{"id":19436,"date":"2024-09-20T09:39:49","date_gmt":"2024-09-20T14:39:49","guid":{"rendered":"https:\/\/bolttech.io\/insight\/covid-19-va-nganh-bao-hiem-chung-ta-dung-o-dau\/"},"modified":"2024-09-20T09:39:54","modified_gmt":"2024-09-20T14:39:54","slug":"covid-19-va-nganh-bao-hiem-chung-ta-dung-o-dau","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/covid-19-va-nganh-bao-hiem-chung-ta-dung-o-dau\/","title":{"rendered":"COVID-19 v\u00e0 ng\u00e0nh b\u1ea3o hi\u1ec3m: Ch\u00fang ta \u0111\u1ee9ng \u1edf \u0111\u00e2u?"},"content":{"rendered":"\n<p>Ng\u01b0\u1eddi d\u00e2n \u1edf M\u1ef9 v\u00e0 nhi\u1ec1u qu\u1ed1c gia kh\u00e1c ti\u1ebfp t\u1ee5c s\u1ed1ng chung v\u1edbi COVID-19 nh\u01b0 m\u1ed9t th\u1ef1c t\u1ebf h\u00e0ng ng\u00e0y.\nTuy nhi\u00ean, m\u1ed9t n\u0103m sau \u0111\u1ea1i d\u1ecbch, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 d\u1ef1 \u0111o\u00e1n ban \u0111\u1ea7u n\u00e0o c\u1ee7a ch\u00fang ta \u0111\u00e3 \u0111\u01b0\u1ee3c hi\u1ec7n th\u1ef1c h\u00f3a.\nH\u1ecd c\u0169ng c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u \u0111\u00e1nh gi\u00e1 ph\u1ea3n \u1ee9ng c\u1ee7a ch\u00ednh m\u00ecnh \u0111\u1ed1i v\u1edbi \u0111\u1ea1i d\u1ecbch v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch cho n\u0103m t\u1edbi.  <\/p>\n\n<h2 class=\"wp-block-heading\">D\u1ef1 \u0111o\u00e1n c\u1ee7a ch\u00fang t\u00f4i di\u1ec5n ra nh\u01b0 th\u1ebf n\u00e0o &#8211; ho\u1eb7c kh\u00f4ng<\/h2>\n\n<p><a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/us\/Documents\/financial-services\/us-deloitte-property-casualty-insurance-remade-by-covid19.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Paul Nelson<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u t\u1ea1i Deloitte \u0111\u00e3 d\u1ef1 \u0111o\u00e1n v\u00e0o n\u0103m 2020 r\u1eb1ng COVID-19 c\u00f3 th\u1ec3 di\u1ec5n ra theo m\u1ed9t s\u1ed1 c\u00e1ch.\nNh\u00f3m nghi\u00ean c\u1ee9u \u0111\u00e3 \u0111\u01b0a ra b\u1ed1n k\u1ecbch b\u1ea3n, t\u00ednh \u0111\u1ebfn kh\u1ea3 n\u0103ng ph\u1ea3n \u1ee9ng c\u1ee7a c\u1ea3 c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi COVID-19. <\/p>\n\n<p>Trong khi c\u00e1c k\u1ecbch b\u1ea3n n\u00e0y v\u1eabn \u0111ang ph\u00e1t tri\u1ec3n, nh\u00f3m Deloitte \u0111\u00e3 d\u1ef1 \u0111o\u00e1n s\u00e1u thay \u0111\u1ed5i c\u1ee5 th\u1ec3 trong h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1ch kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m.\nNh\u1eefng thay \u0111\u1ed5i n\u00e0y bao g\u1ed3m: <\/p>\n\n<ul class=\"wp-block-list\">\n<li>M\u1ed9t s\u1edf th\u00edch \u0111\u1ec3 \u1edf nh\u00e0.<\/li>\n\n\n\n<li>M\u1ed1i quan t\u00e2m m\u1edbi \u0111\u1ed1i v\u1edbi c\u00e1c l\u1ef1a ch\u1ecdn chi ph\u00ed th\u1ea5p h\u01a1n.<\/li>\n\n\n\n<li>T\u0103ng c\u01b0\u1eddng mua s\u1eafm tr\u1ef1c tuy\u1ebfn.<\/li>\n\n\n\n<li>\u01afu ti\u00ean s\u1ee9c kh\u1ecfe v\u00e0 h\u1ea1nh ph\u00fac.<\/li>\n\n\n\n<li>K\u1ef3 v\u1ecdng v\u1ec1 s\u1ef1 s\u1ea1ch s\u1ebd.<\/li>\n\n\n\n<li>Th\u00edch mua t\u1ea1i \u0111\u1ecba ph\u01b0\u01a1ng.<\/li>\n<\/ul>\n\n<p>T\u1ea5t c\u1ea3 nh\u1eefng thay \u0111\u1ed5i n\u00e0y c\u00f3 xu h\u01b0\u1edbng h\u01b0\u1edbng kh\u00e1ch h\u00e0ng h\u01b0\u1edbng t\u1edbi c\u00e1c t\u00f9y ch\u1ecdn k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd c\u1ea7n cho gia \u0111\u00ecnh ho\u1eb7c doanh nghi\u1ec7p.<\/p>\n\n<p>M\u1ed9t s\u1ed1 m\u1ee9c gi\u00e1 b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u0103ng l\u00ean tr\u01b0\u1edbc \u0111\u1ea1i d\u1ecbch COVID-19 v\u00e0 ngay c\u1ea3 m\u1ed9t s\u1ef1 ki\u1ec7n to\u00e0n c\u1ea7u ch\u1ec9 c\u00f3 m\u1ed9t l\u1ea7n trong \u0111\u1eddi c\u0169ng kh\u00f4ng l\u00e0m thay \u0111\u1ed5i qu\u1ef9 \u0111\u1ea1o \u0111\u00f3.\nV\u00ed d\u1ee5, t\u1ef7 l\u1ec7 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 th\u01b0\u01a1ng m\u1ea1i ti\u1ebfp t\u1ee5c t\u0103ng trong n\u0103m 2020 v\u00ec &#8220;vi\u1ec7c t\u0103ng l\u00e3i su\u1ea5t kh\u00f4ng theo k\u1ecbp xu h\u01b0\u1edbng thua l\u1ed7&#8221;, <a href=\"https:\/\/viewpoint.libertymutualgroup.com\/article\/covid-19s-impact-on-the-property-and-casualty-market-key-predictions-and-how-to-respond\/\" target=\"_blank\" rel=\"noreferrer noopener\">David Perez<\/a>, gi\u00e1m \u0111\u1ed1c b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh c\u00e1c gi\u1ea3i ph\u00e1p r\u1ee7i ro to\u00e0n c\u1ea7u t\u1ea1i Liberty Mutual Insurance cho bi\u1ebft. <\/p>\n\n<p>S\u1ef1 gia t\u0103ng li\u00ean t\u1ee5c trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 th\u01b0\u01a1ng m\u1ea1i b\u1ea5t ch\u1ea5p c\u00e1c \u0111\u01a1n \u0111\u1eb7t h\u00e0ng \u1edf nh\u00e0 \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn nhi\u1ec1u th\u00e0nh ph\u1ed1 v\u00e0 ti\u1ec3u bang c\u00f3 ph\u1ea7n ph\u1ea3n tr\u1ef1c gi\u00e1c.\nTuy nhi\u00ean, Perez l\u01b0u \u00fd r\u1eb1ng trong khi s\u1ed1 l\u01b0\u1ee3ng ph\u01b0\u01a1ng ti\u1ec7n tr\u00ean \u0111\u01b0\u1eddng \u0111\u00e3 gi\u1ea3m, gi\u00e1 c\u01b0\u1edbc th\u00ec kh\u00f4ng. <\/p>\n\n<p>T\u1ef7 l\u1ec7 b\u1ecb \u1ea3nh h\u01b0\u1edfng b\u1edfi nhi\u1ec1u h\u01a1n l\u00e0 ch\u1ec9 s\u1ed1 l\u01b0\u1ee3ng y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng \u00f4 t\u00f4, \u00f4ng gi\u1ea3i th\u00edch.\nNhi\u1ec1u tai n\u1ea1n h\u01a1n do l\u00e1i xe li\u1ec1u l\u0129nh h\u01a1n tr\u00ean nh\u1eefng con \u0111\u01b0\u1eddng tr\u1ed1ng h\u01a1n, c\u0169ng nh\u01b0 s\u1eeda ch\u1eefa t\u1ed1n k\u00e9m h\u01a1n cho c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n c\u00f3 s\u1ed1 l\u01b0\u1ee3ng b\u1ed9 ph\u1eadn c\u00f4ng ngh\u1ec7 ph\u1ee9c t\u1ea1p ng\u00e0y c\u00e0ng t\u0103ng, c\u1ea3 hai \u0111\u1ec1u l\u00e0m vi\u1ec7c \u0111\u1ec3 gi\u1eef cho gi\u00e1 \u00f4 t\u00f4 th\u01b0\u01a1ng m\u1ea1i t\u0103ng l\u00ean ngay c\u1ea3 khi t\u1ed5ng s\u1ed1 ph\u01b0\u01a1ng ti\u1ec7n tr\u00ean \u0111\u01b0\u1eddng gi\u1ea3m. <\/p>\n\n<p>Xe th\u01b0\u01a1ng m\u1ea1i c\u0169ng \u0111\u1ea1i di\u1ec7n cho m\u1ed9t ngo\u1ea1i l\u1ec7 \u0111\u1ed1i v\u1edbi s\u1ef1 s\u1ee5t gi\u1ea3m t\u1ed5ng th\u1ec3 trong giao th\u00f4ng \u0111\u01b0\u1eddng b\u1ed9.\nTrong khi nhi\u1ec1u t\u00e0i x\u1ebf c\u00e1 nh\u00e2n \u1edf nh\u00e0, c\u00e1c t\u00e0i x\u1ebf th\u01b0\u01a1ng m\u1ea1i th\u1ea5y m\u00ecnh b\u1eadn r\u1ed9n h\u01a1n so v\u1edbi tr\u01b0\u1edbc \u0111\u1ea1i d\u1ecbch, giao th\u1ef1c ph\u1ea9m, thu\u1ed1c men v\u00e0 c\u00e1c m\u1eb7t h\u00e0ng b\u00e1n l\u1ebb \u0111\u1ebfn t\u1eadn nh\u00e0. <\/p>\n\n<p>M\u1ed9t s\u1ed1 d\u1ef1 \u0111o\u00e1n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n c\u0169ng \u0111\u00e3 di\u1ec5n ra.\nV\u00ed d\u1ee5, v\u00e0o m\u00f9a xu\u00e2n n\u0103m 2020, nhi\u1ec1u chuy\u00ean gia \u0111\u00e3 c\u1ea3nh b\u00e1o v\u1ec1 m\u1ed9t m\u00f9a b\u00e3o ho\u1ea1t \u0111\u1ed9ng b\u1ea5t th\u01b0\u1eddng \u0111ang di\u1ec5n ra, <a href=\"https:\/\/www.sciencenews.org\/article\/weather-forecasters-predict-very-active-2020-atlantic-hurricane-season\" target=\"_blank\" rel=\"noreferrer noopener\">Carolyn Gramling<\/a> vi\u1ebft tr\u00ean Science News.\nV\u00e0o cu\u1ed1i m\u00f9a b\u00e3o c\u1ee7a n\u0103m, C\u01a1 quan Kh\u00ed quy\u1ec3n v\u00e0 \u0110\u1ea1i d\u01b0\u01a1ng Qu\u1ed1c gia (NOAA) \u0111\u00e3 g\u1ecdi n\u00f3 l\u00e0 &#8220;c\u1ef1c k\u1ef3 t\u00edch c\u1ef1c&#8221;, l\u01b0u \u00fd r\u1eb1ng n\u0103m 2020 c\u00f3 &#8220;k\u1ef7 l\u1ee5c 30 c\u01a1n b\u00e3o \u0111\u01b0\u1ee3c \u0111\u1eb7t t\u00ean v\u00e0 12 c\u01a1n b\u00e3o \u0111\u1ed5 b\u1ed9 v\u00e0o l\u1ee5c \u0111\u1ecba Hoa K\u1ef3&#8221;.  <\/p>\n\n<p>C\u00e1c \u0111i\u1ec1u ki\u1ec7n kh\u00e1c nhau &#8220;\u0111\u00e3 gi\u00fap l\u00e0m cho m\u00f9a b\u00e3o c\u1ef1c k\u1ef3 t\u00edch c\u1ef1c, ph\u00e1 k\u1ef7 l\u1ee5c n\u00e0y c\u00f3 th\u1ec3 x\u1ea3y ra&#8221;, <a href=\"https:\/\/www.noaa.gov\/media-release\/record-breaking-atlantic-hurricane-season-draws-to-end\" target=\"_blank\" rel=\"noreferrer noopener\">Gary Bell, ti\u1ebfn s\u0129<\/a>, chuy\u00ean gia kh\u00ed h\u1eadu b\u00e3o v\u00e0 nh\u00e0 kh\u00ed t\u01b0\u1ee3ng h\u1ecdc nghi\u00ean c\u1ee9u t\u1ea1i Trung t\u00e2m D\u1ef1 b\u00e1o Kh\u00ed h\u1eadu c\u1ee7a NOAA cho bi\u1ebft.\nM\u1ed9t m\u00f9a b\u00e3o t\u00edch c\u1ef1c, l\u1ea7n l\u01b0\u1ee3t, y\u1ebfu t\u1ed1 v\u00e0o n\u1ed7 l\u1ef1c c\u1ee7a nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 t\u00ednh to\u00e1n r\u1ee7i ro v\u00e0 thi\u1ebft l\u1eadp gi\u00e1 ph\u00f9 h\u1ee3p cho c\u1ea3 b\u1ea3o hi\u1ec3m b\u1ea5t \u0111\u1ed9ng s\u1ea3n nh\u00e0 \u1edf v\u00e0 th\u01b0\u01a1ng m\u1ea1i. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"691\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting-1024x691.jpg\" alt=\"\" class=\"wp-image-9506\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting-1024x691.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting-300x203.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting-768x518.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Th\u00e0nh c\u00f4ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m trong \u0111\u1ea1i d\u1ecbch<\/h2>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 tranh gi\u00e0nh \u0111\u1ec3 chuy\u1ec3n sang n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 trong th\u1eddi k\u1ef3 \u0111\u1ea1i d\u1ecbch.\nB\u1eb1ng c\u00e1ch \u0111\u1ea9y ti\u1ebfn \u0111\u1ed9 chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a h\u1ecd v\u1ec1 ph\u00eda tr\u01b0\u1edbc, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&amp;C c\u0169ng c\u00f3 th\u1ec3 \u0111\u00e3 th\u1ef1c hi\u1ec7n b\u01b0\u1edbc t\u1ed1t nh\u1ea5t c\u00f3 th\u1ec3 \u0111\u1ec3 \u0111\u00e1p \u1ee9ng c\u00e1c m\u1ee5c ti\u00eau kinh doanh d\u00e0i h\u1ea1n. <\/p>\n\n<p>&#8220;COVID-19 \u0111\u00e3 \u0111\u1ea9y nhu c\u1ea7u v\u1ec1 c\u00e1c gi\u1ea3i ph\u00e1p v\u00e0 d\u1ecbch v\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi ra \u0111\u1eddi, s\u00e1ng t\u1ea1o l\u00ean h\u00e0ng \u0111\u1ea7u trong ho\u1ea1t \u0111\u1ed9ng ti\u00eau chu\u1ea9n c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m,&#8221; <a href=\"https:\/\/www.globenewswire.com\/news-release\/2020\/12\/17\/2146947\/0\/en\/COVID-19-s-Impact-on-the-Insurance-Industry-Will-Continue-Well-into-2021.html\" target=\"_blank\" rel=\"noreferrer noopener\">Mark McElroy<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch \u0111i\u1ec1u h\u00e0nh v\u00e0 ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u kinh doanh b\u1ea3o hi\u1ec3m t\u1ea1i TransUnion cho bi\u1ebft.\nB\u1eb1ng c\u00e1ch n\u1eafm b\u1eaft c\u00e1c l\u1ef1a ch\u1ecdn ph\u00e2n ph\u1ed1i m\u1edbi, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 \u0111\u1ecbnh v\u1ecb m\u00ecnh \u0111\u1ec3 \u0111\u00e1p \u1ee9ng kh\u00e1ch h\u00e0ng \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf. <\/p>\n\n<p>\u0110\u1ed1i v\u1edbi nhi\u1ec1u ng\u01b0\u1eddi, gi\u00e3n c\u00e1ch x\u00e3 h\u1ed9i \u0111ang chuy\u1ec3n t\u1eeb m\u1ed9t \u0111i\u1ec1u c\u1ea7n thi\u1ebft sang m\u1ed9t th\u00f3i quen.\nNgay c\u1ea3 khi \u0111\u1ea1i d\u1ecbch suy y\u1ebfu, nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y c\u00f3 th\u1ec3 r\u1ea5t th\u00edch c\u00e1c l\u1ef1a ch\u1ecdn tr\u1ef1c tuy\u1ebfn \u0111\u1ec3 mua b\u1ea3o hi\u1ec3m, c\u00f3 th\u1ec3 \u0111\u1ebfn m\u1ee9c tr\u00e1nh c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng cung c\u1ea5p d\u1ecbch v\u1ee5 ph\u00e2n ph\u1ed1i tr\u1ef1c tuy\u1ebfn.\nDo \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 th\u00e2n thi\u1ec7n v\u1edbi kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c \u0111\u1ecbnh v\u1ecb \u0111\u1ec3 t\u1eadn d\u1ee5ng s\u1ef1 thay \u0111\u1ed5i n\u00e0y trong th\u00f3i quen c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng.  <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 gi\u1ea3m r\u1ee7i ro m\u00e0 l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng c\u1ee7a ch\u00ednh h\u1ecd ph\u1ea3i \u0111\u1ed1i m\u1eb7t.<\/p>\n\n<p>&#8220;C\u00f3 m\u1ed9t s\u1ed1 ng\u00e0nh m\u00e0 ch\u00fang t\u00f4i th\u1ea5y c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i th\u1eadn tr\u1ecdng h\u01a1n, nh\u01b0 c\u00e1c ng\u00e0nh ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe, kh\u00e1ch s\u1ea1n, gi\u1ea3i tr\u00ed v\u00e0 nh\u00e0 h\u00e0ng. V\u00ed d\u1ee5, m\u1ed9t gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a m\u1ed9t trong nh\u1eefng h\u00e3ng v\u1eadn t\u1ea3i l\u1edbn c\u1ee7a ch\u00fang t\u00f4i nh\u1eadn x\u00e9t r\u1eb1ng h\u1ecd kh\u00f4ng mu\u1ed1n b\u01b0\u1edbc v\u00e0o m\u1ed9t y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng khi vi\u1ebft kinh doanh m\u1edbi, &#8221; <a href=\"http:\/\/www.rmmagazine.com\/2020\/05\/01\/hard-times-hard-market\/\" target=\"_blank\" rel=\"noreferrer noopener\">B. Puckett<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch v\u00e0 l\u00e3nh \u0111\u1ea1o quan h\u1ec7 th\u1ecb tr\u01b0\u1eddng t\u1ea1i c\u00f4ng ty m\u00f4i gi\u1edbi b\u1ea3o hi\u1ec3m to\u00e0n c\u1ea7u Gallagher n\u00f3i.\n\u0110\u1ec3 b\u1ea3o v\u1ec7 l\u1ef1c l\u01b0\u1ee3ng lao \u0111\u1ed9ng c\u1ee7a ch\u00ednh h\u1ecd, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 ch\u1ea5p nh\u1eadn c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 th\u1ef1c h\u00e0nh l\u00e0m vi\u1ec7c t\u1ea1i nh\u00e0. <\/p>\n\n<p>Ng\u00e0nh b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong n\u00f3i chung d\u1ef1 ki\u1ebfn s\u1ebd v\u1eabn \u1ed5n \u0111\u1ecbnh trong t\u01b0\u01a1ng lai g\u1ea7n.\nStandard &amp;; Poor&#8217;s <a href=\"https:\/\/www.gccapitalideas.com\/2020\/08\/13\/standard-poors-outlook-on-covid-19-part-two-u-s-property-casualty-insurance-sector-outlook\/\" target=\"_blank\" rel=\"noreferrer noopener\">d\u1ef1 \u0111o\u00e1n s\u1ef1<\/a> \u1ed5n \u0111\u1ecbnh cho 95% c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m trong l\u0129nh v\u1ef1c n\u00e0y.\nM\u1eb7c d\u00f9 d\u1ef1 \u0111o\u00e1n v\u1ec1 s\u1ef1 \u1ed5n \u0111\u1ecbnh c\u00f3 ph\u1ea7n \u00edt \u0111\u00e1ng kh\u00edch l\u1ec7 h\u01a1n so v\u1edbi d\u1ef1 \u0111o\u00e1n t\u0103ng tr\u01b0\u1edfng t\u00edch c\u1ef1c, nh\u01b0ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&amp;C \u0111\u00e3 tr\u00e1nh \u0111\u01b0\u1ee3c nh\u1eefng d\u1ef1 \u0111o\u00e1n th\u1ea3m kh\u1ed1c h\u01a1n v\u1ec1 t\u00e1c \u0111\u1ed9ng c\u1ee7a \u0111\u1ea1i d\u1ecbch \u0111\u1ed1i v\u1edbi gi\u00e1 c\u1ea3, ch\u1eb3ng h\u1ea1n nh\u01b0 nh\u1eefng d\u1ef1 \u0111o\u00e1n c\u1ee7a <a href=\"https:\/\/www.businessinsurance.com\/article\/20200406\/NEWS06\/912333887\/US-commercial-insurance-pricing-impact-of-COVID-19-likely-%E2%80%98dramatic%E2%80%99-MarketScout\" target=\"_blank\" rel=\"noreferrer noopener\">Richard Kerr<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i c\u00f4ng ty ph\u00e2n ph\u1ed1i v\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh b\u1ea3o hi\u1ec3m MarketScout, v\u00e0o \u0111\u1ea7u n\u0103m 2020.  <\/p>\n\n<p>&#8220;C\u01a1 s\u1edf ti\u1ebfp x\u00fac th\u1ea5p h\u01a1n v\u00e0 kh\u1ea3 n\u0103ng can thi\u1ec7p c\u1ee7a ch\u00ednh ph\u1ee7 v\u00e0o vi\u1ec7c \u00e1p d\u1ee5ng b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 t\u00e1c \u0111\u1ed9ng \u0111\u00e1ng k\u1ec3 \u0111\u1ebfn gi\u00e1 c\u1ea3 trong ph\u1ea7n c\u00f2n l\u1ea1i c\u1ee7a n\u0103m&#8221;, Kerr d\u1ef1 \u0111o\u00e1n.\nTrong khi nhi\u1ec1u m\u1ee9c gi\u00e1 \u0111\u00e3 t\u0103ng, b\u1ea3o hi\u1ec3m P&amp;C n\u00f3i chung \u0111\u00e3 v\u01b0\u1ee3t qua \u0111\u1ea1i d\u1ecbch COVID-19 cho \u0111\u1ebfn nay t\u1ed1t h\u01a1n so v\u1edbi c\u00e1c d\u1ef1 b\u00e1o ban \u0111\u1ea7u cho th\u1ea5y n\u00f3 c\u00f3 th\u1ec3. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"724\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving-1024x724.jpg\" alt=\"\" class=\"wp-image-9496\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving-1024x724.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving-300x212.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving-768x543.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Tr\u1ea3i nghi\u1ec7m COVID-19 c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng s\u1ebd thay \u0111\u1ed5i c\u00e1ch ti\u1ebfp c\u1eadn kinh doanh c\u1ee7a h\u1ecd nh\u01b0 th\u1ebf n\u00e0o<\/h2>\n\n<p>\u0110\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi \u0111\u1ea1i d\u1ecbch, kh\u00e1ch h\u00e0ng \u0111ang t\u00ecm c\u00e1ch gi\u1ea3m chi ph\u00ed trong khi v\u1eabn duy tr\u00ec b\u1ea3o hi\u1ec3m ph\u1ee5c v\u1ee5 h\u1ecd khi \u0111\u1ed1i m\u1eb7t v\u1edbi COVID-19 v\u00e0 c\u00e1c r\u1ee7i ro kh\u00e1c.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c hi\u1ec3u \u0111\u01b0\u1ee3c quan \u0111i\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng khi n\u00f3i \u0111\u1ebfn b\u1ea3o hi\u1ec3m sau \u0111\u1ea1i d\u1ecbch. <\/p>\n\n<p>Th\u1eeba nh\u1eadn k\u1ef3 v\u1ecdng c\u1ee7a ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u1ec1 COVID-19 v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m s\u1ebd l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nTrong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, \u0111i\u1ec1u n\u00e0y c\u00f3 th\u1ec3 c\u00f3 ngh\u0129a l\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m cho c\u00e1c \u0111\u1ea1i d\u1ecbch virus; \u1ede nh\u1eefng ng\u01b0\u1eddi kh\u00e1c, n\u00f3 s\u1ebd c\u00f3 ngh\u0129a l\u00e0 gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng v\u1ec1 ch\u00ednh x\u00e1c nh\u1eefng lo\u1ea1i t\u00ecnh hu\u1ed1ng \u0111\u1ea1i d\u1ecbch m\u00e0 ch\u00ednh s\u00e1ch c\u1ee7a h\u1ecd bao g\u1ed3m ho\u1eb7c kh\u00f4ng bao g\u1ed3m. <\/p>\n\n<p>Tuy nhi\u00ean, nh\u00ecn chung, b\u1ea3o hi\u1ec3m d\u1ef1 ki\u1ebfn s\u1ebd ph\u1ee5c h\u1ed3i sau \u0111\u1ea1i d\u1ecbch c\u00f9ng v\u1edbi to\u00e0n b\u1ed9 n\u1ec1n kinh t\u1ebf.<\/p>\n\n<p>&#8220;V\u1ecb th\u1ebf v\u1ed1n c\u1ee7a ng\u00e0nh c\u00f3 ngh\u0129a l\u00e0 n\u00f3 s\u1ebd c\u00f3 th\u1ec3 x\u1eed l\u00fd c\u00fa s\u1ed1c COVID-19&#8221;, <a href=\"https:\/\/www.insurancejournal.com\/magazines\/mag-features\/2020\/07\/20\/576043.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Jerome Jean Haegli<\/a>, nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng v\u00e0 gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i Swiss Re Group cho bi\u1ebft.\n&#8220;M\u1ee9c cao h\u01a1n c\u1ee7a ph\u1ea1m vi \u01b0\u1edbc t\u00ednh t\u1ed5ng t\u00e0i s\u1ea3n v\u00e0 y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng th\u01b0\u01a1ng vong theo h\u1ea7u h\u1ebft c\u00e1c ph\u00e2n t\u00edch b\u1ea3o hi\u1ec3m b\u00ean ngo\u00e0i l\u00e0 100 t\u1ef7 USD, t\u01b0\u01a1ng t\u1ef1 nh\u01b0 thi\u1ec7t h\u1ea1i do c\u01a1n b\u00e3o Harvey, Irma v\u00e0 Maria g\u00e2y ra v\u00e0o n\u0103m 2017, m\u00e0 ng\u00e0nh c\u00f4ng nghi\u1ec7p c\u0169ng h\u1ea5p th\u1ee5.&#8221; <\/p>\n\n<p>M\u1ed9t v\u00ed d\u1ee5 v\u1ec1 s\u1ef1 ph\u1ee5c h\u1ed3i l\u00e0 s\u1ef1 quan t\u00e2m \u0111\u1ebfn du l\u1ecbch \u0111\u00e3 t\u0103ng l\u00ean v\u00e0o \u0111\u1ea7u n\u0103m 2021.\nTuy nhi\u00ean, kh\u00e1ch du l\u1ecbch \u0111\u00e3 mua b\u1ea3o hi\u1ec3m du l\u1ecbch c\u1ea7n \u0111\u1ecdc k\u1ef9 ch\u00ednh s\u00e1ch c\u1ee7a h\u1ecd \u0111\u1ec3 x\u00e1c \u0111\u1ecbnh xem n\u00f3 c\u00f3 bao g\u1ed3m COVID-19 hay kh\u00f4ng, <a href=\"https:\/\/www.freep.com\/story\/money\/personal-finance\/susan-tompor\/2020\/12\/03\/travel-insurance-might-cover-covid-cancellation\/6462765002\/\" target=\"_blank\" rel=\"noreferrer noopener\">Carmen Balber<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i C\u01a1 quan gi\u00e1m s\u00e1t ng\u01b0\u1eddi ti\u00eau d\u00f9ng cho bi\u1ebft. <\/p>\n\n<p>&#8220;C\u1ea3nh b\u00e1o s\u1ed1 1 cho b\u1ea5t k\u1ef3 giao d\u1ecbch mua b\u1ea3o hi\u1ec3m du l\u1ecbch n\u00e0o l\u00e0 \u0111\u1ecdc b\u1ea3n in \u0111\u1eb9p&#8221;, Balber n\u00f3i.\n&#8220;N\u00f3 r\u1ea5t quan tr\u1ecdng trong b\u1ea3o hi\u1ec3m du l\u1ecbch v\u00ec kh\u00f4ng c\u00f3 ch\u00ednh s\u00e1ch ti\u00eau chu\u1ea9n.&#8221;\nNgay c\u1ea3 trong c\u00e1c l\u0129nh v\u1ef1c c\u00f3 ch\u00ednh s\u00e1ch ti\u00eau chu\u1ea9n, nh\u01b0 b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 y\u00eau c\u1ea7u tr\u1ee3 gi\u00fap th\u00eam t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd \u0111\u1ec3 hi\u1ec3u nh\u1eefng r\u1ee7i ro n\u00e0o \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 trong nh\u1eefng \u0111i\u1ec1u ki\u1ec7n n\u00e0o.  <\/p>\n\n<p>Gi\u1ea3i quy\u1ebft c\u00e1c th\u1ecb tr\u01b0\u1eddng kh\u00f3 kh\u0103n c\u0169ng s\u1ebd \u0111\u00f2i h\u1ecfi s\u1ef1 ch\u00fa \u00fd c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m trong n\u0103m t\u1edbi, <a href=\"https:\/\/www.law.com\/dailybusinessreview\/2020\/07\/24\/difficult-business-insurance-market-meets-covid-19\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gary Reshefsky v\u00e0 David Josefsberg<\/a> c\u1ee7a Century Risk Advisors cho bi\u1ebft.\nT\u1ef7 l\u1ec7 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 th\u01b0\u01a1ng m\u1ea1i ti\u1ebfp t\u1ee5c t\u0103ng, c\u0169ng nh\u01b0 t\u1ef7 l\u1ec7 cho c\u00e1c doanh nghi\u1ec7p c\u00f3 ph\u01a1i nhi\u1ec5m duy nh\u1ea5t trong m\u1ed9t \u0111\u1ea1i d\u1ecbch virus, nh\u01b0 c\u00e1c c\u01a1 s\u1edf ch\u0103m s\u00f3c ng\u01b0\u1eddi cao tu\u1ed5i. <\/p>\n\n<p>Theo m\u1ed9t <a href=\"https:\/\/www.willistowerswatson.com\/en-US\/Insights\/2020\/11\/insurance-marketplace-realities-2021-senior-living-and-long-term-care\" target=\"_blank\" rel=\"noreferrer noopener\">nghi\u00ean c\u1ee9u<\/a> c\u1ee7a Willis Towers Watson, t\u1ef7 l\u1ec7 ch\u0103m s\u00f3c th\u01b0\u01a1ng m\u1ea1i c\u1ee7a c\u00e1c c\u01a1 s\u1edf ch\u0103m s\u00f3c ng\u01b0\u1eddi cao tu\u1ed5i d\u1ef1 ki\u1ebfn s\u1ebd t\u0103ng t\u1edbi 50% ho\u1eb7c h\u01a1n \u1edf m\u1ed9t s\u1ed1 khu v\u1ef1c.\nM\u1ee9c t\u0103ng cao nh\u1ea5t \u0111\u01b0\u1ee3c d\u1ef1 ki\u1ebfn trong tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd n\u00f3i chung v\u00e0 ngh\u1ec1 nghi\u1ec7p, nh\u01b0ng t\u1ef7 l\u1ec7 t\u00e0i s\u1ea3n d\u1ef1 ki\u1ebfn c\u0169ng s\u1ebd t\u0103ng.\nNgay c\u1ea3 b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng c\u0169ng c\u00f3 th\u1ec3 th\u1ea5y ph\u00ed b\u1ea3o hi\u1ec3m t\u0103ng nh\u1eb9.  <\/p>\n\n<p>M\u1ed9t s\u1ed1 d\u1ef1 \u0111o\u00e1n ban \u0111\u1ea7u v\u1ec1 di\u1ec5n bi\u1ebfn c\u1ee7a \u0111\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 tr\u1edf th\u00e0nh s\u1ef1 th\u1eadt; nh\u1eefng ng\u01b0\u1eddi kh\u00e1c \u0111\u00e3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh khi c\u00e1c s\u1ef1 ki\u1ec7n ph\u00e1t tri\u1ec3n.\nM\u1eb7c d\u00f9 COVID-19 v\u1eabn l\u00e0 m\u1ed9t c\u00e2n nh\u1eafc h\u00e0ng ng\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&amp;C hi\u1ec7n c\u00f3 \u0111\u1ee7 th\u00f4ng tin \u0111\u1ec3 \u0111\u00e1nh gi\u00e1 ph\u1ea3n \u1ee9ng s\u1edbm n\u00e0o c\u1ee7a h\u1ecd \u0111\u1ed1i v\u1edbi \u0111\u1ea1i d\u1ecbch mang l\u1ea1i l\u1ee3i \u00edch cho m\u1ee5c ti\u00eau kinh doanh c\u1ee7a h\u1ecd v\u00e0 c\u00f3 th\u1ec3 y\u00eau c\u1ea7u \u0111\u00e1nh gi\u00e1 th\u00eam khi n\u1ed7 l\u1ef1c ki\u1ec1m ch\u1ebf vi-r\u00fat \u0111\u01b0\u1ee3c ti\u1ebfn h\u00e0nh. <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: stylephotographs\/\u00a9123RF.com, Alexey Zatevahin\/\u00a9123RF.com, Alessandro Biascioli\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ng\u01b0\u1eddi d\u00e2n \u1edf M\u1ef9 v\u00e0 nhi\u1ec1u qu\u1ed1c gia kh\u00e1c ti\u1ebfp t\u1ee5c s\u1ed1ng chung v\u1edbi COVID-19 nh\u01b0 m\u1ed9t th\u1ef1c t\u1ebf h\u00e0ng ng\u00e0y. Tuy nhi\u00ean, m\u1ed9t n\u0103m sau \u0111\u1ea1i d\u1ecbch, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u00e1nh gi\u00e1 d\u1ef1 \u0111o\u00e1n ban \u0111\u1ea7u n\u00e0o c\u1ee7a ch\u00fang ta \u0111\u00e3 \u0111\u01b0\u1ee3c hi\u1ec7n th\u1ef1c h\u00f3a. H\u1ecd c\u0169ng c\u00f3 th\u1ec3 b\u1eaft [&hellip;]<\/p>\n","protected":false},"featured_media":9525,"template":"","insight-category":[],"class_list":["post-19436","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19436","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\/9525"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19436"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19436"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}