{"id":19328,"date":"2024-09-20T09:17:55","date_gmt":"2024-09-20T14:17:55","guid":{"rendered":"https:\/\/bolttech.io\/insight\/lam-the-nao-de-tiep-thi-thanh-cong-cac-chinh-sach-bao-hiem-tham-so\/"},"modified":"2024-09-20T09:17:56","modified_gmt":"2024-09-20T14:17:56","slug":"lam-the-nao-de-tiep-thi-thanh-cong-cac-chinh-sach-bao-hiem-tham-so","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-the-nao-de-tiep-thi-thanh-cong-cac-chinh-sach-bao-hiem-tham-so\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 ti\u1ebfp th\u1ecb th\u00e0nh c\u00f4ng c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m tham s\u1ed1"},"content":{"rendered":"\n

\u0110\u1ea1i d\u1ecbch COVID-19 b\u1ed9c l\u1ed9 m\u1ed9t s\u1ed1 b\u1ea5t c\u1eadp trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng.\nV\u00ed d\u1ee5, nhi\u1ec1u ch\u1ee7 doanh nghi\u1ec7p ch\u1ec9 ph\u00e1t hi\u1ec7n ra sau khi \u0111\u1ea1i d\u1ecbch \u0111\u00f3ng c\u1eeda doanh nghi\u1ec7p c\u1ee7a h\u1ecd r\u1eb1ng b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh truy\u1ec1n th\u1ed1ng kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng g\u00ec \u0111\u00e3 x\u1ea3y ra v\u1edbi h\u1ecd. <\/p>\n\n

Nh\u1eadp b\u1ea3o hi\u1ec3m tham s\u1ed1.\nB\u1eb1ng c\u00e1ch t\u1eadp trung v\u00e0o d\u1eef li\u1ec7u xung quanh c\u00e1c s\u1ef1 ki\u1ec7n ch\u00ednh, c\u00e1c ch\u00ednh s\u00e1ch n\u00e0y h\u1ee3p l\u00fd h\u00f3a c\u1ea3 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh b\u1ea3o hi\u1ec3m v\u00e0 \u0111i\u1ec1u ch\u1ec9nh y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.\nCh\u00fang \u0111\u1ee7 linh ho\u1ea1t \u0111\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m cho m\u1ed9t lo\u1ea1t c\u00e1c t\u1ed5n th\u1ea5t v\u00e0 ch\u00fang cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadn d\u1ee5ng m\u1ed1i quan h\u1ec7 v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o ph\u00e2n t\u00edch d\u1eef li\u1ec7u. <\/p>\n\n

Ch\u00ednh s\u00e1ch tham s\u1ed1 l\u00e0 kh\u00e1i ni\u1ec7m m\u1edbi \u0111\u1ed1i v\u1edbi nhi\u1ec1u kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m.\nCung c\u1ea5p gi\u00e1o d\u1ee5c v\u1ec1 l\u1ee3i \u00edch c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 c\u1ee7ng c\u1ed1 m\u1ed1i quan h\u1ec7 v\u00e0 khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng mua v\u00e0o. <\/p>\n\n

C\u00e1ch ho\u1ea1t \u0111\u1ed9ng c\u1ee7a ch\u00ednh s\u00e1ch tham s\u1ed1<\/h2>\n\n

C\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng thanh to\u00e1n c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng d\u1ef1a tr\u00ean t\u1ed5n th\u1ea5t th\u1ef1c t\u1ebf m\u00e0 kh\u00e1ch h\u00e0ng ph\u1ea3i ch\u1ecbu.\nV\u00ed d\u1ee5, m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 truy\u1ec1n th\u1ed1ng c\u00f3 th\u1ec3 tr\u1ea3 chi ph\u00ed s\u1eeda ch\u1eefa n\u1ebfu m\u1ed9t tr\u1eadn \u0111\u1ed9ng \u0111\u1ea5t l\u00e0m h\u1ecfng m\u1ed9t c\u1ea5u tr\u00fac \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. <\/p>\n\n

B\u1ea3o hi\u1ec3m tham s\u1ed1 kh\u00f4ng t\u1eadp trung v\u00e0o t\u1ed5n th\u1ea5t th\u1ef1c t\u1ebf.\nThay v\u00e0o \u0111\u00f3, m\u1ed9t ch\u00ednh s\u00e1ch tham s\u1ed1 bao g\u1ed3m x\u00e1c su\u1ea5t c\u1ee7a m\u1ed9t s\u1ef1 ki\u1ec7n nh\u1ea5t \u0111\u1ecbnh x\u1ea3y ra, nh\u01b0 m\u1ed9t tr\u1eadn \u0111\u1ed9ng \u0111\u1ea5t.\nCh\u00ednh s\u00e1ch thanh to\u00e1n m\u1ed9t s\u1ed1 ti\u1ec1n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh tr\u01b0\u1edbc, \u0111\u01b0\u1ee3c n\u00eau trong ch\u00ednh ch\u00ednh s\u00e1ch, n\u1ebfu m\u1ed9t s\u1ef1 ki\u1ec7n nh\u1ea5t \u0111\u1ecbnh x\u1ea3y ra v\u00e0 \u0111\u01b0\u1ee3c x\u00e1c minh b\u1edfi b\u00ean th\u1ee9 ba. <\/p>\n\n

M\u1ed9t trong nh\u1eefng l\u1ee3i \u00edch ch\u00ednh c\u1ee7a c\u00e1c ch\u00ednh s\u00e1ch tham s\u1ed1 l\u00e0 kh\u1ea3 n\u0103ng gi\u1ea3m \u0111\u1ed9 ph\u1ee9c t\u1ea1p, cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m thanh to\u00e1n cho c\u00e1c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng nhanh h\u01a1n, Daniel Brettler v\u00e0 Timothy Gosnear<\/a> c\u1ee7a Conner Strong &; Buckelew vi\u1ebft.\nKh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 y\u00ean t\u00e2m khi bi\u1ebft r\u1eb1ng n\u1ebfu c\u00e1c \u0111i\u1ec1u ki\u1ec7n \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng, h\u1ecd s\u1ebd nh\u1eadn \u0111\u01b0\u1ee3c kho\u1ea3n thanh to\u00e1n \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh tr\u01b0\u1edbc v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 tr\u1ea3 l\u1eddi c\u00e1c khi\u1ebfu n\u1ea1i m\u00e0 kh\u00f4ng ph\u1ea3i ch\u1ecbu th\u00eam r\u1ee7i ro nh\u01b0 g\u1eedi ng\u01b0\u1eddi \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ec3 xem x\u00e9t thi\u1ec7t h\u1ea1i \u1edf n\u01a1i nguy hi\u1ec3m ti\u1ec1m t\u00e0ng, nh\u01b0 khu v\u1ef1c ch\u00e1y r\u1eebng ho\u1eb7c khu v\u1ef1c th\u1ea3m h\u1ecda b\u00e3o. <\/p>\n\n

Th\u1eddi ti\u1ebft l\u00e0 m\u1ed9t s\u1ef1 ki\u1ec7n k\u00edch ho\u1ea1t ph\u1ed5 bi\u1ebfn cho m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m tham s\u1ed1, nh\u01b0ng n\u00f3 kh\u00f4ng ph\u1ea3i l\u00e0 s\u1ef1 ki\u1ec7n duy nh\u1ea5t c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn thanh to\u00e1n, Stuart Turner<\/a> vi\u1ebft trong m\u1ed9t s\u00e1ch tr\u1eafng cho Airmic.<\/p>\n\n

B\u1ea3o hi\u1ec3m tham s\u1ed1 \u0111\u1ee7 linh ho\u1ea1t \u0111\u1ec3 bao g\u1ed3m m\u1ed9t lo\u1ea1t c\u00e1c s\u1ef1 ki\u1ec7n k\u00edch ho\u1ea1t, mi\u1ec5n l\u00e0 nh\u1eefng s\u1ef1 ki\u1ec7n \u0111\u00f3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c x\u00e1c minh b\u1edfi b\u00ean th\u1ee9 ba.\nV\u00ed d\u1ee5, m\u1ed9t ch\u00ednh s\u00e1ch tham s\u1ed1 c\u0169ng c\u00f3 th\u1ec3 d\u1ef1a tr\u00ean tuy\u00ean b\u1ed1 kh\u1ea9n c\u1ea5p c\u1ee7a c\u01a1 quan qu\u1ea3n l\u00fd, l\u1ec7nh gi\u1edbi nghi\u00eam c\u1ea5p th\u00e0nh ph\u1ed1 ho\u1eb7c ti\u1ec3u bang ho\u1eb7c c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c. <\/p>\n\n

“\u01afu \u0111i\u1ec3m l\u1edbn c\u1ee7a b\u1ea3o hi\u1ec3m tham s\u1ed1 l\u00e0 n\u00f3 lo\u1ea1i b\u1ecf r\u1ea5t nhi\u1ec1u s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn kh\u1ecfi qu\u00e1 tr\u00ecnh b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh”, Adam Rimmer<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp FloodFlash, m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o b\u1ea3o hi\u1ec3m l\u0169 l\u1ee5t tham s\u1ed1 cho bi\u1ebft.\nVi\u1ec7c lo\u1ea1i b\u1ecf s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn n\u00e0y mang l\u1ea1i l\u1ee3i \u00edch cho c\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng. <\/p>\n\n

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

C\u01a1 h\u1ed9i t\u0103ng tr\u01b0\u1edfng trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m tham s\u1ed1<\/h2>\n\n

B\u1ea3o hi\u1ec3m tham s\u1ed1 \u0111\u00e3 s\u1eb5n s\u00e0ng \u0111\u1ec3 c\u00f3 s\u1ef1 t\u0103ng tr\u01b0\u1edfng \u0111\u00e1ng k\u1ec3 trong nh\u1eefng n\u0103m t\u1edbi, ch\u1ee7 y\u1ebfu do hai y\u1ebfu t\u1ed1: Vi\u1ec7c m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng ph\u00e2n t\u00edch d\u1eef li\u1ec7u v\u00e0 m\u1ed1i quan t\u00e2m c\u1ee7a kh\u00e1ch h\u00e0ng sau \u0111\u1ea1i d\u1ecbch COVID-19.<\/p>\n\n

Bao qu\u00e1t nh\u1eefng \u0111i\u1ec1u kh\u00f4ng th\u1ec3 kh\u00e1m ph\u00e1 b\u1eb1ng s\u1ee9c m\u1ea1nh c\u1ee7a d\u1eef li\u1ec7u<\/h3>\n\n

B\u1ea3o hi\u1ec3m tham s\u1ed1 cung c\u1ea5p m\u1ed9t c\u00e1ch \u0111\u1ec3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong trang tr\u1ea3i c\u00e1c r\u1ee7i ro m\u00e0 theo truy\u1ec1n th\u1ed1ng \u0111\u01b0\u1ee3c coi l\u00e0 kh\u00f3 kh\u0103n, l\u1ed9n x\u1ed9n ho\u1eb7c kh\u00f4ng th\u1ec3 trang tr\u1ea3i, Matthew Grant<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp Abernite v\u00e0 l\u00e0 \u0111\u1ed1i t\u00e1c c\u1ee7a InsTech London vi\u1ebft.\nM\u1ed9t l\u1ee3i \u00edch c\u1ee7a b\u1ea3o hi\u1ec3m tham s\u1ed1 l\u00e0 n\u00f3 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng kh\u00f4ng ch\u1ec9 trong tr\u01b0\u1eddng h\u1ee3p th\u1ea3m h\u1ecda lan r\u1ed9ng, m\u00e0 c\u00f2n trong tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng c\u1ea7n b\u1ea3o hi\u1ec3m chuy\u00ean bi\u1ec7t cho m\u1ed9t c\u1ea5u tr\u00fac ho\u1eb7c \u0111\u1ecba \u0111i\u1ec3m c\u1ee5 th\u1ec3, nh\u01b0 s\u00e2n v\u1eadn \u0111\u1ed9ng th\u1ec3 thao. <\/p>\n\n

Ph\u1ea1m vi b\u1ea3o hi\u1ec3m n\u00e0y tr\u1edf n\u00ean kh\u1ea3 thi do kh\u1ea3 n\u0103ng thu th\u1eadp v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u ch\u01b0a t\u1eebng c\u00f3 c\u1ee7a ch\u00fang t\u00f4i.<\/p>\n\n

“Truy c\u1eadp v\u00e0o c\u00e1c k\u1ef9 thu\u1eadt m\u00f4 h\u00ecnh h\u00f3a ng\u00e0y c\u00e0ng c\u1ea3i ti\u1ebfn v\u00e0 thu th\u1eadp d\u1eef li\u1ec7u l\u1ecbch s\u1eed t\u1ed5ng th\u1ec3 \u0111\u00e3 cho ph\u00e9p ph\u00e1t tri\u1ec3n c\u00e1c gi\u1ea3i ph\u00e1p tham s\u1ed1”, Alex Kaplan<\/a> v\u00e0 c\u00e1c th\u00e0nh vi\u00ean c\u1ee7a nh\u00f3m R\u1ee7i ro Thay th\u1ebf t\u1ea1i AmWINS vi\u1ebft.<\/p>\n\n

B\u1edfi v\u00ec ph\u00e2n t\u00edch d\u1eef li\u1ec7u hi\u1ec7n c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1i nh\u00ecn c\u1ef1c k\u1ef3 chi ti\u1ebft v\u1ec1 c\u00e1c y\u1ebfu t\u1ed1 li\u00ean quan \u0111\u1ebfn c\u00e1c lo\u1ea1i r\u1ee7i ro c\u1ee5 th\u1ec3, c\u00e1c ch\u00ednh s\u00e1ch tham s\u1ed1 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh hi\u1ec7u qu\u1ea3 h\u01a1n bao gi\u1edd h\u1ebft cho c\u00e1c lo\u1ea1i r\u1ee7i ro nh\u1ea5t \u0111\u1ecbnh.<\/p>\n\n

V\u00ed d\u1ee5, Zurich Re g\u1ea7n \u0111\u00e2y \u0111\u00e3 gi\u1edbi thi\u1ec7u b\u1ea3o hi\u1ec3m tham s\u1ed1 cho thi\u1ec7t h\u1ea1i th\u1eddi ti\u1ebft ho\u1eb7c s\u1ef1 ch\u1eadm tr\u1ec5 \u0111\u1ed1i v\u1edbi c\u00e1c d\u1ef1 \u00e1n x\u00e2y d\u1ef1ng.\nB\u1ea3o hi\u1ec3m n\u00e0y t\u1eadp trung v\u00e0o ba r\u1ee7i ro th\u1eddi ti\u1ebft v\u00e0 kh\u00ed h\u1eadu c\u1ee5 th\u1ec3: t\u1ed5ng l\u01b0\u1ee3ng m\u01b0a h\u00e0ng ng\u00e0y, t\u1ed1c \u0111\u1ed9 gi\u00f3 trung b\u00ecnh h\u00e0ng gi\u1edd v\u00e0 nhi\u1ec7t \u0111\u1ed9 kh\u1eafc nghi\u1ec7t, Patrick McBride<\/a>, qu\u1ea3n l\u00fd t\u00e0i s\u1ea3n x\u00e2y d\u1ef1ng t\u1ea1i Zurich B\u1eafc M\u1ef9 vi\u1ebft.\nD\u1eef li\u1ec7u th\u1eddi ti\u1ebft chi ti\u1ebft c\u00f3 th\u1ec3 d\u1ec5 d\u00e0ng thu th\u1eadp v\u00e0 truy\u1ec1n \u0111i do c\u00e1c c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 c\u1eadp nh\u1eadt, gi\u00fap qu\u00e1 tr\u00ecnh x\u00e1c \u0111\u1ecbnh xem ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00f3 \u00e1p d\u1ee5ng nhanh ch\u00f3ng v\u00e0 \u0111\u01a1n gi\u1ea3n hay kh\u00f4ng. <\/p>\n\n

C\u00e1c c\u00f4ng c\u1ee5 d\u1eef li\u1ec7u c\u00f3 \u0111\u1ed9 ph\u00e2n gi\u1ea3i cao cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 c\u00e1c s\u1ef1 ki\u1ec7n l\u1edbn v\u00e0 \u1ea3nh h\u01b0\u1edfng c\u1ee7a ch\u00fang.\nCh\u00fang c\u0169ng cho ph\u00e9p ph\u1ea1m vi b\u1ea3o hi\u1ec3m tham s\u1ed1 c\u1ee5 th\u1ec3 theo v\u1ecb tr\u00ed v\u00e0 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh t\u1ed1t h\u01a1n \u0111\u1ec3 gi\u1ea3i quy\u1ebft t\u1ea5t c\u1ea3 c\u00e1c lo\u1ea1i t\u1ed5n th\u1ea5t m\u00e0 m\u1ed9t v\u1ecb tr\u00ed c\u00f3 th\u1ec3 ph\u1ea3i ch\u1ecbu. <\/p>\n\n

Nhu c\u1ea7u ph\u00e2n t\u00edch d\u1eef li\u1ec7u t\u1ed1t c\u1ee7a b\u1ea3o hi\u1ec3m tham s\u1ed1 t\u1ea1o c\u01a1 h\u1ed9i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp \u0111\u1ec3 x\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c hi\u1ec7u qu\u1ea3.<\/p>\n\n

“B\u1ea3o hi\u1ec3m tham s\u1ed1 l\u00e0 m\u1ed9t trong nh\u1eefng \u0111\u1ed5i m\u1edbi h\u1ee9a h\u1eb9n nh\u1ea5t c\u1ee7a cu\u1ed9c c\u00e1ch m\u1ea1ng InsurTech v\u00ec n\u00f3 \u0111\u00e1p \u1ee9ng hai l\u1eddi h\u1ee9a ch\u00ednh c\u1ee7a InsurTech: hi\u1ec7u qu\u1ea3 ho\u1ea1t \u0111\u1ed9ng \u0111\u1ea1t \u0111\u01b0\u1ee3c th\u00f4ng qua c\u00f4ng ngh\u1ec7 v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a; v\u00e0 t\u0103ng c\u01a1 h\u1ed9i b\u00e1n b\u1ea3o hi\u1ec3m”, Kate Stillwell<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 CEO t\u1ea1i Jumpstart Insurance vi\u1ebft.<\/p>\n\n

\u0110\u1ec3 th\u00fac \u0111\u1ea9y s\u1ef1 quan t\u00e2m c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m tham s\u1ed1, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n gi\u00e1o d\u1ee5c ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1ec1 c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng c\u1ee7a b\u1ea3o hi\u1ec3m tham s\u1ed1 v\u00e0 c\u00e1ch n\u00f3 mang l\u1ea1i l\u1ee3i \u00edch cho h\u1ecd ho\u1eb7c doanh nghi\u1ec7p c\u1ee7a h\u1ecd.\n\u0110\u1ed1i v\u1edbi t\u1ea5t c\u1ea3 s\u1ef1 h\u1ed7n lo\u1ea1n m\u00e0 n\u00f3 \u0111\u00e3 g\u00e2y ra, \u0111\u1ea1i d\u1ecbch COVID-19 c\u0169ng \u0111\u00e3 t\u1ea1o ra c\u01a1 h\u1ed9i d\u01b0\u1edbi h\u00ecnh th\u1ee9c kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm nh\u1eefng c\u00e1ch th\u1ee9c m\u1edbi \u0111\u1ec3 \u0111\u1ea3m b\u1ea3o doanh nghi\u1ec7p c\u1ee7a h\u1ecd \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 kh\u1ecfi s\u1ef1 gi\u00e1n \u0111o\u1ea1n. <\/p>\n\n

B\u1ea3o hi\u1ec3m th\u00f4ng s\u1ed1 v\u00e0 COVID-19: C\u01a1 h\u1ed9i ti\u1ebfp c\u1eadn c\u1ed9ng \u0111\u1ed3ng<\/h3>\n\n

C\u00e1c ch\u00ednh s\u00e1ch tham s\u1ed1 cho c\u00e1c \u0111\u1ee3t b\u00f9ng ph\u00e1t d\u1ecbch b\u1ec7nh \u0111\u00e3 t\u1ed3n t\u1ea1i tr\u01b0\u1edbc khi b\u1eaft \u0111\u1ea7u \u0111\u1ea1i d\u1ecbch COVID-19.\nTh\u1eadt kh\u00f4ng may, ph\u1ea3i m\u1ea5t m\u1ed9t \u0111\u1ea1i d\u1ecbch \u0111\u1ec3 h\u1ea7u h\u1ebft c\u00e1c doanh nghi\u1ec7p nh\u1eadn ra gi\u00e1 tr\u1ecb c\u1ee7a c\u00e1c ch\u00ednh s\u00e1ch tham s\u1ed1 \u0111\u1ed1i v\u1edbi s\u1ef1 b\u00f9ng ph\u00e1t d\u1ecbch b\u1ec7nh. <\/p>\n\n

C\u00e1c ch\u00ednh s\u00e1ch tham s\u1ed1 cho \u0111\u1ea1i d\u1ecbch ho\u1eb7c b\u00f9ng ph\u00e1t d\u1ecbch b\u1ec7nh th\u01b0\u1eddng r\u01a1i v\u00e0o m\u1ed9t trong hai lo\u1ea1i t\u00f9y thu\u1ed9c v\u00e0o c\u00e1ch b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t, Vaasavi Unnava<\/a> t\u1ea1i Tr\u01b0\u1eddng Qu\u1ea3n l\u00fd Yale vi\u1ebft.\nM\u1ed9t s\u1ed1 ch\u00ednh s\u00e1ch d\u1ef1a tr\u00ean s\u1ed1 li\u1ec7u th\u1ed1ng k\u00ea \u0111\u01b0\u1ee3c thu th\u1eadp b\u1edfi b\u00ean th\u1ee9 ba, ch\u1eb3ng h\u1ea1n nh\u01b0 t\u1eed vong do m\u1ed9t \u0111\u1ee3t b\u00f9ng ph\u00e1t b\u1ec7nh c\u1ee5 th\u1ec3 do T\u1ed5 ch\u1ee9c Y t\u1ebf Th\u1ebf gi\u1edbi \u0111\u0103ng k\u00fd.\nNh\u1eefng ng\u01b0\u1eddi kh\u00e1c s\u1eed d\u1ee5ng c\u00e1c tham s\u1ed1 c\u1ee7a c\u01a1 quan d\u00e2n s\u1ef1, nh\u01b0 t\u00ecnh tr\u1ea1ng kh\u1ea9n c\u1ea5p \u0111\u01b0\u1ee3c tuy\u00ean b\u1ed1, \u0111\u1ec3 k\u00edch ho\u1ea1t thanh to\u00e1n theo ch\u00ednh s\u00e1ch. <\/p>\n\n

“C\u00e1c y\u1ebfu t\u1ed1 k\u00edch ho\u1ea1t ch\u00ednh quy\u1ec1n d\u00e2n s\u1ef1 cung c\u1ea5p m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ec3 t\u00ednh \u0111\u1ebfn c\u00e1c thi\u1ec7t h\u1ea1i phi v\u1eadt ch\u1ea5t, m\u00e0 h\u1ea7u h\u1ebft c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m kinh doanh hi\u1ec7n kh\u00f4ng bao g\u1ed3m trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd”, Unnava vi\u1ebft.<\/p>\n\n

V\u00ed d\u1ee5, nhi\u1ec1u t\u00f2a \u00e1n \u0111\u00e3 ph\u00e1t hi\u1ec7n ra r\u1eb1ng l\u1ec7nh \u0111\u00f3ng c\u1eeda c\u1ee7a ti\u1ec3u bang \u0111\u00f3ng c\u1eeda c\u00e1c c\u01a1 s\u1edf kinh doanh kh\u00f4ng thi\u1ebft y\u1ebfu do COVID-19 kh\u00f4ng k\u00edch ho\u1ea1t b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh theo c\u00e1c ch\u00ednh s\u00e1ch th\u00f4ng th\u01b0\u1eddng.\nTuy nhi\u00ean, m\u1ed9t ch\u00ednh s\u00e1ch tham s\u1ed1 t\u00ednh to\u00e1n c\u1ee5 th\u1ec3 cho c\u00e1c lo\u1ea1i l\u1ec7nh ng\u1eebng ho\u1ea1t \u0111\u1ed9ng n\u00e0y s\u1ebd cung c\u1ea5p b\u1ea3o hi\u1ec3m trong tr\u01b0\u1eddng h\u1ee3p doanh nghi\u1ec7p kh\u00f4ng thi\u1ebft y\u1ebfu c\u1ee7a kh\u00e1ch h\u00e0ng bu\u1ed9c ph\u1ea3i \u0111\u00f3ng c\u1eeda \u0111\u1ec3 l\u00e0m ch\u1eadm s\u1ef1 l\u00e2y lan c\u1ee7a d\u1ecbch b\u1ec7nh. <\/p>\n\n

C\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m tham s\u1ed1 nh\u01b0 PathogenRX c\u1ee7a Marsh cung c\u1ea5p ph\u1ea1m vi b\u1ea3o hi\u1ec3m nh\u01b0 v\u1eady, nh\u01b0ng PathogenRX \u00edt \u0111\u01b0\u1ee3c quan t\u00e2m tr\u01b0\u1edbc \u0111\u1ea1i d\u1ecbch, l\u00e3nh \u0111\u1ea1o th\u1ef1c h\u00e0nh r\u1ee7i ro thay th\u1ebf Marsh v\u00e0 Ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao Peter Lacovara<\/a> cho bi\u1ebft.\nM\u00e3i \u0111\u1ebfn sau khi COVID-19 tr\u1edf th\u00e0nh m\u1ed9t v\u1ea5n \u0111\u1ec1, c\u00e1c doanh nghi\u1ec7p m\u1edbi b\u1eaft \u0111\u1ea7u li\u00ean h\u1ec7 v\u1edbi Marsh \u0111\u1ec3 th\u1ea3o lu\u1eadn v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m tham s\u1ed1 c\u1ee7a n\u00f3 \u0111\u1ed1i v\u1edbi c\u00e1c \u0111\u1ee3t b\u00f9ng ph\u00e1t d\u1ecbch b\u1ec7nh. <\/p>\n\n

M\u1eb7c d\u00f9 vi\u1ec7c mua b\u1ea3o hi\u1ec3m nh\u01b0 v\u1eady s\u1ebd kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng t\u1ed5n th\u1ea5t \u0111\u00e3 x\u1ea3y ra, nh\u01b0ng ch\u00fang c\u00f3 th\u1ec3 c\u00f3 gi\u00e1 tr\u1ecb \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p d\u1ec5 b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi s\u1ef1 s\u1ee5p \u0111\u1ed5 c\u1ee7a s\u1ee9c kh\u1ecfe c\u1ed9ng \u0111\u1ed3ng v\u00e0 c\u00e1c cu\u1ed9c kh\u1ee7ng ho\u1ea3ng kh\u00e1c.\nV\u00ed d\u1ee5, m\u1ed9t ch\u00ednh s\u00e1ch t\u1eadp trung v\u00e0o vi\u1ec7c b\u1ea3o v\u1ec7 c\u00e1c doanh nghi\u1ec7p trong tr\u01b0\u1eddng h\u1ee3p ch\u00ednh ph\u1ee7 ra l\u1ec7nh \u0111\u00f3ng c\u1eeda c\u00f3 th\u1ec3 gi\u00fap c\u00e1c doanh nghi\u1ec7p duy tr\u00ec ho\u1ea1t \u0111\u1ed9ng ngay c\u1ea3 khi kh\u00f4ng c\u00f3 thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t n\u00e0o g\u00e2y ra cho t\u00e0i s\u1ea3n c\u1ee7a doanh nghi\u1ec7p. <\/p>\n\n

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

Ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m tham s\u1ed1 Marketing cho kh\u00e1ch h\u00e0ng<\/h2>\n\n

Hi\u1ec7n t\u1ea1i, c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m tham s\u1ed1 c\u00f3 th\u1ec3 kh\u00f3 b\u00e1n v\u00ec kh\u00e1ch h\u00e0ng bi\u1ebft r\u1ea5t \u00edt v\u1ec1 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y.\nM\u1ed9t kh\u00e1ch h\u00e0ng kh\u00f4ng bi\u1ebft r\u1eb1ng b\u1ea3o hi\u1ec3m tham s\u1ed1 l\u00e0 m\u1ed9t l\u1ef1a ch\u1ecdn, \u00edt h\u01a1n nhi\u1ec1u c\u00e1ch th\u1ee9c ho\u1ea1t \u0111\u1ed9ng, s\u1ebd kh\u00f4ng t\u00ecm ki\u1ebfm m\u1ed9t ch\u00ednh s\u00e1ch nh\u01b0 v\u1eady v\u00e0 c\u00f3 th\u1ec3 kh\u00e1 ho\u00e0i nghi v\u1ec1 l\u1ee3i \u00edch c\u1ee7a n\u00f3. <\/p>\n\n

“V\u1edbi c\u00e1c doanh nghi\u1ec7p c\u00e1 nh\u00e2n, \u0111i\u1ec1u \u0111\u00f3 tr\u1edf n\u00ean kh\u00f3 kh\u0103n [to sell parametric insurance] h\u01a1n v\u00ec b\u1ea1n c\u1ea7n n\u00e2ng cao nh\u1eadn th\u1ee9c v\u1ec1 s\u1ea3n ph\u1ea9m”, Matt Junge<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u c\u00e1c gi\u1ea3i ph\u00e1p b\u1ea5t \u0111\u1ed9ng s\u1ea3n cho M\u1ef9 v\u00e0 Canada t\u1ea1i Swiss Re cho bi\u1ebft.\nGi\u00e1o d\u1ee5c ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u1edf th\u00e0nh b\u01b0\u1edbc \u0111\u1ea7u ti\u00ean thi\u1ebft y\u1ebfu, cung c\u1ea5p m\u1ed9t c\u00e1ch \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 \u0111\u1ed3ng th\u1eddi trang b\u1ecb cho kh\u00e1ch h\u00e0ng ki\u1ebfn th\u1ee9c h\u1ecd c\u1ea7n \u0111\u1ec3 xem x\u00e9t ph\u1ea1m vi b\u1ea3o hi\u1ec3m tham s\u1ed1. <\/p>\n\n

M\u1ed9t c\u00e1ch \u0111\u1ec3 khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng t\u1eadp trung v\u00e0o c\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m tham s\u1ed1 l\u00e0 l\u00e0m n\u1ed5i b\u1eadt nh\u1eefng c\u00e1ch m\u00e0 b\u1ea3o hi\u1ec3m n\u00e0y c\u00f3 th\u1ec3 cung c\u1ea5p c\u00e1c kho\u1ea3n thanh to\u00e1n nhanh h\u01a1n trong c\u00e1c t\u00ecnh hu\u1ed1ng c\u1ea7n ti\u1ec1n m\u1eb7t ngay l\u1eadp t\u1ee9c, Greg Mader v\u00e0 Jason Dunn<\/a> t\u1ea1i Munich Reinsurance America vi\u1ebft.<\/p>\n\n

B\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng th\u01b0\u1eddng li\u00ean quan \u0111\u1ebfn kho\u1ea3ng c\u00e1ch gi\u1eefa th\u1eddi \u0111i\u1ec3m x\u1ea3y ra t\u1ed5n th\u1ea5t ho\u1eb7c y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u0111\u01b0\u1ee3c n\u1ed9p v\u00e0 khi ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m nh\u1eadn \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n h\u1ecd c\u1ea7n \u0111\u1ec3 x\u00e2y d\u1ef1ng l\u1ea1i.\nTh\u1eddi gian n\u00e0y th\u01b0\u1eddng \u0111\u01b0\u1ee3c d\u00e0nh \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh t\u1ed5n th\u1ea5t c\u1ee7a kh\u00e1ch h\u00e0ng th\u1ef1c s\u1ef1 l\u00e0 g\u00ec.\nTuy nhi\u00ean, khi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t b\u1edfi m\u1ed9t s\u1ef1 ki\u1ec7n nh\u01b0 tuy\u00ean b\u1ed1 kh\u1ea9n c\u1ea5p ho\u1eb7c nguy c\u01a1 th\u1eddi ti\u1ebft c\u1ee5 th\u1ec3, c\u00e1c kho\u1ea3n thanh to\u00e1n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n nhanh h\u01a1n nhi\u1ec1u, cho ph\u00e9p ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o vi\u1ec7c tr\u1edf l\u1ea1i tr\u00ean \u0111\u00f4i ch\u00e2n c\u1ee7a h\u1ecd. <\/p>\n\n

M\u1ed9t c\u00e1ch kh\u00e1c \u0111\u1ec3 khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng ch\u1ea5p nh\u1eadn c\u00e1c ch\u00ednh s\u00e1ch tham s\u1ed1 l\u00e0 t\u1eadp trung v\u00e0o c\u00e1ch c\u00e1c ch\u00ednh s\u00e1ch n\u00e0y c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft c\u00e1c t\u1ed5n th\u1ea5t m\u00e0 b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng kh\u00f4ng chi tr\u1ea3.<\/p>\n\n

“T\u1ed5n th\u1ea5t kh\u00f4ng d\u1eebng l\u1ea1i \u1edf thi\u1ec7t h\u1ea1i t\u00e0i s\u1ea3n tr\u1ef1c ti\u1ebfp v\u00e0 k\u1ebft qu\u1ea3 l\u00e0 gi\u00e1n \u0111o\u1ea1n kinh doanh”, Tr\u01b0\u1edfng b\u1ed9 ph\u1eadn Th\u1ea3m h\u1ecda t\u1ef1 nhi\u00ean tham s\u1ed1 t\u1ea1i Swiss Re Corporate Solutions Martin Hotz<\/a> cho bi\u1ebft.<\/p>\n\n

\u0110i\u1ec1u quan tr\u1ecdng n\u1eefa l\u00e0 ph\u1ea3i \u0111\u1ea3m b\u1ea3o r\u1eb1ng c\u00e1c kho\u1ea3n thanh to\u00e1n c\u1ee7a ch\u00ednh s\u00e1ch tham s\u1ed1 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng t\u1ea1i th\u1eddi \u0111i\u1ec3m m\u1ea5t m\u00e1t, theo Trung t\u00e2m Nghi\u00ean c\u1ee9u v\u00e0 Ch\u00ednh s\u00e1ch B\u1ea3o hi\u1ec3m t\u1ea1i Hi\u1ec7p h\u1ed9i \u1ee6y vi\u00ean B\u1ea3o hi\u1ec3m Qu\u1ed1c gia<\/a>.\nKhi kh\u00e1ch h\u00e0ng ch\u1ecbu t\u1ed5n th\u1ea5t kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1edfi ch\u00ednh s\u00e1ch, h\u1ecd c\u00f3 kh\u1ea3 n\u0103ng t\u1eeb b\u1ecf m\u1ed1i quan h\u1ec7 \u0111\u1ec3 \u1ee7ng h\u1ed9 b\u1ea3o hi\u1ec3m t\u1eadp trung c\u1ee5 th\u1ec3 h\u01a1n v\u00e0o t\u1ed5n th\u1ea5t c\u1ee7a h\u1ecd.\nNg\u01b0\u1ee3c l\u1ea1i, nh\u1eefng kh\u00e1ch h\u00e0ng ch\u1ecbu \u00edt t\u1ed5n th\u1ea5t nh\u01b0ng nh\u1eadn \u0111\u01b0\u1ee3c c\u00e1c kho\u1ea3n thanh to\u00e1n \u0111\u00e1ng k\u1ec3 s\u1ebd l\u00e0m nh\u01b0 v\u1eady v\u1edbi chi ph\u00ed c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

Theo nhi\u1ec1u c\u00e1ch, \u0111\u00e2y l\u00e0 th\u1eddi \u0111i\u1ec3m th\u00edch h\u1ee3p cho b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong tham s\u1ed1.\nS\u1ef1 gia t\u0103ng c\u1ee7a d\u1eef li\u1ec7u l\u1edbn v\u00e0 s\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o ph\u00e2n t\u00edch d\u1eef li\u1ec7u cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m vi\u1ebft b\u1ea3o hi\u1ec3m tham s\u1ed1 m\u1ee5c ti\u00eau, hi\u1ec7u qu\u1ea3 h\u01a1n.\nNh\u1eefng kh\u00e1ch h\u00e0ng c\u1ea3m th\u1ea5y th\u1ea5t v\u1ecdng b\u1edfi c\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng trong th\u1eddi k\u1ef3 \u0111\u1ea1i d\u1ecbch \u0111\u00e3 s\u1eb5n s\u00e0ng xem x\u00e9t c\u00e1c c\u00e1ch m\u1edbi \u0111\u1ec3 gi\u1ea3i quy\u1ebft r\u1ee7i ro.\nB\u1eb1ng c\u00e1ch gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 ti\u1ebfp th\u1ecb ph\u1ea1m vi b\u1ea3o hi\u1ec3m tham s\u1ed1 hi\u1ec7u qu\u1ea3 h\u01a1n. <\/p>\n\n

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

\u0110\u1ea1i d\u1ecbch COVID-19 b\u1ed9c l\u1ed9 m\u1ed9t s\u1ed1 b\u1ea5t c\u1eadp trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng. V\u00ed d\u1ee5, nhi\u1ec1u ch\u1ee7 doanh nghi\u1ec7p ch\u1ec9 ph\u00e1t hi\u1ec7n ra sau khi \u0111\u1ea1i d\u1ecbch \u0111\u00f3ng c\u1eeda doanh nghi\u1ec7p c\u1ee7a h\u1ecd r\u1eb1ng b\u1ea3o hi\u1ec3m gi\u00e1n \u0111o\u1ea1n kinh doanh truy\u1ec1n th\u1ed1ng kh\u00f4ng gi\u1ea3i quy\u1ebft \u0111\u01b0\u1ee3c nh\u1eefng g\u00ec \u0111\u00e3 x\u1ea3y ra v\u1edbi […]<\/p>\n","protected":false},"featured_media":9711,"template":"","insight-category":[],"class_list":["post-19328","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19328","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\/9711"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19328"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}