El Modelo de Respuesta a Siniestros y su Impacto en los Indicadores Financieros de las Compañías de Seguros en la Ciudad de Cuenca 2017 - 2020
Fecha
2022
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Editor
Universidad Católica de Cuenca.
Resumen
En la actualidad las compañías de seguros se basan en modelos de respuesta para los siniestros, herramienta que verifica el estado en tiempo real de los contratiempos de sus asegurados, forzando a las compañías a mejorar procesos, directrices y atención al cliente. El objetivo del presente artículo es establecer pautas y estrategias que ayuden al actual modelo de recepción de siniestros y brindar una pronta respuesta y solución a los mismos, mediante indicadores financieros de los años 2017-2020. La metodología empleada es de carácter: cuantitativa, descriptiva, explicativa y longitudinal; por cuanto se utilizó estados de situación financiera de la Compañía “Seguros Alianza” para sugerir aspectos a perfeccionar, de esta manera sentar un precedente para las diferentes compañías de Seguros; los resultados manifestaron la importancia de una mejora continua en los procesos, renovando su percepción en la sociedad, debido a la capacidad de generar beneficios, reflejados mediante el indicador de liquidez el cual presento un resultado del 0,18 demostrando que sus activos líquidos cubrieron sus obligaciones a corto plazo, con respecto al indicador de solvencia se obtuvo 1,6 evidenciando la capacidad para satisfacer sus compromisos de pago, en cuanto al roe refleja un 92,25% para los períodos estudiados, lo que significa que puede cubrir sus pasivos y ser base fundamental para una correcta toma de decisiones por los directivos, como para su análisis de viabilidad de la inversión, por lo cual se propone un modelo estándar para el manejo y respuesta adecuada de los siniestros para las diferentes compañías de seguros.
Insurance companies currently rely on claims response models, a tool that verifies the real-time status of their policyholders' mishaps, forcing companies to improve processes, guidelines, and customer service. The objective of this article is to establish guidelines and strategies that help the current model of claims reception and provide a prompt response and solution to claims, through financial indicators for the years 2017-2020. The methodology used is of a quantitative, descriptive, explanatory and explanatory nature: quantitative, descriptive, explanatory and longitudinal; inasmuch as statements of financial situation of the Company "Seguros Alianza" were used to suggest aspects to be improved, thus setting a precedent for the different Insurance companies; the results showed the importance of a continuous improvement in the processes, renewing its perception in the society, due to the capacity to generate benefits, reflected by the liquidity indicator which presented a result of 0.18 showing that its liquid assets covered its short term obligations, with respect to the solvency indicator, 1.6 was obtained, showing the capacity to satisfy its payment commitments, As for the ROE, it reflects 92.25% for the periods studied, which means that it can cover its liabilities and be a fundamental basis for a correct decision making by the directors, as well as for their investment viability analysis, for which a standard model is proposed for the management and adequate response to claims for the different insurance companies
Insurance companies currently rely on claims response models, a tool that verifies the real-time status of their policyholders' mishaps, forcing companies to improve processes, guidelines, and customer service. The objective of this article is to establish guidelines and strategies that help the current model of claims reception and provide a prompt response and solution to claims, through financial indicators for the years 2017-2020. The methodology used is of a quantitative, descriptive, explanatory and explanatory nature: quantitative, descriptive, explanatory and longitudinal; inasmuch as statements of financial situation of the Company "Seguros Alianza" were used to suggest aspects to be improved, thus setting a precedent for the different Insurance companies; the results showed the importance of a continuous improvement in the processes, renewing its perception in the society, due to the capacity to generate benefits, reflected by the liquidity indicator which presented a result of 0.18 showing that its liquid assets covered its short term obligations, with respect to the solvency indicator, 1.6 was obtained, showing the capacity to satisfy its payment commitments, As for the ROE, it reflects 92.25% for the periods studied, which means that it can cover its liabilities and be a fundamental basis for a correct decision making by the directors, as well as for their investment viability analysis, for which a standard model is proposed for the management and adequate response to claims for the different insurance companies
Descripción
Palabras clave
Estado de situación financiera, Indicadores financieros, Modelo de respuesta a siniestros, Seguros
Citación
Chinchilima, Y., & Lanche, M. (2022). El Modelo de Respuesta a Siniestros y su Impacto en los Indicadores Financieros de las Compañías de Seguros en la Ciudad de Cuenca 2017 - 2020. https://dspace.ucacue.edu.ec/handle/ucacue/10721
