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MODEL FIRE AND SPBCIAL PERILS POLICY(Material Damage)
. (Promulgatedwith Decision No: 3123 /2015/QD/TGE/BHBVdqted 24th September, 2015 of BaoViet Insurance Corporation's Chairman of the Members'
Council cum Chief Executive Offcer)
The Insurer (herein called BAOVIET) agrees (subject to the terms, definition, exclusions, provisions
and conditions of this policy) that if after payment of the agreed premium any of the PropertyInsured described in the Schedule be lost destroyed or damaged by any of the perils specified in the
Schedule during the period of insurance (or any subsequent period for which BAOVIET accepts a
renewal premium) BAOVIET will pay to Insured the value of the property at the time of its loss ordestruction or the amount of the damage or at BAOVIET's option reinstate or replace such properfy
or any part of it.
Provided that the liability of BAOVIET under this policy shall not exceed
(i) in the whole the total sum insured or in respect of any item its sum insured at the time of the
loss destruction or damage
(ii) the sum insured remaining after deduction for any other loss destruction or damage occurringduring the same period of insurance, unless BAOVIET shall have agreed to reinstate any such
sum insured
DEFIMTION
The word "DAMAGE" in capital letter shall mean loss or destruction of or damage the property
used by the Insured at the Premises for the purpose of the Business.
"Deductible" is the amount stated in the Schedule which the insured must bear in respect of each and
every loss after the application of condition of Average.
PERILS
A. FIRE (whether resulting from explosion or otherwise) excluding:
Earthquake, volcanic eruption or other convulsion ofnature
DAMAGE occasioned by
(D its own spontaneous fermentation or heating, or
(ii) its undergoing any process involving the application of heat;
t,ll o.
Fl\ \
(a)
(b)
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(c) Any DAMAGE occasioned by or through or in consequence of the burning, whether accidentalor otherwise, of forests, bush, prairie, pampas or jungle, and the clearing of lands by fire.
LIGHTNING
EXPLOSION
(i) of boilers
(ii) of gas
used for domestic purposes only
but excluding DAMAGE caused by earthquake or subterranean fire
B. DPLOSION excluding DAMAGE
(a) caused by or consisting of the bursting by steam pressure of a boiler economiser or other vesselmachine or apparatus in which intemal pressure is due to steam only and belonging to or underthe control ofthe Insured
(b) in respect of and originating in any vessel machinery or apparatus, or its contents, belonging toor under the control of the Insured which requires to be examined to comply with any StatutoryRegulations unless such vessel machinery or apparatus shall be the subject of a policy or othercontract providing the required inspection service
(c) by fire resulting from explosion
(d) bV explosion
(i) of boilers
(ii) ofgas
used for domestic purposes only
(e) by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonicspeeds.
C. AIRCRAFT or other aerial devices or articles dropped therefrom excluding DAMAGE
(a) by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonicspeeds
(b) by fire
D. RIOT CryIL COMMOTION STRIKERS LOCKED-OUT WORKERS or persons takingpart in labour disturbances or MALIcIous PERSONS excludins
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(a) DAMAGE arising from confiscation requisition or destruction by order of the government orany public authority
(b) DAMAGE arising from cessation of work
(c) DAMAGE by fire caused by Strikers Locked-out Workers or persons taking part in labourdisturbances or Malicious Persons
(d) As regards of DAMAGE (other than by fire or explosion) directly caused by Malicious Persons
not acting on behalf of or in connection with any political organisation /
(i) DAMAGE by theft or attempted theft 7
(iD DAMAGE in respect of any building which is empty or not in use ii(iii) The deductible of each and every loss as ascertained after the application of any condition \
of Average (Underinsurance) i
E. EARTIIQUAKE
F. STORM AND TEMPEST excluding DAMAGE
(a) Caused by
(r) the escape of water from the normal confines of any natural or artificial water course orlake reservoir canal or dam or any water apparatus or pipes.
(ii) inundation from the sea
whether resulting from storm, or otherwise.
(b) caused by frost, subsidence or landslip.
(c) to awnings, blinds, signs or other outdoor fixtures and fittingg gates and fences moveableproperty in the open.
(d) to premises in course of construction, alteration or repair except when all outside doors,windows and other openings are complete and protected against stonn tempest.
(e) by water or rain other than by water or rain entering the building through open made in its fabricby the direct force of the storm or tempest.
G. STORM, TEMPEST AI\D FLOOD excluding DAMAGE
(a) caused by frost, subsidence or landslip
(b) to awnings, blinds, signs or other outdoor fixtures and fittings, gates and fences moveableproperty in the open.
Page3l9
(c) to premises in course of construction, alteration or repair except when all outside doors,windows and other openings are complete and protected against storm or tempest.
(d) by rain except rain entering the building through openings made in its fabric by direct force ofthe storm or tempest.
(e) resulting from the escape of water from any tank apparatus or pipe.
H. ESCAPE OF WATER from any tank, apparatus or pipes excluding
(a) DAMAGE by water discharged or leaking from an installation of automatic sprinklers.
(b) DAMAGE in respect of any building which is empty or not in use.
L IMPACT by any road vehicle or animal not belonging to or under the control of
(a) the Insured or any occupier of the premises, or
(b) their respective employees whilst acting in the course of their employment
J. ACCIDENTAL ESCAPE OF WATER FROM At\rY AUTOMATIC SPRINKLERINSTALLATION in the premises not caused by
(a) freezing whilst the building in so far as it is in the Insured's ownership or tenancy is empty ornot in use
(b) explosion earthquake subterranean fire or heat caused by fire
GEhIERAL EXCLUSIONS TO TIIE PERILS
This Policy does not cover:
I. DAMAGE
(a) occasioned by
(D riot, civil commotion, strikers or locked-out workers unless these perils are specified theSchedule and then only to the extent stated.
(ii) war, invasion, act of foreign enemy, hostilities or warlike operations (whether was bedeclared or not), civil war.
(iii) mutiny, military or popular uprising, insurrection, rebellion, revolution, military usurpedpower, martial law or state of siege or any of the events or causes which determine theproclamation or maintenance of martial law or state of siege, confiscation, commandeering,requisition or nationalization, sabotage and/or acts of terrorism committed by a person orpersons acting on behalf of or in connection with any organisation ("terrorism" means theuse of violence for political ends and shall include and use of violence for the purpose ofputting the public or any section of the public in fear).
Page 419
(b) to any properly whatsoever or any loss or expenses whatsoever resulting or arising therefrom orany consequential loss directly or indirectly caused by or contributed to by arising from
(i) any nuclear weapons material
(ii) Voluntary or involuntary use ofmissiles and/or any kind of warlike weapons.
(iii) ionizing radiation or contamination by radioactivity from any nuclear fuel or from anynuclear waste from the combustion of nuclear fuel. Solely for the purpose or this exclusion"combustion" shall include any self-sustaining process of nuclear fission.
(c) to any electrical machine, apparatus, or any portion of the electrical installation arising from oroccasioned by or over-running, excessive pressure, short circuiting, self heating, arcing orleakage of electricity arising from whatever cause (lightning included).
Provided that this exclusion shall only apply to the particular machine, apparatus, or portion ofthe electrical installation destroyed or damaged bv fire set up by such particular rnachine,apparatus or other electrical installation.
(d) caused by pollution or contamination except (unless otherwise excluded) DAMAGE to theProperty Insured caused by
(i) pollution or contamination which itself results from a peril hereby insured against.
(ii) any Peril hereby insured against which itself result from pollution or contamination.
2.
(a) Goods held in trust or on commission, bullion or unset precious, stones, money (coined orpaper)' cheques, securities, obligations, stamps, documents, manuscripts, business books,compwer system records, patterns, models, moulds, plans, drawings or designs, explosives,unless specially mentioned as insured by this policy;
(b) DAMAGE to property which, at the time of happening of such DAMAGE, is insured by, orwould' but for the existence of this Policy, be insured uv *v marine policy or policies, exceptin respect of any excess beyond the amount which would have been payable under the marinepolicy or policies had this insurance not been effected.
3' consequential loss or damage of any kind or description except loss of rent when such loss isincluded in the cover under the policy.
GENERAL PROVISIONS
Condition of Average (Underinsurance)
The sum insured by each item (under each column) of this policy (other than those applying solelyto fees' rent, removal of debris or private dwelling housesj is declared to be separately subject toAverage.
-
.(
,i
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Whenever a sum insured is declared to be subject to Average, if such sum shall at the
commencement of any DAMAGE be less than the value of the property covered within such sum
insured, the amount payable by BAOVIET in respect of such DAMAGE shall be proportionately
reduced.
GENERAL CONDITIONS
1. Identification
This Policy and the Schedule and Specification (which form an integral part of this Policy) shall be
read together as one contract and words and expressions to which specific-meanings have been
attached in any part of this Policy or of the Schedule or Specification shall bear such specific
meanings wherever they may appear.
2. Policy voidable
This Policy shall be voidable by BAOVIET in the event of misrepresentation, misdescription or
non-disclosure in any material particular by the Insured.
3. Alteration and Removals
Under any of the following circumstances the insurance ceases to attach as regards the property
affected unless the Insured, before the occurrence of any DAMAGE, has obtained the sanction ofBAOVIET signified by endorsement upon the Policy, by or on behalf ofBAOVIET:
(a) If the trade manufacture carried is altered, or if the nature of the occupation of or other
circumstances affecting the building insured or containing the property insured is changed in
such a way as to increase the risk of DAMAGE by any ofthe perils insured;
(b) If any of the buildings insured or containing the property insured become unoccupied and so
remain for a period of more than 30 days;
(c) If the Property Insured is removed to any building or place other than that in which it is herein
stated to be insured;
(d) If the interest in the hoperty Insured passes from the Insured otherwise than by will or
operation of law.
4. Cancellation
This Policy may be terminated at any time at the request of the Insured, in which case BAOVIET
will retain the customary short period rate for the time the Policy has been in force. This policy may
also be terminated at any time at the option BAOVIET, on notice to that effect being given to the
Insured, in which case BAOVIET shall be liable to repay on demand a rateable proportion of the
premium for the unexpired term from the date of the cancellation.
5. Warranties
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Every warranty to which the Property Insured or any item thereof is, or may be made subject, shallfrom the time the warranty attached apply and continue to be in force during the whole currency ofthis Policy, and non-compliance with any such warranty shall be a bar to any clam in respect of suchproperty or item, provided that whenever this Policy is renewed a claim in respect of DAMAGEoccuning during the renewal period shall not be barred by reason of a warranty not having beencomplied with at any time before commencement of such period.
6. Reasonable Precautions
The Insured shall maintain the Property Insured in a proper state of repair and shall take allreasonable precautions to prevent DAMAGE thereto.
CLAIMS CONDITIONS
1. Action by the Insured:
If any event giving rise to or likely to give rise to a claim under this Policy comes to his knowledgethe Insured shall:
(a) immediately
(i) take steps to minimize the loss or damage and recover any missing property
(ii) give notice in writing to BAOVIET and
(iii) give notice to the police in the event of deliberate of malicious damage
(b) within 30 days or such further time as BAOVIET may in writing allow deliver to BAOVIET
(D a claim in writing for the loss or damage containing as particular an account as may byreasonably practical of all the several articles or items of property lost or damaged and the
amount of loss or damage thereto respectively, having regard to their value at the time ofthe loss or damage.
(ii) particulars of all other insurance if any (7 days in the case of DAMAGE caused by riot civilcommotion strikers locked-out workers or persons taking part in labour disturbances ormalicious persons).
The Insured shall at all times at his own expense produce, procure and give to BAOVIET all such
further particulars, plans, specifications, books, vouchers, invoices, duplicates or copies thereof,
documents, proofs and information with respect to the claim and the origin and cause of the loss or
damage and the circumstances under which the loss of damage occurred, and any matter touching
the liability or the amount of liability of BAOVIET as may be reasonably required by or on behalf ofBAOVIET together with a declaration on oath or in other legal form of the truth of the claim and
any matters connected therewith.
2. Forfeiture:
I
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All benefit under the Polity shall be forfeited if any claim made is in any respect fraudulent or ifany fraudulent means or devices are used by the Insured or any one acting on his behalf toobtain benefit under this Policy or if any DAMAGE is caused by the willful act or with theconnivance of the Insured.
Benefit under the Policy shall be forfeited in respect of any claim
(D made and rejected if an action or suit be not commenced within twelve months after suchrejection,
or
(ii) where arbitration takes place in pursuance of Claims Condition 7 of this policy and anaction or suit be not commenced within twelve months after the arbitrator or arbitrators orumpire shall have made their award.
3. Reinstatement
BAOVIET may at its option, repair or replace the property damaged destoyed, or any part thereof,,instead of paying the amount of the loss or damage, or may join with any other Company or Insurersin so doing, but BAoVIET shall not be bound to repair exactly or completely, but only ascircumstances permit and in reasonably suffrcient.u-.., and in no case shall BAOMET be boundto expend more in repair than it would have cost to repair such property as it was at the time of theoccunence of such loss or damage, nor more than the sum insured thereon.
If BAOVIET so elects to repair or replace any property the Insured shall, at his own expense,furnish BAOVIET with such plans, specifications, measurements, quantities and such otherparticulars as BAoVIET may require, and no acts done, or caused to be done by BAoVIET with aview to repair or replacement shall be deemed an election by BAOVIET to repair or replace.
If in any case BAoVIET shall be unable to repair or replace the property Insured, because of anymunicipal or other regulations in force affecting the alignment of streets, or the construction ofbuildings, or otherwise, BAOVIET shall, in every such case, only be liable to pay such sums aswould be required to repair or replace such property if the same could lawfully be repaired to itsformer condition.
4. Rights of BAOWET foflowing a claim
on the happening of DAMAGE in respect of which a claim is made BAOVIET and any personauthorised by BAOvIET may without hereby incurring any liability or diminishing any ofBAOVIET's rights under this policy
(a) enter take or keep possession of the premises where such DAMAGE has occurred
(b) take possession of or require to be delivered to BAOVIET any property Insured and deal withsuch Properfi, for all reasonable purposes and in any reasonable manner.
No properly may be abandoned to BAovIET whether taken possession of by BAOVIET or not.
(a)
(b)
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5. Contribution and Average
If at the time of any DAMAGE there is any other insurance effected by or on behalf of the Insuredcovering any of the property lost destroyed or damaged the liability of BAOVIET hereunder shall beIimited to its rateable proportion of such DAMAGE.
Ifany such other insurance shall be subject to any average (underinsurance) condition this policy ifnot already subject to any such condition ofaverage shall be subject to average in like manner.
If any such other insurance is subject to any provision whereby it is excluded from rankingconcurrently with this policy either in whole or in part or from contributing rateably the liability ofBAOVIET under this policy shall be limited to that proportion of the DAMAGE which the suminsured under this policy bears to the value of the property.
6. Subrogation
Any claimant under this Policy shall at the request and at the expense of BAOVIET do and concurin doing and permit to be done all such acts and things as may be necessary or reasonably requiredby BAOVIET for the purpose of enforcing any rights and remedies, or of obtaining relief orindemnity from other partied to which BAOVIET making good any destruction or damage underthis Policy, whether such acts and things shall be or become necessary or required before or after hisindemnification by BAOVIET.
7. Arbitration
If any difference arises as to the amount to be paid under this policy (liability being otherwiseadmitted) such difference shall be referred to an arbitrator to be appointed by the parties inaccordance with statutory provisions. Where any difference is by this condition to be referred toarbitration the making of an award shall be a condition precedent to any right of action against theInsurer.
8. Contracting Purchaser's Interest
If at the time of DAMAGE the Insured shall have contracted to sell the interest of the Insured in any
building hereby insured and the purchased shall not have been but shall be thereafter completed, thepurchaser on completion of the purchase (if and so far as the property is not otherwise insuredagainst DAMAGE by the purchaser or on behalf of the purchaser) shall be entitled to benefit underthis Policy without prejudice to the rights and liabilities of the Insured or BAOVIET untilcompletion.
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MODEL FIRE AND SPECIAL PERILS POLICY(Consequential loss)
.(Promulgated with Decision No: 3 I 23 /20 I 5/}E/TGE/BHBVdated 24'" September, 2015 of BaoViet Insurance Corporation's Chairman of the
Members'Council cum Chief Executive Officer)
jThe Insurer (herein called BAOVIET) agrees (subject to the terms, definition, exclusions and .(conditions of this policy) that if after payment of the agreed premium any building or other A
property used by the Insured at the Premises for the purpose of the business be lost destroyed or {damaged by any of the perils specified in the Schedule during the period of insurance (or anysubsequent period for which the Insurer accepts a renewal premium) and in consequence the -,
business carried out by the Insured at the Premises be intemrpted or interfered with then the =
Insurer will pay to the Insured in respect of each item in the Schedule the amount of lossresulting from such intemrption or interference provided that
l. At the time of the happening of the loss destruction or damage there shall be in force aninsurance covering the interest of the Insured in the property at the Premises against suchloss destruction or damage and that
(i) payment shall have been made or liability admitted therefore, or(ii) payment would have been made or liability admitted therefore but for the operation of a
proviso in such insurance excluding liability for losses below a specified amount
2. The liability of Insurer under this Policy shall not exceed
(D in the whole the total sum insured or in respect of any item its sum insured at the time ofthe loss destruction or damage
(ii) the sum insured remaining after deduction for any other intemrption or interferenceconsequent upon loss destruction or damage occurring during the same period ofinsurance, unless BAOVIET shall have agreed to reinstate any such sum insured.
DEFINITION
The word "damage" shall mean loss or destruction of or damage the property used by the Insuredat the Premises for the purpose of the Business.
The words "CONSEQUENTIAL LOSS", in capital letters, shall mean loss resulting fromintemrption of or interference with the Business carried on by the Insured at the Premises inconsequence of loss or destruction of or damage to properfy used by the Insured at the Premisesfor the purpose of the Business.
Page 1lI3
PERILS
A. FrRE (whether resulting from explosion or otherwise) excluding
(a) earthquake, volcanic eruption or other convulsion of nature
(b) CONSEQUENTIAL LOSS occasioned by
(i) its own spontaneous fermentation or heating, or
(ii) its undergoing any process involving the application of heat;
(c) any CONSEQUENTIAL LOSS occasioned by or through or in consequence of the burning,whether accidental or otherwise, of forests, bush, prairie, pampas or jungle, and the clearingof lands by fire.
LIGHTNING
EXPLOSION
(a) Ofboilers
(b) Ofgas
used for domestic purposes onlybut excluding CONSEQLENTIAL LOSS caused by earthquakeor subterranean fire
B. EXPLOSION excluding CONSEeUENTIAL LOSS
(a) caused by or consisting of the bursting by steam pressure of a boiler economizer or othervessel machine or apparatus in which intemal pressure is due to steam only and belonging toor under the control ofthe Insured
(b) in respect of and originating in any vessel machinery or apparatus, or its contents, belongingto or under the control of the Insured which requires to be examined to comply with anyStatutory Regulations unless such vessel machinery or apparatus shall be the subject of apolicy or other confact providing the required inspection service
by fire resulting from explosion
by explosion
(i) ofboilers
(ii) of gas
used for domestic purposes only
(c)
(d)
Page 2/13
(e) by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic
speeds
C. AIRCRAFT or other aerial devices or articles dropped therefrom excludingCONSEQUENTTAL LOSS
(a) by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic
speeds
(b) by fire :
D. RIOT CML COMMOTION STRIKERS LOCKED-OUT WORKERS or persons i
taking part in labour disturbances or MALICIOUS PERSONS excluding )CONSEQLJENTTAL LOSS '(
(a) arising from confiscation requisition or destruction by order of the government or any public iauthority 4
(b) arising from cessation ofwork
(c) by fire caused by Strikers Locked-out Workers or persons taking part in labour disturbances
or Malicious Persons
(d) directly caused (other than by fire or explosion) by Malicious Persons not acting on behalf ofor in connection with any political organisation
(i) by theft or attempted theft
(ii) in respect of any building which is empty or not in use
(ii) The deductible of each and every loss as ascertained after the application of any
condition of Average (Underinsurance)
E. EARTHQUAKE
F. STORM AI\D TEMPEST excluding CONSEQUENTIAL LOSS
(a) caused by
(i) the escape of water from the normal confines of any natural or artificial water course or
lake reservoir canal or dam or any water apparatus or pipes.
(ii) inundation from the sea
whether resulting from storm, or otherwise.
(b) caused by frost, subsidence or landslip.
Page3ll3
(c) to awnings, blinds, signs or other outdoor fixtures and fittings, gates and fences moveableproperty in the open.
(d) to premises in course of construction, alteration or repair except when all outside doors,windows and other openings are complete and protected against storm tempest.
(e) by water or rain other than by water or rain entering the building through open made in itsfabric by the direct force of the storm or tempest.
G. STORM, TEMPEST AI\D FLOOD excluding CONSEQUENTIAL LOSS
(a) caused by frost, subsidence or landslip
(b) to awnings, blinds, signs or other outdoor fixtures and fittings, gates and fences moveableproperty in the open
(c) to premises in course of construction, alteration or repair except when all outside doors,windows and other openings are complete and protected against storm or tempest.
(d) by rain expect rain entering the building through openings made in its fabric by direct forceof the storm or tempest.
(e) resulting from the escape of water from any tank apparatus or pipe.
H. ESCAPE OF WATER FROM AI\[Y TAI{K, APPARATUS OR PIPES excludingCONSEQUENTIAL LOSS
(a) by water discharged or leaking from an installation of automatic sprinklers.
(b) in respect of any building which is empty or not in use.
I. IMPACT by any road vehicle or animal not belonging to or under the control of
(a) the Insured or any occupier of the premises, or
(b) their respective employees whilst acting in the course of their employment
J. ACCIDENTAL ESCAPE OF WATER FROM AIIY AUTOMATIC SPRII\KLERINSTALLATION in the premises not caused by
(a) freezing whilst the building in so far as it is in the Insured's ownership or tenancy is emptyor not in use
I(b) explosion earthquake subterranean fire orheat caused by fire
GENERAL EXCLUSIONS TO THE PERILS
This Policy does not cover:
Page 4ll3
l. CONSEQUENTTAL LOSS
(a) occasioned by
(i) riot, civil commotion, strikers or locked-out workers unless these perils are specified the
Schedule and then only to the extent stated.
(ii) war, invasion, act of foreign enemy, hostilities or warlike operations (whether was be
declared or not), civil war.
(iii) mutiny, military or popular uprising, insurrection, rebellion, revolution, military usurped
power, martial law or state of siege or any of the events or causes which determine the
proclamation or maintenance of martial law or state of siege, confiscation,
commandeering, requisition or nationalization, sabotage and/or acts of terrorism
committed by a person or persons acting on behalf of or in connection with any
organisation ("tenorism" means the use of violence for political ends and shall include
and use of violence for the purpose of putting the public or any section of the public in
fear).
(b) to any property whatsoever or any loss or expenses whatsoever resulting or arising therefrom
or any consequential loss directly or indirectly caused by or contributed to by arising from
(D any nuclear weapons material
(ii) voluntary or involuntary use of missiles and/or any kind of warlike weapons
(iii) ionizing radiation or contamination by radioactivity from any nuclear fuel or from any
nuclear waste from the combustion of nuclear fuel. Solely for the purpose or this
exclusion "combustion" shall include any self-sustaining process of nuclear fission.
(c) to any electrical machine, apparatus, or any portion of the electrical installation arising from
or occasioned by or over-running, excessive pressure, short circuiting, self heating, arcing or
leakage of electricity arising from whatever cause (lightning included).
Provided that this exclusion shall only apply to the particular machine, apparatus, or portion
of the electrical installation destroyed or damaged by fire set up by such particular machine,
apparatus or other electrical installation.
(d) caused by pollution or contamination except (unless otherwise excluded) damage to the
Property Insured caused by
(i) pollution or contamination which itself results from a Peril hereby insured against.
(ii) any Peril hereby insured against which itself result from pollution or contamination.
2.
,.
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Page 5lI3
(a) Goods held in trust or on commission, bullion or unset precious, stones, money (coined orpaper), cheques, securities, obligations, stamps, documents, manuscripts, business books,computer system records, pattems, models, moulds, plans, drawings or designs, explosives,unless specially mentioned as insured by this policy;
(b) CONSEQUENTIAL LOSS to properfy which, at the time of happening of such damage, isinsured by, or would, but for the existence of this Policy, be insured by any marine policy orpolicies, except in respect of any excess beyond the amount which would have been payableunder the marine policy or policies had this insurance not been effected.
GENERAL CONDITIONS
1. Identification
This Policy and the Schedule and Specification (which form an integral part of this Policy) shallbe read together as one contract and words and expressions to which specific-meanings havebeen attached in any part of this Policy or of the Schedule or Specification shall bear suchspecific meanings wherever they may appear.
2. Policy Voidable
This Policy shall be voidable by BAOVIET in the event of misrepresentation, misdescription ornon-disclosure in any material particular by the Insured.
3. Alteration
This policy shall cease if after the commencement of this insurance
(a) the Business is wound up or carried on by a liquidator or receiver or pennanentlydiscontinued or
O) the interest of the Insured ceases other than by death or(c) any alteration is made either in the Business or in the Premises or property therein when the
risk of damage is increased unless admitted by BAovIET in writing.
4. Cancellation
This Policy may be terminated at any time at the request of the Insured, in which case BAOVIETwill retain the customary short period rate for the time the Policy has been in force. This policymay also be terminated at any time at the option BAOVIET, on notice to that effect being givento the Insured, in which case BAOVIET shall be liable to repay on demand a ratable proportionof the premium for the unexpired term from the date of the cancellation.
CLAIMS CONDITIONS
1. Action by the Insured
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1.1 in the event of any damage in consequence of which a claim is or may be made under this
policy the Insured shall:
(a) notiff BAOVIET immediately
(b) deliver to BAOVIET at the Insured's expense within 7 days of its happening full details ofloss destruction or damage caused by riot civil commotion strikers locked-out workers
persons taking part in labour disturbances or malicious persons
(c) with due diligence carry out and permit to be taken any action which may be reasonably
practicable to minimise or check any intemrption of or interference with the Business or to
avoid or diminish the loss.
1.2 inthe event of a claim being made under this policy the Insured at his own expense shall:
(a) not later than 30 days after the expiry of the Indemnity Period or within such further time as
BAOVIET may allow, deliver to BAOVIET in writing particulars of his claim together with
details of all other insurances covering the property used by the Insured at the Premises for
the purpose of the Business or any part of it or any resulting consequential loss
(b) deliver to BAOVIET such books of account and other business books vouchers invoices
balance sheets and other documents proofs information explanation and other evidence as
may be reasonably required by BAOVIET for the purpose of investigating or verifiing the
claim together with, if demanded, a statutory declaration of the truth of the claim and of any
matters connected with it.
2. Forfeiture:
(a) All benefit under the Polity shall be forfeited if any claim made is in any respect fraudulent
or if any fraudulent means or devices are used by the Insured or any one acting on his behalf
to obtain benefit under this Policy or if any loss destruction or damage to property used by
the Insured at the Premises for the purpose of the Business is caused by the willful act or
with the connivance of the Insured.
(b) Benefit under the Policy shall be forfeited in respect of any claim
(D made and rejected if an action or suit be not commenced within twelve months after
such rejection,
or
(ii) where arbitration takes place in pursuance of Claims Condition 5 of this Policy and an
action or suit be not commenced within twelve months after the arbitrator or arbitrators
or umpire shall have made their award.
3. Contribution
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I
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Page 7ll3
If at the time of any damge resulting in a loss under this policy there be any other insuranceeffected by or on behalf of the Insured covering such loss or part of it, the liability of BAOVIEThereunder shall be limited to its ratable proportion of BAOVIET hereunder shall limited to itsratable proportion of such damage.
4. Subrogation:
Any claimant under this Policy shall at the request and at the expense of BAOVIET do andconcur in doing and permit to be done all such acts and things as may be necessary or reasonablyrequired by BAOVIET for the purpose of enforcing any rights and remedies, or of obtainingrelief or indemnity from other parties to which BAOVIET making good any destruction ordamage under this Policy, whether such acts and things shall be or become necessary or requiredbefore or after his indemnification by BAOVIET.
5. Arbitration
If any difference arises as to the amount to be paid under this policy (iability being otherwiseadmitted) such difference shall be referred to an arbitrator to be appointed by the parties inaccordance with statutory provisions. Where any difference is by this condition to be referred toarbihation the making of an award shall be a condition precedent to any right of action againstBAOVIET.
SPECIFICATION 1: GROSS PROFIT (DIFFENRENCE BASIS)
On Gross Profit
The insurance under this item is limited to loss of Gross Profit due to (a) REDUCTION INTURNOVER AND (b) INCREASE IN COST OF WORKING and the amount payable asindemnity thereunder shall be:
(a) IN RESPECT OF REDUCTION IN TURNOVER: the sum produced by applying the Rateof Gross Profit to the amount by which the Tumover during the Indemnity period shall, inconsequence of the DAMAGE, fall short of the Standard Turnover.
(b) IN RESPECT OF INCREASE IN COST OF WORKING: the additional expendirure(subject to the provisions of the Uninsured Standing Charges Clause) necessarily andreasonably incurred for the sole purpose of avoiding or diminishing the reduction inTurnover which but for that expenditure would have taken place during the Indemnity periodin consequence of the damage, but not exceeding the sum produced be applying the Rate ofGross Profit to the amount of the reduction thereby avoided
less any sum saved during the Indemnity Period in respect of such of the charges and expenses ofthe Business payable out of Gross Profit as may cease or be reduced in consequence of thedamage
provided that if the sum insured by this item be less than the sum produced by applying the Rate
Page {J/13
of Gross Profit to the Annual Turnover (or to a proportionately increased multiple thereof wherethe Maximum Indemnity Period exceeds twelve months) the amount payable shall be
proportionately reduced.
Definitions
Note l: To the extent that the Insured is accountable to the tax authorities for Value Added Tax.
all terms in this Policy shall be exclusive of such tax.
Note 2: For the purpose of these definitions, any adjustment implemented in cunent cost
accounting shall be disregarded.
Indemnity Period: The period beginning with the occunence of the DAMAGE and ending not \
later than the Maximum Indemnity Period thereafter during which the results of the business ',
shall be affected in consequence of the DAMAGE. j
Maximum Indemnity Period: as stated in the Schedule
Turnover: The money paid or payable to the Insured for goods sold and delivered and forservices rendered in course of the Business at the Premises.
Gross Profit: The amount by which
(i) the sum of the amount of the Turnover and the amounts of the closing stock and work inprogress shall exceed
(ii) the sum of the amounts of the opening stock and work in progress and the amount of the
Uninsured Working Expenses.
Note: The amounts of the opening and closing stocks and work in progress shall be arrived at inaccordance with the Insured's normal accountancy methods, due provision being made fordepreciation.
Uninsured working expenses:
Purchases (less discounts received)
Carriage
Packing and Freight (other than by the Insured's own transport)
Discounts allowed
and as stated in the attached list.
Note: The words and expressions used in this definition shall have the meaning usually attached
to them in the books and accounts ofthe Insured.
Page 9/13
RATE OF GROSS PROFIT: The rate of gross
profit earned on the Turnover during the financialyear immediately before the date of the DAMAGE
ANNUAL TURNOVER: The Turnover during thetwelve months immediately before the date ofDAMAGE
STANDARD TURNOVER: The Tumover duringthat period in the twelve months immediatelybefore the date of the damage which corresponds
with the Indemnitv Period
to which such adjustments shall be made as
may be necessary to provide for the trend
of the Business and for variations in orother circumstances affecting the Business
either before or after the DAMAGE orwhich would have affected the Business
had the DAMAGE not occurred, and thatthe figures thus adjusted shall represent
nearly as may be reasonably practicable theresults which but for the DAMAGE wouldhave been obtained during the relativeperiod after the DAMAGE
UNINSURED STANDING CHARGES CLAUSE: If any standing charges of the Business be notinsured by this Policy (having been deducted in aniving at the Gross Profit as defined herein)then in computing the amount recoverable hereunder as Increase in Cost of Working thatproportion only of the additional expenditure shall be brought into account which the GrossProfit bears to the sum of the Gross Profit and the Uninsured Standing Charges.
ALTERNATIVE TRADING CLAUSE: If during the Indemnity Period goods shall be sold orservices shall be rendered elsewhere than at the Premises for the benefit of the Business either bythe Insured or by others on his behalf the money paid or payable in respect of such sales orservices shall be brought into account in aniving at the Tumover during the Indemnity Period.
PREMIUM ADruSTMENT CLAUSE: The premium paid hereon may be adjusted on receipt byBAOVIET of a declaration of Gross Profit earned during the financial year most nearlyconcurrent with the period of insurance, as reported by the Insured's auditors.
If any DAMAGE shall have occurred giving rise to a claim for loss of Gross Profit the abovementioned declaration shall be increased by BAOMET for the purpose of premium adjustmentby the amount by which the Gross Profit was reduced during the financial year solely inconsequence of the DAMAGE.
If the declaration (adjusted as provided for above and proportionately increased where theMaximum Indemnity Period exceed 12 months) is less than the sum insured on Gross Profit forthe relative period of insurance BAOVIET will allow a pro-rata return of premium not exceeding25%o of the premium paid.
SPECIFICATION 2: GROSS PROFIT (ADDITION BASIS)
On Gross Profit
The insurance under this item is limited to loss of Gross Profit due to (a) REDUCTION INTURNOVER and (b) INCREASE IN COST OF WORKING and the amount payable as
Page 10/13
indemnity thereunder shall be:
(a) IN RESPECT OF REDUCTION IN TURNOVER: the sum produced by applying the Rate
of Gross Profit to the amount by which the Tumover during the Indemnity Period shall, in
consequence of the Damage, fall short of the Standard Turnover;
(b) IN RESPECT OF INCREASE IN COST OF WORKING: the additional expenditure
(subject to the provisions of the Uninsured Standing Charges Clause) necessarily and
reasonably incurred for the sole purpose of avoiding or diminishing the reduction in
Tumover which but for that expenditure would have taken place during the Indemnity Period
in consequence of the Damage, but not exceeding the sum produced by applying the Rate ofGross Profit to the amount of the reduction thereby avoided;
less any sum saved during the Indemnity Period in respect of such of the charges and expenses ofthe Business payable out of Gross Profit as may cease or be reduced in consequence of the
Damage,
PROVIDED THAT if the Sum insured by this Item be less than the sum produced by applying
the Rate of Gross Profit to the Annual Turnover (or to a proportionally increased multiple thereof
where the Maximum Indemnity Period exceeds twelve months) the amount payable shall be
proportionately reduced.
DEFINITIONS
Note l: To the extent that the Insured is accountable to the tax authorities for Value Added Tax,
all terms in this Policy shall be exclusive of such tax.
Note 2: For the purpose of these definitions, any adjustment implemented in current cost
accounting shall be disregarded.
INDEMNITY PERIOD - The period beginning with the occurrence of the Damage and ending
not later than the Maximum Indemnity Period thereafter during which the results of the Business
shall be affected in consequence thereof, provided always that the Company is not liable for the
amount of loss arising during the time excess, such time excess to commence as from the
beginning of the intemrption of or interference with the Business resulting in a claim under this
Policy.
MAXIMUM INDEMNIry PERIOD - The period stated in the Schedule.
TURNOVER - The money paid or payable to the insured for goods sold and delivered and for
services rendered in course of the Business at the Premises.
GROSS PROFIT - The sum produced by adding to the Net Profit the amount of the Insured
Standing Charges, or if there be no Net Profit the amount of the Insured Standing Charges less
such a proportion of any net trading loss as the amount of the Insured Standing Charges bears to
all the standing charges of the Business.
Page I1.ll3
NET PROFIT - The net trading profit (exclusive of all capital receipts and accretions and alloutlay properly chargeable to capital) resulting from the Business of the Insured at the Premisesafter due provision has been made for all standing and other charges including depreciation, butbefore the deduction ofany taxation chargeable on profits.
INSURED STANDING CHARGES - As stated in the anached list.
Note: The words and expressions used in this definition (other than wages) shall have themeaning usually attached to them in the books and accounts of the Insured.
RATE OF GROSS PROFIT
The Rate of Gross Profit earned on the Turnover duringthe financial year immediately before the date of theDamage
ANNUAL TURNOVER
The Turnover during the twelve months immediatelybefore the date ofthe Damage
STANDARD TURNOVER
The Tumover during the period conesponding with theIndemnity Period in the twelve months immediatelybefore the date of the Damage appropriately adjustedwhere the Indemnity Period exceeds twelve months
to which such adjustments shall be
made as may be necessary to providefor the trend of the business and forvariations in or other circumstancesaffecting the Business either before orafter the Damage or which would haveaflected the Business had the Damagenot occurred so that the figures thusadjusted shall represent as nearly asmay reasonably practicable the resultswhich but for the Damage would havebeen obtained during the relativeperiod after the Damage.
SHORTAGE IN TURNOVER
The amount by which the Turnover during a period shall in consequence of the Damage fall shortof the part of the standard rumover which relates to that period.
ALTERNATIVE TRADING CLAUSE
If during the Indemnity Period goods shall be sold or services shall be rendered elsewhere than atthe hemises for the benefit of the Business either by the Insured or by others on his behalf themoney paid or payable in respect of such sales or services shall be brought into account inarriving at the Turnover during the Indemnity period.
TJNINSURED STANDING CI{ARGES CLAUSE
If any standing charges of the Business be not insured by this Policy (having been deducted inarriving at the Gross Profit as defined herein) then in computing the amount recoverablehereunder as increase in cost of working that proportion only of the additional expenditure shall
Page 12/13
be brought into account which the Gross Profit bears to the sum of the Gross Profit and all such
uninsured charges and expenses.
PREMIUM ADJUSTMENT CLAUSE
The premium paid hereon may be adjusted, by additional premium or refund as the case may be,
on receipt by the Company of a declaration of Gross Profit earned during the financial year most
nearly concurrent with the period of insurance, as reported by the Insured's auditors.
If any Damage shall have occurred giving rise to a claim for loss of Gross Profit the above
mentioned declaration shall be increased by the Company for the purpose of premium adjustment
by the amount by which the Gross Profit was reduced during the financial year solely inconsequence ofthe Damage.
4If the declaration (adjusted as provided for above and proportionately increased where the !Morimum Indemnity Period exceeds 12 months) is less than the sum insured on Gross Profit forthe relative period of insurance the Company will allow a pro-rata return of premium not Nexceeding 25o/o of the premium paid.
Page 13113
euy rAc BAo HrBM cHAy va cAc RUr Ro DAc BrET(Thiet h4i v$t cn6tl
(Ban hdnh theo Qtry4t ctinh sii: 3123 /2015/QD/TCID/BHBV nsay 24 thdng 09 ndm 2015 cfiaChri tich Ud OAng Thdnh ViAn kiAm T6ng gidm diic T6ng C6ng ty Bdo hiilm Bdo ViQt)
Cin cri vdo nhiing tti6u kiQn, tli€u khoin vd c6c di€m lo{ tru quy dinh trong Quy t6c b6o hi€m
ndy, Ti5ng C0ng ty B6o hi€m 86o ViQt (ggi tft sau ddy h BAO VIET) il6ng f ring sau khi Nguditluo. c b6o hiiSm ttd it6ng f hoec ttd tri khoin phf bno hitim theo th6a thu|n cho c6c tdi sin tluo. c
bio hi€m k€ khai trong Gi6y chfmg nhfln b6o hiOm/ Bin t6m tit ptrg lgc Hgp el6ng bio hi6m (sau
ttdy ggi tit h GCNBH), ni5u c6c tdi s6n tlugc bno hi6m <16 bim6t m6t, huj'ho4i hay hu hpi do b6t
ki nii ro duo. c bio hi6m quy tlinh trong GiSy chimg nhfln b6o hi€m/ B&n t6m tit phg luc Hqrp
d6ng bno hiem (cCNBfD gay ra tpi b6t ky thdi diiSm ndo trong thdi h4n b6o hi6m ho4c trong b6t
kj/ thdi gian ndo tii5p theo md Ngudi tlugc bAo hi6m da nQp phi theo y6u cdu cria BAO VIPT cho
viQc t6i tuc Hqp ttdng bio hiiSm niy, thi BAO VIET sE Oy theo llra chgn cfia minh, Udi ttruong
cho Ngudi duo. c b6o hi€m nhiing tdi sin bi mft m6t, ph6 hu! hay hu hpi theo gi5 tri cria chring tai
thdi tti€m xdy ratdn th6t bing hinh thric phgc trOi tro4c thay thti nhfing tdi sin bi t6n th6t hay b6t
cri b0 phfln ndo cfia chring.
V6i diOu kiQn ld trong mgi trucrng hgrp, tr6ch nhiQm cria BAO VIPT s€ khOng vugt quil:
1. SO tidn bio hi€m tuong img vdi mdi h4ng mgc tdi s6n vi t6ng cQng lpi, khdng vuot qu6 t6ng
s6 tien bno hi6m tai thdi tti6m xiy ra ti5n th6t,
2. SO tiAn bio hi€m cdn l4i t4i thoi di6m t6n th6t sau khi giim <li nhrng tdi san da bi mAt m6t,
hu! ho4i hay hu h4i xiy ra trong thdi h4n b6o hi6m tru khi BAO VIET de tt6ng j ktr6i phgc
lai sd tiOn bno hi€m cho nhirng tdi s6n d6.
xnAr NrpM
ThuQt ngfr "THIET HdI" trong Hqp dOng b6o hi6m ndy tlugc hi6u h sg mdt m6t, ph6 huj'hay hu
hai cria nhilng tai san dugc srl dgng bdi Nguoi cluoc b6o hi€m tpi dla di0m ghi trong GCNBH cho
muc clich ho4t tlQng /kinh doanh.
"Mric khSu tru" la sO ti€n md Ngudi ttugc bio hi6m phii tr; chlu trong m6i v9 t6n th6t vd c6c t6n
th6t tai mdi Oia tli6m du-o.c bdo hi€m sau khi di 6p dung diAu kiQn UOi ttruong theo fj lQ.
(
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NHIiNG nur no co rrrn r,U. n cHeN nr nAo HrEM
A CffAy (dU la ph6t sinh tu n0 hay U6t t<y nguyOn nhdn ndo kh6c) nhmg lo4i tru:
(a) <tQng d6t, nfi lta phun ho{c c6c biiin ttQng kh6c cta thi€n nhi€n,
(b) THIET H{,I giy ra do
(i) tdi san t.u l6n men hoflc t.u to6 nhiQt, hoflc
(ii) tdi san tlang trong qu6 trinh xri lf beng nhiQt.
(c) b6t kj'THIET H$J ndo gdy n€n b0i hopc do hdu qui cta viQc d6t rimg, bui cdy, diing c6,hoang mpc, rimg nhiet ddi, ho4c d6t ch6y vdi muc dfch ldm sach d6ng ruQng, d6t dai, dir lAng6u nhi€n hay kh6ng.
SET
NO
(i) n6i hoi
(ii) khi tlot
Duo.c sri dpng vdi muc dich duy nh6t h phlrc vu sinh hoat nhrmg loai trunhiing THIET HAI gdy ra do rl6ng d6t hopc ch6y ngAm.
B. NO nhung lo4i tru THIET HAI:
(a) gdy ra bdi ho{c bao g6m n0 bdi 6p luc hoi nu6c cfia n6i hoi, thirng dun nudc bing hoi tt6t,binh chri4 m6y m6c hoic thitit b!chi sri dung 6p luc hoi nudc vd thuQc sd hiiu hogc dudi sukiiSm so6t cria Ngudi ctuo. c bio hitim
@) lien quan toi hofc xu6t ph6t tu binh chfa m6y m6c hoic thi6t bi, hodc b0 phan b€n trong n6thudc sd hiru hoic dudi su kiiSm so6t cria Ngudi tlu-o. c b6o hii5m md phii rluo. c ki6m tra rt€tudn thri theo quy ttinh cria Phdp lu4t tru khi c6c binh chria, m6y m6c thitit bi ndy h d6ituqng cta mdt Hqp d6ng b6o hi€m hoSc Hqp ddng cung c6p dich vu kii5m tra theo y€u cAukh6c.
(c) do ch6y ph6t sinh tu n6
(d) do nd
D nOi hoi
ii) khi drit
Sri dung vdi mgc tlich duy ntrAt n phgc vg sinh hoat
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e) do c6c s6ng 6p lgc gdy ra bdi mdy bay vd c6c phuong ti€n tr6n khdng kh6c di chuy€n v6i t6c
dQ dm thanh ho{c tOc dQ siOu 6m
c. vrAv BAy vA cAc pHrIoNG TIEN rnnN rarONG xuAc Ho{c cAc rnrnr n1
TR0N CAC PHttof{G TIpN DO RoI VAO, to4i trir THrET H4,r
(a) do c6c s6ng 6p lgc gdy ra bOi m6y bay vd c6c phuong ti€n tr€n kh6ng kh6c di chuytin vdi t6c
ttQ 6m thanh ho[c tOc ttQ si€u 6m
(b) do ch6y
D. cAv ROr, BAo DeNc DAN srt, DiI\H cONG, nAr cONc, NHAN cONG BI sATHAI hoic nhiing nguni tham gia giy rtii lao tlQng hoic NH0NG NGITOI AC f,nhung lopi trir:
qrE r-qvr rr4ur 5rs 54J r v' t
(a) THIET HAI ph6t sinh tir tich thu tnmg dgng hoflc ti€u hriy theo lQnh cta chfnh phri ho{c cta ,\
coquan c6ng quyAn nio. (
(b) THIET H4.I ph6t sinh do cfr6m Atrt cdng viQc -)\(c) THIET HdI do ch6y gdy ra boi nhirng ngudi ilinh cdng, nhdn c6ng sa thii hoic nhtng ngudi
^ i. I r v r -tham gia gdy rOi lao tlQng ho[c nhiing ngudi c6 6cy
(d) li€n quan tdi c6c THIpT HAI gdy ra (kh6ng phii do ch6y nO) tryc ti6p boi nhiing ngudi c6
hinh ttQng 6c f khdng dai diqn boi hoic kh6ng li€n hQ v6i b6t k! t6 chrtc chinh trindo.
(D THIFT HAI bdi trQm cudp ho{c nd lyc trQm cudp
(ii) THIPT H$J li€n quan d6n c6c tda nhi b6 trting ho4c kh6ng clu-o. c sri dqng
(iii) Mrlc kh6u trir cria m5i vd mgi v9 tOn th6t s€ dugc xiic elinh sau khi 6p dung c6c cti6u
kiQn cta bno hi€m du6i gi6 tri.
E. DQNGDAT
F. cIONc, BAo nhung lo4i trtr THIET HAI
(a) gdy ra do:
(i) nu6c trdn hoic tho6t ra tt c6c ngu6n nu6c t1r nhi6n hay nhdn t4o, c6c k€nh, hO, dC, d6p,
c6c b6 chfa nudc, thi6t bi chria nu6c hay tludng 6ng ddn,
(ii) ng$p lgt tri bi€n
di ld do b6o hay c6c nguy€n nhdn ndo kh6c g6y r4
0) gay ra do suong mu6i, sgt ho{c ld d6t,
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(c) x6y ra dtii vdi b4t che ning, binh phong, biOn qudng c6o, cfuctrang thi6t bi lip dat phfa ngodi,hdng rdo, cdng ng6 vd c6c tdi sin c6 th6 di <fQng kh6c d0 ngodi trdi.
(d) x6y ra d6i vdi c6c c6ng trinh ilang trong giai doan xdy dtmg, cii t4o hay srla cht4 trtr khi t6tch c6c cfta ra vdo, cua s6, c6c 6 mo kh6c ctd clu-o. c hodn thinh vd duoc b6o v0 chdng gi6ngb6o.
(e) do nudc ho{c mua, ngo4i trir nudc hodc mua thAm nhSp vdo c6c tda nhd thOng qua c6c l5hdng tlu-o. c tao ra tr6n ki5t c6u cria tda nhd t16 boi tric cldng truc titip cria gi6ng ho6c bdo.
c. GIONG, BAO, NG,ip L[iT nhung loSi tru THIET FIAI:
(a) gdy ra do sucrng mu6i, sut ho6c ld dAt,
(b) xdy ra tt6i vdi b4t che n6ng, binh phong, bitin quing cito, cfuctrang thitit bi lip rtat phfa ngodi,hdng rdo, c6ng ng6 vd c6c ddng sdn khdc <t6 ngodi trdi,
(c) xiy ra d6i vdi c6c c6ng hinh tlang trong giai do1n xdy drmg, cii t4o hay srla chii4 trir khi t6tcirc6c cta ra vdo, cta s0, c6c 0 mo kh6c dE duoc hoan thinh vd b6o vO chiSng gi0ng b6o.
(d) do mua, ngopi trtr mua hdn vdo c6c tda nhd thdng qua c6c l5 hOng iluo. c tao ra tr€n ktit cducria tda nhd d6 bdi tric rtQng tryc ti6p cria gi6ng hoic b6o.
(e) do nu6c trdn tu cdc b€ chria nudc, thii5t bi chria nu6c hodc cluong 6ng ddn.
H. VO HAY TRAN f[tJOC tir cdc b€ chfta nufc, thi6t bi chfta nu6c ho{c tludmg ring dfinnudc nhrmg loai tru:
THIET HAI do nu6c xi, hoic rd ri tu hQ th6ng Sprinkler dugc l6p ddt tu cl6ng,
THIET HAI tai nhiing cOng trinh, ngdi nhd b6 tr6ng hoic kh6ng c6 ngudi sri dung.
VA CHAM bdi xe chay tr€n dudmg ho{c sric vdt kh6ng thu6c quyAn sd htru hodc kh6ngthuQc su kitim so6t cria
Ngudi dugc bio hi6m hodc nguoi chi6m giir/srt dgng dia di6m ilu-o. c b6o hii5m,
nh6n c6ng cria Nguoi duoc bdo hii5m ho[c cria ngudi chitim/giflsri dung dla tli€m du-o. c b6ohiiSm trong khi thgc hiQn cdng vi€c.
Ro Ri l\ruoc BAr NGo TLr Hp rHONG spRTNKLER ry DQNG tai itia di6m duocbio hi6m kh6ng phni g6y ra bdi
(a) sg tl6ng blng trong ng6i nhd n6u diSn thdi tti6m d6 tlang bo tr6ng hoic kh6ng c6 ngudi sridung, n6u trong thdi gian cl6 ngdi nhd v6n thu6c quy6n sO hiru hoic quyAn ttrue cria Ngudictu-o. c b6o hi6m
(a)
(b)
L
(a)
(b)
J.
Trang -tll I
(b) n6, ttQng d6t, ch6y ho{c nhiQt ngAm gdy rado ch6y
NHING DIEM LoAI TRI' Ap nuvc CHUNG CHo TAT cA cAc nuIRO
Don niy khdng bf,o hi6m:
l. Nhtng THIEJ HAI
(a) gdy ra do:
(i) G6y r5i, b4o ttQng ddn sg, dinh c0ng, bii c6ng, c6ng nhdn bl sa thii tru khi nhihrg rui rondy ghi nhfln ld tluo.c bio hirSm trong GCNBH, nhung chi v6i ph4m vi b6o hiOm tti quy
tlinh tai rui ro il6,
(ii) Chit5n tranh, xdm lugc, hdnh ttQng thir dich, hdnh ttQng khi€u khich qudn sg ho{c hi6u
chirin cria nu6c ngodi (dn c6 tuy6n chi6n hay kh6ng), nQi chi6n,
(iiD Binh biiin, d6y binh, b3o lo4n, khdi nghia, c6ch m4ng, b4o dQng, dio chinh, llrc lugngqudn sg titim quy€n, thi6t qudn luit, phong to6, gi6i nghi€m hoflc nhting bii5n cd vn
nguy€n nhdn ddn ittin viQc tuy6n bti vd duy tri tinh trpng khAn c6p ho4c gi6i nghi€m, tich
thu, tnmg dgng, tnmg thu, qu6c hiru ho6, ph6 ho4i vd/tro{c hdnh dQng khfing bO do mOt
ngudi ho4c mQt nh6m ngudi hdnh itQng ttpi diQn cho ho4c c6 li€n quan tliSn mQt t6 chrlc
("khring b6" c6 nghia ld viQc sri dgng b4o lgc vi mgc dich chinh tri vd bao g6m ci viQc
srl dgng b4o lgc cle dga cOng chring hoic mQt b0 phfln c6ng chting).
(b) OOi voi U6t tcy tAi sdn ndo ho{c U6t tcy t6n th6t ho[c chi phf ndo bit ngudn tu hoic ph6t sinh
ft THIfT HAI d6 ho{c b6t k} t6n th6t c6 tinh chAt hgu qui ndo, tryc titip hay gi6n ti6p gdy
n€n bdi hoic ph6t sinh tir:
(i) nguydn liQu vfl khi h4t nhdn,
(ii) sti dgng cti f hoAc kh6ng ci5 y t€n hia vd/tro{c UAt tcy lo4i vfi khf chii5n tranh ndo,
(iii) ph6ng x4 ion ho6 hay nhi6m ph6ng x4 tu nhi€n liQu h4t nhdn ho{c tu ch6t thni hpt nhdn
do ttdt ch6y nguyOn liQu hat nhdn. OOi vOi di€m lopi tru ndy thi thu4t ngir "d5t ch6y" sE
bao gOm ci qu6 hinh phan rmg phdn hriy h4t nhdn qu ph6t.
(c) Nhiing THIET HdI xdy ra rliii vdi b6t kj m6y m6c, khi cu tli€n nAo hay U6t tcy bQ ph{n ndo
cfia thi6t bi tti€n do ch4y qu6 tai, qu6 6p lgc, doin mpch, tU d6t n6ng, hd quang ttiQn hoflc rd
di$n do U6t tcy nguy€n nhdn nio (k€ ce sdt).
Tuy nhi€n, tti€m lopi tru ndy sE chi 6p dgng voi nhirng m6y m6c, khi cp vd thi6t bi dign b! phe
huj', hu hai do chriy ph6t sinh tir c6c nguy€n nh6n ft6n vd xdy ra vdi chinh miy m6c thii5t bi d6.
l,)
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(d) Nhiing THIET HAI gay ra do su 6 nhi6m, nhi6m bAn, ngoai trir (ntiu kh6ng bi loai tru bingm6t c6ch ndo kh6c) nhirng THIET I{4I d6i v6i tai sin duo. c bio hi€m xdy ra do
(i) 6 nhi6m, nhi6m bAn ph6t sinh tu mQt rui ro duo. c bdo hi6m,
(iD bAt ky nii ro duo. c bio hi€m ndo md chinh nhimg rui ro 5y Qi ph6t sinh tu 6 nhi6m haynhi6m bAn.
2.
(a) Hdng ho6 nhin ty th6c hay nh6n b6o quin; vdng bac vd <15 qu;f, ti€n (ti€n giSy hay ti€n kimloai), s6c, thu bAo l6nh, tfn phiiSu, tem, tAi li€u, bin thio, sO sich kinh doanh, hQ th6ng dfrliQu m6y tfnh, hing mdu, vdt m6u, qudn 6o m6u, khu6n miu, so dd, ban v€ hay tdi lipu thititkti, ch6t ni5, trir khi dugc x6c dlnh cp th€ ld chring dugc b6o hiiSm theo Hgp tl6ng b6o hi6mndy,
O) THIET HdJ xAy ra tt6i vdi nhirng tii s6n md vdo thdi tti6m xiy ra t6n th6t, duoc bdo hiiimhay l€ ra phii <luo. c b6o hi6m theo Hqp d6ng bdo hi€m hing hdi hoflc c6c Hgp ttdng b6ohii-am kh6c, tru phdn THIET H$.I vugt qu6 sd tidn ctuo. c bOi ttruong hay lE ra tlugobdi thuongtheo Hgp tl6ng bio hi€m hdng h6i ho4c Hqp d6ng bno hi€m kh6c, k6 ci Hqp tl6ng bio hi6mndy kh6ng c6 hi€u luc.
3. Nhiing ThiQt hai mang tfnh ch6t h4u qui dudi U6t tcy hinh thfc nio, trir Thi€t hai v6 ti€n thu€nhd n6u tidn thu€ nhd tluo. c x6c nhdn li dugc bdo hi6m trong GCNBH.
CAc QUY DINH cHUNG
Bio hi6m theo tf tQ @no hi6m dur6,i gii tri)
56 tiAn b6o hi6m theo ttmg hang muc (dudi m5i c6t) cria Hqp d6ng bno hiiSm ndy (tru ciic hangmgc 6p ri6ng cho c6c chi phi, tiAn thu€ nhd, dgn dgp hi€n trudrng hoic nhd d tu nhdn) tluoc k€khai ri6ng r€ s€ 6p dgng theo nguy6n tic bOi thudmg theo fj l€.
g6t cri khi ndo sO tien bio hi€m tluo. c k6 khai 6p dgng nguyCn tic b6i thuong theo fj, lp, niSu st5
tidn b6o hi€m tt6 tai thoi tti€m b6t ttAu THIPT HAI nh6 hon gi6 tri thgc t6 cJa tdi sin rtuo. c b6ohitim, tr6ch nhiQm uoi ttruong chi tri cria Bio viQt li€n quan THIET HAI d6 s€ duoc tinh theo tylQ ginm tuong r?ng.
NHTNG DIIU KIDN cHUNG Ap oTINc CHo rAr cA cAc nur no1. Tinh tl6ng nhit cria hqp rl6ng bio hi6m
Quy tic b6o hi6m, Gi6y chung nhdn bio hiem/Ban t6m tit phu luc Hqrp (t6ng b6o hi€m vd B6ndanh mUc tdi sin, ld nhilng bQ phin hqp thinh kh6ng thC t6ch rdi cria Hqp d6ng b6o hi6m ndy vdt?i b6t k! vi tri nio trong c6c bQ phdn tr6n, b6t cri tir vd cum tir ndo cluoc g6n cho m6t f nghia clgc
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bi6t ndo d6 thi tu vd cgm tt tl6 vin tii5p tgc mang y nghia rt6 dir chfng xu6t hien O b6t cri ch5 niotrong Hqp d6ng b6o hiOm, Gi6y chimg nh6n bdo hi€m/Bdn t6m t6t phu lgc Hqp d6ng b6o hi€m
vd danh mgc tdi sin.
2. Hqp d6ng bio hi6m m6t nigu trpc
Hqrp d0ng b6o hi6m ndy s€ m6t trigu lgc trong trudng hqp Ngudi duo. c b6o hi€m khai b6o sai
lQch, cung c6p nhiing thOng tin kh0ng dfng hopc khdng khai b6o nhirng thOng tin quan trgng.
3. Thay tl0i vir di chuy6n
Trong Ulit tcj' tinh hu6ng ndo trong sti nhiing tinh hu6ng n€u dudi il6y, b6o hi€m sE ch6m dtrt hiQu
lgc tt6i voi tii san bi t6n thSt tru khi tru6c khi xby TaTHIET H$.I, Ngudi tlugc bdo hi€m dd tluo. c
s1r ch6p thufln cria BAO VIET bing mQt tlidu khoin sria itdi bti sung do BAO VIET hay itpi diQn
cria hg lcf:
(a) Ngudi iluo. c b6o hi€m thay t16i hopt ttQng kinh doanh hay sin xu6t cria hg, hodc thay d6i tfnh
ch6t sri dgng ho{c thay d6i U6t tcy tinh trpng ndo khiic ldm anh huong tltin ng6i nhi tluoc b6o
hii5m, hoic ngdi nhd chfa tai sin duo. c bdo hi€m vd do il6 ldm tdng nguy co gey THIET HA.I
cho c6c tai sin tluo. c bio hi€m;
@) B6t kj ng6i nhd ndo duo. c bdo hiiSm ndo hoflc bAt k] ng6i nhd ndo chtia c6c tdi sdn tluo. c b6o
hiCm bib6 trting vd duy tri nhu vfy cho thdi gian hon 30 ngiy;
(c) Tni sin duo. c bno hi€m bi di chuy6n tdi b6t k! ngOi nhd ho[c nsi ndo kh6c ngodi ng6i nhd
du-o. c bAo hi€m;
(d) Quyen lgi cria Ngudi tluo. c bio hiem tl6i vdi c6c tai sin cluo. c b6o hi€m kh6ng cdn dir ld do jchi hay do quy tlinh cta lu$t.
4. Hfry b6 hgp itdng bio hi6m
HiQu llrc cria Hgrp it6ng bio hi€m ndy c6 th€ <lugc ch6m dtrt t4i b6t ct thdi tti6m ndo theo y€u cAu
cria Ngudi dugc bio hi6m. Trong truong hgrp il6, BAO VIET sE gi0 lAi phAn phi b6o hi6m ctuqc
tfnh trOn co sd tj' lQ phi ng6n hpn 6p dgng cho thdi gian Hqtp d6ng b6o hitim c6 hiQu l1rc. HiQu lgc
cria Don niy cflng c6 th€ tluo. c chlim drrt theo quytit einn cfra BAO VIPT. Trong trucrng hgrp <16,
BAO VIFT s€ th6ng b6o bing vdn b6n cho Ngudi du-o. c bio hi€m bitit v€ viQc ndy, vi c6 tr6ch
nhiQm hodn tri mQt phdn phi b6o hi€m tfnh theo t! lp tucrng img vdi thdi gian tir ngdy th6ng b6o
huf b6 cho di5n ngdy ki5t thric hiQu lgc cria Hqrp d0ng b6o hi€m ghi trong Gi6y chung nhfln b6o
hi€m/Bdn t6m tit phu lgc Hqp d6ng bno hi€m.
5. Cam k6t
g6t ky cam ki5t ndo du-o. c dua ra ho{c c6 th€ dugc dua ra AOi vOi Hqp d6ng b6o hi6m ndy cflng sE
c6 hiQu llrc vd tii5p tgc git hiQu llrc trong sui5t thdi h4n b6o hiCm k€ tt thdi gian cam kiit iluo. c clua
I
,t
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ra. Vi€c vi ph4m U6t tc' cam k6t ndo lim ting th€m nguy co rui ro s€ ld tro ng4i dOi vdi vieckhitiu n4i ddi b6i thuong. Tuy nhi€n n6u Hqp tl6ng b6o hi€m ttugc tAi tuc thi c6c khi6u nai li€nquan t6i nhiing THIET HAI xiy ra trong thdi h4n t6i tuc ti6p theo tl6 cria Hqp d6ng b6o hi€m sE
kh6ng bi tic ttQng boi lj do vi pham cam ktit trong thdi gian tru6c khi t6i tqc Hqp dOng b6ohi€m.
6. Cic biQn ph6p phdng ngira hgrp lf
Nguoi duoc bio hi€m phai lu6n lu0n duy tri tii sin tlugc bdo hi6m trong trang th6i tlugc biodu0ng phn hgrp vi phii thgc hiQn moi biQn ph6p hqp ly nhim d€ phdng t6n th6t cho tdi sdn duocb6o hi€m.
NrriJNG DrEU KrEN KHrf,U NAr BOr Tr{rtCrNG
1. Trdch nhi$m cfra Nguoi tlugc bio hi6m
1.1 Khi xiy ra b6t cri THryT HAI ndo d6n Aiin holc c6 thC d6n di5n khii5u npi theo Hqp d0ng bnohi6m ndy, Ngudi tluoc bio hi6m phii:
(a) ngay l$p tfc
(D thyc hiQn c6c bi€n ph6p nhim hgn chi5 t6n th6t vd tim kitim nhiing tii sin bi m6t mat
(ii) th6ng b6o cho BAO VIPT bing vdn bin vi
(iii) th6ng b6o cho co quan c6ng an trong trulng hqp xiy ra nhfmg THIET HAI do hdnhdQng ph6 hopi hay vdi muc dich 6c y,
(b) trong vdng 30 ngdy hodc l6u hon nta ni5u BAO VIET tl6ng j bing vnn b6n, Ngudi duoc b6ohi6m phii cung c6p cho BAO VI$T:
(i) h6 so khi6u nai tldi UOi thuong tai san bi m6t m6t ho{c hu hai, trong el6 Uet ke cang chiti6t cdng t6t t6t cAcfuchang mgc tdi sin b! m6t m6t hodc hu h4i vd sti tidn tdn th6t cdn crivdo gi6 tri cria tai san tai thdi tti6m xiy ra tOn th6t,
(ii) th6ng tin chi tiiSt vO tit cir c6c hgp tt6ng bdo hi€m kh6c, n6u c6 (trong vdng 7 ngiy tt6ivdi THIIT H{I gdy ra boi gdy r6i bao d6ng d6n sg itinh cdng b6i c6ng sa thii hoicnhirng ngudi tham ra gdy milttrat tU lao d6ng hodc nhirng ngudi c6 hdnh rtQng 6c f).
Ngudi tlugc b6o hi€m beng chi phi cria minh phii thu thip vd cung clip cho BAO VIpT c6c sO
s6ch kii to6n vi c6c s6 s6ch kinh doanh kh6c, c6c h6a tlon, chung tu, bi€n lai, cfuc tai liQu kh6c,c6c bing chimg, th6ng tin li€n quan diSn tdn thilt, cdc tdi liQu n6i rd ngu6n gtic vd nguy€n nhdnt6n th6t, tinh hu6ng t6n th6t, nhfng tdi liQu li6n quan d6n tr6ch nhi€m cria BAO VIET vd nhirngtdi liQu khiic md BAO VIET c6 thiS y€u cdu mQt c6ch hqp ly d6ng thdi Nguoi tlugc bio hiiSm phni
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grii cho BAO VIET mQt vln bdn cam krit tinh ch6t x6c thgc cria khitiu n4i vd cria b6t cri v6n ttA
nio c6 li€n quan d6n ktrii5u nai.
2. Mdt quyd;n lgi tluqc tOi tnunng
(a) Ngudi tlugc bio hi€m sE m6t quy€n ttugc b6i thuong theo Hqp tl6ng bio hi€m ndy ntiu khiiiu
n4i cria hg ld man tr6 vd U6t ty phucrng diQn ndo, hopc ni5u Ngudi tlugc b6o hi€m hay t14i
diQn cta h9 st dgng c6c thri doan vd c6c biQn ph6p man tr6 nhim trgc lgi qua Hgp ttdng b6o
hi€m ndy hoac THIET HAI eey ra do hdnh dQng c6 chfi tim hay c6 sU tt6ng lod cria Ngudi
ctugc bio hi€m.
(b) Quyen lgi theo Hqp tl6ng b6o hi€m ndy cfing sc m6t hiQu lUc etii vOi khi6u n4i ndo:
(i) de du-o. c khitiu n4i vi bi til ch6i, t6 tung trong vdng 12 th6ng ke fi khi Ui tu ctr5i UOi
thuong.
ho{c
(iD de tluo. c gi6i quy6t qua hgng tdi theo Eidu 7 cta Hqp d6ng b6o hiOm ndy md kh6ng c6
kiQn c6o, tO tgng trong vdng 12 thSng kC tu khi trgng tdi ho[c trgng tdi chung dua ra
phSn quyit.
3. PhUc h0i tiri sin
Tiry vdo su llra chgn cria BAO VIET, tii sin bi t6n th6t c6 thiS sria chiia ho{c thay thi5, thay vi triti€n bdi thudrng t6n th6t, hoflc c6 th€ hqrp t6c vdi c6c c6ng ty b6o hi€m kh6c ho{c c6c b€n li€n
quan kh6c tt€ thtrc hiQn nhirng viQc tt6. Tuy nhi€n, BAO VIET kh6ng buQc ph6i phgc h6i tdi san
mQt c6ch hod,n todn chinh x6c nhu cfl md chi vdi mric tlQ hoin cdnh thlrc ti5 cho phdp vi trong
mgi trudng hqp khdng buQc phni chi cho viQc phgc trOi mQt sO tiAn lon hon siS chi phi cAn thi6t dC
khdi phgc tdi sin trd lpi tinh tr4ng trudc l6c xiy ra t6n th6t ho4c lon hon si5 ti6n bio hi€m ctra tai
sin il6.
Ntiu BAO VIET chgn phuong rin thay tht5 hoAc phUc h6i tdi sin thi Ngudi dugc b6o hi€m, blng
chi phi cta minh, phii cung c6p cho BAO VIET tdt cir cdc bin v€, c6c tii liQu kI thuflt, c6c biQn
pnap khic phgc vd sO lugng vd t6t ci c6c thdng tin cAn thi6t kh6c md BAO VIPT y€u cAu. ViQc
BAO VIEJ thgc hiQn hoec buQc phii thlrc hign vi€c xern x6t c6ng tdc thay th6, sria chfra hoic
phqc h$i tdi san khdng d6ng nghia ld lya chgn cria BAO VIpT trong vipc thay th6, srla chta ho{c
phUc h6i dO.
Trong trudmg hqp BAO VIET kh6ng th€ thgc hiQn tluo. c vi6c thay th6 ho{c phqc h6i tii san tluo. c
bdo hi€m do c6 c6c quy ttinh cria chinh quyCn dia phuong hoic c6c quy ttinh kh6c vA b6o v€ c6nh
quan cta rtulng ph6 hoac xdy d1mg cdc ng6i nhd cao tAng,...thi BAO VrE.T trong mgi trudng
hgrp sE chi c6 tr6ch nhi€m tri khoin ti€n cAn thi6t cho viQc phuc trOi troac thay thi5 tdi sin tl6 vdi
gi6 thi€t ld n6 duo. c srla chta mQt c6ch hqp ph6p vdi di€u kiQn nhu cfi.
.(
)
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4. Quy6n lqi cfra nAO Vtpr
Sau khi xity ramQt THIET HAI d6n dtin viQc khil5u n3i ddi b6i thudng, BAO VIEJ vd ngudi d4idiOn cria BAO VIPT c6 quydn thgc hiQn nhirng c6ng vi€c sau ddy md kh6ng b! quy tr6ch nhi€mho4c kh6ng phuong hai iltin quydn c0a BAO VIpT:
(a) Diin ki6m tra titip nhfn hoic nim quyCn tr6ng git hiQn truong b6o hirim noi xiy ra t6n th6t,(b) Thu git ho4c y6u cdu Ngudi tluo.c bio hitim giao cho BAO VIET tp gifr tdi sin duo.c b6o
hi6m v6i c6c mgc tlfch hqp lf vd xri lf theo c6ch hqrp lj
Ngudi dugc bio hirlm khdng c6 quydn tir bO tai sdn b! t6n th6t cho BAO VIET dir cho tdi s6n d6tlang dugc BAO VIET t4m giii.
5. D6ng g6p tdn th6t vir bio hi6m theo rf tg
Ni5u t{ thsi di6m xity TaTHIET [IAI, c6 Hqrp d6ng b6o hi€m kh6c anh huong bdi ho{c d4i diQnbdi Ngudi duo. c b6o hii3m dang b6o hi6m cho c6c tai sAn bio hi6m bi mAt hoic ph6 hriy hoflc thiQthai, thi tr6ch nhi€m cria BAo MST cfing chi gidi hgn o phAn ton ttr6t pnan b6 cho b6o hiiSm ndytheo fj lQ.
N6u Hqrp tl6ng bio hitim kh6c cfing 6p dpng nguy€n tfc b6o hir5m theo r1i l€ @ao hi€m du6i gi6tri) ntiu Hq'p d6ng bio hitim niy chua 6p dung b6o hi€m theo rj, lQ thi cfing s€ 6p dung nguy6n i=6.b6o hi€m theo fj' lQ tuong t.u.
Ntiu Hqrp d6ng bdo hii-lm kh6c quy <linh loai tru vi€c <16ng thdi c6 su hi6n di6n cria Hqp ddng b6ohi€m ndy dr) ld todn bQ hay mQt phAn sr,r <l6ng g6p boi ttruong t6n th1it theo tr6ch nhiQm, thi tr6ch
4iern cfa BAO VIET cfing s€ chi gi6i han tfnh theo theo ti le thiet hai cria gi6 tri tdi s6n tr€n si5ti6n bio hiiim cria Hqp d6ng bAo hi€m ndy.
6. fd tnira quydn khiSu n4i b6n thrfr ba
Theo y€u cdu cta BAO VIET vd vdi chi phf do BAo VIPT chiu, ngudi khiiiu npi theo Hgp d6ngb6o hi€m ady phii thlrc hiQn, ctng thlrc hiQn ho{c cho phdp ti6n hdnh moi c6ng viec cin ir,ii5t vIhW lI ntrim bao luu c6c quydn vd c6c biQn ph6p t.u bdo chiia hoic ntrim eoi ra. UCn thrl ba mi6ntr6ch hodc bOi thuong. D6 h c6c quy€n ma BAO VIET rluoc hudng sau khi b6i thuong choNguoi tluo. c bio hi6m. Tuy nhi€n, c6c c6ng vi6c ndy c6 th€ rluoc ti6n nanft nay y€u cAu ti6fianfrtru6c hay sau khi BAO VIpT UOi ttruong.
7. Trgng tiri
Niiu c6 U6t tcy su kh6c bi6t ndo ph6t sinh li6n quan dtin sO ti6n ph6i chi 116 theo Hgp d6ng biohi€m niy (n6i c6ch kh6c tr6ch nhi6m kh6ng cluoc ch6p nhfln) thi sy kh6c bi€t nhu viy rtugc xemx6t bdi mQt trgng tii duo. c chi ttinh bdi c6c b€n phir hqp vdi luat dinh. Khi su kh6c biQt theo diAukiQn ndy cAn dugc dua ra phdn xri, phfn quytit sE ld rti6u kiQn ti€n quy6t cho uAt ty quyAn thycthi ndo chting lai c6ng ty bdo hi€m.
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8. Thay ttOi quyiin sO hiiu vir quin ly diii voi tii sin tluqc bio hi6m (Chuy6n nhugngquy6n tgi bio hi€m)
Ntiu qi thdi di€m xiy ra THIET HAI, Ngudi tlugc b6o hi€m tld thgc hiQn viQc ky hqp tt6ng b6nil I rphdn quy6n lgi cfia minh trong bet k' ng6i nhi, tdi san nio duoc b6o hi€m theo Hqp d6ng bio
hii5m ndy nhmg thri tgc mua b6n chua hodn tit ttri b6n mua sau khi hodn t6t thri qc mua b6n s€r t - - -r a'
dugc huong quy€n lgi cria b6o hi€m ndy n€u di€u tl6 kh6ng phuong hai d€n quy€n loi vd nghia
vg cria Ngudi tluo. c bAo hi6m hay Bno ViQt tru6c ngdy hoin tit tht tpc.
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i:N
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euy rAc BAo HIEM cnAy v^q, cAc RUr Ro DAC nrEr
lrOn tndt hfu qui)(Ban hdnh theo Quyiit clinh sii: 3123 /2015/QD/TGD/BHBV ngay 24 thdng 09 ndm 2015 cila
Chrt \ch Ud OAng Thdnh Vi€n kiAm Tiing gidm dAc fAng C6ng ty Bdo hi1m Bdo Vi€|
Cdn ctl vdo nhirng di6u kiQn, diAu khonn vd c6c di6m loai tru quy ilinh trong Quy tic Hqp d6ng
b6o hiOm ndy, Ti5ng COng ry Bdo hi€m 86o ViQt (ggi tit sau d6y ld BAO VIED dong f ring n6u
sau khi khodn phi bio hi6m th tluo. c ddng f hoac tl6 tlugc thanh to6n theo th6a thuQn md bAt cri
nhiing c6ng hinh vd tdi sin kh6c md Ngudi tluo. c b6o hi€m (sau dAy ggi tit n NOnff; sri dgng
cho mlrc tlich kinh doanh Bi ttia tli€m bio hi6m bi mdt mfut, ph6 hu! hay hu hgi do b5t ky rui ro
tlugc b6o hi6m dugc k€ khai trong Gi6y chimg nhfn bdo tri6m/ nan t6m tit phu luc Hqp d6ng
bAo hi6m (sau ddy ggi t6t h GCNBH) gdy ratai b6t ky thdi diiSm ndo trong thdi han bio hii5m
hoic trong U6t ty thdi gian ndo titip theo mi Ngudi dugc b6o hi€m cta nQp phf theo y6u cAu cria
BAO VIEJ cho viQc t6i tUc Hqp d6ng b6o hi€m ndy vd ho4t tlQng kinh doanh cria NDBH tai tlia
dir5m dugc bno hi€m bi gi6n tlo4n ho{c bi cin tr0 do h4u qui cria qr m6t m6t, ph6 hu} hay hu hpi
aOi vOi c6ng trinh, tdi san nhu di ilC cQp tr€n <lAy thi BAO VIET sC tri cho NDBH sO tien tuong
img vdi t6n th6t OOi vOi mbi h4ng mgc duo. c ghi trong GNCBH do vi6c gi6n ilo4n ho{c cin trdAOi vOi ho4t tlQng kinh doanh cria hg vdi di6u kiQn ln
1. Tpi thdi tti€m xiy ra t6n th6t phai t6n tgi mdJ Hqrp tt6ng b6o hi6m Tdi sin ttang c6 hi€u luc
b6o hi6m cho quyAn loi cria NDBH eOi vOi thiQt h4i hoic t6n ttr6t vA tdi sin tai Co sd kinh
doanh vi cin crl tr€n co sd:
(a) viQc UOi ttruong s€ tluo. c thgc hiQn ho{c tr6ch nhi6m UOi ttruong dd tlugc BAO VIETchAp nhpn theo <lon tai san cl6, ho{c
(b) sO ti€n bdi thuong 16 ra tl6 cluo. c thanh to6n ho{c BAO VIET lE ra dd chAp nhfln tr6ch
nhiQm UOi ttruong nhrmg kh6ng tluo. c thlrc hiQn do c6 diAu khoin quy tlinh logi tru tr6ch
nhiQm UOi ttruong cho nhftng tOn thAt th6p hcrn mQt s6 tiAn quy d!nh.
2. Tr6ch nhiQm cria BAO VIpT trong bAt cri Hqp d6ng b6o hiOm ndo cflng khdng vugt qu6:
(a) SO tien bio hi6m cho m6i h4ng mgc hoic tOng sO tiAn b6o hi6m cria tAt citcdc h4ng mgc
d6 tpi thdi di€m t6n th6t.
(b) SO tiAn bio hi6m cdn lAi tttin thdi di€m t6n thAt, vi lf do trudc tl6 tl6 thanh to6n b6i
thuong cho b6t k! sg gi6n dopn hay cdn trd t6i ho3t ttQng kinh doanh cria NDBH do hQu
qui cria nhirng tdn th6t OOi vOi c6c tai sdn nhu dA dd cap tr€n diy trong thdi h4n b6o
hi6m, trir khi NDBH da d6ng y kh6i phgc lqi sO tien b6o hi6m.
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KHAI NIEM
Thuflt ngir "ThiQt hpi" dugc hi6u ld sg m6t m6t, ph6 huj,hay hu fui aOi vOi nhfrng tii sin <luo. c sri
dgng bdi NDBH t4i ilia ttiiSm ghi trong GCNBH cho mgc tlfch hoat tlQng kinh doanh.
Thuit ngf "TON fUAf HAU QUA" dugc hi6u ld nhiing tdn th6t fi su cin tro ho{c gi6n clogn
kinh doanh cria NDBH t4i co so kinh doanh h hflu qui cta c6c ti5n th6t thiet h4i dOi v6i tdi sintlugc sri dpng boi NDBH t4i dia tti€m ghi hong GCNBH cho muc ilich ho4t tlQng kinh doanh.
mrrrlNc nur no c6 rnn LtI. A cHgN Dt nAo runvr
A. crrAy (di ld ph6t sinh tu n6 hay u6t tcy nguyOn nhdn ndo kh6c) nhung lo4i tru:
(a) DQng ddt, nti hla phun hoic c6c bitin rtQng kh6c cria thi€n nhi6n,
(b) TON THAT HAU eUA g6y ra do
(i) tdi sin t.u l6n men hoflc t.u toi nhi6t, ho{c
(ii) tdi sin tlang trong qu6 trinh xri lf bing nhiQt.
(c) B6t kj, TON ftlAf HAU QUA ndo g6y n€n bdi hodc do h6u qui cta vi6c rltit rimg, bpi c6y,ddng c6, hoang mpc, nlng nhiQt tldi, ho{c ttdt chfy voi muc dich ldm sach tt6ng ruQng, d6ttlai, dtr ld ng6u nhi€n hay khdng.
SET
NO
1i; ndi hoi
(ii) khi tl6t
duoc srl dung vdi mpc tlfch duy nh6t ld phuc vu sinh hoat nhrmg loai tru nhirngfdN fUAf HAU QUA gdy rado cl6ng e6t ho6c ch6y ngim.
B. NO nhmg topi trir TON THAT HAU eUA:
(a) gdy ra bdi hoic bao gOm n6 bdi 5p luc hoi nudc cta niii hoi, thtrng dun nu6c bing hoi itrit,binh chria, mdy m6c ho4c thitlt bi chi st dgng 6p lgc hoi nudc vd thu6c sd hiiu ho4c dudi suki6m so6t cria Ngudi tluoc bdo hi6m
(b) li6n quan tdi hoic xu6t ph6t tu binh chrla, mdy m6c ho4c thitit bi, hoic bQ phin b€n trong n6thu6c sd hftu hodc dudi sg kitim so6t cria Ngudi duoc b6o hi€m md cdn duoc ki6m tra tl6tudn tht theo quy tlinh cria ph6p lu4t tru khi c6c binh chria, m6y m6c thii5t bi nny le d6itugng cria mQt Ho-p d6ng bdo hiOm hoic hqp tl6ng kh6c cung c6p dich vu kitlm tra theo y6ucdu
(c) Do chriy phrit sinh tir n6
(d) Do n6
Trang2ll4
(b)
D.
(b)
(c)
., i.,l) nol nol
i1t<tri OOt
Sri dqng v6i mgc etich duy ntr6t ta phgc vq sinh ho4t
e) do c6c s6ng 6p llrc gdy ra boi m6y bay vd ciic phuong tiQn tr€n kh6ng kh6c di chuy0n vdi t6c
d9 am thanh ho{c tOc i10 si€u dm.
c. nnAy BAy vA CAC rHIIONIG TIEN TRtN rn6xc xnAc HoAC cAc rrunr n1
TRtN cAc PHLIONG TITN Do RoI vAo,lo4i tru rON ruAr HAU QUA vi
(a) do c6c s6ng 6p lyc gdy ra bdi m6y bay vi c6c phuong tiQn tr€n kh6ng khSc di chuy6n v6i t6c
tlQ 6m thanh ho{c t6c ttQ si€u dm
do ch6y
cAv n6r, BAo DeNc DAN stl. , oitttt gONG, BAr gONG, NHAN cONc BI sATHAI ho{c nhirng ngudi tham gia g0y r6i lao tlQng hoflc NH'ING NGUOI ACy, nhrmg
loai tru rON rgAr HAU QUA:
(a) ph6t sinh ttr tich thu tnmg dgng hoic ti6u hriy theo lQnh cria chinh pht ho[c cta co quan
c6ng quy6n ndo.
ph6t sinh do ch6m dut c6ng viQc
do ch6y gdy ra bdi nhtng ngudi tlinh c6ng, nhdn c6ng sa thdi hopc nhtlng ngudi tham gia
giy r6i lao dQng hopc nhihrg ngudi c6 6cy
gdy ra$n$ng phii do ch6y n0) t4rc ti6p bdi nhirng ngudi c6 hdnh dQng 6c f kh6ng tlAi diQn
bdi hoflc khOng li€n hQ voi b6t k] t6 chrlc chfnh tri ndo.
(D boi trQm cu6p ho{c n6lgc trQm cudp
(ii) d6i v6i c6c tda nhd bd triSng hoic khdng tlugc sri dgng
(iii) Mric khfu tru cria m5i vd mgi v9 t6n th6t se duo. c x6c dinh sau khi 6p dlrng c6c didu
ki€n cta b6o hi6m dudi gi6 tri.
DQNG DAT
crONG, nAo nhung lopi tn) r6N urAr H4u QUA
gdy ra do:
(D nudc trdn ho{c tho6t ra tu c6c ngudn nu6c tu nhi6n hay nhAn t4o, c6c k6nh, h6, de, d6p,
c6c b6 chria nudc, thii5t b! chrla nudc hay tluong ting ddn,
(ii) ng|p let tir bi€n
(d)
E.
F.
(a)
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di li do b6o hay c5c nguydn nhdn ndo kh6c gAy ra,
(b) gay ra do suong mu5i, sut hoic ld tt6t,
(c) d6i vdi bpt che n6ng, binh phong, bi6n quing c6o, c6c trang thi6t bl l6p dpt phia ngodi, hdngrdo, c6ng ng6 vd c6c tdi sAn c6 th6 di dQng kh6c d€ ngodi trdi,
(d) d5i v6i c6c cOng trinh dang trong giai tlopn xAy dpg, c6i tpo hay sria chta, fi:ir khi t6t ci ciicc'taravdo, cua s6, c6c 6 md kh6c tld duoc hoin thinh vd clugc bio v€ ch6ng gi6ng b6o,
(e) do nudc hodc mu4 ngo4i trir nu6c hodc mua thdm nhQp vdo c6c tda nhd th$ng qua c6c l5h6ng ttugc tao ra tr6n ktit c6u cria tda nhd <t6 bdi tric tl6ng truc ti6p cria giong hodc b6o.
c. GIONG, BAo, NG,ip LpT nhung loai tru r6N ru.A.r HAU eUA:
(a) giy ra do suong mu5i, sut ho6c lo d6t,
@) xay ra ddi vdi b4t che ning, binh phong, bitin qudng c6o, cictrang thii5t bi 6p dpt phfa ngodi,hdng rio, cong ng6 vi c6c tai sin c6 th6 di dQng ktr6c tt€ ngodi trdi,
(c) xdy ra d6i voi c6c c6ng trinh tlang trong giai doan xdy d1mg, cii tao hay sria chfra, trir khi t6tcircdc ctia ra vdo, cta s6, cilc 6 md kh6c el6 dugc hodn thdnh vd bio vQ ch6ng gi6ng b6o.
(d) do mua, ngo4i trt mua ftdn vdo c6c tda nhd thdng qua c6c l5 hdng dugc t4o ra tr€n ktit cfucta tda nha d6 bdi tric d6ng truc tii5p cria gi6ng hoic b6o
do nudc trdn tu c6c bo chfa nu6c, thi6t bi chrra nudc hoic dudng 6ng d6n.
vO HAY TRAN NII6C tir cdc b6 chrfra nudc, thi6t bi chria nu6c ho{c dudng ring dfinnuoc nhtmg loai trir ToN THAT HAU eUA:
do nudc x6, hoic rd ri tir hQ th6ng Sprinkler dugc 6p dit tu ilOng,
tpi nhirng c6ng trinh, ngdi nhd b6 tr6ng hoic kh6ng c6 ngudi sri dung.
VA CHAM bdi xe chpy tr€n tludng ho{c stic v6t kh6ng thuQc quyen sd hiru hodc kh6ngthuQc su kii5m so6t cria
Ngudi tlugc b6o hil3m holc ngudi chii5m git/sri dung rlia di6m dugc b6o hi6m, ho6c
Nhdn cdng cria Nguoi iluoc b6o hi€m ho{c cria ngudi chiiim/giir/sri dung rtia di€m <luoc b6ohitAm trong khi thuc hi€n cdng vi6c.
Ro Ri NIJoc BAr NGo TIt Hp THONG sIRTNKLER Tr/ D9NG tai rtia di6m duo. cb6o hi6m kh6ng phni gdy ra bdi
(e)
H.
(a)
(b)
I.
(a)
(b)
J.
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(a) sU d6ng bnng trong ng6i nhd n6u tt6n thdi tti6m d6 tlang b6 trting ho4c khdng c6 ngudi stidpng, ntiu trong thdi gian tl6 ngdi nhd v6n thuQc quyen so hiru ho{c quydn thu€ cria Nguoittugc b6o hi€m
(b) nO, d0ng ddt, chfy ho4c nhiQt ngAm giy ra do ch6y
xrr0Nc omu LoAr rRrI Ap DUNG cHTING cHo rAr cA cAc RUr Ro
Don niry kh6ng bf,o hi6m :
l. ToN THAT H4,u euA
(a) gdy ra do:
(i) Gdy rt5i, bp ttQng ddn sg, tlinh c6ng, b5i cdng, c6ng nhdn bi sa thii tru khi nhirng rui ro
ndy ghi nhfln ld duo.c b6o hiiim trong GCNBH, nhung chi v6i phpm vi b6o hi6m tli quy
tlinh tai rui ro cl6,
(ii) Chi6n tranh, xdm lugc, hnnh <lQng thir dich, hanh ttQng khi€u khfch qudn sU hoic hi.5u
chi6n cia nudc ngodi (dn c6 tuy€n chii5n hay kh6ng), nQi chi6n,
(iii) Binh bi+5n, d6y binh, bpo lo4n, khdi nghia, c6ch mpng, b4o ilQng, tl6o chinh, llrc lugng
qudn sg tii5m quyOn, thii5t qudn luit, phong toi, gi6i nghi€m hoic nhirng biiin c6 vd
nguy€n nhdn d6n ttiin viQc tuy€n b0 vd duy tri tinh tr4ng khdn cAp ho{c gi6i nghi€m, tlch
thu, tnmg dgng, tnmg thu, qu6c hiru ho6, ph6 hopi vdlho[c hdnh tlQng khring bd do mQt
nguoi hoic mQt nh6m ngudi hdnh ttQng ilai di€n cho hoflc c6 li€n quan <ltin mOt t6 chric
("khring bi5" c6 nghia ld viQc sri dqng b4o lgc vi mgc clich chinh tri vd bao gdm ci viQc
srt dpng b4o lyc tle dga c6ng chring ho{c mQt b0 phQn cdng chfng).
(b) OOi vOi U6t tcy tdi san ndo hopc UAt ty tOn th6t ho{c chi phi ndo bit ngu6n tt hoac ph6t sinh
dr Thiet hai 116 hoflc b6t k] tdn th6t c6 tinh chAt h{u qui niro, tryc ti6p hay gi6n titip gdy n6n
boi hopc ph6t sinh tu:
(D nguy6n liQu vfi khi hpt nhdn,
(ii) sri dqng c.5 f ho{c khOng cO y ten hia vdAro{c UAt tcy lopi vfi khf chi6n tranh nio,
(iii) ph6ng xp ion ho6 hay nhi6m ph6ng xp tir nhi€n liQu h4t nhdn ho[c tu ch6t thii h4t nhdn
Oo tt6t ch6y nguy€n liQu hpt nhdn. D6i voi di€m lo4i tru ndy thi thuit ngir "d5t ch6y" sc
bao g6m cd qu6 trinh phin ung phin hiy h4t nh6n t1r ph6t.
(c) xhy radOi vOi U6t tcy m6y m6c, khi cg diQn ndo hay b6t ky bO phdn ndo cta thi6t bi di€n do
chay qu6 tdi, qu6 6p lgc, <lodn m4ch, tU di5t n6ng, hO quang diQn hoqc rd ctiQn do b6t tynguy€n nh6n ndo (kG cd s6t).
rl
'ti13
)/\
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Tuy nhi6n, ditim lopi trir ndy s€ chi 5p dgng vdi nhirng m6y m6c, khi cg vd thit5t bi ttiQn biph6 huj', hu fui do ch6y ph6t sinh tir c6c nguy€n nhdn tr€n xiry ra v6i chfnh c6c m5y m6cthii5t bid6.
(d) eay ra do sg 6 nhi6m, nhi6m bAn, ngo4i trir (ntiu khdng bl lopi trir bdng mOt ctich ndo khiic)nhirng Thiet hei OOi vOi tai sin duoc b6o hi€m xny ra do:
(D 6 nhi6m, nhi6m bAn ph6t sinh tir mQt rui ro duo. c b6o hii5m,
(iD bAt k' rfii ro duo. c bio hi€m ndo mi chfnh nhirng rui ro 6y lai ph6t sinh tir 6 nhi6m haynhi6m bAn.
2.
(a) Hdng hoi nhin u! th6c hay nhfn bdo quin; vdng bac vd d6 quf, ti6n (ti€n gi6y hay ti€n kimlo4i), s6c, thu bio l6nh, tin phiiiu, tem, tdi liQu, bin th6o, sd sich kinh doanh, hQ th$ng dfliQu m6y tfnh, hdng m6u, vft m6u, qudn 6o mdu, khudn mdu, so dO, ban v6 hay tni HQu thii5tki5, ch6t n6, tni khi duo. c x6c dinh cp th€ li chfng duo. c bio hirim theo Hqp ddng b6o hiiSmndY,
0) TON TIrAT HAU QUA xiry ra etii voi nhihrg tii sin mi vio thdi di€m xity ra t6n th6t,Ngudi tluo. c bio hiiSm hay l€ ra phdi tluo. c bio hiiim theo Hqrp (t6ng bio hiiSm hdng h6i hodcc6c Hqp tl6ng bio hii5m chuy€n biQt kh6c, trtr phAn ThiQt hpi vugt qu6 s6 tidn ctuqc U6ithudrng hay 16 ra duo. c bOi ttruong theo Hgp d6ng bio hi€m hdng hii ho4c Hqrp d6ng b6ohiiSm kh6c, kd cd khi Hqp d6ng bno hi6m niy kh6ng c6 hi6u luc.
xrrtlNc omu KryN CHTTNG Ar ngNc crro rAr cA cAc nur no
1. Tinh ttdng nhit cta hgrp it6ng bflo hi€m
Quy tiic bdo hi6m, Gi6y chung nhfln b6o hiCm/Ban t6m tit phu lgc Hgp tl6ng bio hitim vd Bindanh mpc tii sAn, li nhiing bQ phQn hgp thdnh kh6ng th€ tach rdi cria Hqrp d6ng bio hi€m ndy vdtpi bdt k! vi hi ndo trong c6c bQ phdn tr€n, b6t crt t& vd cum tir nio rluoc g6n cho m6t i nghia rl{cbiQt ndo d6 thi tu vd clrm tu tt6 v6n ti6p tuc mang j nghia d6 dn chfng xu6t hiQn d b6t cri ch6 ndohong Hgp tt6ng bdo hi€m, GiSy chrlmg nh6n bdo hiiSmBan t6m tft ptru tu" Hqp d6ng b6o hi6mvd danh muc tii sdn.
2. Hqrp tl0ng bio hi6m mdt tigu h;c
Hq'p ddng b6o hi6m ndy sE m6t trigu luc trong trudrng hgp Ngudi tlugc b6o hi6m khai b6o sail€ch, cung c6p nhiing th6ng tin kh6ng thing hoic kh6ng khai b6o nhirng thdng tin quan trong.
3. Thay tl6i vi di chuy6n
QuyAn lqi b6o hir.Am theo Don ndy sc m6t hi€u luc trong trudng hqp:
Trcng6/14
(a) c6ng vi6c kinh doanh bi giai thti ho4c iluo. c tl6m trfch boi ngudi ti6p quin ho{c ngudi thanh
to6n hodc
(b) Nguoi tlugc bio hiem blm6t quyAn lgi b6o hi€m tru khi hq bi chi5t ho4c
(c) c6 blit cri thay dOi ndo vd c6ng viQc kinh doanh ho{c t4i Co sd kinh doanh ho[c thay eOi vC
tdi sin md c6 khi n[ng gia tdng thiet hei
vdo b6t ky thdi gian ndo sau khi Uit eau hiQu lyc b6o hi€m tru khi viQc tiiip tgc bio hi6m da
duqc BAO VIET ch6p thufln bing vin bin.
4. Huf b6 hgp ddng bio hi€m
HiQu llrc cta Hgrp <tOng bio hi6m ndy c6 th€ tluo. c chAm dut tai U6t ctt thdi di6m ndo theo y€u cdu
c0a Ngudi duo. c bio hii5m. Trong truong hgrp tl6, BAO VIET sE git lai phAn phi b6o hi6m duo. c
tinh tr€n co sd tj' lQ phf ng6n hqn 6p dUng cho thdi gian Hqp tt6ng b6o hi6m c6 hiQu l1rc. HiQu lgc
cria Hgrp rtdng niy cflng c6 th€ tlugc ch6m dtrt theo quyiSt dinh cria BAO VIET. Trong trudmg hgrp
d6, BAO VIET sC thOng b6o bing v[n ban cho Ngudi clugc bdo hi€m bitit v€ viQc ndy, vd c6
tr6ch nhiQm hoan tri mQt phin phi bio hi€m tinh theo tj' lQ tuong img vdi thdi gian tir ngdy th6ng
b6o huj b6 cho di5n ngiy k6t thric hiQu lyc cria Hqp tt6ng b6o hi€m ghi trong GiSy chimg nhQn
bio hi€m/ Bin t6m tdt phU lgc Hqp tl6ng b6o hi€m.
NIritNG OmU KIrpN KHrEU NAr BOI TrntoI,{G
1. Trich nhiQm cia Nguoi tlugc bio hi6m
l.l Khi xiy ra b6t cri thigt hai ndo d6n di5n ho[c c6 th€ d6n tltin khitiu nai theo Hgrp tt6ng b6o
hiilm ndy, Ngudi dugc b6o hi€m phii:
(a) ngay lfp tuc th6ng b6o cho BAO VIEJ
(b) trong vdng 7 ngdy Ngudi clugc b6o hi€m b6ng chi phi cria minh cung c6p d6y ttri cho BAO
VIPT th$ng tin chi tirit cria c6c vg tdn thAt thiQt hai gdy ra boi gdy rtSi b4o ttQng ddn sy tlinh
c6ng b6i c$ng sa thii hopc nhiing ngudi tham ra gdy m6t trAt tU lao dQng ho{c nhirng ngudi
c6 hinh ttQng 6c f
(c) Tii5n hanh vi cho ph6p dugc thyc hi€n b6t k! hdnh tlQng ndo phir hqp de giam thiiiu ho4c
ki€m tra U6t tcy sU ngrmg td hoac gi6n tlo4n kinh doanh ndo holc d6 ngln chin vd giam bot
t6n th6t.
1.2 T rong truong hqp ph6t sinh khi6u npi Ngudi tlugc b6o hi€m bing chi phi cta minh:
(a) Cung c6p cho BAO VIET h6 so khitiu npi ddi b6i thudng, trong d6 liet ke chi tiiit tAt cit cdc
chuong trinh bio hii5m cho tdi sin tlugc sri dgng boi Ngudi tlugc b6o hi€m tai tlia di6m ttuoc
b6o hi€m cho mgc <lich hoat dQng kinh doanh hodc bAt cri h4ng mgc niro cria tii s6n il6 holc
bft cri t$n th6t hflu qui ndo trong vdng 30 ngdy sau khi k6t thric thdi hen bdi thuong ho4c l6u
hon n6u ttugc BAO VIET ch6p thu4n.
-
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(b) Cung cAp cho BAO VIET c6c s6 s6ch kii todn vd c6c sd s6ch kinh doanh kh6c, c6c ho6 don,chimg tir, bi6n lai, cic tdi liQu kh6c, c6c bing chtmg, thdng tin li6n quan d6n t6n th6t, c6c tiiliQu n6i 16 ngudn giic vd nguy€n nhdn ti5n th6t, tinh huiSng ti5n thAt, nhirng tdi liQu li€n quantli5n tr6ch nhi€m cria BAO VIET vd nhfrng tdi li€u kh6c md BAO VIET c6 th6 y€u cAu m6tc6ch hgrp li phgc vg gi6m tlinh vd x6c minh khi6u npi, it6ng thoi Ngudi tluoc bdo hi€m phnigrii cho BAO VIET mQt vdn bin cam k6t tinh chAt x6c thuc cria khi6u n4i vd cria b6t cri v6ndA ndo c6 li6n quan d6n khi6u n4i.
2. MAt quy6n lgr du-oc UOi tnuong
(a) Ngudi duo. c bio hi6m sE m6t quyen duoc bdi thuong theo Hqp d6ng bio hi€m niy ntiu khitiunai cria hg ld man tr6 v€ U6t tcy phuong diQn ndo, hodc nt5u Ngudi duo. c b6o hi€m hay tlaidiQn cria ho st dung c6c thri tlo4n vd c6c biQn ph6p man trri nhim truc loi qua Hgp d6ng bdohiiSm ndy hoic ThiQt hpi gdy ra do hinh ctQng c6 cht tdm hay c6 su tt6ng lod c0a Ngudi tluo. cb6o hi€m.
(b) Quy€n lgi theo Hqp ddng bio hi€m ndy cfing se m6t hiQu lyc eOi vOi khii5u nai ndo:
(D t16 bi khudc tir md kh6ng c6 kiQn c5o, t6 tung trong vdng 12 th6ng ki5 tir khi bikhu6c tub6i thuong,
hodc
(ii) de cluo. c giii quytit qua trgng tdi theo Didu kiQn 5 cria Hgp ddng bio hi€m ndy md kh6ngc6 kiQn c6o, t6 tung trong vdng 12 th6ng k6 tir khi trong tdi holc trong tdi chung dua raphrin quytit.
3. D6ng g6p t6n thit
Ntlu tai thdi til6m xiy ra ThiQt hpi theo Hgp ddng b6o hitim ndy, t6n th6t th6t ho6c mQt phAn t6ntn6t Aa cluo.c b6o hi€m bing mQt Hqp ddng b6o hitlm kh6c cho Ngudi duoc bio hi6m hoac rtaidi6n cria Ngudi tluo. c bio hi6m, thi trong bdt k! truong hgp nio tr6ch nhiQm cta BAo VIETcfing chi gi6i hpn 0 phAn t6n thAt phAn b6 cho bio hi6m niy theo r! lQ.
4. Th6 quy€n
Theo y6u cAu cta BAo VIET vd vdi chi phi do BAo VIET chiu, ngudi khi6u nai theo Hgp d6ngbio hi€m niy phdi thgc hi€n, cing thgc hiQn ho{c cho ph6p ti6n hdnh mgi c6ng vigc cAn iiitSt vIhqp ly nhim b6o luu crlc quy€n vi c6c bi6n ph6p t.u bdo chfra hodc nhim rtdi cac Uen thri ba mi6nh6ch hodc bOi thuong. D6 ld c6c quyAn md BAO VIPT rluo. c huong sau khi b6i thuong choNgudi tluoc b6o hi€m. Tuy nhi6n, c6c cdng vi6c ndy c6 th€ duoc ti6n hdnh hay y€u cAu ti6fianntrudc hay sau khi BAO VIET UOi thuong.
5. Trgng tii
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Ntiu c6 U6t ty sy kh6c biQt ndo ph6t sinh li€n quan tttin s6 ti€n phdi chi trd theo Hgp d6ng bno
hi€m ndy (n6i c6ch kh6c tr6ch nhiQm kh6ng tlugc ch6p nhfln) thi sg kh6c biQt nhu vdy clugc xem
xdt boi mQt trgng tdi dugc chi dinh boi c6c b6n phir hqp vdi lu$t dinh. Khi c6 sg khfc bipt theo
diAu kiQn ndy cAn dugc dua ra phdn xir, ph6n quyi5t se h tli€u kiQn ti6n quy6t cho UAt t<y quyAn
thgc thi ndo chi5ng l4i c6ng ty b6o hi€m.
:
)NY\
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Co sO kG khai sti ti6n bf,o hi6m vi bOi thuune: LgI M{UAN GQP (Theo PIiltOI{c pffAprRU)
Phin bio hi6m cho Lgi nhugn gQp
Ph4m vi b6o hiiSm theo PhAn ndy ttuqc gi6i han cho tdn th6t vA tqi nhu{n GOp gay ra do (a) SpTGIAM DOANH THU vd (b) CHI fni HO4r DQNG GIA TANG vd khodn ti€n b6i thuong phaitr6 s€ ld:
(a) <l6i vdi SpT GIAM DOANH THU: khoin tiAn duo. c tinh to6n bing c6ch nh6n T! lQ Lqinhu$n GQp voi sO tiAn ch€nh lQch gita Doanh thu trong Thdi h4n nOi ttruong vd Doanh thuTi6u chuAn do hgu qud cria tdn thAt hay thiQt hai.
(b) d6i vdi CHI PHi LAM VIEC GIA TANG: li c6c chi phf ting th€m (phs thuQc vio quy dinhtrong Di€u khoin Chi phf Co Ainn Khdng dugc b6o hiem) ph6t sinh m6t c6ch can tnirit vahqp ly chi cho muc tlich ilt-a ngin ngira hay han ch6 viQc gi6m Doanh thu, md ntiu khong c6c6c chi phf ndy thi sy sut giim doanh thu c6 ttr6 Oa xiry ratrong Thoi han BOi thudng do hfuqud cria t6n th6t, nhung c6c chi phf ndy khdng duoc vuot qu6 s6 ti€n tlu-o. c tinh to;n bingc6ch nhdn T! lQ Lqi nhudn GQp vdi s5 sw giim doanh thu dd ngin ch4n dugc
tru di b6t ct khoin tiAn ndo duoc ti6t kiQm trong sui5t Thdi han B6i thudng md c6c khodn chi phindy v6n c6 th6 dugc tri ngoii Lgi nhudn GQp ngay cd khi c6ng vi€c kinh doanh bi ngmg trQ hoflcgi6m srit do hflu qui c0a thiet hAi.
Quy tlinh ring n6u 56 tiAn b6o hitim k€ khai theo khoin muc ndy @hAn bao hi6m cho Loi nhudnGQp) thSp hon si5 ti6n dugc tfnh bing c6ch nhdn Tj, lQ Lqi nhudn gQp vdi Doanh thu Hang ndm(ho?c nhin theo fj lQ tnng tuong ung khi Thdi fun nOi ttruong fOi Oa vugt qu6 12 th6ng),thi s6tiOn b6i thudrng sE giim theo rj,lQ tuong fmg.
Dinh nghia
Ghi chri l: Vi Ngudi ilu-o. c bno hi6m chiu tr6ch nhi6m voi co quan thui5 v€ thuti gi6 tri gia tdng,ffutcitchc eliAu khodn cria Hop rl6ng b6o hi6m sE loai tru khoin it u6 nay.
Ghi chri 2: Vi muc dich cria c6c kh6i niQm ndy, U6t tcy m6t sg itidu chinh ndo dugc thpc hiQntrong kii to6n chi phf hiQn tgi sE rlugc b6 qua.
Thdi han noi thuong: Ld thdi han bit dAu k€ tir thdi di€m ph6t sinh t6n thdt vd k6t thric kh6ngvuot qu6 Thdi h4n nOi thuong fOi Oa md trong thdi gian tt6 ktit qud kinh doanh b! 6nh huong doh$u qui cria t6n thSt thiQt h4i.
Thdi h4n nOi ttruong Ttii da: theo quy tlinh trong Gi5y chung nhin/B6n php luc Hqrp d6ng bnohi€m.
Doanh thu: Khoan ti6n dd trbhay c6 thii tluoc tri cho Ngudi ctuoc b6o hi6m cho c6c hdng h6a rtdb6n vd tl6 giao hang hay tli cung cdp dich vu trong vi6c kinh doanh tai ctla di€m b6o hi6m.
Loi nhudn GQp: ld khodn ti€n tinh to6n bing c6ch
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(i) TOng c6c kho6n Doanh thu cQng Gi6 trit6n kho cuOi tcy vd cdc cOng viQc tlang titin hdnh
cu6i ky trtr di
(ii) TOng c6c khoin t6n kho ttAu k! vd c6c cdng viQc tii5n hdnh dau k! vd c5c Chi phf Ho4t
ttQng khdng tlugc bio hitim
Chri j: Girl tri t6n kho <tAu vd cu6i ki,, c6c cOng viQc titin hdnh dAu kj vd cudi kj' s€ tlugc tinh
theo phuong ph6p kti toan th0ng thuong ctia Ngudi ilugc bio hi6m cirng c6c quy tlinh v€ kh6u
hao.
C6'c Chi phi Hopt tlQng lftdng dugc bio hi6m:
Cric Chi phi mua hing (tru di b6t crl khoin gi6m gi6/chi6t kh6u dugc huong)
Cudc ph( v$n chuyrln
Cu6c phi tl6ng g6i vd vin tii (Kh0ng k6 c6c chi phi v4n tii do Ngudi clugc bio hi€m t.u thgc
hiQn)
C6c kho6n giim gi6lchil5t t<tr6u
vd c6c kho6n mqc liQt k€ trong Danh mgc dinh kdm.
Ghi chf : C6c tir vi cqm tu sri dpng trong dinh nghTa ndy sE lu6n mang f nghia g6n [€n thudng c6
trong si5 s6ch vd ki5 to6n cta Ngudi iluo. c b6o hi€m.
T"f LE LqI NHUAN GO. P: h ti l€ lqi nhufln ViQc ctiAu chinh tlugc thgc hiQn ktri cin thitit
gQp thu tlugc tt doanh thu trong sul5t nam tai theo xu hudng vd c6c thay d6i trong kinh doanh
chfnh ngay tru6c ngdy xiy ra thi€t hai vd c6c truong hqp d?c biet anh huong di5n viQc
kinh doanh hodc tru6c hoic sau khi xiy ra t6nDOANH THU HANG NAM: ld doanh thu cria th6t hoflc nhtng trudng hqp 6nh huong tdi kinhl2thingngaytru6cngdyxiyrathieth?i doanh ngay cit khi t6n th6t kh6ng xiy ra, bdi
DOANH THU TIEU CHUAN: li doanh thu :?l tult:," ttuo'c tti6u chinh sE phin 6nh s6t c6c
cria giai dopn tuong img v6i rhoi r,an'sl"i l:::ilJi[iJ"#t?:l"tf,:rj;%:1il#'thuong trong 12 th6ng ngay trudc thdi di€m
xiy ra thiQt hai.
DrEu KHoAN cAc cru pHi co DINH rHONc DUqc BAo HIEM: NiSu c6 u6t tcy kho6n
chi phi kinh doanh cO Oinh ndo khOng tluoc bio hi6m theo Hqp d6ng bdo hi€m ndy (da dugc trir
Ai ee tintr torin Lgi nhugn gQp theo nhu quy tllnh trong don) thi khi tinh to6n s5 ti€n tluqc b6i
thuong theo Chi phi Lim viQc Gia ting, thi f! lQ cria Chi phi ting th€m sC cluo. c tinh to6n tr€n co
s0 gita Lgi nhuin GQp vd ti5ng cria Lgi nhuin GQp vd c6c Chi phi C6 dinh Kh0ng dugc b6o
hi€m.
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DIEU KHOAN KINH DOANH TFIAY THE: Ntiu trong Thdi han B6i thudng, vi lqi ich kinhdoanh hdng ho6 tluoc b6n hoflc dich vg duoc titin hdnh bdi Ngudi cluo. c bio hi€m ho{c dai diQncria Ngudi clu-o. c bio hi€m tgi ilia di€m kh6c vdi dla di€m ilugc bio hitam, thi kho6n tidn duoc trdnhodc khoin tiAn phni tri li€n quan di5n Doanh thu b6n hdng hodc c6c dich vu d6 s6 tlu-o. c tinh vdodoanh thu trong Thdi h4n nOi ttruong.
DIEU KHOAN DIEU cHiNH PHi: Phi b6o hi6m thanh to6n theo Hgp tl6ng bno hiiSm niy c6th6 tluo. c ttiAu chinh khi BAo VIET nhdn tluoc khai b6o vC lqi nhufn GQp thu duo. c trong ndmtii chfnh gin nh6t tuong img vdi thdi hpn bno hi€m theo b6o ciio cta ki6m to6n vi€n cria Nsuditlu-o. c b6o hi6m.
Ni5u c6 thiQt hai xdy ra din dtin khitiu n4i tdn th6t vA tqi nhufn GQp, 86o ViQt s6 tdng con s6trong khai b6o n6i tr€n cho mgc tlich tti6u chinh phf bing vdi khoin Lgi nhufln eOp da bi gidm ditrong ndm tdi chinh do hflu qu6 cria thiQt hai.
NiSu lqi nhug gdp trong khai b6o (dd ttuo. c <liAu chinh nhu tr€n vd ting tuorrg fmg theo fj lQ ntiuThoi h4n nOi ttruong t5i ea vuot qu6 12 th6ng) it hon sO tien beo hi6m criaiqi itrupn GQp chokhoang thdi gian bio hiiSm tuong tmg thi BAo VIPT phii hoin tr6 m6t kho6n phi bio hi€m tinhtheo fj' l€ khdng vugt qu6 25%phi b6o hirim 116 thanh to6n.
Ctr s& kG khai s5 tidn bio hi6m vi n6i thuirng Lgr NIIUAN Gep (Theo pliltot{c pHApcQNG)
Phin bio hi6m cho Lgi nhugn GQp
Pham vi bio hi€m theo Phdn ndy tlugc gi6i han cho t6n thdt ve Loi nhu6n Gqp gdy ra do (a) SlTGIAM DOANH THU vd (b) CHI PHi HOAT DONG GIA TANG va nroan tiAn UOi rr,o*g pf,aihi sE ld:
(c) tt6i vdi SpT GIAM DOANH THU: khoin ti€n tluoc tinh to6n bing c6ch nh6n Tf lg Lqinhufln GQp vdi sO ti€n ch€nh lQch gioa Doanh thu trong Thdi hpn nOi ttruong vd Doanh thuTi6u chuAn do hflu qui cria t6n th6t hay thiQt h4i.
(d) doi vdi CHI PHi LAM VIEC GIA TANG: ld c6c chi phf tiing th€m (php thuQc vdo quy rtinhtrong Didu kho6n Chi phf co einn Kh0ng du-o. c b6o hi6m) ph6t sinh mQt c6ch .anit itit-uahqp ly chi cho muc dfch di5 ngin ngira hay h4n chil vi6c gi6m doanh thu, md n6u kh6ng c6c6c chi phf ndy thi su sut gi6m doanh thu c6 the de xiy ra trong thdi han b6i thuong do hduqui cria t6n th6t, nhung c6c chi phf niy khOng tluoc vugt qua rO ti6n rlugc tfnh tJ6n bingc6ch nhan Ty le Lqi nhufln GQp v6i s6 sut gi6m doanh thu dE ngdn chin rlucrc
tru di b6t cf khodn tiAn ndo iluo. c titit ki€m trong su6t Thdi han BOi thuong md ciic khodn chi phindy v6n c6 th€ tluo. c tri ngodi Loi nhu$n GQp ngay c6 khi c6ng vi€c kinh doanh bi ngung tr€ hodcgi6m srit do hdu qu6 cria thiet hAi.
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Quy dinh rAng ni5u SO tiAn bdo hi6m k€ khai theo khoin mgc niy (PhAn bno hi6m cho Lgi nhuinGQp) th6p hcrn s6 tiAn du-o. c tfnh bing cdch nhdn T! lC Lqi nhu{n GQp vdi Doanh thu Hing nim(hoqc nhdn theo tj'lQ tnng tuong ung khi Thdi h4n n6i thucrng tOi Oa vugt qu6 12 th6ng), thi si5
ti€n bdi thudng sE giAm theo fj'lQ tucrng ung.
Dinh nghia
Ghi chri l: Vi Ngudi clugc bno hitim chlu tr6ch nhiQm v6i co quan thuti ve tnu6 gi6 tri gia ting,tdtcitcdc diAu khoin cria Hqp tt6ng b6o hi€m sE loai tru khoin thu6 ndy.
Ghi chri 2: Vi mgc ttfch cta c6c kh6i niQm niy, Ulit ty mQt s1r eli€u chinh ndo duo. c thyc hiQn
hong kl5 to6n chi phf hiQn t4i s€ dugc b6 qua.
THoI HAN B0I rHuoNG: Le thdi hpn b6t dau kC tir thdi ili€m x6y ra thiQt hai vd k6t thirc
kh6ng vugt qu6 thdi h4n UOi ttruong tOi tta md trong thdi gian d6 kiit qui kinh doanh bi anh
huong do h$u qui cria tdn th6t thiQt h4i vdi tli€u ki€n ring C0ng ty bdo hi6m khdng chiu tr6ch
nhiQm cho t6n thdt ph6t ph6t sinh trong thdi gian mi6n thudng, thdi gian mi6n thudng ttugc tfnhte tt ttrOi di6m bit ttAu gi6n doSn hof;c ngirng tr€ kinh doanh ph6t sinh do khii5u nai theo Hgpddng b6o hi6m ndy.
THOI HAN B0I THUONG t6t Oa: theo quy tlinh trong Gi5y chung nhgn/Bin Phu lqc HApit6ng b6o hi6m.
DOANH THU - Khoan ti€n tlfl tri hay c6 thiS duo.c tri cho Nguoi tlugc b6o hii5m cho c6c hang
h6a ild b6n vd tl6 giao hang hay tld cung c6p dlch vp trong vi€c kinh doanh tei tlia tti6m b6o hi€m.
LQI NHUAN GQP - Ld khoin tiAn duo. c tfnh to6n bing c6ch cQng Lgi nhuin rdng vdi Chi phiCO dinh Duo. c bio hii3m, ho{c ntiu kh6ng c6 Lgi nhugn Rdng, 6y Chi phi CO <tinh Duo. c biohi€m tru tti mQt tj lQ cria b6t ct tdn th6t kinh doanh ndo duo. c tinh to6n dga tr€n Chi phi cO Ointr
tluo. c bio hiiSm chia cho t6t ci chi phf c5 dinh trong kinh doanh c0a nguoi dugc bAo hii5m.
LQI NHUAN RONG - Ld lqi nhufn kinh doanh rdng (khdng bao gdm tit cir c6c khoin thu vd
v6n bO sung cfing nhu c6c khodn kinh phf clugc tfnh mQt c6ch hqp ly tr6n v6n) tu viQc kinh doanh
cta ngudi dugc bf,o hi€m t4i ttia diiim tlugc bio hiiSm sau khi quy tlinh ndy tld tlugc thuc hiQn cho
tdtcircSc chi phf cO einh vd chi phf kh6c k€ cn kh6u hao tru6c khi ginm trir b6t cri kho6n thu6 ndo
tr6n lsi nhu$n.
CHI PHi CO Op.rff DUqC BAO HIEM - Theo Danh mqc k6 khai tlfnh kdm
Ghi chri: C6c tu vd cum tu sri dgng trong dinh nghia ndy (trt ti6n cdng) s€ lu6n mang y nghTa giin
nAn thuong c6 hong si5 s6ch vd k6 to6n cria Ngudi duo. c b6o hi6m.
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Tf LE LOI NHU .N Gep: ld r! le lqi nhufngQp thu dugc tu doanh thu trong sutit nem taichfnh ngay trudc ngdy xiry rathiQt hAi
DOANH THU HANG NAM: Id doanh thu cIal2th6ng ngay tru6c ngiy xdy ra thi€t h4i
DOANH THU TIEU CHUAN: Ii doanh thucria giai tlo4n tuong ung v6i thdi h4n b6ithuong trong 12 th6ng ngay trudc thdi diilmxiy ra thiet hei.
ViQc tti€u chinh duo. c thgc hiQn khi cdn thi6ttheo xu huong vd c6c thay tt6i trong kinh doanh
vd c6c trudng hqrp (t?c bigt anh hu&ng di5n viQc
kinh doanh ho[c tru6c ho{c sau khi x6y ra t6nth6t ho4c nhiing trudng hqp inh huong tdi kinhdoanh ngay cd ktri tdn th6t kh6ng xiy ra, bdiviy s6 liQu dugc tli6u chinh sE phin 6nh s6t c6c
ki5t qun thyc ti5 mQt c6ch hqp ly duo. c duy tritrong thdi ki tuong rlmg sau khi xdy ra t6n thAt.
THIEU H.UT DOANH THU
SO ti6n md do hiu qud cria ThiQt hai doanh thu trong mQt thdi lcj ginm srit mQt phAn so vdiDoanh thu ti€u chuAn cfia giai tloan d6.
DIEU KHOAN KINH DOANH THAY Tts: Ntiu trong Thdi fun B6i thudng, vi lqi ich kinhdoanh hang ho6 cluo. c b6n hoic dich vu dugc ti6n hdnh b0i Ngudi dugc bio hiiim ho4c d4i diQn
c0a Ngudi cluo. c bio hi€m tai dla tti€m kh6c vdi tlla <ti€m dugc bio hitim, thi khoin tidrn dugctrin ho{c khoan ti6n phii trd li€n quan <ftSn Doanh thu b6n hdng ho4c c6c dich vg d6 sE duo. c tfnhvdo Doanh thu trong Thdi h4n nOi ttruong.
DrEu KHOAN CAC CHI pni CO D[-NH KHoNG EUQC sAO FilEIU: Ntiu c6 Uat ty kho6nchi phf kinh doanh cO einn ndo kh6ng tlugc bdo hi6m theo Hqrp (t6ng bAo hi€m ndy (iti tluo. c trudi dC tinh to6n Lgi nhuin gQp theo nhu quy ilinh trong iton) thi khi tinh to6n s6 tidn du-o. c b6ithulng theo Chi phi Lnm vi6c Gia tdng, thi r! lQ cria chi phf tiing thdm sE duo. c tinh to6n tr6n cosO giila Lgi nhu$n gQp vd t6ng cta Lgi nhu{n GQp vi c6c Chi phf C6 ttinh Kh6ng ilugc b6o hi6m.
OmU KHOAN DIEU CHINH PHi: Ph( b6o hi6m thanh to6n theo Hqp ttong bno hitim ndy c6 th6tluo. c di€u chinh khi BAO VIET nhdn clugc khai b6o ve Lqi nhufn gQp thu duo. c trong ndm tiichinh gAn nh6t tuong rlmg vdi thdi h4n bio hitim theo b6o c6o cria ki6m to6n vi6n cria Ngudiduo. c bio hii3m.
N6u c6 thiQt fui xay ra din dr5n khii5u n4i t6n thdt ve tqi nhuan GQp, Bdo ViQt s6 tdng con s5
trong khai b6o n6i tr€n cho muc clich tti6u chinh phf bing vdi khodn Loi nhuQn GQp de b!ginm ditrong nim tAi chinh do hdu qui c0a thiQt hai.
Ni5u Lqi nhufn Gdp trong khai b6o (tt6 dugc di€u chinh nhu tr€n vd ting tuong img theo t! lQ n6uthdi hpn Udi thuong t6i da vuot qu6 12 thang) ft hon sO tien bio hi6m cria Loi nhugn GQp chokhoing thdi gian b6o hi6m tuong rmg thi BAO VIET phii hodn tri mOt khoin phi bio hi€m tfnhtheo f! lQ kh6ng vuot qu6 25% phi bdo hi€m di thanh to6n.
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BAG)YIET *,-b Insrr.ancesA!' rr*s ei$ .-*a
GAY YEU cAUBAO HIEM TAI SAN
Ghi rct den: SO nh a/ Dadngl Phtrtng 6il, QuQn (Huyeil, nnh th enh ph6)
T6n Nguoi duqc bio hiem
Dia chi li€n h€
Ma s6 thuc leoi vOit6 chric)
s6 CMND (d6i voi cd nhan)
MUc dich sr? dung crla tdi sin dugc bio hidm
Oia di6m duqc bio hi6m
r V6n
s Nha&
rt
Nhd m6y sin xuitMuc dich kh6c (dE ngh! ghi 16)
l- Nha kho
(Chi ti6t den: Sd nh e/ Dudng/ Phttrn9 X4, QuAn (Huyeil, nnh (m anh ph6)
Nginh ngh6 kinh doanh cria ngudi dugc bdo hi6m
Thdi han duo. c bAo hi6m Tir
1. Bio hi€m Thi€t hai vat chat
1.1 l* Bio hi€m chSy vA cii rrii ro dic bi€t
r A. ch6yf D. Dinh c6ng, bii c6ngf G. Gi6ng bio ngip lutf J. Rd d nudc tir sprinkler
1.2 f Don Bio hi6m Mqi nli ro tAi sin1 .3 |* Don Bio hi6m Mqi rii ro c6ng nghiQp
2. f Bao hi6m gi6n ttoan kinh doanh
Bao giim Ch5y n6 bit ouqc
r B.N6r E. Oong datf H. Vd hay trin nudc
Bao gdm Ch6y n6 bit buQc
Bao giim Ch6y n6 b5t ouqc
l"- c6
rrI
l* c6rc6
l- Kh6ng
C. M5y bay roi
F. Gi6ng biol. Va cham xe cA
f* KnOng
f Kh6ng
Cho y: Chi llra cfign phAn Gian do?n kinh doanh khi d6ng thdi tham gia phAn ThiQt hai vit chit
.\
)t':
,1. K6t ciu xay dyng
a. Tudng bao:
b. M6i lEp:
c. Khung nhd:
l- Binh xit
(b) H€ th6ng bAo vQ / Security Protection
t- Gach r* BCtong
l- Vft liQu kh6c, xin n€u 16
f- ttgoi r Bc t6ng
f Vft liQu kh5c, xin neu 16
l- Kim loai f B€ tong
l* Vat li€u kh5c, xin n6u 16
2. Ng6i nhd chr?a tii sin dugc bio hi6m co ti6p gi5p vdi ng6i nhA nAo khdc kh6ng
NOu c6, hiy n6u 16
a. MUc dlch sir dqrng cria ng6i nha liCn ka d6
b. NgOi nhd liiin ka d6 dugc ldm bing vat lieu gi
NEu kh6ng, tl6 nghi n6u 16 khodng cich gi0a ng6i nhA chU,a tai sin ctuEc bdo hi6m vding6i nhi k6 c{n3. C6 hoat dgng kinh doanh nguy hi6m nio dugc thgc hign gAn ng6i nhi chrla tii sin hoicbet ky yCu tii ndo kh6c co th6 lam ting nguy co ch6y khong
N6u co, d€ nghi kO khai 16 hoqt dQng d6
4. Ng6i nhd chrla tii sin bio hi6m dugc xay dyng ttr khi ndo
5. Hoat dQng kinh doanh tlugc thr,rc hign tai ng6i nhd chrla tii sin bio hi6m ttr khi nio6. Hiy m6 ti(a) Hg th6ng phdng chiy
l* H€ th6ng ch0a chdy tu dQng
T Amiang
f Amiang
rc6I T6n
f Kh6ng c6 tudng bao
rc6 f- Kh6ng
l- Tudng bao l* Mdi lop
rc6 |* Kh6ng
He th6ng bdo ch6y
C6 canh g5c tuin tra
T Kh6ng c6
r Kh6ng c6l* C6 ch6t & kh6a f C6 hC th6ng b5o ilQng
1. PHAN BAo H|CM TH|FT HATvAT cHArTh6no tin chi tiil vA Ei sdn duoc bdo hi6m h)u kh1no thd ahi ft. xin hdv dOn vdo birn ke khai chi ti6t duoc dinh kdm)
Hgng mgc tii sdrn bio hi6m SO ti6n bAo hiim1. NgOi nhd
2. May m6c thiCt bi
3. Tii sin b6n trong
4. Hing h6a
5. C6ctii sin kh6c
T6ng si5 ti6n bio hi6m
il. PHAN G6N DOAN K|NH DOANH
Hgng mgc tii sin bio hi6m SO tBn bio hi6m
1. Thdi han boi thudng t6i da
2. Hang mscy€u cAu bio hi6m
a. Lqi nhuin gQp
DO nghi k€ khai cdc chi phi hoqt dQng kh6ng dugc bio hi6m
b. Phi ki6m to5n
c. TiAn c6ng, ti6n luong
TnrOng hW l'i nhuan gdp khang bao gim ndn c{ng, t4n lwry phei ffi cho ngtrti ho 6ang, xin vui l6ng chos6 titn 6ng, ti'n hpng 6 yeu ceu beo hiem cho thdi han bd,i thutng de lva ct:(:ln d tr€n
d. Chi phi kh6c duqc bio hi6m, d€ nghi ghi 16
T6ng s6 ti6n bio hi6m
Cic sau c6 th6 bio hi6m cho c5ch bio hidm n6u tr6nHqng mgc tii sin bio hi6m SO tiBn bio hi6m
a. C6c chi phi c6 tfinh, xin vui ldng ghi 16
b. Lgi nhuin rdng
c. Phi ki6m todn
d. Tiiin c6ng, tidn luong
T6ng s6 tidn bio hi6m
1. C6 b6t k! hgp d6ng bio hi6m nio cdn hi€u luc dang bio hi6m cho cdc tii sin tr6n bdib5t ky Cong ty bio hi6m nAo kh6ng?
N6u c6, dd nghi n6u 16 s6 tiiin bio hi6m vi tdn c6ng ty bio hi6m cOa hgp d6ng d6
2. C6 c6ng g bio hi6m nAo tir chtii kh6ng nhQn bio hi6m hay t5i tqrc bio hi6m cho tdi sinydu ciu bio hi6m hoic chi nhin t6i tUc vdi di€u kiQn ting phi bio hi6m kh6ng?
N6u c6, d€ nghi n€u 16 t6n c6ng ty b6o hi6m vi chi ti6t su vi€c do
3. Nguoi y€u cAu bio hi6m dA tirng bi thiet hai tdi sin do bat ky r0i ro nAo y6u cAu biohidm gAy ra chua?
N6u c6, cho biiit chi ti6t t6t ci c5c t6n th6t trong 05 nim gAn dAy
rc6 |* Kh6n9
rc6 f Khong
rc6 I* Kh6ng
|* Danh muc tdi sin tlugc bio hi6m
f So eo khu vuc duqc bio hi6m
Chring t6i cam ktit ring ldi kd khai trong Gi6y y€u ciu bAo hi6m ndy li diy d0 vd trung thr,rc. Ghfng t6i c0ng d6ng ! ring, GiSy y6u
ciu blo hi6m niy li co sd tt6ng thdi li b0 phin kh6ng th€ t6ch roi cia don bio hi6m duqc c5p ti6n quan toi c5c rrji rotrOn. Ch0ng
t6i chAp nh?n cton bio hi6m cUi Aio Vi€t theo c6c di6u khodn, di6m lo?i trir vA c6c di6u kiOn tluqc quy dinh, srla d6i b6 sung hoicdinh kdm theo don bdo hi€m. /
HiQu lyc hEp il6ng bdo hidm chi bit dAu khi Bdo ViQt tli chip nhin GiSy y€u cAu niy.
Ngiv Ngudi y6u cAu bAo hiiim
T€n chrl hgp it6ng/ B€n mua BH
Ma s6 thu6
Dia chi li€n he
C6 cln hgp ddng kh6ng, naiu c6 diiin c6c th6ng tin sau? _|* C6
Ngudi tlqi diQn/ chr?c vg
Tii khoin
s6 dign thoai
l- Kh6ns
TOn ngudi thg hudng
Oia chi li€n he
Me so thue (d6ivoit6 cht?c)
56 CMND (d6ivdicd nhtn)
Luu f khAc
tin chi ti6t v6 s6 ti6n d(mq ouv6n thu hu&no Ghi di6n khi 36 ti6n kh6c vhi 36 tiin Bdo{qng mgc tii sin bio hi6m 56 ti6n drlng quyin thg hudng
1. NgOi nhA
2. May m6c thiCt bi
3. Tii sin b€n trong
4. Hing h6a
5. Cic tAi sdn kh6c
I6ng s6 ti€n bio hi6m
sooo KHU vu. c ougc BAo HIEM
4t'/Tl
I
)\OB nghi Ngudi y6u clu bio hi6m cung c5p so tl6 khu vuc bio hi6m vi c6c th6ng tin b6 sung (n€u €n thi€t)
BAN DANH MUc rArsAN Dugc BAo HIEM(Ph6n loqi chifiettheo tung 4a di€m dugc bdo hi6m)
STT T6n c6c hgng mqc tdi sdn cluoc b6o 56 lugng Don gi6 Gi6 tri 56 ti6n bio hiem
T6nq s6 tiBn bio hi6m
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\
BIWET@hsuranrea$Hfualo',€r PROPOSAL FORM
PROPERTY INSURANCE
Name of the lnsured
Contact address (ln details)
Purpose of Usage
Insured Location (ln details)
Business/Occupation of the Insured
Period of Insurance
rr
Office
Household
f Factory
l* Other (please specify)
f- Warehouse
1. Physical Damage
1.1 l- Fire and Special perils
l. A. Fire
r D. strike, riot
1.2f Prcpefty All Risks
2. |- Business Interruption
a. Walls:
b. Roof:
c. Building frame:
f Brick
l* Others, please specify
f tite
l* Concrete
f Concrete
f Others, please speciry
|- Metal f Concrete
f Others, please specify
lncluding Compulsory Fire and Explosion
I* B. Explosion
l- E. Earthquake
lncluding Compulsory Fire and Explosion
|* Asbestos
f Asbestos
rrr
f Yes
C. Aircraft
F. Storm, tempest
l. lmpact damage
l* No
l- Yes rNo
Open-sided
1* G. Storm, Tempest, Flood l* H. Escape from Water tank
f J. Escape of water from sprinkler installation
Y zinc
f Wood
2. Does the premises adjoin any other premises?
lf yes, please state
a. How are the adjoining premises occupied?
b. Of what materials are the adjoining premises construc{ed?
lf no, please state the distance between the adjacent buildings and the premises to be
insured
3. ls there any hazardous trade canied out near the premises or any othercircumstances increasing the risk of fire?
lf yes, please give full particulars
4. How old is the building?
5. How long have you conducted business in the premises?
6. Please describe
(a) Fire Protection
f Hand appliances
(b) Security Protection
l. Bars & locks
I- Sprinkers
l* Yes l- No
l- Walls I- Roof
it
;l* Yes l* No
Smoke detectors
Security patrol
fNone
Note: Business intenuption seclion must be accornpanied wilh Physical damage seclion
1. Premises Construction
Monitored Alarm l-None
I. PHYSICAL DAMAGE SECTION
tems to be insured Sum Insured
1. Building
2. Machinery, Equipment
3. Contents
4. Stocks
5. Others
Total Sum Insured
II. BUSINESS INTERRUPTION SECTION
Items to be insured Sum lnsured
1. Maximum indemnity period
2. ltems to be insured
a. Gross Profit
Please speci! any Uninsured Working Expenses
b. Auditor's Fees
c. Payroll, Wages
lf Gtoss Profrt ate exc,luding Paytdl and Wages, prease state amount to be insured separately fot theseleded indem ni ty peid.
d. Others, please specify
Total Sum lnsured
the following ltems can be insuredItems to be insured Sum Insured
a. Standing Charges, please list below
b. Net Profit
c. Auditor's Fees
d. Payroll, Wages
Total Sum Insured
1. ls there any other insurance on the same property in force with this or any other
lnsurance Company?
lf yes, state the amounts and names of the Insurance companies?
2. Have you ever had a Proposal or Renewal of Insurance declined or Policy cancelled,
or Renewal invited at increased rate ?
lf yes, state the names of the Insurance Companies and full particular of each case?
3. Have you ever had any losses by any of the perils for which you require cover?
lf yes, give details of all losses for the last 05 years
l* Yes l- No
f" Yes I* No
,I
il\t
=f Yes f* No
f-List of property insured
|* sketch plan
We hereby warrant that the above statements and particulars are true and complete and that nothing materially affecting the risk has been
concealed by me/us. We agree that this Proposal and Declaration shall be the basis of the contract between us and BAOVIET. We agree to
accept a policy subject to the terms, exclusions and conditions prescribed by BAOVIET therein, endorsed thereon and attached thereto.
No insurance is in force until the Proposal has been accepted by BAOVIET.
Proposer
Policyholder
Tax code
Contact Address (ln details)
ls it necessary to issue contract?
lf yes, please provide following information:
Representative
Account Number
r-c6 l- Kh6ng
number
Beneficiary
Contact Address (ln details)
Tax code (For organization)
lD Number (For individual)
Other notes
1. Beneficiaryf The Insured is Beneficiary
l* other, please specify
2. Information to issue VAT in voice
and Sum lnsurcd ot the
lnsured Property item Sum lnsured
1. Building
2. Equipment and Machinery
3. Contents
4. Stock
5. Others
Total Sum lnsured
Gustomer name
Address
3. Bank transfer
Account name
Bank
Bank address
4. Premium paymenl
Tax code
l- One installment l- Others, please specify the number of installments
SKETCH PLAN
Please furnish sketch plan and any additional information if necessary
PROPERW SPECIFICATION
(Breakdown Sum insured of every location of risk)
ItemNo.
Description of properg lnsured Quantity Unit price Value Sum lnsured
Total Sum Insured
