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TRC NGHIM

NGUYN L V THC HNH

BO HIM

Trng H Kinh t TPHCM

TS.HThy Tin

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Phn 1: TRC NGHIM

NGUYN L V THC HNH BO HIM

nh du cho (x) vo cu tr li ng, c th chn nhiu hn mt cu.

Cu 1: Cc loi bo him da trn k thut phn b l :a. Bo him ti snb. Bo him con ngic. Bo him nhn thd. Bo him trch nhim dn s

Cu 2: Cc loi bo him da trn k thut dn tch l :a. Bo him trch nhim dn sb. Bo him tai nn con ngic. Bo him xe c giid. Bo him nhn th

Cu 3: K thut phn b trong bo him thng mi l :a. Phn b ph thu c cho ngi c bo himb. Phn b s tin bi thng cho nm ti chnh sauc. Phn b ph thu c cho trch nhim cha hon thnh ca nh bo him trongnm ti chnh saud. Phn b trch nhim ca cng ty bo him gc cho cc cng ty ti bo him

Cu 4: K thut dn tch trong bo him thng mi l:a. Dn tch s ph thu c tr tin bo him khi xy ra s kin bo himb. Dn tch trch nhim ca cng ty bo himc. Dn tch s ph thu c u n hng nmd. Dn tch s ph m ngi c bo him cn n cng ty bo him

Cu 5: Tn tht c th xc nh c l:a. Tn tht ti snb. Tn tht con ngic. Tn tht do pht sinh trch nhim dn sd. Tn tht do ngi th 3 gy ra

Cu 6: Tn tht khng xc nh c l:a. Tn tht tinh thnb. Tn tht ti snc. Tn tht do pht sinh trch nhim dn sd. Tn tht do ngi th 3 gy ra

Cu 7: Tnh tin tng tuyt i ca hp ng bo him l:a. Ngi c bo him tin tng cng ty bo him s tr tin bo himb. Cng ty bo him tin tng ngi c bo him ng y ph bo himc. Cng ty bo him tin tng ri ro chc chn xy ra

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d. Ngi c bo him khai bo y ri ro ca mnhCu 8: Ch min thng l:a. Cng ty bo him s khng bi thng cho ngi c bo himb. Cng ty bo him s khng thu ph ca ngi c bo himc. Cng ty bo him khng bi thng khi tn tht di 1 mc no

d. Trng hp khc (cho cu tr li)Cu 9: Ph bo him l:a. S tin tr khi ri ro xy rab. Gi thnh sn phm bo him ?c. Gi c sn phm bo himd. S tin cng ty bo him s tr li cho ngi c bo him khi ri ro khng xyra

Cu 10: Nguyn tc dn tri trong hot ng kinh doanh bo him l:a. Phn chia a bn hat ng ca cng ty bo him

b. Trnh tch t s ngi tham gia bo himc. Trnh tp trung tt c hp ng trong mt thi imd. Trng hp khc (cho cu tr li)

Cu 11: Nguyn tc phn chia trong hot ng kinh doanh bo him:a. Phn chia ri ro ln ra nhiu ri ro nhb. Phn chia trch nhim gia cc cng ty bo him i vi cng mt ri roc. Phn chia ph bo him gc cho cc cng ty bo him khcd. Phn chia s ngi tham gia bo him ra lm nhiu nhm nh hn

Cu 12: Tn tht c th lng trc c l:a. Tn tht c th bit trc c mc xy ra nhiu hay tb. Tn tht con ngic. Tn tht do pht sinh trch nhim dn sd. Tn tht c th bit trc c tn tht ln nht

Cu 13: Tn tht khng th lng trc c:a. Tn tht con ngib. Tn tht ti snc. Tn tht khng bit trc mc cao nhtd. Tn tht do pht sinh trch nhim dn s

Cu 14: Cng ty bo him tng h l:a. Cng ty hot ng mc ch v li nhunb. Cng ty hot ng vi mc ch khng v li nhunc. Khi cc thnh vin u l ngi bo himd. Trng hp khc (cho cu tr li)

Cu 15: Vit Nam c cng ty bo him tng h cha:a. Ri

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b. Chac. Sp cd. Khng bao gi c

Cu 16: Li sut k thut ca cng ty bo him nhn th l:

a. Li sut u t thc t ca cng ty bo him nhn thb. Li sut dng tnh ph ca cng ty bo him nhn thc. Li sut tr li ca ngn hngd. Li sut cng ty bo him nhn th vay ca ngn hngCu 17: Bo him nhn th l loi bo him m bo:a. Ti sn ca ngi c bo himb. Thn th ngi c bo himc. Tnh mng ngi c bo himd. Trng hp khc (cho cu tr li)

Cu 18: Xc sut t vong khi tnh ph bo him nhn th l:

a. Xc sut t vong thc t khi iu tra dn sb. Xc sut t vong thc t khi iu tra dn s iu chnh tngc. Xc sut t vong thc t khi iu tra dn s iu chnh gimd. Xc sut khc (cho cu tr li)

Cu 19: Bo him c vai tr thc y mi ngi c thc phng hn ch tn tht.Mi ngi y l:a. Tt c nhng ngi tham gia bo himb. Tt c ngi dn, ch th, t chc trong x hic. Tt c cc cng ty bo himd. Tt c nhng ngi b ri ro

Cu 20: Vai tr trung gian ti chnh cabo him l:a. Vai tr ch c trong iu kin nn kinh t th trngb. Vai tr vn c ca hot ng kinh doanh bo himc. Vai tr ch c trong nn kinh t k hoch ha tp trung bao cpd. Vai tr ch c ca bo him Vit NamCu 21: Th quyn trong hot ng kinh doanh bo him l:a. Ngi c bo him c thay th cng ty bo him yu cu ngi khc bithng cho mnhb. Cng ty bo him c thay th ngi c bo him yu cu ngi khc bithng cho mnhc. Ngi c bo him thay th cng ty bo him bi thng cho ngi th 3d. Trng hp khc (cho cu tr li)

Cu 22: Th quyn c p dng trong:a. Bo him ti snb. Bo him trch nhim dn sc. Bo him con ngid. Bo him tai nn

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Cu 23: Ti bo him l:a. Cng ty bohim gi li ton b ri rob. Cng ty bo him chuyn i tan b ri roc. Cng ty bo him yu cu cc cng ty bo him khc cng m bo ri ro vi

mnhd. Trng hp khc (cho cu tr li)

Cu 24: Nguy c l:a. Mt s vic tt sp xy rab. Mts vic xu khng th xy rac. Mt s vic xu sp xy rad. Mt s vic va tt va xu sp xy ra

Cu 25: Him ha l:a. Vit tt ca t nguy him v tai ha

b. Mt ri ro c th no c. Mt nhm ri ro khng c lin quan nhaud. Mt nhm ri ro xu c th xy ra ?

Cu 26: Bo him l:a. Bo cho bit c nguy him xy rab. ng gp s ng vo bt hnh s tc. Hon chuyn ri rod. Gia tng kh nng ri ro

Cu 27: Hon chuyn ri ro bng phng php nghch hnh l:a. Di chuyn ngc chiu nhaub. Tham gia vo 2 chiu song songc. Tham gia vo 2 chiu tri nhau ca mt s vicd. Khng cho ri ro xy ra

Cu 28: Ngi c bo him l ngi:a. K kt hp ng bo himb. c nhn s tin bo himc. B ri ro e da?d. Ngi th 3

Cu 29: Bo him trng l:a. Bo him nhiu ln mt cng ty bo himb. Bo him 1 ln nhiu cng ty bo himc. Bo him nhiu ln nhiu cng ty bo himd. Bo him 1 ln 1 cng ty bo him

Cu 30: Tnh may ri ca hp ng bo him l:a. Hp ng c th c thc hin hoc khng c thc hin

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b. Ri ro khng bit c xy ra hay khngc. Cng ty bo him c tr tin bo him hay khngd. Trng hp khc (cho cu tr li)

Cu 31: Tnh gia nhp (tnh tn thnh) ca hp ng bo him l:

a. Ngi tham gia bo him c quyn thay i ph bo himb. Hp ng bo him l do cng ty son tho sn v NBH ch cn k tn vo.c. Ngi tham gia bo him c quyn ch nh ngi th hng.d. Trng hp khc (cho cu tr li)

Cu 32: Nguyn tc bi thng trong hot ng kinh doanh bo him l:a. Cng ty bo him tr tin bo him theo chi ph thc t pht sinh.b. Cng ty bo him tr tin bo him theo qui nh trc trn hp ng bo himc. Cng ty bo him chc chn s bi thng khi tn tht xyra.d. Trng hp khc (cho cu tr li)

Cu 33: Nguyn tc khon trong hot ng kinh doanh bo him:a. Cng ty bo him tr tin bo him theo chi ph thc t pht sinh.b. Cng ty bo him tr tin bo him theo qui nh trc trn hp ng bo himc. Cng ty bo him chc chn s bi thng khi tn tht xy ra.d. Trng hp khc (cho cu tr li)

Cu 34: Thi gian B Ti chnh xt cp Giy php hot ng cho cc doanh nghip bohim l:a. 90 ngy sau khi nhn h s hp l.b. 60 ngy sau khi nhn h s hp l.c. 30 ngy sau khi nhn h s hp l.d. Mt s khc

Cu 35: Kh nng thanh ton ca doanh nghip bo him l:a. Kh nng tr cc khon tin vay ca ngn hngb. Kh nng chi tr cho nhng khiu ni pht sinh t nhng hp ng k ktc. Kh nng thc hin ngha v i vi ngn sch nh ncd. Kh nng chi tr cho cc khon vay ca cc t chc, c nhn khc trong nn kinhtCu 36: Nguyn tc no c xem l quan trng hng u trong u t qu bo him:a. Sinh lib. Thanh khonc. An tond. Di hn

Cu 37: C s liu v mt nghip v trong nm nh sau:

Hp ng gcSTBH (M) Ph gc (UM) Tr gi thit hi (M)12

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345 102015

89 20.00035.0007.0005.00011.000 8673-

Hp ng ti bo him l hp ng surplus, mc gi li ca tng hp ng gc nh sau:(M)(1): 2,5 (2): 1 (3): 0,8 (4): 4 (5): 2,5Trch nhim nh nhn ti l 5 ln mc gi li. Tng trch nhim (s tin bi thng theotrch nhim) ca nh nhn ti l (M):a. 2,5b. 3,7c. 4,125d. Mt s khc (cho kt qu)

Cu 38: Vi d kin ca cu 37, trng hp mc gi li ca nh bo him gc cho tt cri ro l 2M, trch nhim ca ngi nhn ti l 5 ln mc gi li, th ph bo him mngi nhn ti c nhn l (UM):a. 100.000b. 187.500c. 237.800d. Mt s khc (cho kt qu)

Cu 39: c th o ngc chu trnh sn xut trong hot ng kinh doanh bo him l:a. Gi thnh sn phm xc nh trc, gi bn sn phm xc nh saub. Tn tht c xc nh trn c s ph bo him thuc. Ph bo him c thu trc, chi bi thng tn tht saud. Trng hp khc (cho cu tr li)

Cu 40: Li nhun ca Cng ty bo him nhn th l:a. Chnh lch dng gia xc sut t vong thc t vi xc sut t vong tnh phb. Chnh lch dng gia li sutk thut khi tnh ph vi li sut u t thc tc. Chnh lch m gia xc sut t vong thc t vi xc sut t vong khi tnh phd. Trng hp khc (cho cu tr li)

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Cu 41: Trch s liu trong bng t vong ca mt cng ty bo him nhn th nh sau:

tui S sng S t vong tui S sng S t vong3031

3233 97.935--- 9095

105121 34353637 -

--- 138158183210

Hon thin cc s liu cn thiu trong bng t vong trn. Sau tnh ph m ngi thamgia bo him phi ng cho cc hp ng sau y, cho bit thi hn ca hp ng l 5nm bt u t nm 31 tui, li sut k thut l 5%/nm, trng hp t vong xy ra vocui nm, s tin bo him 100 triu VN (s dng cho cc cu hi t 42 n 46)

Cu 42: Hp ng bo him l hp ngsinh k, ph ng duy nht mt lna. 66,7b. 53,2c. 67,3d. Mt s khc (cho kt qu)

Cu 43: Hp ng bo him l hp ng sinh k, ph ng san bng u mi nma. 6,5b. 7,8c. 5,3d. Mt s khc (cho kt qu)

Cu 44: Hp ng bo him l hp ng t k, ph ng duy nht mt lna. 0,95b. 0,15c. 0,125d. Mt s khc (cho kt qu)

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Cu 45: Hp ng bo him l hp ng t k, ph ng san bng u mi nm.a. 0,11b. 0,12c. 0,105d. Mt s khc (cho kt qu)

Cu 46: Hp ng bo him l hp ngt k, ph ng tng ng cho ri ro mi nmKt qu l:

Cu 47: Qu d phng bi thng cho nhng tn tht cha gii quyt ca cng ty bohim phi nhn th l qu:a. Dng chi tr cho nhng ri ro xy ra trong nm trc nhng bi thng nm tichnh sau.b. Dng chi tr cho nhng tn tht xy ra cho nhng hp ng k kt trong nm tichnh sau.c. Dng chi tr cho nhng hp ng k nm trc nhng ri ro tn tht xy ra

trong nm ti chnh sau.d. Dng chi tr cho nhng tn tht s xy ra trong nm ti chnh sau.

Cu 48: Qu d phng ph cho trch nhim cha hon thnh ca cng ty bo him phinhn th l qu:a. Dng chi tr cho nhng ri ro tn tht xy ra nm ti chnh sau.b. Dng chi tr cho nhng hp ng k nm trc nhng ri ro tn tht xy ratrong nm ti chnh sau.c. Dng chi tr cho nhng ri ro xy ra nm trc nhng bi thng nm ti chnhsau.d. Dng chi tr cho nhng hp ng k kt trong nm ti chnh sau.

Cu 49: Bo him An sinh gio dc l loi hnh bo him:a. Sinh kb. T kc. Hn hpd. Trn i

Cu 50: Bo him nin kim nhn th l loi hnh bo him:a. Sinh kb. T kc. Hn hpd. Trn i

PHN 2: BI TP THC HNH

BI 1: Trch s liu trong bng t vong ca mt cng ty bo him nhn th nh sau:

tui S sng S t vong tui S sng S t vong30

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3132333435 97.931

97.84797.76297.67397.57897.477 84858995101107 3637

38394041 97.37097.25597.13196.9979685096.688 115124134147162179

YU CU: Tnh ph cho nhng hp ng sau y bit rng thi hn ca hp ng l 10nm bt u vo nm 30 tui, li sut k thut 4%/nm, t vong xy ra vo cui nm, stin bo him 100 triu VN.1. Hp ng sinh k, ph duy nht.2. Hp ng sinh k, ph san bng.3. Hp ng t k, ph duy nht.4. Hp ng t k, ph san bng.5. Hp ng t k, ph tng ng cho ri ro mi nm.6. V th biu din ph san bng v ph tng ng ri ro mi nm cho hp ngt k.7. Hp ng hn hp, ph duy nht.8. Hp ng hn hp, ph san bng.9. Hp ng hn hp, ph tng ng cho ri ro mi nm.

BI 2: Trch s liu trong bng t vong ca mt cng ty bo him nhn th nh sau: