{"id":18502,"date":"2024-09-19T19:41:17","date_gmt":"2024-09-20T00:41:17","guid":{"rendered":"https:\/\/bolttech.io\/insight\/lam-phat-tac-dong-nhu-the-nao-den-pham-vi-bao-hiem-san-pham-va-chinh-sach\/"},"modified":"2024-09-19T19:41:22","modified_gmt":"2024-09-20T00:41:22","slug":"lam-phat-tac-dong-nhu-the-nao-den-pham-vi-bao-hiem-san-pham-va-chinh-sach","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-phat-tac-dong-nhu-the-nao-den-pham-vi-bao-hiem-san-pham-va-chinh-sach\/","title":{"rendered":"L\u1ea1m ph\u00e1t t\u00e1c \u0111\u1ed9ng nh\u01b0 th\u1ebf n\u00e0o \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m, s\u1ea3n ph\u1ea9m v\u00e0 ch\u00ednh s\u00e1ch"},"content":{"rendered":"\n

M\u1eb7c d\u00f9 t\u1ef7 l\u1ec7 l\u1ea1m ph\u00e1t \u0111\u00e3 gi\u1ea3m b\u1edbt v\u00e0o th\u00e1ng 8\/2022, ch\u1ee7 \u0111\u1ec1 n\u00e0y v\u1eabn ti\u1ebfp t\u1ee5c g\u00e2y ch\u00fa \u00fd – v\u00e0 v\u00ec l\u00fd do ch\u00ednh \u0111\u00e1ng.\nL\u1ea1m ph\u00e1t v\u1eabn \u0111ang leo thang, v\u00f9i d\u1eadp ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 l\u00e0m suy y\u1ebfu chi\u1ebfn l\u01b0\u1ee3c qu\u1ea3n l\u00fd chi ph\u00ed b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

M\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t c\u1ee7a McKinsey v\u1ec1 ng\u01b0\u1eddi ti\u00eau d\u00f9ng M\u1ef9 cho th\u1ea5y 65% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi cho r\u1eb1ng gi\u00e1 c\u1ea3 v\u00e0 l\u1ea1m ph\u00e1t t\u0103ng l\u00e0 ba m\u1ed1i quan t\u00e2m h\u00e0ng \u0111\u1ea7u c\u1ee7a h\u1ecd, Tamara Charm<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p vi\u1ebft.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng lo ng\u1ea1i t\u01b0\u01a1ng t\u1ef1, v\u00ec l\u1ea1m ph\u00e1t l\u00e0m x\u00f3i m\u00f2n thu nh\u1eadp b\u1eb1ng c\u00e1ch l\u00e0m cho b\u1ea3o hi\u1ec3m t\u1ed1n k\u00e9m h\u01a1n – v\u00e0 b\u1eb1ng c\u00e1ch khi\u1ebfn h\u00e0ng tri\u1ec7u kh\u00e1ch h\u00e0ng kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. <\/p>\n\n

M\u1eb7c d\u00f9 C\u1ee5c D\u1ef1 tr\u1eef Li\u00ean bang \u0111ang th\u1ef1c hi\u1ec7n c\u00e1c b\u01b0\u1edbc \u0111\u1ec3 ki\u1ec1m ch\u1ebf l\u1ea1m ph\u00e1t, nh\u01b0ng t\u00e1c \u0111\u1ed9ng c\u1ee7a n\u00f3 c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m trong m\u1ed9t th\u1eddi gian.\n\u0110\u00e2y l\u00e0 nh\u1eefng g\u00ec c\u00e1c nh\u00e0 m\u1ea1ng c\u1ea7n bi\u1ebft. <\/p>\n\n

T\u00ecnh tr\u1ea1ng l\u1ea1m ph\u00e1t<\/h2>\n\n

T\u1ef7 l\u1ec7 l\u1ea1m ph\u00e1t \u0111\u00e3 \u0111\u1ea1t m\u1ee9c cao l\u1ecbch s\u1eed trong n\u0103m 2022.\nC\u1ee5c Th\u1ed1ng k\u00ea Lao \u0111\u1ed9ng \u01b0\u1edbc t\u00ednh<\/a> ch\u1ec9 s\u1ed1 gi\u00e1 ti\u00eau d\u00f9ng t\u0103ng 8,3% trong kho\u1ea3ng th\u1eddi gian t\u1eeb th\u00e1ng 8\/2021 \u0111\u1ebfn th\u00e1ng 8\/2022 – m\u1ed9t con s\u1ed1 ch\u01b0a t\u1eebng th\u1ea5y k\u1ec3 t\u1eeb cu\u1ed1i nh\u1eefng n\u0103m 1970 v\u00e0 \u0111\u1ea7u nh\u1eefng n\u0103m 1980 khi gi\u00e1 d\u1ea7u t\u0103ng m\u1ea1nh. <\/p>\n\n

BLS \u0111o l\u01b0\u1eddng l\u1ea1m ph\u00e1t b\u1eb1ng c\u00e1ch theo d\u00f5i gi\u00e1 c\u1ee7a m\u1ed9t s\u1ed1 h\u00e0ng h\u00f3a kh\u00e1c nhau, t\u1eeb th\u1ecbt x\u00f4ng kh\u00f3i \u0111\u1ebfn nh\u00e0 cho thu\u00ea.\nTuy nhi\u00ean, gi\u00e1 c\u1ee7a c\u00e1c m\u1eb7t h\u00e0ng li\u00ean quan nhi\u1ec1u h\u01a1n \u0111\u1ebfn c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C \u0111ang t\u0103ng v\u1edbi t\u1ed1c \u0111\u1ed9 th\u1eadm ch\u00ed c\u00f2n nhanh h\u01a1n h\u00e0ng ti\u00eau d\u00f9ng ti\u00eau chu\u1ea9n.\nCh\u1eb3ng h\u1ea1n, chi ph\u00ed g\u1ed7 x\u1ebb \u0111\u00e3 t\u0103ng 22,7% v\u00e0o n\u0103m 2021, trong khi chi ph\u00ed xe \u0111\u00e3 qua s\u1eed d\u1ee5ng t\u0103ng 40,5%, Bill Burns v\u00e0 Lauryn Kothavale<\/a> vi\u1ebft trong m\u1ed9t b\u00e0i b\u00e1o cho Insurance Thought Leadership. <\/p>\n\n

L\u1ea1m ph\u00e1t gia t\u0103ng l\u00e0m t\u0103ng nguy c\u01a1 thi\u1ebfu b\u1ea3o hi\u1ec3m.\nKhi chi ph\u00ed v\u1eadt li\u1ec7u x\u00e2y d\u1ef1ng, ph\u1ee5 t\u00f9ng xe c\u01a1 gi\u1edbi v\u00e0 c\u00e1c h\u00e0ng h\u00f3a kh\u00e1c t\u0103ng l\u00ean, gi\u1edbi h\u1ea1n c\u1ee7a h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m bao g\u1ed3m \u00edt h\u00e0ng h\u00f3a v\u00e0 d\u1ecbch v\u1ee5 c\u1ea7n thi\u1ebft \u0111\u1ec3 kh\u00f4i ph\u1ee5c m\u1ed9t chi\u1ebfc xe ho\u1eb7c t\u00f2a nh\u00e0 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea7y \u0111\u1ee7 sau kh\u1ee7ng ho\u1ea3ng.\nPh\u1ea1m vi b\u1ea3o hi\u1ec3m cung c\u1ea5p s\u1ef1 b\u1ea3o v\u1ec7 \u0111\u1ea7y \u0111\u1ee7 v\u00e0o n\u0103m 2019 ho\u1eb7c 2020 c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng ng\u00e0y nay. <\/p>\n\n

V\u1eadt li\u1ec7u x\u00e2y d\u1ef1ng \u0111\u00e3 b\u1ecb \u1ea3nh h\u01b0\u1edfng \u0111\u1eb7c bi\u1ec7t n\u1eb7ng n\u1ec1 b\u1edfi suy tho\u00e1i kinh t\u1ebf.\n“\u0110i\u1ec1u n\u00e0y xu\u1ea5t ph\u00e1t t\u1eeb l\u1ea1m ph\u00e1t do Covid-19 g\u00e2y ra b\u1edfi t\u1eafc ngh\u1ebdn ngu\u1ed3n cung do \u0111\u00f3ng c\u1eeda nh\u00e0 m\u00e1y, h\u1ea1n ch\u1ebf c\u1ea3ng, t\u1eafc ngh\u1ebdn v\u1eadn chuy\u1ec3n, thi\u1ebfu container v\u00e0 c\u00f4ng nh\u00e2n v\u1eafng m\u1eb7t”, Michael Kay<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u nh\u00f3m th\u1ef1c h\u00e0nh b\u00e1n l\u1ebb t\u1ea1i Lockton, vi\u1ebft.\nV\u00ed d\u1ee5, qu\u1eb7ng s\u1eaft t\u0103ng gi\u00e1 88% trong giai \u0111o\u1ea1n 2021-2022.\nGi\u00e1 th\u00e9p v\u00e0 th\u1ea1ch cao \u0111\u00e3 t\u0103ng 20 \u0111\u1ebfn 30 ph\u1ea7n tr\u0103m. <\/p>\n\n

Th\u1eddi ti\u1ebft th\u1ea3m kh\u1ed1c v\u00e0 c\u00e1c s\u1ef1 ki\u1ec7n thi\u00ean tai \u0111\u00e3 gia t\u0103ng trong nh\u1eefng th\u1eadp k\u1ef7 g\u1ea7n \u0111\u00e2y, v\u00e0 h\u1ecd s\u1ebd ti\u1ebfp t\u1ee5c l\u00e0m nh\u01b0 v\u1eady.\n“N\u1ebfu c\u00e1c gi\u00e1 tr\u1ecb \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m kh\u00f4ng \u0111\u01b0\u1ee3c c\u1eadp nh\u1eadt v\u00e0 \u0111\u00e3 tr\u1edf n\u00ean th\u1ea5p h\u01a1n \u0111\u00e1ng k\u1ec3 do l\u1ea1m ph\u00e1t, k\u1ebft qu\u1ea3 c\u00f3 th\u1ec3 l\u00e0 nh\u1eefng b\u1ea5t ng\u1edd kh\u00f3 ch\u1ecbu t\u1ea1i th\u1eddi \u0111i\u1ec3m y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng c\u0169ng nh\u01b0 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn kh\u1ea3 n\u0103ng ph\u00e2n b\u1ed5 n\u0103ng l\u1ef1c c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m khi gia h\u1ea1n”, Alex Wells<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng trung b\u00ecnh Hoa K\u1ef3 t\u1ea1i Zurich B\u1eafc M\u1ef9 vi\u1ebft. <\/p>\n\n

“\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, t\u00e1c \u0111\u1ed9ng l\u1ea1m ph\u00e1t ch\u00ednh s\u1ebd th\u1ec3 hi\u1ec7n \u1edf chi ph\u00ed y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng t\u0103ng”, Fernando Casanova Aizpun<\/a>, et al. t\u1ea1i Swiss Re. vi\u1ebft.\nH\u1ecd d\u1ef1 \u0111o\u00e1n r\u1eb1ng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 v\u00e0 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd, bao g\u1ed3m c\u1ea3 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd, s\u1ebd ch\u1ee9ng ki\u1ebfn s\u1ef1 gia t\u0103ng m\u1ea1nh nh\u1ea5t v\u1ec1 chi ph\u00ed y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. <\/p>\n\n

Tuy nhi\u00ean, nh\u00f3m Swiss Re v\u1eabn hy v\u1ecdng r\u1eb1ng b\u1ea3o hi\u1ec3m n\u00f3i chung s\u1ebd ch\u1ee9ng ki\u1ebfn s\u1ef1 t\u0103ng tr\u01b0\u1edfng kinh t\u1ebf m\u1ea1nh m\u1ebd h\u01a1n.\nKhi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111i\u1ec1u ch\u1ec9nh theo t\u00ecnh tr\u1ea1ng l\u1ea1m ph\u00e1t, \u0111\u01b0a ph\u00ed b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi chi ph\u00ed y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, h\u1ecd s\u1ebd ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng ngay c\u1ea3 trong th\u1eddi k\u1ef3 kinh t\u1ebf \u0111\u1ea7y th\u00e1ch th\u1ee9c. <\/p>\n\n

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

T\u00e1c \u0111\u1ed9ng c\u1ee7a l\u1ea1m ph\u00e1t \u0111\u1ed1i v\u1edbi ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m<\/h2>\n\n

N\u01a1i \u0111\u1ea7u ti\u00ean c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00ean mong \u0111\u1ee3i \u0111\u1ec3 th\u1ea5y t\u00e1c \u0111\u1ed9ng c\u1ee7a l\u1ea1m ph\u00e1t l\u00e0 trong c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.\nKhi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111i\u1ec1u ch\u1ec9nh theo chi ph\u00ed y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng t\u0103ng, nh\u1eefng thay \u0111\u1ed5i c\u0169ng s\u1ebd x\u1ea3y ra trong ph\u00e2n ph\u1ed1i. <\/p>\n\n

Nh\u1eefng thay \u0111\u1ed5i d\u1ef1 ki\u1ebfn v\u1ec1 ph\u00eda ph\u00e2n ph\u1ed1i bao g\u1ed3m:<\/p>\n\n