VN PHNG QUC HI CNG HA X HI CH NGHA VIT NAM

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S: 12/VBHN-VPQH H Ni, ngy 23 thng 07 nm 2013

LUT

KINH DOANH BO HIM

Lut kinh doanh bo him s 24/2000/QH10 ngy 09 thng 12 nm 2000 ca Quc hi, c hiu lc k t ngy
01 thng 4 nm 2001, c sa i, b sung bi:

Lut s 61/2010/QH12 ngy 24 thng 11 nm 2010 ca Quc hi sa i, b sung mt s iu ca Lut kinh

doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

bo v quyn v li ch hp php ca t chc, c nhn tham gia bo him; y mnh hot ng kinh doanh
bo him; gp phn thc y v duy tr s pht trin bn vng ca nn kinh t - x hi, n nh i sng nhn
dn; tng cng hiu lc qun l nh nc i vi hot ng kinh doanh bo him;

Cn c vo Hin php nc Cng ha x hi ch ngha Vit Nam nm 1992;

Lut ny quy nh v kinh doanh bo him1.

Chng 1.

NHNG QUY NH CHUNG

iu 1. Phm vi iu chnh

1. Lut ny iu chnh t chc v hot ng kinh doanh bo him, xc nh quyn v ngha v ca t chc, c
nhn tham gia bo him.

2. Lut ny khng p dng i vi bo him x hi, bo him y t, bo him tin gi v cc loi bo him khc
do Nh nc thc hin khng mang tnh kinh doanh.

iu 2. p dng Lut kinh doanh bo him, php lut c lin quan, iu c quc t, tp qun quc t

1. T chc v hot ng kinh doanh bo him trn lnh th Cng ha x hi ch ngha Vit Nam phi tun th
quy nh ca Lut ny v cc quy nh khc ca php lut c lin quan.

2. Trong trng hp iu c quc t m Cng ha x hi ch ngha Vit Nam k kt hoc tham gia c quy
nh khc vi quy nh ca Lut ny th p dng quy nh ca iu c quc t .

3. Cc bn tham gia bo him c th tha thun p dng tp qun quc t, nu tp qun khng tri vi php
lut Vit Nam.

iu 3. Gii thch t ng

Trong Lut ny, cc t ng di y c hiu nh sau:

1. Kinh doanh bo him l hot ng ca doanh nghip bo him nhm mc ch sinh li, theo doanh nghip
bo him chp nhn ri ro ca ngi c bo him, trn c s bn mua bo him ng ph bo him doanh
nghip bo him tr tin bo him cho ngi th hng hoc bi thng cho ngi c bo him khi xy ra s
kin bo him.

2. Kinh doanh ti bo him l hot ng ca doanh nghip bo him nhm mc ch sinh li, theo doanh
nghip bo him nhn mt khon ph bo him ca doanh nghip bo him khc cam kt bi thng cho cc
trch nhim nhn bo him.

3. Hot ng i l bo him l hot ng gii thiu, cho bn bo him, thu xp vic giao kt hp ng bo
him v cc cng vic khc nhm thc hin hp ng bo him theo y quyn ca doanh nghip bo him.

4. Hot ng mi gii bo him l vic cung cp thng tin, t vn cho bn mua bo him v sn phm bo
him, iu kin bo him, mc ph bo him, doanh nghip bo him v cc cng vic lin quan n vic m
phn, thu xp v thc hin hp ng bo him theo yu cu ca bn mua bo him.

5. Doanh nghip bo him l doanh nghip c thnh lp, t chc v hot ng theo quy nh ca Lut ny v
cc quy nh khc ca php lut c lin quan kinh doanh bo him, ti bo him.

6. Bn mua bo him l t chc, c nhn giao kt hp ng bo him vi doanh nghip bo him v ng ph

bo him. Bn mua bo him c th ng thi l ngi c bo him hoc ngi th hng.

7. 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.

8. Ngi th hng l t chc, c nhn c bn mua bo him ch nh nhn tin bo him theo hp ng
bo him con ngi.

9. Quyn li c th c bo him l quyn s hu, quyn chim hu, quyn s dng, quyn ti sn; quyn,
ngha v nui dng, cp dng i vi i tng c bo him.

10. S kin bo him l s kin khch quan do cc bn tha thun hoc php lut quy nh m khi s kin
xy ra th doanh nghip bo him phi tr tin bo him cho ngi th hng hoc bi thng cho ngi c
bo him.

11. Ph bo him l khon tin m bn mua bo him phi ng cho doanh nghip bo him theo thi hn v
phng thc do cc bn tha thun trong hp ng bo him.

12. Bo him nhn th l loi nghip v bo him cho trng hp ngi c bo him sng hoc cht.

13. Bo him sinh k l nghip v bo him cho trng hp ngi c bo him sng n mt thi hn nht
nh, theo doanh nghip bo him phi tr tin bo him cho ngi th hng, nu ngi c bo him vn
sng n thi hn c tha thun trong hp ng bo him.

14. Bo him t k l nghip v bo him cho trng hp ngi c bo him cht trong mt thi hn nht
nh, theo doanh nghip bo him phi tr tin bo him cho ngi th hng, nu ngi c bo him
cht trong thi hn c tha thun trong hp ng bo him.

15. Bo him hn hp l nghip v bo him kt hp bo him sinh k v bo him t k.

16. Bo him trn i l nghip v bo him cho trng hp ngi c bo him cht vo bt k thi im
no trong sut cuc i ca ngi .

17. Bo him tr tin nh k l nghip v bo him cho trng hp ngi c bo him sng n mt thi
hn nht nh; sau thi hn doanh nghip bo him phi tr tin bo him nh k cho ngi th hng theo
tha thun trong hp ng bo him.

18. Bo him phi nhn th l loi nghip v bo him ti sn, trch nhim dn s v cc nghip v bo him
khc khng thuc bo him nhn th.

19. 2 Bo him hu tr l nghip v bo him cho trng hp ngi c bo him t n tui xc nh

c doanh nghip bo him tr tin bo him theo tha thun trong hp ng bo him.

20.3 Bo him sc khe l loi hnh bo him cho trng hp ngi c bo him b thng tt, tai nn, m
au, bnh tt hoc chm sc sc khe c doanh nghip bo him tr tin bo him theo tha thun trong hp
ng bo him.

iu 4. Bo m ca Nh nc i vi kinh doanh bo him

1. Nh nc bo h quyn, li ch hp php ca cc t chc, c nhn tham gia bo him v cc t chc kinh

doanh bo him.

2. Nh nc u t vn v cc ngun lc khc doanh nghip nh nc kinh doanh bo him pht trin, gi

vai tr ch o trn th trng bo him.

3. Nh nc c chnh sch pht trin th trng bo him Vit Nam, chnh sch u i i vi cc nghip v
bo him phc v mc tiu pht trin kinh t - x hi, c bit l chng trnh pht trin nng nghip, lm
nghip, ng nghip.

iu 5. Hp tc quc t trong lnh vc kinh doanh bo him

Nh nc thng nht qun l, c chnh sch m rng hp tc quc t trong lnh vc kinh doanh bo him trn
c s tn trng c lp, ch quyn, bnh ng, cng c li theo hng a phng ha, a dng ha; khuyn
khch cc doanh nghip bo him, doanh nghip mi gii bo him nc ngoi thu ht cc nh u t nc
ngoi u t vn vo Vit Nam v ti u t li nhun thu c t hot ng kinh doanh bo him phc v
cng cuc pht trin kinh t - x hi Vit Nam; to iu kin doanh nghip bo him, doanh nghip mi
gii bo him tng cng hp tc vi nc ngoi nhm nng cao hiu qu kinh doanh bo him.

iu 6. Nhng nguyn tc c bn trong hot ng bo him

1. 4 T chc, c nhn c nhu cu bo him ch c tham gia bo him ti doanh nghip bo him hot ng ti
Vit Nam; doanh nghip c vn u t nc ngoi, ngi nc ngoi lm vic ti Vit Nam c nhu cu bo
him c la chn tham gia bo him ti doanh nghip bo him hot ng ti Vit Nam hoc s dng dch v
bo him qua bin gii.

2. Doanh nghip bo him phi bo m cc yu cu v ti chnh thc hin cc cam kt ca mnh i vi bn

mua bo him.

iu 7. Cc loi nghip v bo him5

1. Bo him nhn th bao gm:

a) Bo him trn i;

b) Bo him sinh k;

c) Bo him t k;

d) Bo him hn hp;

) Bo him tr tin nh k;

e) Bo him lin kt u t;

g) Bo him hu tr.

2. Bo him phi nhn th bao gm:

a) Bo him ti sn v bo him thit hi;

b) Bo him hng ha vn chuyn ng b, ng bin, ng thy ni a, ng st v ng hng khng;

c) Bo him hng khng;

d) Bo him xe c gii;

) Bo him chy, n;

e) Bo him thn tu v trch nhim dn s ca ch tu;

g) Bo him trch nhim;

h) Bo him tn dng v ri ro ti chnh;

i) Bo him thit hi kinh doanh;

k) Bo him nng nghip.

3. Bo him sc khe bao gm:

a) Bo him tai nn con ngi;

b) Bo him y t;

c) Bo him chm sc sc khe.

4. Cc nghip v bo him khc do Chnh ph quy nh.

5. B Ti chnh quy nh Danh mc sn phm bo him.

iu 8. Bo him bt buc
1. Bo him bt buc l loi bo him do php lut quy nh v iu kin bo him, mc ph bo him, s tin
bo him ti thiu m t chc, c nhn tham gia bo him v doanh nghip bo him c ngha v thc hin.

Bo him bt buc ch p dng i vi mt s loi bo him nhm mc ch bo v li ch cng cng v an

ton x hi.

2. Bo him bt buc bao gm:

a) 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;

b) Bo him trch nhim ngh nghip i vi hot ng t vn php lut;

c) Bo him trch nhim ngh nghip ca doanh nghip mi gii bo him;

d) Bo him chy, n.

3. Cn c vo nhu cu pht trin kinh t - x hi tng thi k, Chnh ph trnh y ban thng v Quc hi quy
nh loi bo him bt buc khc.

iu 9. Ti bo him6

Doanh nghip bo him c th ti bo him cho doanh nghip bo him khc, bao gm c doanh nghip bo
him nc ngoi, t chc nhn ti bo him nc ngoi. Doanh nghip bo him nc ngoi, t chc nhn ti
bo him nc ngoi phi t h s tn nhim theo xp hng ca cng ty nh gi tn nhim quc t do B Ti
chnh quy nh.

iu 10. Hp tc, cnh tranh v u thu trong kinh doanh bo him7

1. Doanh nghip bo him, doanh nghip mi gii bo him c hp tc trong vic ti bo him, ng bo
him, gim nh tn tht, gii quyt quyn li bo him, phng v hn ch tn tht, pht trin ngun nhn
lc, pht trin sn phm bo him, o to v qun l i l bo him, chia s thng tin qun tr ri ro.

2. Doanh nghip bo him c cnh tranh v iu kin, phm vi, mc trch nhim, mc ph, cht lng dch
v, nng lc bo him v nng lc ti chnh.

Vic cnh tranh phi theo quy nh ca php lut v cnh tranh v bo m an ton ti chnh ca doanh nghip
bo him; mc ph bo him phi ph hp vi iu kin, phm vi, mc trch nhim bo him.

3. D n s dng vn nh nc, ti sn thuc s hu nh nc hoc ca doanh nghip nh nc phi thc hin

u thu v iu kin, phm vi, mc trch nhim, mc ph, cht lng dch v, nng lc bo him v nng lc
ti chnh ca doanh nghip bo him.

Vic u thu phi bo m cng khai, minh bch theo quy nh ca Lut ny v php lut v u thu.

4. Nghim cm cc hnh vi sau y:

a) Cu kt gia cc doanh nghip bo him hoc gia doanh nghip bo him vi bn mua bo him nhm phn
chia th trng bo him, khp kn dch v bo him;

b) Can thip tri php lut vo vic la chn doanh nghip bo him;
c) Li dng chc v, quyn hn ch nh, yu cu, p buc, ngn cn t chc, c nhn tham gia bo him;

d) Thng tin, qung co sai s tht v ni dung, phm vi hot ng, iu kin bo him, lm tn hi n quyn,
li ch hp php ca bn mua bo him;

) Tranh ginh khch hng di cc hnh thc ngn cn, li ko, mua chuc, e da nhn vin hoc khch hng
ca doanh nghip bo him, i l bo him, doanh nghip mi gii bo him khc;

e) Khuyn mi bt hp php;

g) Hnh vi bt hp php khc trong hp tc, cnh tranh v u thu.

iu 11. Quyn tham gia cc t chc x hi - ngh nghip v kinh doanh bo him

Doanh nghip bo him, i l bo him, doanh nghip mi gii bo him c tham gia cc t chc x hi -
ngh nghip v kinh doanh bo him nhm mc ch pht trin th trng bo him, bo v quyn, li ch hp
php ca thnh vin theo quy nh ca php lut.

Chng 2.

HP NG BO HIM

Mc 1. QUY NH CHUNG V HP NG BO HIM

iu 12. Hp ng bo him

1. Hp ng bo him l s tha 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.

2. Cc loi hp ng bo him bao gm:

a) Hp ng bo him con ngi;

b) Hp ng bo him ti sn;

c) Hp ng bo him trch nhim dn s.

3. Hp ng bo him hng hi c p dng theo quy nh ca B lut hng hi; i vi nhng vn m B

lut hng hi khng quy nh th p dng theo quy nh ca Lut ny.

4. Nhng vn lin quan n hp ng bo him khng quy nh trong Chng ny c p dng theo quy
nh ca B lut dn s v cc quy nh khc ca php lut c lin quan.

iu 13. Ni dung ca hp ng bo him

1. Hp ng bo him phi c nhng ni dung sau y:

a) Tn, a ch ca doanh nghip bo him, bn mua bo him, ngi c bo him hoc ngi th hng;

b) i tng bo him;
c) S tin bo him, gi tr ti sn c bo him i vi bo him ti sn;

d) Phm vi bo him, iu kin bo him, iu khon bo him;

) iu khon loi tr trch nhim bo him;

e) Thi hn bo him;

g) Mc ph bo him, phng thc ng ph bo him;

h) Thi hn, phng thc tr tin bo him hoc bi thng;

i) Cc quy nh gii quyt tranh chp;

k) Ngy, thng, nm giao kt hp ng.

2. Ngoi nhng ni dung quy nh ti khon 1 iu ny, hp ng bo him c th c cc ni dung khc do cc

bn tha thun.

iu 14. Hnh thc hp ng bo him

Hp ng bo him phi c lp thnh vn bn.

Bng chng giao kt hp ng bo him l giy chng nhn bo him, n bo him, in bo, telex, fax v cc
hnh thc khc do php lut quy nh.

iu 15. Thi im pht sinh trch nhim bo him8

Trch nhim bo him pht sinh khi c mt trong nhng trng hp sau y:

1. Hp ng bo him c giao kt v bn mua bo him ng ph bo him.

2. Hp ng bo him c giao kt, trong c tha thun gia doanh nghip bo him v bn mua bo
him v vic bn mua bo him n ph bo him.

3. C bng chng v vic hp ng bo him c giao kt v bn mua bo him ng ph bo him.

iu 16. iu khon loi tr trch nhim bo him

1. iu khon loi tr trch nhim bo him quy nh trng hp doanh nghip bo him khng phi bi
thng hoc khng phi tr tin bo him khi xy ra s kin bo him.

2. iu khon loi tr trch nhim bo him phi c quy nh r trong hp ng bo him. Doanh nghip bo
him phi gii thch r cho bn mua bo him khi giao kt hp ng.

3. Khng p dng iu khon loi tr trch nhim bo him trong cc trng hp sau y:

a) Bn mua bo him vi phm php lut do v ;

b) Bn mua bo him c l do chnh ng trong vic chm thng bo cho doanh nghip bo him v vic xy ra
s kin bo him.
iu 17. Quyn v ngha v ca doanh nghip bo him

1. Doanh nghip bo him c quyn:

a) Thu ph bo him theo tha thun trong hp ng bo him;

b) Yu cu bn mua bo him cung cp y , trung thc thng tin lin quan n vic giao kt v thc hin
hp ng bo him;

c) n phng nh ch thc hin hp ng bo him theo quy nh ti khon 2 iu 19, khon 2 iu 20,
khon 2 iu 35 v khon 3 iu 50 ca Lut ny;

d) T chi tr tin bo him cho ngi th hng hoc t chi bi thng cho ngi c bo him trong
trng hp khng thuc phm vi trch nhim bo him hoc trng hp loi tr trch nhim bo him theo
tha thun trong hp ng bo him;

) Yu cu bn mua bo him p dng cc bin php phng, hn ch tn tht theo quy nh ca Lut ny v
cc quy nh khc ca php lut c lin quan;

e) Yu cu ngi th ba bi hon s tin bo him m doanh nghip bo him bi thng cho ngi c
bo him do ngi th ba gy ra i vi ti sn v trch nhim dn s;

g) Cc quyn khc theo quy nh ca php lut.

2. Doanh nghip bo him c ngha v:

a) Gii thch cho bn mua bo him v cc iu kin, iu khon bo him; quyn, ngha v ca bn mua bo
him;

b) Cp cho bn mua bo him giy chng nhn bo him, n bo him ngay sau khi giao kt hp ng bo
him;

c) Tr tin bo him kp thi cho ngi th hng hoc bi thng cho ngi c bo him khi xy ra s kin
bo him;

d) Gii thch bng vn bn l do t chi tr tin bo him hoc t chi bi thng;

) Phi hp vi bn mua bo him gii quyt yu cu ca ngi th ba i bi thng v nhng thit hi

thuc trch nhim bo him khi xy ra s kin bo him;

e) Cc ngha v khc theo quy nh ca php lut.

iu 18. Quyn v ngha v ca bn mua bo him

1. Bn mua bo him c quyn:

a) La chn doanh nghip bo him hot ng ti Vit Nam mua bo him;

b) Yu cu doanh nghip bo him gii thch cc iu kin, iu khon bo him; cp giy chng nhn bo
him hoc n bo him;
c) n phng nh ch thc hin hp ng bo him theo quy nh ti khon 3 iu 19, khon 1 iu 20 ca
Lut ny;

d) Yu cu doanh nghip bo him tr tin bo him cho ngi th hng hoc bi thng cho ngi c bo
him theo tha thun trong hp ng bo him khi xy ra s kin bo him;

) Chuyn nhng hp ng bo him theo tha thun trong hp ng bo him hoc theo quy nh ca php
lut;

e) Cc quyn khc theo quy nh ca php lut.

2. Bn mua bo him c ngha v:

a) ng ph bo him y , theo thi hn v phng thc tha thun trong hp ng bo him;

b) K khai y , trung thc mi chi tit c lin quan n hp ng bo him theo yu cu ca doanh nghip
bo him;

c) Thng bo nhng trng hp c th lm tng ri ro hoc lm pht sinh thm trch nhim ca doanh nghip
bo him trong qu trnh thc hin hp ng bo him theo yu cu ca doanh nghip bo him;

d) Thng bo cho doanh nghip bo him v vic xy ra s kin bo him theo tha thun trong hp ng bo
him;

) p dng cc bin php phng, hn ch tn tht theo quy nh ca Lut ny v cc quy nh khc ca php
lut c lin quan;

e) Cc ngha v khc theo quy nh ca php lut.

iu 19. Trch nhim cung cp thng tin

1. Khi giao kt hp ng bo him, doanh nghip bo him c trch nhim cung cp y thng tin lin quan
n hp ng bo him, gii thch cc iu kin, iu khon bo him cho bn mua bo him; bn mua bo
him c trch nhim cung cp y thng tin lin quan n i tng bo him cho doanh nghip bo him.
Cc bn chu trch nhim v tnh chnh xc, trung thc ca thng tin . Doanh nghip bo him c trch nhim
gi b mt v thng tin do bn mua bo him cung cp.

2. Doanh nghip bo him c quyn n phng nh ch thc hin hp ng bo him v thu ph bo him n
thi im nh ch thc hin hp ng bo him khi bn mua bo him c mt trong nhng hnh vi sau y:

a) C cung cp thng tin sai s tht nhm giao kt hp ng bo him c tr tin bo him hoc c
bi thng;

b) Khng thc hin cc ngha v trong vic cung cp thng tin cho doanh nghip bo him theo quy nh ti
im c khon 2 iu 18 ca Lut ny.

3. Trong trng hp doanh nghip bo him c cung cp thng tin sai s tht nhm giao kt hp ng bo
him th bn mua bo him c quyn n phng nh ch thc hin hp ng bo him; doanh nghip bo
him phi bi thng thit hi pht sinh cho bn mua bo him do vic cung cp thng tin sai s tht.

iu 20. Thay i mc ri ro c bo him

1. Khi c s thay i nhng yu t lm c s tnh ph bo him, dn n gim cc ri ro c bo him th
bn mua bo him c quyn yu cu doanh nghip bo him gim ph bo him cho thi gian cn li ca hp
ng bo him. Trong trng hp doanh nghip bo him khng chp nhn gim ph bo him th bn mua bo
him c quyn n phng nh ch thc hin hp ng bo him, nhng phi thng bo ngay bng vn bn
cho doanh nghip bo him.

2. Khi c s thay i nhng yu t lm c s tnh ph bo him, dn n tng cc ri ro c bo him th

doanh nghip bo him c quyn tnh li ph bo him cho thi gian cn li ca hp ng bo him. Trong
trng hp bn mua bo him khng chp nhn tng ph bo him th doanh nghip bo him c quyn n
phng nh ch thc hin hp ng bo him, nhng phi thng bo ngay bng vn bn cho bn mua bo
him.

iu 21. Gii thch hp ng bo him

Trong trng hp hp ng bo him c iu khon khng r rng th iu khon c gii thch theo
hng c li cho bn mua bo him.

iu 22. Hp ng bo him v hiu

1. Hp ng bo him v hiu trong cc trng hp sau y:

a) Bn mua bo him khng c quyn li c th c bo him;

b) Ti thi im giao kt hp ng bo him, i tng bo him khng tn ti;

c) Ti thi im giao kt hp ng bo him, bn mua bo him bit s kin bo him xy ra;

d) Bn mua bo him hoc doanh nghip bo him c hnh vi la di khi giao kt hp ng bo him;

) Cc trng hp khc theo quy nh ca php lut.

2. Vic x l hp ng bo him v hiu c thc hin theo quy nh ca B lut dn s v cc quy nh khc
ca php lut c lin quan.

iu 23. Chm dt hp ng bo him

Ngoi cc trng hp chm dt hp ng theo quy nh ca B lut dn s, hp ng bo him cn chm dt

trong cc trng hp sau y:

1. Bn mua bo him khng cn quyn li c th c bo him.

2. Bn mua bo him khng ng ph bo him hoc khng ng ph bo him theo thi hn tha thun
trong hp ng bo him, tr trng hp cc bn c tha thun khc.

3. Bn mua bo him khng ng ph bo him trong thi gian gia hn ng ph bo him theo tha thun
trong hp ng bo him.

iu 24. Hu qu php l ca vic chm dt hp ng bo him

1. Trong trng hp chm dt hp ng bo him theo quy nh ti khon 1 iu 23 ca Lut ny, doanh
nghip bo him phi hon li ph bo him cho bn mua bo him tng ng vi thi gian cn li ca hp
ng bo him m bn mua bo him ng ph bo him, sau khi tr cc chi ph hp l c lin quan n
hp ng bo him.

2. Trong trng hp chm dt hp ng bo him theo quy nh ti khon 2 iu 23 ca Lut ny, bn mua
bo him vn phi ng ph bo him n thi im chm dt hp ng bo him. Quy nh ny khng p
dng i vi hp ng bo him con ngi.

3. Trong trng hp chm dt hp ng bo him theo quy nh ti khon 3 iu 23 ca Lut ny, doanh
nghip bo him vn phi chu trch nhim bi thng cho ngi c bo him khi s kin bo him xy ra
trong thi gian gia hn ng ph; bn mua bo him vn phi ng ph bo him cho n ht thi gian gia hn
theo tha thun trong hp ng bo him. Quy nh ny khng p dng i vi hp ng bo him con ngi.

4. Hu qu php l ca vic chm dt hp ng bo him trong cc trng hp khc c thc hin theo quy
nh ca B lut dn s v cc quy nh khc ca php lut c lin quan.

iu 25. Sa i, b sung hp ng bo him

1. Bn mua bo him v doanh nghip bo him c th tha thun sa i, b sung ph bo him, iu kin,
iu khon bo him, tr trng hp php lut c quy nh khc.

2. Mi sa i, b sung hp ng bo him phi c lp thnh vn bn.

iu 26. Chuyn nhng hp ng bo him

1. Bn mua bo him c th chuyn nhng hp ng bo him theo tha thun trong hp ng bo him.

2. Vic chuyn nhng hp ng bo him ch c hiu lc trong trng hp bn mua bo him thng bo bng
vn bn cho doanh nghip bo him v vic chuyn nhng v doanh nghip bo him c vn bn chp thun
vic chuyn nhng , tr trng hp vic chuyn nhng c thc hin theo tp qun quc t.

iu 27. Trch nhim trong trng hp ti bo him

1. Doanh nghip bo him chu trch nhim duy nht i vi bn mua bo him theo hp ng bo him, k c
trong trng hp ti bo him nhng trch nhim nhn bo him.

2. Doanh nghip nhn ti bo him khng c yu cu bn mua bo him trc tip ng ph bo him cho
mnh, tr trng hp c tha thun khc trong hp ng bo him.

3. Bn mua bo him khng c yu cu doanh nghip nhn ti bo him tr tin bo him hoc bi thng
cho mnh, tr trng hp c tha thun khc trong hp ng bo him.

iu 28. Thi hn yu cu tr tin bo him hoc bi thng

1. Thi hn yu cu tr tin bo him hoc bi thng theo hp ng bo him l mt nm, k t ngy xy ra

s kin bo him. Thi gian xy ra s kin bt kh khng hoc tr ngi khch quan khc khng tnh vo thi
hn yu cu tr tin bo him hoc bi thng.

2. Trong trng hp bn mua bo him chng minh c rng bn mua bo him khng bit thi im xy ra
s kin bo him th thi hn quy nh ti khon 1 iu ny c tnh t ngy bn mua bo him bit vic xy
ra s kin bo him .
3. Trong trng hp ngi th ba yu cu bn mua bo him bi thng v nhng thit hi thuc trch nhim
bo him theo tha thun trong hp ng bo him th thi hn quy nh ti khon 1 iu ny c tnh t ngy
ngi th ba yu cu.

iu 29. Thi hn tr tin bo him hoc bi thng

Khi xy ra s kin bo him, doanh nghip bo him phi tr tin bo him hoc bi thng theo thi hn
tha thun trong hp ng bo him; trong trng hp khng c tha thun v thi hn th doanh nghip bo
him phi tr tin bo him hoc bi thng trong thi hn 15 ngy, k t ngy nhn c y h s hp l
v yu cu tr tin bo him hoc bi thng.

iu 30. Thi hiu khi kin

Thi hiu khi kin v hp ng bo him l ba nm, k t thi im pht sinh tranh chp.

Mc 2. HP NG BO HIM CON NGI

iu 31. i tng ca hp ng bo him con ngi

1. i tng ca hp ng bo him con ngi l tui th, tnh mng, sc khe v tai nn con ngi.

2. Bn mua bo him ch c th mua bo him cho nhng ngi sau y:

a) Bn thn bn mua bo him;

b) V, chng, con, cha, m ca bn mua bo him;

c) Anh, ch, em rut; ngi c quan h nui dng v cp dng;

d) Ngi khc, nu bn mua bo him c quyn li c th c bo him.

iu 32. S tin bo him

S tin bo him hoc phng thc xc nh s tin bo him c bn mua bo him v doanh nghip bo
him tha thun trong hp ng bo him.

iu 33. Cn c tr tin bo him tai nn, sc khe con ngi

1. Trong bo him tai nn con ngi, doanh nghip bo him phi tr tin bo him cho ngi th hng trong
phm vi s tin bo him, cn c vo thng tt thc t ca ngi c bo him v tha thun trong hp ng
bo him.

2. Trong bo him sc khe con ngi, doanh nghip bo him phi tr tin bo him cho ngi c bo him
trong phm vi s tin bo him, cn c vo chi ph khm bnh, cha bnh, phc hi sc khe ca ngi c
bo him do bnh tt hoc tai nn gy ra v tha thun trong hp ng bo him.

iu 34. Thng bo tui trong bo him nhn th

1. Bn mua bo him c ngha v thng bo chnh xc tui ca ngi c bo him vo thi im giao kt
hp ng bo him lm c s tnh ph bo him.
2. Trong trng hp bn mua bo him thng bo sai tui ca ngi c bo him, nhng tui ng ca ngi
c bo him khng thuc nhm tui c th c bo him th doanh nghip bo him c quyn hy b hp
ng bo him v hon tr s ph bo him ng cho bn mua bo him sau khi tr cc chi ph hp l c
lin quan. Trong trng hp hp ng bo him c hiu lc t hai nm tr ln th doanh nghip bo him
phi tr cho bn mua bo him gi tr hon li ca hp ng bo him.

3. Trong trng hp bn mua bo him thng bo sai tui ca ngi c bo him lm gim s ph bo him
phi ng, nhng tui ng ca ngi c bo him vn thuc nhm tui c th c bo him th doanh
nghip bo him c quyn:

a) Yu cu bn mua bo him ng ph bo him b sung tng ng vi s tin bo him tha thun trong
hp ng;

b) Gim s tin bo him tha thun trong hp ng bo him tng ng vi s ph bo him ng.

4. Trong trng hp bn mua bo him thng bo sai tui ca ngi c bo him dn n tng s ph bo
him phi ng, nhng tui ng ca ngi c bo him vn thuc nhm tui c th c bo him th
doanh nghip bo him phi hon tr cho bn mua bo him s ph bo him vt tri ng hoc tng s tin
bo him tha thun trong hp ng bo him tng ng vi s ph bo him ng.

iu 35. ng ph bo him nhn th

1. Bn mua bo him c th ng ph bo him mt ln hoc nhiu ln theo thi hn, phng thc tha thun
trong hp ng bo him.

2. Trong trng hp ph bo him c ng nhiu ln v bn mua bo him ng mt hoc mt s ln ph

bo him nhng khng th ng c cc khon ph bo him tip theo th sau thi hn 60 ngy, k t ngy gia
hn ng ph, doanh nghip bo him c quyn n phng nh ch thc hin hp ng, bn mua bo him
khng c quyn i li khon ph bo him ng nu thi gian ng ph bo him di hai nm, tr
trng hp cc bn c tha thun khc.

3. Trong trng hp bn mua bo him ng ph bo him t hai nm tr ln m doanh nghip bo him n

phng nh ch thc hin hp ng theo quy nh ti khon 2 iu ny th doanh nghip bo him phi tr cho
bn mua bo him gi tr hon li ca hp ng bo him, tr trng hp cc bn c tha thun khc.

4. Cc bn c th tha thun khi phc hiu lc hp ng bo him b n phng nh ch thc hin theo
quy nh ti khon 2 iu ny trong thi hn hai nm, k t ngy b nh ch v bn mua bo him ng s
ph bo him cn thiu.

iu 36. Khng c khi kin i ng ph bo him

Trong bo him con ngi, nu bn mua bo him khng ng hoc ng khng ph bo him th doanh
nghip bo him khng c khi kin i bn mua bo him ng ph bo him.

iu 37. Khng c yu cu ngi th ba bi hon

Trong trng hp ngi c bo him cht, b thng tt hoc au m do hnh vi trc tip hoc gin tip ca
ngi th ba gy ra, doanh nghip bo him vn c ngha v tr tin bo him m khng c quyn yu cu
ngi th ba bi hon khon tin m doanh nghip bo him tr cho ngi th hng. Ngi th ba phi
chu trch nhim bi thng cho ngi c bo him theo quy nh ca php lut.
iu 38. Giao kt hp ng bo him con ngi cho trng hp cht

1. Khi bn mua bo him giao kt hp ng bo him con ngi cho trng hp cht ca ngi khc th phi
c ngi ng bng vn bn, trong ghi r s tin bo him v ngi th hng.

Mi trng hp thay i ngi th hng phi c s ng bng vn bn ca bn mua bo him.

2. Khng c giao kt hp ng bo him con ngi cho trng hp cht ca nhng ngi sau y:

a) Ngi di 18 tui, tr trng hp cha, m hoc ngi gim h ca ngi ng bng vn bn;

b) Ngi ang mc bnh tm thn.

iu 39. Cc trng hp khng tr tin bo him

1. Doanh nghip bo him khng phi tr tin bo him trong cc trng hp sau y:

a) Ngi c bo him cht do t t trong thi hn hai nm, k t ngy np khon ph bo him u tin hoc
k t ngy hp ng bo him tip tc c hiu lc;

b) Ngi c bo him cht hoc b thng tt vnh vin do li c ca bn mua bo him hoc li c ca
ngi th hng;

c) Ngi c bo him cht do b thi hnh n t hnh.

2. Trong trng hp mt hoc mt s ngi th hng c gy ra ci cht hay thng tt vnh vin cho ngi
c bo him, doanh nghip bo him vn phi tr tin bo him cho nhng ngi th hng khc theo tha
thun trong hp ng bo him.

3. Trong nhng trng hp quy nh ti khon 1 iu ny, doanh nghip bo him phi tr cho bn mua bo
him gi tr hon li ca hp ng bo him hoc ton b s ph bo him ng sau khi tr cc chi ph
hp l c lin quan; nu bn mua bo him cht th s tin tr li c gii quyt theo quy nh ca php lut v
tha k.

Mc 3. HP NG BO HIM TI SN

iu 40. i tng ca hp ng bo him ti sn

i tng ca hp ng bo him ti sn l ti sn, bao gm vt c thc, tin, giy t tr gi c bng tin v

cc quyn ti sn.

iu 41. S tin bo him

S tin bo him l s tin m bn mua bo him yu cu bo him cho ti sn .

iu 42. Hp ng bo him ti sn trn gi tr

1. Hp ng bo him ti sn trn gi tr l hp ng trong s tin bo him cao hn gi th trng ca ti

sn c bo him ti thi im giao kt hp ng. Doanh nghip bo him v bn mua bo him khng c
giao kt hp ng bo him ti sn trn gi tr.
2. Trong trng hp hp ng bo him ti sn trn gi tr c giao kt do li v ca bn mua bo him,
doanh nghip bo him phi hon li cho bn mua bo him s ph bo him ng tng ng vi s tin bo
him vt qu gi th trng ca ti sn c bo him, sau khi tr cc chi ph hp l c lin quan. Trong
trng hp xy ra s kin bo him, doanh nghip bo him ch chu trch nhim bi thng thit hi khng
vt qu gi th trng ca ti sn c bo him.

iu 43. Hp ng bo him ti sn di gi tr

1. Hp ng bo him ti sn di gi tr l hp ng trong s tin bo him thp hn gi th trng ca ti

sn c bo him ti thi im giao kt hp ng.

2. Trong trng hp hp ng bo him ti sn di gi tr c giao kt, doanh nghip bo him ch chu trch
nhim bi thng theo t l gia s tin bo him v gi th trng ca ti sn c bo him ti thi im giao
kt hp ng.

iu 44. Hp ng bo him trng

1. Hp ng bo him trng l trng hp bn mua bo him giao kt hp ng bo him vi hai doanh nghip
bo him tr ln bo him cho cng mt i tng, vi cng iu kin v s kin bo him.

2. Trong trng hp cc bn giao kt hp ng bo him trng, khi xy ra s kin bo him, mi doanh nghip
bo him ch chu trch nhim bi thng theo t l gia s tin bo him tha thun trn tng s tin bo
him ca tt c cc hp ng m bn mua bo him giao kt. Tng s tin bi thng ca cc doanh nghip
bo him khng vt qu gi tr thit hi thc t ca ti sn.

iu 45. Tn tht do hao mn t nhin hoc do bn cht vn c ca ti sn

Doanh nghip bo him khng chu trch nhim trong trng hp ti sn c bo him b tn tht do hao mn
t nhin hoc do bn cht vn c ca ti sn, tr trng hp c tha thun khc trong hp ng bo him.

iu 46. Cn c bi thng

1. S tin bi thng m doanh nghip bo him phi tr cho ngi c bo him c xc nh trn c s gi
th trng ca ti sn c bo him ti thi im, ni xy ra tn tht v mc thit hi thc t, tr trng
hp c tha thun khc trong hp ng bo him. Chi ph xc nh gi th trng v mc thit hi do
doanh nghip bo him chu.

2. S tin bi thng m doanh nghip bo him tr cho ngi c bo him khng vt qu s tin bo him,
tr trng hp c tha thun khc trong hp ng bo him.

3. Ngoi s tin bi thng, doanh nghip bo him cn phi tr cho ngi c bo him nhng chi ph cn
thit, hp l phng, hn ch tn tht v nhng chi ph pht sinh m ngi c bo him phi chu
thc hin ch dn ca doanh nghip bo him.

iu 47. Hnh thc bi thng

1. Bn mua bo him v doanh nghip bo him c th tha thun mt trong cc hnh thc bi thng sau y:

a) Sa cha ti sn b thit hi;

b) Thay th ti sn b thit hi bng ti sn khc;

c) Tr tin bi thng.

2. Trong trng hp doanh nghip bo him v bn mua bo him khng tha thun c v hnh thc bi
thng th vic bi thng s c thc hin bng tin.

3. Trong trng hp bi thng theo quy nh ti im b v im c khon 1 iu ny, doanh nghip bo him
c quyn thu hi ti sn b thit hi sau khi thay th hoc bi thng ton b theo gi th trng ca ti sn.

iu 48. Gim nh tn tht

1. Khi xy ra s kin bo him, doanh nghip bo him hoc ngi c doanh nghip bo him y quyn thc
hin vic gim nh tn tht xc nh nguyn nhn v mc tn tht. Chi ph gim nh tn tht do doanh
nghip bo him chu.

2. Trong trng hp cc bn khng thng nht v nguyn nhn v mc tn tht th c th trng cu gim
nh vin c lp, tr trng hp c tha thun khc trong hp ng bo him. Trong trng hp cc bn
khng tha thun c vic trng cu gim nh vin c lp th mt trong cc bn c yu cu Ta n ni
xy ra tn tht hoc ni c tr ca ngi c bo him ch nh gim nh vin c lp. Kt lun ca gim
nh vin c lp c gi tr bt buc i vi cc bn.

iu 49. Trch nhim chuyn quyn yu cu bi hon

1. Trong trng hp ngi th ba c li gy thit hi cho ngi c bo him v doanh nghip bo him tr
tin bi thng cho ngi c bo him th ngi c bo him phi chuyn quyn yu cu ngi th ba bi
hon khon tin m mnh nhn bi thng cho doanh nghip bo him.

2. Trong trng hp ngi c bo him t chi chuyn quyn cho doanh nghip bo him, khng bo lu hoc
t b quyn yu cu ngi th ba bi thng th doanh nghip bo him c quyn khu tr s tin bi thng ty
theo mc li ca ngi c bo him.

3. Doanh nghip bo him khng c yu cu cha, m, v, chng, con, anh, ch, em rut ca ngi c bo
him bi hon khon tin m doanh nghip bo him tr cho ngi c bo him, tr trng hp nhng ngi
ny c gy ra tn tht.

iu 50. Cc quy nh v an ton

1. Ngi c bo him phi thc hin cc quy nh v phng chy, cha chy, an ton lao ng, v sinh lao ng
v nhng quy nh khc ca php lut c lin quan nhm bo m an ton cho i tng bo him.

2. Doanh nghip bo him c quyn kim tra cc iu kin bo m an ton cho i tng bo him hoc khuyn
ngh, yu cu ngi c bo him p dng cc bin php phng, hn ch ri ro.

3. Trong trng hp ngi c bo him khng thc hin cc bin php bo m an ton cho i tng bo him
th doanh nghip bo him c quyn n nh mt thi hn ngi c bo him thc hin cc bin php ; nu
ht thi hn ny m cc bin php bo m an ton vn khng c thc hin th doanh nghip bo him c quyn
tng ph bo him hoc n phng nh ch thc hin hp ng bo him.

4. Doanh nghip bo him c th p dng cc bin php phng nga bo m an ton cho i tng bo him
khi c s ng ca bn mua bo him hoc ca c quan nh nc c thm quyn.

iu 51. Khng c t b ti sn c bo him

Trong trng hp xy ra tn tht, ngi c bo him khng c t b ti sn c bo him, tr trng hp
php lut c quy nh hoc cc bn c tha thun khc.

Mc 4. HP NG BO HIM TRCH NHIM DN S

iu 52. i tng ca hp ng bo him trch nhim dn s

i tng ca hp ng bo him trch nhim dn s l trch nhim dn s ca ngi c bo him i vi

ngi th ba theo quy nh ca php lut.

iu 53. Trch nhim ca doanh nghip bo him

1. Trch nhim ca doanh nghip bo him ch pht sinh nu ngi th ba yu cu ngi c bo him bi
thng thit hi do li ca ngi gy ra cho ngi th ba trong thi hn bo him.

2. Ngi th ba khng c quyn trc tip yu cu doanh nghip bo him tr tin bi thng, tr trng hp php
lut c quy nh khc.

iu 54. S tin bo him

S tin bo him l s tin m doanh nghip bo him phi tr cho ngi c bo him theo tha thun trong hp
ng bo him.

iu 55. Gii hn trch nhim bo him

1. Trong phm vi s tin bo him, doanh nghip bo him phi tr cho ngi c bo him nhng khon tin m
theo quy nh ca php lut ngi c bo him c trch nhim bi thng cho ngi th ba.

2. Ngoi vic tr tin bi thng theo quy nh ti khon 1 iu ny, doanh nghip bo him cn phi tr cc chi
ph lin quan n vic gii quyt tranh chp v trch nhim i vi ngi th ba v li phi tr cho ngi th ba do
ngi c bo him chm tr tin bi thng theo ch dn ca doanh nghip bo him.

3. Tng s tin bi thng ca doanh nghip bo him quy nh ti khon 1 v khon 2 iu ny khng vt qu
s tin bo him, tr trng hp c tha thun khc trong hp ng bo him.

4. Trong trng hp ngi c bo him phi ng tin bo lnh hoc k qu bo m cho ti sn khng b
lu gi hoc trnh vic khi kin ti ta n th theo yu cu ca ngi c bo him, doanh nghip bo him
phi thc hin vic bo lnh hoc k qu trong phm vi s tin bo him.

iu 56. Quyn i din cho ngi c bo him

Doanh nghip bo him c quyn thay mt bn mua bo him thng lng vi ngi th ba v mc bi
thng thit hi, tr trng hp c tha thun khc trong hp ng bo him.

iu 57. Phng thc bi thng

Theo yu cu ca ngi c bo him, doanh nghip bo him c th bi thng trc tip cho ngi c bo
him hoc cho ngi th ba b thit hi.

Chng 3.
 DOANH NGHIP BO HIM

Mc 1. CP GIY PHP THNH LP V HOT NG

iu 58. Thnh lp v hot ng ca doanh nghip bo him

Doanh nghip bo him c thnh lp v hot ng theo quy nh ca Lut ny v cc quy nh khc ca php
lut c lin quan.

iu 59. Cc t chc kinh doanh bo him9

Cc t chc kinh doanh bo him bao gm:

1. Cng ty c phn bo him.

2. Cng ty trch nhim hu hn bo him.

3. Hp tc x bo him.

4. T chc bo him tng h.

iu 60. Ni dung hot ng ca doanh nghip bo him

1. Ni dung hot ng ca doanh nghip bo him bao gm:

a) Kinh doanh bo him, kinh doanh ti bo him;

b) phng, hn ch ri ro, tn tht;

c) Gim nh tn tht;

d) i l gim nh tn tht, xt gii quyt bi thng, yu cu ngi th ba bi hon;

) Qun l qu v u t vn;

e) Cc hot ng khc theo quy nh ca php lut.

2. Doanh nghip bo him khng c php ng thi kinh doanh bo him nhn th v bo him phi nhn th, tr
trng hp doanh nghip bo him nhn th kinh doanh nghip v bo him sc khe v bo him tai nn con
ngi b tr cho bo him nhn th.

iu 61. Ni dung kinh doanh ti bo him

Kinh doanh ti bo him bao gm:

1. Chuyn mt phn trch nhim nhn bo him cho mt hay nhiu doanh nghip bo him khc;

2. Nhn bo him li mt phn hay ton b trch nhim m doanh nghip bo him khc nhn bo him.

iu 62. Thm quyn cp giy php thnh lp v hot ng

1. B Ti chnh cp giy php thnh lp v hot ng cho doanh nghip bo him theo quy nh ca Lut ny v
cc quy nh khc ca php lut c lin quan.

2. Vic cp giy php thnh lp v hot ng cho doanh nghip bo him phi ph hp vi quy hoch, k hoch
nh hng pht trin th trng bo him, th trng ti chnh ca Vit Nam.

iu 63. iu kin c cp giy php thnh lp v hot ng

Cc iu kin c cp giy php thnh lp v hot ng bao gm:

1. C s vn iu l gp khng thp hn mc vn php nh theo quy nh ca Chnh ph.

2. C h s xin cp giy php thnh lp v hot ng theo quy nh ti iu 64 ca Lut ny.

3. C loi hnh doanh nghip v iu l ph hp vi quy nh ca Lut ny v cc quy nh khc ca php lut.

4. Ngi qun tr, ngi iu hnh c nng lc qun l, chuyn mn, nghip v v bo him.

5.10 T chc, c nhn tham gia gp vn thnh lp doanh nghip bo him, doanh nghip mi gii bo him phi c
nng lc ti chnh v c bng chng chng minh ngun ti chnh hp php khi tham gia gp vn thnh lp
doanh nghip bo him.

iu 64. H s xin cp giy php thnh lp v hot ng

H s xin cp giy php thnh lp v hot ng bao gm:

1. n xin cp giy php thnh lp v hot ng.

2. D tho iu l doanh nghip.

3. Phng n hot ng nm nm u, trong nu r phng thc trch lp d phng nghip v, chng trnh ti
bo him, u t vn, hiu qu kinh doanh, kh nng thanh ton ca doanh nghip bo him v li ch kinh t ca
vic thnh lp doanh nghip.

4. Danh sch, l lch, cc vn bng chng minh nng lc, trnh chuyn mn, nghip v ca ngi qun tr, ngi
iu hnh doanh nghip.

5. Mc vn gp v phng thc gp vn, danh sch nhng t chc, c nhn chim 10% s vn iu l tr ln; tnh
hnh ti chnh v nhng thng tin khc c lin quan n cc t chc, c nhn .

6. Quy tc, iu khon, biu ph, hoa hng bo him ca loi sn phm bo him d kin tin hnh.

iu 65. Thi hn cp giy php

Trong thi hn 60 ngy, k t ngy nhn h s xin cp giy php thnh lp v hot ng, B Ti chnh phi cp
hoc t chi cp giy php. Trong trng hp t chi cp giy php, B Ti chnh phi c vn bn gii thch l do.

Giy php thnh lp v hot ng ng thi l giy chng nhn ng k kinh doanh.

iu 66. L ph cp giy php

Doanh nghip bo him c cp giy php thnh lp v hot ng phi np l ph cp giy php theo quy nh
ca php lut.

iu 67. Cng b ni dung hot ng

Sau khi c cp giy php thnh lp v hot ng, doanh nghip bo him phi cng b ni dung hot ng kinh
doanh theo quy nh ca php lut.

iu 68. Thu hi giy php thnh lp v hot ng

1. Doanh nghip bo him c th b thu hi giy php thnh lp v hot ng khi xy ra mt trong nhng trng
hp sau y:

a) H s xin cp giy php thnh lp v hot ng c thng tin c lm sai s tht;

b) Sau 12 thng k t ngy c cp giy php thnh lp v hot ng m khng bt u hot ng;

c) Gii th theo quy nh ti iu 82 ca Lut ny;

d) Chia, tch, hp nht, sp nhp, ph sn, chuyn i hnh thc doanh nghip;

) Hot ng sai mc ch hoc khng ng vi ni dung quy nh trong giy php thnh lp v hot ng;

e) Khng bo m cc yu cu v ti chnh thc hin cc cam kt vi bn mua bo him.

2. Trong trng hp b thu hi giy php thnh lp v hot ng theo quy nh ti cc im a, b, c, v e khon 1
iu ny, doanh nghip bo him 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 php thnh lp v hot ng.

Trong trng hp b thu hi giy php thnh lp v hot ng theo quy nh ti im d khon 1 iu ny, quyn v
ngha v ca cc bn c thc hin theo quy nh ca php lut.

3. Quyt nh thu hi giy php thnh lp v hot ng ca doanh nghip bo him c B Ti chnh cng b trn
cc phng tin thng tin i chng.

iu 69. Nhng thay i phi c chp thun

1. Doanh nghip bo him phi c B Ti chnh chp thun bng vn bn khi thay i mt trong nhng ni dung
sau y:

a) Tn doanh nghip;

b) Vn iu l;

c) M hoc chm dt hot ng ca chi nhnh, vn phng i din;

d) a im t tr s chnh, chi nhnh, vn phng i din;

) Ni dung, phm vi v thi hn hot ng;

e) Chuyn nhng c phn, phn vn gp chim 10% s vn iu l tr ln;

g)11 Ch tch Hi ng qun tr, Tng gim c (Gim c), chuyn gia tnh ton;

h)12 Chia, tch, sp nhp, hp nht, gii th, chuyn i hnh thc doanh nghip, u t ra nc ngoi.

2. Trong thi hn 30 ngy, k t ngy B Ti chnh chp thun vic thay i theo quy nh ti khon 1 iu ny,
doanh nghip bo him phi cng b cc ni dung thay i c chp thun theo quy nh ca php lut.

Mc 2. T CHC BO HIM TNG H

iu 70. T chc bo him tng h

T chc bo him tng h l t chc c t cch php nhn c thnh lp kinh doanh bo him nhm tng
tr, gip ln nhau gia cc thnh vin. Thnh vin t chc bo him tng h va l ch s hu va l bn mua
bo him.

iu 71. Thnh vin t chc bo him tng h

1. T chc, cng dn Vit Nam t 18 tui tr ln, c nng lc hnh vi dn s y , hot ng trong cng mt
lnh vc, ngnh ngh, c nhu cu bo him u c quyn tham gia thnh lp t chc bo him tng h vi t cch
l thnh vin sng lp.

2. Ch cc t chc, c nhn giao kt hp ng bo him vi t chc bo him tng h mi c th tr thnh thnh

vin ca t chc bo him tng h.

iu 72. Gii hn trch nhim ca t chc bo him tng h

T chc bo him tng h ch chu trch nhim v cc khon n v cc ngha v ti sn khc ca t chc trong
phm vi ti sn ca t chc.

iu 73. Thnh lp, t chc v hot ng ca t chc bo him tng h

Vic thnh lp, t chc v hot ng ca t chc bo him tng h do Chnh ph quy nh.

Mc 3. CHUYN GIAO HP NG BO HIM

iu 74. Chuyn giao hp ng bo him

1. Vic chuyn giao ton b hp ng bo him ca mt hoc mt s nghip v bo him gia cc doanh nghip
bo him c thc hin trong nhng trng hp sau y:

a) Doanh nghip bo him c nguy c mt kh nng thanh ton;

b) Doanh nghip bo him chia, tch, hp nht, sp nhp, gii th;

c) Theo tha thun gia cc doanh nghip bo him.

2. Trong trng hp doanh nghip bo him c nguy c mt kh nng thanh ton, gii th m khng tha thun
c vic chuyn giao hp ng bo him cho doanh nghip bo him khc th B Ti chnh ch nh doanh
nghip bo him nhn chuyn giao.
iu 75. iu kin chuyn giao hp ng bo him

Vic chuyn giao hp ng bo him c thc hin theo cc iu kin sau y:

1. Doanh nghip bo him nhn chuyn giao ang kinh doanh nghip v bo him c chuyn giao.

2. Cc quyn v ngha v theo hp ng bo him c chuyn giao khng thay i cho n khi ht thi hn hp
ng bo him.

3. Vic chuyn giao hp ng bo him phi km theo vic chuyn giao cc qu v d phng nghip v lin quan
n ton b hp ng bo him c chuyn giao.

iu 76. Th tc chuyn giao hp ng bo him

Vic chuyn giao hp ng bo him c thc hin theo th tc sau y:

1. Doanh nghip bo him chuyn giao hp ng bo him phi c n ngh chuyn giao hp ng bo him
gi B Ti chnh nu r l do, k hoch chuyn giao, km theo hp ng chuyn giao. Vic chuyn giao hp ng
bo him ch c tin hnh sau khi c B Ti chnh chp thun bng vn bn.

2. Trong thi hn 30 ngy, k t ngy B Ti chnh chp thun vic chuyn giao hp ng bo him, doanh nghip
chuyn giao hp ng bo him phi cng b v vic chuyn giao v thng bo cho bn mua bo him bng vn
bn.

Mc 4. KHI PHC KH NNG THANH TON, GII TH, PH SN DOANH NGHIP BO HIM

iu 77. Kh nng thanh ton

1. Doanh nghip bo him phi lun duy tr kh nng thanh ton trong sut qu trnh hot ng kinh doanh bo
him.

2. Doanh nghip bo him c coi l c kh nng thanh ton khi trch lp y d phng nghip v theo
quy nh ti iu 96 ca Lut ny v c bin kh nng thanh ton khng thp hn bin kh nng thanh ton ti
thiu theo quy nh ca Chnh ph.

3. Bin kh nng thanh ton ca doanh nghip bo him l phn chnh lch gia gi tr ti sn v cc khon n phi
tr ca doanh nghip bo him.

iu 78. Bo co nguy c mt kh nng thanh ton

1. Doanh nghip bo him c nguy c mt kh nng thanh ton khi bin kh nng thanh ton ca doanh nghip
thp hn bin kh nng thanh ton ti thiu theo quy nh Chnh ph.

2. Trong trng hp c nguy c mt kh nng thanh ton, doanh nghip bo him phi bo co ngay B Ti chnh
v thc trng ti chnh, nguyn nhn dn n nguy c mt kh nng thanh ton v cc bin php khc phc.

iu 79. Trch nhim ca doanh nghip bo him trong trng hp c nguy c mt kh nng thanh ton

Trong trng hp c nguy c mt kh nng thanh ton, doanh nghip bo him phi thc hin cc bin php sau
y:
1. Lp phng n khi phc kh nng thanh ton, cng c t chc v hot ng ca doanh nghip, bo co B Ti
chnh v thc hin phng n c B Ti chnh chp thun;

2. Thc hin yu cu ca B Ti chnh v vic khi phc kh nng thanh ton.

iu 80. Kim sot i vi doanh nghip bo him c nguy c mt kh nng thanh ton

1. Trong trng hp doanh nghip bo him khng khi phc c kh nng thanh ton theo phng n c
chp thun, B Ti chnh ra quyt nh thnh

lp Ban kim sot kh nng thanh ton p dng cc bin php khi phc kh nng thanh ton ca doanh nghip
bo him.

2. Ban kim sot kh nng thanh ton c nhng nhim v, quyn hn sau y:

a) Ch o v gim st vic trin khai thc hin cc bin php khi phc kh nng thanh ton theo phng n
c chp thun;

b) Thng bo cho cc c quan nh nc c lin quan v vic p dng cc bin php khi phc kh nng thanh ton
phi hp thc hin;

c) Hn ch phm vi v lnh vc hot ng ca doanh nghip bo him;

d) nh ch nhng hot ng c th dn n vic doanh nghip bo him mt kh nng thanh ton;

) Yu cu doanh nghip bo him chuyn giao ton b hp ng bo him ca mt hoc mt s nghip v bo

him cho doanh nghip bo him khc;

e) Tm nh ch quyn qun tr, iu hnh v yu cu doanh nghip bo him thay th thnh vin Hi ng qun tr,
Tng gim c (Gim c), Ph Tng gim c (Ph gim c) nu xt thy cn thit;

g) Yu cu Hi ng qun tr, Tng gim c (Gim c) min nhim, nh ch cng tc i vi nhng ngi c
hnh vi vi phm php lut, khng chp hnh phng n khi phc kh nng thanh ton c chp thun;

h) Kin ngh vi B Ti chnh tip tc hoc chm dt cc bin php khi phc kh nng thanh ton;

i) Bo co B Ti chnh v vic p dng v kt qu ca vic p dng cc bin php khi phc kh nng thanh ton.

3. Ban kim sot kh nng thanh ton phi chu trch nhim v quyt nh ca mnh theo quy nh ca php lut
trong qu trnh p dng cc bin php khi phc kh nng thanh ton ca doanh nghip bo him.

4. Doanh nghip bo him c trch nhim thc hin cc yu cu, quyt nh ca Ban kim sot kh nng thanh
ton.

iu 81. Chm dt vic p dng cc bin php khi phc kh nng thanh ton

1. Vic p dng cc bin php khi phc kh nng thanh ton chm dt trong cc trng hp sau y:

a) Ht hn p dng bin php khi phc kh nng thanh ton;

b) Hot ng ca doanh nghip bo him tr li bnh thng;

c) Doanh nghip bo him c hp nht, sp nhp trc khi ht thi hn p dng bin php khi phc kh
nng thanh ton,;

d) Doanh nghip bo him lm vo tnh trng ph sn.

2. Vic chm dt p dng cc bin php khi phc kh nng thanh ton c thc hin theo quyt nh ca B
trng B Ti chnh. Quyt nh ny c thng bo cho cc c quan c lin quan.

iu 82. Gii th doanh nghip bo him

1. Doanh nghip bo him gii th trong cc trng hp sau y:

a) T nguyn xin gii th nu c kh nng thanh ton cc khon n;

b) Khi ht thi hn hot ng quy nh trong giy php thnh lp v hot ng m khng c quyt nh gia hn;

c) B thu hi giy php thnh lp v hot ng theo quy nh ti cc im a, b, v e khon 1 iu 68 ca Lut

ny;

d) Cc trng hp khc theo quy nh ca php lut.

2. Vic gii th doanh nghip bo him phi c B Ti chnh chp thun bng vn bn.

iu 83. Ph sn doanh nghip bo him

Trong trng hp doanh nghip bo him khng c kh nng thanh ton cc khon n n hn, sau khi p dng
cc bin php khi phc kh nng thanh ton m vn mt kh nng thanh ton th vic ph sn doanh nghip bo
him c thc hin theo quy nh ca php lut v ph sn doanh nghip.

Chng 4.

I L BO HIM, DOANH NGHIP MI GII BO HIM

Mc 1. I L BO HIM

iu 84. i l bo him

i l bo him l t chc, c nhn c doanh nghip bo him y quyn trn c s hp ng i l bo him

thc hin hot ng i l bo him theo quy nh ca Lut ny v cc quy nh khc ca php lut c lin quan.

iu 85. Ni dung hot ng i l bo him

i l bo him c th c doanh nghip bo him y quyn tin hnh cc hot ng sau y:

1. Gii thiu, cho bn bo him.

2. Thu xp vic giao kt hp ng bo him.

3. Thu ph bo him.

4. Thu xp gii quyt bi thng, tr tin bo him khi xy ra s kin bo him.

5. Thc hin cc hot ng khc c lin quan n vic thc hin hp ng bo him.

iu 86. iu kin hot ng i l bo him

1. C nhn hot ng i l bo him phi c cc iu kin sau y:

a) L cng dn Vit Nam thng tr ti Vit Nam;

b) T 18 tui tr ln, c nng lc hnh vi dn s y ;

c)13 C Chng ch i l bo him do c s o to c B Ti chnh chp thun cp.

B Ti chnh quy nh v chng trnh, ni dung, hnh thc o to, vic cp Chng ch i l bo him.

2. T chc hot ng i l bo him phi c cc iu kin sau y:

a) L t chc c thnh lp v hot ng hp php;

b) Nhn vin trong t chc i l trc tip thc hin hot ng i l bo him phi c cc iu kin quy nh
ti khon 1 iu ny.

3. Ngi ang b truy cu trch nhim hnh s hoc ang phi chp hnh hnh pht t hoc b Ta n tc quyn
hnh ngh v phm cc ti theo quy nh ca php lut khng c k kt hp ng i l bo him.

iu 87. Ni dung hp ng i l bo him

Hp ng i l bo him phi c cc ni dung ch yu sau y:

1. Tn, a ch ca i l bo him.

2. Tn, a ch ca doanh nghip bo him.

3. Quyn v ngha v ca doanh nghip bo him, i l bo him.

4. Ni dung v phm vi hot ng i l bo him.

5. Hoa hng i l bo him.

6. Thi hn hp ng.

7. Nguyn tc gii quyt tranh chp.

iu 88. Trch nhim ca i l bo him

Trong trng hp i l bo him vi phm hp ng i l bo him, gy thit hi n quyn, li ch hp php ca

ngi c bo him th doanh nghip bo him vn phi chu trch nhim v hp ng bo him do i l bo
him thu xp giao kt; i l bo him c trch nhim bi hon cho doanh nghip bo him cc khon tin m
doanh nghip bo him bi thng cho ngi c bo him.

Mc 2. DOANH NGHIP MI GII BO HIM

iu 89. Doanh nghip mi gii bo him

Doanh nghip mi gii bo him l doanh nghip thc hin hot ng mi gii bo him theo quy nh ca Lut
ny v cc quy nh khc ca php lut c lin quan.

iu 90. Ni dung hot ng mi gii bo him

Ni dung hot ng mi gii bo him bao gm:

1. Cung cp thng tin v loi hnh bo him, iu kin, iu khon, ph bo him, doanh nghip bo him cho bn
mua bo him.

2. T vn cho bn mua bo him trong vic nh gi ri ro, la chn loi hnh bo him, iu kin, iu khon,
biu ph bo him, doanh nghip bo him.

3. m phn, thu xp giao kt hp ng bo him gia doanh nghip bo him v bn mua bo him.

4. Thc hin cc cng vic khc c lin quan n vic thc hin hp ng bo him theo yu cu ca bn mua bo
him.

iu 91. Quyn v ngha v ca doanh nghip mi gii bo him

1. Doanh nghip mi gii bo him c hng hoa hng mi gii bo him. Hoa hng mi gii bo him c
tnh trong ph bo him.

2. Doanh nghip mi gii bo him c ngha v:

a) Thc hin vic mi gii trung thc;

b) Khng c tit l, cung cp thng tin lm thit hi n quyn, li ch hp php ca bn mua bo him;

c) Bi thng thit hi cho bn mua bo him do hot ng mi gii bo him gy ra.

iu 92. Bo him trch nhim ngh nghip

Doanh nghip mi gii bo him phi mua bo him trch nhim ngh nghip cho hot ng mi gii bo him ti
doanh nghip bo him hot ng Vit Nam.

iu 93. Cp giy php thnh lp v hot ng

Vic cp giy php thnh lp v hot ng ca doanh nghip mi gii bo him c thc hin theo quy nh ti
iu 62, iu 63, cc khon 1, 2, 3 v 4 iu 64 v cc iu 65, 66, 67, 68 v 69 ca Lut ny.

Chng 5.

TI CHNH, HCH TON K TON V BO CO TI CHNH

iu 94. Vn php nh, vn iu l

1. Chnh ph quy nh mc vn php nh ca doanh nghip bo him, doanh nghip mi gii bo him.
2. Trong qu trnh hot ng, doanh nghip bo him, doanh nghip mi gii bo him phi lun duy tr vn iu
l gp khng thp hn mc vn php nh.

iu 95. K qu

1. Doanh nghip bo him phi s dng mt phn vn iu l k qu ti mt ngn hng thng mi hot ng
ti Vit Nam.

2. Chnh ph quy nh mc tin k qu v cch thc s dng tin k qu.

iu 96. D phng nghip v

1. D phng nghip v l khon tin m doanh nghip bo him phi trch lp nhm mc ch thanh ton cho
nhng trch nhim bo him c xc nh trc v pht sinh t cc hp ng bo him giao kt.

2. D phng nghip v phi c trch lp ring cho tng nghip v bo him v phi tng ng vi phn trch
nhim ca doanh nghip bo him.

3. B Ti chnh quy nh c th v mc trch lp, phng php trch lp d phng nghip v i vi tng nghip v
bo him.

iu 97. Qu d tr v Qu bo v ngi c bo him14

1. Doanh nghip bo him, doanh nghip mi gii bo him phi lp qu d tr bt buc b sung vn iu l v
bo m kh nng thanh ton. Qu d tr bt buc c trch hng nm theo t l 5% li nhun sau thu. Mc ti
a ca qu ny do Chnh ph quy nh.

2. Ngoi qu d tr bt buc quy nh ti khon 1 iu ny, doanh nghip bo him, doanh nghip mi gii bo
him c th lp cc qu d tr khc t li nhun sau thu ca nm ti chnh theo quy nh trong iu l ca doanh
nghip bo him, doanh nghip mi gii bo him.

3. Qu bo v ngi c bo him c thnh lp bo v quyn li ca ngi c bo him trong trng hp

doanh nghip bo him ph sn hoc mt kh nng thanh ton.

Ngun lp Qu bo v ngi c bo him c trch lp theo t l phn trm trn ph bo him p dng i
vi tt c hp ng bo him.

Chnh ph quy nh vic trch lp v qun l, s dng Qu bo v ngi c bo him.

iu 98. u t vn

1. Vic u t vn ca doanh nghip bo him phi bo m an ton, hiu qu v p ng c yu cu chi tr

thng xuyn cho cc cam kt theo hp ng bo him.

2. Doanh nghip bo him ch c s dng vn nhn ri ca mnh u t Vit Nam trong cc lnh vc sau
y:

a) Mua tri phiu Chnh ph;

b) Mua c phiu, tri phiu doanh nghip;

c) Kinh doanh bt ng sn;

d) Gp vn vo cc doanh nghip khc;

) Cho vay theo quy nh ca Lut cc t chc tn dng;

e) Gi tin ti cc t chc tn dng.

3. Chnh ph quy nh c th danh mc u t thuc cc lnh vc quy nh ti khon 2 iu ny v t l vn nhn

ri c php u t vo mi danh mc u t nhm bo m cho doanh nghip bo him lun duy tr c kh
nng thanh ton.

iu 99. Thu, chi ti chnh

1. Thu, chi ti chnh ca doanh nghip bo him, doanh nghip mi gii bo him c thc hin theo quy nh
ca php lut.

2. B Ti chnh hng dn, kim tra vic thc hin ch ti chnh i vi cc doanh nghip bo him, doanh
nghip mi gii bo him.

iu 100. Nm ti chnh

Nm ti chnh ca doanh nghip bo him, doanh nghip mi gii bo him bt u t ngy 01 thng 01 v kt
thc vo ngy 31 thng 12 cng nm dng lch. Nm ti chnh u tin ca doanh nghip bo him, doanh nghip
mi gii bo him bt u t ngy c cp giy php thnh lp v hot ng v kt thc vo ngy cui cng ca
nm .

iu 101. Ch k ton

Doanh nghip bo him, doanh nghip mi gii bo him phi thc hin ch k ton p dng i vi kinh doanh
bo him theo quy nh ca php lut v k ton.

iu 102. Kim ton

Bo co ti chnh hng nm ca doanh nghip bo him, doanh nghip mi gii bo him phi c t chc kim
ton c lp xc nhn.

iu 103. Bo co ti chnh

1. Doanh nghip bo him, doanh nghip mi gii bo him phi thc hin ch bo co ti chnh theo cc quy
nh ca php lut v k ton v bo co hot ng nghip v nh k theo quy nh ca B Ti chnh.

2. Ngoi nhng bo co nh k, doanh nghip bo him cn phi bo co B Ti chnh trong nhng trng hp
sau y:

a) Khi xy ra nhng din bin khng bnh thng trong hot ng kinh doanh ca doanh nghip;

b) Khi khng bo m cc yu cu v ti chnh theo quy nh thc hin nhng cam kt vi bn mua bo him.

iu 104. Cng khai bo co ti chnh

Sau khi kt thc nm ti chnh, doanh nghip bo him, doanh nghip mi gii bo him phi cng b cc bo co
ti chnh theo quy nh ca php lut.

Chng 6.

DOANH NGHIP BO HIM V DOANH NGHIP MI GII BO HIM C VN U T NC

NGOI

iu 105. Hnh thc hot ng15

1. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi c php hot ng ti Vit Nam di
cc hnh thc sau y:

a) Cng ty trch nhim hu hn bo him, cng ty trch nhim hu hn mi gii bo him;

b) Chi nhnh doanh nghip bo him phi nhn th nc ngoi.

2. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi cung cp dch v bo him qua bin gii
theo quy nh ca Chnh ph.

3. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi c

t vn phng i din ti Vit Nam. Vn phng i din khng c kinh doanh bo him ti Vit Nam.

iu 106. iu kin c cp giy php thnh lp v hot ng

Cc iu kin c cp giy php thnh lp v hot ng i vi doanh nghip bo him, doanh nghip mi gii
bo him c vn u t nc ngoi bao gm:

1. Cc iu kin quy nh ti iu 63 ca Lut ny.

2. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ang hot ng hp php v trong tnh
trng ti chnh bnh thng.

3. Doanh nghip bo him nc ngoi, doanh nghip mi gii bo him nc ngoi c c quan c thm quyn
ca nc ngoi cho php hot ng kinh doanh bo him, hot ng mi gii bo him trong lnh vc d kin tin
hnh Vit Nam.

iu 107. iu kin c cp giy php t vn phng i din ti Vit Nam

iu kin c cp giy php t vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo
him nc ngoi ti Vit Nam bao gm:

1. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi hot ng nm nm tr ln;

2. Doanh nghip bo him, doanh nghip mi gii bo him nc ngoi c quan h hp tc vi cc c quan, t
chc Vit Nam.

iu 108. Thm quyn cp giy php16

B Ti chnh cp giy php thnh lp v hot ng cho doanh nghip bo him, doanh nghip mi gii bo him
c vn u t nc ngoi, chi nhnh doanh nghip bo him phi nhn th nc ngoi; giy php t vn phng i
din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ti Vit Nam.

iu 109. H s xin cp giy php thnh lp v hot ng

1. Ngoi cc ni dung quy nh ti iu 64 ca Lut ny, h s xin cp giy php thnh lp v hot ng i vi
doanh nghip bo him, doanh nghip mi gii bo him lin doanh cn bao gm:

a) iu l, giy php thnh lp v hot ng ca cc bn tham gia lin doanh;

b) Hp ng lin doanh;

c) Bng tng kt ti sn, bo co ti chnh hng nm c xc nhn ca t chc kim ton c lp v tnh hnh hot
ng ca cc bn tham gia lin doanh trong ba nm gn nht.

2. Ngoi cc ni dung quy nh ti iu 64 ca Lut ny, h s xin cp giy php thnh lp v hot ng i vi
doanh nghip bo him, doanh nghip mi gii bo him 100% vn u t nc ngoi cn bao gm:

a) iu l, giy php thnh lp v hot ng ca doanh nghip bo him nc ngoi, doanh nghip mi gii bo
him nc ngoi ni ng tr s chnh;

b) Giy y quyn cho Tng gim c (Gim c) ti Vit Nam;

c) Bng tng kt ti sn, bo co ti chnh hng nm c xc nhn ca t chc kim ton c lp v tnh hnh hot
ng ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ni ng tr s chnh trong ba nm
gn nht.

iu 110. H s xin cp giy php t vn phng i din

H s xin cp giy php t vn phng i din doanh nghip bo him, doanh nghip mi gii bo him nc
ngoi ti Vit Nam bao gm:

1. n xin t vn phng i din.

2. Giy php thnh lp v hot ng ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ni
ng tr s chnh.

3. Bng tng kt ti sn, bo co ti chnh hng nm c xc nhn ca t chc kim ton c lp v tnh hnh hot
ng ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi trong ba nm gn nht.

4. H, tn, l lch ca Trng vn phng i din ti Vit Nam.

5. Bn gii thiu v doanh nghip bo him, doanh nghip mi gii bo him nc ngoi v hot ng hp tc vi
cc c quan, t chc Vit Nam.

iu 111. Thi hn cp giy php, l ph cp giy php v cng b ni dung hot ng

Thi hn cp giy php, l ph cp giy php v cng b ni dung hot ng i vi doanh nghip bo him, doanh
nghip mi gii bo him c vn u t nc ngoi; vn phng i din ca doanh nghip bo him, doanh nghip
mi gii bo him nc ngoi c thc hin theo quy nh ti cc iu 65, 66 v 67 ca Lut ny.
iu 112. Thu hi giy php

1. Ngoi cc quy nh ti iu 68 ca Lut ny, doanh nghip bo him, doanh nghip mi gii bo him c vn
u t nc ngoi c th b thu hi giy php thnh lp v hot ng khi doanh nghip bo him, doanh nghip mi
gii bo him nc ngoi ni ng tr s chnh b thu hi giy php thnh lp v hot ng.

2. Vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi b thu hi giy
php t vn phng i din khi doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ni ng tr
s chnh b thu hi giy php thnh lp v hot ng.

iu 113. Nhng thay i phi c chp thun

Nhng thay i phi c chp thun i vi doanh nghip bo him, doanh nghip mi gii bo him c vn u
t nc ngoi c thc hin theo quy nh ti iu 69 ca Lut ny.

iu 114. Ni dung hot ng

Ni dung hot ng ca doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi; vn
phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi phi tun theo quy nh
ca Lut ny v cc quy nh khc ca php lut Vit Nam.

iu 115. Vn, qu d tr v thu chi ti chnh ca doanh nghip bo him, doanh nghip mi gii bo him
c vn u t nc ngoi

1. Chnh ph quy nh mc vn php nh ca doanh nghip bo him, doanh nghip mi gii bo him c vn u
t nc ngoi.

2. Vic trch lp qu d tr bt buc v cc qu d tr khc ca doanh nghip bo him, doanh nghip mi gii bo
him c vn u t nc ngoi c thc hin theo quy nh ti iu 97 ca Lut ny.

3. Thu, chi ti chnh ca doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi c
thc hin theo quy nh ca php lut Vit Nam.

iu 116. Kh nng thanh ton, k qu, d phng nghip v v u t vn ca doanh nghip bo him c
vn u nc ngoi

1. Doanh nghip bo him c vn u t nc ngoi phi duy tr kh nng thanh ton theo quy nh ti iu 77 ca
Lut ny.

2. Doanh nghip bo him c vn u t nc ngoi phi k qu, trch lp d phng nghip v theo quy nh ti
iu 95 v iu 96 ca Lut ny.

3. Doanh nghip bo him c vn u t nc ngoi c u t vn theo quy nh ti iu 98 ca Lut ny.

iu 117. Ch k ton, kim ton v bo co ti chnh

1. Doanh nghip bo him, doanh nghip mi gii bo him c vn u t nc ngoi phi thc hin ch k
ton, kim ton v bo co ti chnh theo quy nh ti cc iu 101, 102, 103 v 104 ca Lut ny.

2. Trong thi hn 180 ngy, k t ngy kt thc nm ti chnh, doanh nghip bo him, doanh nghip mi gii bo
him c vn u t nc ngoi; vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him
nc ngoi phi gi bo co ti chnh nm ca doanh nghip bo him, doanh nghip mi gii bo him nc
ngoi cho B Ti chnh.

iu 118. Chuyn li nhun, chuyn ti sn ra nc ngoi

1. Doanh nghip bo him, doanh nghip mi gii bo him 100% vn u t nc ngoi c chuyn ra nc
ngoi s li nhun cn li thuc s hu ca mnh sau khi trch lp cc qu v thc hin y cc ngha v ti
chnh theo quy nh ca php lut Vit Nam.

2. Bn nc ngoi trong doanh nghip bo him, doanh nghip mi gii bo him lin doanh c chuyn ra nc
ngoi s li nhun c chia sau khi doanh nghip bo him, doanh nghip mi gii bo him lin doanh trch
lp cc qu v thc hin y cc ngha v ti chnh theo quy nh ca php lut Vit Nam.

3. Doanh nghip bo him 100% vn u t nc ngoi v bn nc ngoi trong doanh nghip bo him lin
doanh; doanh nghip mi gii bo him 100% vn u t nc ngoi v bn nc ngoi trong doanh nghip mi
gii bo him lin doanh c chuyn ra nc ngoi s ti sn cn li ca mnh sau khi thanh l, kt thc hot
ng ti Vit Nam.

4. Vic chuyn tin v cc ti sn khc ra nc ngoi quy nh ti cc khon 1, 2 v 3 iu ny c thc hin theo
quy nh ca php lut Vit Nam.

iu 119. Cc quy nh khc

Chnh ph quy nh c th ni dung, phm vi v a bn hot ng ca doanh nghip bo him, doanh nghip mi
gii bo him c vn u t nc ngoi v vn phng i din ca doanh nghip bo him, doanh nghip mi gii
bo him nc ngoi ti Vit Nam.

Chng 7.

QUN L NH NC V KINH DOANH BO HIM

iu 120. Ni dung qun l nh nc v kinh doanh bo him

Ni dung qun l nh nc v kinh doanh bo him bao gm:

1. Ban hnh v hng dn thc hin cc vn bn quy phm php lut v kinh doanh bo him; xy dng chin
lc, quy hoch, k hoch v chnh sch pht trin th trng bo him Vit Nam.

2. Cp v thu hi giy php thnh lp v hot ng ca doanh nghip bo him, doanh nghip mi gii bo him;
giy php t vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ti Vit
Nam.

3. Ban hnh, ph chun, hng dn thc hin quy tc, iu khon, biu ph, hoa hng bo him.

4.17 Gim st hot ng kinh doanh bo him thng qua hot ng nghip v, tnh hnh ti chnh, qun tr doanh
nghip, qun tr ri ro v vic chp hnh php lut ca doanh nghip bo him, doanh nghip mi gii bo him; p
dng cc bin php cn thit doanh nghip bo him bo m cc yu cu v ti chnh v thc hin nhng cam
kt vi bn mua bo him.

5. T chc thng tin v d bo tnh hnh th trng bo him.

6. Hp tc quc t trong lnh vc bo him.

7. Chp thun vic doanh nghip bo him, doanh nghip mi gii bo him hot ng nc ngoi.

8. Qun l hot ng ca vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc
ngoi ti Vit Nam.

9. T chc vic o to, xy dng i ng cn b qun l v chuyn mn, nghip v v bo him.

10. Thanh tra, kim tra hot ng kinh doanh bo him; gii quyt khiu ni, t co v x l vi phm php lut v
kinh doanh bo him.

iu 121. C quan qun l nh nc

1. Chnh ph thng nht qun l nh nc v kinh doanh bo him.

2. B Ti chnh chu trch nhim trc Chnh ph thc hin qun l nh nc v kinh doanh bo him.

3. Cc b, c quan ngang b, c quan thuc Chnh ph trong phm vi nhim v, quyn hn ca mnh c trch
nhim qun l nh nc v kinh doanh bo him theo quy nh ca php lut.

4. y ban nhn dn cc cp trong phm vi nhim v, quyn hn ca mnh thc hin qun l nh nc v kinh
doanh bo him ti a phng theo quy nh ca php lut.

iu 122. Thanh tra chuyn ngnh kinh doanh bo him18

1. C quan qun l nh nc v kinh doanh bo him thc hin chc nng thanh tra chuyn ngnh kinh doanh bo
him.

2. T chc v hot ng ca thanh tra chuyn ngnh kinh doanh bo him theo quy nh ca Lut ny v php lut
v thanh tra.

Chng 8.

KHEN THNG V X L VI PHM

iu 123. Khen thng

T chc, c nhn c thnh tch trong kinh doanh bo him, pht hin nhng hnh vi vi phm php lut v kinh
doanh bo him th c khen thng theo quy nh ca php lut.

iu 124. Cc hnh vi vi phm php lut v kinh doanh bo him

Cc hnh vi vi phm php lut v kinh doanh bo him bao gm:

1. Kinh doanh bo him khng c giy php thnh lp v hot ng hoc khng ng vi ni dung giy php thnh
lp v hot ng.

2. Vi phm quy nh v cp giy php thnh lp v hot ng, thanh tra, kim tra v gim st ca c quan nh nc
c thm quyn.
3. Cnh tranh bt hp php.

4. p buc giao kt hp ng bo him.

5. Vi phm quy nh v bo him bt buc.

6. Vi phm ngha v gi b mt v thng tin c lin quan n hp ng bo him do bn mua bo him cung cp.

7. Cung cp thng tin, s liu, bo co sai s tht.

8. Kinh doanh trong iu kin khng bo m yu cu v ti chnh, vi phm quy nh v vn php nh, d tr, k
qu, trch lp, qun l v s dng d phng nghip v.

9. Vi phm quy nh v u t vn.

10. Cc hnh vi khc vi phm php lut v kinh doanh bo him.

iu 125. X l vi phm

1. Ngi no vi phm quy nh ca Lut ny th ty theo tnh cht, mc vi phm m b x pht hnh chnh hoc
b truy cu trch nhim hnh s; nu gy thit hi th phi bi thng theo quy nh ca php lut.

2. Ngi no li dng chc v, quyn hn vi phm cc quy nh v cp giy php thnh lp v hot ng, giy
php t vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi ti Vit
Nam, qun l nh nc v kinh doanh bo him v cc quy nh khc ca Lut ny th ty theo tnh cht, mc
vi phm m b x l k lut hoc b truy cu trch nhim hnh s; nu gy thit hi th phi bi thng theo quy
nh ca php lut.

iu 126. Khiu ni, khi kin v quyt nh x pht vi phm hnh chnh

1. T chc, c nhn b x l vi phm hnh chnh c quyn khiu ni vi c quan nh nc c thm quyn hoc
khi kin ti Ta n theo quy nh ca php lut.

2. Trong thi gian khiu ni hoc khi kin, t chc, c nhn b x l vi phm hnh chnh vn phi thi hnh quyt
nh x l vi phm hnh chnh. Khi c quyt nh gii quyt khiu ni ca c quan nh nc c thm quyn hoc
bn n, quyt nh ca Ta n c hiu lc php lut th thi hnh theo quyt nh gii quyt khiu ni ca c quan
nh nc c thm quyn hoc theo bn n, quyt nh ca Ta n.

Chng 9.

IU KHON THI HNH19

iu 127. Quy nh i vi doanh nghip bo him, doanh nghip mi gii bo him, vn phng i din
c thnh lp, hot ng; hp ng bo him c giao kt trc ngy Lut ny c hiu lc

1. Doanh nghip bo him, doanh nghip mi gii bo him thnh lp v hot ng theo quyt nh thnh lp,
giy php thnh lp, giy php u t, giy chng nhn tiu chun v iu kin hot ng kinh doanh bo him;
vn phng i din ca doanh nghip bo him, doanh nghip mi gii bo him nc ngoi hot ng theo
giy php t vn phng i din cp trc ngy Lut ny c hiu lc thi hnh khng phi thc hin cc th tc xin
cp li giy php.
2. Cc hp ng bo him giao kt trc ngy Lut ny c hiu lc vn c tip tc thc hin theo quy nh
ca php lut ti thi im giao kt hp ng.

3.20 Chng ch o to i l bo him c cp trc ngy Lut ny c hiu lc vn c gi tr s dng, khng

phi lm th tc chuyn i thnh Chng ch i l bo him.

iu 128. Hiu lc thi hnh

1. Lut ny c hiu lc thi hnh k t ngy 01 thng 4 nm 2001.

2. Nhng quy nh trc y tri vi Lut ny u bi b.

iu 129. Hng dn thi hnh

Chnh ph quy nh chi tit v hng dn thi hnh Lut ny./.

XC THC VN BN HP NHT
CH NHIM

Nguyn Hnh Phc

1 Lut s 61/2010/QH12 sa i, b sung mt s iu ca Lut kinh doanh bo him c cn c ban hnh nh

sau:

Cn c Hin php nc Cng ha x hi ch ngha Vit Nam nm 1992 c sa i, b sung mt s iu

theo Ngh quyt s 51/2001/QH10;

Quc hi ban hnh Lut sa i, b sung mt s iu ca Lut kinh doanh bo him s 24/2000/QH10.

2 Khon ny c b sung theo quy nh ti khon 1 iu 1 ca Lut s 61/2010/QH12 sa i, b sung mt s

iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

3 Khon ny c b sung theo quy nh ti khon 1 iu 1 ca Lut s 61/2010/QH12 sa i, b sung mt s

iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

4 Khon ny c sa i, b sung theo quy nh ti khon 2 iu 1 ca Lut s 61/2010/QH12 sa i, b

sung mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

5 iu ny c sa i, b sung theo quy nh ti khon 3 iu 1 ca Lut s 61/2010/QH12 sa i, b sung

mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

6 iu ny c sa i, b sung theo quy nh ti khon 4 iu 1 ca Lut s 61/2010/QH12 sa i, b sung

mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.
7 iu ny c sa i, b sung theo quy nh ti khon 5 iu 1 ca Lut s 61/2010/QH12 sa i, b sung
mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

8 iu ny c sa i, b sung theo quy nh ti khon 6 iu 1 ca Lut s 61/2010/QH12 sa i, b sung

mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

9 iu ny c sa i, b sung theo quy nh ti khon 7 iu 1 ca Lut s 61/2010/QH12 sa i, b sung

mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

10 Khon ny c b sung theo quy nh ti khon 8 iu 1 ca Lut s 61/2010/QH12 sa i, b sung mt s

iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

11 Khon ny c sa i, b sung theo quy nh ti khon 9 iu 1 ca Lut s 61/2010/QH12 sa i, b sung

mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

12 Khon ny c sa i, b sung theo quy nh ti khon 9 iu 1 ca Lut s 61/2010/QH12 sa i, b sung

mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

13 im ny c sa i, b sung theo quy nh ti khon 10 iu 1 ca Lut s 61/2010/QH12 sa i, b sung

mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

14 iu ny c sa i, b sung theo quy nh ti khon 11 iu 1 ca Lut s 61/2010/QH12 sa i, b sung

mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

15 iu ny c sa i, b sung theo quy nh ti khon 12 iu 1 ca Lut s 61/2010/QH12 sa i, b sung

mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

16 iu ny c sa i, b sung theo quy nh ti khon 13 iu 1 ca Lut s 61/2010/QH12 sa i, b sung

mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

17 Khon ny c sa i, b sung theo quy nh ti khon 14 iu 1 ca Lut s 61/2010/QH12 sa i, b

sung mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

18 iu ny c sa i, b sung theo quy nh ti khon 15 iu 1 ca Lut s 61/2010/QH12 sa i, b sung

mt s iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.

19 iu 2 ca Lut s 61/2010/QH12 sa i, b sung mt s iu ca Lut kinh doanh bo him, c hiu lc k t

ngy 01 thng 7 nm 2011 quy nh nh sau:

iu 2

1. Lut ny c hiu lc thi hnh t ngy 01 thng 7 nm 2011.

2. Chnh ph quy nh chi tit v hng dn cc iu, khon c giao trong Lut; hng dn nhng ni dung
cn thit khc ca Lut ny p ng yu cu qun l nh nc.

20 Khon ny c b sung theo quy nh ti khon 16 iu 1 ca Lut s 61/2010/QH12 sa i, b sung mt s

iu ca Lut kinh doanh bo him, c hiu lc k t ngy 01 thng 7 nm 2011.