{"id":18685,"date":"2024-09-19T20:53:07","date_gmt":"2024-09-20T01:53:07","guid":{"rendered":"https:\/\/bolttech.io\/insight\/mot-the-gioi-bao-hiem-nhung-trong-nhu-the-nao\/"},"modified":"2024-09-19T20:53:10","modified_gmt":"2024-09-20T01:53:10","slug":"mot-the-gioi-bao-hiem-nhung-trong-nhu-the-nao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/mot-the-gioi-bao-hiem-nhung-trong-nhu-the-nao\/","title":{"rendered":"M\u1ed9t th\u1ebf gi\u1edbi b\u1ea3o hi\u1ec3m nh\u00fang tr\u00f4ng nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"\n<p>B\u1ea3o hi\u1ec3m nh\u00fang ti\u1ebfp t\u1ee5c lan r\u1ed9ng v\u00e0 ph\u00e1t tri\u1ec3n.\nS\u1ef1 ph\u1ed5 bi\u1ebfn c\u1ee7a n\u00f3 b\u1eaft ngu\u1ed3n t\u1eeb kh\u1ea3 n\u0103ng cung c\u1ea5p l\u1ee3i \u00edch cho c\u00e1c nh\u00e0 m\u1ea1ng, \u0111\u1ea1i l\u00fd, doanh nghi\u1ec7p b\u00ean th\u1ee9 ba v\u00e0 kh\u00e1ch h\u00e0ng &#8211; t\u1ea5t c\u1ea3 trong c\u00f9ng m\u1ed9t giao d\u1ecbch.\nKhi c\u00f4ng ngh\u1ec7 gi\u00fap cung c\u1ea5p b\u1ea3o hi\u1ec3m nh\u00fang v\u00e0 \u0111i\u1ec3m b\u00e1n h\u00e0ng d\u1ec5 d\u00e0ng h\u01a1n, c\u00f3 kh\u1ea3 n\u0103ng kh\u00e1ch h\u00e0ng s\u1ebd s\u1edbm c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn b\u1ea3o hi\u1ec3m cho m\u1ecdi nhu c\u1ea7u t\u1ea1i th\u1eddi \u0111i\u1ec3m c\u00f3 nhu c\u1ea7u.  <\/p>\n\n<p>M\u1ed9t th\u1ebf gi\u1edbi b\u1ea3o hi\u1ec3m nh\u00fang tr\u00f4ng nh\u01b0 th\u1ebf n\u00e0o?\nKhi ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111i\u1ec3m b\u00e1n h\u00e0ng tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n, \u0111i\u1ec1u g\u00ec thay \u0111\u1ed5i \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m &#8211; v\u00e0 n\u00f3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn m\u1ed1i quan h\u1ec7 gi\u1eefa nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 kh\u00e1ch h\u00e0ng nh\u01b0 th\u1ebf n\u00e0o?\nH\u00ecnh dung m\u1ed9t th\u1ebf gi\u1edbi b\u1ea3o hi\u1ec3m nh\u00fang c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh t\u1ed1t h\u01a1n v\u1ec1 c\u00e1c kho\u1ea3n \u0111\u1ea7u t\u01b0 c\u00f4ng ngh\u1ec7 ng\u00e0y nay.  <\/p>\n\n<h2 class=\"wp-block-heading\">Ph\u1ea1m vi nh\u00fang v\u00e0 xu h\u01b0\u1edbng ph\u00e2n ph\u1ed1i g\u1ea7n \u0111\u00e2y<\/h2>\n\n<p>Kh\u00e1ch h\u00e0ng ng\u00e0y nay mua s\u1eafm kh\u00e1c v\u1edbi m\u1ed9t th\u1eadp k\u1ef7 tr\u01b0\u1edbc.\nNh\u1eefng th\u00f3i quen n\u00e0y \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn g\u1ea7n nh\u01b0 t\u1ea5t c\u1ea3 c\u00e1c giao d\u1ecbch mua, kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n l\u00e0 b\u1ea3o hi\u1ec3m.\nKh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n nghi\u00ean c\u1ee9u tr\u1ef1c tuy\u1ebfn nh\u01b0ng mua h\u00e0ng tr\u1ef1c ti\u1ebfp ho\u1eb7c qua \u0111i\u1ec7n tho\u1ea1i.\nH\u1ecd c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n nghi\u00ean c\u1ee9u tr\u1ef1c ti\u1ebfp nh\u01b0ng mua h\u00e0ng tr\u1ef1c tuy\u1ebfn.   <\/p>\n\n<p>C\u00e1ch kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m \u0111\u1ecbnh h\u00ecnh s\u1ef1 hi\u1ec3u bi\u1ebft c\u1ee7a h\u1ecd v\u1ec1 nhu c\u1ea7u b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd, <a href=\"https:\/\/www.plugandplaytechcenter.com\/resources\/trends-that-shaped-the-insurance-industry-in-2021\/\" target=\"_blank\" rel=\"noreferrer noopener\">Matteo Pisani<\/a> vi\u1ebft t\u1ea1i n\u1ec1n t\u1ea3ng \u0111\u1ed5i m\u1edbi Plug and Play.\nTh\u00f4ng tin kh\u00e1ch h\u00e0ng ti\u00eau h\u00f3a tr\u00ean \u0111\u01b0\u1eddng mua h\u00e0ng v\u00e0 ngu\u1ed3n m\u00e0 h\u1ecd c\u00f3 \u0111\u01b0\u1ee3c th\u00f4ng tin \u0111\u00f3, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd th\u1ef1c hi\u1ec7n. <\/p>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang cung c\u1ea5p b\u1ea3o hi\u1ec3m t\u1ea1i th\u1eddi \u0111i\u1ec3m m\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng th\u1ea5y l\u1ee3i \u00edch c\u1ee7a b\u1ea3o hi\u1ec3m nh\u1ea5t &#8211; b\u1edfi v\u00ec h\u1ecd \u0111\u00e3 th\u1ea5y gi\u00e1 tr\u1ecb c\u1ee7a vi\u1ec7c mua h\u00e0ng ho\u1eb7c ho\u1ea1t \u0111\u1ed9ng.\nThay v\u00ec c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea7n b\u00e1n cho kh\u00e1ch h\u00e0ng v\u1ec1 gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m, kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m nh\u01b0 m\u1ed9t t\u00ednh n\u0103ng c\u1ee7a giao d\u1ecbch mua m\u00e0 h\u1ecd \u0111\u00e3 x\u00e1c \u0111\u1ecbnh th\u1ef1c hi\u1ec7n, <a href=\"https:\/\/www.majesco.com\/game-changing-trends-in-2022-for-the-future-of-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\">Denise Garth<\/a>, gi\u00e1m \u0111\u1ed1c chi\u1ebfn l\u01b0\u1ee3c t\u1ea1i Majesco vi\u1ebft. <\/p>\n\n<p>H\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m \u0111\u00e3 thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y.\nM\u1ed1i quan h\u1ec7 v\u1eabn trong t\u00ecnh tr\u1ea1ng t\u0103ng tr\u01b0\u1edfng nhanh ch\u00f3ng.\nNh\u1eefng thay \u0111\u1ed5i h\u01a1n n\u1eefa trong k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u1ecbnh h\u00ecnh c\u00e1ch ti\u1ebfp c\u1eadn ph\u00e2n ph\u1ed1i c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, <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\">Gary Shaw<\/a> t\u1ea1i Deloitte vi\u1ebft.\nKhi kh\u00e1ch h\u00e0ng tr\u1edf n\u00ean quen thu\u1ed9c h\u01a1n v\u1edbi c\u00e1c t\u00f9y ch\u1ecdn b\u1ea3o hi\u1ec3m nh\u00fang v\u00e0 \u0111i\u1ec3m b\u00e1n h\u00e0ng, h\u1ecd c\u00f3 kh\u1ea3 n\u0103ng thay \u0111\u1ed5i h\u00e0nh vi c\u1ee7a m\u00ecnh \u0111\u1ec3 n\u1eafm b\u1eaft nh\u1eefng c\u01a1 h\u1ed9i n\u00e0y.   <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/parked-cars-at-dealership-1024x692.jpg\" alt=\"Xe &#xF4; t&#xF4; &#x111;&#x1EC3; b&#xE1;n Stock Lot Row.&#10;H&#xE0;ng t&#x1ED3;n kho &#x111;&#x1EA1;i l&#xFD; xe h&#x1A1;i \" class=\"wp-image-11342\"\/><\/figure>\n\n<h2 class=\"wp-block-heading\">Nh\u1eefng g\u00ec mong \u0111\u1ee3i t\u1eeb c\u00e1c t\u00f9y ch\u1ecdn ph\u00e2n ph\u1ed1i \u0111i\u1ec3m b\u00e1n h\u00e0ng<\/h2>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang kh\u00f4ng \u0111\u01b0\u1ee3c sinh ra trong th\u1eddi \u0111\u1ea1i k\u1ef9 thu\u1eadt s\u1ed1.\nM\u1ed9t s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m nh\u1ea5t \u0111\u1ecbnh, nh\u01b0 b\u1ea3o hi\u1ec3m du l\u1ecbch, t\u1eeb l\u00e2u \u0111\u00e3 \u0111\u01b0\u1ee3c nh\u00fang v\u00e0o gi\u00e1 c\u1ee7a giao d\u1ecbch mua c\u01a1 b\u1ea3n (nh\u01b0 v\u00e9 t\u00e0u ho\u1eb7c m\u00e1y bay) ho\u1eb7c c\u00f3 s\u1eb5n t\u1ea1i \u0111i\u1ec3m b\u00e1n c\u00e1c m\u1eb7t h\u00e0ng n\u00e0y (nh\u01b0 t\u00f9y ch\u1ecdn th\u00eam b\u1ea3o hi\u1ec3m h\u1ee7y). <\/p>\n\n<p>Tuy nhi\u00ean, trong nhi\u1ec1u n\u0103m, ph\u1ea1m vi b\u1ea3o hi\u1ec3m nh\u00fang v\u00e0 \u0111i\u1ec3m b\u00e1n h\u00e0ng b\u1ecb gi\u1edbi h\u1ea1n \u1edf nh\u1eefng r\u1ee7i ro \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh r\u00f5 r\u00e0ng v\u00e0 \u0111\u01a1n gi\u1ea3n \u0111\u1ec3 b\u1ea3o hi\u1ec3m.\nNgay c\u1ea3 ng\u00e0y nay, khi b\u1ea3o hi\u1ec3m nh\u00fang m\u1edf r\u1ed9ng, m\u00f4 h\u00ecnh ph\u00e2n ph\u1ed1i \u0111ang ti\u1ebfn tri\u1ec3n nhanh h\u01a1n khi b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh \u0111\u01a1n gi\u1ea3n. <\/p>\n\n<p>Hi\u1ec7n t\u1ea1i, m\u1ed9t s\u1ed1 tr\u1edf ng\u1ea1i khi\u1ebfn t\u01b0\u01a1ng lai c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang to\u00e0n c\u1ea7u tr\u1edf th\u00e0nh th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, nh\u00e0 \u0111\u1ea7u t\u01b0 m\u1ea1o hi\u1ec3m to\u00e0n c\u1ea7u <a href=\"https:\/\/www.forbes.com\/sites\/alexlazarow\/2021\/10\/12\/embedded-insurance--where-are-we-now\/?sh=a27da3c42f83\" target=\"_blank\" rel=\"noreferrer noopener\">Alex Lazarow<\/a>, t\u00e1c gi\u1ea3 c\u1ee7a &#8220;Out-Innovate&#8221; vi\u1ebft.\nNh\u1eefng th\u00e1ch th\u1ee9c n\u00e0y bao g\u1ed3m: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>**B\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh ph\u1ee9c t\u1ea1p.\n**Lazarow tr\u00edch d\u1eabn b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd l\u00e0m v\u00ed d\u1ee5, nh\u01b0ng m\u1ed9t s\u1ed1 ch\u00ednh s\u00e1ch t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong c\u0169ng ph\u1ea3i \u0111\u00e1nh gi\u00e1 m\u1ed9t s\u1ed1 y\u1ebfu t\u1ed1 ph\u1ee9c t\u1ea1p \u0111\u1ec3 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh ch\u00ednh x\u00e1c. <\/li>\n\n\n\n<li>** Hi\u1ec3u h\u00e0nh vi v\u00e0 s\u1ef1 tham gia c\u1ee7a kh\u00e1ch h\u00e0ng.\n**V\u00ed d\u1ee5, b\u1ea3o hi\u1ec3m ch\u1ed1ng l\u1ea1i c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng m\u1ea1ng ph\u1ee5 thu\u1ed9c r\u1ea5t nhi\u1ec1u v\u00e0o nh\u1eefng g\u00ec kh\u00e1ch h\u00e0ng l\u00e0m ho\u1eb7c kh\u00f4ng l\u00e0m \u0111\u1ec3 ng\u0103n ch\u1eb7n c\u00e1c cu\u1ed9c t\u1ea5n c\u00f4ng v\u00e0 gi\u1ea3m thi\u1ec3u thi\u1ec7t h\u1ea1i.\nCung c\u1ea5p ch\u00ednh s\u00e1ch \u0111i\u1ec3m b\u00e1n h\u00e0ng m\u00e0 kh\u00f4ng c\u00f3 th\u00f4ng tin v\u1ec1 c\u00e1ch ti\u1ebfp c\u1eadn c\u00e1 nh\u00e2n c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi an ninh m\u1ea1ng ch\u1ee9ng t\u1ecf l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c.  <\/li>\n\n\n\n<li>**X\u1eed l\u00fd nhi\u1ec1u lo\u1ea1i tr\u1eeb.\n** Kh\u00f4ng ph\u1ea3i m\u1ecdi tr\u1ecdng t\u00e2m b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, nh\u00e0 c\u1eeda, doanh nghi\u1ec7p ho\u1eb7c b\u1ea3o hi\u1ec3m kh\u00e1c \u0111\u1ec1u gi\u1ed1ng nhau.\nKhi c\u00f3 nhi\u1ec1u lo\u1ea1i tr\u1eeb, ch\u1eb3ng h\u1ea1n nh\u01b0 nhi\u1ec1u nh\u00e0 ph\u1ee5 tr\u00ean m\u1ed9t t\u00e0i s\u1ea3n m\u00e0 ch\u1ee7 s\u1edf h\u1eefu t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m l\u0169 l\u1ee5t, c\u00e1c t\u00f9y ch\u1ecdn nh\u00fang &#8220;m\u1ed9t k\u00edch th\u01b0\u1edbc ph\u00f9 h\u1ee3p v\u1edbi h\u1ea7u h\u1ebft&#8221; s\u1ebd kh\u00f4ng ph\u00f9 h\u1ee3p v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 t\u00e0i s\u1ea3n \u0111\u00f3 &#8211; c\u0169ng nh\u01b0 cho c\u00f4ng ty b\u1ea3o hi\u1ec3m.  <\/li>\n<\/ul>\n\n<p>Nh\u1eefng ti\u1ebfn b\u1ed9 trong c\u00f4ng ngh\u1ec7 c\u00f3 th\u1ec3 s\u1ebd c\u1ea3i thi\u1ec7n v\u00e0 thay \u0111\u1ed5i kh\u1ea3 n\u0103ng b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m theo nh\u1eefng c\u00e1ch gi\u00fap b\u1ea3o hi\u1ec3m nh\u00fang d\u1ec5 d\u00e0ng h\u01a1n, ngay c\u1ea3 khi c\u00e2u h\u1ecfi ph\u1ee9c t\u1ea1p.<\/p>\n\n<p>Tuy nhi\u00ean, vi\u1ec7c chuy\u1ec3n sang c\u00f4ng ngh\u1ec7 \u0111\u1eb7t ra m\u1ed9t v\u1ea5n \u0111\u1ec1 hi\u1ec7n t\u1ea1i kh\u00e1c cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m: Li\u1ec7u nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 c\u00f3 c\u00e1c c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 v\u00e0 n\u0103ng l\u1ef1c \u0111\u1ec3 \u0111\u00e1p \u1ee9ng m\u1ee5c ti\u00eau c\u1ee7a h\u1ecd kh\u00f4ng?<\/p>\n\n<p>C\u00e2u h\u1ecfi c\u00f4ng ngh\u1ec7 l\u00e0 m\u1ed9t c\u00e2u h\u1ecfi l\u1edbn \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 m\u1ea1ng \u0111\u01b0\u01a1ng nhi\u1ec7m ng\u00e0y nay.\n&#8220;Trong khi h\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ed1 g\u1eafng t\u1eadp trung v\u00e0o th\u1ebf m\u1ea1nh c\u1ee7a h\u1ecd, h\u1ecd c\u0169ng th\u01b0\u1eddng thi\u1ebfu \u0111\u1ea7u t\u01b0 v\u00e0o c\u00e1c l\u0129nh v\u1ef1c n\u00e0y v\u00e0 kh\u00f4ng h\u00e0nh \u0111\u1ed9ng kh\u1ea9n c\u1ea5p, d\u1eabn \u0111\u1ebfn m\u1ed9t cu\u1ed9c \u0111ua v\u1ec1 gi\u1eefa&#8221;, <a href=\"https:\/\/www.pwc.com\/us\/en\/industries\/financial-services\/library\/next-in-insurance-top-issues.html\" target=\"_blank\" rel=\"noreferrer noopener\">Ellen Walsh<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i PwC vi\u1ebft.\nTrong tr\u01b0\u1eddng h\u1ee3p ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c nh\u00fang tr\u00ean ph\u1ed5 P &amp;C, y\u00eau c\u1ea7u c\u00f4ng ngh\u1ec7 l\u00e0 m\u1ed9t y\u00eau c\u1ea7u l\u1edbn &#8211; v\u00e0 s\u1ef1 do d\u1ef1 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111i t\u1ea5t c\u1ea3 m\u00e0 kh\u00f4ng c\u1ea7n h\u1ed7 tr\u1ee3 l\u00e0 \u0111i\u1ec1u d\u1ec5 hi\u1ec3u.  <\/p>\n\n<p>Tuy nhi\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u1ea3i \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u00f4ng ngh\u1ec7 c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang v\u00e0 \u0111i\u1ec3m b\u00e1n h\u00e0ng m\u1ed9t m\u00ecnh.\nT\u1ea1o quan h\u1ec7 \u0111\u1ed1i t\u00e1c b\u1ea3o hi\u1ec3m nh\u00fang c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m x\u00f3a b\u1ecf m\u1ed9t s\u1ed1 r\u00e0o c\u1ea3n c\u00f4ng ngh\u1ec7 n\u00e0y b\u1eb1ng c\u00e1ch t\u1ea1o d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty \u0111\u00e3 c\u00f3 s\u1eb5n m\u1ed9t s\u1ed1 c\u00f4ng c\u1ee5 c\u1ea7n thi\u1ebft. <\/p>\n\n<p>&#8220;N\u00f3i chung, c\u00e1c c\u00f4ng ty kh\u00f4ng b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 m\u1edbi h\u01a1n cho ph\u00e9p s\u1ef1 tham gia c\u1ee7a kh\u00e1ch h\u00e0ng&#8221; theo c\u00e1ch m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m c\u00f3 th\u1ec3 ph\u1ea3i v\u1eadt l\u1ed9n \u0111\u1ec3 l\u00e0m, <a href=\"https:\/\/member.fintech.global\/2022\/03\/07\/embedded-insurance-the-future-of-insurance-distribution\/\" target=\"_blank\" rel=\"noreferrer noopener\">Alex Astengo<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u b\u1ed9 ph\u1eadn b\u00e1n h\u00e0ng t\u1ea1i Cloud Insurance cho bi\u1ebft.\nB\u1eb1ng c\u00e1ch h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty kh\u00f4ng ph\u1ea3i l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n v\u1ecb th\u1ebf c\u00f4ng ngh\u1ec7 c\u1ee7a ch\u00ednh h\u1ecd trong khi chia s\u1ebb r\u1ee7i ro ph\u00e1t tri\u1ec3n c\u00f4ng ngh\u1ec7 v\u1edbi m\u1ed9t \u0111\u1ed1i t\u00e1c \u0111\u01b0\u1ee3c trang b\u1ecb t\u1ed1t h\u01a1n \u0111\u1ec3 x\u1eed l\u00fd s\u1ef1 thay \u0111\u1ed5i. <\/p>\n\n<p>Tr\u00ean h\u1ebft, c\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m nh\u00fang v\u00e0 \u0111i\u1ec3m b\u00e1n h\u00e0ng s\u1ebd d\u1eabn \u0111\u1ebfn t\u0103ng tr\u01b0\u1edfng.\n&#8220;Ti\u1ec1m n\u0103ng th\u00fac \u0111\u1ea9y c\u00e1c doanh nghi\u1ec7p v\u1edbi t\u01b0 c\u00e1ch l\u00e0 nh\u00e0 ph\u00e2n ph\u1ed1i \u0111\u1ed3ng th\u1eddi cung c\u1ea5p nhi\u1ec1u s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ri\u00eang bi\u1ec7t h\u01a1n c\u00f3 th\u1ec3 m\u1edf ra ti\u1ec1m n\u0103ng l\u1edbn ch\u01b0a \u0111\u01b0\u1ee3c khai th\u00e1c&#8221;, <a href=\"https:\/\/www.insurancethoughtleadership.com\/ecosystems\/embedded-insurance-new-hot-topic\" target=\"_blank\" rel=\"noreferrer noopener\">Joan Cusco<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u chuy\u1ec3n \u0111\u1ed5i to\u00e0n c\u1ea7u t\u1ea1i MAPFRE vi\u1ebft. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img decoding=\"async\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/flooded-living-room-1024x768.jpg\" alt=\"B&#xEA;n trong ng&#xF4;i nh&#xE0; ng&#x1EAD;p trong n&#x1B0;&#x1EDB;c.&#10;Minh h&#x1ECD;a 3D \" class=\"wp-image-11332\"\/><\/figure>\n\n<h2 class=\"wp-block-heading\">Nh\u00ecn v\u1ec1 ph\u00eda tr\u01b0\u1edbc: B\u1ea3o hi\u1ec3m \u0111i\u1ec3m b\u00e1n h\u00e0ng v\u00e0 t\u01b0\u01a1ng lai<\/h2>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi m\u1ed9t s\u1ed1 c\u00f4ng ngh\u1ec7 x\u00e2m nh\u1eadp v\u00e0o ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m, bao g\u1ed3m tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, thu th\u1eadp d\u1eef li\u1ec7u ph\u00e2n t\u00e1n v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n.\nKhi c\u00e1c c\u00f4ng ngh\u1ec7 n\u00e0y tr\u01b0\u1edfng th\u00e0nh, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd th\u1ea5y m\u00ecnh c\u00f3 th\u1ec3 &#8220;b\u1ea3o l\u00e3nh m\u1ed9t lo\u1ea1t c\u00e1c r\u1ee7i ro r\u1ed9ng h\u01a1n ho\u1eb7c \u00edt nhi\u1ec1u t\u1ef1 \u0111\u1ed9ng b\u1eb1ng c\u00e1ch s\u1eed d\u1ee5ng d\u1eef li\u1ec7u th\u1eddi gian th\u1ef1c, trong th\u1ebf gi\u1edbi th\u1ef1c t\u1eeb nhi\u1ec1u ngu\u1ed3n kh\u00e1c nhau&#8221;, <a href=\"https:\/\/www.mckinsey.com\/industries\/financial-services\/our-insights\/how-top-tech-trends-will-transform-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Krish Krishnakanthan<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i McKinsey vi\u1ebft. <\/p>\n\n<p>\u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, nhi\u1ec1u c\u00f4ng ngh\u1ec7 trong s\u1ed1 n\u00e0y \u0111ang tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n c\u1ee7a cu\u1ed9c s\u1ed1ng h\u00e0ng ng\u00e0y.\nTr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 thu th\u1eadp d\u1eef li\u1ec7u ph\u00e2n t\u00e1n nh\u1ea5n m\u1ea1nh tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a tr\u1ef1c tuy\u1ebfn.\nT\u1ef1 \u0111\u1ed9ng h\u00f3a \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n gi\u00fap kh\u00e1ch h\u00e0ng qu\u1ea3n l\u00fd vi\u1ec7c s\u1eed d\u1ee5ng n\u0103ng l\u01b0\u1ee3ng, b\u1ea3o v\u1ec7 ng\u00f4i nh\u00e0 c\u1ee7a h\u1ecd kh\u1ecfi thi\u1ec7t h\u1ea1i do n\u01b0\u1edbc v\u00e0 h\u1ecfa ho\u1ea1n, \u0111\u1ed3ng th\u1eddi x\u00e2y d\u1ef1ng an ninh h\u01a1n m\u00e0 kh\u00f4ng ph\u1ea3i d\u00e0nh s\u1ef1 ch\u00fa \u00fd qu\u00e1 m\u1ee9c cho quy tr\u00ecnh.  <\/p>\n\n<p>Cu\u1ed9c c\u00e1ch m\u1ea1ng b\u1ea3o hi\u1ec3m nh\u00fang s\u1ebd kh\u00f4ng k\u1ebft th\u00fac v\u1edbi kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n.\nC\u00e1c ch\u1ee7 doanh nghi\u1ec7p tr\u1ea3i nghi\u1ec7m nh\u1eefng l\u1ee3i \u00edch c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang v\u1edbi t\u01b0 c\u00e1ch l\u00e0 ng\u01b0\u1eddi mua c\u00e1 nh\u00e2n c\u00f3 kh\u1ea3 n\u0103ng y\u00eau c\u1ea7u s\u1ef1 ti\u1ec7n l\u1ee3i t\u01b0\u01a1ng t\u1ef1 cho c\u00f4ng ty c\u1ee7a h\u1ecd, Cusco vi\u1ebft.\nKhi c\u00e1c doanh nghi\u1ec7p t\u00ecm ki\u1ebfm nh\u1eefng l\u1ee3i \u00edch m\u00e0 c\u00e1c c\u00e1 nh\u00e2n \u0111\u00e3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng, b\u1ea3o hi\u1ec3m nh\u00fang s\u1ebd chuy\u1ec3n t\u1eeb li\u00ean doanh B2C sang c\u00e1c m\u1ed1i quan h\u1ec7 B2B.  <\/p>\n\n<p>&#8220;L\u00e0 m\u1ed9t m\u00f4 h\u00ecnh kinh doanh, [embedded insurance] c\u00f3 r\u1ea5t nhi\u1ec1u th\u1ee9 v\u00ec n\u00f3 mang l\u1ea1i l\u1ee3i \u00edch cho to\u00e0n b\u1ed9 chu\u1ed7i gi\u00e1 tr\u1ecb &#8211; kh\u00e1ch h\u00e0ng, nh\u00e0 ph\u00e2n ph\u1ed1i v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m&#8221;, <a href=\"https:\/\/www.instech.co\/sites\/instech.london\/files\/civicrm\/persist\/contribute\/files\/insurance-to-embed-or-not-to-embed-preview.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Robin Merttens<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 \u0111\u1ed1i t\u00e1c t\u1ea1i InsTech London vi\u1ebft.\nKhi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ecm c\u00e1ch m\u1edf kh\u00f3a gi\u00e1 tr\u1ecb \u0111\u00f3 cho b\u1ea3n th\u00e2n, \u0111\u1ed1i t\u00e1c kinh doanh v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd, b\u1ea3o hi\u1ec3m nh\u00fang c\u00f3 th\u1ec3 tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n m\u1edbi cho ph\u00e2n ph\u1ed1i P&amp;C. <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: everythingpossible\/\u00a9123RF.com, aprior\/\u00a9123RF.com, stockernumber2\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m nh\u00fang ti\u1ebfp t\u1ee5c lan r\u1ed9ng v\u00e0 ph\u00e1t tri\u1ec3n. S\u1ef1 ph\u1ed5 bi\u1ebfn c\u1ee7a n\u00f3 b\u1eaft ngu\u1ed3n t\u1eeb kh\u1ea3 n\u0103ng cung c\u1ea5p l\u1ee3i \u00edch cho c\u00e1c nh\u00e0 m\u1ea1ng, \u0111\u1ea1i l\u00fd, doanh nghi\u1ec7p b\u00ean th\u1ee9 ba v\u00e0 kh\u00e1ch h\u00e0ng &#8211; t\u1ea5t c\u1ea3 trong c\u00f9ng m\u1ed9t giao d\u1ecbch. Khi c\u00f4ng ngh\u1ec7 gi\u00fap cung c\u1ea5p b\u1ea3o hi\u1ec3m nh\u00fang [&hellip;]<\/p>\n","protected":false},"featured_media":11361,"template":"","insight-category":[],"class_list":["post-18685","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/18685","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\/11361"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=18685"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=18685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}