DIEU KHOAN BAO HIEM HANG HOA DUONG BIEN THEO ĐIEU KIEN A 2014

mic

CONG HOA xA Ho CHU NGHIA VIET NAM

BAO Loam QUAN DOI

Diic14 - Tty do - Hanh phtic

S6: 147/2014/QD-MIC

Ha NA ngay 10 thong 01 nom 2014

QUYET DINH
Ve viec ban hanh Dieu khoin bao hiem hang boa van chuyen throng bier'
- Dieu kien A
TONG GIAM DOC
TONG CONG TY CO PHAN BAO HIEM QUAN DOI
Can cir Luat kinh doanh bao hiem s6 24/2000/QH10 ngay 09/12/2000 va Luat
sua doi b6 sung mot so clieu cria Luat kinh doanh bao hiem so 61/2010/QH12 ngdy
24/11/2010;
Can cir Giay phep thanh lap va hoat dOng s6 43GP/KDBH ngay 08/10/2007 cilia
BO Tai chinh va cac Giay phep dieu chinh cua BO Tai chinh;
Can cir Dieu le to elide va hoat dOng cua T6ng cong ty Co phan Bao hiem Quan
dOi (MIC);
Theo de nghi ctia Giam d6c Ban bao hiem Hang hai,
QUYET DINH:

Dieu 1. Ban hanh kern theo Quyet dinh nay "Dieu khoan bao hiem hang hoa
van chuyen duOng bien - Dieu kien A".

Dieu 2. Quyet dinh nay có hieu ltrc ice tir ngay ky va thay the Quyet dinh so

32/2007/QD-MIC ngdy 24/10/2007 dm TGD Ong ty CP Bao hiem Quan
Dieu 3. Giam d6c Ban bao hiem Hang hai, Giam d6c cac Ban,

tam lien
quan thuOc HOi MIC, Giam doc cac don, vi true thuOc MIC va cactoto chdc, tilie.n
co lien quan chiu trach nhiem thi hanh Quyet dinh nay./.
Noi nhein:

AO HIEM QUAN DO)/

TONG C

- Nhtr Dieu 3;
- HDQT, BKS;
- Ban TGD;
- Lu-u: VT, HH.

PHO TeiNG GIAM D6C PI-111 MACH

Ye

e 'Ake

ekiii

Tang cong ty Co phan Bao hiem Quail dOi
Dia chi: Tang 9&10, Tea nha MB, so 3 Lieu Giai, Ba Dinh, Ha NOi
Din thoai: (84-4) 6285 3388 * Fax: (84-4) 6285 3366
Email: * Website: www.mic.vn

Ink

Bac, HIEM guAN DOI
DIEU KHOAN
BAO HIEM HANG HOA VAN CHUYEN DUNG BIEN
- DIEU MEN A
(THEO "INSTITUTE CARGO CLAUSES (A) - 1/1/82")
(Ban hanh theo Quyk clinh so 147/2014/QD-MIC ngcly 10 thcing 01 nom 2014 cigz
Tdng cong ty co phcin bcio hibn Quan cldi)
Dieu 1. Cac riii ro dirqc bio hiem
1.1. Bao hiem nay bao hiem moi rili ro ve ton thAt hoac t6n hai xay ra cho d6i
Wong bao hiem trir cac diem loai trir quy dinh tai Dieu 2 duai day.
1.2. Bao hiem nay bao hiem ten thAt chung va chi phi ciru hO dugc dieu chinh
hoac xac dinh theo hop dOng van chuyen,va/hoac theo luat phap va tap quan
cho cac khoan chi ma nguai dugc bao hiem phai ganh chiu nham tranh hoac
có lien quan tai viec phOng tranh ton that do bat kS, nguyen nhan nao trir
nhang chi phi da loai trir tai Dieu 2 hay bdt kST diem nao khac trong bao hiem
nay.

a

1.3. Bao hiem nay dugc ma rOng
b6i thuong cho nguai &roc bao hiem phAn
trach nhiem theo ty le thuc diet' khoan "Dam va doi ben ding c6 loi" trong
hop (tong chuyen char co lien quan tOi mot ton that thuOc pham vi boi thuang
dm bao hiem nay. Tnrang hop chi' tau khieu nai theo Quy tac bao hiem nay
thi nguai dugc bao hiem phai thOng bao cho MIC la nguai co quyen, bang
chi phi va phi ton rieng cda minh, de bao ve nguai dugc bao hiem chong lai
khieu nal ctia chil tau.

Dieu 2. Cac loaf trir
2.1. Bao hiem nay khong bao hiem cho:
2.1.1. Tem thAt, tem hai hoac chi phi dugc quy cho hanh vi xAu coy cua
nguai dirge bao hiem;
2.1.2. R6 ri thong thuang, hao but tong lugng hoac giam the tich thong
thuang, hoac hao mon thong thuong cira del tuong bao hiem;
2.1.3. TO'n thdt, t6n hai hoac chi phi gay ra do thing goi hoac chuAn bi cho
dal -Wong bao hiem chua day &I hay khong thich hop (theo chtl 5/ dm
diem nay "dong goi" phai dugc coi nhu bao Om Ca xep hang vao
container hay thfing hang ,nhung chi khi nao viec xep hang dO dugc
thuc hien trtrac khi bao hiem nay c6 hieu luc hoac do nguai dugc bao
hiem hay nhung nguai lam cong cho ho thuc hien);
2.1.4. T6n thdt, ton hai hoac chi phi gay ra bai khuyet tat hay tinh chdt son
co dm doi tuong bao hiem;

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BAO HIEM QUAII DOI

2.1.5. T6n that, Mn hai hoac chi phi true tip gay ra 136.i cham trg ngay ca khi
cham tre xay ra do mgt roi ro dugc bao hiem (1o4i trir nhang chi phi
dugc boi thuang theo khoan 1.2 ke tren);
2.1.6. T6n that, Mn hai hoac chi phi phat sinh tir tinh tang khong tra dugc
nq hoac thieu thOn ye tai chinh cua chil tau, nguai quan 13'7, nguai
thue hoac north khai thdc tau;

2.1.7. T6n that, Mn hai hoac chi phi phat sinh tir vic sir dung bat IcS7 loai vu
khi chitin tranh nao CO sir dung nang lugng nguyen dr, h4t nhan
va/hoac phan,img hg than hay nguyen hoac phan img khac tucrng
to hay cac chat phong x4 tucmg to khac.
2.2. Trong moi truang hop, bao hi6m nay khong bao hiem cho nhitng ton that,
ton hai hoac chi phi phat sinh do:
2.2.1. tau hoac sa lan khong du kha nang di biL;
2.2.2. tau, sa lan, phuong tin van chuy6n, container hay thong hang khong
thich hop cho vi& chuyen chop an toan dal Wong bao hiem,
nL nguai dugc bao hiem hay nhiing nguai lam cong cho ho bi6t dugc rieng
ye tinh tang khong du kha nang di bien hoac tinh tr4ng khong thich hop dO
vao thai di6m doi twin bao hiem dugc xep vao phuong tien van chuyen nhu
vay.
MIC,b6 qua bat lcS7 vi pham nao d6i
cdc, cam leet vi4 tau kha nang
di bien va thich hop cho
chuyen cha doi tuong bao hiem tai nth den trir
khi nguai dugc bao hiem hoac nguai lam cong cho ho dugc biet rieng ve tinh
tang kh6ng du kha nang di bien hay tinh tang kh6ng thich hop do.
2.3. Trong moi twang hop, bao hie'tn nay khong bao hiem cho nh&ng Mn that,
ton hai hoac chi phi gay ra
2.3.1. Chi'L tranh, not chitin, each mpg, not loan khdri nghia hoac xung dOt
clan sir phat sinh tir nhang biL co do, hoac bat lcS7 hanh dOng thu dich
nao gay ra bai hoac chong 14i mot the luc tham chitin;
2.3.2. Chien, bat gift, ki&n the hay cam gat (trir khi la cuOp biL) va hau
qua cua nhung viec do hoac bat kS1 mtm toan nao vi the ma co;
2.3.3. Min, they 16i, born troi dat hoac nhitng vu khi chitin tranh troi dat
khac.
2.4. Trong moi tnrang hop, bao hiem nay kh6ng bao hiem cho nhang Mn that,
ton h4i hoac chi phi:

2.4.1. Gay ra
nhang nguai dinh cong, cong nhan bi ,cam xuang, hoac
nhung nguai tham gia gay roi loan lao d6ng, phd roi tat to hoac bao
dOng;
2.4.2. La hau qua tir cdc cu6c dinh cong, cam xuang, roi loan lao dOng, pha
roi tat tu;
2.4.3. Gay ra
bat IcS, ke Ichimg b6 nao hoac do bat lcS, nguai nao hanh
d6ng vi d6ng co. chinh tri, to nrang hay ton giao.
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BAo FBErn QUAN Dl I

hieu 3. Th?ri han bao hiem
3.1. Bao hiem nay bat dau co hieu luc ke, khi hang rad kho hoac nai chira hang
tai dia diem, coten, ghi trong Hop dong bao hiem va/hoac Giay chimg nhan
bao hiem de bat dau van chuyen, tiep tuc co hieu luc trong qua trinh van
chuyen thong thuong va ket thuc tai mot trong cac thi diem sau, tuST theo
truOng hop nao xay ra truac:
3.1.1. Khi giao hang vao kho cua nguai nhan hang hay kho hoac nai chira
hang cuoi ding khac tai noi nhan CO ten ghi trong Hop dong bao hiem

va/hoac Giay chimg nhan bao hiem;
3.1.2. Khi giao hang vao bat kSr mOt kho hay nai chira hang naokhac, du
truac khi tai hay tai nai nhan co ten ghi trong Hap dong bao hiem
va/hoac Giay chimg nhan bao hiem, ma nguai dugc bao hiem chon
dung vao muc dich sau day:
3.1.2.1.
3.1.2.2.

a chira hang ngoai qua trinh van chuyen thong thuang,
hoac
a chia hay phan ph& hang,

hoac
3.1.3. Khi het han sau muai (60) ngay sau khi hoan thanh viec dg hang hod
dugc bao hiem 'ch&
. man tau tai cang do. hang cued ding.
3.2. Neu sau khi do hang khoi man tau tai cang do' hang cuei ding, nhung truac
khi ket thfic bao hiem, hang h6a dugc giri tai mot nai nhan hang khong dung
\Teri dia diem nhan hang ghi trong Hgp dong bag hiem va/hoac Giay chimg
nhan bao hiem thi bao hiem nay trong khi gift nguyen hieu 1uc theo quy dinh
ket thitc neu ten, se khong ma rOng giai han qua thai diem bat dau van
chuyen ten nai nhan khac do.
3.3. Bao hiem nay gift nguyen hieu 1uc (phu thuOc vao quy dinh ve ket thUc neu
tren va nhimg quy dinh trong khoan 3.4 duOi day) trong cac throng hop
cham tre ngoai kha nang kiem soat cua nguai dugc bao hiem, tau chay Lech
huang, do, hang bat bu6c, xep lai hang hoac chuyen tai va trong twang hop
co bat kS, thay doi nao ye hanh trinh xuat phat to viec thuc thi quyen to do
danh cho chtl tau hoac nguai thue tau theo hop dong van chuyen.
3.4. Neu do nhimg, tinh hung ngoai kha nang kiem soat
nguai dugc bao

hiem ma hop dong van chuyen ket thuc tai mot cang hay mot nai kh6ng dung
vai dia diem nhan hang ghi trong Hop dong bao hiem va/hoac Giay chimg
nhan bao hiem hoac viec van chuyen dugc ket thfic theo cach khac truac khi
giao hang nhu,da quy dinh cac khoan 3.1, 3.2, va 3.3 tren day thi bao hiem
nay cling ket thUc trix khi CO van ban yeu cau tiep tuc bao hiem ggi den
MIC trong theri han hieu luc cua bao hiem vai dieu kin dugc MIC chap
thuan va phai tra them phi bao hiem neu MIC yeu cau. Trong twang hop nay
bao hiem se tiep tuc CO hieu 1uc:
3.4.1. cho tai khi hang dugc dem ban va giao tai cang hay dia diem dO, hoac
trir khi co thoa thuan rieng khac, cho tai khi het han sau muai (60)

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MIC
BAO MEIN QUAN DOl

ngdy ke to khi hang den ca.ng hay dia diem dO, tuS7 theo throng hop
nao xay ra trugc, hoac
3.4.2. neu hang hoa dugc giri di trong pham vi sau muai (60) ngay do (hoac
bat kS7 pham vi ma rOng nao da th6a thuan) de tai nai nhan hang ,c6
ten ghi trong Hap dong bao hiem va/hoac Giay chirng nhan bao hiem
hay tgi bat 14 nai nhan hang nao khac thi bao hiem nay se ket thilc
theo quy dinh tai cac khoan 3.1, 3.2 va 3.3 tren day.
3.5. Neu sau khi bao hiem nay co hieu luc ma ngugi dugc bao hiem lai thay d6i
nai nhan hang thi chuyen hang dO van dugc bao, hiem
dieu kien ngueri
dugc bao hiem phai thong bao ngay cho MIC bang van ban va dugc MIC

chap thuan vgi mire phi va dieu kien bao hiem thoa thuan rieng.
Di&I 4. Kh4u nal boi thwitng
4.1. De co the dugc b6i thugng,theo bao hiem nay, ngugi dugc bao hiem phai co
quyen lgi dugc bao hiem doi vai doi tugng dugc bao hiem vao thgi diem xay
ra ton that.
4.2. Theo khoan 4.1 tren day, ngugi dugc bao hiem c6 quyen doi b6i thuarng cho
nhang ton that dugc bao hiem da xay ra trong thgi gian co hieu luc,cita bao
hiem nay ngay ca khi ton that da xay ra tnrgc khi hop dong bac, hiem dugc
ky ket, trd khi ngugi dugc bao hiem da biet va MIC khong biet ve ton that
dO.
4.3. Neu do hau qua xd 1y mot rni ro thuOc pham vi bao hiem nay ma hanh trinh
dugc bao hiem phai ket,thdc tai mot Cang hoac mot nai khong phai nai nhan
c6 ten ghi trong Hop &mg bao hiem va/hoac Giay chimg nhan bao hiem thi
MIC se hoan tra ngugi dugc bao hiem mai khoan chi phi phat sinh them da
chi ra mot cach hop ly va th6a clang de da hang, luu kho va giri hang tgi nai
nhan theo bao hiem nay.
Khoan 4.3 nay khong ap dung d6i vai ton that chung hoac chiphi dm h6,
nhung tan theo cac diem loci trd bao hiem quy dinh tai Dieu 2 den day va
kh6ng bao g6m nhirng chi phi phat, sinh do sai
bat can, to tinh trong
khong tra dugc no hoac thieu them ve tai chinh cua ngugi dugc bao hiem hay
nhang nguai lam cong cho ho.
4.4. Bao hiem nay kh6ng bei thugng ton that toan b6 uOc tinh t r khi d6i Wong
dugc bao hiem bi tir b6 mot each hap 1)", vi ton that toan b6 thuc to la khong
the tranh khoi hoac vi chi phi cdu hang, to 1)6 lai va giri hang den nai nhan
theo bao hiem nay co the vuo-t qua gia tri hang khi tad nai nhan.
4.5. Neu ngueri dugc bao hiem ky ket bat 14 hop d6ng bao hiem nao ve gia tri
tang them cho hang hoa da dugc bao hiem theo bao,hiem nay thi gia tri thoa
thuan dm hang Ma dugc coi nhu,da gia tang bang tong so tien,bao,hiem cda
bao hiem nay va tat ca cac bao hiem ye gia tri tang them bao hiem ton that do

va trach nhiem thu6c pham vi bao hiem nay phai,dugctinh theo tS/ le gida so
tien bao hiem co trong bao hiem nay chia cho so
tngtien bao hiem da not
tgi.

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Rao HIEM owira DOI
TnrOng hop co khieu,nai, nguari duce bao hiem phai cung cap cho MIC bang
chirng ye nhfing so tien bao hiem thuc tat ca cac bao hiem khac.
4.6. Truarng hop bao hiem nay bao hiem gia tri tang them thi se ap dung dieu
khoan sau day:
Gia tri thoa thuan,cna hang hOa dugc coi nhu ngang vii tong s6 tien bao
hiem trong bao hiem goc va tat ca nhang bao hiem gia tri tang them do flared
dugs bao hiem, dem bao hiem ton that cho hang hOa va trach nhiem thuc
pham vi bao hiem nays se dugc tinh theo tST girra so tien bao hiem theo bao
hiem nay va tong so tien bao hiem da- not
Truong hop có khieu,nai, nguoi dugc bao hiem phai cung cap cho MIC bang
chimg ye nhting so tien bao hiem thuc tat ca cac bao hiem khac.
Dieu 5. Quyen lgi bao hiem
Bao hiem nay khong bao hiem 10 ich cita nguari chuyen cho hay nguari nhan
hang hod nao khac.
Dieu 6. Han the ton thAt
6.1. Trach nhiem cua nguOi dugc bao hiem, nhimg ngueri lam cong va dai 157 da
ho d6i vii ton thAt thuc pharn vi bOi thuong cua bao hiem nay la:
6.1.1. Phai thuc hien moi bien phap co the coi la hop 1)"/ nham muc dich ngan
ngira ho4c giam nhe ton that dO, va

6.1.2. Phai bao dam moi quyen khieu nai ngueri chuyen cho, ngueri nhan 1c)"(
gin hang hOa hay 'lilting nguOi thir ba khac dugc duy tri va thuc hien
thoa clang.
va MIC, ngoai trach nhiem d6i vii ton that thuc pham vi bOi thuOng cua
bao hiem nay, con phai hoan tra nguoi dugc bao hiem moi khoan chi phi cla
chi ra mot cach hop 1)'7 va thoa Bang trong khi thgc hien nhang nhiem vu nay.
6.2. Moi bien phap do ngueri dugc bao hiem hoac do MIC thgc hien vii muc dich
ctru vot, bao qua"' hoac phuc hoi doi tugng bao hiem deu khong &roc coi la
dau hieu tir choi hoac chap nhan viec tir b6 hoac gay phucrng hai den quyen
10 dm cac ben.
Dieu 7. Tranh ch'am trg
Bac) hiem nay dat dieu kin nguOi dugc bao hiem phai hanh dOng khan tnrong hop
1)"7 trong moi tinh huong trong pham vi kiem soat cua ho.
Dieu 8. Khieu nai va giai quyet tranh chAp
8.1. ThCri han yeu cAu bOi thuarng va thOi hieu khoi kien:
8.1.1. Thai han yeu cau bOi thuOng theo hop dOng bao hiem la mot (01) nam
ke tir ngdy xay ra su kin bao hiem, trir truerng hop cham tre do
nguyen nhan khach quan va bat kha khang theo quy dinh cua phap
luat.
8.1.2. Thai hieu khai kin ye ,hop dOng bao hiem la ba (03) nam
diem phat sinh tranh chap.
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BAO HIEM QUAN 001

8.2. Moi tranh chap co lien quan den hop d6ng bao hiem gifra ngtreri dtroc bao
hiem va MIC, neu kh6ng giai quyet dtroc bang thuang luang thi se dtra ra
Toa an nai bi don dat trp sa chinh hoac cu tru de giai quyet theo phap lu'at
cua ntrac COng hoa xa h6i chit nghia Viet Nam./.
bib ve mot sy• kien"tharc bao hiem"
khi
GHI CHO: Nguiri Ave, bao
theo bao hiem nay phai thong bao ngay cho MIC va quyen 191 doi vol
bao hiem coo se" phy thuk vao viec thy.c hien nghia vu nay.

VA DAI DIEN
THA
HIEM QUAN 1,),V
TONG CONG TONG
i7~

PHO TONG GIAM D6C PHU TRACH

Ye ,i11,4( J u

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