DN bảo hiểm nhân thọ không được kinh doanh bảo hiểm phi nhân thọ

Doanh nghiệp bảo hiểm nhân thọ không được phép kinh doanh các nghiệp vụ bảo hiểm phi nhân thọ và ngược lại.

 

Đây là quy định tại Nghị định số 73/2016/NĐ-CP quy định chi tiết thi hành Luật kinh doanh bảo hiểm và Luật sửa đổi, bổ sung một số điều của Luật kinh doanh bảo hiểm.

Bên cạnh đó, Nghị định cũng quy định, doanh nghiệp bảo hiểm nhân thọ, doanh nghiệp bảo hiểm phi nhân thọ, doanh nghiệp bảo hiểm sức khỏe, doanh nghiệp tái bảo hiểm (doanh nghiệp bảo hiểm), chi nhánh doanh nghiệp bảo hiểm phi nhân thọ nước ngoài (chi nhánh nước ngoài) được phép hoạt động theo các nội dung quy định tại khoản 1 Điều 60 Luật kinh doanh bảo hiểm.

Doanh nghiệp bảo hiểm nhân thọ và doanh nghiệp bảo hiểm phi nhân thọ được phép kinh doanh nghiệp vụ bảo hiểm sức khỏe.

Chi nhánh nước ngoài chỉ được kinh doanh các nghiệp vụ, sản phẩm bảo hiểm mà doanh nghiệp bảo hiểm phi nhân thọ nước ngoài được kinh doanh theo quy định của nước nơi doanh nghiệp đóng trụ sở chính.

Không được ép mua bảo hiểm 

Ngoài ra, Nghị định cũng quy định doanh nghiệp bảo hiểm, chi nhánh nước ngoài được quyền chủ động bán sản phẩm bảo hiểm dưới các hình thức: trực tiếp; thông qua đại lý bảo hiểm, môi giới bảo hiểm; thông qua đấu thầu; thông qua giao dịch điện tử và các hình thức khác phù hợp với quy định pháp luật.

Doanh nghiệp bảo hiểm, chi nhánh nước ngoài chỉ được bán sản phẩm bảo hiểm phù hợp với nội dung, phạm vi hoạt động quy định trong Giấy phép.

Đồng thời, doanh nghiệp bảo hiểm, chi nhánh nước ngoài không được ép buộc các tổ chức, cá nhân mua bảo hiểm dưới mọi hình thức.

Nghị định nêu rõ, việc mua, bán bảo hiểm thông qua hình thức đấu thầu phải tuân thủ các quy định pháp luật về đấu thầu và quy định về quy tắc, điều khoản, biểu phí bảo hiểm.

Theo (BaoChinhPhu)

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