nhOn: Nhu. Dieu 3;

HDQT, BKS;

Ban TGD;

Lam: VT, XCG.

PHO TONG GIAM DOC PHU TRACH

Le Nhu' Hai

TONG CONG TY CO PHAN., UAN DOI

MIC CONG HOA XA* HOI CHU NGHTA VIVI' NAM

BAG m[gRt QuAm DO lap - Tv do - Hanh phtic

So:. C2.5../2015/QD-MIC

Ha NJ, ngay23 thong 4 nom 2015

QUYET DINH

V'e vi'e'c ban hanh Quy tat boo hiem xe o to

cua TOng cong ty Co phan Bao hiem Quan

PHO TONG GIAM DOC PHU TRACH

TONG CONG TY CO PHAN BAO HIEM QUAN DOI

Can cir Gidy 014 thanh lap va hog dOng s6 43GP/KDBH ngay 08/10/2007 dm BO Tai chinh va cac Giay phep diet' chinh cua BO Tai chinh;

Can dr Di81118 to chirc va hoat Ong dm Tang cong ty Co phAn Bao hiem Quan doi (MIC);

Theo de nghi cua Giam doc Khoi nghie'p vu,

QUYET DINH:

Dieu 1: Ban hanh kern then Quy8t dinh nay "Quy tac boo hi8m xe o to" dm Tang cong ty CO phan Bao hi8m Quan dOi.

Dieu 2: Quyet dinh nay c6 hi8u lgc 1(8 tix ngay 01/5/2015 va thay the Quy8t dinh so 222/2013/QD-MIC ngay 22/2/2013 dm Pho Tang giam dot phu troth ve vie'c ban hanh Quy tac boo hi8m xe O to.

Dieu 3: Ban Tang gidm dac, Giam dac cac Ban thuOc HOi s6 Tang cong ty, Gi am dac cac dun vi thanh vi8n, cac ca nhan va to chi'rc co lien quan chiu trach nh*n I i h hanh Quyet dinh nay./.

T6 g cong ty Co phin Sao kiihn Quin dclii Dia chi: Tang 15, Dia nha MIPEC, s6 229 Tay Son, D6ng Da, Ha Nc)i * Dien thoai: (84-4) 6285 3388 * Fax: (84-4) 6285 3366

Email: info@mic.vn * Website: www.mic.vn

BAO ll QUAN

QUY TAC

BAO HIEM XE OTC)

(Ban hanh theo Quyit dinh so .6.0312015/QD-MIC, ngay thong .1.. nam 2015 etia Tang cong ty Co phan Bao hiem Qudn c1.60

Tren ca se( Ben mua bao hiem (sau day goi tat la xe) yeu cau bao va da thanh toan day va dung han phi bao hiem, Tong cong ty Co phan Bao hiem Quan d0i (goi tat la MIC) nhan bao hiem cac loci hinh bao hiem xe 0 to theo cac dieu kien, dieu khoan quy dinh trong Quy tac nay.

Chiron I

QUY DINH CHUNG

Dieu 1. Hop cfong bao hiem

Hop d6ng bac, hiem xe 0 to là su thod thuan giira xe va MIC, theo do Chu xe phai dOng phi bao hiem, MIC phai boi thu&ng cho xe khi xay ra su kien bac, hiem.

Hap d6ng bao hiem phai duac lap thanh van ban. Giay yeu cau bao hi6m co chit xe la mot trong nhfing 130 phan khong tach ,r6i ciia‘hop dong,bao hiem.

Giay chirng nhan bao hiem la bang chirng viec giao ket hop &Ong M.° hiem.

MIC chi cap Giay chirng nhan bao hiem khi Chu xe da dOng du phi bao hiem (trd truong hop co thoa thuan khac bang van ban).

Dieu 2. Hi0 luc bao hiem

I., Hieu luc ban hiem bat du va let thus dugc ghi tren Hop long bao hiem/Giay chirng nhan bao hiem.

2. True:mg hap chuyen quyen ser hcru xe clugc bao hiem, hop d6ng bao hiem mac nhien co hieu luc doi vai Chu xe mai trd truong hap Chu xe cu yeu cau cham dirt hop &rig bao hiem.

Dieu 3. ChAm dirt hop diing bac, hiem

1. True.ng hop chi xe ,ca gied khong dong bao theo thed han th6a thuan, trong hap &rig bao hiem thi hop dong bao hiem tu Ong chasm dirt hieu luc khi het then han thanh toan phi bao hiem.

Trong thai han 5 ngay lam viec 1(.6 tir ngay, hop dong bao hiem cham dirt hieu MIC hoan lai cho xe phan phi bao hiem, da dong thda (neu co) hoac yeu

cau xe dong du phi bao hiem den thai diem cham dirt hap (long bao hiem. MIC khong phai hoan phi bao hiem trong truemg hap da xay ra su kien bao hiem va MIC da boi thuthig/tra tien bao hiem.

2. Dan phuang cham dirt thuc hien hap d6ng bao hiem

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Trong thOi han bao ,hiam, mOt trong hai ben c6 quyen don phuong chdm dirt thuc hien hop gong bao hiem theo quy dinh phap luat bang each thong bao bang van ban cho ben kia.

, , Twang hop xe chain dirt hop ding bao hiem truerc han phai thong bao bang van ban cho MIC. Trong thoi han 05 ngay lam viec ngay nhan dugc thong bao bang van ban dm Chu xe, MIC phai hoan 14i cho Chu xe 70% phi bao hiem Wang

thoi gian cOn tai dm hop ding bao hiem. MIC khong phai hoan phi bao hiem trong truOng hop da xay ra sir kien bao hiem.

Trutmg hop MIC don phuong cham dirt thvc hien hop dong bao hiem, trong thoi han 15 ngay lam viec ke tir ngay MIC th6ng bao bang van ban cho Chu xe, MIC phai hoan lai phi bao hiem cho Chu xe Wang irng voi thOi gian cOn lai ciia hop ding bao - hi em.

Di&I 4. Trach nhiOm cita Chu xe, nguiri dieu khien xe

s 1. Khi yeu cau bao hiem, Chu xe hoac ngutri xe phai ke khai day du, trung thvc nhang nOi dung trong Giay yeu cau bao hiem.

2. Tao diau,kien thuan lgi de' MIC xem xet tinh tang xe truarc lchi cap Giay .chirng nhan bao hiem.

3. Truerng hop thay dui mire dO red ro dirge bao hiem dan den nhang yeu to lam thay doi co so tinh phi bao hiem, Chu xe phai thong bao cho MIC trong yang 15 ngay ke tir ngay co sir thay doi do.

3.1. Khi co sir thay dui nhang yeu to lam co sex de tinh phi bao hiem, clan clan giam cac rui ro dugc bao hiem thi Chu xe co quyen yeu eau MIC giam phi bao hiem cho tiled gian con lai ciia hop dOng bao hiem. Trong \Tong 05 ngay ke tin ngay nhan dugc van ban yeu cau giam phi cua. Chit xe, MIC phai c6 ding van tra loi Chu xe ve viec chap thuan hoac kh6ng chap thua.n viec giam phi va thoi han hoan tra phi bao hiem dugc giam.

Trong tnrOng hop MIC kh6ng chip nhan giam phi bao hiem thi Chu xe co quyen don phuong cham dirt hop (long bao hiem theo quy dinh tai Khoan 2 Dieu 3 dm Quy tac nay.

3.2. Khi c6 sir thay dui nhang yeu to lam co SO de tinh phi bao hiem, clan clan tang cac rui ro dirge bao hiem thi MIC c6 quyen tinh 14i phi bao hiem cho thoi gian con lai dm hop (long bao,hiem. Trong twang hop Chia xe kh6ng chap nhan tang phi bao hiem thi MIC quyen don phuong cham dirt hop &rig bao hiem theo quy dinh tai Khoan 2 Dieu 3 ciia Quy tac nay.

4. Tuan thu cac quy dinh ve dam bao an town giao thong duOng b6.

5: Khi xay ra ton that, Chu xe/ngirtri diau khian xe phai co trach nhiam:

, 5.1. Th6ng bao ngay cho MIC de ph6i hop giai quyat, tich circ ciru han the thiet hai ve ngtroi va tai san, bao ve hien trung ton that; clung thoi thong bao cho co quan C6ng an hoac chinh quyen dia phuong not gan nhat (trir tnrong hop bat kha khang);

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, 5.2. Khong ducyc di chuyen, thao gg hoac sira chua tai san khi chua có kien chap thuan cua MIC; trex tnrerng hap can thiet de dam bao an town, de phong han che thiet hai ye ngtraei va tai san hoac phai thi hanh theo yeu cau dia co quan co tham quyen.

5.3. Trong thai han 05 ngay Ice tir ngay xay ra ton that (trir truang hgp bat kha khang), Chu xe phai th6ng bao ton that bang van ban cho MIC.

6. Chu xe phai trung thgc trong viec thu thap, cung cap cac thong tin, tai lieu, chimg ter trong ho sa boi thuong va tao dieu kien thuan lgi cho MIC trong qua trinh xac minh tinh than that cua cac thong tin, tai lieu, chimg tir de).

7. Tnreyng hop ton that xay ra co lien quan den track nhiem Nguoi tit* ba, Chu xe phai thuc hien dimg theo cac hugng clan cua MIC de bao luu quyen khieu n4i va chuyen quyen doi b6i thugng cho MIC kern theo town be) ho sa, cac can cu, tai lieu can thiet va hop tac chat the voi MIC de cigi 14i ngtrgi thir ba trong pham vi so tien da hoac se dugc MIC boi thugng.

8. Deii cac thiet hai an den phai thay the va dugc MIC chap thuan boi thuong, Chti xeingtrgi dieu khien xe sau khi that hien xong cong viec thay the phai có trach nhiem ban giao tai san bi thay the cho MIC.

9. Khi xe bi mat trOm, mat cuap town be), Chu xe phai thong bao ngay cho ca quan cong an va MIC dugc biet de xfr lyr va that hien cac cong viec theo twang dan cua ca quan cong an va MIC.

Dieu 5. Trach nhiem cua MIC ,1. Giai thich cho Chit xe/ngtrgi dieu khien xe ve tac, dieu khoan, bieu phi

bao hiem; quyen lgi va trach nhiem cua Chit xe/ngtroi dieu khien xe khi tham gia bao hiem.

2. Tra tien boi thuong bao hiem trong yang 15 ngay lam viec lce tir khi nhan dugc ho sa yeu cau boi ,thtrerng day du, hop le; khOng qua 30 ngay lam viec trong trugng hop MIC phai tien hanh xac minh ho so.. Trong trugng hop MIC khong du tham quyen de xac minh cac yeu trong ho sa thi h6 so. boi thugng dugc coi la day du va hop le sau khi co ket luau chinh thirc oh ca quan chirc nang co tham quyen. Sau 90 ngay ke ter ngay MIC co van ban de nghi ca quan chirc nang có tham quyen lien hanh xac minh ma chua co ket qua xac minh thi MIC phai chit Ong tien hanh xac minh, xem xet giai quyet boi thugng.

3. Trueyng hop ter ch6i bed thuong, MIC phai giai thich bang van ban lyT do tir ch& boi thuong trong thgi han 15 ngay ke tir ngay MIC nhan dugc day du ho sa boi thugng hop le.

4., Ph& hop chat the xe/ngugi dieu khien xe va ca quan chirc nang de giai quyet ton that.

5. DOi voi nhang vu ton that, nghiem trong hoac dac biet nghiem trong, khi co yeu cAti dm Chit xeingtroi dieu khien xe, MIC se ph6i hop giai quyet ngay va khi da xac dinh track nhiem thuOc pham vi bao hiem co the tam frng ngay mot phan nhang chi phi can thiet nham khac phut hau qua ton that.

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6. MIC co trach nhiem huang clan xe/nguoi dieu khien xe thu thap tai lieu de lap ho so. boi thuang theo quy dinh tai Dieu 7 quy tac nay.

7. MIC co trach nhiem danh gia lai rui ro va dinh phi bao hiem trong, \Tang 5 ngdy lam viec ke tir,ngay nhan throe thong bao thay doi cac yeu to lien quan den rdi ro cua xe duoc bao hiem va có track nhiem hoan phi hoac thu them phi theo tS/ le tuang ung vai thei Ilan con lai cilia hop clung bao hiem.

dinh cac ton that ve tai sari voi sp có mat dm Chi' xe/nguei dieu khien xe, cac ben co lien quan hoac nguari dai dien hop phap cua cac ben co lien quan nham xac dinh nguyen nhan va mire de ton that. Ket qua giam dinh phai lap thanh van ban có chi? k cua cac ben lien quan. MIC chiu trach nhiem ye chi phi giam dinh.

2. Truong hop Chit xe/nguoi dieu khien xe kh6ng thong nhat ve nguyen nhan va mirc do thiet hai do MIC xac dinh, hai ben thoa thuan chon co quan giam dinh dec lap tinxc hien viec giam dinh. Trong truong hop cac ben kh6ng thaa thuan duqc viec trung cau giam dinh dee lap thi met trong cac ben &roc quyen khOi kien tai Toa an nai )(ay ra ton that hoac not cu trit cua Chit xe/nguai dieu khien xe de chi dinh giam dinh dee, lap. Ket luan bang van ban dm giam dinh dee lap có gia tri bat buec doi voi cac ben.

3. Truong hop ket luan cua giam dinh dec lap khac ket luan giam dinh cua MIC, MIC phai tra chi phi giam dinh dec lap. Throng hop ket luan cua giam dinh do, c lap trimg ket luan giam dinh cua MIC, Chu xe/nguai dieu khien xe phai tra chi phi giam dinh dee lap.

4. Trong tnrong hop dac biet, MIC khong the thgc hien duvc viec giam dinh thi MIC c6 trach nhiem huang dan Chu xe/nguoi dieu khien xe thu thap day du thong tin chi tiet ve nguyen nhan, dien bien, mire de thiet hai cimg cac chirng dr, anh chug thiet hai va tai lieu lien quan de lam can cu xac dinh b6i thuang.

Dieu 7. HO so' boi thuirng

DOi voi tong vu viec cu the thi H6 so b6i thuang bao g6m met hoac nhieu loci tai lieu sau:

1. Tai lieu do Chil xe cung cap:

1.1. Th6ng bao ton that va yeu cau b6i thuang cua Chu xe (theo mau cua MIC).

1.2. Tai lieu lien quan den xe, nguei dieu khien xe (ban sao c6 xac nhan cua co quan co tham quyen hoac ban photocopy có xac nhan cua nhan vien MIC sau khi da doi chieu voi ban chinh) nhu sau:

a) Giay chirng,nhan bao hiem va/hoac Hop d6ng bao hiem va cac them thuan khac bang van ban (neu co);

b) Giay dang 14 xe, Giay phep lai xe hop le cua nguad dieu khien xe bi ton that;

c) Cac giay to lien quan den mua ban, chuyen nhuong, cho, tang, uS, quyen sir dpng xe (neu co);

Dieu 6. Giam dinh don thAt

1. Khi xay ra ton that, MIC hoac ngtrai &roc MIC uy quyen se tin hanh giam

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Folic BAO HIEN' QUAN DOI

d) GiAy chirng nhan kiem dinh an toan ky thuat va bao ve mai truong phuang tien giao thong ca gigi dugng b6 hop le (trir truong hop xe luu hanh tam thei co van ban chap thuan cita ca quan co tham quyen hoc hog d6ng trong thoi gian thuc hien thu tuc clang k5r, kiesm dinh lan d'au tien tai Viet Nam).

1.3. Tai lieu chUng minh thiet hai ve tai san, bao

a) Floa don, chirng tir hap 16 v6 viec sira chaa, thay mgi tai san bi thiet hai;

b) Cac giAy to chdng minh chi phi can thi6t va h9p Vi ma Chit xe da- chi ra de giam thieu ton that hay de thuc hien theo chi dan cua MIC.

1.4. Tai lieu chUng minh thiet hai v6 hang hod, bao ChtTing tir xac dinh ngu6n goc, gia tri hang hod nhu: Hop Tong van chuyen, Phieu xuat lcho, Phieu nhap kho; Hod don mua ban hang hod; Bien ban gidm dinh thiet hai; Hod dun thanh kern theo ban ke chi tiet hang hod va cdc chirng tir lien quan khdc.

1.5. Cdc chirng tir xac dinh thiet hai ve nguai, bao Giay tir y t6 xac dinh tinh trong thuang tich nan nhan nhu: H6 so benh an; Giay chirng thuang; Giay chdng nhan phau thug; Giay ra vien; Giay chirng tir (truong hop chet); Bien lai thu tien

1.6. Bien ban thoa thuan/hoa giai (trong truong hop hoa gig).

1.7. Ban an hoac Quyit dinh co hieu luc cua Ma an (n6u co).

1.8. Cac tai lieu can thi6t de chuy6n quy6n cho MIC doi bOi thugng tir ben gay thiet hai cho xe dugc bao hiem ma Chti xe da dirge MIC giai quyet boi thugng thiet hai nay (trong truong hop d6i ngugi tit* ba).

2. Tai lieu do MIC phi hop vai Chit xe a thu thap:

2.1. Ban sao c6 xac nhan cila co quan cong an trong truong hop tai nan co sir tham gia giai quy6t dm co quan cong an, bao

a) Bien ban Icham nghiem hien throng vu tai nan (n6u c6);

b) So de) hien truong tai nan, ban anh (n6u c6);

c) Bien ban kham nghiem phuang tien lien quan den tai nan (n6u co);

d) Thong bdo so b6 k6t qua di6u tra ban dA.0 vu tai nan (n6u c6);

d) Bien ban gig quy6t tai nan (n6u co); Ban ke't Juan diL tra tai nan (n6u c6);

e) Bien ban thoa thuan/hoa giai (trong truong hap hoa giai).

2.2. Cdc tai lieu lien quan d6n trach nhiem cua ngtrai thir ba (n6u co);

2.3. Bien ban giam dinh thiet hg &roc cdc ben thong nhAt.

3. Cac tai lieu khdc c6 lien quan (n6u co).

4. Trugng h9p xe bi mg tr6m, mat cugp town b6:

- Don trinh bdo mat tr6m, mat cuap voi co quan cong an c6 xac nhan cila co quan cong an;

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- Quyet dinh khoi to va dieu tra hinh sir (neu co) lien quan den mat tr6m, mat mop o to dirge bao hiem;

- Quyet dinh dinh chi dial tra, dinh chi lchoi to vu an hinh su lien quan den mat from, mat mop o to duge bao hiem;

- Khai bao bi mAt gidy to, tai lieu lien quan den xe bi mat tr6m, mAt cud') khi de nen xe có xac nhan cua ca quan cong an.

Dieu 8. Ban hiem trimg

Bao hiem tri9 la trueng hop ding met dei Wong bao hiem duoc bao hiem ciing pham vi bao hiem theo nhieu Giay chirng nhan bao hiem/hop Bong bao hiem khac nhau. Tong so tien boi thuong cua cac Giay chirng nhan bao hiem/ hop dong bao hiem khong vuot qua tang so tien thiet hai time to cua xe ca giai. Viec giai quyet b6i thuong thuc hien theo nguyen tac sau:

1. D6i v6i nhang dieu kien bao hiem trimg cua cac hop d6ng bao hiem/Gidy chimg nhan bao hiem: MIC chi chiu trach nhiem thuong theo ty le giva so tien bao hiem thea thuan tren tong so tien bao hiem dm tat ca cac hop (long ma Chia xe/ngueyi dieu khien xe da tham gia bao hiem.

2. D6i vai nhang dieu kien bao hiem khong treng nhau cua cac Gidy chirng nhan bao hiem/hop dong bao hiem, MIC chiu trach nhiem boi thuong theo timg hop dong bao hiem da" lcy ket.

Dieu 9. Thai h#n yen cAu boi thuimg, khieu nai va thei hicu khoi kien

1. Thai han yeu cAu,b6i. thuong la 01 nam tir ngay xay ra kien bao hiem. Thei gian xay ra say kien bat kha khang hoac tra ngai khach quan khac khong tinh vao thei han yeu eau tra tien bao hiem hoac boi thuong.

2. Th6i han khi6u nai ve quyet dinh b6i thuong cua MIC la 90 ngay ke to ngay Chu xe nhan dugc thong bao boi thuong cua MIC. Qua thai han neu tren, MIC se khong giai quyet khi'eu nai.

3. Thai hieu khoi kien ve hop d6ng bao hiem la 03 nam ke tir th6i diem phat sinh tranh chap tir hop &fang bao hiem.

4., Moi tranh chdp phat sinh tir hop dong bao hiem, neu MIC va xe khong giai quyet dirge bang thuong luting se duoc dna ra Tea an tai Viet Nam giai quyet.

Chuang II

BAO HIEM VAT CHAT XE

Dieu 10. Pham vi ban hien

1. MIC chiu trach nhiem b6i thuong cho Chia'..xe nhang thiet hai vat chdt do thien tai, tai non bat ng6, kh8ng luting dirge trong nhang trueng hop sau:

1.1. Dam, va (bao g8m ca va cham vai vat the khac ngoai xe ca giai), lat, d6, chim, rai toan 1)8 xe, bi the vat the khac roi vao;

1.2. I-16a hoan, chay, n6;

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1.3. Nhung tai hoa bat kha khong do thien nhien;

1.4. Mat toan b6 xe do tram, cuOp.

2. Ngoai s6 den b6i throng, MIC, con hoan tra cho Chia xe nhang chi phi can thiet va hop theo thoa thuan tai Hop dong bao hiem de thirc hien cac cong viec theo yeu cau va chi clan cUa MIC khi xay ra ton that (thu6c pham vi bao hiem), bao gam cac chi phi:

2.1. Chi phi ngan ngira han the ton that phat sinh them;

2.2. Chi phi dm h6 va van chuyen xe bi thiet hg tai nai sira chira gdn nhdt.

Dieu 11. Loai trir bao hiem

MIC khong chiu tranh nhiem b6i thuang bao hiem trong cac truang hop sau:

1. Hanh d6ng coy gay, thiet hg Chu xe, ngu6i dieu khien xe va nhang nglayi co quyen lai lien quan den s6 hut, khai thac va sir dung xe;

, 2. Tai th6i diem xe tham gia giao thong xay ra ton that, thiet xe khong c6 Giay chirng nhan kiem dinh an toan ky thuat va bao ve mai truong pinrang tien giao thong ca giai dung b6 hop le theo quy dinh cua phap luat hien hanh;

3. Ngu6i di&'u khien xe khong c6 Giay phep lai xe hoac Gidy phep lai xe khong phu hop,doi vai loci xe ca gioi bat buOc phai c6 Giay phep lai xe. Truang hop nguai dieu khien xe bi tu6c quyen sir dung Giay phep lai xe c6 tiled han hoac khong th6i han thi throe coi la khong co Giay phep lai xe;

4. Ngu6i dieu khien xe trong tinh tang c6 ritmg d6 con trong mau hoac khi th6, sir dung ma try va chat kich thich bi cam theo quy dinh cua phap luat;

, 5. Xe di vao &rang cam, khu vue cam, duang ngugc chieu, re, quay ddu,tai nai bi cam, -mot den do hoac khong chap hanh theo hieu lenh ngu6i dieu khien giao thong, xe di dem khong CO thiet bi chieu sang theo quy dinh;

6. Dua xe (hop phap hoac trai phdp); xe dugc bao hiem dung a keo xe khac khong tuan thu quy dinh cua pith') luat;

7. Xe chOr hang trai phep theo quy dinh cua phap luat;

8. T6n that xay ra ngoai lanh th6 mr6c CHXHCN Viet Nam (tit khi co thoa thuan khac);

9. T6n thdt xay ra trong nhung tru6ng hop: Chien tranh, khimg b6;

10. T6n that do hao man to nhien hoac do ban chit von c6 cua tai san, giam gia tri thuang mai, hong sira hoc do khuyet tat hoac hong hoc them do chira, trong qua trinh sira chita (bao ,

chay thin);

11. T6n that ciia d6ng ca khi xe hog dOng trong khu vkrc bi ngap nuac(trir khi co thoa thuan khac);

12. T6n that d6i v6i sam 16p, bat thimg xe, nhan mac trir tnr6ng hop ton that xay ra do cong mot nguyen nhan va (long thai voi cac b6 phan khac cim xe trong ding mot vu tai nan;

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13. MAt b6 phan cua xe do bi trOm hoac bi cuop (trir khi co th6a thuan khac); 14. Mat toan b6 xe trong truong hop lira ciao hoac lam dung tin nhiam chiam

doat xe (xe cho thue hoac xe cho muon hoac siet no hoac tranh chap), trir khi c45 thoa thuan khac;

15. Thiat hai xay ra d6i vai may m6c, dung cu din hay cac b6 phan cua thiet bi din do chay qua tai, qua ap luc, doan mach, to dot nong, h6 quang din hay ro din do bat kST nguyen nhan nao (ke ca. set);

16., Xe ch6 qua tai, qua s6 luting ngu6i quy dinh 50% to. len theo giay chirng nhan kiem dinh;

17. T6n that va cac thiet bi chuyen dung ten xe ca giai va ton that va xe ca gioi do hoat dOng (trong moi truong hop) dm cac thiet bi chuyen dung cua chinh xe ca giai gay ra (trir khi c6 thoa thuan khac);

18. Ton that cac thiet bi lap them ten xe nsodi cac thiet bi cua nha san xuat da lap rap (khong bao g6m,cac thiet bi mang tinh chat bao va cho xe: he thong bao dOng, can tru6c, can sau) va ton that ye xe ca gied do cac thiet bi lap them ten xe ngoai cac thiet bi cua nha san xuat da lap rap gay ra (trir khi c6 thOa thuan khac).

DiCu 12. SO tin bao hiem va gia tri bit° hitm (gia thi trtrimg) 1. S6 tin bao hiem là so tin ma Chil ,xe yeu cau MIC bao hiem cho xe cua

minh va dirge ghi tren Giay chirng bao hiem/Hop dong bao hiem. 2. Chit xe có the thoa thuan tham gia bao hiem bang hoac thap han gia tri thi

truong cua xe.

3. MIC xac dinh gia tri cua xe tham gia bao hiem theo ca s6 du lieu gia tri xe cua Hip h6i Bao hiem Viet Nam cong bo. Neu ca so du lieu gia tri xe cua Hip h6i Bao hiem Viet Nam khong co gia tri xe cho loai xe co yeu cau bao hiem thi xac dinh nhu sau:

3.1. DOi vai xe mai (100%), gia tri cua xe la gia ban xe do cac hang san xuat trong nu& cong 1)6 tai thi triaing Viet Nam, hoac gia xe nhap khau da bao gom tat ea cac loai thue theo quy dinh cua Nha nuac.

3.2. D6i vai,xe to da qua sir dung, gia tri xe la gia xe,rnai (100%) nhan (x) tS, (%) toi thiu chat luting con lai xe. Doi xe nhap khau da qua sir dung, gia tri cua xe la gia xe mai (100%) nhan (x) vai tST le (%) chat Wong con lai duoc xac dinh trong to khai hai quan nhap khau.

a) Ty la (%) t6i thiau chat luong con lai cua xe tham gia bao hiem duoc xac dinh nhu sau:

- Th6i gian da sir dung tir 01 nam troy xuting: 100%;

- Thai gian da sir dung tir tren 01 nam den clued 03 nam: 85%;

- Thai gian da sir dung tir 03 nam den duoi 06 nam: 70%;

- Thoi gian da sir dung tir 6 nam den dad 10 nam: 55%;

- Thai gian da sir dung tir 10 nam tra len: 40%.

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b) Thai gian (la sir dung cua xe dugc tinh nhu sau:

Tir num dung ky lin dau den num tham gia bao hi4rn (d6i xe san xudt tai Via Nam) hoac so nate tinh theo num san xuat doi vai xe nhap khau da qua sir dpng.

Dikt 13. I16i thtrimg

1. B6i thuing ton thdt 1)0 phan

, 1.1. MIC chiu trach nhi4m thanh toan chi phi thvc t6 hop 1S7 a sira china, thay the (truing hop kh6ng the sira chtta dugc) b0 phan hoac tra bang tien cho Chit xe de bit dap ton that thuOc pham vi bao hiem ten ca sir xac dinh dugc chi phi hop lY de sira chira, khac phut ton that có the phai tra sau khi ap dung mire khan trir (neu co).

1.2. Cach xac dinh s6 tien b6i thuing:

a) Truing hop xe dugc bao hi6m duii s6 tien b6i thuing se dirge tinh theo t-ST 14 gifra so tien bao hiem va gia tri thvc to cua xe tai thin diem thane gia bac) hiem;

b) Truing hop xe dugc bao hiem bang hoac tren gia tri, s6 tien b6i thuing bang chi phi hop 1)"7 de phut hoi, sira chi-1u xe bi ton that. Cach xac clink chi phi hop ly cho b0 ,phan lux hong phai thay the mai ap dung theo quy dinh tai Diem 1.2.c, Khoan 1, Dieu 13 dm Quy tic nay.

c) Truing hgp hop dOng bao hi4m khong quy dinh xe dugc bao hi4m theo Di4u khoan 136 sung thay the mai, MIC se xac dinh chi phi hop VT de thay the mai 13.0 phan lux hong bang chi phi thay the thvc to trir di so tien khau,hao tinh theo ty khau hao theo tST khau hao dugc quy dinh tai Phu luc 1 Quy tic nay.

1.3. MIC b6i thuing chi phi san lai toan 130 xe neu teen 50% din tich san ctia xe bi hu hong do ton that.

2. B6i thuing ton thdt toan b0

2.1. MIC b6i thuing eon that toan 1)0 trong truing hap xe bi thia hai ten 75% gia tri thvc te; hoac chi phi sira chira thia hai bang hoac tren 75% gia tri thvc to cua xe tai then diem truic khi xay ra ton that.

2.2. MIC CO trach nhi4m 136i thuing ton that toan 130 xe bi mat tem, mat ctrOp khi co ket luau cua ca quan cong an dinh chi diet' tra hoac dinh chi khii to hinh sir lien quan den mat teem, mat cud') cua chinh chiec xe dO.

2.3. S6 tien b6i thuing t6n that toan b0 bang gia thvc t6 xe truac khi xay ra ton that ding chUng loai va thong so ky thuat, va kh6ng vuot qua so tien ghi tren Giay chirng nhan bao hiem hoac Hop dong bao hiem.

3. Thu 116i tai san sau b6i thuing

Khi MIC da b6i timing t6n thdt b0 phan hoac toan b0 xe thi b0 phan hu hong hoac toan 13.0 xe do thuOc quyen s& hiru cUa MIC, cu the:

3.1. D6i vii truing hopb6i thuing thay mai bet phan, MIC thu h6i 130 phan hu hong da dugc tra tien b6i thuing thay mai (k4 ca truing hop trir khdu hao).

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3.2. EY& vai trong hop Wei thu6ng ten that toan be, sau khi MIC da boi thutrng Wan be xe thi toan be gia tri thu hoi chiec xe bi ton that thuec so hint cua MIC. Trutrng hop tham gia bao hiem dui gia tri thi MIC thu h6i phan gia tri tuong &rang theo tSi le tham gia bao hiem. TruOng hop Chu xe ca. yeu cau nhan 14i chiec xe ton that toan be, MIC se

that so lien boi thuong ton that toan be tuang duang gia thu

hoi chiec xe ton that theo dinh gia cua MIC.

3.3. Dei voi trtrong hop boi thuong xe bi mat tem, mat mop sau do tim dupe xe bi mat tem, mat cuOp thi MIC dupe quyen se. hau toan be chiec xe do.

Dieu 14. Mot khAu trir

1. Mdc khan trir là se; tien dugc an dinh ten Giay chirng nhan bao hiem va Hop dong bao hiem ma ngtroi dupe bao hiem phai to ganh chiu trong mei va moi vu ton that be phan cua xe tham gia bao hiem vat chat xe tai MIC.

, 2. Trir khi co thea thuan khac va duet ghi trong Gidy chirng nhan bao hiem/Hop dong bao hiem, MIC Ai) dung rnirc khau trir toi thieu la 500.000 (nom tram ngan) dong/vu doi v6i xe khong kinh doanh va 1.000.000 (met trieu) dong/vu doi v6i xe kinh doanh.

Dieu 15. Gram trir b6i thuirng

1. MIC thgc hien giam mire boi thuong theo tST Le trong met s6 truerng hgp sau

1.1. Giam 10% se. tien boi thutmg trong cac twang hop sau:

a) Chit xe khong giri Thong bao ten that (bang van ban) cho MIC trong thei han 05 ngdy ke tir ngay xay ra ton that (trir trutrng hop bat kha khang hoac da dupe MIC giam dinh thiet hai trong tiled gian nay);

b) Chu xe khong thus hien d'ay,dit cac bin phap ciru hp the thiet ve ngutri va tai san, bao ve hien tnreing ton that, khong thong bao ngay cho co quan tong an hoac chinh quyen dia phucmg nai gan nhat; khong th6ng bao ngay cho MIC;

c) Chu xe do tren dia hinh dee nhung khong sir dung he thong phanh, cher' banh de xe tlr troi gay ton that.

1.2. Gam 30% se tien boi thu6ng trong cac trueng hop sau:

a) Chu xe toy di chuyen, thao g6 hoac sira chita tai san khi chua coy kien chap thuan cua MIC (trir trong hop can thiet de dam bao an toan, de phong,h4n the thiet hai ye nguai va tai san hoac phai thi hanh theo yeu cau cda ca quan c6 tham quyen);

b) Chu xe vugt qua tee de cho phep (tir 20% den 50%).

1.3. Giam 50% den 100% se tien boi thuong trong cac trtreyng hop sau:

a) Chit xe khong bao luu quyen khieu nai va chuyen quyen doi ngtroi thin ba cho MIC kern theo toan be ho sa, the can dr tai lieu can thiet, khong hop tac chat the vai MIC de doi 14i ngutfi thir ba hoac to Ong tit& thuan boi thuong vai nguei thir ba gay thiet hai cho MIC;

day:

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b) Chu xe khong trung dive trong viec cung cap cac thong tin, tai lieu, chirng tit trong h6 so b6i thuong; khong tao di8u kien thuan loi cho MIC trong qua trinh xac minh tinh chan thuc cua cac thong tin, tai lieu, chirng tir do.

c) Chu xe vuot qua t6c d6 cho phep (teen 50%).

1.4. Giam s6 tien b6i thu6ng Wang irng vai ty le % chi qua trong tai, so nguari (tit teen 20% den 50%) theo quy dinh trong Gi6y chirng nhan clang kiem.

1.5. Giam s6 tin b6i thuong theo ty le giaa s6 phi thus n6p va s6 phi phai nOp theo quy dinh trong trung hop:

a) Chu xe Ice khai gidy yeu eau bao hi8m sai (thong dung muc dich sir dung dm xe) lam thu thieu phi bao hiem so vai quy dinh;

b) Chu xe khong thong bao cho MIC trong tnrerng hop c6 su gia tang mire d6 rui ro bao hie'm a 136 sung phi bao hiem (nhu chuy& d6i muc dich sir dung, hoan cai, nang cap lam tang gia xe).

2. Nguyen tdc giam trir s6 tien b6i thuong

Khi Chit xe bi giam trir s6 tin b6i thu6ng theo nhiL ty le khac nhau cho cac hanh vi vi pham khac nhau, MIC se lua chon ap dung duy nhat mot loci giam trir so tien boi thir6ng theo ty le cao nhat.

Chuang III

BAO HIEM TRACH NHIEM DAN SI/ CiJA CHU XE DOI V61 HANG HOA TREN XE

Dieu 16. Pham vi ban hiem

, 1. MIC nhan bao hi8m trach nhiem dan su Chu xe d6i v6i hang hoa van chuyen theo hop clung van chuyen gitia Chu xe va chir hang trong pham vi lanh th6 nude C6ng hoa xa h6i chi]. nglifa Viet Nam. Neu Chu xe co yeu cau bao hiem cho hang hod van chuyen ngoai lanh tho Viet Nam, Chil xe va MIC phai c6 thoa thuan rieng.

Trach nhiem dan su cua Chu xe d6i v6i hang hoa van chuye'n duoc hien la s6 lien Chu xe phai chiu trach nhiem boi thuong cho chli hang theo quy dinh dm B6 Luat dan su doi vai nhang thiet hai ve hang hoa van chuyen ten xe.

2. Ngoai ra, MIC can thanh toan cho Chu xe cac chi phi can thik, hop ly nham:

a) Ngan ngira, giam nhe ton that cho hang hod;

b) Bao quan, x8p dO, luu kho, luu MI hang hoa trong qua trinh van chuyen do hau qua cua tai nan;

c) Giam dinh ton that thu6c trach nhiem bao

3. Trong moi tnrarng hop, tong cac khoan 136i thuong va chi phi neu ten khong vuo:t qua mirc trach nhiem bao hiem ghi ten Giay chirng nhan bao hiem hoac Hop &mg bao hiem

Dieu 17. Loai trir ban hiem

MIC khong chiu trach nhiem b6i thuong bao hiem trong cac truarng hop sau:

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MIC BAD HIEM QUAN DOI

1. Hanh dOng coy gay, thiet hai Chu xe, ngugi dieu khien xe va nhang ngugi c6 quyen lgi lien quan den sa huu, khai thdc va sir dung xe.

, 2. Tai thgi diem xe tham gia giao thong xay ra ton thdt, thiet hai, xe kh6ng co Gidy chirng nhan kiem dinh an town ky thuat va bao ve mai trugng phuong tin giao thong co. giai throng be hop le theo quy dinh cua phdp luat hien hanh.

3. Ngugi dieu khien xe khong c6 Gidy phep Idi xe hoac Gidy phep lai xe khong phis hgp,doi vai loai xe ea gigi bat buoc phai c6 Giay phep ldi xe. Trugng hqp ngugi dieu khien xe bi ttrac quyen sir dung Giay phep ldi xe c6 thgi han hoac khOng theri han thi dugc coi la khong c6 Giay phep ldi xe.

4. Ngugi dieu khien xe trong tinh tang co n'6ng do con trong mdu hoac khi thO., sir dung ma tit)/ va chat kich thich bi cam theo quy dinh cua phap luat.

, 5. Xe di vao duang cam, khu vuc earn, dugng ngugc chieu, re, quay ddu,tai nai bi cam, vugt den do hoac khong chap hanh theo hieu lenh ngueyi dieu khien giao thong, xe di dem khong c6 thiet bi chieu sang theo quy dinh.

6. Dua xe (hap phdp hoac trdi phep); xe dugc bao hiem dimg de keo xe khdc khong tuan thu quy dinh cua phdp luat.

7. Xe eh& hang trai phep theo quy dinh cua phdp luat.

8. TOn thAt xay ra ngoai lanh the) nude CHXHCN Viet Nam (tar khi c6 thoa thuan khdc);

9. TOn thdt xay ra trong nhang trugng hqp: Chien tranh, khimg be);

10. Ldi xe, Chit xe, chti hang thieu trdch nhiem trong viec trong coi, bao quan hang hod.

11. Xe khong thich hop vai loai hang hod chuyen cha.

12. TOn thdt hang do su bat giEr cua ca quan chirc nang Nha nude.

13. Mdt trOm (trir twang hqp mat teem hang hod cimg vai mat trOm, bi coop toan bO xe).

14. Thiet hai dor vgis cdc tai san dac bit bao Vang bac, dd tien, cdc loai giay to. co gid tri nhu tien, do co, tranh anh qu)', hiem, thi hai, hai cot, sue vat, chat phOng xa khi c6 thoa thuan khdc).

, 15. Hang hod hu hOng tonhien, hu hOng do kern phdm chdt, do bao bi (icing goi, xep hang kh6ng dung quy each. Ton that hang hod do bi xo tech, va dap trong qud trinh van chuyen ma khong phai do xe dam va, lot do.

16. Giao hang cham tr& giao hang khong dung ngugi nhan.

17. Hang hoa hu hOng trong qua trinh xep da (trir khi co th6a thuan khdc).

18. Hang hoa thuec so him dm Chit xe, Idi xe (trfx khi c6 thoa thuan khdc)

19. Hang Ma chay khong do 181 cua ben van tai, sue vat song bi 6m, bi chet do tiled tie't hoac dich benh hoac kiern *h.

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20. Xe eh& qua tai, qua s6 luting ngtr6i quy dinh 30% tra len theo giAy chirng nhan kiem dinh;

Dieu 18. Mtic khAu trir

MIC ap dung mire khAu trir 0,5% mire trach nhiem bao hiem va t6i thieu 500.000 dong/vu, tuy so nao lan han.

Dieu 19. Gia tri hang hoi

Gia tri hang hod dugc,tinh tai th6i diem, dia diem truac khi dua hang len xe va khong vugt qua gia thgc to tren thi tru6ng tai th6i diem va nai dua hang len xe dO.

Dieu 20. Quyen d4i dien cho ngtroi dirge bao hiem

MIC co quyen thay mat Chit xe thtrong lugng voi ngued tit* ba ve mire d6 b6i thu ong thiet hai.

Dieu 21. Gram trir boi thtrimg

1. Ap dung giam trir tilt 10% den 20% s6 tien b6i thu6ng d6i vai cac truemg hop:

a) Chil xe, lai xe kh6ng khai bao tai non trong \Tong 05 ngay (trir truarng hop co ly do chinh dang),ke tit ngay xay ra tai non va/hoac khong thirc hien day dfi cac bin phap dru china nham han che ton that nha quy dinh tai Dieu 4 dm Quy tac nay;

b) Chit xe, lai xe to dOng thuang Luang b6i thu6ng khi chua coy COkien chAp thuan cua MIC.

2. Ap dung giam trir tit 50% den 100% se) tie-) b6i thu6ng d6i vai cac tru6ng hop Chu xe khong too dieu kien va khong thgc hien viec chuyen quyen doi ngu6i thin ba cho MIC.

Chuang IV

BAO HIEM TAI NAN LAI, PHI) XE VA NGUbI NGOI TREN XE

Dieu 22. Doi tuvng bao hiem

Lai xe, phu xe va nhcrng ngtroi khac dugc ch6 tren xe ca gigi (goi chung la red dugc bao hiem).

Dieu 23. Pham vi bao hiem

Thiet hai than the d6i vai ngued dugc bao hiem do tai non khi dang tren xe, len . xuong xe trong qua trinh xe dang tham gia giao thong trong lanh filo ntrOc C6ng

I xa h6i nghia Viet Nam. ho

Dieu 24. Loai trir bao hiem

MIC khong,chiu trach nhiem b6i thuong d6i vori nhang thiet hai ve than the dm ng x6i dugc bao hiem trong cac truong hop sau:

1. Hanh Ong coy tv gay tai non cua ngtroi dugc bao hiem.

2. Ngubi dugc bao hiem tham gia danh nhau, trir khi dugc xac nhan do la hanh d6 ag ve.

ng

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3. Nguari dieu khien xe khong c6 Giay phep lai xe hoc GiAy phdp lai xe khOng phn hop,doi vai loai xe co. gigi bat buOc phai c6 Giay phdp lai xe. Trueng hop nguari dieu khien xe bi Were quyen sir dung Giay phep lai xe co thad han hoc khong thai han thi dugc coi IA khong co Giay phep lai xe;

4. Nguad dieu khien xe trong tinh trang co n'ong dO con trong mau hoc khi sir dung ma nay va chat kich thich bi cam theo quy dinh cua phap lust;

5. Nguai dugc bao hiem bi cam d6t ng6t, trUng gio, benh tat.

6. Nguoi dugc bao hiem bi ng6 d6c thirc an dO u6ng va sir dung thuc khOng theo chi dan dm bac si.

7. Chien tranh, khiing b6 va cac rid ro tuang tu.

8. Tai nan xay ra ngoai lanh thO nude COng hos xa h6i chii nghia Viet Nam (trir khi c6 thod thu'an kirk).

Dieu 25. Phi bao hiem va so tien bao hiem

Phi bao hiem va so tien bao hiem dugc quy dinh tai bieu phi va s6 tien bao hiem ban hanh kern theo Quyet dinh so 228/2013/QD-MIC ngay 22 thang 2 nam 2013 cila TOng cong ty CO phan Bao hiem Quan d6i.

Dieu 26. Quyen lyi cua ngutri dityv bao hiem

1. Truang hop nguai dugc bao hiem bi chet do tai nan thu'Oc pham vi bao hiem, MIC tra toan b6 so tien bao hiem ghi teen Giay chUng nhan bao hiem.

, 2. Truang hop ngueri dugc bao hien' bi thuang tat than the, MIC tra tien bao hiem theo quy dinh sau:

, a) S6 tien bao hiem tir 50 trieu long tra xuOng: MIC tra tien bao hiem theo ty le phan tram dm so tien bao hiem neu trong "Bang ty le boi thugng thuang tat" ban hanh theo Quyet dinh,s6 540A/2013/QD-MIC ngay 15 thang 04 nam 2013 cda Tong cong ty CO phan Bao hiem Quan d6i.

b) S6 tien bao hiem teen 50 trieu ding:

- D6i nhung twang hop thuang tat tam Dugc thanh toan theo chi phi y to thuc te, hop lyva chi phi boi duong trong thi gian dieu tri thuang tat (t6i da khOng vugt qua 0,1% so tien bao hiem/ngay), nhung kh6ng vugt qua ty le tra tien bao hiem quy dinh cho tnrong hop thuong tat do tai "Bang ty le boi thuang thuang tat" ban hanh theo Quyet dinh,s6 540A/2013/QD-MIC ngay 15 thang 04 nam 2013 cna T6ng cong ty Co phan Bao hiem Quan d6i.

- Doi vii nhang tnraeng hop thuong tat vinh Ducyc tra tien bao hiem theo ty le phan tram dm so tien bao hiem quy dinh tai "Bang ty le boi thuang thuang tat" ban hanh theo Quyet dinh so 540A/2013/QD-MIC ngay 15 thang 04 nam 2013 ciia Tong cong ty Co phan Bao hiem Quan d6i.

3. Neu tai tho.i diem xay ra tai nan, so nguari thgc, (khong bao tre em dugi 7 tuoi) ion han so ngt_rei dugc bao hiem ghi tren Giay chirng nhan bao hiem thi mire tra tien bao hiem se giam theo ty le gifra so nguad dugc bao hiem voi so ngtrai thuc to ten xe.

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s 4. Tre em duei 07 -Wei duoc thanh town 50% so tien bao hiem theo nguyen tac tra tien bao hiem duoc quy dinh tai khoan 1 va khoan 2 Dieu nay.

Dieu 27. Tra tien bao hiem

Tien bao hiem duoc tra cho ngtrai duoc bac, hiem hoc nguai dai dien hop phap, ngirei thira Ice hop phap cua nguei dirge bao hiem.

Chuang V

BAO HIEM TU' NGUYEN TRACH NHIEM DAN SU' CUA CHU XE CO GIOI DOI Veil BEN THI BA

Dieu 28. Bao hiem to nguy0 trach nhiem din sly

MIC dp dung cac dieu khoan bao hiem bat buec trach nhiem dan SAX cua Chu xe theo quy dinh hien hanh cila B6 Tai chinh de thuc hien bao hiem nguyen theo inUc trach nhiem bao hiem va bieu phi bao hiem to nguyen caa MIC.

Trong pham vi trach nhiem bao hiem, ngodi mirc trach nhiem bao hiem bat bu6c, MIC CO trach nhiem thanh toan cho Chu xe so tien ma

, xe phai thueng

cho ben thir ba va hanh khach tren xe (cao han mire bat bu6c) do viec sir dung xe ca giai gay ra, nhung khong vuvt qua mdc trach nhiem to nguyen ma Chu xe da tham gia bao hiem.

Dieu 29. Quyen ban hiem

1. Thiet hai ye nguei:

a) Mire trach nhiem to nguyen tang them den 50 trieu S6 tien boi thueng tang them dirge tinh theo "Bang 0') le boi thwong thwang tat" ban hanh theo Quyet dinh se 540A/2013/QD-MIC ngdy 15 thang 04 nam 2013 dm Tong cong ty Co phan Bao hiem Quan dei.

b) Mire trach nhiem nguyen tang them tren 50 trieu deng: Phan tang them tren 50 trieu Tang duoc tinh ten co se, thiet hai thuc to hop 17 nhung kh6ng vuot qua hoa giai ho4c theo phan quyet dm Tea an khi thuc to Chu xe phai boi thueng theo 16i tren 120 trieu Tong.

2. Thiet hai ve tai san: Bei thueng tren ca so thiet hai time t6 va mUc de I6i cua Chia xe, lai xe.

3. Trueng hop Chit xe deng thei tham gia nhieushop deng bao hiem cho ding met xe thi so tien boi thueng chi duoc tinh theo hop dong bao hiem có hieu luc bao hiem trade.

/ONG LONG BAO HIEM QUAN DQI-

PHO TONG G1AM DOC PHU TRACH

Le Nhu° Hai

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M IC BAO HEM WAN DOI

PHU LUC 01

BANG Ti? LE KHAU HAO BO PHAN

(Dinh kern Quy tac bao hiem xe o to ban hanh theo Quyet dinh s 60./2015/QD-MIC, ngay thong ... 4. nam 2015 dux Tling tong ty CO; phiin Bao

hiem Qua'n clOi)

I. DM veri cac loai xe thong dung

1. Xe con gia tri tiz 85% tra len hoac xe sir dung duai 03 nam khong tinh khdu hao sir dung;

2. Xe con gia tri tir 70% an duai 85% hoac xe (la sir dung tir 03 nam d'L duai 06 nam tinh khau hao sir dung 15%;

3. Xe con gia tri teen 50% an duai 70% hoac xe da sir dung tir 06 nam den duai 10 nam tinh khau hao sir dung 25%;

4. Xe cid sir dung tir 10 nam an 15 nam tinh lchau hao sir dung 35 %;

5. Xe dal sir dung tren 15 nam tinh khau hao 50%.

II. DOi yea cac loai xe khac: DAtt keo, Taxi, xe cho thue tir lai, xe khach lien

tinh

Mirc tinh khau hao tat ca cac b6 phan la 150% so vai cac mire klidu,hao dm the loai xe thong dung tai mac I tren. Doi vai xe sir dung tir 1 nam den 3 nam ap dung khau hao 15%. Doi vai nhiing xe sir dung dirdi 1 nam khong tinh khau hao.

III. Quy dinh khfic

MOt so 1DO phan nhu: Sam 16p, ac quy, bat phii (thiing xe tai) hoac nhung b6 phan thay the theo dinh l(Sr nhu: Gioang, phai, loc gi6, loc dau, loc xang, vOng,bi phai tinh phan train gia tri cid sir dung t6i da kh6ng qua 50% (kh6ng ap dung doi vai diL khoan bao hi6m thay the mai).

Luu

- S6 nam de tinh khau hao dugc xac dinh k"e' tir nam san xuat cua xe.

- Truing hop phu tang thay th6 mai da,dugc thay th6 mot lan thi th6i gian tinh khau hao tinh tilt thoi diem thay the gan nhat den khi bi,ton that (Tuy nhien lan thay the trithc phai la thay the mai va co day chi:mg ter de chirng rninh viec thay the mOi nay).

- Tat ca cac xe khong mua di6u khoan bao hi6m b6 sung thay th6 mai hoac co nam sir dung ten 15 nam deu ap dung cac quy dinh tren.

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MIC BAO HIEM QUAN 01

PHU LUC 02

CAC DIEU MOAN BAO HIEM BO SUNG

(Dinh k-em Quy tac bao hiem xe 6 to ban hanh theo Quye't clinh so Ed./2015/QD-MIC, ngay thcing nam 2015 cita Tong tong ty Co phan Bao

hiem Quart (160

- Chu xe c6 quyan lga chon tham gia them mgt hay nhiau dieu khodn bao hiem 1)6 sung duct quy dinh trong Quy tac bao hiem. Dieu khoan bao hiem b6 sung phai tuan theo cac dieu khoan, dieu kien va cac diem loci trir quy dinh ciaa Quy tac bao hiem.

- Ngoai cac dieu kien rieng trong tirng dieu khoan bao hiem b6 sung, Chu xe khi tham gia dieu khoan bao hiem b6 sung phai dap dng cac dieu kien sau:

+ Chu xe phai dang tham gia bao hiem vat chit xe can tiled han bao hiem tai MIC;

+ Thdi han bao hiem b6 sung khong \arca qua thdi han bao hiem vat chit xe dang can hieu Igc.

Teen co so. Chu xe yeu ciu va da (long them phi bao hiem theo quy dinh, MIC nhan bao hiem b6 sung vao Giay chimg nhan bao hiem/Flop dong bao hiem cac dieu khoan bao hiem b6 sung rieng biet sau day:

1. BA° hiem vat chfit xe ngoai lanh th6 Viet Nam (ma s6 001)

a) Dieu kien tham gia bac) hiem:

Chu xe c6 Giiy phep do co quan co thim quyan cap d6i vdi xe co gidi tham gia bao hiem theo quy dinh cua phap luat giao thong throng b6.

b) Dieu kien trien khai bao hiem vat chL xe ngodi lanh th6 Viet Nam:

MIC co dai dien duoc fly quyen giam sat viec thirc hien hop d6ng bao hiem, cg the: thu thap ho so, tai lieu vg ton that; giam dinh hien trugng vg ton that hoac phoi hop voi co quan lien quan thirc

c) Quyan loi bao hiem:

MIC b6i thugng cac ton thit va xe trong pham vi lanh th6 cua qu6c gia xe co gidi Viet Nam &roc phdp tham gia giao thong.

d) Loai trg bao hiem:

mAt xe do bi trgm hoac cuafp tai cac qu6c gia tham gia bao hiem (ngoai lanh th6 Viet Nam).

2. BA° hiem xe bi mar t trOm, mop be? phi:m (ma s6 002)

a) Pham vi bao hiem:

Xe bi mat tr6m, cudp b6 phan.

b) Quyan lgi bac, hiem:

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BAO HIEM QUAN DOl

MIC chlu trach nhi'em thanh toan chi phi thuc te, hop ly a thay the b0 phan bi ton that hoac tra bang tien cho Chit xe de bu clap ton that thuc pham vi bao hiem ten co so xac dinh dugc chi phi khac phuc ton that c6 the phai tra.

- Giai han so Fan mat tram/cutup: 01 Mn cho mot Ix) phan dui vai cac hop ding bao hiem co thoi han sten 1 nam (bOi thuOng khong qua 2 1A.n/nam).

c) Mirc mien thuong tot thieu:

20% Mn that va t61. thieu 2.000.000 d0ng/vu, di)/ so nao lin han.

3. BA° hitm thue xe trong thZri gian sira chfra — Bao hiem gian coin sir dung xe (ma so 003)

a) Dieu kien xe tham gia bao hiem:

Xe 6 to cho' nguOi khong kinh doanh van tai duoi 7 chO' ng6i.

b) Quyen lgi bao hiem:

- MIC se thanh toan cho Chit' xe chi phi thue xe sir dung trong thoi gian sira chita do ton that thuOc pham vi trach nhiem bao hiem, khong tinh thoi gian xe bt ca quan chirc nang gift.

- Chi phi thue xe dugc thanh toan: Chi phi thue xe ding cong nang sir dung, Chung loci Wang to chiec xe dugc bao hiem cua Chu xe; MIC se thanh toan 80% chi phi thue xe thuc t6, khong qua 500.000 d4fing/ngay.

- ThOi gian thanh toan chi phi thue xe tot da khong qua: 30 ngdy/nam bao hiem.

c) Mirc khau trir:

Chi phi thue xe 4 ngay tinh tir ngay xay ra Mn that tinh ca thOi gian bi ca quan chute nang thu

4. Bao hi6m thay th6 moi (ma so 004)

a) Dieu kien xe tham gia bao hiem:

Xe c6 thoi gian sir dung duai 10 nam ke tir nam san xuat;

b) Quyen lqi bao hiem:

MIC se b6i thuOng cac 1)0 phan bi htr h6ng can phai thay the thuc pham vi bao hiem ma khOng trir phan hao men (khau hao) sir dung.

5. BA° hi6m lira chin co• so. sira chfra (ma s6 005)

Quyen loi bao hiem: MIC dingy chap nhan co so sira chaa (garage) ma Chit xe lua chin 0. alai diemk5r ket hop (tong bao hiem.

6. Bao hit'm Mn that clia dOng co. khi xe hoat Ong trong khu vwc bi nap nark (ma so 006)

a) Quyen lgi bao hiem:

MIC se tra tien boi thuong chi phi sira china, thay the nhang thiet hat thuc to dm ding co' do xe hog ding trong vutng dang bi ngap nu& hocnude lot vao ding co. gay ra hien Wong thily kich.

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MIC BAO HIEM WAN DOI

b) Mire khau trin

20% se tien bei thuang va tai thieu 3.000.000 deng/vu, thy thuec vao so nao lan hon.

7. Bao hiem vat chat xe hanh tarn Hari (ma s6 007)

a) Pham vi bao hi'dm: Ten that ve xe ca hru hanh trong thai gian to xuong san xuat, kho hai quan den nai giao nhan xe, hoac tin cang den nai giao nhan xe.

b) Dieu kien tham gia bao hiem:

Dieu khoan nay dp dung cho xe mo i xuat xuang va xe nhap khau:

- Xe mai xuat xemg phai c6 Phidu kiem tra chat luang xuat xuang;

- Xe nhap khau kho, cang phai có Chimg chi chat luang xe nhap khau va h6 sa hoan tat thir tuc hai quan;

c) Thai han bao hiem: Khong qua 15 ngay (trir khi co thoa thuan khac);

d) Loai trix bao hiem: Xe bi ten that do 18i ky thuat.

8. Ban hirn vat chat d6i voi xe mien thud, tam nhap, tai xuat (ma s6 008)

a) Dieu kien tham gia bao hidm:

- Xe tarn nhap vao Viet Nam sau do xuat sang nuoc ngoai.

- Xe mien thud.

- Xe cua ca quan ngoai giao.

b) Quyen lai bao hiem

- Truang hop xe bi tan that be phan: MIC bei thuang chi phi thuc t6 hop ly de sira chira, thay the (truang hap khong the sha china dirge) be phan hoac tra bang tien cho Chir xe de ba dap ton, that thuec pham vi bao hiem ten ca so. xe tham gia bac) hiem dung gia tri so tien bao hiem tuong duong xe ding loai da tinh cac loai thud.

- Truing hap xe bi ten that toan b'e, hay toan be uOc tinh: MIC b6i thuang cho Chit xe so tien bang gia tri tham gia bao hiem (gia chua tinh cac loai thud) cha chiec xe do tai thai diem xe bi thidt hai.

c) Dieu kien bei thuang: Xe phai &rote sira china trong pham vi lanh the Viet Nam.

9. Ban hiem xe tap lai (ma s6 009)

Tren ca se. cac dieu kien, dieu khodn, cac diem loai trix, cac dieu khoan be sung dinh kern (neu co) cua Quy,tac bao hiem xe va sau khi ngoai&rev bao hiem da dong met khoan phi bao hiem 1)6 sung, MIC, Tang y rang cho cac xe sir dung de tap lai cha cac trung tarn dao tao lai xe co giay phep hoat Ong, du dieu kien theo qui dinh cua phap luat.

Tuy nhien, MIC se khong b6i thuang cho cac trtrang hop sau:

- Hoc vien khong có the hoc vien;

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BAO HIEM QUAN DOI

- Xe tap lai cher ngugi, cho hang trai qui dinh, chay sai tuyen dugng, thoi gian quy Binh trong giay phep tap lai;

- Xe tap lai khong 136 tri gido vien thuc hanh ng6i ben canh ngugi tap lai; xe khong CO bien "Tap lai" theo qui dinh; xe tap ldi khong trang bi them 1)0 phan ham phu theo qui dinh.

10. Bao hitm sfra chira chinh hang (ma so 010)

Ditu kien tham gia: Xe tham gia bao hiem phai d6ng thei ddp Ung cac dieu kien sau day:

- Xe dugc san xuat bait cac nha san xuat xe co nha may san xuat, lap rap tai Viet Nam va co he thong dai 1ST uSi quyen.

- Cdc ben thoa thuan va d6ng y rang, khi xe tham gia bao hiem vat chit va Chu xe Ida &rig them phu phi bac) hiem thi MIC &Ong )", va chap nhan thanh town chi phi sira chaa cua chinh hang san xuat hoac cua cac dai 1Y7 dirge uS7 quyen dm hang san xuat ra chiec xe do ten lanh tho Viet Nam.

11. Bac) hitm O to va xe may chuyen clang (ma so 011)

Teen co so. cac dieu kien, dieu khoan, cac diem loai trir, cac dieu khoan 136 sung dinh kern (neu co) cua Quy tac bao hiem xe o to va sau khi nguoi dugc bao hiem da &mg mot khoan phi bao hiem be, sung, MIC dong 3'7 r6ng boi thugng cho nhang hu hong hay ton that phat sinh true tie!) tir cac thiet bi chuyen &mg ten xe co gigi gay ra cho chinh chiec xe do.

Tuy nhien MIC se khong b6i thugng cho cac trugng hop sau:

- Xe co gioi chuyen dung khong darn bao ky thuat theo qui dinh cua phdp luat.

- Nguai dieu khien thiet bi chuyen dUng khong co GiAy phep/Chang chi... dieu khien thiet bi chuyen dung phu hgp voi qui dinh cua phap luat.

- Ngu•:).i dieu khien thiet bi chuyen dung co tinh vi pham cac quy dinh, quy trinh van hanh thiet bi chuyen dung.

12. Bao hitm trach nhqm dan sty doi yofei hang hoa teen xe ding chit (ma so 012)

a) Dieu kien tham gia bao hiem: Ap dung cho xe cher hang.

b) Pham vi bao hiem: Cdc ben thoa thuan va d6ng y rang, khi xe tham gia bao hiem trach nhiem dan,su doi vai hang hod ten xe va xe oda dOng them phu phi bac) hiem thi MIC tra tien boi thuong trong pham vi trach nhiem bao hiem doi vai nhang thiet hai ve hang hod dugc chg teen xe do lai xe gay ra ke ca trugng hgp Chu xe dOng thOi la chit hang.

c) Loai trir bao hiem: Trugng hgp Chu xe la Lai xe d6ng thgi la chit hang thi khong thu'6c pham vi bao hiem cua dieu khoan nay).

13. Cac ditu khoan thoi thuan bO sung khac

20/21

•

MIC BAO HIEN! QUAN DOI

Ngoai cac dieu khoan b6 sung ten, fat ca cac yeti cau bao hiem lchac Chu xe va MIC co th6a thuan bao hiem 1)6 sung bang van ban theo cac ichoan bao hiem rieng, ten co. so. chap thuan cua MIC./.

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