Country Panel Session Colombia
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1 MAPFRE COLOMBIA
2 Country Panel Session Colombia 2012 IGP Seminar Boston, MA USA September Mr. Jaime Andres Rivera Vice-President MAPFRE Colombia
3 AGENDA Colombia - General Information Social Security Benefits Pension Health Workmen s compensation Private Benefits Pension Gap
4 Colombia General Information Capital City: Bogotá, (pop. about 8 million) Population: 47,5 million. Currency: Colombian Pesos Language: Spanish
5 Colombia Economic Indicators Unemployment rate 11.2% 12,00% 10,8% 10,5% Inflation 4.2% 3,1% 3,7% 4.1% Real GDP growth per capita 4,258 3,611 4,193 4,758 Real GDP growth (Millions of Dollars) 208,8 145,1 171,
6 in Colombia
7 MAPFRE Colombia Market Position
8 Offices Network Dic-11 OFICINAS # OFICINAS PROPIAS 48 OFICINAS DELEGADAS 84 OFICINAS EXCLUSIVAS 2 OFICINAS FRANQUICIAS 24 TOTAL OFICINAS 158 OFICINA CENTRAL 1 REGIONALES 12 TOTAL ESTRUCTURA 171
9 Social Security Benefits Colombia
10 Social Security System and Employee Benefits There are three independent systems: Pensions Health Occupational Health & Safety and Workmen s Compensation
11 Pension Colombian pension system has dual public-private competitive schemes: A state-managed, defined benefit scheme, Instituto de los Seguros Sociales (ISS) A privately managed defined contribution scheme, Pension Fund Administrators (Administradoras de Fondos de Pensiones AFP s) Employees can switch between public and private system every five years.
12 Pension Benefits
13 Health Health care system has two components: Private System (PS) (Employees with a contract or independent workers with the ability to pay) Subsidized System (SS) (People without the ability to pay) The insurance component is based on Health Promotion Company (EPS Entidad Promotora de Salud) offering the mandatory basic health care plan called POS (Plan Obligatorio de Salud).
14 Occupational Health and Safety Workmen s compensation Occupational health care and safety is offered by insurance companies known as Occupational Risk Administrators. Premiums are all paid by the employer according to the company s economic activity and risk classification.
15 Occupational Benefits Hospital and medical assistance, surgery, treatment, therapy, pharmacy, rehabilitation treatments
16 Private Benefits Colombia
17 MAPFRE Objectives Toward Our Customers PRINCIPAL OBJECTIVE To offer our clients creative and suitable plans for life insurance, health insurance and workmen s compensation for their employees Flexible coverages Different alternatives for life protection Coverage of pension gaps caused by flexible compensation To optimize the benefits that the company offers to its employees
18 Group Life Insurance The principal insurance objective is to provide a lump sum death benefit. Additional coverages: Accidental Death Permanent and Total Disability Critical Illness Burial Insurance Medical Expense
19 Pension Gap Pension gap is the difference between the real employee s wage and the real pension income. Caused by NATURAL SOCIAL SECURITY GAP FLEXIBLE REMUNERATION MAXIMUM CONTRIBUTION WAGE
20 Pension Gap Non-Flexible Salary
21 Pension Gap Flexible Salary Calculations were made based on a wage amount equal to COP = 10,000,000, US= 5000
22 Pension Gap Insurance The principal insurance objective is to cover the pension gap. Basic Benefits Disability Pension Survivor s Pension Temporary Total Disability
23 Health Insurance Supplementary Health Insurance covers benefits that the mandatory basic health plan doesn t cover or requires complicated procedures to get the benefit.
24 Other Products Credit life Personal Accidents Burial Insurance
25 toward the future Continue being the leading company providing employee benefits in Colombia. To formulate and provide different employee benefit plans. To grow and establish a market position as a leading company in Colombia.
26 Thank you for your attention! Mapfre Colombia Mr. Leon Guillermo Cano Gonzalez Collectives and Assistance Manager Group Program Phone (57) (1) (ext.) Mr. Daniel Castrillon Botero Actuary Phone (57) (1) (ext.)
27 Thanks.
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