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Chng I: khI qut v bo him

I. Cc bin php i ph v x l ri ro

ii. Cc khi nim c bn III. Phn loi bo him IV. Tc dng ca bo him

V. Cc nguyn tc c bn ca bo him
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1.

Cc bin php i ph v x l ri ro

1. Nhm cc bin php kim sot ri ro a. Trnh n ri ro (Risk avoidance) b. Ngn nga, hn ch ri ro(Risk prevention) 2. Nhm cc bin php ti tr ri ro a. Chp nhn ri ro (Risk assumption) b. Chuyn nhng ri ro (Risk transfer)
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1.

Nhm cc bin php kim sot ri ro

Mc ch: ngn chn hoc lm gim thiu kh nng xy ra ri ro hoc lm gim mc tn tht thit hi do ri ro gy ra a. Trnh n ri ro (Risk avoidance) Hn ch:

b. Ngn nga, hn ch ri ro (Risk prevention) Hn ch

2. Nhm cc bin php ti tr ri ro


Mc ch: khc phc tn tht do hu qu ri ro gy ra a. Chp nhn ri ro (Risk assumption) Chp nhn ri ro th ng: khng c s chun b trc i ph vi hu qu ca RR khng phi bin php ti tr ri ro Chp nhn ri ro ch ng: d tr tin khc phc hu qu ca RR khi n xy ra bin php ti tr ri ro T bo him: - C nhn, h gia nh: - Doanh nghip, t chc kinh t: 4

2. Nhm cc bin php ti tr ri ro b. Chuyn nhng ri ro (Risk transfer) Lp qu d tr chung trong mt cng ng: - Bn cht: - Hn ch: Bo him (Insurance): - L hnh thc pht trin cao hn ca CNRR

Khc phc hn ch ca cc bin php khc


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II. Cc khi nim c bn

1. Bo him (Insurance) 2. Ti bo him (Re-Insurance) 3. Bn bo him Ngi bo him (Insurer) 4. Bn c bo him (Insured/Assured) 5. i tng bo him (Subject-matter insured) 6. Tr gi bo him (Insurance Value - V) 7. S tin bo him (Insurance Amount - A) 8. Ph bo him (Insurance Premium - I) 9. Ri ro (Risk) 10.iu kin bo him 6

1. a. nh ngha

Bo him (Insurance)

Insured (Ngi c BH)

I HBH
KBH

Insurer (Ngi BH)

TBH

bi thng khi RRBH xy ra


Quy trnh nghip v bo him
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1.

Bo him (Insurance)

a. nh ngha Bo him l mt ch bi thng v mt kinh t, trong ngi bo him cam kt s bi thng cho ngi c bo him nhng tn tht ca i tng bo him do cc ri ro tho thun gy ra, vi iu kin ngi c bo him ng mt khon tin, gi l ph bo him cho i tng bo him v theo iu kin bo him quy nh. Tho lun:
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1. b.

Bo him (Insurance)

Tnh cht: Bo him l mt ngnh kinh doanh i tng kinh doanh ca bo him l ri ro Bo him l s di chuyn ri ro t ngi c bo him sang cho ngi bo him Bo him l s phn tn ri ro, chia nh tn tht, tun theo quy lut s ln Bo him l mt bin php kinh t nhm gii quyt hu qu ca ri ro v mt ti chnh 9

2.

Ti bo him (Re - Insurance)

L phng thc trong ngi bo him nhng mt phn trch nhim chp nhn vi ngi c bo him sang cho mt hay nhiu ngi bo him khc trn c s nhng li mt phn ph bo him thng qua hp ng ti bo him.

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3.

Bn bo him Ngi bo him (Insurer)

L ngi kinh doanh dch v bo him, l ngi nhn trch nhim v ri ro t hp ng bo him C quyn thu ph bo him Phi bi thng khi s kin bo him xy ra. Hnh thc ca doanh nghip BH

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4.

Bn c bo him (Insured)

Ngi tham gia BH: trc tip k kt HBH v np ph bo him Ngi c BH: c ti sn, TNDS, tnh mng c BH theo mt HBH Ngi th hng BH: c nhn tin bi thng khi s kin BH xy ra

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5.

i tng bo him (Subject-matter insured)

L i tng nm trong tnh trng chu s e do ca ri ro 3 loi TBH: + Ti sn: + Con ngi:

+ Trch nhim dn s:
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6.

Tr gi bo him (Insurance Value - V) L tr gi bng tin ca ti sn, thng c xc nh bng gi tr thc t ca ti sn ti thi im k kt HBH. - TS mi: - TS qua s dng:

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S tin bo him (Insurance Amount A) L mt khon tin do ngi c BH yu cu v c ngi BH chp nhn, c ghi trong HBH, nhm xc nh gii hn trch nhim ca ngi BH trong bi thng hoc tr tin BH Vi BH TNDS v BH con ngi:

Vi BH ti sn:
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8.

Ph bo him (Insurance Premium - I)


L khon tin m tham gia bo him phi tr nhn c s bo m trc cc ri ro c ngi BH chp nhn. Cng thc:

R: R do cng ty BH xc nh trn c s:
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9.

Ri ro (Risk)

- Khi nim: l nhng mi nguy him bt trc m con ngi khng lng trc c v l nguyn nhn dn n tn tht. - Tnh cht:

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10. iu kin bo him


- Khi nim: l s quy nh trch nhim ca ngi bo him i vi i tng bo him v cc mt:

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III. Phn loi bo him

1. Cn c vo c ch hot ng ca bo him 2. Cn c vo hnh thc tham gia 3. Cn c vo i tng bo him 4. Cn c vo phm vi hot ng
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1.

Cn c vo c ch hot ng ca bo him

1.1. Bo him x hi L s m bo thay th hoc b p mt phn thu nhp i vi ngi lao ng khi h gp phi nhng bin c lm gim hoc mt kh nng lao ng hay b mt vic. i tng BHXH: i tng tham gia BHXH: Ngi bo him:
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1.

Cn c vo c ch hot ng ca bo him

1.2. Bo him thng mi i tng BH: Ngi tham gia BH: Ngi BH:

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2.

Cn c vo hnh thc tham gia bo him

2.1. Bo him bt buc L loi hnh BH do nh nc quy nh v KBH, mc ph BH v STBH ti thiu m ngi tham gia BH v ngi BH bt buc phi thc hin i tng tham gia BH: Ngi BH:

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2.

Cn c vo hnh thc tham gia bo him

2.1. Bo him bt buc Cc loi hnh BH bt buc: - BHTNDS ca ch xe c gii - BHTNDS ca ngi vn chuyn hng khng i vi hnh khch - BHTN ngh nghip i vi hot ng t vn php lut - BHTN ngh nghip ca DN mi gii BH - BH chy, n 2.2. BH t nguyn Khng mang tnh bt buc 23

3.

Cn c vo i tng bo him

Bo him ti sn Bo him TNDS Bo him con ngi

4. Cn c vo phm vi hot ng Bo him i ni Bo him i ngoi

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5.

Cn c vo mt lnh vc

5.1.Lnh vc hng hi BH hng hi BH phi hng hi

5.2.Tui th, sinh mng BH nhn th BH phi nhn th

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IV. Tc dng ca bo him

1. Bi thng, gp phn n nh i sng, phc hi SXKD 2. To ra tm l an tm trong hot ng kinh t v i sng x hi 3. Tp trung vn, gp phn p ng cc nhu cu v vn trong XH 4. Tng cng cng tc phng, ngn nga ri ro, hn ch tn tht 5. Tng thu v gim chi cho ngn sch nh nc 6. Thu ht mt s lng ln lao ng, gp phn gim bt tnh trng tht nghip cho x hi26

V. Cc nguyn tc c bn ca bo him

1. Bo him ch bo him 1 ri ro ch khng bo him 1 s chc chn (fortuity not certainty) 2. Nguyn tc trung thc tuyt i (utmost good faith) 3. Nguyn tc li ch bo him (insurable interest) 4. Nguyn tc bi thng (Indemnity) 5. Nguyn tc th quyn (Subrogation) 27 6. Nguyn tc gp phn

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Bo him ch bo him mt ri ro ch khng bo him mt s chc chn

Ri ro c th c BH: - Ngu nhin, c xc sut - Khng phi l ri ro .. - Phi c tnh .. - Khng gy . - Khng tri vi cc v cc - RRBH l dn n tn tht 28

2.

Nguyn tc trung thc tuyt i

ND: C ngi BH ln ngi tham gia BH u phi tuyt i trung thc, chn thnh vi nhau v tin tng ln nhau tin ti k kt v thc hin HBH. Nu mt trong hai bn vi phm th H k tr nn khng c hiu lc. Yu cu i vi ngi c bo him: - khai bo y , trung thc v TBH - thng bo b sung kp thi khi c s gia tng ri ro hay lm pht sinh thm trch nhim BH - khng c mua BH khi
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2.

Nguyn tc trung thc tuyt i

Yu cu i vi ngi bo him: - Cng khai, gii thch cc iu kin, nguyn tc, th l, gi c BH - chu trch nhim nu s dng t ng khng r rng - Khng c nhn BH khi .

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3.

Nguyn tc li ch bo him

ND: Ch nhng ngi c li ch BH th mi c k kt HBH v H mi c gi tr php l. Li ch BH l quyn li c lin quan n, gn lin vi hay ph thuc vo s an ton hay khng an ton ca TBH.

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4.

Nguyn tc bi thng

Bi thng kp thi:

Bi thng y : khi phc li cho ngi c bo him tnh trng ti chnh nh ngay trc khi ri ro xy ra, nhng m bo tun th cc iu khon ca HBH.
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4.

Nguyn tc bi thng

iu khon ca HBH ngn cn ngi BH thc hin bi thng y : BH di gi tr iu khon mc min thng MMT l mt s tin nht nh hay mt t l phn trm ca A hoc V c quy nh trong HBH m nu tn tht xy ra di mc th ngi BH khng chu trch nhim.33

4.

Nguyn tc bi thng

Mc ch quy nh MMT Phng php bi thng: + Bi thng c khu tr + Bi thng khng khu tr Khng p dng NT bi thng cho:

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5.

Nguyn tc th quyn (Subrogation)

ND: ngi BH, sau khi bi thng, c php thay mt ngi c BH i i ngi th ba bi thng phn tn tht thuc TN ca ngi trong phm vi s tin tr cho ngi c BH Tc dng:

iu kin thc hin th quyn:


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