bảo hiểm cháy và các rủi ro đặc biệt



Nhóm 5
Môn: Kinh tế BH
  
  !
"#$%& '()
 !"#$%
1591
1667
1684
Nhóm 5 – BH cháy
*+,-&./
01/&23
4&.&&15
6.&78,9
:
;+<&0=
,&15
&&2>7
Nhóm 5 – BH cháy
&'()$*+,- ./%0$1$-/
!23
4&56789:;<
Nhóm 5 – BH cháy
?%@&- ABC0D9%9EF;+GTrí Tín.
=>7?@AB7C#AD7C!E7CF!G7C
H&IJ7C9:;<


HI &J&&


J7KCL&%@&8=MN

OPQ9%>&!,,

K&%9RSLD&T&&UR

V9MUW&Q%=XNS&JSYX-&N=R

OPQN%Z&7[3>&!9&=+
Nhóm 5 – BH cháy
K7L787M7AN=AN7CO76PAQRPS9* TEU7CVPRP:D7
,WXX67C:<>C777CCY7TRPOC97CLZXJMP
RP:
,WXX67[7CP7C?7A>E7CRP9?U7C
\]RP^7<_U7CX;7L78O7C?7CE7CPU`YI57Ca
7A>&
H&IJ7C9:;<

Nhóm 5 – BH cháy
&b,c*d,e.- ./%0$1$-
/!23
4&!OAN7CVX?<:;<


>&\LNUST&4.&Y7D719%] ^&_7&7`+

a=P&.&bS1RW#%7  CL&4%+

$Cc=T&&1S9%U&d&%4%+


0-T&#SCc=#9=S&9c=&-N&3CL&+

#%@&9C414%SbDSAS]9S4@e
Nhóm 5 – BH cháy
0f<g7AB7ChANi77I59j7k=<g7AB7C
Nhóm 5 – BH cháy
V
b[&15&&
@9:
0d&&@%d8%71A
N%,$
:Q&.&@.b/&&J&&,$
71A&%94
:Xf&154
Nhóm 5 – BH cháy
H&AN:;<
Rủi ro đặc biệt
Rủi ro chính
Nhóm 5 – BH cháy
g!C&UU&#]+
gH>C#]-
h+
gb&5i-
,$bj&UW.
%k&%l%k&7
N
g0J[R  %@&+
g0J#1&%7\S
>L1PP] R

7K&+
 !"
Nhóm 5 – BH cháy
 !#$
l7W<h0J
l7W<hab91RW94>4%l&.&b&-
1RW7PR9%+
l7W<*hONKS7\>S>Nb.L1+
l7W<mh97Z
l7W<nh7&SY#]b%[=C#m# &91/b2&99%%T
6C877&9Y#]+
Nhóm 5 – BH cháy
l7W<,hO>bD%
l7W<h01/&%&&_b211/S&.&b1/%l715K
i1/1#%@&_
l7W<h@=bLR/7T&&&@&UW.&&_
@=/LR/7T&+
 !#$
Nhóm 5 – BH cháy
%&! !'!(

n,J&&%97KZ%l7[#o81571AbC%2=N

n0d&J&&3

9PT8&4:]

&J14>b%[=-#SLQ

015S7T&9&UT&K+


0d&&@N%b-&b

0d&&@&%@===p&15

e
Nhóm 5 – BH cháy
O,#9&8&9C71AS71Aqbr&&U
&.%l&==/+
R72L7$,8A7[+
&,$./%0
o./%0
4&,p:;<
Nhóm 5 – BH cháy

09]ST&4.&Y&==/%l&#@+

a=PS&.&b9#%@,$K74&==/:-
#I7l&^.P`%l&#@+

,9c=Sb&9c=&9CL&+

9P=372&%4%S72&%]9&b\6N%l&&K7
8#%@9%P=l&&%&5+
Nhóm 5 – BH cháy
H&OqK7:;<
i7rCpP7C^7
$KW371AL7b\6N&%=&&54s&=
)*
i7rCpO9&

>&&-,Om104L7:&9
,
)+
Nhóm 5 – BH cháy
•
t-QuvwK:
•
;vwK:#@+
,&@&572=9%7P$,7@&
=&K7
H>&4>P&572=7@&
=$,&K7
0.&%K&&5@bC%2=S
$,4>b%57@&=&K7
&b\&\9m4>
&K&;vwK:#@+
,15A&& ,15A&
Nhóm 5 – BH cháy
,%7P!:bC%2=
$bKW3bC%2=
x&j#:bC%2=
,j#:&9#%@
g,j#:&Qx
*
g,j# :x
;
s&#t:;<
P= Sb x R
Nhóm 5 – BH cháy
,-#&#*.&/0

*
1#2'h
,-#&#+.&/0
*
13$h
g1/*yk&#@&&C= ,$&=[N#%@W.&&_#%@,$
g1/;#UX=&&j#:&:A&%bC&j#:qz+
g1/{3t&j#:7DX&%.&K&C=:+
Nhóm 5 – BH cháy

:
,::%*NL1|Sb.&
?E7C^7*S$,#9u&vvv&vvvd*S&j#:vV4wxS==p&15&UXs&vvvd*71A
C:<sx:+
>&\P

,.&b#9=&=78%S&*vw:

&K&U76@&&>4P9RPSC=vw:

Tb%C=vw:

%C-71A&b>&>%CSC=*vw:

OQ7%C>SC=vw:
Nhóm 5 – BH cháy
Cách tính phí BH

3t&t#:&%#%@>&\}71AC=*~w
yvV4wxlzvV4wx`4vx{yvV4|Hx


3t&t#:#9=&=78%S&*vw
yvV4|Hx}zvV4|Hx`4ux{yvV4w|sx

3t&t#:&%=C=:3&.&b91RWd#9{~w
yvV4w|sxlzvV4w|sx`svx{yvV4sv~4x

3t&t#:&%==p&15SC={w
yvV4sv~4xlzvV4sv~4x`sx{yvV4H|~•€€x

01T:bC%2=KhHC#9
!•$bLx
•€!•v+~~~+~~~L~S*;•‚Euuw••+{;‚Sƒƒv„$}
Nhóm 5 – BH cháy
&,$0!•‚",ƒ„
1
015&=C4&5&>b%&/>&
>&]N-P&=7.
&15#9=>&=7
VTb-bC=7P7Q78d4:b-
>&U&h%15&=bC%
2=
2
4
3
4&E7CC<p7
Nhóm 5 – BH cháy
-#&#*4156789':;<=
H&E7C…AB7C†7a
6>/?7!@;<=A!0B <;/=

STBT = Giá trị tổn thất thực tế x
STBH
Giá trị bảo hiểm
6>/?7!@;<=C!0B <;/=
STBT = Giá trị tổn thất thực tế
Nhóm 5 – BH cháy
-#&#*4156789':;<=
H&E7C…AB7C†7a
6>/?7!@;<=D!0B <;/=
STBT = Giá trị tổn thất thực tế x
Giá trị TS khi tham gia BH
Gtrị TS tại tđiểm xảy ra tổn thất
6>/?7!@<;E/=F#/4&
Gtrị TS đánh giá khi tham gia BH
Gtrị TS tại t/điểm xảy ra tổn thất
x
Giá trị tổn thất t/tế

STBT = x
Tỷ lệ
BH

Nhóm 5 – BH cháy