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ECUADOR YA CUENTA CON UNA NORMA DE MICROSEGURO

abril 16, 2024

ECUADOR YA CUENTA CON UNA NORMA DE MICROSEGURO

La Junta de Política y Regulación Financiera (JPRF) mediante Resolución No. JPRF-S-2024-0106 emitió la Norma para Microseguro cuyo objetivo es establecer un marco regulatorio que promueva servicios de seguros para la población de ingresos mensuales, iguales o menores a un salario básico unificado y que se encuentran por sobre la línea de pobreza definida por el Instituto Ecuatoriano de Estadísticas y Censos (INEC), que proteja financieramente al asegurado ante la materialización de riesgos y precautele la sostenibilidad y estabilidad financiera del sector asegurador.

Los microseguros son productos asequibles y de formato simplificado, diseñados para proteger y cubrir necesidades no satisfechas de la población de bajos ingresos que históricamente han tenido acceso limitado a servicios financieros tradicionales y apoyar financieramente al asegurado frente a la materialización de los riesgos establecidos en el contrato.

En cumplimiento de sus competencias, la JPRF ha emitido, entre otras, políticas y resoluciones de seguros, así como, de inclusión financiera. En esta ocasión, con la intención de incluir en el sector asegurador a aquellos consumidores que no cuentan con el beneficio de una indemnización ante la ocurrencia de un siniestro, la Junta emitió la norma para que el sector asegurador pueda ofrecer productos que de manera simple, asequible y accesible lleguen a la mayoría de los ecuatorianos, especialmente a aquellos que al momento, están excluidos del beneficio de contar con este producto que es anticíclico porque resulta un apoyo para la persona en los momentos más difíciles, cuando se ha producido el siniestro asegurado.

Con esta norma, la Junta reafirma el compromiso de promover la democratización de los servicios financieros y la seguridad de los derechos de usuarios y clientes del sistema financiero nacional, así como la estabilidad de las instituciones financieras, en este caso, las aseguradoras.

La resolución fue emitida el 15 de abril de 2024, fecha en la cual también entró en vigor.

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TERCER ANIVERSARIO DE LA JUNTA DE POLÍTICA Y REGULACIÓN FINANCIERA RETO DE INNOVACIÓN EN MICROSEGUROS

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ECUADOR YA CUENTA CON UNA NORMA DE MICROSEGURO

ECUADOR YA CUENTA CON UNA NORMA DE MICROSEGURO

Con esta norma, la Junta reafirma el compromiso de promover la democratización de los servicios financieros y la seguridad de los derechos de usuarios y clientes del sistema financiero nacional, así como la estabilidad de las instituciones financieras, en este caso, las aseguradoras.

La resolución fue emitida el 15 de abril de 2024, fecha en la cual también entró en vigor.

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ECUADOR YA CUENTA CON UNA NORMA DE MICROSEGURO

ECUADOR YA CUENTA CON UNA NORMA DE MICROSEGURO

Con esta norma, la Junta reafirma el compromiso de promover la democratización de los servicios financieros y la seguridad de los derechos de usuarios y clientes del sistema financiero nacional, así como la estabilidad de las instituciones financieras, en este caso, las aseguradoras.

La resolución fue emitida el 15 de abril de 2024, fecha en la cual también entró en vigor.

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NOTA: REUNIÓN CON JUBILADOS

TERCER ANIVERSARIO DE LA JUNTA DE POLÍTICA Y REGULACIÓN FINANCIERA RETO DE INNOVACIÓN EN MICROSEGUROS

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