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<p id="1">La evoluci&oacute;n digital de las empresas permite, por un lado, que los clientes tengan un mejor acceso a los productos existentes, por otro, facultan una nueva oferta de servicios que, sin las tecnolog&iacute;as, ser&iacute;an imposibles.</p>
<p id="2">Un claro ejemplo se resalta en el sector de las aseguradoras que, a pesar de ser una de los m&aacute;s tradicionalistas, poco a poco ha ido migrando al formato digital. Al momento de hablar de comprar un seguro (de autos, de vida, de gastos m&eacute;dicos, entre otros),&nbsp;para algunas personas todav&iacute;a surge el estereotipo del t&iacute;pico vendedor de p&oacute;lizas, mientras que, para otras, la digitalizaci&oacute;n les ha brindado una nueva y m&aacute;s sencilla forma de adquirir su seguro: las insurtech.</p>
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<p id="1"><strong>&iquest;QU&Eacute; SON LAS INSURTECH?&nbsp;</strong></p>
<p>Este concepto surge el 2010, pero en los &uacute;ltimos a&ntilde;os ha generado mayor inter&eacute;s, ya que est&aacute; revolucionando la industria de las aseguradoras. Para la Condusef (en su revista digital) este nuevo tipo de empresas se posicionan como una vertical de las fintech, puesto que, adem&aacute;s de aprovechar la accesibilidad de las plataformas digitales, tambi&eacute;n involucra a las innovaciones que han habilitado nuevos modelos de negocio de &iacute;ndole financiero, pero con una orientaci&oacute;n al sector de seguros.</p>
<p>En concreto, se trata de startups o nuevas compa&ntilde;&iacute;as respaldadas por las aseguradoras tradicionales y est&aacute;n brindando&nbsp;una renovada clase de servicios en el sector de seguros, a un menor costo y, sobre todo, de f&aacute;cil contrataci&oacute;n, gracias al aprovechamiento de las plataformas digitales.</p>
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<p id="1"><strong>LOS SEGUROS DE LAS NUEVAS GENERACIONES&nbsp;</strong></p>
<p>Si bien las insurtech surgen al dirigir los avances tecnol&oacute;gicos como big data, machine learning, anal&iacute;tica de datos, entre otras, hacia la industria de seguros, su popularidad es provocada por la llegada de las nuevas generaciones al mercado laboral.</p>
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<p id="1"><em><strong>Insurtech deriva de la uni&oacute;n de las palabras en ingl&eacute;s: Insurance (seguro) + Technology (tecnolog&iacute;a)</strong></em></p>
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<p id="1">Los j&oacute;venes pertenecientes a las generaciones millennial y centennial prefieren servicios que puedan ser contratados y administrados a trav&eacute;s de sus dispositivos digitales. Pero, adem&aacute;s, cuando se trata espec&iacute;ficamente de p&oacute;lizas de seguro, buscan costos m&aacute;s accesibles.</p>
<p id="2">Uno de los principales atractivos de las Insurtech es su balance costo-beneficio, en comparaci&oacute;n con los seguros cl&aacute;sicos. Esto es posible dado que al contratarse mediante las plataformas digitales, las aseguradoras pueden brindar un mejor precio al prescindir de algunos costos operativos de los seguros cl&aacute;sicos.</p>
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<p><img src="https://cdn.magzter.com/1384877718/1677603427/articles/GkHDAq_x21678178675877/2811626677.jpg"></p>
<p id="1"><strong>INTER.MX TRANSFORMA LAS INSURTECH EN M&Eacute;XICO&nbsp;</strong></p>
<p>INTERprotecci&oacute;n, el broker de seguros m&aacute;s grande de M&eacute;xico y Latinoam&eacute;rica, ha sabido entender y atender las necesidades de los nuevos clientes a trav&eacute;s de inter.mx, su plataforma digital que lleg&oacute; para transformar la industria de insurtech en M&eacute;xico.</p>
<p id="2">El modelo de negocio de inter.mx est&aacute; enfocado en llevar a sus clientes a la vanguardia con un producto innovador y disruptivo. Su dise&ntilde;o le quita lo complicado a los seguros, mejorando la experiencia del usuario al transformar la manera en que adquieren e interact&uacute;an con sus servicios.</p>
<p id="3">Otra innovaci&oacute;n que ha permitido a inter.mx colocarse como la insurtech mexicana referente en el mercado, es la posibilidad de comparar opciones de productos&nbsp;para que cada cliente encuentre el que mejor se adapte a sus necesidades. Con esta funcionalidad, las personas cotizan y contratan el seguro que m&aacute;s les convenga desde un solo lugar y en menos de cinco minutos, eligiendo entre diferentes aseguradoras los distintos productos como: M&eacute;dico Seguro y Coche Seguro.</p>
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<p>Para INTERprotecci&oacute;n, la digitalizaci&oacute;n de la industria de seguros abre grandes oportunidades para innovar con productos acordes con las nuevas y cambiantes necesidades de personas y empresas en todo el pa&iacute;s.</p>
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LA DIGITALIZACIÓN TRANSFORMA EL SECTOR DE SEGUROS

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