{"id":2670,"date":"2021-05-11T13:50:17","date_gmt":"2021-05-11T13:50:17","guid":{"rendered":"https:\/\/www.fundacionadecose.com\/?p=2670"},"modified":"2022-11-03T12:30:51","modified_gmt":"2022-11-03T12:30:51","slug":"conceptos-basicos-del-seguro-riesgo-prima-y-poliza","status":"publish","type":"post","link":"https:\/\/www.fundacionadecose.com\/ca\/conceptos-basicos-del-seguro-riesgo-prima-y-poliza\/","title":{"rendered":"Conceptos b\u00e1sicos del seguro: riesgo, prima y p\u00f3liza"},"content":{"rendered":"[vc_row type=\u00bbin_container\u00bb full_screen_row_position=\u00bbmiddle\u00bb column_margin=\u00bbdefault\u00bb column_direction=\u00bbdefault\u00bb column_direction_tablet=\u00bbdefault\u00bb column_direction_phone=\u00bbdefault\u00bb scene_position=\u00bbcenter\u00bb text_color=\u00bbdark\u00bb text_align=\u00bbleft\u00bb row_border_radius=\u00bbnone\u00bb row_border_radius_applies=\u00bbbg\u00bb overlay_strength=\u00bb0.3&#8243; gradient_direction=\u00bbleft_to_right\u00bb shape_divider_position=\u00bbbottom\u00bb bg_image_animation=\u00bbnone\u00bb][vc_column column_padding=\u00bbno-extra-padding\u00bb column_padding_tablet=\u00bbinherit\u00bb column_padding_phone=\u00bbinherit\u00bb column_padding_position=\u00bball\u00bb background_color_opacity=\u00bb1&#8243; background_hover_color_opacity=\u00bb1&#8243; column_shadow=\u00bbnone\u00bb column_border_radius=\u00bbnone\u00bb column_link_target=\u00bb_self\u00bb gradient_direction=\u00bbleft_to_right\u00bb overlay_strength=\u00bb0.3&#8243; width=\u00bb1\/1&#8243; tablet_width_inherit=\u00bbdefault\u00bb tablet_text_alignment=\u00bbdefault\u00bb phone_text_alignment=\u00bbdefault\u00bb column_border_width=\u00bbnone\u00bb column_border_style=\u00bbsolid\u00bb bg_image_animation=\u00bbnone\u00bb][split_line_heading animation_type=\u00bbdefault\u00bb][\/split_line_heading][\/vc_column][\/vc_row][vc_row type=\u00bbin_container\u00bb full_screen_row_position=\u00bbmiddle\u00bb column_margin=\u00bbdefault\u00bb column_direction=\u00bbdefault\u00bb column_direction_tablet=\u00bbdefault\u00bb column_direction_phone=\u00bbdefault\u00bb scene_position=\u00bbcenter\u00bb text_color=\u00bbdark\u00bb text_align=\u00bbleft\u00bb row_border_radius=\u00bbnone\u00bb row_border_radius_applies=\u00bbbg\u00bb overlay_strength=\u00bb0.3&#8243; gradient_direction=\u00bbleft_to_right\u00bb shape_divider_position=\u00bbbottom\u00bb bg_image_animation=\u00bbnone\u00bb][vc_column column_padding=\u00bbno-extra-padding\u00bb column_padding_tablet=\u00bbinherit\u00bb column_padding_phone=\u00bbinherit\u00bb column_padding_position=\u00bball\u00bb background_color_opacity=\u00bb1&#8243; background_hover_color_opacity=\u00bb1&#8243; column_shadow=\u00bbnone\u00bb column_border_radius=\u00bbnone\u00bb column_link_target=\u00bb_self\u00bb gradient_direction=\u00bbleft_to_right\u00bb overlay_strength=\u00bb0.3&#8243; width=\u00bb1\/1&#8243; tablet_width_inherit=\u00bbdefault\u00bb tablet_text_alignment=\u00bbdefault\u00bb phone_text_alignment=\u00bbdefault\u00bb column_border_width=\u00bbnone\u00bb column_border_style=\u00bbsolid\u00bb bg_image_animation=\u00bbnone\u00bb][vc_column_text]Muchas veces o\u00edmos hablar de la falta de <strong>cultura financiera<\/strong>, pero muy poco o\u00edmos hablar de la falta de <strong>cultura aseguradora<\/strong>. Ambas cosas, en realidad tan importantes hoy en d\u00eda para cualquier persona -pues en un momento u otro estos conceptos van a entrar en nuestra vida- est\u00e1n olvidadas.<\/p>\n<p>Si es tan conveniente saber lo que es un <strong>pr\u00e9stamo o una hipoteca<\/strong>, un inter\u00e9s fijo o variable referenciado a tal o cual \u00edndice, un fondo de inversi\u00f3n o la tan comentada cl\u00e1usula suelo de las hipotecas; no menos importante -y en cambio mucho m\u00e1s desconocido- es el propio <strong>concepto de seguro<\/strong>. Sin embargo, \u00bfen qu\u00e9 colegios se imparte una asignatura o un seminario?&#8230; El que esto escribe una vez le invitaron a dar una clase a unos adolescentes y parec\u00eda que hablaba de otro mundo.\u00a0 Tiene mucho que ver el lenguaje espec\u00edfico que hemos ido empleando: infraseguro, regla proporcional, primer riesgo, valor de reposici\u00f3n\u2026<\/p>\n<p><strong>Por ponerlo f\u00e1cil<\/strong>: el seguro es una manera de contribuir entre muchos a lo que les pueda ocurrir a muy pocos. As\u00ed de simple. El seguro necesita una entidad que lo organice, llam\u00e9mosle compa\u00f1\u00eda aseguradora o mutua, y que alguien lo comercialice: la propia <strong>entidad aseguradora o un mediador de seguros<\/strong>.[\/vc_column_text][image_with_animation image_url=\u00bb2681&#8243; animation=\u00bbFade In\u00bb hover_animation=\u00bbnone\u00bb alignment=\u00bb\u00bb border_radius=\u00bbnone\u00bb box_shadow=\u00bbnone\u00bb image_loading=\u00bbdefault\u00bb max_width=\u00bb100%\u00bb max_width_mobile=\u00bbdefault\u00bb][\/vc_column][\/vc_row][vc_row type=\u00bbin_container\u00bb full_screen_row_position=\u00bbmiddle\u00bb column_margin=\u00bbdefault\u00bb column_direction=\u00bbdefault\u00bb column_direction_tablet=\u00bbdefault\u00bb column_direction_phone=\u00bbdefault\u00bb scene_position=\u00bbcenter\u00bb text_color=\u00bbdark\u00bb text_align=\u00bbleft\u00bb row_border_radius=\u00bbnone\u00bb row_border_radius_applies=\u00bbbg\u00bb overlay_strength=\u00bb0.3&#8243; gradient_direction=\u00bbleft_to_right\u00bb shape_divider_position=\u00bbbottom\u00bb bg_image_animation=\u00bbnone\u00bb][vc_column column_padding=\u00bbno-extra-padding\u00bb column_padding_tablet=\u00bbinherit\u00bb column_padding_phone=\u00bbinherit\u00bb column_padding_position=\u00bball\u00bb background_color_opacity=\u00bb1&#8243; background_hover_color_opacity=\u00bb1&#8243; column_shadow=\u00bbnone\u00bb column_border_radius=\u00bbnone\u00bb column_link_target=\u00bb_self\u00bb gradient_direction=\u00bbleft_to_right\u00bb overlay_strength=\u00bb0.3&#8243; width=\u00bb1\/1&#8243; tablet_width_inherit=\u00bbdefault\u00bb tablet_text_alignment=\u00bbdefault\u00bb phone_text_alignment=\u00bbdefault\u00bb column_border_width=\u00bbnone\u00bb column_border_style=\u00bbsolid\u00bb bg_image_animation=\u00bbnone\u00bb][split_line_heading animation_type=\u00bbdefault\u00bb]\n<h4><strong>Empecemos por lo b\u00e1sico: el riesgo<\/strong><\/h4>\n[\/split_line_heading][\/vc_column][\/vc_row][vc_row type=\u00bbin_container\u00bb full_screen_row_position=\u00bbmiddle\u00bb column_margin=\u00bbdefault\u00bb column_direction=\u00bbdefault\u00bb column_direction_tablet=\u00bbdefault\u00bb column_direction_phone=\u00bbdefault\u00bb scene_position=\u00bbcenter\u00bb text_color=\u00bbdark\u00bb text_align=\u00bbleft\u00bb row_border_radius=\u00bbnone\u00bb row_border_radius_applies=\u00bbbg\u00bb overlay_strength=\u00bb0.3&#8243; gradient_direction=\u00bbleft_to_right\u00bb shape_divider_position=\u00bbbottom\u00bb bg_image_animation=\u00bbnone\u00bb][vc_column column_padding=\u00bbno-extra-padding\u00bb column_padding_tablet=\u00bbinherit\u00bb column_padding_phone=\u00bbinherit\u00bb column_padding_position=\u00bball\u00bb background_color_opacity=\u00bb1&#8243; background_hover_color_opacity=\u00bb1&#8243; column_shadow=\u00bbnone\u00bb column_border_radius=\u00bbnone\u00bb column_link_target=\u00bb_self\u00bb gradient_direction=\u00bbleft_to_right\u00bb overlay_strength=\u00bb0.3&#8243; width=\u00bb1\/1&#8243; tablet_width_inherit=\u00bbdefault\u00bb tablet_text_alignment=\u00bbdefault\u00bb phone_text_alignment=\u00bbdefault\u00bb column_border_width=\u00bbnone\u00bb column_border_style=\u00bbsolid\u00bb bg_image_animation=\u00bbnone\u00bb][vc_column_text]El componente esencial sobre el que todo esto se sostiene es \u201cel riesgo\u201d. Para que exista el seguro debe existir un riesgo al que la persona est\u00e1 expuesta. Representa una circunstancia que tiene probabilidad de suceder y que el asegurado quiere cubrir econ\u00f3micamente mediante el pago de una prima, es decir, el precio del seguro.<\/p>\n<p>Hay bienes expuestos a mayores o menores riesgos, personas expuestas a mayores o menores riesgos, actividades expuestas a mayores o menores riesgos\u2026 En funci\u00f3n de una cosa u otra <strong>la aseguradora fijar\u00e1 una<\/strong> <strong>prima<\/strong>, es decir, el precio del seguro, a la que a\u00f1adir\u00e1 sus gastos y su margen de beneficio, la comisi\u00f3n del mediador y los impuestos repercutibles en la mayor\u00eda de los casos (que no son IVA, sino IPS, actualmente del 8%); la aportaci\u00f3n al Consorcio de Compensaci\u00f3n de Seguros (CCS) y a la Compa\u00f1\u00eda Liquidadora de Entidades Aseguradoras (CLEA).[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=\u00bbin_container\u00bb full_screen_row_position=\u00bbmiddle\u00bb column_margin=\u00bbdefault\u00bb column_direction=\u00bbdefault\u00bb column_direction_tablet=\u00bbdefault\u00bb column_direction_phone=\u00bbdefault\u00bb scene_position=\u00bbcenter\u00bb text_color=\u00bbdark\u00bb text_align=\u00bbleft\u00bb row_border_radius=\u00bbnone\u00bb row_border_radius_applies=\u00bbbg\u00bb overlay_strength=\u00bb0.3&#8243; gradient_direction=\u00bbleft_to_right\u00bb shape_divider_position=\u00bbbottom\u00bb bg_image_animation=\u00bbnone\u00bb][vc_column column_padding=\u00bbno-extra-padding\u00bb column_padding_tablet=\u00bbinherit\u00bb column_padding_phone=\u00bbinherit\u00bb column_padding_position=\u00bball\u00bb background_color_opacity=\u00bb1&#8243; background_hover_color_opacity=\u00bb1&#8243; column_shadow=\u00bbnone\u00bb column_border_radius=\u00bbnone\u00bb column_link_target=\u00bb_self\u00bb gradient_direction=\u00bbleft_to_right\u00bb overlay_strength=\u00bb0.3&#8243; width=\u00bb1\/1&#8243; tablet_width_inherit=\u00bbdefault\u00bb tablet_text_alignment=\u00bbdefault\u00bb phone_text_alignment=\u00bbdefault\u00bb column_border_width=\u00bbnone\u00bb column_border_style=\u00bbsolid\u00bb bg_image_animation=\u00bbnone\u00bb][split_line_heading animation_type=\u00bbdefault\u00bb]Pero dos riesgos aparentemente iguales &#8211;<strong>pongamos por caso dos almacenes de paja<\/strong>&#8211; en realidad pueden no serlo. Como es muy visual creo que se entender\u00e1 enseguida:<\/p>\n<p>&nbsp;<\/p>\n<h4>El primero est\u00e1 en un descampado sin m\u00e1s protecci\u00f3n que un tejado y al lado de un aserradero; mientras el otro est\u00e1 en las afueras del pueblo, cerrado por cuatro paredes y contiguo a la casa del amo, con una instalaci\u00f3n de detecci\u00f3n de humo y una alarma conectada a una central de seguridad.<\/h4>\n<p>No es lo mismo, \u00bfverdad?[\/split_line_heading][\/vc_column][\/vc_row][vc_row type=\u00bbin_container\u00bb full_screen_row_position=\u00bbmiddle\u00bb column_margin=\u00bbdefault\u00bb column_direction=\u00bbdefault\u00bb column_direction_tablet=\u00bbdefault\u00bb column_direction_phone=\u00bbdefault\u00bb scene_position=\u00bbcenter\u00bb text_color=\u00bbdark\u00bb text_align=\u00bbleft\u00bb row_border_radius=\u00bbnone\u00bb row_border_radius_applies=\u00bbbg\u00bb overlay_strength=\u00bb0.3&#8243; gradient_direction=\u00bbleft_to_right\u00bb shape_divider_position=\u00bbbottom\u00bb bg_image_animation=\u00bbnone\u00bb][vc_column column_padding=\u00bbno-extra-padding\u00bb column_padding_tablet=\u00bbinherit\u00bb column_padding_phone=\u00bbinherit\u00bb column_padding_position=\u00bball\u00bb background_color_opacity=\u00bb1&#8243; background_hover_color_opacity=\u00bb1&#8243; column_shadow=\u00bbnone\u00bb column_border_radius=\u00bbnone\u00bb column_link_target=\u00bb_self\u00bb gradient_direction=\u00bbleft_to_right\u00bb overlay_strength=\u00bb0.3&#8243; width=\u00bb1\/1&#8243; tablet_width_inherit=\u00bbdefault\u00bb tablet_text_alignment=\u00bbdefault\u00bb phone_text_alignment=\u00bbdefault\u00bb column_border_width=\u00bbnone\u00bb column_border_style=\u00bbsolid\u00bb bg_image_animation=\u00bbnone\u00bb][vc_column_text]Otro caso ser\u00eda el de dos gerentes de empresa: uno va del trabajo a casa y de casa al trabajo; y el otro, en cuanto puede, se pone las botas y se va a hacer todos los picos de 4.000 metros del mundo. <strong>Tampoco es lo mismo, \u00bfverdad?<\/strong><\/p>\n<p>Por \u00faltimo, tambi\u00e9n a modo de ejemplo sencillo, el de dos alba\u00f1iles: uno hace remiendos y otro hace derribos, la posibilidad de ocasionarse un da\u00f1o a s\u00ed mismo (seguro de accidentes personales) o a los dem\u00e1s (responsabilidad civil) no es el mismo.<\/p>\n<p><strong>\u00bfQu\u00e9 significa esto?<\/strong><\/p>\n<p>Disponer de la informaci\u00f3n adecuada permite evaluar el riesgo que la aseguradora asume -o no- y, en consecuencia, le permite corregir el precio del seguro, disminuy\u00e9ndolo o aument\u00e1ndolo. Solo as\u00ed podemos asegurar la cobertura efectiva de la p\u00f3liza de seguro.[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=\u00bbin_container\u00bb full_screen_row_position=\u00bbmiddle\u00bb column_margin=\u00bbdefault\u00bb column_direction=\u00bbdefault\u00bb column_direction_tablet=\u00bbdefault\u00bb column_direction_phone=\u00bbdefault\u00bb scene_position=\u00bbcenter\u00bb text_color=\u00bbdark\u00bb text_align=\u00bbleft\u00bb row_border_radius=\u00bbnone\u00bb row_border_radius_applies=\u00bbbg\u00bb overlay_strength=\u00bb0.3&#8243; gradient_direction=\u00bbleft_to_right\u00bb shape_divider_position=\u00bbbottom\u00bb bg_image_animation=\u00bbnone\u00bb][vc_column column_padding=\u00bbno-extra-padding\u00bb column_padding_tablet=\u00bbinherit\u00bb column_padding_phone=\u00bbinherit\u00bb column_padding_position=\u00bball\u00bb background_color_opacity=\u00bb1&#8243; background_hover_color_opacity=\u00bb1&#8243; column_shadow=\u00bbnone\u00bb column_border_radius=\u00bbnone\u00bb column_link_target=\u00bb_self\u00bb gradient_direction=\u00bbleft_to_right\u00bb overlay_strength=\u00bb0.3&#8243; width=\u00bb1\/1&#8243; tablet_width_inherit=\u00bbdefault\u00bb tablet_text_alignment=\u00bbdefault\u00bb phone_text_alignment=\u00bbdefault\u00bb column_border_width=\u00bbnone\u00bb column_border_style=\u00bbsolid\u00bb bg_image_animation=\u00bbnone\u00bb][image_with_animation image_url=\u00bb2732&#8243; animation=\u00bbFade In\u00bb hover_animation=\u00bbnone\u00bb alignment=\u00bb\u00bb border_radius=\u00bbnone\u00bb box_shadow=\u00bbnone\u00bb image_loading=\u00bbdefault\u00bb max_width=\u00bb100%\u00bb max_width_mobile=\u00bbdefault\u00bb][divider line_type=\u00bbNo Line\u00bb][split_line_heading animation_type=\u00bbdefault\u00bb]\n<h4>Conociendo el riesgo la aseguradora sabr\u00e1 si quiere asumirlo o no, y si lo asume lo reflejar\u00e1 en una p\u00f3liza, es decir, el contrato de seguro entre un asegurado y una compa\u00f1\u00eda de seguros que fija unas coberturas, limitaciones y exclusiones que al asegurado le interesar\u00e1 muy especialmente conocer y, si fuera el caso, aceptar, formalizando el contrato y pagando la prima del seguro.<\/h4>\n[\/split_line_heading][\/vc_column][\/vc_row][vc_row type=\u00bbin_container\u00bb full_screen_row_position=\u00bbmiddle\u00bb column_margin=\u00bbdefault\u00bb column_direction=\u00bbdefault\u00bb column_direction_tablet=\u00bbdefault\u00bb column_direction_phone=\u00bbdefault\u00bb scene_position=\u00bbcenter\u00bb text_color=\u00bbdark\u00bb text_align=\u00bbleft\u00bb row_border_radius=\u00bbnone\u00bb row_border_radius_applies=\u00bbbg\u00bb overlay_strength=\u00bb0.3&#8243; gradient_direction=\u00bbleft_to_right\u00bb shape_divider_position=\u00bbbottom\u00bb bg_image_animation=\u00bbnone\u00bb][vc_column column_padding=\u00bbno-extra-padding\u00bb column_padding_tablet=\u00bbinherit\u00bb column_padding_phone=\u00bbinherit\u00bb column_padding_position=\u00bball\u00bb background_color_opacity=\u00bb1&#8243; background_hover_color_opacity=\u00bb1&#8243; column_shadow=\u00bbnone\u00bb column_border_radius=\u00bbnone\u00bb column_link_target=\u00bb_self\u00bb gradient_direction=\u00bbleft_to_right\u00bb overlay_strength=\u00bb0.3&#8243; width=\u00bb1\/4&#8243; tablet_width_inherit=\u00bbdefault\u00bb tablet_text_alignment=\u00bbdefault\u00bb phone_text_alignment=\u00bbdefault\u00bb column_border_width=\u00bbnone\u00bb column_border_style=\u00bbsolid\u00bb bg_image_animation=\u00bbnone\u00bb][image_with_animation image_url=\u00bb2674&#8243; animation=\u00bbFade In\u00bb hover_animation=\u00bbnone\u00bb alignment=\u00bb\u00bb border_radius=\u00bbnone\u00bb box_shadow=\u00bbnone\u00bb image_loading=\u00bbdefault\u00bb max_width=\u00bb100%\u00bb max_width_mobile=\u00bbdefault\u00bb][\/vc_column][vc_column column_padding=\u00bbno-extra-padding\u00bb column_padding_tablet=\u00bbinherit\u00bb column_padding_phone=\u00bbinherit\u00bb column_padding_position=\u00bball\u00bb background_color_opacity=\u00bb1&#8243; background_hover_color_opacity=\u00bb1&#8243; column_shadow=\u00bbnone\u00bb column_border_radius=\u00bbnone\u00bb column_link_target=\u00bb_self\u00bb gradient_direction=\u00bbleft_to_right\u00bb overlay_strength=\u00bb0.3&#8243; width=\u00bb3\/4&#8243; tablet_width_inherit=\u00bbdefault\u00bb tablet_text_alignment=\u00bbdefault\u00bb phone_text_alignment=\u00bbdefault\u00bb column_border_width=\u00bbnone\u00bb column_border_style=\u00bbsolid\u00bb bg_image_animation=\u00bbnone\u00bb][vc_column_text]Informaci\u00f3n ofrecida por <a href=\"https:\/\/urquiabas.com\/\">Urqu\u00eda &amp; Bas Corredur\u00eda de Seguros<\/a>[\/vc_column_text][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row type=\u00bbin_container\u00bb full_screen_row_position=\u00bbmiddle\u00bb column_margin=\u00bbdefault\u00bb column_direction=\u00bbdefault\u00bb 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tablet_text_alignment=\u00bbdefault\u00bb&#8230;<\/p>\n","protected":false},"author":186,"featured_media":2710,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53],"tags":[96],"class_list":["post-2670","post","type-post","status-publish","format-standard","has-post-thumbnail","category-blog-del-broker","tag-urquiabas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Conceptos b\u00e1sicos del seguro: riesgo, prima y p\u00f3liza | Fundaci\u00f3n Adecose<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fundacionadecose.com\/ca\/conceptos-basicos-del-seguro-riesgo-prima-y-poliza\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta 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