{"id":40512,"date":"2026-07-15T09:00:00","date_gmt":"2026-07-15T07:00:00","guid":{"rendered":"https:\/\/www.mgc.es\/?p=40512"},"modified":"2026-07-14T14:58:08","modified_gmt":"2026-07-14T12:58:08","slug":"asseguranca-vida-vs-asseguranca-accidents-empreses","status":"publish","type":"post","link":"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-vida-vs-asseguranca-accidents-empreses\/","title":{"rendered":"Asseguran\u00e7a de vida vs. asseguran\u00e7a d&#8217;accidents per a empreses: quina p\u00f2lissa necessita el teu equip?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 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\/asseguranca-vida-vs-asseguranca-accidents-empreses\/#En_que_es_diferencia_lasseguranca_de_vida_de_lasseguranca_daccidents_per_a_empreses\" >En qu\u00e8 es diferencia l&#8217;asseguran\u00e7a de vida de l&#8217;asseguran\u00e7a d&#8217;accidents per a empreses?<\/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\/asseguranca-vida-vs-asseguranca-accidents-empreses\/#Es_obligatoria_lasseguranca_daccidents_per_a_empreses\" >\u00c9s obligat\u00f2ria l&#8217;asseguran\u00e7a d&#8217;accidents per a empreses?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-vida-vs-asseguranca-accidents-empreses\/#Comparativa_asseguranca_de_vida_vs_asseguranca_daccidents_per_a_empreses\" >Comparativa: asseguran\u00e7a de vida vs. asseguran\u00e7a d&#8217;accidents per a empreses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-vida-vs-asseguranca-accidents-empreses\/#Per_que_lasseguranca_daccidents_sola_no_es_suficient\" >Per qu\u00e8 l&#8217;asseguran\u00e7a d&#8217;accidents sola no \u00e9s suficient<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-vida-vs-asseguranca-accidents-empreses\/#Quan_contractar_totes_dues_assegurances\" >Quan contractar totes dues assegurances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-vida-vs-asseguranca-accidents-empreses\/#Que_ofereixen_els_productes_de_MGC_Mutua_per_a_empreses\" >Qu\u00e8 ofereixen els productes de MGC Mutua per a empreses<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-vida-vs-asseguranca-accidents-empreses\/#Preguntes_frequents\" >Preguntes freq\u00fcents<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-vida-vs-asseguranca-accidents-empreses\/#Analitza_quines_polisses_necessita_la_teva_empresa\" >Analitza quines p\u00f2lisses necessita la teva empresa<\/a><\/li><\/ul><\/nav><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"En_que_es_diferencia_lasseguranca_de_vida_de_lasseguranca_daccidents_per_a_empreses\"><\/span>En qu\u00e8 es diferencia l&#8217;asseguran\u00e7a de vida de l&#8217;asseguran\u00e7a d&#8217;accidents per a empreses?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La difer\u00e8ncia fonamental \u00e9s l&#8217;origen del sinistre. L&#8217;asseguran\u00e7a d&#8217;accidents cobreix exclusivament els danys corporals derivats d&#8217;un accident: una causa sobtada, externa, violenta i involunt\u00e0ria. L&#8217;asseguran\u00e7a de vida cobreix a m\u00e9s la defunci\u00f3 o la incapacitat derivades de malaltia, que estad\u00edsticament representen la majoria dels sinistres greus. Per a una empresa, l&#8217;asseguran\u00e7a d&#8217;accidents pot ser obligat\u00f2ria segons el conveni col\u00b7lectiu; l&#8217;asseguran\u00e7a de vida col\u00b7lectiva \u00e9s sempre volunt\u00e0ria, per\u00f2 fiscalment dedu\u00efble al 100 % a l&#8217;Impost de Societats i amb un impacte en la retenci\u00f3 de talent molt superior.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Es_obligatoria_lasseguranca_daccidents_per_a_empreses\"><\/span>\u00c9s obligat\u00f2ria l&#8217;asseguran\u00e7a d&#8217;accidents per a empreses?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, en la majoria de sectors. L&#8217;asseguran\u00e7a d&#8217;accidents per a empreses \u00e9s obligat\u00f2ria sempre que aix\u00ed ho estableixi el conveni col\u00b7lectiu aplicable. Aix\u00f2 significa que l&#8217;obligatorietat no \u00e9s universal: dep\u00e8n del sector, l&#8217;activitat i el conveni que regeixi la relaci\u00f3 laboral. Quan una empresa contracta l&#8217;asseguran\u00e7a d&#8217;accidents de conveni, tots els empleats que figuren al document TC2 de la Seguretat Social queden autom\u00e0ticament inclosos a la cobertura.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;asseguran\u00e7a d&#8217;accidents cobreix els danys corporals que l&#8217;empleat pateix en l&#8217;entorn privat o professional com a conseq\u00fc\u00e8ncia d&#8217;un accident. S&#8217;ent\u00e9n per accident l&#8217;escenari en qu\u00e8 la causa \u00e9s sobtada, inesperada, externa, violenta i involunt\u00e0ria. Si la causa no respon a aquesta definici\u00f3 \u2014per exemple, una malaltia, encara que sigui greu\u2014, l&#8217;asseguran\u00e7a d&#8217;accidents no cobreix. Aqu\u00ed \u00e9s on comen\u00e7a la cobertura de l&#8217;asseguran\u00e7a de vida.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;asseguran\u00e7a de vida col\u00b7lectiva, en canvi, no \u00e9s obligat\u00f2ria per llei ni per conveni en la majoria de sectors. \u00c9s una decisi\u00f3 volunt\u00e0ria de l&#8217;empresa que respon a la seva pol\u00edtica retributiva i de beneficis. Ho pots consultar en detall a l&#8217;article <a href=\"https:\/\/www.mgc.es\/ca\/blog\/es-obligatoria-una-asseguranca-accidents-per-empreses-2\/\">\u00e9s obligat\u00f2ria una asseguran\u00e7a d&#8217;accidents per a empreses?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Comparativa_asseguranca_de_vida_vs_asseguranca_daccidents_per_a_empreses\"><\/span>Comparativa: asseguran\u00e7a de vida vs. asseguran\u00e7a d&#8217;accidents per a empreses<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table><thead><tr><th><\/th><th>Asseguran\u00e7a de vida col\u00b7lectiva<\/th><th>Asseguran\u00e7a d&#8217;accidents<\/th><\/tr><\/thead><tbody><tr><td><strong>Obligatorietat<\/strong><\/td><td>Volunt\u00e0ria<\/td><td>Obligat\u00f2ria si ho exigeix el conveni<\/td><\/tr><tr><td><strong>Defunci\u00f3 per malaltia<\/strong><\/td><td>S\u00ed<\/td><td>No<\/td><\/tr><tr><td><strong>Defunci\u00f3 per accident<\/strong><\/td><td>S\u00ed<\/td><td>S\u00ed<\/td><\/tr><tr><td><strong>Incapacitat per malaltia (IPT\/IPA)<\/strong><\/td><td>S\u00ed<\/td><td>No<\/td><\/tr><tr><td><strong>Incapacitat per accident<\/strong><\/td><td>S\u00ed<\/td><td>S\u00ed<\/td><\/tr><tr><td><strong>Indemnitzaci\u00f3 di\u00e0ria per baixa<\/strong><\/td><td>No<\/td><td>S\u00ed (segons barem)<\/td><\/tr><tr><td><strong>Deducci\u00f3 IS empresa (100 %)<\/strong><\/td><td>S\u00ed<\/td><td>S\u00ed<\/td><\/tr><tr><td><strong>Impacte en la retenci\u00f3 de talent<\/strong><\/td><td>Alt<\/td><td>Moderat<\/td><\/tr><tr><td><strong>Capital m\u00e0xim assegurable (MGC)<\/strong><\/td><td>300.000 \u20ac per empleat<\/td><td>Segons producte contractat<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Per_que_lasseguranca_daccidents_sola_no_es_suficient\"><\/span>Per qu\u00e8 l&#8217;asseguran\u00e7a d&#8217;accidents sola no \u00e9s suficient<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;asseguran\u00e7a d&#8217;accidents del conveni \u00e9s necess\u00e0ria i en molts casos obligat\u00f2ria, per\u00f2 cobreix nom\u00e9s una part del risc real al qual est\u00e0 exposada la plantilla. La ra\u00f3 \u00e9s estad\u00edstica: la majoria de les defuncions i incapacitats permanents greus en la poblaci\u00f3 activa no s\u00f3n conseq\u00fc\u00e8ncia d&#8217;un accident sin\u00f3 d&#8217;una malaltia. Un infart, un ictus, un c\u00e0ncer, una malaltia degenerativa. Totes aquestes situacions queden fora de l&#8217;\u00e0mbit de l&#8217;asseguran\u00e7a d&#8217;accidents.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per a un empleat, perdre la capacitat de treballar per una malaltia greu t\u00e9 exactament el mateix impacte econ\u00f2mic que perdre-la per un accident. Per a l&#8217;empresa, el buit de cobertura que deixa l&#8217;asseguran\u00e7a d&#8217;accidents nom\u00e9s es pot cobrir amb una asseguran\u00e7a de vida col\u00b7lectiva. L&#8217;article sobre <a href=\"https:\/\/www.mgc.es\/ca\/blog\/invalidesa-permanent-absoluta\/\">invalidesa permanent absoluta<\/a> explica amb detall qu\u00e8 passa quan un empleat queda incapacitat de manera definitiva i com funciona la cobertura de l&#8217;asseguran\u00e7a de vida en aquests casos.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quan_contractar_totes_dues_assegurances\"><\/span>Quan contractar totes dues assegurances<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La resposta m\u00e9s freq\u00fcent en empreses amb una pol\u00edtica de beneficis coherent \u00e9s contractar totes dues: l&#8217;asseguran\u00e7a d&#8217;accidents per complir l&#8217;obligaci\u00f3 del conveni, i l&#8217;asseguran\u00e7a de vida col\u00b7lectiva per completar la cobertura amb les conting\u00e8ncies que el conveni no contempla i per construir un vincle emocional amb la plantilla.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nom\u00e9s asseguran\u00e7a d&#8217;accidents<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cobreix el m\u00ednim exigit pel conveni. Protegeix davant d&#8217;accidents, per\u00f2 deixa sense cobertura les defuncions i incapacitats per malaltia, que s\u00f3n estad\u00edsticament les m\u00e9s freq\u00fcents. \u00c9s el punt de partida, no el punt d&#8217;arribada.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Nom\u00e9s asseguran\u00e7a de vida col\u00b7lectiva<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Cobreix defunci\u00f3 i incapacitat per qualsevol causa \u2014accident o malaltia\u2014, per\u00f2 no inclou la indemnitzaci\u00f3 di\u00e0ria per baixa temporal que alguns convenis requereixen de l&#8217;asseguran\u00e7a d&#8217;accidents. Pot ser insuficient si el conveni exigeix expl\u00edcitament la p\u00f2lissa d&#8217;accidents.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Totes dues assegurances (cobertura completa)<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;asseguran\u00e7a d&#8217;accidents compleix l&#8217;obligaci\u00f3 del conveni i inclou la indemnitzaci\u00f3 di\u00e0ria per baixa. L&#8217;asseguran\u00e7a de vida col\u00b7lectiva afegeix la cobertura de malalties greus, construeix vincle emocional amb la plantilla i \u00e9s totalment dedu\u00efble a l&#8217;Impost de Societats. \u00c9s la combinaci\u00f3 que utilitzen les empreses amb una pol\u00edtica de beneficis completa.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_ofereixen_els_productes_de_MGC_Mutua_per_a_empreses\"><\/span>Qu\u00e8 ofereixen els productes de MGC Mutua per a empreses<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Asseguran\u00e7a de vida: Vida Risc Professional<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Defunci\u00f3 + IPT + IPA per qualsevol causa.<\/li>\n\n<li>Capital m\u00e0xim 300.000 \u20ac per empleat.<\/li>\n\n<li>Contractaci\u00f3 de 18 a 63 anys.<\/li>\n\n<li>Deducci\u00f3 100 % a l&#8217;IS. Volunt\u00e0ria.<\/li><\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Asseguran\u00e7a d&#8217;accidents: Accidents personals MGC<\/h3>\n\n\n\n<ul class=\"wp-block-list\"><li>Defunci\u00f3 i incapacitat per accident.<\/li>\n\n<li>Indemnitzaci\u00f3 di\u00e0ria per baixa segons barem.<\/li>\n\n<li>Modalitats individuals i col\u00b7lectives.<\/li>\n\n<li>Deducci\u00f3 100 % a l&#8217;IS. Obligat\u00f2ria segons conveni.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntes_frequents\"><\/span>Preguntes freq\u00fcents<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">L&#8217;asseguran\u00e7a de vida col\u00b7lectiva substitueix l&#8217;asseguran\u00e7a d&#8217;accidents del conveni?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">No necess\u00e0riament. Si el conveni exigeix expl\u00edcitament una asseguran\u00e7a d&#8217;accidents amb determinades cobertures \u2014incloent-hi indemnitzaci\u00f3 di\u00e0ria per baixa\u2014, l&#8217;asseguran\u00e7a de vida no la substitueix. S\u00f3n productes complementaris. Si el conveni exigeix nom\u00e9s un capital per defunci\u00f3 o incapacitat per accident, en alguns casos una asseguran\u00e7a de vida col\u00b7lectiva amb cobertures equivalents pot satisfer aquesta exig\u00e8ncia. Consulta amb el teu assessor jur\u00eddic el conveni aplicable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Qu\u00e8 passa si no contracto l&#8217;asseguran\u00e7a d&#8217;accidents obligat\u00f2ria per conveni?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;incompliment d&#8217;una obligaci\u00f3 establerta en conveni col\u00b7lectiu pot donar lloc a reclamacions laborals per part dels treballadors afectats i a sancions administratives. En cas de sinistre sense cobertura, l&#8217;empresa podria ser responsable del pagament de les indemnitzacions establertes al conveni.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">S\u00f3n dedu\u00efbles totes dues assegurances a l&#8217;Impost de Societats?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, totes dues s\u00f3n dedu\u00efbles com a despesa de personal a l&#8217;IS sempre que estiguin correctament registrades en comptabilitat i responguin a una retribuci\u00f3 efectiva del treballador. El detall fiscal \u00e9s a l&#8217;article <a href=\"https:\/\/www.mgc.es\/ca\/?p=39156\">com desgravar l&#8217;asseguran\u00e7a de vida per a aut\u00f2noms i empreses<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pot un mateix empleat cobrar l&#8217;asseguran\u00e7a de vida i la pensi\u00f3 de l&#8217;INSS simult\u00e0niament?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. El capital de l&#8217;asseguran\u00e7a de vida privada i la pensi\u00f3 p\u00fablica d&#8217;incapacitat de la Seguretat Social s\u00f3n totalment compatibles i es poden percebre simult\u00e0niament. El mateix s&#8217;aplica per a la indemnitzaci\u00f3 per accident laboral reconeguda per conveni.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Quina asseguran\u00e7a t\u00e9 m\u00e9s impacte en la retenci\u00f3 de talent?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;asseguran\u00e7a de vida col\u00b7lectiva t\u00e9 un impacte emocional significativament superior perqu\u00e8 cobreix els riscos vitals m\u00e9s profunds \u2014incloent-hi malalties greus\u2014 i \u00e9s percebuda per la fam\u00edlia de l&#8217;empleat, no nom\u00e9s per ell. L&#8217;asseguran\u00e7a d&#8217;accidents \u00e9s una obligaci\u00f3 que els empleats donen per descomptada; l&#8217;asseguran\u00e7a de vida \u00e9s un benefici que diferencia l&#8217;empresa com a ocupador. M\u00e9s detall a l&#8217;article sobre <a href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-vida-collectiva-fidelitza-plantilla\/\">per qu\u00e8 l&#8217;asseguran\u00e7a de vida col\u00b7lectiva fidelitza la plantilla<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Analitza_quines_polisses_necessita_la_teva_empresa\"><\/span>Analitza quines p\u00f2lisses necessita la teva empresa<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A MGC Mutua t&#8217;ajudem a revisar qu\u00e8 obliga el teu conveni col\u00b7lectiu i quina cobertura volunt\u00e0ria t\u00e9 m\u00e9s sentit per a la teva plantilla i el teu pressupost. Com a entitat sense \u00e0nim de lucre, el nostre objectiu \u00e9s que cada empresa tingui exactament la cobertura que necessita, sense m\u00e9s ni menys. Sol\u00b7licita informaci\u00f3 al 931 221 550 o a <a href=\"https:\/\/www.mgc.es\/ca\/empreses\/\">mgc.es\/empreses<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&#8217;asseguran\u00e7a d&#8217;accidents pot ser obligat\u00f2ria per conveni, per\u00f2 nom\u00e9s cobreix accidents; l&#8217;asseguran\u00e7a de vida col\u00b7lectiva cobreix tamb\u00e9 malaltia i fidelitza l&#8217;equip. Comparem totes dues i expliquem quan conv\u00e9 contractar-les.<\/p>\n","protected":false},"author":3,"featured_media":40537,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16,188],"tags":[],"class_list":["post-40512","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances","category-seguros"],"featured_image_src":"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/07\/seguro-vida-vs-seguro-accidentes-empresa.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 v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Asseguran\u00e7a de vida vs. asseguran\u00e7a d&#039;accidents per a empreses<\/title>\n<meta name=\"description\" content=\"Asseguran\u00e7a de vida o d&#039;accidents per a la teva empresa? Descobreix en qu\u00e8 es diferencien, quina \u00e9s obligat\u00f2ria i per qu\u00e8 combinar-les.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/\" \/>\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 vs. asseguran\u00e7a d&#039;accidents per a empreses\" \/>\n<meta property=\"og:description\" content=\"Asseguran\u00e7a de vida o d&#039;accidents per a la teva empresa? Descobreix en qu\u00e8 es diferencien, quina \u00e9s obligat\u00f2ria i per qu\u00e8 combinar-les.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/\" \/>\n<meta property=\"og:site_name\" content=\"MGC M\u00fatua\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/mgcmutua\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-15T07:00:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/07\/seguro-vida-vs-seguro-accidentes-empresa.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"900\" \/>\n\t<meta property=\"og:image:height\" content=\"600\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Revista Inter\u00e8s Mutu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@mgcmutua\" \/>\n<meta name=\"twitter:site\" content=\"@mgcmutua\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Revista Inter\u00e8s Mutu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minuts\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Asseguran\u00e7a de vida vs. asseguran\u00e7a d'accidents per a empreses","description":"Asseguran\u00e7a de vida o d'accidents per a la teva empresa? Descobreix en qu\u00e8 es diferencien, quina \u00e9s obligat\u00f2ria i per qu\u00e8 combinar-les.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/","og_locale":"ca_ES","og_type":"article","og_title":"Asseguran\u00e7a de vida vs. asseguran\u00e7a d'accidents per a empreses","og_description":"Asseguran\u00e7a de vida o d'accidents per a la teva empresa? Descobreix en qu\u00e8 es diferencien, quina \u00e9s obligat\u00f2ria i per qu\u00e8 combinar-les.","og_url":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/","og_site_name":"MGC M\u00fatua","article_publisher":"https:\/\/www.facebook.com\/mgcmutua","article_published_time":"2026-07-15T07:00:00+00:00","og_image":[{"width":900,"height":600,"url":"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/07\/seguro-vida-vs-seguro-accidentes-empresa.jpg","type":"image\/jpeg"}],"author":"Revista Inter\u00e8s Mutu","twitter_card":"summary_large_image","twitter_creator":"@mgcmutua","twitter_site":"@mgcmutua","twitter_misc":{"Escrit per":"Revista Inter\u00e8s Mutu","Temps estimat de lectura":"6 minuts"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":["Article","BlogPosting"],"@id":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/#article","isPartOf":{"@id":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/"},"author":{"name":"Revista Inter\u00e8s Mutu","@id":"https:\/\/www.mgc.es\/#\/schema\/person\/010c961d9c9acf38f11187a02b646c16"},"headline":"Asseguran\u00e7a de vida vs. asseguran\u00e7a d&#8217;accidents per a empreses: quina p\u00f2lissa necessita el teu equip?","datePublished":"2026-07-15T07:00:00+00:00","mainEntityOfPage":{"@id":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/"},"wordCount":1300,"publisher":{"@id":"https:\/\/www.mgc.es\/#organization"},"image":{"@id":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/#primaryimage"},"thumbnailUrl":"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/07\/seguro-vida-vs-seguro-accidentes-empresa.jpg","articleSection":["Sector assegurances","Sector seguros"],"inLanguage":"ca"},{"@type":["WebPage","ItemPage"],"@id":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/","url":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/","name":"Asseguran\u00e7a de vida vs. asseguran\u00e7a d'accidents per a empreses","isPartOf":{"@id":"https:\/\/www.mgc.es\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/#primaryimage"},"image":{"@id":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/#primaryimage"},"thumbnailUrl":"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/07\/seguro-vida-vs-seguro-accidentes-empresa.jpg","datePublished":"2026-07-15T07:00:00+00:00","description":"Asseguran\u00e7a de vida o d'accidents per a la teva empresa? Descobreix en qu\u00e8 es diferencien, quina \u00e9s obligat\u00f2ria i per qu\u00e8 combinar-les.","breadcrumb":{"@id":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/#breadcrumb"},"inLanguage":"ca","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/"]}]},{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/#primaryimage","url":"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/07\/seguro-vida-vs-seguro-accidentes-empresa.jpg","contentUrl":"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/07\/seguro-vida-vs-seguro-accidentes-empresa.jpg","width":900,"height":600},{"@type":"BreadcrumbList","@id":"https:\/\/www.mgc.es\/blog\/seguro-vida-vs-seguro-accidentes-empresas\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.mgc.es\/ca\/"},{"@type":"ListItem","position":2,"name":"Asseguran\u00e7a de vida vs. asseguran\u00e7a d&#8217;accidents per a empreses: quina p\u00f2lissa necessita el teu equip?"}]},{"@type":"WebSite","@id":"https:\/\/www.mgc.es\/#website","url":"https:\/\/www.mgc.es\/","name":"MGC M\u00fatua","description":"MGC M\u00fatua \u00e9s una entitat asseguradora sense \u00e0nim de lucre constitu\u00efda al 1982 i especialitzada en assegurances de salut i assist\u00e8ncia.","publisher":{"@id":"https:\/\/www.mgc.es\/#organization"},"alternateName":"MGC","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.mgc.es\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"ca"},{"@type":"Organization","@id":"https:\/\/www.mgc.es\/#organization","name":"MGC Mutua","alternateName":"MGC","url":"https:\/\/www.mgc.es\/","logo":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/www.mgc.es\/#\/schema\/logo\/image\/","url":"https:\/\/www.mgc.es\/wp-content\/uploads\/2020\/03\/mgcmutua_h2_2t_reduccions.png","contentUrl":"https:\/\/www.mgc.es\/wp-content\/uploads\/2020\/03\/mgcmutua_h2_2t_reduccions.png","width":303,"height":165,"caption":"MGC Mutua"},"image":{"@id":"https:\/\/www.mgc.es\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/mgcmutua","https:\/\/x.com\/mgcmutua","https:\/\/www.youtube.com\/c\/MGCMutua"]},{"@type":"Person","@id":"https:\/\/www.mgc.es\/#\/schema\/person\/010c961d9c9acf38f11187a02b646c16","name":"Revista Inter\u00e8s Mutu","image":{"@type":"ImageObject","inLanguage":"ca","@id":"https:\/\/secure.gravatar.com\/avatar\/52302d684339b9d7bf5691e2ad00835d62ce3b4a435f21ca9f21fbe39c63cb1b?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/52302d684339b9d7bf5691e2ad00835d62ce3b4a435f21ca9f21fbe39c63cb1b?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/52302d684339b9d7bf5691e2ad00835d62ce3b4a435f21ca9f21fbe39c63cb1b?s=96&d=mm&r=g","caption":"Revista Inter\u00e8s Mutu"}}]}},"_links":{"self":[{"href":"https:\/\/www.mgc.es\/ca\/wp-json\/wp\/v2\/posts\/40512","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mgc.es\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mgc.es\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mgc.es\/ca\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mgc.es\/ca\/wp-json\/wp\/v2\/comments?post=40512"}],"version-history":[{"count":2,"href":"https:\/\/www.mgc.es\/ca\/wp-json\/wp\/v2\/posts\/40512\/revisions"}],"predecessor-version":[{"id":40540,"href":"https:\/\/www.mgc.es\/ca\/wp-json\/wp\/v2\/posts\/40512\/revisions\/40540"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mgc.es\/ca\/wp-json\/wp\/v2\/media\/40537"}],"wp:attachment":[{"href":"https:\/\/www.mgc.es\/ca\/wp-json\/wp\/v2\/media?parent=40512"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mgc.es\/ca\/wp-json\/wp\/v2\/categories?post=40512"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mgc.es\/ca\/wp-json\/wp\/v2\/tags?post=40512"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}