Download - MICROINSURANCE IN BRAZIL Latest Development on Distribution and Technology

Aeronáuticos Parecer do Jurídico

• Objetivo da Consulta: Amparo Legal para adoção de Cláusula Restritiva de Utilização para aeronaves

• Motivo da Consulta: Demanda de Corretores para aceitação de aeronaves e precificação com base na utilização menos gravosa dentre aquelas previstas na ANAC

• Exemplo: Utilizações previstas na ANAC:• MULTIPLA CATEGORIA TPX/SAE

• Pleito do Corretor: Adotar taxa para utilização exclusiva de Transporte de Passageiros, mediante inserção de Cláusula Restritiva na Apólice

MICROINSURANCE IN BRAZILLatest Development on Distribution and

Technology

FORITO Guadalajara, 29/sep/2013






Main elements of the model

Technology employed-Point of Sales (POS) -Bradesco Bank correspondents network (> 40.000) -100% of brazilian municipalities -Easy operation (binary)/Easy training -Good levels of reliability on data transmission -Good quality support of VANs

Client access-Direct

The multiplier-In some aspects similar role of microcredit agent-Insurance broker (must be certified by SUSEP)-Each one takes care of a given number of correspondents-Training the correspondent-Same Bradesco’s rules applied to the correspondent






The Product

Coverages and assistance-Accidental death-Funeral assistance

Benefits-Monthly lottery (brazilian Federal Lottery)

Other information-Annual periodicity-Cash payment-30% total commercial loading

Options of plans1)Sum insured: US$ 1,135.00 Lottery: US$ 1,135.00 Premium: US$ 4.492)Sum insured: US$ 2,270.00 Lottery: US$ 2,270.00 Premium: US$ 5.453)Sum insured: US$ 4,540.00 Lottery: US$ 4,540.00 Premium: US$ 8.124)Sum insured: US$ 6,810.00 Lottery: US$ 6,810.00 Premium: US$10.39






Montly sales (units) Share (option of plan)_ - Until aug/13

-may/12: 833 Plan 1 – 82% (% of the total sold)-jun/12: 1123 Plan 2 – 13%-jul/12: 1396 Plan 3 – 1%-aug/12: 2523 Plan 4 - 4%-sep/2012: 1961-oct/12: 1745-nov/12: 1570-dec/12: 1432 Number of correspondents-jan/13: 1251 -oct/12: 168-feb/13: 1300 -nov/12: 169-mar/13: 1819 -dez/12: 178-apr/13: 2175 -jan/13: 181-may/13: 2287 -feb/13: 181-jun/13: 2661 -mar/13: 194-jul/13: 2510 -apr/13: 245-aug/13: 2789 -may/13: 326 -jun/13: 414 -jul/13: 450 -aug/13: 515






Selling procedures POS screen

Choose option ‘seguros’ (insurance)

Plan options appear – choose at POS the client’s option

After this the screen will show the necessary data for the operation conclusion

.

Type CPF, ZIP, Phone and client birth date. CPF and birth date are mandatory.






Selling procedures POS screen

After typing the correct data and pressing ‘confirm’ the next screen will

show the message ‘Approval Transaction’ with the certificate printing

In case of CPF or birth date incorrect typing, after pressing ‘confirm’ the screen will show the error message. Need to cancel that

operation and star a new one.






Insurance certificate

Lottery number

Nº of Insurance CertificateAdhesion date/ CPF / Birth date/ Premium amount

Concise information about the insurance adhesion

Insurance company data






Communication Adhesives to the correspondent store






Communication Flyers to the correspondent store






MUCHAS GRACIASTHANK YOUOBRIGADO

[email protected]+55 21 2503 1821

mailto:[email protected]