Análise da trajetória e atualidades do microsseguro no Brasil em comparação com outros países subdesenvolvidos

Abstract

Microinsurance is a class of insurance developed especially for the low-income population. Its origin dates back to mid-1976 by Muhammad Yunus in Bangladesh, India, where it emerged from microcredit as a provision for people who lived on the margins of the financial system. In Brazil, the microinsurance market was regulated in 2012 by the Superintendence of Private Insurance (SUSEP). As with traditional insurance, microinsurance plans can be structured into damage and personal coverage. Microinsurance offers reduced cost coverage for a target audience that needs to manage risks efficiently and cheaply, it is also a form of social support for populations living on the margins of the poverty line. The microinsurance market has a high growth potential and is mainly present in underdeveloped countries where there is little competition and room for innovation. Among the factors that favor the expansion of the microinsurance market in the world, there is strong government support. In Brazil, using data from SUSEP, it is possible to carry out a loss ratio analysis to understand the economic perspectives of this type of insurance. The use of technologies within the insurance market guarantees the improvement of the microinsurance offer, improves accessibility and cost-effectiveness between insurers and customers. Patents guarantee technological protection and ways to map the scientific development of the market in question. Given the relevance of the theme, this work aimed to analyze the social and economic perspectives of the microinsurance market in Brazil and in other underdeveloped countries, in order to relate studies on the subject, analyze the loss ratio in the Brazilian market and the existence of patent deposits in the area.