THUC nEN PHAP LUAT
NGHiA VU CUNG CAP THONG TIN CUA BEN MUA BAO HIEM T R O N G H p ' p D O N G BAO H I E M N H A N T H O
Nguyen Thi Thuy*
Lg Thuy Tien**
* PGS.TS. Giang vien cao cap, Tru'dng Oai hpc LuatTp. HCM.
* * Cong ty Luat Lexcomm Vietnam - LLC.
Thong tin bai viet:
Tic khoa: Cimg cap thong tin, doi tui?ng bao hiem, ben mua bao hiem, hap dong bao hiem nhan tho.
Lich sic bdi viet:
Nhan bai • 28/02/2020 Bien tap : 02/03/2020 Duyet bai : 05/03/2020
Tom tat:
Hop dong bao hiSm nhan ttio la hap dfing chiia dung nhieu dieu khoan kho hi6u do co nhiSu thuat ngu chuyen mon; doi tuong bao hiem la rui ro, la yeu to triiu tirgng; san pham bao hiSm dugc thiet ke bang cau chii (quy tac, dieu khoan bao hiem). De giiip cho bSn mua bao hiim hi6u dugc nghia vy cung cap thong tin khi tham gia hgp d6ng bao hiSm nhin tho, tranh tranh chip va tranh vi?c ngucri mua bao hiem phai ganh chiu nhiing hau qua phap ly bat lgi do thieu am hieu ve hgp dong bao hiem nhan thg, bai viit nay phan tich cac quy dinh ciia phap luat ve nghia vu cung cap thdng tin cua ngudi mua bao hiem va dixa ra mot so kiin nghi nhim hoan thi$n quy dinh cua phap luat vS ngi dung nay.
Article Infomation:
Keywords: Information provision, insurance subjects, insurance buyers, life msurance contracts.
Article History:
Received Edited Approved
: 28 Feb. 2020 : 02 Mar. 2020 : 05 Mar. 2020
Abstract:
Life insurance contract is a contract consisting of several contusing terms because of a series of specialized terminologies;
the insurance subject is the risk - an abstract one; the insurance products are designed in words and texts (rules, insurance terms). This article provides analysis of the legal provisions on the buyer's obligations to provide information of insurance to help the buyers understanding the obligations when entering in a life insurance contract, avoiding unexpected disputes and the losses of the legal consequences by misunderstandings of the life insurance contract. It also provides a number of recommendations for further improvements of the legal provisions on the mentioned sector.
1. Quy dinh cua phap lu^t v^ nghia vu cung cdp thong tin cua ben mua bao hiem lUii giao k6t hop dong
Trong giai doan giao ket hap dong bao hiSm nhan thp (HDBHNT), ben mua bao 44 K ' P H A J _ /S6 5,405,-T3,2020
hiSm (BMBH) se phai cung cap kha nhiSu thong tin v^ nhan than nhu tu6i tac, tinh trang siic khoe, dieu kien tai chinh, gia dinh... cho doanh nghiep bao hiem (DNBH).
Ben canh do, cac thong tin ma BMBH se anh
hudng din quySt dinh ehdp nhgn yeu cdu tham gia bdo hiim eiia BMBH vd dinh gia phi bao hilm eua DNBH ciing nhu cac quydt dinh vl sau ndy eua DNBH khi xdy ra su kien bdo hiem.
Diim b khodn 2 Diiu 18 Lu^t Kinh doanh bdo hiim ndm 2000, da duac sua dii, bd sung ndm 2010 (Ludt KDBH) quy dinh, BMBH cd nghia vy "ki khai day du, trung thuc mpi chi tiet cd liin quan den hpp ddng bdo hiim theo yeu cdu ciia doanh nghiep bdo hiim"; khodn 1 Diiu 19 Ludt KDBH quy dinh: "Khi giao kit hap ddng bdo hiim, ... BMBH cd trdch nhiim cung cdp ddy du thdng tin liin quan din ddi tuang bdo hiem cho doanh nghiep bdo hiim. Cdc bin chiu trdch nhiim vi tinh chinh xdc, trung thuc cua thdng tin do". Qua nhung quy dinh ndy cho thdy, nghia vu cung cap thong tin ctia BMBH Id nghia vy bat bupc.
Khde vdi cae loai hop ddng khac, doi tuong cua HDBHNT la tmh mang, tudi tho cua con ngudi - la nhung thii vo hmh, khdng thi dinh luorng bang mdt thudng hay nhirng phuong phap dinh gid thong thudng. Bdn chdt cua BHNT la su di danh quyin lgi tai chinh cua ngudi mua bdo hiem bang viec chuyin giao nhiing nii ro lien quan den ttnh mang, tudi tho cua ngudi dupe bdo hiem sang DNBH. Nhiing rui ro ndy la nhiing nii ro se hinh thdnh trong tuong lai, chua tdn tai tai thdi diim giao kit hop ding. Do do, nhiing thong tin md BMBH cung cdp se giiip cho DNBH xac dinh dupe pham vi trdch nhi$m cua DNBH dii vdi BMBH vd vi vay, nhung thong tin ndy doi hdi phdi mang tinh trung thuc vd day du. Dua vdo nhiing thong tm md BMBH cung cdp, DNBH se dy dodn
THUC TIEN PHAP LUAT nii ro, tii do quyet dinh co chdp nhan hay khdng chdp nhan bdo hiem.
Ngoai ra, nghia vy cung cap thdng tin ciia BMBH eon duoc quy dinh tai B6 quy tdc dieu khodn bdo hiem nhan thp mdu 2009'.
Hien nay, da so cdng ty bao hiem nhan tho (BHNT) su dyng hinh thiic cung edp thdng tin thong qua bdng cdu hoi. Khi BMBH nop ho so tham gia hpp dong BHNT, dai dien DNBH hay dai ly bdo hiem se yeu cdu BMBH vd ngudi dupe bao hiem (NDBH) trd ldi trung thyc cdc thong tin lien quan vdo td khai thong tin cd nhan. Trong do, da so cac cdu hoi se dupe trd ldi dudi dang "c6/kh6ng"; neu cdu trd ldi Id cd thi ngudi cung cdp thdng tin duoc yeu cdu mo td chi tiet ve thong tin do. Cdc thong tin trong cau hoi se bao gom nhung thdng tin nhu tadi, nghi nghiSp, dia chi, thu nhdp cd nhan, tinh trang sue khoe eua bdn thdn vd tinh trang sue khoe cua nhiing ngudi thdn trong gia dinh ciia NDBH.
Thong tin md DNBH yeu cdu BMBH va NDBH eung cdp co thi chia ldm ba nhdm chinh sau: thong tm vi nhan than; thdng tin vi siic khoe; cdc thong tin lien quan khac.
Trong do, thong tin vi siic khoe Id nhom thong tin ma BMBH co khd nang sai sdt cao nhdt vd ciing la nhom thong tm thudng xuyen dupe cdc DNBH sii dyng ldm ly do tii choi thanh toan quyin lpi bao hiem cho BMBH.
Ben canh do, hdu hit cdc thong tm ina BMBH vd NDBH cung cdp cho DNBH diu Id cac thong tin ca nhan ciia NDBH. Vi vay, DNBH CO nghia vy phdi bao mat cdc thong tin ciia BMBH; khong dupe tiit 16 cac thong tin cho ben thii ba tru khi co su chdp thudn
1 Xem TS. Nguyln Thi Thuy (2017), "Phap luat hop d6ng bao hiim con ngucri", sach chuyen khao, Nxb.
H6ngDiic,tr.36-37.
2 Xem Muc 6 Bg quy tac dieu khoan bao hiSm nhan thg mau nam 2009.
V NGHllN CUU I ftC So 5(405) - T3/2020 V ^ fj^p p H A P ^ ^
THUC TIEN PHAP LUAT
bdng van bdn ciia BMBH (hij: cdc trudng hpp cdc thong tin duac dua cho ben thii ba nham thdm dinh, kiim tta). N i u BMBH phdt hien v i su vi pham cua DNBH, BMBH c6 quyin khdi kien DNBH theo quy dinh ciia phdp ludt.
Quy dinh cua phdp luat v i nghia vu cung cap thong tin cua ben mua bao Iiiem trong qud trinh thuc liif n hop dong bao hiem
Sau khi DNBH vd BMBH ky k i t hpp d i n g BHNT thi cd hai ben chii thi se thyc hien hpp d i n g . Hpp ddng BHNT la hop d i n g theo mdu, BMBH khong dupe thay doi cac thdng tin ttong bp quy tdc va dieu khodn.
Tuy nhien, d i i vdi cac thong tin raa BMBH da cung cdp thi BMBH vdn co quyin thay ddi ttong thdi gian thye hien hpp dong neu cam thdy cdc thong tm do da khdng con phu hpp. Diiu ndy cho thdy nghia vy eung cap thdng tin eua BMBH van con tiep tyc ttong qud trinh thuc hien hpp dong BHNT.
Luat KDBH cho phep BMBH thay doi cdc thong tin ma minh da cung cdp ttong hpp ddng tai qua trinh giao ket hpp dong. Ngodi ra, doi vdi cac trudng hpp ma su thay doi eiia NDBH dnh hudng den muc dp nii ro duac bdo hiim thi BMBH vd NDBH c6 nghia vy phdi thong bdo sy thay doi cho DNBH de dua ra phuong an phu hpp cho HDBHNT ciia ngudi do. Dieu 22 Ludt Ludt KDBH quy dinh:
"1. Khi cd su thay ddi nhieng yiu td ldm ca s& de tinh phi bdo hiim, ddn din gidm cdc rui ro dupe bdo hiim thi bin mua bdo hiim cd quyen yeu cdu doanh nghiep bdo hiim gidm phi bdo hiim cho th&i gian cdn lgi cua hap ddng bdo hiim. Trong tru&ng hap doanh nghiep bdo hiim khdng chdp nhdn gidm phi bdo hiim thi bin mua bdo hiim cd quyen dan phuang dinh chi thuc hien hpp ddng bdo hiem, nhung phdi thdng bdo ngay bdng vdn bdn cho doanh nghiep bdo hiim.
fjfi I NGHllN CUU rz W L ^ p P H A P / S 6 5{405)-T3/2020
2. Khi CO su may aoi nnungyeu TO tarn ca sd di tinh phi bdo hiim, ddn din tdng cdc riii ro duac bdo hiim thi doanh nghiep bdo hiem cd quyin tinh lgi phi bdo hiim cho thai gian cdn lgi cua hcrp ddng bdo hiim. Trong tru&ng hap bin mua bdo hiem khong chdp nhdn tdng phi bdo hiim thi doanh nghiep bdo hiem cd quyin dan phuang dinh chi thuc hiin hpp ddng bdo hiim, nhung phdi thdng bdo ngay bang vdn bdn cho bin mua bdo hiim ".
N h u vdy, co the thdy rang, BMBH co nghia vy cung cdp eac thay doi ve thong tin cua nhiing y i u td lam co sd tinh phi bao hiim. Tuy nhien, phap l u | t v i kinh doanh bdo hiim h i | n nay chua quy dinh cy th§ ve nhiing y i u td lam co sd de tinh phi bao hiem.
Vi vdy, DNBH da dua cdc yeu cdu doi vdi nhiing thay ddi ttong hpp d i n g BHNT vao Bp quy tac vd diiu khodn eiia DNBH. Vi d\i, D i i u 8 ciia Bg quy tdc vd dieu khodn bao hiim nhdn thp m l u 2009 quy dinh v i nhiing thay ddi ttong hpp d i n g BHNT nhu sau:
"8.1 Thay ddi nguai thu hudng Trong thai gian hap ddng bdo hiim co hiiu lire vd ngu&i duac bdo hiim cdn song, bin mua bdo hiem cd thi chi dinh hogc yiu cdu thay ddi ngu&i thu hudng cua hap ddng bdo hiim bang cdch thdng bdo bdng vdn bdn din doanh nghiep bdo hiim. Viic chi dinh hodc thay ddi ndy chi cd hieu l{cc khi doanh nghiep bdo hiem cd vdn bdn chap thudn hodc xdc nhgn viec thay ddi do.
8.2 Cdc ndi dung thay ddi khde Doanh nghiep bdo hiem quy dinh cu the vi viic thay ddi dia chi cua doanh nghiep bdo hiim, ben mua bdo hiim. dinh ky ddng phi, sd tien bdo hiem (tdng gidm so tiin bdo hiem) vd cdc ndi dung thay ddi khac cua hop ddng bdo hiem, dieu khodn vi chuyin nhupng hpp ddng bdo hiem, dieu khodn vi bin mua bdo hiem du phdng".
Mac du, mdi DNBH co quy djnh rieng vi diiu kien thay doi ttong HDBH, nhung nhin chung, nhiing thay ddi sau day thudng dupe chap nh$n:
Thie nhdt, thay ddi sd tien bdo hiem:
DNBH cho phep BMBH dupe thay dii s6 tiin bao hiem sau khi da ky ket hpp ding. Vi vdy, can cii vao khd nang tai ehinh cua cd nhdn, BMBH co the yeu cdu thay doi sd tien bao hiem cao hon hodc thdp hon miic bdo hiem da ddng. Tuy nhien, doi vdi yeu cdu tang so tien bdo hiem, DNBH se thdm dinh lai ho so cua BMBH vd dy dodn lai cac rui ro CO the xay ra ttong tuang lai dii vdi ngudi dong bdo hiim (NDBH).
Thie hai, thay ddi tudi cua NDBH: Theo quy dinh cua Dieu 6 Thong tu lien tich si 01/2011/TTLT-VKSTC-TANDTC-BCA- BTP-BLDTBXH, niu mpt ngudi khdng biit dupe ngdy thdng sinh chinh xac cua minh ma chi biet nam sinh thi tadi ciia hp se duac tinh vdo ngay 1 thang 1 cua nam d6. Tuy nhien, neu ngudi dd tim dupe cdc giay td chiing minh dupe ngdy thang nam sinh cua ngudi do thi hp phdi cap nhdt lai trong HDBHNT. Vi vdy, trudng hpp tudi ciia NDBH thay ddi so vdi tail khai tai thdi diim giao ket hpp dong, BMBH cd nghia vu cung cap thong tin ve su thay doi do.
Thu ba, thay ddi nai cu tru cua NDBH:
Neu NDBH thay dii noi cu tni hoac khdng cdn cu tni tai Viet Nam thi BMBH hoac NDBH cd nghia vy thong bao ve su thay ddi nay cho DNBH. Trong trudng hgrp ndy, DNBH c6 the dua ra cac quyet dinh sau: tiep tyc duy tri hpp ddng bdo hiem vd giii nguyen miic phi bdo hiem nhu cu, hoac tiip tuc duy tri hop ddng vdi miic phi bdo hiem tdng tuang ling vdi nii ro phdt sinh hoac chdm dut
THUC TIEN P H A P LUAT hpp dong bao hiem vd tta lai gid tti hodn lai sau khi tni cac chi phi lien quan.
Thu tu, thay ddi nghi nghiep cua NDBH: NDBH c6 nghia vu thong bao vi sy thay doi ndy di DNBH eo thi dua ra dupe quyet dinh phii hop vdi su thay dii eiia NDBH.
Thu ndm, thay ddi giai tinh: Bp luat Ddn sy ndm 2015 da cho phep ngudi chuyen gidi dupe chuyen doi gidi tinh vd co quyen nhdn than phu hgp vdi giai tinh da dupe chuyin ddi^ Doi vdi viec mgt ngudi thay doi gidi tinh so vdi gidi tinh liic tham gia ky kit hgp dong thi ngudi do co nghia vu phdi thong bdo cho DNBH biit di DNBH tiin hdnh xdc dinh lai cdc nii ro vi ciing mpt dp taoi thi nii ro giiia ngudi nam va ngudi nii se khac nhau. Vi vdy, viec thong bdo ve thay ddi gidi tinh ciia NDBH rdt quan ttgng doi vdi DNBH ttong viec thdm dinh lai ho so va du doan cac rui ro se hinh thanh doi vdi NDBH.
Thu sdu, thay ddi cdc thdi quen sinh hogt cua NDBH: Viec thay doi cdc thoi quen sinh hoat nhu udng ruau, bia, hiit thudc Id hay tham gia nhung mon the thao mao hiem nhu leo mii, nhdy du se lam gidm siic khoe cua NDBH va ddng thdi lara gia tang rui ro dii vdi NDBH. Chinh vi le do, khi cd nhirng thay ddi nay, NDBH cdn thong bao kip thdi di DNBH tiin hdnh danh gia lai rui ro vd c6 thi tiip tyc bdo hiim vdi cdc dieu kien khdng ddi hoac tang phi bao hiim rui ro hoac chdm dut hgp dong.
Thic bdy. thay ddi vi benh ly: Sinh lao benh tu la diiu md con ngudi khong thi ttdnh khoi, viec NDBH sau khi tham gia bdo hiim mdi mdc benh cdn dieu tri Id dieu c6 thi xdy ra. Vi vdy, nham trdnh viec vi pham nghia vy cung cdp thong tin thi BMBH cdn
3 Xem Dieu 37 BLDS 2015.
, NGHieN Cim I 1(7 So 5(405) - T3/2020\_ ^ ^ p p | | A P ^ '
THUC TIEN PHAP LUAT
thdng bdo ve tinh ttang thay ddi b6nh ly cua NDBH cho DNBH. Ngodi ra, viec thay doi tinh ttang siic khoe ciia NDBH con co the anh hudng den phi bdo hiem ciia hop ding BHNT nen BMBH cdn thdng bao kip thdi di DNBH cd thi dua ra quyit dinh vi phi bdo hiem.
Quy dinh cua phap luat ve nghia vy cung c4p thong tin cua ben mua b^o hilm khi su Iden bao hilm xay ra
Sau khi giao kit hpp ding, BMBH se thuc hi?n nghia vu ciia minh la dong phi bdo hiim di duy tti hop ding BHNT. Khi su kien bdo hiim xdy ra, BMBH se tiin hdnh thdng bdo cho NDBH di DNBH thuc hi$n nghia vu chi ttd so tien bdo hiim ddi vdi cac nii ro md BMBH phdi gdnh chiu. Tuy nhien, nghia vy cung cdp thong tin cua BMBH khong chi dimg lai d giai doan thdng bdo cho DNBH ma BMBH cdn phdi thuc hien cung cdp eac thdng tin va giay td lien quan theo yeu cdu ciia DNBH.
Hien nay, Ludt Kinh doanh bdo hiim ciing nhu cae van bdn phdp luat lien quan khong quy dinh ve cac thong tin hay nhiing loai giay td nao md BMBH cdn phdi cung cdp cho DNBH khi su kien bao hiera xdy ra.
Tuy nhien, BHNT la mpt ITnh vuc ddc thu nen eac thong tin raa cac cdng ty BHNT yeu cdu khach hang cung cdp khi xay ra su kien bdo hiem la tuang doi giong nhau. Vi dy, trudng hgp NDBH gap tai nan, DNBH se yeu cdu BMBH cung cap cac chiing tir: bien bdn vu viec do cong an lap, gidy nhap vien (neu c6) vd cdc hod don nam vien. Trong trudng hgp NDBH tu vong, BMBH cdn cung edp ttich lyc khai tii, cdc chiing tii y te, bien bdn su viee dan den tCf vong, hg khdu da cat cua NDBH. Ben canh d6, doi vdi cac tnidng hgp ndm vien, DNBH se yeu cau BMBH cung cap cdc hod dan, chiing tir y te nhdm lam ca sd tinh so tien bdo hiem ma DNBH se bii thudng cho BMBH.
481 ; ; x ; ' v : „ ' ^ 7 s 6 5(405,-13,2020
bao hiem nSn khi BMBH thong H»|
DNBH ve sukifnMohiemclSyencloS thanh toan quyjn lpi bio hi6ni,DNBHst yeu ciu BMBH cung cip cSc chimg t». Cat chiing tvt do BMBH cung cap giip cho DNBH CO the thim dinh ho so vitaia quyet dinh chi tra bao hiSm dl dang kim.
Ben canh cac chiing til do BMBH cimg cip, DNBH phai t\t minh tien hanh xac minh hi cac thong tin dugc cung cip, tim hik ve nguyen nbfin xay ra s\r kien bao hiSm, cac thong tin lien quan dSn su kien bao hiem va ca thong tin lien quan djn NDBH, cjte nhu sau:
Thii nhdt, ddi vdi tratag hop NBBH gap tai nan, DNBH se yeu ciu cung cap cac chumg tir lien quan nhu: bien ban su vijc do Cong an lap, cac chiing tvt y t6 hen quan den viec nhap vien di6u tri, hoa don y te va cac giiy to nhan than nhu chiing minh nhan dan va ho khau thuong tru.
Thii hai, ddi v6i truong h(tp BMBH nhap vien vi vin dk siic khoi, DNBH se yen ciu BMBH cung cip trich luc benh an, giay ra vien, cac kk qua xet nghiem y te, don thuoc cua bac si va cac hoa don y te.
Thic ba, d6i voi trucmg hgp NBBH til vong, DNBH se yeu ciu BMBH cung cip thong tin ciSng nhu giiy to lien quan dSn s(t kien NDBH til vong. Trich luc khai tir duoc cung cap nhSm giup cho DNBH xac dinh nguoi tii vong chinh xac la NBBH va nguyen nhan tu vong cua NDBH. NSu nguyen nhan tvt vong cua NDBH la do tai nan thi DNBH se yeu ciu bien ban su viec do CO quan c6 tham quySn lap m kilm tra nguyen nhan xay ra su kien bao hiSm. NSu nguyen nhan tu vong cua NDBH la do bSnh ly, cac giay to ma BMBH dugc yeu cju cung cip bao gom: ho so benh an, gijy nhap vien, cac kit qua xet nghiem lien quan. Vi$c cung cip cac loai giiy to nay khong chi giup cho
>]BH xac djnh dupe nguyen nhan tii vong ta NDBH ma con giup cho DNBH Idem tta ipc NDBH CO tdn t^i benh tir trudc khi lam gia BHNT hay khdng. Niu NDBH cd in t?i benh tir trudc thi BMBH da vi pham
^ a vy cung cdp thdng tin va DNBH c6 the r chii thanh toan quyen lgi bao hiem doi oi tnrdng hpp ndy. Ngoai ra, thong thudng
»NBH se tu choi chi tta bdo hiem eho ede hudng hpp NDBH duong tinh vdi fflV/AIDS nen cac thong tin ndy con giiip cho DNBH xac minh dupe nguyen nhdn tu vong ciia NDBH co phdi do HIV hay khdng.
4. B^t c^p vk kien nghi
Nhiing phdn tich tten day cho thdy phdp ludt vi KDBH quy dinh khd cy the vi nghia vu cung cdp thong tm ciia BMBH ttong ttmg giai doan ciing nhu hau qua phdp ly neu vi ph^m nghia vu eung cdp thong tin. Ben canh do, cac quy dinh cua phdp ludt KDBH ve nghia vu cung cdp thong tin cua NMBH con mpt so han che, bdt cap sau day:
Thie nhdt, thiiu quy djnh ve cdn cu di xdc dmh hdnh vi cd y cung cdp thdng tin sai su thgt.
Theo quy dinh tai khodn 1 vd khodn 2 Diiu 19 Ludt KDBH, niu mot ttong hai ben CO y cung cdp thdng tin sai su that, thi b6n con lai eo quyin don phuong dinh chi thuc hien hop ddng. Tuy nhien, phdp ludt ve KDBH hien hdnh khong xac dinh ro cdn cii de xdc dinh hdnh vi co y cung cdp thong tin sai sy that. Ddi vdi DNBH, hdnh vi nay rdt di xdc dinh vi DNBH Id ben soan thdo Bg quy tac vd diiu khodn cua hop ddng BHNT vd nghia vu eung cdp thdng tin cua hg chi diing lai d viec giai thich vi hpp ddng vd sdn phim BHNT. Trong khi do, nghia vy cung
cap thong tm cua BMBH diin ra ttong thdi gian dai, suot qud ttinh thuc hien bdo hiem vdi nhieu thdng tin can phdi thong bao khi c6 thay ddi. Trong sudt qud trinh do, NMBH cd the vd y khdng kip thdi cung cap hodc c6 sai sdt ttong eimg cap thong tin cho DNBH.
Ddy cd the Id can cu de DNBH don phuang chdm diit HDBH vdi NMBH, bdi le phdp ludt ve KDBH hien hanh khdng quy dinh cu the can cir de xac dinh hdnh vi c6 y. Dieu nay la khong eong bang ddi vdi BMBH (ben yeu the), Vi vdy, de bdo dam quyen lpi cua NMBH, tac gia cho rang, cdn bo sung quy duih vi can cii xdc dinh hdnh vi co y cung cdp thdng tin sai sy that.
Thu hai, chua quy dinh rd cdch tinh "gid tri hodn lgi".
Khi BMBH vi pham nghia vy cung cdp thong tm thi DNBH se dua ra quyit dinh don phuang dinh chi hgp ding va hodn ttd lai cho BMBH mgt si tiin bang vdi gid tn hodn lai. Tuy nhien, Ludt KDBH ciing nhu cdc van bdn dudi ludt khdng quy dinh the nao Id gid tri hodn lai. Tren thuc ti, gid tri hodn lai ciia HDBHNT dugc xdc dinh tren co sd quy dinh cua Bp quy tdc vd diiu khodn do DNBH ban hanh. Diiu nay gay bat lpi cho NMBH. Vi dy, sau khi dan phuong di nghi chdm dut HDBH, chi H (Nha Trang) chi nhdn dupe si tiin hodn lai la 1,3 trieu trong tdng si phi 3,5 ttieu ding da ddng ttong 21 thdng. Diiu ndy cho thay, gia tri hodn lai ciia HDBH it han nhiiu so vdi si tien phi bdo hiim md BMBH da ddng. Vi vdy, de bdo ddm quyin lgi cua NMBH, bdo dam su cdng bdng giiia cac ben ttong KDBH, chiing toi cho rdng, cdn quy dinh ro each tinh "gid tri hodn lai" tai Diiu 3 Luat KDBH •
4 ThS. Trin Vu Hai (2006), Hop ddng bao hilm nhan thg- Nhimg vSn &k ly luan va thuc tiln, Nxb.Tu phap, m Npi, tr.85.
^ NGHiiN eiiru 1 AQ So 5(405)-T3/2020^|j^p p H A P ^ ^
