{"id":18811,"date":"2024-09-19T20:55:46","date_gmt":"2024-09-20T01:55:46","guid":{"rendered":"https:\/\/bolttech.io\/insight\/tuong-lai-cua-bao-hiem-nhung-va-bat-dong-san\/"},"modified":"2024-09-19T20:55:49","modified_gmt":"2024-09-20T01:55:49","slug":"tuong-lai-cua-bao-hiem-nhung-va-bat-dong-san","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/tuong-lai-cua-bao-hiem-nhung-va-bat-dong-san\/","title":{"rendered":"T\u01b0\u01a1ng lai c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n"},"content":{"rendered":"\n

B\u1ea3o hi\u1ec3m nh\u00fang g\u00f3i b\u1ea3o hi\u1ec3m v\u1edbi vi\u1ec7c mua s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 c\u1ee7a b\u00ean th\u1ee9 ba.\nM\u1ed9t l\u1ea7n, phi\u00ean b\u1ea3n ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang l\u00e0 b\u1ea3o hi\u1ec3m du l\u1ecbch bao g\u1ed3m vi\u1ec7c mua v\u00e9. <\/p>\n\n

“Nh\u01b0 m\u1ed9t kh\u00e1i ni\u1ec7m [embedded insurance] kh\u00f4ng ph\u1ea3i l\u00e0 m\u1edbi \u0111\u1ed1i v\u1edbi ng\u00e0nh b\u1ea3o hi\u1ec3m”, Robin Merttens<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 \u0111\u1ed1i t\u00e1c t\u1ea1i InsTech London vi\u1ebft.\n\u0110i\u1ec1u m\u1edbi l\u00e0 kh\u1ea3 n\u0103ng nh\u00fang nhi\u1ec1u lo\u1ea1i b\u1ea3o hi\u1ec3m h\u01a1n v\u00e0o ph\u1ea1m vi mua h\u00e0ng r\u1ed9ng h\u01a1n, \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nh\u1edd s\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u t\u1ed1t h\u01a1n. <\/p>\n\n

Hi\u1ec7n nay ph\u1ea1m vi b\u1ea3o hi\u1ec3m b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u00fang \u0111ang \u0111\u1ee9ng \u1edf \u0111\u00e2u<\/h2>\n\n

B\u1ea3o hi\u1ec3m b\u1ea5t \u0111\u1ed9ng s\u1ea3n l\u00e0 m\u1ed9t bi\u00ean gi\u1edbi m\u1edbi \u0111\u1ea7y h\u1ee9a h\u1eb9n cho b\u1ea3o hi\u1ec3m nh\u00fang.\nNh\u1eefng b\u01b0\u1edbc \u0111\u1ed9t ph\u00e1 ban \u0111\u1ea7u v\u00e0o l\u0129nh v\u1ef1c n\u00e0y bao g\u1ed3m b\u1ea3o hi\u1ec3m ng\u01b0\u1eddi thu\u00ea nh\u00e0 v\u00e0 b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 – c\u00e1c ch\u00ednh s\u00e1ch bao g\u1ed3m m\u1ed9t c\u1ea5u tr\u00fac c\u1ee5 th\u1ec3, n\u1ed9i dung c\u1ee7a n\u00f3 ho\u1eb7c c\u1ea3 hai.\nC\u00e1c ch\u00ednh s\u00e1ch nh\u01b0 v\u1eady c\u0169ng c\u00f3 th\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p nh\u1ea5t \u0111\u1ecbnh. <\/p>\n\n

B\u1ea3o hi\u1ec3m b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u00fang cho c\u00e1c m\u1ed1i \u0111e d\u1ecda c\u1ee5 th\u1ec3, nh\u01b0 l\u0169 l\u1ee5t v\u00e0 \u0111\u1ed9ng \u0111\u1ea5t, v\u1eabn \u0111ang \u0111\u01b0\u1ee3c ph\u00e1t tri\u1ec3n.\nTuy nhi\u00ean, \u0111i\u1ec1u n\u00e0y c\u0169ng h\u1ee9a h\u1eb9n s\u1ebd l\u00e0m cho m\u1ed1i quan h\u1ec7 ph\u1ee7 s\u00f3ng d\u1ec5 d\u00e0ng h\u01a1n cho c\u00e1c nh\u00e0 m\u1ea1ng, \u0111\u1ea1i l\u00fd v\u00e0 kh\u00e1ch h\u00e0ng. <\/p>\n\n

Nh\u1edd s\u1ef1 gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1, b\u1ea3o hi\u1ec3m nh\u00fang \u0111\u00e3 c\u1ea5t c\u00e1nh.\nTuy nhi\u00ean, n\u00f3 v\u1eabn c\u00f2n m\u1ed9t ch\u1eb7ng \u0111\u01b0\u1eddng d\u00e0i \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c ti\u1ec1m n\u0103ng \u0111\u1ea7y \u0111\u1ee7 c\u1ee7a n\u00f3.\nS\u1ef1 t\u0103ng tr\u01b0\u1edfng c\u1ee7a n\u00f3 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi c\u00e1c c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 t\u01b0\u01a1ng t\u1ef1 \u0111\u00e3 th\u00fac \u0111\u1ea9y s\u1ef1 ph\u00e1t tri\u1ec3n s\u1edbm c\u1ee7a n\u00f3.\n“Vi\u1ec7c s\u1eed d\u1ee5ng API v\u00e0 ph\u1ea7n m\u1ec1m t\u1ef1 \u0111\u1ed9ng h\u00f3a ng\u00e0y c\u00e0ng t\u0103ng, k\u1ebft h\u1ee3p v\u1edbi s\u1ef1 s\u1eb5n c\u00f3 c\u1ee7a d\u1eef li\u1ec7u ng\u01b0\u1eddi ti\u00eau d\u00f9ng m\u1edf, cho th\u1ea5y c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m nh\u00fang s\u1ebd tr\u1edf n\u00ean b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi ng\u00e0nh b\u1ea3o hi\u1ec3m”, Aniqah Majid<\/a> t\u1ea1i Fintech Finance vi\u1ebft. <\/p>\n\n

\"Khái<\/figure>\n\n

C\u00e1c l\u1ef1a ch\u1ecdn \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng<\/h2>\n\n

Trong khi b\u1ea3o hi\u1ec3m nh\u00fang \u0111\u01b0\u1ee3c k\u1ebft h\u1ee3p trong m\u1ed9t s\u1ed1 l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong, c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n hi\u1ec7u qu\u1ea3 \u0111\u1ec3 nh\u00fang c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c v\u1eabn \u0111ang \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh.\n\u0110\u1ec3 c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c nh\u00fang th\u00e0nh c\u00f4ng, “ch\u00fang c\u1ea7n ph\u1ea3i \u0111\u01a1n gi\u1ea3n, minh b\u1ea1ch, d\u1ec5 hi\u1ec3u v\u00e0 c\u00f3 quy tr\u00ecnh y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng th\u1eb3ng th\u1eafn”, Joan Cusc\u00f3<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u to\u00e0n c\u1ea7u v\u1ec1 chuy\u1ec3n \u0111\u1ed5i t\u1ea1i MAPFRE vi\u1ebft. <\/p>\n\n

B\u1ea3o hi\u1ec3m nh\u00fang cho c\u00e1c m\u1ed1i \u0111e d\u1ecda c\u1ee5 th\u1ec3 nh\u01b0 l\u0169 l\u1ee5t, \u0111\u1ed9ng \u0111\u1ea5t v\u00e0 ch\u00e1y r\u1eebng c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i khi k\u1ebft h\u1ee3p v\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng ngh\u1ec7 k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c, ch\u1eb3ng h\u1ea1n nh\u01b0 c\u1ea3m bi\u1ebfn th\u00f4ng minh v\u00e0 m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i.\nNh\u1eefng \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 cung c\u1ea5p c\u1ea3nh b\u00e1o s\u1edbm v\u1ec1 r\u1ee7i ro, c\u1ea3i thi\u1ec7n c\u00e1c n\u1ed7 l\u1ef1c ph\u00f2ng ng\u1eeba v\u00e0 gi\u1ea3m thi\u1ec3u, \u0111\u1ed3ng th\u1eddi \u0111\u00e1nh gi\u00e1 thi\u1ec7t h\u1ea1i nhanh ch\u00f3ng cho m\u1ee5c \u0111\u00edch khi\u1ebfu n\u1ea1i. <\/p>\n\n

T\u1eadn d\u1ee5ng d\u1eef li\u1ec7u v\u00e0 quan h\u1ec7 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i c\u0169ng s\u1ebd \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a ph\u1ea1m vi b\u1ea3o hi\u1ec3m nh\u00fang.\nM\u1ed9t m\u00f4 h\u00ecnh kinh doanh d\u1ef1a tr\u00ean c\u00e1c k\u1ebft n\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 d\u1eef li\u1ec7u m\u1edf “cho ph\u00e9p \u0111a d\u1ea1ng h\u00f3a c\u00e1c k\u00eanh ph\u00e2n ph\u1ed1i th\u00f4ng qua h\u1ee3p t\u00e1c v\u00e0 c\u00e1c m\u00f4 h\u00ecnh kinh doanh linh ho\u1ea1t, nh\u01b0 b\u1ea3o hi\u1ec3m nh\u00fang”, Amit Tiwari<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i Xceedance, \u1ea4n \u0110\u1ed9 v\u00e0 Ba Lan vi\u1ebft. <\/p>\n\n

Khi c\u00e1c k\u1ebft n\u1ed1i n\u00e0y ph\u00e1t tri\u1ec3n gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd v\u00e0 \u0111\u1ed1i t\u00e1c h\u1ec7 sinh th\u00e1i b\u00ean th\u1ee9 ba, kh\u1ea3 n\u0103ng \u0111\u01b0a ra d\u1ef1 \u0111o\u00e1n t\u1ed1t h\u01a1n d\u1ef1a tr\u00ean c\u00e1c b\u1ed9 d\u1eef li\u1ec7u l\u1edbn h\u01a1n v\u00e0 phong ph\u00fa h\u01a1n c\u0169ng s\u1ebd ph\u00e1t tri\u1ec3n.\nD\u1eef li\u1ec7u v\u00e0 ph\u00e2n t\u00edch ch\u1ea5t l\u01b0\u1ee3ng cao h\u01a1n, l\u1ea7n l\u01b0\u1ee3t, \u0111\u01a1n gi\u1ea3n h\u00f3a c\u00e1c c\u00e2u h\u1ecfi ph\u1ee9c t\u1ea1p tr\u01b0\u1edbc \u0111\u00e2y v\u1ec1 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh v\u00e0 ph\u00e2n ph\u1ed1i, gi\u00fap d\u1ec5 d\u00e0ng nh\u00fang b\u1ea3o hi\u1ec3m cho b\u1ea5t \u0111\u1ed9ng s\u1ea3n v\u00e0 c\u00e1c r\u1ee7i ro li\u00ean quan. <\/p>\n\n

Kh\u00f4ng gi\u1ed1ng nh\u01b0 nhi\u1ec1u giao d\u1ecbch mua c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng, vi\u1ec7c mua ho\u1eb7c thu\u00ea b\u1ea5t \u0111\u1ed9ng s\u1ea3n th\u01b0\u1eddng \u0111\u01b0\u1ee3c xem l\u00e0 t\u1ed1n th\u1eddi gian v\u00e0 ph\u1ee9c t\u1ea1p.\nTuy nhi\u00ean, b\u1ea3o hi\u1ec3m cho b\u1ea5t \u0111\u1ed9ng s\u1ea3n kh\u00f4ng nh\u1ea5t thi\u1ebft ph\u1ea3i nh\u01b0 v\u1eady.\nC\u00e1c t\u00f9y ch\u1ecdn b\u1ea3o hi\u1ec3m nh\u00fang gi\u00fap c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 v\u00e0 \u0111\u1ea1i l\u00fd d\u1ec5 d\u00e0ng k\u1ebft n\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0o \u0111\u00fang th\u1eddi \u0111i\u1ec3m kh\u00e1ch h\u00e0ng c\u1ea7n b\u1ea3o hi\u1ec3m.\nTh\u1ef1c hi\u1ec7n t\u1ed1t, b\u1ea3o hi\u1ec3m b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u00fang c\u00f3 th\u1ec3 l\u00e0m cho m\u1ed9t qu\u00e1 tr\u00ecnh ph\u1ee9c t\u1ea1p kh\u00e1c – mua b\u1ea5t \u0111\u1ed9ng s\u1ea3n – \u0111\u01a1n gi\u1ea3n h\u01a1n. <\/p>\n\n

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

B\u1ea3o hi\u1ec3m nh\u00fang g\u00f3i b\u1ea3o hi\u1ec3m v\u1edbi vi\u1ec7c mua s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 c\u1ee7a b\u00ean th\u1ee9 ba. M\u1ed9t l\u1ea7n, phi\u00ean b\u1ea3n ph\u1ed5 bi\u1ebfn nh\u1ea5t c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang l\u00e0 b\u1ea3o hi\u1ec3m du l\u1ecbch bao g\u1ed3m vi\u1ec7c mua v\u00e9. “Nh\u01b0 m\u1ed9t kh\u00e1i ni\u1ec7m [embedded insurance] kh\u00f4ng ph\u1ea3i l\u00e0 m\u1edbi \u0111\u1ed1i v\u1edbi ng\u00e0nh b\u1ea3o hi\u1ec3m”, Robin […]<\/p>\n","protected":false},"featured_media":11215,"template":"","insight-category":[],"class_list":["post-18811","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/18811","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\/11215"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=18811"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=18811"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}