Bn tin th trng bo him ton cu

Trng Ban bin tp: ThS. Trnh Thanh Hoan Ph Trng Ban bin tp: ThS. Phm nh Trng Bin tp vin:  ThS. Ng Vit Trung, ThS. Trn Th Diu Hng, TS. Nguyn Vn Thnh, ThS. Anh Trng, ThS. Bi Hu Ph, TS. Phm Xun Hoan, ThS. Trn Thanh H, Nguyn Th Vn Anh Tr s: Trung tm Nghin cu v o to bo him Ta son: 28 Trn Hng o - Hon Kim - H Ni

in thoi: 22202828, Fax: 22202875, Email: cucqlgsbh@mof.gov.vn Xut bn hng thng theo Giy php xut bn s: 20/GP-XBBT ngy 25/5/2010 ca B Thng tin v Truyn thng In ti Cng ty in Ti chnh

BN TIN

TH TRNG BO HIM TON CU

CC QUN L, GIM ST BO HIM - B TI CHNH

S 2 (20) NGY 29/3/2012

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Hi ngh ngnh Bo him nm 2012

gy 16/3/2012, ti tr s B Ti chnh, Th trng Trn Xun H ch tr Hi ngh ngnh bo him nm 2012. Tham d hi ngh c i din, lnh o cc n v thuc B Ti chnh, Hip hi bo him Vit Nam v Lnh o cc doanh nghip bo him (DNBH), doanh nghip mi gii bo him (DNMGBH). Sau khi nghe bo co ca Lnh o Cc QLBH, kin pht biu ca i din Hip hi bo him Vit Nam, DNBH v DNMGBH, Th trng Trn Xun H kt lun v ch o mt s ni dung cn trin khai trong nm 2012, c th nh sau: 1. Tip tc hon thin khun kh php l v hot ng kinh doanh bo him nh nu trong Bo co tng quan ngnh bo him nm 2011 v nh hng trin khai hot ng nm 2012, trong trng tm l ban hnh 2 Thng t thay th Thng t s 155/2007/TT-BTC v Thng t s 156/2007/TT-BTC v Thng t hng dn vic qun l,

s dng Qu bo v ngi c bo him. 2. Thc hin mt bc cn bn v ti cu trc cc doanh nghip bo him: Cc QLBH nghin cu xy dng v trnh B ban hnh b tiu ch nh gi doanh nghip bo him v p dng cc bin php x l ph hp i vi tng doanh nghip bo him; cc doanh nghip bo him t nh gi v t chc ti c cu hot ng ca mnh trn cc mt: sn phm, nng lc ti chnh, hot ng u t v b my t chc hot ng. 3. Trin khai quyt lit hn 2 n Bo him tn dng xut khu v Bo him nng nghip: Trn c s kt qu t c trong nm 2011, nh gi li cch ch o, iu hnh, c ch chnh sch, mi quan h vi cc B, ngnh khc phc kh khn, thc y tin , m bo cht lng, hiu qu. 4. Nghin cu v pht trin cc sn phm bo him mi ph hp vi tnh hnh thc tin, nh: m rng sn phm bo him lin kt u t, bo him nng lng nguyn t,

bo him c s khm cha bnh, bo him hu tr t nguyn... 5. y mnh cng tc gim st, kim tra, thanh tra v x l vi phm m bo th trng pht trin lnh mnh; cc doanh nghip bo him ch ng chn chnh hot ng v khc phc nhng tn ti, hn ch ca mnh sau thanh tra, kim tra. 6. B Ti chnh nh gi cao s phi hp ca Hip hi bo him v cc doanh nghip bo him, doanh nghip ti bo him, doanh nghip mi gii bo him trong vic xy dng vn bn quy phm php lut, Chin lc pht trin th trng bo him v cc n ln trong nm qua. Trong thi gian ti, B Ti chnh mong mun Hip hi bo him ci cch hn na v t chc b my, nng cao cht lng ngun nhn lc, pht huy tt vai tr l cu ni gia c quan qun l nh nc v cc doanh nghip bo him; phi hp tt hn na vi B Ti chnh v cc doanh nghip bo him xy dng th trng bo him Vit Nam pht trin n nh, lnh mnh v hiu qu.

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Tng quan v th trng bo him

Bo him phi nhn th:
Trong 3 thng u nm 2012, tng doanh thu ph bo him gc ca th trng phi nhn th c t 6.022,6 t ng, tng 23,8% so vi cng k nm 2011. Dn u th trng v doanh thu ph gc l Bo Vit vi doanh thu c t 1.461,6 t ng, tng trng 28,7% so vi cng k nm 2011, chim th phn 24,3%. Tip n l PVI (1.445 t ng, tng 28,9%, chim th phn 24%), Bo Minh (755,8 t ng, tng 11,2%, chim th phn 12,6%), PJICO (408,4 t ng, tng 0,25%, chim th phn 6,8%) v PTI (346,9 t ng, tng trng 50,3%, chim th phn 5,8%). Hu ht cc DNBH u c mc tng trng kh so vi cng k nm 2011. Mt s DNBH c t l tng trng trn 50% nh BIC (152,3 t ng, tng 148%), Xun Thnh (45,4 t ng, tng 60%), UIC (63,3 t ng, tng 76%), Samsung Vina (130,1 t ng, tng 64,3%), QBE (26,7 t ng, tng 72,5%), Groupama (18,3 t ng, tng 98,1%) v ACE (26,5 t ng, tng 86,2%). Mt s DNBH c doanh thu gim so vi cng k nm 2011 l Bo Ngn (15,8 t ng, gim 40,2%); Bo Long (59,2 t ng, gim 26,8%); Ph Hng (799 triu ng, gim 35,6%) v VNI (115,3 t Biu : Doanh thu ph bo him gc phi nhn th Qu I/2012
n v: Triu ng

Th phn doanh thu ph bo him nhn th Qu I/2012

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ng, gim 9,6%). S tin thc bi thng bo him gc ca th trng phi nhn th trong 3 thng u nm 2012 c khong 1.593,1 t ng, t l thc bi thng bo him gc l 26,5%, tng ng t l thc bi thng bo him gc cng k nm 2011 (26,1%). Cc DNBH c t l thc bi thng cao (trn 50%) l Fubon (72,1%), Liberty (67,3%) v BIC (61,6%).

Bo him nhn th:

Tng doanh thu ph bo him nhn th 3 thng u nm 2012 t khong 3.263,5 t ng, tng 11,2% so vi cng k nm 2011. Th phn doanh thu ph bo him khai thc mi khng c s thay i ti nhm dn u th trng: Prudential dn u th trng vi th phn t 34,2%, tip n l BVNT (30,2%),

Manulife (11,9%) tip theo l AIA (7,8%), Dai-ichi (7,2%), ACE (5,5%). Nhm doanh nghip cn li chim th phn nh (1% v di 1%). Tng doanh thu ph bo him khai thc mi 3 thng u nm 2012 c t 824,7 t ng, tng 6,98% so vi cng k nm 2011. Tuy nhin s lng hp ng khai

thc mi gim nh (gim 0,3% so vi cng k nm ngoi). Th phn doanh thu ph bo him khai thc mi khng c s thay i ti nhm dn u th trng: Prudential dn u th trng vi th phn t 24,4%, tip n l BVNT (23,5%), Manulife (14,2%) tip theo l Daiichi (10,6%), AIA v ACE (9,5%).

K hoch thanh tra, kim tra cc doanh nghip bo him nm 2012

Cn c K hoch thanh tra v kim tra c B trng B Ti chnh ph duyt, trong nm 2012, Cc QLBH s thc hin thanh tra 4 DNBH, kim tra 13 DNBH v kim tra theo chuyn mt s DNBH, c th nh sau: Thanh tra chnh thc: 1. Cng ty c phn Bo him Ngn hng Nng nghip (ABIC) 2. Cng ty TNHH Manulife Vit Nam 3. Cng ty TNHH AON Vit Nam Thanh tra d phng: 1. Cng ty c phn Bo him Hng khng (VNI) Kim tra: 1. Lnh vc kinh doanh bo him phi nhn th: - Cng ty TNHH mt thnh vin Bo him Ngn hng thng mi c phn Cng thng Vit Nam; - Cng ty c phn Bo him Hng Vng; - Cng ty TNHH Bo him Chartis Vit Nam; - Cng ty TNHH Bo him tng hp Groupama Vit Nam; - Cng ty TNHH Bo him Fubon. 2. Lnh vc kinh doanh bo him nhn th:

- Cng ty TNHH bo him nhn th Generali Vit Nam; - Cng ty TNHH bo him nhn th Fubon Vit Nam; - Cng ty TNHH bo him nhn th Cathay Vit Nam; - Cng ty TNHH bo him nhn th Vietcombank - Cardif; - Cng ty TNHH bo him nhn th Vietinbank Aviva. 3. Lnh vc kinh doanh mi gii bo him: - Cng ty TNHH mi gii bo him Jardine Lloyd Thompson; - Cng ty c phn mi gii bo him Cimeico; - Cng ty c phn mi gii bo him Sao Vit. Kim tra theo chuyn lnh vc kinh doanh bo him phi nhn th: 1. Kim tra theo chuyn bo him xe c gii v hoa hng bo him: i tng l cc doanh nghip bo him c doanh thu ph bo him xe c gii ln, nhng khng nm trong danh sch i tng thanh tra v kim tra ton din. 2. Kim tra chuyn chi hoa hng i l bo him i vi Tng cng ty Bo him Bo Vit.

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Hin nay c khong 90% ch xe t (1,35 triu xe/1,5 triu xe) v 29% ch xe m t (8 triu xe/28 triu xe) tham gia bo him bt buc TNDS ch xe c gii. Theo thng k, hng nm c khong 12.000 ngi cht v tai nn giao thng, hu ht cc v tai nn giao thng lin quan n xe c gii gy t vong, thng tch cho nn nhn u thuc trch nhim bo him bt buc TNDS ch xe c gii v c gii quyt bi thng. Trng hp khng c bo him cng c xem xt h tr. Mc bi thng v ngi trng hp cht l 50 triu ng/1 ngi/1 v, ti sn l 50 triu ng/ 1 v. Ngoi vic gii quyt bi thng trn, cc DNBH cng chi hng trm t ng thc hin vic phng hn ch tn tht, h tr xy dng cc cng trnh phng hn ch tn tht, hnh lang an ton ng b, ng st, ng lnh nn, bin bo. ti H Ni, Nam nh, Ninh Bnh, H Nam, Bc Giang, Thanh Ho, Lng Sn, Qung Ngi, Gia Lai, ng Nai, Ph Yn. Bn cnh cc kt qu t c, vic thc hin ch bo him ny cn c nhng tn ti cn phi c nghin cu, xem xt, tho g sm, c th nh: t l tham gia bo him cn thp; vic gii quyt bi thng ca cc DNBH cn chm tr, gy phin h; mc trch nhim, mc ph bo him cha ph hp vi thc t; vic phn nh li trong gii quyt bi thng cha hp l; thi hn tham gia bo him, ng ph bo him cha linh hot trong mt s trng hp c th; mc h tr nhn o thp, i tng h tr hp, Trn c s bo co nh gi ca Cc QLBH, qua kin ng gp ca cc i biu ti Hi ngh, Cc QLBH s nghin cu, tip thu v d tho chi tit cc ni dung Thng t sa i, b sung Thng t s 126/2008/TT-BTC, Thng t s 103/2009/TT-BTC.
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Hi ngh bo him bt buc trch nhim dn s ca ch xe c gii

Cc QLBH phi hp vi Hip hi Bo him Vit Nam t chc Hi ngh tng kt nh gi 03 nm thc hin ch bo him bt buc trch nhim dn s ca ch xe c gii ti 4 a phng c s lng xe c gii ln nht c nc l H Ni, Cn Th, TP. H Ch Minh v Nng. Tham d Hi ngh c i din Vn phng Chnh ph, V Php ch - B Ti chnh, Cc CSGT ng b, ng st-B Cng an, C quan CSGT ti a phng, Tng Cc ng b Vit Nam, Cc ng kim-B GTVT, Hip hi vn ti Trung ng, a phng; mt s doanh nghip vn ti ln- khch hng tham gia bo him, mt s i l bo him v tt c cc DNBH phi nhn th. Qua 3 nm thc hin, chng trnh t c nhng kt qu tch cc nh sau: Th nht, cng tc ph bin php lut, phi hp, thng tin tuyn truyn c nhng nh hng tch cc n ngi dn v ton x hi trong vic xc nh r quyn v ngha v ca mnh i vi vic thc hin ch bo him ny.

Th hai, thc chp hnh cc quy nh php lut cng c nng ln. Cc DNBH c thc chp hnh tng i nghim chnh cc quy nh php lut v ch bo him ny. Pha ch xe cng hnh thnh thi quen v xc nh c tham gia bo him bt buc TNDS ca ch xe c gii va l quyn li, va l ngha v. Pha c quan chc nng cng tng cng kim tra, gim st DNBH v ch xe trong vic chp hnh cc quy nh v bo him bt buc TNDS. Th ba, CSDL v bo him bt buc TNDS ca ch xe c gii v ang c trin khai. Hin ti, CSDL ang c Cc QLBH, HHBH v cc DNBH khn trng trin khai xy dng, d kin s hon thnh trong nm 2012. C th ni, nu CSDL c xy dng v vn hnh th y s l phn mm u tin c s dng thng nht trong ngnh bo him, m bo cng tc phi hp, qun l, gim st gia Cc QLBH, cc c quan hu quan, Hip hi bo him, cc DNBH m bo cng khai, minh bch v gim thiu ti a vic trc li bo him. Th t, vic tham gia bo him bt buc TNDS ch xe c gii, gii quyt bi thng cng t c nhng kt qu tch cc.

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Trin khai th im Bo him tn dng xut khu
Ngy 7/3/2012 v ngy 16/3/2012, B Ti chnh t chc hp nh gi tnh hnh trin khai Quyt nh s 2011/Q-TTg ngy 5/11/2010 ca Th tng Chnh ph v thc hin th im bo him tn dng xut khu (BHTDXK) giai on 2011- 2013 v bn phng hng, k hoch trin khai trong nm 2012, ngy 7/3/2012. Tham d cuc hp c i din B K hoch v u t, B Cng thng, Ngn hng Nh nc, B Thng tin v Truyn thng v i din cc DNBH c la chn trin khai th im. Kt qu thc hin nm 2011: Vic trin khai th im BHTDXK theo Quyt nh 2011/Q-TTg trong nm 2011 c nh gi c th nh sau: Nhng mt c: l V pha c quan qun l Nh nc, h thng vn bn hng dn trin khai kh y , bao qut y cc ni dung quy nh ti Quyt nh s 2011/Q-TTg. Bc u t chc tp hun, tuyn truyn v BHTDXK cho cc thng nhn xut khu v cc i tng lin quan; b tr kinh ph h tr DNBH v thng nhn xut khu theo ng tin ca n. Trong nm 2011, B Ti chnh ch tr t chc 2 lp o to v nghip v BHTDXK cho cn b Cc QLBH, cn b DNBH v cn b cc n v trong B, cc B, ngnh lin quan trong 1 lp do chuyn gia Hn Quc ging v 1 lp do chuyn gia ca Coface ging dy. ng thi, B Ti chnh phi hp vi B Cng thng t chc Hi ngh tp hun BHTDXK khu vc pha Bc ti H Ni vi s tham gia ca i din cc t chc xut khu, ngn hng thng mi, DNBH, cc B, c quan lin quan. Ngoi ra, B Ti chnh ch ng phi hp vi cc c quan thng tin i chng nh Thi bo Ti chnh, bo Nhn Dn, bo Cng thng, cc bo in t, cc i truyn hnh gii thiu v BHTDXK, s cn thit v li ch i vi cc thng nhn khi tham gia BHTDXK, nhng thun li v kh khn ca DNBH khi trin khai BHTDXK. l V pha DNBH, v c bn chun b cc iu kin v bc u trin khai bn sn phm BHTDXK. Tuy nhin, nhng hp ng bo him ny c thc hin trc khi quy tc BHTDXK c ph chun nn trong nm 2011 khng pht sinh h tr ph BHTDXK. Trng hp nhng hp ng ny c ti tc, ng thi pht sinh nhng hp ng mi trong nm 2012 theo quy tc c B Ti chnh ph chun th ngn sch nh nc s h tr ph BHTDXK cho thng nhn iu kin theo quy nh. Mt s tn ti, hn ch: l V pha c quan qun l Nh nc: - Cha c s phi hp cht ch gia cc B, ngnh lin quan (trc tip l B Cng thng, Ngn hng Nh nc, B Thng tin v Truyn thng). Do , cha tn dng c cc knh tuyn truyn, gii thiu v BHTDXK thng qua Hip hi ngnh hng v h thng cc ngn hng thng mi. - Cng tc thng tin, tuyn truyn c trin khai bc u, tuy nhin cha c thng xuyn v lin tc, cha c gii php hu hiu nng cao nhn thc ca thng nhn xut khu. l V pha DNBH: - Cng tc chun b cc iu kin bn sn phm bo him ny cn hn ch v cha quyt lit, cha thc hin vic u t chun b cc iu kin ban u Nh nc c th h tr chi ph theo quy nh ti Thng t s 99/2011/TT-BTC (nh ci t phn mm v xy dng c s d liu nh nhp khu; Thit k sn phm BHTDXK; T chc o to, hi tho, tuyn truyn v BHTDXK v.v..). - Cng tc tuyn truyn, gii thiu sn phm thuyt phc cc thng nhn xut khu cn rt hn ch. Do , cha cp c n bo him no Nh nc c th h tr ph bo him theo quy nh ti Thng t s 99/2011/TT-BTC (h tr 20% ph bo him gc khi thng nhn xut khu tham gia BHTDXK ti DNBH c B Ti chnh la chn trin khai th im BHTDXK). - Knh khai thc BHTDXK cn hn ch, ph thuc vo gii thiu ca Cng ty m hoc nh ti bo him nc ngoi ang hp tc. Qu trnh cp n cn b ko di do ph thuc vo kt qu thm nh, nh gi ri ro ca nh ti bo him nc ngoi. l V pha thng nhn xut khu, cha thy c li ch ca vic tham gia BHTDXK v vn quan nim mua BHTDXK s lm tng chi ph, tng gi thnh sn phm v gim li nhun. K hoch trin khai trong nm 2012 Trong nm 2012, B Ti chnh vi vai tr l c quan ch tr thc hin s tip tc phi hp cht ch vi cc B, ngnh v cc DNBH thc hin cc nhim v theo phn cng ti Quyt nh 2011/Q-TTg v cc vn bn hng dn thc hin. C th nh sau: T chc tp hun, tuyn truyn v BHTDXK l Phi hp vi B Cng thng v cc B, ngnh, c quan lin quan t chc tp hun cho cc t chc xut khu khu vc pha Nam (d kin ngy 10/4/2012). i tng tham gia l i din DNBH c la chn trin khai th im BHTDXK, doanh nghip mi gii bo him, Hip hi bo him Vit

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Nam; i din cc B (Cng thng, K hoch v u t, Thng tin v Truyn thng), Ngn hng Nh nc, Phng Thng mi v Cng nghip Vit Nam; i din Hip hi ngnh hng (theo Ph lc Quyt nh 2011/Q-TTg); i din mt s ngn hng thng mi; i din mt s t chc xut khu. l Tuyn truyn trn cc phng tin thng tin i chng, xy dng v thc hin ng dy t vn thng tin, xy dng trang web ca n, thit k ti liu qung b l Phi hp vi B Cng thng, DNBH v cc Hip hi ngnh hng t chc kho st theo a bn v theo ngnh hng trao i, nh gi nhng kh khn, vng mc v kh nng tham gia BHTDXK t pha thng nhn xut khu. - B tr kinh ph h tr ph bo him cho thng nhn xut khu khi k kt Hp ng BHTDXK vi cc DNBH c la chn trin khai th im BHTDXK theo quy nh ti Thng t s 99/2011/TT-BTC. - B tr kinh ph h tr DNBH c la chn trin khai th im BHTDXK theo quy nh Thng t s 99/2011/TT-BTC trn c s xut ca DNBH. - H tr DNBH tip xc, lm vic vi mt s Tp on, Tng cng ty c kim ngch xut khu ln tuyn truyn BHTDXK v vn ng tham gia BHTDXK v nhng h tr khc theo quy nh. Bn cnh s h tr ca B Ti chnh v cc B, ngnh lin quan, trong nm 2012, cc DNBH cn tng cng hn na cng tc tip th, qung b sn phm BHTDXK cho cc thng nhn xut khu tim nng, c bit gii thiu li ch ca vic tham gia BHTDXK so vi vic s dng cc phng thc thanh ton truyn thng. ng thi, y mnh cng tc o to nhn lc, c bit l vic nhn chuyn giao quy trnh khai thc, thm nh, nh gi ri ro t nh ti bo him nc ngoi, gim dn s ph thuc trong qu trnh cp n.

Cc QLBH lm vic vi Hip hi Bo him phi nhn th Nht Bn

Ngy 29/3/2012, ti tr s B Ti chnh, Lnh o Cc Qun l, gim st bo him c bui tip v lm vic vi on i biu ca Hip hi bo him Phi nhn th Nht Bn, do ng JIRO MAKINO- Ph Ch tch Hip hi Bo him Phi nhn th Nht Bn lm trng on. Hai bn cng nhau trao i cc thng tin v th trng bo him, hot ng qun l nh nc,

hot ng kinh doanh bo him v nh hng phi hp, hp tc gia hai bn. Pha bn cam kt s hp tc, gip Vit Nam pht trin th trng bo him, trong c vic phi hp trao i kinh nghim v chia s cc thng tin v bo him nng lng nguyn t v kinh nghim xy dng c s d liu tnh ton xc nh cc mc ph bo him (ph sn) cho cc nghip v bo him phi nhn th ni chung v sn phm bo him bt buc ni ring.

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Trin khai th im bo him nng nghip

Ngy 21/03/2012, B Ti chnh t chc hp nh gi cng tc trin khai th im bo him nng nghip nm 2011 theo Quyt nh s 315/Q-TTg ngy 01/3/2011 ca Th tng Chnh ph. Tham d cuc hp c i din ca B Nng nghip v Pht trin nng thn, thnh vin Ban ch o trin thc hin th im bo him nng nghip theo Quyt nh s 1653 Q-BTC ngy 12/07/2011 ca B trng B Ti chnh (Ban ch o), Hip hi bo him Vit Nam v cc doanh nghip bo him trin khai th im. Sau khi nghe Ban ch o bo

co kt qu trin khai th im bo him nng nghip ti 20 tnh, thnh ph trong nm 2011, cc thnh vin tham d cuc hp tho lun, nh gi kt qu t c, nhng vn vng mc cn tho g v cc cng vic cn trin khai trong thi gian ti trn cc phng din c ch, chnh sch; t chc trin khai; s phi hp gia cc B, ngnh, a phng v cng tc tuyn truyn, c th nh sau: Kt qu t c Chng trnh th im bo him nng nghip c cc B, ngnh, h thng chnh quyn a phng (t cp tnh, huyn, x, thn), cc doanh nghip bo him tch cc trin khai v c ngi nng dn hng ng tch cc. C th:

l Ban ch o phi hp vi B Nng nghip v Pht trin nng thn ch ng lm vic, n c tng a phng, kp thi gii thch hng dn tho g kh khn vng mc ca a phng v doanh nghip bo him trong qu trnh trin khai, i i vi vic t chc tt cng tc tuyn truyn trn cc phng tin thng tin i chng ti trung ng v a phng. l V pha chnh quyn a phng: Cc a phng thnh lp Ban ch o, c phn cng, phn nhim ch o c th n tng thnh vin, t chc tt cng tc chun b trin khai nh cng b quy trnh sn xut nng nghip, cng b cc s liu thng k v s lng cc h nng dn thuc din

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i tng tham gia bo him, gi tr, sn lng d kin tham gia bo him, t chc truyn truyn v bo him nng nghip. l V pha cc doanh nghip bo him phi hp cht ch vi chnh quyn a phng; ch ng v sng to trin khai cc cng vic c lin quan nh tuyn truyn, vn ng, gii thch thm d nhu cu tham gia bo him ca ngi dn, t chc tt vic xy dng mng li i l, cng tc vin thuc h thng chnh quyn cc cp, cc t chc on th c lin quan. n nay, Tng Cng ty Bo him Bo Vit cp n bo him cho 23.241 h nng dn ti Ngh An v ng Thp. D kin, s lng h nng dn tham gia bo him v doanh thu ph bo him nng nghip s tng nhanh trong thi gian ti i vi tt c cc i tng c bo him nh cy la, vt nui v thu sn. Nhng kt qu t c bc u cho thy: Trin khai th im bo him nng nghip thc s l ch trng ng n ca ng v Nh nc, c ng o ngi sn xut nng nghip ng tnh ng h. Nhng kh khn cn tho g Qu trnh trin khai trong nm 2011 cng bc l mt s kh khn, vng mc, c th nh sau: l Mt l, mt s quy nh ti cc vn bn hng dn thi hnh Quyt nh s 315 Q TTg ca Th tng Chnh ph cha p ng c nguyn vng ca ng o cc h nng dn tham gia bo him, nh: vic gii hn s huyn, s x tham gia bo him, gii hn i tng vt nui, thu sn c bo him cng gy thc mc t nhng h nng dn khng c hng li t chng trnh trin khai th im bo him nng nghip. l Hai l, cng tc o to, hng dn, tr gip, gim st cc h nng dn tham gia bo him thc hin cc quy trnh sn xut nng nghip vn cn hn ch. l Ba l, hin nay cc doanh nghip bo him vn cha thng nht ch ti chnh, ho n chng t v cch thc hch ton nghip v bo him nng nghip. Do vy, cng tc trin khai tip theo c nhiu kh khn. l Bn l, cc a phng khc nhau c c th sn xut nng nghip khc nhau, ri ro khc nhau. Cc vn bn hng dn thi hnh ca B Nng nghip v Pht trin nng thn, quy tc bo him ca B Ti chnh cha th hin c ht cc nhu cu c th ny ca tng tnh, thnh. Do vy, ti mt vi a phng, cc h nng dn cha tch cc tham gia bo him. l Nm l, mt s a phng cha t chc ch o n chnh quyn cp x phi hp vi cc t chc, on th v doanh nghip bo him thc hin tuyn truyn, vn ng cc h nng dn tham gia bo him, c bit l ngi ngho v cn ngho tham gia bo him trc v m rng cc h nng dn khng thuc din ngho v cn ngho, cc t chc sn xut nng nghip khc tham gia bo him. l Su l, ngi dn vn cn bn khon gia s la chn tham gia th im bo him nng nghip v trng ch vo s h tr ca Nh nc theo Quyt nh 719/Q-TTg ngy 05/6/2008 v chnh sch h tr phng, chng dch bnh gia sc, gia cm v Quyt nh s 142/2009/ Q-TTg ngy 31/12/2009 v c ch, chnh sch h tr ging cy trng, vt nui, thy sn khi phc sn xut vng b thit hi do thin tai, dch bnh. Bn cnh nhng kt qu t c v cc kh khn vng mc, Ban ch o ra cc cng vic cn trin khai tip theo v c ch chnh sch, phi hp gia cc c quan, ban ngnh cc cp, kinh ph h tr trin khai v s kt nh gi 1 nm trin khai th im bo him nng nghip.

Hi tho Chia s kinh nghim qun l, gim st hot ng kinh doanh bo him
Thc hin chng trnh hp tc gia B Ti chnh Vit Nam v y ban dch v ti chnh Hn Quc (FSC), ngy 13-14/3/2012, ti tr s B Ti chnh, Cc QLBH phi hp vi C quan gim st dch v ti chnh Hn Quc (FSS) t chc Hi tho Chia s kinh nghim qun l, gim st hot ng kinh doanh bo him. Hi tho tp trung tho lun cc vn v H thng qun l, gim st bo him ca Hn Quc;

Kinh nghim v thc tin v hot ng thanh tra, kim tra trong lnh vc bo him; Chng trc li bo him v ti cu trc cc DNBH. Hi tho c t chc ln ny th hin s phi hp cht ch gia B Ti chnh Vit Nam v y ban dch v ti chnh Hn Quc v y l ln u tin Cc QLBH phi hp vi c quan qun l gim st ti chnh ca nc ngoi chia s kinh nghim v qun l bo him. Hi tho s l c hi gip cho cc cn b B Ti chnh c iu kin tip cn vi vic qun l v gim st th trng bo him ca th gii ni chung v khu vc ni ring.

Bn tin th trng bo him ton cu

bo him trong nc
Hi ngh s kt tnh hnh trin khai bo him vi m

Ngy 28/3/2012, ti tr s Trung ng Hi lin hip Ph n Vit Nam, Hi LHPN phi hp vi Cng ty TNHH Manulife (Vit Nam) t chc bui s kt trin khai sn phm bo him vi m. i din Lnh o Cc QLBH - B Ti chnh v Lnh o Trung ng Hi LHPN Vit Nam n d bui s kt.

Chng trnh gii thiu sn phm bo him vi m vi tn gi Bn ng hnh c Cng ty Manulife bt u gii thiu t thng 8/2009 ti 2 tnh Hi Phng v Tin Giang. y l sn phm bo him thuc nghip v bo him t k, c hon ph, c thit k vi cc quyn li n gin, ph hp vi i tng ngi c thu nhp thp v t c iu kin tip cn cc loi hnh bo him. Sau hn 2 nm trin khai, vi s n lc ca Cng ty Manulife v Hi LHPN cc cp, sn phm c trin khai ti 13 tnh, thnh trong c nc vi gn 120.000 hp ng bo him. Ti bui s kt, i din Hi ph n ca 13 tnh, thnh ang phi hp vi Cng ty Manulife trin khai sn phm bo him vi m cng a ra cc kin ng gp hon thin sn phm, knh phn phi, quy trnh thu ph, quy trnh chi tr quyn li bo him Cng trong chng trnh ny Cng ty Manulife Vit Nam ti tr 650 triu ng ti 13 tnh, thnh.

k kt hp ng bo him cho v tinh Vinasat-2 tr gi khong 4.700 t ng vi Tp on Bu chnh Vin thng Vit Nam (VNPT). Trong , t l trch nhim ca PTI l 70% v Bo Vit l 30% gi tr hp ng. Trc , PTI v Bo him Bo Vit cng c VNPT la chn bo him cho v tinh Vinasat-1 vi tng gi tr khong 3.000 t ng. V tinh Vinasat-2 do Lockheed Martin (M) sn xut, s dng cng ngh khung A2100A, mt trong nhng cng ngh v tinh tin tin nht hin nay. Theo k hoch, ngy 15/5/2012 Vinasat-2 s c phng vo qu o bng tn la Arian 5 (Php) t bi phng Kuru (Guiana thuc Php). V tinh Vinasat-2 s cng vi Vinasat-1 to thnh mt h thng cc v tinh c kh nng d phng v dung lng v ri ro gia cc v tinh, gp phn tng cng an ton, n nh trong qu trnh cung cp dung lng v tinh cho khch hng. H thng s cng c an ninh, an ton cho mng vin thng quc gia v mang li li ch chung cho cng ng.

Cng ty TNHH Bo him Fubon (Vit Nam)

4.700 t ng bo him cho v tinh Vinasat2

Ngy 17/3/2012, ti H Ni, Bo him Bu in (PTI) v Bo him Bo Vit chnh thc

l Ngy 01/3/2012, B Ti chnh c Cng vn s 2694/BTC-QLBH chp thun vic thay i a im t tr s chnh ca Cng ty nh sau: a ch c: Tng 4, Ta nh Lawrence Sting Building, Ph M Hng, 801 i l Nguyn Vn Linh, phng Tn Ph, Qun 7, Thnh ph H Ch Minh. a ch mi: Tng 15, Ta nh REE Tower, s 9 ng on Vn B, Qun 4, Thnh ph H Ch Minh. l Ngy 30/3/2012, B Ti chnh cp Giy php iu chnh s 52/GPDC2/KDBH cho php Cng ty TNHH bo him Fubon (Vit Nam) b sung Giy php thnh lp v hot ng s 52GP/ KDBH ngy 1/7/2008 ca B trng B Ti

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Bn tin th trng bo him ton cu

bo him trong nc
chnh vi ni dung nh sau: Thnh lp Cng ty TNHH bo him Fubon (Vit Nam) Chi nhnh Nng (tn vit tt l Chi nhnh Fubon Nng). a ch: Tng 8, To nh ACB Nng, s 218 ng Bch ng, phng Phc Ninh, qun Hi Chu, thnh ph Nng. Pht tin vi mc pht l 70.000.000 ng (by mi triu ng chn). L do: Tng cng ty c phn bo him Xun Thnh c hnh vi vi phm hnh chnh cha b nhim Ch tch hi ng qun tr Cng ty. Ngy 06/3/2012, B Ti chnh c Cng vn s 2957/BTC-QLBH chp thun vic iu chnh li a ch mt s chi nhnh ca Cng ty c phn bo him PJICO (PJICO) v thay i a im t tr s chi nhnh ca PJICO ti tnh Lng Sn v tnh B Ra - Vng Tu nh sau: Chp thun vic iu chnh li a ch mt s chi nhnh ca PJICO nh sau: PJICO Chi nhnh Vnh Phc a ch c: Ng ba vng xuyn, phng Khai Quang, th x Vnh Yn, tnh Vnh Phc. a ch mi: Phng Khai Quang, thnh ph Vnh Yn, tnh Vnh Phc. PJICO Chi nhnh Tuyn Quang a ch c: S 2, ng Phan Thit, phng Phan Thit, th x Tuyn Quang, tnh Tuyn Quang. a ch mi: S 2, ng Phan Thit, phng Phan Thit, thnh ph Tuyn Quang, tnh Tuyn Quang. PJICO Chi nhnh H Tnh a ch c: S 458 H Huy Tp, th x H Tnh, tnh H Tnh a ch mi: S 458 H Huy Tp, thnh ph H Tnh, tnh H Tnh. PJICO Chi nhnh Qung Ngi a ch c: S 168, ng Trng nh, th x Qung Ngi, tnh Qung Ngi. a ch mi: S 168, ng Trng nh, thnh ph Qung Ngi, tnh Qung Ngi. PJICO Chi nhnh H Nam a ch c: S 68, ng inh Tin Hong, phng Trn Hng o, th x Ph L, tnh H Nam. a ch mi: S 68, ng inh Tin Hong, phng Trn Hng o, thnh ph Ph L, tnh H Nam. PJICO Chi nhnh Ph Yn a ch c: S 46 Nguyn Hu, phng 5, th x Tuy Ha, tnh Ph Yn. a ch mi: S 46 Nguyn Hu, phng 5, thnh ph Tuy Ha, tnh Ph Yn. PJICO Chi nhnh Kin Giang a ch c: S 611, Nguyn Trung Trc, th x Rch Gi, tnh Kin Giang.
Bn tin th trng bo him ton cu

Cng ty c phn bo him PJICO

Tng cng ty Bo him PVI

Ngy 05/3/2012, B Ti chnh c Cng vn s 2831/BTC-QLBH chp thun vic thay i a im t tr s Cng ty Bo him PVI ng nh sau: a ch c: S 402 Trn Kht Chn, qun Hai B Trng, H Ni. a ch mi: Tng 7 & 8 ta nh P-Tower, 52 B Triu, qun Hon Kim, H Ni.

Tng Cng ty c phn bo him SHBVinacomin

N g y 05/3/2012, B Ti chnh c Cng vn s 2832/BTCQLBH chp thun vic thay i a im t tr s Cng ty Bo him SHB-Vinacomin Bc Min Trung Cng ty nh sau: a ch c: S 119B, Quc l 9, thnh ph ng H, tnh Qung Tr. a ch mi: S 50 Ng Quyn, thnh ph ng H, tnh Qung Tr.

l Ngy 06/3/2012, B Ti chnh c Cng vn s 3001/BTC-QLBH chp thun vic thay i a im t tr s Cng ty bo him Xun Thnh Thanh Ho nh sau: a ch c: Tng 3, to nh s 02 Phan Chu Trinh, Phng in Bin, thnh ph Thanh Ho, tnh Thanh Ho. a ch mi: S 423, ng Quang Trung 2, Phng ng V, thnh ph Thanh Ho, tnh Thanh Ho. l Ngy 24/2/2012, Thanh tra B Ti chnh ra Quyt nh s 10/Q-XPHC x pht vi phm hnh chnh trong lnh vc kinh doanh bo him i vi Tng cng ty c phn bo him Xun Thnh vi hnh thc x pht nh sau:

Tng cng ty c phn bo him Xun Thnh

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bo him trong nc
a ch mi: S 611, Nguyn Trung Trc, phng An Ho, thnh ph Rch Gi, tnh Kin Giang. PJICO Chi nhnh ng Nai a ch c: S 63A, quc l 1A, phng Quyt Thng, thnh ph Bin Ha, tnh ng Nai. a ch mi: S 63A, H Huy Gip, phng Quyt Thng, thnh ph Bin Ha, tnh ng Nai. PJICO Chi nhnh Lo Cai a ch c: S 36A, ng Hong Lin, phng Cc Lu, thnh ph Lo Cai, tnh Lo Cai. a ch mi: S 036, ng Hong Lin, phng Cc Lu, thnh ph Lo Cai, tnh Lo Cai. PJICO Chi nhnh Ph Th a ch c: S 2094 i l Hng Vng, phng ng Trang, thnh ph Vit Tr, tnh Ph Th. a ch mi: S 2094 ng Hng Vng, phng Nng Trang, thnh ph Vit Tr, tnh Ph Th. PJICO Chi nhnh Bc Ninh a ch c: S 10, l E, Trung tm thng mi, L Vn Thnh, Sui Hoa, thnh ph Bc Ninh, tnh Bc Ninh. a ch mi: S 10, l E khu trung tm thng mi v dch v L Vn Thnh, phng Sui Hoa, thnh ph Bc Ninh, tnh Bc Ninh. PJICO Chi nhnh Thng Long a ch c: S 144C Trn Ph, H ng, H Ni. a ch mi: S 114C Trn Ph, phng M Lao, qun H ng, Thnh ph H Ni. Chp thun vic thay i a im t tr s chi nhnh ca PJICO ti tnh Lng Sn v tnh B Ra - Vng Tu nh sau: PJICO Chi nhnh Lng Sn a ch c: S 104, ng L Li, phng Vnh Tri, thnh ph Lng Sn, tnh Lng Sn. a ch mi: S 63, ng B Triu, phng Hong Vn Th, thnh ph Lng Sn, tnh Lng Sn. PJICO Chi nhnh Vng Tu a ch c: S 348A, Nguyn An Ninh, Phng 8, thnh ph Vng Tu, tnh B Ra Vng Tu. a ch mi: S 70, ng C Giang, Phng 4, thnh ph Vng Tu, tnh B Ra - Vng Tu. 3081/BTC-QLBH chp thun vic thay i a im t tr s Cng ty c phn bo him Hng Khng - Chi nhnh Hi Dng nh sau: a ch c: S 1, i l H Ch Minh, Thnh ph Hi Dng, tnh Hi Dng. a ch mi: L s 05 - LK 14 (Bc) ng Gom ven quc l 5 Thnh ph Hi Dng, tnh Hi Dng.

Cng ty c phn Bo him Nh Rng

l Ngy 20/3/2012, B Ti chnh c Cng vn s 3732/BTC-QLBH chp thun vic i tn Hi s ca Cng ty nh sau: Tn c: Cng ty c phn Bo him Nh RngHi s Si Gn Tn mi: Cng ty c phn Bo him Nh Rng- Chi nhnh Si gn (vit tt l Chi nhnh Bo Long Si gn). l Ngy 30/3/2012, B Ti chnh cp Giy php iu chnh s 05/GPC15/KDBH v vic thnh lp 5 chi nhnh ca Bo Long 1. Cng ty c phn Bo him Nh Rng- Chi nhnh Thng Long (tn gi tt l Chi nhnh Bo Long Thng Long), a ch: S 11 l 12B, khu th Trung Yn, phng Trung Ha, qun Cu Giy, H Ni; 2. Cng ty c phn Bo him Nh Rng- Chi nhnh Gia nh (tn gi tt l Chi nhnh Bo Long Gia nh), a ch: 448 Nguyn Kim, phng 3, qun Ph Nhun, Thnh ph H Ch Minh. 3. Cng ty c phn Bo him Nh Rng- Chi nhnh Bn Thnh (tn gi tt l Chi nhnh Bo Long Bn Thnh), a ch: 179 Phan Xch Long, phng 7, qun Ph Nhun, Thnh ph H Ch Minh; 4. Cng ty c phn Bo him Nh Rng- Chi nhnh Phng Nam (tn gi tt l Chi nhnh Bo Long Phng Nam), a ch: 202 ng D5, phng 25, qun Bnh Thnh, Thnh ph H Ch Minh; 5. Cng ty c phn Bo him Nh Rng- Chi nhnh thnh ph H Ch Minh (tn gi tt l Chi nhnh Bo Long Thnh ph H Ch Minh), a ch: lu 7, s 185 in Bin Ph, phng akao, qun 1, Thnh ph H Ch Minh.

Great Eastern Vit Nam trao gii cuc thi nh Cuc sng tuyt vi nm 2011

Cng ty c phn bo him Hng khng

Ngy 8/3/2012, B Ti chnh c Cng vn s

Va qua ti TP.HCM, Cng ty TNHH Bo him nhn th Great Eastern Vit Nam, Hi Nh Bo TP.HCM v Hi Nhip nh TP.HCM

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a im t vn phng i din ti Tin Giang nh sau: a ch c: 12A5 ng Nguyn Tri, phng 7, thnh ph M Tho, tnh Tin Giang a ch mi: 12B5 ng Nguyn Tri, phng 7, thnh ph M Tho, tnh Tin Giang. Trin khai sn phm Bo him gio dc ton din Ngy 15/3/2012, B Ti chnh c Cng vn s 3502/BTC-QLBH chp thun cho AIA trin khai sn phm Bo him hn hp c thi hn - Bo him gio dc ton din. y l sn phm bo him hn hp khng chia li, cung cp quyn li bo him cho ngi tr ct trong gia nh (t 18-55 tui) v quyn li gio dc cho con ci (t 0-16 tui) vi cc quyn li bo him t vong, thng tt do tai nn, thng tt ton b vnh vin, bnh him ngho, tin mt nh k, min thu ph v thng o hn hp ng.

Tn TG Great Eastern Vit Nam cng vi khch mi v nhng ngi ot gii

phi hp t chc L trao gii v trin lm cuc thi nh vi ch Cuc sng tuyt vi ln th 9 (nm 2011). Cuc thi nh c khi ng ngy 1/11/2011 v chnh thc khp li vo ngy 20/12/2011. Cuc thi thu ht rt nhiu ngi tham gia vi hn 5,000 bc nh gi vo website Cuocsongtuyetvoi.vn. Hn 87,000 lt truy cp website v hn 20,000 lt bnh chn. Vi 104 bc nh lt vo chung kt, Ban Gim Kho chn ra 24 bc nh trao gii thng. Theo , tc phm Sn khu tui th ca tc gi Dng Nguyn (TP.HCM) xut sc ot gii nht vi gii thng l chuyn du lch Singapore v qu tng, tr gi 13 triu ng. Tng gi tr 24 gii thng l 150 triu ng.

Vietinbank Aviva

AIA Vit Nam

Ngy 5/3/2012, B Ti chnh c cng vn s 2888/BTC-QLBH chp thun cho Vietinbank Aviva trin khai sn phm bo him hn hp c s tin bo him tng dn. y l sn phm bo him hn hp c s tin bo him tng dn (tng 7% mi nm so vi s tin bo him nm lin trc), cung cp quyn li bo him t vong, quyn li thng tt ton b vnh vin, quyn li duy tr hp ng v quyn li o hn hp ng. Sn phm ny l sn phm u tin thuc nghip v bo him hn hp ca Cng ty Vietinbank Aviva.

Khai trng Vn phng Tng i l ti Chu c Ngy 01/02/2012 va qua, Cng ty AIA Vit Nam chnh thc khai trng Vn phng Tng i l ti Chu c, tnh An Giang. Vic ra i ca vn phng ny nm trong nh hng m rng hot ng kinh doanh v ci thin cht lng phc v khch hng ca Cng ty. Cng trong bui l khai trng ny, AIA Vit Nam kt hp vi bo An Giang trao dng c th dc th thao tr gi 30 triu ng cho cc trng ti a phng nhm gip cc em hc sinh tham gia nhiu hn cc hot ng th thao mi ngy khe hn v hc tt hn. Thay i a im t vn phng i din ti Tin Giang Ngy 12/3/2012, B Ti chnh c Cng vn s 3216/BTC-QLBH chp thun cho AIA thay i

Ngy 6/3/2012, B Ti chnh c Cng vn s 2959/BTC-QLBH chp thun cho Generali thay i chi nhnh ti H Ni nh sau: a ch c: Thp H Ni, 49 Hai B Trng, Hon Kim, H Ni. a ch mi: To nh Kinh , 292 Ty Sn, ng a, H Ni.

Generali

Dai-ichi

Ngy 21/3/2012, B Ti chnh c Cng vn s 3783/BTC-QLBH chp thun cho Dai-ichi thay i a im t vn phng i din ti Bnh Phc nh sau: a ch c: L A23 Hng Vng, phng Tn Bnh, th x ng Xoi, tnh Bnh Phc a ch mi: 694 Quc l 14, phng Tn Ph, th x ng Xoi, tnh Bnh Phc.
Bn tin th trng bo him ton cu

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bo him quc t

Chu : Ti sn cc ngnh cng nghip ang c bo him di gi tr

Theo bo co mi y ca Marsh v Cng ty nh gi ti sn John Foord, ti sn ca cc cng ty thuc lnh vc Bu chnh - vin thng, Nng lng v Ho du ti chu bo him di gi tr khong 3060%. Trong s , nhiu cng ty cha tnh n bin ng v gi hng ho, chi ph nguyn vt liu v nhn cng, dn n vic bo him cha ng vi gi tr ton b ti sn.

Bo co cng cho bit, cc cng ty c th tnh gi tr ti sn da vo ng k ti sn cha cp nht, p dng ch s tnh lm pht n gin, phn nh khng chnh xc gi tr thc ca ti sn. ng Jason Wells, Gim c iu hnh ca Marsh chu cho bit: Theo kinh nghim ca chng ti, bo him di gi tr ti sn ang lan rng ti cc nc pht trin hn. Trn lt nm ngoi ti Thi Lan cho thy tnh nghim trng ca vn ny. ng cho bit thm, cc cng ty thng ch tnh tng s tin c bo him ch cha tnh n chi ph thay th khi h yu cu bi thng. Chng

ti khuyn co cc cng ty nn nh gi ti sn nh k kim tra sc khe, t nht l 2-3 nm mt ln cc khon tin bo him c th tnh chnh xc v y . Marsh v John Foord nh gi da trn gn 100 gi tr ti sn trong cc cng ty thuc ngnh Vin thng, Nng lng, Ha du v so snh gi tr thay th thc vi s tin c bo him. ng Graham Copland, Gim c iu hnh John Foord cho bit: Nhng pht hin cho thy trung bnh s tin bo him tnh di gi tr khong 30%, mt s trng hp ln n 60%.

Khi ng bnh chn gii thng bo him Chu ln th 16

Gii thng bo him Chu ln th 16 c khi ng v bt u nhn c cho tt c cc hng mc. Hn cui cng nhn cc c ny l 31/5/2012 v vic chm gii s c t chc vo ngy 29/8/2012. L tng kt trao gii s c t chc vo ngy 28/10/2012 kt hp vi Hi ngh bo him ng Nam ti Kuala Lumpur. Hi ng gim kho gm 28 nh lnh o, chuyn gia v nh qun l bo him trong khu vc v trn

th gii. Mt chuyn gia t vn c lp ca KPMG s gim st qu trnh chm gii. Vic chm gii s din ra hai vng: Vng loi s chm im da trn nhng bi vit ng k ca cc ng vin, t , ban gim kho chn ra 3 ng c vin ca mi hng mc vo vng chung kt. Ti vng chung kt, ban gim kho s phng vn trc tip cc ng vin. y cng l ln th hai Ban gim kho t chc chm gii bng hnh thc phng vn trc tip gia cc gim kho v cc ng vin. Thi gian hot ng c c bnh chn trao gii l t 1/4/2011 n 31/3/2012.

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n : Ngy cng nhiu Lut s mua bo him trch nhim ngh nghip
Theo bo co ca Press Trust, trong mt vi nm gn y, cc Cng ty ln v lut ti n bt u mua bo him trch nhim ngh nghip vi gi tr khong 10 triu USD. S tin bo him thng nm trong khong 5% -25% doanh thu ca cc cng ty lut. ng Akshay Chudasama, thnh vin Ban iu hnh ca Sagar Associate cho bit s kin bc ngot l Satyam, Cng ty PricewaterhouseCoopers phi i mt vi trch nhim ngh nghip trong v x cng an k ton ti Cng ty dch v my tnh Satyam vo u nm 2009, t cc cng ty nc ngoi bt u suy ngh v vn ny. Theo ng, ch mi 6 nm trc y, loi sn phm bo

him ny c xem nh l yu t loi tr hng u ca khch hng khi hi cc cng ty lut n v bo him trch nhim ngh nghip. ng Chudasama cho bit thm: Thng thng Th cam kt ca hu ht cc cng ty u c cc iu khon, nhng cc iu khon ny rt hn ch v trch nhim s sut ngh nghip lin quan n ph (cng ty nhn c), v vy khch hng thng cha lu nhng iu khon ny v tp trung nhiu hn v s tin bo him. ng Gaurav D Garg, CEO v Gim c iu hnh ca Tata AIG khng nh mi quan tm n bo him trch nhim bo v lut s do hnh vi s sut, sai v thiu st trong vic thc hin cc dch v ngh nghip ngy cng tng. Phm vi bo him khong t 2,5 triu Rupi n n 500 triu Rupi n , ty vo loi hnh v m hnh hot ng.

n : C quan qun l tng mc min thng bo him t

C quan Qun l n (IRDA) tng mc min thng bo him t. Mc min thng mi ny c hiu lc t ngy 1/4/2012 sau 10 nm khng thay i. T Tin tc v Phn tch hng ngy a tin, cc cng ty bo him t khng phn i vic tng mc min thng c khu tr ny sau khi tng mc ph bo him trch nhim dn s (cng c hiu lc t ngy 1/4/2012). ng Amarnath Ananthanarayanan, Gim c qun l v CEO ca Cng ty bo him Bharti Axa General, ni y l bc i ng nh hng. S thay i ny gip cho cc cng ty bo him t c th qun l c tn tht xy ra. Vic xem xt mc min thng c khu tr s lm cho ch hp ng c trch nhim v cn thn hn. ng KG Krishnamoorthy Rao, Gim c qun l v CEO ca cng ty Future Generali n , ni Vic ny s gip chng ta gim t l khiu ni 1%2%. Vic thay i ny s khin cho cc khch hng tm ngng nhng khiu ni vi s tin nh, nh th chi ph giao dch cng gim.
Bn tin th trng bo him ton cu

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Thi Lan: Th tc hnh chnh lm chm vic gii quyt bi thng l lt

Cc cng ty Nht Bn ang hot ng ti Thi Lan gp kh khn khi nhn tin bi thng bo him do trn l lt nm ngoi vi l do cc cng ty bo him v ngn hng ang phi thc hin qu nhiu cc th tc hnh chnh. Theo bo The Nation, B trng B Cng nghip Thi Lan, ng Pongsvas Svasti cho bit, hin ti hn 100 t Bath ( 3.25 t la M) ang nm trong ngn hng ch c lm th tc chi tr bi thng. Hng chc nghn doanh nghip va v nh lin doanh vi

838 cng ty thuc khu cng nghip, b nh hng l lt, ang yu cu bi thng bo him. B Kobkarn Wattanavrangkul, Ch tch Hip hi Thi Lan - Nht Bn cho bit, nhiu cng ty nh hng l lt khng th phc hi hot ng nh d kin v h gp kh khn mi v nhn lc v vn ang i nhn tin bi thng bo him. Qua s kin ny, nhiu i tc thng mi bt u yu cu cc cng ty phi mua bo him nhiu hn ngn nga tnh trng gin on kinh doanh. ng Pongsvas cam kt vi Cng ng Nht Bn l Chnh ph s thc hin cc bin php c th ngn nga t nht 50% ri ro l lt trong nm nay. ng khng nh vi cc nh u t Nht Bn rng,

Chnh ph s tip tc bo v cc khu cng nghip v cung cp nhiu u i thc y u t. Tuy nhin, ng Minoru Sato, ch tch v CEO ca Yusen Logistic (Thi Lan) cho bit, l trnh thc hin cc bin php phng chng l lt vn cha r rng, trong khi thm ho thin nhin vn c th xy ra. Theo t Kinh t Nht Bn, B trng Thng mi v Cng nghip, ng Yukio Edano cho bit, cc nh u t Nht Bn ang theo di st sao vn bo him khi nghin cu u t vo Thi Lan. Thi Lan thnh lp qu bo him do Nh nc ti tr tr gi 50 t Bath bo him l lt, nhng khu vc t nhn Nht Bn vn mong mun Chnh ph Thi Lan tng ngn sch thm cho qu ny.

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xtrylia: Cc qu hu tr cnh tranh vi sn phm bo him bo v thu nhp

Hin nay, ngy cng nhiu qu hu tr a ra chng trnh bo him bo v thu nhp a dng ha sn phm ca mnh v cc thnh vin ca qu c th c u i nhiu hn so vi vic mua l nhng sn phm ny nh ph bo him thp hn v ph hp hn. Trang web InvestorDaily trch dn pht biu ca ng Sean Williamson, Trng phng Gii php khch hng ti Cng ty bo him nhn th TAL cho bit bo him bo v thu nhp cng s to ra mt xu hng mi, a dng hn so vi bo him nhn th. Gim c qu hu tr CommInsure, Frank Crapis cho bit: Cc qu hu tr c th a dng ha sn phm bng cch a ra thi hn bo him v thi gian ch di ngn khc nhau. Hin nay, mt xu hng khc ang ngy cng pht trin l hnh thc mua bo him theo nhm, hnh thc ny trc y khng c i vi sn phm bo him bo v thu nhp. Nhng g m chng ta ang thy l cc qu ang tm cch xa b cc hn ch tt c cc thnh vin u c th mua c bo him bo v thu nhp, k c cc nhn vin hp

ng hoc nhn vin bnh thng. Nhn chung, cc qu ln a lnh vc u ang c gng thc y pht trin sn phm ny, ng Williamson cho bit. Thm vo , mc ph ca sn phm bo him bo v thu nhp c bn theo nhm thp hn bn l cho tng c nhn. C th thy mua sn phm bo him bo v thu nhp theo nhm c li v ph bin hn bi tit kim c chi ph hnh chnh cho cc DNBH khi bn theo nhm cho nhiu ngi, b Megan Beer, Trng phng bo him nhm Cng ty MLC cho bit.

i Loan: C quan qun l ni lng quy nh v u t nc ngoi cho cc doanh nghip bo him
U ban gim st ti chnh (FSC) cng b cc cng ty bo him c t l vn da trn ri ro (RBC) ln hn 200% c th mua cc hp ng bo him bng ng ngoi t, phn mua ny khng tnh vo gi tr c php u t ra nc ngoi ca h. Theo T Kinh t i Loan, d kin quy nh ny s c hiu lc

vo qu 2 nm 2012, v c th cho php ngnh bo him c thm gi tr c php u t ra nc ngoi l 300 t i t (10,2 t la M). FSC cng gim t l yu cu RBC t 250% xung cn 200% cho cc cng ty bo him u t vo chng khon Trung Quc lc a, bao gm c phiu v tri phiu. S d, t l RBC ca mt s cng ty bo him gim xung di mc 250% l do s suy gim ca th trng c phiu trc khng hong n ca khu vc chu u na cui nm ngoi. 7 cng ty bo him nhn th i Loan t mc QFII (cc nh u t nc ngoi c t chc tiu

chun) theo tiu chun ca U ban Gim st chng khon Trung Quc c u t vo chng khon Trung Quc lc a. Cc cng ty bo him l Shinkong, China Life, Taiwan life, Mercuries, Global, Cathay v Fubon. Trong cc bin php qun l u t nc ngoi ca cc cng ty bo him, FSC quy nh cc cng ty bo him c th u t t 40% n 60% vn ch s hu, u t vo tri phiu xp hng BBB+. Vic ni lng ny s cho php cc cng ty bo him c thm hn ngch u t vi gi tr khong 100 t i t (3 t la M).
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GIM ST CC TP ON TI CHNH C KINH DOANH BO HIM

K 5: Thc tin gim st hot ng ca cc tp on, doanh nghip cung cp cc dch v ti chnh c kinh doanh bo him ti Vit Nam
Vic qun l, gim st hot ng ca cc tp on, doanh nghip cung cp cc dch v ti chnh c kinh doanh bo him ti Vit Nam c thc hin theo m hnh phn tn v gim st theo khu vc ring bit, c th hin thng qua h thng qun l nh nc v thc tin gim st, c th nh sau: 18
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V qun l nh nc:

V qun l nh nc hot ng ca cc ngn hng l Ngy 2/12/1997, Lut Ngn hng Nh nc Vit Nam v Lut Cc t chc tn dng c Quc hi kha X chnh thc thng qua. Cc lut ny c sa i, b sung vo thng 6 nm 2010 (c hiu lc thi hnh t ngy 01/01/2011). Theo , Ngn hng Nh nc Vit Nam l c quan ngang b ca Chnh ph, l Ngn hng trung ng ca nc Cng ha X hi Ch ngha Vit Nam. Ngn hng Nh nc thc hin chc nng qun l nh nc v tin t, hot ng ngn hng v ngoi hi; c chc nng kim tra, thanh tra, gim st hot ng ca cc ngn hng. Trn c s quy nh ca Lut Ngn hng Nh nc Vit Nam,

Chnh ph ban hnh Ngh nh quy nh c th chc nng, nhim v, quyn hn v c cu t chc ca Ngn hng Nh nc Vit Nam. Hin nay, chc nng, nhim v, quyn hn v c cu t chc ca Ngn hng Nh nc Vit Nam thc hin theo Ngh nh s 96/2008/ N-CP ngy 26/8/2008 ca Chnh ph. V c cu t chc, theo Ngh nh 96/2008/N-CP, Ngn hng Nh nc c 24 n v trc thuc, trong 19 n v gip Thng c Ngn hng Nh nc thc hin chc nng qun l nh nc v chc nng Ngn hng trung ng, 5 n v l t chc s nghip. Trong , C quan thanh tra, gim st ngn hng l C quan trc thuc NHNN thc hin chc nng thanh tra hnh chnh, thanh tra chuyn ngnh v gim st chuyn

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ngnh v ngn hng trong cc lnh vc thuc phm vi qun l Nh nc ca NHNN; tham mu, gip Thng c NHNN qun l Nh nc i vi cc t chc tn dng, t chc ti chnh quy m nh, hot ng ngn hng ca cc t chc khc; thc hin phng, chng ra tin theo quy nh ca php lut. Theo quy nh ti iu 56 ca Lut Ngn hng Nh nc, Ngn hng Nh nc thc hin vic gim st ngn hng i vi mi hot ng ca t chc tn dng, chi nhnh ngn hng nc ngoi. Trong trng hp cn thit, Ngn hng Nh nc yu cu c quan nh nc c thm quyn gim st hoc phi hp gim st cng ty con, cng ty lin kt ca t chc tn dng. Theo quy nh ti iu 60 th Ngn hng Nh nc phi hp vi b, c quan ngang b c lin quan trao i thng tin v hot ng thanh tra, gim st trong lnh vc ti chnh, ngn hng thuc thm quyn qun l. Ngn hng Nh nc ch tr, phi hp vi c quan nh nc c thm quyn thanh tra, gim st t chc tn dng; phi hp vi c quan nh nc c thm quyn thanh tra, gim st cng ty con, cng ty lin kt ca t chc tn dng theo quy nh ti iu 52 v iu 56 ca Lut ny. Nh vy, theo Lut Ngn hng nh nc th Ngn hng Nh nc c th phi hp vi c quan nh nc c thm quyn thanh tra, gim st cng ty con, cng ty lin kt ca t chc tn dng , bao gm c cc doanh nghip bo him. Hng dn Lut Ngn hng Nh nc l cc vn bn c bn di y: l Ngh nh s 59/2009/NCP ngy 16/7/2009 ca Chnh ph v t chc v hot ng ca Ngn hng thng mi; l Ngh nh s 202/2004/NCP ngy 10/12/2004 ca Chnh ph quy nh v x pht vi phm hnh chnh trong lnh vc tin t v hot ng ngn hng v Thng t s 01/2005/TT-NHNN ngy 10/3/2005 hng dn thi hnh Ngh nh s 202/2004/N-CP; l Ngh nh s 91/1999/NCP ngy 4/9/1999 ca Chnh ph v t chc hot ng ca thanh tra ngn hng; l Thng t s 08/2010/TTNHNN ngy 22/3/2010 quy nh v vic kim sot c bit i vi t chc tn dng; l Quyt nh s 147/QNHNN ngy 14/7/2009 quy nh chc nng, nhim v, quyn hn v c cu t chc ca V Thanh tra cc t chc tn dng trong nc; l Quyt nh s 34/2008/QNHNN ngy 5/12/2008 v sa i, b sung mt s iu ca Quy nh v cc t l bo m an ton trong hot ng ca t chc tn dng ban hnh km theo Quyt nh s 457/2005/ Q-NHNN ngy 19/4/2005 ca Thng c Ngn hng Nh nc; l Ch th s 03/2008/CTNHNN ngy 22/4/2008 v vic tng cng cng tc thanh tra, gim st ca Ngn hng Nh nc; l Quyt nh s 1756/2004/ Q-NHNN ngy 23/12/2004 v vic ban hnh Quy ch t chc v hot ng ca Thanh tra Ngn hng. V qun l nh nc cc DNBH Ngy 9/12/2000, Lut Kinh doanh bo him c Quc hi thng qua v c hiu lc t ngy 1/4/2001. Ngy 24/11/2010, Quc hi thng qua Lut sa i, b sung mt s iu ca Lut Kinh doanh bo him. Theo iu 120 Lut Kinh doanh bo him, Chnh ph thng nht qun l nh nc v kinh doanh bo him, B Ti chnh chu trch nhim trc Chnh ph thc hin qun l nh nc v kinh doanh bo him. Theo , B Ti chnh ( y l Cc Qun l, gim st bo him) chu trch nhim qun l, gim st, thanh tra, kim tra hot ng kinh doanh bo him, bao gm cc doanh nghip bo him, doanh nghip mi gii bo him. Trong , gim st hot ng kinh doanh bo him thng qua hot ng nghip v, tnh hnh ti chnh, qun tr doanh nghip, qun tr ri ro v vic chp hnh php lut ca doanh nghip bo him, doanh nghip mi gii bo him; p dng cc bin php cn thit doanh nghip bo him bo m cc yu cu v ti chnh v thc hin nhng cam kt vi bn mua bo him. Ngoi ra, cng theo Lut Kinh doanh bo him, cc b, c quan ngang b, c quan thuc Chnh ph trong phm vi nhim v, quyn hn ca mnh c trch nhim qun l nh nc v kinh doanh bo him theo quy nh ca php lut. Chnh ph ban hnh Ngh nh s 118/2008/ND-CP ngy 27/11/2008 quy nh chc nng, nhim v v quyn hn ca B Ti chnh, trong Cc Qun l, gim st bo him thc hin chc nng qun l nh nc hot ng kinh doanh bo him. Trn c s , ngy 12/2/2009, B Ti chnh ban hnh Quyt nh s 288/2009/ Q-BTC Quy nh chc nng, nhim v, quyn hn v c cu t chc ca Cc Qun l, gim st bo him. Theo , Cc Qun l, gim st bo him l n v thuc b my qun l nh nc ca B Ti chnh, c chc nng gip B trng B Ti chnh thc hin qun l nh nc i vi lnh vc kinh doanh bo him trong phm vi c nc; trc tip qun l, gim st hot ng kinh doanh bo him v cc hot ng dch v thuc lnh vc kinh doanh bo him theo quy nh ca php lut. B phn trc tip gim st cc DNBH bao gm Phng Qun l, gim st bo him phi nhn th v Phng Qun l, gim st bo him nhn th. Tham gia thanh tra cc
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DNBH bao gm 2 phng trn cng vi Thanh tra Bo him, mt n v thuc Cc Qun l, gim st bo him. Hng dn Lut Kinh doanh bo him l cc vn bn c bn di y: l Quyt nh s 175/2003/ Q-TTg ca Th tng Chnh ph v vic ph duyt Chin lc Pht trin TTBH Vit Nam t nm 2003 n nm 2010; l Ngh nh s 18/2005/NCP quy nh vic thnh lp, t chc v hot ng ca t chc bo him tng h; l Ngh nh s 125/2005/NCP quy nh ch BHBBTNDS ca ngi kinh doanh vn ti hnh khch, hng ho d chy v d n trn ng thu ni a. l Ngh nh s 45/2007/N-CP ngy 27/3/2007 ca Chnh ph quy nh chi tit thi hnh mt s iu ca Lut Kinh doanh bo him; l Ngh nh s 46/2007/NCP ngy 27/3/2007 ca Chnh ph quy nh ch ti chnh i vi doanh nghip bo him v doanh nghip mi gii bo him; l Ngh nh s 41/2009/NCP ngy 5/5/2009 ca Chnh ph v x pht vi phm hnh chnh trong lnh vc kinh doanh bo him; l Quyt nh s 153/2003/QBTC ca B Ti chnh ban hnh h thng ch tiu gim st DNBH; l Quyt nh s 4056/Q-BTC ngy 13/12/2006 ca B trng B Ti chnh ban hnh k hoch pht trin th trng bo him Vit Nam 2006-2010; l Thng t s 52/2005/TTBTC hng dn thi hnh Ngh nh s 18/2005/N-CP quy nh vic thnh lp, t chc v hot ng ca t chc bo him tng h; l Thng t s 155/2007/TTBTC ngy 20/12/2007 hng dn Ngh nh s 45/2007/N-CP; l Thng t s 156/2007/TTBTC ngy 20/12/2007 hng dn

Ngh nh s 46/2007/N-CP; l Thng t s 86/2009/TT-BTC ngy 28/4/2009 sa i b sung mt s im ca Thng t s 155/2007/ TT-BTC v Thng t s 156/2007/ TT-BTC. l Thng t s 03/2010/TTBTC ngy 12/01/2010 hng dn thi hnh Ngh nh s 41/2009/ N-CP. V c bn, cc vn bn quy phm php lut nu trn iu chnh tng i ton din cc vn php l v hot ng kinh doanh bo him, kh ph hp vi thc tin v c tc dng to hnh lang php l thc y th trng bo him pht trin. Cc vn bn ny u quy nh r doanh nghip c lm g, c quan qun l c trch nhim g trong tt c cc vn nh: cp php thnh lp doanh nghip, quyn v ngha v ca doanh nghip, thanh tra, kim tra doanh nghip v.v... V

vy, cc nh u t c nng lc v iu kin s c cp php, cc doanh nghip c ch ng trong hot ng kinh doanh, khng phi xin cho v khng b can thip hnh chnh; vic thanh tra, kim tra doanh nghip phi p ng nhng nguyn tc nht nh. Nhn chung, Lut KDBH v cc vn bn hng dn thi hnh c tnh php l cao, to c s duy tr trt t, k cng, ngn nga nhng hnh vi trc li, c lm tri cc quy nh php lut; u tranh phng, chng tht thot, tham nhng, tiu cc trong lnh vc bo him nh hng n quyn v li ch chnh ng ca ngi tham gia bo him; ng thi duy tr mi trng cnh tranh lnh mnh, bnh ng gia cc doanh nghip bo him, mi gii bo him, bo m cc quy nh ca php lut v kinh doanh bo him c thc hin nghim tc.

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Cc quy nh php l ng b buc cc DNBH phi hot ng theo nguyn tc th trng v minh bch hn; to ra nhng DNBH c quy m ln, ti chnh lnh mnh v kinh doanh hiu qu; cung cp nhiu sn phm bo him, bao gm c sn phm bo him nhn th, sn phm bo him phi nhn th hp dn, vi cht lng dch v tt p ng nhu cu x hi; thu ht u t, to iu kin thu ht cc lung vn ngoi nc. Bn cnh , cng nh c mi trng u t thun li nn thu ht thm u t trong lnh vc bo him, s lng doanh nghip cng tng ln nhanh chng. l Nng lc qun l nh nc v kinh doanh bo him c nng cao. Phng thc qun l c thc hin theo hng hn ch s can thip hnh chnh vo hot ng ca doanh nghip, tng quyn t ch v trch nhim ca doanh nghip trong vic thc thi php lut. Cng tc qun l, gim st da trn cc ch tiu ti chnh khch quan, trong ch trng kh nng thanh ton ca doanh nghip bo him v duy tr mi trng cnh tranh lnh mnh. Tuy nhin, cc vn bn nu trn li cha cp n vic qun l, gim st, thanh tra, kim tra cc cng ty con, cng ty lin kt ca cc doanh nghip bo him hoc phi hp thanh tra, gim st hay thu thp thng tin lin quan n tp on, cng ty m ca cc doanh nghip bo him hot ng ti Vit Nam. V qun l nh nc hot ng chng khon Lut Chng khon c Quc hi kha XI, k hp th 9 thng qua ngy 29 thng 6 nm 2006 v c hiu lc thi hnh k t ngy 01 thng 01 nm 2007. Lut ny c sa i, b sung vo thng 11 nm 2010 (chnh thc c hiu lc vo thng 7 nm 2011). Theo quy nh ti iu 7 Lut Chng khon, Chnh ph thng nht qun l nh nc v chng khon v th trng chng khon, B Ti chnh chu trch nhim trc Chnh ph thc hin qun l nh nc v chng khon v th trng chng khon v c cc nhim v, quyn hn, bao gm: Trnh Chnh ph, Th tng Chnh ph ban hnh chin lc, quy hoch, chnh sch pht trin th trng chng khon; Trnh cp c thm quyn ban hnh hoc ban hnh theo thm quyn cc vn bn quy phm php lut v chng khon v th trng chng khon; Ch o U ban Chng khon Nh nc thc hin chin lc, quy hoch, chnh sch pht trin th trng chng khon v cc chnh sch, ch qun l v gim st hot ng v chng khon v th trng chng khon. Cng ti iu 7 Lut Chng khon, cc b, c quan ngang b trong phm vi nhim v, quyn hn ca mnh c trch nhim phi hp vi B Ti chnh thc hin qun l nh nc v chng khon v th trng chng khon. y ban nhn dn cc cp trong phm vi nhim v, quyn hn ca mnh c trch nhim thc hin qun l nh nc v chng khon v th trng chng khon ti a phng. Theo iu 8 Lut chng khon, y ban chng khon Nh nc l c quan thuc B Ti chnh, c cc nhim v, quyn hn c bn bao gm: a) Cp, gia hn, thu hi giy php, giy chng nhn lin quan n hot ng chng khon v th trng chng khon; chp thun nhng thay i lin quan n hot ng chng khon v th trng chng khon; b) Qun l, gim st hot ng ca S giao dch chng khon, Trung tm lu k chng khon v cc t chc ph tr; tm nh ch hot ng giao dch, hot ng lu k ca S giao dch chng khon, Trung tm lu k chng khon trong trng hp c du hiu nh hng n quyn v li ch hp php ca nh u t; c) Thanh tra, gim st, x pht vi phm hnh chnh v gii quyt khiu ni, t co trong hot ng chng khon v th trng chng khon; d) Thc hin thng k, d bo v hot ng chng khon v th trng chng khon; hin i ho cng ngh thng tin trong lnh vc chng khon v th trng chng khon; Gip vic U ban chng khon gm c 13 n v l t chc hnh chnh v 2 n v s nghip, trong c cc v chc nng nh: V Php ch, V Pht trin th trng chng khon, V Qun l pht hnh chng khon, V Qun l kinh doanh chng khon, V Qun l cc cng ty qun l qu v Qu u t chng khon, V Gim st th trng chng khon. Hng dn Lut Chng khon, Chnh ph ban hnh khong 8 Ngh nh, B Ti chnh ban hnh gn 30 Thng t; Chnh ph, B Ti chnh v U ban chng khon ban hnh khong 93 Quyt nh iu chnh hot ng ca th trng. Nh vy, c th cho thy cc vn bn iu chnh hot ng chng khon tng i y , tng cng vai tr qun l nh nc i vi TTCK nhm bo v quyn v li ch hp php ca nh u t v cc t chc tham gia th trng; to c s php lut gim st, cng ch thc thi, bo m cc doanh nghip tham gia trn th trng phi hot ng cng khai, minh bch, t gp phn lm minh bch ho nn kinh t; ng thi to lp cc quy nh ph hp vi lut php, thng l quc t. Tuy nhin, cc vn bn nu trn li cha cp n vic phi hp thanh tra, gim st hay thu thp thng tin lin quan n cc cng ty kinh doanh chng khon thuc cc tp on, doanh nghip bo him hot ng ti Vit Nam.
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gii p v bo him
ng Nguyn Vn A l ch xe t mang bin kim sot 49X-7480 tham gia bo him bt buc TNDS ca ch xe c gii ti Cng ty Bo him X theo Giy chng nhn bo him s 0201014 c hiu lc t ngy 07/3/2011 n ngy 07/3/2012. Vo khong 20 gi ngy 04/9/2011, xe t mang bin kim sot 49X-7480 do li xe Nguyn Vn B iu khin lu thng trn ng 3/4 P.3 Thnh ph Lt, theo hng t trung tm Thnh ph Lt o Prenn (Nguyn Vn B c Giy php li xe t p ng iu kin quy nh). Khi n ng ba ng Thi Thn vi ng , ng Nguyn Vn B m n xi nhan pha bn tri, gim tc v iu khin cho xe chuyn hng r tri i vo ng ng Thi Thn. Cng lc ny, xe m t mang bin s 49T3-9299 do Nguyn Vn C iu khin (Nguyn Vn C khng c giy php li xe m t theo quy nh) t pha sau cng chiu chy ti tng vo cnh ca pha sau ui bn phi xe t mang bin kim sot 49X-7480. Hu qu Nguyn Vn C b cht sau 1 ngy iu tr ti bnh vin. Theo Bn Kt lun iu tra ca Cng an, nguyn nhn xy ra v tai nn l do Nguyn Vn C iu khin xe m t khng c Giy php li xe, khng ch quan st khi xe pha trc c tn hiu r tri nn gy tai nn giao thng hu qu cht ngi. Sau khi xy ra tai nn, ng Nguyn Vn A gi thng bo tai nn v yu cu bi thng thit hi v ngi ti Cng ty bo him X. Ngay khi nhn c h s yu cu bi thng ca ng A, cn c quy nh ti tit a, im 8.3, khon 8 Mc II Thng t 126/2008/TT-BTC: Trng hp nhiu xe c gii gy tai nn dn n cc thit hi v ngi, mc bi thng c xc nh theo mc li ca ch xe c gii nhng tng mc bi thng khng vt qu mc trch nhim bo him v kt lun iu tra ca Cng an, Cng ty bo him X xc nh xe t mang bin kim sot 49X-7480 do li xe Nguyn Vn B iu khin khng c li v khng bi thng bo him bt buc TNDS ca ch xe c gii trong trng hp ny. Vy vic x l ca Cng ty bo him X vi ng A c ng quy nh php lut v bo him bt buc TNDS ca ch xe c gii khng? Trng hp xe m t bin s 49T-9299 do Nguyn Vn C iu khin m vo xe t 49X7480 khng c coi l trng hp nhiu xe c gii cng gy tai nn dn n cc thit hi v ngi quy nh ti tit a, im 8.3, khon 8 Mc II Thng t 126/2008/TT-BTC: Trng hp nhiu xe c gii gy tai nn dn n cc thit hi v ngi, mc bi thng c xc nh theo mc li ca ch xe c gii nhng tng mc bi thng khng vt qu mc trch nhim bo him. V trong trng hp ny, thit hi v thn th, tnh mng ca Nguyn Vn C c coi l thit hi ca bn th ba do xe c gii (xe t 49X-7480) gy ra. Theo quy nh ti im a, khon 3, iu 14 Ngh nh 103/2008/N-CP: a) Mc bi thng bo him v ngi: c xc nh da trn Bng quy nh tr tin bi thng thit hi v ngi theo quy nh ca B Ti chnh, i vi thit hi v ngi: gii quyt bi thng khng phn

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Bn tin th trng bo him ton cu

gii p v bo him
bit theo mc li ca ch xe c gii; mc bi thng c xc nh da trn Bng quy nh tr tin bi thng thit hi v ngi theo quy nh ca B Ti chnh. Do vy, Cng ty bo him X khng bi thng bo him bt buc trch nhim dn s ca ch xe c gii i vi thit hi v ngi (ng Nguyn Vn C) do xe t mang bin kim sot 49X-7480 gy ra vi l do li xe Nguyn Vn B iu khin xe t mang bin kim sot 49X-7480 khng c li l cha ng quy nh php lut v bo him bt buc TNDS ca ch xe c gii. B Nguyn Th A tham gia hp ng bo him nhn th hn hp thi hn 10 nm v hp ng bo him b tr t vong v thng tt ton b vnh vin do tai nn thi hn bng vi thi hn ca hp ng chnh ti DNBH X. C 2 hp ng ny c hiu lc vo ngy 10/3/2008 v b A va l bn mua bo him, ng thi l ngi c bo him ca c 2 hp ng. B A ch nh chng b l ng Trn Vn B l ngi th hng ca 2 hp ng. Ti thi im tham gia bo him, b A cam kt c tnh trng sc kho tt. Ngy 14/2/2012, trong lc ang lm vic trang tri c ph ca gia nh, b A khng may b ng, dn n b lit na ngi. Ngy 22/3/2012, ng B vi t cch l ngi th hng quyn li bo him gi h s yu cu gii quyt quyn li bo him ti DNBH X. Km theo n yu cu, ng B cng gi ton b cc giy t bnh n lin quan n qu trnh iu tr ca b A. Theo bnh n c ch k xc nhn ca bc s iu tr v du ca bnh vin ni b A iu tr, b A b lit na ngi, nguyn nhn do t qu. Ngy 29/3/2012, cn c trn cc ti liu do ng B gi, DNBH X c th gi ng B t chi gii quyt quyn li bo him cho s kin b thng tt, lit na ngi ca b A. L do DNBH X a ra l do thng tt ca b A khng p ng quy nh v thng tt ti quy tc, iu khon sn phm bo him b tr t vong v thng tt ton b vnh vin do tai nn, thng tt ca b A khng phi xut pht t nguyn nhn tai nn m l do c bnh nn b t qu. ng B v gia nh khng ng vi cch gii quyt ca DNBH X v lm n gi n cc c quan chc nng khiu ni. ng B cho rng DNBH X la o khch hng khi bn sn phm bo him cho thng tt ton b vnh vin, nhng khi khch hng b thng tt th li khng bo him. Trng hp ny DNBH X c ph hp? Bit theo nh ngha ti quy tc, iu khon sn phm b tr th Tai nn l mt s kin bt ng, khng lng trc c v do mt lc bt ng t bn ngoi gy nn. Cn c theo nh ngha v tai nn ti quy tc, iu khon sn phm bo him b tr t vong v thng tt ton b vnh vin do tai nn th ri ro dn n thng tt ca b A phi xut pht t nguyn nhn do tai nn. Do , trng hp ny nu DNBH X kim tra h s v c bng chng xc nh b A b t qu l do bnh c sn th vic DNBH X t chi chi tr quyn li bo him l ph hp vi thit k ca sn phm (ch bo him cho nhng ri ro do tai nn bao gm cc tai nn lao ng v tai nn sinh hot). Tuy nhin, trng hp trn, DNBH X mi ch cn c trn bnh n ca b A vi kt lun b lit na ngi, nguyn nhn do t qu m cha tin hnh iu tra, thu thp thm bng chng chng minh nguyn nhn t qu l cha thuyt phc. trnh xy ra nhng tnh hung nh trn, khch hng khi tham gia bo him phi c r quy tc, iu khon ca sn phm. DNBH phi c trch nhim gii thiu, marketing sn phm ng vi bn cht thit k ca sn phm, trnh vic khch hng khng hiu ht v sn phm mnh tham gia; ng thi khi t chi (hoc chp nhn) gii quyt quyn li bo him phi c cn c trn cc bng chng xc thc, r rng, minh bch.
Bn tin th trng bo him ton cu

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