Desde ElSeguroGeneral.com tenemos la intención de hacerte llegar toda la información útil que podamos relacionada con el mundo del seguro. Si estás leyendo esto, es probable que hayas oído hablar del término “infraseguro”. Bien, entonces, ¿qué es el infraseguro?
Siguiendo estrictamente la definición del diccionario de la Real Academia Española encontramos que el infraseguro es: “En el contrato de seguro, situación en la que la suma asegurada es inferior al valor real de lo asegurado”. Teniendo claro el concepto, vamos a analizar las consecuencias que podría tener esta situación para ti como asegurado.
Imaginemos un hipotético seguro de hogar con un valor asegurado para el continente (“el edificio”) de 200.000 euros. Para reconstruir dicho hogar serían necesarios 400.000 euros. Por lo tanto estamos ante una situación de infraseguro. En el siguiente video tratamos de explicarte la principal consecuencia:
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