{"id":23758,"date":"2021-12-09T11:00:00","date_gmt":"2021-12-09T10:00:00","guid":{"rendered":"https:\/\/www.mgc.es\/?p=23758"},"modified":"2022-03-29T13:14:13","modified_gmt":"2022-03-29T11:14:13","slug":"diferencies-asseguranca-vida-i-mort","status":"publish","type":"post","link":"https:\/\/www.mgc.es\/ca\/blog\/diferencies-asseguranca-vida-i-mort\/","title":{"rendered":"Difer\u00e8ncies entre l&#8217;asseguran\u00e7a de vida i asseguran\u00e7a de decessos"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex de continguts<\/p>\n<\/div><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.mgc.es\/ca\/blog\/diferencies-asseguranca-vida-i-mort\/#Que_es_lasseguranca_de_decessos\" >Qu\u00e8 \u00e9s l&#8217;asseguran\u00e7a de decessos?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.mgc.es\/ca\/blog\/diferencies-asseguranca-vida-i-mort\/#Que_es_lasseguranca_de_vida\" >Qu\u00e8 \u00e9s l&#8217;asseguran\u00e7a de vida?<\/a><\/li><\/ul><\/nav><\/div>\n\n<p>Quan s&#8217;arriba a l&#8217;edat adulta i es t\u00e9 una fam\u00edlia, \u00e9s normal que apareguin tamb\u00e9 les preocupacions relatives al seu futur. En particular, en el cas de faltar la persona que suposa el principal manteniment o que els ingressos es vegin redu\u00efts per determinades circumst\u00e0ncies. Com a mesura preventiva, se sol apostar per la contractaci\u00f3 d&#8217;una p\u00f2lissa, que serveix de garantia en les situacions esmentades. Per\u00f2 sabies que hi ha difer\u00e8ncies entre l&#8217;asseguran\u00e7a de vida i la de mort? Avui t&#8217;expliquem en qu\u00e8 consisteixen i per quina has d&#8217;apostar segons les teves necessitats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_es_lasseguranca_de_decessos\"><\/span><a><\/a>Qu\u00e8 \u00e9s l&#8217;asseguran\u00e7a de decessos?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Hi ha assegurances que s\u00f3n molt f\u00e0cils de comprendre, ja que fan refer\u00e8ncia a proteccions molt concretes, amb independ\u00e8ncia de la quantitat de riscos que cobreixin, com el del cotxe o la moto o l&#8217;asseguran\u00e7a de la llar. No obstant aix\u00f2, les p\u00f2lisses que fan refer\u00e8ncia a la protecci\u00f3 de l&#8217;economia familiar s\u00f3n una mica m\u00e9s complexes, ja que es poden donar m\u00faltiples circumst\u00e0ncies.<\/p>\n\n\n\n<p>Per aix\u00f2, avui volem parlar de les difer\u00e8ncies entre l&#8217;asseguran\u00e7a de vida i l&#8217;<a href=\"https:\/\/www.mgc.es\/ca\/decessos\/\" target=\"_blank\" rel=\"noreferrer noopener\">asseguran\u00e7a de mort<\/a>; si est\u00e0s pensant a contractar-ne una, \u00e9s important que entenguis per quina has d&#8217;apostar en funci\u00f3 de les teves necessitats particulars. Si b\u00e9 totes dues es paguen mentre la persona prenedora est\u00e0 viva, la resta de condicions difereixen entre si en gran manera.<\/p>\n\n\n\n<p>En primer lloc, l&#8217;asseguran\u00e7a de decessos \u00e9s una p\u00f2lissa que s&#8217;encarrega de cobrir totes les despeses que pugui implicar la defunci\u00f3 de la persona assegurada, aix\u00ed com les gestions de car\u00e0cter administratiu. D&#8217;aquesta manera, evita que la fam\u00edlia hagi de fer-se c\u00e0rrec d&#8217;aquests costos, del trasllat o d&#8217;altres serveis relacionats.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_es_lasseguranca_de_vida\"><\/span><a><\/a>Qu\u00e8 \u00e9s l&#8217;asseguran\u00e7a de vida?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A difer\u00e8ncia de l&#8217;anterior, l&#8217;<a href=\"https:\/\/www.mgc.es\/ca\/vida\/\" target=\"_blank\" rel=\"noreferrer noopener\">asseguran\u00e7a de vida<\/a> t\u00e9 com a finalitat proporcionar tranquil\u00b7litat a la fam\u00edlia en el moment d&#8217;absentar-se. Davant d&#8217;aquesta situaci\u00f3, la persona o persones benefici\u00e0ries reben una indemnitzaci\u00f3, que pot consistir en una \u00fanica quantia o en diverses rendes repartides en el temps, segons hagi especificat el prenedor en les condicions del contracte.<\/p>\n\n\n\n<p>Dins de l&#8217;asseguran\u00e7a de vida, es pot distingir entre dos tipus; el primer, \u00e9s l&#8217;anomenada asseguran\u00e7a de vida-risc, en la qual el risc que s&#8217;ha contractat serveix de protecci\u00f3 si la persona assegurada mor abans que finalitzi el temps de la p\u00f2lissa. Aix\u00ed, els beneficiaris podrien cobrar el capital que s&#8217;hagi assegurat. El segon \u00e9s el de vida-estalvi, que s&#8217;utilitza com a complement de la pensi\u00f3 p\u00fablica de jubilaci\u00f3. El prenedor sol coincidir amb el beneficiari, i va abonant primes en vida amb una rendibilitat marcada, a baix risc i amb avantatges fiscals, amb la finalitat d&#8217;estalviar per al futur.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><a><\/a>Difer\u00e8ncies entre l&#8217;asseguran\u00e7a de vida i la de mort<\/h3>\n\n\n\n<p>Encara que al primer cop d&#8217;ull pugui resultar evident que es tracta de productes diferents, tamb\u00e9 tenen algunes similituds, d&#8217;aqu\u00ed ve que pugui haver-hi confusi\u00f3 en alguns casos. Tant l&#8217;asseguran\u00e7a de vida com la de decessos estan lligades a la defunci\u00f3 de la persona que est\u00e0 assegurada i, en cas de succeir, alleujarien la situaci\u00f3 financera de la fam\u00edlia. A m\u00e9s, totes dues poden incloure altres cobertures, com les hospitalitzacions o l&#8217;assist\u00e8ncia m\u00e8dica.<\/p>\n\n\n\n<p>Ara que hem vist en qu\u00e8 consisteix cadascuna de les assegurances, resulta m\u00e9s f\u00e0cil comprendre quines s\u00f3n les difer\u00e8ncies entre l&#8217;asseguran\u00e7a de vida i la de mort. Aquestes s\u00f3n, en primer lloc, la cobertura en si mateixa, que en l&#8217;asseguran\u00e7a de vida \u00e9s la compensaci\u00f3 econ\u00f2mica, mentre que en la de decessos \u00e9s cobrir les mateixes despeses del sepeli.<\/p>\n\n\n\n<p>La segona difer\u00e8ncia fa refer\u00e8ncia al capital de la p\u00f2lissa. En les assegurances de vida, la persona prenedora \u00e9s la que tria la quantitat que vol deixar per a la seva fam\u00edlia en concepte d&#8217;indemnitzaci\u00f3 econ\u00f2mica en un pagament \u00fanic o en rendes, mentre que en la de mort, \u00e9s la companyia la que marca el cost dels serveis f\u00fanebres que ofereix.<\/p>\n\n\n\n<p>En tercer lloc, la comunicaci\u00f3 a la companyia la realitza qualsevol persona quan es tracta de la gesti\u00f3 del sepeli. Si m\u00e9s no, per al cobrament de la indemnitzaci\u00f3, s\u00f3n la persona tomadora o la benefici\u00e0ria les que han de comunicar la defunci\u00f3 en un termini de set dies.<\/p>\n\n\n\n<p>Quart, els requisits per a la contractaci\u00f3 d&#8217;ambdues assegurances s\u00f3n diferents. Mentre que qualsevol persona pot accedir a la gesti\u00f3 dels tr\u00e0mits de la defunci\u00f3, per a una asseguran\u00e7a de vida hi ha una edat m\u00ednima. En funci\u00f3 de la companyia tamb\u00e9 pot haver-hi altres particularitats. I, finalment, les cobertures tamb\u00e9 s\u00f3n diferents, ja que l&#8217;asseguran\u00e7a de vida pot cobrir la invalidesa, cosa que no succeeix en l&#8217;asseguran\u00e7a de dec\u00e9s.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Quan s&#8217;arriba a l&#8217;edat adulta i es t\u00e9 una fam\u00edlia, \u00e9s normal que apareguin tamb\u00e9 les preocupacions relatives al seu futur. En particular, en el cas de faltar la persona que suposa el principal manteniment o que els ingressos es vegin redu\u00efts per determinades circumst\u00e0ncies. Com a mesura preventiva, se sol apostar per la contractaci\u00f3 [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":23794,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[],"class_list":["post-23758","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances"],"featured_image_src":"https:\/\/www.mgc.es\/wp-content\/uploads\/2021\/12\/diferencias-entre-seguro-de-vida-y-muerte.jpg","author_info":{"display_name":"Revista Inter\u00e8s Mutu","author_link":"https:\/\/www.mgc.es\/ca\/blog\/author\/interesmutu\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Difer\u00e8ncies entre l&#039;asseguran\u00e7a de vida i asseguran\u00e7a de decessos - MGC M\u00fatua<\/title>\n<meta name=\"description\" content=\"Quines s\u00f3n les difer\u00e8ncies entre l&#039;asseguran\u00e7a de vida i de mort? 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