{"id":28055,"date":"2026-06-16T12:59:33","date_gmt":"2026-06-16T10:59:33","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/siniestro-de-invalidez\/"},"modified":"2026-06-16T13:11:31","modified_gmt":"2026-06-16T11:11:31","slug":"siniestro-de-invalidez","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/es\/siniestro-de-invalidez\/","title":{"rendered":"Siniestro de invalidez"},"content":{"rendered":"

[vc_row][vc_column width=”3\/4″][vc_column_text css=””]<\/p>\n

Siniestro de invalidez absoluta y vigencia de la p\u00f3liza<\/h2>\n

[\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]18\/06\/26<\/em>[\/vc_column_text][vc_column_text css=””]Comentario a la sentencia del Tribunal Suprem<\/em>[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1781606443715{margin-bottom: 20px !important;}”]<\/p>\n

Siniestro de invalidez absoluta y vigencia de la p\u00f3liza: comentario a la Sentencia del Tribunal Supremo n\u00fam. 283\/2026, de 23 de febrero de 2026<\/b><\/b><\/p>\n

 <\/p>\n

1.- Antecedentes y s\u00edntesis de la cuesti\u00f3n examinada<\/b><\/p>\n

 <\/p>\n

En el caso analizado por la sentencia de referencia, un asegurado con una p\u00f3liza de vida e invalidez absoluta vinculada a un pr\u00e9stamo hipotecario, suscrita el 22 de diciembre de 2016, sufri\u00f3 durante la vigencia del contrato una enfermedad incapacitante que deriv\u00f3 en una situaci\u00f3n de invalidez absoluta y, posteriormente, en su fallecimiento, cuando la p\u00f3liza ya no se encontraba en vigor.<\/p>\n

 <\/p>\n

L\u00f3gicamente, la controversia entre las partes \u2014los herederos del asegurado y la entidad aseguradora\u2014 se centraba en determinar si exist\u00eda derecho a percibir la prestaci\u00f3n desde el momento en que se produjo la invalidez.<\/p>\n

 <\/p>\n

2.- Consideraciones y respuesta<\/b><\/p>\n

 <\/p>\n

El Tribunal Supremo recuerda que, de acuerdo con su doctrina jurisprudencial, cuando no se asegura un accidente, el hecho determinante del siniestro es la resoluci\u00f3n administrativa del INSS o, en su caso, la resoluci\u00f3n judicial que declara la invalidez, siendo la enfermedad el hecho generador del riesgo.<\/p>\n

 <\/p>\n

Tras efectuar otras consideraciones de menor relevancia, el Alto Tribunal entiende que el asegurado actu\u00f3 correctamente al dejar de abonar la prima una vez diagnosticada la enfermedad, aun cuando todav\u00eda no contara con la resoluci\u00f3n administrativa que reconoc\u00eda la invalidez.<\/p>\n

 <\/p>\n

No obstante, ello no significa que esta actuaci\u00f3n pueda generalizarse a todos los supuestos, ya que podr\u00eda comportar la p\u00e9rdida del derecho a la cobertura.<\/p>\n

 <\/p>\n

Acceder a la noticia completa (solo para colegiados):<\/b><\/p>\n

 <\/p>\n

https:\/\/www.elcol-legi.org\/w\/download\/nota-ass-juridica-08-2026-sinistre-dinvaliessa-absoluta-i-vigencia-de-la-polissa\/<\/a><\/span><\/p>\n

[\/vc_column_text][vc_row_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][vc_column_inner width=”1\/6″][\/vc_column_inner][\/vc_row_inner][\/vc_column][vc_column width=”1\/4″][stm_spacing lg_spacing=”50″ md_spacing=”50″ sm_spacing=”50″ xs_spacing=”50″][vc_column_text]<\/p>\n

\u00daltimas noticias<\/h2>\n

[\/vc_column_text][stm_news loop=”size:4|order_by:date|order:DESC|post_type:post|categories:8″ posts_per_row=”2″][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"

[vc_row][vc_column width=”3\/4″][vc_column_text css=””] Siniestro de invalidez absoluta y vigencia de la p\u00f3liza [\/vc_column_text][stm_spacing lg_spacing=”6″ md_spacing=”6″ sm_spacing=”6″ xs_spacing=”6″][vc_column_text css=””]18\/06\/26[\/vc_column_text][vc_column_text css=””]Comentario a la sentencia del Tribunal Suprem[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1781606443715{margin-bottom: 20px !important;}”] Siniestro de invalidez absoluta y vigencia de la p\u00f3liza: comentario a la Sentencia del Tribunal Supremo n\u00fam. 283\/2026, de 23 de febrero de 2026  <\/p>\n","protected":false},"author":562,"featured_media":28053,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[2197],"class_list":["post-28055","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-es-noticias","tag-mn-300"],"yoast_head":"\nSiniestro de invalidez - 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