a) Chuyin niuronk Hop Hang:
25.2 Con Ty khong duct chuyen giao th6ng tin ca nhan do Ben Mua Bao Hiem/Nguer
Ducrc BA° Hiem cung cap cho bat Icy ben thir ha nao khác, trir cac twang hyp sau day:
Thu thap, sir duns, chuyen giao theo yeu cau dm co quan nha ntrem có tham quyen hoc
cho muc ditch tham dinh, tinh toan phi bao hiem, phat hanh hgp ding bao hiem, thu phi bao hiem, tai bao hiem, trich lap ,dfr phOng nghiep vi, giai quyet chi tra quyen lgi bao hiem, nghien ciru thiet ke san pham, phOng chong true Igi bao hiem, nghien ciru, danh gia tlnh hinh tai chinh, kha nang thanh toan, mire di) day dit von, yeu cau von.
Cac trtrimg hyp khac dugc Ben Mua Bao HiemiNgueri Dugc Bao Hiem &mg Y bang van ban, val dieu kien:
Ben Mua Bao Hiem/Nguari Duqc Bao Hiem phai clugc th8ng bao ye num dich chuyen giao thong tin va dugc quyen lua chon giirra Ong y hoc khong clang 9 veri viec chuyen giao do; va
thong tin cho ben thir ba ngoai diem (a) neu tren khong dugc sir clung lam 19 do de tir chOi giao ket Hgp Deng.
DIEU 26: NOMA. VU KE KHAI ,TRUNG THVC CtJA BEN MUA BAO THEM VA NGIAM DUtIC BAO DIEM
26.1 Ben Mua Bao Hiem va/hodc Nguai Dugc Bao Hiem c6 nghia 141,phai ke khai trung thgc va cung cap day cac thong tin theo yeu cau COng Ty de Cong Ty danh gia lcha nang chap nhian bao hiem hoc chi tra quyen Igi bao hiem theo Hgp Deng hoc cac san pham bao hiem be trg (neu có). Viec C8ng Ty co5 hoc khOng có yeu cAu kiem tra y th sê Icheng dugc sir clang lam 19 do de mien trg nghia vg kE khai trung thgc cim Ben Mua Bao Hiem va/hoc Ngutri Dugc Bao Hiem.
26.2 C8ng Ty s'e don phucrng chAm dirt ligp Deng hoc Ichong chAp nhdn yeti cAu khoi phgc hieu Igc H9p Deng trong twang hgp Ben Mua Bao Hiem va/hok Ngtrai Dugc Bao Hiem co 9 vi pham nghia vv cung cAp th6ng tin theo Dieu 26.1 neu tren ma neu biet dugc nhang thong tin nay Cong Ty CIA !dieing chap nhan bao hiem. Trong twang hcrp nay Cong Ty se IchOng giai quyet bat 14 quyen lgi bao hiem nao va se hoan tra Gia Tri Tien Mt Thgc Tra sau khi da khau trir Sc khoan quyen Icri bao hiem dA dugc thanh toan. C6ng Ty se Ichong yeu cau Ben Mua Bao Hiem hoan tra bat 14 khoan thanh toan nao neu Gia Tri Tien Mt Thgc TM nith.hcm cac khoankhAu trir neu tren. Tai thai diem Gong Ty phat hien hanh vi gian clOi (neu có), bAt quyen Igi bao hiem nao dd dugc chAp thudn nhtmg chua dugc chi tra thi ck quyen lỗxi bao hiem de deu ngay Idp tirc bi hey be va C6ng Ty se thông c6 nghia vg tiep tgc chi tra.
26.3 Trong truimg hgp Ben Mua Bao Hiem va/hodc Nguari Dugc Bao Hiem vi pham nghia vi ke Ichai thong tin ti Dieu 26.1 nhung viec vi pham nay thong lam anh htrang tai quyet dinh chap thuk bao hiem hodc quyet dinh khoi phgc hieu hrc Hgp Dong theo quy dinh cUa Cong .Ty tai timg then diem, Cong Ty van se chi tra quyen lgi bao hiem neu co sr kien bao hiem xay ra theo quy dinh cüa Hgp Deng. Trong twang hgp nay, C6ng Ty co the thu them khoan phi bao hiem hoc dieu chinh SO Tien Bao Hiem giam Wang img voi mirc rid ro (neu co) theo quy dinh ye thAm dinh bao hiem.
DIEU 27: TRIYONG HOP KE KHAI SAI TUOI VA/HOAC GIOT TIM!
27.1 Trong trugng hqp k8 khai sai tuoi vanioac giai tinh cüa Nguai Dugc Bao Hiem, Cong Ty c6 the tinh toan va dieu chinh lai khoan Phi Bao Hiem Rid Ro, Phi Bao Hiem Co Ban va/hoc So Tien Bao Hiem phai thu theo Tuôi dung va/hoc gigi tinh dung tinh Ngay Hieu Luc Ho Bong den ngay phat hien ra viec ke Ichai sai. Hop Deng, gia tri Tai Khoan Co Ban va cac th8ng tin cua Ngtrai Duct Baa Hiem trong Hgp acing s'e dugc dieu chinh tucmg img va phü hgp.
27.2 NM Tuei thgc cua Ngugi Duce Bao Hiem khong nam trong them tu'ei c6 the dugc bao hiem theo quy dinh alai-19p Wong, Cong Ty c6 quyen hey be Hgp Dong va hoan tra Lai cho Ben Mua Bao Hi'em Cia Tri Tai Khoanylcip Deng hoac s8 phi bao hiem oda dOng, thy theo gia tri nao Ian hcm tinh tai thed diem Cong Ty c6 thong bac) ye viec ke khai thong chinh 'Mc de, khong co lai, trir di cac quyen Igi bao hiem da thanh toan, cac
khoan rut tir Gia Tri Tai Khoan Hgp, Ding, the khoan Ng va the chi phi thuc te phat sinh trong viec danh gia rüi ro bao hiem cim Nguoi Dugc Bao Him.
DIEU 28: MIEN TRUY XET
28.1 Ngoai trir truang hop kê khai sai v Tu61 va/ho4 giai tinh nhu quy dinh tai Dieu 27 hoc c6 9 cung cap thong tin khong trung thtrc hoc killing day du nhu dtrgc quy dinh tai Dieu 26, trong khi H9p Wong van con hieu Itrc, viec Ben Mua Bao Hiem va/ho4 Nguiri Dugc Bao,Hiem ke khai khong chinh xac hoc bet sot cac thong tin trong Ho Sa Yeu Cau Bart Hiem hoac cac nth don, ban ké khai lien quan den viec tham dinh vá chap thuan bao hiem cita COng Ty se, khong lam cho Hgp Deng bi hity bit neu Hgp Deng da c6 hieu hic it that hai muai bon (24) thang ke tir Ngay Cap Hgp Deng hoc Ice tir ngay khoi phyc hieu lye hgp dong gan nhat, thy thuec vao ngay nao den sau.
28.2 Dieu khoan nay se kitting ap dung trong truang hgp Ben Mua Bao Hiem vã/hoc Ngueri Dugc Bao Hiem co 9 khong Ice khai hoc khong cung cap day du va trung thuc nhang thong tin ma neu biet &Km cac thong tin de, Gong Ty se tarn hoan hoc tir chei bao hiem.
DIEU 29: NGIAII THIJ HVONG
29.1 Ngtrai Thy Huimg dugc Ben Mua Bao Hiem chi dinh trong don yeu cAu bac) hiem hoc dirge thay 461 va chap thuan bed Cling Ty trong (cac) Xac Nhan Thay Doi Hgp Deng. Ngtrai Thy Huerng dugc huang the quyen I9i ciia 1-19p Bong neu va khi duqc Ging Ty don 9 chi tra cac suyen Igi bao hiem trong truong hgp Ngtrai Dugc Bao Hiem,tir vong. Tat ca cac quyen Igi khac ciia Hgp Being trong thai gian Nguai Dugc Bao Hiem con sting so dugc thanh toan,cho Ben Mua Bao Hiem hoc theo them thuan khac gicta Cong Ty va Ben Mua Bao Hiem.
29.2 Neu khong co Nguai Thy Huang nao dugc chi dinh hoc tAt ca Nguiyi Thy Huang du cla tir vong/ chant dirt hoat <long clang theri hoac truerc khi Noted Dugc Bao Hiem tir vong, quyen lgi bao him tfr vong sê dugc chi tra cho Ben Mua Bao Hiem hoc ngtrai thira Ice hgp phap dm Ben Mua Rao Hiem.
29.3 Neu c6 tir hai Ngubi Thy Htremg ter Len thi:
guy& lgi bao hiem tir vong se dugc chia d&i cho tAt ca m9i Nguai Thy Huang, trir khi c6 quy dinh khac trong Hgp Deng hoac trong van ban chi dinh Nguiri Thy Huang dang co hieu lye áp dyng; hoc
nu c6 bAt ky Ngued Thy Huang nao dä Ut vong/cham dirt hoat Ong riling theri hoc try& khi Ngueri Dugc Bao Hiem tir vong, phan quyen Igi bao hiem cim Ngtrai Thy Huerng de se dugc chia deu cho flitting Nguai Thy Huang can Lai, trir khi c6 quy dinh khac di trong Hgp Deng hoc trong van ban chi dinh Ngtrai Thy Huang dang co hieu lye áp dyng.
29.4 Bat Ice cla ca the quy dinh khac tai H9p Deng nay va trir truang hgp COng Ty chap thuan khac bang van ban, trong tnrang hyp Ben Mua Bao Hiem la to chac:
Quyen Igi bao him tir vong se dugc chi tra cho Nguai Thy Huemg. Cac quyen Igi lien quan den Mt GikTri Tai Khoan 1-lap DOng, tam (mg t& Gia Tri Tai Khoan Hap Deng, cham dirt Hey Deng truac thai han va quyen lgi dao han Don së dugc chi tra cho Ben Mua Bao Hiem. Tat ca cac quyen Igi bar) him con lai khac duce quy dinh tai Hap Deng nay se duce chi tra cho Ngueri Dugc Bao Hiem;
Neu khong c6 Nguai Thy Fluan4 nao dugc chi dinh hap le, quyen lgi bao him tit vong se dugc chi tra cho ngtrai thira ke cilia Nguei Dugc Bao Hiem; va
Trong m9i twang hap, viec thay del Nguai Thy Huang phai dugc Ngueri Dugc Bao Hiem (long