{"id":5621,"date":"2017-10-03T19:11:17","date_gmt":"2017-10-03T17:11:17","guid":{"rendered":"http:\/\/garanley.com\/?p=5621"},"modified":"2020-03-31T15:42:29","modified_gmt":"2020-03-31T13:42:29","slug":"asseguranca-vida-dades-salut-omesos","status":"publish","type":"post","link":"https:\/\/garanley.com\/ca\/dret-civil\/asseguranca-vida-dades-salut-omesos\/","title":{"rendered":"Asseguran\u00e7a de vida: dades de salut omesos en el q\u00fcestionari de salut i els seus efectes"},"content":{"rendered":"
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Ometre dades i informaci\u00f3 en el q\u00fcestionari de salut pot tenir conseq\u00fc\u00e8ncies negatives. D’entrada, cal explicar que el q\u00fcestionari de salut \u00e9s part de la documentaci\u00f3 que s’adjunta a l’asseguran\u00e7a m\u00e8dica.<\/p>\n

Aquest q\u00fcestionari valora, en termes de salut, l’estat actual de la persona que subscriu la p\u00f2lissa de l’asseguran\u00e7a. El q\u00fcestionari de salut \u00e9s fonamental, ja que \u00e9s el document que permet a la companyia d’assegurances valorar el risc al subscriure la p\u00f2lissa.<\/p>\n

El q\u00fcestionari de salut de l’asseguran\u00e7a recull informaci\u00f3 sobre el seu estat de salut. Q\u00fcestions b\u00e0siques com si t\u00e9 algun tipus d’al\u00b7l\u00e8rgia, si pateix alguna malaltia cr\u00f2nica, si consumeix begudes alcoh\u00f2liques o si \u00e9s fumador. Q\u00fcestions amb les que la companyia d’assegurances pot fer un perfil prec\u00eds de l’acceptant de la p\u00f2lissa.<\/p>\n

Ometre dades de salut \u00e9s una p\u00e8rdua de temps i de diners per a l’assegurat, ja que si la companyia d’assegurances descobreix que la informaci\u00f3 ha estat omesa a prop\u00f2sit pot considerar un frau i anul\u00b7lar la p\u00f2lissa.<\/strong><\/p><\/blockquote>\n

La Llei de contracte d’asseguran\u00e7a, Llei 50\/1980<\/span>, no deixa cap dubte sobre aquesta q\u00fcesti\u00f3. Aix\u00ed, en el seu article 10 estipula que “el prenedor de l’asseguran\u00e7a t\u00e9 el deure, abans de la conclusi\u00f3 el contracte, de declarar a l’assegurador, d’acord amb el q\u00fcestionari que aquest li sotmeti, totes les circumst\u00e0ncies per ell conegudes que puguin influir en la valoraci\u00f3 de el risc. Quedar\u00e0 exonerat d’aquest deure si l’assegurador no el sotmet a q\u00fcestionari o quan, tot sotmetent-, es tracti de circumst\u00e0ncies que puguin influir en la valoraci\u00f3 de el risc i que no<\/em> estiguin compreses en ell “<\/em>. L’assegurador, afegeix la llei, “pot rescindir el contracte mitjan\u00e7ant declaraci\u00f3 dirigida a l’acceptant de l’asseguran\u00e7a en el termini d’un mes, a comptar des del coneixement de la reserva o inexactitud de l’acceptant de l’asseguran\u00e7a”.<\/em><\/p>\n

La llei no deixa cap dubte que si aportem dades incorrectes o inexactes a l’hora de subscriure una p\u00f2lissa d’assegurances tindrem molt a perdre. Tant si l’omissi\u00f3 \u00e9s involunt\u00e0ria com a volunt\u00e0ria, la companyia d’assegurances pot utilitzar com a argument per a, en cas de sinistre, negar-se a cobrir els danys ocasionats. Precisament, quan una persona es decideix a subscriure una asseguran\u00e7a \u00e9s per sentir-se m\u00e9s segur i protegit en aquelles situacions m\u00e9s complicades.<\/p>\n

A m\u00e9s, l’omissi\u00f3 de dades en el q\u00fcestionari de salut pot fer que ens costi diners. La companyia d’assegurances pot reclamar la restituci\u00f3 de les primes o retenir tots els diners aportats. En cas de sinistre, la indemnitzaci\u00f3 pot es redueixi de manera dr\u00e0stica<\/p>\n

Si anem a signar una asseguran\u00e7a de vida, davant de qualsevol dubte, hem de consultar i assessorar per un professional expert en la mat\u00e8ria. No sempre les dades s’ometen de forma volunt\u00e0ria, i en alguns casos, l’omissi\u00f3 es deu al fet que no ho consider\u00e0vem important o simplement no sab\u00edem que hav\u00edem de incloure-ho. En q\u00fcestions d’assegurances, el millor \u00e9s deixar tot ben lligat i sense fissures per evitar contratemps.<\/p>\n","protected":false},"excerpt":{"rendered":"

Ometre dades i informaci\u00f3 en el q\u00fcestionari de salut pot tenir conseq\u00fc\u00e8ncies negatives. D’entrada, cal explicar que el q\u00fcestionari de salut \u00e9s part de la documentaci\u00f3 que s’adjunta a l’asseguran\u00e7a m\u00e8dica. Aquest q\u00fcestionari valora, en termes de salut, l’estat actual de la persona que subscriu la p\u00f2lissa de l’asseguran\u00e7a. El q\u00fcestionari de salut \u00e9s fonamental, …<\/p>\n

Asseguran\u00e7a de vida: dades de salut omesos en el q\u00fcestionari de salut i els seus efectes<\/span> Read More \u00bb<\/a><\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[17],"tags":[],"class_list":["post-5621","post","type-post","status-publish","format-standard","hentry","category-dret-civil"],"yoast_head":"\nAsseguran\u00e7a de vida: dades de salut omesos en el q\u00fcestionari de salut i els seus efectes | Garanley Advocats<\/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:\/\/garanley.com\/ca\/civil\/omitir-datos-salud-seguro-vida\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Asseguran\u00e7a de vida: dades de salut omesos en el q\u00fcestionari de salut i els seus efectes | Garanley Advocats\" \/>\n<meta property=\"og:description\" content=\"Ometre dades i informaci\u00f3 en el q\u00fcestionari de salut pot tenir conseq\u00fc\u00e8ncies negatives. 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