BO GIAO THONG VAN TAI CONG HOA XA HOI CHU NGHIA VIET NAM. TONG CONG TY QUAN LY BAY VIET NAM Déc lip - Tw do - Hanh phac S6:2256/QLB-TTH Ha N6i, ngay 29 thang 5 nam 2023 ‘Viv: Théng béo chuong trinh va thi tue ding ky mua BHSK cho ngudi than cia CBCNV Téng cong ty Quan ly bay Viét Nam Kinh giti: Cac co quan, don vj thuge Téng céng ty Quan ly bay Vit Nam C&n ctr Quyét dinh sé 1977/QD-QLB ngay 17/5/2021 cia Téng Gidm déc vé vig Thanh lap T6 thyc hién céng tac Bao hiém cia Téng céng ty Quan ly bay Viét Nam; Can ctt Bao cdo sé 41/BC-TTH ngay 26/5/2023 cita TS thyc hign céng tac Bao hiém vé viéc Bao hiém site khde cho ngudi than cia CBCNV Téng céng ty; Can cit Céng van s6 089/2023/BVLT ngay 29/5/2023 cia Céng ty Bao Viét Thang Long vé vigc Théng bao chuong trinh va thi tue ding ly mua Bao hiém strc khée cho ngudi than cia CBCNV Téng céng ty Quin ly bay Vigt Nam; Té thye hign céng téc bao hiém xin théng bao téi cdc eo quan, don vi thuge Téng céng ty Quan ly bay Viét Nam vé chuong trinh bao hiém cia Lién danh Bao Viét - BMI - VNI— PJICO va thi tue dang ky mua BHSK cho nguéi than cia CBCNV Téng céng ty, ndi dung cy thé nhu sau: 1. CHUONG TRINH BAO HIEM: 1.1. Dieu kign tham gia bio - Tir 12 thing tudi dén 65 tudi. - Khéng bi cdc bénh tam than, phong. - Khéng bj cdc bénh ung thu (chi 4p dung cho Ngudi duge bao hiém (NDBH) tham gia nam dau tién). (Rigng nhimg NDBH da tham gia tai Hop déng nim trudc va da bj ung thr trude ngay higu luc bao hiém sé van duge nhan bao hiém nhung logi trir bénh ung thu va cdc bién chimg hu qua lién quan bao gém cé tir vong do bénh ung thu). - Khéng bj thuong tt vinh vign tir 50% tré lén (chi ap dung cho NDBH tham gia nim dau tién). - Khéng dang trong thai gian diéu tr) bénh/thuong tat (chi 4p dung cho NDBH tham gia nam dau tién). Trudng hgp tham gia bdo hiém khéng ding déi tugng va diéu kign quy dinh trén, Céng ty bao hiém (CTBH) cé quyén chém ditt bao hiém va khéng chiu trach nhiém véi quyén Igi bao hiém 4a dang ky. 1.2. Déi twgng tham gia bao hiém:Nguédi than bao gdm bé/me (tir thin phy mu), vo/chdng, con rut, con riéng ciia vo/chéng (néu ciing dia chi véi nbn vién), con nu6i hop php. Con theo quy dinh tir 12 thang tudi dén 18 tudi hode dén 24 tudi néu con dang di hoc, séng phy thuge va chura két hén, Quyén Igi thai san khéng 4p dung cho con céi cla nhan vién (Chi tiét theo chong trinh bao hiém dinh kém). 1.3. Thdi han bao hiém: 12 thang, tir ngay 06/6/2023 dén 05/6/2024. 1.4. Quyén Igi bao hiém: Theo chuong trinh bao hiém dinh kém. 1.5. Thdi gian chd: Khéng Ap dung thdi gian chi (loai tri dang ky bio hiém d6i v6i céc ddi tuong khéng dit diéu kign va khong ding déi tong tham gia bao hiém) 1.6. Phi bio hiém/ngwii/nim: 4.949.469 dng. 1.7. Thé bao hiém: Thé Vang (cp cho timg ngudi tham gia bao hiém): Bao lanh n6i tri/ngoai tri tai bénh vién/phong khdm trong hé théng hop tac véi CTBH. 1.8. Cac diéu kign, digu khoan khéc: Theo chuong trinh bao hiém dinh kém. 2. THU TUC BANG KY MUA BAO HIEM: 2.1. HO so” ching minh quan hé than nhan: Khéng yéu cau. CBCNV dang ky mua bio hiém cho ngudi than chiu trach nhigm ké khai trung thyc, ding véi déi tung va diéu kién tham gia bio hiém duge néu tai ban chao phi. Trudng hop tham gia bao hiém khéng ding déi tuong va digu kién quy dinh trén, Céng ty bao hiém (CTBH) cé quyén chdm dift bio hiém va khéng chju tréch nhiém véi quyén Igi bao hiém da dang iy. 2.2. Mau ding kj mua bio hiém: Theo mu dinh kém (CBCNV nh§p tryc tigp vao file mém dinh kém). 2.3. Thoi han ngp danh sich va phi bao hiém: Trong vong 30 nei, ti ngay 06/6/2023 dén 05/7/2023. Sau ngay nay CTBH sé khéng tiép nhan danh sich va phi bao hiém. 2.4. Phuong thife thanh toan phi bio him: Chuyén khoan 100% phi bao hiém trong théi gian tir ngay 06/6/2023 dén 05/7/2023. 2.5. Hw6ng dan np danh sach va phi bio hiém: - Théng tin chuyén khodn: + Tén thy huéng: Céng ty Bao Viét Thing Long + S6 tai khoan: 0071085075009 + Tai Ngan hang TMCP Bao Viét - Sé giao dich (BAOVIET BANK). - Noi dung chuyén khoan: HO VA TEN CBCNV + SO DIEN THOAI LIEN HE + NOP “SOLUQNG” NGUGI THAN Vi du: Nguyén Thi Sinh 0343558999 nop 5 ngudi than - Théng béo cho dau méi phy trich thu phi CBCNV giti anh_chuyén khoan thanh céng va danh séch ding ky theo miu (file mm) qua ZALO cho: Ms. Kiéu Thj Hoai Phuong ~ Zalo: 034 348 4317 (Can bé phy tréch sé phan héi théng tin trong vong 24h lim vigc). 3. NOI DUNG LUU Y: HO so, théng tin vé ngudi thén phai tuyét déi trung thye, CBCNV chju hoan toan trach nhiém khi xay ra van dé lién quan dén hé so, thong tin ké khai trong qué trinh bao hiém. Trdn trong théng bao! Noi nhgn: = Nhurtrén; - Téng Gidm déc (48 b/c); ~ Lamu: VT, TTH (The 20b).CHUONG TRINH BAO HIEM Bao hiém sire khée ngwoi thin cia CBCNV Ting cong ty Quin ly bay Vigt Nam ‘Loai hinh bio hiém Stic khée Bao Vigt (BVC) Cong ty bio hiém (CTBH) | Bao Vigt Thing Long ‘Tang 6, Toa nha ICON4, 234A Dé La ‘Thanh, Déng Da, Ha Noi Dja chi Dign thoai (04.38228070 Dign thogi tvin (034 348 4317 (Ms. Phuong) Bén mua bio hiém ‘La CBCNV thuge Téng céng ty Quan ly bay Vigt Nam c6 tén trong danh séch bao hiém | pid iém ‘Toi han bao hiém kign tham gia bio i twyng tham gia bdo | NewOi than cita nhan vién 12 thang, ké tir ngay 06/06/2023 dén ngay 05/06/2024 bao gdm hi ngiy niy go | ~ Tir 12 thing tudi dén 65 tuoi ~ Khéng bj cdc bénh tam than, phong | - Khéng bj cde bénh ung thu (chi ép dung cho Ngui | QNDBID tham gia nam du tén) (Rigng nhing NDBII di tham gia tai Hop dng nim trude va da bi ung thir trade ngay higu lye bio i nhung loai trir bénh ung thu va cdc bién chimg hau qua lién quan bao sm ci tir yong do ben ung thu) ~ Khdng bj thyong tt vinh vign tir 50% tré Ién (chi ap dung cho NDBII tham gia nim dau tién) = Khéng dang trong thoi gian digu tr] bénhy/thuong tat (chi dp dung cho NDBI tham gia nim dau tién) ‘Trudng hgp tham gia bio hiém khéng ding déi twong va digu kign quy dinh trén, Cong ty bio hiém (CTBIN) cé quyén cham dit bao va khong chiu tréch nhiém véi quyén Igi bao hiém da ding ky duge bio hiém 1. Digu kign tham gia: Phi khai bao tragic va chi o6 higu lye khi duge CTBH xie nhin ding ¥ bing van ban. Nhan vién chi duge dang ky bao hiém cho ngudi thn cia minh 01 lan vao dau higu lye hgp ding. 2. Ding ky sau ngiy bit diu higu Iye eda hgp ding bao hiém chi ap dung d6i v6i cae truong hgp sau: ~ Neudi than cla nhin vién méi vao lim vige ~ Vg hoc chéng cia nhan vin méi két hon ~ Con mdi sinh di wéi va da diéu kign tham gia than eta nhdn vién qua thoi gian thit vige/tang cf io hiém duge phép mu gitta thoiPhi bio hiém/ngudi/nim cong ty 3. Khi nhén vién nghi KhOng hoan Iai trong mgi truémg hop. 4, Tat cd ngudi than chi duge tham gia bio hiém khi nan vién cing 6 tén trong danh sich tham gia bio hiém, va chi duge tham gia chyrong trinh bao hiém nay. ing, con rut, con tiéng eda vo/ehéng (néu cing dia chi véi nhan vién), con nui hop phap. Con theo quy dinh tir 12 thang tudi dén 18 tudi hose 24 tdi néu cn dang di hoe, sng phu thude va chu két hon. Quyén Ii thai sn khong ap dung cho con cdi ciia nhdn vien. 6. CBCNV 6 trich nhigm khai bao danh sich ngudi than phi) hop voi cae quy dinh néu trén. Bat eit sy vi pham nao c6 thé din téi viée CTBH tir chéi bdi thudng, hiiy bao hicm déi véi cde trudng hop cu the. VND 4.949.469 (Logi thé bio hiém: Thé vang — Bao lan ndi tra, ngoai tr) ‘Thoi hgn thank toan Pham vi bao hiém Hip 2s Sn e elh eee ‘Trong vong 30 ngity, tir ngay 06/06/2023 dén 05/07/2023 (Chi tit theo bein Ineing dan thi: tue deing kj mua bévo him dinh kim) ‘Néu dy ra syr kign bao hiém trong théi han thanh toan phi bao hiém ghi trong hop dang nay, CTBH cé trich nhiém tra tién bao hiém cho NDBII v6i digu kign la BMBII bao dim viée thanh toan phi bao hiém sé dirgc thanh todn toan bd va diing han theo quy dinh cia hgp déng. “Vrong trong hop BMBII khéng than ton phi trong thdi han thanh toan, hop ding bao hiém s¢ cham diit higu lye khi hét thé han thanh toan phi. Ce bén ciing thoa thufin ring rong trudng hop phi bio hiém néi trén duoc thanh todn day di cho CTBII (hode bén duge CTBH ay quyén thu phi) sau thoi han thanh ton phi quy dinh, gp déng bio hiém durge xem xét phye hdi higu lye tir thoi diém dén han thanh toan tro. di dya trén co sé 6 xe nhn bing vin bin cia CTBH. ‘Trong moi trong hgp, CTBH khéng chiu trich nhiém béi thuéng/bao Linh moi ro phat sinh trong thai gian BMBII qué han thanh todn phi bao hhiém cho dén ngay thanh ton phi bao hiém (vi hgu qua lign quan cua nihimg rai ro nay), hiém, cde phy lye, ede stra déi b6 sung vi/hode cae thoa thuan khée dinh kém theo don: ~ Bao hiém sinh mang (khong bao g6m nguyén nhan tai nan); i vong, thurong tt vinh vign do tai nan; a~ Chi phi y té digu tri ngoai tré do dm bénh (néu co); = Tro cp ngay nghi do 6m bénh hoac tai nan (néu cd). Pham vidialy duoc bao _| ‘Theo Bang t6m tit Quyén Igi bao dusi day hiém/Luat ap dung Quyén Igi bao hiém/ ‘Theo Bang t6m tat Quyén Igi bao hiém duéi day Sé tign bio hiém BANG TOM QUYEN LOI BAO HIEM NGUOI THAN Don vj: VND eee EL OTEA ‘SO TIEN BAO sT re QUYEN LOI BAO kM ES MIEM/NGUOUNAM hee ss. I BAOMIEMCHIND | 1 | Diéu kign A - Bio hiém sinh mang (Pham vi Vigt Nam) pias ‘Chat, tan tt to’in b6 vinh vién do moi nguyén nhan (Khong bao | ‘Tra todin b6 sé tién bao _| g5m nguyén nhan tai nan) : _hiém_ Digu kign B- Chét, thirong | 2. [Saasamehep 4 100% sé tién bao hi = Tra % bio hiém theo Bang ty 16 thong E _ | tavtan tht vinh vién ea 120.000.000 0 chi phi thye t& hop Khdng vugt qué STBH i D-Di tr Noi tra do dm dau, bé ih it (bao Rey ye Pat A | 4 /ehm cA diéu tri ring), thai sin (pham vi Viét Nam) 360.000.000 144,000,000 = Phong cham | {Phong algo Chi phi thye té, ti da 5.000.000/ngay va khong, ‘qué 144.000.000/nam | | ~ 60 ngay/ndim 144,000,000 a- Cay ghép néi tang - Bign chimg thai sin va sinh mé (khOng bao hiém chi phi kham thai dinh ky) (Bao gém ca phdu thudt trong ngay, tiéu phd trong ngiy, thi thuat trong ngay, can thiGp trong ngay) Chi tra theo chi phi thue 16, 16i da dén 144.000.000 43 vin phue vy tra tip cho ea sinh duge bio hiém theo mitc gi ‘Cie quyén loi phy hi tre (Khong dp dung cho thai sn, trir chi pit him triée Khi nhap han phy ciia quyén Igi 4.3a) al Chi phi khim trude khi nhip vign (1 lan kham duy nhat trong vong 30 ngay trudc khi nhp vién) 3.000.000/naim utr] sau khi xudt vién (30 ngay ke tir ngay xuat ‘c/ Chi phi y ta chim séc ngay tai nha sau 15 ngay/nim), di‘Tro cap nim vig 3.000.000/nam 3.000.000/nam ~ 60,000/ngay_ trj tai bénh vign cng: ___100,000/ngay 400.000/naim “Tra toan bé theo chi phi 4.4 | Trg cip sinh tai bénh vign cng ‘Sinh thudng: 500.000/ea h Sinh mé: 1.000.000/ca si B_ | QUYEN LOI BAO ITEM BO SUNG 1 Diéu tri ngoai tra do ém bénh _* | ii nan nam va theo cde gidi han phy) 8.000.000 1.600.000/1in kham va ri didu tri . Khéng giéi han s6 Hin khém/nim 1.2. | ligu phap anh sang va cée phrong phap. 1ND.O0h eh ld do Bac s¥ chi di 2 =, ee Dicu tri rang bao 1.600.000/nam (trong dé cao voi ring t8i da 400.000/nim)Tigp ding nay bdi thuéng cho cdc chi phi kham chita rang hop ly, hop I Ui tai ce noi theo quy dinh sat = Chuyén khoa Nha tai tit ca cde Bénh vign hoat dng hop phap trong pham vi lanh thé Vigt ‘Nam. Riéng tai ‘TP Hé Chi Minh va Ha NGi: ngoai nhimg chuyén khoa Nha tai tat ca cdc benh vign néi trén, hop déng nay chi chap thuan bdi thudng cho cdc diéu tr] xay ra tai cic phdng nha trong hé thong cé théa thugn ky két bio lanh véi Bao Vist - Déi véi céc ‘Tinh thanh khde: ngodi nhing chuyén khoa Nha tai tt ca cde Bgnh vign n6i trén, hgp déng nay chap nhjn béi thudng chi phi didu trj 6 tit cd ede cdc phong nha c6 gidy phép ding ky kinh doanh va giy phép hanh nghé hop phap va cap durge héa don hop Ig theo quy dinh cia B6 Tai Chinh. - Bao Vigt khdng chi tra cho cdc chi phi khdm chita rang tai Nha khoa Happy (Da Ning), Nha Khoa Dai Nam (Ba Ning), Phong kim da khoa Hong Phusc - 96 Trigu Nir Vuong, Hai Chau 2, Hai Chau, Ba Nang; Nha khoa Hoan My Da Nang (Nha khoa tham my Da Ning) - 72 Pasteur, Hai Chau 1, Hai Chau, Da Nang. Danh sich nay c6 thé thay d6i va duge ep nat thudng xuyén trén website ciia Bao Vigt. (htip:/Avww.baoviet.com.vn/insurance ) C | pIkU KIIOAN MO RONG iu Khon mé rng bio hiém cho Ng6 dc thie &n, d3 uéng, hit phi khi dc, Khi gas, chi {ra theo phan bao hiém tai nan, gigi han VND 2,100,000,000/hgp dng. : - Digu khodn chp nhan toa thude tai BV cng c6 ma vach bénh nhan in dign tit, khdng cin i vitamin, thude bé véi digu kign c6 chi dinh cia bac sf, duge ké ciing toa thudc diéu tri, Chi tra t6i da 20% tng gid tri toa thude. chi tra chi phi g6i sinh mé tron g6i/a6i sinh dich vy tai cdc bénh -vign cng lap (VD: Bénh vign Phy sin 14 N6i, Phy san TW... va cdc bénh vién cdng cé tinh chit tuong tu) ma khong yéu cau bang ké chi tiét - Digu khoan mé rng et 86 thedng cho NDBH mét nam khong vwot qué gidi han toi da trong Bang t6m tit Quyén Joi bao hiém ‘Théi gian chix: Khong ap dung (Loai trir ding ky bao hiém d6i voi cde doi tugng khong dii diéu kign va khong ding d6i twgng tham gia bio hiém) (*) s6 lurong nguedi than tinh tai thai diém déu hop ding Ding chi tra "| Khéng dp dung Diéu khoiin bio hiém/ | ‘Theo quy tic bao him Stte khdc cita CTBH ban hanh theo QD s6 1927/ Quy tie bio him 201 /QD/TGD-BIBV ngay 22/6/2011 (1d mot b6 phn khdng tich roi véi hgp ding bao hiém) Quy dink ve thay d6i | Gigi han trich nhigm tit cd cic digu kign vi quyén loi khéng thé thay d6i quyén Igi trong suét thai han Igp déng bao hiém. Nhting quyén Igi nay chi cé thé duoc thay déi vao ngay tai tyc Hop dong bao hiém. Cae diém loai trix (ap dyng eho cae quyén Igi bio hiém chinh va CTBH khéng chiu trich nhiém chi tra tién bao hiém d6i voi nhitng ri ro, hang mye, digu kign, ede hanh dong, nguyén nhin, bénh, phuwong phap diéu tr] nhur duge ligt k¢ sau day va cdc chi phi phat sinh lién quan hay hau qua S117sung) cota ching: 1. Dye thiy tinh thé do suy bién tu nhign/lo héa; 2. Kham/xét nghiém khéng 6 két ludn chin dodn bénh hoge két ludn ‘khdng c6 bénh cila bac sy; cdc chi phi y té khOng lién quan dén bénh thuge pham vi bao hiém; 3. NDBI vi pham néi quy cia co quan theo Luft lao dong: dp dung gidi i thurdng bling 50% s6 tién bi thurimg thud pham vi trich nhigm bao hig; 4, Diém loai trir s6.2 trong Quy tic bao hiém duge thay thé nhu sau: 3 sham nghiém trong php ludt bi khéi t6 hinh bi khdi 16 niumg khi xét xir durge tod an két ludn 1a + NDBII 6 cdc hanh vi sau day khi tham gia giao théng: = Dua xe, t6 chite dua xe trai phép; ~ Didukhién phuong tign cé sir dung cl chit gay nghién hoe tuong ter; - Digu Khién phuong tign c6 str dung chit c6 cén din dén ndng d> cén trong mau vugt qué 10 mg/dl; ~ Digu khién 815, may kéo, ro mose, dau kéo kéo so mi ro mode khng 6 gidy phép ldi xe theo quy dinh cia I.udt Giao thong during 9 hod gidy phép lai xe khong hop Ie; = Van chuyén tri phép houic khéng thye hign day dit eée quy dinh ‘an chuyén hang nguy hiém; van chuyén hang cdm; = Dinguge chigu quy dinh, di vao duéng cdm. ~ _ Rigng truéng hop NBII diéu khién xe m6 16 hai banh, xe m6 13 ba banh, xe gin may va cdc logi xe twong ty khong cé Gi ‘theo quy dinh cia Lugt Giao théng dudg 69 hod Gidy phép lai xc kh6ng hop IG: ap dung gidi hgn béi thudng bing 50% s6 tién bai thurong thudc pham vi trich nhiém bao hiém. 5. Diém logi trrs6 3 trong Quy tie bio hiém durge thay thé nhur sau: Cie ri ro phat sinh truc tiép hodc widn tiép tir vide NDBH nghign rugu/bia, ma tay, céc chat kich thich hoje sir dung, lam dung hay nghién bit cit chat co ich thich/chit gay nghién nao. 6. Diém logitrirsé 7 trong Quy tic bio hiém duge thay thé nhur sau: Nhiing, rai ro mang tinh chat tham hoa nhw dOng dat, mii Ia, sng than, nhiém phéng xa, dich bénh/tinh trang khan edp y t6 theo céng bé ciia WHO hose eg quan Nha nurée 66 thdm qu; 7. Diém logi tri s6 20 trong Quy tie bao hiém duge thay thé nhu sau: Thye ach héa gia dinh, pha thai/hau qua ctia phi thai do nnguyér nan tm ly hay xd hoi dit] vO sinh nam/ad thy tinh nh ao, ching thai sn trén NDBH da va dang Kim thu tinh nbn tao (bing tit ca cdc hinh thirc); xét nghiém hofe diéu tr kha nang sinh sin hoge hiém ‘mudn; ri loan chite naing sinh duc hay digu trj sinh Iy; digu tr] bat Iye/ligt dwong; diéu tri cdc van dé vé gidi tinh; va bat ky hau qua hay bién chimg nao tir nhimg digu tri trén; 8. Cac diém loai trir khac ap dung nhu trong Quy tac bao hiém ban hanh ma tity, cde chit kich thich, theo Quyét dinh s6 1927/2011/QD-TGD-BIIBY ngity 22/6/2011 eéia Téngcéng ty Bio hi Bao Vigl. ‘Trong trung hgp ¢6 nhiing quy dinh trai nguge gitta Quy tic Bao hiém Site khde va Quyén Igi bio hiém, digu kign, diéu khoin bao hiém thi wu in ip dung theo BANG ‘1 TAT LQI BAO HIM NGUOL THAN va cdc didu kign, digu khosin tai chyong trinh bio hiém nay. | Cae diéu khoan bé sung 1. Diéu khoin bio hiém ty dong fing/giim va thu hdi thé (Cp nhat hang thing) + Diéu chink ting/gidm ‘Neurdi than thuge d6i trgng duge ting méi/ngudi than gidm trong thoi han bio hiém durye c§p nbfit hang thing cing thoi diém khai bao véi nan vign tang/gidm theo ding quy dinh (trude ngay thir 15 cia thang tiép theo trong thai han bao hiém). Va chéng mi cudi/con cai mdi sinh cia nhiin vién ci khai bdo trong vong, 30 ngay ké tir ngiy ding ky két hon/ngay con cai dit digu kign tham gia bio hiém. Higu Iyc bao hiém cho céc trong hop ngudi thin ting gitta ky duge tinh tir ngay ngudi than di diéu kign tham gia bao hiém (ngay nhan vign méi ky hop déng/ngay nhin vién dang ky két hn/ngiy con méi sinh fiéu kign tham gia/ngay nhin vién qua thdi gian thir vide - ting cap dis kign mua bio hiém cho ngudi than theo chinh sch eta dng ty). + Phi tink tang/giim: - Trudng hop bé sung/diéu chinh tang: phi bao hiém bé sung dirge tinh theo ty Ié gitta s6 ngay bao hiém (tinh tir ngay bit dau bio hiém dén khi hét han hop ding bao hiém) va 365 ngay trén co s6 théi han ctia Hop dng. chinh véi quyén loi day di. Phi bao hiém ting due man vién/ngudi than/NDBII thanh toén cho CYB trude ngay higu lye bio hiém, -udyng hgp giim: khong hoan phi 2. ‘Thdi gian ndp hd so bai throng: NDBH/Ngudi thira ké/Ngudi thy | huéng/Nguéi duge by quyén hop php; bé/me ciia tré em dui 18 tudi phai théng bio cho CTBII trong vong 180 ngay va gti cho CTBII hé so yéu cdu béi thudng biing ‘Tiéng Anh hode ‘Tiéng Viet khong qua mét (01) nim ké tirngay NDBH didu tri én dinh/ho&e xuat viGn/hogc tir vong. 3. Diéu khodn yéu clu du va chit ky eda dai din BMBIH trén Gidy yeu ciu bai thong: khong yeu edu, 4. Trudng hgp yeu edu bdi thirdng eho ngudi than: nhn viGn duge thay mat ngudi thin dé yéu chu CTBH chi tra bdi thudng va nhdn tién boi thuong trir trudng hgp bdi thuong cho quyén Igi tir vong phai theo quy dinh cia Phap ludt vé quyén thira ké.Danh sich bénh vign, phdng Khim trong hg théng bao lénh vign phi eta | CIBI c6 thé thay d6i ina KhGng edn bio truée va durge cdp nhgt thutng xuyén trén website hitp://www.baoviet.com. yn/insurance 6. Quy dinh vé cach tinh neiy ais vign: + D6i voi cae bénh tinh tn co sé qua dém va s6 ngay nim vign nim vign/24 gid, hodc theo s6 ngay giuémg thyc té trén bang ké (tra theo sé tién ndo thép hon). 7. Mé rong git quyét bdi thudng tren img dung BaoViet Direct Bao hiém Bio Vigt dp dung gidi quyét quyén Igi bio hiém trén bg hd so mém np qua img dung BaoVict Direct nhw sau: Khoan tién bai thurng khéng phai la di san thia ké, va nhé hon hog biing 10,000,000 VND (Mudi trigu ding) (1) Bain thé hign Gidy yéu cdu bdi thurdng (*GYCBT”) va Tuéng trinh tai nan (“TTTN”) duge khéi tao tir ing dung BaoViet Direct c6 gid trj tuong, durong bin cimg duge ngudi khai bio ky trac tiép - véi diéu kign khi Khai io dai duge xac thuc dign tir bing ma OTP. dau va chit ky xic nhan cia Whan sy (hoe Dai dign Bén mua bio hiém) trén GYCBIVITIN: Chip rnhain ban sao/ban chyp tir bin chinh/ban scan/ban photo... di ¢6 xéc nhiin eda Nhan sy (hoe Dai dign Bén mua bio hiém). Cac chimg tir nay duige liu tai hé théng cong ngh¢ thdng tin cia Bao hiém Bao Vigt (BHIBV), khdch hang khong phai in/kj/giti ban cimg toi BHBV sau d (2) Toan bé cdc chimg tir thanh toan cita b6 hd so la: - Bain thé hin 116a don dign tr 66 thong tin vé dong dln tra = il6a don chuyén di héa don dign tir e6 thing tin vé duémg dn tra ctu; (3). Cac chimg tir yt: Chap nbjin ban sao (bin’chyp tir ban chinh/ban chyp anh/ban scan/ban photo...) cde chimg tir y 16 va khong yeu cau ban sao c6 chime thye/bn sao ¢6 xé¢ nhin cia BBV; Riéng dai véi céic co séry té cOng Hip: Khong yéu cdu déu etia khoa/phong kham/bénh vign déi-véi cée'co sé y t& quan ly bénh nhan bing ma vach; (4). Cac chimg tir khi Chap nhdn ban sao ¢6 cht tuy timg trudng hop cu th Bao hiém Bao Vigt bio liu quyén dé nghj khdch hang cung | ciip/biin chinh ita toan b6 cae chime tir trén va bé hé so gde dé kiém tra, xde minh, d6i chiéu trong mét sé truéng hgp can thiét. ng thye hoc bin sao ¢6 xée nhin cla BHBV wit{ ‘Diéu khodn kiém tra ‘Higp ding bao higm 1. CTRM ¢6 quyén yéu chu NDBI cung cp ede gily + NDBII la Ngudi than cia nhin vi Gidy khai sinh (véi con cia nhan vién)/Gidy ding ky két hn (voi vo/chdng nhin vién)/S6 hé khau CII 8 quyén tir chéi bai thutmg néu NDBH khéng cung cp day di gidy to ndi tren. Rigng truomg hop nhan vign cia nguOi thin khong duge BMBHT déng bio hiém xa hdi; hoc nhan vién cia ngudi thin khGng cung cdp Sé bao xd hdi duge BMBH déng khi CTBHI yéu cdu, CTBH chi tra t6i da 50% s6 bai thumg thudc trach nhigm bao hiém, ri¢ng tru’ng hgp tir vong st Khong durge bio hiém (Quy dinh nay ap dung cho ed nhan vién va ngudi thin cia nhdin vién d6), ‘CBI kes quyén chi dinh chuyén gia y khoa va/hoge chuyén gia gidm dinh tén that ih kiém tra site khoé ctia NIBH va cae thong tin 6 lién quan dén viée gidi quyét khiéu nai néu thdy cn thiét. NDB cé nghia vu hop tic trong vige gidm dinh nay, néu khéng, CTBH 6 quyén tir chéi hd so yu cdu béi thudng lién quan. Ngoai ra, CTBII c6 quyén yéu cu khim nighigm tir thi trong trudng hgp el su vige Kham nghiém nay khong trai ‘v6i Php luat va phong tue tap quan. 2. Néu NDBII theo quy dinh hoic Nguoi thira ké hyp phip khong. trung thye trong vige thu hin cite quy hiém, CTBII c6 quyén tir chéi toain bd s6 tién bai thudng phat sinh (név ¢6), higu lye bao hiém ctia NIBH sé bj chim dit va NDBH sé khong duge hurdng bat ed quyén Igi nao thuge Hop déng bio: hiém. Khoan phi bio hiém d¥ déng khOng duge hoan Iai. ‘Trung hop CIBI! da chi tra quyén Igi bio hiém do cdc hanh vi tryc Igi néi trén, NDBII/Nguéi thy huréng/Neudi duge by qu dai dign hop php phai cé nghia vy hodn tra lai cho CTBH s6 tién da chi tra. 139 Hop dong bao hiém duge to thanh tir ede tai ligu dinh kem sau day: - * Hgp ding bao nay; ~ Phy luc chinh mt s6 dinh nghfa Phin 1: Quy dinh chung ctia Quy tic Bao hiém “Sire khée Bao Vigt” ban hanh kém theo. QD sé 1927/201 /QD/TGD-BHBV ngay 22/6/2011 va bé sung dt sé di => Phy luc II: Bang ty 1¢ tri tién tir vong/thuong tit vinh vién; > Phy tye fl: Danh sich NDBH; 10 hig; ing cia Hop déng bio hiém; = Quy tic bio hiém Site khée Bao Vigt. ‘Truong hop 6 nhimg quy dinh chua duge dé cp trong Quy tie bao hiém hodc khéng théng nhat-gitta Quy tic bio hiém véi Hgp ding bao hiém, cae pha luc bao hiém, cae sita déi bé sung due edp sau ngay ky két Hop déng, hai bén dng ¥ 4p dung theo thér ur uu tién sau (tir trén xudng) dé quyét cdc tranh chip hoge bdi thudng phat sinh trong thdi gian bao. hiém: = Cle sita di bé sung duge ky két tai thoi diém moi an?‘Digu khoan hgp ding nim = “Hlgp ding bio hiém, cc pi = Quy tiie bao hiém Sire khée Bao Vist. di E-IISMTT (néu c6) 1, Mét phan tram ty 1¢ gi 9 m irén co si diéu chinh vio Giai doan tiép theo can eit vio ty I¢ boi thurong cita Giai doan truée: Ty Ig bai thudng Giai doan true tir 30%-405 hiém cho Giai doan tiép theo TY Ig bai thudmg Giai doan trude tir 40%-50%: Gidm 5% hiém cho Giai doan tiép theo - TY 1G béi thuéng Giai dogn trade trén 50%: khdng giém phi * Ly Ig boi thug tng s6 tién chi tra bi thurdmg Khi hét hop d&ng (ude tinh 14 thing) /t6ng s6 phi bao hiém bao gbm MGP eGng toan b6 phi tng gidm trong nim tdi ngay hét han, 2. Phi bio hiém cita Giai doan 2 va Gi im 10% téng phi bio ting phi bio loan 3: ~ Néu ty Ié bdi thudng Giai dogn trude dusi 70%, quyén diéu khoan, ty 18 phi, ty 1g chiét khdu duge gitt nguyén nhur tai ~ Néu ty 1G bdi thurdng Giai doan trude trude ti 71%-100%, quyén loi, diéu , digu khoan git nguyén, ting phi ti da 35% so véi phi cia Giai dogn tai - Néu ty Ig bai thudng nam lign trade trén 100%, iu kign, digu khoan va phi bio hiém cia Giai doan tip theo sé duge digu chinh sau khi céng ty bao hiém danh Jai riti ro. *Ty Ie iudng nm = Sé tién boi thing tai thai diém chao phifténg phi bao hiém bao gm MGP * 14/sé thang tinh dén thoi diém chio phi *T 110i diém chao phi: sau ngay 1/10 hang nim, chét theo ty 1¢ bi thudng thy té tgi thai diém hai bén ky Phu luc cho giai dogn tiép theo i, didu kign, jai doan hién “Toin bé cdc tai ligu lign quan toi hgp dong bio hiém nay duge CTBIT cung cdip cho | diu mé khai chyong trinh cia ‘Téng céng ty Quan ly bay Vigt Nam CTBII khéng eung céip cic tai Tigu Tien quan ti hgp ding bio hiém nay cho cd nhan CBCNV/ngudi thin cia CBCNV. CIBH cé trich nhiém gidi dap nhimg vuéng mic, tw van va huéng din |PHY LUC I: Diéu chinh mot sé dinh nghia Phin I: Quy dinh chung cia Quy tie bio hiém “Sire Khée Bao Vigt” ban hanh kém theo QD so 1927/2011 /QD/TGD-BHBV ngay 22/6/2011 va bé sung mGt s6 dinh nghia méi (Dinh kém va la 1b phan khong tich roi cttw /HDBIT sd 1. Djnh ngbia s6 5 — ‘Thuong tit toan bo vinh vién duge thay thé nhw sau: la cdc tén thyong than thé do tai nan gay ra lam cho NDBI bj can tré hodn toan khi tham gia vao céng viée cia ngudi d6 hay bi mit hoan toan kha nang lao dng trong bat ky logi lao dong nao, kéo dai 104 tuan lién tuc ké tir ngay xay ra su kign bao hiém va khdng hy vong vo sir tién trién ciia thurong tat dé. in thuong tit vinh vién dinh kém 2. Dinh nghia s6 6 — ‘Thuong tht b phn vinh vién duge thay thé nhur sau: la cde t6n thuong thin jo tai nan gay’ ra lim cho NDBH vinh vién mat di chife nang hogt dong ciia mot hay nhiéu b phn co thé do hau qua cita vige bi cat cyt (mat) hog ligt hoan todn va vinh vién bd phiin d6. “Thyong tit b6 phén vinh vign chi duoc xae dinh sau khi digu tej Gn thyong than thé gdy ra thong t8t 46.48 k&t hie. "Trong tenga thug tf phn Vinh vign chua doe xc dinh ngay sau khi két thie tri tn thuong than thé, thuong t§t dé duvge coi [a thuong t8t bd phn vinh vién néu nd dign ién kéo dai trong vong 52 tun lign tye ké tirngay két thie digu tr}. CBI chi bao hiém cho ede Thurong t4t bs phan vinh ign thuong trong Phy Iye II — Bang ty 1¢ tra 3. Dinh nghia s6 9- Bgnh die bigt duge thay thé nhur sau: la nhing bénh ung thu, w/budu cde loai; fp, cc bénh vé tim, dt quy, suy/gidin tinh mach; loét da day, loct viém gan A/B/C, xo gan, suy gan, sOi mt; si thin va nigu quan, sOi dudmg tit nigu dui, hoi chmg than hu, suy than; im khép/da khép man tinh, the cot suy tly xtiong; duc thiy Alzheimer, hdi chiing mat tri nh6; dai thio dudns + Dinh nghia sé 14 — Nim vign khong ap dyng sé 15 — Phong va giving didu tri durge thay thé nlnr sau: la cdc chi phi tién phong, a Trung hop NDBU sir dyng phong tir 02 giving tro Ién, Bao hiém Bao ang bénh phye vu cho NDBII. 6. Dinh nghfa s6 16 — Phau thuat duge thay thé nhw sau: 1 mét phyong php khoa hoe dé diéu ui thwong tit, bénh tat, thai sin thude pham vi bao hiém duge thyc hign boi nhiing phdu thudt vién 6 bing cép thong qua nhiig ca mé bing tay véi cde dung cy y té hoe bing thiét bi y 18 trong mét co so y té hgp phap, gdm mé phanh, mé ndi soi, mé bang tia laser, tiéu phdu, thi thudt. inh thé bénh ly; Parkinson, trin khi mang phdi; lupus ban dé, Ja truémg hop phau thugt ma NDBIL lun tri tai vi ir 24 gid tr Hen trudng hop phdu thugt ma NDBIL luu tri tai bénh vign ¢6 phat sinh givéng, phong nhumg khing di 24 gid; * Phau thudt ngo: iudng hgp phdu thugit ma NDBIH luu trd tai bénh vign dudi 24 git nhung khong phat sinh tién ging, phong hoge NDBH thye hign tai phong khém 7. Dinh nghia sé 18 —Digu tr] ngi tra durge thay thé nhuesau: la vige NDBII pl itmhdt 18 24 gidraé didu * Phau thuit trong ngay i luru tre tai bénh vign ithurong tat thuge phym vi bao hiém. Diéu tri nGi tréi chi duoc chap nhan wikhi NDBH thye hign digu tr] tai m6t BEnh vign nhu dinh nghTa, khOng phai la Phong kham hay co sé digu tr ngoai ta. 8, Dinh nghia sé 19 — Chi phi diéu tri trade khi nhap vign duge thay thé bing “Chi phi kham trudge khi nh§p vign”, ndi dung digu chinh nhw sau: 1a cac chi phi tham kham, chin dodn, xét nghiém cdin thiét va lign quan tryc tiép dén 6m dau, bénh tt cia NDBH cdn phai nim vién/phiu thudt ngay sau d6, va.nhing chin dodn nay li co sé truc tiép dé bac sy két lun vide nim viGn/phdu thudt la edn thiét. Vige thim kham, chin don nhu vay KhOng vurgt qué 30 ngay trade khi nhdp vign digu tr va chi thanh toén cho 01 lan gan nhat truéc khi nhap vign. 9, Dinh nghia sé 21 —Thuéc theo ké don cia bic si dwge thay thé mhu sau: la nhiing thude duge ban va sir dyng theo chi dinh ciia Bac s7 va theo quy dinh cia phap ludt, khong bao gbm thye pham chise nang, due my phim, my phim; ché phim y té khéng nim trong danh myc th tri ciia BO Y 16; khoding chat, vitamin; thude ting curing min dich co thé/tang site dé Khang. 1 ., CTBH sé xem_ x6t bi thu’ng khong chat, vitamin khi tha man cdc diéu kign sau: © Duge ké don theo sy chi dinh cia Bac sy didu tr] bénbAai nan; * Trong toa thuéc phai cé thudc diéu trj di kém; 'éng chi phi cho ciic loai khodng chit, vitamin khong lon hon 20% tng chi phi cia cé toa thuéc. 10. Dinh nghia s6 25 - Diéu tri trong ngay duge thay thé nhur sau: 1A vie NDBH nhdp vign dé diéu {rj bénh/thuong tat thude pham vi bio hiém, c6 phat sinh chi phi gitrémg bénh nhung khéng luu tra tgi bénh vign dit 24 gid, Cac tréng hop lau tra tai bénh vign dé thye hign xét nghiém hodc chan doan nhung khong diéu tri sé khong duge coi la Didu tr] trong ngiy 11. Dinh nghia sé 28 — Cac bd phan/thiét bj y té hd trg didu trj duge thay thé nb sau: 1a © Cac bd phanthiét bi y 16 duge davedy/tring vao bat cir mot bs phéin ndo cia co thé dé hé tr cho chite ning hoat déng cia bd phan dé: stent, b may tgo nhip tim va phd rung, éng thong, Iudi loc, lv6i thoat vi, 1uéi titanium 3D, miéng ghép c6t sng, mang tai tao m6, mang sinh hoc, iu bang titan, nep/vis biing hgp kim, tém nang tryc tring. ‘© Céc bd phan/thiét bi y té c6 tinh chit dic thiv/chi sit dung rigng cho timg loai hinh digu trj hoe phdu thuat/sir dung mot Kin va khong khdu hao: dao Plasma, tay dao coblator, dao hummer, dao dao Puy nhit longo, dao bio phiu thuat khép, dao cit syn, IuGi bao, dao siéu 4m, micro catheter cae I harmonic mé hé/ndi soi, h¢ théng robot, béng nong, ro tin s6i, 1udi shaver. © Cac b6 phdin/thiét bi y t8 c6 tie dung h8 trg chite nang van dng hode ede chire nding kh cia co thé nhu: nang, nep, xe Kain, may trg thinh, kinh thuéc, may hd trg tim. * Cac dung cy chinh hinh mang tinh chat tham my khée BG phan gid: la cdc b6 pharvthiét bi/chat ligu dirge fam gid/nhin tgo dé thay thé cho ede bd phiin eta cor thé 12, Dinh nghia sé 29 - Chim séc thai siin khong ap dyng 13. Dinh nghia s6 31 — Bién chirng thai sin duge thay thé nhu sau: a tinh trang bat thubng cia bio thai, bién ching do nguyén nhn bGnh Iy phat sinh trong qué trink mang thai ella NDBH (nhung khOng lign quan dén vige digu tri v6 sinh, sinh non, sinh né) phai digu tej theo chi dinh ciia bac sf. Bién chimg thai sin bao gdm céc trudng hgp sau: +hét trong tir cung (thai hn); © ‘Thai ngoai tir eung; wir‘© Bang huyét sau khi sinh; ‘© S6t nhaw thai trong tir cung sau khi sin ‘© Pha thai digu tri, bao gdm trudng hop pha thai do céc bénh ly di truyén/dj (Gt bam sinh eda thai nhi hogc phai pha thai dé bao vé tinh mang cia ngudi me; © Doa sinh non déi v6i thai tir tudn thir 22 dén tudn thir 35 ctia thai ky; © Bién ching ciia cde nguyén nhan tren, 14. Dinh nghia sé 32 — Diéu tej ngoai tri durge thay thé nhur sau: li y té/bénh vign/phong khém nhu dinh nghta nhung khéng nhgp vign. ‘Truéng hop NDB thye hign ndi soi/ tha thuat chi nhim myc dich chin dodn bénh ma khéng (bao gém ndi tra, trong ngay hodc ngoai tra) chi duge giai quyét theo quyén Igi diéu tr] ngoai tra NDBIT didu trj tai mot co sé 15. Dinh nghia sé 43 — Thai gian chi duge thay thé nhw sau: 14 thdi gian ma céc quyén Igi bao hiém c6 liGn quan khdng durge chi tra bao hiém bao gém ca nhiing trrdng hgp thoi diém phat sinh ri ro nim trong thd gian chés nhung chi phi phat sinh hoc chi phi diéu qua cia dot diéu tr ri ro nay lai kéo dai qua thoi gian chéquy dinb. 16. Bé sung. dinh nghia x6 46 - Danh mye bgnh/thwong t9t logi trir trong 365 ngay du tign tham gia bao hi om nhiing bénh viém Amidan i igm VA can phai nao, veo vich ngin cin phaw thudt, viém xoang, bénh hen/suy8n; r6i loan tién dink, polip cac logi; viém tai gitta cin phau thudt; thoat vj dia dém, gut; tri; hoi chimg éng ¢6 tay phai phu thudt; réi loai chuyén héa cdc loai; phdu thugt day chang. 17. B6 sung dinh nghia 86 47 - Dir chi phi thuge phgm ¢ in theo ty I¢ ma CTBH, NDBII cing chi tra trén (0 hiém. Déng chi tra duge tinh theo ty 1¢ % trén téng chi phi y té thyc té phat sinh thuge pham vi bao hiém ho§e trén ede mie gidi han phy cia quydn loi ndi tri (hode ngoai tra), tay hon thi duc 4p dung, chi tra nay durge Sp dyng cho moi chi phi phat sinh tai co si y té d6 va cd chi phi phat sinh lién quan do bac s¥ tai co sé y 18 dé chi dinh. Déng cl iém theo nguyén tic khodn. tra khong 4p dung déi véi ede quyén Igi duge tra tién bao awePHU LUC II BANG TY LETRA TIEN TU VONG/THUONG TAT VINH VIEN Quyén loi Ty igh 1-CHET-——----— I1-THUONG TAT TOAN BQ VINIT VIEN Mit hoc mi hoin toan 2: mit i R6i loan tam than hoan ton khdng thé chita durge———-———~ Heng toan 66 chite ning nhai va ni ‘Mat hod ligt hodn toain 2 tay (tir vai hoge khuju rubs) Hoge 2 chan (tirhong hodc dau g6i xuéng): Mit ca hai ban tay hogic hai ban chain hodie mét mt ednh tay hoe mot bin chan hoge mat mot eénh tay va. mOt cing chan hoe mot ban tay va mgt cing chit in tay va mot ban chin —- 100% it hoa toan kha niing lao d6ng ma khOng thé Lim bat cit vigec gi (todn b6 bj té ligt, bj thuomg dn dén tinh trang iét ging hodc dan dén tan tat toan bg vinh vién)-— 100% 7. Cittoan b6 mot bén phdi vi mét phin phéi 100% Mei I~ THUONG TAT BO PIVAN VINIT VIEN 15-1 70-80% 9, Clteut canh tay tir dudi vai xudng 10. Cét eyt mt ednh tay te Khuyu xudng (Vhio hop khusu) ——— 11. Mat tron mdt bin tay hoge ton b6 ca 5 ngén tay: ding thoi ca ban ngén tay cla mot ban tay. ding thdi ca ngén cai va ngén tro. —- anna 35-45% 1g6n tr, ngén wit va ngén deo nhin-— 30-35% va 2 ngon khic a 16. Mat ngon cdi va mOt ngén khae 17. Mat ngén tr6 va hai ngén khde ~ ngon trd va mot ngdn gi 19. Mat tron ngén cai va dot ban ng6n dt va dét ban Mat ca ngén tit ‘Mat hai dot 2 va 3 Mat dét 3. Cig khdp ba vai— 24. Cimg khép khuyu tay25. Cimg khap cé tay-— 20-30% 26, Gay tay can Iéch hoc mat xurong lim chi ngiin trén 3em va chitc nding quay sip ngita han ché hoc wo thinh khép gid-—-—— 25-35% cH DUOT 27. Mat m6t chan tir hang xuéng (‘ 28. Clit cut mou di 13 gitta hoae dui- 29, Ct cut mot chan tir gi xuéng ‘(Iho khép g6i} 30. Théo khép 6 chin hose mat mot ban chin ————— 31. Mat xong sén ——- 34, Mat. doan xuong, méc——~ en 35. Mat mat ca chat Mit ca trong —-— 36. Mat ca 5 ngén chin— 37. Mit 4 ngén chan bao gdm cd ngén cai 38. Mat b6n ng6n trir ngdn cai 39. Mit ba ngin 3-45 40. Mat ba ng6n 1 —2~3— 41. Mat mt ngén edi va ngén 2 —- 42. Mat mt ngén cai — 10-15% 44, Mat mt dt ngén cai — —- 08-12% 45. Cimg khép héng —~ ——— 45-55% 46. Cimg khop e¢ 47. Mat phan \én xurong banh ché va gidi han nhigu kha ning duéi cling chan trén diii - 48, Gay chain can Ich hoc mat xwong kim ngin chi = itnhat 5 em. ~'ir3 dén 5 em—— COT SONG 51. Cit bd cung sau cia mot dét séng — eta 2 ~3 dat sing td Ken —- 35-40% 9 NAO, . Khuyét xuong so (chura 06 bidu hi LONG NGYC bo 1-2 xuong sun— At bd tir 3 xurong surbm tre len . Ct bd dogn mdi xurong sun — 56. Cit mH ‘bg mét bén phéi 58. Cat nhiéu thay phdi o 1 bén— 59, Cat mot thiy phdi 50-60% 35-45%BUNG 60. Ct toan b6 da day-——- 61. Cat doan da day ——-—- 62. Cait gn hét ruGt non (con lai dui 1 m), 63. Cit doan rugt non- 64. Ct toan bé dai tring: 65. Cat doan dai trang ——- 66. Ct bo gan phai don thuin 67. Cat b6 gan trai don thu: 68. Cat phiin thy gan, thy vj tri, sé lgng va két qua phiu thuét- 69. Cit b6 tai mat 70. Cit bd Id lich: mat pl . Cat mot a bang quang . Mat duong vat va 2 tinh hoan & ngudi: Dui 45 tudis mot ben hai ben. mot bén-— MA 79. Mat fioie mit hoan ton mGt mit Khong lip duge mat gid Lip dirge mit gid 80, Mat hoc mi hodn ton mot mi a nan nay di mat hose mii mt mat 80-90% ‘TAI-_MUI-HONG 81. Dike 2 tai, hon ton Nang (Néi to hogee thet Vira (N6i to 1-2m con nghe)— 08-15% 20-40% 10-25% 1785. Mat mii, bién dang mai --—--———- Mat 86. Mat ton b6 xuong ham trén va mot phn xuong him du6i tir canh cao tro xudng Khéc bn — Ciing ben: 87. Mat toan b6 xtrong ham trén hoge dudi —- mnmn----—~ 70-80% 88, Mat mt phan xuong ham trén hoge mét phan xwong ham duéi tir 1/3 dén 1/2 bi mat tir canh cao tro xudng —- ne 35-45% 30-40% 15-25% 15-85% 30-60% - 80-90% 91. Mat 2/3 Iwai tir dau Iwi — 92. Mat 1/3 lu@i anh huréng dén phit am — 9. Mat mét phin nhé Iwoi (dur6i 1/3) anh hung dn phat im aaa 10-15% in bio hiém: iéu throng t2t 6 cing mot bo phan co thé, téng sé tién tra cho cc thong tit khong duge vuot qui ty. 1g mat bd phan co thé dé. b) Vét thurong digu tri binh thudng, vét throng khéng bj nhiém tring sé duge tra tién bio hiém tuong img, ‘véi mire thap nhat ca thang ti 16 tra tién bao hiém quy dinh cho truéng hgp nay. ) Vat thong digu tri phite tap, vét throng bj nhiém tring hoic sau khi diéu tri cdn dé lai di ching thi thy theo mite d@ nding, nhe durgc rd cao din cho t6i mite t6i da cia thang ti IG tra tién bao hiém quy dinh cho ' trudng hgp nay. )Trudng hop hau qua ctia tai nan thude pham vi bao hiém bj tram trong hon do bénh tit ed hoje digu tri thong t8t than thé khong kip théi va khéng theo chi dn cia co sé y 1¢ thi CTBH chi xem xét tra tin bao hiém nhu déi véi logi thurong t4t tuong tw 6 ngudi ¢6 sie khée binh thuéng duge diéu tr} ‘mot cdch hgp ly. varHUONG DAN THU TUC VA HO SO DANG KY MUA BAO HIEM [Ho so chimg minh quan hé | KHONG YEU CAU than nhan CBCNV ding ky mua bio hiém cho ngudi thin chju trach nhigm ké Khai trung thy, diing vi tugng va diéu kign tham gia bao hiém duoc néu tai ban chao phi bao hiém. ‘Trung hop tham gia bio hiém khong ding d6i twong va digu kign quy dinh trén, Cong ty bao hiém (CTBH) c6 quyén chdm dit bao hiém va khéng chiu trach nhiém véi quyén Igi bao hiém da daing Miu ding ky mua bao | CBCNV din thong tin theo file dinh kém van ban ndy ign tye hiém tiép théng tin vio file mém) Thi hgn np danh sich va | Trong vong 30 ngiy, tir ngay 06/06/2023 dén 05/07/2023 phi bao hiém ‘Sau ngay nay CTBH sé khéng tiép nhdn danh sich va phi bio hiém | (atu ¥ CBCNV vui long nop phi béo hriém trurée ngeiy ../07/2023 dé trénh phét sinh truéng hop 16i chuyén khoén, I6i ngéin hang, ngdn hang béo tri hé thing...) Phuong thie thanh todn | Chuyén khoin 100% phi bio phi bio hiém 06/06/2023 aén 05/07/2023 Ifwéng dan nOp danh sich | 1. Thong tin chuyén khoin: va phi bio hiém ‘Tén thy hung: Cong ty Bio Vit Thang Long. ~ $6 tai khodin: 0071085075009 - Tai Ngn hang TMCP Bao Viét - Sé giao dich (BAOVIE BANK). 2. Noi dung chuyén khoa HQ VA TEN CBCNV + SO DIEN THOAL LIEN HE + NOP “SO | LUQNG” NGUOL THAN i Vi dy: Nguyén Thi Sinh 0343558999 ndp 5 neudi than 3. Thong bao cho diu méi phy trich thu phi CBCNY gti anh chuyén khodn thanh c6ng va danh sich ding ky theo miu (file mém) qua ZALO cho: Thi Hoai Phuong ~ Zalo: 034 348 4317 (Can bd phyGUY YEU CAU Bo HEM NGUOUTHAN THAM GIA Bio MEM j WONTON srt ane vye “eMnceea i ie | eve DN VI CONG TAC ug vai rae SO vig THON us Wray | essa | FRAEFOTHERE HORN TETING sooya ee zl om | { | | t— > i wt 1 Let I | t t «| I T T t % t w | | i i T ; | i I 2 | a i a j