{"id":1817,"date":"2022-06-15T17:32:32","date_gmt":"2022-06-15T15:32:32","guid":{"rendered":"https:\/\/sermaseguros.es\/?p=1817"},"modified":"2022-06-15T17:32:34","modified_gmt":"2022-06-15T15:32:34","slug":"assegurances-per-a-collectius","status":"publish","type":"post","link":"https:\/\/sermaseguros.es\/ca\/assegurances-per-a-collectius\/","title":{"rendered":"Assegurances per a Col\u00b7lectius"},"content":{"rendered":"\n<p><a href=\"https:\/\/sermaseguros.es\/ca\/assegurances-empreses\/#Assegurances_de_collectius\">Qu\u00e8 son?<\/a><br><br>Les assegurances col\u00b7lectives s\u00f3n una modalitat de p\u00f2lisses que permet cobrir de manera individual a un col\u00b7lectiu de persones amb necessitats de cobertura similars. S\u00f3n p\u00f2lisses pensades per a grups m\u00e9s o menys nombrosos que tenen una vinculaci\u00f3 comuna amb un organisme col\u00b7legial, una entitat o una societat.<br>De fet, les assegurances col\u00b7lectives solen ser contractats per empreses d&#8217;aquesta manera, la contractaci\u00f3 d&#8217;assegurances col\u00b7lectives contribueix a millorar la relaci\u00f3 entre els treballadors i l&#8217;empresa, al mateix temps que ofereix protecci\u00f3 a la plantilla davant la possibilitat de sofrir imprevistos de qualsevol tipus.<br><br><strong>Qui pot estar cobert per una asseguran\u00e7a col\u00b7lectiva?<\/strong><\/p>\n\n\n\n<p><br>L&#8217;asseguran\u00e7a col\u00b7lectiva \u00e9s un contracte elaborat espec\u00edficament per a donar cobertura a un grup de persones que tinguin un vincle com\u00fa, ja sigui de tipus laboral, professional o de pertinen\u00e7a a una col\u00b7lectivitat.<br>El m\u00e9s habitual \u00e9s que aquest vincle sigui laboral i es correspongui amb els treballadors d&#8217;una mateixa empresa, encara que tamb\u00e9 pot haver-hi assegurances col\u00b7lectives per als membres d&#8217;un col\u00b7legi professional o un sindicat, aix\u00ed com per als socis d&#8217;un determinat club o entitat, o els integrants d&#8217;una agrupaci\u00f3, associaci\u00f3 o instituci\u00f3 p\u00fablica.<br><br><strong>Quins tipus d&#8217;assegurances col\u00b7lectives existeixen?<\/strong><\/p>\n\n\n\n<p><br>Quan la p\u00f2lissa cobreix grups menys nombrosos, \u00e9s possible contractar p\u00f2lisses on es detallen dades sobre les persones assegurades.<br>En els contractes d&#8217;assegurances col\u00b7lectives nominades pot figurar el nom i la professi\u00f3 de cadascun dels assegurats, aix\u00ed com altres dades que puguin interessar com les cobertures o el capital assegurats.<br>Les assegurances col\u00b7lectives innominades estan m\u00e9s enfocat a grups m\u00e9s nombrosos on sol agrupar-se als assegurats en funci\u00f3 de la seva activitat professional o tipus de vincle amb el col\u00b7lectiu. En aquestes p\u00f2lisses no es concreten les dades de les persones assegurades, ja que se signa la cobertura per a una col\u00b7lectivitat an\u00f2nima.<br><br>Quines s\u00f3n les principals assegurances col\u00b7lectius?<br>En realitat, \u00e9s possible assegurar a una col\u00b7lectivitat amb diversos tipus d&#8217;assegurances, encara que els principals s\u00f3n:<br>\u2022 Assegurances col\u00b7lectives de vida<br>\u2022 Assegurances col\u00b7lectives d&#8217;accidents personals<br>\u2022 Assegurances col\u00b7lectives de salut<br><br><strong>Quins beneficis tenen les assegurances col\u00b7lectives enfront de les assegurances individuals?<\/strong><\/p>\n\n\n\n<p><br>S\u00f3n m\u00e9s barats que si es contracten de manera individual, per aix\u00f2 suposen una interessant opci\u00f3 per a les empreses.<br>En la majoria de casos, els consorcis o empreses s\u00f3n els que contracten les assegurances col\u00b7lectives o de grup, ja que tenen un poder de compra m\u00e9s forta que un individu per compte propi. Un exemple s\u00f3n les assegurances de grup que cobreixen als membres del consorci de bombers<br>Al marge del preu, pel que fa a les garanties, en les assegurances col\u00b7lectives \u00e9s possible contractar cobertures m\u00e9s espec\u00edfiques que poden ser necess\u00e0ries per a exercir una professi\u00f3 i que, no obstant aix\u00f2, no estan disponibles en assegurances individuals.<br>A m\u00e9s, com a avantatge a tenir en compte cal assenyalar que, en cas de sinistre, la gesti\u00f3 de les prestacions i el pagament de la indemnitzaci\u00f3 sol ser m\u00e9s \u00e0gil i r\u00e0pid. El mer fet de ser membre d&#8217;un col\u00b7lectiu assegurat ajuda al fet que els pagaments de la companyia asseguradora es facin de forma m\u00e9s eficient.<br>Finalment, una altra dels grans avantatges que ofereixen les p\u00f2lisses col\u00b7lectives \u00e9s que en molts casos permeten estendre la seva cobertura a la resta de la fam\u00edlia. Si volem que la nostra fam\u00edlia tamb\u00e9 rebi cobertura, nom\u00e9s n&#8217;hi ha prou amb el consentiment de l&#8217;asseguradora i el pagament d&#8217;una prima extra.<\/p>\n\n\n\n<p><a href=\"https:\/\/sermaseguros.es\/ca\/contactans\/\">Contacta&#8217;ns per m\u00e9s informaci\u00f3.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Assegurances per a col\u00b7lectius<\/p>\n","protected":false},"author":2,"featured_media":1095,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[10],"tags":[39,27,55,28,61],"class_list":["post-1817","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-ca","tag-asseguranca","tag-assegurances","tag-directius","tag-empresa","tag-rrhh-2"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.6.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Assegurances per a Col\u00b7lectius - 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