A área de seguros é uma atividade extremamente importante no dia-a-dia da sociedade, uma vez que, independentemente dos prejuízos que sofremos, os seguros permitem a continuidade de nossas vidas. Apesar disso, o número de pessoas que contrata uma apólice de seguro, em especial de Vida e de Acidentes Pessoais, ainda é muito pequeno em relação ao total da população brasileira. Inúmeras causas podem ser indicadas como responsáveis por esta situação. Todas, certamente, possuem motivos plausíveis de sua indicação. A presente dissertação dedica-se a estudar quais as principais causas que realmente dificultam o acesso das pessoas a contratarem uma apólice e, obviamente, manterem-se seguradas. / Insurance business is an activity extremely important in our routine, since it allows people to continue their lives, no matter which losses they have been through. Despite it, the number of people who contract an insurance policy in Brazil, especially of Life and Personal Accidents, is still very small if compared to the total Brazilian population. A number of causes could be indicated as responsible for this situation. Certainly, all of them present plausible reasons for their indication. This work studies which really are the main reasons that difficult the access of people to contract a policy and, obviously, to keep it.

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Made available in DSpace on 2015-04-09T12:28:27Z (GMT). No. of bitstreams: 0 Previous issue date: 2014-11-10Bitstream added on 2015-04-09T12:47:32Z : No. of bitstreams: 1 000814919.pdf: 1106420 bytes, checksum: 6bbc007e3e1451a2648cbfdb3aeef795 (MD5) / The insurer that has an effective control of the risks involved by the insureds can avoid issues such as bankruptcy and loss of profitability. The purpose of the research was to identify the varieties that define the risk associated with future buyers, enabling classify them into one of two groups, the claimed and the unclaimed, based in probabilities defined by a multivariate model. Therefore, were questions considered (variables) existing on the risk evaluation of the insurers questionnaire and others nominated by the expert brokers of the insurers. To achieve the objective, was used in the analyses, the multivariate statistical technique, known as Discriminant Analysis, in order to segregate the individual into one of two groups. A discriminant function was constructed from the independent variables, associated to the risks, and from the dependent variable, which covers the two groups. Other results as estimation of the classification rule, evaluation of the quality of the discrimination rule settings, estimation of the overall probability of correct answers and tests related to the assumptions of discriminant analysis were presented. The studied sample was consisted of 2,000 insured served by the broker, divided into two groups: the first composed of individuals without claims; and the second with those who has one or more claims. The model enabled to classify individuals by the two groups, wherein in the development sample and test the classification represented 69% accuracy. The separation was carried out by variables with higher importance degrees. Where elected: car power, time of insurance, bonus, parking lot use, and professional activities defined by the insured occupation. Such variables can be considered highly discriminating, based on the contribution coefficient for the discrimination. This work has presented results that contradict the common sense in the insurance market, in which technicians say that sex and age determine whether / The insurer that has an effective control of the risks involved by the insureds can avoid issues such as bankruptcy and loss of profitability. The purpose of the research was to identify the varieties that define the risk assciated with future buyers, enabling classify them into one two groups, the claimed and the unclaimed, based in probabilities defined by a multivariate model. Therefore, were questions considered (variables) existing on the risk evaluation of the insurers questionnarie and others nominated by the expert brokers of the insurers. To achieve the objective, was used in the analysis, the multivariate statistical technique, known as Discriminant Analylsis, in order to segregate the individual into one of two groups. A discriminant function was constructed from the independent variables, associated to the risks, and the dependent variable, which covers the two groups. Other results as estimation of the classification rule, evaluation of the quality of the discrimination rule settings, estimation of the overall probability of correct answers and tests related to the assumptions of discrimination analysis were presented. The studied sample was consisted of 2,000 insured served by the broker, divided into two groups: the first composed of individuals without claims; and the second with those who has one or more claims. The model enabled to classify individuals by the two groups, wherein in the development sample and test the classification represented 69% accuracy. The separation was carried out by variables with higher importance degrees. Were elected: car power, time of insurance, bonus, parking lot use, and professional activities defined by the insured occupation. Such variables can be considered hihgly discriminating, based on the contribution coefficient for the discrimination. This work has presented results that contradict the common sense in the insurance market, in which technicians say that sex and age determine...

Orientador: Manoel Henrique Salgado / Banca: Gladys Dorotea Cacsire Barriga / Banca: João Pedro Albino / Resumo: The insurer that has an effective control of the risks involved by the insureds can avoid issues such as bankruptcy and loss of profitability. The purpose of the research was to identify the varieties that define the risk associated with future buyers, enabling classify them into one of two groups, the claimed and the unclaimed, based in probabilities defined by a multivariate model. Therefore, were questions considered (variables) existing on the risk evaluation of the insurers questionnaire and others nominated by the expert brokers of the insurers. To achieve the objective, was used in the analyses, the multivariate statistical technique, known as Discriminant Analysis, in order to segregate the individual into one of two groups. A discriminant function was constructed from the independent variables, associated to the risks, and from the dependent variable, which covers the two groups. Other results as estimation of the classification rule, evaluation of the quality of the discrimination rule settings, estimation of the overall probability of correct answers and tests related to the assumptions of discriminant analysis were presented. The studied sample was consisted of 2,000 insured served by the broker, divided into two groups: the first composed of individuals without claims; and the second with those who has one or more claims. The model enabled to classify individuals by the two groups, wherein in the development sample and test the classification represented 69% accuracy. The separation was carried out by variables with higher importance degrees. Where elected: car power, time of insurance, bonus, parking lot use, and professional activities defined by the insured occupation. Such variables can be considered highly discriminating, based on the contribution coefficient for the discrimination. This work has presented results that contradict the common sense in the insurance market, in which technicians say that sex and age determine whether / Abstract: The insurer that has an effective control of the risks involved by the insureds can avoid issues such as bankruptcy and loss of profitability. The purpose of the research was to identify the varieties that define the risk assciated with future buyers, enabling classify them into one two groups, the claimed and the unclaimed, based in probabilities defined by a multivariate model. Therefore, were questions considered (variables) existing on the risk evaluation of the insurers questionnarie and others nominated by the expert brokers of the insurers. To achieve the objective, was used in the analysis, the multivariate statistical technique, known as Discriminant Analylsis, in order to segregate the individual into one of two groups. A discriminant function was constructed from the independent variables, associated to the risks, and the dependent variable, which covers the two groups. Other results as estimation of the classification rule, evaluation of the quality of the discrimination rule settings, estimation of the overall probability of correct answers and tests related to the assumptions of discrimination analysis were presented. The studied sample was consisted of 2,000 insured served by the broker, divided into two groups: the first composed of individuals without claims; and the second with those who has one or more claims. The model enabled to classify individuals by the two groups, wherein in the development sample and test the classification represented 69% accuracy. The separation was carried out by variables with higher importance degrees. Were elected: car power, time of insurance, bonus, parking lot use, and professional activities defined by the insured occupation. Such variables can be considered hihgly discriminating, based on the contribution coefficient for the discrimination. This work has presented results that contradict the common sense in the insurance market, in which technicians say that sex and age determine... / Mestre

Tesis para optar al grado de Magíster en Políticas Públicas / El Seguro Popular una de las políticas públicas en materia de salud, tiene como objetivo primordial la cobertura universal y la disminución del gasto catastrófico de salud, pero junto con el logro de estos beneficios, es posible que se encuentran algunas desventajas. Levy (2008) afirma que la existencia de un mercado de salud mixto, puede traer consigo repercusiones en el mercado laboral, por lo que en el largo plazo se esperaría que este sistema no contributivo generará incentivos a laborar en el mercado informal. Esta hipótesis se centra en la existencia de un mercado laboral integrado y competitivo, dando lugar así a un premio salarial mayor para el sector informal. Este documento aborda el tema desde un análisis empírico sobre las diferencias salariales entre individuos con características similares, que se desenvuelven en el sector formal e informal, teniendo como resultado que el premio salarial es para el sector formal. Con base en lo anterior se concluye que el mercado laboral mexicano es segmentado, por lo que el programa Seguro Popular no sería una de las causas relevantes en el aumento de la informalidad en el país.

Made available in DSpace on 2008-05-13T15:52:57Z (GMT). No. of bitstreams: 1 1431.pdf: 1972951 bytes, checksum: 1a267722c71706f1006b596f38389f33 (MD5) Previous issue date: 2000-06-07 / A conclusão principal do trabalho é mostrar que na tentativa de proteger os indivíduos, o governo ao regulamentar os contratos acaba gerando a seleção adversa dos consumidores. Um mecanismo de subsídio direto entre os indivíduos é mais eficiente. Estas conclusões, entretanto, não implicam na recomendação de uma desregulamentação, o ampla do mercado de seguros privados. O papel do Estado é fundamental para garantir sustentabilidade financeira, concorrência entre as seguradoras e geração de informação sobre os contratos e provedores.

Submitted by Estagiário SPT BMHS (spt@fgv.br) on 2011-09-12T18:48:51Z No. of bitstreams: 1 000054284.pdf: 5798748 bytes, checksum: 24502895eae90039c23ada271844a2c4 (MD5) / Approved for entry into archive by Estagiário SPT BMHS (spt@fgv.br) on 2011-09-12T18:49:23Z (GMT) No. of bitstreams: 1 000054284.pdf: 5798748 bytes, checksum: 24502895eae90039c23ada271844a2c4 (MD5) / Approved for entry into archive by Estagiário SPT BMHS (spt@fgv.br) on 2011-09-12T18:49:39Z (GMT) No. of bitstreams: 1 000054284.pdf: 5798748 bytes, checksum: 24502895eae90039c23ada271844a2c4 (MD5) / Made available in DSpace on 2011-09-12T18:49:51Z (GMT). No. of bitstreams: 1 000054284.pdf: 5798748 bytes, checksum: 24502895eae90039c23ada271844a2c4 (MD5) Previous issue date: 1989-03-10

Made available in DSpace on 2014-06-12T17:17:56Z (GMT). No. of bitstreams: 2 arquivo649_1.pdf: 8844944 bytes, checksum: b3039d62c74dd80b27c9c9c4966d5422 (MD5) license.txt: 1748 bytes, checksum: 8a4605be74aa9ea9d79846c1fba20a33 (MD5) Previous issue date: 2009 / Esta tese realiza uma análise econômica do seguro-desemprego brasileiro com o objetivo de avaliar o atual sistema e sugerir um desenho ótimo para este programa considerando a existência de risco moral na relação entre o governo que paga o benefício e o trabalhador desempregado. Para uma melhor avaliação do atual sistema de seguro desemprego brasileiro, faz-se uma breve descrição dos esquemas existentes em algumas economias desenvolvidas e em desenvolvimento. Observa-se que relativamente aos demais países o esquema de seguro desemprego brasileiro é razoavelmente desenvolvido. Devido a inexistência de um sistema complementar de monitoramento do comportamento de busca do trabalhador desempregado segurado, a forma considerada para incentivar o trabalhador à realização da busca é por meio de uma seqüência de pagamentos decrescentes do benefício. A análise é feita aplicando o modelo principal agente repetido envolvendo um agente com aversão ao risco um principal neutro ao risco que não pode monitorar o esforço de busca do agente. A partir do trabalho de Hopenhayn e Nicolini (1997), considera-se o efeito da inclusão de um imposto salarial após o reemprego, como função da duração do desemprego. Os resultados encontrados evidenciam ser possível reduzir os custos com o seguro-desemprego, mantendo o mesmo nível de utilidade oferecida, ou ainda, para um mesmo nível de custos aumentar a utilidade esperada descontada do trabalhador

Made available in DSpace on 2016-04-26T20:25:37Z (GMT). No. of bitstreams: 1 claudia.pdf: 454535 bytes, checksum: 114b3d1a5962249e005639ff644165de (MD5) Previous issue date: 2007-06-12 / The purpose of this paper is to study the group life insurance contract within the context of a consumer relationship, and, specifically, to investigate the possibility of characterizing the policyholder as a service provider (in the Brazilian Consumer Defense Code s legal definition) in his/its relationship with the insured. Divided into four parts, the paper initially addresses the general characteristics of insurance contracts. In addition, it analyses the peculiarities of group life insurance, mainly its complex contracting process. The third part is exclusively dedicated to the policyholder, the individual or legal entity that enters into a group policy in favor of a certain group of people, playing an important role in the management of the insurance. In the fourth part of the paper, the concepts of consumer, service provider and consumer relationship are reviewed, pursuant to the rules of the Brazilian Consumer Defense Code. Lastly, it is concluded in this paper that the relationship between policyholder and insured is a consumer relationship whenever the policyholder acts as an arm of the insurance company instead of representing the interests of the insured / Destina-se o presente trabalho a estudar o contrato de seguro de vida em grupo como relação de consumo e, em especial, investigar a possibilidade de caracterização do estipulante de seguros como fornecedor na relação que estabelece com o segurado. Dividido em quatro partes, o trabalho cuida, inicialmente, de abordar as características gerais do contrato de seguro. Depois, são estudadas as peculiaridades do seguro de vida em grupo, sobretudo o seu complexo processo de contratação. A terceira parte é dedicada exclusivamente à figura do estipulante, pessoa física ou jurídica que contrata a apólice coletiva em favor de determinado grupo de pessoas e que assume funções essenciais na administração do seguro. Na quarta parte do estudo são abordados os conceitos de consumidor, de fornecedor e de relação de consumo, segundo o CDC. Por fim, conclui-se pela classificação da relação entre estipulante e segurado como relação de consumo, quando o estipulante, ao invés de representar os interesses dos segurados, atua como braço da seguradora

Mudanças na política agrícola brasileira têm preconizado a adoção de mecanismos de mercado para o fortalecimento da comercialização, financiamento à produção e mitigação dos riscos agropecuários, tanto o climático, quanto o de mercado. O seguro rural é um dos instrumentos mais promissores nesse novo estágio da política agrícola, pois permite a administração do risco agrícola, ao mesmo tempo em que lastreia as operações de comercialização e financiamento agrícola. O seguro de receita emerge como um instrumento ainda mais robusto de estabilização a receita agrícola, na medida em que garante a variação de produtividade e preço, simultaneamente. O instrumento já é consolidado nos Estados Unidos e começa a ser estudado no Brasil. Por essa razão, a primeira parte do estudo, capítulo 2, visa analisar os planos de seguro existentes e indicar os modelos que devem ser fomentados no Brasil. Constatou-se que os modelos estadunidenses baseados no plano de Proteção de Renda (IP - Income Protection) e Receita Garantida (RA - Revenue Assurance), substituídos pelo plano Proteção de Receita (RP - Revenue Protection), são os mais adequados para iniciar o desenvolvimento dessa modalidade de seguro no Brasil. Na segunda parte do trabalho, capítulo 3, é apresentado modelo teórico de plano de seguro de receita, bem como procedimento metodológico de cálculo da taxa de prêmio, de modo univariado e bivariado. Aplicada a metodologia ao caso da soja no Paraná, concluiu-se que as taxas calculadas no estudo são inferiores às praticadas nos dois projetos experimentais existentes. O distanciamento entre as taxas praticadas no mercado e a diferença em relação às estimadas na nesta pesquisa indicam imprecisão no cálculo das taxas de prêmio e são evidências de superestimação das taxas pelas seguradoras. / Changes in Brazilian agricultural policies have advocated the adoption of market mechanisms for strengthening the marketing, the financing to production, and both climate and market farming risk mitigation. Rural insurance is one of the most promising instruments in this new stage of agricultural policy, for crop risk administration at the same time it serves as collateral to marketing operations and agricultural funding. The insurance revenue emerges as an even more robust stabilization of agricultural revenue instrument to the extent that it ensures the variation of productivity and price simultaneously. The instrument is already consolidated in the United States and begins to be studied in Brazil. For this reason, the first part of the study, Chapter 2, aims to analyze existing insurance plans and indicate the models that should be encouraged in Brazil. It was found that models based on U.S. Income Protection (IP) and Revenue Assurance (RA), replaced by the plan Revenue Protection are best suited to start the development of this type of insurance in Brazil. In the second part of the dissertation, Chapter 3, the theoretical model of revenue insurance plan is presented, as well as a methodology for univariate and bivariate premium ratemaking. The methodology was applied to the case of soybean in Paraná, and it was concluded that the rates calculated in this study are lower than those of the two existing experimental projects. The gap between the market rates and the difference in relation to the rates estimated in the study indicate inaccuracy in the calculation of premium rates and are evidence of rate overestimation by insurers.