{"id":28050,"date":"2026-06-16T12:48:39","date_gmt":"2026-06-16T10:48:39","guid":{"rendered":"https:\/\/www.elcol-legi.org\/w\/?p=28050"},"modified":"2026-06-16T13:01:43","modified_gmt":"2026-06-16T11:01:43","slug":"sinistre-dinvalidessa","status":"publish","type":"post","link":"https:\/\/www.elcol-legi.org\/w\/sinistre-dinvalidessa\/","title":{"rendered":"Sinistre d’invalidessa"},"content":{"rendered":"

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

Siniestro d’invalidessa absoluta i vig\u00e8ncia de la p\u00f2lissa<\/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=””]Comentari a la sent\u00e8ncia del Tribunal Suprem<\/em>[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1781607636854{margin-bottom: 20px !important;}”]<\/p>\n

Sinistre d\u2019 invalidessa absoluta i vig\u00e8ncia de la p\u00f2lissa: comentari a la Sent\u00e8ncia del<\/p>\n

Tribunal Suprem n\u00fam.283\/2026 de 23.2.26.<\/p>\n

1.- Antecedents i s\u00edntesi de la q\u00fcesti\u00f3 examinada<\/p>\n

En el cas examinat per la sent\u00e8ncia referenciada, un assegurat de vida i invalidesa absoluta vinculada a un pr\u00e9stec hipotecari i subscrita el 22.12.26, va patir durant la vig\u00e8ncia de la p\u00f2lissa una malaltia invalidant que va determinar la seva invalidesa absoluta i posterior mort quan ja la p\u00f2lissa no estava en vigor. L\u00f2gicament, es discutia entre les parts, hereus contra asseguradora el dret de la prestaci\u00f3 des del moment de la invalidesa.<\/p>\n

2.- Consideracions i resposta<\/p>\n

El TS recorda que conforme a la seva jurisprud\u00e8ncia quan no s\u2019assegura un accident el fet generador del sinistre \u00e9s la resoluci\u00f3 administrativa del INSS o judicial declarant la invalidesa, essent la malaltia el fet generador del risc. Feta aquesta i altres consideracions extenses, per\u00f2 de menor import\u00e0ncia, el TS considera que l\u2019assegurat va actuar correctament deixant de pagar la prima un cop diagnosticada la malaltia, encara que no compt\u00e9s encara amb la resoluci\u00f3 administrativa d\u2019invalidesa. Aix\u00f2 no significa que sempre pugui fer-se aix\u00ed, perqu\u00e8 pot comportar perduda del dret a la cobertura.<\/p>\n

 <\/p>\n

Accedir a la noticia en la seva totalitat (per col\u00b7legiats)<\/p>\n

https:\/\/www.elcol-legi.org\/w\/download\/nota-ass-juridica-08-2026-sinistre-dinvaliessa-absoluta-i-vigencia-de-la-polissa\/[\/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

\u00daltimes not\u00edcies<\/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 d’invalidessa absoluta i vig\u00e8ncia de la p\u00f2lissa [\/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=””]Comentari a la sent\u00e8ncia del Tribunal Suprem[\/vc_column_text][vc_single_image source=”featured_image” img_size=”850×350″][vc_column_text css=”.vc_custom_1781607636854{margin-bottom: 20px !important;}”] Sinistre d\u2019 invalidessa absoluta i vig\u00e8ncia de la p\u00f2lissa: comentari a la Sent\u00e8ncia del Tribunal Suprem n\u00fam.283\/2026 de 23.2.26. 1.- Antecedents i s\u00edntesi de la q\u00fcesti\u00f3<\/p>\n","protected":false},"author":562,"featured_media":28051,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[2196],"class_list":["post-28050","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticies","tag-mn-300"],"yoast_head":"\nSinistre d'invalidessa - 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