1. Mt l hng xut khu c bo him ngang gi tr vi tng s tin bo him (gi CIF) l 200.000 USD, trong ca: + Ch hng X : 120.000 USD + Ch hng Y : 80.000 USD. Con tu c bo him ngang gi tr vi s tin bo him l 300.000USD. Trong chuyn hnh trnh, tu b mc cn, thn tu h hng phi sa cha ti cng n ht 5000USD. thot nn, thuyn trng ra lnh phi nm mt s hng ho ca ch hng Y xung bin tr gi 20.000USD, chi ph c lin quan l 2000 USD. Ti cng n, trong khi bc d, mt kin hng ca ch hng X ri xung bin mt tch tr gi 20.000USD. Sau , thuyn trng tuyn b ng gp tn tht chung. Yu cu: Hy xc nh s tin bi thng thc t ca mi cng ty bo him?

Bit rng: Ch hng X mua bo him theo iu kin C; Ch hng

Y mua bo him theo iu kin B: con tu mua bo him theo iu kin

mi ri ro (ITC).

2. Mt l hng xut khu c bo him vi tng s tin bo him l 200 000 USD (gi CIF) trong : Ch hng X l 140 000 USD, Ch hng Y l 60 000 USD

Gi tr con tu ch hng l 400 000 USD. Trong qu trnh vn chuyn, do s sut ca mt thu th (ht thuc l) hng vi ca ch hng Y b chy, thit hi 15 000 USD; ngn la lan sang phng my ca tu lm thit hi 2 000 USD. cu nguy, thuyn trng quyt nh dng nc dp la, lm cho mt s hng ha ca ch hng X h hng, thit hi 30 000 USD, chi ph c lin quan l 2 000 USD.

Tip tc hnh trnh, do sng to nc bin trn vo hm tu lm hng ha ca ch hng Y thit hi 2 000 USD v cun xung bin hai kin hng ca ch hng X thit hi 10 000 USD. V n cng, thuyn trng tuyn b ng gp tn tht chung. Yu cu: 1. Hy xc nh mc ng gp tn tht chung ca mi bn? 2. Hy xc nh s tin ph bi thng ca mi cng ty bo him ? Bit rng:

- Ch hng X mua bo him theo iu kin C - Ch hng Y mua bo him theo iu kin B

- Ch tu mua bo him vt cht thn tu theo iu kin ITC. - Tt c cc ch hng v ch tu u mua bo him ngang gi tr

3. Cng ty A k kt hp ng vi Bo Vit Hi Phng tham gia bo him mt l hng ngang gi tr c tng s tin bo him l 15.000 000 USD theo iu kin bo him C, ng thi k kt vi i tu Vosco vn chuyn l hng ny t Hi Phng sang CHLB c t ngy 1/1/2005. Trong nm 2005 xy ra hai v tn tht: V 1: Tu Vosco 02 m va phi ngm, nc bin r r lm h hng mt lng hng tr gi 10.000 USD, thuyn trng quyt nh dng hai kin hng bt l thng, gi tr hai kin hng ny l 8 000 USD, chi ph lin quan l 2.000 USD. Ti cng ch, tu phi sa cha v l do m va, chi ph ht 10.000 USD. V 2: Tu Vosco 05 m va vi tu A ca n , theo gim nh: tu A li 60%, h hng sa cha ht 8 000 USD, thit hi kinh doanh 2000 USD. Tu Vosco 05 li 40%, h hng sa cha ht 12000 USD,thit hi kinh doanh 4000USD

Yu cu: a. Hy xc nh s tin phi bi thng thc t ca mi cng ty

BH?

b. Hy xc nh mc li (l) ca Bo Vit Hi Phng t hp ng bo him hng ho v hp ng bo him cho i tu Vosco?

Bit rng: - T l ph bo him cho l hng trn l 0,75%, i tu Vosco cng mua

bo him vt cht thn tu ngang gi tr theo iu kin mi ri ro v bo him TNDS ca ch tu Bo Vit Hi Phng vi mc trch nhim 3/4, tng s ph np khi k hp ng l 50 000 USD.

- Chi ph qun l phn b ca Bo Vit Hi Phng cho nhng hp ng trn l 10%, thu 10% so vi tng mc ph thu c, li u t thu c 5000USD

- Ch tu A mua bo him thn tu ngang gi tr theo iu kin bo him mi ri ro v bo him TNDS vi mc 3/4 cng ty bo him Z.

4. Hai tu A v B b m va, li v thit hi ca cc bn nh sau:

Li v thit hi Tu A Tu B

1. Li 60 % 40%

2. Thit hi thn tu 32.000 USD 24.000USD

3. Thit hi kinh doanh 8.000 USD 6.000 USD

4. Thit hi hng ho 15.000 USD 10.000 USD

Yu cu: Xc nh s tin phi bi thng ca mi cng ty bo him v s tin cn thit hi ca mi ch tu, nu v m va trn gii quyt theo trch nhim cho?

Bit rng: a. Ch tu A mua bo him vt cht thn tu ngang gi tr theo iu

kin bo him mi ri ro v bo him trch nhim dn s ca ch tu vi mc trch nhim 3/4 cng ty bo him X

b. Ch tu B mua bo him vt cht thn tu ngang gi tr theo iu kin bo him mi ri ro v bo him trch nhim dn s ca ch tu vi mc trch nhim 3/4 cng ty bo him Y.

c. Hng ho trn tu A c bo him ngang gi tr theo iu kin mi ri ro ti cng ty bo him N.

d. Hng ho trn tu B c bo him ngang gi tr theo iu kin mi ri ro ti cng ty bo him M.

5. Xe t M tham gia bo him ton b tng thnh thn v xe, tng thnh ng c v bo him TNDS ca ch xe c gii i vi ngi th 3 cng ty bo him A t ngy 10/1/2005. S tin bo him thn v xe bng 45% v s tin bo him tng thnh ng c bng 15% so vi gi tr thc t xe. Ngy 5/10/2005, xe b tai nn thuc phm vi bo him. Tng thnh thn v thit hi ton b, tng thnh ng c h hng thit hi 15.000.000 ng.

Yu cu : Hy xc nh s tin bi thng thc t ca cng ty bo him A ?

Bit rng: Xe s dng c 3 nm. Khi tham gia bo him gi tr thc t chic xe l 400.000.000 ng. T l khu hao ca xe l 5% mi nm.

6. Ch xe t A tham gia bo him ton b tng thnh thn v xe v bo him TNDS ca ch xe c gii i vi ngi th ba ti cng ty bo him X t ngy 1/1/2005. S tin bo him thn v xe bng 53% so vi gi tr thc t ca xe. Ngy 26/9/2005 xe A m va vi xe B, theo gim nh xe A c li 70% v h hng ton b, gi tr tn thu l 10.000.000. Xe B c li 30%, h hng phi sa cha ht 5.000.000, thit hi kinh doanh l 4.000.000. Ch xe B mua bo him ton b vt cht thn xe v bo him TNDS ca ch xe c gii i vi ngi th ba ti cng ty bo him Y.

Yu cu: Hy xc nh s tin phi bi thng thc t ca mi cng ty bo

him v thit hi phi t chu ca mi ch xe? Bit rng:

Xe A s dng c 4 nm, khi tham gia bo him gi tr ton b thc t ca xe l 240.000.000. T l khu hao ca xe mi nm l 5%. Cc cng ty bo him u khng ch mc trch nhim ca mnh mc: 30.000.000/ti sn/v tai nn v 30.000.000/ngi/v tai nn.

7. Ngy 1/1/ 2003 Doanh nghip A quyt nh trch qu phc li mua bo him t vong c k hn xc nh 5 nm cho tt c mi thnh vin ca doanh nghip ti cng ty BHNT B. Gi s tng s thnh vin ca doanh nghip l 3000 ngi v bao gm 2 loi tui: tui 25 c 2000 ngi; tui 45 c 1000 ngi. S tin bo him l 20.000.000/ngi, ph bo him np 1 ln khi k hp ng. S tin bo him t vong c tr vo cui nm hp ng.

Yu cu : Xc nh tng s ph bo him doanh nghip phi np? Bit rng:

a- Li sut k thut l 6% mi nm, ph hot ng (h) l 15%. b- T l t vong dng tnh ph bo him ca cc tui v cc nm th hin bng sau:

Tui(x) T l t vong qx (%0)

Tui (x) T l t vong qx (%0)

25 1,0 45 3,0

26 1,2 46 3,3

27 1,4 47 3,7

28 1,8 48 4,3

29 2,3 49 4,7

8. i l A thng u tin khai thc c 3 hp ng BHNT, trong : a/ 2 hp ng BHNT hn hp, ngi tham gia u tui 40, s tin bo him l 50.000.000 ng, thi hn bo him 5 nm, ph np hng nm. b/ 1 hp ng BH t vong c k hn xc nh 5 nm, ph np 1 ln, s tin bo him l 30.000.000 ng, tui ca ngi tham gia l 25.

Yu cu: Hy xc nh thu nhp ca i l A thng u tin? Bit rng: a/ Li sut k thut l 5%/nm; ph hot ng (h) l 14%. b/ Hoa hng i l l 10% so vi tng s ph thu c. c/ T l t vong dng tnh ph bo him ca cc tui v cc

nm th hin bng sau:

Tui(x) T l t vong qx (%0)

Tui (x) T l t vong qx (%0)

25 0.8 40 3,5

26 1,3 41 3,7

27 1,7 42 4,0

28 2,0 43 4,4

29 2,5 44 4,7

30 2,8 45 4,9

9. Hp ng bo him nhn th cho trng hp t vong: - Thi hn: 5 nm - Tui ngi c bo him khi tham gia bo him: 60 - Li sut k thut: 10%/nm - S tin bo him c tr vo cui nm xy ra s c t vong:

50.000.000 ng - Theo bng t l t vong nam gii:

l60=81884 l62= 79243 l 64=76295

l61=80602 l63=77807 l65=74720

Yu cu: Tnh ph thun np mt ln duy nht?

10. Tnh hnh sn xut la huyn A trong vng 5 nm nh sau

Ch tiu n v 2006 2007 2008 2009 2010

Din tch

ha 8100 8800 8400 8700 8500

Nng sut

Tn/ha 7,3 5,9 7,9 8,1 6,1

Gi la bnh qun 5 nm: 1900/kg d=10%

Yu cu: Xc nh ph BH phi np trn 1 ha la nm 2011 theo: a. Ch min thng c khu tr 10%

b. Ch min thng khng khu tr 10%

c. Ch bi thng theo t l 70%

11. Tnh hnh sn xut la huyn A trong vng 5 nm nh sau:

Ch tiu n V N-4 N-3 N-2 N-1 N

1.DTGT la Ha 8.000 8.100 8.400 8.200 8.500

2. Nng sut la T/ ha 56.500 47.000 59.000 65.000 52.000

3. Gi la /kg 1.900 1.800 2.100 1.800 2.200

Yu cu: Xc nh ph bo him phi np tnh trn mt ha la nm N+1

theo ch bo him min thng khng khu tr 80%?.

Bit rng:

Ph ph l 10%.

S tin bo him bnh qun mi ha nm N+1 bng gi tr sn lng

thu hoch thc t bnh qun 5 nm trc

12. Hp ng bo him nhn th trong trng hp t vong:

- Thi hn: 5 nm

- Tui ca ngi c bo him khi k hp ng: 60

- Li sut k thut 10%/ nm

- S tin bo him c tr vo cui nm xy ra s c t vong:

50.000.000 triu

- Theo bng t l t vong nam gii:

l60 = 81884

l61 = 80602

l62 = 79243

l63 = 77807

l64 = 76295

l65 = 74720

Yu cu: Tnh ph thun np mt ln v hng nm?

13.Tnh hnh sn xut la huyn A trong vng 5 nm nh sau:

Ch tiu n v N-4 N-3 N-2 N-1 N

1. Sn lng la Tn 12.000 9.800 10.800 14.700 8.100

2. Nng sut la T/ha 7,20 5,90 6,90 8,10 5,50

3. Gi la /kg 1.700 1.900 1.800 1.800 2.000

Yu cu:

1. Xc nh ph bo him phi np tnh trn mt ha la nm N+1

theo ch bo him min thng c khu tr 10%?

2. Gi thit nm N+1 huyn ny tham gia bo him 1600 ha la

theo mc ph tnh c nh trn v gi tr bo him bnh qun mi ha

bng gi tr sn lng thu hoch thc t bnh qun 5 nm trc, hy xc

nh mc l (li) ca cng ty bo him?

Bit rng:

1. Ph ph l 12%

2. Nm N+1 c 260 ha la b tn tht ton b thuc phm vi bo

him, gi tr tn thu mi ha l 500.000; chi ph qun l phn b l 10%;

thu 10% so vi tng mc ph thu. Tin li do u t mang li l

15.000.000.

14: Tnh hnh sn xut la huyn A trong vng 5 nm nh sau:

Ch tiu n v N-4 N-3 N-2 N-1 N

1. DT gieo trng la Ha 1.666,6 1.661,1 1.565,2 1.814,8 1.472,7

2. Nng sut la T/ha 7,20 5,90 6,90 8,10 5,50

3. Gi la /kg 1.700 1.900 1.800 1.800 2.000

Yu cu:

1. Xc nh ph bo him phi np tnh trn mt ha la nm N+1

theo ch bo him min thng khng khu tr 10%?

2. Gi thit nm N+1 huyn ny tham gia bo him 1600 ha la

theo mc ph tnh c nh trn v gi tr bo him bnh qun mi ha

bng gi tr sn lng thu hoch thc t bnh qun 5 nm trc, hy xc

nh mc l (li) ca cng ty bo him?

Bit rng:

1. Ph ph l 12%

2. Nm N+1 c 260 ha la b tn tht ton b thuc phm vi bo

him, gi tr tn thu mi ha l 500.000; chi ph qun l phn b l 10%;

thu 10% so vi tng mc ph thu. Tin li do u t mang li l

15.000.000.

15: Tnh hnh sn xut la huyn A trong vng 5 nm nh sau:

Ch tiu n v N-4 N-3 N-2 N-1 N

1. DT gieo trng la Ha 1.666,6 1.661,1 1.565,2 1.814,8 1.472,7

2. Sn lng la Tn 12.000 9.800 10.800 14.700 8.100

3. Gi la /kg 1.700 1.900 1.800 1.800 2.000

Yu cu:

1. Xc nh ph bo him phi np tnh trn mt ha la nm N+1

theo ch bo him bi thng theo t l 70%?

2. Gi thit nm N+1 huyn ny tham gia bo him 1600 ha la

theo mc ph tnh c nh trn v gi tr bo him bnh qun mi ha

bng gi tr sn lng thu hoch thc t bnh qun 5 nm trc, hy xc

nh mc l (li) ca cng ty bo him?

Bit rng:

1. Ph ph l 12%

2. Nm N+1 c 260 ha la b tn tht ton b thuc phm vi bo

him, gi tr tn thu mi ha l 500.000; chi ph qun l phn b l 10%;

thu 10% so vi tng mc ph thu. Tin li do u t mang li l

15.000.000.