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86: 00153/2006-BMIBHHH

Tp. H6 Chi Minh, ngay 17 thang 01 niim 2006 '\

QUYET D!NH COA TONG GIAM DOCTONG CONG TV cO pHAN BAo MINH

V/v: Ban hanh Quy tac, bdu phi va muc trach nhifm baa hidm batbu(jc trach nhifm dan SI! cua ngu&i kinh daanh vtjn tai hanhkhach, hang hOGdi chay va di n6 tren dUO'ngthUy n(ji dia

TONG GIAM DOC

- Can cu giAyphep thanh l~p va hO\lt dQng s6 27 GPIKDBH ngay8/9/2004 cua BQtru<'mgBQtai chinh ve vi~c thanh l~p T6ng C6ng Ty C6 Phfut Bao Minh.

- Can cu Dieu 1~t6 chuc va hO\lt dQng cua T6ng C6ng Ty C6 Phfut Bao Minh diiBan hanh kern Quy~t Dinh s6 899/20004-BHlHDQT ngay 08/09/2004 cua HQid6ng Quan t~iT6ng C6ng Ty C6 Phfut Bao Minh.Theo de nghi cua Tru<'mgPhong Bao hi~rn Hang hai.

QUYETD!NH

Di~u 1: Ban hanh Quy tilc, Bi~u phi va rnuc tnich nhi~rn bao hi~rn bilt bUQctnlchnhi~rn dan Sl,fcua nguoi kinh doanh v~n tai hanh khach, hang hoa d~ chayva d~ n6 tren du<'mgthuy nQi dia.

Di~u 2: Quy~t dinh nay co hi~u Il,fctir ngay 15/01/2006 va dUQ"cap d\lng th6ng nhAttrong h~ th6ng BAa MINH. Cac Quy~t dinh ban hanh tru6'c day trai v6'iQuy~t dinh nay deu dUQ"cMy bO.

Di~u 3: Cac 6ng PM T6ng Gi:im d6c, Tru<'mgPhong Bao hi~rn Hang hai, cac phongchlrc nang lien quan thuQc van phong Tf\! sa chinh, Giarn d6c cac C6ng tyThanh vien chiu trach nhi~rn thi hanh Quy~t dinh nay.

TONG GIAM f)OC~Nainh~:

NhuDi~u 3Ban Di~uHanh

- Luu: P.BHHH, V.Thu - TS. TRAN ViNH f>llC

..•. _.L

r- -

Be)TAl cHiNH Ce)NGHoA xA He)1 cHiJ NGHiA v:nj;T NAMDQe I~p - T" do - Hl(lnh phUe

S6: 99/2005/QEl-BTCHil N9i, ngizy 22 thang 12 nam 2005

QUYETDJNH. . nh Quy dc, bi~u phi va roue tnie.h nhi~m bao hi~m b~t bUQe

BA?0 MINweh i~m dan ~1!ella ngll~ ,?nh doanh v~n tiii hanh !<haeh,l1 h ng hoa de ehay va de no tren dllCTDgthuy nQi dja

Be) TRUONG Be) TAl cHiNH

~tkinh daanh baa hi~rn s6 24/2000/QHI0 ngay 09 thang 12 nam 2000;

- Can cu Lu~t Giao thOng duimg thuy nQi dla s6 23/2004/QHll ngay 15 thang06 narn 2004;

- Can cu Nghi djnh s6 77/2003/NEl-CP ngay 1/7/2003 Clla Chinh phu quy dinhchuc nang, nhi~rn Vl,l,quy~n hIm va co du t6 chuc cua BQ Hi chinh;

- Can cu Nghi dinh s6 125/2005/NEl-CP ngay 07/10/2005 cua Chinh phu quydinh ch~ dQbilOhi~rn b~t bUQctflich nhi~rn diin ST,rcua nguoi kinh daanh v~ tai hanhkhach, hang hoa de chay va de n6 tren duimg thuy nQi dia;

Thea d~ nghi cua Vl,Itruang Vl,IBao hi~rn,

S6' ... GitF.j.(j;f) .Ngil y3lJ. j,.f (JQ(

CV. DEN:

QUYET DJNH:

Di~u 1. Ban hanh kern thea Quy~t dinh nay Quy t~c, Bi~u phi va rnuc trachnhi~rn baa hi~rn b~t bUQc trach nhi~rn diin ST,rcua nguoi kinh daanh v~n tai hanhkhach, hang haa de chay va de n6 tren duimg thuy nQi dia.

Di~u 2. Quy~t dinh nay co hi~u IT,rcsau 15 ngay k~ ill ngay dang c6ng baa.

Di~u 3. VI,l tru<'mg VI,l Bao hi~rn, Chanh Van phong BQ Hi chinh va Thutruang cac don vi co lien quan chiu trach nhi~rn ki~rn tra, giarn sat vi~c thi hanh

.. QUY# dinh nay.".

Ntfi.rihijn:- COc'BQ, ecr quan ngang BQ, ecr quanthuQ'eChinh phil,- HBND, VBND cae tinh, thanh phbtn,re thuiie Trung ucrng,- yah ph/mg Trung ucrng va cae ban

.eila. Qang,-.Van phOng Qube Hiii,- Van ph/mg Chiltjeh nuae,- Vi~ti Ki~m sat nhan dan tbi eao,- Toa an nhan dan tbi eao,- Ccr quan Trung ucrng eila cae doan th~,- Cong bao •• eve ki~m tra van ban,

-. - Cac dan vj thuQc va tn,rc thuQc BQ,- LlIti VT, V~ Bao hi~m.

C()NG HO.AxA HQI cHi! NGHiA VIitT NAMDQc I~p - TV do - Hl}-nhphuc

B C~ ~.-..•••• (',,)~~'~~'~

~

' "" 'Oh\ lJ":\ p\_"'!" "'<;'flJf'"~'!.J, _ -'I ' , ,'i{i ',!!M.~,' /;;:, ,

c. ':tJ~,T~tt~0 HIEM BAT BUQC TRAcH NHI~M DAN SVCllA ,NGt:!",OlKlNwfiOANH VAN TAl HANH KHACH, HANG BoA DE cRA Y

-~ vA DE N6 TREN DUONG THUY NQI DlA(Ban hGnh kern thea Quy€t djnh s6 99/2005/QfJ-BTC ngay 22/12/2005 cua

B6 tru:6'ngB6 TiJichinh)

ChuO'ng I

NHiJ'NG QUY DlNH CHUNG

';,' Di~u 1. DBi tUq'ng di~u chinh va phl}-mvi lip dl}ng

1. Doanh nghi~p bao hiSm, nguai kinh doanh v~' tai hanh khach, hfmg hoadS chay va dS nl. tren duang thuy nqi dia co nghla V\l thl,l'chi~nche dq bao hiSmb~t buqc trach nhi~m dan SI,I'theo quy dinh t~i Quy t~c nay.

2. ChS dq bao hiSm b~t buqc trach nhi~m dan SI,I'cua nguai kinh doanh v~tai tren duang thuy nqi dia theo quy dinh t~i Quy t~c nay bao g6m:

a) Bao hiSm trach nhi~m dan sl,I'cua nguai kinh doanh v~n tai hang hoa d@chay va d@nl. tren duang thuy nqi dia d5i vai nguai thU ba;

b) Bao hiSm trach nhi~m dan SI,I'clla nguai kinh doanh v~n tai hanh khach'd5i vai hanh khach.

Di~u 2., Giiii thich tir ngfr

Trong Quy t~c nay, cac tu ngfr duai day duqc hiSu nhu sau:

1. Duang thllY nQi dia: la luang, au tau, cac cong trinh dua phuong ti~n quad~p, thac tren song, kenh, r~ch ho~c luang tren ha, d~m;pha, vvng, vinh, ven babiSn, ra dao, n5i cae d~o thuQc nQi thuy Cllanuac CQng hoa xa hQi Chll nghla Vi~tNam duqc tl. chuc quan ly, khai thac giao thOng v~n taL

2. Phuong ti~n thuy nqi dia (sau day g9i la phuongti~n): la tau, thuy~n vacac c~u trUc n6i k4M, Cq dQng co ho~c khong co dqng ca, tv hanh QO~cco phuong

"",

" ,'" ,", ! ' ".' ", V f-~)\,>1>~,ti~n lai ~eo chuyen hOl;ltdQng tren dUOngthuy nQi dia, co dang IcY kinh do~ viidang kiern theo quy dinh cua phap lu~t. "

3. Nguai kinh doanh v~n tM: Iiinguai v~ tili giao k~t hgp dang v~ tai hanghoa,h:inh khach vrn nguaithue v~ tai de-thvc hi~n vi~c v~ tMhang hoa, hanhkhach~milcOthu cuac phi v~n taL' "j'" ~ ,1 Y C"_ ,.-

~ ~ - ;.( ..4. NguaLv~n tai Iii tochuc, ca nhanslr d\mg phuong ti~nde v~ tai ngum,

hang hOa tren dUOngthuy nQi dja. I • ,

5. Nguai thu ba trong bao hiiirn trach nhi~rn dan sv cua nguai kinh doanhv~ tai hang hoa dS chay va dS nl, tr~n dUOngthuy nQi dia Iii nhUng nguai bi thi~thl;livS than thii, tM san do phuong ti~n thuy nQi dia gay ra, tm nhUng nguai sauday: ',' ,', :; , "

a) CM phuong'ti~ri, 'nguai laiphuang h~n, hoi'heu Va thuySri vlen cua,phuong ti~n duQ'cbao hiiirn; ,, _. _ . • .~ . . , ;r , ~ ,\

•b)'Hilnh khiich. '0 ; "j. . ,,'.'~. <.' • ,-'-: •.- .:~. . ~

6.Ben rnua bao hiiirn: Iii nguai kinh d~anh v~n tai hanh khach, hang hoa dSchayviidS ril, trenduOng thuy nQidia. ", " ,( ", _.n ' ',' ,

" ,/ lj, ':f' ,". ~7, Hanh khach: la nhung nguai duQ'c cha tren phuong ti~n theo hgp dang

v~ chuyiin hanh khach ihuQc cac hinh thuc guy dinh tl;liLu~t Giao thong dUOngthuy nQi dia. '.' J: ".: J" ".-

" 8. Hang noa dS chayvil dS n6: Iii nhUng hang hoa dugc phan 10l;litf:rlo~i Id~n lo~i 4 theo guy dinh t~i DiSu 4 vii PhVlvc s6 1 ban hanh kern theo Nghj'dinhs6 29/2005/ND-CP ngay 10/312005 cua Chinh pM quy dinh danh rnvc hang hoanguy hiiirn vii vi~c v~ tai hang hoa nguy hiiirn tren dUOngthuynQi dia. '. '

9. Muc trach nhi~rn bio hiiirn: Iii s6 tiSn t6i da rna doanh'~ghi~pbaa hiiirn cothii phai tra cho thi~t hl;livS nguai vii tai san trong rnBi vv t6n th~t xay ra thuQcph~rn yi trach nhi~mba9 hi~rn. Muc trachnhi~rnbao hiSrn dugc qu~'dinh"cvth.iit~i Giay chUng nh~ 9aO hiern phil hgp ,vaiPhv Ivc 4 ban hanh kern theo ,Quyetdinh s6 99/20051QD-BTC cua BQ truOng I3QTaichinh. n.:;')',,',.

Di~u3: HQ'pdBng hilo hi€rn

Treri-'~;s6 Gi~yy~u du ba'o hi~rn cua'bSri~~abao hi~ni,:doariliiighi~p biohi~rn dp Gi~y chUng nh~n bao hi~rn cho ben rnua baa hi~rn, Gi~y chUng rih~n baahi~rn Iii bAng chUng ky k~t hgp dang bao hiiirn giiia ben rnua bao hi~rn vai daarih

2

"

nghi~p bao hi~m. Giay chUng nh?n bao hi~m duqc l?p theo mdu quy dinh t~i Phvlvc 1 ban hanh kern theo Quy~t dinh s6 99/2005/QD-BTC cua BQ tru<'mgBQ Taichinh.

I>ieu 4, Phi bao hi~m va mlfc tnlch nhi~m bao hi~m

Doanh nghi~p bao hi@mva ben mua bao hi~m co trach nhi~m tuau thu Bi@uphi va muc trach nhi~m bao hi~m quy dinh t~i Phv Ivc 4 ban hanh kern theo Quy~tdinh s6 99/2005/QD-BTC cua BQtru<'mgBQTai chinh.

Doanh nghi~p bao hi@mva ben mua bao hi@mco th~ thoa thu?n ap d\mgbi@uphi va muc trach nhi~m bao hi@mcao han ho~c ph~ vi bao hi@mrQng hanQuy t~c, Bi@uphi va muc trach nhi~m bao hi~m ban hanh kern theo Quy~t dinh s699/2005/QD-BTC cua BQtru<'mgB9 Tai chinh.

l>ieu 5. Hi~u l\fc bao hi~m

Hi~u h,rc bao hi@mb~t d~u va k~t thuc theo quy dinh t~i Giay chUng nh?nbao hi~m, tm truang hqp cham dti't hqp d6ng bao hi@mtheo quy dinh cua phaplu?t.

l>ieu 6, Huy bOhQ'PdAng bao hi~m

Truang hqp co yeu c~u huy bo hqp d6ng bao hiBm, ben mua bao hiBm pMithong bao bfulg van ban cho doanh nghi~p bao hi~m bi~t truac muai Him (15)ngay. Trong vong muai Him (15) ngay kB tu ngay nh?n duqc thong bao huy bo,n~u doanh nghi~p bao hi@mkhong co y ki~n thl hqp d6ng bao hi@mm~c nhienduqc huy bo, doanh nghi~p bao hi~m pMi hoan l~i cho ben mua bao hiBm 80% s6phi bao hi~m tuang Ung vai tMi gian huy bo, tm truang hqp trong thai h~ hqpd6ng bao hiSm dang co hi~u h,rcdii xay ra S1,l ki~n bao hiSm.

l>ieu 7. Trach nhi~m cua ben mua bao hi~m

Ngoai cac trach nhi~m quy dinh t~i Di@u9, Nghi dinh s6 125/2005/ND-CPngay 7 thang 10 nam 2005 cua Chinh phu quy dinh ch~ d9 bao hiSm b~t bUQctrachnhi~m dan S1,l cua nguai kinh. doanh v?n tai hanh khach; hang hoa, (is Fl1ayva dSnb tren duang thUy nQi dia, ben mua bao hiBmcon co cac trach nhi~m duai day:

1. Dong phi bao hi@md~y du, theo thai h~n va phuang thuc dii thoa thu?ntrong hqp d6ng bao hiSm.

3

t 2.Khi yeuc5.u baohiem,ben mua'b~o hiemc6 ngIiii~ke khai d~y du,trung th\l'c mqi chi tiSt co lien quan dSn hqp d6ng bao hiein thea' yeu c~u cua doailhnghi~p bao hiem. ,,~

,,' 3. ThOng bao ng'ay nhiing twang hgp co the lam tang rili ro ho~c la'm phatsinh ili~m trach nhi~m cua doanh nghi~p bao hiem trong qua trinh th\rc hi~n hgpd6ng bao lIiem. • ' ": '

, '. ~

_",' ,4. Benmua baohiem, nguai diSu khieri phuong ti~ri,lhoa'tiSu\;~- thuySn ~i~nt " , ..' I, ' , " . ". '. ",' ' '. .

co trach nhi~mtuan thu *ca cae quy djnh cua Lu~t Giaothong duang thuy nQidja..' ' , . , ','," ,'" ' '

",t.. oJ 1~_:'" -1". ,:.,,"',

S. Khi xay ra S\l'ki~nbao hiem, ngi.rcridu-qcbao hiem co thich llhi~m: ,\ ,~, ~

a) Clm chUa, h~n chS thi~t h~i vS nguai va tai San;'DaOv~ hi~n wang nerixay ra S\l'ki~n bao hiefi1;,

". -'b) Trinh bao ngay cho chinh quYSndja phuong, cong ail ho~c don vj quan'Iy

duang thuy nQi dja g~n nhflt de I~p bien ban'theo quy djnh; I - - "" ,."~.f,.",

c) Thong bao ngay cho doanh nghi~p baa hiem de ph6i hqp giai quy@tvathongbao bkg van ban cho doanh nghi~p bao, hiem bi@t'ch?m nhat'khong qua ba(O~)ri&~y,k~t~ ngay xaFa S\l'ki~n bao hiem ho~c tirpgay phuong ti~n duqc baohiem ve den ben, cang dau tien. ", - -' ,l ''f..' - ,'

'. , ,"" •• , - :. ,..'....... • • #.

~ .• . " .• " t: . ""

, d) Nguai dugc baa hiem phai thong bao va chuyen'cho doailh nghi~p baohiem rigay khi nh~n duqc thong tin, yeu c~u doi b6i thuang, .bien ban, chUng tirphap ly lien quan d@nS\l'ki~ri bao hiem. ,T ' ",'" :' , ,>.. ' ,.

". ~'-* ~ ¥~

6. Ap d\ll1gcac bi~nphap dSphong, h~ chSt6n thfltthea quy djnh Cllaphap Iu?t.

Trong twang hgp nguai duqc bao :hiein vi ph~m cac nghia V\i' quy djnh t~iDiSu nay, d'oahh nghi~p bao hiem co cjuySnWch6i b6i thuang mQt ph~n ho?c toanbQ56 tiSn b6i thuang tu)' theo muc dQ16i cua nguai duqc bao hiertJ.' .

- .. ".,' ~ - \ . .Di~u 8. Traeh nhi~m eua doanh nghi~pbao hi~m" .

,', Ngoai cac trach nhi~m quydjnh ~i DiSu 11, Nghj djclJ sf, 12S1200SIND,tpngay 7 thang 10 nam 200S.cua Chinh phu quy djnh chS dQbaohiem b~t bUQctrachnhi~mdiin S\l'cua nguai kinh doailh v?n till harth khach, hang'hoa, d~ cliay va d~n6tren duang thuy nQidja, doailh nghi~p bao hiem con co cac trach nhi~m duai day:

1.Huang dful,~o diSu ki~n thu?n lqi de ben mua hio hiem tbam gia bao hiem.

4

~~~~.."~,

. 2. Khi xay ra S\l ki~n bao hiSm, nSu xet th~y dn thi~t, doanh nghi~p baohiSm phai ph6i hqp ch~t chi:!vai ngum dugc bao hiSm va cac ca quan chuc nangdS giai quy~t S\l vi~c, thu tMp cac thOng tin cAn thi~t co lien quan nh~m xac dinhnguyen nhan va muc dQthi~t hl,iido S\l ki~n bao hiSm gay ra.

3. Khi h6 sa b6i thu<'mgdAydu va hqp I~,doanh nghi~p bao hiSm phi'li giaiquy~t b6i thu<'mgtrang thai hl,inquy dinh tl,iiDieu 13 duai day.

Ch If(Yng II

NHUNG QUY DlNH CV THE

I>h';u9. Trach nhi~m bao hi~m

Trong phl,im vi muc trach nhi~m bao hiSm ghi tren Gi~y chUng nh?n baohi~m, doanh nghi~p bao hiSm co tnich nhi~m thanh toan cho nguai dugc baa hiSms6 tien rna nguai dugc bao hi~m phi'li b6i thu<'mgthea quy dinh cua phap lu?t, C\l

, "the baa gom:

1. D6i vai bao hi~m trach nhi~m dan S\f cua ngum kinh doanh v?n tili hanghaa d~ chay va d~ nB tren du<'mgthuy nQidia:

a) DBi vai thi~t hl,iive ngum: Chi phi rna nguai dugc baa hi~m phi'li tra theoquy dinh cua phap lu?t do phuong ti~n dugc baa hi~m gay ra thuang tfch, ho~c tl1vong cho nguai thu ba nhung kh6ng vugt qua muc quy dinh trong Bang quy dinhtra ti~n b6i thu<'mg thi~t hl,iive nguai neu tl,iiPh\l l\lc 3 ban hanh kern thea Quy~tdinh s6 9912005/QD-BTC cua BQtruO'ngBQTai chinh.

b) D6i vai thi~t hl,iiv~ ti'ti san: B6i thu<'mgthi~t hl,ii th\lC t~ theo rnuc dQ laicua nguai dugc bao hi~rn. S6 tien b6i thu<'mgdugc xac dinh tren co sa gia tri thitru<'mgclla tai san bi tBn th~t tl,iithai di~rn, nai xay ra tBn th~t va rnue dQ thi~t hl,iith\le t~.

c) Cac chi phi th\lC t~ phat sinh rna nguai dugc bao hi~m phi'ti chiu trachnhi~m diin S\l thea quy dinh eua phap lu?t va quy~t dinh eua toa an, bao g6rn:

- Chi phi khi th\lc hi~n nghla V\lhay eae bi~n phap cAn thi~t nh&rncUu sinhml,ingtren du<'mgthuy nQi dia vai di~u ki~n nguai duge bao hi~I11co nghla V\l phapIy d6i vai cae ehi phi do va eae chi phi do kh6ng th~ doi duge ill nguai thu ba

_Chi phi d.y rua 6 nhi~m dAu, ti~n phl,iteua chinh quy~n dia phuong va eaekhi~u nl,iive Mu qua do 6 nhi~m dAugay ra;

5

- Chi phi dn thiSt va hqp Iy trong vi~c ngiin nglla va h~ chS t6n th~t, trq~ -'.p . , . • ~" ,-

giup Clrun~m; ., ' ',. " . . .

- Chi philien quan dSn vi~c t6 t\lng,'tranh ch~p khiSu rl?i vS tr~ch nhi~~ld6ivai ben thu ba; '. .'

- chi phi th~p sang, danh d~u, pM huy, hay di chJy~n xac phuang ti~n bid~m (nSu co). Doanh nghi~p bao hi~m ~hi chiu trach nhi~m \is chi phi di'chuy~nxac phuang ti~n khi chu phuang ti~n tuyen b6 tu bOphuang ti~n.

2. D6i vai bao hi~m trachnhi~m dan S\l'clla nguai kinh doanh v~ tai hanhkhach: - ,

~ ,". ,. ~ . ,. '. J" .~

a) Nhfrng chi phi rna nguOi duqc bliOhiem pMi tra thea quy dinh ella phaplu~t dd hanh' khach' bi6m dau, thu,ong, t~t ho~c chStnhun& khoIlg' vuqt qua mucquy dinh trong Bang quy dinh tra tien boithuOng thi~t h?i ve nguai neu t?i Ph\ll\lc3 ban harth kern theo QuySt dinh s6 99/2005/QD-BTC cua BQtru6T).gB.QTai chinh.Nguai duqc bliO hi~m va doanh nghi~p bao hi~m co th~ thoa thu~ I\l'a ch9nphuong pMp tra tiSn phU hqp theo Bang quy dinh tra tiSn b6i thuOng thi~t h?i vSnguai neil t?i Ph\l l\lc 3 ban hanh kern theo QuyStdinh s6 99/2005/QD-BTC cuaBQtruemg BQTai chinh. - , , . •

b)Nhfrng chiphi ma"nguai duqc bao hi~m phai garth'chiu theo quy dinh CllapMp lil~t d6i vai hanh khach do h~u qua tai n~ cua phuang ti~n duqc baa hi~m(ngoai nhiing rili ro dii.quy dinh a di~m a, khoan 1 DiSU:nay)'k~ ca chi phi duahanh khach tai bSn dSn ho~c quay tra i?i bSn di. .'- ; ),.' ,

.•...~' ~Jj.' :: 'i.._

._ Trong m<;>itru~g h9'p, !,<hi~ay ra s\l' ki~n bao hi~m theo quy dinh t?i khoanI, klioan 2 neu tren, tong so tien boi thuang khong vuqt qua muc trach nhi~m baohi~m ~hi trong Gi~y chUng nh~ bao hi~m va khong wqt qua s6 tiSn th\l'ctS nguaiduqc bao hi~m pMi b6i thuOng cho nguaibi thi~th?i:theo ban an ho~c quy~t dinhcua toa an. : .

Gi~1l1djnh tBn th~t ?,. . .

. ..'." ..

" . I. Khi xay ra S\l'ki~n bao hi~m, doanh nghi~p bao hi~m ho~c t6 chuc duqcdoanh, Qghi~p 1:iaoJii~m'~y quySnse tiS~"'h!mh giarridinh t6n th~t d~ xac dinhnguyen"nhan va muc dQt6n th~t. . ",:,.~_ .' ,

2. Trang truOng hqpnguai duqc bao hi~m va doanh nghi~p bao hi~m khongth6ng iili~t vS nguyen nhan va muc dQ t6n th~t thi co th~ trung cfm giam dinh dQcI~p. Trong truOng hqp cac ben khong thai thu~ duqc -vi~c tning c~u giam dinh

6

.•."..~.~.

vien dQc l~p thi mQt trong cac ben duqc yeuc~u Toaan ncri xay ra tim th:1t ho~cncringuai duqc bao hiSm cu tru chi diOOgiam diOOvien dQc l~p. K~t lu~n cua giamdiOOvien dQc l~p co gia tri b~t bUQcd6i vai cac ben. '.

Lo=.ti trir trach nhi~m biio hi~m .

;. DoaOOnghi~p b~o hiSm khong co trach nhi~m 06i thuang neu tlm th:1txay ratrong cac truang hqp duai day:

1. Hanh dQng c6 y gay thi~t hlilicua ngum bi hlili,nguai duqc bao hiSm, ho~cnguai thua haOOcua ,nguai duqc bao hiSm nhu: dlili ly,dlili di~n ho~c thuySntruang, sy quan va thuySn vien.

2, Phuang,ti~n duqc bao hiSm vi phlilm I~OOdm do cac ca quan co th~m;quySnban Moo ho~c hOliltdQng kiOOdoaOOtrai phep.

3. Vi phlilmnghiem tn,mg lu~t l~ giao thong duang thuy bao g6m:

a) Nguai 1Mphuang ti~n, hoa tieu va thuy~n vien cua phuarig ti~n duqc baohiSm trong khi lam nhi~m V\l chiu anh huang cua ruqu, bia; rna tl'iy ho~c cac ch:1tkfch thfch tuang t\l' khac; . '.

b) Phuang ti~n duqc bao hiSm di vao tuyen, lu6ng c:1m;

c) Phuang ti~n duqc bao hiSm cM khach, cM hang qua tai;

d) Phuang ti~n duqc bao hiSm khong du kha nang hOliltdQng, khong co gi:1ychUng oo~ an toan k:Y thu~t can hi~u l\l'c va khong co cac gi:1y chUng nh~ khanang hOliltdQng khac can hi~u l\l'c theo yeu c~u cua ca quan dang kiSm;

d) Phuang ti~n duqc bao hiSm hOliltdi,Jngngoai ph\lW vi quy dinh;

. e) Cac truang hqp khac do phap lu~t quy dinh.

, 4. Nguai 'lai phuang ti~n, hoa tieu va thuy~n vien cua phuang ti~n dugc baohiSm khong co bing ho~c chUng chi theo quy dinh.

5. Do vo, may moc ho~c trang t11ietbi cua phuang ti~n duqc bao hiSm quacli ky RelY.bi hap Illon t\l' nhien.

6. Phuang ti~n duqc bao hiSm bi m~c clilndo thtiy tri~u ho~ccon nuac lenxu6nK,trong luc dang neo d~u. .

...' . ,'. ....'. . 'I

;;, Thi~t hlil1d6i vai tal san bi mgt dp ho~c bi cu6'p trong tai nlilll;! ,. ~'.

7

8. Thi~t h?i d6i vai hang hoa dugc chllyen cha tren phuang ti~n theo hgpdang v~n tai hang hoa; .'

9. ChiSn tranh va cac nguyen nhan tuang tl! nhu chiSn tranh;

10. Thi~t h?i d6i vai tai sim d?c bi~t bao gam: vang b?c, da quy, tiSn vanhUng gi~y ta co gia tri va tinh dugc thanh tiSn, da c6; tranh anhquy hiSm, thi hai,haic6t.

11. Doanh nghi~p bao hi~m khong co trach nhi~m bai thuang d6i vai nhUngchi phi duai day:

" a) Chi phi lien quan dSn vi~c ch~m tr~ Cllaphuang ti~n dugc bao hiSm ho?chang hOa bi giam gia trj, m~t thi truang ho?c chi phi' lien quan dSn ho?t d9ng kinhdoanh Cllaphuang ti~n dugc bao hiSm;

b) S6 tiSn bao hiSm theo hgp dang bao hi~m than tau d6i vai truang hgpthi~t h?i gay ra cho tau. ...

Dieu 12. H~ A ~ b~'th 'o sO' yen cau 01 \rO'ng

1. Yeu d.u bai thuang Cllanguai dugc bao hiSm theo m~u quy dinh t?i Ph\!l\!c 2 ban hanh kern theo QUYStdinh s5 99/2005/QD-BTC CllaB9 truang B9 Taichinh.

2. Gi~y chUng nh~n bao hi~m theo m~u quy dinh t?i Ph\!l\!c 1 ban hanh kemtheo QuySt dinh s6 99/2005/QD-BTC CllaB9 truang B9 Tal chinh.

3. Gi~y dang kYphuong ti~n thuy n9i dia;' .I

4. Gi~y chUng nh~ an toan k)i thu~t thuy n9i dill; .

5. Gi~y phep v~n tai hanh khach, ve hanh khach, danh sach hanh khach (nSuco) trong truang hgp bao hi~m trach nhi~m clla nguai kinh doanh v~ tai hanhkhach; . ..

6. Gi~y phep kinh doanh v~n tai hang hoa d~ chay va d~ n6;

7. B~ng thuySn truang, may truang, chUng chi chuyen mon clla thuySn vien(tuy timg truang hgp C\!th@).

8. Bao cao tai n?ll ho?c t6n th~t valho?c Khang nghi hang hal coxac nh~clla ca quan co th:lm quySn nai xay ra tai n?n ho?c bSn, cang dSn diu tien (nSu tain?ll xay ra khi phuang ti~n dugc bao hiSm dang trong hanh trinh).

8

< < •

9. Bien ban gilim dinh cua doanh nghi~p bao hi~m hoi.ic nguai dugc doanhnghi~p bao hi~m uy quySn.

10. Bien ban tai n:;mdo chinh quySn dia phuang, CC1 quan quan Iy giao thongduang thuy hoi.iccong an I?p theo cac quy dinh vS giao thong duang thuy nQidia.

11.. Cac gidy ta ~hUn&minh thi~~h\li vS nguai nh:r gidy chUng thuang Cllan~nhan, giay ra vi~n, phieu mo va cac giay ta lien quan den cac chi phi cham soc, Clruchua, gidy chUng ill cua n:;mnhan, cac chUng tlr di~u tri, chi phi mai tang, khi~u nlli vathoa thu~ bai thuang cho nguai thu ba lien quan d~n nhUng chi phi doi bai thuang.

12. Cac gidy ta chUng minh thi~t h\li tai san nhu hoa dan sua chUa, thay maitai san bi thi~t h\ii do tai n\ln, cac hoa dan chUng tir chUng minh cac chi phi d.nthi~t rna nguai dugc bao hi~m dii chi ra d~ h:;mch~ t6n thdt hay d~ th\l'c hi~n chidin cua doanh nghi~p bao hi~m.

13. NhUng chUng tir, ta! li~u co lien quan kMc (nhu trich h,lCs6 hanh trinh,nh?t kY may, nh?t kY thai tiet, hay cac giay ta khac cua phuang ti~n dugc baohi~m...) tuy theo tUng truang hgp C\lth~.

Chuang III

GMI QUYET TRANH CHAp

Dietl 13. ThOi h~n yen din bili thlfirng va thanh toan ti~n hai thrrirngI. Thai h:;myeu c~u bai thuang cua nguai dugc bao hi~m la mQt (01) nam

k~ tir ngay xay ra tai n:;m,trir truang hgp ch?m trB do nguyen nhiin khach quan vabdt kha khimg theo quy dinh cua phap lu?t.

2. Thai h:;mthanh toan ti~n bai thuang cua doanh nghi~p bao hi~m la bamuai (30) ngay k~ tir khi nh~ d~y du ha sa hgp I~ va keo dai khong qua sau muai(60) ngay trong truang hgp phai ti~n hanh xac minh ha sa.

Truang hgp tir chBi bai thuang, doanh nghi~p bao hi~m phai thong bao b~ngvan ban cho ben mua bao hi~m bi~t Iy do trong thai h\in ba muai (30) ngay k~ tirngay nh?n dugc d~y du ha sa yeu eftu bai thuang.

Dietl 14. Gil.i qny~ttranh chAp

MQi tranh chdp pMt sinh tir hgp dang bao hi~m, n~u khong giai quy~t dugcbkg thuang lugng giua cac ben se dugc dua ra toa an nai cu trU cua bi dan d~ giaiquy~t. Thai hi~u khai ki~n cac tranh chdp lien quan d~n hgp dang bao hi~m nay la

9

•ba (03)nam k@tu thai diSm phM sinhtranh chdp. Quathaih~h.tt'en;m9i khi@un~ise khong con gia trio • •

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10

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PHULUCI(Ban hanh kem thea Quyit dinh s6 99!2005!QD-BTC ngily 22 thang 12 nam 2005 cua

Bt) truUng Bt} Tid chinh)

NQI DUNG GIAY CHUNG NH~ BAo HIEMI. S6 giAychung nh~ bflOhi€m:

2. Nguai duqc bao hi€m:

3. Dja chi:

4. Ten phuang ti~n duqc bao hi€m:

5. LO(liphuang ti~n:

6. S6 dang kY (hO;lCs6 dang ki€m):

7. Tr9ng tailS6 gh~/C6ng suAt:

8. Ph(lm vi hO(ltdQng:

9. Thai h\lll bao hi€m:

Tir gia ngay ./ .1. .",< " , / /uen gw ngay .

10.Muc tnich nhi~m bao hi€m:

10.1 Bao hi€m tnich nhi~m dan SV' cua nguai kinh doanh v~ tai hang hoa d~ chay vad~ n6 tren dUO'ngthuy nQi dja d6i vai nguai thu ba:

- Milc trach nhi~m: d6ng/vJ.l, trong d6 gi6'i h\ln b6i thuO'ng trcich nhi~mdiin S\I chti phuang ti~n d6i vai thi~t h(li v€ con nguai Ill.: 30 tri~u d6ng/nguailYJ.!.

10.2. Bao hi€m trach nhi~m diin SV' cua nguai kinh doanh v~n tai hanh khach d6i vaihanh khach: 30 tri~u d6ng/nguailvJ.l.

II.Di€u ki~n bao hi€m b6 sung (neu c6):

12.Phi bao hi€m: (bfutg chiI va b~ng s6) Thu~ trj gia gia tang:

T6ng s6 ti€n thanh toan: (bfutg chiI va b~ng s6)

13.Phuang thuc d6ng phi:

14.Muc khAu trir m6i YJ.!t6n thAt:

15.Gia, phut, ngay, thang, nam cApbao hiem

16.Ten doanh nghi~p bao hi€m:

17.Ncri cAp bao hi€m: Nguai d(li di~n doanh nghi~p cAp bao hi€m (kY ten, d6ng dAu,ghi ro h9 ten).

11

PHD LUC 2(Ban himh kern thea Quyit ainh s6 9912005/QD-BTC ngiIy 22 thang 12 niirn 2005 eua

B() (mung B() TQi ehfnh)

THONG BAa TAl N~NvA YEU cAu Ben THlfONG(Luu y: NglllJi ke khai phaidQc ky va hiSu ra nhfrng yeu diu truac khi ke

khai. Doanh nghi~p bao hiSm co thS tir ch6i b6i thuemg hoi[lcgiam s6tiSn b6i thuemg n~u nh~ duqc ni;>idung ke khai thi~u trung th\Ic)

Kinh giri: [ten doanh nghi~p bilOhiSm]

Nguai duqc bao hiSm: .Dja chi: ::;..: 0' •••••• " ••••••••••••••••••••••••••

.. : :..' ;..: Di~n tho?i: ; :.~ .T' h "en p ucrng tI(fn: .L . h "O?IP uang tl(fn: .S6 dang IcY (hoi[lcs6 dang kiSm): ' .TrQng tai/S6 gh~/Cong sufit: .Gi~y ~hUng nh~ bao hiSm s6:............. C6 hi~u l\Ic tir .I ..I. d~n .1 .1 .NO! cap: .N' " .. .gay, glo nOIxay ra tal n?ll: .......................................................................... .. .

Co quan giai quy~t tai n?n: ......... .~ ~ ; .DiSn bi~n va nguyen nhiin tai n?ll:.......................... -, ......... . . .. . .

.. " .... .. -._ ~•..•.•..•.•. ;.•...•...••••.•••.• ~..........................•••••.•••. :l:::.f. ';~." .. - _.~....•...•..••.•.. ' ..................... .~..'.'.'.- ~:.": -..'.. ~<'.: ;.. ;".................................................................................................................................... . .. .

......... . .. .

Tinh hinh thi~t h?i:

V" ,.e nguCYI: .

12

•.......... .......................................... . ....................................., -.: ~i( .•• I ' \ •.. . . i"............................ - :..~ ~ .

... .VS Utisan: ! .• ' .. "~ ;.~.

....... .

..... ; : ,", '~ .. :,".,......... ; ;; ,", ~ ~~ .

...- ' :::~ '~ , : .

....................... .••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• •: •••••• '.: ••••••••••••••••• :; ••• : •••••• ~ ~ ••••••• '.-c.)•••••••••••••

............ .

...••••.• •..~....•. ~~••••....•.....••..•.• '•............•.••...•.........•••••••••........•••••••..•• '•••.••....•.••• .-••'...••• )••••••~~•• .-';J

........... ;;~~; ~ ;.~ ; .~.. ~.,Nguai lam chUng (Ghi r5 h<;>ten, dia chi nguai chUng ki~n tain~m): n~u ~o • -••••••••••••••• '; ••••••••••••••••••••• ; ••••••• .-,; • .: •••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••••• ' ••••••••••••• : ~. v

.................................................................................................................................. ,. .; . . ,.............................................................................................................................. ' .... .

-. . . .'•••••••••••.•••••••••••••••••••••••••••••••••••••.••••••••••••••••••••••••••••••••••••••••••••••••••••• :' •••••••••••••••••••••••.••• ~I

............................................................................................................. ~ .

....... .

........................................................................................................................ .

..•..•• ••••••• .•.••••••.•• •••••• •••...• ••••••....•••• ••• •••• ••..•• ••. •.•.••••••••.•.••. .•.•. •••••• . ',: .•••.•• t.' ••••••••••••.••••••••

................................................................................................................................ ...,..................................................................................... ~ ' :..; .

.. .•

Cam doan: Toi xin cam doan nhung ke khai tren day la dung S\l'th\l'c va theo S\l'hiSu bi~tcua toi. N~u co gi sai, toi xin chiu hom tom tTlichnhi~m. ,

N' h' vgay" .. tang ""nam"" .. Nguai khai kYten

13

Mfrc d{l thi~t hl,li

I. cAe TRUONG HqI' SAU DUQC GIAI QUYET BOI TRUONG mtN 30 TRI~U DONG

01 Chet02 Mil ho(j.cmat hoan toim hai mat03 Roi 10l;U1tam than hoan toan kMng the chUa dugc04 Hong hoan toan chuc nang nhai va noi

05 Mat ho(j.CIi~t hoan toan hai tay (til vai hoi;ic khuyu xuong) hoi;ic hai chan (til hang hoi;ic dauA. A01 xuon

06 Mat ca hai ban tay hoi;ic hai ban chan, ho(j.cmat mt)t canh tay va 1 ban chan, hoi;icmt)t canhta va mt)t cfuJ chan, hoi;icmt)t ban ta va mt)t cling chan.

07 Mat hoan toan kha nang lao dt)ng va lam vi~c (toan bt) bj te li~t, bj thuang dfuJ den tinh trl;U1gn~m li~t iuOn ho(ic dfuJ d~n tan tat toan bt) vInh vi€n

11-cAe TRU"ONG HQP THU"ONG T ~ T BI) PH~N

TU.... den....A.CHITREN

09 Mat mt)t canh tay til vai xuong (thao khap vai)10 Cat cllt canh tay tUdum vai xuongII Cat cllt mt)t canh tay tu khu)'u xuong (tMo khap khuyu)12 Mat tn;mmt)t ban tay hay nam ng6n clla mt)t ban13 Mat 4 ng6n tay tren mQt ban14 Mat ngon cai va ngon tro15 Mat 3 ngon tay: Ngon tro, ngon gifra va ng6n deo nhan16 Mat 1 ngon cai va 2 ngon khac17 Mat 1 ng6n cm va I ngon khac18 Mat 1 ngon tro va 2 ng6n khac19 Mat I ng6n tro va 1 ngon gifra20 Mat mN ngon cai va mt)t dot ban

Mat mt)t ngon caiMat ca dot ngoitiMat II 2 dot ngoai

21 Mat mt)t ngon tro va mt)t mt)t dot banMat mt)t ngon troMat 2 dot 2 va 3Mat dot 3

22 Mat trQn mt)t ngon gifra ho(j.cngon deo nhfuJ (ca mt)t dot ban)

2321201812119119II9863265325

26242321151411121112II985387437

14

1-

Mat mQt ng6n giua hoi;i.cmQt ng6n nhan 5 5"Mat2 dot 2 va 3 . Cc

•. f'. ,1 . 2 .4'Mat dot 3 .. I 2

23 Mat hoan toan mQt ng6n ut va dot ban .. 5 " 6Mat ca ng6nut .. . 3 " 5Mat 2 dot 2 va 3 , 2 3 ..

Mat dot 3 • >- I " 224 CUng khap ba vai 8 ., .II ',. .

25 CUng khap khuy-u tay 8 . , . II .

26 CUngkhap co tay , <.\ ' ,~ 8 -II

27 Gay tay can I~chho(ic mat xuong lam chi ngan tren 3 cm va chuc 8 . 11liang quay s~p ngua h{ll1ch8 ho(ic 410 thilnh khap gia

" .

•

28 Gay xuong cilnh tay a co giai ph~u, can xau, h(ln cbS cu dQng khap II " 14val . . " , ,,"'

"

29 Gay xuong canh tay ...- Can tot, cu dQng binh thuang ... :,. 5 I .. 8- Can xau, teo co 8 ~ 9

30 Gay 2 xudng cang tay .. 4 , 8.31 Gay 1 xuong quay ho(ic tl1,I 3 632 Khap gia 2 xuong 8 1133 Khap gia I xuong 5' 634 Gay dau du&i xuong quay' . -" 3 ., . 535 Gay mom tram quay hO(ictf\l 2 536 Gay xuong. c6 tay 3 537 Gay xuong db! ban (tuy muc dQtir 1 den nhieu dot) 2- . ~ 538 Gay xuong don: . . - -

- Can tot . . 2 c- ,"4

- Can xau, cUng vai .. - - 5 8..- C6 chen ep than kinh mil .. 9 11

39 Gay xuong biI vai:- Gay va, khuyet phan than xuong 3 5- Gay va ngilnh ngang - 5 . 7 '.• Gay va phan khap vai 9 12

40 Gay xuong ng6n tay (tuy muc dQtir 1 den nhieu ng6n) - 1 4B.CHIDUOI - ,

41 Mat 1 chan tir Mng xuong (thao khap hang I dui) 23 26

42 Cat cllt 1 dui : - 1/3 tren 21 24- 1/3 giua ho(ic du&i - . 17 23- -

43 Cat cllt I chan tu goi xuong (thao khap goi) ... 18 21

44 TMo khap co chan hoi;i.cmatI b~n chiin ,." . .17 -20

45 Mat xuong sen'. II 12

15

-~~--_ ..--- ---

46 Milt xuang g6t 11 14

47 Milt do;;mxuang chily, mac gily khOp gill.cang chan 11 14

48 Milt do;;mxuang mac 6 949 Milt ml\t ca chan: - Mat ca ngoai 3 5

- Ml\t ca trong 5 6

50 Mat ca 5 ng6n chan 14 1751 Milt 4 ng6n ca ng6n cai II 1452 Milt 4 ng6n tm ng6n CID II 1453 Mat 3 ng6n, 3-4-5 8 954 Milt 3 ng6n, 1-2-3 9 II55 Milt I ng6n cai va ng6n 2 6 856 Milt I ng6n CID 5 657 Milt I ng6n ngom ng6n cai 3 558 Mit I dot ng6n CID 2 459 CUng khOp hang 14 1760 CUng khOp goi 9 1261 Milt phdn 1&11 xuang banh cM va gim h;;mnhieu kha nang duoSicang 14 17

chan tren dili62 Gay chan can I~ch hO\lcmilt xuang lam ngan chi

- it nhilt 5 cm 12 14- Tir3 - 5 cm 11 12

63 Li~t hoan toan dily thiln kinh hong khoeo ngoai II 1464 Li~t hoan toan diiy than kinh hong khoeo trung 8 1165 Gay xuang, dili 1/3 giil'a ho~c dum (TruOng hgp phi mo duQ'c thanh

toan muc toi da)- Can tot 6 9- Can xilu, tl1,lcI~ch, chan d;;mghO\lckhep, teo co 9 12

66 Gay 1/3 tren hay co xuang dili (TruOng hqp mo duqc thanh toan toida)- Can tot, tl1,lCthang 8 II- Can xilu, chan v,.o, di dau, teo co II 14

67 !<hOpgia co xuang diJi 14 1768 Gay 2 xuang cang chan (chily +mac) 6 969 Gay xuang chily 5 770 Gay do;;mmiim chay 5 871 Gay xuang mac 3 672 DUt gan banh cM 5 873 Va xuang banh cM (truOng hgp mo thanh toan tOi da) 3 674 Va xuang banh cM bi cung khOp goi hO\lc teo ca tu dilu (tuy theo 8 9

muc dQ)75 DUt gan Achille (da n6i IIli) 5 676 Giiy xuang dot ban (tuy theo muc dQtir I den nhieu dot) 2 4

16

,

77 Vaxuang g6t 5 ' .. 8, 78 Gay xuang thuyen .. -' 5 779 Gay xuang ng6n chan (tuy rouc dQfir 1 den nhieu dot) , - 1 '480 Gay ngilnh ngang xuang mu " 8 ' , 10-81 ,Gay II ngoi 't."" > 8 " 9-- " ..

82 Gay xuang Cil.nhch~u 1 ben .. 6 • 983 Gay xuang cMu 2 ben, mea xuang ch~u (tuy muc dQ ilnh huang den, 12,', .. 18

sinh de) . ,~' "84 • Gay xuang cUng: - Khong roilo;mco trem 3 .. 5

• C6 r6i 10(111co trem, 8 11C.CQTSONG

85 Cat b6 cung sau : ~Clla I d6t song 11 12

- "- cua 2 - 3 dot song fro len 14 18

86 Gay xc;p than 1 dot s6ng (khong li~t tuy) 9 . 12

87 Gay xc;p than 2 dot s6ng trolen (khong li~t tuy) , 14',:- 1888 Gay va mom gai ho~c mom ben : ..

Cua 1 dot song ~, - 3 . 5Cua 2 • 3 dot song , 8 14D.SQNAO .. .

.. .

89 Khuyet xuang S9 (chua c6 bieu hi~n than kinh, tam than) -, .~- ,

+ £luang kinh dum 6 cm F 8 12+ £luang kinh fir 6 - 10 cm

. '~ .. ." 12 18 ,

+ £luang kinh tren 10 cm.--c , 15 '21•

90 Roi 10(111ngon ngit do ilnh huang cua vet thuang dlli nao;+Noi ngQng, noi Hlpkho khlin anh huang den giao tiep 9 12+ Khong noi duqc (cam) do t6n hili vling Broca - ~ 18 21~"

+ Mat kha nling giao djch bling chit viet (mat nh~ biet Yl rtg6n ngfr 17 21do tan hili vtmg Wernicke '0', .

.91 LQt da dau tolin bQ (1 phan theo ti 1~) 14 .. 1792 Vet thung SQnao M: .

xuang bj nUt r(ll1 12 15LUn,xuang SQ 9 .. 12Nhieu milnh xuang di sau V!lOnao 15 18

93 Chan thuang SQnao kin . -+ Va vom SQ(duang r(ll1nUt thuemg, 15mho~c lun xuang) 6 9

..+ Va xuang Ian xuong nen SQkhong co liet day than kinh 0 nen SQ 9 , 12+ Va xuang Ian xuong nen SQ,li~t day than kinh 0 nen SQ 12 .. 15

94 Chan thuang nao, ,

,+ Chan dQng nao 2 5+ PhUnao

.. 12 15, ,+ Gi(ip nao, dC;pnao 15 " 18 .... t, ;"

17

~-.

+ Chay mau khoang duai nh~n 12 15+Mau til trang SQ(ngoai mang cling, trong mang cling, trong nao) 9 12E. LONG NGVC

95 Cat bo 1-2 xuang suan 5 696 Cat bo tu 3 xuang suan tra len 8 II97 Cat b6 do~ m6i xuang suan 2 398 Gay 1 - 2 xuang suan 2 . 499 Gay 3 xuang suan tra len 5 8100 Gay xuang lIC dan thuan (chUc nang phan tim va h6 hiip binh 3 6

thuang)101 Me ho~c r(ll1xuang uc 3 5102 Cat toan bOmOt ben ph6i 21 24103 Cat nhieu thuy ph6i a 2 ben, DTS giam tren 50% 20 23104 Cat nhieu thuy pMi a I ben 15 18105 Cat 1 thuy ph6i 11 14106 Tran dich, khi, mau mang pMi (chi chQc hut dan thuiin) 1 3107 Tran khi, mau mang ph6i (phi diin lun mo cam mau) 6 9108 Ton thuang cac van tim, vach tim do chiin thuang (chua suy tim) 15 18109 Khau mang ngoai tim:

Phau thu~t ket qua h~ cM 18 21Phau thu~t ket qua tot 11 14G. Bl)NG

110 Cat toan bOd(l day 23 26111 Cal do~ d(l day 15 18112 Cal giin hel roOt non (con l(li duai 1m) 23 26113 Cat do~ roOt non 12 15114 Cal toan bOd(li trang 23 26115 Cal do~ d(li trang 15 18116 Cat bo gan phili dan thuiin 21 24117 Cat bo gan trai dan thuiin 18 21118 Cal phiin thuy gan, tuy vi tri, so IUQ1lgva ket qua phau thu~t 12 18119 Cat bo tui m~t 14 17120 Cal bo la Jach 12 15121 Cat bOdu6i tIly, lach 18 21122 Khau 10thimg d(l day 8 11123 Khau 10thimg roOt non (tuy theo muc dO 1 16hay nhieu 10thimg) 9 14124 Khau 16thung d(li trang 9 12125 D\lng r~p gan, khau gan 11 14126 Khau vo la lach 8 11127 Khau l\1y 9 11

H. CO QUAN TIET NIJi;U, SINH Dl)C

18

128 Cat b6 1 th?ri, th?ri con Il;libiOOthm'mg -.",~j;.'~ 15 18129, Cat bo 1th?ri, th?ri con Il;libi t5n thuang ho\ic b~OOIy .' 21 24130 Cat I phful th?ri tnii hoiic pMi , 9 12131 Chan thuang th?ri (tuy theo muc dQva I hoiic 2 ben) . .

" J' , .- Nh~ (khong pMi xu Iy diic hi~u, theo doi dum 5 ngay) ; ..

"1: " ;2

, - Trung biOO(phai dung thu6c diic tri, theo doi tren 5 ngay) , , 3 5 ,, ",

- Nang (co d\lllg r~p, pMi can thi~p ngol;likhoa) 14 17132 Cat 1 phan bang quang ,', 8 11133 Mo thOng bang quang vlnh vien < 21 24134 Khilu 16 thUng bang quang 9 11135 Milt duang v~t va 2 tiOOhoan a ngum .'. ,

" Dum 55 tuoi chua co con .. ,

,', 21 • 24Dum 55 tu6i co con roi , '17 '" 20Tren 55 tuO! . 11 12

136 Cat b6 dl;lcon va buong trlIng 1 ben a nguai .Duai 45 tuoi chua co con ' i . 18 21Dum 45 tuoi co con roi 9 12Tren '45tuoi "

, 8 9137 Cat vUa nft dum 45 tuoi: 1 ben 6 9 '

, 2 ben - ']4 17-. tren 45 tuoi: 1 ben .,j," 5 6-- 2 ben .' 9 12

I. MAT138 Milt ho\ic mu hoan toan 1mat

Khong lap dugc mat gia I 17 20Lap dugc mat gia .-'.' 15 18

139 MQtmat thi l\I'c con den 1110 • 9 14-140 MQtmat thi l\I'c con tiI 2/10 den 4/10 4 6 -141 MQt mat thi l\1'ccon ill 5/10 d8n 7/10 2 ' 5142 Milt ho\ic mu hoan toan 1mat OOungtmac khi xay ra tai nl;lOdii milt' 24 27

, ho\ic mu mQtm~t-' , " i

K.TAl -Mln - HQNG "143 fMc 2 tai: - ..

- Hoan toan khong ph\lc hoi dugc 23 26- Nang (Noi to ho\ic thet vao tai con nghe ) 18 21

, - ViIa (Noi to 1-2m con nghe ) \; I - {l:l. 11 14- Nh~ (Noi to 2 -4 m con nghe) , 5 8

144 £)iec 1 tai: Hoan toan khong ph\lc hOi dugc " 9 12., Vira 5 - 6Nh~ 2 5 '

145 Mat vanh tai 2 ben )~~ ,6 ,- 12

19

.-~

146 Mat vanh tai 1 ben 3 8

147 s!;Orum VaM tai, chit h!;p 6ng tai 6 8

148 Mat mlii, bien dlJ.llgmlii 5 12

149 V~t thuang hQng s~o hl;P aM huemg den nuot 6 12

L. RANG - HAM - Mi)T150 Mat 1 phao xuang hiun tren va 1 phan xuang Mm duai tu caM cao

tro xu6ng:Khac ben 24 27

Cimg ben 21 24

151 Mat toan bo xuang ham tren ha~c duai 21 24

152 Mat 1 phfuJ xuang hiun tren ho~c 1 phan xuang hiun dum (tlr 1/3 d~n 11 141/2 bi mfit) tir caM cao tro xu6ng

153 Gay xuang hiun tren va hiun duai can xau gay sai khap can nhai, an 9 11kh6

154 Gay xuang go rna, cung tiep xuang hiun tren ho~c xuang ham duai 5 8Igay r6i 10\Innhl; kh&p c~n va chuc nang nhai.

155 Kh6p hiun gia do khong lien xuang hay khuyet xuang 6 8

156 Mat rang: Tren 8 cai khong HipduQ'crang gia 9 12

Tir 5 -7 rang 5 8

Tir 3 - 4 rang 2 4

Tir 1 - 2 rang 1 2

157 Mat 3/4 lucri con goc lucri (tir duong gai V tro ra) 23 26

158 Mat 2/3 lucri tlr dau lucri 15 18

159 Mat 1/3 lucri aM huemg den phat am 5 8

160 Mat 1 phao nh6 lucri (duai 1/3) aoh huemg den pMt am 3 5M. VET THUONG PHAN MEM , BONG

161 Vet thuang phao mem (VTPM) baa gom rach da, rach niem m\IC, 4bong gao, sai khap .. khong aM huemg tm co nang (tuy thea muc don~ng, nh~, nhi@u,it)

162 VTPM gay dau, rat, te, co keo (tuy muc d(l r(lng hl;P, nhieu it), anh 4 8huemg dSn gao, C<J, m\Ich mau lem, th~n kinh

163 VTPM a ng\l'c, b\lIlg aM huemg den ho hap 11 14

164 VTPM de l\Ii Sl;OsO'cUng liun bien d\Ing mat gay tro ng\Ii den an, 12 18nhai va ClI dong c6

165 VTPM khuyet hong lem a chung quanh hOc mi~ng, vet thuang moi 15 18va rna aM hueml! nhi~u dSn an u6ng.

166 Mat 1 phan hiun ech liun thong gifra mlii va mi~ng 6 9167 B6ng nong (d(l I, d(l II)

Di~n tich dum 5 cm I 2Di~n tich tlr 5 -15% 3 5Di~n tich tren 15% 5 8

168 Bong sau (d(l III, do IV, d(l V)

20

I

Di~n tich du6i 5% 6 -- II, ""Di~n tich til 5-15% ,

11 18:.

Di~n tich tren 15% ,

18 :24--.-"

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21

t ,~~, ~.....-,"~ ..~

~U:.:,}' ~

\""', PHULUC 4~~~tJ~~~VA MirC TRAcHNHI~M BA<:> mItM T~CH N~I~M(.4:( lfAN;f$tJ~UA NGlf<:lIKINH DOANHV4N TAl HANH KHACH,

.c\~~tf:~~~;Jj!i,K.DE CHf,:, V~ DE NO TREN D~<'JNG,THU~ NQI D~>::'f,(lJ.Cf,t~-~a"lJlJJIImtheo Quyet tllnh so 99/2005/QD-BTC ngay 22 thang 12 nam 2005 cua

<$ •••• -->7 Br truemg Br Tid chinh)-~~:;.~ ;:. '<:;" ? -

I. Bieu phi bao hiem tnieh nhi~m dan s\l' eua ngmJi kinh doanh v~ tai hanghoa d~ chay va d~ nt> tren dUOngthuy ni)i dja d5i v&inguai thu ba", A. PblfO'ng ti~n'tl! himh va phtrO'ngti~n keo

Loai DhlfO'DI!tien Phi bao h~m theo muc trach nhiem (iltin!!lniim)PhlfO'Dg ti~n tl! PhlfO'Dg ti~n (trang d6, muc trach nhi~m bao hiem d6i v6'i con nguai 1a30

hanh keo tri~u d6ng/nguai/v\l)Tr9ng tiil (T) Cong sulit (CV)

Muc 300.000.000 Muc 500.000.000 Muc 1.000.000.000il61l1T/vu il6n!!lvu il6n!!lvl,l

Den 50 ", 1.350.000 ' ; ,

Tren 50 - 100 . 2.160.000Tren 100 - 200 : 2.700.000Tren 200 - 300 Den 125 4.374.000Tren 300 - 400 Tren 125 -150 5.103.000Tren 400 - 500 Tren 150 - 175 5.832.000Tren 500 - 600 Tren 175 - 200 11.482.000Tren 600 - 700 Tren 200 "225 12.466.000Tren 700 - 800 Tren 225-250 13.450.000Tren 800 - 900 Tren 250 - 275 14.434.000

Tren 900 - 1.000 Tren 275 - 300 , 15.418.000Tren 1.000 - 1.100 Tren 300 - 325 16.074.000Tren J.l 00 - 1.200 Tien 325 - 350 16.731.000Tren 1.200 - 1.300 Tren 350 - 375 17.387.000Tren 1.300 - 1.400 Tren 375 - 400 18.043.000Tren 1.400 - 1.500 Tren 400 - 425 18.699.000Tren 1.500 - 1.600 Tren 425 - 450 19.355.000Tren 1.600 - 1.700 Tren 450 - 475 20.011.000Tren 1.700 - 1.800 Tren 475 - 500 20.667.000Tren 1.800 - 1.900 Tren 500 - 525 21.323.000Tren 1.900 - 2.000 Tren 525 - 550 21.980.000

Til' tren 2000 tin ho~c tren 550 cv:Muc 1 ty: Phuong ti~n tv Moo:

Phuong ti~n keo:21.980.000 d + 328.000d (trQng tM - 2000)/10021.980.000 d + 328.000d (cong swlt - 550)/25

22

Phi bao hiSm 03 th{mg:Phi bao hiSm 06 thang:

"

.'

I 'B. PhuO'r.\gti~~ chuyen chiYkhong tl}'hanh: Phi blio hi~m bing 30% phi

,bao hi~map dl}ng cho phuO'ng ti~n tv hanh clmg trl}ng tai . ." ..'r

n. Phi bao hi~m TNDS cM phuo'ng ti~n chiYkhlich d8i vOi Mnh khach...."

Muc tnich nhi~m: 30 tri~u d6ng/hanh khach/v\l ",Phi bao hiSm: + Phuang ti~n cM khach t6c d(\ thuemg: 36.000 d/ghS . /'

+Phuang ti~n ch& khach t6c d(\ cao (t6c d(\ thiSt kS tir 30km/h tnJ len): 50.400 d/ghS,

III. Bi~u phi ng~n h:(ln..Phi bao hiSm 01 thang ho~c 01 chuySn (tinh'bfulg phi 1 thang): .

15% phi bao hiSm nam35% phi bao hiSm nlim60% phi bao hiSm nlim

IV. MlfC khAu trir (ap d\lng cho ca 2 IOf;lihinh bao hiSm):

1:)6ivai thi~t hf;livS nguai: 100,000 d/v\l

D6i vai thi~t hf;li khac: 2% s6 tiSn yeu Cllu b6i thuemg, t6i thiSu'l.OOO,OOOdlv\l

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23