Los seguros de vida y el Covid-19
¿El seguro de vida debe pagar una muerte producida por Covid-19? ¿Los seguros de vida cubren el Covid-19?
Los seguros de vida con garantía de defunción
Las aseguradoras llaman cobertura de «fallecimiento» a aquel seguro de vida que habitualmente indemnizan al conyugue y/o a los herederos (beneficiarios) con una cantidad de dinero pactada tras la muerte de la persona asegurada. Estos seguros sirven para intentar «compensar» de algún modo la pérdida económica o los ingresos que generaba esa persona.
Obviamente es más fácil y práctico dar en herencia una indemnización por seguro de vida de 150.000 €, que es inmediato y más fácil de repartir entre los beneficiarios, que no una vivienda cuyo valor es el de 150.000 € donde ya veremos cuánto tiempo tardan los herederos en repartírsela, venderla, pagar los impuestos de sucesiones, etcétera.
Causas o riesgos cubiertos
Estos seguros generalmente cubren casi todas las causas de fallecimiento como sería un ataque cardíaco, un cáncer, una neumonía, etcétera. A esas causas de fallecimiento las llaman «riesgos» o causas de muerte «ordinarias», de las cuales se ocupa de indemnizar la aseguradora con la que contrataste el seguro. Pero hay otras causas de muerte, las extraordinarias, que son las que en España se ocupa de indemnizar el Consorcio de Compensación de Seguros. Estas causas extraordinarias son, por ejemplo, la muerte por actos terroristas, debido a un disparo por la policía, a un terremoto, inundación y resto de riesgos extraordinarios. En esos otros escenarios será el Consorcio de Compensación de Seguros el que pague la indemnización.
Muerte por el Covid-19
¿Pero qué sucede si el asegurado muere de una pandemia, un conflicto armado (una guerra) o alguna otra causa de carácter extraordinario donde es posible que la aseguradora excluya esa causa de fallecimiento y el Consorcio de Compensación de Seguros también? Pues que los beneficiarios, dependiendo de una serie de circunstancias a estudiar de cómo se hubiera suscrito el contrato, es posible que se queden sin cobrar.
¿Cómo valorarias a tu aseguradora?Comparte tu opinión con otros usuarios en RankiSeguros. |
Pero en particular y en el caso de fallecimiento por el COVID19, para desvanecer cualquier tipo de duda UNESPA, que es la patronal del sector asegurador, ha anunciado que, independientemente a lo que diga el contrato de seguro, todas las aseguradoras con cobertura de fallecimiento se harán cargo de la indemnizar a los beneficiarios de los seguros de vida si el fallecimiento ha sido causa del COVID19. Aunque en el contrato la pandemia no estuviera cubierta. Y si tuvieras algún problema, sólo debes acudir a nosotros.
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Hola! Tengo una duda, si mi hija menor de edad, un día esta jugando en casa de mi vecino porque su hija y la mía son amigas y se juntan con frecuencia y rompe la televisión por un accidente (sin querer), ¿ mi seguro de hogar se haría cargo por la responsabilidad civil? ¿ podría la compañía rechazar el siniestro por estar baja la tutela o responsabilidad del perjudicado?
El derecho no son matemáticas y da pie a muchas interpretaciones. El artículo 1902 y 1903 del Código Civil es claro y por norma general los daños que acción u omisión haga su hija menor a alguien son responsabilidad del padre o tutor. Por tanto su aseguradora debería pagar la televisión de la familia de la amiga de su hija.