Bo de Thi Van Dap Chinh Thuc-bao Hiem Cho Sinh Vien

7/25/2019 Bo de Thi Van Dap Chinh Thuc-bao Hiem Cho Sinh Vien

1/18

hng I: Khi qut chung v bo him1. Nu khi nim v c im c!" bo him.

#$ %&i: 'o him % m(t )* c"m k+t b,i th&ng c!" ng&i bo him -i vi ng&i /c bo him

nh0ng thit hi2 m3t mt c!" -i t/ng bo him 4o m(t $!i $o 5 th6" thu7n g89 $" vi ikin % ng&i /c bo him 5 thu bo him cho -i t/ng bo him v n(; tin ;

bo him

=c im c!" bo him:> =-i t/ng bo him % ti )n2 con ng&i2 t$ch nhim> Ng&i bo him ch? b,i th&ng b@ng tin vA:

"B i t$D %E hng c bo him )F khc nh"u ti cc th&i imbB CEng t9 bo him ch? t7; t$ung vo 1 %Gnh v*c

> H!i $o /c bo him: % nh0ng $!i $o 5 th6" thu7n t$ong h/; ,ng2 ng&i bo him b,i th&ng nh0ng thit hi 4o nh0ng $!i $o 5 /c th6" thu7n g89 $"

> Ng&i /c bo him % ng&i c %/i 'Q t$ch nhim ngh nghi; -i vi hot (ng t v3n ;h; %u7t> 'Q t$ch nhim ngh nghi; c!" 4o"nh nghi; mEi gii bo him> 'Q ch9 nS


2/18

X. #$Anh b9 gi t$D bo him v )- tin bo him[ #$D gi bo him v )- tin bo him c qu"nvi nh"u nh th+ no[#$ %&i: i t$D bo him: % gi t$D c!" -i t/ng bo him %\c bt ]u bo him c(ng thm ;h< b

him v cc chi ;h< c %in qu"n khc> Khi mu" gi CI 2 n+u L9 $" $!i $o thA cEng t9 bo him ;hi n bT t$n gi CI^ b"o g,

C _I_^

`- tin bo him: ton b( h"9 m(t ;h]n gi t$D bo him 4o ng&i /c bo him 9u c]u/c bo hima: gi CI^ hi ;hng c!" m(t %E hng % 1dk e`2 nhng ch! hng mu" bo him thOo h" n % fk e`2 v79 fk e` % )- tin bo him

a ngu9n tc thA )- tin bo him ch? c th nh6 hn hoc b@ng gi t$D bo himVW a> N+u a: ng&i bo him )F ch? bo him )- tin bo him % j 'Q 4i gi t$DB> N+u W a: ;h]n %n hn )F khEng /c t a: bo him ng"ng gi t$D

Z. #h+ qu9n t$ong bo him % gA[ #c 4Png v iu kin th*c hin th+ qu9n. Cho v< 4P. Ngu9n tc th+ qu9n j)ub$og"tionB#h+ qu9n % qu9n c!" m(t ng&i2 )"u khi b,i th&ng cho m(t ng&i khc thOo bSn ;h7n ;h%2 c th th"9 th+ vD t$< c!" ng&i 2 clng nh /c hng mRi qu9n %/i h/; ;h; c!" ng i ng&i th b" c t$ch nhim b,i th&ng cho mAnha: m(t cEng t9 bh )"u khi 5 b,i th&ng tSn th3t m(t %E hng 4o %i c!" ng&i chu9n ch cch! hng2 c qu9n th"9 mt ch! hng kin ng&i chu9n ch b,i th&ng cho mAnh t$ong ;hvi )- tin 5 b,i th&ng cho ng&i /c bo him #c 4Png:

> #h+ qu9n %m gi\; gim ;h< bo him: nh0ng khon tin i b,i hon thnh cEng thE

qu" th+ qu9n % ngu,n thu khc ngoi ;h< 'Q cEng t9 bh c th bT ; ti ch #h+ qu9n gi\; %m gim )- %/ng cc vP kin: )"u khi nh7n /c b,i th&ng c!" cEt9 bh2 ng&i /c bh )F khEng mong mu-n ti+; tPc i kin ng&i c t$ch nhim vA ni /c tin b,i th&ng c!" bn th X n9 "nh t" ;hi b,i hon %i cho cEng t9 'h.

=iu kin:> #h+ qu9n ch? ; 4Png t$ong h/; ,ng b,i th&ng: % h/; ,ng bo him gi0 ng&i

bo him v ng&i bo him ;hi % h/; ,ng m bo cho tSn th3t v mt ti ch


3/18

=-i t/ng % con ng&i: bo him nh8n thR2 t$ch nhim 48n )*M. =-i t/ng % t$ch nhim: bo him t$ch nhim 48n )* c!" ch! tu

f. #$Anh b9 ngu9n tc %/i Nh/c im: bin ;"h;) n9 clng khEng ngJn ngJn ngw" /c h+t $!i $o L9 $" #* khc ;hPc $!i $o

> 'in ;h; n9 th hin ch cc cEng t92 c nh8n 4* t$0 m(t khon tin nh3t Dnh kc $!i $" L9 $" thA 4Tng khon tin bT J; kh; ;hPc h7u qu> Nh/c im: _ khEng ;hi tS chc h"9 c nh7n no clng c )yn tin 4* t$0

_ tin 4* t$0 n9 khEng ! bT ; -i vi nh0ng tSn th3t %n_ g89 Rng vEn

Chu9n nh/ng $!i $o> s(t cEng t9 h"9 m(t c nh8n khi th39 mAnh khEng th chDu *ng /c m(t hoc nh

$!i $o %n2 c t


4/18

> }u im: ;hm vi bT J; $(ng %n2 c th bT ; nh0ng $!i $o %n~. h8n t CEng t9 bo him ch? nh7n bo him cho nh0ng )* c-2 t"i nn2 t"i hR"2 L9 $" m(t c

b3t ng&2 ngu nhin2 ngoi mu-n c!" cong ng&i ch khEng bo him cho nh0ng $!ichc chn L9 $"2 ng nhin L9 $"2 c th %&ng t$c /c.

Ngu9n tc t$ung th*c tu9t -i> Q"i bn c!" m-i qu"n h bo him ;hi tu9t -i t$ung th*c vi nh"u2 tin tng %n nh

khEng /c %w" 4-i nh"u2 n+u c m(t bn vi ;hm h/; ,ng thA bo him ko cn hiu %> Ng&i bo him ;hi cEng kh"i tu9n b- nh0ng iu kin2 ngu9n tc2 th %2 gi c b

him cho ng&i /c bo him bi+t2 khEng /c nh7n bo him khi -i t/ng bo hi+n ni "n ton

> Ng&i /c bo him ;hi kh"i bo ch Ng&i bo him ;hi b,i th&ng khEi ;hPc %i kh nJng ti ch


5/18

sPc #hin t"i: nh0ng $!i $o m con ng&i ko chi ;h-i /c : b5o2 %l %Pt2 (ng 3t> H!i $o ch


6/18

_ mc cn_ch9_m3t t H!i $o ;hP: % nh0ng thit hi 4o nh0ng $!i $o khEng thu(c $!i $o ch H!i $o 4o cc hin t/ng ch H!i $o thEng th&ng /c bo him: nh0ng $!i $o /c bo him m(t cch bAnh th&

thOo cc iu kin bo hOiO$m g-c 2'2C g,m $!i $o ch H!i $o ;hi bo him $ing: nh0ng $!i $o mu-n /c bo him thA ;hi th6" thu7n th

iu khon $ing ch ko /c b,i th&ng thOo iu khon g-c nh % chi+n t$"nh2 AcEng

> H!i $o ko /c bo him: % nh0ng $!i $o khEng /c ng&i bo him nh7n bo hihoc % khEng /c ng&i bo him b,i th&ng t$ong mRi t$&ng h/;. % nh0ng $!ing nhin L9 $"2 chc chn L"9$ $"2 Yn t2 n(i t

X. H!i $o ;hP t$ong bo him hng h" v7n chu9n b@ng &ng bin % gA2 b"o g,m nh0ng $!inh th+ no[ H!i $o ;hP % nh0ng $!i $o


7/18

1X.Qnh vi c 1Z.a" 7;1p.i"o hng thi+u o$ ko gi"o hng

Z. #$Anh b9 $!i $o %oi t$w t$ong bo him hng h" chu9n ch b@ng &ng bin thOo ICC 1~ H!i $o /c %oi t$w thOo ICC 1~ j iuB

> 'uEn %7u> ri c!" ng&i /c bo him> Yn t> n(i t> tu khEng ! kh nJng i bin> m3t kh nJng ti ch Q9 )inh hoc chi ;h< ;hi c bit2 ;hi th&ng


8/18

> #"i hR" th*c )* L9 $" v nghim t$Rng> s3t mt2 thit hi hoc chi ;h< ;hi % h7u qu t$*c ti+; c!" hnh (ng tSn th3t chung> `* c- L"9 $" t$n bin

## $ing % nh0ng thit hi2 m3t mt c!" -i t&ng bo him 4o m(t $!i $o b3t ng& 2 ngnhin g89 $".

. h8n t 'X: L t % ng g;

> 'Z: L )- tin ng g;> 'p: k+t ton tc11.h8n bit tSn th3t chung v tSn th3t $ing2 cho v< 4P minh hR".1.#$ch nhim c!" cc bn %in qu"n khi L9 $" tSn th3t chung % gA[1X.ru7t % gii qu9+t v3n tSn th3t chung. Nh0ng )" Si c bn c!" qu9 tc o$k nt{O

ddZ )o vi cc qu9 tc t$c .> u9 tc v ##C %]n ]u tin /c k k+t ti o$k j1~fZB> u9 tc o$k nt{O$; 1Z> Cc bn )" Si bS )ung c!" qu9 tc t$n nJm 1pd21Z21d21Z2 v ddZ

#h"9 Si t$ong qu9 tc ddZ:> #h"9 Si qu9 tc aI: chi ;h< cu nn )F ko /c t roi b6 ngu9n tc : ch? c cc h9 )inh v chi ;h< c ti+n hnh vA )* "n ton chung

t


9/18

1Z.h8n t Qng h" v7n chu9n b@ng &ng bin th&ng chDu nhiu $!i $o> #$ch nhim c!" ch! tu hn ch+ v khi+u ni b,i th&ng $3t kh khJn> su" bo him mi bo v /c %/i N\i %" ;hun2 (ng 3t2 %l %Pt> #Sn th3t c!" b3t kA kin hng no bD $i $" 4o b-c L+;> Nc )Eng2 h,2 nc bin t$n vo tu2 h]m hng2 kho ch"> Nc cu-n kh6i tu

1~.hm vi t$ch nhim bo him thOo iu kin C ICC 1~. H!i $o c bo hOiOm$:

1. sc cn2 m ch928m v". hng ti cng %nh nnX. hng tin v7n chu9n &ng b( bD %7t S o$ %7t bnhZ. Chi ;h< ##C v chi ;h< h/; % khc

p. NOm4 hng $" kh6i tuf. s3t t H $? thEng th&ng2 h"o hPt thEng th&ng v kh-i %/ng2 )- %/ng2 h"o mn t* nhin c

hng h"> s3t mt2 h h6ng v chi ;h< 4o b"o bA khEng ]9 ! o$ ko th s3t mt2 h h6ng v chi ;h< 4o n(i tA2 hoc Yn t

> s3t mt2 h h6ng v chi ;h< 4o ngu9n nh8n ch7m t$U mc 4T ch7m t$U % 1 $!i $o c bh


10/18

> s3t mt2 h h6ng v chi ;h< 4o tAnh t$ng thi+t hPt ti ch #u khEng ! kh nJng i bin> Chi+n t$"nh2 Anh cEng

1.#$Anh b9 ;hm vi t$ch nhim bo him c!" ng&i bo him thOo h"i iu kin bo him bit c!" ICC 1~. 'o him chi+n t$"nh:

"B H!i $o: > chi+n t$"nh2 nSi %on2 n(i chi+n2 khi nghG" h"9 b3t kA hnh (ng thT Dch ng89 $" bi h"9 ch-ng %i th+ %*c th"m chi+n

> 'D bt gi02 chi+m ot2 tDch thu2 v h7u qu c!" ch\ng> 'om2 mAn2 ng %Ei o$ vl kh< chi+n t$"nh cn Lt %i

bB #h&i hn : bo him $n"9| ch? c hiu %*c khi ton b( -i t/ng bo hOiO$m o$ m(t ;hbo him c L+; %n tu v k+t th\c:

> =-i t/ng bo him o$ m(t ;h]n c 4 kh6i tu bin ti cng o$ ni 4 hng cu-i cTghi t$n h/; ,ng hoc

> 1p ng9 k tw n" m c!" ng9 tu +n cng ni 4 hng cu-i cTng. #u9 nhin n+u

cng 4 cu-i cTng tu %i ch9 ti+; ko 4 hng thA bo him c hiu %Pc %\c tu ch9 vk ;hi thEng bo cho ng&i bo him

d.#$Anh b9 iu khon bo him tw kho +n kho t$ong bo him hng h" v7n chu9n b@&ng bin=iu khon bo him tw kho +n kho" qu9 Dnh v mt khEng gi"n v th&i gi"n ng&i bhim chDu t$ch nhim v hng h"

> u5ng &ng tw cng +n kh: bh chDu t$ch nhim t$ong vng fd ng9> 'h )F h+t hiu %*c tT9 thu(c 1 t$ong iu kin:

1. Qng 5 c cho vo kho "n ton. `"u fd ng9 k tw khi 4 Long

$ong :> Kho i: % ni m hng h" 5 /c ng gi 1 cch hon ch?nh ch& L+; %

;hng tin v7n chu9n &ng b(2 &ng )Eng VW m"ng $" cng bin o$ kho /c gt$n h/; ,ng

> Kho +n: % kho cu-i cTng thu(c qu9n ) h0u hoc qun % c!" ng&i c bo himkho n@m ngoi hnh t$Anh v7n chu9n bt c!" c!" tu

1.Cc %oi h/; ,ng bo him hng h" v7n chu9n b@ng &ng bin.

.s(t %E hng ;h8n bn2 ch! hng ch? mu-n bo him hng bD t nc bin. 'n t v3n cho chng nn mu" bo him nh th+ no[ Q59 gii th


11/18

> #hOo ICC 1~2$!i $o c; bin /c L+; vo nhm $!i $o ;hP vA th+ ch? c iu kin bhim 2 $!i $o n9 mi /c bo him

Z.`o )nh n bo him v gi39 chng nh7n bo him hng h" v7n chu9n b@ng &ng bin. i-ng nh"u: u % b@ng chng c!" m(t h/; ,ng bo him Khc nh"u:

_ QAnh thc: n bo him ]9 ! hn gi39 chng nh7n bo him2 b"o g,m mt t$v )"u

_ N(i 4ung:"B =n bo him: st 1: ghi cc chi ti+t v hng h"2 tu2 hnh t$Anh2 ng&i bo him v ng&i /c b

him vi n(i 4ung )"u:> #n2 D" ch? c!" ng&i bo him v ng&i /c bo him> #n hng2 )- %/ng2 t$Rng %/ng2 )- v7n n> #n tu2 ng9 khi hnh> Cng i2 cng +n2 cng chu9n ti> i t$D bo him2 )- tin bo him> =iu kin bo him

> # % bo him2 ;h< bo him st : ghi cc qu9 tc2 th % bo him c!" cEng t9 bo him c %in qu"n

bB i39 chng nh7n bo him: c LOm nh % m(t n bo him vn tt ch? c n(i 4ung nh mm(t c!" n bo him

p.#$Anh b9 b( h, ) khi+u ni ng&i bo him t$ong 'Q hng h" v7n chu9n b@ng &ng bin#$ %&i:> = c th khi+u ni ng&i bo him thA ng&i /c bo him ;hi chng minh c:

"B Ng&i khiu ni c %/i


12/18

bB N+u b,i th&ng hng thi+u ngu9n kin> 'ng k+t ton nh7n hng vi tu> i39 chng nh7n hng thi+u> K+t ton %i c!" cng2 n+u c

cB N+u i b,i th&ng tSn th3t chung:> aJn bn tu9n b- tSn th3t chung c!" thu9 t$&ng j g" 4Oc%"$"tion %OttO$B> 'n t ',i th&ng b@ng tin ch khEng ;hi b@ng hin v7t. ,ng tin b,i th&ng % ,ng tin

th6" thu7n t$ong h/; ,ng2 n+u khEng c th6" thu7n n(; ;h< b@ng ,ng tin no thA bth&ng b@ng ,ng tin .

> a ngu9n tc2 t$ch nhim c!" ng&i bo hOiO$m ch? gii hn t$ong ;hm vi )- tin bhim. tu9 nhin2 khi c(ng tin tSn th3t vi cc chi ;h< cu h(2 gim Dnh2 chi ;h< nh gi

bn %i hng h" bD tSn th3t2 chi ;h< i ng&i th b" b,i th&ng2 tin ng g; tSn t

chung thA 4T c v/t qu )- tin bo him thA ng&i bo him vn ;hi b,i th&ng> Khi th"nh ton tin b,i th&ng2 ng&i bo him c th kh3u t$w nh0ng khon thu nh7; c

ng&i /c bo him t$ong vic bn %i hng h" v i ng&i th b" Cc t N+u ko c )* tw b6 hng hoc tw b6 nhng ko c ch3; nh7n thA ch? /c b,i th&ng nh tth3t b( ;h7ncB #Sn th3t b( ;h7n:

ja1>aBa1 L a1: gi t$D hng h" khi ch" bD tSn th3ta: gi t$D hng h" )"u khi bD tSn th3t

> ',i th&ng tSn th3t 4o S v2 h h6ng2 thi+u hPt2 gim ;hYm ch3tMc bin bn gim Dchng minh thA )- tin b,i th&ng mL j m % mc gim gi t$D thng mi t$ong bin bgim DnhB. N+u ko c bin bn gim Dnh m ch? ghi )- %/ng2 t$Rng %/ng hng h"thi+u hPt VW )- tin b,i th&ng ##1 Lj #1: t$Rng %/ng hoc )- %/ng hng h"

thiOOut) hPtB> ',i th&ng m3t ngu9n kin: n+u kin hng c n gi thA )- tin b,i th&ng b@ng )- kin

m3t nh8n n gi4B ',i th&ng cc chi ;h Chi ;h< t- tPng v ;hng tSn th3t % chi ;h< /c chi $" nh@m ngJn ngw" %m gim tth3t hoc bo v qu9n %/i c!" hng h" bo him hoc chi ;h< %in qu"n +n vic ng&i th b" b,i th&ng

> Chi ;h< gim Dnh tSn th3t thu(c t$ch nhim bo himOB ',i th&ng tSn th3t chung:


13/18

> Q9 )inh tSn th3t chung: ton b( h"9 m(t ;h]n c!" %E hng bD h9 )inh cu tu v cEng nh7n % tSn th3t chung thA ng&i bo him b,i thng gi t$D 5 h9 )inh

> =ng g; tSn th3t chung: t$n c ) ;h8n bS tSn th3t chung 4o % ton ) %7; nn thA ngbo him )F b,i th&ng ;h]n ng g; c!" ch! hng vo tSn th3t chung

.'o him th8n tu % gA[ =-i t/ng bo him t$ong bo him th8n tu[ `* c]n thi+t c!" bhim th8n tu[

'o him th8n tu % bo him nh0ng $!i $o v7t ch3t L9 $" -i vi v6 tu2 m9 mc thi+t bD t$n tu ,ng th&i bo him cc ;h Ng9 n"9 cc con tu /c t$"ng bD $3t hin i nn kh khc ;hPc /c cc )* c- t$n bi

kh nJng $!i $o bD 4wng hnh t$Anh % $3t %n VW tSn th3t %n> Qot (ng c!" con t"u t$n bin t$ong qu t$Anh kh"i thc $3t 4U g89 tSn th3t cho ng&i kh

v ch! tu ;hi chDu t$ch nhim -i vi nh0ng tSn th3t ~.Cc %oi h/; ,ng bo him th8n tu[ `* khc nh"u gi0" cc %oi h/; ,ng n9.

#$ %&i:> 'o him th&i hn th8n tu: bo him th8n tu t$ong 1 th&i gi"n nh3t Dnh2 th&ng %

thng hoc 'o him chi ;h< th8n tu: bo hOiO$m cc chi ;h< c!" 1 con tu t$ong 1 hnh t$Anh nh3t

b"o g,m t$"ng thi+t bD2 v7t ;hYm cung ng2 tin %ng ng t$c cho ) qu"n th!9 th!

> 'o him chu9+n: bo him cho 1 cong tu t$ong 1 hnh t$Anh tw 1 cng ng9 +n cng khv bo him cho 1 chu9+n kh h,i VW ) 4Png bo hOiO$m cho tu mi ng Lu3t khhoc tu i )" ch0"

> 'o him $!i $o ng&i ng tu: ng&i mu" bo him % ng&i ng tu2 bo him cho ctu tw %\c bt ]u ng cho +n khi gi"o Long2 khEng ch? bo him cho v7t ch3t c!" tu mcn bo him cho v3n kh"c )nhu{ : bh gin on )n Lu3t2M

> 'o him chi ;h< : cc chi ;h< hot (ng c!" tu> 'o him chi+n t$"nh2 Anh cEng

.hm vi t$ch nhim bo him v mt khEng gi"n v th&i gi"n -i vi twng %oi h/; ,ng bhim th8n tu.#$ %&i: c %oi h/; ,ng bo him th8n tu ch 'o him c hiu %*c tw Zh c!" ng9 k k+t +n h+t Zh c!" ng9 c hiu %*c2 khi nim

4o bn th6" thu7n2 c th % gi& D" ;hng o$ gi& qu-c t+> N+u h+t Zh c!" ng9 h+t hn m tu ch" v +n cng thA )F ch& cho +n khi tu nOo 7u

ton ti 1 cng no hoc cng +nbB 'o him chu9+n:> 'o him c hiu %*c khi tu nS nOo v k+t th\c )"u Z h khi tu th nOo "n ton ch&

hng ti cng +n


14/18

>

Xd.Cc $!i $o /c bo him thOo cc iu kin bo him c!" I#C 1p.X1.N(i 4ung c!" cc iu kin bo him th8n tu thOo I#C 1p.X.N(i 4ung c!" iu kin bo him tSn th3t ton b( #r I#C 1p.j tot"% %o)) on%9B

#$ %&i: ch? bo him cho nh0ng tSn th3t ton b(j th*c t+ v c t Ch92 nS> #$(m c; tw ngoi tu2 vt hng Luoogn) bin> C; bin> =8m v"2 (ng 3t2 n\i %" ;hun2 )t nh> Chi ;h< cu nn

XX.N(i 4ung c!" iu kin bo him miUn tSn th3t b( ;h7n ^ "b) I#C 1p.j |$OO o| 4"m""b)o%utO%9B#$ %&i: % iu kin bo him %oi t$w cc tSn th3t b( ;h7n. thOo khEng bo him tSn th3t

;h7n2ch? bo him :> #Sn th3t ton b( th*c t+: m chAm2 h6ng ton b(

> #Sn th3t ton b( c t Chi ;h< cu nn> Chi ;h< bo t,n2 t- tPng> #$ch nhim 8m v" j ch? c tw t$ iB> Chi ;h< ng g; tSn th3t chung

XZ.N(i 4ung c!" iu kin bo him miUn tSn th3t $ing ^"b) I#C 1p.j |$OO |$om ;"$ticu"vO$"gO "b)o%utO%9B#$ %&i:

Xp.N(i 4ung c!" iu kin bo him mRi $!i $o H I#C 1p.Xf.Khi t"i nn 8m v" L9 $"2 ng&i bo him th8n tu ;hi c t$ch nhim -i vi cc tSn th

thit hi no c!" tu /c bo him.#$ %&i: t$ong t"i nn 8m v"2 )F c X t$&ng h/;2 bn c %i hon ton2 m(t ;h]n hoc khEc %i. #$ong t$&ng h/; c %i hon ton VW khEng b,i th&ng2 khEng c %i VW b,i th&ng c

bn . #" )F ;h8n t Ch? chDu t$ch nhim -i vi nh0ng thit hi v7t ch3t th8n tu j ko chDu t$ch nhim vi hh"2 cong ng&iB ai tu ' j tu bD 8m2 ko /c bhB:

> 'o him bn ch? b,i th&ng th"9 cho bn ;hn t$ch nhim 8m v" ;ht )inh vi tu

nhng ch? gii hn t$ch nhim 8m v" ;ht )inh v ko v/t qu )- tin b"o $hiOOm$X.h8n t


15/18

#hit hi tu #" #b#hit hi hng Q" QbKhi c thit hi hng 2 ch! hng ko th i /c tu " vA iu ch! tu " th&ng /c mit$ch nhim thOo %u7t hoc qu9 Dnh Dnh c!" h/; ,ng v7n chu9n VW ch! hng i ch! t' thit hi hng h" 2 ch! hng ' b,i th&ng tSn th3t cho ton b( hng h" 2 )"u qu)"ng i ch! tu pd t$ch nhim tSn th3t c!" hng h" 2 ch! tu )F i %i pd t$nhim tSn th3t hng tw ;h Qng /c b,i th&ng:

pd tw ch! tu ' : pdLZdddddd j t$ong 39 thA bo him tu ' ng g;: dddLXZ2t* chDu B

'o him hng h" b,i th&ng : pdLZdddddd> Qng b /c b,i th&ng:pd tw ch! tu

Zd.#hOo ngu9n tc t$ch nhim cho2 cc ch! tu )F chDu t$ch nhim b,i th&ng tSn th3t thit hcho nh"u nh th+ no[ Cho v< 4P minh hR".

Z1.=Dnh nghG" v c im c!" bo him I[Z.h< bo him th8n tu ;hP thu(c nh0ng 9+u t- gA[ Qon ;h< bo him t$ong bo him th8n t

/c th*c hin nh th+ no[ZX.h8n bit t$ch nhim c!" bo him th8n tu v bo him I t$ong t"i nn 8m v" c!" t

/c bo him.ZZ.#$Anh b9 t$ch nhim 48n )* m ch! tu ;hi gnh chDu t$ong qu t$Anh kinh 4o"nh kh"i th

tu.Zp.#$Anh b9 )* hAnh thnh cc h(i bo him I v cc ngu9n tc hot (ng c!" h(i.Zf.h8n t


16/18

> Chi ;h< c]n thi+t v h/; % t$ong t$&ng h/; khYn c3; m ng&i /c bo him 5 ;hi ch4o cc hnh vi 5 ;hi chDu nh@m bo him "n ton cho m9 b"9 nh c- g89 h6ng ho

;hi bt bu(c h cnh nhng t-i t" ko v/t qu" 1d gi t$D bo him c!" chi+c m9 b"9 > Chi ;h< gim Dnh tSn th3t thu(c t$ch nhim bo him roi t$w $!i $o:> #$&ng h/; h"o mn t* nhin2 gim 4]n ch3t %/ng2 g89 v2 h6ng hc hoc t$Pc t$c L9

bn t$on gb""t) kA b( ;h7n no c!" m9 b"9 clng nh h7u qu 4o nh0ng hin t&ng vw" nt$ong ;hm vi b( ;h""nx4 4 g89 $"

> #$&ng h/; h h6ng L9 $" -i vi b3t kA b( ;h7n no 4o nh0ng v7t c tc 4Png ;h h!9 44]n2 %8u $" g89 $"

> N+u cc t$&ng h/; vw" nu t$n g89 $" t"i nn b3t ng& -i vi m9 b"9 thA )F /c bth&ng thOo ton b( cc iu khon c!" k

. #$Anh b9 cc $!i $o /c bo him t$ong bo him t$ch nhim 48n )* c!" h5ng hng khEng vi hnh khch2 hnh %2 t t$"ng v hng h" thOo #C 11.#$&ng h/; /c bo him:

Nh0ng khon tin m ng&i /c bo him ;hi b,i th&ng thOo ch+ ( t$ch nhim 48n4o:

> 89 thng vong j ch+t hoc bD thngB cho hnh khch khi hR t$ong m9 b"92 "ng h"o{xc "ng Lu-ng

> rm m3t hoc h h6ng hnh % n ;h< 48n )* v cc chi ;h< c]n thi+t h/; % 5 th6" thu7n b@ng vJn bn -i vi ng&i bo him

> Chi ;h< gim Dnh tSn th3t thu(c t$ch nhim bo himX. #$Anh b9 cc $!i $o %oi t$w chung t$ong bo him hng khEng thOo #C 11.

1. s9 b"9 /c 4Tng vi mPc


17/18

1d.s9 b9 /c v7n chu9n b@ng b3t kA ;hng tin no t$w t$&ng h/; b3t kh hng j hqu c!" 1 vP t"i nnB

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khi:_ m9 b"9 t$ v "n ton_ ti )8n b"9 thu(c ;hm vi D" % t$ong gi39 chng nh7n bo him_ )8n b"9 th #Sn th3t h"9 chi ;h< 4o n(i tA h"9 bn ch3t c!" -i t/ng bo him

> #Sn th3t h"9 chi ;h< ;ht )inh tw )* khEng ;hT h/; c!" m9 b"9> s3t mt2 h hi h"9 chi ;h< 4o ch7m t$U g89 $" bi m(t $!i $o /c bo him> Ch7m t$U 4T 4o m(t $!i $o /c bo him g89 $"> Q5ng hng khEng khEng ! kh nJng ti ch Chi+n t$"nh2 Anh cEng2 n(i chi+n2 cch mng2 ) 4Png vl kh< ht nh8n ngu9n t h"9 kh!

b- v ch


18/18

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. H!i $o c bn /c bo him t$ong bo him h6" hon v cc $!i $o c bit % nh0ng $!i $o nth+ no[

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