{"id":18019,"date":"2023-02-01T13:00:08","date_gmt":"2023-02-01T12:00:08","guid":{"rendered":"https:\/\/pibgroupiberia.com\/blog\/es-possible-contractar-una-asseguranca-de-baixa-laboral-sense-mancances\/"},"modified":"2023-02-01T13:00:08","modified_gmt":"2023-02-01T12:00:08","slug":"es-possible-contractar-una-asseguranca-de-baixa-laboral-sense-mancances","status":"publish","type":"post","link":"https:\/\/pibgroupiberia.com\/ca\/blog\/es-possible-contractar-una-asseguranca-de-baixa-laboral-sense-mancances\/","title":{"rendered":"\u00c9s possible contractar una asseguran\u00e7a de baixa laboral sense mancances?"},"content":{"rendered":"<p style=\"text-align: left;\">Una asseguran\u00e7a de baixa laboral per a aut\u00f2noms, com ja hem parlat en m\u00faltiples ocasions, \u00e9s una p\u00f2lissa fonamental en el treballador <strong>aut\u00f2nom<\/strong> . Gr\u00e0cies a aquest tipus de p\u00f2lissa, en cas que el treballador pat\u00eds una malaltia o un accident (laboral o no), podria cobrar una renda durant el per\u00edode corresponent. Aquest complement per a una situaci\u00f3 de baixa encara \u00e9s millor si la companyia d&#8217;assegurances no posa <strong>per\u00edodes de car\u00e8ncia<\/strong> en la seva contractaci\u00f3. En aquest post aprofundim en les opcions d&#8217;asseguran\u00e7a baixa laboral sense car\u00e8ncia, aix\u00ed com els diferents sup\u00f2sits de temps de l&#8217;asseguran\u00e7a de baixa laboral per malalties o embar\u00e0s.   <\/p>\n<p style=\"text-align: center;\"><iframe title=\"YouTube v\u00eddeo player\" src=\"https:\/\/www.youtube.com\/embed\/NGfHRVFhKQM\" width=\"560\" height=\"315\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe><\/p>\n<h2>Per\u00edodes de car\u00e8ncia a l&#8217;asseguran\u00e7a baixa laboral<\/h2>\n<p>La majoria de <a href=\"https:\/\/pibgroupiberia.com\/aseguradoras\">companyies d \u201cassegurances<\/a> , tant a les p\u00f2lisses de baixa com a les assegurances de salut d\u201d aut\u00f2noms, solen imposar un per\u00edode de car\u00e8ncia.<\/p>\n<blockquote><p>El <a href=\"https:\/\/pibgroupiberia.com\/blog\/periodo-carencia\/\"><strong>per\u00edode de<\/strong> <strong>car\u00e8ncia<\/strong><\/a> d&#8217;una asseguran\u00e7a \u00e9s el temps durant el qual, malgrat que la p\u00f2lissa hagi entrat en vigor, la <strong>companyia no donaria cobertura<\/strong> si pass\u00e9s un sinistre relacionat amb la garantia sobre la qual hi ha aquest per\u00edode.<\/p><\/blockquote>\n<p> Per exemple:<\/p>\n<ul>\n<li>A l&#8217; <a href=\"https:\/\/pibgroupiberia.com\/profesionales\/\"><strong>asseguran\u00e7a de salut d&#8217;aut\u00f2noms<\/strong><\/a> se solen fixar <em>entre 8 i 10 mesos<\/em> de car\u00e8ncia per a intervencions quir\u00fargiques. Ja parlem de les <a href=\"\/blog\/el-seguro-de-salud-y-las-campanas-sin-periodo-de-carencia\/\">mancances a l&#8217;asseguran\u00e7a de salut<\/a> fa un temps. <\/li>\n<li>En l&#8217; <a href=\"https:\/\/pibgroupiberia.com\/profesionales\/\"><strong>asseguran\u00e7a de baixa d&#8217;aut\u00f2noms<\/strong><\/a> \u00e9s m\u00e9s freq\u00fcent una mancan\u00e7a d&#8217; <em>entre 2 i 6 mesos<\/em> per a malalties o intervencions quir\u00fargiques. laboral per malalties comunes com la histerectomia abdominal o la ci\u00e0tica dependran daquests factors.  <\/li>\n<\/ul>\n<p><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-30414 size-full aligncenter\" src=\"https:\/\/pibgroupiberia.com\/wp-content\/uploads\/2019\/05\/baja-enfermedad-para-portada.jpg\" alt=\"asseguran\u00e7a baixa laboral sense car\u00e8ncia\" width=\"640\" height=\"426\"><\/p>\n<h2>\u00bf qu\u00e8 les companyies posen per\u00edodes de car\u00e8ncia?<\/h2>\n<p>Ens sembla una pena que calgui establir per\u00edodes de car\u00e8ncia. El motiu pel qual les asseguradores van comen\u00e7ar a imposar-ho \u00e9s perqu\u00e8 moltes vegades es feien altes de p\u00f2lisses i al cap de 15 dies o al cap de poc temps, tenien diagn\u00f2stics de malalties que es podien saber amb antelaci\u00f3. <\/p>\n<p>Aquestes \u201c <em>jugarretes<\/em> \u201d que patien les asseguradores va suposar que com <strong>a mitj\u00e0 preventiu<\/strong> es fixessin aquests mesos inicials d&#8217;asseguran\u00e7a en qu\u00e8, realment, no hi ha cobertura sobre certes q\u00fcestions.<\/p>\n<p style=\"text-align: left;\">La m\u00e9s habitual, en aquest sentit, \u00e9s el per\u00edode de car\u00e8ncia per part, ja que \u00e9s un per\u00edode d\u00bfincapacitat temporal segur, que pagaria la companyia.<\/p>\n<h2 style=\"text-align: left;\">\u00c9s possible evitar-les? Assegurances de baixa laboral sense car\u00e8ncia <\/h2>\n<p>A <a href=\"\/\">PIB Group Iberia<\/a> treballem amb la <strong>millor companyia d \u201cassegurances de baixa laboral<\/strong> , la qual a la seva p\u00f2lissa estrella <strong>no imposa mancances<\/strong> (llevat de la manca de <em>part<\/em> , que \u00e9s ineludible). Per\u00f2 no imposa mancances sobre malalties o intervencions quir\u00fargiques que s\u00ed que estableixen la majoria de companyies d\u201d assegurances. <\/p>\n<p><img decoding=\"async\" class=\"aligncenter wp-image-31045 size-full\" src=\"https:\/\/pibgroupiberia.com\/wp-content\/uploads\/2016\/05\/BANNER-A.gif\" alt=\"Contacta amb nosaltres\" width=\"500\" height=\"100\"><\/p>\n<p>Si voleu informar-vos sobre els <strong>avantatges d \u201caquesta asseguran\u00e7a de baixa<\/strong> sobre altres que es venen, nosaltres us informarem sense comprom\u00eds. <strong>No te\u201d n penedir\u00e0s!<\/strong><\/p>\n<blockquote><p>RECORDA: per subscriure aquestes assegurances, les companyies demanen emplenar un q\u00fcestionari que reculli el nostre estat de salut actual. Hi haurem de detallar si patim algun tipus de patologia abans de subscriure l&#8217;asseguran\u00e7a, perqu\u00e8 si no tindrem problemes en cas de sinistre. <\/p><\/blockquote>\n\n","protected":false},"excerpt":{"rendered":"<p>Les millors asseguradores en p\u00f2lisses de baixa poden eliminar mancances de les p\u00f2lisses<\/p>\n","protected":false},"author":14,"featured_media":14020,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"yasr_overall_rating":0,"yasr_post_is_review":"","yasr_auto_insert_disabled":"","yasr_review_type":"","footnotes":""},"categories":[232],"tags":[292],"class_list":["post-18019","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-professionals","tag-ilt-subsidi"],"yasr_visitor_votes":{"stars_attributes":{"read_only":false,"span_bottom":false},"number_of_votes":0,"sum_votes":0},"_links":{"self":[{"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/posts\/18019","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/users\/14"}],"replies":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/comments?post=18019"}],"version-history":[{"count":0,"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/posts\/18019\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/media\/14020"}],"wp:attachment":[{"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/media?parent=18019"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/categories?post=18019"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/pibgroupiberia.com\/ca\/wp-json\/wp\/v2\/tags?post=18019"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}