{"id":19125,"date":"2024-09-20T08:46:27","date_gmt":"2024-09-20T13:46:27","guid":{"rendered":"https:\/\/bolttech.io\/insight\/2-thay-doi-quan-trong-xay-ra-trong-phan-phoi-bao-hiem\/"},"modified":"2024-09-20T08:46:32","modified_gmt":"2024-09-20T13:46:32","slug":"2-thay-doi-quan-trong-xay-ra-trong-phan-phoi-bao-hiem","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/2-thay-doi-quan-trong-xay-ra-trong-phan-phoi-bao-hiem\/","title":{"rendered":"2 thay \u0111\u1ed5i quan tr\u1ecdng x\u1ea3y ra trong ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m"},"content":{"rendered":"\n

b\u1edfi Jim Dwane<\/strong> Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh, bolt<\/strong><\/p>\n\n

Ch\u00fang ta c\u00e0ng ti\u1ebfn xa v\u00e0o th\u1ebf k\u1ef7 21, vai tr\u00f2 c\u1ee7a c\u00f4ng ngh\u1ec7 trong ng\u00e0nh b\u1ea3o hi\u1ec3m c\u00e0ng l\u1edbn.<\/p>\n\n

\u0110\u1ea7u t\u01b0 v\u00e0o insurtech \u0111\u00e3 t\u0103ng t\u1eeb 0,3 t\u1ef7 \u0111\u00f4 la n\u0103m 2003 l\u00ean 5,8 t\u1ef7 \u0111\u00f4 la \u0111\u00e1ng kinh ng\u1ea1c v\u00e0o n\u0103m 2019, Michael Krause<\/a>, nh\u00e0 t\u01b0 v\u1ea5n t\u1ea1i McKinsey &; Company vi\u1ebft.\nTh\u1ed1ng k\u00ea n\u00e0y minh h\u1ecda ho\u00e0n h\u1ea3o s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m v\u00e0 cho th\u1ea5y n\u00f3 \u0111\u00e3 \u0111i \u0111\u01b0\u1ee3c bao xa trong m\u1ed9t kho\u1ea3ng th\u1eddi gian t\u01b0\u01a1ng \u0111\u1ed1i ng\u1eafn. <\/p>\n\n

Ng\u00e0y c\u00e0ng c\u00f3 nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng \u0111ang n\u1eafm l\u1ea5y c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1, v\u00e0 \u0111\u00e3 c\u00f3 m\u1ed9t s\u1ef1 ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng trong c\u00e1ch mua v\u00e0 b\u00e1n b\u1ea3o hi\u1ec3m.\nN\u00f3 c\u0169ng t\u1ea1o ra s\u1ef1 d\u00e2n ch\u1ee7 h\u00f3a s\u1ef1 l\u1ef1a ch\u1ecdn v\u00e0 n\u00e2ng cao k\u1ef3 v\u1ecdng c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng theo hai c\u00e1ch ch\u00ednh. <\/p>\n\n

C\u00e1c nh\u00e0 m\u1ea1ng hi\u1ec7n cung c\u1ea5p s\u1ef1 l\u1ef1a ch\u1ecdn th\u1ef1c s\u1ef1<\/h2>\n\n

Trong m\u1ed9t th\u1eddi gian d\u00e0i, b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t ng\u00e0nh kh\u00e1 song ph\u01b0\u01a1ng, h\u1eb9p t\u1eeb quan \u0111i\u1ec3m ph\u00e2n ph\u1ed1i.\nKh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m ch\u1ee7 y\u1ebfu mua s\u1ea3n ph\u1ea9m th\u00f4ng qua c\u00e1c \u0111\u1ea1i l\u00fd. <\/p>\n\n

\u0110i\u1ec1u n\u00e0y c\u00f3 ngh\u0129a l\u00e0 kh\u00e1ch h\u00e0ng c\u00f3 \u00edt \u0111\u00f2n b\u1ea9y trong h\u00e0nh tr\u00ecnh mua h\u00e0ng \u0111\u00f3.\nKh\u00e1ch h\u00e0ng s\u1ebd \u0111\u1ebfn m\u1ed9t \u0111\u1ea1i l\u00fd t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m, \u0111\u1ea1i l\u00fd s\u1ebd b\u00e1n cho h\u1ecd m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng s\u1ebd ph\u1ea3i tin t\u01b0\u1edfng r\u1eb1ng h\u1ecd \u0111ang nh\u1eadn \u0111\u01b0\u1ee3c s\u1ea3n ph\u1ea9m t\u1ed1t nh\u1ea5t. <\/p>\n\n

Nh\u01b0ng b\u1eaft \u0111\u1ea7u t\u1eeb n\u0103m 1993<\/a>, Progressive \u0111\u00e3 thay \u0111\u1ed5i cu\u1ed9c ch\u01a1i m\u00e3i m\u00e3i khi h\u1ecd b\u1eaft \u0111\u1ea7u \u0111\u01b0a ra t\u1ef7 l\u1ec7 so s\u00e1nh.\n\u0110i\u1ec1u n\u00e0y \u0111\u00e3 \u0111\u01b0\u1ee3c ph\u1ed5 bi\u1ebfn r\u1ed9ng r\u00e3i trong c\u00e1c kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m.\nTr\u00ean th\u1ef1c t\u1ebf, Progressive v\u00e0 GEICO, hai trong s\u1ed1 c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u t\u1eadp trung v\u00e0o mua s\u1eafm so s\u00e1nh, chi\u1ebfm chung 92% t\u0103ng tr\u01b0\u1edfng ph\u00ed b\u1ea3o hi\u1ec3m t\u1eeb th\u00e1ng 4\/2019 \u0111\u1ebfn th\u00e1ng 4\/2020, theo J.D. Power.<\/a> <\/p>\n\n

Thay v\u00ec ph\u1ea3i nghe m\u1ed9t \u0111\u1ea1i l\u00fd n\u00f3i r\u1eb1ng h\u1ecd \u0111ang nh\u1eadn \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ed1t nh\u1ea5t, gi\u1edd \u0111\u00e2y kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 so s\u00e1nh nhi\u1ec1u ch\u00ednh s\u00e1ch song song v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p kh\u00e1c nhau v\u00e0 bi\u1ebft ch\u1eafc ch\u1eafn r\u1eb1ng h\u1ecd \u0111ang nh\u1eadn \u0111\u01b0\u1ee3c r\u1ea5t nhi\u1ec1u \u01b0u \u0111\u00e3i.\nM\u00f4 h\u00ecnh n\u00e0y c\u0169ng cho ph\u00e9p h\u1ecd nh\u00ecn th\u1ea5y nh\u1eefng s\u1eafc th\u00e1i tinh t\u1ebf gi\u1eefa c\u00e1c ch\u00ednh s\u00e1ch v\u00e0 t\u0103ng m\u1ee9c \u0111\u1ed9 hi\u1ec3u bi\u1ebft t\u1ed5ng th\u1ec3 v\u1ec1 nh\u1eefng g\u00ec h\u1ecd \u0111ang mua. <\/p>\n\n

V\u00e0 \u0111\u00f3 l\u00e0 m\u1ed9t h\u00ecnh th\u1ee9c d\u00e2n ch\u1ee7 h\u00f3a b\u1ea3o hi\u1ec3m – c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i \u0111\u01b0a ra l\u1ef1a ch\u1ecdn.<\/p>\n\n

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

S\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a b\u1ea3o hi\u1ec3m \u0111i\u1ec3m b\u00e1n h\u00e0ng<\/h2>\n\n

Thay \u0111\u1ed5i l\u1edbn kh\u00e1c g\u00f3p ph\u1ea7n r\u1ea5t l\u1edbn v\u00e0o vi\u1ec7c d\u00e2n ch\u1ee7 h\u00f3a b\u1ea3o hi\u1ec3m l\u00e0 s\u1ef1 gi\u00e1n \u0111o\u1ea1n c\u00f4ng ngh\u1ec7.\nC\u00e1c nh\u00e0 \u0111\u1ed5i m\u1edbi b\u00ean ngo\u00e0i th\u1ebf gi\u1edbi b\u1ea3o hi\u1ec3m \u0111\u00e3 b\u1eaft \u0111\u1ea7u b\u00e1n b\u1ea3o hi\u1ec3m P &C, v\u1edbi th\u00e0nh c\u00f4ng th\u1ef1c s\u1ef1. <\/p>\n\n

Cho \u0111\u1ebfn g\u1ea7n \u0111\u00e2y, b\u1ea3o hi\u1ec3m \u0111i\u1ec3m b\u00e1n h\u00e0ng \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n theo ki\u1ec3u th\u1ebf h\u1ec7 kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng.\nV\u00ed d\u1ee5, n\u1ebfu kh\u00e1ch h\u00e0ng mua xe, h\u1ecd c\u00f3 th\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c b\u00e1o gi\u00e1 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 ngay t\u1ea1i ch\u1ed7.\n\u0110i\u1ec1u \u0111\u00f3 c\u0169ng c\u00f3 \u00fd ngh\u0129a. <\/p>\n\n

Nh\u01b0ng b\u00e2y gi\u1edd ch\u00fang ta \u0111ang \u1edf m\u1ed9t \u0111i\u1ec3m m\u00e0 n\u00f3 kh\u00f4ng c\u00f2n ch\u1ec9 l\u00e0 t\u1ec9nh c\u1ee7a h\u00e3ng b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m.\nGi\u1edd \u0111\u00e2y, c\u00e1c c\u00f4ng ty phi b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 th\u00eam c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m v\u00e0o c\u00e1c d\u1ecbch v\u1ee5 s\u1ea3n ph\u1ea9m hi\u1ec7n c\u00f3 c\u1ee7a h\u1ecd.\n\u0110\u01b0\u1ee3c g\u1ecdi l\u00e0 b\u1ea3o hi\u1ec3m nh\u00fang, \u0111i\u1ec1u n\u00e0y li\u00ean quan \u0111\u1ebfn vi\u1ec7c “tr\u1eebu t\u01b0\u1ee3ng h\u00f3a ch\u1ee9c n\u0103ng b\u1ea3o hi\u1ec3m v\u00e0o c\u00f4ng ngh\u1ec7 \u0111\u1ec3 cho ph\u00e9p b\u1ea5t k\u1ef3 nh\u00e0 cung c\u1ea5p ho\u1eb7c nh\u00e0 ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 b\u00ean th\u1ee9 ba n\u00e0o trong b\u1ea5t k\u1ef3 l\u0129nh v\u1ef1c n\u00e0o t\u00edch h\u1ee3p li\u1ec1n m\u1ea1ch c\u00e1c gi\u1ea3i ph\u00e1p b\u1ea3o hi\u1ec3m s\u00e1ng t\u1ea1o v\u00e0o \u0111\u1ec1 xu\u1ea5t v\u00e0 tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd”, chuy\u00ean gia chuy\u1ec3n \u0111\u1ed5i m\u00f4 h\u00ecnh kinh doanh Simon Torrance<\/a> gi\u1ea3i th\u00edch. <\/p>\n\n

M\u1ed9t v\u00ed d\u1ee5 \u0111i\u1ec3n h\u00ecnh: C\u00f4ng ty t\u00e0i ch\u00ednh NerdWallet cung c\u1ea5p l\u1eddi khuy\u00ean h\u1eefu \u00edch v\u1ec1 vi\u1ec7c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m v\u00e0 h\u01b0\u1edbng ng\u01b0\u1eddi ti\u00eau d\u00f9ng \u0111\u1ebfn c\u00e1c ch\u00ednh s\u00e1ch ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u ri\u00eang c\u1ee7a h\u1ecd.\n\u0110\u1ed1i v\u1edbi NerdWallet, \u01b0u \u0111\u00e3i n\u00e0y l\u00e0m t\u0103ng gi\u00e1 tr\u1ecb cho h\u00e0nh tr\u00ecnh c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

\u0110i\u1ec3m m\u1ea5u ch\u1ed1t l\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 c\u00f3 c\u01a1 h\u1ed9i b\u00e1n b\u1ea3o hi\u1ec3m m\u00e0 c\u00f2n tr\u1edf th\u00e0nh \u0111i\u1ec3m \u0111\u1ebfn cho tr\u1ea3i nghi\u1ec7m mua s\u1ea3n ph\u1ea9m c\u1ee7a h\u1ecd.\nV\u00e0 cho r\u1eb1ng c\u00e1c chuy\u00ean gia nh\u01b0 Torrance d\u1ef1 \u00e1n b\u1ea3o hi\u1ec3m nh\u00fang \u0111\u1ec3 c\u00f3 c\u01a1 h\u1ed9i th\u1ecb tr\u01b0\u1eddng tr\u1ecb gi\u00e1 3 ngh\u00ecn t\u1ef7 \u0111\u00f4 la, th\u1eadt d\u1ec5 hi\u1ec3u t\u1ea1i sao r\u1ea5t nhi\u1ec1u c\u00f4ng ty mong mu\u1ed1n tham gia. <\/p>\n\n

Th\u00edch \u1ee9ng v\u1edbi h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m m\u1edbi<\/h2>\n\n

\u0110\u00e3 c\u00f3 m\u1ed9t \u0111\u1ed9ng th\u00e1i r\u00f5 r\u00e0ng h\u01b0\u1edbng t\u1edbi d\u00e2n ch\u1ee7 h\u00f3a trong b\u1ea3o hi\u1ec3m trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, m\u1ed9t c\u00e1i g\u00ec \u0111\u00f3 ph\u1ea7n l\u1edbn \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn.\n\u0110i\u1ec1u n\u00e0y \u0111\u00e3 t\u1ea1o ra m\u1ed9t h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m m\u1edbi v\u00e0 \u0111\u00f3 l\u00e0 \u0111i\u1ec1u m\u00e0 b\u1ea5t k\u1ef3 ai tham gia v\u00e0o ng\u00e0nh c\u1ea7n ph\u1ea3i th\u00edch nghi. <\/p>\n\n

Martin Spit<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i EY-Parthenon, th\u1eadm ch\u00ed c\u00f2n l\u01b0u \u00fd r\u1eb1ng ba trong s\u1ed1 b\u1ed1n gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh b\u1ea3o hi\u1ec3m xem h\u1ec7 sinh th\u00e1i m\u1edbi n\u00e0y l\u00e0 r\u1ea5t quan tr\u1ecdng \u0111\u1ec3 t\u1ea1o ra l\u1ee3i th\u1ebf c\u1ea1nh tranh.\nC\u1ee5 th\u1ec3 h\u01a1n, c\u00e1c nh\u00e0 m\u1ea1ng n\u00ean t\u00ecm c\u00e1ch \u0111a d\u1ea1ng h\u00f3a n\u01a1i s\u1ea3n ph\u1ea9m c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c cung c\u1ea5p. <\/p>\n\n

V\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m, c\u0169ng nh\u01b0 c\u00e1c doanh nghi\u1ec7p k\u1ef9 thu\u1eadt s\u1ed1 phi b\u1ea3o hi\u1ec3m \u0111ang tham gia v\u00e0o kh\u00f4ng gian n\u00e0y, n\u00ean t\u1eadp trung v\u00e0o vi\u1ec7c t\u1ea1o ra m\u1ed9t \u0111i\u1ec3m \u0111\u1ebfn, thay v\u00ec ch\u1ec9 l\u00e0 m\u1ed9t s\u1ea3n ph\u1ea9m.\n\u0110i\u1ec3m \u0111\u1ebfn n\u00e0y ph\u1ea3i m\u1ea1nh m\u1ebd, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a cao v\u00e0 c\u00f3 nhi\u1ec1u gi\u00e1 tr\u1ecb cho kh\u00e1ch h\u00e0ng. <\/p>\n\n

H\u01a1n n\u1eefa, c\u00e1c c\u00f4ng ty n\u00e0y ph\u1ea3i li\u00ean t\u1ee5c t\u00ecm ki\u1ebfm nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 l\u00e0m s\u00e2u s\u1eafc th\u00eam m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng v\u00e0 t\u0103ng c\u01b0\u1eddng l\u00f2ng trung th\u00e0nh \u0111\u1ec3 t\u0103ng gi\u00e1 tr\u1ecb tr\u1ecdn \u0111\u1eddi c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n\n

H\u00e3y l\u00e0m t\u1ed1t \u0111i\u1ec1u \u0111\u00f3, v\u00e0 ch\u00fang s\u1ebd \u1edf trong t\u00ecnh tr\u1ea1ng tuy\u1ec7t v\u1eddi khi ch\u00fang ta ti\u1ebfn xa h\u01a1n v\u00e0o th\u1ebf k\u1ef7 21.<\/p>\n\n

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

b\u1edfi Jim Dwane Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh, bolt Ch\u00fang ta c\u00e0ng ti\u1ebfn xa v\u00e0o th\u1ebf k\u1ef7 21, vai tr\u00f2 c\u1ee7a c\u00f4ng ngh\u1ec7 trong ng\u00e0nh b\u1ea3o hi\u1ec3m c\u00e0ng l\u1edbn. \u0110\u1ea7u t\u01b0 v\u00e0o insurtech \u0111\u00e3 t\u0103ng t\u1eeb 0,3 t\u1ef7 \u0111\u00f4 la n\u0103m 2003 l\u00ean 5,8 t\u1ef7 \u0111\u00f4 la \u0111\u00e1ng kinh ng\u1ea1c v\u00e0o n\u0103m 2019, Michael Krause, nh\u00e0 […]<\/p>\n","protected":false},"featured_media":9910,"template":"","insight-category":[],"class_list":["post-19125","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19125","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\/9910"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19125"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19125"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}