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B O T A l c H iN H

8 5 : 1 2 6 /2 0 0 8 /T T - B T C

C O N G H O A xA H O I C H U N G H IA V I ~ T N A MD ( i c I ~ p - T " d o - H ! J n b p b t i c

Ha NQi, ngay 2 2 thong 1 2 nam 2008

T H O N G T U

Q u y d in b Q u y t~ c , d i ~ u k h o a n , b i~ u p h i v a m u c

t r a c h n h i~ m b a o h i~ m b ~ t b U Q c t r a c h n h i~ m d a ns I ! e u a e h u x eC O 'g i6 ' i

C a n c u N g h i d j n h s 6 1 1 8 /2 0 0 8 /N D -C P n g a y 2 7 th a n g 1 1 n a m 2 0 0 8 c ua

C h in h p h u q u y d in h c h u c n a n g , n h i~ mV \ l , q u y S n h ~ n v a C C J d .u t6 c h u c c u a B Q

T a i c h i n h ;

C a n c u N g h i d i n h s 6 1 0 3 /2 0 0 8 /N D -C P n g a y 1 6 th a n g 9 n a m 2 0 0 8 c u a

C h in h p M v S b a o h iS m b ~ t b U Q c t r a c h n h i~ m d a nS \ f c u a c h u x e C C J g i6 i ;

B Q T a i c h i n h q u y d in h Q u y t~ c , d iS u k h o a n , b iS u p h i v a m u c t r a c hn h i~ m

bflO h iS m b ~ t b U Q c t r a c h n h i~ m d a nS \ f c u a c h u x e c o g i6 i n h u s a u :

I . Q U Y D IN H C H U N G

1 . P h l , lm v i d i ~ u c h i n h

T h O n g tu n a y q u y d in h Q u y t~ c , d iS u k h o m , b iS u p h i v a m u c t r a c h nh i~ m

bflO h iS m b ~ t b U Q c t r a c h n h i~ m d a nS \ f c i l a c h i l x e c o g i6 i . C h i l x e C C J g i6 i ,d o a n h n g h i~ p b a o h iS m d u g c p h e p t r iS n k h a i b a o h iS m b ~ t b U Q c t ra c h n h i~ m

d a n S I ! eila c h u x e C C J g i6 i v a c a e t6 c h u e , e a n h a n c o l i e n q u a n c o t r a c h n h i~ mtu m th i l c a e q u y d in h t l ; l i T h o n g tu n a y v a c a e q u y d in h k h a c e u ap h a p lu ~ t c o

l i e n q u a n .

2 . D A i h r q n g a p d y n g

2.1. Chil x e c o g i6 i t h a m g ia g i a o th o n g t r e n l a n h th 6 n u 6 c C Q n g h o a x ah Q i ehil n g h ia V i~ t N a m .

2 .2 . D o a n h n g h i~ p b a o h i i lm d u g e p h e p t r iS n k h a i b a o h iS m b ~ t bU Q e

t r a c h n h i~ m d a n S I ! eila c h i l x e C C J g i6 i t h e o q u y d in h eila p h a p lu ~ t .

3 . G ia i t h i c h t i r n g f r

3 .1 . " D o a n h n g h i~ p b a o h iS m " l a d o a n h n g h i~ p d u g c th a n h l~ p v ah o ~ t

d Q n g k i n h d o a n h b a o h iS m h g p p h a p t l ; l iV i ~ t N a m v a d u g c p h e p t riS n k h a i b a o

h iS m b ~ t b U Q c t r a c h n h i~ m d a nS I ! c u a c h i l x e C C J g i6 i .

3.2. "Chil x e C C J g i6 i " ( t 6 c h u c , c a n h i i n ) l a c h i ! s a h f r u x eC C J g i6 i h o ~ c

duqe ehusa h fru xe C

quy d inh t~ i Lu?t K inh doanh bao h i~m va cac van ban hu6ng d in thi haOO ,

cac quy d inh khac cua phap lu?t co lien quan.

D oanh ngh i~p bao h i~m khong dUQc sir d l,m g d~ i ly ~an bao h i~m trach

nh i~m dan S1,l'cua chu xe co g i6 i cua doanh ngh i~p bao h iem khac tru tru

b) qi~y chUng nh~ bilOhiSm phii duqc in s6 theo diiy s6 tv nhien, thfr tvtil nh6 den IOn.

c) G i~y chUng nh~n bao hiSm phii duqc su d1}I1gtheo dung thfr WGi~y

chUng nh~n bao hiSm cua tUng quySn, khong duqc dung each s6 (tmtru

- 6 to sa t h l; lC h ;

_ X e m ang b iS n s6 khu k in h tS th uong m ~ i th eo quy d in h cua C h in h phu

vao h01 iL tdQ ng tro ng nQ i d ia V i~ t N am ;

- X e m 6 i I~ p n ip t~ i V i~ t N am ch1 iL Ythu ngh i~ m tren dU O ng g iao th ong

cong cQ ng ;

- X e ph \lc V \l hQ i ngh i, thS thao th eo yeu d .u cua C h in h phu ho~ cB Q

C ong an ;

- C ac lo { l i x e co g im khac duQ 'c phep t~ m dang k y th eo quy d in h cua phap

lu~ t.

2 .3 . T rong th o ; h~ con h i~ u I l!c g h i tren G iay chU ng nh~ bao h iSm , nS u

co S l! chu yS n quy~ nsa h fru xe co g im th i m Q i qu y~ n lq i b ao h iS m lien quandS n trach nh i~ m dan S l! cua chu xe co g i6 i cu v frn con h i~ u I l!c d6 i vm cM xe

C C J g i6 i m 6 i.

3 . Phi bao h i~ m

3 .1 . P h i b ao h iS m la khoan ti~ n rna chu xeC C J g im pha i d ong cho doanh

ngh i~ p bao h iS m kh i m ua bao h iS m b~ t bU Q ctrach nh i~ m dan S I! cua chu xe co

g i6 i. M uc ph i b ao h iS m cua tim g 101 iL ix eC C J g i6 i d uQ 'c qu y d in h t~ i P h \l l \ lc 5

ban hanh ke rn th eo T hong tu nay .

3 .2 . D 6 i v a i cac xeC C J g i6 i d uQ 'c phep m ua bao h iS m co tha i h 1 iL ndu6 i 0 1

nam theo quy d in h t~ i d iS m 2 .2 P h fu l I I cu a T hong tu nay , m uc ph ib ao h iS rn

se duQ 'c tin h d l!a tren m uc ph i b ao h iS m quy d in h t~ i P h \l l \ lc 5T hong tu nay

va tu ong U ng va i th a i h 1 iL nduQ 'Cbao h iS m gh i tren G il l .y chU ng nh~ n bao h iS m .

C ach tin h C \l thS nhu sau :

P h i b ao h iS m

phaini;Jp=

P h i bao h i~ m nam

theo 10 ( l ix e ca g ia i

3 65 (ngay )

x th a i h ( ln duQ 'cbao h i~ m (ngay )

T ruO ng hQ 'P tha i h~ n duQ 'c bao h iS m tu 30 ngaytra xu6ng th i p h i b aoh iS m pha i nQ p duQ 'c tin h b fu 1g ph i b ao h iS m nam theo lo~ i x e co gi6 i/(ch ia )

cho 12 thang .

4 . M w c trach nh i~ m bao h i~ m

M uc tn ich nh i~ m bao h iS m la s6 ti~ n t6 i d a doanh ngh i~ p bao h i~ mco thS

pha i tra d6 i v o i th i~ t h ( l i v ~ th i in thS , t in h m (ln g va ta i san cua ben thu ba va

hanh khach do xeC C 1 g im gay ra tro ng m a i V \l ta i n ~ n xay ra th uQ c ph ( lm v i

trach nh i~ m bao h iS m . C \l thS nhu sau :

5

4 .1 . M uc tn ich ~ i~m bao h iSm d6 i v a i th i~ t h ? i v ~ ngua i do xe co gi6 i

g ay ra la 50 .000 .000 dong /1 ngua i/1 V \l ta i n ?T I.

4 .2 . M uc tn ich nh i~m bao h iSm d6 i v a i th i~ t h ? i v ~ ti i san do xe mo to ha i

b fu lh , x e m o to ba banh , x e g~n m ay va cac Io? i x e co g i6 ituang t l , l (kS ca xeco g ia i d ung cho ngua i tan t~ t) g ay ra la 30 .000 .000 d6ng /lY \I ta i n ?T I. .

4 .3 . M uc trach nh i~m bao h iSm d6 i v a i th i~ t h ? i v ~ ta i san do xe 0to , m ay

keo , x e m ay th i cong , x e m ay nong ngh i~ p , lam ngh i~ p va cac lo ? ix e d~ c

chung khac s ir d vng vao m \lc d ich an n inh , qu6c phong (kS ca nY -m oD cva so

m i nY -m oD cduQ 'c keo ba i x c 0 to ho~ c m ay keo ) gay ra Ia 50 .000 .000 d6ng /1

V \l ta i n ?T I.

5. Huy bObqp dAng bao bi€m

5 .1 . H Q 'Pd6ng b ila h iSm ch i duQ 'c huy bO trong nh frn g tru ang hQ 'Psau :

a ) X e co g i6 i b i th u h6 i dang k y va b iS n s6 theo quy d inh cua phap 1u~ t;

b ) X e co g ia i h& tn ien h?T Is ir d \ln g theo quy d jnh cua phap lu~ t;

c ) X e co giai b i m ftt d uQ 'c co quan cong an xac nh~ ;

d ) X e co g i6 i h 6ng khong s ir d \ln g duQ 'c ho~ c b i pM huy do ta i n ?ng iao

thong duQ 'c co quan cong an xac nh~ .

5 .2 . C hu xe co g ia i m u6n huy b6 hQ 'Pd6ng b io h iSm pha ith ong baob~ng

van . ban cho doanh n~ i~ p bao h i,Sm ke rn theo G if ty ch~ g nh~ baoh iSm

m uon huy b6 va cac bang chU ng ve v i~ c xe co g ia i th uQ c do ituqng duQ 'c huyb6 hQ 'Pd6ng bao h iSm theo quy d inh t? i d iSm 5 .1 Ph fm II T hongtu nay .

H Q 'P d6ng b io h iSm ch ftm d il l t i t th a i d iSm doanh ngh i~ p b ila hiSm nh~

duqc thO ng bao huy b6 hQ 'Pd6ng bao h iSm .

5 .3 . T rang tha i h ?n 05 ngay , kS tit n gay nh~n duQ 'c th ong bao , doanh

ngh i~ p bao h iSm ph ii h oan I? i cho cM xe co g ia i 7 0% ph fm ph i bao hiSm cua

tha i g ian M y b6 . D oanh ngh i~ p bao h iSm khong pha i hoan ph i b io hiSm trong

tru ang hQ 'PhQ 'Pd6ng b ila h iSm dang CDh i~ u I l,lc ,n hung cM xeco g ia i y eu cau

huy b6 hQ 'P d6ng bao h iSm d il x ay ra S 17k i~ n bao h iSm va ph lit s in h tn ich

nh i~m b6 i th uang bao h iSm .

5 .4 . T ruang hgp chu xe co g ia i k hong C Dthong bao v~ v i~ c huy b6 hQ 'P

d6ng bao h iSm , nhung doanh ngh i~ p b ilO h iSm CDnh frng b~ng chUng C \l thS v~

v i~ c xe co g ia i th u9C d6 ituqng duQ 'c huy bO hQ 'Pd6ng bao h iSm theo quy d jnht? i d iSm 5 .1 Ph fm II T hongtu nay , th i d oanh ngh i~ p b ilO h iSm pha i th ong baocho cM xe co g ia i dS th l,lc h i~ n cac thu 11 ,Ichu y bO hQ 'P d6ng . Sau 15 ngay kS

6

tir ngay nh~ duQ 'c thong bao m a chu xeca giai khong th\l'c h i~n cac thu t\lchuy bo hgp d6ng bao hiSm thi hgp d6ng bao hiSm m ~c nhien duQ 'c M yboo

6. Giam dinh thiet hai. ..6.1. K hi xay ra tai n~n, doanh nghi~p bao hiSm ho~cnguai duQ 'c doanh

nghi~p bao hiSm uy quy8n pM i ph6i hgp ch~t che vai chu xe co giai, ben thu

ba ho~c nguai d~i di~n hgp phap clla cac ben lien quan th\l'c h i~n vi~c giam

dinh tim th~t dS xac dinh nguyen nhful va m uc dQ t6n th~t. K ~t qua giam dinh

phai l~p thanh van ban co chii ky cua cac ben lien quan. D oanh nghi~p bao

hiSm chiu trach nhi~m v8 chi phi g iam dinh.

6.2. T ruang hgp chu xeca giai khong th6ng nh~t v8 nguyen nhan va m ucdQ thi~t h~i do doanh nghi~p bao hiSm xac dinh, hai ben co thS thoa thu~

chQ nca quan giam dinh dQ c l~p th\l'c h i~n vi~c giam dinh. T rong truang hgpcac ben khong thoa thu~n duQ 'c vi~c trung du giam dinh dQ c l~p thi m Q t trong

cac ben duQ 'c yeu du Toa annai xay ra tan th~t ho~c nai cu trli cua cM xecagiai chi d inh giam dinh dQ c I~p. K et lu~ bA ng van ban cua giam dinh dQ c I~p

co gia tri b~t bU Q cd6i vai cac ben.

6.3. T ruang hgp k~t lu~ cua giam dinh dQ c l~p khac vai k~t lu~ giam

dinh clla doanh nghi~p bao hiSm , doanh nghi~p bao hiSm phai tra chi phi g iam

dinh dQ c l~p. T ruang hgp k~t lu~n cua giam djnh dQ c l~p trung vai k~t lu~n

giam dinh cua doanh nghi~p bao hiSm , chll xeca giai phai tra chi phi g iamdinh dQ c l~p.

6.4. T rong truang hgp d~c bi~t khong thS th\l'c h i~n duQ 'c vi~c giam djnh,

th i doanh nghi~p bao hiSm duQ 'c ciin cu vao cac bien ban, k~t lu~ cua cac co

quan chuc nang co thftm quy8n va cac tai li~u lien quan dS xac dinh nguyen

nhan va m uc dQ thi~t h~i.

7. LOl,li trw biio hi~m

D oanh nghi~p bao hiSm khO ng b6i thuang thi~t h~i d6i vai cac truang

hgp sau:

7.1. H anh dQ ng c6 y gay thi~t h~i clla cM xe, lai xe ho~c cua nguai bi

th i~ t h~i.

7.2. Lai xe gay tai n~ c6 y bO ch~y khong th\l'c h i~n trach nhi~mdan S\l'

cua chu xe, lai xeca giai.

7.3. Lai xe khong co G i~y phep lai xe hgp l~ ho~c G i~y phep lai xekhong

phil hgp d6i vai lo~ i xe co giai b~t bU Q cphai co G i~y phep lai xc.

7.4. Thi~t h~i gay ra h~u qua gian tiep nhu: giam gia trj thuangm ~i, th i~ t

h~i g~ li8n vai v i~c Slr d\lng va khai th lic tai san bi th i~ t h~i.

7

7.5. Thi~t h~i d6i vai tai san bi rn~t c~p ho~c bi cuOp trong tain~.

7.6. ChiSn tranh, khung b6, dQng dflt.

7.7. Thi~t h~i d6i vai tai san d~c bi~t bao g6rn: yang, b~c, da quy, ti~n,

cac lo~i gi~y ta co gia tri nhu ti~n, d6 c6, tranh imh quy hiSrn, thi hai, hai c6t.

8. Nguyen tic bai thU 'lrng

8.1. Khi tai n~n xay ra, trong ph~rn vi rnuc trach nhi~rn bao hi~rn, doanh

nghi~p bao hi~rn pM i b6i thuang cho cM xeC(J giG i sa ti~n rna cM xe co giai

d1ib6i thuang ho~c se phai b6i thuang cho nguai bi thi~t h~i.

Twang hqp cM xe co giG i chSt ho~c bi thuang t~t toan bQ vinh vi~n,doanh nghi~p bao hiSrn b6i thuang tf\lC tiSp cho nguai bi thi~t hl,li.

8.2. Twan¥ hqp. dn thiSt, doanh nghi~p bao hiSrn pM i tl,lrn ~g n&aynhUng chi phi din thiet va hqp Iy trong ph~ vi trach nhi~rn bao hiern nhlim

kh~c phvc h~u qua tai n~n.

8.3. Muc b6i thuang bao hi~rn:

a) Muc b6i thuang cv thS cho timg 10l,lithuang t~t, thi~t hl,li v~ nguoo

dugc xac dinh theo Bang quy dinh tra tiSn b6i thuang thi~t hl,li vS nguai theo

quy dinh ~i PhV lvc 6 ban hanh kern theo ThOng tu nay. Twang hgp co quySt

dinh cua toa an thi din cu vao quySt dinh cua toa an nhung khong vugt qua

rnuc trach nhi~rn bao hi~rn.

Twang hqp nhi~u xe co giG i gay tai n~n dful dSn cac thi~t h~i v~ nguai,rnuc b6i thuang dugc xac dinh theo rnuc dQ 16i cua cM xeC(J giG i nhung t6ng

rnuc b6i thuang khong vugt qua rnuc trach nhi~rn bao hi~rn.

b) Muc b6i thuang cv th~ d6i vai thi~t h~i v~ tai sim ll vv tai nl,ln dugc

xac dinh theo thi~t hl,li th\fC tS va theo rnuc dQ 16i cua chu xeC(J giG i nhung

khong vugt qua rnuc trach nhi~rn baa hi~rn.

8.4. Daanh nghi~p baa hi~rn khong co trach nhi~rn b6i thuang phlin vugt

qua rnuc trach nhi~m baa hi~rn thea quy dinh t~i rnvc 4 Ph~n II va Phv lvc 6

ban himh kern thea Thong tu nay.

8.5. Twang hqp chu xe co giG i d6ng thai tharn gia nhiSu hqp d6ng baahi~rn b~t bUQc trach nhi~rn dim S\f cho cung rnQt xe co giai this6 tiSn b6i

thuang chi dugc tinh thea hqp d6ng bao hi~rn co hi~u l\fc bao hi~m tWGc.

9. Ha SO' bai thlflrng

. Daanh nghi~p bao hi~m co trach nhi~m ph6i hqp vo; chu xe co giGi, nguoo bi

thi~t hl,li,co quan cong an va cac t6 chuc, ca nhan co lien quankhac dS thu th~p cac

8

ffii li~u co lien quan dSnY \l ta i n~ giao thong dS I~p H 6 sa b6i thuem g. H 6 sa b6i

thuem g bao g6m cae ffii li~u sau:

9.1. H i li~u lien qUfu"1 d~n xe, la i xe (B an sao co xae nhi).n eua doanh

nghi~p bao hiSm sau khi d ii d6 i eh iSu vai ban ehinh):

a) G il1y dang ky xe;

b) G iay phep lai xe;

c) G il1y chU ng m inh nhan diin ho?e H (> ehiSu ho?e cae gil1y to tu)' th iin

khae ella la i xe;

d) G il1y chU ng nhi).nbao hiSm .

9.2. H i li~u chU ng m inh th i~ t h liii v~ ngum (B an sao eua caeC th i~ t

h liiiv~ nguoi co thS bao g6m m (>tho?c m (> ts6 cae tai li~u sau:

a) G il1y chU ng thuang;

b) G il1y fa v i~n;

c) G il1y chung nhi).nph~u thu~t;

d) H 6 sa b~nh an;

d) G il1y chU ng tu (trong truem g hgp nliillnhan tU vong).

9 .3 . H i li~u chU ng m inh th i~ t h liiiv~ tai san:

a) H oa dan, chU ngtit hgp I~ v~ v i~e sua chua, thay m ai tai san bi th i~ th liii do tai n~ giao thong gay fa do eM xe thve hi~n tliii caeC k~t qua di~u tra ban d~uV l,l ta i n liing iao thong;

9

d) Cae tai li~u khae co lien quan d~nV \I tai n~n (n~u co).

10. Thiri h l}n yeu cAn, thanh toan va khi~u nl} ihai thuO 'ng

10.1. Thai h~ yeu cfru b6i thuimg eua ehu xe ca gi

. ,

12. Nghia vl} cita chit xe cO'giOi

1 2 .1 . P h a i th a m g ia v a d o n g d f ly d u p h i b a o h iS m b ~ t b U Q c tn lc h OO i~ m

d a n S \f c u a c h u x e c o g ia i th e o q u y d in h ,t~ i T h O n g tu n a y v a c a c qu y d i l } h c ~ a

p h a p lu ~ t c o l ie n q u a n . K h i m u a b a o h ie m , c M x e c o g ia i p h a i c u n gc a p d a y

d u v a tru n g th \ lc n h i in g n Q i d u n g d i i d u q c q u y d iO O tro n g G ia y ch u n g O O ~ nb a o

h i€ :m .

1 2 .2 . T ~ o d iS u k i~ n th u ~ n Iq i d S d o a n h n g h i~ p b a o h iS m x e m x e t tiO O

tr~ n g x e tru a c k h i c l lp G i l ly c h U n go o ~ b a o h iS m .

1 2 .3 . T ru i 'm g h q p c o S \f th a y d b i v ~ m v c d ic h s u d \m g x e d fu l d S nta n g

h o ~ c g i i im c a c r i l i ro d u q c b a o h iS m , c h u x e c o g iO i p h a i k ip th ai th o n g b a o

c h o d o a n h n g h i~ p b a o h iS m d S a p d \f f ig m u c p h i b a o h iS m p h i l h q pc h o th a i

g ia n c o n I~ i c u a h q p d 6 n g b a o h iS m .

1 2 .4 . C M x e c a g ia i p h a i lu o n m a n g th e o G i l ly c h U n go o ~ b a o h iS m c o nh i~ u l \ f c k h i th a m g ia g ia o th o n g , x u l l t t r in h g i l lyto' n a y k h i c o y e u c f lu c u a l \ f clu q n g c a O O s a t g ia o th O n g v a c o q u a n c h u c n a n g c o th fu n q u y S n k ha c th e o q u y

d iO O c u a p h a p lu ~ t.

1 2 .5 . T u a n th u c a c q u y d iO O v S d i im b a o a n to a n g ia o th o n g d u i 'mg b Q .

1 2 .6 . K h i ta i n ~ g ia o th o n g x a y ra , c h u x e c a g ia i p h i 'l i c o tra ch O O i~ m :

a ) T h o n g b a o n g a y c h o d o a O O n g h i~ p b a o h iS m d S p h b i h q p g ia i q u y~ t,

t ic h C \fCc U u c h u a , h ~ c h S th i~ t h ~ i v S n g u a i v a ta i s a n , b a o v ~ hi~ n tru i 'm g ta i

n ~ n ; d 6 n g th a i th O n g b a o c h o c o q u a n C o n g a n h o ~ c c h iO O q u y ~ n d ia p h U f f i lg

n a i g f ln O O ll t ;

b ) K h o n g d u q c d i c h u y S n , th a o g o h o ~ c s u a c h u a ta i s a n k h i c h u a co yk i~ n c h l lp th u ~ n c u a d o a O O n g h i~ p b a o h iS m ; tr i r t ru i 'm g h q p cA n th iS t d S d i im

b a o a n to a n , d S p h o n g h ~ c h S th i~ t h ~ i v S n g u a i v a ta i s a n h o ~ c p hi 'l i th i h i in h

th e o y e u c ~ u c u a c o q u a n c o th f im q u y S n ;

c ) C u n g d p c a c ta i l i~ u tro n g H 6sa b 6 i th u i 'm g q u y d iO O ~ i d iS m 9 .1 , 9 .2v a 9 .3 (T ru i 'm g h q p d o a O O n g h i~ p b a o h iS m th \ fc h i~ n s u a c h u a ,k h ~ c p h \ lc

th i~ t h ~ i th i c h u x e c a g iO i k h o n g p h i i i c u n g d p ta i l i~ u q u y d iOO t~ i d iS m

9 .3 .a ) P h f ln IIT h o n g tu n a y v a t~ o d iS u k i~ n th u ~ n lq i c h o d o a O O n g h i~ p b a oh iS m tro n g q u a tr in h x a c m in h c a c ta i l i~ u d o .

1 2 .7 . C M x e c o g ia i p h a i th o n g b a o b fu tg v a n b a n c h o d o a n h n g h i~p b a o

h iS m tro n g tru i 'm g h q p x e c a g iO i th u Q c d b i tu q n g d u q c h u y b e . '>h q p d 6 n g b a o

h iS m th e o q u y d iO O ~ i d iS m 5 .1 P h f lnIIT h O n g tu m ty .

1 2 .8 . T h O n g b a o v a tra t iS n b 6 i th u i 'm g c h o n g u a i b i ta i m ;ms a t ib h Qd u q c d o a n h n g h i~ p b a o h iS m tra d b i v O i tu n g tru i 'm g h q p th i~ t h~ i v S n g u a i

th e o d u n g m u c t iS n q u y d iO O t~ i P h \ l l \ lc 6 .

11/

12.9. Cae traeh nhi~m kM e theo guy dinh eua phap Iu~t.

13. Quy~n eua doanh nghi~p bao hiSm

13.1.11m phi bao hi~m b~t bUQetraeh nhi~m dan S\feUa eM xeC

"

14 .5 . K hO ng duq c k hu y~ n m ~ i d ua i m Q i h in h th lrc d 6 i v a i b ao h iSm b~ t

bU Q ctn lch nh i~m dan S l! cu a chu xe co g ia i.

1 4 .6 . T hanh tm ln cho ca quan C ong an ch i p h i sao ch l,lp n h i 'tn gh 6 sa ,

b ien ban ta i n ~ n da duq c cung dp va co tn ich nh i~m g if t g in b i m ~ ttro n g qua

tr in h d i~ u tra .

1 4 .7 . T hu th ~ p cac ta i l i~ u tro n g H 6 sa b6 i thw Jng qu y d in h t~ i diSm 9 .3 .a

( tru b ng hqp doanh ngh i~ p bao h iSm th \fc h i~ n sua ch f ta , k h ~ c ph l,lc th i~ t h ~ i)

v a d iSm 9 .4 P h~ n I I T h ong tu n ay .

1 4 .8 . T hO ng bao cho ngua i b i ta i n ~ n , ch u x e co g iO i b i~ t s6 ti~ nb6 i

th u bng th i~ t h ~ i v ~ ngum va th anh to an s6 ti~ n b6 i th u bng th eo dU ng m uc qu y

d in h t~ i P h l,l l l , lc 6 b an hanh ke rn th eo T hong tu n ay .

1 4 .9 . C h i tn l b 6 i th u bng nhanh chong va ch in h x ac th eo qu y d in hcua

T hong tu n ay v a cac qu y d in h k hac cua ph ilp lu ~ t co l ien quan .

1 4 .1 0 T ro ng v ong 15 ngay tru ac k h i h ~ t th a i h ~ n bao h iSm pha i tho ng

bao cho chu xe co g ia i v ~ v i~ c h~ t th a i h ~ n cua hqp d6ng bao h iSm .

1 4 .1 1 . T r ich t6 i th iS u 2% doanh th u ph i b ao h iSm b~ t bU Q c trachnh i~m

dan S \f cu a chu xe co g ia i h ang nam dongV f iO Q uy bao h iSm xe co g iO i. M u c

dong gop hang nam th eo qu y d in h cua B Q T a i ch in h .

1 4 .1 2 . P h i 'l i h ~ ch to an tach b i~ t d o anh th u ph i b ao h iSm , h oa h6ng , b 6 i

th u bng va cac k hoan ch i p h i k h ac l ien quan d~ n bao h iSm b it bU Q ctrach

nh i~m dan S \f cu a cM xe co g ia i.

1 4 .1 3 . X ay d \f i lg v a v~ n hanh h~ th 6ng cong ngh~ th ong tin d am bao v i~ c

th 6 ng ke v a c~ p nh~ t t in h h in h tr iS n k ha i b ao h iSm b~ t bU Q c tn lch nh i~m dan

S \f cu a chu xe ca g iO i d am bao k~ t n 6 i v ao co sa d f t l i~ u vS bao h iSm b~ t bU Q c

trach nh i~m dan S \f cu a cM xe co g ia i. H ~ th 6 ng ca sa d f t l i~ u t6 ith iS u ph li i

c u n g dp duq c cac th o ng tin sau :

a ) T hong tin cM xe ca g ia i:

- T en chu xe ;

- S 6 G iA y chU ng m in h nhan dan cua chu xe ho~ c s6 hQ ch i~ u (d 6 i v a ich u

x e la ca nhan );

- D ia ch i l ien l~ c .

b ) T hO ng tin vS x e co g ia i:

- B i~ n s6 dang k y ;

- N h iin h i~ u ;

13

- L O l; l ix e ;

- D u n g tfc h ;

- M im san ;

- N am san x u A t;

- sa m ay ;

- sa k h u n g ;

- T rQ n g ta i ( tru < :m gh q p x e 0 to ) ;

- S 6 ch 6 n g 6 i ( tru < :m gh q p x e 0 to ) ;

- M \lc d ic h su d \ln g x e (k in h d o an h h o ~ c k h o n g k in h d o an h ) ( tru< :m gh q p

x e 0 to ) ;

- S 6 g iA y ch l in g n h ~ b ao h iS m ;

- T h a i d iS m co h i~ u l\ Ic b ao h iS m ;

- T h O i d iS m h ~ t h i~ u l\ Ic b ao h iS m ;

- P h i b ao h iS m ;

- N g ay n Q p p h i;

- N g ay cA p d an ;

- N a i cA p d an ;

- N g u a i cA p d an .

c ) T h o n g tin g h i n h ~ v ~ s6 Ian g ay ta i n l ; ln ,s6 Ian b i x u ly v i p h l; l f f iL u ~ t

g iao th o n g d U < :m gb Q c lla 1 M x e ca g iu i.

- S 6 Ian g ay ta i n l ; l f i(c h i t i~ t th a i g ian , d ia d iS m , m u c d Q v i ph l; lm th eo x ac

d in h 1 6 i cu a ca q u an co n g an ) ;

- sa Ian d i i n h ~ ti~ n b a i th u < :m g ,sa t i~ n b a i th u < :m gth eo tU n gV I,! ta i n l ; ln

(c h i t i~ t th eo tU n gV \I ta i n l ; l f i ) ;

- sa Ian b i x u Iy v i p h l; lm L u ~ t g iao th o n g d U < :m gb < )c l la h i i x e(n ~ u co ) .

1 4 .1 4 . B ao cao B < ) T a i ch in h v ~ tin h h in h th \IC h i~ n b ao h iS m b ~t b U Q c

tra ch n h i~ m d an S \I C l la cM x e co g ia i th eo d in hIcY h o ~ c k h i c o y eu cau , C \l

th S :

a ) B ao cao d in h k y th \IC h i~ n th eo q u y d in h t l ; l iP h \ l l \1 c 7 v a Ph l,l I \1 C8 b an

h an h k e rn th eo T h o n g tu m iy .

1 4

h) Ngoai cae b,lo eao guy dinh t\li Ph\l 1\le 7 va PhI} I\le8, doanh nghi~p

bao hi~111co tn\ch nhi~tl1 bao c3.0 v6 tinn hinh tri~n khai bao hiJm b5t but)e

tnieh nhiem dim Sll ella ehu xc eu gilT i khi co veu etw etld So Tlii ehinh... ~. .

Trong thai h;m 2 nam k~cu ng.1Y Thong tll niiy co hi~Ll l\rc, dOdnh I1ghi~pbilO hi~m ph;ii xiiy d\rng C(J sa dtr li~u dap irng cal' quy dinh t;li di~m 14.13

Ph

pm) Ll.JC:;

R I~ l~ Deh? ng2-i the~ ~ ~ ___ ---~ ---~ -553 :Q ]fQ ],J 1 - - l}J ch~ ng9 i theo d fm g_ky 2.691.:..0.0.0.1I~_ t-~ L 01~ ~ ji theo dar:!g_ky_______________ __ _ . 2 .8 .1~ ~ ~I 1 9 + 13 ch~ n~ i theo (L a.ngJi 2 .9 5 0 J )D DI 20. ~ 4 eha ngo i theo dang9 '__________ 1 _ 3 .D S .8JJQ Q _

2 1 ]5 eh6 t1 .g6 itheo~ !l1g kY I 3 20.9 DOD i

---- l----3 .2~ 6..~ ~ ~ :IT " T ren 25 eh6 ng6 i . - ' I

(so eho ngo i -2 _ 5

i eho)-------.--------------------- l-- '--~ -----

V X e 0 to rhO ' h :m g C !_e__t_a~ i) _

1 2 u 6 i 3 , t~ n~ - _ _ -- - - - - - - - - - - - - -

_3 -T II 't! S den ,15 tan _ t__un_.L"~60.DDD4 T ren 1 5 tan 2.243.0.0.0.

-- ---------~ ---_ . - ---------- ----- -

I I . B IE U P H i T R O N G M O T s6 T R U O N G H Q 1 ' K H A .C

1 X e T ax i:

T inh bang 150.% e lla ph i xe k inh doanh c lings6 eh6 ng6 i g u y d inh t~ im ~ e IV

X e 0 to chuyen c itIng :T inh b~ ng ph i bao h i~ m ella xeehahang e llng tn )ng ta iguy d jnh t~ i rn~ cV

3 D A k ' .au eo roo m O l~ :

1 'inh b~ ng xe tn ;m g ta i tren1 5 tA n

4 X e m a y ch llyen d ill l~ : .1 'inh bang ph i bao h iem clla xecha hang dua i 3 tan guy d inh t\li m ~ c V

5 X c buy t

T inh b~ ng ph i bao h i~ m C l13xe khO ng k inh doanh v~ n ta i cungs6 ch6ng6 i guy d inh t" ,i l11 \lCIII

(Phi hiia hiim tren dliy dum baa gam 10% thui Gili trj gia tang)

II, cAe TRU'O'NG !IlJP TtH;'O,W ; 'L~T nQ PIL~;\,

r------- ---------------------------------------- -- ---------------------------I ' _ _ , ,I 7! Md' lilian loan kha n:ing lao J(1ng v:, 1;'1I11vi~c (wan h(1 hi 10 Ij(;t. hi thll

4

10 ls--j

I' ;T"j~,-";O~";,j, "g"~'h': --- -- -1-7 I -~IR \1£Jt1ngc\~l!o\':l 2 ~Ilgl)n\(hilc ~ ~~==~-=_ll '7) ~_ 21-~8)--19 ! \Ut 1 ng{m tro V~'i I 1H.!.6n Qifra

I - ~ ••.

20-r;.1~ttr('n m

'.

Gay ditu dum xucmg quay--

34 8 9

35 ~ man: tnun quay ho~ctrV 7 8---36 Gay xucmg c6 lay 8 9

37 Gay xucmg d6t bim (tuy muc de)tiT I d~n nhi€u d6t) 7 8

38 Gay xucmg don:

- Can t6t 5 6

- Can g6, ctrng vai 12 13

- C6 chen ep thitn kinh mil 17 18

39 Gay xucmg ba vai:

- Gay va, khuy~t phitn than xucmg 7 8

- Gay va nganh ngang 10 II

- Gay va phitn kh6p vai 19 20

40 Gay xucmg ng6n lay (tuy lIlUCdi)tiT I d~n nhi€u ng6n) 5 6

B. CHIDlf(n I41 M

5& M & t 1 d6t ngon cm 5 6

59 C (m g khap hang 26 2&

60 C (m g khap g6 i 19 20

61M & tph fu l Ian xuong banh cM va g im h(ln nh i~u kha nang du6 i

26 2&c~ng chan tren du i

62 Gay chan can I~ch ho\ic m& txuong lam ngfu l ch i

- it nh& t 5 cm 21 23

-til3 -5cm 19 20

63 L i~ t hoan toan day thA n k inh hOng khoeo ngoai 21 23

64 L i~ t hoan toan day thA n k inh hong khoeo trang 17 1&

65Gay xuong du i 1 /3 g iiia ho \ic dum (T ru im g hgp phm mb dugc

thanh toan m uc t6 i da)

- Can t6 t 14 15

- Can x& u, tI\lC I~ch , chan d(lllg ho \ic khep , teo co 19 20

66qay 1 /3 tren hay cb xuong du i (T ru im g hgp m b dugc thanh toan

to i da)

- Can t6 t, lr\JC th fu lg 17 18

- Can x& u, chan V ",O ,d i dau , teo co 21 23

67 K hap g ia cb xuong du i 26 28

6& Gay 2 xuong cfu lg chan (chay+ mac) 14 15

69 Gay xuong chay 10 ,II

70 Gay dO (lllm am chay 12 13

71 Gay xuong m ac 9 10

72 BU t gan b linh che 12 13

73 V o xuong banh che (tru im g hgp phai m b thanh toan t6 i da) 9 10

74VO xuong banh cM bi c(m g khap g6 i ho \ic teo ca tu d& u (tuy

14 15theo m uc dQ ) I.

75 BU t gan A ch ille (da n6 i I(li) 9 10

76 Gay xuong d6t ban (tuy theo m uc dQtil I d~n nh i~u d6t) 5 6

77 V axuong got 12 13

78 Gay xuong thuy~n 10 II

79 Gay xuong ngon chan (tuy m uc dQtil I d~n nh ieu db t) 5 6

& 0 Gay nganh ngang xuong m u 15 16

4

.':

'.

81 Gay \l ng6i 14 15

82 Gay xuang canh ch~u1 ben 14 15

83G~y xuang cMu 2 ben, mea xuang ch~u (tuymuc di) anh huemg

29 30den sinh de)

84 Gay xuang cling: - Khong r6i lo\ffi cO 'tron 7 8

- Co r6i lo\ffi cO 'tron. 17 18

C.CQTSONG

85 dt b6 cung sau : - C lla1 d6t sbng 19 20

- C lia 2 - 3 d6t s6ng tra len 29 30

86 Gay xr,p than 1 d6t s6ng (khong li~t tuy) 19 20

87 Gay xr,p than 2 d6t s6ng tra len (khOng li~t tuy) 29 30

88 Gay vcr mom gai ho(ic mom ben:

- C lia 1 dbt s6ng 0, 8 9

- C lia 2 - 3 dbt s6ng 21 23

D.SQNAO

89 Khuy,h xuang SQ(chua co bi~u hi~n thful kinh, tiim thful)

- Duemg kinh dum 6 cm 19 20

- Duimg kinh tir 6 - 10 cm 29 30

- Duemg kinh tren10cm 33 35

90 Rbi IO \ffingon ng\! do anh huemg clia v6t thuang d\li nao-

- Noi ngQng, Noi l~p kho khan anh huemg d6n giao ti6p 19 20

- Khong noi dugc (cam) do t6n h{li vUng Broca 33 35

- M~t ~a nang giao dich bfulg chii' v i6t (m~t nh~ bi~t vB ngon33 35

ngfr do ton h\li vling Wernicke)

91 Li)t da dAu toan bi) (l phful theo ti1~) 26 28

92 V6t thuang SQnaoM:

- Xuang bi nUt n;m 24 25

-UmxuangsQ 19 20

- Nhi~u manh xuang di sau vilO nao 29 30

93 Ch~ thuang SQnao kin

- Va vom 59 (duemg r\ln n(rt thuang, 15m hol;\c lun xuang) 14 15

- Vcr xuang Ian xuong nen S9 khong co li~t day than kinha nen19 20

S9 --

5

- Va xuang Ian xuang n~n sQ , li~ t day th f in k inha n~n SQ 24 2594 Ch fu l thuang nao

- C h fu l dQ ng nao 7 8

- PM nao 24 25

- G i~p nao , d«p nao 29 30

- C h ily m au khoang dum nh~n 24 25

- M au 1 \1 tTO ng5Q (ngoa i m ang dm g , trong m ang cU ng , trong19 20

nao )

E . LONG NGT fC

95 C~ t b i>1-2xuang suO n 9 10

96 C~ t b6 tir 3 xuang suO ntra len 17 1897 C~ t b6 dO \il lm b i xuang suO n 5 6

98 Gay I - 2 xuang suO n 5 6

99 Gay 3 xuang suO ntra len 12 13

100Gay xuang irc dan thu fin (ch irc nang phan tim va hc3hA p b inh

9 10thuO ng )

101 M e ho(ic r\i l l xuang irc 7 8

102 d t toan bQ mQ t ben pha i 38 40

103 C~ t nh i~u thuy pha ia 2 ben , D TS g iitm tren50% 36 38104 d t nh i~u thuy pha ia 1 ben 29 30105 C~ t I thuy pha i 21 23

106 T ran d jch , kh i, m au m ang pha i (ch i chQ c hu t dan thu fin ) 5 6

107 T ran kh i, m au m ang pha i (ph iti d~n luu rna ck m au ) 14 15

108 Tan thuang cac van tim , vach tim do ch fu l thuang (chua suy tim ) 29 30

109 K hau m ang ngoa i tim :

- Ph~u thu~ t k~ t qua h \il l ch~ 33 35

- Ph~u thu~ t k~ t qua ta t 21 23

G .BVNG

110 c lit toan bQ d(l day 40 43

I I I C ~ t dO (ln d (l day 29 30

112 C~ t g fin h~ t ruQ t non (con1,"dua i 1m ) 40 43

113 C~ t dO (ln ruQ t non 24 25

6

o.

r- i ,43114 I Cat to im bQ d(li trang 40

-- -II~ C~t dO (ln d(li trang 29 30_.116 i C~t b6 gan phai dan thu~n 38 40

117 C~t b6 gan tn ii dan thu~ 33 35--

118 C~t ph iin thuy gall, tuy v i tr i, s6 lugng va k~ t qua ph~u thu~ t 29 30-- --

119 C~t b6 t\li m \lt 26 28

120 C~t b6 la lach 24 25

121 dt b6 duo i 1\!Y, l i ich 33 35

122 Khau 16thung d(l day 17 18

123Khau 16thung IUQ tnon (tuy thea m ue dQ1 16hay OO ieu16

21 23thU ng)

124 Khiiu 16thU ng d(li tr ilng 19 20

125 D \lng r~p gan, khau gan 21 23

126 Khiiu v6 la lach 17 18

127 Kbau 1\!Y 17 18-- f--

HoCO QUAN TIET NItU, SINH Dl)C

128 C~t b6 I th~ , th~ con l(li b inh thuang 29 30

129 C~t b6 1 th~ , th~ con l(li b i t3n thuang ho i).cb~nh ly 38 40

130 C~t I ph~ th~ tra i ho i).cphai 19 20

131 Chan thuang th \ln (tuy thea m uc dQ val ho i).c2 ben)-

- N hc;:(khong ph ili xu Iyd i).chi~u,thea do i dum 5 ngay) 4 4

- T rung b iOO (pM i dung thu6c d i).ctri, theo do i tren5 ngay) 7 8.

- N i).ng (co d \lllg r~p , pM i can th i~p ngo(li khoa) 26 28-- _.

132 C~t 1 ph~ bang quang 17 18- .-

133 M 3 thong bang quang v iOOv i~n 38 40.

134 Khau 16thU ng bang quang 17 18

135 M

- T ren 45 tu6 i 14 15

137 d t vu a n il' dum 45 tu6 i: I ben 14 152 ben 26 28

tren 45 tu6 i: I ben 9 10

2 ben 19 20

I. MAT

138 M ~ t ho~c m il hoan to im I m ~ t

- K h6ng I~p dugc m ~ t g ia 31 33

- L~p dugc m ~ t g ia 29 30

139 M (\t m ~ t th i h ,rc con dB n 1 /10 21 23

140 M (\t m ~ t th i h ,rc con ill 2 /10 dB n 4 /10 9 10

141 M (\t m ~ t th i h ,rc con ill 5 /10 dB n 7 /10 7 8

142M ~ t ho~c m il hoan t< ;JanI m ~ t nhung W ac kh i xay ra ta i n (U ld ii

43 45m at ho~cmil m Q t m at

K. TAl - MiJI - HQNG

143 D iB c 2 ta i :

- H oan toan kh6ng ph \lc h6 i dugc 40 43

- N ~g (N 6 i to ho~c thet vao ta i con nghe ) 33 35

- V ila (N 6 i to 1 -2 m con nghe ) 21 23

- N h~ (N 6 i to 2 - 4 m con nghe) 12 13

144 D iB c I ta i: H oan toan kh6ng ph \lc h ili dugc 19 20

V ila 9 10

N h~ 7 8

145 M ~ t vanh ta i 2 ben 19 20

146 M it vanh ta i I ben 12 13

147 S~o rum vanh ta i, ch it h~p 6ng ta i 12 13

148 M ~ t m iii, b iB n d(U lgm iii 19 20

149 V B t thuang hQ ng s~o h~p anh hu i'm g dB n nu6 t 19 20

L. RANG - HAM -M~T

8

"

" ,

p h i ln x u o n g M m tr e n v a I p h i ln x u o n g h a m d u & i tu c a n h !a x u 6 n g :

a c b e n 4 3 4 5

g b e n 3 8 4 0- - - -

D i ln b ( l x u o n g h a m t r e n h o ~ c d u m . 3 8 4 0

p h i ln x ,u o n g h a m t r e n h o ~ c ~ p h i ln x u o n g M m d u m .(tir 1/3I

2 1 2 3/2 b i m a t ) t i r c a n h c a otra x u o n g

u o n g M m tr e n v a M m d u m . c a n x A u g a y s a i k h 6 p c ~ n n h a i ,1 7 1 8

6

-

u o n g g o rn a , c u n g t j~ p x u o n g h a m t r e n h o ~ c x u o n g h a m1 2 1 3

g a y r 6 i lo ~ n h i ; k h 6 p d n v a c h u c n a n g n h a i .

h a m g ia d o k h o n g l i& n x u o n g h a y k h u y ~ t x u o n g 1 2 1 3

a n g : T r e n 8 c a i k h o n g I~ p d u g c r a n g g ia 1 9 2 0

-7 r a n g 1 2 1 3

- 4 r a n g 6 7- - -

- 2 r a n g 2 3

3 /4 lu m c o n g 6 c lu a i (tir d u a n g g a i V tra r a ) 4 0 4 3

/3 lu m t i r d i lu lu m 2 9 3 0

- - - I1 /3 lu m a n h h u a n g d ~ n p h a t a m 1 2 1 3

1 p h i ln n h e lu m (d u m . 1 /3 ) a n h h u a n g d ~ n p h a t a m 7 8

ET THUONG PIIAN MEM , BONG- -

I

u o n g p h i ln m & m (V T P M ) b a o g 6 m ra c h d a , r a c h n ie m m \ lC ,

g a n , s a i k h 6 'p . . k h O n g a n h h u a n g t6 iCC1 n a n g ( tu y th e o m u c 4 6

g , n h i ; , n h ie u , it)

-M g a y d a u , n i t , te , c o k e o ( tu y m i r c d ( l r ( ln g h i ;P , n h i& uit),

1 2 1 3lU a n g d ~ n g a n ,ca,m \ lc h m a u 1 6 n , th i ln k in h

- - - - _ ._ - - - - -

M a n g v c , b \U lg a n h h u 6 n g d ~ n h o h ~ p 2 1 2 3- - - - -

M d ~ l ( l i S i ;O s a C l r n g la m b i~ n d ~ g m ~ t g a ytra n g \ l i d ~ n a n ,2 9 3 0

v a c i r d ( ln g c 6

-

M k h u y ~ t h 6 n g 1 6 na c h u n g q u a n h h 6 c m i~ n g , v ~ t th u o n g2 9

I3 0

a m a a n h h u 6 n g n h i& u d ~ n a n u 6 n g .

- -

-~I p h i ln h a m ~ c h la m th O n g g iu a m f i i v a m i~ n g 1 5-

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- D i ~ n t i c h d u a i 5 % 3 4

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Nh im g Irubng h !fp d~c b ifl:

1 T rubng h !fp b i d inh cae khU 'p ngon lay (Ir ir ngon ca i va ngon Ira ) va cac khU 'p ngon chan (Ir irngon ca i) Ih i sO li€n ba i Ihu im g ch i bdng50% sO ti€n ba i Ihu im g quy d inh Irong tru im g h !fp C lllngon do .

2 T ru im g h !fp m a l hdn chU e n ling c lio lim gbp ph (in ho~c hong v inh v iln ch i d lr {1cco i nhu m a lbpph (in ito ho (ic m a l ch i.

3 T rubng h !fp Iruqc kh i xay 1'0 'ta i n ( ln , nguU i b i ta l n ( ln ch i con m p l m a l va nay m a l nO t m a t lanh

con l( l i th i dU (lc co i nhu m a l hoan toan ho i m ilt.

4 T rubng h !fp ngu ir i b i ta l n ( ln b i nh i€u hun m p t 10 fi thU Y l1 lgt( i l th i sO tl€n ba ithu im g se la lang sO

li€n ba i thu im g cho tim g 10 (li thu l11 lg l( it. T ang so ti€n ba ithu im g se khong vu (lt qua mU e trach

nh ifm b ilt bupc .

5 N h im g trubng h !fp thu l11 lg t( it khO ng d '''( lc l iftke trong B ang quy d inh tra ti€n ba i thu im g th ifth ( l i v€ ngu ir i se dU (lc ba i Ihubng theory I f I ren cO 's it so stinh linh ngh iem trpng c lio no vO 'inh im gIru im g h !fp khac co trong Bang ho (ic dU (lc c linc l i " vao k it lu ( in c lio H p i dang g iam d inh y khoa .

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