a) Chuyin niuronk Hop Hang:
DIEU 24: CAC !MOAN PHI LIEN QUAN DEN HOP HONG BAO MEM
Cac loai phi dirge neu tai Dieu nay du tuan tha guy dinh Qua san phAm da dirge BO Tai Chinh phe chuAn.
La phi dirge IchAu trir if, Phi Bao Him Cu Ban vã Phi Bao Him Bong Them trirec
1d6 phan bo vao tai khoan hop dang. Mac phi áp dung nhtr sau:
NArn Hgp Bang 1 2+
% Phi Ban Him Ca Ban 24% 0%
% Phi Bao Hiem Hong Them 5% 5%
Phi Ban Dim
Phi Quin
Ly Hop Doting
Phi Quan LS, Hop Deng se duoc,khau trit hang thang vao Ngay Ky Niem Hthg Thang tit gia tri Tai Khoan Ca Ban. Phan Phi Quan Ly Hop Wong vucyt qua gia tri Tat Khan Ca Ban se dugc tiep toc kha'u tar tit gia tri Tai Khoan Deng Them.
Trong nam 2018, Phi Quart Ly figp Dang la 31.000 (ba muai mot ngth) d6ng/H9p 1)&1g/thing va sE to clOng tang 2.000 (hai ngan) clang/Hop ang/thang ms6i narn ducmg,lich sau do. Tuy nhien, trong m9i truang h9p, mac dieu chinh khong vuot qua mac t6i da 60.000 (sau moth ngan) dong/Hop Dling/thang.
Ceng Ty c6 quy6n thay doi Phi Quan LS, Hop D6ng hoc mac tangyta Quail LS, H9p Wong sau khi c6 so chap thuan caa BO Tai Chinh. Neu c6 so thay d8i, C8ng Ty se gni thong bao cho Ben Mua Bao Him ba (03) thang tritac khi ap dung mac Phi Quart LS, Hop Ding mai.
Phi Batt Him Riii Ro
Phi Bao Him Rai Ro dugc khau frit hang thing vao Ngay KY Niem Hang Thing tit gia tri Tai Khoan Ca Ban. Phan Phi Bao Him Rai Ro vugt qua gia tri Tai Khoan Ca Ban se &roc tip Wc kith tra tit gia tri TM Khoan Deng Them.
Phi Bao Hiem Rai Ro dugc xac dinh theo tuOi, gieri tinh, tinh trang sac kh6e NIA nghe nghiep dm Ngueri Dugc Bao Him. Phi Bao Him Rai Ro c6 the thay idol sau khi duct BO Tai Chinh chap thuan. Trong twang hop nay, C8ng Ty se' girl thong bar) bang van ban cho Ben Mua Bao Hiem 03 (ba) thang truErc khi áp dung.
11 Huy 6 Hop Wong Trutt Hon Phi
Phi Hay B6 Hop Ding Truec Han dugc tinh theo ty le pith tram (%) tren Phi Bao Hi Ca Ban cho Tai Khoitn Ca Ban, va Wen Gia Tri TM Khoan Deng Them cho Tai Khoan Deng Them. Mat phi ap dung nhu sau:
Nam Hop [Yang 1 2 3 4 5 6 7+
TM Khoth Ca Ban
(% Phi Bao Hiem Ca Ban) 8% 6% 4% 2% 1% 1% 0% Tai Khoan Deng Them
(% GTTK Deng Them) 50/ Phi Rut Gia Tri • Tai Khofin Hop Bong .• x
Phi Rat Gia Tri TM Khoan Hop Bong duoc tinh theo ty le phan tram (%) tren s6 tien nat. Mac phi ap dung nhu sau:
Nam Hcop Diing 1 2 3 4 5 6 7+
Tai Khoth Ca Ban .x
(% So Den rat) 8% 6% 4% 2% 1% 1% 0%
T ai Khoan Deng Them
Phi Rut Gia Tri Tai Khoan Hgp Deng se dace khAu till vao so nen ,yeu cau nit truerc khi C8ng Ty chi tra sO den it nay. Trong tritii Nam Hgp Deng, d8i \Teri lan rut tien au den, Citing Ty se mien Phi RCA Gia Tri Tai Khoan Hop &nig cho Idman tien rut len den 0,2% So Tien Bao Hiem (nhung kh8ng qua 3 trieu den). Phan tien rut vugt qua se tien neu teen se chin Phi Ritt Gia Tri Tai Khoan Hey Deng theo bang tren.
Phi Quan Ly Quy la 1,5% (Met phay nam phA'n tram) cim Gia Tri Tai Khoan ligp Deng. Phi Quan Ly Quy dugc quy dinh eft the trong Trans Hgp Deng hoc Thong Phi bao dm Cong,Ty (neu c6). Phi Quan LY Quy se dugc khau trir truac !chi C8ng Ty
Quint Gong b6 lai suat theo quy dinh tai Dieu 10.1. Ly Quy
Phi Quan Ly Quy co the dugc thay dAi neu dugc sir chAp thuan dm Bi) Tai Chinh. C8ng Ty se gin th8ng bao cho Ben Mua Bao Hiem ha (03) thang truerc 'chi ap dung mirc Phi Quan Ly Quy meri.