QUC HI ______ Lut s: 24/2000/QH10

CNG HO X HI CH NGHA VIT NAM c lp - T do - Hnh phc _______________ LUT KINH DOANH BO HIM

bo v quyn v li ch hp php ca t chc, c nhn tham gia bo him; y mnh hot ng kinh doanh bo him; gp phn thc y v duy tr s pht trin bn vng ca nn kinh t - x hi, n nh i sng nhn dn; tng cng hiu lc qun l nh nc i vi hot ng kinh doanh bo him; Cn c vo Hin php nc Cng ho x hi ch ngha Vit Nam nm 1992; Lut ny quy nh v kinh doanh bo him. CH NG I NH NG Q UY NH CH UNG iu 1. Phm vi iu chnh 1. Lut ny iu chnh t chc v hot ng kinh doanh bo him, xc nh quyn v ngha v ca t chc, c nhn tham gia bo him. 2. Lut ny khng p dng i vi bo him x hi, bo him y t, bo him tin gi v cc loi bo him khc do Nh nc thc hin khng mang tnh kinh doanh. iu 2. p dng Lut kinh doanh bo him, php lut c lin quan, iu c quc t, tp qun quc t 1. T chc v hot ng kinh doanh bo him trn lnh th Cng ho x hi ch ngha Vit Nam phi tun th quy nh ca Lut ny v cc quy nh khc ca php lut c lin quan. 2. Trong trng hp iu c quc t m Cng ho x hi ch ngha Vit Nam k kt hoc tham gia c quy nh khc vi quy nh ca Lut ny th p dng quy nh ca iu c quc t . 3. Cc bn tham gia bo him c th tho thun p dng tp qun quc t, nu tp qun khng tri vi php lut Vit Nam.

iu 3. Gii thch t ng Trong Lut ny, cc t ng di y c hiu nh sau: 1. Kinh doanh bo him l hot ng ca doanh nghip bo him nhm mc ch sinh li, theo doanh nghip bo him chp nhn ri ro ca ngi c bo him, trn c s bn mua bo him ng ph bo him doanh nghip bo him tr tin bo him cho ngi th hng hoc bi thng cho ngi c bo him khi xy ra s kin bo him. 2. Kinh doanh ti bo him l hot ng ca doanh nghip bo him nhm mc ch sinh li, theo doanh nghip bo him nhn mt khon ph bo him ca doanh nghip bo him khc cam kt bi thng cho cc trch nhim nhn bo him. 3. Hot ng i l bo him l hot ng gii thiu, cho bn bo him, thu xp vic giao kt hp ng bo him v cc cng vic khc nhm thc hin hp ng bo him theo u quyn ca doanh nghip bo him. 4. Hot ng mi gii bo him l vic cung cp thng tin, t vn cho bn mua bo him v sn phm bo him, iu kin bo him, mc ph bo him, doanh nghip bo him v cc cng vic lin quan n vic m phn, thu xp v thc hin hp ng bo him theo yu cu ca bn mua bo him. 5. Doanh nghip bo him l doanh nghip c thnh lp, t chc v hot ng theo quy nh ca Lut ny v cc quy nh khc ca php lut c lin quan kinh doanh bo him, ti bo him. 6. Bn mua bo him l t chc, c nhn giao kt hp ng bo him vi doanh nghip bo him v ng ph bo him. Bn mua bo him c th ng thi l ngi c bo him hoc ngi th hng. 7. Ngi c bo him l t chc, c nhn c ti sn, trch nhim dn s, tnh mng c bo him theo hp ng bo him. Ngi c bo him c th ng thi l ngi th hng. 8. Ngi th hng l t chc, c nhn c bn mua bo him ch nh nhn tin bo him theo hp ng bo him con ngi. 9. Quyn li c th c bo him l quyn s hu, quyn chim hu, quyn s dng, quyn ti sn; quyn, ngha v nui dng, cp dng i vi i tng c bo him. 10. S kin bo him l s kin khch quan do cc bn tho thun hoc php lut quy nh m khi s kin xy ra th doanh nghip bo him phi tr tin bo him cho ngi th hng hoc bi thng cho ngi c bo him.

11. Ph bo him l khon tin m bn mua bo him phi ng cho doanh nghip bo him theo thi hn v phng thc do cc bn tho thun trong hp ng bo him. 12. Bo him nhn th l loi nghip v bo him cho trng hp ngi c bo him sng hoc cht. 13. Bo him sinh k l nghip v bo him cho trng hp ngi c bo him sng n mt thi hn nht nh, theo doanh nghip bo him phi tr tin bo him cho ngi th hng, nu ngi c bo him vn sng n thi hn c tho thun trong hp ng bo him. 14. Bo him t k l nghip v bo him cho trng hp ngi c bo him cht trong mt thi hn nht nh, theo doanh nghip bo him phi tr tin bo him cho ngi th hng, nu ngi c bo him cht trong thi hn c tho thun trong hp ng bo him. 15. Bo him hn hp l nghip v bo him kt hp bo him sinh k v bo him t k. 16. Bo him trn i l nghip v bo him cho trng hp ngi c bo him cht vo bt k thi im no trong sut cuc i ca ngi . 17. Bo him tr tin nh k l nghip v bo him cho trng hp ngi c bo him sng n mt thi hn nht nh; sau thi hn doanh nghip bo him phi tr tin bo him nh k cho ngi th hng theo tho thun trong hp ng bo him. 18. Bo him phi nhn th l loi nghip v bo him ti sn, trch nhim dn s v cc nghip v bo him khc khng thuc bo him nhn th. iu 4. Bo m ca Nh nc i vi kinh doanh bo him 1. Nh nc bo h quyn, li ch hp php ca cc t chc, c nhn tham gia bo him v cc t chc kinh doanh bo him. 2. Nh nc u t vn v cc ngun lc khc doanh nghip nh nc kinh doanh bo him pht trin, gi vai tr ch o trn th trng bo him. 3. Nh nc c chnh sch pht trin th trng bo him Vit Nam, chnh sch u i i vi cc nghip v bo him phc v mc tiu pht trin kinh t x hi, c bit l chng trnh pht trin nng nghip, lm nghip, ng nghip. iu 5. Hp tc quc t trong lnh vc kinh doanh bo him Nh nc thng nht qun l, c chnh sch m rng hp tc quc t trong lnh vc kinh doanh bo him trn c s tn trng c lp, ch quyn, bnh ng, cng c li theo hng a phng ho, a dng ho; khuyn khch cc

doanh nghip bo him, doanh nghip mi gii bo him nc ngoi thu ht cc nh u t nc ngoi u t vn vo Vit Nam v ti u t li nhun thu c t hot ng kinh doanh bo him phc v cng cuc pht trin kinh t - x hi Vit Nam; to iu kin doanh nghip bo him, doanh nghip mi gii bo him tng cng hp tc vi nc ngoi nhm nng cao hiu qu kinh doanh bo him. iu 6. Nhng nguyn tc c bn trong hot ng bo him 1. T chc, c nhn c nhu cu bo him ch c tham gia bo him ti doanh nghip bo him hot ng Vit Nam. 2. Doanh nghip bo him phi bo m cc yu cu v ti chnh thc hin cc cam kt ca mnh i vi bn mua bo him. iu 7. Cc loi nghip v bo him 1. Bo him nhn th bao gm: A) Bo him trn i; B) Bo him sinh k; C) Bo him t k; D) Bo him hn hp; ) Bo him tr tin nh k; E) Cc nghip v bo him nhn th khc do Chnh ph quy nh. 2. Bo him phi nhn th bao gm: A) Bo him sc kho v bo him tai nn con ngi; B) Bo him ti sn v bo him thit hi; C) Bo him hng ho vn chuyn ng b, ng bin, ng sng, ng st v ng khng; D) Bo him hng khng; ) Bo him xe c gii; E) Bo him chy, n; G) Bo him thn tu v trch nhim dn s ca ch tu; H) Bo him trch nhim chung; I) Bo him tn dng v ri ro ti chnh; K) Bo him thit hi kinh doanh; L) Bo him nng nghip;

M) Cc nghip v bo him phi nhn th khc do Chnh ph quy nh. 3. B Ti chnh quy nh danh mc chi tit cc sn phm bo him. iu 8. Bo him bt buc 1. Bo him bt buc l loi bo him do php lut quy nh v iu kin bo him, mc ph bo him, s tin bo him ti thiu m t chc, c nhn tham gia bo him v doanh nghip bo him c ngha v thc hin. Bo him bt buc ch p dng i vi mt s loi bo him nhm mc ch bo v li ch cng cng v an ton x hi. 2. Bo him bt buc bao gm: A) Bo him trch nhim dn s ca ch xe c gii, bo him trch nhim dn s ca ngi vn chuyn hng khng i vi hnh khch; B) Bo him trch nhim ngh nghip i vi hot ng t vn php lut; C) Bo him trch nhim ngh nghip ca doanh nghip mi gii bo him; D) Bo him chy, n. 3. Cn c vo nhu cu pht trin kinh t - x hi tng thi k, Chnh ph trnh y ban thng v Quc hi quy nh loi bo him bt buc khc. iu 9. Ti bo him 1. Doanh nghip bo him c th ti bo him cho cc doanh nghip bo him khc, k c doanh nghip bo him nc ngoi. 2. Trong trng hp ti bo him cho cc doanh nghip bo him nc ngoi, doanh nghip bo him phi ti bo him mt phn trch nhim nhn bo him cho doanh nghip kinh doanh ti bo him trong nc theo quy nh ca Chnh ph. iu 10. Hp tc v cnh tranh trong kinh doanh bo him 1. Doanh nghip bo him, i l bo him, doanh nghip mi gii bo him c hp tc v cnh tranh hp php trong kinh doanh bo him. 2. Nghim cm cc hnh vi sau y: A) Thng tin, qung co sai s tht v ni dung, phm vi hot ng, iu kin bo him lm tn hi n quyn, li ch hp php ca bn mua bo him;

B) Tranh ginh khch hng di cc hnh thc ngn cn, li ko, mua chuc, e da nhn vin hoc khch hng ca doanh nghip bo him, i l bo him, doanh nghip mi gii bo him khc; C) Khuyn mi bt hp php; D) Cc hnh vi cnh tranh bt hp php khc. iu 11. Quyn tham gia cc t chc x hi - ngh nghip v kinh doanh bo him Doanh nghip bo him, i l bo him, doanh nghip mi gii bo him c tham gia cc t chc x hi - ngh nghip v kinh doanh bo him nhm mc ch pht trin th trng bo him, bo v quyn, li ch hp php ca thnh vin theo quy nh ca php lut. CH NG II H P NG BO H IM MC 1 QUY NH CHUNG V HP NG BO HIM iu 12. Hp ng bo him 1. Hp ng bo him l s tho thun gia bn mua bo him v doanh nghip bo him, theo bn mua bo him phi ng ph bo him, doanh nghip bo him phi tr tin bo him cho ngi th hng hoc bi thng cho ngi c bo him khi xy ra s kin bo him. 2. Cc loi hp ng bo him bao gm: A) Hp ng bo him con ngi; B) Hp ng bo him ti sn; C) Hp ng bo him trch nhim dn s. 3. Hp ng bo him hng hi c p dng theo quy nh ca B lut hng hi; i vi nhng vn m B lut hng hi khng quy nh th p dng theo quy nh ca Lut ny. 4. Nhng vn lin quan n hp ng bo him khng quy nh trong Chng ny c p dng theo quy nh ca B lut dn s v cc quy nh khc ca php lut c lin quan. iu 13. Ni dung ca hp ng bo him

1. Hp ng bo him phi c nhng ni dung sau y: A) Tn, a ch ca doanh nghip bo him, bn mua bo him, ngi c bo him hoc ngi th hng; B) i tng bo him; C) S tin bo him, gi tr ti sn c bo him i vi bo him ti sn; D) Phm vi bo him, iu kin bo him, iu khon bo him; ) iu khon loi tr trch nhim bo him; E) Thi hn bo him; G) Mc ph bo him, phng thc ng ph bo him; H) Thi hn, phng thc tr tin bo him hoc bi thng; I) Cc quy nh gii quyt tranh chp; K) Ngy, thng, nm giao kt hp ng. 2. Ngoi nhng ni dung quy nh ti khon 1 iu ny, hp ng bo him c th c cc ni dung khc do cc bn tho thun. iu 14. Hnh thc hp ng bo him Hp ng bo him phi c lp thnh vn bn. Bng chng giao kt hp ng bo him l giy chng nhn bo him, n bo him, in bo, telex, fax v cc hnh thc khc do php lut quy nh. iu 15. Thi im pht sinh trch nhim bo him Trch nhim bo him pht sinh khi hp ng bo him c giao kt hoc khi c bng chng doanh nghip bo him chp nhn bo him v bn mua bo him ng ph bo him, tr trng hp c tho thun khc trong hp ng bo him. iu 16. iu khon loi tr trch nhim bo him 1. iu khon loi tr trch nhim bo him quy nh trng hp doanh nghip bo him khng phi bi thng hoc khng phi tr tin bo him khi xy ra s kin bo him. 2. iu khon loi tr trch nhim bo him phi c quy nh r trong hp ng bo him. Doanh nghip bo him phi gii thch r cho bn mua bo him khi giao kt hp ng.

3. Khng p dng iu khon loi tr trch nhim bo him trong cc trng hp sau y: A) Bn mua bo him vi phm php lut do v ; B) Bn mua bo him c l do chnh ng trong vic chm thng bo cho doanh nghip bo him v vic xy ra s kin bo him. iu 17. Quyn v ngha v ca doanh nghip bo him 1. Doanh nghip bo him c quyn: A) Thu ph bo him theo tho thun trong hp ng bo him; B) Yu cu bn mua bo him cung cp y , trung thc thng tin lin quan n vic giao kt v thc hin hp ng bo him; C) n phng nh ch thc hin hp ng bo him theo quy nh ti khon 2 iu 19, khon 2 iu 20, khon 2 iu 35 v khon 3 iu 50 ca Lut ny; D) T chi tr tin bo him cho ngi th hng hoc t chi bi thng cho ngi c bo him trong trng hp khng thuc phm vi trch nhim bo him hoc trng hp loi tr trch nhim bo him theo tho thun trong hp ng bo him; ) Yu cu bn mua bo him p dng cc bin php phng, hn ch tn tht theo quy nh ca Lut ny v cc quy nh khc ca php lut c lin quan; E) Yu cu ngi th ba bi hon s tin bo him m doanh nghip bo him bi thng cho ngi c bo him do ngi th ba gy ra i vi ti sn v trch nhim dn s; G) Cc quyn khc theo quy nh ca php lut. 2. Doanh nghip bo him c ngha v: A) Gii thch cho bn mua bo him v cc iu kin, iu khon bo him; quyn, ngha v ca bn mua bo him; B) Cp cho bn mua bo him giy chng nhn bo him, n bo him ngay sau khi giao kt hp ng bo him; C) Tr tin bo him kp thi cho ngi th hng hoc bi thng cho ngi c bo him khi xy ra s kin bo him; D) Gii thch bng vn bn l do t chi tr tin bo him hoc t chi bi thng;

) Phi hp vi bn mua bo him gii quyt yu cu ca ngi th ba i bi thng v nhng thit hi thuc trch nhim bo him khi xy ra s kin bo him; E) Cc ngha v khc theo quy nh ca php lut. iu 18. Quyn v ngha v ca bn mua bo him 1. Bn mua bo him c quyn: A) La chn doanh nghip bo him hot ng ti Vit Nam mua bo him; B) Yu cu doanh nghip bo him gii thch cc iu kin, iu khon bo him; cp giy chng nhn bo him hoc n bo him; C) n phng nh ch thc hin hp ng bo him theo quy nh ti khon 3 iu 19, khon 1 iu 20 ca Lut ny; D) Yu cu doanh nghip bo him tr tin bo him cho ngi th hng hoc bi thng cho ngi c bo him theo tho thun trong hp ng bo him khi xy ra s kin bo him; ) Chuyn nhng hp ng bo him theo tho thun trong hp ng bo him hoc theo quy nh ca php lut; E) Cc quyn khc theo quy nh ca php lut. 2. Bn mua bo him c ngha v: A) ng ph bo him y , theo thi hn v phng thc tha thun trong hp ng bo him; B) K khai y , trung thc mi chi tit c lin quan n hp ng bo him theo yu cu ca doanh nghip bo him; C) Thng bo nhng trng hp c th lm tng ri ro hoc lm pht sinh thm trch nhim ca doanh nghip bo him trong qu trnh thc hin hp ng bo him theo yu cu ca doanh nghip bo him; D) Thng bo cho doanh nghip bo him v vic xy ra s kin bo him theo tho thun trong hp ng bo him; ) p dng cc bin php phng, hn ch tn tht theo quy nh ca Lut ny v cc quy nh khc ca php lut c lin quan; E) Cc ngha v khc theo quy nh ca php lut. iu 19. Trch nhim cung cp thng tin 1. Khi giao kt hp ng bo him, doanh nghip bo him c trch nhim cung cp y thng tin lin quan n hp ng bo him, gii thch cc iu

kin, iu khon bo him cho bn mua bo him; bn mua bo him c trch nhim cung cp y thng tin lin quan n i tng bo him cho doanh nghip bo him. Cc bn chu trch nhim v tnh chnh xc, trung thc ca thng tin . Doanh nghip bo him c trch nhim gi b mt v thng tin do bn mua bo him cung cp. 2. Doanh nghip bo him c quyn n phng nh ch thc hin hp ng bo him v thu ph bo him n thi im nh ch thc hin hp ng bo him khi bn mua bo him c mt trong nhng hnh vi sau y: A) C cung cp thng tin sai s tht nhm giao kt hp ng bo him c tr tin bo him hoc c bi thng; B) Khng thc hin cc ngha v trong vic cung cp thng tin cho doanh nghip bo him theo quy nh ti im c khon 2 iu 18 ca Lut ny. 3. Trong trng hp doanh nghip bo him c cung cp thng tin sai s tht nhm giao kt hp ng bo him th bn mua bo him c quyn n phng nh ch thc hin hp ng bo him; doanh nghip bo him phi bi thng thit hi pht sinh cho bn mua bo him do vic cung cp thng tin sai s tht. iu 20. Thay i mc ri ro c bo him 1. Khi c s thay i nhng yu t lm c s tnh ph bo him, dn n gim cc ri ro c bo him th bn mua bo him c quyn yu cu doanh nghip bo him gim ph bo him cho thi gian cn li ca hp ng bo him. Trong trng hp doanh nghip bo him khng chp nhn gim ph bo him th bn mua bo him c quyn n phng nh ch thc hin hp ng bo him, nhng phi thng bo ngay bng vn bn cho doanh nghip bo him. 2. Khi c s thay i nhng yu t lm c s tnh ph bo him, dn n tng cc ri ro c bo him th doanh nghip bo him c quyn tnh li ph bo him cho thi gian cn li ca hp ng bo him. Trong trng hp bn mua bo him khng chp nhn tng ph bo him th doanh nghip bo him c quyn n phng nh ch thc hin hp ng bo him, nhng phi thng bo ngay bng vn bn cho bn mua bo him. iu 21. Gii thch hp ng bo him Trong trng hp hp ng bo him c iu khon khng r rng th iu khon c gii thch theo hng c li cho bn mua bo him. iu 22. Hp ng bo him v hiu 1. Hp ng bo him v hiu trong cc trng hp sau y: A) Bn mua bo him khng c quyn li c th c bo him;

B) Ti thi im giao kt hp ng bo him, i tng bo him khng tn ti; C) Ti thi im giao kt hp ng bo him, bn mua bo him bit s kin bo him xy ra; D) Bn mua bo him hoc doanh nghip bo him c hnh vi la di khi giao kt hp ng bo him; ) Cc trng hp khc theo quy nh ca php lut. 2. Vic x l hp ng bo him v hiu c thc hin theo quy nh ca B lut dn s v cc quy nh khc ca php lut c lin quan. iu 23. Chm dt hp ng bo him Ngoi cc trng hp chm dt hp ng theo quy nh ca B lut dn s, hp ng bo him cn chm dt trong cc trng hp sau y: 1. Bn mua bo him khng cn quyn li c th c bo him; 2. Bn mua bo him khng ng ph bo him hoc khng ng ph bo him theo thi hn tho thun trong hp ng bo him, tr trng hp cc bn c tho thun khc; 3. Bn mua bo him khng ng ph bo him trong thi gian gia hn ng ph bo him theo tho thun trong hp ng bo him. iu 24. Hu qu php l ca vic chm dt hp ng bo him 1. Trong trng hp chm dt hp ng bo him theo quy nh ti khon 1 iu 23 ca Lut ny, doanh nghip bo him phi hon li ph bo him cho bn mua bo him tng ng vi thi gian cn li ca hp ng bo him m bn mua bo him ng ph bo him, sau khi tr cc chi ph hp l c lin quan n hp ng bo him. 2. Trong trng hp chm dt hp ng bo him theo quy nh ti khon 2 iu 23 ca Lut ny, bn mua bo him vn phi ng ph bo him n thi im chm dt hp ng bo him. Quy nh ny khng p dng i vi hp ng bo him con ngi. 3. Trong trng hp chm dt hp ng bo him theo quy nh ti khon 3 iu 23 ca Lut ny, doanh nghip bo him vn phi chu trch nhim bi thng cho ngi c bo him khi s kin bo him xy ra trong thi gian gia hn ng ph; bn mua bo him vn phi ng ph bo him cho n ht thi gian gia hn theo tho thun trong hp ng bo him. Quy nh ny khng p dng i vi hp ng bo him con ngi.

4. Hu qu php l ca vic chm dt hp ng bo him trong cc trng hp khc c thc hin theo quy nh ca B lut dn s v cc quy nh khc ca php lut c lin quan. iu 25. Sa i, b sung hp ng bo him 1. Bn mua bo him v doanh nghip bo him c th tho thun sa i, b sung ph bo him, iu kin, iu khon bo him, tr trng hp php lut c quy nh khc. 2. Mi sa i, b sung hp ng bo him phi c lp thnh vn bn. iu 26. Chuyn nhng hp ng bo him 1. Bn mua bo him c th chuyn nhng hp ng bo him theo tho thun trong hp ng bo him. 2. Vic chuyn nhng hp ng bo him ch c hiu lc trong trng hp bn mua bo him thng bo bng vn bn cho doanh nghip bo him v vic chuyn nhng v doanh nghip bo him c vn bn chp thun vic chuyn nhng , tr trng hp vic chuyn nhng c thc hin theo tp qun quc t. iu 27. Trch nhim trong trng hp ti bo him 1. Doanh nghip bo him chu trch nhim duy nht i vi bn mua bo him theo hp ng bo him, k c trong trng hp ti bo him nhng trch nhim nhn bo him. 2. Doanh nghip nhn ti bo him khng c yu cu bn mua bo him trc tip ng ph bo him cho mnh, tr trng hp c tho thun khc trong hp ng bo him. 3. Bn mua bo him khng c yu cu doanh nghip nhn ti bo him tr tin bo him hoc bi thng cho mnh, tr trng hp c tho thun khc trong hp ng bo him. iu 28. Thi hn yu cu tr tin bo him hoc bi thng 1. Thi hn yu cu tr tin bo him hoc bi thng theo hp ng bo him l mt nm, k t ngy xy ra s kin bo him. Thi gian xy ra s kin bt kh khng hoc tr ngi khch quan khc khng tnh vo thi hn yu cu tr tin bo him hoc bi thng. 2. Trong trng hp bn mua bo him chng minh c rng bn mua bo him khng bit thi im xy ra s kin bo him th thi hn quy nh ti

khon 1 iu ny c tnh t ngy bn mua bo him bit vic xy ra s kin bo him . 3. Trong trng hp ngi th ba yu cu bn mua bo him bi thng v nhng thit hi thuc trch nhim bo him theo tho thun trong hp ng bo him th thi hn quy nh ti khon 1 iu ny c tnh t ngy ngi th ba yu cu. iu 29. Thi hn tr tin bo him hoc bi thng Khi xy ra s kin bo him, doanh nghip bo him phi tr tin bo him hoc bi thng theo thi hn tho thun trong hp ng bo him; trong trng hp khng c tho thun v thi hn th doanh nghip bo him phi tr tin bo him hoc bi thng trong thi hn 15 ngy, k t ngy nhn c y h s hp l v yu cu tr tin bo him hoc bi thng. iu 30. Thi hiu khi kin Thi hiu khi kin v hp ng bo him l ba nm, k t thi im pht sinh tranh chp. MC 2 HP NG BO HIM CON NGI iu 31. i tng ca hp ng bo him con ngi 1. i tng ca hp ng bo him con ngi l tui th, tnh mng, sc kho v tai nn con ngi. 2. Bn mua bo him ch c th mua bo him cho nhng ngi sau y: A) Bn thn bn mua bo him; B) V, chng, con, cha, m ca bn mua bo him; C) Anh, ch, em rut; ngi c quan h nui dng v cp dng; D) Ngi khc, nu bn mua bo him c quyn li c th c bo him. iu 32. S tin bo him S tin bo him hoc phng thc xc nh s tin bo him c bn mua bo him v doanh nghip bo him tho thun trong hp ng bo him. iu 33. Cn c tr tin bo him tai nn, sc kho con ngi

1. Trong bo him tai nn con ngi, doanh nghip bo him phi tr tin bo him cho ngi th hng trong phm vi s tin bo him, cn c vo thng tt thc t ca ngi c bo him v tho thun trong hp ng bo him. 2. Trong bo him sc kho con ngi, doanh nghip bo him phi tr tin bo him cho ngi c bo him trong phm vi s tin bo him, cn c vo chi ph khm bnh, cha bnh, phc hi sc kho ca ngi c bo him do bnh tt hoc tai nn gy ra v tho thun trong hp ng bo him. iu 34. Thng bo tui trong bo him nhn th 1. Bn mua bo him c ngha v thng bo chnh xc tui ca ngi c bo him vo thi im giao kt hp ng bo him lm c s tnh ph bo him. 2. Trong trng hp bn mua bo him thng bo sai tui ca ngi c bo him, nhng tui ng ca ngi c bo him khng thuc nhm tui c th c bo him th doanh nghip bo him c quyn hu b hp ng bo him v hon tr s ph bo him ng cho bn mua bo him sau khi tr cc chi ph hp l c lin quan. Trong trng hp hp ng bo him c hiu lc t hai nm tr ln th doanh nghip bo him phi tr cho bn mua bo him gi tr hon li ca hp ng bo him. 3. Trong trng hp bn mua bo him thng bo sai tui ca ngi c bo him lm gim s ph bo him phi ng, nhng tui ng ca ngi c bo him vn thuc nhm tui c th c bo him th doanh nghip bo him c quyn: A) Yu cu bn mua bo him ng ph bo him b sung tng ng vi s tin bo him tho thun trong hp ng; B) Gim s tin bo him tho thun trong hp ng bo him tng ng vi s ph bo him ng. 4. Trong trng hp bn mua bo him thng bo sai tui ca ngi c bo him dn n tng s ph bo him phi ng, nhng tui ng ca ngi c bo him vn thuc nhm tui c th c bo him th doanh nghip bo him phi hon tr cho bn mua bo him s ph bo him vt tri ng hoc tng s tin bo him tho thun trong hp ng bo him tng ng vi s ph bo him ng. iu 35. ng ph bo him nhn th 1. Bn mua bo him c th ng ph bo him mt ln hoc nhiu ln theo thi hn, phng thc tho thun trong hp ng bo him.

2. Trong trng hp ph bo him c ng nhiu ln v bn mua bo him ng mt hoc mt s ln ph bo him nhng khng th ng c cc khon ph bo him tip theo th sau thi hn 60 ngy, k t ngy gia hn ng ph, doanh nghip bo him c quyn n phng nh ch thc hin hp ng, bn mua bo him khng c quyn i li khon ph bo him ng nu thi gian ng ph bo him di hai nm, tr trng hp cc bn c tho thun khc. 3. Trong trng hp bn mua bo him ng ph bo him t hai nm tr ln m doanh nghip bo him n phng nh ch thc hin hp ng theo quy nh ti khon 2 iu ny th doanh nghip bo him phi tr cho bn mua bo him gi tr hon li ca hp ng bo him, tr trng hp cc bn c tho thun khc. 4. Cc bn c th tho thun khi phc hiu lc hp ng bo him b n phng nh ch thc hin theo quy nh ti khon 2 iu ny trong thi hn hai nm, k t ngy b nh ch v bn mua bo him ng s ph bo him cn thiu. iu 36. Khng c khi kin i ng ph bo him Trong bo him con ngi, nu bn mua bo him khng ng hoc ng khng ph bo him th doanh nghip bo him khng c khi kin i bn mua bo him ng ph bo him. iu 37. Khng c yu cu ngi th ba bi hon Trong trng hp ngi c bo him cht, b thng tt hoc au m do hnh vi trc tip hoc gin tip ca ngi th ba gy ra, doanh nghip bo him vn c ngha v tr tin bo him m khng c quyn yu cu ngi th ba bi hon khon tin m doanh nghip bo him tr cho ngi th hng. Ngi th ba phi chu trch nhim bi thng cho ngi c bo him theo quy nh ca php lut. iu 38. Giao kt hp ng bo him con ngi cho trng hp cht 1. Khi bn mua bo him giao kt hp ng bo him con ngi cho trng hp cht ca ngi khc th phi c ngi ng bng vn bn, trong ghi r s tin bo him v ngi th hng. Mi trng hp thay i ngi th hng phi c s ng bng vn bn ca bn mua bo him. 2. Khng c giao kt hp ng bo him con ngi cho trng hp cht ca nhng ngi sau y:

A) Ngi di 18 tui, tr trng hp cha, m hoc ngi gim h ca ngi ng bng vn bn; B) Ngi ang mc bnh tm thn. iu 39. Cc trng hp khng tr tin bo him 1. Doanh nghip bo him khng phi tr tin bo him trong cc trng hp sau y: A) Ngi c bo him cht do t t trong thi hn hai nm, k t ngy np khon ph bo him u tin hoc k t ngy hp ng bo him tip tc c hiu lc; B) Ngi c bo him cht hoc b thng tt vnh vin do li c ca bn mua bo him hoc li c ca ngi th hng; C) Ngi c bo him cht do b thi hnh n t hnh. 2. Trong trng hp mt hoc mt s ngi th hng c gy ra ci cht hay thng tt vnh vin cho ngi c bo him, doanh nghip bo him vn phi tr tin bo him cho nhng ngi th hng khc theo tho thun trong hp ng bo him. 3. Trong nhng trng hp quy nh ti khon 1 iu ny, doanh nghip bo him phi tr cho bn mua bo him gi tr hon li ca hp ng bo him hoc ton b s ph bo him ng sau khi tr cc chi ph hp l c lin quan; nu bn mua bo him cht th s tin tr li c gii quyt theo quy nh ca php lut v tha k. MC 3 HP NG BO HIM TI SN iu 40. i tng ca hp ng bo him ti sn i tng ca hp ng bo him ti sn l ti sn, bao gm vt c thc, tin, giy t tr gi c bng tin v cc quyn ti sn. iu 41. S tin bo him S tin bo him l s tin m bn mua bo him yu cu bo him cho ti sn . iu 42. Hp ng bo him ti sn trn gi tr

1. Hp ng bo him ti sn trn gi tr l hp ng trong s tin bo him cao hn gi th trng ca ti sn c bo him ti thi im giao kt hp ng. Doanh nghip bo him v bn mua bo him khng c giao kt hp ng bo him ti sn trn gi tr. 2. Trong trng hp hp ng bo him ti sn trn gi tr c giao kt do li v ca bn mua bo him, doanh nghip bo him phi hon li cho bn mua bo him s ph bo him ng tng ng vi s tin bo him vt qu gi th trng ca ti sn c bo him, sau khi tr cc chi ph hp l c lin quan. Trong trng hp xy ra s kin bo him, doanh nghip bo him ch chu trch nhim bi thng thit hi khng vt qu gi th trng ca ti sn c bo him. iu 43. Hp ng bo him ti sn di gi tr 1. Hp ng bo him ti sn di gi tr l hp ng trong s tin bo him thp hn gi th trng ca ti sn c bo him ti thi im giao kt hp ng. 2. Trong trng hp hp ng bo him ti sn di gi tr c giao kt, doanh nghip bo him ch chu trch nhim bi thng theo t l gia s tin bo him v gi th trng ca ti sn c bo him ti thi im giao kt hp ng. iu 44. Hp ng bo him trng 1. Hp ng bo him trng l trng hp bn mua bo him giao kt hp ng bo him vi hai doanh nghip bo him tr ln bo him cho cng mt i tng, vi cng iu kin v s kin bo him. 2. Trong trng hp cc bn giao kt hp ng bo him trng, khi xy ra s kin bo him, mi doanh nghip bo him ch chu trch nhim bi thng theo t l gia s tin bo him tho thun trn tng s tin bo him ca tt c cc hp ng m bn mua bo him giao kt. Tng s tin bi thng ca cc doanh nghip bo him khng vt qu gi tr thit hi thc t ca ti sn. iu 45. Tn tht do hao mn t nhin hoc do bn cht vn c ca ti sn Doanh nghip bo him khng chu trch nhim trong trng hp ti sn c bo him b tn tht do hao mn t nhin hoc do bn cht vn c ca ti sn, tr trng hp c tho thun khc trong hp ng bo him. iu 46. Cn c bi thng

1. S tin bi thng m doanh nghip bo him phi tr cho ngi c bo him c xc nh trn c s gi th trng ca ti sn c bo him ti thi im, ni xy ra tn tht v mc thit hi thc t, tr trng hp c tho thun khc trong hp ng bo him. Chi ph xc nh gi th trng v mc thit hi do doanh nghip bo him chu. 2. S tin bi thng m doanh nghip bo him tr cho ngi c bo him khng vt qu s tin bo him, tr trng hp c tho thun khc trong hp ng bo him. 3. Ngoi s tin bi thng, doanh nghip bo him cn phi tr cho ngi c bo him nhng chi ph cn thit, hp l phng, hn ch tn tht v nhng chi ph pht sinh m ngi c bo him phi chu thc hin ch dn ca doanh nghip bo him. iu 47. Hnh thc bi thng 1. Bn mua bo him v doanh nghip bo him c th tho thun mt trong cc hnh thc bi thng sau y: A) Sa cha ti sn b thit hi; B) Thay th ti sn b thit hi bng ti sn khc; C) Tr tin bi thng. 2. Trong trng hp doanh nghip bo him v bn mua bo him khng tho thun c v hnh thc bi thng th vic bi thng s c thc hin bng tin. 3. Trong trng hp bi thng theo quy nh ti im b v im c khon 1 iu ny, doanh nghip bo him c quyn thu hi ti sn b thit hi sau khi thay th hoc bi thng ton b theo gi th trng ca ti sn. iu 48. Gim nh tn tht 1. Khi xy ra s kin bo him, doanh nghip bo him hoc ngi c doanh nghip bo him u quyn thc hin vic gim nh tn tht xc nh nguyn nhn v mc tn tht. Chi ph gim nh tn tht do doanh nghip bo him chu. 2. Trong trng hp cc bn khng thng nht v nguyn nhn v mc tn tht th c th trng cu gim nh vin c lp, tr trng hp c tho thun khc trong hp ng bo him. Trong trng hp cc bn khng tho thun c vic trng cu gim nh vin c lp th mt trong cc bn c yu cu To n ni xy ra tn tht hoc ni c tr ca ngi c bo him ch nh gim nh vin c lp. Kt lun ca gim nh vin c lp c gi tr bt buc i vi cc bn.

iu 49. Trch nhim chuyn quyn yu cu bi hon 1. Trong trng hp ngi th ba c li gy thit hi cho ngi c bo him v doanh nghip bo him tr tin bi thng cho ngi c bo him th ngi c bo him phi chuyn quyn yu cu ngi th ba bi hon khon tin m mnh nhn bi thng cho doanh nghip bo him. 2. Trong trng hp ngi c bo him t chi chuyn quyn cho doanh nghip bo him, khng bo lu hoc t b quyn yu cu ngi th ba bi thng th doanh nghip bo him c quyn khu tr s tin bi thng tu theo mc li ca ngi c bo him. 3. Doanh nghip bo him khng c yu cu cha, m, v, chng, con, anh, ch, em rut ca ngi c bo him bi hon khon tin m doanh nghip bo him tr cho ngi c bo him, tr trng hp nhng ngi ny c gy ra tn tht. iu 50. Cc quy nh v an ton 1. Ngi c bo him phi thc hin cc quy nh v phng chy, cha chy, an ton lao ng, v sinh lao ng v nhng quy nh khc ca php lut c lin quan nhm bo m an ton cho i tng bo him. 2. Doanh nghip bo him c quyn kim tra cc iu kin bo m an ton cho i tng bo him hoc khuyn ngh, yu cu ngi c bo him p dng cc bin php phng, hn ch ri ro. 3. Trong trng hp ngi c bo him khng thc hin cc bin php bo m an ton cho i tng bo him th doanh nghip bo him c quyn n nh mt thi hn ngi c bo him thc hin cc bin php ; nu ht thi hn ny m cc bin php bo m an ton vn khng c thc hin th doanh nghip bo him c quyn tng ph bo him hoc n phng nh ch thc hin hp ng bo him. 4. Doanh nghip bo him c th p dng cc bin php phng nga bo m an ton cho i tng bo him khi c s ng ca bn mua bo him hoc ca c quan nh nc c thm quyn. iu 51. Khng c t b ti sn c bo him Trong trng hp xy ra tn tht, ngi c bo him khng c t b ti sn c bo him, tr trng hp php lut c quy nh hoc cc bn c tho thun khc.

MC 4 HP NG BO HIM TRCH NHIM DN S iu 52. i tng ca hp ng bo him trch nhim dn s i tng ca hp ng bo him trch nhim dn s l trch nhim dn s ca ngi c bo him i vi ngi th ba theo quy nh ca php lut. iu 53. Trch nhim ca doanh nghip bo him 1. Trch nhim ca doanh nghip bo him ch pht sinh nu ngi th ba yu cu ngi c bo him bi thng thit hi do li ca ngi gy ra cho ngi th ba trong thi hn bo him. 2. Ngi th ba khng c quyn trc tip yu cu doanh nghip bo him tr tin bi thng, tr trng hp php lut c quy nh khc. iu 54. S tin bo him S tin bo him l s tin m doanh nghip bo him phi tr cho ngi c bo him theo tho thun trong hp ng bo him. iu 55. Gii hn trch nhim bo him 1. Trong phm vi s tin bo him, doanh nghip bo him phi tr cho ngi c bo him nhng khon tin m theo quy nh ca php lut ngi c bo him c trch nhim bi thng cho ngi th ba. 2. Ngoi vic tr tin bi thng theo quy nh ti khon 1 iu ny, doanh nghip bo him cn phi tr cc chi ph lin quan n vic gii quyt tranh chp v trch nhim i vi ngi th ba v li phi tr cho ngi th ba do ngi c bo him chm tr tin bi thng theo ch dn ca doanh nghip bo him. 3. Tng s tin bi thng ca doanh nghip bo him quy nh ti khon 1 v khon 2 iu ny khng vt qu s tin bo him, tr trng hp c tho thun khc trong hp ng bo him. 4. Trong trng hp ngi c bo him phi ng tin bo lnh hoc k qu bo m cho ti sn khng b lu gi hoc trnh vic khi kin ti to n th theo yu cu ca ngi c bo him, doanh nghip bo him phi thc hin vic bo lnh hoc k qu trong phm vi s tin bo him. iu 56. Quyn i din cho ngi c bo him

Doanh nghip bo him c quyn thay mt bn mua bo him thng lng vi ngi th ba v mc bi thng thit hi, tr trng hp c tho thun khc trong hp ng bo him. iu 57. Phng thc bi thng Theo yu cu ca ngi c bo him, doanh nghip bo him c th bi thng trc tip cho ngi c bo him hoc cho ngi th ba b thit hi. CH NG III DO ANH NG H IP BO H IM MC 1 CP GIY PHP THNH LP V HOT NG iu 58. Thnh lp v hot ng ca doanh nghip bo him Doanh nghip bo him c thnh lp v hot ng theo quy nh ca Lut ny v cc quy nh khc ca php lut c lin quan. iu 59. Cc loi hnh doanh nghip bo him Cc loi hnh doanh nghip bo him bao gm: 1. Doanh nghip bo him nh nc; 2. Cng ty c phn bo him; 3. T chc bo him tng h; 4. Doanh nghip bo him lin doanh; 5. Doanh nghip bo him 100% vn u t nc ngoi. iu 60. Ni dung hot ng ca doanh nghip bo him 1. Ni dung hot ng ca doanh nghip bo him bao gm: A) Kinh doanh bo him, kinh doanh ti bo him; B) phng, hn ch ri ro, tn tht; C) Gim nh tn tht; D) i l gim nh tn tht, xt gii quyt bi thng, yu cu ngi th ba bi hon; ) Qun l qu v u t vn; E) Cc hot ng khc theo quy nh ca php lut. 2. Doanh nghip bo him khng c php ng thi kinh doanh bo him nhn th v bo him phi nhn th, tr trng hp doanh nghip bo him

nhn th kinh doanh nghip v bo him sc kho v bo him tai nn con ngi b tr cho bo him nhn th. iu 61. Ni dung kinh doanh ti bo him Kinh doanh ti bo him bao gm: 1. Chuyn mt phn trch nhim nhn bo him cho mt hay nhiu doanh nghip bo him khc; 2. Nhn bo him li mt phn hay ton b trch nhim m doanh nghip bo him khc nhn bo him. iu 62. Thm quyn cp giy php thnh lp v hot ng 1. B Ti chnh cp giy php thnh lp v hot ng cho doanh nghip bo him theo quy nh ca Lut ny v cc quy nh khc ca php lut c lin quan. 2. Vic cp giy php thnh lp v hot ng cho doanh nghip bo him phi ph hp vi quy hoch, k hoch nh hng pht trin th trng bo him, th trng ti chnh ca Vit Nam. iu 63. iu kin c cp giy php thnh lp v hot ng Cc iu kin c cp giy php thnh lp v hot ng bao gm: 1. C s vn iu l gp khng thp hn mc vn php nh theo quy nh ca Chnh ph; 2. C h s xin cp giy php thnh lp v hot ng theo quy nh ti iu 64 ca Lut ny; 3. C loi hnh doanh nghip v iu l ph hp vi quy nh ca Lut ny v cc quy nh khc ca php lut; 4. Ngi qun tr, ngi iu hnh c nng lc qun l, chuyn mn, nghip v v bo him. iu 64. H s xin cp giy php thnh lp v hot ng H s xin cp giy php thnh lp v hot ng bao gm: 1. n xin cp giy php thnh lp v hot ng; 2. D tho iu l doanh nghip; 3. Phng n hot ng nm nm u, trong nu r phng thc trch lp d phng nghip v, chng trnh ti bo him, u t vn, hiu qu kinh

doanh, kh nng thanh ton ca doanh nghip bo him v li ch kinh t ca vic thnh lp doanh nghip; 4. Danh sch, l lch, cc vn bng chng minh nng lc, trnh chuyn mn, nghip v ca ngi qun tr, ngi iu hnh doanh nghip; 5. Mc vn gp v phng thc gp vn, danh sch nhng t chc, c nhn chim 10% s vn iu l tr ln; tnh hnh ti chnh v nhng thng tin khc c lin quan n cc t chc, c nhn ; 6. Quy tc, iu khon, biu ph, hoa hng bo him ca loi sn phm bo him d kin tin hnh. iu 65. Thi hn cp giy php Trong thi hn 60 ngy, k t ngy nhn h s xin cp giy php thnh lp v hot ng, B Ti chnh phi cp hoc t chi cp giy php. Trong trng hp t chi cp giy php, B Ti chnh phi c vn bn gii thch l do. Giy php thnh lp v hot ng ng thi l giy chng nhn ng k kinh doanh. iu 66. L ph cp giy php Doanh nghip bo him c cp giy php thnh lp v hot ng phi np l ph cp giy php theo quy nh ca php lut. iu 67. Cng b ni dung hot ng Sau khi c cp giy php thnh lp v hot ng, doanh nghip bo him phi cng b ni dung hot ng kinh doanh theo quy nh ca php lut. iu 68. Thu hi giy php thnh lp v hot ng 1. Doanh nghip bo him c th b thu hi giy php thnh lp v hot ng khi xy ra mt trong nhng trng hp sau y: A) H s xin cp giy php thnh lp v hot ng c thng tin c lm sai s tht; B) Sau 12 thng k t ngy c cp giy php thnh lp v hot ng m khng bt u hot ng; C) Gii th theo quy nh ti iu 82 ca Lut ny; D) Chia, tch, hp nht, sp nhp, ph sn, chuyn i hnh thc doanh nghip;

) Hot ng sai mc ch hoc khng ng vi ni dung quy nh trong giy php thnh lp v hot ng; E) Khng bo m cc yu cu v ti chnh thc hin cc cam kt vi bn mua bo him. 2. Trong trng hp b thu hi giy php thnh lp v hot ng theo quy nh ti cc im a, b, c, v e khon 1 iu ny, doanh nghip bo him phi nh ch ngay vic giao kt hp ng bo him mi, nhng vn c trch nhim tr tin bo him cho ngi th hng hoc bi thng cho ngi c bo him v phi thc hin cc hp ng bo him giao kt trc ngy b thu hi giy php thnh lp v hot ng. Trong trng hp b thu hi giy php thnh lp v hot ng theo quy nh ti im d khon 1 iu ny, quyn v ngha v ca cc bn c thc hin theo quy nh ca php lut. 3. Quyt nh thu hi giy php thnh lp v hot ng ca doanh nghip bo him c B Ti chnh cng b trn cc phng tin thng tin i chng. iu 69. Nhng thay i phi c chp thun 1. Doanh nghip bo him phi c B Ti chnh chp thun bng vn bn khi thay i mt trong nhng ni dung sau y: A) Tn doanh nghip; B) Vn iu l; C) M hoc chm dt hot ng ca chi nhnh, vn phng i din; D) a im t tr s chnh, chi nhnh, vn phng i din; ) Ni dung, phm vi v thi hn hot ng; E) Chuyn nhng c phn, phn vn gp chim 10% s vn iu l tr ln; G) Ch tch Hi ng qun tr, Tng gim c (Gim c); H) Chia, tch, sp nhp, hp nht, gii th, chuyn i hnh thc doanh nghip. 2. Trong thi hn 30 ngy, k t ngy B Ti chnh chp thun vic thay i theo quy nh ti khon 1 iu ny, doanh nghip bo him phi cng b cc ni dung thay i c chp thun theo quy nh ca php lut. MC 2 T CHC BO HIM TNG H iu 70. T chc bo him tng h

T chc bo him tng h l t chc c t cch php nhn c thnh lp kinh doanh bo him nhm tng tr, gip ln nhau gia cc thnh vin. Thnh vin t chc bo him tng h va l ch s hu va l bn mua bo him. iu 71. Thnh vin t chc bo him tng h 1. T chc, cng dn Vit Nam t 18 tui tr ln, c nng lc hnh vi dn s y , hot ng trong cng mt lnh vc, ngnh ngh, c nhu cu bo him u c quyn tham gia thnh lp t chc bo him tng h vi t cch l thnh vin sng lp. 2. Ch cc t chc, c nhn giao kt hp ng bo him vi t chc bo him tng h mi c th tr thnh thnh vin ca t chc bo him tng h. iu 72. Gii hn trch nhim ca t chc bo him tng h T chc bo him tng h ch chu trch nhim v cc khon n v cc ngha v ti sn khc ca t chc trong phm vi ti sn ca t chc. iu 73. Thnh lp, t chc v hot ng ca t chc bo him tng h Vic thnh lp, t chc v hot ng ca t chc bo him tng h do Chnh ph quy nh. MC 3 CHUYN GIAO HP NG BO HIM iu 74. Chuyn giao hp ng bo him 1. Vic chuyn giao ton b hp ng bo him ca mt hoc mt s nghip v bo him gia cc doanh nghip bo him c thc hin trong nhng trng hp sau y: A) Doanh nghip bo him c nguy c mt kh nng thanh ton; B) Doanh nghip bo him chia, tch, hp nht, sp nhp, gii th; C) Theo tho thun gia cc doanh nghip bo him. 2. Trong trng hp doanh nghip bo him c nguy c mt kh nng thanh ton, gii th m khng tho thun c vic chuyn giao hp ng bo him cho doanh nghip bo him khc th B Ti chnh ch nh doanh nghip bo him nhn chuyn giao.

iu 75. iu kin chuyn giao hp ng bo him Vic chuyn giao hp ng bo him c thc hin theo cc iu kin sau y: 1. Doanh nghip bo him nhn chuyn giao ang kinh doanh nghip v bo him c chuyn giao; 2. Cc quyn v ngha v theo hp ng bo him c chuyn giao khng thay i cho n khi ht thi hn hp ng bo him; 3. Vic chuyn giao hp ng bo him phi km theo vic chuyn giao cc qu v d phng nghip v lin quan n ton b hp ng bo him c chuyn giao. iu 76. Th tc chuyn giao hp ng bo him Vic chuyn giao hp ng bo him c thc hin theo th tc sau y: 1. Doanh nghip bo him chuyn giao hp ng bo him phi c n ngh chuyn giao hp ng bo him gi B Ti chnh nu r l do, k hoch chuyn giao, km theo hp ng chuyn giao. Vic chuyn giao hp ng bo him ch c tin hnh sau khi c B Ti chnh chp thun bng vn bn; 2. Trong thi hn 30 ngy, k t ngy B Ti chnh chp thun vic chuyn giao hp ng bo him, doanh nghip chuyn giao hp ng bo him phi cng b v vic chuyn giao v thng bo cho bn mua bo him bng vn bn. MC 4 KHI PHC KH NNG THANH TON, GII TH, PH SN DOANH NGHIP BO HIM iu 77. Kh nng thanh ton 1. Doanh nghip bo him phi lun duy tr kh nng thanh ton trong sut qu trnh hot ng kinh doanh bo him. 2. Doanh nghip bo him c coi l c kh nng thanh ton khi trch lp y d phng nghip v theo quy nh ti iu 96 ca Lut ny v c bin kh nng thanh ton khng thp hn bin kh nng thanh ton ti thiu theo quy nh ca Chnh ph. 3. Bin kh nng thanh ton ca doanh nghip bo him l phn chnh lch gia gi tr ti sn v cc khon n phi tr ca doanh nghip bo him.

iu 78. Bo co nguy c mt kh nng thanh ton 1. Doanh nghip bo him c nguy c mt kh nng thanh ton khi bin kh nng thanh ton ca doanh nghip thp hn bin kh nng thanh ton ti thiu theo quy nh Chnh ph. 2. Trong trng hp c nguy c mt kh nng thanh ton, doanh nghip bo him phi bo co ngay B Ti chnh v thc trng ti chnh, nguyn nhn dn n nguy c mt kh nng thanh ton v cc bin php khc phc. iu 79. Trch nhim ca doanh nghip bo him trong trng hp c nguy c mt kh nng thanh ton Trong trng hp c nguy c mt kh nng thanh ton, doanh nghip bo him phi thc hin cc bin php sau y: 1. Lp phng n khi phc kh nng thanh ton, cng c t chc v hot ng ca doanh nghip, bo co B Ti chnh v thc hin phng n c B Ti chnh chp thun; 2. Thc hin yu cu ca B Ti chnh v vic khi phc kh nng thanh ton. iu 80. Kim sot i vi doanh nghip bo him c nguy c mt kh nng thanh ton 1.Trong trng hp doanh nghip bo him khng khi phc c kh nng thanh ton theo phng n c chp thun, B Ti chnh ra quyt nh thnh lp Ban kim sot kh nng thanh ton p dng cc bin php khi phc kh nng thanh ton ca doanh nghip bo him. 2. Ban kim sot kh nng thanh ton c nhng nhim v, quyn hn sau y: A) Ch o v gim st vic trin khai thc hin cc bin php khi phc kh nng thanh ton theo phng n c chp thun; B) Thng bo cho cc c quan nh nc c lin quan v vic p dng cc bin php khi phc kh nng thanh ton phi hp thc hin; C) Hn ch phm vi v lnh vc hot ng ca doanh nghip bo him; D) nh ch nhng hot ng c th dn n vic doanh nghip bo him mt kh nng thanh ton; ) Yu cu doanh nghip bo him chuyn giao ton b hp ng bo him ca mt hoc mt s nghip v bo him cho doanh nghip bo him khc;

E) Tm nh ch quyn qun tr, iu hnh v yu cu doanh nghip bo him thay th thnh vin Hi ng qun tr, Tng gim c (Gim c), Ph Tng gim c (Ph gim c) nu xt thy cn thit; G) Yu cu Hi ng qun tr, Tng gim c (Gim c) min nhim, nh ch cng tc i vi nhng ngi c hnh vi vi phm php lut, khng chp hnh phng n khi phc kh nng thanh ton c chp thun; H) Kin ngh vi B Ti chnh tip tc hoc chm dt cc bin php khi phc kh nng thanh ton; I) Bo co B Ti chnh v vic p dng v kt qu ca vic p dng cc bin php khi phc kh nng thanh ton. 3. Ban kim sot kh nng thanh ton phi chu trch nhim v quyt nh ca mnh theo quy nh ca php lut trong qu trnh p dng cc bin php khi phc kh nng thanh ton ca doanh nghip bo him. 4. Doanh nghip bo him c trch nhim thc hin cc yu cu, quyt nh ca Ban kim sot kh nng thanh ton. iu 81. Chm dt vic p dng cc bin php khi phc kh nng thanh ton 1. Vic p dng cc bin php khi phc kh nng thanh ton chm dt trong cc trng hp sau y: A) Ht hn p dng bin php khi phc kh nng thanh ton; B) Hot ng ca doanh nghip bo him tr li bnh thng; C) Doanh nghip bo him c hp nht, sp nhp trc khi ht thi hn p dng bin php khi phc kh nng thanh ton,; D) Doanh nghip bo him lm vo tnh trng ph sn. 2. Vic chm dt p dng cc bin php khi phc kh nng thanh ton c thc hin theo quyt nh ca B trng B Ti chnh. Quyt nh ny c thng bo cho cc c quan c lin quan. iu 82. Gii th doanh nghip bo him 1. Doanh nghip bo him gii th trong cc trng hp sau y: A) T nguyn xin gii th nu c kh nng thanh ton cc khon n; B) Khi ht thi hn hot ng quy nh trong giy php thnh lp v hot ng m khng c quyt nh gia hn; C) B thu hi giy php thnh lp v hot ng theo quy nh ti cc im a, b, v e khon 1 iu 68 ca Lut ny;

D) Cc trng hp khc theo quy nh ca php lut. 2. Vic gii th doanh nghip bo him phi c B Ti chnh chp thun bng vn bn. iu 83. Ph sn doanh nghip bo him Trong trng hp doanh nghip bo him khng c kh nng thanh ton cc khon n n hn, sau khi p dng cc bin php khi phc kh nng thanh ton m vn mt kh nng thanh ton th vic ph sn doanh nghip bo him c thc hin theo quy nh ca php lut v ph sn doanh nghip. CH NG IV I L BO H IM , DO ANH NG H IP M I G I I BO H IM MC 1 I L BO HIM iu 84. i l bo him i l bo him l t chc, c nhn c doanh nghip bo him u quyn trn c s hp ng i l bo him thc hin hot ng i l bo him theo quy nh ca Lut ny v cc quy nh khc ca php lut c lin quan. iu 85. Ni dung hot ng i l bo him i l bo him c th c doanh nghip bo him u quyn tin hnh cc hot ng sau y: 1. Gii thiu, cho bn bo him; 2. Thu xp vic giao kt hp ng bo him; 3. Thu ph bo him; 4. Thu xp gii quyt bi thng, tr tin bo him khi xy ra s kin bo him; 5. Thc hin cc hot ng khc c lin quan n vic thc hin hp ng bo him. iu 86. iu kin hot ng i l bo him 1. C nhn hot ng i l bo him phi c cc iu kin sau y:

A) L cng dn Vit Nam thng tr ti Vit Nam; B) T 18 tui tr ln, c nng lc hnh vi dn s y ; C) C chng ch o to i l bo him do doanh nghip bo him hoc Hip hi bo him Vit Nam cp. 2. T chc hot ng i l bo him phi c cc iu kin sau y: A) L t chc c thnh lp v hot ng hp php; B) Nhn vin trong t chc i l trc tip thc hin hot ng i l bo him phi c cc iu kin quy nh ti khon 1 iu ny. 3. Ngi ang b truy cu trch nhim hnh s hoc ang phi chp hnh hnh pht t hoc b To n tc quyn hnh ngh v phm cc ti theo quy nh ca php lut khng c k kt hp ng i l bo him. iu 87. Ni dung hp ng i l bo him Hp ng i l bo him phi c cc ni dung ch yu sau y: 1. Tn, a ch ca i l bo him; 2. Tn, a ch ca doanh nghip bo him; 3. Quyn v ngha v ca doanh nghip bo him, i l bo him; 4. Ni dung v phm vi hot ng i l bo him; 5. Hoa hng i l bo him; 6. Thi hn hp ng; 7. Nguyn tc gii quyt tranh chp. iu 88. Trch nhim ca i l bo him Trong trng hp i l bo him vi phm hp ng i l bo him, gy thit hi n quyn, li ch hp php ca ngi c bo him th doanh nghip bo him vn phi chu trch nhim v hp ng bo him do i l bo him thu xp giao kt; i l bo him c trch nhim bi hon cho doanh nghip bo him cc khon tin m doanh nghip bo him bi thng cho ngi c bo him. MC 2 DOANH NGHIP MI GII BO HIM iu 89. Doanh nghip mi gii bo him

Doanh nghip mi gii bo him l doanh nghip thc hin hot ng mi gii bo him theo quy nh ca Lut ny v cc quy nh khc ca php lut c lin quan. iu 90. Ni dung hot ng mi gii bo him Ni dung hot ng mi gii bo him bao gm: 1. Cung cp thng tin v loi hnh bo him, iu kin, iu khon, ph bo him, doanh nghip bo him cho bn mua bo him; 2. T vn cho bn mua bo him trong vic nh gi ri ro, la chn loi hnh bo him, iu kin, iu khon, biu ph bo him, doanh nghip bo him; 3. m phn, thu xp giao kt hp ng bo him gia doanh nghip bo him v bn mua bo him; 4. Thc hin cc cng vic khc c lin quan n vic thc hin hp ng bo him theo yu cu ca bn mua bo him. iu 91. Quyn v ngha v ca doanh nghip mi gii bo him 1. Doanh nghip mi gii bo him c hng hoa hng mi gii bo him. Hoa hng mi gii bo him c tnh trong ph bo him. 2. Doanh nghip mi gii bo him c ngha v: A) Thc hin vic mi gii trung thc; B) Khng c tit l, cung cp thng tin lm thit hi n quyn, li ch hp php ca bn mua bo him; C) Bi thng thit hi cho bn mua bo him do hot ng mi gii bo him gy ra. iu 92. Bo him trch nhim ngh nghip Doanh nghip mi gii bo him phi mua bo him trch nhim ngh nghip cho hot ng mi gii bo him ti doanh nghip bo him hot ng Vit Nam. iu 93. Cp giy php thnh lp v hot ng Vic cp giy php thnh lp v hot ng ca doanh nghip mi gii bo him c thc hin theo quy nh ti iu 62, iu 63, cc khon 1, 2, 3 v 4 iu 64 v cc iu 65, 66, 67, 68 v 69 ca Lut ny.

CH NG V TI CH NH , H CH TO N K TO N V BO CO TI CH NH iu 94. Vn php nh, vn iu l 1. Chnh ph quy nh mc vn php nh ca doanh nghip bo him, doanh nghip mi gii bo him. 2. Trong qu trnh hot ng, doanh nghip bo him, doanh nghip mi gii bo him phi lun duy tr vn iu l gp khng thp hn mc vn php nh. iu 95. K qu 1. Doanh nghip bo him phi s dng mt phn vn iu l k qu ti mt ngn hng thng mi hot ng ti Vit Nam. 2. Chnh ph quy nh mc tin k qu v cch thc s dng tin k qu. iu 96. D phng nghip v 1. D phng nghip v l khon tin m doanh nghip bo him phi trch lp nhm mc ch thanh ton cho nhng trch nhim bo him c xc nh trc v pht sinh t cc hp ng bo him giao kt. 2. D phng nghip v phi c trch lp ring cho tng nghip v bo him v phi tng ng vi phn trch nhim ca doanh nghip bo him. 3. B Ti chnh quy nh c th v mc trch lp, phng php trch lp d phng nghip v i vi tng nghip v bo him. iu 97. Qu d tr 1. Doanh nghip bo him, doanh nghip mi gii bo him phi lp qu d tr bt buc b sung vn iu l v bo m kh nng thanh ton. Qu d tr bt buc c trch hng nm theo t l 5% li nhun sau thu. Mc ti a ca qu ny do Chnh ph quy nh. 2. Ngoi qu d tr bt buc quy nh ti khon 1 iu ny, doanh nghip bo him, doanh nghip mi gii bo him c th lp cc qu d tr khc t li nhun sau thu ca nm ti chnh theo quy nh trong iu l ca doanh nghip bo him, doanh nghip mi gii bo him. iu 98. u t vn

1. Vic u t vn ca doanh nghip bo him phi bo m an ton, hiu qu v p ng c yu cu chi tr thng xuyn cho cc cam kt theo hp ng bo him. 2. Doanh nghip bo him ch c s dng vn nhn ri ca mnh u t Vit Nam trong cc lnh vc sau y: A) Mua tri phiu Chnh ph; B) Mua c phiu, tri phiu doanh nghip; C) Kinh doanh bt ng sn; D) Gp vn vo cc doanh nghip khc; ) Cho vay theo quy nh ca Lut cc t chc tn dng; E) Gi tin ti cc t chc tn dng. 3. Chnh ph quy nh c th danh mc u t thuc cc lnh vc quy nh ti khon 2 iu ny v t l vn nhn ri c php u t vo mi danh mc u t nhm bo m cho doanh nghip bo him lun duy tr c kh nng thanh ton. iu 99. Thu, chi ti chnh 1. Thu, chi ti chnh ca doanh nghip bo him, doanh nghip mi gii bo him c thc hin theo quy nh ca php lut. 2. B Ti chnh hng dn, kim tra vic thc hin ch ti chnh i vi cc doanh nghip bo him, doanh nghip mi gii bo him. iu 100. Nm ti chnh Nm ti chnh ca doanh nghip bo him, doanh nghip mi gii bo him bt u t ngy 01 thng 01 v kt thc vo ngy 31 thng 12 cng nm dng lch. Nm ti chnh u tin ca doanh nghip bo him, doanh nghip mi gii bo him bt u t ngy c cp giy php thnh lp v hot ng v kt thc vo ngy cui cng ca nm . iu 101. Ch k ton Doanh nghip bo him, doanh nghip mi gii bo him phi thc hin ch k ton p dng i vi kinh doanh bo him theo quy nh ca php lut v k ton. iu 102. Kim ton

Bo co ti chnh hng nm ca doanh nghip bo him, doanh nghip mi gii bo him phi c t chc kim ton c lp xc nhn. iu 103. Bo co ti chnh 1. Doanh nghip bo him, doanh nghip mi gii bo him phi thc hin ch bo co ti chnh theo cc quy nh ca php lut v k ton v bo co hot ng nghip v nh k theo quy nh ca B Ti chnh. 2. Ngoi nhng bo co nh k, doanh nghip bo him cn phi bo co B Ti chnh trong nhng trng hp sau y: A) Khi xy ra nhng din bin khng bnh thng trong hot ng kinh doanh ca doanh nghip; B) Khi khng bo m cc yu cu v ti chnh theo quy nh thc hin nhng cam kt vi bn mua bo him. iu 104. Cng khai bo co ti chnh Sau khi kt thc nm ti chnh, doanh nghip bo him, doanh nghip mi gii bo him phi cng b cc bo co ti chnh theo quy nh ca php lut. CH NG VI DO ANH NG H IP BO H IM V DO ANH NG H IP M I G I I BO H IM C V N U T N C NG O I iu 105. Hnh thc hot ng 1. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi c php hot ng ti Vit Nam di cc hnh thc sau y: A) Doanh nghip bo him lin doanh, doanh nghip mi gii bo him lin doanh; B) Doanh nghip bo him 100% vn u t nc ngoi, doanh nghip mi gii bo him 100% vn u t nc ngoi. 2. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi c t vn phng i din ti Vit Nam. Vn phng i din khng c kinh doanh bo him ti Vit Nam. iu 106. iu kin c cp giy php thnh lp v hot ng

Cc iu kin c cp giy php thnh lp v hot ng i vi doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi bao gm: 1. Cc iu kin quy nh ti iu 63 ca Lut ny; 2. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ang hot ng hp php v trong tnh trng ti chnh bnh thng; 3. Doanh nghip bo him nc ngoi, doanh nghip mi gii bo him nc ngoi c c quan c thm quyn ca nc ngoi cho php hot ng kinh doanh bo him, hot ng mi gii bo him trong lnh vc d kin tin hnh Vit Nam. iu 107. iu kin c cp giy php t vn phng i din ti Vit Nam iu kin c cp giy php t vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ti Vit Nam bao gm: 1. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi hot ng nm nm tr ln; 2. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi c quan h hp tc vi cc c quan, t chc Vit Nam. iu 108. Thm quyn cp giy php B Ti chnh cp giy php thnh lp v hot ng cho doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi; giy php t vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ti Vit Nam. iu 109. H s xin cp giy php thnh lp v hot ng 1. Ngoi cc ni dung quy nh ti iu 64 ca Lut ny, h s xin cp giy php thnh lp v hot ng i vi doanh nghip bo him, doanh nghip mi gii bo him lin doanh cn bao gm: A) iu l, giy php thnh lp v hot ng ca cc bn tham gia lin doanh; B) Hp ng lin doanh; C) Bng tng kt ti sn, bo co ti chnh hng nm c xc nhn ca t chc kim ton c lp v tnh hnh hot ng ca cc bn tham gia lin doanh trong ba nm gn nht.

2. Ngoi cc ni dung quy nh ti iu 64 ca Lut ny, h s xin cp giy php thnh lp v hot ng i vi doanh nghip bo him, doanh nghip mi gii bo him 100% vn u t nc ngoi cn bao gm: A) iu l, giy php thnh lp v hot ng ca doanh nghip bo him nc ngoi, doanh nghip mi gii bo him nc ngoi ni ng tr s chnh; B) Giy y quyn cho Tng gim c (Gim c) ti Vit Nam; C) Bng tng kt ti sn, bo co ti chnh hng nm c xc nhn ca t chc kim ton c lp v tnh hnh hot ng ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ni ng tr s chnh trong ba nm gn nht. iu 110. H s xin cp giy php t vn phng i din H s xin cp giy php t vn phng i din doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ti Vit Nam bao gm: 1. n xin t vn phng i din; 2. Giy php thnh lp v hot ng ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ni ng tr s chnh; 3. Bng tng kt ti sn, bo co ti chnh hng nm c xc nhn ca t chc kim ton c lp v tnh hnh hot ng ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi trong ba nm gn nht; 4. H, tn, l lch ca Trng vn phng i din ti Vit Nam; 5. Bn gii thiu v doanh nghip bo him, doanh nghip mi gii bo him nc ngoi v hot ng hp tc vi cc c quan, t chc Vit Nam. iu 111. Thi hn cp giy php, l ph cp giy php v cng b ni dung hot ng Thi hn cp giy php, l ph cp giy php v cng b ni dung hot ng i vi doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi; vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi c thc hin theo quy nh ti cc iu 65, 66 v 67 ca Lut ny. iu 112. Thu hi giy php 1. Ngoi cc quy nh ti iu 68 ca Lut ny, doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi c th b thu hi giy php thnh lp v hot ng khi doanh nghip bo him, doanh nghip mi gii

bo him nc ngoi ni ng tr s chnh b thu hi giy php thnh lp v hot ng. 2. Vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi b thu hi giy php t vn phng i din khi doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ni ng tr s chnh b thu hi giy php thnh lp v hot ng. iu 113. Nhng thay i phi c chp thun Nhng thay i phi c chp thun i vi doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi c thc hin theo quy nh ti iu 69 ca Lut ny. iu 114. Ni dung hot ng Ni dung hot ng ca doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi; vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi phi tun theo quy nh ca Lut ny v cc quy nh khc ca php lut Vit Nam. iu 115. Vn, qu d tr v thu chi ti chnh ca doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi 1. Chnh ph quy nh mc vn php nh ca doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi. 2. Vic trch lp qu d tr bt buc v cc qu d tr khc ca doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi c thc hin theo quy nh ti iu 97 ca Lut ny. 3. Thu, chi ti chnh ca doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi c thc hin theo quy nh ca php lut Vit Nam. iu 116. Kh nng thanh ton, k qu, d phng nghip v v u t vn ca doanh nghip bo him c vn u nc ngoi 1. Doanh nghip bo him c vn u t nc ngoi phi duy tr kh nng thanh ton theo quy nh ti iu 77 ca Lut ny. 2. Doanh nghip bo him c vn u t nc ngoi phi k qu, trch lp d phng nghip v theo quy nh ti iu 95 v iu 96 ca Lut ny. 3. Doanh nghip bo him c vn u t nc ngoi c u t vn theo quy nh ti iu 98 ca Lut ny.

iu 117. Ch k ton, kim ton v bo co ti chnh 1. Doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi phi thc hin ch k ton, kim ton v bo co ti chnh theo quy nh ti cc iu 101, 102, 103 v 104 ca Lut ny. 2. Trong thi hn 180 ngy, k t ngy kt thc nm ti chnh, doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi; vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi phi gi bo co ti chnh nm ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi cho B Ti chnh. iu 118. Chuyn li nhun, chuyn ti sn ra nc ngoi 1. Doanh nghip bo him, doanh nghip mi gii bo him 100% vn u t nc ngoi c chuyn ra nc ngoi s li nhun cn li thuc s hu ca mnh sau khi trch lp cc qu v thc hin y cc ngha v ti chnh theo quy nh ca php lut Vit Nam. 2. Bn nc ngoi trong doanh nghip bo him, doanh nghip mi gii bo him lin doanh c chuyn ra nc ngoi s li nhun c chia sau khi doanh nghip bo him, doanh nghip mi gii bo him lin doanh trch lp cc qu v thc hin y cc ngha v ti chnh theo quy nh ca php lut Vit Nam. 3. Doanh nghip bo him 100% vn u t nc ngoi v bn nc ngoi trong doanh nghip bo him lin doanh; doanh nghip mi gii bo him 100% vn u t nc ngoi v bn nc ngoi trong doanh nghip mi gii bo him lin doanh c chuyn ra nc ngoi s ti sn cn li ca mnh sau khi thanh l, kt thc hot ng ti Vit Nam. 4. Vic chuyn tin v cc ti sn khc ra nc ngoi quy nh ti cc khon 1, 2 v 3 iu ny c thc hin theo quy nh ca php lut Vit Nam. iu 119. Cc quy nh khc Chnh ph quy nh c th ni dung, phm vi v a bn hot ng ca doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi v vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ti Vit Nam. CH NG VII Q UN L NH N C V K INH DO ANH BO H IM

iu 120. Ni dung qun l nh nc v kinh doanh bo him Ni dung qun l nh nc v kinh doanh bo him bao gm: 1. Ban hnh v hng dn thc hin cc vn bn quy phm php lut v kinh doanh bo him; xy dng chin lc, quy hoch, k hoch v chnh sch pht trin th trng bo him Vit Nam; 2. Cp v thu hi giy php thnh lp v hot ng ca doanh nghip bo him, doanh nghip mi gii bo him; giy php t vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ti Vit Nam; 3. Ban hnh, ph chun, hng dn thc hin quy tc, iu khon, biu ph, hoa hng bo him; 4. p dng cc bin php cn thit doanh nghip bo him bo m cc yu cu v ti chnh v thc hin nhng cam kt vi bn mua bo him; 5. T chc thng tin v d bo tnh hnh th trng bo him; 6. Hp tc quc t trong lnh vc bo him; 7. Chp thun vic doanh nghip bo him, doanh nghip mi gii bo him hot ng nc ngoi; 8. Qun l hot ng ca vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ti Vit Nam; 9. T chc vic o to, xy dng i ng cn b qun l v chuyn mn, nghip v v bo him; 10. Thanh tra, kim tra hot ng kinh doanh bo him; gii quyt khiu ni, t co v x l vi phm php lut v kinh doanh bo him. iu 121. C quan qun l nh nc 1. Chnh ph thng nht qun l nh nc v kinh doanh bo him. 2. B Ti chnh chu trch nhim trc Chnh ph thc hin qun l nh nc v kinh doanh bo him. 3. Cc b, c quan ngang b, c quan thuc Chnh ph trong phm vi nhim v, quyn hn ca mnh c trch nhim qun l nh nc v kinh doanh bo him theo quy nh ca php lut. 4. y ban nhn dn cc cp trong phm vi nhim v, quyn hn ca mnh thc hin qun l nh nc v kinh doanh bo him ti a phng theo quy nh ca php lut.

iu 122. Thanh tra hot ng kinh doanh bo him 1. Vic thanh tra hot ng ca doanh nghip kinh doanh bo him phi c thc hin ng chc nng, ng thm quyn v tun th quy nh ca php lut. Vic thanh tra v ti chnh c thc hin khng qu mt ln trong mt nm i vi mt doanh nghip. Thi hn thanh tra ti a khng qu 30 ngy, trong trng hp c bit thi hn thanh tra c gia hn theo quyt nh ca c quan cp trn c thm quyn, nhng thi gian gia hn khng c qu 30 ngy. Vic thanh tra bt thng ch c thc hin khi c cn c v s vi phm php lut ca doanh nghip. 2. Khi tin hnh thanh tra phi c quyt nh ca ngi c thm quyn; khi kt thc thanh tra phi c bin bn kt lun thanh tra. Trng on thanh tra chu trch nhim v ni dung bin bn v kt lun thanh tra. 3. Ngi ra quyt nh thanh tra khng ng php lut hoc li dng thanh tra v li, sch nhiu, gy phin h cho hot ng ca doanh nghip th tu theo mc vi phm m b x l k lut hoc b truy cu trch nhim hnh s; nu gy thit hi th phi bi thng cho doanh nghip theo quy nh ca php lut. CH NG VIII K H EN TH NG V X L VI PH M iu 123. Khen thng T chc, c nhn c thnh tch trong kinh doanh bo him, pht hin nhng hnh vi vi phm php lut v kinh doanh bo him th c khen thng theo quy nh ca php lut. iu 124. Cc hnh vi vi phm php lut v kinh doanh bo him Cc hnh vi vi phm php lut v kinh doanh bo him bao gm: 1. Kinh doanh bo him khng c giy php thnh lp v hot ng hoc khng ng vi ni dung giy php thnh lp v hot ng; 2. Vi phm quy nh v cp giy php thnh lp v hot ng, thanh tra, kim tra v gim st ca c quan nh nc c thm quyn; 3. Cnh tranh bt hp php; 4. p buc giao kt hp ng bo him; 5. Vi phm quy nh v bo him bt buc;

6. Vi phm ngha v gi b mt v thng tin c lin quan n hp ng bo him do bn mua bo him cung cp; 7. Cung cp thng tin, s liu, bo co sai s tht; 8. Kinh doanh trong iu kin khng bo m yu cu v ti chnh, vi phm quy nh v vn php nh, d tr, k qu, trch lp, qun l v s dng d phng nghip v; 9. Vi phm quy nh v u t vn; 10. Cc hnh vi khc vi phm php lut v kinh doanh bo him. iu 125. X l vi phm 1. Ngi no vi phm quy nh ca Lut ny th tu theo tnh cht, mc vi phm m b x pht hnh chnh hoc b truy cu trch nhim hnh s; nu gy thit hi th phi bi thng theo quy nh ca php lut. 2. Ngi no li dng chc v, quyn hn vi phm cc quy nh v cp giy php thnh lp v hot ng, giy php t vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ti Vit Nam, qun l nh nc v kinh doanh bo him v cc quy nh khc ca Lut ny th tu theo tnh cht, mc vi phm m b x l k lut hoc b truy cu trch nhim hnh s; nu gy thit hi th phi bi thng theo quy nh ca php lut. iu 126. Khiu ni, khi kin v quyt nh x pht vi phm hnh chnh 1. T chc, c nhn b x l vi phm hnh chnh c quyn khiu ni vi c quan nh nc c thm quyn hoc khi kin ti To n theo quy nh ca php lut. 2. Trong thi gian khiu ni hoc khi kin, t chc, c nhn b x l vi phm hnh chnh vn phi thi hnh quyt nh x l vi phm hnh chnh. Khi c quyt nh gii quyt khiu ni ca c quan nh nc c thm quyn hoc bn n, quyt nh ca To n c hiu lc php lut th thi hnh theo quyt nh gii quyt khiu ni ca c quan nh nc c thm quyn hoc theo bn n, quyt nh ca To n. CH NG IX IU K H O N TH I H NH iu 127. Quy nh i vi doanh nghip bo him, doanh nghip mi gii bo him, vn phng i din c thnh lp, hot ng; hp ng bo him c giao kt trc ngy Lut ny c hiu lc

1. Doanh nghip bo him, doanh nghip mi gii bo him thnh lp v hot ng theo quyt nh thnh lp, giy php thnh lp, giy php u t, giy chng nhn tiu chun v iu kin hot ng kinh doanh bo him; vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi hot ng theo giy php t vn phng i din cp trc ngy Lut ny c hiu lc thi hnh khng phi thc hin cc th tc xin cp li giy php. 2. Cc hp ng bo him giao kt trc ngy Lut ny c hiu lc vn c tip tc thc hin theo quy nh ca php lut ti thi im giao kt hp ng. iu 128. Hiu lc thi hnh 1. Lut ny c hiu lc thi hnh k t ngy 01 thng 4 nm 2001. 2. Nhng quy nh trc y tri vi Lut ny u bi b. iu 129. Hng dn thi hnh Chnh ph quy nh chi tit v hng dn thi hnh Lut ny. ________________________________________________________________ Lut ny c Quc hi nc Cng ha x hi ch ngha Vit Nam kha X, k hp th 8 thng qua ngy 09 thng 12 nm 2000. CH TCH QUC HI ( k) Nng c Mnh