San ph~m b6 trQ' "Bao hi~m hO trQ' tili chinh" 113 lo~i san ph~m khong chia lai va khong cogia tri hoan I~i.

Di~u 1 NhCPngquy djnh chung

1.1 Trli' nhCl'ng khai ni$m dU'Q'cdinh nghTa dU'6'i day, cac thu~t ngCl', tli' dU'Q'cvi€!t hoatrong quy tac, di~u khoan clla bao hi~m b6 trQ' nay se co nghTa nhU' quy dinh, giaithich trong Ban quy t~c va di~u khoan clla HQ'pd6ng bao hi~m chinh.

1.1.1 "Ban quy t~c va di~u khoan bao hi~m bO trQ''' 113 ban quy tac va di~u khoan cllaBao hi~m b6 trQ' nay.

1.1.2 "Bao hi~m bO trQ''' 113 bao hi~m dU'Q'cCong ty cung cap cho Ben mua bao hi~mtheo quy dinh t~i Ban quy tac va di~u khoan bao hi~m b6 trQ' nay.

1.1.3 "Ben mua bao hi~m" dU'Q'c hi~u 113 Ben mua bao hi~m clla HQ'p d6ng bao hi~mchinh.

1.1.4 "NgU'cYi dU'Q'c bao hi~m" 113 ca nhan hi$n dang CU' tru t~i Vi$t Nam, tu6i tli' 18(mU'6'i tam) tu6i d€!n 60 (sau mU'O'i)tu6i (theo sinh nh~t vli'a qua) vao ngay hi$u IlYcclla Bao hi~m b6 trQ' nay, va dU'Q'CCong ty chap thu~n bao hi~m theo Ban quy tacva di~u khoan bao hi~m b6 trQ' nay.

1.1.5 "NgU'cYi th •••hU'cYng" 113 ca nhan ho~c t6 chuc dU'Q'c Ben mua bao hi~m chI dinhtrong DO'n yeu cau bao hi~m, ho~c phl,J ll,Jc(n€!u co) d~ nh~n quy~n lQ'i bao hi~mtheo HQ'pd6ng bao hi~m nay.

1.1.6 "ThU'O'ng t~t toan be? va vinh vi~n" ("TTTB& VV") co nghTa 113 khi NgU'6'i dU'Q'cbaohi~m bi thU'O'ng t~t xay ra trong khi Bao hi~m b6 trQ' co hi$u IlYc, lam mat ho~c li$thoan toan va khong th~ phl,Jch6i dU'Q'cchuc nang lao dongclla:a. hai tay; ho~cb. hai chan; ho~cc. mot tay va mot chan; ho~cd. mat thi IlYc hoan toan va vTnhvien hai mat; ho~ce. mot tay va mat thi IlYChoan toan va vTnhvien mot mat; ho~cf. mot chan va mat thi IlYChoan toan va vTnhvien mot mat.

Trong trU'6'ng hQ'p nay, mat thi IlYc hoan toan va vTnhvien dU'Q'chi~u 113 mat h~n matho~c mu hoan toan va khong th~ phl,Jch6i dU'Q'cchuc nang clla mat; tay dU'Q'ctinhtli' c6 tay trer len; chan dU'Q'ctinh tli' mat ca chan trer len.

"TTTB&W" cOng co nghTa 113 khi NgU'6'i dU'Q'cbao hi~m bi thU'O'ng tich do Tai n~n,6m dau hay b$nh v6'i ty 1$tli' 81% trer len theo Ban Quy dinh tieu chu~n thU'O'ng t~t,tieu chu~n mat suc lao dong do b$nh t~t do Nha nU'6'c quy dinh, dan d€!n mat hoantoan kha nang:

• dam nhi$m bat ky cong vi$c, ngh~ nghi$p ho~c tham gia vao bat ky cong vi$ckinh doanh nao rna co th~ dem I~i thu nh~p trong su6t qu~ng d6'i con I~i.

1/6

Quy t~c va Dieu khoan sao hiem bo trQ' h6 trQ' tai chinh

1.2

• thl,l'c hi$n it nhat 03 (ba) trong 06 (sau) chuc nang sinh hO<;lthang ngay dU'cYiday n€lu khang co Sl,l'trQ' giup thU'ang xuyen clla ngU'ai khac:

o Tam rl}a: tam rLra trong b6n tam hoc;ic dU'cYivoi sen (k~ ca vi$c bU'cYCVaGhay bU'cYcra kh6i b6n tam, phong tam) hoc;ictam rLra b~ng cac phU'O'ngti$nkhac.

o Mc;icqu~n ao: mc;ichoc;iccai qu~n ao hay cac trang phl,lc khac, mang hoc;icthao cac 10<;linieng rang, chan tay gia hay nhCfng thi€lt bi y t€l tU'O'ngtl,l'.

o Dich chuy~n: di chuy~n tLr giU'ang ra gh€l hay VaGxe lan, va ngU'Q'c1<;Ii.

o £)i l<;Ii:di tLr phong nay qua phong khac a cung m(>tt~ng.o Tieu, ti~u: ki~m soat dU'Q'c chuc nang tieu, ti~u d~ dam bao v$ sinh ca

nhan.

o An u6ng: tl,l' dU'a thuc an VaGmi$ng ngay ca khi thuc an da dU'Q'cchufm bisan.

Cac dieu khoan va dieu ki$n clla HQ'p d6ng bao hi~m S8 dU'Q'c ap dl,lng cho Saohi~m be,trQ' nay.

a. N€lu co nhCfng mau thuan giCfa San quy tac va dieu khoan bao hi~m be,trQ' nayvcYiSan quy tac va dieu khoan clla HQ'pd6ng bao hi~m chinh, nhCfng quy dinhclla San quy tac va dieu khoan bao hi~m be,trQ' nay S8 dU'Q'cap dl,lng.

b. N€lu San quy tac va dieu khoan bao hi~m be,trQ' khang co quy dinh ve m(>tvande ma van de do da dU'Q'Cquy dinh t<;liSan quy tac va dieu khoan clla HQ'pd6ng bao hi~m chinh, San quy tac va dieu khoan bao hi~m be,trQ' nay S8 dU'Q'chi~u la da bao g6m cac quy dinh ve van de do.

Di~u 2 Thai h~n clia Bao hi~m b6 trQ'

Thai h<;lnclla Sao hi~m be,trQ' la tLr 05 (nam) d€ln 47 (b6n mU'O'ibay) nam, dU'Q'ctinhtLr ngay hi$u Il,I'c clla Sao hi~m be, trQ' d€ln ngay k€lt thuc thai h<;lnclla Sao hi~m be,trQ' va dU'Q'Cghi tren Giay chung nht;ln bao hi~m, trLr trU'ang hQ'pcham dLrt trU'cYCh<;lntheo San quy tac va dieu khoan clla bao hi~m be, trQ' nay. Trong mQi trU'ang hQ'p,thai h<;lnclla Sao hi~m be, trQ' luan ngan hO'n thai h<;lndong phi clla HQ'p d6ng baohi~m chinh 01 (m(>t) nam.

Di~u 3 56 ti~n bao hi~m va djnh ky d6ng phi bao hi~m

3.1 s6 tien bao hi~m clla Sao hi~m be,trQ' nay dU'Q'cghi tren Giay chung nht;ln bao hi~mhoc;iccac phl,lll,lc (n€lu co).

3.2 £)inh ky dong phi bao hi~m clla HQ'p d6ng bao hi€lm chinh da ky k€lt S8 dU'Q'capdl,lng cho dinh ky dong phi bao hi€lm clla Sao hi€lm be,trQ' nay. Khi co Sl,I'thay de,i vedinh ky dong phi bao hi~m clla HQ'pd6ng bao hi~m chinh da ky k€lt, dinh ky dong phiclla Sao hi€lm be,trQ' nay S8 dU'Q'cthay de,i tU'O'ngung.

Di~u 4 Hi~u h,l'c clia Bao hi~m b6 trQ'

4.1 Ngay hi$u Il,I'c clla Sao hi€lm be, trQ' nay la ngay Cang ty chap thut;ln bao hi€lm choNgU'ai dU'Q'c bao hi€lm sau khi Sen mua bao hi€lm da dien VaG£)O'n yeu c~u baohi~m va dong dll Phi bao hi€lm ban d~u clla Sao hi€lm be, trQ' nay vcYidieu ki$nNgU'ai dU'Q'cbao hi€lm phai con s6ng. Ngay hi$u Il,I'cclla Sao hi€lm be, trQ' nay dU'Q'cghi tren Giay chung nht;ln bao hi€lm hoc;iccac phl,l Il,lc (n€lu co).

4.2 Sao hi~m be,trQ'S8 cham dut hi$u Il,I'ckhi m(>ttrong nhCfng trU'ang hQ'p sau xay ra:

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Quy t~c va Dieu khoan Baa hiem bo trQ' ho trQ' tai chfnh

a. Baa hi~m b6 trQ' cham d(Pt hi$u h,l'c theo quy dinh t~i Ban quy tac va di€lukhoan nay; ho~c

b. Bao hi~m b6 trQ' h~t h~n; ho~c

c. Cong ty nh<;indU'Q'cyeu c~u cham dlPt Bao hi~m b6 trQ' nay bang van banclia Ben mua bao hi~m; ho~c

d. HQ'p d6ng bao hi~m chinh cham dlPt hi$u Il,l'c ho~c chuy~n sang tinh tr~ngduy tri hi$u Il,l'cv&i s6 ti€ln bao hi~m giam; ho~c

e. Khi quy€ln lQ'i bao hi~m theo Bao hi~m b6 trQ' nay dU'Q'cCong ty chap thu<;inchi tra; ho~c

f. Ngay ky ni$m hQ'p d6ng ngay sau khi Tu6i clia NgU'ai dU'Q'cbao hi~m d~t 65 .(sau mU'O'ilam); ho~c

g. Cac trU'ang hQ'p khac theo quy dinh phap lu<;it.

£)i~u 5 Quy~n lQ'i bao hi~m

Trong khi Bao hi~m b6 trQ' nay con hi$u Il,l'c, n~u NgU'ai dU'Q'cbao hi~m bj ThU'O'ngt<;ittoan bo va vTnhvien ho~c tli' vong, Cong ty se thanh toan 100% s6 ti€ln bao hi~mclla Bao hi~m b6 trQ' nay vao moi Ngay ky ni$m hQ'pd6ng ngay sau ngay xay ra Sl,l'ki$n bao hi~m cho d~n khi k~t thuc thai h~n 01 (mot) nam k~ tlr ngay Bao hi~m b6trQ' nay h~t h~n.

Trong thai h~n thanh toan quy€ln lQ'i bao hi~m clla Bao hi~m b6 trQ' nay, n~u NgU'aidU'Q'c bao hi~m clla HQ'p d6ng bao hi~m chinh bj ThU'O'ng t<;ittoan bo va vTnh vienho~c tli' vong, ph~n quy€ln lQ'i bao hi~m da phat sinh nhU'ng chU'a dU'Q'cthanh toanclla Bao hi~m b6 trQ' nay se dU'Q'cchi tra mot I~n.

£)i~u 6 £)i~u khoan lo~i trLP

6.1. Cong ty khong thanh toan bat ky quy€ln lQ'i nao n~u trU'ang hQ'p tli' vong clla NgU'aidU'Q'cbao hi~m trl,l'c ti~p ho~c gian tiep dU'Q'cgay ra bai cac nguyen nhan sau:

a. tl,l' tli' trong thai h~n 02 (hai) nam, k~ tlr Ngay hi$u Il,l'c hQ'p d6ng ho~c Ngaykhoi phl,lc hi$u Il,l'chQ'pd6ng g~n nhat, tuy vao ngay nao d~n sau; ho~c

b. bi nhiem HIV, AIDS va cac b$nh co lien quan d~n HIV/AIDS; ho~c

c. NgU'ai dU'Q'cbao hi~m, NgU'ai thl,l hU'ang ho~c Ben mua bao hi~m thl,l'c hi$nho~c mU'u toan thl,l'c hi$n Hanh vi ph~m toi dan d~n trU'ang hQ'p tli' vong cllaNgU'ai dU'Q'cbao hi~m. Trong trU'ang hQ'p co nhi€lu hO'n mot NgU'ai thl,l hU'ang,va mot ho~c mot s6 ngU'ai trong do c6 y gay ra cac Hanh vi ph~m toi v&i NgU'aidU'Q'cbao hi~m, Cong ty van tra toan bo quy€ln lQ'ibao hi~m cho nhCrng NgU'aithl,l hU'ang khac theo s6 ti€ln tU'O'ng(Png v&i ty 1$ma Ben mua bao hi~m da chidinh trong HQ'pd6ng bao hi~m theo Ban quy tac va di€lu khoan nay; ho~c

d. thi hanh an tli' hinh d6i v&i NgU'ai dU'Q'cbao hi~m; ho~c

e. chien tranh ho~c ho~t dong lien quan d~n chi~n tranh.

6.2. Cong ty se khong thanh toan quy€ln lQ'i TTTB&W n~u NgU'ai dU'Q'c bao hi~m biTTTB&W vi nhCrng nguyen nhan trl,l'c ti~p ho~c gian ti~p sau:

a. tl,l'tli', mU'u toan tl,l' tli' ho~c tl,l' gay ra thU'O'ngtich ho~c co y djnh gay ra thU'O'ngtich cho ban than cho du trong tinh tr~ng t1nhtao ho~c mat tri; ho~c

b. Bat ky b$nh tam th~n, ho~c th~n kinh ho~c r6i lo~n tam th~n khong co t6nthU'O'ngthl,l'c th~ nao, hoi ch(Png m$t m6i man tinh; ho~c

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Quy tik va Dieu khoan sao hiem bo trO' ho trO' tai chfnh

c. b~t ky ho~t dong th~ thao khang dU'Q'c li$t ke trong danh sach cac man th~thao nghi$p dU' khang co tinh ch~t thi d~u dU'O'i day, trLPtrU'Crng hQ'p dU'Q'cGong ty ch~p thu~n:

di bO/ di bO dU'Crngdai (ngo~i trLPleo nui), d~u ki~m, ch~y vU'Q't rao, th~ dl,lcdl,lng Cl,l, ch~y bo Gogging), cac man phoi hQ'p, diem kinh, , bO'i loi, I~n khangblnh khi, IU'O'tsong, 1U'&tvan bu6m, cheo xu6ng (canoeing) va cheo xu6ngkayak (g,~mbCrva khang phai vung hi~m tra), 1U'&tvan nU'O'c, IU'O'tcano Getskiing), bi s~t, Ian bong ga (bowling), cau ca, di xe d~p va xe d~p leo nui, bi dabang, bi da la, bong ban, bong chay, bong da, cricket (man th~ thao dung g~ydanh bong giCra hai dOi), chO'i golf, bong re, bong chuyeln, bong chuyen baibi~n, bong bau dl,lc, hu~n luy$n ngl,J'a, cU'6'i ng l,J'a, khuc can cau, khuc can cautren bang, trU'Q'tbang, trU'Q'ttuy~t tieu khi~n (ngo~i trLPtrU'Q'ttuy~t nguy hi~m),b~n sung, b~n cung, bong quan (squash), quan vQ't, cau long, thuyen bu6mtieu khi~n (khang co ml,lCdich vU'Q'tbi~n); ho~c

d. tham gia cac ho~t dong th~ thao chuyen nghi$p, cac cuoc dua dU'O'imQi hlnhthuc, trLPtrU'CrnghQ'pdU'Q'cGong ty ch~p thu~n; ho~c

e. tham gia cac ho~t dong hang khang trLPphi vO'i tU' cach la hanh khach tren cacchuy~n bay dan dl,lng; ho~c

f. hanh dong clla NgU'CridU'Q'c bao hi~m, bao g6m nhU'ng khang giO'i h~n d~nvi$c dieu khi~n phU'O'ngti$n giao thong, dU'O'itac dong clla thuc uong co c6n,sCfdl,lng thuoc kich thich, ch~t gay nghi$n, ma tuy d~n muc m~t kha nang ki~msoat y thuc, trLPkhi dU'Q'Cke toa bai bac si co chung chi hanh nghe hQ'p philp;ho~c

Thu~t ngCr "dU'O'i tac dong clla thuc uong co c6n" la trong trU'Crng hQ'p xetnghi$m mau ho~c cac hlnh thuc xet nghi$m khac co n6ng dO c6n vU'Q'tmuccho phep theo quy dinh phap lu~t.

g. NgU'CridU'Q'c bao hi~m, NgU'Crithl,l hU'ang ho~c Ben mua bao hi~m thl,J'c hi$nho~c mU'u toan thl,J'chi$n Hanh vi ph~m toi dan d~n trU'CrnghQ'p tCf vong cllaNgU'CridU'Q'cbao hi~m. Trong trU'CrnghQ'p co nhieu hO'n mot NgU'Crithl,l hU'ang,va mot ho~c mot so ngU'Critrong do co y gay ra cac Hanh vi ph~m toi vO'i NgU'CridU'Q'cbao hi~m, Gong ty van tra toan bo quyen lQ'ibao hi~m cho nhCrng NgU'Crithl,l hU'ang khac theo so tien tU'O'ngung vO'i ty 1$ma Ben mua bao hi~m da chidinh trong HQ'pd6ng bao hi~m theo Ban quy t~c va dieu khoan nay; ho~c

h. Tlnh tr~ng y t~ co trU'O'c.

Trong trU'CrnghQ'pquy dinh t~i dieu 6.2 nay, n~u Ben mua bao hi~m van ti~p tl,lCduytrl HQ'p d6ng bao hi~m, cac quyen lQ'i bao hi~m khac se van dU'Q'Cthanh toan theoBan quy t~c va dieu khoan clla HQ'pd6ng bao hi~m nay.

£)i~u 7 Thu tl,lC giai quyl!t quy~n Igi bao hi~m

7.1 NgU'Crico quyen nh~n quyen lQ'i bao hi~m theo Ban quy t~c va dieu khoan clla HQ'pd6ng bao hi~m nay la:

a. NgU'Crithl,l hU'ang dU'Q'cchi dinh trong DO'n yeu cau bao hi~m; ho~c

b. Ben mua bao hi~m n~u khang co chi dinh NgU'Crithl,l hU'ang trong DO'n yeu caubao hi~m ho~c t~t ca nhCrng NgU'Crithl,l hU'ang dU'Q'cchi dinh tCfvong trU'O'CkhiNgU'CridU'Q'cbao hi~m tCfvong; ho~c

c. Trong trU'CrnghQ'p co nhieu hO'n mot NgU'Crithl,l hU'ang, n~u co b~t ky NgU'Crithl,l hU'ang nao tCfvong trU'O'ckhi NgU'CridU'Q'cbao hi~m tCf vong, phan quyenlQ'iclla ngU'Crido se dU'Q'ctra cho Ben mua bao hi~m; ho~c

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Quy t,k va Dieu khoim Bao hiem bo trO'ho trO'tai chfnh

d. NgU'6'i thLra ke hO'Pphap cua Ben mua bao hillm neu Ben mua bao hillm ca tli'vong.

7.2 Thu tl,lCyeu cau giai quyet quy€m 100ibao hillm tli' vong:

NgU'6'i nh~n quyen 100ibao hillm phai gli'i cho Cong ty trong th6'i gian sam nhfIt cothll, nhCrnggifIy t6' sau cay:

a. DO'n yeu cau thanh toan quyen 100ica cU'O'cke khai cay cu, chinh xac;

b. Bang chli'ng ve quyen nh~n quyen 100ibao hillm (gifIy uy quyen, di chuc, bansao y gifIy chli'ng minh nhan dan, ho~c nhCrng gifIy t6' xac nh~n hO'P phapkhac);

c. Bang chli'ng ve Sl,f ki$n tli' vong bao gem:

• GifIy chli'ng tli' (ban g6c ho~c sao y ban chinh cU'O'c chli'ng nh~n bai cO'quan co th~m quyen);

• Bien ban tai ne;tnho~c gifIy xac nh~n tai ne;tncua cO'quan cong an neu tli'vong do tai ne;tn;

• Bien ban giai phau phap y (neu co giai phau);

• GifIy ra vi$n, cO'n thu6c, ket qua xet nghi$m, chli'ng tLr y khoa ban g6c(neu NgU'6'i cU'O'c bao hillm co kham, xet nghi$m va cieu tri trU'ac khi tli'vong).

Cong ty S8 bao lU'u quyen yeu cau Ben mua bao hillm ho~c ngU'6'i nh~n quyen 100ibao hillm theo quy cinh te;ticieu 7.1 thl,fc hi$n cong chli'ng, chli'ng thl,fc, hO'P phaphoa lanh Sl,f cac gifIy t6', bang chli'ng (bang Tieng Anh ho~c Tieng Vi$t) neu tren. Chiphi cho vi$c cung cfIp cac gifIy t6' nay S8 do Ben mua bao hillm ho~c ngU'6'i nh~nquyen 100ibao hillm chiu trach nhi$m thanh toano

7.3 Thu tl,lCyeu cau giai quyet quyen 100ibao hillm TTTB&W

NgU'6'i co quyen nh~n quyen 100ibao hillm phai gli'i cho Cong ty trong th6'i gian samnhfIt co thll nhCrnggifIy t6' sau cay:

a. DO'n yeu 'cau thanh toan quyen 100ica cU'O'cke khai cay cu va chinh xac;

b. Bang chli'ng ve quyen nh~n quyen 100ibao hillm (gifIy uy quyen, di chuc, bansao y gifIy chli'ng minh nhan dan, ho~c nhCrng gifIy t6' xac nh~n hO'P phapkhac);

C. Bang chli'ng ve TTTB&W bao gem:

• GifIy chli'ng nh~n TTTB&W ho~c gifIy giam cinh tinh tre;tngthU'O'ng t~t docO' quan co th~m quyen cfIp (ban g6c ho~c sao y ban chinh cU'O'c chli'ngnh~n bai cO'quan co th~m quyen);

• Bien ban tai ne;tnho~c gifIy xac nh~n tai ne;tncua cO' quan cong an neuTTTB& W do tai ne;tn;

• GifIy ra vi$n, cO'n thu6c, ket qua xet nghi$m, chli'ng tLr y khoa ban g6c (neuNgU'6'i cU'O'cbao hillm co kham, xet nghi$m va cieu tri trU'ac va sau khi biTTTB&W).

Cong ty S8 bao lU'u quyen yeu cau ngU'6'i co quyen nh~n quyen 100ibao hillm cU'O'cquy cinh te;ticieu 7.1 thl,fc hi$n cong chli'ng, chli'ng thl,fc, hO'Pphap hoa lanh Sl,f cacgifIy t6', bang chli'ng (bang Tieng Anh ho~c Tieng Vi$t) neu tren. Chi phi cho vi$ccung cfIp cac gifIy t6' nay S8 do Ben mua bao hillm ho~c ngU'6'i nh~n quyen 100ibaohillm chiu trach nhi$m thanh toano

7.4 Dieu ki$n giai quyet quyen 100ikhi NgU'6'i cU'O'cbao hillm bi TTTB&W:

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Quy tac va £>ieu khoan sao hiem bo trQ' ho trQ' tai chfnh

a. NgU'ai dU'Q'c baa hi~m phai thl,J'c hi$n vatho~c tuan thu t~t ca cac bi$n phapva/ho~c cac yeu ctlu ctln thi€!t nham ngan ngCra cac thi$t ht;li co th~ dan d€!nTTTB&W;

b. N€!u Ben mua bao hi~m ho~c NgU'ai dU'Q'cbao hi~m bi€!t m(>t Sl,J'ki$n co th~dan d€!n TTTB&W thl Ben mua bao hi~m ho~c NgU'ai dU'Q'cbao hi~m phai apdl,mg t~t ca cac bi$n phap ctln thi€!t d~ ngan ngCra va ht;ln ch€! cac thi$t ht;li coth~ xay ra;

c. TrU'ang hQ'p ctln thi€!t, n€!u/ho~c dU'Q'cGong ty yeu ctlu, NgU'ai dU'Q'cbao hi~mphai ti€!n hanh ki~m tra sli'c khoe b6'i m(>t chuyen gia y t€! do Gong ty chi dinhlien quan d€!nTTTB&W va chi phi nay do Gong ty chi tra;

d. Vi$c chli'ng nh<;inbj li$t hoan toan va khong th~ phl,lc h6i chli'c nang cua cac b(>ph<;in cO' th~ phai dU'Q'c thl,J'c hi$n khong sam han 180 (m(>t tram tam mU'O'i)ngay k~ tCr ngay xay ra Sl,J'ki$n bao hi~m. Vi$c chli'ng nh<;inNgU'ai dU'Q'cbaohi~m bi m~t hoan toan tay ho~c chan ho~c mat se dU'Q'cthl,J'chi$n ngay sau khixay ra Sl,J'ki$n bao hi~m;

e. Gong ty se chi tra quy€m lQ'ibao hi~m khi cac di~u ki$n va di~u khoan tren daydU'Q'Cdap li'ng dtly duo

7.5 Thai ht;ln yeu ctlu giai quy€!t quy~n lQ'ibao hi~m:

Thai ht;ln yeu ctlu giai quy€!t quy~n lQ'i bao hi~m la 01 (m(>t) nam k~ tCr ngay xay raSl,J'ki$n bao hi~m

==11==

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