{"id":21033,"date":"2024-09-30T14:16:42","date_gmt":"2024-09-30T19:16:42","guid":{"rendered":"https:\/\/bolttech.io\/insights\/bao-hiem-theo-yeu-cau-cac-lua-chon-bao-hiem-theo-tung-giai-doan-anh-huong-den-cac-hang-van-chuyen-pc-nhu-the-nao\/"},"modified":"2024-09-30T14:16:48","modified_gmt":"2024-09-30T19:16:48","slug":"bao-hiem-theo-yeu-cau-cac-lua-chon-bao-hiem-theo-tung-giai-doan-anh-huong-den-cac-hang-van-chuyen-pc-nhu-the-nao","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/bao-hiem-theo-yeu-cau-cac-lua-chon-bao-hiem-theo-tung-giai-doan-anh-huong-den-cac-hang-van-chuyen-pc-nhu-the-nao\/","title":{"rendered":"B\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u: C\u00e1c l\u1ef1a ch\u1ecdn b\u1ea3o hi\u1ec3m theo t\u1eebng giai \u0111o\u1ea1n \u1ea3nh h\u01b0\u1edfng \u0111\u1ebfn c\u00e1c h\u00e3ng v\u1eadn chuy\u1ec3n P&C nh\u01b0 th\u1ebf n\u00e0o?"},"content":{"rendered":"\n

C\u00e1c c\u00f4ng ty Insurtech \u0111ang ng\u00e0y c\u00e0ng thu h\u00fat kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1c m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u, ho\u1eb7c theo t\u1eebng giai \u0111o\u1ea1n.\nD\u1ec5 d\u00e0ng truy c\u1eadp, th\u01b0\u1eddng th\u00f4ng qua \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh, cung c\u1ea5p cho kh\u00e1ch h\u00e0ng kh\u1ea3 n\u0103ng b\u1eadt ho\u1eb7c t\u1eaft v\u00f9ng ph\u1ee7 s\u00f3ng c\u1ee7a h\u1ecd b\u1eb1ng m\u1ed9t c\u00fa nh\u1ea5p chu\u1ed9t, ch\u1ea1m ho\u1eb7c vu\u1ed1t – ch\u1ec9 tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m khi h\u1ecd c\u1ea7n. <\/p>\n\n

M\u00f4 h\u00ecnh n\u00e0y ng\u00e0y c\u00e0ng ph\u1ed5 bi\u1ebfn v\u1edbi c\u00e1c t\u00e0i x\u1ebf, kh\u00e1ch du l\u1ecbch v\u00e0 nh\u1eefng ng\u01b0\u1eddi tham gia n\u1ec1n kinh t\u1ebf bi\u1ec3u di\u1ec5n, v\u00e0 n\u00f3 cung c\u1ea5p ch\u1ed7 \u0111\u1ee9ng cho c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech c\u00f3 th\u1ec3 x\u00e2y d\u1ef1ng c\u00e1c h\u1ec7 th\u1ed1ng c\u1ea7n thi\u1ebft \u0111\u1ec3 ki\u1ec3m so\u00e1t n\u00f3.\nTuy nhi\u00ean, m\u00f4 h\u00ecnh n\u00e0y \u0111\u1eb7t ra m\u1ed9t s\u1ed1 th\u00e1ch th\u1ee9c cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp. <\/p>\n\n

Khi c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech ti\u1ebfp t\u1ee5c t\u00ecm ra nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 \u0111\u00e1p \u1ee9ng nhu c\u1ea7u v\u1ec1 b\u1ea3o hi\u1ec3m theo t\u1eebng giai \u0111o\u1ea1n, c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp s\u1ebd c\u1ea7n ph\u1ea3i th\u00edch nghi v\u1edbi vi\u1ec7c thay \u0111\u1ed5i s\u1edf th\u00edch v\u00e0 th\u00f3i quen c\u1ee7a kh\u00e1ch h\u00e0ng. <\/p>\n\n

S\u1ef1 chuy\u1ec3n \u0111\u1ed5i sang th\u1ebf gi\u1edbi b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u<\/h2>\n\n

S\u1ef1 tr\u1ed7i d\u1eady c\u1ee7a n\u1ec1n kinh t\u1ebf bi\u1ec3u di\u1ec5n \u0111\u00e3 th\u00fac \u0111\u1ea9y nhu c\u1ea7u ng\u00e0y c\u00e0ng t\u0103ng \u0111\u1ed1i v\u1edbi c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m ch\u1ec9 ho\u1ea1t \u0111\u1ed9ng khi c\u1ea7n b\u1ea3o hi\u1ec3m.\nTrong m\u1ed9t th\u1ebf gi\u1edbi v\u1eadn chuy\u1ec3n hai ng\u00e0y v\u00e0 ph\u00e1t tr\u1ef1c tuy\u1ebfn t\u1ee9c th\u00ec, kh\u00e1ch h\u00e0ng t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m ho\u1ea1t \u0111\u1ed9ng theo c\u00f9ng m\u1ed9t c\u00e1ch, Matthew Wong<\/a>, nh\u00e0 ph\u00e2n t\u00edch nghi\u00ean c\u1ee9u cao c\u1ea5p t\u1ea1i CB Insights cho bi\u1ebft. <\/p>\n\n

Tuy nhi\u00ean, kh\u00f4ng ph\u1ea3i t\u1ea5t c\u1ea3 ph\u1ea1m vi b\u1ea3o hi\u1ec3m P&C \u0111\u1ec1u b\u1ecb rung chuy\u1ec3n b\u1edfi m\u00f4 h\u00ecnh theo y\u00eau c\u1ea7u.\n“B\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u cung c\u1ea5p b\u1ea3o hi\u1ec3m \u1edf nh\u1eefng khu v\u1ef1c kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m trong l\u1ecbch s\u1eed b\u1edfi c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng”, Josh Taub<\/a> t\u1ea1i PropertyCasualty360 n\u00f3i. <\/p>\n\n

Thay v\u00ec c\u1ea1nh tranh v\u1edbi b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng, c\u00e1c l\u1ef1a ch\u1ecdn theo y\u00eau c\u1ea7u t\u1eadp trung v\u00e0o vi\u1ec7c b\u1ea3o hi\u1ec3m c\u00e1c r\u1ee7i ro m\u1edbi li\u00ean quan \u0111\u1ebfn th\u1ebf gi\u1edbi c\u00f4ng ngh\u1ec7.<\/p>\n\n

V\u00ed d\u1ee5, ch\u1ee7 s\u1edf h\u1eefu m\u00e1y bay kh\u00f4ng ng\u01b0\u1eddi l\u00e1i v\u00e0 \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh mu\u1ed1n c\u00f3 nhi\u1ec1u \u0111\u1ea1i l\u00fd h\u01a1n \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng c\u1ee5 n\u00e0y v\u00e0 c\u00e1ch h\u1ecd s\u1eed d\u1ee5ng ch\u00fang.\n\u0110i\u1ec1u n\u00e0y bao g\u1ed3m kh\u1ea3 n\u0103ng quy\u1ebft \u0111\u1ecbnh khi n\u00e0o, \u1edf \u0111\u00e2u, bao nhi\u00eau v\u00e0 trong bao l\u00e2u b\u1ea3o hi\u1ec3m l\u00e0 c\u1ea7n thi\u1ebft, Scott Walchek<\/a>, ch\u1ee7 t\u1ecbch s\u00e1ng l\u1eadp v\u00e0 CEO c\u1ee7a Tr\u014dv cho bi\u1ebft th\u00eam. <\/p>\n\n

Walchek n\u00f3i: “Theo y\u00eau c\u1ea7u \u0111\u1ea1i di\u1ec7n cho m\u1ed9t h\u00e0nh vi v\u00e0 th\u00e1i \u0111\u1ed9 ho\u00e0n to\u00e0n m\u1edbi \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m, trong nhi\u1ec1u n\u0103m qua l\u00e0 m\u1ed9t tr\u01b0\u1eddng h\u1ee3p ‘l\u1ea5y n\u00f3 v\u00e0 qu\u00ean n\u00f3 \u0111i’.<\/p>\n\n

B\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u c\u0169ng c\u00f3 th\u1ec3 gi\u00fap l\u1ea5p \u0111\u1ea7y kho\u1ea3ng tr\u1ed1ng trong c\u00e1c ch\u00ednh s\u00e1ch hi\u1ec7n c\u00f3.\nV\u00ed d\u1ee5, h\u1ea7u h\u1ebft c\u00e1c ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp kh\u00f4ng bao g\u1ed3m c\u00e1c tr\u01b0\u1eddng h\u1ee3p ng\u01b0\u1eddi \u0111i xe tay ga cho thu\u00ea va ch\u1ea1m v\u1edbi ng\u01b0\u1eddi \u0111i b\u1ed9, l\u00e0m h\u1ecfng t\u00e0i s\u1ea3n ho\u1eb7c g\u00e2y tai n\u1ea1n xe h\u01a1i.\nN\u1ebfu ng\u01b0\u1eddi l\u00e1i xe kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0 tai n\u1ea1n x\u1ea3y ra, h\u1ecd c\u00f3 th\u1ec3 ph\u1ea3i ch\u1ecbu chi ph\u00ed b\u1ed3i th\u01b0\u1eddng \u0111\u00e1ng k\u1ec3, Lucian McMahon<\/a>, chuy\u00ean gia nghi\u00ean c\u1ee9u cao c\u1ea5p c\u1ee7a Vi\u1ec7n Th\u00f4ng tin B\u1ea3o hi\u1ec3m cho bi\u1ebft. <\/p>\n\n

Tuy nhi\u00ean, b\u1ea3o hi\u1ec3m t\u00ecnh ti\u1ebft c\u00f3 th\u1ec3 cho ph\u00e9p ng\u01b0\u1eddi d\u00f9ng xe tay ga b\u1eadt b\u1ea3o hi\u1ec3m h\u1ecd c\u1ea7n \u0111\u1ec3 l\u1ea5p \u0111\u1ea7y kho\u1ea3ng tr\u1ed1ng n\u00e0y, \u0111i xe v\u00e0 t\u1eaft b\u1ea3o hi\u1ec3m khi ho\u00e0n th\u00e0nh.\nB\u1ea3o v\u1ec7 trong tr\u01b0\u1eddng h\u1ee3p x\u1ea3y ra tai n\u1ea1n c\u00f3 m\u1eb7t khi ng\u01b0\u1eddi d\u00f9ng xe tay ga c\u1ea7n. <\/p>\n\n

M\u1edbi so v\u1edbi th\u00e0nh l\u1eadp: C\u00e1c h\u00e3ng v\u1eadn chuy\u1ec3n P&C c\u00f3 th\u1ec3 g\u1eafn b\u00f3 v\u1edbi c\u00e1c m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd bi\u1ebft kh\u00f4ng?<\/h2>\n\n

Nhi\u1ec1u c\u00f4ng ty insurtech \u0111ang kh\u00e1m ph\u00e1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u trong c\u00e1c kh\u00f4ng gian kh\u00f4ng \u0111\u01b0\u1ee3c gi\u1ea3i quy\u1ebft b\u1edfi c\u00e1c h\u00e3ng v\u1eadn chuy\u1ec3n P&C \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp.\nC\u00f3 th\u1ec3 r\u1ea5t h\u1ea5p d\u1eabn khi b\u1ecf qua nh\u1eefng ng\u00e0nh kinh doanh m\u1edbi n\u00e0y v\u00e0 thay v\u00e0o \u0111\u00f3 t\u1eadp trung v\u00e0o c\u00e1c ch\u00ednh s\u00e1ch v\u00e0 ph\u01b0\u01a1ng ph\u00e1p \u0111\u00e3 \u0111\u01b0\u1ee3c thi\u1ebft l\u1eadp – nh\u1eefng \u0111i\u1ec1u m\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&C l\u00e0m t\u1ed1t nh\u1ea5t. <\/p>\n\n

Trong m\u1ed9t s\u1ed1 tr\u01b0\u1eddng h\u1ee3p, c\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y c\u00f3 \u00fd ngh\u0129a.\nTheo David Miller<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch t\u1ea1i Plexus Personal Insurance, m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 ti\u00eau chu\u1ea9n kh\u00f3 c\u00f3 th\u1ec3 chuy\u1ec3n \u0111\u1ed5i sang m\u00f4 h\u00ecnh theo y\u00eau c\u1ea7u.\nC\u00e1c m\u00f4 h\u00ecnh n\u00e0y c\u00f3 xu h\u01b0\u1edbng bao g\u1ed3m c\u00e1c r\u1ee7i ro v\u00e0 t\u1ed5n th\u1ea5t kh\u00f4ng th\u1ec3 d\u1ef1 \u0111o\u00e1n ho\u1eb7c lo\u1ea1i b\u1ecf \u0111\u1ea7y \u0111\u1ee7, ch\u1eb3ng h\u1ea1n nh\u01b0 h\u1ecfa ho\u1ea1n, l\u0169 l\u1ee5t ho\u1eb7c tr\u1ed9m c\u1eafp. <\/p>\n\n

Ngo\u00e0i ra, h\u1ea7u h\u1ebft nh\u1eefng ng\u01b0\u1eddi cho vay y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m ch\u1ee7 nh\u00e0 nh\u01b0 m\u1ed9t \u0111i\u1ec1u ki\u1ec7n \u0111\u1ec3 cung c\u1ea5p m\u1ed9t kho\u1ea3n th\u1ebf ch\u1ea5p, Pat Howard<\/a> gi\u1ea3i th\u00edch t\u1ea1i PolicyGenius.\nTrong tr\u01b0\u1eddng h\u1ee3p n\u00e0y, ng\u01b0\u1eddi cho vay kh\u00f4ng c\u00f3 kh\u1ea3 n\u0103ng ch\u1ea5p nh\u1eadn b\u1ea3o hi\u1ec3m m\u00e0 ch\u1ee7 nh\u00e0 c\u00f3 th\u1ec3 b\u1eadt ho\u1eb7c t\u1eaft theo \u00fd mu\u1ed1n. <\/p>\n\n

M\u1ed9t ngo\u1ea1i l\u1ec7 \u0111\u00e1ng k\u1ec3 \u0111\u1ed1i v\u1edbi quy t\u1eafc n\u00e0y l\u00e0 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4, m\u1ed9t s\u1ea3n ph\u1ea9m P &C truy\u1ec1n th\u1ed1ng \u0111ang b\u1ecb th\u00e1ch th\u1ee9c b\u1edfi c\u00e1c t\u00f9y ch\u1ecdn b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u.\nV\u00ed d\u1ee5, Metromile s\u1eed d\u1ee5ng ph\u00e9p \u0111o t\u1eeb xa \u0111\u1ec3 cho ph\u00e9p kh\u00e1ch h\u00e0ng ch\u1ec9 tr\u1ea3 ti\u1ec1n b\u1ea3o hi\u1ec3m khi h\u1ecd th\u1ef1c s\u1ef1 l\u00e1i xe, Tim Parker<\/a> t\u1ea1i Investopedia n\u00f3i. <\/p>\n\n

Trong khi c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 l\u00e2u \u0111\u1eddi nh\u01b0 Progressive \u0111i ti\u00ean phong trong vi\u1ec7c s\u1eed d\u1ee5ng telemetrics<\/a> \u0111\u1ec3 t\u00e1c \u0111\u1ed9ng \u0111\u1ebfn gi\u00e1 c\u01b0\u1edbc ph\u00ed b\u1ea3o hi\u1ec3m, Metromile \u0111\u00e3 bi\u1ebfn c\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y th\u00e0nh m\u1ed9t ph\u01b0\u01a1ng ph\u00e1p tr\u1ea3 ti\u1ec1n cho m\u1ed7i d\u1eb7m c\u1ee5 th\u1ec3.\nC\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 th\u1ec3 g\u1eb7p kh\u00f3 kh\u0103n trong vi\u1ec7c gi\u1eef ch\u00e2n nh\u1eefng kh\u00e1ch h\u00e0ng l\u00e1i xe r\u1ea5t \u00edt, tr\u1eeb khi h\u1ecd c\u00f3 th\u1ec3 n\u1eafm l\u1ea5y c\u00e1c t\u00f9y ch\u1ecdn theo y\u00eau c\u1ea7u m\u00e0 nh\u1eefng c\u00e1 nh\u00e2n n\u00e0y th\u1ea5y h\u1ea5p d\u1eabn. <\/p>\n\n

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

C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p Insurtech \u0111ang n\u1eafm b\u1eaft m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u nh\u01b0 th\u1ebf n\u00e0o<\/h2>\n\n

M\u1ed9t s\u1ed1 c\u00f4ng ty insurtech th\u1eadm ch\u00ed c\u00f2n c\u1ea1nh tranh v\u1edbi nhau \u0111\u1ec3 m\u1edf ra c\u00e1c bi\u1ebfn th\u1ec3 m\u1edbi v\u1ec1 ph\u1ea1m vi b\u1ea3o hi\u1ec3m theo t\u1eebng t\u1eadp trong c\u00f9ng m\u1ed9t kh\u00f4ng gian.\nV\u00ed d\u1ee5, c\u1ea3 Metromile v\u00e0 Cuvva c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i V\u01b0\u01a1ng qu\u1ed1c Anh \u0111\u1ec1u cung c\u1ea5p b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 theo y\u00eau c\u1ea7u d\u1ef1a tr\u00ean s\u1ed1 d\u1eb7m th\u1ef1c t\u1ebf.\nTuy nhi\u00ean, Cuvva cho ph\u00e9p kh\u00e1ch h\u00e0ng t\u1ef1 b\u1ea3o hi\u1ec3m \u0111\u1ec3 l\u00e1i b\u1ea5t k\u1ef3 chi\u1ebfc xe n\u00e0o, trong th\u1eddi gian th\u1ea5p nh\u1ea5t l\u00e0 m\u1ed9t gi\u1edd, Michelle Kerr<\/a>, ph\u00f3 bi\u00ean t\u1eadp vi\u00ean c\u1ee7a Risk &; Insurance cho bi\u1ebft. <\/p>\n\n

M\u1ed9t s\u1ed1 c\u00f4ng ty r\u1ea5t \u0111am m\u00ea l\u1eddi h\u1ee9a c\u1ee7a c\u00e1c m\u00f4 h\u00ecnh theo y\u00eau c\u1ea7u \u0111\u1ebfn n\u1ed7i h\u1ecd \u0111ang cung c\u1ea5p \u0111\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech kh\u00e1c ph\u00e1t tri\u1ec3n c\u1ee7a h\u1ecd.\nN\u0103m 2018, Slice b\u1eaft \u0111\u1ea7u cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u00e1m m\u00e2y \u0111\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty ph\u00e1t tri\u1ec3n v\u00e0 ti\u1ebfp th\u1ecb c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u c\u1ee7a ri\u00eang h\u1ecd, Andrew G. Simpson<\/a> cho bi\u1ebft tr\u00ean T\u1ea1p ch\u00ed B\u1ea3o hi\u1ec3m. <\/p>\n\n

T\u1ea7m nh\u00ecn c\u1ee7a Slice m\u1edf r\u1ed9ng ra ngo\u00e0i c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m.\n“Ch\u00fang t\u00f4i \u0111ang thu\u00ea c\u00f4ng [infrastructure] ty b\u1ea3o hi\u1ec3m k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a m\u00ecnh cho c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i kh\u00e1c ho\u1eb7c c\u00e1c c\u00f4ng ty kh\u00e1c mu\u1ed1n tr\u1edf th\u00e0nh c\u00f4ng ty b\u1ea3o hi\u1ec3m, mu\u1ed1n nh\u00fang b\u1ea3o hi\u1ec3m v\u00e0o s\u1ea3n ph\u1ea9m c\u1ee7a h\u1ecd”, Tim Attia<\/a>, Gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 \u0111\u1ed3ng s\u00e1ng l\u1eadp c\u1ee7a Slice cho bi\u1ebft. <\/p>\n\n

\u00cdt nh\u1ea5t m\u1ed9t h\u00e3ng v\u1eadn t\u1ea3i n\u1ed5i ti\u1ebfng \u0111\u00e3 ch\u1ea5p nh\u1eadn m\u1ed9t quan h\u1ec7 \u0111\u1ed1i t\u00e1c nh\u01b0 v\u1eady.\n\u0110\u1ea7u n\u0103m 2019, Nationwide \u0111\u00e3 c\u00f4ng b\u1ed1 h\u1ee3p t\u00e1c v\u1edbi Slice \u0111\u1ec3 c\u1ea3i thi\u1ec7n ph\u1ea1m vi b\u1ea3o hi\u1ec3m cho c\u00e1c t\u00e0i x\u1ebf \u0111i chung xe. <\/p>\n\n

“S\u1ef1 h\u1ee3p t\u00e1c n\u00e0y th\u1ec3 hi\u1ec7n cam k\u1ebft \u0111\u1ed5i m\u1edbi c\u1ee7a ch\u00fang t\u00f4i b\u1eb1ng c\u00e1ch t\u1eadn d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 cung c\u1ea5p cho c\u00e1c t\u00e0i x\u1ebf \u0111i chung xe m\u1ed9t s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m linh ho\u1ea1t v\u00e0 to\u00e0n di\u1ec7n”, Teresa Scharn<\/a> gi\u1ea3i th\u00edch t\u1ea1i Nationwide. <\/p>\n\n

N\u00f3 c\u0169ng cho ph\u00e9p m\u1ed7i c\u00f4ng ty mang l\u1ea1i th\u1ebf m\u1ea1nh ri\u00eang c\u1ee7a m\u00ecnh.\nTrong khi Slice cung c\u1ea5p m\u1ed9t n\u1ec1n t\u1ea3ng t\u01b0 duy ti\u1ebfn b\u1ed9, Nationwide c\u00f3 hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc v\u1ec1 h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 ph\u00e2n t\u00edch r\u1ee7i ro.\nKh\u00f4ng kh\u00f3 \u0111\u1ec3 t\u01b0\u1edfng t\u01b0\u1ee3ng m\u1ed9t t\u00ecnh hu\u1ed1ng trong \u0111\u00f3 b\u1ea3o hi\u1ec3m nh\u00fang, theo y\u00eau c\u1ea7u c\u00f3 s\u1eb5n cho g\u1ea7n nh\u01b0 b\u1ea5t k\u1ef3 s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 n\u00e0o, tr\u1edf th\u00e0nh ti\u00eau chu\u1ea9n \u0111\u01b0\u1ee3c mong \u0111\u1ee3i ch\u1ee9 kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t ph\u00e1t minh m\u1edbi. <\/p>\n\n

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

C\u00e1c h\u00e3ng v\u1eadn chuy\u1ec3n \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp c\u00f3 th\u1ec3 h\u1ecdc \u0111\u01b0\u1ee3c g\u00ec t\u1eeb b\u1ea3o hi\u1ec3m t\u00ecnh ti\u1ebft<\/h2>\n\n

Cu\u1ed9c c\u00e1ch m\u1ea1ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 m\u1edf ra ba c\u00e1ch ti\u1ebfp c\u1eadn m\u1edbi \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m m\u00e0 tr\u01b0\u1edbc k\u1ef7 nguy\u00ean d\u1eef li\u1ec7u l\u1edbn v\u00e0 truy\u1ec1n th\u00f4ng t\u1ee9c th\u1eddi.\nNh\u1eefng m\u00f4 h\u00ecnh n\u00e0y bao g\u1ed3m b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh li\u00ean t\u1ee5c, b\u1ea3o hi\u1ec3m vi m\u00f4 v\u00e0 b\u1ea3o hi\u1ec3m kinh t\u1ebf h\u1ee3p \u0111\u1ed3ng, Jeff Goldberg<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao t\u1ea1i Novarica cho bi\u1ebft.\nM\u1eb7c d\u00f9 c\u1ea3 ba c\u00f3 th\u1ec3 kh\u00f4ng c\u00f3 m\u1eb7t trong c\u00f9ng m\u1ed9t s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m, nh\u01b0ng t\u1ea5t c\u1ea3 ch\u00fang \u0111\u1ec1u l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a c\u00e1ch b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u ho\u1ea1t \u0111\u1ed9ng ng\u00e0y nay. <\/p>\n\n

T\u1ea5t c\u1ea3 c\u00e1c c\u00e1ch ti\u1ebfp c\u1eadn n\u00e0y \u0111\u00f2i h\u1ecfi ba cam k\u1ebft t\u1eeb c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m: ph\u00e2n t\u00edch d\u1eef li\u1ec7u, ph\u00e1t tri\u1ec3n s\u1ea3n ph\u1ea9m t\u1eadp trung v\u00e0o ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 hi\u1ec7u qu\u1ea3 h\u1ec7 th\u1ed1ng, Goldberg n\u00f3i.\nTrong khi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c m\u1ed9t s\u1ed1 ti\u1ebfn b\u1ed9 trong l\u0129nh v\u1ef1c theo y\u00eau c\u1ea7u ch\u1ec9 v\u1edbi m\u1ed9t ho\u1eb7c hai trong s\u1ed1 c\u00e1c tr\u1ee5 c\u1ed9t n\u00e0y, t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd, b\u1ec1n v\u1eefng \u0111\u00f2i h\u1ecfi c\u1ea3 ba. <\/p>\n\n

C\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p Insurtech chuy\u00ean v\u1ec1 b\u1ea3o hi\u1ec3m theo t\u1eebng giai \u0111o\u1ea1n th\u01b0\u1eddng l\u00e0m nh\u01b0 v\u1eady b\u1eb1ng c\u00e1ch t\u00ecm m\u1ed9t l\u0129nh v\u1ef1c m\u00e0 c\u00e1c ch\u00ednh s\u00e1ch v\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u00e3 thi\u1ebft l\u1eadp kh\u00f4ng gi\u1ea3i quy\u1ebft.\nV\u00ed d\u1ee5, Slice \u0111\u00e3 b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch gi\u1ea3i quy\u1ebft kho\u1ea3ng c\u00e1ch b\u1ea3o hi\u1ec3m cho c\u00e1c t\u00e0i x\u1ebf Uber v\u00e0 Lyft v\u1eabn c\u00f2n ngay c\u1ea3 khi c\u00e1c t\u00e0i x\u1ebf c\u00f3 c\u1ea3 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00e1 nh\u00e2n v\u00e0 b\u1ea3o hi\u1ec3m th\u00f4ng qua c\u00f4ng ty chia s\u1ebb chuy\u1ebfn \u0111i c\u1ee7a h\u1ecd. <\/p>\n\n

Slice \u0111\u00e3 th\u00e0nh c\u00f4ng b\u1eb1ng c\u00e1ch gi\u1ea3i quy\u1ebft mong mu\u1ed1n c\u1ee7a ng\u01b0\u1eddi l\u00e1i xe \u0111\u1ec3 c\u00f3 b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 \u0111\u1ea7y \u0111\u1ee7 trong gi\u1edbi h\u1ea1n c\u1ee7a b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng, ch\u00ednh s\u00e1ch chia s\u1ebb chuy\u1ebfn \u0111i v\u00e0 c\u00e1c y\u00eau c\u1ea7u t\u1ed1i thi\u1ec3u c\u1ee7a ti\u1ec3u bang.\n\u0110\u1ed1i v\u1edbi c\u1ea3 c\u00e1c c\u00f4ng ty kh\u1edfi nghi\u1ec7p insurtech v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ebf th\u1eeba, t\u1eadn d\u1ee5ng s\u1ef1 quan t\u00e2m c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u s\u1ebd c\u00f3 ngh\u0129a l\u00e0 t\u00ecm ra nh\u1eefng kho\u1ea3ng tr\u1ed1ng n\u00e0y v\u00e0 ph\u00e1t tri\u1ec3n nh\u1eefng c\u00e1ch m\u1edbi \u0111\u1ec3 gi\u1ea3i quy\u1ebft ch\u00fang. <\/p>\n\n

C\u00f3 th\u1ec3 t\u01b0\u1edfng t\u01b0\u1ee3ng m\u1ed9t th\u1ebf gi\u1edbi n\u01a1i c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u1ea1nh tranh \u0111\u1ec3 b\u1ea3o hi\u1ec3m c\u00e1c m\u1eb7t h\u00e0ng c\u00e1 nh\u00e2n c\u1ee7a t\u00e0i s\u1ea3n c\u00e1 nh\u00e2n, nh\u01b0 \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh v\u00e0 xe \u0111\u1ea1p leo n\u00fai, Stephen Temple<\/a> n\u00f3i trong L\u00e3nh \u0111\u1ea1o t\u01b0 t\u01b0\u1edfng b\u1ea3o hi\u1ec3m. <\/p>\n\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c th\u00e0nh l\u1eadp c\u00f3 quy\u1ec1n truy c\u1eadp v\u00e0o nhi\u1ec1u th\u00f4ng tin h\u01a1n \u0111\u00e1ng k\u1ec3 v\u1ec1 nhu c\u1ea7u, h\u00e0nh vi v\u00e0 r\u1ee7i ro c\u1ee7a kh\u00e1ch h\u00e0ng.\nT\u1eadn d\u1ee5ng hi\u1ec7u qu\u1ea3, th\u00f4ng tin n\u00e0y c\u00f3 th\u1ec3 gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m k\u1ebf th\u1eeba c\u1ea1nh tranh b\u1eb1ng c\u00e1ch cung c\u1ea5p b\u1ea3o hi\u1ec3m \u00edt chi ti\u1ebft h\u01a1n, nh\u01b0ng mang t\u00ednh c\u00e1 nh\u00e2n h\u01a1n. <\/p>\n\n

H\u00ecnh \u1ea3nh b\u1edfi: rido\/\u00a9123RF.com, Piyawat Nandeenopparit\/\u00a9123RF.com, Aleksandr Davydov\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

C\u00e1c c\u00f4ng ty Insurtech \u0111ang ng\u00e0y c\u00e0ng thu h\u00fat kh\u00e1ch h\u00e0ng b\u1eb1ng c\u00e1c m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m theo y\u00eau c\u1ea7u, ho\u1eb7c theo t\u1eebng giai \u0111o\u1ea1n. D\u1ec5 d\u00e0ng truy c\u1eadp, th\u01b0\u1eddng th\u00f4ng qua \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh, cung c\u1ea5p cho kh\u00e1ch h\u00e0ng kh\u1ea3 n\u0103ng b\u1eadt ho\u1eb7c t\u1eaft v\u00f9ng ph\u1ee7 s\u00f3ng c\u1ee7a h\u1ecd b\u1eb1ng m\u1ed9t c\u00fa nh\u1ea5p […]<\/p>\n","protected":false},"featured_media":6359,"template":"","insight-category":[],"class_list":["post-21033","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/21033","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\/6359"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=21033"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=21033"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}