MICROINSURANCE IN BRAZIL
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MICROINSURANCE IN BRAZIL Latest 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

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Microinsurance in brazil latest development on distribution and technology

MICROINSURANCE IN BRAZIL

LatestDevelopmentonDistributionandTechnology

FORITO Guadalajara, 29/sep/2013


Microinsurance in brazil latest development on distribution and technology

Mainelementsofthemodel

Technologyemployed

-Pointof Sales (POS)

-Bradesco Bankcorrespondents network (> 40.000)

-100% ofbrazilianmunicipalities

-Easyoperation (binary)/Easy training

-Goodlevelsofreliabilityon data transmission

-GoodqualitysupportofVANs

Clientaccess

-Direct

Themultiplier

-In some aspects similar role ofmicrocreditagent

-Insurancebroker (mustbecertifiedby SUSEP)

-Eachonetakescareof a givennumberofcorrespondents

-Training thecorrespondent

-SameBradesco’srulesapplied to thecorrespondent


Microinsurance in brazil latest development on distribution and technology

TheProduct

Coveragesandassistance

Accidentaldeath

Funeral assistance

Benefits

-Monthlylottery (brazilian Federal Lottery)

Otherinformation

-Annualperiodicity

-Cashpayment

-30% total commercialloading

Optionsofplans

1)Suminsured: US$ 1,135.00 Lottery: US$ 1,135.00 Premium: US$ 4.49

2)Suminsured: US$ 2,270.00 Lottery: US$ 2,270.00 Premium: US$ 5.45

3)Suminsured: US$ 4,540.00 Lottery: US$ 4,540.00 Premium: US$ 8.12

4)Suminsured: US$ 6,810.00 Lottery: US$ 6,810.00 Premium: US$10.39


Microinsurance in brazil latest development on distribution and technology

Montlysales (units) Share (optionofplan)_ - Untilaug/13

-may/12: 833 Plan 1 – 82% (% ofthe 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 Numberofcorrespondents

-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


Microinsurance in brazil latest development on distribution and technology

Sellingprocedures POS screen

Chooseoption ‘seguros’ (insurance)

Planoptionsappear – chooseat POS theclient’soption

Afterthisthe screen will show thenecessary data for theoperationconclusion .

Type CPF, ZIP, Phoneandclientbirth date. CPF andbirth date are mandatory.


Microinsurance in brazil latest development on distribution and technology

Sellingprocedures POS screen

Aftertypingthecorrect data andpressing ‘confirm’ thenext screen will show themessage ‘ApprovalTransaction’ withthecertificateprinting

In case of CPF orbirth date incorrecttyping, afterpressing ‘confirm’ the screen will show theerrormessage. Need to cancelthatoperationand star a newone.


Microinsurance in brazil latest development on distribution and technology

Insurancecertificate

Nº ofInsuranceCertificate

Adhesion date/ CPF / Birth date/ Premium amount

Lotterynumber

Conciseinformationabouttheinsuranceadhesion

Insurancecompany data


Microinsurance in brazil latest development on distribution and technology

Communication Adhesives to thecorrespondentstore


Microinsurance in brazil latest development on distribution and technology

Communication Flyers to thecorrespondentstore


Muchas gracias thank you obrigado rodolfo ern@bradescoseguros com br 55 21 2503 1821

MUCHAS GRACIAS

THANK YOU

OBRIGADO

[email protected]

+55 21 2503 1821


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