{"id":19442,"date":"2024-09-20T09:39:53","date_gmt":"2024-09-20T14:39:53","guid":{"rendered":"https:\/\/bolttech.io\/insight\/covid-19-%e5%92%8c%e4%bf%9d%e9%9a%aa%e6%a5%ad%ef%bc%9a%e6%88%91%e5%80%91%e7%9a%84%e7%ab%8b%e5%a0%b4%e5%a6%82%e4%bd%95%ef%bc%9f\/"},"modified":"2024-09-20T09:39:54","modified_gmt":"2024-09-20T14:39:54","slug":"covid-19-%e5%92%8c%e4%bf%9d%e9%9a%aa%e6%a5%ad%ef%bc%9a%e6%88%91%e5%80%91%e7%9a%84%e7%ab%8b%e5%a0%b4%e5%a6%82%e4%bd%95%ef%bc%9f","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/covid-19-%e5%92%8c%e4%bf%9d%e9%9a%aa%e6%a5%ad%ef%bc%9a%e6%88%91%e5%80%91%e7%9a%84%e7%ab%8b%e5%a0%b4%e5%a6%82%e4%bd%95%ef%bc%9f\/","title":{"rendered":"COVID-19 \u548c\u4fdd\u96aa\u696d\uff1a\u6211\u5011\u7684\u7acb\u5834\u5982\u4f55\uff1f"},"content":{"rendered":"\n<p>\u7f8e\u570b\u548c\u8a31\u591a\u5176\u4ed6\u570b\u5bb6\u7684\u4eba\u5011\u7e7c\u7e8c\u8207 COVID-19 \u5171\u5b58\uff0c\u9019\u662f\u6bcf\u5929\u7684\u73fe\u5be6\u3002\n\u7136\u800c\uff0c\u75ab\u60c5\u7206\u767c\u4e00\u5e74\u5f8c\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u8a55\u4f30\u6211\u5011\u7684\u54ea\u4e9b\u65e9\u671f\u9810\u6e2c\u5df2\u7d93\u5be6\u73fe\u3002\n\u4ed6\u5011\u9084\u53ef\u4ee5\u958b\u59cb\u8a55\u4f30\u81ea\u5df1\u5c0d\u5927\u6d41\u884c\u75c5\u7684\u61c9\u5c0d\u63aa\u65bd\uff0c\u4f75\u70ba\u4f86\u5e74\u5236\u5b9a\u8a08\u5283\u3002  <\/p>\n\n<h2 class=\"wp-block-heading\">\u6211\u5011\u7684\u9810\u6e2c\u5982\u4f55\u767c\u63ee\u4f5c\u7528 \u2014 \u6216\u6c92\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\u54e1\u5728 2020 \u5e74\u9810\u6e2c\uff0cCOVID-19 \u53ef\u80fd\u6703\u4ee5\u591a\u7a2e\u65b9\u5f0f\u767c\u5c55\u3002\n\u8a72\u5718\u968a\u63d0\u51fa\u4e86\u56db\u7a2e\u60c5\u666f\uff0c\u8003\u616e\u4e86\u4fdd\u96aa\u516c\u53f8\u548c\u5ba2\u6236\u5c0d COVID-19 \u7684\u53ef\u80fd\u53cd\u61c9\u3002 <\/p>\n\n<p>\u96d6\u7136\u9019\u4e9b\u60c5\u6cc1\u4ecd\u5728\u767c\u5c55\u4e2d\uff0c\u4f46 Deloitte \u5718\u968a\u78ba\u5be6\u9810\u6e2c\u4e86\u5ba2\u6236\u884c\u70ba\u7684\u516d\u9805\u5177\u9ad4\u8b8a\u5316\uff0c\u9019\u4e9b\u8b8a\u5316\u5df2\u7d93\u5f71\u97ff\u4e86\u5ba2\u6236\u8cfc\u8cb7\u4fdd\u96aa\u7684\u65b9\u5f0f\u3002\n\u9019\u4e9b\u8b8a\u66f4\u5305\u62ec\uff1a <\/p>\n\n<ul class=\"wp-block-list\">\n<li>\u559c\u6b61\u5446\u5728\u5bb6\u88e1\u3002<\/li>\n\n\n\n<li>\u5c0d\u4f4e\u6210\u672c\u9078\u64c7\u91cd\u65b0\u7522\u751f\u8208\u8da3\u3002<\/li>\n\n\n\n<li>\u589e\u52a0\u7db2\u4e0a\u8cfc\u7269\u3002<\/li>\n\n\n\n<li>\u512a\u5148\u8003\u616e\u5065\u5eb7\u548c\u798f\u7949\u3002<\/li>\n\n\n\n<li>\u5c0d\u6e05\u6f54\u7684\u671f\u671b\u3002<\/li>\n\n\n\n<li>\u66f4\u559c\u6b61\u8cfc\u8cb7\u672c\u5730\u7522\u54c1\u3002<\/li>\n<\/ul>\n\n<p>\u6240\u6709\u9019\u4e9b\u8b8a\u5316\u5f80\u5f80\u6703\u4fc3\u4f7f\u5ba2\u6236\u8f49\u5411\u6578\u5b57\u9078\u9805\uff0c\u4ee5\u8cfc\u8cb7\u4ed6\u5011\u70ba\u5bb6\u5ead\u6216\u4f01\u696d\u8cfc\u8cb7\u6240\u9700\u7684\u4fdd\u96aa\u3002<\/p>\n\n<p>\u5728 COVID-19 \u5927\u6d41\u884c\u4e4b\u524d\uff0c\u4e00\u4e9b\u4fdd\u96aa\u8cbb\u7387\u4e00\u76f4\u5728\u4e0a\u6f32\uff0c\u5373\u4f7f\u662f\u5343\u8f09\u96e3\u9022\u7684\u5168\u7403\u4e8b\u4ef6\u4e5f\u6c92\u6709\u6539\u8b8a\u9019\u4e00\u8ecc\u8de1\u3002\n\u4f8b\u5982\uff0c\u5546\u696d\u6c7d\u8eca\u4fdd\u96aa\u8cbb\u7387\u5728 2020 \u5e74\u7e7c\u7e8c\u6500\u5347\uff0c\u56e0\u70ba\u201c\u8cbb\u7387\u4e0a\u6f32\u6c92\u6709\u8ddf\u4e0a\u640d\u5931\u8da8\u52e2\uff0c\u201dLiberty Mutual Insurance \u5168\u7403\u98a8\u96aa\u89e3\u6c7a\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> \u8aaa\u3002 <\/p>\n\n<p>\u5118\u7ba1\u5f71\u97ff\u591a\u500b\u57ce\u5e02\u548c\u5dde\u7684\u5c45\u5bb6\u4ee4\uff0c\u4f46\u5546\u7528\u6c7d\u8eca\u4fdd\u96aa\u7684\u6301\u7e8c\u589e\u9577\u5728\u67d0\u7a2e\u7a0b\u5ea6\u4e0a\u9055\u53cd\u4e86\u76f4\u89ba\u3002\n\u7136\u800c\uff0cPerez \u6307\u51fa\uff0c\u96d6\u7136\u9053\u8def\u4e0a\u7684\u8eca\u8f1b\u6578\u91cf\u6709\u6240\u4e0b\u964d\uff0c\u4f46\u8cbb\u7387\u4e26\u6c92\u6709\u4e0b\u964d\u3002 <\/p>\n\n<p>\u4ed6\u89e3\u91cb\u8aaa\uff0c\u8cbb\u7387\u4e0d\u50c5\u50c5\u53d7\u6c7d\u8eca\u7d22\u8ce0\u6578\u91cf\u7684\u5f71\u97ff\u3002\n\u5728\u7a7a\u66e0\u7684\u9053\u8def\u4e0a\u9b6f\u83bd\u99d5\u99db\u5c0e\u81f4\u66f4\u591a\u7684\u4e8b\u6545\uff0c\u4ee5\u53ca\u5c0d\u8907\u96dc\u6280\u8853\u90e8\u4ef6\u6578\u91cf\u4e0d\u65b7\u589e\u52a0\u7684\u8eca\u8f1b\u9032\u884c\u66f4\u6602\u8cb4\u7684\u7dad\u4fee\uff0c\u9019\u5169\u8005\u90fd\u5c0e\u81f4\u5546\u7528\u6c7d\u8eca\u8cbb\u7387\u4e0d\u65b7\u6500\u5347\uff0c\u5373\u4f7f\u9053\u8def\u4e0a\u7684\u8eca\u8f1b\u7e3d\u6578\u4e0b\u964d\u3002 <\/p>\n\n<p>\u5546\u7528\u8eca\u4e5f\u662f\u9053\u8def\u4ea4\u901a\u6574\u9ad4\u4e0b\u964d\u7684\u4e00\u500b\u4f8b\u5916\u3002\n\u96d6\u7136\u8a31\u591a\u500b\u4eba\u53f8\u6a5f\u90fd\u5446\u5728\u5bb6\u88e1\uff0c\u4f46\u5546\u696d\u53f8\u6a5f\u767c\u73fe\u81ea\u5df1\u6bd4\u5927\u6d41\u884c\u524d\u66f4\u5fd9\uff0c\u5c07\u98df\u54c1\u3001\u85e5\u54c1\u548c\u96f6\u552e\u5546\u54c1\u9001\u5230\u5bb6\u4e2d\u3002 <\/p>\n\n<p>\u67d0\u4e9b\u5f71\u97ff\u8ca1\u7522\u4fdd\u96aa\u7684\u9810\u6e2c\u4e5f\u5df2\u7d93\u4e0a\u6f14\u3002\n\u4f8b\u5982\uff0c\u5728 2020 \u5e74\u6625\u5929\uff0c\u8a31\u591a\u5c08\u5bb6\u8b66\u544a\u8aaa\uff0c\u4e00\u500b\u7570\u5e38\u6d3b\u8e8d\u7684\u98b6\u98a8\u5b63\u7bc0\u5373\u5c07\u5230\u4f86\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\u5b78\u65b0\u805e\u300b\u4e2d\u5beb\u9053\u3002\n\u5230\u4eca\u5e74\u98b6\u98a8\u5b63\u7d50\u675f\u6642\uff0c\u7f8e\u570b\u570b\u5bb6\u6d77\u6d0b\u548c\u5927\u6c23\u7ba1\u7406\u5c40 \uff08NOAA\uff09 \u7a31\u5176\u201c\u975e\u5e38\u6d3b\u8e8d\u201d\uff0c\u4e26\u6307\u51fa 2020 \u5e74\u201c\u7f8e\u570b\u5927\u9678\u51fa\u73fe\u4e86\u7834\u7d00\u9304\u7684 30 \u5834\u547d\u540d\u98a8\u66b4\u548c 12 \u5834\u767b\u9678\u98a8\u66b4\u201d\u3002  <\/p>\n\n<p>\u5404\u7a2e\u689d\u4ef6\u300c\u8aac\u660e\u4f7f\u9019\u500b\u7834\u7d00\u9304\u3001\u6975\u5176\u6d3b\u8e8d\u7684\u98b6\u98a8\u5b63\u7bc0\u6210\u70ba\u53ef\u80fd\uff0c\u300dNOAA \u6c23\u5019\u9810\u6e2c\u4e2d\u5fc3\u7684\u98b6\u98a8\u6c23\u5019\u5c08\u5bb6\u548c\u7814\u7a76\u6c23\u8c61\u5b78\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>\u8aaa\u3002\n\u53cd\u904e\u4f86\uff0c\u6d3b\u8e8d\u7684\u98b6\u98a8\u5b63\u7bc0\u5c0e\u81f4\u8a31\u591a\u4fdd\u96aa\u516c\u53f8\u5617\u8a66\u8a08\u7b97\u98a8\u96aa\u4e26\u76f8\u61c9\u5730\u70ba\u4f4f\u5b85\u548c\u5546\u696d\u8ca1\u7522\u4fdd\u96aa\u8a2d\u5b9a\u50f9\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\u96aa\u516c\u53f8\u5728\u75ab\u60c5\u671f\u9593\u7684\u6210\u529f<\/h2>\n\n<p>\u5728\u75ab\u60c5\u671f\u9593\uff0c\u4fdd\u96aa\u516c\u53f8\u722d\u5148\u6050\u5f8c\u5730\u8f49\u5411\u6578\u5b57\u5316\u57fa\u790e\u3002\n\u901a\u904e\u63d0\u524d\u6578\u4f4d\u5316\u8f49\u578b\u6642\u7a0b\u8868\uff0c\u8ca1\u7522\u4fdd\u96aa\u516c\u53f8\u4e5f\u53ef\u80fd\u671d\u8457\u5be6\u73fe\u9577\u671f\u696d\u52d9\u76ee\u6a19\u9081\u51fa\u4e86\u6700\u597d\u7684\u4e00\u6b65\u3002 <\/p>\n\n<p>\u201cCOVID-19 \u5c07\u5c0d\u65b0\u8208\u3001\u5275\u65b0\u6578\u4f4d\u89e3\u6c7a\u65b9\u6848\u548c\u670d\u52d9\u7684\u9700\u6c42\u63a8\u5230\u4e86\u6a19\u6e96\u4fdd\u96aa\u884c\u696d\u904b\u71df\u7684\u6700\u524d\u6cbf\uff0c\u201dTransUnion \u57f7\u884c\u526f\u7e3d\u88c1\u517c\u4fdd\u96aa\u696d\u52d9\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> \u8aaa\u3002\n\u901a\u904e\u63a1\u7528\u65b0\u7684\u5206\u92b7\u9078\u9805\uff0c\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u5c07\u81ea\u5df1\u5b9a\u4f4d\u70ba\u96a8\u6642\u96a8\u5730\u6eff\u8db3\u5ba2\u6236\u9700\u6c42\u3002 <\/p>\n\n<p>\u5c0d\u8a31\u591a\u4eba\u4f86\u8aaa\uff0c\u4fdd\u6301\u793e\u4ea4\u8ddd\u96e2\u6b63\u5728\u5f9e\u5fc5\u9700\u54c1\u8f49\u8b8a\u70ba\u4e00\u7a2e\u7fd2\u6163\u3002\n\u5373\u4f7f\u75ab\u60c5\u6d88\u9000\uff0c\u9019\u4e9b\u5ba2\u6236\u4e5f\u53ef\u80fd\u975e\u5e38\u559c\u6b61\u5728\u7dda\u8cfc\u8cb7\u4fdd\u96aa\uff0c\u751a\u81f3\u53ef\u80fd\u907f\u958b\u4e0d\u63d0\u4f9b\u5728\u7dda\u5206\u92b7\u7684\u4fdd\u96aa\u516c\u53f8\u3002\n\u56e0\u6b64\uff0c\u5c08\u6ce8\u65bc\u5ba2\u6236\u53cb\u597d\u578b\u6578\u4f4d\u5206\u92b7\u7684\u4fdd\u96aa\u516c\u53f8\u80fd\u5920\u5229\u7528\u6d88\u8cbb\u8005\u7fd2\u6163\u7684\u9019\u4e00\u8b8a\u5316\u3002  <\/p>\n\n<p>\u4fdd\u96aa\u516c\u53f8\u9084\u5229\u7528\u6578\u4f4d\u5de5\u5177\u4f86\u964d\u4f4e\u5176\u54e1\u5de5\u9762\u81e8\u7684\u98a8\u96aa\u3002<\/p>\n\n<p>\u201c\u6211\u5011\u8a8d\u70ba\u904b\u71df\u5546\u5728\u4e00\u4e9b\u884c\u696d\u66f4\u52a0\u8b39\u614e\uff0c\u4f8b\u5982\u91ab\u7642\u4fdd\u5065\u3001\u9152\u5e97\u3001\u5a1b\u6a02\u548c\u9910\u98f2\u696d\u3002\u4f8b\u5982\uff0c\u6211\u5011\u4e00\u5bb6\u4e3b\u8981\u4fdd\u96aa\u516c\u53f8\u7684\u9ad8\u7ba1\u8a55\u8ad6\u8aaa\uff0c\u4ed6\u5011\u5728\u64b0\u5beb\u65b0\u696d\u52d9\u6642\u4e0d\u60f3\u9047\u5230\u7d22\u8ce0\uff0c\u201c\u5168\u7403\u4fdd\u96aa\u7d93\u7d00\u516c\u53f8 Gallagher \u7684\u526f\u7e3d\u88c1\u517c\u5e02\u5834\u95dc\u4fc2\u8ca0\u8cac\u4eba <a href=\"http:\/\/www.rmmagazine.com\/2020\/05\/01\/hard-times-hard-market\/\" target=\"_blank\" rel=\"noreferrer noopener\">B. Puckett<\/a> \u8aaa\u3002\n\u70ba\u4e86\u4fdd\u8b77\u81ea\u5df1\u7684\u54e1\u5de5\uff0c\u4fdd\u96aa\u516c\u53f8\u63a1\u7528\u4e86\u5728\u5bb6\u8fa6\u516c\u7684\u505a\u6cd5\u548c\u5de5\u5177\u3002 <\/p>\n\n<p>\u9810\u8a08\u6574\u500b\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u884c\u696d\u5728\u4e0d\u4e45\u7684\u5c07\u4f86\u5c07\u4fdd\u6301\u7a69\u5b9a\u3002\n\u6a19\u6e96\u666e\u723e <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\">\u9810\u6e2c<\/a> \u8a72\u884c\u696d95%\u7684\u4fdd\u96aa\u516c\u53f8\u5c07\u4fdd\u6301\u7a69\u5b9a\u3002\n\u96d6\u7136\u5c0d\u7a69\u5b9a\u7684\u9810\u6e2c\u4e0d\u5982\u5c0d\u6b63\u589e\u9577\u7684\u9810\u6e2c\u90a3\u9ebc\u4ee4\u4eba\u632f\u596e\uff0c\u4f46\u8ca1\u7522\u548c\u610f\u5916\u96aa\u4fdd\u96aa\u516c\u53f8\u907f\u514d\u4e86\u5c0d\u5927\u6d41\u884c\u5c0d\u5b9a\u50f9\u5f71\u97ff\u7684\u66f4\u53ef\u6015\u7684\u9810\u6e2c\uff0c\u4f8b\u5982\u4fdd\u96aa\u5206\u92b7\u548c\u627f\u4fdd\u516c\u53f8 MarketScout \u7684\u9996\u5e2d\u57f7\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\u9810\u6e2c\u3002  <\/p>\n\n<p>\u201c\u8f03\u4f4e\u7684\u98a8\u96aa\u655e\u53e3\u57fa\u6578\u548c\u653f\u5e9c\u5e72\u9810\u4fdd\u96aa\u7533\u8acb\u7684\u53ef\u80fd\u6027\u5c07\u5c0d\u4eca\u5e74\u5269\u9918\u6642\u9593\u7684\u5b9a\u50f9\u7522\u751f\u5de8\u5927\u5f71\u97ff\uff0c\u201dKerr \u9810\u6e2c\u3002\n\u96d6\u7136\u8a31\u591a\u50f9\u683c\u78ba\u5be6\u4e0a\u6f32\u4e86\uff0c\u4f46\u8fc4\u4eca\u70ba\u6b62\uff0c\u8ca1\u7522\u548c\u610f\u5916\u96aa\u4f5c\u70ba\u4e00\u500b\u6574\u9ad4\u7d93\u53d7\u4f4f\u4e86 COVID-19 \u5927\u6d41\u884c\u7684\u8003\u9a57\uff0c\u6bd4\u65e9\u671f\u9810\u6e2c\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\u96aa\u516c\u53f8\u548c\u5ba2\u6236\u7684 COVID-19 \u9ad4\u9a57\u5c07\u5982\u4f55\u6539\u8b8a\u4ed6\u5011\u7684\u696d\u52d9\u65b9\u5f0f<\/h2>\n\n<p>\u5728\u65b0\u51a0\u75ab\u60c5\u7684\u63a8\u52d5\u4e0b\uff0c\u5ba2\u6236\u6b63\u5728\u5c0b\u627e\u964d\u4f4e\u6210\u672c\u7684\u65b9\u6cd5\uff0c\u540c\u6642\u4fdd\u7559\u5c0d\u4ed6\u5011\u5728\u9762\u5c0d COVID-19 \u548c\u5176\u4ed6\u98a8\u96aa\u6642\u80fd\u5920\u4f7f\u7528\u7684\u4fdd\u96aa\u3002\n\u5728\u5927\u6d41\u884c\u540e\u4fdd\u96aa\u65b9\u9762\uff0c\u77ad\u89e3\u5ba2\u6236\u7684\u89c0\u9ede\uff0c\u4fdd\u96aa\u516c\u53f8\u5c07\u53d7\u76ca\u3002 <\/p>\n\n<p>\u627f\u8a8d\u6d88\u8cbb\u8005\u5c0d COVID-19 \u548c\u4fdd\u96aa\u7bc4\u570d\u7684\u671f\u671b\u5c0d\u65bc\u4fdd\u96aa\u516c\u53f8\u4f86\u8aaa\u81f3\u95dc\u91cd\u8981\u3002\n\u5728\u67d0\u4e9b\u60c5\u6cc1\u4e0b\uff0c\u9019\u53ef\u80fd\u610f\u5473\u8457\u70ba\u75c5\u6bd2\u5927\u6d41\u884c\u63d0\u4f9b\u4fdd\u96aa;\u5728\u5176\u4ed6\u60c5\u6cc1\u4e0b\uff0c\u9019\u610f\u5473\u8457\u6559\u80b2\u5ba2\u6236\u4ed6\u5011\u7684\u4fdd\u55ae\u6db5\u84cb\u6216\u4e0d\u6db5\u84cb\u54ea\u4e9b\u985e\u578b\u7684\u5927\u6d41\u884c\u60c5\u6cc1\u3002 <\/p>\n\n<p>\u7136\u800c\uff0c\u7e3d\u9ad4\u800c\u8a00\uff0c\u9810\u8a08\u4fdd\u96aa\u5c07\u8207\u6574\u500b\u7d93\u6fdf\u4e00\u8d77\u5f9e\u5927\u6d41\u884c\u4e2d\u6062\u5fa9\u904e\u4f86\u3002<\/p>\n\n<p>\u201c\u8a72\u884c\u696d\u7684\u8cc7\u672c\u72c0\u6cc1\u610f\u5473\u8457\u5b83\u61c9\u8a72\u80fd\u5920\u61c9\u5c0d COVID-19 \u7684\u885d\u64ca\uff0c\u201d\u745e\u58eb\u518d\u4fdd\u96aa\u96c6\u5718\u96c6\u5718\u9996\u5e2d\u7d93\u6fdf\u5b78\u5bb6\u517c\u8463\u4e8b\u7e3d\u7d93\u7406 <a href=\"https:\/\/www.insurancejournal.com\/magazines\/mag-features\/2020\/07\/20\/576043.htm\" target=\"_blank\" rel=\"noreferrer noopener\">Jerome Jean Haegli<\/a> \u8aaa\u3002\n\u201c\u5927\u591a\u6578\u5916\u90e8\u4fdd\u96aa\u5206\u6790\u4f30\u8a08\u7684\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u7d22\u8ce0\u7e3d\u984d\u7bc4\u570d\u7684\u4e0a\u9650\u70ba 1000 \u5104\u7f8e\u5143\uff0c\u5176\u898f\u6a21\u8207 2017 \u5e74\u98b6\u98a8\u54c8\u5a01\u3001\u827e\u723e\u746a\u548c\u746a\u9e97\u4e9e\u9020\u6210\u7684\u640d\u5931\u76f8\u4f3c\uff0c\u8a72\u884c\u696d\u4e5f\u5438\u6536\u4e86\u9019\u4e9b\u640d\u5931\u3002\u201d <\/p>\n\n<p>\u5fa9\u7526\u7684\u4e00\u500b\u4f8b\u5b50\u662f 2021 \u5e74\u521d\u5c0d\u65c5\u884c\u7684\u8208\u8da3\u6709\u6240\u589e\u52a0\u3002\n\u4f46\u662f\uff0c\u6d88\u8cbb\u8005\u76e3\u7763\u7d44\u7e54\u57f7\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> \u8aaa\uff0c\u8cfc\u8cb7\u4e86\u65c5\u884c\u4fdd\u96aa\u7684\u65c5\u884c\u8005\u9700\u8981\u4ed4\u7d30\u95b1\u8b80\u4ed6\u5011\u7684\u4fdd\u55ae\uff0c\u4ee5\u78ba\u5b9a\u5b83\u662f\u5426\u6db5\u84cb COVID-19\u3002 <\/p>\n\n<p>\u201c\u8cfc\u8cb7\u4efb\u4f55\u65c5\u884c\u4fdd\u96aa\u7684\u7b2c\u4e00\u8b66\u544a\u662f\u95b1\u8b80\u7d30\u5247\uff0c\u201dBalber \u8aaa\u3002\n\u201c\u9019\u5728\u65c5\u884c\u4fdd\u96aa\u4e2d\u975e\u5e38\u91cd\u8981\uff0c\u56e0\u70ba\u6c92\u6709\u6a19\u6e96\u7684\u4fdd\u55ae\u3002\u201d\n\u5373\u4f7f\u5728\u6709\u6a19\u6e96\u4fdd\u55ae\uff08\u5982\u623f\u4e3b\u4fdd\u96aa\uff09\u7684\u5730\u5340\uff0c\u5ba2\u6236\u4e5f\u53ef\u80fd\u9700\u8981\u4fdd\u96aa\u516c\u53f8\u63d0\u4f9b\u984d\u5916\u8aac\u660e\uff0c\u4ee5\u77ad\u89e3\u627f\u4fdd\u7684\u98a8\u96aa\u548c\u689d\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\u61c9\u5c0d\u65e5\u76ca\u786c\u5316\u7684\u5e02\u5834\u4e5f\u5c07\u9700\u8981\u4fdd\u96aa\u516c\u53f8\u5728\u672a\u4f86\u4e00\u5e74\u7684\u95dc\u6ce8\u3002\n\u5546\u696d\u6c7d\u8eca\u4fdd\u96aa\u8cbb\u7387\u7e7c\u7e8c\u4e0a\u6f32\uff0c\u5728\u75c5\u6bd2\u5927\u6d41\u884c\u4e2d\u5177\u6709\u7368\u7279\u98a8\u96aa\u7684\u4f01\u696d\uff08\u5982\u8001\u5e74\u8b77\u7406\u6a5f\u69cb\uff09\u7684\u8cbb\u7387\u4e5f\u5728\u4e0a\u6f32\u3002 <\/p>\n\n<p>\u6839\u64daWillisTowers Watson \u7684\u4e00\u9805 <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\u5340\uff0c\u8001\u5e74\u8b77\u7406\u6a5f\u69cb\u7684\u5546\u696d\u8b77\u7406\u8cbb\u7387\u9810\u8a08\u5c07\u589e\u52a050%\u6216\u66f4\u591a\u3002\n\u9810\u8a08\u4e00\u822c\u8cac\u4efb\u548c\u8077\u696d\u8cac\u4efb\u7684\u6f32\u5e45\u6700\u9ad8\uff0c\u4f46\u8ca1\u7522\u8cbb\u7387\u4e5f\u5c07\u589e\u52a0\u3002\n\u5373\u4f7f\u662f\u5de5\u50b7\u8ce0\u511f\u4fdd\u96aa\u7684\u4fdd\u8cbb\u4e5f\u53ef\u80fd\u7565\u6709\u589e\u52a0\u3002  <\/p>\n\n<p>\u95dc\u65bc COVID-19 \u5927\u6d41\u884c\u75c5\u9032\u7a0b\u7684\u4e00\u4e9b\u65e9\u671f\u9810\u6e2c\u6210\u771f\u4e86;\u5176\u4ed6\u7684\u5247\u96a8\u8457\u4e8b\u4ef6\u7684\u767c\u5c55\u800c\u9032\u884c\u4e86\u8abf\u6574\u3002\n\u96d6\u7136 COVID-19 \u4ecd\u7136\u662f\u65e5\u5e38\u8003\u616e\u56e0\u7d20\uff0c\u4f46\u8ca1\u7522\u548c\u610f\u5916\u96aa\u4fdd\u96aa\u516c\u53f8\u73fe\u5728\u6709\u8db3\u5920\u7684\u8cc7\u8a0a\u4f86\u8a55\u4f30\u4ed6\u5011\u5c0d\u5927\u6d41\u884c\u7684\u54ea\u4e9b\u65e9\u671f\u53cd\u61c9\u6709\u5229\u65bc\u4ed6\u5011\u7684\u696d\u52d9\u76ee\u6a19\uff0c\u4e26\u4e14\u96a8\u8457\u63a7\u5236\u75c5\u6bd2\u7684\u5617\u8a66\u7e7c\u7e8c\u9032\u884c\uff0c\u54ea\u4e9b\u53ef\u80fd\u9700\u8981\u9032\u4e00\u6b65\u8a55\u4f30\u3002 <\/p>\n\n<p><em>\u5716\u7247\u4f86\u81ea\uff1astylephotographs\/\u00a9123RF.com\u3001Alexey Zatevahin\/\u00a9123RF.com\u3001Alessandro Biascioli\/\u00a9123RF.com<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u7f8e\u570b\u548c\u8a31\u591a\u5176\u4ed6\u570b\u5bb6\u7684\u4eba\u5011\u7e7c\u7e8c\u8207 COVID-19 \u5171\u5b58\uff0c\u9019\u662f\u6bcf\u5929\u7684\u73fe\u5be6\u3002 \u7136\u800c\uff0c\u75ab\u60c5\u7206\u767c\u4e00\u5e74\u5f8c\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u4ee5\u8a55 [&hellip;]<\/p>\n","protected":false},"featured_media":9518,"template":"","insight-category":[],"class_list":["post-19442","insight","type-insight","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight\/19442","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight"}],"about":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/types\/insight"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media\/9518"}],"wp:attachment":[{"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/media?parent=19442"}],"wp:term":[{"taxonomy":"insight-category","embeddable":true,"href":"https:\/\/bolttech.io\/zh-hant\/wp-json\/wp\/v2\/insight-category?post=19442"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}