{"id":20988,"date":"2024-09-30T14:16:08","date_gmt":"2024-09-30T19:16:08","guid":{"rendered":"https:\/\/bolttech.io\/insights\/cung-nhau-tot-hon-cac-lua-chon-bao-hiem-di-kem-thu-hut-khach-hang-pc-nhu-the-nao\/"},"modified":"2024-09-30T14:16:17","modified_gmt":"2024-09-30T19:16:17","slug":"cung-nhau-tot-hon-cac-lua-chon-bao-hiem-di-kem-thu-hut-khach-hang-pc-nhu-the-nao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/cung-nhau-tot-hon-cac-lua-chon-bao-hiem-di-kem-thu-hut-khach-hang-pc-nhu-the-nao\/","title":{"rendered":"C\u00f9ng nhau t\u1ed1t h\u01a1n: C\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m \u0111i k\u00e8m thu h\u00fat kh\u00e1ch h\u00e0ng P&C nh\u01b0 th\u1ebf n\u00e0o"},"content":{"rendered":"\n

C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m k\u1ebft h\u1ee3p c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m li\u00ean quan cho m\u1ed9t kh\u00e1ch h\u00e0ng.\nV\u00ed d\u1ee5, nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m nh\u00e0 v\u00e0 \u00f4 t\u00f4 \u0111i k\u00e8m.\nC\u00e1c doanh nghi\u1ec7p c\u00f3 th\u1ec3 t\u00ecm ki\u1ebfm tr\u00e1ch nhi\u1ec7m chung \u0111i k\u00e8m, t\u00e0i s\u1ea3n v\u00e0 m\u1ea5t b\u1ea3o hi\u1ec3m thu nh\u1eadp. <\/p>\n\n

\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u00e1c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m \u0111i k\u00e8m \u0111\u1ea1i di\u1ec7n cho ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ed5 sung gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng.\nH\u1ecd c\u0169ng c\u00f3 th\u1ec3 c\u1ea3i thi\u1ec7n l\u00f2ng trung th\u00e0nh c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 cung c\u1ea5p m\u1ed9t c\u01a1 s\u1edf th\u00f4ng tin r\u1ed9ng h\u01a1n \u0111\u1ec3 hi\u1ec3u mong mu\u1ed1n c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 r\u1ee7i ro b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh, Caroline Banton<\/a> t\u1ea1i Investopedia n\u00f3i. <\/p>\n\n

Kh\u00e1ch h\u00e0ng c\u0169ng th\u00edch s\u1ef1 \u0111\u01a1n gi\u1ea3n \u0111i k\u00e8m v\u1edbi c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m \u0111i k\u00e8m, Stacy Johnson<\/a>, ng\u01b0\u1eddi d\u1eabn ch\u01b0\u01a1ng tr\u00ecnh podcast 2-Minute Money Manager cho bi\u1ebft.\nT\u00f9y ch\u1ecdn l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m duy nh\u1ea5t cho t\u1ea5t c\u1ea3 c\u00e1c nhu c\u1ea7u b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd th\u1ec3 hi\u1ec7n gi\u00e1 tr\u1ecb gia t\u0103ng \u0111\u00e1ng k\u1ec3 cho nhi\u1ec1u kh\u00e1ch h\u00e0ng. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c \u0111\u00f3ng g\u00f3i b\u1eb1ng c\u00e1ch t\u1eadp trung v\u00e0o c\u00e1c y\u1ebfu t\u1ed1 t\u01b0\u01a1ng t\u1ef1 l\u00e0m n\u1ec1n t\u1ea3ng cho m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd trong to\u00e0n ng\u00e0nh: giao ti\u1ebfp m\u1ea1nh m\u1ebd v\u00e0 d\u1ec5 s\u1eed d\u1ee5ng.\nKhi hai y\u1ebfu t\u1ed1 n\u00e0y \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng, c\u00e1c ch\u00ednh s\u00e1ch \u0111i k\u00e8m c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng thu h\u00fat c\u1ea3 kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 th\u01b0\u01a1ng m\u1ea1i ngay c\u1ea3 khi ti\u1ebft ki\u1ec7m \u00edt. <\/p>\n\n

G\u00f3i c\u01a1 b\u1ea3n: K\u1ebft h\u1ee3p ch\u00ednh s\u00e1ch gia \u0111\u00ecnh v\u00e0 t\u1ef1 \u0111\u1ed9ng<\/h2>\n\n

Kh\u00e1ch h\u00e0ng th\u01b0\u1eddng t\u00ecm c\u00e1ch g\u00f3i c\u00e1c ch\u00ednh s\u00e1ch nh\u00e0 v\u00e0 \u00f4 t\u00f4 \u0111\u1ec3 ti\u1ebft ki\u1ec7m ti\u1ec1n.\nN\u00f3 c\u0169ng l\u00e0m gi\u1ea3m c\u0103ng th\u1eb3ng c\u1ee7a vi\u1ec7c c\u00f3 \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1eb1ng c\u00e1ch ch\u1ec9 l\u00e0m vi\u1ec7c v\u1edbi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nDo \u0111\u00f3, nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadp trung v\u00e0o vi\u1ec7c b\u00e1n kh\u00eda c\u1ea1nh ti\u1ebft ki\u1ec7m chi ph\u00ed c\u1ee7a g\u00f3i.\nChi\u1ebfn l\u01b0\u1ee3c n\u00e0y b\u1ecf qua c\u00e1c c\u01a1 h\u1ed9i gia t\u0103ng gi\u00e1 tr\u1ecb b\u1eb1ng c\u00e1ch c\u1ea3i thi\u1ec7n giao ti\u1ebfp v\u1edbi kh\u00e1ch h\u00e0ng ho\u1eb7c b\u1eb1ng c\u00e1ch l\u00e0m cho c\u00e1c g\u00f3i d\u1ec5 mua h\u01a1n c\u00e1c ch\u00ednh s\u00e1ch ri\u00eang bi\u1ec7t. <\/p>\n\n

Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec1u c\u00f3 th\u1ec3 \u0111\u1ea3m b\u1ea3o r\u1eb1ng m\u1ecdi kh\u00e1ch h\u00e0ng \u0111i k\u00e8m s\u1ebd ti\u1ebft ki\u1ec7m ti\u1ec1n.<\/p>\n\n

“Th\u1ef1c t\u1ebf l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 cung c\u1ea5p cho b\u1ea1n b\u1ea3o hi\u1ec3m nh\u00e0 chi ph\u00ed th\u1ea5p nh\u1ea5t r\u1ea5t c\u00f3 th\u1ec3 kh\u00f4ng ph\u1ea3i l\u00e0 ng\u01b0\u1eddi c\u00f3 th\u1ec3 cung c\u1ea5p cho b\u1ea1n b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 chi ph\u00ed th\u1ea5p nh\u1ea5t”, Kyle Nakatsuji<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a Clearcover n\u00f3i.<\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p c\u00e1c g\u00f3i v\u1eabn c\u00f3 th\u1ec3 l\u00e0m cho ch\u00fang h\u1ea5p d\u1eabn \u0111\u1ed1i v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng kh\u00f4ng th\u1ef1c s\u1ef1 ti\u1ebft ki\u1ec7m ti\u1ec1n cho m\u1ed9t ho\u1eb7c nhi\u1ec1u ch\u00ednh s\u00e1ch c\u00f3 trong g\u00f3i.\nTruy\u1ec1n \u0111\u1ea1t r\u00f5 r\u00e0ng gi\u00e1 tr\u1ecb c\u1ee7a g\u00f3i (ti\u1ebft ki\u1ec7m th\u1eddi gian v\u00e0 c\u1ea3i thi\u1ec7n m\u1ed1i quan h\u1ec7 gi\u1eefa kh\u00e1ch h\u00e0ng v\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m) c\u00f3 th\u1ec3 gi\u00fap kh\u00e1ch h\u00e0ng n\u1eafm b\u1eaft n\u00f3. <\/p>\n\n

\u0110\u1ec3 th\u00fac \u0111\u1ea9y b\u1ea3o hi\u1ec3m theo g\u00f3i, nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e3 th\u1ef1c hi\u1ec7n ph\u01b0\u01a1ng ph\u00e1p b\u00e1n th\u00eam.\nV\u00ed d\u1ee5, m\u1ed9t kh\u00e1ch h\u00e0ng v\u1eeba mua b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u0169ng nh\u1eadn \u0111\u01b0\u1ee3c th\u00f4ng tin v\u1ec1 ch\u00ednh s\u00e1ch ch\u1ee7 nh\u00e0 v\u00e0 ng\u01b0\u1eddi thu\u00ea nh\u00e0 c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

M\u1eb7c d\u00f9 c\u00e1ch ti\u1ebfp c\u1eadn b\u00e1n th\u00eam c\u00f3 th\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng \u0111ang t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m \u0111\u01a1n gi\u1ea3n, nh\u01b0ng n\u00f3 kh\u00f4ng ph\u1ea3i l\u00fac n\u00e0o c\u0169ng l\u00e0 l\u1ef1a ch\u1ecdn t\u1ed1t nh\u1ea5t cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd, Pat Howard<\/a> t\u1ea1i Policygenius n\u00f3i.\nKhi g\u00f3i ch\u1ec9 \u0111\u1ec3 ti\u1ebft ki\u1ec7m ti\u1ec1n, kh\u00e1ch h\u00e0ng kh\u00f4ng t\u1eadp trung v\u00e0o vi\u1ec7c xem x\u00e9t ch\u00ednh s\u00e1ch.\n\u0110i\u1ec1u n\u00e0y l\u00e0m cho h\u1ecd \u00edt c\u00f3 kh\u1ea3 n\u0103ng mua \u0111\u1ea7y \u0111\u1ee7 ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd th\u1ef1c s\u1ef1 c\u1ea7n. <\/p>\n\n

Thay v\u00e0o \u0111\u00f3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c bi\u1ebfn c\u00e1c g\u00f3i th\u00e0nh m\u1ed9t l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m ch\u00ednh.\nThay v\u00ec b\u00e1n th\u00eam b\u1ea3o hi\u1ec3m b\u1ed5 sung trong ho\u1eb7c sau khi giao d\u1ecbch, h\u00e3y cho ph\u00e9p kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm c\u00e1c t\u00f9y ch\u1ecdn g\u00f3i ngay t\u1eeb \u0111\u1ea7u.\nMua h\u00e0ng k\u1ebft h\u1ee3p cho ph\u00e9p kh\u00e1ch h\u00e0ng ch\u1ecdn ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd trong m\u1ed7i ch\u00ednh s\u00e1ch c\u0169ng c\u00f3 th\u1ec3 t\u0103ng th\u00eam gi\u00e1 tr\u1ecb v\u00e0 khuy\u1ebfn kh\u00edch kh\u00e1ch h\u00e0ng g\u1eafn b\u00f3 v\u1edbi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m. <\/p>\n\n

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

G\u00f3i th\u01b0\u01a1ng m\u1ea1i: Tr\u00e1ch nhi\u1ec7m chung, t\u00e0i s\u1ea3n v\u00e0 m\u1ea5t thu nh\u1eadp<\/h2>\n\n

Ch\u1ee7 nh\u00e0 v\u00e0 ch\u1ee7 doanh nghi\u1ec7p c\u0169ng t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong.\nM\u1ed9t th\u1ef1c th\u1ec3 th\u01b0\u01a1ng m\u1ea1i c\u00f3 th\u1ec3 t\u00ecm ki\u1ebfm m\u1ed9t s\u1ed1 ch\u00ednh s\u00e1ch, bao g\u1ed3m b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m chung, b\u1ea3o hi\u1ec3m thi\u1ec7t h\u1ea1i t\u00e0i s\u1ea3n v\u00e0 b\u1ea3o hi\u1ec3m m\u1ea5t thu nh\u1eadp.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m ph\u1ee5c v\u1ee5 cho nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y c\u0169ng c\u00f3 th\u1ec3 h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c cung c\u1ea5p c\u00e1c g\u00f3i. <\/p>\n\n

M\u1ed9t v\u1ea5n \u0111\u1ec1 v\u1edbi b\u1ea3o hi\u1ec3m \u0111i k\u00e8m, t\u1eeb quan \u0111i\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng, l\u00e0 r\u1ea5t kh\u00f3 \u0111\u1ec3 bi\u1ebft li\u1ec7u ch\u00ednh s\u00e1ch c\u00f3 th\u1ef1c s\u1ef1 l\u00e0m nh\u1eefng g\u00ec n\u00f3 c\u1ea7n l\u00e0m cho \u0111\u1ebfn khi t\u1ed5n th\u1ea5t x\u1ea3y ra hay kh\u00f4ng, Jeff Rose<\/a> t\u1ea1i Good Financial Cents n\u00f3i.<\/p>\n\n

“V\u00ec b\u1ea1n kh\u00f4ng s\u1eed d\u1ee5ng [your insurance every month], b\u1ea1n s\u1ebd kh\u00f4ng nh\u1eadn \u0111\u01b0\u1ee3c ph\u1ea3n h\u1ed3i ngay l\u1eadp t\u1ee9c v\u1ec1 ch\u1ea5t l\u01b0\u1ee3ng b\u1ea3o hi\u1ec3m b\u1ea1n \u0111ang mua v\u00e0 c\u00e1ch n\u00f3 ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u thay \u0111\u1ed5i c\u1ee7a b\u1ea1n.\nB\u1ea1n s\u1ebd kh\u00f4ng \u0111\u01b0\u1ee3c nh\u1eafc mua b\u1ea3o hi\u1ec3m b\u1ed5 sung ho\u1eb7c nh\u1eadn \u0111\u01b0\u1ee3c m\u1ed9t ch\u00ednh s\u00e1ch ho\u00e0n to\u00e0n kh\u00e1c, “Rose n\u00f3i. ” <\/p>\n\n

Vi\u1ec7c thi\u1ebfu s\u1ef1 th\u00edch \u1ee9ng theo th\u1eddi gian c\u00f3 th\u1ec3 khi\u1ebfn m\u1ed9t s\u1ed1 kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m th\u01b0\u01a1ng m\u1ea1i ng\u1ea7n ng\u1ea1i khi \u0111\u00f3ng g\u00f3i b\u1ea3o hi\u1ec3m.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft v\u1ea5n \u0111\u1ec1 n\u00e0y b\u1eb1ng c\u00e1ch theo d\u00f5i nhu c\u1ea7u kinh doanh th\u01b0\u01a1ng m\u1ea1i v\u00e0 giao ti\u1ebfp v\u00e0o \u0111\u00fang th\u1eddi \u0111i\u1ec3m. <\/p>\n\n

Giao ti\u1ebfp v\u00e0 k\u1ebft h\u1ee3p qua s\u1ef1 ph\u00e2n chia c\u00e1 nh\u00e2n \/ th\u01b0\u01a1ng m\u1ea1i<\/h2>\n\n

Ch\u1ee7 doanh nghi\u1ec7p v\u00e0 ch\u1ee7 nh\u00e0 m\u1edbi th\u01b0\u1eddng c\u00f3 \u00fd th\u1ee9c r\u00f5 r\u00e0ng v\u1ec1 nhu c\u1ea7u b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n c\u1ee7a h\u1ecd, nh\u01b0ng kh\u00f4ng hi\u1ec3u nhu c\u1ea7u c\u1ee7a c\u00e1c ho\u1ea1t \u0111\u1ed9ng t\u1ea1o thu nh\u1eadp c\u1ee7a h\u1ecd.\nGiao ti\u1ebfp t\u1ed1t 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 ch\u1ee7 doanh nghi\u1ec7p ho\u1eb7c ch\u1ee7 nh\u00e0 m\u1edbi. <\/p>\n\n

V\u00ed d\u1ee5: “ch\u1ee7 nh\u00e0 m\u1edbi l\u00e0m quen, l\u1ea7n \u0111\u1ea7u ti\u00ean thu\u00ea t\u00e0i s\u1ea3n nh\u00e0 \u1edf (nh\u00e0, nh\u00e0 ngh\u1ec9, c\u0103n h\u1ed9), c\u00f3 th\u1ec3 cho r\u1eb1ng b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 c\u1ee7a h\u1ecd s\u1ebd chi tr\u1ea3 t\u1ea5t c\u1ea3 c\u00e1c chi ph\u00ed trong tr\u01b0\u1eddng h\u1ee3p thi\u00ean tai, tai n\u1ea1n ho\u1eb7c c\u00e1c s\u1ef1 ki\u1ec7n g\u00e2y thi\u1ec7t h\u1ea1i kh\u00e1c. \u0110\u00f3 l\u00e0 m\u1ed9t sai l\u1ea7m c\u1ee7a t\u00e2n binh”, Steven Richmond<\/a> t\u1ea1i Investopedia n\u00f3i.<\/p>\n\n

Ch\u1ee7 nh\u00e0 m\u1edbi ho\u1eb7c ch\u1ee7 doanh nghi\u1ec7p nh\u1ecf m\u1edbi \u0111\u1ea1i di\u1ec7n cho c\u01a1 h\u1ed9i t\u1ea1o ra c\u00e1c g\u00f3i cung c\u1ea5p s\u1ef1 quen thu\u1ed9c c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00e0 v\u00e0 \u00f4 t\u00f4, k\u1ebft h\u1ee3p v\u1edbi s\u1ef1 tin t\u01b0\u1edfng v\u00e0 h\u1ee3p t\u00e1c c\u1ee7a m\u1ed1i quan h\u1ec7 kinh doanh v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n\n

V\u00ed d\u1ee5, ch\u1ee7 nh\u00e0 ch\u1ec9 cho thu\u00ea m\u1ed9t ho\u1eb7c hai t\u00e0i s\u1ea3n kh\u00e1c c\u00f3 th\u1ec3 mu\u1ed1n k\u1ebft h\u1ee3p b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 v\u1edbi ch\u00ednh s\u00e1ch nh\u00e0 v\u00e0 \u00f4 t\u00f4, Nathan Barber<\/a> t\u1ea1i Capterra n\u00f3i.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 thu h\u00fat doanh nghi\u1ec7p b\u1eb1ng c\u00e1ch nh\u1ea5n m\u1ea1nh s\u1ef1 d\u1ec5 d\u00e0ng c\u1ee7a vi\u1ec7c k\u1ebft h\u1ee3p b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 v\u1edbi c\u00e1c ch\u00ednh s\u00e1ch \u0111\u00e3 quen thu\u1ed9c. <\/p>\n\n

Khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1eadn d\u1ee5ng c\u00e1c c\u00f4ng c\u1ee5 ph\u00e2n t\u00edch d\u1eef li\u1ec7u m\u1ea1nh m\u1ebd, vi\u1ec7c ph\u00e1t hi\u1ec7n ra nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 \u0111ang t\u00ecm c\u00e1ch cung c\u1ea5p t\u00e0i s\u1ea3n cho thu\u00ea s\u1ebd d\u1ec5 d\u00e0ng h\u01a1n.\nB\u1eb1ng c\u00e1ch ti\u1ebfp c\u1eadn v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 ch\u1ee9ng minh gi\u00e1 tr\u1ecb b\u1eb1ng c\u00e1ch gi\u00fap h\u1ecd hi\u1ec3u nhu c\u1ea7u b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd – v\u00e0 c\u1ee7ng c\u1ed1 m\u1ed1i quan h\u1ec7 b\u1eb1ng c\u00e1ch cung c\u1ea5p b\u1ea3o hi\u1ec3m \u0111\u00f3. <\/p>\n\n

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

\u0110\u1ec3 g\u00f3i hi\u1ec7u qu\u1ea3, h\u00e3y t\u1eadp trung v\u00e0o n\u1ec1n t\u1ea3ng<\/h2>\n\n

Charlotte Burr<\/a>, ch\u1ee7 s\u1edf h\u1eefu c\u1ee7a Nh\u00f3m B\u1ea3o hi\u1ec3m AZ, n\u00f3i r\u1eb1ng g\u00f3i gi\u00fap t\u0103ng kh\u1ea3 n\u0103ng gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng.<\/p>\n\n

“C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, n\u00f3i chung, th\u1ea5y r\u1eb1ng nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 nhi\u1ec1u h\u01a1n m\u1ed9t ng\u00e0nh ngh\u1ec1 kinh doanh v\u1edbi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 xu h\u01b0\u1edbng \u1ed5n \u0111\u1ecbnh h\u01a1n v\u00e0 c\u00f3 xu h\u01b0\u1edbng g\u1eafn b\u00f3 l\u00e2u h\u01a1n.”<\/p>\n\n

M\u1ed1i quan h\u1ec7 l\u00e2u d\u00e0i n\u00e0y \u0111\u01b0\u1ee3c th\u00fac \u0111\u1ea9y b\u1edfi giao ti\u1ebfp m\u1ea1nh m\u1ebd v\u00e0 d\u1ec5 d\u00e0ng ph\u1ee5c v\u1ee5.\nNh\u00ecn chung, s\u1ef1 h\u00e0i l\u00f2ng c\u1ee7a kh\u00e1ch h\u00e0ng cao h\u01a1n \u1edf nh\u1eefng kh\u00e1ch h\u00e0ng k\u1ebft h\u1ee3p h\u1ee3p \u0111\u1ed3ng v\u1edbi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m so v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng mua h\u1ee3p \u0111\u1ed3ng t\u1eeb m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m.\nTuy nhi\u00ean, truy\u1ec1n th\u00f4ng c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u1ec1 c\u00e1c t\u00f9y ch\u1ecdn g\u00f3i v\u00e0 l\u1ee3i \u00edch c\u00f3 t\u00e1c \u0111\u1ed9ng m\u1ea1nh m\u1ebd \u0111\u1ebfn vi\u1ec7c kh\u00e1ch h\u00e0ng c\u00f3 t\u1eadn d\u1ee5ng c\u00e1c t\u00f9y ch\u1ecdn g\u00f3i hay kh\u00f4ng, Valerie Monet<\/a>, gi\u00e1m \u0111\u1ed1c th\u1ef1c h\u00e0nh b\u1ea3o hi\u1ec3m t\u1ea1i J.D. Supra cho bi\u1ebft. <\/p>\n\n

\u00d4ng n\u00f3i th\u00eam r\u1eb1ng kh\u00e1ch h\u00e0ng millennials “m\u1edf g\u00f3i \u0111\u1ec3 nh\u1eadn \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 gi\u00e1 t\u1ed1t h\u01a1n th\u01b0\u1eddng xuy\u00ean h\u01a1n so v\u1edbi Boomers, nh\u1ea5n m\u1ea1nh t\u1ea7m quan tr\u1ecdng c\u1ee7a truy\u1ec1n th\u00f4ng \u0111\u01a1n gi\u1ea3n v\u1ec1 gi\u00e1 c\u1ea3, c\u0169ng nh\u01b0 ch\u00ednh s\u00e1ch v\u00e0 nh\u1eefng g\u00ec n\u00f3 bao g\u1ed3m.”<\/p>\n\n

Kh\u00e1ch h\u00e0ng g\u00f3i d\u1ecbch v\u1ee5 d\u1ec5 d\u00e0ng h\u01a1n c\u00f3 th\u1ec3 tr\u1edf n\u00ean th\u1ea5t v\u1ecdng v\u00e0 t\u1eeb b\u1ecf quy tr\u00ecnh n\u1ebfu vi\u1ec7c mua b\u1ea3o hi\u1ec3m \u0111i k\u00e8m c\u0169ng kh\u00f4ng hi\u1ec7u qu\u1ea3 h\u01a1n.\nV\u00ed d\u1ee5, ban \u0111\u1ea7u Progressive ph\u1ea3i v\u1eadt l\u1ed9n v\u1edbi c\u00f4ng c\u1ee5 b\u00e1o gi\u00e1 \u0111a s\u1ea3n ph\u1ea9m c\u1ee7a m\u00ecnh: Kh\u00e1ch h\u00e0ng ph\u1ea3i nh\u1eadp th\u00f4ng tin c\u1ee7a h\u1ecd m\u1ed9t c\u00e1ch ri\u00eang bi\u1ec7t cho b\u1ea3o hi\u1ec3m nh\u00e0 v\u00e0 \u00f4 t\u00f4, ngay c\u1ea3 khi c\u1ed1 g\u1eafng mua c\u1ea3 hai trong c\u00f9ng m\u1ed9t giao d\u1ecbch, Tom Super<\/a> c\u1ee7a J.D. Power cho bi\u1ebft. <\/p>\n\n

Trong khi s\u1ef1 h\u00e0i l\u00f2ng c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m \u0111\u00e3 t\u0103ng l\u00ean trong nh\u1eefng n\u0103m g\u1ea7n \u0111\u00e2y, “c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00ean l\u01b0u \u00fd r\u1eb1ng s\u1edf th\u00edch t\u01b0\u01a1ng t\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 t\u0103ng \u0111\u00e1ng k\u1ec3 trong v\u00e0i n\u0103m”, Robert Lajdziak<\/a>, c\u1ed1 v\u1ea5n kinh doanh cho J.D. Power cho bi\u1ebft.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u1ee5t h\u1eadu trong vi\u1ec7c cung c\u1ea5p c\u00e1c n\u1ec1n t\u1ea3ng k\u1ef9 thu\u1eadt s\u1ed1 h\u1ee3p l\u00fd \u0111\u1ec3 kh\u00e1ch h\u00e0ng s\u1eed d\u1ee5ng c\u00f3 th\u1ec3 th\u1ea5y kh\u00e1ch h\u00e0ng c\u1ee7a h\u1ecd tr\u00f4i d\u1ea1t sang c\u00e1c c\u00f4ng ty insurtech b\u1ea3n \u0111\u1ecba k\u1ef9 thu\u1eadt s\u1ed1. <\/p>\n\n

Do \u0111\u00f3, c\u00e1c g\u00f3i hi\u1ec7u qu\u1ea3 ph\u1ee5 thu\u1ed9c v\u00e0o c\u00f4ng ngh\u1ec7 h\u1ed7 tr\u1ee3 ch\u00fang \u0111\u1ec3 ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng.\nTr\u1ea3i nghi\u1ec7m \u0111a k\u00eanh \u0111\u01b0\u1ee3c s\u1eafp x\u1ebfp h\u1ee3p l\u00fd gi\u00fap kh\u00e1ch h\u00e0ng t\u1eadn d\u1ee5ng c\u00e1c t\u00f9y ch\u1ecdn g\u00f3i v\u00e0 n\u00f3 c\u0169ng gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ea3m b\u1ea3o r\u1eb1ng h\u1ecd \u0111ang cung c\u1ea5p b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p cho t\u1eebng kh\u00e1ch h\u00e0ng, b\u1ea5t k\u1ec3 t\u00ecnh h\u00ecnh nh\u00e0, \u00f4 t\u00f4 ho\u1eb7c kinh doanh c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c c\u1ea5u tr\u00fac nh\u01b0 th\u1ebf n\u00e0o. <\/p>\n\n

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

C\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m k\u1ebft h\u1ee3p c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m li\u00ean quan cho m\u1ed9t kh\u00e1ch h\u00e0ng. V\u00ed d\u1ee5, nhi\u1ec1u kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m nh\u00e0 v\u00e0 \u00f4 t\u00f4 \u0111i k\u00e8m. C\u00e1c doanh nghi\u1ec7p c\u00f3 th\u1ec3 t\u00ecm ki\u1ebfm tr\u00e1ch nhi\u1ec7m chung \u0111i k\u00e8m, t\u00e0i s\u1ea3n v\u00e0 m\u1ea5t b\u1ea3o hi\u1ec3m thu nh\u1eadp. \u0110\u1ed1i […]<\/p>\n","protected":false},"featured_media":6225,"template":"","insight-category":[],"class_list":["post-20988","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/20988","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\/6225"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=20988"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=20988"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}