EL SEGURO POR INCAPACIDAD PERMANENTE ABSOLUTA
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2016-01-28
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Jaén: Universidad de Jaén
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[ES] El presente dictamen trata sobre un particular, Dª. Concepción, que suscribe contrato de seguro en un banco, que cubre entre otras, la invalidez. En el momento de su firma, la tomadora estaba en situación de alta laboral, habiendo estado anteriormente de baja una semana, debido a unas migrañas, causando alta por mejoría o curación. Posteriormente, causa baja laboral, diagnosticada de algia facial, siendo definitivamente diagnosticada de cefalea en racimos, por lo cual es declarada por el INSS incapacitada en grado absoluto para cualquier profesión. Dª Concepción, efectúa reclamación amistosa,denegando la aseguradora la prestación y alegando que padecía lesiones con anterioridad a suscribir el contrato y que fueron ocultadas en el cuestionario de salud siendo dicho cuestionario cumplimentado por la empleada del banco y definitivamente firmado y aceptado por la tomadora. A tal efecto, procedo a hacer estudio de la viabilidad de la reclamación judicial haciendo hincapié en determinados puntos.
[EN] This fact will be about a particular, Ms. Conception, which makes a contract of insurance in a bank, covering among other, disabilities. At the time of signing, the policyholder was in a situation of high employment, having remained above sick leave for a week because of a migraine, causing high for improvement or cure. Subsequently, low labor cause diagnosed with facial pain, being diagnosed definitively cluster headache, so it is declared by the INSS disabled at all grade all kinds of profession. Ms. Concepción, performed friendly complaint, denying the insurance provision and alleging that he suffered injuries prior to signing the contract and there were hidden in the health questionnaire being the questionnaire completed by the employee of the bank and finally signed and accepted by the taker of same. To this end, it will proceed to make a study of the feasibility of the judicial claim emphasizing certain points.
[EN] This fact will be about a particular, Ms. Conception, which makes a contract of insurance in a bank, covering among other, disabilities. At the time of signing, the policyholder was in a situation of high employment, having remained above sick leave for a week because of a migraine, causing high for improvement or cure. Subsequently, low labor cause diagnosed with facial pain, being diagnosed definitively cluster headache, so it is declared by the INSS disabled at all grade all kinds of profession. Ms. Concepción, performed friendly complaint, denying the insurance provision and alleging that he suffered injuries prior to signing the contract and there were hidden in the health questionnaire being the questionnaire completed by the employee of the bank and finally signed and accepted by the taker of same. To this end, it will proceed to make a study of the feasibility of the judicial claim emphasizing certain points.