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THE GOVERNMENT
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THE SOCIALIST REPUBLIC OF VIETNAM
Independence - Freedom - Happiness
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No. 23/2018/ND-CP
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Hanoi, February 23, 2018
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DECREE
ON COMPULSORY FIRE AND EXPLOSION
INSURANCE
Pursuant
to the Law on Government Organization dated June 19, 2015;
Pursuant
to the Law on Insurance Business dated December 09, 2000 and the Law on
amendments to some articles of the Law on Insurance Business dated November 24,
2010;
Pursuant
to the Law on Fire Prevention and Fighting dated June 29, 2001 and the Law on
amendments to some articles of the Law on Fire Prevention and Fighting dated
November 22, 2013;
At the
request of the Minister of Finance;
The
Government hereby promulgates a Decree on compulsory fire and explosion
insurance.
Chapter I
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Article 1. Scope
This
Decree provides for compulsory fire and explosion insurance:
1.
Conditions for sale or purchase of compulsory insurance, insurance premiums;
minimum sum insured.
2.
Transfer, management and use of revenue from sale of fire and explosion
insurance for fire prevention and fighting purposes.
3.
Responsibilities of relevant Ministries and authorities, and insurance
enterprises for compulsory fire and explosion insurance.
Article 2. Regulated entities
This
Decree applies to:
1.
Organizations and individuals having facilities facing fire hazard (hereinafter
referred to as “insured facilities”) specified in the Appendix II enclosed with
the Government’s Decree No. 79/2014/ND-CP and amendments thereto (if any).
2.
Non-life insurance enterprises, branches of foreign non-life insurance
enterprises in Vietnam (hereinafter referred to as “insurer”).
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Article 3. Rules for participation in compulsory fire and
explosion insurance
1.
Organizations and individuals specified in Clause 1, Article 2 of this Decree
(hereinafter referred to as “the policyholder”) must purchase compulsory fire
and explosion insurance from insurers that sell fire and explosion insurance in
accordance with regulations of law.
2. The
conditions for purchase and sale of insurance, insurance premiums and minimum
sum insured are specified in this Decree.
In
addition to compulsory fire and explosion insurance specified in this Decree,
the policyholder and the insurer may agree on additional insurance conditions
or increase in the sum insured and insurance premiums. In this case, the
insurer shall separate the compulsory fire and explosion insurance in the
insurance contract.
3. The insurer
may refuse to sell compulsory fire and explosion insurance in the following
cases:
a) The
facility has not undergone fire safety inspection in accordance with
regulations of law.
b) The
facility does not have a record on fire safety inspection by the fire
department or the record expires 01 year from the date on which it is made to
the date on which compulsory fire and explosion insurance is purchased.
c) The
facility is temporarily suspended or suspended due to violations of fire safety
regulations.
4. The
policyholder may include the expenses for purchase of compulsory fire fighting
and prevention in the prices of products and services (applicable to
manufacturing and trading facilities) or in recurrent expenditures (applicable
to state administrative authorities, public service providers, socio-political
organizations and other organizations).
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Chapter II
SPECIFIC PROVISIONS
Section 1: CONDITIONS FOR SALE OR PURCHASE OF COMPULSORY
INSURANCE, INSURANCE PREMIUMS; MINIMUM SUM INSURED
Article 4. Insured property
1.
Insured property is the property of the insured facility, including:
a)
Houses, works and properties on houses and works; machines, equipment.
b) Goods
and supplies (including materials, finished goods, semi-finished goods).
2. The
insured property and its location must be specified in the insurance contract
and insurance certificate.
Article 5. Minimum sum insured
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2. In
case of failure to determine the market value of the properties, the sum
insured shall be agreed upon by the parties as follows:
a) For
the properties specified in Point a, Clause 1, Article 4 of this Decree, the
sum insured is the remaining value or the replacement value of the properties
on the inception date.
b) For
the properties specified in Point b, Clause 1, Article 4 of this Decree, the
sum insured is the monetary value of the properties according to valid vouchers
or relevant documents.
Article 6. Insurance coverage and insurance exclusions
1.
Insurance coverage
The
insurer shall indemnify for any damage to the policyholder specified in Clause
1, Article 4 of this Decree, which arises from fire and explosion risk, except
those specified in Clause 2 of this Article.
2.
Insurance exclusions
a) For
the insured facilities mentioned in Clause 1, Article 2 of this Decree (except
nuclear facilities), the insurer shall not be liable to indemnify in the
following cases:
- Earthquakes,
volcanic eruptions or other convulsions of nature.
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- Damage
occasioned by burning or explosion of properties according to regulations of a
competent authority.
- Damage
occasioned by property’s own fermentation or natural heating; property's
undergoing any process involving the application of heat.
- Damage
occasioned by direct hit of lightning strike without causing fire or explosion.
- Fire
and explosion caused by nuclear weapon materials.
- Damage
to any electrical machine, apparatus, or any portion of the electrical
installation occasioned by over-running, excessive pressure, short circuiting,
self heating, arcing or leakage of electricity arising from whatever cause,
lightning included.
- Damage
occasioned by malicious act of the insured or by deliberate violation of fire
safety regulations and direct cause of fire or explosion.
- Damage
to data, software and computer programs.
- Damage
occasioned by the burning of forests, bush, prairie or the clearing of lands by
fire.
b) For
the nuclear facilities, the insurer and the policyholder shall reach an
agreement on insurance exclusions with the reinsurer’s approval.
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1. Insurance
premiums
The
insurance premiums specified in Section I, Appendix II enclosed with this
Decree shall be applied to the insured facilities specified in Clause 1,
Article 2 of this Decree. To be specific:
a) If the
total sum insured on a single facility (except nuclear facilities) is less than
VND 1,000 billion, the insurance premiums are provided in Clause 1, Section I,
Appendix II hereof.
The
insurer and the policyholder may increase the insurance premiums applied to
each insured facility according to its risk level and regulations of law.
b) If the
total sum insured on a single facility (except nuclear facilities) is VND 1,000
billion or over or the insured facility is a nuclear facility, the insurer and
the policyholder shall reach an agreement on the insurance premiums in
accordance with regulations of law and with the reinsurer’s approval.
2.
Deductible
A
deductible is the amount of money a policyholder must pay upon the occurrence
of each insured event, specified in Section II, Appendix II hereof. To be
specific:
a) If the
total sum insured on a single facility (except nuclear facilities) is less than
VND 1,000 billion, the deductible is provided in Clause 1, Section I, Appendix
II hereof.
The
insurer and the policyholder shall enter into an insurance contract specifying
the deductible applied to each insured facility according to its risk level and
history of losses.
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Article 8. Insurance indemnity
1. Rules
for insurance indemnity
The
insurer shall consider providing insurance indemnity in accordance with
regulations of the Law on Insurance Business and the following rules:
a) The
indemnity for the damaged property shall not exceed sum insured for such
property (already specified in the insurance contract and insurance
certificate), minus (-) the deductible specified in Clause 2, Article 7 of this
Decree.
b) Up to
10% of the indemnity shall be deducted in case the insured facility fails to
implement all the recommendations specified in the record on fire safety
inspection by the fire department on schedule, resulting in increased damage
upon occurrence of fire or explosion.
c) The
insurer shall not be liable for additional amounts due to insurance scam as
prescribed by the Criminal Code.
2. Claim
applications
A claim
application includes the following documents:
a) A
policyholder’s claim letter.
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c) A copy
of the record on fire safety inspection by the fire department at the time
nearest to the time an insured event occurs.
d) An
assessment record of the insurer or the person authorized by the insurer.
dd) A
copy of the competent authority’s conclusion or notice of the cause of the fire
or explosion or proof of the cause of the fire or explosion.
e) List
of damage and documentary evidences for damage.
The
policyholder shall collect and send the documents specified in Points a, b, c,
dd and e, Clause 2 of this Article to the insurer. The policyholder shall
collect the document specified in Point d, Clause 2 of this Article.
Section 2: TRANSFER, MANAGEMENT AND USE OF REVENUE FROM
SALE OF COMPULSORY FIRE AND EXPLOSION INSURANCE FOR FIRE PREVENTION AND
FIGHTING PURPOSES
Article 9. Transfer of revenue from compulsory fire and
explosion insurance for fire prevention and fighting purposes
1. In a
fiscal year, the insurer that provides compulsory fire and explosion insurance
shall transfer 1% of the total premiums for compulsory fire and explosion
insurance that are collected from its original insurance contracts in the
previous fiscal year.
2. The
amount specified in Clause 1 of this Article shall be transferred to the Fire
and Rescue Police Department’s account opened at the State Treasury by the
Ministry of Public Security. To be specific:
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b)
Transfer the remaining amount specified in Clause 1 of this Article before
December 31.
Article 10. Management and use of revenue from sale of
compulsory fire and explosion insurance
1.
Revenue from sale of compulsory fire and explosion insurance must be managed
and used in a transparent manner and for the right purposes according to
regulations of this Decree and relevant regulations of law.
2. The
Ministry of Public Security shall make and submit an annual estimate of revenue
from sale of compulsory fire and explosion insurance for fire prevention and
fighting purposes to the Ministry of Finance in accordance with regulations of
law.
3. The
revenue from sale of compulsory fire and explosion insurance for fire
prevention and fighting purposes shall be used as follows:
a)
Provide assistance in firefighting equipment for the fire police. The
assistance shall not exceed 40% of the insurer’s collected premiums for
compulsory fire and explosion insurance in the fiscal year.
b)
Provide assistance in dissemination of law and knowledge about fire prevention;
fire fighting and compulsory fire and explosion insurance. The assistance shall
not exceed 30% of the insurer’s collected premiums for compulsory fire and
explosion insurance in the fiscal year.
c)
Provide assistance for fire departments in the following activities: fire
investigation; provision of professional training and inspection of fire
safety; supervision of participation in compulsory fire and explosion insurance
by the insured facilities. The assistance shall not exceed 20% of the insurer’s
collected premiums for compulsory fire and explosion insurance in the fiscal
year.
d)
Provide assistance in rewarding organizations and individuals directly engaging
and cooperating in fire prevention and fighting. The assistance shall not
exceed 10% of the insurer’s collected premiums for compulsory fire and
explosion insurance in the fiscal year.
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Section 3: RESPONSIBILITIES OF RELEVANT MINISTRIES AND
AUTHORITIES AND INSURERS FOR PARTICIPATION IN COMPULSORY FIRE AND EXPLOSION
INSURANCE
Article 11. Responsibilities of the Ministry of Finance
1.
Disseminate the law on compulsory fire and explosion insurance.
2.
Inspect and supervise insurers providing compulsory fire and explosion
insurance in accordance with regulations of this Decree.
3. Take
actions against violations of the law on compulsory fire and explosion
insurance that are committed by insurers.
Article 12. Responsibilities of the Ministry of Public
Security
1.
Cooperate with the Ministry of Finance in disseminating the law on compulsory
fire and explosion insurance.
2.
Inspect and take actions against violations of the law on compulsory fire and
explosion insurance at insured facilities.
3.
Publish the list of insured facilities (except the facilities related to
national defense, security and state secrets) by December 31 on its website.
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Ministries,
ministerial agencies and Governmental agencies shall, within their competence,
cooperate in inspecting, providing guidance on and implement policies on
compulsory fire and explosion insurance in accordance with regulations of this
Decree.
Article 14. Responsibilities of the People’s Committees of
provinces and central-affiliated cities
The
People’s Committees of provinces and central-affiliated cities shall
disseminate the Decree and cooperate with the Ministry of Finance and Ministry
of Public Security in implementing policies on compulsory fire and explosion
insurance and adopting measures for preventing damage inflicted by fire and
explosion.
Article 15. Responsibilities of insurers
1.
Prepare and submit reports on compulsory fire and explosion insurance to the
Ministry of Finance according to the following regulations:
a)
Insurer’s reports:
The
insurer shall prepare and submit quarterly and annual reports (both electronic
and physical copies) to the Ministry of Finance by using the form specified in
Appendix III and Appendix IV hereof. To be specific:
- Submit
quarterly reports within 30 days from the end of the quarter.
- Submit
annual report within 90 days from the end of the year.
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The
insurer shall prepare and submit reports (both electronic and physical copies)
to the Ministry of Finance by using the form specified in Appendix V hereof. To
be specific:
- Submit
biennial reports by July 31.
- Submit
annual report by January 31 of the succeeding fiscal year.
c) In
addition to the reports specified in Points and b of this Clause, the insurer
shall prepare and submit unscheduled reports at the request of the Ministry of
Finance.
2.
Annually, the insurer shall transfer 1% of the total premiums for compulsory
fire and explosion insurance that are collected from its original insurance
contracts for fire prevention and fighting purposes in the previous fiscal year
as prescribed in Article 9 of this Decree.
Chapter III
IMPLEMENTATION CLAUSE
Article 16. Transition clause
The
compulsory fire and explosion insurance contract signed before the effective
date of this Decree shall continue to be executed in accordance with
regulations of law on the inception date.
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1. This
Decree comes into force from April 15, 2018.
2. This
Decree replaces the Government’s Decree No. 130/2006/ND-CP dated November 08,
2006 on regulations on compulsory fire and explosion insurance and Article 2 of
the Government’s Decree No. 46/2012/ND-CP dated May 22, 2012 on amendments to
some articles of the Decree No. 35/2003/ND-CP dated April 04, 2003 on
guidelines for some articles of the Law on Fire Prevention and Fighting and the
Government’s Decree No. 130/2006/ND-CP dated November 08, 2006 on regulations
on compulsory fire and explosion insurance.
3. The
Joint Circular No. 214/2013/TTLT-BTC-BCA dated December 31, 2013 of the
Ministry of Finance and Ministry of Public Security on guidelines for some
articles of the Decree No. 130/2006/ND-CP dated November 08, 2006 and Decree
No. 46/2012/ND-CP dated May 22, 2012 on regulations on compulsory fire and
explosion insurance is null and void.
4. The
Circular No. 220/2010/TT-BTC dated December 30, 2010 of the Ministry of Finance
providing guidance on compliance with regulations on compulsory fire and
explosion insurance is null and void.
Article 18. Responsibility for implementation
Ministers,
heads of ministerial agencies, heads of Governmental agencies, People’s
Committees of provinces and central-affiliated cities and regulated entities of
this Decree are responsible for implementation of this Decree./.
ON BEHALF OF THE GOVERNMENT
THE PRIME MINISTER
Nguyen Xuan Phuc
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APPENDIX I
SPECIMEN OF CERTIFICATE OF COMPULSORY FIRE AND EXPLOSION
INSURANCE
(Enclosed with the Government’s Decree No. 23/2018/ND-CP dated February 23, 2018)
Insurer’s
name:
........................................................................................
This
Certificate is issued under the Insurance Contract No. …… dated……between ……
and...; under the Proposal Form for Insurance No. …… dated………
1.
Policyholder’s name:
.....................................................................................
2.
Policyholder’s address: .....................................................................................
3. The
insured’s name:
................................................................................
4. The
insured’s address:
...........................................................................
5. Type
of building: (on the list of buildings specified in Appendix II to the Decree
No. 79/2014/ND-CP , amending or replacing documents (if any));
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7.
Insured property: (attaching a detailed list of property)
8. Total
property value according to the list of property:
....................................................
9. Sum
insured: ....................................................................................................
10.
Deductible:
........................................................................................................
11.
Insurance period: From ...................................... to...............................................
12.
Insurance premiums:
...................................................................................................
13.
Deadline for payment of insurance premiums:
............................................................
Enclosed
with this Certificate is the Proposal Form for Insurance No. ……..
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........, (date).... (month).... (year)....
INSURER
(Signature, seal)
APPENDIX II
PREMIUMS AND DEDUCTIBLES
(Enclosed with the Government’s Decree No. 23/2018/ND-CP dated February 23,
2018)
I.
INSURANCE PREMIUMS (VAT EXCLUDED)
1. For
the insured facilities (except nuclear facilities) listed in the Appendix II
enclosed with the Government’s Decree No. 79/2014/ND-CP and amendments thereto
(if any) the total sum insured on which is less than VND 1,000 billion, the
insurance premiums equal (=) the minimum sum insured multiplied (x) by
insurance rate. According to the level of risk of each insured facility, the
insurer and the policyholder shall reach an agreement on the insurance premium,
which shall not be lower than the following rates:
No.
List of insured facilities
Category
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1
Institutes,
universities, junior colleges, post-secondary schools, vocational schools,
high schools and education centers; nursery schools, kindergartens
A
0.05
2
Hospitals,
sanitaria and other health facilities
A
0.05
3
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3.1
Discotheques,
crowded entertaining establishments
B
0.4
3.2
Cinemas;
indoor sports facilities; stadiums
A
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3.3
Convention
centers, theatres, cultural houses, circuses; other public works
A
0.1
4
Museums,
libraries, exhibition halls, archives; historical relics, cultural works,
fair houses
4.1
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A
0.075
4.2
Exhibition
halls; fair houses
A
0.12
5
Indoor
markets, semi-indoor markets; shopping malls, supermarkets, groceries
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5.1
Shopping
malls
A
0.06
5.2
Supermarkets,
groceries
A
0.08
5.3
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B
0.5
6
Radio/television
broadcasting facilities; post and telecommunications facilities
A
0.075
7
Control
centers
A
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8
Airports,
seaports, inland waterways ports; car stations; parking lots; parking
garage; railway passenger station; goods station
8.1
Seaports,
inland waterways ports, car stations; parking lots; railway passenger station
A
0.1
8.2
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B
0.12
8.3
Airports
A
0.08
9
Apartment
buildings, multi-function houses, hotels, guest houses, hostels
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9.1
Apartment
buildings equipped with fire sprinkler systems, multi-function houses,
hotels, guest houses, hostels
A
0.05
9.2
Apartment
buildings equipped without fire sprinkler systems
A
0.1
10
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A
0.05
11
Coal
mines, flammable-mineral mines; underground traffic works; works in pits for
the production, storage and use of flammable/explosive substances
B
0.4
12
Explosives
manufacturing facilities; facilities for extraction, processing, production,
transport, trade, use and storage of petroleum, petroleum products and gas;
facilities for production of other flammable goods
B
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13
Warehouses
of weapons, explosives and combat gears; stocks for petroleum and petroleum
products; harbors for export and import of explosive materials, petroleum,
petroleum products and gas.
B
0.3
14
Petroleum
filling stations, gas filling stations
B
0.3
15
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15.1
Thermal
power stations
A
0.1
15.2
Thermal
power stations, wind farms and other power plants
A
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15.3
Substations
A
0.12
16
Shipyards;
aircraft maintenance factories
A
0.1
17
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17.1
Stocks
of flammable goods/materials
B
0.2
17.2
Stocks
of non-flammable goods/materials contained in flammable packages
A
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17.3
Grounds
of flammable goods/materials
B
0.1
18
Industrial
production works with grade A, B, C, D or E risk of fire and explosion that
are parts of main production lines
18.1
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B
0.2
b) Wood
production facilities
0.5
c)
Footwear production facilities
0.35
18.2
Industrial
production works with grade D or E risk of fire and explosion
A
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19
Facilities
and works with items or main parts that if the fire and explosion occurs
there, will seriously affect the entire facilities/works or with the items or
parts that regularly produces have dangerous fire and explosion substances
during their operations in one of the following cases:
19.1
Combustion
air
B
0.167
19.2
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B
0.2
19.3
Combustible
dust or fibers; solid materials, goods and materials that are combustible
solid substances
B
0.7
19.4
The
substances that can burn, explode or produce flammable substances or
explosives when they act together
B
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19.5
The
substance that can burn, explode or produce flammable substance or explosive
when it acts with water or the oxygen in the air
B
0.5
Note:
Deductibles
applied to Category A and Category B facilities are specified in Point b,
Clause 1, Section II of this Appendix.
2. If the
total sum insured on a single facility (except nuclear facilities) is VND 1,000
billion or over or the insured facility is a nuclear facility, the insurer and
the policyholder shall reach an agreement on the premiums with the reinsurer’s
approval.
II.
DEDUCTIBLES
1. For
facilities the total sum insured on which is less than VND 1,000 billion:
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b) For
Category B facilities, the maximum deductible is 10% of the premiums and not
lower than the deductible prescribed in Point c of this Clause.
c) In any
event, the deductible prescribed in Points a and b of this Article shall not be
lower than the following values:
Unit: million dong
Insurance premium
Deductible
Not
exceeding 2,000
4
Exceeding
2,000 but not exceeding 10,000
10
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20
Exceeding
50,000 but not exceeding 100,000
40
Exceeding
100,000 but not exceeding 200,000
60
Exceeding
200,000
100
2. If the
total sum insured on a single facility (except nuclear facilities) is VND 1,000
billion or over or the insured facility is a nuclear facility, the insurer and
the policyholder shall reach an agreement on the deductible with the
reinsurer’s approval./.
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REPORT ON COMPULSORY FIRE AND
EXPLOSION INSURANCE INCOME AND CLAIM
SETTLEMENT
(Enclosed with the Government’s Decree No. 23/2018/ND-CP dated February 23,
2018)
Insurer’s
name:
Reporting
period: ... quarter/ ... (specify the year)
Unit: dong
No.
List of facilities (*)
Insurance premium
Insurance claim settlement
Principal insurance premium
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Principal insurance claim settlement
Insurance claim settlement for written premium
1
2
...
...
...
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3
...
...
...
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4
5
...
...
...
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6
…
...
...
...
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(*) The
insurer shall make the report according to the list of facilities provided in
clause 1 Section I of Appendix II to this Decree.
We hereby
undertake that the information given above is true./.
Prepared by
(Signature and full name)
..., , (date).... (month).... (year)....
Legal representative
(Signature and seal)
APPENDIX IV
ANNUAL STATEMENT OF INCOME FROM COMPULSORY FIRE AND
EXPLOSION INSURANCE BUSINESS
(Enclosed with the Government’s Decree No. 23/2018/ND-CP dated February 23,
2018)
-
Insurer’s name:
......................................................................................
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Unit: dong
No.
Item
Amount
I
Net
revenue from insurance business activities (I)=(6)+(7)+(8)
1
Principal
insurance premium (minus deductions)
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2
Inward
reinsurance premium (minus deductions)
3
Increase(+)/decrease(-)
in principal insurance premium reserve and unearned premium reserve for
inward reinsurance
4
Outward
reinsurance premium (minus deductions)
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Increase(+)/decrease(-)
in unearned premium reserve for outward reinsurance
6
Net
insurance premium (I)=(6)+(7)+(8)
(6)=(1)+(2)-(3)-(4)+(5)
7
Commission
income from outward reinsurance (minus deductions and unearned income)
...
...
...
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Other
income from insurance activities
II
Expenses
for insurance business activities
(II)
= (9) - (10) + (11) - (12) + (13) + (14) + (15) + (16)
9
Principal
insurance and inward reinsurance claim settlement expenses (minus incomes
from decrease in reinsurance claim)
...
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Receipt
from outward reinsurance claim
11
Increase(+)/decrease(-)
in claim reserve for principal insurance and inward reinsurance
12
Increase(+)/decrease(-)
in claim reserve for outward reinsurance
13
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14
Commission
expenses for principal insurance and inward reinsurance (minus deductions and
undistributed amounts)
15
Expenses
for management of insurance business activities
16
Other
expenses for insurance business activities
...
...
...
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III
Net
profit from insurance business activities
(III)
= (I) - (II)
We hereby
undertake that the information given above is true.
PREPARED BY
(Signature and full name)
……, (date) …… (month) …… (year)....
LEGAL REPRESENTATIVE
(Signature and seal)
...
...
...
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REPORT ON COLLECTION AND PAYMENT IN RELATION TO COMPULSORY
FIRE AND EXPLOSION INSURANCE
(Enclosed with the Government’s Decree No. 23/2018/ND-CP dated February 23,
2018)
Insurer’s
name:
Reporting
period: 6 months of ....(specify the year) / ... (specify the year)
Unit: dong
No.
Item
Amount
1
Total
premiums for compulsory fire and explosion insurance collected from principal
insurance contracts in the preceding fiscal year
...
...
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2
Total
amounts from compulsory fire and explosion insurance payable in the fiscal
year
3
Amounts
paid
4
Remaining
amounts payable
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Prepared by
(Signature and full name)
..., , (date).... (month).... (year)....
Legal representative
(Signature and seal)
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