{"id":19821,"date":"2024-09-20T13:07:55","date_gmt":"2024-09-20T18:07:55","guid":{"rendered":"https:\/\/bolttech.io\/insights\/%e5%9b%9e%e9%a1%a7%e9%81%8e%e5%8e%bb%ef%bc%8c%e5%b1%95%e6%9c%9b%e6%9c%aa%e4%be%86%ef%bc%9a2021-%e5%b9%b4%e5%92%8c-2022-%e5%b9%b4%e7%9a%84%e4%bf%9d%e9%9a%aa%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%a7%e9%81%8e%e5%8e%bb%ef%bc%8c%e5%b1%95%e6%9c%9b%e6%9c%aa%e4%be%86%ef%bc%9a2021-%e5%b9%b4%e5%92%8c-2022-%e5%b9%b4%e7%9a%84%e4%bf%9d%e9%9a%aa%e7%a7%91%e6%8a%80","status":"publish","type":"insight","link":"https:\/\/bolttech.io\/zh-hant\/insights\/%e5%9b%9e%e9%a1%a7%e9%81%8e%e5%8e%bb%ef%bc%8c%e5%b1%95%e6%9c%9b%e6%9c%aa%e4%be%86%ef%bc%9a2021-%e5%b9%b4%e5%92%8c-2022-%e5%b9%b4%e7%9a%84%e4%bf%9d%e9%9a%aa%e7%a7%91%e6%8a%80\/","title":{"rendered":"\u56de\u9867\u904e\u53bb\uff0c\u5c55\u671b\u672a\u4f86\uff1a2021 \u5e74\u548c 2022 \u5e74\u7684\u4fdd\u96aa\u79d1\u6280"},"content":{"rendered":"\n<p>2020 \u5e74\u8feb\u4f7f\u4fdd\u96aa\u516c\u53f8\u9032\u884c\u5feb\u901f\u7684\u6280\u8853\u8b8a\u9769\uff0c\u5f9e\u54e1\u5de5\u548c\u4ee3\u7406\u4eba\u7684\u9060\u7aef\u5de5\u4f5c\u5230\u5ba2\u6236\u7684\u9060\u7aef\u5206\u767c\u9078\u9805\u3002\n\u96a8\u8457\u75ab\u60c5\u6301\u7e8c\u5230 2021 \u5e74\uff0c\u6211\u5011\u770b\u5230\u4fdd\u96aa\u516c\u53f8\u3001\u4ee3\u7406\u4eba\u548c\u5ba2\u6236\u5c0d\u6578\u4f4d\u901a\u4fe1\uff08\u5305\u62ec\u4fdd\u96aa\u5206\u92b7\uff09\u7684\u8212\u9069\u5ea6\u548c\u719f\u6089\u5ea6\u90fd\u8d8a\u4f86\u8d8a\u9ad8\u3002 <\/p>\n\n<p>\u5ba2\u6236\u4ecd\u7136\u91cd\u8996\u7d93\u9a57\u8c50\u5bcc\u7684\u4fdd\u96aa\u4ee3\u7406\u4eba\u548c\u4fdd\u96aa\u516c\u53f8\u5de5\u4f5c\u4eba\u54e1\u7684\u8aac\u660e\u3002\n\u4ed6\u5011\u9084\u91cd\u8996\u4fbf\u6377\u7684\u4fdd\u96aa\u6578\u5b57\u9023\u63a5\u7684\u597d\u8655\uff0c\u7121\u8ad6\u662f\u806f\u7e6b\u4ed6\u5011\u7684\u4fdd\u96aa\u4ee3\u7406\u4eba\uff0c\u9084\u662f\u6709\u6a5f\u6703\u5728\u92b7\u552e\u9ede\u70ba\u5927\u5b97\u8cfc\u8cb7\u63d0\u4f9b\u4fdd\u96aa\u3002\n2021 \u5e74\u8868\u660e\u4fdd\u96aa\u516c\u53f8\u9700\u8981\u5c07\u9019\u5169\u7a2e\u65b9\u6cd5\u6df7\u5408\u5728\u4e00\u8d77\u3002  <\/p>\n\n<h2 class=\"wp-block-heading\">\u96a8\u6642\u96a8\u5730\u6295\u4fdd\uff0c\u5c24\u5176\u662f\u9700\u8981\u7684\u5730\u65b9<\/h2>\n\n<p>\u9060\u7aef\u5206\u767c\u5728 2021 \u5e74 <a href=\"https:\/\/www.boltinsurance.com\/insights\/blogs\/insurance-industry-adapted\" target=\"_blank\" rel=\"noreferrer noopener\">\u5448\u7206\u70b8\u5f0f\u589e\u9577<\/a> \u3002\n\u65b0\u51a0\u75ab\u60c5\u5c07\u5ba2\u6236\u548c\u904b\u71df\u5546\u63a8\u5411\u9060\u7aef\u74b0\u5883\uff0c\u540c\u6642\u4e5f\u51f8\u986f\u4e86\u5c0d\u8ca1\u7522\u548c\u610f\u5916\u50b7\u5bb3\u4fdd\u96aa\u7684\u9700\u6c42\u3002 <\/p>\n\n<p>\u7531\u65bc\u9700\u8981\u4fdd\u96aa\u4f46\u7121\u6cd5\u89aa\u81ea\u8207\u4ee3\u7406\u4eba\u6703\u9762\uff0c\u4fdd\u96aa\u5ba2\u6236\u7d1b\u7d1b\u4e0a\u7db2\u3002\n\u4fdd\u96aa\u516c\u53f8\u5df2\u7d93\u6e96\u5099\u597d\u5728\u6578\u4f4d\u74b0\u5883\u4e2d\u6eff\u8db3\u5ba2\u6236\u9700\u6c42\uff0c\u5f9e\u9019\u4e00\u8b8a\u5316\u4e2d\u7372\u5f97\u4e86\u4e00\u4e9b\u65e9\u671f\u597d\u8655\uff0c\u4f46\u5176\u4ed6\u4fdd\u96aa\u516c\u53f8\u5f88\u5feb\u5c31\u8fce\u982d\u8d95\u4e0a\u3002 <\/p>\n\n<p>\u5ba2\u6236\u9858\u610f\u8a2a\u554f\u4fdd\u96aa\u516c\u53f8\u548c\u4ee3\u7406\u4eba\u7684\u7db2\u7ad9\uff0c\u4e26\u4f7f\u7528\u652f\u63f4 AI \u7684\u804a\u5929\u6a5f\u5668\u4eba\u548c\u8996\u983b\u901a\u8a71\u7b49\u5de5\u5177\u8cfc\u8cb7\u4fdd\u96aa\u3002\n\u5ba2\u6236\u4e5f\u6e96\u5099\u597d\u5728\u65b0\u7684\u74b0\u5883\u4e2d\u63a5\u53d7\u4fdd\u96aa\u9078\u9805\u3002\n\u5d4c\u5165\u5f0f\u4fdd\u96aa\u5728 2021 \u5e74\u64f4\u5c55\uff0c\u5c07\u975e\u4fdd\u96aa\u516c\u53f8\u8207\u4fdd\u96aa\u516c\u53f8\u914d\u5c0d\uff0c\u5728\u92b7\u552e\u9ede\u70ba\u8a31\u591a\u5ba2\u6236\u63d0\u4f9b\u4fdd\u96aa\u3002\n\u9019\u7a2e\u95dc\u4fc2\u7684\u4fbf\u5229\u6027\u7531\u5171\u7528\u6280\u8853\u5be6\u73fe\uff0c\u70ba\u4fdd\u96aa\u516c\u53f8\u548c\u975e\u4fdd\u96aa\u516c\u53f8\u5efa\u7acb\u66f4\u7262\u56fa\u7684\u5ba2\u6236\u95dc\u4fc2\u5960\u5b9a\u4e86\u57fa\u790e\u3002   <\/p>\n\n<p>\u5d4c\u5165\u5f0f\u4fdd\u96aa\u6210\u70ba\u5728\u95dc\u9375\u6642\u523b\u5c07\u5ba2\u6236\u8207\u4fdd\u96aa\u806f\u7e6b\u8d77\u4f86\u7684\u4e00\u7a2e\u65b9\u5f0f\u3002\n\u96a8\u8457 2022 \u5e74\u7684\u5230\u4f86\uff0c\u4fdd\u96aa\u516c\u53f8\u6b63\u5728\u6311\u6230\u5d4c\u5165\u5f0f\u4fdd\u96aa\u7684\u6975\u9650\u3002\n\u4ed6\u5011\u6b63\u5728\u5c07\u5e73\u81fa\u548c\u61c9\u7528\u7a0b\u5f0f\u8f49\u8b8a\u70ba\u6210\u719f\u7684 <a href=\"https:\/\/www.boltinsurance.com\/insights\/blogs\/apps-embedded-insurance\" target=\"_blank\" rel=\"noreferrer noopener\">\u6578\u4f4d\u76ee\u7684\u5730<\/a>\uff0c\u5ba2\u6236\u53ef\u4ee5\u5728\u9019\u88e1\u540c\u6642\u8655\u7406\u4e00\u7cfb\u5217\u8207\u4fdd\u96aa\u76f8\u95dc\u7684\u9700\u6c42\uff0c\u5f9e\u5ef6\u9577\u4fdd\u4fee\u5230\u8cfc\u8cb7\u623f\u5c4b\u6216\u6c7d\u8eca\uff0c\u4ee5\u53ca\u4ed6\u5011\u9700\u8981\u7684\u4fdd\u96aa\u3002  <\/p>\n\n<p>\u9060\u7aef\u5de5\u4f5c\u5728 2020 \u5e74\u548c 2021 \u5e74\u4e5f\u8b8a\u5f97\u5f88\u719f\u6089\u3002\n\u5982\u4eca\uff0c\u8a31\u591a <a href=\"https:\/\/www.boltinsurance.com\/insights\/blogs\/pandemic-driven-insurance-tech\" target=\"_blank\" rel=\"noreferrer noopener\">\u4fdd\u96aa\u4ee3\u7406\u4eba<\/a> \u767c\u73fe\uff0c\u53ea\u8981\u4ed6\u5011\u64c1\u6709\u5408\u9069\u7684\u5de5\u5177\uff0c\u4ed6\u5011\u5c31\u53ef\u4ee5\u5728\u9060\u7aef\u74b0\u5883\u4e2d\u6709\u6548\u5730\u5b8c\u6210\u5de5\u4f5c\u3002\n\u4f8b\u5982\uff0c\u4e00\u500b\u7121\u7e2b\u9023\u63a5\u5ba2\u6236\u548c\u4ee3\u7406\u7684\u5e73\u81fa\u53ef\u4ee5\u63d0\u4f9b\u4ee3\u7406\u6240\u9700\u7684\u4fe1\u606f\u548c\u5ba2\u6236\u9700\u8981\u7684\u9023\u63a5\u9078\u9805\uff0c\u5f9e\u800c\u70ba\u6b63\u78ba\u7684\u5ba2\u6236\u5b89\u6392\u6b63\u78ba\u7684\u4fdd\u96aa\u3002  <\/p>\n\n<p>\u5118\u7ba1\u75ab\u82d7\u63a5\u7a2e\u4f7f\u4eba\u5011\u66f4\u5bb9\u6613\u6062\u5fa9\u9762\u5c0d\u9762\u6d3b\u52d5\uff0c\u4f46\u4fdd\u96aa\u4ee3\u7406\u4eba\u767c\u73fe\uff0c\u6578\u4f4d\u901a\u4fe1\u9078\u9805\u4ecd\u7136\u662f\u8207\u5ba2\u6236\u806f\u7e6b\u7684\u91cd\u8981\u65b9\u5f0f\u3002\n\u4fdd\u96aa\u5e73\u81fa\u5de5\u5177\u548c\u5176\u4ed6\u9078\u9805\u4f7f\u7368\u7acb\u4ee3\u7406\u4eba\u80fd\u5920\u66f4\u6709\u6548\u5730 <a href=\"https:\/\/www.boltinsurance.com\/insights\/blogs\/customer-communication-post-pandemic\" target=\"_blank\" rel=\"noreferrer noopener\">\u6e9d\u901a<\/a> \uff0c\u5efa\u7acb\u9577\u671f\u95dc\u4fc2\u4e26\u57f9\u990a\u5ba2\u6236\u5fe0\u8aa0\u5ea6\u3002\n\u9019\u4e9b\u5de5\u5177\u6b63\u5728\u6210\u70ba\u4ee3\u7406\u5de5\u5177\u5305\u7684\u5e38\u898f\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;&#x6A02;&#x7684;&#x5BB6;&#x5EAD;&#x8207;&#x62C9;&#x5E03;&#x62C9;&#x591A;&#x7375;&#x72AC;&#x5728;&#x516C;&#x5712;&#x88E1;&#x7528;&#x667A;&#x6167;&#x624B;&#x6A5F;&#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\u88fd\u7684\u8986\u84cb\u7bc4\u570d\uff0c\u6eff\u8db3\u500b\u4eba\u5316\u9700\u6c42<\/h2>\n\n<p>\u4fdd\u96aa\u53ef\u80fd\u5f88\u8907\u96dc\uff0c\u800c\u4e14\u5927\u591a\u6578\u5ba2\u6236\u90fd\u4e0d\u662f\u4fdd\u96aa\u5c08\u5bb6\u3002\n\u8a31\u591a\u4fdd\u96aa\u516c\u53f8\u90fd\u610f\u8b58\u5230\uff0c\u6709\u6548\u7684\u670d\u52d9\uff0c\u5c24\u5176\u662f\u4f86\u81ea\u5408\u683c\u4fdd\u96aa\u4ee3\u7406\u4eba\u7684\u670d\u52d9\uff0c\u5c0d\u65bc\u5efa\u7acb\u7262\u56fa\u7684\u5ba2\u6236\u95dc\u4fc2\u81f3\u95dc\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\u54e1\u5beb\u9053\uff0c\u4f8b\u5982\uff0c\u5728 Deloitte \u7684\u4e00\u9805\u8abf\u67e5\u4e2d\uff0c57% \u7684\u53d7\u8a2a\u4fdd\u96aa\u516c\u53f8\u8868\u793a\uff0c\u4fdd\u6301\u5ba2\u6236\u5fe0\u8aa0\u5ea6\u7684\u6700\u6709\u6548\u65b9\u6cd5\u662f\u5728\u5ba2\u6236\u9700\u8981\u6642\u63d0\u4f9b\u53cb\u597d\u3001\u77e5\u8b58\u6df5\u535a\u7684\u4eba\u5de5\u8aac\u660e\u3002  <\/p>\n\n<p>\u4eba\u5de5\u5354\u52a9\u9084\u6709\u52a9\u65bc\u63d0\u4f9b\u5ba2\u6236\u8d8a\u4f86\u8d8a\u9700\u8981\u548c\u60f3\u8981\u7684\u500b\u4eba\u5316\u548c\u5b9a\u88fd\u4fdd\u96aa\u3002\nCOVID-19 \u5927\u6d41\u884c\u4f7f\u8a31\u591a\u5ba2\u6236\u9700\u8981\u4fdd\u96aa\u3002\n\u7136\u800c\uff0c\u4ed6\u5011\u5c0d\u5176\u4ed6\u5728\u7dda\u8cfc\u7269\u9078\u64c7\u7684\u7d93\u9a57\u4f7f\u5ba2\u6236\u671f\u671b\u4fdd\u96aa\u4e5f\u53ef\u4ee5\u800c\u4e14\u61c9\u8a72\u6839\u64da\u4ed6\u5011\u7684\u9700\u6c42\u91cf\u8eab\u5b9a\u88fd\u3002  <\/p>\n\n<p>\u500b\u4eba\u5316\u670d\u52d9\u548c\u5b9a\u88fd\u4fdd\u96aa\u5c0d\u5ba2\u6236\u8cfc\u8cb7\u4fdd\u96aa\u6642\u9ad4\u9a57\u7684 <a href=\"https:\/\/www.boltinsurance.com\/insights\/blogs\/insurance-quality-of-life\" target=\"_blank\" rel=\"noreferrer noopener\">\u751f\u6d3b\u54c1\u8cea<\/a> \u8d77\u8457\u95dc\u9375\u4f5c\u7528\uff0c\u5c24\u5176\u662f\u7576\u4ed6\u5011\u5728\u6578\u4f4d\u74b0\u5883\u4e2d\u8cfc\u8cb7\u4fdd\u96aa\u6642\u3002\n\u7576\u5ba2\u6236\u53ef\u4ee5\u5b89\u5168\u5730\u63d0\u4f9b\u57fa\u672c\u8cc7\u8a0a\u4e26\u5f97\u5230\u6709\u6548\u89e3\u7b54\u6642\uff0c\u4ed6\u5011\u66f4\u6709\u53ef\u80fd\u5c0d\u901a\u904e\u5e73\u81fa\u7372\u5f97\u7684\u670d\u52d9\u548c\u7531\u6b64\u7522\u751f\u7684\u8986\u84cb\u7bc4\u570d\u611f\u5230\u6eff\u610f\u3002 <\/p>\n\n<p>2021 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