{"id":543975,"date":"2025-04-22T08:00:00","date_gmt":"2025-04-22T06:00:00","guid":{"rendered":"https:\/\/www.capgemini.com\/?post_type=research-and-insight&#038;p=867069"},"modified":"2025-04-22T14:14:52","modified_gmt":"2025-04-22T12:14:52","slug":"informe-mundial-seguros-no-vida-2025","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/es-es\/investigacion\/biblioteca-de-investigacion\/informe-mundial-seguros-no-vida-2025\/","title":{"rendered":"Informe Mundial de Seguros No-Vida 2025"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:79% 57.99999999999999%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Digital transformation<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2020\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Informe Mundial de Seguros No-Vida 2025<\/h1><\/div><div class=\"inner-row-insight download-btn\"><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-el-cambio-demografico-exige-una-transformacion-estrategica-de-los-seguros\">El cambio demogr\u00e1fico exige una transformaci\u00f3n estrat\u00e9gica de los seguros<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-\"><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>Se est\u00e1 produciendo una transformaci\u00f3n demogr\u00e1fica nivel mundial, con la poblaci\u00f3n mundial en camino a superar los 9.660 millones para 2050. Por primera vez en la historia, las personas mayores superar\u00e1n en n\u00famero a los j\u00f3venes en 2050. Excluyendo a \u00c1frica, un continente relativamente joven, la poblaci\u00f3n mundial mayor de 60 a\u00f1os crecer\u00e1 un 72%, mientras que la poblaci\u00f3n menor de 20 a\u00f1os disminuir\u00e1 un 16%. Esta transici\u00f3n exigir\u00e1 nuevos modelos de negocio: el sector de seguros generales tendr\u00e1 que cambiar en cuanto a riesgo, protecci\u00f3n y prestaci\u00f3n de servicios.<sup>1<\/sup><\/p>\n\n\n\n<p>El Informe Mundial de Seguros No-Vida 2025 refleja las opiniones de 5.016 clientes de seguros generales y de accidentes en 13 pa\u00edses, as\u00ed como las entrevistas con 274 ejecutivos l\u00edderes de compa\u00f1\u00edas en 15 mercados. Ambas investigaciones recopilaron informaci\u00f3n de Am\u00e9rica, Europa y Asia-Pac\u00edfico. Adem\u00e1s, el informe incluye perspectivas de pron\u00f3sticos macroecon\u00f3micos elaborados por un destacado analista macroecon\u00f3mico mundial.<\/p>\n\n\n\n<p>Las conclusiones de este estudio son: <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Las aseguradoras de seguros generales se enfrentan a un mundo transformado por el r\u00e1pido envejecimiento de la poblaci\u00f3n, que est\u00e1 transformando el panorama de riesgos y los modelos de negocio del sector, desafiando las estrategias de mercado, los modelos de rentabilidad y la oferta de productos establecidos.<\/li>\n\n\n\n<li>Los cambios demogr\u00e1ficos difuminan los l\u00edmites entre los riesgos personales y comerciales, creando nuevos desaf\u00edos y oportunidades de cobertura.<\/li>\n\n\n\n<li>Obtener una ventaja competitiva en este panorama cambiante requiere equilibrar la rentabilidad a corto plazo con la preparaci\u00f3n a largo plazo en tres dimensiones fundamentales: posicionamiento estrat\u00e9gico, ejecuci\u00f3n del modelo operativo y gobernanza del riesgo.<\/li>\n<\/ul>\n\n\n\n<p>Para afrontar con \u00e9xito los retos del sector asegurador en este panorama, se requerir\u00e1 una evoluci\u00f3n continua, no una transformaci\u00f3n puntual. Las aseguradoras generales deben adoptar un enfoque multihorizonte que equilibre las acciones y el rendimiento inmediatos con una visi\u00f3n y un posicionamiento a largo plazo. Para prosperar, las aseguradoras deben adaptar sus estrategias, optimizar sus modelos operativos, fortalecer sus capacidades de gesti\u00f3n de riesgos e invertir el capital estrat\u00e9gicamente.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_2025_Weblock-Version_2MB.pdf\">Descargar informe<\/a><\/div>\n<\/div>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined call-to-action-block is-style-cg-secondary-3\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper no-description\"><div class=\"text-wrapper no-description\"><h3 class=\"title\" data-maxlength=\"144\">Claves del Informe Mundial de Seguros No-Vida 2025<\/h3> <\/div><div class=\"button-wrapper no-description\"><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active opened\"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"true\" aria-expanded=\"true\"><h3 class=\"expander-heading-title\">Conclusi\u00f3n 1<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">La evoluci\u00f3n demogr\u00e1fica para 2050<\/p><\/div><div class=\"expander-content\"><p>Las previsiones macroecon\u00f3micas revelan que el aumento de la tasa de dependencia (26 % para 2050, frente al 16 % actual) y la creciente urbanizaci\u00f3n (casi el 70 % para 2050, frente al 58 % actual) est\u00e1n impulsando una concentraci\u00f3n de riesgos. Estos cambios est\u00e1n transformando el panorama de riesgos para las aseguradoras de da\u00f1os, impactando la utilizaci\u00f3n de propiedades, los patrones de movilidad, la exposici\u00f3n a responsabilidades y la frecuencia de siniestros de maneras que desaf\u00edan los modelos actuariales tradicionales.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpcir25-fig1\"><\/embedded>\r\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Conclusi\u00f3n 2<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Proyecciones globales de primas de seguros generales para 2050<\/p><\/div><div class=\"expander-content\"><p>La evoluci\u00f3n de los paradigmas de riesgo est\u00e1 transformando el crecimiento de las primas hasta 2050. A medida que la poblaci\u00f3n envejece a diferentes ritmos, las oportunidades del mercado cambian. Se proyecta que los ramos comerciales crecer\u00e1n un 4,4 % anual, superando al de los ramos personales, que se sit\u00faa en un 3,3 %. Estos cambios influir\u00e1n de forma crucial en ramos clave de seguros generales, como el de autom\u00f3viles, da\u00f1os y responsabilidad civil.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpcir25-fig2\"><\/embedded>\r\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Conclusi\u00f3n 3<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Priorizar estrategias con plazos concretos para afrontar los cambios demogr\u00e1ficos globales<\/p><\/div><div class=\"expander-content\"><p>La hoja de ruta para afrontar la transformaci\u00f3n demogr\u00e1fica requiere prioridades claras en tres horizontes temporales y cuatro pilares fundamentales: estrategia y operaciones, gesti\u00f3n de riesgos, productos personales y responsabilidad civil comercial. Al centrarse hoy en acciones que no generen arrepentimiento, las aseguradoras pueden prepararse mejor para el largo plazo, pasando de las tradicionales iniciativas de transformaci\u00f3n puntuales a una evoluci\u00f3n continua y adaptativa.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpcir25-fig3\"><\/embedded>\r\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Conclusi\u00f3n 4<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">La madurez de la capacidad de las aseguradoras en toda la cadena de valor sigue siendo limitada<\/p><\/div><div class=\"expander-content\"><p>Seg\u00fan nuestra encuesta a Ejecutivos Globales de Seguros, si bien las aseguradoras de seguros generales reconocen la importancia de tecnolog\u00edas cruciales como la suscripci\u00f3n avanzada, la IA generativa y el an\u00e1lisis de datos en tiempo real, pocas han desarrollado capacidades maduras. Invertir en estas tecnolog\u00edas para reevaluar la estrategia, optimizar los modelos operativos y fortalecer la gesti\u00f3n de riesgos impulsar\u00e1 mejoras inmediatas y capacitar\u00e1 a las aseguradoras para abordar las cuestiones fundamentales que determinar\u00e1n el \u00e9xito al abordar los cambios demogr\u00e1ficos a largo plazo.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpcir25-fig4\"><\/embedded>\r\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">M\u00e1s informaci\u00f3n<\/h2><\/div><p><\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Ver las ediciones del Informe mundial de seguros no-vida de a\u00f1os anteriores <\/h3><\/div><div class=\"expander-content\"><p><a href=\"\/insights\/research-library\/world-property-and-casualty-insurance-report-2023\/\" target=\"_blank\" rel=\"noreferrer noopener\">World Property &amp; Casualty Insurance Report 2023<\/a><br><a href=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2023\/08\/WPCIR-2022_web.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">World Property &amp; Casualty Insurance Report 2022<\/a><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">ENDNOTES<\/h3><\/div><div class=\"expander-content\"><p><sup>1 <\/sup>Oxford Economics ÎÚÑ»´«Ã½ Research Institute for Financial Services analysis, 2025<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">DISCLAIMERS\/ACKNOWLEDGMENTS<\/h3><\/div><div class=\"expander-content\"><p>The information in this report is general and not intended as legal, tax, investment, financial, or professional advice. ÎÚÑ»´«Ã½ assumes no liability for errors or omissions or the use of this material. This report is for informational purposes only and may not address your specific needs. ÎÚÑ»´«Ã½ disclaims responsibility for translation inaccuracies and provides the information &#8220;as-is,&#8221; without warranties. ÎÚÑ»´«Ã½ will not be liable for any losses arising from reliance on this information.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\"><br>Conoce nuestros servicios<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2021\/08\/ÎÚÑ»´«Ã½_Industries-Insurance-e1649147468324.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Seguros\" href=\"\/industries\/insurance\/\" target=\"\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><h3 class=\"card-subtitle\">Seguros<a href=\"https:\/\/www.capgemini.com\/<\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2024\/01\/PC-Insurance-Industry-Web-Banner-2880x1800-1.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2024\/01\/PC-Insurance-Industry-Web-Banner-2880x1800-1.jpg?w=500&amp;quality=70 1x, https:\/\/prod.ucwe.capgemini.com\/wp-content\/uploads\/2024\/01\/PC-Insurance-Industry-Web-Banner-2880x1800-1.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Seguros no-vida\" href=\"https:\/\/www.capgemini.com\/industries\/insurance\/property-and-casualty-insurance\/\" target=\"\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><h3 class=\"card-subtitle\">Seguros no-vida<\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Smart Underwriting\" href=\"\/solutions\/smart-underwriting\/\" target=\"\" rel=\"noopener noreferrer\" title=\"abrir en una nueva ventana\"><h3 class=\"card-subtitle\">Smart 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srcset=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2025\/06\/WWR_Webpage_2880x1800.jpg?w=500&#038;quality=70 1x, https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2025\/06\/WWR_Webpage_2880x1800.jpg?w=1000&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/uploads\/sites\/16\/2025\/06\/WWR_Webpage_2880x1800.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div>\n                            <div class=\"col-12 col-md-5 col-lg-7\"><\/div>\n                        <div class=\"col-12 col-md-7 col-lg-5\">\n                            <a href=\"https:\/\/www.capgemini.com\/es-es\/investigacion\/biblioteca-de-investigacion\/world-wealth-report-2025\/\" aria-label=\"World Wealth Report 2025\" class=\"card-link-holder\">\n                            <div class=\"insight-card insight-card-start\">\n                                <div class=\"card-tag\">ÎÚÑ»´«Ã½ Research Institute<\/div>\n                                <h3 class=\"card-title\">World Wealth Report 2025<\/h3>\n                                <div class=\"insight-card-footer\">\n                                    <img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/es-es\/wp-content\/themes\/capgemini2020\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                     <\/div>\n                    <\/div><\/div><\/section>\n\n\n<section 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loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Dean-Brown-1.png\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Dean Brown<\/h3><p class=\"box-position\">Group Chief Operations Officer<\/p><p class=\"box-company\">Everest Group<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Enrico-San-Pietro-2.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Enrico San Pietro<\/h3><p class=\"box-position\">Insurance General Manager<\/p><p class=\"box-company\">Unipol<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Matthew-Jones-2.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Matthew Jones<\/h3><p class=\"box-position\">Head of Ventures<\/p><p class=\"box-company\">MS Transverse\u00a0MS&amp;AD<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Joeri-Jedeloo-1.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Joeri Jedeloo<\/h3><p class=\"box-position\">CIO, P&amp;C and Income insurance<\/p><p class=\"box-company\">NN Group<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Vanesa_80175e.png\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Vanesa Bustamante<\/h3><p class=\"box-position\">Chief Information Officer<\/p><p class=\"box-company\">HDI Group<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Frederic-Prate-2.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Frederic Prate<\/h3><p class=\"box-position\">Member Scientific and Ethical Committee<\/p><p class=\"box-company\">Future 4 Care<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Jamie-Macgregor-1.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Jamie Macgregor<\/h3><p class=\"box-position\">Global Head<\/p><p class=\"box-company\">Celent<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Ralph-Severini-2.png\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Ralph Severini<\/h3><p class=\"box-position\">Global leader, Commercial insurance<\/p><p class=\"box-company\">AWS<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Rory-Yates.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Rory Yates<\/h3><p class=\"box-position\">Global Chief Strategy Officer<\/p><p class=\"box-company\">EIS<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Bryan-Falchuk-2.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Bryan Falchuk<\/h3><p class=\"box-position\">President &amp; CEO<\/p><p class=\"box-company\">PLRB<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Sara-Landini-2.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Sara Landini<\/h3><p class=\"box-position\">Professor<\/p><p class=\"box-company\">University\u00a0of Florence<\/p><ul class=\"social-nav col-md-12\"><\/ul><\/div><\/div><div class=\"box\"><div class=\"box-author-img col-md-12 col-2\"><img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/04\/Michael-Kleiman-2.jpg\" alt=\"\"\/><\/div><div class=\"right col-md-12 col-8\"><h3>Michael Kleiman<\/h3><p class=\"box-position\">Head of\u00a0Macro Consulting, Americas<\/p><p class=\"box-company\">Oxford Economics<\/p><ul 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role=\"alert\">\n\t\t\t\t\t\t\t\t<p>Gracias! Hemos recibido su formulario.\t\t\t\t<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>Lo sentimos, el env\u00edo del formulario fall\u00f3. Int\u00e9ntalo de nuevo.<\/p>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>El cambio demogr\u00e1fico exige una transformaci\u00f3n estrat\u00e9gica de los seguros<\/p>\n","protected":false},"author":81,"featured_media":572254,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"abfb9cb2-dd3a-4f7f-b4ec-682b76b4b7c4\",\"blogId\":\"1\",\"domain\":\"www.capgemini.com\",\"sitePath\":\"\/\",\"postLink\":\"https:\/\/www.capgemini.com\/insights\/research-library\/world-property-and-casualty-insurance-report\/\",\"postId\":867069,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false,\"isEnabled\":true}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":335,"primary_term":"Digital 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