{"id":3674,"date":"2022-09-17T09:40:33","date_gmt":"2022-09-17T07:40:33","guid":{"rendered":"https:\/\/lefoyerxl.be\/?post_type=arcticles-bruxelles&#038;p=3674"},"modified":"2022-09-17T10:17:16","modified_gmt":"2022-09-17T08:17:16","slug":"assurances","status":"publish","type":"arcticles-bruxelles","link":"https:\/\/lefoyerxl.be\/es\/arcticles-bruxelles\/seguro\/","title":{"rendered":"Seguros"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"3674\" class=\"elementor elementor-3674\" data-elementor-post-type=\"arcticles-bruxelles\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e20a34d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e20a34d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5271f6b\" data-id=\"5271f6b\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-deba616 elementor-widget elementor-widget-text-editor\" data-id=\"deba616\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2 id=\"pageContainer82\" class=\"_page_1gl8y_100\" data-index=\"81\"><strong>\u00bfQu\u00e9 seguro se exige legalmente en B\u00e9lgica?<\/strong><\/h2><div data-index=\"81\">\u00a0<\/div><ul><li class=\"_page_1gl8y_100\" data-index=\"81\">Seguro de responsabilidad civil para cualquier veh\u00edculo de motor que circule por la v\u00eda p\u00fablica.<\/li><li class=\"_page_1gl8y_100\" data-index=\"81\">Seguro de accidentes laborales y trabajadores dom\u00e9sticos.<\/li><li class=\"_page_1gl8y_100\" data-index=\"81\">Seguro de responsabilidad civil de caza.<\/li><\/ul><p>\u00a0<\/p><h2><strong>\u00bfQu\u00e9 seguro se recomienda encarecidamente?<\/strong><\/h2><p>\u00a0<\/p><ul><li>Seguro de vida, accidentes, incendios y responsabilidad civil familiar.<\/li><\/ul><p>\u00a0<\/p><p>El seguro de responsabilidad civil familiar le garantiza que podr\u00e1 hacer frente a las consecuencias econ\u00f3micas de una serie de acontecimientos vitales. Por eso es importante estar bien informado.<\/p><p>\u00a0<\/p><h2><span style=\"text-decoration: underline;\"><strong>El corredor :<\/strong><\/span><\/h2><p>\u00a0<\/p><p>Para ayudarle, el corredor busca los seguros que mejor se adaptan a sus necesidades. Le asesora y asiste en caso de siniestro. Es su interlocutor y portavoz ante las principales compa\u00f1\u00edas de seguros. En general, el corredor visita al asegurado. Le recomendamos encarecidamente que recurra a sus servicios. Algunos bancos tambi\u00e9n ofrecen un servicio de \"Seguros\".<\/p><p>\u00a0<\/p><p>Encuentre un corredor de seguros cerca de usted: www.assurances.be\/rechercher-un-courtier-en-assurances<\/p><p>\u00a0<\/p><h2><span style=\"text-decoration: underline;\"><strong>Vivienda :<\/strong><\/span><\/h2><p>\u00a0<\/p><p>Cubre incendio, da\u00f1os por agua, rotura de cristales, responsabilidad civil del edificio y cat\u00e1strofes naturales: tormentas, granizo, inundaciones .... Este seguro a todo riesgo debe ser contratado tanto por el inquilino como por el propietario, teniendo en cuenta el recurso que se ejerce entre las partes. El seguro del propietario cubre los riesgos inherentes al edificio (por ejemplo, tuber\u00edas empotradas, da\u00f1os por tormentas en el tejado, etc.), mientras que el seguro del inquilino cubre los riesgos del alquiler (por ejemplo, tuber\u00edas expuestas, etc.).<\/p><p>\u00a0<\/p><h2><span style=\"text-decoration: underline;\"><strong>Personas :<\/strong><\/span><\/h2><p>\u00a0<\/p><p><strong>SEGURO FAMILIAR (RESPONSABILIDAD CIVIL)<\/strong><\/p><p>\u00a0<\/p><p>No es obligatorio, pero se recomienda a todo el mundo, incluso a quienes viven solos. Indemniza los da\u00f1os a terceros causados por ti, tus hijos, tus mascotas o cualquier persona que dependa de ti, hasta grandes cantidades por da\u00f1os f\u00edsicos y materiales.\u00a0<\/p><div class=\"_linksLayer_1gl8y_42\">\u00a0<\/div><div id=\"pageContainer83\" class=\"_page_1gl8y_100\" data-index=\"82\"><strong>PERSONAL DE LA CASA\u00a0\u00a0<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div class=\"_page_1gl8y_100\" data-index=\"82\">Obligatorio incluso para las personas que trabajan para usted. Esto se aplica a cualquier persona que trabaje en tu casa a t\u00edtulo particular, aunque sea a tiempo parcial: au pair, se\u00f1ora de la limpieza.<\/div><div data-index=\"82\">\u00a0<\/div><div class=\"_page_1gl8y_100\" data-index=\"82\"><strong>SALUD<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div class=\"_page_1gl8y_100\" data-index=\"82\">En B\u00e9lgica, la Mutuelle es obligatoria tanto para los trabajadores por cuenta ajena como para los aut\u00f3nomos. Las compa\u00f1\u00edas de seguros ofrecen coberturas adicionales.<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>SEGURO HOSPITALARIO<\/strong>\u00a0<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">En caso de hospitalizaci\u00f3n, cubre los gastos que superen los reembolsos de la mutua, incluidos los gastos de habitaci\u00f3n individual.<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>SEGURO INDIVIDUAL <\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>ACCIDENTE<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">Suma a tanto alzado (cantidad elegida por el asegurado) en caso de accidente. Cubre el fallecimiento y\/o la invalidez permanente y\/o la incapacidad temporal y\/o los gastos m\u00e9dicos.<\/div><div data-index=\"82\">\u00a0<\/div><h2 data-index=\"82\"><span style=\"text-decoration: underline;\"><strong>Auto : <\/strong><\/span><\/h2><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">Se ha revisado el sistema \"Bonus-Malus\" (la prima del seguro aumenta o disminuye en funci\u00f3n de los accidentes que haya tenido en el pasado). Cada compa\u00f1\u00eda de seguros utiliza su propia tabla de evaluaci\u00f3n.<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>RC AUTO<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">Esta cobertura es obligatoria y cubre los da\u00f1os a terceros, incluidos los pasajeros de tu veh\u00edculo, excepto el conductor, en caso de que sea considerado responsable. Para obtener las mejores tarifas, no olvide pedir a su anterior aseguradora un certificado de \"no siniestralidad\". Las aseguradoras belgas lo tendr\u00e1n en cuenta.\u00a0<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>DEFENSA JUR\u00cdDICA\u00a0<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">No es obligatorio, pero se recomienda. Cubre la defensa de sus intereses, los gastos de abogados y los procedimientos judiciales en B\u00e9lgica y en el extranjero en caso de impugnaci\u00f3n de responsabilidades (cada vez m\u00e1s frecuente por parte de particulares y compa\u00f1\u00edas de seguros).<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\"><strong>\u00a0OMNIUM<\/strong><\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">Esta cobertura es una opci\u00f3n que puede ser parcial o total. El omnium total cubre los da\u00f1os materiales, tanto si el conductor es culpable como si no. Tambi\u00e9n cubre el robo, el incendio, la rotura de cristales y las fuerzas de la naturaleza. El omnium parcial, o mini-omnium, no cubre los da\u00f1os causados a tu veh\u00edculo si eres culpable o por vandalismo. En cualquier caso, no haber causado un accidente en los 5 a\u00f1os anteriores influir\u00e1 positivamente en las primas a pagar.\u00a0<\/div><div data-index=\"82\">\u00a0<\/div><div data-index=\"82\">\u00a0<\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a1d230e elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a1d230e\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-2c73500\" data-id=\"2c73500\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d4a17d5 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"d4a17d5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/expatsinbrussels.be\/fr\/administration\/assurances\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Fuente<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>","protected":false},"featured_media":0,"template":"","categories_bruxelles":[36],"class_list":["post-3674","arcticles-bruxelles","type-arcticles-bruxelles","status-publish","hentry","categories_bruxelles-administration-assurances","entry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurances - Centre de sant\u00e9 le foyer<\/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:\/\/lefoyerxl.be\/es\/arcticles-bruxelles\/seguro\/\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurances - Centre de sant\u00e9 le foyer\" \/>\n<meta property=\"og:description\" content=\"Quelles sont les assurances l\u00e9galement obligatoires en Belgique ?\u2028 \u00a0&hellip; 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