Decision No. 28/2007/QD-BTC of the Ministry of Finance issues Rules and Premium Rates for Compulsory Fire and Explosion Insurance pursuant to the Law on Insurance Business and related Decrees. Insurance companies have the right to adjust premium rates within 25% compared to the published premium rates. For premises with special fire and explosion hazards, insurance companies and policyholders may negotiate insurance conditions and premiums.
적용 범위
Insurance companies, policyholders, and premises with special fire and explosion hazards.
핵심 사항
- Insurance companies → have the right to adjust premium rates up or down within 25% compared to the Premium Rates issued in this Decision.
- For premises with special fire and explosion hazards not mentioned or inadequately covered in the Rules and Premium Rates issued by the Ministry of Finance → insurance companies and policyholders may negotiate insurance conditions and premiums.
- This Decision takes effect 15 days after its publication in the Official Gazette.
- Premises with special fire and explosion hazards → must report to the Ministry of Finance for monitoring and management.
🌐 이 문서의 사회적 영향
- Positive impact: Helps ensure safety for premises with special fire and explosion hazards through appropriate adjustment of insurance premiums based on actual conditions.
- Negative impact: May cause difficulties in management and supervision due to the provision allowing negotiation between insurance companies and policyholders.
❓ 자주 묻는 질문
What range can insurance companies adjust their premium rates?
Insurance companies may independently adjust their premium rates up or down within 25% compared to the Premium Rates issued in this Decision.
Who can negotiate about insurance conditions and premiums?
For premises with special fire and explosion hazards not mentioned or inadequately covered in the Rules and Premium Rates issued by the Ministry of Finance, insurance companies and policyholders may negotiate insurance conditions and premiums.
When does this Decision take effect?
This Decision takes effect 15 days after its publication in the Official Gazette.
What must premises with special fire and explosion hazards do?
Premises with special fire and explosion hazards must report to the Ministry of Finance for monitoring and management.
How does this Decision apply to insurance companies?
This Decision requires insurance companies to adjust their premium rates within 25% compared to the Premium Rates issued in this Decision.
전문
DECISION
Regarding the issuance of the Rules and Premium Schedule for Compulsory Fire and Explosion Insurance
____________________________
THE MINISTER OF FINANCE
Pursuant to the Law on Insurance Business No. 24/2000/QH10 dated December 9, 2000;
Pursuant to the Government Decree No. 45/2007/NĐ-CP dated March 27, 2007 detailing the implementation of certain provisions of the Law on Insurance Business;
Pursuant to the Government Decree No. 77/2003/NĐ-CP dated August 1, 2003 stipulating the functions, tasks, powers, and organizational structure of the Ministry of Finance;
Pursuant to the Government Decree No. 35/2003/NĐ-CP dated April 4, 2003 detailing the implementation of certain provisions of the Law on Fire Prevention and Fighting;
Pursuant to the Government Decree No. 130/2006/NĐ-CP dated November 8, 2006 stipulating the compulsory fire and explosion insurance system;
At the proposal of the Head of the Insurance Department.
DECISION:
Article 1. The Rules and Premium Schedule for Compulsory Fire and Explosion Insurance are hereby issued together with this Decision.
Article 2. Based on ensuring payment capability, insurance companies are authorized to adjust the premium level up or down within 25% compared to the Premium Schedule issued in this Decision, in accordance with the conditions and terms of the concluded insurance contracts.
Article 3. For facilities with specific fire and explosion hazards not adequately addressed in the Rules and Premium Schedule issued by the Ministry of Finance, insurance companies and policyholders may negotiate the insurance conditions and premiums to promptly conduct insurance and must report to the Ministry of Finance for monitoring and management.
Article 4. The Standard Measurement Quality Control Department shall be responsible for organizing and guiding the implementation of the Regulations adopted herein.
Article 5. The Head of the Insurance Department, the Director of the Ministry of Finance’s Office, and the Heads of related units shall be responsible for inspecting and supervising the implementation of this Decision./.
관계도
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