cng mn Bo him

Chng 1 :
1. Nu cc phng php qun l ri ro? Nu 1 ti sn c bo
him th ch s hu hay l ngi qun l s dng TS c cn p
dng cc phng php qun l ri ro na khng? Ti sao?
2. Nu cch phn loi Bo Him thao lut kinh doanh Bo him, loi
no? Cc nghip v Bo him nhn th theo lut kinh doanh bo
him hin nay?
3. Theo i tng Bo him th Bo him bao gm c my loi?
4. Nu cc vai tr ca Bo him trong ngnh Kinh t?
5. Phn bit Bo him kinh doanh v bo him x hi? Ti sao cc
nc BHXH hon thin th BH thng mi vn tn ti v pht trin?
Chng 2 :
1. Nu khi nim v cc iu kin tr thnh cc ben ca Hp ng
Bo him
2. Nu cc c trng , php l ca HBH
3. Phn tch iu kin ri ro tr thnh ri ro c th bo him?
4. Nu ni dung , iu khon xc nh gii hn trch nhim ca BH
trong vic bi thng hoc tr tin Bo him
5. Nu ni dung , trng hp p dng , mc ch ca iu khon bi
thng v tr tin bo him theo t l ?
6. Nu ngha v ca bn mua bo him trong qu trnh thc hin hp
ng BH?
7. Nu ngha v c Doanh nghip BH trong qu trnh thc hin HBH?
8. Nu c trng ca BH Ti sn , c trng hp no khng p dng
nguyn tc th quyn khng?
9. Nu c trng ca BH Trch nhim Dn s?
10.
Nu c trng ca BH con ngi?
Bi Tp : Bi s 2,3 trong sch BT
Cc bi tp c cho , lin quan xe A, xe B
Bi tp thm :
1 > Hp ng bo him trch nhim dn s c gii hn trch nhim i
vi thit hi v Ti sn l 200.000 USD/1 s c, mc khu tr l 1% Trch
nhim bi thng, khng thp hn 2000 USD/1 s c. Trong thi gian Bo
him pht sinh mt s c thuc phm vi BH :
-

Ngi th 3 th 1 : TS: 100.000USD

Ngi th 3 th 2 : TS : 105.000 USD

Yu cu : Xc nh STBT ca Bo him
Nu trch nhim bi thng ca ngi c bo him i vi ngi th
3 th 1 l 110.000 USD th hy xc nh STBT m ngi c bo him
phi t gnh chu.
2> Tai nn lm pht sinh trch nhim bi thng c ch xe X i vi
thit hi sc khe v v xe ca mt ngi i xe my, li ca ch xe X l
80%, thit hi vt cht ca xe my l 30tr. Theo phn quyt c ta n
, ch xe X phi bi thng thit hi v sc khe ca ngi i xe my l
35tr.
Bit rng : Ch xe X tham gia bo him bt buc trch nhim dn s
theo mc ti thiu ti quy nh 151/2012, theo bng quy nh bi
thng thit hi v ngi , ban hanh km thng t 151/2012 , thng
tt ca ngi i xe my tng ng vi mc bi thng l 30tr.
Ch xe my ang c bo him bng 2 HBH:
-

Hp ng 1 : thit hi vt cht xe c gii , STBT=80% gi tr xe

Hp ng 2 : Bo him tai nn con ngi theo 2 ch ngi trn xe c
gii vi STBH l 20tr/1 ch ngi

T l tr tin bo him tng ng vi thng tt ca ngi i xe my l

40%. S c trn thuc phm vi ca tt c hp ng bo him
Yu cu : tnh Tng STBT , S tin tr bo him m ch xe my nhn
c v Tng s tin m ngi Bo him ca xe X phi bi thng.

Good day, good luck :v