{"id":22261,"date":"2024-10-08T18:21:23","date_gmt":"2024-10-08T23:21:23","guid":{"rendered":"https:\/\/bolttech.io\/insights\/tinh-trang-bao-hiem-nhung-2022\/"},"modified":"2024-10-08T18:21:28","modified_gmt":"2024-10-08T23:21:28","slug":"tinh-trang-bao-hiem-nhung-2022","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/tinh-trang-bao-hiem-nhung-2022\/","title":{"rendered":"T\u00ecnh tr\u1ea1ng b\u1ea3o hi\u1ec3m nh\u00fang 2022"},"content":{"rendered":"\n<p>B\u1ea3o hi\u1ec3m nh\u00fang cung c\u1ea5p b\u1ea3o hi\u1ec3m t\u1ea1i \u0111i\u1ec3m b\u00e1n cho c\u00e1c m\u1eb7t h\u00e0ng y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m. T\u1eeb b\u1ea3o h\u00e0nh v\u1ec1 \u0111i\u1ec7n t\u1eed ti\u00eau d\u00f9ng \u0111\u1ebfn c\u00e1c ch\u00ednh s\u00e1ch \u00f4 t\u00f4 ch\u00ednh th\u1ee9c, <a href=\"https:\/\/www.boltinc.com\/insights\/blogs\/apps-embedded-insurance?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.9.1725274883906&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">b\u1ea3o hi\u1ec3m nh\u00fang<\/a> \u0111ang nhanh ch\u00f3ng tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn. <\/p>\n\n<p>\u0110\u00e2y l\u00e0 v\u1ecb tr\u00ed c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang v\u00e0o n\u0103m 2022 v\u00e0 nh\u1eefng g\u00ec s\u1ebd x\u1ea3y ra trong nh\u1eefng n\u0103m t\u1edbi.<\/p>\n\n<h2 class=\"wp-block-heading\">Ngu\u1ed3n g\u1ed1c c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang<\/h2>\n\n<p>Theo truy\u1ec1n th\u1ed1ng, mua b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t giao d\u1ecbch ri\u00eang bi\u1ec7t v\u1edbi nh\u00e0, xe ho\u1eb7c mua kh\u00e1c. M\u1ed9t kh\u00e1ch h\u00e0ng s\u1ebd mua m\u1ed9t ng\u00f4i nh\u00e0 m\u1edbi, m\u1ed9t chi\u1ebfc xe h\u01a1i ho\u1eb7c m\u1ed9t m\u1eb7t h\u00e0ng kh\u00e1c, v\u00e0 ch\u1ec9 sau \u0111\u00f3 s\u1ebd t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m cho giao d\u1ecbch mua m\u1edbi c\u1ee7a h\u1ecd. Ngay c\u1ea3 khi vi\u1ec7c mua b\u1ea3o hi\u1ec3m l\u00e0 m\u1ed9t \u0111i\u1ec1u ki\u1ec7n c\u1ee7a giao d\u1ecbch ban \u0111\u1ea7u, n\u00f3 \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n ri\u00eang.  <\/p>\n\n<p>S\u1ef1 gia t\u0103ng c\u1ee7a mua h\u00e0ng k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u00e3 gi\u00fap hai giao d\u1ecbch n\u00e0y c\u00f3 th\u1ec3 k\u1ebft h\u1ee3p hai giao d\u1ecbch n\u00e0y l\u1ea1i v\u1edbi nhau. Ng\u00e0y nay, b\u1ea3o hi\u1ec3m nh\u00fang t\u00edch h\u1ee3p vi\u1ec7c mua b\u1ea3o hi\u1ec3m v\u1edbi vi\u1ec7c mua m\u1eb7t h\u00e0ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m. <\/p>\n\n<p>V\u00ed d\u1ee5: c\u1eeda h\u00e0ng m\u00e1y t\u00ednh tr\u1ef1c tuy\u1ebfn c\u00f3 th\u1ec3 bao g\u1ed3m b\u1ea3o h\u00e0nh m\u1edf r\u1ed9ng nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a gi\u00e1 mua m\u1eb7t h\u00e0ng ho\u1eb7c d\u01b0\u1edbi d\u1ea1ng ti\u1ec7n \u00edch b\u1ed5 sung c\u00f3 s\u1eb5n khi thanh to\u00e1n. M\u1ed9t kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 mua m\u1ed9t chi\u1ebfc xe m\u1edbi v\u1edbi t\u00f9y ch\u1ecdn mua m\u1ed9t ch\u00ednh s\u00e1ch b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f9ng m\u1ed9t l\u00fac. Ho\u1eb7c \u1ee9ng d\u1ee5ng chia s\u1ebb chuy\u1ebfn \u0111i c\u00f3 th\u1ec3 bao g\u1ed3m b\u1ea3o hi\u1ec3m nh\u00e0 th\u1ea7u nh\u01b0 m\u1ed9t ph\u1ea7n c\u1ee7a \u0111i\u1ec1u kho\u1ea3n \u0111\u0103ng k\u00fd.  <\/p>\n\n<p>Chia s\u1ebb kinh doanh kh\u00f4ng ph\u1ea3i l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m m\u1edbi \u0111\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m. Nhi\u1ec1u c\u00f4ng ty \u0111\u00e3 h\u1ee3p t\u00e1c v\u1edbi nhau \u0111\u1ec3 cung c\u1ea5p cho kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m c\u1ea7n thi\u1ebft trong khi \u0111\u1ea3m b\u1ea3o r\u1eb1ng vi\u1ec7c b\u1ea3o l\u00e3nh ph\u00e1t h\u00e0nh cho t\u1eebng r\u1ee7i ro \u0111\u01b0\u1ee3c th\u1ef1c hi\u1ec7n b\u1edfi m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m chuy\u00ean v\u1ec1 r\u1ee7i ro \u0111\u00f3. B\u1ea3o hi\u1ec3m nh\u00fang s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7 \u0111\u1ec3 ti\u1ebfn th\u00eam m\u1ed9t b\u01b0\u1edbc n\u1eefa, cung c\u1ea5p b\u1ea3o hi\u1ec3m th\u00f4ng qua c\u00e1c nh\u00e0 b\u00e1n l\u1ebb, c\u00f4ng ty xe h\u01a1i v\u00e0 c\u00e1c doanh nghi\u1ec7p phi b\u1ea3o hi\u1ec3m ho\u1eb7c phi t\u00e0i ch\u00ednh kh\u00e1c, <a href=\"https:\/\/techcrunch.com\/2021\/05\/21\/embedded-finance-will-help-fill-the-life-insurance-coverage-gap\/\" target=\"_blank\" rel=\"noreferrer noopener\">Melbourne O&#8217;Banion<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 CEO t\u1ea1i n\u1ec1n t\u1ea3ng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd k\u1ef9 thu\u1eadt s\u1ed1 Bestow vi\u1ebft.  <\/p>\n\n<p>Th\u00f4ng qua vi\u1ec7c s\u1eed d\u1ee5ng c\u00f4ng ngh\u1ec7, &#8220;b\u1ea3o hi\u1ec3m nh\u00fang cho ph\u00e9p b\u1ea5t k\u1ef3 nh\u00e0 cung c\u1ea5p\/nh\u00e0 ph\u00e1t tri\u1ec3n b\u00ean th\u1ee9 ba n\u00e0o t\u00edch h\u1ee3p c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m s\u00e1ng t\u1ea1o v\u00e0o h\u00e0nh tr\u00ecnh mua h\u00e0ng c\u1ee7a kh\u00e1ch h\u00e0ng m\u1ed9t c\u00e1ch li\u1ec1n m\u1ea1ch, nhanh ch\u00f3ng v\u00e0 v\u1edbi chi ph\u00ed th\u1ea5p&#8221;, <a href=\"https:\/\/www.chubb.com\/th-en\/articles\/6-things-you-need-to-know-and-how-to-make-it-real.html\" target=\"_blank\" rel=\"noreferrer noopener\">Gabriel Lazaro<\/a>, ph\u00f3 ch\u1ee7 t\u1ecbch c\u1ea5p cao v\u00e0 tr\u01b0\u1edfng b\u1ed9 ph\u1eadn k\u1ef9 thu\u1eadt s\u1ed1 c\u1ee7a Chubb Overseas General cho bi\u1ebft.<\/p>\n\n<p>Kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn ph\u1ea1m vi b\u1ea3o hi\u1ec3m t\u1ea1i \u0111i\u1ec3m b\u00e1n gi\u00fap b\u1ea3o hi\u1ec3m tr\u1edf n\u00ean d\u1ec5 d\u00e0ng cho kh\u00e1ch h\u00e0ng, t\u0103ng s\u1ef1 h\u00e0i l\u00f2ng c\u0169ng nh\u01b0 b\u1ea3o v\u1ec7 h\u1ecd kh\u1ecfi r\u1ee7i ro. N\u00f3 l\u00e0m t\u0103ng kh\u1ea3 n\u0103ng k\u1ebft n\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 gi\u00fap thu h\u1eb9p kho\u1ea3ng c\u00e1ch gi\u1eefa ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 kh\u00e1ch h\u00e0ng c\u1ea7n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 h\u1ecd c\u00f3. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"678\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smartphone-repair-tool-1024x678.jpg\" alt=\"Thay &#x111;&#x1ED5;i b&#x1ED9; s&#x1EA1;c b&#x1EA3;ng &#x111;i&#x1EC1;u khi&#x1EC3;n chip S&#x1EED;a ch&#x1EEF;a &#x111;i&#x1EC7;n tho&#x1EA1;i th&#xF4;ng minh tr&#xEA;n b&#xE0;n.\" class=\"wp-image-10861\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smartphone-repair-tool-1024x678.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smartphone-repair-tool-300x199.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smartphone-repair-tool-768x509.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/smartphone-repair-tool.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u00c1p d\u1ee5ng b\u1ea3o hi\u1ec3m nh\u00fang v\u00e0o n\u0103m 2022<\/h2>\n\n<p>\u0110\u1ea1i d\u1ecbch COVID-19 ti\u1ebfp t\u1ee5c th\u00fac \u0111\u1ea9y s\u1ef1 quan t\u00e2m c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed1i v\u1edbi s\u1ee9c kh\u1ecfe, an to\u00e0n v\u00e0 b\u1ea3o v\u1ec7. Khi kh\u00e1ch h\u00e0ng tr\u1edf n\u00ean g\u1eafn b\u00f3 h\u01a1n v\u1edbi s\u1ef1 an to\u00e0n c\u1ee7a ch\u00ednh h\u1ecd, h\u1ecd c\u0169ng tr\u1edf n\u00ean quan t\u00e2m h\u01a1n \u0111\u1ebfn b\u1ea3o hi\u1ec3m. <\/p>\n\n<p>&#8220;Sau \u0111\u1ea1i d\u1ecbch COVID-19, th\u1ecb tr\u01b0\u1eddng to\u00e0n c\u1ea7u \u0111\u00e3 b\u1ecb thay \u0111\u1ed5i nghi\u00eam tr\u1ecdng v\u00e0 m\u1ed1i quan t\u00e2m c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 nh\u1eefng r\u1ee7i ro kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 th\u1eadm ch\u00ed c\u00f2n l\u1edbn h\u01a1n&#8221;, <a href=\"https:\/\/www.insurancejournal.com\/news\/national\/2021\/07\/19\/623327.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Noam Shapira<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 ch\u1ee7 t\u1ecbch t\u1ea1i Pattern Insurance Services, ng\u01b0\u1eddi cung c\u1ea5p b\u1ea3o hi\u1ec3m nh\u00fang, cho bi\u1ebft.<\/p>\n\n<p>Ng\u00e0y nay, b\u1ea3o hi\u1ec3m nh\u00fang c\u00f3 nhi\u1ec1u h\u00ecnh th\u1ee9c kh\u00e1c nhau, <a href=\"https:\/\/www.majesco.com\/why-the-embedded-insurance-recipe-will-work\/\" target=\"_blank\" rel=\"noreferrer noopener\">Denise Garth<\/a>, gi\u00e1m \u0111\u1ed1c chi\u1ebfn l\u01b0\u1ee3c t\u1ea1i Majesco, m\u1ed9t \u0111\u1ed1i t\u00e1c ph\u1ea7n m\u1ec1m c\u1ee7a th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m P&amp;C v\u00e0 L&amp;A vi\u1ebft. Ch\u00fang bao g\u1ed3m: <\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>B\u1ea3o hi\u1ec3m nh\u00fang m\u1ec1m<\/strong>, n\u01a1i kh\u00e1ch h\u00e0ng ch\u1ecdn tham gia b\u1ea3o hi\u1ec3m trong qu\u00e1 tr\u00ecnh mua, b\u1eb1ng c\u00e1ch \u0111\u1ed3ng \u00fd, v\u00ed d\u1ee5, mua b\u1ea3o h\u00e0nh m\u1edf r\u1ed9ng \u0111\u1ec3 b\u1ea3o hi\u1ec3m cho m\u1ed9t thi\u1ebft b\u1ecb.<\/li>\n\n\n\n<li><strong>B\u1ea3o hi\u1ec3m nh\u00fang c\u1ee9ng<\/strong>, l\u00e0 b\u1ea3o hi\u1ec3m ch\u1ecdn kh\u00f4ng tham gia. M\u1ed9t v\u00ed d\u1ee5 l\u00e0 khi m\u1ed9t t\u00e0i x\u1ebf chia s\u1ebb chuy\u1ebfn \u0111i quy\u1ebft \u0111\u1ecbnh kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m b\u1edfi ch\u00ednh s\u00e1ch \u00f4 d\u00f9 c\u1ee7a c\u00f4ng ty. <\/li>\n\n\n\n<li><strong>B\u1ea3o hi\u1ec3m nh\u00fang v\u00f4 h\u00ecnh<\/strong>, \u0111\u01b0\u1ee3c bao g\u1ed3m t\u1ef1 \u0111\u1ed9ng trong gi\u00e1 mua v\u00e0 \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p v\u1edbi m\u1eb7t h\u00e0ng, ch\u1eb3ng h\u1ea1n nh\u01b0 ch\u00ednh s\u00e1ch \u00f4 t\u00f4 l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a vi\u1ec7c mua m\u1ed9t chi\u1ebfc xe m\u1edbi.<\/li>\n<\/ul>\n\n<p>M\u1ed7i h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m nh\u00fang n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh \u0111\u1ec3 s\u1eed d\u1ee5ng trong c\u00e1c c\u00e0i \u0111\u1eb7t c\u1ee5 th\u1ec3. C\u1ea3 ba \u0111\u1ec1u cung c\u1ea5p c\u00e1c l\u1ee3i \u00edch c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang n\u00f3i chung. Ch\u00fang bao g\u1ed3m kh\u1ea3 n\u0103ng cung c\u1ea5p c\u00e1c ch\u00ednh s\u00e1ch \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a theo c\u00e1ch kh\u00f4ng ma s\u00e1t v\u00e0 thu th\u1eadp d\u1eef li\u1ec7u gi\u00fap c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m hi\u1ec3u r\u00f5 h\u01a1n v\u1ec1 r\u1ee7i ro v\u00e0 h\u00e0nh vi c\u1ee7a kh\u00e1ch h\u00e0ng, <a href=\"https:\/\/innoveo.com\/news\/embedded-insurance-is-the-future-of-insurance-distribution\/\" target=\"_blank\" rel=\"noreferrer noopener\">Barbara Peterfi<\/a> t\u1ea1i c\u00f4ng ty SaaS Innoveo vi\u1ebft.  <\/p>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang cung c\u1ea5p l\u1ee3i \u00edch cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, \u0111\u1ed1i t\u00e1c kinh doanh v\u00e0 kh\u00e1ch h\u00e0ng. &#8220;B\u1ea3o hi\u1ec3m nh\u00fang cung c\u1ea5p b\u1ea3o hi\u1ec3m khi r\u1ee7i ro l\u00e0 \u01b0u ti\u00ean h\u00e0ng \u0111\u1ea7u c\u1ee7a ng\u01b0\u1eddi mua. V\u00e0 n\u00f3 \u0111\u01b0a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ebfn g\u1ea7n h\u01a1n v\u1edbi nh\u1eefng r\u1ee7i ro ti\u1ec1m \u1ea9n&#8221;, <a href=\"https:\/\/www.albion.vc\/blog\/why-we-are-excited-about-embedded-insurance-2021\" target=\"_blank\" rel=\"noreferrer noopener\">Jessica Bartos<\/a>, m\u1ed9t nh\u00e0 \u0111\u1ea7u t\u01b0 t\u1ea1i Salesforce Ventures vi\u1ebft. C\u00e1c \u0111\u1ed1i t\u00e1c kinh doanh \u0111\u01b0\u1ee3c h\u01b0\u1edfng l\u1ee3i t\u1eeb vi\u1ec7c c\u1ea3i thi\u1ec7n quan h\u1ec7 kh\u00e1ch h\u00e0ng v\u00e0 k\u1ebft n\u1ed1i c\u1ee7a h\u1ecd v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u0169ng nh\u01b0 t\u0103ng ch\u1ea5t l\u01b0\u1ee3ng h\u00e0nh tr\u00ecnh c\u1ee7a kh\u00e1ch h\u00e0ng v\u00e0 s\u1ef1 quan t\u00e2m \u0111\u1ebfn kh\u00e1ch h\u00e0ng.  <\/p>\n\n<p>Tuy nhi\u00ean, b\u1ea3o hi\u1ec3m nh\u00fang c\u0169ng \u0111i k\u00e8m v\u1edbi nh\u1eefng th\u00e1ch th\u1ee9c, \u0111\u1eb7c bi\u1ec7t l\u00e0 trong th\u1eddi \u0111\u1ea1i gi\u00e1n \u0111o\u1ea1n k\u1ef9 thu\u1eadt s\u1ed1 nhanh ch\u00f3ng.<\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u1eafm b\u1eaft b\u1ea3o hi\u1ec3m nh\u00fang c\u1ea7n cam k\u1ebft ph\u00e1t tri\u1ec3n li\u00ean t\u1ee5c ki\u1ebfn tr\u00fac k\u1ef9 thu\u1eadt s\u1ed1 \u0111\u01b0\u1ee3c s\u1eed d\u1ee5ng trong vi\u1ec7c nh\u00fang b\u1ea3o hi\u1ec3m, nh\u01b0 t\u00edch h\u1ee3p API v\u00e0 h\u00f2a gi\u1ea3i. &#8220;C\u00f4ng ngh\u1ec7 ph\u1ea3i c\u00f3 kh\u1ea3 n\u0103ng m\u1edf r\u1ed9ng quy m\u00f4 qu\u1ed1c t\u1ebf li\u00ean quan \u0111\u1ebfn hi\u1ec7u su\u1ea5t, \u0111\u1ed9 tin c\u1eady v\u00e0 tu\u00e2n th\u1ee7&#8221;, <a href=\"https:\/\/www.munichre.com\/topics-online\/en\/digitalisation\/embedded-insurance-becoming-seamlessly-protected.html\" target=\"_blank\" rel=\"noreferrer noopener\">Martin Thormahlen<\/a>, ki\u1ebfn tr\u00fac s\u01b0 tr\u01b0\u1edfng, m\u00f4 h\u00ecnh kinh doanh k\u1ef9 thu\u1eadt s\u1ed1 t\u1ea1i Munich Re vi\u1ebft. <\/p>\n\n<p>Nhi\u1ec1u c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ed1i t\u00e1c kinh doanh d\u01b0\u1eddng nh\u01b0 h\u00e0o h\u1ee9ng \u0111\u00f3n nh\u1eadn nh\u1eefng th\u00e1ch th\u1ee9c n\u00e0y. &#8220;M\u1ecdi ng\u01b0\u1eddi \u0111\u1ec1u mu\u1ed1n \u0111\u01b0a b\u1ea3o hi\u1ec3m v\u00e0o b\u1ea5t k\u1ef3 h\u00e0nh tr\u00ecnh n\u00e0o c\u1ee7a kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 t\u1ed3n t\u1ea1i&#8221;, <a href=\"https:\/\/www.insurancebusinessmag.com\/ca\/news\/breaking-news\/embedded-insurance-the-trend-that-people-are-constantly-talking-about-310843.aspx\" target=\"_blank\" rel=\"noreferrer noopener\">Vikram Sidhu<\/a>, m\u1ed9t \u0111\u1ed1i t\u00e1c t\u1ea1i c\u00f4ng ty lu\u1eadt Clyde &amp;; Co. n\u00f3i. <\/p>\n\n<p>C\u1ea3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 c\u00e1c doanh nghi\u1ec7p phi b\u1ea3o hi\u1ec3m nh\u01b0 nh\u00e0 b\u00e1n l\u1ebb v\u00e0 nh\u00e0 s\u1ea3n xu\u1ea5t \u00f4 t\u00f4 \u0111\u1ec1u quan t\u00e2m \u0111\u1ebfn c\u00e1c c\u01a1 h\u1ed9i m\u00e0 b\u1ea3o hi\u1ec3m nh\u00fang cung c\u1ea5p. Do \u0111\u00f3, b\u1ea3o hi\u1ec3m nh\u00fang c\u00f3 th\u1ec3 s\u1ebd ti\u1ebfp t\u1ee5c \u0111\u1ea1t \u0111\u01b0\u1ee3c \u0111\u1ed9ng l\u1ef1c trong nh\u1eefng n\u0103m t\u1edbi. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/two-men-examining-tire-1024x683.jpg\" alt=\"C&#x1A1; kh&#xED; &#xF4; t&#xF4; n&#xF3;i v&#x1EC1; &#x1B0;u &#x111;i&#x1EC3;m c&#x1EE7;a l&#x1ED1;p &#xF4; t&#xF4; cho kh&#xE1;ch h&#xE0;ng tr&#x1EBB; &#x111;ang ph&#x1EE5;c v&#x1EE5;\" class=\"wp-image-10851\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/two-men-examining-tire-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/two-men-examining-tire-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/two-men-examining-tire-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/two-men-examining-tire.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">T\u01b0\u1edfng t\u01b0\u1ee3ng t\u01b0\u01a1ng lai c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang<\/h2>\n\n<p>M\u1ed9t trong nh\u1eefng h\u1ee9a h\u1eb9n l\u1edbn nh\u1ea5t l\u00e0 kh\u1ea3 n\u0103ng gi\u1ea3i quy\u1ebft kho\u1ea3ng c\u00e1ch b\u1ea3o hi\u1ec3m ng\u00e0y c\u00e0ng t\u0103ng.<\/p>\n\n<p>Kho\u1ea3ng c\u00e1ch b\u1ea3o v\u1ec7 b\u1ea3o hi\u1ec3m &#8211; s\u1ef1 kh\u00e1c bi\u1ec7t gi\u1eefa ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 kh\u00e1ch h\u00e0ng c\u1ea7n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u00e0 kh\u00e1ch h\u00e0ng th\u1ef1c s\u1ef1 c\u00f3 &#8211; \u0111\u00e3 t\u0103ng g\u1ea5p \u0111\u00f4i t\u1eeb n\u0103m 2000 \u0111\u1ebfn n\u0103m 2020, <a href=\"https:\/\/www.linkedin.com\/pulse\/embedded-insurance-3-trillion-market-opportunity-could-simon-torrance\/?trackingId=URCJGoln8ZVEQtHYxt4AkQ%3D%3D\" target=\"_blank\" rel=\"noreferrer noopener\">Simon Torrance<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp Embedded Finance &amp;; Super App Strategies vi\u1ebft.<\/p>\n\n<p>Kho\u1ea3ng c\u00e1ch n\u00e0y \u0111\u1eb7c bi\u1ec7t \u0111\u00e1ng lo ng\u1ea1i \u1edf c\u00e1c n\u1ec1n kinh t\u1ebf m\u1edbi n\u1ed5i, n\u01a1i c\u00f3 \u00edt h\u01a1n 10% r\u1ee7i ro \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m, <a href=\"https:\/\/riskandinsurance.com\/global-protection-gap-reached-trillions-but-might-be-good-news\/\" target=\"_blank\" rel=\"noreferrer noopener\">Thomas Holzheu<\/a>, nh\u00e0 kinh t\u1ebf tr\u01b0\u1edfng khu v\u1ef1c ch\u00e2u M\u1ef9 t\u1ea1i Vi\u1ec7n Swiss Re cho bi\u1ebft. B\u1ea3o hi\u1ec3m nh\u00fang l\u00e0m gi\u1ea3m m\u1ed9t s\u1ed1 kh\u00f3 kh\u0103n trong vi\u1ec7c ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m trong m\u1ed9t lo\u1ea1t c\u00e1c ho\u00e0n c\u1ea3nh kinh t\u1ebf. <\/p>\n\n<p>Khi c\u00f4ng ngh\u1ec7 ti\u1ebfp t\u1ee5c \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n, b\u1ea3o hi\u1ec3m nh\u00fang c\u0169ng h\u1ee9a h\u1eb9n s\u1ebd tr\u1edf n\u00ean li\u1ec1n m\u1ea1ch h\u01a1n kh\u00f4ng ch\u1ec9 trong ph\u00e2n ph\u1ed1i m\u00e0 c\u00f2n trong vi\u1ec7c x\u1eed l\u00fd khi\u1ebfu n\u1ea1i. V\u00ed d\u1ee5, b\u1ea3o hi\u1ec3m \u0111i\u1ec7n tho\u1ea1i nh\u00fang ZhongAn s\u1eed d\u1ee5ng c\u00e1c c\u1ea3m bi\u1ebfn b\u00ean trong c\u1ee7a \u0111i\u1ec7n tho\u1ea1i \u0111\u1ec3 ph\u00e1t hi\u1ec7n c\u00e1c v\u1ea5n \u0111\u1ec1. &#8220;Tr\u01b0\u1edbc khi b\u1ea1n nh\u1ea5c \u0111i\u1ec7n tho\u1ea1i b\u1ecb r\u01a1i c\u1ee7a m\u00ecnh v\u1edbi m\u00e0n h\u00ecnh b\u1ecb n\u1ee9t, ch\u00ednh s\u00e1ch nh\u00fang s\u1ebd \u0111\u01b0\u1ee3c k\u00edch ho\u1ea1t b\u1edfi c\u00e1c c\u1ea3m bi\u1ebfn b\u00ean trong v\u00e0 m\u1ed9t chi\u1ebfc \u0111i\u1ec7n tho\u1ea1i m\u1edbi s\u1ebd xu\u1ea5t hi\u1ec7n. Kh\u00f4ng c\u1ea7n y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng l\u1ed9n x\u1ed9n ho\u1eb7c \u01b0\u1edbc t\u00ednh s\u1eeda ch\u1eefa&#8221;, <a href=\"https:\/\/www.insurtechworld.org\/post\/102hey3\/embedded-insurance-where-are-we-now\" target=\"_blank\" rel=\"noreferrer noopener\">Alex Lazarow<\/a>, \u0111\u1ed1i t\u00e1c c\u1ee7a Cathay Innovation, vi\u1ebft.  <\/p>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang th\u1eadm ch\u00ed c\u00f2n c\u00f3 kh\u1ea3 n\u0103ng thay \u0111\u1ed5i c\u1ea3m nh\u1eadn c\u1ee7a kh\u00e1ch h\u00e0ng v\u1ec1 b\u1ea3o hi\u1ec3m n\u00f3i chung, <a href=\"https:\/\/medium.com\/digital-diplomacy\/embedded-insurance-cbc408ebfb7\" target=\"_blank\" rel=\"noreferrer noopener\">Noorjit Sidhu<\/a>, gi\u00e1m \u0111\u1ed1c c\u00f4ng ty \u0111\u1ea7u t\u01b0 v\u00e0 chuy\u1ec3n \u0111\u1ed5i c\u00f4ng ngh\u1ec7 SaxeCap d\u1ef1 \u0111o\u00e1n. Khi b\u1ea3o hi\u1ec3m tr\u1edf th\u00e0nh m\u1ed9t ph\u1ea7n t\u1ef1 nhi\u00ean c\u1ee7a vi\u1ec7c mua nh\u00e0, xe h\u01a1i v\u00e0 c\u00e1c m\u1eb7t h\u00e0ng kh\u00e1c, kh\u00e1ch h\u00e0ng s\u1ebd b\u1eaft \u0111\u1ea7u c\u1ea3m th\u1ea5y m\u1ea5t m\u00e1t khi n\u00f3 kh\u00f4ng \u0111\u01b0\u1ee3c bao g\u1ed3m. M\u1ed9t ph\u1ea7n c\u1ee7a vi\u1ec7c nh\u1eadn ra t\u1ed5n th\u1ea5t \u0111\u00f3 l\u00e0 nh\u1eadn ra gi\u00e1 tr\u1ecb m\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m b\u1ed5 sung. Thay v\u00ec tr\u1edf th\u00e0nh m\u1ed9t ngh\u0129a v\u1ee5, b\u1ea3o hi\u1ec3m tr\u1edf th\u00e0nh m\u1ed9t gi\u00e1 tr\u1ecb.   <\/p>\n\n<p>&#8220;Nhi\u1ec1u kh\u00e1ch h\u00e0ng kh\u00f4ng c\u00f2n nh\u1eadn th\u1ea5y gi\u00e1 tr\u1ecb trong c\u00e1c ch\u00ednh s\u00e1ch d\u00e0i h\u1ea1n truy\u1ec1n th\u1ed1ng, n\u01a1i gi\u00e1 v\u1eabn c\u1ed1 \u0111\u1ecbnh b\u1ea5t k\u1ec3 h\u1ecd s\u1eed d\u1ee5ng n\u00f3 khi n\u00e0o ho\u1eb7c nh\u01b0 th\u1ebf n\u00e0o. \u0110\u1ed1i v\u1edbi nh\u1eefng kh\u00e1ch h\u00e0ng nh\u01b0 th\u1ebf n\u00e0y, b\u1ea3o hi\u1ec3m nh\u00fang c\u00f3 v\u1ebb c\u00f4ng b\u1eb1ng h\u01a1n nhi\u1ec1u v\u00ec n\u00f3 nh\u1eafm m\u1ee5c ti\u00eau t\u00f9y ch\u1ec9nh m\u00e0 h\u1ecd \u0111ang t\u00ecm ki\u1ebfm, &#8221; <a href=\"https:\/\/www.insurancethoughtleadership.com\/embedded-insurance-the-new-hot-topic\/\" target=\"_blank\" rel=\"noreferrer noopener\">Joan Cusco<\/a>, ng\u01b0\u1eddi \u0111\u1ee9ng \u0111\u1ea7u chuy\u1ec3n \u0111\u1ed5i to\u00e0n c\u1ea7u t\u1ea1i B\u1ea3o hi\u1ec3m MAPFRE vi\u1ebft. Kh\u00e1ch h\u00e0ng th\u1ea5y b\u1ea3o hi\u1ec3m nh\u00fang c\u00f3 li\u00ean quan \u0111\u1ebfn c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m kh\u00e1c m\u00e0 h\u1ecd th\u1ea5y c\u00f4ng b\u1eb1ng h\u01a1n, nh\u01b0 b\u1ea3o hi\u1ec3m tr\u1ea3 ti\u1ec1n khi b\u1ea1n l\u00e1i xe cho xe. S\u1ef1 li\u00ean k\u1ebft c\u1ee7a n\u00f3 v\u1edbi c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p n\u00e0y mang l\u1ea1i cho b\u1ea3o hi\u1ec3m nh\u00fang m\u1ed9t s\u1ef1 th\u00fac \u0111\u1ea9y trong s\u1ef1 quan t\u00e2m c\u1ee7a kh\u00e1ch h\u00e0ng, c\u00f3 kh\u1ea3 n\u0103ng ti\u1ebfp t\u1ee5c t\u0103ng tr\u01b0\u1edfng trong nh\u1eefng n\u0103m t\u1edbi.  <\/p>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang mang l\u1ea1i s\u1ef1 ti\u1ec7n l\u1ee3i cho kh\u00e1ch h\u00e0ng. N\u00f3 cung c\u1ea5p cho c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u01a1 h\u1ed9i x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng v\u00e0o \u0111\u00fang th\u1eddi \u0111i\u1ec3m kh\u00e1ch h\u00e0ng c\u1ea7n s\u1ef1 gi\u00fap \u0111\u1ee1 c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. C\u00e1ch ti\u1ebfp c\u1eadn kh\u00f4ng ma s\u00e1t c\u1ee7a n\u00f3 b\u00e1o tr\u01b0\u1edbc m\u1ed9t th\u1ebf gi\u1edbi n\u01a1i kh\u00e1ch h\u00e0ng c\u00f3 b\u1ea3o hi\u1ec3m h\u1ecd c\u1ea7n v\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng m\u1ea1nh m\u1ebd h\u01a1n, l\u00e2u d\u00e0i h\u01a1n. Do \u0111\u00f3, b\u1ea3o hi\u1ec3m nh\u00fang c\u00f3 th\u1ec3 s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n trong nh\u1eefng n\u0103m t\u1edbi.   <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: wutwhan\/\u00a9123RF.com, aoo3771\/\u00a9123RF.com, ufabizphoto\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>B\u1ea3o hi\u1ec3m nh\u00fang cung c\u1ea5p b\u1ea3o hi\u1ec3m t\u1ea1i \u0111i\u1ec3m b\u00e1n cho c\u00e1c m\u1eb7t h\u00e0ng y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m. T\u1eeb b\u1ea3o h\u00e0nh v\u1ec1 \u0111i\u1ec7n t\u1eed ti\u00eau d\u00f9ng \u0111\u1ebfn c\u00e1c ch\u00ednh s\u00e1ch \u00f4 t\u00f4 ch\u00ednh th\u1ee9c, b\u1ea3o hi\u1ec3m nh\u00fang \u0111ang nhanh ch\u00f3ng tr\u1edf n\u00ean ph\u1ed5 bi\u1ebfn. \u0110\u00e2y l\u00e0 v\u1ecb tr\u00ed c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang v\u00e0o n\u0103m 2022 [&hellip;]<\/p>\n","protected":false},"featured_media":0,"template":"","insight-category":[],"class_list":["post-22261","insight","type-insight","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/22261","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:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=22261"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=22261"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}