euY rAc nAo nrnnnNHA TUNHAN · 2020. 2. 28. · PT nhT quy6n lqi cta minh trong U-6t t' tdisan dusc b6o hi6m ndo ttreo frgp Abitg UiE hi6m ndy nhtmg thri tuc mua brin chua hodn t6t

euY rAc nAo nrnnnNHA TUNHAN(Ban hdnh kim theo Qrrydt dinh sii 005). /2018/QD-nGD-NV ngay L6 rhdng .Q I ndm )n1.9

cila T6ng Gidm diic C6ng ty C6 phdn Bdo hi6m Bdo hiAm Himg Vuong )rnfN C.O SO Ngucri dusc b6o hiem da $rt gi6y y6u cAu b6o hi6m dusc xe_m ld mQt b0 phdnkh6ng th6 tacn rcri ctra fon tl6ng bao hich cho-Cdng fy C6 pltAo Bio hiOm Hirng v,torg(duoi 9ey gqi ld Bio hi6m Hirng Vuomg) vd d6ng y nQp mQt sd phi b6o hitlm cho Hgp eOngb6o hitim ndy.

HOP DdNG BAO HIEM NAY xAC ryf41f rdng Bio hi6m Hing Vuolg sc b6i thucmgcho Nguoi.dugc bao h16m tat camgi-t6n th6t hay-thiet h?i xiry ratrong thoi han bao hieritheo cilc ili6u khoan,.,fidy ki6n, cdc di6m lo4i tru quy ttinh trong quy t6J b6o hi6m ndy ho{cc5c di6u khoan sria d6i b6 sung dfnh kdm.

cHrlor\c r. NHtTNG QUY DINH CHUNG

Diiiu 1. Cfc itinh nghia

Theo hgp tl6ng b6o hi6m ndy, c6c cpm tu vi tri duoi <l6y dugc hiiSu vd gi6i thfch nhu sau:

Bio hi6m Hing Vucrng ld C6ng ty C6 phan Aao hi6m Hung Vuongthanh vi€n, Chi nh6nh, Vdn phdng dai diQnHirng Vuong riy quy6n.

h kha ning x6y ra t6n th6t.

Rrii ro tlugc bio hi6m ld rui ro du-ry. c ch6p nhfn b6o hi6m vd dugc n6u trong Gi6ychimg nhfln b6o hi6m.

IIgp tt6ng bio hi6m

Ngdi nhdr

bao g6m Gi6y y6u cAu b6o hi6m, Quy tic bio hidm, Gi6ychimg nhQn bno hi6m, cdc tti6u khoan sria d6i b6 sung, cdc th6athu4n kh6c dugc lap bdng vdn ban gifia Ngucri euqc Uao hiemvd Bio hi6m Hing Vutrng.

Tiri sin tlugc bio hi6m ldtdt cit cdc tiri sin bao g6m Ngdi nhd vd/ho{c tdi san b6n trongduo. c n6u rO trong Gi6y chimg nhAn b6o hi6m.

Nguiri dugc bio hi6m ld Cht sd hiru, Nguoi thu€ c6 Hgp d6ng, Thenh vi6n gia dinh,Nguoi ducr. c giao quan ly tr6ng coi, sri dgng tdi s6n ducr. c b6ohii3m duo. c n€u c9 thrS trong Gi6y chtmg nnan Uao hi6m.

Rti ro

ho{c c6c Cdng tytlu-o. c Bio hi6m

ld cdng trinh xdy 4fntg ta* bdng g4ch, d6, xi *tog, m6i ng6i,t6n bao g6m c6 cdng, hdng rdo, ldm noi cu tru vd.4rodc vdnphdng vd/ho{c, cta hang tlrcri trang du-o. c n6u trong Gi6y chimgnhan bAo hi6m; thuQc quy6n so htu cria Ngucri duqc beo hiemho{c Nguoi dugc b6o hi6m c6 trdch nhiem ph6p lf tr6ng coiquan ly; c6 rlia chi tr6n lanh th6 ViQt Nam; kh6ng bi tranh ch6pho{c kh6ng dang trong thcri gian gi6i toA.

Thoi gian kC tu khi hodn thiQn x6y. dpg vd dua vdo sri dqngkf6ng qu625 ndm cho tl€n ngdy GiAy chrmg nhQn b6o hiOm b6tddu c6 hiQu lUc.

littdtch c6c dd dpe, dpng cg gia <linh vd c6c tdi san kh6c datb6n trong khu v.uc ng6i nhd ttruQc elia rli6m bio hiOm dugc ghi

Tii sin b6n trong

Trangl/9

euY TAc nAo nrfvr mra rUmrAn

Thirnh vi0n gia tlinh

S5 tidn bio hi6m

Mftc kh6u trir

Ngudri thg hu6nrg

TOn hgi

Lii

tr6n.Gi6y chimg nh6n bAo hi6m thuQc quy6n sd hiru ho{c thuQcquy6n tr6ng coi qu.an ly hgp ph6p cua Nguoi du-ry. c bio hirimnhrmg kh6ng bao gdm:

-.1 ,...1 . Ao Ti6n (ti6n gi6y hay ti6n kim lo4i), gi6y to co gi6, s6c, l€nhchuyiSn tidn, thu bio ldnh, tin phii5u, hOi phitiu, chimgkhodn, ban giao ufic, gidy hgn tri ti6n, tem, tdi liQu, ban

A ,,th6o, s6 srich, gi6y td c6c lo4i; vang b4c, kim lo4i quf, i16

qyi, gd trang sfc, it6 mf nghe, b0 da 16ng thri, gia bio, d6c6, dO thd cting, ban v€ hay tdi liQu thii5t ki5, md hinh, khu6n

Xrmau, nrmll cnuong, tranh anh, t5c phdm nghQ thuQt, chSt n6,v{t s6ng, vflt nudi, tty khi nhfing tuj rurl ndy duo. c Biohi6m Hing Vuong chdp thufn b6o hi6m bdng vdn b6n;

o Cfuctdi san da dd b6, c6t gifi trong kho, hi5t giltri sri dung;

^).o QuAn 6o vi crlc d6 vQt cd nhdn dugc thi6t k0 dO m{.c, sridqng ho{c mang theo nguoi (bao gdm trhmg kh6ng gioihan 6 diQn tho4i di tlQng vd m6y tinh x6ch tay);

o Xe 6 t6, xe tAi,xe rd mo6c, mhybay, tdu thriy ho{c c6c phgtirng thay th6 vd linh ki6n kdm theo;

o Phim 6nh, bdng dia, bdng catset, dAu m6y quay dia, dia vddia m6m m6y vi tinh;

o Tdi s6n dugc str dpng vdo mpc dich kinh doanh (tru khi ghirO ld dugc b6o hi6m trong Gi6y chimg nhin b6o hi€m).

Le thenh vi6n c6 m6i quan hQ h6n nhan, huy6t th6ng hoflc quanhQ nqan nudi theo quy dinh ph6p lu$t. Bao. gdm cha/mg,

rrlvg/ch6ng, con c5i, 6ng/bd, anh/chi/em vd phii s6ng chung thuctO voiNguoi dugc b6o hi6m (c6 dAng ky t4m tnrlthuong tru) taidia tti6m dugc b6o hi6m li6n tUc tu 30 ngdy trd l6n k6 tt ngdyHgp d6ng b6o hi6m c6 hiQu lyc.

ld gioi hqn tnigh nhjQm bOi tnuong tOi da cria Bio hi6m HirngVuomg tr6nl6ng s6 cfing nhu tr6n turrg hqlg mgc cira tdi sandu-o. c b6o hi6m, tri cho mQt sU cd vd cho t6ng cdc sp c6 trongsuiit thoi h4n b6o hitim, du-o. c ghi cu th6 tr€n Gi6y chrmg nhfnb6o hi6m.

ld s6 ti6n tluqc 6n dinh tr6n Gi6y chtmg nhan b6o hi6m mdNgucri dugc.b6o hi6m phni t1r g6nh chiu t16i voi m6i tdn th6tho{c chu6i t6n th6t ph6t sinh ctng mQt ngudn g6c ho4c nguy6nnhen.

ld Nguoi ducr. c hucmgtat ca c6c quydn lgi cira Ngucri dugc biohi6m trong trucrng hgp xiy ra t6n th6t hoAc thiQt hai COi voi taisin dugc b6o hi6m.

ld t6n th6t troac thi-Ot hai ctia tdi s6n dugc b6o hiOm tai dia <1i6m

ghi trong Gi6y chrmg nh6n b6o hi6m.

ld hiQn tuqng muc nu6c s6ng ding cao trong mQt khoang thoigian nh6t dinh, sau d6 giam aan. ft ld mr?c nudc vd t6c dQ

ddng ch6y tr6n s6ng vuqt qud mfc binh thudrng. Lt tlugc phdnthanh ndm lo4i theo quy tlinh ph6p luft: lfl nh6, lfi vira, lfl l6n,

>v-k-Trang2/9 '

errY TAc nAo nrtnn rurl rUrurAn

LBt

Ng$p r[ng, r'ing

lfi ctac biet lcrn vd lfi llch sri.

ld hiQn tu.gng ng4p nu6c ctia mQt vung Hnh th6 do lfi g6y ra.Lqt c6 th6 do lfi lcrn, nu6c lfi trdn qua bd s6ng, dO ho4c ldm vOc6c c6ng trinh ngdn lt vdo cdc virng tdng; c6 th6 do nu6c bii5nddng khi gi6 bdo ldm tran ngQp nu6c ving ven bi6n. Loai trungQp lgt, ngdp ring, ring do mua, nu6c mua, tridu cudrng.

ld hiQn tuqng ngQp do nu6c mua gdy ra. Ngflp ring thudrng xu6thiQn do mua lon 6 cdc virng tl6ng bdng tr0ng , thdp, ho{c o cricdO thi do mua l6n he thdng thoSt nu6c k6m.

Didu 2. Thdri h3n, hiQu lqc bio hi6m vdr quy dinh thanh to6n phi bio hi6m2.1 Thcri han b6o hitim bat dAu vd k6t thric duo. c ghi tr6n Gi6y chrmg nh4n b6o hi€m.

2"2 Trong thcri han b6o hi6m, ni5u c6 su chuy6n quyCn sd hiru hodc quydn tr6ng coi quan l.'ihq'p ph6p aOi voi tai san duo. c b6o hi6m thi quyd" lqi b6o fridm

"an c6 hiOi tuc AOi ''rOi

nguoi so hiru moi ho{c nguoi tto,rg coi quAn ly hqp ph6p mcri vcri <fiAuki6n Nguoi duo. cb6o hi6m th6lg b6o cho bao ni6m ffy"g Vuhtg vA viic chuy6n quyCn d6 va duqc such6p tfufln bing vdn ban cria.Bio n6m fftog it*g. Trong truong hgp Nguoi duo. cb6o hi0m kh6ng chuyiSn quy6n lqi b6o hicm cho trgooi sd lifru, q"t fy rnoi tni riohi6m Hing vuorrg sc troaniai phi b6o hii-Am theo q"! ainn tar quy ta"

"ay.2.3 Ni5u tai thoi ilitim xity nt6n th6t, Nguoi dugc b6o hi€m <H thgc hiQn viQc kf hqp d6ng

PT nhT quy6n lqi cta minh trong U-6t t' tdisan dusc b6o hi6m ndo ttreo frgp Abitg UiEhi6m ndy nhtmg thri tuc mua brin chua hodn t6t ttri b6n mua sau khi hoan t6t tht tuc muabrln sd {uo. c hucmg quydn lqi theg hqp ddng b6o hi€m ndy voi <li€u kiQn dd c6 sg ch6pthuqn

fang.van ban cria 86o hi6m fiUg iy*t n6u di'6u 116 kh6ng pfru*g ftat AAt

quydn lqr v4 nghia vg cria Ngucri dugc b6o hi6m hay cira Bio hiem Hnng Vutrng tru6cngdy hoan t6t thri tuc.

2.4 Hqrp d6ng b6o hi€m s€ v6 hi6u trong tru<mg hQp Ngucri dugc b6o hi€m khai b6o sail6ch, cung c6p nhfrng thdng tin kh6ng <lung ho?c khO"g khui tao onmg th6ng tin quantrgng.

2.5 rye;r $Op-t9 tu th6ng b6o bing vdn ban grii d6n Bio hi6m Fnog Vuong vd ducr. c sr,rchdp thufn bdng vdn ban cria Bio hi6m Hing Vuotg, Hgp tl6ng b6o hiiSm se ch6m dnthiQu luc ngay tqithoi di6m xhy ram6t trong nhfi'ng trucrngiqp aucri eay:

a. Nguoi du-o. c b6o hi6m chuy6n quyen sd hfru ho{c-quyAn tr6ng coi quan ly hqp ph6p d6ivoi ng6i nhd ducr. c b6o hi6m trong thcri han b6o hi6m;

b. Ngucri dugc b6o hir5m.thay eOi tinfr ch6t sri dpng hogc thay rt6i U6t ty tinh tr4ng ndokh6c ldm anh huong di5n ng6i nhd hiQn tpi $ang tlu-oc b6o hGm vd do 116 ldm tang-nguyco gdy thiQt hai cho c6c tdi san dugc bAo hi6m;

c. Ng6i nhd dugc b6o hiCm bi b6 trdng (khdng c6 ngucri cu tru) trong vdng hcm 30 ngdy;

d. Tdi san ttuqc b69 hi6m bi di chuy6n torbetk) ng6i nhd ho4c ncri ndo kh6c ngodi ng6inhi ducy. c b6o hi6m;

e. Quy0n lqi cua Ngucri dugc b6o hi6m O6i vor citctai san du<y. c b6o hi€m ch6m dr?t tru khiph6p lu{t hiQn hanh c6 quy dinh kh6c;

Phf b6o hi6m kh6ng dugc thanh tortu dAy dri vd tlung thoi han quy rlinh trong GiSychimg nhan b6o hi6m.

2"6 Ngucri dugc b6o hi6m phai thanh to6n dAy ttri phi b6o hi€m mQt l6n tru6c ho{c ngay khiBio hi6m Hing Vuomg cap Ci6y chirng nhfln b6o hi6m, tttr nri c6 th6a thufln khdc

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errY rAc nAo nrfnn mr.q. rumrAx

bdng vdn ban.

Didu 3. Chdm dftt hqp ddng bio hi6m trufc thoi h4n

3.1 Nguoi dugc b6o hitim c6 quye.n y6u cAu ch6m drrt hop ddng b6o hi6m tru6c thoi hanvoi di6u kiQn phni th6ng b6o bdng vin ban cho t6o hi6m Hing Vuong tru6c ba muoi(30) ngdy k€ tu ngdy dinlr ch6m dnt. Ni5u hqrp dOng du-o. c hai b6n th6a thufln ch6m dutbdng vin ban thi Bio hi6m Hirng Vuong sE hodn l4i cho Ngucri dugc bio hi6m 70%phi b6o hi6m cho thoi h4n b6o hiOm cdn lAi, trir trudrng hgp dA xhy rcsU kign b6o hitimtrong thcri gian hgp d6ng c6 hiQu lpc.

3.2 Bio hi6m Hirng Vuong cfing c6 quyCn y€u cAu ch6m dut hqrp tl6ng b6o hitim tru6cthoi han vcri di6u kiQn phAi gui th6ng b5o bing vdn ban cho Ngucri dugc b6o hiiSm tru6cba muoi (30) ngay te tt ngdy dinh ch6m dnt vi hoan l4i cho Nguoi.dugc b6o hi6mrc}%phi bAo hi6m tucmg img cho th<ri h4n b6o hi6m cdn l4i cta Hgp d6ng.

CHTIOI.{G II.PHAM VI BAO HINM

Didu 4. C6c rrii ro rlugc bio hi6m

RUI RO CO BAN:

(A) CHAY (do nO hay bdt k| nguy6n nhAn nio khrlc) nhtmg lo4i tru:

(a) DQng d6t, nfi ltia phun hay bitin dQng khSc cira thiOn nhi0n;

(b) TON H{.I gdy ra do:

(i) tdi san tU l6n men, t6a nhiQt hoic tg ch6y, ho{c

(ii) tai san chiu t5c tlQng cria b6t kj, qu6 trinh s6y khd ho{c xir l;i c6 sri dqng nhiQt;

(iii) tei sin bi ttOt cnay theo lQnh cria co quan c6ng q.ryOn;

(iv) ch6y do h?a ngam ducri d6t.

(c) BAt kj, fON HAt ndo g6y n6n bcri ho{c do hflu qu6 cira ch6y nmg, bpi cdy, dding

c6, hoang m4c, rimg nhiQt dcri ho{c d6t dqn d6t du ngSu nhi6n hay khdng.

SETChi b6i thucmg cho TON HAI cho tdi san dugc b6o hi6m do s6t ddnh tr.uc tii5p Qdm thay i16i

hinh dang hoflc b6c ch6y).

(B) NO Cac trang thitit bi ttuo. c sir dpng cho mpc dich duy nfr6t n phuc vu sinh ho4t tpir.i r r ' to t r v t r.l 4^ rr .^

dia t1i6m nhrmg lo4i tru TON HAI gdy ra do tlQng d6t, nui lira phun ho{c c6c bi6n tlQng thi6nnhi6n kh6c.

(C) nnAy BAY vd c6c phucmg tiQn hang khdng kh6c ho{c c6c thii5t bi tr6n c6c phucmg

tiQn d6 rcri vdo, ntlmg lopi trir tii san bi ph6 hriy hay hu hai bcri 6p su6t s6ng do m6y bay hay

phucnrg tiQn hang kh6ng kh6c bay voi t6c tlQ ngang ho{c vugt ti6ng dQng gdy ru.

(D) DQNG DAT, NUI LIIA PHUN bao g6m lgt vd nu6c biiSn tran do h4u qui ctra <lQng

d6t, nrii lira phun.

(E) GIONG, BAO, LU, LUT bao gdm nudc biiSn trdn, nhrmg lo4i tru:

i. TON HAI gdy raboi sucrng mu6i, hin vd sqt lo <I6t;

ii. fON HAI do nu6c trdn vdo nhd qua khe hd sfn c6 cria ngdi nhd khdng phii dobdo gdy ra;

iii. fON f$I do ngfp nu6c, ngQp lr,rt, ngAp ung do mua ho4c hiQn tuqng tri6u cudrng . ..gdy ra; .-rtU-- W7

J;r'' t

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rAc rAo nrnu mrr rururAN

iv. fON HAl cta ng6i nhd trong quf trinh xdy d1mg, xdy dpg lpi ho4c sta chta (trukhi c6c ctaravdo, cria s6 vd c6c ctra kh6c dA hoan ttiign edngdn ch{n dugc c6crui ro ndy);

v. TON HAI ci,r-cdctai san Tgodi troi, bao g6m nhmg kh6ng gicri han c6ng, hdngrdo, m6i hi6n, rdm che, bi6n hiQu, th6p ngodi troi ho{c cdc mly m6c trang thiist bingodi trcvi bao g6m c6 camera, nng ten ve cQt 6ng ten, cicthieibi hang kh6ng;

(F) VO HAY TRAN NttOC tir c6c bri chria, thi6t bi chria nu6c hay ducmg 6ng ddn, nh.mglo4i tru:

i. fON U4t do nu6c ch6y, rd ri ft he th6ng thiiSt bi phdng ch6y tg dQng;

ii. TON HAI cria chfnh c6c bO chria nu6c, thi6t bi chria nu6c ho{c ducrng dng d6nnu6c;

iii. TON HAI gdy rcbdi lfn vd spt ltt ddt;

(c) ?4M vA, D6 S,ip BAr NGO BOr xE cQ, DQNG VAr, cAy HoAc NHANHCAY, nhung lopi tru:

i. T6N HAI gdy rabcri xe cQ, dQng vQt thuQc quyen liftm hay quyAn kiiSm so6t criaNgucri rlugc b6o hiiSm hay ngucri ldm thu6 haycria U6t ty c6 nhdn ndo s6ng trongng6i nhd;

ii. fON U4t gdy raboi viQc ch{t, d6n, tiacdy trong pharn vi ng6i nhd;

(H) TRQM, C[I6P voi di6u kiQn:

i. DQt nhap vdo ho{c thodt ra kh6i dia di6m tlugc b6o hiOm bang vfl luc ho{c hanhtlQng b4o lgc;

ii. T6n c6ng, t* duttg v[ lpc ho{c de dga Ngucri du<r. c b6o hir5m, gia tlinh cria Ngucriducr. c b6o hi6m.

Chi phi thu0 nhir sau t6n thdt (Gi6i h4n: 30.000.000 ddng)

,HQp tl6ng b6o hi€m ndy dugc mo rQng <16 bio hi6m c6c chi phf hqp lf <tO Ngucri duqc

9?" -hi:. tl.ray tlpi ch6 o t4m thoi nhu thu6 nhd noi kh6c hoflc UOi ttruong lho Nguoi euo. cb6o hi6m t6n th6t ti6n thu6 nhd mdNgucri dugc b6o hi6m ph6i grffi chiu tiong tfr# gi* "ilthiet dc phuc h6i lai ng6i nhd. 56 tiAn Uoi thucmg sc kh6ng vuqtluh 5oirO tici Ua" ftia- rrr"phdn ng6i nhd vd khdng vuqt qu6 02 thing trong su6t thoi han b6o hir3m, d6ng thoi kh6ngvuqt qu6 gioi han n€u tr6n.

Chi phi thay th6 chia kh6a vA 6 kh6a (ci6i h4n: 3.000.000 ttdng)

Hqrp tl6ng bio hi6m 1dy.du-o. c md rQng eO Uao hi6m c6c chi phi hsp ly dd thay thti 6kh6a vd chia kh6a b! t6n th6t d6i vcri rui ro TrQm cu6p. 56 ti6n UOi ttrucrng kh6ng vugr qu63.000.000 tl6ng/vp vd trong su6t thcri h4n bio hi6m.

eUYDN Lgr BO sUNG (C6 tinh phi):

rnAcn NHrEM pnAp r,fYu"- llv chi 6p dpng khi SO tien 86o hi6m cho Muc ndy duo. c ttr6 trign tr6n Gi6y chtmg nh4nb6o hi6m.

Phgm vi bio hi6m

Ngucri duo. c bio hi6m s€ tluo. c bdi thudmg d6i voi:

1.1 til ca cdc khodn ti€n md Nguoi duo.c b6o hii5m c6 tr6ch nhiQm phap li phai b6i

ry,^v

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it ll

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euY TAc nAo nrfvr mr,q. TUNHAN

thudrng cho b6n thri ba ph6t sinh c6 li6n quan d6n sg cd cua ng6i nhd dugc b6o hi6md6i voi:

a) t{ru<ng tat than me U6t ngd cria U6t ty nguoi ndo; hoflc

. b) t6n thdt hodc thipt hai d6i voi tai s6n ngucri kh6c;1.2 tilt cit cdc chi phf ph6p lf:

a) Nguoi du-o. c b6o hi6m ph6i tr6 cho Nguoi khii5u npi,b) Ngucri dugc b6o hi6m d5 chi voi sg tt6ng y tru6c bdng vdn ban cria 86o hi6m

Hung Vuong,eOi voi U6t ty yOu cAu bOi ttruong ndo chting l4i Nguoi du-o. c bio hi6m ducv. c Quy ticb6o hitim ndy 6p dung;

MIEN LA tr6ch nhi.Qm cria B6o hiOm Hung Vucrng eOi voi c6c kho6n phei b6i thucmg chomQt ngudi ho4c nhi€u nguoi khi6u nai ph6t sinh tir mQt sg c6 ho4c nhi6u sp cd ph6t sinh tumQt nguy6n nhdn gtic sO kh6ng Juqt qu6 Mric tr6ch nhiQm UOi ttrucrng n€u trong Gi6y chimgnh6n[rqp d6ng b6o hi,5m cho m6i sg c5, vd t6ng tnich t]hiQrn cria 86o hi6m Hung Vucmg <16i

voi thu"ong tft, t6n thdt ho{c thiQt hai ld hflu.qui cria t6t ch cilc sg c6 xhy ra trong lhcri hanb6o hi6m s€ khdng vugt qu6 Mric nhiQm bdi thucmg dd dugc quy dlnh trong Gi6y chimgnhffigp tl6ng b6o hi6m cho Thoi han b6o hi6m t16.

Trong trucmg hgrp Nguoi duo. c b6o hi6m ch6t, 86o hi6m Hung Vu<mg sC b6i cho Ngucri i14i

diQn cria Ngurvi duo. c b6o hiOm theo c6c diAu khoan vd h4n mric tr6ch nhiQm ttuqc quy dlnhtrong Hgp tl6ng ldy mi6n ld Nguoi dai diQn d6 phii tudn thir, thyc hiQn vd phqr thuQc ydo quyitlnh cria c6c Ei6u kiQn, Lo4i tru, Hqn mtlc tr6ch nhiQm vd tli6u khoan cria Hqp tl6ng b6ohiOm ndy nhu th6 chinh h9 ld Nguoi duo. c bio hi€m.

Tr6ch nhiQm phip $ kh6ng ituqc bio hi6m

Cdng ty sO kh6ng UOi ttruong b6o hitlm cho Ngucri dugc b6o hi6m i16i vcri tr6ch nhiQm phdplf li6n quan dOn ho4c ph6t sinh tt:

,(. , . ,a) bat ky ho4t dQng kinh doanh ndo ctra Nguoi duo. c b6o hiOm ho{c c6c khi6u npiph6t sinh ttr viQc cung c6p ho{c khdng cung c6p U6t tcy dich vU chuy6n nghippndo;

c) trdch nhiQm quy cho Nguoi ducv. c b6o hi6m theo U6t ty hgp d6ng hay th6athufln ndo (tru khi hgp d6ng thu6 mucm dS.dugc giri d6n 86o hi6m H.rngVucmg vd dugc 86o hi6m Hung Vucrng chdp thu{n) tni trumg hgp tr6chnhiQm ndy v6n rang buQc Ngu<ri dugc b6o hi6m ngay c6 khi kh6ng t6n tpi hqprld6ng hay th6a thuan d6;r.is) nruem virus, si6u vi, vi khudn ho{c vi trirng, U6t ty bQnh tat, dich bQnh ndo;

e) tr6ch nhiQm ph6t sinh tu viQc tham gia c6c ho4t tlQng th6 thao;

0 U6t ty thucmg tich th6n th6 ndo xity racho Ngu<ri dugc b6o hi6m;t. , . .,g) bdt k] thucrrg tfch thdn th€ cho bat ky nguoi ndo md trong thoi gian xiy ra sg

cd dang dugc Nguoi du-o. c b6o hi6m thu6 lim viQc;

h) U6t tcy t6n th6t hoac thiQt \ai ndo aOi voi tdi san cira Nguoi duo. c b6o hi6m,ho{c do Nguoi duo. c b6o hi6m tr6ng coi hoflc quan ly;, ^.,

.D bet ky t6n th6t ho{c thiQt h4i ndo <16i voi tai san cta mQt nguoi md Nguoi tlugcb6o hi6m cam ki5t chi tr6 phf dich vB n4o, ho{c nguni d6 c6 trdch nhiQm tr6ngcoi hopc quan lf mdNguoi du-o. c b6o hi6m cam k6t chi trA phi dich v.u;

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errY TAc nAo nrfnn mrl rumrAx

Oidu S. Lo4i trt bio hi6m

Bio hi6m Htrng Vuong kh6ng chiu tr6ch nhiQm b6i thucrng cho:

5.1 TON HAI do hanh dQng gian lQn, thiiSu trung thuc, cO y tro4c d6ng loa, chri tdm criaNguoi dugc bAo hi6m gAy ra.

5.2 r6N H4l g6ty raboi gdy rdi, quan chring noi d4y, b6i c6ng, sa th6i nh6n c6ng.

5.3 fON H{I ph6t sinh do h4u qu6, tryc tiOp hay gi6n ti6p ciacipsg ci5:

a) Chitin tranh, xdm luo. c, hanh. dQng thir dich cria k€ tht nu6c ngodi (du tuy6nchuyiSn hay kh6ng tuy6n chitin), tr6i logtr, binh bi6n, d6y binh, Lao loan, khcringhia, cSch m4ng, b4o dQng, d6o chfnh, lgc lugng quAn sg titim quy6n- thitit qudnlu{t, phong to6, gicri nghiOm ho{c nhirng biisn c6 vd nguy6n nnan Adn e6n viectuydn b6 vd duy hi tinh tr4ng khen c6p ho4c gicri nghi6m.

b) Khung UO lvoi mpc dich chinh tri, bao g6m ci viQc str dgng b4o lpc nhim g6yhoang mang trong xd hQi hay mQt b0 ph4n cria xA hQi).

5.4 Nhimg.thiQt h4i ho4c rui ro bit ngu6n ttftro{c ph6t sinh tir/}ropc ld hfu qu6 tr.uc tit5p haygian tiiSp cria nguy€n liQu vfi khf hat nhan.

5.5 Nhirng thiQt hpi ho{c rui ro bit ngu6n tr}/ ho4c ld hfu qu6 tryc ti6p hay gi6n ti6p ilph6ng x4 ion hod hay nhiSm ph6ng x4 tir nhi6n liQu hat nh6n ho{c ttr ch6t th6i h4t nhdndo ddt ch6y nguy€n lipu h4t nhdn. Trotrg di6m loai trirndy, thu{tngfi "d6t chily" sE baog6m ci qu6 trinh phan rmg ph6n hriy h4t nhdn tg ph6t.

5.6 n6t ty thiQt.hai ndo ph6t sinh d6i voi tdi sin dugc b6o hi6m ntiu Nguoi rlugc b6o hi6mbi tru6t quy6n sd hilu, sri dpng ho{c tr6ng coi vinh viSn hay t4m thoi do tai san bi tichbi6n, tich thu, tnmg dung, thu h6i, phd hriy theo quy6t dinh cta co quan c6 thAm quVA"<[a phucng ho{c quy dfnh cta luflt ph6p ViQt Nam.

5.7 Nhimg thiQt hai mang tinh ch6t hQu qu6 ducyi b6t k' hinh thric ndo.

5.8 Nhtng thiQt hai cta c6c miiy m6c tli6t Ui gdy ra do nhirng rui ro b6n trong cria chringnhu: qud tii, doan m4ch.

5.9 Ng6i nhd dugc b6o hi6m dugc srl dpng ldm nhd xu&ng, co sd sAn xu6t, co sd kinhdoanh (tru vin phdng hodc cria hang thoi trang)

5.10 Nhimg thiQt hai gdy ra do sg 6 nhi6m, nhi6m b6n, hao mdn, ngo4i tru (ni5u kh6ng bi loaitru bAng m6t cSch ndo khdc) fON UAI xiy ra do:

i. 6 nhi6m, nhi6m blnphdt sinh tu nhftng rui ro du-o. c b6o hi6m;

ii. U6t-t<y rui p duo.c b6o hi6m ndo md chfnh ntrirng rui ro eV W ph6t sinh tt 6nhi5m. nhiSm bdn.

cHrI('r{c rrr. Krrrfu NAr vA Bor THrtor{cDidu 6. Co sO Udi tnuanrg

Trong trucmg hqp ng6i nhd vA/ho{c tdi san b6n trongdugc bAo hi€m theo hgrp d6ng b6o hi6mniy b! thiQt hai ho{c m6t m6t thuQc phCIn vi b6o hiiStn, Bio hi6m Hing Vuong chiu tr6chnhiQm thanh to6n chi phi thgc tO d6 sria chta, thay thti ho{c xdy moi (ntiu khdng th6 sria chfraduo. c) b0 phag ho{c toan bQ ng6i-nhd vd/tro{c tdi san d6. ViQc xdy moi ho{c thay thi5 mcri dgatr€n nguy6n t6c xdy moi, thay ttr,5 tai ngdi nhd vd tdi sdn tu<rng t.u, cing kich cd, tinh ndng vdchring loai nhrmg.khdng vuqt qua gi6 tri tdi san duo. c bio hi6m khi cdn mcri vi khdng vuqtqu6 s6 ti€n b6o hiCm ghi trong Gi6y chimg nhQn ctra ng6i nhd vd/tro{c tdi san 116.

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euY TAc nAo nrfpr NrrA Tr/NrrrAN

Hgp tl6ng bAo hi6m ndy kh6ng 6p dung b6o hi6m duoi gi6 tri.

Gicri han UOi ttruong tOi tla cta Bio hi6m Hing Vuong cho t6n hpi cria pnan tai sin b6ntrong ld l0% s6 ti6n b6o hi6m cria phAn ng6i nhd vd gicri hAn UOi ttruong tOi da cho m6i dovflt ld 50.000.000 d6ng (ndm muoi triQu d6ng).

Didu 7. Trich nhiQm cria Ngudi dugc bio hi6m

Khi xiy rabdtk! t6n h4i ndo a6n ACn ho{c c6 the d6n di5n khi6u n4i theo hqp d6ng bio hi6mndy, Nguoi dugc b6o hi6m phai:

7.1 Ngay lflp tr?c thqc hiQn c6c biQn ph6p nhim han chiS tdn th6t 6 mric tOi thi6u;

7.2 Th6ng b6o ngay bdng phucrng tiel nhanh ntr6t lnfru di6n thoai, email, fax...) trong vdng24 giit vd bdng v6n ban (theo mAu cta Bio hi6m Hing Vuong) trong vdng 05 ngdycho Bio hi6m Hirng Vuong;

7.3 Thdng b6o ngay lfp tric cho cAnh s6t phdng ch6y chfia ch6y gAn nh6t truUng hgp x6y rachdy;

7.4 Thdng b6o cho co quan c6ng an trong trudrng hqp trQm, cu6p;

7.5 Bdng chi phi cta minh, ph6i thu thflp vd cung c6p cho Bio hi6m Htng Vuong cdchladon, chimg tu, bi6n lai, chc.tdi liQu kh6c, c6c bdng chimg, th6ng tin li6n quan d6n t6nthdt, cdc tdi liQu n6i 16 ngu6n g6c vd nguy6n nhdn t6n th6t, tinh hu6ng t6n th6t, nhfiTrg

tdi liQu li6n quan d6n tr6ch nhipm cria Bio hi6m Hing Vuong vd nhtng tdi liQu kh6cmd Bio hi6m Hing Vuong c6 thd y6u cAu mQt c6ch hqp ly.D6ng thoi, Nguoi dugc

, .ib6o hi6m phii gui cho Bio hi6m Hirng Vuong mQt vdn bAn cam k6t tfnh chdt x6c thuccira khiOu n4i vd oiuabdtcir v6n d0 ndo c6 li6n quan d6n khi6u n4i;

7.6 Trong vdng 30 ngdy ho{c ldu hcrn ntiu c6 sg tl6ng y ctn Bio hi6m Hing Vuong,Nguoi dugc b6o hi6m phAi grii cho Bio hi6m Hing Vumrg:

i. H6 so khi6u n4i ddi bOi ttrucrng tai san bi m6t m6t ho{c hu h4i, trong d6 fiet kC

cang chi ti6t cang t6t tat ch cdc it6 vQt bi m6t m6t ho{c hu h4i-vd so ticn t6n th6tcdn cri vdo gi6 tri thay th6 moi cira tdi san t4i thcri tli6m xhy rat6n th6U

ii. Th6ng tin chi ti6t v€ t6tcac6c hgp tl6ng b6o hi6m b6o hitim khtic, ntSu c6.

Nguoi dugc bAo hitim sE m6t mqt ph6n hay toan b0 tty theo mric ilQ quy6n tlu-oc b6i thudrngtheo hgp ddng b6ohi6m ndy ni5u kh6ng thpc hiQn trrich nhiQm cria minh nhu dd n6u d Di6u 7cua Quy tdc b6o hi6m niy.

Didu 8. Quydn vi trfch nhiQm cria Bio hi6m Hirng Vuomg

8.1 Khi xiy ra mQt t6n hai d6n ACn viQc khii5u n4i ddi bOi ttrucrng, Bio hi6m HirngVuong vd b6t kj.nguoi dai diQn cria minh c6 quy6n thgc hiQn nhfrng c6ng viQc sau

ddy md kh6ng bi quy tr6ch nhigm ho{c khdng phucng hai dtin cdc quydn ctra BiohiOm Hing Vutrng:

i. Dtin hiQn trulng kiiSm tra ho{c t4m thoi ni6m phong ng6i nhi ducy. c b6o hi6m noixity rat6n th6!

ii. Ni6m phong ho{c y6u cAu Ngucri dugc bdo hiOm.giao cho Bio hi6m HingVuorng. t4m gifi bat ky tii san b6n trong duo. c b6o hi6m ndo vi c6c mpc dich hgplf vd bdng c6ch thr?c hSp ly.

Nguoi duo. c b6o hi6m khdng c6 quy6n tu b6 tdi san bi t6n thSt cho Bio hi6m HirngVuong cho dt Bio hi6m Hirng Vuolg dd t4m gifi tei san d6 hay chua.

fi,? Then 1'$11 ciu vi hing chi phi cr'ra Rio hiOm Hr)rng \/u'fing, nguiri trlriEu nfli theo hflidffng bin hif rrr niy phii thlrt:, hif,,n, r,irng thrr, hif,n hnir, r,hn phc,p tiF,n hirrh rrrni r,fing ,

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errY T^4c sAo nrfnn mra ru xnAn

lgc phdp luflt.

Di6u 10. B6o hi6m tuing

han ophdn t6n th6t phdn tO ctro trgp d6ng b6o hiiSm ndy theo tf lQ. - I

Di6u 11" Gini quy6t tranh chdp

N6u tai thcri tti6m xhy ratdn th6t, tdi san d6 da du-o. c b6o hi6m bdng mQt hgrp rl6ng b6o hiCni;

5h*; ,liJrois !61tci l*gs lrq neo.gaq +teT cria Bio hi6m Hnng vuong cfing chi sio/:,

viQc cdn thirir vd hqp ly nham.muc dfch thyc thi cdc quyAn vd c6c biQn ph6p tU bdochfia, ho{c nh6m chimg minh r6ng Bio hi6m Hing Vuonrg duo. c mi6n tr6ch hopc ddiUOi ttruong tu b€n thri ba. D6 ld cac quy6n md Bno hi6m Hnng Vumg dugc huongsau khi UOi thucrng cho Nguoi duqc b6o hi6m. Tuy nhi6n, c6c c6ng roig. triy c6 thEducv. c tii5n hanh hopc dugc y€u cAu tiOn hanh tru6c hodc sau khi

-Bno hi6m Hdrng

Vuong bOi thucrng;

8.3 Bio hi6m Hirng Vuong ph6i c6 tr6ch nhiQm tr6 ti6n UOi ttrucrng cho Nguoi dugc b6ohiiSm trong vdng 15 4gay noa" t6i da 30 ngdy trong trudrng hae

"a" ol" minh te ttr

ngdy qh6n <luqc bQ h6 so khi6u n4i ddi UOi ttrucrng dAy du-vd hqp lQ tu Nguoi tluqcb6o hiOm.

Eidu 9. M6t quy6n lgi yOu ciu Udi thudmg, y6u ciu tri tidn bio hi6m

Nguoi duo. c b6o hi6m s€ m6t quyAn lqi y6u cAu bOi thudmg, tri ti6n b6o hi6m trong c6ctruong hgn sau:

9.1 Qu6 thcri han 01 n6m kO tir ngdy xhy ra sg kiQn b6o hi6m md \gucri ducr. c bAo hir3mkhdng y6u cAu tri ti6n b6o hi6m hodc y6u cAu bOi thucmg b6o hi6m bdng vAn ban;

9.2 Qud thcri han 0l n6m kO tu ggdy bi tri ctrOi hopc <15 ttuqc bdi thucmg md Ngucri dugcbAo hi6m kh6ng khiiSu nai bdng vdn ban;

9"3 Tdn hai dd duo. c pdn thr? ba bOi thucmg ho{c quy6n lqi ctra Nguoi dugc b6o hi6m ddtlugc gi6i q"ytii bdng ban rin, phrin quyEt, qryei Airft cria Tda dn, Trgng tdi da c6 hiQu

C6c b6n th6a thu4n vd ddng y ra"g U6t ty tranh ch6p ndo phdt sinh tt hgp d6ng b6o hi6m ndys€ dugc;ru tiCl gi6i quy€t b.ang thuong luqmg."Trong trucmg hgrp thucrng luqmglh6rg thanh,tranh ch6p sE dugc giAi quytit boi Tda 6n c6 thAm quyOn. LuQt dieu chinh hqp ddng bao hi€mndy ld luft ViQtNam.

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