{"id":20919,"date":"2024-09-30T14:08:11","date_gmt":"2024-09-30T19:08:11","guid":{"rendered":"https:\/\/bolttech.io\/insights\/ba-nha-doi-moi-insurtech-dang-xem-vao-nam-2020\/"},"modified":"2024-09-30T14:08:14","modified_gmt":"2024-09-30T19:08:14","slug":"ba-nha-doi-moi-insurtech-dang-xem-vao-nam-2020","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/ba-nha-doi-moi-insurtech-dang-xem-vao-nam-2020\/","title":{"rendered":"Ba nh\u00e0 \u0111\u1ed5i m\u1edbi Insurtech \u0111\u00e1ng xem v\u00e0o n\u0103m 2020"},"content":{"rendered":"\n

C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p Insurtech ti\u1ebfp t\u1ee5c ph\u00e1 v\u1ee1 ng\u00e0nh b\u1ea3o hi\u1ec3m khi h\u1ecd kh\u00e1m ph\u00e1 c\u00e1c c\u00e1ch \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7<\/a> ti\u00ean ti\u1ebfn v\u00e0o c\u00e1c th\u00e1ch th\u1ee9c b\u1ea3o hi\u1ec3m ch\u00ednh. <\/p>\n\n

Nhi\u1ec1u trong s\u1ed1 nh\u1eefng gi\u00e1n \u0111o\u1ea1n m\u1edbi n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i theo m\u1ed9t v\u00e0i ti\u00eau \u0111\u1ec1 c\u01a1 b\u1ea3n.\nCh\u00fang bao g\u1ed3m nhu c\u1ea7u c\u00e1 nh\u00e2n h\u00f3a l\u1edbn h\u01a1n t\u1eeb kh\u00e1ch h\u00e0ng, nhu c\u1ea7u c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadn d\u1ee5ng v\u1ed1n tr\u00ed tu\u1ec7 con ng\u01b0\u1eddi c\u1ee7a h\u1ecd v\u00e0 nh\u1eefng th\u00e1ch th\u1ee9c \u0111\u1eb7t ra b\u1edfi c\u00e1c h\u1ec7 th\u1ed1ng k\u1ebf th\u1eeba v\u00e0 c\u00e1c c\u00f4ng c\u1ee5 m\u1edbi nh\u01b0 tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o, Alexandra Sutton<\/a> t\u1ea1i H\u1ed9i \u0111\u1ed3ng \u0110\u1ed5i m\u1edbi cho bi\u1ebft. <\/p>\n\n

V\u00e0o n\u0103m 2020, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 mong \u0111\u1ee3i s\u1ef1 gi\u00e1n \u0111o\u1ea1n<\/a> n\u00e0y s\u1ebd ti\u1ebfp t\u1ee5c.\nM\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i s\u1ebd ti\u1ebfp t\u1ee5c tinh ch\u1ec9nh v\u00e0 thi\u1ebft l\u1eadp c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd, v\u00e0 nh\u1eefng ng\u01b0\u1eddi ch\u01a1i m\u1edbi c\u00f3 kh\u1ea3 n\u0103ng tham gia v\u00e0o ng\u00e0nh.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y nh\u1eefng c\u01a1 h\u1ed9i m\u1edbi b\u1eb1ng c\u00e1ch theo d\u00f5i m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m h\u1ee9a h\u1eb9n nh\u1ea5t trong n\u0103m t\u1edbi. <\/p>\n\n

LearnLux: Gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng \u0111\u1ec3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m t\u1ed1t h\u01a1n<\/h2>\n\n

LearnLux<\/a> l\u00e0 insurtech v\u1edbi m\u1ed9t twist.\nThay v\u00ec h\u01b0\u1edbng s\u1ef1 ch\u00fa \u00fd c\u1ee7a m\u00ecnh v\u00e0o vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c v\u1ea5n \u0111\u1ec1 m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c \u0111\u1ea1i l\u00fd ph\u1ea3i \u0111\u1ed1i m\u1eb7t, LearnLux \u0111ang gi\u1ea3i quy\u1ebft xu h\u01b0\u1edbng c\u00e1 nh\u00e2n h\u00f3a kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1ch gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng tr\u1ef1c ti\u1ebfp. <\/p>\n\n

M\u1ee5c ti\u00eau c\u1ee7a LearnLux l\u00e0 th\u00fac \u0111\u1ea9y hi\u1ec3u bi\u1ebft v\u1ec1 t\u00e0i ch\u00ednh gi\u1eefa c\u00e1c nh\u00e2n vi\u00ean c\u1ee7a c\u00e1c c\u00f4ng ty s\u1eed d\u1ee5ng n\u00f3.\nC\u00e1c b\u00e0i h\u1ecdc bao g\u1ed3m th\u00f4ng tin kh\u00f4ng ch\u1ec9 v\u1ec1 ch\u0103m s\u00f3c s\u1ee9c kh\u1ecfe v\u00e0 l\u1eadp k\u1ebf ho\u1ea1ch ngh\u1ec9 h\u01b0u, m\u00e0 c\u00f2n v\u1ec1 c\u00e1ch hi\u1ec3u v\u00e0 mua c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m. <\/p>\n\n

LearnLux \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp b\u1edfi anh ch\u1ecb em Rebecca v\u00e0 Michael Liebman, c\u1ea3 hai \u0111\u1ec1u ph\u00e1t hi\u1ec7n ra m\u1ed9t l\u1ed7 h\u1ed5ng trong ki\u1ebfn th\u1ee9c c\u1ee7a h\u1ecd: B\u00ed quy\u1ebft t\u00e0i ch\u00ednh.\nH\u1ecd kh\u00f4ng \u0111\u01a1n \u0111\u1ed9c.\n“T\u00f4i \u0111\u00e3 l\u00e0m vi\u1ec7c trong m\u1ed9t ph\u00f2ng th\u00ed nghi\u1ec7m t\u1ea1i MIT v\u1edbi c\u00e1c sinh vi\u00ean ti\u1ebfn s\u0129 xu\u1ea5t s\u1eafc v\u00e0 kh\u00f4ng ai c\u00f3 th\u1ec3 t\u00ecm ra c\u00e1ch m\u1edf t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed. Michael \u0111ang l\u00e0m vi\u1ec7c t\u1ea1i m\u1ed9t ng\u00e2n h\u00e0ng v\u1edbi nh\u1eefng ng\u01b0\u1eddi nghi\u00ean c\u1ee9u t\u00e0i ch\u00ednh, nh\u1eefng ng\u01b0\u1eddi v\u1eabn kh\u00f4ng th\u1ec3 t\u00ecm ra c\u00e1ch m\u1edf t\u00e0i kho\u1ea3n h\u01b0u tr\u00ed”, \u0111\u1ed3ng s\u00e1ng l\u1eadp Rebecca Liebman<\/a> n\u00f3i. <\/p>\n\n

Thi\u1ebfu hi\u1ec3u bi\u1ebft v\u1ec1 c\u00e1c \u0111i\u1ec1u kho\u1ea3n v\u00e0 l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 d\u1eabn \u0111\u1ebfn c\u00e1c v\u1ea5n \u0111\u1ec1 nghi\u00eam tr\u1ecdng, Assaf Wand<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 \u0111\u1ed3ng s\u00e1ng l\u1eadp c\u1ee7a B\u1ea3o hi\u1ec3m Hippo vi\u1ebft.<\/p>\n\n

V\u00ed d\u1ee5, g\u1ea7n hai ph\u1ea7n ba s\u1ed1 ng\u00f4i nh\u00e0 \u1edf M\u1ef9 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trung b\u00ecnh 17%.\nV\u00e0 trong khi con s\u1ed1 \u0111\u00f3 \u0111\u00e3 \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n trong nh\u1eefng th\u1eadp k\u1ef7 g\u1ea7n \u0111\u00e2y, c\u00e1c ch\u1ee7 nh\u00e0 \u1edf M\u1ef9 v\u1eabn ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi r\u1ee7i ro t\u1eeb vi\u1ec7c thi\u1ebfu b\u1ea3o hi\u1ec3m khi \u0111\u1ed1i m\u1eb7t v\u1edbi thi\u00ean tai v\u00e0 c\u00e1c t\u1ed5n th\u1ea5t kh\u00e1c, Robert Hartwig<\/a>, ph\u00f3 gi\u00e1o s\u01b0 t\u00e0i ch\u00ednh l\u00e2m s\u00e0ng t\u1ea1i \u0110\u1ea1i h\u1ecdc Nam Carolina cho bi\u1ebft. <\/p>\n\n

B\u1eb1ng c\u00e1ch cung c\u1ea5p gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng, LearnLux gi\u00fap ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m h\u1ecd c\u1ea7n v\u00e0 t\u1ea1i sao.\nNh\u1eefng kh\u00e1ch h\u00e0ng \u0111\u00f3 sau \u0111\u00f3 c\u00f3 th\u1ec3 \u0111\u00f3ng m\u1ed9t vai tr\u00f2 t\u00edch c\u1ef1c h\u01a1n trong vi\u1ec7c c\u00f3 \u0111\u01b0\u1ee3c ph\u1ea1m vi b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a m\u00e0 h\u1ecd mu\u1ed1n. <\/p>\n\n

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

Omni: us: Tuy\u00ean b\u1ed1 \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi AI<\/h2>\n\n

Tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o c\u00f3 th\u1ec3 bi\u1ebfn \u0111\u1ed5i m\u1ed9t s\u1ed1 ng\u00e0nh c\u00f4ng nghi\u1ec7p b\u1eb1ng c\u00e1ch cho ph\u00e9p c\u00e1c c\u00f4ng ty gi\u1ea3i quy\u1ebft c\u00e1c nhi\u1ec7m v\u1ee5 nh\u01b0 tr\u00edch xu\u1ea5t v\u00e0 ph\u00e2n lo\u1ea1i d\u1eef li\u1ec7u.\nC\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech c\u1ee7a \u0110\u1ee9c Omni: us \u0111ang kh\u00e1m ph\u00e1 c\u00e1c c\u00e1ch \u0111\u1ec3 t\u1ea1o ra m\u1ed9t quy tr\u00ecnh y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng d\u1ef1a tr\u00ean d\u1eef li\u1ec7u nhi\u1ec1u h\u01a1n, Sofie Quidenus-Wahlforss<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 CEO c\u1ee7a Omni: us cho bi\u1ebft. <\/p>\n\n

C\u00e1c c\u00f4ng c\u1ee5 d\u1ef1a tr\u00ean AI c\u1ee7a Omni: us<\/a> t\u00ecm c\u00e1ch gi\u1ea3i quy\u1ebft s\u1ef1 gi\u00e1n \u0111o\u1ea1n ch\u00ednh: Nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a h\u01a1n.\n“C\u00e1ch ti\u1ebfp c\u1eadn d\u1ef1a tr\u00ean d\u1eef li\u1ec7u s\u00e2u c\u1ee7a ch\u00fang t\u00f4i cho ph\u00e9p c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd v\u00e0 tung ra c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 m\u1edbi \u1edf c\u1ea5p \u0111\u1ed9 c\u00e1 nh\u00e2n v\u00e0 ri\u00eang bi\u1ec7t h\u01a1n”, Quidenus-Wahlforss n\u00f3i. <\/p>\n\n

AI c\u0169ng l\u00e0 vi\u1ebft t\u1eaft c\u1ee7a vi\u1ec7c m\u1edf r\u1ed9ng kinh doanh cho ng\u00e0nh b\u1ea3o hi\u1ec3m.\nHi\u1ec7n nay, c\u00e1c h\u1ee3p \u0111\u1ed3ng c\u00f3 gi\u00e1 tr\u1ecb h\u00e0ng n\u0103m th\u1ea5p hi\u1ebfm khi x\u1ee9ng \u0111\u00e1ng v\u1edbi th\u1eddi gian v\u00e0 c\u00f4ng s\u1ee9c \u0111\u1ec3 c\u00e1c chuy\u00ean gia b\u1ea3o hi\u1ec3m con ng\u01b0\u1eddi ph\u00e2n t\u00edch ho\u1eb7c vi\u1ebft.\nTuy nhi\u00ean, AI c\u1ee7a Omni: us “c\u00f3 th\u1ec3 ph\u00e2n t\u00edch c\u00e1c ch\u00ednh s\u00e1ch v\u1edbi gi\u00e1 tr\u1ecb h\u00e0ng n\u0103m ch\u1ec9 250 euro”, Mike Butcher<\/a> vi\u1ebft t\u1ea1i TechCrunch. <\/p>\n\n

TowerIQ: T\u1eadn d\u1ee5ng s\u1ef1 t\u00f2 m\u00f2 k\u1ef9 thu\u1eadt s\u1ed1 t\u00edch h\u1ee3p<\/h2>\n\n

Khi c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 bi\u1ebfn \u0111\u1ed5i m\u1ecdi kh\u00eda c\u1ea1nh trong cu\u1ed9c s\u1ed1ng c\u1ee7a ch\u00fang ta, nhi\u1ec1u chuy\u00ean gia b\u1ea3o hi\u1ec3m \u0111\u00e3 ph\u00e1t tri\u1ec3n m\u1ed1i quan t\u00e2m c\u1ee7a ri\u00eang h\u1ecd trong vi\u1ec7c kh\u00e1m ph\u00e1 c\u00e1c c\u00e1ch \u00e1p d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y v\u00e0o c\u00f4ng vi\u1ec7c c\u1ee7a h\u1ecd.\nC\u00f4ng ty kh\u1edfi nghi\u1ec7p Insurtech TowerIQ<\/a> cung c\u1ea5p cho h\u1ecd ph\u01b0\u01a1ng ti\u1ec7n \u0111\u1ec3 l\u00e0m \u0111i\u1ec1u \u0111\u00f3. <\/p>\n\n

“TowerIQ mang \u0111\u1ebfn m\u1ed9t th\u1ebf h\u1ec7 m\u1edbi c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi b\u1ecb \u00e1m \u1ea3nh b\u1edfi kh\u00e1ch h\u00e0ng, tham gia k\u1ef9 thu\u1eadt s\u1ed1, MGA, c\u00f4ng ty t\u00e1i b\u1ea3o hi\u1ec3m, nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 (v\u00e0 kh\u00e1ch h\u00e0ng) \u0111\u1ec3 x\u00e2y d\u1ef1ng v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a qu\u00e1 tr\u00ecnh x\u1eed l\u00fd tr\u1ef1c ti\u1ebfp trong khi hi\u1ec3n th\u1ecb th\u00f4ng tin chi ti\u1ebft v\u1ec1 c\u00e1c c\u01a1 h\u1ed9i kinh doanh m\u1edbi”, trang web c\u1ee7a insurtech cho bi\u1ebft. <\/p>\n\n

\u0110\u00e2y l\u00e0 m\u1ed9t n\u1ec1n t\u1ea3ng \u01b0u ti\u00ean nh\u00e0 m\u00f4i gi\u1edbi t\u00ecm c\u00e1ch trao quy\u1ec1n cho c\u00e1c nh\u00e0 m\u00f4i gi\u1edbi v\u00e0 nh\u1eefng ng\u01b0\u1eddi h\u1ecd l\u00e0m vi\u1ec7c c\u00f9ng b\u1eb1ng c\u00e1ch cung c\u1ea5p tr\u1ea3i nghi\u1ec7m k\u1ef9 thu\u1eadt s\u1ed1 t\u1eeb \u0111\u1ea7u \u0111\u1ebfn cu\u1ed1i, John Carione<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch ti\u1ebfp th\u1ecb t\u1ea1i TowerIQ cho bi\u1ebft.<\/p>\n\n

\u0110\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ee5c ti\u00eau n\u00e0y, nh\u00f3m TowerIQ \u0111\u00e3 th\u1ef1c hi\u1ec7n m\u1ed9t s\u1ed1 b\u01b0\u1edbc b\u1ea5t ng\u1edd, bao g\u1ed3m vi\u1ec7c ra m\u1eaft phi\u00ean b\u1ea3n m\u1edbi mi\u1ec5n ph\u00ed c\u1ee7a n\u1ec1n t\u1ea3ng, d\u1ef1 ki\u1ebfn v\u00e0o th\u00e1ng 1 n\u0103m 2020.\nM\u1ee5c ti\u00eau, Carione n\u00f3i, l\u00e0 s\u1eed d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ec3 d\u00e2n ch\u1ee7 h\u00f3a qu\u00e1 tr\u00ecnh mua b\u1ea3o hi\u1ec3m.\n“Nh\u1eefng ng\u00e0y g\u1eedi email b\u1ea3ng t\u00ednh kh\u00f4ng th\u1ec3 theo d\u00f5i, fax t\u00e0i li\u1ec7u gi\u1ea5y v\u00e0 nh\u1eadp l\u1ea1i d\u1eef li\u1ec7u theo c\u00e1ch th\u1ee7 c\u00f4ng v\u00e0o c\u00e1c t\u1ec7p PDF \u0111\u00e3 qua, v\u00ec towerIQ hi\u1ec7n \u0111\u00e3 lo\u1ea1i b\u1ecf t\u1ea5t c\u1ea3 c\u00e1c r\u00e0o c\u1ea3n \u0111\u1ed1i v\u1edbi vi\u1ec7c s\u1ed1 h\u00f3a c\u00e1c \u1ee9ng d\u1ee5ng c\u1ee7a kh\u00e1ch h\u00e0ng.” <\/p>\n\n

M\u1ed9t v\u1ea5n \u0111\u1ec1, nhi\u1ec1u gi\u1ea3i ph\u00e1p<\/h2>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u01a1ng nhi\u1ec7m v\u00e0 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech c\u00f3 xu h\u01b0\u1edbng \u0111\u1ed3ng \u00fd v\u1ec1 c\u00e1c v\u1ea5n \u0111\u1ec1 h\u00e0ng \u0111\u1ea7u m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C ph\u1ea3i \u0111\u1ed1i m\u1eb7t.\nCh\u00fang bao g\u1ed3m nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 c\u00e1 nh\u00e2n h\u00f3a l\u1edbn h\u01a1n v\u00e0 nhu c\u1ea7u b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh v\u00e0 x\u1eed l\u00fd khi\u1ebfu n\u1ea1i t\u1ed1t h\u01a1n khi \u0111\u1ed1i m\u1eb7t v\u1edbi c\u00e1c m\u00f4 h\u00ecnh v\u1eadn chuy\u1ec3n v\u00e0 kh\u00ed h\u1eadu thay \u0111\u1ed5i. <\/p>\n\n

Insurtechs ti\u00eam m\u1ed9t li\u1ec1u l\u01b0\u1ee3ng s\u00e1ng t\u1ea1o r\u1ea5t c\u1ea7n thi\u1ebft v\u00e0o qu\u00e1 tr\u00ecnh n\u00e0y.\n\u0110\u1ed1i v\u1edbi m\u1ed7i m\u1ed9t v\u1ea5n \u0111\u1ec1, nh\u01b0 nhu c\u1ea7u c\u00e1 nh\u00e2n h\u00f3a c\u1ee7a kh\u00e1ch h\u00e0ng, insurtech cung c\u1ea5p h\u00e0ng t\u00e1 c\u00e2u tr\u1ea3 l\u1eddi.\nB\u1eb1ng c\u00e1ch xem c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p n\u00e0y gi\u1ea3i quy\u1ebft c\u00f9ng m\u1ed9t v\u1ea5n \u0111\u1ec1 theo nh\u1eefng c\u00e1ch kh\u00e1c nhau, c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 P&C \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp c\u00f3 th\u1ec3 x\u00e1c \u0111\u1ecbnh c\u00e1c c\u01a1 h\u1ed9i ph\u00f9 h\u1ee3p v\u1edbi ph\u01b0\u01a1ng ph\u00e1p kinh doanh \u0111\u00e3 \u0111\u01b0\u1ee3c th\u1eed nghi\u1ec7m v\u00e0 th\u1ef1c s\u1ef1 c\u1ee7a h\u1ecd. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: Wavebreak Media Ltd\/\u00a9123RF.com, bowie15\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p Insurtech ti\u1ebfp t\u1ee5c ph\u00e1 v\u1ee1 ng\u00e0nh b\u1ea3o hi\u1ec3m khi h\u1ecd kh\u00e1m ph\u00e1 c\u00e1c c\u00e1ch \u00e1p d\u1ee5ng c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn v\u00e0o c\u00e1c th\u00e1ch th\u1ee9c b\u1ea3o hi\u1ec3m ch\u00ednh. Nhi\u1ec1u trong s\u1ed1 nh\u1eefng gi\u00e1n \u0111o\u1ea1n m\u1edbi n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u00e2n lo\u1ea1i theo m\u1ed9t v\u00e0i ti\u00eau \u0111\u1ec1 c\u01a1 b\u1ea3n. Ch\u00fang bao g\u1ed3m […]<\/p>\n","protected":false},"featured_media":7723,"template":"","insight-category":[],"class_list":["post-20919","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20919","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\/7723"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20919"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20919"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}