{"id":27640,"date":"2026-05-19T11:20:32","date_gmt":"2026-05-19T09:20:32","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=27640"},"modified":"2026-05-19T11:20:32","modified_gmt":"2026-05-19T09:20:32","slug":"cultura-asseguradora-assignatura-pendent","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/cultura-asseguradora-assignatura-pendent\/","title":{"rendered":"Cultura asseguradora: assignatura pendent"},"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<h2 class=\"p1\"><b>Cultura asseguradora: la gran assignatura pendent<\/b><br \/>\n<b><\/b><\/h2>\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>21\/05\/2026<\/em>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p class=\"p1\"><em>Nom\u00e9s un de cada tres espanyols ent\u00e9n conceptes b\u00e0sics de l\u2019asseguran\u00e7a<\/em><\/p>\n<p>[\/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_1779181896559{margin-bottom: 20px !important;}&#8221;]<\/p>\n<p class=\"p1\">L\u2019asseguran\u00e7a forma part del dia a dia de milions de persones. Llar, autom\u00f2bil, salut, vida, responsabilitat civil o estalvi s\u00f3n productes presents en la vida quotidiana de fam\u00edlies i empreses. Tot i aix\u00f2, el nivell general de comprensi\u00f3 continua sent sorprenentment baix. Un estudi recent impulsat per Mapfre i elaborat per YouGov posa xifres a una realitat que el sector coneix des de fa anys: nom\u00e9s un de cada tres espanyols afirma entendre correctament conceptes b\u00e0sics del m\u00f3n assegurador, com ara prima o franqu\u00edcia.<\/p>\n<p class=\"p1\">La dada \u00e9s especialment rellevant si es t\u00e9 en compte el pes econ\u00f2mic i social de l\u2019asseguran\u00e7a i el seu paper com a eina essencial de protecci\u00f3 financera. L\u2019informe evidencia una bretxa significativa entre contractaci\u00f3 i comprensi\u00f3: els ciutadans contracten assegurances, per\u00f2 no sempre entenen exactament qu\u00e8 estan comprant.<\/p>\n<p class=\"p2\"><b>Prima, franqu\u00edcia i exclusions: conceptes encara confusos<\/b><\/p>\n<p class=\"p1\">Segons l\u2019estudi, \u00fanicament un 31,9% dels enquestats afirma comprendre b\u00e9 qu\u00e8 \u00e9s una prima, mentre que un 31,3% diu entendre correctament el concepte de franqu\u00edcia. S\u00f3n percentatges molt baixos per a termes absolutament estructurals en la contractaci\u00f3 asseguradora.<\/p>\n<p class=\"p1\">La situaci\u00f3 millora lleugerament en conceptes una mica m\u00e9s intu\u00eftius, com cobertures (50,9%), exclusions (47,8%) o valor assegurat (43,5%). Tot i aix\u00ed, ni tan sols aquests termes assoleixen nivells de comprensi\u00f3 plenament satisfactoris.<\/p>\n<p class=\"p1\">La conclusi\u00f3 \u00e9s clara: una part important de la poblaci\u00f3 conviu amb assegurances sense con\u00e8ixer adequadament els l\u00edmits, l\u2019abast o el funcionament real de les seves p\u00f2lisses. I aix\u00f2 t\u00e9 conseq\u00fc\u00e8ncies.<\/p>\n<p class=\"p1\">Moltes insatisfaccions del client no neixen d\u2019un mal producte, sin\u00f3 d\u2019expectatives incorrectes. El problema apareix quan l\u2019assegurat descobreix, en el moment d\u2019un sinistre, que no entenia realment all\u00f2 que havia contractat.<\/p>\n<p class=\"p1\">Espanya presenta una penetraci\u00f3 asseguradora elevada en determinats rams. Els productes m\u00e9s compresos s\u00f3n, precisament, els m\u00e9s estesos: autom\u00f2bil i moto (82%), llar (80%) i salut (70%). La familiaritat i recurr\u00e8ncia expliquen part d\u2019aquest major coneixement.<\/p>\n<p class=\"p1\">Tanmateix, quan augmenta la complexitat o disminueix l\u2019exposici\u00f3, la comprensi\u00f3 cau dr\u00e0sticament:<\/p>\n<ul class=\"ul1\">\n<li class=\"li3\">assegurances de dispositius: 48%<\/li>\n<li class=\"li3\">responsabilitat civil: 47%<\/li>\n<li class=\"li3\">vida-estalvi: 35%<\/li>\n<li class=\"li3\">protecci\u00f3 de pagaments: 24%<\/li>\n<\/ul>\n<p class=\"p1\">\u00c9s a dir, precisament aquells productes on l\u2019assessorament resulta m\u00e9s rellevant s\u00f3n els menys entesos pel consumidor mitj\u00e0.<\/p>\n<p class=\"p2\"><b>Bretxa generacional<\/b><\/p>\n<p class=\"p1\">L\u2019estudi tamb\u00e9 revela una bretxa generacional significativa. A mesura que augmenta l\u2019edat, millora el coneixement assegurador. En alguns conceptes, els nivells de comprensi\u00f3 dels <i>baby boomers<\/i> arriben a triplicar els de la generaci\u00f3 Z.<\/p>\n<p class=\"p1\">Aix\u00f2 respon a diversos factors: m\u00e9s experi\u00e8ncia vital, m\u00e9s exposici\u00f3 a la contractaci\u00f3, major patrimoni assegurat i necessitat progressiva de productes m\u00e9s sofisticats.<\/p>\n<p class=\"p1\">En canvi, els joves presenten menor familiaritat amb conceptes financers i asseguradors malgrat moure\u2019s millor en entorns digitals. Paradoxalment, s\u00f3n generacions hiperconnectades per\u00f2 insuficientment alfabetitzades en protecci\u00f3 financera. Aquesta realitat representa un repte estructural per al sector.<\/p>\n<p class=\"p1\">Part del problema no recau \u00fanicament en el consumidor. El sector arrossega encara d\u00e8ficits hist\u00f2rics de comunicaci\u00f3. Documentaci\u00f3 extensa, llenguatge jur\u00eddic, condicionats complexos i exc\u00e9s de tecnicismes dificulten la comprensi\u00f3 real.<\/p>\n<p class=\"p1\">L\u2019asseguran\u00e7a \u00e9s, per naturalesa, un producte t\u00e8cnic. Per\u00f2 t\u00e8cnic no hauria d\u2019equivaler a opac.<\/p>\n<p class=\"p1\">La creixent sofisticaci\u00f3 dels productes fa encara m\u00e9s urgent simplificar explicaci\u00f3 i pedagogia. No n\u2019hi ha prou amb complir formalment les obligacions informatives. Cal aconseguir una comprensi\u00f3 efectiva.<\/p>\n<p class=\"p2\"><b>El paper diferencial del mediador<\/b><\/p>\n<p class=\"p1\">Aquest context refor\u00e7a extraordin\u00e0riament el valor de corredors i agents. Quan el client no compr\u00e8n adequadament els productes, el mediador deixa de ser un mer distribu\u00efdor per convertir-se en traductor de complexitat.<\/p>\n<p class=\"p1\">La seva funci\u00f3 consisteix, precisament, a explicar cobertures, contextualitzar exclusions, ajustar necessitats, prevenir infraassegurament i, sobretot, acompanyar decisions.<\/p>\n<p class=\"p1\">En un entorn de baixa cultura asseguradora, l\u2019assessorament hum\u00e0 guanya rellev\u00e0ncia estrat\u00e8gica. El veritable avantatge competitiu del mediador no resideix nom\u00e9s en l\u2019acc\u00e9s al producte, sin\u00f3 en la seva capacitat pedag\u00f2gica.<\/p>\n<p class=\"p1\">Ajuda el client a comprendre qu\u00e8 contracta, per qu\u00e8 ho contracta i quan realment el protegeix. Aix\u00f2 redueix conflictes, millora l\u2019experi\u00e8ncia i refor\u00e7a la confian\u00e7a.<\/p>\n<p class=\"p1\">L\u2019estudi de Mapfre amplia tamb\u00e9 el focus cap a l\u2019educaci\u00f3 financera general. Tot i que el 63% considera molt important l\u2019educaci\u00f3 financera i el 83% es mostra confiat gestionant les seves finances, el nivell de coneixement autoavaluat amb prou feines arriba a un 5,5 sobre 10.<\/p>\n<p class=\"p1\">Existeix, per tant, una clara disson\u00e0ncia entre percepci\u00f3 i realitat. Molts ciutadans creuen dominar conceptes financers b\u00e0sics sense fer-ho realment. Aix\u00f2 afecta no nom\u00e9s l\u2019asseguran\u00e7a, sin\u00f3 tamb\u00e9 l\u2019estalvi, la inversi\u00f3, la jubilaci\u00f3 i l\u2019endeutament.<\/p>\n<p class=\"p1\">Nom\u00e9s un 32,8% est\u00e0 preparant activament la seva jubilaci\u00f3, tot i que gaireb\u00e9 la meitat voldria comen\u00e7ar a fer-ho. La manca de cultura financera i asseguradora limita la capacitat de previsi\u00f3.<\/p>\n<p class=\"p1\">M\u00e9s enll\u00e0 del diagn\u00f2stic, aquestes dades representen tamb\u00e9 una oportunitat. Hi ha un marge enorme per refor\u00e7ar la relaci\u00f3 amb el client a trav\u00e9s de l\u2019educaci\u00f3.<\/p>\n<p class=\"p1\">Entitats i mediadors poden aportar valor mitjan\u00e7ant continguts pedag\u00f2gics, revisions peri\u00f2diques de p\u00f2lisses, assessorament preventiu, simplificaci\u00f3 documental i formaci\u00f3 digital.<\/p>\n<p class=\"p1\">La cultura asseguradora no hauria d\u2019activar-se nom\u00e9s despr\u00e9s d\u2019un sinistre. S\u2019ha de construir abans.<\/p>\n<p class=\"p1\">L\u2019asseguran\u00e7a compleix una funci\u00f3 social essencial: protegir l\u2019estabilitat econ\u00f2mica davant les incerteses. Per\u00f2 aquesta protecci\u00f3 perd efic\u00e0cia si el client no compr\u00e8n prou b\u00e9 all\u00f2 que contracta.<\/p>\n<p class=\"p1\">La confian\u00e7a no neix \u00fanicament de pagar sinistres. Tamb\u00e9 neix de la comprensi\u00f3.<\/p>\n<p class=\"p1\">Entendre qu\u00e8 cobreix una p\u00f2lissa, quins s\u00f3n els seus l\u00edmits i com funciona un producte genera seguretat psicol\u00f2gica i satisfacci\u00f3.<\/p>\n<p class=\"p1\">El repte del sector no \u00e9s \u00fanicament vendre m\u00e9s assegurances. \u00c9s aconseguir que els clients les entenguin millor. I en aquest objectiu, la mediaci\u00f3 professional t\u00e9 probablement un dels seus arguments de valor m\u00e9s potents de cara al futur.<\/p>\n<p>[\/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;] Cultura asseguradora: la gran assignatura pendent [\/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;]21\/05\/2026[\/vc_column_text][vc_column_text css=&#8221;&#8221;] Nom\u00e9s un de cada tres espanyols ent\u00e9n conceptes b\u00e0sics de l\u2019asseguran\u00e7a [\/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_1779181896559{margin-bottom: 20px !important;}&#8221;] L\u2019asseguran\u00e7a forma part del dia a dia de milions de persones. Llar, autom\u00f2bil, salut, vida, responsabilitat civil o estalvi s\u00f3n productes presents<\/p>\n","protected":false},"author":562,"featured_media":27641,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2183,1868],"class_list":["post-27640","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mednews-298","tag-mn-2"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cultura asseguradora: assignatura pendent - Col-legi de Mediadors d&#039;Assegurances de Barcelona<\/title>\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.elcol-legi.org\/w\/cultura-asseguradora-assignatura-pendent\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cultura asseguradora: assignatura pendent - Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"og:description\" content=\"[vc_row][vc_column width=&#8221;3\/4&#8243;][vc_column_text css=&#8221;&#8221;] Cultura asseguradora: la gran assignatura pendent [\/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;]21\/05\/2026[\/vc_column_text][vc_column_text css=&#8221;&#8221;] Nom\u00e9s un de cada tres espanyols ent\u00e9n conceptes b\u00e0sics de l\u2019asseguran\u00e7a [\/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_1779181896559{margin-bottom: 20px !important;}&#8221;] L\u2019asseguran\u00e7a forma part del dia a dia de milions de persones. Llar, autom\u00f2bil, salut, vida, responsabilitat civil o estalvi s\u00f3n productes presents\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.elcol-legi.org\/w\/cultura-asseguradora-assignatura-pendent\/\" \/>\n<meta property=\"og:site_name\" content=\"Col-legi de Mediadors d&#039;Assegurances de Barcelona\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-19T09:20:32+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.elcol-legi.org\/w\/wp-content\/uploads\/2026\/05\/guy-stevens-dEGu-oCuB1Y-unsplash-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1709\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Marc Alcaraz\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Escrit per\" \/>\n\t<meta name=\"twitter:data1\" content=\"Marc Alcaraz\" \/>\n\t<meta name=\"twitter:label2\" content=\"Temps estimat de lectura\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minuts\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/cultura-asseguradora-assignatura-pendent\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/cultura-asseguradora-assignatura-pendent\\\/\"},\"author\":{\"name\":\"Marc Alcaraz\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/#\\\/schema\\\/person\\\/4283d40fbd72a940d5fff484fe5ec410\"},\"headline\":\"Cultura asseguradora: assignatura pendent\",\"datePublished\":\"2026-05-19T09:20:32+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/cultura-asseguradora-assignatura-pendent\\\/\"},\"wordCount\":1158,\"image\":{\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/cultura-asseguradora-assignatura-pendent\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/wp-content\\\/uploads\\\/2026\\\/05\\\/guy-stevens-dEGu-oCuB1Y-unsplash-scaled.jpg\",\"keywords\":[\"MedNews 298\",\"MN\"],\"articleSection\":[\"Not\u00edcies\"],\"inLanguage\":\"ca\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/cultura-asseguradora-assignatura-pendent\\\/\",\"url\":\"https:\\\/\\\/www.elcol-legi.org\\\/w\\\/cultura-asseguradora-assignatura-pendent\\\/\",\"name\":\"Cultura asseguradora: assignatura pendent - 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