{"id":22887,"date":"2025-04-23T02:29:36","date_gmt":"2025-04-23T00:29:36","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=22887"},"modified":"2025-04-23T04:01:56","modified_gmt":"2025-04-23T02:01:56","slug":"la-revolucion-de-los-seguros-parametricos","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/la-revolucion-de-los-seguros-parametricos\/","title":{"rendered":"La revoluci\u00f3 de les assegurances param\u00e8triques"},"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>MERCAT<\/pre>\n<h2>La revoluci\u00f3 de les assegurances param\u00e8triques<\/h2>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<strong>Productes basats en fets objectius com la temperatura, la pluja o els terratr\u00e8mols<\/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_1745368932363{margin-bottom: 20px !important;}&#8221;]<\/p>\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>Les assegurances param\u00e8triques s\u00f3n relativament poc conegudes, per\u00f2 es van obrint pas en el m\u00f3n assegurador. La seva particularitat radica en que es basen \u00fanicament en fets objectius, prescindint de subjectivitats. confirmen que les pluges van estar un 30% per sota de la mitjana hist\u00f2rica i aix\u00f2 \u00e9s una cosa que figura a la p\u00f2lissa. Aix\u00f2 \u00e9s una asseguran\u00e7a param\u00e8trica: un producte que indemnitza basant-se en dades objectives mesurables (pluja, vent, terratr\u00e8mols, temperatura) en lloc de p\u00e8rdues subjectives.<\/p>\n<p><b>Per qu\u00e8 s\u00f3n una revoluci\u00f3 per a mediadors?<\/b><\/p>\n<ol>\n<li><strong>Evita conflictes:<\/strong> Elimina discussions per valoraci\u00f3 de danys.<\/li>\n<li><strong>Clients satisfets:<\/strong> Pagaments en 48-72 hores davant de setmanes o mesos en assegurances m\u00e9s tradicionals.<\/li>\n<li><strong>Nous mercats:<\/strong> Atreu sectors abans dif\u00edcils d&#8217;assegurar (ex: esdeveniments a l&#8217;aire lliure).<\/li>\n<\/ol>\n<p>Heus aqu\u00ed un cas real. A l&#8217;abril de 2023, una gelada tardana (-4\u00b0C) va arrasar 200 hect\u00e0rees de vinyes a Haro (La Rioja). Els danys van pujar a \u20ac1.2 milions en ra\u00efm ull de llebre perduts. La soluci\u00f3 param\u00e8trica va ajudar el prenedor de l&#8217;asseguran\u00e7a perqu\u00e8 el viticultor tenia una asseguran\u00e7a param\u00e8trica amb aquests termes:<\/p>\n<ul>\n<li>Disparador: Temperatura \u2264 -2\u00b0C durant +2 hores (mesurat per estacions oficials d&#8217;AEMET).<\/li>\n<li>Pagament autom\u00e0tic: \u20ac5,000 per cada hect\u00e0rea afectada.<\/li>\n<\/ul>\n<p>A les 48 hores de produir-se la gelada, va rebre un mili\u00f3 d&#8217;euros al compte, sense necessitat de peritatges ni reclamacions. Com ho va vendre el mediador? Va exposar un embolcall legal que consistia a combinar la nova asseguran\u00e7a param\u00e8trica amb la seva p\u00f2lissa tradicional. Va fer servir un argument clau: &#8220;Prefereix esperar 6 mesos que li paguin\u2026 o tenir liquiditat immediata per replantar?&#8221;. El client no va dubtar.<\/p>\n<p><b>Sectors clau per vendre assegurances param\u00e8triques<\/b><\/p>\n<p><b>1. Agricultura<\/b><\/p>\n<ul>\n<li><strong>Productes estrella:<\/strong> Sequera, gelades, calamarsa.<\/li>\n<li><strong>Dada clau:<\/strong> A Espanya, moltes comunitats aut\u00f2nomes subvencionen fins al 50% de la prima (ex: Andalusia, Castella-la Manxa).<\/li>\n<\/ul>\n<p><b>2. Esdeveniments<\/b><\/p>\n<ul>\n<li><strong>Exemple:<\/strong> *Festival de m\u00fasica que assegura el 80% d&#8217;ingressos si plou m\u00e9s de cinc hores.<\/li>\n<li><strong>Clients:<\/strong> Organitzadors de casaments a l&#8217;aire lliure, fires, esdeveniments de tota mena\u2026<\/li>\n<\/ul>\n<p><b>3. Cat\u00e0strofes Naturals<\/b><\/p>\n<ul>\n<li><strong>Terratr\u00e8mols:<\/strong> Pagament autom\u00e0tic si se supera una magnitud fixada (ex: 6.0 a l&#8217;escala de Richter).<\/li>\n<li><strong>Inundacions:<\/strong> Nivell daigua en rius mesurat per sensors.<\/li>\n<\/ul>\n<p><b>Com Vendre&#8217;ls: 4 Estrat\u00e8gies per a Mediadors<\/b><\/p>\n<ul>\n<li><strong>Aliar-se amb insurtechs:<\/strong> Plataformes com Blink Parametric o Kovrr ofereixen solucions *white-label*.<\/li>\n<li><strong>Paquetitzar:<\/strong> Asseguran\u00e7a tradicional del negoci a qu\u00e8 s&#8217;afegeix un segru de cobertura param\u00e8trica.<\/li>\n<li><strong>Usar analogies:<\/strong> &#8220;\u00c9s com un term\u00f2metre: Si marca 40\u00b0C, vost\u00e8 cobra&#8221;.<\/li>\n<li><strong>Enfocar-se a la velocitat:<\/strong> &#8220;Diners en 72 hores, no en 72 dies&#8221;.<\/li>\n<\/ul>\n<p>El cas de la Rioja demostra que aquestes assegurances tenen molt recorregut per endavant. El mercat global de param\u00e8trics creixer\u00e0 un 29% anual fins al 2030, segons 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<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>\u00daltimes not\u00edcies<\/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;] MERCAT La revoluci\u00f3 de les assegurances param\u00e8triques [\/vc_column_text][vc_column_text css=&#8221;&#8221;]Productes basats en fets objectius com la temperatura, la pluja o els terratr\u00e8mols[\/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_1745368932363{margin-bottom: 20px !important;}&#8221;] Les assegurances param\u00e8triques s\u00f3n relativament poc conegudes, per\u00f2 es van obrint pas en el m\u00f3n assegurador. La seva particularitat radica en que es basen \u00fanicament en<\/p>\n","protected":false},"author":562,"featured_media":22904,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[160,1868,2052],"class_list":["post-22887","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mediarionews","tag-mn-2","tag-mn272-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La revoluci\u00f3 de les assegurances param\u00e8triques - 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\/la-revolucion-de-los-seguros-parametricos\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La revoluci\u00f3 de les assegurances param\u00e8triques - 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;] MERCAT La revoluci\u00f3 de les assegurances param\u00e8triques [\/vc_column_text][vc_column_text css=&#8221;&#8221;]Productes basats en fets objectius com la temperatura, la pluja o els terratr\u00e8mols[\/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_1745368932363{margin-bottom: 20px !important;}&#8221;] Les assegurances param\u00e8triques s\u00f3n relativament poc conegudes, per\u00f2 es van obrint pas en el m\u00f3n assegurador. 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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\/la-revolucion-de-los-seguros-parametricos\/","og_locale":"ca_ES","og_type":"article","og_title":"La revoluci\u00f3 de les assegurances param\u00e8triques - 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;] MERCAT La revoluci\u00f3 de les assegurances param\u00e8triques [\/vc_column_text][vc_column_text css=&#8221;&#8221;]Productes basats en fets objectius com la temperatura, la pluja o els terratr\u00e8mols[\/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_1745368932363{margin-bottom: 20px !important;}&#8221;] Les assegurances param\u00e8triques s\u00f3n relativament poc conegudes, per\u00f2 es van obrint pas en el m\u00f3n assegurador. 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