Ming &roc Cong Ty chap nhan bào hiem, va duce ghi nhan trong Trang Hop Dring IA Ngtred Ducc Bao Hiem twang Ung veri san pham bao hiem chinh.
Vao thei diem yeu cAu bao hietn, trir truErng hop ducc quy dinh kit di tai cac san pham bao hiem b6 tit el,' the, Nguti Duce Bao 1-hem phai:
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dang hien dien Lai Viet Nam,
trong dO Tuai tir mOt (01) thang Thai den sau mtroi lam (65) Tu6i.
Ngurbi Thn throng: là (cat) ca nhan hoc tó chirc dugc Ben Mua Bao Him chi dinh d nhan guy& Igi bao hiem. Ngtriai Thy Huemg dugc ghi ten trong HO So Yeu Cau BA° Him hoc Xac Nhan Thay Dai Hop Bang (neu co).
SO Tien Bao Him: IA sei tin duce Cong Ty chap nhan bao hiem theo quy dinh tai Hop Deng va &roc ghi tren Trang Hop Wong hoc Xac Nhan Thay Doi Hop Bong (neu co).
Tutu: la tuai cUa Ngtrai Dirge Bao Him tinh theo ngay sinh nhat vaa qua tnracc (ii)Ngay Hiatt Luc Hop Wong hoc (ii)Ngay Niem Hop Don trong cat Nam Hop Bong tier) theo.
Ngity
11.1 Ngay CAp Hop Hang: là ngay Hop Dang &roc Cong Ty chap thuan va phat hanh theo HO So You Cau Baia Hiem hop le caa Ben Mua BA° Him. Ngay Cap Hop Dang throe ghi nhan trong Trang Hop Ding hoc Xac Nhan Thay Doi Hop Wong (nu cep).
11.2 Ngity Hien Lye Hap Hang: IA ngay Hop pang bat du co hie'u lye va &roc ghi nhan tai Trang Hop Bong hoae Xac Nhan Thay Doi Hop Wing (neu co).
11.3 Ngly 19.r Mem Hap DOng: IA ngay k9 niem tyang img hang ram dm NO), Hieu Lye Hop Bong trong su8t Thai Han Hop Bang. Neu nam thong co ngay nay thi ngay cued cOng dm thing do se la Ngay Niem Hop DOng.
11.4 Nny Ky Niem Hang Thang: IA ngly tuang Ong hang thang cOa Ngay Hieu Lye Hop Deng. Truang hop thang kitting cO ngay tucmg Ong thi ngay lien truck do se duce áp dung.
11.5 Nam Hop Deng: IA khoang then gian,01(met) nam duang lich kt tit Ngay Hieu Lac Hop Bang hoac Ngay KS/ Niem Hop Deng.
11.6 Ngay Dan Han Hop Diing: la ngay‘cuOi cimg elm Thai Han Hop DOng va duac ghi nhan tai Trang Hop Wong neu Hop Bang con hieu bat den thai diem dn.
Thad Han Hop DOng: IA hai muoi (20) nam tinh tir Ngay Hieu Lye Hop Bang.
Phi Rao Him Ca Ban: IA khoan phi &mg cho san phem chinh va duce ghi trong Trang Hop Dan hoc Xac Nhan Thay Doi Hop Bang (neu c6).
Phi Ban Hiem BO Trq: IA khoan phi dOng cho (cac) sari pham bao hiem be trg Nth duce ghi trong Trang Hop Bang hoc Xdc Nhan Thay DOi Hop Deng (neu co).
Phi Ha° Hiem Deng Them: IA khoan hi do Ben Mua Bao Hiem clang them ngoai Phi Bao HIS Co Ban theo quy dinh elm Hap Bong. Trong twang hop khach hang có chi dinh ye viec dong Phi Bao HIS BO Tra, Phi Bao Hiem DOng Them se la khoan phi do Ben Mua Bao Hiem dang them ngoai Phi Bao Hiem Co Ban va Phi Bao Hiem B6 Trg.
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Phi Bao HIS Ca ‘Ban Dirge Phan I36: la phAn con lai dm Phi Bao Hitm Ca Ban sau khi khau trir Phi Ban Dau.
Phi Bao HIS Bong Them Dirqc Phan BO: la phan con lai dm Phi Bao Him Dang Them sau
khi khAu trir Phi Ban Dau.
Phi Ban Diu: la Ichoin phi dugc khAu trir tir Phi Bao Hiem Co Ban va/hoc Phi Bao Hiem
Deng Them truck khi Phi Bao Hiem Co Ban va/hoc Phi Bao Hiem Dong Them duct phan be vao titi khoan Hgp Deng.
Phi Bao HIS Rüi Ro: la khoan phi dugc khAu trir hang thang de dam bao chi tra quyen loi bao hiem theo quy dinh cüa san pham bao hiem chinh.
Phi Quin Ljr Hop Hang: la khoan phi dugc khAu trir hang, thang d Cons Ty that hien cac ding viec an thiet lien quan den viec quan 19, duy tri Hop Deng va cung cap cac thong tin lien quan den Hop Deng cho Ben Mua Bao Hiem.
Phi Quin L Quy: la khoan phi chi tra cho heat dOng quan 19 va dlu tu cUa Quy Lien Ket Chung.
Khoan 1ChAu Trir Hang Thang: la khoan ben dugc Citing Ty khAu trir hang thang, bao gem Phi Bao Hiern ROi Ro va Phi Quan L9 Hop Deng.
Phi Huy Ba Hỗp Hang Trirat Han: la khoan phi ma Cong Ty se thu khi Hop Deng bi chAm
dirt trutc thai han.
Phi Rut Gia Tr i Tai Khoin Hỗp Hang: la khoan phi ma Ben Mua Bao Hiem phai chiu khi yeu eau nat mOt phan tir Gia Tri Tai Khoan Hop Deng.
Ng: la bAt Icy khoan phi, phi bar) hiem hoac khoan tien nao ma Ben Mua Bao Hiem an phai
(long de duy tri hieu lye Hop Deng hoc phai thanh toan cho Cong Ty theo cac dieu khoan va dieu kin cüa Hcrp Deng, bao gem ca cac Khoan Khau Trir Hang Thang den han, cac khoan tam (mg tir Gia Tri Tai Khoan Hop Deng, va cac khoan khac cOng \red lai tich 10y phat sinh ten cac khan tien nay. Tat a cac khoan tien nay se dugc coi la con ng Clang Ty va se dugc Ging Ty khAu trir tnrec khi thanh toan bat IcY quyen lgi bao hiem nao theo Hop Deng nay.
Ili Khan Co. Ban: la tai khoan dugc hinh thanh tir Phi Bao Hiem Co Ban. Gia tri Tai Khoan
Co Ban dirge xac dinh theo quy dinh tai Dieu 15.2.(a) cUa Hop -Deng.
Tai Khofin Hang Them: la tai khoan &roc hinh thanh tir Phi Bao Hiem Bong Them. Gia tri Tai Khoan Bong Them dugc xac dinh theo quy dinh tai Dieu I5.2.(b) cUa Hop Deng.
Gia Tr i Tai Khan Hqp Hang: la teng cUa gia trj Tai Ithoan Ca Ban va gia tri Tai Khoan Bong Them.
Gia Tri Hoin Lai: la gia tri thu dtrgc sau khi lay Gia Tri Tai Khoan Hop Deng trir di Phi Huy
BO Hop Hong Tnrec Han. Gia Tri Han Lai dugc tinh toan phü hop yeti co sar k'y thuat cüa san phAm dä dirge BO Tai Chinh phe duyet.
V.
30. Gia Tri Tien Mat Thgc Ira: la gia tri thu dugc sau khi lAy Gia Tri Hoan Lai trir di cac khoan Ng (nu c6).
31. Thircrng Tat Toll] BO VA Vinh Vin:
Thuang Tat Toan BO VA Vinh Vin la trueng hop:
a) Ngued dugc bao him hi mAt, liêt hoan toan va Wong the phgc hOi dugc chirc nang dm: Hai tay, hoac;
Hai chan, hoac;
Met tay va met chan, hoac; Hai mat, hoac;
Met tay va met mat, hoac; Met chan va met mAt.
Trong truong hgp nay, mitt hoan toan va kh6ng the phgc 1161 dugc chirc nang cUa (i) tay dugc tinh tfr co tay tra len, (ii) chan dirge tinh tir mat ca than tret len, (iv) mat dirge hit: là mAt han mat hoac mu hoan toan.
Vic chang nhan Ngued dirge bat) him hi mat hoan toan be phan ca the (tay, chan hoac mat) c6 the dirge thgc hien ngay sau khi sir kien bao hiem xay ra.
Vic ch(mg nhan bi lit hoan toan va không the phgc hii chirc nang cüa cac be phan ca the phai dugc thgc hien khong sem hcm 180 ngay ke tir ngay xay ra sg Men ban hiem hoac tü ngay benh 19 dtrgc chAn doan xac dinh.
Hoc:
b) Ngtrei dtrgc bao hiem bi thuang tat tir 81% theo xac nhan cüa ca quan y tEl Hai &Ong giam dinh Y khoa cap tinh tre
32. Tai Nan: nghia IA met sir kin hoac met chuOi str kian lien tuc, Ichach quan xay ra do tac tong cüa mOt lye, men vat bAt net tir ben ngoai len ca the caa Ngueri Dugc Bao Iliam va gay ra thuang tat hoac tCr vong cho Ngtrai Dirge Bao Hiem. Sy kin hoac chtuii six kien neu trait phai là nguyen than trgc tiep, duy nhat va kh0ng lien quan den bAt nguyan nhan nao lchac gar ra thuang tat hoac tit vong cho Ngutti Dirge Bao Hiem trong vOng chin muai (90) ngay ke tir ngay xay ra str ki0 hoac chuoi sg kien do.
33. Phircrng Tien Giao Thong Cong COng: la cac phuang tien van chuyen theo lich trinh thueng xuyan, theo nhilng tuyen duange da dtrgc xac lap va danh cho cac hanh Ichach c6 mua ve, nhu: xe bu/t, o to' cher khach tuyen co dinh, tau hem, tau thuy che khach, pha cher lchach, tau din va dirge van hanh bei cac dart vi dirge cap gray phép kinh doanh van tai hanh lchach hgp phap.
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Phtro4 Tien Giao Thong Cong COng kh8ng bao gOm taxi, may bay tu nha'n ck loai, xe thue, hoc bat Icy pluming tin thue nao sir dung cho myc dich di lai ca nhan.
34. Thang May: nghia là thang may &vac sir dung cho mix dich van chuyen hanh kith, thong bao grim thang may hoat dOng trong ham m6 hay tai cac &ring trinh thy dyng hoic, nha rieng. bao grim thang may hoat dOng trong ham m6 hay tai cac &ring trinh thy dyng hoic, nha rieng.