{"id":4005,"date":"2025-07-22T09:15:23","date_gmt":"2025-07-22T02:15:23","guid":{"rendered":"https:\/\/c4ir.vn\/?p=4005"},"modified":"2025-07-22T09:59:09","modified_gmt":"2025-07-22T02:59:09","slug":"cong-nghe-co-the-giup-nganh-bao-hiem-gianh-lai-niem-tin","status":"publish","type":"post","link":"https:\/\/c4ir.vn\/en\/cong-nghe-co-the-giup-nganh-bao-hiem-gianh-lai-niem-tin\/","title":{"rendered":"C\u00f4ng ngh\u1ec7 c\u00f3 th\u1ec3 gi\u00fap ng\u00e0nh b\u1ea3o hi\u1ec3m gi\u00e0nh l\u1ea1i ni\u1ec1m tin"},"content":{"rendered":"<div class=\"fancybox\"><ul>\n<li style=\"text-align: justify;\">Ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111ang chuy\u1ec3n \u0111\u1ed5i v\u00e0 ph\u00e1t tri\u1ec3n, v\u1edbi <em>b\u1ea3o hi\u1ec3m nh\u00fang<\/em> cung c\u1ea5p ph\u1ea1m vi b\u1ea3o hi\u1ec3m ti\u1ec7n l\u1ee3i c\u00f3 th\u1ec3 chi\u1ebfm t\u1edbi m\u1ed9t ph\u1ea7n ba t\u1ed5ng s\u1ed1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m v\u00e0o n\u0103m 2028.<\/li>\n<li style=\"text-align: justify;\">Ng\u00e0nh b\u1ea3o hi\u1ec3m &#8211; m\u1ed9t ng\u00e0nh mang l\u1ea1i ni\u1ec1m tin cho ng\u01b0\u1eddi d\u00f9ng, song nghi\u00ean c\u1ee9u cho th\u1ea5y th\u1ebf h\u1ec7 tr\u1ebb \u0111ang d\u1ea7n kh\u00f4ng tin t\u01b0\u1edfng v\u00e0o c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m.<\/li>\n<li style=\"text-align: justify;\">Th\u1eed th\u00e1ch th\u1ef1c s\u1ef1 kh\u00f4ng ph\u1ea3i l\u00e0 t\u0103ng tr\u01b0\u1edfng, m\u00e0 l\u00e0 li\u1ec7u c\u00e1c m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m m\u1edbi c\u00f3 th\u1ec3 thu h\u1eb9p \u201ckho\u1ea3ng c\u00e1ch b\u1ea3o v\u1ec7\u201d v\u00e0 gi\u00e0nh l\u1ea1i ni\u1ec1m tin \u0111\u00e3 m\u1ea5t t\u1eeb th\u1ebf h\u1ec7 tr\u1ebb hay kh\u00f4ng.<\/li>\n<\/ul>\n<p style=\"text-align: justify;\">M\u1ed7i n\u0103m, ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m chi h\u00e0ng t\u1ef7 ti\u1ec1n ph\u00ed b\u1ea3o hi\u1ec3m, c\u1ea7u mong r\u1eb1ng h\u1ecd s\u1ebd kh\u00f4ng bao gi\u1edd ph\u1ea3i y\u00eau c\u1ea7u chi tr\u1ea3 v\u00e0 khi \u0111i\u1ec1u \u0111\u00f3 x\u1ea3y ra, h\u1ecd th\u01b0\u1eddng b\u1ecb b\u1ed1i r\u1ed1i b\u1edfi c\u00e1c \u0111i\u1ec1u kho\u1ea3n chi ti\u1ebft kh\u00f3 hi\u1ec3u.<\/p>\n<p style=\"text-align: justify;\">M\u1ed9t ng\u00e0nh \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf \u0111\u1ec3 b\u1ea3o v\u1ec7 con ng\u01b0\u1eddi l\u1ea1i nh\u1ea5n ch\u00ecm h\u1ecd trong bi\u1ec3n ph\u00e1p l\u00fd ph\u1ee9c t\u1ea1p, c\u00e1c \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb (t\u1eeb ch\u1ed1i chi b\u1ea3o hi\u1ec3m) \u0111\u01b0\u1ee3c kh\u00e9o l\u00e9o \u1ea9n \u0111i v\u00e0 \u0111\u1ed9ng c\u01a1 \u01b0u ti\u00ean l\u1ee3i nhu\u1eadn. Ng\u00e0nh b\u1ea3o hi\u1ec3m d\u01b0\u1eddng nh\u01b0 \u0111\u01b0\u1ee3c x\u00e2y d\u1ef1ng \u0111\u1ec3 b\u1ea3o v\u1ec7 b\u1ea3ng c\u00e2n \u0111\u1ed1i k\u1ebf to\u00e1n (h\u01b0\u1edbng \u0111\u1ebfn l\u1ee3i nhu\u1eadn) nhi\u1ec1u h\u01a1n l\u00e0 con ng\u01b0\u1eddi &#8211; \u0111\u1ed1i t\u01b0\u1ee3ng m\u00e0 ng\u00e0nh h\u1ee9a s\u1ebd b\u1ea3o v\u1ec7. H\u01a1n n\u1eefa, cho \u0111\u1ebfn nay, \u0111\u00e3 nhi\u1ec1u th\u1eadp k\u1ef7 tr\u00f4i qua nh\u01b0ng ng\u00e0nh b\u1ea3o hi\u1ec3m v\u1eabn c\u00f2n thi\u1ebfu m\u1ed9t s\u1ef1 \u0111\u1ed5i m\u1edbi \u01b0u ti\u00ean \u201ckh\u00e1ch h\u00e0ng l\u00e0 tr\u00ean h\u1ebft\u201d ho\u1eb7c m\u1ed9t s\u1ef1 chuy\u1ec3n \u0111\u1ed5i mang t\u00ednh th\u1ef1c ch\u1ea5t.<\/p>\n<p style=\"text-align: justify;\">T\u00e2m \u0111i\u1ec3m c\u1ee7a s\u1ef1 thay \u0111\u1ed5i n\u00e0y l\u00e0 m\u1ed9t kh\u00e1i ni\u1ec7m th\u01b0\u1eddng \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 <em>\u201cb\u1ea3o hi\u1ec3m nh\u00fang\u201d<\/em>. Thay v\u00ec bu\u1ed9c ng\u01b0\u1eddi d\u00f9ng ph\u1ea3i \u0111i qua nhi\u1ec1u b\u01b0\u1edbc v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m ho\u1eb7c m\u00f4i gi\u1edbi, b\u1ea3o hi\u1ec3m nh\u00fang t\u00edch h\u1ee3p b\u1ea3o hi\u1ec3m tr\u1ef1c ti\u1ebfp v\u00e0o c\u00e1c s\u1ea3n ph\u1ea9m v\u00e0 d\u1ecbch v\u1ee5 m\u00e0 ng\u01b0\u1eddi d\u00f9ng \u0111\u00e3 s\u1eed d\u1ee5ng.<\/p>\n<p style=\"text-align: justify;\">Theo Boston Consulting Group, b\u1ea3o hi\u1ec3m nh\u00fang \u0111\u01b0\u1ee3c d\u1ef1 \u0111o\u00e1n s\u1ebd t\u0103ng t\u1eeb 13 t\u1ef7 \u0111\u00f4 la l\u00ean h\u01a1n 70 t\u1ef7 \u0111\u00f4 la, v\u1ec1 t\u1ed5ng ph\u00ed b\u1ea3o hi\u1ec3m ghi nh\u1eadn v\u00e0o n\u0103m 2030. \u0110\u00e2y kh\u00f4ng ph\u1ea3i l\u00e0 t\u0103ng tr\u01b0\u1edfng nh\u1ecf l\u1ebb, m\u00e0 l\u00e0 m\u1ed9t s\u1ef1 t\u00e1i \u0111\u1ecbnh h\u00ecnh c\u1ee7a to\u00e0n ng\u00e0nh b\u1ea3o hi\u1ec3m.<\/p>\n<figure id=\"attachment_4006\" aria-describedby=\"caption-attachment-4006\" style=\"width: 669px\" class=\"wp-caption alignnone\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-4006\" src=\"https:\/\/c4ir.vn\/wp-content\/uploads\/2025\/07\/gmMiZKF-MhtqWHQKqypfyN1FCz09rmlWAM4cpupTdM.webp\" alt=\"C\u00f4ng ngh\u1ec7 c\u00f3 th\u1ec3 gi\u00fap ng\u00e0nh b\u1ea3o hi\u1ec3m gi\u00e0nh l\u1ea1i ni\u1ec1m tin\" width=\"669\" height=\"348\" title=\"\" srcset=\"https:\/\/c4ir.vn\/wp-content\/uploads\/2025\/07\/gmMiZKF-MhtqWHQKqypfyN1FCz09rmlWAM4cpupTdM.webp 669w, https:\/\/c4ir.vn\/wp-content\/uploads\/2025\/07\/gmMiZKF-MhtqWHQKqypfyN1FCz09rmlWAM4cpupTdM-300x156.webp 300w, https:\/\/c4ir.vn\/wp-content\/uploads\/2025\/07\/gmMiZKF-MhtqWHQKqypfyN1FCz09rmlWAM4cpupTdM-150x78.webp 150w\" sizes=\"auto, (max-width: 669px) 100vw, 669px\" \/><figcaption id=\"caption-attachment-4006\" class=\"wp-caption-text\">H\u00ecnh \u1ea3nh: Grand View Research<\/figcaption><\/figure>\n<p><strong>C\u00e1ch b\u1ea3o hi\u1ec3m nh\u00fang ho\u1ea1t \u0111\u1ed9ng trong th\u1ef1c t\u1ebf<\/strong><\/p>\n<p style=\"text-align: justify;\">Nhi\u1ec1u c\u00f4ng ty, bao g\u1ed3m c\u1ea3 c\u00e1c th\u01b0\u01a1ng hi\u1ec7u n\u1ed5i ti\u1ebfng, \u0111ang l\u00e0m cho s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m c\u1ee7a h\u1ecd d\u1ec5 ti\u1ebfp c\u1eadn h\u01a1n v\u00e0 t\u00edch h\u1ee3p v\u00e0o h\u00e0nh tr\u00ecnh mua h\u00e0ng.<\/p>\n<p style=\"text-align: justify;\">AirCover c\u1ee7a Airbnb t\u1ef1 \u0111\u1ed9ng cung c\u1ea5p cho ch\u1ee7 nh\u00e0 t\u1ed1i \u0111a 3 tri\u1ec7u \u0111\u00f4 la b\u1ea3o hi\u1ec3m tr\u00e1ch nhi\u1ec7m v\u00e0 thi\u1ec7t h\u1ea1i cho m\u1ed7i l\u1ea7n \u0111\u1eb7t ph\u00f2ng. N\u00f3 \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p v\u00e0o quy tr\u00ecnh \u0111\u1eb7t ch\u1ed7, kh\u00f4ng c\u1ea7n \u0111\u0103ng k\u00fd th\u00eam ho\u1eb7c h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m ri\u00eang bi\u1ec7t.<\/p>\n<p style=\"text-align: justify;\">Wanda c\u1ee7a Avios l\u00e0 b\u1ea3o hi\u1ec3m du l\u1ecbch m\u00e0 ng\u01b0\u1eddi \u0111i du l\u1ecbch c\u00f3 th\u1ec3 th\u00eam v\u00e0o m\u1ed9t c\u00e1ch li\u1ec1n m\u1ea1ch t\u1ea1i b\u01b0\u1edbc thanh to\u00e1n khi \u0111\u1eb7t chuy\u1ebfn bay ho\u1eb7c kh\u00e1ch s\u1ea1n. N\u00f3 \u0111\u01b0\u1ee3c t\u00edch h\u1ee3p ho\u00e0n to\u00e0n v\u00e0o h\u00e0nh tr\u00ecnh \u0111\u1eb7t v\u00e9 v\u00e0 c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c qu\u1ea3n l\u00fd d\u1ec5 d\u00e0ng qua \u1ee9ng d\u1ee5ng Wanda, bi\u1ebfn vi\u1ec7c b\u1ea3o v\u1ec7 (b\u1ea3o hi\u1ec3m) th\u00e0nh m\u1ed9t ph\u1ea7n c\u1ee7a tr\u1ea3i nghi\u1ec7m du l\u1ecbch thay v\u00ec v\u1ea5n \u0111\u1ec1 \u0111\u01b0\u1ee3c t\u00ednh \u0111\u1ebfn sau c\u00f9ng c\u1ee7a chuy\u1ebfn \u0111i.<\/p>\n<p style=\"text-align: justify;\">AppleCare c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng khi b\u1ea1n mua iPhone, Mac ho\u1eb7c iPad tr\u1ef1c tuy\u1ebfn ho\u1eb7c t\u1ea1i c\u1eeda h\u00e0ng. \u0110\u00e2y l\u00e0 b\u1ea3o hi\u1ec3m thi\u1ebft b\u1ecb nh\u00fang bao g\u1ed3m thi\u1ec7t h\u1ea1i do tai n\u1ea1n, s\u1eeda ch\u1eefa v\u00e0 th\u1eadm ch\u00ed tr\u1ed9m c\u1eafp ho\u1eb7c m\u1ea5t m\u00e1t (\u1edf m\u1ed9t s\u1ed1 khu v\u1ef1c).<\/p>\n<p style=\"text-align: justify;\">\u201cCu\u1ed1i c\u00f9ng, c\u00e2u h\u1ecfi \u0111\u1eb7t ra kh\u00f4ng ph\u1ea3i l\u00e0 li\u1ec7u b\u1ea3o hi\u1ec3m nh\u00fang c\u00f3 t\u0103ng tr\u01b0\u1edfng hay kh\u00f4ng, m\u00e0 l\u00e0 li\u1ec7u n\u00f3 c\u00f3 th\u1ec3 s\u1eeda ch\u1eefa nh\u1eefng g\u00ec \u0111\u00e3 b\u1ecb h\u1ecfng (c\u1ee7a ng\u00e0nh t\u00e0i ch\u00ednh) hay kh\u00f4ng.\u201d<\/p>\n<p><strong>T\u1ea1i sao b\u1ea3o hi\u1ec3m nh\u00fang \u0111ang gia t\u0103ng<\/strong><\/p>\n<p style=\"text-align: justify;\">L\u00fd do b\u1ea3o hi\u1ec3m nh\u00fang xu\u1ea5t hi\u1ec7n v\u00e0o th\u1eddi \u0111i\u1ec3m n\u00e0y c\u00f3 th\u1ec3 \u0111\u01b0\u1ee3c l\u00fd gi\u1ea3i b\u1eb1ng m\u1ed9t th\u1ef1c t\u1ebf kh\u00f4ng th\u1ec3 tr\u00e1nh kh\u1ecfi: th\u1ebf gi\u1edbi \u0111ang tr\u1ea3i qua m\u1ed9t \u201ckho\u1ea3ng c\u00e1ch b\u1ea3o v\u1ec7\u201d ng\u00e0y c\u00e0ng l\u1edbn, t\u1ee9c l\u00e0 kho\u1ea3ng c\u00e1ch gi\u1eefa ph\u1ea1m vi b\u1ea3o hi\u1ec3m m\u1ecdi ng\u01b0\u1eddi c\u00f3 v\u00e0 nh\u1eefng g\u00ec h\u1ecd th\u1ef1c s\u1ef1 c\u1ea7n.<\/p>\n<p style=\"text-align: justify;\">Theo Fintech Ventures, t\u1eeb n\u0103m 2000 \u0111\u1ebfn 2020, kho\u1ea3ng c\u00e1ch n\u00e0y \u0111\u00e3 t\u0103ng g\u1ea5p \u0111\u00f4i, do \u0111\u00f4 th\u1ecb h\u00f3a, c\u00e1c c\u00fa s\u1ed1c kh\u00ed h\u1eadu v\u00e0 s\u1ef1 thi\u1ebfu \u0111\u1ed5i m\u1edbi th\u1ef1c ch\u1ea5t k\u00e9o d\u00e0i. H\u00e0ng tri\u1ec7u ng\u01b0\u1eddi gi\u1edd \u0111\u00e2y b\u1ecb thi\u1ebfu b\u1ea3o v\u1ec7 ho\u1eb7c \u0111ang tr\u1ea3 ph\u00ed qu\u00e1 cao cho nh\u1eefng ch\u00ednh s\u00e1ch m\u00e0 h\u1ecd th\u1eadm ch\u00ed kh\u00f4ng hi\u1ec3u.<\/p>\n<p style=\"text-align: justify;\">\u0110i\u1ec1u \u0111\u00e1ng lo ng\u1ea1i l\u00e0 b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng \u0111ang th\u1ea5t b\u1ea1i trong vi\u1ec7c thu h\u00fat ch\u00ednh nh\u1eefng ng\u01b0\u1eddi m\u00e0 h\u1ecd c\u1ea7n nh\u1ea5t \u2013 c\u00e1c th\u1ebf h\u1ec7 tr\u1ebb.<\/p>\n<p style=\"text-align: justify;\">M\u1ed9t nghi\u00ean c\u1ee9u n\u0103m 2023 c\u1ee7a LIMRA cho th\u1ea5y ch\u1ec9 48% ng\u01b0\u1eddi thu\u1ed9c th\u1ebf h\u1ec7 Millennials v\u00e0 40% Gen Z s\u1edf h\u1eefu b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd \u2013 v\u00e0 g\u1ea7n m\u1ed9t n\u1eeda c\u1ea3m th\u1ea5y h\u1ecd kh\u00f4ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u1ea7y \u0111\u1ee7. Nhi\u1ec1u ng\u01b0\u1eddi tr\u1ebb cho bi\u1ebft chi ph\u00ed c\u1ea3m nh\u1eadn \u0111\u01b0\u1ee3c, s\u1ef1 thi\u1ebfu r\u00f5 r\u00e0ng v\u00e0 thi\u1ebfu tin t\u01b0\u1edfng l\u00e0 l\u00fd do h\u1ecd kh\u00f4ng mua. \u0110\u00e2y kh\u00f4ng ch\u1ec9 l\u00e0 v\u1ea5n \u0111\u1ec1 doanh s\u1ed1 ng\u00e0nh \u2013 m\u00e0 l\u00e0 m\u1ed9t cu\u1ed9c kh\u1ee7ng ho\u1ea3ng th\u1ebf h\u1ec7. N\u1ebfu l\u00e0n s\u00f3ng ti\u1ebfp theo r\u00fat lui, m\u00f4 h\u00ecnh b\u1ea3o hi\u1ec3m c\u00f3 th\u1ec3 s\u1ee5p \u0111\u1ed5.<\/p>\n<p><strong>\u0110i\u1ec1u g\u00ec s\u1ebd thu h\u1eb9p &#8216;kho\u1ea3ng c\u00e1ch b\u1ea3o v\u1ec7&#8217;<\/strong><\/p>\n<p style=\"text-align: justify;\">B\u1ea3o hi\u1ec3m nh\u00fang 2.0 c\u00f3 th\u1ec3 l\u00e0 c\u01a1 h\u1ed9i t\u1ed1t nh\u1ea5t \u0111\u1ec3 ng\u00e0nh b\u1ea3o hi\u1ec3m v\u1ef1c d\u1eady, nh\u01b0ng ch\u1ec9 nh\u00fang th\u00f4i l\u00e0 ch\u01b0a \u0111\u1ee7. Gi\u00e1 tr\u1ecb th\u1ef1c s\u1ef1 \u1edf \u0111\u00e2y l\u00e0 ni\u1ec1m tin. EY \u01b0\u1edbc t\u00ednh r\u1eb1ng v\u00e0o n\u0103m 2028, h\u01a1n 30% t\u1ed5ng giao d\u1ecbch b\u1ea3o hi\u1ec3m s\u1ebd di\u1ec5n ra th\u00f4ng qua c\u00e1c k\u00eanh nh\u00fang. Tuy nhi\u00ean, con s\u1ed1 \u0111\u00f3 s\u1ebd v\u00f4 ngh\u0129a n\u1ebfu ng\u01b0\u1eddi ti\u00eau d\u00f9ng kh\u00f4ng tin t\u01b0\u1edfng v\u00e0o nh\u1eefng g\u00ec h\u1ecd \u0111ang mua.<\/p>\n<p style=\"text-align: justify;\">\u0110\u00e2y l\u00e0 l\u00fac c\u00e1 nh\u00e2n h\u00f3a theo th\u1eddi gian th\u1ef1c, c\u00e1 nh\u00e2n h\u00f3a d\u1ef1a tr\u00ean d\u1eef li\u1ec7u, tr\u1edf th\u00e0nh y\u1ebfu t\u1ed1 thay \u0111\u1ed5i cu\u1ed9c ch\u01a1i \u2013 \u0111\u1eb7c bi\u1ec7t l\u00e0 \u0111\u1ed1i v\u1edbi th\u1ebf h\u1ec7 tr\u1ebb th\u00e0nh th\u1ea1o c\u00f4ng ngh\u1ec7, v\u1ed1n k\u1ef3 v\u1ecdng m\u1ecdi th\u1ee9 ph\u1ea3i \u0111\u01b0\u1ee3c \u0111i\u1ec1u ch\u1ec9nh theo h\u01b0\u1edbng c\u00e1 nh\u00e2n h\u00f3a v\u00e0 ngay l\u1eadp t\u1ee9c. D\u1eef li\u1ec7u t\u1ed1t h\u01a1n c\u00f3 th\u1ec3 t\u1ea1o ra b\u1ea3o hi\u1ec3m c\u00e1 nh\u00e2n h\u00f3a.<\/p>\n<p style=\"text-align: justify;\">Nghi\u00ean c\u1ee9u c\u1ee7a Accenture cho th\u1ea5y s\u00e1u trong m\u01b0\u1eddi ng\u01b0\u1eddi ti\u00eau d\u00f9ng s\u1eb5n s\u00e0ng chia s\u1ebb d\u1eef li\u1ec7u c\u00e1 nh\u00e2n quan tr\u1ecdng, n\u1ebfu \u0111i\u1ec1u \u0111\u00f3 \u0111\u1ed3ng ngh\u0129a v\u1edbi vi\u1ec7c c\u00f3 m\u1ee9c gi\u00e1 c\u00f4ng b\u1eb1ng h\u01a1n v\u00e0 ph\u1ea1m vi b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p h\u01a1n v\u1edbi cu\u1ed9c s\u1ed1ng c\u1ee7a h\u1ecd.<\/p>\n<p style=\"text-align: justify;\">Tuy nhi\u00ean, ni\u1ec1m tin kh\u00f4ng ch\u1ec9 d\u1ef1a v\u00e0o d\u1eef li\u1ec7u, m\u00e0 l\u00e0 d\u1ef1a v\u00e0o c\u00e1ch b\u1ea1n s\u1eed d\u1ee5ng n\u00f3. V\u00ed \u0111i\u1ec7n t\u1eed c\u00f3 th\u1ec3 gi\u00fap thu h\u1eb9p c\u00e1c l\u1ed7 h\u1ed5ng b\u1ea3o hi\u1ec3m. V\u00ed d\u1ee5, c\u00e1c n\u1ec1n t\u1ea3ng nh\u01b0 Rehuman \u0111\u01b0a th\u00f4ng tin b\u1ea3o hi\u1ec3m r\u00f5 r\u00e0ng, kh\u00f4ng bi\u1ec7t ng\u1eef \u0111\u1ebfn tay ng\u01b0\u1eddi d\u00f9ng th\u00f4ng qua AI t\u1ea1o sinh, gi\u00fap ng\u01b0\u1eddi mua b\u1ea3o hi\u1ec3m bi\u1ebft ch\u00ednh x\u00e1c h\u1ecd \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 nh\u1eefng g\u00ec v\u00e0 c\u00f2n thi\u1ebfu \u1edf \u0111\u00e2u.<\/p>\n<p style=\"text-align: justify;\">L\u1ee3i th\u1ebf th\u1ef1c s\u1ef1 c\u1ee7a b\u1ea3o hi\u1ec3m nh\u00fang n\u1eb1m \u1edf kh\u1ea3 n\u0103ng ph\u00e1t tri\u1ec3n m\u1ea1nh m\u1ebd th\u00f4ng qua s\u1ef1 h\u1ee3p t\u00e1c \u0111a ph\u01b0\u01a1ng, thay v\u00ec ho\u1ea1t \u0111\u1ed9ng \u0111\u01a1n l\u1ebb. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng mang \u0111\u1ebfn chuy\u00ean m\u00f4n v\u1ec1 th\u1ea9m \u0111\u1ecbnh r\u1ee7i ro; c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m (insurtech) \u0111\u00f3ng g\u00f3p b\u1eb1ng nh\u1eefng ti\u1ebfn b\u1ed9 c\u00f4ng ngh\u1ec7 ti\u00ean ti\u1ebfn; trong khi \u0111\u00f3, c\u00e1c th\u01b0\u01a1ng hi\u1ec7u ti\u00eau d\u00f9ng gi\u1eef vai tr\u00f2 l\u00e0 c\u1ea7u n\u1ed1i tin c\u1eady v\u1edbi ng\u01b0\u1eddi d\u00f9ng v\u00e0 s\u1edf h\u1eefu c\u00e1c \u0111i\u1ec3m ti\u1ebfp x\u00fac d\u1eef li\u1ec7u m\u00e0 c\u00e1c b\u00ean truy\u1ec1n th\u1ed1ng kh\u00f3 c\u00f3 th\u1ec3 \u0111\u1ea1t \u0111\u01b0\u1ee3c.<\/p>\n<p style=\"text-align: justify;\">Khi ph\u1ed1i h\u1ee3p hi\u1ec7u qu\u1ea3, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng ch\u1ec9 m\u1edf r\u1ed9ng \u0111\u01b0\u1ee3c m\u1ea1ng l\u01b0\u1edbi ti\u1ebfp c\u1eadn, m\u00e0 c\u00f2n c\u00f3 th\u1ec3 khai th\u00e1c nh\u1eefng hi\u1ec3u bi\u1ebft s\u00e2u s\u1eafc h\u01a1n v\u1ec1 ng\u01b0\u1eddi ti\u00eau d\u00f9ng v\u00e0 ph\u00e1t tri\u1ec3n c\u00e1c s\u1ea3n ph\u1ea9m ph\u00f9 h\u1ee3p h\u01a1n, d\u1ec5 d\u00e0ng t\u00edch h\u1ee3p v\u00e0o \u0111\u1eddi s\u1ed1ng h\u00e0ng ng\u00e0y c\u1ee7a kh\u00e1ch h\u00e0ng.<\/p>\n<p><strong>M\u1ee9c \u0111\u1ed9 quan tr\u1ecdng cao \u0111\u1ed1i v\u1edbi b\u1ea3o v\u1ec7<\/strong><\/p>\n<p style=\"text-align: justify;\">EY d\u1ef1 b\u00e1o r\u1eb1ng c\u00e1c h\u00ecnh th\u1ee9c b\u1ea3o hi\u1ec3m nh\u00fang s\u1ebd s\u1edbm chi\u1ebfm g\u1ea7n m\u1ed9t ph\u1ea7n ba to\u00e0n b\u1ed9 th\u1ecb tr\u01b0\u1eddng. Tuy v\u1eady, nh\u1eefng con s\u1ed1 n\u00e0y s\u1ebd kh\u00f4ng c\u00f2n \u00fd ngh\u0129a n\u1ebfu tr\u1ea3i nghi\u1ec7m th\u1ef1c t\u1ebf kh\u00f4ng mang l\u1ea1i gi\u00e1 tr\u1ecb th\u1eadt cho ng\u01b0\u1eddi d\u00f9ng.<\/p>\n<p style=\"text-align: justify;\">\u0110i\u1ec1u c\u1ea7n \u0111\u1eb7t ra kh\u00f4ng ph\u1ea3i l\u00e0 li\u1ec7u b\u1ea3o hi\u1ec3m nh\u00fang c\u00f3 ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n hay kh\u00f4ng, m\u00e0 l\u00e0 li\u1ec7u n\u00f3 c\u00f3 th\u1ec3 kh\u1eafc ph\u1ee5c nh\u1eefng \u0111i\u1ec3m y\u1ebfu c\u1ed1 h\u1eefu c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m hi\u1ec7n nay. Li\u1ec7u n\u00f3 c\u00f3 th\u1ec3 thu h\u1eb9p kho\u1ea3ng c\u00e1ch gi\u1eefa nhu c\u1ea7u \u0111\u01b0\u1ee3c b\u1ea3o v\u1ec7 v\u00e0 m\u1ee9c \u0111\u1ed9 b\u1ea3o hi\u1ec3m th\u1ef1c t\u1ebf? Li\u1ec7u n\u00f3 c\u00f3 th\u1ec3 khi\u1ebfn b\u1ea3o hi\u1ec3m tr\u1edf n\u00ean g\u1ea7n g\u0169i, d\u1ec5 hi\u1ec3u v\u00e0 \u0111\u00e1ng tin h\u01a1n? V\u00e0 quan tr\u1ecdng nh\u1ea5t, li\u1ec7u n\u00f3 c\u00f3 th\u1ec3 l\u1ea5y l\u1ea1i l\u00f2ng tin c\u1ee7a c\u1ea3 m\u1ed9t th\u1ebf h\u1ec7 \u0111\u00e3 quay l\u01b0ng v\u1edbi b\u1ea3o hi\u1ec3m?<\/p>\n<p style=\"text-align: justify;\">Th\u00e1ch th\u1ee9c \u0111\u1eb7t ra l\u00e0 r\u00f5 r\u00e0ng: ho\u1eb7c \u0111\u1ed5i m\u1edbi \u0111\u1ec3 t\u1ed3n t\u1ea1i, ho\u1eb7c d\u1ea7n b\u1ecb lo\u1ea1i b\u1ecf. M\u1ed9t l\u00e0n s\u00f3ng c\u00f4ng ngh\u1ec7 m\u1edbi \u0111ang n\u1eb1m trong tay ng\u01b0\u1eddi ti\u00eau d\u00f9ng. T\u01b0\u01a1ng lai c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m s\u1ebd thu\u1ed9c v\u1ec1 nh\u1eefng th\u01b0\u01a1ng hi\u1ec7u d\u00e1m minh b\u1ea1ch, d\u00e1m h\u1ee3p t\u00e1c c\u00f9ng c\u00e1c \u0111\u01a1n v\u1ecb s\u00e1ng t\u1ea1o, bi\u1ebft s\u1eed d\u1ee5ng d\u1eef li\u1ec7u m\u1ed9t c\u00e1ch c\u00f3 tr\u00e1ch nhi\u1ec7m v\u00e0 coi con ng\u01b0\u1eddi l\u00e0 trung t\u00e2m, thay v\u00ec ch\u1ec9 ch\u1ea1y theo l\u1ee3i nhu\u1eadn.<\/p>\n<p style=\"text-align: right;\">Theo <a href=\"https:\/\/www.weforum.org\/stories\/2025\/07\/insurance-trust-technology-embedded\/\" target=\"_blank\" rel=\"noopener\">WEF<\/a><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Ng\u00e0nh b\u1ea3o hi\u1ec3m \u0111ang chuy\u1ec3n \u0111\u1ed5i v\u00e0 ph\u00e1t tri\u1ec3n, v\u1edbi b\u1ea3o hi\u1ec3m nh\u00fang cung c\u1ea5p ph\u1ea1m vi b\u1ea3o hi\u1ec3m ti\u1ec7n l\u1ee3i c\u00f3 th\u1ec3 chi\u1ebfm t\u1edbi m\u1ed9t ph\u1ea7n ba t\u1ed5ng s\u1ed1 s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m v\u00e0o n\u0103m 2028. Ng\u00e0nh b\u1ea3o hi\u1ec3m &#8211; m\u1ed9t ng\u00e0nh mang l\u1ea1i ni\u1ec1m tin cho ng\u01b0\u1eddi d\u00f9ng, song nghi\u00ean c\u1ee9u cho th\u1ea5y [&hellip;]<\/p>\n","protected":false},"author":4,"featured_media":4010,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","td_post_video":[]},"categories":[106,112],"tags":[236,240,241,239],"class_list":["post-4005","post","type-post","status-publish","format-standard","has-post-thumbnail","category-knowledge-hub","category-headlines","tag-ai","tag-bao-hiem-nhung","tag-cong-nghe","tag-nganh-bao-hiem"],"_links":{"self":[{"href":"https:\/\/c4ir.vn\/en\/wp-json\/wp\/v2\/posts\/4005","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/c4ir.vn\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/c4ir.vn\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/c4ir.vn\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/c4ir.vn\/en\/wp-json\/wp\/v2\/comments?post=4005"}],"version-history":[{"count":0,"href":"https:\/\/c4ir.vn\/en\/wp-json\/wp\/v2\/posts\/4005\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/c4ir.vn\/en\/wp-json\/wp\/v2\/media\/4010"}],"wp:attachment":[{"href":"https:\/\/c4ir.vn\/en\/wp-json\/wp\/v2\/media?parent=4005"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/c4ir.vn\/en\/wp-json\/wp\/v2\/categories?post=4005"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/c4ir.vn\/en\/wp-json\/wp\/v2\/tags?post=4005"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}