{"id":19427,"date":"2024-09-20T09:39:40","date_gmt":"2024-09-20T14:39:40","guid":{"rendered":"https:\/\/bolttech.io\/insight\/boi-canh-thay-doi-cua-phan-phoi-bao-hiem-dieu-gi-se-xay-ra-trong-nam-2021\/"},"modified":"2024-09-20T09:39:43","modified_gmt":"2024-09-20T14:39:43","slug":"boi-canh-thay-doi-cua-phan-phoi-bao-hiem-dieu-gi-se-xay-ra-trong-nam-2021","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/boi-canh-thay-doi-cua-phan-phoi-bao-hiem-dieu-gi-se-xay-ra-trong-nam-2021\/","title":{"rendered":"B\u1ed1i c\u1ea3nh thay \u0111\u1ed5i c\u1ee7a ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m: \u0110i\u1ec1u g\u00ec s\u1ebd x\u1ea3y ra trong n\u0103m 2021"},"content":{"rendered":"\n

N\u0103m 2020 l\u00e0 m\u1ed9t n\u0103m \u0111\u1ea7y th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e0nh kh\u00e1c.\nTuy nhi\u00ean, nh\u1eefng th\u00e1ch th\u1ee9c m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong ph\u1ea3i \u0111\u1ed1i m\u1eb7t kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi \u0111\u1ea1i d\u1ecbch COVID-19.\nNh\u1eefng thay \u0111\u1ed5i trong \u0111i\u1ec1u ki\u1ec7n m\u00f4i tr\u01b0\u1eddng v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 kh\u00e1c ph\u00e1t sinh v\u00e0o gi\u1eefa nh\u1eefng n\u0103m 2010 \u0111\u00e3 l\u00e0m t\u0103ng th\u00eam nh\u1eefng th\u00e1ch th\u1ee9c m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ed1i m\u1eb7t ng\u00e0y nay. <\/p>\n\n

Khi n\u0103m 2021 b\u1eaft \u0111\u1ea7u, ph\u00e2n ph\u1ed1i v\u1eabn l\u00e0 m\u1ed9t l\u0129nh v\u1ef1c \u0111\u1ea7y r\u1eaby th\u00e1ch th\u1ee9c v\u00e0 c\u01a1 h\u1ed9i.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u1eafm b\u1eaft quan \u0111i\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 gia t\u0103ng gi\u00e1 tr\u1ecb \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c th\u00e1ch th\u1ee9c kh\u00e1c hi\u1ec7u qu\u1ea3 h\u01a1n. <\/p>\n\n

Ph\u00e2n ph\u1ed1i v\u00e0o \u0111\u1ea7u n\u0103m 2021: Ch\u00fang ta \u0111ang \u1edf \u0111\u00e2u?<\/h2>\n\n

\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 bu\u1ed9c m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i thay \u0111\u1ed5i, bao g\u1ed3m vi\u1ec7c t\u0103ng t\u1ed1c \u00e1p d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n giao ti\u1ebfp xa c\u00e1ch x\u00e3 h\u1ed9i v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 gi\u1eefa c\u00e1c nh\u00e2n vi\u00ean b\u1ea3o hi\u1ec3m.\nNh\u01b0ng “n\u0103m 2020 \u0111\u00e3 \u0111\u1ecbnh h\u00ecnh \u0111\u1ec3 tr\u1edf th\u00e0nh m\u1ea5u ch\u1ed1t t\u1eeb l\u00e2u tr\u01b0\u1edbc khi COVID-19 xu\u1ea5t hi\u1ec7n”, Jeffery Williams<\/a>, nh\u00e0 ph\u00e2n t\u00edch c\u1ea5p cao t\u1ea1i Forrester vi\u1ebft. <\/p>\n\n

N\u0103m 2017 v\u00e0 2018 ch\u1ee9ng ki\u1ebfn m\u1ed9t s\u1ed1 th\u1ea3m h\u1ecda t\u1ef1 nhi\u00ean g\u00e2y \u00e1p l\u1ef1c l\u00ean c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong, th\u00e1ch th\u1ee9c c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed1i ph\u00f3 v\u1edbi c\u00e1c m\u00f4 h\u00ecnh m\u1edbi trong y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng, theo b\u00e1o c\u00e1o<\/a> c\u1ee7a WillisTowersWatson.\nL\u00e3i su\u1ea5t th\u1ea5p, b\u1ea5t \u1ed5n kinh t\u1ebf v\u00e0 t\u1ed5n th\u1ea5t k\u1ef7 l\u1ee5c do c\u00e1c s\u1ef1 ki\u1ec7n th\u1eddi ti\u1ebft th\u1ea3m kh\u1ed1c \u0111\u1ec1u khi\u1ebfn n\u0103m 2020 c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng s\u1ebd \u0111\u1eb7t ra nh\u1eefng th\u00e1ch th\u1ee9c \u0111\u1ed9c \u0111\u00e1o cho ng\u00e0nh b\u1ea3o hi\u1ec3m. <\/p>\n\n

Thay v\u00ec k\u00edch ho\u1ea1t s\u1ef1 chuy\u1ec3n \u0111\u1ed5i sau \u0111\u00f3, \u0111\u1ea1i d\u1ecbch \u0111\u00e3 \u0111\u1ea9y nhanh qu\u00e1 tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh cho ng\u00e0nh b\u1ea3o hi\u1ec3m.<\/p>\n\n

“Nhu c\u1ea7u t\u0103ng t\u1ed1c s\u1ed1 h\u00f3a v\u00e0 t\u0103ng c\u01b0\u1eddng ho\u1ea1t \u0111\u1ed9ng \u1ea3o \u0111\u00e3 bi\u1ebfn nh\u1eefng c\u01a1n gi\u00f3 ng\u01b0\u1ee3c th\u00e0nh nh\u1eefng c\u01a1n gi\u00f3 ng\u01b0\u1ee3c t\u1ea1i nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m, th\u00fac \u0111\u1ea9y h\u00e0nh \u0111\u1ed9ng nhanh h\u01a1n \u0111\u1ec3 cung c\u1ea5p trong n\u0103m t\u1edbi nh\u1eefng g\u00ec ban \u0111\u1ea7u c\u00f3 th\u1ec3 l\u00e0 k\u1ebf ho\u1ea1ch chuy\u1ec3n \u0111\u1ed5i t\u1eeb ba \u0111\u1ebfn n\u0103m n\u0103m”, Gary Shaw v\u00e0 Neal Baumann<\/a> t\u1ea1i Deloitte vi\u1ebft.<\/p>\n\n

T\u1ed1c \u0111\u1ed9 thay \u0111\u1ed5i nhanh ch\u00f3ng n\u00e0y di\u1ec5n ra trong m\u1ed9t n\u0103m khi nhi\u1ec1u th\u00e1ch th\u1ee9c d\u1ef1 \u0111o\u00e1n m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i \u0111\u1ed1i m\u1eb7t c\u0169ng \u0111ang bi\u1ec3u hi\u1ec7n.\nCh\u00e1y r\u1eebng, m\u00f9a b\u00e3o k\u1ef7 l\u1ee5c v\u00e0 suy tho\u00e1i kinh t\u1ebf \u0111\u00e1ng k\u1ec3 \u0111\u1ec1u g\u00e2y th\u00eam \u00e1p l\u1ef1c l\u00ean c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

Nh\u1eefng th\u00e1ch th\u1ee9c kh\u00e1c c\u0169ng \u0111\u00e3 chi\u1ebfm l\u0129nh c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m trong su\u1ed1t n\u0103m 2020 v\u00e0 sang n\u0103m m\u1edbi, Amit Palta<\/a> vi\u1ebft tr\u00ean Financial Express.\nNhu c\u1ea7u tuy\u1ec3n d\u1ee5ng c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m m\u1edbi khi c\u00e1c \u0111\u1ea1i l\u00fd k\u1ef3 c\u1ef1u ngh\u1ec9 h\u01b0u \u0111ang tr\u1edf th\u00e0nh m\u1ed9t m\u1ed1i quan t\u00e2m.\nInsurtech cung c\u1ea5p s\u1ef1 c\u1ea1nh tranh m\u1edbi, nh\u01b0ng n\u00f3 c\u0169ng cung c\u1ea5p c\u01a1 h\u1ed9i m\u1edbi cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 x\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u00e0 m\u1edf r\u1ed9ng c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a ri\u00eang h\u1ecd.\nVi\u1ec7c x\u00e2y d\u1ef1ng c\u00e1c n\u1ec1n t\u1ea3ng t\u00edch h\u1ee3p \u0111\u00e3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ch\u1ee9ng minh gi\u00e1 tr\u1ecb. <\/p>\n\n

H\u00ecnh dung l\u1ea1i ph\u00e2n ph\u1ed1i s\u1ebd kh\u00f4ng t\u1ef1 gi\u1ea3i quy\u1ebft t\u1ea5t c\u1ea3 nh\u1eefng th\u00e1ch th\u1ee9c n\u00e0y.\nTuy nhi\u00ean, n\u00f3 s\u1ebd \u0111\u00f3ng g\u00f3p v\u00e0 n\u00e2ng cao c\u00e1ch ti\u1ebfp c\u1eadn t\u1ed5ng th\u1ec3 c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ed1i v\u1edbi c\u00e1c v\u1ea5n \u0111\u1ec1 ch\u00ednh trong n\u0103m 2021 v\u00e0 h\u01a1n th\u1ebf n\u1eefa. <\/p>\n\n

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

Xem x\u00e9t l\u1ea1i c\u00e1c m\u00f4 h\u00ecnh ph\u00e2n ph\u1ed1i trong th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1<\/h2>\n\n

Khi n\u0103m 2021 b\u1eaft \u0111\u1ea7u, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang suy ngh\u0129 l\u1ea1i v\u1ec1 ph\u00e2n ph\u1ed1i nh\u01b0 m\u1ed9t ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ec3 gi\u1ea3i quy\u1ebft m\u1ed9t lo\u1ea1t v\u1ea5n \u0111\u1ec1, t\u1eeb vi\u1ec7c thay \u0111\u1ed5i k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ebfn vai tr\u00f2 m\u1edbi c\u1ee7a c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m trong th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1.<\/p>\n\n

\u0110\u1ec3 gi\u1ea3i quy\u1ebft nh\u1eefng th\u00e1ch th\u1ee9c n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i suy ngh\u0129 l\u1ea1i v\u1ec1 m\u00f4 h\u00ecnh ph\u00e2n ph\u1ed1i c\u1ee7a h\u1ecd tr\u00ean ba chi\u1ec1u: kh\u00e1ch h\u00e0ng, l\u1ef1c l\u01b0\u1ee3ng b\u00e1n h\u00e0ng v\u00e0 c\u00e1c y\u1ebfu t\u1ed1 h\u1ed7 tr\u1ee3 (nh\u01b0 \u0111\u1ea7u t\u01b0 v\u00e0o d\u1eef li\u1ec7u v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1). L\u00e0m nh\u01b0 v\u1eady s\u1ebd trao quy\u1ec1n cho h\u1ecd chu\u1ea9n b\u1ecb cho nh\u1eefng \u0111i\u1ec1u kh\u00f4ng th\u1ec3 \u0111o\u00e1n tr\u01b0\u1edbc”, Simon Kaesler<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i McKinsey vi\u1ebft.<\/p>\n\n

L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 \u0111\u1ee9ng trong \u0111\u00f4i gi\u00e0y c\u1ee7a kh\u00e1ch h\u00e0ng<\/h3>\n\n

Kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m ng\u00e0y nay \u0111\u1eb7c bi\u1ec7t quan t\u00e2m \u0111\u1ebfn thi\u1ebft l\u1eadp ph\u00e2n ph\u1ed1i “cho ph\u00e9p h\u1ecd l\u1ef1a ch\u1ecdn ph\u1ed5 t\u1eeb d\u1ecbch v\u1ee5 \u0111\u1ea7y \u0111\u1ee7 (t\u01b0\u01a1ng t\u00e1c qua \u0111i\u1ec7n tho\u1ea1i v\u00e0 con ng\u01b0\u1eddi) \u0111\u1ebfn t\u1ef1 ph\u1ee5c v\u1ee5 (ch\u1ee7 y\u1ebfu l\u00e0 web ho\u1eb7c di \u0111\u1ed9ng), v\u1edbi c\u00e1c c\u01a1 ch\u1ebf h\u1ed7 tr\u1ee3 \u1edf gi\u1eefa (d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3)”, Dan White v\u00e0 Geoff Knott<\/a> vi\u1ebft trong s\u00e1ch tr\u1eafng Ninety Consulting.<\/p>\n\n

M\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a Accenture cho th\u1ea5y kh\u00e1ch h\u00e0ng \u0111ang \u0111a d\u1ea1ng h\u00f3a vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c k\u00eanh, thay v\u00ec chuy\u1ec3n t\u1eeb k\u00eanh n\u00e0y sang k\u00eanh kh\u00e1c.\nV\u00ed d\u1ee5, nh\u1eefng kh\u00e1ch h\u00e0ng tr\u01b0\u1edbc \u0111\u00e2y ch\u1ec9 d\u1ef1a v\u00e0o c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u00e3 kh\u00f4ng t\u1eeb b\u1ecf \u0111\u1ea1i l\u00fd c\u1ee7a h\u1ecd \u0111\u1ec3 chuy\u1ec3n sang ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1; thay v\u00e0o \u0111\u00f3, h\u1ecd \u0111\u1ec1 c\u1eadp \u0111\u1ebfn c\u1ea3 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd v\u00e0 c\u00e1c t\u00f9y ch\u1ecdn giao ti\u1ebfp k\u1ef9 thu\u1eadt s\u1ed1, t\u00f9y thu\u1ed9c v\u00e0o t\u00f9y ch\u1ecdn n\u00e0o ph\u00f9 h\u1ee3p nh\u1ea5t v\u1edbi nhu c\u1ea7u c\u1ee7a h\u1ecd trong th\u1eddi \u0111i\u1ec3m n\u00e0y, Daniele Presutti<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ea5p cao v\u00e0 l\u00e3nh \u0111\u1ea1o b\u1ea3o hi\u1ec3m, Ch\u00e2u \u00c2u t\u1ea1i Accenture vi\u1ebft. <\/p>\n\n

Cho d\u00f9 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ti\u1ebfp c\u1eadn ph\u00e2n ph\u1ed1i nh\u01b0 th\u1ebf n\u00e0o, k\u1ebf ho\u1ea1ch c\u1ee7a h\u1ecd s\u1ebd \u0111\u00f2i h\u1ecfi s\u1ef1 ch\u00fa \u00fd \u0111\u1ebfn t\u00ednh nh\u1ea5t qu\u00e1n v\u00e0 d\u1ec5 s\u1eed d\u1ee5ng \u0111\u1ec3 th\u00e0nh c\u00f4ng.\n“N\u1ebfu c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng cung c\u1ea5p cho kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1 nh\u1ea5t qu\u00e1n tr\u00ean T\u1ea4T C\u1ea2 c\u00e1c k\u00eanh, kh\u00e1ch h\u00e0ng s\u1ebd chuy\u1ec3n sang c\u00e1c doanh nghi\u1ec7p ch\u00fa tr\u1ecdng h\u01a1n v\u00e0o tr\u1ea3i nghi\u1ec7m c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng”, Tal Daskal<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 \u0111\u1ed3ng s\u00e1ng l\u1eadp c\u1ee7a EasySend vi\u1ebft. <\/p>\n\n

M\u1ed9t t\u01b0\u01a1ng lai k\u1ef9 thu\u1eadt s\u1ed1 cho c\u00e1c \u0111\u1ea1i l\u00fd<\/h3>\n\n

\u0110\u1ea1i d\u1ecbch \u0111\u00e3 th\u00fac \u0111\u1ea9y to\u00e0n b\u1ed9 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ea3i suy ngh\u0129 l\u1ea1i v\u1ec1 n\u01a1i l\u00e0m vi\u1ec7c th\u1ef1c t\u1ebf.\n\u0110\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u gi\u00e3n c\u00e1ch x\u00e3 h\u1ed9i, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng d\u1ef1a v\u00e0o c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 th\u00fac \u0111\u1ea9y c\u00f4ng vi\u1ec7c t\u1eeb xa.\nC\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u0169ng l\u00e0m nh\u01b0 v\u1eady, h\u00ecnh dung l\u1ea1i c\u00e1ch cung c\u1ea5p d\u1ecbch v\u1ee5 trong khi h\u1ea1n ch\u1ebf k\u1ebft n\u1ed1i tr\u1ef1c ti\u1ebfp v\u1edbi kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m. <\/p>\n\n

V\u1edbi s\u1ef1 k\u1ebft th\u00fac c\u1ee7a \u0111\u1ea1i d\u1ecbch COVID-19 tr\u01b0\u1edbc m\u1eaft, nhi\u1ec1u \u0111\u1ea1i l\u00fd \u0111ang suy ngh\u0129 v\u1ec1 c\u00e1ch s\u1eed d\u1ee5ng c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng trong th\u1eddi k\u1ef3 \u0111\u1ea1i d\u1ecbch \u0111\u1ec3 c\u1ea3i thi\u1ec7n d\u1ecbch v\u1ee5 kh\u00e1ch h\u00e0ng khi nguy c\u01a1 l\u00e2y nhi\u1ec5m \u0111\u00e3 qua.\nV\u00ed d\u1ee5, c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 gi\u00fap c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m g\u1eb7p g\u1ee1 kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng h\u01a1n v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 v\u1ea5n \u0111\u1ec1 v\u1ec1 s\u1ee9c kh\u1ecfe, th\u00e1ch th\u1ee9c kinh t\u1ebf ho\u1eb7c l\u1ecbch tr\u00ecnh b\u1eadn r\u1ed9n khi\u1ebfn h\u1ecd kh\u00f3 c\u00f3 th\u1ec3 tr\u1ef1c ti\u1ebfp \u0111\u1ebfn v\u0103n ph\u00f2ng \u0111\u1ea1i l\u00fd, Kaesler v\u00e0 nh\u00f3m McKinsey vi\u1ebft. <\/p>\n\n

Ch\u1ecdn c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 ph\u00f9 h\u1ee3p<\/h3>\n\n

B\u1eb1ng c\u00e1ch ki\u1ec3m tra c\u1ea3 quan \u0111i\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 gi\u00e1 tr\u1ecb m\u00e0 c\u00e1c \u0111\u1ea1i l\u00fd cung c\u1ea5p, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m sau \u0111\u00f3 c\u00f3 th\u1ec3 ch\u1ecdn c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 ph\u00f9 h\u1ee3p \u0111\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau ph\u00e2n ph\u1ed1i c\u1ee7a h\u1ecd.<\/p>\n\n

“T\u00f4i ngh\u0129 r\u1eb1ng c\u00e1c nh\u00e0 m\u1ea1ng c\u00f3 nhi\u1ec7m v\u1ee5 ph\u00e2n t\u00edch v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch cho c\u00e1c k\u00eanh ph\u00e2n ph\u1ed1i c\u1ee7a h\u1ecd trong 3-5 n\u0103m t\u1edbi, xem x\u00e9t c\u00f4ng ngh\u1ec7 \u0111ang \u1edf \u0111\u00e2u v\u00e0 quan tr\u1ecdng h\u01a1n l\u00e0 n\u00f3 s\u1ebd \u0111i v\u1ec1 \u0111\u00e2u”, Michael Costonis<\/a>, EVP v\u00e0 gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i CNA Insurance vi\u1ebft.<\/p>\n\n

\u0110\u1ec3 k\u1ebft h\u1ee3p c\u00f4ng ngh\u1ec7 m\u1ed9t c\u00e1ch hi\u1ec7u qu\u1ea3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n xem x\u00e9t m\u1ed9t s\u1ed1 kh\u00eda c\u1ea1nh kh\u00e1c nhau c\u1ee7a c\u00f4ng ngh\u1ec7 v\u00ec n\u00f3 li\u00ean quan \u0111\u1ebfn n\u1ed7 l\u1ef1c v\u00e0 m\u1ee5c ti\u00eau ph\u00e2n ph\u1ed1i c\u1ee7a h\u1ecd.\nV\u00ed d\u1ee5: c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 chi\u1ebfn l\u01b0\u1ee3c ph\u00e2n ph\u1ed1i t\u1eadn d\u1ee5ng nhi\u1ec1u k\u00eanh s\u1ebd c\u00f3 th\u1ec3 xem ph\u00e2n ph\u1ed1i t\u1eeb quan \u0111i\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ph\u1ea3n h\u1ed3i theo c\u00e1ch khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng m\u1edbi tham gia v\u1edbi c\u00f4ng ty v\u00e0 kh\u00e1ch h\u00e0ng hi\u1ec7n t\u1ea1i \u0111\u1ec3 duy tr\u00ec l\u00f2ng trung th\u00e0nh c\u1ee7a h\u1ecd. <\/p>\n\n

S\u1ef1 gia t\u0103ng c\u1ee7a d\u1eef li\u1ec7u l\u1edbn c\u0169ng cung c\u1ea5p m\u1ed9t s\u1ed1 c\u01a1 h\u1ed9i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, nh\u01b0ng t\u01b0\u01a1ng lai c\u0169ng c\u00f3 th\u1ec3 thu\u1ed9c v\u1ec1 nh\u1eefng c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadn d\u1ee5ng nh\u1eefng c\u01a1 h\u1ed9i \u0111\u00f3.\nK\u1ebft h\u1ee3p ph\u00e2n t\u00edch v\u00e0o c\u00e1c k\u00eanh ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a, v\u00ed d\u1ee5, c\u00f3 th\u1ec3 gi\u00fap tr\u1ea3i nghi\u1ec7m ph\u00e2n ph\u1ed1i c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u1ed5i b\u1eadt so v\u1edbi c\u00e1c \u0111\u1ed1i th\u1ee7 c\u1ea1nh tranh. <\/p>\n\n

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

Ph\u00e1t tri\u1ec3n th\u00e0nh t\u01b0\u01a1ng lai c\u1ee7a ph\u00e2n ph\u1ed1i<\/h2>\n\n

“V\u1ea5n \u0111\u1ec1 ch\u00ednh \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m P&C l\u00e0 s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn”, Carolyn Polikoff<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao, l\u00e3nh \u0111\u1ea1o th\u1ef1c h\u00e0nh d\u00f2ng th\u01b0\u01a1ng m\u1ea1i qu\u1ed1c gia t\u1ea1i Woodruff Sawyer vi\u1ebft.\nNh\u1eefng b\u1ea5t \u1ed5n v\u1ec1 ch\u00ednh tr\u1ecb, kinh t\u1ebf v\u00e0 m\u00f4i tr\u01b0\u1eddng s\u1ebd mang l\u1ea1i nh\u1eefng th\u00e1ch th\u1ee9c m\u1edbi v\u00e0 b\u1ea5t ng\u1edd trong n\u0103m nay v\u00e0 trong nh\u1eefng n\u0103m t\u1edbi. <\/p>\n\n

Tuy nhi\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 c\u01a1 h\u1ed9i \u0111\u1ec3 hy v\u1ecdng.\nX\u00e2y d\u1ef1ng quan h\u1ec7 \u0111\u1ed1i t\u00e1c th\u00f4ng qua c\u00e1c h\u1ec7 sinh th\u00e1i v\u00e0 n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1, c\u0169ng nh\u01b0 th\u00f4ng qua c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n th\u00f4ng th\u01b0\u1eddng h\u01a1n nh\u01b0 s\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i, cung c\u1ea5p cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch \u0111\u1ec3 c\u1ea3i thi\u1ec7n ph\u00e2n ph\u1ed1i v\u00e0 x\u00e2y d\u1ef1ng kh\u1ea3 n\u0103ng ph\u1ee5c h\u1ed3i t\u1ed1t h\u01a1n khi \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ef1 kh\u00f4ng ch\u1eafc ch\u1eafn. <\/p>\n\n

S\u00e1u th\u00e1ng cu\u1ed1i n\u0103m 2020 ch\u1ee9ng ki\u1ebfn s\u1ef1 t\u0103ng tr\u01b0\u1edfng nhanh ch\u00f3ng trong c\u00e1c v\u1ee5 s\u00e1p nh\u1eadp v\u00e0 mua l\u1ea1i b\u1ea3o hi\u1ec3m, Mark Hollmer<\/a> vi\u1ebft t\u1ea1i T\u1ea1p ch\u00ed B\u1ea3o hi\u1ec3m.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang s\u1eed d\u1ee5ng c\u00e1c giao d\u1ecbch n\u00e0y \u0111\u1ec3 m\u1edf r\u1ed9ng kh\u1ea3 n\u0103ng c\u1ee7a h\u1ecd v\u00e0 \u0111\u00e1p \u1ee9ng t\u1ed1t h\u01a1n mong \u0111\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

“T\u1eeb cu\u1ed1i th\u00e1ng 6 \u0111\u1ebfn gi\u1eefa th\u00e1ng 11, \u0111\u00e3 c\u00f3 222 giao d\u1ecbch \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1, v\u1edbi gi\u00e1 tr\u1ecb th\u1ecfa thu\u1eadn \u0111\u01b0\u1ee3c c\u00f4ng b\u1ed1 l\u00e0 10,9 t\u1ef7 USD”, John Marra v\u00e0 Gregory McGahan<\/a> t\u1ea1i PwC vi\u1ebft.\nM&ampA b\u1ea3o hi\u1ec3m d\u1ef1 ki\u1ebfn s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c \u0111\u1ed9ng l\u1ef1c v\u00e0o n\u0103m 2021, khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ecm c\u00e1ch t\u00edch h\u1ee3p c\u00e1c b\u00e0i h\u1ecdc kinh nghi\u1ec7m t\u1eeb \u0111\u1ea1i d\u1ecbch v\u00e0o c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n ph\u00e2n ph\u1ed1i hi\u1ec7u qu\u1ea3 h\u01a1n v\u1ec1 chi ph\u00ed. <\/p>\n\n

Ho\u1ea1t \u0111\u1ed9ng M&ampA ch\u1ec9 l\u00e0 m\u1ed9t c\u00e1ch m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang t\u00ecm c\u00e1ch l\u00e0m cho vi\u1ec7c ph\u00e2n ph\u1ed1i v\u00e0 c\u00e1c ch\u1ee9c n\u0103ng kh\u00e1c hi\u1ec7u qu\u1ea3 h\u01a1n.\nKhi n\u00f3i \u0111\u1ebfn hi\u1ec7u qu\u1ea3, cam k\u1ebft thay \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng. <\/p>\n\n

“T\u00e1c \u0111\u1ed9ng l\u1edbn nh\u1ea5t m\u00e0 c\u00f4ng ngh\u1ec7 c\u00f3 th\u1ec3 c\u00f3 tr\u00ean to\u00e0n b\u1ed9 m\u1ea3ng ph\u00e2n ph\u1ed1i l\u00e0 lo\u1ea1i b\u1ecf t\u1ea5t c\u1ea3 nh\u1eefng s\u1ef1 thi\u1ebfu hi\u1ec7u qu\u1ea3 \u0111\u00f3 v\u00e0 l\u00e0m cho n\u00f3 nhanh h\u01a1n, r\u1ebb h\u01a1n v\u00e0 th\u1eadm ch\u00ed ch\u00ednh x\u00e1c h\u01a1n bao gi\u1edd h\u1ebft”, Mike Fitzgerald<\/a>, m\u1ed9t nh\u00e0 ph\u00e2n t\u00edch c\u00f4ng ngh\u1ec7 ng\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i CB Insights cho bi\u1ebft.<\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi m\u1ed9t t\u01b0\u01a1ng lai \u0111\u1ea7y th\u00e1ch th\u1ee9c tr\u01b0\u1edbc s\u1ef1 gia t\u0103ng c\u1ee7a COVID-19.\nB\u1eb1ng c\u00e1ch ti\u1ebfp c\u1eadn t\u1eadp trung v\u00e0o kh\u00e1ch h\u00e0ng \u0111\u1ec3 ph\u00e2n ph\u1ed1i, thu h\u00fat c\u00e1c \u0111\u1ea1i l\u00fd v\u00e0 l\u1ef1a ch\u1ecdn c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 ph\u00f9 h\u1ee3p, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u1ecbnh v\u1ecb t\u1ed1t h\u01a1n \u0111\u1ec3 cung c\u1ea5p gi\u00e1 tr\u1ecb v\u00e0 v\u01b0\u1ee3t qua nh\u1eefng th\u00e1ch th\u1ee9c ph\u00eda tr\u01b0\u1edbc. <\/p>\n\n

\u1ea2nh: pitinan\/\u00a9123RF.com, dolgachov\/\u00a9123RF.com, Dmitrii Shironosov\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

N\u0103m 2020 l\u00e0 m\u1ed9t n\u0103m \u0111\u1ea7y th\u00e1ch th\u1ee9c \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 \u0111\u1ed1i v\u1edbi c\u00e1c ng\u00e0nh kh\u00e1c. Tuy nhi\u00ean, nh\u1eefng th\u00e1ch th\u1ee9c m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong ph\u1ea3i \u0111\u1ed1i m\u1eb7t kh\u00f4ng ch\u1ec9 \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi \u0111\u1ea1i d\u1ecbch COVID-19. Nh\u1eefng thay \u0111\u1ed5i trong \u0111i\u1ec1u […]<\/p>\n","protected":false},"featured_media":0,"template":"","insight-category":[],"class_list":["post-19427","insight","type-insight","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19427","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:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19427"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19427"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}