{"id":18760,"date":"2024-09-19T20:54:12","date_gmt":"2024-09-20T01:54:12","guid":{"rendered":"https:\/\/bolttech.io\/insight\/pay-as-you-go-mot-chan-troi-moi-cho-bao-hiem-nhung-va-ca-nhan-hoa\/"},"modified":"2024-09-19T20:54:17","modified_gmt":"2024-09-20T01:54:17","slug":"pay-as-you-go-mot-chan-troi-moi-cho-bao-hiem-nhung-va-ca-nhan-hoa","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/pay-as-you-go-mot-chan-troi-moi-cho-bao-hiem-nhung-va-ca-nhan-hoa\/","title":{"rendered":"Pay-As-You-Go: M\u1ed9t ch\u00e2n tr\u1eddi m\u1edbi cho b\u1ea3o hi\u1ec3m nh\u00fang v\u00e0 c\u00e1 nh\u00e2n h\u00f3a"},"content":{"rendered":"\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m mu\u1ed1n ph\u00e2n ph\u1ed1i kh\u00f4ng \u0111au.\nKh\u00e1ch h\u00e0ng mu\u1ed1n c\u00e1 nh\u00e2n h\u00f3a.\nC\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u1ec1u mu\u1ed1n b\u1ea3o hi\u1ec3m gi\u1ea3i quy\u1ebft c\u00e1c r\u1ee7i ro th\u1ef1c t\u1ebf m\u1ed9t c\u00e1ch th\u00edch h\u1ee3p. <\/p>\n\n

B\u1ea3o hi\u1ec3m Pay-as-you-go (PAYG) cung c\u1ea5p m\u1ed9t gi\u1ea3i ph\u00e1p mang c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng l\u1ea1i v\u1edbi nhau.\nB\u1eb1ng c\u00e1ch k\u1ebft h\u1ee3p s\u1ef1 d\u1ec5 d\u00e0ng c\u1ee7a ph\u1ea1m vi b\u1ea3o hi\u1ec3m nh\u00fang v\u1edbi tr\u1ecdng t\u00e2m l\u00e0 b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a, c\u00e1c m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m PAYG \u0111ang thay \u0111\u1ed5i ph\u00e2n ph\u1ed1i – v\u00e0 mang l\u1ea1i l\u1ee3i \u00edch cho c\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd. <\/p>\n\n

Nh\u00fang + C\u00e1 nh\u00e2n h\u00f3a = Thanh to\u00e1n theo m\u1ee9c s\u1eed d\u1ee5ng<\/h2>\n\n

S\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c c\u00f4ng c\u1ee5 theo d\u00f5i k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 t\u1ea1o ra c\u01a1 h\u1ed9i cho c\u00e1c m\u00f4 h\u00ecnh thanh to\u00e1n theo m\u1ee9c s\u1eed d\u1ee5ng.\n“B\u1ea3o hi\u1ec3m tr\u1ea3 ti\u1ec1n theo m\u1ee9c s\u1eed d\u1ee5ng n\u1eb1m d\u01b0\u1edbi s\u1ef1 b\u1ea3o tr\u1ee3 c\u1ee7a b\u1ea3o hi\u1ec3m d\u1ef1a tr\u00ean vi\u1ec7c s\u1eed d\u1ee5ng, s\u1eed d\u1ee5ng vi\u1ec5n th\u00f4ng \u0111\u1ec3 theo d\u00f5i c\u00e1ch m\u1ed9t ng\u01b0\u1eddi l\u00e1i xe v\u00e0 sau \u0111\u00f3 th\u01b0\u1edfng ho\u1eb7c ph\u1ea1t h\u1ecd d\u01b0\u1edbi h\u00ecnh th\u1ee9c gi\u1ea3m ph\u00ed b\u1ea3o hi\u1ec3m ho\u1eb7c cao h\u01a1n”, Joel Kranc<\/a> vi\u1ebft trong m\u1ed9t b\u00e0i b\u00e1o cho Driving.ca. <\/p>\n\n

Kh\u00f4ng gi\u1ed1ng nh\u01b0 vi\u1ec5n th\u00f4ng truy\u1ec1n th\u1ed1ng, v\u00f9ng ph\u1ee7 s\u00f3ng PAYG t\u1eadp trung v\u00e0o s\u1ed1 l\u01b0\u1ee3ng m\u1ed9t chi\u1ebfc xe \u0111\u01b0\u1ee3c l\u00e1i, thay v\u00ec c\u00e1ch ng\u01b0\u1eddi l\u00e1i xe x\u1eed l\u00fd chi\u1ebfc xe \u0111\u00f3.\nCho d\u00f9 \u0111\u01b0\u1ee3c t\u00ednh theo d\u1eb7m hay theo gi\u1edd, b\u1ea3o hi\u1ec3m PAYG “c\u00f3 ngh\u0129a l\u00e0 b\u1ea1n s\u1ebd \u0111\u01b0\u1ee3c t\u00ednh ph\u00ed c\u1ee5 th\u1ec3 d\u1ef1a tr\u00ean qu\u00e3ng \u0111\u01b0\u1eddng ho\u1eb7c th\u1eddi gian b\u1ea1n l\u00e1i xe”, thay v\u00ec d\u1ef1a tr\u00ean h\u00e0nh vi l\u00e1i xe, c\u1ed9ng t\u00e1c vi\u00ean Tim Heming<\/a> c\u1ee7a Forbes vi\u1ebft. <\/p>\n\n

B\u1eb1ng c\u00e1ch theo d\u00f5i \u00edt bi\u1ebfn s\u1ed1 h\u01a1n, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cung c\u1ea5p m\u1ed9t m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m minh b\u1ea1ch h\u01a1n cho kh\u00e1ch h\u00e0ng.\nKh\u00e1ch h\u00e0ng c\u0169ng c\u00f3 th\u1ec3 t\u1ef1 tin l\u00e1i xe r\u1eb1ng b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd lu\u00f4n s\u1eb5n s\u00e0ng h\u1ed7 tr\u1ee3 h\u1ecd khi h\u1ecd c\u1ea7n – v\u00e0 h\u1ecd kh\u00f4ng chi ti\u1ec1n cho b\u1ea3o hi\u1ec3m khi h\u1ecd kh\u00f4ng c\u1ea7n ph\u1ea3i l\u00e0m nh\u01b0 v\u1eady. <\/p>\n\n

B\u1ea3o hi\u1ec3m PAYG \u0111\u00e3 \u0111\u01b0\u1ee3c cung c\u1ea5p b\u1edfi m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp \u1edf m\u1ed9t s\u1ed1 \u0111\u1ecba \u0111i\u1ec3m nh\u1ea5t \u0111\u1ecbnh.\nL\u0129nh v\u1ef1c n\u00e0y v\u1eabn m\u1edf cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00e1m ph\u00e1 c\u00e1c m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m PAYG nh\u00fang. <\/p>\n\n

V\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m PAYG \u0111\u01b0\u1ee3c nh\u00fang, kh\u00e1ch h\u00e0ng s\u1ebd mua xe v\u00e0 b\u1ea3o hi\u1ec3m c\u00f9ng nhau.\nXe c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c trang b\u1ecb c\u00e1c c\u00f4ng c\u1ee5 vi\u1ec5n th\u00f4ng c\u1ea7n thi\u1ebft.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 c\u00f3 th\u1ec3 h\u1ee3p t\u00e1c \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o vi\u1ec5n th\u00f4ng c\u1ea7n thi\u1ebft cung c\u1ea5p th\u00f4ng tin m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea7n \u0111\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m hi\u1ec7u qu\u1ea3. <\/p>\n\n

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

Hi\u1ec7n th\u1ef1c h\u00f3a m\u1ed9t th\u1ebf gi\u1edbi Pay-As-You-Go<\/h2>\n\n

B\u1ea3o hi\u1ec3m PAYG cho ph\u00e9p c\u00e1c c\u00f4ng ngh\u1ec7 ph\u1ee7 s\u00f3ng nh\u00fang, vi\u1ec5n th\u00f4ng v\u00e0 nhu c\u1ea7u c\u00e1 nh\u00e2n h\u00f3a c\u1ee7a kh\u00e1ch h\u00e0ng giao nhau theo nh\u1eefng c\u00e1ch c\u00f3 gi\u00e1 tr\u1ecb.\nTuy nhi\u00ean, nh\u1eefng th\u00e1ch th\u1ee9c v\u1eabn c\u00f2n \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

M\u1ed9t c\u00e2u h\u1ecfi ph\u1ed5 bi\u1ebfn gi\u1eefa c\u00e1c kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m l\u00e0 li\u1ec7u b\u1ea3o hi\u1ec3m PAYG c\u00f3 \u0111\u00e1p \u1ee9ng c\u00e1c y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u1ee7a ti\u1ec3u bang c\u1ee7a h\u1ecd hay kh\u00f4ng.\nM\u1ed9t v\u1ea5n \u0111\u1ec1 kh\u00e1c l\u00e0 li\u1ec7u b\u1ea3o hi\u1ec3m PAYG c\u00f3 cung c\u1ea5p b\u1ea3o hi\u1ec3m b\u1ed5 sung hay kh\u00f4ng, ch\u1eb3ng h\u1ea1n nh\u01b0 b\u1ea3o hi\u1ec3m to\u00e0n di\u1ec7n v\u00e0 va ch\u1ea1m. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u1eed nghi\u1ec7m c\u00e1c m\u00f4 h\u00ecnh PAYG th\u01b0\u1eddng l\u1ea5y c\u00e1c y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u v\u1ec1 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u1ee7a ti\u1ec3u bang l\u00e0m h\u01b0\u1edbng d\u1eabn.\nTuy nhi\u00ean, kho\u1ea3ng c\u00e1ch gi\u1eefa c\u00e1c y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u c\u1ee7a c\u00e1c ti\u1ec3u bang v\u00e0 b\u1ea3o hi\u1ec3m m\u00e0 kh\u00e1ch h\u00e0ng mu\u1ed1n c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t kho\u1ea3ng c\u00e1ch l\u1edbn. <\/p>\n\n

“\u0110\u1eebng \u0111\u1eb7t c\u01b0\u1ee3c v\u00e0o vi\u1ec7c nh\u1eadn \u0111\u01b0\u1ee3c va ch\u1ea1m v\u00e0 \u0111\u01b0a tin to\u00e0n di\u1ec7n”, t\u1ed5ng bi\u00ean t\u1eadp AutoInsurance.org Mathew B. Sims<\/a> c\u1ea3nh b\u00e1o \u0111\u1ed9c gi\u1ea3.\nTuy nhi\u00ean, Sims l\u01b0u \u00fd, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c h\u1ecfi nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 ho\u1eb7c \u0111\u1ea1i l\u00fd c\u1ee7a h\u1ecd v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u1edf r\u1ed9ng. <\/p>\n\n

M\u1edf r\u1ed9ng ph\u1ea1m vi ph\u1ee7 s\u00f3ng c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 PAYG.\nB\u1ea3o hi\u1ec3m thanh to\u00e1n theo m\u1ee9c s\u1eed d\u1ee5ng t\u1eadp trung v\u00e0o c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn chi\u1ebfc xe khi n\u00f3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng.\nDo \u0111\u00f3, c\u00e1c ch\u00ednh s\u00e1ch hi\u1ec7n \u0111ang t\u1eadp trung v\u00e0o tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd v\u00e0 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng t\u00edch b\u1eaft ngu\u1ed3n t\u1eeb tai n\u1ea1n \u00f4 t\u00f4 v\u00e0 r\u1ee7i ro giao th\u00f4ng. <\/p>\n\n

M\u1eb7t kh\u00e1c, nhi\u1ec1u khi\u1ebfu n\u1ea1i to\u00e0n di\u1ec7n v\u00e0 va ch\u1ea1m ph\u00e1t sinh khi m\u1ed9t chi\u1ebfc xe kh\u00f4ng \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng.\nV\u00ed d\u1ee5, m\u1ed9t c\u00e1i c\u00e2y c\u00f3 th\u1ec3 r\u01a1i v\u00e0o xe khi n\u00f3 n\u1eb1m tr\u00ean \u0111\u01b0\u1eddng l\u00e1i xe.\nCh\u1ec9 v\u1edbi ph\u1ea1m vi b\u1ea3o hi\u1ec3m PAYG, chi\u1ebfc xe b\u1ecb nghi\u1ec1n n\u00e1t kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m khi kh\u00f4ng s\u1eed d\u1ee5ng.\nV\u00ec h\u1ea7u h\u1ebft c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m c\u1ee7a ch\u1ee7 nh\u00e0 s\u1ebd kh\u00f4ng gi\u1ea3i quy\u1ebft lo\u1ea1i thi\u1ec7t h\u1ea1i n\u00e0y, ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a chi\u1ebfc xe c\u00f3 th\u1ec3 c\u00f3 r\u1ea5t \u00edt quy\u1ec1n truy \u0111\u00f2i. <\/p>\n\n

\u0110\u1ec3 v\u01b0\u1ee3t qua r\u00e0o c\u1ea3n n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u00e1t tri\u1ec3n c\u00e1c ch\u00ednh s\u00e1ch linh ho\u1ea1t bao g\u1ed3m c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn l\u00e1i xe trong khi xe \u0111ang \u0111\u01b0\u1ee3c l\u00e1i v\u00e0 c\u00e1c r\u1ee7i ro li\u00ean quan \u0111\u1ebfn \u0111\u1ed7 xe trong khi xe \u0111ang \u0111\u1ed7.\nKhi b\u1ea3o hi\u1ec3m PAYG ph\u00e1t tri\u1ec3n, s\u1ef1 quan t\u00e2m c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m n\u00e0y c\u0169ng s\u1ebd t\u0103ng l\u00ean. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: adrianhancu\/\u00a9123RF.com, soloway\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m mu\u1ed1n ph\u00e2n ph\u1ed1i kh\u00f4ng \u0111au. Kh\u00e1ch h\u00e0ng mu\u1ed1n c\u00e1 nh\u00e2n h\u00f3a. C\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u1ec1u mu\u1ed1n b\u1ea3o hi\u1ec3m gi\u1ea3i quy\u1ebft c\u00e1c r\u1ee7i ro th\u1ef1c t\u1ebf m\u1ed9t c\u00e1ch th\u00edch h\u1ee3p. B\u1ea3o hi\u1ec3m Pay-as-you-go (PAYG) cung c\u1ea5p m\u1ed9t gi\u1ea3i ph\u00e1p mang c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 […]<\/p>\n","protected":false},"featured_media":11424,"template":"","insight-category":[],"class_list":["post-18760","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/18760","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\/11424"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=18760"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=18760"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}