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    • Quais são os tipos de seguros disponíveis no Brasil?

    Redação

    Para que possamos desfrutar de todos os tipos de seguros, precisamos entender cada um deles. Nos dias de hoje, as pessoas não sabem da importância de contratar seguros. Outros pensam que eles custam uma fortuna e consideram como gastos desnecessários. 

    No entanto, eles desempenham o papel de dar suporte em momentos difíceis e imprevisíveis, tanto no contexto pessoal quanto empresarial. Quer saber sobre eles? Descubra neste artigo, porque custa mais caro estar sem seguro!

    Tipos de seguros: saiba sobre todos eles

    Neste artigo, vamos compartilhar os principais tipos de seguros que são relevantes para proteger de diversas situações. Caso o segurado seja um empresário esse conteúdo pode contribuir para a segurança do seu capital humano.

    Ao entender os detalhes de cada seguro, podemos definir aqueles das quais avaliamos para ofertar aos funcionários do time. Dessa forma, garantimos baixa rotatividade na equipe e concluir qual seguro incluir nos benefícios.

    Entenda a importância dos seguros

    Os seguros têm o objetivo de assegurar ou proteger algo ou alguém. Por exemplo, proteção de residência, vida, saúde etc. Com isso, o segurado e os funcionários ou familiares recebem indenização em caso de prejuízos como acidentes, óbitos, doenças, catástrofes naturais etc.

    Sem dúvida, o colaborador fica até mais tranquilo na hora de trabalhar. Visto que ele pode se concentrar e desempenhar a sua função com mais eficiência. As pessoas com seguro saúde sabem que o adoecimento promove atendimento rápido e eficaz. Com isso, trabalham com menos preocupações. Sem dúvida, passa a ser um ganho ao empregador. Pois, o colaborador melhora na produtividade, conta com um atendimento ágil e o funcionário chega rápido no trabalho. Essa lógica também se aplica aos outros tipos de seguros. Veja a seguir, os tipos de seguros mais comuns no mercado!

    Saúde

    Para as empresas, esse é o seguro mais importante para proteger e cuidar de seu maior investimento, os seus funcionários. Qualquer negócio se destaca quando uma instituição valoriza o capital humano. Razão essa que contratar um seguro de saúde se compara a gestão de um programa que promove saúde aos membros da companhia. 

    Além disso, não podemos esquecer que um bom plano engloba odontologia e combate a doenças. Por consequência, o negócio terá um time saudável, motivado e animado para executar as atividades. Não só no contexto corporativo, mas na vida pessoal, o seguro saúde é valorizado. Contudo, o mais ofertado é no campo empresarial. Sendo essa, a opção com mais demandas.

    A sua importância é essencial, como citamos para manter o bem-estar do funcionário e impedir a queda de produtividade. Por exemplo, perda de foco, concentração, doenças crônicas ou psicológicas. Temos aqui duas maneiras de tratar o seguro. A primeira delas é com base no reembolso de consultas. A segunda está associada a rede de convênios.

    Frota

    Um dos crimes que mais preocupa a Segurança Pública e que aumentou de forma consistente foi o de roubo de cargas. A quantidade de ocorrências é enorme e se repete em todas as regiões do Brasil. Com isso, o prejuízo financeiro da empresa é muito alto e o risco para a segurança dos colaboradores é alto. Isto é, o seguro frota é fundamental para a segurança dos veículos de carga. Pois, assegura tudo que estiver dentro do veículo e a segurança dos colaboradores que usam o automóvel para trabalho. 

    Automóvel

    Esse seguro protege tanto carro quanto moto. Ele indeniza o segurado na forma de reparos, em caso de acidentes, ou roubo, danos a terceiros, catástrofes naturais, assistência 24 horas, carro reserva e outras coberturas. Sem dúvida, este seguro contribui para cobrir a responsabilidade civil que envolve danos corporais e materiais de terceiros.

    Vida

    Esse seguro contribui para estimular o relacionamento entre funcionário e empresa. Pois, ao oferecer suporte e apoio à saúde, ofertamos bem-estar e tranquilidade. Essa é uma maneira de expressar aos membros do time a sua preocupação. Mesmo que a função dos colaboradores não promova riscos, o seguro de vida é essencial, pois impacta na saúde física e emocional. 

    Residencial

    Esse seguro garante proteção aos bens internos em caso de danos. No momento da contratação, o segurado pode criar um pacote de cobertura personalizada. Portanto, o seguro residencial disponibiliza diversos serviços. Por exemplo, chaveiro, eletricista, encanador etc. Para empresas, esse tipo de benefício também dá para oferecer aos funcionários à parte. Isto é, o funcionário paga com desconto e parcelamento. Entretanto, o próprio funcionário deve arcar com o pagamento de sua parte. Caso haja atrasos, a cobrança chega direto ao colaborador por meio da seguradora. Então, não gera prejuízos para a empresa.

    Viagem

    Viajar é cultural, promove experiências boas e ajuda a contribuir com o próprio bem-estar. Entretanto, para quem pensa em fazer uma longa viagem, deve providenciar um seguro. Isso porque o seguro promove atendimento médico, transporte aéreo em caso de emergência, indenização por invalidez ou óbito. Podemos desfrutar tanto fora do Brasil como dentro do país. 

    Patrimonial

    Recomendamos esse seguro para garantir o patrimônio do negócio. Ou seja, ele é ideal para empresários e visa a proteção completa da empresa contra diversas situações. Sendo ele fundamental para os empreendimentos de qualquer tamanho ou segmento. 

    tipos de seguro

    Como escolher o melhor seguro

    No caso das empresas, como decidir o melhor seguro para incluir no benefício? Compensa incluir todos eles? Em geral, o seguro saúde é praticamente obrigatório para garantir o bem-estar do funcionário. Inclusive, o seguro de vida também é fundamental e um grande atrativo para os colaboradores. Principalmente, para cargos que colocam a vida em risco. 

    Os outros tipos de seguros são importantes, mas precisam avaliar o cargo. Por exemplo, funções e cargos que exigem viagens constantes, uso frequente de veículo etc. Portanto, na hora de montar o pacote de benefícios, inclua seguros básicos, para depois decidir personalizar e incluir os outros.

    As pessoas esperam o momento de urgência para tomar uma decisão. Quando temos essa mentalidade sempre vivemos turbulências. Por isso, prevenir é a melhor forma de garantir tranquilidade para você, seus funcionários ou familiares!

    Você conheceu todos os tipos de seguros. Agora tome a decisão de escolher a mais adequada para o seu momento. Previna-se! 

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