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Acompanhamento e implementação de um produto na sua construção e também no pós venda
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Resumo(s)
The implementation and monitoring of products in the insurance sector are processes that are considered fundamental to guaranteeing that the offer meets market needs, regulatory compliance and technical sustainability. This project report analyses, in an integrated way, the essential stages of this process, from conception and feasibility analysis, through technical and pricing definition, to post-launch monitoring, with the idea of the importance of ongoing management for the commercial and technical success of an insurance product. The methodology included a review of the literature and regulatory framework, as well as a detailed description of the implementation phases of an insurance product. To illustrate the practical application of these stages, the case of GAP insurance was analysed using real production and claims data. Statistical techniques were applied in the R software, including significance tests and multiple linear regression modelling, allowing variables with a relevant impact on the cost of claims to be identified. The results show that factors such as the cylinder ability of the vehicle, the type of fuel, the nature of the event and the status of the claim significantly influence the average costs, while seasonal and socio-demographic variables have minor impact. This evidence reinforces the importance of a structured technical approach and analytical tools for checking products, making it possible to adjust tariffs, improve internal processes and improve risk management. It can be concluded that the method presented can be applied to diverse types of insurance and is a good practice for ensuring competitiveness and efficiency in the sector. The use of predictive models and continuous monitoring systems is a strategic opportunity for the future of the technical management of insurance products.
Descrição
Trabalho de Projeto de Mestrado, Matemática Aplicada à Economia e Gestão, 2025, Universidade de Lisboa, Faculdade de Ciências
Palavras-chave
Product management Implementation Motor insurance Statistical analysis Insurance sector