Superintendencia de Seguros. Contenidos mínimos que deben tener las pólizas de seguros
Date | 15 October 2008 |
Published date | 15 October 2008 |
Author | Pablo S. Cereijido |
Law Firm | Marval O'Farrell Mairal |
Mediante la Resolución Nº 33.463/2008, la Superintendencia de Seguros de la Nación (SSN) sustituyó el punto 25 del “Reglamento General de la Actividad Aseguradora”, ordenando en una misma norma y actualizando las diferentes resoluciones, circulares y comunicaciones que de forma separada habían sido dictadas por el ente de control a fin de reglamentar aspectos relacionados con el contenido de las pólizas, su entrega, certificados de incorporación y anulación de pólizas.
Dentro de los nuevos elementos que deben incluirse obligatoriamente en las pólizas se destaca que en el frente de aquéllas debe consignarse el nombre, CUIT, CUIL o DNI y domicilios de las partes contratantes. En el caso de que el asegurador y el tomador sean personas distintas, deberá aclararse en qué carácter participa cada uno de ellas. Asimismo, debe informarse la franquicia de cada cobertura (en caso de corresponder) y las carencias por cada cobertura. En caso de renovación, se debe indicar el número de póliza que se renueva.
Por otra parte, debe insertarse en las pólizas un texto que advierta que cuando la póliza difiera del contenido de la propuesta, la diferencia se considerará aprobada por el asegurado si no reclama dentro de un mes de haber recibido la póliza. En caso de que intervenga un productor asesor en la emisión de póliza o endoso, debe constar su número de matrícula, nombre y apellidos completos o denominación...
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