{"id":18491,"date":"2024-09-19T19:41:09","date_gmt":"2024-09-20T00:41:09","guid":{"rendered":"https:\/\/bolttech.io\/insight\/xu-huong-bao-hiem-sang-nam-2023-va-hon-the-nua\/"},"modified":"2024-09-19T19:41:12","modified_gmt":"2024-09-20T00:41:12","slug":"xu-huong-bao-hiem-sang-nam-2023-va-hon-the-nua","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/xu-huong-bao-hiem-sang-nam-2023-va-hon-the-nua\/","title":{"rendered":"Xu h\u01b0\u1edbng b\u1ea3o hi\u1ec3m sang n\u0103m 2023 v\u00e0 h\u01a1n th\u1ebf n\u1eefa"},"content":{"rendered":"\n<p>T\u1ea5t c\u1ea3 c\u00e1c xu h\u01b0\u1edbng b\u1ea3o hi\u1ec3m ch\u00ednh hi\u1ec7n nay c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00f3m t\u1eaft trong m\u1ed9t t\u1eeb: K\u1ef9 thu\u1eadt s\u1ed1.<\/p>\n\n<p>T\u1eeb h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m \u0111\u1ebfn thay \u0111\u1ed5i k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng, m\u1ecdi th\u1ee9 m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ed1i m\u1eb7t ng\u00e0y nay v\u00e0 trong t\u01b0\u01a1ng lai \u0111\u1ec1u ph\u1ee5 thu\u1ed9c v\u00e0o th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1 m\u00e0 ch\u00fang ta \u0111ang \u1edf.\nTuy nhi\u00ean, nh\u1eefng th\u00e1ch th\u1ee9c n\u00e0y c\u0169ng ch\u1ee9a \u0111\u1ef1ng nh\u1eefng c\u01a1 h\u1ed9i.\nB\u1eb1ng c\u00e1ch th\u00edch \u1ee9ng v\u1edbi th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng \u0111\u00e1p \u1ee9ng nh\u1eefng th\u00e1ch th\u1ee9c l\u1edbn, ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi v\u00e0 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng.  <\/p>\n\n<h2 class=\"wp-block-heading\">Xu h\u01b0\u1edbng b\u1ea3o hi\u1ec3m: B\u1ee9c tranh l\u1edbn<\/h2>\n\n<p>C\u00e1c d\u00f2ng thay \u0111\u1ed5i trong \u0111\u00f3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1ea5y m\u00ecnh c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eafp x\u1ebfp th\u00e0nh ba lo\u1ea1i:<\/p>\n\n<h3 class=\"wp-block-heading\">Ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn b\u1ea3o hi\u1ec3m<\/h3>\n\n<p>C\u00f4ng ngh\u1ec7 cung c\u1ea5p nh\u1eefng c\u00e1ch th\u1ee9c m\u1edbi \u0111\u1ec3 ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m, v\u00e0 n\u00f3 c\u0169ng cung c\u1ea5p nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 b\u1ea3o l\u00e3nh v\u00e0 hi\u1ec3u r\u1ee7i ro.\nTr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o (AI) gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 r\u1ee7i ro v\u00e0 gi\u1ea3i quy\u1ebft gian l\u1eadn.\nAI th\u1eadm ch\u00ed c\u00f3 th\u1ec3 lo\u1ea1i b\u1ecf s\u1ef1 thi\u00ean v\u1ecb kh\u1ecfi c\u00e1c \u0111\u00e1nh gi\u00e1 r\u1ee7i ro.  <\/p>\n\n<p>Trong khi \u0111\u00f3, c\u00e1c kh\u1ea3 n\u0103ng k\u1ef9 thu\u1eadt s\u1ed1 hi\u1ec7n h\u1ed7 tr\u1ee3 b\u1ea3o hi\u1ec3m nh\u00fang, b\u1ea3o hi\u1ec3m <a href=\"https:\/\/www.boltinc.com\/insights\/blogs\/pay-as-you-go-insurance?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.25.1725281480091&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">thanh to\u00e1n theo m\u1ee9c s\u1eed d\u1ee5ng<\/a> v\u00e0 c\u00e1c m\u00f4 h\u00ecnh ph\u00e2n ph\u1ed1i v\u00e0 b\u1ea3o hi\u1ec3m ti\u00ean ti\u1ebfn kh\u00e1c.\nB\u1ea3o hi\u1ec3m tham s\u1ed1 c\u0169ng c\u00f3 kh\u1ea3 n\u0103ng h\u1ed3i sinh, nh\u1edd ph\u00e2n t\u00edch d\u1eef li\u1ec7u h\u1ed7 tr\u1ee3 AI. <\/p>\n\n<h3 class=\"wp-block-heading\">Thay \u0111\u1ed5i m\u1ed1i quan h\u1ec7<\/h3>\n\n<p>M\u1ed1i quan h\u1ec7 c\u1ee7a c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd, nh\u00e0 m\u00f4i gi\u1edbi v\u00e0 kh\u00e1ch h\u00e0ng c\u0169ng \u0111ang thay \u0111\u1ed5i.\nC\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 quan h\u1ec7 \u0111\u1ed1i t\u00e1c gi\u00fap c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi d\u1ec5 d\u00e0ng h\u01a1n bao gi\u1edd h\u1ebft trong vi\u1ec7c gia t\u0103ng gi\u00e1 tr\u1ecb cho quy tr\u00ecnh b\u1ea3o hi\u1ec3m, x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd h\u01a1n v\u00e0 b\u00e1n th\u00eam b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p. <\/p>\n\n<p>K\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng c\u0169ng \u0111ang thay \u0111\u1ed5i.\nKh\u00e1ch h\u00e0ng ng\u00e0y nay cho r\u1eb1ng tr\u1ea3i nghi\u1ec7m mua b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd s\u1ebd mang l\u1ea1i s\u1ef1 d\u1ec5 d\u00e0ng t\u01b0\u01a1ng t\u1ef1 nh\u01b0 h\u1ecd mua c\u00e1c h\u00e0ng h\u00f3a v\u00e0 d\u1ecbch v\u1ee5 kh\u00e1c tr\u1ef1c tuy\u1ebfn.\nC\u00e1c nh\u00e0 m\u1ea1ng b\u1ecf qua c\u00e1ch th\u1ee9c m\u00e0 c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ecbnh h\u00ecnh k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng s\u1ebd g\u1eb7p nguy hi\u1ec3m.  <\/p>\n\n<h3 class=\"wp-block-heading\">Th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1<\/h3>\n\n<p>Ch\u00fang ta ng\u00e0y c\u00e0ng l\u00e0m vi\u1ec7c, mua s\u1eafm v\u00e0 tr\u00f2 chuy\u1ec7n tr\u1ef1c tuy\u1ebfn, t\u1ea1o ra m\u1ed9t th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1 ch\u1ea1y song song v\u1edbi th\u1ebf gi\u1edbi th\u1ef1c.\nTrong th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0y, c\u00e1c \u0111i\u1ec3m \u0111\u1ebfn k\u1ef9 thu\u1eadt s\u1ed1 \u0111ang tr\u1edf th\u00e0nh m\u1ea3nh \u0111\u1ea5t m\u00e0u m\u1ee1 \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng. <\/p>\n\n<p>Quan h\u1ec7 \u0111\u1ed1i t\u00e1c b\u1ea3o hi\u1ec3m, \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y trong h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1, t\u1ea1o ra nh\u1eefng c\u00e1ch th\u1ee9c m\u1edbi \u0111\u1ec3 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng.\nC\u00e1c h\u1ec7 sinh th\u00e1i n\u00e0y gia t\u0103ng gi\u00e1 tr\u1ecb cho kh\u00e1ch h\u00e0ng, x\u00e2y d\u1ef1ng k\u1ebft n\u1ed1i gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 cung c\u1ea5p cho c\u00e1c \u0111\u1ea1i l\u00fd m\u1ed9t c\u00e1ch m\u1ea1nh m\u1ebd \u0111\u1ec3 x\u00e2y d\u1ef1ng gi\u00e1 tr\u1ecb. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-in-office-setting-1024x684.jpg\" alt=\"\" class=\"wp-image-11707\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-in-office-setting-1024x684.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-in-office-setting-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-in-office-setting-768x513.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/handshake-in-office-setting.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u01b0a xu h\u01b0\u1edbng v\u00e0 c\u00f4ng ngh\u1ec7 v\u00e0o ho\u1ea1t \u0111\u1ed9ng<\/h2>\n\n<p>&#8220;Trong v\u00e0i n\u0103m qua, h\u1ea7u h\u1ebft c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m \u0111\u00e3 th\u1ec3 hi\u1ec7n s\u1ef1 linh ho\u1ea1t v\u00e0 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i \u0111\u00e1ng k\u1ec3 trong vi\u1ec7c v\u01b0\u1ee3t qua m\u1ed9t lo\u1ea1t tr\u1edf ng\u1ea1i, \u0111\u1eb7c bi\u1ec7t l\u00e0 t\u00e1c \u0111\u1ed9ng c\u1ee7a \u0111\u1ea1i d\u1ecbch v\u00e0 h\u1eadu qu\u1ea3 kinh t\u1ebf t\u1eeb cu\u1ed9c xung \u0111\u1ed9t Nga-Ukraine&#8221;, <a href=\"https:\/\/www2.deloitte.com\/us\/en\/insights\/industry\/financial-services\/financial-services-industry-outlooks\/insurance-industry-outlook.html\" target=\"_blank\" rel=\"noreferrer noopener\">Karl Hersch<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Deloitte vi\u1ebft.\nS\u1ef1 gia t\u0103ng li\u00ean t\u1ee5c c\u1ee7a th\u1eddi ti\u1ebft kh\u1eafc nghi\u1ec7t v\u00e0 th\u1ea3m h\u1ecda m\u00f4i tr\u01b0\u1eddng c\u0169ng \u0111\u00e3 g\u00e2y c\u0103ng th\u1eb3ng cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1ecb thu h\u00fat b\u1edfi b\u1ed1n lo\u1ea1i ph\u00e1t tri\u1ec3n \u0111\u1ec3 x\u00e2y d\u1ef1ng t\u00ednh linh ho\u1ea1t v\u00e0 kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i c\u1ee7a h\u1ecd khi \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c n\u00e0y, Hersch, et al.\nCh\u00fang bao g\u1ed3m: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>C\u1ea3i thi\u1ec7n h\u1ec7 th\u1ed1ng n\u1ed9i b\u1ed9 c\u0169ng nh\u01b0 c\u00e1c c\u00f4ng c\u1ee5 h\u01b0\u1edbng t\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u1ea1i l\u00fd.<\/li>\n\n\n\n<li>M\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng c\u1ee7a h\u1ecd.<\/li>\n\n\n\n<li>N\u1eafm b\u1eaft c\u00e1c chi\u1ebfn l\u01b0\u1ee3c t\u00e0i n\u0103ng nhanh nh\u1eb9n.<\/li>\n\n\n\n<li>\u0110\u1ea7u t\u01b0 v\u00e0o c\u00f4ng ngh\u1ec7 c\u1ea7n thi\u1ebft \u0111\u1ec3 th\u00fac \u0111\u1ea9y m\u1ee5c ti\u00eau c\u1ee7a h\u1ecd.<\/li>\n<\/ul>\n\n<p>Tuy nhi\u00ean, &#8220;\u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 l\u00fac \u0111\u1ec3 c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i h\u00e0i l\u00f2ng v\u1edbi nh\u1eefng chuy\u1ec3n th\u1ec3 m\u00e0 h\u1ecd \u0111\u00e3 ph\u1ea3i th\u1ef1c hi\u1ec7n&#8221;, c\u00e1c t\u00e1c gi\u1ea3 c\u1ea3nh b\u00e1o.\nThay v\u00e0o \u0111\u00f3, \u0111\u00e3 \u0111\u1ebfn l\u00fac c\u00e1c nh\u00e0 m\u1ea1ng s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 chi\u1ebfn l\u01b0\u1ee3c m\u1edbi m\u00e0 h\u1ecd \u0111\u00e3 \u00e1p d\u1ee5ng \u0111\u1ec3 x\u00e2y d\u1ef1ng h\u01b0\u1edbng t\u1edbi m\u1ed9t t\u01b0\u01a1ng lai \u0111\u1ea7y th\u00e1ch th\u1ee9c. <\/p>\n\n<p>L\u1ea1m ph\u00e1t \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c m\u1edbi trong n\u0103m 2022 v\u00e0 c\u00f3 kh\u1ea3 n\u0103ng l\u00e0m nh\u01b0 v\u1eady trong nh\u1eefng n\u0103m t\u1edbi.\nKhi l\u1ea1m ph\u00e1t gia t\u0103ng, chi ph\u00ed y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng c\u0169ng t\u0103ng theo, t\u1eeb \u0111\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn t\u1ef7 su\u1ea5t l\u1ee3i nhu\u1eadn v\u00e0 t\u0103ng tr\u01b0\u1edfng ph\u00ed b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/www.swissre.com\/institute\/research\/sigma-research\/Insurance-Monitoring\/us-property-casualty-outlook-july-2022.html\" target=\"_blank\" rel=\"noreferrer noopener\">Thomas Holzheu v\u00e0 James Finucane<\/a>, c\u00e1c nh\u00e0 kinh t\u1ebf t\u1ea1i Swiss Re vi\u1ebft. <\/p>\n\n<p>Tin t\u1ed1t cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong l\u00e0 t\u0103ng tr\u01b0\u1edfng trong l\u0129nh v\u1ef1c n\u00e0y \u0111\u00e3 m\u1ea1nh m\u1ebd, t\u1ea1o n\u1ec1n t\u1ea3ng cho t\u0103ng tr\u01b0\u1edfng ng\u1eafn h\u1ea1n, <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/research\/us-pc-insurance-market-report-personal-commercial-auto-fortunes-flip\" target=\"_blank\" rel=\"noreferrer noopener\">Tim Zawacki<\/a> vi\u1ebft t\u1ea1i S&amp;P.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ti\u1ebfp t\u1ee5c x\u00e2y d\u1ef1ng d\u1ef1a tr\u00ean s\u1ef1 t\u0103ng tr\u01b0\u1edfng v\u00e0 hi\u1ec7u qu\u1ea3 k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a h\u1ecd \u0111\u1ec3 ki\u1ec3m so\u00e1t chi ph\u00ed \u0111\u1ed3ng th\u1eddi ch\u1ee9ng minh gi\u00e1 tr\u1ecb v\u00e0 \u0111\u1ed9 tin c\u1eady m\u00e0 kh\u00e1ch h\u00e0ng y\u00eau c\u1ea7u. <\/p>\n\n<p>Nh\u1eefng ng\u00e0y m\u00e0 s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 ch\u1ec9 l\u00e0 m\u1ed9t d\u1ef1 \u0111o\u00e1n ho\u1eb7c s\u1ef1 m\u1edbi l\u1ea1 \u0111\u00e3 qua l\u00e2u r\u1ed3i.\nNg\u00e0y nay, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi cu\u1ed9c c\u00e1ch m\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1.\nNh\u1eefng ng\u01b0\u1eddi l\u00e0m nh\u01b0 v\u1eady n\u1eafm l\u1ea5y l\u1ee3i \u00edch c\u1ee7a n\u00f3 &#8211; v\u00e0 \u0111\u1ecbnh v\u1ecb b\u1ea3n th\u00e2n cho m\u1ed9t t\u01b0\u01a1ng lai m\u1ea1nh m\u1ebd h\u01a1n.  <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: nettpix\/\u00a9123RF.com, gstockstudio\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>T\u1ea5t c\u1ea3 c\u00e1c xu h\u01b0\u1edbng b\u1ea3o hi\u1ec3m ch\u00ednh hi\u1ec7n nay c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u00f3m t\u1eaft trong m\u1ed9t t\u1eeb: K\u1ef9 thu\u1eadt s\u1ed1. T\u1eeb h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m \u0111\u1ebfn thay \u0111\u1ed5i k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng, m\u1ecdi th\u1ee9 m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ed1i m\u1eb7t ng\u00e0y nay v\u00e0 trong t\u01b0\u01a1ng lai \u0111\u1ec1u ph\u1ee5 thu\u1ed9c [&hellip;]<\/p>\n","protected":false},"featured_media":11726,"template":"","insight-category":[],"class_list":["post-18491","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/18491","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\/11726"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=18491"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=18491"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}