Las insurtech vienen a transformar radicalmente aspectos claves para el futuro del sector asegurador

Para Joan Cuscó, director Global de Transformación de MAPFRE, «las insurtech vienen a transformar radicalmente aspectos claves para el futuro del sector asegurador que, si no se abordan, en pocos años dejarán de estar en nuestro mercado para pasar a manos de otros incumbentes». Esta fue una de las ideas que compartió durante el III Congreso Insurtech organizado por ICEA y patrocinado por MAPFRE y Everis, en el que participó en una mesa redonda sobre el rol de inversores y aseguradoras acompañando a Javier Santiso, CEO de Mundi Ventures, firma de venture capital enfocada en startups tecnológicas en la que MAPFRE participa como inversor principal en el fondo de capital riesgo ‘Alma Mundi Insurtech Fund, FCRE’.

Refrendando esta idea de sinergias y en el presente y futuro compartido entre aseguradoras y startups, para Santiso, el peligro para la industria aseguradora “no son las insurtech sino los grandes grupos tecnológicos, como Amazon o Alibaba, con capacidad y recursos para entrar en otros sectores. Por eso apostamos por fomentar un modelo colaborativo B2B en el que la innovación y el empuje de las insurtech se sumen a la experiencia y los canales maduros de los grupos aseguradores ya asentados”. El CEO de Mundi Ventures profundizó también en las diferencias entre Europa y Estados Unidos en cuanto a inversión en este ecosistema: “En Europa la intensidad de capital es menor, por eso se busca que las empresas moneticen más rápido, mientas que en allí contemplan pérdidas durante periodos más largos. Por eso es clave la apuesta de inversores institucionales como MAPFRE apoyando la inversión Venture Capital”.

Cuscó puso también en valor este tipo de relaciones: “En MAPFRE Open Innovation nuestra participación en Alma Mundi nos ayuda no solo en la consecución de la excelencia operacional del modelo actual sino también a abordar nuevas líneas de negocio”, poniendo como ejemplos “el caso de Kovrr, starup israelí dedicada al mundo de la ciberseguridad que estamos utilizando en MAPFRE RE abordar la suscripción afirmativa en el mundo del reaseguro; o el caso de Shift que nos facilita una automatización extremo a extremos en hogar y autos y, además de mejorar nuestra eficiencia, nos permite lanzar productos en la aseguración de objetos personales con pólizas pequeñas de 5, 10, 15 euros, algo que no podría ser realidad con el modelo operativo actual”.

Dentro de la relación de MAPFRE con las insurtech también se destacó el papel de insur_space como programa ‘go to market’ para startups, que nos ha permitido llevar a nuestros clientes servicios e innovaciones como las de Woom Health en el terreno de la salud sexual y reproductiva de las mujeres; o Aerial, en el cuidado y monitorización de manera no invasiva de personas mayores que viven solas.

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