{"id":19823,"date":"2024-09-20T13:07:56","date_gmt":"2024-09-20T18:07:56","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e5%9b%9e%e9%a1%be%e8%bf%87%e5%8e%bb%ef%bc%8c%e5%b1%95%e6%9c%9b%e6%9c%aa%e6%9d%a5%ef%bc%9a2021-%e5%b9%b4%e5%92%8c-2022-%e5%b9%b4%e7%9a%84%e4%bf%9d%e9%99%a9%e7%a7%91%e6%8a%80\/"},"modified":"2024-09-20T13:07:58","modified_gmt":"2024-09-20T18:07:58","slug":"%e5%9b%9e%e9%a1%be%e8%bf%87%e5%8e%bb%ef%bc%8c%e5%b1%95%e6%9c%9b%e6%9c%aa%e6%9d%a5%ef%bc%9a2021-%e5%b9%b4%e5%92%8c-2022-%e5%b9%b4%e7%9a%84%e4%bf%9d%e9%99%a9%e7%a7%91%e6%8a%80","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hans\/insights\/%e5%9b%9e%e9%a1%be%e8%bf%87%e5%8e%bb%ef%bc%8c%e5%b1%95%e6%9c%9b%e6%9c%aa%e6%9d%a5%ef%bc%9a2021-%e5%b9%b4%e5%92%8c-2022-%e5%b9%b4%e7%9a%84%e4%bf%9d%e9%99%a9%e7%a7%91%e6%8a%80\/","title":{"rendered":"\u56de\u987e\u8fc7\u53bb\uff0c\u5c55\u671b\u672a\u6765\uff1a2021 \u5e74\u548c 2022 \u5e74\u7684\u4fdd\u9669\u79d1\u6280"},"content":{"rendered":"\n<p>2020 \u5e74\u8feb\u4f7f\u4fdd\u9669\u516c\u53f8\u8fdb\u884c\u5feb\u901f\u7684\u6280\u672f\u53d8\u9769\uff0c\u4ece\u5458\u5de5\u548c\u4ee3\u7406\u4eba\u7684\u8fdc\u7a0b\u5de5\u4f5c\u5230\u5ba2\u6237\u7684\u8fdc\u7a0b\u5206\u53d1\u9009\u9879\u3002\n\u968f\u7740\u75ab\u60c5\u6301\u7eed\u5230 2021 \u5e74\uff0c\u6211\u4eec\u770b\u5230\u4fdd\u9669\u516c\u53f8\u3001\u4ee3\u7406\u4eba\u548c\u5ba2\u6237\u5bf9\u6570\u5b57\u901a\u4fe1\uff08\u5305\u62ec\u4fdd\u9669\u5206\u9500\uff09\u7684\u8212\u9002\u5ea6\u548c\u719f\u6089\u5ea6\u90fd\u8d8a\u6765\u8d8a\u9ad8\u3002 <\/p>\n\n<p>\u5ba2\u6237\u4ecd\u7136\u91cd\u89c6\u7ecf\u9a8c\u4e30\u5bcc\u7684\u4fdd\u9669\u4ee3\u7406\u4eba\u548c\u4fdd\u9669\u516c\u53f8\u5de5\u4f5c\u4eba\u5458\u7684\u5e2e\u52a9\u3002\n\u4ed6\u4eec\u8fd8\u91cd\u89c6\u4fbf\u6377\u7684\u4fdd\u9669\u6570\u5b57\u8fde\u63a5\u7684\u597d\u5904\uff0c\u65e0\u8bba\u662f\u8054\u7cfb\u4ed6\u4eec\u7684\u4fdd\u9669\u4ee3\u7406\u4eba\uff0c\u8fd8\u662f\u6709\u673a\u4f1a\u5728\u9500\u552e\u70b9\u4e3a\u5927\u5b97\u8d2d\u4e70\u63d0\u4f9b\u4fdd\u9669\u3002\n2021 \u5e74\u8868\u660e\u4fdd\u9669\u516c\u53f8\u9700\u8981\u5c06\u8fd9\u4e24\u79cd\u65b9\u6cd5\u6df7\u5408\u5728\u4e00\u8d77\u3002  <\/p>\n\n<h2 class=\"wp-block-heading\">\u968f\u65f6\u968f\u5730\u6295\u4fdd\uff0c\u5c24\u5176\u662f\u9700\u8981\u7684\u5730\u65b9<\/h2>\n\n<p>\u8fdc\u7a0b\u5206\u53d1\u5728 2021 \u5e74 <a href=\"https:\/\/www.boltinsurance.com\/insights\/blogs\/insurance-industry-adapted\" target=\"_blank\" rel=\"noreferrer noopener\">\u5448\u7206\u70b8\u5f0f\u589e\u957f<\/a> \u3002\n\u65b0\u51a0\u75ab\u60c5\u5c06\u5ba2\u6237\u548c\u8fd0\u8425\u5546\u63a8\u5411\u8fdc\u7a0b\u73af\u5883\uff0c\u540c\u65f6\u4e5f\u51f8\u663e\u4e86\u5bf9\u8d22\u4ea7\u548c\u610f\u5916\u4f24\u5bb3\u4fdd\u9669\u7684\u9700\u6c42\u3002 <\/p>\n\n<p>\u7531\u4e8e\u9700\u8981\u4fdd\u9669\u4f46\u65e0\u6cd5\u4eb2\u81ea\u4e0e\u4ee3\u7406\u4eba\u4f1a\u9762\uff0c\u4fdd\u9669\u5ba2\u6237\u7eb7\u7eb7\u4e0a\u7f51\u3002\n\u4fdd\u9669\u516c\u53f8\u5df2\u7ecf\u51c6\u5907\u597d\u5728\u6570\u5b57\u73af\u5883\u4e2d\u6ee1\u8db3\u5ba2\u6237\u9700\u6c42\uff0c\u4ece\u8fd9\u4e00\u53d8\u5316\u4e2d\u83b7\u5f97\u4e86\u4e00\u4e9b\u65e9\u671f\u597d\u5904\uff0c\u4f46\u5176\u4ed6\u4fdd\u9669\u516c\u53f8\u5f88\u5feb\u5c31\u8fce\u5934\u8d76\u4e0a\u3002 <\/p>\n\n<p>\u5ba2\u6237\u613f\u610f\u8bbf\u95ee\u4fdd\u9669\u516c\u53f8\u548c\u4ee3\u7406\u4eba\u7684\u7f51\u7ad9\uff0c\u5e76\u4f7f\u7528\u652f\u6301 AI \u7684\u804a\u5929\u673a\u5668\u4eba\u548c\u89c6\u9891\u901a\u8bdd\u7b49\u5de5\u5177\u8d2d\u4e70\u4fdd\u9669\u3002\n\u5ba2\u6237\u4e5f\u51c6\u5907\u597d\u5728\u65b0\u7684\u73af\u5883\u4e2d\u63a5\u53d7\u4fdd\u9669\u9009\u9879\u3002\n\u5d4c\u5165\u5f0f\u4fdd\u9669\u5728 2021 \u5e74\u6269\u5c55\uff0c\u5c06\u975e\u4fdd\u9669\u516c\u53f8\u4e0e\u4fdd\u9669\u516c\u53f8\u914d\u5bf9\uff0c\u5728\u9500\u552e\u70b9\u4e3a\u8bb8\u591a\u5ba2\u6237\u63d0\u4f9b\u4fdd\u9669\u3002\n\u8fd9\u79cd\u5173\u7cfb\u7684\u4fbf\u5229\u6027\u7531\u5171\u4eab\u6280\u672f\u5b9e\u73b0\uff0c\u4e3a\u4fdd\u9669\u516c\u53f8\u548c\u975e\u4fdd\u9669\u516c\u53f8\u5efa\u7acb\u66f4\u7262\u56fa\u7684\u5ba2\u6237\u5173\u7cfb\u5960\u5b9a\u4e86\u57fa\u7840\u3002   <\/p>\n\n<p>\u5d4c\u5165\u5f0f\u4fdd\u9669\u6210\u4e3a\u5728\u5173\u952e\u65f6\u523b\u5c06\u5ba2\u6237\u4e0e\u4fdd\u9669\u8054\u7cfb\u8d77\u6765\u7684\u4e00\u79cd\u65b9\u5f0f\u3002\n\u968f\u7740 2022 \u5e74\u7684\u5230\u6765\uff0c\u4fdd\u9669\u516c\u53f8\u6b63\u5728\u6311\u6218\u5d4c\u5165\u5f0f\u4fdd\u9669\u7684\u6781\u9650\u3002\n\u4ed6\u4eec\u6b63\u5728\u5c06\u5e73\u53f0\u548c\u5e94\u7528\u7a0b\u5e8f\u8f6c\u53d8\u4e3a\u6210\u719f\u7684 <a href=\"https:\/\/www.boltinsurance.com\/insights\/blogs\/apps-embedded-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">\u6570\u5b57\u76ee\u7684\u5730<\/a>\uff0c\u5ba2\u6237\u53ef\u4ee5\u5728\u8fd9\u91cc\u540c\u65f6\u5904\u7406\u4e00\u7cfb\u5217\u4e0e\u4fdd\u9669\u76f8\u5173\u7684\u9700\u6c42\uff0c\u4ece\u5ef6\u957f\u4fdd\u4fee\u5230\u8d2d\u4e70\u623f\u5c4b\u6216\u6c7d\u8f66\uff0c\u4ee5\u53ca\u4ed6\u4eec\u9700\u8981\u7684\u4fdd\u9669\u3002  <\/p>\n\n<p>\u8fdc\u7a0b\u5de5\u4f5c\u5728 2020 \u5e74\u548c 2021 \u5e74\u4e5f\u53d8\u5f97\u5f88\u719f\u6089\u3002\n\u5982\u4eca\uff0c\u8bb8\u591a <a href=\"https:\/\/www.boltinsurance.com\/insights\/blogs\/pandemic-driven-insurance-tech\" target=\"_blank\" rel=\"noreferrer noopener\">\u4fdd\u9669\u4ee3\u7406\u4eba<\/a> \u53d1\u73b0\uff0c\u53ea\u8981\u4ed6\u4eec\u62e5\u6709\u5408\u9002\u7684\u5de5\u5177\uff0c\u4ed6\u4eec\u5c31\u53ef\u4ee5\u5728\u8fdc\u7a0b\u73af\u5883\u4e2d\u6709\u6548\u5730\u5b8c\u6210\u5de5\u4f5c\u3002\n\u4f8b\u5982\uff0c\u4e00\u4e2a\u65e0\u7f1d\u8fde\u63a5\u5ba2\u6237\u548c\u4ee3\u7406\u7684\u5e73\u53f0\u53ef\u4ee5\u63d0\u4f9b\u4ee3\u7406\u6240\u9700\u7684\u4fe1\u606f\u548c\u5ba2\u6237\u9700\u8981\u7684\u8fde\u63a5\u9009\u9879\uff0c\u4ece\u800c\u4e3a\u6b63\u786e\u7684\u5ba2\u6237\u5b89\u6392\u6b63\u786e\u7684\u4fdd\u9669\u3002  <\/p>\n\n<p>\u5c3d\u7ba1\u75ab\u82d7\u63a5\u79cd\u4f7f\u4eba\u4eec\u66f4\u5bb9\u6613\u6062\u590d\u9762\u5bf9\u9762\u6d3b\u52a8\uff0c\u4f46\u4fdd\u9669\u4ee3\u7406\u4eba\u53d1\u73b0\uff0c\u6570\u5b57\u901a\u4fe1\u9009\u9879\u4ecd\u7136\u662f\u4e0e\u5ba2\u6237\u8054\u7cfb\u7684\u91cd\u8981\u65b9\u5f0f\u3002\n\u4fdd\u9669\u5e73\u53f0\u5de5\u5177\u548c\u5176\u4ed6\u9009\u9879\u4f7f\u72ec\u7acb\u4ee3\u7406\u4eba\u80fd\u591f\u66f4\u6709\u6548\u5730 <a href=\"https:\/\/www.boltinsurance.com\/insights\/blogs\/customer-communication-post-pandemic\" target=\"_blank\" rel=\"noreferrer noopener\">\u6c9f\u901a<\/a> \uff0c\u5efa\u7acb\u957f\u671f\u5173\u7cfb\u5e76\u57f9\u517b\u5ba2\u6237\u5fe0\u8bda\u5ea6\u3002\n\u8fd9\u4e9b\u5de5\u5177\u6b63\u5728\u6210\u4e3a\u4ee3\u7406\u5de5\u5177\u5305\u7684\u5e38\u89c4\u548c\u91cd\u8981\u90e8\u5206\u3002  <\/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\/family-taking-selfie-1024x683.jpg\" alt=\"&#x5FEB;&#x4E50;&#x7684;&#x5BB6;&#x5EAD;&#x4E0E;&#x62C9;&#x5E03;&#x62C9;&#x591A;&#x730E;&#x72AC;&#x5728;&#x516C;&#x56ED;&#x91CC;&#x7528;&#x667A;&#x80FD;&#x624B;&#x673A;&#x81EA;&#x62CD;\" class=\"wp-image-10642\" srcset=\"https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/family-taking-selfie-1024x683.jpg 1024w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/family-taking-selfie-300x200.jpg 300w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/family-taking-selfie-768x512.jpg 768w, https:\/\/bolttech.io\/wp-content\/uploads\/2024\/09\/family-taking-selfie.jpg 1200w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n<h2 class=\"wp-block-heading\">\u53ef\u5b9a\u5236\u7684\u8986\u76d6\u8303\u56f4\uff0c\u6ee1\u8db3\u4e2a\u6027\u5316\u9700\u6c42<\/h2>\n\n<p>\u4fdd\u9669\u53ef\u80fd\u5f88\u590d\u6742\uff0c\u800c\u4e14\u5927\u591a\u6570\u5ba2\u6237\u90fd\u4e0d\u662f\u4fdd\u9669\u4e13\u5bb6\u3002\n\u8bb8\u591a\u4fdd\u9669\u516c\u53f8\u90fd\u610f\u8bc6\u5230\uff0c\u6709\u6548\u7684\u670d\u52a1\uff0c\u5c24\u5176\u662f\u6765\u81ea\u5408\u683c\u4fdd\u9669\u4ee3\u7406\u4eba\u7684\u670d\u52a1\uff0c\u5bf9\u4e8e\u5efa\u7acb\u7262\u56fa\u7684\u5ba2\u6237\u5173\u7cfb\u81f3\u5173\u91cd\u8981\u3002\n <a href=\"https:\/\/www2.deloitte.com\/content\/campaigns\/uk\/insurancetrends\/insurancetrends\/insurancetrends.html\" target=\"_blank\" rel=\"noreferrer noopener\">David Rush<\/a> \u548c\u5176\u4ed6\u7814\u7a76\u4eba\u5458\u5199\u9053\uff0c\u4f8b\u5982\uff0c\u5728 Deloitte \u7684\u4e00\u9879\u8c03\u67e5\u4e2d\uff0c57% \u7684\u53d7\u8bbf\u4fdd\u9669\u516c\u53f8\u8868\u793a\uff0c\u4fdd\u6301\u5ba2\u6237\u5fe0\u8bda\u5ea6\u7684\u6700\u6709\u6548\u65b9\u6cd5\u662f\u5728\u5ba2\u6237\u9700\u8981\u65f6\u63d0\u4f9b\u53cb\u597d\u3001\u77e5\u8bc6\u6e0a\u535a\u7684\u4eba\u5de5\u5e2e\u52a9\u3002  <\/p>\n\n<p>\u4eba\u5de5\u534f\u52a9\u8fd8\u6709\u52a9\u4e8e\u63d0\u4f9b\u5ba2\u6237\u8d8a\u6765\u8d8a\u9700\u8981\u548c\u60f3\u8981\u7684\u4e2a\u6027\u5316\u548c\u5b9a\u5236\u4fdd\u9669\u3002\nCOVID-19 \u5927\u6d41\u884c\u4f7f\u8bb8\u591a\u5ba2\u6237\u9700\u8981\u4fdd\u9669\u3002\n\u7136\u800c\uff0c\u4ed6\u4eec\u5bf9\u5176\u4ed6\u5728\u7ebf\u8d2d\u7269\u9009\u62e9\u7684\u7ecf\u9a8c\u4f7f\u5ba2\u6237\u671f\u671b\u4fdd\u9669\u4e5f\u53ef\u4ee5\u800c\u4e14\u5e94\u8be5\u6839\u636e\u4ed6\u4eec\u7684\u9700\u6c42\u91cf\u8eab\u5b9a\u5236\u3002  <\/p>\n\n<p>\u4e2a\u6027\u5316\u670d\u52a1\u548c\u5b9a\u5236\u4fdd\u9669\u5bf9\u5ba2\u6237\u8d2d\u4e70\u4fdd\u9669\u65f6\u4f53\u9a8c\u7684 <a href=\"https:\/\/www.boltinsurance.com\/insights\/blogs\/insurance-quality-of-life\" target=\"_blank\" rel=\"noreferrer noopener\">\u751f\u6d3b\u8d28\u91cf<\/a> \u8d77\u7740\u5173\u952e\u4f5c\u7528\uff0c\u5c24\u5176\u662f\u5f53\u4ed6\u4eec\u5728\u6570\u5b57\u73af\u5883\u4e2d\u8d2d\u4e70\u4fdd\u9669\u65f6\u3002\n\u5f53\u5ba2\u6237\u53ef\u4ee5\u5b89\u5168\u5730\u63d0\u4f9b\u57fa\u672c\u4fe1\u606f\u5e76\u5f97\u5230\u6709\u6548\u89e3\u7b54\u65f6\uff0c\u4ed6\u4eec\u66f4\u6709\u53ef\u80fd\u5bf9\u901a\u8fc7\u5e73\u53f0\u83b7\u5f97\u7684\u670d\u52a1\u548c\u7531\u6b64\u4ea7\u751f\u7684\u8986\u76d6\u8303\u56f4\u611f\u5230\u6ee1\u610f\u3002 <\/p>\n\n<p>2021 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