Examinando por Materia "SEGUROS"
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Ítem Análisis de los presupuestos de las cláusulas abusivas en el contrato de seguro bajo la ley colombiana y su aplicación en casos prácticos(Universidad EAFIT, 2022) Sierra Gómez, Laura; Villegas Ríos, Juanita; Ceballos Klinkert, LauraDue to the high demand of insurance contracts, the insurers have implemented the contracting of these through adhesion contracts, which possibly imply an unbalance between the parties. As a result, the insurance company usually imposes unfair terms on the insured, in detriment of his rights. However, the criteria for identifying unfair terms in the insurance agreement are not fully specified in our legal system. Therefore, it is of major importance for the insured to be aware of the requirements that make up such clauses. Consequently, this paper will identify the characteristics of unfair terms in the framework of the insurance contract in Colombia, based on an integrated analysis of the relevant laws, the jurisprudence of the Supreme Court of Justice and the national and foreign doctrine. Afterwards, a casuistic analysis will be carried out, which shall allow to put into practice, and thus reinforce, the previously analyzed theory.Ítem Cuantificación del requerimiento de capital de los riesgos operacionales en la industria aseguradora(Universidad EAFIT, 2021) Palacio Vásquez, Alejandro; Bustos-Morón Idárraga, KristinIn this paper, a methodology for quantifying the capital requirement of operational risks is proposed, under the international Solvency II framework of reference, which involves relevant variables of insurance companies and risk matters. Said methodology raises the quantitative standard of this risk, which is mainly subjective and aims, on the path and objective that insurance companies have of continuing to generate confidence in their clients through an adequate estimate of Risk-Based Capital for their management.Ítem Customer churn prediction in insurance industries : a multiproduct aproach(Universidad EAFIT, 2020) Henao Madrigal, Mauricio; Laniado Rodas, Henry; Restrepo Tobón, Diego AlexanderCustomers in the insurance industry usually have multiple products under the same company. Due to the importance of costumers and the increase of quality and satisfaction given in services, churn prediction for multiproduct customers has become important to support customer satisfaction. An estimation was made, using survival models, to find the determinants that most affect multiproduct customer churn. Using data from a Latin American company, the estimation shows that the first product cancellation influences customer churn. The variables that have the strongest influence in churning are the number of cancelled products, the customers portfolio, the claims paid and the distribution channel. On the other hand, the variables that increase the life time of the customer in the company after the first cancellation are the maximum number of products the customer has had and having a health insurance after the first cancellation. This study contributes by identifying the significant variables that influence customer churn in the Latin American insurance industry, and estimating the time a customer will remain in the company after the first cancellation, which will help stakeholders on the achievement of a customer centered strategy.Ítem Estructuración de un modelo de tarifación para productos de financiación en una compañía asociada a la industria aseguradora(Universidad EAFIT, 2024) Arango Franco, Mariana; Vélez Lopera, Felipe; Cardona Llano, Juan FelipePublicación Impacto de los derivados financieros en el ALM y la generación de valor de una compañía aseguradora en Colombia bajo NIIF 17(Universidad EAFIT, 2025) Uribe Mejía, Tatiana; Marín Castaño, Deisy JohanaÍtem La importancia de la Intermedación de seguros en Colombia(Universidad EAFIT, 2023) Restrepo Vera, Juan Esteban; Gómez Molina, Diana MaríaWith a strict study, enunciation, and analysis of the regulations that govern the insurance brokerage activity in Colombia, this work will highlight the importance of the role played by insurance intermediaries in the development of the insurance industry in Colombia. It begins by describing and conceptualizing the brokerage activity from a legal standpoint, then proceeds to classify them according to their diverse types and the way they contractually relate to the insurer. The duties of the intermediaries are analyzed, within which their functions are framed, and it concludes by making some less theoretical observations to highlight, through practical examples, the importance of each of the functions that insurance intermediaries perform for the benefit of the insurance industry in Colombia. This industry is defined as a matter of public interest by our political constitution and is a restricted activity that can only be conducted by those previously authorized by the State, with the purpose of protecting good practices in the sector and the consumer.Ítem Manual del abogado americano : tomo primero / por D. J. E. de O., profesor de jurisprudencia(Bruxelas : Wahlen, 1839) Ochoa, Juan Eugenio de, 1784-1847Ítem Marco de referencia de un modelo de aseguramiento retrospectivo(Universidad EAFIT, 2023) Cardona Varela, Diana Carolina; Hernández Monsalve, María CristinaÍtem Microseguro para contingencias que implican aislamiento(Universidad EAFIT, 2023) Miranda García, Nathalia; Ramírez Bedoya, Juliana; Peña Higuavita, Germán AdolfoThe general objective of the present document is to present the design of the financial structure of a protection microinsurance in contingency situations that imply isolation, focused on impoverished population segments that are engaged in informal employment in Pereira. To achieve this, a systemic structure was proposed, that begins with a bibliographic review, characterization and diagnosis of the target population, then financial projections, sales statistics and average premiums was made, through Bayesian credibility as an instrument for establishing the premium. The initial diagnosis allowed to do a humanized x-ray of street vendors in Pereira, their financial dynamics and the pertinent market study for access to microinsurance, with elements of financial inclusion. Financial projections through Bayesian credibility theory adapted to the universe of microinsurance establishes alternative models for the identification of premiums, considering collective premiums as a unit of measurement and approach. Ultimately, the document shows that a pedagogical contribution is necessary for the introduction of families in the financial universe, for this reason it proposes an educational act in the sales process with the capacity to sustain and encourage itself in the post-sale process.Ítem Modelo estratégico financiero para un intraemprendimiento de seguros digitales Insurtech(Universidad EAFIT, 2022) Tonguino Rosero, Carlos Fidel; Sánchez Ribero, Gustavo AlbertoStartups are high-risk businesses because it is unknown whether the value offer will be accepted by customers, therefore their evaluation requires a disruptive strategic and financial model through which to identify, measure, and reduce the risks that can lead to the failure of the Startup, the strategic model and adequate management of corporate finance are enablers of an intrapreneurship project of an insurtech that as a hypothesis can be part of a large financial group in Colombia and that aims to be a tool to ensure competition with digital attackers, Fintechs and other Startups by offering micro insurance, inclusive insurance and mass insurance.Ítem Procedencia del pago del lucro cesante futuro a los padres de menores de edad fallecidos por un hecho generador de responsabilidad civil(Universidad EAFIT, 2022) Gómez Gallardo, María Camila; Henao Velásquez, Carlos Andrés; Alzate Tobón, Laura DanielaÍtem El seguro de infidelidad y riesgos financieros dentro del contexto jurídico colombiano : un análisis crítico de la noción de descubrimiento y la carga de probar la intención de generar un detrimento patrimonial y la ganancia financiera indebida del empleado(Universidad EAFIT, 2023) Patiño Gallón, María José; Velásquez Uribe, Andrea; Alzate Tobón, Laura DanielaÍtem Seguros paramétricos en Colombia : una nueva modalidad de aseguramiento(Universidad EAFIT, 2022) Cortés Sánchez, Carolina; Castaño Marín, Alejandro; Estrada Escobar, Luis Felipe