Objetivo da Consulta: Amparo Legal para adoção de Cláusula Restritiva de Utilização para aeronaves BRADESCO SEGUROS A MULTI-CHANNEL APPROACH

Transcrição

1 BRADESCO SEGUROS A MULTI-CHANNEL APPROACH 10th International Microinsurance Conference 2014 Mexico DF, 13/nov/2014

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 (main activity) (base: Bradesco Expresso database) -21%...retail Motivo da Consulta: (eletro, Demanda furniture, clothes, de Corretores etc,) para -18%...pharmacy -23%...supermarket/grocery -6%...construction material store (bricks, cement, plumbery, etc.) -32%.other activities

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 Original Product (Bradesco Expresso Premiável) 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 The New Product (Microsseguro Protecao Premiável) Coverages and assistance -Accidental death -Funeral Motivo assistance da Consulta: (accidental Demanda or natural death) de Corretores para -Cesta Básica assistance (accidental or natural death) for 2 months Benefits -Monthly lottery (brazilian Federal Lottery) Other information -Annual Exemplo: periodicity Utilizações previstas na ANAC: -Cash payment The coverages Sum insured: US$ 1, Lottery: US$ 9, Premium: US$ Cesta Pleito básica: do US$ Corretor: month Adotar taxa para utilização exclusiva de Obs,: Cesta básica would be a basket (figurative) containing the minimum amount of food (weat, sugar, rice, beans, soy oil,, etc,) to keep alive a typical family during one month

9 Bradesco Expresso Premiável Balance (From Objetivo may/2012 da Consulta: until jun/2014) Amparo Legal para adoção de Total number of sales Total utilização premium...r$ menos gravosa dentre aquelas 324 thousand previstas na ANAC Total number of correspondents Total number of multipliers...68 (US$ 120 thousand)

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11 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..

12 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.

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

14 Communication Adhesives to the correspondent store

15 Parecer do Jurídico Communication Flyers to the correspondent store

16 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