In a challenging year for all sectors, La Positiva maintains that they have achieved their objectives. Alberto Vásquez, CEO of the insurance company, tells El Comercio – during CADE Executives 2023 in Cusco – that despite the situation, an effort was made to offer more insurance products, so this year they are closing with a volume of business of S/2,700 million.

“Success is not only due to the volume of income but also because of the policyholders that we have been able to incorporate into the company,” he assures. For next year, he points out that La Positiva’s objective will be to reach a business volume of S / 2,940 million, being a solid company and strengthening its presence in the provinces.

/ CAROLINA URRA

Within its entire product portfolio, Vásquez comments that La Positiva has shown greater dynamism in the health sector. A branch in which they are still below the size they would like to have, which is why they have put a lot of effort into developing it.. The executive explains that in the last 3 years the volume of the EPS’s activity has more than doubled, making La Positiva has grown 30% annually. And now it aims to double its health activity in the next 5 to 6 years, with that double-digit growth each year.

In this segment, he assures, they are focused on prevention and future care. “La Positiva seeks to extend insurance coverage in the country, the more insured we have, the greater the sign of success,” he points out.

New products and innovation

To achieve these goals, of course, they will invest in technology, marketing channels and product innovation. With a greater emphasis on the health sector, Vásquez comments that they are developing new products for prevention and timely care, for example, with the development of a telemedicine platform. “This will be innovative and will bring our policyholders closer together. Starting in January we hope it will be available. We have been working with our partners, hand in hand with our partners Fidelidade and Grupo Consorcio Financiero, leaders in health,” he says.

Alberto Vásquez, CEO of La Positiva Seguros y Reaseguros.

Alberto Vásquez, CEO of La Positiva Seguros y Reaseguros.

Although initially this platform is aimed at its policyholders, they will evaluate whether they could extend it.

Definitely, since Fidelidade’s purchase of La Positiva in 2019, the company has seen a boost. The executive says that they have already completed the first stage of technological development, where they are developing an important change in the organization. And now, in the safe stage, they aim to be leaders in customer experience. This second moment, which will end around 2026 or 2027, there will be qualitative growth in the company, both at the level of intermediaries, such as brokers, and their policyholders.

Insurance for agriculture against climate attacks

Through the Ministry of Agrarian Development and Irrigation (Midagri) they promoted agricultural insurance, which has two types. In the case of catastrophic agricultural insurance, The program in its entirety so far secures 6.8 hectares in the country of more than 621 thousand farmers. And so far it has paid S/156 million in compensation for weather events.

The other is agricultural yield insurance, intended to insure crops in different regions and which performs well. In the 2022/2023 campaign they have secured 16 regions and for the 2023/2024 campaign they are also covering the same number of regions.

“This yield insurance is subsidized to help farming families and is being channeled through microfinance institutions. There we have a majority participation by far,” says Vásquez.

Although these insurance policies focus on agricultural development and could also be extended to other related activities, as indicated by Vásquez, La Positiva works on other products more focused on sectors dedicated to the exploitation and development of livestock activities. For example, for coverage in the southern areas of the country due to the frosts that occur almost every year. This insurance will focus more on any circumstance that impacts the development of alpacas or pastures in areas with cold weather. Although it does not yet specify when it will be launched, it indicates that it will be available soon.

Before its launch, some actions will be carried out with some communities and prospecting for when it is launched.

On the other hand, given the low willingness of Peruvians to take insurance, which was also reflected in a survey published by this newspaper: the pollster Datum reported that 41% of Peruvians affirm that they do not take any insurance, Vásquez comments that before This requires promoting a culture of prevention and knowledge of the benefits that can be accessed by having insurance, as well as coverage.

“These numbers were even worse before. It strikes me that we do not have home insurance in a seismic country like ours, where it should be part of the basic expenses,” she says.



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