DIEU KHOAN BAO HIEM HANG HOA DUONG BIEN THEO DIEU KIEN b 2014

CONG HOA XA HOI CHU NGHiA VITT NAM
DOc lap - Tty do - Hanh phoc
BA° Hiram QUAN 001
Ha

S6: 148/2014/QD-MIC

AT"Oi,

ngay 10 thcing 01 nom 2014

QUYET DINH
Ve vfe'c ban hanh Dieu khoan boo hiem hang hoa van chuyen duirng bien
- Dieu ki"e'n B
TONG GIAM DOC
TONG CONG TY CO PHAN BAO MEM QUAN DOI
, Can dr Luat kinh doanh boo hiem s6 24/2000/QH10 ngay 09/12/2000 va Lust
sera doi 1)6 sung mot so dieu cua LuSt kinh doanh boo hiem so 61/2010/QH12 ngay
24/11/2010;
Can cir GiSy phep thanhlSp va hoot d6ng s6 43GP/KDBH ngdy 08/10/2007 ctia
B6 Tai chinh Ira cac Giay phep dieu chinh &la BO Tai chinh;
Can cir Dieu le to chirc va hoot Ong cua T6ng cong ty Co phSri Bao hiem Quan
dOi (MIC);
Theo de nghi cua Giam Oc Ban boo hiem Hang hai,
QUYET DINH:
Dieu 1. Ban hanh kern theo Quyet dinh nay "Dieu khoan boo hiem hang hoa
van chuyen cluong bien - Dieu kien B".
Dieu 2. Quyet dinh nay co hieu luc ke to ngdy ky va thay the Quyet dinh s6
33/2007/QD-MIC ngdy 24/10/2007 dm TGD Cong ty CP Bao hiem Quan Oi.
Dieu 3. Giam d6c Ban boo hiem Hang hai, Giam d6c cac Ban, Trung tam lien
quan thu6c H6i se( MIC, Giam d6c cac don vi truc thu6c MIC va cac to chirc, ca nban

co lien quan chiu trach nhiem thi hanh Quyet dinh nay].
TONG C

Nai

0 HIEM QUAN D90/

- Ninr Di6'u 3;
- HDQT, BKS;
- Ban TGD;
- Lim: VT, HH.
PHO TONG GIAM DOC PHU TRACH

Tiing cong ty Co phi') Hao hiem Quin 41
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SAO MI1161411

GUAN obi

DIEU KHOAN
BAO HIEM HANG HOA VAN CHUYEN DUNG BIEN
- DIEU KIEN B
(THEO "INSTITUTE CARGO CLAUSES (B) - 1/1/82")
(Ban hanh theo Quy'et clinh so 148/2014/0D-MIC ngay 10 thong 01 nom 2014 clic,
Tong cong ty co phan bac, hiem Oucin dot)

Dieu 1. Cac rui ro dirge bao hiem
1.1. Trir cac diem loai trir quy dinh tai Dieu 2 dugi day, bao hiem nay bao hiem cho:
1.1.1. T6n that, ton hai xay ra cho d6i tuang dugc bao hiem c6 the quy hop 1)"/
cho:
1.1.1.1. Choy hoac n6;
1.1.1.2. Tau, sa lan bi mac can, dAm hoac rat Up;
1.1.1.3. Phuang tien van tai ten be bi lot do hoac tat banh;
1.1.1.4. Tau, sa lan hoac phuang tien van chuyen dam va nhau hoac
dam va bat ky vat the nao ben ngoai khOng ke ntrac;
1.1.1.5. Da hang tai cang lanh non;
1.1.1.6. D6rig clot, nUi lira phun hoac set danh.
1.1.2. T6n that, ton hai xay ra cho d6i tugng dugc bao hiem gay ra
1.1.2.1. Hy sink ton that chung;
1.1.2.2. Nem hang khOi tau hoac nook cu6n khOi tau;
1.1.2.3. Nuac bien, ntrac h6 hay nugc song chay vao tau, sa Ian, ham
hang, phuang tien van chuyen, container hoac nai chira hang.
1.1.3. T6n that toan b(5 cua bat 1(37 kien hang nao rai khOi tau hoac rai trong khi
Bang xep hang len hay de hang khoi sa lan.
1.2. Bao hiem nay bao hiem ton that chung va chi phi dru 11.6 dugc dieu chinh hoac
xac dinh theo hop Tong van chuyen va/hoac theo luat phap va tap quan cho cac
khoan chi ma ngtrai dugc ,bao hiem phai ganh chiu nham tranh hoac c6 lien
viec pheng tranh ton that do bat kST nguyen nhan nao trir nhang chi phi
quan
da loai trir tai Dieu 2 hoac bat IcS/ diem nao khac trong ban hiem nay.
1.3. Bao hiem nay dugc m6 rang de b6i thuang cho nguai dugc bao hiem phAn
trach nhiem thu6c dieu khoan "Dam va ,doi ben ding c6 lOi" trong hap dong
chuyen chg c6 lien quan tad mot ton that thu6c pham vi boi thuong cua ban
hiem nay. Tnrang hop chii tau khieu nai theo dieu khoan nay thi ngtrai dugc
bao hiem phai thong bao cho MIC la ngueri co quyen, bang chi phi va phi ton
rieng cti' a minh, de bao ve ngtrai dugc bao hiem chong lai khieu nai cua chil tau.

Dieu 2. Cac loai trir

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SAO fi6g11106 GUAM

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2.1. Bao hiem nay khOng bao hiem cho:
2.1.1. T6n that, ton hai hoac chi phi dugc quy cho hanh vi xau coy cua nguari
dugc bao hiem;
2.1.2. RO ri th6ng thugng, hao but tong luting hoac giam the tich th6ng
thugng, hoac hao mon thOng thuemg cua dui tucmg bao hiem;
2.1.3. T6n that, ton hai hoac chi phi gay ra do clung goi hoac chuan bi cho d6i
tugng bao hiem chua day du hay khong thich hop (theo chu y dm diem
nay "long gar phai dugc coi nhu bao tom ca xep hang vao container
hay thing hang nhung chi khi nao viec xep hang do dugc thirc hien truerc
khi bao hiem nay c6 hieu hrc hoac do nguari dugc bao hiem hay nhang
ngueri lam cong cho h9 th‘rc hien);
2.1.4. T6n that, ton hai hoac chi phi gay ra bo7 khuyet tat hay tinh chat san co
cua dui tugng bao hiem;
2.1.5. Tem that, ton hai hoac chi phi trirc tiep gay ra bari cham tre ngay ca khi
cham tre xay ra do mot rui ro dugc bao hiem (loai trir nhang chi phi
dugc boi thuong theo khoan 1.2 neu teen);

2.1.6. T6n that, ton hai hoac chi phi phat sinh tir tinh trang khong tra dugc ng
hoac thieu th6n ye tai chinh cua chili tau, nguen quan ly, ngueri thue hoac
nguad khai thac tau;
2.1.7. D6i tugng bao hiem hay bat ky b6 phan nao cua d6i tugng bao hiem bi
ton hai hay pha huy do hanh dOng sai lam, co cha tam caa bat ky ngueyi
hay nhOm ngueri nao gay ra;
2.1.8. T6n that, ton hai hoac chi phi phat sinh tir viec sir dung bat ky loai vu khi
chien tranh gi co sir dung nang lugng nguyen tir, hat nhan va/hoac phan
irng hat nhan hay nguyen tir hoac phan img khac tuong to hay cac chat
ph6ng xa tuong to khac.
2.2. Trong MOi truong hop, bao hiem nay khOng bao hiem cho nhimg ton thAt, ton
hai hoac chi phi phat sinh do:
2.2.1. Tau hoac sa lan khong du kha nang di bien;
2.2.2. Tau, sa lan, phuong tien van chuyen, container hay thong hang khong
thich hop cho viec chuyen cher an town dui tugng bao hiem,
Neu nguari dugc bao hiem hay nhang ngugi lam cong cho h9 biet dugc rieng ve
tinh tang khong du kha nang di bien hoac tinh trang khOng thich hop do vao
thud diem dui tugng bao hiem dugc xep vao phuong tien van chuyen nhu vay.
MIC be) qua bat ky vi pham nao d6i voi cac cam ket ye viec tau du kha nang di
bien va thich hop cho viec chuyen cher dui tuarng bao hiem ten Bich trir khi
ngueri dugc bao hiem hoac nguaci lam cong cho ho dugc biet rieng ve tinh trang
khong du kha nang di bien hay tinh trang khong thich hgp do.
2.3. Trong moi truerng h9p, bao hiem nay khong bao hiem cho nhang tem that, ton
hai hoac chi phi gay ra beyi:

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RAO IngIllt
2.3.1. Chien tranh, not chien, cach mana, not loan khai nghia hoac xung dOt
dan su phat sinh to nhang bien c6 dO, hoac bat ky hanh dOng thli dich
nao gay ra bai hoac ch6ng lai mot the luc tham chien;
gift va hau qua dm nhimg viec do
2.3.2. Chiem, bAt Ott, kiem the hay
hoac bat ky mtru toan nao vi the ma co;
2.3.3. Min, thily 16i, bom troi dat hoac nhimg vu khi chien tranh troi dat khac.
2.4. Trong moi tnrang hap, bao hiem nay khong bao hiem cho nhang ton thAt, ton
hai hoac chi phi:
2.4.1. Gay ra bed nhang nguai dinh cong, cong nhan bi cam xtrong, hoac
nhimg nguai tham gia gay rOi loan lao dOng, pha roi trat to hoac bao
dOng;
2.4.2. La hau qua tir cac cu6c dinh cong, cam xuang, r6i loan lao d6ng, pha r6i
tat tv;
2.4.3. Gay ra bai bdt ky ke killing b6 nao hoac do bAt ky nguai nao hanh d6ng
vi Ong ca chinh tri, to tuang hay ton giao.
Dieu 3. Thei han bao hiem
3.1. Bao hiem nay bat dau co hieu luc ke tin khi hang rai kho hoac nai china hang tai
dia diem co ten ghi trong Hop Tong bao hiem va/hoac Giay chimg nhan bao
hiem de bat dau van chuyen, tiep ttic co hieu luc trong qua trinh van chuyen
binh thuang va ket thiic tai mot trong cac thai diem sau, toy theo true:mg hop
nao xay ra truac:
3.1.1. Khi giao hang vao kho cua nguai nhan hang hay kho hoac naichlia hang
cuoi ding khac tai nai nhan co ten ghi trong Hop dong bao hiem va/hoac
Gidy chimg nhan bao hiem;

3.1.2. Khi giao hang vao bat ky mot kho hay nai china hang nao khac, du tnrac
khi tai hay tai nai nhan co ten ghi trong Hop d6ng bao hiem va/hoac
Giay chirng nhan bao hiem, ma nguai dugc bao hiem chon dung vao cac
muc dich sau:
1.1.3.1. de chira hang thong con nam trong qua trinh van chuyen
thong thueng, hoac
1.1.3.2. de chia hay phan ph6i hang, hoac
3.1.3. Khi het hart, sau muai (60) ngay sau khi hoan thanh viec der hang hoa
dugc bao hiem kh6i man tau tai cang da hang cuoi cling.
3.2. Neu sau khi da hang kh6i man tau tai cang dij hang cuoi cong, nhung tnx6c khi
ket thlic bao hiem, hang hoa dugc giri toi mot nai nhan hang thong dung vai
dia diem nhan hang ghi trong Hop &mg bao hiem va/hoac Giay chimg 'than bao
hiem thi bao hiem nay trong khi gift nguyen ,hieultrctheo quy dinh ket thiic neu
rOng giai han qua thai diem bat dau van chuyen tai nai nhan
tren, se thong
khac dO.
3.3. Bao hiem nay Oa nguyen hieu luc (phu thuOc vao quy dinh ye ket thdc neu tren
va nhang quy dinh tai khoan 3.4 duai day) trong khi bi cham tr6 ngoai kha nang
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MIC otos

BAO WIBM QUARK

kiem soat cua ngtrOi dugc bao hiem, khi tau chay Lech huerng bat ky, khi da
hang bat bu6c, xep lai hang hoac chuyen tai va trong khi c6 bat ky thay doi nao

ve hanh trinh xuat phat tir viec thuc thi quyen to do clanh cho chu tau hoac
ngtreti thue tau theo hop Tong van chuyen
3.4. Neu do nhung tinh hung ngoai kha nang kiem soat cna ngueri dugc bao hiem
ma hop dong van chuyen kat thac tai mot cang hay mot nai khong dimg vOi dia
diem nhan hang ghi trong Hop dong bao hiem va/hoac Giay chimg nhan bao
hiem hoac viec van chuyen dugc ket thiic theo each khac tnrerc khi giao hang
nhu da quy Binh tai cac khoan 3.1, 3.2 va 3.3 tren day thi bac) hiem nay ding se
ket Mac tru khi c6 van ban yeu cau tiep tuc bao hiem gin den MIC trong tiled
han hieu luc cua bao hiem vai dieu kien phai tra them phi bao hiem neu MIC
yeu cau. Bao hiem nay se tiep tuc con hieu
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 tOi khi het han sau muai (60) ngdy
ke tir khi hang den cang hay dia diem do, tuy theo tnremg hop nao xay ra
tru6c, hoac
3.4.2. neu hang h6a dugc giri di trong pham vi sau muai (60) ngay dO (hoac bat
ky pham vi mar rang nao da th6a thuan) de tad nai nhan hang c6 ten ghi
trong Hap (long bao hiem va/hoac Giay chung nhan bao hiem hay tai bat
ky nai nhan hang nao khac thi bao hiem nay se ket thiac theo nhung quy
dinh cua cac khoan 3.1, 3.2 va 3.3 ten day.
3.5. Neu sau khi bao hiem nay c6 hieu luc ma nguOi dugc bao hiem lai thay d6i nai
nhan hang thi chuyen hang dO van dugc bao hiem vai diet' kien ngtrai dugc bao
hiern phai th6ng bao ngay cho MIC bang van ban va dugc MIC chap thuan vOi
mirc phi va dieu kien bao hiem thoa thuan rieng.
Dieu 4. Khieu nai boi. thuirng
4.1. De co the dirge b6i thu,:mg theo bao hiem nay, ngueri dugc bao hiem phai CO
quyen, loi dugc bao hiem doi vOi dOi tucmg duct bao hiem vao thi diem xay ra
ton that.
4.2. Theo khoan 4.1 ten day, ngueri dugc bao hiem CO quyen dOi b6i thuemg cho
nhirng ton that dugc bao hiem da xay ra trong theri gian co hieu luc cua bao
hiem nay ngay ea khi ton that da xay ra tnrOc khi hop dOng bao hiem dugc ky

ket, trir khi nguai dugc bao hiem da biet ye ton that va MIC kh6ng biet ye ton
that dO.
mot nil ro thu6c pham vi bao hiem nay ma hanh trinh
4.3. Neu do hair qua
dugc bao hiem phai ket thiic tai mot cang hoac mot nai khOng phai nai nhan co
ten ghi trong Hop dong bao hiem va/hoac Giay chimg nhan bao hiem thi MIC
se hoan tra ngueri dugc bao hiem mai khoan chi phi phat sinh them a chi ra
mot each hop ly va thoa clang de da hang, hru kho va giri hang tai nai nhan theo
bao hiem nay.
ton that chung hoac chi phi ciru 116, nhung
Khoan nay khOng ap dung doi
tuan theo cac diem loci tru bao hiem quy dinh tai Dieu 2 tren day va khong bao
gam nhung chi phi phat sinh do sai lam, bat can, t r tinh trang khong tra dugc
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BAO Hight ONIAN

natu

no hoac thieu th6n ve tai chinh cua nguai dugc bao hiem hay nhang nguai lam
cong cho ho.
4.4. Bao hiem nay khong bOi thuang ton that toan bo trot tinh trix khi d6i tugng
dugc bao hiem bi tix 1)6 mot cach hop 1vi ton that toan b6thuc to la khong the
tranh khoi hoacvi chi phi dru hang, to b6 lai va gin hang den nai nhan theo bao
nai nhan.
hiem nay c6 the vucrt qua gia tri hang khi
4.5. Neu nguai dugc bao hiem ky ket bat Ic37 hop d6ngbao hiem nao ve gia tri tang
them cho hang h6a da dugc bao hiem theo bao hiem nay thi gia tri th6a thuan

cua hang h6a dugc coi nhu da gia tang bang tong so tien bao hiem cua bao hiem
nay va tat ca cac bao hiem ve gia tri tang them bao hiem ton that da va trach
nhiem thu6c pham vi bao hiem nay phai duot tinh theo t'y le giaa so tien bao
hiem CO trong bao hiem nay chia cho tong s6 tien bao hiem da not tOi.
Twang hop CO khieu nai, nguai citrac bao hiem phai cung cap cho MIC Wang
chimg ve nhang so tien bao hiem thu6c tat ca cac bao hiem khac.
4.6. Tnrang hop bao hiem nay bao hiem gia tri tang them thi se dp dung dieu khoan
sau day:
Gia tri thoa thuan dm hang h6a se dugc coi nhu ngang vai tong s6 tien bao
hiem trong bao hiem g6c va tat ca nhang bao hiem gia tri tang them do nguai
dugc bao hiem dem bao hiem ton that cho hang h6a, va trach nhiem thu6c pham
vi bac, hiem nay se dugc tinh theo tST le gift so tien bao hiem theo bao hiem nay
va tong so tien bao hiem da not
Truang hap co khieu nai, nguai dugc bao hiem phai cung cap cho MIC bang
chimg ve nhang so tien bao hiem thu6c tat ca cac bao hiem khac.
Dieu 5. Quyen lcri bio hiem
Bao hiem nay 'thong bao hiem loi ich cua nguai chuyen chop hay nguai than IcS7 gfri
hang hod nao khac.
Dieu 6. Han the ton thit
6.1. Trach nhiem cua nguai dugc bao hiem nhang ngutri lam tong va dai ly cua 119
doi \fad ton that thu6c pham vi boi thuang cua bao hiem nay la:
6.1.1. Phai that hien nhimg bien phap co the coi la hop 1S7 nham muc dich ngan
ngira hoac giam nh8 ton that do, va
6.1.2. Phal bao dam m9i quyen khieu nai nguai chuyen cha, nguOi nhan
hang hoa hay nhirng nguai thix ba khac dugc duy tri va that hien thoa
ton that thu6c pham vi b6I thuqng cua bao
va. MIC, ngodi trach nhiem
hi8m nay, con phai hoan tra nguai dugc WAD hiem moi khoan chi phi da chi ra
mot each hop ly va thoa 'Eng trong khi that hien nhang nhiem vu nay.
6.2. Moi bien phap do nguai dugc bao hi8m hoac do ,MIC that hien voi muc dich

cdu vat, bao quan hoac phut hoi doi Wang bao hiem deu khong &Nov coi la dau
hieu tir ch6i hoac chap nhan viec tit bo hoac nhang viec khac gay phuang hai
den quyen lgi cua ben kia.
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IIIIC
BAO HIEM ouAN 001

Di&I 7. Tranh ch4m tr'Z'
dieu kien nguai dugc bao hiem phai hanh dOng khan trucme hop 17
Bao hiem nay dat,
trong moi tinh hu6ng trong pham vi kiem soat cua ho
Ditu 8. Khie'u nal va giai quyk tranh chip
8.1. Thai han yeu cau b6i thuang va thai hieu lchai kien:
8.1.1. Thai han yeu cau b6i thuang theo hap d6ng bao hiem là mat (01) na'm
ngay xay ra sir kien bac) hiem, trir truane hgp cham tre do nguyen
nhan khach quan va bat Icha khang theo quy dinh dia pha.p luat;
8.1.2. Thai hieu khai kien ve hop 1216ng bao hiem la ba (03) nam ke tix thai
diem phat sinh tranh chap.
8.2. Moi tranh chap có lien quan den hop (fang bao hie'm gii1 a nguaii dugc bao hiem
va MIC, neu khOng giai quyet dugc bang thuang luting thi se dim ra Toa an nai
chinh hoac cu trA de giai quyet theo phap 1114 cYa nugc Cong
bi don dat try so.
haa xa h6i chn nghia Viet Nam./.
GHI CHO: Ngweri twat bao hiem khi nhan biet ve mot sv kien "dugc bao hiem" theo
bao hiem nay phdi thOng bao ngay cho MIC va quyen Iqi dei voi bao

hiem coo se phu thuk vao vies thvc hien nghia vu nay.
THAY MAT VA DAI DIN
BAO HIEM QUAN DOI

PHO TONG GIAM DOC PHI) TRACH

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