n<) TAl CHiNH C<)NG HoA XA H<)I CHD NGHiA VItT NAMDQc I~p - 1'l.I' do - H~nhplnic

Sf!:.;IJ.t5(;Jr/l3TC-QLI3H lid N{ji, ngdy,u thimg),( niim 2018VIv ch~p t~u~n dang.ky 5imph~m ,r--;;-----,---..,..-.

baa hicm v~t chat xc 6 t6 CONG VANeiNKinh gui: Cang ty e6 ph:ln Bao hi~rn AAA ~~;'lZ:~:IL;';J;Ol~

Tni loi Van ban 56 0988/18/CV-AAA d~ ngay 25/5/2018 va h6 so, tai li!';ukern theo eua Cang ty e6 ph:ln Baa hi~rn AAA (Cang ty) v~ vige d~ nghi 13(>Taiehinh eh~p thu~n dang ky san ph~rn bao hi~rn v~t eh~t xe a ta, 13(>Tai ehinh co yki~n nhu sau:

I. Ch~p thu~n dang ky quy t~e, di~u khoi'tn, bitSu phi san ph~rn bao hitSrnv~t eh~t xc a ta eua Cang ty (gui kern).

2. Thai di~rn Cang ty giao k~t hgp d6ng bao hitSrn V?t eh~t xc a ta theoquy t~e, di~u khoan, bi~u phi bao hitSrn duge 13(>Tai ehinh eh~p thu?n theo Cangvan nay ktS tlr ngay 01/0112019 va thay th~ quy t~e, di~u khoan, bi6u phi sanph~rn bao hi6rn v~t ehfit xe a ta eua Cang ty dii duge 13(>Hi ehinh eh~p thu~n t~iCang van 56 2688/BTC-QL13H ngay 27/02/2015 va d.e van ban sua d6i, b6sung, thay th~ (n~u co).

3. Cang ty phai th,!e hii;n dung va ehiu tnieh nhii;rn vE tinh ehinh xae,phu hgp vai quy dinh phap lu~t vE quy t~e, di~u khmin, bi~u phi bi'1Ohi6rn diidang ky vai 13(>Tai ehinh. Truong hgp Cang ty vi ph~rn se bi xern xct xu Iy theoquy djnh t~i DiEu 18 Nghi dinh s6 98/2013/ND-CP ngay 28/8/2013 eua Chinhphu quy dinh vE xu ph~t hanh ehinh trong ITnh v,!e kinh doanh bao hi6m, kinhdoanh x6 56 (Nghi dinh s6 98/20 13/NEl-CP) va Khoan 8 Di6u 1 Nghi dinh sf)48/2018/NEl-CP ngay 21/03/2018 eua Chinh phu sua d6i, b6 sung m(>t 56 diEueua Nghi djnh s5 98/20 13/ND-CP.

4. Khi giao ktSthgp d6ng bao hi~m, Cang ty co trach nhi!';rn eung dp d:lydu thang tin lien quan dtSnhgp d6ng bao hi~m, giai thieh cae quy t~e, diEu khoanbao hitSm eho ben mua bao hitSm.

5. Cang ty phai eang b5 cae san ph~rn duge phcp tritSn khai theo quydjnh t~i Khoan 7 Di6u 39 Nghi dinh s5 73/2016/NEl-CP ngay 1/7/2016 eua

Chinh phu.8(>Hi ehinh thang bao dtSCang ty bitStva th,!e hi!';ntheo quy dinh phap lu?t.I.~

Nu"i ""(i/~- Nhu Iren"o Uinh dil~ B(>(d~ b/e);- VI' Phap eh~;_ Lcru: VT. QLBH. ( f?')

"n Quang HuyBIl28 IJ2018 1~:1I7

Quy /{jc. diill khoan, Mill phi. diill !<haembcisling bao hidm w;itchJt xe 0 to - 20/8

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CONG TV CO PHAN BAO HIEM AAA

28 V201815:4~

:

Quy laC, dian khoim, hill" phi, didu khoc1I1 b6 sling bao Mint wjl chdt xe 6 10- 20/8

QUY TAC sAo HIEMV~T CHAT XE OTO

(Da d,ft;fe chap thuan dang ky theo e6ng van 56'J4564/BTC-QLBH ngay 22/11/2018 eva 89 Tai ehinh)

Tren eC1 sa Chu xe yeu dlu baa hh~mva nop phi baa

h;cm thea quy djnh, Ccng Ty Co Phon Baa Hicm AAA

(gOi t5t la Baa Hiem AAAI nh~n baa hiem v~tchat xe

6 to thea cae dieu kien, dieu khoan quy dinh trong

Quy tac bac hiem nay.

Baa Hiem AAA so boi thllang thi~t h.i cha Chu xe

b6'i cae Sl/ ki{?" baa hit~m xay ra trong thai h~n baa

hiem tren CC1 sa tuan thea cae dieu khoan, dicu kien

va cae diem 10<;1;trtf (hay dlJO'c sva dol be sung theado) trang Quy tac baa hiem nay,

PHAN I - GlAI THfcH TLr NGLr

1. Baa Hiem AAA: la la daanh nghi~p dllc;rc thanh

I~p, to chlic va ha.t dong thea quy dinh cuaphap lu~t co lien quan de kinh doanh baa hiem,lai baa hiem,

2. Chu xe: la chu sa hfru xe 6 t6 ho~c ca nhan, tochvc dvO'c giao chiem hCi'u, Stl dVng xe 6 to;ho~c eel nhan, t6 chU'c liJ chu sa hO'u tht,tc techlla lam thu tvc dang ky thea quy djnh nhllng

co HOOp dong mua ban.

3. Ben mua bac hiem: la ca nhan, to chLic giao ket

hc;rpdong baa hiem vai daanh nghi~p baa hiem

va dong phi bao hiem. Ben mua baa hiem co the

dong thoi Ii! ehti xe/ngltoi dU'qe baa hiem ha~e

ngllai thv hlliYng,4. NgLfCri dU'gc baa hicm: la te chLie. ea nhan co

tai san dU'qe baa hiem theo hqp dong baD hiem.

S. Xc 0 to: baa 130mxc 0 to can, xe ban tai, xe tai,

xe kh~ch, xc buyt, ra mooe ho~e so mi ro mooe

dLfqe kea boi 6 to diw keo .... Khong bao gom xc

mo to hai banh, xc mo to ba banh, xc g~n m~y,

xc d9P dien, xc may di~n.

6. Chay: la ph an Ling hoa hQe giG'a chat ehay va 6xy trong khong khi co sv toa nhiet va phat anh

silng.7. Gici thj trU'Crng: 103 giil mua ban trung blnh eua

chice xe cung chung IOqi: cung nam san xu5t,

1/12

cung hang san xuat (make). cung mau xc

(madelkcung km Ian banh, cung mvc dich Slr

dvng dU'O'c chao ban trcn th! trvcmg ngay t~ithai diC~mxclc dinh gia thj trltong eva xc.

8. Thai gian Slt dVng xc: la khoang thai gian tinh

tit thang dang ky mn dou t<li Vi~t Nom dOn thang

giao ket hqp dong baD hicm. Dei vai xe nh~p

khau aa qua Slr dl,Jng a nvac ngoai. thi thai gian

Slr dl,lng trnh tCr thang mot cua nam san xuat

di!n thang giaa ket hc;rpdong baa hiem,

9. Phi baa hicm: la khaan tfen rna ben rnua baa

hiem phai dong cha daanh nghi~p baa hiem

theo thai h~n va phvong thLrc do eac ben thoa

thu~n trong hoopdong bilO hiem.

PHAN II - QUY DINH CHUNG

Dicu 1. HQ'p dong baa hicm

Hqp dong bao hiem xc 6 to la Sl,l' thaa lhu~n gHia

Chu xe va Baa Hiem AAA, thea do Chu xe phai dong

du phi baa hiem, Baa Hiem AM ph a; bo; thlfang cha

Chu xe khi xay ra sl,l' kien baa hicm.HOOp dong bac hiem phai dvO'e I~p thanh van ban,bac gom: Gia'y yeu diU bao hiem co ehO' ky CUCl Chu

xc ho~e ngl10i d~i dien hOOpphap eua Chu xc; Giay

chvng nh~n baD hiem/DO'n bac hiem; Quy t~e; Dieu

khaan la b~ng chling cua v;~c gioo kct h9'P dong baa

hiem; stia dei be sung va eele thoa thu~n khac (ncu

co) ..,Bao Hicm AAA chi cap Giay chung nh~n baa hiem

khi Chu xe do dong du phi baa hiem thea nhlf quy

djnh trang hc;rp dong baa hiem.

oiCu 2. Hi{!u II/c bao hicm1. Thai h~n bao hiem b~h dau va kct thtJe dvO'e ghi

trEm HO'P dong bao hiem/Giay ehu-ng nh~n bao

hiem.2. Tn.rang hOOpehuyen quyen sa hG'u xe dU'OOc bao

hj(~m, hoopdong baa hiem m~c nhien co hieu h,re

doi v&i Chu xe mai tni lrvang hc;rpChu xe cD yeu

cau cham dUt hoopdong brio hiem.

oiCu 3. Cham dLrt H9'P dong baa hiem1. HO'Pdong baa hiem cham dl1t hi~u h,rebac hicm

trang t",ang hc;rpChu xe khcng dong du phi baa

{lilY tAc, did" khoGn, bidu phi, didu khoGn bd sung bao hidm wJt chat xe d t6 - 20/8

hlem theo thai h~n thanh toan phi bao hiem vaoilo HI~m /lAA khong co tho. thu~n cho bon

mua bilo hl~m nO' phi theo quy djnh cua phap

lu~t,Chu xc phili co nghia Vu dong day du phi bilo

hicm dl1ac quy djnh tal haP dong bilo hlcm.

Trong thai h.n 5 ngay lam viec k~ tit ngay haP

dong baa hiem cham dt.i'l hicu h,c, Baa HiemMI\ phai hoil" l;,1icho Chu xc phan phi baa hicmdo dong thita (neu co) ho~c you cau Chu xcdong du phi bao hiem den thai diem cham dt.i'thaP dong bao hi~m. oilo Hicm AlIA khong phai

hoan phi bilO hiem trang tnjang hOOpda xay ra

Sl/ kien baa hiem.2. Dan phl1ang cham dLrt thU'c hien HaP dong bilo

hiem:Trong thai hqn bao hiem, mot trang hal ben coquyen dan phl1ang cham dirt thU'c hien Hapdong bao hlcm theo quy djnh phap lu~t bang

each thong bac bang van ban eho ben kia.Trl1i1ng hap Chu xc cham dirt hap dong bao

hiem tn.rae h.,m phai thong bao b~ng van bancho oilo Hi~m A/IA. Trong thai han 05 ngay lam

viec k~ tit ngay nh~n dl1ac thong bao bang van

ban ella Chu xe, Bao Hiem MA phai ho~mI~iehoChu xC 70% phi bao hiem tU'O'ngling voi thaigian con l<,1icua hqp dong bao hicm. Baa Hiem1\1\1\ kh6ng phai hoan phi baa hiem trang In.rang

hQ'pda xay ra 51/kien baa hicm.Trl1ang hap oao Hlcm AlIA dan phl1ang cham

dirt thU'c hlen haP dong bilo hicm, trong thai

han 15 ngay lam viec kc tit ngay oao Hi~m IlAA

thong baa bang van bim cho Chu xe, Baa Hicm/1/1/1phal hoan lai 100% phi bao hicm (trl1ac

thue) cho Chu xc tl1O'ngling vai thai gian con Iqi

cu. haP dong bilo hicm.

Oieu 4. Quyen va nghia V"leua Bao Hi5m AAA1. Bao Hiem AAA co quyen:

1.1. Thu phi bao hicm theo thoa thu~n trong

hap dong bao hicm;1.2. Yeu cau ben mua baa hicm cung cap day

du, trung tht,re thong tin lien quan den vieeglao ket va thU'c hien hap dong bao hi~m;

1.3. Thong bao tit choi boi thl1ang Mn ngl1aldllac bao hi~m hoac ngllal thu hl1ang hap

2/12

phap trong trl1ang haP khong thuot pham

vi trckh nhiem bao hiem ho~e trvang hoopJoqi trv treich nhi~m baa hiem thea thoathu~n trong haP dong bao hlcm;

1.4. Yeu cau bon mua bao hicm ap dung cac

bien phap de phong, han che ton that theo

quy dinh eua phap lu~t co lien quan;1.5. Yeu eau ben thli ba boi hofm 56 licn baa

hiem ma Baa Hiem I\f\A da boi thLtCYngchongU'C1idvO'c baa hicm trang trvang hoopdobcn thli ba gay ra d6i vai chiec xe 6 lO

dl1ac bao hicm;1.6. Cac quycn khac theo quy djnh cua phap

lu~t.2. Bao Hicm AAA co nghia v"l:

2.1 Giai thfeh cho Chu xc/bcn mua bao hiem vequy t~c, dicu khofm, bieu phi baa hiem;quyen lQ'i vj treieh nhi~m clla Chu xe/ benmua baa hiem khi tham gia baa hiem;

2.2 Cap eho Chu xc/bcn mua baa hiem giaychlr'ng nh~n bao hicm. dO'n b;:1Qhicm ha~chO'P dong bao hicm sau khi giao kct hOp

dong bao hiem;2.3 Tra ticn boi thvong baa hicm trong vang 15

ngay k~ tit khi nh~n dl1ac ho SO'you cau boi

thl1ang day du, haP Ie; khong qua 45 ngaytrong trvang hO'Paao Hiem 1\1\/\ phai tienh~Jnhxcicminh ho SO'.Trang lrvang hoopUaoHH~m 1\1\1\ kh6ng du lham Quycn de xaeminh cac ycu t6 lrang he sa thi he sO'boithl1i1ng dl1ac colla day du va hO'PIe sau khico kct lu~n chinh lhlic ella cO'quan chlicn~ng co tham quycn. Sau 90 ngay kc tvngay Oao HI~m AlIA co van ban de nghj caquan chlie nang co tham quyen ticn hanhxa, minh ma chl1a co kct qua x.lc minh lhiBao Hiem AI\I\ phai chu dong ticn hanh xacminh, xem xet gia! quyet boi thU'ong tren CO'

sa tal lieu, chirng cir thu thaP dllac;2.4 Tn.rang hoop tv choi boi thLfong, aaa Hiem

AI\I\ phai giai thich b~ngvan ban Iy do tVchoi boi thl1cmg trong thai han 15 ngay k~

tit ngay oilo Hi~m AlIA nhan dl1aC day du

ho sa boi thl1ang haP Ie;2.5 Doi vai nhL'mg vv ton that nghiem trong ha~c

d~cbiet nghiem trc;mg.khi co yeu cau cua Chu

..J

.•

Quyaie, didu khoim, bidu phi, did" khoan b(Jsung baD hidm vql chAI xe 0 10- 20/8

xc/ngLlai dicu khien xe, Bao Hiem AM sephol hO'P gial quyet ngay va khl da xac djnh

treich nhiem thuoc phqm vi bao hiem co thet<,lmling ngay mot phan nhung chi phi dinthiet nham khik phl,SCh~uqua ton that;

2.6 Bao Hiem MA co treichnhiem hlfang d~nChuxe/ngLlcyidieu khien xc thu th~ptai lieu de I~pho so bol thllimg thea quy djnh tal Dieu 7 quyt~knay;

2.7 Baa Hiem AAA co trach nhiem danh gia lai

rui ro va djnh phi baa hiem trong vang asngay lam viec ke tl1 ngay nh~ndvO'c thongbac thay doi cac yeu to lien quan den rui rocua xe duO'c baa hiem va co trach nhiemhaan phi haac thu them phi thea ty Ie

tuang ling vai thai hQn con IQi cua hO'Pdong baa hiem;

2.8 Cac nghTa Vu khiic thea quy djnh cua phapluat.

Dicu 5. Quycn va nghia Vl,Jeua Ben mua baa hicm1. Ben mua bao hi em co quycn:

1.1 Lva chon daanh nghieP baa hiem haat dongtQiViet Nam de mua baa hh~m;

1.2 Yeu cau Baa Hiem AAA giai thkh cae dicukien, dieu khaan baa hi em, cap giay chti'ngnh~nbaa hiem ha~cdan baa hiem;

1.3 Yeu tau Baa Hiem AAA tra tien baa hiemcha nguai dU'O'cbaa hiem ho~c chi tra changlliti thu hllang hO'Pphap thea thoa thuan

trang hO'Pdong baa hiem khi xay ra SU' kien

baa hiem;1.4 Chuyen nhllO'ng hO'P dong baa hicm thea

thoa thu~n trong hO'Pdong baa hiem ho~c

thea quy djnh cua phap luat;1.5 Cac quyen khac thea quy djnh cua phap

[uat.

2. Ben mua baa hicm co nghia Vl,J:2.1 Dong phi baa hiem day du, thea thiti han va

phllang thlic da thoa thuan trong hO'Pdong

baa hiem;2.2 Khi yeu diu baa hicm, Chu xe hoac nglliti

dai dien phai ke khai day dU, trung thvcnhung noi dung trong Giay yeu tau bilOhiem;

3/12

2.3 TaO dieu ki;:n thuan 100idO Baa Hiem AM

xem xet tlnh tr;;mg xc truGc khi cap Giaychung nh~nbilO hiem;

2.4 Truong hO'P thay doi mti'c dO rui ro dllO'Cbaa hiem d~n den nhung yeu to lam thaydoi Co'sa tinh phi baa hiem, Chu xe phaithong baa cho Baa Hiem AAA trang vang 15ngay kc tit ngay co Sv thay doi d6 (vi du:thay doi mt,Jc dich Slt dl,mg, ket cau xc,pham vi hoat dong ...)

2.4.1 Khi co Sl,J'thay doi nhung yeu to lam cO'sade tfnh phi baa hiem. dan den giam cae ruiro dllO'Cbaa hiem thi Chu xe co quyen yeucau Baa Hiem I\A/\ giam phi baa hicm chathoi gian con l~icua Hqp dong baa hiem.Trang vang 05 ngay lam viec ke tv ngaynh~n dvO'e van ban yeu cau giam phi euaChu xe, Baa Hiem AAA phai co cong van,van ban tra loi Chu xe ve viec chap thu~n

hoac khang chap thuan viec giam phi va

thiti han haan tra phi baa hicm dllO'c giam.

Trang twitng hO'P Baa Hicm AAA khangchap nh~ngiam phi baa hiem thl Chu xe coquyen don ph liang dinh chi thu-c hien hO'Pdong bila hiem thea quy djnh tQi Khoan 2Dieu 3 cua Quy tac nay;

2.4.2 Khi co sl,J'thay doi nhung yeu to lam co sade tinh phi baa hiem, dan den tang cae ruira dllO'C bilo hiem thi Bao Hiem 1\11./\ coquyen tinh I.i phi baa hiem hoac khang

chap thu~n baa hicm khi rui ro tang len chothai gian con Ir,licua hO'Pdong baa hicm.Trang trllitng hO'PChu xe khang chap nhantang ph; baa hi em thi Baa Hicm 1\1\/\ coquycn don phuong dinh chi thl/e hien hO'Pdong baa hiem thea quy djnh tQi Khaan 2Dieu 3 cua Quy tac nay.

2.5 Tuan thu cac quy djnh ve dam baa an toangiao thong dllitng bO;

2.6 Khi xay ra ton that, Chu xejnglliti dieu khicn

xe phai co trach nhiem:2.6.1 Thong baa ngay cho Baa Hiem AAA dO phoi

hqp giai quyct, tkh Cl/Ccuu chua, hQn chethict hqi ve ngU'ai va tai san, baa ve hientruang ton that; dong thai thong baa ehaco quan Cong an ho~e chinh quycn d!el

,

Quy ,ii". did" khocm. hidu phi. didu khnim bd sung han hidm vrJf cluff xe 11 fO - 20/8

phlfcyng ncri gan nhat (tr!t trlfang hc;1Pbat

kha khang);

2.6.2 Khong dlfc;1c di chuyen, thao gO-ho~c sitachli'a tai san khi chlfa co of kien chap thu~n

cua BaD Hiem AM; tnl t(llang hO'P canthiet de dam bao an toan, de phong han

che thi!)t hai ve nglfai va tai san ho~c phai

thi hilnh thea yeu cau eua eef quan co thamquyem.

2.6.3 Trong thai han as ngay lam vi!)c ke t!t ngayxay ra ton that (tr!t tmang hc;1Pbat khakhang). Chu xe phai thong bao ton that

bang viin ban eho Baa Hiem AAA.2.7 Chu xe phai trung thilc trong vi!)c thu th~p,

cung cap eac thong tin, tai lieu, chvng tvtrang ho SO'boi thllang va tiilO dieu kienthu~n fO'ieho she Hiem f\AA trong qua trinhXclcminh tinh chan thllc eua cac thong tin,

tai li!)u. chli'ng t!t dO;2.8 Tnrang hc;1Pton that xay ra co lien quan den

trach nhiern cua NgU'ai thv ba, Chu xe phaithvc hien dung thea cac hllang dan cua BaaHiem I\AA de bac lllu quyen khieu n~ivachuyen quyen doi boi thlfang cho Bao Hiem

MA kern theo toan bo ho sa, cac can Ctl, tai

lieu can thiet va hc;1Ptac chat che vO'i BaDHiem AAA de doi I.i Nglfai thli' ba trong

ph~m vi so ticn dii ha~cse dllO'CBaa HiemAAA boi thllang.

2.9 Ooi vai cae thj~t h~idan den phai thay theva dllO'C Baa Hicm AAA chap thu~n boithllcmg, Chu xe/ngl/(Ji dicu khien xe sau khithvc hi~nxeng cong viec thay the phai cotrach nhiem ban giao tai san da dU'Q'cthay

the cho BaDHiem AAA.2.10 Khi xc cO' giai bi mat trom, mat clfap toan

bo, Chu xe phai thong baa ngay che CO'quancong CJnva Baa Hicm AAA dl1O'c biet de xvIy va thvc hi~n cae cong vi~c thea hU'angcua cO'Quan cong an va Bao Hicm AM.

2.11 Cac nghia Vu khac theo quy djnh cua phap

lu~t.

Oieu 6. Giam djnh ton that1. Khi xay ra ton that, BflO Hicm AAA ho~c ngllai

dU'O'cBao Hiem AAA uy Quycn se tien hanh giam

4/12

djnh cac ton that vc tai san vai sv co m~t cUCJChu xe/ngU'ai dieu khicn xe, cac ben c6 lienquan ho~cngll'b'i d9i di~n hqp phap cua cac benc6 lien quan nham xac dinh nguyen nhan vamtlc do ton that. Ket qua giam dinh phai i~p

thanh van ban co chii' ky cua cac ben lien quan.BaDHiem AAA chiu trach nhiem vo chi phi giam

dinh.2. Tnrang hc;1PChu xe/ngvai diCu khi~n xe khong

thong nhat vc nguyen nhan va mvc do thi~t h~ido Baa Hiem AM xck djnh, hai ben thoa thu~n

chon CO'quan giam djnh doc l~pthvc hien viecgiam dinh. Trong trlfang hc;1Pcac ben khong

thoa thu~ndU'O'cvicc tn/ng cau giam dinh docI~p thi mot trong cac ben dlfc;1cquyon khai ki!)n

t~iToa an nO'ixay ra ton that ho~cnai Cll'tru cuaChu xe/ngl1ai dieu khien xe de chi djnh giamdjnh doc I~p.Ket lu~nbang van ban cua giamdjnh doc I~pco gia trj b~tbuoc doi vai cac ben.

3. Trlfang hc;1Pket lu~n cua giam dinh dOc I~p khacvai ket lu~ngiam djnh cua Bao Hicm AI\/\, BaaHi~m MA phai tra chi phi giam dinh dOc I~p.

Trlfang hc;1Pket lu~n cua giam dinh dOC I~p

trung val ket Ju~n giam dinh eua Bao Hiem A/\/\,Chu xe/nglfai dieu khien xe phai tra chi phi giam

djnh doc I~p.4. Trong trlfang hc;1Pd~c biet, BaD Hiem MA

khong th~ thilc hien dlfc;1cviec giam dinh thi BaDHiem AAA co trach nhiem hU'ong dan Chuxe/ngU'ai dicu khicn xe thu th~pday du thongtin chi tiet vc nguyen nhan, dien bien, mvc dothiet h.i cung cac chli'ng t!t, anh chuP thiet haiva tai lieu lil~nquan de lam can cv xac djnh boi

thlfang.

oi'eu 7. Ho sO'boi thU'angDei vai tllng Vl) vice cv the thi Ho SO' boi thl10ng bac

gom mot ho~cnhiCu lo~i tai lieu sau:1. Tai lieu do Chu xe cung cap:

1.1. Thong baa ton that va ycu dJU boi thl1angcuaChuxe (thee mau cua Bjo Hiem MJ\).

1.2. Tai lieu lien quan den xe, ngU'ai dicukhien xe (bim sao co xck nh~n cua CO'

quan co tha"mquycn ho~c ban photocopyc6 xac nh~neua nhan v;emBao Hiem MA

•

QIIY laC. did" *1701111, bhiu phi, diJu khoim bci sling bao hi'", w.;! chef, xe 0 to - 20/8

sau khi da doi chieu vai ban chinh) nhU'sau:

al Glay chli'ng nh~n baa hiem va/ha~c

Hop dong baa hiem va cae thoathu~n khac b~ng van ban (neu col;

b) Giay dang ky xe, Giay phep lai xe hO'P

Ie ella ngU'O'i dieu khien xe hi tonthat;

c) Cae Ciay to' lien quan den mua ban,chuyen nhllO'ng, cha, t~ng, uy quyen

SLtdung xe (neu co);

d) Giay chli'ng nh~n kiem djnh an taan

ky thu~t va baa v~ moi trll,mg

phU'O'ng ti€m giao thong ca gi6'idll,mg b6 hO'PI~ (trlf trlliYng hO'Pxe

Illu hanh t"m thiYi co van ban chapthu~n ella co quan c6 tham quyenhaac ha"t d6ng trong thai gian th1/chi~n thu tuc dang ky, kiem dinh Ian

dau ti~n t"i Vi~t Naml,

1.3. Tai li~uchl1ng minh thict h~ive tai san,

baa gom:al Hoa dan, chli'ng tit hO'PI~ ve vi~c sLta

chfra, thay mai tai san hi thiet h~i;b) cae giay ta chung minh chi phi din

thiet va hoop Iy ma Chu xe da chi rade Ciam thieu ton that hay de thV'chi en thea chi dan ella Sao Hicm /l.AI\.

lA. Ban an haac Quyet dinh co hi~u l1/c cua

Toa an (neu co).l.S. Cac tal Ii~u can thiet de chuyen quyen

cha Baa Hiem Mil dol boi thllang tit ben

gay thi~t h,,1 cho xe dllO'c baa hlem ma

Chu xe da dl1O'c Bao Hiem AAA Ciai quyet

boi thll,mg thi~t h"i nay (trang trlliYng

hO'Pdbi NglliYi thv bal.2. Tai lieu do Oao Hiem AAA phoi hOOp vai Chu xe

de thu th~p:2.1. Oan sao eo xae nh~neua eC1 quan eong an

trang trLtong he;tptai n~neo sl/ tham giagiai quyet eua cO' quan ding an, baa gam:a) Bien ban kham nghi~m hi~n trllang

vv tai n~n (ncu c6);b) Sa do hi~n trllang tai n"n, ban anh

(neu co);

5/12

c) Bien ban kham nghicm phvO'ng ticnlien quan den tai n~n(neu co);

d) Thong baa sa b6 ket qua d;eu tra ban

dau Vl,l tai n<;ln (ncu co);d) [lien ban giai quyct tai n~n(ncu co);

Gan ket lu~n dicu tra tai n~n (neuco);

e) Bien ban thoa thu~n/hoa eiai (trangtrllang hO'Phba giai).

2.2. Cac tai lieu lien quan den traeh nhiem ellaNglliYI thv ba (neu co).

2.3. Bien ban giam djnh thi~t h.i dllO'c cac

ben thong nhat.3. Cae tai lieu khae co licn quan (neu co).4. TrLtang hoopxe bj mat trom, mat cvap taim be;:

OO'ntrinh baa mat trom, mat evop voi CO'

quan eong an co x.k nh~neua cO'quan eong

an;Quyet djnh khai to va dleu tra hinh $V' (neu

co) lien quan den mat trom, mat cU'OPa to

dLtO'cbao hiem;Quyet dinh dinh chi dieu tra, dinh chi khaito Vl,l an hinh 51/ lien quan den mat lrom,mat cU'opa to dltO'e baa hiem;Khai baD bi mal giay to', tai lieu lien quanden xc bj mat cap, mat ClfOP khi de trcn xe

co xac nh~neua eC1 quan cong an.

oiCu 8. Boiohicm trungBao hiem trung Iii trU'ang hOOp ben mua bao hicmgiaa ket hO'Pdong baa hiem vai hai daanh nghicp

baa hiem tnt len de baa hicm cho cung mot xe a tov6'i cung dicu kie;mva 51/ kicn bao hiem. Vice giaiquyet boi thlliYng th1/c hi~n thea nguyen t~c sau:1. Ooi vai nhung dieu kien baa hicm trung CUi) eac

HO'Pdong baa hlem/Giay chvng nh~n baa hiem:Gao Hiem AM chi chju treich nhiem boi thvangthea ty Ie giua sotien baa hiem da thoa thu~ntrimtong so ticn baa hiern eua tat ca cae hOOpdong rnaChuxe/ngllbi dleu khien xe da tham gia baa hiem.Tong so tien boi thU'ongeua eacdaanh nghiep baohiem khong vvot qua gia trj thict h;;lithl/e tc cua

tai SilO.2. Oei v6'i nhung dieu kien baa hicm khong lrung

nhau CUi) cac Giay chling nh~n baa hiem/HOOpdong baa hiem, Oaa Hiem 1\1\1\ chju treich nhi~m

;

{}uy rae:. dill" khocm, bid" phi, dia" khocm b6 sling baa hiJm w)t chefl xe (} to - 20/8

boi thlfimr, theo tvnr, HO'P donr, bao hiem da kyket.

Oieu 9. Thai h\ln yeu ,au bol thU'ang, khieu ni}i va

thai hi('u khai ki('n

1. Thai h.n yeu diu boi thlfang la 01 nam ke tv

ngay xay ra sv kil!m bac hiem. Thai cian xay raSI/ ki('n bat kha khang hoac tra nr,.i khach quan

khac khong tinh vao thai h.n yeu diu tra tien

bao hiem hoac bo; thlfO'nr,.2. Thai h~nkhieu nqi ve quyet djnh boi thU'ang eua

Sao Hiem AAA la 90 nr,ay (trv trlfO'ng hO'P bat

kha khang) ke tv nr,ay Chu ,e nhan dlfO'C thong

baa boi thll6'ng ella Sao Hiem AAA. Qua thiJihqn ncu tren, BaD Hiem MA se khong giai quyet

khieu "qi.3. ThO'i hi('u khai kien vo hO'P dong bao hiem la 03

nam ke tu thai diem phat sinh tranh chap tvhO'P dong bao hiem.

4. MOi tranh chap phat sinh tv hO'P dong bao

hiem, neu Bao Hicm AM va Chu xe kh6ng giaiquyet dlfO'C bang thlfong IlfO'ng se dlfO'C dlfa ra

Toa an l;;liVi~tNam giai quyet.

PHAN 111- sAo HI£M V1).TCHAT XE OTO

oiCu 10. Phi}m vi bac hicm1. Baa Hh~mAM se boi thlfang cho Chu xc nhung

thict h;;Jiv~t chat do thien tai, tai niil" bat nga,kh6ng ILlang trllac dl1<;J'c trong nhfrng trllang

hO'P sau:1.1. Dam, va (baa gom eel va ch~mval v~t the

kh,k ngoai xe ca giai), I~t.do, chim, rai

toan bQ ,e, bi cac val the khac roi vao;

1.2. Hoa ho~n, chay, no;1.3. Nhfrng tai hoa bat kha khang do thien

nhi(m~;1.4. Mat toan bQ ,e do trQm, Clfap.

2. Ngaai ra, Baa Hicm AM con hoi thLfong cho Chu

xe nhung chi phi din thiel va hOOpIy thea thaa

thuan t.i HO'P donr, bao hiem de thl/C hi en cac

ding viec theo yeu cau va chi dan cua BilO Hiem

/lAA khi ,ay ra ton that (thuQC ph~m vi bao

hiem), bao gom cae chi phi:2.1. Chi phi ngan ngva h.n che ton that phat

sinh them;

6/12

2.2. Chi phi cliu ho va v~n chuyen xe bi thicl

h~i tui nai slra chti'a gan nhat toi da

khong VLfO'tqua 10% so ticn baa hicm.

Dicu 11. lO;,Ji trlr trach nhi~m baa hiem

Sao Hiem AM khonr, chiu trach nhiem boi thlfO'nr,

baa hiem trong cac trLfong hO'P sau:

I. Hanh dong co y gay thiet ht,Jicua Chu xe, ngLfai

dieu khien xe va nhung ngvai co quyen 100ilien

quan den sa hfru, khai thac va Slt dl.)ng xe.

2. Tt,Jithai diem xe tham gia giao thong xay ra ton

that thiet h;,Ji, xe khong co Giffy chLi'ng nh3n

kiem dinh an toan ky thu~t va baa ve moi

trlfcmg phvO'ng tien giao thong cO' gioi dvang

bQ hO'P i(' theo quy dinh cua phap lu~t hi;:n

hanh.3. NglfO'; dieu khien xe khonr, co Giay phcp lai 'e

ho~c Giay phcp lai xe khonr, phu hO'P doi vIIi

lo~i 'e co gilli bat bUQC phai co Giay phcp lai

xe. Truong hO'P nglfai dieu khien xe bi tlfaC

quyen Slt dVng Giay phep lai xc co thai ht,Jn

hoac khong thO'i h.n thi dlfO'C co; la khonr, co

Giay phcp lai xe.4. NgLfai dieu khien xe trong tinh tr<,Jogco nong

do con trong mau ho~c khi tha, Slt dl.)ng rna tuy

va chat kich thich bi cam theo quy dinh cu.

phapluat.5. Xe di V~IO dLfong cam, khu vvc cam, duane

nglfQ'c chicu, reo quay dau tt,JinO'i bi cam, VlfO't

den do hoac khong chap hanh lheo hi('u I('nhcua ngvoi dieu khien giao thong, xe di dcm

kh6ne co thiet hi chicu sang thea quy djnh.

6. Dua 'e (hO'P phap hoac trai phcp); ,e dlfO'C bao

hiem dung de keo 'e khac khong tuan thu quy

djnh cua phap lual.7. Xe cha hilng trai phcp theo quy dinh cua phap

IUat.R. Ton that ,ay ra ngoai lanh tho nlfllc CHXHCN

Viet Nam (tru trvang hO'P ben mua baa hicm

co nhu cau tham gia baa hicm dieu khoan baa

hicm bo sung).9. Ton that xay ra trong nhli'ng lrLfcmg hO'p: Chien

tranh, khunr, bo.10. Ton that do hao mon 1I/ nhien hoac do ban

chat von co eua tfli san. giam gici lrj thU'ong

m~i. honr, hoc do khuyet t~t ho~c hong hoc

.:

(}u)' /{jc, didu *170(111,Mill phi, did" *hocl11 bd sling baD hidm vql clujl xe 0 10 - 20/8

them do slra chlra, trong qua trinh sua chlra(bao gam ca chaY thLt);

I I. Ton that cua clong ca khi xe hoat clong trong

khu vIfC bi ng~p nvac (trtt trvang hqp ben mua

baa hiem co nhu diu tham gia baa hiem dieukhaan bao hiem bo sung);

12. Ton that doi vai sam lop, bat thung xe, nhan

mac trt1 trlfang h~p ton that xay ra do cungmot nguyen nhan va dong thai vai cac bo ph~n

kholccua xc trong cung mot vv tai n~n;

13. Mat bo ph~n cua xe do bi trom ho~c bi Clfap(trlt trlfang hoopben mua bao hiem co nhu cautham gia bao hiem dieu khoan bao hiem bosung);

1.1. Mat toan bOxe trong trvang hqp Itta dao hoilc

I~mdl,lng Un nhiem chiem do~txc (xe cho thueho~c xc cho mlfO'n ho~c sict nO' ho~c tr.mhchap);

15. ThiiH h~ixav ra dol vCrlmay moc, dvng cv dienhay cac bo pMn cua thiet bi dlen do chay qua

tai, qua ap IIfC, cloan mach, til' clot ncng, ho

quang dien hay r6 dien do bat ky nguyen nhan

nao;

16. Xe cha qua tai trong ho"c qua so Ivqng ngvalttt tren 50% theo quy dinh tren glay chting

nh~nkiem djnh an toan ky thu~tva bao ve moitnrang phlfong tien giao thong cO'giai dvangb6 (d51 vai xe cho himg din cli vao tai tn;mg, xccho nglfai din eli vao so ngvai cho tren xe, doivai xc vlta cha nglloi vlta cha hang can cli vaotai trong ho~c so nglloi cho tren xc).

17. Ton that ve cae thiet bj chuyen dung tren xe cogioi va ton that ve xc cO' giai do ho~t dong(trong mol trvang hqp) cua cac thiet bi chuyen

dung eua chrnh xe cO'giai gay ra;I S. Ton that colcthiet bj lap them trim xc ngaa; cac

thiet bi cua nha san xuat da lap rap (khong baagom colcthiet bj mang tinh chat baa vr; cho xe:hf; thong baa dong, dn trvac, can saul va t6nthat ve xc cO'giai do cae thiet bj lap them trenxe ngoai cae thiet bi cua nhi! san xuat da I~prapgay ra.

7/12

Oieu 12. 56 tien baa hiem va gla trj bao hil?m (giolthi trvCrng)1. So tien bao hiem Iii so tien ma Chu xe yeu diu

aao Hiem AAA bflO hiem cho xe eua minh vadvqc ghi tren Giay chting nh~n baa hicm/Hqpdong bao hiem va khong Ian han gia thi lrvang

cua xc.2. Chu xc co the thoa thu5n tham gia baa hiem

b~ng haac thap han gia thi twang cua xe.

3. Bao Hicm AAA xae djnh gia trj cua xc tham giabaa hit~mnhll sau:3.1. Doi val xe mai (lOO%), gia trj cua xc la gia

ban xe do colehang san xuat trong nvCrccong b5 tal thi trvang Viet Nam, hoilc gla

xe nh~pkhau da baa eorn tat ca cac lo~ithue thca quy djnh cua Nha nvac.

3.2. Ooi vai xc 6 to da qua su dl,lng,gioltrj cuaxc la gia mua ban trung blnh cua chiec xecung chung lo~i(cung hang san xuat. m~u

xc, dung tich xi lanh, nam san xuat) dlfQ'Cchao ban tren thi trvang ngay tai thai

djf~mxae djnh gia thi trvone cua xc.

Oicu 13. Gitii quyct quycn I~ibao hlem1. Boi thvang t5n that bo ph~n

1.1. Oao Hiem AA/\ chiu trach nhi{!m thanhtoan chi phi thlfc te hqp Iy de slia chfra,

thay the (trvang hqp khong the sLtachfra

dvqc) bO ph~n hailc tra b~ng ticn chaChu xc de bu dap ton that thuQCphym vibaa hiem trcn cO'sa xac dinh dl1~cehi phihqp iy cle sLtachfra, kh5c phvc t5n that cc

the phai tra sau khi ap dvng mtic khau trtt

(neu cc).1.2. each xac dinh s5 ticn boi thvang:

al Tr110ng h~p xc dv~c baa hicm dVcYi

gia tri, so tien boi thvcrng se dv~cdnh theo ty Ie BiLt~55 ticn bao hicmva gia thi trl16'ng cua xe tyi thai diemtham gia baa hh~m;

b) Trvang hO'Pxe clvqc baa hlem b~ng

ho3c tren gia tri, so tien boi lhl1b'ngb~ng chi phi hqp Iy de phvc hal, sLtachua xc bi ton that. each xciedjnh chiphi hqp Iy cho bo phan hv hong ph0;thay the thvc te tnT di so licn khau

,

QIIY Idc, diJlI khoim, bidll phi, diJlI khoim h6 sling baD hid", Vt;ilchell xe 6 10 20/8

hao (trv trLtang hO'P co thoa baahiem bo sung boi thvcmg khong apdVng khau hao thay mail, cv the nhLt

SelU:

Xc sir dvng dLtai 03 n3m: khau

hao 0%;

Xc sir dVng tv 03 n3m aen

altai 06 nam: khau hao 15%

gia Iri bOphan thay mai;

Xc sir dvng tv 06 n3m cenaltai 10 nam: khau hao 25%

gia tri bOphan thay mai;

Xc sir dVng tren 10 n3m: khau

hao tv 35% cen 50% gia Iri bO

phan Ihay mai;1.3. Sao Hiem AAA boi IhLtang chi phi san I.i

tatm b6 xe neu trcn 50% dien tfch san cuaxe bj hv hong do ton that va thea nguyentac tinh boi thLtang quy ajnh toi mvc 1.2a

va 1.2b Oieu 13 Quy t~cnay.2. Bai thvb'ng ton that toan bi)

2.1. Sao Hiem A/\A boi thl1b'ng ton that totlnbe>trong trl10ng hoopxc bj thiet hr)i trcn75% gia thi trLtang; hoac chi phi sua chO'a

Ihiet h.1 b~ng hoac Iren 75% gia Ihitrl1b'ng cua xc t~ithai diem trl1ac khi xay

ra ton that.2.2. Baa Hiem AAA co trtlch nhicm boi thlfong

ton that ta~mbi) xc bj mat trom, matcl1ap khi co ket lu~ncua ca quan cong andinh chi dieu tra ha~e dinh chi khai tohlnh sV' lien quan den mat trQm, matcl1ap cua chinh chiec xe do.

2.3. 55 ticn boi IhLtang t5n that toan bo b~ng

gia thj trl10ng cua xe trl1C1C khi xay ra tonthat cung chung lo.i va thong s5 ky thual

va khong Vl100tqua so ticn ghi tren Giaychling nhan baa hiem hoac HO'Paong baa

hiem.3. Thu hoi tai sfm sau boi thl10ng

Khi Baa Hil~mAAA d5 boi thl1ang ton that bi)phan hoac toan bo xe thi bO phan hLt hong hoac

toan be>xc do thuQc Quyen sa hfru cua BaoHiem AAA, cv the:3.1. Oei vai trl10ng hoopboi thl10ng thay mai

bO phan, Sao Hiem AM se Ihu hoi bo

8/12

phan hLt hong aa aLtO'c tra tien boi

IhLtang thay mai (ke cO trLtang hO'Ptrv

khau hao).3.2. Ooi vai trl1ang hOOpboi thvang ton that

toan bo, sau khi Bao Hiem MA da boithLfcmgtoan bi) xe thi toan bo gia trj thuhoi chiec xc bi ton that thuQc sa hfru cuaSao Hiem AM. TrLtang hO'PIham gia baa

hiem dLfai gia trj thi Bao Hiem AA/\ thuhoi phan gia Iri wang aLtang thea tv Ietham gia baa hiem. Trlfcmg hoopChu xe coycu tau nh~nI~ichiec xe bi ton that lOanbo, [lfJOHicm AAA se giam so tien boithLfb'ngton that to::tnbe>tvong dvang giaIri thu hoi chiec xc bi 15n thaI thea ainh

gia eua [lao Hiem AAA.3.3. 05i vai IrLtang hap boi IhLtang xe bi mat

tri)m, mat cLf6'p SeW do tim dvQ'c xc bjmat tri)m. mat cVcYpthi [lao Hiem A/\/\dl1O'CQuyen sa hfru toan bOchicc xc do.

Oicu 14. Mltc khau trlr1. Mvc khau trlt la so ticn dLfQ'Can djnh tren Giay

chung nh~n baa hiem va HOOPdong baa hiemma NgLtai aLtO'c baa hiem phai tv ganh chiu

trong moi va moi Vl,l ton that bi) ph~n eua xetham gia baa hiem v~t chat xe tyi Baa Hiem

AM.2. Baa Hiem MA ap dvng muc khau trlr toi thieu la

500.000 (nam tr~m ngan) aong/vv va aLtO'cghi

trong Giay chling nhan baa hiem.

Oieu 15. Giam trv boi thU'ang1. Sao Hiem AAA Ihvc hien giam mlic boi thLtang

Ihcc IV Ie trong cac IrLtang hO'Psau aay:1.1. Giam 10% so ticn boi thl10ng lrong cac

tmang hO'Psau:a) Chu xc khang giri Thong baa t5n that

(b~ng v3n ban) cho Sao Hiem MAIrong thai h.n as ngay iam viec ke Ivngay xay ra ton that (trv trvong hoopbat kha khang hoac aa aLtO'c SaoHiem AAA gicim djnh thict hyi lrangthai gian nay);

bl Chu xe khong thvc hien aay au cac

bien phap cliu chua, h.n che thi('t

•

QII)' Ide:, d;dll khoim, bhill phi. d;d" khoan b6 sung bao hidm vrJIchdt xe 0 t6 - 20/8

hQi ve ngvai va U~isan, bao ve hientnrimg ton that trit t"fang hQ'p di

ehuyen de dam bao an ta~m, ha~cphai thi h~lnh thea yeu eau eua cOquan chLi'enang.

el Chu xc do tren dja hinh doc nhvngkhong SLtdvng he thong phanh, chen

banh de xe tl,1'troi gay ton that.1.2. Giam 25% so tien bOl thvang trang cae

trvang hqp sau:a) Chu xc til y thaa ge; ha~c sLta chila

tai san khi chl1a co y kien chap lhu~ncua Baa Hiem AA/\ (trl1 trl1ang hoopcan thiet de dam baa an to~m, dephong hQn che thiet hQi ve ngvai vatai san ho~c phai thi h~lnhthea yeueau clla ea quan co tharn quyenl;

b) Chu xe VllQ't qua toc do cha phep vaco ket lu~n b~ng van ban cua ca quanehve nang xae djnh Vl1O'tqua tl1 20%tra len.

1.3. Giam tv 50% den 70% so tn~n boi thU'angtuy thea mLi'edO loi ella Chu xe trang eactrvang hOOpsau:a) Chu xe khong baa IllU quyen khieu

"91 va chuyen quyen d6i Ngltai thLi'ba eho Bao Hiem /\AA kern theo tO~1n

bo ho sa, cae din eli' tai lieu can thiet,khong hOOptac ch~t che vai Oaa HiemAAA de dbi Iyi Ngllai thU' ba ha~c tl/

dong thea thu~n boi thl1ang vaiNgllai thU' ba gay thiet hyi cha Baa

Hiem AAA;b) Chu xc khong trung thl/c trang viec

cung cap cae thong tin, tai lieu,ehvng tv trong ho sO' boi thU'ang;kh6ng tQa dieu kien thu~n 100ichaBil:OHiem AAA trong qua trinh xileminh tinh eh~n thl,1'celsa cac thongtin, tai lieu, ehvng tv do.

1.4. Giam so tien boi thllong tllO'ng vng vai tyIe % ehO'qua trong tai, so ngltoi (tv tren20% dOn 50%) thea quy djnh trang GiaychU'ng nh~n kiem djnh an taan ky thu~t

va baa ve moi trllong phl1O'ngti(m giaathong dllang be>,

9/12

1.5. Giam so tien boi thl1ang thea ty Ie gilra sophi thl/c nap va so phi phai nap thea quy

djnh trang trllang hQ'p:

a) Chu xe ke khai giay yeu diu baa hiem

sai (khong dung mVc dich Slr dVngcua xe) lam thu thieu phi baa hiem sovai quy dinh;

b) Chu xe khong thong baa cha Baa

Hiem AAA tronp, trU'ang hQ'pco sl/ giatang mLi'cdo rui ra baa hiem de besung phi bflO hi em (nhu chuycn doiml,lCdich SlYdvng. hoan cai, nang caplam tang gia xe),

2. Nguyen t~kgiam trCrso tien boi thLfang:Khi Chu xe bi giam trv so tien boi thvang theanhieu ty Ie khac nhau eha eac hanh vi vi ph~mkhik nhau, BflOHiem AAA se Iva chon ilp dl,lngduy nhat mot IOiiligiam trtf so tien boi thvangthea ty Ie caa nhat.

PHAN IV - cAc DIEU I(HOAN BAO HIEM BO SUNG

Chu xc co quyen Il,1'achon tham gia them mothay nhieu dieu khoim bao hiem bo sung duO'cquy djnh trang Quy tae baa hiem. oieu khaanbaa hiem be sung phai tu~n thea cac dicukhoan, dieu kien va cae diem 10i;lit"J quy djnheua Quy tac baa hiem.Ngaai cac dicu kien rieng trong tung dieu khoanbaa hiem bo sung, Chti xc khi tham gia dieukhoan baa hiem bo sung phai dap Ltngcae dicu

kien sau:+ Chu xe phcii dang tham gia baa hicm v~t

chat xe con thai h()n baa hiem t<li BcioHiem AAA;

+ Thai h()n baa hiem bo sung khong vVQ'tqua thai h()n baa hiem v~t chat xc demgcon hicu Il,1'c.

Tren cO'sO'Chu xe yeu cau va da dong them phibaa hiem thea quy dinh, Baa Hiem AAA nh~nbac hiem be sung vaa Giay chung nh~n baahiem/HO'P dong baa hit~mcae dmu khoan baahiem bo sung rieng biet sau d~y:

1. Oicu khmin bao hicm bo sung AUOO1.AAA: aaahicm thay the m&i

{}uy tlk diJII khoim. bid" phi, did" khocin bd sung baa ",.tim ,,(it chat xe 0 to - 20/8

a. Dieu ki~nxe tham gia bao hiem:Xe eo thai giao Stl dl,lng tv 3 nam den dl16'i10 nam kc tv n~mSilO xuat;

b. Quyen IO'ibao hiem:Bao Hiem AM so boi thlfang cac bOph~n bi

hlf hong can phai thay the thuoc ph~m vi

bao hiem rna khong trv phan hao mon

(khau hao) Slr dung.

2. oiCu khoan baa hicm bo sung AU002.AAA: Baohicm v~t chat xe ccygiai ngoa; lanh tho Vi~t

Nam

a. oieu kicn tham gia bao hh~m:Chu xe co Giay phep do cO' quan co tham

quyen cap doi vai xe ca giai tham gia baohiem theo quy djnh cua phap lu~t giaothong dlfang bO;

b. Bao Hiem AA/\ trien khai bao hiem v~l chatxe ca giui ngoai lanh tho Viet Nam va co dQidien dU'O'cuy quyen giam sat viee tht,rchi(mHO'pdong bao hiem, cu the: thu th~p ho So',tai lieu vv ton that; giam djnh hien trl1angvv ton that ho~c phoi hO"Pvai CC1 quan lienquan thvc hi.;n.

c. Quyen IO'ibao hiem:Bao Hiem A/\A boi thU'ang cac ton that vcxe ca giui trang phQm vi lanh tho cua quocgia xe ca glui Viet Nam dvO"cphcp tharn giagiao thong.

d. laQi tnt bao hicm:Mat xe do bi trom ho~c clIap tt,li cac quocgia ngoai lanh tho Vict Nam dtlO'c xac I~pnh~n bao hiem lrong dicu khoan bo sungnay.

3. Oicu khoan bao hicm be sung AU003.AAA: Baahicm v~t chat xe cO'gi6'i Ivu h~lnhti}m thaia. Ph;;1mvi baa hiem: Ton that ve xe 6 to 11iU

hanh trong thai gian tv xtlang s~n xuat, khohai quan den nai ciao nh~nxc, ho~c tv khohai quan den nai giao nh~nxc.

b. Oieu kien tham gia bao hiem:Oieu khoan nay ap dVng cho xe mai xuatxU'angva xc nh~pkhau:

Xc mai xuat xl1cYngphai co Phieu kiemtra chat IlfO'ngxuat xvang;

10/12

Xe nh~p khau tv kho, cang phai coChL1ngchi chat ILfO'ngxe nh~p khau va

ho So'hoan tat thu tvc hai quan;c. Thai h.n bao hiem: Khong qua 15 ngay (trv

khi cothoa thu~n khac);d. Lo~i trv bao hiem: Xe bi ton that do loi kg

thu~l.

4. Oi'eu khoan bao hiem be sung AU004.AAA: Baohiem thuc xc trong thai gian sua chfraa. Oieu kien xe tham gia bao hiem:

Xe 6 to cheYngvai khong kinh doanh v~ntaidlfai 7 cho ngaL

b. Quyen IO'ibao hiem:Baa Hiem AM se thanh toan cho Chvxe chi phi thue xc Stl dVng trong thaigian sua chO'ado ton that thuoc ph~m

vi trach nhiem bflO hiem, kh6ng tinhthai gian xe bj ca quan chtic nang gilt.Chi phi thue xe dLfO'Cthanh toan: Chi

phi thue xc tung cong nang SLrdVng,chung lo~ittlang tl/ chiec xe dVO'c baohiem cva Chu xe; Bao Hiem AAA scthanh toan 80% chi phi thue xe thvc te,

khong qua 500.000 dong/ngay.Thai gian thanh toan chi phi thue xc teida khong qua: 30 ngay/nom bao hicm.

c. M..rc khau trv:Chi phi thuc xc 4 ngay tinh tv ngay xay raton that bao 130mca thai gian xe bj ca quanchti'cnang thu gilt.

S. Oicu khoan bolohicm bo sung AUOOS.AAA: Bolohiem !Ita chon cCYsa SLr<Jchua va phl,l tungchinh hangCac ben thoa thu~n va hicu ding: Tuan thce cacdieu khofm, dieu kicn va cac diem 10;;litrv dl1Q'cquy dinh trong HO'p Dong Bao Hiem nay hoacdieu khocin bo sung trong do, val dieu ki(m phibao hiem dil dlfO'C thanh toan day du theo nhlf

quy dinh thuoc Quy T~c Bao Hicm, trong t",ang

hO'pxe bi thi.;t h~i do tai n~n thuoc ph~m vi baohiem, ngvai dlfO'Cbao hiem co quyen II/a chonxvang stla chCra(garage) de slra chfra cac thieth.i do tai n.n do gay ra.

.'

IJ"Y Iii". di~l1khoim, bidll phi. didu khoim b6 sling bao Mini vql chefl xe 6 10 - 10/8

Tronp, tn/ong hO'POao Hlem AAA nh~nthay r~ng

«ic bO ph~n bi thllit h.i khong the sira chita den

mu-cdo chat h/Q'ng c6 the chap nh~n dlfQ'C,Sao

Hiem AAA se dong V tra cha nglfai dlfQ'C baa

hiem chi phi thay the phv tung chinh hang', vai

dieu kilin xe da dlfQ'Clap d~t cac phv tung chinh

hang (c6 the nh~n biet dlfQ'C)cha den thai diemxay ra tai nqn. cae phI) tung khong ehinh hangkhi bi thilit hai din thay the se khong dlfQ'Cthaythe bai phI) tung chinh hang.Bao Hiem AAA se khong boi thvang eho nglloidlfQ'c baa hiem bat ky ton that hi) qua (tai chinh

ha~c phi tai chinh) hay chi phi glan daan klnh

doanh niw lien quan den bat ky Sl/ trl hoan naotrong qua trinh slra ehCta xe ho~c trong quatrinh phv tung chinh hang dlfQ'Cnh~p khau hay

dvoc cung cap theo phvang thlic nao khac.Dol vai nhitng xe nhilp kh5u khong c6 dal IVdvoc chinh hang uy quyen tqi Viet Nam, BaaHicm AAA se khong boi thvong cho ngvai dVQ'c

baa hiem bat ky khaan chi phi thue chuyen gia

o1lo'c ngoai hay chi phi chuyen man can thietcha vilic lap dilt phV tung chinh hang hay thl,l'c

hien slra chCi'athiet h9i coc)xc.Trang trlfang hQ'p xe bi thii)t h.i din dlfQ'Cthaythe phv tung chinh hang khong con dlfQ'Ccung

cap a thi trvang Viet Nam, Bao Hiem AAA se boithvang cho ngllO'i dllOC bao hicm khoflO chi phimua phv tung chinh hang thay the nhlf phV tung

chinh hang d6 dang dlfQ'Cban tal thi twang Vii)t

NOIm.

, Ph" tung chinh hOng fiJ phu tung dlfr;1CSIf dung,

san xuO't hay cung cap b&i nha san xuat xe haym(it dO'i toe lien ket cua nha san xuat xe do. PhVtung chinh hOng c6 thO boo gam nhii'ng phutung rna nha san xuat xe hay met do; tac lien ketcua nha san xuat xe do san xuat t"i met quO'cgio khac vai quoc gia ma xe dVf1C san xuat haynhiJp khou tit 06.

6. Oicu khoan baa hi em be sung AU006.AAA: Saohiem ton that eua dong eO' khi Xl:' ho~t dongtrong khu vl,J'ebj ng~pnllCrca. Quycn IOi bao hiem:

Sao Hiem AAA sc tra tiCn boi thvong chi phisira chita, thay the nhitng thii)t hai thl,l'Cte

11/12

ella dong ca do xe ho9t dong trong vungdang bi ng~p nlfaC ha~c nlfac 19tvaa dong

CCJ gay ra hii)n tlfQ'ng thuy kich nhlfng la.i

trlt tfCichnhi~m bao hicm trvang hOp lai xeco gang khai dong lai dong ca da nglfng

ho~t dong vi di vao dllong ng~pnvac.b. Mu-c khau trll':

20% so tien boi thvang va toi thicu3.000.000 dong/vv, tuy thuQc vaa so naaIan han.

7. Dicu khoan bao hicm bo sung AU007.AAA: Baohlcm Xl:' bj mat trQm, ellap bo ph~n

a. Ph~mvi baa hiem:Xe bi mat trom, wap bo ph~n.

b. Quyon lQ'ibaa hiem:Sao Hiem AM ehiu trckh nhiem thanhtaan chi phi thl,l'c te, hO'PIV M thay thebo ph~nbj ton that ho~ctra b~ngticncha Chu xe di! bu dap ton that thuQc

phqm vi baa hiem tren ca sa xac dinhdlfQ'Cchi phi kh5c phvc ton that c6 the

phai tra.GiO'ihqn so Ian mat trom/cap : 01 Iancho m6i bO ph3n doi voi cac HOOpdonr,bao hicm co thO'i h9" den 1 nam(khong qua 2 lan/n~m).

Co Mlie khau tni' t6i thieu:20% ton that va toi thieu 2.000.000

dong/vv, tuy so naa Ian han.

8. oiCu khotln bao hicm bo sung AU008.AAA: Saohicm v~t chaOtdoi vai Xl:' mi~n thue, t()m nh~p,tai xuata. Dieu kien tham gia bao hiem:

Xe t9m nh~pvao Viet Nam sau do xuat sangnlleYcngoaLXe mien thue.Xe eua ca quan ngoqi giao.

b. Quyon iQ'ibaa hlem:

Trlfang hQ'p xe bi ton that bo ph~n: Baa

Hiem AM boi thlfang chi phi thl,l'c te hQ'pIV

dO sLta chita, thay the (tmane hQ'p khong

the sira chO'adlfQ'C)bO philn ha~c tra b5ngtren cho Chu xe de bu d~p ton that thuQCph9m vi bao hiem tren ca sa xc tham gia

Qn}' lac, di~1Ikhoan, bid" phi, di~lf khoan b6 sling bao hidm v(ll c/uit xe ()16- 2018

bao hiem dung giJ trj v6'i So tien bao hiem

ttfong dU'ong vai xc cung I09i da tfnh caelO;,li thue.

TnJ'cmg h(,Ypxe bi t6n that tcan bO hay tcan

Ii Mltc khau trLr Ti I£}giam phi tei da0 1.000.000 VNO 10%

U' 2.000.000 VNO 15%

a 3.000.000 VNO 20%

c 4.000.000VNO 25%

5.000.000 VNO 30%tfnh: Sao Hiem MA hoi thl/ong cho Chu xc

so tien bang gia trj tham gia baa hiem (gia

ehU'a tinh cae 10<;11thuC) cua chiec xc d6 t9i

thai diem xe bj thi~t hai.e. 8icu kien boi thl/ong: Xe phai dltO'e SltCl

chG'a trcng pham vi lanh th6 Vi~t Nam.

9. Dicu khoan bao hiem be sung AU009.AAA:

MLtc khau trLr khacCae hen thea thuan va hieu ram~:Tuan thea cacdicu khoan, di'eu kicn va cae diem IO<;litrLr va phf

12/12

bao hicm ail aU'O'c thanh toan thea quy dinhthuQe Quy T~e Baa HH'fm nay, Baa Hiem AAA Sf!

khong chiu trach nhiem thanh taan 56 ticn dautien cua moi va mQi ton th~rt la Mlie khau trlrdU'(,Ycghi trim Giay Chfrng Nhan Bac Hicm

va/hcac H(,YpOong Bac Hicm Vat chat Xe 6t6

Chu xc co the Iva chon mlrc mii2:n boi thuang e6khau trG' tlt 1.000.000 VNO den 5.000.000 VND

thi phi baa hiem dU'O'C giam tren phi gOp ea bannhll sau:

10. Thea thu~n bo sung khae:Ngoai cae di'eu khaan bo sung neu tren, cae ycu

diU baa hiem khae eua Chu xc va silO hem /\/\/\

co the thea thu~n bao hiem be sung bang van

ban thea cae dieu khaan baa hiem rieng tren eo

sa Chu xc dong phi baa hiem bo sung tuang ling

va dU'O'cchap thu~n eua Bao hil~m A/\A.Trang moi trltong hqp, Baa hiem AAA dam bao

mli'e phi bao hiem v~t chat xc 0 to (baa gom eaphi bao hiem eua cae dieu khaan be sung) khong

thap han mlie phi thuan eua Bo TiJi ehfnh.

{!f1Y tac. didll khoill7, hidu phi, dMu khoan h6 sling baD hidm wjt chAt xe 6 t6 - 20/8

,.J .,? ••~ ••••. ' ••.••.

BIEU PHI BAa HIEM V~T CHAT XE a TOBan h'lnh kem thco Quy tac Bao hiem V~t chat xc 0 to

(Da awe chap thuiJn aang ky thea ding van 56' J4564/BTC-QLBH ngJy 22/11/2018 cua aq TJI chlnh)

1. Bieu phi gap CO' ban fbieu phi 1 nom}

TVI~phi gc;.pcO' ban (%)

Thai gian SLYdl.Jngxc 55 tiCn baa hiem 55 tiCn baa hicm

Tv 500.000.000 VND tra xuang Tren 500.000.000 VND

<OlN,m I OlSN,m<06 I 06SN,m<10 ~ 10Ndm <03 Nam OlSN,m <06 06lN,m<10 ~ JONam

Xe cha hang

Xc kinh daanh v~n tai hang hoa; xc tai1.77 1.94 2.10 2.26 1.69 1.85 2.00 2.15

trcn 10 tan

RO'mooc 0.97 1.13 1.29 1.61 0.92 1.08 1.23 1.54

Xe d~ukeo; xe dong lynh trcn 3.5 tan; xehOyt dong trong vung khai thac khoang 2.42 2.58 2.74 3.06 2.21 2.35 2.5 2.79

sanh

Xc cha hang con Iyi 1.45 1.61 1.77 1.94 1.32 1.47 1.62 1.76

Xe cher ngU'aiXc khang kinh doanh; Xc bus; Xc t~p fai;

Xc hOyt dong trong noj bO cimg, khu cong 1.15 1.28 1.41 1.54 1.13 1.25 1.38 1.50

nghiep, san bayXc kinh doanh v~n tai himh khach lien

tinh1.94 2.1 2.26 2.42 1.76 1.91 2.06 2.21

Xc taxi, xc cha thue tv lai 2.58 2.74 2.9 3.06 2.67 2.83 3.00 3.17

Xc kinh doanh cha nguai con 1.1 1.61 1.77 1.94 2.1 1.47 1.62 1.76 1.91

Xc Vlta cher ngU'ai vLra chlY hang

Xc bon tai (pick-up) 1.77 1.94 2.10 2.26 1.62 1.76 1.91 2.06

Xc Vlttl ch6' ngttai Vlra ch6' hang con l;;Ii 1.45 1.61 1.77 1.94 1.32 1.47 1.62 1.76

Bieu ti It:phi gOp ca ban cuo bao hiem veit chat xe 0 to 6' t(en 16mu-cphi baa hiem dang kyoAAA co quyentong phi baa hie.m do; va; cac do; tu(tng baa hiem xe 0 to co (ui fa coo thea ket qua thom djnh thl/c tiJ:Bieu phi baa h;em ca ban chua baa gam phi baa hiem dieu khoan bao h;em b6 sung.

2 Phu ohi cho cciedi'eu khoan bo sunG

Ma DKB5 Oieu khoan bo sungTVI~phV Tuoi xe Oaf tuQ'ng op dVng

phi

IIU001 Bao hiem thay the m6'i0% < 03 Nom

T5t cOcae lo~i xc theo quy dinh0.1% ~ 03 NOm

Bao hiem v~t chat xe cd gioi 50%Xe 0 to lU'u thong sang cae m1'O'e

IIU002 ngoai lanh tho Viet Nam (')Trung Quoe, lim, Campuehia.Thai Lan

IIU003Baa hiem v~l chat xe co gi6'i +1.5% x So tien bflO hiem x (So Tat ca cae JOyl xe 6t6luu hanh t.m thai ngay tham gia bao hiem/365)

IIU004Bao hiem thue xe trong thai

600.000Chi op dung cho Xc khang klnh

gitln sLra chG'a doanh

1/2

(.Ju)'tljC. didu khoim, bid" phi, did" khoim bd .\'lIng btio hid", v(it chti, xe 6 u1-10/8

Oao hiem Iva chon eo so 0% < 03 NomIIU005 su-a ehC'ta va phv tung ehinh Tat ca eae I09i xc theo quy djnh

hang0.1% ~ 03 Nom

- Tat cc1cae IOi;1ixc otaBcia hiem ton that eua dong - Mvc khau trll; 20% so tien

IIU006 CCJ khi xc ho.t dong trong 0.1% boi thLtong va tei thieukhu v\l'C bi ng~p ntfaC 3.000.000 dong/vv, tily

thuoc vao so nao Ian hem

IIU007 Bao hiem xe bi mat trom, 0.2% 0111in/nomXe khOng kinh doanh

wap bO ph~n 0.4% 0211in/namXe t~m nh~p tai xuat:

- DU'ai 15 cho ngol+4.0% x 56 tien baa hiem x (56

- ngay tham gia bao hiem/365)IIUOOB

Tlr 15 den 25 che ngoi+3.5% x So tien bao hiem x (56 Tat ea cae lo~i xc thea quy djnh- ngay tham gia bao hiem/365)

- Tren 25 cho ngoi+3.0% x So tien bao hiem x (56ngay tham gia bao hiem/365)(10%) 1.000.000 VND(15%) 2.000.000 VND

U009 Mvc khau trll khac (20%) 3.000.000 VND Tat ca cae lo~i xe thea quy djnh(25%) 4.000.000 VND(30%) 5.000.000 VND.-

UOlO Thoa thu~n bo sung khae

IIIIIIII,-): Tlnh tren phi gOp ClY ban va chU'a boo gam cac phv phi cuo dteu khoan baa hiem b6 sung.

3. Phi baa hiem co ther; han baa hiem khac 01 nam:

Phi bao hiem 01 nam x Thai h.n bao hiem

365 (ngay) (ngay)

LU'u Y: aao dam nguyen tdc trang moi tndmg hr;rp,phi bao hiem vt;it chat xe 6 to (chvG baa gom phi baahiem cua cae dieu khoan b6 sung) kh6ng dU'r;rcthap han phi baa hiem thuon v(it chat Xl? 0 to tvang vng

vai 109i xe 6 t6 theo Quyet djnh sri 1201/QD.BTC ngiJy 28/6/2017 (doi v6'i t"rang h{fp thai h9n boo hiem

1 nam) va phi thuon thea c6ng thvc neu [ren (doi vai th&i h"n baD hiem khac 1nam).

4. Giamphi bao hiem:

Doonh nghiep boo hiem ehU di;ing giom phi tuy thui;ic rui ro tot. lich sli'trin thOt trit hoi;ic d6"i tlJ'{fng khOch hOng,

kenh phon phoi hicu qua. fuy nhien trong moi trv&ng hr;rp, mvc phi boo hiem sou khi giom phi toi do (chU'o baD

gom phi baa hiem cuo cac dieu khoan baa hiem bo sung va thue GTGT) khong thap han bieu phi thuon cuo 8QTiJiChinh bon hOnh kem theo c6ng van so1201/QD.BTC ngay 28/6/2017 .

.............. _ .. -11- _ •..•.....

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