{"id":23955,"date":"2023-12-06T09:01:30","date_gmt":"2023-12-06T09:01:30","guid":{"rendered":"https:\/\/masterskills.org\/blog\/bao-hiem-vi-mo-microinsurance-la-gi-dac-diem.html"},"modified":"2023-12-22T09:29:50","modified_gmt":"2023-12-22T02:29:50","slug":"bao-hiem-vi-mo-microinsurance-la-gi-dac-diem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/bao-hiem-vi-mo-microinsurance-la-gi-dac-diem.html","title":{"rendered":"B\u1ea3o hi\u1ec3m vi m\u00f4 (Microinsurance) l\u00e0 g\u00ec? \u0110\u1eb7c \u0111i\u1ec3m"},"content":{"rendered":"
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H\u00ecnh minh ho\u1ea1 (Ngu\u1ed3n: behavioraldevelopmentblog)<\/p>\n<\/figcaption><\/figure>\n

B\u1ea3o hi\u1ec3m vi m\u00f4<\/font><\/h2>\n

Kh\u00e1i ni\u1ec7m<\/b><\/p>\n

B\u1ea3o hi\u1ec3m vi m\u00f4<\/b> trong ti\u1ebfng Anh \u0111\u01b0\u1ee3c g\u1ecdi l\u00e0 Microinsurance.<\/b><\/p>\n

B\u1ea3o hi\u1ec3m vi m\u00f4<\/b> l\u00e0 b\u1ea3o hi\u1ec3m d\u00e0nh cho c\u00e1c h\u1ed9 gia \u0111\u00ecnh c\u00f3 thu nh\u1eadp th\u1ea5p ho\u1eb7c c\u00e1c c\u00e1 nh\u00e2n c\u00f3 s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m nh\u1ecf, \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang, ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb th\u1ea5p v\u00e0 b\u1ea3o v\u1ec7 tr\u01b0\u1edbc nh\u1eefng r\u1ee7i ro nh\u01b0 b\u1ecb b\u1ec7nh, th\u01b0\u01a1ng t\u1eadt ho\u1eb7c t\u1eed vong.<\/p>\n

\u0110\u1eb7c \u0111i\u1ec3m<\/font><\/h3>\n

L\u00e0 m\u1ed9t b\u1ed9 ph\u1eadn c\u1ee7a\u00a0t\u00e0i ch\u00ednh vi m\u00f4 (Microfinance),\u00a0b\u1ea3o hi\u1ec3m vi m\u00f4 h\u01b0\u1edbng t\u1edbi h\u1ed7 tr\u1ee3 c\u00e1c gia \u0111\u00ecnh c\u00f3 thu nh\u1eadp th\u1ea5p b\u1eb1ng c\u00e1ch cung c\u1ea5p c\u00e1c g\u00f3i b\u1ea3o hi\u1ec3m ph\u00f9 h\u1ee3p v\u1edbi nhu c\u1ea7u c\u1ee7a h\u1ecd.<\/p>\n

B\u1ea3o hi\u1ec3m vi m\u00f4 th\u01b0\u1eddng xu\u1ea5t hi\u1ec7n \u1edf nh\u1eefng \u0111\u1ea5t n\u01b0\u1edbc \u0111ang ph\u00e1t tri\u1ec3n, n\u01a1i m\u00e0 th\u1ecb tr\u01b0\u1eddng b\u1ea3o hi\u1ec3m hi\u1ec7n t\u1ea1i ho\u1ea1t \u0111\u1ed9ng kh\u00f4ng hi\u1ec7u qu\u1ea3 ho\u1eb7c th\u1eadm ch\u00ed kh\u00f4ng t\u1ed3n t\u1ea1i. Gi\u00e1 tr\u1ecb b\u1ea3o hi\u1ec3m vi m\u00f4 th\u1ea5p h\u01a1n nh\u1eefng lo\u1ea1i b\u1ea3o hi\u1ec3m th\u00f4ng th\u01b0\u1eddng kh\u00e1c, v\u00ec v\u1eady nh\u1eefng ng\u01b0\u1eddi mua lo\u1ea1i b\u1ea3o hi\u1ec3m n\u00e0y ch\u1ec9 c\u1ea7n \u0111\u00f3ng s\u1ed1 ti\u1ec1n b\u1ea3o hi\u1ec3m nh\u1ecf h\u01a1n \u0111\u00e1ng k\u1ec3.<\/p>\n

Gi\u1ed1ng nh\u01b0 nh\u1eefng b\u1ea3o hi\u1ec3m th\u00f4ng th\u01b0\u1eddng, b\u1ea3o hi\u1ec3m vi m\u00f4 b\u1ea3o v\u1ec7 cho r\u1ea5t nhi\u1ec1u lo\u1ea1i r\u1ee7i ro. Bao g\u1ed3m c\u1ea3 nh\u1eefng r\u1ee7i ro v\u1ec1 s\u1ee9c kho\u1ebb v\u00e0 r\u1ee7i ro v\u1ec1 t\u00e0i s\u1ea3n. C\u00f3 th\u1ec3 li\u1ec7t k\u00ea nh\u01b0 b\u1ea3o hi\u1ec3m m\u00f9a m\u00e0ng, b\u1ea3o hi\u1ec3m v\u1eadt nu\u00f4i\/ gia s\u00fac, b\u1ea3o hi\u1ec3m tr\u1ed9m c\u1eafp ho\u1eb7c ho\u1ea3 ho\u1ea1n, b\u1ea3o hi\u1ec3m y t\u1ebf, b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd, b\u1ea3o hi\u1ec3m t\u1eed vong, b\u1ea3o hi\u1ec3m t\u00e0n t\u1eadt v\u00e0 b\u1ea3o hi\u1ec3m thi\u00ean tai\u2026<\/p>\n

C\u00e1c ph\u01b0\u01a1ng ph\u00e1p cung c\u1ea5p b\u1ea3o hi\u1ec3m vi m\u00f4<\/font><\/h3>\n

Cung c\u1ea5p b\u1ea3o hi\u1ec3m vi m\u00f4 l\u00e0 m\u1ed9t c\u00f4ng vi\u1ec7c th\u1eed th\u00e1ch. \u0110\u00e3 c\u00f3 m\u1ed9t s\u1ed1 ph\u01b0\u01a1ng ph\u00e1p v\u00e0 m\u00f4 h\u00ecnh t\u1ed3n t\u1ea1i v\u00e0 c\u00f3 th\u1ec3 kh\u00e1c nhau tu\u1ef3 theo t\u1ed5 ch\u1ee9c v\u00e0 nh\u00e0 cung c\u1ea5p c\u00f3 li\u00ean quan. Nh\u00ecn chung, c\u00f3 4 ph\u01b0\u01a1ng ph\u00e1p ch\u00ednh \u0111\u1ec3 cung c\u1ea5p b\u1ea3o hi\u1ec3m vi m\u00f4 t\u1edbi m\u1ed9t c\u01a1 s\u1edf kh\u00e1ch h\u00e0ng (Client base), bao g\u1ed3m:\u00a0<\/p>\n

– Partner-agent model\u00a0<\/b>(t\u1ea1m d\u1ecbch: M\u00f4 h\u00ecnh h\u1ee3p t\u00e1c v\u1edbi \u0111\u1ea1i l\u00ed): M\u00f4 h\u00ecnh cung c\u1ea5p n\u00e0y d\u1ef1a tr\u00ean s\u1ef1 h\u1ee3p t\u00e1c gi\u1eefa t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m vi m\u00f4 v\u1edbi \u0111\u1ea1i l\u00ed. T\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m ch\u1ecbu tr\u00e1ch nhi\u1ec7m cung c\u1ea5p v\u00e0 marketing s\u1ea3n ph\u1ea9m t\u1edbi kh\u00e1ch h\u00e0ng, trong khi \u0111\u00f3 c\u00e1c \u0111\u1ea1i l\u00ed ch\u1ecbu tr\u00e1ch nhi\u1ec7m to\u00e0n b\u1ed9 v\u1ec1 vi\u1ec7c thi\u1ebft k\u1ebf v\u00e0 ph\u00e1t tri\u1ec3n.<\/p>\n

– Full-service model <\/b>(t\u1ea1m d\u1ecbch: M\u00f4 h\u00ecnh \u0111\u1ea7y \u0111\u1ee7 d\u1ecbch v\u1ee5):\u00a0Trong m\u00f4 h\u00ecnh n\u00e0y, t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m vi m\u00f4 ph\u1ee5 tr\u00e1ch m\u1ecdi c\u00f4ng vi\u1ec7c, c\u1ea3 vi\u1ec7c thi\u1ebft k\u1ebf v\u00e0 giao s\u1ea3n ph\u1ea9m cho kh\u00e1ch h\u00e0ng, l\u00e0m vi\u1ec7c k\u1ebft h\u1ee3p v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c s\u1ee9c kho\u1ebb b\u00ean ngo\u00e0i.\u00a0<\/p>\n

– Provider-driven model <\/b>(t\u1ea1m d\u1ecbch: M\u00f4 h\u00ecnh theo nh\u00e0 cung c\u1ea5p):\u00a0<\/b>Trong m\u00f4 h\u00ecnh n\u00e0y, nh\u00e0 cung c\u1ea5p ch\u0103m s\u00f3c s\u1ee9a kho\u1ebb ch\u00ednh l\u00e0 t\u1ed5 ch\u1ee9c b\u1ea3o hi\u1ec3m vi m\u00f4, ch\u1ecbu tr\u00e1ch nhi\u1ec7m cho to\u00e0n b\u1ed9 c\u00e1c ho\u1ea1t \u0111\u1ed9ng: cung c\u1ea5p, thi\u1ebft k\u1ebf v\u00e0 d\u1ecbch v\u1ee5.<\/p>\n

– Community-based\/mutual model (<\/b>t\u1ea1m d\u1ecbch: M\u00f4 h\u00ecnh d\u1ef1a v\u00e0o c\u1ed9ng \u0111\u1ed3ng): Trong m\u00f4 h\u00ecnh n\u00e0y, kh\u00e1ch h\u00e0ng ch\u00ednh l\u00e0 ng\u01b0\u1eddi v\u1eadn h\u00e0nh m\u1ecdi th\u1ee9, l\u00e0m vi\u1ec7c k\u1ebft h\u1ee3p v\u1edbi c\u00e1c nh\u00e0 cung c\u1ea5p d\u1ecbch v\u1ee5 ch\u0103m s\u00f3c s\u1ee9c kho\u1ebb b\u00ean ngo\u00e0i \u0111\u1ec3 cung c\u1ea5p c\u00e1c d\u1ecbch v\u1ee5.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: Microinsurance, Investopedia)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n B\u1ea3o hi\u1ec3m vi m\u00f4 (ti\u1ebfng Anh: Microinsurance) l\u00e0 b\u1ea3o hi\u1ec3m d\u00e0nh cho c\u00e1c h\u1ed9 gia \u0111\u00ecnh c\u00f3 thu nh\u1eadp th\u1ea5p ho\u1eb7c c\u00e1c c\u00e1 nh\u00e2n c\u00f3 s\u1ed1 ti\u1ec1n ti\u1ebft ki\u1ec7m nh\u1ecf, \u0111\u01b0\u1ee3c thi\u1ebft k\u1ebf ri\u00eang, ph\u00f9 h\u1ee3p v\u1edbi c\u00e1c t\u00e0i s\u1ea3n c\u00f3 gi\u00e1 tr\u1ecb th\u1ea5p.\n <\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[414],"tags":[],"_links":{"self":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/23955"}],"collection":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/comments?post=23955"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/23955\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=23955"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=23955"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=23955"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}