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CONG HOA XA HOI CHU NGHIA VIET NAM

D(ic lap - Tv do - Hanh phtic


BAO HIEM QUAN DOI
S6: 145/2014/QD-MIC Ha N0i, ngay 10 thong 01 nom 2014

QUYET DINH
Ve v* ban hanh Quy tic chung boo hiem hang hOa van chuyen dfferng bien

TONG GIAM DOC


TONG CONG TY CO PHAN BAO HIEM QUAN DOI

Can cir Luat kinh doanh boo hiem s6 24/2000/QH10 ngay 09/12/2000 va Luat
sira doi b6 sung mot so dieu cua Lust kinh doanh boo hiem so 61/2010/QH12 ngdy
24/11/2010;
Can cir Giay phep thanh lap va hoot d6ng s6 43GP/KDBH ngdy 08/10/2007 ctia
Bo Tai chinh va cac Giay phep dieu chinh cua B6 Tai chinh;
Can cir Dieu le to chirc va hoot d6ng cila Tong cong ty Co phan Bao hiem Quan
d6i (MIC);
Theo de nghi cua Giam d6c Ban boo hiem Hang hai,

QUYET DINH:

Dieu 1. Ban hanh kern theo Quyet dinh nay "Quy tic chung boo hiem hang h6a
van chuyen cluang bien ".
Dieu 2. Quyet dinh nay di hieu luc ke tir ngay k va thay the Quyet dinh s6
30/2007/QD-MIC ngay 24/10/2007 cUa TGD Cong ty. CP Bao hiem Quan d6i.
Dieu 3. Giam d6c Ban boo hiem Hang hai, Giam d6c cac Ban, Trung tam lien
quan thu6c HOi sa MIC, Giam doc cac darn vi trrc thu6c MIC va cac to chirc, ca nhan
c6 lien quan chiu trach nhiem thi hanh Quyet
- c • /-
Nei nhezn: TONG C
- Nhu Di'au 3;
- HDQT, BKS;
- Ban TGD;
- Lau: VT, HH.

PH6 TONG GIAM DOC PHU TRACH

Ye AA/1'461i

T6ng cong ty Co phan Bao hiem Quin cl(ii


Dia chi: Tang 9&1O, Toa nha MB, so 3 Li6'u Giai, Ba Dinh, Ha N'Oi
Dien thoO: (84-4) 6285 3388 * Fax: (84-4) 6285 3366
Email: info mic.vn * Website: www.mic.vn
nic
I
BAO 1141EM CPUAP1 001

QUY TAC CHUNG


BAO HIEM HANG HOA VAN CHUYEN DUOING BIEN
(Ban hanh theo Quy& clinh so 145/2014/QD-MIC ngay 10 theing 01 nom 2014 clia
Tong cong ty co phan bao hiem Quon clOi)

Quy tac chung nay ap dung cho viec bao hiem hang hoa van chuyen bang duemg bien
bao g6m gia tri hang h6a, lai ugc tinh (neu co), phi bao hiem, mac phi va cac chi phi
khac lien quan. Quy tac bao hiem nay con c6 the ap dung cho ca viec bao hiem hang
h6a van chuyen not tiep bang dung b0, duemg sat, duemg song hoac dtrOng hang
khong.
Dieu 1. Pham vi bao hiem
1.1. Hop d6ng bao hiem c6 the dugc ky ket theo mot trong nhiing dieu kien sau day:
1.1.1. Dieu kien A: Theo dieu kien nay, T6ng cong ty Co phan Bao hiem Quan
dOi (duari day goi la MIC) chiu trach nhiem ve moi rui ro gay ra mat mat,
hu hong cho hang h6a dugc bao hiem, trir nhang truerng hgp loai trir da
quy dinh tai Dieu 2 clued day.
1.1.2. Dieu kien B: Trir nhang tnremg hop loai trix da quy dinh tai Dieu 2 dugi
day, theo dieu kien nay, MIC chiu trach nhiem doi yeti:
1.1.2.1. Nhang mat mat, hu hong xay ra cho hang hoa dugc bao hiem
co the quy hop ly cho:
a) Chay hoac n6;
b) Tau hay sa lan bi mac can, dam hoac Fat up;
c) Tau dam va nhau hoac tau, sa lan hay phuang tien van tai
dam va phai bat 14 vat the gi ben ngodi khong ke ntr6c;
d) D6 hang tai mot cong not tau gap non;
e) Phucmg tien van tai duemg bo bi lot d6 hoac tat banh;
DOng dat, nisi lira phun hoac set danh.
1.1.2.2. Nhang mat mat, hu h6ng xay ra d6i vai hang hoa dtrgc bao
hiern do cac nguyen nhan sau:
a) Hy sinh ton that chung;
b) Nem hang khoi tau hoac nugc cu6n khoi tau;
c) Ntrac bien, mac h6 hay ntrac song chay vao tau, sa lan,
ham hang, phuang tien van chuyen, container hoac nai
china hang.
1.1.2.3. T6n that town b0 ciia bat 14 kien hang nao rai khoi tau hoac rai
trong khi dang xep hang len hay dang da hang khoi tau hoac
sa lan.

MIC/HH/QTC 1/13
"IC
BAH) HIEM (YUAN 001

1.1.2.4. Hang hoa dugc bao hiem bi mat do tau hoac phucrng tien cher
hang bi mat tich.
1.1.3. Di'L kien C: Trir nhimg tnrong hop loci trir der quy dinh tai DiL 2 duai
day, theo dieu kien nay MIC chiu trach nhiem dOi vOi:
1.1.3.1. Nhang mat mat, flu hong xay ra cho hang hoa duct bao hiem
co the quy hop bri cho:
a) Chay hoac no;
b) Tau hay sa lan bi mac can, dam hoac lat up;
c) Tau dam va vao nhau hoac tau, sa Ian hay phuong tien van
tai dam va phai bat kji vat the gi ben ngodi khong ke nuerc;
d) Da hang tai mot tang nai tau gap nan;
e) Phuong tien van tai &rang bo bi lat dO, hoac tat banh.
1.1.3.2. Nhimg mat mat, hu hong xay ra d6i vo-i hang h6a duct bao
hiem do cac nguyen nhan sau gay ra:
a) Hy sink ton that chung;
b) Nem hang khoi tau.
1.1.3.3. Hang h6a dugc bao hi6rn bi mat do tau hoac phuong tien cher
hang bi mat tich.
1.2. Du hang h6a dugc bao hiem theo di'uskien "A",, "B" hoac "C" trong truang
hop, MIC con phai chiu trach nhiem vg nhun ton that va chi phi sau day:
1.2.1. TOn that chung va chi phi c.iru hO dugc dieu chinh hay xac dinh bang hop
&Ong chuyen cher va/hoac theo luat phap va tap quan, hienhanh, der &lac
chi ra nham tranh hay lien quan den viec tranh kh6i ton that co the xay ra
do bat kSr nguyen nhan nao trir nhung twang hop der loci trir tai Dieu 2
cua Quy tac bao hiem nay hay nhimg truang hop der loai trir khac quy
dinh trong hop dOng bao hiem. Tuy nhien, khi cep ton that chung ngtrai
dugc bao hiem can hoi y kien MIC trirac khi ke khai va 14/ cam ket ton
that chung.
1.2.2. Nhang chi phi va tien ding hop 1)",, ma ngueri dugc bao hiem, nguai lam
cong va dai 1)"7 caa ho der chi nham ph6ng tranh hoac giam nhe ton that
cho hang h6a dugc bao hiem de doi b6i thuemg va kien ngued chuyen
cho., ngired nhan fly that hangh6a hay ngtrai thir ba nao khac, dieu
kien nhung chi phi va tien cong nay phai dugc han trong pham vi
nhung ton that thuOc trach nhiem cda MIC.
1.2.3. Nhang chi phi hop 1).7 cho viec do hang, luu kho va giri tip hang h6a
dugc bao hiem tai tang doc &rang hay tang lank nan do hau qua cua
mot rai ro thuOc pham vi hop dong bao hiem.
1.2.4. Nhimg chi phi hop 1)"/ cho viec gia.m dinh va xac dinh so ton that ma MIC
phai chiu trach nhiem boi thuong.

MIC/HH/QTC 2/13
BAO HIgm QUAN o(n
1.2.5. Phan trach nhiem thu6c Dieu khoan "Tau dam va nhau doi ben tang chiu
trach nhiem" ghi trong hop dOng van chuyen dugc coi nhu mOt loai ton
that thuOc pham vi trach nhiem boi thutmg cila MIC. Trong truang hop
chit tau khieu nai theo Dieu khoan dO thi nguoi dugc bao hiem c6 trach
nhiem thong bao cho MIC biet, MIC danh quyen bao ve ngutsi dugc bao
hiem, chong lai viec khieu nai cira chit tau va to chiu cac phi ton.
1.3. Trong truang hop Jiang h6a dugc bao hiem theo dieu kien "B" hay "C", neu
ngutti dugc bao hiem yeti cau thi MIC c6 the nhan trach nhiem bao hiem them
mOt hay nhieu loai rui ro phu clued day voi dieu kien phai tra them phi bao hiem
theo them thuan:
1.3.1. Riti ro tr6m cap va/hoac khong giao hang;
1.3.2. T6n that do nhUng hanh vi ac y hay pha hoai gay ra;
1.3.3. Thiel hai do nuac mua, nuOc ng9t;
1.3.4. Va dap phai hang hoa khac;
1.3.5. Gi va Oxy He;
1.3.6. Va, cong va/ho4c bep, mop meo;
1.3.7. RO ri ho4c thieu but hang h6a;
1.3.8. Thiet hai do mac cau hang;
1.3.9. Day ban do au va/hoac ma;
1.3.10.Va nhimg ru.i ro phu khac tuong tit.
1.4. MIC khong chiu trach nhiem b6i thutmg nhimg mat mat, hu h6ng xay ra cho
hang hoa xep ten boong tau trai vai tap quan thuong mai. Doi voi hang xep
tren boong phit hop vai tap quan thuang mai chi co the dugc bao hiem theo
dieu kien "C".
1.5. Neu theo tap quan dia phucmg can phai sir dung sa lan, hoac cac phuang tin
van chuyen khac de chuyen cher hang hoa dugc bao hiem tir tau bien vao bo
hoac ngugc lai, MIC ding se chiu trach nhiem dOi vai rui ro ye sa lan nhu der
quy dinh tai, Dieu nay yeti dieu kien nguati dugc bao hiem phai thong bao truck
cho MIC biet ve nhang thay doi do va nOp them phi bao hiem theo th6a thuan.
Tuy nhien, quy dinh nay khong bao g6m trutmg hgp sa lan dung vao viec chira
hang hoa ngoai qua trinh van chuyen Binh thutmg.
Dieu 2. Lo3i trir bao hiem
2.1. Trir khi co them thuan khac, MIC se khong chiu trach nhiem d6i
2.1.1. Nhang mat mat, hu h6ng hay chi phi gay ra
2.1.1.1. Chien tranh, nOi chien, cach mang, khtri nghia, phan loan hoac
quan chimg not day khi xay ra nhQng bien co, nay hoac do bat
IcS7 hanh dOng thu dich nao khac cira mot the luc tham chien
hay chong lai the luc do;
2.1.1.2. Viec chiem, bat gift, cam gift tai san hoac kiem ,che (trir khi do
cu6p bien va trong tnreng hop dang ap dung dieu kien "A") va

3/13
MIC/HH/QTC
MIC
Etho H1km QUAN 001

hau qua hay bat kY muu toan nao phat sinh tir nhang su vi8c
nay;
2.1.1.3. Min, thiiy loi, born hay nhang vu khi chin tranh khac Bang
tr6i dat.
2.1.2. Nhang mat mat, hu h6ng hay chi phi:
2.1.2.1. Do nhang ngugi dinh cong hay ding nhan bi cam xuerng,
nhang nguai tham gia cac vu gay r6i trong lao Ong, pha r6i
tat to hoac bao clOng gay ra;
2.1.2.2. La hau qua tir cac cue)c dinh cong, cam xuarng, gay roi trong
lao Ong, pha r6i tat to hoac bao clOng;
2.1.2.3. Do bat IcY Ice killing be) nao hoac do bat kY ngugi nao clang
hanh clang vi mot ly do chinh tri nao gay ra.
2.1.3. Nining mat mat, hu, hOng hay chi phi phat sinh tir vi8c sir dung bat ky
mot loci khi chien tranh nao c6 sir dung nang luting nguyen tir, hat
nhan va/hoac phan Ung hat nhan, phong x4 tucrng tu.
2.1.4. Nhi'mg mat mat, hu hOng hay chi phi do khuy8t tat von c6 hoac do tinh
chat dac this cua loci hang hoa dugc bao hiem.
2.1.5. Hang hoa hay mot 1)0 phan clia hang h6a bi hu hai hay bi pha huy co chu
tam do hanh &Ong sai lam dm bat kY ngugi nao gay ra. Khoan 2.1.5 nay
kh6ng dp dung trong truang hop bao hiem theo dieu kin "A".
2.2. Trong mai truong hop MX khong chin trach nhi8'm d6i
2.2.1. Nhung mat mat, hu hong hay chi phi dugc quy la do hanh vi xau co y
caa ngugi dugc bao hiem.
2.2.2. Nhang mat mat, hu hong hay chi phi co nguyen nhan truc ti8p do cham
tr& du cham trj xay ra la do mot rui ro dugc bao hiem (trir nhang chi phi
dugc b6i thugng theo diem 1.2.1 khoan 1.2 Dieu 1 cua Quy tac bao hiem
nay).
2.2.3. Nhang mat mat, hu h6ng hay chi phi phat sinh do tau hoac sa lan khong
clu kha nang di Hen va do tau, sa lan, phucmg tin van chuyen hoac
container khong thich hop cho vi8c chuyen char hang an toan ,neu nguari
dirge bao hiem hay nhung nguad lam cong cho ho dugc biet ri'eng ve
trang thai khOng du kha nang di bien hay khong thich hop dO vao thai
gian bac xep hang Ma.
2.2.4. Nhang mat mat, hu h6ng hay , chi phi phat sinh do vi8e dOng gOi hoac
chuan bi hang h6a dugc bao hiem khong day du hoac khong thich hop va
do vi8c xep hang hong len tau.
2.2.5. Hang h6a dugc bao hiem bi re) chary thong thuarng, hao but trong luting
hay giam the tich thong thlrong, hoac hao mon to nhien.
2.2.6. Nhang mat mat, hu hong hay chi phi phat sinh do chil tau, nguari quan
ly,, ngugi thue hay ngugi dieu hanh tau khong tra dugc ng hoac thieu
than v8s tai chinh gay ra.

4/13
MIC/HH/QTC
n ic
EtAo NEESE oukaz off,"

2.2.7. Xep hang qua tai doi veri hang cher nguyen chuyen.
Dieu 3. BAt dau va ket thtic trach nhilem bao hiem
3.1. Trach nhiem bao hiem bat dau CO hieu lire tin khi hang hod dugc baohiem rai
kho hoac nai china hang tai dia diem ghi trong hop Sing bao hiem de bat dau
van chuyen va tiep tuc co hieu lire trong Riot qua trinh van chuyen binh thuang.
Trach nhiem bao hiem ket thud tai mot trong so the alai diem sau day, tuy theo
twang hop nao xay ra truerc:
3.1.1. Khi giao hang vao kho hay nai chira hang cu6i ding cua nguai nhan
hang hoac cua mot nguai nao khac tai nai nhan co ten ghi trong hop
dong bao hiem, hoac
3.1.2. Khi giao hang cho bat kY kho hay nai chira hang nao khac, du truck khi
teti hay tai nai nhan ghi trong hop dong bao hiem ma nguai dugc bao
hiem chon dimg lam:
3.1.2.1. Nai Chia hay phan phi hang, hoac
3.1.2.2. Nai chira hang ngodi qua trinh van chuyen binh thuang, hoac
3.1.3. Khi het han sau muoi (60) ngdy sau khi hoan thanh viec der hang hod bac)
hiem khoi tau bien tai cang der hang cuoi ding ghi trong hop (long bao
hiem.
3.2. Neu sau khi der' hang khoi tau bien tai cang der hang cuiSi ding nhtmg ft-tr.& khi
ket thud bao hiem, hang hod throe giri teri mot nai nhan hang khong clung vai 5
dia diem nhan hang ghi trong hop clang bao hiem thi bao hiem nay, trong khi
van tuan theo quy dinh ve ket th6c trach nhiem bao hiem nOi tren, se khong mo.
ri)ng qua giai han ke tin khi thay d6i hanh trinh van chuyen de tad nai nhan
hang khac dO.
3.3. Bao hiem nay gift nguyen hieu lire (phu thtgic vao quy dinh ve ket thitc hieu lire
bao hiem neu tren va quy Binh tai khoan 3.4 duai day) trong khi bi cham tre
ngoai kha nang kiem soat etia nguai dugc bao hiem, khi tau chay chech huang
bat ky, khi der hang bat buiic, xep lai hang hoac chuyen tai va trong khi co bat
ky thay &pi nao ve hanh trinh xuat phat tit viec thud hien mot quyen to do ma
hop dong chuyen cher der gianh cho chU tau hoac nguai thue tau.
3.4. Neu do nhcing tinh hung ngodi kha nang kiem soat ctia nguai dugc bao hiem
ma hop dong van chuyen ket thlic tai mot cang hay mot nai khong dung dia
diem nhan hang ghi trong hop dong bao hiem hoac viec van chuyen dugc ket
thud theo each khac truac khi giao hang nhu quy Binh tai cac khoan 3.1, 3.2 va
3.3 tren day thi hieu luc bao hiem, ciing ket thud trir,khi c6 giay bao gui ngay
cho MIC yeu cau tiep tuc bao hiem trong khi bao hiem van con hieu ltre, veri
clieu kien MIC chap nhan va nguai dugc bao hiem phai tra them phi bao hiem
neu co yeu cau. Twang hap tiep tuc bao hiem nhu very, bao hiem nay se duy tri
hieu
3.4.1. Cho tad khi hang dugc dem ban va dugc giao tai cang hoac dia diem cI6,
hoac trit khi co them thuan rieng khac, cho teri khi het han sau muai (60)

MIC/HH/QTC 5/13
0120 HIEM 01110N 001

3.4.2 Neu hang hod duqc giri di trong pham vi sau, muai (60) ngay dO (hoac
bat lcSi pham vi r6ng nao da thoa thuan) de tai nai nhan hang có ten
ghi trong hop cl'Ong bao hiem hay tai bat kS7 nai nhan hang nao khac thi
bao hiem nay se ket thUc theo nhting quy dinh tai cdc khoan 3.1, 3.2 va
3.3 ten day.
3.5. Tnremg hop hanh trinh bao hiem c6 ca quang van chuyen cluang song hay
duang bo thi trach nhiem bao hiem chi giai han nhung rui ro tuong frng \Tad
dieu kien ghi tren hop long bao hiem. Rieng vai tnrerng hop co van chuyen
bang dung hang kh8ng, trach nhiem bao hiem se giai han theo dieu khoan hien
hanh ye bao hiem hang hOa van chuyen bang dueng hang khong cila HOC vien
bao hiem Luan Don. Trong tat ca truang hap tren, ngueri dugc bao hiem deu
phai giay bao tnrac cho MIC va phai tra them phi bao hiem neu c6 yeu eau.
Dieu 4. KS7 ket Hop citing bao hiem
4.1. Khi co nhu cau bao hiem, nguai c6 nhu cau phai lam giAy yeu cau bao hiem
trong dO ghi r6 cac chi tier sau day:
4.1.1. Ten nguai dugc bao hiem;
4.1.2. Ten hang hoa can dugc bao hiem;
4.1.3. Loai bao bi, cach dOng goi va ky ma hieu ciia hang hoa dugc bao hiem;
4.1.4. Trong luting hay s6 lacing hang hoa duqc bao hiem;
4.1.5. Ten tau bien hoac loci phuong tien van chuyen;
4.1.6. Cach thirc xep hang (tren boong, duOi ham tau, cha rai...);
4.1.7. Noi bat dau van chuyen, chuyen tai va noi nhan hang hoa dugc bao
hiem;
4.1.8. Ngay thang phuong tien cha hang dugc bao hiem rai ben;
4.1.9. Gia tri hang hoa dugc bao hiem va so tien bao hiem;
4.1.10.Dieu kien bao hiem;
4.1.11.Nai thanh town b6i thuemg.
Ngoai ra, nguai c6 nhu cau bao, hiem can phai bao cho MIC biet nhang tinh
huongsquan trong khac ma ho biet a ailap cho MIC danh gia rdi ro. Neu khi kSr
hop dong bao hiem, ngueri c6 nhu cau bao hiem chua the cung cap day du
nhang thong tin can , thiet nOi tren thi ho co trach nhiem bao tiep cho MIC
nhang chi tiet con thieu ngay khi ho duqc biet.
4.2. Hop d6ng bao hiem coi nhu da duqc ky ket khi MIC chap nhan bao hiem bang
van ban. MIC se can dr vao GiAy yeu cau bao hiem de cap Hap d6rig bao hiem
va/hoac Giay chirng nhan bao hiem.
4.3. Ngueri dugc bao hiem phai thanh town phi bao hiem cho MIC ngay sau khi nhan
Hgp (tong bao hiem va/hoac Giay chirng ,nhanbao hiem. MIC chi b6i thuang
khi da phi bao hiem tnrac khi ton that xay ra (trir khi CO thoa thuan
khac bang van ban).

6/13
MIC/HH/QTC
HI IC
BAO 1111gM 0U0N 001

4.4. Neu sau khi h9p d6rig bao hiem dugc ky ket ma co bat kS, six thay doi nao ve rui
ro dugc bao hiem,,dac biOt neu vi thay doi do ma lam tang them nguy hiem thi
nguoi dugc bao hiem co trach nhiem thOng bao cho MIC biet nhung thay doi dO
ngay khi 119 dugc biet.
Khi nhan dugc thong bao nay, MIC se cap Giay sira doi, 1316 sung va co the can
cir vao su viec thay dOi dO ma yeu cau nguOi dugc bao hiem tra them phi bao
hiem.
4.5. Neu nguai dugc bao hiem khai bao sai hoac giau giem nhung diem neu trong
Giay you cau bao hiem hay nhung su viec thay dOi lien quan den rui ro dugc
bao hiem, thi MIC dugc mien mOt phan, hoac toan b0 trach nhiOm quy dinh
trong hop dong bao hiem ma van co quyen nhan phi bao hiem.
4.6. Neu hop d6rig bao hiem dugc ky ket khi da xay ra ton thk trong ph4m vi trach
nhiem cua hgp dong thi hgp (long van giir nguyen gia tri neu nguai dugc bao
hiem kh6ng hay biet gi ve viec do. Nhung neu nguOri dugc bao hiem ,da biet
viec do roi, MIC se khOng chiu trach nhiemboi thuang ma van c6 quyen nhan
phi bao hiem.
Neu hgp d6ng bao hiem dugc k5r ket khi hang boa dugc bao hiem da an toan ve
den nth nhan ghi tong hop d8ng bao hiem thi hgp dong van gift nguyen gia
neu MIC khong hay biet gi ve viec dO. Nhung neu MIC da biet viec do rOi thi
hgp &rig bao hiem se mat hieu ltc va MIC phai hoan 14i cho nguari dugc bao
hiem toan Ix) so phi bao hiem ma MIC da than dugc.
4.7. Hap ding bao hiem va/hoac Giay chimg nhan bao hiem co the dugc chuyen
nhugng cho mOt ngusth khac co quyen lgi bao hiem sau khi ngueri dugc bao
hiem hay 41 dien co tham quyen cua h9 ghi ro viec chuyen nhugng nay va k57
mat sau Hap (long bao hiem va/hoac Giay chirng nhan bao hiem.
Dieu 5. Gia tri bac) hiem va so tien bao Mem
5.1. S6 tien bao hiem cila hang h6a dugc bao hiem phai la gia tri dm hang hoa do
nguari dugc bao hi8m ke khai va dugc MIC thin nhan.
5.2. Neu nguiyi dugc bao hiem khong khai bao dugc s6 tien bao hiem thi c6 the Ai)
ching cach tinh gia tri bao hiem nhu sau: Gia tri bao hiem bao gom gia tien hang
ghi tren hoa don ban hang (hoac gia hang thuc to tai nth giri hang neu kh6ng c6
hoa don) cong chi phi van chuyen va phi bao hiem.
5.3. Trir khi co thoa thuan khac, trong s6 tien bao hiem khai bao, nguai dugc bao
hiem co the tinh gOp ca tien lai uac tinh. Tuy nhien tien lai nay kh6ng dugc
vugt qua 10% gia tri bao hiem.
5.4. Neu s6 tien bao hem ciia hang hoa thap ham gia tri bao hiem thi MIC se b6i
throng nhfrng mat mat, hu hang NIA cac chi phi da quy dinh a cac diem 1.2.1 va
1.2.2 khoan 1.2 Dieu 1 cua Quy tac bao hiem nay theo t-S7 lO gift so tien bao
hiem va gia tri bao hiem.
Neu s6 tien bap hiem cila hang hoa cao hon gia tri bao hiem thi phan cao hcm
do khong dugc thira nhan.
Dieu 6. Bao hiem trnong vi bao hiem gia tri tang them

7/13
MIC/HH/QTC
memo Hikm Quit,/ DOI
6.1. Neu cling nit so hang ma dem bao hiem vari nhieu doanh nghiep bao hiem va
neu tong cua nhang so tien bao hiem,vtrat qua gia tri bao hiem thi trach nhiem
ctla tat ca nhirng doanh nghiep bao hiem cling chi giai han gia tri bao hiem va
trach nhiem cua moi doanh nghiep ,bao hiem dugc tinh theo t-Sr le Oita so tien
bao hiem rieng va tong cda nhfing so tien bao hiem.
Neu trach nhiem bao hiem chua bat dau thi ngugi dugc bao hiem c6 the yeu cau
fitly b6 hop &Ong bao hiem hoac giam bat so tien bao hiem va doi hoan lai phan
phi bao hiem tuang ling. Trong twang hop hily b6 hop dong, MIC co quyen
yeu cau ngugi dugc bao hiem n6p du thli tuc phi.
6.2. Neu ngugi dugc bao hiem tien hanh bao hiem gia tri tang them cho hang h6a
&lac bao hiem thu6c hop dong bao hiem nay thi gia tri th6a thuan oda hang hoa
phai dugc coi nhu da gia tang thanh tong so tien bao hiem theo hop &rig bao
hiem nay cong vai tat ca cac khoan bao hiem ve gia tri tang them de bao hiem
ton that. Khi c16, trach nhiem thu6c pham vi bao hiem nay phai ,dtractinh theo
ty le gifra so tien bao hiem thu6c hop !Jong bao hiem nay va tong so tien bao
hiem not tren.
Throng hop c6 khieu nai, nguai dugc bao hiem phai cung cap cho MIC bang
chirng ve nhUng so tien bao hiem thu6c tat ca cac bao hiem Ichac.
Dieu 7. Hqp (Icing bao hiem bao
7.1. Ngtrgi dugc bao hiem c6 the 1c)", ket trubc vari MIC mot hop d6ng bao hiem bao
cho nhung hang h6a can dugc bao hiem, trong, do ghi rO ten hang dugc bao
hiem, loai tau cha hang, cach tinh tri bao hiem dia hang, so tien bao hiem
tai da cho moi chuyen hang, dieu kien bao hiem, tSr le phi bao hiem va nhQng
van de lien quan khac da dugc th6a thuan giva hai ben.
7.2. Khi bat claticep hang len tau hay khi nhan dugc th6ng bao 'cep hang, nguai
dugc bao hiem phai thong bao cho MIC biet cang sam cang tot moi tinh hinh
ma MIC can biet, tuy nhien viec thong bao nay phai dugc thuc hien truac khi
tau bat dau dO. 16 hang dau tien tai cang den cuOi ding ghi tren hap dong bao
hiem.
Neu truerc khi thOng bao ma hang hoa da bi mat mat, hu hong thu6c pham vi
bao hiem thi MIC van co trach nhiem boi thtrang. Ti8n boi thugng se dugc tinh
theo nguyen tac xac dinh gia tri bao hiem nhu da quy dinh trong hop dong bao
hiem.
7.3. Neu nguai &rot bao hiem coy khong thong bao hoac thong bao khong kip thgi
hay sai lech, thi MIC co quyen ket thiic hop Tong ngay khiphat hien su viec do
va thu toan to0 so phi bao hiem phai tra truac khi hop (long ket
7.4. Theo yeu cau clia ngugi dugc bao hiem, MIC CO the cap Hop bao hiem
hay Giay cht:mg nhan bao hiem rieng cho tong chuyen hang. Neu Neu n6i dung cda
chling tir cap rieng nay kh6ng phu hop vai not dung hap dong bao hiem bao thi
se can dr vao thing tir cap rieng de giai quyet.
Dieu 8. Nghia vu ctia ngtroi dugc bao hiem khi xay ra ton that
8.1. Trong truerng hop xay ra ton that cho hang h6a thu6c pham vi trach nhiem hop
Tang bao hiem, nguai dugc bao hiem phai thong bao ngay cho MIC hay dai 1/

MIC/HH/QTC 8/13
BAO HIEM QUAN 001

giam dinh dugc MIC chi dinh (neu co) bang phuang tien nhanh nhat trong yang
24 gig, va bang van ban cho MIC trong yang 03 ngay ke tir thai diem phat hien
ton that. Neu MIC khong CO dai lY dia phuang thi ngugi dugc bag hiem CO the
yeu cau giam dinh vien c6 clang Icy a not do den giam dinh sau khi dugc su
chap thuan cua MIC.
Trtr khi tnrac do da c6 mot th6a thuAn khac, MIC c6 quyen tiz ch6i giai quy&
mot vu khieu nai khong dugc chirng minh bang bien ban giam dinh.
8.2. Khi xay ra mat mat, hu hong thu6c pham vi trach nhiem hop d6ng bao hiem,
ngueri dugc bao hiem hay dai ly cua ho phai tien hanh moi bien phap c6 the
thuc hien dugc nham phang tranh hoac giam nhe ton that cho hang hoa dugc
bao hiem. MIC se khong chiu trach nhiem boi thutmg cho nhang mat mat hu
hong xay ra do phia ngugi dugc bao hiem khong chap hanh day du nghia vu
cna ho nhu da quy dinh trong Dieu nay.
8.3. Khi xay ra ton that thuc pham vi trach nhiem cda hap d6ng bao hiem, MIC co
the to minh hoac chi dIn cho ngueri dugc bao hiem tham gia cong viec cdu h6
va bao ve hang hoa dugc bao hiem.
8.4. Bat kY bien phap nao not den do MIC hay nguai dugc bao hiem tien hanh deu
khong the coi la dau hieu khuac tir hay chap nhan viec tir b6 hang hoa.
8.5. Trong moi truang hop, nguai dugc bao Mem hay dai ly cua ho co trach nhiem
dam bao thuc hien va bao lu-u day du cho MIC quyen khieu nai doi vai ngueri
chuyen cher, ngutri nhan lay thac hang hoa hay nguai thd ba khac. Dac biet
ngutri dugc bao hiem hay dai 1)", cna ho can lam theo nhimg quy dinh sau day:
8.5.1. Khieu nai ngay nguai van chuyen, chinh quyen cang hay nhang nguai
nhan ny thac hang ye bat IcS, kien hang nao bi mat.
8.5.2. Yeu cau dai dien nguai chuyen cha hay ngugi nhan tly thac hang hod
tham gia viec chirng kien giam dinh ngay khi phat hien hang hoa co hien
tuong matat,
m hong va qua giam dinh neu thay thuc to c6 ton that thi
phai lap ho so khieu nai ho.
8.5.3. Trd khi da c6 thu khang nghi, trong moi twang hop khong dugc cap
giay bien nhan hoan chinh cho nhang hang hga co hien tugng nghi nga
bi ton that.
8.5.4. Giri giay bao cho dai dien ngueri chuyen cha hay ngutri nhan fly thac
hang h6a trong yang ba (03) ngdy sau khi nhan hang neu ton that thuc
loai kho phat hien vao thai gian nhan hang.
Neu ngued dugc bao hiem khong thuc hien day du nghia vu nhu da quy
dinh trong Dieu nay, MIC co quyen tir choi nhutig khieu nai thuc trach
nhiem ngued chuyen cha, nguai nhan uy thac hang Me hay nguai thin ba
khac.
8.6. De doi b6i thuerng, ngugi khieu nai phai co quyen lgi c6 the dugc bao hiem doi
vai doi Wang bao hiem vao thai gian xay ra ton that va da thuc su chiu ton that
thgc to do. Khi doi MIC b6i thug:rig ve nhang,mat mat hOng thuc trach
nhiem hop dong bao hiem, ngueri dugc bao hiem can n6p da nhQng giay ter
chimg minh, trong do tong twang hop lien quan phai co:

MIC/HH/QTC 9/13
BA° HIEM QUAN Doi

8.6.1. Ban chinh ctia Hop dang bao hiem va/hoac Giay chimg nhan bao hiem;
8.6.2. Ban chinh hoac ban sao h6a don giri hang, kern theo ban ke chi tiet hang
hoa va/hoac phieu ghi trong luting;
8.6.3. Ban chinh cda van tai don va/hoac hop clang chuyen cha cac loci;
8.6.4. Bien ban giarn dinh va chimg tir tai lieu khac ghi ro mirc TO tan that;
8.6.5. Giay bien nhan hoac giAy chimg nhan thu giao hang va phieu ghi trong
luting tai nai nhan cuoi
8.6.6. Ban sao bao cao hai su va/hoac trich sao nhat ky hang hai;
8.6.7. Cong van thu to trao doi vOi ngfrai chuyen cha va cac ben khac ve trach
nhiem caa ho doi vai ton that;
8.6.8. Thu dai bai thuang;
8.6.9. Cac chimg tir khac lien quan den Ichieu nai.
Dieu 9. Xac dinh ton thAt
9.1. Tan that toan 13.0 neu trong Quy tac bao hiem nay bao gam tan that toan 130 thuc
te va ton that toan b0 ix& tinh.
9.1.1. Khi xay ra ink mat, hu h6ng thuc pham vi trach nhiem cua hop dang
bao hiem, neu hang hoa dugc bao hiem bi pha htly hoan toan hay hu
hong nghiem trong tOi mire khOng can la vat pham vo7 tinh chat ban dau
clia no hoac nguoi dugc bao hiem bi mat han quyen ser hal hang hoa thi
dugc coi la ton that toan 1)0 thuc te.
9.1.2. Khi hang h6a dugc bao hiem bi .mat mat hay hu hong thuc pham vi
trach nhiem dm hap clang bao hiem, neu xet thay khong tranh khoi ton
that toan b0 dux te hoac do cac chi phi ci:ru hang, chi phi chinh lY va gin
hang den nai n.han ghi trong hap Tong bao hiern co the vugt qua gia tri
hang khi tad nai nhan (16, thi dugc coi la ton that toan b0 trot tinh.
9.2. BAt ky tnrang hop mat mat hay hu hong nao khong thuc tan that da neu
khoan 9.1 Dieu nay deu dugc coi la ton that 1)0 phan.
9.3. Neu tau cha hang bi mat tich thi hang hoa dugc bao hiem se dugc coi la tan that
toan 1)0 thuc te.
Tau 60 hang dugc coi la malt tich khi kh6ng to i dugc ben den (nai den ghi
trong hop clong bao hiem) va cling khong c6 tin tire gi, ve died gian thi da,qua
ba lan,quang tiled gian can thiet cho tau di dia diem dimg lai cuoi ding de tai
ben den. Tuy nhien, thOi gian can thiet de xac dinh viec mat tich tau khong
dugc it han ba (3) thang. Neu viec thong bao tin tirc bi anh hating boi chitin
tranh hoac nhfing hog Ong quan su thi thai han not ten dugc doi thanh sau (6)
thong.
Dieu 10. Cach tinh va thanh than bei thuong
10.1. Truang hop hang h6a bao hiem bi tan that b0 phan, so tin bai thuang dugc xac
dinh bang cach lay so chenh lech gifia tong gia tri cila hang khi can nguyen ven

MIC/HH/QTC 10/13
BAO HIEM QUAN DOl

va tong gia tri hang h6a con lai sau khi da bi ton that tai nai nhAn hang ten co
ser tY le gida s6 tien bao hiem va gia tri bao hiem.
10.2. Tnrang hop co ton that chung thu(ic pham vi trach nhiem hap d6ng bao hiem
thi s6 tien dOng gOp ton that chung cua nguai dugc bao hiem se dugc MIC b6i
thuang dAy du. Tuy nhien, neu s6 tien bao hiem cfla hang hoa thap hon gia tri
dOng gOp ton that chung, MIC chi chiu trach nhiem b6i thugng tien clang gOp
ton that chung theo ty 1e gala s6 tien bap hiem va gia tri dong gOp.
10.3. Trach nhiem cua MIC chi giai han b s6 tien bao hiem. Tuy nhien, MIC van phai
chiu trach nhiem d6i tien ton that cong cac chi phi ciru hO, phi giam
dinh, chi phi danh gia va ban lai hang h6a ton that, chi phi de:i ngugi thin ba b6i
thuang va tien doing g6p ton that chung, du cho tong s6 tien b6i thuang nhu vay
c6 the vucrt qua s6 tien bao hiem.
10.4. MIC c6 quyen dugc mien moi trach nhiem quy dinh trong hop d6ng bao hiem
bAng cach khuerc tir quyen lgi ve hang hoa bao hiem va quyen khieu nai nguai
thin ba, d6ng thOi b6i thuang cho nguai dugc bao hiem toan bO s6 tien bao hiem.
Khi thuc hien quyen cfla minh quy Binh a tren, MIC phai thong bao cho nguai
dugc bao hiem biet trong thed han bay (07) ngdy ke to ngdy nhan dugc thong bao
cua nguai dugc bao hiem ve hiem hoa da xay ra va hau qua cda no. Nhimg chi
phi can thiet va hop ly ma nguai dugc bao hiem da chi tra truac khi nhan dugc
thong bao tren nham phOng trach hoac giam nhe ton that se dugc MIC b6i hodn.
10.5. Thai han thanh toan b6i thugng cna MIC la mtrai lam (15) ngdy ke tir ngdy
nhan dugc day du h6 so khieu nai hop le, va 'thong keo dai qua ba muoi (30)
ngdy trong truang hop phai nen hanh xac minh them h'6 so.
Truang hop td chi b6i thuang, MIC phai thong bao bAng van ban cho ngtrgi
dugc bao hiem biet ly do td chi b6i thuang trong thai han ba muoi (30) ngdy
ke tir ngdy nhan dugc h6 so khieu nai.
10.6. Trd khi c6 th6a thuan khac, viec thanh toan b6i thugng se dugc giai guy& bang
loai tien quy dinh trong Hop d6ng bao hiem valhoac Giay chirng nhan bao hiem.
10.7. Khi thanh toan b6i thuang, MIC co the khau trd vao tien b6i thuang cac khoan
thu nhap cua nguai dugc bao hiem trong viec ban hang hoa cdu dugc va doi
nguai thd ba.
Dieu 11. Chuyen quyen dni bill thubmg
11.1. Sau khi thanh toan b6i thuOmg theo hop d6ng bao hiem, moi khoan khieu nai va
quyen khieu nai cna ngtrgi dugc bao hiem d6i veri nguai thd ba deu dugc
chuyen cho MIC ma gieri han la s6 tien da b6i thuang.

MIC/HH/QTC 1 I/13
BAO HIEM QUAN Doi

Ngay khi nhan dugc tin b6i thuOng cua MIC, nguai dugc bao him co trach
nhitm chuytn cho MIC moi tai litu va bang chirng cua ho va phai lam clay du
thu tuc dap irng yeti cAu thgc hi8n quytn truy dei cua MIC.
11.2. Neu nguai dugc bao him b6 qua quytn dei ngugi thir ba hoac ntu do 18i cua
nguai dugc bao him ma kh6ng tht thirc hi8n dugc quytn nay (nhu htt han giri
thu khitu nai nguai chiu trach nhiesm vt ton MIC se dugc mien trach
nhi8tn b6i thuong mot mire dO thich hop va n el u vi8c b6i thuong da duqc
giai quytt thi nguai dugc bao him co nghia vu hoan lai cho MIC mot phan
hoac toan bO s6 tin b6i thuang ma ho da nhan dugc, toy theo tong truang hop
cu the.
11.3. Vai ditu kin phai thuc hi8n nhang quy dinh tren, khi MIC b6i thuong mot vu
ton that toan bO (co tht b6i thuong tat ca hoac nguyen mot phan hang dugc bao
hitm) ho con co quytn thu h6i nhang gi con lai cua phan hang h6a da dugc b6i
thuong theo hinh thdc dO.
Dieu 12. Tit bo hang
12.1. TnrOng hgp nguai dugc bao him mu6n khitu nai ton that toan bO uac tinh cho
hang hoa dugc bao him thi ho phai giri thong bao tir b6 hang cho MIC. Ntu
khong thgc hitn theo quy dinh nay thi ton that chi dugc giai quytt theo hinh
thirc b6i thuerng ton that bO phan.
12.2. Thong bao to b6 hang lam bang van ban va trong moi truing hgp phai n8u rO
dinh cua nguai dugc bao him la tir be khong ditu kien moi quytn lgi vt hang
h6a dugc bao him cho MIC.
12.3. Tnremg hop th6ng bao tir b6 hang dugc gixi theo dung quy dinh thi quytn khitu
nai cua ngugi dugc bao him khong bi phuong hai bei vitc MIC tit chi chap
nhan tir b6 hang. Khi thOng bao tir bo hang da dugc chap nhan thi vi8c tir b6
hang kh6ng can thay d6i khac dugc.
Dieu 13. Nhirng quy dinh khac
13.1. Hop d6ng bao him khOng c6 hitu lcrc d6i vii lei ich cua nguai chuyen cher,
nguai nhan uy thac hang h6a hay nguai bao him chay.
13.2. Ngueri duqc bao him phai hanh dOng khan truing hop 17 trong nhirng tinh
hung c6 the chil dOng dugc va MIC CO quytn tir chi b6i thuerng cho nhang vu
ton that phat sinh do nguai dugc bao him thong hoan thanh nghia vu dO.
Dieu 14. Khieu nai va giai quyet tranh chap
14.1. Thai han yeu cau b6i thuOng theo hop ding bao him la mot (01) nam kt tir
ngay xay ra su ki8n bao hitm, trix truing hop cham trt do nguytn nhan khach
quan va bat kha khang theo quy dinh cua phap luat.

MIC/HH/QTC 12113
BAO Fsigm ouAN 001

14.2. ThOi hieu khoi kien ve hop demg bao hiem la ba (03) nam ke tix thai diem phat
sinh tranh chip.
14.3. Moi tranh chip phat sinh tit hop d6ng bao hiem net' khong giai quyet duoc
bang thuang luting giaa cac ben lien quan se duoc dua ra TOa an nai bi dan at
tru sa chinh hoc cu trl de giai quyet theo phap luat clxa nuov COng hod xd hOi
chic nghia Viet Nam./.

VA DAI DItN
A
TONG CON AO HAM QUAN DOI

PHO TONG GIAM DOC PHU TRACH


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MIC/HH/QTC 13/13