Climate change

68>
BOLIVIA
Tabla/Table 2: Siniestros Directos/Direct Losses - En Miles de USD/Figures in Thousands of USD
Modalidad Ramo 2010 2011 Var. /Variat. 2012 Var. /Variat. 2013 Var. /Variat. 2014 Var. /Variat.
Type Line (%) 2010-2011 (%) 2011-2012 (%) 2012-2013 (%) 2013-2014
Seguros Generales/Non-Life Insurance
Incendio/Fire 4.819 8.355 73,38% 13.525 61,88% 19.503 44,20% 13.841 -29,03%
Robo/Robbery 354 497 40,40% 451 -9,26% 393 -12,86% 292 -25,70%
Transportes/Cargo 3.213 2.955 -8,03% 4.964 67,99% 5.401 8,80% 6.119 13,29%
Naves o Embarcaciones/Hulls 2 0 -100,00% 8 - 30 275,00% - -
Automotores/Motor 20.020 22.146 10,62% 29.391 32,71% 35.368 20,34% 44.225 25,04%
Aeronavegación/Aviation 1.904 1.527 -19,80% 2.506 64,11% 1.090 -56,50% 2.353 115,87%
Ramos Técnicos/Technical Lines 3.257 2.718 -16,55% 14.045 416,74% 11.334 -19,30% 5.330 -52,97%
Responsabilidad Civil/Liability 1.994 2.111 5,87% 3.081 45,95% 2.984 -3,15% 2.471 -17,19%
Riesgos Varios Misceláneos/Various Risks Miscellaneous 4.232 6.286 48,53% 7.868 25,17% 5.227 -33,57% 4.034 -22,82%
Agropecuarios/Agricultural Insurance 1 8 700,00% 35 337,50% 16 -54,29% 14 -12,50%
Salud o Enfermedad/Health 12.215 12.923 5,80% 14.739 14,05% 16.769 13,77% 20.409 21,71%
Accidentes Personales/Personal Accidents 1.376 1.604 16,57% 1.813 13,03% 1.646 -9,21% 2.253 36,88%
Total Seguros Generales/Non-Life Insurance Total* 53.387 61.130 14,50% 92.426 51,20% 99.761 7,94% 101.341 1,58%
Seguros de Fianzas/Surety Insurance
Seriedade Propuesta/Bid Bonds 30 41 36,67% 314 665,85% 192 -38,85% 307 59,90%
Cumplimiento de Obra/Contract Bond 1.029 7.097 589,70% 4.585 -35,40% 2.984 -34,92% 11.081 271,35%
Buena Ejecución de Obra/Performance Bond 1 3 200,00% 3 0,00% - - - -
Cumplimiento de Servicios/Services Bond 65 139 113,85% 207 48,92% 128 -38,16% 213 66,41%
Cumplimiento de Suministros/Supplies Bond 205 104 -49,27% 223 114,42% 166 -25,56% 1.038 525,30%
Inversión de Anticipos/Advanced Payment Bond 2.091 2.660 27,21% 2.656 -0,15% 2.960 11,45% 22.002 643,31%
Fidelidad de Empleados/Fidelity Bond 504 490 -2,78% 320 -34,69% 347 8,44% 574 65,42%
Créditos/Credits 605 1.351 123,31% 721 -46,63% 71 -90,15% 11 -84,51%
Garantía de Cump. de Oblig. Aduaneras/Custom Bond 0 0 - 966 - 7.606 687,37% 397 -94,78%
Cump. Oblig. Legales y Contr. de Telecom./Legal Obligations Bonds 2 48 2300,00% 196 308,33% 10 -94,90% - -
Total Seguros de Fianzas/Total Surety* 4.532 11.933 163,31% 10.191 -14,60% 14.464 41,93% 35.623 146,29%
Seguros Obligatorios de Accidentes de Tránsito/Mandatory Traffic Accident Insurance
Accidentes de Tránsito/Traffic Accident 9.615 10.074 4,77% 10.222 1,47% 10.701 4,69% 11.968 11,84%
Total SOAT/Mandatory Traffic Accid. Insur. Total 9.615 10.074 4,77% 10.222 1,47% 10.701 4,69% 11.968 11,84%
Seguros de Personas/Personal Insurance
Vida Individual LP/Individual Life LP 1.232 1.377 11,77% 1.735 26,00% 1.550 -10,66% 1.739 12,19%
Vida Individual CP/Individual Life CP 208 128 -38,46% 173 35,16% 337 94,80% 590 75,07%
Rentas/Annuities Income 0 0 - - - - - - -
Defunción y/o Sepelio LP/Individual Funeral 1 0 -100,00% 26 - 3 -88,46% 4 33,33%
Defunción y/o Sepelio de CP/Funeral Group 22 27 22,73% 36 33,33% 23 -36,11% 77 234,78%
Vida en Grupo de CP /Life Group 1.075 1.457 35,53% 1.441 -1,10% 1.679 16,52% 2.069 23,23%
Salud o Enfermedad/Health 3.162 2.842 -10,12% 4.840 70,30% 6.127 26,59% 7.869 28,43%
Desgravamen Hipotecario LP/Individual Morgage 0 0 - - - - - -
Desgravamen Hipotecario CP/Group Morgage 7.636 10.454 36,90% 12.080 15,55% 17.500 44,87% 18.857 7,75%
Accidentes Personales/Personal Accident 853 1.492 74,91% 773 -48,19% 1.025 32,60% 1.416 38,15%
Total Seguros de Personas/Personal Insurance Total 14.189 17.777 25,29% 21.104 18,72% 28.244 33,83% 32.621 15,50%
Seguros Previsionales/Retirement Related Life
Riesgo Común/Common Risk - - - - - - - - -
Riesgo Profesional/Professional Risk - - - - - - - - -
Vitalicios/Annuities 1.987 2.160 8,71% 2.404 11,30% 2.474 2,91% 2.615 5,70%
Invalidez/Disability 8.978 8.523 -5,07% 9.050 6,18% 8.927 -1,36% 8.515 -4,62%
Muerte/Death 23.100 22.617 -2,09% 25.250 11,64% 25.757 2,01% 26.359 2,34%
Gastos Financieros/Overheads 4 4 0,00% 8 100,00% 27 237,50% 6 -77,78%
Sistema de Reparto/ Pension Systems - - - - - - - - -
Total Seguros Previsionales/Total Retirement Related Life* 34.069 33.304 -2,25% 36.712 10,23% 37.185 1,29% 37.495 0,83%
TOTAL General* 115.792 134.218 15,91% 170.655 27,15% 190.355 11,54% 219.048 15,07%
Fuente/Source: Boletines estadísticos del ente regulador/Supervisory Authority Statistical Newsletters.
Tabla/Table 3: Indice de Siniestralidad/Loss Ratio
Modalidad /Type Ramo/Line 2010 2011 2012 2013 2014
Seguros Generales/Non-Life Insurance
Incendio/Fire 13,14% 19,24% 27,71% 40,43% 28,15%
Robo/Robbery 44,25% 45,85% 39,60% 30,35% 19,97%
Transportes/Cargo 31,38% 23,47% 35,24% 34,03% 34,81%
Naves o Embarcaciones/Hulls 3,17% 0,00% 11,11% 37,97% 0,00%
Automotores/Motor 56,21% 52,65% 57,11% 55,56% 60,80%
Aeronavegación/Aviation 20,69% 15,77% 20,93% 6,77% 11,97%
Ramos Técnicos/Technical Lines 27,22% 23,01% 68,93% 50,24% 23,11%
Responsabilidad Civil/Liability 22,83% 21,83% 25,61% 21,53% 15,62%
Riesgos Varios Misceláneos/Various Risks Miscellaneous 41,15% 48,30% 52,88% 33,04% 19,02%
Agropecuarios/Agricultural Insurance 100,00% - 81,40% 40,00% 21,88%
Salud o Enfermedad/Health 69,38% 63,52% 68,57% 67,64% 74,39%
Accidentes Personales/Personal Accidents 32,35% 29,81% 36,78% 28,28% 34,42%
Total Seguros Generales/Non-Life Insurance Total * 36,71% 36,14% 45,91% 43,73% 39,74%
70
MERCADO ASEGURADOR