{"id":6666,"date":"2022-06-21T09:00:32","date_gmt":"2022-06-21T09:00:32","guid":{"rendered":"https:\/\/idealityroads.com\/?p=6666"},"modified":"2022-06-21T09:05:38","modified_gmt":"2022-06-21T09:05:38","slug":"insurtech-seguro-para-o-futuro-baseado-na-tecnologia","status":"publish","type":"post","link":"https:\/\/idealityroads.com\/?p=6666&lang=pt","title":{"rendered":"Insurtech &#8211; Seguro para o Futuro Baseado na Tecnologia"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"6666\" class=\"elementor elementor-6666\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-10b29f42 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"10b29f42\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-70501c61\" data-id=\"70501c61\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-51d58f24 elementor-tablet-align-center elementor-widget elementor-widget-post-info\" data-id=\"51d58f24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"post-info.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-inline-items elementor-icon-list-items elementor-post-info\">\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item elementor-repeater-item-124edcf elementor-inline-item\" itemprop=\"about\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text elementor-post-info__item elementor-post-info__item--type-terms\">\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-post-info__terms-list\">\n\t\t\t\t<a href=\"https:\/\/idealityroads.com\/?cat=266&#038;lang=pt\" class=\"elementor-post-info__terms-list-item\">Tend\u00eancias Tecnol\u00f3gicas<\/a>\t\t\t\t<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1f99ba61 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading\" data-id=\"1f99ba61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-title.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Insurtech &#8211; Seguro para o Futuro Baseado na Tecnologia<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7e789ef8 elementor-share-buttons--view-icon elementor-share-buttons--color-custom elementor-share-buttons--skin-gradient elementor-share-buttons--shape-square elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"7e789ef8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Share on facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Share on twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Share on linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_whatsapp\" role=\"button\" tabindex=\"0\" aria-label=\"Share on whatsapp\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-whatsapp\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_email\" role=\"button\" tabindex=\"0\" aria-label=\"Share on email\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fas fa-envelope\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-4722432c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"4722432c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7ec565cb\" data-id=\"7ec565cb\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4a7632d elementor-widget elementor-widget-text-editor\" data-id=\"4a7632d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><span style=\"color: var( --e-global-color-text ); font-family: var( --e-global-typography-text-font-family ), Sans-serif; font-weight: var( --e-global-typography-text-font-weight );\">Novos operadores com conhecimento tecnol\u00f3gico est\u00e3o entrando no mercado de seguros, trazendo consigo toda a sua for\u00e7a revolucion\u00e1ria e cheia de oportunidades. Eles transformar\u00e3o o campo de atua\u00e7\u00e3o para os operadores estabelecidos, semelhante ao que aconteceu no setor banc\u00e1rio com a introdu\u00e7\u00e3o dos neg\u00f3cios de tecnologia financeira.<\/span><\/h5><h5>\u00a0<\/h5><h5>As Insurtechs s\u00e3o companhias de seguros que utilizam novas tecnologias para fornecer cobertura a uma base de clientes mais jovens e tecnologicamente mais experientes. Embora as Insurtechs ainda n\u00e3o tenham feito incurs\u00f5es significativas no setor, elas est\u00e3o se expandindo rapidamente e est\u00e3o preparadas para assumir uma parte significativa deste valioso mercado nos pr\u00f3ximos anos.<\/h5><h5>\u00a0<\/h5><h3>Novas Tend\u00eancias Tecnol\u00f3gicas no Setor de Seguros<\/h3><h5>\u00a0<\/h5><h5>Vamos dar uma olhada em algumas das tend\u00eancias tecnol\u00f3gicas que ter\u00e3o um impacto no futuro da ind\u00fastria Insurtech nos pr\u00f3ximos anos.<\/h5><h5>\u00a0<\/h5><h5><strong>Personaliza\u00e7\u00e3o com base em dados<\/strong>: As empresas Insurtech est\u00e3o confiando mais na coleta de dados personalizados dos clientes para entender melhor os interesses de seus clientes. As seguradoras est\u00e3o tentando dar conselhos personalizados, os produtos adequados e pre\u00e7os personalizados usando dados adquiridos de dispositivos IoT e smartphones.<\/h5><h5>\u00a0<\/h5><h5>A personaliza\u00e7\u00e3o permite que os clientes tenham \u00f3timas experi\u00eancias enquanto recebem produtos e servi\u00e7os que s\u00e3o adaptados \u00e0s suas necessidades \u00fanicas. O objetivo \u00e9 colocar os clientes no centro de tudo o que eles fazem.<\/h5><h5>\u00a0<\/h5><h5><strong>Pol\u00edticas baseadas no uso<\/strong>: O aumento das ap\u00f3lices baseadas no uso \u00e9 uma das tend\u00eancias mais significativas no mercado de seguros. Prev\u00ea-se que a popularidade dos seguros de curto e muito curto prazo que precisam ser acionados rapidamente continuar\u00e1 a crescer nos pr\u00f3ximos anos.<\/h5><h5>\u00a0<\/h5><h5>Tamb\u00e9m veremos o aumento de aplicativos \u00a0dedicados que facilitam a ativa\u00e7\u00e3o e desativa\u00e7\u00e3o de restri\u00e7\u00f5es, dependendo dos padr\u00f5es de uso. Por exemplo, pode-se adquirir um seguro para um evento esportivo ou para f\u00e9rias.<\/h5><h5>\u00a0<\/h5><h5><strong>Automa\u00e7\u00e3o Robotizada e Cognitiva<\/strong>: As duas extremidades da gama de automa\u00e7\u00e3o inteligente s\u00e3o a automa\u00e7\u00e3o cognitiva (CA) e a automa\u00e7\u00e3o de processos rob\u00f3ticos (RPA). A RPA, que usa bots de software facilmente program\u00e1veis para realizar tarefas simples, est\u00e1 em um dos extremos do escopo. A automa\u00e7\u00e3o cognitiva, por outro lado, \u00e9 capaz de emular a compreens\u00e3o e a atividade humana.<\/h5><h5>\u00a0<\/h5><h5>Enquanto a automa\u00e7\u00e3o de processos rob\u00f3ticos (RPA) \u00e9 o passo mais importante na jornada para a automa\u00e7\u00e3o por qualquer ind\u00fastria, a automa\u00e7\u00e3o cognitiva \u00e9 antecipada para ajudar a ind\u00fastria a adotar uma abordagem mais centrada no cliente, alavancando diferentes tecnologias e algoritmos para trazer intelig\u00eancia aos processos intensivos de informa\u00e7\u00e3o. Como resultado, a R&amp;CA compreende uma poderosa combina\u00e7\u00e3o de talentos automatizados, particularmente a RPA e a CA.<\/h5><h5>\u00a0<\/h5><h5>A R&amp;CA tem muitas oportunidades para ajudar com os processos no neg\u00f3cio de seguros. Algumas de suas aplica\u00e7\u00f5es incluem o Processamento de Reclama\u00e7\u00f5es, Entrada de Dados, Opera\u00e7\u00f5es de Gerenciamento de Ap\u00f3lices, Conformidade Regulat\u00f3ria e Assinatura.<\/h5><h5>\u00a0<\/h5><h5><strong>Seguro com base em dados:<\/strong> Apesar do fato de que os dados sempre impulsionaram o setor de seguros, os avan\u00e7os na tecnologia indicam que h\u00e1 mais a ganhar com big data (grande quantidade de dados), especialmente por parte das seguradoras. As empresas podem modificar suas ap\u00f3lices de seguro existentes, reduzir riscos e melhorar a precis\u00e3o de seus c\u00e1lculos, aproveitando importantes insights dos dados.<\/h5><h5>\u00a0<\/h5><h5>Alguns exemplos de como as companhias de seguros est\u00e3o utilizando big data incluem: Pre\u00e7os, Obten\u00e7\u00e3o de insights sobre o hist\u00f3rico de sa\u00fade e sa\u00fade dos clientes, e moldando o comportamento dos segurados.<\/h5><h5>\u00a0<\/h5><h5><strong>Contratos inteligentes:<\/strong> As linhas de c\u00f3digo que s\u00e3o mantidas em uma blockchain s\u00e3o conhecidas como contratos inteligentes. Quando certos crit\u00e9rios predefinidos s\u00e3o cumpridos, estes contratos s\u00e3o capazes de executar ou fazer cumprir eles mesmos. No final de 2023, o mercado de contratos inteligentes \u00e9 estimado em 300 milh\u00f5es de d\u00f3lares.<\/h5><h5>\u00a0<\/h5><h5>Os contratos inteligentes podem ajudar o setor de seguros porque podem imitar os acordos legais tradicionais e, ao mesmo tempo, melhorar a seguran\u00e7a e a transpar\u00eancia. Al\u00e9m disso, como esses contratos s\u00e3o automatizados, as empresas poupar\u00e3o tempo no processamento de pap\u00e9is e na retifica\u00e7\u00e3o de imprecis\u00f5es na documenta\u00e7\u00e3o escrita.<\/h5><h5>\u00a0<\/h5><h3>Startups Israelenses Definindo o Espa\u00e7o Insurtech<\/h3><h5>\u00a0<\/h5><h5>Israel \u00e9 uma das economias mais avan\u00e7adas tecnologicamente do mundo, com inova\u00e7\u00e3o em seu n\u00facleo, e est\u00e1 posicionada para se tornar um centro global de inova\u00e7\u00e3o em Insurtech. De fato, nos \u00faltimos anos, foram estabelecidas algumas empresas que t\u00eam o potencial de revolucionar a ind\u00fastria.<\/h5><h5>\u00a0<\/h5><h5>Seguro sob demanda<\/h5><h5>\u00a0<\/h5><h5>Um dessas startups \u00e9 um fornecedor proeminente de seguro sob demanda que \u00e9 mais econ\u00f4mico, eficiente e adapt\u00e1vel do que os modelos tradicionais de seguro para trabalhadores aut\u00f4nomos, flex\u00edveis e tempor\u00e1rios. O objetivo da startup \u00e9 ser a autoridade global em seguros por demanda, fornecendo solu\u00e7\u00f5es engenhosas baseadas no uso tanto para empresas de grande porte baseadas em plataformas digitais quanto para usu\u00e1rios finais diretos. Esta empresa tem sido apoiada por seguradoras globais, colabora com a nova mobilidade, a economia empresarial e outras plataformas disruptivas para fornecer cobertura de seguro sob demanda personalizada e uma solu\u00e7\u00e3o de seguro &#8220;plug-and-play&#8221; para os consumidores.<\/h5><h5>\u00a0<\/h5><h5>Seguro Cibern\u00e9tico<\/h5><h5>\u00a0<\/h5><h5>Como resultado da onda de ataques cibern\u00e9ticos, particularmente de ataques de software de resgate, o mercado de outra startup de seguros cibern\u00e9ticos nos Estados Unidos est\u00e1 se expandindo rapidamente. Mesmo que as seguradoras tradicionais ainda controlem a maioria do mercado. Esta startup cobre mais de 10.000 empresas de m\u00e9dio porte nos Estados Unidos, e sua singularidade deriva do fato de ser ao mesmo tempo uma seguradora e uma empresa de cyber-seguran\u00e7a.<\/h5><h5>\u00a0<\/h5><h5>Deep analysis<\/h5><h5>\u00a0<\/h5><h5>Outra startup que funciona transformando os par\u00e2metros de seguros em insights comerciais em tempo real com poderosas capacidades anal\u00edticas e informa\u00e7\u00f5es acion\u00e1veis, v\u00ea uma crescente demanda global para sua solu\u00e7\u00e3o. Esta startup oferece uma plataforma de seguros que pode aumentar as vendas de ap\u00f3lices, os lucros e a efici\u00eancia geral atrav\u00e9s de novas ferramentas anal\u00edticas, an\u00e1lise de dados e percep\u00e7\u00f5es comerciais que est\u00e3o dispon\u00edveis em tempo real. O sistema pode fornecer visibilidade abrangente da jornada do cliente, bem como insights, para ajudar a aumentar os lucros, vendas e produtividade atrav\u00e9s da combina\u00e7\u00e3o de dados e atividades de front-office e back-office.<\/h5><h5>\u00a0<\/h5><h3>Conclus\u00e3o<\/h3><h5>Pode-se dizer que a pandemia da COVID &#8211; 19 acelerou a migra\u00e7\u00e3o da ind\u00fastria de seguros para o mundo digital. As Insurtechs tem agora o objetivo de explorar as inefici\u00eancias em toda a cadeia de valor do seguro atrav\u00e9s de uma revolu\u00e7\u00e3o digital. As seguradoras possuem caracter\u00edsticas cr\u00edticas como dinheiro, redes de distribui\u00e7\u00e3o, habilidade, vasto conhecimento e armazenamento de expertise que n\u00e3o est\u00e1 dispon\u00edvel em outras ind\u00fastrias. Est\u00e1 se tornando cada vez mais crucial ser capaz de alavancar efetivamente esses ativos.<\/h5><h5>\u00a0<\/h5><h5>Israel \u00e9 o lar de algumas das principais empresas Insurtechs do mundo. \u00c0 medida que come\u00e7amos a ver mais empresas inovadoras no setor, fica claro que o cen\u00e1rio Insurtech israelense continuar\u00e1 a crescer como resultado do talento, desejo e motiva\u00e7\u00e3o dos empreendedores israelenses. E, ao explorar as capacidades tecnol\u00f3gicas e as vantagens em seus casos de uso comercial, essas empresas iniciantes se tornar\u00e3o cada vez mais sofisticadas com suas solu\u00e7\u00f5es.<\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2a44af0 elementor-widget elementor-widget-heading\" data-id=\"2a44af0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Leave a reply<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69929464 elementor-widget elementor-widget-facebook-comments\" data-id=\"69929464\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"facebook-comments.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-facebook-widget fb-comments\" 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Eles transformar\u00e3o o campo de atua\u00e7\u00e3o para os operadores estabelecidos, semelhante ao que aconteceu no setor banc\u00e1rio com a introdu\u00e7\u00e3o dos neg\u00f3cios de tecnologia financeira.<\/p>\n<p>As Insurtechs s\u00e3o companhias de seguros que utilizam novas tecnologias para fornecer cobertura a uma base de clientes mais jovens e tecnologicamente mais experientes. Embora as Insurtechs ainda n\u00e3o tenham feito incurs\u00f5es significativas no setor, elas est\u00e3o se expandindo rapidamente e est\u00e3o preparadas para assumir uma parte significativa deste valioso mercado nos pr\u00f3ximos anos.<\/p>\n","protected":false},"author":6,"featured_media":6668,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[266],"tags":[],"class_list":["post-6666","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-techtrendspt"],"acf":[],"_links":{"self":[{"href":"https:\/\/idealityroads.com\/index.php?rest_route=\/wp\/v2\/posts\/6666","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/idealityroads.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/idealityroads.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/idealityroads.com\/index.php?rest_route=\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/idealityroads.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=6666"}],"version-history":[{"count":0,"href":"https:\/\/idealityroads.com\/index.php?rest_route=\/wp\/v2\/posts\/6666\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/idealityroads.com\/index.php?rest_route=\/wp\/v2\/media\/6668"}],"wp:attachment":[{"href":"https:\/\/idealityroads.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=6666"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/idealityroads.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=6666"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/idealityroads.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=6666"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}