Nhm 2 Mn: Bo him

Bo him ton din hc sinh

Ngi c bo him: Hc sinh ang theo hc cc trng: nh tr, mu gio, ph thng c s, ph thng trung hc, cc trng i hc, cao ng, trung hc chuyn nghip, hc sinh hc ngh ti Vit Nam.

Bo him ton din hc sinh

Phm vi bo him: Bo him ton din hc sinh ch m bo nhng ri ro xy ra trong lnh th Vit Nam. Phm vi bo him nghip v ny c chia thnh 4 iu kin bo him l A, B, C v D. Ngi tham gia bo him c th la chn tham gia hai hay nhiu iu kin bo him .

IU KIN Phm vi BO bo him HIM

Din gii c th

Ri ro iu c bo Trng hp cht do m au, bnh tt. him kin A

Sau 30 ngy k t ngy ng ph bo him Hiu lc (thi gian ch ny khng p dng cho hp bo him ng ti tc).

Bo Vit s tr ton b s tin bo him ghi Quyn li trn hp ng bo him hoc giy chng bo him nhn bo him.

Ri ro c Trng hp cht hoc thng tt thn th do tai bo nn. him Hiu lc bo him Hp ng bo him c hiu lc ngay sau khi ngi tham gia bo him hon thnh th tc ng ph theo quy nh - Trng hp cht do tai nn thuc phm vi bo him, Bo Vit s tr ton b s tin bo him ghi trn hp ng bo him hoc giy chng nhn bo him.

iu kin B

Quyn li bo - Trng hp thng tt thn th do tai nn him thuc phm vi bo him, Bo Vit tr tin bo him theo bng t l tr tin bo him ban hnh km theo quyt nh s 05/TCBH ngy 2/1/1993

Ri ro cbo him iu kin C Hiu lc bo him Quyn li bo him Ri ro c bo him Hiu lc bo him Quyn li bo him

Tr cp nm vin, phu thut do m au, bnh tt

Sau 30 ngy k t ngy ng ph bo him y (thi gian ch ny khng p dng cho hp ng ti tc). BO VIT tr tin theo bng t l phu thut ban hnh km theo Quyt nh s 2963/PHH2-97 ngy 23/12/97 ca Tng Gim c Tng Cng ty bo him Vit Nam. Tr cp nm vin do m au, bnh tt, thng tt thn th do tai nn Sau 30 ngy i vi trng hp m au, bnh tt (thi gian ch ny khngp dng cho trng hp tai nn hoc hp ng ti tc). BO VIT tr tr cp nm vin mi ngy 0,3% s tin bo him, khng qu 60 ngy/nm.

iu kin D

Bo him ton din hc sinh

1. 2.

Loi tr bo him:

3. 4. 5.

Loi tr p dng chung cho cc iu kin Hnh vi c ca ngi c bo him hoc ngi th hng. Hc sinh trung hc c s tr ln vi phm nghim trng php lut, ni quy, quy nh ca chnh quyn a phng hoc cc t chc x hi, vi pham nghim trng lut l an ton giao thng. B nh hng ca ru, bia, ma tu hoc cc cht kch thch tng t khc, b nhim HIV, AIDS. Tham gia nh nhau, tr vi mc ch t v. ng t, ni la, nhim phng x, chin tranh, ni chin, nh cng.

Bo him ton din hc sinh

Loi tr p dng ring cho iu kin C v D
1.
2. 3. 4.

5. 6.

Nhng iu kin ny khng nhn bo him v khng chi tr tin bo him cc trng hp : Nm vin kim tra sc kho, khm gim nh y khoa m khng lin quan n vic iu tr bnh tt, thng tt. iu tr, phu thut cc bnh tt bm sinh, nhng thng tt v ch nh phu thut trc khi bo him. iu tr, phu thut theo yu cu ca ngi c bo him m khng lin quan n vic iu tr v phu thut bnh thng do ngnh y t qui nh. To hnh thm m, chnh hnh, phc hi chc nng, lm gi v lp cc b phn ca c th. Nhng bnh c bit v bnh c sn trong nm u tin tham gia bo him

Bo him ton din hc sinh

1. 2. 3.

S tin bo him:
iu kin A: n 20.000.000 ng/ngi/v. iu kin B: n 20.000.000 ng/ngi/v. iu kin C: n 20.000.000 ng/ngi/nm. iu kin D: n 20.000.000 ng/ngi/nm.

4.

Bo him ton din hc sinh

Ph bo him:

i vi mi iu kin, Ngi tham gia c php ng k 1 mc trch nhim. Nh vy ngi tham gia c php la chn 4 mc trch nhim khc nhau cho 4 iu kin ny. i vi mi iu kin , nh bo him s p dng cc t l ph khc nhau (t l ny khc nhau ty vo tng cng ty) Tng ph ca cc hng mc bo him s l ph ca hp ng bo him.

Bo him ton din hc sinh

Tr tin bo him:

Khi yu cu cng ty bo him tr tin bo him, ngi c bo him hoc ngi th hng phi gi cho CTBH cc giy t :

Giy yu cu tr tin bo him c xc nhn ca nh trng, chnh quyn a phng hoc cng an ni ngi c bo him b tai nn (TH b tai nn); Giy chng nhn bo him hoc bn sao danh sch ngi c bo him; Cc chng t y t hp l lin quan n vic iu tr: Giy ra vin, Phiu iu tr, Phiu m (TH phi phu thut), n thuc, Bin lai thu tin vin ph, Giy chng t (trng hp cht); TH ngi th hng l ngi tha k hp php phi c thm Giy xc nhn quyn tha k hp php. TH ngi c bo him y quyn cho ngi khc nhn s tin bo him, phi c giy y quyn hp php.