MICROINSURANCE IN BRAZIL

Transcrição

1 MICROINSURANCE IN BRAZIL Latest utilização Developments menos gravosa dentre in Education, aquelas previstas Distribution na ANAC and Technology 9th International Microinsurance Conference 2013 Jakarta, 13/nov/2013

2 The Objetivo correspondent da Consulta: Amparo Legal para adoção de

3 The Objetivo correspondent da Consulta: Amparo Legal para adoção de

4 The Objetivo correspondent da Consulta: Amparo Legal para adoção de

5 The correspondent In 2000 around 30% of brazilian municipalities have not had access to financial Motivo services da Consulta: Demanda de Corretores para 37% of informal sector enterprises (2003!!) with up to 5 employees used to pay salaries through correspondents Between 1999 and 2003 the banking sector suffered its main revision. So, in 2004 every brazilian municipality has already access to formal financial services Pleito (25% do Corretor: offered exclusively Adotar by taxa correspondents) para utilização exclusiva de

6 Main elements of the model Technology Objetivo da employed Consulta: Amparo Legal para adoção de -Point of Sales (POS) -Bradesco Bank correspondents network (45,700) -100% of brazilian municipalities (5,565) -Easy Motivo operation da Consulta: (binary)/easy Demanda training de Corretores para -Good aceitação levels of de reliability aeronaves on e data precificação transmission com base na -Good VANs quality support Client access -Direct Exemplo: Utilizações previstas na ANAC: The multiplier -In some aspects similar rule of microcredit agent -Insurance Pleito do broker Corretor: (must Adotar be certified taxa para by SUSEP) utilização exclusiva de -Each Transporte one takes de care Passageiros, of a given mediante number of inserção correspondents Cláusula -Training Restritiva the na correspondent Apólice -Same Bradesco s rules applied to the correspondent -Close supervision VAN activities on POS`s (insurance offer) -Close supervison on the correspondent insurance selling

7 The Product Coverages and assistance -Accidental death -Funeral Motivo assistance da Consulta: Demanda de Corretores para Benefits -Monthly lottery (brazilian Federal Lottery) Other information -Annual periodicity -Cash MULTIPLA payment CATEGORIA TPX/SAE -30% total commercial loading Options Pleito of do plans Corretor: Adotar taxa para utilização exclusiva de 1)Sum insured: US$ 1, Lottery: US$ 1, Premium: US$ )Sum insured: US$ 2, Lottery: US$ 2, Premium: US$ )Sum insured: US$ 4, Lottery: US$ 4, Premium: US$ )Sum insured: US$ 6, Lottery: US$ 6, Premium: US$10.39

8 Monthly sales (units) Share (option of plan)_ - Until aug/13 -may/12: Objetivo 833 da Consulta: Amparo Plan 1 82% Legal (% of para the total adoção sold) de -jun/12: 1123 Plan 2 13% -jul/12: 1396 Plan 3 1% -aug/12: 2523 Plan 4-4% -sep/2012: oct/12: Motivo 1745 da Consulta: Demanda de Corretores para -nov/12: dec/12: 1432 Number of correspondents -jan/13: utilização 1251 menos gravosa -oct/12: dentre 168 aquelas previstas na ANAC -feb/13: nov/12: 169 -mar/13: dez/12: 178 -apr/13: jan/13: 181 -may/13: feb/13: 181 -jun/13: MULTIPLA 2661 CATEGORIA TPX/SAE -mar/13: 194 -jul/13: apr/13: 245 -aug/13: may/13: 326 -sep/13: jun/13: 414 -oct/13: Pleito 3180 do Corretor: Adotar -jul/13: taxa 450 para utilização exclusiva de Total Transporte (18 months): de 37,203 Passageiros, -aug/13: mediante 515 inserção de Cláusula -sep/13: 596 -oct/13: 632

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10 Selling procedures POS screen Choose option seguros (insurance) Plan options appear choose at POS the client s option After this the screen will show the necessary data for the operation conclusion Type CPF, ZIP, Phone and client birth date. CPF and birth date are mandatory..

11 Selling procedures POS screen Motivo da Consulta: Demanda pressing de Corretores confirm the para next screen will aceitação de aeronaves e precificação show the com message base Approval na After typing the correct data and Transaction with the certificate printing In case of CPF or birth date incorrect typing, after pressing confirm the screen will show the error message. Need to cancel that operation and star a new one.

12 Insurance certificate Lottery number Nº of Insurance Certificate Adhesion date/ CPF / Birth date/ Premium amount Concise information about the insurance adhesion Insurance company data

13 Communication Adhesives to the correspondent store

14 Communication Flyers to the correspondent store

15 aceitação de aeronaves THANK e precificação YOU com base na OBRIGADO rodolfo.ern@bradescoseguros.com.br +55 Pleito do Corretor: 1821 Adotar taxa para utilização exclusiva de