Professional Documents
Culture Documents
I. Cc bin php i ph v x l ri ro
ii. Cc khi nim c bn III. Phn loi bo him IV. Tc dng ca bo him
V. Cc nguyn tc c bn ca bo him
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1.
Cc bin php i ph v x l 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.
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:
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: - Hn ch: Bo him (Insurance): - L hnh thc pht trin cao hn ca CNRR
1. Bo him (Insurance) 2. Ti bo him (Re-Insurance) 3. Bn bo him Ngi bo him (Insurer) 4. Bn c bo him (Insured/Assured) 5. i tng bo him (Subject-matter insured) 6. Tr gi bo him (Insurance Value - V) 7. S tin bo him (Insurance Amount - A) 8. Ph bo him (Insurance Premium - I) 9. Ri ro (Risk) 10.iu kin bo him 6
1. a. nh ngha
Bo him (Insurance)
I HBH
KBH
TBH
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. Tho lun:
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1. b.
Bo him (Insurance)
Tnh 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 c bo him sang cho ngi bo him Bo him l s phn tn ri ro, chia nh tn tht, tun theo quy lut s ln Bo him l mt bin php kinh t nhm gii quyt hu qu ca ri ro v mt ti chnh 9
2.
L phng thc trong ngi bo him nhng mt phn trch nhim chp nhn vi ngi c bo him sang cho mt hay nhiu ngi bo him khc trn c s nhng li mt phn ph bo him thng qua hp ng ti bo him.
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3.
L ngi kinh doanh dch v bo him, l ngi nhn trch nhim v ri ro t hp ng bo him C quyn thu ph bo him Phi bi thng khi s kin bo him xy ra. Hnh thc ca doanh nghip BH
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4.
Bn c bo him (Insured)
Ngi tham gia BH: trc tip k kt HBH v np ph bo him Ngi c BH: c ti sn, TNDS, tnh mng c BH theo mt HBH Ngi th hng BH: c nhn tin bi thng khi s kin BH xy ra
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5.
L i tng nm trong tnh trng chu s e do ca ri ro 3 loi TBH: + Ti sn: + Con ngi:
+ Trch nhim dn s:
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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. - TS mi: - TS qua s dng:
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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 gii hn 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.
R: R do cng ty BH xc nh trn c s:
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9.
Ri ro (Risk)
- Khi nim: l nhng mi nguy him bt trc m con ngi khng lng trc c v l nguyn nhn dn n tn tht. - Tnh cht:
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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:
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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.
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 i tng tham gia BH: Ngi BH:
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2.
2.1. Bo him bt buc Cc loi hnh BH bt buc: - BHTNDS ca ch xe c gii - BHTNDS ca ngi vn chuyn hng khng i vi hnh khch - BHTN ngh nghip i vi hot ng t vn php lut - BHTN ngh nghip ca DN mi gii BH - BH chy, n 2.2. BH t nguyn Khng mang tnh bt buc 23
3.
Cn c vo i tng bo him
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5.
Cn c vo mt lnh vc
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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 hi26
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 (Indemnity) 5. Nguyn tc th quyn (Subrogation) 27 6. Nguyn tc gp phn
1.
Ri ro c th c BH: - Ngu nhin, c xc sut - Khng phi l ri ro .. - Phi c tnh .. - Khng gy . - Khng tri vi cc v cc - RRBH l dn n tn tht 28
2.
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.
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. 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.
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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.33
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.
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 Tc dng: