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'"4["9<6n,:?&"O4 !G6;'"s689',*8Q'45*<"^,X"D,:*"J,:*,
,!N'"s689'"!,*-*I"'='?U,6W*"t(*"$#,R,: h"9<6n,:?&"O4X='
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<"b?&"O4L07*h,?&"O4L<"b?&"O4Z
";4'='6h$I"&,?+0$,:=<GH,:'"$,:'"4f"9<6n,:?&
"O4'd,:/3,:"2< H689':(I@**"lIO$6n,:/3*XX

)*+,!- !,.!/0
)*+,1& !,.!/0
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Là một trong các nghiệp vụ BH tài sản, có đối *89,: là hàng hoá vận
chuyển, xép dỡ hàng bằng đ8A,: thuỷ, đ8Ang sắt, đ8A,: bộ và 68A,: hàng không
3AD'/
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68A,:0K*L68A,:?5 !68A,:"!,:I"J,:
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R@<G"!,:";(
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c"=**O,'='47%$(,"2%$7'*@
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a. "=,24
Là những nguy cơ xảy ra tổn thất do thiên tai, tai nạn bất ngờ của biển xảy
ra. Những tai nạn,những sự cố xảy ra một cách bất ngờ ngẫu nhiên ở trên biển.
"!,:"&/!,"D,:G*"U,*(L*(,3,?-*,:A*U,?O,:VN(
/!4"8"t,:"!,:";( !<"8S,:*2,'"$NU,'"C
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p"U,*()48(?WL?O,65,:ZC*U,?O,.
p("f('(?O,)6V4 ! Q*!$I"='L?P4K''3,L?P<"="NL'"=NZ.
p='*(,3,?-*,:AI"='
pu'='"2,*89,:'"b,"*PRW"5
H#<
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I"J,:?&"O4*,:4f*8A,:"9<X(:n4?$J,/#$L*P'"*"$L<"=?( VNL
'='"!," 0(/^4'7B'(,:8A*"(4:(?&"O4Z
p<"&?&"O4*"l6h$I2,U,:)'k,:f/!689'?&
"O4*,:*8A,:"9<6E'?2*./!,"D,:/3*>67 Q?&"O4"!,:
"&Xi;/!,"D,:6E'?2*L<""!,:"&,"8'"@,*(,"L6T,"'J,:L?3
/3,Z=',!N'"s689'?&"O4,@$';4$(U,:L4$(*"U4X"'"s4$(
?&"O4"!,:"&*"T,"D,:,!N?P/3*>X
pI"J,:689'?&"O4)'k,:f/!/3*>./!,"D,:

*"8A,:I"J,:689'?&"O4*,:4f*8A,:"9<X(:n4?$J,/#$L*P'"*"$L
<"=?( VNL'='"!," 0(/^4'7B'(,:8A*"(4:(Z
I*&'L/0M/ N
AB
a.Tæn thÊt
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(. bGHG*"U,*(:VN(:VN"8"t,:45*07*(,:*"@*?P*U,*!$*P:=
•X~}}{uLG6V4 ! Q*!$I"='/!4*"V,*!$"8"t,:<"&0F('"D("8
"t,:"@*•}X}}}{uX
?Xc"V,/3
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