The new generations communicate through social networks and want quick answers, therefore, the insurance market It is turning towards a more practical, agile approach, which is considered as getting to the point, as Alejandro Sobera Biótegui, national president of the Mexican Association of Insurance and Bond Agents (Amasfac), commented.
In interview with The EconomistSobera said that the theme of the products is that young people want things fast and they are creating more automated processes to purchase a policy and also offer the option of online payment.
New options are also being created that facilitate market entry with cheaper instruments. “Now the major medical expenses policies (GMM) are very versatile, you can take out a policy that covers you for an illness for up to a year, if it lasts more than a year, they no longer cover it. Or a policy that covers the medication only if you are in the hospital. This type of insurance may seem negative, but it has benefits that have a strong impact on the price.
“The accident rate depends on the good management of the insurer and that we take care of ourselves. We are going to take care of ourselves so that GMM products remain within everyone’s reach”.
Alejandro Sobera said that home policies are attractive to kids, “they protect the Ipad, the computer, the mobile phone, it covers everything inside and outside the house and that instead of paying 2,000 pesos just for the phone they pay around 4,000 or 5,000 pesos and have the whole house insured”.
“Today is to develop special protection products for young people. Insurers care to be attractive to the millennial generation.
As a result of the Covid-19 pandemic, the contracting of insurance for major medical expenses increased 15%, insurers excluded pandemics from policies, and therefore, many citizens were able to access insurance, as he considered the national president of Amasfac.
He said that according to a study, they detected that the coronavirus mortalityof the people treated in private hospitals, was lower than those who were treated in public hospitals.
They have spent more than 55,000 million pesos, which becomes the most expensive claim in Mexico. The premiums of the major medical expenses policies are governed based on the accident rate Those who are affecting the accident rate are the 25% of those who have not been vaccinated”, said Alejandro Sobera.
He mentioned that it is very important to have insurance, since the guarantee deposits to hospitalize a person infected by Covid-19without insurance for major medical expenses, reach 500,000 pesos to obtain private medical attention.
For his part, Óscar Dávila, president of AMASFAC in northeastern Mexico, declared that one of the requirements brought about by the pandemic, and that they are not going to remove hospitals, are deposits of income resources.
“Definitely, the Covid came to change the policies of some hospitals, this guarantee deposit is here to stay,” said the insurance agent.
However, he said that, fortunately, the saturation of hospitals has no longer been seen as was seen when the pandemic began, however, at least the deductible and the estimated coinsurance for these cases continue to be charged up front.
“Already with the experience of all these months, the average is between 50,000 and 100,000 pesos, for people with an insurance policy, which are for private patients, who have reached (the accounts) up to 500,000 pesos,” said Óscar Dávila.
Alejandro Sobera mentioned that the discussion they bring up with the insurance companies is that they are limiting their service to the unvaccinated and we want find the middle ground in favor of the insured.
“It is necessary to congratulate and thank the insurers for having removed the exclusion from the pandemic and above all for having supported the families of health sector personnel who died and who gave them solidarity coverage of 50,000 pesos,” concluded Sobera.
hartford car insurance shop car insurance best car insurance quotes best online car insurance get auto insurance quotes auto insurance quotes most affordable car insurance car insurance providers car insurance best deals best insurance quotes get car insurance online best comprehensive car insurance best cheap auto insurance auto policy switching car insurance car insurance quotes auto insurance best affordable car insurance online auto insurance quotes az auto insurance commercial auto insurance instant car insurance buy car insurance online best auto insurance companies best car insurance policy best auto insurance vehicle insurance quotes aaa insurance quote auto and home insurance quotes car insurance search best and cheapest car insurance best price car insurance best vehicle insurance aaa car insurance quote find cheap car insurance new car insurance quote auto insurance companies get car insurance quotes best cheap car insurance car insurance policy online new car insurance policy get car insurance car insurance company best cheap insurance car insurance online quote car insurance finder comprehensive insurance quote car insurance quotes near me get insurance