La Storia di Marta e Chiara: un esempio di best practice di Inser nell'assicurazione per viaggiatori all'estero

The story of Marta and Chiara: an example of Inser’s best practice in insurance for travellers abroad

The Story of Marta and Chiara: an example of Inser’s best practice in insurance for travellers abroad

La Storia di Marta e Chiara: un esempio di best practice di Inser nell'assicurazione per viaggiatori all'estero

When you decide to travel abroad, it is essential to have adequate insurance coverage for the specific needs of your trip. To explain why, we will tell the story of Marta and Chiara (the names are fictional), two Italian girls who lived a difficult experience in Nicaragua and how Inser intervened decisively to ensure their safe return to Italy.

Sometimes traveling abroad involves risks and challenges that can vary greatly depending on your destination and planned activities. For this reason, it is essential to have a competent expert at your side to ensure the tranquility and safety of travelers, sure to be protected in case of unexpected events.


The story of Marta and Chiara

Marta and Chiara, two brave Italian girls, decided to go to Nicaragua for a period of time as volunteers for Doctors Without Borders. Before the departure they had taken out travel insurance directly with a tour operator, who often does not have the same technical skills as an insurance broker experienced in the field. During their stay they found themselves in a difficult situation when they were involved in a serious road accident.


The accident forced them to go to a local hospital, where they faced challenges related to the quality of health compared to Italy. However, the main problem was repatriation in a short time, an emergency given the seriousness of the health conditions. The insurance coverage available to them did not provide assistance for a quick return to Italy, thus creating a further complication.

It is in this situation that Inser, thanks to the experience of its international insurance experts for those traveling abroad, has managed to organize the repatriation of Marta and Chiara in just three days.


The role of Inser Spa and the experts in the insurance industry

The story of Marta and Chiara clearly shows how essential it is to rely on a competent insurance consultant when traveling abroad.

Thanks to our extensive experience in the international travel insurance industry, we are able to ensure the protection and tranquility of our customers with a wide range of tailored policies that include medical emergency guarantees, accidents, cancellation of the trip, loss or theft of luggage and different other.

Relying on an experienced and specific team, even more if you travel to distant countries, can make the difference for a timely solution of the problem.


Polizze Parametriche, nuova frontiera dell'assicurazione

Parametric insurance, new frontier of insurance

Parametric insurance, new frontier of insurance

Polizze Parametriche, nuova frontiera dell'assicurazione

Parametric policies represent an innovative form of insurance that offers coverage based on specific, predefined and measurable parameters.

It is a solution offered by Inser Spa, which differs from traditional policies because it determines the payment based on the occurrence of a specific natural event, or the achievement of a predetermined threshold.


Concrete examples of use
Parametric insurances cover specific risks that can be measured objectively through a parameter set out in the contract. For example, parametric insurance for a farm could be activated in the event of prolonged drought, measured by the amount of rainfall recorded over a given period of time. Other examples may include natural events such as earthquakes of a certain intensity or floods that exceed a certain hydrometric level as, unfortunately, has happened in these days in Emilia-Romagna.


For an event to be considered eligible as an insurable trigger, it must be fortuitous, or outside the policyholder’s control. This means that the event must be objectively measurable and verifiable, so as to ensure transparency in the determination of compensation.


How the insurance works
The insurance contract establishes a hypothetical amount of compensation that represents the amount paid in case of trigger activation, then the specific parameter that activates the compensation mechanism is determined. In the case of a parametric precipitation policy, for example, exceeding a precipitation threshold could trigger payment.


Benefits for insured persons
Parametric insurances offer many advantages for policyholders, including a quick and transparent claims settlement process because when the event occurs, exceeded the established threshold, the compensation is paid immediately without the need to assess the actual losses, which very often gives rise to prolonged litigation.


The role of Inser
Inser Spa stands out for its commitment to support its customers in every aspect of insurance. We are always ready to listen and understand the needs of companies, offering expert advice and customized solutions. Parametric policies are an important tool for addressing specific risks, ensuring timely and transparent protection. We can guide our customers through the process of selecting and customizing parametric policies, ensuring that every aspect is clear and understandable.


Il Cyber Risk Management: un Viaggio di partnership verso la sicurezza aziendale

Cyber Risk Management: a Partnership Journey to Enterprise Security

Cyber Risk Management: a journey of partnership towards corporate security

Il Cyber Risk Management: un Viaggio di partnership verso la sicurezza aziendale

In the digital age, the risk of suffering a cyber attack is an unavoidable reality for both companies and people; every day we are exposed to threats that seriously endanger our security and, above all, our well-being.

The latest statistics state that hackers can hack corporate systems at 93%, because of their extreme vulnerability; small and medium-sized enterprises are the most affected and fragile realities; the block of the activity turns out to be one of the more considerable damages for a company that makes of the time one precious resource. Other data state that SMEs are not able to defend themselves against a hacker threat, nor to recover from the financial damage suffered, and, despite this, most companies have not yet purchased insurance coverage that offers adequate cyber risk protection.


The insurance market used to be limited to suggesting but today it demands the active participation of the company in risk management.


Thus, in an evolving world threatened by real and new risks, it becomes essential to undertake a corporate path, first of all of analysis and study of their vulnerabilities, in a second moment of protection and defense through the weighted insurance transfer able to guarantee corporate welfare and cyber security.


The great journey to cybersecurity
Imagine this route as if it were a coast to coast journey that starts from an uncertain and unpredictable place to reach a safe landing place, made of tranquility and prosperity; a great journey in which the company looks forward with foresight to acquire awareness of the risks to which it is subject.


If you think about it, it’s exactly like this: a motorist prepares for the long journey with in his hand the precise and detailed map that indicates the current location, the destination to reach and the road to go. The map is the fundamental tool to understand how many kilometers have to be made, if you have adequate resources and, consequently, if you have to vary the route.


Things, people, safety: the right way

Based on our decades of experience, we endorse what has been said: against cyber risk the insurance solution is only the last stage of the great journey, extremely important, but what matters is the path that together we will take. The three milestones of the coast to coast are called "things", "people" and "security".


The first concerns the improvement of company hardware and software, because the protection of digital resources is essential to counter external threats; the second, people, requires special attention to staff training: Being aware of your assets and human resources means you have a great advantage over cyber threats, so it’s critical to update employees on phishing techniques and raise awareness about cybersecurity. Finally, the last and most important stage, safety: it implies the conscious and necessary transfer of residual risk to insurers. As we said, it is the last leg of the journey, the one that at the end of the coast to coast will bring us to our destination, our safe haven. Keep in mind: things, people, security are the necessary formula against every cyber threat.


La partnership con Inser e il risk managment
We care about the company’s interests and well-being, and believe cybersecurity is an unprecedented priority these days. It is a risk that cannot be faced alone, because you are never fully prepared, nor do you have the necessary means. If we think about it, cyber risk is exactly like sports doping: it always manages to be one step ahead and to escape the controls. This is why we need industry experts, who together with companies are able to consolidate an iron alliance against real risks. The journey we talked about will thus become a strong partnership: together we will plan the strategy, organize risk management tailored to the company, face the challenges to protect things and people from the threats of the virtual world.


We are aware that every travel destination, with time, turns into the initial stage of a subsequent, you must always be ready to start again, to get back into the game by updating our hand luggage on the basis of previous experiences. let's do it together.