Bibliographic citations
Peña, A., García, M. (2019). Grado de eficiencia de los instrumentos de cobertura de riesgo: Microseguros [Trabajo de Suficiencia Profesional, Universidad Peruana de Ciencias Aplicadas (UPC)]. http://hdl.handle.net/10757/626451
Peña, A., García, M. Grado de eficiencia de los instrumentos de cobertura de riesgo: Microseguros [Trabajo de Suficiencia Profesional]. PE: Universidad Peruana de Ciencias Aplicadas (UPC); 2019. http://hdl.handle.net/10757/626451
@misc{sunedu/3008927,
title = "Grado de eficiencia de los instrumentos de cobertura de riesgo: Microseguros",
author = "García Aguirre, Margarita",
publisher = "Universidad Peruana de Ciencias Aplicadas (UPC)",
year = "2019"
}
Microinsurance is a management tool that allows controlling the risks to which small and medium-sized companies are exposed. Due to the low penetration of this product in the insurance market, it is intended to analyze the factors that influence the limited demand, such as the lack of adequate distribution channels, informality of small and medium enterprises (unbanked), lack of diffusion and poor insurance culture, as well as pricing according to the needs of the target market. The objective is to promote the penetration of microinsurance from a socio-economic perspective that provides the user with the protection of their heritage in the face of adverse situations, achieving that small and medium-sized companies are integrated into the insurance market. This will be viable to the extent that financial education and insurance culture are disseminated through the different programs promoted by the Superintendence of Banking and Insurance and private entities. The distribution strategy is one of the key factors that will allow the capture of policyholders and achieve a higher premium collection. With the growth of microinsurance, insurance companies will have the responsibility to analyze their offer by improving the design of the product and adapting it to the needs of the market.
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