BO HIM PHI NHN TH

1. nh ngha:
- Theo mc 18, iu 3, Lut kinh doanh bo him: 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. - Theo mc 2, iu 7, Lut kinh doanh bo him Bo him phi nhn th bao gm cc nghip v: a)Bo him sc khe v bo him tai nn con ngi; b)Bo him ti sn v bo him thit hi; c)Bo him hng ha vn chuyn ng b, ng bin, ng sng, ng st v ngkhng; 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.

2. Phn loi:
Nu cn c vo hnh thc tham gia: Bo him bt buc Mt s loi bo him bt buc: + Bo him xe my + Bo him chy n + Bo him trch nhim ngh nghip ca cng chng vin + Bo him trch nhim ngh nghip vi DN mi gii BH. Bo him t nguyn

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Vic tham gia bo him hay khng ph thuc vo nhu cu v nhn thc ca ngi tham gia. Phn ln bo him phi nhn th l bo him t nguyn. Nu cn c vo i tng: Bo him ti sn: l loi bo him c i tng l ti sn hu hnh (xe my) hoc v hnh (bng sng ch, bn quyn, nhn hng ha) Bo him trch nhim dn s - Trch nhim dn s c nhn chung l trch nhim bi thng thit hi. Ngi gy thit hi phi b p thit hi bng mt khon tin cho ngi b hi. - Mt s loi BH trch nhim dn s: + Bo him trch nhim dn s ca ch xe c gii i vi ngi th 3 v hnh khch trn xe + Bo him TNDS ca ch hng hng khng + Bo him trch nhim sn phm + Bo him TNDS ca ch tu bin Bo him con ngi phi nhn th Nhng ri ro trong BH con ngi phi nhn th l tai nn, bnh tt, m au, t vong Mt s BH con ngi phi nhn th hin nay: Bo him tai nn Bo him tr cp nm vin v phu thut Bo him tai nn du lch

3. c im:
- Qu trnh hot ng kinh doanh l qu trnh to lp, qun l v s dng qu tin t qu tin t ca cc donh nghip bo him - Ngi c bo him ch nhn tin bo him khi rp ri ro trong thi hn hp ng bo him, cn nu khng gp ri ro th ngi tham gia bo him s khng c nhn bt c chi ph no. - Nhng ri ro c bo him phi l ri ro bt ng, khng lng trc c, nguyn nhn gy ri ro phi l khch quan v khng c . - Ph bo him phi nhn th thp hn nhiu so vi ph bo him nhn th - Thi hn bo him ngn, thng di 1 nm, 1 nm hoc theo thi gian ca 1 d n no - Bo him phi nhn th khng mang tnh tch ly tit kim (nh bo him nhn th) - Hng ti i tng khng lin quan n tui th con ngi. - Ph bo him thng c ng lun 1 ln (Bo him nhn th ng nh k) - Nu BH nhn th s dng k thut dn tch th Bo him nhn th c dng k thut phn chia. (Bo him nhn th l 1 hnh thc tch ly tit kim cn Bo him phi nhn th l hnh thc kinh doanh ri ro bng cch phn chia qu tin ca tt c nhng ngi tham gia bo him)

4. V d:
Bo him xe my 1 nm tr gi 66.000 ng trong khi Bo him trn i c mc ph ti thiu 1.2 triu/1 nm (HSBC)

Bo him trn i c tr khi ht hn hp ng, bo him tai nn c tr cho ngi ng bo him khi tai nn xy ra i vi ngi tham gia bo him.