Mercado de seguros y poblaciones de bajos ingresos


El nivel de acceso que tiene la población a servicios financieros ha ido en aumento con el pasar de los años. Si centramos nuestra atención en el sector de seguros, veremos que este ha ido creciendo a un promedio anual de 16% desde el 2006. A pesar de esta evolución, la penetración de los seguros en nuestro país es una de las más bajas de Sudamérica, representando solo el 1.5% del PBI total.

Un estudio realizado por la SBS en 2012 muestra que la baja penetración de los seguros en el mercado peruano se debe a que gran parte de la población no tiene acceso a ellos. Aquí nos referimos a los segmentos de menores ingresos (C, D y E). Un estudio realizado por la compañía de seguros La Positiva en 2011 muestra que el 77,5% de la población total no gozaba con ningún tipo de cobertura de seguros. Dentro de muchos factores, uno de los motivos que mantienen alejados a estos segmentos de la población son sus preferencias y su percepción sobre el mercado de seguros.

Básicamente, las personas dentro de estos segmentos consideran el seguro como un producto intangible y sin beneficios claros. Más aún, el 60% de encuestados por DATUM en 2012 manifestó que confía poco en las compañías de seguros. Esta sensación tiene su origen en el desconocimiento de la manera en que opera el negocio de los seguros, ya que se tiene la idea de que estos obtienen sus utilidades evitando pagar los siniestros.

Los mecanismos que tienen las personas de los segmentos C, D y E para hacer frente a eventos inesperados que afectan el hogar son sus ahorros o préstamos informales. En específico, para ocasiones como enfermedades graves, fallecimiento de un familiar, deslizamiento de tierras, lluvias intensas, inundaciones, vandalismo y terrorismo y accidentes laborales. Sin embargo, el problema es que la tasa de ahorro de esta población no es constante. Así, suele ocurrir que el monto ahorrado no es suficiente para asumir todos los gastos que se presentan. Esto suele suceder con mayor frecuencia en casos de fallecimiento de un familiar y enfermedades graves. En dichas situaciones, se recurre a préstamos, colectas de fondos dentro de sus comunidades o aportes dentro de la familia nuclear.

Como vemos, hay mucho mercado al cual la industria de seguros no ha llegado. Una alternativa para poblaciones de las características de los segmentos C, D y E son los microseguros. Los cuales no son otra cosa que productos ofrecidos por las empresas de seguros, pero con condiciones favorables a poblaciones de bajos recursos. Según información de la SBS, el mercado de microseguros está en crecimiento y empezando a diversificarse, pero aún es necesaria la mejora del marco que los regula.


(Fuente: Superintendencia de Banca, Seguros y AFP, Access to Insurance Iniciative, & Multilateral Investment Fund. 2014. Fomento del acceso a los seguros en el Perú: Cambios en el entorno de los seguros en beneficio de la población poco y no atendida. Datum International. 2012. Estudio sobre el grado de conocimiento y percepción de los productos y servicios de seguros. Lima: SBS.)

Andrés Rosas
Economista PUCP. Disfruto investigando sobre los temas que más afectan a nuestra economía. Recontra futbolero y nadador por afición. Tengo la certeza de que la lectura es la cura para nuestros problemas.

Deja tu comentario

Loading Facebook Comments ...


  1. Like

    Enero 11, 2019 at 11:23 am

    Like!! Really appreciate you sharing this blog post.Really thank you! Keep writing.

  2. click here

    Febrero 19, 2019 at 1:26 am

    Good info. Lucky me I reach on your website by accident, I bookmarked it.

  3. yeezy 700

    Marzo 15, 2019 at 3:45 pm

    I precisely needed to thank you very much yet again. I’m not certain what I could possibly have implemented without the type of solutions contributed by you about that area of interest. It had become an absolute scary setting for me personally, nevertheless witnessing the well-written tactic you handled the issue took me to cry with happiness. I am happier for your help and believe you are aware of a great job your are providing training many people through the use of your web page. I know that you’ve never met any of us.

  4. yeezy boost

    Marzo 15, 2019 at 7:32 pm

    I and my pals were looking at the excellent ideas from your site and immediately I got a terrible feeling I never thanked the site owner for those strategies. All the people ended up absolutely very interested to read all of them and now have clearly been tapping into these things. Appreciation for genuinely well helpful and then for making a choice on this kind of superior information most people are really desirous to understand about. My personal honest regret for not expressing appreciation to earlier.

  5. yeezy boost

    Marzo 16, 2019 at 8:06 pm

    Thanks for your entire hard work on this web page. Kim really loves managing research and it is easy to understand why. A number of us notice all concerning the lively tactic you provide reliable tips via this web site and as well strongly encourage contribution from people on that issue then our favorite simple princess is in fact understanding a whole lot. Have fun with the remaining portion of the new year. You have been doing a terrific job.

  6. jordan retro 6

    Marzo 18, 2019 at 2:10 am

    I want to point out my respect for your kindness in support of men and women who really need guidance on in this matter. Your very own commitment to getting the solution throughout came to be amazingly useful and have always permitted individuals like me to achieve their objectives. Your personal important advice implies this much to me and extremely more to my peers. Many thanks; from each one of us.

  7. golden goose sneakers

    Marzo 19, 2019 at 7:24 am

    I’m also commenting to make you understand of the amazing experience my child encountered using your webblog. She noticed a good number of pieces, most notably what it is like to have an amazing teaching character to make others just grasp specific specialized issues. You really surpassed visitors’ expectations. Thank you for churning out these interesting, trustworthy, explanatory as well as unique tips about this topic to Tanya.

  8. kyrie 4

    Marzo 20, 2019 at 3:48 pm

    I am just commenting to let you know of the outstanding encounter my child gained viewing your site. She even learned a good number of details, with the inclusion of how it is like to possess a marvelous giving character to have other individuals clearly completely grasp selected tricky things. You truly did more than our own expectations. I appreciate you for presenting those helpful, trusted, edifying and easy guidance on this topic to Gloria.

  9. yeezy boost 350

    Marzo 21, 2019 at 8:34 pm

    I and also my guys have already been reading through the excellent procedures from your web site and then quickly I had a horrible suspicion I had not thanked the web site owner for those secrets. My men became consequently glad to study them and have now in fact been making the most of those things. Thanks for truly being well thoughtful and for getting variety of fabulous ideas millions of individuals are really desperate to understand about. My sincere regret for not expressing appreciation to you sooner.

  10. coach outlet online

    Marzo 21, 2019 at 9:00 pm

    I am also writing to let you know what a awesome experience my friend’s daughter went through reading through your web page. She noticed so many things, which included what it is like to possess an ideal coaching style to have other people just understand specified tortuous subject areas. You really surpassed readers’ expectations. Thank you for providing the beneficial, healthy, explanatory not to mention easy tips about your topic to Evelyn.

  11. fila shoes

    Marzo 23, 2019 at 10:05 am

    I happen to be commenting to make you know of the amazing encounter our girl undergone viewing the blog. She picked up many pieces, not to mention what it’s like to possess a wonderful helping character to make a number of people smoothly completely grasp a variety of advanced subject matter. You really surpassed our expectations. Thanks for giving those helpful, trusted, edifying not to mention cool thoughts on that topic to Tanya.

  12. bape hoodie

    Marzo 24, 2019 at 4:02 pm

    Thanks a lot for giving everyone a very memorable possiblity to discover important secrets from this web site. It is usually so kind and jam-packed with a great time for me and my office colleagues to visit your web site particularly thrice in a week to study the fresh items you will have. And indeed, we are at all times motivated with all the eye-popping things you give. Some 4 tips in this post are unequivocally the finest we’ve ever had.

  13. nike air max

    Marzo 25, 2019 at 8:34 pm

    My husband and i have been quite peaceful Albert could conclude his survey through your precious recommendations he came across out of your web pages. It’s not at all simplistic to just continually be freely giving thoughts that many other folks might have been making money from. So we consider we have the writer to appreciate because of that. All the illustrations you’ve made, the straightforward site navigation, the friendships you can help to create – it’s mostly awesome, and it’s aiding our son in addition to our family believe that this theme is thrilling, which is certainly really serious. Thanks for the whole thing!

  14. nike flyknit trainer

    Marzo 28, 2019 at 3:29 pm

    I enjoy you because of all of the labor on this web site. Kim enjoys working on research and it is easy to see why. My spouse and i hear all regarding the compelling method you offer sensible information by means of the web blog and even inspire participation from people on the subject so our favorite simple princess is learning a whole lot. Enjoy the remaining portion of the new year. You’re carrying out a wonderful job.

  15. StevDrilab

    Mayo 12, 2019 at 9:58 pm

    Over The Counter Fertility Drugs Lyme Disease Keflex canadian cialis Cephalexin Oral Suspension Dosage Stendra Where To Purchase


    Mayo 22, 2019 at 12:09 pm

    And this is an investment threat value taking.

  17. Kenneth

    Mayo 25, 2019 at 7:05 pm

    That is true for funding recommendation as properly.


    Mayo 27, 2019 at 11:33 am

    Thanks for your interest in Investment Advice.


    Junio 1, 2019 at 1:18 pm

    A monetary advisor is your planning accomplice.

  20. StevDrilab

    Junio 1, 2019 at 2:20 pm

    Kamagra Online In Svizzera Propecia Algarve Cialis Prices Canada viagra Viagra Generika Schnelle Lieferung Levitra Orosolubile 5 Mg Prezzo Cialis Online Originale

  21. Cliff

    Junio 1, 2019 at 4:30 pm

    Traders do pay direct and indirect costs.


    Junio 7, 2019 at 8:21 am

    All forms of investments include certain risks.

  23. Mckenzie

    Junio 7, 2019 at 4:23 pm

    Now it is time to choose your particular investments.


    Junio 11, 2019 at 12:38 am

    Now it is time to decide your specific investments.


    Junio 11, 2019 at 9:14 pm

    And this is an investment danger worth taking.


    Junio 18, 2019 at 8:14 am

    Buyers do pay direct and indirect prices.

  27. 457F3C47-96BA-479F-926C-9F292B9DB1DA

    Junio 19, 2019 at 3:05 am

    I as well as my friends have been checking the great information and facts located on your site then the sudden got a horrible feeling I had not expressed respect to the web site owner for them. All the ladies were definitely absolutely warmed to study them and already have honestly been tapping into those things. Appreciate your getting quite considerate as well as for finding some outstanding subject matter millions of individuals are really needing to be informed on. Our honest apologies for not saying thanks to earlier.


    Junio 21, 2019 at 1:59 am

    Investors do pay direct and oblique costs.

  29. yeezy boost 350

    Julio 5, 2019 at 12:21 am

    very good publish, i actually love this website, carry on it

  30. nmd

    Julio 5, 2019 at 4:03 am

    Thanks a lot for providing individuals with a very pleasant opportunity to read in detail from this web site. It is often very enjoyable and also full of a great time for me personally and my office friends to search your web site nearly 3 times a week to find out the new stuff you have got. And of course, we’re always happy considering the breathtaking advice served by you. Selected 4 areas in this post are surely the very best I have had.

  31. supreme

    Julio 7, 2019 at 4:53 am

    Thank you so much for providing individuals with remarkably splendid possiblity to read articles and blog posts from this website. It’s always very kind and packed with fun for me personally and my office mates to search your website a minimum of three times in a week to study the latest issues you will have. And of course, I’m at all times fulfilled with your fabulous thoughts you serve. Certain 3 tips in this post are definitely the most suitable we’ve had.

  32. off-white

    Julio 7, 2019 at 6:57 pm

    I simply wanted to send a simple note so as to thank you for some of the magnificent ideas you are placing at this website. My long internet look up has finally been compensated with brilliant facts to write about with my family. I would assume that most of us site visitors are undoubtedly blessed to be in a notable community with many special individuals with useful strategies. I feel really grateful to have used your webpages and look forward to some more fun minutes reading here. Thanks once again for all the details.

  33. nike air max

    Julio 8, 2019 at 10:40 am

    My spouse and i felt really cheerful when Michael managed to deal with his inquiry while using the precious recommendations he received from your blog. It is now and again perplexing just to find yourself releasing strategies some people may have been making money from. We really keep in mind we have got the blog owner to appreciate because of that. The most important explanations you’ve made, the straightforward web site menu, the relationships you help to promote – it’s all remarkable, and it’s really helping our son in addition to the family consider that this matter is brilliant, which is extremely pressing. Thank you for everything!

  34. nike air max 97

    Julio 16, 2019 at 11:08 pm

    I needed to create you a tiny word in order to thank you so much once again over the extraordinary strategies you’ve provided on this website. It was incredibly generous with people like you to deliver openly what a number of people could possibly have supplied for an e-book to generate some cash for themselves, chiefly considering that you might well have tried it if you ever wanted. Those pointers as well acted to become a fantastic way to know that other individuals have the same eagerness the same as my very own to grasp more and more with reference to this matter. I’m certain there are a lot more enjoyable moments up front for folks who go through your blog post.

  35. adidas yeezy

    Julio 17, 2019 at 1:58 pm

    A lot of thanks for your own effort on this web page. Betty take interest in managing investigations and it’s really easy to understand why. All of us know all relating to the compelling mode you offer precious guides via this website and as well improve participation from the others on this area of interest so our favorite child is always studying a lot. Enjoy the rest of the year. You are always doing a tremendous job.

  36. yeezy boost

    Julio 17, 2019 at 4:44 pm

    I抦 impressed, I have to say. Actually rarely do I encounter a weblog that抯 both educative and entertaining, and let me let you know, you may have hit the nail on the head. Your idea is outstanding; the problem is one thing that not enough individuals are speaking intelligently about. I am very blissful that I stumbled across this in my search for one thing regarding this.

  37. JacobJew

    Agosto 13, 2019 at 6:56 am

    Since writing an outline can occasionally be tedious job since this is the location where you truly start contemplating your essay critically. Feelings that may keep you from writing your book. Essay writing generally comes as a challenge for men and women that aren’t accustomed to composing essays and it’s a very enormous job usually for the students who don’t have any type of experience in writing essays.
    Every story needs to have dialog. It is the chief part of the prewriting procedure of an essay.
    Personalised assignment writing service company will probably have their own sites Online services are somewhat more dependable and affordable also.
    You might also need to indicate more study or comment on things that it wasn’t possible that you discuss in the newspaper. Before composing really good post, one needs to clearly know what sort of essay he or she’s meant to write whether it’s a journalism post, professional article, review article or post for a blog because each one of these kinds of articles have their private defined writing styles. This primer about the best way to compose an essay sheds light on the procedure and enables the writer get organized.
    Another thing to consider is that by applying an essay service similar to this one, you also run the danger of your teacher having a look at the article and finding that it sounds nothing like your prior efforts. After the student doesn’t have a private opinion, then they ought to simply earn a option to select a topic, and select pro or con. A student looking for quality financial research papers should go to an organization with a fantastic reputation on submitting its job punctually.
    Students utilizing a copywriting service should know about a couple of things before deciding on a service. After moving through the business advice and terms and conditions, if you’re pleased with their services, you may pick a specific small business. The writing service must additionally have a warranty that all work is distinctive and original from a number of other content.
    academic essay writer

  38. sewa mobil palembang

    Agosto 15, 2019 at 8:53 pm

    Generally I do not read article on blogs, however I wish to say that this write-up very forced me to take a look at and do it! Your writing style has been amazed me. Thank you, very nice article.

Leave a Reply

Su dirección de correo no se hará público. Los campos requeridos están marcados *

To Top