Một số lưu ý khi mua bảo hiểm tài sản

Bảo hiểm tài sản là một trong những loại bảo hiểm phi nhân thọ mà các sản phẩm rất phổ biến và cần thiết trong thời gian qua tại Việt Nam. Tác giả liệt kê dưới đây một số điểm pháp lý đáng quan tâm khi doanh nghiệp bỏ tiền ra mua một sản phẩm bảo hiểm cho tài sản của mình.1. Bảo hiểm tài sản có 02 loại (i) bắt buộc phải mua bảo hiểm, bao gồm các loại như bảo hiểm cháy nổ, bảo hiểm trách nhiệm dân sự của chủ xe cơ giới, bảo hiểm trách nhiệm nghề nghiệp đối với hoạt động tư vấn pháp luật, bảo hiểm trách nhiệm nghề nghiệp của doanh nghiệp môi giới bảo hiểm … và (ii) bảo hiểm tài sản tự nguyện, tức chủ tài sản mua bảo hiểm để được bồi thường nếu chẳng may xảy ra sự kiện bảo hiểm hoặc vì một mục đích hợp pháp của mình.

2. Hợp đồng bảo hiểm do Nhà bảo hiểm giao kết với bên mua bảo hiểm gồm 2 loại điều khoản:

(i) Điều khoản chung và bắt buộc: đã được chấp thuận bởi cơ quan chức năng; và

(ii) Điều khoản bổ sung: Bên mua bảo hiểm có thể thương thảo các điều khoản liên quan đến đối tượng bảo hiểm với Nhà bảo hiểm tại vấn đền này.

3. Bảo hiểm tài sản có thể có nhiều gói khác nhau với thời gian khác nhau, có thể 3 – 6 – 9 hoặc 12 tháng và với các điều khoản tương ứng cho từng loại. Tuy là bảo hiểm theo quy tắc với điều khoản như đề cập ở trên, nhưng khi thương thảo với Nhà bảo hiểm vẫn có thể xem xét lại các điều khoản chung bằng việc đề nghị các điều khoản bổ sung, thậm chí dùng các điều khoản bổ sung để phủ định điều khoản chính.

4. Danh mục tài sản trên đơn yêu cầu bảo hiểm phải cụ thể, giá trị đúng ở mức tương đối nhưng không quá cách xa giá trị thật. Danh mục tài sản nên được đính kèm và đóng dấu giáp lai cùng với Hợp Đồng Bảo Hiểm và cả Giấy Chứng Nhận Bảo Hiểm.

5. Khi nào thì nên sử dụng dịch vụ môi giới bảo hiểm? Bên môi giới là bên am hiểu thị trường, chỉ khảo sát giá, tư vấn và “kê lên” cho Nhà bảo hiểm với mức là 30 -40%, tức khi đó bảo phí sẽ tăng lên nếu qua môi giới. Tuy nhiên, khi có sự kiện BH, bên môi giới sẽ chuyển toàn bộ yêu cầu và/hoặc khiếu nại cho Nhà bảo hiểm mà không trực tiếp giải quyết điều này. Do vậy, chỉ sử dụng dịch vụ của môi giới bảo hiểm khi cần thiết hoặc giá trị tài sản bảo hiểm cao.

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