Microinsurance is a financial tool which was created to increase financial inclusion in the low-income population, since this product allows, in exchange for small premiums established according to needs, income and risk level, access to an insurance policy contract. living or medical expenses.
However, despite the fact that the product represents an option, it maintains low market penetration, according to data from the study, Panorama of microinsurance in Mexico carried out by the National Insurance and Finance Commission (CNSF), despite the demand observed in In the insurance sector after the pandemic, microinsurance registered a drop in the sector of 11.8 pir percent. According to the commission, since 2017, the participation of Microinsurance in the insurance market has fallen significantly.
The CNSF indicated that the low penetration of this insurance is due to the low profitability of the product for insurers, as well as the scant information among the population.
joselyn.ugarte@eleconomista.mx
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