TNG CNG TY C PHN

BO HIM BIDV

S: 2515/CV- HH
V/v: Ban hnh hng dn
nghip v bo him hng ha

Knh gi:

CNG HO X HI CH NGHA VIT NAM

c lp - T do - Hnh phc

H Ni, ngy 01 thng 11 nm 2010

Cc Cng ty Bo him BIDV

Nhm thng nht thc hin hat ng khai thc nghip v bo him Hng
ha trong ton Tng cng ty, Tng cng ty Bo him BIDV (BIC) ban hnh km
theo cng vn ny Hng dn nghip v bo him Hng ha p dng thng nht
trong ton h thng.
Hng dn nghip v bo him Hng ha c hiu lc k t ngy 01/01/2011
v thay th cho cc vn bn ban hnh trc y c cng ni dung.
Knh ngh cc n v ph bin ni dung ca hng dn ny ti cc cn b
ti n v.
Trong qu trnh thc hin, nu c vng mc, xin lin h vi Ban Hng hi
c hng dn gii quyt.

Ni nhn:

KT. TNG GIM C

PH TNG GIM C

- Nh trn;
- Ban Tng Gim c;
- Ban GBT, QLRR, QHKH, TBH;
- Lu: VT, Ban HH.

Trn Trung Tnh

MC LC
CHNG I: QUY NH CHUNG.............................................................................. 0
I. MC CH................................................................................................................................................2
II. PHM VI P DNG................................................................................................................................2
III. TI LIU THAM KHO.......................................................................................................................2
IV. GII THCH T NG...........................................................................................................................2

CHNG II: TNG QUAN V BO HIM HNG HA .................................... 4

I. KHI NIM V HNG HA...................................................................................................................4
II. HNG HO KHNG NHN BO HIM.............................................................................................4
III. PHN LOI HNG HA:.....................................................................................................................4
1. Cn c vo kch thc v trng lng ca hng ho..........................................................................4
2. Cn c vo cch thc xp hng v ng gi hng ho.........................................................................5
3. Cn c vo phng thc vn chuyn....................................................................................................5
4. Cn c vo c tnh ca hng...............................................................................................................6
III. CC NI DUNG C BN TRONG BO HIM HNG HA............................................................7
1. Ngi c bo him (The Insured):....................................................................................................7
2. i tng bo him (Subject-matter Insured):......................................................................................7
3. Cc chng t hng ho c lin quan:...................................................................................................7
4. Tuyn hnh trnh c bo him..........................................................................................................9
5. iu kin bo him (Conditions)...........................................................................................................9
6. C quan gim nh tn tht.................................................................................................................17
7. iu kin c s giao hng ca hp ng mua bn.............................................................................17
8. S tin bo him...................................................................................................................................18
9. Ph bo him v mc khu tr...........................................................................................................19
10. Tra cu thng tin tu chuyn ch.....................................................................................................20
11. Tch t ri ro......................................................................................................................................23

CHNG III: QUY NH V P DNG BIU MU ......................................... 24

I. NHM BIU MU IN SN....................................................................................................................24
1. Quy tc bo him hng ha.................................................................................................................24
2. n bo him hng ho......................................................................................................................25
II. NHM BIU MU KHNG IN SN...................................................................................................25
1. Giy yu cu bo him (GYCBH)........................................................................................................25
2. Bn cho ph........................................................................................................................................25
3. Sa i b sung...................................................................................................................................25
4. Hp ng/n bo him hng ho......................................................................................................26
5. n bo him tm thi (Cover Note)...................................................................................................27
6. T trnh cp thm quyn......................................................................................................................27

CHNG IV: QUY TRNH CHUNG TRONG BO HIM HNG HO ......... 28

I. TM KIM KHCH HNG V NGH BO HIM.......................................................................28
II. CP, THEO DI, QUN L H S KHAI THC BO HIM HNG HA..................................28
1. Cp n bo him...............................................................................................................................28
2. Hu b/chm dt hiu lc n/hp ng bo him hng ha............................................................28
3. H s khai thc....................................................................................................................................28
4. phng hn ch tn tht v h tr cng tc khiu ni bi thng..................................................29
5. Thu ph bo him v chm sc khch hng........................................................................................30

PH LC NH KM:
1.
2.
3.
4.
5.
6.

Hp ng bao hng XNK (ting Anh, ting Vit)

Hp ng bao hng vn chuyn ni a (ting Vit)
Bn cho ph (ting Anh, ting Vit)
Mu Sa i b sung (ting Anh, ting Vit)
Mu Giy yu cu bo him
Mu t trnh vt phn cp

CHNG I: QUY NH CHUNG

I. MC CH
Hng dn ny c xy dng nhm mc ch:
Thng nht cng tc khai thc v x l nghip v bo him hng ha trong h
thng;
Hng dn la chn, nh gi, nh ph v chp nhn ri ro i vi bo him
hng ha;
L chun mc cc n v kinh doanh thc hin cng tc nghip v ng
thi l c s Tng cng ty theo di, nh gi v qun l thc hin nghip v
bo him hng ha trong ton h thng.
II. PHM VI P DNG
Hng dn nghip v ny c p dng cho vic trin khai nghip v bo him
hng ha c tin hnh ti tt c cc n v ca Tng Cng ty Bo him BIDV.
III. TI LIU THAM KHO
Cc ti liu nn tham kho trong qu trnh trin khai bo him hng ha:
Lut kinh doanh bo him s 24/2000/QH10 ngy 09.12.2000;
B lut Hng hi Vit Nam s 40/2005-QH11 ngy 14.06.2005;
Quyt nh s 824/2002/Q-BGTVT ca B Giao thng Vn ti ngy
25.03.2002 nh ngha v hng siu trng, siu trng;
Lut hng hi Anh MIA 1906
Incorterms 2000
Cc ti liu, vn bn php lut khc c lin quan.
Cc trang web nh:
9 http://www.marine-insurance.com.au ;
9 http://www.vpa.org.vn;
9 http://vietnamcrew.com;
9 http://www.lloyds.com/ ;
9 http://www.equasis.org
IV. GII THCH T NG
n v: bao gm cc Phng/Ban/ Trung tm trong ton h thng BIC c chc
nng khai thc v qun l bo him hng ho ti Vit Nam.
Lnh o cc n v: l Ban Gim c Ban/ Trung tm ti Tr s chnh, Ban
Gim c Cng ty thnh vin, Trng/Ph Trng phng cc Phng tr s
2

chnh, Trng/Ph Trng phng cc nghip v, phng kinh doanh ti cng ty

thnh vin v nhng ngi c u quyn khc.
Cn b khai thc (CBKT): l cn b ca n v trc tip khai thc bo him.
i l: l t chc, c nhn k kt hp ng i l vi BIC v c u quyn
cp n bo him theo quy nh trong hp ng i l.
Mi gii: l doanh nghip thc hin hot ng mi gii bo him theo quy nh
ca Lut kinh doanh bo him v cc quy nh khc ca php lut c lin quan

CHNG II: TNG QUAN V BO HIM HNG HA

I. KHI NIM V HNG HA
Trong nghip v bo him hng ha, hng ha c tham gia bo him phi l
hng ha hu hnh, xc nh c bng tin khi tn tht xy ra v c lin quan n
mt hnh trnh vn chuyn t mt a im ny n mt a im khc (bao gm hng
ha xut nhp khu, hng ha vn chuyn trong lnh th Vit Nam).
II. HNG HO KHNG NHN BO HIM
Hng ho khng nhn bo him bao gm:
Gia sc, gia cm sng, c sng
Hng ha trong qu trnh vn chuyn t kho cha ti dy chuyn sn xut
Hng ha trn tu lai ko
Tin giy, sc, bo lnh ngn hng, th tn dng, th thanh ton
Tri phiu, c phiu, th tr trc, coupons v cc chng t c gi khc
Vng, bc, bch kim, trang sc, qu, ngc...
c, tranh qu, tc phm iu khc
Hng ha mang phng x ht nhn
Pho, thuc n, ngi n, v kh
Cht aming
Cc hng ha khng c php lu hnh v nhp khu vo Vit Nam.
Hng ph liu (loi tr thp ph liu)
Hng vn chuyn theo phng thc x lan tu ko
III. PHN LOI HNG HA:
Hng ho c th c phn loi theo nhiu tiu ch khc nhau. Di gc
khai thc v qun l ri ro bo him, hng ho nhn bo him c th c phn loi
theo cc tiu ch nh sau:
1. Cn c vo kch thc v trng lng ca hng ho
1.1 Hng ho thng thng
Hng ho thng thng c nh ngha l cc mt hng khng c m t
nh trong mc 1.2 di y.
1.2 Hng siu trng, siu trng
Hng siu trng, siu trng thng l hng ho my mc thit b, dy chuyn
lp rp cho mt d n nht nh. Theo quy nh ca php lut Vit Nam, hng siu
trng, siu trng c cc c im sau:
4

 Hng siu trng: l hng c kch thc thc t mi kin hng khng tho ri
ra c khi xp ln phng tin ng b c: chiu rng trn 2,5 mt hoc
chiu cao trn 4,2 mt tnh t mt t hoc chiu di trn 20 mt.
Hng siu trng: L hng c trng lng thc t mi kin hng khng tho ri
ra c trn 30 tn.
C th d dng nhn ra hng siu trng, siu trng tim n ri ro cao hn rt
nhiu so vi hng ho thng thng khc, c bit l ri ro ri v, va p trong qu
trnh xp d.
2. Cn c vo cch thc xp hng v ng gi hng ho.
2.1 Hng ng container
Hng ng container c an ton cao hn rt nhiu so vi hng ho c xp
trong hm hng hay ch trn boong tu. Hng c ng vo container c th c
ng gi di dng bao, kin, thnghoc thm ch ri.
Hng ng container gm hai dng:
Hng nguyn container: mt loi hng ho c xp trong mt container ch
khng ng chung vi hng ho khc.
Hng ghp container: nhiu loi hng ho ca nhiu ch hng khc nhau c
xp chung trong mt container.
Ngi giao nhn s gom hng t cc ch hng c lng hng t v thc hin
ng hng vo container. Sau khi hng n cng ch, cc i l giao nhn s nhn
hng v sau phn phi hng ho n tng ch hng c th. Hng ghp container
thng c nguy c mt cp, mt trm, ri v va p, nhim bn cao hn so vi hng
nguyn container.
2.2 Hng khng ng container
Hng khng ng container l hng c ch trong hm tu hoc trn boong
tu do tp qun chuyn ch hng ho quy nh.
Hng ho khng ng trong container bao gm: hng ch ri, hng ng bao,
hng ng b, hng ng gi loi khc..Xp hng theo cch thc ny tim n rt
nhiu nguy c nh ri ro mt cp, mt trm, va p vi hng ho khc, ri v va p
trong qu trnh bc xp, nhim bn, nhim mi, cc ri ro t Cc n v cn c
bit lu khi nh gi ri ro i vi loi hng ny nht l khi hng ho c qu trnh
chuyn ti.
3. Cn c vo phng thc vn chuyn
3.1 Hng vn chuyn n phng thc
Hng vn chuyn n phng thc l hng ho c chuyn ch bng mt
phng thc vn chuyn chnh nh bng ng bin, ng hng khng, ng b.
5

Thng thng, hng chuyn ch bng ng hng khng s an ton hn so vi

hng chuyn ch bng cc phng thc khc, tuy nhin chi ph cao v khng ph hp
vi hng ha c s lng/trng lng ln.
Bng so snh mc ri ro ca mt s phng tin vn chuyn:
Phng tin vn chuyn

Mc ri ro

Tu ko, s lan, tu c

Rt cao

Tu thy vin dng

Cao

Cc loi tu pha sng bin, tu sng

Trung bnh

Tu ha, t

Thp

My bay

Rt thp

3.2 Hng vn chuyn a phng thc

Hng vn chuyn a phng thc l hng ho c chuyn ch kt hp nhiu
phng thc khc nhau. V d hng c chuyn ch bng ng hng khng sau
c chuyn tip v vn chuyn bng ng bin.
Khi hng ho vn chuyn a phng thc, CBKT cn c bit lu n cc ri
ro trong qu trnh chuyn ti hng ho.
4. Cn c vo c tnh ca hng
Cn c vo c tnh hng ho, chng ta c th phn loi thnh: hng d v,
hng d bay hi, hng d b mt mi, hng d b hao ht trng lng t nhin, d
chy.Cn cn c vo cc c tnh ny d on cc tn tht d xy ra xut pht t
bn cht ca hng ho t p dng cc iu kin cam kt hoc mc khu tr ph
hp.
Kh nng xy ra tn tht ca mt s loi hng ha:

Hng nng sn (bt m, go, hoa qu, c ph, da, u tng, lc, ht tiu,
thuc l...) d b mi mt, m hi, thi, m mc, gim trng lng...

My mc, thit b in t, hng in t d b x lch v c v in trong

qu trnh vn chuyn.

Cc sn phm kim loi, thit b lp rp d b xi ha, r st, mt mu.

gm, s d b rn nt, st m, xc...

Hng ha cht d b r r, gim trng lng, nhim.

Hng st, thp (phi thp, thp tm, thp l...) d b mt trm/cp, khng
giao hng; xi ha, r st...

III. CC NI DUNG C BN TRONG BO HIM HNG HA.

1. Ngi c bo him (The Insured):
Ngi c bo him l ngi c quyn li lin quan n chuyn hng c
vn chuyn. Ngi ny thu c li nhun khi hng ho n ch an ton v b thit
hi khi c tn tht xy ra. Ngi c bo him c th l ch hng, ngi mua hng
hoc ngi bn hng.
Theo tp qun ti Vit Nam, i vi hng ho vn chuyn ni a, ngi c
bo him c th l ngi vn chuyn. Tuy nhin cn c bit lu trng hp ny v
Cng ty bo him c th mt quyn thu i t bn th ba.
Trn n bo him hng ho, CBKT cn ghi chnh xc, y Tn Ngi c
bo him, a ch. Trng hp n hng xut c th ghi theo lnh ca ngn hng c
th. V d: to order of ..bank.
2. i tng bo him (Subject-matter Insured):
i tng bo him chnh l hng ha vn chuyn. CBKT cn phi nm v ghi
r tn hng, s lng/trng lng, k m hiu (nu c), hng mi hay c
S hp ng mua bn/s LC / s invoice cho bit c s xc nh hng ho b
tn tht c phi l hng ho c bo him hay khng chnh v vy cc thng tin ny
rt quan trng khi x l khiu ni bi thng. CBKT cn th hin r cc thng tin ny
trn n bo him v hoc cc sa i b sung.
3. Cc chng t hng ho c lin quan:
Chng t hng ho l cc chng t th hin r cc thng tin v hng ho vn
chuyn. Thng qua cc chng t ny, CBKT c th kim tra c cc yu c nu
trong Giy yu cu bo him hng ho ca khch hng c ng v ph hp hay khng.
CBKT phi bit cch c b chng t hng ho tm kim cc thng tin nh gi ri
ro. Chng t hng ho bao gm:

Ho n thng mi (Invoice): chng t th hin gi tr ca hng ho. CBKT

cn tm him gi tr theo ho n c tnh theo iu kin c s giao hng no
ca Incoterms.
Phiu ng gi (Packing List): chng t th hin r cch thc ng gi tng
n v hng ho.
Vn n (B/L hoc AWB): l bng chng chng minh cho mt hp ng vn
ti. Cn kim tra cc ni dung sau trn vn n:
9 Tnh trng ca hng ho: s lng, trng lng, ng gi, cc ghi
ch c trn vn n.
9 Hng trnh chuuyn ch: cng i, cng n, cng chuyn ti (nu c)
9 Tn tu, hng chuyn ch
9 Ngi k pht vn n.
7

9 S vn n

Hp ng mua bn (Sale Contract): Hp ng mua bn gm rt nhiu cc iu

khon khc nhau quy nh trch nhim ca ngi mua v ngi bn. CBKT t
nht cn kim tra cc ni dung sau:
9 S hp ng v ngy k kt
9 iu khon hng ho: tn hng, loi hng, c tnh hng ho, xut x
hng ho.
9 iu khon v cht lng: hng c hay mi, tiu chun cht lng
ca hng ho
9 iu khon s lng: s lng/trng lng hng ho, dung sai (nu
c)
9 iu khon v bao b, ng gi: ng gi nh th no.
9 iu khon gi c hng ho: hng ho mua theo iu kin no (FOB,
CFR, EXW), tng gi tr ca hng ho.
9 iu khon thanh ton: l hng thanh ton bng phng thc g.
Trong trng hp thanh ton bng LC, phn chng t xut trnh theo
LC c yu cu c bit i vi bo him hng ho khng?
9 iu khon giao hng:

Thi gian giao hng

Tuyn hnh trnh chuyn ch, chuyn ti hng ho
Hng ho c giao thnh my ln? thi gian giao hng
ca tng ln?
Phng thc chuyn ch: ng bin/ng b.
Phng thc xp hng: hng ri, container hay ng
b.
Th tn dng (L/C): Th tn dng l cam kt ca mt ngn hng thanh ton cho
i tng c ch nh c th ca khch hng sau khi xut trnh cc giy t ph
hp vi yu cu quy nh trong th tn dng. n bo him phi tun th cht
ch cc yu cu ca L/C th khch hng mi c thanh ton tin hng. Nu
khng i chiu k n bo him vi L/C trc khi cp, CBKT s gp phi tnh
hung cp i cp li n, rt mt thi gian v to hnh nh khng tt trc khch
hng.
Khi kim tra th tn dng, cn b khai thc cn lu kim tra cc ni dung sau:
9 S th tn dng v ngy pht hnh
9 Ngi hng li th tn dng
9 Cc ni dung tng t lin quan n vic mua bn hng ho nh
quy nh trong hp ng mua bn.
8

9 Chng t xut trnh theo LC: thng thng phn ny s nu rt r

yu cu i vi n bo him v n bo him pht hnh ra s phi
tun th cht ch.
9 Ngy cp n bo him khng chm hn ngy ca vn n.
4. Tuyn hnh trnh c bo him
Tuyn hnh trnh c bo him (ni bc v d hng) thng lin quan n
mt s vn nh:
9 S yu km ca c s h tng ti cng
9 Yu t chnh tr
9 Trm cp
9 iu kin t nhin, a l...
Vi cc chuyn hng i hoc n t mt s nc Chu Phi, Trung ng, ng
Nam (Indonesia, Philipines) cn phi xem xt k trc khi cp n bo him.
Tuyn hnh trnh c bo him phi c th hin r rng, chnh xc v chi tit trn
Giy yu cu bo him v n bo him lm cn c xc nh trch nhim ca cc
bn khi c tn tht xy ra.
CBKT khng ghi tuyn hnh trnh mt cch chung chung nh theo kiu t
Vit Nam n Singapore. a im bt u v kt thc hnh trnh c bo him phi
c ghi c th, chi tit v r rng. V d: t cng Hi Phng, Vit Nam n Cng
Shanghai, Trung quc.
Chuyn ti: Vic cho php chuyn ti hng ha hay khng cng phi c th
hin r trn n bo him. Thng thng vic chuyn ti l cho php i vi hng
container. i vi hng khng ng trong container, CBKT cn tm hiu k yu cu
ca khch hng p dng iu kin bo him v tnh ph cho ph hp. Cn c bit
lu trng hp cho php chuyn ti i vi hng khng ng container khi cung
cp bo him theo iu kin A hoc n bo him c bo him cho ri ro thiu ht, ri
ro trong qu trnh bc xp.
Khi m rng bo him chin tranh v nh cng, CBKT cng phi c bit
lu n tnh hnh an ninh chnh tr ti cng/a im ti nc ngoi t tnh ph
ph cho ph hp. Ph ph chin tranh, nh cng c thay i thng xuyn ty theo
din bin an ninh, chnh tr trn th gii. CBKT nn tham kho kin t phng nghip
v khi m rng hai ri ro ny.
5. iu kin bo him (Conditions)
5.1 iu kin bo him gc
Tu thuc vo tng loi hng, tng phng thc vn chuyn m CBKT la
chn p dng b iu khon gc cho ph hp.
9

CBKT cn xc inh r cc tiu ch sau la chn iu kin bo him gc:

Hng ho vn chuyn ni a hay hng XNK. Nu l hng XNK th hng l
hng thng thng hay hng ho c th (than, du ch ri, ng lnh, tht
ng lnh)
Hng ho vn chuyn bng ng hng khng hay ng bin
Sau i chiu vi cc mc sau y la chn iu kin gc:
a. Hng ha XNK thng thng chuyn ch bng ng bin:
Quy tc p dng bao gm:
9 iu kin A, B, C nm 1982 ca Anh.
Institute Cargo Clauses (A) CL252- 1.1.1982
Institute Cargo Clauses (B) CL253- 1.1.1982
Institute Cargo Clauses (C) CL254- 1.1.1982
9 Cc iu kin A, B, C theo Quy tc chung bo him hng ha vn
chuyn ng bin ban hnh theo Quyt nh s 2514/Q-HH ban
hnh ngy 01/11/2010.
Lu :
9 i vi hng xut: p dng cc iu khon bo him theo ICC 1982
9 i vi hng nhp:
Nhp nguyn chuyn, gi tr ln: nn p dng iu khon
bo him theo ICC 1982
Nhp hng khc: nn p dng theo Quy tc chung ca BIC.
Khi p dng Quy tc chung, CBKT cn ghi r l p dng
theo iu kin A hay B hay C v Quy tc chung bao gm
c ba iu kin ny.
9

Trng hp khch hng yu cu bo him theo

iu kin A/B/ C ICC 2009, CBKT trnh duyt Ban Hng hi.

Ri ro c theo cc iu kin A-B-C

RI RO C BO HIM

ICC (A)

ICC (B)

ICC (C)

Chy hoc n

Tu, x lan b mc cn, m, lt p

Phng tin vn ti b lt , trt bnh

m va

D hng ti cng lnh nn

Hy sinh tn tht chung

V
10

Nm hng xung bin

ng t, ni la phun, st nh

Nc cun khi tu

Nc bin, sng, h trn vo tu, hm tm, container

hoc ni cha hng

Tn tht ton b kin hng b ri khi tu hoc trong

khi ang xp/d hng

Cp bin, trm cp v khng giao hng

Mt tch hng

Cc ri ro khc

V: c bo him; X: khng c bo him

Chi ph c bo him:
Chi ph hp l nhm phng trnh hoc gim thiu tn tht cho hng ho;
Chi ph hp l cho vic d hng, lu kho v gi tip hng ti mt ni dc
ng i do hu qu ca ri c bo him
Chi ph hp l cho vic gim nh v xc nh s tn tht thuc trch nhim
bo him
Chi ph tn tht chung
Chi ph cu h.
Loi tr chung cho c ba iu kin A B-C:

Li c ca Ngi c bo him

Thit hi do chm tr d chm tr l do mt ri ro c bo him gy ra

n t/ni t hay khim khuyt vn c ca hng ho

Bao b ng gi khng ph hp

R r hao ht thng thng

Tn tht pht sinh do Ngi chuyn ch c ti chnh km

Phng tin/cng c vn ti khng thch hp

Tn tht do phng x, ht nhn

Tu, s lan khng kh nng i bin

b. Hng ha XNK c th chuyn ch bng ng bin:

p dng iu khon bo him ring ca ICC i vi hng ha . C th:
Hng xng du ch ri:

Institute Bulk Oil Clauses CL 273 - 01.02.1983

(Bo him hng du ch ri (CL273 -01.02.1983)
11

 Hng thc phm ng lnh: hng thc phm ng lnh y c hiu l cc

mt hng thc phm d hng, cn phi bo qun nhit mt. Cc sn phm ny
thng rt d b nh hng n cht lng khi my lnh c vn .

Institute Frozen Food Clauses (A ) Excluding frozen Meat (CL2631.1.1986) (Bo him hng thc phm ng lnh (A), loi tr tht ng lnh
(CL263-1.1.1986)

Institute Frozen Food Clauses (C ) Excluding frozen Meat (CL2641.1.1986) (Bo him hng thc phm ng lnh (C), loi tr tht ng lnh
(CL264-1.1.1986)

Hng tht ng lnh (khng ph hp p dng cho tht mt, tht ti): hng
tht ng lnh y c hiu l cc mt hng tht, hi sn cn phi c bo
qun nhit rt thp. Khi my lnh hng, cc mt hng ny c mt thi gian r
ng nht nh.

Institute Frozen Meat Clauses (A) CL323-01.01.1986.

(Bo him hng tht ng lnh (A) CL323-01.01.1986

Institute Frozen Meat Clauses (A) 24 hours Breakdown (CL32401.01.1986) (Bo him hng tht ng lnh (A) ngng my lnh 24 gi
(CL324-01.01.1986))

Institute Frozen Meat Clauses (C) 24 hours Breakdown (CL32501.01.1986) (Bo him hng tht ng lnh (C) ngng my lnh 24 gi
(CL325-01.01.1986))

Lu quan trng: Cc iu khon bo him chuyn dng cho mt hng tht ng

lnh bao gm iu khon chnh nh nu trn, iu khon bo him nh cng c
a ra ba thi im bt u thi hn bo him. CBKT cn la chn thi im bt u
thi hn bo him m khch hng yu cu ng thi xo cc thi im cn li i
tranh tranh chp.
Hng than ch ri:

Institute Coal Clauses (CL267-1.10.1982)

Bo him than CL267-1.10.1982)

c. Hng ha XNK chuyn ch bng ng hng khng:

Institute Cargo Clauses ( Air), excluding sendings by Post CL 25901.01.1982 (Bo him hng ha chuyn ch bng ng hng khng -tr
hng ha gi bng ng bu in (CL259-01.01.1982)

Lu : iu kin bo him hng ho vn chuyn bng ng hng khng c

phm vi bo him gn nh tng ng vi iu kin A p dng cho hng ho vn
chuyn ng bin. Khi cp n bo him cho hng ho vn chuyn bng ng hng
12

khng, CBKT lun phi t vn r cho khch hng v vic vn n hng khng phi
th hin r gi tr ca hng ho. Trnh trng hp vn n khng quy nh r, khi tn
tht pht sinh ngi vn chuyn hng khng ch bi thng theo cc hn mc gi tr
tnh theo kg, theo kin vi gi tr thp hn rt nhiu so vi gi tr thc ca hng ho.
d. Hng ha vn chuyn ni a:
Quy tc p dng bao gm:
Quy tc bo him hng ha vn chuyn trong lnh th Vit Nam ban hnh theo
Quyt nh s 2513/Q-HH ban hnh ngy 01/11/2010. Quy tc ny p dng cho
tt c cc mt hng c vn chuyn bng ng b, ng st, ng thy trong
lnh th Vit Nam hoc hnh trnh c m rng t cc nc ln cn nh Lo,
Campuchia v Trung Quc (cng Phng Thnh, K X, Bc Hi, cc cng thuc
o Hi Nam).
Quy tc chung bo him hng ha vn chuyn ng bin ban hnh theo Quyt
nh s Quyt nh s 2514/Q-HH ban hnh ngy 01/11/2010. Quy tc ny
khng p dng cho cc phng tin vn chuyn bng ng hng khng.
Bo him hng ha chuyn ch bng ng hng khng - tr hng ha gi bng
ng bu in (CL259-01.01.1982) p dng cho trng hp hng ha vn
chuyn bng ng hng khng trong lnh th Vit Nam.
Quy tc bo him hng ha vn chuyn trong lnh th Vit Nam c p
dng ph bin hn c v c phm vi bo him gn nh tng ng vi iu kin C
ca QTC.
Lu : ch nn cp theo iu kin A ca QTC cho cc mt hng ng container.
Ri ro c bo him: cc tn tht trc tip bi

Chy hoc n

ng t, bo lt, gi lc, sng thn v st nh

Phng tin vn chuyn b m, b lt , b ri, mc cn, m va nhau

hoc m va vo vt th khc hay b trt bnh

Cy gy , cu cng, ng hm v cc cng trnh kin trc khc b sp

Phng tin ch hng mt tch

Hy sinh tn tht chung.

Chi ph c bo him:
Chi ph hp l nhm phng trnh hoc gim thiu tn tht cho hng ho;
Chi ph hp l cho vic d hng, lu kho v gi tip hng ti mt ni dc
ng i do hu qu ca ri c bo him
Chi ph hp l cho vic gim nh v xc nh s tn tht thuc trch nhim
bo him
Chi ph tn tht chung
13

 Chi ph cu h.
Loi tr bo him:
Chin tranh, nh cng;
Phng x v phn ng ht nhn;
Hnh ng xu, c hay hnh vi phm php ca Ngi c bo him;
Khuyt tt vn c ca hng ho;
Ch hng qu ti, sai quy cch;
ng gi sai quy cch;
R chy, hao ht thng thng;
Phng tin vn chuyn khng kh nng lu hnh:
Nhng mt mt, h hng hay chi ph c nguyn nhn trc tip do chm tr.
5.2 iu kin bo him ph
Trn c s ca iu kin bo him gc, CBKT c th p dng cc iu khon
sa i b sung nhm lm hn ch hoc m rng thm phm vi bo him ca iu
kin bo him gc. V d:

iu kin C + Ri ro mt cp

iu kin A + Loi tr tn tht do nm mc

iu kin A + Bo him chin tranh

Quy tc Bo him hng ha vn chuyn trong lnh th Vit Nam + M

rng bo him ri ro t hng do nc ma v nc ngt

Ni dung ca iu kin bo him ph c th hin di hai dng:

Dng 1: th hin qua tn ri ro c bo him hoc b loi tr.
Dng 2: th hin di dng iu khon. V d: iu khon bo him
chin tranh, iu khon bo him nh cng, iu khon TPNDNi
dung ca cc iu khon ny c ban hnh theo b sn phm hng ho.
a. Cc ri ro ph thng s dng i vi n bo him hng ha XNK:
Bo him nh cng: ty thuc vo tng iu kin bo him gc m CBKT p
dng cc iu khon bo him nh cng ph hp.

Institute Strikes Clauses (Cargo) (CL256 - 01.01.82)

iu khon bo him nh cng (hng ho) (CL256 01.01.82)

Institute Strikes Clauses (Bulk Oil) (CL274- 01.02.83)

iu khon bo him nh cng (du ch ri) (CL274- 01.02.83)

Institute Strikes Clauses (Frozen Food) (CL265-01.01.86)

iu khon bo him nh cng (hng thc phm ng lnh) (CL26501.01.86)
14

Institute Strikes Clauses (Frozen Meat) (CL326-01.01.86)

iu khon bo him nh cng (tht ng lnh) (CL326-01.01.86)

Institute Strikes Clauses (Coal) (CL268 1.10.1982)

iu khon bo him nh cng (than) (CL268 1.10.1982)

Institute Strikes Clauses (Air Cargo) (CL260 - 01.01.82)

iu khon bo him nh cng (hng ho vn chuyn ng khng)

(CL260 01.01.82)

Bo him chin tranh

Institute War Clauses (Cargo) (CL255-01.01.1982)

iu khon bo him chin tranh (hng ho) (CL255-01.01.1982)
iu khon ny p dng chung cho tt c cc hng ha XNK vn chuyn
bng ng bin. iu khon ny ch c hiu lc khi hng ho cn ang
chuyn ch trn bin.

Institute War Clauses (Air cargo) (CL258-01.01.1982)

iu khon bo him chin tranh (hng ho vn chuyn ng khng)
(CL258-01.01.1982)
iu khon ny p dng cho hng ha vn chuyn bng ng hng khng.

Mt s cc ri ro ph khc:

Mt trm, cp hoc khng giao hng (TPND: Theft, Pilferage, and Non
delivery)

Tn tht do nhng hnh vi c hay ph hoi gy ra (Malicious act.)

Thit hi do nc ma gy ra (FRWD - Fresh rain water damage)

Vt/Nm hng khi boong tu (JWOB - Jettison Washing Over Board)

Va p vi cc hng ha khc (COC - Contact with Other Cargo)

V, cong, bp (Breakage, Bending, Denting)

H hi do mc cu hng (Hook damage)

Dy bn do du m (Oil contamination)

Tn hi do chut b (Loss/damage by mouse)

Tn hi do nm mc (Mouldy)

T bc chy (Spontaneous Combustion)

Nc cun khi tu (Washing Over Board)

R chy hoc giao thiu hng (Leakage, Shortage)

M rng bo him chng vn chuyn ni a (Inland transits)

15

b. Cc ri ro ph i vi n bo him hng ha vn chuyn ni a:

Hng ha b tn tht do nc ma v nc ngt

Va p vi cc hng ha khc

Ri v trong qu trnh xp d ti hai u

Thiu nguyn kin/nguyn cun/..

Giao thiu hng.

Trn c s iu kin p dng gc, CBKT c th m rng bo him mt s ri ro

ph nh cp trn i vi hng ho vn chuyn ni a nhng khng m rng
bo him ri ro chin tranh.
5.3 iu kin bo him cam kt.
iu kin cam kt c p dng nhm m bo Ngi c bo him tun th
ng cc cng vic nhm phng hn ch tn tht v kim sot ri ro. Cc ni dung
cam kt thng lin quan n kh nng i bin ca tu, cch thc cht xp hng ho,
bo him P&I v khai bo thng tin tu BIC kim tra.
Cc iu khon cam kt bao gm:

Cam kt tu chuyn ch tham gia bo him P&I y ti hi P&I quc t

hoc tng ng. (Warranted carrying conveyance must be fully covered
for P&I risks with an International (or equivelent) P&I club)

Cam kt hng ha c xp di hm hng tr khi tp qun quy nh khc

hoc chuyn ch bng container. (Warranted shipped under deck unless
otherwise specified or containerized shipment)

Cam kt tu chuyn ch khng qu 30 tui(Warranted the age of vessel is

not over 30 years old)

Cam kt khai bo thng tin tu trc khi vn chuyn cho BIC kim tra xc
nhn (Warranted declare information of vessel before sailing for BICs
confirmation)

iu khon phn loi tu (Institute Classification Clause CL. 354

01.01.2001)

iu khon an ton, an ninh i vi hng ha (Cargo ISPS Endorsement)

iu khon qun l an ton quc t i vi hng ha (Cargo ISM

Endorsement)

Cc iu kin trn lun lun c la chn p dng i vi cc l hng ch

nguyn chuyn c gi tr ln nhm m bo tu chuyn ch kh nng i bin, hng
ha c cht xp ng theo thng l v tp qun quc t v kh nng thanh ton ca
ch tu c m bo khi trch nhim php l ca ch tu pht sinh.
16

5.4 iu kin theo Hp ng Ti bo him c nh (Treaty)

Treaty quy nh mt s iu kin bo him ph phi p dng khi cp n bo
him. Cc iu kin ny thay i theo tng nm nhng thng thng bao gm cc
iu kin chnh sau:

iu khon loi tr ri ro v nhim, phng x, v kh ho hc, sinh ho,

v kh in t CL370-10.11.2003(Institute Radioactive Contamination,
Chemical, Biological, Bio-Chemical and Electromagnetic Weapons
Exclusion Clause 10.11.2003 CL 370)

iu khon loi tr tn cng in t (CL380-10.11.2003) (Institute Cyber

Attack Exclusion Clause 10.11.03 CL 380)

iu khon loi tr ri ro khng b ( Terrorism Exclusion Clause )

Cc iu khon theo Treaty ch yu quy nh thm cc trng hp b loi tr

m cha c th hin trong quy tc/iu kin bo him. Chnh v vy cc iu khon
ny thng bt buc p dng khi n bo him cp theo iu kin mi ri ro (A).
Ring iu khon loi tr ri ro khng b bt buc p dng khi bo him nh
cng.
Cc iu kin bo him theo Treaty v cch thc p dng cc iu khon ny
cho tng nm s c cp c thm quyn thng bo bng vn bn n cc n v.
6. C quan gim nh tn tht
i vi n hng xut khu: s dng i l gim nh ca Lloyd ti nc n.
Tn, a ch, s in thoi lin lc ca i l gim nh tham chiu a ch sau:
http://agents.lloydsagency.com/AgentDirectory.aspx
i vi n hng nhp khu: ghi tn, a ch lin h ca n v cp n bo
him
i vi n hng vn chuyn ni a: ghi tn, a ch lin h ca n v cp
n bo him
7. iu kin c s giao hng ca hp ng mua bn
Theo tp qun quc t, hai bn mua bn thng p dng theo cc iu kin c
s giao hng ca Incoterms 2000. C tt c 13 iu kin c s giao hng, tuy nhin ch
c mt s iu kin thng c s dng nhiu l EXW, FOB, CFR (C&F) v CIF
Vic xc nh c iu kin c s giao hng ca hp ng mua bn s gip
CBKT phn nh c mt s ngha v ca ngi mua v ngi bn, c th:

Ai l ngi c ngha v mua bo him cho hng ha?

Ai l ngi thu xp chuyn ch hng ha?

Thi im di chuyn ri ro t ngi bn cho ngi mua

Gi giao hng bao gm cc ph vn chuyn, ph bo him hay cha?

17

CBKT c th tham kho biu sau bit c cc ni dung trn:

Stt

Incoterms 2000

Trch nhim
mua Bo him

Trch nhim
thu xp Vn
chuyn

EXW (Giao hng ti xng ngi bn)

NK

NK

CIF (Tin hng, cc ph v ph bo him tr n cng ch)

XK

XK

CIP (Tin hng, ph bo him tr ti a im n quy nh.)

XK

XK

CFR (Tin hng v cc ph tr n cng ch)

NK

XK

CPT (Cc ph tr ti a im n quy nh)

NK

XK

FOB (giao hng qua lan can tu ti cng i)

NK

NK

FAS (giao dc mn tu cng i)

NK

NK

FCA (giao hng cho ngi chuyn ch )

NK

NK

DAF (giao hng ti bin gii)*

NK/XK

NK/XK

10

DES (giao hng trn tu ti cng n)

XK

XK

11

DEQ (giao hng ti cu cng n)

NK

NK

12

DDU (giao hng cha np thu nhp khu)

XK

XK

13

DDP (giao hng np thu nhp khu)

XK

XK

8. S tin bo him
S tin bo him l gi tr bi thng ti a khi xy ra tn tht thuc trch
nhim bo him. S tin bo him do khch hng khai bo v c BIC chp nhn.
8.1 i vi hng ha vn chuyn ni a
S tin bo him c cn c da trn ha n bn hng, phiu xut kho, lnh
giao hng hoc cc giy t c gi tr tng t. Thng thng khch hng mua bo
him theo ng gi tr ghi trn cc giy t ny. Nu khch hng c yu cu, s tin bo
him c th bao gm c cc ph vn chuyn, ph bo him ca l hng v li c
tnh. Li c tnh ca mi l hng s khng vt qu 10% gi tr bo him ca l hng
.
8.2 i vi hng ha xut nhp khu
Thng thng s tin bo him nhn bo him ti a khng vt qu 110% gi
tr hng ha tnh theo gi CIF/CIP.
Cch tnh gi CIF/CIP t gi C&F (CFR):
CIF/CIP = (C+F)/(1-R)
Trong
- C: l gi tr hng ha
18

- F: l cc ph vn chuyn
- R: l t l ph bo him (cha gm VAT)
Cch tnh 110% tr gi CIF trn c s gi C&F :
110% CIF = 1.1*(C + I + F) = 1.1*(C+F)/(1-R)
Trng hp c bit: khch hng c th yu cu mua bo him vi gi tr cao
hn 110% gi CIF nhng phn cao hn khch hng phi nu c nguyn nhn
lm gi tr tng thm. V d chi ph vn chuyn ni a, thu nhp khu...
Lu :
Quy i gi tr bo him
i vi cc l hng nhp theo gi FOB cha xc nh c cc ph vn
chuyn th c tnh nh sau:
- i vi lung Chu : cc ph vn chuyn chim khong 5% gi FOB
- i vi lung Chu u: cc ph vn chuyn chim khong 10% gi FOB
- Tt nht CBKT nn tha thun trc vi khch hng mc cc d tnh.
Dung sai ca S tin bo him
S tin bo him c th bin ng theo s lng hng ha thc giao. Mc bin
ng ny c quy nh r trong hp ng ngoi thng. CBKT cn xc nh r v
quy nh mc dung sai ca S tin bo him ph hp tng ng. Vic quy nh ny
c bit quan trng i vi cc dch v ln cn thu xp ti bo him tm thi. Chnh v
vy, CBKT cn thng bo cc thay i v STBH ca cc n c ti tm thi cc
Ban nghip v c bit v x l dch v.
9. Ph bo him v mc khu tr
9.1 Ph bo him
Ph bo him l khon tin khch hng phi tr cho cng ty bo him c
bo him theo cc iu kin, iu khon yu cu. Ph bo him c tnh ton theo
cng thc:
- Ph bo him = Ph chnh + Ph ph (nu c) + Ph tu gi (nu c)
- Ph chnh

= STBH x T l ph bo him gc

- Ph ph

= STBH x T l ph ph

- Ph ph tu gi = STBH x T l ph tu gi
Ph tu gi (O.A.P - Overage Additional Premium): thng c thu thm khi
hng ha c ch nguyn chuyn trn nhng chic tu ln hn 15 tui. Cc mt hng
hay ch nguyn chuyn bao gm : st thp, phn bn, nng sn, nguyn liu thc n
gia sc, go, ng, la m, than, du ch ri.

19

Ph ti thiu cho mi n bo him hng ha vn chuyn l 15USD hoc gi tr

quy i tng ng (cha bao gm VAT)
CBKT tham chiu Biu ph bo him hng ha hin hnh ca BIC hoc t l
ph c cp thm quyn ph duyt.
9.2 Biu ph bo him hng ho
Biu ph bo him hng ho c trnh by Tng cng ty ban hnh tng nm cho ph
hp vi bin ng thc t khai thc.
CBKT lu cc im sau khi tra cu biu ph:
Biu ph cha bao gm thu VAT
Hng XNK chuyn ch bng my bay, t l ph p dng tng t nh hng
ng container chuyn ch ng bin bo him theo iu kin A.
Trong trng hp, ngi vn chuyn c u quyn mua bo him cho hng
ha th t l ph tng thm 15% so vi ph chnh do BIC mt quyn i ngi
th ba.
9.3 Mc khu tr
Mc khu tr l gi tr tn tht m khch hng phi t chu khi c tn tht thuc
trch nhim bo him xy ra. Mc khu tr khng ch loi tr i cc khiu ni nh m
chi ph gii quyt bi thng ln hn s tin khiu ni m cn nng cao thc ca
ngi c bo him i vi hng ho ca mnh, khng y ton b trch nhim cho
cng ty bo him. Mc khu t t l nghch vi t l ph p dng.
Mc khu tr s ph thuc vo tng loi hng ha c th, phng thc ng
gi, phng thc vn chuyn v iu kin bo him p dng.
Mc khu tr lun lun c p dng i vi hng ch ri cp theo iu kin
bo him c phm vi rng hn iu kin C tr khi c bng chng cnh tranh v/hoc
c cp c thm quyn ph duyt.
Mc khu tr ti thiu cho cc trng hp phi p dng l: 0.1% STBH hoc
ti thiu l 100 USD, ty thuc vo gi tr no cao hn. i vi cc l hng c gi tr
nh, CBKT nn mc khu tr dng con s tuyt i, v d 200 USD/v tn tht.
i vi cc l hng c gi tr ln, CBKT nn mc khu tr dng % s tin bo
him, v d: 0.2% SI/ v tn tht.
i vi cc trng hp m rng bo him qua cn cu cng, mc khu tr ti
thiu thng p dng l 0.5% S tin bo him.
10. Tra cu thng tin tu chuyn ch.
Cc phng tin vn chuyn hng ha phi p ng y cc iu kin lu
hnh v khai thc chuyn ch hng ha theo quy nh ca php lut Vit Nam cng
nh thng l v tp qun trn th gii.
20

10.1 Cc trng hp cn phi kim tra tu :

9 Tu khi hnh trc khi nhn c Giy yu cu bo him
9 Cc l hng ch ri, ch nguyn chuyn hoc hng container vi khi lng
ln
9 Cc mt hng thng xy ra tn tht lin quan n trch nhim ngi th 3
nh: go, phn bn, ha cht, thc n gia sc, st thp, xi mng, nng sn
thc phm ng bao hoc ch ri
9 Hnh trnh ko di bt thng
10.2 Ni dung cn kim tra
Cc thng tin tu cn kim tra bao gm: loi tu v tn trng ti, tui tu
v xp hng tu, thng tin hi P&I.

Loi tu, tn trng ti ca tu

+ Loi tu: xem tu ch hng l tu ch hng tng hp, tu ch du hay tu

container t xem c ph hp chuyn ch loi hng nhn bo him hay
khng
+ Tn trng ti ca tu (DWT): th hin kh nng chuyn ch ca mt con tu.
9 Trng ti = Sc ch hng ca tu + Trng lng thuyn vin, hnh l, thc
phm, nc ngt, du m, nc dn tu
9 1 tn trng ti DWT = 2.240 pounds (n v khi lng Anh) = 1.016,05 kg
Tui tu v c quan phn cp tu
9 Tu mi hay c c nh hng rt ln n kh nng i bin ca tu. BIC ch
nhn bo him hng ho vn chuyn trn cc con tu khng qu 30 tui.
CBKT lu quy nh iu khon gii hn tui ca tu khi cp n bo
him c bit phi p dng i vi cc l hng khng ng container.
Tt c cc tu ch nguyn chuyn trn 30 tui phi xin kin ca Tng
Cng ty trc khi nhn bo him hng ha.
9 Ph tu gi c thu i vi cc tu ch hng nguyn chuyn c tui t 15
tui tr ln. T l ph tu gi p dng theo biu ph tu gi hin hnh ca
BIC
9

C quan phn cp tu bin c vai tr quan trng trong vic kim tra, gim
st cht lng con tu trong qu trnh vn hnh. Tu c phn cp bi cc
n v c uy tn s l c s quan trng xem xt kh nng i bin ca tu.
Cc c quan phn cp tu c uy tn trn th gii l thnh vin chnh thc ca
Hip hi cc t chc phn cp quc t (IACS). Hin IACS c 11 thnh vin
v phn cp trn 90% s tu bin dng chuyn ch hng ho trn th gii.

9 T chc xp hng tu c uy tn trn th gii

21

Lloyd's Register (LR)

?100A1

American Bureau of Shipping (ABS)

? A1

Bureau Veritas (BV)

China Classification Society (CCS)

CSA5/5

Germanischer Lloyd (GL)

?100 A5

Korean Register of Shipping (KR)

? KRS1

Nippon Kaiji Kyokai (NK)

NS*

Det Norske Veritas (DNV)

? 1A1

Registro Italiano Navale (RINA)

100-A-1.1 or C

Indian Register of Shipping (IRS)

SUL

Russian Maritime Register of Shipping (RS)

KM

Thng tin v hi P&I m tu ang tham gia

Hi P&I l ngi thay mt ch tu ng ra gii quyt v bi thng thit hi cng nh
cc tn tht lin quan n trch nhim ca ch tu. Do iu kin tu phi c P&I l
bt buc i vi tt c cc loi hng. Tuy nhin, trong trng hp hng ch trong
container vi gi tr nh, khch hng khng l ngi thu xp tu ch hng th c th
xem xt khng p dng iu kin ny.
Cc thng tin cn kim tra v P&I ca tu:
Tn hi P&I
Ngy tham gia/ngy ht hn P&I
Mc trch nhim P&I (i vi cc tu khng tham gia hi quc t)
Ch tu/ ngi qun l tu.
CBKT cn kim tra xem ai l ngi qun l tu/ch tu. Ngi qun l tu/ch tu c
i tu hay khng. Cn c bit lu i vi trng hp ch tu ch c mt con tu v
khi h pht sinh trch nhim ch tu th kh nng thu i qua vic bt tu cng ch l
hn ch.
Vic nm bt thng tin v ch tu/ngi khai thc qun l tu rt quan trng. N cho
bit khi trch nhim php l pht sinh th Ngi c bo him/Ngi bo him cn
phi khiu ni ai v gim thiu ri ro tu ma hoc tu khng giao hng do ch tu
gp kh khn v ti chnh bn hng gia ng.
10.3 Cch thc kim tra:
Thu thp thng tin v tu chuyn ch t khch hng

22

CBKT cn yu cu khch hng kim sot thng tin tu trong qu trnh giao dch thc
hin hp ng mua bn ngoi thng v cung cp cc thng tin tu cho BIC h tr
kim tra.
Khch hng ti thiu cn cung cp cc thng tin sau: tn tu, IMO, ngy d kin
chuyn ch. Trong trng hp tu chuyn ch khng tham gia bo him P&I ti hi
quc t, khch hng phi cung cp thm Giy chng nhn bo him P&I ca tu.
Kim tra thng tin qua cc mng tra cu
+ www.equasis.org : CBKT c th t lp ti khon tra cu thng tin ca ring mnh
hoc s dng ti khon tra cu ca Phng Hng hi.
User: ninhpt.bic@bidv.com.vn; Password: 9723
+ Website ca cc hi P&I quc t: website ca cc hi P&I quc t u c phn tra
cu thng tin ca tu do Hi nhn bo him. Thng tin cn c tm kim l tn tu
hoc IMO ca tu.
American Steamship (www.american-club.com )
The London Steamship (www.lsso.com )
The West of England Ship (www.westpandi.com )
Assuranceforeningen Gard & Skuld (www.gard.no )
The Britannia Steamship (www.britanniapandi.com )
The Japan Ship Owners (www.piclub.or.jp )
The North of England (www.nepia.com )
The Shipowners Mutual (www.shipownersclub.com )
Skuld Mutual (Bermuda) (www.skuld.com )
The Standard Steamship Owners (www.standard-club.com )
The Steamship Mutual (www.simsl.com )
The Swedish Club(www.swedishclub.com )
The United Kingdom Mutual ( Bermuda) (www.ukpandi.com )
Website ca nhm hi quc t: www.igpandi.org
Trong trng hp c vng mc, CBKT c th lin h vi Ban Hng hi c tr
gip.
11. Tch t ri ro
Tch t ri ro xy ra khi hng ho thuc nhiu n bo him hng ha khc
nhau c chuyn ch trn cng mt tu hoc phng tin vn chuyn hoc hng ho
c chuyn ch trn nhng con tu tham gia bo him thn tu, bo him TNDS ch
tu ti BIC.
23

Ngay khi pht hin c trng hp tch t ri ro trn mt phng tin vn

chuyn, CBKT cn phi thng bo ngay cho phng nghip v c bit c hng
x l ph hp.

CHNG III: QUY NH V P DNG BIU MU

Da trn thc t khai thc i vi nghip v bo him hng ha, Cng ty quy
nh v vic s dng v p dng cc biu mu, ph lc nh km lin quan n mt
b n/Hp ng bo him hng ha nh sau:
I. NHM BIU MU IN SN
1. Quy tc bo him hng ha
CBKT phi cung cp Quy tc ny cho khch hng khi cp n bo him
khch hng bit r quyn li v phm vi bo him n u. Cng ty s in n v pht
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hnh cc quyn Quy tc bo him, trng hp khng c quyn quy tc in sn th

CBKT in Quy tc ny theo mu c Tng cng ty ban hnh theo tng Quyt nh c
th cho mi loi Quy tc.
2. n bo him hng ho
C cc loi n bo him sau:
Bo him hng ha xut nhp khu gm 02 loi: Ting Anh, Ting Vit
Bo him hng ha vn chuyn trong lnh th Vit Nam gm 02 loi: Ting
Anh, Ting Vit.
Trng hp khng c n bo him in sn, CBKT dng theo mu n bo
him file mm theo quy nh ca Tng cng ty.
Ghi ch:
BIC nghim cm cc n v s dng bt c Quy tc, n bo him no khc vi
nhng mu in sn hoc c Cng ty ban hnh c tnh cht bt buc tun theo.
II. NHM BIU MU KHNG IN SN
1. Giy yu cu bo him (GYCBH)
Cc n v s dng GYCBH theo mu in sn hoc mu file mm do Tng Cng
ty ban hnh. CBKT yu cu khch hng in y cc thng tin yu cu, k tn,
ng du c cn c cp n bo him.
Lu : GYCBH c k tn, ng du v GCNBH hp thnh 1 hp ng BH c gi tr
php l.
2. Bn cho ph
Bn cho ph c gi ti khch hng nu khch hng c yu cu. Bn cho ph
p dng mu ban hnh theo b sn phm.
CBKT ch gi bn cho ph cho cc mt hng c th ch tuyt i khng gi
biu ph bo him hng ho ca BIC cho khch hng.
3. Sa i b sung
Trong thi hn hiu lc n bo him hng ha, ty theo yu cu ca khch
hng (bng vn bn) v b sung cc thng tin cn thiu (B/L, ngy khi hnh, tn
tu, L/C, s lng hng ha) v chuyn hng c bo him, CBKT s cp Sa i b
sung cho n bo him cp. Mu Sa i b sung c ban hnh theo b sn
phm.
Lu : khng cp SDBS iu kin bo him khi hng ho cp cng ch
hoc n a im ch.

25

4. Hp ng/n bo him hng ho.

4.1 Hp ng bo him bao/nguyn tc
Hp ng bao l hp ng bo him m NBH k trc vi BIC bo him
cho cc hng ha cn c bo him trong mt thi k nht nh. Hp ng ny quy
nh r tn hng ha c bo him, loi tu ch hng, cch tnh gi tr bo him ca
hng, s tin bo him ti a cho mi chuyn hng, iu kin bo him, t l ph bo
him v nhng im lin quan khc c tha thun gia hai bn. Do khi cp
n cho tng chuyn vn chuyn c th nm trong phm vi ca Hp ng bo him
bao, CBKT v khch hng khng cn phi m phn v tha thun li cc iu kin
bo him.
Hp ng bao c y tnh php l ca mt hp ng kinh t thng thng.
Ngi bo him v ngi c bo him c th tha thun c hay khng cp n bo
him chuyn cho tng chuyn hng c th. Trong trng hp cp n bo him theo
hp ng bao tho thun th phi tham chiu r s hp ng bao trn n bo
him. Nu c s khc bit gia n bo him chuyn v hp ng bao th c s
gii quyt tranh chp s l n bo him chuyn.
iu khon thanh ton theo Hp ng bao thng l thanh ton ng trc hoc
nh k theo thng.
Mu hp ng bao ban hnh theo B sn phm hng ho.
4.2 Hp ng bo him nguyn tc:
Hp ng nguyn tc c ni dung v cch p dng tng t nh Hp ng bo
him bao nhng NBH khng tr ph bo him ng trc hoc nh k m ph bo
him c tr theo tng chuyn hng thc t. Hiu lc bo him ch thc s pht sinh
khi BIC cp n bo him theo chuyn.
4.3 n bo him chuyn:
n bo him l bng chng chng minh s chp nhn bo him ca ngi bo
him i vi mt chuyn hng nht nh. Mt trn ca n bo him th hin r cc
chi tit lin quan n chuyn hng c bo him nh: tn hng, s lng, trng
lng, phng thc vn chuyn, tn phng tin vn chuyn, tuyn hnh trnh, iu
kin bo him, s tin bo him, ph bo him Mt sau ca n bo him c in
tm tt ni dung cn lu khi c tn tht xy ra. n bo him c th c cp c
lp cho tng chuyn hng theo ni dung yu cu c chp nhn ca NBH hoc
c dn chiu n hp ng bao hoc hp ng nguyn tc c k kt trc .
CBKT cn yu cu khch hng kim tra li cc thng tin trn n bo him
cp v c k cc Lu quan trng pha sau n.

26

5. n bo him tm thi (Cover Note)

n bo him tm thi l n bo him c cp cho mt l hng nht nh
sau khi bit cc thng tin c bn nh tn hng, s tin bo him, tuyn hnh trnh,
s hp ng mua bn/s L/C v ngy k kt, iu kin bo him.
n bo him tm thi thng c cp khi:
Ngi c bo him mun c xc nhn bo him ca BIC trc khi c
y thng tin cp n chnh thc gi ti khch hng ca mnh
hoc ngn hng m khng mun s dng n bo him Bo sau
(thng p dng i vi hng xut khu). Trng hp ny n bo him
tm thi tng ng vi mt n bo him bo sau.
n bo him tm thi c th hin di hai dng:
Dng 1: CBKT cp n bo him tng t nh trng hp cp n bo
him m c cc thng tin bo sau v gi khch hng trc nhm xc
nhn hiu lc bo him. Sau khi khch hng gi thng tin b sung,
CBKT cp n chun gi khch hng.
Dng 2: CBKT son cng vn xc nhn bo him.
6. T trnh cp thm quyn
i vi nhng trng hp vt cp thm quyn ca chi nhnh, cc n v kinh
doanh s dng mu t trnh cp thm quyn theo mu c ban hnh theo b sn
phm.

27

CHNG IV: QUY TRNH CHUNG TRONG BO HIM HNG HO

I. TM KIM KHCH HNG V NGH BO HIM
CBKT ch ng tm kim khch hng t cc ngun nh: qua cc t chc ti
chnh, ngn hng, cng ty giao nhn vn ti; cc cng ty xut nhp khu, cng ty
thng mi , t cc ngun thng tin khc
Sau khi nm bt thng tin v hng ha, tuyn hnh trnh, CBKT c trch nhim
t vn cho khch hng iu kin, iu khon ph hp v ngh khch hng k khai
vo Giy yu cu bo him (GYCBH l mt bng chng quan trng trong vic th
hin ch, nguyn vng tham gia bo him ca khch hng, GYCBH l mt b phn
cu thnh ca b n bo him hng ha nn cn yu cu khch hng gi GYCBH nu
c th v r rng cc yu cu bo him) BIC tin hnh cp n bo him.
II. CP, THEO DI, QUN L H S KHAI THC BO HIM HNG HA
1. Cp n bo him
Cn c vo cc thng tin Giy yu cu bo him, CBKT tin hnh son tho
n bo him m bo ng, y , r rng, khng ty xo.
Khi cp n bo him thng thng CBKT cn cp lm 05 bn: 03 bn
Original, 01bn Duplicate v 01 bn Copy. Trong CBKT a khch hng B n
bao gm: 01 bn Original, 01 bn Duplicate, 01 bn Copy. S bn chnh cn li dng
phc v cng tc qun l h s ni bi ca BIC.
i vi cc n hng xut m khch hng yu cu phi ph hp vi L/C,
CBKT nn kim tra li s lng bn in ph hp vi yu cu ca L/C cha trc
khi chuyn khch hng.
2. Hu b/chm dt hiu lc n/hp ng bo him hng ha
CBKT thc hin tun theo Quy trnh hu b, chm dt Hp ng/n bo him
cn hiu lc p dng ca BIC ti thi im hy n BH.
Lu : Ch c php chm dt hiu lc n bo him trong trng hp hng
ha cha pht sinh tn tht v cha c thng tin cp cng ch hoc vn chuyn xong.
3. H s khai thc
CBKT lu H s bo him hng ha ti n v, h s gm cc ti liu sau:
Bn cho ph (nu c)
Hp ng bo him (nu c)
Giy yu cu bo him (phi c i vi n cp theo chuyn)
n bo him (bn chnh)
Sa i b sung (nu c)
Thng bo thu ph
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 Cc vn bn khc c lin quan nh: ho n thu ph, thng tin b sung do

khch hng cung cp, thng tin tra cu tu chuyn ch.
4. phng hn ch tn tht v h tr cng tc khiu ni bi thng
4.1. phng, hn ch tn tht
a) phng, hn ch tn tht trc khi hng ha c chuyn ch.
phng hn ch tn tht trc khi hng ho c chuyn ch c thc hin
qua cc cng vic sau:
Yu cu khch hng hng p dng cc bin php ng hng ph hp vi
phng thc chuyn ch
Yu cu khch hng cung cp thng tin tu kim tra kh nng chuyn ch
ca tu cng nh kh nng ti chnh ca ngi vn hnh/qun l tu.
T vn khch hng thu hoc yu cu i tc s dng hng vn ti c i l ti
Vit Nam v ghi ch r tn, a ch ca i l trn B/L tin lin h v theo
di hnh trnh ca chuyn hng
Hng dn khch hng cc cng vic phi lm khi c tn tht xy ra bng cch
gii thch r cc ni dung ca Phn Lu quan trng c in ti mt sau ca
n bo him
Thc hin gim st d hng i vi hng ho siu trng siu trng vn chuyn
ni a. Hng d n c gi tr ln c th tin hnh gim nh trc khi nhn bo
him loi tr cc tn tht pht sinh trc .
Yu cu khch hng gim nh tu chuyn ch trc khi xp hng ln tu xut
sang nc ngoi i vi cc l hng nguyn chuyn c gi tr cao.
b) phng, hn ch tn tht sau khi hng ha n cng ch
Ty thuc vo loi hng, iu kin bo him m ngi bo him c cc phng
thc phng, hn ch tn tht khc nhau.
n v khai thc/CBKT cn c bit ch cc loi hng ha nh st thp ch
ri, phn bn, nng sn ch ri (ri ro mt trm, mt cp, thiu ht ln) nn cn c k
hoch trc vi b phn gim nh bi thng, thu n v gim st, kim m khi
hng cp cng.
4.2. H tr cng tc khiu ni bi thng
Ngay sau khi nhn c thng tin c tn tht, CBKT cn nhanh chng lin h
vi b phn bi thng hng dn khch hng cc th tc cn thit bo lu quyn
khiu ni i vi bn th ba v chun b h s khiu ni, ng thi CBKT gi cho b
phn bi thng mt b h s lu y b phn bi thng c c s nh gi,
xem xt bi thng.

29

CBKT phi thng xuyn lin lc v kp thi h tr khch hng cng nh b

phn bi thng cho n khi v vic gii quyt xong.
5. Thu ph bo him v chm sc khch hng
Thng bo thu ph c lp v gi n khch hng cng vi B n bo him.
Ngy lp Thng bo thu ph l ngy cp n bo him.
Thi hn thanh ton ph bo him ty thuc vo ngy chuyn ch d kin ca
tng l hng trong trng hp thu ph theo chuyn v ph thuc vo k thanh ton
tha thun trong trng hp thu ph nh k.
Thi gian chuyn ch d kin c th tham chiu thi hn giao hng quy nh
trn hp ng mua bn hoc L/C hoc cc thng tin do khch hng cung cp.
CBKT c trch nhim khuyn co khch hng v vic trch nhim bo him ch
pht sinh khi khch hng thc hin ng ph ng theo cam kt v c ngha v n
c khch hng ng ph theo ng k hn. i vi cc n c thi hn ng ph di
v chia lm nhiu k, khi chun b ti thi hn thanh ton, CBKT phi lin h vi
khch hng v gi ti khch hng vn bn nhc ng ph m bo khch hng c
bit v thi hn thanh ton.

30