PHY LUC 4- QUY BINH KHAI THAC BAO HIEM HANG HOA (Binh kém va la m6t b6 phén khdng thé tach roi ctia Quy dinh khai thac béo hiérn TSKT-HH) Phy Ic nay 4p dung cho cc loai hinh béo hiém hang héa sau day: = Bao hiém hang héa vin chuyén trong lénh thé Vigt Nam; Bio hiém hang héa xudt khéu; © BBo hiém hang héa nhap khéu; = Bao hiém hang héa van chuyén quédc té (hang hda van chuyén ngoai lanh thé Viét Nam, khéng di qua Viét Nam) 1. Céc truréng hop khéng nhén bao hiém a) Myc, phn Il—Quy dinh chung; b) Rai ro mat mat, thiéu hyt hang héa trong container khi container cdn nguyén dai kién, nguyén kep chi; ©) Ruiro tir bé hang (trir trudng hyp tén that toan bé wdc tinh), qué han, cham tré; d) _ Riiro chign tranh khéng di kem rii ro hang hai; e) Ri ro lién quan d&n hang khdng va chién tranh hang khong; f) Cac d6i tugng van hanh trong khong gian 2. Cac trurémg hop phai béo céo Téng Cong ty triréc khi nhan bao him a) Myc 2, phan I! - Quy dinh chung; b) _Ban/Hgp dBng bao hiém c&p cho céc loai hang héa sau: = Hang xd (hang rd) XNK khng dén va qua lanh thé Viét Nam = Hang héa duge van chuyén trén sa lan (ty hanh hodc khong ty hanh), ngoai trir durge van chuyén & cang hodc viing thay ngi dia; = Hang héa ty hanh trong qud trinh van chuyén (s8 lan, phyong tién, d3u may toa xe lira); = St thép phé ligu ché rd, trir khi bao hiém theo diéu kién BSH-ICCC va loai trir chuyén, anh trinh cudi cling ciia tau trvdc khi bi pha do; * GB trdn char rd! trén bong, tir g6 ép va gd thanh pham duge ding géi trong thing g6 va/hoac trong container; = Bao hiém tréch nhiém van chuyén téng hop. 3. Cie digu khodn loai trir bat bude @) Cac logi trir chung theo quy dinh cia Téi béo hiém (phai duoc thé hién trong Hop dong bao/ Hap dong nguyén tic): * BiGu khodn loai tri ri ro nang lurgng hat nhan - Nuclear Energy Risks Exclusion Clause; = bibu khodn loai trir rUi ro khiing bé - Joint Excess Loss Committee Terrorism Exclusion Clause (including Terrorism Write Backs); * piu khoan loai triy 6 nhiém, nhiém ban - Seepage and pollution exclusion clause; = bigu khodn thiét hai trong khdng gian mang - Cyber Losses Clause JX2020-007; = pidu khodn loai trir bénh truyén nhiém - Communicable Disease Exclusion (JX2020-009A); 7PHY LUC 4- QUY DINH KHAI THAC BAO HIEM HANG HOA (Binh kém va la m6t b6 phén khéng thé tach réi cla Quy dinh khai théc béo hiérm TSKT-HH) b) = Bidu khodn loai tri rii ro nhiém phéng xa, vii khi hda hoc, sinh hoc, héa sinh, dién tir - Institute radioactive contamination, chemical, biological, biochemical and electromagnetic weapons exclusion clause; = Bi8u khodn loi trix rbi ro amiing - Total asbestos exclusion clause; = piu khodn rii ro cOng nghé théng tin - Joint Excess Loss Committee Information Technology Hazards Clause; = Biu khodn loai trir rdi ro chinh tri, dam bao tai chinh, ri ro phi hang hai - Political Risk, Financial Guarantee, Credit Risk and non marine risks Exclusion. = iu khodn loai trir va gidi han theo sc lénh - Sanction Limitation and Exclusion Clause. Luu ¥ dac biét: 8d véi céc Hyp dng/Dan bio hiém da cap tix ndm 2020 trd v8 true nhung vn con higu lyc trong nam 2021 c6 56 tién bao hiém trén 200.000 USD ho’c trén 4.660.000.000 VND, d& nghi Bon vi lam vige véi khdch hang dé ky Phy luc bé sung Bigu khodn logi trir: Communicable Disease Exclusion - Biéu khodn logi trir Bénh Truyén nhiém (JX2020-009A) va Cyber Losses Clause X2020-007 - Biéu khoan thiét hai trong khéng gian mang. Céc logi trir bat budc hiém néu béo hiém theo BSH-ICCA hodic ICCA (phi dure'c ghi r6 trén Bon bao hiém/ Hop dong bao/ Hep déng nguyén tac): = Loai trircéc ri ro khéng phai 8 réi ro hang hai, bao gbm nhumng khong gidi han: ngudi ban giao hang khéng ding s6 lurong, chiing loai trong hgp dng mua ban hoc hang héng tir truéc khi dugc dura lén phuong tin van chuyén,... (Excluding risks not marine risks, including but not limit risk as follow: the seller delivers in the wrong quantity, commodity as the purchase contract signed or damaged cargo before loading to conveyance...) 461 vdi tat cd cac dan bio hiém. = Loai trir thigu hut khdng r& nguyén nhan hodc thigu hut khi seal container con nguyén (Excluding unexplained shoratage or shoratage if seal is intact) d6i voi hang déng container. + Loai trir t6n that théi, 4m, mBc do hdp hai, 46 md hoi, trir khi do sy €6, tai nan gay ra trong hanh trinh béo hiém (Excluding losses, damage caused by wetting and sweating, unless caused by perils in voyage of insurance) déi vei céc mat hang sau: © Phan bén, nguyén ligu thir an gia sc, Ida my, ga0, ché déng container; © Tom cé, myc khé, vay cé, bong cd, tic ke kh, da trau bd musi, tritng mudi; © Rau, ci, qua, r8 an dugc, than cl tuoi dé duge bao quan tam thai khong dé trong, container lanh; © Chanh mudi khé, vi khac; khd, nho khd, long nhain va cac loai rau, ci, qua hat sdy kho © Café da rang, hat tiéu khd, hoa hi, hoa qué, thud nam, canh kién; © Ot bot, bot 6 khd, méc nh, nm huang khd; © Bubng; © Cac loai hat ¢6 dau (lac, café, ca cao, hat béng, hat rau, virng, thu dau, diéu, bi, neo, hat tiéu) va céc loai hat du khd; © Gime, nghé, téi, hanb; © BO ding va céc san phdm bing may tre dan; wwePHY LUC 4- QUY BINH KHAI THAC BAO HIEM HANG HOA (Binh kém va la mét b6 phan khéng thé tach r6i ciia Quy dinh khai thac bdo higrn TSKT-HH) © Bila An com, tém xia rang; © Gidy cac loa, + Loai triv oxy héa, ri sét, mat mau ty nhién (Excluding oxidize, rust and naturally fade) 461 Vit hang la st thép cudn cdn ngudi. = Loai trir oxy héa, ri sét, mat mau tyr nhién, quan mép, xep I6i (Excluding oxidize, rust and naturally fade, crisp and deflade) 461 véi mat hang la sat thép cugn cén néng. = Loai trir chy né ty nhién (Excluding natural fire) 46i véi cdc mat hang sau: © Chat ling, xing, dau nhémn déng thing; © Gaz (héa long); © Tinh du, hurong liu, keo dén, mirc in va céc loai ha chat déng thine: © Sam, veeni; © Sat thép phé ligu + Loai trir xuée son va mat phy ting/thiét bi theo xe trir khi durgc Khai bdo trong B/L (Excluding paint chipping, devices/equipment losing, unless declaration in B/t).. 461 véi mat hang la xe dap, xe co’ gidi nguyén chiéc céc loai = Loai trir gy, nttt, cong, vénh trir khi do si’ 6, tai nan gay ra trong hanh trinh bao hiém (Excluding break off, crack, curve unless caused by perils in voyage of insurance) d6i véi mt hang la g6 thanh phim va d6 g6 ndi that. = Loai trir cong gay do néng ty nhién (Excluding break off/ crack cause of natural heat) 36i di mat hang la nén. + Logi trirva'tyrnhién, mée do hap hati (Excluding natural break-off, musty) di vei mat hang 1a huong nhang, 4. Mét sé quy dinh khac: a) Bénh gid ri ro: = Banh gid rdi ro 1a mot trong nhiing yéu t6 quan trong anh huge dén vige xem xét nhin, bao hiém ciing nhur dua ra cdc diéu kién, diéu khoan, miéc khdu trir va ty Ié phi bdo hiém 4p dung cho timng dich vy bao hiém. = Banh gia ri ro trong bao hiém Hang héa la viéc danh gid v8 d6i tugng bao hiém, phurong thifc déng g6i, phuong tién van chuyén, hanh trinh van chuyén, gid tri hang héa, diéu kién thuong mai... Céc ndi dung danh gid nay duge thé hign trong Bién ban danh gid ri ro Hang hai (mau phu bi8u dinh Kem), b) _Théng tin/ Tai ligu clin cung cép dé thu xép bdo hiém: = Giiy yéu chu bio him kém theo Hgp dng mua ban (sale contract), L/C, héa don throng mai... (nu C6); Ban chao phi trong dé thé hién céc théng tin ciia di tung bao hiém bao gdm: logi hang, 6 tin bao hiém, quang dudng van chuyén, xuat xcr hang héa, diu kién dieu khodn, ty Ie phi, mie khdutrit..j + Bon bao hiém, Hyp dong bao hiém (dy thao); = Lich sir tham gia bao hiém va lich sir tn that (néu c6), 37 fePHU LUC 4- QUY BINH KHAI THAC BAO HIEM HANG HOA (Binh kem va Ia m6t b6 phan khéng thé tach roi ctia Quy dinh khai thdc bdo hiém TSKT-HH) a d) = Théng tin v8 doanh nghiép BH dang canh tranh dich vy (néu cé). TY Ié phi va mac khéu trir © TVIe phi bdo hiém va mic khdu tris theo biéu phi va mite khdu tris hién hanh ca Tong Cong ty C6 phn Bdo hiém Sai Gdn ~ Ha NOi = Ce Bon vj durge chi dng diéu chinh giém t6i da 30% ty Ié phi theo quy dinh trong Biéu phi nay. Truong hgp gidm qué 30% phai hoi ¥ kién va dugc su chap thudn bang email/van ban clia Téng Cong ty. Mit s6 lu ¥ dic biét: = B6i véi hang da qua sir dung, hang sit thép phé ligu, hang dB ding c4 nhan, hang tam nhgp tai xuat, tam xudt tai nhdp, hang clinker ché rai chi nhn bao hiém BSH-ICCC; = Bdi véi hang khdng nguyén container hogc khéng déng container bao hiém theo BSH- ICCA, chi nhan bao hiém theo gid han tréch nhiém rong nhat “tir cang dén cing”; = BOivdi hang sat thép, chi bao hiém Ui ro thiéu hut trong trung hgp thiéu nguyén don vi déng goi (bd, kién, cudn, = Bdivdi mat hang g6 tron van chuyén duéng bién, chi chao bao hiém theo BSH-ICCC, khong mé rng hodc ban thém bat ky digu khoan nao khéc nhu'thiéu hyt, nuit vo. + B6i véi mat hang may méc thiét bi ghi r5 trén don bao hiém: Loai tri cdc tn that gay ra bai x6 lech v8 co hodc din, vB, cong vénh, mop bep tri khi tén that do réi ro duge bio hiém gay ra = Bao hiém hang héa van chuyén da phitong thifc tir kho dén kho chi dugc bao hiém theo BSH-ICCA v6i diéu kién hang phai durgc déng nguyén container. Phy phi tinh thém: 0,02% $6 tién bio hiém = Béi véi hang déng bao bio hiém theo BSH-ICCA, ghi rd trén dan bdo hiém: Rui ro thiéu hut duge xéc dinh qua dém dau bao (chi bo hiém rii ro thiéu hut trong trutng hop thiéu nguyén bao). = Truéng hgp ngay khdi hanh durgc ghi la bao sau hod ngay khdi hanh trude ngay cap don bao hiém, trén don bao hiém can ghi r3: “BSH chi chiu tréich nhiém dai véi nhung téin that ké tir thoi diém cép don bdo hiém”. Néu theo yéu cau cla Ngan hang, yéu cau cép don ‘bdo hiém lui ngay thi cin yéu cau ngudi thy hudng bao hiém ky cam két khong khiéu nai nihimmg t6n that xay ra trude thoi diém yeu cau cp don bBo hiém lui ngay. 5. Quy dinh dic bigt d6i v6i Hang x4/ rai: Hang rdi/xd durgc xép vao nhém hang thudc mirc 46 rii ro cao. Cac mat hang quy dinh trong phan nay bao ebm: a) Cac mat hang dang hat/bét (phan bén, lua my, ba du nanh, bap hat/ng6, cém co, cém dita, cam my vién, khé dau tung, thifc an gia stic/nguyén ligu thitc an gia sic; than, xi mang, clinker, a v6i,..) déng bao va/noac cho xa/rot; Cac mat hang léng (xang, dau, gas, khi hda ldng,...) che bang tau/xe bon chuyén dung; Cac mat hang sit, thép, quing, kim loai mau, riiro thiéu hut, jong bé, kién, cudn hodc dé ri ma cé bao hiém Quy dinh vé giém sat hang ve dén céng va gidm dinh ton that: al