??ࡱ?>?? `b????YZ[\]^_??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????q` ???IbjbjqPqP ??::?b????????)?)?)?)?)?)?)4?)??????h$?$H??)?*p?p?p?p?p?K?????+------$?h"JQ??)?K?K???Q?)?)p?p??JS?S?S???)p??)p?+S??+S?S??)?)S?p?d? ??fۇ????S???`0?S?l?4lS?l?)S?,S????QQS??????????)?)?)????)?)?)???)?)?)?)?)?)?)?)?)???? CH?NH PH? --------C?NG H?A X? H?I CH? NGH(A VI?T NAM ?c l?p - T? do - H?nh ph?c ---------------S?: 21/2023/N-CPH? N?i, ng?y 05 th?ng 5 nm 2023NGH? ?NHQUY ?NH V? B?O HI?M VI M?Cn c? Lu?t T? ch?c Ch?nh ph? ng?y 19 th?ng 6 nm 2015; Lu?t s?a ?i, b? sung m?t s? i?u c?a Lu?t T? ch?c Ch?nh ph? v? Lu?t T? ch?c ch?nh quy?n ?a ph??ng ng?y 22 th?ng 11 nm 2019;Cn c? Lu?t Doanh nghi?p ng?y 17 th?ng 6 nm 2020;Cn c? Lu?t ?u t? ng?y 17 th?ng 6 nm 2020;Cn c? Lu?t Kinh doanh b?o hi?m ng?y 16 th?ng 6 nm 2022;Theo ? ngh? c?a B? tr??ng B? T?i ch?nh;Ch?nh ph? ban h?nh Ngh? ?nh quy ?nh v? b?o hi?m vi m?.Ch??ng INH?NG QUY ?NH CHUNGi?u 1. Ph?m vi i?u ch?nhNgh? ?nh n?y quy ?nh chi ti?t thi h?nh kho?n 2 i?u 88 v? b?o hi?m vi m?, kho?n 3 i?u 144, kho?n 3 i?u 145, kho?n 2 i?u 146, kho?n 3 i?u 148, kho?n 2, kho?n 3 v? kho?n 5 i?u 149, kho?n 5 i?u 150 Lu?t Kinh doanh b?o hi?m.i?u 2. ?i t??ng ?p d?ng1. T? ch?c cung c?p b?o hi?m vi m? bao g?m:a) Doanh nghi?p b?o hi?m phi nh?n th?, doanh nghi?p b?o hi?m nh?n th?, doanh nghi?p b?o hi?m s?c kh?e (sau ?y g?i l? doanh nghi?p b?o hi?m), chi nh?nh doanh nghi?p b?o hi?m phi nh?n th? n??c ngo?i th?nh l?p v? ho?t ?ng t?i Vi?t Nam;b) T? ch?c t??ng h? cung c?p b?o hi?m vi m? th?nh l?p v? ho?t ?ng t?i Vi?t Nam.2. C? quan qu?n l? nh? n??c v? ho?t ?ng kinh doanh b?o hi?m.3. T? ch?c v? c? nh?n c? li?n quan ?n ho?t ?ng b?o hi?m vi m? bao g?m:a) B?n mua b?o hi?m trong h?p ?ng b?o hi?m vi m?, th?nh vi?n tham gia b?o hi?m vi m?;b) T? ch?c ?i di?n th?nh vi?n;c) C?c t? ch?c, c? nh?n kh?c c? li?n quan.Ch??ng IIS?N PH?M B?O HI?M VI M?i?u 3. S? ti?n b?o hi?m v? s? ph? b?o hi?m t?i a c?a s?n ph?m b?o hi?m vi m?1. S? ti?n b?o hi?m c?a t?ng h?p ?ng b?o hi?m c?a s?n ph?m b?o hi?m vi m? b?o v? c?c r?i ro v? t?nh m?ng v? s?c kh?e kh?ng v??t qu? 05 l?n thu nh?p b?nh qu?n ?u ng??i h?ng nm c?a chu?n h? c?n ngh?o ? khu v?c th?nh th? theo quy ?nh c?a Ch?nh ph? t?i th?i i?m tri?n khai s?n ph?m.2. S? ti?n b?o hi?m c?a t?ng h?p ?ng b?o hi?m c?a s?n ph?m b?o hi?m vi m? b?o v? c?c r?i ro v? t?i s?n kh?ng v??t qu? gi? tr? th? tr??ng c?a t?i s?n ??c b?o hi?m t?i th?i i?m tham gia b?o hi?m v? kh?ng v??t qu? 05 l?n thu nh?p b?nh qu?n ?u ng??i h?ng nm c?a chu?n h? c?n ngh?o ? khu v?c th?nh th? theo quy ?nh c?a Ch?nh ph? t?i th?i i?m tri?n khai s?n ph?m.3. Ph? b?o hi?m nm c?a t?ng h?p ?ng b?o hi?m c?a s?n ph?m b?o hi?m vi m? kh?ng v??t qu? 5% thu nh?p b?nh qu?n ?u ng??i h?ng nm c?a chu?n h? c?n ngh?o ? khu v?c th?nh th? theo quy ?nh c?a Ch?nh ph? t?i th?i i?m tri?n khai s?n ph?m. Ph? b?o hi?m ph?i t??ng ?ng v?i quy?n l?i b?o hi?m.i?u 4. S?n ph?m b?o hi?m vi m? do doanh nghi?p b?o hi?m, chi nh?nh doanh nghi?p b?o hi?m phi nh?n th? n??c ngo?i tri?n khai1. Doanh nghi?p b?o hi?m, chi nh?nh doanh nghi?p b?o hi?m phi nh?n th? n??c ngo?i tri?n khai s?n ph?m b?o hi?m vi m? c?n ?p ?ng quy ?nh t?i Lu?t Kinh doanh b?o hi?m v? c?c vn b?n h??ng d?n thi h?nh Lu?t Kinh doanh b?o hi?m; i?u 3, i?u 4 v? i?u 6 Ngh? ?nh n?y.2. Doanh nghi?p b?o hi?m nh?n th? ??c cung c?p c?c s?n ph?m b?o hi?m vi m? b?o v? c?c r?i ro v? t?nh m?ng, s?c kh?e c? th?i h?n kh?ng qu? 05 nm.3. Doanh nghi?p b?o hi?m phi nh?n th?, chi nh?nh doanh nghi?p b?o hi?m phi nh?n th? n??c ngo?i ??c cung c?p:a) C?c s?n ph?m b?o hi?m vi m? b?o v? c?c r?i ro v? t?nh m?ng, s?c kh?e c? th?i h?n t? 01 nm tr? xu?ng;b) C?c s?n ph?m b?o hi?m vi m? b?o v? c?c r?i ro v? t?i s?n c? th?i h?n kh?ng qu? 05 nm.4. Doanh nghi?p b?o hi?m s?c kh?e ??c cung c?p:a) C?c s?n ph?m b?o hi?m vi m? b?o v? c?c r?i ro v? t?nh m?ng c? th?i h?n t? 01 nm tr? xu?ng;b) C?c s?n ph?m b?o hi?m vi m? b?o v? c?c r?i ro v? s?c kh?e c? th?i h?n kh?ng qu? 05 nm.5. T?n c?a s?n ph?m b?o hi?m vi m? do doanh nghi?p b?o hi?m, chi nh?nh doanh nghi?p b?o hi?m phi nh?n th? n??c ngo?i tri?n khai ph?i c? th?nh t?  S?n ph?m b?o hi?m vi m? ? ph?n bi?t v?i c?c s?n ph?m b?o hi?m kh?c c?a doanh nghi?p b?o hi?m, chi nh?nh doanh nghi?p b?o hi?m phi nh?n th? n??c ngo?i.i?u 5. S?n ph?m b?o hi?m vi m? do T? ch?c t??ng h? cung c?p b?o hi?m vi m? tri?n khaiT? ch?c t??ng h? cung c?p b?o hi?m vi m? ch? ??c tri?n khai c?c s?n ph?m b?o hi?m vi m? c? th?i h?n t? 01 nm tr? xu?ng nh?m ?p ?ng nhu c?u c?a th?nh vi?n. S?n ph?m b?o hi?m bao g?m m?t ho?c m?t s? quy?n l?i c? th? nh? sau:1. Quy?n l?i chm s?c s?c kh?e: h? tr? m?t ph?n ho?c to?n b? chi ph? n?m vi?n, ph?u thu?t cho ng??i ??c b?o hi?m khi ng??i ??c b?o hi?m n?m vi?n ho?c ph?u thu?t thu?c ph?m vi b?o hi?m.2. Quy?n l?i b?o hi?m tai n?n: chi tr? s? ti?n b?o hi?m t??ng ?ng v?i t? l? th??ng t?t do tai n?n c?a ng??i ??c b?o hi?m theo th?a thu?n t?i h?p ?ng b?o hi?m vi m? khi ng??i ??c b?o hi?m b? th??ng t?t do tai n?n thu?c ph?m vi b?o hi?m.3. Quy?n l?i b?o hi?m t? vong ho?c th??ng t?t to?n b? v)nh vi?n: chi tr? cho ng??i th? h??ng s? ti?n b?o hi?m theo tho? thu?n t?i h?p ?ng b?o hi?m vi m? khi ng??i ??c b?o hi?m t? vong ho?c th??ng t?t to?n b? v)nh vi?n thu?c ph?m vi b?o hi?m.4. Quy?n l?i tr? c?p mai t?ng: chi tr? th?m m?t kho?n h? tr? mai t?ng theo th?a thu?n t?i h?p ?ng b?o hi?m vi m? khi quy?n l?i b?o hi?m t? vong ??c chi tr?.5. Quy?n l?i b?o hi?m t?i s?n: chi tr? b?i th??ng b?o hi?m theo th?a thu?n t?i h?p ?ng b?o hi?m vi m? khi t?i s?n ??c b?o hi?m b? thi?t h?i do c?c nguy?n nh?n thu?c ph?m vi b?o hi?m.i?u 6. H? s?, tr?nh t?, th? t?c ng k? ph??ng ph?p, c? s? t?nh ph? b?o hi?m c?a s?n ph?m b?o hi?m vi m?1. T? ch?c cung c?p b?o hi?m vi m? ph?i ng k? c? s? v? ph??ng ph?p t?nh ph? b?o hi?m c?a c?c s?n ph?m b?o hi?m vi m? tr??c khi tri?n khai.2. T? ch?c cung c?p b?o hi?m vi m? ph?i n?p B? T?i ch?nh 01 b? h? s? ng k? c? s? v? ph??ng ph?p t?nh ph? b?o hi?m bao g?m c?c t?i li?u sau:a) Vn b?n ? ngh? ng k? c? s? v? ph??ng ph?p t?nh ph? b?o hi?m theo M?u s? 06 quy ?nh t?i Ph? l?c ban h?nh k?m theo Ngh? ?nh n?y;b) B?n t?m t?t c?c quy?n l?i b?o hi?m v? i?u kho?n lo?i tr? tr?ch nhi?m b?o hi?m c?a s?n ph?m b?o hi?m d? ki?n tri?n khai;c) C?ng th?c, ph??ng ph?p, c? s? t?nh ph? b?o hi?m thu?n, ph? b?o hi?m g?p v? t?i li?u gi?i tr?nh v? c? s? d?ng ? t?nh ph? b?o hi?m c?a s?n ph?m b?o hi?m vi m? d? ki?n tri?n khai; nguy?n t?c tng, gi?m ph? b?o hi?m (n?u c?). C?c t?i li?u n?y ph?i c? x?c nh?n c?a Chuy?n gia t?nh to?n b?o hi?m vi m?.3. Trong th?i h?n 14 ng?y k? t? ng?y nh?n ??c ? h? s? h?p l?, B? T?i ch?nh c? vn b?n ch?p thu?n c? s? v? ph??ng ph?p t?nh ph? b?o hi?m c?a t? ch?c cung c?p b?o hi?m vi m?. Tr??ng h?p t? ch?i ch?p thu?n, B? T?i ch?nh c? vn b?n gi?i th?ch r? l? do.4. Tr??ng h?p thay ?i c? s? v? ph??ng ph?p t?nh ph? b?o hi?m c?a s?n ph?m b?o hi?m vi m?, t? ch?c cung c?p b?o hi?m vi m? n?p B? T?i ch?nh 01 b? h? s? ? ngh? ch?p thu?n s?a ?i, b? sung c? s? v? ph??ng ph?p t?nh ph? b?o hi?m bao g?m c?c t?i li?u sau:a) Vn b?n ? ngh? s?a ?i, b? sung c? s?, ph??ng ph?p t?nh ph? b?o hi?m theo M?u s? 06 quy ?nh t?i Ph? l?c ban h?nh k?m theo Ngh? ?nh n?y;b) T?i li?u gi?i tr?nh c?c n?i dung s?a ?i, b? sung, c? x?c nh?n c?a chuy?n gia t?nh to?n b?o hi?m vi m?.5. Trong th?i h?n 14 ng?y k? t? ng?y nh?n ??c ? h? s? h?p l?, B? T?i ch?nh c? vn b?n ch?p thu?n vi?c s?a ?i, b? sung c? s? v? ph??ng ph?p t?nh ph? c?a t? ch?c cung c?p b?o hi?m vi m?. Tr??ng h?p t? ch?i ch?p thu?n, B? T?i ch?nh c? vn b?n gi?i th?ch r? l? do.Ch??ng IIITH?NH L?P, T? CH?C V? HO?T ?NG C?A T? CH?C T??NG H? CUNG C?P B?O HI?M VI M?M?c 1. C?P, C?P L?I, S?A ?I, B? SUNG, THU H?I GI?Y PH?P TH?NH L?P V? HO?T ?NG, ?NH CH? N?I DUNG HO?T ?NG C?A T? CH?C T??NG H? CUNG C?P B?O HI?M VI M?i?u 7. i?u ki?n c?p ph?p th?nh l?p v? ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?T? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i ?p ?ng c?c i?u ki?n quy ?nh t?i i?u 149 Lu?t Kinh doanh b?o hi?m, trong ? c?c i?u ki?n quy ?nh t?i kho?n 2, kho?n 3 v? kho?n 5 i?u 149 Lu?t Kinh doanh b?o hi?m c? th? nh? sau:1. C? v?n th?nh l?p b?ng ?ng Vi?t Nam kh?ng th?p h?n 10 t? ?ng. Ngu?n v?n th?nh l?p t? ch?c t??ng h? cung c?p b?o hi?m vi m? bao g?m:a) V?n g?p c?a c? nh?n l? th?nh vi?n s?ng l?p. Th?nh vi?n s?ng l?p kh?ng ??c s? d?ng v?n vay, ngu?n v?n ?y th?c ?u t? c?a t? ch?c, c? nh?n kh?c ? tham gia g?p v?n;b) H? tr? c?a t? ch?c ?i di?n th?nh vi?n;c) T?i tr? t? c?c nh? t?i tr?, c?c t? ch?c qu?c t?, c?c ch??ng tr?nh, d? ?n;d) C?c ngu?n h?p ph?p kh?c theo quy ?nh ph?p lu?t.2. Nh?n s? d? ki?n l?m Ch? t?ch H?i ?ng qu?n tr?, T?ng gi?m ?c (Gi?m ?c), ng??i ?i di?n theo ph?p lu?t, Chuy?n gia t?nh to?n b?o hi?m vi m? ?p ?ng c?c i?u ki?n, ti?u chu?n quy ?nh t?i i?u 24 v? i?u 25 Ngh? ?nh n?y.3. D? th?o i?u l? ph? h?p v?i m?c ti?u ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? v? quy ?nh t?i i?u 8 Ngh? ?nh n?y.i?u 8. i?u l? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?1. i?u l? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? bao g?m t?i thi?u nh?ng n?i dung sau ?y:a) T?n v? ?a i?m d? ki?n ?t tr? s? ch?nh c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?;b) M?c ?ch th?nh l?p t? ch?c t??ng h? cung c?p b?o hi?m vi m?;c) N?i dung, ph?m vi, ?a b?n ho?t ?ng, th?i gian ho?t ?ng;d) Th? t?c tham gia, th? t?c ch?m d?t t? c?ch th?nh vi?n, quy?n v? ngh)a v? c?a th?nh vi?n. Th?nh vi?n c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i l? c?ng d?n Vi?t Nam t? ? 18 tu?i tr? l?n, c? nng l?c h?nh vi d?n s? ?y ?; l? th?nh vi?n c?a c?ng m?t t? ch?c v? ?p ?ng c?c i?u ki?n quy ?nh t?i i?u l? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?;) T?n, ?a ch?, quy?n, ngh)a v? v? s? l??ng th?nh vi?n s?ng l?p (?t nh?t l? 07 ng??i) c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? (trong tr??ng h?p th?nh vi?n s?ng l?p l? c? nh?n); t?n, ?a ch?, quy?n v? ngh)a v? c?a t? ch?c ?i di?n th?nh vi?n (trong tr??ng h?p th?nh vi?n s?ng l?p l? t? ch?c ?i di?n th?nh vi?n);e) C? c?u t? ch?c, ch?c nng, nhi?m v?, quy?n h?n, nhi?m k? v? ph??ng th?c ho?t ?ng c?a ?i h?i th?nh vi?n (?i v?i tr??ng h?p th?nh vi?n s?ng l?p l? c? nh?n), H?i ?ng qu?n tr?, Ban gi?m ?c, Ban ki?m so?t; th? th?c b?u, b?i nhi?m, mi?n nhi?m th?nh vi?n H?i ?ng qu?n tr?, Ch? t?ch H?i ?ng qu?n tr?, Ban ki?m so?t;g) C?c tr??ng h?p t? ch?c ?i h?i th?nh vi?n b?t th??ng (?i v?i tr??ng h?p th?nh vi?n s?ng l?p l? c? nh?n);h) Tr?nh t?, th? t?c ti?n h?nh ?i h?i th?nh vi?n v? th?ng qua Ngh? quy?t t?i ?i h?i th?nh vi?n; ti?u chu?n, tr?nh t?, th? t?c b?u ?i bi?u tham d? ?i h?i ?i bi?u th?nh vi?n (?i v?i tr??ng h?p th?nh vi?n s?ng l?p l? c? nh?n);i) V?n th?nh l?p c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?; ph??ng th?c ?ng g?p v?n; ph??ng th?c, nguy?n t?c ho?n tr? v?n th?nh l?p ??c h? tr? t? t? ch?c ?i di?n th?nh vi?n (n?u c?);k) Quy ch? t?i ch?nh; c?c nguy?n t?c quy?t ?nh vi?c tng, gi?m ph? b?o hi?m; ph??ng th?c s? d?ng k?t qu? ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?;l) Nguy?n t?c gi?i quy?t tranh ch?p n?i b?;m) Nguy?n t?c, th? t? ph?n chia t?i s?n trong tr??ng h?p t? ch?c t??ng h? cung c?p b?o hi?m vi m? gi?i th?;2. Vi?c thay th?, b? sung, s?a ?i i?u l? t? ch?c t??ng h? cung c?p b?o hi?m vi m? do ?i h?i th?nh vi?n (?i v?i tr??ng h?p th?nh vi?n s?ng l?p l? c? nh?n) ho?c t? ch?c ?i di?n th?nh vi?n (?i v?i tr??ng h?p th?nh vi?n s?ng l?p l? t? ch?c ?i di?n th?nh vi?n) quy?t ?nh.i?u 9. H?i ngh? th?nh t?p t? ch?c t??ng h? cung c?p b?o hi?m vi m?1. Th?nh ph?n tham gia H?i ngh? th?nh l?p t? ch?c t??ng h? cung c?p b?o hi?m vi m? trong tr??ng h?p th?nh vi?n s?ng l?p l? c? nh?n bao g?m:a) Th?nh vi?n s?ng l?p;b) C?c th?nh vi?n kh?c thu?c c?ng t? ch?c v?i th?nh vi?n s?ng l?p v? c? nguy?n v?ng tham gia s?n ph?m b?o hi?m vi m?.2. H?i ngh? th?ng qua Ngh? quy?t v?i c?c n?i dung sau:a) ?y quy?n cho ng??i ?i di?n trong s? c?c th?nh vi?n s?ng l?p n?p h? s? ? ngh? c?p ph?p th?nh l?p v? ho?t ?ng t? ch?c t??ng h? cung c?p b?o hi?m vi m?;b) D? th?o i?u l? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?;c) D? ki?n k? ho?ch tri?n khai s?n ph?m b?o hi?m vi m? theo quy ?nh t?i i?m d kho?n 2 i?u 10 Ngh? ?nh n?y;d) D? ki?n nh?n s? ??c b? nhi?m l?m Ch? t?ch H?i ?ng qu?n tr?, T?ng gi?m ?c ho?c Gi?m ?c, ng??i ?i di?n theo ph?p lu?t, Chuy?n gia t?nh to?n b?o hi?m vi m?;) C?c n?i dung kh?c c? li?n quan ?n vi?c th?nh l?p v? t? ch?c, ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?.3. Ngh? quy?t c?a H?i ngh? th?nh l?p t? ch?c t??ng h? cung c?p b?o hi?m vi m? quy ?nh t?i kho?n 2 i?u n?y ph?i ??c bi?u quy?t th?ng qua v?i t? l? ?ng ? t? 51% tr? l?n.i?u 10. H? s?, tr?nh t?, th? t?c c?p Gi?y ph?p th?nh l?p v? ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?1. Th?nh vi?n s?ng l?p ph?i n?p h? s? ? ngh? c?p Gi?y ph?p th?nh l?p v? ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? theo quy ?nh sau ?y:a) Tr??ng h?p th?nh vi?n s?ng l?p l? c? nh?n quy ?nh t?i i?m a kho?n 1 i?u 149 Lu?t Kinh doanh b?o hi?m: c?c th?nh vi?n s?ng l?p ph?i t? ch?c H?i ngh? th?nh l?p t? ch?c t??ng h? cung c?p b?o hi?m vi m? theo quy ?nh t?i i?u 9 Ngh? ?nh n?y. Ng??i ?i di?n ??c ?y quy?n n?p h? s? ? ngh? c?p ph?p th?nh l?p v? ho?t ?ng t? ch?c t??ng h? cung c?p b?o hi?m vi m?;b) Tr??ng h?p th?nh vi?n s?ng l?p l? t? ch?c ?i di?n th?nh vi?n quy ?nh t?i i?m b kho?n 1 i?u 149 Lu?t Kinh doanh b?o hi?m: ng??i ??c t? ch?c ?i di?n th?nh vi?n ?y quy?n n?p h? s? ? ngh? c?p ph?p th?nh l?p v? ho?t ?ng t? ch?c t??ng h? cung c?p b?o hi?m vi m?.2. H? s? ? ngh? c?p Gi?y ph?p th?nh l?p v? ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? bao g?m:a) ?n ? ngh? c?p Gi?y ph?p th?nh l?p v? ho?t ?ng theo M?u s? 01 quy ?nh t?i Ph? l?c ban h?nh k?m theo Ngh? ?nh n?y;b) D? th?o i?u l? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?;c) X?c nh?n c?a ng?n h?ng th??ng m?i ??c ph?p ho?t ?ng t?i Vi?t Nam v? s? v?n th?nh l?p (kh?ng th?p h?n m?c v?n quy ?nh t?i kho?n 1 i?u 7 Ngh? ?nh n?y) ? ??c g?i t?i t?i kho?n phong t?a m? t?i ng?n h?ng v? ch? ??c gi?i t?a sau khi B? T?i ch?nh c?p Gi?y ph?p th?nh l?p v? ho?t ?ng cho t? ch?c t??ng h? cung c?p b?o hi?m vi m? ho?c c? vn b?n t? ch?i xem x?t c?p Gi?y ph?p;d) K? ho?ch tri?n khai b?o hi?m vi m? trong ? n?u r? quy tr?nh tri?n khai, m?ng l??i tri?n khai; d? ki?n v? doanh thu, chi ph? v? k?t qu? ho?t ?ng b?o hi?m vi m? trong 03 nm ?u tri?n khai ph? h?p v?i s? l??ng th?nh vi?n, m?ng l??i c?a t? ch?c;) Ngh? quy?t H?i ngh? th?nh l?p t? ch?c t??ng h? cung c?p b?o hi?m vi m? v? vi?c th?nh l?p t? ch?c t??ng h? cung c?p b?o hi?m vi m? c? c?c n?i dung quy ?nh t?i kho?n 2 i?u 9 Ngh? ?nh n?y (?i v?i tr??ng h?p th?nh vi?n s?ng l?p l? c? nh?n);e) Vn b?n c?a c?p c? th?m quy?n theo i?u l? c?a T? ch?c ?i di?n th?nh vi?n v? vi?c th?nh l?p t? ch?c t??ng h? cung c?p b?o hi?m vi m? (?i v?i tr??ng h?p th?nh vi?n s?ng l?p l? T? ch?c ?i di?n th?nh vi?n);g) Danh s?ch th?nh vi?n s?ng l?p v? t?i li?u ch?ng minh th?nh vi?n s?ng l?p) ?p ?ng quy ?nh t?i i?m a kho?n 1 i?u 149 Lu?t Kinh doanh b?o hi?m (?i v?i tr??ng h?p th?nh vi?n s?ng l?p l? c? nh?n);h) i?u l?, b?n sao quy?t ?nh th?nh l?p ho?c gi?y ch?ng nh?n ng k? kinh doanh ho?c t?i li?u t??ng ??ng kh?c c?a T? ch?c ?i di?n th?nh vi?n (?i v?i tr??ng h?p th?nh vi?n s?ng l?p l? T? ch?c ?i di?n th?nh vi?n);i) S? y?u l? l?ch, Phi?u l? l?ch t? ph?p; b?n sao th? cn c??c c?ng d?n ho?c ch?ng minh th? nh?n d?n ho?c h? chi?u ho?c ch?ng th?c c? nh?n h?p ph?p kh?c; b?n sao c?c vn b?ng, ch?ng ch?, t?i li?u ch?ng minh nng l?c, tr?nh ? chuy?n m?n c?a ng??i d? ki?n ??c b? nhi?m l? Ch? t?ch H?i ?ng qu?n tr?, T?ng gi?m ?c ho?c Gi?m ?c, ng??i ?i di?n theo ph?p lu?t, Chuy?n gia t?nh to?n b?o hi?m vi m? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?;k) Gi?i tr?nh v? cam k?t x?y d?ng h? th?ng c?ng ngh? th?ng tin ?p ?ng i?u ki?n quy ?nh t?i kho?n 6 i?u 149 Lu?t Kinh doanh b?o hi?m.3. Trong th?i h?n 21 ng?y k? t? ng?y nh?n ??c h? s? ? ngh? c?p Gi?y ph?p, n?u h? s? ch?a ?y ? v? h?p l?, B? T?i ch?nh th?ng b?o b?ng vn b?n y?u c?u b? sung, s?a ?i h? s?. Th?i h?n b? sung, s?a ?i h? s? t?i a l? 06 th?ng k? t? ng?y ra th?ng b?o. Tr??ng h?p t? ch?c, c? nh?n ? ngh? c?p Gi?y ph?p kh?ng b? sung, s?a ?i h? s? theo ?ng th?i h?n quy ?nh, B? T?i ch?nh c? vn b?n t? ch?i xem x?t c?p Gi?y ph?p.4. Trong th?i h?n 60 ng?y k? t? ng?y nh?n ? h? s? h?p l?, B? T?i ch?nh c?p Gi?y ph?p cho t? ch?c t??ng h? cung c?p b?o hi?m vi m? theo M?u s? 02 quy ?nh t?i Ph? l?c ban h?nh k?m theo Ngh? ?nh n?y. Tr??ng h?p t? ch?i c?p Gi?y ph?p, B? T?i ch?nh c? vn b?n gi?i th?ch r? l? do.5. B? T?i ch?nh c?ng b? c?c n?i dung c?a Gi?y ph?p th?nh l?p v? ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? tr?n C?ng th?ng tin i?n t? c?a B? T?i ch?nh trong th?i h?n 30 ng?y k? t? ng?y c?p Gi?y ph?p.i?u 11. H? s?, tr?nh t?, th? t?c ? ngh? c?p l?i Gi?y ph?p th?nh l?p v? ho?t ?ng1. Tr??ng h?p Gi?y ph?p th?nh l?p v? ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? b? m?t, b? h?y ho?i, b? h? h?ng ho?c b? ti?u h?y d??i m?i h?nh th?c, t? ch?c t??ng h? cung c?p b?o hi?m vi m? n?p B? T?i ch?nh h? s? ? ngh? c?p l?i Gi?y ph?p th?nh l?p v? ho?t ?ng theo quy ?nh t?i kho?n 2 i?u n?y.2. H? s? ? ngh? c?p l?i Gi?y ph?p th?nh l?p v? ho?t ?ng bao g?m:a) ?n ? ngh? c?p l?i Gi?y ph?p th?nh l?p v? ho?t ?ng theo M?u s? 03 quy ?nh t?i Ph? l?c ban h?nh k?m theo Ngh? ?nh n?y;b) Cam k?t c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? v? vi?c Gi?y ph?p b? m?t, b? h? h?ng, b? h?y ho?i ho?c b? ti?u h?y v? c?c t?i li?u ch?ng minh (n?u c?).3. Trong th?i h?n 14 ng?y k? t? ng?y nh?n ? h? s? h?p l?, B? T?i ch?nh c?p l?i Gi?y ph?p th?nh l?p v? ho?t ?ng. Tr??ng h?p t? ch?i ch?p thu?n, B? T?i ch?nh c? vn b?n gi?i th?ch r? l? do.i?u 12. H? s?, tr?nh t?, th? t?c s?a ?i, b? sung Gi?y ph?p th?nh l?p v? ho?t ?ng1. T? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i ? ngh? B? T?i ch?nh s?a ?i, b? sung Gi?y ph?p th?nh l?p v? ho?t ?ng trong c?c tr??ng h?p sau:a) Thay ?i t?n, ?a i?m ?t tr? s? ch?nh;b) Thay ?i n?i dung, ph?m vi v? th?i h?n ho?t ?ng.2. H? s? ? ngh? thay ?i t?n, ?a i?m ?t tr? s? ch?nh bao g?m c?c t?i li?u sau:a) Vn b?n ? ngh? thay ?i t?n, ?a i?m ?t tr? s? ch?nh theo M?u s? 04 quy ?nh t?i Ph? l?c ban h?nh k?m theo Ngh? ?nh n?y;b) Vn b?n c?a c?p c? th?m quy?n theo quy ?nh t?i i?u l? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? v? vi?c thay ?i t?n, ?a i?m ?t tr? s? ch?nh;c) T?i li?u ch?ng minh v? quy?n s? d?ng ?a i?m ?t tr? s? ch?nh (?i v?i vi?c thay ?i ?a i?m ?t tr? s? ch?nh).3. H? s? ? ngh? thay ?i n?i dung, ph?m vi v? th?i h?n ho?t ?ng bao g?m c?c t?i li?u sau:a) Vn b?n ? ngh? thay ?i n?i dung, ph?m vi v? th?i h?n ho?t ?ng theo M?u s? 04 quy ?nh t?i Ph? l?c ban h?nh k?m theo Ngh? ?nh n?y;b) Vn b?n c?a c?p c? th?m quy?n theo quy ?nh t?i i?u l? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? v? vi?c thay ?i n?i dung, ph?m vi v? th?i h?n ho?t ?ng;c) C?c t?i li?u ch?ng minh: t? ch?c t??ng h? cung c?p b?o hi?m vi m? th?c hi?n k? qu? ?y ? theo quy ?nh t?i i?u 37 Ngh? ?nh n?y; tr?ch l?p ?y ? d? ph?ng nghi?p v? theo quy ?nh t?i i?u 38 Ngh? ?nh n?y; c? k?t qu? ho?t ?ng d??ng t?i th?i i?m l?p b?o c?o t?i ch?nh ? ??c ki?m to?n c?a nm li?n k? tr??c nm n?p h? s? (?i v?i tr??ng h?p m? r?ng n?i dung, ph?m vi ho?t ?ng); b?o ?m ho?n th?nh c?c tr?ch nhi?m ?i v?i th?nh vi?n tham gia b?o hi?m vi m? (?i v?i tr??ng h?p thu h?p n?i dung, ph?m vi ho?c thay ?i th?i h?n ho?t ?ng).4. Trong th?i h?n 14 ng?y k? t? ng?y nh?n ? h? s? h?p l? (?i v?i h? s? ? ngh? thay ?i n?i dung, ph?m vi v? th?i h?n ho?t ?ng) ho?c trong th?i h?n 07 ng?y l?m vi?c k? t? ng?y nh?n ? h? s? h?p l? (?i v?i ? ngh? thay ?i t?n, ?a i?m ?t tr? s? ch?nh), B? T?i ch?nh c?p Gi?y ph?p i?u ch?nh theo M?u s? 05 quy ?nh t?i Ph? l?c ban h?nh k?m theo Ngh? ?nh n?y. Tr??ng h?p t? ch?i ch?p thu?n, B? T?i ch?nh c? vn b?n gi?i th?ch r? l? do.i?u 13. Tr?nh t?, th? t?c ?nh ch? n?i dung ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?1. Trong v?ng 15 ng?y k? t? ng?y k?t th?c th?i h?n quy ?nh t?i kho?n 4 i?u 36 Ngh? ?nh n?y, B? T?i ch?nh quy?t ?nh ?nh ch? n?i dung ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? b?ng vn b?n. T?y theo t?nh ch?t v? m?c ? vi ph?m, th?i h?n ?nh ch? t? 01 ?n 06 th?ng.2. Trong th?i gian b? ?nh ch? n?i dung ho?t ?ng, t? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i th?c hi?n c?c quy ?nh sau ?y:a) Kh?ng ??c k? m?i, gia h?n c?c h?p ?ng b?o hi?m vi m?;b) Tr?ch l?p ?y ? d? ph?ng nghi?p v? theo quy ?nh c?a ph?p lu?t ?i v?i c?c h?p ?ng b?o hi?m vi m? ? k? k?t tr??c th?i i?m b? ?nh ch?; ti?p t?c thanh to?n c?c kho?n n?, th?c hi?n c?c ngh)a v? ?i v?i h?p ?ng ? giao k?t v?i th?nh vi?n tham gia b?o hi?m vi m? v? ng??i lao ?ng theo quy ?nh c?a ph?p lu?t;c) Th?c hi?n ph??ng ?n kh?c ph?c t?nh tr?ng vi ph?m.3. Trong th?i h?n 15 ng?y k? t? ng?y k?t th?c th?i h?n ?nh ch?, t? ch?c t??ng h? cung c?p b?o hi?m vi m? b?o c?o B? T?i ch?nh k?t qu? th?c hi?n ph??ng ?n kh?c ph?c.a) Tr??ng h?p ? kh?c ph?c ??c t?nh tr?ng vi ph?m, t? ch?c t??ng h? cung c?p b?o hi?m vi m? ??c ti?p t?c ho?t ?ng b?nh th??ng;b) Tr??ng h?p kh?ng kh?c ph?c ??c t?nh tr?ng vi ph?m, B? T?i ch?nh th?c hi?n thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?. Vi?c thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng ??c th?c hi?n theo quy ?nh t?i i?u 14 v? i?u 16 Ngh? ?nh n?y.i?u 14. Thu h?i gi?y ph?p th?nh l?p v? ho?t ?ng1. T? ch?c t??ng h? cung c?p b?o hi?m vi m? b? thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng trong c?c tr??ng h?p sau ?y:a) H? s? ? ngh? c?p Gi?y ph?p th?nh l?p v? ho?t ?ng c? th?ng tin gian l?n ? c? ? i?u ki?n ??c c?p Gi?y ph?p;b) Ho?t ?ng kh?ng ?ng v?i n?i dung t?i Gi?y ph?p th?nh l?p v? ho?t ?ng;c) Kh?ng kh?c ph?c ??c t?nh tr?ng vi ph?m theo quy ?nh t?i i?m b kho?n 3 i?u 13 Ngh? ?nh n?y;d) Kh?ng th? tng s? l??ng th?nh vi?n theo ph??ng ?n ? b?o c?o B? T?i ch?nh theo quy ?nh t?i kho?n 3 i?u 32 Ngh? ?nh n?y;) T? nguy?n gi?i th?.2. ?i v?i c?c tr??ng h?p quy ?nh t?i i?m a, i?m b kho?n 1 i?u n?y, tr?nh t?, th? t?c thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng ??c th?c hi?n theo quy ?nh t?i i?u 15 Ngh? ?nh n?y.3. ?i v?i c?c tr??ng h?p quy ?nh t?i i?m c, i?m d kho?n 1 i?u n?y, tr?nh t?, th? t?c thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng ??c th?c hi?n theo quy ?nh t?i i?u 16 Ngh? ?nh n?y.4. ?i v?i c?c tr??ng h?p quy ?nh t?i i?m  kho?n 1 i?u n?y, h? s?, tr?nh t?, th? t?c thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng ??c th?c hi?n theo quy ?nh t?i i?u 17 Ngh? ?nh n?y.5. T? ch?c t??ng h? cung c?p b?o hi?m vi m? ch?m d?t ho?t ?ng k? t? ng?y B? T?i ch?nh c? Quy?t ?nh thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng.i?u 15. Tr?nh t?, th? t?c thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng trong tr??ng h?p gian l?n trong c?p ph?p, ho?t ?ng kh?ng ?ng n?i dung t?i Gi?y ph?p th?nh l?p v? ho?t ?ng1. K? t? ng?y k? bi?n b?n x?c ?nh vi ph?m quy ?nh ?i v?i tr??ng h?p quy ?nh t?i c?c i?m a v? b kho?n 1 i?u 14 Ngh? ?nh n?y, t? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i th?c hi?n theo quy ?nh sau ?y:a) Kh?ng ??c k? m?i, gia h?n c?c h?p ?ng b?o hi?m vi m?;b) Th?ng b?o t?i to?n b? th?nh vi?n tham gia b?o hi?m vi m?, c? nh?n v? t? ch?c c? li?n quan v? vi?c th?c hi?n ph?n chia t?i s?n tr??c khi b? thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng;c) Th?nh l?p H?i ?ng gi?i th? ? th?c hi?n ph?n chia t?i s?n theo th? t? ?u ti?n quy ?nh t?i kho?n 2 i?u n?y.2. Vi?c ph?n chia t?i s?n ??c th?c hi?n theo th? t? ?u ti?n sau:a) Tr? ti?n b?i th??ng, tr? ti?n b?o hi?m ?i v?i c?c y?u c?u ?i b?i th??ng, tr? ti?n b?o hi?m thu?c ph?m vi b?o hi?m;b) Ho?n ph? b?o hi?m t??ng ?ng v?i th?i h?n b?o hi?m c?n l?i c?a h?p ?ng b?o hi?m vi m?;c) Tr? kho?n n? l??ng, tr? c?p th?i vi?c, b?o hi?m x? h?i, b?o hi?m y t? ?i v?i ng??i lao ?ng;d) Th?c hi?n ngh)a v? t?i ch?nh ?i v?i Nh? n??c; tr? c?c kho?n n? kh?ng c? b?o ?m cho ch? n? trong danh s?ch ch? n?; tr? c?c kho?n n? c? b?o ?m ch?a ??c thanh to?n do gi? tr? t?i s?n b?o ?m kh?ng ? thanh to?n n?;) Ho?n tr? ngu?n v?n th?nh l?p t? c?c th?nh vi?n s?ng l?p.Tr??ng h?p gi? tr? t?i s?n kh?ng ? ? ph?n chia th? c?c ?i t??ng thu?c c?ng m?t th? t? ?u ti?n ??c thanh to?n theo t? l? ph?n trm t??ng ?ng v?i s? n?. Tr??ng h?p sau khi ph?n chia c?c kho?n tr?n, t?i s?n c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? v?n c?n th? ??c ph?n chia cho c?c th?nh vi?n s?ng l?p, th?nh vi?n tham gia b?o hi?m vi m?.3. Trong th?i h?n 12 th?ng k? t? ng?y k? bi?n b?n x?c ?nh vi ph?m, t? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i ho?n th?nh c?c c?ng vi?c quy ?nh t?i kho?n 1 v? kho?n 2 i?u n?y v? b?o c?o B? T?i ch?nh k?m theo c?c t?i li?u ch?ng minh ? ho?n th?nh c?ng vi?c.4. Trong v?ng 30 ng?y k? t? ng?y nh?n ??c b?o c?o quy ?nh t?i kho?n 3 i?u n?y, B? T?i ch?nh ban h?nh Quy?t ?nh thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? v? c?ng b? Quy?t ?nh thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng tr?n C?ng th?ng tin i?n t? c?a B? T?i ch?nh.i?u 16. Tr?nh t?, th? t?c thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng trong tr??ng h?p t? ch?c t??ng h? cung c?p b?o hi?m vi m? kh?ng kh?c ph?c ??c vi ph?m1. K? t? ng?y k?t th?c th?i h?n ?nh ch? quy ?nh t?i kho?n 1 i?u 13 Ngh? ?nh n?y m? t? ch?c t??ng h? cung c?p b?o hi?m vi m? kh?ng kh?c ph?c ??c t?nh tr?ng vi ph?m ho?c k? t? ng?y t? ch?c t??ng h? cung c?p b?o hi?m vi m? b?o c?o B? T?i ch?nh v? vi?c kh?ng th? tng s? l??ng th?nh vi?n theo quy ?nh t?i kho?n 3 i?u 32 Ngh? ?nh n?y, t? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i th?c hi?n c?c quy ?nh sau ?y:a) Th?ng b?o t?i to?n b? th?nh vi?n tham gia b?o hi?m vi m?, c? nh?n v? t? ch?c c? li?n quan v? vi?c th?c hi?n ph?n chia t?i s?n tr??c khi b? thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng;b) Th?nh l?p H?i ?ng gi?i th? ? th?c hi?n ph?n chia t?i s?n theo th? t? ?u ti?n quy ?nh t?i kho?n 2 i?u 15 Ngh? ?nh n?y.2. T? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i ho?n th?nh c?c c?ng vi?c quy ?nh t?i kho?n 1 i?u n?y v? b?o c?o B? T?i ch?nh k?m theo c?c t?i li?u ch?ng minh trong th?i h?n 12 th?ng k? t? ng?y k?t th?c th?i h?n ?nh ch? quy ?nh t?i kho?n 1 i?u 13 Ngh? ?nh n?y m? t? ch?c t??ng h? cung c?p b?o hi?m vi m? kh?ng kh?c ph?c ??c t?nh tr?ng vi ph?m; ho?c trong th?i h?n 12 th?ng k? t? ng?y t? ch?c t??ng h? cung c?p b?o hi?m vi m? b?o c?o B? T?i ch?nh v? vi?c kh?ng th? tng s? l??ng th?nh vi?n theo quy ?nh t?i kho?n 3 i?u 32 Ngh? ?nh n?y.3. Trong v?ng 30 ng?y k? t? ng?y nh?n ??c b?o c?o quy ?nh t?i kho?n 2 i?u n?y, B? T?i ch?nh ban h?nh Quy?t ?nh thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? v? c?ng b? Quy?t ?nh thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng tr?n C?ng th?ng tin i?n t? c?a B? T?i ch?nh.i?u 17. Tr?nh t?, th? t?c thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng trong tr??ng h?p t? ch?c t??ng h? cung c?p b?o hi?m vi m? t? nguy?n gi?i th?1. T? ch?c t??ng h? cung c?p b?o hi?m vi m? ch? ??c gi?i th? khi ? ho?n th?nh to?n b? ngh)a v? v? kh?ng c? tranh ch?p v?i th?nh vi?n tham gia b?o hi?m vi m?, ng??i lao ?ng, Nh? n??c v? c?c c? nh?n, t? ch?c kh?c c? li?n quan.2. T? ch?c t??ng h? cung c?p b?o hi?m vi m? t? nguy?n gi?i th? ph?i g?i ?n B? T?i ch?nh b? h? s? ? ngh? gi?i th? bao g?m:a) ?n ? ngh? gi?i th? t? ch?c t??ng h? cung c?p b?o hi?m vi m?:b) Bi?n b?n h?p, Ngh? quy?t c?a ?i h?i th?nh vi?n (?i v?i tr??ng h?p th?nh vi?n s?ng l?p l? c? nh?n) ho?c vn b?n c?a c?p c? th?m quy?n theo i?u l? c?a T? ch?c ?i di?n th?nh vi?n (?i v?i tr??ng h?p th?nh vi?n s?ng l?p l? t? ch?c ?i di?n th?nh vi?n) v? vi?c gi?i th?, ph??ng ?n gi?i th?;c) Ph??ng ?n ho?n th?nh c?c ngh)a v? v?i c?c th?nh vi?n tham gia b?o hi?m vi m?, nh? n??c, ng??i lao ?ng v? c?c t? ch?c, c? nh?n c? li?n quan kh?c;d) Ph??ng ?n x? l?, ph?n chia t?i s?n t? ho?t ?ng b?o hi?m vi m? cho c?c th?nh vi?n tham gia b?o hi?m vi m?.3. Trong th?i h?n 14 ng?y k? t? ng?y nh?n ??c ?y ? h? s? ? ngh? gi?i th? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?, B? T?i ch?nh ra vn b?n ch?p thu?n v? nguy?n t?c vi?c gi?i th? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?. Tr??ng h?p kh?ng ch?p thu?n, B? T?i ch?nh c? vn b?n gi?i th?ch r? l? do.4. Sau khi nh?n ??c vn b?n ch?p thu?n v? nguy?n t?c vi?c gi?i th?, t? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i th?c hi?n theo quy ?nh sau ?y:a) Kh?ng ??c k? m?i, gia h?n c?c h?p ?ng b?o hi?m vi m?;b) ng b?o h?ng ng?y trong 05 s? b?o li?n ti?p v? vi?c t? ch?c b?o hi?m t??ng h? vi m? t? nguy?n gi?i th?;c) Th?ng b?o t?i to?n b? th?nh vi?n tham gia b?o hi?m vi m?, c? nh?n v? t? ch?c c? li?n quan v? vi?c t? nguy?n gi?i th?;d) Th?nh l?p H?i ?ng gi?i th? ? th?c hi?n ph?n chia t?i s?n theo ph??ng ?n x? l?, ph?n chia t?i s?n ? b?o c?o B? T?i ch?nh.5. Trong th?i h?n 12 th?ng k? t? ng?y B? T?i ch?nh ch?p thu?n v? nguy?n t?c vi?c gi?i th?, t? ch?c t??ng h? cung c?p b?o hi?m vi m? ho?n th?nh vi?c th?c hi?n c?c ngh)a v? v?i c?c th?nh vi?n tham gia b?o hi?m vi m?, nh? n??c, ng??i lao ?ng v? c?c t? ch?c, c? nh?n c? li?n quan kh?c; x? l?, ph?n chia t?i s?n theo ph??ng ?n ? b?o c?o B? T?i ch?nh.6. Sau khi ho?n th?nh to?n b? ngh)a v? v?i th?nh vi?n tham gia b?o hi?m vi m?, ng??i lao ?ng, Nh? n??c v? c?c c? nh?n, t? ch?c kh?c c? li?n quan, t? ch?c t??ng h? cung c?p b?o hi?m vi m? b?o c?o B? T?i ch?nh k?t qu? th?c hi?n k?m theo c?c t?i li?u ch?ng minh vi?c ? ho?n th?nh to?n b? ngh)a v?.7. Trong v?ng 07 ng?y k? t? ng?y nh?n ??c ?y ? b?o c?o v? vi?c ho?n th?nh c?c ngh)a v? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?, B? T?i ch?nh c? Quy?t ?nh thu h?i Gi?y ph?p th?nh l?p v? ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? v? c?ng b? Quy?t ?nh tr?n C?ng th?ng tin i?n t? c?a B? T?i ch?nh.i?u 18. Quy ?nh chung v? h? s?, t?i li?u1. C?c h? s?, t?i li?u quy ?nh t?i kho?n 2 i?u 10, kho?n 2 i?u 11, kho?n 2 v? kho?n 3 i?u 12, kho?n 2 i?u 17 ph?i ?p ?ng c?c quy ?nh sau:a) C?c t?i li?u c? ch? k?, ch?c danh v? con d?u n??c ngo?i c?a t? ch?c, c? nh?n n??c ngo?i ph?i ??c h?p ph?p h?a l?nh s? theo quy ?nh c?a ph?p lu?t trong th?i h?n 12 th?ng t?nh ?n ng?y n?p h? s? ? ngh?, tr? c?c t?i li?u sau ?y: vn b?n ? ngh? c?p Gi?y ph?p; b?n sao th? cn c??c c?ng d?n ho?c ch?ng minh th? nh?n d?n ho?c h? chi?u ho?c ch?ng th?c c? nh?n h?p ph?p kh?c; vn b?n c?a c?p c? th?m quy?n c?a doanh nghi?p; vn b?n ?y quy?n; vn b?n cam k?t;b) Tr??ng h?p h? s? c? t?i li?u l? b?n sao th? ph?i l? b?n sao t? s? g?c ho?c ch?ng th?c;c) T?i li?u ??c l?p b?ng ti?ng n??c ngo?i ph?i ??c g?i k?m b?n d?ch ch?ng th?c sang ti?ng Vi?t b?i c? quan c? th?m quy?n;d) Phi?u l? l?ch t? ph?p theo m?u ??c c? quan c? th?m quy?n c?p tr??c ng?y n?p h? s? ? ngh? kh?ng qu? 12 th?ng, trong ? ph?i c? ?y ? th?ng tin v? t?nh tr?ng ?n t?ch v? th?ng tin v? vi?c c?m ?m nhi?m ch?c v?, th?nh l?p, qu?n l? doanh nghi?p, h?p t?c x?;) S? y?u l? l?ch ph?i ??c l?p tr??c ng?y n?p h? s? ? ngh? kh?ng qu? 6 th?ng;e) C? danh m?c t?i li?u trong b? h? s?.2. T? ch?c, c? nh?n tham gia v?o qu? tr?nh l?p h? s?, t?i li?u ph?i ch?u tr?ch nhi?m tr??c ph?p lu?t v? t?nh ch?nh x?c, trung th?c v? ?y ? c?a h? s?, t?i li?u. Tr??ng h?p t? ch?c, c? nh?n gian l?n, gi? m?o c?c gi?y t?, t?i li?u ch?ng minh ? i?u ki?n ? ??c c?p gi?y ph?p trong h? s? ? ngh? c?p Gi?y ph?p th? trong v?ng 05 nm k? t? th?i i?m ph?t hi?n h?nh vi gian l?n, gi? m?o gi?y t?, t?i li?u t?i h? s? ? ngh? c?p Gi?y ph?p, B? T?i ch?nh c? quy?n t? ch?i xem x?t c?p ph?p th?nh l?p v? ho?t ?ng tri?n khai b?o hi?m vi m? ?i v?i c?c t? ch?c, c? nh?n n?y.3. Khi c?c lo?i gi?y t? v? ph?p l?, nh?n d?ng, c? tr? c?a c?ng d?n thu?c th?nh ph?n h? s? quy ?nh t?i Ngh? ?nh n?y ? ??c t?ch h?p trong C? s? d? li?u qu?c gia v? d?n c?, C? s? d? li?u cn c??c c?ng d?n th? B? T?i ch?nh c? tr?ch nhi?m khai th?c v? s? d?ng th?ng tin trong C? s? d? li?u qu?c gia v? d?n c?, C? s? d? li?u cn c??c c?ng d?n tr?n c? s? trao ?i, cung c?p th?ng tin gi?a c?c c? quan qu?n l? nh? n??c.M?c 2. T? CH?C HO?T ?NG V? QU?N TR? R?I ROi?u 19. N?i dung ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?N?i dung ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? g?m:1. Cung c?p s?n ph?m b?o hi?m vi m?.2. ?u t? v?n ho?t ?ng, qu? d? tr? b?t bu?c v? v?n nh?n r?i t? d? ph?ng nghi?p v? b?o hi?m.i?u 20. C? c?u t? ch?c, qu?n l? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?1. Tr??ng h?p t? ch?c t??ng h? cung c?p b?o hi?m vi m? c? th?nh vi?n s?ng l?p l? c? nh?n quy ?nh t?i i?m a kho?n 1 i?u 149 Lu?t Kinh doanh b?o hi?m, c? c?u t? ch?c c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? bao g?m:a) ?i h?i th?nh vi?n;b) H?i ?ng qu?n tr?;c) T?ng gi?m ?c (Gi?m ?c);d) Ban ki?m so?t ho?c Ki?m so?t vi?n.2. Tr??ng h?p t? ch?c t??ng h? cung c?p b?o hi?m vi m? m? th?nh vi?n s?ng l?p l? t? ch?c ?i di?n th?nh vi?n quy ?nh t?i i?m b kho?n 1 i?u 149 Lu?t Kinh doanh b?o hi?m, c? c?u t? ch?c c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? bao g?m:a) T? ch?c ?i di?n th?nh vi?n;b) H?i ?ng qu?n tr?;c) T?ng gi?m ?c (Gi?m ?c);d) Ban ki?m so?t ho?c Ki?m so?t vi?n.i?u 21. ?i h?i th?nh vi?n1. ?i v?i c?c t? ch?c t??ng h? cung c?p b?o hi?m vi m? m? th?nh vi?n s?ng l?p l? c? nh?n, ?i h?i th?nh vi?n c? quy?n quy?t ?nh cao nh?t c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?. ?i h?i th?nh vi?n g?m ?i h?i th?nh vi?n th??ng ni?n v? ?i h?i th?nh vi?n b?t th??ng. ?i h?i th?nh vi?n ??c t? ch?c d??i h?nh th?c ?i h?i to?n th?.2. ?i h?i th?nh vi?n th??ng ni?n do H?i ?ng qu?n tr? tri?u t?p ph?i ??c h?p trong th?i h?n 03 th?ng k? t? ng?y k?t th?c nm t?i ch?nh ? quy?t ?nh c?c n?i dung sau:a) Th?ng qua b?o c?o k?t qu? ho?t ?ng trong nm c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?; b?o c?o ho?t ?ng c?a H?i ?ng qu?n tr?, Ban gi?m ?c v? Ban ki?m so?t ho?c Ki?m so?t vi?n;b) Th?ng qua ph??ng ?n, k? ho?ch ho?t ?ng v? t?i ch?nh trong nm ti?p theo c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?;c) Tr?ch l?p c?c qu? theo quy ?nh c?a ph?p lu?t; gi?m ph? b?o hi?m cho c?c th?nh vi?n trong nm t?i ch?nh ti?p theo theo ? ngh? c?a H?i ?ng qu?n tr?:d) Quy?t ?nh huy ?ng v?n b? sung;) B?u, b?i mi?n c?c th?nh vi?n c?a H?i ?ng qu?n tr? v? Ban ki?m so?t;e) Gi?i th? t? ch?c t??ng h? cung c?p b?o hi?m vi m?;g) S?a ?i, b? sung i?u l? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?;h) Th? lao cho c?c th?nh vi?n H?i ?ng qu?n tr?, Ban gi?m ?c, Ban ki?m so?t ho?c Ki?m so?t vi?n v? c?c ch?c danh kh?c (n?u c?) c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?;i) Nh?ng v?n ? kh?c theo ? ngh? b?ng vn b?n c?a H?i ?ng qu?n tr? ho?c c?a ?t nh?t 1/3 t?ng s? th?nh vi?n t? ch?c t??ng h? cung c?p b?o hi?m vi m?.?i h?i th?nh vi?n ??c ti?n h?nh khi c? ?t nh?t 75% t?ng s? th?nh vi?n; tr??ng h?p kh?ng ? s? l??ng th?nh vi?n th? ph?i ho?n ?i h?i th?nh vi?n. Sau 30 ng?y k? t? ng?y d? ?nh h?p l?n th? nh?t, cu?c h?p c?a ?i h?i th?nh vi?n l?n th? hai ??c ti?n h?nh khi c? ?t nh?t 50% t?ng s? th?nh vi?n. Tr??ng h?p cu?c h?p th? hai kh?ng ? i?u ki?n ti?n h?nh th? ti?n h?nh cu?c h?p l?n th? 3 kh?ng ph? thu?c v?o s? th?nh vi?n tham d? trong th?i h?n 20 ng?y k? t? ng?y d? ?nh h?p l?n th? 2.3. ?i h?i th?nh vi?n b?t th??ng do H?i ?ng qu?n tr?, Ban ki?m so?t ho?c Ki?m so?t vi?n ho?c th?nh vi?n ?i di?n c?a ?t nh?t m?t ph?n ba t?ng s? th?nh vi?n t? ch?c t??ng h? cung c?p b?o hi?m vi m? tri?u t?p trong nh?ng tr??ng h?p sau ?y:a) Gi?i quy?t nh?ng v?n ? v??t qu? th?m quy?n c?a H?i ?ng qu?n tr?;b) H?i ?ng qu?n tr? kh?ng t? ch?c ??c cu?c h?p ?nh k? sau hai l?n tri?u t?p;c) Theo ? ngh? c?a Ban ki?m so?t ho?c Ki?m so?t vi?n;d) Theo ? ngh? c?a ?t nh?t m?t ph?n ba t?ng s? th?nh vi?n.Trong th?i h?n 15 ng?y k? t? ng?y nh?n ??c ? ngh? c?a Ban ki?m so?t, Ki?m so?t vi?n ho?c ? ngh? c?a ?t nh?t m?t ph?n ba t?ng s? th?nh vi?n, H?i ?ng qu?n tr? ph?i tri?u t?p ?i h?i th?nh vi?n b?t th??ng. Trong tr??ng h?p qu? th?i h?n 15 ng?y m? H?i ?ng qu?n tr? kh?ng tri?u t?p ?i h?i th?nh vi?n b?t th??ng th? Ban ki?m so?t ho?c Ki?m so?t vi?n c? quy?n tri?u t?p ?i h?i th?nh vi?n.Trong th?i h?n 15 ng?y k? t? ng?y Ban ki?m so?t ho?c Ki?m so?t vi?n c? quy?n tri?u t?p m? kh?ng tri?u t?p ?i h?i th?nh vi?n b?t th??ng theo quy ?nh t?i kho?n 3 i?u n?y th? th?nh vi?n ?i di?n cho ?t nh?t m?t ph?n ba t?ng s? th?nh vi?n c? quy?n tri?u t?p ?i h?i.i?u 22. T? ch?c ?i di?n th?nh vi?n?i v?i c?c t? ch?c t??ng h? cung c?p b?o hi?m vi m? m? th?nh vi?n s?ng l?p l? t? ch?c ?i di?n th?nh vi?n, t? ch?c ?i di?n th?nh vi?n l? c? quan c? quy?n quy?t ?nh cao nh?t c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? v? c? quy?n quy?t ?nh c?c n?i dung sau:1. Th?ng qua b?o c?o k?t qu? ho?t ?ng trong nm c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?; b?o c?o ho?t ?ng c?a H?i ?ng qu?n tr?, Ban gi?m ?c v? Ban ki?m so?t ho?c Ki?m so?t vi?n.2. Th?ng qua ph??ng ?n, k? ho?ch ho?t ?ng t?i ch?nh trong nm ti?p theo c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?.3. Ho?n tr? v?n th?nh l?p ??c h? tr? t? t? ch?c ?i di?n th?nh vi?n khi t? ch?c t??ng h? cung c?p b?o hi?m vi m? c? k?t qu? ho?t ?ng l?n h?n kh?ng, ? tr?ch l?p v? duy tr? qu? d? tr? b?t bu?c kh?ng th?p h?n 50 t? ?ng theo quy ?nh t?i kho?n 2 i?u 42 Ngh? ?nh n?y.4. Tr?ch l?p c?c qu? theo quy ?nh c?a ph?p lu?t; gi?m ph? b?o hi?m cho c?c th?nh vi?n trong nm t?i ch?nh ti?p theo theo ? ngh? c?a H?i ?ng qu?n tr?.5. Quy?t ?nh huy ?ng v?n b? sung.6. B? nhi?m, b?i nhi?m c?c th?nh vi?n c?a H?i ?ng qu?n tr? v? Ban ki?m so?t.7. Gi?i th? t? ch?c t??ng h? cung c?p b?o hi?m vi m?.8. S?a ?i, b? sung i?u l? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?.9. Th? lao cho c?c th?nh vi?n H?i ?ng qu?n tr?, Ban gi?m ?c, Ban ki?m so?t ho?c Ki?m so?t vi?n v? c?c ch?c danh kh?c (n?u c?) c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?.10. Nh?ng v?n ? kh?c theo ? ngh? b?ng vn b?n c?a H?i ?ng qu?n tr? ho?c c?a ?t nh?t 1/3 t?ng s? th?nh vi?n t? ch?c t??ng h? cung c?p b?o hi?m vi m?.i?u 23. H?i ?ng qu?n tr?1. H?i ?ng qu?n tr? l? c? quan qu?n l? t? ch?c t??ng h? cung c?p b?o hi?m vi m?, c? to?n quy?n nh?n danh t? ch?c t??ng h? cung c?p b?o hi?m vi m? ? quy?t ?nh m?i v?n ? li?n quan ?n m?c ?ch, quy?n l?i c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?, tr? nh?ng v?n ? thu?c th?m quy?n c?a ?i h?i th?nh vi?n ho?c T? ch?c ?i di?n th?nh vi?n. H?i ?ng qu?n tr? do ?i h?i th?nh vi?n b?u (?i v?i t? ch?c t??ng h? cung c?p b?o hi?m vi m? do th?nh vi?n s?ng l?p) ho?c do T? ch?c ?i di?n th?nh vi?n ch? ?nh (?i v?i t? ch?c t??ng h? cung c?p b?o hi?m vi m? do T? ch?c ?i di?n th?nh vi?n th?nh l?p).2. H?i ?ng qu?n tr? h?p t?i thi?u ?nh k? hai l?n m?t nm, th?c hi?n c?c quy?n v? nhi?m v? sau ?y:a) Quy?t ?nh chi?n l??c ph?t tri?n c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?;b) Ki?n ngh? ?i h?i th?nh vi?n ho?c T? ch?c ?i di?n th?nh vi?n quy?t ?nh vi?c tng, gi?m ph? b?o hi?m cho c?c th?nh vi?n trong nm t?i ch?nh ti?p theo; quy?t ?nh ho?c x? l? c?c kho?n l? ph?t sinh trong qu? tr?nh ho?t ?ng;c) Quy?t ?nh ph??ng ?n ?u t?;d) Quy?t ?nh gi?i ph?p ph?t tri?n ho?t ?ng v? c?ng ngh?; th?ng qua h?p ?ng c? gi? tr? b?ng ho?c l?n h?n 50% t?ng gi? tr? t?i s?n ??c ghi trong s? k? to?n c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? ho?c t? l? kh?c nh? h?n ??c quy ?nh t?i i?u l? t? ch?c t??ng h? cung c?p b?o hi?m vi m?;) B? nhi?m, mi?n nhi?m, c?ch ch?c T?ng gi?m ?c (Gi?m ?c) v? c?n b? qu?n l? quan tr?ng kh?c c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?; quy?t ?nh m?c l??ng v? l?i ?ch kh?c c?a c?c c?n b? qu?n l? ?;e) Quy?t ?nh c? c?u t? ch?c, quy ch? qu?n l? n?i b? t? ch?c t??ng h? cung c?p b?o hi?m vi m?;g) Tr?nh b?o c?o quy?t to?n t?i ch?nh h?ng nm l?n ?i h?i th?nh vi?n, T? ch?c ?i di?n th?nh vi?n;h) Duy?t ch??ng tr?nh, n?i dung t?i li?u ph?c v? h?p ?i h?i th?nh vi?n, tri?u t?p h?p ?i h?i th?nh vi?n ho?c th?c hi?n c?c th? t?c h?i ? ki?n ? ?i h?i th?nh vi?n th?ng qua quy?t ?nh;i) C?c quy?n v? nhi?m v? kh?c theo quy ?nh c?a ph?p lu?t v? i?u l? t? ch?c t??ng h? cung c?p b?o hi?m vi m?.i?u 24. Ch? t?ch H?i ?ng qu?n tr?, T?ng gi?m ?c ho?c Gi?m ?c1. Ng??i ?i di?n theo ph?p lu?t c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? l? Ch? t?ch H?i ?ng qu?n tr? ho?c T?ng gi?m ?c ho?c Gi?m ?c. Tr??ng h?p i?u l? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? kh?ng quy ?nh th? ng??i ?i di?n theo ph?p lu?t l? T?ng gi?m ?c ho?c Gi?m ?c.2. T?ng gi?m ?c ho?c Gi?m ?c l? ng??i i?u h?nh ho?t ?ng h?ng ng?y c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? v? ch?u tr?ch nhi?m tr??c H?i ?ng qu?n tr? v? vi?c th?c hi?n c?c nhi?m v? ??c giao.3. Ch? t?ch H?i ?ng qu?n tr?, T?ng gi?m ?c ho?c Gi?m ?c ph?i ?p ?ng c?c ti?u chu?n chung sau:a) Kh?ng ph?i l? ng??i ang b? truy c?u tr?ch nhi?m h?nh s? ho?c ng??i b? k?t ?n m? ch?a ??c x?a ?n t?ch theo quy ?nh;b) C? b?ng t? ?i h?c tr? l?n v? b?o hi?m, t?i ch?nh, ng?n h?ng. Tr??ng h?p c? b?ng t? ?i h?c tr? l?n v? chuy?n ng?nh kh?c th? ph?i c? ch?ng ch? ?o t?o v? b?o hi?m do c?c c? s? ?o t?o v? b?o hi?m ??c th?nh l?p v? ho?t ?ng h?p ph?p trong ho?c ngo?i n??c c?p;c) Ngo?i c?c ti?u chu?n quy ?nh t?i i?m a v? i?m b kho?n n?y, T?ng gi?m ?c ho?c Gi?m ?c c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i c? ?t nh?t 03 nm kinh nghi?m l?m vi?c trong l)nh v?c b?o hi?m.i?u 25. Ti?u chu?n, i?u ki?n c?a Chuy?n gia t?nh to?n b?o hi?m vi m?1. Chuy?n gia t?nh to?n b?o hi?m vi m? ph?i ?p ?ng c?c ti?u chu?n, i?u ki?n sau:a) Kh?ng ph?i l? ng??i ang b? truy c?u tr?ch nhi?m h?nh s? ho?c ng??i b? k?t ?n m? ch?a ??c x?a ?n t?ch theo quy ?nh;b) L? th?nh vi?n (Associate) c?a H?i c?c nh? t?nh to?n b?o hi?m ang l? th?nh vi?n ch?nh th?c c?a H?i c?c nh? t?nh to?n b?o hi?m qu?c t? ho?c c? t?i thi?u 05 nm kinh nghi?m l?m vi?c trong l)nh v?c b?o hi?m v? c? b?ng ch?ng ch?ng minh ? thi ?t t?i thi?u 02 m?n thi (exam) c?a m?t trong c?c H?i sau: H?i c?c nh? t?nh to?n b?o hi?m V??ng qu?c Anh. H?i c?c nh? t?nh to?n b?o hi?m Hoa K?, H?i c?c nh? t?nh to?n b?o hi?m ?c, H?i c?c nh? t?nh to?n b?o hi?m Ca-na-a ho?c ? thi ?t c?c m?n thi theo kh?a h?c, ch??ng tr?nh ?o t?o chuy?n ng?nh t?nh to?n ??c c?c H?i tr?n c?ng nh?n t??ng ??ng v?i 02 m?n thi c?a H?i.Sau 05 nm k? t? ng?y Ngh? ?nh n?y c? hi?u l?c, Chuy?n gia t?nh to?n b?o hi?m vi m? ph?i t?i thi?u l? th?nh vi?n (Associate) c?a H?i c?c nh? t?nh to?n b?o hi?m ang l? th?nh vi?n ch?nh th?c c?a H?i c?c nh? t?nh to?n b?c hi?m qu?c t?.2. T? ch?c t??ng h? cung c?p b?o hi?m vi m? ??c s? d?ng Chuy?n gia t?nh to?n b?o hi?m vi m? theo c?c h?nh th?c sau:a) K? h?p ?ng lao ?ng v?i Chuy?n gia t?nh to?n b?o hi?m vi m?;b) Th?a thu?n giao k?t h?p ?ng thu? ngo?i v?i t? ch?c, c? nh?n kh?c ? th?c hi?n c?c nhi?m v? c?a Chuy?n gia t?nh to?n b?o hi?m vi m? quy ?nh t?i kho?n 3 i?u n?y. Trong tr??ng h?p n?y, t? ch?c t??ng h? cung c?p b?o hi?m vi m? v?n ph?i ch?u tr?ch nhi?m cu?i c?ng v? duy nh?t ?i v?i th?nh vi?n tham gia b?o hi?m vi m?.3. T? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i s? d?ng chuy?n gia t?nh to?n ?p ?ng ti?u chu?n, i?u ki?n quy ?nh t?i kho?n 1 i?u n?y ? th?c hi?n c?c nhi?m v? sau:a) T?nh to?n ph? b?o hi?m; h?ng nm ?nh gi? ch?nh l?ch gi?a c?c gi? ?nh t?nh ph? so v?i th?c t? tri?n khai c?a t?ng s?n ph?m, t?nh to?n v? i?u ch?nh l?i ph? b?o hi?m v?o nm sau, ph??ng ?n s? d?ng k?t qu? ho?t ?ng;b) T?nh to?n vi?c tr?ch l?p d? ph?ng nghi?p v? b?o hi?m theo quy ?nh c?a ph?p lu?t;c) ?nh k? h?ng qu? v? h?ng nm, b?o c?o b?ng vn b?n cho H?i ?ng qu?n tr?, T?ng gi?m ?c (Gi?m ?c) v? th?c tr?ng t?nh h?nh t?i ch?nh, t?nh h?nh ho?t ?ng ?u t? c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?, trong ? n?u c?c r?i ro ph?t sinh v? ? xu?t v? t?i s?n ?u t?, th?i h?n ?u t? c?a t?ng lo?i t?i s?n ?m b?o t??ng x?ng gi?a th?i h?n c?a t?i s?n ?u t? v?i c?c tr?ch nhi?m ? cam k?t theo h?p ?ng b?o hi?m;d) B?o c?o k?p th?i b?ng vn b?n cho T?ng gi?m ?c (Gi?m ?c), H?i ?ng qu?n tr? v? m?i v?n ? b?t th??ng c? kh? nng ?nh h??ng b?t l?i t?i t?nh h?nh t?i ch?nh c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? v? ? xu?t bi?n ph?p kh?c ph?c.d) ?nh gi? ch??ng tr?nh t?i b?o hi?m v? c?c h?p ?ng t?i b?o hi?m (n?u c?) tr??c khi tr?nh T?ng gi?m ?c (Gi?m ?c), H?i ?ng qu?n tr? ph? duy?t;e) B?o c?o B? T?i ch?nh ?nh k? h?ng nm v? c?c v?n ? li?n quan ?n nhi?m v? c?a m?nh theo M?u s? 11 quy ?nh t?i Ph? l?c ban h?nh k?m theo Ngh? ?nh n?y, trong th?i h?n ch?m nh?t l? 90 ng?y k? t? ng?y k?t th?c nm t?i ch?nh;g) C?c nhi?m v? kh?c ? ?m b?o an to?n t?i ch?nh cho t? ch?c t??ng h? cung c?p b?o hi?m vi m?.i?u 26. Qu?n tr? r?i ro1. T? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i th?nh l?p Ban ki?m so?t ho?c ch? ?nh Ki?m so?t vi?n theo quy ?nh t?i i?u 27 Ngh? ?nh n?y.2. T? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i x?y d?ng, tri?n khai th?c hi?n: c?c quy ch? ph?n c?ng tr?ch nhi?m trong n?i b?; quy tr?nh nghi?n c?u ph?t tri?n s?n ph?m, khai th?c, th?m ?nh, b?i th??ng, t?i b?o hi?m v? c?c quy tr?nh nghi?p v? kh?c.3. T? ch?c t??ng h? cung c?p b?o hi?m vi m? ph?i th??ng xuy?n ki?m tra, gi?m s?t vi?c ch?p h?nh ph?p lu?t, c?c quy tr?nh nghi?p v? v? quy ?nh n?i b?. Ho?t ?ng ki?m tra, gi?m s?t ph?i ?c l?p v?i c?c ho?t ?ng nghi?p v? b?o hi?m v? b?o ?m ?nh gi?, ph?t hi?n k?p th?i m?i r?i ro c? nguy c? ?nh h??ng x?u ?n hi?u qu? v? m?c ti?u ho?t ?ng c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?, ph?n ?nh k?p th?i v?i c?p c? th?m quy?n c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m? ? c? bi?n ph?p x? l? th?ch h?p.4. K?t qu? ki?m tra, gi?m s?t ph?i ??c l?p th?nh vn b?n v? l?u gi? t?i t? ch?c t??ng h? cung c?p b?o hi?m vi m?.i?u 27. Ban ki?m so?t, Ki?m so?t vi?n1. Ban ki?m so?t, Ki?m so?t vi?n ??c ?i h?i th?nh vi?n b?u (?i v?i tr??ng h?p t? ch?c t??ng h? c? th?nh vi?n s?ng l?p l? c? nh?n) ho?c do T? ch?c ?i di?n th?nh vi?n ch? ?nh (?i v?i tr??ng h?p t? ch?c t??ng h? c? th?nh vi?n s?ng l?p l? t? ch?c ?i di?n th?nh vi?n).2. 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Tr?i phi?u Ch?nh ph?II. ?u t? qu? d? tr? b?t bu?c1. G?i ti?n t?i c?c ng?n h?ng th??ng m?i- C?c kho?n ti?n g?i d??i 03 th?ng- C?c kho?n ti?n g?i tr?n 03 th?ng v? d??i 01 nm- C?c kho?n ti?n g?i > 01 nm2. Tr?i phi?u Ch?nh ph?III. ?u t? v?n nh?n r?i t? d? ph?ng nghi?p v?1. G?i ti?n t?i c?c ng?n h?ng th??ng m?i- C?c kho?n ti?n g?i d??i 03 th?ng- C?c kho?n ti?n g?i tr?n 03 th?ng v? d??i 01 nm- C?c kho?n ti?n g?i > 01 nm2. Tr?i phi?u Ch?nh ph?Ch?ng t?i xin ?m b?o nh?ng th?ng tin tr?n l? ?ng s? th?c. NG??I L?P BI?U (K? v? ghi r? h? t?n) ?a i?m, ng?y th?ng nm NG??I ?I DI?N THEO PH?P LU?T (K? t?n, ?ng d?u)  M?u s? 09B?O C?O T?NH TR?NG H?P ?NG B?O HI?M VI M?- T?n t? ch?c t??ng h? cung c?p b?o hi?m vi m?:- B?o c?o Qu?/Nm:?n v?: Tri?u ?ngTTCh? ti?uS? l??ng h?p ?ngS? ti?n b?o hi?mHo?n tr? ph? b?o hi?mChi tr? s? ti?n b?o hi?mI.H?p ?ng b?o hi?m h?y b? trong th?i gian c?n nh?cChi ti?t theo t?ng s?n ph?mII.H?p ?ng b?o hi?m ch?m d?t do x?y ra s? ki?n b?o hi?mChi ti?t theo t?ng s?n ph?mIII.H?p ?ng b?o hi?m ch?m d?t do h?y b? trong k?Chi ti?t theo t?ng s?n ph?mIV.H?p ?ng b?o hi?m ?o h?nChi ti?t theo t?ng s?n ph?mV.T?nh tr?ng kh?cChi ti?t theo t?ng s?n ph?mCh?ng t?i xin ?m b?o nh?ng th?ng tin tr?n l? ?ng s? th?c. NG??I L?P BI?U (K? v? ghi r? h? t?n) ?a i?m, ng?y th?ng nm NG??I ?I DI?N THEO PH?P LU?T (K? t?n, ?ng d?u) M?u s? 10B?O C?O TR?CH L?P D? PH?NG NGHI?P V? B?O HI?M- T?n t? ch?c t??ng h? cung c?p b?o hi?m vi m?:- B?o c?o Qu?/Nm: ?n v?: tri?u ?ngCh? ti?uD? ph?ng ? tr?ch l?p ?u k?D? ph?ng ph?i tr?ch l?p cu?i k?D? ph?ng ph?i tr?ch trong k?I. D? ph?ng ph? ch?a ??c h??ngChi ti?t theo t?ng s?n ph?mII. D? ph?ng b?i th??ng1. D? ph?ng b?i th??ng cho c?c y?u c?u tr? ti?n b?o hi?m, ?i b?i th??ng thu?c tr?ch nhi?m b?o hi?m nh?ng ch?a ??c gi?i quy?tChi ti?t theo t?ng s?n ph?m2. D? ph?ng b?i th??ng cho c?c t?n th?t ? ph?t sinh thu?c tr?ch nhi?m b?o hi?m nh?ng ch?a th?ng b?o ho?c ch?a y?u c?u tr? ti?n b?o hi?m, ?i b?i th??ngChi ti?t theo t?ng s?n ph?mIII. D? ph?ng b?o ?m c?n ?iCh?ng t?i xin ?m b?o nh?ng th?ng tin tr?n l? ?ng s? th?c. NG??I L?P BI?U (K? v? ghi r? h? t?n) CHUY?N GIA T?NH TO?N B?O HI?M VI M? (K? v? ghi r? h? t?n)?a i?m, ng?y th?ng nm NG??I ?I DI?N THEO PH?P LU?T (K? t?n, ?ng d?u) M?u s? 11B?O C?O C?A CHUY?N GIA T?NH TO?N B?O HI?M VI M?- T?n t? ch?c t??ng h? cung c?p b?o hi?m vi m?:- Th?i k? b?o c?o: T? 01/01/nm... ?n 31/12/nm...I. B?O C?O V? S?N PH?M B?O HI?M?nh gi? ch?nh l?ch gi?a c?c gi? ?nh t?nh ph? so v?i th?c t? tri?n khai c?a t?ng s?n ph?mT?n s?n ph?mGi? ?nh t?nh ph? (chi ti?t)Th?c t? tri?n khai (chi ti?t)Ch?nh l?ch gi?a c?c gi? ?nh t?nh ph? so v?i th?c t? tri?n khai t?ng s?n ph?m (chi ti?t)Nh?n x?t, ?nh gi? c?a chuy?n gia t?nh to?n b?o hi?m vi m?Ph??ng ?n x? l? (*)- S?n ph?m A....- S?n ph?m B....(*) ?i v?i tr??ng h?p ph? b?o hi?m kh?ng b?o ?m an to?n t?i ch?nh c?a t? ch?c t??ng h? cung c?p b?o hi?m vi m?.II. B?O C?O V? VI?C TR?CH L?P D? PH?NG NGHI?P V? B?O HI?M THEO QUY ?NH PH?P LU?TB?o c?o chi ti?t ph??ng ph?p tr?ch l?p d? ph?ng nghi?p v? b?o hi?m v? k?t qu? tr?ch l?p, ?m b?o ph?n ?nh ch?nh x?c, ?y ? tr?ch nhi?m t? ch?c t??ng h? cung c?p b?o hi?m vi m? theo quy ?nh ph?p lu?t.III. B?O C?O ?NH GI? T?NH H?NH TR? TI?N B?O HI?M, B?I TH??NG B?O HI?MB?o c?o, ?nh gi? chi ti?t t?nh h?nh tr? ti?n b?o hi?m, b?i th??ng b?o hi?m theo t?ng s?n ph?m b?o hi?m v? ki?n ngh?, ? xu?t.IV. B?O C?O VI?C TH?C HI?N NHI?M V? 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