{"id":13147,"date":"2023-05-03T17:24:46","date_gmt":"2023-05-03T15:24:46","guid":{"rendered":"https:\/\/www.white-baos.com\/?p=13147"},"modified":"2023-05-03T17:24:49","modified_gmt":"2023-05-03T15:24:49","slug":"reclamer-une-assurance-vie-en-espagne","status":"publish","type":"post","link":"https:\/\/www.white-baos.com\/fr\/reclamer-une-assurance-vie-en-espagne\/","title":{"rendered":"Nouveau succ\u00e8s judiciaire. R\u00e9clamer une assurance vie. Nous r\u00e9cup\u00e9rons 150 000 \u20ac de l\u2019assurance vie d\u2019un client. Indemnisation. B\u00e9n\u00e9ficiaires. Avocats espagnols \u00e0 la Costa Blanca."},"content":{"rendered":"\n

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White Baos Abogados<\/em> poss\u00e8de une vaste et fructueuse exp\u00e9rience<\/a> dans la d\u00e9fense des int\u00e9r\u00eats de nos clients lors de contentieux contre les compagnies d\u2019assurance pour r\u00e9clamation d\u2019assurances vie. Dans cet article, nous souhaitons partager avec nos lecteurs un nouveau succ\u00e8s judiciaire<\/a> de notre cabinet\u00a0: une plainte d\u00e9pos\u00e9e contre une compagnie d\u2019assurance qui refusait de verser l\u2019indemnisation pr\u00e9vue dans le contrat, de 150 000 \u20ac, \u00e0 laquelle avait droit la veuve du d\u00e9funt. Si vous le souhaitez, vous pouvez consulter la d\u00e9cision compl\u00e8te par ce lien<\/a>. <\/p>\n\n\n\n

<\/p>\n\n\n\n

Le questionnaire de sant\u00e9 : un document essentiel<\/u><\/strong><\/h2>\n\n\n\n

L\u2019un des documents les plus importants lors de la souscription d\u2019une assurance vie est le questionnaire de sant\u00e9. Il s\u2019agit d\u2019une s\u00e9rie de questions sur l\u2019\u00e9tat de sant\u00e9 de l\u2019assur\u00e9 pour conna\u00eetre les maladies ant\u00e9rieures, savoir s\u2019il y a des examens m\u00e9dicaux en attente, si l\u2019on est sous traitement et de quels m\u00e9dicaments, si l\u2019on est fumeur, etc.<\/p>\n\n\n\n

Lorsque l\u2019assur\u00e9 d\u2019une assurance vie d\u00e9c\u00e8de de maladie, la premi\u00e8re d\u00e9marche de la compagnie d\u2019assurance est de comparer les ant\u00e9c\u00e9dents m\u00e9dicaux du d\u00e9funt avec le questionnaire qu\u2019il a sign\u00e9 lors de la souscription de l\u2019assurance. Ainsi, si le d\u00e9funt a omis une maladie ou une pathologie pouvant \u00eatre li\u00e9e au d\u00e9c\u00e8s, la compagnie d\u2019assurance refusera de verser l\u2019indemnisation correspondante. Voil\u00e0 pourquoi, pour r\u00e9clamer une assurance vie<\/a>, en cas de d\u00e9c\u00e8s par maladie, ce document rev\u00eat une importance capitale.<\/p>\n\n\n\n

<\/p>\n\n\n\n

L\u2019affaire concr\u00e8te<\/u><\/strong><\/h2>\n\n\n\n

En mars 2019, M. \u201cJ\u201d s\u2019est rendu \u00e0 un h\u00f4pital priv\u00e9<\/a> tr\u00e8s connu pour demander une prise de sang. Il l\u2019a fait de son plein gr\u00e9 et sans pr\u00e9senter aucun probl\u00e8me de sant\u00e9. Le docteur qui s\u2019est occup\u00e9 de lui a aussi ordonn\u00e9 une radiographie du thorax. Les r\u00e9sultats des deux tests ont \u00e9t\u00e9 corrects. La radiographie montrait des valeurs tout \u00e0 fait normales et le taux de cholest\u00e9rol \u00e9tait \u201ctr\u00e8s peu \u00e9lev\u00e9\u201d. Aucun autre examen suppl\u00e9mentaire n\u2019a \u00e9t\u00e9 demand\u00e9 et aucun m\u00e9dicament n\u2019a \u00e9t\u00e9 prescrit. \u00c0 l\u2019issue de cette d\u00e9marche, il ne re\u00e7ut qu\u2019une recommandation g\u00e9n\u00e9rique (applicable \u00e0 pratiquement tout le monde) qui consistait \u00e0 faire de l\u2019exercice de temps en temps et \u00e0 maintenir une alimentation saine.<\/p>\n\n\n\n

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Souscription de l\u2019assurance vie, d\u00e9c\u00e8s subit et refus de la compagnie d\u2019assurance \u00e0 payer<\/u><\/strong><\/h2>\n\n\n\n

Un mois plus tard, fin avril 2019, M. \u201cJ\u201d souscrit une assurance vie, en d\u00e9signant son \u00e9pouse comme b\u00e9n\u00e9ficiaire. Malheureusement, 4 mois plus tard, M. \u201cJ\u201d est d\u00e9c\u00e9d\u00e9 d\u2019une crise cardiaque et la compagnie d\u2019assurance<\/a> a refus\u00e9 de payer l\u2019indemnisation, arguant que le d\u00e9funt avait dissimul\u00e9 dans le questionnaire de sant\u00e9 qu\u2019il souffrait de cholest\u00e9rol et aussi qu\u2019il y avait des test m\u00e9dicaux en attente, dont il n\u2019avait pas inform\u00e9 dans le questionnaire.<\/p>\n\n\n\n

<\/p>\n\n\n\n

D\u00e9cision de premi\u00e8re instance et appel \u00e0 la Cour provinciale<\/u><\/strong><\/h2>\n\n\n\n

Le tribunal de premi\u00e8re instance a rejet\u00e9 la demande de notre cliente et a rendu une d\u00e9cision en faveur de la compagnie d\u2019assurance. Cependant, nous avons fait appel devant la Cour provinciale, convaincus que nos clients avaient raison. En appel, nous avons pu prouver avec succ\u00e8s que le rapport m\u00e9dical soumis par l\u2019h\u00f4pital (indiquant qu\u2019il y avait des tests m\u00e9dicaux en attente) avait \u00e9t\u00e9 d\u00e9livr\u00e9 apr\u00e8s le d\u00e9c\u00e8s. C\u2019est-\u00e0-dire que ces tests n\u2019avaient pas \u00e9t\u00e9 d\u00fbment prescrits au patient avant son d\u00e9c\u00e8s et que, par cons\u00e9quent, il n\u2019y avait pas eu de dissimulation. Le tribunal provincial d\u2019Alicante, \u00e0 la demande de notre bureau, a condamn\u00e9 la compagnie d\u2019assurance \u00e0 payer l\u2019indemnisation pr\u00e9vue dans la police, de 150 000 \u20ac, \u00e0 la veuve du d\u00e9funt.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Conclusions<\/u><\/strong><\/h2>\n\n\n\n

Si votre compagnie d\u2019assurance refuse de payer l\u2019indemnisation de l\u2019assurance vie d\u2019un proche, n\u2019h\u00e9sitez pas \u00e0 \u00a0nous contacter<\/a>. Chez White-Baos nous sommes experts en contentieux judiciaires<\/a>, nous \u00e9tudierons la faisabilit\u00e9 de votre affaire et vous offrirons un conseil juridique expert sur la mani\u00e8re de r\u00e9clamer une assurance vie.<\/p>\n\n\n\n

L\u2019information fournie dans cet article ne pr\u00e9tend pas \u00eatre un conseil l\u00e9gal, il transmet simplement des renseignements d\u2019ordre g\u00e9n\u00e9ral sur des questions juridiques.<\/p>\n\n\n\n

Carlos Baos (avocat)<\/p>\n\n\n\n

White & Baos.<\/p>\n\n\n\n

T\u00e9l : +34 966 426 185<\/p>\n\n\n\n

E-mail : info@white-baos.com<\/a><\/p>\n\n\n\n

White & Baos 2023 \u2013 Tous les droits r\u00e9serv\u00e9s.<\/p>\n\n\n\n

<\/p>\n\n\n\n

Vous pourriez \u00eatre int\u00e9ress\u00e9 par les services et les articles suivants <\/u><\/strong>:<\/u><\/strong><\/h3>\n\n\n\n
Contestation d\u2019un testament espagnol. Nouveau succ\u00e8s judiciaire. Droits l\u00e9gitimes. Application de la loi espagnole \u00e0 des h\u00e9ritiers \u00e9trangers. Conseil juridique.<\/a><\/h5>\n\n\n\n
Nouveau succ\u00e8s judiciaire. R\u00e9clamation judiciaire entre acheteur et vendeur en Espagne. R\u00e9clamation pour probl\u00e8mes de construction, d\u2019humidit\u00e9, de termites.<\/a><\/h5>\n\n\n\n
R\u00e9siliation d\u2019un contrat de s\u00e9jour multipropri\u00e9t\u00e9. Remboursement du montant vers\u00e9. Nouveau succ\u00e8s judiciaire.<\/a><\/h5>\n\n\n\n

<\/p>\n","protected":false},"excerpt":{"rendered":"

R\u00e9clamer une assurance vie. Avocats experts en contentieux judiciaires. Cas de succ\u00e8s. Droit des assurances. Conseil juridique expert. […]<\/p>\n

Lire la suite…<\/a><\/p>\n","protected":false},"author":2,"featured_media":13131,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_crdt_document":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[516,488],"tags":[1484],"class_list":["post-13147","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-droit-des-assurances-espagnol-reclamations-contre-les-compagnies-dassurances","category-judiciaire-droit-civil-consommateurs-et-usagers-judiciaire-immobilier-defauts-de-construction-resolution-de-contrats-expulsions-copropriete-etc","tag-assurance-vie"],"yoast_head":"\nR\u00e9clamer une assurance vie en Espagne.<\/title>\n<meta name=\"description\" content=\"R\u00e9clamer une assurance vie. Avocats experts en contentieux judiciaires. Cas de succ\u00e8s. Droit des assurances. 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