BO HIM TAI NN CON NGI ******************

I. Phm vi a l: Trong phm vi lnh th Vit Nam II. i tng bo him: Cng dn Vit Nam t 16 n 70 tui v ngi nc ngoi ang hc tp cng tc ti Vit Nam (Sau y c gi l Ngi c bo him) theo cc iu khon quy nh trong quy tc ny; loi tr cc i tng sau y: Nhng ngi ang b bnh thn kinh. Nhng ngi ang b tn ph hoc thng tt vnh vin t 50% tr ln. III. Phm vi bo him: Tai nn thuc phm vi bo him l nhng tai nn xy ra 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 trc tip lm cho Ngi c bo him b cht hoc b thng tt thn th. Ngi c bo him c hnh ng cu ngi, cu ti sn ca Nh nc, ca nhn dn v tham gia chng hnh ng phm php. Trng hp Ngi c bo him tham gia cc cuc thi u c tnh cht chuyn nghip nh: ua xe, ua nga, bng , m bc, leo ni, lt vn, ua thuyn... kho st, thm him; khi xy ra tai nn ch c bo him vi iu kin Ngi c bo him yu cu v tho thun ng thm ph bo him cho PJICO theo quy nh ti Biu ph v s tin bo him. IV. Cc im loi tr: 1. Ngi c bo him vi phm nghim trng php lut, ni quy, quy nh ca c quan, ca chnh quyn a phng, hoc ca cc t chc x hi khc, vi phm lut l an ton giao thng. 2. Hnh ng c t gy ra tai nn ca Ngi c bo him hoc ngi tha k hp php. 3. Ngi c bo him s dng v b nh hng ca ru, bia, ma tu v cc cht kch thch tng t khc. 4. Ngi c bo him tham gia nh nhau tr khi c xc nhn l hnh ng t v. 5. Cm t ngt trng gi, bnh tt, sy thai, bnh ngh nghip, nhng tai bin trong qu trnh iu tr bnh v thai sn. 6. Ng c thc n, ung. 7. iu tr hoc s dng thuc khng theo ch dn ca c quan y t. 8. ng t, ni la, nhim phng x. 9. Cc hot ng hng khng (Tr khi c t cch l hnh khch), cc cuc din tp, hun luyn qun s, tham gia chin u ca cc lc lng v trang. 10. Chin tranh, ni chin, nh cng. V. Quyn li ca ngi c bo him: 1. Trng hp Ngi c bo him b cht do tai nn thuc phm vi bo him, PJICO s tr ton b s tin bo him ghi trong hp ng hoc giy chng nhn bo him. 2. Trng hp Ngi c bo him b thng tt do tai nn thuc phm vi bo him, PJICO tr tin bo him theo quy inh ti Bng t l tr tin bo him. 3. Trng hp Ngi c bo him b tai nn thuc phm vi bo him, trong vng 1 nm k t ngy xy ra tai nn Ngi c bo him b cht do hu qu ca tai

nn , PJICO s tr phn chnh lch gia s tin bo him ghi trong hp ng (hay giy chng nhn bo him) vi s tin tr trc . 4. Trng hp hu qu ca tai nn thuc phm vi trch nhim bo him b 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 ch dn ca c quan y t, PJICO s 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. VI. 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).