Planeamiento estratégico del sector de seguros
Date
2017-03-17
Journal Title
Journal ISSN
Volume Title
Publisher
Pontificia Universidad Católica del Perú
Abstract
El Sector de Seguros se encuentra en un momento clave, puesto que al 2017
confluyen variables importantes que si son aprovechadas correctamente, pueden generar un
punto de inflexión en la evolución de su crecimiento y penetración en el mercado nacional.
Dichas variables que se analizan en mayor detalle a lo largo del presente documento, son las
relacionadas con: (a) el crecimiento sostenido de la economía del país en los últimos 15 años;
(b) el importante desarrollo de la clase media; (c) la incorporación de herramientas
tecnológicas; y (d) la declarada intención de los últimos Gobiernos de turno, de avanzar en el
proceso de formalización de la economía del país.
Los factores clave de éxito del sector requieren mayor concientización y cultura de
aseguramiento; y en particular este exige: (a) distribución masiva, (b) procesos eficientes, (c)
sistemas integrados de gestión de clientes, (d) confianza hacia el sistema en general y las
compañías de seguro en particular, (e) herramientas tecnológicas de gestión, (f) enfoque en la
experiencia del cliente, (g) control de la siniestralidad, (h) control de gastos generales, y (i)
retención de cartera.
El presente plan estratégico representa una guía de ruta para que las variables
favorables mencionadas puedan ser aprovechadas adecuadamente a través del diseño de
estrategias que requieren el involucramiento tanto del sector privado a través de las
compañías de seguros y el gremio del sector en general, como del sector público a través de
su apoyo con las regulaciones y normas necesarias. Por otro lado, se incluye en el análisis
del sector a las compañías denominadas Insurtech, de quienes se espera un crecimiento
significativo a corto plazo.
Con el fin de facilitar la evolución y crecimiento del sector, se entregará el presente
plan estratégico a la Asociación Peruana de Empresas de Seguros (APESEG), para que
promueva su ejecución, especialmente en cuanto a la consolidación del clúster del Sector de
Seguros
The current environment for the Insurance Sector in Peru represents an excellent opportunity to growth and evolve, since there is a confluence of different variables, which can leverage the generation of an inflexion point to take the sector to another level, in terms of growth and market penetration. These variables, which are going to be analyzed in further detail along this document, are related to: (a) Sustained growth of Peruvian economy during the last 15 years, (b) the significant evolution of the middle class, (c) the increasingly rapid adoption of information technology tools, and (d) the well-known and declared intention to speed up the formalization process of the Peruvian economy. The key success factors of the insurance sector in Peru are related to a deeper and better awareness about the consciousness of being insured; and this requires: (a) massive distribution, (b) efficient processes, (c) integrated customer management systems, (d) building trust to insurance companies, (e) information technology tools for better management, (f) focus in customer experience, (g) efficient system for monitoring claims, (h) expense control, and (i) portfolio retention. The intention of this strategic plan is to build a set of guidelines to take advantage of the variables mentioned above, and leverage them with the proper execution of the outlined strategies, which will require the involvement of both, the private sector, represented by the insurance and related companies, as well as the public sector, through its support to the right legislation and regulation. On the other hand, the addition of the Insurtech companies has been made, in order to have a better and more accurate analysis of the sector, since there is an important growth expected from them in the near future. With the objective to facilitate the growth and evolution of the sector, this strategic plan will be handed to the Peruvian Association of Insurance Companies (APESEG), to have their support on its execution, specially in the consolidation of the Peruvian insurance cluster
The current environment for the Insurance Sector in Peru represents an excellent opportunity to growth and evolve, since there is a confluence of different variables, which can leverage the generation of an inflexion point to take the sector to another level, in terms of growth and market penetration. These variables, which are going to be analyzed in further detail along this document, are related to: (a) Sustained growth of Peruvian economy during the last 15 years, (b) the significant evolution of the middle class, (c) the increasingly rapid adoption of information technology tools, and (d) the well-known and declared intention to speed up the formalization process of the Peruvian economy. The key success factors of the insurance sector in Peru are related to a deeper and better awareness about the consciousness of being insured; and this requires: (a) massive distribution, (b) efficient processes, (c) integrated customer management systems, (d) building trust to insurance companies, (e) information technology tools for better management, (f) focus in customer experience, (g) efficient system for monitoring claims, (h) expense control, and (i) portfolio retention. The intention of this strategic plan is to build a set of guidelines to take advantage of the variables mentioned above, and leverage them with the proper execution of the outlined strategies, which will require the involvement of both, the private sector, represented by the insurance and related companies, as well as the public sector, through its support to the right legislation and regulation. On the other hand, the addition of the Insurtech companies has been made, in order to have a better and more accurate analysis of the sector, since there is an important growth expected from them in the near future. With the objective to facilitate the growth and evolution of the sector, this strategic plan will be handed to the Peruvian Association of Insurance Companies (APESEG), to have their support on its execution, specially in the consolidation of the Peruvian insurance cluster
Description
Keywords
Seguros - Perú, Planificación estratégica