Câu hỏi 237: Loại trừ bảo hiểm trong bảo hiểm tiền được quy định như thế nào?

Câu hỏi 237: Loại trừ bảo hiểm trong bảo hiểm tiền được quy định như thế nào?

         Trả lời:


Trong bảo hiểm tiền cất giữ trong kho và bảo hiểm tiền trong quá trình vận chuyển, các loại trừ thay đổi tuỳ theo từng đơn bảo hiểm. Các trường hợp dưới đây là điển hình trong việc tăng thêm loại trừ đối với từng đơn bảo hiểm (trừ loại trừ thông thường là rủi ro chiến tranh, nhiễm phóng xạ…)


Các DNBH không chịu trách nhiệm thanh toán đối với các tổn thất do:


– Mất mát không rõ lý do;


– Sự không trung thực của người làm công không được phát hiện trong một thời gian ngắn;


– Tịch thu, quốc hữu hoá hoặc huỷ bỏ có chủ tâm bởi các cấp có thẩm quyền;


– Thiếu tiền do sai sót hay chểnh mảng;


– Tổn thất, huỷ hoại hoặc thiệt hại phát sinh bên ngoài lãnh thổ quốc gia;


– Tổn thất có thể thu hồi lại được nhờ việc thực hiện công việc trung thực của người được bảo hiểm;


– Tổn thất do két an toàn hoặc phòng an toàn bị mở bởi chìa khoá mà chủ cửa hàng bỏ quên trong khi đóng cửa (điều này được biết đến như là điều khoản chìa khoá, nó là điều kiện để các chìa khoá phải được cất giữ an toàn sau thời điểm kinh doanh và được giữ bởi một thành viên có thâm niên trong số các nhân viên của người được bảo hiểm);


– Tổn thất do mất giá;


– Tổn thất do phương tiện không được trông giữ;


– Mất tiền xu hoặc các hiện vật có giá trị tương tự trong các máy hoạt động bằng tiền xu.


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