The role of the Brazilian Insurance Confederation in consumer protection and financial education
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1 10 th International Microinsurance Conference Munich Re Foundation Mexico City, November 12th, 2014 The role of the Brazilian Insurance Confederation in consumer protection and financial education Solange Beatriz Palheiro Mendes Executive Director
2 AGENDA 1. A general perspective of the Brazilian society 2. The role of the Brazilian Insurance Confederation CNseg, in consumer protection and financial education
3 BRAZILIAN SOCIETY - Social Mobility GDP growth Social and Economic policies Growth in gross income Credit expansion Change in income distribution
4 BRAZILIAN SOCIETY minimum wage growth
5 BRAZILIAN SOCIETY - Social Mobility Social classes Millions of people *projection by FGV
6 BRAZILIAN SOCIETY - Credit/GDP : 17,1% (average growth of nominal balance) : 25,4% (average growth of nominal balance) 53,9 56,1 55,9 % of GDP ,8 26,0 24,6 25,7 28,3 30,9 35,5 40,7 43,9 45,4 49, * Source: Brazilian Central Bank New methodology as of 2007 *march 14
7 BRAZILIAN SOCIETY - Welfare policies - SUS (Brazilian Unified State Health System) FGTS (Guarantee fund for time worked - all the employers must deposit 8% on the gross salary in a personal employee account in a governmental bank monthly ) INSS (National Institute of Social Security) Funrural (Assistance and retirement fund for rural workers)
8 BRAZILIAN SOCIETY - Welfare policies Minha Casa, Minha Vida My House, My Life (Housing program, the objective of which is financing housing for families with monthly income of up to R$ 1,395.00) Bolsa Família Family Grant (Conditional income transfer programme, which benefits families in poverty and extreme poverty) Unemployment Insurance / FAT (Based on contributions made to the fund on behalf of the employee, funded by the Worker Support Fund FAT and PIS/PASEP)
9 The structure of CNseg FenSeg FenaPrevi FenaSaúde FenaCap Brazilian Insurance Confederation Brazilian General Insurance Federation Brazilian Private Open Pension Plans and Life Insurance Federation Brazilian Supplementary Health Plans Federation Brazilian Capitalization Federation
10 ROLE AND PROJECTS OF CNSEG IN CONSUMER PROTECTION 1. Dialogue with the regulator 2. Estou Seguro Project 3. Estou Seguro Family booklet 4. National Strategy for Financial Education - ENEF 5. The Safe Soccer Supporter Project 6. All about insurance website 7. Extended warranty educational campaign 8. The Safe Trucker Game
11 DIALOGUE WITH THE REGULATOR Microinsurance Regulation Distribution channels: retail stores, remote/mobile Extended garantee insurance Ombusdman Partnership with Consumer Protection Entities Seminars/workshops (Public Prosecution, Magistracy)
12 DIALOGUE WITH THE REGULATOR Microinsurance regulation Some characteristics of the Microinsurance Legal Framework Companies exclusively established to work with microinsurance and traditional insurers may commercialize microinsurance plans Insurance tickets: simplified contracts Maximum guarantee limit and/or limit of insured amount Life insurance: R$ (~USD 12,245.00) Property, Homeowners: R$ (~USD 32,653.00) Special deadline for claim payments: 10 consecutive days Microinsurance correspondents and microinsurance brokers Use of remote/mobile channels
13 ESTOU SEGURO PROJECT Developing and testing a methodology to disseminate basic concepts of insurance and other risk mitigation strategies lower income communities. Microinsurance Innovation Facility/ILO Jan/2010 to Jul/2013
14 ESTOU SEGURO FAMILY BOOKLET A practical teaching tool to support additional actions carried out by the Estou Seguro Project to 2013 BID/FOMIN - FIDES
15 NATIONAL STRATEGY FOR FINANCIAL EDUCATION - ENEF Integrating financial education in public school curriculum Promoting financial education for retired seniors with an income of under 2 minimum salaries Designing social technology for women beneficiaries of Bolsa Família (conditional income transfer program)
16 THE SAFE SOCCER SUPPORTER PROJECT Street theater plays with insurance concepts during the National Week of Financial Education (and the World Cup) - May 5 th to 9 th, 2014
17 ALL ABOUT INSURANCE A reference website with definitions related to insurance, pension funds and capitalization.
18 EXTENDED WARRANTY EDUCATIONAL CAMPAIGN Did you know your soap opera is guaranteed? Educational campaign for extended warranty consumers
19 EXTENDED WARRANTY EDUCATIONAL CAMPAIGN Frequently asked questions
20 EXTENDED WARRANTY EDUCATIONAL CAMPAIGN Interactive platform for consumers and insurers
21 THE SAFE TRUCKER GAME A web computer game with collectible insurance products and their concepts.
22 Thank you!
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