bh con nguoi

BO HIM CON NGI*www.sachdoanhtri.blogspot.com

www.sachdoanhtri.blogspot.com

Tng quan v BH con ngiS cn thit khch quanVic mt hoc gim thu nhp ca ngi tr ct trong gia nh nh hng n cuc sng ca con ci v ngi thnTui gi hoc khi v hu thc v iu kin chm lo cho bn thn v gia nh*www.sachdoanhtri.blogspot.com


Tc dng ca bo him con ngiGp phn n nh i sng, l ch da tinh thn cho ngi c BHGp phn n nh ti chnh v sn xut kinh doanh cho doanh nghipQu bo him ln do s ng tham gia, c th dng u tL cng c huy ng ngun vn nhn ri trong cng chngTo cng n vic lm, tng vn u t gio dc con ci*www.sachdoanhtri.blogspot.com


Phn loi bo him con ngiTheo thi hn BHBH ngn hnBH di hnTheo hnh thc BHBH bt bucBH t nguynTheo k thut qun lBHCN qun l theo k thut phn chiaBHCN qun l theo k thut tn tchTheo ri ro bo himBHCN phi nhn thBHCN nhn th

*www.sachdoanhtri.blogspot.com


BHCN phi nhn thc imHu qu ca ri ro mang tnh cht thit hiThng quy nh tui cho ngi c BHThi hn BH ngnThng trin khai kt hp vi nghip v BH khc trong cng mt hp ng BH*www.sachdoanhtri.blogspot.com


Cc nghip v BHCN phi nhn thBo him tai nn con ngi 24/24Mc ch: Gp phn n nh cuc sng cho bn thn ngi b tai nn v gia nhTo iu kin thun li cho nhng ngi lm nhng ngnh ngh thng xy ra tai nn c BH nh khai thc, xy dng i tng tham gia: Ngi t 18 n 60 tui, th cht v tinh thn bnh thng*www.sachdoanhtri.blogspot.com


Phm vi BH: Tai nn cht ngi hoc gy thng ttTrng hp loi trNgi c BH vi phm php lutHnh ng c gy tai nnnh hng ca cht kch thchNg c, trng ging t, ni la, nhim phng xChin tranhThi hn BH: thng l 1 nm*www.sachdoanhtri.blogspot.com


S tin BH v ph BHSTBH quy nh nhiu mc ngi tham gia la chnPh BH thng ng 1 ln khi k kt H, thng t s liu thng k ca cc nm trcPh BH (P) = Ph thun (f) + ph ph (d)

Ci: S tin chi tr cho nhng ngi b tai nn v sau b cht nm th iTi: S tin chi tr cho nhng ngi b tai nn thng tt nm th iLi: S ngi tham gia BH tai nn con ngi 24/24 nm th in: th t cc nm ly s liu tnh ton



Chi tr BH: Phi c giy t lin quanB cht hoc thng tt ton b vnh vin: STCT = STBHB thng tt b phn: STCT = STBH x t l thng ttThng tt tm thi: STCT = chi ph thc t iu tr (khng vt qu STBH)B cht trong vng 1 nm t khi xy ra tai nn (do hu qu ca tai nn): STCT = STBH s tin chi tr



Bo him tai nn hnh khchMc chGp phn n nh cuc sng ca hnh khch v gia nh hTo iu kin cho chnh quyn a phng khc phc hu qu kp thii tng BH: tnh mng v tnh trng sc kho ca hnh khch trn phng tin giao thng kinh doanh chuyn ch hnh khchPhm vi BH: ri ro, thin tai, tai nn bt ngThi hn hiu lc: thi gian hp l thc hin hnh trnh*www.sachdoanhtri.blogspot.com


S tin BH v ph BHPh BH: tnh vo gi vPh BH tnh trn 1km/ hnh khchPh BH tnh theo t l trn gi cc vn ti*www.sachdoanhtri.blogspot.com


P = f1 + f2 + f3 + f4

f1: ph thunf2: ph phng hn ch tn thtf3: ph d phngf4: ph qun l v li d kin*www.sachdoanhtri.blogspot.com


u im: Chnh xc v c lp vi gi cc vn tiNhc im:Mc ph tnh ra lNh => nh hng n khu bn v v qun l ca c quan vn chuyn*www.sachdoanhtri.blogspot.com


Ph BH tnh theo t l trn gi cc vn tif = R x GvR: t l ph BHGv: gi cc vn ti Qi: Tng chi ph tr cho tai nn bo him nm th iDi: Tng doanh thu cc ph vn ti ca ngnh vn ti nm th i*www.sachdoanhtri.blogspot.com


u: n gin, d tnh tonNhcPh thuc vo gi cc vn tiPhi gi thit 100% hnh khch u c BH vi STBH cho trc*www.sachdoanhtri.blogspot.com


Thu ph khonP = Ph BH bnh qun 1 hnh khchx S ch ngi bq 1 phng tinx S phng tin hot ngx S lt phng tin hot ng bq 1 ngyx S ngy hot ng bq 1 thng*www.sachdoanhtri.blogspot.com


Tr tin BHNu tai nn cht ngi: STCT = STBHNu b tai nn thng tt: STCT = STBH x t l thng ttNu hnh khch b tai nn nh, tm thi: STCT c th tnh theo chi ph thc t (nm vin, iu tr) hoc c th tnh theo cng thc:STCT = STCT bq 1 ngy x s ngy nm vin



Bo him tr cp nm vin phu thutMc ch: gip con ngi khc phc kh khn khi b m au, bnh tt phi nm vini tng tham gia: ngi t 1 n 65 tui, loi tr ngi b bnh phong, AIDS, thn kinh, ung th, b tn ph hoc thng tt vnh vin (mt 80% sc kho), ang trong thi k iu tr bnh tt, thng ttPhm vi BHm dau, bnh tt, thng tt, thai sn phi nm vinCht trong qu trnh nm vin, phu thut



Trng hp loi tr:iu dng, an dng, nm vin kim tra sc kho hoc gim nh y khoa m khng lin quan n vic iu tr bnh tt, thng ttTo hnh, thm m, chnh hnhS dng cht kch thchChin tranhThi hn bo him: thng l 1 nm, hp ng BH c hiu lc sau mt thi gian nht nhSTBH v Ph BHS tin BH: n nh nhiu mc khc nhauPh BH: ph thuc tui, gii tnh, STBH, thi gian BH, tnh trng sc kho*www.sachdoanhtri.blogspot.com


Ph BH (P) = Ph thun (f) + ph ph (d)Ci: tng s tin chi tr cho nhng ngi b cht nm th i tham gia BHVi: tng s tin chi tr cho nhng ngi phi nm vin iu tr nm th i Ti: tng s tin chi tr cho nhng ngi phi phu thut nm th i n: S nm kho stBi: s ngi tham gia BH tr cp phu thut nm vin phu thut nm th i*www.sachdoanhtri.blogspot.com


Chi tr tin BH: p dng nguyn tc bi thngS tin chi tr c xc nh trn c s chi ph thc t pht sinh, v vy thng chi tr theo nh mc



T l nh mc tr cp cho mi ngy iu tr trong bnh vin c tnh trn STBHV d: T l nh mc tr cp l 0,3% mi ngy, STBH l 10tr. Mi ngy c tr cp 10tr x 0,3%T l tr tin phu thut cng c tnh trn STBH, nhng ph thuc vo tng loi hnh phu thut. VD: u no 50%, chch ung nht 2%...



S ngy c tr cp nm vin l s ngy nh mc trn hp ng => khng ph thuc s ln nm vinNu b cht khi ang nm vin hoc phu thut th c BH tr cp mai tng ph (c ghi trong HBH)*www.sachdoanhtri.blogspot.com


Bo him hc sinhMc chTr gip hc sinh v gia nhTo lp mi lin h gia nh trng, gia nh v cng ty BHGip hc sinh nng cao thc cng ngNgi c bo him: Hc sinh, sinh vinPhm vi BH: Cht, tai nn, thng tt, bnh tt*www.sachdoanhtri.blogspot.com


Trng hp loi trT t, cht kch thchHnh ng c ca ngi tham gia bo him, ngi c BH, ngi c hng quyn li BHiu tr bnh bm sinh, thm m, chnh hnhChin tranhThi hn bo him: thng l 1 nm*www.sachdoanhtri.blogspot.com


Cc nghip v BHCN phi nhn th khcBH tr cp mt kh nng lao ng do tai nn, bnh ttBH tai nn khch du lchBH cc b vBH ci xin



BO HIM NHN THc imBHNT va mang tnh tit kim, va mang tnh ri roBHNT p ng nhiu mc ch khc nhau ca ngi tham gia BHCc loi hp ng BHNT a dng v phc tpQu trnh nh ph phc tp: chi ph khai thc, chi ph qun l hp ng, tui ca ngi c BH, tui th bnh qun ca con ngi, STBH, thi hn tham gia, phng thc thanh ton, li sut u t, t l lm phtRa i v pht trin trong iu kin kinh t x hi nht nh*www.sachdoanhtri.blogspot.com


Cc loi hnh BHNT c bnBo him trong trng hp t vongBo him sinh mng c thi hn (BH t k)c loi bo him t k khc*www.sachdoanhtri.blogspot.com


Bo him sinh mng c thi hn (BH t k)c imThi hn bo him xc nhTrch nhim v quyn li mang tnh tm thiPh bo him thpMc chm bo cc chi ph mai tngBo tr cho gia nh v ngi thn trong thi gian ngnThanh ton cc khon n ca ngi c bo him*www.sachdoanhtri.blogspot.com


c loi bo him t k khcBH t k c nh: ch yu nhm thanh ton cho cc khon n tn ng trong trng hp ngi bo him b t vongBH t k c th ti tc: c th c ti tc vo ngy kt thc H v khng c yu cu v bng chng sc kho ca ngi c BH nhng c yu cu v tui, ph BH tng khi ti tcBH t k c th chuyn i: c chuyn i 1 phn hay ton b hp ng thnh 1 H BHNT trn i hoc BHNT hn hp



BH t k gim dn: STBH gim hng nm theo mt mc nht nhBH t k tng dn: nhm ngn nga yu t lm phtBH thu nhp gia nhBH thu nhp gia nh tng lnBH t k c iu kin: ch thanh ton tr cp khi ngi c BH cht nhng ngi th hng cn sng*www.sachdoanhtri.blogspot.com


BH nhn th trn ic imSTBH tr mt ln khi ngi BH b chtThi hn BH khng xc nhPh BH c th ng 1 ln hoc ng nh k v khng thay i trong sut qu trnh BHPh BH cao hn BH t kL loi hnh BH di hnMc chm bo chi ph mai tngm bo thu nhp n nh cuc sng cho gia nhGi gn ti sn*www.sachdoanhtri.blogspot.com


Cc loi hp ng BHNT trn iBHNT trn i phi li nhunBHNT trn i c tham gia chia li nhunBHNT trn i ng ph lin tcBHNT trn i ng ph 1 lnBHNT trn i quy nh s ln ng ph BH*www.sachdoanhtri.blogspot.com


BH trong trng hp sngc imTr cp nh k cho ngi c BH trong thi hn xc nh hoc cho n khi chtPh BH ng 1 lnMc chm bo thu nhp c nh sau khi v hu hay tui giGim bt ph thuc vo phc li x hi hoc con ci khi tui gi*www.sachdoanhtri.blogspot.com


BH nhn th hn hpc imSTBH c tr khi ht hn hp ng hoc ngi c BH t vong trong thi hn BHThi hn BH xc nhPh BH ng nh kC th c chia li hoc hon ph khi khng tip tc tham giaMc chn nh cuc sng gia nh v ngi thnTo lp qu gio dc, hu tr, tr nC th th chp vay vn*www.sachdoanhtri.blogspot.com


Ph BH nhn thNguyn tc nh ph BHNTCc khon thu trong tng lai trang tri cc khon chi ph v bo him, ng thi mang li li nhun hp l cho DN bo himPh phi c tnh ton da trn nhng c s khoa hc nht nh: quy lut s ln trong ton hc, bng t l t vong trong thng k, quy lut gii tnh v tui th tng dn trong dn s hc, quy lut v lm phtQu trnh nh ph phi da vo mt s gi nh, cc gi nh ny phi thng nht v hp l: t l t vong gia cc ngnh ngh, cc vng a l, li sut gia cc loi hnh u t, t l hp ng b hu b, thi gian thanh ton*www.sachdoanhtri.blogspot.com


Bng t l t vongc xy dng trn c s iu tra v nhn khu v tnh hnh t vong ca cc tng lp dn cT l t vong, t l sng c xc nh theo gii tnh v tui*www.sachdoanhtri.blogspot.com


x: tuilx: s ngi sng ti tui xdx: s ngi t vong gia tui x v (x + 1)

qx: t l t vong tui x

Px: t l sng tui x



V dS nam gii sng tui 30 l 100.000, s t vong trong tui 30 l 100 ngi, ta c:T l t vong tui 30: 100/100.000 = 0,001T l sng tui 30: (100.000 -100)/100.000 = 0,999T l t vong + t l sng = 1 *www.sachdoanhtri.blogspot.com


Li sut trong BHNTK: Tin gcn: thi k u ti: li sut thcI: S li thu c trong thi k u tS: Tin gc & li vo cui thi k u t


ISLi nLi kp


Gi tr hin ti, gi tr o hn, gi tr gii cGi tr hin ti: gi tr cn u t ti thi im hin tiGi tr o hn: gi tr thu c ti mt thi im trong tng laiGi tr gii c: gi tr ti thi im hu b hp ng*0Gi tr hin tiGi tr o hnGi tr gii cHy b Hwww.sachdoanhtri.blogspot.com


V dMt khch hng A tui 30, k hp ng BHNT hn hp c chia li cho con l b tui 12 vi cng ty BHNT PrudentialS tin BH 150.000.000Thi gian 12 nmPh BH np hng nm 12.320.000*www.sachdoanhtri.blogspot.com


Tng ph BH la chn k np*www.sachdoanhtri.blogspot.com

Nm 6 thng 3 thngHng thng12.320.0006.431.0003.301.8001.133.400


Minh ho v quyn li bo him*www.sachdoanhtri.blogspot.com

NmTuiPh BH nmSTBHBo tc tch luTng STBH v BTTLGi tr gii c12345678910111211121314151617181920212212.320.00012.320.00012.320.00012.320.00012.320.00012.320.00012.320.00012.320.00012.320.00012.320.00012.320.00012.320.000150.000.000150.000.000150.000.000150.000.000150.000.000150.000.000150.000.000150.000.000150.000.000150.000.000150.000.000150.000.0003.000.0006.060.0009.181.20012.364.82415.612.12018.924.36222.302.85025.748.90729.263.88532.849.16236.506.14640.236.269-4.611.28117.900.17132.141.03847.404.53163.768.31081.315.176100.135.721120.328.366141.999.276165.261.313190.236.269


Ph bo himPh ton phn = Ph thun + Ph ph (Ph hot ng)Ph thun: c xc nh theo nguyn l cn bng (s thu = s chi). S chi ch bao gm tin bo him t vong hoc ht hn hp ng m khng bao gm cc khon chi khcCc gi nh: T l t vong c xc nhLi sut xc nhCch tnh tui ph hp vi tui ca bng t l t vongTin bo him t vong tr vo cui nm hp ngKhng c trng hp hu b hp ng v hp ng mt hiu lc*www.sachdoanhtri.blogspot.com


Mt s loi ph thunPh thun np 1 ln trong bo him t vong c k hn xc nh: Ph np 1 ln, STBH tr mt ln khi ngi c BH cht trong thi hn BHPh thun np hng nm trong bo him t vong c k hn xc nh: Ph np hng nm, STBH tr mt ln khi ngi c BH cht trong thi hn BHPh thun np 1 ln trong bo him nhn th trn i: Ph np 1 ln khi k kt hp ng, STBH tr mt ln khi t vong



Ph thun np hng nm trong bo him nhn th trn i: Ph np hng nm trong mt thi hn nht nh, STBH tr mt ln khi t vongPh thun np 1 ln trong bo him nhn th hn hp: Ph np 1 ln khi k kt hp ng, STBH tr mt ln khi ht hn hp ng khi ngi c BH cn sng hoc khi ngi c BH t vong trong thi hn BHPh thun np nh k trong bo him nhn th hn hp: Ph np nh k, STBH tr mt ln khi ht hn hp ng khi ngi c BH cn sng hoc khi ngi c BH t vong trong thi hn BH



V d*www.sachdoanhtri.blogspot.com

Tui(x) S sng (lx) S t vong (dx) T l sinh tn (Px) T l t vong (qx) 414243444546474849505197.984 97.867 97.742 97.608 97.465 97.311 97.147 96.969 96.776 96.568 96.343 1171251341431541641781932082250,99881


Yu cu:Lp bng t l t vong theo s liu thng k.Tnh ph thun np mt ln cho bo him t vong thi hn 5 nm tui 4. S tin bo him l 20.000.000 VND. Li sut 7% mt nm.Tnh ph bo him np hng nm trong bo him t vong thi hn nm tui 4. S tin bo him 20.000.000 VND. Li sut 7% mt nm, ph ph chim 20% ph bo him.

*Np 1 ln trong BH t vongNp hng nm trong BH t vongwww.sachdoanhtri.blogspot.com


Tnh ph thun np mt ln cho bo him hn hp thi hn 5 nm tui 4. S tin bo him l 20.000.000 VND. Li sut 7% mt nmTnh ph thun np hng nm cho bo him hn hp thi hn 5 nm tui 4. S tin bo him l 20.000.000 VND. Li sut 7% mt nm*www.sachdoanhtri.blogspot.com


BH ngn hn: thi gian tham gia BH di 1 nm (BH tai nn HK, )BH di hn: thi gian tham gia BH trn 1 nm cho n ht i (BH nhn th 5 nm, 10 nm)BH bt buc: l hnh thc BH m PL bt buc cc i tng phi tham gia (BH tai nn HK)BH t nguyn: ty theo nhu cuBH theo k thut phn chia: cch qun l cc khon thu chi ca 1 bn HBH ngn hn (VD: BH tai nn, m au,)BH theo k thut tn tch: BH nhn th, BH hu trBH phi nhn th: khng lin quan n tui th ca con ngi BH nhn th (trong trng hp sng: BH hu tr; trong trng hp t vong: BH t k, BHNT trn i; hn hp: BHNT 5 nm)

*KN: Cty BH s chi tr STBH cho ngi c BH (hay ngi c hng quyn li BH) khi ngi c BH b tai nn thuc phm vi c BH*T l ph : Theo Quyt nh s 590/TC/BH (16/8/1993) BTC Gii hn trch nhim T l ph bo him/nm T 10.000.000VN n 20.000.000VN 0,28% Trn 20.000.000VN n 50.000.000VN 0,42% Trn 50.000.000VN n 70.000.000VN 0,56% Trn 70.000.000VN n 100.000.000VN 0,75%*Ci: S tin chi tr cho nhng HK b cht nm ITi: S tin chi tr cho nhng HK phi iu tr, phu thut nm ILij: di qung ng j nm IKij: S HK i trn qung ng j nm In: S nm kho stm: S qung ng ca tng loi hnh giao thng*BH cho kh nng cht xy ra trong thi gian quy nh c th trong H. Nu ci cht khng xy ra trong thi hn th vic thanh ton khng c thc hin v ngi c BH khng nhn c bt k khon tin no t ph ng*BH t k c nh: L loi hnh c bn nht v r nht ca bo him t k bi v ph bo him gi nguyn trong sut thi hn ca n bo him, cng ty bo him nhn th (cty BHNT) cam kt tr tin BH nu ngi c bo him (NBH) cht trc ngy ht hn hp ng. Khi n ngy ht hn, n bo him ng nhin khng cn gi tr. c im chnh ca loi hnh ny nh sau: -Ph bo him thp;(premiums are low) -Bo him cho mt khong thi gian c th;(cover is for a special period) -Ph bo him v s tin bo him c nh; (premiums and sum assured are fixed; -Khng c gi tr tin mt hoc gi tr hon li (there is no surrender or cash in value) -n bo him ny s mt hiu lc sau ngy n hn m khng np ph bo him (the policy will lapse after the days of grace if the premiums are unpaid) Li ch ch yu ca hp ng ny dng hon tr cc khon n tn ng trong trng hp t vong.BH t k c th ti tc: loi hnh bo him t k ny khc ch hp ng c th ti tc theo s la chn ca NBh vo ngy kt thc hp ng m khng cn cung cp thm bng chng no v tnh trng sc kho. Gii hn v tui la chn c th ti a l 65. Vo thi im ti tc, ph bo him c tng ln c tnh n tui ca ngi c bo him v c s la chn ti tc khi kt thc hp ng. Cc c im chnh ca loi hnh ny nh sau: -Thi hn ca H c th c gia hn m khng cncung cp thm bng chng v tnh trng sc khe; -n bo him c th c hu b hoc ti tc khi kt thc; -Ph bo him s tng cng vi tui ca NBH ti thi im ti tc.Bo him t k c th chuyn i. y l hnh thc BH t k c nh cho php NBh la chn chuyn i mt phn hay ton b n bo him thnh mt n bo him nhn th trng sinh hay bo him nhn th hn hp ti bt k thi im no trong thi hn bo him. Ph bo him s c tnh da trn n bo him nhn th hn hp mi, theo tui ca NBH. Loi n bo him ny c th c s dng nh mt s bo chng cho khon tin vay v vic la chn chuyn i to kh nng s dng hp ng ny thc hin yu t tit kim trong tng lai. *5. Bo him t k gim dn: Loi n bo him ny c s tin bo him gim hng nm theo quy nh trong hp ng. Mt s im ch : -ph bo him gi mc c nh, -Thi hn np ph bt buc c th ngn hn ton b thi hn ca n bo him trnh vic hy n bo him khi s tin bo him qu nhiu. -Ph bo him c th thp hn ph bo him t k mc c nh hoc c tr trong khong thi gian gim dn, Loi n bo him ny thng c s dng bo him cho mt khon n gim dn v d nh khon tin n gc cn n trong vic mua nh tr gp khi s tin bo him c th gim cng t l vi khon tin n cn li. 6. Bo him t k tng dn: Loi bo him ny c thit k i ph vi nh hng ca lm pht, lm gim s tin bo him thc ca hp ng khi gi tr ca ng tin b st gi trong mt khon thi gian. Hp ng c th c thc hin bng cch hoc tns s tin bo him hng nm theo t l %, hoc a ra cc loi n bo him ngn hn c th c5 ti tc vi s tin bo him tng. c im: -S tin bo him c th tng trong thi hn ca hp ng khng cn bng chng v sc kho; -Ph bo him s tng cng vi s tin bo him, -Ph bo him s da trn tui vo lc ti tc, -Ph bo him ban u cao hn ph bo him ca bo him t k c nh, -Bo him thng c tip tc ti tui 60-65, Hin nay, loi hnh bo him ny ang gp kh khn v c s nh hng v gia tng ca bnh HIV v AISD **Gi tr gii c = D phng ph Ph gii c**Sb: S tin BHlx: S ngi sng tui x tham gia BHi: LS k thutn: thi hn BHd(x+j-1): S ngi cht tui (x+j-1) n (x+j)*

bh con nguoi

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