{"id":19084,"date":"2024-07-11T02:53:42","date_gmt":"2024-07-11T00:53:42","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=19084"},"modified":"2024-07-11T03:44:55","modified_gmt":"2024-07-11T01:44:55","slug":"los-bancos-ofrecen-seguros-mas-caros","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/es\/los-bancos-ofrecen-seguros-mas-caros\/","title":{"rendered":"Los bancos ofrecen seguros m\u00e1s caros"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;3\/4&#8243;][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]<strong>Un estudio se\u00f1ala que la prima por un producto de vida riesgo es un 65% m\u00e1s cara si se contrata a trav\u00e9s de una entidad bancaria.\u00a0<\/strong>[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1720659057597{margin-bottom: 20px !important;}&#8221;]Los bancos venden los seguros m\u00e1s caros que las compa\u00f1\u00edas, seg\u00fan un informe realizado por Inese Data y Global Actuarial. Para la realizaci\u00f3n de este estudio se han analizado\u00a0las ofertas de 25 entidades (siete bancos y dieciocho 18 compa\u00f1\u00edas) y el resultado se\u00f1ala\u00a0\u00a0que la diferencia en el precio de los seguros llega en ocasiones a ser de hasta 200 euros m\u00e1s caros si se adquiere en un banco.<\/p>\n<p>Esta investigaci\u00f3n, recogida en el\u00a0<i>Estudio comparativo de primas del seguro de vida riesgo 2024<\/i>, se\u00f1ala que de media,\u00a0una p\u00f3liza de vida riesgo resulta un 65% m\u00e1s cara si la contrataci\u00f3n se efect\u00faa a trav\u00e9s de un banco. Esta abismal diferencia se observa tambi\u00e9n en otros productos del mismo segmento. Por ejemplo, asegurar un capital de 30.000 euros con coberturas de fallecimiento e invalidez permanente absoluta para clientes que est\u00e1n entre los 35 y 50 a\u00f1os, tiene un coste medio a trav\u00e9s de la compa\u00f1\u00eda inferior a los 100 euros. Comprado el mismo producto en un banco, el precio est\u00e1 por encima de los 167 euros.<\/p>\n<p>Si hacemos el ejercicio de ir aumentando el capital asegurado, los valores absolutos crecen y la diferencia en los porcentajes, tambi\u00e9n. As\u00ed podemos ver que hay primas 230 euros y un 65% m\u00e1s caras en el sector bancario. Pese a que siguen siendo m\u00e1s caros, los bancos han reducido en los dos \u00faltimos a\u00f1os el precio de los seguros que venden, obligados por los bajos niveles de contrataci\u00f3n de hipotecas y por el hecho de vender ambos productos de forma asociada.[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/6&#8243;][vc_tweetmeme][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][vc_column_inner width=&#8221;1\/6&#8243;][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=&#8221;1\/4&#8243;][stm_spacing lg_spacing=&#8221;50&#8243; md_spacing=&#8221;50&#8243; sm_spacing=&#8221;50&#8243; xs_spacing=&#8221;50&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h2>\u00daltimas noticias<\/h2>\n<p>[\/vc_column_text][stm_news loop=&#8221;size:4|order_by:date|order:DESC|post_type:post|categories:8&#8243; posts_per_row=&#8221;2&#8243;][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row][vc_column width=&#8221;3\/4&#8243;][stm_spacing lg_spacing=&#8221;6&#8243; md_spacing=&#8221;6&#8243; sm_spacing=&#8221;6&#8243; xs_spacing=&#8221;6&#8243;][vc_column_text css=&#8221;&#8221;]Un estudio se\u00f1ala que la prima por un producto de vida riesgo es un 65% m\u00e1s cara si se contrata a trav\u00e9s de una entidad bancaria.\u00a0[\/vc_column_text][vc_single_image source=&#8221;featured_image&#8221; img_size=&#8221;850&#215;350&#8243;][vc_column_text css=&#8221;.vc_custom_1720659057597{margin-bottom: 20px !important;}&#8221;]Los bancos venden los seguros m\u00e1s caros que las compa\u00f1\u00edas, seg\u00fan un informe realizado por Inese Data y Global<\/p>\n","protected":false},"author":562,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[161,1867,1976],"class_list":["post-19084","post","type-post","status-publish","format-standard","hentry","category-es-noticias","tag-mediarionews","tag-mn","tag-mn245-es"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - 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