Hi nhng bn tr FTU pht cung v mn Bo him

Chng 1: Cu 1: cc bin php i ph vi ri ro m con ngi p dng 1. Nhm cc bin php kim sot ri ro: ngn chn/ gim thiu kh nng xy ra ri ro hoc lm gim mc tn tht thit hi do ri ro gy ra. 1.1Trnh n ri ro: ko lm vic j qu mo him, ko chc chn. Hn ch: - Lo s ri ro => ko khm ph c - Ko phi bin php no cng trn trnh c 1.2Ngn nga, hn ch ri ro: s dng 1 s bin php phng, ngn nga, hn ch ri ro & hu qu Hn ch: - Ko lm trit tiu tn tht, bin mt ri ro 2. Nhm cc bin php ti tr ri ro: khc phc tn tht do hu qu ri ro gy ra (s dng trc khi ri ro xy ra) 2.1Chp nhn ri ro (t khc phc rr) - Chp nhn ri ro th ng: ko c s chun b trc i ph vs hu qu ca RR (ko fai bin php ti tr ri ro) - Chp nhn ri ro ch ng: d tr tin khc phc hu qu rr khi n xy ra *** T bo him: c nhn, h g; DN, t chc KT Hn ch: - Ko phi ai cng c sn tin d tr - Tin d tr ko b p c rr - Gy ng vn do d tr vn -> ko u t c 2.2Chuyn nhng rr: - Lp qu d tr chung trong 1 cng ng (theo lut s ln): ** Bn cht: san s = cch chuyn nhng rr => phn tn rr, chia nh tn tht ca 1 c nhn trong tp th ** Hn ch: kh nng tp hp s ng thp - Bo him: hnh thc cao hn chuyn nhng rr, do kh nng thu ht ngi tham gia vo BH ln ** u im: khc phc c hn ch ca cc bin php khc + BH ko lm bin mt rr, nhng c th trit tiu tn tht + BH ko gy ra tnh trng ng vn v ngi BH dng qu BH u t vo vic khc.

Hi nhng bn tr FTU pht cung v mn Bo him

Cu 2: Nu khi nim v phn tch bn cht ca bo him 1. Khi nim: Bo him: l s cam kt bi thng ca ng BH vs ng c BH v nhng thit hi, mt mt ca tg BH do 1 ri ro tha thun gy ra, vi iu kin ng c BH thu BH cho tg BH & np 1 khon tin gi l ph BH. 2. Bn cht ca BH: Bn cht: l vic phn chia tn tht ca 1 hoc 1 s ng ra cho tt c nhng ng tham gia BH cng chu. V: khi tham gia 1 nghip v BH, nu tg BH ca NBH b tn tht do 1 RRBH th NBH s bi thng cho NBH, s tin bi thng ly t s ph BH I m tt c nhng ngi tham gia BH ng cho NBH. Trong s ko phi tt c u b tn tht m ch 1 hoc 1 s ng, nhng ng cn li ng nhin s mt ko s ph BH I np. Do : BH ch hot ng trn c s lut s ng, cng nhiu ng tham gia th xc sut xy ra ri ro i vs tng ng cng nh v BH cng c li.

Cu 3: Ti sao ni bo him c tc dng lm tng cng cng tc phng, ngn nga ri ro, hn ch tn tht? V: bn cht ca BH l vic phn chia tn tht ca 1 hoc 1 s ng ra cho tt c nhng ng tham gia BH cng chu. Do , cng nhiu ng tham gia mua BH th xc sut xy ra rr i vs tng ng cng nh & BH cng c li => ngn nga ri ro, hn ch tn tht. BH ch hot ng theo quy lut s ng, tc l ch c th thc hin khi c s ngi tham gia BH l ln v c ng ph BH cho tg BH. Chnh s ph BH ny lm gim 1 lng vn nhn ri u t vo nhng lnh vc khc. Doanh thu ca vic u t ny s tr thnh qu b p li tn tht m tg c mua BH ca ng BH b ri ro, iu ny khin mi ng tng cng cng tc phng, to tm l an tm trong hot ng KT & i sng.

Cu 4: cc cch phn loi BH. 1. Cn c vo c ch hot ng ca BH: a/ BH x hi: l ch BH ca nh nc, ca on th XH hoc ca cty nhm tr cp cng nhn vin trong trg hp v hu, au m. Gm: ch BH x hi ca cng nhn vin; BH tht nghip; BH y t b/ BH thng mi: l loi BH mang tnh cht KD, kim li. 2. Cn c vo tnh cht BH: a/ BH nhn th: l BH tnh mng, tui th ca con ng Gm: BH trn i, BH sinh k, BH t k, BH hn hp, BH tr tin nh k b/ BH phi nhn th: (cn li)
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Hi nhng bn tr FTU pht cung v mn Bo him

Gm: BH sc khe & BH sc khe con ng; BH hng hi (thn tu, P&I, vn chuyn bng tu bin); BH ti sn, BH hng ko. 3. Cn c vo i tng BH: a/ BH ti sn: b/ BH trch nhim c/ BH con ngi 4. Theo quy nh ca php lut: a/ BH trch nhim dn s ca ch xe c gii b/ BH trch nhim dn s ca ng vn chuyn hng ko i vs khch hng c/ BH trch nhim ngh nghip i vs h t vn php lut d/ BH trch nhim ngh nghip ca DN mi gii BH e/ BH chy, n Cu 6: Ng BH & ng c BH? Ngha v, quyn li c bn ca cc ch th khi k kt hp ng BH? 1.1 Ng BH (bn BH insurer/underwriter): l ng kinh doanh dch v BH, l ng nhn trch nhim v ri ro t H BH - Ngha v: phi bi thng khi c tn tht xy ra - Quyn li: c quyn thu ph BH, v c hng ph BH Hin c 5 hnh thc ca doanh nghip BH: nh nc, c phn, lin doanh, 100% vn nc ngoi, t chc BH tng h - hi P & I 1.2 Ng c BH (bn c BH insured): l ng c li ch BH, l ng b thit hi khi ri ro xy ra v c ng BH bi thng Ngha v - quyn li c bn ca bn c BH: - Ng tham gia BH (ng mua BH): k H BH, phi np ph BH - Ng c BH: c i tng BH (ti sn, TNDS, tnh mng) c BH theo 1 H BH - Ng th hng BH: c nhn tin bi thng t cty BH khi ri ro c BH xy ra *** Note: trong mi loi BH li c cch xc nh bn c BH khc nhau: - i vi BH TNDS: Ng tham gia BH = ng c BH = ng th hng BH Ng tham gia BH = ng c BH b pht sinh TNDS Ng th hng l ng th 3 (ko xc nh trc trong H) - i vi BH Nhn th: ng th hng BH khc nhau trong mi trng hp Cu 10: Nguyn tc trung thc tuyt i trong BH & ngha ca n? 1. Ni dung ca nguyn tc trung thc tuyt i trong BH: C ngi BH ln ng 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 H BH. 2. ngha: a ra mt s yu cu i vi ng BH v ng c BH, gip vic thc hin H BH m bo cng bng cho 2 bn:
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Hi nhng bn tr FTU pht cung v mn Bo him

Ng c BH: - Khai bo chnh xc cc chi tit lin quan n H BH - Thng bo b sung kp thi khi c s gia tng ri ro hay lm pht sinh thm trch nhim BH - Ko c mua BH khi bit i tng BH b tn tht Ng BH: - Cng khai, gii thch cc k, nguyn tc, th l, gi c BH - Chu trch nhim nu dng t ng ko r rang - Ko c bn BH khi bit i tng BH n ni an ton Cu 13: So snh BH x hi & BH thng mi? BO HIM X HI BO HIM THNG MI Tnh cht L ch chnh sch ca Nh nc/ Kinh doanh, kim li on th/ cty nhm tr cp ng lao ng i tng BH Thu nhp ca ng lao ng Con ngi, TNDS, ti sn Ng tham gia Ng lao ng & ng s dng lao ng Tt c mi ngi c li ch BH BH Ng BH Hot ng ko nhm mc ch kinh Hot ng nhm mc ch li nhun doanh Ngun hnh S ng gp ca ng tham gia BH v Do ng tham gia BH ng ph BH thnh qu s h tr ca Nh nc c im ** C tnh cht bt buc, theo lut ** Ko bt buc l, quy nh chung ** C tnh n tng i tng, tng ** Ko tnh n ri ro c th ri ro c th ** Ko nhm mc ch kinh doanh ** Nhm mc ch kinh doanh

Chng 2: Cu 1: Bo him hng hi v cc loi hnh bo him hng hi? 1. nh ngha: Bo him hng hi l bo him nhng ri ro trn bin hoc nhng ri ro trn b, trn sng lin quan n hnh trnh ng bin, gy tn tht cho cc i tng bo him chuyn ch trn bin. 2. Cc loi hnh bo him hng hi: 3 loi
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Hi nhng bn tr FTU pht cung v mn Bo him

2.1Bo him thn tu (Hull insurance): l bo him nhng thit hi vt cht xy ra i vi v tu, my mc & cc thit b trn tu ng thi bo him cc ph, cc chi ph hot ng ca tu & 1 phn trch nhim m ch tu phi chu trong trng hp 2 tu m va nhau. 2.2Bo him trch nhim dn s ca ch tu (P & I insurance): l bo him nhng thit hi pht sinh t trch nhim ca ch tu trong qu trnh s hu, kinh doanh, khai thc tu bin, 2.3Bo him hng ha vn chuyn bng ng bin (Cargo insurance) Cu 2: Ri ro trong bo him hng hi 1. Ri ro: l nhng tai nn, tai ha, s c xy ra 1 cch bt ng, ngu nhin hoc nhng mi e da nguy him khi xy ra th gy tn tht cho i tng bo him VD: tu mc cn, m va hng h hng, thiu ht 2. Phn loi: 2.1Cn c ngun gc sinh ra ri ro: - Thin tai: l nhng hin tng t nhin m con ngi chi phi c - Tai ha ca bin (ri ro chnh): l nhng tai nn xy ra vi con tu ngoi bin (VD: m va vo ngm, mt tch, lt p) - Cc tai nn bt ng khc (ri ro ph): l nhng thit hi do tc ng ngu nhin bn ngoi ko thuc nhng tai nn ca bin ni trn. C th xy ra trn bin (nguyn nhn ko phi l 1 tai nn ca bin), trn b, trn ko - Ri ro do cc hin tng CT XH, do li ca ng c bo him, chin tranh, nh cng - Ri ro do bn cht hoc tnh cht c bit ca i tng bo him, nguyn nhn trc tip l chm tr 2.2Xt v mt bo him: - Ri ro thng thng c bo him: bo him theo cc k bo him gc A, B, C (thin tai, ri ro chnh, ri ro ph) - Ri ro phi bo him ring: mun c bo him phi tha thun, mua thm k bo him v: chin tranh, nh cng, khng b bo him theo cc k bo him ring. - Ri ro ko c bo him: ko c bo him trong mi trng hp. Gm: Ri ro chc chn xy ra Do ni t, bn cht ca hng ha Do li ca ng c bo him Ri ro do thm ha, con ng ko lng trc c quy m, mc & hu qu ca n. Cu 3: Ri ro ph trong bo him hng ha vn chuyn trong ng bin l g? Bao gm nhng ri ro nh th no? c bo him theo nhng cch no?
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Hi nhng bn tr FTU pht cung v mn Bo him

1. inh ngha: Ri ro ph trong bo him hng ha vn chuyn bng ng bin l nhng thit hi do tc ng ngu nhin bn ngoi ko thuc nhng tai ha ca bin (ri ro chnh) 2. Bao gm: 15 ri ro ph 1/ Hp hi 2/ Nng 3/ Ly hi 4/ Han g 5/ Ly bn 6/ Mc cu 7/ Rch 8/ v 9/ Bp, cong, vnh 10/ Va p 11/ Nc ma 12/ Trm cp 13/ Cp bin 14/ Hnh vi c 15/ Giao thiu or ko giao hng 3. c bo him theo 2 cch: - Cch 1: c bo him trong cc k bo him rng nht (chi ph cao) - Cch 2: mua bo him ri ro ph km k bo him hp (tit kim chi ph) Cu 4: Ri ro loi tr trong bo him hng ha chuyn ch bng ng bin theo ICC1982. Trong bo him hng ha chuyn ch bng g bin theo ICC 1982, cn c vo phm vi trch nhim ca ngi bo him theo A, B, C, ri ro loi tr gm 2 loi: Ri ro loi tr tng i Ri ro loi tr tuyt i

4.1 Ri ro loi tr tuyt i (A, B, C): l ri ro m trong mi trng hp u ko c bo him. Gm 10 ri ro loi tr tuyt i: 1/ Li c ca ngi c bo him 2/ R g hay hao ht thng thng v trng lng, khi lng, th tch, hay hao ht thng mi ca hng 3/ Bao b ko y hoc ko thch hp 4/ Ni t, n t ca hng ha 5/ Xp hng qu ti hoc sai quy cch 6/ Mt kh nng t ch v ti chnh ca ch tu 7/ Thit hi ti chnh do chm tr ngay c khi chm tr l do ri ro c bo him gy ra
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Hi nhng bn tr FTU pht cung v mn Bo him

8/ Nhim phng x, phn ng ht nhn, nng lng nguyn t 9/ Hnh vi c ca bt k ng no (hnh vi phi php: ch c loi tr (ko c bo him) trong k B & C, trong k A vn l ri ro ph c bo him 10/ Tu hoc x lank o kh nng i bin hay tnh trng ko thch hp ca cc phng tin vn ti trong chuyn ch. 4.2 Ri ro loi tr tng i: phi bo him ring theo cc k bo him c bit 1/ Chin tranh 2/ nh cng

Cu 5: Ri ro c bo him trong bo him hng ha chuyn ch bng ng bin theo ICC 1982 Cn c theo phm vi trch nhim ca ngi bo him theo A, B, B, trong ICC1982: 5.1 Ri ro, tn tht c bo him trong k C (hp nht): l nhng ri ro chnh 1/ Mc cn, chm m, chy n, am va, lt p (tai nn ca bin) 2/ D hng ti cng lnh nn 3/ Phng tin vn chuyn ng b b lt hoc trt bnh 4/ Tu & hng mt tch 5/ Vt hng xung bin 6/ Hi sinh tn tht chung 7/ Cc chi ph hp l c bi thng 5.2 Ri ro, tn tht c bo him trong k B: k B = k C + cc ri ro, tn tht sau: 8/ ng t, ni la phun, st nh (c ng b + ng sng)
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Hi nhng bn tr FTU pht cung v mn Bo him

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/ Tn tht ton b ca bt k kin hng no do ri khi tu or b ri trong qu trnh xp d xung tu or x lan. VD: 10 kin hng ri xung bin (tn tht ton b) c bi thng 10 kin hng ri xung cu cng, b lm bn (tn tht b phn) ko c bi thng k B, c bi thng k A. 5.3 Ri ro, tn tht c bo him k A: k A = k B + cc ri ro ph (15 ri ro ph khc): bi thng mi mt mt, h hng ca i tng BH tr cc ri ro loi tr.

Cu 6: Tn tht & cc loi tn tht trong bo him hng ha? 1. nh ngha tn tht trong bo him hng ha: L nhng thit hi, h hng, mt mt ca i tng bo him do ri ro gy ra L 1 thut ng dng ch tnh trng mt mt, h hi hay gim gi tr, gi tr s dng ca i tng bo him theo 1 hp ng ho him do s tc ng ca ri ro L hu qu ca ri ro L i lng o lng, phn nh mc nghim trng ca ri ro

2. Phn loi : 2.1 Da vo mc tn tht : a/ Tn tht b phn : L 1 phn ca i tng bo him theo 1 hp ng bo him b h hng, mt mt, thit hi VD: l hng c 10 kin, b v/hng 3 kin Trch nhim ca ng bo him: A = V: STBH = GTTT

Hi nhng bn tr FTU pht cung v mn Bo him

A < V: STBT = A/V x GTTT b/ Tn tht ton b: L ton b i tng bo him theo 1 hp ng bo him b h hng, mt mt, thit hi. Gm: tn tht ton b c tnh, tn tht ton b thc t

2.2 Cn c vo trch nhim ca cc quyn li c mt trn tu i vi tn tht pht sinh (cn c vo tnh cht ca tn tht): a/ Tn tht ring: L tn tht ch gy thit hi cho ring quyn li ca 1 ch s hu i vi ti sn b tn tht ch ko lin quan n cc quyn li khc c mt trong hnh trnh b/ Tn tht chung: L nhng hi sinh hay chi ph c bit c tin hnh 1 cch hu , hp l nhm mc ch cu tu, hng, cc ph thot khi 1 s nguy him chung, thc s i vi chng trong 1 hnh trnh chung trn bin.

Cu 7: Nu nh ngha, cho VD v tn tht ton b thc t, tn tht ton b c tnh 1. Tn tht ton b thc t: L tn tht ton b, thc t xy ra 1 trong cc trng hp sau: i tng bo him b ph hy hon ton B h hng nghim trng, ko cn hnh dng, tnh cht nh ban u (ph thuc quy nh ca mi nc): Php >= 75%, M >= 50% Ngi c bo him b tc quyn s hu vs i tng bo him (tu mt tch) VD: tu b m chm, ko th phc hi c 2. Tn tht ton b c tnh: L tn tht ca i tng bo him cha mc hon ton nhng xt thy tn tht ton b thc t ko th trnh khi hoc c th trnh c nhng chi phri b ra cu cha, khi phc, a i tng bao him v ch bng hoc vt qu tr gi ca n.
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Hi nhng bn tr FTU pht cung v mn Bo him

Cc trng hp: Tn tht ton b thc t chc chn s xy ra Tn tht ton b c th trnh c nhng xy ra v mt ti chnh (tng tin cu >= gi tr ca i tng bo him) VD: my b hng & s tin sa cha my >= gi tr ca my

Cu 8: Mt tn tht ntn th c coi l tn tht ton b c tnh? Tn tht c coi l tn tht ton b c tnh khi: Tn tht ca i tng bo him cha mc hon ton Xt thy tn tht ton b thc t ko th trnh khi Hoc c th trnh c tn tht ton b thc t nhng chi ph b ra sa cha, khi phc & a i tng bo him v ch li ln hn hoc bng gi tr ca i tng bo him .

Cu 9: Khi nim & c trng ca tn tht chung? 1. Khi nim tn tht chung: TTC l nhng hy sinh hay chi ph c bit c tin hnh 1 cch hu & hp l nhm mc ch cu tu, hng, cc ph thot khi 1 s nguy him chung, thc s i vs chng trong 1 hnh trnh chung trn bin,

2. c trng ca TTC: 2.1Phi c nguy c thc s e da nghim trng ti ton b hnh trnh 2.2Phi c hnh ng tn tht chung Hnh ng TTC: l hnh ng hon ton t nguyn v c dng ca ng trn tu nhm mc ch cu ton b hnh trnh thot khi him ha Tnh cht ca tn tht: hi sinh, ch quan L nguyn nhn trc tip dn n TTC 2.3Hy sinh v chi ph b ra phi bt thng v v an ton chung (ko th d on trc hnh trnh) 2.4Hy sinh v chi ph b ra phi hp l:
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Hi nhng bn tr FTU pht cung v mn Bo him

Ti sn no thun tin th hi sinh trc Hi sinh cu Ti sn em hi sinh phi nguyn vn (ti sn b TTR em hi sinh, ko c coi l TTC)

2.5Tn tht l hu qu trc tip ca hnh ng TTC 2.6TTC ch xy ra trn bin (ch c trong BH hng hi)

Cu 10: Lut l gii quyt TTC? Quy tc York 1864 (Anh) Quy tc York Antwerp 1924 (B) sa i b sung: 1950, 1974, 1990, 1994, 2004 Cc iu khon ca YAR 2004: Sa i YAR 2004: ko c coi l TTC nh: chi ph cu h, tin lng, lng thc thc phm, loi b li sut 2% (Chi ph TTC), mc li sut ca TTC do CMI n nh hng nm, a ra thi hiu t tng

Cu 11: Cch tnh ton phn b TTC? (gio trnh 28) Cc quyn li hoc li ch trn tu gm: tu, hng, cc ph. Tu & hng: phi ng gp vo TTC trn c s gi tr thc t ti ni xy ra TTC hay ti ni n Cc ph: phi ng gp vo TTC l cc ph m ch tu cha thu v vic thu c hay ko cn ph thuc vo an ton ca tu (cc ph chu ri ro) Cch tnh ton, phn b TTC ca chuyn vin tnh TTC: 1. Xc nh t l ng gp (ch s phn b): T l ng gp = Tng gi tr TTC / Tng gi tr chu phn b (xc nh trn c s gi tr vo lc & ni kt thc hnh trnh) = L / CV Tng gi tr TTC (L): l tng nhng hi sinh v chi ph c cng nhn l TTC. L = tng hi sinh TTC + tng chi ph TTC
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Hi nhng bn tr FTU pht cung v mn Bo him

Hng ha b hi sinh v TTC th gi tr c tnh vo TTC l gi tr hng ha lc d hng: cn c vo ha n thng mi, nu ko c ha n th cn c vo gi hng lc xp hng xung tu (gi tr ny gm c ph bo him & cc ph, tr trng hp cc ph ko thuc ch hng) Tng gi tr chu phn b TTC (CV): l tng gi tr ca cc li ch trn tu (tu, hng, cc ph) vo thi im c hnh ng TTC, tc l tng cc gi tr c hnh dng TTC cu thot & gm c nhng gi tr hi sinh v an ton chung. c xc nh trn c s gi tr thc t ca ti sn ti ni kt thc hnh trnh. 2. Tnh s tin phi ng gp ca tng quyn li: C = L/CV x cv C (tu) + C (hng) + C (cc ph) = L Trong : C: l s tin phi ng gp vo TTC ca mi quyn li L: l tng gi tr TTC CV : l tng gi tr chu phn b cv : l gi tr chu phn b ca tng quyn li

3. Xc nh kt qu ti chnh ca tng quyn li : HSTTC + CPTTC C > 0 ch tu/hng nhn v khon chnh lch HSTTC + CPTTC C < 0 ch tu/hng ng thm khon chnh lch ** Kim tra li kt qu : Tng quyn li nhn v = Tng quyn li ng thm Cu 12 : Phn bit TTC & TTR. Cho VD Tnh cht : TTR - do mt ri ro bt ng, ngu nhin gy ra ; TTC c tin hnh mt cch c & hp l Phn b tn tht : TTR tn tht ca ng no th ng chu m ko c s ng gp gia cc bn ; TTC bao h cng gm 2 mt : hi sinh TTC & chi ph TTC, cc quyn li c mt trong hnh trnh phi c trch nhim ng gp vo TTC. a im xy ra tn tht : TTR c th xy ra bt k u ch ko ch trn bin, TTC s c phi xy ra trn bin
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Hi nhng bn tr FTU pht cung v mn Bo him

Bi thng : TTR c c ng bo him bi thng hay ko ph thuc vo vic ri ro c c tha thun trong hp ng hay ko ; TTC s c bi thng nu mang y cc c trng ca TTC, tha mn 2 nguyn tc : v an ton chung & v li ch chung. V d : 1/ ch hng nm hng xung bin nhm cu tu b chm TTC, do hi sinh TTC, v an ton v li ch chung ca c tu 2/ trong qu trnh bc d hng ha, 1 s kin hng b ri xung thnh cu v b h hng TTR, do ri ro xy ra bt ng, ngu nhin, ko lng trc c

Cu 13 : Tn tht chung l g ? cho VD Tn tht chung : l nhng hi sinh hay chi ph c bit c tin hnh 1 cch c & hp l nhm mc ch cu tu, hng ha v cc ph ch trn tu thot khi mt s nguy him chung, thc s i vi chng. VD : mt con tu ch hng trn bin, ang i gp bo. Thuyn trng & cc thuyn vin tm mi cch chng nhng bo ngy cng to & tu c nguy c b m. Thuyn trng quyt nh vt 1 s hng xung bin tu nh bt v tu vt qua cn bo. Vic thuyn trng vt hng xung bin l 1 hnh ng cu tu, hi sinh tn tht chung & c coi l tn tht chung, c bi thng. Cu 14 : Trch nhim ca cc bn lin quan khi xy ra TTC ? C 2 bn lin quan khi xy ra TTC : Ch tu & Ch hng 1. Ch tu : (thuyn trng) Tuyn b TTC Mi chuyn vin gim nh tn tht Mi chuyn vin phn b TTC Lp khng ngh hng hi (nu cn) : trnh by din bin s vic v c xc nhn ca a phng Gi 2 vn bn cam oan ng gp TTC cho ch hng : bn cam oan ng gp TTC & giy cam oan ng gp TTC Bn cam oan ng gp TTC : khi TTC c phn b
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Hi nhng bn tr FTU pht cung v mn Bo him

** Do ch hng k ** L cam oan ca ch hng s ng gp TTC cho cc ch hng sau khi TTC c phn b Giy cam oan ng gp TTC : l bo lnh ca ngi th 3 cho s cam oan ca ch hng, do ngi th 3 k (khi hng ha mua bo him : ng bo him ; khi hng ha cha mua bo him : ngn hng) Khng c bo lnh : hng ha cha c mua bo him m ko nh c ngn hng no ch hng phi t cc, k qu cho thuyn trng phng TTC xy ra. 2. Ch hng : K khai b sung gi tr hng ha (nu cn) Nhn 2 vn bn cam oan ng gp TTC t thuyn trng.

Cu 15 : Nhng sa i c bn ca quy tc York Antwerp 2004 so vi cc quy tc trc. Quy tc York Antwerp 2004 c 5 im sa i c bn so vi cc quy tc trc : 1. Chi ph cu h s b loi tr khi TTC : Nu a chi ph cu h vo TTC th rt nhiu trng hp thc t t ra ko r rng & lng ph. Quy tc VI sa i cng cho php a chi ph cu h vo TTC ch trong trng hp chi ph ny c 1 bn i din cho bn khc lin quan ti hnh trnh ng tr trc. 2. Ch c cc tn tht & chi ph xy ra v an ton chung ca cc ti sn trong hnh trnh mi c a vo TTC (nguyn tc 1), cn cc chi ph v li ch chung s b loi b (nguyn tc 2) Khi , tin lng ca thy th trong thi gian tu lu li cng lnh nn s ko c a vo TTC. Chi ph nhin liu, ph tng thay th vn c a vo TTC. 3. Khon li 2% trong quy tc XX b bi b 4. Li sut trong quy tc XXI vn c duy tr, nhng do CMI n nh hng nm ch ko phi l 7% nh trc
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Hi nhng bn tr FTU pht cung v mn Bo him

5. n nh 2 thi hiu t tng : 1/ l 1 nm k t ngy bn tnh ton phn b TTC c cng b, 2/ l 6 nm k t ngy kt thc hnh trnh trong xy ra TTC. Tuy vy, cc bn lin quan c th thng lng ko di thi hiu trn.

Cu 16 : Vai tr cn thit ca bo him hng ha vn chuyn bng ng bin ? Bo him hng ha vn chuyn bng ng bin rt quan trng, v : Hng ha vn chuyn bng ng bin thng gp nhiu ri ro c th gy ra nhng h hng, mt mt. VD : tu b mc cn, m, m va, chy n, mt tch, ko giao hng. Trch nhim ca ngi chuyn ch ng bin rt hn ch v vic khiu ni i bi thng rt kh khn C bo him mi bo v c li ch ca doanh nghip trong trng hp c tn tht v to ra tm l an tm trong kinh doanh.

Cu 17 : cc iu kin bo him hng ha vn chuyn bng ng bin do Vin nhng ng bo him Anh ILU ban hnh. T nm 1982, ILU ban hnh mu n bo him hng hi mi (the MAR policy) v mt lot cc iu kin bo him hng ha sau : 1. iu kin bo him gc : iu kin bo him A iu kin bh B iu kin bh C iu kin bh hng ha vn chuyn bng ng hng ko, tr hng ha gi bng ng bu in

2. Cc iu kin bo him p dng cho mt s hng c bit : Cc iu kin bo him hng ha bun bn theo l iu kin bo him than iu kin bo him du th iu kin bo him ay Iu kin bo him cao su t nhin
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Hi nhng bn tr FTU pht cung v mn Bo him

Iu kin bo him tht ng lnh

3. Cc iu kin bo him ph : K bo him chin tranh p dng cho hng vn chuyn bng ng bin K bo him chin tranh p dng cho hng gi bng bu in K bo him chin tranh p dng cho hng ha vn chuyn bng ng hng ko, tr nhng hng ha gi bng ng bu in K bo him nh cng p dng cho hng vn chuyn bng ng bin K bo him nh cng p dng cho vn chuyn du th K bo him thit hi do c k bo him mt trm, mt cp v ko giao hng

Cu 18: cc iu kin bo him hng ha vn chuyn bng ng bin ca Anh & ca VN. 1. Anh do ILU ban hnh nm 1982: (cu 17) Cc iu kin bo him gc Cc iu kin bo him p dng cho 1 s hng c bit Cc k bo him ph

2. Cc iu kin bo him hng ha Vit Nam: do B Ti chnh & Bo Vit ban hnh QTC 1965 - K bo him FPA, WA, AR: theo quy tc chung v bo him hng ha vn chuyn bng ng bin nm 1965 ca B Ti chnh QTC 1990 K bo him A, B, C: 1990 ca B ti chnh QTCB 1995 K bo him A, B, C: 1995 ca Bo Vit QTCB 2004 K bo him A, B, C: 2004 ca Bo Vit

Cu 19: Phm vi trch nhim bo him theo k A ICC 1982 k A = k B (1 11) + 15 ri ro ph = k C (1 7) + (8 11) + 15 ri ro ph k A ICC 1982: v mt ri ro, tn tht s bi thng 26 ri ro, tn tht sau: 1. 2. 3. 4. Mc cn, chm m, chy n, m va, lt p (tai nn ca bin) D hng ti cng lnh nn Phng tin vn chuyn ng b b lt hoc trt bnh Tu v hng b mt tch
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Hi nhng bn tr FTU pht cung v mn Bo him

5. Vt hng xung bin 6. Hi sinh TTC 7. Cc chi ph hp l c bi thng 8. ng t, ni la, st nh (c ng b + g ko) 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. Tn tht ton b ca bt k kin hng no do ri khi tu hoc b ri trong qu trnh xp d hng xung tu hoc x lan 12-26. 15 ri ro ph: Hp hi Nng Ly hi Ly bn Han g Mc cu Rch v Bp, cong, vnh Va p Nc ma Trm cp Cp bin Hnh vi c Giao thiu hoc ko giao hng

Cu 20: Phm vi trch nhim bo him theo k B ICC 1982? T 1 ht 11 ca cu 19. Cu 21: Phm vi trch nhim bo him theo k C ICC 1982? T 1 ht 7 ca cu 19. Cu 19 + 20 + 21: 1. V mt ri ro, tn tht: trnh by nh trn (cu 19. 20.21) 2. V mt ko gian, thi gian:
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Hi nhng bn tr FTU pht cung v mn Bo him

a/ Khng gian: iu khon hnh trnh: trch nhim ca ng bo him bt u t khi hng ha ri kho hoc ni cha hng ti im ghi trn hp ng bo him, c hiu lc trong sut qu trnh vn chuyn bnh thng v trch nhim kt thc khi hng ha giao vo kho n hoc ht 60 ngy k t ngy hng ha c d ra khi tu ti cng n, ty trng hp no xy ra trc. iu khon kho i kho n: ko gian trch nhim ca ng bo him t kho i n kho n. Hnh trnh vn chuyn thay i th trch nhim ca ng bo him cng thay i Kho i: l kho m ti hng ha c ng gi hon chnh v sn sang a ln phng tin vn ti (quy nh trong hp ng bh) Kho n: ** kho cui cng ca ng nhn quy nh trong hp ng bh ** kho trc khi ti ni n hoc ni n m ng c bo him la chn lu kho ngoi hnh trnh vn chuyn thng hoc phn phi hng ha iu khon c tn tht hay ko c tn tht (nu c trong hp ng bo him): nu ko c li ch bo him m xy ra tn tht th vn c bo him (ng nhp khu vn c bi thng nu tn tht xy ra ti kho i cng i nu hp ng bh c iu khon trn) b/ Thi gian: Bt u k t khi hng ha ri kho i Kt thc: vo 1 trong 2 trng hp sau: ty lc no xy ra trc Hng c a vo kho n Ht 60 ngy k t ngy hng c d ra khi tu ti cng n Chng bo him chnh: cng i cng n. Bo him ph: kho i cng i/ kho n cng n.

Cu 22: Phm vi trch nhim bo him theo 2 k bo him c bit ca ICC 1982? 1. iu kin bo him chin tranh WR: a/ Ri ro, tn tht c bo him:
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Hi nhng bn tr FTU pht cung v mn 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 TTC b/ Ko gian, thi gian trch nhim: Khng gian: cng i cng n (xy ra trn mt bin), ko bo him hnh trnh trn ni a Thi gian: Bt u k t khi hng ha c xp ln tu ti cng i Kt thc vo 1 trong 2 trng hp, ty trng hp no xy ra trc: ** hng c d khi tu ti cng n ** ht 15 ngy k t na m ngy tu cp cng n 2. iu kin bo him nh cng SRCC: a/ Ri ro, tn tht c bo him: nh cng, cm xng, bo ng, ri lon lao ng hay ni dy ca dn chng Khng b hay bt c ng no hnh ng v mc ch chnh tr Tn tht chung v chi ph cu nn

b/ Khng gian, thi gian trch nhim: quy nh ging cc iu kin A, B, C (t kho i kho n, thi hn 60 ngy)

Cu 23: iu khon bo him t kho n kho trong bo him hng ha vn chuyn bng g bin? Khng gian trch nhim: t kho i n kho n (hnh trnh vn chuyn thay i th trch nhim ca ng bo him cng thay i) Thi gian trch nhim: bt u k t khi hng ha ri kho i, kt thc ti 1 trong 2 trng hp: 1/ hng c a vo kho n, 2/ ht 1 thi gian, k t ngy hng c d ra khi tu ti cng n.

Cu 24: cc loi hp ng bo him hng ha vn chuyn bng ng bin?

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Hi nhng bn tr FTU pht cung v mn Bo him

1. nh ngha: Hp ng bo him hng ha vn chuyn bng ng bin l s tha thun gia ng bo him v ng c bo him, theo , ng bo him cam kt bi thng chon g c bo him nhng mt mt hoc h hng ca hng ha hay trch nhim lin quan n hng ha bo him do 1 ri ro tha thun gy ra, cn ng c bo him cam kt tr ph bo him. 2. Cc loi hp ng bo him: 2.1Hp ng bo him chuyn: l hp ng bo him mt chuyn hng t 1 ni n 1 ni khc ghi trn hp ng bo him. Trch nhim: t kho n kho Hp ng bo him chuyn: th hin bng n bo him hoc giy chng nhn bo him do cty bo him cp (ging: l bng chng ca hp ng bo him; khc: v hnh thc & cch thc s dng) Ni dung ca n bo him giy chng nhn bo him: Mt 1: ging nhau Tn, a ch ng bo him, ng c bo him Tn hng, s lng, trng lng, s vn n Cng i, n, cng chuyn ti Gi tr bo him, s tin bo him iu kin bo him T l bo him, ph bo him Ni, c quan gim nh tn tht Ni, cch thc bi thng Ngy thng, ch k ca cty bo him

Mt 2: n bo him ghi quy tc, th l bo him ca cty bo him; Giy chng nhn ko c mt 2.

2.2Hp ng bo him bao: l hp ng bo him nhiu chuyn hng trong 1 thi gian nht nh, thng l 1 nm. Ni dung ca hp ng bo him bao: Tn hng c bo him Loi tu ch hng Cch tnh gi tr bo him
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Hi nhng bn tr FTU pht cung v mn Bo him

S tin bo him ti a cho mi chuyn & iu kin bo him Cch thanh ton ph bo him & tin bi thng Cp chng t bo him

Cu 25: mt l hng phn bn, ch hng ch mun bo him hng b t nc bin. t vn cho ch hng nn mua bo him theo k A, B, C? Gii thch? Nn mua bo him theo k bo him B, v trong iu kin B c bi thng ri ro, tn tht do: 10/ nc bin, sng, h trn vo hm tu, khoang cha hng, container, x lan, phng tin vn ti, do : s hng b t nc bin s c bi thng k bo him B, tit kim chi ph. Cn nu mua iu kin bo him C: s ko c bi thng ri ro do t nc bin. Nu mua iu kin bo him A: chi ph tn km, ko cn thit. Cu 26: ri ro cp bin c c bo him trong k AR ca ICC 1963? Nu ko th c bo him theo k bo him no? Theo ICC 1982 th c th bo him cho ri ro cp bin theo nhng cch no? Ti sao? 1. Trong k AR ca ICC 1963: ri ro cp bin c bo him, do AR l iu kin bo him mi ri ro (All Risks). Trong AR, phm vi trch nhim ca ng bo him l cao nht. 2. Theo ICC 1982, ri ro cp bin c th c bo him theo 2 cch: Cch 1: mua iu kin bo him rng nht (k A), bi thng cho 11 ri ro chnh trong k B & C, v 15 ri ro ph - trong c ri ro cp bin Cch 2: mua iu kin bo him hp nht (k C) v mua km iu kin bo him ph v ri ro cp bin cch ny s tit kim chi ph hn.

Cu 27: so snh n bo him & giy chng nhn bo him hng ha vn chuyn bng ng bin? Ging nhau: u l bng chng ca 1 hp ng bo him Khch nhau: v hnh thc & cch thc s dng V hnh thc: ** n bo him: gm 2 mt mt 1: ghi cc chi tit v hng ha, tu, hnh trnh, ng bo him, ng c bo him (chi tit cu 24); mt 2: in sn Quy tc, th l bo him ca cty bo him c lin quan
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Hi nhng bn tr FTU pht cung v mn Bo him

** Giy chng nhn bo him: ch c ni dung nh mt 1 ca n bo him Cu 28: b h s khiu ni ng bo him trong bo him hng ha vn chuyn bng ng bin? H s khiu ni i ng bo him bi thng gm nhiu loi giy t khc nhau ty tng trng hp tn tht, nhng phi chng minh c: Ngi khiu ni c li ch bo him Hng ha c bo him Tn tht thuc 1 ri ro c bh Gi tr bo him, s tin bo him Mc tn tht S tin i bi thng Th hin nguyn tc th quyn: m bo ng bo him c th i c ng th 3 bi thng

B h s khiu ni gm nhng giy t sau: n bo him/ giy chng nhn bo him, bn gc Vn n g bin bn gc, hp ng thu tu Ha n thng mi bn chnh Ha n v cc chi ph khc, nu c Giy chng nhn s lng, trng lng Bin bn kt ton nhn hng vs tu Phiu ng gi Vn bn giy t lin quan n i ng th 3 bi thng v tr li cho h, nu c Khng ngh hng hi/ nht k hng hi Th khiu ni c ghi r s tin yu cu bi thng

Ty tng trng hp li cn thm nhng giy t khc: Hng b h hng, v, thiu ht, gim phm cht: Bin bn gim nh ca ng bo him hoc a l ca h cp Bin bn d hng Bin bn v, h hng do cng gy nn Th d khng (tn tht ko r rt) Hng thiu nguyn kin: Bn kt ton nhn hng vs tu (ROROC)
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Hi nhng bn tr FTU pht cung v mn Bo him

Giy chng nhn hng thiu do i l tu cp Kt ton li ca cng, nu c i bi thng TTC:

Vn bn tuyn b TTC ca thuyn trng Bn tnh ton, phn b TTC ca gim nh tn tht Cc vn bn c lin quan khc

Cu 29: cc nguyn tc bi thng trong bo him hng ha vn chuyn = ng bin? 1. Bi thng bng tin, ch ko bng hin vt. Tin bi thng l ng tin tha thun trong hp ng. Nu ko c tha thun th np ph bo him = ng tin no th bi thng = ng tin . 2. Trch nhim ca ng bo him: ch gii hn trong phm vi s tin bo him Tuy nhin, trong trng hp: tin tn tht + chi ph cu h + ph gim nh + chi ph nh gi + bn li hng ha b tn tht + chi ph i ng th 3 bi thng + tin ng gp TTC > s tin bo him, ng bo him vn phi bi thng. 3. Khi thanh ton tin bi thng, ng bo him c th khu tr nhng khon thu nhp ca ng c bo him trong vic bn hng v i ng th 3.

Cu 30: bo him thn tu l g? Vai tr? 1. nh ngha: Bo him thn tu: l bo him nhng ri ro vt chat xy ra i vi v tu, my mc, v cc thit b trn tu ng thi bo him cc ph, cc chi ph hot ng ca tu v mt phn trch nhim m ch tu phi chu trong trng hp 2 tu m va nhau. 2. Vai tr cn thit ca bo him thn tu: Vn ti ng bin cha nhiu ri ro Tu bin c trng ti v dung tch, vn tc chm, hnh trnh ko di, xc sut xy ra ri ro cao Tu bin hot ng c lp trn beiern nn vic ng cu, hn ch tn tht gp kh khn
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Hi nhng bn tr FTU pht cung v mn Bo him

Tr gi tu bin ln Ch tu c th b pht sinh trch nhim dn s do hot ng ca tu d gy tn tht cho ng khc Ch tu c th b tn tht bi cc hnh vi c ca thuyn vin thy th trn tu.

Cu 31: i tng bo him trong bo him thn tu? V tu, my mc, trang thit b Chi ph hot ng ca tu: chi ph qun l hnh chnh, chi ph kinh doanh, chi ph iu hnh Cc ph: l s tin cc m ch tu phi tr li ch hng do hng ko c vn chuyn n cng ch quy nh nh hp ng bo him Trch nhim dn s ca ch tu trong trng hp 2 tu m va nhau: trch nhim m va (thng thng l trch nhim m va)

Cu 32: cc loi hp ng bo him thn tu? S khc nhau gia cc loi hp ng ny? Bo him thn tu thi hn ** l hnh thc bo him thn tu trong 1 thi gian nht nh Bo him thn tu chuyn ** l hnh thc bo him thn tu t cng ny sang cng khc hoc bo him cho 1 chuyn kh hi ** p dng: cho tu ng mi xut khu (ngi XK/NK c th mua bo him cho tu ti cng i/cng n); hoc tu em i sa cha (mua bo him ti cng em tu i sa cha)

** p dng: hu ht cc loi tu

Cu 36: ni dung ca iu kin bo him tn tht ton b TLO ITC1995? 1. Ri ro c bo him: 1.1Bi thng tn tht ton b (thc t & c tnh) do cc ri ro sau: Ti ha ca bin, sng h, hoc cc vng nc khc Chy n Trm cp t ngoi tu Vt hng xung bin
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Hi nhng bn tr FTU pht cung v mn Bo him

Cp bin m va phi phng tin vn chuyn ni a, cu cng hoc cc trang thit b ca cng ng t, ni la phun, st nh Tai nn trong vic, xp, d hoc di chuyn hng ha hoc nhin liu

1.2v cc ri ro sau (vs k tn tht ny ko do s thiu cn mn ca ng c bo him, ch tu, ng qun l tu hoc bt k i din qun l no ca h trn b) N ni hi, gy trc hoc cc n t trong my mc, v tu S sut ca thuyn trng, s quan, thy th, hoc hoa tiu S sut ca ng sa cha, ng thu tu, vs k l ng sa cha, thu tu ko fai l ng c bo him Ph hoi ca thuyn trng, s quan, thy th m va phi my bay, my bay trc thng, hoc vt th tng t hoc cc vt th ri t my bay

2. Cu nn: bo him ny bi thng phn ca tu v cu h, cu nn b gim do bo him di gi tr 3. nhim du: bi thng tn tht ton b (thc t hay c tnh) ca tu bt ngun t hnh ng ca c quan Nh nc nhm ngn nga, gim thiu nhim/thit hi cho mi trng, pht sinh trc tip t cc h hng ca tu thuc ri ro c bo him (vs k: ko phi do s thiu cn mn trong vic ngn nga, lm gim thiu nhim)

Cu 37: ni dung ca iu kin bo him tn tht b phn FODabs ITC 1995? Bo him ny bi thng tn tht ca i tng bo him trc tip gy ra bi (vs k tn tht ko do s thiu cn mn ca ng c BH, ch tu, qun l tu ): 1. 2. 3. 4. 5. 6. 7. 8. Tai nn trong vic xp d, di chuyn hng ha, nhin liu N trn tu hoc ni khc N hay tai nn i vi l phn ng ht nhn trn tu hay ni khc N ni hi, gy trc hoc n t trong my mc hay v tu S sut ca thuyn trng, s quan, thy th, hoc hoa tiu S sut ca ng sa cha vs k l ng sa cha ko fai l ng c BH m va phi my bay m va phi phng tin vn chuyn ng b, cu cng hay thit b ca cng 9. ng t, ni la phun, st nh
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Hi nhng bn tr FTU pht cung v mn Bo him

10.Chi ph bo tn, t tng, cu nn 11.Trch nhim m va 12.ng gp TTC Cu 38: ni dung ca iu kin bo him min t tht ring FPAabs ITC 1995? Theo k BH ny, ng BH tuyt i ko bi thng TTR l tn tht b phn v cc khiu ni v TTC lin quan n thit hi ca v tu, nhng s bi thng: Phn ng gp ca tu v TTC lin quan n thit hi ca thit b my mc, ni hi, neo, my mc, ni hi ph, cn cu.. Tn tht b phn trong trng hp cu ha hoc m va vi tu khc khi cu nn

Cu 39: ni dung ca k BH mi ri ro AR ITC 1995? Ri ro c bo him: 1. Bo him ny s bo him nhng tn tht hoc thit hi ca i tng bo him, gy ra bi: Tai ha ca bin, sng h, hoc cc vng nc khc Chy, n Trm cp t ngoi tu Vt hng xung bin Cp bin m va phi phng tin vn chuyn ni a, cu cng, hoc trang thit b ca cng ng t, ni la phun, st nh Tai nn trong vic xp d, hoc di chuyn hng ha hoc nhin liu

2. V cc ri ro sau: N ni hi, gy trc hoc cc n t trong my mc v v tu S sut ca thuyn trng, s quan, thy th hoc hoa tiu S sut ca ng sa cha, ng thu tu vs iu kin ng sa cha hoc ng thu tu ko fai l ng c bo him Ph hoi ca thuyn trng, s quan thy th m va phi my bay, hoc cc vt th ri t my bay Vi iu kin l cc tn tht, thit hi ni trn ko do s thiu cn mn ca ng c bo him, ng qun l tu gy nn.
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Hi nhng bn tr FTU pht cung v mn Bo him

Trch nhim do nhim du: Bo him nhng tn tht/ thit hi cho tu bt ngun t quyt nh ca c quan nh nc c thm quyn nhm ngn nga, gim thiu nhim pht sinh t h hng ca tu m ng BH fai chu trch nhim theo BH ny. Trch nhim do tu m va nhau: Ng BH bi thng cho ngi c BH s tin m ng c BH fai tr cho 1 hay nhiu ng khc. Khi tu c BH m va fai tu khc & c 2 u c li, th vic bi thng s c tnh theo nguyn tc trch nhim cho. Tng trch nhim ca ng BH ko vt qu gi tr BH ca tu Tn tht chung & chi ph cu nn: Cam kt BH chi ph hot ng ca tu Chi ph bo tn, t tng Hon li ph bo him do tu nm x hay do hy hp ng Ri ro loi tr

Cu 45: ph bo him thn tu ph thuc nhng yu t j? hon ph bo him trong bo him thn tu c thc hin ntn? 1. T l ph bo him thn tu ph thuc vo: Loi tu, c tu, tui tu Mc ch s dng, vng bin kinh doanh, gi tr bo him, iu kin bo him Trang thit b, thuyn b, mc min thng, t l lm pht, tnh hnh tn tht ca i tu

2. Ph bo him c hon li khi: Hy b hp ng (Bo Vit hon li 80%) Tu ngng hot ng t 30 ngy lin tc tr ln (tu vn an ton) (Bo Vit hon li 50% s ph ca thi gian ngng hot ng)

3. Ph bo him s c hon tr nh sau: Theo t l i vi mi thng cha bt u bo him, nu bo him ny b hy b do tha thun Khi tu b nm x trong thi hn 30 ngy lin tc trong cng hay trong khu vc vi iu kin cng hay khu vc c ng BH chp nhn
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Hi nhng bn tr FTU pht cung v mn Bo him

Cu 46: trch nhim bo him thn tu s t ng chm dt trong nhng trng hp no? Tr phi ng BH ng tip tc BH bng vn bn, BH ny t ng kt thc khi: Thay i cty ng kim ca tu Thay i, nh ch, gin on, thu hi hoc ht hn cp hng tu Gim nh nh k ca tu b qu hn, tr trng hp cty ng kim ng gia hn Thay i v s hu tu hay c tu, chuyn quyn qun l tu hoc cho thu nh hn trn, b tc quyn s hu hay quyn s dng Chng 3: Cu 2: trnh by cc ri ro m ng BH thn my bay phi chu trch nhim theo quy tc chung v BH hng ko nm 1991 ca VN QTC 1991? Theo QTC 1991, ng BH thn my bay phi chu trch nhim i vi nhng ri ro trong 2 iu kin BH: k A Bh mi ri ro, k B BH tn tht ton b 1. k A Bh mi ri ro: Tn tht ton b hoc b phn xy ra i vi my bay do tai nn bt ng gy ra (k c trng hp my bay b mt tch) trong thi gian c BH Chi ph cn thit v hp l trong trng hp khn cp m ng c BH phi chu do cc hnh vi nhm BH an ton cho my bay nh c gy hng hoc phi h cnh bt buooijc, nhng ti a ko vt qu 10% gi tr BH ca chic my bay Chi ph gim nh tn tht thuc trch nhim BH

2. k B BH tn tht ton b: Ng BH chu trch nhim bi thng tn tht ton b thc t hoc c tnh ton b xy ra i vi my bay do tai nn bt ng gy ra (k c trng hp my bay b mt tch) trong thi gian c BH Cu 7: trnh by thi hn BH i vs BH hng ha vn chuyn bng ng hng ko theo ICC 1992? 1. Khng gian BH: BH c hiu lc k t khi i tng BH ri kho, ni cha hng, hay ni lu gi, bt u vn chuyn bnh thng & kt thc khi:
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Hi nhng bn tr FTU pht cung v mn Bo him

Giao vo kho ca ng nhn hng, kho hay ni cha hng cui cng khc hay lu kho ni n c ghi trong hp ng BH Giao n bt k 1 kho hay ni cha hng no khc hay ni lu kho cho d trc khi n hay ni m ng c BH la chn : Lu kho ngoi qu trnh vn chuyn bnh thng Phn phi hay cung cp hng ha

2. Thi gian bo him: 30 ngy sau khi d i tng BH ra khi my bay ti ni d hng 1 trong 2 iu trn xy ra th iu cn li ko gi tr

Chng 4: Cu 2: Khi nim v cc ri ro c BH trong BH ha hon v cc ri ro c bit? 1. Khi nim BH ha hon & cc ri ro c bit: L BH nhng thit hi do chy v cc ri ro tng t hay cc ri ro c bit nh: ng t, bo lt, ni la, st nh gy ra cho i tng BH. 2. Cc ri ro c BH trong BH ha hon v cc ri ro c bit: Theo quy tc BH ho hon v cc ri ro c bit hin nay, ng BH c ngha v bi thng cho ng c BH nhng tn tht, mt mt, ri ro sau: Nhng thit hi do nhng ri ro c bo him gy ra cho ti sn c BH ghi trong Giy chng nhn BH (nu ng c BH np ph BH & nhng thit hi y xy ra trc 16h ngy cui cng ca thi hn BH ghi trong GCN BH) Nhng chi ph cn thit & hp l nhm hn ch tn tht & ti sn c BH trong & sau khi chy Ng BH nhn bi thng c nhng chi ph thu dn hin trng sau khi chy nu nhng chi ph ny c ghi r trong GCN BH

Cu 6: Trnh by cc ri ro c th la chn BH theo quy tc BH ha hon v cc ri ro c bit ban hnh km theo Q 142/TCQ ngy 2/5/1991? 1. Ha hon: do n hay do nguyn nhn khc 1.1Chy: tt c nhng thit hi do chy u c bi thng, tr thit hi do:
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Hi nhng bn tr FTU pht cung v mn Bo him

N do nh hng ca chy ng t hoc la ngm di t Bn thn ti sn b ph hy hoc h hng do t ln men hoc ta nhit hay qu trnh x l bng nhit

1.2St: ch c thit hi trc tip do tia st gy ra mi c bi thng 1.3N: l hin tng chy cc nhanh to ra v gii phng 1 p lc ln km theo 1 ting ng mnh pht sinh t s gin n nhanh, mh ca cht lng cht rn hoc cht kh Ch c bi thng khi: N ni hi phc v sinh hot Hi t phc v sinh hot, thp sng, hoc si m trong nh ko phi l xng th lm cc cng vic c s dng hi t Ko c bi thng khi: Thit hi ti sn c BH do phng tin or bin php cu cha gy ra Thit hi ti sn do mt cp trong khi ha hon m ng BH ko chng minh c l mt cp

2. N: tt c thit hi do n gy nn, loi tr: Ti sn c BH b ph hy hay h hi do ni hi, thng un nc bng hi t, bnh cha hay my mc thit b m p sut bn trong hon ton do hi nc to ra b n Bnh cha, my mc thit b, cht liu bn trong cc dng c h hi, b ph hy do n cc cht liu

3. My bay hoc cc thit b trn cc phng tin ri trng 4. Ni lon, bo ng dn s, nh cng, b xng, hoc hnh ng ca ng tham gia gy ri, bo ng hay hnh vi c nhng ko mang tnh cht chnh tr 5. ng t 6. La ngm di t 7. Chy m nguyn nhn duy nht l do bn thn ti sn t ln men, to nhit hay gy chy 8. Ging t hay bo lt 9. V hay trn nc t cc b cha, thit b cha nc hay ng ng dn, nhng loi tr ti sn b ph hy hay h hi do nc chy, r r t h thng thit b phng chy t ng 10. Xe c hay sc vt ko thuc quyn s hu hay quyn kim sot ca ng c BH hay ca ng lm thu cho h m vo 11. Nc chy hay r r ra t thit b vi phung sprinkler cha chy t ng lp t sn trong nh (ko fai do ng bng)
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Hi nhng bn tr FTU pht cung v mn Bo him

Cu 10: s tin BH trong B H ha hon v cc ri ro c bit? Trong BH ha hon v cc ri ro c bit, ng c BH c th tham gia BH ti sn vi s tin ln hn gi tr BH nhng =<10% gi tr BH. Nu s tin BH thp hn gi tr th khi c tn tht s p dng nguyn tc bi thng theo t l. Trong mi trng hp: STBT =< STBH (k c bi thng nhiu ln) C 2 cch xc nh s tin BH: 1. Trn c s ktra i tng BH & cc giy t lin quan, ng BH & ng c BH s tha thun s tin BH cho i tng BH 2. Khi s lng ti sn thng xuyn thay i th c th BH theo gi tr trung bnh hoc gi tr ti a (gi tr iu chnh) 2.1BH theo gi tr trung bnh: Ng c BH c tnh & thng bo cho BH gi tr trung bnh ca ti sn trong thi hn BH Gi tr trung bnh ny c coi l s tin BH Ph BH c tnh trn c s gi tr trung bnh khai bo

2.2BH theo gi tr ti a: Ng c BH c tnh & thng bo cho BH gi tr ti a ca ti sn trong thi hn BH Ph BH c tnh trn c s gi tr ti a ny nhng ch thu trc 75%. Khi tn tht xy ra, BH s bi thng tn tht thc t, & ko vt qu gi tr ti a nh khai bo u thng/ qu, ng c BH thng bo cho BH gi tr ti a ca ti sn. Cui thi hn BH, trn c s gi tr ti a , BH s tnh gi tr ti a bnh qun ca thi hn BH & tnh li ph BH. Nu ph BH tnh li > s ph np ban u: ng c BH phi np thm s thiu Nu ph BH tnh li < s ph np ban u: ng BH s hon li phn tha cho ng c BH. S ph BH chnh thc phi np >= 2/3 s ph BH np ban u (75%) ** Note: trong thi hn BH xy ra tn tht, ng BH bi thng & STBT > gi tr ti a bnh qun => BH c tnh trn c s STBT tr (STBT chnh l STBH)
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Hi nhng bn tr FTU pht cung v mn Bo him

Chng 5: Cu 2: thi hn BH trong BH xy dng c quy nh ntn? 1. nh ngha: thi hn BH trong BH xy dng l thi gian bt u thi cng cho n khi cng trnh xy dng c nghim thu Thi gian bt u thi cng: tnh t khi tin hnh khi cng xy dng, c th tnh c thi gian lu kho cc nguyn liu (ko qu 3 thng) Kt thc cng trnh khi cng trnh c bn giao & a vo s dng or hon tt ln vn hnh u tin c ti nu c phn vic lp t

2. Mt s trng hp c bit: i vi my mc, thit b xy dng: Trch nhim ca ng BH bt u khi tho d cc my mc thit b xung khu vc cng trng Kt thc khi chng di chuyn khi cng trng Vi cng trnh hon thnh v a vo s dng tng phn: Trch nhim ca ng BH i vi tng b phn s kt thc ngay sau khi n bn giao a vo s dng Thi hn BH c th ko di thm, nu ng c BH c yu cu.

Cu 6: trnh by phm vi BH trong BH lp t? 1. Nhng ri ro c BH trong BH lp t: Nhng ri ro c BH trong BH xy dng Li v lp rp phm phi trong khi thi cng Cc nguyn nhn t bn ngoi: nh vt no ri vo, t cp, dy chuyn, h thng nng, sp nh Cc nguyn nhn ni ti: hu qu ca vic thiu linh kin, s an ton, vng v, l ng ca bn c BH or ng th 3 Nhng hu qu do nng v c kh, b ri lon, c ting rt do thiu du, m, hu qu do in li, chp in, p st, ph hy do lc li tm
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Hi nhng bn tr FTU pht cung v mn Bo him

2. Nhng ri ro ko c BH trong BH lp t: 2.1Ri ro loi tr chung: Chin tranh, xm lc, hnh ng th ch ca nc ngoi, chin s, ni chin, bo lon, ni lon nh cng, bi cng, b xng, bo ng ca qun chng Tch bin, tch thu or ph hy theo lnh ca chnh ph/ c quan NN Phn ng, phng x ht nhn or nhim phng x Hnh ng c or c tnh s sut ca ng c BH or i din ca h Ngng ton b or 1 phn cng vic

2.2Ri ro loi tr ring cho BH lp t: Nhng thit hi do thiu st c trc m ng c trch nhim bit Thit hi do s hao mn t nhin or tip tc chy th cc cng c b hng trc khi sa cha Cc ph tn nhm xa b cc thit st or sa cha nhng sai st v k hoch Cc thit hi gin tip nh pht theo hp ng, thit hi do s chm tr or my mc ko cng sut

3. C th BH thm nhng BH loi tr khc bng cc iu khon b sung trong n: Thit hi do li lm v quan nim, v tnh ton or v k hoch Thit hi do thiu st v nguyn vt liu, do li v xy dng Thit hi do ng t, gi xoy Thit hi xy ra bt ng trong qu trnh thao tc, bc xp, vn chuyn, a dng c n cng trng lp t

Cu 10: Ph BH tiu chun l g? 1. nh ngha: ph BH tiu chun l ph BH i vi cc ri ro tiu chun c BH quy nh trong n BH lp t tiu chun ca cty MunichRe 2. Ph BH tiu chun gm: ph c bn + ph ph ng t & ph ph l lt 2.1Ph c bn: l mc ph ti thiu i vi 1 cng trnh. c xy dng trn c s phn nghn gi tr BH ca cng trnh. Ph ny tnh cho: My mc, thit b lu kho ti cng trng k t khi d khi phng tin vn chuyn (ko qu 3 thng lu kho, ko qu thi gian lp t ghi trong n BH) Chi ph xy dng lp t (nu c ) Chy th (ko qu 4 tun)
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Hi nhng bn tr FTU pht cung v mn Bo him

2.2Ph ph ng t: t l ph ph xc nh bng phn nghn trn nm/ cng trnh trn 1 nm th theo thng. Cn c vo 2 yu t Tnh cht ca tng loi cng trnh Mc nh hng ca ng t n cng trnh

2.3Ph ph bo lt: t l ph ph xc nh bng phn nghn trn nm ca gi tr BH. Trong qu trnh lp t c my mc lu kho, ph ph bo lt tng thm 0.15% T l ph ph bo lt ph thuc: Sc chu ng ca cng trnh i vi tc ng ca gi, bo lt Khu vc ri ro ni tin hnh cc cng trnh lp t

Cu 13: Gi tr BH & s tin BH trong BH lp t? 1. Gi tr BH trong BH lp t gm: 1.1Gi tr thay th mi ca my mc, thit b mi tng ng phc v cho vic lp t: gm gi mua gc, khon chi ph vn chuyn, thu hi quan, lu kho/bi 1.2Gi tr ca vic xy dng: gm gi tr ca vic xy dng nh xng lu kho, xy b my 1.3Gi tr chi ph dn dp khi c tn tht: t 5 10% gi tr ca tng s thit hi 1.4Gi tr ti sn trn & xung quanh cng trng: l gi tr thc t ca ti sn khi tham gia BH 2. S tin BH lp t: Yu cu: STBH =< gi tr y ca mi hng mc ti thi im hon thnh vic lp t STBH bao gm: gi tr ca i tng BH, cc ph vn ti, thu hi quan, thu khc & chi ph lp t

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