Course in Crowdsurance and Digital Mutuality
Online 300-hour course in crowdsurance and digital mutuality. 6 modules covering Law 20/2015 (LOSSEAR, regulation of insurance undertakings and mutual societies), Royal Decree 1060/2015 (ROSSEAR) and advanced Excel. Assigned tutor and enrolment open.
Take the controls.
Run a real engineering trade-off from this field. Move the sliders, watch the model react in real time and beat the challenge.
What you will be able to do
Explain the mutual origins of insurance and its evolution towards digital models.
Design a community insurance model with risk-sharing rules.
Calculate contributions, reserves and surpluses of a mutual fund.
Analyse the legal requirements for operating as a mutual society or through an authorised entity.
Assess the role of technology in the community's trust and transparency.
Identify adverse selection and fraud risks in collaborative schemes.
Develop a viable and compliant integrated crowdsurance project.
Who it's for
- Mutuality and collaborative insurance specialist looking to specialise in Crowdsurance and digital mutuality.
- Actuary for community products looking to specialise in Crowdsurance and digital mutuality.
- Insurtech product manager looking to specialise in Crowdsurance and digital mutuality.
- Insurance regulatory consultant looking to specialise in Crowdsurance and digital mutuality.
- Manager of insured communities looking to specialise in Crowdsurance and digital mutuality.
- P2P business model analyst looking to specialise in Crowdsurance and digital mutuality.
- Graduates in engineering or sciences seeking to enter mutual societies and insurance mutuals.
What you'll work with
- Law 20/2015 (LOSSEAR, regulation of insurance undertakings and mutual societies)
- Royal Decree 1060/2015 (ROSSEAR)
- Directive 2009/138/EC (Solvency II)
- Law 50/1980 on Insurance Contracts
- Directive (EU) 2016/97 (IDD)
- Regulation (EU) 2016/679 (GDPR)
6 modules · 300 h
1.1Mutual principle and risk sharing1.2History of mutual aid societies1.3Mutual society versus limited company1.4Insurance brotherhoods and cooperatives1.5What changes with digitalisation1.6Peer-to-peer models and their logic1.7Benefits perceived by the user1.8Vocabulary and acronyms in the field1.9Limits of community models1.10Exercise: compare two risk-sharing models
2.1Group formation and affinity2.2Contributions, common pool and refunds2.3Retained layer and reinsured layer2.4Adverse selection in small groups2.5Moral hazard and social control2.6Admission and expulsion rules2.7Resolution of disputes between members2.8Transparency of group accounts2.9Minimum scale for sustainability2.10Practice: design the rules of a group
3.1Calculating the contribution and common layer3.2Volatility in small portfolios3.3Need for reinsurance or backing3.4Return of surpluses and its effects3.5Management costs and sustainability3.6Growth and changing risk profile3.7Health indicators of the model3.8Stress scenarios3.9Comparison with traditional insurance3.10Practice: economic model of a collective
4.1When an activity is insurance for legal purposes4.2Authorisation and solvency requirements4.3Intermediation models versus insurer4.4Social provision entities4.5Consumer protection and transparency4.6Fundraising regulations4.7Data protection within the collective4.8Prevention of money laundering4.9Supervision and the risk of operating without authorisation4.10Practice: legal fit analysis of a model
5.1Collective management platform5.2Automation of contributions and payments5.3Transparent recording of decisions5.4Participatory governance and voting5.5Moderation and conflict resolution5.6Communication with the community5.7Prevention of internal fraud5.8Measuring trust and retention5.9Market cases and lessons learned5.10Practice: design the platform's governance
6.1Choice of collective and risk6.2Design of the model rules6.3Economic and actuarial model6.4Regulatory fit analysis6.5Platform and governance design6.6Recruitment and growth plan6.7Health indicators of the model6.8Stress scenarios and contingencies6.9Project report6.10Project defence
How you'll learn
Fully 100 % online study on the SEIUM campus, with downloadable material, recorded classes and an assigned technical tutor. There are no fixed timetables: students progress at their own pace within the intake, which makes it compatible with work.
Each module combines theory, guided reading of the original standard and applied exercises. The working software is Advanced Excel, R (actuarial), Python (pandas), Power BI, in free, academic or evaluation versions. The case studies cover real procedures for modelling a community mutual fund, regulatory feasibility analysis of P2P platforms, and claims simulation by affinity groups. Assessment is continuous per module plus the final integrated project.
Build it end to end
Your final project follows the real engineering workflow, step by step, reviewed by your tutor.
Explain the mutual origins of insurance and its evolution towards digital models.
Design a community insurance model with risk-sharing rules.
Calculate contributions, reserves and surpluses of a mutual fund.
Analyse the legal requirements for operating as a mutual society or through an authorised entity.
Assess the role of technology in the community's trust and transparency.
Where this takes you
Requirements
- No prior qualification required.
- Internet connection and a computer capable of running the programme's software.
- Sufficient Spanish to follow technical regulatory texts.
Ready to start?
Send your application today. Our admissions team replies within 72 hours with your study plan and funding options.
Frequently asked questions
The programme totals 300 hours spread over 3 to 5 months. That is an average of 10 to 15 hours per week, compatible with a full-time job.
The course uses Advanced Excel, R (actuarial), Python (pandas) and Power BI. Free, academic or evaluation versions are used, and the tutor indicates the free alternative where one exists.
An SEIUM own diploma upon passing the continuous assessment and the integrated project. It is in-house training, not an official qualification from the Ministry.
Yes. Modules passed in a course or postgraduate diploma in the same area are recognised in the higher programme. Check the recognition policy when you enrol.
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