Cu 1: Bo him l mt trong nhng pp chuyn giao RR u vit nht:

+) Ri ro l kh nng xy ra bin c bt thng c hu qu thit hi hoc mang li KQ

khng mong i do chng ta khng th lng trc c hu qu v thi im xy ra.
Vy nn trong x hi bt c ai cng c th gp ri ro bt c lc no. Do , nhu cu c
m bo s gip v h tr khi phc hu qu khi ri ro xy ra l lun lun tn ti .
M bo him l phng php chuyn giao RR da trn nguyn tc phn tn v tng h,
s ng b s t. Tc l khi RR xy ra vi 1 s t thnh vin trong cng ng th hu qu
TC c chia nh v chuyn giao cho s ln thnh vin trong cng ng cng gnh chu.
Do , d hu qu ca RR tuy ln i vs 1 ngi nhng khi c nhiu ngi cng gnh
chu th s gim bt gnh nng v s nhanh chng c gii quyt. Bn cnh , trch
nhim bo him ca cng ty BH i vs NBH c m bo bng hp ng bo him c
tnh php l cao theo ngi tham gia bo him phi ng mt khon ph gi l ph bo
him v thng thng khon ph bo him ny thng rt nh so vi hu qu m ri ro
xy ra v ng thi nh bo him s cam kt tr tin bo him hoc bi thng khi s
kin bo him xy ra do vic m bo quyn li c bo him l chc chn. T
nhng l do trn m bo him c coi l mt trong nhng PP chuyn giao RR u vit
nht..
N trnh ri ro

Phng nga RR

Chp nhn t gnh Bo him

chu
Ging nhau: u nhm mc ch gim thiu, khi phc hu qu TC ca ri ro hoc n
trnh ri ro.
Khc nhau:
Bng cch ny hay Bao gm tt c cc C nhn, t chc t Hu qu RR c
cch khc trnh ko bin php nhm s dng ngun lc chuyn giao cho c
tham d vo h , ngn nga, hn ch TC ca mnh nhn t chc khc
lnh vc c RR, s xut hin ca RR khc phc hu qu cng gnh chu.
trnh ni c kh gim nh mc ca RR gy ra
H da trn nguyn
nng xy ra RR.
hu qu.
Khng th chng tc phn tn, tng
Mang li hiu Mang tnh tch
c nhng h s ng b s t.
qu, cn thit
cc, ch ng
RR c tn tht Hu qu c
trong THRR bt
ca con ngi
ln.
chia nh v phn
kh khng or qu
nhng hn c v
tn cho s ng
ln, tuy nhin
kh nng p
ngi cng gnh
mang tnh th
dng v cn ph
chu -> chi ph
ng tng i
thuc vo kh
thp v hiu qu
khng th qu
nng kinh t v
cao.
lm dng.
trnh con
ngi.

Cu 2: Bo him thng mi bt buc khng phi l BH do DNBH bt buc ngi tham

gia phi mua BH cho h. Bi s bt buc y khng ch s bt buc mua bo him
u m ch s bt buc ca ch th mua bo him nhng i tng m hot ng trong
nhng ngnh ngh nguy him c th dn n tn tht con ngi v ti chnh trm trng
gn lin vi trch nhim dn s ngh nghip.
*) Vai tr ca BHTM bt buc: bo v li ch ca nn nhn trong cc v tn tht v bo
v li ch ca ton b nn kinh t- x hi.
*) Cc loi BHTM bt buc:- BH TNDS ca ch xe c gii.- BH TNDS ca ngi vn
chuyn hang khng i vi khch hang.- BH TNNN i vi hot ng t vn php lutBHTN NN ca doanh nghip mi gii bo him.- BH chy, n.
Cu 3: Nguyn tc khon: S tin tr c nh mc trc trong HBH, khng ph
thuc vo chi ph thc t m ph thuc vo s tin bo him k kt cng vi nhng
quy nh tha thun trong HBH. Khon tin BH tr theo nguyn tc khon c th
thp hn, hoc cao hn, hoc cng c th ngang bng thit hi ca NBH v nhn
c s tin khon trc ny, ngi tham gia bo him phi tr mt khon ph bo him
tng ng.
*) So snh BHCN nhn th v BHCN phi nhn th.
Ging nhau: C i tng bo him u lin quan n con ngi. c bi thng theo
HBH, u mang tnh cng ng v theo nguyn tc s ng b s t.
-

Ph bo him c th c ng 1 ln hoc nhiu ln trong sut qu trnh, thi gian

quy nh.

Bo him CNNT
Tui th ca ngi c bo him

Bo him CNPNT
i tng
Tnh mng, tnh trng sk,kh nng l
ca con ngi.
Ri ro
2 s kin >< sng v cht
Tai nn, au m, bnh tt, mt kh
nng l
Mc ch
Tnh a mc ch ( chuyn giao khng nhm mc ch khi phc li
RR, khc phc hqua TC, tit kim, gi tr i tng BH khi gp ri ro
u t, sinh li, mc ch khc)
Tr tin BH Vic tr tin bo him trong 1 s Theo nguyn tc Khon. Khi xy ra
TH l chc chn trong khi vic RR mi chi tr.
np ph BH li b chi phi bi yu
t bp bnh v lng.
Thi
hn Di
Thng ngn khong 1 nm hoc
BH
ngn hn.
Ph ng
Cao hn
Thp hn
c
im c tham gia BH trng, ko p c tham gia bo him trng.
khc
dng th quyn.
Thng ko p dng ng tc th quyn.

Cu 4: So snh bo him nhn th v bo him phi nhn th.

1. Cng thc hin trn nguyn tc l tham gia ng gp bo him th mi c
hng quyn li, khng ng gp th khng c i hi quyn li.
2. Hot ng nhm b p ti chnh cho i tng tham gia bo him khi h gp ri
ro trong khun kh ca bo him
3.

Phng thc mang tnh cng ng: ly s ng b s t.

4. Cng vai tr thc y nn kinh t pht trin, pht trin x hi, huy ng vn u
t.

i tng
Ri ro

BH nhn th
Con ngi
Sng v cht

Thi gian bo him

Di

Chi tr bo him

Vic tr tin bo him trong

1 s TH l chc chn trong
khi vic np ph BH li
b chi phi bi yu t bp
bnh v lng. Sauk hi ht
hn hp ng ng tham gia
bo him c nhn li phn
ng gp v phn li.
Thng cao, c ng 1 Thng thp hn.
ln hoc nhiu ln trong
sut qu trnh, thi gian quy
nh.
Khng c th quyn
c p dng th quyn
trong mt s trng hp
Tnh a mc ch: chuyn Nhm khi phc hu qu
giao RR, khc phc hu TC sau ri ro , khng nhm
qu, tit kim
cho ngi mua kim li,
trc li

Ph bo him

H qu
Mc ch

BH phi nhn th
Con ngi, ti sn
m au, bnh tt mt kh
nng lao ng, hng hc ti
sn.
Tg ngn thng l 1 nm
hoc ngn hn.
Ch bi thng v chi tr
tin BH khi c ri ro c
bo him xy ra trong thi
gian hp ng cn hiu lc.
Sau khi ht hp ng ng
tham gia bo him ko c
nhn li khon no.

Cu 5: So snh i l bo him v mi gii bo him

Ging nhau: l cc t chc, c nhn tham gia trong lnh vc hot ng bo him.
Khc nhau:
i l bo him
Cc tiu
ch
so
snh
a
v L ngi i din cho DNBH
php l
Trch
L ngi c DNBH y quyn do
nhim
cng ty bo him phi chu trch
nhim cui cng v hnh vi ca i
l BH vi KH.
Hoa hng Hng hoa hng i l do DNBH
thc
tr trn % ph BH ca KH.
hng
Cc cng
1. Gii thiu v cho bn sn
vic
phm bo him
2. nh gi RR
3. Thu ph, gim nh bi
thng
4. Thu xp, giao kt HBH

Mi gii bo him

L ngi i din cho khch

hng.
L t chc kinh doanh c lp,
t chu trch nhim v HKD
trc php lut, phi mua Bo
him ngh nghip.
Hng hoa hng mi gii t
DNBH v khch hng chi tr
theo s tha thun ca 2 bn.
1. Cung cp thng tin, t
vn cho khch hng
2. m phn, thu xp hp
ng
3. C th c y quyn
thu ph

Ngi mua bo him nn la chn mi gii BH v: Mi gii BH h dnh ton thi gian
cho cng vic do h c th nm bt c nhu cu v xu hng ca th trng nn s t
vn v la chn cho khch hang sn phm v dch v tt nht. Gip cho ngi tham gia
bo him tip cn vi ton b th trng BH.
Vic mua BH ca ngi mua bo him s c mi gii BH quan tm, chm sc trong
sut thi gian hp ng c hiu lc do nu ri ro xy ra th ngi tham gia bo him
s c gii quyt mt cch nhanh nht v cc dch v h tr khiu ni i bi thng bi
c tip cn vi th tc v phng thc ng n .

Cu 6: So snh cc loi hnh bo him sau: BHTS, BHTNDS, BHCN.

Phn bit bo him kinh doanh v bo him x hi.
Ging nhau:
5. Cng thc hin trn nguyn tc l tham gia ng gp bo him th mi c
hng quyn li, khng ng gp th khng c i hi quyn li.
6. Hot ng nhm b p ti chnh cho i tng tham gia bo him khi h gp ri
ro trong khun kh ca bo him
7.
8.

Phng thc mang tnh cng ng: ly s ng b s t.

Cng vai tr thc y nn kinh t pht trin, pht trin x hi, huy ng vn u

t.
Khc nhau:
i tng bo him
i tng tham gia
Ngun hnh thnh

Phm vi bo him
Mc ch
Ph bo him

Tnh cht v mc
C quan qun l
Hnh thc tham gia

BHKD
TS, TNDS,CN

BHXH
Thu nhp ca cc c nhn
(BHNT, BHPNT)
Tt c
Ngi lao ng v ch lao
ng
T s ng gp ph BH Ngi lao ng, ngi s
ca nhng ngi tham dng lao ng v mt phn
gia to thnh qu nhn ca Nh nc.
ri
Rng ln: xuyn QG
Trong tng QG
Li nhun
Cn bng thu chi
Xc nh s tuyt i S tng i, cn c vo s
trn c s xc xut ri lng ca ngi lao ng
ro ca TBH,PVBH, hay qu lng
GTBH, STBH
Mang tnh kinh t
C tnh x hi ha cao
B ti chnh
B lao ng thng binh
x hi
T nguyn
Bt buc

So snh BHTS, BHTNDS, BHCN:

Ging nhau: Cng thc hin trn nguyn tc l tham gia ng gp bo him th mi c
hng quyn li, khng ng gp th khng c i hi quyn li.
Hot ng nhm b p ti chnh cho i tng tham gia bo him khi h gp ri ro
trong khun kh ca bo him
Phng thc mang tnh cng ng: ly s ng b s t.
Cng vai tr thc y nn kinh t pht trin, pht trin x hi, huy ng vn u t.
-

Cng thuc BHKD (CNPNT)

Khc nhau:
BHTS
BHCN
BHTNDS
i tng
Cc TS v cc li ch Tnh mng, tnh TNBT ca NBH
lin quan
trng sk, kh nng
lao ng
Nguyn tc bi STBH<= GTr thit hi
Khng tn ti GTBH STBH<= GTr thit
thng
hi
Theo 2 phng thc:
BH c gii hn v
BH khng gii hn
Nguyn tc p Nguyn tc bi thng
Nguyn tc khon
Nguyn tc bi
dng
Nguyn tc th quyn
( tr 1 s TH nguyn thng
tc bi thng)
Nguyn tc th
Khng p dng quyn
nguyn
tc
th
quyn
Mc ch
Nhm khi phc hu qu Tnh a mc ch: Nhm khi phc hu
TC sau ri ro , khng chuyn giao RR, qu TC sau ri ro ,
nhm cho ngi mua khc phc hu qu, khng nhm cho
kim li, trc li
tit kim
ngi mua kim li,
trc li
Tr tin bo Ch khi c s kin bo Khi c s kin bo Ch khi c s kin
him
him xy ra.Khi kt thc him xy ra hoc khi bo him xy ra.Khi
hp ng ko nhn c kt thc h m ko c kt thc hp ng
khon tin no.
skbh xy ra c tr li ko nhn c khon
mt
khon
tin tin no.
tng ng ph ng
v km li.
Nguyn tc th quyn : ngi bo him sau khi bi thng cho NBH, c quyn
thay mt NBH i ngi th ba trch nhim bi thng cho mnh.(BHTNDS,
BHTS)
GHTN

Theo gi tr ti sn

Cu 7. Ti sao ni BHCN trong BHTM l 1 nghip v h tr trong BHXH, BHYT?

C th thy BHCN trong BHTM l mt nghip v hnh thc b sung hu hiu nht cho
BHXH, BHYT nhm m bo n nh cuc sng cho mi ngi trc nhng ri ro. Bi
v BHCN trong BHTM c i tng tham gia kh rng ln, phm vi xuyn quc gia c
th thay th cho BHXH trong mt s trng hp BHXH cha ti thc hin hoc c nhng
khng p ng cc thit hi th phn b chnh lch s do BHCN chi tr.
Cu 8. Bo him c phi ngn hng khng? Ti sao ni Bo him c vai tr l
TGTC ca nn kinh t, gim gnh nng cho NSNN, c bit BHTM cn lm tng
NSNN? Cho VD minh ha.
Bo him khng phi l ngn hng. Bi Bo him l mt ngnh dch v ti chnh
c bit, phng php qun l ri ro, chuyn giao ri ro qua HBH. Nu nh Ngn hng
mc ch chnh l li nhun th Bo Him va mc ch li nhun, va mc ch phi li
nhun. Mt khc c th ca bo him l lun nghin cu ri ro, tm bin php phng
nga hn ch tn tht.
Bo him c vai tr l TGTC ca nn kinh t, gim gnh nng cho NSNN, c bit
BHTM cn lm tng NSNN. Bi v Bo him l mt trong 6 khu, mt trong cc trung
gian ti chnh: NSNN, TCDN, ti chnh cng, tn dng, chi tiu h gia nh, bo him.
Bo him cung cp cc dch v ti chnh c bit, nhm m bo v mt ti chnh trc
nhng hu qu bt thng ca ri ro. Vai tr TGTC nhm thu ht, tp trung, chuyn ha
u t cung cp vn p ng nhu cu vn trung v di hn.
Bo him thng mi lm tng NSNN v loi bo him ny ngun qu hnh thnh
bng tin ca nhng ngi c cng kh nng gp mt loi ri ro. T dng chi tr
cho nhng ngi tham gia khi gp bin c. Bo him thng mi ch nhng hot ng m
cc doanh nghip bo him chp nhn ri ro trn c s ngi c bo him ng
mt khon tin gi l ph bo him doanh nghip bo him bi thng hay tr tin bo
him khi xy ra cc ri ro tha thun trc trn hp ng. Nguyn tc l s ng b s
t, v nguyn tc trung thc. Do Bo him l mt trung gian ti chnh nn gp phn thu
ht vn tng NSNN.

Cu 9 Trnh by hiu bit ca anh ch v PBH, STBH,GTBH. Mi quan h ca

STBH v GTBH. Cho VD minh ha.
Ph bo him l s tin m bn mua bo him phi b ra nhn li s bo m

v mt ti chnh ca bn bo him khi c ri ro xy ra.

1.
him

Cc yu t cu thnh ph bo him:
Ph thun: Khon thu tng ng d tnh v trch nhim bi thng tr tin ph bo

2. Ph ph: Chi ph k kt hp ng v chi ph qun l

3. Thu VAT nu c.
-

Ph bo him P = STBH* t l ph BH.

STBH l s tin ghi trn HBH/ giy chng nhn bo him v l mc trch nhim

cao nht DNBH bi thng cho bn mua bo him khi c tn tht xy ra.
-

GTBH l gi tr thc t ca i tng bo him.V d i vi gi tr bo him

hng ha l gi tr ha n ti ni bc hng hoc gi tr th trng ni v thi im bc

hng cng vi ph bo him, tin cc v cc chi ph lin quan.
-

Mi quan h gia STBH v GTBH. STBH<=GTBH.

V d: Bn mua bo him tai nn 24/24 ca BIC cho 2 ngi vi s tin bo him ln

lt cho tng ngi l 20 triu v 50 triu. Khi xy ra tai nn, BIC s ch bi thng ti
a cho 2 ngi ny s tin ln lt l 20 triu v 50 triu. Tuy nhin y ch l s tin ti
a, cn trong trng hp thit hi ca qu khch thp hn s tin bo him, BIC s ch tr
s tin thit hi thc t.
Cu 10: Ti sao cc doanh nghip va cnh tranh li va tm cch lin kt vi nhau.
Cnh tranh kinh t l mt quy lut kinh t ca sn xut hng ho v n xut pht t
quy lut gi tr ca sn xut hng ho. Nng lc cnh tranh ca doanh nghip l s th
hin thc lc v li th ca doanh nghip so vi i th cnh tranh trong vic tho mn
tt nht cc i hi ca khch hng thu li nhun ngy cng cao, bng vic khai thc,
s dng thc lc v li th bn trong, bn ngoi nhm to ra nhng sn phm, dch v hp
dn ngi tiu dng tn ti v pht trin, thu c li nhun ngy cng cao v ci tin
v tr so vi cc i th cnh tranh trn th trng. Cnh tranh c vai tr quan trng trong
nn sn xut hng ha ni ring, v trong lnh vc kinh t ni chung, l ng lc thc y
sn xut pht trin, gp phn vo s pht trin kinh t
Cc doanh nghip tm cch lin kt vi nhau gip cho nn kinh t pht trin. Cng nhiu
doanh nghip cnh tranh vi nhau th sn phm hay dch v cung cp cho khch hng s
cng c cht lng tt hn. Ni cch khc, cnh tranh s em n cho khch hng gi tr
ti u nht i vi nhng ng tin m hi cng sc ca h. Ngoi ra, cc doanh nghip
lin kt vi nhau nhm to li ch gi tr hai bn, cng nhau hp tc pht trin.