BHTnhiem Moi

BO HIM TRCH NHIM*www.sachdoanhtri.blogspot.com

www.sachdoanhtri.blogspot.com

c trng ca bo him trch nhimi tng bo him mang tnh tru tngi tng bo him l phn trch nhim hay ngha v bi thng cc thit haiKhng nh lng c trch nhim ngay lc tham gia bo himiu kinC thit hi thc t ca bn th baC hnh vi tri php lut ca c nhn hay t chcC quan h nhn qu gia hnh vi tri php lut ca c nhn hay t chc v thit hi ca bn th ba*www.sachdoanhtri.blogspot.com


BH trch nhim thng c thc hin di hnh thc bt bucMc ch n nh ti chnh cho ngi c bo himBo v quyn li cho nn nhnC th p dng gii hn trch nhim hoc khngKhng xc nh c thit hi trch nhim dn s ti thi im tham gia bo himCc cng ty bo him thng a ra cc gii hn trch nhim*www.sachdoanhtri.blogspot.com


BO HIM TRCH NHIM DN S CA CH XE C GII I VI NGI TH BAi tng v phm vi bo himTrch nhim dn s ca ch xe c gii i vi ngi th baLoi trLi, ph xe, ngi lm cng cho ch xeNhng ngi li xe phi nui dngHnh khch, nhng ngi c mt trn xeTi sn, t trang ca nhng ngi nu trn*www.sachdoanhtri.blogspot.com


Phm vi bo himThit hi v tnh mng v tnh trng sc kho ca bn th baThit hi v ti sn, hng ho ca bn th baThit hi ti sn lm nh hng n kt qu kinh doanh hoc gim thu nhpCc chi ph cn thit v hp l thc hin cc bin php ngn nga hn ch thit hi, cc chi ph thc hin bin php xut ca c quan bo himNhng thit hi v tnh mng, sc kho ca nhng ngi tham gia cu cha, ngn nga tai nn, chi ph cp cu v chm sc nn nhn*www.sachdoanhtri.blogspot.com


Trng hp loi trHnh ng c ca ch xe, li xe v ngi b thit hiXe khng iu kin k thut v thit b an ton tham gia giao thng theo quy nh ca iu l trt t an ton giao thng vn ti ng bCh xe v li xe vi phm nghim trng trt t an ton giao thng ng bThit hi do chin tranh, bo ngThit hi gin tip do tai nnThit hi i vi ti sn b cp, mt cp trong tai nnTai nn xy ra ngoi lnh th quc gia, tr khi c tho thun khc*www.sachdoanhtri.blogspot.com


Ch xe v li xe vi phm nghim trng trt t an ton giao thng ng b

Xe khng c giy php lu hnh, giy chng nhn kim nh an ton k thut v mi trngLi xe khng c bng li hoc bng li b tch thuLi xe b nh hng ca cht kch thchXe ch cht chy, n tri phpXe tp li, ua xe, chy th sau khi sa chaXe i vo ng cm, i m khng c n *www.sachdoanhtri.blogspot.com


Ph bo himc tnh theo u phng tinCng thc: P = f + dP: ph bo him / u phng tinf: ph thund: ph phi vi phng tin hot ng ngn hn (thng)Ph ngn hn = Ph nm x s thng hot ng /12Ph ngn hn = Ph nm x t l ph ngn hn theo thng

*www.sachdoanhtri.blogspot.com


Ph thunSi: S v tai nn c pht sinh trch nhim dn s ca ch xe c bo him bi thng trong nm ITi: S tin bi thng bnh qun 1 v tai nn c pht sinh TNDS trong nm ICi: S u phng tin tham gia bo him TNDS trong nm In: S nm thng k*www.sachdoanhtri.blogspot.com


V d: S liu thng k 5 nm, yu cu xc nh ph BH*www.sachdoanhtri.blogspot.com

NmS xe hng (chic)S v tai nn (v)S tin BTbq (trng/v)123451.000.0001.100.0001.200.0001.300.0001.400.00011.40010.60011.90013.00013.7007,57,87,98,79,2


Nu ph ph chim 20% ph BH, tng ph BH?Nu ph ph chim 20% ph thun, tng ph BH?*www.sachdoanhtri.blogspot.com


Ph ngn hnPnh = Pnm x s thng hot ng / 12

P hon li = Pnm x s thng khng hot ng / 12*www.sachdoanhtri.blogspot.com


Trch nhim bi thng ca bo himH s bao gm:Giy chng nhn bo himBin bn khm nghim hin trngT khai tai nn ca ch xeBn kt lun iu tra tai nn (nu c)Bin bn ho gii (nu c)Quyt nh ca to n*www.sachdoanhtri.blogspot.com


Cc chng t lin quan n thit hi ca ngi th baThit hi ca bn th ba bao gmThit hi v ti snThit hi v con ngi: thit hi v sc kho, thit hi v tnh mngS tin bi thng = li ca ch xe x thit hi ca bn th ba*www.sachdoanhtri.blogspot.com


Thit hi v ti snTi sn b mt, h hng hoc b hu hoiChi ph hp l ngn nga, hn ch v khc phc thit hiTi sn lu ng: gi th trngTi sn c nh: nguyn gi khu hao*www.sachdoanhtri.blogspot.com


thit hi v sc khoChi ph hp l cho vic cu cha, bi dng phc hi sc khoChi ph hp l v phn thu nhp b mt ca ngi chm sc bnh nhn, tin cp dng cho ngi m bnh nhn c ngha v nui dngThu nhp b mt hoc gim st ca bnh nhnB p v tinh thn*www.sachdoanhtri.blogspot.com


Thit hi v tnh mng

Thit hi v sc kho trc khi chtChi ph hp l cho vic mai tng Tin tr cp cho nhng ngi m ngi th ba c ngha v nui dng*www.sachdoanhtri.blogspot.com


V d: Tnh s tin bi thng ca Cty X, Cty YHai xe A v B va qut nhau, lm b thng thm 1 ngi i xe pXe A thit hi 30%, li xe A nm vin 10 ngy, vin ph 2trXe B thit hi 70%, li xe B nm vin 40 ngy, vin ph 7trXe p hng, thit hi 0,2tr, thit hi con ngi 0,3trXe A c gi tr 20tr, xe B 30trThu nhp li xe A 2tr/thng, li xe B 7tr/thngA mua BHTNDS ti Cty X, B mua BHTNDS ti Cty Y vi mc v TS 30tr/v, v ngi 12tr/ngi/v. Mi ngy nm vin c bi dng 0,1% mc trch nhim v ngiLi xe A c li 40%, li xe B c li 60%*www.sachdoanhtri.blogspot.com


BO HIM TRCH NHIM DN S CA CH DOANH NGHIPi tng bo himPhn trch nhim dn s ca ch s dng lao ng i vi ngi lao ng khi c tai nn lao ng hoc bnh ngh nghip xy ra i vi ngi lao ng do qu trnh lao ng lm ngi cht hoc thng tt dn n mt kh nng lao ng tm thi hoc vnh vin*www.sachdoanhtri.blogspot.com


Phm vi bo himTai nn lao ngBnh ngh nghipBnh do biBnh do ho chtBnh do yu t vt l*www.sachdoanhtri.blogspot.com


Trng hp loi trB thng hoc cht do chin tranh, ni chin hay t tm au, bi lit, nhi mu, ng kinh, chn thng s no, x va ng mch, hu qu ca vic m xiu khin my bayi li bng ng hng khngTai nn do ngi tha hng quyn li c gy ra hay kch ng, hu qu ca vic vi phm php lutS dng cht kch thch, bnh tm thn*www.sachdoanhtri.blogspot.com


Trch nhim bi thng ca bo himCn c vo mc thit hi thc t nhng khng vt qu s tin bo himiu kini tng c bo him tn tiRi ro xy ra trong thi hn ca hp ng bo himRi ro xy ra thuc phm vi bo him*www.sachdoanhtri.blogspot.com


Ph bo himc tnh cn c vo s tin bo him tho thun, thi hn bo him v loi ngh nghip ca ngi lao ng*www.sachdoanhtri.blogspot.com


Nhm I: lao ng gin tipNhm II: lao ng khng lm vic ch yu bng chn tay nhng mc ri ro cao hn nhm INhm III: lm vic trong iu kin kh khnNhm IV: Lao ng lm vic trong iu kin nguy him*www.sachdoanhtri.blogspot.com


Biu ph theo cc nhm ngh nghip VN*www.sachdoanhtri.blogspot.com

STBH chnhI (%STBH)II(%STBH)III (%STBH)IV (%STBH)n 3000$T 3000-5000T 5000-10000T 10000-20000T 20000-30000Trn 300000,120,130,250,350,415Tho thun ring0,1350,150,270,420,50Tho thun ring0,160,1750,320,470,58Tho thun ring0,180,230,450,600,72Tho thun ring


T l ph ng theo thi gian s dng lao ng thay i*www.sachdoanhtri.blogspot.com

Thi gian sd lao ng (thng)T l ng (% so vi c nm)123456789101112203040506070100100 100100100100


V d: C s liu v s lng lao ng v tnh hnh tham gia BH ca mt DN nh sauTrong nm pht sinh thm:7 lao ng loi II lm vic t 1/8 c BH gii hn 8.000$6 lao ng loi III lm vic t 1/10 c BH gii hn 11.000$2 lao ng loi IV lm vic t 1/11 c BH gii hn 11.000$Tnh ph BH doanh nghip phi np trong nm.*www.sachdoanhtri.blogspot.com

STBHIIIIIIIV8.00011.00060--4020501015


Th tc gii quyt bi thng ca bo himH s bao gmn bo himGiy thanh ton ph bo himBin bn xc minh tai nnS sc khoH s iu tr bnh nhn: phiu thanh ton vin ph, bnh n, phiu theo di iu tr ni tr, giy t xc nh thu nhp, phiu thanh ton iu tr ngoi tr*www.sachdoanhtri.blogspot.com


BH trch nhim cng cngLoi tai nn: gy ra bi ti sn thuc quyn s hu ca ngi no i vi cc thnh vin khc trong cng ngGii hn bi thng c p dng chung cho cc khiu ni c cng mt s c*www.sachdoanhtri.blogspot.com


BH trch nhim sn phmNguyn nhn: khuyt tt sn phmDo li thit kLi sn xutLi do qun, khng hng dn hoc cnh bo y Li do khng quan tm y cc c im an tonLi do khng thu hi sn phm khuyt tt*www.sachdoanhtri.blogspot.com


Phm vi trch nhimCht, m au, thng ttThit hi vt chtTn tht ti chnh khc*www.sachdoanhtri.blogspot.com


BH trch nhim ngh nghipBo v cho ngi lm cng tc chuyn mn i vi nhng khiu ni cho rng thng tch hay tn tht do hnh ng ca ngi ny gy raKh nng khiu ni ln, t cng ty BH tin hnh trin khai nghip v ny*www.sachdoanhtri.blogspot.com


*www.sachdoanhtri.blogspot.com


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