B TI CHNH CNG HA X HI CH NGHA VIT NAM

-------- c lp - T do - Hnh phc

---------------
S: 329/2016/TT-BTC H Ni, ngy 26 thng 12 nm 2016

THNG T
HNG DN THC HIN MT S IU CA NGH NH S 119/2015/N-CP NGY 13 THNG
11 NM 2015 CA CHNH PH QUY NH BO HIM BT BUC TRONG HOT NG U T
XY DNG
Cn c Lut Kinh doanh bo him s 24/2000/QH10;
Cn c Lut sa i, b sung mt s iu ca Lut Kinh doanh bo him s 61/2010/QH12;
Cn c Lut Xy dng s 50/2014/QH13;
Cn c Ngh nh s 215/2013/N-CP ngy 23 thng 12 nm 2013 ca Chnh ph quy nh chc
nng, nhim v, quyn hn v c cu t chc ca B Ti chnh;
Cn c Ngh nh s 119/2015/N-CP ngy 13 thng 11 nm 2015 ca Chnh ph quy nh bo him
bt buc trong hot ng u t xy dng;
Theo ngh ca Cc trng Cc Qun l, gim st bo him;
B trng B Ti chnh ban hnh Thng t hng dn thc hin mt s iu ca Ngh nh s
119/2015/N-CP ngy 13 thng 11 nm 2015 ca Chnh ph quy nh bo him bt buc trong hot
ng u t xy dng.
Chng I
QUY NH CHUNG
iu 1. Phm vi iu chnh
Thng t ny hng dn:
1. Quy tc, iu khon, biu ph bo him v ch ti chnh, ch bo co i vi bo him bt
buc trong hot ng u t xy dng bao gm: bo him cng trnh trong thi gian xy dng, bo
him trch nhim ngh nghip t vn u t xy dng, bo him i vi ngi lao ng thi cng trn
cng trng.
2. Vic trin khai bo him trch nhim dn s i vi bn th ba.
iu 2. i tng p dng
Thng t ny p dng i vi:
1. Ch u t xy dng, nh thu trong hot ng u t xy dng (trong trng hp ph bo him
cng trnh c tnh vo gi hp ng).
2. Nh thu t vn.
3. Nh thu thi cng xy dng.
4. Doanh nghip bo him phi nhn th, chi nhnh doanh nghip bo him phi nhn th nc ngoi
(sau y gi l doanh nghip bo him), doanh nghip ti bo him.
5. C quan, t chc, c nhn khc c lin quan n bo him bt buc trong hot ng u t xy
dng.
iu 3. Gii thch t ng
Trong Thng t ny, cc t ng sau y c hiu nh sau:
1. Bn giao l vic bn giao cng trnh xy dng quy nh ti iu 124 Lut xy dng.
2. Bn mua bo him l cc t chc, c nhn sau y:
a) Ch u t (i vi bo him cng trnh trong thi gian xy dng).
b) Nh thu t vn (i vi bo him trch nhim ngh nghip t vn u t xy dng).
c) Nh thu thi cng xy dng (i vi bo him i vi ngi lao ng thi cng trn cng trng).

1
3. Bn th ba (i vi bo him trch nhim ngh nghip t vn u t xy dng) l bn b thit hi
v thn th, tnh mng, ti sn c lin quan n vic thit k xy dng, kho st xy dng, tr doanh
nghip bo him, bn mua bo him, ngi c bo him.
4. Bnh ngh nghip l bnh c quy nh ti iu 143 B lut lao ng.
5. Ch u t l ch u t xy dng hoc nh thu trong hot ng u t xy dng (trong trng
hp ph bo him cng trnh c tnh vo gi hp ng).
6. Ch u t xy dng l c quan, t chc, c nhn s hu vn, vay vn hoc c giao trc tip
qun l, s dng vn thc hin hot ng u t xy dng cc cng trnh, hng mc cng trnh c
nh hng n an ton cng ng, cng trnh u t xy dng c nh hng ln n mi trng,
cng trnh c yu cu k thut c th, iu kin thi cng xy dng phc tp (tr cc cng trnh lin
quan n quc phng, an ninh v b mt nh nc) theo quy nh ti khon 1 iu 4 Ngh nh s
119/2015/N-CP ngy 13 thng 11 nm 2015 ca Chnh ph quy nh bo him bt buc trong hot
ng u t xy dng (sau y gi l Ngh nh s 119/2015/N-CP).
7. Cng trnh trong thi gian xy dng l cng trnh xy dng quy nh ti khon 10 iu 3 Lut xy
dng.
8. a vo s dng l vic a cng trnh xy dng vo vn hnh, khai thc.
9. Mc khu tr l s tin c nh hoc t l phn trm (%) ca s tin bi thng bo him m bn
mua bo him phi t chu trong mi s kin bo him, c th nh sau:
a) i vi bo him cng trnh trong thi gian xy dng: Mc khu tr quy nh ti tit c im 1 khon
I Ph lc 7 ban hnh km theo Thng t ny (i vi cng trnh quy nh ti im a khon 1 iu 15
Thng t ny) hoc tit c im 1 khon II Ph lc 7 ban hnh km theo Thng t ny (i vi cng
trnh quy nh ti im b khon 1 iu 15 Thng t ny).
b) i vi bo him trch nhim ngh nghip t vn u t xy dng: Mc khu tr quy nh ti im
b khon 1 Ph lc 8 ban hnh km theo Thng t ny.
10. Nh thu t vn l nh thu t vn kho st xy dng, nh thu t vn thit k xy dng ca
cng trnh xy dng t cp II tr ln.
11. Nh thu trong hot ng u t xy dng l t chc, c nhn c iu kin nng lc hot ng
xy dng, nng lc hnh ngh xy dng khi tham gia quan h hp ng trong hot ng u t xy
dng cc cng trnh, hng mc cng trnh quy nh ti khon 1 iu ny.
12. Ngi c bo him l cc t chc, c nhn sau y:
a) Ch u t xy dng, nh thu trong hot ng u t xy dng (nh thu chnh v nh thu ph),
cc t chc, c nhn khc c quyn v li ch lin quan n cng trnh trong thi gian xy dng (i
vi bo him cng trnh trong thi gian xy dng).
b) Nh thu t vn, cc t chc, c nhn khc tham gia vo cng vic kho st xy dng, thit k xy
dng ca nh thu t vn (i vi bo him trch nhim ngh nghip t vn u t xy dng).
c) Nh thu thi cng xy dng, bao gm nh thu chnh v nh thu ph (i vi bo him i vi
ngi lao ng thi cng trn cng trng).
13. Ngi lao ng l cc i tng c quy nh ti khon 1 iu 3 B lut lao ng.
14. Tai nn lao ng l tai nn c quy nh ti iu 142 B lut lao ng.
15. S c cng trnh xy dng l s c quy nh ti khon 34 iu 3 Lut xy dng.
iu 4. Quy tc, iu khon, biu ph bo him bt buc trong hot ng u t xy dng
1. Quy tc bo him l tp hp cc quy nh cu thnh cc iu khon bo him i vi bo him bt
buc trong hot ng u t xy dng c quy nh ti Thng t ny.
2. iu khon bo him l ni dung c th ca cc quy nh i vi bo him bt buc trong hot
ng u t xy dng, bao gm:
a) iu khon bo him cng trnh trong thi gian xy dng.
b) iu khon bo him trch nhim ngh nghip t vn u t xy dng.
c) iu khon bo him i vi ngi lao ng thi cng trn cng trng.
3. Biu ph bo him, ph ph bo him c quy nh nh sau:
a) i vi bo him cng trnh trong thi gian xy dng: Quy nh ti Ph lc 7 ban hnh km theo
Thng t ny.

2
b) i vi bo him trch nhim ngh nghip t vn u t xy dng: Quy nh ti Ph lc 8 ban
hnh km theo Thng t ny.
c) i vi bo him i vi ngi lao ng thi cng trn cng trng: Quy nh ti Ph lc 9 ban hnh
km theo Thng t ny.
4. Ngoi vic tham gia bo him bt buc trong hot ng u t xy dng theo iu khon bo him,
ph bo him, s tin bo him ti thiu quy nh ti Thng t ny, doanh nghip bo him v bn
mua bo him c th tha thun m rng iu khon bo him, s tin bo him cao hn v ph bo
him tng ng ti hp ng bo him ph hp vi quy nh ca php lut.
iu 5. Loi tr trch nhim bo him
1. Doanh nghip bo him khng c trch nhim bi thng cho cc tn tht sau:
a) Tn tht pht sinh t hnh vi c , nh:
- Tn tht pht sinh do bo lon, nh cng, hnh ng ca cc th lc th ch.
- Tn tht pht sinh t hnh vi c vi phm php lut ca bn mua bo him hoc ngi c bo
him (quy nh ny khng p dng i vi bo him cho ngi lao ng thi cng trn cng trng
trong trng hp ngi lao ng t v, cu ngi, cu ti sn hoc s dng cc cht kch thch
iu tr theo ch nh ca bc s).
- Tn tht pht sinh do li thit k ca nh thu t vn i vi cng trnh xy dng (quy nh ny ch
p dng i vi bo him cng trnh trong thi gian xy dng).
- Tn tht pht sinh do nh thu t vn c la chn phng php thi cng, tnh ton, o c, thit
k, s dng vt liu cha c th nghim, t vn s dng cc cht aming hoc cc nguyn liu c
cha cht aming (quy nh ny ch p dng i vi bo him trch nhim ngh nghip t vn u t
xy dng).
b) Tn tht khng mang tnh ngu nhin, nh:
- Tn tht do hin tng n mn, mi mn, xy ha, mc ra, kt to vy cng (nh han g, ng cn
hoc cc hin tng tng t khc), khuyt tt ca nguyn vt liu (quy nh ny ch p dng i vi
cc cng trnh xy dng quy nh ti im a khon 1 iu 15 Thng t ny).
- Tn tht do hin tng n mn, mi mn, xy ha, khuyt tt ca nguyn vt liu (quy nh ny ch
p dng i vi cc cng trnh xy dng quy nh ti im b khon 1 iu 15 Thng t ny).
c) Tn tht khng lng ha c bng tin, nh:
Cc tn tht i vi d liu, phn mm v cc chng trnh my tnh c nh thu t vn s dng
thc hin cng vic kho st xy dng, thit k xy dng (quy nh ny ch p dng i vi bo
him trch nhim ngh nghip t vn u t xy dng).
d) Tn tht mang tnh thm ha, nh:
- Tn tht pht sinh do chin tranh, hnh ng khng b, phn ng ht nhn, phng x ht nhn,
nhim phng x.
- Tn tht do vic t vn kho st xy dng, thit k xy dng dn n gy nhim, nhim bn i
vi mi trng v bn th ba (quy nh ny ch p dng i vi bo him trch nhim ngh nghip t
vn u t xy dng).
) Tn tht pht sinh trong trng hp bn mua bo him khng c quyn li c th c bo him
theo quy nh ti khon 9 iu 3 Lut Kinh doanh bo him.
2. Doanh nghip bo him c trch nhim tha thun vi bn mua bo him v ghi r ti hp ng
bo him cc trng hp loi tr trch nhim bo him theo hng dn ti khon 1 iu ny v cc
loi tr trch nhim bo him khc (nu c) thuc cc tn tht quy nh ti khon 2 iu 6 Ngh nh
s 119/2015/N-CP v ph hp vi quy nh php lut.
iu 6. Trnh t giao kt hp ng bo him
Vic giao kt hp ng bo him bt buc trong hot ng u t xy dng c thc hin theo trnh
t sau:
1. Bc 1: Bn mua bo him cung cp y thng tin cho doanh nghip bo him theo quy nh
sau:
a) in y thng tin vo Giy yu cu bo him theo mu quy nh nh sau:
- i vi bo him cng trnh trong thi gian xy dng: Mu quy nh ti Ph lc 1 ban hnh km theo
Thng t ny.

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- i vi bo him trch nhim ngh nghip t vn u t xy dng: Mu quy nh ti Ph lc 2 ban
hnh km theo Thng t ny.
- i vi bo him i vi ngi lao ng thi cng trn cng trng: Mu quy nh ti Ph lc 3 ban
hnh km theo Thng t ny.
b) Cung cp cho doanh nghip bo him cc ti liu lin quan nu trong Giy yu cu bo him (nu
c) theo yu cu ca doanh nghip bo him.
2. Bc 2: Cn c Giy yu cu bo him v cc ti liu lin quan (nu c), doanh nghip bo him
xem xt, nh gi ri ro trc khi quyt nh nhn bo him.
3. Bc 3: Doanh nghip bo him v bn mua bo him giao kt hp ng bo him, doanh nghip
bo him cp Giy chng nhn bo him cho bn mua bo him, c th:
a) Hp ng bo him phi m bo c y ni dung theo quy nh ti iu 13 Lut Kinh doanh
bo him.
b) Giy chng nhn bo him phi c cp theo mu quy nh ti Ph lc 4 (i vi bo him cng
trnh trong thi gian xy dng), Ph lc 5 (i vi bo him trch nhim ngh nghip t vn u t
xy dng), Ph lc 6 (i vi bo him i vi ngi lao ng thi cng trn cng trng) ban hnh
km theo Thng t ny.
iu 7. Chm dt hp ng bo him
1. Hp ng bo him chm dt trong cc trng hp sau:
a) Bn mua bo him khng ng ph bo him hoc khng ng ph bo him theo thi hn
thanh ton ph bo him tha thun ti hp ng bo him, nu doanh nghip bo him khng c
tha thun cho bn mua bo him n ph bo him theo quy nh ti khon 5 iu 15 (i vi bo
him cng trnh trong thi gian xy dng), khon 5 iu 22 (i vi bo him trch nhim ngh
nghip t vn u t xy dng), khon 5 iu 29 (i vi bo him i vi ngi lao ng thi cng
trn cng trng), khon 3 iu 34 (i vi bo him trch nhim dn s i vi bn th ba) Thng
t ny, hp ng bo him s t chm dt k t khi ht thi hn thanh ton ph bo him.
b) Bn mua bo him v doanh nghip bo him c tha thun ti hp ng bo him v vic hp
ng bo him chm dt trong trng hp tm dng thc hin cng vic trong hp ng xy dng
hoc chm dt hp ng xy dng theo quy nh ca php lut.
Trong trng hp ny, thi im chm dt hp ng bo him cn c vo thi im tm dng thc
hin cng vic trong hp ng xy dng hoc chm dt hp ng xy dng theo quy nh ca php
lut.
Bn mua bo him phi thng bo cho doanh nghip bo him trong thi hn nm (05) ngy k t
ngy nhn c thng bo v vic tm dng thc hin cng vic trong hp ng xy dng hoc
chm dt hp ng xy dng theo quy nh ca php lut.
c) Cc trng hp chm dt khc theo quy nh ca php lut.
2. Hu qu php l ca vic chm dt hp ng bo him
a) Trng hp hp ng bo him chm dt theo quy nh ti im a khon 1 iu ny, bn mua bo
him phi ng ph bo him n thi im chm dt hp ng bo him.
b) Trng hp hp ng bo him chm dt theo quy nh ti im b khon 1 iu ny, trong thi
hn mi lm (15) ngy k t ngy chm dt hp ng bo him, doanh nghip bo him phi hon
li cho bn mua bo him phn ph bo him m bn mua bo him ng tha (nu c) tng
ng vi thi gian cn li ca hp ng bo him sau khi tr i cc chi ph hp l c lin quan n
hp ng bo him. Trng hp bn mua bo him ng ph bo him thiu (tng ng vi thi gian
c bo him tnh n thi im chm dt hp ng bo him), bn mua bo him phi ng b
sung phn ph bo him cn thiu.
c) Hu qu php l ca vic chm dt hp ng bo him theo quy nh ti im c khon 1 iu ny
thc hin theo quy nh php lut c lin quan.
iu 8. Quyn v ngha v ca doanh nghip bo him
1. Quyn ca doanh nghip bo him
a) T chi bn bo him bt buc trong hot ng u t xy dng cho cc i tng quy nh ti
khon 1, khon 2, khon 3 iu 2 Thng t ny nu cc i tng khng p ng iu kin nng
lc hot ng u t xy dng quy nh ti Lut Xy dng v cc quy nh ca php lut c lin
quan.

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b) Yu cu bn mua bo him cung cp y , trung thc thng tin lin quan n vic giao kt v
thc hin hp ng bo him.
c) nh gi ri ro c bo him.
d) Thu ph bo him y theo thi hn v phng thc tho thun trong hp ng bo him;
iu chnh ph bo him trong trng hp c s thay i ri ro c bo him theo quy nh ti iu
20 Lut Kinh doanh bo him.
) Yu cu bn mua bo him: p dng cc bin php phng, hn ch tn tht theo quy nh ca
php lut; chp hnh nghim chnh cc quy nh ca php lut v an ton lao ng.
e) Yu cu ngi th ba bi hon s tin m doanh nghip bo him bi thng cho ngi c
bo him theo quy nh ca php lut trong trng hp ngi th ba c li gy thit hi cho ngi
c bo him.
g) Cc quyn khc theo quy nh ca php lut.
2. Ngha v ca doanh nghip bo him
a) Bn bo him bt buc trong hot ng u t xy dng theo quy nh ti Ngh nh s
119/2015/N-CP, Thng t ny v cc quy nh ca php lut c lin quan.
b) Gii thch, cung cp cc thng tin, ti liu lin quan n vic giao kt v thc hin hp ng bo
him.
c) Tr tin bi thng bo him y , kp thi cho ngi c bo him theo tha thun trong hp
ng bo him v quy nh ca php lut c lin quan khi xy ra s kin bo him.
d) Thc hin ch ti chnh theo quy nh ti iu 35 Thng t ny.
) Thc hin ch bo co theo quy nh ti iu 36 Thng t ny.
e) Phi hp vi cc c quan chc nng trong qu trnh thc hin ch bo him bt buc trong
hot ng u t xy dng.
g) Thc hin cc ngha v theo quy nh ti Thng t ny v cc ngha v khc theo quy nh php
lut.
iu 9. Quyn v ngha v ca bn mua bo him
1. Quyn ca bn mua bo him
a) La chn mua bo him ti bt k doanh nghip bo him no iu kin trin khai bo him bt
buc trong hot ng u t xy dng theo quy nh ti iu 7 Ngh nh s 119/2015/N-CP.
b) Yu cu doanh nghip bo him gii thch cc iu kin, iu khon bo him; cung cp cc thng
tin, ti liu (nu c) lin quan n vic giao kt v thc hin hp ng bo him.
c) Yu cu doanh nghip bo him bi thng cho ngi c bo him theo tha thun trong hp
ng bo him khi xy ra s kin bo him.
d) Cc quyn khc theo quy nh ca php lut.
2. Ngha v ca bn mua bo him
a) Tham gia bo him bt buc trong hot ng u t xy dng theo quy nh ti Thng t ny v
cc quy nh ca php lut c lin quan.
b) Thc hin y ngha v cung cp thng tin cho doanh nghip bo him, khai bo v tr li y
, chnh xc cc cu hi ghi trong Giy yu cu bo him. Cung cp cho doanh nghip bo him cc
thng tin cn thit, to iu kin doanh nghip bo him nh gi ri ro c bo him.
c) ng ph bo him y , theo thi hn v phng thc tho thun trong hp ng bo him.
d) Thng bo cho doanh nghip bo him nhng trng hp c th lm tng ri ro hoc pht sinh
thm trch nhim ca doanh nghip bo him trong qu trnh thc hin hp ng bo him.
) p dng cc bin php phng, hn ch tn tht theo quy nh ca php lut; thc hin cc kin
ngh hp l ca doanh nghip bo him v nh thu t vn.
e) Thc hin mi bin php an ton cn thit, chp hnh nghim chnh cc quy nh ca php lut v
an ton lao ng.
g) Chuyn quyn yu cu ngi th ba bi hon cho doanh nghip bo him i vi khon tin m
ngi c bo him nhn bi thng t doanh nghip bo him trong trng hp ngi th ba
c li gy thit hi cho ngi c bo him v doanh nghip bo him tr tin bi thng bo
him cho ngi c bo him theo quy nh ca php lut.
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h) Phi hp vi cc c quan chc nng trong qu trnh thc hin bo him bt buc trong hot ng
u t xy dng.
i) Thc hin cc ngha v theo quy nh ti Thng t ny v cc ngha v khc theo quy nh php
lut.
iu 10. Gii quyt tranh chp
1. Tranh chp gia doanh nghip bo him v bn mua bo him pht sinh t hp ng bo him bt
buc trong hot ng u t xy dng trc ht c gii quyt trn c s thng lng. Nu hai
bn khng gii quyt c bng thng lng, tranh chp s c a ra trng ti (nu hai bn c
tha thun ti hp ng bo him) hoc ta n theo quy nh ca php lut Vit Nam.
2. Thi hiu khi kin cc tranh chp lin quan n hp ng bo him bt buc trong hot ng u
t xy dng l ba (03) nm, k t thi im pht sinh tranh chp.
Chng II
QUY NH C TH
Mc 1. BO HIM CNG TRNH TRONG THI GIAN XY DNG
iu 11. i tng bo him v s tin bo him ti thiu
1. i tng bo him cng trnh trong thi gian xy dng l cng trnh, hng mc cng trnh quy
nh ti khon 1 iu 4 Ngh nh s 119/2015/N-CP.
2. S tin bo him ti thiu i vi cng trnh trong thi gian xy dng theo quy nh ti khon 1 iu
ny l gi tr y ca cng trnh khi hon thnh, bao gm ton b vt liu, chi ph nhn cng, thit
b lp t vo cng trnh, cc ph vn chuyn, cc loi thu, ph khc v cc hng mc khc do ch
u t cung cp. S tin bo him ti thiu i vi cng trnh trong thi gian xy dng khng c
thp hn tng gi tr hp ng xy dng, k c gi tr iu chnh, b sung (nu c).
iu 12. Phm vi bo him
Doanh nghip bo him thc hin trch nhim bi thng cho cc tn tht ca cng trnh trong thi
gian xy dng pht sinh t mi ri ro, tr cc tn tht quy nh ti iu 5 Thng t ny.
iu 13. Thi hn bo him
Thi hn bo him cng trnh trong thi gian xy dng thc hin theo quy nh ti khon 1 iu 5
Ngh nh s 119/2015/N-CP, c th nh sau:
1. i vi cng trnh xy dng quy nh ti im a khon 1 iu 15 Thng t ny: Thi hn bo him
c ghi trong hp ng bo him, tnh t ngy bt u n ngy kt thc thi gian xy dng cn c
vo vn bn ca cp c thm quyn quyt nh u t bao gm c iu chnh, b sung (nu c). Thi
hn bo him i vi nhng b phn, hng mc cng trnh c bn giao hoc a vo s dng
s chm dt k t thi im cc b phn, hng mc c bn giao hoc c a vo s dng.
2. i vi cng trnh xy dng quy nh ti im b khon 1 iu 15 Thng t ny: Thi hn bo him
c ghi trong hp ng bo him, tnh t ngy bt u thi gian xy dng cn c vo vn bn ca
cp c thm quyn quyt nh u t (bao gm c iu chnh, b sung nu c) cho ti khi bn giao
cng trnh hoc sau khi hon tt ln chy th c ti u tin, ty theo thi im no n trc, nhng
khng qu hai mi tm (28) ngy k t ngy bt u chy th. Thi hn bo him i vi cc thit
b qua s dng lp t vo cng trnh s chm dt k t thi im cc thit b bt u c
chy th.
iu 14. Trch nhim mua bo him
Ch u t phi mua bo him cho ton b cng trnh hoc cho tng hng mc ca cng trnh trong
thi gian xy dng. Cc trng hp c th nh sau:
1. Trng hp mua bo him cho ton b cng trnh trong thi gian xy dng, ch u t phi mua
bo him vi s tin bo him ti thiu theo quy nh ti khon 2 iu 11 Thng t ny.
2. Trng hp mua bo him theo tng hng mc cng trnh trong thi gian xy dng, ch u t
phi mua bo him vi s tin bo him ca tng hng mc cng trnh khng thp hn gi tr y
ca hng mc cng trnh khi hon thnh v tng s tin bo him ca cc hng mc cng trnh
trong thi gian xy dng khng thp hn s tin bo him ti thiu theo quy nh ti khon 2 iu 11
Thng t ny.
iu 15. Ph bo him v thanh ton ph bo him
1. Ph bo him cng trnh trong thi gian xy dng c xc nh theo Ph lc 7 ban hnh km theo
Thng t ny, c th nh sau:
6
a) i vi cng trnh xy dng c bo him c gi tr di by trm (700) t ng, khng bao gm
phn cng vic lp t hoc c bao gm phn cng vic lp t nhng chi ph thc hin phn cng
vic lp t thp hn nm mi phn trm (50%) tng gi tr hng mc cng trnh xy dng c bo
him: Ph bo him c xc nh theo im 1 khon I Ph lc 7 ban hnh km theo Thng t ny.
b) i vi cng trnh xy dng c bo him c gi tr di by trm (700) t ng, c bao gm
cng vic lp t v chi ph thc hin phn cng vic lp t chim t nm mi phn trm (50%) tr
ln tng gi tr hng mc cng trnh xy dng c bo him: Ph bo him c xc nh theo im
1 khon II Ph lc 7 ban hnh km theo Thng t ny.
c) i vi cc cng trnh xy dng cha c quy nh ti im 1 khon I v im 1 khon II Ph lc
7 ban hnh km theo Thng t ny hoc cng trnh xy dng c gi tr t by trm (700) t ng tr
ln, doanh nghip bo him v bn mua bo him c th tha thun quy tc, iu khon, ph bo
him v mc khu tr trn c s bng chng chng minh doanh nghip ng u nhn ti bo him
xc nhn nhn ti bo him theo ng quy tc, iu khon, ph bo him v mc khu tr m doanh
nghip bo him cung cp cho bn mua bo him. Doanh nghip nhn ti bo him nc ngoi, t
chc nhn ti bo him nc ngoi phi c xp hng ti thiu BBB theo Standard & Poors, B+
+ theo A.M.Best hoc cc kt qu xp hng tng ng ca cc t chc c chc nng, kinh
nghim xp hng khc trong nm ti chnh gn nht nm nhn ti bo him.
2. Cn c vo mc ri ro ca i tng c bo him, doanh nghip bo him c iu chnh
tng ph bo him ti a 25% tnh trn ph bo him quy nh ti tit a im 1 khon I Ph lc 7 ban
hnh km theo Thng t ny (i vi cng trnh quy nh ti im a khon 1 iu ny) hoc tit a
im 1 khon II Ph lc 7 ban hnh km theo Thng t ny (i vi cng trnh quy nh ti im b
khon 1 iu ny).
3. Trng hp thi gian xy dng cng trnh b ko di so vi thi gian quy nh ti vn bn ca cp
c thm quyn quyt nh u t khi giao kt hp ng bo him, bn mua bo him v doanh
nghip bo him c th tha thun ph bo him b sung p dng cho khong thi gian b ko di.
Ph bo him b sung (nu c) c tnh cn c vo ph bo him quy nh ti Ph lc s 7 ban hnh
km theo Thng t ny, t l thi gian xy dng ko di trn tng thi gian xy dng cng trnh theo
vn bn ca cp c thm quyn quyt nh u t khi giao kt hp ng bo him v cc yu t ri ro
khc.
4. Thi hn thanh ton ph bo him cng trnh trong thi gian xy dng phi c ghi trong hp
ng bo him, c th nh sau:
a) Trng hp ng ph bo him mt ln: Thi hn thanh ton ph bo him (tm tnh) khng vt
qu ba mi (30) ngy k t ngy hp ng bo him c hiu lc v khng chm hn ba mi (30)
ngy k t ngy bt u thi hn bo him theo hp ng bo him. Trng hp thi hn bo him
di ba mi (30) ngy, thi hn thanh ton ph bo him khng vt qu thi hn bo him. Tng
s ph bo him (tm tnh) c xc nh cn c vo d ton cng trnh xy dng (phn phi mua
bo him bt buc) c cp c thm quyn ph duyt, bao gm c gi tr iu chnh, b sung (nu
c). Vic quyt ton ph bo him thc hin theo quy nh ti khon 6 iu ny.
b) Trng hp ng ph bo him theo k:
Trn c s d ton gi tr cng trnh xy dng (c cp c thm quyn ph duyt) khi giao kt hp
ng bo him, bn mua bo him v doanh nghip bo him tha thun bng vn bn cc k thanh
ton ph bo him nh sau:
- K thanh ton u tin: Thanh ton ti thiu 10% tng s ph bo him (tm tnh) i vi cc hng
mc cng trnh xy dng c bo him theo hp ng bo him. Tng s ph bo him (tm tnh)
c xc nh cn c vo d ton cng trnh xy dng (phn phi mua bo him bt buc) c cp
c thm quyn ph duyt. Thi hn thanh ton ph bo him khng vt qu ba mi (30) ngy k t
ngy hp ng bo him c hiu lc v khng chm hn ba mi (30) ngy k t ngy bt u thi
hn bo him theo hp ng bo him.
- Cc k thanh ton tip theo: S tin thanh ton, tin thanh ton ph bo him ca tng k thanh
ton tip theo c thc hin theo tha thun gia doanh nghip bo him v bn mua bo him
nhng khng chm hn tin thanh ton ca hp ng xy dng i vi cng trnh xy dng (phn
phi mua bo him bt buc) theo quy nh ca php lut.
- K thanh ton cui cng: Thi hn thanh ton ph bo him trc mi lm (15) ngy tnh n ngy
kt thc thi hn bo him.
- Vic quyt ton ph bo him thc hin theo quy nh ti khon 6 iu ny.
5. Doanh nghip bo him c th tha thun cho bn mua bo him n ph bo him. Vic n ph bo
him phi c tha thun bng vn bn v ch c p dng khi bn mua bo him c ti sn bo
m hoc bo lnh thanh ton ph bo him theo quy nh ca php lut.
7
6. Vic quyt ton ph bo him phi cn c vo gi tr quyt ton hp ng xy dng (phn phi mua
bo him bt buc), c th nh sau:
a) Trng hp gi tr quyt ton hp ng xy dng (phn phi mua bo him bt buc) tng so vi
gi tr d ton c cp c thm quyn ph duyt khi giao kt hp ng bo him, ph bo him
c iu chnh tng tng ng. Bn mua bo him c trch nhim thanh ton s ph bo him cn
thiu cho doanh nghip bo him trong thi hn ba mi (30) ngy k t ngy c vn bn ph duyt
gi tr quyt ton hp ng xy dng ca cp c thm quyn.
b) Trng hp gi tr quyt ton hp ng xy dng (phn phi mua bo him bt buc) gim so vi
gi tr d ton c cp c thm quyn ph duyt, ph bo him c iu chnh gim tng ng.
Doanh nghip bo him phi tr cho bn mua bo him phn ph bo him thanh ton tha trong
thi hn ba mi (30) ngy k t ngy doanh nghip bo him nhn c vn bn ph duyt gi tr
quyt ton cng trnh xy dng ca cp c thm quyn do bn mua bo him gi. Bn mua bo him
c trch nhim thu hi phn ph bo him gim ny t doanh nghip bo him. Trng hp bn mua
bo him l nh thu trong hot ng u t xy dng v ph bo him cng trnh c tnh vo
gi hp ng, nh thu trong hot ng u t xy dng phi tr li cho ch u t xy dng s ph
bo him thu hi t doanh nghip bo him.
iu 16. Gim nh tn tht
1. Vic gim nh tn tht thc hin theo quy nh ti iu 48 Lut Kinh doanh bo him. C quan
gim nh chu trch nhim v kt qu gim nh ca mnh.
2. Vic gim nh tn tht phi bo m trung thc, khch quan, khoa hc, kp thi, chnh xc.
3. Kt qu gim nh tn tht phi c th hin trong bin bn gim nh.
iu 17. Nguyn tc bi thng bo him
1. Khi xy ra s c cng trnh xy dng, bn mua bo him v doanh nghip bo him phi phi hp
gii quyt bi thng bo him nh sau:
a) i vi bn mua bo him:
- Lp tc thng bo ngay cho doanh nghip bo him bng cc phng tin thng tin lin lc, sau
trong thi hn mi bn (14) ngy k t ngy xy ra s c cng trnh xy dng phi thng bo bng
vn bn cho doanh nghip bo him theo mu quy nh ti Ph lc s 10 ban hnh km theo Thng
t ny.
- Sau khi thng bo cho doanh nghip bo him, bn mua bo him c th tin hnh sa cha hay
thay th cc h hng nh c gi tr khng vt qu mc khu tr tng ng quy nh ti tit c im 1
khon I Ph lc 7 ban hnh km theo Thng t ny (i vi cng trnh quy nh ti im a khon 1
iu 15 Thng t ny) hoc tit c im 1 khon II Ph lc 7 ban hnh km theo Thng t ny (i vi
cng trnh quy nh ti im b khon 1 iu 15 Thng t ny).
Trong cc trng hp khc, trc khi thc hin sa cha hay thay th, bn mua bo him phi c
doanh nghip bo him gim nh tn tht. Nu doanh nghip bo him khng tin hnh gim nh
tn tht trong thi hn nm (05) ngy k t ngy nhn c thng bo s c cng trnh xy dng,
ngi c bo him c quyn tin hnh vic sa cha hay thay th. Doanh nghip bo him s tr
chi ph sa cha hay thay th cc hng mc b tn tht thuc trch nhim bo him vi iu kin bn
mua bo him phi tin hnh sa cha hay thay th kp thi.
- Bo qun cc b phn b tn tht v sn sng cho i din hay gim nh vin ca doanh nghip
bo him gim nh cc b phn .
- Thng bo ngay cho c quan cng an trong trng hp tn tht do trm cp.
- Thc hin mi bin php trong phm vi kh nng ca mnh hn ch tn tht mc thp nht.
- Cung cp cc ti liu trong h s bi thng theo quy nh ti khon 1, khon 2, khon 3, khon 4
v khon 6 iu 18 Thng t ny v to iu kin cho doanh nghip bo him trong qu trnh xc
minh cc ti liu .
- Thc hin, phi hp, cho php doanh nghip bo him thc hin cc hnh ng v bin php cn
thit hoc theo yu cu ca doanh nghip bo him nhm bo v quyn li m doanh nghip bo
him c hng sau khi bi thng thit hi thuc trch nhim bo him theo quy nh ti Thng t
ny.
b) i vi doanh nghip bo him:
- Thc hin gim nh tn tht theo quy nh ti iu 16 Thng t ny.

8
- Hng dn, phi hp vi bn mua bo him v cc c quan, t chc, c nhn c lin quan thu thp
y cc ti liu lp h s bi thng.
- Lp ti liu theo quy nh ti khon 5 iu 18 Thng t ny.
- Trng hp chp nhn bi thng bo him, doanh nghip bo him phi c vn bn thng bo bi
thng bo him.
- Trng hp t chi bi thng bo him, doanh nghip bo him phi c vn bn gii thch l do.
2. Doanh nghip bo him ch bi thng bo him cc khon thit hi vt cht m ngi c bo
him thc t phi gnh chu v khi cc khon c tnh vo s tin bo him.
3. Mc bi thng i vi tng hng mc ti sn ghi trong hp ng bo him khng vt qu s
tin bo him ca hng mc ti sn . Tng s tin bi thng bo him khng vt qu tng s
tin bo him quy nh trong hp ng bo him. Cc trng hp c th nh sau:
a) i vi trng hp tn tht c th sa cha c th phi sa cha, s tin bi thng l chi ph
cn thit phc hi cc hng mc b tn tht tr li trng thi nh trc khi xy ra tn tht sau khi
tr i phn gi tr thu hi (trng hp bn mua bo him thu hi ti sn b tn tht) v mc khu tr.
b) i vi trng hp tn tht ton b, s tin bi thng bo him l gi tr th trng ca hng mc
ti thi im, ni xy ra tn tht v mc thit hi thc t tr i mc khu tr. Trng hp bn
mua bo him thu hi ti sn b tn tht, s tin bi thng bo him l gi tr thc t ca hng mc
ti thi im, ni xy ra tn tht tr i mc khu tr v gi tr thu hi ti sn b tn tht.
4. Chi ph sa cha tm thi s do doanh nghip bo him chu nu nh vic sa cha l mt b
phn cu thnh ca vic sa cha chnh thc v khng lm tng tng chi ph sa cha theo phng
n sa cha cui cng ca hng mc b tn tht.
5. Doanh nghip bo him khng c trch nhim bi thng mi chi ph nhm ci hon, b sung,
nng cp cc hng mc c bo him.
6. Nu bn mua bo him giao kt hp ng bo him cng trnh trong thi gian xy dng vi hai
(02) doanh nghip bo him tr ln bo him cho cng mt i tng vi cng iu kin v s
kin bo him th mi doanh nghip bo him ch chu trch nhim bi thng theo t l gia s tin
bo him tha thun trn tng s tin bo him ca tt c cc hp ng bo him m bn mua
bo him giao kt. Tng s tin bi thng ca cc doanh nghip bo him khng vt qu gi tr
thit hi thc t ca ti sn.
7. Doanh nghip bo him khng chu trch nhim bi thng i vi nhng khon tin pht sinh,
tng thm do hnh vi gian ln bo him theo quy nh ti B lut hnh s.
iu 18. H s bi thng bo him
Doanh nghip bo him c trch nhim phi hp vi bn mua bo him, ngi c bo him, cc
c quan, t chc c lin quan thu thp cc ti liu c lin quan lp h s bi thng. H s bi
thng bo him cng trnh trong thi gian xy dng bao gm cc ti liu sau:
1. Thng bo s c cng trnh xy dng v yu cu bi thng do bn mua bo him lp theo mu
quy nh ti Ph lc 10 ban hnh km theo Thng t ny.
2. Ti liu lin quan n i tng bo him, bao gm: Hp ng bo him, Giy chng nhn bo
him.
3. Ti liu chng minh thit hi v ti sn, bao gm:
a) H s s c cng trnh xy dng (bn sao cng chng hoc bn sao c xc nhn ca bn lp h
s) theo quy nh ti iu 50 Ngh nh s 46/2015/N-CP ngy 12/5/2015 ca Chnh ph v qun l
cht lng v bo tr cng trnh xy dng v cc vn bn sa i, b sung, thay th (nu c).
b) Ha n, chng t hp l trong trng hp sa cha, thay mi ti sn.
4. Cc giy t chng minh chi ph cn thit v hp l m bn mua bo him chi ra hn ch tn
tht mc thp nht hay thc hin theo ch dn ca doanh nghip bo him.
5. Bin bn gim nh nguyn nhn v mc thit hi do doanh nghip bo him hoc ngi c
doanh nghip bo him y quyn lp.
6. Cc ti liu khc c lin quan (nu c).
Mc 2. BO HIM TRCH NHIM NGH NGHIP T VN U T XY DNG
iu 19. i tng bo him v s tin bo him ti thiu

9
1. i tng bo him trch nhim ngh nghip t vn u t xy dng l trch nhim dn s ca
nh thu t vn u t xy dng i vi bn th ba pht sinh t vic thc hin cng vic kho st
xy dng, thit k xy dng cng trnh xy dng t cp II tr ln.
2. S tin bo him ti thiu bng gi tr hp ng t vn kho st xy dng, hp ng t vn thit k
xy dng.
iu 20. Phm vi bo him
Doanh nghip bo him s bi thng cho nh thu t vn nhng khon tin m nh thu t vn c
trch nhim bi thng cho cc tn tht ca bn th ba pht sinh t vic thc hin cng vic t vn
u t xy dng v cc chi ph c lin quan theo quy nh ca php lut, tr cc tn tht quy nh ti
iu 5 Thng t ny.
iu 21. Thi hn bo him
Thi hn bo him trch nhim ngh nghip t vn u t xy dng bt u k t ngy thc hin
cng vic t vn n ht thi gian bo hnh cng trnh theo quy nh php lut.
iu 22. Ph bo him v thanh ton ph bo him
1. Ph bo him trch nhim ngh nghip t vn kho st xy dng, thit k xy dng c xc nh
theo Ph lc 8 ban hnh km theo Thng t ny, c th nh sau:
a) i vi cng trnh xy dng c gi tr di mt nghn (1.000) t ng v khng thuc cc loi cng
trnh xy dng , p, cng, bn cng, cu cng, bn tu, p chn sng v cc cng trnh thy li;
cc cng trnh xy dng sn bay, my bay, v tinh, khng gian; cc cng trnh sa cha v ng tu;
cc cng trnh xy dng nng lng trn bin v di nc; cc d n xe la, xe in, tu tc hnh
v d n ngm di t, hm m: Ph bo him v mc khu tr quy nh ti khon 1 Ph lc 8 ban
hnh km theo Thng t ny.
b) i vi cng trnh xy dng khng quy nh ti im a khon 1 iu ny: doanh nghip bo him
v bn mua bo him c th tha thun quy tc, iu khon, ph bo him v mc khu tr trn c
s bng chng chng minh doanh nghip ng u nhn ti bo him xc nhn nhn ti bo him
theo ng quy tc, iu khon, ph bo him v mc khu tr m doanh nghip bo him cung cp
cho bn mua bo him. Doanh nghip nhn ti bo him nc ngoi, t chc nhn ti bo him nc
ngoi phi c xp hng ti thiu BBB theo Standard & Poors, B++ theo A.M.Best hoc cc kt
qu xp hng tng ng ca cc t chc c chc nng, kinh nghim xp hng khc trong nm ti
chnh gn nht nm nhn ti bo him.
2. Cn c vo mc ri ro ca i tng c bo him, doanh nghip bo him c iu chnh
tng ph bo him ti a 25% tnh trn ph bo him quy nh ti im a khon 1 Ph lc 8 ban hnh
km theo Thng t ny.
3. Trng hp thi gian xy dng cng trnh b ko di so vi thi gian quy nh ti vn bn ca cp
c thm quyn quyt nh u t khi giao kt hp ng bo him, bn mua bo him v doanh
nghip bo him phi tha thun v ph bo him b sung p dng cho khong thi gian b ko di.
Ph bo him b sung c tnh cn c vo ph bo him quy nh ti im a khon 1 Ph lc 8 ban
hnh km theo Thng t ny v tng ng vi thi gian thc hin cng vic t vn ko di.
4. Vic thanh ton ph bo him trch nhim ngh nghip t vn u t xy dng (tm tnh) do bn
mua bo him v doanh nghip bo him tha thun v phi c ghi ti hp ng bo him. Cc
trng hp c th nh sau:
a) Trng hp ng ph bo him mt ln: Thi hn thanh ton ph bo him (tm tnh) khng vt
qu ba mi (30) ngy k t ngy hp ng bo him c hiu lc v khng chm hn ba mi (30)
ngy k t ngy bt u thi hn bo him theo hp ng bo him. Trng hp thi hn bo him
di ba mi (30) ngy, thi hn thanh ton ph bo him khng vt qu thi hn bo him. Tng
s ph bo him (tm tnh) c xc nh cn c vo d ton gi tr hp ng t vn c cp c
thm quyn ph duyt, bao gm c gi tr iu chnh, b sung (nu c). Vic quyt ton ph bo him
thc hin theo quy nh ti khon 6 iu ny.
b) Trng hp ng ph bo him theo k:
Trn c s d ton gi tr hp ng t vn kho st xy dng, thit k xy dng (c cp c thm
quyn ph duyt) khi giao kt hp ng bo him, bn mua bo him v doanh nghip bo him tha
thun bng vn bn cc k thanh ton ph bo him theo quy nh sau:
- K thanh ton ph bo him u tin: Thanh ton 50% tng ph bo him (tm tnh) trong thi hn ba
mi (30) ngy k t ngy hp ng bo him c hiu lc v khng chm hn ba mi (30) ngy k
t ngy bt u thi hn bo him theo hp ng bo him. Cc k thanh ton ph bo him tip theo
c thc hin theo tha thun gia doanh nghip bo him v bn mua bo him ti hp ng bo

10
him giao kt ban u. Trong mi trng hp, thi hn thanh ton ph bo him khng vt qu
thi hn bo him theo hp ng bo him.
- Vic quyt ton ph bo him thc hin theo quy nh ti khon 6 iu ny.
5. Doanh nghip bo him c th tha thun cho bn mua bo him n ph bo him. Vic n ph bo
him phi c quy nh trong hp ng bo him ch c p dng khi bn mua bo him c ti sn
bo m hoc bo lnh thanh ton ph bo him theo quy nh ca php lut.
6. Vic quyt ton ph bo him phi cn c vo gi tr quyt ton hp ng t vn kho st xy
dng, thit k xy dng, c th nh sau:
a) Trng hp gi tr quyt ton hp ng t vn kho st xy dng, thit k xy dng tng so vi
gi tr d ton c cp c thm quyn ph duyt khi giao kt hp ng bo him, ph bo him
c iu chnh tng tng ng. Bn mua bo him c trch nhim thanh ton s ph bo him cn
thiu cho doanh nghip bo him trong thi hn ba mi (30) ngy k t ngy c vn bn ph duyt
gi tr quyt ton ca cp c thm quyn.
b) Trng hp gi tr quyt ton hp ng t vn kho st xy dng, thit k xy dng gim so vi
gi tr d ton c cp c thm quyn ph duyt khi giao kt hp ng bo him, ph bo him
c iu chnh gim tng ng. Doanh nghip bo him phi tr cho bn mua bo him phn ph
bo him thanh ton tha trong thi hn ba mi (30) ngy k t ngy doanh nghip bo him
nhn c vn bn ph duyt gi tr quyt ton ca cp c thm quyn do bn mua bo him gi.
iu 23. Trch nhim mua bo him
Bn mua bo him phi mua bo him bt buc trch nhim ngh nghip t vn u t xy dng
trc khi thc hin cng vic t vn u t xy dng.
iu 24. Nguyn tc bi thng bo him
1. Doanh nghip bo him bi thng cho nh thu t vn nhng khon tin m nh thu t vn c
trch nhim bi thng cho cc tn tht ca bn th ba v cc chi ph c lin quan theo quy nh ca
php lut, c th nh sau:
a) Tn tht ca bn th ba v cc chi ph c lin quan pht sinh do hnh ng s sut, bt cn ca
ngi c bo him trong qu trnh thc hin cng vic kho st xy dng, thit k xy dng thuc
phm vi bo him.
b) Yu cu i bi thng ca bn th ba ln u tin c a ra (t mt s kin bo him) i vi
ngi c bo him v c bn mua bo him thng bo cho doanh nghip bo him trong thi
hn bo him, bao gm c cc chi ph phi tr cho lut s do doanh nghip bo him ch nh hoc
do ngi c bo him ch nh (c s ng bng vn bn ca doanh nghip bo him), cc
khon l ph, chi ph khc pht sinh t vic iu tra, chnh l, bo cha lin quan n s kin bo
him nhng khng bao gm tin lng tr cho ngi lao ng hoc ngi qun l k kt hp ng
lao ng vi ngi c bo him.
c) Cc chi ph khc c lin quan theo quy nh ca php lut.
2. Tng mc trch nhim ca doanh nghip bo him i vi tt c cc yu cu i bi thng trong
sut thi hn bo him khng vt qu s tin bo him theo tha thun ti hp ng bo him.
3. Trng hp bn mua bo him giao kt hp ng bo him trch nhim ngh nghip t vn u t
xy dng vi hai (02) doanh nghip bo him tr ln bo him cho cng mt i tng, vi cng
iu kin v s kin bo him, khi xy ra s kin bo him, mi doanh nghip bo him ch chu trch
nhim bi thng theo t l gia s tin bo him tha thun theo hp ng bo him trn tng s
tin bo him ca tt c cc hp ng bo him m bn mua bo him giao kt.
4. Doanh nghip bo him khng c trch nhim chi tr bt k khon chi ph no m nh thu t vn
tr cho bn th ba nhng khng c s ng trc bng vn bn ca doanh nghip bo him.
5. Doanh nghip bo him s khng bi thng bt k khiu ni no nu khng c s ng ca
ngi c bo him.
6. Doanh nghip bo him khng chu trch nhim bi thng i vi nhng khon tin pht sinh,
tng thm do hnh vi gian ln bo him theo quy nh ti B lut hnh s.
7. Trng hp bn th ba b tn tht v ti sn, vic gim nh tn tht thc hin theo quy nh ti
iu 16 ca Thng t ny.
8. Khi c yu cu i bi thng ca bn th ba, bn mua bo him v doanh nghip bo him phi
hp gii quyt bi thng bo him nh sau:
a) i vi bn mua bo him:

11
- Lp tc thng bo ngay cho doanh nghip bo him bng cc phng tin thng tin lin lc; sau
trong thi hn mi bn (14) ngy k t ngy nhn c yu cu i bi thng ca bn th ba phi
thng bo bng vn bn cho doanh nghip bo him theo mu quy nh ti Ph lc 10 ban hnh km
theo Thng t ny.
- Thc hin mi bin php trong phm vi kh nng ca mnh hn ch tn tht mc thp nht.
- Cung cp cc ti liu trong h s bi thng theo quy nh ti khon 1, khon 2, khon 3, khon 4,
khon 5 v khon 7 iu 25 Thng t ny, to iu kin cho doanh nghip bo him trong qu trnh
xc minh cc ti liu .
- Thc hin, phi hp, cho php doanh nghip bo him thc hin cc hnh ng v bin php cn
thit hoc theo yu cu ca doanh nghip bo him nhm bo v quyn li m doanh nghip bo
him c hng sau khi bi thng thit hi thuc trch nhim bo him theo Thng t ny.
b) i vi doanh nghip bo him:
- Gim nh tn tht theo quy nh ti iu 16 Thng t ny.
- Hng dn bn mua bo him, phi hp vi bn mua bo him v cc c quan, t chc, c nhn
c lin quan thu thp y cc ti liu lp h s bi thng.
- Lp ti liu theo quy nh ti khon 6 iu 25 Thng t ny.
- Phi hp vi bn mua bo him gii quyt yu cu bi thng thit hi ca bn th ba thuc
trch nhim bo him khi xy ra s kin bo him.
- Trng hp chp nhn bi thng bo him, doanh nghip bo him phi c vn bn thng bo bi
thng bo him.
- Trng hp t chi bi thng bo him, doanh nghip bo him phi c vn bn gii thch l do.
iu 25. H s bi thng bo him
Doanh nghip bo him c trch nhim phi hp vi bn mua bo him, ngi c bo him, cc
c quan, t chc c lin quan thu thp cc ti liu c lin quan lp h s bi thng. H s bi
thng bo him trch nhim ngh nghip t vn u t xy dng bao gm cc ti liu sau:
1. Thng bo yu cu i bi thng ca bn th ba v yu cu bi thng do bn mua bo him lp
theo mu quy nh ti Ph lc 10 ban hnh km theo Thng t ny.
2. Ti liu lin quan n i tng bo him bao gm: Hp ng bo him, Giy chng nhn bo
him.
3. Vn bn yu cu bi thng ca bn th ba i vi ngi c bo him.
4. Ti liu chng minh thit hi v ngi (Bn sao c xc nhn ca cc c s y t hoc bn sao c
xc nhn ca doanh nghip bo him hoc ngi i din ca doanh nghip bo him sau khi i
chiu vi bn gc). Ty theo mc thit hi v ngi c th bao gm mt hoc mt s cc ti liu
sau:
a) Giy chng thng.
b) Giy ra vin.
c) Giy chng nhn phu thut.
d) H s bnh n.
) Giy chng t (trong trng hp nn nhn t vong).
e) Ha n, chng t hp l, hp l v chi ph y t (bn gc).
5. Ti liu chng minh thit hi v ti sn, bao gm:
a) H s s c cng trnh xy dng (bn sao cng chng hoc bn sao ca bn lp h s) theo quy
nh ti iu 50 Ngh nh s 46/2015/N-CP ngy 12 thng 5 nm 2015 ca Chnh ph v qun l
cht lng v bo tr cng trnh xy dng v cc vn bn sa i, b sung, thay th (nu c).
b) Ha n, chng t hp l trong trng hp sa cha, thay mi ti sn.
c) Cc giy t chng minh chi ph cn thit v hp l m bn mua bo him chi ra hn ch tn
tht mc thp nht hay thc hin theo ch dn ca doanh nghip bo him.
6. Bin bn gim nh nguyn nhn v mc thit hi do doanh nghip bo him hoc ngi c
doanh nghip bo him y quyn lp.
7. Cc ti liu khc c lin quan (nu c).

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Mc 3. BO HIM I VI NGI LAO NG THI CNG TRN CNG TRNG
iu 26. i tng bo him v s tin bo him ti thiu
1. i tng bo him i vi ngi lao ng thi cng trn cng trng l trch nhim dn s ca
nh thu thi cng xy dng i vi ngi lao ng thi cng trn cng trng theo quy nh ca php
lut.
2. S tin bo him ti thiu trong trng hp bo him i vi ngi lao ng thi cng trn cng
trng l mt trm (100) triu ng/ngi/v.
iu 27. Phm vi bo him
Doanh nghip bo him thc hin trch nhim bi thng cho nh thu thi cng xy dng nhng
khon tin m nh thu thi cng xy dng c trch nhim bi thng cho ngi lao ng b thng
tt, cht do tai nn lao ng, bnh ngh nghip pht sinh do thc hin cng vic thi cng trn cng
trng, tr cc trng hp khng thuc trch nhim bo him quy nh ti iu 5 Thng t ny.
iu 28. Thi hn bo him
1. Thi hn bo him i vi ngi lao ng thi cng trn cng trng bt u k t ngy thc hin
cng vic thi cng trn cng trng n ht thi gian bo hnh cng trnh theo quy nh php lut.
2. Vic xc nh thi hn bo him c th i vi ngi lao ng thi cng trn cng trng cn c
vo hp ng lao ng v vn bn xc nhn ca nh thu thi cng xy dng v thi gian ngi lao
ng lm vic thc t trn cng trng.
iu 29. Ph bo him v thanh ton ph bo him
1. Ph bo him i vi ngi lao ng thi cng trn cng trng c quy nh ti Ph lc 9 ban
hnh km theo Thng t ny.
2. Cn c vo mc ri ro ca i tng c bo him, doanh nghip bo him c iu chnh
tng hoc gim ph bo him ti a 25% tnh trn ph bo him quy nh ti Ph lc 9 ban hnh km
theo Thng t ny.
3. Vic thanh ton ph bo him i vi ngi lao ng thi cng trn cng trng thc hin trn c s
tha thun gia bn mua bo him v doanh nghip bo him v phi c ghi ti hp ng bo
him. Cc trng hp c th nh sau:
a) Trng hp ng ph bo him mt ln: Thi hn thanh ton ph bo him khng vt qu ba
mi (30) ngy k t ngy hp ng bo him c hiu lc v khng chm hn ba mi (30) ngy k
t ngy bt u thi hn bo him theo hp ng bo him. Trng hp thi hn bo him di ba
mi (30) ngy, thi hn thanh ton ph bo him khng vt qu thi hn bo him.
b) Trng hp ng ph bo him theo k: Bn mua bo him v doanh nghip bo him tha thun
bng vn bn cc k thanh ton ph bo him theo quy nh sau:
- K thanh ton ph bo him u tin: Thanh ton 50% tng ph bo him (tm tnh) trong thi hn ba
mi (30) ngy k t ngy hp ng bo him c hiu lc v khng chm hn ba mi (30) ngy k
t ngy bt u thi hn bo him theo hp ng bo him. Cc k thanh ton ph bo him tip theo
c thc hin theo tha thun gia doanh nghip bo him v bn mua bo him ti hp ng bo
him giao kt ban u.
- Trong mi trng hp, thi hn thanh ton ph bo him khng vt qu thi hn bo him theo
hp ng bo him.
4. Trng hp c s thay i v s lng lao ng, thay i cng vic ca ngi lao ng thc hin
theo hng dn sau:
a) Trc ngy 15 ca thng k tip thng c s thay i, nh thu thi cng xy dng phi thng bo
bng vn bn cho doanh nghip bo him vic thay i nu trn km theo danh sch ngi lao ng
pht sinh tng hoc gim (i vi trng hp thay i v s lng lao ng), danh sch cng vic
ca ngi lao ng thay i (i vi trng hp thay i cng vic ca ngi lao ng).
b) Trng hp pht sinh tng s lng lao ng, thay i cng vic ca ngi lao ng lm tng ri
ro c bo him, nh thu thi cng xy dng phi np phn ph bo him tng thm trc ngy 15
ca thng k tip thng thng bo.
c) Trng hp pht sinh gim s lng lao ng, thay i cng vic ca ngi lao ng lm gim ri
ro c bo him, doanh nghip bo him phi tr cho nh thu thi cng xy dng phn ph bo
him gim tng ng vi thi gian cn li ca hp ng bo him m bn mua bo him ng
tha trc ngy 15 ca thng k tip thng thng bo.

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d) Nu nh thu thi cng xy dng thc hin ng ngha v thng bo theo quy nh ti im a khon
ny v thanh ton ph bo him theo quy nh ti im b khon ny, hp ng bo him t ng c
hiu lc i vi danh sch ngi lao ng pht sinh tng hoc chm dt hiu lc i vi danh sch
ngi lao ng pht sinh gim; hp ng bo him t ng c hiu lc i vi cng vic c thay
i ca ngi lao ng k t ngy pht sinh theo vn bn ca ngi c bo him.
5. Doanh nghip bo him c th tha thun cho bn mua bo him n ph bo him. Vic n ph bo
him phi c quy nh trong hp ng bo him v ch c p dng khi bn mua bo him c ti
sn bo m hoc bo lnh thanh ton ph bo him theo quy nh ca php lut.
iu 30. Trch nhim mua bo him
Bn mua bo him phi mua bo him bt buc i vi ngi lao ng thi cng trn cng trng
trc khi ngi lao ng thc hin cng vic thi cng trn cng trng.
iu 31. Nguyn tc bi thng bo him
1. Khi xy ra tai nn lao ng, bnh ngh nghip i vi ngi lao ng thi cng trn cng trng,
bn mua bo him v doanh nghip bo him phi hp gii quyt bi thng bo him nh sau:
a) i vi bn mua bo him:
- Lp tc thng bo ngay cho doanh nghip bo him bng cc phng tin thng tin lin lc, sau
trong thi hn mi bn (14) ngy k t ngy xy ra tai nn lao ng, bnh ngh nghip i vi
ngi lao ng thi cng trn cng trng phi thng bo bng vn bn cho doanh nghip bo him
theo mu quy nh ti Ph lc 11 ban hnh km theo Thng t ny.
- Thc hin mi bin php trong phm vi kh nng ca mnh hn ch tn tht mc thp nht.
- Cung cp cc ti liu trong h s bi thng theo quy nh iu 32 Thng t ny v to iu kin
cho doanh nghip bo him trong qu trnh xc minh cc ti liu .
- Thc hin, phi hp, cho php doanh nghip bo him thc hin cc hnh ng v bin php cn
thit hoc theo yu cu ca doanh nghip bo him nhm bo v quyn li m doanh nghip bo
him c hng sau khi bi thng thit hi thuc trch nhim bo him theo Thng t ny.
b) i vi doanh nghip bo him:
- Hng dn bn mua bo him, phi hp vi bn mua bo him v cc c quan, t chc, c nhn
c lin quan thu thp y cc ti liu lp h s bi thng; Xc nh nguyn nhn v mc
thit hi.
- Trng hp chp nhn bi thng bo him, doanh nghip bo him phi c vn bn thng bo bi
thng bo him.
- Trng hp t chi bi thng bo him, doanh nghip bo him phi c vn bn gii thch l do.
2. Khi ngi lao ng b thng tt, cht do tai nn lao ng, bnh ngh nghip pht sinh do thc
hin cng vic thi cng trn cng trng thuc trch nhim bo him, doanh nghip bo him s c
trch nhim chi tr nhng khon tin theo tha thun gia nh thu thi cng v ngi lao ng hoc
i din hp php ca ngi lao ng (trong trng hp ngi lao ng cht), bao gm cc
khon chi tr sau:
a) Ph cp ngh vic trong thi gian iu tr theo ch nh ca bc s iu tr c tnh cn c vo mc
tin lng theo hp ng lao ng nhng khng vt qu su (06) thng lng trong mi s kin
bo him.
b) Chi ph y t thc t bao gm: chi ph cp cu, chi ph iu tr ni, ngoi tr cn thit v hp l
nhng khng vt qu mt trm (100) triu ng/ngi/v.
c) Trng hp ngi lao ng b suy gim kh nng lao ng di tm mi mt phn trm (81%),
mc bi thng c th cho tng loi thng tt, thit hi v ngi c xc nh theo Bng tr tin
bi thng bo him i vi ngi lao ng thi cng trn cng trng theo Ph lc s 12 ban hnh
km theo Thng t ny.
d) Trng hp ngi lao ng b cht hoc suy gim kh nng lao ng vnh vin t tm mi mt
phn trm (81%) tr ln, doanh nghip bo him s chi tr mt trm (100) triu ng/ngi/v.
Tng s tin bi thng bo him theo quy nh ti im a, im b, im c v im d khon ny
khng vt qu mt trm (100) triu ng/ngi/v.
3. Trng hp tai nn lao ng xy ra hoc bnh ngh nghip pht sinh gy thng tt cho ngi lao
ng v thng tt ny b lm trm trng thm bi cc thng tt hoc bnh tt trc , doanh
nghip bo him khng chu trch nhim bi thng cho phn b lm trm trng thm .

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4. Ring i vi trng hp bi thng theo quy nh ti im b khon 2 iu ny, nu bn mua bo
him giao kt hp ng bo him i vi ngi lao ng thi cng trn cng trng vi hai (02) doanh
nghip bo him tr ln bo him cho cng mt i tng, vi cng iu kin v s kin bo
him, khi xy ra s kin bo him, mi doanh nghip bo him ch chu trch nhim bi thng theo
t l gia s tin bo him tha thun theo hp ng bo him trn tng s tin bo him ca tt
c cc hp ng bo him m bn mua bo him giao kt.
iu 32. H s bi thng bo him
Doanh nghip bo him c trch nhim phi hp vi bn mua bo him, ngi c bo him, cc
c quan, t chc c lin quan thu thp cc ti liu c lin quan lp h s bi thng. H s bi
thng bo him i vi ngi lao ng thi cng trn cng trng bao gm cc ti liu sau:
1. Thng bo tai nn lao ng, bnh ngh nghip v yu cu bi thng do bn mua bo him lp
theo mu quy nh ti Ph lc 11 ban hnh km theo Thng t ny.
2. Ti liu lin quan n i tng bo him bao gm:
a) Hp ng bo him, Giy chng nhn bo him (nu c), hp ng lao ng k gia ngi c
bo him v ngi lao ng b tai nn lao ng, bnh ngh nghip.
b) Cc vn bn yu cu bi thng v tai nn lao ng, bnh ngh nghip ca ngi lao ng (nu
c).
3. Ti liu chng minh ngi lao ng b thng tt, cht do tai nn lao ng (Bn sao c xc nhn
ca c quan c thm quyn hoc bn sao c xc nhn ca doanh nghip bo him hoc ngi i
din ca doanh nghip bo him sau khi i chiu vi bn chnh):
a) Bin bn iu tra tai nn lao ng do c quan c thm quyn lp theo quy nh ca php lut (nu
c). Trng hp ngi lao ng b tai nn giao thng v c xc nh l tai nn lao ng th phi c
bin bn tai nn giao thng hoc bin bn khm nghim hin trng v s hin trng v tai nn
giao thng do cc c quan c thm quyn lp theo quy nh ca php lut.
b) Ty theo mc thit hi v ngi c th bao gm mt hoc mt s cc ti liu sau: Giy chng
thng; Giy ra vin; Giy chng nhn phu thut; H s bnh n; Giy chng t v Giy xc nhn
quyn tha k hp php (trong trng hp ngi lao ng cht).
c) Bin bn gim nh mc suy gim kh nng lao ng ca Hi ng gim nh y khoa (i vi
trng hp ngi lao ng b suy gim kh nng lao ng t nm phn trm (5%) tr ln).
d) Ha n, chng t hp l ca cc c s y t chng minh vic iu tr thng tt do tai nn lao
ng ca ngi lao ng (bn gc).
4. Ti liu chng minh ngi lao ng b thng tt, cht do bnh ngh nghip:
a) Bin bn o c mi trng c yu t c hi do c quan c thm quyn lp, trng hp bin bn
xc nh cho nhiu ngi th h s ca mi ngi lao ng phi c bn trch sao.
b) Giy ra vin (trng hp khng iu tr ti bnh vin th phi c giy khm bnh ngh nghip);
Giy chng nhn phu thut; H s bnh n; Giy chng t v Giy xc nhn quyn tha k hp
php (trong trng hp ngi lao ng cht).
c) Bin bn gim nh mc suy gim kh nng lao ng ca Hi ng gim nh y khoa (i vi
trng hp doanh nghip bo him tr tin bi thng theo Bng tr tin bi thng bo him i vi
ngi lao ng thi cng trn cng trng theo quy nh ti Ph lc s 12 ban hnh km theo Thng
t ny).
d) Ha n, chng t hp l ca cc c s y t chng minh vic iu tr thng tt do bnh ngh
nghip ca ngi lao ng.
5. Ti liu chng minh cc khon tin m nh thu thi cng xy dng thc hin bi thng cho
ngi lao ng b thng tt, cht do tai nn lao ng, bnh ngh nghip gy ra thuc trch nhim
bo him (nu c).
6. Cc ti liu khc c lin quan (nu c).
Mc 4. BO HIM TRCH NHIM DN S I VI BN TH BA
iu 33. i tng bo him v phm vi bo him
1. i tng bo him trch nhim dn s vi bn th ba l trch nhim dn s ca bn nhn thu
i vi bn th ba theo quy nh ca php lut khi bn nhn thu trin khai xy dng cng trnh.

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2. Doanh nghip bo him c trch nhim bi thng cho bn nhn thu nu bn th ba yu cu bn
nhn thu bi thng thit hi do li ca bn nhn thu gy ra cho bn th ba trong thi hn bo
him v thuc phm vi bo him.
iu 34. Trin khai bo him
Doanh nghip bo him trin khai bo him trch nhim dn s i vi bn th ba theo cc quy nh
php lut c lin quan v theo hng dn sau:
1. Doanh nghip bo him c ch ng xy dng quy tc, iu khon, biu ph bo him trch
nhim dn s i vi bn th ba, m bo quy nh ti im b khon 4 iu 39 Ngh nh s
73/2016/N-CP ngy 01 thng 7 nm 2016 ca Chnh ph quy nh chi tit thi hnh Lut Kinh doanh
bo him v Lut sa i, b sung mt s iu ca Lut Kinh doanh bo him v cc vn bn sa
i, b sung (nu c).
2. Vic thanh ton ph bo him trong bo him trch nhim dn s i vi bn th ba trong hot
ng u t xy dng c thc hin nh sau:
a) Trng hp ng ph bo him mt ln: Thi hn thanh ton ph bo him khng vt qu ba
mi (30) ngy k t ngy bt u thi hn bo him theo hp ng bo him. Trng hp thi hn
bo him di ba mi (30) ngy, thi hn thanh ton ph bo him khng vt qu thi hn bo
him.
b) Trng hp ng ph bo him theo k: Bn mua bo him v doanh nghip bo him tha thun
bng vn bn cc k thanh ton ph bo him theo quy nh sau:
- K thanh ton ph bo him u tin: Thanh ton 50% tng ph bo him (tm tnh) trong thi hn ba
mi (30) ngy k t ngy hp ng bo him c hiu lc v khng chm hn ba mi (30) ngy k
t ngy bt u thi hn bo him theo hp ng bo him. Cc k thanh ton ph bo him tip theo
c thc hin theo tha thun gia doanh nghip bo him v bn mua bo him ti hp ng bo
him giao kt ban u.
- Trong mi trng hp, thi hn thanh ton ph bo him khng vt qu thi hn bo him theo
hp ng bo him.
3. Doanh nghip bo him c th tha thun cho bn mua bo him n ph bo him. Vic n ph bo
him phi c quy nh trong hp ng bo him v ch c p dng khi bn mua bo him c ti
sn bo m hoc bo lnh thanh ton ph bo him theo quy nh ca php lut.
Mc 5. CH TI CHNH, CH BO CO
iu 35. Ch ti chnh
Doanh nghip bo him trin khai bo him bt buc trong hot ng u t xy dng thc hin ch
ti chnh theo hng dn sau:
1. Thc hin ch ti chnh theo quy nh php lut v kinh doanh bo him v quy nh php lut
c lin quan.
2. Hch ton tch bch doanh thu ph bo him, hoa hng bo him, bi thng bo him v cc
khon chi ph khc lin quan n bo him bt buc trong hot ng u t xy dng.
iu 36. Ch bo co
Doanh nghip bo him phi lp v gi B Ti chnh cc bo co i vi bo him bt buc trong
hot ng u t xy dng theo quy nh sau:
1. Bo co nh k: Doanh nghip bo him phi lp v gi B Ti chnh cc bo co nghip v qu,
nm (bao gm c bn cng v bn mm) theo mu quy nh ti Ph lc 13, Ph lc 14 v Ph lc 15
ban hnh km theo Thng t ny, c th nh sau:
a) Bo co qu: Chm nht l ba mi (30) ngy, k t ngy kt thc qu.
b) Bo co nm: Chm nht l chn mi (90) ngy, k t ngy kt thc nm.
2. Bo co t xut theo yu cu ca B Ti chnh.
Chng III
IU KHON THI HNH
iu 37. iu khon chuyn tip
Cc hp ng bo him trong hot ng u t xy dng giao kt trc ngy Thng t ny c
hiu lc c tip tc thc hin hp ng bo him theo quy nh ca php lut ti thi im giao kt
hp ng.
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iu 38. Hiu lc thi hnh
1. Thng t ny c hiu lc thi hnh k t ngy 01 thng 3 nm 2017.
2. Trong qu trnh thc hin, nu pht sinh vng mc, ngh phn nh kp thi v B Ti chnh
xem xt, gii quyt./.

KT. B TRNG
Ni nhn: TH TRNG
- Vn phng TW v cc ban ca ng;
- Vn phng Tng B th;
- Vn phng Quc hi;
- Vn phng Ch tch nc;
- Vn phng Chnh ph;
- Vn phng Ban ch o Trung ng v phng, chng tham nhng; Trn Xun H
- Vin Kim st nhn dn ti cao;
- To n nhn dn ti cao;
- Cc B, c quan ngang B, c quan thuc Chnh ph;
- UBND cc tnh, thnh ph trc thuc Trung ng;
- C quan TW v cc on th;
- Kim ton Nh nc;
- Cc Kim tra vn bn - B T php;
- Cng bo, Website Chnh ph;
- Cc n v thuc B Ti chnh;
- Website B Ti chnh;
- Hip hi bo him VN, DNBHPNT, DNTBH, DNMGBH;
- Lu VT, QLBH.

FILE C NH KM THEO VN BN

Phu luc

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