Chng ii: bo him hng ha xut nhp khu chuyn ch bng ng bin

I. Khi qut v bo him hng hi

II. Bo him hng ho xut nhp khu chuyn ch bng ng bin

I. Khi qut v bo him hng hi 1. Khi nim v BH hng hi 2. Ri ro trong bo him hng hi 2.1. Cn c vo nguyn nhn sinh ra ri ro 2.2. Cn c vo nghip v bo him 3. Tn tht trong bo him hng hi 3.1. Khi nim 3.2. Phn loi
2

1.

Khi nim v bo him hng hi

- KN: l loi hnh BH cho nhng ri ro trn bin v nhng ri ro trn b, trn sng lin quan n hnh trnh vn chuyn bng ng bin gy ra tn tht cho TBH chuyn ch trn bin. - 3 loi hnh BHHH c bn, truyn thng: + BH hng ha (Cargo Insurance) + BH thn tu (Hull Insurance) + BH TNDS ca ch tu (P&I Insurance)

2.

Ri ro trong bo him hng hi

2.1. Cn c vo nguyn nhn sinh ra ri ro a. Thin tai (Acts of God) b. Tai nn ca bin (Perils of the sea/ Accident of the sea) c. Ri ro do cc hin tng chnh tr x hi d. Ri ro do cc hnh ng ring l ca con ngi - do li ca bn thn ngi c bo him - do hnh vi c ca ngi khc 4 e. Ri ro do cc nguyn nhn khc

2.

Ri ro trong bo him hng hi

2.2. Cn c vo nghip v bo him a. Nhm ri ro thng thng c bo him b. Nhm ri ro phi bo him ring c. Nhm ri ro loi tr

a.

Nhm ri ro thng thng c bo him

- L cc ri ro c bo him mt cch bnh thng theo cc KBH gc - Hai loi: + Ri ro chnh + Ri ro ph

Ri ro chnh + l cc him ho ch yu ca bin, thng xuyn xy ra v gy tn tht ln + c bo him trong............................ + bao gm cc ri ro sau: 1/ Mc cn 2/ Chm m 3/ Chy n 4/ m va 5/ Mt tch 6/ Vt khi tu

1/

Mc cn (stranding)

L hin tng y tu chm y bin hoc nm trn mt chng ngi vt lm cho tu khng chy c, hnh trnh b gin on v phi nh tc ng ca ngoi lc thot cn Ch bi thng mc cn trong 2 trng hp:

BT tn tht c quy l hp l l do mc cn gy ra
8

2/

Chm m (sinking)

L hin tng ton b con tu b chm hn xung nc, y tu chm y bin, tu khng chy c, hnh trnh b hu b hon ton - chm m do thin tai, tai nn bt ng - chm m do chin tranh hoc v kh chin tranh

3/

Chy n (FIRE)

L hin tng xy hng ho hay vt th khc trn tu c to nhit lng cao Chy thng thng: chy do nguyn nhn khch quan Chy ni t: chy do TBH t ln men, ta nhit v bc chy do bn cht ca TBH

10

4/ -

m va (collision)

L hin tng phng tin vn chuyn va chm vi bt k vt th c nh hay di ng no trn bin, ngoi tr nc + Tu m va vi tu + Tu m va vo vt th khc ngoi tu bin (cu cng, tng ngm, bng tri, cc cng trnh kin trc trn bin)

11

5/ -

Mt tch (missing)

+ +

L hin tng tu vn chuyn khng n cng ch quy nh v sau mt thi gian hp l k t ngy ch tu khng nhn c tin tc g v con tu . Thi gian hp l: Php: Anh:

Vit Nam:
12

6/ -

Vt khi tu (jettison)

+ + -

L hnh ng vt ti sn khi tu vi mc ch lm nh tu, lm cn i tu cu tu , hng khi c him ho. TS vt khi tu: hng ho mt b phn ca tu (vt phm hay cc TTB trn tu) Khng BT nu:

13

Ri ro ph
L nhng ri ro t xy ra, thng pht sinh i vi hng ho v ch c BH trong............................ - C th mua bo him ri ro ph km vi..........................
-

- Bao gm cc ri ro sau: 1/ Hp hi 8/ v 2/ Nng 9/ Bp, cong, vnh 3/ Ly hi 10/ Va p 4/ Ly bn 11/ Nc ma 5/ Han g 12/ Trm cp 6/ Mc cu 13/ Cp bin 7/ Rch 14/ Hnh vi c 15/ Giao thiu hoc khng giao 14 hng

b.

Nhm ri ro phi bo him ring

- l cc ri ro b loi tr trong cc KBH gc, nhng c th c BH nu mua thm cc KBH c bit.

- Bao gm 2 ri ro sau:

15

c.

Nhm ri ro loi tr

- L nhng ri ro khng c ngi BH chp nhn bo m trong mi trng hp 1/ Li c ca ngi c BH 2/ Bun lu 3/ Ni t 4/ n t 5/ Tu khng kh nng i bin 6/ Tu i chch hng khng c l do chnh ng 16

c.

Nhm ri ro loi tr

7/ Mt kh nng t ch v ti chnh ca ch tu 8/ Cc thit hi ti chnh do chm tr ngay c khi chm tr l do ri ro c bo him gy ra 9/Bao b khng y hoc ng gi khng thch hp 10/ Xp hng khng y hoc sai quy cch 11/ Phng x, nhim phng x, phn ng 17 ht nhn, nng lng nguyn t

3.

Tn tht trong bo him hng hi

3.1. Khi nim Tn tht l mt thut ng dng ch tnh trng mt mt, h hi hay gim gi tr, gi tr s dng ca TBH theo mt HBH do s tc ng ca ri ro. Tn tht l hu qu ca ri ro Tn tht l i lng o lng v phn nh mc nghim trng ca ri ro 3.2. Phn loi a. Cn c vo mc (quy m) ca tn tht: - Tn tht b phn (Partial Loss) - Tn tht ton b (Total Loss)
18

Tn tht b Phn (Partial Loss) TTBP l s mt mt, h hng hay gim gi tr mt phn TBH theo mt HBH. Trch nhim ca ngi BH: -A=V -A<V

19

Tn tht ton b (Total Loss) TTTB l s mt mt, h hng hay gim gi tr hon ton TBH theo mt HBH. TTTB gm hai loi: + TTTB thc t (Actual Total Loss) + TTTB c tnh (Constructive Total Loss)

20

tn tht ton b thc t L tn tht ton b, thc t xy ra mt trong cc trng hp sau: + b ph hu hon ton + b h hng nghim trng dn n khng cn l vt phm vi hnh dng v tnh cht ban u + ngi c BH b tc quyn s hu vi TBH

TN ca ngi BH:
21

TN tht ton b c tnh N: l tn tht ca TBH cha mc hon ton nhng xt thy TTTBTT l khng th trnh khi hoc c th trnh c nhng chi ph b ra cu cha, khi phc v a TBH v ch li bng hoc vt qu tr gi ca n Cc trng hp: + TTTB thc t khng trnh khi + TTTB xy ra v mt ti chnh

X l:

22

T b i tng bo him L hnh ng ca ngi c bo him t nguyn t b mi quyn li ca mnh i vi TBH cho ngi BH trong trng hp tn tht ton b c tnh c bi thng ton b Tc dng: + Ngi bo him: + Ngi c bo him:
23

T b i tng bo him
Nguyn tc: - Vic t b phi c lm bng vn bn + Thng bo t b TBH - NOA (Notice of Abandonment): phi gi trong ... ngy k t ngy pht sinh s kin dn n hnh ng TBTBH + Vn bn tr li chp nhn hay t chi NOA phi gi trong.... ngy k t ngy nhn c NOA - Khi t b c chp nhn th khng thay i c na - TB phi v iu kin v hp l + ch t b khi cn trong hnh trnh 24 + ch t b khi cha xy ra TTTBTT

3.2. Phn loi

b. Cn c vo trch nhim ca cc quyn li c mt trn tu i vi TT (tnh cht ca TT) Cc quyn li c bn c mt trn tu:

- Tn tht ring (Particular Average) TTR

- Tn tht chung (General Average) TTC

25

a.

Tn tht ring (particular Average)

N: l TT ch gy thit hi cho ring quyn li ca mt ch s hu i vi ti sn b TT ch khng lin quan n cc quyn li khc c mt trong hnh trnh

Nguyn nhn: Tnh cht tn tht:

26

Tn tht ring (particular Average)

a im xy ra:

Mc :

Gi tr tn tht ring: l gi tr ca ti sn b tn tht ring Chi ph tn tht ring (chi ph ring): chi ph cn thit hp l nhm mc ch gim thiu, hn ch tn tht. 27 BH ch bi thng nu

Tn tht chung (general Average) nh ngha Nguyn tc xc nh

c trng ca TTC
Ni dung ca TTC Trch nhim ca cc bn khi xy ra TTC

Lut l gii quyt TTC

Phn b TTC
28

nh ngha Nguyn tc xc nh
N: TTC l nhng hi sinh hay chi ph c bit c tin hnh mt cch hu v hp l nhm mc ch cu tu, hng v cc ph thot khi mt s nguy him chung, thc s i vi chng trong mt hnh trnh chung trn bin. cc quyn li c mt trong hnh trnh: Nguyn tc xc nh: - TTC phi v an ton chung - Nhng chi ph pht sinh tuy khng phi l cn thit trnh him ho cho tu v hng nhng l hu qu trc tip ca hnh ng TTC v v li ch chung nn cng c cng nhn l TTC.
29

c trng ca tn tht chung 1/Phi c nguy c thc s, e do nghim trng ti ton b hnh trnh 2/Phi c hnh ng TTC - Hnh ng TTC l hnh ng hon ton t nguyn v c dng ca ngi trn tu nhm mc ch cu ton b hnh trnh thot khi him ho.

3/Hi sinh v chi ph b ra phi bt thng 30 v

c trng ca tn tht chung 4/Hi sinh v chi ph b ra phi hp l

5/Tn tht l hu qu............................ ca hnh ng TTC 6/TTC ch xy ra ............................

31

Ni dung ca tn tht chung 1/Hi sinh tn tht chung (HSTTC) L s hi sinh mt phn ti sn cu nhng ti sn cn li trong hnh ng TTC

2/Chi ph tn tht chung (CPTTC) L nhng chi ph phi tr cho ngi th ba trong vic cu tu, hng v cc ph thot nn hoc nhng chi ph lm cho tu tip tc hnh trnh
32

Chi ph tn tht chung bao gm:

+ chi ph lm ni tu khi mc cn + chi ph thu lai dt ko tu + chi ph ti cng lnh nn - chi ph ra vo cng lnh nn - chi ph dch chuyn, xp d hng ho, nhin liu, d tr - chi ph lu kho, lu bi hng ho - chi ph tng thm ca nhin liu - chi ph sa cha tm thi, thay th ph tng + tin li ca s tin c cng nhn l tn tht chung 33

Trch nhim ca cc bn khi xy ra TTC - Ch tu: + tuyn b TTC + mi chuyn vin GTT + mi chuyn vin phn b TTC + lp khng ngh hng hi (nu cn) + gi 2 VB cam oan ng gp TTC cho ch hng Bn cam oan ng gp TTC (Average Bond)
34

Trch nhim ca cc bn khi xy ra TTC

Giy cam oan GTTC (Average Guarantee):

Khng c bo lnh: - Ch hng: + k khai b sung gi tr hng ho (nu cn) + nhn 2 VBCGTTC t thuyn trng
35

Lut l gii quyt TTC - Quy tc York 1864 - Quy tc York Antwerp 1924 + 1950, 1974,1990,1994, 2004 + K gii thch + K ti cao + K k hiu mu t + K k hiu s

36

Phn b tn tht chung - L vic tnh ton phn chia s tin m cc quyn li c cu thot c ngha v ng gp vo TTC. - Bc 1: xc nh ch s phn b tn tht chung (t l ng gp):

37

Phn b tn tht chung Xc nh gi tr chu phn b ca tu, hng:

38

Phn b tn tht chung - Bc 2: xc nh s tin phi ng gp vo TTC ca tng quyn li (Contribution):

- Bc 3: xc nh kt qu ti chnh ca tng quyn li:

39

II. Bo him hng ho xut nhp khu chuyn ch bng ng bin 1. S cn thit ca BHHHXNKCCBB 2. Cc iu kin bo him 3. Phm vi trch nhim ca ngi bo him

4. Hp ng bo him
5. Gim nh, khiu ni v bi thng tn tht
40

1.

S cn thit ca BH HHXNK chuyn ch bng ng bin 1/ Vn ti B cha ng nhiu ri ro 2/ Vn tc chm, hnh trnh ko di, xc sut xy ra ri ro cao 3/ Khi lng v tr gi HH chuyn ch bng B ln 4/ Trch nhim ca ngi chuyn ch B theo cc CQT cn rt hn ch 5/ BH cho HHXNK chuyn ch bng B t lu tr thnh mt tp qun trong TMQT
41

2.

Cc iu kin bo him

2.1. Cc iu kin bo him ca Anh a. SG form 1779 (n bo him dnh cho tu, hng ca Lloyds nm 1779) b. ICC 1963 (B cc KBH dnh cho hng ha ca ILU nm 1963) c. ICC 1982 (B cc KBH dnh cho hng ha ca ILU nm 1982) d. ICC 2009 (B cc KBH dnh cho hng 42 ho ca ILU nm 2009)

a.

SG form 1779

L mu n bo him do Lloyds pht hnh nm 1779 (The ship and good form of Marine Insurance Policy) Dnh cho c tu v hng bt cp S dng ting Anh c lm cho vic din t cc ri ro l khng r rng, d gy hiu nhm

43

b.

ICC 1963

ILU (Institute of London Underwriters) Gm 5 KBH ch yu: 1/ FPA Free of Particular Average 2/ WA With Average 3/ AR All Risks 4/ WR War Risk 5/ SRCC Strikes, Riots, Civil Commotion

44

b.

ICC 1963

u im: - Ch dnh cho hng ho - C nhiu KBH cho ngi tham gia BH la chn - C hai KBH c bit cho ri ro CT, C Nhc im: - Vn s dng ting Anh c - Vic gi tn cc KBH theo ngha v chnh l khng hp l, d gy hiu nhm - Cha cp n RR cp bin trong KBH gc - Bt buc s dng mu SG form
45

c.

ICC 1982

ICC 1963 ICC 1982 Gm 5 KBH ch yu: 1/ C 2/ B 3/ A 4/ WR 5/ SRCC

46

2.

Cc iu kin bo him

2.2. Cc iu kin bo him ca Vit Nam QTC 1965:

QTC 1990:

QTCB 1995, QTCB 1998, QTCB 2004

47

3. Phm vi trch nhim ca ngi BH ICC 1982

3.1. TN ca ngi BH theo A, B, C a. TN i vi ri ro, tn tht b. Khng gian v thi gian trch nhim 3.2. TN ca ngi BH theo KBH WR, SRCC (SGK) a. KBH chin tranh WR b. KBH nh cng SRCC

48

3.1. TN ca ngi BH theo A, B, C a. TN i vi ri ro, tn tht Ri ro c bo him: Ri ro loi tr: - Ri ro loi tr tng i - Ri ro loi tr tuyt i

49

Ri ro, tn tht c bo him (C)

1/ Mc cn, chm m, chy n, m va, lt p 2/ D hng ti cng lnh nn 3/ Phng tin vn chuyn ng b b lt hoc trt bnh 4/ Tu v hng mt tch 5/ Vt hng xung bin 6/ Hi sinh tn tht chung
50

Ri ro, tn tht c bo him (C) 7/ Cc chi ph hp l: - Mc ............................ c phn b cho CH - Chi ph ............................ - Chi ph ............................ - Chi ph ............................ - Chi ph ............................ - Chi ph d hng, lu kho bi v tip gi hng ti cng lnh nn - Phn TN m ch hng phi chu 51 theo.....................

Phn trch nhim m ch hng phi chu theo K Both to blame collission

52

Ri ro, tn tht c bo him (B) iu kin B = 8/ ng t, ni la phun, st nh 9/ Nc cun khi tu 10/ Nc bin, sng, h trn vo hm tu, khoang cha hng, x lan, container, phng tin vn ti 11/ ............................ do ri khi tu hoc b ri trong qu trnh xp d xung tu hoc x lan 53

Ri ro, tn tht c bo him (A) Bi thng mi mt mt, h hng ca TBH tr .................................. Lit k c th cc ri ro loi tr: - Ri ro loi tr tng i: phi bo him ring theo cc KBH c bit: 1. Chin tranh KBH WR 2. nh cng KBH SRCC - Ri ro loi tr (tuyt i)
54

Ri ro loi tr tuyt i
Trong mi trng hp khng bo him cho: 1/ Li c ca ngi c bo him 2/ R r hay hao ht thng thng v trng lng, khi lng, hao mn t nhin ca hng 3/ Bao b khng y hoc khng thch hp 4/ Ni t, n t ca hng ho 5/ Xp hng qu ti hoc sai quy cch
55

Ri ro loi tr tuyt i 6/Mt kh nng t ch v ti chnh ca ch tu 7/ Thit hi do chm tr ngay c khi chm tr l do RRBH gy ra 8/ Nhim phng x, phn ng ht nhn, nng lng nguyn t 9/ Tu hoc x lan khng kh nng i bin hay tnh trng khng thch hp ca cc phng tin vn ti trong chuyn ch
56

b.

Khng gian v thi gian trch nhim

iu khon hnh trnh (transit clause): - Trch nhim ca ngi bo him bt u k t khi hng ho ri kho hoc ni cha hng ti a im ghi trn HBH, c hiu lc trong sut qu trnh vn chuyn bnh thng v trch nhim kt thc khi hng ho giao vo kho n hoc ht 60 ngy k t khi hng ho c d ra khi tu ti cng n, tu trng hp no xy ra trc Gii thch iu khon hnh trnh:
57

b.

Khng gian v thi gian trch nhim

- Khng gian: + Kho i: kho ti hng ho c ng gi hon chnh, sn sng cho vic vn chuyn + Kho n: * kho ca ngi nhn hng quy nh trong HBH * kho hoc ni cha hng trc khi ti ni n hoc ni n m ngi c BH la chn : lu kho ngoi HTVC bnh thng phn phi hng ho
58

b.

Khng gian v thi gian trch nhim

- Thi gian: + Bt u: + Kt thc: * hng c a vo kho n * ht 60 ngy k t ngy hng c d ra khi tu ti cng ch iu khon ...............................................

59

3.2. TN ca ngi BH theo 2 KBHB (SGK)

a. KBH chin tranh WR Ri ro, tn tht c bo him Khng gian v thi gian trch nhim b. KBH nh cng SRCC Ri ro, tn tht c bo him Khng gian v thi gian trch nhim

60

a.

KBH chin tranh WR

Ri ro, tn tht c bo him 1/ Chin tranh, ni chin, cch mng, khi ngha, ni lon, xung t dn s pht sinh t nhng bin c hay bt c hnh ng th ch no 2/ B chim ot, tch thu, bt gi, kim ch 3/ V kh chin tranh cn st li 4/ ng gp tn tht chung
61

a.

KBH chin tranh WR

Khng gian v thi gian trch nhim: - Khng gian: - Thi gian: + Bt u: + Kt thc: * hng c d ra khi tu ti cng ch quy nh * ht 15 ngy k na m ngy tu cp cng ch quy nh
62

b.

kbh nh cng srcc

Ri ro, tn tht c bo him 1/ nh cng, cm xng, bo ng, ri lon lao ng hay ni dy ca dn chng 2/ Khng b hay bt c ngi no hnh ng v mc ch chnh tr 3/ Tn tht chung v chi ph cu nn Khng gian v thi gian trch nhim: iu khon .........................................
63

4.

Hp ng bo him

4.1. Khi nim 4.2. Tnh cht 4.3. Cc chng t lin quan n HBH 4.4. Cc loi hp ng bo him 4.5. Mt s ni dung ch yu ca HBH

64

4.1. Khi nim Khi nim: l VB tho thun gia hai bn, trong bn BH cam kt s bi thng cho bn c BH nhng tn tht ca TBH do cc RRBH gy ra vi K bn c BH np ph BH.

65

4.2. Tnh cht - L mt hp ng ............................

- L mt hp ng............................

- L mt chng t............................
66

4.3. Cc chng t lin quan n HBH Giy yu cu bo him: khng c gi tr php l nhng l c s lp chng t bo him Chng t bo him: n BH hoc giy chng nhn BH L bng chng ca HBH c k kt L c s php l gii quyt tranh chp pht sinh Vn bn sa i b sung (Endorsement)
67

n bo him
Mt trc: l cc , ct, mc trng ngi lp n BH in thng tin vo, bao gm: + Tn, a ch ca ngi BH v ngi c BH + Tn hng, s lng, trng lng, s vn n + Tn tu, ngy khi hnh + Cng i, cng n, cng chuyn ti (nu c) + KBH, A, V, R, I + Ni v c quan gim nh tn tht + Ni v cch thc bi thng + Ngy, thng v ch k ca ngi BH Mt sau: in sn quy tc, th l, KBH ca cng 68 ty BH

4.4. Cc loi hp ng bo him

a. b. c. d. HBH chuyn HBH bao HBH nh gi HBH khng nh gi

69

a.

HBH chuyn (Voyage Policy)

L hp ng BH cho mt chuyn hng c chuyn ch t a im ny n a im khc quy nh trn HBH Hiu lc: Hnh thc:

70

b. HBH bao/ m (Cover/ Open Policy) L HBH cho nhiu chuyn hng trong mt thi gian nht nh. u im:

Hiu lc:

Hnh thc:
71

c. HBH nh gi (Valued Policy) 228.2c BLHH 2005: n BH nh gi l BH trong ngi BH ng trc gi tr ca TBH ghi trong BH, ph hp vi gi tr c BH v c s dng khi gii quyt bi thng tn tht ton b hoc bi thng tn tht b phn V:

72

c. HBH nh gi (Valued Policy)

228.2d BLHH 2005: n BH khng nh gi l BH khng ghi gi tr ca TBH nhng s tin bo him phi c ghi r trong BH

73

4.5. Mt s ni dung ch yu ca HBH

a. b. c. d. e. Ngi c bo him i tng bo him Tr gi bo him S tin bo him Ph bo him

74

a.
Ngi XK:

Ngi c bo him

Ngi NK:

75

Cn c mua BH ng cho hng ho

+ c im, tnh cht ca hng ho + Cch thc ng gi v loi bao b + Cch thc xp hng + Phng tin vn chuyn + Hnh trnh chuyn ch + Tnh trng ca cng xp d

76

b.

i tng bo him

Hng ho XNK chuyn ch bng ng bin Li d tnh (nu c yu cu): l mt t l phn trm nht nh ca gi CIF.

77

c.

Tr gi bo him - V

232 BLHH 2005: Gi tr BH ca hng ho l gi tr hng ho ghi trn ho n ni bc hng hoc gi th trng ni v thi im hng cng vi ph BH, tin cc vn chuyn v c th c tin li c tnh

78

d.

S tin bo him - A

Nguyn tc: A <= V - A<V - A=V - A>V Bo him trng (234): l trng hp mt TBH c BH theo hai hay nhiu cng ty BH cho cng mt ri ro hng hi m tng s tin BH ca tt c cc n BH li vt qu tr gi BH bi thng theo nguyn tc...............................
79

e.
Cng thc:

Ph bo him - I

Np ph BH (DD240 BLHH 2005): np ngay sau khi c cp BH hoc GCNBH

80

f.

T l ph bo him - R

R: t l ph bo him R ph thuc vo cc yu t sau: - c im, tnh cht ca hng ho - cch ng gi, bao b - phng tin vn chuyn (tu gi ng thm ph ph tu gi) - hnh trnh vn chuyn - iu kin bo him

81

5. Gim nh, khiu ni v bi thng tn tht 5.1. Gim nh tn tht 5.2. Khiu ni a.Thi hn khiu ni b.B h s khiu ni 5.3. Bi thng tn tht a.Nguyn tc b.Cch tnh s tin bi thng c. Thi hn bi thng
82

5.1. Gim nh tn tht

Trch nhim GTT:

Mc ch: - Xc nh ............................ dn n TT - Xc nh ............................ ca TT - Phn nh ............................ ca cc bn lin quan KQGTT: chng th GTT - BBGTT (Survey Report) - GCNGTT (Certificate Report)

83

5.2. Khiu ni
a. Thi hn khiu ni ICC 1963/ QTC 1965: ... nm k t ngy xy ra tn tht hoc pht hin tn tht ICC 1982/ QTC 1990: ... nm k t ngy xay ra tn tht hoc pht hin tn tht B Lut HHVN 2005 (257): ... nm k t ngy pht sinh quyn khiu ni Trong trng hp tn tht c lin quan n ngi th ba c li: ... thng k t ngy pht sinh quyn khiu ni
84

5.2. Khiu ni b.B h s khiu ni Yu cu v hnh thc: - y : + cc loi chng t cn thit + s lng cc bn vi mi loi chng t - Hp l: + Ni dung khng mu thun + B HSKN phi c gi trong thi hn KN Yu cu v ni dung: Yu cu v cc loi chng t trong b HSKN
85

Chng t trong b HSKN ngi bo him 1/ n khiu ni 2/ n BH hoc GCNBH 3/ Chng t v hng ho (HMB, HTM) 4/ B/L hoc C/P 5/Chng t bo lu quyn KN ngi th ba 6/ Khng ngh hng hi/ Nht k hng hi 7/ i vi tng trng hp c th: Hng v, h hng, gim phm cht: + Bin bn gim nh tn tht (Survey 86 Report)

Chng t trong b HSKN ngi bo him

+ Bin bn d hng (COR) + Bin bn v h hng do Cng gy ra + Th d khng (LOR) nu nghi ng tn tht Hng b thiu nguyn bao, nguyn kin: + Bn kt ton nhn hng vi tu (ROROC) + Giy chng nhn hng thiu + Kt ton li (nu c) TTC: + Tuyn b tn tht chung + Bn tnh ton phn b tn tht chung + 2 vn bn cam oan ng gp tn tht chung
87

5.3. Bi thng tn tht

a.Nguyn tc

b.Cch tnh s tin bi thng

c. Thi hn bi thng

88

a.

Nguyn tc

Bi thng ............................ Gii hn trch nhim ca ngi BH: STBT A - Ngi BH vn phi chu TN i vi s tn tht cng vi cc chi ph hp l cho d tng s tin bi thng c th vt qu A. - Cc chi ph hp l bao gm:

89

a.

Nguyn tc

Trc khi bi thng, ngi BH c php ............................ cc khon tin m ngi c bo him i c t ngi th ba c TN i vi TT Sau khi bi thng, ngi BH c php ............................ ngi c BH i i ngi th ba phn TT thuc TN ca ngi

90

b.

Cch tnh s tin bi thng

Tn tht ring: - Tn tht ton b: + TTTBTT: + TTTBT: * C t b hng v c chp nhn: * Khng t b hng hoc t b khng c chp nhn:

91

b.

Cch tnh s tin bi thng

Tn tht ring: - Tn tht b phn: +A=V +A<V

(1)
(2)

92

b.

Cch tnh s tin bi thng

Tn tht chung:

93

c.

Thi hn bi thng
HSKN y v hp l

ngy k t ngy nhn c b

94