{"id":21016,"date":"2024-09-30T14:16:34","date_gmt":"2024-09-30T19:16:34","guid":{"rendered":"https:\/\/bolttech.io\/insights\/mot-he-sinh-thai-bao-hiem-moi-lam-the-nao-cac-cong-ty-ke-thua-va-insurtech-co-the-hop-tac\/"},"modified":"2024-09-30T14:16:38","modified_gmt":"2024-09-30T19:16:38","slug":"mot-he-sinh-thai-bao-hiem-moi-lam-the-nao-cac-cong-ty-ke-thua-va-insurtech-co-the-hop-tac","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/mot-he-sinh-thai-bao-hiem-moi-lam-the-nao-cac-cong-ty-ke-thua-va-insurtech-co-the-hop-tac\/","title":{"rendered":"M\u1ed9t h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m m\u1edbi: L\u00e0m th\u1ebf n\u00e0o c\u00e1c c\u00f4ng ty k\u1ebf th\u1eeba v\u00e0 Insurtech c\u00f3 th\u1ec3 h\u1ee3p t\u00e1c"},"content":{"rendered":"\n

S\u1ef1 gi\u00e1n \u0111o\u1ea1n \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t thu\u1eadt ng\u1eef \u0111\u00e0m tho\u1ea1i quan tr\u1ecdng trong h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m m\u1edbi, th\u1ec3 hi\u1ec7n m\u1ed1i quan t\u00e2m c\u1ed1t l\u00f5i: Khi c\u00e1c c\u00f4ng ty insurtech kh\u00e1m ph\u00e1 ra nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp nh\u1eadn th\u1ea5y quan \u0111i\u1ec3m v\u00e0 ph\u01b0\u01a1ng ph\u00e1p \u0111\u00e1ng tin c\u1eady c\u1ee7a h\u1ecd b\u1ecb th\u00e1ch th\u1ee9c.<\/p>\n\n

Tuy nhi\u00ean, th\u00e1ch th\u1ee9c kh\u00f4ng c\u1ea7n ph\u1ea3i \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 m\u1ed9t m\u1ed1i \u0111e d\u1ecda.\n“Kh\u00f4ng ai c\u1ea7n ph\u1ea3i b\u1ecb gi\u00e1n \u0111o\u1ea1n tr\u1eeb khi h\u1ecd ch\u1ecdn”, Aly Dhalla<\/a>, CEO v\u00e0 \u0111\u1ed3ng s\u00e1ng l\u1eadp c\u1ee7a Finaeo n\u00f3i. <\/p>\n\n

Th\u1eadt v\u1eady, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ebf th\u1eeba tr\u1ea3i qua nhi\u1ec1u th\u00e0nh c\u00f4ng nh\u1ea5t l\u00e0 nh\u1eefng c\u00f4ng ty \u0111\u00e3 ch\u1ea5p nh\u1eadn kh\u1ea3 n\u0103ng c\u1ee7a insurtech \u0111\u1ec3 t\u1ea1o \u0111i\u1ec1u ki\u1ec7n cho s\u1ef1 thay \u0111\u1ed5i c\u01a1 b\u1ea3n, t\u1eadp trung.\nThay v\u00ec coi nhau l\u00e0 m\u1ed1i \u0111e d\u1ecda, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ebf th\u1eeba v\u00e0 c\u00e1c c\u00f4ng ty insurtech c\u00f3 th\u1ec3 t\u00ecm th\u1ea5y c\u00e1c th\u1ecfa thu\u1eadn m\u00e0 c\u1ea3 hai b\u00ean \u0111\u1ec1u th\u00e0nh c\u00f4ng. <\/p>\n\n

S\u1ed1ng trong k\u1ef7 nguy\u00ean \u0111\u1ed5i m\u1edbi b\u1ea3o hi\u1ec3m<\/h2>\n\n

Ng\u00e0y nay, kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 c\u00f3 g\u1ea7n nh\u01b0 b\u1ea5t k\u1ef3 m\u1eb7t h\u00e0ng n\u00e0o h\u1ecd c\u1ea7n giao \u0111\u1ebfn t\u1eadn nh\u00e0, ph\u1ea7n l\u1edbn nh\u1edd v\u00e0o c\u00e1c c\u00f4ng ty nh\u01b0 Amazon, c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a h\u1ecd \u0111\u00e3 khi\u1ebfn nhi\u1ec1u nh\u00e0 b\u00e1n l\u1ebb truy\u1ec1n th\u1ed1ng ph\u1ea3i v\u1eadt l\u1ed9n \u0111\u1ec3 th\u00edch nghi.<\/p>\n\n

Nh\u1eefng thay \u0111\u1ed5i do Amazon t\u1ea1o ra \u0111\u00e3 khi\u1ebfn m\u1ed9t s\u1ed1 nh\u00e0 b\u00ecnh lu\u1eadn cho r\u1eb1ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ebf th\u1eeba s\u1ebd s\u1edbm ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi s\u1ed1 ph\u1eadn t\u01b0\u01a1ng t\u1ef1.\n“N\u1ebfu m\u1ecdi ng\u01b0\u1eddi c\u00f3 th\u1ec3 mua kh\u0103n gi\u1ea5y tr\u00ean Internet, t\u1ea1i sao kh\u00f4ng mua b\u1ea3o hi\u1ec3m?”, Rakesh Gupta<\/a>, gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a biBERK \u0111\u1eb7t c\u00e2u h\u1ecfi. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp ng\u00e0y nay \u0111\u00e3 kh\u00f4ng c\u00f2n trong k\u1ef7 nguy\u00ean ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1.\nGi\u1ed1ng nh\u01b0 m\u1ecdi ng\u00e0nh c\u00f4ng nghi\u1ec7p, h\u1ecd \u0111\u00e3 b\u1eaft \u0111\u1ea7u ti\u1ebfp c\u1eadn v\u1edbi kh\u00e1ch h\u00e0ng tr\u1ef1c tuy\u1ebfn.\nNhi\u1ec1u ng\u01b0\u1eddi th\u1eadm ch\u00ed c\u00f2n tin r\u1eb1ng m\u1eb7t ti\u1ec1n k\u1ef9 thu\u1eadt s\u1ed1 n\u00e0y s\u1ebd \u0111\u1ee7 \u0111\u1ec3 gi\u1eef cho c\u00f4ng ty c\u1ee7a h\u1ecd ti\u1ebfp t\u1ee5c ho\u1ea1t \u0111\u1ed9ng trong m\u1ed9t th\u1ebf gi\u1edbi bi\u1ebfn \u0111\u1ed5i. <\/p>\n\n

Ni\u1ec1m tin n\u00e0y r\u1ea5t r\u1ee7i ro, Steven Schwartz<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp Global Cyber Consultants n\u00f3i.\n“N\u1ebfu b\u1ea1n \u0111ang \u1edf m\u1ed9t c\u00f4ng ty ngay b\u00e2y gi\u1edd m\u1edbi b\u1eaft \u0111\u1ea7u c\u1ea3m th\u1ea5y kh\u00e1 t\u1ed1t v\u1ec1 v\u1ecb tr\u00ed c\u1ee7a b\u1ea1n c\u00f9ng v\u1edbi tr\u00ed th\u00f4ng minh c\u1ee7a m\u1ecdi th\u1ee9 li\u00ean t\u1ee5c, th\u1ef1c s\u1ef1 t\u1ed1t v\u1ec1 s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a nh\u00f3m ti\u1ebfp th\u1ecb k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a b\u1ea1n, n\u1eafm b\u1eaft c\u1ee7a b\u1ea1n tr\u00ean ph\u01b0\u01a1ng ti\u1ec7n truy\u1ec1n th\u00f4ng x\u00e3 h\u1ed9i \/ SEM \/ SEO, n\u1eafm b\u1eaft c\u1ee7a b\u1ea1n v\u1ec1 vi\u1ec7c x\u00e2y d\u1ef1ng tr\u1ea3i nghi\u1ec7m \u0111a k\u00eanh, n\u1eafm b\u1eaft nh\u1eefng g\u00ec kh\u00e1ch h\u00e0ng c\u1ee7a b\u1ea1n mu\u1ed1n, t\u1eadn h\u01b0\u1edfng c\u1ea3m gi\u00e1c – b\u1ea1n s\u1eafp b\u1ecb gi\u00e1n \u0111o\u1ea1n. ” <\/p>\n\n

Mua b\u1ea3o hi\u1ec3m c\u00f3 \u0111\u01a1n gi\u1ea3n nh\u01b0 mua v\u1edb kh\u00f4ng?<\/h2>\n\n

Nh\u1eefng n\u1ed7 l\u1ef1c b\u1ec1 m\u1eb7t \u0111\u1ec3 n\u1eafm b\u1eaft c\u00e1c ti\u00eau chu\u1ea9n k\u1ef9 thu\u1eadt s\u1ed1 l\u00e0 kh\u00f4ng \u0111\u1ee7, Schwartz n\u00f3i th\u00eam.\n\u0110i\u1ec1u n\u00e0y l\u00e0 do c\u00f4ng ngh\u1ec7 th\u00fac \u0111\u1ea9y \u0111\u1ed5i m\u1edbi b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 t\u1ed3n t\u1ea1i tr\u00ean b\u1ec1 m\u1eb7t.\nTrong khi nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp \u0111ang t\u00ecm c\u00e1ch ti\u1ebfp c\u1eadn kh\u00e1ch h\u00e0ng tr\u1ef1c tuy\u1ebfn, c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m \u0111ang t\u00ecm c\u00e1ch s\u1eed d\u1ee5ng tr\u00ed tu\u1ec7 nh\u00e2n t\u1ea1o v\u00e0 h\u1ecdc m\u00e1y \u0111\u1ec3 suy ngh\u0129 l\u1ea1i tri\u1ec7t \u0111\u1ec3 v\u1ec1 c\u00e1ch hi\u1ec3u, ph\u00e2n t\u00edch v\u00e0 vi\u1ebft l\u1ea1i r\u1ee7i ro. <\/p>\n\n

Suy ngh\u0129 v\u1ec1 c\u00e1c c\u00f4ng ty insurtech nh\u01b0 Amazon kh\u00f4ng xem x\u00e9t b\u1ea3n ch\u1ea5t ph\u1ee9c t\u1ea1p c\u1ee7a b\u1ea3o hi\u1ec3m, William C. Wilson<\/a> c\u1ee7a \u0110\u1ea1i l\u00fd & M\u00f4i gi\u1edbi B\u1ea3o hi\u1ec3m \u0110\u1ed9c l\u1eadp c\u1ee7a M\u1ef9 n\u00f3i.\nKh\u00f4ng gi\u1ed1ng nh\u01b0 mua sai m\u1eb7t h\u00e0ng qu\u1ea7n \u00e1o ho\u1eb7c s\u1ea3n ph\u1ea9m t\u1ea1p h\u00f3a, th\u01b0\u1eddng ch\u1ec9 g\u00e2y ra s\u1ef1 b\u1ea5t ti\u1ec7n, vi\u1ec7c ch\u1ecdn sai s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 khi\u1ebfn m\u1ed9t ng\u01b0\u1eddi ph\u1ea3i tr\u1ea3 gi\u00e1 theo ngh\u0129a \u0111en l\u00e0 m\u1ecdi th\u1ee9 h\u1ecd s\u1edf h\u1eefu. <\/p>\n\n

Ch\u1ec9 ri\u00eang s\u1ef1 t\u1ed3n t\u1ea1i c\u1ee7a c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech kh\u00f4ng g\u00e2y ra nhi\u1ec1u m\u1ed1i \u0111e d\u1ecda, Wilson n\u00f3i.\n\u0110\u1ec3 th\u1ef1c s\u1ef1 thay \u0111\u1ed5i c\u00f4ng vi\u1ec7c b\u1ea3o hi\u1ec3m, c\u00e1c c\u00f4ng ty n\u00e0y c\u1ea7n c\u00f3 ki\u1ebfn th\u1ee9c v\u00e0 hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc v\u1ec1 ch\u00ednh b\u1ea3o hi\u1ec3m.\nKi\u1ebfn th\u1ee9c n\u00e0y hi\u1ec7n \u0111ang n\u1eb1m trong tay c\u1ee7a c\u00e1c c\u00f4ng ty \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ebf th\u1eeba c\u00f3 ki\u1ebfn th\u1ee9c insurtech c\u1ea7n \u0111\u1ec3 ph\u00e1t tri\u1ec3n m\u1ea1nh; Insurtech c\u00f3 c\u00e1ch ti\u1ebfp c\u1eadn s\u00e1ng t\u1ea1o v\u00e0 k\u1ef9 n\u0103ng k\u1ef9 thu\u1eadt m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ebf th\u1eeba c\u1ea7n \u0111\u1ec3 \u0111\u00e1p \u1ee9ng mong \u0111\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng ng\u00e0y nay.\nThay v\u00ec m\u1ed9t c\u01a1n b\u00e3o ho\u00e0n h\u1ea3o, c\u1ea3 hai t\u1ea1o ra m\u1ed9t m\u1ed1i quan h\u1ec7 \u0111\u1ed1i t\u00e1c ti\u1ec1m n\u0103ng ho\u00e0n h\u1ea3o. <\/p>\n\n

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

Insurtech \u0111ang thay \u0111\u1ed5i h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m nh\u01b0 th\u1ebf n\u00e0o<\/h2>\n\n

M\u1ed9t s\u1ed1 c\u00f4ng ty insurtech \u0111\u00e3 c\u00f3 quan h\u1ec7 \u0111\u1ed1i t\u00e1c c\u00f3 l\u1ee3i nhu\u1eadn v\u1edbi c\u00e1c c\u00f4ng ty k\u1ebf th\u1eeba, c\u1ea3 trong v\u00e0 ngo\u00e0i ng\u00e0nh b\u1ea3o hi\u1ec3m.\nNh\u1eefng ng\u01b0\u1eddi kh\u00e1c \u0111ang m\u1edf ra th\u1ecb tr\u01b0\u1eddng m\u1edbi cho b\u1ea3o hi\u1ec3m, mang l\u1ea1i cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ebf th\u1eeba c\u1ea3m h\u1ee9ng v\u00e0 ti\u1ebfp c\u1eadn v\u1edbi c\u00e1c ng\u00e0nh kinh doanh m\u1edbi. <\/p>\n\n

C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p Insurtech hi\u1ec3u \u0111\u01b0\u1ee3c l\u1ee3i \u00edch c\u1ee7a vi\u1ec7c h\u1ee3p t\u00e1c v\u1edbi c\u00e1c c\u00f4ng ty \u0111\u00e3 th\u00e0nh l\u1eadp.\n\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111i\u1ec1u n\u00e0y bao g\u1ed3m t\u1eadn d\u1ee5ng s\u1ef1 c\u00f4ng nh\u1eadn th\u01b0\u01a1ng hi\u1ec7u c\u1ee7a \u0111\u1ed1i t\u00e1c \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp v\u00e0 ti\u1ebfp c\u1eadn c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng m\u1edbi. <\/p>\n\n

Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 c\u00e1c c\u00f4ng ty insurtech \u0111\u1ec1u chuy\u1ec3n sang c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ebf th\u1eeba cho quan h\u1ec7 \u0111\u1ed1i t\u00e1c \u0111\u1ea7u ti\u00ean c\u1ee7a h\u1ecd.\nThay v\u00e0o \u0111\u00f3, h\u1ecd \u0111\u00e3 \u0111i \u0111\u1ebfn ngu\u1ed3n kh\u00e1ch h\u00e0ng m\u1edbi. <\/p>\n\n

V\u00ed d\u1ee5, Wrisk c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i London \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi BMW \u0111\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 cho kh\u00e1ch h\u00e0ng BMW v\u1edbi m\u1ee5c ti\u00eau kh\u00f4ng ch\u1ec9 ti\u1ebfp c\u1eadn c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng m\u1edbi m\u00e0 c\u00f2n thay \u0111\u1ed5i c\u00e1ch ch\u1ee7 s\u1edf h\u1eefu \u00f4 t\u00f4 nh\u00ecn nh\u1eadn vi\u1ec7c mua b\u1ea3o hi\u1ec3m. <\/p>\n\n

“\u0110i mua m\u1ed9t chi\u1ebfc xe m\u1edbi r\u1ea5t th\u00fa v\u1ecb, nh\u01b0ng qu\u00e1 tr\u00ecnh b\u1ea3o hi\u1ec3m n\u00f3 \u00edt th\u00fa v\u1ecb h\u01a1n, v\u00ec v\u1eady ch\u00fang t\u00f4i \u0111ang c\u1ed1 g\u1eafng thay \u0111\u1ed5i h\u1ed9p tho\u1ea1i \u1edf \u0111\u00f3 v\u00e0 l\u00e0m cho n\u00f3 d\u1ec5 d\u00e0ng v\u00e0 tr\u1ef1c quan h\u01a1n \u0111\u1ec3 l\u00e0m \u0111i\u1ec1u \u0111\u00f3 theo c\u00e1ch di \u0111\u1ed9ng”, Niall Barton<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp c\u1ee7a Wrisk n\u00f3i. <\/p>\n\n

B\u1eb1ng c\u00e1ch gi\u00fap b\u1ea3o hi\u1ec3m d\u1ec5 d\u00e0ng h\u01a1n cho ch\u1ee7 s\u1edf h\u1eefu BMW m\u1edbi, Wrisk kh\u00f4ng ch\u1ec9 n\u1eafm b\u1eaft \u0111\u01b0\u1ee3c ho\u1ea1t \u0111\u1ed9ng kinh doanh b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 m\u00e0 c\u00f2n khi\u1ebfn kh\u00e1ch h\u00e0ng quan t\u00e2m h\u01a1n \u0111\u1ebfn vi\u1ec7c mua xe t\u1eeb BMW.\nM\u1ed1i quan h\u1ec7 n\u00e0y mang l\u1ea1i l\u1ee3i \u00edch cho c\u1ea3 ba b\u00ean. <\/p>\n\n

Kh\u00f4ng c\u00f3 th\u1ecb tr\u01b0\u1eddng?\nT\u1ea1o m\u1ed9t t\u00e0i kho\u1ea3n.\n\u0110\u00f3 l\u00e0 c\u00e1ch ti\u1ebfp c\u1eadn c\u1ee7a m\u1ed9t s\u1ed1 c\u00f4ng ty insurtech m\u1edbi tr\u00ean to\u00e0n th\u1ebf gi\u1edbi.\nV\u00ed d\u1ee5, v\u00e0o n\u0103m 2014, c\u00f4ng ty b\u1ea3o hi\u1ec3m Trung Qu\u1ed1c Zhongan \u0111\u00e3 cung c\u1ea5p b\u1ea3o hi\u1ec3m u\u1ed1ng qu\u00e1 nhi\u1ec1u cho ng\u01b0\u1eddi h\u00e2m m\u1ed9 FIFA World Cup n\u0103m \u0111\u00f3.\nC\u00e1c ch\u00ednh s\u00e1ch n\u00e0y nh\u1eb1m gi\u00fap ng\u01b0\u1eddi h\u00e2m m\u1ed9 \u0111\u1ed1i ph\u00f3 v\u1edbi nh\u1eefng \u1ea3nh h\u01b0\u1edfng c\u1ee7a vi\u1ec7c u\u1ed1ng qu\u00e1 nhi\u1ec1u \u0111\u1ed3 u\u1ed1ng trong tr\u1eadn \u0111\u1ea5u v\u00e0 c\u00e1c l\u1ec5 h\u1ed9i xung quanh, Vinnie Lauria<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp Golden Gate Ventures cho bi\u1ebft. <\/p>\n\n

C\u00e1c c\u00f4ng ty insurtech kh\u00e1c \u0111ang ti\u1ebfp c\u1eadn v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng c\u00f3 k\u1ebft n\u1ed1i k\u1ef9 thu\u1eadt s\u1ed1 nh\u01b0ng thu nh\u1eadp kh\u00f4ng l\u1edbn, Lauria n\u00f3i.\nThay v\u00ec cung c\u1ea5p ph\u1ea1m vi b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u, c\u00e1c c\u00f4ng ty n\u00e0y cung c\u1ea5p c\u00e1c ch\u00ednh s\u00e1ch nh\u1ecf h\u01a1n, nh\u1eafm m\u1ee5c ti\u00eau cho c\u00e1c s\u1ef1 ki\u1ec7n c\u1ee5 th\u1ec3.\nC\u00e1c ch\u00ednh s\u00e1ch n\u00e0y bao g\u1ed3m m\u1ecdi th\u1ee9, t\u1eeb b\u1ea3o hi\u1ec3m bao g\u1ed3m s\u1ef1 ch\u1eadm tr\u1ec5 trong chuy\u1ebfn \u0111i \u0111\u1ebfn b\u1ea3o v\u1ec7 ch\u1ed1ng m\u1ea5t m\u1ed9t m\u1eb7t h\u00e0ng c\u1ee5 th\u1ec3, nh\u01b0 \u0111i\u1ec7n tho\u1ea1i c\u1ee7a m\u1ed9t ng\u01b0\u1eddi. <\/p>\n\n

C\u00e1ch ti\u1ebfp c\u1eadn b\u1ea3o hi\u1ec3m n\u00e0y m\u1edf ra th\u1ecb tr\u01b0\u1eddng m\u1edbi.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ebf th\u1eeba c\u00f3 th\u1ec3 cho ph\u00e9p c\u00e1c c\u00f4ng ty insurtech t\u1eadn h\u01b0\u1edfng ho\u1ea1t \u0111\u1ed9ng kinh doanh t\u1eeb nh\u1eefng kh\u00e1ch h\u00e0ng n\u00e0y – ho\u1eb7c h\u1ecd c\u00f3 th\u1ec3 cung c\u1ea5p t\u00ean, ngu\u1ed3n l\u1ef1c v\u00e0 s\u1ef1 kh\u00f4n ngoan c\u1ee7a h\u1ecd \u0111\u1ec3 \u0111\u1ed5i l\u1ea5y m\u1ed9t ph\u1ea7n c\u1ee7a th\u1ecb tr\u01b0\u1eddng. <\/p>\n\n

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

L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 th\u00fac \u0111\u1ea9y quan h\u1ec7 \u0111\u1ed1i t\u00e1c hi\u1ec7u qu\u1ea3<\/h2>\n\n

B\u01b0\u1edbc \u0111\u1ea7u ti\u00ean l\u00e0 ng\u1eebng xem c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ebf th\u1eeba l\u00e0 nguy\u00ean nh\u00e2n c\u1ee7a m\u1ed9t ng\u00e0nh c\u00f4ng nghi\u1ec7p b\u1ecb ph\u00e1 v\u1ee1 v\u00e0 insurtech l\u00e0 gi\u1ea3i ph\u00e1p, Satadru Sengupta<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh c\u1ee7a Halos Insurance cho bi\u1ebft. <\/p>\n\n

Thay v\u00e0o \u0111\u00f3, Sengupta khuy\u00ean b\u1ea1n n\u00ean t\u1eadp trung v\u00e0o m\u1ed9t c\u00e2u h\u1ecfi kh\u00e1c.\n“To\u00e0n b\u1ed9 \u00fd t\u01b0\u1edfng khi b\u1ea1n x\u00e2y d\u1ef1ng [an insurtech] n\u1ec1n t\u1ea3ng l\u00e0, b\u1ea1n \u0111ang gi\u00fap ng\u01b0\u1eddi ti\u00eau d\u00f9ng nh\u01b0 th\u1ebf n\u00e0o? \u0110\u00f3 l\u00e0 c\u00e2u h\u1ecfi \u0111\u1ea7u ti\u00ean. V\u00e0 sau \u0111\u00f3, l\u00e0m th\u1ebf n\u00e0o \u0111i\u1ec1u n\u00e0y gi\u00fap c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 ch\u00ednh ch\u00fang t\u00f4i v\u00e0 t\u1ea5t c\u1ea3 c\u00e1c b\u00ean li\u00ean quan kh\u00e1c? \u0110\u00f3 l\u00e0 khi b\u1ea1n c\u00f3 m\u1ed9t doanh nghi\u1ec7p. \u0110\u00f3 l\u00e0 l\u00fac ch\u00fang ta c\u00f3 th\u1ec3 l\u00e0m vi\u1ec7c c\u00f9ng nhau”. <\/p>\n\n

C\u00e2u h\u1ecfi n\u00e0y t\u1ea1o th\u00e0nh n\u1ec1n t\u1ea3ng c\u1ee7a m\u1ed1i quan h\u1ec7 hi\u1ec7u qu\u1ea3 gi\u1eefa c\u00e1c c\u00f4ng ty k\u1ebf th\u1eeba v\u00e0 insurtech.\nV\u00ed d\u1ee5, m\u1ed9t nghi\u00ean c\u1ee9u c\u1ee7a McKinsey cho th\u1ea5y c\u00e1c h\u00e3ng v\u1eadn chuy\u1ec3n P&C c\u00f3 ch\u1ec9 s\u1ed1 t\u00e0i ch\u00ednh m\u1ea1nh nh\u1ea5t c\u00f3 m\u1ed9t s\u1ed1 \u0111\u1eb7c \u0111i\u1ec3m chung.\n“H\u1ecd \u0111\u01b0a ra m\u1ed9t chi\u1ebfn l\u01b0\u1ee3c k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u1ea7y tham v\u1ecdng”, Tanguy Catlin, Ido Segev v\u00e0 Holger Wilms<\/a> t\u1ea1i McKinsey n\u00f3i. <\/p>\n\n

“H\u1ecd s\u1eed d\u1ee5ng ph\u00e2n t\u00edch v\u00e0 t\u1ef1 \u0111\u1ed9ng h\u00f3a \u0111\u1ec3 cho ph\u00e9p ra quy\u1ebft \u0111\u1ecbnh nhanh nh\u1ea1y v\u00e0 ch\u00ednh x\u00e1c h\u01a1n. H\u1ecd th\u1ea5m nhu\u1ea7n m\u1ed9t n\u1ec1n v\u0103n h\u00f3a \u00e1m \u1ea3nh v\u1ec1 nhu c\u1ea7u c\u1ee7a kh\u00e1ch h\u00e0ng, v\u00e0 h\u1ecd x\u00e2y d\u1ef1ng c\u00e1c t\u1ed5 ch\u1ee9c h\u1ee3p t\u00e1c v\u00e0 nhanh nh\u1eb9n c\u00f3 kh\u1ea3 n\u0103ng \u0111\u1ed5i m\u1edbi li\u00ean t\u1ee5c. “<\/p>\n\n

C\u00e1c c\u00f4ng ty n\u00e0y l\u00e0m t\u1ed1t h\u01a1n v\u00ec h\u1ecd s\u1eb5n s\u00e0ng nh\u00ecn b\u00ean d\u01b0\u1edbi b\u1ec1 m\u1eb7t c\u1ee7a chuy\u1ec3n \u0111\u1ed5i k\u1ef9 thu\u1eadt s\u1ed1 ng\u00e0y nay.\nTrong khi m\u1ed9t s\u1ed1 c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp t\u00ecm ki\u1ebfm m\u1ed9t \u00fd t\u01b0\u1edfng ho\u1eb7c c\u00f4ng c\u1ee5 c\u00f3 th\u1ec3 gi\u1ea3i quy\u1ebft m\u1ed9t v\u1ea5n \u0111\u1ec1, nh\u1eefng c\u00f4ng ty ho\u1ea1t \u0111\u1ed9ng m\u1ea1nh nh\u1ea5t t\u00ecm ki\u1ebfm c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfp c\u1eadn n\u1ec1n t\u1ea3ng h\u01a1n, Jeff Pettegrew<\/a> t\u1ea1i L\u00e3nh \u0111\u1ea1o T\u01b0 t\u01b0\u1edfng B\u1ea3o hi\u1ec3m cho bi\u1ebft. <\/p>\n\n

\u1ede \u0111\u00e2y, vi\u1ec7c t\u00ecm ki\u1ebfm c\u00e1c c\u00f4ng ty insurtech l\u00e0m \u0111\u1ed3ng minh c\u00f3 th\u1ec3 l\u00e0 v\u00f4 gi\u00e1.\nNhi\u1ec1u t\u1eadp \u0111o\u00e0n insurtech \u0111\u00e3 t\u00ecm c\u00e1ch thay \u0111\u1ed5i b\u1ea3n ch\u1ea5t c\u01a1 b\u1ea3n c\u1ee7a b\u1ea3o hi\u1ec3m v\u00e0 m\u1ed1i quan h\u1ec7 gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng.\nKhi h\u1ecd \u0111\u01b0\u1ee3c h\u1ed7 tr\u1ee3 b\u1edfi kinh nghi\u1ec7m r\u1ed9ng l\u1edbn v\u00e0 d\u1eef li\u1ec7u k\u1ebf th\u1eeba m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p, c\u1ea3 hai b\u00ean \u0111\u1ec1u c\u00f3 l\u1ee3i.\nKh\u00e1ch h\u00e0ng \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i.\nM\u1ed1i quan h\u1ec7 l\u00e0 \u0111\u00f4i b\u00ean c\u00f9ng c\u00f3 l\u1ee3i trong h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m m\u1edbi n\u00e0y. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: Anna Bizon\/\u00a9123RF.com, Luca Bertolli\/\u00a9123RF.com, rawpixel\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

S\u1ef1 gi\u00e1n \u0111o\u1ea1n \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t thu\u1eadt ng\u1eef \u0111\u00e0m tho\u1ea1i quan tr\u1ecdng trong h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m m\u1edbi, th\u1ec3 hi\u1ec7n m\u1ed1i quan t\u00e2m c\u1ed1t l\u00f5i: Khi c\u00e1c c\u00f4ng ty insurtech kh\u00e1m ph\u00e1 ra nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp nh\u1eadn th\u1ea5y quan […]<\/p>\n","protected":false},"featured_media":6329,"template":"","insight-category":[],"class_list":["post-21016","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21016","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\/6329"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21016"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21016"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}