BO HIM KHCH DU LCH TRONG NC ******************

Phm vi a l: Trong phm vi lnh th Vit Nam i tng bo him: Mi cng dn Vit Nam tham quan, ngh mt, tm bin, leo ni,....
hoc ngh ti khch sn, nh ngh trong phm vi lnh th Vit Nam . Trng hp Ngi c bo him kho st, thm him, biu din nguy him, ua xe, ua nga, ua thuyn, thi u c tnh cht chuyn nghip cc mn: (bng , m bc, leo ni, lt vn).... ch c bo him vi iu kin np thm ph ph bo him cho PJICO theo quy nh. Phm vi bo him:bao gm cc ri ro sau y: 1. Cht, thng tt thn th do tai nn. 2. Tai nn c hiu theo Quy tc ny l do mt lc bt ng, ngoi mun ca Ngi c bo him, t bn ngoi tc ng ln thn th Ngi c bo him v l nguyn nhn duy nht, trc tip lm cho Ngi c bo him b cht hoc thng tt thn th. 3. Cht m au, bnh tt bt ng trong thi hn bo him. 4. Cht hoc thng tt thn th do Ngi c bo him c hnh ng cu ngi, cu ti sn ca Nh nc, ca nhn dn v tham gia chng cc hnh ng phm php.

Cc im loi tr:
PJICO khng chu trch nhim cho nhng ri ro xy ra do nguyn nhn trc tip sau y: 1. Ngi c bo him c vi phm: pht lut, ni quy, quy nh ca c quan du lch, chnh quyn a phng ni du lch. 2. Hnh ng c ca Ngi c bo him hoc ngi tha k hp php (l ngi c ch nh nhn tin bo him theo giy chng nhn bo him hoc di chc hay theo php lut). 3. Ngi c bo him b nh hng ca ru, bia, ma tu v cc cht knh thch tng t khc. 4. iu tr hoc ngi s dng thuc khng theo ch dn ca y, bc s iu tr. 5. Chin tranh.

Quyn li ca ngi c bo him:

1. Trng hp Ngi c bo him b cht do tai nn thuc phm vi trch nhim bo him, PJICO tr ton b s tin bo him ghi trong hp ng bo him hoc giy chng nhn bo him. 2. Trng hp Ngi c bo him b thng do tai nn thuc phm vi trch nhim bo him, PJICO tr tin bo him theo quy nh ti Bng t l tr tin bo him. 3. Trng hp Ngi c bo him b cht do m au, bnh tt thuc phm vi trch nhim bo him, PJICO s tr 50% s tin bo him ghi trong hp ng bo him hoc giy chng nhn bo him. 4. Trng hp Ngi c bo him tham gia cc loi hnh bo him theo quy nh ca PJICO s c hng quyn li bo him tng loi ngi tham gia. 5. Trng hp trong vng 01 nm k t ngy xy ra tai nn thuc phm vi bo him, Ngi c bo him b cht hoc vt thng trm trng hn do hu qu ca tai nn , PJICO s tr phn chnh lch cn li gia s tin bo him phi tr cho trng hp ny vi s tin tr trc . 6. Trng hp hu qu tai nn thuc phm vi trch nhim bo him trm trng hn do bnh tt hoc s tn tt c sn ca Ngi c bo him hoc iu tr vt thng khng kp thi v khng theo s ch dn ca c quan y t, th PJICO ch tr tin bo him nh i vi loi vt thng tng t ngi c sc kho bnh thng c iu tr mt cch hp l.

H s yu cu tr tin bo him:

Khi yu cu PJICO tr tin bo him, Ngi c bo him hoc ngi tha k hp php phi gi cho PJICO cc giy t sau y trong vng 30 ngy k t ngy Ngi c bo him iu tr khi hoc cht: 1. n ngh tr tin bo him. 2. Giy chng nhn bo him hoc bn sao (trch) danh sch ngi tham gia bo him. 3. Bin bn tai nn c xc nhn ca c quan, chnh quyn a phng hoc cng an ni ngi bo him b tai nn (trng hp b tai nn). 4. Cc chng t y t: Giy ra vin, Phiu iu tr (trng hp iu tr ni tr), phiu m (trng hp phu thut) ... 5. Giy chng t v giy xc nh quyn tha k hp php (trng hp Ngi c bo him b cht).