{"id":22307,"date":"2024-10-08T18:22:06","date_gmt":"2024-10-08T23:22:06","guid":{"rendered":"https:\/\/bolttech.io\/insights\/lam-the-nao-de-bao-hiem-nhung-giam-chi-phi-mua-lai-khach-hang-cho-cac-nha-cung-cap-dich-vu\/"},"modified":"2024-10-08T18:22:08","modified_gmt":"2024-10-08T23:22:08","slug":"lam-the-nao-de-bao-hiem-nhung-giam-chi-phi-mua-lai-khach-hang-cho-cac-nha-cung-cap-dich-vu","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/vi\/insights\/lam-the-nao-de-bao-hiem-nhung-giam-chi-phi-mua-lai-khach-hang-cho-cac-nha-cung-cap-dich-vu\/","title":{"rendered":"L\u00e0m th\u1ebf n\u00e0o \u0111\u1ec3 b\u1ea3o hi\u1ec3m nh\u00fang gi\u1ea3m chi ph\u00ed mua l\u1ea1i kh\u00e1ch h\u00e0ng cho c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5?"},"content":{"rendered":"\n<p>Thu h\u00fat kh\u00e1ch h\u00e0ng l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong. Tuy nhi\u00ean, chi ph\u00ed \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng m\u1edbi c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n &#8211; v\u00e0 kh\u00e1ch h\u00e0ng s\u1eb5n s\u00e0ng h\u01a1n bao gi\u1edd h\u1ebft \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i c\u00f4ng ty b\u1ea3o hi\u1ec3m cho ph\u00f9 h\u1ee3p v\u1edbi ch\u00ednh h\u1ecd. <\/p>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang cung c\u1ea5p m\u1ed9t c\u00e1ch \u0111\u1ec3 gi\u1ea3m chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng v\u00e0 t\u0103ng l\u00f2ng trung th\u00e0nh. B\u1eb1ng c\u00e1ch l\u00e0m cho vi\u1ec7c thu h\u00fat v\u00e0 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng d\u1ec5 d\u00e0ng h\u01a1n, b\u1ea3o hi\u1ec3m nh\u00fang cho ph\u00e9p k\u1ebft n\u1ed1i s\u00e2u s\u1eafc h\u01a1n v\u00e0 m\u1ed1i quan h\u1ec7 l\u00e2u d\u00e0i t\u1ed1t h\u01a1n gi\u1eefa c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&amp;C v\u00e0 kh\u00e1ch h\u00e0ng m\u00e0 h\u1ecd ph\u1ee5c v\u1ee5. <\/p>\n\n<h2 class=\"wp-block-heading\">Chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng cao<\/h2>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong \u0111\u00e3 chi h\u00e0ng t\u1ef7 USD cho qu\u1ea3ng c\u00e1o v\u00e0o n\u0103m 2020, ch\u1ec9 ri\u00eang Progressive \u0111\u00e3 chi g\u1ea7n 2 t\u1ef7 USD, <a href=\"https:\/\/www.spglobal.com\/marketintelligence\/en\/news-insights\/latest-news-headlines\/insurers-that-spent-the-most-on-advertising-in-2020-64864585\" target=\"_blank\" rel=\"noreferrer noopener\">Sarah Barry James v\u00e0 Kris Elaine Figuracion<\/a> c\u1ee7a S&amp;P Global Market Intelligence vi\u1ebft. V\u00e0 qu\u1ea3ng c\u00e1o ch\u1ec9 l\u00e0 m\u1ed9t ph\u1ea7n trong t\u1ed5ng chi ph\u00ed \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng m\u1edbi. <\/p>\n\n<p>B\u1ea3o hi\u1ec3m c\u00f3 m\u1ed9t trong nh\u1eefng chi ph\u00ed \u01b0\u1edbc t\u00ednh cao nh\u1ea5t \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng trong b\u1ea5t k\u1ef3 ng\u00e0nh n\u00e0o. Tr\u00ean t\u1ea5t c\u1ea3 c\u00e1c ng\u00e0nh, chi ph\u00ed \u01b0\u1edbc t\u00ednh \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c m\u1ed9t kh\u00e1ch h\u00e0ng m\u1edbi g\u1ea5p n\u0103m l\u1ea7n chi ph\u00ed gi\u1eef ch\u00e2n m\u1ed9t kh\u00e1ch h\u00e0ng hi\u1ec7n c\u00f3. Tuy nhi\u00ean, trong b\u1ea3o hi\u1ec3m, vi\u1ec7c mua l\u1ea1i \u0111\u1eaft h\u01a1n b\u1ea3y \u0111\u1ebfn ch\u00edn l\u1ea7n so v\u1edbi vi\u1ec7c duy tr\u00ec &#8211; t\u1eeb $ 487 \u0111\u1ebfn $ 900 cho m\u1ed7i kh\u00e1ch h\u00e0ng, <a href=\"https:\/\/www.forbes.com\/sites\/theyec\/2020\/01\/02\/customer-acquisition-the-most-important-lever-for-disruption\/?sh=58dda8804e80\" target=\"_blank\" rel=\"noreferrer noopener\">Sean Harper<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp v\u00e0 CEO t\u1ea1i Kin Insurance vi\u1ebft. Thuy\u1ebft ph\u1ee5c kh\u00e1ch h\u00e0ng m\u1edbi mua b\u1ea3o hi\u1ec3m l\u00e0 t\u1ed1n k\u00e9m.   <\/p>\n\n<p>Chi ph\u00ed mua l\u1ea1i kh\u00e1ch h\u00e0ng (CAC) c\u00f3 t\u00e1c \u0111\u1ed9ng tr\u1ef1c ti\u1ebfp \u0111\u1ebfn l\u1ee3i nhu\u1eadn c\u1ee7a h\u00e3ng v\u1eadn chuy\u1ec3n. C\u00e0ng t\u1ed1n nhi\u1ec1u chi ph\u00ed \u0111\u1ec3 mang l\u1ea1i m\u1ed9t kh\u00e1ch h\u00e0ng m\u1edbi, kh\u00e1ch h\u00e0ng s\u1ebd c\u00e0ng c\u1ea7n ph\u1ea3i chi ti\u00eau nhi\u1ec1u h\u01a1n v\u00e0 m\u1ed1i quan h\u1ec7 s\u1ebd c\u1ea7n \u0111\u01b0\u1ee3c duy tr\u00ec l\u00e2u h\u01a1n \u0111\u1ec3 vi\u1ec7c mua l\u1ea1i tr\u1edf th\u00e0nh l\u1ee3i \u00edch r\u00f2ng cho c\u00f4ng ty b\u1ea3o hi\u1ec3m. Trong th\u1eddi \u0111\u1ea1i c\u1ee7a s\u1ef1 l\u1ef1a ch\u1ecdn v\u00e0 di chuy\u1ec3n c\u1ee7a kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m, vi\u1ec7c gi\u1ea3i quy\u1ebft c\u00e1c chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng c\u00f3 th\u1ec3 kh\u00f3 kh\u0103n h\u01a1n bao gi\u1edd h\u1ebft.  <\/p>\n\n<p>B\u1edfi v\u00ec chi ph\u00ed mua l\u1ea1i kh\u00e1ch h\u00e0ng g\u1eafn li\u1ec1n v\u1edbi \u0111i\u1ec3m m\u1ea5u ch\u1ed1t, vi\u1ec7c gi\u1ea3i quy\u1ebft ch\u00fang c\u00f3 t\u00e1c \u0111\u1ed9ng s\u00e2u s\u1eafc \u0111\u1ebfn m\u1ee5c ti\u00eau kinh doanh c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m. &#8220;Gi\u1ea3m CAC c\u00f3 ngh\u0129a l\u00e0 doanh nghi\u1ec7p \u0111ang chi ti\u00eau ti\u1ec1n hi\u1ec7u qu\u1ea3 h\u01a1n v\u00e0 s\u1ebd th\u1ea5y l\u1ee3i nhu\u1eadn cao h\u01a1n trong t\u1ed5ng l\u1ee3i nhu\u1eadn c\u1ee7a m\u00ecnh&#8221;, <a href=\"https:\/\/blog.hubspot.com\/service\/what-does-cac-stand-for?__hstc=103362207.8432e18fe1b4e270bd8d783f6794e506.1724072077526.1724252449792.1724256511253.9&amp;__hssc=103362207.12.1725274883906&amp;__hsfp=3405490495\" target=\"_blank\" rel=\"noreferrer noopener\">Sophia Bernazzani<\/a>, gi\u00e1m \u0111\u1ed1c ti\u1ebfp th\u1ecb s\u1ea3n ph\u1ea9m t\u1ea1i nh\u00e0 cung c\u1ea5p c\u00f4ng ngh\u1ec7 c\u1ed9ng t\u00e1c Owl Labs vi\u1ebft. <\/p>\n\n<p>V\u00e0 chi ph\u00ed mua l\u1ea1i cao \u0111\u01b0\u1ee3c chuy\u1ec3n cho kh\u00e1ch h\u00e0ng. Ngay c\u1ea3 trong s\u1ed1 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m P&amp;C l\u00e0 nh\u1eefng nh\u00e0 \u0111\u1ed5i m\u1edbi k\u1ef9 thu\u1eadt s\u1ed1, s\u1ef1 ph\u1ee5 thu\u1ed9c v\u00e0o c\u00e1c ph\u01b0\u01a1ng ph\u00e1p ti\u1ebfn h\u00e0nh kinh doanh kh\u00f4ng hi\u1ec7u qu\u1ea3 v\u1eabn c\u00f2n r\u1ea5t nhi\u1ec1u, theo m\u1ed9t nghi\u00ean c\u1ee9u v\u00e0o th\u00e1ng 4\/2021 c\u1ee7a c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u <a href=\"https:\/\/digitalcommons.kennesaw.edu\/cgi\/viewcontent.cgi?article=1822&amp;context=ajis\" target=\"_blank\" rel=\"noreferrer noopener\">Craig Paul Pillay v\u00e0 James Kariuki Njenga<\/a>. S\u1ef1 thi\u1ebfu hi\u1ec7u qu\u1ea3 t\u1eeb c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c ph\u1ea3n \u00e1nh trong m\u1ee9c gi\u00e1 cao h\u01a1n m\u00e0 kh\u00e1ch h\u00e0ng ph\u1ea3i tr\u1ea3. Khi s\u1ef1 m\u1ea5t c\u00e2n b\u1eb1ng n\u00e0y m\u1edf r\u1ed9ng, kh\u00e1ch h\u00e0ng b\u1eaft \u0111\u1ea7u \u0111\u1eb7t c\u00e2u h\u1ecfi v\u1ec1 gi\u00e1 tr\u1ecb m\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd cung c\u1ea5p. H\u1ecd c\u00f3 th\u1ec3 t\u00ecm ki\u1ebfm b\u1ea3o hi\u1ec3m t\u1eeb m\u1ed9t nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 kh\u00e1c, l\u00e0m tr\u1ea7m tr\u1ecdng th\u00eam v\u1ea5n \u0111\u1ec1 b\u1eb1ng c\u00e1ch bu\u1ed9c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 quay tr\u1edf l\u1ea1i \u0111\u1ec3 thu h\u00fat kh\u00e1ch h\u00e0ng.    <\/p>\n\n<p>Vi\u1ec7c thu h\u00fat kh\u00e1ch h\u00e0ng kh\u00f4ng ch\u1ec9 t\u1ed1n k\u00e9m m\u00e0 c\u00f2n th\u01b0\u1eddng kh\u00f4ng hi\u1ec7u qu\u1ea3 trong vi\u1ec7c kh\u00f4ng cung c\u1ea5p b\u1ea3o hi\u1ec3m m\u00e0 kh\u00e1ch h\u00e0ng th\u1ef1c s\u1ef1 c\u1ea7n. Vi\u1ec7n Gi\u00e1 tr\u1ecb Kinh doanh IBM \u01b0\u1edbc t\u00ednh c\u00f3 kho\u1ea3ng c\u00e1ch 1,2 ngh\u00ecn t\u1ef7 \u0111\u00f4 la gi\u1eefa b\u1ea3o hi\u1ec3m m\u00e0 kh\u00e1ch h\u00e0ng c\u1ea7n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m hi\u1ec7n \u0111ang ho\u1ea1t \u0111\u1ed9ng tr\u00ean to\u00e0n th\u1ebf gi\u1edbi. &#8220;Vi\u1ec7c chi\u1ebft r\u00f3t [this gap] s\u1ebd y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m \u0111\u00e1p \u1ee9ng nhanh h\u01a1n, minh b\u1ea1ch h\u01a1n v\u00e0 gi\u00e1 c\u1ea3 ph\u1ea3i ch\u0103ng &#8211; ch\u01b0a k\u1ec3 \u0111\u1ebfn vi\u1ec7c s\u1eed d\u1ee5ng v\u00e0 mua d\u1ec5 d\u00e0ng h\u01a1n&#8221;, <a href=\"https:\/\/www.ibm.com\/thought-leadership\/institute-business-value\/report\/embedded-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">Rob Bauer c\u1ee7a bolttech v\u00e0 Yoann Michaux &amp;; Mark McLaughlin c\u1ee7a IBM<\/a> vi\u1ebft. B\u1ea3o hi\u1ec3m nh\u00fang \u0111\u00e1p \u1ee9ng m\u00f4 t\u1ea3 n\u00e0y, l\u00e0m cho n\u00f3 tr\u1edf th\u00e0nh m\u1ed9t l\u1ef1a ch\u1ecdn \u0111\u1ea7y h\u1ee9a h\u1eb9n \u0111\u1ec3 c\u1ea3i thi\u1ec7n ph\u1ea1m vi b\u1ea3o hi\u1ec3m c\u0169ng nh\u01b0 gi\u1ea3m chi ph\u00ed.   <\/p>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang c\u00f3 th\u1ec3 gi\u00fap l\u1ea5p \u0111\u1ea7y kho\u1ea3ng tr\u1ed1ng b\u1ea3o hi\u1ec3m trong khi l\u00e0m cho c\u00e1c ngu\u1ed3n l\u1ef1c thu h\u00fat kh\u00e1ch h\u00e0ng hi\u1ec7u qu\u1ea3 h\u01a1n. B\u1ea3o hi\u1ec3m nh\u00fang cung c\u1ea5p m\u1ed9t c\u00e1ch \u0111\u1ec3 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m tr\u1ef1c ti\u1ebfp gi\u1ea3i quy\u1ebft l\u1ee3i nhu\u1eadn c\u1ee7a h\u1ecd \u0111\u1ed3ng th\u1eddi cung c\u1ea5p tr\u1ea3i nghi\u1ec7m b\u1ea3o hi\u1ec3m h\u1ee3p l\u00fd, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a m\u00e0 kh\u00e1ch h\u00e0ng mong \u0111\u1ee3i. <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/travel-agency-consultation-1024x684.jpg\" alt=\"vui v&#x1EBB; thanh l&#x1ECB;ch n&#x1EEF; kh&#xE1;ch h&#xE0;ng c&#x1EA3;m th&#x1EA5;y h&#x1EA1;nh ph&#xFA;c khi &#x111;&#x1EA1;i l&#xFD; du l&#x1ECB;ch qu&#x1EA3;n l&#xFD; c&#xF4;ng ty ng&#x1B0;&#x1EDD;i ph&#x1EE5; n&#x1EEF; s&#x1EED; d&#x1EE5;ng m&#xE1;y t&#xED;nh pad di &#x111;&#x1ED9;ng hi&#x1EC3;n th&#x1ECB; gi&#xE1; &#x111;&#x1EB7;c bi&#x1EC7;t cho c&#xF4; &#x1EA5;y\" class=\"wp-image-10934\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/travel-agency-consultation-1024x684.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/travel-agency-consultation-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/travel-agency-consultation-768x513.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/travel-agency-consultation.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">G\u1eb7p g\u1ee1 kh\u00e1ch h\u00e0ng \u1edf n\u01a1i h\u1ecd \u0111ang \u1edf<\/h2>\n\n<p>Chuy\u1ec3n \u0111\u1ed5i s\u1ed1 l\u00e0 m\u1ed9t th\u1ef1c t\u1ebf hi\u1ec7n t\u1ea1i, h\u00e0ng ng\u00e0y \u0111\u1ed1i v\u1edbi c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m. V\u1eabn c\u00f2n nhi\u1ec1u d\u01b0 \u0111\u1ecba \u0111\u1ec3 c\u1ea3i thi\u1ec7n tr\u1ea3i nghi\u1ec7m c\u1ee7a kh\u00e1ch h\u00e0ng th\u00f4ng qua c\u00e1c k\u00eanh k\u1ef9 thu\u1eadt s\u1ed1, bao g\u1ed3m c\u1ea3 vi\u1ec7c s\u1eed d\u1ee5ng b\u1ea3o hi\u1ec3m nh\u00fang. <\/p>\n\n<p>H\u1ea7u h\u1ebft c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u1ec1u c\u00f3 s\u1ef1 hi\u1ec7n di\u1ec7n tr\u1ef1c tuy\u1ebfn c\u01a1 b\u1ea3n. Tuy nhi\u00ean, &#8220;r\u1ea5t \u00edt ng\u01b0\u1eddi cung c\u1ea5p tr\u1ea3i nghi\u1ec7m t\u1ed5ng th\u1ec3 \u0111\u01b0\u1ee3c c\u1ea3i thi\u1ec7n r\u00f5 r\u1ec7t, \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a cao th\u00f4ng qua k\u1ef9 thu\u1eadt s\u1ed1&#8221;, <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2021-us-insurance-digital-experience-study\" target=\"_blank\" rel=\"noreferrer noopener\">Michael Ellison<\/a>, ch\u1ee7 t\u1ecbch c\u00f4ng ty nghi\u00ean c\u1ee9u v\u00e0 t\u01b0 v\u1ea5n Corporate Insight l\u01b0u \u00fd. B\u1ea3o hi\u1ec3m nh\u00fang l\u00e0 m\u1ed9t c\u00e1ch \u0111\u1ec3 cung c\u1ea5p tr\u1ea3i nghi\u1ec7m c\u00e1 nh\u00e2n h\u00f3a cho kh\u00e1ch h\u00e0ng t\u1ea1i ch\u00ednh x\u00e1c th\u1eddi \u0111i\u1ec3m trong h\u00e0nh tr\u00ecnh c\u1ee7a kh\u00e1ch h\u00e0ng m\u00e0 n\u00f3 c\u1ea7n nh\u1ea5t.  <\/p>\n\n<p>G\u00f3i b\u1ea3o hi\u1ec3m nh\u00fang b\u1ea3o hi\u1ec3m v\u1edbi vi\u1ec7c mua s\u1ea3n ph\u1ea9m ho\u1eb7c d\u1ecbch v\u1ee5 m\u00e0 y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m. V\u00ed d\u1ee5, b\u1ea3o hi\u1ec3m \u00f4 t\u00f4 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c bao g\u1ed3m trong gi\u00e1 mua c\u1ee7a m\u1ed9t chi\u1ebfc xe, ho\u1eb7c b\u1ea3o hi\u1ec3m du l\u1ecbch c\u00f3 th\u1ec3 l\u00e0 m\u1ed9t ph\u1ea7n c\u1ee7a vi\u1ec7c mua v\u00e9 m\u00e1y bay. <\/p>\n\n<p>\u0110\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng, gi\u00e1 tr\u1ecb c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang n\u1eb1m \u1edf s\u1ef1 d\u1ec5 ti\u1ebfp c\u1eadn. Nhi\u1ec1u kh\u00e1ch h\u00e0ng s\u1ebd kh\u00f4ng \u0111i ra ngo\u00e0i \u0111\u1ec3 t\u00ecm b\u1ea3o hi\u1ec3m ri\u00eang cho m\u1ed9t giao d\u1ecbch mua m\u1edbi tr\u1eeb khi h\u1ecd \u0111\u01b0\u1ee3c y\u00eau c\u1ea7u l\u00e0m nh\u01b0 v\u1eady. &#8220;Ng\u01b0\u1ee3c l\u1ea1i, c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c nh\u00fang t\u1ef1 nhi\u00ean cho ph\u00e9p kh\u00e1ch h\u00e0ng b\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n v\u00e0 t\u00e0i s\u1ea3n c\u1ee7a h\u1ecd tr\u01b0\u1edbc nh\u1eefng t\u1ed5n th\u1ea5t kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u1edbi s\u1ef1 tham gia th\u1ea5p ch\u01b0a t\u1eebng c\u00f3 (ho\u1eb7c th\u1eadm ch\u00ed kh\u00f4ng c\u00f3)&#8221;, <a href=\"https:\/\/www.baloise.com\/en\/home\/news-stories\/news\/blog\/2019\/why-embedded-insurance-is-a-game-changer-for-insurers-and-their-customers.html\" target=\"_blank\" rel=\"noreferrer noopener\">Sibylle Fischer<\/a>, gi\u00e1m \u0111\u1ed1c m\u1ea1o hi\u1ec3m chi\u1ebfn l\u01b0\u1ee3c v\u00e0 trinh s\u00e1t kh\u1edfi nghi\u1ec7p t\u1ea1i Baloise Group vi\u1ebft. K\u1ebft qu\u1ea3 l\u00e0 s\u1ef1 an t\u00e2m t\u1ed1t h\u01a1n cho kh\u00e1ch h\u00e0ng v\u00e0 c\u1ea3i thi\u1ec7n s\u1ef1 quan t\u00e2m \u0111\u1ebfn b\u1ea3o hi\u1ec3m.   <\/p>\n\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, b\u1ea3o hi\u1ec3m nh\u00fang gi\u1ea3i quy\u1ebft m\u1ed9t chi ph\u00ed \u1ea9n kh\u00e1c c\u1ee7a vi\u1ec7c thu h\u00fat kh\u00e1ch h\u00e0ng: chi ph\u00ed gi\u1edbi thi\u1ec7u m\u1ed9t kh\u00e1ch h\u00e0ng m\u1edbi mua. Gi\u1edbi thi\u1ec7u l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft \u0111\u1ec3 cung c\u1ea5p d\u1ecbch v\u1ee5 \u0111\u01b0\u1ee3c c\u00e1 nh\u00e2n h\u00f3a m\u00e0 kh\u00e1ch h\u00e0ng mu\u1ed1n, nh\u01b0ng n\u00f3 th\u01b0\u1eddng b\u1ecb c\u00e1c nh\u00f3m b\u00e1n h\u00e0ng b\u1ecf qua, <a href=\"https:\/\/www.forbes.com\/sites\/forbestechcouncil\/2021\/07\/21\/customer-acquisition-costs-often-dont-include-customer-onboarding-expenses-but-they-should\/\" target=\"_blank\" rel=\"noreferrer noopener\">Peter Ord<\/a>, ng\u01b0\u1eddi s\u00e1ng l\u1eadp v\u00e0 CEO t\u1ea1i n\u1ec1n t\u1ea3ng tri\u1ec3n khai v\u00e0 gi\u1edbi thi\u1ec7u kh\u00e1ch h\u00e0ng GuideCX vi\u1ebft. <\/p>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang b\u1eaft \u0111\u1ea7u qu\u00e1 tr\u00ecnh gi\u1edbi thi\u1ec7u b\u1eb1ng c\u00e1ch thu th\u1eadp th\u00f4ng tin c\u01a1 b\u1ea3n v\u00e0 tri\u1ec3n khai b\u1ea3o hi\u1ec3m cho kh\u00e1ch h\u00e0ng. V\u1edbi th\u00f4ng tin ban \u0111\u1ea7u n\u00e0y trong tay, c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i v\u00e0 \u0111\u1ea1i l\u00fd c\u00f3 th\u1ec3 \u0111i s\u00e2u v\u00e0o c\u00f4ng vi\u1ec7c gi\u00e1o d\u1ee5c kh\u00e1ch h\u00e0ng v\u1ec1 gi\u00e1 tr\u1ecb c\u1ee7a ch\u00ednh s\u00e1ch v\u00e0 c\u00e1c t\u00f9y ch\u1ecdn b\u1ea3o hi\u1ec3m b\u1ed5 sung c\u00f3 s\u1eb5n. <\/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\/buying-a-car-1024x683.jpg\" alt=\"C&#x1EB7;p v&#x1EE3; ch&#x1ED3;ng tr&#x1EBB; d&#x1EF1;a v&#xE0;o chi&#x1EBF;c xe m&#x1EDB;i c&#x1EE7;a h&#x1ECD; trong m&#x1ED9;t tri&#x1EC3;n l&#xE3;m &#xF4; t&#xF4;\" class=\"wp-image-10924\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/buying-a-car-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/buying-a-car-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/buying-a-car-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/buying-a-car.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u0110\u01b0a b\u1ea3o hi\u1ec3m nh\u00fang v\u00e0o ho\u1ea1t \u0111\u1ed9ng cho kh\u00e1ch h\u00e0ng v\u00e0 nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5<\/h2>\n\n<p>Chi ph\u00ed thu h\u00fat kh\u00e1ch h\u00e0ng kh\u00f4ng ch\u1ec9 do c\u00e1c nh\u00e0 m\u1ea1ng ch\u1ecbu. C\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m c\u0169ng ph\u1ea3i v\u1eadt l\u1ed9n v\u1edbi chi ph\u00ed cao \u0111\u1ec3 bi\u1ebfn kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng th\u00e0nh kh\u00e1ch h\u00e0ng. <\/p>\n\n<p>\u0110\u1ed1i v\u1edbi c\u00e1c \u0111\u1ea1i l\u00fd, c\u00f3 th\u1ec3 \u0111\u1eb7c bi\u1ec7t kh\u00f3 kh\u0103n \u0111\u1ec3 xem vi\u1ec7c gi\u1edbi thi\u1ec7u m\u1ed9t kh\u00e1ch h\u00e0ng m\u1edbi mang l\u1ea1i hi\u1ec7u qu\u1ea3 nh\u01b0 th\u1ebf n\u00e0o, v\u00ec chi ph\u00ed th\u01b0\u1eddng ngay l\u1eadp t\u1ee9c nh\u01b0ng gi\u00e1 tr\u1ecb c\u1ee7a m\u1ed1i quan h\u1ec7 ch\u1ec9 m\u1edf ra theo th\u1eddi gian. C\u00e1c \u0111\u1ea1i l\u00fd b\u1ecf l\u1ee1 gi\u00e1 tr\u1ecb c\u1ee7a vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 c\u00f3 nguy c\u01a1 chi ti\u00eau s\u1ed1 ti\u1ec1n v\u00e0 th\u1eddi gian ng\u00e0y c\u00e0ng t\u0103ng cho vi\u1ec7c thu h\u00fat kh\u00e1ch h\u00e0ng m\u00e0 kh\u00f4ng c\u00f3 l\u1ee3i \u00edch, <a href=\"https:\/\/www.propertycasualty360.com\/2021\/02\/19\/how-insurance-agents-can-reduce-customer-acquisition-costs\/\" target=\"_blank\" rel=\"noreferrer noopener\">Carl Maerz<\/a>, \u0111\u1ed3ng s\u00e1ng l\u1eadp c\u1ee7a Rocket Referrals vi\u1ebft. <\/p>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang gi\u00fap c\u00e1c \u0111\u1ea1i l\u00fd n\u00e0y b\u1eb1ng c\u00e1ch gi\u1ea3m chi ph\u00ed th\u1eddi gian v\u00e0 ti\u1ec1n b\u1ea1c \u0111\u1ec3 k\u1ebft n\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng m\u1edbi. V\u1edbi vi\u1ec7c mua l\u1ea1i, c\u00e1c \u0111\u1ea1i l\u00fd c\u00f3 th\u1ec3 chuy\u1ec3n tr\u1ef1c ti\u1ebfp v\u00e0o vi\u1ec7c x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 v\u1edbi kh\u00e1ch h\u00e0ng m\u1edbi c\u1ee7a h\u1ecd. <\/p>\n\n<p>B\u1ea3o hi\u1ec3m nh\u00fang c\u0169ng c\u00f3 th\u1ec3 gi\u00fap gi\u1ea3i quy\u1ebft m\u1ed9t trong nh\u1eefng \u0111i\u1ec3m v\u01b0\u1edbng m\u1eafc l\u1edbn nh\u1ea5t \u0111\u1ed1i v\u1edbi kh\u00e1ch h\u00e0ng: S\u1ef1 thi\u1ebfu tin t\u01b0\u1edfng l\u00e2u d\u00e0i trong ng\u00e0nh b\u1ea3o hi\u1ec3m.<\/p>\n\n<p>Kh\u00e1ch h\u00e0ng nh\u1eadn ra gi\u00e1 tr\u1ecb c\u1ee7a ph\u1ea1m vi b\u1ea3o hi\u1ec3m. Trong m\u1ed9t nghi\u00ean c\u1ee9u n\u0103m 2019, 62% kh\u00e1ch h\u00e0ng b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c h\u1ecfi cho bi\u1ebft h\u1ecd th\u1ea5y b\u1ea3o hi\u1ec3m mang l\u1ea1i s\u1ef1 an t\u00e2m khi \u0111\u1ed1i m\u1eb7t v\u1edbi r\u1ee7i ro, <a href=\"https:\/\/www.genevaassociation.org\/sites\/default\/files\/research-topics-document-type\/pdf_public\/underinsurance_in_mature_economies_web.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Kai-Uwe Schanz<\/a>, ph\u00f3 gi\u00e1m \u0111\u1ed1c \u0111i\u1ec1u h\u00e0nh v\u00e0 tr\u01b0\u1edfng b\u1ed9 ph\u1eadn nghi\u00ean c\u1ee9u v\u00e0 t\u1ea7m nh\u00ecn xa t\u1ea1i Hi\u1ec7p h\u1ed9i Geneva vi\u1ebft. S\u00e1u m\u01b0\u01a1i m\u1ed1t ph\u1ea7n tr\u0103m s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi ngh\u0129 r\u1eb1ng c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m cung c\u1ea5p &#8220;m\u1ed9t d\u1ecbch v\u1ee5 quan tr\u1ecdng&#8221; v\u00e0 57 ph\u1ea7n tr\u0103m ngh\u0129 r\u1eb1ng \u0111\u00f3 l\u00e0 &#8220;th\u00f4ng minh v\u00e0 c\u00f3 tr\u00e1ch nhi\u1ec7m khi mua c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m&#8221;.  <\/p>\n\n<p>M\u1eb7c d\u00f9 kh\u00e1ch h\u00e0ng nh\u1eadn ra r\u1eb1ng b\u1ea3o hi\u1ec3m cung c\u1ea5p gi\u00e1 tr\u1ecb, h\u1ecd th\u01b0\u1eddng kh\u00f4ng th\u1ea5y c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111\u00e1ng tin c\u1eady. V\u00ed d\u1ee5, ch\u1ec9 c\u00f3 ba ph\u1ea7n tr\u0103m s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi trong <a href=\"https:\/\/www.eptica.com\/sites\/default\/files\/uploads\/study\/eptica-insurance-digital-cx-2019-infographic.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Nghi\u00ean c\u1ee9u Ni\u1ec1m tin K\u1ef9 thu\u1eadt s\u1ed1 B\u1ea3o hi\u1ec3m Eptica n\u0103m 2019<\/a> coi c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m V\u01b0\u01a1ng qu\u1ed1c Anh l\u00e0 \u0111\u00e1ng tin c\u1eady. <\/p>\n\n<p>Tuy nhi\u00ean, ngay c\u1ea3 \u1edf \u0111\u00e2y, b\u1ea3o hi\u1ec3m nh\u00fang mang l\u1ea1i hy v\u1ecdng. Nghi\u00ean c\u1ee9u c\u1ee7a Eptica cho th\u1ea5y 63% s\u1ed1 ng\u01b0\u1eddi \u0111\u01b0\u1ee3c h\u1ecfi n\u00f3i r\u1eb1ng &#8220;d\u1ecbch v\u1ee5 d\u1ec5 d\u00e0ng v\u00e0 li\u1ec1n m\u1ea1ch&#8221; khi\u1ebfn h\u1ecd c\u00f3 nhi\u1ec1u kh\u1ea3 n\u0103ng tin t\u01b0\u1edfng m\u1ed9t th\u01b0\u01a1ng hi\u1ec7u h\u01a1n. K\u1ebft h\u1ee3p s\u1ef1 \u0111\u01a1n gi\u1ea3n c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang v\u1edbi \u00fd th\u1ee9c c\u1ee7a kh\u00e1ch h\u00e0ng r\u1eb1ng h\u1ecd \u0111ang l\u00e0m \u0111i\u1ec1u c\u00f3 tr\u00e1ch nhi\u1ec7m b\u1eb1ng c\u00e1ch mua b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 gi\u00fap t\u0103ng ni\u1ec1m tin c\u1ee7a kh\u00e1ch h\u00e0ng \u0111\u1ed3ng th\u1eddi gi\u1ea3m chi ph\u00ed mua l\u1ea1i.  <\/p>\n\n<p>C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m \u0111ang t\u00ecm c\u00e1ch n\u1eafm l\u1ea5y b\u1ea3o hi\u1ec3m nh\u00fang s\u1ebd c\u1ea7n ph\u1ea3i b\u1eaft \u0111\u1ea7u b\u1eb1ng c\u00e1ch xem x\u00e9t kh\u1ea3 n\u0103ng c\u00f4ng ngh\u1ec7 c\u1ee7a ch\u00ednh h\u1ecd. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u1ea7n c\u00e1c n\u1ec1n t\u1ea3ng v\u00e0 c\u00f4ng c\u1ee5 ho\u1ea1t \u0111\u1ed9ng li\u1ec1n m\u1ea1ch trong m\u00f4i tr\u01b0\u1eddng k\u1ef9 thu\u1eadt s\u1ed1, c\u0169ng nh\u01b0 c\u00e1c c\u00e1ch c\u1eadp nh\u1eadt \u0111\u1ec3 n\u1eafm b\u1eaft, l\u01b0u tr\u1eef, b\u1ea3o v\u1ec7 v\u00e0 ph\u00e2n t\u00edch d\u1eef li\u1ec7u, <a href=\"https:\/\/mvvsp1.5gcdn.net\/118a22f41220439bac35f8ed3a8bc7c0\" target=\"_blank\" rel=\"noreferrer noopener\">Robin Merttens<\/a> v\u00e0 c\u00e1c nh\u00e0 nghi\u00ean c\u1ee9u \u0111\u1ed3ng nghi\u1ec7p t\u1ea1i InsTech London vi\u1ebft. <\/p>\n\n<p>Theo truy\u1ec1n th\u1ed1ng, thu h\u00fat kh\u00e1ch h\u00e0ng l\u00e0 m\u1ed9t trong nh\u1eefng ph\u1ea7n kh\u00f3 kh\u0103n nh\u1ea5t trong h\u00e0nh tr\u00ecnh kh\u00e1ch h\u00e0ng c\u1ee7a P&amp;C. B\u1ea3o hi\u1ec3m nh\u00fang gi\u00fap vi\u1ec7c b\u1eaft \u0111\u1ea7u m\u1ed1i quan h\u1ec7 gi\u1eefa c\u00f4ng ty b\u1ea3o hi\u1ec3m v\u00e0 kh\u00e1ch h\u00e0ng tr\u1edf n\u00ean d\u1ec5 d\u00e0ng h\u01a1n bao gi\u1edd h\u1ebft. B\u1eb1ng c\u00e1ch \u00e1p d\u1ee5ng b\u1ea3o hi\u1ec3m nh\u00fang, c\u00e1c h\u00e3ng v\u1eadn t\u1ea3i P&amp;C c\u00f3 th\u1ec3 chuy\u1ec3n tr\u1ecdng t\u00e2m t\u1eeb vi\u1ec7c thu h\u00fat kh\u00e1ch h\u00e0ng sang gi\u1ea3i quy\u1ebft r\u1ee7i ro, cung c\u1ea5p b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u00e0 x\u00e2y d\u1ef1ng m\u1ed1i quan h\u1ec7 kh\u00e1ch h\u00e0ng l\u00e2u d\u00e0i.  <\/p>\n\n<p><em>H\u00ecnh \u1ea3nh b\u1edfi: julief514\/\u00a9123RF.com, primagefactory\/\u00a9123RF.com, georgerudy\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Thu h\u00fat kh\u00e1ch h\u00e0ng l\u00e0 \u0111i\u1ec1u c\u1ea7n thi\u1ebft cho s\u1ef1 ph\u00e1t tri\u1ec3n c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00e0i s\u1ea3n v\u00e0 th\u01b0\u01a1ng vong. Tuy nhi\u00ean, chi ph\u00ed \u0111\u1ec3 c\u00f3 \u0111\u01b0\u1ee3c kh\u00e1ch h\u00e0ng m\u1edbi c\u00f3 th\u1ec3 g\u00e2y kh\u00f3 kh\u0103n &#8211; v\u00e0 kh\u00e1ch h\u00e0ng s\u1eb5n s\u00e0ng h\u01a1n bao gi\u1edd h\u1ebft \u0111\u1ec3 chuy\u1ec3n \u0111\u1ed5i c\u00f4ng ty b\u1ea3o hi\u1ec3m cho [&hellip;]<\/p>\n","protected":false},"featured_media":10953,"template":"","insight-category":[],"class_list":["post-22307","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight\/22307","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\/10953"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/media?parent=22307"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/vi\/wp-json\/wp\/v2\/insight-category?post=22307"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}