{"id":172302,"date":"2019-07-21T18:56:54","date_gmt":"2019-07-21T18:56:54","guid":{"rendered":"https:\/\/tenerifecenter.com\/insurance-assistance\/"},"modified":"2021-10-19T14:24:37","modified_gmt":"2021-10-19T14:24:37","slug":"aide-a-l-assurance","status":"publish","type":"page","link":"https:\/\/tenerifecenter.com\/fr\/service\/aide-a-l-assurance\/","title":{"rendered":"Aide \u00e0 l&rsquo;assurance"},"content":{"rendered":"<p>L\u2019une des premi\u00e8res questions qui se pose lors de l\u2019achat d\u2019une maison en Espagne  est la question de la s\u00e9curit\u00e9 et de l\u2019assurance des biens. Le syst\u00e8me d\u2019assurance espagnol comprend l\u2019assurance obligatoire et volontaire. Le premier type d\u2019assurance comprend l\u2019assurance automobile et habitation lors de l\u2019achat d\u2019une hypoth\u00e8que, ainsi que certains types d\u2019assurance pour les personnes physiques et morales \u2013 par exemple, l\u2019assurance responsabilit\u00e9 civile pour les avocats et les m\u00e9decins priv\u00e9s. L\u2019assurance volontaire comprend tous les types d\u2019assurance maladie et l\u2019assurance vie et maladie contre les accidents.<\/p>\r\n\r\n<p>Les types d\u2019assurance en Espagne peuvent \u00eatre divis\u00e9s en trois grands groupes:<\/p>\r\n\r\n<ul>\r\n  <li>Assurance auto<\/li>\r\n  <li>Assurance immobili\u00e8re<\/li>\r\n  <li>Assurance maladie<\/li>\r\n<\/ul>\r\n\r\n<h2>Assurance auto<\/h2>\r\n\r\n<p>En Espagne, tout v\u00e9hicule doit \u00eatre assur\u00e9. Il existe deux types d\u2019assurance dans cette cat\u00e9gorie:<\/p>\r\n\r\n<ul>\r\n  <li>Assurance responsabilit\u00e9 civile obligatoire (\u00e9quivalent d\u2019assurance CTP). Il s\u2019agit d\u2019une police d\u2019assurance en vertu de laquelle la compagnie d\u2019assurance s\u2019engage \u00e0 indemniser les dommages caus\u00e9s aux biens ou \u00e0 la sant\u00e9 d\u2019autrui. Le co\u00fbt d\u2019une <b>police d\u2019assurance automobile<\/b> en Espagne d\u00e9pend de la dur\u00e9e de service et de l\u2019\u00e2ge du conducteur, de la p\u00e9riode de fonctionnement de la voiture, de la fabrique, du taux d\u2019accident, etc.<\/li>\r\n  <li>Assurance volontaire (analogue \u00e0 CASCO). En plus de la responsabilit\u00e9 envers les tiers, il comprend une assurance automobile contre le vol et les dommages, ainsi qu\u2019une assurance pour le conducteur et les passagers contre les accidents.<\/li>\r\n<\/ul>\r\n\r\n<h2>Assurance de biens<\/h2>\r\n\r\n<p>Tout comme dans le cas de l\u2019assurance automobile, elle est divis\u00e9e en deux cat\u00e9gories:<\/p>\r\n\r\n<ul>\r\n  <li>Assurance immobili\u00e8re obligatoire lors de l\u2019achat d\u2019une maison sur une hypoth\u00e8que et de la demande d\u2019un pr\u00eat hypoth\u00e9caire en utilisant des titres. Dans ce cas, la banque agit en tant qu\u2019interm\u00e9diaire et non en tant que pr\u00eateur, l\u2019assurance est donc obligatoire.<\/li>\r\n  <li>Les autres options d\u2019assurance immobili\u00e8re en vertu de la loi espagnole sont volontaires et comprennent une assurance habitation contre divers dommages, catastrophes naturelles, vols, etc.<\/li>\r\n<\/ul>\r\n\r\n<h2>Assurance maladie<\/h2>\r\n\r\n<ul>\r\n  <li>L\u2019assurance maladie de l\u2019\u00c9tat s\u2019applique \u00e0 tous les enfants de moins de 18 ans vivant en Espagne, quel que soit leur statut juridique, ainsi qu\u2019aux r\u00e9sidents espagnols qui cotaient au syst\u00e8me d\u2019assurance sociale, c\u2019est-\u00e0-dire qu\u2019ils travaillent officiellement en Espagne ou sont enregistr\u00e9s aupr\u00e8s de l\u2019emploi de service. Dans certaines r\u00e9gions d\u2019Espagne, une assistance m\u00e9dicale d\u2019\u00c9tat est fournie \u00e0 toutes les cat\u00e9gories de la population, y compris les migrants en situation irr\u00e9guli\u00e8re.<\/li>\r\n  <li><b>L\u2019assurance maladie priv\u00e9e<\/b> en Espagne offre le plus grand choix de programmes, de m\u00e9decins et d\u2019\u00e9tablissements m\u00e9dicaux. Selon le type de police, vous pouvez obtenir la gamme de services la plus diversifi\u00e9e, y compris des examens sp\u00e9ciaux, des chirurgies et des hospitalisations.<\/li>\r\n<\/ul>\r\n\r\n<p><b>L\u2019assurance en Espagne<\/b> traite avec de nombreuses entreprises. Il n\u2019est pas facile de comprendre cet \u00e9norme choix et de comprendre quels services sont n\u00e9cessaires et lesquels sont facultatifs, sans connaissance du droit espagnol et des nuances d\u2019assurance, c\u2019est pourquoi notre soci\u00e9t\u00e9 vous aide \u00e0 naviguer dans le monde de l\u2019assurance, \u00e0 prendre une d\u00e9cision \u00e9clair\u00e9e et \u00e0 \u00e9conomiser du temps et de l\u2019argent.<\/p>","protected":false},"excerpt":{"rendered":"<p>L\u2019une des premi\u00e8res questions qui se pose lors de l\u2019achat d\u2019une maison en Espagne est la question de la s\u00e9curit\u00e9 et de l\u2019assurance des biens. Le syst\u00e8me d\u2019assurance espagnol comprend l\u2019assurance obligatoire et volontaire. Le premier type d\u2019assurance comprend l\u2019assurance automobile et habitation lors de l\u2019achat d\u2019une hypoth\u00e8que, ainsi que certains types d\u2019assurance pour les [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":445598,"parent":172304,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-172302","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Insurance in Tenerife (Canary Islands): insurance assistance - VYM Canarias<\/title>\n<meta name=\"description\" content=\"Do you need reliable insurance in Tenerife (Canary Islands, Spain)? We will help with the documents and design. 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