BO HIM NGI NC NGOI DU LCH TI VIT NAM ******************

Phm vi a l: Trong phm vi lnh th Vit Nam i tng bo him:ngi nc ngoi du lch ti Vit Nam k c ngi Vit Nam nh c nc ngoi bao gm: Nhng ngi vo Vit Nam tham quan, thm ving bn b, b con, d hi ngh, hi tho quc t, i hi, thi u th thao, biu din ngh thut, cng tc. Nhng ngi ang c tr ti Vit Nam nh chuyn gia, cng nhn, hc sinh, nhng ngi lm vic trong cc on ngoi giao, cc t chc quc t khi i du lch trong 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 cc mn th thao c tnh cht chuyn nghip nh: 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 ti Biu ph v S tin bo him. 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 i vi: 1. Ri ro xy ra do nhng nguyn nhn trc tip sau y: Ngi c bo him c vi phm: php lut, ni quy, quy nh ca c quan du lch, chnh quyn a phng ni du lch. 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). Ngi c bo him b nh hng ca ru, bia, ma tu v cc cht knh thch tng t khc. Chin tranh. 2. Nhng chi ph pht sinh theo iu 1.2 di y trong trng hp: o Ngi c bo him pht bnh tm thn, mang thai (tr trng hp sy thai do hu qu ca tai nn), sinh . o Ngi c bo him tip tc iu tr vt thng hoc bnh tt pht sinh t trc khi bo him c hiu lc. o iu tr hoc s dng thuc khng theo ch dn ca Y, Bc s iu tr. 3. Nhng thit hi v hnh l theo iu 2 di y: Mt vng, bc, qu, kim loi qu, tin mt, sc du lch, cc chng t c gi tr nh tin, h chiu, bng li xe, v cc loi, ti liu, chng t, bn v, bn thit k. vt b x xt, t m khng lm mt i chc nng ca n. C quan Nh nc c thm quyn trng thu, cm gi hoc tch thu.

Quyn li ca ngi c bo him: iu 1. 1. Trng hp Ngi c bo him b cht hoc thng tt ton b vnh vin do tai nn thuc phm vi trch nhim bo him, PJICO s tr ton b s tin bo him ghi trn Giy chng nhn bo him. Thng tt ton b, vnh vin c hiu theo Quy tc ny bao gm cc trng hp: Mt mt chn v mt tay hoc mt c hai chn hoc c hai tay hoc m c hai mt. Mt chn tay c ngha l phu thut ct ri bn tay hoc bn chn v mt hn chc nng ca tay hoc chn. 2. PJICO tr tin bo him i vi nhng chi ph cn thit v hp l do hu qu ca tai nn m au thuc phm vi trch nhim bo him nhng khng vt qu s tin bo him ghi trn Giy chng nhn bo him, bao gm: Chi ph cp cu v chi ph y t trong thi gian iu tr Vit Nam. Tin phng v n ti bnh vin trong thi gian iu tr Vit Nam mi ngy bng 0,2% s tin bo him. Chi ph bi thng c bo him trong trng hp khng tip tc iu tr Vit Nam gm cc chi ph: o Tin thu xe cp cu a ra sn bay tr v nc. o Tin thu thm gh ph, dng c y t v thuc iu tr mang theo (trong trng hp cn thit). o Tin n, ti khch sn v i li cho mt ngi cn phi i km chm sc Ngi c bo him khi hi hng, theo yu cu ca gim c bnh vin ni Ngi c bo him ang iu tr do tnh trng thng tch hoc bnh tt qu him ngho ca Ngi c bo him. Trng hp Ngi c bo him cht do tai nn, PJICO ch tr chi ph chn ct, hoc ho tng t Vit Nam hoc chi ph vn chuyn thi hi v hnh l ca Ngi c bo him v nc. iu 2. 1. Trng hp trong vng 180 ngy k t ngy xy ra tai nn thuc phm vi trch nhim bo him, Ngi c bo him b cht hoc thng tt ton b vnh vin do hu qu trc tip ca tai nn , PJICO s tr phn chnh lch gia s tin bo him ghi trn giy chng nhn bo him vi s tin tr trc . 2. PJICO bi thng cho Ngi c bo him hnh l v vt dng ring b mt hoc thit hi thuc phm vi trch nhim bo him theo cc quy nh di y, nhng khng vt qu s tin bo him v hnh l ghi trn Giy chng nhn bo him. Nhng vt b mt, thit hi theo li khai ca Ngi c bo him s c PJICO xem xt, gii quyt theo gi tr thc t ca n t thi im mt, thit hi trn c s gi tr ca vt mi tng t nc bn hng ti thi im tr tin bi thng. Trng hp vt b hng nh, nu thay th ph tng ho sa cha c th dng c, PJICO thanh ton chi ph sa cha v thay th ph tng ti Vit Nam. Trng hp khng c iu kin sa cha hoc thay th Vit Nam, PJICO bi thng theo t l tn tht. Gii hn bi thng vi bt k mt khon no ghi trong danh mc hnh l v vt dng ring l 20% s tin bo him v hnh l ghi trn Giy chng nhn bo him. Mt cp hoc mt b ca vt c coi l mt khon mc. Trng hp hnh l hoc vt dng ring c bi thng do b mt, sau c tm thy th Ngi c bo him c quyn nhn li hnh l tm v hon li s tin PJICO bi thng. Nu Ngi c bo him khng nhn

li s ti sn ny trong vng 30 ngy, k t ngy nhn c thng bo ca PJICO, PJICO cso quyn x l s ti sn trn b p s tin bi thng. H s yu cu tr tin bo him: Khi yu cu tr tin bo him, Ngi c bo him hoc ngi i din ca Ngi c bo him hoc ngi c tha k hp php cn np cho PJICO cc chng t sau y trong vng 30 ngy k t ngy Ngi c bo him ri khi bnh vin Vit Nam hoc b cht (nhng khng qu 1 nm k t ngy xy ra ri ro c bo him) hay mt, thit hi v hnh l. 1. n yu cu tr tin bo him c ghi a ch chnh xc 2. Giy chng nhn bo him 3. Nhng giy t cn thit trong s cc giy t di y c lin quan n trng hp yu cu tr tin bo him: a) Trng hp thit hi v ngi, tai nn hoc m au. - Bin bn tai nn c ghi nhn trng hp cht hoc b thng tt. - Giy iu tr ca c quan y t. - Bin lai cc chi ph y t, hi hng v cc chi ph khc. - Giy chng t v xc nhn quyn tha k hp php (trng hp cht). b) Trng hp thit hi v hnh l v vt dng ring. - Bng chng chng minh hnh l, vt dng ring b mt, thit hi v mc tn tht. - Bin bn v vic mt ton b kin hnh l ca c quan vn chuyn v v hnh l. - Bn k chi tit gi tr ti sn b thit hi. - T khai hi quan khi nhp cnh Vit Nam, trong ghi r hnh l v ti sn mang theo vo Vit Nam (i vi trng hp Ngi c bo him phi lm th tc hi quan). - Ha n sa cha ti sn hay thay th ph tng. c) Cc giy t khc c lin quan m PJICO yu cu: Trng hp Ngi c bo him u quyn cho ngi khc nhn tin bo him, phi c giy u quyn hp php