{"id":20620,"date":"2024-09-27T11:05:33","date_gmt":"2024-09-27T16:05:33","guid":{"rendered":"https:\/\/bolttech.io\/insights\/tang-cuong-dai-ly-voi-mo-hinh-lua-chon-bao-hiem-o-to-gia-dinh-va-thuong-mai-nho\/"},"modified":"2024-09-27T11:05:39","modified_gmt":"2024-09-27T16:05:39","slug":"tang-cuong-dai-ly-voi-mo-hinh-lua-chon-bao-hiem-o-to-gia-dinh-va-thuong-mai-nho","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/tang-cuong-dai-ly-voi-mo-hinh-lua-chon-bao-hiem-o-to-gia-dinh-va-thuong-mai-nho\/","title":{"rendered":"T\u0103ng c\u01b0\u1eddng \u0111\u1ea1i l\u00fd v\u1edbi m\u00f4 h\u00ecnh l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, gia \u0111\u00ecnh v\u00e0 th\u01b0\u01a1ng m\u1ea1i nh\u1ecf"},"content":{"rendered":"\n<p>Ph\u1ea1m vi th\u01b0\u01a1ng m\u1ea1i nh\u1ecf \u0111\u00e3 t\u1ee5t h\u1eadu so v\u1edbi c\u00e1c d\u00f2ng c\u00e1 nh\u00e2n khi n\u00f3i \u0111\u1ebfn chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1.\nTuy nhi\u00ean, k\u1ef3 v\u1ecdng c\u1ee7a c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf v\u1ec1 vi\u1ec7c mua b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00e2n bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i. <\/p>\n\n<p>T\u1eeb quan \u0111i\u1ec3m c\u1ee7a m\u1ed9t doanh nh\u00e2n, b\u1ea3o hi\u1ec3m doanh nghi\u1ec7p nh\u1ecf n\u00ean d\u1ec5 d\u00e0ng \u0111\u1eb7t nh\u01b0 nh\u00e0 c\u00e1 nh\u00e2n ho\u1eb7c b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u1ee7a h\u1ecd, cho d\u00f9 \u0111i\u1ec1u \u0111\u00f3 c\u00f3 ngh\u0129a l\u00e0 ho\u00e0n th\u00e0nh giao d\u1ecbch tr\u1ef1c tuy\u1ebfn ho\u1eb7c g\u1ecdi cho \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd.\n\u0110\u1ed1i v\u1edbi m\u1ed9t s\u1ed1 doanh nghi\u1ec7p nh\u1ecf, n\u00f3 c\u00f3 ngh\u0129a l\u00e0 c\u1ea3 hai. <\/p>\n\n<p>C\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 ph\u00f9 h\u1ee3p c\u00f3 th\u1ec3 gi\u00fap c\u00e1c nh\u00e0 cung c\u1ea5p b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i \u0111\u00e1p \u1ee9ng mong \u0111\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 gi\u1eefa kh\u00e1ch h\u00e0ng, \u0111\u1ea1i l\u00fd v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n<h2 class=\"wp-block-heading\">C\u00e1ch kh\u00e1ch h\u00e0ng mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u00e1 nh\u00e2n v\u00e0 nh\u1ecf<\/h2>\n\n<p>K\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 qu\u00e1 tr\u00ecnh mua b\u1ea3o hi\u1ec3m \u0111\u00e3 thay \u0111\u1ed5i trong v\u00e0i n\u0103m qua.\nKhi ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n \u0111\u00e3 chuy\u1ec3n sang c\u00e1c m\u00f4 h\u00ecnh ch\u1ec9 k\u1ef9 thu\u1eadt s\u1ed1 ho\u1eb7c k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7u ti\u00ean, kh\u00e1ch h\u00e0ng \u0111\u00e3 tr\u1edf n\u00ean c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng h\u00ecnh dung ra m\u1ed9t n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 khi \u0111\u01b0\u1ee3c h\u1ecfi, &#8220;B\u1ea1n s\u1ebd mua b\u1ea3o hi\u1ec3m cho doanh nghi\u1ec7p c\u1ee7a m\u00ecnh nh\u01b0 th\u1ebf n\u00e0o?&#8221; <\/p>\n\n<p>Th\u00f4ng th\u01b0\u1eddng, s\u1ef1 k\u1ebft h\u1ee3p c\u1ee7a vi\u1ec7c mua b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i v\u00e0 c\u00e1 nh\u00e2n nh\u1ecf trong t\u00e2m tr\u00ed c\u1ee7a ch\u1ee7 doanh nghi\u1ec7p \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi l\u1eddi khuy\u00ean ph\u1ed5 bi\u1ebfn \u0111\u01b0\u1ee3c cung c\u1ea5p cho c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf.\nV\u00ed d\u1ee5, trong m\u1ed9t b\u00e0i b\u00e1o c\u1ee7a Forbes v\u00e0o th\u00e1ng 4 n\u0103m 2020, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh ValChoice <a href=\"https:\/\/www.forbes.com\/sites\/forbesbusinesscouncil\/2020\/04\/20\/how-business-owners-can-save-money-on-insurance-during-the-pandemic\/#52ecaf60d534\" target=\"_blank\" rel=\"noreferrer noopener\">Dan Karr<\/a> khuy\u1ebfn ngh\u1ecb c\u00e1c ch\u1ee7 doanh nghi\u1ec7p ti\u1ebft ki\u1ec7m ti\u1ec1n b\u1ea3o hi\u1ec3m trong \u0111\u1ea1i d\u1ecbch COVID-19 b\u1eb1ng c\u00e1ch ki\u1ec3m tra nh\u00e0 ri\u00eang, \u00f4 t\u00f4, b\u1ea3o hi\u1ec3m y t\u1ebf v\u00e0 du l\u1ecbch c\u1ee7a h\u1ecd, ch\u1ee9 kh\u00f4ng ph\u1ea3i b\u1ea3o hi\u1ec3m kinh doanh c\u1ee7a h\u1ecd. <\/p>\n\n<p>S\u1ef1 k\u1ebft h\u1ee3p mua s\u1eafm c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p n\u00e0y c\u00f3 th\u1ec3 g\u00e2y r\u1eafc r\u1ed1i cho c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf.\n\u0110\u00f3 l\u00e0 b\u1edfi v\u00ec h\u1ecd ph\u1ea3i \u0111\u00e1nh gi\u00e1 v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro trong nhi\u1ec1u l\u0129nh v\u1ef1c kh\u00e1c nhau, t\u1eeb thi\u1ec7t h\u1ea1i v\u1eadt ch\u1ea5t \u0111\u1ebfn c\u00e1c t\u00f2a nh\u00e0 ho\u1eb7c thi\u1ebft b\u1ecb \u0111\u1ebfn r\u1ee7i ro t\u1ea5n c\u00f4ng m\u1ea1ng.\nTuy nhi\u00ean, nhi\u1ec1u ng\u01b0\u1eddi kh\u00f4ng bi\u1ebft b\u1eaft \u0111\u1ea7u \u0111\u00e1nh gi\u00e1 nh\u1eefng r\u1ee7i ro n\u00e0y t\u1eeb \u0111\u00e2u, <a href=\"https:\/\/www.smallbusinessconnection.com\/the-value-of-creating-a-great-relationship-with-your-insurance-agent\/\" target=\"_blank\" rel=\"noreferrer noopener\">Loretta Worters<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch t\u1ea1i Vi\u1ec7n Th\u00f4ng tin B\u1ea3o hi\u1ec3m cho bi\u1ebft.  <\/p>\n\n<p>\u1ede \u0111\u00e2y, \u0111\u1ea7u v\u00e0o c\u1ee7a m\u1ed9t \u0111\u1ea1i l\u00fd c\u00f3 th\u1ec3 l\u00e0 v\u00f4 gi\u00e1 \u0111\u1ed1i v\u1edbi doanh nghi\u1ec7p v\u00e0 ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a n\u00f3.\nC\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 gi\u00fap h\u01b0\u1edbng d\u1eabn ch\u1ee7 doanh nghi\u1ec7p \u0111\u1ebfn c\u00e1c \u0111\u1ea1i l\u00fd c\u00f3 chuy\u00ean m\u00f4n v\u00e0 quan \u0111i\u1ec3m h\u1ecd c\u1ea7n \u0111\u1ec3 \u0111\u01b0a ra l\u1ef1a ch\u1ecdn \u0111\u00fang \u0111\u1eafn cho doanh nghi\u1ec7p c\u1ee7a h\u1ecd. <\/p>\n\n<h2 class=\"wp-block-heading\">COVID-19 v\u00e0 s\u1ef1 gia t\u0103ng c\u1ee7a nhu c\u1ea7u k\u1ef9 thu\u1eadt s\u1ed1<\/h2>\n\n<p>\u0110\u1ea1i d\u1ecbch coronavirus c\u00f3 kh\u1ea3 n\u0103ng thay \u0111\u1ed5i v\u0129nh vi\u1ec5n th\u00f3i quen mua s\u1eafm c\u1ee7a m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng, gi\u00e1m \u0111\u1ed1c ti\u1ebfp th\u1ecb k\u1ef9 thu\u1eadt s\u1ed1 <a href=\"https:\/\/news4sanantonio.com\/features\/digital-discoveries\/consumer-behavior-will-change-forever-post-covid-19-will-your-business-be-ready\" target=\"_blank\" rel=\"noreferrer noopener\">Darrin Cheraso<\/a> cho bi\u1ebft.\nKhi c\u00e1c doanh nghi\u1ec7p chuy\u1ec3n sang c\u00e1c m\u00f4 h\u00ecnh ch\u1ec9 tr\u1ef1c tuy\u1ebfn, giao h\u00e0ng ho\u1eb7c nh\u1eadn h\u00e0ng l\u1ec1 \u0111\u01b0\u1eddng, kh\u00e1ch h\u00e0ng \u0111\u00e3 quen v\u1edbi vi\u1ec7c c\u00f3 \u0111\u01b0\u1ee3c nh\u1eefng g\u00ec h\u1ecd c\u1ea7n b\u1eb1ng c\u00e1ch tr\u01b0\u1edbc ti\u00ean \u0111i qua c\u1ed5ng th\u00f4ng tin k\u1ef9 thu\u1eadt s\u1ed1 thay v\u00ec n\u00f3i chuy\u1ec7n tr\u1ef1c ti\u1ebfp v\u1edbi ng\u01b0\u1eddi kh\u00e1c. <\/p>\n\n<p>\u0110\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea1i l\u00fd c\u1ea7n nhi\u1ec1u h\u01a1n m\u1ed9t m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1 m\u1ea1nh m\u1ebd.\nH\u1ecd c\u0169ng c\u1ea7n c\u00f3 kh\u1ea3 n\u0103ng s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 \u0111\u00f3 \u0111\u1ec3 cung c\u1ea5p d\u1ecbch v\u1ee5 theo y\u00eau c\u1ea7u, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a cho kh\u00e1ch h\u00e0ng \u1edf b\u1ea5t k\u1ef3 v\u1ecb tr\u00ed n\u00e0o, b\u1ea5t c\u1ee9 l\u00fac n\u00e0o. <\/p>\n\n<p>&#8220;Ng\u01b0\u1eddi ti\u00eau d\u00f9ng hi\u1ec7n \u0111\u1ea1i (v\u00e0 nh\u00e0 m\u00f4i gi\u1edbi) mong \u0111\u1ee3i m\u1ed9t s\u1ea3n ph\u1ea9m ngay l\u1eadp t\u1ee9c, theo y\u00eau c\u1ea7u. Kh\u00f4ng ph\u1ea3i ng\u00e0y. Kh\u00f4ng ph\u1ea3i gi\u1edd. Kh\u00f4ng ph\u1ea3i v\u00e0i ph\u00fat. Gi\u00e2y&#8221;, <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2019\/12\/30\/553029.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Jay Bregman<\/a> n\u00f3i tr\u00ean T\u1ea1p ch\u00ed B\u1ea3o hi\u1ec3m.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m \u0111\u00f3 cho kh\u00e1ch h\u00e0ng, nh\u00e0 m\u00f4i gi\u1edbi v\u00e0 \u0111\u1ea1i l\u00fd c\u1ee7a ch\u00ednh h\u1ecd s\u1ebd \u0111\u1ea1t \u0111\u01b0\u1ee3c l\u1ee3i th\u1ebf c\u1ea1nh tranh ngay l\u1eadp t\u1ee9c so v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m b\u1ecb t\u1ee5t l\u1ea1i ph\u00eda sau. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"757\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-contract-1024x757.jpg\" alt=\"\" class=\"wp-image-8449\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-contract-1024x757.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-contract-300x222.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-contract-768x568.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/signing-a-contract.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">T\u00e1c nh\u00e2n th\u1ebf k\u1ef7 21: M\u1ed1i quan h\u1ec7 gi\u00e1 tr\u1ecb gia t\u0103ng<\/h2>\n\n<p>B\u1ea5t ch\u1ea5p \u00fd t\u01b0\u1edfng c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 vi\u1ec7c mua b\u1ea3o hi\u1ec3m, vi\u1ec7c mua b\u1ea3o hi\u1ec3m doanh nghi\u1ec7p nh\u1ecf kh\u00f4ng gi\u1ed1ng v\u1edbi mua nh\u00e0 c\u00e1 nh\u00e2n ho\u1eb7c b\u1ea3o hi\u1ec3m \u00f4 t\u00f4.\nM\u1ed9t b\u1ed9 c\u00e2u h\u1ecfi ph\u1ee9c t\u1ea1p h\u01a1n v\u00e0 c\u00e1c lo\u1ea1i b\u1ea3o hi\u1ec3m c\u00f3 s\u1eb5n c\u00f3 th\u1ec3 l\u00e0m cho qu\u00e1 tr\u00ecnh n\u00e0y tr\u1edf n\u00ean kh\u00f3 kh\u0103n h\u01a1n.\nN\u00f3 c\u0169ng c\u00f3 th\u1ec3 cung c\u1ea5p c\u01a1 h\u1ed9i cho c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111\u1ec3 t\u1ed1i \u0111a h\u00f3a gi\u00e1 tr\u1ecb m\u00e0 h\u1ecd th\u00eam v\u00e0o quy tr\u00ecnh.  <\/p>\n\n<h3 class=\"wp-block-heading\">Gi\u00e1 tr\u1ecb c\u1ee7a trung gian<\/h3>\n\n<p>M\u1ed9t s\u1ed1 nh\u00e0 b\u00ecnh lu\u1eadn \u0111\u00e3 d\u1ef1 \u0111o\u00e1n c\u00e1i ch\u1ebft c\u1ee7a c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m khi \u0111\u1ed1i m\u1eb7t v\u1edbi chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1.\nTuy nhi\u00ean, cho \u0111\u1ebfn nay, nh\u1eefng con s\u1ed1 kh\u00f4ng \u1ee7ng h\u1ed9 gi\u1ea3 thuy\u1ebft \u0111\u00f3. <\/p>\n\n<p>T\u00ednh \u0111\u1ebfn n\u0103m 2018, c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi v\u00e0 c\u00e1c trung gian kh\u00e1c \u0111\u00e3 thu \u0111\u01b0\u1ee3c g\u1ea5p \u0111\u00f4i gi\u00e1 tr\u1ecb l\u1ee3i nhu\u1eadn c\u1ee7a c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i.\n&#8220;Trong m\u01b0\u1eddi n\u0103m, kho\u1ea3ng 25 \u0111\u1ebfn 30% ph\u00ed b\u1ea3o hi\u1ec3m P&amp;C c\u1ee7a d\u00f2ng c\u00e1 nh\u00e2n c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e2n ph\u1ed1i th\u00f4ng qua h\u1ec7 sinh th\u00e1i B2B2C&#8221;, <a href=\"https:\/\/www.mckinsey.com\/~\/media\/mckinsey\/industries\/financial%20services\/our%20insights\/state%20of%20property%20and%20casualty%20insurance%202020\/state-of-property-and-casualty-insurance-2020.ashx\" target=\"_blank\" rel=\"noreferrer noopener\">Sylvain Johansson<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i McKinsey cho bi\u1ebft.\nM\u1eb7c d\u00f9 kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c trung gian n\u00e0y s\u1ebd l\u00e0 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, c\u00e1c \u0111\u1ea1i l\u00fd s\u1ebd \u0111\u00f3ng m\u1ed9t vai tr\u00f2 quan tr\u1ecdng trong m\u1ed9t s\u1ed1 m\u1ed1i quan h\u1ec7 b\u1ea3o hi\u1ec3m kinh doanh n\u00e0y.  <\/p>\n\n<p>X\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m th\u00f4ng qua vi\u1ec7c s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 c\u0169ng c\u00f3 th\u1ec3 gi\u00fap mang l\u1ea1i c\u1ea3m gi\u00e1c minh b\u1ea1ch v\u00e0 tin t\u01b0\u1edfng v\u00e0o m\u1ed1i quan h\u1ec7 gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng, <a href=\"https:\/\/www.insurancebusinessmag.com\/us\/news\/breaking-news\/how-can-insurance-agents-mitigate-challenges-around-the-hard-market-195127.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Douglas Jones<\/a>, \u0111\u1ed1i t\u00e1c qu\u1ea3n l\u00fd t\u1ea1i Jag Insurance Group cho bi\u1ebft.\nS\u1ef1 minh b\u1ea1ch n\u00e0y c\u00f3 th\u1ec3 r\u1ea5t c\u1ea7n thi\u1ebft \u0111\u1ec3 duy tr\u00ec l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng trong \u0111i\u1ec1u ki\u1ec7n th\u1ecb tr\u01b0\u1eddng kh\u00f3 kh\u0103n, \u0111i\u1ec1u m\u00e0 m\u1ed9t s\u1ed1 lo\u1ea1i b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i hi\u1ec7n \u0111ang ph\u1ea3i \u0111\u1ed1i m\u1eb7t. <\/p>\n\n<p>C\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 c\u0169ng c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 m\u1ea1nh m\u1ebd h\u01a1n gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea1i l\u00fd c\u1ee7a h\u1ecd.\n&#8220;C\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1 c\u00f3 th\u1ec3 cho ph\u00e9p c\u00e1c \u0111\u1ed1i t\u00e1c cung c\u1ea5p d\u1ecbch v\u1ee5 cho kh\u00e1ch h\u00e0ng nhanh nh\u1eb9n h\u01a1n. C\u00e1c quy tr\u00ecnh \u0111\u01b0\u1ee3c s\u1eafp x\u1ebfp h\u1ee3p l\u00fd c\u1ea3i thi\u1ec7n hi\u1ec7u qu\u1ea3 c\u1ee7a c\u00e1c \u0111\u1ed1i t\u00e1c k\u00eanh v\u00e0 \u0111\u1ebfn l\u01b0\u1ee3t n\u00f3, n\u0103ng su\u1ea5t c\u1ee7a c\u00e1c h\u00e3ng b\u1ea3o hi\u1ec3m, &#8221; <a href=\"https:\/\/www.capgemini.com\/2019\/05\/digital-tools-can-free-insurance-channel-partners-to-add-more-value\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ram Thayi<\/a> t\u1ea1i CapGemini n\u00f3i. <\/p>\n\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, l\u1ee3i \u00edch c\u1ee7a c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y l\u00e0 kh\u1ea3 n\u0103ng t\u0103ng c\u01b0\u1eddng m\u1ed1i quan h\u1ec7 kh\u00f4ng ch\u1ec9 v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd, m\u00e0 c\u00f2n v\u1edbi c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi v\u00e0 v\u1edbi c\u00e1c doanh nghi\u1ec7p kh\u00e1c tham gia v\u00e0o h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nC\u00e1c \u0111\u1ea1i l\u00fd c\u00f3 th\u1ec3 truy c\u1eadp t\u1ea5t c\u1ea3 c\u00e1c d\u1ecbch v\u1ee5 c\u00f3 trong c\u00e1c quan h\u1ec7 \u0111\u1ed1i t\u00e1c kh\u00e1c nhau, cho ph\u00e9p h\u1ecd \u00e1p d\u1ee5ng chuy\u00ean m\u00f4n c\u1ee7a m\u00ecnh v\u00e0 cung c\u1ea5p c\u00e1c t\u00f9y ch\u1ecdn t\u1ed1t nh\u1ea5t cho t\u1eebng kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n. <\/p>\n\n<h3 class=\"wp-block-heading\">Cung c\u1ea5p gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u1ea1i l\u00fd<\/h3>\n\n<p>C\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf c\u00f3 th\u1ec3 b\u1eaft \u0111\u1ea7u t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m doanh nghi\u1ec7p gi\u1ed1ng nh\u01b0 c\u00e1ch h\u1ecd t\u00ecm ki\u1ebfm nh\u00e0 ri\u00eang ho\u1eb7c b\u1ea3o hi\u1ec3m \u00f4 t\u00f4.\nTuy nhi\u00ean, hai lo\u1ea1i b\u1ea3o hi\u1ec3m kh\u00e1c nhau v\u1ec1 \u0111\u1ed9 ph\u1ee9c t\u1ea1p c\u1ee7a ch\u00fang v\u00e0 c\u00e1c quy \u01b0\u1edbc th\u00fac \u0111\u1ea9y nh\u1eefng g\u00ec \u0111\u01b0\u1ee3c v\u00e0 kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1edfi m\u1ed9t ch\u00ednh s\u00e1ch ho\u1eb7c ng\u01b0\u1eddi l\u00e1i c\u1ee5 th\u1ec3. <\/p>\n\n<p>M\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng b\u1ecf cu\u1ed9c trong th\u1ea5t v\u1ecdng.\nNh\u1eefng ng\u01b0\u1eddi kh\u00e1c t\u00ecm ki\u1ebfm s\u1ef1 gi\u00fap \u0111\u1ee1 t\u1eeb m\u1ed9t ngu\u1ed3n am hi\u1ec3u nh\u01b0 m\u1ed9t \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/financialservices.accenture.com\/rs\/368-RMC-681\/images\/small-insurance-buyers.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Michael Reilly, Jim Bramblet v\u00e0 Tom Keane<\/a> n\u00f3i trong m\u1ed9t b\u00e1o c\u00e1o c\u1ee7a Accenture. <\/p>\n\n<p>C\u00e1c c\u00f4ng c\u1ee5 gi\u00e1o d\u1ee5c tr\u1ef1c tuy\u1ebfn t\u1eadp trung v\u00e0o b\u1ea3o hi\u1ec3m doanh nghi\u1ec7p nh\u1ecf c\u00f3 th\u1ec3 mang l\u1ea1i l\u1ee3i \u00edch cho c\u1ea3 kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m.\nN\u1ed9i dung gi\u00e1o d\u1ee5c cung c\u1ea5p cho c\u00e1c \u0111\u1ea1i l\u00fd m\u1ed9t ngu\u1ed3n l\u1ef1c \u0111\u1ec3 chia s\u1ebb v\u1edbi kh\u00e1ch h\u00e0ng v\u00e0 n\u00f3 gi\u00fap x\u00e2y d\u1ef1ng l\u00f2ng tin b\u1eb1ng c\u00e1ch cung c\u1ea5p s\u1ef1 hi\u1ec3u bi\u1ebft minh b\u1ea1ch h\u01a1n v\u1ec1 b\u1ea3o hi\u1ec3m cho c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf, Reilly, Bramblet v\u00e0 Keane n\u00f3i. <\/p>\n\n<p>Cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 gi\u00e1o d\u1ee5c th\u00f4ng qua c\u1ed5ng th\u00f4ng tin k\u1ef9 thu\u1eadt s\u1ed1 c\u0169ng c\u00f3 th\u1ec3 thu h\u00fat c\u00e1c \u0111\u1ea1i l\u00fd, nh\u1eefng ng\u01b0\u1eddi \u0111ang t\u00edch c\u1ef1c t\u00ecm c\u00e1ch t\u0103ng th\u00eam gi\u00e1 tr\u1ecb cho m\u1ed1i quan h\u1ec7 gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng v\u00e0 m\u1edf r\u1ed9ng chuy\u00ean m\u00f4n c\u1ee7a ch\u00ednh h\u1ecd.\nB\u1eb1ng c\u00e1ch t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 v\u00e0 c\u01a1 h\u1ed9i gi\u00e1o d\u1ee5c do c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p, c\u00e1c \u0111\u1ea1i l\u00fd c\u00f3 th\u1ec3 t\u1ea1o ra m\u1ed9t th\u1ecb tr\u01b0\u1eddng ng\u00e1ch trong \u0111\u00f3 chuy\u00ean m\u00f4n c\u1ee7a h\u1ecd c\u00f3 gi\u00e1 tr\u1ecb v\u00e0 c\u00f3 gi\u00e1 tr\u1ecb, <a href=\"https:\/\/www.insurancebusinessmag.com\/us\/news\/breaking-news\/how-to-keep-business-coming-through-agency-doors-in-difficult-market-conditions-165913.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Mark Lee<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i B\u1ea3o hi\u1ec3m Higginbotham cho bi\u1ebft. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"682\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-with-solar-house-1024x682.jpg\" alt=\"\" class=\"wp-image-8439\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-with-solar-house-1024x682.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-with-solar-house-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-with-solar-house-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/woman-with-solar-house.jpg 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">Tri\u1ec3n khai c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 c\u00f3 m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng-\u0111\u1ea1i l\u00fd m\u1ea1nh m\u1ebd h\u01a1n<\/h2>\n\n<p>C\u00e1 nh\u00e2n h\u00f3a l\u00e0 ch\u00eca kh\u00f3a cho c\u00e1c ch\u1ee7 doanh nghi\u1ec7p, gi\u1ed1ng nh\u01b0 \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n.\n\u0110\u1ed1i v\u1edbi c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf, c\u00e1 nh\u00e2n h\u00f3a ph\u1ea3i t\u1eadp trung v\u00e0o vi\u1ec7c \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n, c\u0169ng nh\u01b0 \u0111i\u1ec1u ch\u1ec9nh ph\u1ea1m vi v\u00e0 h\u1ed7 tr\u1ee3 cho doanh nghi\u1ec7p v\u00e0 ng\u00e0nh c\u1ee7a n\u00f3. <\/p>\n\n<p>&#8220;Khi c\u00e1c t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m ph\u1ea5n \u0111\u1ea5u cho s\u1ef1 si\u00eau li\u00ean quan, m\u1ed9t ph\u1ea7n thi\u1ebft y\u1ebfu trong h\u1ed9p c\u00f4ng c\u1ee5 c\u1ee7a h\u1ecd l\u00e0 c\u00e1c ph\u01b0\u01a1ng ph\u00e1p cho ph\u00e9p h\u1ecd l\u1eafng nghe k\u1ef9 ti\u1ebfng n\u00f3i c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 x\u00e2y d\u1ef1ng c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 g\u00e2y ng\u1ea1c nhi\u00ean v\u00e0 th\u00edch th\u00fa cho nh\u1eefng ng\u01b0\u1eddi s\u1eed d\u1ee5ng ch\u00fang&#8221;, <a href=\"https:\/\/insuranceblog.accenture.com\/human-centered-design-is-the-competitive-edge-in-small-commercial-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Michael Reilly<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh t\u1ea1i Accenture n\u00f3i.\nK\u1ebf to\u00e1n cho y\u1ebfu t\u1ed1 con ng\u01b0\u1eddi l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c, cho d\u00f9 ng\u01b0\u1eddi d\u00f9ng l\u00e0 kh\u00e1ch h\u00e0ng, \u0111\u1ea1i l\u00fd hay c\u1ea3 hai. <\/p>\n\n<p>S\u1ef1 gi\u00e1n \u0111o\u1ea1n Insurtech, hi\u1ec7n \u0111ang gia t\u0103ng trong b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i nh\u1ecf, thu h\u00fat s\u1ef1 quan t\u00e2m c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi c\u00e1c ph\u01b0\u01a1ng ti\u1ec7n k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m m\u00e0 doanh nghi\u1ec7p c\u1ee7a h\u1ecd c\u1ea7n.\nC\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0y c\u00f3 th\u1ec3 c\u00f3 ngh\u0129a l\u00e0 s\u1ef1 c\u1ea1nh tranh m\u1edbi cho c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/www.ivansinsurance.com\/globalassets\/all-documents\/resources\/reports\/the-agent-of-the-future-report_en-us.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Karlyn Carnahan<\/a> c\u1ee7a Celent n\u00f3i.\nH\u1ecd c\u0169ng c\u00f3 th\u1ec3 t\u1ea1o c\u01a1 h\u1ed9i cho c\u00e1c \u0111\u1ea1i l\u00fd n\u1eafm l\u1ea5y c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1, s\u1eed d\u1ee5ng ch\u00fang \u0111\u1ec3 x\u1eed l\u00fd m\u1ed9t s\u1ed1 nhi\u1ec7m v\u1ee5 nh\u1ea5t \u0111\u1ecbnh \u0111\u1ec3 \u0111\u1ea1i l\u00fd c\u00f3 th\u1ec3 t\u1eadp trung v\u00e0o c\u00e1c c\u00e2u h\u1ecfi b\u1ea3o hi\u1ec3m ph\u1ee9c t\u1ea1p h\u01a1n v\u00e0 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 c\u1ee7a con ng\u01b0\u1eddi.  <\/p>\n\n<h2 class=\"wp-block-heading\">C\u01a1 h\u1ed9i t\u1eeb \u0110\u1ea1i d\u1ecbch<\/h2>\n\n<p>COVID-19 \u0111ang thay \u0111\u1ed5i h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng.\nN\u00f3 c\u0169ng \u0111ang thay \u0111\u1ed5i h\u00e0nh vi c\u1ee7a c\u00e1c \u0111\u1ea1i l\u00fd.\n\u0110\u01b0\u1ee3c \u0111\u1ecbnh h\u01b0\u1edbng hi\u1ec7u qu\u1ea3, nh\u1eefng thay \u0111\u1ed5i n\u00e0y c\u00f3 th\u1ec3 gi\u00fap c\u00e1c \u0111\u1ea1i l\u00fd g\u1eb7p g\u1ee1 kh\u00e1ch h\u00e0ng ch\u00ednh x\u00e1c n\u01a1i h\u1ecd \u0111ang \u1edf.  <\/p>\n\n<p>Hi\u1ec7n t\u1ea1i, c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111ang \u1ee9ng ph\u00f3 v\u1edbi coronavirus m\u1edbi b\u1eb1ng c\u00e1ch chuy\u1ec3n c\u00f4ng vi\u1ec7c h\u00e0ng ng\u00e0y c\u1ee7a h\u1ecd sang c\u00e1c n\u1ec1n t\u1ea3ng d\u1ef1a tr\u00ean \u0111\u00e1m m\u00e2y, m\u1edf r\u1ed9ng truy\u1ec1n th\u00f4ng sang c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 nh\u01b0 ph\u01b0\u01a1ng ti\u1ec7n truy\u1ec1n th\u00f4ng x\u00e3 h\u1ed9i v\u00e0 h\u1ed9i ngh\u1ecb truy\u1ec1n h\u00ecnh, \u0111\u1ed3ng th\u1eddi ch\u1ecdn c\u00e1c c\u00f4ng c\u1ee5 c\u00f4ng ngh\u1ec7 s\u1ebd ti\u1ebfp t\u1ee5c c\u1ea3i thi\u1ec7n c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd ngay c\u1ea3 sau khi cu\u1ed9c kh\u1ee7ng ho\u1ea3ng hi\u1ec7n t\u1ea1i \u0111\u00e3 qua.<\/p>\n\n<p>K\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 xu h\u01b0\u1edbng ti\u1ebfp c\u1eadn k\u1ef9 thu\u1eadt s\u1ed1, cho d\u00f9 ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u0111\u1ec1 c\u1eadp l\u00e0 cho nhu c\u1ea7u c\u00e1 nh\u00e2n hay cho doanh nghi\u1ec7p c\u1ee7a h\u1ecd.\nTuy nhi\u00ean, nhu c\u1ea7u c\u1ee7a h\u1ecd c\u00f3 th\u1ec3 \u0111\u00f2i h\u1ecfi chuy\u00ean m\u00f4n c\u1ee7a m\u1ed9t \u0111\u1ea1i l\u00fd c\u0169ng nh\u01b0 truy c\u1eadp v\u00e0o c\u00e1c k\u00eanh th\u00f4ng tin v\u00e0 li\u00ean l\u1ea1c tr\u1ef1c tuy\u1ebfn v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nC\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 ph\u00f9 h\u1ee3p gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p nh\u1eefng g\u00ec kh\u00e1ch h\u00e0ng mong \u0111\u1ee3i v\u00e0 nh\u1eefng g\u00ec h\u1ecd c\u1ea7n, c\u1ee7ng c\u1ed1 l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng.  <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: Dinis Tolipov\/\u00a9123RF.com, utah778\/\u00a9123RF.com, Andriy Popov\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ph\u1ea1m vi th\u01b0\u01a1ng m\u1ea1i nh\u1ecf \u0111\u00e3 t\u1ee5t h\u1eadu so v\u1edbi c\u00e1c d\u00f2ng c\u00e1 nh\u00e2n khi n\u00f3i \u0111\u1ebfn chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1. Tuy nhi\u00ean, k\u1ef3 v\u1ecdng c\u1ee7a c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf v\u1ec1 vi\u1ec7c mua b\u1ea3o hi\u1ec3m kh\u00f4ng ph\u00e2n bi\u1ec7t gi\u1eefa b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i. T\u1eeb quan \u0111i\u1ec3m c\u1ee7a m\u1ed9t doanh nh\u00e2n, [&hellip;]<\/p>\n","protected":false},"featured_media":8468,"template":"","insight-category":[],"class_list":["post-20620","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20620","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\/8468"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20620"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20620"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}