{"id":1402,"date":"2026-03-17T06:17:04","date_gmt":"2026-03-17T05:17:04","guid":{"rendered":"https:\/\/espanasa.victionstaging.site\/preguntas-frecuentes\/"},"modified":"2026-07-23T14:50:46","modified_gmt":"2026-07-23T12:50:46","slug":"preguntes-frequents","status":"publish","type":"page","link":"https:\/\/www.espanasa.com\/ca\/preguntes-frequents\/","title":{"rendered":"Preguntes freq\u00fcents"},"content":{"rendered":"<section class=\"l-section wpb_row header-blank height_huge width_custom\" style=\"--site-content-width:500px;\"><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 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 alt\"><span class=\"w-text-h\"><span class=\"w-text-value\">M\u00c9S INFORMACI\u00d3<\/span><\/span><\/div><h1 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Preguntes freq\u00fcents<\/span><\/span><\/h1><div class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Consulta la nostra llista de preguntes freq\u00fcents<\/span><\/span><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_46a36e15 height_large width_custom\" style=\"--site-content-width:900px;\" id=\"frecuentes\"><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=\"g-cols wpb_row us_custom_b456aa4d via_grid cols_1 laptops-cols_inherit tablets-cols_inherit mobiles-cols_1 valign_top type_default stacking_default\" style=\"--columns-gap:22px;\"><div class=\"wpb_column vc_column_container\"><div class=\"vc_column-inner\"><h2 class=\"w-text\"><span class=\"w-text-h\"><span class=\"w-text-value\">Assegurances de vida estalvi: funcionament, garanties i fiscalitat<\/span><\/span><\/h2><div class=\"wpb_text_column body-text-20\"><div class=\"wpb_wrapper\"><p>Les assegurances de vida amb capitals garantits d\u2019estalvi i protecci\u00f3 familiar permeten combinar seguretat, previsi\u00f3 i planificaci\u00f3 financera a llarg termini. A continuaci\u00f3, resolem de manera clara els principals dubtes sobre el seu funcionament.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"wpb_text_column us_custom_d6cff625\"><div class=\"wpb_wrapper\"><h3>Funcionament i garanties<\/h3>\n<\/div><\/div><div class=\"w-tabs us_custom_2ca7329d style_default switch_click accordion has_scrolling remove_indents\" style=\"--sections-title-size:inherit\"><div class=\"w-tabs-sections titles-align_none icon_plus cpos_right\"><div class=\"w-tabs-section\" id=\"lc9d\"><button class=\"w-tabs-section-header\" aria-controls=\"content-lc9d\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Qu\u00e8 diferencia les nostres p\u00f2lisses des del punt de vista contractual?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-lc9d\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>Es diferencien per incorporar:<\/span><\/p>\n<ul>\n<li><span>Cobertures \u00e0mplies i clarament definides<\/span><\/li>\n<li><span>Capital garantit i conegut des de l&#8217;inici<\/span><\/li>\n<li><span>Estructura sense complexitat innecess\u00e0ria<\/span><\/li>\n<li><span>Orientaci\u00f3 a la protecci\u00f3 real del client i dels seus beneficiaris<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"beb7\"><button class=\"w-tabs-section-header\" aria-controls=\"content-beb7\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Quins objectius cobreixen les nostres p\u00f2lisses de vida estalvi?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-beb7\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>Estan dissenyades per cobrir tres pilars fonamentals:<\/span><\/p>\n<ul>\n<li><span>Estalvi planificat i segur<\/span><\/li>\n<li><span>Protecci\u00f3 familiar davant d&#8217;imprevistos<\/span><\/li>\n<li><span>Estabilitat financera a llarg termini<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"p07e\"><button class=\"w-tabs-section-header\" aria-controls=\"content-p07e\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Est\u00e0 garantit el capital de les nostres p\u00f2lisses?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-p07e\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>S\u00ed. En les nostres assegurances, els capitals al venciment i els corresponents a les cobertures de risc estan garantits des de l&#8217;inici, avalats per la solv\u00e8ncia de l&#8217;entitat i el marc regulador europeu. Els valors de liquiditat de cada anualitat tamb\u00e9 s\u00f3n coneguts des de l&#8217;inici de l&#8217;operaci\u00f3.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"p1fa\"><button class=\"w-tabs-section-header\" aria-controls=\"content-p1fa\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Qui pot ser beneficiari i com es designa?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-p1fa\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>El prenedor pot designar lliurement els beneficiaris, tant persones f\u00edsiques com jur\u00eddiques, i modificar-los en qualsevol moment.<\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"j3a8\"><button class=\"w-tabs-section-header\" aria-controls=\"content-j3a8\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Qu\u00e8 passa en cas de defunci\u00f3 durant la vig\u00e8ncia?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-j3a8\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>Els beneficiaris reben un capital garantit, establert a la p\u00f2lissa, gaudint aix\u00ed d&#8217;una protecci\u00f3 immediata.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"q53d\"><button class=\"w-tabs-section-header\" aria-controls=\"content-q53d\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">El capital forma part de l&#8217;her\u00e8ncia?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-q53d\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>No. En les nostres p\u00f2lisses, el capital es percep al marge del proc\u00e9s hereditari, facilitant liquiditat i agilitat en moments clau.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"o6b9\"><button class=\"w-tabs-section-header\" aria-controls=\"content-o6b9\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Quant de temps es tarda a cobrar el capital?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-o6b9\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>El cobrament es fa en un termini \u00e0gil, despr\u00e9s de validar la documentaci\u00f3, mitjan\u00e7ant un proc\u00e9s clar i acompanyat.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_69b6b084 height_auto width_custom\" style=\"--site-content-width:900px;\"><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 us_custom_d6cff625\"><div class=\"wpb_wrapper\"><h3>Fiscalitat de les assegurances de vida a Espanya<\/h3>\n<\/div><\/div><div class=\"w-tabs us_custom_2ca7329d style_default switch_click accordion has_scrolling remove_indents\" style=\"--sections-title-size:inherit\"><div class=\"w-tabs-sections titles-align_none icon_plus cpos_right\"><div class=\"w-tabs-section\" id=\"tcca\"><button class=\"w-tabs-section-header\" aria-controls=\"content-tcca\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Quina fiscalitat tenen les assegurances de vida cl\u00e0ssiques?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-tcca\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>En funci\u00f3 del tipus de p\u00f2lissa:<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>Dep\u00e8n de la conting\u00e8ncia:<\/span><\/p>\n<ul>\n<li><span>Defunci\u00f3: tributaci\u00f3 en l&#8217;Impost sobre Successions i Donacions<\/span><\/li>\n<li><span>Rescat o venciment: rendiments del capital mobiliari<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"z04a\"><button class=\"w-tabs-section-header\" aria-controls=\"content-z04a\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Hi ha avantatges fiscals segons el tipus de p\u00f2lissa?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-z04a\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p>En funci\u00f3 del tipus de p\u00f2lissa:<\/p>\n<\/div><\/div><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>S\u00ed, en funci\u00f3 de l&#8217;estructura del contracte:<\/span><\/p>\n<ul>\n<li><span>PPA: reducci\u00f3 de la base imposable de l&#8217;IRPF per les aportacions<\/span><\/li>\n<li><span>PIAS: possible exempci\u00f3 de la rendibilitat si es transforma en renda vital\u00edcia<\/span><\/li>\n<li><span>SIALP: exempci\u00f3 dels rendiments despr\u00e9s de 5 anys si es compleixen els requisits<\/span><\/li>\n<li><span>Assegurances de vida estalvi cl\u00e0ssiques: diferiment fiscal fins al rescat<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_69b6b084 height_auto width_custom\" style=\"--site-content-width:900px;\"><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 us_custom_d6cff625\"><div class=\"wpb_wrapper\"><h3>Liquiditat, flexibilitat i cicle de vida<\/h3>\n<\/div><\/div><div class=\"w-tabs us_custom_2ca7329d style_default switch_click accordion has_scrolling remove_indents\" style=\"--sections-title-size:inherit\"><div class=\"w-tabs-sections titles-align_none icon_plus cpos_right\"><div class=\"w-tabs-section\" id=\"fc08\"><button class=\"w-tabs-section-header\" aria-controls=\"content-fc08\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Puc disposar dels meus estalvis abans del venciment?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-fc08\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>S\u00ed, en les condicions definides contractualment. Cal tenir en compte que:<\/span><\/p>\n<p><span>Hi ha unes despeses anuals de gesti\u00f3.<\/span><\/p>\n<p><span>Una part de la prima es destina a cobrir el cost de les cobertures de risc (defunci\u00f3, accident i\/o invalidesa).<\/span><\/p>\n<p><span>Per aquest motiu, durant els primers anys el valor de liquiditat pot ser inferior a l&#8217;import total aportat.<\/span><\/p>\n<p><span>\u00c9s un producte orientat al mitj\u00e0 i llarg termini.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"re07\"><button class=\"w-tabs-section-header\" aria-controls=\"content-re07\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Es poden adaptar les cobertures al llarg del temps?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-re07\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>S\u00ed. Les nostres p\u00f2lisses permeten ajustar les cobertures segons el cicle de vida:<\/span><\/p>\n<p><span>Etapes de m\u00e9s protecci\u00f3 familiar<\/span><\/p>\n<p><span>Inclusi\u00f3 de cobertures com la invalidesa o l&#8217;accident<\/span><\/p>\n<p><span>Evoluci\u00f3 cap a objectius d&#8217;estalvi i jubilaci\u00f3<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"w-tabs-section\" id=\"bfbf\"><button class=\"w-tabs-section-header\" aria-controls=\"content-bfbf\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Les primes o les condicions canvien amb el temps?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-bfbf\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>Les nostres p\u00f2lisses es caracteritzen per una cobertura \u00e0mplia, sense exclusions habituals per viatges o activitats, llevat dels sup\u00f2sits legalment establerts.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_69b6b084 height_auto width_custom\" style=\"--site-content-width:900px;\"><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 us_custom_d6cff625\"><div class=\"wpb_wrapper\"><h3>Assegurances de vida per a empresa<\/h3>\n<\/div><\/div><div class=\"w-tabs us_custom_2ca7329d style_default switch_click accordion has_scrolling remove_indents\" style=\"--sections-title-size:inherit\"><div class=\"w-tabs-sections titles-align_none icon_plus cpos_right\"><div class=\"w-tabs-section\" id=\"tca1\"><button class=\"w-tabs-section-header\" aria-controls=\"content-tca1\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Quines solucions ofereixen per a empreses?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-tca1\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>Les nostres assegurances permeten a empreses, empleats i socis:<\/span><\/p>\n<p><span>Protegir persones clau<\/span><\/p>\n<p><span>Instrumentar compromisos per pensions<\/span><\/p>\n<p><span>Ordenar la previsi\u00f3 social empresarial<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_69b6b084 height_auto width_custom\" style=\"--site-content-width:900px;\"><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 us_custom_d6cff625\"><div class=\"wpb_wrapper\"><h3>Espa\u00f1a, S.A.<\/h3>\n<\/div><\/div><div class=\"w-tabs us_custom_2ca7329d style_default switch_click accordion has_scrolling remove_indents\" style=\"--sections-title-size:inherit\"><div class=\"w-tabs-sections titles-align_none icon_plus cpos_right\"><div class=\"w-tabs-section\" id=\"s6d9\"><button class=\"w-tabs-section-header\" aria-controls=\"content-s6d9\" aria-expanded=\"false\"><h5 class=\"w-tabs-section-title\">Qu\u00e8 defineix l&#8217;enfocament d&#8217;Espa\u00f1a, S.A. en aquestes p\u00f2lisses?<\/h5><div class=\"w-tabs-section-control\"><\/div><\/button><div  class=\"w-tabs-section-content\" id=\"content-s6d9\"><div class=\"w-tabs-section-content-h i-cf\"><div class=\"wpb_text_column\"><div class=\"wpb_wrapper\"><p><span>El nostre model es basa en:<\/span><\/p>\n<ul>\n<li><span>Especialitzaci\u00f3 en vida i pensions<\/span><\/li>\n<li><span>Solv\u00e8ncia i gesti\u00f3 prudent<\/span><\/li>\n<li><span>Claredat i rigor contractual<\/span><\/li>\n<li><span>Cobertures consistents i sense ambig\u00fcitats<\/span><\/li>\n<li><span>Acompanyament continu<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/section><section class=\"l-section wpb_row us_custom_46a36e15 height_auto width_custom\" style=\"--site-content-width:900px;\"><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=\"w-separator us_custom_b456aa4d size_custom\" style=\"height:10px\"><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"P\u00e0gina d'iniciP\u00e0ginesM\u00c9S INFORMACI\u00d3Preguntes freq\u00fcentsConsulta la nostra llista de preguntes freq\u00fcentsAssegurances de vida estalvi: funcionament, garanties i fiscalitatLes assegurances de vida amb capitals garantits d\u2019estalvi i protecci\u00f3 familiar permeten combinar seguretat, previsi\u00f3 i planificaci\u00f3 financera a llarg termini. A continuaci\u00f3, resolem de manera clara els principals dubtes sobre el seu funcionament. Funcionament i garanties Qu\u00e8 diferencia...","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1402","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1402","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=1402"}],"version-history":[{"count":39,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1402\/revisions"}],"predecessor-version":[{"id":4801,"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/pages\/1402\/revisions\/4801"}],"wp:attachment":[{"href":"https:\/\/www.espanasa.com\/ca\/wp-json\/wp\/v2\/media?parent=1402"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}