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BTmau Bao Hiem 1
BTmau Bao Hiem 1
Cu 1: Mt l hng tr gi 2.000.000 USD ( gi CFR ) c bo him cho ton b gi tr cng li c tnh 10%, t l ph
l 0,5%. Yu cu: xc nh ph bo him cho l hng? (Kt qu ly trn s).
Ph bo him = (C+F) x (a+1) x R/(1-R) = 2.000.000 x (1+0,1) x 0,05/(1-0,05)
Cu 2: Mt ti sn tr gi 10.000 USD c mua bo him ng gi tr, vi iu kin min thng c khu tr 1.500
USD. Trn ng vn chuyn, ti sn b thit hi tr gi 8.000 USD do ri ro c bo him gy ra. Yu cu: Tnh s tin
bi thng ca cng ty bo him theo nguyn tc bi thng c min thng?
S tin bo him = 8.000 1.500
Cu 3: Xe khch Y b tai nn thit hi vo ngy 01/06/2002 (li hon ton thuc xe khch Y) :
Chi ph sa cha xe: 60 tr
Hnh khch th nht b thng, chi ph iu tr : 18 tr
Hnh khch th hai b thng, chi ph iu tr : 15 tr
Li xe Y b thng, chi ph iu tr : 10 tr
Yu cu: Tnh s tin bi thng ca nh bo him theo hp ng bo him trch nhim dn s ca ch xe c gii i vi
hnh khch vn chuyn trn xe? Bit ch xe thc hin ngha v bo him bt buc mc trch nhim 30tr/ng/v v
ti sn/v.
S tin bi thng ca nh bo him = 18 + 15
Cu 4: Mt hp ng bo him c s liu sau:
Gi tr BH: 10.000 USD
S tin BH: 8.000 USD
Mc khu tr 5% gi tr tn tht khng thp hn 500 USD
Gi tr tn tht 3.500 USD
Yu cu: Tnh s tin bi thng ca nh bo him trong trng hp ny? Bit rng mc khu tr c p dng sau khi
p dng iu khon bi thng theo t l.
Mc khu tr = 0,05 x 3.500 = 175 <500 (v khng thp hn 500 USD nn ly l 500 USD)
S tin bo him = (3.500 x 8.000/10.000) 500
Cu 5: Khi k kt hp ng BH, ph bo him m ngi tham gia bo him np l 120.000 ng. Mt v tn tht xy ra,
thit hi l 2 triu ng. Do xc nh li mc ri ro, ngi bo him xc nh mc ph l ra ngi tham gia bo him
phi np l 150.000 ng. Mc min thng c khu tr 100.000 ng. S tin bi thng ca ngi bo him l bao
nhiu?
S tin bo him = Tr gi thit hai x (S ph np/S ph l ra phi np) . V y c mc min thng nn
tr i 100.000.
STBT = [ 2.000.000 x (120.000/150.000) ] 100.000 = 1.500.000 ng
Cu 6: Cng ty lng thc thc phm X nhp khu 400.000 bao bt m tr gi 3.200.000 USD. Ch hng mua bo him
theo iu kin bo him A (QTCB 1998) trn ton b tr gi l hng l 3.520.000 USD. Khi hng v n cng b h hng
nh sau:
7.000 bao b ngm nc, trong 5.000 bao b h hng hon ton, 2.000 bao b gim gi tr 30%.
3.000 bao b rch v gim gi tr 30% ( vn n ghi ch bao b mc, mt s b rch)
Ch hng yu cu cng ty bo him bi thng 88.000 USD tr gi hng h hng.
Yu cu: Tnh s tin bi thng v hng ha ca cng ty bo him cho ch hng? (khng k chi ph gim nh)
STBT = [(5.000 + 2.000 x 30%) x 3.520.000] / 400.000 = 49.280 USD
Cu 7: Mt ti sn tr gi 10.000 USD c mua bo him vi s tin 8.500 USD. Trn ng vn chuyn ti sn thit
hi tr gi 8.000 USD do ri ro c bo him gy ra. Yu cu: Tnh s tin bi thng ca cng ty bo him theo quy tc
bi thng theo t l ?
STBT = 8.000 x 8.500/10.000 = 6.800 USD
Cu 8: Mt ti sn tr gi 20.000 VTT, c bo him bng 2 hp ng bo him:
Hp ng 1: STBH = 8.000 VTT
[1]
[2]
Xe B
-Thn v: 120 tr
-ng c: 30 tr
-Hnh khch th nht: 25 tr
-Hnh khch th hai: 8 tr
Li
30%
70%
Xe ti A tham gia bo him b phn thn v ng gi tr ti Bo Minh
Xe B tham gia bo him thn xe vi s tin bo him bng 80% gi tr xe ti Bo Vit
Yu cu: Tnh s tin bi thng ca Bo Minh cho xe A trong v tai nn trn
STBT = 60 tr x 70% = 42 tr
Cu 22: Xe ti X m va vo 1 em hc sinh gy hu qu nh sau:
Em hc sinh b gy xng hm
Chi ph iu tr ht 5.000.000 VN
Yu cu: Xc nh s tin em hc sinh nhn c t cc hp ng bo him? Bit rng:
[3]
[4]
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