{"id":19988,"date":"2024-09-20T14:51:47","date_gmt":"2024-09-20T19:51:47","guid":{"rendered":"https:\/\/bolttech.io\/insights\/doi-voi-dau-tu-insurtech-thuong-mai-nho-su-thay-doi-dang-den\/"},"modified":"2024-09-20T14:51:53","modified_gmt":"2024-09-20T19:51:53","slug":"doi-voi-dau-tu-insurtech-thuong-mai-nho-su-thay-doi-dang-den","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/doi-voi-dau-tu-insurtech-thuong-mai-nho-su-thay-doi-dang-den\/","title":{"rendered":"\u0110\u1ed1i v\u1edbi \u0111\u1ea7u t\u01b0 Insurtech th\u01b0\u01a1ng m\u1ea1i nh\u1ecf, s\u1ef1 thay \u0111\u1ed5i \u0111ang \u0111\u1ebfn"},"content":{"rendered":"\n

\u0110\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech \u0111\u00e3 t\u0103ng l\u00ean h\u00e0ng n\u0103m.\nN\u0103m 2017, t\u1ed5ng gi\u00e1 tr\u1ecb huy \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty insurtech l\u00e0 2,2 t\u1ef7 USD.\nN\u0103m 2018, t\u00e0i tr\u1ee3 \u0111\u00e3 t\u0103ng l\u00ean 4,2 t\u1ef7 \u0111\u00f4 la, theo b\u00e1o c\u00e1o c\u1ee7a Hampleton<\/a> . <\/p>\n\n

\u0110\u1ebfn cu\u1ed1i n\u0103m 2019, c\u00e1c cam k\u1ebft t\u00e0i tr\u1ee3 insurtech h\u00e0ng n\u0103m \u0111\u00e3 \u0111\u1ea1t 6,37 t\u1ef7 \u0111\u00f4 la, t\u01b0\u01a1ng \u0111\u01b0\u01a1ng g\u1ea7n 34% t\u1ed5ng s\u1ed1 m\u1ecdi th\u1eddi \u0111\u1ea1i, theo b\u00e1o c\u00e1o c\u1ee7a Willis Towers Watson<\/a> .<\/p>\n\n

\u0110\u1ebfn nay, ph\u1ea7n l\u1edbn c\u00e1c qu\u1ef9 n\u00e0y \u0111\u00e3 \u0111i v\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o chuy\u1ec3n \u0111\u1ed5i d\u00f2ng c\u00e1 nh\u00e2n.\nTuy nhi\u00ean, kh\u00f4ng gian b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u1ecf mang \u0111\u1ebfn nh\u1eefng c\u01a1 h\u1ed9i t\u01b0\u01a1ng t\u1ef1 cho s\u1ef1 \u0111\u1ed5i m\u1edbi insurtech – nh\u1eefng c\u01a1 h\u1ed9i m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 nh\u00e0 \u0111\u1ea7u t\u01b0 \u0111\u00e3 b\u1eaft \u0111\u1ea7u n\u1eafm b\u1eaft. <\/p>\n\n

\u0110\u1ea7u t\u01b0 Insurtech v\u00e0 Chuy\u1ec3n \u0111\u1ed5i P&C<\/h2>\n\n

Trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, \u0111\u1ea7u t\u01b0 insurtech t\u1eadp trung v\u00e0o ba l\u0129nh v\u1ef1c \u0111\u1ed5i m\u1edbi ch\u00ednh: h\u00ecnh dung l\u1ea1i ho\u1ea1t \u0111\u1ed9ng kinh doanh, chuy\u1ec3n \u0111\u1ed5i s\u1ef1 tham gia c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 nh\u00e2n vi\u00ean v\u00e0 chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1, Sam Friedman v\u00e0 Mark Purowitz<\/a> c\u1ee7a Deloitte cho bi\u1ebft.<\/p>\n\n

C\u1ea3 c\u00e1c nh\u00e0 \u0111\u1ea7u t\u01b0 c\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec1u \u0111ang \u0111\u1ea7u t\u01b0 v\u00e0o insurtech, v\u00e0 m\u1ed9t m\u00f4 h\u00ecnh v\u1ec1 l\u1ee3i \u00edch t\u01b0\u01a1ng \u1ee9ng c\u1ee7a h\u1ecd \u0111\u00e3 b\u1eaft \u0111\u1ea7u xu\u1ea5t hi\u1ec7n, Alex Evans<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i L.E.K. Consulting, vi\u1ebft.\nC\u1ed5 ph\u1ea7n t\u01b0 nh\u00e2n \u0111\u00e3 t\u1eadp trung nhi\u1ec1u h\u01a1n v\u00e0o \u0111\u1ea7u t\u01b0 v\u00e0o ph\u00e2n t\u00edch, trong khi c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m \u0111\u1eb7c bi\u1ec7t quan t\u00e2m \u0111\u1ebfn c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 h\u1ee3p l\u00fd h\u00f3a c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd v\u00e0 n\u00e2ng cao tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1ea7u t\u01b0 v\u00e0 n\u1eafm b\u1eaft quan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft cho s\u1ef1 t\u0103ng tr\u01b0\u1edfng trong t\u01b0\u01a1ng lai \u1edf c\u1ea3 d\u00f2ng c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i.\nQuan h\u1ec7 \u0111\u1ed1i t\u00e1c v\u00e0 \u0111\u1ea7u t\u01b0 s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u1ecbnh h\u00ecnh ng\u00e0nh b\u1ea3o hi\u1ec3m.\nNh\u1eefng thay \u0111\u1ed5i d\u1ef1a tr\u00ean c\u00f4ng ngh\u1ec7 s\u1ebd \u0111\u00e1p \u1ee9ng v\u00e0 \u0111\u1ecbnh h\u00ecnh nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

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

\u0110\u1ea7u t\u01b0 v\u00e0o b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u1ecf<\/h2>\n\n

Cho \u0111\u1ebfn nay, \u0111\u1ea7u t\u01b0 v\u00e0o insurtech th\u01b0\u01a1ng m\u1ea1i nh\u1ecf \u0111\u00e3 t\u1ee5t h\u1eadu so v\u1edbi \u0111\u1ea7u t\u01b0 v\u00e0o insurtech nh\u1eb1m v\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong c\u00e1 nh\u00e2n.\nTuy nhi\u00ean, nh\u1eefng b\u00e0i h\u1ecdc r\u00fat ra t\u1eeb c\u00e1i sau c\u00f3 th\u1ec3 chuy\u1ec3n t\u1ed1t sang c\u00e1i tr\u01b0\u1edbc, \u0111\u1ecbnh v\u1ecb c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u1ecf \u0111\u1ec3 t\u0103ng tr\u01b0\u1edfng nhanh ch\u00f3ng, \u0111\u00e1ng tin c\u1eady. <\/p>\n\n

M\u1ed9t v\u00e0i c\u00f4ng ty insurtech \u0111\u00e3 t\u00ecm th\u1ea5y th\u00e0nh c\u00f4ng ban \u0111\u1ea7u b\u1eb1ng c\u00e1ch t\u1eadp trung v\u00e0o nh\u1eefng \u0111i\u1ec3m so s\u00e1nh n\u00e0y.\nV\u00ed d\u1ee5, trong khi kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00e1 nh\u00e2n v\u00e0 ch\u1ee7 nh\u00e0 \u0111\u00e3 c\u00f3 th\u1ec3 so s\u00e1nh ph\u1ea1m vi b\u1ea3o hi\u1ec3m tr\u1ef1c tuy\u1ebfn trong nhi\u1ec1u n\u0103m, h\u1ecd \u0111\u00e3 kh\u00f4ng th\u1ec3 l\u00e0m t\u01b0\u01a1ng t\u1ef1 \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m doanh nghi\u1ec7p nh\u1ecf. <\/p>\n\n

C\u00f4ng ty kh\u1edfi nghi\u1ec7p Insurtech BusinessComparison \u0111\u00e3 gi\u1ea3i quy\u1ebft kho\u1ea3ng c\u00e1ch n\u00e0y tr\u00ean th\u1ecb tr\u01b0\u1eddng.\nC\u00f4ng ty kh\u1edfi nghi\u1ec7p cho ph\u00e9p c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf \u1edf Anh m\u00f4 t\u1ea3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m h\u1ecd c\u1ea7n, sau \u0111\u00f3 so s\u00e1nh \u0111\u1ec3 c\u00f3 th\u1ecfa thu\u1eadn t\u1ed1t nh\u1ea5t.\nC\u00f4ng ty t\u1eadp trung v\u00e0o vi\u1ec7c t\u1ea1o ra m\u1ed9t tr\u1ea3i nghi\u1ec7m th\u00f4ng tin ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf, ng\u01b0\u1eddi s\u00e1ng l\u1eadp Philip Brennan<\/a> n\u00f3i. <\/p>\n\n

Nhi\u1ec1u h\u1ed1c nh\u01b0 v\u1eady v\u1eabn c\u00f2n \u0111\u01b0\u1ee3c l\u1ea5p \u0111\u1ea7y trong kh\u00f4ng gian th\u01b0\u01a1ng m\u1ea1i nh\u1ecf, nh\u01b0ng ch\u00fang s\u1ebd kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng m\u1edf.\nN\u0103m 2019, m\u1ed9t s\u1ed1 c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech \u0111\u00e3 th\u1ec3 hi\u1ec7n s\u1ef1 quan t\u00e2m \u0111\u1ebfn vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c th\u00e1ch th\u1ee9c trong ph\u1ea1m vi b\u1ea3o hi\u1ec3m doanh nghi\u1ec7p nh\u1ecf, Jeff Goldberg<\/a> vi\u1ebft t\u1ea1i Insurance Innovation Reporter. <\/p>\n\n

M\u1eb7c d\u00f9 m\u1ed9t s\u1ed1 ng\u01b0\u1eddi tham gia insurtech nh\u00ecn th\u1ea5y m\u1ed9t t\u01b0\u01a1ng lai trong \u0111\u00f3 tr\u1ea3i nghi\u1ec7m b\u1ea3o hi\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng l\u00e0 k\u1ef9 thu\u1eadt s\u1ed1 100%, nh\u1eefng ng\u01b0\u1eddi kh\u00e1c cho r\u1eb1ng t\u01b0\u01a1ng lai n\u00e0y s\u1ebd kh\u00f4ng bao gi\u1edd \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n \u0111\u1ea7y \u0111\u1ee7.\nTrong khi m\u1ed9t s\u1ed1 b\u01b0\u1edbc c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c t\u1ef1 \u0111\u1ed9ng h\u00f3a, nh\u1eefng b\u01b0\u1edbc kh\u00e1c s\u1ebd lu\u00f4n y\u00eau c\u1ea7u s\u1ef1 can thi\u1ec7p c\u1ee7a con ng\u01b0\u1eddi – m\u1ed9t m\u1ed1i quan h\u1ec7 l\u00e0m vi\u1ec7c l\u00e0nh m\u1ea1nh gi\u1eefa con ng\u01b0\u1eddi v\u00e0 m\u00e1y m\u00f3c. <\/p>\n\n

“\u0110i\u1ec1u c\u1ea7n thi\u1ebft l\u00e0 c\u00e1c c\u01a1 ch\u1ebf t\u1ef1 \u0111\u1ed9ng c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh khi n\u00e0o m\u1ed9t t\u00ecnh hu\u1ed1ng c\u1ea7n s\u1ef1 can thi\u1ec7p c\u1ee7a con ng\u01b0\u1eddi, l\u00e0m cho vi\u1ec7c qu\u1ea3n l\u00fd hi\u1ec7u qu\u1ea3 s\u1ef1 t\u01b0\u01a1ng t\u00e1c gi\u1eefa ng\u01b0\u1eddi x\u1eed l\u00fd v\u00e0 m\u00e1y m\u00f3c tr\u1edf th\u00e0nh m\u1ed9t c\u00e2n nh\u1eafc quan tr\u1ecdng”, Tom Helm<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u t\u01b0 v\u1ea5n khi\u1ebfu n\u1ea1i t\u1ea1i Willis Towers Watson n\u00f3i.<\/p>\n\n

\u0110i\u1ec1u g\u00ec ti\u1ebfp theo cho b\u1ea3o hi\u1ec3m kinh doanh v\u00e0 Insurtech?<\/h2>\n\n

M\u1eb7c d\u00f9 t\u1eadp trung v\u00e0o kinh doanh, tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng v\u00e0 chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft cho s\u1ef1 th\u00e0nh c\u00f4ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, nh\u01b0ng ch\u00fang c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u1ee7 \u0111\u1ec3 \u0111\u1ed5i m\u1edbi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u00e0nh m\u1ed9t v\u1ecb tr\u00ed c\u00f3 s\u1ee9c m\u1ea1nh l\u00e2u d\u00e0i, Friedman v\u00e0 Purowitz t\u1ea1i Deloitte n\u00f3i.<\/p>\n\n

“H\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang d\u00e0nh g\u1ea7n nh\u01b0 t\u1ea5t c\u1ea3 s\u1ef1 ch\u00fa \u00fd v\u00e0 ngu\u1ed3n l\u1ef1c c\u1ee7a h\u1ecd \u0111\u1ec3 duy tr\u00ec ho\u1eb7c n\u00e2ng cao hi\u1ec7n tr\u1ea1ng thay v\u00ec ph\u00e2n bi\u1ec7t \u0111\u1ec1 xu\u1ea5t gi\u00e1 tr\u1ecb c\u1ee7a h\u1ecd trong m\u1ed9t th\u1eddi gian d\u00e0i”, h\u1ecd gi\u1ea3i th\u00edch.\nTuy nhi\u00ean, c\u1ea3 hai c\u00e1ch ti\u1ebfp c\u1eadn \u0111\u1ec1u c\u1ea7n thi\u1ebft cho s\u1ef1 th\u00e0nh c\u00f4ng kinh doanh b\u1ec1n v\u1eefng. <\/p>\n\n

Nh\u1eefng \u0111\u1ed5i m\u1edbi c\u1ee7a Insurtech t\u1eadp trung v\u00e0o vi\u1ec7c c\u1ea3i thi\u1ec7n c\u00f4ng vi\u1ec7c h\u00e0ng ng\u00e0y c\u1ee7a b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng mang l\u1ea1i l\u1ee3i \u00edch k\u00e9p cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n

“Ng\u00e0nh P&C \u0111ang b\u1ecb v\u01b0\u1ee3t xa v\u1ec1 t\u1ed5ng n\u0103ng su\u1ea5t theo c\u00e1c l\u0129nh v\u1ef1c t\u1eeb \u00f4 t\u00f4, vi\u1ec5n th\u00f4ng \u0111\u1ebfn ng\u00e2n h\u00e0ng. Tr\u01b0\u1edbc nh\u1eefng ti\u1ebfn b\u1ed9 hi\u1ec7n t\u1ea1i v\u00e0 m\u1edbi n\u1ed5i trong fintech v\u00e0 ph\u00e2n ph\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1, m\u00f4 h\u00ecnh ho\u1ea1t \u0111\u1ed9ng hi\u1ec7n t\u1ea1i c\u1ee7a ng\u00e0nh P&C ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c v\u00e0 r\u1ee7i ro m\u1ea5t \u0111i s\u1ef1 li\u00ean quan \u0111\u1ebfn kinh t\u1ebf”, Sylvain Johansson<\/a> v\u00e0 c\u00e1c \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i McKinsey vi\u1ebft.<\/p>\n\n

Insurtech cung c\u1ea5p m\u1ed9t c\u01a1 h\u1ed9i duy nh\u1ea5t cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 c\u1ea1nh tranh kh\u00f4ng ch\u1ec9 v\u1edbi nhau, m\u00e0 c\u00f2n cho t\u00e0i n\u0103ng trong c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p.\nKh\u00f4ng gi\u1ed1ng nh\u01b0 nhi\u1ec1u ng\u00e0nh c\u00f4ng nghi\u1ec7p kh\u00e1c, trong \u0111\u00f3 \u0111\u1ed5i m\u1edbi k\u1ef9 thu\u1eadt s\u1ed1 t\u00ecm c\u00e1ch thay th\u1ebf c\u00e1c ph\u01b0\u01a1ng th\u1ee9c kinh doanh truy\u1ec1n th\u1ed1ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng mong mu\u1ed1n h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 th\u00e0nh l\u1eadp c\u0169ng nh\u01b0 c\u1ea1nh tranh v\u1edbi h\u1ecd, Paul Lubbers<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao v\u1ec1 c\u00e1c gi\u1ea3i ph\u00e1p c\u00f4ng nghi\u1ec7p t\u1ea1i Gallagher Bassett cho bi\u1ebft. <\/p>\n\n

“Nghi\u00ean c\u1ee9u g\u1ea7n \u0111\u00e2y c\u1ee7a McKinsey ch\u1ec9 ra r\u1eb1ng 61% c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c kh\u1ea3o s\u00e1t t\u00ecm c\u00e1ch trao quy\u1ec1n cho chu\u1ed7i gi\u00e1 tr\u1ecb hi\u1ec7n c\u00f3 cho c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i \u0111\u01b0\u01a1ng nhi\u1ec7m, t\u1eeb ph\u00e2n ph\u1ed1i v\u00e0 ph\u00e2n ph\u1ed1i s\u1ea3n ph\u1ea9m th\u00f4ng qua b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh v\u00e0 khi\u1ebfu n\u1ea1i – kh\u00f4ng l\u00e0m gi\u00e1n \u0111o\u1ea1n vai tr\u00f2 c\u1ee7a c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i k\u1ebf th\u1eeba trong kh\u00f4ng gian”, \u00f4ng vi\u1ebft.<\/p>\n\n

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

T\u1eeb \u0111\u1ea7u t\u01b0 v\u00e0 quan h\u1ec7 \u0111\u1ed1i t\u00e1c \u0111\u1ebfn h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m<\/h2>\n\n

Khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ea7u t\u01b0 v\u00e0 h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty insurtech t\u1eadp trung v\u00e0o c\u00e1c nhi\u1ec7m v\u1ee5 nh\u01b0 ph\u00e2n ph\u1ed1i v\u00e0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh, h\u1ecd c\u00f3 th\u1ec3 t\u00ecm c\u00e1ch h\u1ee3p l\u00fd h\u00f3a c\u00f4ng vi\u1ec7c \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n d\u01b0\u1edbi m\u00e1i nh\u00e0 c\u1ee7a h\u1ecd.<\/p>\n\n

\u0110i\u1ec1u n\u00e0y quay tr\u1edf l\u1ea1i \u0111i\u1ec1u m\u00e0 ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a Halos Insurance Satadru Sengupta<\/a> t\u1eebng n\u00f3i: \u0110\u1eebng ngh\u0129 r\u1eb1ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 b\u1ea3o hi\u1ec3m c\u00f3 m\u1ed1i quan h\u1ec7 kh\u1eafc ph\u1ee5c b\u1ec7nh t\u1eadt.\nThay v\u00e0o \u0111\u00f3, h\u00e3y hi\u1ec3u r\u1eb1ng c\u00e1i sau s\u1ebd t\u00ecm c\u00e1ch h\u00f2a nh\u1eadp v\u00e0o c\u00e1i tr\u01b0\u1edbc. <\/p>\n\n

C\u00e1c c\u00f4ng ty ri\u00eang l\u1ebb \u0111ang t\u00ecm c\u00e1ch t\u1ed1i \u01b0u h\u00f3a c\u00e1c nhi\u1ec7m v\u1ee5 nh\u01b0 b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh v\u00e0 ph\u00e2n ph\u1ed1i.\nSau \u0111\u00f3, vai tr\u00f2 c\u1ee7a nh\u00e0 m\u1ea1ng l\u00e0 mang l\u1ea1i c\u00f4ng ngh\u1ec7 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho nh\u1eefng t\u00edch h\u1ee3p n\u00e0y. <\/p>\n\n

\u0110\u00e2y l\u00e0 l\u00fd do t\u1ea1i sao n\u1ec1n t\u1ea3ng BOLT \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 neo ng\u0103n x\u1ebfp c\u00f4ng ngh\u1ec7 c\u1ee7a nh\u00e0 m\u1ea1ng<\/a>.\n\u0110\u00f3 l\u00e0 ph\u1ea7n m\u1ec1m m\u00e0 c\u00e1c t\u00edch h\u1ee3p c\u1ee7a insurtech c\u1eafm v\u00e0o.\nKhi m\u00f4 h\u00ecnh t\u00edch h\u1ee3p n\u1ec1n t\u1ea3ng \u0111\u00f3 m\u1edf r\u1ed9ng quy m\u00f4, n\u00f3 t\u1ea1o ra to\u00e0n b\u1ed9 h\u1ec7 sinh th\u00e1i c\u1ee7a c\u00e1c doanh nghi\u1ec7p \u0111\u1ed1i t\u00e1c v\u00e0 m\u1ed7i quan h\u1ec7 \u0111\u1ed1i t\u00e1c t\u1ea1o ra hi\u1ec7u qu\u1ea3 gi\u00fap c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 h\u1ee3p l\u00fd h\u00f3a quy tr\u00ecnh l\u00e0m vi\u1ec7c. <\/p>\n\n

Cu\u1ed1i c\u00f9ng, \u0111\u00e2y l\u00e0 m\u00f4 h\u00ecnh s\u1ebd cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp c\u00f3 \u0111\u01b0\u1ee3c nhi\u1ec1u kh\u00e1ch h\u00e0ng h\u01a1n, x\u00e2y d\u1ef1ng l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng, ph\u00e1t tri\u1ec3n ph\u1ea1m vi s\u1ea3n ph\u1ea9m c\u1ee7a h\u1ecd v\u00e0 duy tr\u00ec n\u1ed7 l\u1ef1c c\u1ee7a h\u1ecd trong t\u01b0\u01a1ng lai.<\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: mavoimage\/\u00a9123RF.com, bacho12345\/\u00a9123RF.com, langstrup\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

\u0110\u1ea7u t\u01b0 v\u00e0o c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech \u0111\u00e3 t\u0103ng l\u00ean h\u00e0ng n\u0103m. N\u0103m 2017, t\u1ed5ng gi\u00e1 tr\u1ecb huy \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty insurtech l\u00e0 2,2 t\u1ef7 USD. N\u0103m 2018, t\u00e0i tr\u1ee3 \u0111\u00e3 t\u0103ng l\u00ean 4,2 t\u1ef7 \u0111\u00f4 la, theo b\u00e1o c\u00e1o c\u1ee7a Hampleton . \u0110\u1ebfn cu\u1ed1i n\u0103m 2019, c\u00e1c cam k\u1ebft t\u00e0i […]<\/p>\n","protected":false},"featured_media":8262,"template":"","insight-category":[],"class_list":["post-19988","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/19988","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\/8262"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=19988"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=19988"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}