BT trn lp thy C Wd8042 1.Ri ro.....................................................................................................................................1 2.Cc loi ri ro........................................................................................................................1 3.n BH xy dng.................................................................................................................2 4.iu kin BH A.....................................................................................................................2 5.

iu kin BH C.....................................................................................................................3 6.n BH sinh k......................................................................................................................4 7.Bi kim tra...........................................................................................................................5

1.Ri ro
All risk chains include hazads and perils. It is important to understand the distinction among hazard, perils and risk as many people are confused by these terms but in fact the succinct meaning of each is very different. hazard are states or conditions that increase the possibility of a peril from happening. A peril is an risk event possibility that may lead to any particular unfavorable final outcome if a peril is incurred the risk of a particular negative outcome is increased. For example a wet floor is a hazard that may lead to the peril of a fall which may lead to the ultimate risk of a broken arm. The process of risk management is a systematic plan to identify risks, evaluate the risks and to decide ultimately how to treat the risk. Risk should be identified by formal methods such as risk questionnaires which ask basic information about the risk such as size of risk, amount of value at risk, type of structure, previous claim information,... Avoidance involves not participating in certain activities that involve risk. For examples, the risk of a loss of investing in the stock market can be avoided by not buying the fact remains that not all risks can be avoided and even where they can be avoided it is often not desirable. Loss control works by both loss prevention, which involves reducing the probability of risk such as keeping a manufacturing facility clean and orderly, or loss redution, which minimizes the loss should the loss occur such as the use of a sprinkler system. Insurance is one major method that most people, businesses, and other organizations can use to transfer certain risks. By using the law of lafge numbers, an insurance vompany can estimate fairly rellably the amount of loss for a given number of customers. An insurance company can pay for losses because it pools and invests the premiums of many subscribers (customers) to pay the few who will have significant losses.

2.Cc loi ri ro
In contrast to financial risk, non financial risk is the situation in which the outcome is not measurable in monetary terms. Examples of non-financial risks are choosing a spouse or deciding whether to leave ones hometown to live. Spaculaftive risk is situation in which either gain or loss is possible. Examples of dynamic are betting on a horse raca, investing in stocks, bonds anh real estate. In these situations, both gains and losses are possible.

BT trn lp thy C Wd8042 For a risk to be insurable it must meets certain conditions as follows: - There must be an insurable interest in the object or person being insured. - There must be a large number of similar risks being insured. - Any losses occurring must be accidental. - It must be possible to calculate the risk of a loss occurring. In contrast to speculative risk involves possibility of loss only or at best a no gain situation. The only outcome of pure risks are adverse (in a loss situation) or neutral (with no loss), never beneficial. A pure risk does not include the possibility of gain. Paticular risks are risks that affect only a single or ralatively few individual, not the entire community. Fundemetal affect the entire economy or large numbers of people or groups. Examples ot fundametal risks are high inflation, unemployment, war and natural disasters, A financial risk is the situation in which the outcome must be capable of measurement in monetary terms.

3.n BH xy dng
Construction insurance policy Policy section Section 1: Material damage Insures against physical damage to property Section 2: Liability Insures against damage to property of personal to third parties arising from construction activities Period of insurance The period of the insurance policy follows the period of the construction contract - The material section of a the policy extends through the construction and maintenance periods of a project - Third party liability extends through the construction and maintenance periods - Advanced consequential loss extends through the construction period only Construction insurance policy Period of insurance The construction policy protects the insured in two distinct areas of the construction phase: - The construction period + during the construction period + testing period - The maintenance period + begins at the end of the construction period and extends for a period after this

4.iu kin BH A
Exclusion

BT trn lp thy C Wd8042 4.In no case shall this insurance cover 4.1.Loss damage or expense attributable to wilful misconduct of the Assured Tn tht, thit hi hay chi ph do li c ca ngi c BH 4.2.Ordinary leakage, ordinary loss in weight or volume or ordinary wear and tear of the subject-matter insured R r thng thng, tn tht thng thng v khi lng hoc th tch hay nhng tn tht rch v thng thng ca i tng BH 4.3.Loss damage or expense caused by insufficiency or unsuitability of packing or preparation of the subject-matter insured (for the purpose of this Clause 4.3 packing shall be deemed to include stowage in a container or liftvan but only when such stowage is carried out prior to attachment of this insurance or by the Assured or their servants) Tn tht, thit hi hay chi ph do vic ng gi hoc chun b i st]ngj BH khng thch hp, khng y (vi mc ch ca iu 4.3 ny c hiu l bao gm c vic xp hng vo ni cha hng hoc xe ch hng nhng ch khi c lm bi ngi BH hoc nhn vin ca h hay trc khi hp ng BH ny c hiu lc) 4.4.Loss damage or expense caused by inherent vice or nature of the subject-matter insured Tn tht, thit hi hay chi ph do n t hoc ni t ca i tng BH 4.5.Loss damage or expense proximately caused by delay, even though the delay be caused by a risk insured against Tn tht, thit hi hay chi ph pht sinh do chm ch, ngay c khi s chm ch ny do ri ro c BH gy ra 4.6.Loss damage or expense arising from insolvency or financial default of the owners managers charterers or operators of the vessel Tn tht, thit hi hay chi ph pht sinh t li ca ngi ch tu, ngi qun l tu, ngi thu tu, ngi vn hnh tu khng kh nng thanh ton hay thng th v ti chnh 4.7.Loss damage or expense arising from the use of any weapon of war employing atomic or nuclear fission and/or fusion or other like reaction or radioactive force or matter Tn tht, thit hi hay chi ph pht sinh t vic s dng bt k v kh tng hp hay phn r ht nhn nguyn t hay v kh khc nh nhng vt c phng x hoc phn ng vt l

5.iu kin BH C

BT trn lp thy C Wd8042 1.This insurance covers iu khon BH ny bao gm cc trng hp: 1.1.Loss of or damage to the subject-matter insured reasonably attributable to Tn tht, thit hi ca i tng BH c th quy hp l cho: 1.1.1.Fire or explosion Chy hoc n 1.1.2.Vessel or craft being stranded grounded sunk or capsized Tu hay x lan b mc cn, chm hoc lt p 1.1.3.overtuning or derailment of land conveyance Phng tin vn chuyn trn b b hoc trt bnh 1.1.4.collision or contact of vessel craft or conveyance with any external object other than water Tu, x lan m, va vi vt th khc (ngoi) khng phi l nc 1.1.5.discharge of cargo at a port of distress Bc d hng ti cng c nguy him 1.1.6.earthquake volcanic eruption or lightning ng t, ni la phun hoc st nh 1.2.Loss of or damage to the subject-matter insured caused by Tn tht, thit hi ca i tng BH c nguyn nhn bi: 1.2.1.general average sacrifice Hy sinh tn tht chung 1.2.2.jettison or washing overboard Nm hng xung bin 1.2.3.entry of sea lake or river water into vessel craft hold conveyance container liftvan or place of storage Nc sng, bin, h trn vo tu, x lan, phng tin vn chuyn, container, xe ch hng hoc kho cha hng 1.3.Total loss of any package lost overboard or dropped whilst loading on to, or unloading from, vessel or craft Tn tht ton b ca nhng hng ha ri ra khi (lan can) tu hoc ri trong khi ang xp, d hng khi tu, x lan

6.n BH sinh k
The main features endowment policies are:

BT trn lp thy C Wd8042 - The sum insured (STBH) is payable on a fixed maturity date (thi im o hn) or on the life insureds death if earlier; - It is a stand alone contract (HBH c lp) which has a surrender value (STBH tr li, gi tr gii c, hon li); - Level premiums (bnh qun PBH) are payable throughout A pure endowment does not provide any life cover it is a simple contract which pays out the maturity value at the date specified if the life insured is alive (tr tin vo thi im o hn nh trc nu ngi c BH cn sng). If the life insured dies before the maturity date, there is no pay out, although some offices (1 s cng ty) will return the premium (hon ph) if this occurs. These are very rare contracts because there are a number of other pure investment opportunities (c nhiu c hi u t thun ty) that will compete with pure endowments (cnh tranh vi BH sinh k thun ty). A contingent life insurance is a type of insurance where payment is only made on the death of the life insured (chi tr trong trng hp ngi c BH cht) if a certain other condition (the contingency) is also fulfilled. The usual condition is that the life insured must die diring the lifetime of another person (the counter-life(ngi i tch)). For example, if a policy was taken out on the life of a husband, with his wife the counter-life, the policy would pay out on the death of the husband only if his wife was still living. Premiums depend on the age, sex and health of the life insured and the counter-life. Many life offices have a number of bolt-on options which can be added to their standard policies. Usually they are available on whole life or endowment policies only. Immediate annuity is the simplest form of annuity, comprising: - A single premium; in return for (i li) - Annual payments for the rest of the annuitants life (thi gian sng cn li ca ngi nhn nin kim). Surrender value is a sum of money which the life office is prepared to pay to an insured who does not, for whatever reason, wish to continue his life policy.

7.Bi kim tra

As we have just seen, term insurance is the most basic form of the life policy covering a specified period of time. There are however a number of variations to this type of contract. Level term insurance is the simplest form of term insurance and the cheapest. The life office undertakes to pay the sum insured if the life insured dies before the expiry date of the contract. When the expiry date has been reached the policy has no value. Renewable term insurance differs in that the contract may be renewed at the option of the insured at the date of the termination, without further evidence of health being required. There may be a maximum age limit of perhaps age 65 for this option to be available. Convertible term insurance is a form of level term insurance which allows the insured the option of converting all or part of the policy to a whole life or endowment policy at any time during its existence. The premium will be calculated on the basis of a new whole life or endowment policy for a person of the life insureds age. Decreasing term insurance has a sum insured which reduce by a stated amount each year, to nil at the end of the term.

BT trn lp thy C Wd8042 Increasing term insurance has been introduced to counter the effects of inflation, which reduce the real amount of cover as the value of money depreciates over the period of time. This may be done either by increasing the sum insured by a set percentage each year, or offering short term policies which can be renewed for an increased amount. There are two important features of a whole life policy: - The policy will pay out the sum insured when the life insured dies; - Premium are higher than for term insurance because of the certainty of a claim in due course.