toggle menu
IE Business School
Comercio

MICROSEGUROS. RETOS Y OPORTUNIDADES

La vida, los accidentes o las enfermedades, son algunos de los riesgos a los que todos estamos expuestos. Sin embargo, los efectos que un suceso adverso puede tener no son iguales para todos. La base de la pirámide social, compuesta por personas pobres o vulnerables sufren de una forma más severa las consecuencias de un acontecimiento negativo debido al mayor impacto que tiene en sus reducidas economías familiares. Un accidente, por ejemplo, para una persona que ha creado un pequeño negocio, no sólo supone una pérdida de ingresos que es vital para su subsistencia y la de su familia, sino que, además, puede conllevar unos gastos extraordinarios que muy difícilmente puede afrontar.

La creación de sistemas de aseguramiento especiales como los microseguros que reducen la situación de vulnerabilidad de las personas son instrumentos de generación de riqueza para la economía. Desde el punto de vista del asegurado, limitan las pérdidas sufridas como consecuencia de un hecho adverso y le ayuda a desarrollar actividades de una forma más sólida generando mayores oportunidades de beneficio, estabilidad financiera y un progreso sostenible. Desde el punto de vista de la sociedad en su conjunto, reducen el coste social disminuyendo la pobreza de los países.

A nivel global, este mercado que cubre en la actualidad a 280 millones de personas ha mostrado, desde su aparición, un crecimiento anual superior al 10%, porcentaje que, según las estimaciones, podría superarse en los próximos años. Sin embargo, según los expertos, tan solo un 5% de la población potencial estaría cubierta.

Tanto aseguradores como gobiernos, organizaciones internacionales de ayuda y especialmente el Banco Mundial coinciden en reconocer el potencial que esta actividad tiene para reducir la vulnerabilidad de las clases más bajas de la sociedad y la necesidad de impulsarlo como parte integrante del modelo genérico de las Microfinanzas.

Las Microfinanzas, se componen necesariamente de una serie de servicios de acompañamiento y de productos financieros (entre ellos, el microseguro), cuyo principal objetivo es rescatar de la situación de vulnerabilidad al beneficiario de las mismas, asistiéndole en su potencialidad de prosperar a través de la realización, en la mayoría de los casos, de una actividad empresarial. El microseguro es una garantía adicional para el beneficiario que le otorga una seguridad necesaria para que eventualidades tan habituales como una enfermedad o accidente, no interrumpan definitivamente su ansia de prosperidad.

De acuerdo a los informes publicados por la consultora Microinsurance Centre LLP, los productos de vida y accidentes son los más demandados superando entre ambos el 75% del volumen total de pólizas, seguidos por salud y los vinculados a la agricultura y propiedades.

Una de las razones del éxito de los primeros puede atribuirse a que, por regla general, son muy sencillos y fáciles de contratar haciéndolos, a los ojos de los asegurados, unos productos muy transparentes.
En el otro extremo, tanto los seguros agrícolas como los patrimoniales encuentran la dificultad para su expansión en la falta de conocimiento por la sociedad a la que va dirigida, así como la problemática a la que se enfrentan las aseguradoras por la alta exposición al fraude y el riesgo moral que suponen.

A pesar del fuerte crecimiento experimentado, la expansión del microseguro se encuentra con barreras importantes:
Primero, la falta de acceso al mercado asegurador de las personas pobres unido a la falta de cultura financiera en general y aseguradora en particular. Es evidente que si los clientes no entienden en qué medida un seguro es una herramienta para mitigar el riesgo y los beneficios que pueden encontrar en él, difícilmente llegarán a su contratación. A esto hay que añadir que un producto vendido a una persona de recursos limitados tiene un coste inferior que un seguro tradicional, sin embargo, medido en términos de impacto sobre su economía familiar supone una inversión considerable, en ocasiones, difícil de asumir.

Segundo, las entidades aseguradoras se encuentran con una problemática especial. Los microseguros no son directamente escalables de los productos tradicionales que ofrecen y precisan nuevas líneas de negocio que, en principio, no parecen ser rentables por las coberturas y primas bajas que requieren. Esto les obliga a crear productos bien administrados, con estructuras de gastos eficientes y, lo que es más importante, desarrollados a gran escala.

Tercero, nos encontramos con la realidad de que a menudo no se reconocen las oportunidades de este mercado o los beneficios secundarios que puede tener como la estabilidad financiera.
Por último, e interconectado con la problemática señalada anteriormente, la existencia de una esperada normativa microfinanciera otorgaría la siempre imprescindible seguridad jurídica a todos los intervinientes en el sector (beneficiarios, entidades aseguradoras, reguladores, etc) definiendo el funcionamiento de estos productos y facilitando la implantación y desarrollo del mismo.
Entre las soluciones que se apuntan están el establecimiento de alianzas público privadas para el desarrollo de este mercado, introducción de herramientas fáciles y rápidas tanto para la suscripción como para el pago de siniestros, productos nuevos, sencillos y que no requieran ingentes cantidades de información ni selección de riesgos y la reducción de gastos.

Un ejemplo claro de que el establecimiento de estas soluciones es posible y viable está en el mayor esquema de microseguro del mundo que ha sido implantado en la India. El gobierno desarrolló una iniciativa por la que, con carácter obligatorio, un determinado porcentaje de las pólizas suscritas por las entidades debía destinarse a las capas más bajas de la sociedad. De esta forma, el gobierno, en vez de financiar las primas de estos seguros, facilitó un sistema aunando esfuerzos con bancos y aseguradoras por el cual los clientes podían contratar las pólizas a muy bajo precio. Gracias a esta iniciativa, más de 122 millones de personas han sido aseguradas con productos de vida y accidentes.

Sin duda, a nivel mundial todavía hacen falta muchos esfuerzos conjuntos para impulsar y reconocer el mercado de los microseguros como rentable y de confianza.

Ana Díez Brezmes. Directora Ejecutiva de Center for Insurance Research
Pablo Serrano de Haro Martínez. Socio de Fiscal de Clifford Chance y Director del Comité RSC de Clifford Chance España.

197 Replies to “MICROSEGUROS. RETOS Y OPORTUNIDADES

  1. Eduardo Garcia dice:

    Seguros y asegurar a los empleadores de las causas y conflictos laborales , que no son accidentes y vida.
    Las ART aseguradoras de riesgo de trabajo , debería contar con el riesgo mayor «el conflicto » que son las demandas , por no cumplimiento y otras innumerables.
    Y los gobiernos deben hacerse cargo de estas anomalías , como asi permitir a los menores con permiso de sus padres trabajar en un marco de enseñanza y capacitación.
    Así se vera que la taza de desempleo sera muy baja , pues con disponibilidad y seguro del empleador de que los riesgos (Todos ) cuentan con un seguro y el estado colabora con ello nos aseguramos que todo el que pretende emplear a una persona no necesita pedir informes .
    Con ello se eliminan muchas trabas y exigencias que cierran las puertas a quienes realmente quieren trabajar.
    Avanzamos mucho con las ART y como opinión y experiencia basada en hechos , el faltante social a una demanda laboral es a seguridad de que el empleador no sea victima de infames delitos laborales judiciales.
    La violencia es parte de la discriminación producto de estas causas citadas .
    Es igualdad ante la ley y seguridad que no se infrinjan .
    Las aseguradoras pondrán énfasis en que cumplan las partes involucradas.
    Y el Estado tendrá la posibilidad de encausar la fuerza laboral ,hoy sin empleo.

  2. Pingback: viagra online us
  3. Pingback: otc cialis
  4. Pingback: generic for cialis
  5. Pingback: cialis walmart
  6. Pingback: Free viagra
  7. Pingback: prices of cialis
  8. Pingback: cheap viagra
  9. Pingback: cheap viagra
  10. Pingback: online pharmacy
  11. Pingback: canadian pharmacy
  12. Pingback: generic cialis
  13. Pingback: generic cialis
  14. Pingback: levitra price
  15. Pingback: vardenafil cost
  16. Pingback: vardenafil online
  17. Pingback: viagra viagra
  18. Pingback: payday advance
  19. Pingback: cash loan
  20. Pingback: personal loans
  21. Pingback: viagra pills
  22. Pingback: 20 cialis
  23. Pingback: cialis 20
  24. Pingback: cialis 5 mg
  25. Pingback: 20 cialis
  26. Pingback: new cialis
  27. Pingback: cialis 5 mg
  28. Pingback: free slots online
  29. Pingback: free slots online
  30. Pingback: cialis buy online
  31. Pingback: Drug viagra
  32. Pingback: Approved viagra
  33. Pingback: Generic viagra us
  34. mhAVvJ It as not that I want to replicate your web site, but I really like the pattern. Could you tell me which theme are you using? Or was it especially designed?

  35. Whoa! This blog looks exactly like my old one! It as on a completely different subject but it has pretty much the same layout and design. Wonderful choice of colors!

  36. There are issues that are based on intelligence and reasoning, which can only be achieved if we standardize the laws of our countries, or the concept of what we want as a society, and we all think the same to achieve a huge technological advance accompanied with the fundamental base that is the humanity of the actions.
    If it is the same ,,, maybe if there is a boss, the boss who wants to see her dreams come true as a child, to see happy people.

  37. IaаАа’б‚Т€ТšаЂаŒаАа’б‚Т€ТžаБТžd need to check with you here. Which is not something I normally do! I enjoy reading a post that will make men and women believe. Also, thanks for allowing me to comment!

  38. Just Browsing While I was browsing yesterday I noticed a great post concerning

  39. Muchos Gracias for your blog article.Thanks Again. Want more.

  40. I truly appreciate this blog article.Much thanks again. Awesome.

  41. Im thankful for the post.Really thank you! Great.

  42. dewatogel dice:

    I truly appreciate this post. I?аАТ’аЂа†ve been looking everywhere for this! Thank goodness I found it on Bing. You ave made my day! Thx again

  43. I really liked your blog post.Thanks Again. Really Cool.

  44. Very good article. I certainly appreciate this website. Keep writing!

  45. Your style is so unique in comparison to other people I ave read stuff from. Thanks for posting when you ave got the opportunity, Guess I will just book mark this blog.

  46. Tattoo Shops dice:

    Incredible the following some hair extensions fit nicely to the your natural hair while others do not fit easily,

  47. You ave made some really good points there. I checked on the web for additional information about the issue and found most people will go along with your views on this web site.

  48. Wow! This can be one particular of the most useful blogs We have ever arrive across on this subject. Actually Great. I am also a specialist in this topic therefore I can understand your hard work.

  49. You clearly know your stuff. Wish I could think of something clever to write here. Thanks for sharing.

  50. Wow, superb blog layout! How lengthy have you been blogging for? you make blogging look straightforward. The all round look of one as webpage is excellent, let alone the content material!

  51. wow, awesome article.Really thank you! Keep writing.

  52. very nice submit, i actually love this website, keep on it

  53. Way cool! Some extremely valid points! I appreciate you penning this article plus the rest of the site is really

  54. Really appreciate you sharing this blog article.Really looking forward to read more. Fantastic.

  55. You ave made some good points there. I looked on the internet for additional information about the issue and found most individuals will go along with your views on this website.

  56. direct link dice:

    Some genuinely good content on this internet site , regards for contribution.

  57. I value the post.Really looking forward to read more. Fantastic.

  58. wow, awesome blog.Much thanks again. Really Great.

  59. You ave made some good points there. I checked on the web for more information about the issue and found most individuals will go along with your views on this website.

  60. The Silent Shard This will possibly be really helpful for a few of your jobs I intend to will not only with my blog site but

  61. zlato dice:

    I think this is a real great article post. Much obliged.

  62. your intelligence on just posting videos to your site when you

  63. benh teo nao dice:

    If some one wants to be updated with hottest technologies afterward he must be

  64. Or maybe a representative speaking on behalf of the American University,

  65. sex is pretty hot topic at the moment. I was just talking to my brother about the exact same issue the other day.

  66. I?ve recently started a blog, the information you offer on this web site has helped me tremendously. Thanks for all of your time & work.

  67. You are my inspiration , I have few blogs and infrequently run out from to brand.

  68. Really informative article post.Thanks Again. Fantastic.

  69. M3U File dice:

    Thankyou for this marvelous post, I am glad I found this website on yahoo.

  70. It is truly a great and useful piece of information. I am satisfied that you just shared this useful info with us. Please stay us informed like this. Thanks for sharing.

  71. This is one awesome blog post. Fantastic.

  72. This particular blog is obviously awesome and also factual. I have picked a bunch of helpful tips out of it. I ad love to go back again and again. Thanks a lot!

  73. Im obliged for the blog article.Really looking forward to read more. Much obliged.

  74. I think other web-site proprietors should take this website as an model, very clean and great user genial style and design, let alone the content. You are an expert in this topic!

  75. Nice post. I was checking constantly this blog and I

  76. Very good article.Much thanks again. Awesome.

  77. My brother recommended I might like this blog. He was entirely right. This post truly made my day. You can not imagine simply how much time I had spent for this information! Thanks!

  78. This blog is without a doubt educating and besides amusing. I have found a bunch of handy stuff out of this source. I ad love to come back again soon. Thanks a lot!

  79. Well I really liked studying it. This post provided by you is very useful for correct planning.

  80. This site was how do I say it? Relevant!! Finally I ave found something which helped me. Cheers!

  81. Thanks again for the article.Much thanks again. Fantastic.

  82. You ave made some really good points there. I looked on the internet for more information about the issue and found most people will go along with your views on this web site.

  83. westendsm dice:

    Thanks so much for the blog.Thanks Again. Keep writing.

  84. Thanks again for the blog article.Really thank you! Much obliged.

  85. This can be a really very good study for me, Should admit which you are one of the best bloggers I ever saw.Thanks for posting this informative article.

  86. information you provide here. Please let

  87. girlswinmn dice:

    Utterly pent subject material, Really enjoyed reading through.

  88. Lovely blog! I am loving it!! Will come back again. I am taking your feeds also

  89. Im thankful for the blog post. Want more.

  90. wonderful points altogether, you simply gained a brand new reader. What would you suggest in regards to your post that you made some days ago? Any positive?

  91. I think other web-site proprietors should take this web site as an model, very clean and fantastic user friendly style and design, as well as the content. You are an expert in this topic!

  92. make my blog jump out. Please let me know where you got your design.

  93. girlswinmn dice:

    really very good submit, i basically adore this website, keep on it

  94. Tattoo dice:

    I think this is a real great post.Really thank you! Much obliged.

  95. Tattoo Shops dice:

    This website definitely has all of the information and facts I wanted concerning this subject and didn at know who to ask.

  96. Perfectly written content , appreciate it for information.

  97. There as definately a great deal to learn about this topic. I really like all the points you have made.

  98. Thanks-a-mundo for the blog article.Really thank you! Want more.

  99. we came across a cool web site which you could love. Take a appear when you want

  100. Your style is very unique in comparison to other people I ave read stuff from. Thanks for posting when you have the opportunity, Guess I all just bookmark this page.

  101. It as not that I want to copy your web site, but I really like the design. Could you tell me which theme are you using? Or was it tailor made?

  102. This is a very good tip especially to those fresh to the blogosphere. Simple but very precise info Thanks for sharing this one. A must read article!

  103. Thanks again for the article post.Much thanks again. Really Great.

  104. I seriously love your blog.. Excellent colors theme. Did you create this website yourself? Please reply back as I

  105. Really appreciate you sharing this article post.Thanks Again. Really Great.

  106. Thanks-a-mundo for the blog article.Really looking forward to read more. Really Cool.

  107. Im obliged for the blog article.Really looking forward to read more. Cool.

  108. Really appreciate you sharing this article post. Great.

  109. Just discovered this blog through Yahoo, what a way to brighten up my day!

  110. Major thanks for the blog post.Thanks Again. Want more.

  111. I will immediately grab your rss feed as I can at find your e-mail subscription link or newsletter service. Do you ave any? Please let me know in order that I could subscribe. Thanks.

  112. Wow, amazing blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your website is excellent, let alone the content!

  113. Really enjoyed this post, is there any way I can get an alert email when you make a new post?

  114. This page definitely has all of the information and facts I needed about this subject and didn at know who to ask.

  115. There as definately a great deal to learn about this topic. I like all the points you have made.

  116. check out dice:

    Looking around I like to surf around the online world, often I will just go to Stumble Upon and follow thru

  117. Im obliged for the article.Thanks Again. Much obliged.

  118. wow, awesome blog post.Really looking forward to read more. Awesome.

  119. I truly appreciate this post.Really thank you! Much obliged.

  120. You may have some real insight. Why not hold some kind of contest for your readers?

  121. Regards for this wondrous post, I am glad I detected this web site on yahoo.

  122. company seo dice:

    Wow, awesome blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your website is great, let alone the content!

  123. I truly appreciate this post. I have been looking everywhere for this! Thank goodness I found it on Bing. You ave made my day! Thx again!

  124. Normally I do not read article on blogs, however I wish to say that this write-up very forced me to check out and do it! Your writing style has been amazed me. Thanks, quite nice article.

  125. The whole look of your web site is fantastic, let well as the content material! Excellent weblog right here! Additionally your site quite a bit up very fast!

  126. wordpress dice:

    tarot amor si o no horoscopo de hoy tarot amigo

  127. This is a very good tip especially to those fresh to the blogosphere. Simple but very precise info Thanks for sharing this one. A must read article!

  128. Well I really liked reading it. This article offered by you is very constructive for proper planning.

  129. eastcasino dice:

    I welcome all comments, but i am possessing problems undering anything you could be seeking to say

  130. Vidy Mining dice:

    I was recommended this web site by my cousin. I am not sure whether this post is written by him as no one else know such detailed about my difficulty. You are amazing! Thanks!

  131. Wow, fantastic weblog structure! How lengthy have you been running a blog for? you make blogging look easy. The entire glance of your site is great, let alone the content material!

  132. wordpress dice:

    You have made some really good points there. I looked on the net to learn more about the issue and found most individuals will go along with your views on this website.

  133. web so sanh dice:

    Way cool! Some extremely valid points! I appreciate you writing this write-up and the rest of the website is also really good.

  134. info for a very lengthy time. Thank you and good luck.

  135. review top dice:

    Muchos Gracias for your post.Thanks Again. Awesome.

  136. Right now it appears like Drupal is the best blogging platform available right now. (from what I ave read) Is that what you are using on your blog?

  137. You forgot iBank. Syncs seamlessly to the Mac version. LONGTIME Microsoft Money user haven\ at looked back.

  138. joker123 apk dice:

    Wow! Thank you! I continually wanted to write on my blog something like that. Can I take a portion of your post to my website?

  139. It as hard to come by educated people for this topic, however, you seem like you know what you are talking about! Thanks

  140. Spot on with this write-up, I really assume this web site needs much more consideration. I all in all probability be again to learn rather more, thanks for that info.

  141. This is a really good tip particularly to those new to the blogosphere. Short but very precise information Thanks for sharing this one. A must read post!

  142. Wow, great article post.Really looking forward to read more. Much obliged.

  143. only two thousand from the initial yr involving the starting

  144. Looking forward to reading more. Great post.Really looking forward to read more. Fantastic.

  145. Thanks a lot for the blog article.Really thank you! Fantastic.

  146. Im no professional, but I imagine you just made an excellent point. You clearly comprehend what youre talking about, and I can really get behind that. Thanks for staying so upfront and so genuine.

  147. you may have a terrific weblog right here! would you prefer to make some invite posts on my weblog?

  148. m88 dice:

    It is hard to uncover knowledgeable individuals with this topic, nonetheless you look like there as extra that you are referring to! Thanks

  149. Wow, fantastic blog structure! How lengthy have you been running a blog for? you made running a blog look easy. The entire glance of your site is excellent, as well as the content material!

  150. Muchos Gracias for your blog article.Much thanks again. Keep writing.

  151. Very neat article post.Much thanks again.

  152. Normally I do not learn article on blogs, however I wish to say that this write-up very pressured me to try and do it! Your writing style has been amazed me. Thanks, quite nice article.

  153. This very blog is definitely entertaining additionally factual. I have picked many interesting advices out of this blog. I ad love to go back over and over again. Thanks a bunch!

  154. When I look at your blog in Safari, it looks fine but

  155. child porn dice:

    Thank you a lot for sharing this with all folks you really recognise what you are talking about! Bookmarked. Please also talk over with my website =). We may have a link alternate contract among us!

  156. I think this is a real great article. Keep writing.

  157. Wow, that as what I was seeking for, what a stuff! present here at this blog, thanks admin of this site.

  158. Wow, marvelous blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your website is magnificent, let alone the content!

  159. There is noticeably a bundle to know about this. I assume you made certain nice factors in features also.

  160. Sweet blog! I found it while surfing around on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I ave been trying for a while but I never seem to get there! Appreciate it

  161. It as impressive that you are getting ideas from this article as well as from our dialogue made here.

  162. You, my friend, ROCK! I found just the info I already searched everywhere and simply could not find it. What a great web-site.

  163. dewatogel dice:

    I?ve learn a few just right stuff here. Definitely worth bookmarking for revisiting. I wonder how so much attempt you put to make this kind of excellent informative website.

  164. Utterly indited content material, Really enjoyed studying.

  165. Spot on with this write-up, I truly think this website needs much more consideration. I?ll probably be again to read much more, thanks for that info.

  166. Really enjoyed this article post.Thanks Again. Want more.

  167. Looking around While I was browsing today I saw a great post about

  168. Supporters of Manchester United, City, Chelsea and Arsenal. He was also named the World Soccer Player of the Year.

  169. Wow, awesome blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your web site is magnificent, as well as the content!

  170. You have made some decent points there. I checked on the internet for additional information about the issue and found most individuals will go along with your views on this site.

  171. wonderful post, very informative. I wonder why the other specialists of this sector don at notice this. You must continue your writing. I am confident, you ave a great readers a base already!

  172. Thanks for the blog article.Thanks Again. Awesome.

  173. Thanks so much for the blog post.Really looking forward to read more. Much obliged.

Deja una respuesta

Tu dirección de correo electrónico no será publicada. Los campos obligatorios están marcados con *