{"id":645986,"date":"2024-02-16T01:14:43","date_gmt":"2024-02-16T01:14:43","guid":{"rendered":"https:\/\/www.capgemini.com\/br-pt\/?post_type=research-and-insight&#038;p=645986"},"modified":"2026-02-11T01:21:47","modified_gmt":"2026-02-11T01:21:47","slug":"3-edicao-do-estudo-analise-de-mercado-do-open-insurance-desafios-oportunidades-e-estrategias","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/br-pt\/insights\/biblioteca-de-pesquisas\/3-edicao-do-estudo-analise-de-mercado-do-open-insurance-desafios-oportunidades-e-estrategias\/","title":{"rendered":"3\u00b0 edi\u00e7\u00e3o do estudo \u201cAn\u00e1lise de mercado do open insurance: desafios, oportunidades e estrat\u00e9gias\u201d"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/MicrosoftTeams-image-6.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/MicrosoftTeams-image-6.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/MicrosoftTeams-image-6.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/MicrosoftTeams-image-6.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/MicrosoftTeams-image-6.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/MicrosoftTeams-image-6.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/MicrosoftTeams-image-6.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/MicrosoftTeams-image-6.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/MicrosoftTeams-image-6.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:50% 72%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Open Insurance<\/span><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">3\u00b0 edi\u00e7\u00e3o do estudo \u201cAn\u00e1lise de mercado do open insurance: desafios, oportunidades e estrat\u00e9gias\u201d<\/h1><\/div><h2 class=\"reasearchInsightTitle\">Pesquisa exclusiva sobre Open Insurance da Capgemini Brasil apresenta a o mais completo raio-x do momento atual, das expectativas e perspectivas do mercado em rela\u00e7\u00e3o ao assunto.<\/h2><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/Estudo_Capgemini_OPIN-2024.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download do estudo<\/span><span class=\"type\">14 MB pdf<\/span><\/a><\/div><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/Infografico_Estudo_Capgemini_OPIN-2024.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><span>Download do Infogr\u00e1fico<\/span><span class=\"type\">7 MB pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/br-pt\/?post_type=resource&amp;p=1799\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/br-pt\/?post_type=resource&amp;p=1799&amp;text=1%C2%B0%20Atualiza%C3%A7%C3%A3o%20do%20Estudo%20%E2%80%9CAn%C3%A1lise%20de%20Mercado%20do%20Open%20Insurance%3A%20desafios%2C%20oportunidades%20e%20estrat%C3%A9gias%E2%80%9D\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https:\/\/www.capgemini.com\/br-pt\/?post_type=resource&amp;p=1799&amp;text=1%C2%B0%20Atualiza%C3%A7%C3%A3o%20do%20Estudo%20%E2%80%9CAn%C3%A1lise%20de%20Mercado%20do%20Open%20Insurance%3A%20desafios%2C%20oportunidades%20e%20estrat%C3%A9gias%E2%80%9D\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<p>Nesta edi\u00e7\u00e3o, nosso time deixou a pesquisa mais robusta, o n\u00famero de respondentes mais que dobrou e \u2013 pela primeira vez \u2013 ouvimos os corretores, que como os principais agentes do mercado segurador, trazem uma vis\u00e3o abrangente sobre o assunto.<br><br><a href=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/Estudo_Capgemini_OPIN-2024.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">CLIQUE AQUI PARA ACESSAR O RELAT\u00d3RIO COMPLETO.<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/www.capgemini.com\/br-pt\/wp-content\/uploads\/sites\/12\/2024\/02\/Estudo_Capgemini_OPIN-2024.pdf\">CLIQUE AQUI PARA CONFERIR O RESUMO NO INFOGR\u00c1FICO.<\/a>&nbsp;<\/p>\n\n\n\n<p>A terceira edi\u00e7\u00e3o do estudo, apresenta uma vis\u00e3o atualizada e completa do mercado brasileiro de seguros sobre o tema e demonstra uma significativa evolu\u00e7\u00e3o do conceito de Open Insurance (OPIN) no pa\u00eds. <br><br>Apesar de sua evolu\u00e7\u00e3o ser inevit\u00e1vel e trazer um forte impacto para o mercado de seguros local, o assunto ainda apresenta pontos de aten\u00e7\u00e3o, dado que divide o setor e permanece pouco compreendido, principalmente pelos corretores e pela sociedade em geral &#8212; conforme a vis\u00e3o dos participantes.<br><br>Com um universo de pesquisa ampliado, a parte quantitativa da pesquisa deste ano contou com uma participa\u00e7\u00e3o 161% superior comparada \u00e0 vers\u00e3o anterior, totalizando 204 entrevistados. Para garantir um cen\u00e1rio mais diversificado de respondentes, foram inclu\u00eddos novos participantes com atua\u00e7\u00e3o direta no setor, como os corretores de seguros, que corresponderam a 46% , respectivamente. Em rela\u00e7\u00e3o aos cargos ocupados pelos entrevistados, 50% correspondem aos propriet\u00e1rios ou presidentes de empresas do setor de seguros e 16% \u00e9 composto por diretores.<br>Em mais uma inova\u00e7\u00e3o, a edi\u00e7\u00e3o inclui um levantamento qualitativo realizado por meio de 19 entrevistas individuais com executivos l\u00edderes de seguradoras, resseguradoras, corretoras, insurtechs e dirigentes de entidades de seguros do pa\u00eds, o que conferiu uma abordagem anal\u00edtica e mais estrat\u00e9gica ao material. Entre os entrevistados individualmente, 42% correspondem \u00e0s Seguradoras, seguidos por representantes de Entidades com 26%, executivos de Corretoras com 21% e, finalmente, Insurtechs e Resseguradoras representadas por 5% cada.<br><br><em>\u201cEssa s\u00e9rie de estudos sobre OPIN, que agora se encontra na sua 3\u00aa edi\u00e7\u00e3o, foi inteiramente realizada no pa\u00eds pelo time de especialistas da Capgemini Brasil, foi iniciada em 2022 e j\u00e1 se tornou uma ferramenta estrat\u00e9gica essencial para tomada de decis\u00e3o dos l\u00edderes brasileiros desse segmento\u201d<\/em>, comemora Renata Ramos, Vice-presidente para Seguros da empresa. <em>\u201cNossa recente pesquisa constata que o crescimento das iniciativas rumo \u00e0 implementa\u00e7\u00e3o do OPIN \u00e9 inevit\u00e1vel e, portanto, deve passar a fazer parte da agenda estrat\u00e9gica dos executivos tomadores de decis\u00e3o do setor\u201d<\/em>, complementa Renata.<\/p>\n\n\n\n<p><em>\u201cTemos registrado esse movimento desde o seu surgimento, em 2021, e seguimos com a realiza\u00e7\u00e3o de estudos anuais, cada vez mais abrangentes, que oferecem ao mercado um cen\u00e1rio claro no tange o desenvolvimento, desafios e oportunidades dessa iniciativa. Nossos estudos nos conferem uma expertise de mercado \u00edmpar e refor\u00e7a nosso posicionamento como parceiro estrat\u00e9gico de neg\u00f3cios para nossos clientes na regi\u00e3o\u201d,<\/em> conclui a executiva.<br><br>Os dados do estudo revelam uma percep\u00e7\u00e3o otimista em rela\u00e7\u00e3o ao impacto causado pelo OPIN no mercado e os resultados mostram que o desenvolvimento da iniciativa \u00e9 inevit\u00e1vel, principalmente devido ao alinhamento existente com o movimento de Open Finance, que atualmente se encontra em franco desenvolvimento. <br><br>No entanto, uma parte importante dos executivos pesquisados continuam c\u00e9ticos a respeito do potencial de neg\u00f3cios esperado para Open Insurance e, apesar de estarem bastante ciente de suas obriga\u00e7\u00f5es regulat\u00f3rias, ainda receiam incorrer em investimentos e movimentos mais significativos nessa dire\u00e7\u00e3o.<br><br><em>\u201cJuntamente com o OPIN, o formato e o conte\u00fado de nossos estudos v\u00eam evoluindo ao longo dos anos. A nova edi\u00e7\u00e3o traz importantes melhoramentos tanto em seu formato como no conte\u00fado, j\u00e1 que registrou um importante aumento no n\u00famero de respondentes e contou com a valiosa participa\u00e7\u00e3o de corretores, al\u00e9m da an\u00e1lise individual de importantes l\u00edderes nacionais do setor\u201d,<\/em> analisa Gustavo Lean\u00e7a, Diretor de Solu\u00e7\u00f5es para Seguros na Capgemini Brasil. <em>\u201cApesar de ainda ser pouco compreendido, principalmente pelo universo de corretores e pelos consumidores finais, (conforme percep\u00e7\u00e3o dos respondentes), o OPIN \u00e9 uma iniciativa que veio para ficar e seguramente viabilizar\u00e1 parte do imenso potencial de crescimento do setor por meio de transforma\u00e7\u00f5es como a cria\u00e7\u00e3o de ofertas hiperpersonalizadas, precifica\u00e7\u00f5es mais eficientes, processos otimizados (ex.: onbording e portabilidade) e a transforma\u00e7\u00e3o no papel do corretor \u201d,<\/em> avalia Lean\u00e7a. <br><br><em>\u201cO OPIN precisa ser visto como um meio e n\u00e3o como um fim; ele nada mais \u00e9 do que uma \u201cplataforma\u201d onde os dados dos clientes ter\u00e3o espa\u00e7o para serem transacionados e lidos, e isso permitir\u00e1 chegar aos fins desejados, que s\u00e3o, melhores ofertas, satisfa\u00e7\u00e3o do cliente e crescimento do mercado de Seguros\u201d<\/em>, conclui o executivo.<br><br>Em sequ\u00eancia \u00e0s edi\u00e7\u00f5es anteriores, a pesquisa atual destacou nove temas considerados os mais relevantes para os profissionais que atuam no segmento de seguros nacional, que s\u00e3o: <br><br><strong>1. A situa\u00e7\u00e3o atual da iniciativa e as expectativas do mercado; <br>2. O in\u00edcio dos primeiros efeitos pr\u00e1ticos; <br>3. Os desafios e as oportunidades; <br>4. O grau de conhecimento do mercado sobre a iniciativa; <br>5. Os seguros mais afetados pelo OPIN; <br>6. Os impactos do OPIN nos agentes do setor; <br>7. Como aprimorar o modelo de OPIN; <br>8) A rela\u00e7\u00e3o de OPIN com Open Finance;<br>9. Os indicadores operacionais de&nbsp;OPIN. <\/strong><br><br>Entre esses t\u00f3picos, alguns j\u00e1 haviam sido pesquisados nas vers\u00f5es anteriores enquanto outros pertencem apenas \u00e0&nbsp;\u00faltima&nbsp;edi\u00e7\u00e3o.<br><br>Acesse o estudo e tenha acesso aos dados completos da pesquisa.<\/p>\n\n\n\n<p>A pesquisa \u201cAn\u00e1lise de mercado do Open Insurance: desafios, oportunidades e estrat\u00e9gias\u201d foi realizada com o apoio <a href=\"https:\/\/aws.amazon.com\/pt\/partners\/capgemini\/\" target=\"_blank\" rel=\"noreferrer noopener\">AWS<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-podemos-ajudar-sua-empresa-a-acelerar-a-prontidao-para-o-opin-aproveitando-todos-os-beneficios-dessa-nova-realidade\"><strong>Podemos ajudar sua empresa a acelerar a prontid\u00e3o para o OPIN, aproveitando todos os benef\u00edcios dessa nova realidade!<\/strong><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-preencha-o-formulario-abaixo-para-receber-o-contato-de-um-dos-nossos-especialistas\">Preencha o formul\u00e1rio abaixo para receber o contato de um dos nossos especialistas:<\/h3>\n\n\n\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_344241_3434879232\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344241_8430_225706585\" name=\"_mf_344241_8430\" placeholder=\"Nome\" required \/><label for=\"_mf_344241_8430_225706585\" class=\"form-label\">Nome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344241_7950_3794961470\" name=\"_mf_344241_7950\" placeholder=\"\u00daltimo Nome\" required \/><label for=\"_mf_344241_7950_3794961470\" class=\"form-label\">\u00daltimo Nome <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_344241_6828_1847580937\" name=\"_mf_344241_6828\" placeholder=\"E-mail\" required \/><label for=\"_mf_344241_6828_1847580937\" class=\"form-label\">E-mail <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_344241_448_1209654863\" name=\"_mf_344241_448\" placeholder=\"Empresa \/ Organiza\u00e7\u00e3o\" required \/><label for=\"_mf_344241_448_1209654863\" class=\"form-label\">Empresa \/ Organiza\u00e7\u00e3o <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Informa\u00e7\u00e3o inv\u00e1lida<\/div><\/div>\t\t<div class=\"mf_field mf_field--country mf_field--select floating form-country-select-parent mf-required\">\n\n\t\t\t<label for=\"_mf_344241_7028_3647401318\" class=\"floating__label form-country-select-label\" data-content=\"Pa\u00eds\">\n\t\t\t\t<span class=\"floating-label-content\">Pa\u00eds<\/span>\n\t\t\t<\/label>\n\n\t\t\t<div class=\"select-wrap\">\n<i class=\"icon icon-zodiak-chevron-down\"><\/i>\n\t\t\t\t<select id=\"_mf_344241_7028_3647401318\" class=\"mf_field__input empty mf-country-selectbox form_country_select\" name=\"_mf_344241_7028\" data-validate=\"select\" required>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"\"  selected='selected'>Pa\u00eds<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AF\" >Afeganist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AL\" >Alb\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DE\" >Alemanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AD\" >Andorra<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AO\" >Angola<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AI\" >Anguila<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AN\" >Antilhas Holandesas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AQ\" >Ant\u00e1rtida<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AG\" >Ant\u00edgua e Barbuda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AR\" >Argentina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DZ\" >Arg\u00e9lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AM\" >Arm\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AW\" >Aruba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SA\" >Ar\u00e1bia Saudita<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AU\" >Austr\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AZ\" >Azerbaij\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BS\" >Bahamas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BH\" >Bahrein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BD\" >Bangladesh<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BB\" >Barbados<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BZ\" >Belize<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BJ\" >Benin<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BM\" >Bermudas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BY\" >Bielorr\u00fassia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BO\" >Bol\u00edvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BW\" >Botsuana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BR\" >Brasil<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BN\" >Brunei Darussalam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BG\" >Bulg\u00e1ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BF\" >Burkina Faso<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BI\" >Burundi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BT\" >But\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BE\" >B\u00e9lgica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BA\" >B\u00f3snia e Herzegovina<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CV\" >Cabo Verde<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CM\" >Camar\u00f5es<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KH\" >Camboja<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CA\" >Canad\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"QA\" >Catar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KZ\" >Cazaquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TD\" >Chade<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CL\" >Chile<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CN\" >China<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CY\" >Chipre<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CO\" >Col\u00f4mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KM\" >Comores<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CG\" >Congo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CD\" >Congo, Rep\u00fablica Democr\u00e1tica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KR\" >Coreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CR\" >Costa Rica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CI\" >Costa do Marfim<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HR\" >Cro\u00e1cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CU\" >Cuba<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DK\" >Dinamarca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DJ\" >Djibouti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DM\" >Dominica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EG\" >Egito<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SV\" >El Salvador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AE\" >Emirados \u00c1rabes Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EC\" >Equador<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ER\" >Eritreia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SK\" >Eslov\u00e1quia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SI\" >Eslov\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ES\" >Espanha<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"US\" >Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EE\" >Est\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ET\" >Eti\u00f3pia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RU\" >Federa\u00e7\u00e3o Russa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FJ\" >Fiji<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PH\" >Filipinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FI\" >Finl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FR\" >Fran\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GA\" >Gab\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GH\" >Gana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GE\" >Ge\u00f3rgia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GS\" >Ge\u00f3rgia do Sul e Ilhas Sandwich do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GI\" >Gibraltar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GD\" >Granada<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GL\" >Groenl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GR\" >Gr\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GP\" >Guadalupe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GU\" >Guam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GT\" >Guatemala<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GG\" >Guernsey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GY\" >Guiana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GF\" >Guiana Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GN\" >Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GQ\" >Guin\u00e9 Equatorial<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GW\" >Guin\u00e9-Bissau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GM\" >G\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HT\" >Haiti<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HN\" >Honduras<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HK\" >Hong Kong<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HU\" >Hungria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BV\" >Ilha Bouvet<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CX\" >Ilha Christmas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"HM\" >Ilha Heard e Ilhas McDonald<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NF\" >Ilha Norfolk<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IM\" >Ilha de Man<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AX\" >Ilhas Aland<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KY\" >Ilhas Cayman<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CC\" >Ilhas Cocos (Keeling)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CK\" >Ilhas Cook<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FK\" >Ilhas Falkland (Malvinas)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FO\" >Ilhas Faroe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MP\" >Ilhas Marianas do Norte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MH\" >Ilhas Marshall<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UM\" >Ilhas Menores Distantes dos Estados Unidos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SB\" >Ilhas Salom\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TC\" >Ilhas Turks e Caicos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VG\" >Ilhas Virgens Brit\u00e2nicas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VI\" >Ilhas Virgens dos EUA<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ID\" >Indon\u00e9sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IQ\" >Iraque<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IE\" >Irlanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IR\" >Ir\u00e3, Rep\u00fablica Isl\u00e2mica do<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IS\" >Isl\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IL\" >Israel<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IT\" >It\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YE\" >I\u00e9men<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LY\" >Jamahiriya \u00c1rabe L\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JM\" >Jamaica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JP\" >Jap\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JE\" >Jersey<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"JO\" >Jord\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KI\" >Kiribati<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KW\" >Kuwait<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LS\" >Lesoto<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LV\" >Let\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LR\" >Lib\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LI\" >Liechtenstein<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LT\" >Litu\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LU\" >Luxemburgo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LB\" >L\u00edbano<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MO\" >Macau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MK\" >Maced\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MG\" >Madag\u00e1scar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MW\" >Malawi<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MV\" >Maldivas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ML\" >Mali<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MT\" >Malta<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MY\" >Mal\u00e1sia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MA\" >Marrocos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MQ\" >Martinica<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MR\" >Maurit\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MU\" >Maur\u00edcio<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"YT\" >Mayotte<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MM\" >Mianmar<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"FM\" >Micron\u00e9sia, Estados Federados da<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MD\" >Mold\u00e1via<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MN\" >Mong\u00f3lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ME\" >Montenegro<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MS\" >Montserrat<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MZ\" >Mo\u00e7ambique<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MX\" >M\u00e9xico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MC\" >M\u00f4naco<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NA\" >Nam\u00edbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NR\" >Nauru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NP\" >Nepal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NI\" >Nicar\u00e1gua<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NG\" >Nig\u00e9ria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NU\" >Niue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NO\" >Noruega<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NC\" >Nova Caled\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NZ\" >Nova Zel\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NE\" >N\u00edger<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"OM\" >Om\u00e3<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PW\" >Palau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PA\" >Panam\u00e1<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PG\" >Papua-Nova Guin\u00e9<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PK\" >Paquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PY\" >Paraguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"NL\" >Pa\u00edses Baixos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PE\" >Peru<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PN\" >Pitcairn<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PF\" >Polin\u00e9sia Francesa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PL\" >Pol\u00f4nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PR\" >Porto Rico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PT\" >Portugal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KG\" >Quirguist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KE\" >Qu\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"GB\" >Reino Unido<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CF\" >Rep\u00fablica Centro-Africana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LA\" >Rep\u00fablica Democr\u00e1tica Popular do Laos<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"DO\" >Rep\u00fablica Dominicana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CZ\" >Rep\u00fablica Tcheca<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SY\" >Rep\u00fablica \u00c1rabe S\u00edria<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RE\" >Reuni\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RO\" >Rom\u00eania<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RW\" >Ruanda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"EH\" >Saara Ocidental<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PM\" >Saint Pierre e Miquelon<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WS\" >Samoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"AS\" >Samoa Americana<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SM\" >San Marino<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SH\" >Santa Helena<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LC\" >Santa L\u00facia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VA\" >Santa S\u00e9 (Estado da Cidade do Vaticano)<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SC\" >Seicheles<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SN\" >Senegal<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SL\" >Serra Leoa<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SG\" >Singapura<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SO\" >Som\u00e1lia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"LK\" >Sri Lanka<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SZ\" >Suazil\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SD\" >Sud\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SR\" >Suriname<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SE\" >Su\u00e9cia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"CH\" >Su\u00ed\u00e7a<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"SJ\" >Svalbard e Jan Mayen<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"BL\" >S\u00e3o Bartolomeu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"KN\" >S\u00e3o Crist\u00f3v\u00e3o e Nevis<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"MF\" >S\u00e3o Martinho<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ST\" >S\u00e3o Tom\u00e9 e Pr\u00edncipe<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VC\" >S\u00e3o Vicente e Granadinas<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"RS\" >S\u00e9rvia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TH\" >Tail\u00e2ndia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TW\" >Taiwan<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TJ\" >Tajiquist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TZ\" >Tanz\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"IO\" >Territ\u00f3rio Brit\u00e2nico do Oceano \u00cdndico<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"PS\" >Territ\u00f3rio Palestino Ocupado<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TF\" >Territ\u00f3rios Franceses do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TL\" >Timor-Leste<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TG\" >Togo<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TK\" >Tokelau<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TO\" >Tonga<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TT\" >Trinidad e Tobago<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TN\" >Tun\u00edsia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TM\" >Turcomenist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TR\" >Turquia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"TV\" >Tuvalu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UA\" >Ucr\u00e2nia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UG\" >Uganda<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UY\" >Uruguai<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"UZ\" >Uzbequist\u00e3o<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VU\" >Vanuatu<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VE\" >Venezuela<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"VN\" >Viet Nam<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"WF\" >Wallis e Futuna<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZW\" >Zimb\u00e1bue<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZM\" >Z\u00e2mbia<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option value=\"ZA\" >\u00c1frica do Sul<\/option>\n\t\t\t\t\t\t\t\t\t\t\t<option 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essencial.<\/p>\n","protected":false},"author":588,"featured_media":634578,"template":"","meta":{"cg_dt_proposed_to":[],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":false,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":0,"primary_term":"","featured_focal_points":""},"tags":[128],"research-and-insight-type":[73],"theme":[],"brand":[80],"service":[],"industry":[51],"partners":[],"content-group":[],"class_list":["post-645986","research-and-insight","type-research-and-insight","status-publish","has-post-thumbnail","hentry","tag-open-insurance","research-and-insight-type-report","brand-capgemini","industry-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin 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