan

Lnh lc hoat ong Phi nhan tho Phi nhan tho Phi nhan tho Phi nhan tho Phi nhan tho

11

Viet- Uc (BIDV-QBE) Lien doanh

Phi nhan tho

Danh sach cac cong ty bao hiem co mat tren th trng

STT
12 13 14 15

Ten cong ty
Allizanz Manulife Bao Minh-CMG Prudential

Hnh thc s hu
100% Von Nc ngoai 100% Von Nc ngoai Lien doanh 100% Von nc ngoai

Lnh lc hoat ong

Phi nhan tho Nhan tho Nhan tho Nhan tho

Danh sach cac cong ty bao hiem co mat tren th trng

STT
16 17

Ten cong ty
AIA Groupama

Hnh thc s hu
100% Von nc ngoai 100% Von nc ngoai

Lnh lc hoat ong

Nhan tho Phi nhan tho

18
19

Viet Quoc
Samsung_Vina

Co phan
Lien doanh

Moi Gii BH
Phi nhan tho

20

IAI

Lien doanh

Phi nhan tho

Danh sach cac cong ty bao hiem co mat tren th trng

STT

Ten cong ty

Hnh thc s hu

Lnh lc hoat ong

21
22 23 24

Grassavoye
Vien ong A ong ai Viet

100% Von nc Ngoai

Co phan Co phan Co phan

Moi gii BH
Phi nhan tho Moi gii BH Moi Gii BH

Ngy 19/12/2005 B Ti chnh chnh thc trao giy php thnh lp v hot ng kinh doanh bo him phi nhn th ti VN cho Tp on AIG (M). AIG l mt trong nhng tp on hng u th gii v kinh doanh bo him v cc dch v ti chnh vi tng ti sn gn 800 t USD. Trong , ngun vn ch s hu l 80,61 t USD, vn iu l ca AIG ti VN l 10 triu USD. y l tp on bo him nc ngoi u tin ti Vit Nam c cp hai giy php nhn th (AIA cp php vo 23/12/1999) v phi nhn th (AIG - cp php vo 14/12/2005.

3- S can thiet khach quan cua bao hiem oi vi i song kinh te xa hoi

Bao hiem
Do ton tai cac rui ro

Ton that

Cac phng thc x ly rui ro

Cac phng thc khac

Trong o bao hiem la phng thc x ly rui ro u viet nhat, v:

Bao

ro S en bu la chac chan va co hieu qua tc khac So tien en bu la thoa ang

hiem la phng thc hoan chuyen rui

4- Vai tro tac dung cua bao hiem

a- vai tro Phng dien kinh te xa hoi: Bao hiem la cong cu an toan va d phong Phng dien tai chnh: Bao hiem la nguon tai chnh quan trong bu ap cho ton that

b- TAC DUNG CUA BAO HIEM

Tap

trung von Boi thng Ngan nga han che ton that Tang thu va giam chi cho ngan sach

5- Phan loai bao hiem thng mai

Bao hiem thng mai c chia lam cac loai sau:

Can c oi tng bao hiem:

Bao hiem tai san Bao hiem trach nhiem dan s Bao hiem con ngi

Phan loai bao hiem thng mai

Bao hiem phi nhan tho bao gom: Bao hiem tai san Bao hiem trach nhiem dan s Bao hiem con ngi Ngan han Bao hiem nhan tho bao gom: Bao hiem con ngi Dai han

Phan loai bao hiem thng mai

Can c ky thuat bao hiem:

Bao Bao

hiem da tren ky thuat phan bo hiem da tren ky thuat don tch

Phan loai bao hiem thng mai

Can c tnh chat so tien boi thng Bao hiem co STBT tra theo nguyen tac boi thng Bao hiem co STBT tra theo nguyen tac khoan

Phan loai bao hiem thng mai

Can c vao phng thc quan ly:

Bao hiem t nguyen Bao hiem bat buoc

Phan loai bao hiem thng mai

Can c vao Ngh nh 100CP ngay

Co 13 loai hnh bao hiem

18/12/1993:

1. 2. 3. 4.

Bao hiem nhan tho. BHYT t nguyen va BH tai nan con ngi BH tai san va BH thiet hai. BH van chuyen ng bo, ng bien, ng song, ng sat va ng hang khong.

13 loai hnh bao hiem

5. 6. 7. 8. 9. 10. 11. 12. 13.

BH than tau va TNDS chu tau. BH trach nhien chung. BH hang khong. BH xe c gii. BH chay. BH tn dung va rui ro tai chnh. BH thiet hai kinh doanh. BH nong nghiep. Cac nghiep vu bao hiem khac do BTC qui nh.

6- Cac nguyen tac hoat ong cua bao hiem

Nguyen

tac so ong Nguyen tac trung thc tuyet oi

Cac nguyen tac hoat ong cua bao hiem

Noi dung:

Nguyen tac so ong

V du:

Tung ong xu 10 lan, lap lai 5 lan, ket qua c ghi nhan nh sau: Lan 1 Lan 2 Lan 3 Lan 4 Lan 5 4 6 40% 1 9 10% 3 7 30% 7 3 70% 8 2 80%

Nga Sap
%xuat hien mat nga

V du:

Tung ong xu 100 lan, lap lai 5 lan, ket qua c ghi nhan nh sau: Lan 1 Lan 2 57 43 57% Lan 3 50 50 50% Lan 4 56 44 56% Lan 5 42 58 42%

Nga Sap
%xuat hien mat nga

45 55 45%

V du:

Tung ong xu 1000 lan, lap lai 5 lan, ket qua c ghi nhan nh sau:

Lan 1
Nga Sap
%xuat hien mat nga

Lan 2
482 518 48%

Lan 3
518 482 52%

Lan 4
491 509 49%

Lan 5
492 508 49%

512 488 51%

Cac nguyen tac hoat ong cua bao hiem

Nguyen tac so ong Noi dung: Bao hiem hoat ong da tren nguyen tac so ong He qua cua Quy luat so ong

Nguyen tac phan tan:

Nguyen tac phan chia
* ong bao hiem * Tai bao hiem

* Phan tan ve khong gian * Phan tan ve thi gian

S o ong bao hiem

CONG TY ONG BAO HIEM 40% CONG TY ONG BAO HIEM 30% CONG TY ONG BAO HIEM 20% CONG TY ONG BAO HIEM 10%

NGI C BAO HIEM

S o tai bao hiem

CONG TY TAI BAO HIEM 30%
CONG TY TAI BAO HIEM 20% CONG TY TAI BAO HIEM 10%

CONG TY BAO HIEM GOC 40% NGI C BAO HIEM

Cac nguyen tac hoat ong cua bao hiem

Nguyen tac trung thc tuyet oi

Rui ro co the c bao hiem

Tap

hp c so ong ngi co rui ro gan giong nhau: Tap hp so ong ngi Rui ro gan giong nhau

Ve ky thuat:

Rui ro co the c bao hiem

Rui

Bien co chac chan: Xac suat P(A) = 1 Bien co khong the xay ra: Xac suat P(A) = 0 Bien co ngau nhien (bien co khong chac chan) Xac suat 0 < P(A) < 1

ro muon c bao hiem phai la bien co ngau nhien:

Bao hiem khong the am bao cho bien co chac chan, cung nh, khong the am bao cho bien co khong the xay ra

Rui ro co the c bao hiem

Ve tai chnh: Bien co phai gay ra hau qua ton that tai chnh ln va ph bao hiem phai kinh te Bien co phai khong co kha nang gay ton that hang loat

7- To chc bao hiem

Doanh nghiep bao hiem
Hp ong bao hiem

Ben c bao hiem

Hoat ong v li nhuan Hoat ong khong v li nhuan

Cac cong ty kinh doanh bao hiem Cac to chc bao hiem tng ho

Cac cong ty kinh doanh bao hiem

Theo

hnh thc s hu:

Cong

ty bao hiem nha nc Cong ty co phan bao hiem Cong ty lien doanh Cong ty 100% von nc ngoai

Cac cong ty kinh doanh bao hiem

Theo

lnh vc hoat ong:

Cong

ty bao hiem goc Cong ty tai bao hiem

Ngoai ra con co cac he thong trung gian bao hiem nh: ai ly bao hiem, cong ty moi gii bao hiem

Cac to chc bao hiem tng ho

Nguyen tac Thanh vien to chc bao hiem tng ho va la ngi bao hiem va la ngi c bao hiem Muc ch hoat ong Khong v li nhuan da tren nguyen tac can bang thu chi

Phan 3: Hp ong bao hiem

Khai

quat ve hp ong bao hiem Noi dung cua hp ong bao hiem

Khai quat ve hp ong bao hiem

1. 2. 3.

nh ngha Tnh chat Hieu lc cua hp ong bao hiem

1- nh ngha

Hp ong bao hiem la s thoa thuan gia ben mua bao hiem (goi la ngi c bao hiem) vi ben bao hiem (doanh nghiep bao hiem) theo o ben mua bao hiem phai ong ph bao hiem, ben bao hiem phai tra tien bao hiem cho ngi thu hng hoac boi thng cho ngi c bao hiem khi xay ra s kien bao hiem.

2- Tnh chat:
a) b) c) d) e) f) g)

Hp ong bao hiem mang tnh tng thuan. Hp ong bao hiem la hp ong song phng. Hp ong bao hiem co tnh chat may rui. Hp ong bao hiem co tnh chat tin tng tuyet oi. Co tnh chat phai tra tien. Co tnh chat gia nhap. Tnh dan s - thng mai hon hp.

Hieu lc cua hp ong bao hiem

Cung nh bat ky hp ong dan s va kinh te khac, hp ong bao hiem e co gia tr th phai am bao cac quy nh cua phap luat nh sau: c giao ket bi nhng ngi co nang lc hanh vi dan s

Hieu lc cua hp ong bao hiem

Muc

ch, noi dung khong trai phap luat va ao c xa hoi Hai ben giao ket hp ong phai hoan toan t nguyen Hnh thc hp ong phai phu hp vi quy nh cua phap luat.

Noi dung cua hp ong bao hiem

Gia tr bao hiem- So tien bao hiem Chu the cua hp ong bao hiem Pham vi bao hiem Ph bao hiem Boi thng hoac chi tra bi nha bao hiem Cac che o am bao bao hiem

Gia tr bao hiem- So tien bao hiem

Gia tr bao hiem: So tien bao hiem:

STBH STBH STBH STBH < = > = GTBH GTBH GTBH n.GTBH BH di gia tr BH ung gia tr BH tren gia tr BH trung

Bao hiem trung

La trng hp cung mot tai san tham gia bao hiem nhieu cong ty bao hiem khac nhau vi cung mot loai rui ro va tong so tien bao hiem cua cac hp ong nay ln hn gap nhieu lan gia tr bao hiem.
STBH cua moi ben STBT cua moi ben = ------------------------------ x Ton that thc te Tong STBH

Chu the cua hp ong bao hiem

Ben bao hiem Ben c bao hiem

Ngi mua bao hiem Ngi c bao hiem Ngi thu hng

Pham vi bao hiem

Rui

ro loai tr Rui ro c bao hiem

Ph bao hiem

Boi thng hoac chi tra bi nha bao hiem

Cac nhan to anh hng en so tien boi thng (hoac Tien bao hiem c tra)

Pham vi bao hiem thoa thuan; So tien bao hiem thoa thuan; Ton that thc te;

Cac che o am bao bao hiem

Cac che o am bao bao hiem

Co

3 che o: Che o bao am bao hiem theo ty le Che o bao am bao hiem theo rui ro ban au Che o bao am bao hiem theo nguyen tac trach nhiem vt gii han (che o mien thng)