sa STT Lo~ixe nam Bao hi~m Bao hi~m...dong co khong cung c~p rieng cac b

"

TONG CONG TY BAo HIEM PVI CONG HoA XA HOI CHU NGHIA VI1;T NAMDoc l~p - TV do - Hanh phuc

BIEU PHiBAo HIEM TV NGUY~NXE CO GI(~n

(Banhanh thea Quyitdinh sd ..JPt ...IQD-PVIBH ngay.~Jthang ..4....nam2015cuaT6nggiam tideT6ng congty Baa hiim PVI)

PHANI

BAo HIEM V~T CHAT XE

Ty l~ phi bao hiemGicri han sa(dabao gBm thu~ GTGT)

STT Lo~ixeBao hi~m Bao hi~m

namSIT dung

toan bQ than vo

A. Nhom xe rui ro th~p (khong KDVT)

1Xe cho ngiroi :S 24 ch6, xe cho tien,

1,50 2,50xe buyt nQi tinh.

2 Xe cho ngiroi > 24 ch6 1,65 2,65 f)~n 6 nam

3 Xe ban tai (pick up), xe tai VAN 1,55 2,55

4 Xe 0 to van tai khac. 1,65 -

B. Nhom xe chuyen dung (TCVN 7271)

1Xe cho xang, d~u, khi hoa long, nhua

1,65 -dirong, nhien lieu,

Xe tai gan diu, xe g~n thi~t bi khoan, D~n 6 narn2 xe du tv hanh (duoc phep hru hanh 1,65 -

tren dirong bo), xe tron/born be tong

Xe ciru thuong, ciru hoa, xe thang, xe

3 v~ sinh, xe quet dirong, xe tee cho 1,55 -eh~t long (tnr chat d~ chay)

C. Nhorn xe rul ro cao

Cl. Xe tai - Kinh doanh v~n tiii

1 Xe 0 to v~n tai hang hoa 1,70 -

2Xe eh6' hang dong l<;mh,Xe hO<;ltdQng

2,60 -tren khai twang,cong twang

3Xe dau keo, xe eh6' h~mg sieu twcmg, 2,80 - D€n 6 namsieu trQng

4 Ra mooe 1,10 -

5Ra mooe co gan thietbi chuyen dVng,

2,00 -fa mooc thung dong l<;lnh

SilO hidm P VI - Bidu phi Bao hidm Xe co·gi6'i - 2015 119

C2. Xe cho nguiri KDVT

1Xe cho ngiroi thea HQ'Pdong dich vu

1,60 2,60(S 24 ch6)

D~n 6namXe cho nguoi thea HQ'Pdong dich vu

2 1,75 2,75(> 24 cho)

Xe cho ngiroi (xe buyt/ xe khach lien3 tinh, xe giuong nam, xe khach tuyen 2,00 -

c6 dinh)

4 Xe Taxi 3,90 -

D. Nh6m xe ghi tr[ thfip:

Theo bieu philoai xe tirong

'ro 100 trieu d~n 200 trieu dong ung - D~n 3nam(t6i thiSu

2.500.000d)

LITll Y:1. MITC kh~ll trir: Bi~u phi nay ap dung mire khau tnr nhu sau:

Xe KDVT: I.OOO.OOOd/vu

Xe khong KDVT: SOO.OOOd/v\l

2. S6 nam sir dung: tinhtir nam Dangky l~n d~u (xe san xuat trong mroc hoac xe nhapkhclu moi 100%) hoactir nam san xu~t ghi tren Dang kiSm (xe nhap khau dii qua sudung) d~nnam tham giabao hiem,

Bi~u phi co ban tren chi ap dung cho cac xe c6 sf>nam sir dung d~n 6 nam, Xe e6 sf>nam su dung tren 6 nam,ty l~ phi eO'ban se phai tang them nhu sau:

Xe tu tren 6 nam d~n 10 nam: Phi tang them 0, I% so v6i ty l~ phi trong bang.

Xe tu tren 10 nam d~n 20 nam v6i nh6mA va xe tu tren 10 nam d~n 15 nam v6i caeNh6m B, C: Phi tang them 0,2% so v6i ty l~ phi trong bang.

3. Xe elru thuO'ng: khong bao g6m cae trang thi~t bi y t~ tren xe.

4. Df>iv6i eae xe ehuyen dung d~c bi~t khae nhu: xe kham ehua b~nh luu dQng, xetruy~n hinh luu dQng va eae xe khong e6 trong eae I09-ixe tren ... Bao hi~m PYI xaedinh thea tungtruang hQ'Pe\l th~.

PHANII

PHl,J PHi BAo HlEM cAc IHEU KHOAN BO SUNG

Iuy thea nhu du, khaeh hang e6 th~ Iva ehQn them mQt trong eae Di~u khoan bao hi~mb6 sung de tang them quy~n 19i bao hiem. Khaeh hang phai ke khai d~y dli nQi dung yeudu VaGGYCBH d~ Bao hi~m PYI lam eO'So' tinh phi bao hi~m va giai quy~t b6i thuang.

Ph\l phi cae DKBS du6i day dii bao g6m thu~ GTGT.

Biw hidmPVJ- Biiuphi Bao hidmxe CO"gi6"i- 2015 2/9

1. DKBS OOl/XCG-PVI: Bao hi~m v~t chAt xe co' gi6'i hru hanh tam thot ngoailanh th6 Vi~t Nam

Ty l~ phu phi: 50% ty l~ phi BH v~t chat thea quy dinh cua tung loai xe.

Ap dung voi pham vi lanh th6 cac mroc: Lao, Campuchia, Trung Quoc, Thai Ian.

Bao hiem PYI khong b6i thirong cho rui ro mftt cap b<)phan xe, xe bi m~t c~p, mattrom hoac bi cirop ngoai lanh th6 Viet Nam.

2. DKBS 002/XCG-PVI: Bao hi~m v~t chAt xe co giO'ihru hanh tam thoi

- Phi bao hiem: 0,1 % x STBH

3. DKBS 003/XCG-PVI: Bao hi~m mAt c~p bQ ph~n

Ty l~ phu phi: 0,2%

Mire khan tnr: 20% ton th~t hoac 2.000.000 d6ng/vv, tuy s6 nao Ian hon

4. DKBS 004/XCG-PVI: Bao hi~m cho chi phi thue xe trong thot gian sua chua

- PhVphi bao hi~m: 600.000 dBng/xe/nam

Mire khau tnr: Chi phi thue xe cho 03 ngay/ ton that (Bao hi~m PYI chi thanh toanchi phi thue xe tu ngay thu 04tra di tinh tu ngay b~t dciuthue xe).

5. DKBS 005/XCG-PVI: Bao hi~m bBi thll'iYngtheo giO'ih~n tnich nhi~m

GTTT - STBHH~ s6 phi b6 sung = (1+ ------------------- x 80%)

GTTT

-I

Phi bao hi~m= Ty l~ phi ccrban x H~ s6 phi b6 sung x STBH

Ghi chu: - GTTT: gia tri thlJc t~

- STBH: s6 ti€n bao hi~m

6. DKBS 006/XCG-PVI: Khong khAu hao phI} tung, v~t to' thay m6'i

Ty l~ phVphi:

s6 nam su dl}ngTy I~ phI} phi

Nh6mA Nh6mB Nh6mC

f)~n 3 nam 0% 0% 0%

Tu> 3 d~n 6 nam 0,10% 0,15% 0,20%

Tu> 6 d~n 10 nam 0,15% 0,20% 0,30%

Tren 10 nam 0,20% Kh6ng phan cftp

7. DKBS 007/XCG-PVI: Bao hi~m ll}'achQn cO'sO-sua chua

Ty l~ phV phi:

Bao hirim P VI - Biriuphi Bao hdm Xe CO' gio'i - 20J 5 3/9

s6 nam sir dung Ty l~phu phi

f)~n 3 nam 0,1%

Tir > 3 den 6 nam 0,2%

Tir > 6 d€n 10 nam 0,3%

Tren 10 nam 0,5%

S. DKBS OOS/XCG-PVI: Bao hi~m thi~t hai dQngCO' do thuy kich

Ty l~ phu phi: 0,1%

Mire kh~u tnr:

Truong hop d6i voi cac loai xe rna nha san xu~t chi cung c~p toan b<)tong thanhdong co khong cung c~p rieng cac b<)phan, chi ti€t danIe, Bao hiem PVI chap nhangiai quyet b6i thirong c6 kh~u tnr 10% s6 tien b6i thirong cho toan b<)tong thanhdong co phai thay th€ (sau khi da tinh khau hao d6i voi tnrong hop khong tham giaf)~BS 006/XCG-PVI) tren co sa c6 xac nhan v~ chinh sach ban hang cua nha sanxuat.

Cac tnrong hop khac, Bao hiem PVI se ap d\lng muc kh.lu tru 20% s6 tiSn b6i thuangva t6i thiSu 3.000.000dl V\l,tuy thuQcvao s6 nao Ian han

9. DKBS 009/XCG-PVI: Bao hi~m v~t chit cho xeCO' gi6'i trong thOi gian cho-

dU'Q'ccip dang ki~m (72 gio-)

Kh6ng tinh phi

10. DKBS 010/XCG-PVI: Bao hi~m tt! nguy~n tnich nhi~m dan st! chii xeCO' gim

Tren cO' sa Muc trach nhi~m (MTN), phi bao hi€m Trach nhi~m dan s\}'(TNDS) b~tbu<)cdo B<)Tai chinh quy dinh va nhu dou cua khach hang tham gia bao hi€m, Baohi~m PVI xay d\}'ng cac MTN bao hi~m1\1' nguy~n caohan MTN b~t bu<)c vainhung 1uuy quan trQng sau day:

MTN a day duqc hi~u 121phftn vuqt qua MTN b~t bu<)c thea quy dinh cua B<)Titichinh.

Phi bao hi~m duqc tinh them vito phftn phi bao hi€m TNDS b~t bu<)cthea quy dinhcua B<)Tai chinh.

10.1 Bi~u phi tt! nguy~n TNDS ciia chii xeCO' gi6'i ap dl}.ngcho MTN phB thong(Trang sau)

BaDhi§mPVJ- silfu phi Sao hdm Xe co'gio'i - 2015 4/9

·PHi BAo HIEM (bao gamthu~ GTGT)

Mire trach nhiem: a. vJ nguoi: trieu d6ng/nguiYi/v¥

Loai xe 1Muc dichb. vJ tai san: trieud6ng/v¥

Stt sudung Mrrc I Mrrc II Mrrc III MrrcIV MrrcV

(alb) (alb) (alb) (alb) (alb)

30/30 50/50 80/80 100/100 120/120

I Xe oto chrr ngU'O'ikhong kinh doanh v~n tai (tinhthea s6ch6 ngoi)

1 Duo-i 06 ch6 240.000 400.000 640.000 800.000 960.000

2 Tir 6 d~n 11ch6 480.000 800.000 1.280.000 1.600.000 1.920.000

3 TLI'12d~n 24 ch6 768.000 1.280.000 2.048.000 2.560.000 3.072.000

4 Tu 25 ch6 tro len 1.104.000 1.840.000 2.944.000 3.680.000 4.416.000

5 Xe ban tai (pick -up) 564.000 940.000 1.504.000 1.880.000 2.256.000

II Xe oto cho ngmri kinh doanh v~n tai

1 Diroi 06 ch6 thea dang ky 450.000 750.000 1.200.000 1.500.000 1.800.000

2 6 ch6 thea dang ky 554.000 923.000 1.476.000 1.845.000 2.214.000

3 7 ch6 thea dang ky 644.000 1.072.000 1.716.000 2.145.000 2.574.000

4 8 ch6 thea dang ky 747.000 1.245.000 1.992.000 2.490.000 2.988.000

5 9 ch6 theo dang ky 837.000 1.395.000 2.232.000 2.790.000 3.348.000

6 10 - 11ch6 theo dang ky 986.000 1.643.000 2.628.000 3.285.000 3.942.000

7 12 - 14ch6 thea dang ky 1.328.000 2.213.000 3.540.000 4.425.000 5.310.000

8 15ch6 thea dang ky 1.431.000 2.385.000 3.816.000 4.770.000 5.724.000

9 16 - 23ch6 thea dangky 1.647.000 2.745.000 4.392.000 5.490.000 6.588.000

10 24 ch6 thea dang ky 2.295.000 3.825.000 6.120.000 7.650.000 9.180.000

11 25 ch6 thea dang ky 2.385.000 3.975.000 6.360.000 7.950.000 9.540.000

Tren 25 ch6 thea dang ky 2.385.000 3.975.000 6.360.000 7.950.000 9.540.000

12(SC:s6 ch6)

+ (18.000 + (30.000 + (48.000 + (60.000 + (72.000x (SC-25)) x (SC-25)) x (SC-25)) x (SC-25)) x (SC-25))

III Xe 0 to chrr hang (xe tai)

1 Duai 3 t~n 465.000 775.000 1.240.000 1.550.000 1.860.000

2 TLI'3 d~n 8 t~n 904.000 1.507.000 2.412.000 3.015.000 3.618.000

3 Tren 8 t~n d~n 15t~n 1.140.000 1.900.000 3.038.000 3.798.000 4.557.000

4 Tren 15t~n 1.410.000 2.350.000 3.757.000 4.696.000 5.636.000

(Dun vi tinh: d6ng)

-r

Bao hiem P VI - Bitu phi BaohiemXe CO' gioi - 2015 5/9

10.2 Bi~u phi tt,r Iiguy~n TNDS cua chu xeCO' gi6'i ap dung eho MTN eao

(Dun vi tinh: dang)

PHi BAo HIEM (bao gAm thu~ GTGT)

Mire trach nhiem: a. vJ nguoi: trieud6ng/nguoi/v1,l

TT Loai xeb. vJ tai scm:trieud6ng/v1,l

T6ng rmrc trach nhiem t6i da: 8.000. 000. 000 d6ng/v1,l

MlfC VI (alb) MlfC VII (alb) M lfC VIII (alb)

100/400 200/1.000 400/2.000

I Xe oto chrr nguiri khfmg kinh doanh v~n tai (tinhthea s6ch6 ngoi)

1 Duoi 06 ch6 ng6i 1.600.000 3.700.000 7.400.000

2 TLr06 d~n 11ch6 ng6i 3.200.000 7.500.000 15.000.000

3 Tir 12d~n 24 ch6 ng6i 5.000.000 12.200.000 25.000.000

4 Tir 25 ch6 ngoi tro len 7.200.000 17.600.000 35.600.000

5 Xe ban tai (pick - up) 3.800.000 8.900.000 17.800.000

II Xe oto cho' ngurrl kinh doanh v~n tai

1 Duoi 06ch6 ngoi 3.000.000 7.200.000 14.500.000

2 6 ch6 ng6i thea dang ky 3.300.000 7.500.000 14.800.000


4 8 ch6 ngdi thea dang ky 4.000.000 9.400.000 19.200.000


6 10 - 11ch6 ng6i thea dang ky 4.400.000 10.800.000 22.200.000


8 15ch6 ng6i thea dang ky 6.200.000 14.200.000 29.400.000



11 25 ch6 ng6i thea dangky 9.000.000 20.000.000 40.800.000

12Tren 25ch6 thea dang ky 9.000.000+ 20.000.000+ 40.800.000+(SC: s6 ch6) 72.000x (SC - 25) 162.000x (SC - 25) 340.000x (SC-25)

III Xe 0 to ch& hang (xe tii)

1 Duo-i 03 t~n 2.800.000 6.400.000 13.000.000

2 Ttf 03 d~n 08 t~n 5.200.000 12.400.000 25.200.000

3 Ttl"tren 08 d~n 15t~n 6.600.000 15.200.000 30.400.000

4 Tren 15t~n. 7.800.000 17.800.000 35.600.000

10.3 Cae quy djnh khae

1. Xe taxi: Tinh bing 150% phi bao hi~m 6to cha nguai kinh doanh v~n tai cung s6

ch6 ng6i

Baa hidm PVJ- Bidu phi Baa hdm XeCO" gi6"i- 2015 6/9

2. (> to chuyen dung:

- Xe ciru thuong: Tinh bang phi cua xe pick - up.

- Phi bao hiern cua xe cho tien: Duoc tinh bang phi bao hi~m cua xe d~n 5 ch6 ng6iguy dinh tai muc I.

- Phi bao hiern cua cac loai xe chuyen dung khac duoc tinh bang phi cua bao hiemcua xe cho hang cung trong tai guy dinh tai muc III.

3. D§ukeo ro mooc:

Tinh bang 130% phi cua xe trong tai tren 15 t<1n(phi nay dff bao g6m ca dau keova ro mo6c).

4. Xe may chuyen dung:

Tinh bang phi cua xe cho hang diroi 3 t<1nguy dinh tai rnuc III.

5. Xe buyt:

Tinh bang phi bao hi~m cua xe khong kinh doanh van tai cung s6 ch6 ng6i guydinh tai muc I.

11. DKBS 0111XCG-PVI: Bao hi~m khfmg ap dung mire kh~u trir:

Ty l~ phu phi: 0,1% 'A. \::~iA,

PHAN III

BAo HIEM TRAcH NHI~M DAN str CHU XEDOl VOl HANG HOA TREN XE

MITe trach nhiern bao hi~m

0,55%

Ty l~ phi bao hi~m/nam

Tu 10.000.000 d6ng/t<1n d~n 50.000.000d6ng/t<1n

LITU y:Ty l~ phi tren dffbao g6m thu~ GTGT

Muc trach nhi~m (MTN) baohi~m/t<1n1a cO'sa xac dinh t6ng MTN bao hi~m t6idal vv tuO'ng ung vai trQng tai duqc phep cha cua xe, khong phai la MTN b6ithucmg t6i da cua m6i t<1nhang h6a/vv.

MTN bao hi~m/vv=MTN bao hi~tnlt<1nx S6 t<1ntrQng tM cua xe.

Ma rQng ph<;lmvi b6i thuCmg trm'mghqp hang h6a cua chinh chu xe.

Muc kh<1utn'r: 0,5%MTN/vv, t6i thi~u 2.000.000d6ng/vv.

Bao hi~mP VI - Bi~u phi Bao hdm Xe CO" gio'i - 2015 7/9

PHANIV

BAo HIEM TAl N~N LAI, PHl) XE vA TAl N~N NGU<'n NGOI TRENXE

TT sa ti~n bao hi~m/ngU'Oi/vl} (tr.d) Ty l~ phi

1 Tu 5 den 500 0,10%

2 re tren 500 d~n 1.000 0,20%

3 Tren l.000 0,30%

LU'u y:- Loai hinh bao hiem nay khong ap dung thu~ GTGT.

- Trong moi tnrong hop, tong mire trach nhiem/xe khong vuot qua 8 ty dong.

- D6i voi xe cho nguoi kinh doanh van tai chi cap bao hiem cho Lai/ phu xe.

PHANVCAC QUY DINH KHAC

I. Phi bao hi~m ng~n, dai han: (Khong ap dung d6i voi DKBS002/XCG-PVI).

1. Bao hi~m ng~n han

Thoi han bao hi~mMtrc phi ap dung

(%phi bao hdm nam)

D~n 1 thang 15%

D~n 3 thang 30%

Tren 03 thang den 06 thang 60%

Tren 06 thang den 09 thang 80%

Tren 09 thang d~n 12 thang 100%

]

2. Bao hi~m dai han

ThO'i han bao hi~mMuc phi ap dung

(%phi baohidm nam)









Bao hidm P VI- Bidu phi Bao hidm XeCO' gi6'i - 2015 8/9

II. Giam phi

1. Ciarn phi khi bao hi~m theo nhom:

stt sa hrong xe/nhorn Ty l~ giam phi

1 re 5 den 10 xe 10%

2 Tren 10 den 30 xe 15%

3 Tren 30 xe 20%

2. Giam phi dotY l~ tBn th~t tat: Giam them t6i da 10% phi bao hi~m v~t chat hienhanh (chua bao gom phan chu dong thea phan cftp) cho cac xel d<)ixe tai tuc voidiSu kien ty l~ t6n that trong narn lien truce ~ 30%.

3. Clam phi do tang MITC kh~u trir:

Truong hop xe tham gia dieu khoan tang Mire khftu tnr, phi bao hiem diroc giamnrong irng nhu sau:

MITC kh~u trirl vu tBn th~t Ty l~ giam phil phi CO'ban

(VNIl) XeKDVT Xe khong KDVT

l.000.000 0% 5%

2.000.000 5% 8%

3.000.000 8% 11%

4.000.000 11% 14%

5.000.000 14% 17% .'

J6.000.000 17% 20% '5-

7.000.000 20% 23% *"8.000.000 23% 26%

~26% 29%9.000.000 ,:;:

10.000.000 29% 32%

20.000.000 32% 40%

50.000.000 35% 45%

Bao hdm P VI - Bidu phi Bao hiemXe co gioi - 20 I5 9/9

Documents

sa STT Lo~ixe nam Bao hi~m Bao hi~m...dong co khong cung c~p rieng cac b