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    giáo trình bảo hiểm trong kinh doanh

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    giáo trình bảo hiểm trong kinh doanh

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    24 views117 pages

    giáo trình bảo hiểm trong kinh doanh

    Uploaded by

    Cherria

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    © All Rights Reserved
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    GS, TS Hoang Van Chau (Chit bign) edo rive Bio ani 'TRONG KINH DOAN NHA XUAT BAN LAO DONG XA HOE GS, TS HOANG VAN CHAU (Chi biéa) sso TRINH BAO HUM TRONG KINH DOANH NBA XUAT BAN LAO BONG XA HOT Muc Lyc Lornorpku ‘Chazong 1: Kh quét chung vé bio hide 1 Blo him vA sui thit trong 4 so xt Ni 1. Cie nguytn ti con ba ao hiém "IL. Pht loa Bo bigs (Ciucong 2: Bio hiém hing hit LL Kini chung vo hide hg hit 1 Blo higo hing hot xu tp kbd van chuyen bog tg bi TL. Blo hides than thu TV. Biohigm wich nhigm din sya ch tu (Chuong 3: Bio biém kang hod van chuyén trong lah thd Viet Nam 1. Kh nig vd rug bio idm 1. Pham i bio hiém {UL Ti te bo dm, git boi vA 6 én. bo igo TV. Nghia wy cia nub hid kh xy att ‘V. Kbit nl vA bd hut ta dt (Chacon 4: Bio idm Wang khong [L Kb nit vA cc oa nh bo hiém 1 Pham vi bio him trong ting log nh bdo hiém 1. Gi dn tn tht, ki mal va bi hut, 109 no m2 ua ns us 1B Chang 5: Bio hiém hod hoan Vs ec ri ro dae bet 1. Khai iam wei rug eis ism hed Bren vi ele ri ro dic bite 1. Phgm vi trichnhiém eba bio hiém he bean vt ce rio die biet 1, Gi tr, 9 hn vp do hen ong bo hin ho oan 8 lel ote Wet 1. Gig inh vs 2 Lg ea tt ‘VTi tye yt i Bo him hod hogn v8 cei v fe its (Chon 6: Bao ion xay dug va lip dt L Blohiém say dime I. Bohiém vipat [HL Ta ye yeu fe bo hide way dung Wp a. ‘Cheong 7: Tb bin que C6 EX quit chung ti ho hid IL isk tae it bo biden 1. Peng te bio hiden TV. Hom ng ti bo hin & Vit Nam larg 8 Qu y ni use vEkinh anh io fn [ENQi dung quin mh ne vé ki dean Do hd Coan quin jth nds v kin doa bi him TE Dosti nghiep Bo hig 1V-Byll ble hig, down agp mi gi bo ig Y, Dea nghiep bio hiém va doanh mphign moi igh bo bid 05 van fu wnuce gos ‘Vi. Tha ra oat dng kin donk bi hin Phe luc: York — Antwerp Ruites 2004 ry M0 1a 151 153 156, 1B rs 87 193 19 29 a 23 ra 25 (Chuong 1 KHAI QUAT CHUNG VE BAO HIEM 1. BAo HifiM VA St CAN THIET TRONG DOH SONG XAHOE [LR ro vac bien php 6p vot rit ro “Tong ctge sng hing agi, tong at dg Kn ea con igo thutag 6 ang tis, ta mam 6 BS gh ago iy ca fy thi hal vt ng va sin. Nit tai ho, ta og, 6 ny ra mbt ch bft ngs, nga nin vy go io isk) ‘DE dG pb wi fe ri ro con nga dng ef bia php sau any: 1) Tr ri ro (risk evoldance) ‘Trdah i ote 1 Ehng hm mot vide 4 gu igo hide, ig che ehén.Bign phép ny 06 nue didm I lim cho con ‘ut ic mio lings, khing dém lim mat vige mh khong fn th cng Edog tha doe Kul 8) Naan nga, har che rit ro (sk prevention) Big php nly, hf hien 8 vite fe ong ty, fe ef han dng nang btn php 8 phdng, nga aga, ban chiro vat gud ‘ln ab tog pig chay cha chy: he ding bio v cog ‘un fp fe bia php an toa lao gsc ita pip aa ch a angio thong Ty nha, bia php my tag Ktong ti agin an dace ro xy 1a 1) Teck phy rir (risk assumaton) Bin php ly th hig & vite ef cng ty ce aban dy gc kon én ih eh i roy ra th ing Kan en 1 46 bt ap ie pu nan qui. Bits php ay ci gi Buy bo 1d (el insane) Bign php my cing CO ng hts eh sit dia ahs Rog pc ty cng aa conse nn dt tid dg aby ng td dl ce ng i ett en cb Unk cbt dm hg #8 gy dona ws In tong 2a ek af ing ye a 0 cg vt abs £& Chuyen alent ro (rere ge coh sy ng sy Hy min Kay Hang ei eng de Mgt ke ahi ir Hn ck eh tin Hon pt tm ee san 56 rg cfc chaya huang ro cho eae cong ty ‘he, Ki 8 chi ita i , cde cong ry Ke 4 pil bn, hing it Dal do #30 hb dug ye cn ng yea Buses 2 0 ph nk mot Kinin fs. Bze ip a6 gel 1 bio id, Bgn pap ny end ir: Ritog wy dong 6 og x ot pham vba Ap ong rs 8 (ip eing i wo28 it std hae. gti mn cha aay na. 2.-lah nga, Hin chat ita Bd hin “Bio” nis ns em 1 mg ka php et ail, sl nbs hake page bu du cla Si 10, Co thé dil aha So igen he anu a bid 2 mot year ket Ba auch ea ng ito hie dt wt ogi dee bi itd Wn dhs py mee ce adi ugg bio id do vide rit ro 4a tia thug gra, vot (Kan nu ch Rin da Su bao inch a8 ae, la itn mje Bhi i 0 18 peo Mi ‘Teong dink agin en, clin iu $ mgt sR er se ye «Ng bio hig Ginaure, undositer 8 agus ban ee lem 19 edge hug phi bBo pha vt ea ‘Sn hit yr, Neb Bo hin o6 th cag ty a MBA me Hay caus nas, Debt dae bdo hii (be incur) tango Ll Se bio dim (snabte teres [gu aie beh HE co ay ca age meu bio hie thug. Newb duce bo hide Be nga ven uong hop ig bio iv gu pl nop fo bid, = BEh vaorg bio (Subject ~ mater insured) [ati sia geo eh mang hid, BS rego bid 3 ee a sa (ropenty) 0a age gesonel hoe uch cio (liblity) veo gw tat Ri o pe ho ii imu aginst) Hi eo #8 tba ‘yg 0g bop ding. Neutl do hidm eh bi tbeg ating hte do nbn ri oe tog gaya mie Phi bd Him (erin) 12 met Eoin is nh mA nah ge bo hid pl ngp cho nau bdo idm d€ duce ba dtng. ie hi bio im tring ong bo big dn ra tea co nh tof 2he suk xy ral 0 hose ten oo 9 thing ke a tt aba (gy bio 9 pa oof a But be i pa dC ‘ng til © 8. Suh vp én rong ki chub ebuing 1B nge npata ven quan wong oot y blo hig du or sang nn Tn wyekinh dass tse, ‘Shi ham sla mgt nghtp'va bo Wn no 8, ss rg, bio hide cia naw duce bo hen cdo 6 bi ein tt do nt io age bio im pay nt agus bdo hdr Bt Ung cho gu uy bio hid 6. Khon tia cng ty io hi bi hung ly 156 pi blo hidm eta cd tng ngutthaen gla bo hig ot 4 app. Troag sf mhong nguté thm gia blo hiém Klong pl tek 4 bj Gn tht ma thing ek 6 mgt hoge mgr 86 ngabi. Naame, gui ng bj dn wid nit bj dt Kong 86 pb i. (Nh vay sige eh ea og la ge pach 1 hae gt hose m9 86 neh va che tte ming nga than gla bo én ‘ing cha D6 86, ae ngiep vy bio hiém mo 46 mode én Mis ge pti e6 abu nga en gin hay a céch Yenc lo her chi oat dg dig u co i ute 26 ng (the Lr f ange mb. (Chng 25 sa pi cham gia 3 xe sus xly a iro dv cng agi cha nb va blo hid ching oI 43, Sud tle va tbe dng ee bi hie ont dng bic hid Thc hist da ey 16m Kh gunn cha iz, ‘Blo igi ob tic dang to fin di vai koh eu dan vi bi s6og hand hd hig nrg mt saw ay: ‘Siren efe thoi i ahi 8191 eh 66 ian as Ba ip ahing tht ia, ast rae v# nua ve in ce oh ute, eta ec dona nghitp. ela che 8 ade inh 6 Wo vb eit ef hte do ei ro gy ra tin We phe ga qu ed 1 v0 68 Sn inh sn xu, inh doanh va és, = Teo 12. nga vile bing pi hig vA tap wag vio mat 8 ui i ve ling Tink vee Wi; = BS sung vo ngta sich cba NBR vee Wing etn bio im, Tang thu vg eb co cin tn hai ton gu is Tyo 8 mst fant weg hog ing ir 1 va 8 sa, 10 = Tang cxtmg cong ic 8 pang va hen chen hit ang meh inh te host dong ea con nai, TL CAC NGUYEN TAC CO BAN CU BAO HIE Hort dng bi him duce tits hinh én cos ang nguyta tie ootbin su day: 1. Bio hid mit ri ro chit khong bio hiém mnt sw chde cada (fortuity not certlnty) [Nauti bdo hid chi niga bo hiden mgt i 0 16 bo hig ‘Qe sr £6, met Bi ag, 35 ow, Ay 1a mgt fed EM ng apa hitn,agedi 7 masa el con agubi eb King blo hin mgt efi chic chin xiy 29, damug ahién ay 18, cling alu chi b€ thug hung shot he, rato cro gy om clu kong pA i then ‘ho mhang hig ha eke chin ky m, doen mbes, 2. Nguyen te rung the roy (utinost good fat) Theo nguyta tic ndy, hal ben ca moi quan be béo bid gut bo idm vt nub age io iim ~ phAl myer di cong hye ‘oi mao, tin nang 38 phan, ong de Iie 6 abn, Neh ent ‘env pam ti hg dng No hide nen koa of es ye, aun deny thé eae = Nauti bio hiém phil cong Kal rnyen 6 afog du Kits rgoytn tic, thé I, gi ef Do higo cho mg dug blo hiém bi hong dee man Mo hide dl bist asi czomg bo hin di Ca not saat, = Nau dug bt hidm phi Kia Bo eh fe chi it ‘en quan dé doi reong bio biden; gh tag fo Kip this nhlng thay 6 v8 db eagng blo hidm, v8 xi ro, v6 mtg mci de doa -nguy hie bay Ben tng hoe iso. mi cn it age ote dag n 12 phi BiB, cho ngus bo hig; bong duge mum bio gm edo ‘6 eugag be bid ki bd egg bo hig 6 dB di a ‘3. Nguyés col ch bo hidm (insurable interest) ‘Theo nguyéin tf iy, mgs duge Bio hiém musin mea bio biden pio lf ei. Lag fc ia hi ct 2 guy Ih 1 es hete 8 6 rong, 6 toqng bis him. Trong bio him hn Dil ot eso ign ng ae Tit hl co ey Eo 8 bo ir, nang nS thet pb 06 hi vay xe wn sh. Vay le ch ‘nog 2g Ug ch bio hin Wt Se hoe quya ig Lit quan a, Iida v9 ay py tage 80, a ao Yoko hay Ming an ade cha ds upg i hn, gut ade 6 o6 Je ch bio Midi € cong met ‘igre bio hig riod of nghin Ts guy eis ng 66 de eo dim ai egg ba him 66 an tin ng i, qoyén Ie ch ng 66 Bi pam nat nf Army io Hig 66 nape se. Hay n6i ch Kc, agus e5 Ih ic bio hin I ngui tiet I 9 chink kh 65 rang blo hid aap i. Nawal elo ich bo ide tng thug bgt chi Mf vé dtu bi itn 136, ng eh deh nit qukn Wy Ba hoge ng mn fn of thi sin, Le ich bio além 03 9 ngs ce én eng Bi hiém. C6 Ii feh blo bin mot due AY KER hop Bg bdo hid. Ka xy co tb tn, gut tage oi ph gfe i m6, me ‘ttn “A Nguyen the él thang Qndesmity) ‘Taso higuyé tie nly, Eni cf dn dt xy ra ng fo hin ‘hl UG thug alu dé no 36 dé Ady to cho nguel éx9e bio hg 6 vj ut 1 ebnh nh rae Kh ha tay ra, kaw hong kl. Cc hes kong due lo dng bio bg dye 5, Neuén tie thé quyén Gubrogaton} ‘Theo nguyen the my, agus bio hiém, su Hb dung cho ‘pg dime Blo him, c& quyén tay mat nig doe bio hide cE a 54 nants thi 6 deh nhiem, bi tht coo minh BE tye hin Suge nguyen te may, gut duge bdo blém phil cung cp efe bin ba, gly; ching, ths then tit che agai oko ies. TIL PHAN LOgI BAO BIEM 4. Cami vio ew chi hoat dng cia bo in, c6 thd pin ra a= do bm x hb (ocint insurance): ls chE 68 bio hide cia ahh nude, ela deka thé xi hg hoge ee cle eng ay shdm uy fp céc vien hic al ae, ngs Dam edn tone teat hop Se dau, bb at, b] che nog bj tai nan trong, Fam vig, vé hm Bio bidim xt Uol 66 d9c dig: of wal ete bir tue; OO sik Int € uy in eh Wong tah Sn hls, x0 eu td, [khong itm mu ich inh doen, ‘Bo hide xB hoi c6 ce Jal sau dy: = Che ho him 28 ng 6 wi cin bo, ven che nh mae; Blo hie thet nghigp, = Bio hiém y D « Bdo Hidinifasme mgt (eormerolat Prsurance) 1 loa ‘inh bio hiérs mang tn cht Kink ean, kim I. Loai bio hid ny 06 dic (idm: King hit huge; e tah dé ting di neg, ting rll z0 ey ti: nen rye dh kin doons 2. Can cir ha tik chat cia blo him, eb: = Bo idm hare tho (life insurance 14 bio hides si -mgng cdc tod tho ela con ngubi nhim bb dls cho ngud duge bo ‘ain mot kan sin ki the ham bdo htm ogc K ngubl drge ‘bio hiéin bj ohéthoge Bf thuong tt toda bp vinh vig. Bio higm ‘hs tho bap gdm ete loa nghigp vy = Bio higm ton di = Bao higm sinh}: = Big kgs - Bio hen hin hep, Bo hi i dia 8. 1b - Baio hide phi nh tho (nonsife insurance) Ik ke tsi ‘bo him ee ~ Bio idm sfc kev bo hiém ta nen con ng = Bio hig Wing hii (Masine Insurance), g6m bio hiém thn tu (ull Snsirance, blo hiém eich mbit chit uP and T Insurance) vA io hidm hag hie vin chnyén bing cum biém (Cargo Insurance}; Blo hi sin vt bo hid thi ais + Bio him hing ia vin ebayén blng duimg b9, ding sf, ding hing kre ~ Biohidm ehdy vi ete + Bio him hing kira hide nay dg, va kp dt Bio hiém dt kt Bio hiém te eo git Blo hide rch nim cia gut giao nba; + Bio hiém wich him chung va rich sim sia phém Bio big rch nem gh nahi; = Bio him mong nai. + Bio hiém ih; + Bio ifm b6 cst cho ngubi Ino dng. odie bits “ 3 Ca er v0 ugg Boi, 41d its ss 65 sg Bo én 1 so, ee tp {hl bay of to bao ai Vt he ti ly 8 i Tig doe di ehng tong eg nh 8S He my any sh Be et ‘@hysca. 2 Bio ide tre wn: A 30 bo igen wong oe ah ny oleh nbien dn wo cba met de ka his 3 a U8 thi ba ay i 6 op, 6 Bd hid con neu dit cong to big con ng by cdc bg pn cia cot con vga hey ec ia A ein gean sour he, wh gag, fe Whe ta gn, 4 Theo qu dah ea php lft edn ot phi rs lo hide br bag bo ies wou. Theo Ie Kink

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