{"id":20697,"date":"2024-09-27T11:07:55","date_gmt":"2024-09-27T16:07:55","guid":{"rendered":"https:\/\/bolttech.io\/insights\/lam-the-nao-cac-cong-ty-bao-hiem-thuong-mai-co-the-dap-ung-nhu-cau-cua-khach-hang\/"},"modified":"2024-09-27T11:07:59","modified_gmt":"2024-09-27T16:07:59","slug":"lam-the-nao-cac-cong-ty-bao-hiem-thuong-mai-co-the-dap-ung-nhu-cau-cua-khach-hang","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-the-nao-cac-cong-ty-bao-hiem-thuong-mai-co-the-dap-ung-nhu-cau-cua-khach-hang\/","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 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng"},"content":{"rendered":"\n<p>\u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, b\u1ea3o hi\u1ec3m t\u1eeb l\u00e2u \u0111\u00e3 l\u00e0 m\u1ed9t m\u1ed1i quan h\u1ec7 b\u00f3 tay.\nH\u1ea7u h\u1ebft kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i ch\u1ec9 t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd khi h\u1ecd c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, gia h\u1ea1n ph\u1ea1m vi b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3 ho\u1eb7c n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. <\/p>\n\n<p>Tuy nhi\u00ean, khi cu\u1ed9c s\u1ed1ng c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p c\u1ee7a ch\u00fang ta chuy\u1ec3n sang tr\u1ef1c tuy\u1ebfn, k\u1ef3 v\u1ecdng c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u00e3 thay \u0111\u1ed5i.\n\u0110\u00e3 quen v\u1edbi vi\u1ec7c c\u00e1 nh\u00e2n h\u00f3a, truy c\u1eadp th\u00f4ng tin d\u1ec5 d\u00e0ng v\u00e0 ph\u1ea3n h\u1ed3i nhanh ch\u00f3ng t\u1eeb c\u00e1c doanh nghi\u1ec7p tr\u1ef1c tuy\u1ebfn kh\u00e1c, kh\u00e1ch h\u00e0ng mong \u0111\u1ee3i c\u00e1c t\u00ednh n\u0103ng t\u01b0\u01a1ng t\u1ef1 t\u1eeb c\u00f4ng ty b\u1ea3o hi\u1ec3m kinh doanh c\u1ee7a h\u1ecd &#8211; v\u00e0 h\u1ecd s\u1eb5n s\u00e0ng chuy\u1ec3n \u0111\u1ed5i c\u00f4ng ty b\u1ea3o hi\u1ec3m cho \u0111\u1ebfn khi h\u1ecd t\u00ecm th\u1ea5y n\u00f3. <\/p>\n\n<p>\u0110\u1ea1i d\u1ecbch COVID-19 \u0111\u00e3 khi\u1ebfn \u0111i\u1ec1u n\u00e0y tr\u1edf n\u00ean nh\u1eb9 nh\u00f5m r\u00f5 r\u1ec7t.\nV\u1edbi h\u00e0ng tri\u1ec7u ng\u01b0\u1eddi M\u1ef9 \u0111\u1ed9t nhi\u00ean tr\u1ea3i qua kh\u00f3 kh\u0103n, c\u00e1c ch\u1ee7 doanh nghi\u1ec7p &#8211; v\u00e0 <a href=\"https:\/\/www.reuters.com\/article\/us-health-coronavirus-insurance\/u-s-lawmakers-push-insurers-to-cover-coronavirus-business-losses-idUSKBN2173MD\" target=\"_blank\" rel=\"noreferrer noopener\">Qu\u1ed1c h\u1ed9i<\/a> &#8211; \u0111\u00e3 chuy\u1ec3n sang c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec3 \u0111\u01b0\u1ee3c gi\u00fap \u0111\u1ee1. <\/p>\n\n<p>Nh\u01b0ng \u0111\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t cu\u1ed9c tr\u00f2 chuy\u1ec7n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng.\nR\u1ed1t cu\u1ed9c, r\u1ea5t kh\u00f3 \u0111\u1ec3 ki\u1ebfm ti\u1ec1n cho nh\u1eefng r\u1ee7i ro kh\u00f4ng \u0111\u01b0\u1ee3c t\u00ednh \u0111\u1ebfn trong c\u00e1c ch\u00ednh s\u00e1ch \u0111\u00e3 \u0111\u01b0\u1ee3c vi\u1ebft ra.\nThay v\u00e0o \u0111\u00f3, \u0111\u00e2y l\u00e0 m\u1ed9t cu\u1ed9c tr\u00f2 chuy\u1ec7n v\u1ec1 kh\u1ea3 n\u0103ng \u0111\u00e1p \u1ee9ng.\nB\u1eb1ng c\u00e1ch x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng nhanh nh\u1eb9n v\u00e0 nh\u1ea1y b\u00e9n h\u01a1n, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i c\u0169ng c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 thu h\u00fat doanh nghi\u1ec7p m\u1edbi.   <\/p>\n\n<h1 class=\"wp-block-heading\">Kh\u00e1ch h\u00e0ng lu\u00f4n l\u00e0 tr\u00ean h\u1ebft: Thay \u0111\u1ed5i nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng trong b\u1ea3o hi\u1ec3m<\/h1>\n\n<p>&#8220;Trong khi c\u00f4ng ngh\u1ec7 \u0111ang thay \u0111\u1ed5i ng\u00e0nh b\u1ea3o hi\u1ec3m, kh\u00e1ch h\u00e0ng c\u0169ng tr\u1edf n\u00ean \u0111\u1ed9t ph\u00e1&#8221;, <a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/uk\/Documents\/financial-services\/deloitte-uk-insurance-trends-new-world-new-customers-new-solutions.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">David Rush<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i Deloitte n\u00f3i.<\/p>\n\n<p>Theo m\u1ed9t cu\u1ed9c kh\u1ea3o s\u00e1t c\u1ee7a Deloitte, 45% gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh ng\u00e0nh b\u1ea3o hi\u1ec3m tin r\u1eb1ng vi\u1ec7c thay \u0111\u1ed5i k\u1ef3 v\u1ecdng v\u00e0 nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng s\u1ebd mang l\u1ea1i th\u00e1ch th\u1ee9c t\u0103ng tr\u01b0\u1edfng h\u00e0ng \u0111\u1ea7u c\u1ee7a h\u1ecd trong ba n\u0103m t\u1edbi.<\/p>\n\n<h2 class=\"wp-block-heading\">Kh\u00e1ch h\u00e0ng mong \u0111\u1ee3i d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a<\/h2>\n\n<p>Kh\u00e1ch h\u00e0ng mong \u0111\u1ee3i c\u00e1 nh\u00e2n h\u00f3a, \u0111\u1eb7c bi\u1ec7t l\u00e0 d\u01b0\u1edbi d\u1ea1ng th\u00f4ng b\u00e1o v\u00e0 l\u1eddi nh\u1eafc ph\u00f9 h\u1ee3p \u0111\u01b0\u1ee3c g\u1eedi \u0111\u1ebfn \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh c\u1ee7a h\u1ecd.\nNh\u1eefng kh\u00e1ch h\u00e0ng \u0111\u00e3 t\u00edch h\u1ee3p th\u00f4ng tin nh\u01b0 c\u1eadp nh\u1eadt giao th\u00f4ng v\u00e0 th\u1eddi ti\u1ebft v\u00e0o cu\u1ed9c s\u1ed1ng k\u1ef9 thu\u1eadt s\u1ed1 h\u00e0ng ng\u00e0y c\u1ee7a h\u1ecd c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng ch\u1ea5p nh\u1eadn c\u00e1c th\u00f4ng \u0111i\u1ec7p t\u01b0\u01a1ng t\u1ef1 t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m nh\u1eb1m gi\u00fap h\u1ecd gi\u1ea3m r\u1ee7i ro v\u00e0 ti\u1ebft ki\u1ec7m ti\u1ec1n, <a href=\"https:\/\/www.ey.com\/en_gl\/innovation-in-insurance\/why-insurance-business-models-are-going-to-change\" target=\"_blank\" rel=\"noreferrer noopener\">Peter Manchester<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i EY cho bi\u1ebft. <\/p>\n\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, s\u1edf th\u00edch c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi tin nh\u1eafn \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a mang \u0111\u1ebfn c\u01a1 h\u1ed9i c\u1ea3i thi\u1ec7n m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch c\u1ea3i thi\u1ec7n ph\u00e2n t\u00edch r\u1ee7i ro.\n&#8220;C\u01a1 h\u1ed9i \u0111\u1ed5i m\u1edbi l\u1edbn ti\u1ebfp theo v\u1edbi d\u1eef li\u1ec7u v\u00e0 ph\u00e2n t\u00edch cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m li\u00ean quan \u0111\u1ebfn vi\u1ec7c nhanh ch\u00f3ng x\u00e1c \u0111\u1ecbnh v\u00e0 \u0111o l\u01b0\u1eddng ch\u00ednh x\u00e1c r\u1ee7i ro, sau \u0111\u00f3 s\u1eed d\u1ee5ng c\u00e1i nh\u00ecn s\u00e2u s\u1eafc \u0111\u00f3 \u0111\u1ec3 ch\u1ee7 \u0111\u1ed9ng \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng&#8221;, h\u1ecd vi\u1ebft. <\/p>\n\n<h2 class=\"wp-block-heading\">Kh\u00e1ch h\u00e0ng mong \u0111\u1ee3i r\u1ee7i ro ng\u00e0y nay s\u1ebd \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m &#8211; ngay b\u00e2y gi\u1edd<\/h2>\n\n<p>Trong nhi\u1ec1u th\u1eadp k\u1ef7, b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m kinh doanh \u0111\u00e3 \u00e1p d\u1ee5ng c\u00e1ch ti\u1ebfp c\u1eadn m\u1ed9t k\u00edch th\u01b0\u1edbc ph\u00f9 h\u1ee3p v\u1edbi t\u1ea5t c\u1ea3.\nKhi n\u1ec1n kinh t\u1ebf ti\u1ebfp t\u1ee5c nh\u1ea5n m\u1ea1nh v\u00e0o c\u00f4ng vi\u1ec7c bi\u1ec3u di\u1ec5n, c\u00f4ng vi\u1ec7c b\u00e1n th\u1eddi gian v\u00e0 ranh gi\u1edbi m\u1edd nh\u1ea1t gi\u1eefa vi\u1ec7c s\u1eed d\u1ee5ng xe h\u01a1i v\u00e0 b\u1ea5t \u0111\u1ed9ng s\u1ea3n c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i, c\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m ph\u00e1p l\u00fd ng\u00e0y c\u00e0ng k\u00e9m ph\u00f9 h\u1ee3p, <a href=\"https:\/\/www.insurancejournal.com\/magazines\/mag-ideaexchange\/2019\/10\/21\/545867.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Jay Bregman<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 CEO c\u1ee7a nh\u00e0 cung c\u1ea5p ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m doanh nghi\u1ec7p nh\u1ecf theo y\u00eau c\u1ea7u Thimble n\u00f3i. <\/p>\n\n<p>Kinh doanh \u0111\u00e3 thay \u0111\u1ed5i, v\u00e0 do \u0111\u00f3 c\u00f3 nh\u1eefng r\u1ee7i ro \u0111\u00f2i h\u1ecfi b\u1ea3o hi\u1ec3m.\nTrong khi \u0111\u00f3, kh\u1ea3 n\u0103ng nh\u1eadn d\u1ecbch v\u1ee5 ngay l\u1eadp t\u1ee9c c\u1ee7a kh\u00e1ch h\u00e0ng trong c\u00e1c ng\u00e0nh kh\u00e1c c\u0169ng \u0111\u00e3 thay \u0111\u1ed5i k\u1ef3 v\u1ecdng c\u1ee7a h\u1ecd v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m.\nB\u1edfi v\u00ec b\u1ea3o hi\u1ec3m kh\u00f4ng y\u00eau c\u1ea7u ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1edf h\u1eefu m\u1ed9t \u0111\u1ed1i t\u01b0\u1ee3ng v\u1eadt l\u00fd, ng\u01b0\u1eddi ti\u00eau d\u00f9ng kh\u00f4ng th\u1ea5y l\u00fd do t\u1ea1i sao vi\u1ec7c \u0111\u1eb7t b\u1ea3o hi\u1ec3m ph\u1ea3i m\u1ea5t nhi\u1ec1u ng\u00e0y \u0111\u1ec3 ho\u00e0n th\u00e0nh.  <\/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;, Bregman vi\u1ebft.<\/p>\n\n<h1 class=\"wp-block-heading\">C\u00e1c y\u1ebfu t\u1ed1 c\u1ee7a m\u1ed9t m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd, nhanh nh\u1eb9n<\/h1>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ecm c\u00e1ch \u0111\u00e1p \u1ee9ng nhu c\u1ea7u thay \u0111\u1ed5i c\u1ee7a kh\u00e1ch h\u00e0ng ph\u1ea3i gi\u1ea3i quy\u1ebft m\u1ed9t c\u00e2u h\u1ecfi: M\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd, nhanh nh\u1eb9n tr\u00f4ng nh\u01b0 th\u1ebf n\u00e0o trong m\u1ed9t th\u1ebf gi\u1edbi k\u1ef9 thu\u1eadt s\u1ed1 thay \u0111\u1ed5i nhanh ch\u00f3ng?<\/p>\n\n<p>Tr\u1ea3 l\u1eddi c\u00e2u h\u1ecfi n\u00e0y cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m di chuy\u1ec3n c\u00f9ng v\u00e0 \u0111i tr\u01b0\u1edbc kh\u00e1ch h\u00e0ng.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 g\u1eb7p g\u1ee1 kh\u00e1ch h\u00e0ng \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf v\u00e0 d\u1ef1 \u0111o\u00e1n t\u1ed1t h\u01a1n nh\u1eefng g\u00ec kh\u00e1ch h\u00e0ng s\u1ebd c\u1ea7n v\u00e0 mu\u1ed1n trong t\u01b0\u01a1ng lai. <\/p>\n\n<h2 class=\"wp-block-heading\">K\u1ebft n\u1ed1i s\u1edbm, th\u01b0\u1eddng xuy\u00ean \u2014 v\u00e0 k\u1ef9 thu\u1eadt s\u1ed1<\/h2>\n\n<p>\u0110\u1ea7u ti\u00ean, m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd, nhanh nh\u1eb9n t\u1eadp trung v\u00e0o vi\u1ec7c k\u1ebft n\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1.\nM\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a c\u00f4ng ty t\u01b0 v\u1ea5n qu\u1ea3n l\u00fd Bain &amp;; Company v\u1ec1 th\u00f3i quen mua b\u1ea3o hi\u1ec3m c\u1ee7a c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf cho th\u1ea5y &#8220;ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1edf h\u1eefu \u00edt nh\u1ea5t m\u1ed9t thi\u1ebft b\u1ecb \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i t\u01b0\u01a1ng t\u00e1c v\u1edbi nh\u00e0 m\u1ea1ng c\u1ee7a h\u1ecd trung b\u00ecnh 19 l\u1ea7n m\u1ed9t n\u0103m, g\u1ea5p h\u01a1n n\u0103m l\u1ea7n t\u1ea7n su\u1ea5t \u0111\u1ed1i v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng kh\u00f4ng s\u1edf h\u1eefu b\u1ea5t k\u1ef3 thi\u1ebft b\u1ecb \u0111\u01b0\u1ee3c k\u1ebft n\u1ed1i n\u00e0o&#8221;, <a href=\"https:\/\/www.bain.com\/insights\/insurers_how_to_lead_in_the_new_era_of_connectivity\/\" target=\"_blank\" rel=\"noreferrer noopener\">Henrik Naujoks<\/a> v\u00e0 c\u00e1c \u0111\u1ed1i t\u00e1c c\u1ee7a Bain cho bi\u1ebft. <\/p>\n\n<p>Kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i li\u00ean l\u1ea1c v\u1edbi nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 c\u1ee7a h\u1ecd th\u01b0\u1eddng xuy\u00ean h\u01a1n c\u0169ng c\u00f3 xu h\u01b0\u1edbng \u1edf l\u1ea1i kh\u00e1ch h\u00e0ng l\u00e2u h\u01a1n, mua nhi\u1ec1u s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m h\u01a1n t\u1eeb c\u00f9ng m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 khuy\u00ean b\u1ea1n b\u00e8 ho\u1eb7c \u0111\u1ed3ng nghi\u1ec7p c\u0169ng l\u00e0m nh\u01b0 v\u1eady.<\/p>\n\n<h2 class=\"wp-block-heading\">N\u1eafm b\u1eaft d\u1eef li\u1ec7u<\/h2>\n\n<p>\u0110i\u1ec7n tho\u1ea1i th\u00f4ng minh, c\u1ea3m bi\u1ebfn nh\u00fang v\u00e0 m\u1ea1ng l\u01b0\u1edbi thi\u1ebft b\u1ecb k\u1ebft n\u1ed1i to\u00e0n c\u1ea7u gi\u00fap theo d\u00f5i, thu th\u1eadp v\u00e0 ph\u00e2n t\u00edch nhi\u1ec1u d\u1eef li\u1ec7u h\u01a1n bao gi\u1edd h\u1ebft.\nS\u1ef1 gia t\u0103ng c\u1ee7a d\u1eef li\u1ec7u l\u1edbn c\u0169ng mang l\u1ea1i c\u01a1 h\u1ed9i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00e1p d\u1ee5ng c\u00e1ch ti\u1ebfp c\u1eadn d\u1eef li\u1ec7u \u0111\u1ea7u ti\u00ean, <a href=\"https:\/\/peerinsight.com\/blog\/2020-insurance-trends\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tim Ogilvie<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp c\u00f4ng ty t\u01b0 v\u1ea5n \u0111\u1ed5i m\u1edbi d\u1ecbch v\u1ee5 chi\u1ebfn l\u01b0\u1ee3c Peer Insight cho bi\u1ebft. <\/p>\n\n<p>N\u1eafm b\u1eaft kh\u1ea3 n\u0103ng c\u1ee7a d\u1eef li\u1ec7u \u0111\u1ec3 c\u00e1 nh\u00e2n h\u00f3a ph\u1ea1m vi b\u1ea3o hi\u1ec3m v\u00e0 t\u0103ng t\u1ed1c qu\u00e1 tr\u00ecnh mua ho\u1eb7c gia h\u1ea1n b\u1ea3o hi\u1ec3m \u0111\u00f3 l\u00e0 \u0111i\u1ec1u b\u1eaft bu\u1ed9c \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang t\u00ecm c\u00e1ch theo k\u1ecbp nhu c\u1ea7u c\u1ee7a c\u00e1c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf ng\u00e0y nay.<\/p>\n\n<p>&#8220;B\u1ea5t k\u1ef3 doanh nghi\u1ec7p n\u00e0o mu\u1ed1n duy tr\u00ec t\u00ednh c\u1ea1nh tranh tr\u00ean th\u1ecb tr\u01b0\u1eddng ng\u00e0y nay \u0111\u1ec1u ph\u1ea3i g\u1eb7p kh\u00e1ch h\u00e0ng \u1edf \u0111\u00e2u v\u00e0 khi n\u00e0o h\u1ecd c\u1ea7n th\u1ee9 g\u00ec \u0111\u00f3&#8221;, <a href=\"https:\/\/us.hitachi-solutions.com\/blog\/insurance-digital-transformation\/\" target=\"_blank\" rel=\"noreferrer noopener\">Jonathan Yundt<\/a>, ki\u1ebfn tr\u00fac s\u01b0 ti\u1ec1n b\u00e1n h\u00e0ng cao c\u1ea5p t\u1ea1i Hitachi Solutions America cho bi\u1ebft.\nM\u1ed9t n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 m\u1ea1nh m\u1ebd cung c\u1ea5p m\u1ed9t n\u01a1i \u0111\u1ec3 b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch hi\u1ec7n \u0111\u1ea1i h\u00f3a c\u00e1c h\u1ec7 th\u1ed1ng k\u1ebf th\u1eeba v\u00e0 cung c\u1ea5p cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00e1c c\u00f4ng c\u1ee5 \u0111\u1ec3 cho ph\u00e9p c\u00e1c t\u00f9y ch\u1ecdn k\u1ef9 thu\u1eadt s\u1ed1 kh\u00e1c nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, ph\u00e2n t\u00edch d\u1ef1 \u0111o\u00e1n, d\u1ecbch v\u1ee5 di \u0111\u1ed9ng v\u00e0 c\u00e1c t\u00f9y ch\u1ecdn tr\u00f2 chuy\u1ec7n tr\u1ef1c tuy\u1ebfn. <\/p>\n\n<h2 class=\"wp-block-heading\">S\u1eafp x\u1ebfp l\u1ea1i c\u00e1c ph\u01b0\u01a1ng ph\u00e1p c\u1ee7a b\u1ea1n v\u1edbi s\u1ee9 m\u1ec7nh c\u1ee7a b\u1ea1n<\/h2>\n\n<p>M\u1ed9t trong nh\u1eefng th\u00e1ch th\u1ee9c l\u1edbn nh\u1ea5t \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m trong nh\u1eefng n\u0103m t\u1edbi s\u1ebd l\u00e0 n\u1eafm b\u1eaft nh\u1eefng c\u00e1ch th\u1ee9c kinh doanh m\u1edbi ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a m\u1ed9t th\u1ebf gi\u1edbi \u0111ang thay \u0111\u1ed5i, <a href=\"https:\/\/assets.kpmg\/content\/dam\/kpmg\/xx\/pdf\/2019\/03\/insurtech-trends-2019.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Will Pritchett<\/a> v\u00e0 \u0111\u1ed3ng t\u00e1c gi\u1ea3 c\u1ee7a &#8220;Insurtech 10: Xu h\u01b0\u1edbng cho n\u0103m 2019&#8221; c\u1ee7a KPMG cho bi\u1ebft.<\/p>\n\n<p>\u0110\u1ec3 \u0111\u00e1p \u1ee9ng kh\u00e1ch h\u00e0ng \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf v\u00e0 t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 l\u00e0m nh\u01b0 v\u1eady, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 c\u1ea7n ph\u1ea3i suy ngh\u0129 l\u1ea1i v\u1ec1 c\u1ea5u tr\u00fac n\u1ed9i b\u1ed9 c\u1ee7a ch\u00ednh h\u1ecd.\nC\u00e1c ph\u01b0\u01a1ng ph\u00e1p \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng \u0111\u1ec3 th\u00e0nh l\u1eadp nh\u00f3m, \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 \u0111\u1eb7t ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u00e3 ho\u1ea1t \u0111\u1ed9ng trong qu\u00e1 kh\u1ee9 c\u00f3 th\u1ec3 kh\u00f4ng \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng trong t\u01b0\u01a1ng lai. <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 kh\u00f4ng ph\u1ea3i l\u1eadt \u0111\u1ed5 ho\u00e0n to\u00e0n c\u00e1c ph\u01b0\u01a1ng ph\u00e1p hi\u1ec7n c\u00f3 c\u1ee7a h\u1ecd, Pritchett v\u00e0 c\u00e1c \u0111\u1ed3ng t\u00e1c gi\u1ea3 n\u00f3i.\nTuy nhi\u00ean, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00ean s\u1eb5n s\u00e0ng v\u00e0 c\u00f3 th\u1ec3 ch\u00e0o \u0111\u00f3n s\u1ef1 thay \u0111\u1ed5i tri\u1ec7t \u0111\u1ec3 khi c\u1ea7n thi\u1ebft.\n&#8220;T\u00e1ch r\u1eddi kh\u1ecfi c\u00e1c c\u1ea5u tr\u00fac qu\u1ea3n tr\u1ecb hi\u1ec7n t\u1ea1i c\u00f3 th\u1ec3 kh\u00f4ng tho\u1ea3i m\u00e1i, nh\u01b0ng c\u00e1c t\u1ed5 ch\u1ee9c ph\u1ea3i th\u00fac \u0111\u1ea9y \u0111i\u1ec1u n\u00e0y \u0111\u1ec3 ph\u00e1 v\u1ee1 nh\u1eefng tr\u1edf ng\u1ea1i v\u0103n h\u00f3a \u0111ang k\u00ecm h\u00e3m h\u1ecd&#8221;, h\u1ecd vi\u1ebft.  <\/p>\n\n<h1 class=\"wp-block-heading\">C\u00e1c ph\u01b0\u01a1ng ph\u00e1p hay nh\u1ea5t \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng<\/h1>\n\n<p>B\u00e1n b\u1ea3o hi\u1ec3m v\u00ec l\u1ee3i \u00edch c\u1ee7a b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t \u0111\u1ec1 xu\u1ea5t kh\u00f3 kh\u0103n trong th\u1ecb tr\u01b0\u1eddng ng\u00e0y nay.\nNg\u00e0y nay, c\u00e1c ch\u1ee7 doanh nghi\u1ec7p mu\u1ed1n c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 gi\u00fap h\u1ecd \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau c\u1ee7a ri\u00eang h\u1ecd &#8211; v\u00e0 nh\u1eefng ng\u01b0\u1eddi s\u1ebd \u0111i xa \u0111\u1ebfn m\u1ee9c x\u00e2y d\u1ef1ng h\u1ec7 sinh th\u00e1i v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p phi b\u1ea3o hi\u1ec3m \u0111\u1ec3 l\u00e0m \u0111i\u1ec1u \u0111\u00f3, Naujoks n\u00f3i. <\/p>\n\n<p>&#8220;C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n ph\u1ea3i tr\u00e1nh xa vi\u1ec7c t\u1eadp trung v\u00e0o vi\u1ec7c cung c\u1ea5p m\u1ed9t s\u1ea3n ph\u1ea9m v\u00e0 h\u01b0\u1edbng t\u1edbi s\u1ef1 nh\u1ea5n m\u1ea1nh v\u00e0o nh\u1eefng g\u00ec s\u1ea3n ph\u1ea9m cho ph\u00e9p kh\u00e1ch h\u00e0ng l\u00e0m&#8221;, Rush vi\u1ebft.\nV\u00ed d\u1ee5, m\u1ed9t ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf c\u00f3 th\u1ec3 xem b\u1ea3o hi\u1ec3m b\u1ed3i th\u01b0\u1eddng c\u1ee7a ng\u01b0\u1eddi lao \u0111\u1ed9ng l\u00e0 m\u1ed9t c\u00f4ng vi\u1ec7c t\u1ebb nh\u1ea1t nh\u01b0ng c\u00f3 th\u1ec3 r\u1ea5t ph\u1ea3n h\u1ed3i c\u00e1c th\u00f4ng \u0111i\u1ec7p t\u1eadp trung v\u00e0o ph\u00f2ng ng\u1eeba th\u01b0\u01a1ng t\u00edch v\u00e0 gi\u00fap ng\u01b0\u1eddi lao \u0111\u1ed9ng duy tr\u00ec ho\u1eb7c l\u1ea5y l\u1ea1i s\u1ee9c kh\u1ecfe. <\/p>\n\n<p>V\u00ec kh\u00e1ch h\u00e0ng \u00edt quan t\u00e2m \u0111\u1ebfn b\u1ea3o hi\u1ec3m v\u00ec l\u1ee3i \u00edch ri\u00eang c\u1ee7a m\u00ecnh, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n t\u1eadp trung v\u00e0o vi\u1ec7c n\u00f3i l\u00ean l\u1ee3i \u00edch th\u1ef1c s\u1ef1 c\u1ee7a kh\u00e1ch h\u00e0ng, ch\u1eb3ng h\u1ea1n nh\u01b0 s\u1ef1 th\u00e0nh c\u00f4ng trong kinh doanh c\u1ee7a h\u1ecd.\nX\u00e2y d\u1ef1ng m\u1ed9t h\u1ec7 sinh th\u00e1i k\u1ef9 thu\u1eadt s\u1ed1 cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i gi\u1ea3i quy\u1ebft nh\u1eefng l\u1ee3i \u00edch n\u00e0y d\u1ec5 d\u00e0ng h\u01a1n.\nH\u1ec7 sinh th\u00e1i, v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e0 c\u1ed1t l\u00f5i, tr\u1edf th\u00e0nh m\u1ed9t c\u1eeda h\u00e0ng m\u1ed9t c\u1eeda \u0111\u1ec3 c\u1ea3i thi\u1ec7n th\u00e0nh c\u00f4ng kinh doanh, l\u00e0m cho n\u00f3 tr\u1edf th\u00e0nh m\u1ed9t \u0111\u1ec1 xu\u1ea5t h\u1ea5p d\u1eabn h\u01a1n cho kh\u00e1ch h\u00e0ng.  <\/p>\n\n<p>Cu\u1ed1i c\u00f9ng, \u0111\u1eb7t kh\u00e1ch h\u00e0ng l\u00ean h\u00e0ng \u0111\u1ea7u khi l\u1ef1a ch\u1ecdn c\u00e1c c\u00f4ng c\u1ee5 v\u00e0 n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 m\u1edbi s\u1ebd cho ph\u00e9p c\u00e1c m\u1ed1i quan h\u1ec7 linh ho\u1ea1t.\n&#8220;C\u00e1c h\u00e3ng v\u1eadn t\u1ea3i c\u00f3 th\u1ec3 h\u00ecnh dung ra t\u01b0\u01a1ng lai v\u00e0 c\u00f3 can \u0111\u1ea3m \u0111\u1ea7u t\u01b0 v\u00e0o chuy\u1ec3n \u0111\u1ed5i chu \u0111\u00e1o, t\u1eadp trung v\u00e0o kh\u00e1ch h\u00e0ng s\u1ebd v\u01b0\u1ee3t qua c\u00e1c m\u1ed1i \u0111e d\u1ecda ng\u00e0y nay v\u00e0 n\u1eafm b\u1eaft l\u00e0n s\u00f3ng c\u01a1 h\u1ed9i ti\u1ebfp theo&#8221;, <a href=\"https:\/\/assets.ey.com\/content\/dam\/ey-sites\/ey-com\/en_gl\/topics\/insurance\/insurance-pdfs\/ey-nextwave-insurance-personal-lines-small-commercial.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Isabelle Santenac<\/a> v\u00e0 c\u00e1c th\u00e0nh vi\u00ean trong nh\u00f3m T\u01b0 v\u1ea5n B\u1ea3o hi\u1ec3m c\u1ee7a EY cho bi\u1ebft. <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i v\u1edbi c\u00e1ch ti\u1ebfp c\u1eadn nhanh nh\u1eb9n trong quan h\u1ec7 kh\u00e1ch h\u00e0ng \u0111\u1ecbnh v\u1ecb b\u1ea3n th\u00e2n \u0111\u1ec3 h\u00ecnh th\u00e0nh v\u00e0 duy tr\u00ec c\u00e1c m\u1ed1i quan h\u1ec7 n\u00e0y trong d\u00e0i h\u1ea1n.\nM\u1ed9t danh ti\u1ebfng cho ph\u1ea3n h\u1ed3i kh\u00e1ch h\u00e0ng nhanh ch\u00f3ng, c\u00e1 nh\u00e2n h\u00f3a l\u00e0 c\u1ea7n thi\u1ebft \u0111\u1ec3 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd. <\/p>\n\n<p>H\u00ecnh \u1ea3nh b\u1edfi: Aleksandr Davydov\/\u00a9123RF.com, racorn\/\u00a9123RF.com, bi\u00ean \u0111\u1ea1o\/\u00a9123RF.com<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, b\u1ea3o hi\u1ec3m t\u1eeb l\u00e2u \u0111\u00e3 l\u00e0 m\u1ed9t m\u1ed1i quan h\u1ec7 b\u00f3 tay. H\u1ea7u h\u1ebft kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i ch\u1ec9 t\u01b0\u01a1ng t\u00e1c v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd khi h\u1ecd c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, gia h\u1ea1n ph\u1ea1m vi b\u1ea3o hi\u1ec3m hi\u1ec7n c\u00f3 ho\u1eb7c n\u1ed9p \u0111\u01a1n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng. [&hellip;]<\/p>\n","protected":false},"featured_media":8105,"template":"","insight-category":[],"class_list":["post-20697","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20697","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\/8105"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20697"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20697"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}