{"id":26334,"date":"2023-12-07T02:32:27","date_gmt":"2023-12-07T02:32:27","guid":{"rendered":"https:\/\/masterskills.org\/blog\/tham-dinh-bao-hiem-underwriting-la-gi-cac-buoc-tham-dinh-bao-hiem.html"},"modified":"2023-12-22T14:37:45","modified_gmt":"2023-12-22T07:37:45","slug":"tham-dinh-bao-hiem-underwriting-la-gi-cac-buoc-tham-dinh-bao-hiem","status":"publish","type":"post","link":"https:\/\/masterskills.org\/blog\/tham-dinh-bao-hiem-underwriting-la-gi-cac-buoc-tham-dinh-bao-hiem.html","title":{"rendered":"Th\u1ea9m \u0111\u1ecbnh b\u1ea3o hi\u1ec3m (Underwriting) l\u00e0 g\u00ec? C\u00e1c b\u01b0\u1edbc th\u1ea9m \u0111\u1ecbnh b\u1ea3o hi\u1ec3m"},"content":{"rendered":"
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H\u00ecnh minh h\u1ecda (Ngu\u1ed3n: davidho.sg)<\/p>\n<\/div>\n<\/div>\n

Th\u1ea9m \u0111\u1ecbnh b\u1ea3o hi\u1ec3m (Underwriting)<\/font><\/h2>\n

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

Th\u1ea9m \u0111\u1ecbnh b\u1ea3o hi\u1ec3m<\/b> trong ti\u1ebfng Anh l\u00e0 Underwriting.<\/b><\/p>\n

Th\u1ea9m \u0111\u1ecbnh b\u1ea3o hi\u1ec3m (Underwriting) l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh ph\u00e2n lo\u1ea1i, \u0111\u00e1nh gi\u00e1 v\u00e0 l\u1ef1a ch\u1ecdn r\u1ee7i ro c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n

Th\u1ea9m \u0111\u1ecbnh b\u1ea3o hi\u1ec3m c\u00f3 nhi\u1ec7m v\u1ee5: nh\u1eadn di\u1ec7n r\u1ee7i ro, \u0111\u00e1nh gi\u00e1 r\u1ee7i ro m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c v\u00e0o \u0111\u1ea7y \u0111\u1ee7; ph\u00e2n nh\u00f3m r\u1ee7i ro m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c; t\u1eeb \u0111\u00f3 ra c\u00e1c quy\u1ebft \u0111\u1ecbnh th\u1ea9m \u0111\u1ecbnh (Underwriting decision) bao g\u1ed3m ch\u1ea5p nh\u1eadn hay t\u1eeb ch\u1ed1i y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m.<\/p>\n

C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m th\u01b0\u1eddng ban h\u00e0nh h\u01b0\u1edbng d\u1eabn th\u1ea9m \u0111\u1ecbnh (Underwriting guidelines) nh\u1eb1m qui \u0111\u1ecbnh m\u1ed9t c\u00e1ch c\u1ee5 th\u1ec3 v\u1ec1 qui tr\u00ecnh v\u00e0 c\u00e1c ti\u00eau ch\u00ed th\u1ea9m \u0111\u1ecbnh.<\/p>\n

C\u00e1c b\u01b0\u1edbc th\u1ea9m \u0111\u1ecbnh b\u1ea3o hi\u1ec3m<\/font><\/h2>\n

Th\u1ea9m \u0111\u1ecbnh b\u1ea3o hi\u1ec3m bao g\u1ed3m hai b\u01b0\u1edbc c\u01a1 b\u1ea3n \u0111\u00f3 l\u00e0 x\u00e1c \u0111\u1ecbnh r\u1ee7i ro v\u00e0 ph\u00e2n lo\u1ea1i r\u1ee7i ro.<\/p>\n

X\u00e1c \u0111\u1ecbnh r\u1ee7i ro (Identify risks)<\/i><\/p>\n

Trong c\u00e1c y\u00eau c\u1ea7u b\u1ea3o hi\u1ec3m c\u00e1c nguy\u00ean nh\u00e2n hay s\u1ef1 ki\u1ec7n c\u00f3 th\u1ec3 d\u1eabn t\u1edbi t\u1ed5n th\u1ea5t (Peril) th\u01b0\u1eddng \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh m\u1ed9t c\u00e1ch t\u01b0\u01a1ng \u0111\u1ed1i r\u00f5 r\u00e0ng. Nh\u01b0 v\u1eady c\u00f4ng \u0111o\u1ea1n x\u00e1c \u0111\u1ecbnh r\u1ee7i ro trong th\u1ea9m \u0111\u1ecbnh b\u1ea3o hi\u1ec3m ch\u1ee7 y\u1ebfu t\u1eadp trung v\u00e0o x\u00e1c \u0111\u1ecbnh nh\u1eefng nh\u00e2n t\u1ed1 c\u00f3 th\u1ec3 \u1ea3nh h\u01b0\u1edfng t\u1edbi kh\u1ea3 n\u0103ng ph\u00e1t sinh ho\u1eb7c gia t\u0103ng t\u1ed5n th\u1ea5t (Hazard) bao g\u1ed3m nguy c\u01a1 v\u1eadt ch\u1ea5t (Physical hazard) v\u00e0 nguy c\u01a1 \u0111\u1ea1o \u0111\u1ee9c (Moral hazard).\u00a0<\/p>\n

Ph\u00e2n lo\u1ea1i r\u1ee7i ro (Classify risks)<\/i><\/p>\n

Sau khi \u0111\u00e1nh gi\u00e1 r\u1ee7i ro, b\u1ed9 ph\u1eadn th\u1ea9m \u0111\u1ecbnh s\u1ebd x\u1ebfp \u0111\u1ed1i t\u01b0\u1ee3ng tham gia b\u1ea3o hi\u1ec3m v\u00e0o c\u00e1c nh\u00f3m r\u1ee7i ro ph\u00f9 h\u1ee3p. Nh\u00f3m r\u1ee7i ro (Risk Class) \u0111\u01b0\u1ee3c hi\u1ec3u l\u00e0 nh\u00f3m c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m c\u00f3 c\u00f9ng m\u1ee9c \u0111\u1ed9 r\u1ee7i ro \u0111\u1ed1i v\u1edbi c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n

M\u1ee5c \u0111\u00edch c\u1ee7a vi\u1ec7c ph\u00e2n nh\u00f3m r\u1ee7i ro l\u00e0 gi\u00fap cho c\u00f4ng ty b\u1ea3o hi\u1ec3m t\u00ednh to\u00e1n \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 n\u1eb1m trong c\u00e1c nh\u00f3m r\u1ee7i ro kh\u00e1c nhau. C\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m \u0111\u01b0\u1ee3c \u0111\u00e1nh gi\u00e1 n\u1eb1m trong c\u00e1c \u00a0nh\u00f3m r\u1ee7i ro kh\u00e1c nhau s\u1ebd \u0111\u01b0\u1ee3c \u00e1p d\u1ee5ng c\u00f9ng m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m kh\u00e1c nhau, c\u00e1c nh\u00f3m c\u00f3 m\u1ee9c \u0111\u1ed9 r\u1ee7i ro c\u00e0ng l\u1edbn m\u1ee9c ph\u00ed b\u1ea3o hi\u1ec3m c\u00e0ng cao.\u00a0<\/p>\n

M\u1ed7i c\u00f4ng ty b\u1ea3o hi\u1ec3m s\u1ebd c\u00f3 c\u00e1c ti\u00eau ch\u00ed v\u00e0 c\u00e1ch th\u1ee9c ph\u00e2n nh\u00f3m r\u1ee7i ro kh\u00e1c nhau. C\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m (\u0111\u1eb7c bi\u1ec7t l\u00e0 b\u1ea3o hi\u1ec3m nh\u00e2n th\u1ecd) th\u01b0\u1eddng x\u1ebfp \u0111\u1ed1i t\u01b0\u1ee3ng \u0111\u01b0\u1ee3c b\u1ea3o hi\u1ec3m v\u00e0o m\u1ed9t trong b\u1ed1n nh\u00f3m r\u1ee7i ro ch\u00ednh: Nh\u00f3m r\u1ee7i ro chu\u1ea9n (The Standard Class); Nh\u00f3m r\u1ee7i ro \u01b0u ti\u00ean (Preferred Risk); Nh\u00f3m r\u1ee7i ro d\u01b0\u1edbi chu\u1ea9n (Substandard Class); Nh\u00f3m r\u1ee7i ro lo\u1ea1i tr\u1eeb (The Declined Risk).<\/p>\n

Ngo\u00e0i ra th\u1ea9m \u0111\u1ecbnh b\u1ea3o hi\u1ec3m c\u00f2n c\u00f3 c\u00e1c b\u01b0\u1edbc kh\u00f4ng k\u00e9m ph\u1ea7n quan tr\u1ecdng kh\u00e1c:<\/p>\n

T\u00ednh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 r\u1ee7i ro t\u00e0i ch\u00ednh (Acturial)<\/i><\/p>\n

B\u1ea3o hi\u1ec3m l\u00e0 ng\u00e0nh kinh doanh d\u1ef1a tr\u00ean c\u01a1 s\u1edf r\u1ee7i ro, t\u1ea5t c\u1ea3 c\u00e1c v\u1ea5n \u0111\u1ec1 nh\u01b0 t\u00ednh to\u00e1n ph\u00ed b\u1ea3o hi\u1ec3m, \u01b0\u1edbc l\u01b0\u1ee3ng m\u1ee9c b\u1ed3i th\u01b0\u1eddng d\u1ef1 ki\u1ebfn, tr\u00edch l\u1eadp d\u1ef1 ph\u00f2ng nghi\u1ec7p v\u1ee5, x\u00e1c \u0111\u1ecbnh doanh thu, chi ph\u00ed…\u0111\u1ec1u \u0111\u01b0\u1ee3c x\u00e1c \u0111\u1ecbnh tr\u00ean c\u01a1 s\u1edf \u01b0\u1edbc l\u01b0\u1ee3ng r\u1ee7i ro v\u00e0 c\u00e1c qui lu\u1eadt x\u00e1c su\u1ea5t th\u1ed1ng k\u00ea.\u00a0<\/p>\n

Do v\u1eady, nghi\u1ec7p v\u1ee5 t\u00ednh ph\u00ed b\u1ea3o hi\u1ec3m v\u00e0 t\u00ednh to\u00e1n r\u1ee7i ro t\u00e0i ch\u00ednh l\u00e0 nghi\u1ec7p v\u1ee5 r\u1ea5t \u0111\u1eb7c tr\u01b0ng, \u0111\u00f3ng vai tr\u00f2 c\u1ed1t l\u00f5i trong ho\u1ea1t \u0111\u1ed9ng c\u1ee7a c\u00e1c c\u00f4ng ty b\u1ea3o hi\u1ec3m.<\/p>\n

Gi\u1ea3i quy\u1ebft quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m (Claim Administration)<\/i><\/p>\n

B\u1ed9 ph\u1eadn \u0111\u1ec1n b\u00f9 b\u1ea3o hi\u1ec3m ti\u1ebfp nh\u1eadn y\u00eau c\u1ea7u b\u1ed3i th\u01b0\u1eddng b\u1ea3o hi\u1ec3m c\u1ee7a kh\u00e1ch h\u00e0ng, th\u1ea9m \u0111\u1ecbnh v\u00e0 \u0111\u00e1nh gi\u00e1 m\u1ee9c thi\u1ec7t h\u1ea1i th\u1ef1c t\u1ebf x\u1ea3y ra, t\u00ednh to\u00e1n m\u1ee9c \u0111\u1ec1n b\u00f9 ph\u00f9 h\u1ee3p v\u00e0 th\u1ef1c hi\u1ec7n vi\u1ec7c chi tr\u1ea3 quy\u1ec1n l\u1ee3i b\u1ea3o hi\u1ec3m cho c\u00e1c \u0111\u1ed1i t\u01b0\u1ee3ng ph\u00f9 h\u1ee3p theo h\u1ee3p \u0111\u1ed3ng b\u1ea3o hi\u1ec3m.\u00a0<\/p>\n

\u0110\u1ec1n b\u00f9 b\u1ea3o hi\u1ec3m c\u1ea7n th\u1ef1c hi\u1ec7n m\u1ed9t c\u00e1ch ch\u00ednh x\u00e1c v\u00e0 nhanh ch\u00f3ng nh\u1eb1m \u0111\u1ea3m b\u1ea3o quy\u1ec1n l\u1ee3i c\u1ee7a kh\u00e1ch h\u00e0ng. Nh\u01b0ng c\u0169ng c\u1ea7n th\u1eadn tr\u1ecdng t\u00ednh to\u00e1n m\u1ee9c \u0111\u1ec1n b\u00f9 ph\u00f9 h\u1ee3p v\u00e0 \u0111\u1eb7c bi\u1ec7t l\u00e0 ph\u00e1t hi\u1ec7n v\u00e0 \u0111i\u1ec1u tra c\u00e1c tr\u01b0\u1eddng h\u1ee3p c\u00f3 d\u1ea5u hi\u1ec7u tr\u1ee5c l\u1ee3i b\u1ea3o hi\u1ec3m.<\/p>\n

(T\u00e0i li\u1ec7u tham kh\u1ea3o: Gi\u00e1o tr\u00ecnh Th\u1ecb tr\u01b0\u1eddng t\u00e0i ch\u00ednh v\u00e0 c\u00e1c \u0111\u1ecbnh ch\u1ebf t\u00e0i ch\u00ednh, NXB Kinh t\u1ebf Th\u00e0nh ph\u1ed1 H\u1ed3 Ch\u00ed Minh)<\/i><\/p>\n<\/p><\/div>\n","protected":false},"excerpt":{"rendered":"

\n Th\u1ea9m \u0111\u1ecbnh b\u1ea3o hi\u1ec3m (ti\u1ebfng Anh: Underwriting) l\u00e0 m\u1ed9t qu\u00e1 tr\u00ecnh ph\u00e2n lo\u1ea1i, \u0111\u00e1nh gi\u00e1 v\u00e0 l\u1ef1a ch\u1ecdn r\u1ee7i ro c\u1ee7a c\u00f4ng ty b\u1ea3o hi\u1ec3m.\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\/26334"}],"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=26334"}],"version-history":[{"count":0,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/posts\/26334\/revisions"}],"wp:attachment":[{"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/media?parent=26334"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/categories?post=26334"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/masterskills.org\/blog\/wp-json\/wp\/v2\/tags?post=26334"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}