Professional Documents
Culture Documents
Trang 1/4
Tui
Nhm
ngh nghip
Nam
N
N
28
29
1
2
2
2
Ngi c
bo him
Thi hn
hp ng
Thi hn
ng ph
S tin
bo him
NBH chnh
21
17
H v tn
Bn mua bo him:
Ngi c bo him chnh (NBH chnh):
Ngi c bo him b sung 1 (NBHBS 1):
Ngi c bo him b sung 2 (NBHBS 2)/Ngi th hng Quyn li hc vn:
a ch lin h:
CMND/H chiu/
Khai sinh
n v tnh: ng
Ph bo him
hng nm
100.000.000
6.730.000
(300.000)
6.430.000
NBH chnh
17
17
17
17
17
17
NBHBS 1
NBHBS 2
Nm
8.022.800
Na nm
4.252.100
17
17
17
17
17
17
200.000
50.000.000
50.000.000
200.000
50.000.000
Qu
2.246.400
420.000
166.300
216.500
175.000
420.000
195.000
8.022.800
Thng
802.300
Ghi ch:
(*) Ph bo him ca (cc) sn phm ny c th thay i theo s chp thun ca B Ti chnh. Ph bo him ca (cc) sn phm cn li c m bo trong sut thi hn hp ng.
Ph bo him c trnh by trn y l ph tnh cho ngi c sc khe trung bnh theo tiu chun ca Prudential. Ph bo him thc t s da trn kt qu thm nh ca Prudential.
Bn mua bo him:
Ngi c bo him chnh:
Minh ha s:
i l bo him:
84001000001
TEST
Phin bn:
Ngy:
Trang 2/4
n v tnh: ng
S KIN BO HIM
QUYN LI BO HIM
GHI CH
T vong
Thng tt ton b v vnh vin
100.000.000
100.000.000
Nm vin
200.000
400.000
Phu thut
1.000.000
Bo him nhn th c k hn
Bn mua bo him:
Ngi c bo him chnh:
T vong
Thng tt ton b v vnh vin
B tn tt (theo mc tn tt) hoc b phng nng hoc t vong do tai nn
T vong do tai nn khi ang l hnh khch c mua v trn xe but hoc xe la
T vong do tai nn khi ang l hnh khch c mua v trn cc chuyn bay thng mi
Nm vin
200.000
400.000
Phu thut
1.000.000
Minh ha s:
i l bo him:
84001000001
TEST
Phin bn:
Ngy:
S KIN BO HIM
QUYN LI BO HIM
Trang 3/4
GHI CH
Dnh cho Ngi c bo him b sung 2/Ngi th hng Quyn li hc vn: NGUYN THU TRINH
6
Bo him nhn th c k hn
(dnh cho tr em)
T vong
Thng tt ton b v vnh vin
50.000.000
50.000.000
Ghi ch:
Chi tit v quyn li ca (cc) sn phm bo him nu trn c quy nh c th trong Quy tc, iu khon ca sn phm.
(Cc) Sn phm b tr trn y l (cc) sn phm bo him khng c bo tc.
Bn mua bo him:
Ngi c bo him chnh:
Minh ha s:
i l bo him:
84001000001
TEST
Phin bn:
Ngy:
n v tnh: ng
Tui
NBH
chnh
29
30
31
32
33
34
35
36
37
38
39
40
41
42
43
44
45
46
47
48
49
Ph bo him
hng nm
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
6.430.000
Trang 4/4
Tng ph
bo him
ng
Quyn li
bo him
m bo
(a)
6.430.000
12.860.000
19.290.000
25.720.000
32.150.000
38.580.000
45.010.000
51.440.000
57.870.000
64.300.000
70.730.000
77.160.000
83.590.000
90.020.000
96.450.000
102.880.000
109.310.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
100.000.000
QUYN LI
HC VN
M BO
(d)
QUYN LI HC VN MINH HA
Tng Quyn li Tng Quyn li
Bo tc tch ly v
Li chia cui hp ng
hc vn
hc vn tch ly
(e) = (^b) + (^c)
(f) = (d) + (e)
(g)
30.000.000
20.000.000
20.000.000
20.000.000
30.000.000
21.647.700
21.647.700
21.647.700
21.647.700
21.647.700
51.647.700
41.647.700
41.647.700
41.647.700
51.647.700
Nu nhn Quyn li hc vn
120.000.000
108.238.500
228.238.500
GI TR HON LI MINH HA
Nu nhn
Nu tch ly
Quyn li hc vn Quyn li hc vn
(h)
(i) = (h) + (g) - (f)
1.117.300
5.276.500
12.823.800
17.655.000
25.856.100
32.467.400
39.760.300
47.805.400
59.831.400
70.173.200
81.589.800
94.195.900
108.120.400
130.007.100
147.909.100
198.751.200
158.387.000
125.551.500
90.044.400
51.647.800
51.647.700
97.427.200
146.869.100
200.266.300
267.935.300
1.117.300
5.276.500
12.823.800
17.655.000
25.856.100
32.467.400
39.760.300
47.805.400
59.831.400
70.173.200
81.589.800
94.195.900
108.120.400
130.007.100
147.909.100
198.751.200
214.166.500
230.772.900
248.663.000
267.935.400
Nu tch ly Quyn li hc vn
120.000.000
108.238.500
39.696.800
267.935.300
Ghi ch:
Tng Quyn li hc vn nu tch ly nh minh ha ct (g) bao gm li tch ly khi khch hng li Quyn li hc vn Cng ty. Li tch ly c minh ha mc li sut 8% v khng c m bo.
Gi tr hon li ( bao gm Quyn li hc vn ca nm tng ng) nu trn KHNG C M BO. Gi tr hon li c tnh da trn mc Bo tc minh ha.
Bo tc tch ly c cng b hng nm. Bo tc tch ly nh minh ha ct (b) KHNG C M BO; tuy nhin, mt khi Bo tc tch ly c cng b th s c m bo v lm tng gi tr ca hp ng.
Li chia cui hp ng (KHNG C M BO) c chi tr khi c s kin bo him hoc khi o hn. Li chia cui hp ng khi c cng b ch c gi tr cho nm cng b, khng c tch ly v c th tng hoc gim hng nm.
Bo tc tch ly v Li chia cui hp ng thc t c cng b da trn kt qu hot ng ca Qu Ch hp ng - hnh thnh t ngun ph bo him - trong sut thi hn ca hp ng. Bo tc tch ly v Li chia cui hp ng thc t c th cao (hoc thp) hn Bo tc
tch ly v Li chia cui hp ng minh ha trong trng hp li sut u t thc t t hot ng u t ti sn ca qu cao (hoc thp) hn mc mong i. Tuy nhin, mc tiu ca Prudential l khng bo tc hng nm bin ng qu ln.
Cc s liu minh ha trn y ch mang tnh tham kho vi gi nh ton b ph bo him c ng y v khng c giao dch no lm thay i gi tr hp ng. Ton b ni dung minh ha ny l mt phn ca hp ng bo him.
XC NHN CA I L BO HIM
Ti gii thch y cho Bn mua bo him v Quyn li v
cc Quy tc, iu khon ca (cc) sn phm bo him nu trn.
i l bo him k tn:
H v tn: TEST
M s i l: 88888888
Ngy: 11/02/2012
Bn mua bo him:
Ngi c bo him chnh:
Minh ha s:
i l bo him:
84001000001
TEST
Phin bn:
Ngy:
Trang 1/3
Tui
Nhm
ngh nghip
Nam
N
28
29
2
2
Ngi c
bo him
Thi hn
hp ng
Thi hn
ng ph
S tin
bo him
NBH chnh
31
22
200.000.000
5.760.000
22
22
22
22
22
22
22
22
22
22
22
22
50.000.000
200.000
20.000.000
175.000
420.000
496.000
153.200
175.000
420.000
7.599.200
H v tn
Bn mua bo him:
Ngi c bo him chnh (NBH chnh):
Ngi c bo him b sung (NBHBS):
a ch lin h:
CMND/H chiu
n v tnh: ng
NBH chnh
NBHBS
Nm
7.599.200
Na nm
4.027.700
Ph bo him
hng nm
50.000.000
200.000
Qu
2.127.800
Thng
759.900
Ghi ch:
(*) Ph bo him ca (cc) sn phm ny c th thay i theo s chp thun ca B Ti chnh. Ph bo him ca (cc) sn phm cn li c m bo trong sut thi hn hp ng.
Ph bo him c trnh by trn y l ph tnh cho ngi c sc khe trung bnh theo tiu chun ca Prudential. Ph bo him thc t s da trn kt qu thm nh ca Prudential.
Bn mua bo him:
Ngi c bo him chnh:
Minh ha s:
i l bo him:
84001000001
TEST
Phin bn:
Ngy:
Trang 2/3
n v tnh: ng
S KIN BO HIM
QUYN LI BO HIM
GHI CH
T vong
Thng tt ton b v vnh vin
B tn tt (theo mc tn tt) hoc b phng nng hoc t vong do tai nn
T vong do tai nn khi ang l hnh khch c mua v trn xe but hoc xe la
T vong do tai nn khi ang l hnh khch c mua v trn cc chuyn bay thng mi
200.000.000
200.000.000
50.000.000 (ti a)
100.000.000 (ti a)
150.000.000 (ti a)
Nm vin
200.000
400.000
Phu thut
1.000.000
Nm vin
200.000
400.000
Phu thut
1.000.000
20.000.000
Ghi ch:
Chi tit v quyn li ca (cc) sn phm bo him nu trn c quy nh c th trong Quy tc, iu khon ca sn phm.
(Cc) Sn phm b tr trn y l (cc) sn phm bo him khng c bo tc.
Bn mua bo him:
Ngi c bo him chnh:
Minh ha s:
i l bo him:
84001000001
TEST
Phin bn:
Ngy:
n v tnh: ng
Tui
NBH
chnh
29
30
31
32
35
38
41
44
47
50
51
52
53
54
55
56
57
58
59
Ph
bo him
hng nm
Tng ph
bo him ng
5.760.000
5.760.000
5.760.000
5.760.000
5.760.000
5.760.000
5.760.000
5.760.000
5.760.000
5.760.000
5.760.000
11.520.000
17.280.000
23.040.000
40.320.000
57.600.000
74.880.000
92.160.000
109.440.000
126.720.000
126.720.000
126.720.000
126.720.000
126.720.000
126.720.000
126.720.000
126.720.000
126.720.000
126.720.000
Trang 3/3
QUYN LI HU TR
Bo tc tch
Tng
ly minh ha
(f) = (d) + (e)
(e)
Quyn li
m bo
(d)
20.000.000
20.000.000
20.000.000
20.000.000
20.000.000
20.000.000
20.000.000
20.000.000
20.000.000
20.000.000
10.919.600
10.919.600
10.919.600
10.919.600
10.919.600
10.919.600
10.919.600
10.919.600
10.919.600
10.919.600
30.919.600
30.919.600
30.919.600
30.919.600
30.919.600
30.919.600
30.919.600
30.919.600
30.919.600
30.919.600
Tng Quyn li
hu tr tch ly
(g)
30.919.600
64.312.800
100.377.400
139.327.200
181.393.000
226.824.000
275.889.500
328.880.300
386.110.300
447.918.700
GI TR HON LI MINH HA
Nu tch ly
Nu nhn
Quyn li hu tr
Quyn li hu tr
(i) = (h) + (g) - (d) - (e)
(h)
1.462.200
5.765.600
10.478.900
27.471.500
49.746.100
78.948.400
117.334.700
168.054.100
235.523.300
220.264.600
203.594.300
185.356.000
165.367.400
143.422.900
119.289.200
92.702.600
63.361.800
30.919.600
1.462.200
5.765.600
10.478.900
27.471.500
49.746.100
78.948.400
117.334.700
168.054.100
235.523.300
253.657.800
273.052.100
293.763.600
315.840.800
339.327.300
364.259.100
390.663.300
418.552.500
447.918.700
Ghi ch:
Gi tr hon li ( bao gm Quyn li hu tr ca nm tng ng) nu trn KHNG C M BO. Gi tr hon li c tnh da trn mc Bo tc minh ha.
Bo tc tch ly c cng b hng nm. Bo tc tch ly nh minh ha ct (b) KHNG C M BO; tuy nhin, mt khi Bo tc tch ly c cng b th s c m bo v lm tng gi tr ca hp ng.
Bo tc tch ly thc t c cng b da trn kt qu hot ng ca Qu Ch hp ng - hnh thnh t ngun ph bo him - trong sut thi hn ca hp ng. Bo tc tch ly thc t c th cao (hoc thp) hn Bo tc tch ly minh ha trong trng
hp li sut u t thc t t hot ng u t ti sn ca qu cao (hoc thp) hn mc mong i. Tuy nhin, mc tiu ca Prudential l khng bo tc hng nm bin ng qu ln.
Cc s liu minh ha trn y ch mang tnh tham kho vi gi nh ton b ph bo him c ng y v khng c giao dch no lm thay i gi tr hp ng. Ton b ni dung minh ha ny l mt phn ca hp ng bo him.
XC NHN CA I L BO HIM
Ti gii thch y cho Bn mua bo him v Quyn li
i l bo him k tn:
v cc Quy tc, iu khon ca (cc) sn phm bo him nu
trn.
H v tn: TEST
M s i l: 88888888
Ngy: 11/02/2012
Bn mua bo him:
Ngi c bo him chnh:
Minh ha s:
i l bo him:
84001000001
TEST
Phin bn:
Ngy: