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 ASSURED
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 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
Insurance premium/year (%)
1
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A
0.05
2
Hospitals, sanitaria
and other health facilities
A
0.05
3
Convention centers, theatres,
cultural houses, cinemas, circuses; indoor sports facilities; stadiums;
discotheque, crowded entertaining establishments; other public works
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3.1
Discotheques, crowded
entertaining establishments
B
0.4
3.2
Cinemas; indoor sports
facilities; stadiums
A
0.15
3.3
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A
0.1
4
Museums, libraries,
exhibition halls, archives; historical relics, cultural works, fair houses
4.1
Museums, libraries,
archives; historical relics, cultural works
A
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4.2
Exhibition halls; fair
houses
A
0.12
5
Indoor markets,
semi-indoor markets; shopping malls, supermarkets, groceries
5.1
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A
0.06
5.2
Supermarkets, groceries
A
0.08
5.3
Indoor markets,
semi-indoor markets
B
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6
Radio/television
broadcasting facilities; post and telecommunications facilities
A
0.075
7
Control centers
A
0.07
8
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8.1
Seaports, inland
waterways ports, car stations; parking lots; railway passenger station
A
0.1
8.2
Parking garage; goods
station
B
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8.3
Airports
A
0.08
9
Apartment buildings,
multi-function houses, hotels, guest houses, hostels
9.1
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A
0.05
9.2
Apartment buildings
equipped without fire sprinkler systems
A
0.1
10
Office buildings of State
administrative agencies; institutes, research centers, office buildings of
specialized agencies, enterprises, political and social organizations and
other organizations
A
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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
0.35
13
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B
0.3
14
Petroleum filling
stations, gas filling stations
B
0.3
15
Power plants;
substation of 110 KV or higher
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15.1
Thermal power stations
A
0.1
15.2
Thermal power stations,
wind farms and other power plants
A
0.07
15.3
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A
0.12
16
Shipyards; aircraft
maintenance factories
A
0.1
17
Stocks of flammable goods/materials
or stocks of non-flammable goods/materials contained in flammable packages;
grounds of flammable goods/materials
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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
0.075
17.3
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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
a) Industrial
production works with grade A, B or C risk of fire and explosion (except wood
and footwear production facilities)
B
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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
0.15
19
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19.1
Combustion air
B
0.167
19.2
Liquid
B
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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
0.6
19.5
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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:
a) For Category A
facilities, the maximum deductible is 1% of the premiums and not lower than the
deductible prescribed in Point c of this Clause.
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.
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Unit: million dong
Insurance premium
Deductible
Not exceeding 2,000
4
Exceeding 2,000 but not
exceeding 10,000
10
Exceeding 10,000 but
not exceeding 50,000
20
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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./.