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Idoc - VN 30 Dang Bai Tap Mau Bao Hiem
Idoc - VN 30 Dang Bai Tap Mau Bao Hiem
Cu 1: Mt l hng tr gi 2.000.000 USD ( gi CFR ) c bo him cho ton b gi tr cng li c tnh 10%, t l ph
l 0,5%. Yu cu: xc nh ph bo him cho l hng? (Kt qu ly trn s).
Ph bo him = (C+F) x (a+1) x R/(1-R) = 2.000.000 x (1+0,1) x 0,05/(1-0,05)
Cu 2: Mt ti sn tr gi 10.000 USD c mua bo him ng gi tr, vi iu kin min thng c khu tr 1.500
USD. Trn ng vn chuyn, ti sn b thit hi tr gi 8.000 USD do ri ro c bo him gy ra. Yu cu: Tnh s tin
bi thng ca cng ty bo him theo nguyn tc bi thng c min thng?
S tin bo him = 8.000 1.500
Cu 3: Xe khch Y b tai nn thit hi vo ngy 01/06/2002 (li hon ton thuc xe khch Y) :
Chi ph sa cha xe: 60 tr
Hnh khch th nht b thng, chi ph iu tr : 18 tr
Hnh khch th hai b thng, chi ph iu tr : 15 tr
Li xe Y b thng, chi ph iu tr : 10 tr
Yu cu: Tnh s tin bi thng ca nh bo him theo hp ng bo him trch nhim dn s ca ch xe c gii i
vi hnh khch vn chuyn trn xe? Bit ch xe thc hin ngha v bo him bt buc mc trch nhim 30tr/ng/v
v ti sn/v.
S tin bi thng ca nh bo him = 18 + 15
Cu 4: Mt hp ng bo him c s liu sau:
Gi tr BH: 10.000 USD
S tin BH: 8.000 USD
Mc khu tr 5% gi tr tn tht khng thp hn 500 USD
Gi tr tn tht 3.500 USD
Yu cu: Tnh s tin bi thng ca nh bo him trong trng hp ny? Bit rng mc khu tr c p dng sau khi
p dng iu khon bi thng theo t l.
Mc khu tr = 0,05 x 3.500 = 175 <500 (v khng thp hn 500 USD nn ly l 500 USD)
S tin bo him = (3.500 x 8.000/10.000) 500
Cu 5: Khi k kt hp ng BH, ph bo him m ngi tham gia bo him np l 120.000 ng. Mt v tn tht xy ra,
thit hi l 2 triu ng. Do xc nh li mc ri ro, ngi bo him xc nh mc ph l ra ngi tham gia bo him
phi np l 150.000 ng. Mc min thng c khu tr 100.000 ng. S tin bi thng ca ngi bo him l bao
nhiu?
S tin bo him = Tr gi thit hai x (S ph np/S ph l ra phi np) . V y c mc min thng nn
tr i 100.000.
STBT = [ 2.000.000 x (120.000/150.000) ] 100.000 = 1.500.000 ng
Cu 6: Cng ty lng thc thc phm X nhp khu 400.000 bao bt m tr gi 3.200.000 USD. Ch hng mua bo him
theo iu kin bo him A (QTCB 1998) trn ton b tr gi l hng l 3.520.000 USD. Khi hng v n cng b h hng
nh sau:
7.000 bao b ngm nc, trong 5.000 bao b h hng hon ton, 2.000 bao b gim gi tr 30%.
3.000 bao b rch v gim gi tr 30% ( vn n ghi ch bao b mc, mt s b rch)
Ch hng yu cu cng ty bo him bi thng 88.000 USD tr gi hng h hng.
Yu cu: Tnh s tin bi thng v hng ha ca cng ty bo him cho ch hng? (khng k chi ph gim nh)
STBT = [(5.000 + 2.000 x 30%) x 3.520.000] / 400.000 = 49.280 USD
Cu 7: Mt ti sn tr gi 10.000 USD c mua bo him vi s tin 8.500 USD. Trn ng vn chuyn ti sn thit
hi tr gi 8.000 USD do ri ro c bo him gy ra. Yu cu: Tnh s tin bi thng ca cng ty bo him theo quy tc
bi thng theo t l ?
STBT = 8.000 x 8.500/10.000 = 6.800 USD
Cu 8: Mt ti sn tr gi 20.000 VTT, c bo him bng 2 hp ng bo him:
Xe B
-Thn v: 120 tr
-ng c: 30 tr
-Hnh khch th nht: 25 tr
-Hnh khch th hai: 8 tr
Li
30%
70%
Xe ti A tham gia bo him b phn thn v ng gi tr ti Bo Minh
Xe B tham gia bo him thn xe vi s tin bo him bng 80% gi tr xe ti Bo Vit
Yu cu: Tnh s tin bi thng ca Bo Minh cho xe A trong v tai nn trn
STBT = 60 tr x 70% = 42 tr
Cu 22: Xe ti X m va vo 1 em hc sinh gy hu qu nh sau:
Em hc sinh b gy xng hm
Chi ph iu tr ht 5.000.000 VN
Yu cu: Xc nh s tin em hc sinh nhn c t cc hp ng bo him? Bit rng:
Xe ti X tham gia bo him trch nhim dn s ca ch xe c gii i vi ngi th 3 mc bt buc ti
thiu (30 tr v ti sn/v v 30 tr/ng/v)
Em hc sinh tham gia bo him ton din hc sinh vi s tin bo him 10 tr
T l tr tin bo him tng ng vi gy xng hm l 10%
Li hon ton thuc v xe ti X
S tin em hc sinh nhn c = 5 tr + (10 tr x 10%) = 6 tr
Cu 23: L hng my mc, thit b nhp khu t Singapore v Vit Nam tr gi 6.000.000 USD (Tnh theo gi CIF). L
hng trn ang c bo him bi 2 hp ng bo him c ri ro ging nhau:
Hp ng 1 vi Bo Minh c s tin bo him: 4.000.000 USD
Hp ng 2 vi Bo Vit c s tin bo him: 4.000.000 USD
Trn hnh trnh l hng b tn tht ton b do 1 ri ro c bo him gy ra. Yu cu: xc nh s tin bo him ca cc
nh bo him cho l hng trn? Bit rng ch hng c bo him c phn li c tnh (li c tnh = 10%)
y l bo him trng do STBH 2 hp ng > TGTS
STBT ca hp ng 1: 6.600.000 x (4.000.000 / 8.000.000) = 3.300.000 VN
STBT ca hp ng 2: 6.600.000 x (4.000.000 / 8.000.000) = 3.300.000 VN
Cu 24: Ch Anh ngh sinh con ln th 2, sinh thai i. Lng lm cn c ng bo him x hi trc khi ngh sinh con
ca ch Anh l 660.000 VN/thng (Bao gm lng v ph cp). Theo quy nh chi Anh c ngh 4 thng v sinh i
tr ln theo quy nh ti iu 12 N 12/CP (26/01/1995) th thi gian ngh thm cho mi con tnh t a th 2 l 1
thng. Yu cu: xc nh mc tr cp m ch Anh c hng?
V ch Anh sinh i v ln ny l ln th 2 nn ch c ngh l 6 thng.
Mc tr cp: 660.000 x 6 = 3.960.000 VN
Cu 25: Mt cn b X thuc doanh nghip Nh nc b tai nn lao ng lm suy gim 30% kh nng lao ng. Mc
lng ti thiu m ngi cn b c hng l 250.000 VN/thng. Mc tr cp 1 ln i vi trng hp suy gim t
21% - 30% l 12 thng lng ti thiu. S tin tr cp tai nn lao ng v tr cp m au ca Bo him x hi cho cn b
X l bao nhiu?
S tin tr cp lao ng: 250.000 x 12 = 3.000.000 VN
Cu 26: Mt ti sn tr gi 600 tr c bo him vi s tin bo him l 450 tr. Ph np mt ln theo t l ph l
0,4%. Ti sn b tn tht trong thi hn hiu lc ca hp ng vi gi tr thit hi l 100 tr. Khi gim nh tn tht pht
hin sai st khng c ca ch ti sn khu khai bo ri ro. Nu khai bo chnh xc th t l ph bo him l 0,5%. Yu
cu; Tnh ton s tin bi thng ca nh bo him trong trng hp ny?
STBT = (450/600) x (0,4/0,5) x 100 = 60 tr
Cu 27: Mt ngi n ng 56 tui, Bo him x hi 26 nm. Mc bnh qun tin lng l 1.000.000 VN. Lng hu
hng thng l bao nhiu?
2 % vi n ng v 3% vi n b.
15 nm u th c 2 u c tnh 45%
V y l ngi n ng nn tnh 2%
T nm 16 n 26 l c 11 nm: 11 x 2%/nm = 22%
Tng s phn trm c hng: 45% + 22% = 67%
M theo quy nh ca Lut lao ng th tui ngh hu i vi n ng l 60 tui, n b l 55 tui. Ngi n
ng 56 tui ny ngh hu sm 4 nm nn mi nm phi tr i 1%
Vy s phn trm cn c hng 67% - 4% = 63%
Lng hu thng l 63% x 1.000.000 = 630.000 VN
Cu 28: Mt ngi n B v ngh hu lc 51 tui, c thi gian Bo him x hi l 22 nm. Tnh t l bi thng lng
hu ca b B?
n b t l 3%
15 nm u l 45%
7 nm cn li : 7 x 3%/nm = 21%
Tng s phn trm c hng: 45% + 21% = 66%
Cu 29: Mt ngi n ng v hu lc 60 tui, Bo him x hi 38 nm. Xc nh t l hng lng hu ca ngi ny?
n ng tnh 2%
15 nm u : 45%
T nm 16 n 38 l c 23 nm: 23 x 2%/nm = 46%
Tng s phn trm c hng: 45% + 46% = 91%
Nhng hn mc ti a l 75% nn t l hng lng hu ca ngi ny l 75%
Cu 30: Anh Bnh ngh m 5 ngy (khng c ngy l, ch nht). H s lng c bn theo quy nh 210.000 VN/thng.
Thi gian lm vic 26 ngy/thng. Hi khon tr cp Bo him x hi m anh Bnh nhn c?
Tr cp BHXH = [(210.000 x 0,2 + 210.000 x 2,64) x 0,75 x 5]/26 = 86.019 VN