Régimen de seguros colectivos de saldos deudores
Published date | 05 April 2011 |
Date | 05 April 2011 |
Law Firm | Marval O'Farrell Mairal |
La Resolución N° 35.308, dictada el 27 de agosto de 2010 por la Superintendencia de Seguros de la Nación (la “SSN”), había establecido el marco jurídico aplicable a los seguros colectivos de saldos deudores. Sucesivas prórrogas (instrumentadas mediante las resoluciones de la SSN N° 35.520 y 35.634), establecieron que la Resolución N° 35.308 entraría en vigencia el 1 de abril de 2011. Sin embargo, previo a su entrada en vigencia, la SSN emitió la Resolución N° 35.678 (la “Resolución”), que -entre otras cosas- deroga expresamente la Resolución N° 35.308.
Básicamente, la Resolución N° 35.308 dividía entre: i) seguros de coberturas de contratación obligatoria (por ejemplo, los seguros de vida de saldo deudor vinculados a préstamos hipotecarios o prendarios); y ii) seguros de contratación de coberturas voluntarias. La Resolución no hace distinción entre coberturas de contratación obligatoria y voluntaria de modo que sus previsiones son aplicables a todos los seguros colectivos de saldo deudor, sin distinción.
La Resolución impone como cobertura obligatoria a brindar en todos los seguros de saldo deudor la de fallecimiento, con la opción del tomador de incorporar la cobertura de invalidez total permanente. A diferencia de la anterior resolución, otorga la facultad a las aseguradoras de ofrecer coberturas adicionales de invalidez total temporaria y desempleo involuntario. La contratación de estas coberturas adicionales será a opción del asegurado.
A su vez, la Resolución mantiene la prohibición para quienes tengan mandato para la comercialización de este tipo de contratos, de transferir al asegurado los costos de intermediación por la contratación del seguro, debiendo cobrar al asegurado el premio que cobre la aseguradora sin ningún gasto o comisión adicional. La Resolución mantiene también la prohibición de reunir en la misma persona la calidad de tomador de la póliza y de...
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