{"id":20015,"date":"2024-09-20T14:52:10","date_gmt":"2024-09-20T19:52:10","guid":{"rendered":"https:\/\/bolttech.io\/insights\/lam-the-nao-cac-cong-ty-bao-hiem-thuong-mai-co-the-cung-cap-bao-hiem-ket-hop-ma-nguoi-lao-dong-hop-dong-bieu-dien-can\/"},"modified":"2024-09-20T14:52:25","modified_gmt":"2024-09-20T19:52:25","slug":"lam-the-nao-cac-cong-ty-bao-hiem-thuong-mai-co-the-cung-cap-bao-hiem-ket-hop-ma-nguoi-lao-dong-hop-dong-bieu-dien-can","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-the-nao-cac-cong-ty-bao-hiem-thuong-mai-co-the-cung-cap-bao-hiem-ket-hop-ma-nguoi-lao-dong-hop-dong-bieu-dien-can\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m k\u1ebft h\u1ee3p m\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng bi\u1ec3u di\u1ec5n c\u1ea7n"},"content":{"rendered":"\n

S\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 li\u00ean k\u1ebft nh\u1eefng ng\u01b0\u1eddi c\u1ea7n d\u1ecbch v\u1ee5 v\u1edbi nh\u1eefng ng\u01b0\u1eddi cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u00f3 \u0111\u00e3 bi\u1ebfn \u0111\u1ed5i m\u1ed9t l\u0129nh v\u1ef1c l\u1edbn c\u1ee7a n\u1ec1n kinh t\u1ebf Hoa K\u1ef3.\nNg\u00e0y nay, nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 c\u00f3 quy\u1ec1n t\u1ef1 do nh\u1eadn b\u1ea5t k\u1ef3 c\u00f4ng vi\u1ec7c n\u00e0o h\u1ecd th\u00edch t\u1eeb c\u00e1c n\u1ec1n t\u1ea3ng n\u00e0y, nh\u01b0ng \u0111\u1ed5i l\u1ea1i h\u1ecd ph\u1ea3i ch\u1ecbu g\u00e1nh n\u1eb7ng v\u1ec1 c\u01a1 b\u1ea3n \u0111i\u1ec1u h\u00e0nh doanh nghi\u1ec7p c\u1ee7a ri\u00eang m\u00ecnh – v\u00e0 t\u1ef1 ch\u1ecbu r\u1ee7i ro. <\/p>\n\n

Vi\u1ec7c ng\u1eebng ho\u1ea1t \u0111\u1ed9ng do COVID-19 th\u1eadm ch\u00ed c\u00f2n chuy\u1ec3n nhi\u1ec1u ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u01a1n v\u00e0o c\u00e1c v\u1ecb tr\u00ed t\u1eeb xa, t\u1ef1 do, h\u1ee3p \u0111\u1ed3ng ho\u1eb7c h\u1ee3p \u0111\u1ed3ng bi\u1ec3u di\u1ec5n, trong \u0111\u00f3 cu\u1ed9c s\u1ed1ng c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd tr\u1edf n\u00ean xen k\u1ebd v\u1edbi cu\u1ed9c s\u1ed1ng kinh doanh c\u1ee7a h\u1ecd.\nDo \u0111\u00f3, d\u00e2n s\u1ed1 n\u00e0y th\u01b0\u1eddng c\u00f3 nh\u1eefng nhu c\u1ea7u kh\u00f4ng \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng b\u1edfi c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng vong truy\u1ec1n th\u1ed1ng ho\u1eb7c c\u00e1c s\u1ea3n ph\u1ea9m th\u01b0\u01a1ng m\u1ea1i truy\u1ec1n th\u1ed1ng. <\/p>\n\n

\u0110\u1ec3 ti\u1ebfp c\u1eadn nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y v\u00e0 gi\u00fap h\u1ecd qu\u1ea3n l\u00fd r\u1ee7i ro, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i th\u00edch \u1ee9ng v\u1edbi c\u00e1c m\u00f4 h\u00ecnh thay \u0111\u1ed5i c\u1ee7a c\u00f4ng vi\u1ec7c v\u00e0 r\u1ee7i ro t\u1ea1o th\u00e0nh th\u1ef1c t\u1ebf h\u00e0ng ng\u00e0y cho h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi lao \u0111\u1ed9ng.<\/p>\n\n

N\u1ec1n kinh t\u1ebf Gig v\u00e0 COVID-19: \u0110i\u1ec1u g\u00ec \u0111ang thay \u0111\u1ed5i?<\/h2>\n\n

N\u1ec1n kinh t\u1ebf gig ng\u00e0y nay c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111\u1ecbnh ngh\u0129a l\u00e0 “xu h\u01b0\u1edbng r\u1ed9ng l\u1edbn \u0111\u1ed1i v\u1edbi vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c nh\u00e0 th\u1ea7u t\u1ef1 do tr\u00ean c\u01a1 s\u1edf ng\u1eafn h\u1ea1n, nh\u1eefng ng\u01b0\u1eddi th\u01b0\u1eddng \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i v\u1edbi c\u00e1c nh\u00e0 th\u1ea7u th\u00f4ng qua c\u00e1c n\u1ec1n t\u1ea3ng di \u0111\u1ed9ng”, Elaine Yerby v\u00e0 Rebecca Page-Tickell<\/a>, \u0111\u1ed3ng bi\u00ean t\u1eadp c\u1ee7a cu\u1ed1n s\u00e1ch “Xung \u0111\u1ed9t v\u00e0 thay \u0111\u1ed5i ranh gi\u1edbi trong n\u1ec1n kinh t\u1ebf bi\u1ec3u di\u1ec5n: Ph\u00e2n t\u00edch li\u00ean ng\u00e0nh”.<\/p>\n\n

V\u00e0o n\u0103m 2017, n\u1ec1n t\u1ea3ng l\u00e0m vi\u1ec7c t\u1ef1 do Upwork<\/a> \u01b0\u1edbc t\u00ednh r\u1eb1ng n\u1ec1n kinh t\u1ebf M\u1ef9 s\u1ebd m\u1ea5t m\u01b0\u1eddi n\u0103m, ho\u1eb7c cho \u0111\u1ebfn n\u0103m 2027, \u0111\u1ec3 \u0111\u1ea1t \u0111\u1ebfn \u0111i\u1ec3m m\u00e0 50% tr\u1edf l\u00ean ng\u01b0\u1eddi lao \u0111\u1ed9ng M\u1ef9 s\u1ebd l\u00e0 c\u00f4ng nh\u00e2n n\u1ec1n kinh t\u1ebf h\u1ee3p \u0111\u1ed3ng.\nTuy nhi\u00ean, s\u1ef1 chuy\u1ec3n \u0111\u1ed5i c\u1ee7a COVID-19 sang th\u1ebf gi\u1edbi l\u00e0m vi\u1ec7c t\u1eeb xa v\u00e0 m\u1ea5t vi\u1ec7c l\u00e0m c\u00f3 th\u1ec3 \u0111\u00e3 \u0111\u1ea9y nhanh xu h\u01b0\u1edbng n\u00e0y b\u1eb1ng c\u00e1ch chuy\u1ec3n nhi\u1ec1u ng\u01b0\u1eddi h\u01a1n v\u00e0o n\u1ec1n kinh t\u1ebf bi\u1ec3u di\u1ec5n. <\/p>\n\n

N\u1ec1n kinh t\u1ebf bi\u1ec3u di\u1ec5n \u0111\u00e3 c\u1ea5t c\u00e1nh sau cu\u1ed9c suy tho\u00e1i n\u0103m 2008.\nV\u00e0o th\u1eddi \u0111i\u1ec3m \u0111\u00f3, n\u00f3 d\u01b0\u1eddng nh\u01b0 l\u00e0 m\u1ed9t xu h\u01b0\u1edbng.\nTuy nhi\u00ean, h\u01a1n m\u1ed9t th\u1eadp k\u1ef7 sau, m\u00f4 h\u00ecnh kinh t\u1ebf bi\u1ec3u di\u1ec5n ng\u00e0y c\u00e0ng tr\u1edf th\u00e0nh chu\u1ea9n m\u1ef1c.\nNgay c\u1ea3 nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng v\u1eabn l\u00e0m vi\u1ec7c th\u00f4ng th\u01b0\u1eddng c\u0169ng c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng l\u00e0m vi\u1ec7c t\u1ea1i nh\u00e0 v\u00e0 s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n v\u00e0 thi\u1ebft b\u1ecb c\u1ee7a ri\u00eang h\u1ecd \u0111\u1ec3 th\u1ef1c hi\u1ec7n c\u00e1c nhi\u1ec7m v\u1ee5 vi\u1ec7c l\u00e0m, l\u00e0m ph\u1ee9c t\u1ea1p c\u00e1c v\u1ea5n \u0111\u1ec1 r\u1ee7i ro. <\/p>\n\n

“\u0110\u00e3 \u0111\u1ebfn l\u00fac ng\u1eebng suy ngh\u0129 v\u1ec1 n\u1ec1n kinh t\u1ebf t\u1ef1 do nh\u01b0 m\u1ed9t \u00fd t\u01b0\u1edfng m\u1edbi l\u1ea1 v\u00e0 b\u1eaft \u0111\u1ea7u gi\u1ea3i quy\u1ebft th\u1ef1c t\u1ebf r\u1eb1ng \u0111\u00e2y l\u00e0 c\u00e1ch h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi \u1edf \u0111\u1ea5t n\u01b0\u1edbc n\u00e0y ki\u1ebfm \u0111\u01b0\u1ee3c m\u1ed9t ph\u1ea7n ho\u1eb7c t\u1ea5t c\u1ea3 cu\u1ed9c s\u1ed1ng c\u1ee7a h\u1ecd. \u0110\u00f3 l\u00e0 l\u00fd do t\u1ea1i sao t\u00f4i th\u00edch g\u1ecdi n\u00f3 l\u00e0 n\u1ec1n kinh t\u1ebf t\u1ef1 do ho\u1eb7c \u0111\u1ed9c l\u1eadp”, Leah Solivan<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp TaskRabbit vi\u1ebft.<\/p>\n\n

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

B\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng v\u1eabn ch\u01b0a ch\u1eafc ch\u1eafn<\/h2>\n\n

Gig work \u0111\u1ea1i di\u1ec7n cho m\u1ed9t m\u00f4 h\u00ecnh l\u00e0m vi\u1ec7c m\u1edbi, t\u00e1ch bi\u1ec7t theo nhi\u1ec1u c\u00e1ch so v\u1edbi m\u00f4 h\u00ecnh ch\u1ee7 lao \u0111\u1ed9ng-nh\u00e2n vi\u00ean truy\u1ec1n th\u1ed1ng.\nDo \u0111\u00f3, n\u00f3 \u0111\u1eb7t ra c\u1ea3 r\u1ee7i ro m\u1edbi v\u00e0 c\u00e2u h\u1ecfi m\u1edbi v\u1ec1 c\u00e1ch gi\u1ea3i quy\u1ebft \u0111\u1ea7y \u0111\u1ee7 nh\u1eefng r\u1ee7i ro \u0111\u00f3. <\/p>\n\n

R\u1ee7i ro t\u00e0i ch\u00ednh v\u00e0 c\u00e1 nh\u00e2n \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng<\/h3>\n\n

Nh\u00e2n vi\u00ean l\u00e0m vi\u1ec7c t\u1ef1 do v\u00e0 kinh t\u1ebf h\u1ee3p \u0111\u1ed3ng l\u00e0 m\u1ed9t trong nh\u1eefng ng\u01b0\u1eddi b\u1ecb \u1ea3nh h\u01b0\u1edfng n\u1eb7ng n\u1ec1 nh\u1ea5t b\u1edfi coronavirus m\u1edbi v\u00e0 vi\u1ec7c \u0111\u00f3ng c\u1eeda m\u00e0 n\u00f3 g\u00e2y ra.<\/p>\n\n

“G\u1ea7n 70% ng\u01b0\u1eddi lao \u0111\u1ed9ng gig cho bi\u1ebft h\u1ecd hi\u1ec7n kh\u00f4ng c\u00f3 thu nh\u1eadp v\u00e0 ch\u1ec9 c\u00f3 23% c\u00f3 m\u1ed9t s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m. Trong s\u1ed1 nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng t\u1ef1 do v\u00e0 t\u1ef1 l\u00e0m ch\u1ee7, kho\u1ea3ng 89% hi\u1ec7n \u0111ang t\u00ecm ki\u1ebfm m\u1ed9t ngu\u1ed3n thu nh\u1eadp m\u1edbi”, Josephine Moulds<\/a> vi\u1ebft t\u1ea1i Di\u1ec5n \u0111\u00e0n Kinh t\u1ebf Th\u1ebf gi\u1edbi.<\/p>\n\n

M\u1ed9t s\u1ed1 lo\u1ea1i c\u00f4ng vi\u1ec7c h\u1ee3p \u0111\u1ed3ng \u0111\u00e3 b\u1ecb ch\u1eadm l\u1ea1i \u0111\u00e1ng k\u1ec3 do ng\u1eebng ho\u1ea1t \u0111\u1ed9ng li\u00ean quan \u0111\u1ebfn coronavirus, trong khi nh\u1eefng lo\u1ea1i kh\u00e1c nh\u1eadn th\u1ea5y h\u1ecd kh\u00f4ng th\u1ec3 thu h\u00fat \u0111\u1ee7 c\u00f4ng nh\u00e2n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u.\nC\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 Lyft v\u00e0 Uber cung c\u1ea5p d\u1ecbch v\u1ee5 chia s\u1ebb chuy\u1ebfn \u0111i \u0111\u00e3 ch\u1ee9ng ki\u1ebfn ho\u1ea1t \u0111\u1ed9ng kinh doanh c\u1ea1n ki\u1ec7t, trong khi c\u00e1c n\u1ec1n t\u1ea3ng giao \u0111\u1ed3 \u0103n nh\u01b0 Doordash v\u00e0 Instacart ch\u1ee9ng ki\u1ebfn s\u1ef1 gia t\u0103ng l\u1edbn v\u1ec1 nhu c\u1ea7u, Jillian Slyfield<\/a>, l\u00e3nh \u0111\u1ea1o th\u1ef1c h\u00e0nh kinh t\u1ebf k\u1ef9 thu\u1eadt s\u1ed1 t\u1ea1i Aon cho bi\u1ebft. <\/p>\n\n

C\u00e1c n\u1ec1n t\u1ea3ng Gig tung h\u1ee9ng ba m\u1ed1i quan t\u00e2m ch\u00ednh, Slyfield l\u01b0u \u00fd.\nH\u1ecd c\u1ea7n thu h\u00fat kh\u00e1ch h\u00e0ng, duy tr\u00ec ngu\u1ed3n cung lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 b\u1ea3o v\u1ec7 to\u00e0n b\u1ed9 doanh nghi\u1ec7p.\n\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u00e1c m\u1ed1i quan t\u00e2m li\u00ean quan \u0111\u1ebfn vi\u1ec7c cung c\u1ea5p b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i cho n\u1ec1n kinh t\u1ebf gig v\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng t\u1ef1 do c\u0169ng r\u1ed9ng t\u01b0\u01a1ng t\u1ef1, \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn kh\u00f4ng ch\u1ec9 ng\u01b0\u1eddi lao \u0111\u1ed9ng m\u00e0 c\u1ea3 nh\u1eefng ng\u01b0\u1eddi m\u00e0 h\u1ecd c\u00f3 th\u1ec3 ti\u1ebfp x\u00fac. <\/p>\n\n

S\u1ef1 \u0111a d\u1ea1ng c\u1ee7a c\u00e1c h\u1ee3p \u0111\u1ed3ng bi\u1ec3u di\u1ec5n c\u0169ng c\u00f3 ngh\u0129a l\u00e0 s\u1ef1 \u0111a d\u1ea1ng v\u1ec1 r\u1ee7i ro<\/h3>\n\n

Trong khi nhi\u1ec1u ng\u01b0\u1eddi ngh\u0129 v\u1ec1 c\u00e1c d\u1ecbch v\u1ee5 nh\u01b0 \u0111i chung xe ho\u1eb7c giao \u0111\u1ed3 \u0103n khi h\u1ecd ngh\u0129 v\u1ec1 n\u1ec1n kinh t\u1ebf bi\u1ec3u di\u1ec5n, m\u00f4 h\u00ecnh kinh t\u1ebf bi\u1ec3u di\u1ec5n \u0111\u00e3 lan r\u1ed9ng sang m\u1ed9t lo\u1ea1t c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p, Yerby v\u00e0 Page-Tickell n\u00f3i.\nVi\u1ec7c h\u1ee3p \u0111\u1ed3ng bi\u1ec3u di\u1ec5n c\u1ee7a c\u00e1c ng\u00e0nh c\u00f4ng nghi\u1ec7p \u0111a d\u1ea1ng c\u00f3 ngh\u0129a l\u00e0 r\u1ee7i ro \u0111a d\u1ea1ng c\u0169ng ph\u00e1t sinh \u0111\u1ed1i v\u1edbi ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng, t\u00f9y thu\u1ed9c v\u00e0o c\u00f4ng vi\u1ec7c h\u1ecd l\u00e0m. <\/p>\n\n

Ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng c\u00e1 nh\u00e2n c\u0169ng c\u00f3 th\u1ec3 c\u00f3 c\u00e1c m\u00f4 h\u00ecnh r\u1ee7i ro c\u00e1 nh\u00e2n.\nV\u00ed d\u1ee5: m\u1ed9t nh\u00e2n vi\u00ean c\u00f3 th\u1ec3 th\u1ef1c hi\u1ec7n xem x\u00e9t t\u00e0i li\u1ec7u v\u1edbi t\u01b0 c\u00e1ch l\u00e0 nh\u00e0 th\u1ea7u t\u1ea1m th\u1eddi cho m\u1ed9t c\u00f4ng ty lu\u1eadt v\u00e0o bu\u1ed5i s\u00e1ng v\u00e0 v\u1eadn chuy\u1ec3n h\u00e0nh kh\u00e1ch qua n\u1ec1n t\u1ea3ng Uber v\u00e0o bu\u1ed5i chi\u1ec1u. <\/p>\n\n

“M\u1ed7i lo\u1ea1i c\u00e1 nh\u00e2n ho\u1ea1t \u0111\u1ed9ng trong kh\u00f4ng gian n\u00e0y c\u00f3 nh\u1eefng y\u00eau c\u1ea7u kh\u00e1c nhau v\u00e0 th\u1ecb tr\u01b0\u1eddng d\u1ecbch v\u1ee5 c\u00f3 vi\u1ec7c ph\u1ea3i l\u00e0m \u0111\u1ec3 ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c h\u00e0nh vi, \u0111i\u1ec3m \u0111au v\u00e0 m\u1ee5c ti\u00eau c\u1ee7a c\u00e1c nh\u00f3m \u0111a d\u1ea1ng n\u00e0y”, Solivan n\u00f3i.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng c\u00f3 vi\u1ec7c ph\u1ea3i l\u00e0m trong kh\u00f4ng gian n\u00e0y. <\/p>\n\n

Ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi kho\u1ea3ng c\u00e1ch b\u1ea3o hi\u1ec3m trong h\u1ea7u h\u1ebft c\u00e1c l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m.\nV\u00ec h\u1ecd kh\u00f4ng \u0111\u01b0\u1ee3c tuy\u1ec3n d\u1ee5ng th\u00f4ng th\u01b0\u1eddng, h\u1ecd th\u01b0\u1eddng kh\u00f4ng \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ho\u1eb7c s\u1ee9c kh\u1ecfe v\u00e0 h\u1ecd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng trong tr\u01b0\u1eddng h\u1ee3p b\u1ecb th\u01b0\u01a1ng t\u00edch ho\u1eb7c b\u1ec7nh ngh\u1ec1 nghi\u1ec7p t\u1ea1i n\u01a1i l\u00e0m vi\u1ec7c.\nTrong khi \u0111\u00f3, b\u1ea3o hi\u1ec3m nh\u00e0 ri\u00eang ho\u1eb7c b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 kh\u00f4ng bao g\u1ed3m c\u00e1c t\u1ed5n th\u1ea5t x\u1ea3y ra do c\u00f4ng vi\u1ec7c bi\u1ec3u di\u1ec5n c\u1ee7a h\u1ecd, Simona Scattaglia Cartago<\/a>, l\u00e3nh \u0111\u1ea1o tri\u1ec3n khai thay \u0111\u1ed5i k\u1ebf to\u00e1n to\u00e0n c\u1ea7u v\u00e0 c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m to\u00e0n c\u1ea7u t\u1ea1i KPMG \u00dd cho bi\u1ebft. <\/p>\n\n

Nh\u1eefng kho\u1ea3ng tr\u1ed1ng n\u00e0y g\u00e2y r\u1eafc r\u1ed1i cho ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng, nh\u01b0ng ch\u00fang c\u0169ng t\u1ea1o c\u01a1 h\u1ed9i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nB\u1eb1ng c\u00e1ch cung c\u1ea5p th\u00f4ng tin v\u00e0 b\u1ea3o hi\u1ec3m m\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng bi\u1ec3u di\u1ec5n c\u1ea7n, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 ti\u1ebfp c\u1eadn c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng m\u1edbi. <\/p>\n\n

\"Nữ<\/figure>\n\n

Cung c\u1ea5p b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i cho ng\u01b0\u1eddi lao \u0111\u1ed9ng lai \/ h\u1ee3p \u0111\u1ed3ng<\/h2>\n\n

Khi s\u1ed1 l\u01b0\u1ee3ng lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng trong n\u1ec1n kinh t\u1ebf t\u0103ng l\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng c\u1ea7n ph\u1ea3i suy ngh\u0129 l\u1ea1i v\u1ec1 c\u00e1ch h\u1ecd cung c\u1ea5p b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i.\nNh\u1eefng thay \u0111\u1ed5i trong lu\u1eadt ph\u00e1p v\u00e0 quy \u0111\u1ecbnh, c\u0169ng nh\u01b0 \u00e1p l\u1ef1c t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 kh\u00e1m ph\u00e1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a nh\u00e2n vi\u00ean h\u1ee3p \u0111\u1ed3ng, c\u0169ng s\u1ebd \u0111\u1ecbnh h\u00ecnh c\u00f4ng vi\u1ec7c c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

Thay \u0111\u1ed5i l\u1eadp ph\u00e1p s\u1ebd th\u00fac \u0111\u1ea9y thay \u0111\u1ed5i b\u1ea3o hi\u1ec3m?<\/h3>\n\n

M\u1ed9t thay \u0111\u1ed5i \u0111\u00e1ng k\u1ec3 trong ph\u1ea3n \u1ee9ng c\u1ee7a li\u00ean bang \u0111\u1ed1i v\u1edbi COVID-19, so v\u1edbi c\u00e1c ph\u1ea3n \u1ee9ng v\u1edbi c\u00e1c cu\u1ed9c kh\u1ee7ng ho\u1ea3ng tr\u01b0\u1edbc \u0111\u00f3, l\u00e0 vi\u1ec7c m\u1edf r\u1ed9ng tr\u1ee3 c\u1ea5p th\u1ea5t nghi\u1ec7p cho nh\u1eefng ng\u01b0\u1eddi l\u00e0m vi\u1ec7c t\u1ef1 do v\u00e0 ng\u01b0\u1eddi lao \u0111\u1ed9ng trong n\u1ec1n kinh t\u1ebf h\u1ee3p \u0111\u1ed3ng ngo\u00e0i nh\u1eefng ng\u01b0\u1eddi l\u00e0m vi\u1ec7c th\u00f4ng th\u01b0\u1eddng.<\/p>\n\n

M\u1edf r\u1ed9ng nh\u1eefng l\u1ee3i \u00edch n\u00e0y \u0111\u1ea1i di\u1ec7n cho m\u1ed9t s\u1ef1 thay \u0111\u1ed5i l\u1edbn trong c\u00e1ch ch\u00fang ta ngh\u0129 v\u1ec1 c\u00f4ng vi\u1ec7c h\u1ee3p \u0111\u1ed3ng, Alastair Fitzpayne<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a S\u00e1ng ki\u1ebfn T\u01b0\u01a1ng lai Vi\u1ec7c l\u00e0m c\u1ee7a Vi\u1ec7n Aspen cho bi\u1ebft.<\/p>\n\n

Fitzpayne n\u00f3i: “N\u00f3 n\u00e2ng cao nh\u1eadn th\u1ee9c r\u1eb1ng n\u1ebfu b\u1ea1n \u0111\u1ecbnh cung c\u1ea5p tr\u1ee3 c\u1ea5p b\u1ea3o hi\u1ec3m th\u1ea5t nghi\u1ec7p v\u00e0 b\u1ea1n ch\u1ec9 \u00e1p d\u1ee5ng n\u00f3 cho nh\u1eefng ng\u01b0\u1eddi c\u00f3 ch\u1ee7 lao \u0111\u1ed9ng truy\u1ec1n th\u1ed1ng, b\u1ea1n s\u1ebd b\u1ecf qua h\u00e0ng ch\u1ee5c tri\u1ec7u ng\u01b0\u1eddi.<\/p>\n\n

C\u00e1c \u0111\u01a1n v\u1ecb kh\u00e1c nhau c\u1ee7a ch\u00ednh ph\u1ee7 v\u00e0 c\u00e1c c\u01a1 quan qu\u1ea3n l\u00fd c\u0169ng \u0111ang xem x\u00e9t l\u1ea1i t\u00ecnh tr\u1ea1ng c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng trong n\u1ec1n kinh t\u1ebf gig khi n\u00f3i \u0111\u1ebfn ph\u1ea1m vi b\u1ea3o hi\u1ec3m b\u1eb1ng c\u00e1c k\u1ebf ho\u1ea1ch nh\u01b0 b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng.<\/p>\n\n

“To\u00e0n b\u1ed9 n\u1ec1n t\u1ea3ng c\u1ee7a n\u1ec1n kinh t\u1ebf gig, ho\u1eb7c nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng nh\u01b0 ch\u00fang ta ngh\u0129 v\u1ec1 h\u1ecd theo truy\u1ec1n th\u1ed1ng, th\u1ef1c s\u1ef1 \u0111ang c\u00f3 r\u1ea5t nhi\u1ec1u thay \u0111\u1ed5i ngay b\u00e2y gi\u1edd. C\u00f3 r\u1ea5t nhi\u1ec1u thay \u0111\u1ed5i v\u1ec1 \u0111\u1ecbnh ngh\u0129a \u0111ang di\u1ec5n ra v\u00e0 c\u00f3 nh\u1eefng ti\u1ec3u bang \u0111ang c\u1ed1 g\u1eafng gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y m\u1ed9t c\u00e1ch r\u1ea5t b\u00e1n bu\u00f4n”, Matt Zender<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao v\u00e0 gi\u00e1m \u0111\u1ed1c s\u1ea3n ph\u1ea9m b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng t\u1ea1i AmTrust Financial Services cho bi\u1ebft.<\/p>\n\n

Nh\u1eefng thay \u0111\u1ed5i trong vi\u1ec7c ph\u00e2n lo\u1ea1i ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng cho c\u00e1c m\u1ee5c \u0111\u00edch c\u1ee7a lu\u1eadt lao \u0111\u1ed9ng c\u0169ng s\u1ebd thay \u0111\u1ed5i t\u00ednh \u0111\u1ee7 \u0111i\u1ec1u ki\u1ec7n c\u1ee7a h\u1ecd \u0111\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m do ch\u1ee7 lao \u0111\u1ed9ng tr\u1ea3 l\u01b0\u01a1ng, ch\u1eb3ng h\u1ea1n nh\u01b0 b\u1ed3i th\u01b0\u1eddng cho ng\u01b0\u1eddi lao \u0111\u1ed9ng.\nB\u1eb1ng c\u00e1ch c\u1ea3nh gi\u00e1c v\u1edbi nh\u1eefng thay \u0111\u1ed5i n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111i\u1ec1u ch\u1ec9nh c\u00e1c d\u1ecbch v\u1ee5 c\u1ee7a h\u1ecd \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng m\u00e0 kh\u00f4ng c\u1ea7n sao ch\u00e9p ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch kh\u00f4ng c\u1ea7n thi\u1ebft. <\/p>\n\n

M\u1edf r\u1ed9ng nh\u1eefng n\u1ed7 l\u1ef1c ban \u0111\u1ea7u v\u1ec1 b\u1ea3o hi\u1ec3m k\u1ebft h\u1ee3p cho ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng<\/h3>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 b\u1eaft \u0111\u1ea7u th\u1eed nghi\u1ec7m b\u1ea3o hi\u1ec3m cung c\u1ea5p b\u1ea3o hi\u1ec3m cho ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng, ch\u1eb3ng h\u1ea1n nh\u01b0 b\u1ea3o hi\u1ec3m chia s\u1ebb chuy\u1ebfn \u0111i cho nh\u1eefng ng\u01b0\u1eddi s\u1eed d\u1ee5ng ph\u01b0\u01a1ng ti\u1ec7n c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd \u0111\u1ec3 l\u00e0m vi\u1ec7c cho c\u00e1c n\u1ec1n t\u1ea3ng chia s\u1ebb chuy\u1ebfn \u0111i.\nTuy nhi\u00ean, kh\u00f4ng gian l\u00e0m vi\u1ec7c h\u1ee3p \u0111\u1ed3ng cung c\u1ea5p m\u1ed9t s\u1ed1 c\u01a1 h\u1ed9i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1ea1o ra c\u00e1c s\u1ea3n ph\u1ea9m lai gi\u1ea3i quy\u1ebft c\u1ea3 r\u1ee7i ro c\u00e1 nh\u00e2n v\u00e0 kinh doanh cho nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng n\u00e0y, Alicja Grzadkowska<\/a>, bi\u00ean t\u1eadp vi\u00ean tin t\u1ee9c cao c\u1ea5p t\u1ea1i Kinh doanh B\u1ea3o hi\u1ec3m l\u01b0u \u00fd. <\/p>\n\n

Cho \u0111\u1ebfn nay, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng \u0111\u00e3 \u0111i sau c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m trong vi\u1ec7c gi\u1ea3i quy\u1ebft nhu c\u1ea7u c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng trong n\u1ec1n kinh t\u1ebf h\u1ee3p \u0111\u1ed3ng.\nV\u00ed d\u1ee5, n\u1ec1n t\u1ea3ng insurtech c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i V\u01b0\u01a1ng qu\u1ed1c Anh Collective Benefits nh\u1eb1m m\u1ee5c \u0111\u00edch cung c\u1ea5p “c\u00e1c bi\u1ec7n ph\u00e1p b\u1ea3o v\u1ec7 t\u01b0\u01a1ng t\u1ef1 th\u01b0\u1eddng d\u00e0nh cho nh\u00e2n vi\u00ean to\u00e0n th\u1eddi gian”, bao g\u1ed3m b\u1ea3o v\u1ec7 kh\u1ecfi m\u1ed9t s\u1ed1 r\u1ee7i ro v\u00e0 tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd nh\u1ea5t \u0111\u1ecbnh, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 \u0111\u1ed3ng s\u00e1ng l\u1eadp Anthony Beilin<\/a> cho bi\u1ebft. <\/p>\n\n

“Nh\u00e2n vi\u00ean Gig n\u1eb1m ngo\u00e0i th\u1ebf gi\u1edbi b\u1ea3o hi\u1ec3m th\u00f4ng th\u01b0\u1eddng c\u1ee7a c\u00f4ng ty, nh\u01b0ng h\u1ecd v\u1eabn c\u1ea7n b\u1ea3o hi\u1ec3m c\u01a1 b\u1ea3n”, Matt Jackson<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u B\u1eafc M\u1ef9 t\u1ea1i n\u1ec1n t\u1ea3ng s\u1ee9c kh\u1ecfe t\u00e2m th\u1ea7n k\u1ef9 thu\u1eadt s\u1ed1 Unmind cho bi\u1ebft.\nThay v\u00ec ch\u1edd \u0111\u1ee3i c\u00e1c c\u00f4ng ty n\u1ec1n t\u1ea3ng h\u1ee3p \u0111\u1ed3ng bi\u1ec3u di\u1ec5n cung c\u1ea5p nh\u1eefng l\u1ee3i \u00edch \u0111\u00f3 cho ng\u01b0\u1eddi lao \u0111\u1ed9ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft nhu c\u1ea7u ch\u01b0a \u0111\u01b0\u1ee3c \u0111\u00e1p \u1ee9ng n\u00e0y b\u1eb1ng c\u00e1c d\u1ecbch v\u1ee5 linh ho\u1ea1t, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a c\u1ee7a ri\u00eang h\u1ecd. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 thay \u0111\u1ed5i quan \u0111i\u1ec3m c\u1ee7a h\u1ecd v\u1ec1 b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i \u0111\u1ec3 bao g\u1ed3m kh\u00f4ng ch\u1ec9 c\u00e1c doanh nghi\u1ec7p th\u00f4ng th\u01b0\u1eddng, m\u00e0 c\u1ea3 nh\u1eefng ng\u01b0\u1eddi l\u00e0m vi\u1ec7c t\u1ef1 do ho\u1eb7c l\u00e0m vi\u1ec7c trong n\u1ec1n kinh t\u1ebf bi\u1ec3u di\u1ec5n.\nB\u1eb1ng c\u00e1ch \u0111\u00f3, h\u1ecd khai th\u00e1c m\u1ed9t l\u01b0\u1ee3ng l\u1edbn kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng, x\u00e2y d\u1ef1ng l\u00f2ng trung th\u00e0nh b\u1eb1ng c\u00e1ch cung c\u1ea5p ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a m\u00e0 nh\u1eefng nh\u00e2n vi\u00ean n\u00e0y c\u1ea7n. <\/p>\n\n

\u1ea2nh: dolgachov\/\u00a9123RF.com, Aleksandr Davydov\/\u00a9123RF.com.\nKittichai Boonpong \/ \u00a9123RF.com <\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

S\u1ef1 gia t\u0103ng c\u1ee7a c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 li\u00ean k\u1ebft nh\u1eefng ng\u01b0\u1eddi c\u1ea7n d\u1ecbch v\u1ee5 v\u1edbi nh\u1eefng ng\u01b0\u1eddi cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u00f3 \u0111\u00e3 bi\u1ebfn \u0111\u1ed5i m\u1ed9t l\u0129nh v\u1ef1c l\u1edbn c\u1ee7a n\u1ec1n kinh t\u1ebf Hoa K\u1ef3. Ng\u00e0y nay, nh\u1eefng ng\u01b0\u1eddi lao \u0111\u1ed9ng h\u1ee3p \u0111\u1ed3ng c\u00f3 th\u1ec3 c\u00f3 quy\u1ec1n t\u1ef1 do nh\u1eadn b\u1ea5t k\u1ef3 […]<\/p>\n","protected":false},"featured_media":8645,"template":"","insight-category":[],"class_list":["post-20015","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20015","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\/8645"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20015"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20015"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}