{"id":685,"date":"2026-09-03T10:05:23","date_gmt":"2026-09-03T10:05:23","guid":{"rendered":"https:\/\/www.affina.com.vn\/ai\/?p=685"},"modified":"2026-09-03T10:05:24","modified_gmt":"2026-09-03T10:05:24","slug":"quyen-tu-quyet-trong-quan-tri-rui-ro-khi-khach-hang-lam-chu-luat-choi-nganh-bao-hiem","status":"publish","type":"post","link":"https:\/\/www.affina.com.vn\/ai\/quyen-tu-quyet-trong-quan-tri-rui-ro-khi-khach-hang-lam-chu-luat-choi-nganh-bao-hiem\/","title":{"rendered":"Quy\u1ec1n T\u1ef1 Quy\u1ebft Trong Qu\u1ea3n Tr\u1ecb R\u1ee7i Ro: Khi Kh\u00e1ch H\u00e0ng L\u00e0m Ch\u1ee7 &#8220;Lu\u1eadt Ch\u01a1i&#8221; Ng\u00e0nh B\u1ea3o Hi\u1ec3m"},"content":{"rendered":"\n<p>Tr\u01b0\u1edbc \u0111\u00e2y, khi nh\u1eafc \u0111\u1ebfn b\u1ea3o hi\u1ec3m, \u0111a s\u1ed1 ng\u01b0\u1eddi d\u00f9ng th\u01b0\u1eddng ti\u1ebfp c\u1eadn qua l\u0103ng k\u00ednh c\u1ee7a s\u1ef1 lo \u00e2u. C\u00e1c quy\u1ebft \u0111\u1ecbnh mua th\u01b0\u1eddng xu\u1ea5t ph\u00e1t t\u1eeb t\u00e2m l\u00fd &#8220;ph\u00f2ng h\u1edd&#8221; ho\u1eb7c s\u1ee3 h\u00e3i khi r\u1ee7i ro b\u1ea5t ng\u1edd \u1eadp \u0111\u1ebfn. Tuy nhi\u00ean, th\u1ecb tr\u01b0\u1eddng \u0111ang ch\u1ee9ng ki\u1ebfn m\u1ed9t s\u1ef1 chuy\u1ec3n d\u1ecbch m\u1ea1nh m\u1ebd trong t\u01b0 duy ti\u00eau d\u00f9ng. B\u1ea3o hi\u1ec3m gi\u1edd \u0111\u00e2y kh\u00f4ng c\u00f2n l\u00e0 m\u1ed9t kho\u1ea3n chi ph\u00ed th\u1ee5 \u0111\u1ed9ng, m\u00e0 \u0111\u00e3 tr\u1edf th\u00e0nh m\u1ed9t c\u00f4ng c\u1ee5 ch\u1ee7 \u0111\u1ed9ng mang t\u00ednh chi\u1ebfn l\u01b0\u1ee3c.<\/p>\n\n\n\n<p>S\u1ef1 thay \u0111\u1ed5i n\u00e0y \u0111\u1ebfn t\u1eeb \u0111\u00e2u, v\u00e0 c\u00e1c doanh nghi\u1ec7p InsurTech c\u1ea7n l\u00e0m g\u00ec \u0111\u1ec3 \u0111\u00e1p \u1ee9ng k\u1ef3 v\u1ecdng ng\u00e0y c\u00e0ng kh\u1eaft khe c\u1ee7a ng\u01b0\u1eddi d\u00f9ng hi\u1ec7n \u0111\u1ea1i?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">S\u1ef1 D\u1ecbch Chuy\u1ec3n H\u00e0nh Vi C\u1ee7a Th\u1ebf H\u1ec7 Millennials v\u00e0 Gen Z<\/h2>\n\n\n\n<p>Hi\u1ec7n t\u1ea1i, \u0111\u1eb7c bi\u1ec7t l\u00e0 v\u1edbi th\u1ebf h\u1ec7 Millennials v\u00e0 Gen Z, c\u00e1c s\u1ea3n ph\u1ea9m t\u1eeb b\u1ea3o hi\u1ec3m s\u1ee9c kh\u1ecfe, tai n\u1ea1n cho \u0111\u1ebfn b\u1ea3o hi\u1ec3m nh\u00e0 t\u01b0 nh\u00e2n hay du l\u1ecbch \u0111ang d\u1ecbch chuy\u1ec3n th\u00e0nh m\u1ed9t h\u1ea1ng m\u1ee5c thi\u1ebft y\u1ebfu trong k\u1ebf ho\u1ea1ch qu\u1ea3n l\u00fd t\u00e0i ch\u00ednh c\u00e1 nh\u00e2n.<\/p>\n\n\n\n<p>Th\u1ebf h\u1ec7 ng\u01b0\u1eddi ti\u00eau d\u00f9ng tr\u1ebb ng\u00e0y nay \u0111\u01b0\u1ee3c ti\u1ebfp c\u1eadn v\u1edbi lu\u1ed3ng th\u00f4ng tin \u0111a chi\u1ec1u. H\u1ecd t\u1ef1 trang b\u1ecb ki\u1ebfn th\u1ee9c v\u1ec1 qu\u1ea3n tr\u1ecb r\u1ee7i ro v\u00e0 nh\u1eadn th\u1ee9c r\u00f5 r\u1eb1ng: B\u1ea3o v\u1ec7 b\u1ea3n th\u00e2n kh\u00f4ng ph\u1ea3i l\u00e0 lo s\u1ee3 t\u01b0\u01a1ng lai, m\u00e0 l\u00e0 s\u1ef1 chu\u1ea9n b\u1ecb th\u00f4ng minh \u0111\u1ec3 t\u1eadn h\u01b0\u1edfng cu\u1ed9c s\u1ed1ng tr\u1ecdn v\u1eb9n \u1edf hi\u1ec7n t\u1ea1i. Ng\u01b0\u1eddi d\u00f9ng hi\u1ec7n \u0111\u1ea1i kh\u00f4ng ch\u1ec9 \u0111\u01a1n thu\u1ea7n t\u00ecm ki\u1ebfm m\u1ed9t t\u1ea5m th\u1ebb chi tr\u1ea3 chi ph\u00ed y t\u1ebf; h\u1ecd \u0111\u00f2i h\u1ecfi nhi\u1ec1u h\u01a1n th\u1ebf.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">3 Gi\u00e1 Tr\u1ecb C\u1ed1t L\u00f5i Ng\u01b0\u1eddi D\u00f9ng Hi\u1ec7n \u0110\u1ea1i T\u00ecm Ki\u1ebfm \u1ede M\u1ed9t Gi\u1ea3i Ph\u00e1p B\u1ea3o Hi\u1ec3m<\/h2>\n\n\n\n<p>Thay v\u00ec th\u1ee5 \u0111\u1ed9ng nghe nh\u1eefng l\u1eddi t\u01b0 v\u1ea5n mang t\u00ednh th\u00fac \u00e9p hay mua b\u1ea3o hi\u1ec3m v\u00ec n\u1ec3 nang, kh\u00e1ch h\u00e0ng ng\u00e0y nay thi\u1ebft l\u1eadp nh\u1eefng ti\u00eau chu\u1ea9n m\u1edbi khi l\u1ef1a ch\u1ecdn d\u1ecbch v\u1ee5:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>S\u1ef1 minh b\u1ea1ch (Transparency):<\/strong> Th\u00f4ng tin v\u1ec1 quy\u1ec1n l\u1ee3i, \u0111i\u1ec1u kho\u1ea3n lo\u1ea1i tr\u1eeb v\u00e0 m\u1ee9c ph\u00ed c\u1ea7n \u0111\u01b0\u1ee3c tr\u00ecnh b\u00e0y r\u00f5 r\u00e0ng, d\u1ec5 hi\u1ec3u, x\u00f3a b\u1ecf \u0111\u1ecbnh ki\u1ebfn v\u1ec1 &#8220;nh\u1eefng d\u00f2ng ch\u1eef nh\u1ecf&#8221; trong h\u1ee3p \u0111\u1ed3ng.<\/li>\n\n\n\n<li><strong>T\u00ednh c\u00e1 nh\u00e2n h\u00f3a (Personalization):<\/strong> M\u1ed7i c\u00e1 nh\u00e2n c\u00f3 m\u1ed9t l\u1ed1i s\u1ed1ng, nhu c\u1ea7u v\u00e0 m\u1ee9c thu nh\u1eadp kh\u00e1c nhau. Gi\u1ea3i ph\u00e1p b\u1ea3o v\u1ec7 ph\u1ea3i \u0111\u01b0\u1ee3c &#8220;may \u0111o&#8221; linh ho\u1ea1t, v\u1eeba v\u1eb7n v\u1edbi d\u00f2ng ti\u1ec1n th\u1ef1c t\u1ebf c\u1ee7a t\u1eebng ng\u01b0\u1eddi.<\/li>\n\n\n\n<li><strong>Quy\u1ec1n t\u1ef1 quy\u1ebft (Self-determination):<\/strong> \u0110\u00e2y l\u00e0 y\u1ebfu t\u1ed1 quan tr\u1ecdng nh\u1ea5t. Kh\u00e1ch h\u00e0ng mu\u1ed1n t\u1ef1 do so s\u00e1nh, \u0111\u00e1nh gi\u00e1 v\u00e0 \u0111\u01b0a ra quy\u1ebft \u0111\u1ecbnh cu\u1ed1i c\u00f9ng d\u1ef1a tr\u00ean nh\u1eefng th\u00f4ng tin kh\u00e1ch quan nh\u1ea5t.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">C\u00f4ng Ngh\u1ec7 (InsurTech) G\u1ee1 R\u1ed1i B\u00e0i To\u00e1n Quy\u1ec1n T\u1ef1 Quy\u1ebft<\/h2>\n\n\n\n<p>\u0110\u1ec3 trao l\u1ea1i quy\u1ec1n l\u00e0m ch\u1ee7 cho ng\u01b0\u1eddi d\u00f9ng, c\u00f4ng ngh\u1ec7 (InsurTech) sinh ra ch\u00ednh l\u00e0 \u0111\u1ec3 gi\u1ea3i quy\u1ebft &#8220;kho\u1ea3ng tr\u1ed1ng&#8221; th\u00f4ng tin trong ng\u00e0nh b\u1ea3o hi\u1ec3m truy\u1ec1n th\u1ed1ng.<\/p>\n\n\n\n<p>C\u00e1c n\u1ec1n t\u1ea3ng s\u1ed1 hi\u1ec7n \u0111\u1ea1i gi\u00fap g\u1ee1 r\u1ed1i c\u00e1c \u0111i\u1ec1u kho\u1ea3n ph\u1ee9c t\u1ea1p, s\u1ed1 h\u00f3a quy tr\u00ecnh b\u1ed3i th\u01b0\u1eddng (claim) v\u00e0 cung c\u1ea5p c\u00e1c c\u00f4ng c\u1ee5 tra c\u1ee9u minh b\u1ea1ch. Nh\u1edd \u0111\u00f3, ng\u01b0\u1eddi d\u00f9ng c\u00f3 th\u1ec3 t\u1ef1 thi\u1ebft k\u1ebf g\u00f3i b\u1ea3o hi\u1ec3m, ki\u1ec3m tra m\u1ea1ng l\u01b0\u1edbi b\u1ea3o l\u00e3nh vi\u1ec7n ph\u00ed hay theo d\u00f5i l\u1ecbch s\u1eed b\u1ed3i th\u01b0\u1eddng ngay tr\u00ean chi\u1ebfc \u0111i\u1ec7n tho\u1ea1i th\u00f4ng minh c\u1ee7a m\u00ecnh.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tr\u1ea3i Nghi\u1ec7m Tr\u1ecdn V\u1eb9n: S\u1ef1 Giao Thoa Gi\u1eefa C\u00f4ng Ngh\u1ec7 V\u00e0 &#8220;Human Touch&#8221;<\/h2>\n\n\n\n<p>Tuy nhi\u00ean, n\u1ec1n t\u1ea3ng s\u1ed1 th\u00f4ng minh \u0111\u1ebfn \u0111\u00e2u c\u0169ng ch\u1ec9 l\u00e0 c\u00f4ng c\u1ee5 h\u1ed7 tr\u1ee3. M\u1ed9t h\u1ec7 th\u1ed1ng t\u1ef1 \u0111\u1ed9ng kh\u00f4ng th\u1ec3 thay th\u1ebf ho\u00e0n to\u00e0n s\u1ef1 th\u1ea5u c\u1ea3m c\u1ee7a con ng\u01b0\u1eddi.<\/p>\n\n\n\n<p>Tr\u1ea3i nghi\u1ec7m kh\u00e1ch h\u00e0ng tr\u1ecdn v\u1eb9n nh\u1ea5t ph\u1ea3i \u0111\u1ebfn t\u1eeb s\u1ef1 k\u1ebft h\u1ee3p h\u00e0i h\u00f2a gi\u1eefa <strong>c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i (Tech-enabled)<\/strong> v\u00e0 <strong>s\u1ef1 th\u1ea5u hi\u1ec3u gi\u1eefa con ng\u01b0\u1eddi v\u1edbi con ng\u01b0\u1eddi (Human touch)<\/strong>. Khi th\u00f4ng tin \u0111\u01b0\u1ee3c h\u1ec7 th\u1ed1ng cung c\u1ea5p m\u1ed9t c\u00e1ch minh b\u1ea1ch, k\u1ebft h\u1ee3p c\u00f9ng nh\u1eefng l\u1eddi khuy\u00ean trung th\u1ef1c, kh\u00e1ch quan v\u00e0 kh\u00f4ng thi\u00ean v\u1ecb t\u1eeb c\u00e1c chuy\u00ean gia t\u01b0 v\u1ea5n, ni\u1ec1m tin c\u1ee7a ng\u01b0\u1eddi d\u00f9ng s\u1ebd t\u1ef1 kh\u1eafc ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng.<\/p>\n\n\n\n<p>Ng\u01b0\u1eddi tr\u1ebb mu\u1ed1n l\u00e0m ch\u1ee7 quy\u1ebft \u0111\u1ecbnh c\u1ee7a m\u00ecnh, nh\u01b0ng h\u1ecd v\u1eabn c\u1ea7n nh\u1eefng ng\u01b0\u1eddi \u0111\u1ed3ng h\u00e0nh \u0111\u00e1ng tin c\u1eady \u0111\u1ec3 ch\u1ec9 d\u1eabn khi \u0111\u1ed1i m\u1eb7t v\u1edbi nh\u1eefng v\u1ea5n \u0111\u1ec1 s\u1ee9c kh\u1ecfe hay t\u00e0i ch\u00ednh ph\u1ee9c t\u1ea1p.<\/p>\n\n\n\n<p><strong>Theo b\u1ea1n, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00ean c\u00f3 nh\u1eefng c\u1ea3i ti\u1ebfn g\u00ec ti\u1ebfp theo \u0111\u1ec3 trao th\u00eam quy\u1ec1n t\u1ef1 quy\u1ebft cho \u0111\u1ed1i t\u01b0\u1ee3ng kh\u00e1ch h\u00e0ng tr\u1ebb?<\/strong><\/p>\n\n\n\n<p><em>Tr\u0103m vi\u1ec7c \u0111\u00e3 kh\u00f3, b\u1ea3o hi\u1ec3m c\u00f3 Affina lo.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kh\u00e1m ph\u00e1 s\u1ef1 d\u1ecbch chuy\u1ec3n h\u00e0nh vi c\u1ee7a Gen Z v\u00e0 Millennials trong ng\u00e0nh InsurTech t\u1ea1i Vi\u1ec7t Nam. T\u00ecm hi\u1ec3u l\u00fd do quy\u1ec1n t\u1ef1 quy\u1ebft, minh b\u1ea1ch v\u00e0 c\u00f4ng ngh\u1ec7 \u0111\u1ecbnh h\u00ecnh l\u1ea1i b\u1ea3o hi\u1ec3m.<\/p>\n","protected":false},"author":1,"featured_media":688,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genseo_seo_title":"","_genseo_meta_desc":"","_genseo_focus_keyword":"","_genseo_secondary_keywords":[],"_genseo_og_image":"","_genseo_og_image_id":0,"_genseo_schema_type":"Article","_genseo_canonical_url":"","_genseo_robots":"index","_genseo_source":"","_genseo_source_video":"","_genseo_search_intent":"","_genseo_word_count":0,"_genseo_reading_time":0,"_genseo_published_at":"","_genseo_kwplan_id":"","_genseo_kwplan_item_id":"","_genseo_rewritten_at":"","_genseo_rewrite_version":0,"_genseo_rewrite_source":"","_genseo_original_word_count":0,"footnotes":""},"categories":[1,436,476],"tags":[441,486,485,487,488,490,489],"class_list":["post-685","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bao-hiem-tai-chinh-ca-nhan","category-doanh-nghiep-phuc-loi","category-tai-chinh","tag-affina-viet-nam","tag-genz","tag-insurtech","tag-millenial","tag-quan-tri-rui-ro","tag-quyen-tu-quyet","tag-tai-chinh-ca-nhan"],"_links":{"self":[{"href":"https:\/\/www.affina.com.vn\/ai\/wp-json\/wp\/v2\/posts\/685","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.affina.com.vn\/ai\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.affina.com.vn\/ai\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.affina.com.vn\/ai\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.affina.com.vn\/ai\/wp-json\/wp\/v2\/comments?post=685"}],"version-history":[{"count":3,"href":"https:\/\/www.affina.com.vn\/ai\/wp-json\/wp\/v2\/posts\/685\/revisions"}],"predecessor-version":[{"id":689,"href":"https:\/\/www.affina.com.vn\/ai\/wp-json\/wp\/v2\/posts\/685\/revisions\/689"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.affina.com.vn\/ai\/wp-json\/wp\/v2\/media\/688"}],"wp:attachment":[{"href":"https:\/\/www.affina.com.vn\/ai\/wp-json\/wp\/v2\/media?parent=685"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.affina.com.vn\/ai\/wp-json\/wp\/v2\/categories?post=685"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.affina.com.vn\/ai\/wp-json\/wp\/v2\/tags?post=685"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}