LUt 1? DO! WIT !MACH HANG Kifi THAM GIA HIEM LIEN KET CHUNG THU! MN 20 NAM — PHI MOT LAN — KE HO3CH MU TI!

San phAm bao hiem ien ket chung deng phi linh hoat caa Cong ty TNHH Manulife (Viet Nam) ("Cong ty") dirge phe chuAn theo c6ng vAns6 8443/BTC-QLBH ngay 16/07/2018caa 136 Tai chinh. Khi tham gia San phAm bao hiem Lien Ket Chung Thai Han 20 Nam — Deng phi met In

— K hoach Mu tu neu tren, d nghi Ichkh hang d9c va km y met s6 diem sau:

DQC k Quy tat, Dieu khoan truk khi tham gia San phAm bao hiem Lien Ket Chung Thai Han 20 Nam — Deng phi met Ian — Ke hoach Mu tu va km 9 met s6 nei dung sau:

1.1 Nghla cua nhang talcam tir viet hoa dugc din giai tai Pim Lac 1 dinh kern Quy the, Dieu khoan san phAm.

1.2 Ben mua bao hiem c6 the hay help deng trong yang 21 (hai muai miSt) ngay ke tir ngay Ben mua bao hiem nhk dugc Hop Deng, va nhAn lai phi bao hiem eta clang theo quy dinh tai Dieu 12 dm ligp Deng.

1.2 Ben mua bao hiem can phai clang phi bao hiem nhu dugc quy dinh tai Dieu 17.

1.3 Cac twang hgp giori han bao hiem ma theo d6 Cong ty s'd Ichong chi tra quyen Igi bao hiem quy dinh tai Dieu 8 dm Hgp Deng.

1.4 Cac loai phi dugc quy dinh tai Dieu 18 cila H9p Deng.

Viet tham gia cac san phAm bao hiem be trg la khong btu buec. Ben mua bao hiem co quyen yeu cau huy bdo ck san phAm bao hiem be trg. Ben mua bao hiem can km / cat dieu khoan logi trCr quy dinh danh rieng cho quyen Igi bao hiem be trg.

Khi tham gia bao hiem, phai km gia cat chimg tir lien quan den h9p deng bao hiem day

That hien ke Ichai th6ng tin trung that va th6ng bao {chi cdp thay dei cat thong tin lien quan den Hap thing bao hiem theo quy dinh tai Dieu 13 va Dieu 20 dm Hgp Deng. Viet ke khai th6ng tin khang trung thac ye sac Ichee va tien sir benh së clAri den rai ro khach hang Ichong dugc Cling ty chi tra quyen Igi bao hiem caa sari phAm.

MVC LVC QUY TAC, DIEU KHOAN

SAN PHAM BAO MEM LIEN KET CHUNG THth HAN 20 NAM — BONG PHI MOT LAN — ICE HOACH MU

A. PHAN NOI DUNG

CHUONG I: QUYEN LQI BAO HIEM 1

DIEU 1: QUYEN L01 BAO HIEM THUONG TAT TOAN BO VA VINH VIEN 1

DIEU 2: QUYEN LQI BAO HIEM To- VONG 1

2.1 Quyen Igi bac) him ta vong: 1

2.2 Quyen Igi bao hiem tt vong do Tai Nan: 2

2.3 Quyen lqi danh cho ngtrai kheing hat thutic la: 2

2.4 Quyen lqi trq cap mai tang: 2

DIEU 3: MCC DIEU CHINH TRONG TRUONG HOP NGUQI Duoc BAO MEM LA TRE EM 3

DIEU 4: QUYEN LQI DUY TR1 HOP DONG 3

DIEU 5: QUYEN LO! DAM BAO HIEU WC HOP DONG 4

DIEU 6: QUYEN LQI DAO HAN 4

DIEU 7: QUYEN LQI DAU TU 4

DIEU 8: BAO HIEM TAM THOI 5

DIEU 9: GIOI HAN P1-TAM VI BAO HIEM 6

9.1 D6i vai Quy'en Igi Mo hiem tfr vong • 6

9.2 Doi voi Quyen lqi bao him tir vong do Tai Nan. 6

9.3 Doi \fad Quyen lgi bao hiem Thuang T#t Toin B Va Minh Van. 7

CHIAING II: THONG TIN VE QUI. LIEN KET CHUNG VA QUYEN LQI MU Tlf 7

DIEU 10: THONG TIN VE CO CAU VA HOAT DONG CCJA QUt LIEN KET CHUNG 7

DIEU 11: GIA T12.1 TAI KHOAN HOP DONG 8

CHIYONG III: CIA! QUYET QUYEN LQI BAO HIEM — Gal QUYET MAU THUAN VA TRANH CHAP — CHAM DUI HQ? BONG BAO HIEM 9

DIEU 12: THtJ' TUC GIAI QUYET QUYEN LQI BAO HIEM 9

12.1 Thai han nOp you cAu giai guy& quyen Igi bao hiem 9

12.2 Chang tir you cAu giai quyet quyen Igi bao him 9

12.3 Thai gian giai quyet quyen lgi bao hiem 10

•

CHITONG Iv: CAC QUYEN CIJA BEN MUA BAO HIEM 10

DIEU 13: THOI GIAN CAN NHAC 10

DIEU 14: CAC THAY DOI LIEN QUAN DEN HOP DONG 10

14.1 Thay dei thong tin Gila Hy!) Deng: 10

14.2 Thay doi cy the lien quan den Ngtrai Duce Bao Hiem 10

14.3 Thay dei Ben Mua Baia Hiem 11

DIEU 15: TAM ONG TO. G1A TR1 TAI KHOAN HOP BONG 12

DIEU 16: ROT GIA TRI TAI KHOANHQP BONG 12

DIEU 17: CHAM DOT HOP DOING TRY& THO1 HAN 12

CHITO'NG V: PHI BAO HIEM VA CAC ICHOAN PHI LIEN QUAN DEN HOP HONG BAO HIEM 13

DIEU 18: PHI BAO HIEM 13 4.

18.1 Phi Bao Hiem Ca Ban 13

18.2 Phi Bao Hiem Deng Them 13

18.3 Gia han dong phi bat) hiem vã Mat hieu Ittc Hcp Deng 13

DIEU 19: CAC KHOAN PHI LIEN QUAN DEN HOP DONG 14

CH1LiONG VI: QUY DINH CHUNG 15

DIEU 20: NGHTA VkJ CUNG CAP VA BAO MAT THONG TIN COA CONG TY 15

DIEU 21: NGHTA VI) ICE KHAI TRUNG THVC COA BEN MUA BAO HIEM VA NGVOI DUOC BAO HIEM 16

DIEU 22: TRUONG HOP ICE KHAI SAI TUOI VA/HOAC GIdI TiNH 17

DIEU 23: MIEN TRUY XET 17

DIEU 24: NGUOI THIJ EILTONG 17

DIEU 25: CHAM DOT QUYEN LOI BAO HIEM vet CHAM DOT HOP BONG 18

DIEU 26: GIAI QUYET MAU THUAN VA TRAM! CHAP 19

B. PHU LUC 1— PHAN DINH NGHTA

QUY TAC, ortu ICHOAN

SAN PHAM BAO HIEM LIEN KET CHUNG THOT HAN 20 NAM —

BONG PHI MOT LAN — KE ROACH RAU TU.

(Ban hanh kern theo c6ng van se 8443/BTC-QLBH ngay 16/07/2018 BO Tai chat)

A. PHAN NO! DUNG

CHUONG I: QUYEN LQI BAO HIEM

Trong thai gian Hap Deng ca hieu lye, cac quyen lqi neu tai Chtrong nay se dugc Cong Ty xem xet chi tra cimg yeti Mc dieu khoan va dieu kien tuang ang.

DIEU 1: QUYEN LI BAO HIEM THITONG TAT TOAN BQ VA VINH VIEN

1.1 Neu Ngtrai Dugc Bao Him bi Thuong Tat Toan BO Va VIM Vin, Gang Ty se xem xet chi tra quyen Igi Thuang Tat Toan Be VA Vinh Vin la teng Ma:

SO tien Ian hcrn giaa Se Tien Bao Hiem va gia tri TM Khoan Ca Ban tai thai diem Cong Ty chAp nhan chi tra quy'en Lai Thucmg Tat Toan BO VA Vinh Vin; va

Gia tri TM Khoan Bong Them.

Hop Deng chain dirt ti thai diem Clang Ty chap nhan chi tra Quyen Igi Thucmg Tat Toan BO Va Minh Vien.

1.2 Cham dirt quyen lqi Ngoai nhang twang hop chant dirt quyen Igi bac) hiem da nett tai Hop Deng, Quyen loi bao hiem Thucmg Tat Toan BO VA Vinh Vin neu tai Dieu 1 nay chAm dirt khi Ngtrai Dugc Bao Hiem dat bay mtrai (70) Tuei.

DIEU 2: QUYEN LQ1 BAO HIEM TO' VONG

2.1 Quyen lqi bao him vong:

Neu Ngtrai Duct Bao Hiem tir vong, C'eng Ty se xem )(et chi tra quyen Iqi bao hiem tir vong là teng

stS tien lam hon gitra Se Tien Bao Hiem va gia al TM Khoan Ca Ban tai then diem Ceng Ty than dugc yeu au giai quyet quyen lgi tir vong; va

Gia ul Tai Khoan Deng Them.

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2.2 Quyen Igi bao him tir vong do Tai Nan:

Ngoai quyen lgi bao him tir vong neu tai Diu 2.1, nu Ngtrai Duce Bao Hiem ta vong do Tai Nan tnnac khi Ngtrei Dtrgc Bao Hiem dat bay myth (70) TuOi va thuOc meot (01) trong ck twang hgp sau, Gong Ty se xem xet chi tra them:

a) Ba tram plan tram (300%) SO TIM Bao Hien; neu Ngtrai Dugc Bao Him hi tf vong do tai non may bay khi dang la hanh khach c6 mua ye tren met chuyen bay thuang mai;

Hok:

b) Hai tram phan tram (200%) S6 Tien Bao Him, neu Ngtrai Dugc Bao Him bi th vong do Tai Nan kluing thuOc truerng hgp (a) va thuOc met trong cac twang hcop sau:

Ngueri Duce Bao Hiem bi tir vong do tai nan giao th6ng khi dang la hanh khach c6 mua ye tren cac Phucrng Tin Giao Thong C8ng COng; hoc

Nstrai Dugc Bao Hiem bi tit vong do tai non thang may khi dang di chuyen bang Than May (ngoai ter nhang nguti dang lam nhiem va sira chila/bao tri Thang May); hoc

Ngtren Dago Bao Him bi tCr vong do hall qua true tip dm hem hoan xay ra tai ck Toa Nha C8ng COng.

Hoac:

c) Met tram phan tram (100%) sia Tien Bao Him, neu Nguori Dugc Bào Him bi tr vong do Tai Nan thong thuec hai trueng hp a) vl/hoac b) neu tren.

2.3 Quyen Igi dAnh cho nguiri kh8ng hat thu6c la:

Neu dugc Gong Ty chap nhan chi tra Quyen 191 bao hiem tfr vong va/hok Quyen Igi bao hiem ter vong do Tai Nan quy dinh tai Dieu 2.1 va/hoac Dieu 2.2, Ceng Ty se chi tra them awed phan tram (10%) SO Tien Bao Hiem neu: (i) tai then diem tfr vong, Nguai Dugc Bao Hiem t& da mutri lam (15) Tu6i he ten; va (ii) dugc xac dinh IA ngtrai kitting hat thuOc la trong suet Thai Han H9p Deng.

2.4 Quyen Ityi trq cap mai tang:

Khi nhan dtrgc yeu au giai quyet quyen Igi bao him tit vong theo Dieu 2.1 vã/hoc Dieu 2.2, Cong Ty se chi tra tnrerc cho Ngued Thu Huang Quyen Igi trg cap mai tang la st tien nhO hcm giaa: (i) 10% SO Tien Bao Hiem va (ii) 30 (ba mtrcri) trieu ding, veri dieu kien:

Sig kien tCr vong xay ra trong thai gian Hgp Deng có hieu hie va sau met (01) Mm ke tir Ngay Hieu Luc Hgp Sing; va

Nguyen nhan th vong kheng thuM nhang twang hgp duct quy dirt tai Dieu 9.1

2 / 19

va/hoAc Dieu 9.2 clued day.

Luau(' fron2 vidc xdc dinh (man bdo ham neu Igi Bib 1 vd Dan 2 tren day:

SO Tien, Bao Him va Tuei caa Ngugi Dirge Bao Hiem lam can ea' chi tra quyen Igi theo Dieu 1 la Se Tien Bao Hiem va TuOi cUa Ngtrai Dugc Bao Hiem ti thed diem Cong Ty chap nhan chi tra quyen lad bao hiem;

SO Tian Bao Hiem va Tad cüa Ngtred Dugc Bao Hiem lam can cir chi tra quyen Igi theo Dieu 2 ia s6 Tien Bao Hiem va Tuei caa Ngtred Dugc Bao Hiem tai thed diem xay ra str kin bao hiem;

Trugc khi thanh toan Quyen lgi bao hiem tir vong nlar dugc neu tai Dieu 2 tren day, Cong Ty se xem xet:

Citing: Phi Bar) Hiem Rai Ro va Phi Quart L9 Hgp Deng sau ngay xay ra sr kin tit vong dA bi trer tir Gia Tri Tài Khoan Hop Deng.

Trir di:

Ng (neu c6);

Quyen Igi trg cAp mai tang ma Cling Ty d'a thanh toan (neu c6);

Ngoai ra, Ging ty se xem xet (i) hoan lai cac khoan phi bac, hiem dA deng, khong c6 lAi, dugc np sau ngay yeti cau giai quyet quyen lgi bao hiem neu tai Dieu 2 (neu cO) va (ii) thu hei/iduiu trir tat a cac quyen Igi bao hi'em Oat sinh sau thed diem Ngued Dugc Bao Hiem tit vong ma Cong Ty cla thanh toan (neu c6) Icheng tinh mi.

rititu 3: MeC DIEU CHiNH THONG TRUONG HOP NGU'QI DOC BAD HIEM LA TEE EM

Trong twang hyp Ngugi Duce BA° Hiem la tre em dual ben (04) Tad, Se Tien Bao Hiem va/hoac mire chi tra toi da cUa timg quyen Igi neu tai Dieu Iva Dieu 2 (ngoai trir Dieu 2.3) se dugc dieu chinh tucmg ling veri timg dO Tad theo bang dual day:

Tail am Ngueri Dugc Bao Hiem

. 3.

Ty ieu l'e d chinh

Tir met (01) tilting Tuei (Mn dual 01 Tuei 20% Tir 01 Tad den duen 02 'Nei 40% Tir 02 Tuei den dued 03 Tad 60% Tir 03 Tuei den duti 04 Tutii 80%

DIEU 4: QUYEN LQI DUY TEl HQ'P HONG

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Quyen Igi Thai them chi tra Cfich thirc chi frit

SO tin chi tra

Quyen Lgi Duy Tri Hop Deng Dinh IC9

Vao m8i Ngay K9 Niem Flop Deng thir sau (06), mired hai (12) va mai tam (18) Chi tra vao Tai

Khoan Co Ban

Chin phari tram (09%) cita GM Tri Tai Khoan Ca Ban Trung Binh.

Quyen Lgi Duy Tri Ho Deng Dac Biet

Vao m6i Ney K9 Niem Hap Bong thir mtrai sau (16) den Mil hai muai (20)

MOt phan tram (01%) SO Tien Bao Mem .

GM Tri Tai Khoan Co Ban Trung Binh la gia tri (rung binh cita bay magi hai (72) gici tri Tai Khoan Ca Ban tgi bay mwai hai (72) Ngay Ntem Hang Thang gán nhat, bao gem Ngay KJ) Niem Hang Th6ng tea theri diem dang xem xet.

Quyen Igi duy tri 1-19p Deng chi clugc chi tra voi dieu kith:

Khong có giao dich Rat Gia Tri Tai Khoan Co Ban ketCr Ngay Hieu Lim Hop Deng; va

(ii) TOng so tin Tam i'ing Tit Gia Tri TM Khan Hop Deng va la; phat Sinh lien quan den khoan tam (mg khong vugt qua gia tri Tai Khan Bong Them tai thai diem xem xet.

DIEU 5: QUYEN LQI DAM BAO H1tU Ltit HQP BONG

1-19p Deng se ducrc duy tri hieu lye cho dit Gia Tri Tai Khoan Ca Ban kh8ng di) de thanh toan cac Khoan Khau Tit Hang Thang va Ng (neu co), yr% dieu kien:

Khong co bat giao dich Rat Gia Tri Tai Khoth Ca ke ttr Ngay Hith Lye Hap Deng; NIA

Tai alai diem xem xet, (i) t6ng s6 tin Tam Ling TY Gia Tri Tai Khan và lai phat sinh lien quan den khan tam Crng kh8ng vugt qua gia tri Tai 1Choan Bong Them va (ii) Hop Deng khong trong thai gian gia han dong phi nhu quy dinh tai Dieu 18.3.(a).

DIEU 6: QUYEN LQ1 DA0 HAN

Vao Ngay Dao Han, C8ng Ty se chi tra toan b6 Gia Tri Tai Khoan Hop Deng sau lchi trir Ng (neu c6).

DIEU 7: QUYEN LOI DAU TI!

7.1 Dinh k9 hang thang, cth cCr tinh hinh hoat dOng d&u tu ten thi truang tai chinh, Cong T9 se th8ng bao tren website cüa C6ng Ty mat lai sat Ming be áp dung cho cac Hcrp Bong.

(1)

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7.2 Sau Ichi ket thac men nam tai chinh, Clang Ty se' danh gia lai ket qua hoat dOng cüa Quy trong nam vim qua. Neu hog &Ong dau tu cUa Quy dat kat qua Pit hcm du kien, We la lai suat c8ng 1)6 thap hcm ket qua thuc th, Cong Ty se chi tra phan lai chenh lech vao Gia Tri Tai IChoan Ficip Deng trong nam tai chinh tiep theo, sau khi Idthu trir cac phi lien quan (neu ca).

7.3 Trong true:mg h9p hog ging dk tu cüa Quy rig ket qua thap hcm du kien, We la !Ai suet ceng b6 cao hcm ket qua thuc to, Gia Triyai Khoan I-19p Dong dm Ben Mua Bar) Hiem van gift nguyen theo mat lai suet c6ng bo ma Clang Ty da tip dyng.

7.4 Kbong ph y thuOc vao ket qua hoat Ong dau tu cUa Quy, C6ng Ty cam ket ty 14 lai suet deu Pr nhu sau:

Nam Hqp Eking LAi suit cam ket TO Nam Ho Deng dui 1 den Mm Hgp Deng thfr 5

3,0%

Tir Nam Hgp Deng thir 6 den Nam H9p Deng thir 10

2,0%

TO Mm Hgp Deng thir 11 tra di 1,0%

7.5 Lai do C6ng Ty chi tra se' dugc phan be vio gia tri tai khoan Wong img.

DIEU 8: BAO HIEM TAM THOI

8.1 Trong MIN On brio hum tent thai, neu Ngued Dugc Bao Hiem cüa san pilaw bao hiern chinh tit vong do Tai Nan, COng Ty se chi tra sO tien nh6 hem gift.:

TOng St Tien Bao Hiem cüa san pham biro hiem chinh ghi tren tht ca he so yeu eau bao hiem dang dirge xem xet cUa ding met Nguari Dugc Bao Hiem do; vit

200.000.000 (hai tram trieu) d6ng.

Quyen Igi bao hiem tam tiled se dugc chi tra cho nhang Ngutri Thy Huemg co ten trong cac HO Su You au Bao Hiem dirge el* thuan chi tra, theo each thfrcsau:

Neu Quyen Igi bao hiem tam tiled la gia tri neu tai diem (a): Ging Ty se chi tra timg SO Tien Bao Hiem tuung (mg yeti tirng He So You CAu Bao Hiem,

Neu Quy'en Igi bao hiem tam thai IA gia tri neu tai diem (b): so tien nay se cluvc chi tra theo ty 14 phi bao hiem dà deng Wang Ong gala cac He So You CAu Bao Hiem.

Neu teng phi bao hi'em d'A &mg Oa yet ca cac He So Yeu CAI] Biro Hiem dang ch6 cep Ion hcrn 200.000.000 (hai tram triOu) thing, Clang Ty sE chi tit lai tiing phi bao hiem da &rig, kh6ng co Mi.

Trong trueng hgp Cong Ty chi tra quyen Igi bao hiem tam thin, Cong Ty sE khong hoan

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lai s6 phi bao hiem da (long.

Thel hgn beio ham tgm thiri doge tinh tit }chi Citing Ty thing clau xac nhan da nhan day di' HO So You du Bao Hiem hgp 1 va da nhan doge day d6 phi bao hiem dâu tien den Ngay Cap Hgp DOng hoc ngay Ong Ty ban hanh van pan tir ch6i bao hiem hoc ngay Ben Mua Bao Hiem c6 van ban yeu cau hay al) flgp Dong, thy ngay nao den truck.

8.2 QuyenIgi bao hiem tam thoi neu tren sê kh8ng c6 hieu luc va Ceng Ty se chi tra lai phi bao hiem da doing, kiting tinh lai, sau khi da trir cdc khoan chi phi y te va chi phi ma C8ng Ty phdi thanh todn tong viec danh Agia rit ro bao hiem neu Ngtrai Duct BA° Hiem tit vong do bat k9 nguyen nhan trip tiep nào sau day gay ra:

Ty tt, dü trong tang thdi tinh tao hay mat tri; hoc

Sir dung ma tu9, chat kich thich, chat gay nghien hoac cac thirc utmg co din vi pham phdp luat hien hanh; hoac

Cac hanh vi vi pham phap luat hinh scr cüa Ngtrai Dugc Rao Hiem, Ben Mua Bao Hiem hoc coo Nguti Thu Hutmg.

Su kin clan den tir vong cUa Nguti Dugc Bao Hiem xay ra tnrec khi Mei hgn bow ham Ign: then bat dau.

DIEU 9: GIOI HAN PRAM VI BAO HIEM

9.1 Dei v6i Quyen lqi bao hiem tir vong:

Ong Ty se kh6ng chi tra Quyen lgi bao hiem tit vong theo guy dinh tai Dieu 2.1 neu Nguti Dugc Bao Hiem tfr vong c6 lien quan ttvc tiep den mOt trong cac nguyen nhan sau:

Tr tir hoc c6 hanh vi tp tir tong thoi gian 02 (hai) rift ke tir Ngay Hieu Luc H9p Deng, cho dü Nguti Dugc Bao Hiem c6 bi mat tri hay !thong; hoc

Cdc hanh vi vi pham phap luat hinh su cOa Nguti Dugc Bao Hiem, Ben Moo Bao Hiem hoc ciut Nguai Thy Hueng.

9.2 Bei vOl Quyen Iqi bao hiem tfr vong do Tai Nan:

Cling Ty se khong chi tra Quyen Igi bdo hiem tir vong do Tai Nan theo quy dinh tai Dieu 2.2 neu su kien bac) hiem co lien quan trisc tiep den met trong cac nguyen nhan sau:

Cie twang hop neu Lai Dieu 9.1; hoc

Do Noted Dugc Bao Hiem tp 9 sir dung bat k9 loai thutic kich thich, ma thy, chat gay nghien, chet dec hoc thuoc 'thong theo chi dinh cila bac SI; hoc

Do chien tranh hoc hanh Ong nao lien quan den alien tranh, dü la duqc tuyen be hay

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kh6ng duct tuyen be, tham gia lye lugng vU trang cüa bet kSr mrok nào dang cr5 chien tranh hay lire lugng dan phOng; hoc

Tham gia danh nhau, Au dã, bao loan, kheri nghTa, bao Ong dan su, bieu tinh, dinh ding hay thong be; hose

Nguai Dirge Bao Hiem bi tai nan hang khong, trir khi Nguai Dirge Bao Hiem IA hanh khach cer mua ye tren mOt chuyen bay thuang mai; hoe

Bet t6n thucmg nao cea Ngueri Dirge Bao Hiem thy ra khi c6 tinh can tra hoc chting loi viec truy bat cUa ngueri thi bath phap luat hoc do hau qua tnrc tiep hoc gian tiep cüa cac }lath vi chay xe qua tOc dO hoc uOng argil bia vugt quA mac guy dinh khi tham gia giao thong theo luat giao th8ng hien hanh; hoe

Tham gia cac boat dOng the thao chuyen nghiep MSc cac boat dOng co tinh chat nguy hiem nhu nhay dit, Leo nei, sari ban, dua xe, dua ngua, ln c6 binh Mil nen; hoSc

Berth CO San, ngogi tit nhang truang hgp da dirge ke khai va &rye sy chap thuan cüa Cong Ty; hoe

Bet tinh trang ten thuang, bong hay thucmg tat nao cUa Ngued dirge BA° him la hau qua dm viec dieu tri benh.

Lieu 0: IV& Ngteeti Duce Bao Ham tit vong thuac cac trteang hop neu tat Dais 9.1 va Dalt 9.2 neu tan, Cling Ty a chi thanh tocin Giá 74 Tai Khocin Hop Dong &we xtic dinh vao ngay Cong Ty n/ian duvc yeu eau giai quyet quyen 10 bao hiem sau khi khau trzi: t (i) clic chi phi Mac te cüa Gong Ty phea sinh lien quan den H9p Deng, (it) Quyen 191 trq cap mai tang ma Cling Ty del thanh tam va (iii) cac khain Nq theo quy dinh caa Hop 'Fang.

9.3 DOi veri Quyen lqi bao ham Timing Tht Tohn BO VA Vinh Van:

Cong Ty se kitting chi tra Quyen Igi bao him Thuong Tat Toan BO VA Vinh Vin theo quy dinh tai Dieu I neu scr kien bao him xay ra co lien quan trot tiep den mot trong cdc nguyen nhan sau:

Cac truemg kip neu tai Dieu 9.1; hoc

Cac Benh CO San, ngooi to: nhang tnrerng h9p cla dirge ke khai va dirge su chAp thuan cUa Cong Ty.

CHU'ONG II: THONG TIN YE QUI/ LIEN KET CHUNG VA QUYEN LQ1 DAU TU.

DIEU 10: THONG TIN VE CO CAU VAHOAT HONG CiJA QUI? LIEN KET CHUNG

On" Lien Ket Chung ("Quy") dirge hinh thanh tir Phi BA° Him Co Ban Dirge Phan B6 vA Phi Bao I liem Deng Them Dime Phan B6 va dirge too ra tir tat ca cac hgp deng bao

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hitm lien ket chung do Cling Ty phat hanh. Ate tieu dau tu cUa Quy IA nham muc dich dat clugc Igi nhuan clAu tu On dinh va sinh lei vol kha nang thanh khoan cao.Cac tai san tap trung cho yeti vao trai phieu chinh phü, trai phieu d8 thi, trai phieu doanh, nghiep, cac c8ng cu cCia thi truang den t va cac kenh dAu tu khac.Cong Ty do toan quyen quyet clinh chinh sach d&u tu va phuang thirc quan Iy Quy phü hgp vdri quy dinh cUa phap luat.

C6ng Ty bac, luu quyen üy thac toan be hoc bat 1(57 tharn quyen cfau tu va guy& dinh cUa Cong Ty cho bat Icy ca nhan hay te chat nth) theo cac diu kien do C8ng Ty quyet

DIEU 11: GIA TAI KHOAN HQP HONG

11.1 Gia Tri TM Khofin Co Ban

Gia trj Tai Khoan Ca Ban se thay 461 va clugc clieu chinh theo cac giao dich cüa Hcrp Deng bao gem:

Tang sau khi dugc cOng Phi Bao Hiem Ca Ban Dugc Phan B6 (nu c6);

Tang sau khi duce cOng lai phat sinh trong thang 46 can ca Idi suAt c8ng be neu tai Dieu 7.1;

Tang sau khi clugc cOng Quyen lgi duy tri Hgp Deng (neu c6);

Giam sau khi tth Khoan Khau Tr& Hang Than;

Gam sau khi trir khoan rut tir gia trj Tai Khoan Ca Ban va Phi di kern (neu c6).

11.2 Gia tri TM Khoin Doing Them

Gia tn Tài Khoan Deng Them se thay 461 va dugc dieu chinh theo the giao dich cüa Hgp Deng bao g8m:

Tang sau khi &Ong Phi Bao Hiem Deng Them Dugc Phan Bie cUa thang 46 (neu c6);

Tang sau khi dugc cOng Lai phat sinh trong ththig 46 can ca ldi slat cong be neu tai Dieu 7.1.;

Giam sau khi trir Khoan Khali Trir Hang Thang (neu gia trj Tai Khoan Ca Ban khong de de chi tea khoan tien nay va Hop Deng kh6ng CIO (lieu kin de clugc darn bao duy tri theo quy clinh tai Dieu 5).

Giam sau khi clugc tra khoan rat ta gia tri Tai Khoan Deng Them va Phi di kern (neu c6);

Hang nam, gia tri TM Khoan Ca Ban va gia tri Tai Khoan Deng Them se dirge theng bao Mn Ben Mua Bao Hiem theo quy clinh phap lust.

8 / 19

CHUONG III: CIA! QUYET QUYEN LQI BAO HIEM — CIA! QUYET MAU THUAN VA TRANH CHAP — CHAM DUI HQP HONG BAO HIEM

DIEU 12: THU TUC Gal QUYET QUYEN LQ1 BAO THEM

12.1 Thai hqn nob yin au Oil quyet quyen Içi bao him

Ben Mua Bao Him hoc Ngtrai Thy Huang c6 nghTa Nig thong bao cho C6ng ty A skr kin bao him tong thqi gian sam nhAt ke Ut khi Ben Mua Bao Him Mac Ngtrai Thy Huang biet duce sy kin bao him va cung cap cac chimg Ut theo quy dinh de giai guy& quyen lgi bao hiem.

Thai han n'Op don yeti cAu giai quyet quyen lgi bao hiem tOi Cong ty tei da la melt (01) nam, ke ta ngay xay ra sy kin bao hiem, theri gian met (01) ram nay kh6ng bao gem thai gian td hoan do cac a& ngai khach quan va sy Icien bat kha khang.

12.2 Chun tie yeti au giãi quyet quyen lqi him hiem

Tru6c }chi thanh toan quyen Igi bao hiem, Cling Ty phai nhan duce day de cac loai chang te hop Ie dugc guy dinh Lai timg quyen Igi Wong (mg nhu sau:

a) D6i vai yeu cau giai quyet Quyen Igi bao hiem tir vong:

Dan yeu eau giai quyet quyen Igi bao hiem va Clay ey quyen dugc lap theo mau cea Gong Ty; va

Giey chang ta (Ban sao c6 chang thyc sao y ban chinh cea cac ca quan c6 tham quyen); va

HO so y te, ban sao benh an c6 xac nhAn dm co sa y te dieu tri, giAy ra vin, ket qua xet nghiem, ket qua chAn dok hinh anh, giay chang nhk thucmf tich, lc& qua giam dinh y lchoa, bang ke chi tiet vin phi, h6a don, don thu6c (neu c6); va

Giaty ta chang mirth guy& nhan quyen Igi bao hiem dux van ban ey quyen, van ban phan chia di san thea ke, di chec hoc cac giAy ta 'the nhk hgp phap Ichac; va chang minh nhan dan/giAy Ut nhan than cea ngtrai co quyen nhan quyen lgi bao hiem; va

Trong &Jiang h9p tie vong do Tai Nan, ngoai cac chang ta neu tit!, cen phai np them:

HO so Tai Nan: bien ban tai nan, bi'en ban Icham nghiem hien twang, bien ban ket Wan dieu tra do Cong an cap quk/huyen tra len lap; va

Ck bang chang cho thAy c6 sy hien din cüa Nguai Dugc Ban Him tren cac chuyen bay thucmg mai hoc ck Phuang Tien Giao Thong Cling COng hoac Tea Nha Cong COng.

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b) Del vai yeu cAu giai quyet Quyen Igi Thrumg Tat Toan BO VA Vinh Vin

Cat thOng tir neu tai Dieu 12.2.(a).(i), 12.2.(a).(iii), va 12.2.(a).(iv); va

KM qua giam dinh tinh tang thuang tat do Hi deng y khoa cap tinh hoc ca quan Wang throng theo quy djnh cita phi)) luat cap.

12.3 Thti gian giai quyet quyen Iqi ban him

C8ng Ty se xem xet và chi tra quyen Igi bao hiem (nett dugc chap thuan) cham nhat IA 30 (ba muai) ngay ke tir ngay nhan dugc day du cat chimg tir theo yeu cau. Trong truong hgp tir eh& chi tra, Cong Ty se c6 van ban neu ro 19 do tir chei.

Neu vi bat ky 19 do gi ma quyen lgi bao him dugc Cong Ty chap nhan nhung !thong dugc Cong Ty chi tra tong thei gian guy dinh thi C6ng Ty se tra tat cho tiled gian tra chain ten ca ser tat suit bang vdi lai sat tam Cmg tir Gia Tri Tai Khoan Hgp Deng dirgc tong be ten website cira Cling Ty.

CHI.YONG IV: CAC QUYEN CIJA BEN MUA BAO HIEM

DIEU 13: THOI GIAN CAN NHAC

Trong Ong hai mtrai met (21) ngay k Ut ngay nhan Hgp Deng, .neu C'On‘ Ty chua nhan dugc you cau giai quyet quyen Igi bao hiem, Ben Mua Bao Hiem c6 quyen tir choi tham gia bao hiem bang, cach gin van ban th8ng bao den C6ng Ty, kern theo cac hOa don thu phi bao hiem (neu c6) va be Hop Deng. Sau khi nhan dugc day du cac tai lieu, Cong Ty se- hoan tra lai phi bao hiem da clang, killing c6 lai, sau khi trO di chi phi kham, 'cat nghiem y khoa (neu c6).

DIEU 14: CAC TRAY DOI LIEN QUAN DEN IWP BONG

14.1 Thay dtoi th8ng tin vim Hyp Eking:

Trong theri gian Hyp,DOng con hieu lac, Ben Mua Bao Hiem c6 the you eau thay lien quan den Him Wong hü hgp yen cat quy dinh cüa Hgp Deng nay va phap WM. Tat ca you cau thay dei bao gom: thay del Ngtrai Thy Huung, thay del thong tin lien he dm Ben Mua Bao Hiem, chuyen nhugng hap thing, va/hoac tham gia hoc hUy bei cat san pham bao hiem be trg phai dirge lap theo mau cua C6ng Ty va giri den Cong Ty. Cac thay doi nay se chi c6 hieu lye sau khi dugc Cong Ty chap thuart bang van ban hoc ban hanh (cac) Xac Nhan Thay 001 Hgp Deng.

14.2 Thay aM cy the lien quan den Nguti Diryc Bao Hiem

a) Ben Mua Biro Hiem phai thong bao bang van ban cho C8ng Ty cham nhat trong wing ba muai (30) ngay ke tir ngay có sr thay aM, neu Ngueri Dugc Bao Hiem:

(i) Di chuyen ra nuac ngoai tir chin muai (90) ngay tit len; hoac

10 / 19

Thay Mi ncri cu trU, dia chi lien he, h9 ten, ch(rng minh nhan dan; hoc

Thay Mi ye nghe nghi'exp, firth chAt c6ng viec hoc ye viec tham gia cac hoat Ong the thao c6 tinh chat nguy hiem.

b) Doi Niel Mc thay aM neu yen (cho dii Ben Mua Bao Hiem c6 th8ng bao hay kh8ng), COng Ty c6 the tiep Arc duy tri quyen Igi bao hiem cho Ngueri Duet Bao Hiem veri ck dieu kien kheng thay doi, vathok thay dei Phi Bao Hiem Rid Ro, va/hok Phi Bao Hiem Ca Ban va/hok Se Tien Bao Hiem; va/hoac foal trir met se quyen Igi bao hiem hoc cham dirt H9p Deng. Trong trueng hop chAm dirt Hgp Deng, Deng Ty se chi tra cho Ben Mua Bao Hiem Gia Tri Hoan Lai tai theri diem do. Clang Ty se thong yeu cau Ben Mua Bao Hiem hoan tra bAt IcY khoan thanh toan nao neu Ben Mua Bao Hiem van con ng Gong Ty sau khi da can trir het Gia Tn Hoan Lai.

14.3 Thay Ben Mua Bao Hiem

a) Chuyin nhtrong Hop Hang:

Ben Mua Bao Hiem c6 the chuyen nhucrng Hop Deng trong khi Hcrp Deng van dang c6 hieu hrc neu c6 van ban you cau \fa dugc Cong Ty chap the bang van ban th8ng qua viec phat hanh Xac Nhan Thay Dei Hop Deng. 06i tugng nhart chuyen nhugng hgp clang phai hOi dit dieu kien de tre thanh Ben Mua Bao Hiem nhu guy dinh tai Dieu 6 Ma Phv lac 1 dinh kern Hop Deng.

Ceng Ty thong chin trach nhi'em v tinh hieu lvc hay tinh day dit Ma Mt 14 yen cau chuyen nhucrng nao. Sau Idil chuyen nhugng, ngtrai dugc chuyen nhtrong se tiep nhan cac guy& va nglira vv Ma Ben Mua Bao Hiem theo quy dinh cUa Hgp Deng.

b) The(' than! chi (Unit Ben Mua &to Hain mei clic Hop Thing trong trireme hap Ben Mua Belo Hiem hien tai tfr gong/chant flit boat thing

Trong thei gian Hgp Deng c6 hieu ltrc, Mu Ben Mua Bao Hiem hi tir vong (tnxerng hop Ben Mua.Bao Hiem la ca nhan) hoc cham dirt hoat dung (tnreng hop Ben Mua Bao Hiem là to chirc):

Neu Ngueri Dugc.13ao Hitm tir dit 18 Tuei tre len va c6 dit cac dieu kin cüa Ben Mua Bao Hiem theo quy dinh trong Hop Deng nay va cac quy dinh cda phap ludt, thl Ngtroi Dirk Bao Hiem se trer thanh Ben Mua Bao Hiem mei Ma H9p Deng.

Neu Ngueri Dugc Bao Hiem dueri 18 Tut:4 thl nguai giam he hgp phap Ma Need Dugc Bao Hiem se trir thkh Ben Mua Bao Hiem meri neu dap irng cac dieu kien dugc quy dinh tai Hop Deng.

Sau t khi dugc sv chAp thudn Ma C8ng Ty, Ben Mua Bao Hiem mei tiep nhon tat cd Mc quyen vit nghTa vv phat sinh t& Hgp Deng.

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DIEU 15: TAM UNG Ti! GIA TM TA1 KHOAN HOP HONG

Trong theti gian Herp Deng cOn hieu Itrc va bat au tit Nam Hem Deng thir hai (02), Ben Mua Bao Hiem có the yeu eau Clang Ty tam ang tit Gia Trj Tai Khoan Hgp Deng neu tong gia tn tamfrng kh8ng vtrept qua tam mucri pham tram (80%) Gia Tn Tien,MOt Thoc Tra caa Hgp Deng tai theri diem you cau tam irng va ((hong thap hem mire toi thieu do COng Ty quy dinh vao tang then diem.

Ben Mua Bao Hiem có trach nhiem thanh tan lai cho cac khoan tam irng tin Gia Tri Tâi Khan Hgp Deng.

Ben Mua BA° Hiem c6 the hoan tra gia tri tom (mg va lai phat sinh vao bat eir lac nao neu lchoan thanh toan m6i l'an dap ang mire thanh tan toi thieu do COng Ty quy dinh tot timg then diem.

Cang Ty c6 quyen Id& air eac khan tam img (Ong lap twee khi chi tra bat Icy quyen len bao hiem nao theo Hgp Deng nay.

Mire lai sat cho cac Ichoan tam ling, mire tam img tei thieu va mac thanh toan tOi thieu se theo quy dinh dugc clang tai von website caa COng Ty.

DIEU 16: RUT GIA TR' TAI ICHOAN I1P HONG

Trong thai gian Hgp Deng c6n hieu Ice va sau then gian an nhac neu tai Dieu 13, Ben Mua Bao Hiem eó the you eau rot Gia Tri Tai Khan Hgp Dag va chlu Phi Rat Gia Td Tai IChoan Hgp Deng theo quy dinh tai Dieu 19 neu dap img cac dieu kien sau:

SO tien you eau dm mOi lan rat Ichong vtrgt qua tong eUa (i) gia tri Tai Khan Deng Them va (ii) tam muoi phan tram (80%) gia tri Tai Khoan Ca Ban, sau Ida trir di Phi Rat Gia Td Tai Khoan va Ng (neu co); va

SO tien tOi thieu cüa mOi Ian rat va se du an lai trong Tai Khan Cu Ban sau khi rat 'thong thap hem mire quy dinh caa COng Ty.

Vic rat Gia Tri Tai Khoan Hgp Deng se duce tru tien that hien tit Tai Khan Deng Them. Neu se tien you cAu rat vugt qua gia tri Tai Khoan Deng Them, phan vuert qua se tiep tac duce rat tin Tài Khoan Co Ban.

SO Tien Bao Hiem caa Hgp Deng se 61 dieu chinh giam nOu sO du c6n lai trong Tai Khoan Co Ban sau Ida rat that) hem SO Tien Bao Hiem. SO Tien Bao Hiem sau Ida dieu chinh khong thap hon SO Tien Bao Hiem tOi thieu do COng Ty quy dinh.

DIEU 17: CHAM HITT HOP HONG TRU6C TH6I HAN

Trong then gian Hgp Deng can hieu lac, Ben Mua Bao Hiem c6 the yeti cau cham dirt Mgr Deng trixec,theri ban bang each girl you au bang van ban cho COng Ty. Ngay cham dirt Hem Deng la ngity Clang Ty nhan dugc yeu eau bang van ban day au va hgp le tin Ben Mua Bao Hiem.

12 / 19

Khi chain dirt Hgp Ding try& thai hart, neu Hgp Deng TA c6 Gia Tri TIM Mat That Tra, Ben Mua Bao Hiem 0 nhan dugc Gia Tri Tien mg That Tra dtrgc xac dinh tai ngay chain dirt Hgp Deng. Neu Hgp Deng chua co Gid Tri Tien Mat Thtrc Tra, Ben Mua Bao Hiem se khong nhan dirge bat ky khoan tien nao.

CHIANG V: PHI BAO HIEM VA CAC !MOAN PHI LIEN QUAN DEN HQ'P BONG BAO HIEM

DIEU 18: PHI BAO HIEM

18.1 Phi Bao Him Co Ban

Phi Bao Him Ca Ban aka Hgp Deng dugc Ben Mua Bao Him deng met Ian vao thai diem you cAu bao hitm.

Phi Bao Him Ca Ban clang vao, sau khi trir Phi Ban DM, se dirge phan be vao Tai Khoan Ca Ban.

18.2 Phi Bao Them Deng Them

Trong thai gian Hgp Deng ,c6 hieu lut, ngoai Phi Bao Him Ca Bari, Ben Mua Bao Hiem di the du tu them bang each clang Phi Bao Him Deng Them. Phi Bao Hiem Deng Them deng vao, sau khi trir Phi Ban DM, 0 dugc phan be vao Tai Khoan Deng Them.

Quy dinh ye Phi Bao Him Deng Them tei thieu va fel da se dugc C8ng Ty th6ng bao tren website ala CC:trig Ty hoc th6ng bao cho Ben Mua Bao Him bang van ban, tin nhan, thu dien tir hoc cac hinh thirc van ban khae.

183 Gia ban dang phi bao him vit Mat hi'eu Int Hos Dein

Thai gian gia han dOng phi bao him la 60 (sau mucri) ngay dirge bat du ke tir ngay Gia Tri Tai Khoan Hgp Deng sau khi tit Ng (nu co) khong da de thanh toan Khoan Khali Trir Hang Thang.

Trong thai gian gia han deng phi bao him, Hap Deng van c6 hieu lye.

Hgp Deng mat hieu hie neu sau Thai gian gia han dong phi bao hiem neu tren ma Gia Tri Tai Khoan Hgp Deng tra Ng (neu c6) kitting da de thanh toan Khoan }Chau Trir Hang Thang.

Trong thin gian Hgp Deng mAt hieu 1cm khong c6 bat Icy Khoan IChau Tr* Hang Thang hay khoan phi nao phat sinh ding nhu khong c6 bat Icy quyen Igi bao hiem nao dugc chi tra.

Luw 35: Diu 18.3 nay khong tip dyng trong Throng hyp Hpp frang dupe dam bdo duy tri theo guy din!: tyi Digu 5.

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DIEU 19: CAC KHOAN PHI LIEN QUAN DEN HOP HONG

Cac loai phi dirge neu tai Dieu nay du tuan tha quy dinh cüa san pham cla duqc 138 Tai Chinh phe chuan.

Phi Ban HMI

Lit phi duqc khau tit dr Phi Bao Him Ccr Ban va Phi Bao Him Dong phan be vao tai khoan km thing. Mac phi alp dung nhu sau:

Them tnrac khi

Nam Hop Deng 1 2+ % Phi Bao Hiem Ca Ban 24% 0% % Phi Bao Hiem +Jong Them 5% 5%

Phi Quin

Ly HIM Eking

Phi Quan Ly Hqp Dtmg se duqc khau tit hang thang vao Ngay Ky Niem Hang Thang dr gift tri Tai Khoan Ca Ban. Phan Phi Quart 14 Hqp DOng vtrcrt qua gia tri Tai Khoan Ca Ban se duqc dap fix khau trir tir gia tri Tai Khoan Dong Them.

Trong nam 2018, Phi Quan LY Horp DOng la 31.000 (ba mtrai mot ngan) clang/Hqp DOng/thang va se ttr d'Ong tang 2.000 (hai ngitn) dang/Hqf DOng/thang m61 nam ducmg lich sau do. Tuy nhien, trong mei tnrong hcm, mac dieu chinh Ichong vucrt qua mix thi da 60.000 (sau mtrai ngan) dOng/Hqp Deng/thang.

Cling Ty co quyen thay doi Phi Quan LSI Hop DOng hoc mac tang Phi Quart Ly Hcm Elting sau khi c6 skr chap thuan caa BO Tai Chinh. Neu co sty thay den, C8ng Ty se gun th8ng bao cho Ben Mua Bao Hiem ba (03) thang tnroc khi áp dung mac Phi Quail Ly Hop Wong mai.

Phi Rao

Hitin Rill Ro

Phi Bao Him Rai Ro duce Ichau trir hang thang vao Ngay Ky Niem Hang Thang tit gia tri Tai Khoan Ca Ban. Phan Phi Bao Him Rol Ro vtrqt qua gia tri Tai Khoan Ccr Ban se duqc tip Am kilt Viz tir gia tri TM 1Choan Bong Them.

Phi Bao Him Rai Ro duqc xfic dinh theo tuiii, gith tinh, tinh tang sac lchoe va nghe nghie'p caa Ngtrai Duqc Bao Him. Phi Bao Him Rai Ro có the thay di sau khi duqc BO TM Chinh chap thuan. Trong tnrang hqp nay, C8ng Ty se gai thong bao bang van ban cho Ben Mua Bao Hitin 03 (ba) thang tuft khi áp dung.

•

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Phi Hay B6 Hop Ding Tnrerc Hyn duqc tinh theo t9 14 phAn tram (%) ten Phi Bao Phi Hiem Ca Ban cho Tai Khoan Co Ban, va tren Gia Tri Tai Khoan Dong Them cho TM Huy Khoan Wong Them. Mire phi áp dung nhu sau: B6

Hyp Nam Hop DOng 1 2 3 4 5 6 7+ Tai Khoan Ca Ban (% Phi Bao Hiem Co Ban)

8% 6% 4% 2% 1% 1% 0% BOng Truest Hyn Tai Khoan Bong Them 50/

(% GTTK Bong Them)

Phi Rtit Gia Tri Tai Khoan Hop DOng dugc tinh theo t9 la phAn tram (%) tren s6 tien rat. Mire phi áp dyng nhu saw

Phi Rut Nam Hap D6ng 1 2 3 4 5 6 7+ Gia Tai Khoan Ca Ban 8% 6% 4% 2% 1% 1% 0% Tri (% So tien rut) TM Tai Khoan Bong Them 50/

Khofin (% 56 tien rat) Hyp Wog

Phi Rut Gid Tri Tai Khoan Hqp 136ng se dugc khAu trir vao st, tien you du rut tnr6c khi Ceing Ty chi tra s6 tien rut nay.

Phi Quan 14, Quy la 1,5% (mat phay nam phAn tram) dm Gia Tri Tai Khoin Hop Bong. Phi Quan L9 Qus, duoc quy dinh cy the ti Trang Hop DOng hoc Thong bao

Phi dm C8ng Ty (nu c6). Phi Quan 1.4, Quy se duce khau frit truerc khi C'Ong Ty c8ng b6 Quin lAi suat theo quy dinh tyi Dieu 7.1.

Ly Quy Phi Quan L9 Quy, c6 the &we thay d6i neu duct so chAp thuan dm 136 Tai Chinh.

C8ng Ty se gui thong bao cho Ben Mua Bao Him ba (03) thang twat khi áp dung mat Phi Quan L9 Quy meri.

CHUONG VI: QUY DINH CHUNG

DIEU 20: NGH1A VkJ CUNG CAP VA BAG MAT THONG TIN CIJA CONG TY

20.1 Khi giao ket Hop Bang, C6ng Ty c6 trach nhiem cung cap dAy dU th8ng tin lien quan den Hop Bong, giai thich day du cac dieu ki'Yn, dieu khoan bao hiem cho Ben Mua Bao Hiem. Trong truerng hqp Ging Ty cung cap thong tin sai so that nham giao ket Hqp DOng thi Ben Mua Bao Him ca quyen don phucrng chAm dirt Hap Thing, you cAu Cong Ty hoan tra toan 1)6 s6 phi a dang sau khi trir di cac khoan RCA Gia Tri Tai Khoan Hop

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Deng va Ng (neu co) va/hoac,yeu cAu Ong Ty bOi thuerng cac thia hai ma Ben Mua Bao Hiem phai ganh chiu (neu co) ph& sinh lien quan den viec COng Ty cung cAp th6ng tin sal sr that..

20.2 COng Ty thong dugc chuyen giao thong tin ca nhan do Ben Mua Bao HiemiNgueri Duct Bao Hiem cung cap cho bat k9 ben tilt ba nao khac, trir cac twang hop sau day:

Thu thap, sir dung, chuyen giao theo yeu cau efta ca quan nha ntroac co than quyen hoac cho me dich tham dinh, tinh toan phi It hiem, phat hanh hap dOng bao hiem, thu phi bao hiem, tai Igo hiem, trich lap du phemg nghiep vv, giai quyet chi tra quyen Igi bao hiem, nghien cau thiet ke san pham, phang chang true Lai bao hiem, nghien cau, danh gia tinh hinh tai chinh, kha nang thanh toan, mac de day da von, yeu cAu von.

Cac twang hyp khac duce Ben Mua Bao Hiem/Ngtrai Duct Bao Hiem deng 9 bang van ban, voi dieu kien:

Ben Mua Baia Hiem/Nguai Dugc Bao Hiem phai duce thong bao ye inuc dich chuyen giao th8ng tin va dugc quyen Iva chgn giva clang 9 hoc thong deng veri viec chuyen giao d6; va

Viec Ben Mua BA° HiemiNgueri Dugc Bao Hiem tir ch6i cho phdp chuyen giao theng tin cho ben thir ba ngoai diem (a) neu ten kitting dugc sir dung lam 19 do de tir choi giao kat Hgp Deng.

DIEU 21: NGHIA VIJ KE KHAI TRUNG THIIC CiJA BEN MUA BAO HIEM VA NG15/31 DUQC BAO HIEM

21.1 Ben Mua Bao Hiem va/hoac Ngueri Dugc Baia Hiem c6 nghia vpi phai ke khai trung thuc vã cung cap day dit the th8ng tin theo yeu cAu cüa COng Ty de C8ng Ty danh gia kha nang chap nhan bao hiem hoc chi tra quyen lgi bao hiem theo Hop Deng hoc the san pham bac) hiem be try (neu c6). Viec COng Ty c6 hoc khang c6 yeu cAu kiem tra y te së thong duct sir dung lam 19 do a man trir nghla vy ke khai trung thuc caa Ben Mua Bao Hiem va/hoac Ngtrai Dugc Bao Hiem.

21.2 Cling Ty se dem phuang chain dirt Hgp Deng tong tnremg hap Ben Mua Bao Hiem va/hoac Ngtrai Dirge Bao Hiem ca 9 vi pham nghia vu cung cap thong tin theo Dieu 21.1 neu ten ma neu biet dugc nhang thong tin nay Gang Ty do. khorl chap nhan Edo hiem. Trong twang hgp nay COng Ty se kitting giai quyet bAt IcST quyen Lai bito hiem So va,se hoan tra Gia Tri Tien Ma Thyt Tra sau khi cIA khau tra cac khoan quyen lgi bao hiem da dugc thanh than. COng Ty se' kh8ng yeu cau Ben Mua Bito Hiem hoan tra bat 14 Ichoan thanh toitn So neu Gia Tn Tien Mat nut Tra nha han cac khoan khau lit neu tren. Ti filed diem C8ng Ty phat hien hanh vi gian d6i (neu c6), bat 14 quyen lai bao hiem nen da dugc chap thuan nhtmg chua dirge chi tra thi cac quyen Igi bao hiem do deu ngay 1p tac bj 114136 va COng Ty se kitting c6 nghia vg tiep We chi tra.

21.3 Trong tnrang hgp Ben Mua Bao Hiem va/hoac Ngtrai Dirge Bao Hiem vi pham nghTa vij ke khai thong tin tai Dieu ,21.1 nhung viec vi pham nay kh8ng lam anh huerng tai quyet dinh chap thuan bao hiem theo quy dinh caa Gang Ty tai timg theri diem, C6ng

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Ty van se chi tra quyen Igi bao hiem nett co sv kin bao him xay ra theo quy dinh cAa H9p Dtmg. Trong trutmg hop nay, C8ng Ty c6 the thu them khotin phi him him hoc dieu chinh SO Tien Bao Him giam ttrcmg img vOi mfrc rAi ro (neu c.4) theo quy dinh ve tham dinh bao hiem.

DIEU 22: TRUVNG HQP ICE KHAI SAI TUOI VA/HOAC GRA MINH

22.1 Trong twang hgp ke khai sal 'Ned va/hoAc gi6i tinh cüa Nguai Dugc Bao Hiern Cong Ty co the tinh toan va 'Neu chinh lai khoan Phi Bao Hiern RUt Ro, Phi Bao Hiem Ca Ban VAS SO Tien Bap Hiem phai thu theo Tuoi clang va/hoAc gied tinh dung tinh tir Ngay Hieu Lvc Hop Dein den ngay phat hien ra viec ke khai sat. Hap D64, gia tri Tai IChoan Ca Ban va cac thong tin Oa Ngtrai Dugc Bao Hiem trong Hop Dong s'd dugc dieu chinh wan img vã pha hap.

22.2 Neu Tuoi thvc cUa Ngtrai Dugc Bao Hiem Wong nam trong nh6m TuOi c6 the dugc bao hiem theo quy dinh cUa Hop DOng, aing Ty c6 quyen hUy b6 Hop Dong va hoan tra lai cho Ben Mua Bao Hiem Gia Tri Tai Khoan Hop Bang hoc so phi bao hiem dA Jong, thy theo gia tn So Ion han tinh tai thai diem Cong Ty c6 th8ng bao ve viec ke khai kh6ng chinh the do, Ichong c6 (Al, trir di cac quyen Igi bao hiem dA thanh toan, cac khoan rUt ffi Gia Tri Tai Khoan Hgp D6rig, cac khoan Ng va cac chi phi thvc te ph& sinh trong viec danh gia rid ro bao hiem cUa Ngtrai Dugc Bao hem.

DIEU 23: MIEN TRUY XET

23.1 Ngogi Wit truang hop ke Ichai sal ye TuOi va/hoAc gi6i tinh nhu quy dinh tai Dieu 22 hoc cO cung cep thong tin Ichong trung thvc hoc khong dAy dU nhu dirge quy dinh tai Dieu 21, trong }chi Hop DOng van can hieu lye, viec Ben Mua Bao Hiem vã/hoe Nguai Dugc Bao ,Hiem ke khai kh8ng chinh xac hoAcb6 sot cac thong tin trong HO So Yeu CAu Bao Hiem hoc cac mau don, ban ke khai lien quan den viec thAm dinh va chap thuan bao hiem cUa COng Ty se Ichong lam cho Hop DOI bi hay be neu Hgp D6ng cid co hieu Ivc it nhAt hai muai bOn (24) thing Ice tir Ngay Cap Hop DOng.

23.2 Dieu Ichoan nay se khong ap dyng trong twang hap Bon Mua Bao Hiem va/hoAc Nguai Duct Bao Hiem cO !thong kê khai hoc kh6ng cung cap dAy au va trung thvc nhitng thong tin ma neu biet &rot cac thong tin dO, Clang Ty se tam hail hoc tar choi bao hiem.

DIEU 24: NGUOI THIJ HIrONG

24.1 Ngtrai Thy Huang dugc Ben Mua Bao Hiem chi dinh trong don you cell bao hiem hoc dugc thay doi va chap thuAn bai Cong Ty trong (Se) Xac NhAn Thay DOi Hop 136ng. Ngtrai Thy Huang dugc huting cac quyen lqi dm Hop D6ng neu vã khi duce COng Ty dOng St chi tra các suyen Igi bao hiem trong twang hop Ngtrai Duce Bito Hiem.tir vong. Tat ca the quyen loi Ichac dm Hap Dling trong tiled gian Ngtrai Dugc Bao Hiem con song se dugc thanh toan cho Ben Mua Bao Hiem hoc theo alba thuAri Ichac Ging Ty va Ben Mua Bao Hiem.

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24.2 Neu khong c6 Ngtreri Thy fluemg nao dugc chi dinh hoc tAt ca Nguifi Thy Huong du da tir von1/ chant dirt hoat eking citing thed hoc tnrec khi Ngtred Dugc Bao Him tir vong, guyen lgi bac) him tit vong se dtrgc chi tra cho Ben Mua Bao Hiem hoc ngtrefi thira ke hop phap dm Ben Mua Bao Him.

24.3 Neu c6 tcr hai Ngued Thy Hueng tr6 len thi:

quyen Igi bao hiem tir vong se dtrgc chia deu cho tAt ca mei Nguai Thy Huang, trir khi c6 quy dinh khk trong Hgp Deng hoac trong van ban chi dinh Ngued Thy Huang dang ce, hiEu luc áp dyng; hoc

nu cep bat Ngued Thy Huang nao da tir vong/cham dirt hoat ging ding thei hoc truefc khi Ngued Dtrgc Bao Him tit vong, phan quyen Igi bao him cüa Ngtred Thy Huemg do se &roc chia du cho nhilng Ngtred Thy Huang can lai, trir khi ce, quy dinh khac di trong Hop Deng hoc trong van ban chi dinh Ngued Thy fluemg dang c6 hieu lye áp dyng.

24.4 Bat ke da c6 the quy dinh khk tai Hgp Deng nay va trer truerng,hgp Cong Ty chttp thuan khac bang van ban, trong tnremg hop Ben Mua Bao Him la to chirc:

Quyen lgi bao him tir vong sê dugc chi tra cho Nguiri Thy Htremg. Cac quyen Igi lien quan den rat Gia Tri Tai Khoan Hgp 13611, tam Cmg tir Gia Tri Tai Khoan Fiqp Deng, cham dirt Hgp Deng tnrot then han va quyen Igi dao han Hgp Deng se dugc chi tra cho Ben Mua Bao Hiem. Tat cá cac quyen Igi bao hiem con lai Ichac duce quy dinh tai Hgp Deng nay se dugc chi tra cho Ngued Dugc Bao Wein;

Neu {thong c6 Nguai Thy Htrem nao dtryc chi clinh hop le, quyen lqi bao hiem ter vong se &rye chi tra cho ngtrai thira ke cüa Nguoi Dugc Bao Hiem; va

Trong m9i truemg hop, viec thay del Ngued Thy Huerng phai dugc Ngtred Dugc Bao Him &mg 9.

24.5 Cling Ty se '<hong chiu trach nhiem v tinh hçp phap cling nhu tranh chap (neu c6) cüa Ben Mua Bao Him hoc nhang ngtrai lien quan den viEc chi dinh thay dOi Ngueri Thy Huemg.

DIEU 25: clam Derr QUYEN LQI BAO HIEM vi CRAM DIST HOP BONG

H9p Deng se chain dirt ngay khi co bat 1(9 str kien nao dual day xay ra:

Ngued Duce Bao Hiem ter vong; hok

C6ng Ty chap nhan thanh toan Quyen Igi Thuerng Tat Toan BO Va Vinh Vin; hoc

H9p Deng mat hieu lye theo quy dinh tai Dieu 18.3.(b); hoc

Ben Mua Bao Hiem yeu cAu chAm dirt H9p Bang truck RIM Ilan; hoc

18 / 19

Ngueri Duqc Bao Hiem lien quan klcang con dap Ong cdc dieu kien de tit thanh Ngueri Dttqc Bao Him nhu duct quy dinh cüa Hop Ding; hoc

Hop Ding dao han.

DIEU 26: CIA! QUYET MAU THUAN VA TRANH CHAP

26.1 Hop Ding duqc dieu chinh vá giai thich theo phap ludt cüa nuerc COng Flea Xa Hi Chu Nghia Viet Nam.

26.2 Neu c6 bat kjr tranh chap nao kh8ng the giai guy& thong qua thuang lacing thi tranh chap dO se dugc dua ra tea an c6 than: quyen nal Ben Mua Bao Hiem Cu ad hop phap hoc nai Cong Ty to try se chinh de phan

19 / 19

B. PHU LUC 1— PHAN DINE NGHTEA

Minh kem San phdm bao !dim Lien Kit flung Thal Hon 20 Ncim —Jiang phi mat lein — ICE hoctch dciu tie chew phe duyet theo cling van Al 8443/BTC-QLBH ngay 16/07/2018 caa BO Tai chinh)

1. Cling Ty: la Cong Ty TNHH Manulife (Via Nam), Gong ty bao hiem than thg duct thanh lap va boat dOng theo phap luat Via Nam.

2. Hop Deng Bio Him ("Hop DOng"): là them thuan bang van ban gala Ben Mua BA° Hiem va Cong Ty, trong do ghi nhan quyen Ara nglira vv cüa cac ben trong qua trinh time hien Imp clang bao hiem. Hgp Deng bao g8m cac tai lieu sau:

He Scr You Cau Bao Hiem; Trangygp Deng; Quy tac, dieu Ichoan san pliant bao hiem chInh, san pham bao hiem be trg (neu c6) dA dugc BO TAi Chinh phe chuan; (Cac) Xac Nhan Thay Del Hgp Dong (neu co?; (Cac) van ban sVa di, be sung Hgp Deng (neu c6).

3. H So Yeu Can Rao Hiem: la van ban yeu eau bao hiem theo mau cUa C6ng Ty, tronp do ghi cac nOi dung a nghi tham gia bao hiem va thong tin do nguti de nghI tham gia bar) hiem cung cap de C8ng Ty danh gia rai ro, lam can dr chap nhan bao hiem hoc tcr eh& bao hiem. HO Sa You Cau Bao Hiem do Ben Mua Bao Hiem, Nguari Dugc Bao Hiem va cac ben lien quan den viec you cau bao hiem dm Ben Mua Bao Hiem ke khai, Ic5r ten va cung cap cho C8ng Ty.

4. Trang flop Wong (Gay Chang Nh#n Rao Hiem): la van ban do Cong Ty cap cho Ben Mua Bao Hiem, trong 46 the hien met so th8ng tin ca ban dm Hop DOng va la mOt plan khong tach raj cüa Hgp Deng.

5. Xic NhOn Thay Hai Hop Deng: IA van ban do Clang Ty phat hanh nham mac dich xac nhan cac thay doi c6 lien quan den Hap Bong.

6. Ben Mua Bao Them: la t6 chIrc dugc thanh lap va boat Ong hap phap tai Via Nam hoc ca nhan tir au muai tam (18) Tuei tra len, dang sinh sting tai Via Nam va co nang lye hanh vi dan skr dAy MI; là nguti ke khai, k ten tren dun you cau bao hiem, thkrc hien cac guy& va nghia vv quy dinh trong Hgp Deng va dirge ghi nhan la Ben Mua Bao Hiem trong Trang Hgp Deng, hoac Xac Nhan Thay Si Hap Deng (neu c6).

7. Nguti Dirge BEM Hiem: là ca nhan ma tirth mang va/hoac sac kit& caa cA nhan 46 la del tugng duce C8ng Ty chap nhan bao hiem, va dugc ghi nhan trong Trang Hgp Deng IA Nguai Dugc Bao Hiem Wong Crng \red san pham bao hiem chinh.

Vao then diem yeu cAu bar) hiem, trü tnrang hgp Mtge quy dinh lchac di tai cac san pham bao hiem be trg cv the, Ngtreri Dirge Bao Hiem phai:

cOn song va co mei quan h Chive bao hiem vai Ben Mua Bao Hiem,

dang hien din tai Viet Nam,

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(iii) trong do Tu61 ta met (01) thang Tuei den bay muai (70) Tuei.

Ngireri Thy Huang: la (the) cá nhan hoc t6 chile dugc Ben Mua Bao Hiem chi clinh d nhan quyen Igi bao hiem. Ngtrai Thy Huang duce ghi ten trong He So Yêu CAu Bao Hiem hoc Xac Nhan Thay Dôi Hap Deng (neu c6).

sifi Tien Bao Hiem: la s6 tin dtryc Cong Ty chap nhart bao him theo quhy dinh tai Hyp Deng va dugc ghi tren Trang Hyp Deng hoc Xk Nhan Thay DM Hgp Dong (neu c6).

TuAi: IA tn.& cüa Ngueri Dtrcrc Bao Hiem tinh theo ngay sinh nhat Vera qua truck (ii)Ngay Hien Lye Hyp Deng hoc (ii)Ngay Ky Niem Hyp Deng trong ck Nam Hgp Deng tiep theo.

Ngity

11.1. Nry CAp Hgp Deng: IA ngay Hgp Deng dugc Cong Ty chap thuan va phat hanh theo Ho So You Cau BAo Hiem hgp I cila Ben Mua Bào Hiem. Ngay CAp Hgp Deng dugc ghi nhan trong Trang Hyp Deng hoc Xac Nhan Thay Del Hap Dong (neu c6).

11.2. Ngay Hien Lyc Hyp Deng: IA ngity Hgp Deng bat, au cif) bleu Itrc ya dugc ghi nhan tai Trang Hyp Bang hoc Xk Nhan Thay D6i Hyp Bong (neu c6).

11.3. Ngay Ky Niem Hgr Deng: la ngay ky niem tucmg ang hang nam cüa Ngay Hien Lye 11.0 Deng trong suot Thai Han Hgp Deng. Nu nam Ichong c6 nay nay thi ngly cu6i ding cüa thang do se la Ngay Ks, Niem Hgp Deng.

11.4. Nny Kt Niam Hang Thang: IA ngay tuang ern hang thang cüa Ngay Hieu Lye Hap Deng. Twang hyp thang khong c6 ngay Wang (mg thi ngay lien twat do se dtrgc áp dyng.

11.5. Nam How Elting: la khoang then gian 01(m0t) nam ducmg lich ke tir Ngay Hien Lye Hyp Deng hoe Ngay Niem Hgp Bang.

11.6. Ngay Dao Han Hgp DOngh: la ngay cutii ding dm Thai H 1- an 1gp Deng vA dugc ghi nhan tai Trang Hap Deng neu Hgp Deng can hieu lye den thai diem da.

Thai Han Hqp Deng: la hai mucri (20) :lam tinh ttr Ngay HiL Lye Hgp Deng.

Phi Bao Hiem Cr Ban: la lchoan phi (long cho san pham chinh va dugc ghi trong Trang Hap Deng hoc Xk Nhan Thay BAi Hgp Deng (neu c6).

Phi Bito Hiem BA Trq: la khoan phi dang cho (cac) san pham ban him be try va dugc ghi trong Trang Hap Deng hoc Xac Nhan Thay BAi Hgp Deng (neu c6).

Phi Bar o Hiem Don Them: la Ichoan ?hi do Ben Mua Bao Hiem dang them ngoai Phi Bao Hiem Co Ban theo quy dinh cüa Hgp Bong. Trong twang hop Ichach hang ca chi dinh ye viec &ling Phi Bao Hiem 136 Try, Phi BS Hiem Bang Them se la khoan phi do Ban Mua Bao Hiem (long them ngoai Phi Bao Hiem Co BAn va Phi BS Hiem I36 Try.

2/5

Phi Bito Hiem Ca Ban throe Phan BO: la phan cèn lai dm Phi Bao Hiem Ca Ban sau khi khau trir Phi Ban Dan.

Phi Brio Him Bong Them Dirge Phan Ba: là phan con lai cla Phi Bio Him Ding Them sau khi khan trir Phi Ban Dalt.

Phi Ban Du: IA khan phi dugc khau trir tir Phi Bao Hiem Ca Ban va/holc Phi Bao Him Dang Them trudrc khi Phi Bao Hiem Ca Ban va/hoac Phi Bao Hiem Dong Them dugc phan be vao tai khan Hop Dang.

Phi Rio HiAm Rüi Ro: IA khoan phi dugc khau trir hang thang de dam bao chi tra quyen kri bao hiem theo quy dinh cia san pham bao hiem chinh.

Phi Quin ILS, Hop Hong: la khoan phi &roc khAu ter hang thing a Cong Ty thyc hien the cong viec can thiet lien quan den viec quan ly, duy tri Hop Dang va cung cap cdc thong tin lien quan den H9p Dang cho Ben Mua Bao Hiem.

Phi Quin Lt Qujr: IA khoan phi chi tra cho hoat Ong quan lY va Mu ttr cüa Quy Lien Ket Chung.

Khoin Khan Trie Hang Thing: IA khoan tien dugc Cong Ty khAu trir hang thang, bao gam Phi Bao Hiem Rüi Ro va Phi Quan 14 Hop Bong.

Phi Huy BO Hap DOng Truot Han: la khoan phi ma C6ng Ty se thu khi Hop Bang bi cham dirt tnroc tiled han.

Phi Rut Gii Tri Tii Khoin Hop Hong: la khan phi ma Ben Mua Bao Him phai chiu khi yeu cau rut met phan tir Gia Tri TAi Khan Hyp Wing.

Ng: IA bat ky khoan phi, phi bao hiem hoac khoan tin nio ma Ben Mua Bao Hie'm an phai doing de duy tri hieu lye Hop Deng hole phai thanh tan cho Ging Ty theo the dieu khoan và dieu kien dm Hop BOng, bao gam ca the Khoan Khau Tit Hang Thong den hart, cac khoan tam img tir Gia Tri Tai Khan Hop Deng, va cac khoan khac cOng vai Lai tich my pat sinh tren cac khoan tin nay. Tat ca cac khoan tien nay se dugc cal là an nq COng Ty va se dugc Cang Ty khAu trir mute khi thanh toan bat Icy quyen lgi bao hiem nao theo Hop Wong nay.

Tai Kholin Cr IA tai khan duce hinh thinh tir Phi Bap Hiem Ca Ban. Gia tri Tai Khan Co Ban dugc xac clinh theo quy djnh tai Dieu 10.2.(a) cla Hop Wing.

Tai Khan Ding Them: la tai khan duce hinh thanh tir Phi Bao Hiem Bong Them. Gia tri Tai Khoan Doing Them duce xac (firth theo quy dinh tai Dieu 10.2.(b) eta Hop Thing.

GM Tri TM Khoin Hap Hang: la tang cla gia tri Tai Khoan Ca Ban va gia tri Tai Khan Deng Them.

Gil Id Hoin Lai: la gia tri thu dirge sau khi lAy Gia Tri Tai Khoan Hop Bang trir di Phi Hily B6 Hop Bang Twee Han. Gia Tri Hoan Lai dugc tinh than phü hgp vgi ca set ky that dm san pliant da duet Be Tai Chinh phe duy.

•

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30. Gia Tri Tien Mat Thoe Tra: là gia tri thu duqc sau Ichi lay Gia Tri Hoan Lai trir di cac khoan No (nett cep).

31. Thwtrng Tat Toitn BO VA With Vin:

Thuong Tat Toan BO Va Vinh Vin la trudng hop:

a) Ngued duce bao hiem bi met, li'et hoan toan va kitting the phoc hdi dugc dint nang dm:

Hai tay, hoc; Hai chan, hoc; Mdt tar va mdt chan, hoac; Hai mat, hoc; MQt tay va mdt mat, hoc; Mdt cha'n va mdt mat.

Trong truerng hop nay, mat hoan toan va khong the phuc hti duqc chirc rang coa (i) tay duqc tinh tit ce tay tra len, (ii) chan duqc tinh tir mat a chart tit len, (iv) mat duce hieu IA mitt ha'n mat hoac mu hoan toan.

Vic chirng nhan Nguai doe bao hiem bi mat holm wan bd phan co the (tay, chart hoc mat) cep the duqc thoc hien ngay sau khi so kien bao hiem xay ra.

Vic chimg nhan bi liet hoan toan va kh8ng the phoc hOi chat nang cüa can bet phan co the phai duqc thoc hien khong sam hcm 180 ngay ke tir ngay xay ra so kien bao hiem hoc tir ngay benh ly dirge chAn doan xac dinh.

Hok:

b) Ngtrai duce bao hiem bi thuang tat tir 81% theo xac nhan dm co quan y te/ Fldi Ong giam dinh Y khoa cap tinh ha len.

32. Tai Nan: nghla là mdt so kien hoc mdt chutd so kien lien toe, Ichach quan xay ra do tac Ong cita mdt ltrc, mdt vat bat ng6 tir ben ngoai len co the cim Ngudi Thaw Bit° Hiem va gay ra thong tat hoc tir vong cho Nguai Don Bao Hiem. So kien hoc chad so kien neu tren phai là nguyen than truc tiep, duy nhat va kitting lien quan den bat ky nguyen nhan nao khk gay ra thucmg tat hoc ter vong cho Ngtrai Duce Bao Hiem trong yang chin muoi (90) ngay ke tir ngay xay ra so kin hoc chat so kien do.

33. Phircrng Tien Giao Thong Ging ging: là cac phucmg tin van chuyen theo lich trinh thuang xuyen, theo nhimg tuyen &rang da duqc xic lap va danh cho cac hanh Ichkh c6 mua ye, nhu: xe buYt, 8 to cha Ichach tuyen có dinh, tau hda, tau thity ch6 Ichach, pha cha khach, tau din va duct van hanh bai cac don vi dirge cap gray phep kinh doanh van tai hanh !cilia hop phap.

Phucmg Tien Giao ThOng C8ng COng khong bao gem taxi, may bay tu nhan cac loai, xe thue, hoc bat IcY pinfong flan thue nao sir Ong cho muc clich di lai ca. nhan.

34. Thang May: nglifa la thang may duce sir dung cho ink dich van chuyen hanh khach, Ichong bao gem thang may hoot ddng trong hem md hay tai cat Ong trinh xay (long hoc nha rieng.

4/5

Tôa NhA Cong COng: bao gm nha hat, rap chieu phim, truerng hoc, trung tam y te, benh vin, san von dng, nha thi clau, cac trung tam the thao, va trung tam thuang mai.

Knh Co San: nglila la tinh trang,benh tot hoc Mn thucmg cOa Ngueri Ducc,Bao Him cid duce bac si kiem tra, chan doan hay dieu tri truCeNgay Hieu Lcc Hqp Wang. Ho so y te, tinh trang tien sir benh duce luu gill tai cac ca sâ y te duct thanh lap hcp phap hoc cac th6ng tin do Ngtrai Duce Bao Hiem tc ke khai duct xem la bang chimg day di, va hqp phap ve Benh Co San.

5/5

(Duce phe chuan theo C QLBH ngay 16 thang 07 nam 2018 cita BO Tai nh)

1.1 Bieu phi chain

(Dan W.. ph an ngan)

K6 Hoach Dail Tu la Hoach au Ttr Turn ..

Nix Nam Na o 66,0 61,5 36 143,2 116,8 1 66,6 62,1 37 152,9 123,1 2 67,2 62,7 38 162,6 129,4 3 67,8 63,3 39 172,3 135,7 4 68,4 63,9 40 182,0 142,0 5 69,0 64,5 41 205,5 150,4 6 69,0 65,0 42 229,0 158,8 7 69,0 65,5 43 252,5 167,2 8 69,0 66,0 44 276,0 175,6 9 69,0 66,5 45 299,5 184,0 10 69,0 67,0 46 319,6 205,9 11 69,2 67,9 47 339,7 227,8 12 69,4 68,8 48 359,8 249,7 13 69,6 69,7 49 379,9 271,6 14 69,8 70,6 50 400,0 293,5 15 70,0 71,5 51 424,2 309,4 16 71,1 72,8 52 448,4 325,3 17 72,2 74,1 53 472,6 341,2 18 73,3 75,4 54 496,8 357,1 19 74,4 76,7 55 521,0 373,0 20 75,5 78,0 56 550,7 396,9 21 77,6 79,5 57 580,4 , 420,8 22 79,7 81,0 58 614,t 444,7 23 81,8 82,5 59 639,8 468,6 24 83,9 84,0 60 669,5 492,5 25 86,0 85,5 61 694,2 526,3 26 88,6 85,7 62 718,9 560,1 27 91,2 85,9 63 761,7 593,9 28 93,8 86,1 64 792,9 627,7 29 96,4 86,3 65 792,9 661,5 30 99,0 86,5 66 792,9 689,2 31 105,9 91,3 67 792,9 716,9 32 112,8 96,1 68 792,9 744,6 33 119,7 100,9 69 792,9 772,3 34 126,6 105,7 70 792,9 772,3 35 133,5 110,5

1,2 Bien phi tri)i (EM Loading) Ltru Y: nham muc dich trinh bay ngan gn Biau phi trOl caa cac san pham, cac bang sau day chi dugc thrill bay tai ffing 5 tuoi imat

(Don vi: phan ngan)

TuOi Phan tram ty ia tilt vong b6 sung

Ngutri 'duce bao hiam nam Nguei dugc bao him nit 25% 50% 75% 100% 25% 50% 75% 100%

0 7,50 15,00 22,50 30,00 6,00 12,00 18,00 24,00 5 7,50 15,00 22,50 30,00 6,50 13,00 19,50 26,00

10 7,50 15,00 22,50 30,00 7,00 14,00 21,00 28,00 15 8,50 17,00 25,50 34,00 9,00 18,00 27,00 36,00 20 9,50 19,00 28,50 38,00 9,50 19,00 28,50 38,00 25 12,00 24,00 36,00 48,00 11,50 23,00 34,50 46,00 30 14,00 28,00 42,00 56,00 12,50 25,00 37,50 50,00 35 19,00 38,00 57,00 76,00 13,50 27,00 40,50 54,00 40 38,00 76,00 114,00 152,00 21,00 42,00 63,00 84,00 45 49,00 98,00 147,00 196,00 48,50 97,00 145,50 194,00 50 64,50 129,00 193,50 258,00 50,00 100,00 150,00 200,00 55 76,50 153,00 229,50 306,00 61,00 122,00 183,00 244,00 60 84,50 169,00 253,50 338,00 76,50 153,00 229,50 306,00 65 94,10 188,20 282,30 376,40 81,00 162,00 243,00 324,00 70 139,60 279,20 418,80 558,40 114,20 228,40 342,60 456,80

1,3 He so dieu chinh thiri hnn bito him duti chuan

Chi tieu rai ro dual chuan theo sac Ichoe / nghe nghiep (Per mule loading) cO the co thai han bang dai hon thei han dong phi.

D6i voi sanpham &mg phi m6t Lan, C6ng ty clieu chinh lai phi tr0i bang he s6 chi tieu rai ro dual chuan nhan menh gia va thu phi mOt lan.

Dan vi: n an)

Thai han

He so chi tieu rai ro dual chuen 1 2 3 4 5 6 7 8 9 10

1 1,30 2,70 4,00 5,30 6,70 8,00 9,30 10,70 12,00 13,30 2 2,60 5,30 7,90 10,50 13,10 15,80 18,40 21,00 23,70 26,30 3 3,90 7,80 11,70 15,50 19,40 23,30 27,20 31,10 35,00 38,80 4 5,10 10,20 15,30 20,40 25,50 30,60 35,70 40,80 45,90 51,00 5 6,30 12,60 18,90 25,20 31,40 37,70 44,00 50,30 56,60 62,90 6 7,40 14,90 22,30 29,80 37,20 44,60 52,10 59,50 67,00 74,40 7 8,60 17,10 25,70 34,30 42,80 51,40 60,00 68,50 77,10 85,70 8 9,70 19,30 29,00 38,70 48,40 58,00 67,70 77,40 87,10 96,70 9 10,80 21,50 32,30 43,00 53,80 64,50 75,30 86,10 96,80 107,60 10 11,80 23,60 35,50 47,30 59,10 70,90 82,70 94,60 106,40 118,20 11 12,90 25,70 38,60 51,40 64,30 77,20 90,00 102,90 115,70 128,60 12 13,90 27,80 41,70 55,60 69,50 83,40 97,20 111,10 125,00 138,90 13 14,90 29,80 44,70 59,70 74,60 89,50 104,40 119,30 134,20 149,10 14 15,90 31,80 47,80 63,70 79,60 95,50 111,50 127,40 143,30 159,20 15 16,90 33,90 50,80 67,70 84,60 101,60 118,50 135,40 152,30 169,30 16 17,90 35,80 53,80 71,70 89,60 107,50 125,40 143,30 161,30 179,20

17 18,90 37,80 56,70 75,60 94,50 113,40 132,30 151,20 170,10 189,00

18 19,90 39,70 59,60 79,50 99,30 119,20 139,10 159,00 178,80 198,70

19 20,80 41,70 62,50 83,30 104,20 125,00 145,80 166,70 187,50 208,30

20 21,80 43,60 65,40 87,10 108,90 130,70 152,50 174,30 196,10 217,80

Nam Nit Tar

0,77 0,75 0,73 0,71 0,70 0,69 0,68 0,70

0,93 0,88

6 0.83 7 0.78 8 0,75 9 0.74 10 0,75 11 0.81 1 2 0,92 13 1,07 14 1,24

21

1,03 1,06

1,90

1,08 1,10 1,12 1,15 1,17 1,20 1,24 1,28

Tula Nam Nit

35 2,17 1,70 36 2,32 1,82 37 2,49 1,96 38 2,68 2,13 39 2,90 2,32 40 3,15 2,53 41 3,42 2,75 42 3,71 2,98 43 4,03 3,20

44 4,37 3,44 45 4,73 3,68 46 5,12 3,92 47 5,53 4,19 48 5,97 4,48 49 6,46 4,79 50 7,00 5,13 51 7,63 5,50 52 8,33 5,92 53 9,13 6,38 54 10,01 6,85 55 10,96 7,33 56 11,97 7,80 57 13,04 8,25 58 14,18 8,70 59 15,42 9,20 60 16,80 9,80

61 18,36 10,54 62 20,12 11,49 63 22,09 12,63 64 24,27 13,92 65 26,62 15,29 66 29,13 16,71 67 31,79 18,13 68 34,65 19,59

Tad Nam Nit

70 41,37 23,16 71 45,43 25,53 72 50,08 28,47 73 55,34 31,99 74 61,10 36,05 75 67,25 40,56 76 73,70 45,45 77 80,37 50,68 78 87,32 56,32 79 94,76 62,57 80 102,94 69,67 81 112,09 77,83 82 122,41 87,25 83 133,84 97,90 84 146,12 109,62 85 158,98 122,29 86 172,21 135,82 87 185,73 150,18 88 199,53 165,38 89 213,69 181,54 90 228,43 198,85 91 244,11 217,68 92 261,43 238,69 93 282,13 263,41 94 309,97 295,23 95 351,86 341,02 96 420,99 413,88 97 541,00 537,24 98 745,15 743,96 99 1.000,00 1.000,00

%N.

1,88 0,84 0,80 0,78 3

2,63 1,03 0,99 0,97

15 1,42 0,87 16 1,59 0,92 17 1.72 0,96 18 1,82 1,00

0,73 0,77 0,82

1.72 1,32

1,75 1.37

1,80 1.42

1.87 1.47

33 1,95 1,54

1,88 22 1,84 23 1,80 24 1,75 1,72 1,71

25 26 27 28 29 30 31 32

1,70

19 1,88 20 1,90

BANG Tt LE PH! BAO RIEM Rill RO TO' VONG HOi.iC THIICING Tig TOAN BO VA ViNH \TIEN

(Dirge phe chuan theo COng Van s6 8443/BTC-QLBH ngay 16 thang 07 narn 2018 dm BO Tai Chinh)

1. Bang ty le phi bao hi'em rai ro ter vong hoc thuong tat toan b0 va vinh vin áp ding cho NDBH c6 sue lchOe chuan (don vi: phin ngan)

34 2,05 1,61 69 37,81 21,23 2. TS, 16 phi bao hitm rUi ro tir vong do tai nn nang cao áp dung cho NDBH c6 sire Ich6e chart:

0,6 phan ngan.