Diagnóstico de la cultura de los seguros en el área urbana de la ciudad de Cuenca, año 2019

Abstract

The purpose of this article is to diagnose the level of insurance culture in the urban area of the Cuenca canton, it was aimed at studying people with an age greater than or equal to 30 years, as it is considered as the target population of the insurance market. The tool applied was the Insurance Culture Index Determination Survey (ICA), which allowed the collection and analysis of information related to determining factors regarding insurance, such as knowledge, use, education and forecast, in addition to other economic variables and demographic that also allows to know perceptions and opinions of the population about the insurance market. It was also possible to have an approximate idea of how aware and foresight of risks the Cuenca population is, since it should be noted that knowledge about insurance is part of a larger tool, such as financial education. In the present study, the ICA Insurance Culture Index, developed by the Mapfre Foundation (2015), was processed to calculate it, which is made up of four dimensions such as USE, KNOWLEDGE, EDUCATION and FORECAST, which have three base indicators each a. Once the Insurance Culture Index was obtained, he obtained the result of the population of the urban area of Cuenca, he has a medium low level of insurance culture, due to his score of 33.07 on a maximum of 100 points. Weaknesses were also identified in the dimensions of Education and Welfare, which indicates a low insurance culture, in terms of interest in acquiring knowledge about insurance since there is a considerable percentage of the analyzed population (53%) that indicates knowing little or nothing about insurance and weak actions taken by the population to determine the stability and well-being of their family and assets in the future. The population is aware of its low knowledge about insurance, so there is a need to strengthen education in financial matters, in this case for the growth of the insurance culture that brings benefits for both the insured, the insurance market and as a whole to the country's economy.