{"id":18463,"date":"2024-09-19T19:40:46","date_gmt":"2024-09-20T00:40:46","guid":{"rendered":"https:\/\/bolttech.io\/insight\/he-sinh-thai-bao-hiem-quan-diem-cua-dai-ly\/"},"modified":"2024-10-29T08:52:49","modified_gmt":"2024-10-29T13:52:49","slug":"he-sinh-thai-bao-hiem-quan-diem-cua-dai-ly","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/he-sinh-thai-bao-hiem-quan-diem-cua-dai-ly\/","title":{"rendered":"H\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m: Quan \u0111i\u1ec3m c\u1ee7a \u0111\u1ea1i l\u00fd"},"content":{"rendered":"\n

Nh\u1eefng c\u1ea3nh b\u00e1o ban \u0111\u1ea7u r\u1eb1ng c\u00f4ng ngh\u1ec7 s\u1ebd thay th\u1ebf c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u00e3 kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u01b0a ra. Kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m \u1edf m\u1ecdi l\u1ee9a tu\u1ed5i c\u00f3 xu h\u01b0\u1edbng th\u00edch l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t \u0111\u1ea1i l\u00fd h\u01a1n l\u00e0 t\u1ef1 m\u00ecnh t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m.<\/p>\n\n

H\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 k\u1ebft n\u1ed1i c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m v\u1edbi c\u00e1c \u0111\u1ed1i t\u00e1c phi b\u1ea3o hi\u1ec3m trong c\u00e1c ng\u00e0nh li\u00ean quan. C\u00e1c h\u1ec7 sinh th\u00e1i n\u00e0y c\u0169ng t\u1ea1o c\u01a1 h\u1ed9i cho c\u00e1c \u0111\u1ea1i l\u00fd x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 m\u1ea1nh m\u1ebd h\u01a1n v\u00e0 gia t\u0103ng gi\u00e1 tr\u1ecb cho tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n\n

C\u00e1c \u0111\u1ea1i l\u00fd c\u1ea7n thi\u1ebft cho h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m nh\u01b0 th\u1ebf n\u00e0o<\/h2>\n\n

C\u00e1c \u0111\u1ea1i l\u00fd t\u1eeb l\u00e2u \u0111\u00e3 r\u1ea5t c\u1ea7n thi\u1ebft cho m\u1ed1i quan h\u1ec7 gi\u1eefa nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 kh\u00e1ch h\u00e0ng. V\u1ecb tr\u00ed c\u1ee7a ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n trong m\u1ed1i quan h\u1ec7 n\u00e0y kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng bi\u1ebfn m\u1ea5t s\u1edbm.<\/p>\n\n

Trong m\u1ed9t nghi\u00ean c\u1ee9u<\/a> g\u1ea7n \u0111\u00e2y, 65% kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c h\u1ecfi n\u00f3i r\u1eb1ng h\u1ecd c\u00f3 k\u1ebf ho\u1ea1ch s\u1eed d\u1ee5ng d\u1ecbch v\u1ee5 c\u1ee7a \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m trong t\u01b0\u01a1ng lai. Ph\u1ea7n l\u1edbn trong s\u1ed1 b\u1ed1n th\u1ebf h\u1ec7 \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t cho bi\u1ebft h\u1ecd s\u1ebd l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t \u0111\u1ea1i l\u00fd m\u1ed9t l\u1ea7n n\u1eefa – bao g\u1ed3m 84% Millennials \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t \u0111\u00e3 c\u00f3 m\u1ed1i quan h\u1ec7 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m.<\/p>\n\n

Kh\u00e1ch h\u00e0ng mu\u1ed1n m\u1ed1i quan h\u1ec7 \u0111\u1ea1i l\u00fd. Tuy nhi\u00ean, h\u1ecd c\u0169ng mong \u0111\u1ee3i nh\u1eefng m\u1ed1i quan h\u1ec7 \u0111\u00f3 s\u1ebd \u0111\u01b0\u1ee3c trung gian th\u00f4ng qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1 qu\u1ea3n l\u00fd r\u1ea5t nhi\u1ec1u vi\u1ec7c mua s\u1eafm c\u1ee7a h\u1ecd.<\/p>\n\n

Trong khi \u0111\u00f3, c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m \u0111ang chuy\u1ec3n h\u01b0\u1edbng sang m\u00f4 h\u00ecnh h\u1ec7 sinh th\u00e1i kinh doanh. Trong m\u1ed9t h\u1ec7 sinh th\u00e1i, hai ho\u1eb7c nhi\u1ec1u doanh nghi\u1ec7p “t\u1ea1o ra v\u00e0 chia s\u1ebb gi\u00e1 tr\u1ecb t\u1eadp th\u1ec3 cho m\u1ed9t nh\u00f3m kh\u00e1ch h\u00e0ng chung”, Greg Sarafin<\/a> t\u1ea1i EY vi\u1ebft.<\/p>\n\n

M\u1ed7i ng\u01b0\u1eddi tham gia \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh trong h\u1ec7 sinh th\u00e1i. V\u00ed d\u1ee5, kh\u00e1ch h\u00e0ng bi\u1ebft r\u1eb1ng h\u1ecd \u0111ang mua xe c\u1ee7a h\u1ecd t\u1eeb m\u1ed9t nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 tham gia h\u1ec7 sinh th\u00e1i, b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u1ee7a h\u1ecd t\u1eeb m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m tham gia v\u00e0 h\u1ecd mang c\u00e2u h\u1ecfi v\u00e0 m\u1ed1i quan t\u00e2m c\u1ee7a m\u00ecnh \u0111\u1ebfn m\u1ed9t \u0111\u1ea1i l\u00fd tham gia. Thay v\u00ec thu g\u1ecdn c\u00e1c kh\u00eda c\u1ea1nh n\u00e0y c\u1ee7a tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng d\u01b0\u1edbi m\u1ed9t th\u01b0\u01a1ng hi\u1ec7u, m\u1ed9t h\u1ec7 sinh th\u00e1i cung c\u1ea5p cho kh\u00e1ch h\u00e0ng d\u1ecbch v\u1ee5 h\u1ee3p l\u00fd, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a m\u00e0 kh\u00f4ng b\u1ecf qua s\u1ef1 \u0111\u00f3ng g\u00f3p c\u1ee7a t\u1eebng doanh nghi\u1ec7p tham gia.<\/p>\n\n

Tr\u01b0\u1edbc s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1, c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m th\u01b0\u1eddng l\u00e0m trung gian cho c\u00e1c m\u1ed1i quan h\u1ec7 n\u00e0y – n\u01a1i ch\u00fang t\u1ed3n t\u1ea1i. M\u1ed9t \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u1eb7t hai lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c nhau th\u00f4ng qua hai c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1c nhau cho m\u1ed9t kh\u00e1ch h\u00e0ng, nh\u01b0ng c\u00e1c \u0111\u1ea1i l\u00fd kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00e1c nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 ho\u1eb7c nh\u00e0 x\u00e2y d\u1ef1ng. Khi c\u00e1c m\u1ed1i quan h\u1ec7 n\u00e0y m\u1edf r\u1ed9ng, nhu c\u1ea7u v\u1ec1 chuy\u00ean m\u00f4n c\u1ee7a c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m trong vi\u1ec7c qu\u1ea3n l\u00fd nhi\u1ec1u k\u1ebft n\u1ed1i v\u00ec l\u1ee3i \u00edch c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m c\u0169ng t\u0103ng theo.<\/p>\n\n

\"\"<\/figure>\n\n

Ch\u1ecdn m\u1ed9t n\u1ec1n t\u1ea3ng h\u1ec7 sinh th\u00e1i v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd trong t\u00e2m tr\u00ed<\/h2>\n\n

C\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m s\u1ebd kh\u00f4ng \u0111i \u0111\u00e2u c\u1ea3: Kh\u00e1ch h\u00e0ng th\u00edch l\u00e0m vi\u1ec7c v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 c\u00e1c \u0111\u1ea1i l\u00fd cung c\u1ea5p quan \u0111i\u1ec3m d\u1ef1a tr\u00ean chuy\u00ean m\u00f4n m\u00e0 c\u1ea3 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u1ec1u th\u1ea5y c\u00f3 gi\u00e1 tr\u1ecb.<\/p>\n\n

\u0110\u1ec3 t\u1ed1i \u0111a h\u00f3a gi\u00e1 tr\u1ecb c\u1ee7a h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m, c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i ph\u1ea3i xem x\u00e9t vai tr\u00f2 c\u1ee7a c\u00e1c \u0111\u1ea1i l\u00fd trong h\u1ec7 th\u1ed1ng. H\u1ec7 sinh th\u00e1i n\u00ean h\u1ed7 tr\u1ee3 n\u1ed7 l\u1ef1c c\u1ee7a c\u00e1c \u0111\u1ea1i l\u00fd \u0111\u1ec3 cung c\u1ea5p gi\u00e1 tr\u1ecb v\u00e0 c\u00e1i nh\u00ecn s\u00e2u s\u1eafc h\u01a1n cho kh\u00e1ch h\u00e0ng.<\/p>\n\n

V\u00ed d\u1ee5, “m\u1ecdi ng\u01b0\u1eddi kh\u00f4ng mu\u1ed1n n\u0103m \u0111\u1ea1i l\u00fd kh\u00e1c nhau cho m\u1ed7i lo\u1ea1i b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd c\u00f3”, John Hockaday<\/a>, hi\u1ec7u tr\u01b0\u1edfng t\u1ea1i New Horizons Insurance Marketing vi\u1ebft. Kh\u00e1ch h\u00e0ng th\u00edch ph\u00e1t tri\u1ec3n m\u1ed9t m\u1ed1i quan h\u1ec7 v\u1edbi m\u1ed9t \u0111\u1ea1i l\u00fd duy nh\u1ea5t, ng\u01b0\u1eddi hi\u1ec3u t\u1ea5t c\u1ea3 c\u00e1c nhu c\u1ea7u v\u00e0 r\u1ee7i ro c\u1ee7a h\u1ecd giao nhau nh\u01b0 th\u1ebf n\u00e0o.<\/p>\n\n

M\u1ed9t h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 k\u1ebft n\u1ed1i c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 nh\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh kh\u00e1c nhau c\u00f3 th\u1ec3 gi\u00fap c\u00e1c \u0111\u1ea1i l\u00fd x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 m\u00e0 kh\u00e1ch h\u00e0ng mong mu\u1ed1n. Th\u00f4ng qua n\u1ec1n t\u1ea3ng h\u1ec7 sinh th\u00e1i ph\u00f9 h\u1ee3p, c\u00e1c \u0111\u1ea1i l\u00fd c\u00f3 th\u1ec3 t\u00ecm v\u00e0 \u0111\u1eb7t ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 m\u1ed7i kh\u00e1ch h\u00e0ng c\u1ea7n – ngay c\u1ea3 khi nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ee7a h\u1ecd kh\u00f4ng b\u1ea3o l\u00e3nh lo\u1ea1i r\u1ee7i ro c\u1ee5 th\u1ec3 \u0111\u00f3.<\/p>\n\n

C\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m mu\u1ed1n x\u00e2y d\u1ef1ng l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng tr\u1ecdn \u0111\u1eddi. Nh\u1eefng m\u1ed1i quan h\u1ec7 l\u00e2u d\u00e0i n\u00e0y l\u00e0 n\u1ec1n t\u1ea3ng kinh doanh c\u1ee7a m\u1ed9t \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m. Do \u0111\u00f3, c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m t\u00ecm ki\u1ebfm c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 cho ph\u00e9p h\u1ecd so s\u00e1nh c\u00e1c ch\u00ednh s\u00e1ch, \u0111\u00e1nh gi\u00e1 gi\u00e1 c\u1ea3 v\u00e0 s\u1eafp x\u1ebfp b\u1ea3o hi\u1ec3m t\u1ea5t c\u1ea3 t\u1eeb m\u1ed9t n\u01a1i, Edmar D. Oritz<\/a>, ch\u1ee7 t\u1ecbch v\u00e0 nh\u00e0 s\u1ea3n xu\u1ea5t b\u1ea3o hi\u1ec3m ch\u00ednh t\u1ea1i Garden State Central Insurance Services vi\u1ebft. H\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 cung c\u1ea5p c\u00e2u tr\u1ea3 l\u1eddi m\u00e0 c\u00e1c \u0111\u1ea1i l\u00fd c\u1ea7n – v\u00e0 \u0111\u1ebfn l\u01b0\u1ee3t n\u00f3, m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng t\u1ed1t h\u01a1n cho c\u00e1c nh\u00e0 m\u1ea1ng.<\/p>\n\n

Kh\u00e1ch h\u00e0ng th\u1ea5y d\u1ecbch v\u1ee5 t\u1ed1t h\u01a1n t\u1eeb m\u1ed1i quan h\u1ec7 \u0111\u1ea1i l\u00fd c\u1ee7a h\u1ecd c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng v\u1eabn k\u1ebft n\u1ed1i v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 \u01b0a th\u00edch c\u1ee7a h\u1ecd. M\u1ed9t h\u1ec7 sinh th\u00e1i v\u1edbi y\u1ebfu t\u1ed1 t\u00e1c nh\u00e2n m\u1ea1nh m\u1ebd l\u00e0 m\u1ed9t chi\u1ebfn th\u1eafng cho t\u1ea5t c\u1ea3 m\u1ecdi ng\u01b0\u1eddi tham gia.<\/p>\n\n

\u1ea2nh: marctran\/\u00a9123RF.com, nateemee\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

Nh\u1eefng c\u1ea3nh b\u00e1o ban \u0111\u1ea7u r\u1eb1ng c\u00f4ng ngh\u1ec7 s\u1ebd thay th\u1ebf c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u00e3 kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u01b0a ra. Kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m \u1edf m\u1ecdi l\u1ee9a tu\u1ed5i c\u00f3 xu h\u01b0\u1edbng th\u00edch l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t \u0111\u1ea1i l\u00fd h\u01a1n l\u00e0 t\u1ef1 m\u00ecnh t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m. H\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 k\u1ebft n\u1ed1i […]<\/p>\n","protected":false},"featured_media":11766,"template":"","insight-category":[],"class_list":["post-18463","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/18463","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media\/11766"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=18463"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=18463"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}