{"id":19446,"date":"2024-09-20T09:39:57","date_gmt":"2024-09-20T14:39:57","guid":{"rendered":"https:\/\/bolttech.io\/insight\/covid-19-%e5%92%8c%e4%bf%9d%e9%99%a9%e4%b8%9a%ef%bc%9a%e6%88%91%e4%bb%ac%e7%9a%84%e7%ab%8b%e5%9c%ba%e5%a6%82%e4%bd%95%ef%bc%9f\/"},"modified":"2024-09-20T09:40:07","modified_gmt":"2024-09-20T14:40:07","slug":"covid-19-%e5%92%8c%e4%bf%9d%e9%99%a9%e4%b8%9a%ef%bc%9a%e6%88%91%e4%bb%ac%e7%9a%84%e7%ab%8b%e5%9c%ba%e5%a6%82%e4%bd%95%ef%bc%9f","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/covid-19-%e5%92%8c%e4%bf%9d%e9%99%a9%e4%b8%9a%ef%bc%9a%e6%88%91%e4%bb%ac%e7%9a%84%e7%ab%8b%e5%9c%ba%e5%a6%82%e4%bd%95%ef%bc%9f\/","title":{"rendered":"COVID-19 \u548c\u4fdd\u9669\u4e1a\uff1a\u6211\u4eec\u7684\u7acb\u573a\u5982\u4f55\uff1f"},"content":{"rendered":"\n<p>\u7f8e\u56fd\u548c\u8bb8\u591a\u5176\u4ed6\u56fd\u5bb6\u7684\u4eba\u4eec\u7ee7\u7eed\u4e0e COVID-19 \u5171\u5b58\uff0c\u8fd9\u662f\u6bcf\u5929\u7684\u73b0\u5b9e\u3002\n\u7136\u800c\uff0c\u75ab\u60c5\u7206\u53d1\u4e00\u5e74\u540e\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u8bc4\u4f30\u6211\u4eec\u7684\u54ea\u4e9b\u65e9\u671f\u9884\u6d4b\u5df2\u7ecf\u5b9e\u73b0\u3002\n\u4ed6\u4eec\u8fd8\u53ef\u4ee5\u5f00\u59cb\u8bc4\u4f30\u81ea\u5df1\u5bf9\u5927\u6d41\u884c\u75c5\u7684\u5e94\u5bf9\u63aa\u65bd\uff0c\u5e76\u4e3a\u6765\u5e74\u5236\u5b9a\u8ba1\u5212\u3002  <\/p>\n\n<h2 class=\"wp-block-heading\">\u6211\u4eec\u7684\u9884\u6d4b\u5982\u4f55\u53d1\u6325\u4f5c\u7528 \u2014 \u6216\u6ca1\u6709<\/h2>\n\n<p><a href=\"https:\/\/www2.deloitte.com\/content\/dam\/Deloitte\/us\/Documents\/financial-services\/us-deloitte-property-casualty-insurance-remade-by-covid19.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Paul Nelson<\/a> \u548c\u5fb7\u52e4\u7684\u7814\u7a76\u4eba\u5458\u5728 2020 \u5e74\u9884\u6d4b\uff0cCOVID-19 \u53ef\u80fd\u4f1a\u4ee5\u591a\u79cd\u65b9\u5f0f\u53d1\u5c55\u3002\n\u8be5\u56e2\u961f\u63d0\u51fa\u4e86\u56db\u79cd\u60c5\u666f\uff0c\u8003\u8651\u4e86\u4fdd\u9669\u516c\u53f8\u548c\u5ba2\u6237\u5bf9 COVID-19 \u7684\u53ef\u80fd\u53cd\u5e94\u3002 <\/p>\n\n<p>\u867d\u7136\u8fd9\u4e9b\u60c5\u51b5\u4ecd\u5728\u53d1\u5c55\u4e2d\uff0c\u4f46 Deloitte \u56e2\u961f\u786e\u5b9e\u9884\u6d4b\u4e86\u5ba2\u6237\u884c\u4e3a\u7684\u516d\u9879\u5177\u4f53\u53d8\u5316\uff0c\u8fd9\u4e9b\u53d8\u5316\u5df2\u7ecf\u5f71\u54cd\u4e86\u5ba2\u6237\u8d2d\u4e70\u4fdd\u9669\u7684\u65b9\u5f0f\u3002\n\u8fd9\u4e9b\u66f4\u6539\u5305\u62ec\uff1a <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u559c\u6b22\u5446\u5728\u5bb6\u91cc\u3002<\/li>\n\n\n\n<li>\u5bf9\u4f4e\u6210\u672c\u9009\u62e9\u91cd\u65b0\u4ea7\u751f\u5174\u8da3\u3002<\/li>\n\n\n\n<li>\u589e\u52a0\u7f51\u4e0a\u8d2d\u7269\u3002<\/li>\n\n\n\n<li>\u4f18\u5148\u8003\u8651\u5065\u5eb7\u548c\u798f\u7949\u3002<\/li>\n\n\n\n<li>\u5bf9\u6e05\u6d01\u7684\u671f\u671b\u3002<\/li>\n\n\n\n<li>\u66f4\u559c\u6b22\u8d2d\u4e70\u672c\u5730\u4ea7\u54c1\u3002<\/li>\n<\/ul>\n\n<p>\u6240\u6709\u8fd9\u4e9b\u53d8\u5316\u5f80\u5f80\u4f1a\u4fc3\u4f7f\u5ba2\u6237\u8f6c\u5411\u6570\u5b57\u9009\u9879\uff0c\u4ee5\u8d2d\u4e70\u4ed6\u4eec\u4e3a\u5bb6\u5ead\u6216\u4f01\u4e1a\u8d2d\u4e70\u6240\u9700\u7684\u4fdd\u9669\u3002<\/p>\n\n<p>\u5728 COVID-19 \u5927\u6d41\u884c\u4e4b\u524d\uff0c\u4e00\u4e9b\u4fdd\u9669\u8d39\u7387\u4e00\u76f4\u5728\u4e0a\u6da8\uff0c\u5373\u4f7f\u662f\u5343\u8f7d\u96be\u9022\u7684\u5168\u7403\u4e8b\u4ef6\u4e5f\u6ca1\u6709\u6539\u53d8\u8fd9\u4e00\u8f68\u8ff9\u3002\n\u4f8b\u5982\uff0c\u5546\u4e1a\u6c7d\u8f66\u4fdd\u9669\u8d39\u7387\u5728 2020 \u5e74\u7ee7\u7eed\u6500\u5347\uff0c\u56e0\u4e3a\u201c\u8d39\u7387\u4e0a\u6da8\u6ca1\u6709\u8ddf\u4e0a\u635f\u5931\u8d8b\u52bf\uff0c\u201dLiberty Mutual Insurance \u5168\u7403\u98ce\u9669\u89e3\u51b3\u65b9\u6848\u9996\u5e2d\u627f\u4fdd\u5b98 <a href=\"https:\/\/viewpoint.libertymutualgroup.com\/article\/covid-19s-impact-on-the-property-and-casualty-market-key-predictions-and-how-to-respond\/\" target=\"_blank\" rel=\"noreferrer noopener\">David Perez<\/a> \u8bf4\u3002 <\/p>\n\n<p>\u5c3d\u7ba1\u5f71\u54cd\u591a\u4e2a\u57ce\u5e02\u548c\u5dde\u7684\u5c45\u5bb6\u4ee4\uff0c\u4f46\u5546\u7528\u6c7d\u8f66\u4fdd\u9669\u7684\u6301\u7eed\u589e\u957f\u5728\u67d0\u79cd\u7a0b\u5ea6\u4e0a\u8fdd\u53cd\u4e86\u76f4\u89c9\u3002\n\u7136\u800c\uff0cPerez \u6307\u51fa\uff0c\u867d\u7136\u9053\u8def\u4e0a\u7684\u8f66\u8f86\u6570\u91cf\u6709\u6240\u4e0b\u964d\uff0c\u4f46\u8d39\u7387\u5e76\u6ca1\u6709\u4e0b\u964d\u3002 <\/p>\n\n<p>\u4ed6\u89e3\u91ca\u8bf4\uff0c\u8d39\u7387\u4e0d\u4ec5\u4ec5\u53d7\u6c7d\u8f66\u7d22\u8d54\u6570\u91cf\u7684\u5f71\u54cd\u3002\n\u5728\u7a7a\u65f7\u7684\u9053\u8def\u4e0a\u9c81\u83bd\u9a7e\u9a76\u5bfc\u81f4\u66f4\u591a\u7684\u4e8b\u6545\uff0c\u4ee5\u53ca\u5bf9\u590d\u6742\u6280\u672f\u90e8\u4ef6\u6570\u91cf\u4e0d\u65ad\u589e\u52a0\u7684\u8f66\u8f86\u8fdb\u884c\u66f4\u6602\u8d35\u7684\u7ef4\u4fee\uff0c\u8fd9\u4e24\u8005\u90fd\u5bfc\u81f4\u5546\u7528\u6c7d\u8f66\u8d39\u7387\u4e0d\u65ad\u6500\u5347\uff0c\u5373\u4f7f\u9053\u8def\u4e0a\u7684\u8f66\u8f86\u603b\u6570\u4e0b\u964d\u3002 <\/p>\n\n<p>\u5546\u7528\u8f66\u4e5f\u662f\u9053\u8def\u4ea4\u901a\u6574\u4f53\u4e0b\u964d\u7684\u4e00\u4e2a\u4f8b\u5916\u3002\n\u867d\u7136\u8bb8\u591a\u4e2a\u4eba\u53f8\u673a\u90fd\u5446\u5728\u5bb6\u91cc\uff0c\u4f46\u5546\u4e1a\u53f8\u673a\u53d1\u73b0\u81ea\u5df1\u6bd4\u5927\u6d41\u884c\u524d\u66f4\u5fd9\uff0c\u5c06\u98df\u54c1\u3001\u836f\u54c1\u548c\u96f6\u552e\u5546\u54c1\u9001\u5230\u5bb6\u4e2d\u3002 <\/p>\n\n<p>\u67d0\u4e9b\u5f71\u54cd\u8d22\u4ea7\u4fdd\u9669\u7684\u9884\u6d4b\u4e5f\u5df2\u7ecf\u4e0a\u6f14\u3002\n\u4f8b\u5982\uff0c\u5728 2020 \u5e74\u6625\u5929\uff0c\u8bb8\u591a\u4e13\u5bb6\u8b66\u544a\u8bf4\uff0c\u4e00\u4e2a\u5f02\u5e38\u6d3b\u8dc3\u7684\u98d3\u98ce\u5b63\u8282\u5373\u5c06\u5230\u6765\uff0c <a href=\"https:\/\/www.sciencenews.org\/article\/weather-forecasters-predict-very-active-2020-atlantic-hurricane-season\" target=\"_blank\" rel=\"noreferrer noopener\">Carolyn Gramling<\/a> \u5728\u300a\u79d1\u5b66\u65b0\u95fb\u300b\u4e2d\u5199\u9053\u3002\n\u5230\u4eca\u5e74\u98d3\u98ce\u5b63\u7ed3\u675f\u65f6\uff0c\u7f8e\u56fd\u56fd\u5bb6\u6d77\u6d0b\u548c\u5927\u6c14\u7ba1\u7406\u5c40 \uff08NOAA\uff09 \u79f0\u5176\u201c\u975e\u5e38\u6d3b\u8dc3\u201d\uff0c\u5e76\u6307\u51fa 2020 \u5e74\u201c\u7f8e\u56fd\u5927\u9646\u51fa\u73b0\u4e86\u7834\u7eaa\u5f55\u7684 30 \u573a\u547d\u540d\u98ce\u66b4\u548c 12 \u573a\u767b\u9646\u98ce\u66b4\u201d\u3002  <\/p>\n\n<p>\u5404\u79cd\u6761\u4ef6\u201c\u5e2e\u52a9\u4f7f\u8fd9\u4e2a\u7834\u7eaa\u5f55\u3001\u6781\u5176\u6d3b\u8dc3\u7684\u98d3\u98ce\u5b63\u8282\u6210\u4e3a\u53ef\u80fd\uff0c\u201dNOAA \u6c14\u5019\u9884\u6d4b\u4e2d\u5fc3\u7684\u98d3\u98ce\u6c14\u5019\u4e13\u5bb6\u548c\u7814\u7a76\u6c14\u8c61\u5b66\u5bb6 <a href=\"https:\/\/www.noaa.gov\/media-release\/record-breaking-atlantic-hurricane-season-draws-to-end\" target=\"_blank\" rel=\"noreferrer noopener\">Gary Bell \u535a\u58eb<\/a>\u8bf4\u3002\n\u53cd\u8fc7\u6765\uff0c\u6d3b\u8dc3\u7684\u98d3\u98ce\u5b63\u8282\u5bfc\u81f4\u8bb8\u591a\u4fdd\u9669\u516c\u53f8\u5c1d\u8bd5\u8ba1\u7b97\u98ce\u9669\u5e76\u76f8\u5e94\u5730\u4e3a\u4f4f\u5b85\u548c\u5546\u4e1a\u8d22\u4ea7\u4fdd\u9669\u8bbe\u5b9a\u4ef7\u683c\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"691\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting-1024x691.jpg\" alt=\"\" class=\"wp-image-9506\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting-1024x691.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting-300x203.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting-768x518.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/elbow-bump-greeting.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u4fdd\u9669\u516c\u53f8\u5728\u75ab\u60c5\u671f\u95f4\u7684\u6210\u529f<\/h2>\n\n<p>\u5728\u75ab\u60c5\u671f\u95f4\uff0c\u4fdd\u9669\u516c\u53f8\u4e89\u5148\u6050\u540e\u5730\u8f6c\u5411\u6570\u5b57\u5316\u57fa\u7840\u3002\n\u901a\u8fc7\u63d0\u524d\u6570\u5b57\u5316\u8f6c\u578b\u65f6\u95f4\u8868\uff0c\u8d22\u4ea7\u4fdd\u9669\u516c\u53f8\u4e5f\u53ef\u80fd\u671d\u7740\u5b9e\u73b0\u957f\u671f\u4e1a\u52a1\u76ee\u6807\u8fc8\u51fa\u4e86\u6700\u597d\u7684\u4e00\u6b65\u3002 <\/p>\n\n<p>\u201cCOVID-19 \u5c06\u5bf9\u65b0\u5174\u3001\u521b\u65b0\u6570\u5b57\u89e3\u51b3\u65b9\u6848\u548c\u670d\u52a1\u7684\u9700\u6c42\u63a8\u5230\u4e86\u6807\u51c6\u4fdd\u9669\u884c\u4e1a\u8fd0\u8425\u7684\u6700\u524d\u6cbf\uff0c\u201dTransUnion \u6267\u884c\u526f\u603b\u88c1\u517c\u4fdd\u9669\u4e1a\u52a1\u4e3b\u7ba1 <a href=\"https:\/\/www.globenewswire.com\/news-release\/2020\/12\/17\/2146947\/0\/en\/COVID-19-s-Impact-on-the-Insurance-Industry-Will-Continue-Well-into-2021.html\" target=\"_blank\" rel=\"noreferrer noopener\">Mark McElroy<\/a> \u8bf4\u3002\n\u901a\u8fc7\u91c7\u7528\u65b0\u7684\u5206\u9500\u9009\u9879\uff0c\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u5c06\u81ea\u5df1\u5b9a\u4f4d\u4e3a\u968f\u65f6\u968f\u5730\u6ee1\u8db3\u5ba2\u6237\u9700\u6c42\u3002 <\/p>\n\n<p>\u5bf9\u8bb8\u591a\u4eba\u6765\u8bf4\uff0c\u4fdd\u6301\u793e\u4ea4\u8ddd\u79bb\u6b63\u5728\u4ece\u5fc5\u9700\u54c1\u8f6c\u53d8\u4e3a\u4e00\u79cd\u4e60\u60ef\u3002\n\u5373\u4f7f\u75ab\u60c5\u6d88\u9000\uff0c\u8fd9\u4e9b\u5ba2\u6237\u4e5f\u53ef\u80fd\u975e\u5e38\u559c\u6b22\u5728\u7ebf\u8d2d\u4e70\u4fdd\u9669\uff0c\u751a\u81f3\u53ef\u80fd\u907f\u5f00\u4e0d\u63d0\u4f9b\u5728\u7ebf\u5206\u9500\u7684\u4fdd\u9669\u516c\u53f8\u3002\n\u56e0\u6b64\uff0c\u4e13\u6ce8\u4e8e\u5ba2\u6237\u53cb\u597d\u578b\u6570\u5b57\u5206\u9500\u7684\u4fdd\u9669\u516c\u53f8\u80fd\u591f\u5229\u7528\u6d88\u8d39\u8005\u4e60\u60ef\u7684\u8fd9\u4e00\u53d8\u5316\u3002  <\/p>\n\n<p>\u4fdd\u9669\u516c\u53f8\u8fd8\u5229\u7528\u6570\u5b57\u5de5\u5177\u6765\u964d\u4f4e\u5176\u5458\u5de5\u9762\u4e34\u7684\u98ce\u9669\u3002<\/p>\n\n<p>\u201c\u6211\u4eec\u8ba4\u4e3a\u8fd0\u8425\u5546\u5728\u4e00\u4e9b\u884c\u4e1a\u66f4\u52a0\u8c28\u614e\uff0c\u4f8b\u5982\u533b\u7597\u4fdd\u5065\u3001\u9152\u5e97\u3001\u5a31\u4e50\u548c\u9910\u996e\u4e1a\u3002\u4f8b\u5982\uff0c\u6211\u4eec\u4e00\u5bb6\u4e3b\u8981\u4fdd\u9669\u516c\u53f8\u7684\u9ad8\u7ba1\u8bc4\u8bba\u8bf4\uff0c\u4ed6\u4eec\u5728\u64b0\u5199\u65b0\u4e1a\u52a1\u65f6\u4e0d\u60f3\u9047\u5230\u7d22\u8d54\uff0c\u201c\u5168\u7403\u4fdd\u9669\u7ecf\u7eaa\u516c\u53f8 Gallagher \u7684\u526f\u603b\u88c1\u517c\u5e02\u573a\u5173\u7cfb\u8d1f\u8d23\u4eba <a href=\"http:\/\/www.rmmagazine.com\/2020\/05\/01\/hard-times-hard-market\/\" target=\"_blank\" rel=\"noreferrer noopener\">B. Puckett<\/a> \u8bf4\u3002\n\u4e3a\u4e86\u4fdd\u62a4\u81ea\u5df1\u7684\u5458\u5de5\uff0c\u4fdd\u9669\u516c\u53f8\u91c7\u7528\u4e86\u5728\u5bb6\u529e\u516c\u7684\u505a\u6cd5\u548c\u5de5\u5177\u3002 <\/p>\n\n<p>\u9884\u8ba1\u6574\u4e2a\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u884c\u4e1a\u5728\u4e0d\u4e45\u7684\u5c06\u6765\u5c06\u4fdd\u6301\u7a33\u5b9a\u3002\n\u6807\u51c6\u666e\u5c14 <a href=\"https:\/\/www.gccapitalideas.com\/2020\/08\/13\/standard-poors-outlook-on-covid-19-part-two-u-s-property-casualty-insurance-sector-outlook\/\" target=\"_blank\" rel=\"noreferrer noopener\">\u9884\u6d4b<\/a> \u8be5\u884c\u4e1a95%\u7684\u4fdd\u9669\u516c\u53f8\u5c06\u4fdd\u6301\u7a33\u5b9a\u3002\n\u867d\u7136\u5bf9\u7a33\u5b9a\u7684\u9884\u6d4b\u4e0d\u5982\u5bf9\u6b63\u589e\u957f\u7684\u9884\u6d4b\u90a3\u4e48\u4ee4\u4eba\u632f\u594b\uff0c\u4f46\u8d22\u4ea7\u548c\u610f\u5916\u9669\u4fdd\u9669\u516c\u53f8\u907f\u514d\u4e86\u5bf9\u5927\u6d41\u884c\u5bf9\u5b9a\u4ef7\u5f71\u54cd\u7684\u66f4\u53ef\u6015\u7684\u9884\u6d4b\uff0c\u4f8b\u5982\u4fdd\u9669\u5206\u9500\u548c\u627f\u4fdd\u516c\u53f8 MarketScout \u7684\u9996\u5e2d\u6267\u884c\u5b98 <a href=\"https:\/\/www.businessinsurance.com\/article\/20200406\/NEWS06\/912333887\/US-commercial-insurance-pricing-impact-of-COVID-19-likely-%E2%80%98dramatic%E2%80%99-MarketScout\" target=\"_blank\" rel=\"noreferrer noopener\">Richard Kerr<\/a> \u5728 2020 \u5e74\u521d\u63d0\u4f9b\u7684\u9884\u6d4b\u3002  <\/p>\n\n<p>\u201c\u8f83\u4f4e\u7684\u98ce\u9669\u655e\u53e3\u57fa\u6570\u548c\u653f\u5e9c\u5e72\u9884\u4fdd\u9669\u7533\u8bf7\u7684\u53ef\u80fd\u6027\u5c06\u5bf9\u4eca\u5e74\u5269\u4f59\u65f6\u95f4\u7684\u5b9a\u4ef7\u4ea7\u751f\u5de8\u5927\u5f71\u54cd\uff0c\u201dKerr \u9884\u6d4b\u3002\n\u867d\u7136\u8bb8\u591a\u4ef7\u683c\u786e\u5b9e\u4e0a\u6da8\u4e86\uff0c\u4f46\u8fc4\u4eca\u4e3a\u6b62\uff0c\u8d22\u4ea7\u548c\u610f\u5916\u9669\u4f5c\u4e3a\u4e00\u4e2a\u6574\u4f53\u7ecf\u53d7\u4f4f\u4e86 COVID-19 \u5927\u6d41\u884c\u7684\u8003\u9a8c\uff0c\u6bd4\u65e9\u671f\u9884\u6d4b\u6240\u8868\u660e\u7684\u8981\u597d\u3002 <\/p>\n\n<figure class=\"wp-block-image aligncenter size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"724\" src=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving-1024x724.jpg\" alt=\"\" class=\"wp-image-9496\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving-1024x724.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving-300x212.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving-768x543.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/people-high-fiving.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u4fdd\u9669\u516c\u53f8\u548c\u5ba2\u6237\u7684 COVID-19 \u4f53\u9a8c\u5c06\u5982\u4f55\u6539\u53d8\u4ed6\u4eec\u7684\u4e1a\u52a1\u65b9\u5f0f<\/h2>\n\n<p>\u5728\u65b0\u51a0\u75ab\u60c5\u7684\u63a8\u52a8\u4e0b\uff0c\u5ba2\u6237\u6b63\u5728\u5bfb\u627e\u964d\u4f4e\u6210\u672c\u7684\u65b9\u6cd5\uff0c\u540c\u65f6\u4fdd\u7559\u5bf9\u4ed6\u4eec\u5728\u9762\u5bf9 COVID-19 \u548c\u5176\u4ed6\u98ce\u9669\u65f6\u80fd\u591f\u4f7f\u7528\u7684\u4fdd\u9669\u3002\n\u5728\u5927\u6d41\u884c\u540e\u4fdd\u9669\u65b9\u9762\uff0c\u4e86\u89e3\u5ba2\u6237\u7684\u89c2\u70b9\uff0c\u4fdd\u9669\u516c\u53f8\u5c06\u53d7\u76ca\u3002 <\/p>\n\n<p>\u627f\u8ba4\u6d88\u8d39\u8005\u5bf9 COVID-19 \u548c\u4fdd\u9669\u8303\u56f4\u7684\u671f\u671b\u5bf9\u4e8e\u4fdd\u9669\u516c\u53f8\u6765\u8bf4\u81f3\u5173\u91cd\u8981\u3002\n\u5728\u67d0\u4e9b\u60c5\u51b5\u4e0b\uff0c\u8fd9\u53ef\u80fd\u610f\u5473\u7740\u4e3a\u75c5\u6bd2\u5927\u6d41\u884c\u63d0\u4f9b\u4fdd\u9669;\u5728\u5176\u4ed6\u60c5\u51b5\u4e0b\uff0c\u8fd9\u610f\u5473\u7740\u6559\u80b2\u5ba2\u6237\u4ed6\u4eec\u7684\u4fdd\u5355\u6db5\u76d6\u6216\u4e0d\u6db5\u76d6\u54ea\u4e9b\u7c7b\u578b\u7684\u5927\u6d41\u884c\u60c5\u51b5\u3002 <\/p>\n\n<p>\u7136\u800c\uff0c\u603b\u4f53\u800c\u8a00\uff0c\u9884\u8ba1\u4fdd\u9669\u5c06\u4e0e\u6574\u4e2a\u7ecf\u6d4e\u4e00\u8d77\u4ece\u5927\u6d41\u884c\u4e2d\u6062\u590d\u8fc7\u6765\u3002<\/p>\n\n<p>\u201c\u8be5\u884c\u4e1a\u7684\u8d44\u672c\u72b6\u51b5\u610f\u5473\u7740\u5b83\u5e94\u8be5\u80fd\u591f\u5e94\u5bf9 COVID-19 \u7684\u51b2\u51fb\uff0c\u201d\u745e\u58eb\u518d\u4fdd\u9669\u96c6\u56e2\u96c6\u56e2\u9996\u5e2d\u7ecf\u6d4e\u5b66\u5bb6\u517c\u8463\u4e8b\u603b\u7ecf\u7406 <a href=\"https:\/\/www.insurancejournal.com\/magazines\/mag-features\/2020\/07\/20\/576043.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Jerome Jean Haegli<\/a> \u8bf4\u3002\n\u201c\u5927\u591a\u6570\u5916\u90e8\u4fdd\u9669\u5206\u6790\u4f30\u8ba1\u7684\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u7d22\u8d54\u603b\u989d\u8303\u56f4\u7684\u4e0a\u9650\u4e3a 1000 \u4ebf\u7f8e\u5143\uff0c\u5176\u89c4\u6a21\u4e0e 2017 \u5e74\u98d3\u98ce\u54c8\u7ef4\u3001\u827e\u5c14\u739b\u548c\u739b\u4e3d\u4e9a\u9020\u6210\u7684\u635f\u5931\u76f8\u4f3c\uff0c\u8be5\u884c\u4e1a\u4e5f\u5438\u6536\u4e86\u8fd9\u4e9b\u635f\u5931\u3002\u201d <\/p>\n\n<p>\u590d\u82cf\u7684\u4e00\u4e2a\u4f8b\u5b50\u662f 2021 \u5e74\u521d\u5bf9\u65c5\u884c\u7684\u5174\u8da3\u6709\u6240\u589e\u52a0\u3002\n\u4f46\u662f\uff0c\u6d88\u8d39\u8005\u76d1\u7763\u7ec4\u7ec7\u6267\u884c\u8463\u4e8b <a href=\"https:\/\/www.freep.com\/story\/money\/personal-finance\/susan-tompor\/2020\/12\/03\/travel-insurance-might-cover-covid-cancellation\/6462765002\/\" target=\"_blank\" rel=\"noreferrer noopener\">Carmen Balber<\/a> \u8bf4\uff0c\u8d2d\u4e70\u4e86\u65c5\u884c\u4fdd\u9669\u7684\u65c5\u884c\u8005\u9700\u8981\u4ed4\u7ec6\u9605\u8bfb\u4ed6\u4eec\u7684\u4fdd\u5355\uff0c\u4ee5\u786e\u5b9a\u5b83\u662f\u5426\u6db5\u76d6 COVID-19\u3002 <\/p>\n\n<p>\u201c\u8d2d\u4e70\u4efb\u4f55\u65c5\u884c\u4fdd\u9669\u7684\u7b2c\u4e00\u8b66\u544a\u662f\u9605\u8bfb\u7ec6\u5219\uff0c\u201dBalber \u8bf4\u3002\n\u201c\u8fd9\u5728\u65c5\u884c\u4fdd\u9669\u4e2d\u975e\u5e38\u91cd\u8981\uff0c\u56e0\u4e3a\u6ca1\u6709\u6807\u51c6\u7684\u4fdd\u5355\u3002\u201d\n\u5373\u4f7f\u5728\u6709\u6807\u51c6\u4fdd\u5355\uff08\u5982\u623f\u4e3b\u4fdd\u9669\uff09\u7684\u5730\u533a\uff0c\u5ba2\u6237\u4e5f\u53ef\u80fd\u9700\u8981\u4fdd\u9669\u516c\u53f8\u63d0\u4f9b\u989d\u5916\u5e2e\u52a9\uff0c\u4ee5\u4e86\u89e3\u627f\u4fdd\u7684\u98ce\u9669\u548c\u6761\u4ef6\u3002  <\/p>\n\n<p>Century Risk Advisors \u7684 <a href=\"https:\/\/www.law.com\/dailybusinessreview\/2020\/07\/24\/difficult-business-insurance-market-meets-covid-19\/\" target=\"_blank\" rel=\"noreferrer noopener\">Gary Reshefsky \u548c David Josefsberg<\/a> \u8868\u793a\uff0c\u5e94\u5bf9\u65e5\u76ca\u786c\u5316\u7684\u5e02\u573a\u4e5f\u5c06\u9700\u8981\u4fdd\u9669\u516c\u53f8\u5728\u672a\u6765\u4e00\u5e74\u7684\u5173\u6ce8\u3002\n\u5546\u4e1a\u6c7d\u8f66\u4fdd\u9669\u8d39\u7387\u7ee7\u7eed\u4e0a\u6da8\uff0c\u5728\u75c5\u6bd2\u5927\u6d41\u884c\u4e2d\u5177\u6709\u72ec\u7279\u98ce\u9669\u7684\u4f01\u4e1a\uff08\u5982\u8001\u5e74\u62a4\u7406\u673a\u6784\uff09\u7684\u8d39\u7387\u4e5f\u5728\u4e0a\u6da8\u3002 <\/p>\n\n<p>\u6839\u636e Willis Towers Watson \u7684\u4e00\u9879 <a href=\"https:\/\/www.willistowerswatson.com\/en-US\/Insights\/2020\/11\/insurance-marketplace-realities-2021-senior-living-and-long-term-care\" target=\"_blank\" rel=\"noreferrer noopener\">\u7814\u7a76<\/a>\uff0c\u5728\u67d0\u4e9b\u5730\u533a\uff0c\u8001\u5e74\u62a4\u7406\u673a\u6784\u7684\u5546\u4e1a\u62a4\u7406\u8d39\u7387\u9884\u8ba1\u5c06\u589e\u52a0 50% \u6216\u66f4\u591a\u3002\n\u9884\u8ba1\u4e00\u822c\u8d23\u4efb\u548c\u804c\u4e1a\u8d23\u4efb\u7684\u6da8\u5e45\u6700\u9ad8\uff0c\u4f46\u8d22\u4ea7\u8d39\u7387\u4e5f\u5c06\u589e\u52a0\u3002\n\u5373\u4f7f\u662f\u5de5\u4f24\u8d54\u507f\u4fdd\u9669\u7684\u4fdd\u8d39\u4e5f\u53ef\u80fd\u7565\u6709\u589e\u52a0\u3002  <\/p>\n\n<p>\u5173\u4e8e COVID-19 \u5927\u6d41\u884c\u75c5\u8fdb\u7a0b\u7684\u4e00\u4e9b\u65e9\u671f\u9884\u6d4b\u6210\u771f\u4e86;\u5176\u4ed6\u7684\u5219\u968f\u7740\u4e8b\u4ef6\u7684\u53d1\u5c55\u800c\u8fdb\u884c\u4e86\u8c03\u6574\u3002\n\u867d\u7136 COVID-19 \u4ecd\u7136\u662f\u65e5\u5e38\u8003\u8651\u56e0\u7d20\uff0c\u4f46\u8d22\u4ea7\u548c\u610f\u5916\u9669\u4fdd\u9669\u516c\u53f8\u73b0\u5728\u6709\u8db3\u591f\u7684\u4fe1\u606f\u6765\u8bc4\u4f30\u4ed6\u4eec\u5bf9\u5927\u6d41\u884c\u7684\u54ea\u4e9b\u65e9\u671f\u53cd\u5e94\u6709\u5229\u4e8e\u4ed6\u4eec\u7684\u4e1a\u52a1\u76ee\u6807\uff0c\u5e76\u4e14\u968f\u7740\u63a7\u5236\u75c5\u6bd2\u7684\u5c1d\u8bd5\u7ee7\u7eed\u8fdb\u884c\uff0c\u54ea\u4e9b\u53ef\u80fd\u9700\u8981\u8fdb\u4e00\u6b65\u8bc4\u4f30\u3002 <\/p>\n\n<p><em>\u56fe\u7247\u6765\u81ea\uff1astylephotographs\/\u00a9123RF.com\u3001Alexey Zatevahin\/\u00a9123RF.com\u3001Alessandro Biascioli\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u7f8e\u56fd\u548c\u8bb8\u591a\u5176\u4ed6\u56fd\u5bb6\u7684\u4eba\u4eec\u7ee7\u7eed\u4e0e COVID-19 \u5171\u5b58\uff0c\u8fd9\u662f\u6bcf\u5929\u7684\u73b0\u5b9e\u3002 \u7136\u800c\uff0c\u75ab\u60c5\u7206\u53d1\u4e00\u5e74\u540e\uff0c\u4fdd\u9669\u516c\u53f8\u53ef\u4ee5\u8bc4 [&hellip;]<\/p>\n","protected":false},"featured_media":9517,"template":"","insight-category":[],"class_list":["post-19446","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight\/19446","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media\/9517"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/media?parent=19446"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hans\/wp-json\/wp\/v2\/insight-category?post=19446"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}