Câu hỏi 35. Sau khi nhận bảo hiểm, DNBH tái bảo hiểm cho các DNBH khác có ảnh hưởng gì đến quyền lợi nghĩa vụ của người mua bảo hiểm không?

Câu hỏi 35. Sau khi nhận bảo hiểm, DNBH tái bảo hiểm cho các DNBH khác có ảnh hưởng gì đến quyền lợi nghĩa vụ của người mua bảo hiểm không?

Trả lời:

Điều kiện và cách thức bồi thường được cam kết hợp đồng bảo hiểm là trách nhiệm DNBH đã nhận bảo hiểm. Việc tái bảo hiểm như thế nào, có đòi được công ty nhận tái bảo hiểm bồi thường hay không là việc riêng của DNBH. Dù thế nào đi nữa, DNBH là người chịu trách nhiệm bồi thường tổn thất thuộc rủi ro được bảo hiểm gây ra cho người tham gia bảo hiểm. Điều 27 Luật KDBH quy định rõ: 

“1. Doanh nghiệp bảo hiểm chịu trách nhiệm duy nhất đối với bên mua bảo hiểm theo hợp đồng bảo hiểm, kể cả trong trường hợp tái bảo hiểm những trách nhiệm đã nhận bảo hiểm.

2. Doanh nghiệp nhận tái bảo hiểm không được yêu cầu bên mua bảo hiểm trực tiếp đóng phí bảo hiểm cho mình, trừ trường hợp có thoả thuận khác trong hợp đồng bảo hiểm. 

3. Bên mua bảo hiểm không được yêu cầu doanh nghiệp nhận tái bảo hiểm trả tiền bảo hiểm hoặc bồi thường cho mình, trừ trường hợp có thoả thuận khác trong hợp đồng bảo hiểm.”


Tuy nhiên, nếu tái bảo hiểm cho doanh nghiệp bảo hiểm có khả năng tài chính yếu khi tổn thất lớn xảy ra, doanh nghiệp nhận tái bảo hiểm có thể phá sản sẽ làm ảnh hưởng tới doanh nghiệp bảo hiểm. Doanh nghiệp bảo hiểm này vẫn phải có nghĩa vụ bồi thường đầy đủ cho khách hàng. Vì vậy, Bộ Tài chính có quy định rõ ràng chỉ tái bảo hiểm cho công ty bảo hiểm nước ngoài đạt tiêu chuẩn xếp hạng từ BBB trở lên theo xếp hạng quốc tế.


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