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La globalización y la necesidad de abrir nuevos mercados por la crisis del negocio doméstico han empujado a muchas compañías, grandes y pequeñas, a tener una vocación multinacional. Eso significa enviar un número creciente de personal a otros países o contar con un grupo de trabajadores en gira permanente. A medida que las empresas amplían su radio de acción, hay más probabilidades de que sus empleados desembarquen en países con inestabilidad política y donde la inseguridad es mayor (secuestros, extorsiones, robos). Además, en muchas zonas hay infraestructuras sanitarias poco desarrolladas, lo que aumenta el riesgo en caso de enfermedad.
En este entorno cobra cada vez más importancia lo que en la jerga anglosajona se conoce como duty of care. La protección del expatriado es una responsabilidad legal de las compañías. Esta práctica, basada en una planificación integral de las necesidad de los trabajadores y la contratación de pólizas para contingencias, está muy arraigada en otras latitudes. En España, sin embargo, todavía está poco desarrollada, con las inseguridad que ello supone para los trabajadores y las posibles consecuencias para las empresas en forma de costosos pleitos y daños a su reputación.
“El duty of care es un compromiso más moral que legal. Una empresa puede ganar un juicio, pero ¿con qué cara va el directivo a explicárselo a la viuda?”, señala Rafael Barrilero, socio de Mercer. Este experto cree que las empresas españolas, cuando se internacionalizan, analizan muy bien las peculiaridades del país de destino desde el punto de vista laboral o fiscal, pero dedican poco tiempo a examinar los posibles riesgos a los que se pueden enfrentar sus trabajadores. “En las grandes multinacionales extranjeras el cuidado de los expatriados está muy interiorizado y se ofrecen coberturas importantes en salud para que el empleado tenga las mismas coberturas que en origen”, añade.
Esta visión pesimista sobre la protección del expatriado español es compartida por Manuel López, consejero delegado de Intermundial: “No veo un gran nivel de concienciación. Las empresas siempre dejan este asunto en manos de terceros. ‘Ya se ocupará alguien’, se suele decir”. Ignacio Camell, responsable de accidentes de AIG para el sur de Europa, incide en esta falta de sensibilidad: “En la mayoría de las compañías el departamento que se encarga de este asunto es Recursos Humanos. Sin embargo, la gestión del expatriado es una tarea muy compleja. Si dentro de la organización no hay nadie especializado, lo mejor es externalizar este asunto a terceros”.
LA DOBLE CARA DE LA TECNOLOGÍA
El avance tecnológico es un gran aliado de las compañías especializadas en ofrecer pólizas para proteger a los expatriados. Desarrollos como la geolocalización facilitan un seguimiento fiable de los trabajadores desplazados a zonas conflictivas. “La tecnología es una ventaja, pero también un riesgo”, reconoce Eduardo Guinea, de AIG. “Determinados programas pueden dejar rastro público de nuestros empleados, que pueden ser usados por terceros. Hay que asesorar a las compañías acerca de cómo deben compartir la información”, añade.
Al margen de los seguros para situaciones de crisis que afectan a sus trabajadores en el exterior, los expertos también creen que es fundamental que las compañías se involucren creando, por ejemplo, una “cultura corporativa del expatriado”. “Sería bueno que las empresas implantaran un cuerpo diplomático de expatriados, formado por trabajadores con amplia experiencia, que pudiera operar de manera itinerante por todos los países donde la compañía tiene intereses”, dice Ignacio Camell, también de AIG. Rafael Barrilero resume el espíritu del duty of care: “No basta con cubrir el expediente. Cuando pasa algo es tremendamente dañino para la imagen corporativa. Además, una buena protección del empleado es factible a un coste razonable”.
La necesidad de tener expatriados no es ya exclusiva de las grandes empresas del Ibex 35. Cada vez más pymes tienen un perfil internacional. Estas pequeñas compañías, que representan más del 90% del tejido empresarial español, no suelen tener planes para cubrir los riesgos de sus empleados en el extranjero. “En la mayoría de los casos eso es así por desconocimiento”, apunta Eduardo Guinea, especialista en riesgos de AIG. “Hay que hacer una labor de pedagogía y explicarles que cuando salen fuera deben valorar no solo las oportunidades, sino también los riesgos. En este sentido, las aseguradoras ofrecemos muchos servicios de prevención”, añade.
Numerosas organizaciones todavía confían en la protección que ofrecen las tarjetas de crédito corporativas y desconocen que muchas de ellas, transcurridos 30 días en el exterior, dejan de tener cobertura en caso de accidente, por ejemplo. “Actualmente, en el mercado se pueden encontrar pólizas de seguro para los expatriados muy completas. El coste dependerá del país de destino y los riesgos asegurados, pero podríamos hablar de una horquilla que oscilaría entre los 1.000 y los 3.000 euros anuales”, según Manuel López.
La cobertura de los expatriados se ha convertido en una herramienta para atraer y retener el talento en las compañías. Muchos trabajadores valoran tanto su seguridad como la de sus familiares al viajar a otro país. “Cuando una empresa se internacionaliza tiene que convencer a un grupo de empleados para que hagan las maletas”, explica Camell. “A medida que una compañía se establece en otro país desplaza no solo a los altos directivos sino a ejecutivos de segundo nivel. Éstos, con un sueldo menor que la alta dirección, valoran mucho el paquete de cobertura que le ofrecen para su mujer e hijos. Otro aspecto que quieren tener bien atado es qué va a pasar cuando llegue el momento de la repatriación. Las estadísticas dicen que un 28% de los trabajadores rescinden su contrato cuando vuelven a su país”, advierte.
Pólizas especiales
Las coberturas generales de las pólizas para expatriados suelen incluir servicios como asistencia en viaje y la póliza de salud con gastos sanitarios. Además, algunos seguros incluyen pólizas específicas como la de secuestro y rescate. Esta última, sin embargo, está prohibida en cinco países (Portugal, Italia, Singapur, Colombia y Venezuela), ya que los reguladores locales consideran que en realidad, lo que se está haciendo es cubrir un delito y beneficiar a los extorsionadores.
“En muchas ocasiones, las empresas se centran en proteger a sus expatriados, pero descuidan las coberturas para los trabajadores locales que contratan. Estos empleados también quedan bajo la responsabilidad de las empresas. Las bandas locales, si enteras que trabajan para una multinacional, suelen elegirlos como objetivo debido a su menor nivel de protección”, subraya Eduardo Guinea.
El mercado africano es un punto de atracción para las empresas de países desarrollados, principalmente para grupos de consumo y materias primas. “Aquí es donde quizás sea más importante la contratación de seguros para expatriados. Hay que conocer el país de destino para establecer medidas de seguridad porque a posteriori es muy difícil”, concluye Barrilero.
Via: elpais.com
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