Sergio Carol Llopart

🚀 How diversity and #innovation are linked: According to a survey, diverse companies are more innovative. Here is how a #company can start producing fresher, more creative ideas by treating #diversity as a competitive advantage. ➡️ Watch the talk now: https://ow.ly/PJma30sFRLj

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𝗡𝗮𝘁𝗮𝗹𝗶𝗮 𝗟𝗼𝗽𝗲𝘇 𝗨𝗿𝗶𝘀, 𝗔𝗿𝗴𝗲𝗻𝘁𝗶𝗻𝗮, 𝗼𝗻 𝘁𝗵𝗲 𝗶𝗶𝗶-𝗹𝗮𝗯 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲   What are some of the results of the A2ii Inclusive Insurance Innovation Lab (iii-lab)? Watch alumni Natalia Lopez Uris - CEC, Argentina, speak about her experience from the second Inclusive Innovation Lab (2020-21).   During the lab process, they worked on the key question “𝘏𝘰𝘸 𝘤𝘢𝘯 𝘸𝘦 𝘥𝘦𝘷𝘦𝘭𝘰𝘱 𝘰𝘶𝘳 𝘪𝘯𝘴𝘶𝘳𝘢𝘯𝘤𝘦 𝘮𝘢𝘳𝘬𝘦𝘵𝘴?” Argentina launched a social media campaign #mejorconseguros (better with insurance) to raise awareness about the importance of insurance for low-income women. A follow-up combo product, "Superadores", recently won an award from Fundación Iberoamericana Alianza del Seguro. #Superadores are insurance products developed specifically for female entrepreneurs to make them more resilient against financial shocks.   Learn more about the second lab here and the other participating countries #India, #Morocco and #Rwanda here: https://lnkd.in/eQTinh2y   Later this month, our parallel session 5 at the #ICII2024 in Nepal on October 23 will cover the #iiilab. The title of the session is “Creating innovation ecosystems through multi-stakeholder practices – examples and outcomes from four A2ii inclusive insurance innovation labs.”   Participants will hear from iii-lab alumni about developed prototypes and the long-term impact of the iii-lab in their countries. They will engage in dialogue about the ecosystem needed to enable innovative thinking and a paradigm shift in stakeholders' collaboration.   📣Session facilitator: Teresa Pelanda, A2ii   Speakers: ◾️Barbara Chesire, Managing Director AB Entheos Ltd., Kenya ◾️Pujan Dhungel Adhikari, Director, Nepal Insurance Authority (NIA), Nepal ◾️Suman Ghimire, CEO/Co-Founder, PlantSat by Seed Innovations, Nepal ◾️Joscha Sisnowski, A2ii About the ICII session: https://lnkd.in/d_JQ8T6v About the iii-lab: https://lnkd.in/e5v6iEq The International Conference on Inclusive Insurance 2024 is hosted by the Nepal Insurance Association, Life Insurance Association Nepal, Nepal Microinsurance Association and the NEPAL INSURANCE AUTHORITY (Insurance Regulatory) in cooperation with Munich Re Foundation and The Microinsurance Network. #genderequality #SDG5 #inclusiveinsurance #data #microinsurance #insurancesupervision #iiilab #insuranceforwomen IAIS - International Association of Insurance Supervisors Reos Partners #SSNArgentina Superintendencia de Seguros de la Nación   Dirk Reinhard Matthias Range MONICA ODHIAMBO Laura Moxter Morales Milena Kozomara Asmaa Jabri Renata DE LEERS Martina Wiedmaier-Pfister Tinotenda Muradzikwa Kitti Fodor Rene Hingst

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Hey hey 👋 Here’s some positive news before everyone switches to weekend mode 🌴. We have just launched our loyalty program 🚀 From Loyal to Royal 👑 Without any complications👌 🎯 Earn points 🎁 Choose your gift And if you want to make the world a better place, you have the option to make a donation! ⚡⚡⚡ Check our app for more details📲 and start your journey 👑 #balcia #balciainsurance #balcialoyalty #loyaltyprogramm #loyaltoroyal

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Digital twins leverage data, AI, and advanced modelling to offer personalised insurance policies based on individual behaviours. This technology enhances risk management, precise risk assessment, and optimised claims handling in real-time scenarios, simulating complex risk scenarios like natural disasters to aid insurers in proactive risk mitigation and tailored product development. With AI becoming more advanced and accessible for different use cases, digital twins could be a significant game changer for our industry and how we improve customer experiences. #AI #digitaltwins #insurance

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🌐 MAPFRE: Redefining the construction and consumption of insurance solutions At MAPFRE, we’re leading a transformation in how we build, implement and deliver insurance solutions. Our technical approach focuses on our arquitecture and platform engineering that efficiently manages products and services, complemented by specialized microservices that adapt seamlessly to both our clients' needs and our internal processes.🚀 Our 🛒dynamic Marketplace offers functional capabilities tailored to specific market strategies, facilitating an operating model that cuts costs 💸, boosts efficiency and accelerates digitalization. This is all underpinned by a change in how we produce software, embedding AI capabilities throughout the development cycle, which dovetails perfectly with MAPFRE’s tech team’s agile approach to working 💪. We’re committed to a future where advanced technology delivers a premium customer and partner experience, driving business growth and operational excellence. Do you want to play a starring role in our transformation? Check out our IT job opportunities at https://lnkd.in/dvx9FaMa #MAPFRE #Technology #InsurancePlatform #MAPFREwhereYourTimeIsMeaningful

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OPEN NOW: Participate in our survey to share your insights on implementing flexibility into your global mobility program policies. Discover how your approaches compare to your peers. #HumanResources #Talent #Mobility #FutureofWork

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⏰The countdown has started! Are you joining us at the #fermaforum in Madrid? Find out more about our participation and don't miss out on the opportunity to meet our team! You are welcome to book a meeting with us anytime: https://ow.ly/MURU30sGzFy #AdvancingCorporateInsuranceTogether #fermaforum #riskmanagement

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⏰The countdown has started! Are you joining us at the #fermaforum in Madrid? Find out more about our participation and don't miss out on the opportunity to meet our team! You are welcome to book a meeting with us anytime: https://ow.ly/ll5030sGzFC #AdvancingCorporateInsuranceTogether #fermaforum #riskmanagement

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Conversational Generative AI solutions, capable of producing human-like speech, are helping insurance companies to automate processes, integrate diverse datasets, and analyse customer behaviour. Generali is committed to leading innovation in the industry and has already launched a new chatbot! "Chatty" is a chatbot based on generative AI and process automation developed by Generali Switzerland and the start-up Enterprise Bot and HITS - House of Insurtech Switzerland, a subsidiary of Generali, to improve and simplify the customer experience. AI tools empower individuals to “work smarter” by enhancing their current skills and capabilities through the assistance of highly advanced artificial intelligence. This technology also helps companies to innovate and develop new services for their customers, while others are adopting it to streamline and optimize their internal operations. Our Group nurtures innovation globally and investing in digital technology is a crucial part of our #LifetimePartner24 strategic plan. As a customer-focused and data-driven innovator, we enhance customer value through our advisory model expanding our digital capabilities and implementing a seamless approach across all distribution channels. Discover more: https://lnkd.in/g2WYJtqR

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Spanish Floods Show How State-Backed #Reinsurance Can Help Insurers Face Climate Risk. The recent floods in Spain, notably in the Valencia & Malaga regions, have underscored the critical role of the Consorcio de Compensación de Seguros (CCS) in the Spanish #insurance market’s resilience to climate risk, Fitch Ratings says. The CCS, a state-managed organisation, acts as a catastrophe insurer, compensating for losses from various natural perils and socio-political risks in Spain. This government-backed scheme is financed through mandatory surcharges on insurance policies, which insurers collect and remit to the CCS. The effectiveness of the CCS in mitigating the financial impact of natural disasters on Spanish insurers is evident from historical data. The CCS paid out the equivalent of EUR10.6 billion in compensation for extraordinary risks in 1987-2022, with floods accounting for about 70%. The average combined ratio for multi-risk property insurance in #Spain from 2014 to 2023 was a robust 94%, highlighting the stability provided by the CCS despite frequent weather-related losses. The sector combined ratio should not be significantly affected by the recent floods, but insurers will have to pay for the hail damage that happened around the same time in the Valencia region, as that is not covered by the CCS. In contrast, Germany lacks a state support scheme for natural catastrophes. Despite discussions following significant events like the 2021 Ahrtal floods, which caused an estimated EUR11 billion in insured damage, there is still no prospect of a such a scheme. #France has the Cat Nat scheme, which ensures comprehensive coverage for natural disasters. The French state, through CCR - Caisse Centrale de Réassurance, provides unlimited reinsurance guarantees. The system mandates that insurers provide coverage and allows them to reinsure part of their risk with CCR, which can cover up to 100% of losses beyond a certain threshold. #Italy is set to introduce mandatory insurance coverage for small and medium-sized enterprises (SMEs) against natural perils, such as earthquakes, floods and landslides, in 2025. SACE, a publicly controlled entity, will play a crucial role in reinsurance, covering up to 50% of indemnities. The measure should help to stabilise the market and increase the scope and availability of insurance for Italian businesses, although the transition is likely to be gradual as SMEs adapt to the requirements. The different approaches across Europe to managing natural catastrophe risks through insurance reflect varying levels of state intervention and market mechanisms. We view government-backed insurance schemes like the CCS and the Cat Nat as credit positive for insurers, enhancing their financial resilience and stability. Ekaterina Ishchenko, FRM https://lnkd.in/eSAzhjFG

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The essence of an insurance company’s existence is demonstrated during critical moments when it is called to support its policyholders, delivering what they need promptly and efficiently. At INTERAMERICAN and Anytime Online, we take pride in our ability to respond swiftly, effectively, and with precision to the needs of our clients during the challenges posed by storm Daniel, leveraging all available resources across our operational structures. A year later, with the climate crisis continuing to present significant challenges, it is essential to recognize that fostering a strong sense of insurance consciousness can serve as a vital safeguard against extreme adversities, while also laying a robust foundation for the restoration of hope. #rebuildinghope #climatecrisis #insurance

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When we talk about resilience, we often imply in the face of external challenges. I wonder though whether true resilience is overcoming our internal challenges, the self-doubt and paralysis that undermine our ability to act. I recently took part in the 2024 Tor des Géants, a 330km ultramarathon in the Italian Alps. With more than double the distance and elevation of UTMB, perhaps the best-known mountain ultramarathon, the Tor is seen by experienced ultra runners as perhaps the most challenging mountain race in the world. My own preparations were thrown off by injuries to both knees less than six weeks before, and I was unsure of even making it to the starting line. Once the race was underway, while my knees surprisingly stood up well, I injured by ankle just after halfway, making the last 40 hours of the race a grim battle, made worse by snowstorms on the final night. Interestingly, the greatest challenge I found wasn’t that of physical, or even mental resilience, tough though those were. It was organisational resilience – the ability to think clearly amid complexity and continue to make good and timely decisions despite extreme levels of fatigue. As physical tiredness and lack of sleep took its toll, even simple things such as deciding whether or not to shower, change and sleep at one of the six “Life Bases” became complex decisions that an increasingly overwhelmed brain struggled to deal with. Compared to other races I’ve been in, the rate at which fatigue accumulated was much faster – fatigue isn’t just a function of time but also a function of the amount of mental effort you’re expending, and endless long descents of rocky, technical terrain take a mental toll as much as a physical one. Those athletes who had a support team on the other hand were able to outsource much of their decision-making, particularly in the Life Bases, saving precious mental energy for the route itself. When I came home after finishing the race, any pride I felt was almost immediately overtaken by an even greater pride on hearing from my son that after 5 years and numerous challenges to his resilience he had graduated from university. At times it seemed like he was crippled with self-doubt, but he somehow found the courage and strength of character to keep going and get it done. As is often the way, good news comes like London buses and within days of learning he was graduating, he received an offer to go to Dubai as a strength and conditioning coach (his passion), potentially leading to a full-time job if things go well. I could not be more proud of and happy for him. What do I draw from all of this? Not just that resilience is about mental fortitude and keeping the flame of hope burning, but also that luck and resilience are inextricably linked. It’s not true that you make your own luck. But it is true that by being resilient, by surviving long enough, you’re around to take advantage when luck comes along. https://lnkd.in/eHAvK9JG

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Our Cyber Quantified modeling tool allows you to access advanced analytics to achieve a deeper understanding of the cyber risk management strategies most relevant to your organization https://ow.ly/kUbx30sH2zG #RiskAnalytics #CyberRisks #ASmarterWayToRisk #WTWPerspective

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Tan pronto como termine InsureTech Connect Las Vegas 🇺🇸 nos dirigimos a Madrid 🇪🇸 para apoyar FERMA | Federation of European Risk Management Associations Forum, the leading European event for the risk management community in Europe ‼️ Ferma unites 5,600 risk managers across 22 European countries in their forum taking place every two years. But what captures risk managers interest❓The principles of risk management are identifying, measuring and preparing for any events that could interfere with an organization’s plans. Therefore, access to #knowledge  and #data is what first came to mind. Slipcase, recently highlighted in the FinTech Global InsurtTech100 list as “the premier #information distribution and #analytics platform in the global re/insurance industry": "In a world where information is paramount and constantly evolving, Slipcase addresses the challenge of accessing accurate, hyper-relevant, and up-to-date data. Utilizing its Contextual Intelligence IP, which merges #technology with #human curation, Slipcase delivers timely and pertinent information from the most reputable sources across the web directly to professionals and businesses." "With a user base exceeding 214,000 and over 100 industry partners, Slipcase has established itself as the digital nexus for publishers, brands, and the global re/insurance community.” If you are a #risk #manager and data ✚ knowledge is key to you, I would encourage you to sign up to our platform to find out more about what we do ➡️ slipcase.com 🤝 See you next week at FERMA Forum❕

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How does 25years of active management in systematic global equities with a consistent performance look like ? A glance at the experience of our teams in the field ... #activemanagementglobalequities #systematicequities #performingactivestrategies Allianz Global Investors

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Insurance execs, you need to see this. "There are 4 moments of truth every insurer needs to follow", says Alberto Pérez Domínguez, co-founder and COO of Democrance. In this video, you'll see the first one. Watch all of our content - link in the comments. #stopsellinginsurance #helpcustomersbuy #democrance

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🔍 This week, Allianz Research analyzes the economic consequences of three electoral moments in the #UK, #Mexico and #SouthAfrica. 👉 Read the full report here: https://ow.ly/jzVJ50S7N82

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Have you ever chatted with your family doctor, easily and conveniently via your mobile phone? For customers of DKV Seguros, this is now part of everyday life in the event of illness or for health concerns. Grupo DKV is responding to the increasing demand for private insurance coverage in Spain by offering a unique digital health solution – Personal Doctor. Personal Doctor is a digital health insurance that allows policyholders to choose a family doctor who knows the patient, refers them to specialists and diagnostic tests as needed, and offers prevention plans. Policyholders also have a health assistant at their side who, for example, obtains authorisations and manages doctor's appointments. 🩺 This form of digital health insurance is based on an app that can be used to organise everything needed for comprehensive healthcare. For example, patients can contact their family doctor via chat or video call, view upcoming appointments and find everything related to their health and policies in one place. 📱 Thanks to Pilar Abós, Jose-Ramon Lamenca, Dr. Jhoan Silva Jaimes MD ERGO intends to be a digital leader in the insurance industry by 2025 – both in Germany and in its core international markets. To this end, the Company is already working intensively on developing and implementing various new technologies. #DKVSeguros #ERGO #teamERGO #digitalleading

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