{"id":22893,"date":"2025-04-23T02:29:36","date_gmt":"2025-04-23T00:29:36","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/la-revolucion-de-los-seguros-parametricos\/"},"modified":"2025-04-23T03:10:10","modified_gmt":"2025-04-23T01:10:10","slug":"la-revolucion-de-los-seguros-parametricos","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/es\/la-revolucion-de-los-seguros-parametricos\/","title":{"rendered":"La revoluci\u00f3n de los seguros param\u00e9tricos"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<pre>MERCADO<\/pre>\n<h2><b>La revoluci\u00f3n de los seguros param\u00e9tricos<\/b><\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<strong>Productos basados en hechos objetivos como la temperatura, la lluvia o los terremotos<\/strong>[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1745368168809{margin-bottom: 20px !important;}&#8221;]<\/p>\n<div>\n<div class=\"nH\">\n<div class=\"nH\">\n<div class=\"nH aqk aql bkL\">\n<div class=\"nH bkK\">\n<div class=\"nH\">\n<div class=\"nH ar4 z\">\n<div class=\"aeI\">\n<div class=\"AO\">\n<div id=\":3\" class=\"Tm aeJ\">\n<div id=\":1\" class=\"aeF\">\n<div class=\"nH\">\n<div class=\"nH\" role=\"main\">\n<div class=\"nH g\">\n<div class=\"nH a98 iY\">\n<div class=\"nH\">\n<div class=\"aHU hx\">\n<div role=\"list\">\n<div class=\"h7 ie\" tabindex=\"-1\" role=\"listitem\" aria-expanded=\"true\">\n<div class=\"Bk\">\n<div class=\"G3 G2 afm\">\n<div id=\":1oy\">\n<div class=\"adn ads\" data-message-id=\"#msg-f:1830105337055001652\" data-legacy-message-id=\"1965d71b94b5bc34\">\n<div class=\"gs\">\n<div class=\"\">\n<div id=\":1ol\" class=\"ii gt adP\">\n<div id=\":1oc\" class=\"a3s aiL \">\n<div dir=\"ltr\">\n<p>Los seguros param\u00e9tricos son relativamente poco conocidos, pero se van abriendo paso en el mundo asegurador. Su particularidad radica en que se basan \u00fanicamente en hechos objetivos, prescindiendo de subjetividades. Por ejemplo, en el caso de un agricultor, este no necesita rellenar formularios ni esperar semanas a que un perito eval\u00fae los da\u00f1os de una sequ\u00eda. En su lugar, recibe un pago autom\u00e1tico en su cuenta porque los datos oficiales confirman que las lluvias estuvieron un\u00a030% por debajo del promedio hist\u00f3rico y eso es algo que figura en la p\u00f3liza. Eso es un\u00a0seguro param\u00e9trico: un producto que indemniza bas\u00e1ndose en\u00a0datos objetivos medibles\u00a0(lluvia, viento, terremotos, temperatura) en lugar de p\u00e9rdidas subjetivas.<\/p>\n<p><b>\u00bfPor qu\u00e9 son una revoluci\u00f3n para mediadores?<\/b><\/p>\n<ol>\n<li><b>Evita conflictos<\/b>: Elimina discusiones por valoraci\u00f3n de da\u00f1os.<\/li>\n<li><b>Clientes satisfechos<\/b>: Pagos en\u00a048-72 horas frente a semanas o meses en seguros m\u00e1s tradicionales.<\/li>\n<li><b>Nuevos mercados<\/b>: Atrae a sectores antes dif\u00edciles de asegurar (ej: eventos al aire libre).<\/li>\n<\/ol>\n<p>He aqu\u00ed un caso real. En abril de 2023, una\u00a0helada tard\u00eda\u00a0(-4\u00b0C) arras\u00f3\u00a0200 hect\u00e1reas de vi\u00f1edos\u00a0en Haro (La Rioja). Los da\u00f1os ascendieron\u00a0a \u20ac1.2 millones en uvas tempranillo perdidas. La soluci\u00f3n param\u00e9trica ayud\u00f3 al tomador del seguro porque el viticultor ten\u00eda un seguro param\u00e9trico con estos t\u00e9rminos:<\/p>\n<ul>\n<li>Disparador: Temperatura \u2264 -2\u00b0C durante +2 horas (medido por estaciones oficiales de AEMET).<\/li>\n<li>Pago autom\u00e1tico: \u20ac5,000 por cada hect\u00e1rea afectada.<\/li>\n<\/ul>\n<p>A las\u00a048 horas\u00a0de producirse la helada, recibi\u00f3 un mill\u00f3n\u00a0de euros en su cuenta, sin necesidad de peritajes ni reclamaciones. \u00bfC\u00f3mo lo vendi\u00f3 el mediador? Expuso un envoltorio legal que consist\u00eda en combinar el nuevo seguro param\u00e9trico con su p\u00f3liza tradicional. Us\u00f3 un argumento clave:\u00a0&#8220;\u00bfPrefiere esperar 6 meses a que le paguen\u2026 o tener liquidez inmediata para replantar?\u201d. El cliente no dud\u00f3.<\/p>\n<p><b>Sectores clave para vender seguros param\u00e9tricos<\/b><\/p>\n<p><b>1. Agricultura<\/b><\/p>\n<ul>\n<li><b>Productos estrella<\/b>: Sequ\u00eda, heladas, granizo.<\/li>\n<li><b>Dato clave<\/b>: En Espa\u00f1a, muchas CCAA\u00a0subvencionan hasta el 50%\u00a0de la prima (ej: Andaluc\u00eda, Castilla-La Mancha).<\/li>\n<\/ul>\n<p><b>2. Eventos<\/b><\/p>\n<ul>\n<li><b>Ejemplo:<\/b>\u00a0*Festival de m\u00fasica que asegura el 80% de ingresos si llueve m\u00e1s de cinco horas.<\/li>\n<li><b>Clientes<\/b>: Organizadores de bodas al aire libre, ferias, eventos de todo tipo\u2026<\/li>\n<\/ul>\n<p><b>3. Cat\u00e1strofes Naturales<\/b><\/p>\n<ul>\n<li><b>Terremotos<\/b>: Pago autom\u00e1tico si se supera una magnitud fijada (ej: 6.0 en la escala de Richter).<\/li>\n<li><b>Inundaciones<\/b>: Nivel de agua en r\u00edos medido por sensores.<\/li>\n<\/ul>\n<p><b>C\u00f3mo Venderlos: 4 Estrategias para Mediadores<\/b><\/p>\n<ul>\n<li><b>Aliarse con insurtechs<\/b>: Plataformas como\u00a0Blink Parametric\u00a0o\u00a0Kovrr\u00a0ofrecen soluciones\u00a0*white-label*.<\/li>\n<li><b>Paquetizar<\/b>:\u00a0Seguro tradicional del negocio al que se a\u00f1ade un segruo de cobertura param\u00e9trica.<\/li>\n<li><b>Usar analog\u00edas<\/b>:\u00a0<i>&#8220;Es como un term\u00f3metro: Si marca 40\u00b0C, usted cobra&#8221;<\/i>.<\/li>\n<li><b>Enfocarse en la velocidad<\/b>:\u00a0<i>&#8220;Dinero en 72 horas, no en 72 d\u00edas&#8221;<\/i>.<\/li>\n<\/ul>\n<p>El caso de La Rioja demuestra que estos seguros tiene mucho recorrido por delante. El mercado global de param\u00e9tricos crecer\u00e1 un 29% anual hasta 2030, seg\u00fan Markets and Markets.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/4&#8243;][stm_spacing lg_spacing=&#8221;50&#8243; md_spacing=&#8221;50&#8243; sm_spacing=&#8221;50&#8243; xs_spacing=&#8221;50&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h2>\u00daltimas noticias<\/h2>\n<p>[\/vc_column_text][stm_news loop=&#8221;size:4|order_by:date|order:DESC|post_type:post|categories:8&#8243; posts_per_row=&#8221;2&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] MERCADO La revoluci\u00f3n de los seguros param\u00e9tricos [\/vc_column_text][vc_column_text css=&#8221;&#8221;]Productos basados en hechos objetivos como la temperatura, la lluvia o los terremotos[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1745368168809{margin-bottom: 20px !important;}&#8221;] Los seguros param\u00e9tricos son relativamente poco conocidos, pero se van abriendo paso en el mundo asegurador. Su particularidad radica en que se basan \u00fanicamente en hechos<\/p>\n","protected":false},"author":562,"featured_media":22906,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[161,1867,2051],"class_list":["post-22893","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-es-noticias","tag-mediarionews","tag-mn","tag-mn272"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La revoluci\u00f3n de los seguros param\u00e9tricos - Col-legi de Mediadors d&#039;Assegurances de Barcelona<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.elcol-legi.org\/w\/es\/la-revolucion-de-los-seguros-parametricos\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La revoluci\u00f3n de los seguros param\u00e9tricos - Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] MERCADO La revoluci\u00f3n de los seguros param\u00e9tricos [\/vc_column_text][vc_column_text css=&#8221;&#8221;]Productos basados en hechos objetivos como la temperatura, la lluvia o los terremotos[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1745368168809{margin-bottom: 20px !important;}&#8221;] Los seguros param\u00e9tricos son relativamente poco conocidos, pero se van abriendo paso en el mundo asegurador. 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Col-legi de Mediadors d&#039;Assegurances de Barcelona","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.elcol-legi.org\/w\/es\/la-revolucion-de-los-seguros-parametricos\/","og_locale":"es_ES","og_type":"article","og_title":"La revoluci\u00f3n de los seguros param\u00e9tricos - Col-legi de Mediadors d&#039;Assegurances de Barcelona","og_description":"[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] MERCADO La revoluci\u00f3n de los seguros param\u00e9tricos [\/vc_column_text][vc_column_text css=&#8221;&#8221;]Productos basados en hechos objetivos como la temperatura, la lluvia o los terremotos[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1745368168809{margin-bottom: 20px !important;}&#8221;] Los seguros param\u00e9tricos son relativamente poco conocidos, pero se van abriendo paso en el mundo asegurador. Su particularidad radica en que se basan \u00fanicamente en hechos","og_url":"https:\/\/www.elcol-legi.org\/w\/es\/la-revolucion-de-los-seguros-parametricos\/","og_site_name":"Col-legi de Mediadors d&#039;Assegurances de Barcelona","article_published_time":"2025-04-23T00:29:36+00:00","article_modified_time":"2025-04-23T01:10:10+00:00","og_image":[{"width":2560,"height":1722,"url":"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2025\/04\/noaa-sg-jiP9jPmY-unsplash-scaled.jpg","type":"image\/jpeg"}],"author":"Marc Alcaraz","twitter_card":"summary_large_image","twitter_misc":{"Escrito por":"Marc Alcaraz","Tiempo de lectura":"3 minutos"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.elcol-legi.org\/w\/es\/la-revolucion-de-los-seguros-parametricos\/#article","isPartOf":{"@id":"https:\/\/www.elcol-legi.org\/w\/es\/la-revolucion-de-los-seguros-parametricos\/"},"author":{"name":"Marc Alcaraz","@id":"https:\/\/www.elcol-legi.org\/w\/es\/#\/schema\/person\/4283d40fbd72a940d5fff484fe5ec410"},"headline":"La revoluci\u00f3n de los seguros param\u00e9tricos","datePublished":"2025-04-23T00:29:36+00:00","dateModified":"2025-04-23T01:10:10+00:00","mainEntityOfPage":{"@id":"https:\/\/www.elcol-legi.org\/w\/es\/la-revolucion-de-los-seguros-parametricos\/"},"wordCount":642,"image":{"@id":"https:\/\/www.elcol-legi.org\/w\/es\/la-revolucion-de-los-seguros-parametricos\/#primaryimage"},"thumbnailUrl":"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2025\/04\/noaa-sg-jiP9jPmY-unsplash-scaled.jpg","keywords":["MediarioNews","MN","MN272"],"articleSection":["Noticias"],"inLanguage":"es"},{"@type":"WebPage","@id":"https:\/\/www.elcol-legi.org\/w\/es\/la-revolucion-de-los-seguros-parametricos\/","url":"https:\/\/www.elcol-legi.org\/w\/es\/la-revolucion-de-los-seguros-parametricos\/","name":"La revoluci\u00f3n de los seguros param\u00e9tricos - 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