{"id":14060,"date":"2025-02-27T13:47:00","date_gmt":"2025-02-27T06:47:00","guid":{"rendered":"https:\/\/luckydoor.vn\/fts-demo\/?post_type=article&p=14060"},"modified":"2025-11-27T13:51:09","modified_gmt":"2025-11-27T06:51:09","slug":"thi-truong-bao-hiem-viet-nam-bien-doi-tu-ben-trong","status":"publish","type":"article","link":"https:\/\/fts.com.vn\/en\/article\/thi-truong-bao-hiem-viet-nam-bien-doi-tu-ben-trong\/","title":{"rendered":"Th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam: Bi\u1ebfn \u0111\u1ed5i t\u1eeb b\u00ean trong"},"content":{"rendered":"\n

N\u0103m 2025 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 n\u0103m m\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam s\u1ebd c\u00f3 nh\u1eefng bi\u1ebfn \u0111\u1ed5i t\u1eeb b\u00ean trong, khi c\u1ea3 doanh nghi\u1ec7p v\u00e0 c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111ang n\u1ed7 l\u1ef1c t\u00ecm con \u0111\u01b0\u1eddng ri\u00eang bi\u1ec7t \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh m\u00ecnh.<\/em><\/p>\n\n\n\n

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T\u1ea7ng l\u1edbp trung l\u01b0u t\u1ea1i Vi\u1ec7t Nam \u0111ang t\u0103ng tr\u01b0\u1edfng nhanh ch\u00f3ng v\u00e0 \u0111\u00e2y ch\u00ednh l\u00e0 nh\u00f3m kh\u00e1ch h\u00e0ng ti\u1ec1m n\u0103ng nh\u01b0ng kh\u00f3 t\u00ednh c\u1ee7a ng\u00e0nh b\u1ea3o hi\u1ec3m<\/em><\/figcaption><\/figure>\n\n\n\n

Nh\u1eefng t\u00edn hi\u1ec7u vui<\/strong><\/p>\n\n\n\n

Trong nh\u1eefng ng\u00e0y cu\u1ed1i n\u0103m 2024, tr\u00ean c\u00e1c di\u1ec5n \u0111\u00e0n, nhi\u1ec1u nh\u00e2n vi\u00ean, \u0111\u1ea1i l\u00fd ru\u1ed9t c\u1ee7a B\u1ea3o hi\u1ec3m PVI \u0111ua nhau khoe s\u1ef1 ki\u1ec7n \u201cdoanh nghi\u1ec7p b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd \u0111\u1ea7u ti\u00ean t\u1ea1i Vi\u1ec7t Nam c\u00e1n m\u1ed1c doanh thu h\u01a1n 20.000 t\u1ef7 \u0111\u1ed3ng\u201d v\u00e0 hy v\u1ecdng \u0111\u01b0\u1ee3c th\u01b0\u1edfng l\u1edbn. Ho\u1ea1t \u0111\u1ed9ng t\u00e1i b\u1ea3o hi\u1ec3m v\u01b0\u1ee3t xa k\u1ebf ho\u1ea1ch \u0111\u1ec1 ra trong n\u0103m 2024 nh\u1edd t\u1eadn d\u1ee5ng l\u1ee3i th\u1ebf t\u1eeb vi\u1ec7c \u0111\u01b0\u1ee3c AM Best x\u1ebfp h\u1ea1ng t\u00edn nhi\u1ec7m A- (Excellent) t\u1eeb n\u0103m 2023, \u0111\u00e3 gi\u00fap c\u00f4ng ty n\u00e0y m\u1edf r\u1ed9ng \u201cb\u1edd c\u00f5i\u201d ho\u1ea1t \u0111\u1ed9ng t\u00e1i b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n

Trong khi \u0111\u00f3, B\u1ea3o hi\u1ec3m B\u1ea3o Vi\u1ec7t n\u0103m qua r\u1ea7m r\u1ed9 v\u1edbi c\u00e1c ho\u1ea1t \u0111\u1ed9ng ch\u00e0o m\u1eebng tr\u00f2n 60 th\u00e0nh l\u1eadp T\u1eadp \u0111o\u00e0n B\u1ea3o Vi\u1ec7t. \u0110\u00e2y l\u00e0 c\u00f4ng ty b\u1ea3o hi\u1ec3m l\u00e2u \u0111\u1eddi nh\u1ea5t tr\u00ean th\u1ecb tr\u01b0\u1eddng Vi\u1ec7t Nam, \u0111\u1ed3ng th\u1eddi l\u00e0 doanh nghi\u1ec7p c\u00f3 m\u1ea1ng l\u01b0\u1edbi ho\u1ea1t \u0111\u1ed9ng l\u1edbn nh\u1ea5t l\u00e0ng b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd.<\/p>\n\n\n\n

Ngo\u00e0i h\u00f2a chung c\u00e1c ho\u1ea1t \u0111\u1ed9ng k\u1ef7 ni\u1ec7m 60 n\u0103m ng\u00e0y sinh \u201cc\u1ee7a m\u1eb9\u201d, \u201cng\u01b0\u1eddi anh em\u201d c\u1ee7a B\u1ea3o hi\u1ec3m B\u1ea3o Vi\u1ec7t l\u00e0 T\u1ed5ng c\u00f4ng ty B\u1ea3o Vi\u1ec7t Nh\u00e2n th\u1ecd c\u0169ng vui m\u1eebng ch\u00e0o \u0111\u00f3n ng\u01b0\u1eddi c\u0169 tr\u1edf l\u1ea1i. Theo \u0111\u00f3, \u00f4ng Nguy\u1ec5n Quang Phi ng\u1ed3i gh\u1ebf CEO, c\u00f2n b\u00e0 Tr\u1ea7n Th\u1ecb Di\u1ec7u H\u1eb1ng gi\u1eef ch\u1ee9c v\u1ee5 Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean c\u1ee7a C\u00f4ng ty.<\/p>\n\n\n\n

B\u1ea3y n\u0103m v\u1ec1 tr\u01b0\u1edbc (\u0111\u1ea7u n\u0103m 2018), sau khi th\u00f4i gi\u1eef ch\u1ee9c v\u1ee5 T\u1ed5ng gi\u00e1m \u0111\u1ed1c T\u1eadp \u0111o\u00e0n B\u1ea3o Vi\u1ec7t (c\u00f4ng ty m\u1eb9 c\u1ee7a B\u1ea3o Vi\u1ec7t Nh\u00e2n th\u1ecd), th\u00f4i l\u00e0 ng\u01b0\u1eddi \u0111\u1ea1i di\u1ec7n v\u1ed1n nh\u00e0 n\u01b0\u1edbc, \u00f4ng Phi gi\u1eef ch\u1ee9c Ch\u1ee7 t\u1ecbch H\u1ed9i \u0111\u1ed3ng th\u00e0nh vi\u00ean c\u1ee7a B\u1ea3o Vi\u1ec7t Tokio Marine (m\u1ed9t li\u00ean danh b\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd do T\u1eadp \u0111o\u00e0n B\u1ea3o Vi\u1ec7t g\u00f3p 51% v\u1ed1n) t\u1eeb \u0111\u1ea7u n\u0103m 2019.<\/p>\n\n\n\n

Trong th\u00f4ng \u0111i\u1ec7p \u0111\u1ea7u n\u0103m g\u1eedi to\u00e0n b\u1ed9 h\u1ec7 th\u1ed1ng, T\u1ed5ng gi\u00e1m \u0111\u1ed1c B\u1ea3o Vi\u1ec7t Nh\u00e2n th\u1ecd cho bi\u1ebft: \u201cN\u0103m 2024 \u0111\u00e3 kh\u00e9p l\u1ea1i v\u1edbi nh\u1eefng d\u1ea5u \u1ea5n \u0111\u00e1ng t\u1ef1 h\u00e0o. Trong su\u1ed1t n\u0103m qua, m\u1ed7i th\u00e0nh vi\u00ean c\u1ee7a B\u1ea3o Vi\u1ec7t \u0111\u00e3 kh\u00f4ng ng\u1eebng s\u00e1ng t\u1ea1o, c\u1ed1ng hi\u1ebfn v\u00e0 c\u00f9ng nhau v\u01b0\u1ee3t qua nhi\u1ec1u th\u1eed th\u00e1ch \u0111\u1ec3 xu\u1ea5t s\u1eafc ho\u00e0n th\u00e0nh m\u1ee5c ti\u00eau kinh doanh n\u0103m 2024 v\u1edbi doanh thu khai th\u00e1c m\u1edbi \u0111\u1ea1t 3.860 t\u1ef7 \u0111\u1ed3ng, v\u01b0\u1ee3t 10% k\u1ebf ho\u1ea1ch, t\u0103ng 18% so v\u1edbi n\u0103m 2023, tuy\u1ec3n m\u1edbi h\u01a1n 21.000 t\u01b0 v\u1ea5n vi\u00ean t\u00e0i n\u0103ng v\u00e0 nhi\u1ec7t huy\u1ebft. N\u0103m 2025, s\u1ebd m\u1edf ra nh\u1eefng c\u01a1 h\u1ed9i kinh doanh m\u1edbi v\u00e0 kh\u00e1t v\u1ecdng chinh ph\u1ee5c nh\u1eefng m\u1ee5c ti\u00eau m\u1edbi. T\u00f4i tin v\u1edbi tinh th\u1ea7n tr\u00e1ch nhi\u1ec7m, s\u00e1ng t\u1ea1o v\u00e0 quy\u1ebft t\u00e2m kh\u00f4ng ng\u1eebng \u0111\u1ed5i m\u1edbi, B\u1ea3o Vi\u1ec7t Nh\u00e2n th\u1ecd s\u1ebd ti\u1ebfp t\u1ee5c ph\u00e1t tri\u1ec3n b\u1ec1n v\u1eefng, kh\u1eb3ng \u0111\u1ecbnh v\u1ecb th\u1ebf s\u1ed1 m\u1ed9t tr\u00ean th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd Vi\u1ec7t Nam\u201d.<\/p>\n\n\n\n

V\u00e0 trong nh\u1eefng ng\u00e0y \u0111\u1ea7u n\u0103m 2025, B\u1ea3o hi\u1ec3m PVI \u0111\u00e3 b\u1eaft tay v\u1edbi t\u00e2n binh l\u00e0 C\u00f4ng ty B\u1ea3o hi\u1ec3m phi nh\u00e2n th\u1ecd Techcom (B\u1ea3o hi\u1ec3m TCI, v\u1eeba ho\u1ea1t \u0111\u1ed9ng t\u1eeb th\u00e1ng 11\/2024) \u0111\u1ec3 h\u1ee3p t\u00e1c theo m\u00f4 h\u00ecnh \u201ch\u1ec7 sinh th\u00e1i\u201d. \u0110\u00e1ng ch\u00fa \u00fd, ngo\u00e0i Techcombank g\u00f3p 15% v\u1ed1n, c\u00e1c c\u1ed5 \u0111\u00f4ng g\u00f3p v\u1ed1n v\u00e0 n\u1eb1m trong Ban l\u00e3nh \u0111\u1ea1o c\u1ee7a B\u1ea3o hi\u1ec3m TCI c\u00f3 nhi\u1ec1u ng\u01b0\u1eddi c\u0169 v\u00e0 ng\u01b0\u1eddi nh\u00e0 c\u1ee7a PVI. C\u1ee5 th\u1ec3, \u00f4ng B\u00f9i V\u1ea1n Thu\u1eadn (nguy\u00ean T\u1ed5ng gi\u00e1m \u0111\u1ed1c C\u00f4ng ty c\u1ed5 ph\u1ea7n PVI, c\u00f4ng ty m\u1eb9 c\u1ee7a B\u1ea3o hi\u1ec3m PVI) gi\u1edd l\u00e0 c\u1ed5 \u0111\u00f4ng\/c\u1ed1 v\u1ea5n H\u1ed9i \u0111\u1ed3ng qu\u1ea3n tr\u1ecb c\u1ee7a B\u1ea3o hi\u1ec3m TCI; con trai \u00f4ng Thu\u1eadn l\u00e0 B\u00f9i V\u1ea1n Th\u00e0nh \u0111ang l\u00e0m Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c c\u1ee7a B\u1ea3o hi\u1ec3m TCI.<\/p>\n\n\n\n

V\u1edbi kinh nghi\u1ec7m \u0111i\u1ec1u h\u00e0nh t\u1eeb c\u00e1c l\u00e3nh \u0111\u1ea1o c\u0169 c\u1ee7a PVI, c\u00f9ng th\u1eeba h\u01b0\u1edfng n\u1ec1n t\u1ea3ng c\u00f4ng ngh\u1ec7 hi\u1ec7n \u0111\u1ea1i, t\u1ec7p kh\u00e1ch h\u00e0ng quy m\u00f4 l\u1edbn\u2026 t\u1eeb Techcombank c\u00f9ng c\u00e1c \u0111\u1ed1i t\u00e1c chi\u1ebfn l\u01b0\u1ee3c, B\u1ea3o hi\u1ec3m TCI \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng trong th\u1eddi gian t\u1edbi.<\/p>\n\n\n\n

Bi\u1ebfn \u0111\u1ed5i t\u1eeb nh\u1eefng \u0111i\u1ec1u nh\u1ecf nh\u1ea5t<\/strong><\/p>\n\n\n\n

M\u1ed9t \u0111i\u1ec3m \u0111\u00e1ng ch\u00fa \u00fd, l\u00e0 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u0103m nay kh\u00f4ng c\u00f2n \u0111\u1eb7t ra nh\u1eefng m\u1ee5c ti\u00eau ho\u00e0nh tr\u00e1ng nh\u01b0 \u201cc\u1ea5t c\u00e1nh\u201d, \u201cb\u1ee9t ph\u00e1 ngo\u1ea1n m\u1ee5c\u201d\u2026, m\u00e0 ch\u1ec9 gi\u1ea3n \u0111\u01a1n h\u01a1n l\u00e0 \u201cs\u1ed1c l\u1ea1i\u201d v\u00e0 \u201cbi\u1ebfn \u0111\u1ed5i\u201d. \u0110\u1eb7c bi\u1ec7t, c\u00e1c c\u00f4ng ty \u0111\u1eb7t m\u1ee5c ti\u00eau bi\u1ebfn \u0111\u1ed5i t\u1eeb b\u00ean trong, b\u1eaft \u0111\u1ea7u t\u1eeb kh\u00e2u t\u01b0 v\u1ea5n cho \u0111\u1ebfn b\u1ed3i th\u01b0\u1eddng th\u1eadt s\u00e1t v\u1edbi quy\u1ec1n l\u1ee3i c\u1ee7a ng\u01b0\u1eddi tham gia b\u1ea3o hi\u1ec3m, ch\u1ee9 kh\u00f4ng ch\u1ec9 ch\u1ea1y theo doanh thu b\u1eb1ng m\u1ecdi gi\u00e1. Kh\u00f4ng ch\u1ec9 c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m, c\u00e1c \u0111\u1ea1i l\u00fd c\u0169ng n\u1ed7 l\u1ef1c t\u00ecm c\u00e1c ng\u00e1ch ri\u00eang nh\u1eb1m tho\u00e1t kh\u1ecfi nh\u1eefng kh\u1ee7ng ho\u1ea3ng v\u00e0 chu\u1ea9n b\u1ecb cho c\u00e1c c\u01a1 h\u1ed9i trong t\u01b0\u01a1ng lai.<\/p>\n\n\n\n

Theo c\u00e1c chuy\u00ean gia, s\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd t\u1ea7ng l\u1edbp trung l\u01b0u \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng mang l\u1ea1i c\u01a1 h\u1ed9i \u201cv\u00e0ng\u201d cho ng\u00e0nh b\u1ea3o hi\u1ec3m. Vi\u1ec7c t\u1eadp trung v\u00e0o ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng n\u00e0y h\u1ee9a h\u1eb9n gi\u00fap c\u00e1c doanh nghi\u1ec7p b\u1ea3o hi\u1ec3m t\u1ea1i Vi\u1ec7t Nam t\u1ea1o gi\u00e1 tr\u1ecb v\u00e0 s\u1ef1 t\u0103ng tr\u01b0\u1edfng v\u01b0\u1ee3t tr\u1ed9i trong v\u00e0i n\u0103m t\u1edbi.<\/p>\n\n\n\n

\u00d4ng Tim Evans, T\u1ed5ng gi\u00e1m \u0111\u1ed1c HSBC Vi\u1ec7t Nam cho r\u1eb1ng, Vi\u1ec7t Nam \u0111\u01b0\u1ee3c k\u1ef3 v\u1ecdng s\u1ebd tr\u1edf th\u00e0nh th\u1ecb tr\u01b0\u1eddng ti\u00eau d\u00f9ng l\u1edbn th\u1ee9 10 tr\u00ean th\u1ebf gi\u1edbi v\u00e0o n\u0103m 2030 nh\u1edd v\u00e0o s\u1ef1 t\u0103ng tr\u01b0\u1edfng m\u1ea1nh m\u1ebd c\u1ee7a t\u1ea7ng l\u1edbp trung l\u01b0u. \u0110\u00e2y l\u00e0 c\u01a1 h\u1ed9i \u0111\u1ec3 c\u00e1c b\u00ean h\u1ed7 tr\u1ee3 ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng kh\u00e1 gi\u1ea3, nh\u1eefng ng\u01b0\u1eddi \u0111ang t\u00ecm ki\u1ebfm c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o hi\u1ec3m v\u00e0 \u0111\u1ea7u t\u01b0.<\/p>\n\n\n\n

T\u01b0\u01a1ng t\u1ef1, d\u1ef1 b\u00e1o t\u1ea7ng l\u1edbp trung l\u01b0u t\u1ea1i Vi\u1ec7t Nam \u0111ang ph\u00e1t tri\u1ec3n nhanh ch\u00f3ng v\u00e0 s\u1ebd chi\u1ebfm 50% d\u00e2n s\u1ed1 v\u00e0o n\u0103m 2030, \u00f4ng Conor M O\u2019Neill \u2013 Ph\u00f3 t\u1ed5ng gi\u00e1m \u0111\u1ed1c T\u00e0i ch\u00ednh Prudential Vi\u1ec7t Nam nh\u1ea5n m\u1ea1nh \u0111\u1ebfn s\u1ef1 c\u1ea7n thi\u1ebft v\u00e0 ti\u1ec1m n\u0103ng c\u1ee7a vi\u1ec7c gi\u00fap kh\u00e1ch h\u00e0ng t\u0103ng c\u01b0\u1eddng kh\u1ea3 n\u0103ng ti\u1ebfp c\u1eadn c\u00e1c gi\u1ea3i ph\u00e1p b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd ch\u1ea5t l\u01b0\u1ee3ng.<\/p>\n\n\n\n

Theo MDRT (chuy\u00ean gia t\u01b0 v\u1ea5n t\u00e0i ch\u00ednh v\u00e0 b\u1ea3o hi\u1ec3m xu\u1ea5t s\u1eafc) \u0110\u1eb7ng Th\u1ecb Huy\u1ec1n Trang, Vi\u1ec7t Nam nh\u1eefng n\u0103m qua xu\u1ea5t hi\u1ec7n m\u1ed9t l\u01b0\u1ee3ng kh\u00f4ng nh\u1ecf kh\u00e1ch h\u00e0ng tham gia b\u1ea3o hi\u1ec3m v\u1edbi m\u1ec7nh gi\u00e1 \u201ckh\u1ee7ng\u201d t\u1eeb 10-50 t\u1ef7 \u0111\u1ed3ng. Nh\u00ecn th\u1ea5y s\u1ef1 gia t\u0103ng \u0111\u00e1ng k\u1ec3 v\u1ec1 s\u1ed1 l\u01b0\u1ee3ng h\u1ee3p \u0111\u1ed3ng c\u00f3 ph\u00ed \u0111\u00f3ng h\u00e0ng n\u0103m t\u1eeb 40-70 tri\u1ec7u \u0111\u1ed3ng c\u00e1c n\u0103m g\u1ea7n \u0111\u00e2y v\u00e0 ph\u1ea7n l\u1edbn kh\u00e1ch h\u00e0ng \u1edf ph\u00e2n kh\u00fac n\u00e0y \u0111\u1ec1u l\u00e0 tr\u1ee5 c\u1ed9t \u0111\u00f3ng, vai tr\u00f2 quan tr\u1ecdng trong gia \u0111\u00ecnh, ch\u1ecb Trang th\u01b0\u1eddng thi\u1ebft k\u1ebf c\u00e1c s\u1ea3n ph\u1ea9m b\u1ea3o v\u1ec7 tr\u1ee5 c\u1ed9t v\u1ec1 t\u00e0i ch\u00ednh nh\u1eb1m \u0111\u1ea3m b\u1ea3o duy tr\u00ec c\u00e1c chi ph\u00ed c\u01a1 b\u1ea3n cho gia \u0111\u00ecnh khi c\u00f3 nh\u1eefng t\u00ecnh hu\u1ed1ng kh\u00f4ng may x\u1ea3y v\u1edbi tr\u1ee5 c\u1ed9t.<\/p>\n\n\n\n

Bi\u1ebfn \u0111\u1ed5i t\u1eeb kh\u00e2u t\u01b0 v\u1ea5n, \u0111a s\u1ed1 kh\u00e1ch h\u00e0ng, nh\u1ea5t l\u00e0 ph\u00e2n kh\u00fac trung l\u01b0u kh\u00f4ng mu\u1ed1n nghe c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m l\u1ea5y r\u1ee7i ro ra \u0111\u1ec3 d\u1ecda h\u1ecd. H\u1ecd nh\u1eadn th\u1ee9c r\u00f5 v\u1ec1 nhu c\u1ea7u c\u00e1 nh\u00e2n, bi\u1ebft b\u1ea3n th\u00e2n c\u1ea7n g\u00ec v\u00e0 mu\u1ed1n g\u00ec, h\u1ecd quan t\u00e2m nhi\u1ec1u \u0111\u1ebfn th\u1ebb y t\u1ebf v\u00e0 b\u1ea3o v\u1ec7 t\u00e0i ch\u00ednh trong tr\u01b0\u1eddng h\u1ee3p tai n\u1ea1n ho\u1eb7c b\u1ec7nh hi\u1ec3m ngh\u00e8o. Ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng n\u00e0y kh\u00f4ng tham gia b\u1ea3o hi\u1ec3m cho c\u00f3, m\u00e0 h\u01b0\u1edbng \u0111\u1ebfn c\u00e1c s\u1ea3n ph\u1ea9m tr\u1ecdn v\u1eb9n, \u0111\u00f2i h\u1ecfi ch\u1ea5t l\u01b0\u1ee3ng d\u1ecbch v\u1ee5 cao. B\u1edfi th\u1ebf, t\u01b0 v\u1ea5n vi\u00ean ph\u1ee5c v\u1ee5 h\u1ecd c\u0169ng ph\u1ea3i t\u01b0\u01a1ng x\u1ee9ng, c\u1ea7n chuy\u00ean nghi\u1ec7p v\u00e0 hi\u1ec3u bi\u1ebft s\u00e2u r\u1ed9ng v\u1ec1 s\u1ea3n ph\u1ea9m, d\u1ecbch v\u1ee5. C\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng ph\u1ea3i chuy\u00ean nghi\u1ec7p m\u1edbi \u0111\u1ee7 n\u0103ng l\u1ef1c ph\u1ee5c v\u1ee5 ph\u00e2n kh\u00fac kh\u00e1ch h\u00e0ng n\u00e0y.<\/p>\n\n\n\n

\u0110\u1ec3 t\u1ea1o thu h\u00fat v\u00e0 l\u00f2ng tin cho kh\u00e1ch h\u00e0ng, c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m kh\u00f4ng c\u1ea7n t\u00f4 v\u1ebd, th\u1ea7n th\u00e1nh h\u00f3a b\u1ea3o hi\u1ec3m, m\u00e0 c\u1ea7n truy\u1ec1n th\u00f4ng, m\u00f4 t\u1ea3 \u0111\u00fang gi\u00e1 tr\u1ecb l\u00f5i c\u1ee7a b\u1ea3o hi\u1ec3m, \u0111\u00f3 l\u00e0 b\u1ea3o hi\u1ec3m l\u00e0 b\u1ea3o v\u1ec7. N\u00ean t\u01b0 v\u1ea5n cho kh\u00e1ch h\u00e0ng hi\u1ec3u r\u1eb1ng, kh\u00f4ng c\u00f3 b\u1ea3o hi\u1ec3m c\u0169ng kh\u00f4ng sao, nh\u01b0ng b\u1ee9c tranh ho\u1ea1ch \u0111\u1ecbnh t\u00e0i ch\u00ednh c\u1ee7a kh\u00e1ch h\u00e0ng s\u1ebd kh\u00f4ng tr\u1ecdn v\u1eb9n. Khi c\u00f3 b\u1ea3o hi\u1ec3m, kh\u00e1ch h\u00e0ng s\u1ebd b\u1ea3o v\u1ec7 \u0111\u01b0\u1ee3c s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m c\u1ee7a h\u1ecd v\u1edbi chi ph\u00ed th\u1ea5p, ch\u1ec9 c\u1ea7n 10-15% thu nh\u1eadp h\u00e0ng th\u00e1ng \u0111\u1ec3 b\u1ea3o v\u1ec7 85-90% kho\u1ea3n c\u00f2n l\u1ea1i \u0111\u00f3, l\u00e0 kho\u1ea3n \u0111\u1ea7u t\u01b0 \u0111\u1ec3 ho\u1ea1ch \u0111\u1ecbnh t\u00e0i ch\u00ednh m\u1ed9t c\u00e1ch h\u1ee3p l\u00fd.<\/p>\n\n\n\n

Chuy\u00ean gia b\u1ea3o hi\u1ec3m L\u00ea Minh cho bi\u1ebft, c\u00f3 2 t\u01b0 v\u1ea5n b\u1ea3o hi\u1ec3m c\u00f9ng t\u01b0 v\u1ea5n cho 1 kh\u00e1ch h\u00e0ng l\u1ea1, th\u00ec ai t\u1ea1o ra nhi\u1ec1u s\u1ef1 kh\u00e1c bi\u1ec7t v\u00e0 chi\u1ebfm \u0111\u01b0\u1ee3c l\u00f2ng tin t\u1ed1t h\u01a1n v\u1edbi kh\u00e1ch h\u00e0ng s\u1ebd l\u00e0 ng\u01b0\u1eddi n\u1eafm nhi\u1ec1u l\u1ee3i th\u1ebf nh\u1ea5t, c\u00f3 kh\u1ea3 n\u0103ng cao ch\u1ed1t \u0111\u01b0\u1ee3c h\u1ee3p \u0111\u1ed3ng, b\u1ea5t k\u1ec3 ng\u01b0\u1eddi \u0111\u00f3 c\u00f3 l\u00e0 MDRT hay kh\u00f4ng, v\u00ec h\u1ea7u h\u1ebft kh\u00e1ch h\u00e0ng \u0111\u1ec1u kh\u00f4ng bi\u1ebft MDRT l\u00e0 g\u00ec. Hay v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m c\u0169ng v\u1eady, kh\u00e1ch h\u00e0ng s\u1ebd kh\u00f4ng qu\u00e1 quan t\u00e2m \u0111\u1ebfn vi\u1ec7c c\u00f4ng ty \u0111\u00f3 l\u00e0 top 1 hay 2, m\u00e0 ch\u1ec9 c\u1ea7n c\u00f4ng ty \u0111\u00f3 \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i l\u00f5i cho kh\u00e1ch h\u00e0ng khi x\u1ea3y ra r\u1ee7i ro c\u1ea7n \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m.<\/p>\n\n\n\n

 N\u00f3i nh\u01b0 c\u1ef1u CEO m\u1ed9t c\u00f4ng ty b\u1ea3o hi\u1ec3m: \u201cC\u00f4ng ty b\u1ea3o hi\u1ec3m h\u00e3y b\u1eaft \u0111\u1ea7u s\u1ef1 chuy\u00ean nghi\u1ec7p, nh\u00e2n v\u0103n b\u1eb1ng bi\u1ebfn \u0111\u1ed5i nh\u1ecf, \u0111\u00f3 l\u00e0 h\u00e0nh x\u1eed theo tinh th\u1ea7n \u0111\u1eb7t s\u1ef1 ch\u00e2n th\u00e0nh l\u00ean cao nh\u1ea5t (Utmost Good Faith). Ch\u1eb3ng h\u1ea1n, v\u1edbi tr\u01b0\u1eddng h\u1ee3p kh\u00e1ch h\u00e0ng g\u1eb7p tai n\u1ea1n nh\u01b0ng tr\u01b0\u1edbc \u0111\u00f3 l\u1ee1 qu\u00ean khai b\u00e1o v\u1ec1 m\u1ed9t lo\u1ea1i b\u1ec7nh t\u1eadt n\u00e0o \u0111\u00f3, ch\u1ee9 kh\u00f4ng ph\u1ea3i do b\u1ec7nh c\u00f3 s\u1eb5n, th\u00ec c\u00f4ng ty b\u1ea3o hi\u1ec3m n\u00ean chi tr\u1ea3 cho kh\u00e1ch h\u00e0ng, \u0111\u1eebng l\u1ea5y l\u00fd do h\u1ecd qu\u00ean khai b\u00e1o m\u00e0 t\u1eeb ch\u1ed1i. C\u00f3 nh\u01b0 v\u1eady, kh\u00e1ch h\u00e0ng m\u1edbi \u0111\u1eb7t ni\u1ec1m tin l\u1edbn v\u00e0o ng\u00e0nh b\u1ea3o hi\u1ec3m\u201d.<\/p>\n\n\n\n

C\u0169ng theo v\u1ecb n\u00e0y, Lu\u1eadt Kinh doanh b\u1ea3o hi\u1ec3m c\u0169ng n\u00ean ti\u1ebfp t\u1ee5c s\u1eeda \u0111\u1ed5i theo h\u01b0\u1edbng \u0111\u1ea3m b\u1ea3o vi\u1ec7c gi\u1ea3i quy\u1ebft quy\u1ec1n l\u1ee3i cho nh\u1eefng ng\u01b0\u1eddi \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m m\u1ed9t c\u00e1ch c\u00f4ng b\u1eb1ng v\u00e0 minh b\u1ea1ch h\u01a1n.<\/p>\n\n\n\n

Kim Lan \u2013 \u0110\u1ea7u t\u01b0 ch\u1ee9ng kho\u00e1n<\/strong><\/p>\n\n\n\n

Ngu\u1ed3n: https:\/\/www.tinnhanhchungkhoan.vn\/thi-truong-bao-hiem-viet-nam-bien-doi-tu-ben-trong-post363073.html<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

N\u0103m 2025 \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 l\u00e0 n\u0103m m\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m Vi\u1ec7t Nam s\u1ebd c\u00f3 nh\u1eefng bi\u1ebfn \u0111\u1ed5i t\u1eeb b\u00ean trong, khi c\u1ea3 doanh nghi\u1ec7p v\u00e0 c\u00e1c \u0111\u1ea1i l\u00fd b\u1ea3o hi\u1ec3m \u0111ang n\u1ed7 l\u1ef1c t\u00ecm con \u0111\u01b0\u1eddng ri\u00eang bi\u1ec7t \u0111\u1ec3 kh\u1eb3ng \u0111\u1ecbnh m\u00ecnh. Nh\u1eefng t\u00edn hi\u1ec7u vui Trong nh\u1eefng ng\u00e0y cu\u1ed1i n\u0103m 2024, tr\u00ean […]<\/p>\n","protected":false},"featured_media":14062,"template":"","article_category":[14],"class_list":["post-14060","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\/14060","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\/14062"}],"wp:attachment":[{"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/media?parent=14060"}],"wp:term":[{"taxonomy":"article_category","embeddable":true,"href":"https:\/\/fts.com.vn\/en\/wp-json\/wp\/v2\/article_category?post=14060"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}