{"id":14046,"date":"2025-10-27T13:28:00","date_gmt":"2025-10-27T06:28:00","guid":{"rendered":"https:\/\/luckydoor.vn\/fts-demo\/?post_type=article&#038;p=14046"},"modified":"2025-11-27T13:31:00","modified_gmt":"2025-11-27T06:31:00","slug":"cuoc-choi-moi-cua-bao-hiem-phi-nhan-tho","status":"publish","type":"article","link":"https:\/\/fts.com.vn\/en\/article\/cuoc-choi-moi-cua-bao-hiem-phi-nhan-tho\/","title":{"rendered":"Cu\u1ed9c ch\u01a1i m\u1edbi c\u1ee7a b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><em>(\u0110TCK)&nbsp;M\u1ea3ng b\u1ea3o hi\u1ec3m d\u01b0\u1eddng nh\u01b0 kh\u00f4ng c\u00f2n qu\u00e1 kh\u00f3 \u0111\u1ec3 kinh doanh khi h\u00e0ng lo\u1ea1t ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n \u0111\u1ec1u l\u00ean k\u1ebf ho\u1ea1ch b\u1ed5 sung mi\u1ebfng gh\u00e9p n\u00e0y.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Th\u00eam g\u01b0\u01a1ng m\u1eb7t m\u1edbi<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo s\u1ed1 li\u1ec7u t\u1ed5ng h\u1ee3p c\u1ee7a C\u1ee5c Qu\u1ea3n l\u00fd v\u00e0 Gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m, B\u1ed9 T\u00e0i ch\u00ednh, t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m g\u1ed1c c\u1ee7a th\u1ecb tr\u01b0\u1eddng phi nh\u00e2n th\u1ecd 6 th\u00e1ng \u0111\u1ea7u n\u0103m 2025 \u0111\u1ea1t 43.518 t\u1ef7 \u0111\u1ed3ng, t\u0103ng 11,38% so v\u1edbi c\u00f9ng k\u1ef3 n\u0103m ngo\u00e1i. D\u1eabn \u0111\u1ea7u th\u1ecb tr\u01b0\u1eddng v\u1ec1 doanh thu ph\u00ed g\u1ed1c l\u00e0 PVI, chi\u1ebfm th\u1ecb ph\u1ea7n 18,43%, v\u1edbi doanh thu \u01b0\u1edbc \u0111\u1ea1t 8.021 t\u1ef7 \u0111\u1ed3ng. Ti\u1ebfp \u0111\u1ebfn l\u00e0 B\u1ea3o Vi\u1ec7t, chi\u1ebfm th\u1ecb ph\u1ea7n 12,22%, v\u1edbi doanh thu \u01b0\u1edbc \u0111\u1ea1t 5.317 t\u1ef7 \u0111\u1ed3ng; B\u1ea3o Minh chi\u1ebfm th\u1ecb ph\u1ea7n 7,03%, v\u1edbi doanh thu \u01b0\u1edbc \u0111\u1ea1t 3.061 t\u1ef7 \u0111\u1ed3ng; MIC chi\u1ebfm th\u1ecb ph\u1ea7n 6,06%, v\u1edbi doanh thu \u01b0\u1edbc \u0111\u1ea1t 2.637 t\u1ef7 \u0111\u1ed3ng; BIC chi\u1ebfm th\u1ecb ph\u1ea7n 5,55%, v\u1edbi doanh thu \u01b0\u1edbc \u0111\u1ea1t 2.414 t\u1ef7 \u0111\u1ed3ng\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00f9 t\u1ed1c \u0111\u1ed9 t\u0103ng tr\u01b0\u1edfng v\u1eabn ch\u1ec9 dao \u0111\u1ed9ng quanh m\u1ee9c 10%\/n\u0103m nh\u01b0ng b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd l\u00e0 l\u0129nh v\u1ef1c c\u00f3 d\u01b0 \u0111\u1ecba ph\u00e1t tri\u1ec3n d\u00e0i h\u1ea1n khi t\u1ef7 l\u1ec7 th\u00e2m nh\u1eadp b\u1ea3o hi\u1ec3m m\u1edbi \u0111\u1ea1t kho\u1ea3ng 1% GDP \u2013 th\u1ea5p h\u01a1n nhi\u1ec1u so v\u1edbi m\u1ee9c trung b\u00ecnh 2,5 \u2013 3% c\u1ee7a c\u00e1c n\u01b0\u1edbc trong khu v\u1ef1c.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0110i\u1ec3m \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 h\u00e0nh lang ph\u00e1p l\u00fd ng\u00e0y c\u00e0ng r\u00f5 r\u00e0ng h\u01a1n, \u0111\u1eb7c bi\u1ec7t sau khi Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m 2025 v\u00e0 c\u00e1c ngh\u1ecb \u0111\u1ecbnh h\u01b0\u1edbng d\u1eabn Lu\u1eadt \u0111\u01b0\u1ee3c \u0111\u01b0a v\u00e0o tri\u1ec3n khai. Quy \u0111\u1ecbnh v\u1ec1 v\u1ed1n \u0111i\u1ec1u l\u1ec7 t\u1ed1i thi\u1ec3u, chu\u1ea9n qu\u1ea3n tr\u1ecb r\u1ee7i ro, y\u00eau c\u1ea7u v\u1ec1 n\u0103ng l\u1ef1c t\u00e0i ch\u00ednh\u2026 kh\u1eaft khe h\u01a1n gi\u00fap th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m tr\u1edf n\u00ean minh b\u1ea1ch, chuy\u00ean nghi\u1ec7p h\u01a1n. \u0110\u00e2y c\u0169ng l\u00e0 ti\u1ec1n \u0111\u1ec1 \u0111\u1ec3 c\u00e1c t\u1eadp \u0111o\u00e0n l\u1edbn v\u00e0 ng\u00e2n h\u00e0ng xem x\u00e9t tham gia l\u0129nh v\u1ef1c v\u1ed1n \u0111\u01b0\u1ee3c xem l\u00e0 ti\u1ec1m n\u0103ng v\u00e0 b\u1ec1n v\u1eefng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo th\u00f4ng tin c\u00f4ng b\u1ed1, Ng\u00e2n h\u00e0ng TMCP \u00c1 Ch\u00e2u (ACB) \u0111ang trong qu\u00e1 tr\u00ecnh xin ch\u1ea5p thu\u1eadn th\u00e0nh l\u1eadp C\u00f4ng ty B\u1ea3o hi\u1ec3m Phi nh\u00e2n th\u1ecd ACB Insurance. \u0110\u1ed9ng th\u00e1i n\u00e0y \u0111\u01b0\u1ee3c xem l\u00e0 b\u01b0\u1edbc \u0111i chi\u1ebfn l\u01b0\u1ee3c trong vi\u1ec7c ho\u00e0n thi\u1ec7n h\u1ec7 sinh th\u00e1i t\u00e0i ch\u00ednh c\u1ee7a ACB \u2013 bao g\u1ed3m ng\u00e2n h\u00e0ng, c\u00f4ng ty ch\u1ee9ng kho\u00e1n, c\u00f4ng ty cho thu\u00ea t\u00e0i ch\u00ednh, c\u00f4ng ty qu\u1ea3n l\u00fd n\u1ee3 v\u00e0 nay l\u00e0 b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tr\u01b0\u1edbc ACB, m\u1ed9t s\u1ed1 ng\u00e2n h\u00e0ng th\u01b0\u01a1ng m\u1ea1i \u0111\u00e3 tri\u1ec3n khai ho\u1eb7c \u0111ang l\u00ean k\u1ebf ho\u1ea1ch g\u00f3p v\u1ed1n, s\u1edf h\u1eefu c\u00f4ng ty b\u1ea3o hi\u1ec3m. C\u1ee5 th\u1ec3, th\u00e1ng 10\/2024, Techcombank \u0111\u00e3 ra m\u1eaft C\u00f4ng ty c\u1ed5 ph\u1ea7n B\u1ea3o hi\u1ec3m Phi nh\u00e2n th\u1ecd Techcom (TechcomInsurance). TechcomInsurance l\u00e0 doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd th\u1ee9 31 t\u1ea1i Vi\u1ec7t Nam, c\u00f3 v\u1ed1n \u0111i\u1ec1u l\u1ec7 500 t\u1ef7 \u0111\u1ed3ng. Hay VPBank th\u00e2u t\u00f3m B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd OPES \u0111\u1ec3 ch\u00ednh th\u1ee9c tr\u1edf th\u00e0nh ng\u00e2n h\u00e0ng m\u1eb9 c\u1ee7a c\u00f4ng ty n\u00e0y t\u1eeb n\u0103m 2022.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;Th\u1ef1c t\u1ebf, vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng tham gia th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd kh\u00f4ng ch\u1ec9 nh\u1eb1m b\u00e1n ch\u00e9o s\u1ea3n ph\u1ea9m, m\u00e0 c\u00f2n gi\u00fap ng\u00e2n h\u00e0ng \u0111a d\u1ea1ng h\u00f3a ngu\u1ed3n thu ngo\u00e0i l\u00e3i, \u0111\u1eb7c bi\u1ec7t trong b\u1ed1i c\u1ea3nh bi\u00ean l\u00e3i thu\u1ea7n (NIM) \u0111ang thu h\u1eb9p. \u0110\u00e2y l\u00e0 m\u00f4 h\u00ecnh nhi\u1ec1u ng\u00e2n h\u00e0ng trong khu v\u1ef1c \u0111\u00e3 \u00e1p d\u1ee5ng th\u00e0nh c\u00f4ng, \u0111i\u1ec3n h\u00ecnh nh\u01b0 Kasikornbank (Th\u00e1i Lan) hay DBS (Singapore).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00f9 ti\u1ec1m n\u0103ng l\u1edbn, nh\u01b0ng b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd Vi\u1ec7t Nam kh\u00f4ng c\u00f2n l\u00e0 m\u1ea3nh \u0111\u1ea5t d\u1ec5 khai ph\u00e1. Sau h\u01a1n 30 n\u0103m h\u00ecnh th\u00e0nh, th\u1ecb tr\u01b0\u1eddng n\u00e0y hi\u1ec7n v\u1eabn \u0111ang b\u1ecb chi ph\u1ed1i b\u1edfi nh\u00f3m doanh nghi\u1ec7p d\u1eabn \u0111\u1ea7u nh\u01b0 B\u1ea3o Vi\u1ec7t, PVI, PTI, B\u1ea3o Minh, MIC, PJICO\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Trong khi \u0111\u00f3, kh\u1ed1i doanh nghi\u1ec7p FDI (Allianz, Chubb, MSIG, Tokio Marine, DB Insurance, Liberty\u2026) \u0111ang gia t\u0103ng th\u1ecb ph\u1ea7n nh\u1edd \u01b0u th\u1ebf v\u1ec1 n\u0103ng l\u1ef1c t\u00e1i b\u1ea3o hi\u1ec3m, c\u00f4ng ngh\u1ec7 v\u00e0 qu\u1ea3n tr\u1ecb r\u1ee7i ro.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Theo s\u1ed1 li\u1ec7u t\u1eeb C\u1ee5c Qu\u1ea3n l\u00fd v\u00e0 gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m, 5 doanh nghi\u1ec7p l\u1edbn nh\u1ea5t \u0111ang chi\u1ebfm t\u1edbi 65% th\u1ecb ph\u1ea7n to\u00e0n ng\u00e0nh, khi\u1ebfn ph\u1ea7n c\u00f2n l\u1ea1i ph\u1ea3i c\u1ea1nh tranh kh\u1ed1c li\u1ec7t b\u1eb1ng gi\u00e1 ph\u00ed, ch\u00ednh s\u00e1ch hoa h\u1ed3ng v\u00e0 d\u1ecbch v\u1ee5. Trong b\u1ed1i c\u1ea3nh \u0111\u00f3, vi\u1ec7c c\u00e1c ng\u00e2n h\u00e0ng mu\u1ed1n gia nh\u1eadp th\u1ecb tr\u01b0\u1eddng \u0111\u1eb7t c\u00e2u h\u1ecfi: \u201cT\u00e2n binh\u201d n\u00e0y s\u1ebd c\u1ea1nh tranh b\u1eb1ng g\u00ec?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00e1c ng\u00e2n h\u00e0ng c\u00f3 th\u1ec3 t\u1eadn d\u1ee5ng m\u1ea1ng l\u01b0\u1edbi chi nh\u00e1nh, k\u00eanh ng\u00e2n h\u00e0ng s\u1ed1, c\u00f9ng h\u1ec7 sinh th\u00e1i kh\u00e1ch h\u00e0ng c\u00e1 nh\u00e2n v\u00e0 doanh nghi\u1ec7p nh\u1ecf \u0111\u1ec3 m\u1edf r\u1ed9ng nhanh \u2013 nh\u01b0 \u0111\u00e3 t\u1eebng th\u00e0nh c\u00f4ng v\u1edbi vi\u1ec7c ph\u00e1t tri\u1ec3n bancassurance trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd. Tuy nhi\u00ean, kh\u00e1c v\u1edbi b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, s\u1ea3n ph\u1ea9m phi nh\u00e2n th\u1ecd th\u01b0\u1eddng mang t\u00ednh th\u1eddi \u0111i\u1ec3m (mua h\u00e0ng n\u0103m, theo nhu c\u1ea7u ng\u1eafn h\u1ea1n), \u0111\u00f2i h\u1ecfi doanh nghi\u1ec7p ph\u1ea3i x\u00e2y d\u1ef1ng n\u0103ng l\u1ef1c th\u1ea9m \u0111\u1ecbnh r\u1ee7i ro v\u00e0 d\u1ecbch v\u1ee5 b\u1ed3i th\u01b0\u1eddng m\u1ea1nh \u0111\u1ec3 gi\u1eef ch\u00e2n kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ef1c t\u1ebf, vi\u1ec7c ng\u00e2n h\u00e0ng l\u1eadp c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng c\u00f2n xa l\u1ea1 tr\u00ean th\u1ebf gi\u1edbi. Nhi\u1ec1u t\u1eadp \u0111o\u00e0n t\u00e0i ch\u00ednh qu\u1ed1c t\u1ebf \u0111ang theo \u0111u\u1ed5i m\u00f4 h\u00ecnh \u201cfinancial conglomerate\u201d \u2013 n\u01a1i ng\u00e2n h\u00e0ng, b\u1ea3o hi\u1ec3m, ch\u1ee9ng kho\u00e1n v\u00e0 qu\u1ea3n l\u00fd qu\u1ef9 c\u00f9ng v\u1eadn h\u00e0nh trong m\u1ed9t h\u1ec7 sinh th\u00e1i t\u00edch h\u1ee3p.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;Vi\u1ec7c ACB c\u0169ng nh\u01b0 m\u1ed9t s\u1ed1 nh\u00e0 b\u0103ng kh\u00e1c mu\u1ed1n t\u1ef1 th\u00e0nh l\u1eadp c\u00f4ng ty b\u1ea3o hi\u1ec3m, thay v\u00ec h\u1ee3p t\u00e1c ph\u00e2n ph\u1ed1i \u0111\u1ed9c quy\u1ec1n nh\u01b0 tr\u01b0\u1edbc cho th\u1ea5y s\u1ef1 d\u1ecbch chuy\u1ec3n sang giai \u0111o\u1ea1n bancassurance m\u1edbi \u2013 n\u01a1i ng\u00e2n h\u00e0ng kh\u00f4ng ch\u1ec9 b\u00e1n b\u1ea3o hi\u1ec3m m\u00e0 tr\u1edf th\u00e0nh nh\u00e0 cung c\u1ea5p s\u1ea3n ph\u1ea9m. \u0110i\u1ec1u n\u00e0y h\u1ee9a h\u1eb9n t\u1ea1o ra s\u1ef1 c\u1ea1nh tranh tr\u1ef1c di\u1ec7n v\u1edbi c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m \u0111\u1ed9c l\u1eadp; \u0111\u1ed3ng th\u1eddi, bu\u1ed9c th\u1ecb tr\u01b0\u1eddng ph\u1ea3i thay \u0111\u1ed5i v\u1ec1 c\u00e1ch \u0111\u1ecbnh gi\u00e1, ph\u00e2n ph\u1ed1i v\u00e0 ch\u0103m s\u00f3c kh\u00e1ch h\u00e0ng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u00c1p l\u1ef1c chuy\u1ec3n \u0111\u1ed5i<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C\u00f9ng v\u1edbi l\u1ee3i th\u1ebf k\u00eanh ph\u00e2n ph\u1ed1i l\u00e0 m\u1ea1ng l\u01b0\u1edbi ng\u00e2n h\u00e0ng, s\u1ef1 gia nh\u1eadp c\u1ee7a c\u00e1c t\u1ed5 ch\u1ee9c t\u00e0i ch\u00ednh l\u1edbn nh\u01b0 ACB c\u0169ng s\u1ebd \u0111\u1ea9y nhanh ti\u1ebfn tr\u00ecnh chuy\u1ec3n \u0111\u1ed5i s\u1ed1 trong ng\u00e0nh b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd. C\u00e1c doanh nghi\u1ec7p truy\u1ec1n th\u1ed1ng v\u1ed1n quen v\u1edbi quy tr\u00ecnh th\u1ee7 c\u00f4ng, x\u1eed l\u00fd h\u1ed3 s\u01a1 ch\u1eadm gi\u1edd \u0111\u00e2y s\u1ebd ph\u1ea3i \u0111\u1ea7u t\u01b0 m\u1ea1nh h\u01a1n v\u00e0o h\u1ec7 th\u1ed1ng \u0111\u1ecbnh ph\u00ed t\u1ef1 \u0111\u1ed9ng, gi\u00e1m \u0111\u1ecbnh t\u1ed5n th\u1ea5t b\u1eb1ng AI v\u00e0 qu\u1ea3n l\u00fd r\u1ee7i ro theo th\u1eddi gian th\u1ef1c. Song song, m\u1ed9t cu\u1ed9c \u0111ua t\u00e1i \u0111\u1ecbnh v\u1ecb th\u01b0\u01a1ng hi\u1ec7u c\u0169ng s\u1ebd di\u1ec5n ra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u1eabu v\u1eady, \u0111\u1ec3 th\u00e0nh c\u00f4ng trong m\u1ea3ng b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd, c\u00e1c ng\u00e2n h\u00e0ng c\u0169ng s\u1ebd ph\u1ea3i \u0111\u1ed1i m\u1eb7t v\u1edbi h\u00e0ng lo\u1ea1t th\u00e1ch th\u1ee9c. Ch\u1eb3ng h\u1ea1n nh\u01b0 r\u1ee7i ro th\u1ea9m \u0111\u1ecbnh khi kh\u00f4ng c\u00f3 l\u1ecbch s\u1eed t\u1ed5n th\u1ea5t, thi\u1ebfu kinh nghi\u1ec7m gi\u00e1m \u0111\u1ecbnh, d\u1ec5 d\u1eabn \u0111\u1ebfn \u0111\u1ecbnh ph\u00ed sai ho\u1eb7c t\u1ef7 l\u1ec7 b\u1ed3i th\u01b0\u1eddng cao; qu\u1ea3n tr\u1ecb r\u1ee7i ro t\u00e1i b\u1ea3o hi\u1ec3m \u2013 trong b\u1ed1i c\u1ea3nh thi\u00ean tai, ch\u00e1y n\u1ed5, b\u00e3o l\u0169 di\u1ec5n bi\u1ebfn b\u1ea5t th\u01b0\u1eddng, n\u0103ng l\u1ef1c t\u00e1i b\u1ea3o hi\u1ec3m v\u00e0 d\u1ef1 ph\u00f2ng t\u1ed5n th\u1ea5t l\u00e0 y\u1ebfu t\u1ed1 s\u1ed1ng c\u00f2n; kh\u1ea3 n\u0103ng sinh l\u1eddi th\u1ea5p trong ng\u1eafn h\u1ea1n \u2013 th\u1ecb tr\u01b0\u1eddng phi nh\u00e2n th\u1ecd th\u01b0\u1eddng c\u00f3 t\u1ef7 l\u1ec7 k\u1ebft h\u1ee3p cao, nhi\u1ec1u n\u0103m m\u1edbi \u0111\u1ea1t \u0111i\u1ec3m h\u00f2a v\u1ed1n; c\u1ea1nh tranh nh\u00e2n s\u1ef1 \u2013 c\u00e1c doanh nghi\u1ec7p l\u1edbn \u0111ang h\u00fat m\u1ea1nh nh\u00e2n s\u1ef1 gi\u1ecfi, khi\u1ebfn vi\u1ec7c x\u00e2y d\u1ef1ng \u0111\u1ed9i ng\u0169 cho c\u00f4ng ty m\u1edbi c\u00e0ng kh\u00f3 kh\u0103n.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd Vi\u1ec7t Nam th\u1ef1c t\u1ebf l\u00e0 th\u1ecb tr\u01b0\u1eddng c\u00f3 m\u1ee9c \u0111\u1ed9 c\u1ea1nh tranh r\u1ea5t kh\u1ed1c li\u1ec7t, n\u00ean vi\u1ec7c \u0111\u1ebfn v\u00e0 \u0111i v\u1edbi nhi\u1ec1u t\u1eadp \u0111o\u00e0n c\u00f3 ti\u1ec1m l\u1ef1c t\u00e0i ch\u00ednh m\u1ea1nh c\u0169ng kh\u00f4ng ph\u1ea3i ch\u01b0a di\u1ec5n ra. M\u1ed9t trong nh\u1eefng th\u01b0\u01a1ng v\u1ee5 \u0111\u00e1ng ch\u00fa \u00fd l\u00e0 vi\u1ec7c Liberty Mutual Insurance \u0111\u1ea1t th\u1ecfa thu\u1eadn chuy\u1ec3n nh\u01b0\u1ee3ng to\u00e0n b\u1ed9 ho\u1ea1t \u0111\u1ed9ng t\u1ea1i Th\u00e1i Lan v\u00e0 Vi\u1ec7t Nam cho Chubb Limited. Th\u01b0\u01a1ng v\u1ee5 d\u1ef1 ki\u1ebfn ho\u00e0n t\u1ea5t trong n\u0103m 2026. \u0110\u00e2y l\u00e0 b\u01b0\u1edbc \u0111i chi\u1ebfn l\u01b0\u1ee3c nh\u1eb1m t\u00e1i c\u01a1 c\u1ea5u danh m\u1ee5c \u0111\u1ea7u t\u01b0, gi\u00fap Liberty t\u1eadp trung v\u00e0o c\u00e1c th\u1ecb tr\u01b0\u1eddng tr\u1ecdng \u0111i\u1ec3m nh\u01b0 \u00dac, Trung Qu\u1ed1c, Malaysia, H\u1ed3ng K\u00f4ng, Singapore v\u00e0 \u1ea4n \u0110\u1ed9. Liberty t\u1eebng l\u00e0 th\u01b0\u01a1ng hi\u1ec7u b\u1ea3o hi\u1ec3m \u0111\u00ecnh \u0111\u00e1m t\u1ea1i th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd Vi\u1ec7t Nam, \u0111\u1eb7c bi\u1ec7t trong m\u1ea3ng b\u1ea3o hi\u1ec3m xe c\u01a1 gi\u1edbi, s\u1ee9c kh\u1ecfe v\u00e0 b\u1ea3o hi\u1ec3m du l\u1ecbch\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Song song v\u1edbi s\u1ef1 d\u1ecbch chuy\u1ec3n c\u1ee7a c\u00e1c t\u1eadp \u0111o\u00e0n b\u1ea3o hi\u1ec3m qu\u1ed1c t\u1ebf, th\u1ecb tr\u01b0\u1eddng trong n\u01b0\u1edbc c\u0169ng ch\u1ee9ng ki\u1ebfn s\u1ef1 n\u1ed5i l\u00ean c\u1ee7a c\u00e1c c\u00f4ng ty c\u00f4ng ngh\u1ec7 b\u1ea3o hi\u1ec3m (insurtech). Igloo \u2013 startup b\u1ea3o hi\u1ec3m s\u1ed1 c\u00f3 tr\u1ee5 s\u1edf t\u1ea1i Singapore \u2013 v\u1eeba b\u1ed5 nhi\u1ec7m b\u00e0 \u0110\u00e0o H\u1ed3ng H\u1ea1nh l\u00e0m T\u1ed5ng gi\u00e1m \u0111\u1ed1c Igloo Vi\u1ec7t Nam, v\u1edbi nhi\u1ec7m v\u1ee5 m\u1edf r\u1ed9ng m\u1ea1ng l\u01b0\u1edbi ph\u00e2n ph\u1ed1i b\u1ea3o hi\u1ec3m th\u00f4ng qua n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7, t\u00edch h\u1ee3p s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m v\u00e0o c\u00e1c giao d\u1ecbch th\u01b0\u01a1ng m\u1ea1i \u0111i\u1ec7n t\u1eed v\u00e0 b\u00e1n l\u1ebb. Igloo hi\u1ec7n h\u1ee3p t\u00e1c v\u1edbi nhi\u1ec1u th\u01b0\u01a1ng hi\u1ec7u l\u1edbn nh\u01b0 Shopee, Mobifone, Circle K v\u00e0 c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m h\u00e0ng \u0111\u1ea7u nh\u01b0 ABIC, PVI, B\u1ea3o Vi\u1ec7t, MSIG\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;Nh\u1eefng chuy\u1ec3n \u0111\u1ed9ng n\u00e0y cho th\u1ea5y th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam \u0111ang t\u00e1i \u0111\u1ecbnh h\u00ecnh theo h\u01b0\u1edbng hi\u1ec7n \u0111\u1ea1i, linh ho\u1ea1t. S\u1ef1 k\u1ebft h\u1ee3p gi\u1eefa c\u00f4ng ngh\u1ec7 v\u00e0 chi\u1ebfn l\u01b0\u1ee3c \u0111\u1ea7u t\u01b0 m\u1edbi h\u1ee9a h\u1eb9n t\u1ea1o ra m\u1ed9t h\u1ec7 sinh th\u00e1i b\u1ea3o hi\u1ec3m s\u1ed1 to\u00e0n di\u1ec7n, minh b\u1ea1ch v\u00e0 b\u1ec1n v\u1eefng.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">T\u1ea5t nhi\u00ean, s\u1ef1 xu\u1ea5t hi\u1ec7n ng\u00e0y c\u00e0ng nhi\u1ec1u c\u1ee7a c\u00e1c ng\u00e2n h\u00e0ng trong l\u0129nh v\u1ef1c b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd c\u00f3 th\u1ec3 xem l\u00e0 t\u00edn hi\u1ec7u m\u1edf \u0111\u1ea7u cho m\u1ed9t chu k\u1ef3 c\u1ea1nh tranh v\u00e0 t\u00e1i c\u1ea5u tr\u00fac m\u1edbi. Sau giai \u0111o\u1ea1n s\u00e1p nh\u1eadp, gi\u1edd \u0111\u00e2y th\u1ecb tr\u01b0\u1eddng \u0111ang b\u01b0\u1edbc sang th\u1eddi k\u1ef3 m\u00e0 c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh n\u1ed9i \u0111\u1ecba ch\u1ee7 \u0111\u1ed9ng t\u00e1i l\u1eadp v\u1ecb th\u1ebf \u2013 kh\u00f4ng c\u00f2n ph\u1ee5 thu\u1ed9c ho\u00e0n to\u00e0n v\u00e0o \u0111\u1ed1i t\u00e1c n\u01b0\u1edbc ngo\u00e0i.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ngu\u1ed3n:&nbsp;<a href=\"https:\/\/www.tinnhanhchungkhoan.vn\/cuoc-choi-moi-cua-bao-hiem-phi-nhan-tho-post379287.html\">https:\/\/www.tinnhanhchungkhoan.vn\/cuoc-choi-moi-cua-bao-hiem-phi-nhan-tho-post379287.html<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>(\u0110TCK)&nbsp;M\u1ea3ng b\u1ea3o hi\u1ec3m d\u01b0\u1eddng nh\u01b0 kh\u00f4ng c\u00f2n qu\u00e1 kh\u00f3 \u0111\u1ec3 kinh doanh khi h\u00e0ng lo\u1ea1t ng\u00e2n h\u00e0ng t\u01b0 nh\u00e2n \u0111\u1ec1u l\u00ean k\u1ebf ho\u1ea1ch b\u1ed5 sung mi\u1ebfng gh\u00e9p n\u00e0y. Th\u00eam g\u01b0\u01a1ng m\u1eb7t m\u1edbi Theo s\u1ed1 li\u1ec7u t\u1ed5ng h\u1ee3p c\u1ee7a C\u1ee5c Qu\u1ea3n l\u00fd v\u00e0 Gi\u00e1m s\u00e1t b\u1ea3o hi\u1ec3m, B\u1ed9 T\u00e0i ch\u00ednh, t\u1ed5ng doanh thu ph\u00ed b\u1ea3o hi\u1ec3m [&hellip;]<\/p>\n","protected":false},"featured_media":14047,"template":"","article_category":[14],"class_list":["post-14046","article","type-article","status-publish","has-post-thumbnail","hentry","article_category-bao-hiem-phi-nhan-tho"],"_links":{"self":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/article\/14046","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/article"}],"about":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/types\/article"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/media\/14047"}],"wp:attachment":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/media?parent=14046"}],"wp:term":[{"taxonomy":"article_category","embeddable":true,"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/article_category?post=14046"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}