{"id":1264,"date":"2026-03-15T05:14:58","date_gmt":"2026-03-15T04:14:58","guid":{"rendered":"https:\/\/espanasa.victionstaging.site\/solvencia\/"},"modified":"2026-07-20T17:18:24","modified_gmt":"2026-07-20T15:18:24","slug":"solvencia","status":"publish","type":"page","link":"https:\/\/www.espanasa.com\/ca\/solvencia\/","title":{"rendered":"Solv\u00e8ncia"},"content":{"rendered":"<section class=\"l-section wpb_row us_custom_f715bc7c solvencia-header height_huge width_custom\" style=\"--site-content-width:550px;\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><nav class=\"g-breadcrumbs us_custom_d59b2e97 breadcrumbs_element has_text_color separator_icon align_none\" itemscope itemtype=\"http:\/\/schema.org\/BreadcrumbList\"><div class=\"g-breadcrumbs-item\" itemscope itemprop=\"itemListElement\" itemtype=\"http:\/\/schema.org\/ListItem\"><a itemprop=\"item\" href=\"https:\/\/www.espanasa.com\/ca\/\"><span itemprop=\"name\">P\u00e0gina d'inici<\/span><\/a><meta itemprop=\"position\" content=\"1\"\/><\/div><div class=\"g-breadcrumbs-separator\"><i class=\"far fa-angle-right\"><\/i><\/div><div class=\"g-breadcrumbs-item\">P\u00e0gines<\/div><\/nav><div class=\"w-text header-tag\"><span class=\"w-text-h\"><span class=\"w-text-value\">Solv\u00e8ncia<\/span><\/span><\/div><h1 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">La solv\u00e8ncia \u00e9s un valor que ens diferencia<\/span><\/span><\/h1><div class=\"w-text btn-white\"><a href=\"\/ca\/qui-som\/\" class=\"w-text-h\"><span class=\"w-text-value\">SOBRE NOSALTRES<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row solvencia-content height_huge\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Qu\u00e8 significa ser solvent?<\/h4>\n<p>Una asseguran\u00e7a de vida \u00e9s una promesa de pagament que es materialitza en cas que es produeixi la conting\u00e8ncia assegurada: l\u2019assegurat diposita, per tant, la seva confian\u00e7a en la Companyia asseguradora perqu\u00e8 mai li faltin els capitals pactats quan m\u00e9s els necessiti.<\/p>\n<p>Ser solvent \u00e9s ser capa\u00e7 de fer front a totes les obligacions contretes, presents i futures. Per tant, la solv\u00e8ncia ha de ser un dels principis essencials de qualsevol Companyia asseguradora, especialment en el cas de les assegurances de vida. L\u2019objectiu d\u2019ESPA\u00d1A S.A. \u00e9s la protecci\u00f3 dels seus assegurats, garantint en tot moment que aquests rebin els capitals pactats.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>L\u00edders entre les companyies d\u2019assegurances de vida<\/h4>\n<p>Ser l\u00edder no s\u2019aconsegueix d\u2019un dia per l\u2019altre. Treballem des de 1928 per incrementar la nostra solv\u00e8ncia, perqu\u00e8 entenem que aquest \u00e9s un dels valors fonamentals que aportem als nostres clients.<\/p>\n<p>&nbsp;El gr\u00e0fic seg\u00fcent mostra la relaci\u00f3 existent entre les diferents masses que componen el balan\u00e7 econ\u00f2mic de la Companyia. S\u2019observa que hi ha un gran exc\u00e9s en el valor dels seus actius (b\u00e9ns i drets propietat de la Societat) respecte dels seus passius o obligacions compromeses. La difer\u00e8ncia s\u00f3n els fons propis que, a efectes de solv\u00e8ncia, representen aproximadament un 45% dels actius totals de la Companyia:<\/p>\n<\/div><\/div><div class=\"w-image align_center\"><div class=\"w-image-h\"><img decoding=\"async\" width=\"2260\" height=\"1106\" src=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/graph.jpg\" class=\"attachment-full size-full\" alt=\"\" loading=\"lazy\" srcset=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/graph.jpg 2260w, https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/graph-300x147.jpg 300w, https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/03\/graph-1024x501.jpg 1024w\" sizes=\"auto, (max-width: 2260px) 100vw, 2260px\" \/><\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>Els fons propis, que constitueixen el capital lliure de la Companyia per assumir possibles p\u00e8rdues, es comparen amb el Capital de Solv\u00e8ncia Obligatori (tamb\u00e9 anomenat SCR o CSO), que es calcula en funci\u00f3 dels riscos assumits per l\u2019entitat asseguradora. El rati de solv\u00e8ncia de la Companyia \u00e9s del 336%, resultat de dividir els fons propis entre el Capital de Solv\u00e8ncia Obligatori.<\/p>\n<p>Aquest Capital de Solv\u00e8ncia Obligatori (CSO) es calcula de la mateixa manera per a totes les entitats asseguradores de la Uni\u00f3 Europea, d\u2019acord amb el que disposa el Reglament Delegat (UE) 2015\/35 de la Comissi\u00f3 i la resta de legislaci\u00f3 de Solv\u00e8ncia II. Representa la p\u00e8rdua m\u00e0xima a la qual hauria de fer front la Companyia en el pitjor escenari entre 200 possibles, tenint en compte els riscos espec\u00edfics als quals est\u00e0 exposada i la relaci\u00f3 entre aquests.<\/p>\n<p>Cal destacar que l\u2019elevat rati de solv\u00e8ncia de la nostra Companyia \u00e9s especialment s\u00f2lid, ja que la Societat aplica la F\u00f3rmula Est\u00e0ndard i no ha recorregut a la possibilitat d\u2019elaborar un model intern per calcular el seu Capital de Solv\u00e8ncia Obligatori. Tampoc ha utilitzat cap dels ajustos mitigadors ni de les mesures transit\u00f2ries que, amb car\u00e0cter general, ha aplicat el sector assegurador europeu de vida per augmentar el seu rati de solv\u00e8ncia en el marc de Solv\u00e8ncia II.<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h4>Informes sobre la situaci\u00f3 financera i de solv\u00e8ncia<\/h4>\n<p>Els informes sobre la situaci\u00f3 financera i de solv\u00e8ncia de la Companyia, elaborats d\u2019acord amb la normativa europea de Solv\u00e8ncia II (arts. 290 i seg\u00fcents del Reglament Delegat (UE) 2015\/35 de la Comissi\u00f3, de 10 d\u2019octubre), es poden descarregar a continuaci\u00f3:<\/p>\n<\/div><\/div><div class=\"w-vwrapper align_none valign_top\" style=\"--vwrapper-gap:0rem\"><div download class=\"w-text\"><a href=\"http:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/Informe-sobre-la-Situacion-Financiera-y-de-Solvencia-2025.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Informe sobre la situaci\u00f3 financera i de solv\u00e8ncia 2025<\/span><\/a><\/div><div download class=\"w-text\"><a href=\"http:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/05\/Solvency-and-Financial-Condition-Report-2025-Summary.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Solvency and Financial\u2028Condition Report summary 2025<\/span><\/a><\/div><div download class=\"w-text\"><a href=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/Informe-sobre-la-Situacion-Financiera-y-de-Solvencia-2024.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Informe sobre la situaci\u00f3 financera i de solv\u00e8ncia 2024<\/span><\/a><\/div><div download class=\"w-text\"><a href=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/SolvencyandFinancialConditionReport2024Summary.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Solvency and Financial\u2028Condition Report summary 2024<\/span><\/a><\/div><div download class=\"w-text\"><a href=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/Informe-sobre-la-Situacion-Financiera-y-de-Solvencia-2023.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Informe sobre la situaci\u00f3 financera i de solv\u00e8ncia 2023<\/span><\/a><\/div><div download class=\"w-text\"><a href=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/Solvency-and-Financial-Condition-Report-2023-Summary.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Solvency and Financial\u2028Condition Report summary 2023<\/span><\/a><\/div><div download class=\"w-text\"><a href=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/Informe-sobre-la-Situacion-Financiera-y-de-Solvencia-2022.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Informe sobre la situaci\u00f3 financera i de solv\u00e8ncia 2022<\/span><\/a><\/div><div download class=\"w-text\"><a href=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/Solvency-and-Financial-Condition-Report-2022-Summary.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Solvency and Financial\u2028Condition Report summary 2022<\/span><\/a><\/div><div download class=\"w-text\"><a href=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/Informe-sobre-la-Situacion-Financiera-y-de-Solvencia-2021.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Informe sobre la situaci\u00f3 financera i de solv\u00e8ncia 2021<\/span><\/a><\/div><div download class=\"w-text\"><a href=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/Solvency-and-Financial-Condition-Report-2021-Summary.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Solvency and Financial\u2028Condition Report summary 2021<\/span><\/a><\/div><div download class=\"w-text\"><a href=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/Informe-sobre-la-Situacion-Financiera-y-de-Solvencia-2020.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Informe sobre la situaci\u00f3 financera i de solv\u00e8ncia 2020<\/span><\/a><\/div><div download class=\"w-text\"><a href=\"https:\/\/www.espanasa.com\/wp-content\/uploads\/2026\/04\/Solvency-and-Financial-Condition-Report-2020-Summary.pdf\" class=\"w-text-h\"><span class=\"w-text-value\">Solvency and Financial\u2028Condition Report summary 2020<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_49fcf3b6 contact-bottom height_huge\"><div class=\"l-section-h i-cf\"><div class=\"g-cols vc_row via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><h2>Contacta amb nosaltres<\/h2>\n<p>Els nostres gestors poden ajudar-lo a establir el capital assegurat que necessita en funci\u00f3 de les seves circumst\u00e0ncies personals.<\/p>\n<\/div><\/div><div class=\"w-text btn-white\"><a href=\"https:\/\/www.espanasa.com\/ca\/contacte\/\" class=\"w-text-h\"><span class=\"w-text-value\">Contactar<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/section>\n\n","protected":false},"excerpt":{"rendered":"P\u00e0gina d'iniciP\u00e0ginesSolv\u00e8nciaLa solv\u00e8ncia \u00e9s un valor que ens diferenciaSOBRE NOSALTRESQu\u00e8 significa ser solvent? Una asseguran\u00e7a de vida \u00e9s una promesa de pagament que es materialitza en cas que es produeixi la conting\u00e8ncia assegurada: l\u2019assegurat diposita, per tant, la seva confian\u00e7a en la Companyia asseguradora perqu\u00e8 mai li faltin els capitals pactats quan m\u00e9s els necessiti....","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1264","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1264","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/comments?post=1264"}],"version-history":[{"count":9,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1264\/revisions"}],"predecessor-version":[{"id":4649,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1264\/revisions\/4649"}],"wp:attachment":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/media?parent=1264"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}