En México hay espacio para crecer el país está rezagado con respecto a Brasil y al resto de América Latina en términos de seguros.
Author | Agren, David |
CIUDAD DE MÉXICO--Los automovilistas de esta extendida ciudad de 21 millones de habitantes tienen la reputación de ser poco corteses y agresivos a la hora de conducir por las congestionadas calles de la capital mexicana. La mayoría de ellos, además, obtuvieron sus licenciasa través de un sistema en el que no se toman exámenes. Sin embargo, según los analistas, apenas uno de cada cuatro conductores tiene seguro contra terceros. México es uno de los pocos países que no hace cumplir las leyes que requieren la compra obligatoria de una póliza de seguros de ese tipo.
Uno de los mayores desafíos del sector asegurador en México es una cultura nacional que lleva a no tomar Las precauciones adecuadas para cubrirse de los riesgos y una falta general de educación financiera.
El analista de seguros José Ángel Montaño, de Moody's en la Ciudad de México, menciona un desafío adicional: la falta de poder adquisitivo. Pero Montaño reconoce que otros países de América Latina con economías similares han superado a México, donde la tasa de penetración de los seguros es de apenas 1.83 por ciento del PIB, menos del doble que en 1990, cuando era de 1.08 por ciento, según el Instituto Nacional de Estadística y Geografía (Inegi).
"Si se compara a México con economías similares de América Latina, como Brasil, Chile y Argentina, la penetración de los seguros es mucho más baja", dice Montaño. "Estamos al nivel de EL Salvadoro de Honduras".
El sector de los seguros mexicano se caracteriza por la presencia de empresas fuertes, que ofrecen una amplia gama de productos y servicios y que compiten aguerridamente. La competencia debería acentuarse aún más en el futuro, ya que se espera que una serie de cambios regulatorios provoque una ola de fusiones. Pero para que el mercado de los seguros crezca en México, el consu midor promedio debe aprender a valor sus productos.
Empresas como BBVA Bancomer organizan eventos de "educación financiera" con regularidad para enseñar cuánto valor tiene comprar...
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