TRNG I HC NGOI THNG

KHOA KINH T V KINH DOANH QUC T

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TIU LUN BO HIM TRONG KINH DOANH

Vn gii quyt khiu ni v bi thng tn tht trong bo him hng hi ti cc cng ty bo him Vit Nam

Nhm sinh vin :

Phm Th Thu Hng Nguyn Mai Phng inh ng T L Hng Vn Nguyn Th Hng Vn T. S Trnh Th Thu Hng

Ging vin hng dn:

H Ni, 2011

TIU LUN BO HIM TRONG KINH DOANH

MC LC
LI M U ................................................................................................................... 1 I/ KHI QUT CHUNG V GII QUYT KHIU NI V BI THNG TN THT TRONG BO HIM HNG HI TI VIT NAM ............................................ 2 II/ VN GII QUYT KHIU NI V BI THNG TN THT TRONG BO HIM HNG HI TI CC CNG TY BO HIM VIT NAM............................ 4 II.1/ Quy trnh gii quyt khiu ni v bi thng tn tht ............................................... 4 1. Gim nh tn tht .............................................................................................. 4 2. Tip nhn h s ca khch hng ........................................................................ 6 3. Kim tra tnh hiu lc ca h s......................................................................... 7 4. Thanh ton bi thng tn tht .......................................................................... 8 5. Gii quyt cc tranh chp pht sinh.................................................................... 10 II.2/ Thc trng gii quyt khiu ni v bi thng tn tht trong bo him hng hi ti cc cng ty bo him Vit Nam ........................................................................................ 11 III/ MT S V KHIU NI V BI THNG TN THT TRONG BO HIM HNG HI TI CC CNG TY BO HIM VIT NAM ....................................... 15 1. Bi thng thit hi l hng phn urea ch ri ca Tng cng ty Vigecam ..... 15 2. Bo him Bo Minh bi thng tn tht cho cng ty Dung Qut ..................... 17 KT LUN ....................................................................................................................... 20

TI LIU THAM KHO PH LC

TIU LUN BO HIM TRONG KINH DOANH

LI M U
Trong kinh doanh quc t, vn ti ng vai tr rt quan trng bi y l mt mt xch cc k trng yu gip vn chuyn hng ho lu thng khp ton cu. Trong , vn ti bin chim phn ln khi lng hng ha xut nhp khu nhng cng ng thi l phng thc chuyn ch hng ha nhiu ri ro nht so vi cc phng thc cn li. Nhng ri ro ny gy ra rt nhiu thit hi, tn tht v thm ch l cc tranh chp, khiu ni i vi cc bn lin quan trong qu trnh lu chuyn hng ha bng ng bin. Bo him hng hi l mt nghip v bo him ra i t rt sm gii quyt nhng vn trn bng vic phng nga v hn ch nhng ri ro cng nh m bo li ch ca cc bn tham gia bo him nu c tn tht xy ra bng cng tc bi thng. Trong nhng nm qua, cng vi s pht trin ca cng tc bo him hng hi trn th gii, bo him hng hi ti Vit Nam cng c nhng s thay i v nhng bc tin ng k c bit trong cng tc gii quyt khiu ni v bi thng tn tht. Rt nhiu nhng khiu ni v tn tht c gii quyt tha ng v bi thng hp l. Vi mong mun tm hiu su v thc trng nghip v bo him hng hi ti Vit Nam, chng ti la chn ti Vn gii quyt khiu ni v bi thng tn tht trong bo him hng hi ti cc cng ty bo him Vit Nam nghin cu. Chng ti xin chn thnh cm n Tin s Trnh Th Thu Hng - ging vin khoa Kinh t v Kinh doanh quc t gip chng ti hon thnh tiu lun ny. Do vn kin thc cn hn hp nn bi tiu lun khng th trnh khi nhng thiu st, chng ti rt mong nhn c s gp ca c gio v cc bn ti c hon thin hn.

TIU LUN BO HIM TRONG KINH DOANH

I/ KHI QUT CHUNG V GII QUYT KHIU NI V BI THNG TN THT TRONG BO HIM HNG HI TI VIT NAM Cng vi s pht trin ngy cng vt bc ca khoa hc cng ngh v kinh t quc t th vic trao i, bun bn thng mi gia cc quc gia ngy cng pht trin hn bao gi ht. D dng nhn thy rng hin nay, vn ti ng bin gi v tr s mt trong chuyn ch hng ha trn th trng th gii. N m nhn chuyn ch gn 80% tng khi lng hng ha trong bun bn quc t. Vit Nam cng khng nm ngoi xu th . Vi mt h thng cng bin tri di trn c nc ngy cng c u t v nhn lc v vt lc, chuyn ch hng ha xut nhp khu cng nh ni a bng ng bin Vit Nam ngy cng c iu kin c m rng v pht trin, gp phn khng nh n cn cn thng mi, thc y kinh t t nc. Tuy nhin, hng ha v tu trong qu trnh vn chuyn hng hi thng gp rt nhiu ri ro do nhiu nguyn nhn nh iu kin thi tit, c s vt cht hng hi, yu t con ngiMt khi ri ro xy ra, ch hng ha hay nhng ngi c lin quan c th phi chu rt nhiu thit hi khng th lng trc c, nh hng khng nh n hot ng kinh doanh, thm ch trong nhiu trng hp c th dn n ph sn. Hn na, nhng doanh nghip Vit Nam cn rt yu v km trong vic gii quyt tranh chp pht sinh gia cc bn khi xy ra ri ro. V vy, cn thit phi c mt bn khc ng ra cam kt bi thng v nhng thit hi mt mt do mt ri ro tha thun gy ra, tt nhin vi iu kin l bn c bi thng ng cho bn kia mt khon ph nht nh. V bo him hng hi ra i. Nh vy, ngun gc su xa ca bo him hng hi cng nh bt k lnh vc bo him no khc u l do ngi mua bo him mun nhn c mt khon tin bi thng nht nh khi ri ro xy ra, h c th trnh c nhng thit hi qu ln v ti sn, vt cht. Chnh v vy m vic gii quyt khiu ni v bi thng tn tht trong bo him ng vai tr cc k quan trng. Khiu ni l vic ngi c bo him xut trnh h s ph hp i tin ngi bo him khi gp thit hi, tn tht do mt ri ro c bo him gy nn. B h s khiu ni ny s l c s cng ty bo him xc nh xem c bi
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TIU LUN BO HIM TRONG KINH DOANH

thng hay khng. Bn cnh , vic khiu ni phi c thc hin trong thi hn khiu ni mt khong thi gian hp l cho 2 bn thc hin cc cng vic lin quan n khiu ni v nh chun b giy t, chng t, gim nh tn tht Bi thng c ngha l bo m cho ngi c bo him c tnh hnh ti chnh nh th l khi ri ro c bo him khng xy ra, sao cho khng xu hn cng nh khng tt hn. V vy trong cc hp ng bo him, bi thng c th c coi l s n b chnh xc v ti chnh, khi phc tnh trng ti chnh ban u ca ngi c bo him nh trc khi xy ra tn tht. Vic tnh ton bi thng tn tht l rt phc tp, phi da trn nhng nguyn tc chung nhng ty vo tng tnh hung c th m c th c nhng cch gii quyt khc nhau. Chnh v phc tp nh vy m trn thc t, c rt nhiu tranh chp pht sinh gia ngi c bo him v cng ty bo him v khng thng nht c cch bi thng tn tht. Vy nn khi quyt nh bo him cho hng ha ca mnh, cc doanh nghip nn la chn nhng cng ty uy tn, am hiu nghip v bo him la chn k kt hp ng bo him, m bo cho quyn li ca c 2 bn khi c ri ro xy ra. Vit Nam, th trng bo him ngy cng hot ng si ni vi s ra i ca rt nhiu cng ty mi, c bit l s kt hp gia bo him v ngn hng, to cho khch hng nhiu s la chn hn bao gi ht. Hu nh tt c cc cng ty bo him u c mc bo him hng hi, tuy nhin cng cha phi l th mnh ca hu ht cc cng ty, v y l mt nghip v rt kh, i hi tnh chuyn mn v kinh nghim thc tin cao. Hin nay, v lnh vc ny c mt s cng ty ln nh Bo Vit, Bo Minh, Pjico, PVI, BIC, GICNgoi ra c th k n Bo Ngn, SVIC, Vin ng, AAA, HSBC v rt nhiu cc cng ty bo him v ngn hng khc na. Danh mc cc sn phm bo him hng hi ca cc cng ty l kh a dng v khng hon ton ging nhau, nhng xt mt cch chung nht, c th phn bo him hng hi ra thnh 3 loi: Bo him hng ha vn chuyn bng ng bin, bo him thn tu v bo him trch nhim dn s ca ch tu .
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TIU LUN BO HIM TRONG KINH DOANH

II/ VN GII QUYT KHIU NI V BI THNG TN THT TRONG BO HIM HNG HI TI CC CNG TY BO HIM VIT NAM II.1/ Quy trnh gii quyt khiu ni v bi thng tn tht Quy trnh ny nhiu cng ty tuy c khc nhau nhng v c bn th u tun theo nhng bc sau: Gim nh tn tht

Tip nhn h s khiu ni ca khch hng

Kim tra tnh hp l h s Xc nhn khiu ni

Thanh ton bi thng tn tht

Gii quyt cc tranh chp pht sinh (nu c)

Ngoi nhng bc c bn trn th cc cng ty bo him c th c nhng ni dung c th khc v nh i bi thng bn th ba, x l ti sn b h hng hay t vn v phng hn ch tn tht nh cng ty Bo Minh thc hin. Chi tit c th ca cc bc nh sau: 1. Gim nh tn tht Khi xy ra tn tht, ngi c bo him ngoi vic tin hnh mi bin php c th phng trnh hay gim nh tn tht, cn phi thng bo ngay cho ngi bo him hoc i l ca h n gim nh. Nu ngi bo him khng c i l a phng, ngi c bo him c th yu cu mt gim nh vin c ng k ti a phng gim nh. Tr khi c tha thun khc, ngi bo him t chi gii quyt mt khiu ni khng c chng minh bng bin bn gim nh.
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TIU LUN BO HIM TRONG KINH DOANH

V phn cng ty bo him, sau khi nhn c thng bo tn tht, phi lp tc c gim nh vin/ chuyn vin gim nh tn tht hoc ch nh mt cng ty gim nh c lp n hin trng phi hp vi Ngi c bo him xc nh nguyn nhn, mc tn tht. iu ny c bit quan trng v sau khi gim nh, ngi bo him s c th c nhng quyt nh v vic bo qun hoc nim phong hng tn tht; m phn vi Ngi c bo him v cc bn lin quan trong vic bn cu vt, i ngi th ba hoc t chi khiu ni bng vn bn (nu khng thuc phm vi bo him) trong vng 15 ngy. Nh vy, c th ni gim nh tn tht l c s cho vic bi thng. Gim nh tn tht c tin hnh khi hng ha b h hng, v thi ht, gim phm cht, thi cng n hoc ti cng dc ng v do ngi c bo him yu cu. Nhng tn tht nh do tu m, hng mt, giao thiu hng hoc khng c giao th khng cn phi gim nh v cng khng th gim nh c. Hng b tn tht phi c gim nh ngay khi pht hin ra tn tht ti cng d hng hoc ti kho nhn hng cui cng nu trc khi di chuyn hng ha t tu v kho cui cng c bin bn kt ton nhn hng vi tu (ROROC), vi cng (COR), trong ghi r s lng v tnh trng hng b tn tht. Ti thi gian v a im gim nh trn, s d dng hn trong vic xc nh nguyn nhn gy nn tn tht cng nh mc tn tht mt cch chnh xc v Chng th gim nh tn tht s c gi tr php l cao hn trong vic i bi thng. Sau khi gim nh, ngi gim nh s cp Chng th gim nh, gm 2 loi: Bin bn gim nh v Giy chng nhn gim nh. y l nhng chng t rt quan trng, v vy, khi hng cp cng n, nu c tn tht phi yu cu gim nh ngay (khng mun hn 60 ngy k t ngy d hng khi tu). C quan gim nh l c quan c y quyn trong hp ng bo him hoc c quan c ngi bo him y quyn. V gim nh tn tht l mt nghip v rt phc tp v mang tnh k thut cao, nn nhiu cng ty bo him Vit Nam y quyn cho mt t chc gim nh ring. Vit Nam, Cng ty C phn Gim nh Vinacontrol, vi i ng gim nh vin c o to v am hiu c l
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TIU LUN BO HIM TRONG KINH DOANH

thuyt v thc t, v ang cung cp cho rt nhiu khch hng trong nc v quc t cc dch v gim nh tn tht, phn b tn tht v phng, hn ch tn tht i vi tt c cc loi hng ho xut nhp khu. Ngoi ra, Vinacontrol cng l i l gim nh tn tht cho rt nhiu Cng ty bo him trong nc cng nh nc ngoi nh Bo Vit, Bo Minh, cc Cng ty bo him Hn Quc, Nht Bn 2. Tip nhn h s khiu ni ca khch hng Hu ht cc cng ty u quy nh trch nhim ca khch hng khi tn tht xy ra, thng thng bao gm: - Khi c nguy c c th dn n tn tht, Ngi c bo him phi thng bo ngay cho Cng ty bo him hoc nhng ngi i din hoc i l ca cng ty bo him ni gn nht bng in thoi hoc fax. Nu khng c thng bo tn tht cho ngi chuyn ch vo lc giao hng hoc trong vng 3 ngy k t ngy giao hng th vic giao hng c suy on l giao ng nh m t ca B/L v sau ny khi pht hin tn tht cng khng khiu ni ngi chuyn ch c na; - Khi xy ra tn tht, thng bo bng in thoi v in vo Th d khng/Notice of Loss theo mu ri fax cho cng ty bo him(trong vng 24 gi); Lp Notice of Loss gi cho ngi vn chuyn hoc i l ca ngi vn chuyn hoc bn th ba khc lin quan n tn tht; - Khn trng tin hnh cc bin php hn ch tn tht, ng thi thng bo cho cng ty bo him bng in thoi phi hp gii quyt; - Bo lu quyn khiu ni ngi th ba (nu c); - Thu thp ton b cc chng t lin quan n hng ho tn tht nh COR, ROROC; - Gi b h s khiu ni cho cng ty bo him. Ngay sau khi c ri ro c bo him xy ra v gy ra tn tht, ngi c bo him phi lp h s khiu ni i ngi bo him bi thng. B h s ny gm nhng loi giy t khc nhau ty tng trng hp tn tht, nhng phi chng
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TIU LUN BO HIM TRONG KINH DOANH

minh c: Ngi khiu ni c li ch bo him; hng ha c bo him; tn tht thuc mt ri ro c bo him; gi tr v s tin bo him; s tin i bi thng v m bo ngi bo him c th i c ngi th ba bi thng. Vi nhng ni dung trn y, mt b h s khiu ni thng gm c nhng giy t sau: - Hp ng hay giy chng nhn bo him gc; - Vn n gc ; - Bn sao ho n gc hoc cc ho n chi ph; - Chng t xc nhn s lng, trng lng hng; - Th khiu ni km tnh ton s tin khiu ni; - Bin bn gim nh ca ngi bo him hoc ngi c ngi bo him y quyn; - Giy yu cu bi thng hng ho tn tht (theo mu). Trn y l nhng chng t c bn, cn tu tng trng hp khiu ni c th m ngi bo him km thm cc chng t cho ph hp. Tt c cc cng ty bo him u quy nh mt thi hn khiu ni vi ngi bo him m bo quyn li v ngha v ca c hai bn. i vi bo him hng ha, h s khiu ni phi c gi trc tip cho ngi bo him hoc i l ca h trong thi gian sm nht nhng khng c chm qu 2 nm k t ngy c tn tht hoc pht hin tn tht hay 9 thng (nu khiu ni tn tht c lin quan n trch nhim ca ngi th ba) k t khi hng c d khi tu bin ti cng c tn ghi trong hp ng bo him tr khi c tho thun khc. Thi hn ny l hp l v nu vn quy nh l 2 nm th cng ty bo him s khng cn thi gian i i bn th 3 na. Thi hn khiu ni i vi bo him thn tu l hai nm k t ngy xy ra tai nn v 1 nm nu c khiu ni ngi th 3. 3. Kim tra tnh hp l ca h s B h s l do ngi c bo him lp, v vy cng ty bo him phi kim tra k tt c cc giy t, chng t c th m bo quyn li ca mnh. Thng thng, cc cng ty bo him Vit Nam s xc nhn b h s khiu ni trong
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TIU LUN BO HIM TRONG KINH DOANH

vng 24 ting k t khi nhn c Thng bo tn tht t pha ngi c bo him. vic lm ny c hiu qu, cn c mt i ng nhn vin am hiu nghip v v cn mn hp l c th pht hin nhng sai st khng ng c. 4.Thanh ton bi thng tn tht Thng thng, cc cng ty bo him ti Vit Nam s tin hnh bi thng trong vng 30 ngy k t khi nhn c b h s khiu ni hp l ca ngi bo him. Ring i vi bo him thn tu l 60 ngy k t ngy nhn y h s khiu ni. Trong trng hp t chi bi thng, ngi c bo him phi c kin t chi trong vng 60 ngy k t ngy gi giy bo t chi, nu khng coi nh chp nhn. Cn b bi thng bo him nghin cu, xem xt bi thng bo him trn cc cn c sau: Tn tht xy ra do mt ri ro c bo him v trong thi gian n bo him hoc Giy chng nhn bo him cn hiu lc. Ngi mua bo him thc hin y ngha v c mnh nh: np ph bo him, thng bo v tn tht v khiu ni trong thi hn quy nh, thc hin cc ch dn ca ngi bo him trong vic hn ch tn tht v.v Cc chi ph khc phc s c, thit hi v ph tn hp l, hp l v ph hp vi tnh hnh tn tht. Cc cng ty Vit Nam thng tnh ton v bi thng tn tht trn c s cc nguyn tc sau: Bi thng bng tin ch khng bng hin vt; V nguyn tc, trch nhim ca ngi bo him ch gii hn trong phm vi s tin bo him nhng khi cng thm chi ph hp l khc lm s tin bi thng vt qu s tin bo him th cng ty bo him vn phi bi thng; Khi thanh ton tin bi thng, ngi bo him c th khu tr nhng khon thu nhp ca ngi c bo him trong vic bn hng v i bi thng t ngi th ba.
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TIU LUN BO HIM TRONG KINH DOANH

Cch tnh ton, bi thng tn tht: Tn tht ton b: Phng php bi thng i vi tn tht ton b rt n gin v d hiu. Tr khi c quy nh khc i trn n bo him hoc c tho thun khc bi hai bn, s tin bi thng s l s tin bo him. i vi mt b phn ca i tng bo him b tn tht ton b, v d nh trong trng hp mt kin hng b tn tht ton b do b ri xung bin trong qu trnh bc d v vn chuyn hng ha, phng php bi thng chnh l s tin bo him ca b phn b tn tht ton b . i vi trng hp tn tht ton b c tnh, c 2 trng hp xy ra: Nu ngi c bo him c thng bo t b hng v c ngi bo him chp nhn th ngi bo him phi bi thng ton b. Nu ngi c bo him khng t b hng hoc vic t b hng khng c ngi bo him chp nhn th ch c bi thng nh tn tht b phn. Tn tht b phn: Bo him hng ha: V nguyn tc, m bo vic bi thng chnh xc, phi bi thng da trn cng thc: P = ((V1 V2)/V1) x A (hoc A/V nu A<V) bi v trong lnh vc hng hi, do gi tr ca hng ha thng xuyn thay i t nc ny sang nc khc, ng thi gi tr th trng ca cc con tu cng dao ng vi bin tng i ln. Tuy nhin trn thc t, khi tnh ton bi thng tn tht cc cng ty bo him ti Vit Nam hu nh khng tnh n yu t bin ng ny. Vic tnh ton bi thng tn tht b phn ti Vit nam thng xy ra cc trng hp: - Bi thng tn tht do v, h hng, thiu ht, gim phm chtc bin bn gim nh chng minh: + Nu bin bn gim nh c ghi mc gim gi tr thng mi: P = m. A + Nu bin bn gim nh khng ghi mc gim gi tr thng mi m ch ghi s lng, trng lng hng ho b thiu ht: P = (T2/T1).A (T2: l trng lng/s lng hng ho b thiu ht, T1: trng lng/ s lng hng ho theo hp ng)
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TIU LUN BO HIM TRONG KINH DOANH

- Bi thng mt nguyn kin: nu cc kin c n gi th s tin bi thng bng s kin b mt nhn vi n gi; nu khng th bi thng nh trng hp tn tht v s lng, trng lng - Bi thng cc chi ph: + Chi ph t tng v phng hn ch tn tht hoc bo v quyn li ca hng ho bo him hoc nhng chi ph lin quan n vic i ngi th byya bi thng + Chi ph gim nh tn tht thuc trch nhim bo him - Bi thng tn tht chung: + Hy sinh tn tht chung: nu ton b hay mt phn ca l hng b hy sinh cu tu v c cng nhn l tn tht chung th ngi bo him s bi thng gi tr hy sinh + ng gp tn tht chung: trn c s bn phn b tn tht chung do chuyn vin tnh ton tn tht chung lp nn, ngi bo him s bi hon phn ng gp ca ch hng vo tn tht chung, cho d hng ho c bo him theo iu kin g. - Bo him thn tu: Bi thng chi ph sn xut hoc thay th Ring i vi bo him trch nhim dn s ca ch tu, khi thanh ton bi thng, ngi bo him s khu tr mt s tin quy nh i vi mi mt v tn tht c chp nhn bi thng. Mc khu tr ca tng tu c ghi trn giy chng nhn bo him ca tu theo nm bo him. 5. Gii quyt cc tranh chp pht sinh Khi cng ty bo him t chi thanh ton bi thng v mt l do no v hai bn khng th thng nht c cch gii quyt th c th dn n nhng tranh chp v nh ngi c bo him kin ngi bo him. V nguyn tc gii quyt tranh chp, vic gii quyt trc ht phi xem xt n gii php thng lng to c gi tr tng thm, trnh gii quyt tranh chp ti Ta n trong cc trng hp khng cn thit hoc cng ty bo him cm thy thiu c s php l. Khi khch hng khng chp nhn yu cu ca cng ty

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TIU LUN BO HIM TRONG KINH DOANH

bo him v khi kin ti Ta n th vic ch o gii quyt tranh chp phi thc hin ng th tc t tng do php lut quy nh. II.2/ Thc trng gii quyt khiu ni v bi thng tn tht trong bo him hng hi ti cc cng ty bo him Vit Nam Trong nm 2010, th trng ghi nhn tnh hnh tn tht cc thng u nm kh kh quan. Tnh n cui thng 11/2010, ngoi mt s v tn tht c khong vi trm ngn USD, duy nht 01 v s c mc cn ca tu ng Phong ngy 21/03/2010 ti Ishikari, Nht Bn vi chi ph ra cn 1,85 triu USD c coi l tn tht ln. Tuy nhin, ch hai thng cui nm xy ra hng lot s c lin tip gy cc tn tht ln, chm tu, lt tu. C th k n nh: Tu Ph Tn vi s tin bo him hai triu USD b chm ti vng bin gip gianh gia VIt Nam v Trung Quc ngy 16/12/2011 khi ang trn ng t thnh ph H Ch Minh ra Hi Phng. Tai nn ny lm 1 ngi cht v 23 ngi mt tch. Ton b 315 container hng ha cng b thit hi. Tu Trng Anh 27 b chm cng l hng tr gi hn 10 t VND ngy Tu Hng Cng 168 vi s tin bo him 70 t VND cng b chm ti Tu Vn n 02 9 ng nm 1990 ti Hn Quc) c s tin bo him l 17/12/2010 ti Qung Nam. Trung Quc ngy 24/12/2010 lm 2 ngi cht v 1 ngi b mt tch. 2,35 triu USD cng b chm ngy 28//12/2010 trong hnh trnh t Malaysia v Vit Nam. V tai nn ny cn lm chm l hng st tho tr gi gn 4 triu USD v lm 12 thy th on mt tch. Tu Trng Giang 54 c s tin bo him l 12,5 t VND cng b mc cn ngy 29/12/2010 ti Khnh Ha trong hnh trnh t ng Nai i Hi Phng. Trong qu trnh cu vt hng ha, tu b gy i. iu ng lu y l cc v tn tht trn u c nguyn nhn t li/ s c k thut ca tu xy ra trong iu kin thi tit xu, sng to gi ln cng vi thiu kinh nghim, mn cn ca thy th on dn n tai nn ng tic. Xt mt cch c th:
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Bo him hng ha: i vi cc cng ty bo him Vit Nam, bo him

hng ha l mt nghip v kh quen thuc v l th mnh m cc cng ty cnh tranh nhau trn th trng. Hnh 1: Biu ph bo him, bi thng v t l bi thng nghip v bo him hng ha vn chuyn bng ng bin 2000-2010

(Ngun: Tng cng ty ti bo him Quc gia (VINARE) Nhng con s trn cho thy kt qu kinh doanh nghip v ny tuy khng tt bng cc nghip v bo him ti sn khc nhng vi t l bi thng trung bnh 55%-60% th nghip v ny vn c li. Tuy nhin, vn cn mt s mt hng, nhm hng vn thng xuyn c s tin bi thng xp x hoc thm ch ln hn ph bo him gc thu c. Cc mt hng nhy cm nh bt m, kh u nnh, phn bn vn c t l bi thng rt cao do bo him ri ro thiu ht qua cn. Cc doanh nghip vn chy ua nhau c doanh thu mc d h bit bo him cho mt hng ny rt c th s gp ri ro. Cng c mt s doanh nghip nhn nhn c vn v khng tip tc khai thc cc mt hng ny na. Bo him thn tu v trch nhim dn s ca ch tu cng dn c ch trng v c bit l c rt nhiu tranh chp pht sinh t 2 loi hnh bo him ny. Nguyn nhn l do i tu bin Vit Nam hin nay vn tui trung bnh tng i cao (hn 15 tui) v vn tn ti mt s tu trn 30 tui. Tnh trng k thut v thit b an ton ca i tu vn cha p ng y cc yu cu ca cc cng c
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TIU LUN BO HIM TRONG KINH DOANH

Quc t nn c kh nhiu tu bin treo c Vit Nam b chnh quyn cng nc ngoi lu gi do tnh trng k thut yu km ca tu. Cng vi , tnh hnh kh hu ngy cng khc nghit, thin tai trn th gii v trong khu vc xy ra ngy cng nhiu lm s v tn tht xy ra i vi i tu bin Vit Nam ngy cng gia tng, vi mc ngy cng nghim trng dn n s tin khiu ni v bi thng rt ln khin t l bi thng bo him thn tu v bo him trch nhim dn s ch tu rt cao. Xt trong nm 2010, bo him thn tu v TNDS ch tu t doanh thu 1.796 t ng, tng trng 16,3%, cc doanh nghip bo him c doanh thu cao l Bo Vit 526 t ng, PVI 512t ng, Bo Minh 251 t ng, PJICO 196 t ng, BIC 66 t ng, GIC 64 t ng. Tng s tin gii quyt bi thng l 689 t ng. Cc DNBH c t l bi thng cao l ABIC 50%, Pjico 47,8%, PVI 45,9%. Hnh 2: Biu ph bo him, bi thng v t l bi thng nghip v bo him thn tu giai on 2000-2010

(Ngun: Tng cng ty ti bo him Quc gia (VINARE) i vi bo him thn tu, ngoi tn tht vi nguyn nhn l tu yu km v thi tit khng thun li th mt phn l do li ca s quan v cc thy th tu. Trong a phn li l do s sut trong vn hnh hay vn hnh khng ng quy trnh k thut gy s c i vi my tu, thiu ch quan st, ch quan khng thu hoa tiu h tr trong cc trng hp vo lung lch, ca bin c nguy
13

TIU LUN BO HIM TRONG KINH DOANH

him cao hoc thiu cnh gic khng s dng lin tc h thng radar quan st dn n m va, mc cn gy ra h hi i vi thn tu. Phng bo him Tu thy Tng cng ty Bo him Vit Nam thng k tn tht v phn loi cc khiu ni i bi thng bo him thn tu trong 5 nm (2006-2010) ti Bo Vit nh sau: Bng 1: Thng k tnh hnh khiu ni bo him thn tu 5 nm 2006-2010 Phn loi cc khiu ni theo nhm m va, mc cn Hng my Chy n Thit hi v tu Khc T l khiu ni 13% 52% 5% 12% 18% Tnh hnh tn tht thuc bo him trch nhim dn s ca ch tu Vit Nam trong nhng nm gn y cng c chiu hng gia tng, s lng cc v khiu ni cng nh t l bi thng lun mc cao mc d cng tc gim nh v bi thng tn tht vn ang c hi WOE, cc c quan lin quan nh VIRES, cc ch tu quan tm v thc hin nghim tc. Nhn chung, cc tn tht xy ra trong nhng nm qua ch yu tp trung vo cc khiu ni v trch nhim i vi tn tht hng ha, trch nhim do am va, mc cn, di chuyn xc tu. Di y l bng thng k tnh hnh tn tht v phn loi khiu ni i bi thng bo him trch nhim dn s ch tu trong 5 nm 2006-2010 ti Bo Vit: Bng 2: Thng k tnh hnh tn tht P&I trong 5 nm 2006-2010 Phn loi cc khiu ni P&I theo nhm Thit hi v hng ha m va, mc cn Tai nn con ngi nhim T l khiu ni 70% 17% 11% 02%

(Ngun: Thng k ca phng Bo him tu thy Tcty Bo him Vit Nam 2010)

(Ngun: Thng k ca phng bo him tu thy Tcty Bo him Vit Nam 2010)
14

TIU LUN BO HIM TRONG KINH DOANH

Khi xy ra tn tht, rt nhiu cng ty ch ng hp tc vi khch hng gii quyt vn nh Bo Vit, PVI tuy nhin cng c khng t cng ty khng chu nhn trch nhim, gy kh d cho khch hng.khin qu trnh gii quyt bi thng gp nhiu kh khn. Giai quyt khiu ni v bi thng tn tht l mt nghip v kh, i hi cc cng ty phi khng ngng nng cao trnh chuyn mm cng 3nh c thi phc v khch hng mt cch nghim tc v hiu qu nht. III/ MT S V GII QUYT KHIU NI V BI THNG TN THT TRONG BO HIM HNG HI TI MT S CNG TY BO HIM VIT NAM Trong phn ny, nhm ngi vit xin c nu ra mt s trng hp gii quyt khiu ni v bi thng tn tht trn thc t thy c r nt hn v cng tc bi thng tn tht ti mt s cng ty bo him Vit Nam cng nh mt s im ng lu trong cng tc bi thng tn tht. 1. Bi thng thit hi l hng phn urea ch ri ca Tng Cng ty Vigecam Tm tt s vic: Vo thng 6/2004, Bo Vit tin hnh bi thng cho l hng phn urea ca Tng Cng ty Vt t nng nghip H Ni - ch ri t cng Ruwais UAE n cng HCM - tng s tin bo him ca hp ng theo 110% CIF l 56.416.231.000 VN... Tng Cng ty Vt t nng nghip H Ni (Vigecam) mua bo him ti Bo Vit cho l hng phn urea ch ri t cng Ruwais UAE n cng HCM. iu kin bo him A QTCB, min thng 0,3% thiu ht, tng s tin bo him 110% CIF l 56.416.231.000 VN. Tu Islamabad ch ton b 16.235,708 tn phn urea ri, vn n s 1 ngy 03/2/2004 t Ruwais UAE v Vit Nam. Hng ho c xp trong c 4 hm tu, pha trn c che ph bi mt lp bt. Hng ho tip xc trc tip vi cu trc hm tu, khng c vt liu chn lt, ngy 18/2 tu cp cng Khnh Hi d hng. Hng c d khi tu bng gu ngom, sau vo cc mng hng, ton

15

TIU LUN BO HIM TRONG KINH DOANH

b hng trn tu c giao cho Cng ty TNHH dch v vn ti ng gi Si Gn ng bao v vn chuyn ln xe hoc xung ghe chuyn v kho ch hng. Nghi ng rng hng c tn tht, Vigecam lp h s khiu ni v thng bo cho pha Bo Vit bit. Ngay sau , Bo Vit y quyn cho cng ty c phn gim nh thm nh Vivaco thc hin gim nh tn tht. Trong qu trnh gim nh mm, gim nh vin pht hin c s thay i lng nc trong ballast, lm s liu hng khng c chnh xc. Gim nh vin lp khng th v vn ny v yu cu ly s liu b lm kt qu cui cng. Trc khi d v trong khi d, hng ho u trong tnh trng bnh thng, vo cui qu trnh d hng pht hin hng lp y b nhim bn, i mu v ln tp cht do tip xc trc tip vi sn tu. Theo bin bn gim nh ca cng ty c phn gim nh-thm nh Vivaco v cc chng t lin quan, s lng hng tn tht c xc nhn nh sau: S hng thc nhn sau khi ng bao thiu 365,759 tn so vi B/L.187 tn nhim bn, bin mu, ln tp cht gim GTTM 10% tng ng 18,7 tn tn tht ton b. Theo Bin bn gim nh th tng lng hng tn tht l 384,458 tn. Nguyn nhn tn tht mt phn do tu giao thiu, mt phn hao ht ri vi trong qu trnh ng gi, d hng t tu vo b, 187 tn h hng do tu khng dng vt liu chn lt, hng tip xc trc tip vi y hm tu, gy nn nhim bn v bin mu. Theo iu kin A QTCB 1998, tn tht hng thuc trch nhim bo him, khch hng thanh ton y v ng hn ph bo him. Sau khi xem xt h s v xc nh tn tht ni trn thuc trch nhim bo him, cn c vo n bo him cp, kt qu gim nh v nhng chng t lin quan, Bo Vit ng tr tin bo him. Theo ghi nhn trong Bin bn gim nh, tng lng hng tn tht l 384,458 tn, s lng hng tn tht thuc trch nhim bo him l 384,458 tn - 48,707 tn min thng = 335,751 tn, tng ng s tin bi thng l 1.166.676.000 VN. Do tu giao thiu hng nn ch tu chp nhn tr 53.000 USD, do s tin m Bo Vit trc tip tr cho ch hng l

16

TIU LUN BO HIM TRONG KINH DOANH

332.456.000 ng. Vic gii quyt nhanh gn ca Bo Vit c khch hng hoan nghnh v tin tng. Bn lun: Trong v vic trn, c 2 bn thc hin rt tt v nhanh chng cc ngha v ca mnh, hn na cng ty Bo Vit cng rt c thin ch hp tc, v vy m quy trnh gii quyt khiu ni v bi thng tn tht din ra nhanh chng, 2 bn khng phi a nhau ra Ta, trnh c tn tht khng ng c. y l mt trong s rt nhiu nhng v m Bo Vit gii quyt n b tin bo him mt cch hp l, c bit l c nhng v gi tr bo him rt ln. 2. Bo him Bo Minh bi thng tn tht cho Cng ty Dung Qut Tm tt s vic: Cui nm 2006, Cng ty TNHH mt thnh vin Cng

nghip tu thy Dung Qut (gi tt l DQS) v Tng cng ty c phn Bo Minh (gi tt l Bo Minh) k vi nhau mt hp ng bo him mi ri ro cho vic ng mi mt tu ch du trng ti hn 100.000 tn. Thi hn bo him l 2 nm, kt thc vo 30/12/2008 vi tng ph m DQS phi tr l hn 4,7 t ng. Theo quy nh ti hp ng, ph bo him ni trn c thanh ton thnh 3 ln. Trong , s tin phi tr trong ln u (15 ngy sau khi hp ng c hiu lc) tng ng 50% tng ph. S cn li c tr ln lt khi tu c h thy v bn giao. Tuy vy, trong ln thanh ton u tin, pha DQS ch chuyn cho Bo Minh 2 t trong s gn 2,4 t ng tin ph m doanh nghip ny l ra phi tr. S ph cn thiu sau c 2 doanh nghip nhc li nhiu ln trong cc vn bn qua li. n ngy 31/12/2008, khi hp ng bo him va ht hn nhng con tu vn cha hon thnh, theo yu cu ca DQS, 2 bn li k vi nhau mt bn sa i b sung hp ng nhm ko di thi gian bo him n ht thng 2/2010. Trong thi gian gia hn ni trn, ngy 28/9/2009, cn bo s 9 b vo min Trung gy tn tht cho con tu. Nhn c thng bo ca DQS, Bo Minh ch nh Cng ty Matthiew Daniel lm n v gim nh tn tht. Bo co kt qu cho thy tng thit hi c tnh l hn 4,1 triu USD (khong 70 t ng).

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TIU LUN BO HIM TRONG KINH DOANH

DQS yu cu pha Bo Minh tm ng 50% gi tr tn tht c tnh (theo quy nh ti hp ng) khc phc hu qu. Doanh nghip ny sau cng chuyn tr cho Bo Minh s tin gn 400 triu ng cn thiu trong t thanh ton ph u tin. Tuy nhin, pha Bo Minh nhiu ln t chi tip nhn ring s tin ny v cho rng DQS phi chuyn tr ton b s ph cn thiu (khong 3 t ng). L gii cho vic t chi tr bo him ca mnh pha Bo Minh cho hay: Theo n bo him c cp ngy 1/12/2006, thi hn bo him c quy nh t 30/12//2006 n 30/12/2008. Cn theo giy chng nhn bo him sa i b sung k ngy 31/10/2008 th thi hn bo him l t 31/12/2008 n 28/2/2010. Nh vy, v vn thi hn bo him i vi con tu c cn c xc nh thi hn bo him l n ngy 28/2/2010. Tuy nhin, do DQS vi phm ngha v np ph nn trch nhim bo him ch c tnh n ngy 30/1/2009. Bi vy, hp ng bo him b chm dt trc khi tn tht xy ra nn khng thuc phm vi trch nhim bo him ca Bo Minh. V phn mnh, pha DQS cng cho rng Bo Minh ch tuyn b hp ng chm dt hiu lc sau khi xy ra tn tht. Hn na, khi phn xt v hiu lc ca hp ng bo him, Bo Minh c tnh qun mt cam kt trong hp ng bo him l: Hp ng bo him ny tip tc c hiu lc nu khng bn no yu cu hy b bng cch gi thng bo cho bn kia 03 thng trc ngy d kin hy. Vy m sau mt thi gian di nhc nh DQS np ph m khng c bt c thng bo no v vic hy hp ng bo him, Bo Minh tuyn b HBH b chm dt. Bo Minh cng c nhiu vn bn yu cu DQS np ph bo him cho c thi gian gia hn bo him. Ngy 16/2/2011, Cng ty Cng nghip tu thy Dung Qut (DQS) c n khi kin Bo Minh ra Ta n nhn dn tnh Qung Ngi. Tuy nhin sau hai bn c bui lm vic gii quyt khiu ni bi thng. Theo , Bo Minh v DQS thng nht vic gii quyt khiu ni i bi thng tu 104.000 DWT gia DQS v Bo Minh s tin hnh theo th tc hin hnh, u tin thc

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TIU LUN BO HIM TRONG KINH DOANH

hin theo phng n ho gii thng lng, m bo li ch hp php khng lm nh hng n uy tn ca hai bn. xc nh s tin bi thng DQS s cung cp ti liu, ho n, chng t lin quan n vic khc phc, sa cha tu 104.000 DWT trc ngy 15/6/2011. DQS ch ng tin hnh m phn thng lng s tin bi thng vi Bo Minh v hon thnh trong thng 6/2011. Bn lun: V vic trn s khng rc ri nu nh 2 bn c quy nh r rng v vic ng ph bo him. y, cng ty Bo Minh khng ch ng thng bo cho khch hng bit v vic ht thi hn bo him m vn tin hnh thu ph bo him, khng h cp g n tnh hiu lc ca hp ng bo him. Trong khi , Cng ty Dung Qut khng np ph bo him ng hn v cng ch quan mc nhin tha nhn tnh hiu lc ca hp ng. Thit ngh, trnh nhng trng hp tng t nh vy, th ngi mua bo him phi ch ng ng ph bo him nhanh chng v ng hn, m bo quyn li ca mnh khi tn tht xy ra. Cng ty Bo him cng phi thng bo kp thi cho khch hng ca mnh nhng thay i quan trng cng nh t vn cho khch hng v phng, hn ch tn tht. Trong v vic ny, hai bn sut phi tranh chp ta n nhng cui cng ha gii v thng lng c, trnh c nhng thit hi v vt cht v uy tn cho c 2 bn. Trong mi trng hp, a nhau ra Ta n ch l phng n cui cng khi 2 bn khng th thng nht cch gii quyt chung. Qua hai v vic trn ta thy rng trong thc t, vn chuyn hng ha bng ng bin gp rt nhiu ri ro v mt khi tn tht xy ra, vic gim nh v bi thng tn tht l khng h d dng v n nh hng trc tip n quyn li ca hai bn ca hp ng bo him. Chnh v th, cc cng ty bo him v ngi c bo him cn phi c kin thc php lut v chuyn mn tht r rng, thc hin tt cc ngha v ca mnh cng nh c thi hp tc, thin ch trong vic bi thng tn tht. Vic cn thit hn na l cn phi c nhng bin php phng v hn ch tn tht gim thiu ti a nhng thit hi mang li cho c hai bn.

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TIU LUN BO HIM TRONG KINH DOANH

KT LUN
Bi tiu lun trn a ra mt ci nhn tng quan v cng tc gii quyt khiu ni v bi thng tn tht ti cc cng ty bo him ti Vit Nam. Thnh cng trong nghip v bo him hng hi l mt vn ht sc kh khn, i hi tnh chun xc trong cng tc gim nh, vic p dng cc quy tc, ngun lut iu chnh, nhng chng t cn thit v quy trnh nghim ngt. Tuy vy, cc cng ty bo him ti Vit Nam cng c nhng thnh cng ng k trong cng tc gii quyt khiu ni v bi thng tn tht. Bo him hng ha l mt th mnh ca cc cng ty ny, v nghip v bo him thn tu v trch nhim dn s ca ch tu ang dn c ch trng hn. Bi tiu lun cng c a ra mt s cc trng hp c th cn nhiu khc mc trong vic gii quyt khiu ni v bi thng tn tht mang n mt ci nhn tng qut hn v nghip v ny ti th trng bo him trong nc. Xu hng ton cu ha ang ngy cng r rt, i hi cc cng ty bo him Vit Nam cng cn khng ngng i mi p ng c nhu cu ca c khch hng trong nc v quc t, tip tc n lc xy dng thng hiu ca mnh trn trng quc t v mang li nhiu ting vang cho ngnh bo him Vit Nam.

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TIU LUN BO HIM TRONG KINH DOANH

TI LIU THAM KHO

1. Hong Vn Chu, 2002, Bo him trong kinh doanh, NXB Khoa hc v k thut. 2. Lut kinh doanh bo him s 24/2000/QH10 v Lut kinh doanh bo him sa i s 61/2010/QH12. 3. Nguyn Th Thu Hin, 2008, Cc loi hnh bo him hng hi Thc trng v gii php pht trin Vit Nam, i hc Ngoi Thng. 4. Tp ch th trng bo him ti bo him Vit Nam s 1 thng 2/2011, Tng cng ty c phn ti bo him quc gia Vit Nam, < http://vinare.com.vn/> 5. Trang thng tin kinh t, ti chnh v th trng chng khon InfoTV < http://www.infotv.vn/ngan-hang-tai-chinh/bao-hiem/39460-ty-le-boi-thuong-

bao-hiem-tang-dot-bien> truy cp ngy 6/10/2011 6. Din n Giao nhn v Vn ti Vit Nam <http://www.vietship.vn/showthread.php?t=5265> truy cp ngy 3/10/2011 <http://www.vietforward.com/ > 7. Trang thng tin php lut dn s < http://thongtinphapluatdansu.wordpress.com/2009/08/27/3695/> 8. Website ca mt s cng ty bo him < http://pvi.com.vn/vn/home.aspx> <http://www.pjico.com.vn/index.php?act=home> <http://www.baominh.com.vn/vn/default.aspx> <http://www.webbaohiem.net/trang-chu.html> 9. Website cng ty c phn gim nh Vit Nam Vinacontrol <http://www.vinacontrol.com.vn/News/NewDetail.aspx?NewsID=230&MenuId= 133 > truy cp ngy 2/10/2011

Ph lc 1: MU HP NG BO HIM
THE SOCIALIST REPUBLIC OF VIETNAM Independence Freedom Happiness

CARGO INSURANCE OPEN CONTRACT

No. Today ., we are: AAA ASSURANCE CORPORATION Address: Telephone: Account No: with Name of the bank Tax Code: Represented by Mr. AAA, Director Hereinafter referred to as the Insurer, and (THE NAME OF INSURED) Address: Telephone: Account No: with Name of the bank Tax Code: Represented by Mr. AAA, Director Hereinafter referred to as the Insured Subject to the following terms and conditions which the Insured and the Insurer hereby declared to have fully agreed upon. 1. INTEREST AND VOYAGE 1.1 Insured interest: 1.2 Sum insured: Facsimile: Facsimile:

1.3 Voyage: from to .. 1.4 Insured limit: .. any one shipment. In case of exceeding this limit, the Insured has to make a declaration prior loading time. 1.5 Means of transport: 2. TERMS, CONDITION AND PREMIUM RATES: 2.1 Terms, conditions: 2.2 Premium rates: 2.3 Warranties: 3. CONVEYANCE: 3.1 Conveyance has to be seaworthiness and has to be covered P&I risks 3.2 In case of bulk cargo, Insured should notify a carrying vessel to The Insurer prior loading for checking. 4. DELARATION CLAUSE 4.1 It is specially understood and agreed that the Insured shall make definite declaration of each and every shipment covered by this Open Policy without exception to The Insurer, advising all the requisite particulars of the shipment as follows: Insured Interest (packing, description, quantities, marks and number, L/C, number of trade contract and commercial invoice); Insured value and insured amount; Insured voyage (bill of lading); Name and date of sailing of carrying vessel or number and date of flight; Condition of insurance. 4.2 Against such declaration, The Insurer shall issue an Insurance Policy/Certificate which is necessary for the Insured to make a claim against The Insurer for any loss or damage happening to the insured interest. 4.3 This is however agreed that this Open Contract shall not be prejudiced by any omission of error and/or delay in making declaration, except for those intentionally or by gross negligence, provided prompt written notice be given to the Insurer as soon as the said omission, error and/or delay have become known to the Insured and subject to the adjustment of premium if and as required. This clause does not apply to any shipment which already arrives at unloading port. 4.4 All reasonable endorsement shall be accepted by The Insurer, provided that the Insured shall submit endorsement proposal or relevant

document, in which the Insured shall detailedly declare all changes or supplement in respect of this Open Policy. This clause does not apply to any shipment which already arrives at unloading port. 5. VALUATION CLAUSE The Insured Valued in VN Dong/US Dollar shall be based on 100% or 110% Invoice Value. 6. PAYMENT OF PREMIUM CLAUSE: 6.1 Premium shall be paid by the Insured to The Insurer immediately after receipt of the Policy/Certificate and invoice, at the latest, by the end of the month in which the above documents are received by the Insured. 6.2 The premium shall be paid by cheque or by cash in VN Dong or US Dollars. 7. COMMENTCEMENT AND TERMINATION OF INSURANCE Subject to the DURATION Clause of Condition provided as per Clause 2 of this Open Policy. 8. SURVEYING CLAUSE In the event of loss or damage claimable hereunder, immediate notice shall be given to The Insurer, the following company written in each policy shall be in charge of the survey and the settlement of the claim. A survey fee will be paid by The Insurer if loss of or damage is covered by this open policy. 9. CLAIM SETTLING CLAUSE In the event of loss of or damage to the insured interest covered under this Open Contract the Insured should send claim documents to Insurer as soon as possible. 9.1 Claim document for inland transit insurance: Original Certificate of Insurance Original of Contract of carriage, Bill of Lading or Waybill of Lading issued by the carrier Invoice together with specifications, weight/quantities notes Survey report showing the extents of the loss or damage Investigating report on casualty issued by the local authority Correspondence exchanged between the Assured and the carriers or other third parties regarding their liability for the loss or damage Claims statement 9.2 Claim document for importing & exporting cargo:

 Original Policy or Certificate of Insurance Original or certified copy of shipping invoices, together with shipping specification and/or weight notes. Original Bill of lading and/or other contract of carriage Survey report or other documentary evidence to show the extent of loss or damage Landing account and weight notes at port of discharge and final destination. Correspondence exchanged with the Carriers and other Parties regarding their liability for the loss or damage. Other documents as per request of the Underwriters Within 15 days of receiving full and legal claim documents, The Insurer must give a written notice to the Insured which must clearly show the loss of or damage to the insured interest will be Insurers liability or not. 10. ALTERATION CLAUSE 10.1 The Insurer reserves the right to alter and/or conditions and/or other items contained in this Open Contract by giving a thirty (30) days previous notice in writing to Insured. 10.2 Such alteration shall become affective on the expiry of thirty (30) days counting from midnight of the day in which such notice is given by the Insurer, but it shall not apply to any shipment by the vessel which shall have sailed from the port of loading (or by the aircraft which shall have taken off from the airport of loading) before such alteration become effective. 11. CANCELLATION CLAUSE The present Open Policy may be cancelled at any time by either party by giving the other thirty (30) days' notice in writing, but such cancellation shall not prejudice any risk or risks which shall have attached at the time such cancellation becomes effective In witness whereof, I the undersigned of AAA ASSURANCE CORPORATION, on behalf of the said Insurer, have subscribed my name on We, AAA Assurance Corporation and (THE NAME OF INSURER), hereby declare that this Open Contract have been issued to us with our full knowledge and consent and that shall be duly executed as prescribed and its terms faithfully complied with and in witness thereof, I the undersign have subscribed my name on

Ph lc 2 TH KHIU NI
LETTER OF CLAIM
To: Date: Our ref.: Dear Sirs, Description of the accident: ............................................................................................... Description of goods: ......................................................................................................... Claim for: ...............................(loss and damage) in the amount: USD ............................. Please be advised that we, AAA Assurance Corporation, are interested as underwriters in the (subject matter insured) covered by the above (.) and we have settled a claim with the assured who officially subrogate us to all their right and interests thereon. We are now filing claim agaist you for compensation thereof as under and enclosed herewith the supporting documents. Your prompt attention and payment will be appreciated. Faithfully yours, (the third party) 07/10/2011

______________________________________________________________________ CALCULATION:

Enclosures: Relevent documents

Ph lc 3 MU BIN BN GIM NH TN THT

SURVEY REPORT
No.................
THIS IS CERTIFYING that the following commodities have been duty inspect at the request of Messr:....................... Bill of Lading/Airway Bill no. ........................................ Issued at: ................................... (marks, Numbers, Quantities, weight and description of Goods) ......................................................................................... .................................................. Shipper per: ..................................................................... From: ........................................ Transhiped at: .................................................................. On : ........................................... Arrived at: ....................................................................... On: ............................................ 1. 1. Date of discharge of goods from vessel/ 1..................................................... plane ....................................................... 2. Date of discharge into from lighter 2..................................................... 3. Date goods delivered to place survey held 4. Date of application for survey 5. Date and place of survey 2. 1. Does B/L contain any reservation 2. Were goods shipped on deck. 3..................................................... 4..................................................... 5..................................................... 1..................................................... 2.....................................................

3. 1. Natural of packing (steate also wherether 1..................................................... new or secondhand and wherether customary ....................................................... and sufficient for such goods). 2. External condition of packing as per 2..................................................... summary of remarks made at discharging ....................................................... (state also kind of report approved by the ....................................................... carriers Rep.) 3. Condition of the outer and inner packing 3..................................................... at the time of survey. ....................................................... 4. State measure of loss prevention, if any, ....................................................... adopt at the port of discharge. .......................................................

5. Natural and cause of Loss and/or Damage. 6. Remarks.

....................................................... .......................................................

PARTICULAR OF LOSS AND/OR DAMAGE

****************** At the request of the consignee.........................................,we, surveyor from AAA did attend at the .................................for purpose of carrying out the survey on the said above damage cargo. The results were as follows:

Total amount of loss:..................................................................................................... Surveyee fee:...........................

THIS REPORT IS ISSUED WITHOUT PREJUDICE TO THE RIGHTS OF THE INSURERS AND SUBJECT TO THE TERMS, CONDITIONS AND AMOUNT OF THE POLICY OF INSURANCE.

Hochiminh city, on...........................

SURVEYOR

MARINE INSURANCE DIVISION GENERAL MANAGER