1

CNG N THI
MN LUT KINH DOANH BO HIM
* Cu trc thi gm:
- 01 cu l thuyt;
- 03 cu nhn nh;
- 01 cu bi tp.
* Ni dung n tp thi cc bi 1, 2 (chnh) v 3, 4, 5.
Cu 1: Cc bin php i ph vi ri ro m con ngi p dng?
1. Trnh ri ro:
- Trnh ri ro tc l khng lm mt vic g qu mo him, khng chc chn.
- Nhc im: Bin php ny lm con ngi ta lc no cng s st khng dm lm vic g =>
khng thu c kt qu g.
2. Ngn nga hn ch ri ro:
- Bin php ny th hin vic cc cng ty, cc c nhn dng nhng bin php
phng, ngn nga, hn ch ri ro v hu qu ca n, v d: h thng phng chy cha chy, h
thng chng trm, cc bin php an ton lao ng...
- Nhc im: Bin php ny cng ko ngn nga c ht ri ro xy ra.
3. T khc phc ri ro:
- Bin php ny th hin vic cc cng ty, c nhn d tr mt khon tin nht nh khi
c ri ro xy ra th dng khon tin b p khc phc hu qu ( bin php t bo him).
- Nhc im:
+ Khng phi t chc hay c nhn no cng c sn tin d tr.
+ Tin d tr ny khng b p cho nhng tn tht ln xy ra.
+ + gy ng vn ln trong x hi nu t chc, cc nhn no cng d tr nh vy.
4. Chuyn nhng ri ro:
- Mt cng ty hay mt cc nhn khi t mnh thy khng th chu ng c mt hay nhiu
ri ro ln c tnh cht thm ha th phi tm cch san s bng cch chuyn nhng ri ro cho cc
cng ty khc, Khi chp nhn ri ro, cc cng ty khc phi bi thng nhng thit hi do ri
ro tha thun gy nn, cn ngi chuyn nhng ri ro phi tr 1 khon tin => bin php
bo him.
- u im:
+ Phm vi b p rng ln.
+ C th b p nhng ri ro c tnh cht thm ha
+ Khng gy ng vn trong x hi
=> Bin php ny pht trin mnh m cho n ngy nay.
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Cu 2: Nu khi nim v phn tch bn cht ca bo him?
1. Khi nim:
- Khi nim 1: tm vi m:
Bo him l 1 ch cam kt bi thng bng tin v kinh t, trong ngi c bo
him phi ng 1 khon gi l ph bo him cho ngi bo him theo cc iu khon quy nh, cn
ngi bo him c trch nhim bi thng cho i tng bo him do cc ri ro bo him
gy ra.
- Khi nim 2: tm v m:

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bo him l 1 h thng cc bin php kinh t nhm t chc cc qu bo him huy ng t
cc t chc, c nhn bi thng cc tn tht thit hi do cc thin tai, tai nn bt ng xy ra,
gp phn ti sn xut lin tc v m bo i sng ca cc thnh vin trong x hi .
2. Phn tch bn cht:
- i tng bo him: Ti sn, con ngi, trch nhim.
- Ngi bo him ch bi thng bng tin v:
+ Gi tr l hng (ti sn) c bo him s khc nhau ti cc thi im.
+ Cng ty bo him ch tp trung vo 1 lnh vc => khng th bao qut c bi thng
bng hin vt
+ C nhng gi tr khng th bi thng bng hin vt..
- Ri ro c bo him: l nhng ri ro tha thun trong hp ng. Ngi bo him ch
bi thng nhng thit hi do nhng ri ro tha thun gy ra m thi
- Ngi c bo him: Phi np ph theo cc iu khon quy nh
- Cng ty bo him: Khi c tn tht xy ra phi dn chiu li cc iu khon trn c ch
bi thng thch hp.
- Bo him l 1 ngnh kinh t trong x hi.
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Cu 3: Ti sao ni bo him c tc dng lm tng cng cng tc phng, ngn nga ri
ro, hn ch tn tht?
Th nht, v pha ngi bo him: bo him hnh thnh nn m t th trng, chuyn mn
ring v bo him, do cc cng tc lin quan ti bo him s c chuyn mn hn v thc hi n
tt hn (v d nh thm tra, xem xet.).
Ngi bo him khi chp nh n bo him cho m t l hng s cm thy c trch nhi m
phi m bo cho l hng . H c th thc hi n m t s yu cu ngi c bo him phi
phng, hn ch tn tht ho c yu cu ngi c bo him phi cung cp y thng tin, c p
nh t v tnh trng hng theo doi. D nhin, iu ny gip tng cng tc bo v , phng nga, hn
ch ri ro tn tht.
Th hai, v pha ngi c bo him: Ban u h s c 2 la chn: 1 l khng mua bo
him v c gng hon thnh tt cng vi c v n chuyn hng khng xy ra ri ro tn tht. Nu
c xy ra ri ro tn tht (iu h hon ton khng mong mun), h s t chu thi t hi. Th 2, h
mua bo him, tc l h thc c rng, mnh b tin mua hng, v v y s c thc s
dng hng ho tt. H khng mun mt khng s tin bo him m mc ch ban u ca
mnh (mc ch chnh yu ca h l hng c gi an ton) li khng thc hi n c (khng k
nhng ngi ch ngh bo him cho ri ro l s khng phi lo, bi ch l tm l thiu s). Chnh
v th, ngi c bo him cng c thc hn i vi s an ton hng ho ca mnh.
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Cu 4: Trnh by cc cch phn loi bo him:
1. Cn c vo c ch hot ng ca bo him:
- Bo him x hi: l ch bo him ca nh nc, ca on th x hi hoc ca cc cng
ty nhm tr cp cc vin chc nh nc, ngi lm cng ... trong trng hp m au, bnh tt, b
cht hoc b tai nn trong khi lm vic, v hu .
- Bo him thng mi: l loi hnh bo him mang tnh cht kinh doanh, thng mi.
2. Cn c vo tnh cht ca bo him:
- Bo him nhn th: l bo him cho tnh mng, tui th ca con ngi nhm b p cho
ngi c bo him mt khon tin khi ht thi hn bo him hoc khi ngi c bo him b
cht hoc b thng tt ton b vnh vin.. bo him nhn th gm cc loi nh bo him trn i,
sinh ky, t ky, hn hp

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=> Vi loi hnh bo him ny, ngi c bo him chc chn s c hon tr li s tin
bo him khi o hn hp ng => mang tnh cht nh gi tit kim.
- Bo him phi nhn th: M t s hnh thc nh bo him sc khoe, tai nn, hng hi, ti sn,
chy v ri ro c bi t, xy dng v lp t, xe c gii
=> Vi loi hnh bo him ny c th c ti tc hp ng bo him. Ngi c bo him
ch c bi thng khi c tn tht xy ra.
3. Cn c vo i tng bo him:
- Bo him ti sn: i tng bo him l ti sn ca tp th hay c nhn bao gm vt c
thc, tin, giy t c gi ...
- Bo him trch nhim: i tng bo him trong loi hnh ny l trch nhim dn s ca
ngi c bo him i vi ngi th 3 hay i vi sn phm.
- Bo him con ngi: i tng bo him l con ngi hay cc b phn ca c th con
ngi hoc cc vn c lin quan nh tui th, tnh mng, sc khe, tai nn...
4. Theo quy nh ca php lut Lut kinh doanh bo him 2000:
- Bo him trch nhim dn s ca ch xe c gii
- Bo him trch nhim dn s ca ngi vn chuyn hng khng i vi hnh khch
- Bo him trch nhim ngh nghip i vi hot ng t vn lut php => lut s
bo him trch nhim ngh nghip ca doanh nghip mi gii bo him.
- Bo him chy n
- Bo him trong hot ng t vn chng khon v u t.
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Cu 5: Gi tr bo him v s tin bo him? Tr gi bo him v s tin bo him c quan
h vi nhau nh th no trong bo him ti sn.
1.Gi tr bo him: V
L gi tr ca i tng bo him + cc chi ph hp l khc (VD: chi ph cha chy, chi ph
cu nn, chi phsi sa cha ...), nhng c bn vn l gi tr ca i tng bo him
Note: Khi mua gi CIF, nu xy ri ro th cng ty bo him phi n b trn gi CIF bao
gm C+ I +F.
2. S tin bo him: A
L s tin do ngi c bo him yu cu v c bo him, n c th l 1 phn hay ton
b gi tr bo him.

Mi quan h gia A v V: A V
A = V: bo him ngang gi tr ( bo him y )
A < V: bo him di gi tr
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Cu 6: Ngi bo him, ngi c bo him? Ngha v v quyn li c bn ca cc ch

th khi k kt hp ng bo him?
1. Ngi bo him: L ngi nhn trch nhim v ri ro. Ngi bo him c th l cng ty
ca nh nc hay ca cng ty t nhn.
- Ngha v:
+ Phi cung cp y v trung thc nhng thng tin v hp ng bo him cho ngi mua
bo him
+ Phi bi thng cho ngi th hng khi c ri ro nm trong phm vi bo him xy ra
- Quyn li: c nhn ph bo him
2. Ngi c bo him: l t chc, c nhn c ti sn, trch nhim dn s, tnh mng c
bo him theo hp ng bo him. Ngi c bo him c th ng thi l ngi th hng.

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- Ngha v:
+ Ngi c bo him c ngha v cung cp cho ngi bo him bit tt c cc thng tin
m mnh bit hoc phi bit lin quan n vic giao kt hp ng bo him c th nh hng
n vic xc nh kh nng xy ra ri ro hoc quyt nh ca ngi bo him v vic nhn bo him
v cc iu kin bo him, tr thng tin m mi ngi bit hoc ngi bo him bit hoc phi
bit.
+ Ngi c bo him c tn trong hp ng bo him v phi np ph bo him
- Quyn li: c nhn tin bi thng khi xy ra ri ro thuc phm vi bo him nu ngi
c bo him ng thi l ngi th hng
Note: khi nim ngi th hng v li ch bo him
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Cu 7: i tng bo him l g? C nhng loi i tng bo him no?
i tng bo him l khch th ca hp ng bo him, l ti sn hoc li ch mang ra bo
him, l i tng m v n ngi ta phi k kt hp ng bo him..
C 3 loi i tng bo him: Ti sn, con ngi, trch nhim.
Nu i tng l ti sn Bo him hng ho
Nu i tng l con ngi Bo him nhn th, trch nhi m dn s.. (trong hng hi
bo him P&I)
Nu i tng l trch nhi m
Bo him TNDS ch tu
Ch , trch nhi m
khng phi l m t thc th, nhng do tnh c th pht sinh trong hng
hi m n tr thnh m t i tng c bo him.
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Cu 8: ng bo him, Ti bo him. Cho v d
Tr li:
1. ng bo him: (Co- Insurance): L hnh thc bo him trong nhiu cng ty bo
him cng ng ra bo him cho mt i tng bo him.
- V d: 2 cng ty bo him A v B cng nhn bo him cho mt con tu tr gi 10000$ vi t
l ng bo him 80/20 c ngha l: khi xy ra tn tht ton b, cng ty A bi thng cho ch tu
80% gi tr con tu (tng ng vi s tin 8000$) v cng ty B bi thng cho ch tu 20% gi tr
con tu (tng ng vi s tin 2000$).
2. Ti bo him (Re-Insurance): L vic hai hay nhiu cng ty bo him chia nhau bo
him nhng ri ro ln, mi cng ty nhn trch nhim v mt phn nht nh ca tn tht v nhn
mt phn tng xng trong s ph bo him.
- V d: cng ty bo him A nhn bo him cho 1 con tu tr gi 10000$. Sau cty A k kt
mt hp ng ti bo him vi cng ty B. Theo , cng ty B s nhn bo him cho 3000$ gi tr
con tu. Khi tn tht ton b xy ra, cng ty A s bi thng 7000$ cn cng ty B bi thng 3000$
cho ch tu.
Lu :
1. ng bo him:
S tin cng ty bo him phi tr = (S tin tn tht)x(s tin bo him thc t)/(S tin yu
cu phi bo him). Trong :
S tin yu cu phi bo him = (Gi tr ca ti sn c bo him) x (t l ng bo him
theo iu khon ng bo him)
Th d: Gi tr ca mt to nh l 100.000USD
T l s tin yu cu phi bo him theo iu khon ng bo him l 80%.
Tn tht do chy nh l 60.000USD.

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S tin bo him thc t l: 75.000USD
Cng ty bo him s phi tr: 60.000x75.000/(100.000x80%) = 56.250USD trong s
60.000USD.
1.

So snh ng bo him v ti bo him

ng bo him

- Ngi c bo him k cc hp
ng bo him v i bi thng trc tip vi
tng cng ty ng bo him.

Ti bo him
- Ngi c bo him ch k hp ng v i bi
thng vi 1 cng ty bo him gc.
- Cng ty bo him gc l ngi quyt nh c k kt
cc hp ng ti bo him hay khng.

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Cu 9: Ph bo him c xc nh nh th no v ph thuc vo cc yu t no?
Tr li:
Ph bo him (Insurance Premium - I) : L khon tin m ngi c bo him phi np
cho ngi bo him c bi thng, l gi c ca bo him.
I = V(A) x R
1
Trong :
V: Gi tr bo him (Insurance Value - V): L gi tr ca i tng bo him cng vi
cc chi ph hp l khc (c bn vn l gi tr ca i tng bo him).
A: S tin bo him (Insurance Amount - A): L s tin do ngi c bo him yu cu
v c bo him, n c th l mt phn hay ton b gi tr bo him.
R: T l ph bo him (Rate of Insurance - R): L mt t l phn trm nht nh (ca A
hoc V) do cc cng ty bo him cng b hoc tho thun theo mt hp ng bo him.
Thng c tnh cn c vo vic thng k tn tht hay xc sut xy ra ri ro.
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Cu 10: Nguyn tc trung thc tuyt i trong bo him v ngha ca n?
Tr li:
1. Nguyn tc trung thc tuyt i (utmost good faith)
Ngi bo him v ngi c bo him phi tuyt i trung thc vi nhau, tin tng ln
nhau, khng c la di nhau. Nu mt trong hai bn vi phm th hp ng bo him khng c
hiu lc.
2. ngha: Theo nguyn tc ny, khi tin hnh k kt mt hp ng bo him:
- Ngi bo him phi cng khai tuyn b cc iu kin, nguyn tc, th l, gi c bo him
cho ngi c bo him bit; khng c nhn bo him khi bit i tng bo him n ni
an ton.
- Ngi c bo him phi khai bo chnh xc cc chi tit c lin quan n i tng bo
him; phi thng bo kp thi nhng thay i c lin quan n i tng bo him, v ri ro, v
nhng mi e do nguy him hay lm tng thm ri ro m mnh bit c hoc ng l phi bit
c cho ngi bo him; khng c mua bo him khi bit i tng bo him b tn tht.
Nguyn tc ny l nn tng cho hot ng kinh doanh bo him, m bo khng c s la
o hay trc li t bo him.
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Tham kho cu 5- Chng I

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Cu 11: Nguyn tc li ch bo him trong bo him
Tr li:
Nguyn tc li ch bo him2 (insurable interest)
- Ngi c bo him mun mua bo him phi c li ch bo him.
- Li ch bo him l li ch hoc quyn li c lin quan n, gn lin vi hay ph thuc vo,
s an ton hay khng an ton ca i tng bo him
V d:
1. Mua bo him cho mt ngi nh.
Li ch bo him l: quyn s hu ngi nh.
Ti thi im np ph bo him v hp ng bo him c hiu lc, cng ty bo him cha
cn quan tm n li ch bo him ca ngi mua v ti thi im cng ty bo him cha phi
bi thng tn tht, ch c li ch l thu ph. Khi tn tht xy ra, ngi mua khiu ni th cng ty
bo him mi quan tm.
Nu sau tn tht, xem xet, kt lun c ngi mua bo him khng c quyn li i vi i
tng bo him th hp ng bo him ngay lp tc b v hiu.
2. Xut khu mt l hng theo iu kin CIF, ngi bn ng ra mua bo him cho l hng
. Quyn li c th bo him i vi l hng nhp khu ny thuc v ngi bn cho n khi ngi
bn chuyn giao quyn s hu v k hu chuyn nhng hp ng bo him cho ngi mua. Nu
hng ha b tn tht trc khi c chuyn giao cho ngi mua th khng c khiu ni hp l theo
n bo him ca ngi mua v h cha c mt quyn li c th bo him vo thi im xy ra tn
tht. V sau khi chuyn giao quyn li c th bo him cho ngi mua ngi bn cng khng c
quyn i khiu ni trong trng hp tn tht xy ra.
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Cu 12: Th quyn l g? Tc dng v iu kin thc hin th quyn. Cho v d?
Tr li:
1. Nguyn tc th quyn (subrogation)
Th quyn l quyn ca mt ngi, sau khi bi thng cho mt ngi khc theo bn phn
php l, c th thay th v tr ca ngi , cng nh c hng mi quyn li hp php ca
ngi i ngi th ba c trch nhim bi thng cho mnh.
V d: Mt cng ty bo him sau khi bi thng tn tht mt l hng do li ca ngi
chuyn ch cho ch hng, c quyn thay mt ch hng kin ngi chuyn ch bi thng cho mnh
trong phm vi s tin bi thng cho ngi c bo him.
Ch hng thit hi 80$, khiu ni ngi chuyn ch c bi thng 50$, cng ty bo him
s bi thng 30$ khi phc kh nng ti chnh ban u. Sau , cng ty bo him thy vic
khiu kin cha hp l, c th tip tc khiu ni ngi chuyn ch.
2. Tc dng
- Th quyn gip gim ph bo him:Nhng khon tin i bi hon thnh cng thng qua
th quyn l ngun thu khc ngoi ph bo him cng ty bo him c th b p ti chnh.
Chng cho php gim nhng chi ph thc t ca cng ty bo him trong trng hp tn tht xy ra
v do n c tc dng gim ph bo him.
- Th quyn gip lm gim s lng cc v kin: Sau khi nhn c bi thng ca cng ty
bo him, ngi c bo him s khng mong mun tip tc i kin ngi c trch nhim v nu
c i c tin bi thng ca bn th 3 ny th anh ta vn phi bi hon li cho cng ty bo
him.
3. iu kin
iu 22.1(a) ca Lut Kinh doanh Bo him Vit nam 2000 (LBH 2000) quy nh hp ng bo him v
hiu khi ngi mua bo him khng c quyn li c th bo him.
2

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- Th quyn ch p dng trong hp ng bi thng: L hp ng bo him gia ngi c
bo him v ngi bo him phi l hp ng m bo cho tn tht v mt ti chnh c th pht
sinh trong tng lai ca ngi c bo him khc vi HDBH nhn th (mang tnh cht tit kim).
- Th quyn p dng sau khi bi thng y : Theo , ngi bo him ch c th
quyn sau khi bi thng y cho tn tht nm trong phm vi bo him ca ngi c bo
him3.
- Ngi bo him i bi hon trn danh ngha ca ngi c bo him: Vic i bi
thng ny phi thc hin trn danh ngha ngi c bo him, tc l ngi bo him ch c
hng li t nhng quyn li v bin php m ngi c bo him c hng m khng c bt
k quyn hn no i vi nhng vn nm ngoi gii hn nhng quyn li v bin php m ngi
c bo him c hng.
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Cu 13: So snh bo him x hi v bo him thng mi
Tr li:
1. Ging nhau:
Mc ch hot ng: b p ti chnh n nh i sng cho ngi tham gia bo him khi
gp ri ro. V qu bo him ny ch yu c to lp t nhng i tng tham gia bo him .
C ch/ Nguyn tc hot ng: Ly s ng b s t
2. Khc nhau:
Tiu ch
Bo him x hi
i tng
Thu nhp ca ngi lao ng
bo him
i tng
Ngi lao ng v ngi s dng lao ng
tham gia
Ngun hnh thnh Ngi lao ng, ngi s dng lao ng,
qu
Nh nc b thiu v ngun khc (li u
t qu nhn ri, ng h ca cc t chc...).
Mc ch
Chi tr tr cp theo cc ch ; chi qun l
s dng qu
s nghi p BHXH, chi d phng v chi cho
u t.
Ph bo him

C quan qun l
Tnh cht

Bo him Thng mi
Tnh mng, tnh trng sc khe ca con ngi,
ti sn, trch nhi m dn s.
Tt c cc c nhn v t chc trong x hi

Hnh thnh t s ng gp ph ca nhng

ngi tham gia, c b sung t li u t qu
nhn ri, d phng bo him.
Bi thng chi tr tin bo him cho khch
hng khi g p ri ro tn tht thu c phm vi bo
him; chi trch l p cc loi d phng; Chi
phng hn ch tn tht; n p thu; chi qun l
v c li nhu n.
c xc nh bng s tng i cn c c xc nh l s tuy t i, trn c s xc
ch yu vo tin cng, tin lng ca ngi sut ri ro ca i tng tham gia, phm vi bo
lao ng v qu lng ca ch s dng lao him, STBH, gi tr bo him...
ng tham gia bo him.
thng do 1 t chc ca CP m nh n. Cc doanh nghip bo him t ng ra kinh
VD: b Lao ng thng binh x hi
doanh theo lut php Vit Nam
- Mang tnh cht tng h nhiu hn
- Mang tnh cht kinh doanh
- Bt buc theo php lut
- T nguyn

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ngoi tr trng hp c s tha thun bng vn bn gia 2 bn rng vic ngi c bo him chp nhn

cc khon thanh ton tin bi thng ca ngi bo him l iu kin ngi bo him c th thay mt
ngi c bo him khi kin bn th ba i bi hon trong phm vi s tin tr.

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Cu 14: Phn tch cc nguyn tc ca bo him
Tr li:
1. Bo him i vi ri ro mang tnh ngu nhin.
- Ri ro bo him l nhng e do nguy him m con ngi khng lng trc c, l
nguyn nhn gy nn tn tht cho i tng bo him
- Cng ty bo him ch nhn bo him cho nhng s c, tai nn, tai ho, xy ra mt cch bt
ng, ngu nhin, ngoi mun ca con ngi ch khng bo him cho nhng ri ro chc chn xy
ra, ng nhin xy ra, c th lng trc c.
2. Nguyn tc ly s ng b tr s t:
Khng phi ai tham gia bo him cng gp ri ro v s tin bo him ch c chi tr cho
nhng ai gp nhng s kin c xc nh trong hp ng bo him.
Nguyn tc ny th hin trong phng thc kinh doanh ca doanh nghip bo him.
3. Nguyn tc chn lc v phn tn ri ro:
Xut pht t tnh an ton trong kinh doanh bo him, cc doanh nghip bo him thng
chn lc v i tng bo him, phm vi bo him, t chi nhng kh nng ri ro ln. Ngoi ra, cc
doanh nghip bo him thng tin hnh phn tn ri ro di cc hnh thc nh: ng bo him, ti
bo him
4. Nguyn tc n b:
- Ngi bo him phi bi thng khi phc li kh nng ti chnh ban u cho ngi
c bo him ngay sau khi tn tht xy ra, khng hn khng kem.
+ Kh nng ti chnh ban u: V hoc A
+ Ngay sau khi: ph thuc vo thi hn khiu ni quy nh. Thng l trong 30 ngy, cng ty
bo him phi c phn hi. Hin nay do cnh tranh, thi hn ny c th ch cn 15 ngy.
+ Khng hn khng kem:
+ Bi thng y
+ Trnh trc li bo him.
5. Nguyn tc trung thc tuyt i (utmost good faith)
- Ngi bo him v ngi c bo him phi tuyt i trung thc vi nhau, tin tng ln
nhau, khng c la di nhau. Nu mt trong hai bn vi phm th hp ng bo him khng c
hiu lc:
- Ngi bo him phi cng khai tuyn b cc iu kin, nguyn tc, th l, gi c bo him
cho ngi c bo him bit; khng c nhn bo him khi bit i tng bo him n ni
an ton.
- Ngi c bo him phi khai bo chnh xc cc chi tit c lin quan n i tng bo
him; phi thng bo kp thi nhng thay i c lin quan n i tng bo him, v ri ro, v
nhng mi e do nguy him hay lm tng thm ri ro m mnh bit c hoc ng l phi bit
c cho ngi bo him; khng c mua bo him khi bit i tng bo him b tn tht
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Cu 15: So snh kinh doanh bo him vi kinh doanh tin t
Tr li:
* im ging nhau:
- u l nhng hot ng kinh doanh c iu kin;
- i tng kinh doanh l tin t.
- Thu ht vn nhn ri trong dn.
* im khc nhau:
Tiu ch
Ch th

Kinh doanh bo him

Doanh nghip bo him v cc ch th khc

Kinh doanh tin t

Ngn hng thng mi.

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nh: Doanh nghip mi gii bo him, i
l bo him, cc t chc gim nh.v.v
Hnh
thc Thu tin v v tip tc u t
kinh doanh
Hng ha
Mua li ri ro v chi tr cho ri ro. Ri ro
cng thp th li cng cao
Mc ch
Sinh li; to ra li ch, an ton cho x hi
v cng ng.
Nguyn
tc Ly s ng b tr s t
kinh doanh

Nhn tin gi em cho vay

Vay v cho vay tin t. Quay vng tin t cng
ln th li cng cao.
Sinh li
Vay tin li sut thp, cho vay li sut cao

____________)0(____________
Cu 16: So snh vic thu hi giy php ca doanh nghip kinh doanh bo him vi doanh
nghip thng thng.
Tr li:
* im ging nhau:
- Vic thu hi giy phep c thc hin khi doanh nghip vi phm mt hoc mt s cc quy
nh ca nh nc v cp, thu hi giy phep i vi doanh nghip ;
- Doanh nghip phi ngng hot ng sau khi giy phep b thu hi.
* im khc nhau:
Tiu ch
Trnh t, th
tc
Hu qu php
l sau khi b
thu hi

Doanh nghip thng thng

C quan ng k kinh doanh ra quyt nh
thu hi giy phep
Phi gii th v b xa tn trong s ng k
kinh doanh sau 6 thng k t ngy b thu
hi giy phep.

Doanh nghip KD bo him

B Ti chnh ra quyt nh thu hi v cng b
trn cc phng tin thng tin i chng
Phi nh ch ngay vic giao kt hp ng bo
him mi, nhng vn c trch nhim tr tin bo
him cho ngi th hng hoc bi thng cho
ngi c bo him v phi thc hin cc hp
ng bo him giao kt trc ngy b thu hi
giy phep thnh lp v hot ng.

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Cu 17: Phn bit vic gii th doanh nghip kinh doanh bo him vi doanh nghip thng
thng.
Tr li:
Tiu ch
Doanh nghip thng thng
Doanh nghip KD bo him
Trnh t, th Thng qua quyt nh gii th; trong vng 7 Gi vn bn xin gii th ln B Ti chnh v ch
tc
ngy lm vic phi gi n c quan KKD. c gii th khi c chp thun bng vn bn
(iu 82 Lut KDBH)
Rng
buc Thanh ton cc khon n v cc ngha v Ngng giao kt hp ng bo him mi, thanh
php l khi ti chnh khc.
ton hoc ti bo him cc hp ng d dang;
tin hnh gii
thanh ton cc khon n v cc ngha v ti
th
chnh khc.

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Cu 18: So snh cc loi hp ng: Bo him con ngi, Bo him trch nhim dn s v
Bo him ti sn.
Tr li:
* im ging nhau:

10
- Hp ng l mt tha thun gia hai bn nhm rng buc nhau v mt php l. Mt bn
a ra ngh v bn kia chp nhn theo cng iu khon. Trong hp ng bo him, mt bn thanh
ton (hoc cam kt thanh ton) ph bo him v bn cn li cam kt bi thng trong nhng trng
hp theo tha thun.
- Theo iu 507 B Lut Dn s, hp ng bo him l s tha thun gia cc bn; theo
bn mua bo him phi ng ph bo him v bn bo him phi tr mt khon tin bo him cho
bn c bo him khi c s kin bo him xy ra.
- Theo iu 12 Lut Kinh doanh Bo him th Hp ng bo him l s tho thun gia bn
mua bo him v doanh nghip bo him, theo bn mua bo him phi ng ph bo him, doanh
nghip bo him phi tr tin bo him cho ngi th hng hoc bi thng cho ngi c bo
him khi xy ra s kin bo him.
Qua hai quy nh trn cho thy Lut Kinh doanh Bo him m rng i tng c nhn
tin bo him n ngi th hng v ni dung ny c th hin ro net nht cc hp ng bo
him con ngi.
* im khc nhau:
Tiu ch
i
tng
S tin
bo
him
Thi
hn
Nguyn
tc
Hnh
thc bi
thng

Hp ng
bo him con ngi
Tnh mng, tui th con ngi;
sc khe v tai nn con ngi.
c quy nh theo tha thun
trong hp ng

Hp ng bo him
trch nhim dn s
L trch nhim dn s i vi
ngi th ba b thit hi
c quy nh theo tha thun
trong hp ng

Hp ng bo him ti sn

Ngn, trung hoc di hn

01 nm

Khng c p dng nguyn

tc th quyn trong bo him
con ngi (tr bo him chi
ph y t)
Ch yu bng tin

Trch nhim bo him pht sinh

khi ngi th ba yu cu ngi
tham gia bo him bi thng.

p dng nguyn tc th quyn

trong bo him ti sn

Ch yu bng tin

C nhiu hnh thc, bao gm

c vic sa cha ti sn, thay
th ti sn b tn tht bng ti
sn khc hoc chi tr bng tin
mt.

L ti sn, bao gm: Vt c

thc, tin, giy t c gi
L s tin m bn mua bo
him yu cu bo him cho ti
sn c bo him nhng
khng vt qu gi tr thc t
ca ti sn
01 nm

____________)0(____________
CU HI NHN NH
Cu 1: Thi gian giao kt hp ng chnh l thi gian hp ng c hiu lc.
- Sai, v thng thng sau khi k hp ng, cc doanh nghip bo him cn a ra thi hn
t do xem xet. Trong thi gian ny, ngi tham gia c th hy b hp ng, thay i hnh thc,
mc ph.v.v.
Cu 2: Khi thay i ngi th hng th bt buc phi c s ng ca ngi c bo
him.
- ng, v ngi th hng l do ngi mua bo him, ngi c bo him ch nh. Nn
khi c s thay i ngi th hng th bt buc phi c s ng ca ngi ch nh cho phep th
hng.

11
Cu 3: Doanh nghip bo him c quyn n phng chm dt hp ng nu ngi mua
bo him khng ng ph bo him.
- Sai, v ngi mua bo him c th khng ng ph trong thi gian suy ngh hoc trong thi
gian 60 ngy ca ln ng ph bo him tip theo ca ngi mua bo him ng ph nhiu ln.