{"id":521558,"date":"2025-04-21T09:43:01","date_gmt":"2025-04-21T09:43:01","guid":{"rendered":"https:\/\/www.capgemini.com\/mx-es\/?post_type=research-and-insight&#038;p=521558"},"modified":"2025-12-05T15:50:57","modified_gmt":"2025-12-05T15:50:57","slug":"informe-mundial-sobre-seguros-de-danos","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/mx-es\/insights\/biblioteca-de-investigacion\/informe-mundial-sobre-seguros-de-danos\/","title":{"rendered":"Informe mundial sobre seguros de da\u00f1os 2025"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source 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src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_Webpage-hero-banner-2880x1800-1.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:79% 57.99999999999999%\" 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\">Digital transformation<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Informe mundial sobre seguros de da\u00f1os 2025<\/h1><\/div><div class=\"inner-row-insight download-btn\"><\/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\/?post_type=research-and-insight&amp;p=835951\" 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\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" 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\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=835951&amp;text=World%20Payments%20Report%202022\" 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<h2 class=\"wp-block-heading\" id=\"h-el-rapido-envejecimiento-de-la-poblacion-mundial-transformara-la-industria-global-de-seguros-de-danos-para-2050\">El r\u00e1pido envejecimiento de la poblaci\u00f3n mundial transformar\u00e1 la industria global de seguros de da\u00f1os para 2050<\/h2>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-\"><\/h4>\n\n\n\n<p><\/p>\n\n\n\n<p>Se est\u00e1 produciendo una transformaci\u00f3n demogr\u00e1fica sin precedentes con la poblaci\u00f3n mundial en camino a alcanzar los 9,660 millones de personas para 2050. Por primera vez en la historia, las personas mayores superar\u00e1n en n\u00famero a los j\u00f3venes para 2050, excluyendo a una \u00c1frica relativamente joven. La poblaci\u00f3n mundial mayor de 60 a\u00f1os crecer\u00e1 un 72%, mientras que la poblaci\u00f3n menor de 20 a\u00f1os disminuir\u00e1 un 16%. Esta transici\u00f3n hist\u00f3rica exigir\u00e1 nuevos modelos de negocio y el sector de seguros de da\u00f1os deber\u00e1 transformarse en cuanto a riesgo, protecci\u00f3n y prestaci\u00f3n de servicios.<sup>1<\/sup><\/p>\n\n\n\n<p>El Informe mundial sobre seguros de da\u00f1os 2025 refleja las opiniones de 5,016 clientes de seguros de da\u00f1os en 13 pa\u00edses, as\u00ed como la informaci\u00f3n obtenida a partir de entrevistas con 2,74 ejecutivos l\u00edderes de compa\u00f1\u00edas de seguros de da\u00f1os en 15 mercados. Ambas investigaciones recopilaron informaci\u00f3n de todas las regiones del mundo: Am\u00e9rica, Europa y Asia-Pac\u00edfico. Adem\u00e1s, el informe incluye informaci\u00f3n sobre pron\u00f3sticos macroecon\u00f3micos elaborados por un destacado analista macroecon\u00f3mico mundial.<\/p>\n\n\n\n<p>Los hallazgos incluyen:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Las aseguradoras de seguros de da\u00f1os se enfrentan a un mundo transformado por el r\u00e1pido envejecimiento de la poblaci\u00f3n, que est\u00e1 transformando el panorama de riesgos y los modelos de negocio del sector, desafiando las estrategias de mercado, los modelos de rentabilidad y la oferta de productos establecidos.<\/li>\n\n\n\n<li>Los cambios demogr\u00e1ficos difuminan los l\u00edmites entre los riesgos personales y comerciales, creando nuevos desaf\u00edos y oportunidades de cobertura.<\/li>\n\n\n\n<li>Obtener una ventaja competitiva en este panorama cambiante requiere equilibrar la rentabilidad a corto plazo con la preparaci\u00f3n a largo plazo en tres dimensiones fundamentales: posicionamiento estrat\u00e9gico, ejecuci\u00f3n del modelo operativo y gobernanza del riesgo.<\/li>\n<\/ul>\n\n\n\n<p>Para afrontar con \u00e9xito los retos de la industria aseguradora en este panorama transformado, se requerir\u00e1 una evoluci\u00f3n continua, no una transformaci\u00f3n puntual. Las aseguradoras deben adoptar un enfoque multi-horizonte que equilibre las acciones y el rendimiento inmediatos con una visi\u00f3n y un posicionamiento a largo plazo. Para prosperar, las aseguradoras tambi\u00e9n deben adaptar sus estrategias, optimizar sus modelos operativos, fortalecer sus capacidades de gesti\u00f3n de riesgos e invertir el capital estrat\u00e9gicamente.<\/p>\n\n\n\n<div class=\"wp-block-cg-blocks-cta-popin-form\"><section class=\"cta-popin-form-block\"><div class=\"container\"><div class=\"cta-popin-btn-wrapper cta-popin-btn-align-left\"><a class=\"cta-popin-btn  \" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2025\/04\/WPCIR_2025_Weblock-Version_2MB.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" aria-label=\"Descargar reporte ahora\" tabindex=\"0\">Descargar reporte ahora<\/a><\/div><\/div><\/section><\/div>\n\n\n\n<div style=\"height:2px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-call-to-action undefined is-style-cg-secondary-3 call-to-action-block\"><div class=\"container\"><div class=\"call-to-action-block-content-wrapper no-description\"><div class=\"text-wrapper no-description\"><h3 class=\"title\" data-maxlength=\"144\">INFORME MUNDIAL SOBRE SEGUROS DE DA\u00d1OS 2025: ASPECTOS DESTACADOS<\/h3> <\/div><div class=\"button-wrapper no-description\"><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active opened\"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"true\" aria-expanded=\"true\"><h3 class=\"expander-heading-title\">Highlight 1<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">La evoluci\u00f3n demogr\u00e1fica en 2050<\/p><\/div><div class=\"expander-content\"><p>Las previsiones macroecon\u00f3micas de un destacado analista revelan que el aumento de la tasa de dependencia (26% para 2050, frente al 16% actual) y la creciente urbanizaci\u00f3n (casi el 70% para 2050, frente al 58% actual) est\u00e1n impulsando una concentraci\u00f3n de riesgos sin precedentes. Estos cambios est\u00e1n transformando el panorama de riesgos para las aseguradoras de da\u00f1os, impactando la utilizaci\u00f3n de propiedades, los patrones de movilidad, la exposici\u00f3n a responsabilidades y la frecuencia de siniestros de maneras que desaf\u00edan los modelos actuariales tradicionales.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpcir25-fig1\"><\/embedded>\r\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Highlight 2<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Proyecciones de primas globales de seguros para 2050<\/p><\/div><div class=\"expander-content\"><p>La evoluci\u00f3n de los paradigmas de riesgo est\u00e1 transformando el crecimiento de las primas hasta 2050. A medida que la poblaci\u00f3n envejece a diferentes ritmos, las oportunidades del mercado cambian. Se proyecta que los ramos comerciales crecer\u00e1n un 4.4% anual, superando al de los ramos personales, que crecieron un 3.3 %. Estos cambios influir\u00e1n de forma crucial en seguros de autom\u00f3viles, da\u00f1os y responsabilidad civil.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpcir25-fig2\"><\/embedded>\r\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Highlight 3<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">Priorizar estrategias con plazos concretos para afrontar los cambios demogr\u00e1ficos globales<\/p><\/div><div class=\"expander-content\"><p>La hoja de ruta para afrontar la transformaci\u00f3n demogr\u00e1fica requiere prioridades claras en tres horizontes temporales y cuatro pilares fundamentales: estrategia y operaciones, gesti\u00f3n de riesgos, productos personales y responsabilidad civil comercial. Al centrarse hoy en acciones que no generen arrepentimiento, las aseguradoras pueden prepararse mejor para el largo plazo, pasando de las tradicionales iniciativas de transformaci\u00f3n puntuales a una evoluci\u00f3n continua y adaptativa.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpcir25-fig3\"><\/embedded>\r\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Highlight 4<\/h3><\/div><div class=\"expander-subtitle\"><p class=\"small-description\">La madurez de la capacidad de las aseguradoras en toda la cadena de valor sigue siendo limitada<\/p><\/div><div class=\"expander-content\"><p>Seg\u00fan nuestra encuesta a Ejecutivos Globales de Seguros, si bien las aseguradoras reconocen la importancia de tecnolog\u00edas cruciales como la suscripci\u00f3n avanzada, la IA generativa y el an\u00e1lisis de datos en tiempo real, pocas han desarrollado capacidades maduras. Invertir en estas tecnolog\u00edas para reevaluar la estrategia, optimizar los modelos operativos y fortalecer la gesti\u00f3n de riesgos impulsar\u00e1 mejoras inmediatas y capacitar\u00e1 a las aseguradoras para abordar las cuestiones fundamentales que determinar\u00e1n el \u00e9xito al abordar los cambios demogr\u00e1ficos a largo plazo.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<embedded report=\"@capgemini\/wpcir25-fig4\"><\/embedded>\r\n<script src=\"https:\/\/www.rationalbi.com\/d\/embedded\"><\/script>\n<div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Lecturas adicionales<\/h2><\/div><p><\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Ver el Informe mundial sobre seguros de da\u00f1os de a\u00f1os anteriores<\/h3><\/div><div class=\"expander-content\"><p><a href=\"\/mx-es\/insights\/biblioteca-de-investigacion\/informe-mundial-sobre-seguros-de-danos-2024\/\" target=\"_blank\" rel=\"noreferrer noopener\">Informe mundial sobre seguros de da\u00f1os 2024<\/a><br><a href=\"\/mx-es\/insights\/biblioteca-de-investigacion\/informe-mundial-de-seguros-de-propiedad-y-casuality-2023\/\" target=\"_blank\" rel=\"noreferrer noopener\">Informe mundial sobre seguros de da\u00f1os 2023<\/a><br><span style=\"font-size: 1rem; letter-spacing: 0.4px;\"><\/span><\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">NOTAS FINALES<\/h3><\/div><div class=\"expander-content\"><p><sup>1 <\/sup>An\u00e1lisis del Instituto de Investigaci\u00f3n de Servicios Financieros de Capgemini de Oxford Economics, 2025<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">DESCARGOS DE RESPONSABILIDAD\/RECONOCIMIENTOS<\/h3><\/div><div class=\"expander-content\"><p>La informaci\u00f3n de este informe es general y no constituye asesoramiento legal, fiscal, de inversi\u00f3n, financiero ni profesional. Capgemini no asume ninguna responsabilidad por errores u omisiones ni por el uso de este material. Este informe tiene fines meramente informativos y podr\u00eda no satisfacer sus necesidades espec\u00edficas. Capgemini no se responsabiliza de las imprecisiones en la traducci\u00f3n y proporciona la informaci\u00f3n &#8220;tal cual&#8221;, sin garant\u00edas. Capgemini no se responsabiliza de ninguna p\u00e9rdida derivada de la confianza depositada en esta informaci\u00f3n.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<section class=\"wp-block-cg-blocks-wrapper-card-related-capabilities undefined card-related-capability\"><div class=\"cardelatedBgShape\"><\/div><div class=\"container\"><div class=\"contentTitle\"><h2 data-maxlength=\"34\" class=\"capabilities-heading\"><br>Explora nuestros servicios<\/h2><\/div><div class=\"row\">\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2021\/08\/Capgemini_Industries-Insurance-e1649147468324.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Seguros\" href=\"\/mx-es\/sectores\/seguros\/\" target=\"\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Seguros<\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/01\/PC-Insurance-Industry-Web-Banner-2880x1800-1.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/01\/PC-Insurance-Industry-Web-Banner-2880x1800-1.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/01\/PC-Insurance-Industry-Web-Banner-2880x1800-1.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Seguro de da\u00f1os \" href=\"\/mx-es\/sectores\/seguros\/seguros-de-bienes-y-accidentes\/\" target=\"\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Seguro de da\u00f1os <\/h3><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-related-capabilities col-md-4 gridbox card-block\"><div class=\"box box--1 capblock\"><div class=\"box-img-wrapper\"><div class=\"img-ratio\"><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=500&amp;quality=70\" srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=500&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/05\/Smart-Underwriting-banner-2880x1800px.jpg?w=1000&amp;quality=70 2x\" class=\"box-img\" alt=\"\" style=\"object-fit:cover;object-position:50% 50%\" loading=\"lazy\"\/><\/div><\/div><div class=\"box-inner\"><a class=\"box-title\" aria-label=\"Suscripci\u00f3n inteligente\" href=\"\/mx-es\/solutions\/suscripcion-inteligente\/\" target=\"\" rel=\"noopener noreferrer\" title=\"opens in a new window\"><h3 class=\"card-subtitle\">Suscripci\u00f3n inteligente<\/h3><\/a><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n<section class=\"latest-insights layout-odd layout-one-card-only \"><div class=\"container\"><div class=\"insight-title\"><h2 class=\"latest-insight-title\">Investigaci\u00f3n y Conocimiento<\/h2><\/div><div class=\"layout-single-card\">\n                      <div class=\"row align-items-center w-lg-100\">\n                        <div class=\"card-image-wrapper\">\n                                <div class=\"card-image\" data-image-url=\"https:\/\/www.capgemini.com\/mx-es\/insights\/biblioteca-de-investigacion\/principales-tendencias-del-seguro-de-danos-en-2025\/\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<picture>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/mx-es\/wp-content\/uploads\/sites\/28\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg?w=2048&#038;quality=70 1x, https:\/\/www.capgemini.com\/mx-es\/wp-content\/uploads\/sites\/28\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg?w=2048&#038;quality=70 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768px)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<source srcset=\"https:\/\/www.capgemini.com\/mx-es\/wp-content\/uploads\/sites\/28\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg?w=500&#038;quality=70 1x, https:\/\/www.capgemini.com\/mx-es\/wp-content\/uploads\/sites\/28\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg?w=1000&#038;quality=70 2x\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tmedia=\"(min-width: 0)\"\/>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/mx-es\/wp-content\/uploads\/sites\/28\/2025\/01\/PC-Landing-page-banner_2880x1800_06.jpg\" alt=\"\" style=\"object-position: 50% 50%; object-fit: cover;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/picture>\n                                <\/div>\n                            <\/div>\n                            <div class=\"col-12 col-md-5 col-lg-7\"><\/div>\n                        <div class=\"col-12 col-md-7 col-lg-5\">\n          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src=\"https:\/\/www.capgemini.com\/mx-es\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\">\n                                <\/div>\n                            <\/div>\n                            <\/a>\n                        <\/div>\n                     <\/div>\n                    <\/div><\/div><\/section>","protected":false},"excerpt":{"rendered":"<p>Informe mundial sobre seguros de da\u00f1os 2025<\/p>\n","protected":false},"author":367,"featured_media":1000001117395,"template":"","meta":{"cg_dt_proposed_to":[9,25],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"1429764a-7031-4971-88f6-2267925e1812\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":false,"cg_dt_link_disabled":true,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":310,"primary_term":"Digital 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