Trục lợi bảo hiểm xe cơ giới tại tổng công ty bảo hiểm bảo việt

TRUONG DAI HOC KINH TE QUOC DAN NGUYEN THU THU^™ TT THONG TIN TH IfVIEN PHONG LOAN AN - TU LIEU TRUC LOI BAO HIEM XE CO Gl6l TAI • • • TONG CONG TY BAO HIEM BAO VIET r Chuyen nganh: Kinh te Bao hiem THS Ngirii hiring dan khoa hoc: TS PHAM THI DINH Ha Noi - 2013 MUC LUC • • Trang lOi CAM ON DANH MUC CAC TU VIET TAT DANH MUC CAC BANG DANH MUC SO DO LOI MO DAU CHUONG 1: KHAI QUAT CHUNG VE BAO HIEM XE CO GlOl VA VAN DE I ’ RUC LOI TRONG BAO HIEM XE CO GlOl 1.1 Su can thiet va tac dung cua bao hiem xe co gioi 1.1.1 Su can thiet cua bao hiem xe co gioi 1.1.2 Tac dung cua bao hiem xe co gioi 1.2 Cac san pham bao hiem xe co gioi 1.3 Van de truc loi bao hiem xe co gioi 13 1.3.1 Khai niem va dac diem truc loi bao hiem xe co gioi 13 1.3.2 Cac hinh thuc truc loi bao hiem xe co' git^i 17 1.3.3 Nguyen nhan truc loi bao ' hiem xe co gioi 20 1.3.4 Hau qua truc loi bao hiem 21 CHUONG 2: THUC TRANG TRUC LOI BAO HIEM XE co GlOl TAI TONG CONG TY BAO HIEM BAO VIET 23 2.1 Gioi thieu Tong cong ty bao hiem Bao Viet 23 2.1.1 Lich su hinh va phat trieii 223 2.1.2 Co cau to chuc 24 2.1.3 Ket qua hoat dong kinh doanh cua Bao hiem Bao Viet (2009 -2012) 26 2.2 Tinh hinh trien khai bao hiem xe co gioi tai Bao hiem Bao Viet 27 2.2.1 Khai thac bao hiem 28 2.2.2 Giam dinh, boi thuong ton that 29 2.2.3 Ket qua va hieu qua kinh doanh (giai doan 2009-2012) 44 2.3 Thuc trang truc loi bao hiem xe co' gioi tai Bao hiem Bao Viet 455 2.3.1 Hinh thuc truc loi bao hiem 45 2.3.2 Tinh hinh truc loi bao hiem 2.3.3 Nguyen nhan va hau quit 54 2.4 Bien phap phong chong truc loi bao hiem XCG Bao hiem Bao Viet da ap dung 256 CHU'ONG 3: GIAI PHAP VA KIEN NGH1 NHAM HAN CHE TINH HINH TRUC L0I BAO HIEM XE CO Gldl TAI TONG CONG TY BAO HIEM BAO VIET 61 3.1 Dinh hubng phat trien bao hiem xe co' gibi tai Bao hiem Bao Viet 61 3.2 Thuan lai va kho khan cua Bao hiem Bao Viet cong tac phong chong true lo'i bao hiem xe co gibi 63 3.2.1 Thuan lai 63 3.2.2 Kho khan 64 3.3 Giai phap chu yeu han che truc lai bao hiem xe co gibi tai Bao hiem Bao Viet 66 3.3.1 ThOng nhat va thuc hien nghiem ngat quy trinh trien khai bao hiem xe co gioi toan he thong cua Bao hiem Bao Viet de quan ly tot cong tac boi thubig 66 3.3.2 Hoan thien cong tac giam dinh va boi thubng 69 3.3.3 Dao tao va dao tao lai doi ngu can bo 71 3.3.4 Nang cap ung dung cong nghe thong tin vao quan ly 76 3.3.5 Chan chinh he thong truc tai nan 24/24 78 3.3.6 Nang cao hieu qua cong tac quan ly an chi 78 3.3.7 Su phoi hop gitra cac doanh nghiep bao hiem 79 3.4 Kien nglh .80 3.4.1 Kien nghi doi voi co quan nha nubc 100 3.4.2 Doi voi hiep hoi bao hiem Viet Nam 81 KET LU AN 83 TAI LIEU THAM KHAO .84 PHU LUC 85 LO’I CAM DOAN Toi xin cam doan rang: So lieu va ket qua nghien cuu luan van la hoan toan trung thuc va chua duoc su dung de bao ve mot hoc vi nao tai Viet Nam Toi xin cam doan rang: Moi su giup cho viec thuc hien luan van da duoc cam on va moi thong tin luan van da duoc chi ro nguon goc Ha Noi, 10 thang 12 nam 2013 Tac gia luan van Nguyen Thu Thuy LO‘I CAM ON Truoc het toi xin chan cam on toan the cac Giao su, Pho giao su, Tien sy, giang vien truong Dai hoc Kinh te quoc dan da trang bi cho toi nhung kien thuc co ban de toi hoan nhiem vu hoc tap cua minh De hoan luan van thac sy nay, toi da 'dupc su chi dan tan tinh cua Tien sy Pham Thi Dinh Toi xin gui toi Tien sy Pham Thi Dinh loi cam on tran nhat Toi cung xin chan -thanh cam on ban lanh dao, can bo cac phong ban phong ke toan tai chinh cua Tong cong ty bao hiem Bao Viet da giup va tao dieu kien cho toi viec thu thap so lieu de lam luan van Cuoi cung, toi xin bay to long cam on sau sac toi ban be, dong nghiep, gia dinh da giup toi qua trinh hoc tap va thuc hien luan van thac sy Toi xin chan cam o'n! Tac gia luan van Nguyen Thu Thuy DANH MUC CAC TU VIET TAT r STT Chit’ viet tat \ Chit viet (lay du DNBH : Doanh nghiep bao hiem BHXCG : Bao hiem xe co’ gidi BHVCXCG : Bao hiem vat chat xe co gid DANH MUC CAC BANG Trang Bang 2.7: Tinh hinh truc lai bao hiem VCXCG tai Bao hiem Bao Viet vi Bang 2.8: Hieu qua kinh doanh BHVCXCG neu khong phat hien duac truc lai cua Bao hiem Bao Viet (giai doan 2009-2012) vii Bang 1.1: Tinh hinh tai nan giao thong a nuac ta (giai doan 2006-20122 .4 Bang 2.1 Ket qua hoat dong kinh doanh cua Bao hiem Bao Viet (2009-2012) 26 Bang 2.2: Doanh thu nghiep vu BHVCXCG Bao hiem Bao Viet 28 (giai doan 2009-2012) 28 Bang 2.3: Tinh hinh thuc hien cong tac giam dinh bao hiem vat chat xe cu giai tai Bao hiem Bao Viet (Giai doan 2009-2012) 36 Bang 2.4: Tinh hinh thuc hien cong tac boi thuang BHVCXCG tai Bao Viet 42 Bang 2.5: Ket qua va hieu qua kinh doanh BHVCXCG cua Bao hiem Bao Viet (giai doan 2009-2012) 44 Bang 2.6: Thuc trang cac hinh thuc truc lai BHVCXCG tai Bao hiem Bao Viet 49 Bang 2.7: Tinh hinh truc lai bao hiem VCXCG tai Bao hiem Bao Viet 52 Bang 2.8: Hieu qua kinh doanh BHVCXCG neu khong phat hien duoc truc lai cua Bao hiem Bao Viet (giai doan 2009-2012) 55 DANH MUC SO DO Trang Sa 1: Bo may to chuc cua Bao hiem Bao Viet 25 Sa 2.2: Quy trinh giam dinh BHXCG tai Bao hiem Bao Viet 31 Sa 2.3: Quy trinh giai quyet boi thuang BHXCG tai Bao hiem Bao Viet 38 TOM TAT LUAN VAN • Nganh giao thong van tai la mot nhung nganh then chot phat trien kinh te xa hoi o nudc ta, la ban dap de thuc hien cong nghiep hoa, hien dai hoa dat nude Trong do, xe co gidi, co so luong luu hanh ldn, luon nam vi tri quan trong nganh giao thong van tai Tuy nhien, ma so luong xe tang manh co so tang (nhu dudng xa, cau cong ) lai chua phat trien kip theo, cong them vdi y thuc tham gia giao thong kem cua ngudi dan, da khien cho tai nan giao thong dudng bo o nudc ta dang tro van de "nong" De giup nhung ngudi bi nan khac phuc hau qua tai nan, cung nhu gop phan vao viec dam bao an toan giao thong dudng bo o nudc ta noi chung, bao hiem xe co gidi la mot nhung bien phap duoc danh gia la da va dang mang lai nhieu ket qua va hieu qua Hien Bao hiem xe co gidi la nghiep vu bao hiem duoc trien khai o tat ca cac doanh nghiep bao hiem phi nhan tho o Viet Nam, la nghiep vu luon chiem ty doanh thu cao tai cac doanh nghiep Tuy nhien co mot thuc te, day cung la nghiep vu xay tinh trang truc loi bao hiem nhieu nhat, lam anh huong sau sac den ket qua cung nhu hieu qua kinh doanh cua cac doanh nghiep, anh huong xau den su phat trien lanh manh cua thi trudng bao hiem Viet Nam Xuat phat tu van de thuc tien do, tac gia da chon de tai: “Truc loi bao hiem xe co gidi tai Tong cong ty bao hiem Bao Viet” de nghien cuu vdi muc tieu la dua duoc cac giai phap va cac kien nghi nham han che tinh trang truc loi bao hiem xe co gidi tai Bao hiem Bao Viet Dong thdi tac gia cung hy vong rang, cac giai phap cung se co the duoc ap dung xem xet tai cac doanh nghiep bao hiem khac tren thi trudng - Doi tuong nghien cuu: truc loi bao hiem cua nghiep vu bao hiem xe co gidi gan lien vdi thuc tien tai Tong Cong ty bao hiem Bao Viet - Pham vi nghien cuu: + Do han che ve mat so lieu nen de tai chi nghien cuu thuc trang truc loi bao hiem vat chat xe co gidi tai Bao Viet ma khong nghien cuu doi vdi cac nghiep vu bao 77 thu phi, boi thudng, dich vu sau ban hang Vdi nhung uu viet nay, phan mem se mang lai nhieu gia tri gia tang, su thuan tien cho khach hang cua Bao hiem Bao Viet Trong do, Trung tam Dieu hanh tap trung (COC-Centralised Operation Center) dong mot vai tro quan Khi COC di vao hoat dong, can bo phong khai thac khu vuc va dai ly khai thac khong thuc hien cap don true tiep, phan cong viec se Trung tam Dieu hanh tap trung thuc hien Bao hiem Bao Viet van hanh phan mem quan ly he thong hop dong bao hiem phi nhan tho tai Tru sd chinh va Cong ty Bao Viet Ha Noi Day la mot dau moc quan cua du an noi rieng, cua hoat dong cong nghe thong tin cua Bao Viet noi chung, gop phan vao viec trien khai cac du an ldn giup hoan xay dung co sd tang va cac phan mem nghiep vu theo tieu chuan quoc te huong toi cung cap nen tang cong nghe thong tin tap trung cho toan Tap doan va ho tro kip thdi, hieu qua hoat dong kinh doanh cua cac don vi Phan mem bao hiem phi nhan tho di vao hoat dong on dinh se giup xay dung co sd du lieu khach hang tao su ket noi toan Tap doan cung nhu tai Bao hiem Bao Viet, gop phan dap ung nhu cau cua khach hang mot each nhanh chong nhat Su cong horn co duoc la nhd Bao Viet da ddu tu mot each hieu qua nguon luc tai chinh, dac biet la nguon nhan luc co kinh nghiem vao du an quan Cung vdi la phan mem quan ly he thong hop dong bao hiem nhan tho va phan mem ke toan, phan mem quan ly he thong hop dong bao hiem phi nhan tho dupe van hanh va trien khai tren dien rong cong se tro mot cong cu manh me cho Bao Viet thi trudng cang canh tranh; giup chuan hoa cac san pham va boat dong kinh doanh theo tieu chuan quoc te cung nhu giup kiem soat quan ly va linh hoat thich ung vdi thi trudng Trong qua trinh van hanh cac phan mem tren phat hien bat cap thi Bao hiem Bao Viet phai tim each giai quyet va khac phuc cho triet de nhat de han che true loi bao hiem 78 Thong qua dau tu- thich dang va bai ban vao CNTT Tap doan Tai chinh - Bao hiem Bao Viet muon khang dinh cam ket cua minh viec khong ngung nang cao chat luong san pham va dich vu cung cap cho khach hang, lien tuc tao su khac biet tang cudng nang luc canh tranh, chuyen nghiep hoa quan tri dieu hanh kinh doanh va giu vung vi the la Tap doan cung cap cac dich vu Tai chinh - Bao hiem hang dau tai Viet Nam va khu vuc 3.3.5 Chan chinh he thong true tai nan 24/24 Viec chan chinh he thong true tai nan 24/24 can phai duoc tien hanh tung budc Truoc tien la nghiem cuu cac md hinh to chuc cua tat ca cac cong ty de tim mot md hinh dat hieu qua nhat, sau huong dan thong nhat thuc hien tren toan quoc Hien nay, md hinh cho thay co hieu qua nhat la phong giam dinh boi thudng to chuc ca true 24/24, mot ca theo gid hanh chinh va mot ca ngoai gid hanh chinh, theo so dien thoai di dong vdi cac can bo la nhung ngudi co kinh nghiem co the nhanh chong huong dan khach hang nhung trudng hop kho khan nhu trdi toi khuya, dia hinh vang ve hoac tai nan lien quan den ngudi thu ba Cac can bo cd the trao ddi va cu can bo boi thudng cdng ty duoc phan bd d nhung phong khu vuc khac kip thdi den phuc vu khach hang Dam bao viec cd mat hien trudng nhanh nhat co the can thiet Cac quy dinh cd lien quan den viec true dien thoai, buy dong can bo giam dinh, giai quyet cac vu viec cung can phai duoc lam van ban huong dan de moi can bo deu nam duoc tinh than trien khai cdng viec r 3.3.6 Nang cao hieu qua cong tac quein ly an chi - Toan bo an chi cac phong, chi nhanh nhan tu cdng ty deu phai vao sd theo doi Rieng ddi vdi sd dem su dung phai theo doi dupe ddi tuong su dung, thdi gian su dung va phai co quyet toan An chi xuat dung su dung khong het nop lai kho - Mdi cdng ty vien phai cu can bo theo doi va quan ly an chi, don doc kiem tra va quyet toan an chi vdi cac dai ly va vdi cac cdng ty vien 79 - Chi duoc giao cho dai ly nhung loai an chi duoc phep giao theo quy dinh cua Bao hiem Bao Viet Doi voi nhung an chi co so tien lon thuong de gay truc loi bao hiem, Tong cong ty can han che quan ly tai phong bao hiem khu vuc ma quan ly tap trung tai Tong cong ty - So luong an chi giao cho dai ly phai can cu theo tung an chi va doi tuong lam dai ly Trong cac truong hop so luong lon hon mot thi tong cong ty can co cac quy dinh chat che de tranh cac hien tuong tieu cuc xay - Thoi gian quyet toan phai gan voi viec nop phi bao hiem Trong thoi gian chua nop duoc phi ve phong, dai ly phai thong bao so phi, so don bao hiem de dua vao so theo doi tai phong - Phuong thuc quyet toan tung to: Khi quyet toan phai kiem tra thoi gian ghi ' tren an chi, tuan tu thoi gian mot quyen, doi chieu thoi gian ghi tren an chi voi thoi gian dai ly bao ve cua nhung an chi khong quyet toan ngay, doi chieu xac nhan so tien ghi tren an chi voi so phi thuc te thu - Kiem tra viec su dung an chi cUa dai ly dinh ky hoac nghi ngo cac hien tuong truc loi bao hiem Tong cong ty phai tien hanh kiem tra viec ghi chep va phat hanh hoa don cua dai ly, doi chieu thoi gian va noi dung ghi tren lien goc va lien giao cho khach hang r •> 3.3.7 Sicphoi hop ciiea cac doanh nphiep bao hiem Truoc het Bao hiem Bao Viet chong truc loi bao hiem chinh cac cong ty vien cua minh bang cach tang cuong hoat dong quan tri noi bo Moi nghiep vu bao hiem can phai co so tay cam nang huong dan khai thac, giam dinh, boi thuong thong nhat phat cho moi can bo, nhan vien; nang cao chat luong cong tac giam dinh boi thuong: tang cuong dau tu co so vat chat, trang thiet bi ky thuat phuc vu cho cong tac giam dinh; nang cao trinh nghiep vu cUa cac giam dinh vien; viec giam dinh, boi thuong can phai tuan thU chat che cac quy trinh giam dinh, boi thuong cua DN Cung voi la viec phat trien nguon nhan luc: tap trung cho cong tac tuyen dung, dao tao va 80 nang cao nghiep vu cung nhu luan chuyen can bo nghiep vu, dac biet la can bo giam dinh, boi thudng bao hiem, dam bao viec xu ly cong viec cong khai, minh bach; nang cao ung dung cong nghe thong tin: xay dung he thong cong nghe thong tin va phan mem quan ly bao hiem chuyen nghiep, hien dai, ket noi toan he thong, giup quan ly thong tin khach hang mot cach chinh xac, day du, dong thdi giup DN phan tich va quan ly rui ro mot cach hieu qua Tai cac DNBH ldn nhu BaoViet Life, Prudential, AIA, Manulife van co nhung buoi gap gd, chia se kinh nghiem, trao doi thong tin, gidi thieu moi quan he cong tac, chia se thong tin, chung cu de ho tro hoan nhiem vu Tuy nhien, nhung hoat dong mdi chi mang tinh ca nhan, tu phat va vu viec don le ma chua hinh duoc mot he thong thong tin thi trudng Viec trao doi thong tin can thiet ve khach hang, ve nhung bien phap de cung doi vdi te truc loi bao hiem giua cac DN hau nhu khong co Day la dieu kien thuan loi de ke gian loi dung Vi vay, khach hang tham gia bao hiem trung lap d nhieu DN, xay tai nan, ho doi boi thudng d nhieu DN bao hiem ma van khong bi phat hien Vi vay bien phap huu hieu nhat de chong truc loi bao hiem xe co gidi la co su phoi hop giua cac DNBH 3.4 Kien nghi r r 3.4.1 Kien nghi doi vd'i co' quan nha mro'c - Co quan quan ly nha nudc ve kinh doanh bao hiem ma truc tiep la Cuc giam sat quan ly bao hiem - Bo tai chinh can phai tang cudng hieu qua quan ly nha nudc thong qua he thong xu phat nghiem khac doi vdi nhung ca nhan va to chuc co hanh vi truc loi bao hiem Nhu hien mdi chi co nghi dinh xu phat hanh chinh, hanh vi truc loi bao hiem chi bi canh cao hoac phat tien tu 90.000.000 dong den DO.000.000 dong doi vdi hanh vi gian doi, gia mao tai lieu ho so yeu cau boi thudng, tra tien bao hiem da nhan tien boi thudng, tra tien boi thudng (Khoan dieu 14 nghi dinh so 98/2013/ND-CP 28/8/2013) Bo luat hinh su chua co dieu luat nao quy dinh cu 81 the ve toi true loi bao hiem Doi tuong true loi bao hiem chi bi xu ly voi toi danh lien quan nhu tham o, hoi lo, chiem doat tai san, Vi vay, Hiep hoi bao hiem Viet Nam va Cue quan ly giam sat baohiem can som kien nghi sua doi luat hinh su quy dinh hanh vi true loi bao hiem “chua dat da hoan thanh” van phai chiu trach nhiem hinh su - Quy dinh ro cac truong hop se cau toi pham nguoi duoc bao hiem hoac nguoi thu huong thuc hien hanh vi gian doi nghiem lien quan den viec lam gia tai lieu ve doi tuong duoc bao hiem, tao hien truong gia, gia mao hoac thay doi giay chung nhan, tai lieu, chung cu Nhung co so phap ly se giup DNBH va co quan chuc nang xu ly, ran de hieu qua hanh vi gian lan, gop phan xay dung thi truong bao hiem phat triem minh bach, ben vung - Co quan quan ly giao thong can phai co nhung bien phap quan ly chat che hon nua cong tac cap giay phep lai xe va giay phep luu hanh xe Hien van ton tai mot so luong khong nho cac xe da qua thoi han su dung, chat luong khong dam bao de luu thong nhien van duoc cap giay phep de luu hanh Day la nguon rui ro rat lon cho- giao thong van tai noi chung va nghiep vu bao hiem xe co gioi ma dac biet la bao hiem vat chat xe co gioi, dan den truc loi bao hiem Va co hinh phat thich dang doi voi Canh sat giao thong viec khong lam tron chuc trach, nhiem vu cong viec lai tiep tay cho cac doi tuong de truc loi BHVCXCG 3.4.2 Ddi voi hiep /itii bao hiem Viet Nam Hiep hoi bao hiem Viet Nam la co quan dau moi de su dung cac nguon quy cac cdng ty bao hiem dong gop nham nang cao nhan thuc cua nguoi dan ve bao hiem xe co gioi noi chung va bao hiem vat chat xe co gioi noi rieng La co quan dau moi phoi hop cung uy ban an toan giao thong quoc gia de trien khai cac du an an toan giao thong Voi nhiem vu quan nhu, Hiep hoi bao hiem Viet Nam can co tieng noi tich cuc cac dien dan an toan giao thong duong bo Day manh cac hoat dong 82 phong chong tai nan giao thong, dac biet la hoat dong thao • go cac diem den ve an toan giao thong tren cac quoc lo Hiep hoi bao hiem Viet Nam cung la co quan co kha nang phoi ket hop cac cong ty bao hiem tren toan thi truong de lam tot cong tac dau tranh phong chong truc loi bao hiem Dac biet la viec yeu cau cac co quan co chuc nang nhung van ban xu ly, che tai doi vdi cac ca nhan, to chuc co hanh vi truc loi bao hiem Hiep hoi bao hiem Viet Nam nen sdm lap ban phOng chong truc loi bao hiem bao gom dai dien bo phan nghiep vu cua cac doanh nghiep bao hiem de chia se thong tin va ho tro nghiep vu Yeu cau cac doanh nghiep dinh ky hang thang, quy thong bao vdi Hiep hoi bao hiem de theo doi, thiet lap danh sach cac dai ly vi pham quy che hoac vi pham phap luat va da bi doanh nghiep cham dut hop dong dai ly, cac nhan to chuc truc loi bao hiem cho vao danh sach den, Hiep hoi bao hiem Viet Nam nen sdm Xay dung mot phan mem chung cho tat ca cac DNBH tren thi truong nhap du lieu khach hang cua minh va cung khai thac thong tin lich su ton that cua khach hang Xay dung mot danh sach du lieu khach hang da duoc Hiep hoi bao hiem va cac DNBH ban den kha lau nhung den van chua duoc ap dung Co the cac DNBH canh tranh de tang thi phan nen khong quan tam den viec khai thac du lieu chung cua thi truong ve khach hang, bat chap khach hang dang nam danh sach den cua DNBH khac van moi ve lam khach cua DN minh Tuy nhien, hien tinh hinh truc loi bao hiem vat chat xe co gidi dang tang len o muc bao dong, hon het cac DNBH mdi thay duoc du lieu danh sach khach hang la vo cung can • thiet de bao ve doanh nghiep khoi bi truc loi bao hiem Phong chong truc loi bao hiem la trach nhiem cua tat ca cac doanh nghiep bao hiem va cua toan nganh, cac doanh nghiep can co cam ket manh me de han che cac ton that gay truc loi bao hiem va hop tac chat che de lam giam thieu cac hanh vi truc loi Su hop tac co tac dong to ldn viec ran de va dua vao thong diep manh me 83 ♦ khong chi voi nhung khach hang du dinh thuc hien hanh vi true loi ma chinh cac nhan vien nganh 84 KET LUAN • Trong boi canh canh tranh gay gat va phuc tap cua thi truong bao hiem Viet Nam, dac biet la truoc sue ep cua qua trinh hoi nhap voi nen kinh te the gidi, viec phong chong true loi bao hiem xe co gidi la van de het sue cap bach ddi vdi Tong cdng ty bao hiem Bao Viet Thong qua viec nghien cuu ly luan cung nhu thuc trang true lpi bao hiem nghiep vu bao hiem xe co gidi tai Tong cdng ty bao hiem Bao Viet, luan van rut mot sd ket luan nhu sau: - Bao hiem xe co gidi co vai tro quan trong ddi song cua ca nhan gia dinh xa hoi - True lpi bao hiem cang tinh vi nen can co nhung bien phap de ngan ngira, phong chong true lpi bao hiem - Thong qua viec nghien cuu, di sau vao phan tich thuc trang true lpi bao hiem xe co gidi tai Tong Cdng ty Bao hiem Bao Viet, luan van de xuat mot sd giai phap nham phong chong true lpi bao hiem xe co gidi phu hop vdi dinh huong phat trien cua Tong Cdng ty Bao hiem Bao Viet Do thdi gian nghien cuu va kha nang nghien cuu cua tac gia la han che nen luan van khong tranh khoi nhung khiem khuyet Tac gia luan van mong muon nhan dupe cac y kien gop y cua Thay, Cd va chuyen gia de luan van dupe hoan thien hon 85 TAI LIEU THAM KHAO • Nguyen Van Dinh (2008), Giao trinh Bao hiem, NXB Dai hoc KTQD, Ha Noi Nguyen Van Dinh (2004), Giao trinh Quan tri kinh doanh bao hiem, NXB Dai hoc KTQD, Ha Noi Tong cong ty Bao hiem Bao Viet (2009-2011), bao cao thudng men Tong cong ty Bao hiem Bao Viet, quy tac bao hiem Tai lieu cua uy ban an toan giao thong quoc gia Mot so tai lieu khac 86 PHU• LUC • PHU LUC BIEU PHI BAO HIEM BAT BUOC TRACH NHIEM DAN SU' CUA CHU XE co GIOI (Ban hanh kem theo Thong tu so 151/2012/TT-BTC 12 thang nam 2012 cua Bo Tai chinh) So tt Loai xe Phi bao hiem nam (dong) I Mo to banh Tu' 50 cc tro xuong 55.000 Tren 50 cc 60.000 II Xe mo to ba banh, xe gan may va cac loai xe co' gio'i tuong 290.000 tu III Xe o to khong kinh doanh van tai Loai xe duoi cho ngoi 397.000 Loai xe tu den 11 cho ngoi 794.000 Loai xe tu 12 den 24 cho ngoi 1.270.000 Loai xe tren 24 cho ngoi 1.825.000 Xe vua cho nguoi vua cho hang (Pickup, minivan) IV 933.000 Xe o to kinh doanh van tai Duoi cho ngoi theo dang ky 756.000 cho ngoi theo dang ky 929.000 cho ngoi theo dang ky 1.080.000 cho ngoi theo dang ky 1.253.000 87 cho ngoi theo dang ky 1.404.000 10 cho ngoi theo dang ky 1.512.000 11 cho ngoi theo dang ky 1.656.000 12 cho ngoi theo dang ky 1.822.000 13 cho ngoi theo dang ky 2.049.000 10 14 cho ngoi theo dang ky 2.221.000 11 15 cho ngoi theo dang ky 2.394.000 12 16 cho ngoi theo dang ky 2.545.000 13 17 cho ngoi theo dang ky 2.718.000 14 18 cho ngoi theo dang ky 2.869.000 15 19 cho ngoi theo dang ky 3.041.000 16 20 cho ngoi theo dang ky 3.191.000 17 21 cho ngoi theo dang ky 3.364.000 18 22 cho ngoi theo dang ky 3.515.000 19 23 cho ngoi theo dang ky 3.688.000 20 24 cho ngoi theo dang ky 3.860.000 21 25 cho ngoi theo dang ky 4.011.000 Tren 25 cho ngoi 22 4.011.000 + 30.000 x (so cho ngoi - 25 cho) o to cho- hang (xe tai) V Xe Dudi tan 853.000 88 Ru den tan 1^(50.000 Rren den 15 tan 2.288.000 Rren 15 tan 2.916.000 VI BIEU PHI TRONG MOT SO TRUING HOP KHAC Xe tap lai Ri'nh bang 120% cua phi' xe cung chung loai quy dinh muc III va muc V Xe Raxi Ri'nh bang 150% cua phi xe kinh doanh cung so cho ngoi quy dinh tai muc IV Xe o to chuyen dung - Hhf bao hiem cua xe cuu thuong duoc tinh bang phi bao hiem cua xe pickup - Hhi bao hiem cua xe cho tien duoc tinh bang phi bao hiem cua xe dudi cho ngoi quy dinh tai muc III - Hhi bao hiem cua cac loai xe chuyen dung khac duoc tinh bang phi bao hi£m cua xe cho hang cung tai quy dinh tai muc V Hau keo ro-mooc Ri'nh bang 130°% cua phi xe tai tren 15 tan, Hhi bao hiem cua xe d£u keo ro-mooc la phi cua ca dau keo va ro-mooc Xe may chuyen dung Ri'nh bang phi bao hiem cua xe cho hang dudi tdn quy dinh tai muc V Xe buyt Ri'nh bang phi bao hiem cua xe khong kinh doanh van tai cung so cho ngoi quy dinh tai muc III (Phi bao hiem tren day chua bao gom 10% thue Gia tri gia tang) 89 Phu luc 2: Bieu phi bao hiem vat chat -xe o to TY LE PHI BAO HIEM (%) STT NHOM LOAI XE/MUC DICH SU’ DUNG XE Bao hiem Bao toan hiem bo xe than vo Nhom loai xe co ty le ton that thap 1,55 2,55 to kinh doanh van tai hang hoa 1,80 2,80 to kinh doanh van tai hanh khach 2,05 3,05 to cho hang dong lanh 2,60 4,60 to dau keo 2,80 4,60 Taxi 3,90 5,90 , Phu luc 3: Bieu phi bao hiem vat chat xe khong tru- khau hao thay moi LE TY NHOM LOAI XE/MUC DICH SU DUNG PHI BAO HIEM (%) STT Bao XE Bao hiem hiem toan bo xe than vo to su dung tu nam den nam/gia tri lai tu 50% den 70%: a • “ Nhom loai xe co ty le ton that thap 1,78 2,93 b O to kinh doanh van tai hang hoa 2,07 3,22 c O to kinh doanh van tai hanh khach 2,36 3,51 d to cho hang dong lanh 2,99 5,29 e O to dau keo 3,22 5,29 90 f Taxi to su dung tren nam den 20 nam/gia tri lai dudi 50%: a Nhom loai xe co ty le ton that thap 2,05 3,37 b O to kinh doanh van tai hang hoa 2,38 3,70 c to kinh doanh van tai hanh khach 2,71 4,03 d to chd hang dong lanh 3,44 6.08 e to dau keo 3,70 6,08 f Taxi 5,16 7,80 4,49 ■> r 6,79 r * Luu y: Khong nhan bao hiem vat chat xe cu su dung tren 20 nam Phu luc 4: Bao hiem tai nan lai xe va ngu’oi tren xe So tien bao hiem/ngudri/vu Phi bao hiem (nam) So tien bao hiem tinh bang Dong Viet Nam 0,1% Tu 5,000.000 d den 50,000,000 d x So tien bao hiem 91 So tien bao hiem tinh bang Do la My ($) - Tir5,000 $ den 10,000 $ 0,1% x So tien bao hiem -Tren 10,000 $ dSn 30,000 $ 0,3% x So tien bao hiem - Tren 30,000 $ dSn 50,000 $ 0,5% x So tien bao hiem