-Quyn li c th c bo him.

-Gi tr tin mt thc t

Quyn li c th c bo him.
Quyn li c th bo him l hc thuyt php l quan
trng nht h tr cho cc nguyn tc bi thng cc
quyn li bo him.
Cc hc thuyt v quyn li bo him c pht
trin nh l mt phng tin m bo rng hp ng
bo him s khng c mc ch t cc li ch v cng
gim thiu nhng ri ro o c.

Quyn li c th c bo him.
Quyn li bo him ti sn v trch nhim
Quyn li bo him ti sn v trch nhim bo him
c thnh lp da trn mi quan h li ch gia ngi
c bo him v cc i tng ca bo him.
Ngi c quyn nm gi c quyn li bo him trn
nhng ti sn ang s hu.
Hp ng bo him s ch c hiu lc nu quyn li bo
him tn ti ti thi im mt mt, bt k c hay khng
c mt ti thi im bt u ca hp ng

Quyn li c th c bo him.
Quyn li bo him nhn th
Quyn li c th c bo him l mi quan h gia bn mua bo him v
ngi c bo him. Trong , ri ro xy ra vi ngi c bo him s gy
tn tht, thit hi v ti chnh hoc tinh thn i vi bn mua bo him.
Ngc li vi cc yu cu v ti sn v bo him trch nhim, s quan tm
bo him phi tn ti ti thi im khi ca hp ng bo him nhn th cho
cc hp ng l hp php, nhng n khng cn c mt ti thi im ci cht
ca ngi c bo him.
Mi c nhn u c quyn li bo him khng gii hn i vi tnh mng ca
chnh mnh, do vy h c th bo him tnh mng ca mnh vi bt c gi tr
no mong mun, min l c tin ng ph bo him.

Gi tr tin mt thc t
Cc c s o lng v s tn tht ti sn ca ngi c bo him khc vi
hu ht cc loi hp ng bo him v ti sn v trch nhim,cc bin php o
lng c gi l gi tr tin mt thc t. Chi ph v ti sn mi thay th ti
sn b h hng hay ph hu tr i khu hao v hao mn v hnh.
Mc d gi tr tin mt thc t l thc o c bn ca s tn tht ti chnh ca
ngi mua bo him trong hu ht cc loi hp ng bo him ti sn v hp
ng bo him trch nhim.Nhng n khng phi l cch o lng duy nht
c s dng.

Gi tr tin mt thc t
n bo him nh gi v n bo him thanh ton
tin mt
y l nhng loi n bo him khc ca hp ng bo him.ng ngha y khng
phi l hp ng bi thng.Theo nguyn tc n bo him c nh gi,cc cng ty
bo him ng v gi tr ti sn ti thi im hp ng bt u v trng hp xy ra
thit hi th tng s tin phi tr trong hp ng c thanh ton bng tin mt.
Trong bo him hng hi,n bo him c nh gi s mang tnh h qu lch s hn
s cn thit hin i. Nguyn tc ca vic bo him da trn c s mt gi tr ng nht
vn c s dng cho n ngy nay.
Trong nhng trng hp s tn tht s rt kh hoc khng th xc nh s tin thit hi
sau khi n xy ra(.),n bo him c nh gi s c s dng

Gi tr tin mt thc t
Lut v n bo him nh gi
Bt c khi no cc chnh sch ca bo him c vit m bo
bt c loi ti sn thc no b tn tht do b chy,lc xoy,hoc
st,v cc ti sn c bo him b ph hy hon ton,m khng
c li ca ngi c bo him hoc ngi c nhn chuyn
nhng,s tin bo him bng vn bn trong hp ng phi
c thc hin mt cch thuyt phc xc nh gi tr thc ca
ti sn,s tin thc ca s tn tht v o lng c s thit hi.
Mt lut ca bo him c gi tr da trn ga nh sai lm rng
bn mua bo him phi tr mt s tin nht nh cho bn bn
bo him,y l s tin nhn li ca bn bn bo him khi thit
hi xy ra.
y l mt lut v hnh v c rt t.

Gi tr tin mt thc t
n bo him thanh ton tin mt
Cc nguyn tc bi thng l cn thit trong hu ht
cc loi hnh bo him ti sn ngn chn ngi mua
bo him thu li nhun trn hp ng bo him,nhng
trong bo him nhn th th nguyn tc ny s b hn
ch.
Cc nguyn tc bi thng ch p dng mt phn trong
lnh vc y t.