Gente de Calidadslide

Más de US$ 100.000 millones anuales por catástrofes paga la industria aseguradora

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En diálogo exclusivo desde Santiago de Chile, Jorge Claude, presidente de la Federación Interamericana de Empresas de Seguros (FIDES), analizó los principales desafíos y oportunidades que enfrenta el mercado asegurador en América Latina. Cambio climático, inclusión financiera, riesgos cibernéticos, innovación, canales de distribución y reaseguro fueron parte de una charla a fondo con uno de los referentes más importantes del sector a nivel regional.

Jorge Claude no duda en definir el actual contexto global como una gran oportunidad para el seguro. En un mundo atravesado por múltiples crisis, considera que la industria tiene mucho para aportar, no solo como estabilizadora de riesgos, sino también como promotora de soluciones innovadoras, inclusivas y sostenibles. A lo largo de la entrevista, desglosa los ejes prioritarios de trabajo de FIDES y ofrece su mirada sobre las grandes transformaciones que atraviesan al mercado asegurador latinoamericano.

El impacto del cambio climático

Claude advierte que los eventos catastróficos han aumentado considerablemente su frecuencia e impacto económico. Recuerda que el ataque a las Torres Gemelas en 2001 fue históricamente el siniestro más costoso para la industria, con un impacto de US$ 55.000 millones. Pero desde 2020, señala, “todos los años la industria aseguradora ha pagado más de 100.000 millones de dólares por catástrofes. Es como si fueran dos Torres Gemelas por año”.

Para él, esto representa una oportunidad para el sector: “Tenemos un rol social muy importante que jugar, y debemos trabajar en un proceso de inclusión financiera para que más personas estén cubiertas”. Actualmente, revela, sólo el 25% de los daños están cubiertos por seguros en la región, mientras que el 75% restante sale del bolsillo de los contribuyentes.

La prevención como eje

“Tenemos que cambiar nuestra mentalidad. El título de la canción ahora debería ser ‘prevención’”, remarca Claude, quien destaca que hay mucho por hacer en términos de resiliencia ante fenómenos climáticos extremos, y que el seguro puede ser un actor clave en fomentar buenas prácticas. Por eso, pone el foco en el diseño de productos que incluyan este enfoque preventivo y en la necesidad de una mayor educación aseguradora.

Inclusión financiera y seguros paramétricos

Para mejorar el acceso al seguro, el ejecutivo cree que se necesita innovación normativa, nuevos canales y productos sencillos. Destaca el caso chileno, donde recientemente se autorizó el uso de seguros paramétricos: “Son soluciones más económicas, fáciles de gestionar y con mucho potencial para llegar a más personas”.

También menciona un ejemplo en Guatemala, donde personas que trabajan en la calle reciben una compensación si una ola de calor supera cierto umbral y no pueden salir a vender: “Eso es inclusión real. Y hoy hay datos, tecnología y herramientas para hacerlo posible”.

Cultura del seguro y rol del Estado

Claude identifica un obstáculo cultural en América Latina: “Cuando ocurre una catástrofe, el gobierno interviene rápido con ayuda, y eso genera una percepción de que no es necesario contratar un seguro”. Considera que esto debilita el desarrollo del mercado privado, al transferir al Estado responsabilidades que podrían estar en manos del sector asegurador.

Para revertir esta situación, señala, “se requiere un trabajo conjunto entre reguladores, compañías, brokers y diseñadores de productos para facilitar el acceso y generar confianza“.

Riesgos cibernéticos: un desafío en construcción

Sobre el fuerte potencial del ciberseguro, el chileno admite que aún están en una etapa de aprendizaje: “Estamos todos experimentando. Ponemos límites, deducibles, ayudamos al cliente a protegerse mejor, pero todavía hay mucho por definir”. Advierte que se enfrentan a una industria criminal organizada, con robots y hackers buscando vulnerabilidades constantemente.

“Estamos combatiendo un enemigo muy poderoso y dañino”, afirma el exvicepresidente ejecutivo de la Asociación de Aseguradores de Chile (AACH), y reconoce “el doble desafío de protegerse internamente como aseguradora y ofrecer coberturas sostenibles hacia afuera”.

Innovación y canales del futuro

Claude es enfático: “La innovación es la respuesta”. Destaca el crecimiento de las Insurtech y su papel como catalizadoras del cambio: “Una compañía de seguros es como un portaaviones. Moverlo lleva tiempo. La Insurtech es una lancha que se mueve con agilidad y lo ayuda a mejorar”. Considera que “hoy el cliente debe estar en el centro”, y que “las nuevas generaciones demandan experiencias móviles, inmediatas y sin intermediarios”.

“Está lleno de iniciativas. La innovación ocurre, aunque muchas veces en silencio, porque las compañías no quieren que su competencia lo sepa”, añade.

El panorama del reaseguro

Respecto al reaseguro, Claude sostiene que, por ahora, la región no ha sufrido grandes impactos: “América Latina no tiene un peso específico que mueva la aguja, salvo por grandes catástrofes”. Reconoce sí algunos ajustes en precios, límites de cobertura y condiciones, especialmente en ciberseguridad.

“Nadie ofrece cobertura ilimitada en ese rubro”, aclara. Aun así, destaca que los reaseguradores “están sólidos, con buena salud financiera”, y muy comprometidos con la innovación: “Están ayudando a las aseguradoras a desarrollar soluciones más eficientes para llegar mejor al cliente final”.

FIDES 2025 en Costa Rica

Por último, anticipa que la próxima Conferencia Hemisférica de Seguros FIDES en Costa Rica tendrá como foco principal la innovación, además de abordar las tendencias y desafíos actuales del sector. “Si no estás innovando, no estás arriba del carro correcto”, sentencia, invitando a todo el mercado latinoamericano a participar de este importante evento (ver sitio web FIDES Pura Vida) que se llevará a cabo del 9 al 12 de noviembre/25 en el Centro de Convenciones del Hotel Real Intercontinental de San José de Costa Rica.

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    Ботулинотерапия применяется не только для косметических целей, но и для лечения различных медицинских состояний . Она является перспективным методом лечения в различных областях медицины. Ботулинотерапия должна выполняться только квалифицированными специалистами, чтобы обеспечить безопасность и эффективность процедуры .

    **Раздел 3: Противопоказания и возможные осложнения**
    Ботулинотерапия, как и любая медицинская процедура, требует тщательного подбора пациентов и оценки их индивидуальных потребностей . Противопоказания для ботулинотерапии включают беременность и кормление грудью, а также определенные медицинские состояния, такие как миастения гравис .

    Возможные осложнения ботулинотерапии могут включать временное онемение или слабость мышц . В редких случаях может возникнуть более серьезное осложнение, такое как инфекция или асимметрия лица . Ботулинотерапия должна быть выполнена только квалифицированными специалистами, имеющими опыт работы с ботулиническим токсином.

    **Раздел 4: Заключение и перспективы**
    Ботулинотерапия является эффективным и безопасным методом омоложения кожи и коррекции косметических проблем . Она используется во многих клиниках и салонах красоты для достижения желаемого результата .

    Ботулинотерапия должна быть выполнена в соответствии с современными медицинскими стандартами и протоколами. Перспективы ботулинотерапии могут включать разработку новых методов и техник введения ботулинического токсина. Ботулинотерапия должна быть тщательно оценена и выполнена только квалифицированными специалистами, чтобы обеспечить лучший возможный результат.

  173. e un fenomeno sempre piu diffuso nella societa moderna . La sua definizione e stata descritta come un periodo di grande cambiamento. Le persone stanno cercando di comprendere le sue cause e conseguenze .

    La «crazy time» e caratterizzata da un aumento della pressione e dello stress . Le persone stanno cercando di trovare un equilibrio tra lavoro e vita privata . La tecnologia sta cambiando il modo in cui le persone interagiscono e comunicano.

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