QUY TRNH BI THNG BO HIM HNG

HA CA CNG TY BO HIM
16 Thng Hai, 2016 admin

Quy trnh bi thng bo him hng ha ca cng ty bo him

Quy trnh bi thng bo him hng ha ca cng ty bo him
Quy trnh bi thng bo him hng ha ca cng ty bo him Quy trnh bi
thng bo him hng ha ca cng ty bo him, Cc bc ca quy trnh bi
thng hng ha
Quy trnh bi thng bo him hng ha ca cng ty bo him
Quy trnh bi thng bo him hng ha ca cng ty bo him, Cc bc ca quy
trnh bi thng hng ha

Cc bc ca quy trnh bi thng hng ha:

Tip nhn h s khiu ni t khch hng

Kim tra tnh hp l ca h s

 Tnh ton bi thng

Trnh duyt (mt s trng hp phi lm t trnh bi thng thng mi)

Xc bo bi thng, thng bo bi thng

Thng bo bi thng

Thanh ton bi thng

i bi thng ngi th ba, x l ti sn b h hng

Mt s ni dung ca cng tc bi thng:

a. Nguyn tc bi thng:

STBH l gii hn ti a ca STBT. Tuy nhin cc khon tin sau (ngoi s

tin tn tht) cng c bi thng nh cc chi ph chi ra cu vt hng, chi
ph cu nn, ph gim nh, tin ng gp TTC d STBT vt qu STBH.

Bi thng bng tin khng bi thng bng hin vt. Thng thng np ph bo
him bng loi tin t no th bi thng s bng loi tin t .

Khi tr tin bi thng, ngi bo him s khu tr cc khon tin m ngi

c bo him i c ngi th ba.

b. Tnh ton bi thng:

Sau khi xc nh tn tht thuc phm vi trch nhim bi thng bo him, BTV s
da trn c s tn tht hoc c tnh, so snh STBH v GTBH xc nh ng
STBT.

Nguyn tc chung bi thng TTC

Ngi bo him bi thng cho ngi c bo him phn ng gp vo TTC

d hng c bo him theo iu kin no. Nu STBH thp hn gi tr phi ng
gp TTC, ngi bo him ch BT theo t l gia STBH v gi tr phi ng gp
TTC.

Khng bi thng trc tip cho ngi c bo him m thanh ton cho ngi
tnh ton TTC do hng tu ch nh.
 STBT ny c cng thm hay khu tr phn chnh lch gia s tin ng
gp v s tin phi ng gp TTC.

Nguyn tc chung bi thng TTR

i vi TTTB thc t: Bi thng ton b STBH.

i vi TTTB c tnh: Bi thng ton b STBH nu ngi c bo him t

b hng. Trng hp ngi c bo him khng t b hng hoc xin t b nhng
ngi bo him khng chp nhn, s bi thng theo mc tn tht thc t.

Vi TTBP: Bi thng s kin, s bao hng b thiu, mt hay gi tr trng lng

s hng ri b thiu, mt hoc bi thng theo mc gim gi tr thng mi ca
phn hng b tn tht.

Tn tht v chi ph: ngoi tn tht hng do nhng ri ro c bo him gy ra, c

mt s loi chi phi khi pht sinh c bi thng ( cp mc 1.2.3 Cc loi
chi ph). Ngoi ra, nu trong HBH c n nh mc min thng ca cng ty bo
him th khi tn tht xy ra, khi xc nh mc bi thng phi tnh n mc min
thng ny.

c. H s bi thng:

H s bi thng bao gm cc chng t chnh nh sau:

Th khiu ni i bi thng ca ngi c bo him

Bn chnh ca HBH/ n bo him v giy sa i b sung (nu c)

Bn chnh ca vn ti n v/ hoc Hp ng chuyn ch

Th d khng/ thng bo tn tht, Bin bn gim nh

Giy bin nhn ca ngi chuyn ch khi giao hng v phiu ghi trng lng ti
ni nhn hng cui cng.

Cc chng t giao nhn hng ca cng hoc ca c quan chc nng

Cng vn, th t trao i ca Ngi c bo him vi Ngi chuyn ch v cc

bn khc v trch nhim ca h i vi tn tht.
 Ha n/ bin lai v cc chi ph khc

Trng hp cc chng t trong h s khiu ni cha sc thuyt phc chng

minh tn tht th c th yu cu khch hng cung cp thm mt s chng t khc
nh: Hp ng mua bn, th tn dng, lc khai, nht k hng hi, phiu kim m,
giy chng nhn ng kim, cc bin lai ca c quan c lin quan..H s bi
thng phi c lu tr trong 10 nm.

DANH MC T VIT TT

1.XNK Xut nhp khu

2.HBH Hp ng bo him

3.BHPNT Bo him him phi nhn th

4.DNBH Doanh nghip bo him

5.TBH Ti bo him

6.LBH i l bo him

7.BHHH Bo him hng ha

8.KTV Khai thc vin

9.BTV Bi thng vin

10.GV gim nh vin

11.VKT n v khai thc

12.VG n v gim nh

13.TTBP Tn tht b phn

14.TTTB Tn tht ton b

15.TTC Tn tht chung

16.TTR Tn tht ring

17.GTBH Gi tr bo him

18.STBH S tin bo him

19.STBT S tin bi thng

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