{"id":2952,"date":"2025-02-28T15:00:17","date_gmt":"2025-02-28T15:00:17","guid":{"rendered":"https:\/\/caralticonesa.com\/?p=2952"},"modified":"2025-03-11T07:51:51","modified_gmt":"2025-03-11T07:51:51","slug":"que-es-lasseguranca-daccidents-de-conveni","status":"publish","type":"post","link":"https:\/\/caralticonesa.com\/ca\/que-es-lasseguranca-daccidents-de-conveni\/","title":{"rendered":"Qu\u00e8 \u00e9s l’asseguran\u00e7a d’accidents de conveni?"},"content":{"rendered":"

<\/h3>\n

Al m\u00f3n empresarial, garantir la seguretat i el benestar dels treballadors \u00e9s una prioritat. No nom\u00e9s per un tema de responsabilitat social, sin\u00f3 perqu\u00e8 la normativa laboral estableix l’obligaci\u00f3 de brindar protecci\u00f3 adequada en cas d’accidents. Aqu\u00ed \u00e9s on l’asseguran\u00e7a d’accidents de conveni<\/a> t\u00e9 un paper fonamental.<\/p>\n

 <\/p>\n

 <\/p>\n

Quines s\u00f3n les cobertures habituals Asseguran\u00e7a d’Accidents de Conveni,<\/h3>\n

Aquesta asseguran\u00e7a \u00e9s una p\u00f2lissa dissenyada per cobrir els accidents laborals dels treballadors, d’acord amb els convenis col\u00b7lectius de treball. El seu prop\u00f2sit \u00e9s assegurar que, en cas d’un imprevist, l’empleat rebi la indemnitzaci\u00f3 adequada, segons estableixi el conveni i l’empresa compleixi les obligacions sense inc\u00f3rrer en costos inesperats.<\/p>\n

Cada conveni col\u00b7lectiu estableix les condicions laborals en mat\u00e8ria de remuneraci\u00f3, vacances, permisos i horaris, a m\u00e9s de regular les indemnitzacions que l\u00b4empresari ha d\u00b4assumir en cas d\u00b4accident laboral. L’asseguran\u00e7a d’accidents de conveni permet externalitzar aquests compromisos, brindant seguretat tant a empleats com a ocupadors.<\/p>\n

Si b\u00e9 cada conveni col\u00b7lectiu exigeix \u200b\u200bdiferents cobertures i capitals assegurats, les m\u00e9s comunes inclouen:<\/p>\n

Mort per accident laboral<\/strong><\/p>\n

Defunci\u00f3 per qualsevol causa<\/strong><\/p>\n

Incapacitat permanent total<\/strong><\/p>\n

Incapacitat absoluta<\/strong><\/p>\n

Malaltia professional<\/strong><\/p>\n

Gran invalidesa<\/strong><\/p>\n

 <\/p>\n

Exemples de capitals assegurats per conveni<\/h3>\n

Alguns convenis inclouen les seg\u00fcents indemnitzacions:<\/p>\n

Conveni siderometal\u00b7l\u00fargic:<\/strong><\/p>\n

Mort laboral: 25.000\u20ac<\/p>\n

Incapacitat permanent absoluta: 25.000 \u20ac<\/p>\n

Conveni de construcci\u00f3 provincial:<\/strong><\/p>\n

Mort natural: 2.000\u20ac<\/p>\n

Mort laboral: 47.000\u20ac<\/p>\n

Incapacitat permanent total per accident laboral: 28.000 \u20ac<\/p>\n

Gran invalidesa per malaltia professional: 47.000 \u20ac<\/p>\n

Conveni comer\u00e7 al menor:<\/strong><\/p>\n

Mort laboral: 30.000\u20ac<\/p>\n

Incapacitat permanent absoluta per accident laboral: 30.000 \u20ac<\/p>\n

Gran invalidesa per accident laboral: 30.000 \u20ac<\/p>\n

Defunci\u00f3 per qualsevol causa a treballadors de m\u00e9s de 45 anys i 10 d’antiguitat.<\/p>\n

 <\/p>\n

Qu\u00e8 passa si no\u00a0 ha contractat cap asseguran\u00e7a d’accidents de conveni?<\/h3>\n

En cas de no comptar amb aquesta asseguran\u00e7a, l’empresari ha d’indemnitzar directament el treballador o la fam\u00edlia, cosa que pot representar un impacte financer significatiu a l’empresa. A m\u00e9s, podria enfrontar sancions per incompliment normatiu.<\/p>\n

 <\/p>\n

La import\u00e0ncia de mantenir l’asseguran\u00e7a actualitzada<\/h3>\n

 <\/p>\n

Per assegurar que la p\u00f2lissa cobreixi correctament els empleats, \u00e9s important revisar i regularitzar anualment el nombre de treballadors assegurats, basant-se en el TC2 dels darrers 12 mesos. Les asseguradores adapten autom\u00e0ticament els capitals i les garanties quan el conveni col\u00b7lectiu s’actualitza, sense que l’empresari hagi de fer gestions addicionals.<\/p>\n

 <\/p>\n

Si lamentablement hi hagu\u00e9s un accident i s’hagu\u00e9s d’utilitssar la p\u00f2lissa d’assegurances i els treballadors no estiguessin actualitzats, l’asseguradora podria limitar la indemnitzaci\u00f3 en la mateixa proporci\u00f3 dels treballadors assegurats als reals.<\/p>\n

 <\/p>\n

Com saber si la meva empresa necessita aquesta asseguran\u00e7a?<\/h3>\n

 <\/p>\n

La manera m\u00e9s senzilla i r\u00e0pida \u00e9s contactar amb un assessor especialitzat\u00a0 \u00a0<\/span>CLICA AQUI\u00a0 <\/span><\/a>\u00a0estem disponibles per brindar-te una soluci\u00f3 adaptada a les teves necessitats.<\/p>\n

 <\/p>\n

Si vols con\u00e8ixer m\u00e9s sobre com contractar aquesta asseguran\u00e7a i les opcions disponibles, no dubtis a contactar-nos<\/a>. El nostre equip d’experts est\u00e0 llest per assessorar-te.<\/p>\n

 <\/p>\n

Marc Conesa\u00a0<\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Al m\u00f3n empresarial, garantir la seguretat i el benestar dels treballadors \u00e9s una prioritat. No nom\u00e9s per un tema de responsabilitat social, sin\u00f3 perqu\u00e8 la […]<\/p>\n","protected":false},"author":1,"featured_media":2954,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[],"class_list":["post-2952","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-ca"],"yoast_head":"\nQu\u00e8 \u00e9s l'asseguran\u00e7a d'accidents de conveni? - Caralt i Conesa<\/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:\/\/caralticonesa.com\/ca\/que-es-lasseguranca-daccidents-de-conveni\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Qu\u00e8 \u00e9s l'asseguran\u00e7a d'accidents de conveni? - Caralt i Conesa\" \/>\n<meta property=\"og:description\" content=\"Al m\u00f3n empresarial, garantir la seguretat i el benestar dels treballadors \u00e9s una prioritat. 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