Bo him trong kinh doanh

Ging vin: L Minh Trm B mn Vn ti v Bo him Khoa Kinh t v Kinh doanh quc t Email: Tel: tramftu@yahoo.com 0926032007

nh gi kt qu mn hc
im chuyn cn: 10% im gia k: 30% --> la chn: + lm tiu lun nhm v thuyt trnh + thi l thuyt v bi tp t lun + thu thp v phn tch cc chng t bo him im cui k: 60% thi trc nghim trn my
2

Phn 2: Bo him hng ha xnk

Ging vin: L Minh Trm B mn Vn ti v Bo him Khoa Kinh t v Kinh doanh quc t Email: Tel: tramftu@yahoo.com 0926032007

Phn ii: Bo him hng ho xnk

Ti liu tham kho: 1. Gio trnh Bo him trong kinh doanh HNT 2. Lut KDBH 2000 3. B Lut Hng hi 2005 4. QTC 1990 Ni dung chnh: Chng 1: Khi qut v bo him Chng 2: Bo him hng ho XNK chuyn 4

Chng I: khI qut v bo him

I. Cc bin php i ph vi ri ro

ii. Cc khi nim c bn III. Tc dng ca bo him IV. Phn loi bo him

V. Cc nguyn tc c bn ca bo him
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I. S ra i v pht trin ca bo him

1. Cc bin php i ph vi ri ro 2. Thi im ra i cc loi hnh bo him

3. Vi nt v qu trnh pht trin ngnh bo him Vit Nam

I.

Cc bin php i ph vi ri ro

1. Nhm cc bin php kim sot ri ro a. Trnh n ri ro (Risk avoidance) b. Ngn nga, hn ch ri ro(Risk prevention) 2. Nhm cc bin php ti tr ri ro a. Chp nhn ri ro (Risk assumption) b. Chuyn nhng ri ro (Risk transfer)
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1.

Nhm cc bin php kim sot ri ro

Mc ch: ngn chn hoc lm gim thiu kh nng xy ra ri ro hoc lm gim mc tn tht thit hi do ri ro gy ra a. Trnh n ri ro (Risk avoidance) Hn ch: mang tnh th ng v khng phi ri ro no cng c th n trnh c b. Ngn nga, hn ch ri ro (Risk prevention) Hn ch: khng lm bin mt ri ro, 8

2. Nhm cc bin php ti tr ri ro

Mc ch: khc phc tn tht do hu qu ri ro gy ra a. Chp nhn ri ro (Risk assumption) Chp nhn ri ro th ng: khng c s chun b trc i ph vi hu qu ca RR Chp nhn ri ro ch ng: d tr trc tin i ph vi hu qu ca ri ro T bo him: - C nhn, h gia nh: tit kim - Doanh nghip, t chc kinh t: trch lp d phng Hn ch: - quy m khon d tr khng ln khng b p c cc ri ro tn tht ln 9 - gy ng vn trong nn kinh t

2. Nhm cc bin php ti tr ri ro b. Chuyn nhng ri ro (Risk transfer) Lp qu d tr chung trong mt cng ng: Bn cht: phn tn ri ro, chia nh tn tht ca c nhn trong tp th, tun theo quy lut s ln Bo him (Insurance): - L hnh thc pht trin cao hn ca CNRR - Khc phc hn ch ca cc bin php khc
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1.

Cc bin php i ph vi ri ro

1.1. Nhm cc bin php kim sot ri ro a. Trnh n ri ro (Risk avoidance) b. Ngn nga, hn ch ri ro(Risk prevention) 1.2. Nhm cc bin php ti tr ri ro a. Chp nhn ri ro (Risk assumption) b. Chuyn nhng ri ro (Risk transfer)
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1.1. Nhm cc bin php kim sot ri ro Mc ch: ngn chn hoc lm gim thiu kh nng xy ra ri ro hoc lm gim mc tn tht thit hi do ri ro gy ra a. Trnh n ri ro (Risk avoidance)

b. Ngn nga, hn ch ri ro (Risk prevention)

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1.2. Nhm cc bin php ti tr ri ro Mc ch: khc phc tn tht do hu qu ri ro gy ra a. Chp nhn ri ro (Risk assumption) Chp nhn ri ro th ng: khng c s chun b trc i ph vi hu qu ca RR Chp nhn ri ro ch ng: d tr trc tin i ph vi hu qu ca ri ro T bo him: - C nhn, h gia nh: - Doanh nghip, t chc kinh t: 13 Hn ch:

1.2. Nhm cc bin php ti tr ri ro b. Chuyn nhng ri ro (Risk transfer) Lp qu d tr chung trong mt cng ng: Bn cht: phn tn ri ro, chia nh tn tht ca c nhn trong tp th, tun theo quy lut s ln Bo him (Insurance): - L hnh thc pht trin cao hn ca CNRR Khc phc hn ch ca cc bin php khc
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II. Cc khi nim c bn 1. 2. 3. 4. 5. 6. 7. 8. Bo him i tng bo him iu kin bo him Bn bo him Ngi bo him Bn c bo him Tr gi bo him S tin bo him Ph bo him

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1. a. nh ngha

Bo him (Insurance)

Insured (Ngi c BH)

I HBH

Insurer (Ngi BH)

TBH

KBH

bi thng khi RRBH xy ra

Quy trnh nghip v bo him
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1.

Bo him (Insurance)

a. nh ngha Bo him l mt ch bi thng v mt kinh t, trong ngi bo him cam kt s bi thng cho ngi c bo him nhng tn tht ca i tng bo him do cc ri ro tho thun gy ra, vi iu kin ngi c bo him ng mt khon tin, gi l ph bo him cho i tng bo him v theo iu kin bo him quy nh.
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1. b.

Bo him (Insurance)

Bn cht Bo him l mt ngnh kinh doanh i tng kinh doanh ca bo him l ri ro Bo him l s di chuyn ri ro t ngi tham gia bo him sang cho ngi bo him Bo him l s phn tn ri ro, chia nh tn tht gia nhng ngi tham gia bo him vi nhau, tun theo quy lut s ln Bo him l mt bin php kinh t nhm 18 gii quyt hu qu ca ri ro v mt ti

2.

i tng bo him (Subject-matter insured)

L i tng nm trong tnh trng chu s e do ca ri ro m v n, mt ngi (ngi c li ch bo him) phi tham gia vo mt loi bo him no .

3 loi TBH: + Ti sn: + Con ngi: tui th, tnh mng, sc khe, tai nn c nhn + Trch nhim dn s: TNDS ca mt ch th l trch nhim bi thng thit hi v ti sn hoc v ngi ca ngi th ba do li ca ch th gy ra. 19

3.

iu kin bo him

L s quy nh phm vi trch nhim ca ngi bo him i vi i tng bo him v cc mt: ri ro, tn tht khng gian v thi gian KBH l s khoanh vng cc ri ro c bo him

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4.

Bn bo him Ngi bo him (Insurer)

L php nhn ng ra nhn bo him cho cc i tng ang t trong tnh trng chu him ha v vi cc hnh thc php l c php lut quy nh. L ngi kinh doanh dch v bo him, l ngi nhn trch nhim v ri ro t HBH 59 LKDBH 2000: Hnh thc php l ca DNBH Vit Nam -Nh nc - C phn - Lin doanh - 100% vn nc ngoi - T chc bo him tng h 21

5.

Bn c bo him (Insured/ Assured)

Ngi tham gia BH: k HBH v np ph BH

Ngi c BH: c ti sn, TNDS, tnh mng c BH theo mt HBH Ngi th hng BH: c nhn tin bi thng t cng ty BH

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6.

Tr gi bo him (Insurance Value - V)

L tr gi bng tin ca ti sn, thng c xc nh bng gi tr thc t ca ti sn ti thi im k kt HBH, c th bao gm c ph BH. - TS mi: V = gi mua + chi ph lin quan (nu c)

- TS qua s dng: + V = gi tr cn li = nguyn gi - khu hao + Vi nhng ti sn khng xc nh c gi tr th trng V = gi tr nh gi li do Hi ng thm nh gi a ra

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7.

S tin bo him (Insurance Amount - A) L mt khon tin do ngi c BH yu cu v c ngi BH chp nhn, c ghi trong HBH, nhm xc nh trch nhim ca ngi BH trong bi thng hoc tr tin BH Vi BH TNDS v BH con ngi: Vi BH ti sn:

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8.

Ph bo him (Insurance Premium - I) L khon tin m tham gia bo him phi tr nhn c s bo m trc cc ri ro c ngi BH chp nhn. Cng thc:

R: t l ph bo him: thng c xc nh l t l phn trm ca A (%) R do cng ty BH xc nh trn c s:

R phn nh:
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III. Phn loi bo him

1. Cn c vo c ch hot ng ca bo him 2. Cn c vo hnh thc tham gia 3. Cn c vo i tng bo him 4. Cn c vo phm vi hot ng
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1.

Cn c vo c ch hot ng ca bo him

1.1. Bo him x hi L s m bo thay th hoc b p mt phn thu nhp i vi ngi lao ng khi h gp phi nhng bin c lm gim hoc mt kh nng lao ng hay b mt vic. i tng BHXH: i tng tham gia BHXH: Ngi bo him: Ngun hnh thnh qu BHXH:
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1.

Cn c vo c ch hot ng ca bo him

1.2. Bo him thng mi i tng BH: Ngi tham gia BH: Ngi BH:

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2.

Cn c vo hnh thc tham gia bo him

2.1. Bo him bt buc L loi hnh BH do nh nc quy nh v KBH, mc ph BH v STBH ti thiu m ngi tham gia BH v ngi BH bt buc phi thc hin p dng: cc loi BH nhm mc ch bo v li ch cng cng v an ton x hi i tng tham gia BH: Ngi BH:

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2.

Cn c vo hnh thc tham gia bo him

2.1. Bo him bt buc Cc loi hnh BH bt buc (Lut KDBH 2000):

2.2. BH t nguyn Khng mang tnh bt buc

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3.

Cn c vo i tng bo him

3.1. Bo him ti sn

3.2. Bo him TNDS

3.3. Bo him con ngi

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4.

Cn c vo phm vi hot ng ca bo him

4.1.BH i ni TBH khng c yu t nc ngoi v khng vt ra ngoi phm vi bin gii quc gia

4.2.BH i ngoi TBH c yu t nc ngoi hoc vt ra ngoi phm vi bin gii quc gia

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5.

Cn c vo mt lnh vc

5.1.Lnh vc hng hi BH hng hi BH phi hng hi

5.2.Tui th, sinh mng BH nhn th BH phi nhn th

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IV. Tc dng ca bo him

1. Bi thng, gp phn n nh i sng, phc hi SXKD 2. To ra tm l an tm trong hot ng kinh t v i sng x hi 3. Tp trung vn, gp phn p ng cc nhu cu v vn trong XH 4. Tng cng cng tc phng, ngn nga ri ro, hn ch tn tht 5. Tng thu v gim chi cho ngn sch nh nc 6. Thu ht mt s lng ln lao ng, gp phn gim bt tnh trng tht nghip cho x hi34

V. Cc nguyn tc c bn ca bo him

1. Bo him ch bo him 1 ri ro ch khng bo him 1 s chc chn (fortuity not certainty) 2. Nguyn tc trung thc tuyt i (utmost good faith) 3. Nguyn tc li ch bo him (insurable interest) 4. Nguyn tc bi thng 5. Nguyn tc th quyn (Subrogation)
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1.

Bo him ch bo him mt ri ro ch khng bo him mt s chc chn

Ri ro c th c BH: - Ngu nhin, c xc sut - Khng phi l ri ro ................................ - Phi c tnh ................................ - Khng tri vi cc ................................ v cc ................................ - RRBH l ................................ dn n tn tht
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2.

Nguyn tc trung thc tuyt i

ND: C ngi BH ln ngi tham gia BH u phi tuyt i trung thc, chn thnh vi nhau v tin tng ln nhau tin ti k kt v thc hin HBH. Nu mt trong hai bn vi phm th H k tr nn khng c hiu lc. Yu cu i vi ngi c bo him: - khai bo y , trung thc v TBH - thng bo b sung kp thi khi c s gia tng ri ro hay lm pht sinh thm trch nhim BH - khng c mua BH khi ................................
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2.

Nguyn tc trung thc tuyt i

Yu cu i vi ngi bo him: - Cng khai, gii thch cc iu kin, nguyn tc, th l, gi c BH - chu trch nhim nu s dng t ng khng r rng - Khng c nhn BH khi ................................

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3.

Nguyn tc li ch bo him

ND: Ch nhng ngi c li ch BH th mi c k kt HBH v H mi c gi tr php l. Khi s kin BH xy ra, mun c bi thng, phi c li ch BH vo thi im xy ra tn tht Li ch BH l quyn li c lin quan n, gn lin vi hay ph thuc vo s an ton hay khng an ton ca TBH. Ngi c li ch bo him l ngi m khi TBH khng an ton s dn h n mt khon thit hi v ti chnh hoc lm h b pht sinh mt trch nhim php l hoc lm h mt i cc quyn li c php lut cng nhn
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4.

Nguyn tc bi thng

Bi thng kp thi:

Bi thng y : khi phc li cho ngi c bo him tnh trng ti chnh nh ngay trc khi ri ro xy ra, nhng m bo tun th cc iu khon ca HBH.
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4.

Nguyn tc bi thng

iu khon ca HBH ngn cn ngi BH thc hin bi thng y : BH di gi tr iu khon mc min thng MMT l mt s tin nht nh hay mt t l phn trm ca A hoc V c quy nh trong HBH m nu tn tht xy ra di mc th ngi BH khng chu trch nhim.41

4.

Nguyn tc bi thng

Mc ch quy nh MMT Phng php bi thng: + Bi thng c khu tr + Bi thng khng khu tr Khng p dng NT bi thng cho:

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5.

Nguyn tc th quyn (Subrogation)

ND: ngi BH, sau khi bi thng, c php thay mt ngi c BH i i ngi th ba bi thng phn tn tht thuc TN ca ngi trong phm vi s tin tr cho ngi c BH Ngi th ba: Tc dng: - Bo m nguyn tc bi thng c thc hin - Chng li hnh vi r b trch nhim ca ngi th ba c li iu kin thc hin th quyn: - Ngi c BH phi bo lu quyn khiu ni ngi th ba cho ngi BH 43 - Ngi BH phi thanh ton cho ngi c BH