{"id":84,"date":"2014-10-25T15:40:59","date_gmt":"2014-10-25T13:40:59","guid":{"rendered":"http:\/\/www.mcasadellapol.cat\/?page_id=84"},"modified":"2025-09-12T12:41:06","modified_gmt":"2025-09-12T11:41:06","slug":"accidents-2","status":"publish","type":"page","link":"https:\/\/www.mcasadellapol.cat\/?page_id=84","title":{"rendered":"Accidents"},"content":{"rendered":"<p data-start=\"309\" data-end=\"422\">L\u2019asseguran\u00e7a d\u2019accidents t\u00e9 una funci\u00f3 diferent de la d\u2019una asseguran\u00e7a de vida, tot i que sovint es confonen.<\/p>\n<ul data-start=\"424\" data-end=\"707\">\n<li data-start=\"424\" data-end=\"559\">\n<p data-start=\"426\" data-end=\"559\"><strong data-start=\"426\" data-end=\"449\">Asseguran\u00e7a de vida<\/strong>: garanteix una indemnitzaci\u00f3 en cas de defunci\u00f3 o invalidesa per <strong data-start=\"515\" data-end=\"534\">qualsevol causa<\/strong> (accident o malaltia).<\/p>\n<\/li>\n<li data-start=\"560\" data-end=\"707\">\n<p data-start=\"562\" data-end=\"707\"><strong data-start=\"562\" data-end=\"589\">Asseguran\u00e7a d\u2019accidents<\/strong>: limita la cobertura exclusivament a la defunci\u00f3 o invalidesa derivada d\u2019un <strong data-start=\"666\" data-end=\"704\">accident fortu\u00eft, violent i extern<\/strong>.<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"709\" data-end=\"928\">Aix\u00f2 vol dir que si la situaci\u00f3 ve donada per una malaltia, respondria una asseguran\u00e7a de vida, per\u00f2 no pas una d\u2019accidents. Per aquest motiu, moltes persones contracten totes dues cobertures de manera complement\u00e0ria.<\/p>\n<hr data-start=\"930\" data-end=\"933\" \/>\n<h3 data-start=\"935\" data-end=\"961\">Quan \u00e9s recomanable?<\/h3>\n<p data-start=\"962\" data-end=\"1023\">Una asseguran\u00e7a d\u2019accidents \u00e9s especialment interessant si:<\/p>\n<ul data-start=\"1024\" data-end=\"1334\">\n<li data-start=\"1024\" data-end=\"1081\">\n<p data-start=\"1026\" data-end=\"1081\">Tens parella, fills o altres familiars al teu c\u00e0rrec.<\/p>\n<\/li>\n<li data-start=\"1082\" data-end=\"1134\">\n<p data-start=\"1084\" data-end=\"1134\">Tens cr\u00e8dits o hipoteques pendents d\u2019amortitzar.<\/p>\n<\/li>\n<li data-start=\"1135\" data-end=\"1269\">\n<p data-start=\"1137\" data-end=\"1269\">Treballes en un entorn amb risc m\u00e9s alt d\u2019accidents (per exemple, aut\u00f2noms, treballadors de sectors industrials, transport, etc.).<\/p>\n<\/li>\n<li data-start=\"1270\" data-end=\"1334\">\n<p data-start=\"1272\" data-end=\"1334\">Vols garantir una protecci\u00f3 extra en cas de sinistre sobtat.<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"1336\" data-end=\"1339\" \/>\n<h3 data-start=\"1341\" data-end=\"1373\">Quines cobertures ofereix?<\/h3>\n<p data-start=\"1374\" data-end=\"1460\">Les assegurances d\u2019accidents poden contractar-se amb diferents nivells de protecci\u00f3:<\/p>\n<ul data-start=\"1462\" data-end=\"1984\">\n<li data-start=\"1462\" data-end=\"1557\">\n<p data-start=\"1464\" data-end=\"1557\"><strong data-start=\"1464\" data-end=\"1504\">Garantia b\u00e0sica de mort per accident<\/strong>: pagament d\u2019un capital als beneficiaris designats.<\/p>\n<\/li>\n<li data-start=\"1558\" data-end=\"1670\">\n<p data-start=\"1560\" data-end=\"1670\"><strong data-start=\"1560\" data-end=\"1597\">Invalidesa permanent per accident<\/strong>: indemnitzaci\u00f3 si l\u2019accident provoca una incapacitat total o absoluta.<\/p>\n<\/li>\n<li data-start=\"1671\" data-end=\"1752\">\n<p data-start=\"1673\" data-end=\"1752\"><strong data-start=\"1673\" data-end=\"1696\">Incapacitat parcial<\/strong>: capital proporcional segons el grau de les seq\u00fceles.<\/p>\n<\/li>\n<li data-start=\"1753\" data-end=\"1870\">\n<p data-start=\"1755\" data-end=\"1870\"><strong data-start=\"1755\" data-end=\"1803\">Assist\u00e8ncia sanit\u00e0ria derivada de l\u2019accident<\/strong>: cobertura de despeses m\u00e8diques, hospital\u00e0ries i farmac\u00e8utiques.<\/p>\n<\/li>\n<li data-start=\"1871\" data-end=\"1984\">\n<p data-start=\"1873\" data-end=\"1984\"><strong data-start=\"1873\" data-end=\"1897\">Despeses addicionals<\/strong>: com rehabilitaci\u00f3, adaptaci\u00f3 de l\u2019habitatge o del vehicle en cas de seq\u00fceles greus.<\/p>\n<\/li>\n<\/ul>\n<hr data-start=\"1986\" data-end=\"1989\" \/>\n<h3 data-start=\"1991\" data-end=\"2022\">Per qu\u00e8 \u00e9s \u00fatil tenir-la?<\/h3>\n<p data-start=\"2023\" data-end=\"2431\">L\u2019avantatge principal d\u2019una asseguran\u00e7a d\u2019accidents \u00e9s que ofereix <strong data-start=\"2090\" data-end=\"2131\">una cobertura extra i molt espec\u00edfica<\/strong>, amb primes habitualment m\u00e9s econ\u00f2miques que les assegurances de vida, ja que el risc \u00e9s m\u00e9s concret.<br data-start=\"2233\" data-end=\"2236\" \/>\u00c9s una manera senzilla i assequible de refor\u00e7ar la protecci\u00f3 de la fam\u00edlia i assegurar estabilitat econ\u00f2mica davant un imprevist que, tot i que poc probable, pot tenir conseq\u00fc\u00e8ncies molt greus.<\/p>\n<hr data-start=\"2433\" data-end=\"2436\" \/>\n<p data-start=\"2438\" data-end=\"2756\">\ud83d\udc49 En resum, una asseguran\u00e7a de vida et protegeix davant qualsevol causa de defunci\u00f3 o invalidesa, mentre que una asseguran\u00e7a d\u2019accidents et dona una protecci\u00f3 espec\u00edfica i econ\u00f2mica davant situacions sobtades i imprevisibles. Contractar-les de manera complement\u00e0ria \u00e9s la millor manera de cobrir tots els escenaris.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L\u2019asseguran\u00e7a d\u2019accidents t\u00e9 una funci\u00f3 diferent de la d\u2019una asseguran\u00e7a de vida, tot i que sovint es confonen. Asseguran\u00e7a de vida: garanteix u<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":40,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_uf_show_specific_survey":0,"_uf_disable_surveys":false,"footnotes":""},"class_list":["post-84","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages\/84","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=84"}],"version-history":[{"count":7,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages\/84\/revisions"}],"predecessor-version":[{"id":3263,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages\/84\/revisions\/3263"}],"up":[{"embeddable":true,"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=\/wp\/v2\/pages\/40"}],"wp:attachment":[{"href":"https:\/\/www.mcasadellapol.cat\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=84"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}