Os impactos das fraudes no mercado segurador

• Autor(a) principal: Hanzava, Fernanda Harumi
• Data de Publicação: 2022
• Tipo de documento: Trabalho de conclusão de curso
• Idioma: por
• Título da fonte: Biblioteca Digital de Teses e Dissertações da PUC_SP
• Texto Completo: https://repositorio.pucsp.br/jspui/handle/handle/32702
• topic: CNPQ::OUTROS::CIENCIAS ATUARIAIS; Fraudes; Mercado de seguros; Prejuízos; Consequências; Frauds; Insurance market; Prejudice; Consequences

According to the 10th report on the analysis and monitoring of supervised markets, published by SUSEP in May 2022, in the previous year, revenues from the markets supervised by SUSEP reached BRL 306 billion, which corresponds to na increase of 11,7% compared to the year of 2020. Total tecnical provisions reached BRL 1.27 trillion in December 2021, which has made a major contribution to building national savings and economic development in Brazil. It can be said then that insurance industry is an economic activity thas has contributed to the contry´s savings and risk management, being therefore important both from a financial and social point of view. Considering the data exposed, it´s clear that the market is heated and it´s important to grow solidly to increase your efficiency, but there are factors that generate a significant expense for insurers and must be treated with greater importance, as in the case of the fraud. In this scenario, the policyholders may act in bad faith to seek their own benefits or those of third parties, and the insurer, consequently, proving the existence of fraud, may refuse to pay for the claim, terminating the contract with the insured precisely because it occurred na unlawful act by him. Taking into account this information, this work aims to analyze the increase in the practice of fraude in the insurance market in recent years though data from the National Confederation of Insurance Companies (Cnseg), identify the demages caused by it and the consequences for people who attempt or practice such na act