{"id":28950,"date":"2026-10-13T16:05:17","date_gmt":"2026-10-13T14:05:17","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=28950"},"modified":"2026-10-13T16:13:41","modified_gmt":"2026-10-13T14:13:41","slug":"la-calor-principal-risc-climatic","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/es\/la-calor-principal-risc-climatic\/","title":{"rendered":"El calor, principal riesgo clim\u00e1tico"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;]<\/p>\n<h1><strong>El calor extremo, el principal <\/strong><strong>riesgo clim\u00e1tico para el <\/strong><strong>sector asegurador<\/strong><\/h1>\n<p>[\/vc_column_text][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;]<em>15\/10\/26<\/em>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<em>Europa alerta del riesgo del calor extremo provocado por oleadas de temperaturas muy altas<\/em>[\/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_1791900044246{margin-bottom: 20px !important;}&#8221;]<\/p>\n<p class=\"isSelectedEnd\">L\u2019Autoritat Europea d\u2019Assegurances i Pensions de Jubilaci\u00f3 (EIOPA) ha identificat la calor extrema i les onades de calor com el principal risc clim\u00e0tic per al sector de les assegurances de Vida i Salut, aix\u00ed com per als prove\u00efdors de pensions en territori europeu. L\u2019organisme ha presentat un informe en qu\u00e8 alerta dels principals perills per a la ind\u00fastria asseguradora.<\/p>\n<p class=\"isSelectedEnd\">L\u2019informe recorda dades hist\u00f2riques i assenyala que, des de l\u2019any 2000, les onades de calor han causat prop de <strong>300.000 morts a Europa<\/strong>, fet que representa el 97 % de les defuncions provocades per fen\u00f2mens meteorol\u00f2gics extrems. A partir de les dades registrades, EIOPA preveu que les onades de calor augmentaran en freq\u00fc\u00e8ncia, intensitat i durada, i que les morts per calor extrema podrien arribar a nivells comparables als de la pand\u00e8mia de la COVID-19. Finalment, l\u2019informe revela que l\u2019augment dels incendis forestals i la propagaci\u00f3 de malalties transmeses per vectors, com el dengue o la mal\u00e0ria, agreugen els riscos per a la salut.<\/p>\n<p class=\"isSelectedEnd\">Davant d\u2019aquest escenari, els rams m\u00e9s afectats seran les assegurances de despeses m\u00e8diques, les assegurances de protecci\u00f3 d\u2019ingressos, les d\u2019accidents laborals i les de salut en general. Tot i que l\u2019impacte financer immediat \u00e9s <strong>limitat<\/strong> gr\u00e0cies a la cobertura sanit\u00e0ria p\u00fablica i a la diversificaci\u00f3 de les carteres d\u2019inversi\u00f3, EIOPA insta les companyies a integrar aquests riscos emergents en les seves avaluacions a llarg termini.<\/p>\n<h2><strong>El mediador, clau davant d\u2019un risc que evoluciona<\/strong><\/h2>\n<p class=\"isSelectedEnd\">L\u2019aven\u00e7 de la calor extrema planteja tamb\u00e9 un repte per a la mediaci\u00f3 asseguradora. Si el canvi clim\u00e0tic est\u00e0 modificant els patrons de mortalitat, morbiditat i longevitat, tamb\u00e9 est\u00e0 canviant les necessitats de protecci\u00f3 de les persones. EIOPA adverteix que aquests efectes tindran una incid\u00e8ncia desigual segons el tipus de producte i les caracter\u00edstiques de cada cartera, per la qual cosa ser\u00e0 necessari incorporar una visi\u00f3 cada vegada m\u00e9s prospectiva del risc.<\/p>\n<p class=\"isSelectedEnd\">En aquest context, el paper del mediador adquireix una nova dimensi\u00f3. La seva funci\u00f3 no consisteix \u00fanicament a oferir una p\u00f2lissa, sin\u00f3 a <strong>ajudar el client a comprendre com estan evolucionant els seus riscos i quin nivell de protecci\u00f3 necessita davant d\u2019aquest nou escenari<\/strong>. L\u2019edat, la situaci\u00f3 familiar, l\u2019activitat professional, l\u2019estat de salut o les necessitats d\u2019ingressos poden determinar solucions molt diferents davant d\u2019un mateix fenomen clim\u00e0tic.<\/p>\n<p class=\"isSelectedEnd\">La mediaci\u00f3 pot contribuir, a m\u00e9s, a anticipar situacions que encara no formen part de les principals preocupacions de moltes fam\u00edlies. La protecci\u00f3 dels ingressos, la cobertura sanit\u00e0ria, les assegurances de Vida o les solucions vinculades a la depend\u00e8ncia i la longevitat adquireixen una rellev\u00e0ncia creixent en una societat en qu\u00e8 els episodis de calor extrema poden tenir conseq\u00fc\u00e8ncies cada vegada m\u00e9s importants sobre la salut.<\/p>\n<p class=\"isSelectedEnd\">La conclusi\u00f3 \u00e9s clara: <strong>el canvi clim\u00e0tic no nom\u00e9s obliga les asseguradores a revisar els seus models de risc; tamb\u00e9 exigeix als mediadors refor\u00e7ar la seva capacitat d\u2019assessorament<\/strong>. Amb m\u00e9s informaci\u00f3, m\u00e9s prevenci\u00f3 i una visi\u00f3 a llarg termini, el professional pot ajudar a transformar un risc emergent en una decisi\u00f3 de protecci\u00f3 concreta.<\/p>\n<p>Perqu\u00e8 davant de riscos que evolucionen m\u00e9s r\u00e0pidament que la nostra percepci\u00f3, <strong>assessorar no \u00e9s nom\u00e9s respondre quan es produeix el sinistre. Tamb\u00e9 \u00e9s ajudar el client a preparar-se abans que es produeixi<\/strong>. I aqu\u00ed la mediaci\u00f3 professional t\u00e9 un paper essencial.[\/vc_column_text][vc_row_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]<\/p>\n<h2>\u00daltimes not\u00edcies<\/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;][vc_column_text css=&#8221;&#8221;] El calor extremo, el principal riesgo clim\u00e1tico para el sector asegurador [\/vc_column_text][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;]15\/10\/26[\/vc_column_text][vc_column_text css=&#8221;&#8221;]Europa alerta del riesgo del calor extremo provocado por oleadas de temperaturas muy altas[\/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_1791900044246{margin-bottom: 20px !important;}&#8221;] L\u2019Autoritat Europea d\u2019Assegurances i Pensions de Jubilaci\u00f3 (EIOPA) ha identificat la calor extrema i les onades<\/p>\n","protected":false},"author":562,"featured_media":28951,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2100,9],"tags":[2221],"class_list":["post-28950","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nota-de-prensa-es","category-es-noticias","tag-mn-307"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.7 - 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