Smart Homes: Ventajas del IoT para las aseguradoras

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Businessman present house model and plan on touch screen

CLAVES:

  • Axa, Allianz y Europ Assistance son las tres primeras compañías que han sacado un seguro del hogar complementado con tecnología del Internet de las Cosas.
  • El IoT se presenta como la gran palanca de cambio del modelo de negocio de las aseguradoras.
  • El protoclo Thread se creó con el objetivo de conectar los diferentes dispositivos de la Smart Home. En particular, aquellos dispositivos embedidos o de pequeño tamaño que funcionarán con batería.

Hablar del futuro del hogar, es hablar de Smart Home. Sensores de todo tipo que ayudan a controlarla y vigilarla incluso cuando no se está en ella. ¿Hay algún límite? Todo depende del propietario, pero según los analistas de Gartner en el año 2022 una familia normal puede llegar a tener hasta 500 dispositivos diferentes.

Sensores de movimiento, de humo, de gas, cámaras de seguridad, sistemas de alarmas… La domótica ha llegado para quedarse.

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Fuente: Google Imágenes

La incorporación de estos equipamientos domóticos en los hogares se desarrollará a través de diversos canales. En el caso de los usuarios con mayores habilidades técnicas, ellos buscarán las opciones más ajustadas en precios del mercado para instalarse estas nuevas soluciones en sus viviendas. Al menos, así lo confirma Patxi Echeveste, fundador y CEO de Wattio, empresa especializada en servicios IoT.

Sin embargo, el resto de los consumidores se decantará por que la tecnología de Internet de las Cosas vaya incluida dentro de un servicio de una empresa de la que ya es cliente: empresas telefónicas, eléctricas y aseguradoras. Este último sector, las aseguradoras, son las que están impulsando en la actualidad movimientos cada vez más audaces. Se hace evidente que la Smart Home ofrecerá grandes oportunidades de negocio.

Axa en Francia, Allianz en Alemania y Europ Assistance en España son las tres primeras compañías que, en Europa, han sacado un seguro del hogar que se complementa con la tecnología del Internet de las Cosas para incrementar el valor añadido aportado al cliente y poder así bajar las primas.

Información relacionada:

El sector de los seguros de hogar lleva desde hace algunos años viendo cómo la competencia es cada vez más feroz y que se compite sobre todo en precio. Además, la falta de percepción del cliente del valor añadido que aporta un seguro, conlleva a las aseguradoras buscar nuevas estrategias para competir, que no pasen obligatoriamente por bajar el precio.

El estancamiento del sector del seguro se refleja en la reducción del número de productos contratados, así como en la fidelidad del cliente. Además, el ratio de bajas de clientes del seguro de hogar es muy alto. También el ratio combinado es elevado (los clientes de media tienen cinco seguros pero sólo dos con la misma compañía), etc.

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Fuente: MARSH. Situación del Mercado de Seguros 2016 en Europa, África y Oriente Medio.

Esta situación ha impulsado la revisión de las estrategias de negocio y producto de gran parte de las empresas aseguradoras para mejorar los resultados y aprovechar las oportunidades que el Internet de las Cosas presenta. Este sector, que está llamado a ser la siguiente revolución tecnológica de esta década, se presenta como la gran palanca de cambio del modelo de negocio de las aseguradoras.

Desde Wattio creen que cada vez se van a ver más seguros del hogar que incorporan esta tecnología. La razón es que la conexión entre el hogar conectado con el mundo del seguro del hogar tiene mucho futuro en cuanto a que es una estrategia ‘win-win’ para el asegurado y el asegurador.

[section label=”Ventajas que aporta la tecnología del IoT” anchor=”Ventajas que aporta la tecnología del IoT”]

Ventajas que aporta la tecnología del IoT

Entre los beneficios para el asegurado de incorporar las nuevas soluciones de Internet de las Cosas está:

  • Tener el hogar bajo control y que alguien más te asista: tranquilidad.
  • Disponer de un servicio de asistencia telefónica 24 horas durante los siete días del año.
  • Integrar un sistema de avisos técnicos y de alarma anti-intrusión en una misma aplicación de teléfono móvil: comodidad.

Otras ventajas son que la aseguradora puede insistir en avisar al asegurado que, por ejemplo, ha saltado una alerta por humo o avisar a los bomberos si el asegurado no se ha percatado; la aseguradora puede actuar con mayor celeridad ante, por ejemplo, un robo o un incendio minimizando daños en la vivienda; y las primas por el seguro serán más baratas, porque la aseguradora tiene conexión directa con las alertas del hogar

Las ventajas para la aseguradora al disponer de un producto de hogar conectado son:

  • Aumento de la vinculación con el cliente y consecuente reducción del ratio de bajas.
  • La misma vinculación aumenta el número de seguros contratados por el asegurado.
  • La tecnología permite que los seguros vayan acompañados de servicios de mayor valor añadido que diferencien una oferta de seguro de las de la competencia.
  • Actuación más rápida, lo cual hace que las consecuencias de un siniestro o un robo sean menores.

La reducción de la siniestralidad es un elemento clave. Por ejemplo, según se confirmó en la presentación de la solución de WeHome de Europ Asisstance, se espera que esta reducción sea de hasta un 20% con respecto a la actual vivienda tradicional.

Documento relacionado en Thinknowa:

[section label=”4 formas en que el IoT redefinirá la industria aseguradora” anchor=”4 formas en que el IoT redefinirá la industria aseguradora”]

4 formas en que el IoT redefinirá la industria aseguradora

Tal y como afirma “The Future of Retail Financial Services“, el sector asegurador ha “visto los márgenes triturados por una tormenta competitiva impulsada por los precios y la espiral de los costes de siniestros”. Se trata de una encuesta realizada a más de 500 ejecutivos pertenecientes a servicios financieros por Cognizant, Marketforce y Pegasystems. Sin embargo, el Internet de las Cosas (IoT) ofrece la oportunidad de reinventar la industria.

  • Revisión de precios

Los datos constantes que proporcionarán los dispositivos conectados significa que las aseguradoras podrán actualizar constantemente los precios, tanto hacia arriba como hacia abajo, debido a que el riesgo será mejor medido. El 77% de las aseguradoras de auto encuestadas esperan que los precios de las pólizas sean dinámicos en cinco años.

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Fuente: PEGASYSTEMS
  • Valor del feedback

Los datos preliminares sobre pólizas de seguros basados en el uso serán apreciados por los asegurados que recibirán dicha retroalimentación de las aseguradoras en base de su forma de conducir, lo que les retendrá como clientes. Las aseguradoras proporcionarán periódicamente información sobre los riesgos personales de cada cliente en 2020, de acuerdo con el 80% de los encuestados.

  • Reclamaciones

El Blockchain tiene el potencial de transformar el proceso de las reclamaciones: se basará en los datos de los dispositivos conectados para validar una reclamación. Por ejemplo, los daños que la lluvia puede provocar sobre los cultivos. En base a esa información se presentaría una reclamación automáticamente, la cual se resolvería con rapidez a través de un Smart contract basado en blockchain “, dice la encuesta. El 12% de los encuestados espera que este proceso de reclamaciones de seguros a partir de datos del IoT, blockchain y Smart contracts sea una práctica común en los próximos dos años. Ese número se eleva al 85% si hablamos de la próxima decada.

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Fuente: PEGASYSTEMS
  • Mitigación del riesgo

Otro 80% de los encuestados espera que el feedback también proporcioné información útil que pueda ayudar a reducir el riesgo de una póliza. “Las aseguradoras serán capaces de informar a los conductores de que, por ejemplo, su ruta favorita hacia el trabajo tiene hielo y recomendará alternativas más seguras“, postula la encuesta.

Sin embargo, si bien las predicciones acerca del número de dispositivos conectados en el futuro varían dependiendo de quién las haga, la conclusión es siempre la misma: la escalabilidad y estandarización para que estas predicciones ocurran es un requisito indispensable. Al menos en lo referente al hogar.

[section label=”Solución al problema de estandarización: Thread” anchor=”Solución al problema de estandarización: Thread”]

Solución al problema de estandarización: Thread

Como resultado a esta necesidad se creó Thread Group, formado por un total de siete compañías, de las cuales tres son de las más grandes del sector: ARM, Nest y Samsung, junto con BigAss, Freescale, Silicon Labs y Yale. Su objetivo era elaborar un nuevo estándar de conectividad inalámbrica pensado para el hogar conectado.

El consorcio ya ha presentado el protocolo Thread, cuyo objetivo principal es proveer de una manera sencilla, segura y escalable a la hora de hacer el hogar conectado una realidad. Thread está diseñado pensando en todos esos dispositivos conectados que habitarán el día de mañana nuestras casas, para en teoría ofrecernos una mejor experiencia y control de estas.

Algunos de estos dispositivos (como puede ser un frigorífico), tienen acceso constante a la energía eléctrica o incluso suficiente espacio pare tener una pantalla táctil para ser configurados, sin embargo ¿qué ocurrirá con todos aquellos dispositivos embedidos o de pequeño tamaño que funcionarán con batería y no tienen ningún tipo de interfaz?

El protocolo Thread trata de solucionar este problema de escalabilidad en lo que se refiere a direcciones IP, de ahí que funcione por defecto utilizando IPv6 y utilizando el estándar IEEE 802.15.4 a nivel físico y control de acceso al medio.

El motivo por el que utiliza el estándar IEEE 802.15.4 es que se espera que muchos de los dispositivos del hogar conectado utilicen pequeñas baterías y estén funcionando durante meses o incluso años sin ser remplazadas. De ahí que, si el día de mañana se espera que el hogar conectado sea una combinación de electrodomésticos y sensores inteligentes, estos últimos requieran de gran eficiencia en lo que respecta a al uso de batería.

En la especificación de Thread se ha puesto mucho empeño en tener un sencillo mecanismo a la hora permitir conectar nuevos dispositivos a la red, así como la interacción entre estos, dado que una de las bases del hogar conectado es que no solo las personas interactúen con estos dispositivos, sino que estos lo hagan entre de si de una manera autónoma y programada.

THREAD.Technology. [consultado 30-03-2016]. Disponible en: http://www.threadgroup.org/technology/technology
PEGASYSTEMS. The Future of Retail Financial Services. Enero 2016 [consultado 30-03-2016]. Disponible en: https://www.pega.com/sites/pega.com/files/docs/2016/Jan/the-future-of-retail-financial-services-study.pdf
ELECONOMISTA. Internet de las Cosas entra en el seguro del hogar. 22 de enero de 2016[consultado 30-03-2016]. Disponible en: http://www.eleconomista.es/pais_vasco/noticias/7296685/01/16/Internet-de-las-Cosas-entra-en-el-seguro-del-hogar.html
GARTNER. Gartner Says a Typical Family Home Could Contain More Than 500 Smart Devices by 2022. 8 de septiembre de 2014 [consultado 30-03-2016]. Disponible en: http://www.gartner.com/newsroom/id/2839717

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    way more than 5 minutes to reach this conclusion. – AsGoodAsItGets Jul 19 ’16 at 12:15

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