Chng 4. BO HIM HNG HI A. L thuyt: I. Phn loi tn tht 1.

Theo mc tn tht Tn tht b phn: mt phn ca i tng c bo him b mt mt, h hng, thit hi VD: xi mng b mt 2 bao, go b t gim gt thng mi 20%, Tn tht ton b: - Tn tht ton b thc t: ton b i tng c BH b + hy hoi hon ton + b tc ot k ly li c + b hy hoi k cn l vt th bo him + mt tch - Tn tht ton b c tnh: thit hi mt mt cha ti mc tn tht ton b thc t nhng khng trnh khi tn tht ton b thc t hoc nu cu cha th chi ph cu cha GTBH VD: hng b ri xung bin, nu trc vt th chi ph trc vt gt ban u ca l hng 2. Theo trch nhim BH: TN THT RING (TTR) & TN THT CHUNG (TTC). Tn tht ring (TTR): - l tn tht chi gy ra thit hi cho 1 hoc 1 s quyn li ca cc ch hng v ch tu trn 1 con tu => ch nh hng ti tng quyn li ring bit. - TTR gm: + thit hi v vt cht + tn tht chi ph ring: nhng chi ph bo qun hng ha gim bt h hi hoc khi h hi thm.VD: chi ph xp, d, gi hng, ng gi li, thay th bao b bn khi hnh v dc ng. C tn tht chi ph ring s hn ch v gim bt tn tht ring. - TTR c th l tn tht b phn hay tn tht ton b. Tn tht chung (TTC): - l nhng hi sinh hay chi ph c bit dc tin hnh 1 cch c v hp l nhm mc ch cu tu v hng ha trn tu thot khi 1 s nguy him chung. - TTC gm hi sinh TTC v chi phi TTC. + hi sinh TTC l nhng thit hi hoc chi ph do hu qu trc tip ca 1 hnh ng tn tht chung.

+ chi ph TTC l cc chi ph phi tr cho ng th 3 trong vic cu tu, hng thot nn hoc chi ph tu tip tc hnh trnh (chi ph lu kho bi ti cng lnh nn, chi ph tm thi sa cha h hi ca tu, chi ph tng thm v nhin liu) VD: tu b mc cn buc phi vt bt hng ha => hy sinh TTC Thu tu ko ht 1000$ => chi ph TTC - TTC khi c cc c trng sau: +hnh ng TTC phi l hnh ng t nguyn, hu ca ng trn tu theo lnh ca thuyn trng hoc ng thay mt thuyn trng. +hi sinh hoc chi ph phi c bit, bt thng. +hy sinh hoc chi ph phi hp l v an ton chung cho tt c cc quyn li trong hnh trnh. +nguy c e da ton b hnh trnh phi nghim trng v thc t. +mt mt thit hi hoc chi ph phi l hu qu trc tip ca hnh ng TTC. + TTC phi xy ra trn bin. PHN BIT TTC V TTR. TTR - xy ra ngu nhin - ch nh hng n quyn li c bit k ng gp chung, ai tn tht ngi chu - a im xy ra: bt k - bi thng ca BH: ty thuc vo loi BH ch hng ha mua

TTC c tnh, c nh hng n quyn li chung ca tt c cc bn: ch tu, ch hng ha trn tu ng gp chung b p vo TTC ch xy ra trn bin bi thng ca BH: lun c DN BH chi tr cho phn ng gp vo TTC

II. Cc loi iu kin BH iu kin bo him qui nh phm vi trch nhim (cc trng hp bi thng) ca DN BH 1. Bo him cho hng ha: 3 loi ABC Hng ha mua bo him loi no s c bi thng ch trong cc trng hp tng ng a. ICC C : - tn tht hng ha do chy n; tu b mc cn, chm m hoc b lt; m va; d hng ti cng lnh nn. - TTC

phn trch nhim m ng tham gia bo him phi chu theo iu khon 2 tu m va c li. b. ICC B = C + cc trng hp : - ng t, ni la, st nh - hng b nc bitn cun khi tu - hng b tn hi do nc bin xm nhp hm tu vo ni hng - tn tht nguyn kin hng trong qu trnh xp d chuyn ti. c. ICC A: mi trng hp 2. Bo him cho tu: xem bng trong sgt 192 a. TLO: b. ITC: mi trng hp B. Bi tp Cc bc thc hin phn b tn tht chung. o B1: xc nh gi tr TTC (Gt) bao gm gi tr ti sn hy sinh v cc chi ph lin quan n hnh ng TTC. o B2: x gi tr chu phn b TTCca cc bn Gci = GT TS bn i khi ri cng TTR xy ra trc TTC ca bn i (*) Dng ch yu Hoc Gci = GT ca tu hng khi hng v n bn + GT TTC + GT TTR xy ra sau TTC t dng o B3: xc nh t l phn b TTC (t) -l t trng ca gi tr TTC trong tng gi tr chu phn b TTC. t=

Gc l gi tr ca tt c quyn li c trn tu ngay trc khi xy ra hnh ng TTC. ??? Nu TTR xy ra sau TTC th gi tr TTR vn phi ng gp chu phn b TTC, nu xra trc th khng tham gia phn b. o B4: xc nh mc ng gp TTC ca mi bn (Si). S tin ng gp TTC ca mi bn (Si)= gi ch chu phn b TTC ca mi bn (Gci ) x t l phn b TTC. Lu : tng s tin ng gp TTC ca cc bn ch hng v ch tu ng bng gi tr TTC. o B5: xc inh STBT ca cc cty BH cho cc bn: Ty thuc vo loi iu kin BH c BT VD Bi tp vd: Bi 1 (K09_1)

TTR trc

TTC

TTRsau

1. Xc nh thit hi pht sinh Tu TTR xy ra trc TTC $5000 Tn tht chung $5000 TTR xy ra sau TTC _

Hng X _ _ $4000

Hng Y _ $20.000 _

Gi tr tn tht chung Gt = 5.000 + 20.000 = $25.000 2. Xc nh gi tr chu phn b tn tht chung ca cc bn Gc i = Gi tr TS ca bn i khi ri cng + TTR xy ra trc TTC ca bn i tu _ Gc = 400.000 5.000 = $395.000 hng X _ Gc = 180.000 0 = $180.000 hng Y _ Gc = 60.000 0 = $60.000 i Gc = $635.000 3. Xc nh t l phn b tn tht chung t t i 1
c

Gt 2 000 t= 100=3, 3 % i 100%= Gc 3 000 4. Xc nh s tin ng gp vo tn tht chung ca cc bn: i t i = Gc _ Stu = 395.000 3,3937% = $15.551 _ Shng X = 180.000 3,3937% = $7.086 _ S hng Y = 60.000 3,3937% = $2.362 i = $25.000 5. Xc nh s tin bi thng ca cng ty bo him _ Tu (k IIC) = 5.000 + 15.551 = $20.551 _ Hng X (c C) = Si = $7.086 (k C khng c bi thng $4000) _ Hng Y (k B) = $2.362 Tu Hng X Hng Y ng $5.000 0 $20.000 Phi ng ( i) $15.551 $7.086 $2.362 ng ra (thu v) $10.551 $7.086 $17.638