Evaluación del impacto financiero de microseguros de AP-Vida en AXA Colpatria para los estratos 1 y 2 del sector Patio Bonito en Bogotá

Abstract

This investigation the financial impact tries to evaluate in AXA COLPATRIA of the micro insurances for the strata 1 and 2 of the Sector of Nice Court of the City of Bogota, at present the insurance one does not issue Micro insurances being this weakness that prevents from increasing his portfolio of services and his respective profitability. Additional, there tries To analyze the perception of the families of the strata 1 and 2 of the neighborhood of Nice Court opposite to the obtaining of the service of micro insurances, Since technology will carry out a survey to 100 persons of the neighborhood nice court, of the strata 1 and 2, allowing to quantify the variables that will be studied. For this there will construct themselves questions focused on persons of strata 1 and 2 of the neighborhood Nice Court, population of interest for the present work. With the previous thing I demonstrate certain ignorance opposite to this topic, besides certain dread of being defrauded and cheated for acquiring these types of services. Nevertheless, also one presents a great disposition opposite to the acquisition of these portfolios, 95 % would agree to obtain the above mentioned benefit. An hour well there were analyzed the external and internal variables of the micro insurances in AXA COLPATRIA S.A. The company belongs to the insurance sector; since Insurance there is understood any activity that implies assuring the risks exposed for natural as juridical persons. Of equal form one tries to determine the profitability from a budget in the one that us throws the feasibility of investment in this business type. Offering to the persons of low income the power to acquire a life insurance that protects them in case of presenting some disaster improving the quality of life between others. Until the year 2014, in Colombia one has been employed at the access to the insurance for the whole population offering massive insurances of low cost, which has been implemented as micro insurances, without bearing in mind the conditions, needs and quality of life of the families of low income, losing this way the fundamental concept of responsible micro insurance.