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Open insurance : sistema de seguros aberto
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No atual ambiente econômico global, os dados tornaram-se fundamentais, figurando como um dos eixos centrais dos processos de negócio e decisão. Sua gestão eficaz fornece insights significativos sobre comportamento humano, preferências do consumidor e movimentos do mercado. Por isso, o compartilhamento de dados entre empresas tem o potencial multiplicador de sua disponibilidade, o que pode desencadear um aumento de produtividade dos mercados, ao revelar padrões ocultos, de modo a ampliar a competitividade, promover a inovação e minimizar as assimetrias de informação. Nesse contexto, o papel dos reguladores para viabilizar o fluxo de dados compartilhados, com proteção da privacidade, é crucial. Propostas recentes em torno do compartilhamento de dados em mercados financeiros culminaram no desenvolvimento do Open Finance, do Open Banking e do Open Insurance. No setor de seguros, os dados são vitais, pois auxiliam na precisa avaliação de riscos, na precificação de apólices e no desenvolvimento de produtos personalizados, o que possibilita um melhor atendimento das necessidades dos clientes. Assim, o compartilhamento dos dados nesse setor desponta como uma solução de aprimoramento dos produtos e serviços, o que pode impactar no equilíbrio competitivo do mercado. Diante disso, o presente estudo busca abordar o tema da partilha de dados no mercado de seguros e sua relação com a regulação do Estado no modelo do Open Insurance, que se configura como solução regulatória que promove o seu compartilhamento obrigatório entre empresas, com o devido consentimento do consumidor titular dos dados. A partir de tal sistema, o mercado é impulsionado a agir de forma colaborativa que dificilmente ocorreria de modo espontâneo, como pode ser inferido da análise do modelo brasileiro. No entanto, é importante frisar que os resultados concretos do Open Insurance, especialmente em relação à eficiência, concorrência apropriada e inovação, ainda não podem ser definitivamente avaliados, ante a implementação recente dos ambientes regulados de compartilhamento de dados no setor de seguros.
In the contemporary global economic environment, data has assumed a fundamental role, emerging as a pivotal axis within business operations and decision-making processes. Effective data management furnishes profound insights into human behavior, consumer inclinations, and market dynamics. Consequently, the exchange of data amongst enterprises harbors the potential to amplify its accessibility, thereby catalyzing heightened market productivity through the revelation of concealed patterns, ultimately fostering enhanced competitiveness, innovation, and the mitigation of informational asymmetries. Within this framework, the regulatory function assumes critical importance in facilitating the flow of shared data while safeguarding privacy considerations. Recent initiatives of data sharing within financial sector have manifested in the conceptualization of Open Finance, Open Banking and Open Insurance. Particularly within the insurance market, data assumes a pivotal role by facilitating precise risk evaluation, policy valuation, and the curation of tailored products, thereby enhancing customer-centricity. Consequently, data sharing within this sector emerges as a strategic avenue for product and service improvement, consequently influencing market equilibrium. Taking into account these considerations, this study endeavors to explore the intricacies surrounding data sharing within the insurance market, particularly examining its interface with state regulatory frameworks within the Open Insurance paradigm. This regulatory solution advocates for mandatory data sharing, contingent upon the informed consent of the consumer data owner. Through such a framework, the market is induced towards collaborative endeavors that may not naturally occur, as evidenced by the analysis of the Brazilian model. However, it is imperative to underscore that the tangible outcomes of Open Insurance, notably regarding efficiency, equitable competition, and innovation, remain subject to ongoing evaluation, given the nascent implementation of regulated data sharing environments within the insurance sector.
In the contemporary global economic environment, data has assumed a fundamental role, emerging as a pivotal axis within business operations and decision-making processes. Effective data management furnishes profound insights into human behavior, consumer inclinations, and market dynamics. Consequently, the exchange of data amongst enterprises harbors the potential to amplify its accessibility, thereby catalyzing heightened market productivity through the revelation of concealed patterns, ultimately fostering enhanced competitiveness, innovation, and the mitigation of informational asymmetries. Within this framework, the regulatory function assumes critical importance in facilitating the flow of shared data while safeguarding privacy considerations. Recent initiatives of data sharing within financial sector have manifested in the conceptualization of Open Finance, Open Banking and Open Insurance. Particularly within the insurance market, data assumes a pivotal role by facilitating precise risk evaluation, policy valuation, and the curation of tailored products, thereby enhancing customer-centricity. Consequently, data sharing within this sector emerges as a strategic avenue for product and service improvement, consequently influencing market equilibrium. Taking into account these considerations, this study endeavors to explore the intricacies surrounding data sharing within the insurance market, particularly examining its interface with state regulatory frameworks within the Open Insurance paradigm. This regulatory solution advocates for mandatory data sharing, contingent upon the informed consent of the consumer data owner. Through such a framework, the market is induced towards collaborative endeavors that may not naturally occur, as evidenced by the analysis of the Brazilian model. However, it is imperative to underscore that the tangible outcomes of Open Insurance, notably regarding efficiency, equitable competition, and innovation, remain subject to ongoing evaluation, given the nascent implementation of regulated data sharing environments within the insurance sector.
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Palavras-chave
Mercado de seguros Era digital Partilha de dados Regulação Consentimento Proteção do consumidor Teses de mestrado - 2025