Análise comparativa de microsseguros de vida ofertados à população mais vulnerável aos riscos decorrentes da pobreza

Abstract

Since, the first two commercial operations, civilizations have developed ways to guard against uncertainties brought about by human actions or natural events, able to bring them damage, whether material or immaterial. Microinsurance is a mechanism to give protection to the gains and achievements of the low income population, and thus a tool to support the growth and progress of this underprivileged class. The objective was to compare, by means of documentary and bibliographic research, the Life Microinsurance service offered by the Banco do Brasil institutions, Caixa Econômica Federal, Banco Palmas and Banco Bradesco. It is classified as exploratory as to the purposes and on the means as literature and documents. Was working aspects of distribution channels, distribution partners, the description and distribution of products offered, claim management and maintenance policy of these institutions in the microinsurance sector life. Was also carried out a comparative study of the products of channels, with regard to the products themselves, the sales, payments and sinister. Showed up the strengths and weaknesses of microinsurance services offered by these institutions. It was noticed that the language of micro addressed by the institutions is not accessible to low-income public. Also it was found that the distribution channels of the four studied institutions are limited, taking into account that there are several options for distribution partners. The deadline for claim settlement Banco do Brasil, Caixa Econômica Federal and Bradesco are long, not as part of philosophy that is shrouded to microinsurance service, which says that this period should be 24-48 hours. However, Bradesco operates with the worst period of claim settlement. The Banco Palmas is the only financial institution that is closest to microinsurance characteristic in relation to the claim settlement period. In Brazil, create economic opportunity in the microinsurance market is a challenge for the institutions. Because it is a recent segment with new regulations, little knowledge of the consuming public (habits and customs) and a lack of technical evidence to suggest the best strategy to format a product that meets the needs of insurance companies and generate financial returns for institutions that offer microinsurance.