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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 242000QH10 ngay 09122000 va Luat sua doi b6 sung mot so clieu cria Luat kinh doanh bao hiem so 612010QH12 ngdy 24112010; Can cir Giay phep thanh lap va hoat dOng s6 43GPKDBH ngay 08102007 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 322007QDMIC ngdy 24102007 dm TGD Ong ty CP Bao hiem Quan Dieu 3. Giam d6c Ban bao hiem Hang hai, Giam d6c cac Ban, to tam lien quan thuOc HOi MIC, Giam doc cac don, vi true thuOc MIC va cac to chdc, tilie.n co lien quan chiu trach nhiem thi hanh Quyet dinh nay..
mic CONG HOA xA Ho CHU NGHIA VIET NAM BAO Loam QUAN DOI Diic14 - Tty - Hanh phtic S6: 147/2014/QD-MIC Ha NA 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 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 lap va hoat dOng s6 43GP/KDBH 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 Ban hanh kern theo Quyet dinh "Dieu khoan bao hiem hang hoa van chuyen duOng bien - Dieu kien A" Dieu Quyet dinh có hieu ltrc ice tir ky va thay the Quyet dinh so 32/2007/QD-MIC ngdy 24/10/2007 dm TGD Ong ty CP Bao hiem Quan Dieu 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 Lieu Giai, Ba Dinh, Ha NOi Din thoai: (84-4) 6285 3388 * Fax: (84-4) 6285 3366 Email: info@mic.vn * 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 Cac riii ro dirqc bio hiem 1.1 Bao hiem bao hiem moi rili ro ve ton thAt hoac t6n hai xay cho d6i Wong bao hiem trir cac diem loai trir quy dinh tai Dieu duai day 1.2 Bao hiem 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 bat kS, nguyen nhan nao trir nhang chi phi da loai trir tai Dieu hay bdt kST diem nao khac bao hiem a 1.3 Bao hiem 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" hop (tong chuyen char co lien quan tOi mot ton that thuOc pham vi boi thuang dm bao hiem Tnrang hop chi' tau khieu nai theo Quy tac bao hiem 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 Cac loaf trir 2.1 Bao hiem 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 thing goi hoac chuAn bi cho dal -Wong bao hiem chua day &I hay khong thich hop (theo chtl 5/ dm diem "dong goi" phai dugc coi nhu bao Om Ca xep hang vao container hay thfing hang ,nhung chi nao viec xep hang dO dugc thuc hien trtrac bao hiem c6 hieu luc hoac nguai dugc bao hiem hay nhung nguai lam cong cho ho thuc hien); 2.1.4 T6n thdt, ton hai hoac chi phi gay bai khuyet tat hay tinh chdt son co dm doi tuong bao hiem; MIC/HH/ICC-A 1/6 mic BAO HIEM QUAII DOI 2.1.5 T6n that, Mn hai hoac chi phi true tip gay 136.i cham trg ca cham tre xay 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 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 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 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 2.3 Trong moi twang hop, bao hie'tn khong bao hiem cho nh&ng Mn that, ton hai hoac chi phi gay 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 bai hoac chong 14i mot the luc tham chitin; 2.3.2 Chien, bat gift, ki&n the hay cam gat (trir la cuOp biL) va hau qua cua nhung viec hoac bat kS1 mtm toan nao vi the ma co; 2.3.3 Min, they 16i, born troi dat hoac nhitng vu chitin tranh troi dat khac 2.4 Trong moi tnrang hop, bao hiem kh6ng bao hiem cho nhang Mn that, ton h4i hoac chi phi: 2.4.1 Gay 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 bat IcS, ke Ichimg b6 nao hoac bat lcS, nguai nao hanh d6ng vi d6ng co chinh tri, to nrang hay ton giao MIC/HH/ICC-A 2/6 ,3 (.5 aP BAo FBErn QUAN Dl I hieu Th?ri han bao hiem 3.1 Bao hiem bat dau co hieu luc ke, hang rad kho hoac nai chira hang tai dia diem, coten, ghi Hop dong bao hiem va/hoac Giay chimg nhan bao hiem de bat dau van chuyen, tiep tuc co hieu luc qua trinh van chuyen thong thuong va ket thuc tai mot cac thi diem sau, tuST theo truOng hop nao xay 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 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 tai hay tai nai nhan co ten ghi 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) sau hoan viec dg hang hod dugc bao hiem 'ch& man tau tai cang hang cued ding 3.2 Neu sau hang khoi man tau tai cang do' hang cuei ding, nhung truac ket thfic bao hiem, hang h6a dugc giri tai mot nai nhan hang khong dung \Teri dia diem nhan hang ghi Hgp dong bag hiem va/hoac Giay chimg nhan bao hiem thi bao hiem 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 3.3 Bao hiem gift nguyen hieu 1uc (phu thuOc vao quy dinh ve ket thUc neu tren va nhimg quy dinh khoan 3.4 duOi day) 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 twang hop co bat kS, thay doi nao ye hanh trinh xuat phat to viec thuc thi quyen to danh cho chtl tau hoac nguai thue tau theo hop dong van chuyen 3.4 Neu nhimg, tinh 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 Hop dong bao hiem va/hoac Giay chimg nhan bao hiem hoac viec van chuyen dugc ket thfic theo cach khac truac giao hang nhu,da quy dinh cac khoan 3.1, 3.2, va 3.3 tren day thi bao hiem cling ket thUc trix CO van ban yeu cau tiep tuc bao hiem ggi den MIC 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 bao hiem se tiep tuc CO hieu 1uc: 3.4.1 cho tai hang dugc dem ban va giao tai cang hay dia diem dO, hoac trir co thoa thuan rieng khac, cho tai het han sau muai (60) MIC/HH/ICC-A 3/6 MIC BAO MEIN QUAN DOl ngdy ke to hang den ca.ng hay dia diem dO, tuS7 theo throng hop nao xay trugc, hoac 3.4.2 neu hang hoa dugc giri di pham vi sau muai (60) (hoac bat kS7 pham vi ma rOng nao da th6a thuan) de tai nai nhan hang ,c6 ten ghi Hap dong bao hiem va/hoac Giay chirng nhan bao hiem hay tgi bat 14 nai nhan hang nao khac thi bao hiem se ket thilc theo quy dinh tai cac khoan 3.1, 3.2 va 3.3 tren day 3.5 Neu sau bao hiem 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 cho MIC bang van ban va dugc MIC chap thuan vgi mire phi va dieu kien bao hiem thoa thuan rieng Di&I 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 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 thgi gian co hieu luc,cita bao hiem ca ton that da xay tnrgc hop dong bac, hiem dugc ky ket, trd ngugi dugc bao hiem da biet va MIC khong biet ve ton that dO 4.3 Neu hau qua xd 1y mot rni ro thuOc pham vi bao hiem ma hanh trinh dugc bao hiem phai ket,thdc tai mot Cang hoac mot nai khong phai nai nhan c6 ten ghi 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 mot cach hop ly va th6a clang de da hang, luu kho va giri hang tgi nai nhan theo bao hiem Khoan 4.3 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 den day va kh6ng bao g6m nhirng chi phi phat, sinh sai bat can, to tinh 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 kh6ng bei thugng ton that toan b6 uOc tinh t r 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 co the vuo-t qua gia tri hang 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 thi gia tri thoa thuan dm hang Ma dugc coi nhu,da gia tang bang tong so tien,bao,hiem cda bao hiem va tat ca cac bao hiem ye gia tri tang them bao hiem ton that va trach nhiem thu6c pham vi bao hiem phai,dugctinh theo tS/ le gida so tien bao hiem co bao hiem chia cho so tngtien bao hiem da not tgi MIC/HH/ICC-A 4/6 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 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 bao hiem goc va tat ca nhang bao hiem gia tri tang them 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 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 Quyen lgi bao hiem Bao hiem khong bao hiem 10 ich cita nguari chuyen cho hay nguari nhan hang hod nao khac Dieu 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 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 tri va thuc hien thoa clang va MIC, ngoai trach nhiem d6i vii ton that thuc pham vi bOi thuOng cua bao hiem nay, phai hoan tra nguoi dugc bao hiem moi khoan chi phi cla chi mot cach hop 1)'7 va thoa Bang thgc hien nhang nhiem vu 6.2 Moi bien phap ngueri dugc bao hiem hoac 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 Tranh ch'am trg Bac) hiem dat dieu kin nguOi dugc bao hiem phai hanh dOng khan tnrong hop 1)"7 moi tinh huong pham vi kiem soat cua ho Dieu 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 su kin bao hiem, trir truerng hop cham tre 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 MIC/HH/ICC-A tir thOi 5/6 'Inc 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 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" GHI CHO: Nguiri Ave, bao theo bao hiem phai thong bao cho MIC va quyen 191 doi vol bao hiem coo se" phy thuk vao viec thy.c hien nghia vu VA DAI DIEN THA HIEM QUAN 1,),V TONG CONG TONG i7~ PHO TONG GIAM D6C PHU TRACH Ye ,i11,4( J u MIC/HH/ICC-A 6/6