ut t Doi ven macH HANG Kill THAM GIA

HIEM LIEN ICET CHUNG THOI HAN 20 NAM —

Hi MOT LAN — KE HO3CH TIET KIEM

San phAm bao hie et chung deng phi linh hog dm Ceng ty TNHH Manulife (Viet Nam)

("Ceng ty") &rye phe chuin theo c6ng van se 8443/BTC-QLBH ngay 16/07/2018 ciut BO Tai

chinh. Khi tham gia San phAm bao him Lien KM Chung Thai Han 20 Nam — Deng phi met IL

— Ke hoach tiet kiem neu tren, de nghi khach hang d9c va luu y mOt s6 diem sau:

Dna ky Quy tic, Dieu khoan tnrec khi tham gia San phAm bao him Lien KM Chung Thai Han 20 Nam — Deng phi met Ian — Ke hooch tiet kiem va km 9 met se nei dung sau:

1.1 Nghla cüa nhang tir/cam tir viet boa duqc din giai tai Phi L9c 1 &rill kern Quy tic, Dieu khoan san phim.

1.2 Ben mua bao him c6 the hity hop deng trong yang 21 (hai muoi mot) ngay ke tir ngay Ben mua bao hiem nhan duqc Hqp Deng, va nhan lai phi bao hiem da deng theo quy dinh tai Dieu 14 dm H9p Deng.

1.2 Ben mua bao hiem can phai den phi bao hiem nhu duqc quy dinh tai Dieu 19.

1.3 Cac twang kip giOri ban bar) hiem ma theo de Cling ty se khong chi tit quyen lqi bar) hiem quy dinh ti Dieu 10 dm Hqp Deng.

1.4 Cac log phi &we quy dinh tai Dieu 20 dm H9p Deng.

Vic tham gia cac san phAm bao hiem be trq la khong bit buOc. Ben mua bao hiem c6 quyen you eau hay 136 cac san phAm bao hiem be trq. Ben mua bao hiem c'An luu 9 cac

dieu khoan loai trir quy dinh clanh rieng cho quyen lqi bao hiem be trq.

Khi tham gia bao hiem, phai Itru gi& cac chUng dr lien quan den hqp thing bao hiem day du.

Thuc hien ke khai thong tin trung thqc va thong bao khi c6 thay dei citc thong tin lien quan den Hop Sing bao hiem theo quy dinh tai Dieu 15 va Dieu 22 dm H9p Deng. Viec ke khai th6ng tin khong trung thqc ve sirc khete va tien sir benh se can den raj no khach hang Ichong duqc C8ng ty chi tra quyen lqi bao hiem cüa san phAm.

MVC LVC QUY TAC, DIEU ICEMAN

SAN PHAM BAO IREM LIEN KET CHUNG MCA HAN 20 NAM - BONG PHI MQT LAN - ICE HOACH TIET KIM

A. PHAN NCII DUNG

CHLICING I: QUYEN LQI BAO HIEM 1

DIEU I: QUYEN WI BAO HIEM THUONG TAT DO TAI NAN 1

1.1 Quyen Igi bAo hiem thucmg tat do Tai Nan

1.2 Quyen Igi bao hiem tint thucmg nOi tang do Tai Nan 2

1.3 Quyen Igi bao him gay xtrang do Tai Nan 2

1.4 Quyen lgi bao him bang nghiem trigng do Tai Nan 3

DIEU 2: QUYEN LOI BAO HIEM THUONG TAT TOAN BO VA VINH VIEN 3

DIEU 3: QUYEN WI BAO HIEM TU. VONG 4

3.1 Quyen lcri bao him tit vong: 4

3.2 Quyen Igi bao him tir vong do Tai Nan. 4

3.3 Quyen Igi danh cho ngueri thong hUt thu6c la: 5

3.4 Quyen Igi trg cap mai tang: 5

DIEU 4: MCC DIEU CHINH TRONG TRUONG HOP NGUOI DLTOC BAO HIEM LA TRE EM 6

DIEU 5: QUYEN LOI DUY TR1 HOP DONG 6

DIEU 6: QUYEN LOI DUY TR1 HIEU LliC HOP DONG 7

DIEU 7: QUYEN LQI DAO HAN 7

DIEU 8: QUYEN LOI DAU TU 7

DIEU 9: BAO HIEM TAM THOI 8

DIEU 10: GP:51 HAN PHAM VI BAO HIEM 9

10.1 Doi veri Quyen Igi bao hiem tü vong • 9

10.2 D6i voi Quyen Igi bao him thuong tat do Tai Nan va Quyen Igi bao hiem tit vong do Tai Nan: 9

10.3 DOi voi Quyen lgi bao him Thuang Tat Toan BO Va VInh Vin 10

CHHONG II: TH6NG TIN YE QUi LIEN KET CHUNG VA QUYEN LCH DAU flY 10

DIEU 11: THONG TIN VE CO CAU VAHOAT DONG COA Oa LIEN KET CHUNG 10

DIEU 12: GIA TR1 TAI KHOAN HOP DONG 11

CHUONG III: GIAI QUYET QUYEN LQ1 BAO HIEM — GIAI QUYET MAU THUAN VA TRANH CHAP — CHASM Der HQP BONG BAO mtm 11

DIEU 13: THO TVC GIAI QUYET QUYEN LQI BAO HIEM 11

13.1 Thai han Op you cAu giai quyet quyen loi bao hiem 11

13.2 Ch6ng t& yeu cau giai quyet quyen lgi bao him 12

13.3 Thai gian giai quyet quyen Igi be° him 13

CHUICING IV: CAC QUYEN COA BEN MUA BAO HIEM 13

DIEU 14: THOI GIAN CAN NHAC 13

DIEU 15: CAC THAY DOI LIEN QUAN DEN HOP DONG 13

15.1 Thay del thong tin dm Hop Deng: 13

15.2 Thay di cv the lien quan den Ngtroi Duqc Bao Hiem 13

15.3 Thay dei Ben Mua Bao Hiem 14

DIEU 16: TAM ONG TO. GIA TR1 TAI KHOAN HOP DONG 14

DIEU 17: ROT GLA TRI TAI KHOAN HOP DONG 15

DIEU 18: CHAM DOT HOP BONG TRU& THOI HAN 15

CHUONG V: PHI BAO MEM VA CAC KHOAN PH! LIEN QUAN DEN HQP BONG BAO HIEM 16

DIEU 19: PHI BAO HIEM 16

19.1 Phi Bao Hiem Cu Ban 16

19.2 Phi Bao Hiem Deng Them 16

19.3 Gia han deng phi bao hiem vi Met hieu lqc Hop Deng 16

DIEU 20: CAC KHOAN PHI LIEN QUAN DEN HQP DONG 16

CHUONG VI: QUY DINH CHUNG 18

DIEU 21: NGHTA CUNG CAP VA BAO MAT THONG TIN COA CONG TY 18

DIEU 22: NGHTA. VV ICE KHAI TRUNG THLIC COA BEN MUA BAO HIEM VA NGUOI DUOC BAO HIEM 19

DIEU 23: TRVONG HOP KE ICHAI SAI TUOI VA/HOAC GIN TINH 19

DIEU 24: MIEN TRUY XET 20

DIEU 25: NGUQI THV HONG 20

DIEU 26: CHASM DaT HQP DONG 21

DIEU 27: GIAI QUYET MAU THUAN VA TRANH CHAP 21

B. PHI) LUC 1— PHAN DINH NGHIA

'4

4

QUY TAC, DIEU KHOAN

SAN PHAM BAO HIEM LIEN KET CHUNG THOT HAN 20 NAM — BONG Pill MQT LAN — KE HOACH TIET KIM

(Ban hanh kern theo ding van so 8443/BTC-QLBH ngay 16/07/2018 BO Tai chinh)

A. PHAN NO! DUNG

CHUONG I: QUYEN LQI BAO MEM

Trong th6i gian Hop Deng c6 hiau km, cac quyen lcri neu ti Clurcmg nay se &roc Cong Ty xem xet chi tra cling yea cac dieu khoan va dieu kin tuong

DIEU 1: QUYEN LQI BAO MEM THUONG TAT DO TM MN

1.1 Quyen lqi bao hiem thwung t#t do Tai Non

a) Neu Nguoi Duct Bao Hiem bi thucmg tat do Tai Nun, COng Ty se xem xet chi tri quyen Igi theo tY 1 phan tram dm SO Tien Bao Him nhv quy dinh dm bang dual day:

Tinh Trang Thtrcrng T(it TST le chi tra (% Se Tien Bao Hiem)

Mtit chi tra toil da (1 (Trieu Deng)

Ca hai tay hoc ca hai chan hoc ca hai mat

100% Kh8ng ap clung

+ MOt tay va mat than; hoc

+ Mat tay NT& mat mit; hoac

+ Mat chan va mat mat.

100%

Khong ap clang

MOt chart hoc mat tay hoc mat mat 50% Khong ap dung

Ca hai tai 50% Kh6ng áp dung

Mat ben tai 10% 100

Tieng n6i 50% Kh8ng ap dung

Ng6n tay cal 20% cho mcii ngen tay cai

200

Ng& tay tre 10% cho IA ngon tay tro

100

Ng6n tay giirra 6% cho mOi ngon tay giaa

60

1/21

Ngon tay AID at 5% cho mei ngen tay áp at 50

Ngen tay at 4% cho miii ngen tay at 40

Tat cit 10 nem chin 30% 300

Tat ca 05 ng6n chan tren cling 01 ban than

15% 150

Nein chan cal 5% cho mei ng6n chan cal 50

(*) Mirc chi tra tOi da cho m8i thuong tat dOi veri mOi Ian thanh toan quyen lqi nay.

b) Neu ding met Tai Nan gay ra tü hai (02) Tinh Trang Thtrang Tat ter len, along Ty se thanh toan teng s6 tin cAn tra cho ck Tinh Trang Thucmg Tat nay.

1.2 Quyen lqi bao him tan thircrng n0i tang do Tai Nan

Neu Ngueri Duqc Bao Hiem bi ton thuong nei tang do Tai Nan clAn den viec phai pith thuat ma 6 yang byng hoc ngvc, C8ng Ty sE chi tra 15% (mtrai lam phan tram) Se Tien Bao Hiem (nhtmg Ichong lan lion 150.000.000 (met tram Liam muai trieu) Deng) cho m8i Tai Nan.

C6ng Ty có quyen ICr ch8i chi tra Quyen lqi bao him tOn thucmg nOi tang do Tai Nan neu ngay sau !chi xay ra Tai Nan, Nguti Duqc Bao Hiem khong !tam vin lam benh nhan Wei tra tai benh vin.

1.3 Quyen lqi bac, hien' gay neon do Tai Nan

a) Neu Ngthri Duqc Bao Hiem bi gay, art hoc v xucrng do Tai Nan, Cong Ty se xem xet chi tra Quyen lqi bao hiem gay xtrcmg do Tai Nan theo tji l pi& tram dm Se Tien Bao Hiem nhu quy dinh dm bang dual day:

Xining hi gay TY le chi bit (% SO Tien Duo hem)

Mac chi tilt tOi da cho mOi lo#i tOn thtrang xifcrng (trieu Wing)

Nth hoc ver xucmg Sc) (trir phlu thuat dau)

30% 300

Gay xucmg ham duai 15% 150 Gay xtrong ham ten 10% 100 Gay xuong mat 5% 50 Gay ce tay, có chart, mat ca chan, canh tay tren va canh tay dtrei

50/ 50

Gay xuang Ire 15% 150 Gay m8i xuang suErn 5% 50 Gay cet song 12% 120

2/21

vt 1/2

•

Gay xtrang chau 50% 500 Gay xucrng cut 10% 100 Gay met hoc hai 'wan diti 30% 300 VO met hoc hai xuang banh che 15% 150

Cong Ty se chi tra Quyen Igi bao hiem gay xucmg do Tai Nan cho cac tan Tai Nan khac nhau. Trong tru69 hgp xay ra tir hai Tai Nan ter len gay ra ding met loai ten thuang xuong Ididp va ton thucmg eta Iln Tai Nan lien truerc da dugc tong Ty chi tra quyen Igi nay, Clang Ty se tiep Arc chi tra cho tem thucmg cüa Ian Tai Nan ke tiep vei dieu kien Tai Nan Ice tiep xay ra sau Tai Nan lien tnr6c tir du mtrai hai (12) thong tit

Neu cling mOt Tai Nan gay ra ten thucmg gay tir hai (02) loai xuong tr6 len, Clang Ty se thanh than tong so tien can tra cho cac quyen Igi nay.

1.4 Quyen lqi bAo hiem bong nghiem trqng do Tai NAn

Neu Nguti Dugc Bao Hiem bi b6ng do Tai Nan, C8ng Ty se chi tra Quyen Jai bao hiem bang nghiem trong do Tai Nan theo tji le pl.& tram dm SO Tien Bao Hiem nhtr quy dinh tai bang duel day.

Tinh trAng Tjr 1e chi tra (% STUB)

Mot chi tra t6i da

Bang cAp dO ba >= 20% dien dell be mat da 100%

Killing áp dung Bang 9p dO ba >= 15% dien tich be mat da 75%

Bong cap do hai >= 20% din dal be mat da 50% Bong cap dO hai >= 10% then tich be mat da 25%

Cong Ty co quyen tir ch6i chi tra Quyen lgi bao hiem bong nghiem trong do Tai Nan neu ngay sau khi xay ra Tai Nan, Ngtrol Mtge Bao Hiem kitting dugc dieu tri b6ng tai met berth vien.

Lwu Trong ntoi Throng hop, tAng gici 14 chi Wit cho ctic quyht 10 nelt toi Dan 1.1 din Mkt 1.4 khong vtrot guci m'Ot tram phtin Weim (100%) So Tan Btio

1.5 Chin( dui quyen lqi

Ngoai nhang truong hop cham dirt quyen lgi bao hiem da neu tai Hgp Deng, Quyen Igi bao hiem Thtrcrng Tat do Tai Nan quy dinh tai Dieu 1 nay chain dirt khi Ngtrai Dugc Bao Hiem dat bay muai (70) Tu6i.

DIEU 2: QUYEN LOI BAO HIEM THHCfNG TAT TOAN BO VA ViNH VIEN

2.1 Neu Nguoi Dugc BA° Hiem bi Thuang T'At Toan BO VA VIA Vien, Clang Ty se xem xet chi tra quyen Igi Thum TAt ToAn BO VA Vinh Vienla tong dm:

(i) SO tien IOn hcrn gift So Tien Bao Hiem Ara gia tn Tài KhoAn Co Ban tai then diem C6ng Ty chAp nhan chi tra quyen Igi Thucmg Tat Toan BO VA Vinh Vien;

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va

(ii) Gia tri Tai Khoan Bong Them.

Hop Deng chem dirt tai thai diem Clang Ty chap nhan chi tra Quyen lqi Thuang Tftt Toan BO Va 'Vinh Vien.

2.2 Cham dfit guy& lqi Ngoai nhfing truang hop chem dirt quyen loi bao him da nêu tai Hgp Deng, Quyen lqi bao hiem Thucmg Tat Toan BO Va Vinh Vien nêu tai Dieu 2 nay cham dirt khi Ngtrai Duce Bao Him dat bay muai (70) 'Nei.

DIEU 3: QUYEN LQI BAO HIEM TtVONG

3.1 Quytn lqi bão him hi vong:

Neu Ngtroi Duqc Bac, Him tir vong, Cling Ty se xem xet chi tra quyen Lai bao him tir vong la ten cam

SO tien Ion han gifia SO Tien Bao Him va giátrj Tai Khoan Co Ban tai tiled diem C8ng Ty than duqc you eau giai quyet quyen lqi tir vong; va

Gia tri Tài Khoan Deng Them.

3.2 Quytn lqi bin) hitm tie vong do Tai Nan:

Ngoai quyen loi bao hiem tir vong nou tai Dieu 3.1, neu Nguai Duqc Bao Hiem tir vong do Tai Nan truck khi Nguai Duqc Bao Hiem dat bay MIKA (70) Tuei va thuec met (01) trong cdc twang hop sau, Cling Ty se xem xot chi tra them:

Ba tram phen tram (300%) SO Tien Bao Hiem, neu Ngueri Duce Bao Hiem bi tir vong do tai nan may bay kid dang la hanh khach c6 mua ye teen met chuyen bay throng mai;

Hoc:

Hai tram phan tram (200%) s6 Tien Bao Hiem, neu Ngueri Duce Bao Hiem bi tir vong do Tai Nan khang thuOc truang hap (a) va thuec met trong cac twang hop sau:

Nguai Dtroic Bao Hiem bi tir vong do tai non giao thong khi dang IA hanh khach c6 mua ve tren cac Phucrng Tien Giao Thong Cong ging; hoac

Nguari Owe Bao Hiem bi tir vong do tai nan thang may khi dang di chuyen bang Thang May (ngoai tit nhang ngtrai dang lam nhiOm vo sira chfra/bao tri Thang May); Mac

Ngueri Duce Bao Hiem bi tir vong do hau qua true tiep cüa 116a hop xay ra tai cac TM Nha Cong COng.

Hoc:

4/21

4,

Mt tram phan tram (100%) SO Tien Bao Him, neu Ngueri Dugc Bao Hiem bi ta vong do Tai Nan kh8ng thuec hai twang hgp a) va/hoac b) neu tren.

Lieu 0: Truot kid thanh loan Quyen Igi bdo ;dim ter vong do Tai Ngn, ang Ty se Erie di tit eel cdc gid et& cdc guyen 10 guy din!: tgi Dieu 1.1, Dieu 1.2, Dieu 1.3 va Dieu 1.4 do dirge Cong Ty thanh tan fru& do (niu co).

3.3 Quyen Int &nth cho ngtrivi kitting hot thuOc la:

Neu dugc C8ng Ty chAp nhan chi tra Quyen lgi bao hiem ter vong vã/hoc Quyen Igi bao hiem tfr vong do Tai Non quy dinh tai Dieu 3.1 va/ho4c Dieu 3.2, Cong Ty se chi tra them mai phan tram (10%) SO Tien Bao. Him neu: (i) t.i tiled diem ter vong, Ngueti Dugc Bào Hiem tü dü mueri lam (15) Tuoi tit len; va (ii) dugc xac dinh la nguai kh8ng hut thutic la trong suOt Thai Han Hgp Deng.

3.4 Quyen Inti tryr cap mai tang:

Khi nhan dtrgc yeu cau giai quyet quyen lgi bao hiem tCr vong theo Dieu 3.1 va/hoac Dieu 3.2, C8ng Ty se chi tra tnrot cho Ngtreri Thy Huang Quyen Igi trq cap mai tang la s6 tien nhe hcm giaa: (i) 10% SO TIM Bao Hiem va (ii) 30 (ba mucri) trieu clOng, veri dieu kien:

Sc kien ta vong xay ra tron4 thin gian Hop DOng có hieu lot va sau m'Ot (01) Mtn ke tü Ngay Hieu Luc Hp Deng; va

Nguyen nhan tcr vong Ichong thuem nheing tnrang hcrp duct quy dinh tai Dieu 10.1 vã/hoc Dieu 10.2 dual day.

Lieu

D Diu j5 trottR Wee „vie dinh auven M &to hiem neu tai Dieu I, Dieu 2 va Dieu 3 tren drew

56 Tien Bao Hiem va TutSitcaa Nguai Duct Bao Hi ts lam can dr chi tra quyen Igi theo Dieu 1 va Dieu 3 la SO Tien Bao Hiem va TuOi cüa Ngulai Dugc Bao Hiem tai tiled diem xay ra so kin bao hiem;

SO TIM Bao Hiem va TuOi cüa Ngtrai Dugc Bao Hiem lam can ca chi tra quyen lgi theo Dieu 2 la SO Tien Bao Hiem va TuOi cüa Ngirfai Dtrgc Báo Hiem tai theri diem Cong Ty chap nhan thanh toan quyen lgi bao hiem;

Trutt !chi thanh toan Quyen Igi bao hiem ta vong nhu dugc nett tai Dieu 3 tren day, Cong Ty se xem 'cot:

ging: Phi Bao Hiem Rai Ro va Phi Quan Hap Ding sau ngay xay ra sr kien ta vong da bi tit t& Gia Tri Tai KhoM Hgp Deng.

Ira di:

s

0

5/21

Nq (neu c6);

Quyen lqi ft-9 ch mai tang ma Cong Ty de thanh toan (neu có);

Ngoai ra, C8ng ty se xem xet (i) hoan lai cac khoan phi bao him de dong, khong có duqc nOp sau ngay you cat' giai quyet quyen lqi bao him neu ti Dieu 3 (neu

có) va (ii) thu hei/khAu trfr tAt ca cac guy& lqi bao him phat sinh sau thei diem Ngtrai Dtrqc Bao Hiem tfr vong ma Cong Ty de thanh toan (neu co) kh6ng tinh mi.

DIEU 4: MITC DIEU CHiNH THONG TIWONG HOP NGIYOI BOX BAO mtm LA TEE EM

Trong tnrong hccp Ngueri Duct Bao Hiem la tit em duai ben (04) Tuei, SO Tien Bao Hiem va/hoec mfrc chi tra tói da cüa tfrng quyen lqi neu tai Dieu 1, Dieu 2 va Dieu 3 (ngoai trix Dieu 3.3) se duqc dieu chinh tucmg Ung vai timg de Tu6i theo bang dual day:

Mei dm Ngtxfri Dirge Bao Hiem T$( le dieu chinh

Tit met (01) thang Tu.& den dual 01 TuOpi 20% Tit 01 TA den duel 02 TuOi 40% Tit 02 Tuoi den dual 03 TuOi 60% Tfr 03 Tait den duel 04 TuOi 80%

DIEU 5: QUYEN LQI DUY TEl HOP BONG

Quyen lqi Thei diem chi tra Cach that chi tra

SO tien chi tra

A Quyen IAA Duy Tri Hqp Deng Dinh Kjr

Vao miii Nay KS/ Niem Hop Dong thfr sau (06), muoi hai (12) va muiri tam (18) Chi tra vao Tai

Khoan Ca Ban

Chin phAn tram (09%) dm Gici Tri Tai Kholin Cu Ban Trung Binh.

Quyen IAA Duy Tri Ho Deng D'ac Bit

Vao mei NOy KS, Niem Hqp Don, Mir mired sau (16) den this hai mucri (20)

Mot pith tram (01%) Se .5, Tien Bao 1-hem.

GM Tri Tizi Khocin Co Bain Trung Binh M gia trj hung binh mkt bay meat hai (72) gici tri Tai Khoem Cu Ban tat bay mirai hai (72,) Ngay KY Mem Hang Thcing gan nhcit, bao gam Ngay Niem Hang Thong tat theri diem dang xem xit.

Quyen lqi duy tri Hqp Deng chi duce chi tra vai dieu kin:

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Kheng oft giao dich Rat Gia Tri Tai Khoan Co Ban ketir Ngay Hieu Luc Hop Wong; vi

Tong se den Tam (ing Tir Gia Tri Tai Khoan Hgp Deng va Idi phat sinh lien quan den khoan tam img kitting vugt qua gia tri Tai Khoan Deng Them tai theri diem xem xot.

DIEU 6: QUYEN LQ*I DUY Till HIEU Mgt HQP BONG

Hop Deng se duce duy tri hieu luc cho dü Gia Tri Tai Khoan Co Ban Miffing âü de thanh toan cac Khoan 1theu Trir Hang Thing vit Ng (neu co), veil dieu kin:

Itheing co bet kt giao dich Rut Gid Tri Tai 1Choan Co Ban ke tir Ngay Hieu Luc Hgp Deng; va

Tai then diem xem xet, (1) tOng so tien Tam ting Tir Gia Tri Tai Ithoan Hop Deng va lAi phat sinh lien quan den viec tam img Icheing vugt gia tri Tai Khoan Bong Them va (ii) Hop Deng khOng trong th6i gian gia han thing phi nhu quy dinh tai Dieu 19.3.(a).

DIEU 7: QUYEN 141 [PAO HAN

Vito Ngay Dao Han, C8ng Ty se chi tra toan 130 Gia Tri Tai Khoan Hop Deng sau khi trir Ng (neu co).

DIEU 8: QUYEN LQ1 DAU TU.

8.1 Dinh Icy hang thang,can c& tinh hinh hog &Ong deu tu tren thi truerng tai chinh, Cong Ty se thong bao tren website ctia Cong Ty mire Idi suet ding be áp dung cho cac Hop Bong.

8.2 Sau khi ket thoc mai nam tai chinh, C6ng Ty se danh gia lai ket qua hog clOng cüa Quy trong nAm vira tn. Neu boat dOng deu tu cüa Quy dat ket qua tOt ban du kien, tut la Idi suet cong b6 thap hcrn ket qua thuc te, Ong Ty se chi tra phan ldi chenh lech vao Gia Tn TAi '<Ivan Hop Deng trong nAm tai chinh tiep theo, sau khi kheu trir cac phi lien quan (neu cO).

8.3 Trong trtrerng hop boat gong du tu cüa Quy dat ket qua Map hcrn du kien, tirc la Idi suet cong b6 cao ban ket qua thuc te, Gia Td TAi Khoan Hop Bong dm Ben Mua Bao hem van gift nguyen theo mirc mi suet ding be ma Cong Ty dd ap dung.

8.4 Ithong phi) thuec vao ket qua hog &Ong dAu ttr cua Quy, C8ng Ty cam ket tY l la; suet dau tu nhu sau:

•

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Mm Ho Deng Lai suat cam ket Tir Nam Ho Deng thirr 1 den NAm Hop Deng tin:: 5

3,0%

Ta Mm Ho Deng &lir 6 den Nam Hop Deng tin:: 10

2,0%

Tit Nam Hop Deng the: 11 tra di 1,0%

8.5 Lai do C8ng Ty chi tra se dirge phan be vac, gia tri tAl khoan tucrng (mg.

DIEU 9: BAO MEM TAM THCH

9.1 Trong thai hgn bad° hihn gun that nu Nguti Mtge Bao Him cUa san pham bao hiem chinh tit vong do Tai Nan, Cong Ty se chi tra sO tien nha han

Teng 56 Tien Bao Him côa san pharn bao hiem chinh ghi tren tAt ca he so you cu bao hiem dang duce xem xet cüa ding met Nguari Dove Bao Hiem do; va

200.000.000 (hai tram trieu) thing.

Quyen lqi bao hiem tam then se &rot chi tra cho thong Ngtrai Tho Huang c6 ten trong cac H So You Cau Bao Wein dtrqc chap thuan chi tit, theo each [him sau:

Neu Quyen lqi bao hiem tam thin la gia tri nou tai diem (a): Cong Ty se chi tra tang 56 Tien Bao 1-hem tucmg (mg voi timg H Sa Yeu Cau Bao Hiem,

Neu Quyen lqi bao hiem tam thai la gia tn nett tai dram (b): s6 tian nay se dugc chi tra theo ty le phi bao hiem da deng tucmg Cmg giaa cac He Scr Y8u Cau Bao Hiem.

Neu tOng phi bao hiem da (long dm vat ca ck He So Yeu Cau Bao Him dang ch6 cap lon hon 200.000.000 (hai tram their) deng, Cong Ty se chi tra lai tong phi bao hiem da dons, kh6ng có Ili.

Trong tnrong hop C6ng Ty chi tra quyen lvi bao hiem tam thai, Cong Ty se IchOng hoan so phi bao hiem dA &mg.

Thai hgn bdo tgm that duqc tinh tir khi C8ng Ty clang dau xac nhan da nhan day dt1 HO Sa Y8u CAu Bao Hiem hop IG va dA nhan duqc day clU phi bao hiem dau tien den Ngay CAp Ho Deng hoc ngay Oleg Ty ban hanh vAn ban dr choi bao hiem hoc ngay Ben Mua Bao Hum co van Mn yeu cat' hey 43 Hop Deng, thy ngay nao den tnrk.

9.2 Quyen lqi bao hiem tam thed nen ten se kh8ng c6 hieu lye va Cong Ty se chi tra lai phi bao hiem c/a d6ng, khong tinh Ili, sau lchi da air cac khan chi phi y te va chi phi ma Clang Ty phai thanh toan trong viec danh gia Mi no bao hiem nett Ngtrai Duqc Bao Hiem tir vong do bat Icy nguyen nhan trot tiep nao sau day gay ra:

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Tv tir, dn trong trang thai tinh tao hay mat tri; hoc

SO dyng ma tuY, chat kich thich, chat gay nghien hoac cac that uóng c6 cM vi pham phap 141 hien hanh; hoac

Cac hanh vi vi pham phap lust lah sr cüa Ngai Duce Bao Hiem, Ben Mua Bao Him hoac cua Nguoi Thy Huemg.

Sv kien dan an tCr vong cUa Ngueri Dugc Bao Hiem xay ra try& khi that hgn Mo ham tgm Mai bat dau.

DIEU 10: GI61 HAN PHA1V1 VI 13;k0 HIEM

10.1 Dia v61 Quyen lgi bao him ta•vong:

Cong Ty se kh8ng chi tra Quyen Igi bao him tü vong theo quy dinh tai Dieu 3.1 au Ngueri Dugc Bao Them tir vong c6 lien quan trvc alp den met trong cac nguyen nhan sau:

Tv tit hoac c6 hanh vi tv tir trong tiled gian 02 (hai) nam ke tir Ngay Hieu Lvc Hyp Ding, cho dü Nguai Dan Bao Hiem c6 bi mat tri hay kh6ng; hoac

Cac hanh vi vi pham phap luat hinh sr cUa Ngueri Duce Bao Hiem, Ben Mua Bac Hiem hoac cUa Ngueri Thy Huemg.

10.2 D61 ved Quyen lqi bac) hien' thmmg tat do Tai Nan vit Quyen lqi bao hiS tir vong do Tai Nan:

Cong Ty se kheng chi frit Quyen Igi bao hiem thuang tat do Tai Nan va/hoac Quyen Igi bao hiem t& vong do Tai Nan theo quy dinh tai Dieu 1 va/hoac Dieu 3.2 neu sir kien bao hiem c6 lien quan trvc tiep den met trong cdc nguyen nhan sau:

Cac tang hgp neu tai Dieu 10.1; hoac

Do Ngueri pugc Bao HIS tv yr sir dyng bat 14 loai thac kich thich, ma thy, chat gay nghien, chat ac hoac thuoc kheing theo chi dinh dm bac si; hoac

Do chien tranh hoac hanh dung nao lien quan den chin tranh, da la dugc tuyen be hay thong dirge tuyen be, tham gia Ivc Lang vu trang cüa bat Icy nuerc nao dang ce, chien tranh hay lye lugng dan phong; hoac

Tham gia (fah nhau, Au dá, bp loan, kheri nglifa, bao dung dan sv, bleu tInh, dinh c6ng hay Laing hoac

NguOi Dirge Bao Hiem bi tai nan hang kh8ng, tit khi Ngtreri Dugc Bar) Hiem la hanh khach c6 mua ye tren rat chuyen bay thuong mai; hoac

Brit Icy tim thuong nào cüa Ngueri Dugc Bao HIS xay ra khi có tinh can trer hoac chting lai viec truy bat caa ngueri thi bah phap luat hoac do ha qua trvc tip hoac gian

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tiep cUa cac hanh vi chay xe qua tAlc d hoc Wing rtrou bia \argil qua mire quy dinh khi tham gia giao thong theo luat giao thong hien hanh; hoac

Tham gia cac float dung the thao chuyen nghiep hoc cac float dOng co tinh chat nguy hiem nhu nhay dü, leo nOi, sari ban, dua xe, dua ngtra, lAtt ca binh khi nen; hoac

Benh CO Sail, ngoai trir nhang truerng hop da duqc ke khai va duqc str chap thuan cüa C8ng Ty; hoc

Bat k9 tinh twig Van thuang, b6ng hay thuang tat nao cüa Ngtari dtryc Bao hiem la hau qua coa viec dieu tri benh.

Lieu 0: Nesu Ngual Duqc Bao vong thuac cac tneemg hop neu,tai Diiu 10.1 va Dieu 10.2 neu tren, Ca ng Ty se chi thanh loan GO Trl Tai Khoan JI9p &Ong dirge xac dinh vao ngay Gong Ty nhein dirge yeu cdu gild quyet quyen 191 btho hiem sau khi kheiu trir: (i) Mc chi phi dux te cita Cong Ty phat sinh lien quan den Hop &Mg, (117 Quyen 191 tro cap mai tang ma Ging Ty del thanh torin va (iii) các khoan Na theo quy dinh cact 119p Elting.

10.3 D6i vOl Quyen lqi ha° him Timing T0t Toil' B6 VA Vinh Vin:

Cong Ty se khong chi tra Quyen lqi bac) hiem Thuang Tat Toan BO VA Vinh Vin theo quy dinh tai Dieu 2 nu sir kien bao hiem xay ra c6 lien quan trot tip den mOt trong cac nguyen than sau:

Cac truang hop neu tai Dieu 10.1; hoc

Cac Benh Co San, ngoai trir nlang truang hop oda durgc ke khai va dtroc sty chap thuan dm Cling Ty.

CHUTENG II: THONG TIN VE QU2 LIEN KET CHUNG VA QUYEN LQ1 MU TY

DIEU 11: THONG TIN VE CO CAU VA BOAT HONG CIJA QUI' LIEN KET CHUNG

Quy Lien KM Chung ("Quy") dtryc hinh thanh tir Phi BAo Hiem Ca Ban Duqc Phan 136 va Phi Bao Hiem D6ng Them Duct Phan 136 va duct too ra tfr tAt ca citc hop thing bao hiem lien ket chung do Cong Ty phat hanh. Moc tieu Mu tu cAa Quy IA nham muc dich dat duct lqi nhuan Mu tu On dinh va sinh lai v6i kha nang thanh khoan cao.Cac tai sari tap trung chü yeu vao trai phieu chinh phü, trai phieu do thi, trai phieu doanh nghiep, cac cling cy ctia thi tnrong tin te va cac k8nh Mu tu khac.Cong Ty c6 tan quyen guy& dinh chinh sach Mu tu va phuang thirc quail 19 Quy phi] hap vai quy dinh ciut phap luat.

Cong Ty bao Itru quyen iv thac toin b hoc bat k9 tham quyen Mu tu va guy& dinh cUa C8ng Ty cho bat k9 cá nhan hay tO chirc nao theo citc dieu kien do Cong Ty quyet dinh.

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DIEU 12: GIA TRI TAI ICHOAN HQP BONG

12.1 Gia trj Tai Khoan Ccr Ban:

Gia trj Tai Khoan Co Ban s thay 46i va dirge dieu chinh theo cac giao dich cüa Hop Deng bao gem:

Tang sau khi &Km Ong Phi Bao Him Cu Ban Dugc Phan Be (nu c6);

Tang sau khi dugc Ong IAi phat sinh trong thang 46 can dr FM suit cong be neu tai Dieu 8.1;

Tang sau khi dugc &Ong Quyen lgi duy tri Hgp Deng (neu c6);

Giam sau khi trfr Khaki KhAu Trir Hang Thang;

Giam sau khi tit khoan rat ffi gia trj Tai Khaki Ccr Ban va Phi di kern (neu c6).

12.2 Gia tri TM Khan Hong Them: ti•

Gia tri Tai Khoan Deng Them se thay 461 Nth duce dieu chinh theo cac giao dich cUa Hyp DOng bao gem:

Tang sau (chi cgng Phi Bao Hiem Deng Them Dugc Phan Be dm thing 46 (neu c6);

Tang sau khi dtrgc Ong lai ph& sinh trong thang 40 can c* IAi suat cong be neu tai Dieu 8.1;

Giam sau khi nit Khaki KhAu Trir Hang Thang (neu gia tn Tai Khoan Ca Ban thong der de chi tra khaki tien nay va Hgp Deng killing du dieu kien a dugc dam bao duy tri theo guy dinh tai Dieu 6);

Giam sau khi dugc tit khoan rut tfr gia trj Tai Khoan Deng Them va Phi di kern (neu co).

Hang nam, gia trj Tai Khoan Cct Ban vã gid trj Tai Khaki Deng Them se dugc thong bao den Ben Mua Bao Him theo guy dinh phap luAt.

CHUONG MAI QUYET QUYEN LQI BAO HIEM — GIAI QUYET MAU THUAN VA TRANH CHAP — CHANI Del HP HONG BAO HIEM

DIEU 13: THU TUC CAI QUYET QUYEN LOT BAO HIEM

13.1 Thal h3n nQp yeu au gild quyet quyen lqi bao hum

Ben Mua Bao Hiem hoc Ngueri Thu Huerng ca nglifa NT thong bao cho COng ty ve str kin bao hiem trong theri gian senn nhAt ke tcr kill Ben Mua Bao Hiem hoc Ngtrai Thu Huerng biet dugc sr kien bao hiem va cung cap cac chirng tu theo guy dinh de giai

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quyet quyen Igi bao him.

Thai han nOp don you cau giAi quyet quyen Igi bao hiem tOi Cong ty tei da la mOt (01) nam, ketCr ngay )(Ay ra sr kien bap him, thei gian met (01) Liam nay kitting bao góm thin gian tri Man do cac tra ngai kith quan va sçr kin bat kha khang.

13.2 Chtimg tir yeu chi giãi quyet quyen 191 bac) him

Tru6c Ichi thanh todn quyen Igi bao him, C8ng Ty phai nhan dugc day dU cdc loai chfrng tit hcm le dtrgc quy dinh tai tang quyen lgi ttrang Ong nhu sau:

a) DOi vei you eau giai quyet Quyen Igi bao him tCr vong:

Don yeu cau giai guy& quyen IS bac him va Giay cry quyen dtrgc lap theo mau cüa Cong Ty; va

GiAy chlmg tir (Ban sao c6 chang thtrc sao y ban chinh cüa cdc cct quan ce thAm quyen); va

Ha so y te, ban sao benh an có ;the nhan cüa ca se y te dieu tri, giay ra vin, ket qua xet nghiem, ket qua chart doan hinh Anh, gitly cluing nhan thucmp tich, ket qua gidm dinh y lchoa, bang ke chi tiet vin phi, h6a don, don thu6c (neu c6); va

Gray to chang minh quyen nhan quyen Igi bac) hiem nhu van ban Uy quyen, van ban phan chia di san thaa ke, di chitc hoc cdc giay tat xac nhart hgp phap Ichac; va chang minh nhan dan/giAy t6 nhan than dm ngtrai c6 quyen nhan quyen lçci bao hiem; va

Trong twang hyp tfr vong do Tai Aryn, ngoai cac chimg tü neu tren, can' phai np them:

HO so Tai Nan: bien ban tai nan, bien ban kham nghiem hien tnrang, bien ban ket luan dieu tra do Clang an cap quan/huyen tr6 len lap; va

Cac bang cluing cho thAy c6 sr hien din caa Nguai Dugc Bao Hiem tren Mc chuyen bay thuang mai hoc cdc Phuong Tien Giao Thong COng COng hoc Toa Nha Cong COng.

b) Din yeti yeu cau gal quyet Quyen Igi Thucmg Tat Toan BO Va Vinh Vin

Cac chang tit neu tai Dieu 13.2.(a),(0, I3.2.(a).(iii), va 13.2.(a).(iv); va

Ket qua giam dinh tinh tang throng tat do HOi dng y Ichoa cap tinh hoc ca quan among ducmg theo quy dinh cUa phdp luat cAp.

0 Dot yeu eau giai quyet Quyen Igi thtrang tat do Tai Nan

Cac chang ta neu tai Dieu 13.2.(a).(i), 13.2.(a).(iii), 13.2.(a).(iv), 13.2.(a).(v) va 13.2.(a).(vi).

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13.3 Thôi gian giai quyet quyen Igi bao him

Cong Ty se xem )(it va chi tra quyen Igi bao hiem (nu dugc chap thuan) cham nil& la 30 (ba muai) ngay ke tit ngay nhan dirge day dU cac cluing tU theo yeu cau. Trong tnrang hop tit ch.& chi tra, Cong Ty se c6 van ban neu re 19 do dr chei.

Neu vi bat k9 19 do gi ma quyen Igi bao him duct Cong Ty chap nhan nhung khong dirge C8ng Ty chi tra trong thed gian quy dinh thi Cong Ty se tra Mi cho thai gian tra cham ten ca sa Lai suat bang vâi Mi suAt tam (mg tfr Gia Tri Tai 1Choan Hop Deng dirge ding be teen website cüa Clang Ty.

CIIVONG IV: CAC QUYEN CUA BEN MUA BAO HIEM

DIEU 14: THOT GIAN CAN NHAC

Trong yang hai muai met (21) ngay k tir nØy nhan Hop Deng, neu Cong Ty chua nhan dirge you cau giai quyet quyen Igi bao hiem, Ben Mua Bao Hiem c6 quyen tü eh& tham gia bao hiem bang each giri van ban thOng bao den Cong Ty, kern theo cac 116a don thu phi bao hiem (neu co) va be Hgp Deng. Sau khi nhan dirge day da cac tai lieu, C6ng Ty se hoan tra lai phi bao him da dong, kh6ng c6 Mi, sau khi trir di chi phi kham, xet nghiem y khoa (neu c6).

DIEU 15: CAC THAY DOI LIEN QUAN DEN HQP HONG

15.1 Thay dOi thong tin cim Hop DOng:

Trong thôi gian Hgp Deng can hieu lire, Ben Mua Bao Hiem c6 the you dii thay dei lien quan den Hgp Deng pith hop Arai cac quy dinh cüa Hgp Dell nay va phap luat. Tat ca yeti cAu thay dói bao gam: thay dói Ngued Thu Hirtmg, thay doi thong tin lien he dm Ben Mua Bao Hiem, chuyen nhugng hgp deng, va/hoac tham gia hoc hay be cac sin pham bao him be trg phai dirge lap theo mau eUa Cong Ty va girl den C8ng Ty. Cac thay del nay se chi c6 hieu lire sau !chi dirge Gang Ty chap thuan bang van ban hoc ban hanh (cac) Xáe Nhan Thay DOi Hgp Deng.

15.2 Thay dei cy the lien quan den Nguiri Dtrqc Bao Hiem

a) Ben Mua Bao Hiem phai th6ng bao bang van ban cho C6ng Ty cham nhat trong \tong ba mirth (30) ngay ka tu ngay c6 sir thay dei, neu Nguei Dirge Bao Hiem:

Di chuyen ra nuac ngoai tit chin muai (90) ngay tit len; hoc

Thay del nai cu trü, dia chi lien he, ho ten, cluing minh nhan dan; hoac

Thay dea ye nghe nghietp, tinh chat Gong viec hoc v viec tham gia cac hoat dOng the thao c6 tinh chat nguy hiem.

b) Doi vâi cac thay del neu ten (cho dü Ben Mua Bao Hiem c6 thong bao hay khong), C6ng Ty c6 the tiep tuc duy trl quyen Igi bao hiem cho Ngueri Dugc Bao Hiem voi cac

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dieu kin kitting thay dei, vã/hoc thay dOi Phi Bao Hiem Riti Ro, va/hoac Phi Bao Hiem Ca Ban va/hoac SO Tien Bat) Hiem; vã/hoc loai trt mdt s6 quyen lgi bao hiem hoc charn dirt H9p Deng. Trong twang hqp cham dirt Hap Wong, C6ng Ty se chi tra cho Ben Mua Bao Hiem Gia Tri Hoan Lai tai tiled diem do. Cong Ty sE khang you cau Ben Mua Bao Hiem hoan tra bat ky khoan thanh toan nit° neu Ben Mua Bac) Hiem van can ng Cong Ty sau khi da can tit het Gift T Hoan Lai.

15.3 Thay (di Ben Mua Bio Him

a) Chuven nhwunk Hop Donk:

Ben Mua Bao Hiem c6 the chuyen nhtrgng Hgp Deng trong khi 1-19p Deng van dang co hieu lure nu c6 van ban yeu cáu va dugc Cang Ty chap thuan bang van ban thong qua viec phat hanh Xac Nhan Thay D6i Hyp Deng. 061 ttrgng nhAn chuyen nhugng hgp Ong phai hi do dieu kien de fret thanh Ben Mua BA° Hiem nhu quy dinh tai Dieu 6 dm Ph9 19c 1 dirt kern Hgp Deng.

Cong Ty kitting chju trach nhiem v tinh hieu hie hay tinh day dit cita bat Icy yeu cau chuyen nhugng nao. Sau khi chuyen nhugng, ngtrai dugc chuyen nhugng së flap nhan cac quyen NT& nghla vv dm Ben Mua Elao Hiem theo quy dinh cart Hop D6ng.

b) That: thud?: chi dinh Ben Mua Bdo Ham mai cilia Hop Dank trong &wank hop Ban Mua Bdo Hiim hien tai ter vonecham diet boat dank

Trong thin gian Hgp Deng c6 hieu Luc, nu Ben Mua Bao Hiem bi tcr vong (twang hgp Ben Mua,Bao Hiem la ca nhan) hoc cham dirt hoat Ong (throng hgp Ben Mua Bao

IA to chine):

Neu Ngued Duqc,Bao Hiem tin de 18 TuOi war len \TA c6 dit cac dieu kien cOa Ben Mua São Hiem theo quy dinh trong Hgp Wong nay va Mc quy dinh cOa phap luAt, thi Nguti Dugc Bao Hiem s tra thanh Ben Mua Bao Hiem mai dm Hgp Deng.

Neu Ngudi Dugc Bao Hiem duti 18 Tu6i thi nguti giam he hap phap cOa Nved Dugc Bao Hiem se tra thanh Ben Mua Bao Hiem mai neu dap img cac dieu kien dtrgc quy dinh tai Hgp Deng.

Sau khi dugc su chap thuan cita Cong Ty, Ben Mua Bao Hiem mai së tiep then tat a cac quyen va nghla vu phat sinh tin H9p Deng.

DIEU 16: TAM UNG Tir GIA TRI TAI ICHOAN HOP BONG

a) Trong thai giangp Deng con hieu lye vA bat dau dr Nam H9p Deng thin hai (02), Ben Mua Bao Hiem c6 the yeu eau Cong Ty tarn (mg tin Gia Tri Tai Khoan Hgp Deng neu tong gm tri tarn tmg khong vugt qua tam mtrai plan tram (80%) Gia Id Tien Mt Thtrc Tra cita Hgp Deng tai thin diem yeu cAu tam (mg vA Idiong thap ban mire thi thieu do Cong Ty quy dinh vao tirng thai diem.

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Ben Mua Bao Hiem c6 trach nhiem thanh toan lAi cho cac khoan tam (mg tir Gid TriTài Khoan Hgp Deng.

Ben Mua Bao Hiem c6 the hoan tra gia tri tam img va läi phat sinh vao bAt cir lac nao neu khoan thanh toan meoi lan dap (mg mirc thanh than toi thieu do Cling Ty quy dinh tai tang thin diem.

Ging Ty c6 quyen khAu trir cac khoan tam img (cOng lAi) truac khi chi tra bAt quyen lgi bao him nao theo Hop Deng nay.

suAt cho cac khoan tam img, mirc tam Ong tei thieu va mire thanh toan toi thieu sê theo quy dinh dugc dang tai tren website caa Cling Ty.

DIEU 17: RUT GIA TM TAI ICHOAN HOP HONG

Trong thiri gian Hap Deng con hieu lgc va sau thei gian can nhac neu tai Dieu 13, Ben Mua Bao Hiem c6 the yeu eau rUt Gia Tri Tai Khoan Hop Deng va chili Phi Rat Gia Tri Tai Khoan flgp Deng theo quy dinh tai Dieu 20 neu dap (mmg cac dieu kien sau:

S6 tien yeu cAu cUa rai len rat khong vunrt qua teng cUa (i) gia tri Tai Khan Bong Them va (ii) tam muai phin tram (80%) gia tri Tai Khan Co Ban, sau khi air di Phi Rat Gia Tri Tai Khoan va Ng (neu co); va

Se tien tói thieu cUa mil lAn rat va se du con lai gong TM Khoan Co Ban sau khi rat khOng thAp hem mirc guy dinh cUa Cong Ty.

Viec rUt Gia Tri,Tai Khoan Hgp Deng se dugc tru tien thirc hien tir Tai Kboan Bong Them. Neu so lien yeu at rat \runt qua gia tri Tai Khoan Bong Them, phAn vugt qua

tip Arc duce rat tir Tai 1Choan Co Ban.

so Tien Bao Hiem cUa Hop Deng se bi dieu chinh giam neu se du con lai trong Tai Khoan Co Ban sau khi rat thAp han Se Tien Bao Hiem. Se Tien Bao Hiem sau khi dieu chinh kh6ng thAp han Se Tien Bao Hiem Mi thieu do Ceng Ty quy dinh.

DIEU 18: clam Der HOP HONG TRH& THta HAN

Trong th&i gian Hap Deng can hieu Luc, Ben Mua Bao Hiem co the you cAu chArn dirt Hop Deng fru& thai han bang cach gin you cau bail van ban cho Cang Ty. Ngay cham dirt Hgp Deng la ngay Con Ty nhan dirge yeu cau bang van ban day da va h9p le tir Ben Mua Bao Hiem.

!Chi cham dirt Hap Deng Mr& th6i han, neu Hop Deng dA co Gia Tri Tien Mat Thtre TM, Ben Mua Bao Hiem se nhAn dirge Gid Tri Tien Mat That Tra dirge xac dinh tai ngay chain dirt Hgp Deng. Neu Hgp Deng chua co Gia Tri Tien Mat Thgc Tra, Ben Mua Bao Hiem se kliong nhan dirge bAt ky khan tien nao.

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CHUCING V: PHI BAO HIEM VA CAC KHOAN PHI LIEN QUAN DEN HcIP DONG BAO HIEM

DIEU 19: PHI BAO HIEM

19.1 Phi Blo Him Co Ban

Phi Bao hem Ca Ban eUa Hgp DOng dirge Ben Mua Bao Hiem clang mOt lAn vao thgi diem yeu cAu bao hiem.

Phi Bao 1-Hem Ca Ban dang vao, sau khi S Phi Ban [Mu, se dirge phan 138 vao Tai Khoan Ca Ban.

19.2 Phi Bao Him Deng Them

Trong thai gian Hgp D6ng có hieu lgc, ngoai Phi Bao Hiem Ca Ban, Ben Mua Bao Hiem có the du tir them bang each eking Phi Bao Hiem Bong Them. Phi Bao Hiem Deng Them thing vao, sau khi S Phi Ban [Mu, se dirge phan 66 vao Tai Khoan Dang Them.

Quy dinh ye Phi Bao Hiem 'ling Them tOi thieu va fel da se dirge Cong Ty thong bao tren website caa C6ng Ty hoac thOng bao cho Ben Mua Bao Hiem bang van ban, tin nhan, thy din tfr hoc the hinh that van ban khac.

19.3 Gia 'long phi halo hiem va mAt hio lye Hqp Bong

Thai gian gia han &long phi bao hiem la 60 (sau mirai) ngay dirge bat dau ke tIr ngay Gia Tri Tai Khoan Hap DOng sau khi trir Ng (neu c6) !thong âü de thanh toan Khoan Khali Tit Hang Than&

Trong thin gian gia han 'long phi bao hiem, Hap Dling van c6 hieu

Hgp Deng mat hieu lye neu sau Thai gian gia han (long phi bao hiem neu tren ma Gia Tri Tai Khoan Hgp DOng S Ng (neu c6) kh8ng dü de thanh toan Khoan Khan Tr& Hang Thang.

Trong the(' gian Hop D6ng mat hien lye, 'cluing c6 bat 14 1Choan Khau Tra Hang Thang hay khoan phi nao phat sinh ding nhir lchong co bat kST quyen lgi bao hiem nao dugc chi tra.

Luu Dau 18.3 nay khongdp dyng trong mean hgp 119p Bang dirge clam bag day tri theo quy (link Igi Dieu 6.

DIE!] 20: CAC KHOAN PHI LIEN QUAN DEN HcfP BONG

Cac loai phi dirge neu tai Dieu nay deu titan tha quy dinh cüa san pham da dirge BO Tai Chinh phe chuAn.

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Phi Ban Diu

La phi duct khAu tr* tir Phi Bao Him Co Bitn va Phi Bio khi phan b8 vao tai khoan h9p dOng. Mac phi áp dung nhu sau:

Hiem Thing Them true°

Nam H9p DOnxg 1 2+ % Phi Bao Hiem Co Ban 24% 0% % Phi Bio Him Deng Them 5% 5%

Phi Quin 14 Hqp Deng se dirge khAu trü hang thing vao Ngay K9 Niem Hang Thing dr gia tri Tai Khoan Co Ban. Min Phi Quan 14 Hop Deng vtrcrt qui gii tri Tat Khoan Co Ban se dirge tiep tic {chit' trir dr gid tri Tai Ithoin Ding Them.

Phi Trong ndm 2018, Phi Quin 14 Hqp Deng IA 31.000 (ba mucri mit ngan) deng/Hqp Quin DOng/thang va se tv d6ng tang 2.000 (hai ngan) deng/H9? Deng/thing mOi nam

L9 &rang. lich sau do. Tuy nhien, trong m9i tnreng hqp, rare dieu chinh khong vircrt qui Ho mit tot da 60.000 (sau muai ngan) dOng/Hqp D6ng/thing. Ding

COng Ty c6 quyen thay dOi Phi Quin 14 Hqp DOng hoc mire tang Phi Quan 14 Hqp Wong sau khi c6 str chip thuin cia BO Tai Chinh. Neu co str thay dOi, COng Ty se girl thong bio cho Ben Mua Bao Hiem ba (03) thing tnr6c khi áp clung mire Phi Quan 14 Hqp Deng m6i.

Phi Bio Him Rai Ro duqc khau nit hang thing vao Ngay KS, Niem Hang Thing tir

Phi gia tri Tai Khan Co Bin. Phin Phi Bao Hiem Rii Ro vuqt qui gii tri Tat Khoan Co

Bio .z them

Bin se dutyc tiep tvc khAu trir tir gia tri Tai Khoan Bong Them.

Rili Phi Bao them Rii Ro duct talc (firth theo tuOi, giai tinh, tinh trang sac Ichee va nghe

Ro nghiep cia Nguari Dirge Bao Him. Phi Bao Him Rii Ro c6 the thay dOi sau khi dirge BO Tai Chinh chip thuin. Trong trueng hcrp nay, C8ng Ty se girt thong bio bing van bin cho Ben Mua Bao Hiem 03 (ba) thing truec khi dp dung.

Phi Hely BO Hqp Ding Twat Han dirge tinh theo t9 le Olin tram (%) tren Phi Bio Phi Hiem Co Ban cho Tai Khoan Co Ban, va tren Gid Tri Tat Khoin Bong Them cho Tai Huy Khoan Ding Them. Mit phi áp dung nhu sau: BO Ho Nam Hop Ding 1 2 3 4 5 6 7+ Deng Trutt

Tai Khoan Ca Bin (% Phi BAo them Co Bin)

8 % 6% 4% 2% 1% 1% 0%

11” Tai IChoin D6ng Them (% GTTK Bong Them)

5

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Phi Rat Gia Tri Tai Khoan Hp Deng dugc tinh theo tg le phAn tram (%) tren stS tien rut. Mac phi áp dvng nhu sau:

Phi Rut Nam Hp Deng 1 2 3 4 5 6 7+ Gia Tri

'cm IChoan Ca Ban (% S8 tien rat)

8% 6% 4% 2% 1% 1% 0%

Tii Tai IChoan Deng Them 50/ Khoan (% SO tien rat)

Thyp Deng

Phi Rat Gia Tri TM Khoan Hop Deng se dugc khau trir vac sO tien yeti cau rat truec khi Clang Ty chi tra so tien rat nay.

Phi Quan Lg Quy la 1,5% (met phay nam phAn tram) dm Gia Trl TM Khoan Hp Deng. Phi Quail 1.4 Quy duce quy dinh cv the tai Trang 149p Deng hoc Th6ng bao

Phi dm C8ng Ty (neu c6). Phi Quan 14 Quy se duqc khau WU tnrec khi Cong Ty ding be, Quan lai suat theo quy dinh tai Dieu 8.1.

Lg Quy Phi Quan 14 Quy có the dirge thay dei neu dirge sr chap thudn dm 130 Tai Chinh.

COng Ty se gun thong bao cho Ben Mua Bao Hiem ba (03) than truec khi áp ding mire Phi Quan Lg Quy mei.

CHDONG VI: QUY DINH CHUNG

DIEU 21: NGHiA VV CUNG CAP VA BA' 0 MAT THONG TIN CEA CONG TY

21.1 'Chi giao ket Hqp Deng, COng Ty c6 trach nhiem cung cap day du thong tin lien quan den Hqp Deng, giai thich day da cac dieu kien, dieu Ichoan bao hiem cho Ben Mua Bao Hiem. Trong trueng hgp Ceng Ty cung cap th8ng tin sal sv that nham giao ket Hqp Deng thl Ben Mua Bao Hiem c6 quyen don phucmg ch'Am dirt H9p Deng, yeu eau COng Ty hoan tra toan be se phi dä eking sau khi tris di cac khoan Rat Gia Tri Tai Khoan Hqp Wing va Nq (neu c6) va/hodc,yeu cAu C6ng Ty bei thtafing cac thiet hai ma Ben Mua Bao Hiem phai ganh chlu (neu c6) phat sinh lien quan den viec Cling Ty cung cap thong tin sal sr that.

21.2 Cong Ty kh8ng dugc chuyen giao thong tin ca nhan do Ben Moo Bac, Hiem/Ngtrei Duqc Bao Hiem cung cap cho bat kg ben the ba nao khac, trCs cfic truong hgp sau day:

a) Thu thdp, se dung, chuyen giao theo yeu cAu dm cci quan nha nuec có than' cjuyen hoe cho mac dich tham dinh, tinh toan phi bao hiem, phat hanh hp dOng bao hiem, thu phi bao hiem, tai bac hiem, trich lp dv phong nghiep vv, giai quyet chi tra quyen lgi bao hiem, nghien eau thiet ke san phAm, pheng chOng trvc Igi bao hiem, nghien ciru, danh

'•

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giá tinh hinh tai chinh, kha nang thanh todn, müc dO day äü von, yeu cAu vett.

b) Cac trueng hy? !chic duqc Ben Mua Bao Hiem/Ngtreri Huge Bdo Hiem deng 9 bang van ban, Niel dieu kin:

Ben Mua Bao Hietn/Ngueri Duqc Bao Hiem phai duqc thong bao v mtic dich chuyen giao thong tin va duce quyen Itra chen giCra deng 9 hoc Ichong deng voi viec chuyen giao do; va

Vic Ben Mua Bao Hiern/Nguei Huge Bao Hiem tit chOi cho pit chuyen giao thong tin cho ben thir ba ngoai diem (a) neu ten lchong duqc sir d9ng lam 19 do de tir ch8i giao ket Hyp Deng.

DIEU 22: NGHTA VI) ICE KHAI TRUNG THVC CIJA BEN MUA BAo mtm NIA NGUOI DUOC BAO MEM

22.1 Ben Mua Bac) Hiem va/hoac Ngtred Duet Bao Hiem c6 nghla VI.1,phai ke khai trung dive va cung cAp day du cdc thong tin theo you au cUa COng Ty de Cong Ty danh gia kha nAng chap nhan bao hiem hoc chi tra quyen lqi bao hiem theo Heip Deng hoc cac san pham bao hiem be trg (neu c6). Viec Cong Ty có hoc khong c6 you cau kiem tra y te sê Ichong duqc sir ding lam 19 do de mien trir nghla vti Ice khai trung thtrc cüa Ben Mua Bao Hiem va/hoac Nguei Duqc Baia Hiem.

22.2 C6ng Ty se don phucmg chain dirt fiqp Deng trong tnreng hep Ben Mua Bao Hiem va/hoac Nguoi Duqc Bac: Hiem c6 9 vi pham nglin v9 cung cap thong tin theo Dieu 22.1 neu ten ma neu biet duqc nhAng thong tin nay Cong Ty dA }dieing chap nhan bao hiem. Trong throng h9p nay C8ng Ty 0 Icheing giai quyet bat quyen lqi bao hiem nao va se hoan tra Giá Tri Tien Mat nut Ira sau !chi da khau trir tic khoan quyen 19i bao hiem CIA duce thanh todn. C8ng Ty se Idling you eau Ben Mua Bao Hiem hoan tra bat k9 Ichoan thanh than nao neu Gid Tri Tien Mat Dive TM nhe hcm cac khoan khau trer neu tren. Tai thai diem C6ng Ty phat hien hanh vi gian dei (neu c6), bat 14 quyen lqi bao hiem nao dA duet chap thuan nhung chin duce chi tra thi the quyen lqi bao hiem de deu ngay lap tire bi hay be va Gong Ty se kh8ng c6 nghia vy tiep we chi tra.

22.3 Trong trutng hqp Ben Mua Bao Hiem va/hoac Ngtreri Dirge Bao Hiem vi pharn nglila ke khai thong tin tai Dieu 22.1 nhung viec vi pham nay thong lam anh hueng ten

quyet dinh chap thuan bao hiem theo cry dinh cüa Cong Ty tai timg theri diem, Cong Ty van s chi tra quyen lqi bao hiem neu c6 str kien bao hiem xay ra theo quy dinh cüa H9p Ming. Trong tnrerng hqp nay, Clang Ty c6 the thu them ichnan phi bao hiem hoc dieu chinh SO Tien Bao Hiem giam Wang img vei mirc rid ro (neu c6) theo quy dinh ye tham dinh bao hiem.

DIEU 23: TRUtiNG HOP icE KHAI SAI TUOI VAJHOAC GlUt TINH

23.1 Trong trueng h9p ke khai sai tuoi vaThoac giei tinh dui Ngtrei Duce Bac; Hiem, C6ng Ty có the tinh toan va dieu chinh lai khoan Phi Ban Hiem Rid Ro, Phi Bao Hiem Co Ban vaihoac Se Tien Bao Hiem phai thu theo Tu.& dung va/hoac gidi tinh dung tinh tit Ngay Hieu Luc Hqp Deng den ngay phat hien ra viec ke khai sai. Hqp Deng, gia tri Tai

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Khoan Ca Ban va cac thong tin elm. Nguai Duqc Bao Hiem trong Hcrp Deng s duqc dieu chinh tucrng Ung va phir hqp.

23.2 Neu Turii thkrc cita Ngtrai Dtrot Bao HiOm khong nam trong nhom tuoi c6 the duqc bao him theo quy dinh eta 1-1qp Deng, C8ng Ty co quyen My b6 Him Deng va hoan tra lai cho Ben Mua Bao Hiem Gia Tri Tai Khoanylop Deng hoc se, phi bao hiem da &mg, thy theo gia tri nao 16n hurl tinh tai then diem Gang Ty c6 th8ng bao ye vrec ke khai kitting chinh xac do, khong c6 lAi, tit di cac quyen lqi bao hiem dä thanh toan, the khoan rat tir Gia Trk Tai Khoan Hqp Deng, cac khoan Nq va cac chi phi thkrc te phat sinh trong viOc danh gia rUi ro bao hiem elm Nguai Duqc Bao Hiem.

DIEU 24: MIEN TRUY XET

24.1 Ngoai trir truang hyp ke khai sai ye Thai ya/hoac giai tinh nhu quy dinh tai Dieu 23 hoac c6 9 cung cap th6ng tin khong trung that hoac kh8ng day do nhu duce quy dinh tai Dieu 22, trong khi Hop Deng An can hieu lye, viOc Ben Mua Bao Hiem vWhoac Nguai Duce Bao Hiem ke khai 'thong chinh xac hoacb6 sot cac thong tin trong HO Su Yeu Cau Bao Hiem hoac cac Mau dun, ban ke khai lien quan den viec thAm dinh va chap thuan bao hiOm cita Gang Ty se thong lam cho flgp Deng IA hay 136 neu Hop Deng cid c6 hieu lye it nhat hai muoi ben (24) thang ke tir Ngay CAp Hurp Deng.

24.2 Dieu lchoan nay se kitting áp dyng trong twang hgrp Ben Mua Bao Hitm va/hoac Nguai Bugle Bao Hiem eó 9 kh8ng ke khai hoac Wiring cung cap day dia va trung thkrc nhi-mg thong tin ma neu Met duqc cac thong tin do, Cong Ty se tam hart hoac tir ehOi bao hiem.

DIEU 25: NGUtfI THIJ IRTONG

25.1 Nguai Thy Huang duqc Ben Mua Bao Hiem chi dinh trong dun you cau bao him hoac duqc thay dOi va chap thuan bai tong Ty trong (cac) Xac Nhan Thay Dei Hop Deng. Nguai Thy Huang &rot kiting cac quyen lqi cim Hop Erring neu va khi duqc Cong Ty citing 9 chi tra cac ckuyen lqi bao hiem trong truang hqp Nguai Duce Bao Hiem,tir vong. TAt ca cac quyen lqi khac dm Hop Deng trong then gian Nguai Duct Bao Hiem cOn siting se' duce thanh toan cho Ben Mua Bao Hiem hoac theo them thuan khac giRa C8ng Ty va Ben Mua Bao Hiem.

25.2 Neu thong co Nguai Thy Huang nao duqc chi dinh hoc tat ca Nguai Thy Huang du da tir von4/ chAm dirt hog Ong citing theri hoac trate khi Ngtrai Dirge Bao Hiem tir vong, uyen lqi bao hiem tir vong se duqc chi tra cho Ben Mua Bao Hiem hoc ngtrai thira ke hqp phap dm Ben Mua Bao Hitm.

25.3 Neu c6 tir hai Ngtrai Thy Huang fret len thi:

quyen lqi bao hiem tIr vong se dirge chia Mu cho tat ca moi Ngtrai Thy Huang, trir khi co quy dinh khac trong Hçcp Deng hoac trong van ban chi dinh Ngtrai Thy Huang dang co hieu lye áp dyng; hoc

neu c6 bAt 1(9 Nguai Thy Huang nao da tir vong/chAm dirt hoat &Ong ding uteri hoac

erst

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truerc khi Ngueri Dave Bao Hiem ti vong, phan guyen lcxi bao hitm cüa Ngued Thy Huimg de se throe chia deu cho nhang Ngtred Thy Htrerng con loi, trir khi c6 guy dinh khdc di trong H9p Deng hoc trong van ban chi dinh Ngtr61 Thy Hu?mg dang c6 hieu Itrc ap dyng.

25.4 Bat Ice cra c6 Se guy dinh khk tai Hop Deng nay va trir truerng hop Cong Ty chap thuon khac bang van ban, trong tnrerng hop Ben Mua Bao Hiem la tó chat:

Quyen 191 bao him tir vong se dirge chi tra cho Ngueri Thy Huang. Cac quyen Igi lien quan den rut Gia Tri Tai Khoan Hop Del, tam frng tir Gia Tri TM Khoan Hop Deng, chain dirt Hop Deng truk theri han va guyen loi ddo han Hop Wong se &roc chi tra cho Ben Mua Sao Hiem. Tat ca cac guytn Igi bao hiem con lai khac dirge guy dinh tai Hop Deng nay se throe chi tra cho Ngueri Dirge Bao Mem;

Neu kitting c6 Nguai Thy Hu6n4 So dirge chi dinh h9p l, guyen 191 bao him tir vong se dirge chi tra cho nguiri thira ke cüa Ngueri Dirge Bat) Hiem; va

Trong mgi truemg hop, viec thay doi NguOi Thy Huang phai dirge Ngtred Dirge Bao Hiem deng

25.5 Cong Ty se khong chiu trach nhiem ve tinh hop phap cling nhtr tranh chap (neu c6) cat' Ben Mua Bao Hiem hoc nhang ngueti lien quan den viec chi dinh thay di Ngueti Thy Huang.

DIEU 26: CHAM HUT HOP HONG

Hop Deng se cham dirt ngay khi c6 bAt k$, sy kin nao dueri day xay ra:

Ngueri Dusk Bao Hiem ifs vong; hoc

C6ng Ty chap nhan thanh than Quyen Igi Thuang Tat Toan BO VA Vinh Vin; hoc

Hop Deng mAt hieu lyc theo guy dinh tai Dieu 19.3.(b); hoc

Ben Mua Bao Hiem yeu dii chant dirt Hop Deng trutc thin hen; hoe

Nguoi Duce Bao Hiem lien quan kh6ng can dap irng the dieu kien de tr6 thanh Ngtreri Duct Bao Hiem nhu dirge guy dinh ciia Hop Deng; hoc

(1) Hop Deng ddo han.

DIEU 27: Gal QUYET MAU THUAN VA TRAM! CHAP

27.1 Hop Deng dirge dieu chinh va giAi thich theo phap luat ctla nuec COng Ilea XA FUN Chu Nglifa Viet Nam.

27.2 Neu co bet Icy tranh chAp nao killing the giai quyet thong qua thong ltrong thl tranh chap do se duce dua ra tOa in c6 them quyen nai Ben Mua Bao Hiem cts trit hop phap hoc nai tang Ty c6 trn ser chinh de Olen xir.

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B. PHU LUC 1- PHAN DINH NGHIA

(Dinh hem Scin pluim bac, him m Lien Kit Chung Thai Hgn 20 Nam — Deng phi mOt Mn — KA hogch tilt la dugc phe duyet theo cling vein a 8443/B7C-QLBH nggy 16/07/2018 Set B6 Teti chinh)

1. COng Ty: la COng Ty TNHH Manulife (Viet Nam), clang ty bao hiem nhan thy dugc thanh lap va hoat Ong theo phap lug Viet Nam.

2. Ho Deng Bito Hiem ("Ho Deng"): la tit& thuan bang van ban giaa Ben Mua Bao Hiem va Cong Ty, trong de ghi nhan quyen va nghla vy cüa cac ben trong qua trinh thyc hien hgp deng bap hiem. Uçcp Dong bao gam cac al lieu sau:

HO Sa You Cau Bao Hiem; TrangHop Deng; Quy tac, dieu Ichoan san pham bao hiem chinh, san pham bao hiem be try (neu co) dã dugc BO Ili ChInh phe chuan; (Ck) Xác Nhan Thay Dei Hop Deng (nu ce?; (Cac) van ban silt dOi, b8 sung Ho Deng (neu c6).

3. HO So' Yeu CAu Bac, Hiem: IA van ban yeu cAu bap hiem theo mu cUa COng Ty, trot., d6 ghi the nOi dung de nghi tham gia bao hiem va thong tin do ngued de nghi tham gia bao hiem cung cap de ,Cong Ty danh gia rid ro, IS can cir chap nhan bao hiem hoc tir chei bac) hiem. HO So Yeu Cau Bao Hiem do Ben Mua Bao Hiem, Ngued Duqc Bao Hiem va ck ben lien quan den vik yeu cau Igo hiem dm Ben Mua Bito Hiem ke Ichai, ky ten vA cung cap cho C8ng Ty.

4. Trang Ho Deng (Giay Chtimg Nhan Bao Hiem): la van ban do Cling Ty cap cho Ben Mua Bao Hiem, trong do the hien met se thong tin ca ban dm Ho Deng va la mOt phan khOng tach red dm Hap Deng.

5. Xitc Nhan Thay Hai Hqp,Bong: IA van ban do Cling Ty phat hanh nham myc dich ?tic nhan cac thay dei co lien quan den Hqp Deng.

6. Ben Mua Bao Hiem: IA to chirc dugc thAnh lp va hog Ong hgp phap tai Viet Nam hoc ca nhan tü dU mu6i tam (18) Tuei fret len, dang sinh sting ti Viet Nam va co nang lye With vi clan sy day di:: IA ngtrai ke khai, k ten tren don yeu cau bac) hiem, thyc hien cac quyen va nglfia vy quy dinh trong Hçcp Deng va dugc ghi nhan IA Ben Mua Bao Hiem trong Trang Hyp pang, hok Xac Nhan Thay DOi flo Deng (neu co).

7. Ngtrei Dirge Bâo Hiem: IA ca than ma tinh mang va/hoac the kit& dm cá nhan d6 IA del tugng dugc Cling Ty chap nhk bao hiem, NIA duce ghi nhart trong Trang Hap Deng la Ngtred Duo Bao Hiem Prong (mg vai san pham bao hiem chinh.

Vac, thed diem you cat' bao hiem, twang hap doe quy dinh khk di tai cac san pham bao hiem bo trg cy the, Ngued Duo Bao Hiem phai:

(i) can sting va co mei quan h dugc bao hiem vai Ben Mua Bao Hiem,

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dang hien din tai Viet Nam,

trong dO TuOi tit met (01) thang Tail den bay muoi (70) TuOi.

Nguiri Thy Huang: IA (cac) cá nhan hoac tO chi= duce Ben Mua Bao Him chi dinh d nhan quyen lgi bao,hiem. Ngued Thu Huang dutc ghi ten trong HO So Yeu CAu Bao Him hoac Xác Nha'n Thay Doi Hcp Deng (neu c6).

se Tien Bao Him: IA so tien dugc C8ng Ty chap nhan bao him theo qui dirt tai Hgp Thing va duqc ghi tren Trang H9p Deng hoac Xac Nhan Thay Doi Hqp Deng (neu c6).

Tan: là tuei cüa Nguti Dugc Bao Wein tinh theo ngay sinh nhat vita qua tnr6c (ii) Ngay Hieu Luc Hip Deng hoac (ii) Ngay KS, Niem Hgp Deng trong cac Nam figp Deng tip theo.

Ngay

11.1. Ngity Cap Hop Bang: la ngay Hgp Deng duqc C8ng Ty chap thuan va phat hanh theo Ho So Yeu Cau Bao Him hgp l dm Ben Mua Bao Hiem. Ngay Cap Thin Deng clugc ghi nhan trong Trang H9p Deng hoac Xac Nhan Thay DOi Hqp Bong (neu c6).

11.2. NgAy "lieu Lye Hop Deng: IA ngay H9p Deng bat Mu c6 hieu lut va &me ghi nhan tai Trang Hgp D6'ng hoac Xac Nhan Thay DOi I-19p Deng (nu co).

11.3. Ngity Niem 1193 Deng: la ngay k9 niem tuang ang hang 'tam cUa Ngay Hieu Lute Hap Deng trong suot Thai Han Hop Deng. Neu nam không ce ngay nay thi rigity cued cling dm thang do se IA Ngay KS, Niem Hop Deng,

11.4. Nfity 1C9 Niem Hang Thing: IA ngay tuong ang hang thang caa Ngay Hieu Luc Hqp Bong. TnrOng hqp thang lchong c6 ngay Wong frng thi ngay lien tnr6c dO se dirge 4p dung.

11.5. Nam Hop Deng: IA khoang then gian 01(met) nam duang lich keS Ngay Hieu Luc Hgp Deng hoac Ngay KS, Niem Hgp Deng.

11.6. Ngay Bao Han Hop Deng: IA ngity cuei cling dm Thai Han Hop Deng va dugc ghi nhan ti Trang Hgp Deng neu Hop Deng con hieu luc den tiled diem dn.

Thai Han Hop Deng: IA hai muai (20) !lam tinh tir Ngay lieu Luc Hap Deng.

Phi Bari Them Co Ban: la kholtn phi deng cho san phem chinh va dugc ghi trong Trang Hyp Deng hoac Xac Nhan Thay Del Hyp Elting (neu cO).

Phi Hai) Him BO TIT.: la khoan phi (long cho (cac) san pham bao hiem 116 trg \fa dugc ghi trong Trang Hgp Deng hoac Xac Nhan Thay Dei H9p Deng (neu c6).

Phi Rao Him Bong Them: la khoan ?hi do Ben Mua Bao Hiem deng them ngoai Phi Bao Hiem Ca Ban theo guy dinh ciia Hop Bong. Trong twang hop khach hang ce chi dinh ye yiec &rig Phi Bao Hiem 136 Trg, Phi Bac, Hiem Bong Them se la lchoan phi do Ben Mua Bao Hiem deng them ngoai Phi Bao Hiem Co Ban va Phi Bao Hiem BO Trq.

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Phi Bito Hiem Cr Ban Duve Phan BO: la phan con lai dm Phi Bac Hiem Ca Ban sau khi khan vit. Phi Ban Diu.

Phi Bao Hiem Bong Them Ehrqc Phan BO: la phan con Jai dm Phi Bao Hiem Bong Them sau khi khAu trir Phi Ban [Mu.

Phi Ban DAu: la khoan phi dugc khAu trir tit Phi Bao Hiem Ca Ban vWhoAc Phi Bao Hitm Ddng Them truck khi Phi Bao Hiem Ca Ban va./hoAc Phi Bao Hiem Thing Them dugc phan be vao tai khoan Hgp Deng.

Phi Bao Him Rtli Ro: la khan phi dugc khAu tit hang thang a dam bao chi tra quyen Igi bao hiem theo guy clinh cüa san pham bao him chinh.

Phi Quail LS, Hqp Deng: la lchoan phi dugc khan trir hang, thang de Cong Ty thgc hien cac ding viec cAn thiet lien quan den viec quan 19, duy lig Hgp Deng va cung cap cac thong tin lien quan den Hgp Deng cho Ben Mua Bao Hiem.

Phi Quart L Qug: la Ichoan phi chi tra cho hoot &Ong quan 19 va dAu tu cda Quy Lien Ket Chung.

Khan Khi Trir Hang Thing: la lchoan tien dugc Cong Ty khAu tit hang thang, bao gem Phi Bao Hiem RUi Ro va Phi Quan L9 Help Deng.

Phi Huy BO How Deng Trutt Hun: la khoan phi ma Cong Ty se thu khi Ho Deng bi cham dirt tar& thed han.

Phi ROt Gia TriTIi Khofin Hop Deng: la Ichoan phi ma Ben Mua Bao Hiem phai chju !chi yeu CAn rut met phan tit Gia TrI Tai Khoan Hgp Deng.

Nq: la bat 1(9 khoan phi, phi bao hiem hoc khoan tien nao ma Ben Mua Bac, Hiem can phai deng de duy ti-1 hieu lye 1-19p Deng hoAc phai thanh than cho Cong Ty theo cac dieu khoan va dieu kin eüa H9p Deng, bao gem ca cac Khoan Khan Tit Hang Thang den han, cac khoan tam Ong tir Gia Tri Tai Khoan H9p Deng, va cac khoan khdc Ong yeti lai tich lUy phat sinh ti-en cac khoan tien nay. Tat ca the khoan tien nay se dugc coi la con ng C6ng Ty va se dugc Cling Ty khAu trir tnrec khi thanh tan bAt Ict quyen lgi bao hiem nao theo Hgp Deng nay.

TM lawan Cos Ban: la tai khoan dugc hinh thanh tir Phi Bao Hiem Ca Ban. Gia Tai Khoan Ca Ban dugc xac dinh theo quy dinh tai Dieu 11.2.(a) cUa Hgp Deng.

TM Khoan Bong Them: la tai khoan dirge hinh thanh tir Phi Bao Hiem Bong Them. Gia tri Tai Khoan Thing Them dugc xac dinh theo quy dInh tai Dieu 11.2.(b) cüa Hgp Deng.

Gia Tri TM Khoin Hqp Deng: la tang cim gia tri Tai Khoan Ca Ban va gia tri Tii Khoan Ddng Them.

Gia Trj HoAn Ltd: la gid tri thu dugc sau khi lay Gia TrI Tai 1Choan Help Deng His di Phi Ht BO Hgp Deng Trude Han. Gia Tr' Hoan Lai dugc tinh toim phit hyp veri ca set ky thuat cim san phAm da dtrgc Be Tai Chinh phe duyet.

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30. Gia Tri Tien Mat Thvc Tra: IA gia tri thu dugc sau lchi lay Gia Tri Hoin Lai tit di cac khoan Na (neu c6).

31. Thwang Tat ToAn BO VA Vinh Van:

Thucmg Tat Toan BO VA Vinh Vigil la trogng hgp:

a) Ngugi ducre bao hiem bi mat, liet hoan tan va khong the phgc Mi dugc chat !tang cga:

Hai tay, hoac; Hai chan, hoac; MOt tay va met chan, hoac; Hai mat, hoac; Met tay va met mat, hoac; Met chan va met mat.

Trong truang hgp nay, mat hoan toin va Ichong the phgc hei dugc chgc Wang cga (i) tay dugc tinh tir c6 tay trg len, (ii) chan dugc tinh tir mat ca chan trer len, (iv) mat dugc hieu la mat hail mat hoac mg hoan man.

Viec chi:mg nhan Nguth dugc bao hiem bi mat hoAn toan be phan ca the (tay, than hoac mat) c6 the dugc thgc hien ngay sau khi sr kien bao him xay ra.

Vic chgng nhan bi 1it hoan toan va khong the phyc hôi chgc nang cga cac b6 phan ca the phai dugc thgc hien khong sum hcm 180 ngly ketfr ngay xay ra sg kin bao hiem hoac tit ngay benh

dtrgc char' doan xac dinh.

Hoac:

b) Ngugi dtrgc bac, hiem bi thuong tat tir 81% theo xac nhan cga ca quan y te/ HOi ding giam dinh Y Ichoa cap tinh tit len.

32. Tai Nan: nghin la met str kien hoac met chuOi str kin lien tuc, khach quan xity ra do tac deng cga met Itrc, met vat bat ngg di ben ngoai len ca the cim Ngugi Dugc Bao Hiem va gay ra thuang tat hoac tir vong cho Ngtrgi Dugc Bac) Hiem. Su kin hoax churii sg kien neu tren phai là nguyen than trcrc Wei), duy nhat va killing lien quan den bat 14 nguyen nhan nao khac gay ra thucrng tat hoac S vong cho Ngtrgi Dugc Bao hem trong wing chin mirth (90) ngay ke tir ngay xay ra sg kien hoac chtfei sr kin 46.

33. Pim:mg Tin Giao Thong Cling COng: la cac phucmg tin van chuyen theo lich trinh thtrang xuyen, theo nhi-mg tuyen duemg da dtrgc xac lap va danh cho cac hanh khach c6 mua ye, nhu: xe 61154, 8 to chg khach tuyen c6 dinh, tau h6a, tau thgy chg khach, pha chg khach, tau din va dugc van hanh bed cac don vi dugc cap giay phep kinh doanh van tai hanh khach hgp phap.

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Phucmg Tien Giao Thong Citing Cang khong bao Om taxi, may bay tu nhan the loai, xe thue, hoc bat kj, phuang tien thua nao sir dung cho muc dich di lai ca nhan.

34. Thang May: nglila IA thang may duce sir dung cho mçic dich van chuyen hanh khach, Icheng bao gOm thang may boat tang trong ham me hay tai the Gong trinh xay clung hoc nhA rieng.

35. Ma Nhi C8ng bao g8m nha hat, rap chieu phim, twang hqc, trung tam y te, benh vin, san van tang, nhA thi Mu, cac trung tam the thao, va trung tam thuang mai.

36. Tinh Tr3ng Thwong Tat nghia IA bat IcY tinh tang nào duqc Hat ke duai day thy ra Mi voi Nguiri Duce Bao Hiem do Mu qua cUa Tai Nan:

Si vai tay/chan: tay/chan bi mat hoan toan hoc Hat hoan toan va vinh vin. Mat hitt toan va vinh vin del vai tay duce hieu IA tinh trang cut he& toan tir có tay tre ten, hoc mat hoin toin vA Viral vin del vai chan duqc hieu la tinh tang cut }loan toan tir mat ca chan trer Ian;

Dei vial mat hoc tai: mat hoAn toAn vâ vinh vin chirc nang cüa thi lye hoc thinh lye;

Si yei ngan chan hoc ngen tay: bi cut hoAn toan tAt ca the Mt ciia neon;

Si voi tieng nen: mAt hoAn toAn va vinh vin tieng noi, clan Mn !thong n6i duce nen phAi giao tip bang ch& vitt hoc hinh.

37. BOnh Co San: nglila IA tinh trang banh tat hoc Mn thucrng cüa Ngutri Dirge Bao Hiem da duge bac si kiem tra, chart doan hay dieu tri truarc NO), Hiau Luc Hcip piing. HO so y te, tinh tang tien sir banh duce luu gia tai Mc ca sar y te duqc thinh lap hap phap hoc cac dieing tin do Nguai Duqc BA° Hiem tkr ke khai clugc xem la bang chirng day dü vA hop phap ye Banh Co San.

5/5

(Duce phe ehuen theo -QLBH ngay 16 thang 07 nam 2018 cita BO TM hinh)

1.1 Bieu phi chuan

(Dan vi: phcin ngan)

, Tuoi

Ke Hoch Tit Kim , . Tan

Ke Hoach Tiet Kiem Nam Na Nam Na

o 74,0 70,0 36 165,0 139,2 1 74,9 70,9 37 174,5 145,4 2 75,8 71,8 38 184,0 151,6 3 76,7 72,7 39 193,5 157,8 4 77,6 73,6 40 203,0 164,0 5 78,5 74,5 41 226,2 174,2 6 78,5 75,2 42 249,4 184,4 7 78,5 75,9 43 272,6 194,6 8 78,5 76,6 44 295,8 204,8 9 78,5 77,3 45 319,0 215,0

10 78,5 78,0 46 339,4 233,9 11 79,2 79,0 47 359,8 252,8 12 79,9 80,0 48 380,2 271,7 13 80,6 81,0 49 400,6 290,6 14 81,3 82,0 50 421,0 309,5 15 82,0 83,0 51 447,5 324,8 16 83,4 84,3 52 474,0 340,1 17 84,8 85,6 53 500,5 355,4 18 86,2 86,9 54 527,0 370,7 19 87,6 88,2 55 553,5 386,0 20 89,0 89,5 56 580,6 414,1 21 91,8 91,4 57 607,7 442,2 22 94,6 93,3 58 634,8 470,3 23 97,4 95,2 59 661,9 498,4 24 100,2 97,1 60 689,0 526,5 25 103,0 99,0 61 710,6 557,0 26 107,3 101,7 62 732,2 587,5 27 111,6 104,4 63 764,7 618,0 28 115,9 107,1 64 797,1 648,5 29 120,2 109,8 65 797,1 679,0 30 124,5 112,5 66 797,1 703,2 31 130,7 116,6 67 797,1 727,4 32 136,9 120,7 68 797,1 751,6 33 143,1 124,8 69 797,1 775,8 34 149,3 128,9 70 797,1 775,8 35 155,5 133,0

1,2 Bieu phi trty (EM Loading)

Luu nham mac dich trinh bay ngen gon Bitu phi tin cüa cac san phAm, cac bang sau day chi duce trinh bay tat nmg 5 tan mOt

(Don phdn ngan)

Tuttn PhAn tram tSr LE tit vong b6 sung

Nguoi ductc bao him nam Ngireri &roc bao hiEm nil 25% 50% 75% 100% 25% 50% 75% 100%

0 8,50 17,00 25,50 34,00 7,50 15,00 22,50 30,00 5 9,50 19,00 28,50 38,00 8,50 17,00 25,50 34,00

10 8,50 17,00 25,50 34,00 8,00 16,00 24,00 32,00 15 7,50 15,00 22,50 30,00 8,50 17,00 25,50 34,00 20 7,00 14,00 21,00 28,00 8,00 16,00 24,00 32,00 25 10,00 20,00 30,00 40,00 10,00 20,00 30,00 40,00 30 15,50 31,00 46,50 62,00 13,00 26,00 39,00 52,00 35 22,50 45,00 67,50 90,00 17,50 35,00 52,50 70,00 40 33,00 66,00 99,00 132,00 24,00 48,00 72,00 96,00 45 36,50 73,00 109,50 146,00 39,50 79,00 118,50 158,00 50 45,00 90,00 135,00 180,00 40,00 80,00 120,00 160,00 55 75,00 150,00 225,00 300,00 48,00 96,00 144,00 192,00 60 79,50 159,00 238,50 318,00 72,00 144,00 216,00 288,00 65 103,40 206,80 310,20 413,60 77,50 155,00 232,50 310,00 70 80,90 161,80 242,70 323,60 149,70 299,40 449,10 598,80

"'mai

1,3 Hs?s6 dieu chinh thM han bao hiem dual chuan

Chi tieu rUi ro clued chuan theo sire khoe / nghe nghiep (Per mule loading) có the co thai han bang dai hcm thOi han thing phi.

Dai voi santpham dong phi met Fan, Cong ty di'eu chinh li phi trei bang he s6 chi tieu rUi ro duai chuan nhan menh gia va thu phi mOt ran.

Dan vi: phdn n an)

Thai han

He st chi tieu tin ro duai chuan 1 2 3 4 5 6 7 8 9 10

1 1,30 2,70 4,00 5,30 6,70 8,00 9,30 10,70 12,00 13,30 2 2,60 5,30 7,90 10,50 13,10 15,80 18,40 21,00 23,70 26,30 3 3,90 7,80 11,70 15,50 19,40 23,30 27,20 31,10 35,00 38,80 4 5,10 10,20 15,30 20,40 25,50 30,60 35,70 40,80 45,90 51,00 5 6,30 12,60 18,90 25,20 31,40 37,70 44,00 50,30 56,60 62,90 6 7,40 14,90 22,30 29,80 37,20 44,60 52,10 59,50 67,00 74,40 7 8,60 17,10 25,70 34,30 42,80 51,40 60,00 68,50 77,10 85,70 8 9,70 19,30 29,00 38,70 48,40 58,00 67,70 77,40 87,10 96,70 9 10,80 21,50 32,30 43,00 53,80 64,50 75,30 86,10 96,80 107,60

10 11,80 23,60 35,50 47,30 59,10 70,90 82,70 94,60 106,40 118,20 11 12,90 25,70 38,60 51,40 64,30 77,20 90,00 102,90 115,70 128,60 12 13,90 27,80 41,70 55,60 69,50 83,40 97,20 111,10 125,00 138,90 13 14,90 29,80 44,70 59,70 74,60 89,50 104,40 119,30 134,20 149,10 14 15,90 31,80 47,80 63,70 79,60 95,50 111,50 127,40 143,30 159,20 15 16,90 33,90 50,80 67,70 84,60 101,60 118,50 135,40 152,30 169,30 16 17,90 35,80 53,80 71,70 89,60 107,50 125,40 143,30 161,30 179,20 17 18,90 37,80 56,70 75,60 94,50 113,40 132,30 151,20 170,10 189,00 18 19,90 39,70 59,60 79,50 99,30 119,20 139,10 159,00 178,80 198,70 19 20,80 41,70 62,50 83,30 104,20 125,00 145,80 166,70 187,50 208,30 20 21,80 43,60 65,40 87,10 108,90 130,70 152,50 174,30 196,10 217,80

BANG Tt L PHI BAO RO Tier VONG BOAC THIJIONG TAT TOAN BO VA VINH \TIEN

(Dirge phe chuAn thee Clang Van so 8443/BTC-QLBH ngay 16 thang 07 narn 2018 cila BO Tai Chinh)

1. Bang ty lie phi bao hiem rid ro tir vong hoc thuang tat wan 1:10 va vinh vien áp dung cho NDBH có sire khoe chuan (don phan ngan)

Tai l Nam Nit

0 2,63 1,88 1 1,03 0,84

0,99 0,80 3 0,97 0,78

0,93 0,77 5 0.88 0,75

0,83 0,73 0,78 0,71

8 0,75 0,70 9 0,74 0,69 10 0,75 0,68 11 0,81 0,70 12 0,92 0,73 13 1,07 0,77 14 1,24 0,82 15 1,42 0,87 16 1,59 0,92 17 1,72 0,96 18 1,82 1,00 19 1,88 1,03 20 1,90 1,06 21 1,90 1,08 22 1,88 1,10 23 1,84 1,12 24 1,80 1,15 25 1,75 1,17 26 1,72 1,20 27 1,71 1,24 28 1,70 1,28 29 1,72 1,32 30 1,75 1,37 31 1,80 1,42 32 1,87 1,47 33 1,95 1,54 34 2,05 1,61

Tata Nam Nit

35 2,17 1,70 36 2,32 1,82 37 2,49 1,96 38 2,68 2,13 39 2,90 2,32 40 3,15 2,53 41 3,42 2,75 42 3,71 2,98 43 4,03 3,20 44 4,37 3,44 45 4,73 3,68 46 5,12 3,92 47 5,53 4,19 48 5,97 4,48 49 6,46 4,79 50 7,00 5,13 51 • 5,50 52 fl 5,92 53 9,13 6,38 54 10,01 6,85 55 10,96 7,33 56 11,97 7,80 57 13,04 8,25 58 14,18 8,70 59 15,42 9,20 60 16,80 9,80 61 18,36 10,54 62 20,12 11,49 63 22,09 12,63 64 24,27 13,92 65 26,62 15,29 66 29,13 16,71 67 31,79 18,13 68 34,65 19,59 69 37,81 21,23

Thai Nam Nil'

70 41,37 23,16 71 45,43 25,53 72 50,08 28,47 73 55,34 31,99 74 61,10 36,05 75 67,25 40,56 76 73,70 45,45 77 80,37 50,68 78 87,32 56,32 79 94,76 62,57 80 102,94 69,67 81 112,09 77,83 82 122,41 87,25 83 133,84 97,90 84 146,12 109,62 85 158,98 122,29 86 172,21 135,82 87 185,73 150,18 88 199,53 165,38 89 213,69 181,54 90 228,43 198,85 91 244,11 217,68 92 261,43 238,69 93 282,13 263,41 94 309,97 295,23 95 351,86 341,02 96 420,99 413,88 97 541,00 537,24 98 745,15 743,96 99 1.000,00 1.000,00

2. Tj, le phi bao hiem rñi ro th vong vA thuong tat do tai nan nãng cao áp ding cho NDBH có sire Ichoe chuAn: 1,47 phan nem.