Estudo: seis em dez pessoas preferem ter seguros em vez de mais salário
Autor: Francis Hesse Palestrante | Publicado: 2016-11-18T19:07:00-02:00


Apesar do estudo ter sido realizado só em 11 países, demostra
uma melhor compreensão de risco por parte das pessoas.



Seis em cada dez pessoas preferem regalias, como um seguro
com cobertura em caso de perda de rendimento, em vez de mais salário, revela um
estudo da seguradora Zurich e da Universidade de Oxford, realizado junto de 11
mil trabalhadores de onze países – Austrália, Brasil, Alemanha, Hong Kong,
Itália, Malásia, México, Espanha, Reino Unido, Suíça e EUA.

Com o aumento da chamada “economia dos biscates” e o aumento
do trabalho em part-time, e a desproteção social em caso de doença ou acidente,
aumenta o número de inquiridos (52%) sem seguro atualmente e que diz que
estaria disponível para adquiri-lo. Porém, ainda são os que trabalham em full
time que têm maior tendência a adquirir este tipo de cobertura de risco. A
maioria estaria disposto a abdicar de entre 5% e 10% do salário para tal
seguro, o que, segundo o referido estudo, corresponde a uma percepção de custo
inflacionada.

Segundo o estudo Zurich “Prevenção de perdas de rendimento:
desafios e oportunidades”, os maiores adeptos dos seguros são quem apresenta
maiores rendimentos, portanto com maior percepção do risco; quem está mais
informado sobre seguros também está mais predisposto a adquiri-los; mas a
experiência pessoal conta mais do que a informação, isto é, quem já passou pela
privação de rendimentos tem mais tendência a fazer um seguro que cubra esse
risco. Além disso, os homens continuam a ser maiores clientes dos seguros de
vida do que as mulheres, dado ser ainda a principal fonte de rendimento da
família nos países estudados. São também os mais novos que investem nos
seguros, apesar de os mais velhos terem consciência dos riscos.
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Fonte: Dinheiro Vivo via Capitolio