Estudio de viabilidad para la creación de seguros para mascotas caninas en Guayaquil
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2018
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Universidad de Guayaquil Facultad de Ciencias Administrativas
Resumen
El presente trabajo de titulación se realizó con el fin de conocer la viabilidad existente para la creación de un seguro de mascotas caninas en la ciudad de Guayaquil como parte de la ampliación de la línea de servicios ofertada por una empresa aseguradora constituida. Las empresas aseguradoras son entidades destinadas a ofrecer una cobertura para sus clientes ante fatalidades como muerte, accidentes, enfermedades, entre otras, y poseen diversos niveles de protección, como pólizas de segura, medicina prepagada, servicios exequiales, indemnizaciones o montos fijos para los beneficiarios. En el caso de un seguro para mascotas, se hace hincapié en la necesidad de que el seguro se realice enfocado a la cobertura de medicina prepagada debido a los altos márgenes de costos que genera el cuidado de una mascota canina. De acuerdo a los datos recopilados por medio de la investigación descriptiva y exploratoria realizada, los dueños de mascotas caninas las consideran parte de su familia y procuran brindarle todos los cuidados necesarios como son vacunas, adiestramiento, servicios de peluquería y visitas médicas regulares. Es por ello que, se estima que con un monto de inversión de $36.470,43, el proyecto generará una tasa interna de retorno de 29,40% y un valor actual neto de $18.769 dólares considerando al proyecto como rentable.
The present degree work was carried out with the purpose of knowing the existent viability for the creation of a dog pet insurance in the city of Guayaquil as part of the expansion of the line of services offered by a constituted insurance company. The insurance companies are entities designed to offer coverage for their clients in the event of fatalities such as death, accidents, illnesses, among others, and have various levels of protection, such as insurance policies, prepaid medicine, funeral services, compensation or fixed amounts for beneficiaries. In the case of pet insurance, emphasis is placed on the need for insurance to be made focused on prepaid medical coverage due to the high cost margins generated by the care of a pet dog. According to the data collected through the descriptive and exploratory research carried out, the owners of pets consider them part of their family and try to provide all the necessary care such as vaccinations, training, hairdressing services and regular medical visits. That is why, it is estimated that with an investment amount of $ 36,470.43, the project will generate an internal rate of return of 29.40% and a net present value of $ 18,769 considering the project as profitable.
The present degree work was carried out with the purpose of knowing the existent viability for the creation of a dog pet insurance in the city of Guayaquil as part of the expansion of the line of services offered by a constituted insurance company. The insurance companies are entities designed to offer coverage for their clients in the event of fatalities such as death, accidents, illnesses, among others, and have various levels of protection, such as insurance policies, prepaid medicine, funeral services, compensation or fixed amounts for beneficiaries. In the case of pet insurance, emphasis is placed on the need for insurance to be made focused on prepaid medical coverage due to the high cost margins generated by the care of a pet dog. According to the data collected through the descriptive and exploratory research carried out, the owners of pets consider them part of their family and try to provide all the necessary care such as vaccinations, training, hairdressing services and regular medical visits. That is why, it is estimated that with an investment amount of $ 36,470.43, the project will generate an internal rate of return of 29.40% and a net present value of $ 18,769 considering the project as profitable.
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MODELO DE NEGOCIOS, SEGURO PARA MASCOTAS, GUAYAQUIL, VIABILIDAD