{"id":142,"date":"2026-03-06T06:00:31","date_gmt":"2026-03-06T06:00:31","guid":{"rendered":"https:\/\/migoseguros.com\/articulos\/?p=142"},"modified":"2026-03-10T16:58:10","modified_gmt":"2026-03-10T16:58:10","slug":"coaseguro","status":"publish","type":"post","link":"https:\/\/migoseguros.com\/articulos\/coaseguro\/","title":{"rendered":"Coaseguro \u00bfSabes de qu\u00e9 se trata? \u00a1Desc\u00fabrelo!"},"content":{"rendered":"<h2 data-section-id=\"ahpseu\" data-start=\"0\" data-end=\"53\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfQu\u00e9 es el coaseguro en un seguro y c\u00f3mo funciona?<\/span><\/span><\/h2>\n<p data-start=\"55\" data-end=\"358\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Al revisar tu p\u00f3liza, es com\u00fan encontrar t\u00e9rminos que generan dudas. Uno de ellos es el <\/span><\/span><strong data-start=\"142\" data-end=\"155\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">coaseguro<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">, un concepto que influye directamente en el monto que debes pagar cuando ocurre un siniestro. Por ello, entender <\/span><\/span><strong data-start=\"269\" data-end=\"303\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">qu\u00e9 es el coaseguro en seguros<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> te permitir\u00e1 conocer mejor c\u00f3mo funciona tu cobertura.<\/span><\/span><\/p>\n<p data-start=\"55\" data-end=\"358\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">En plataformas como <\/span><\/span><a href=\"https:\/\/migoseguros.com\/cotizar-seguro-de-auto\/\" target=\"_blank\" rel=\"noopener\"><strong data-start=\"852\" data-end=\"864\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Migo.com<\/span><\/span><\/strong><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">, puedes comparar distintas p\u00f3lizas y entender con mayor claridad c\u00f3mo funcionan el <\/span><\/span><strong data-start=\"948\" data-end=\"973\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><a href=\"https:\/\/migoseguros.com\/articulos\/seguro-sin-deducible\/\" target=\"_blank\" rel=\"noopener\">deducible<\/a> y el coaseguro<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">, as\u00ed como el impacto que tienen en el costo final de tu seguro.<\/span><\/span><\/p>\n<h2 data-start=\"55\" data-end=\"358\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfQu\u00e9 es coaseguro en t\u00e9rminos simples?<\/span><\/span><\/h2>\n<p data-start=\"360\" data-end=\"637\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">El <\/span><\/span><strong data-start=\"384\" data-end=\"397\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">coaseguro<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> es el porcentaje del gasto que debe cubrir el asegurado cuando utiliza su seguro, mientras que la aseguradora paga el resto. Es decir, se trata de un <\/span><\/span><strong data-start=\"548\" data-end=\"567\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">pago compartido<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> entre ambas partes cuando ocurre un incidente cubierto por la <a href=\"https:\/\/migoseguros.com\/articulos\/calculadora-de-seguros\/\" target=\"_blank\" rel=\"noopener\">p\u00f3liza<\/a>.<\/span><\/span><\/p>\n<p data-start=\"639\" data-end=\"830\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Asimismo, este porcentaje se encuentra indicado en la car\u00e1tula del contrato y se aplica <\/span><\/span><strong data-start=\"727\" data-end=\"760\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">despu\u00e9s de pagar el <a href=\"https:\/\/migoseguros.com\/articulos\/deducible-de-seguro\/\" target=\"_blank\" rel=\"noopener\">deducible<\/a><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">, por lo que ambos conceptos suelen ir de la mano dentro de un seguro.<\/span><\/span><\/p>\n<h3 data-section-id=\"1pzwnrm\" data-start=\"1188\" data-end=\"1234\"><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfC\u00f3mo funciona el coaseguro en una p\u00f3liza?<\/span><\/span><\/strong><\/h3>\n<p data-start=\"1236\" data-end=\"1520\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">El funcionamiento del <\/span><\/span><strong data-start=\"1258\" data-end=\"1271\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">coaseguro<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> es relativamente sencillo. Cuando ocurre un siniestro y la aseguradora determina el monto de los da\u00f1os o gastos, primero se aplica el <\/span><\/span><strong data-start=\"1406\" data-end=\"1419\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">deducible<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> establecido en la p\u00f3liza. Posteriormente, se calcula el porcentaje correspondiente al <\/span><\/span><strong data-start=\"1506\" data-end=\"1519\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">coaseguro<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">.<\/span><\/span><\/p>\n<p data-start=\"1522\" data-end=\"1771\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">En este sentido, el asegurado cubre una parte del gasto, mientras que la compa\u00f1\u00eda de seguros se hace cargo del resto. Por otro lado, algunas aseguradoras pueden manejar este porcentaje de manera distinta o incluso no incluirlo en ciertas coberturas.<\/span><\/span><\/p>\n<p data-start=\"1773\" data-end=\"1833\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Generalmente, el <\/span><\/span><strong data-start=\"1790\" data-end=\"1803\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">coaseguro<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> se aplica en coberturas como:<\/span><\/span><\/p>\n<ul>\n<li data-start=\"1837\" data-end=\"1855\"><a href=\"https:\/\/migoseguros.com\/articulos\/danos-materiales\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Da\u00f1os materiales<\/span><\/span><\/a><\/li>\n<li data-start=\"1858\" data-end=\"1881\"><a href=\"https:\/\/migoseguros.com\/articulos\/seguro-motos-danos-terceros\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Responsabilidad civil<\/span><\/span><\/a><\/li>\n<li data-start=\"1884\" data-end=\"1912\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><a href=\"https:\/\/migoseguros.com\/articulos\/gastos-medicos-ocupantes\/\" target=\"_blank\" rel=\"noopener\">Gastos m\u00e9dicos<\/a> a ocupantes<\/span><\/span><\/li>\n<li data-start=\"1915\" data-end=\"1927\"><a href=\"https:\/\/migoseguros.com\/articulos\/cobertura-total\/\" target=\"_blank\" rel=\"noopener\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Robo total<\/span><\/span><\/a><\/li>\n<\/ul>\n<p data-start=\"1929\" data-end=\"2034\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Sin embargo, las condiciones pueden variar dependiendo de la aseguradora y del tipo de p\u00f3liza contratada.<\/span><\/span><\/p>\n<p data-start=\"1929\" data-end=\"2034\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1211 size-full\" src=\"https:\/\/migoseguros.com\/articulos\/wp-content\/uploads\/2020\/11\/mapfre-puebla-50.png\" alt=\"Capufe\" width=\"600\" height=\"400\" srcset=\"https:\/\/migoseguros.com\/articulos\/wp-content\/uploads\/2020\/11\/mapfre-puebla-50.png 600w, https:\/\/migoseguros.com\/articulos\/wp-content\/uploads\/2020\/11\/mapfre-puebla-50-300x200.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/p>\n<p data-start=\"1929\" data-end=\"2034\">\u00bfSabes qu\u00e9 es <a href=\"https:\/\/migoseguros.com\/articulos\/capufe\/\" target=\"_blank\" rel=\"noopener\">Capufe<\/a>?<\/p>\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-(--header-height)\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"8dae3d8e-cd99-4eb5-8d89-b46f53c7b25c\" data-testid=\"conversation-turn-7\" data-scroll-anchor=\"false\" data-turn=\"user\"><\/article>\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:5ce3cc16-ce45-4f6d-b9ac-836ef7f651c9-17\" data-testid=\"conversation-turn-8\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col gap-4 grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"281e0200-10e3-4e0e-b9b8-8d0deb886983\" data-message-model-slug=\"gpt-5-3\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<h3 data-section-id=\"1k1zbti\" data-start=\"0\" data-end=\"42\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Un punto clave en el reparto del riesgo<\/span><\/span><\/h3>\n<p data-start=\"44\" data-end=\"292\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">El <\/span><\/span><strong data-start=\"47\" data-end=\"60\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">coaseguro<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> funciona como un mecanismo que permite distribuir el riesgo entre el asegurado y la aseguradora. En otras palabras, ambas partes comparten una parte de la responsabilidad econ\u00f3mica cuando ocurre un siniestro cubierto por la p\u00f3liza.<\/span><\/span><\/p>\n<p data-start=\"294\" data-end=\"527\" data-is-last-node=\"\" data-is-only-node=\"\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Asimismo, este esquema busca promover un uso responsable del seguro. De hecho, al existir una participaci\u00f3n en el pago por parte del asegurado, se evita el uso excesivo de servicios como <a href=\"https:\/\/migoseguros.com\/articulos\/gastos-medicos-ocupantes\/\" target=\"_blank\" rel=\"noopener\">gastos m\u00e9dicos<\/a> o indemnizaciones innecesarias.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<div class=\"flex flex-col text-sm pb-25\">\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:5ce3cc16-ce45-4f6d-b9ac-836ef7f651c9-18\" data-testid=\"conversation-turn-10\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col gap-4 grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"cb8b6d89-60f8-483b-b15e-39bda843dd31\" data-message-model-slug=\"gpt-5-3\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<h2 data-section-id=\"9f83ld\" data-start=\"0\" data-end=\"52\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfPor qu\u00e9 es importante saber qu\u00e9 es el coaseguro?<\/span><\/span><\/h2>\n<p data-start=\"54\" data-end=\"319\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Conocer <\/span><\/span><strong data-start=\"62\" data-end=\"85\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">qu\u00e9 es el coaseguro<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> es fundamental para entender c\u00f3mo funciona tu seguro y cu\u00e1nto podr\u00edas pagar en caso de un siniestro. Este concepto es especialmente relevante en coberturas como los <\/span><\/span><strong data-start=\"251\" data-end=\"280\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">seguros de <a href=\"https:\/\/migoseguros.com\/articulos\/gastos-medicos-ocupantes\/\" target=\"_blank\" rel=\"noopener\">gastos m\u00e9dicos<\/a><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">, donde los costos pueden ser elevados.<\/span><\/span><\/p>\n<p data-start=\"321\" data-end=\"597\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Adem\u00e1s, el <\/span><\/span><strong data-start=\"332\" data-end=\"345\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">coaseguro<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> permite que el asegurado reciba apoyo econ\u00f3mico ante una situaci\u00f3n inesperada. De esta forma, la aseguradora cubre una parte importante de los gastos, mientras que el usuario solo paga un <\/span><\/span><strong data-start=\"534\" data-end=\"558\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">porcentaje del total<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">, previamente establecido en la p\u00f3liza.<\/span><\/span><\/p>\n<p data-start=\"599\" data-end=\"824\" data-is-last-node=\"\" data-is-only-node=\"\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">En este sentido, contar con un seguro que incluye <\/span><\/span><strong data-start=\"649\" data-end=\"674\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">deducible y coaseguro<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> puede ayudarle a enfrentar gastos imprevistos sin afectar por completo su econom\u00eda, ya que la mayor parte del costo estar\u00e1 cubierta por la aseguradora.<\/span><\/span><\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<\/div>\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-(--header-height)\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"ae472cbb-d9dd-456a-b763-f03bde8611d4\" data-testid=\"conversation-turn-11\" data-scroll-anchor=\"false\" data-turn=\"user\"><\/article>\n<article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:5ce3cc16-ce45-4f6d-b9ac-836ef7f651c9-19\" data-testid=\"conversation-turn-12\" data-scroll-anchor=\"true\" data-turn=\"assistant\">\n<div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:var(--thread-content-margin-xs,calc(var(--spacing)*4))] @w-sm\/main:[--thread-content-margin:var(--thread-content-margin-sm,calc(var(--spacing)*6))] @w-lg\/main:[--thread-content-margin:var(--thread-content-margin-lg,calc(var(--spacing)*16))] px-(--thread-content-margin)\">\n<div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\">\n<div class=\"flex max-w-full flex-col gap-4 grow\">\n<div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"22624b6f-71f6-4a7d-803a-20a4945126ce\" data-message-model-slug=\"gpt-5-3\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden\">\n<div class=\"markdown prose dark:prose-invert w-full wrap-break-word light markdown-new-styling\">\n<h2 data-section-id=\"fqscsh\" data-start=\"0\" data-end=\"21\"><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Tipos de coaseguro<\/span><\/span><\/strong><\/h2>\n<p data-start=\"23\" data-end=\"309\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Existen distintos <\/span><\/span><strong data-start=\"41\" data-end=\"63\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">tipos de coaseguro<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">, los cuales representan la proporci\u00f3n de gastos que el asegurado debe cubrir en caso de enfermedad, accidente o siniestro. En otras palabras, se trata de la parte del costo que vende directamente de su bolsillo, seg\u00fan lo establecido en la p\u00f3liza.<\/span><\/span><\/p>\n<p data-start=\"311\" data-end=\"479\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Una vez que sepas <\/span><\/span><strong data-start=\"329\" data-end=\"363\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">qu\u00e9 es el coaseguro en seguros<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">, es importante conocer las modalidades bajo las que puede aplicarse. A continuaci\u00f3n, te explicamos las m\u00e1s comunes:<\/span><\/span><\/p>\n<ul>\n<li><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Coaseguro directo<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">: Ocurre cuando se contrata una p\u00f3liza con una aseguradora espec\u00edfica para cubrir un riesgo, pero esta compa\u00f1\u00eda decide ceder una parte del riesgo a otra aseguradora. En este caso, el asegurado es informado sobre esta distribuci\u00f3n.<\/span><\/span><\/li>\n<li><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Coaseguro convenido<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">: En esta modalidad, el propio asegurado decide qu\u00e9 <\/span><\/span><strong data-start=\"813\" data-end=\"839\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">dos o m\u00e1s aseguradoras<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> participan en la cobertura del mismo riesgo. De esta manera, cada compa\u00f1\u00eda asume una parte proporcional de la protecci\u00f3n.<\/span><\/span><\/li>\n<li><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Coaseguro interno<\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">: Se trata de un acuerdo entre aseguradoras en el que el asegurador distribuye parte del riesgo sin informar al asegurado. Sin embargo, la compa\u00f1\u00eda con la que se contrat\u00f3 la p\u00f3liza sigue siendo responsable ante cualquier siniestro.<\/span><\/span><\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/article>\n<h2><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Diferencia entre deducible, coaseguro y copagos<\/span><\/span><\/strong><\/h2>\n<ul>\n<li><a href=\"https:\/\/migoseguros.com\/articulos\/seguro-sin-deducible\/\" target=\"_blank\" rel=\"noopener\"><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Deducible<\/span><\/span><\/span><\/span><\/strong><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">: Es una cantidad fija, preestablecida en el contrato, que el asegurador pagar\u00e1 por cada atentado o accidente que est\u00e9 cubierto con su p\u00f3liza. A mayor deducible por evento, menor prima.<\/span><\/span><\/span><\/span><\/li>\n<li><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Coaseguro<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">: Es un porcentaje que se aplica, despu\u00e9s del deducible, al monto total de los gastos cubiertos en una reclamaci\u00f3n y que lo cubrir\u00e1 el asegurado. A mayor coaseguro (m\u00e1s pago por evento por parte del asegurado), menor ser\u00e1 la p\u00f3liza a pagar.<\/span><\/span><\/span><\/span><\/li>\n<li><a href=\"https:\/\/migoseguros.com\/articulos\/coaseguro\/\" target=\"_blank\" rel=\"noopener\"><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Copagos<\/span><\/span><\/span><\/span><\/strong><\/a><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">: Son las cantidades m\u00e1s peque\u00f1as que deben pagar por cada visita y van dirigidas m\u00e1s a estar vinculadas con los gastos m\u00e9dicos menores o accidentes no graves.<\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<h2 data-section-id=\"1d0bea5\" data-start=\"0\" data-end=\"54\"><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfCu\u00e1l es la diferencia entre coaseguro y deducible?<\/span><\/span><\/span><\/span><\/strong><\/h2>\n<p data-start=\"56\" data-end=\"300\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Entender la <\/span><\/span><\/span><\/span><strong data-start=\"68\" data-end=\"110\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">diferencia entre coaseguro y deducible<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> es fundamental para saber cu\u00e1nto deber\u00e1s pagar cuando utilices tu seguro. Aunque ambos conceptos implican una participaci\u00f3n econ\u00f3mica por parte del asegurado, su funcionamiento es distinto.<\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"302\" data-end=\"545\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">El <\/span><\/span><\/span><\/span><strong data-start=\"305\" data-end=\"318\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">deducible<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> es la cantidad inicial que el asegurado debe pagar para poder utilizar su cobertura. Este monto est\u00e1 establecido en la car\u00e1tula de la p\u00f3liza y se conoce desde el momento en que realiza la contrataci\u00f3n o cotizaci\u00f3n del seguro.<\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"547\" data-end=\"803\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Por otro lado, el <\/span><\/span><\/span><\/span><strong data-start=\"565\" data-end=\"578\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">coaseguro<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> es el porcentaje del gasto que el asegurado debe cubrir <\/span><\/span><\/span><\/span><strong data-start=\"635\" data-end=\"675\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">despu\u00e9s de haber pagado el deducible<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">. Es decir, una vez que se descuenta el deducible del total de los gastos, se aplica el porcentaje correspondiente al coaseguro.<\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"805\" data-end=\"1115\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Por ejemplo, si ocurre un siniestro que implica hospitalizaci\u00f3n, tratamientos, honorarios m\u00e9dicos o medicamentos, primero se paga el deducible. Posteriormente, el asegurado cubre un porcentaje del monto restante, que suele rondar alrededor del <\/span><\/span><\/span><\/span><strong data-start=\"1049\" data-end=\"1070\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">5% de los gastos<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">, dependiendo de lo que establezca la p\u00f3liza.<\/span><\/span><\/span><\/span><\/p>\n<h2 data-section-id=\"bhewn9\" data-start=\"0\" data-end=\"43\"><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfC\u00f3mo calcular el deducible y el coaseguro?<\/span><\/span><\/span><\/span><\/strong><\/h2>\n<p data-start=\"45\" data-end=\"258\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Entender <\/span><\/span><\/span><\/span><strong data-start=\"54\" data-end=\"96\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">c\u00f3mo calcular el deducible y coaseguro<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> es clave para saber cu\u00e1nto deber\u00e1s pagar cuando utilices tu seguro. Ambos conceptos trabajan juntos dentro de una pol\u00edtica, pero se aplican en momentos diferentes.<\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"260\" data-end=\"332\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Para comprenderlo mejor, veamos un <\/span><\/span><\/span><\/span><strong data-start=\"295\" data-end=\"331\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">ejemplo de deducible y coaseguro<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">.<\/span><\/span><\/span><\/span><\/p>\n<h3 data-section-id=\"ncssen\" data-start=\"334\" data-end=\"370\"><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Ejemplo de deducible y coaseguro<\/span><\/span><\/span><\/span><\/strong><\/h3>\n<p data-start=\"372\" data-end=\"429\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Supongamos que <\/span><\/span><\/span><\/span><strong data-start=\"387\" data-end=\"405\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Roberto Rivera<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> contrata un seguro con:<\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li data-start=\"433\" data-end=\"463\"><strong data-start=\"433\" data-end=\"447\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Deducible:<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> $10,000 pesos<\/span><\/span><\/span><\/span><\/li>\n<li data-start=\"466\" data-end=\"484\"><strong data-start=\"466\" data-end=\"480\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Coaseguro:<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> 5 %<\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p data-start=\"486\" data-end=\"581\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Posteriormente, Roberto sufre un accidente cuyos gastos m\u00e9dicos ascienden a <\/span><\/span><\/span><\/span><strong data-start=\"562\" data-end=\"580\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">$100,000 pesos<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">.<\/span><\/span><\/span><\/span><\/p>\n<ol>\n<li data-start=\"586\" data-end=\"746\"><strong data-start=\"586\" data-end=\"620\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Primero se aplica el deducible.<\/span><\/span><\/span><\/span><\/strong><br data-start=\"620\" data-end=\"623\" \/><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> Roberto debe pagar los primeros <\/span><\/span><\/span><\/span><strong data-start=\"658\" data-end=\"675\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">$10,000 pesos<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">. <\/span><\/span><\/span><\/span><br data-start=\"676\" data-end=\"679\" \/><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Despu\u00e9s de este pago, el monto restante es de <\/span><\/span><\/span><\/span><strong data-start=\"728\" data-end=\"745\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">$90,000 pesos<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">.<\/span><\/span><\/span><\/span><\/li>\n<li data-start=\"751\" data-end=\"852\"><strong data-start=\"751\" data-end=\"784\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Luego se calcula el coaseguro.<\/span><\/span><\/span><\/span><\/strong><br data-start=\"784\" data-end=\"787\" \/><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> Sobre los $90,000 restantes se aplica el <\/span><\/span><\/span><\/span><strong data-start=\"831\" data-end=\"851\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">5% de coaseguro<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/span><\/li>\n<\/ol>\n<p data-start=\"857\" data-end=\"889\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">$90,000 \u00d7 5 % = <\/span><\/span><\/span><\/span><strong data-start=\"873\" data-end=\"889\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">$4,500<\/span><\/span><\/span><\/span><\/strong><\/p>\n<ol data-start=\"583\" data-end=\"913\">\n<li data-section-id=\"1fm3hcn\" data-start=\"891\" data-end=\"913\">\n<p data-start=\"894\" data-end=\"913\"><strong data-start=\"894\" data-end=\"913\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Resultado final<\/span><\/span><\/span><\/span><\/strong><\/p>\n<\/li>\n<\/ol>\n<ul>\n<li data-start=\"917\" data-end=\"938\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Pago del asegurado:<br \/>\n<\/span><\/span><\/span><\/span><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">$10,000 de deducible<br \/>\n<\/span><\/span><\/span><\/span><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">$4,500 de coaseguro<br \/>\n<\/span><\/span><\/span><\/span><strong data-start=\"996\" data-end=\"1020\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Total: $14,500 pesos<\/span><\/span><\/span><\/span><\/strong><\/li>\n<li data-start=\"1024\" data-end=\"1049\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Pago de la aseguradora:<br \/>\n<\/span><\/span><\/span><\/span><strong data-start=\"1054\" data-end=\"1071\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">$85,500 pesos<\/span><\/span><\/span><\/span><\/strong><\/li>\n<li style=\"list-style-type: none;\"><\/li>\n<\/ul>\n<p data-start=\"1073\" data-end=\"1278\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Este <\/span><\/span><\/span><\/span><strong data-start=\"1078\" data-end=\"1099\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">ejemplo<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> de coaseguro muestra c\u00f3mo se reparte el costo entre el asegurado y la compa\u00f1\u00eda. Sin embargo, los porcentajes y condiciones pueden variar seg\u00fan cada aseguradora y el tipo de p\u00f3liza contratada.<\/span><\/span><\/span><\/span><\/p>\n<h3 data-section-id=\"1ircp9n\" data-start=\"1280\" data-end=\"1331\"><strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">\u00bfC\u00f3mo funciona el coaseguro entre aseguradoras?<\/span><\/span><\/span><\/span><\/strong><\/h3>\n<p data-start=\"1333\" data-end=\"1515\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Adem\u00e1s del porcentaje que paga el asegurado, tambi\u00e9n existe otra forma de <\/span><\/span><\/span><\/span><strong data-start=\"1407\" data-end=\"1431\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">coaseguro en seguros<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">. En este caso, varias aseguradoras comparten un mismo riesgo bajo una misma p\u00f3liza.<\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"1517\" data-end=\"1696\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Es decir, <\/span><\/span><\/span><\/span><strong data-start=\"1527\" data-end=\"1585\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">dos o m\u00e1s aseguradoras participantes en el mismo contrato<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">, donde cada una asume una parte del riesgo y, en la misma proporci\u00f3n, recibe una parte de la prima del seguro.<\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"1698\" data-end=\"1714\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">En este sentido:<\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li data-start=\"1718\" data-end=\"1814\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Cada aseguradora responde <\/span><\/span><\/span><\/span><strong data-start=\"1744\" data-end=\"1768\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">de manera individual<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> por la parte del riesgo que le corresponde.<\/span><\/span><\/span><\/span><\/li>\n<li data-start=\"1817\" data-end=\"1971\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Las responsabilidades frente al asegurado son <\/span><\/span><\/span><\/span><strong data-start=\"1863\" data-end=\"1895\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">conjuntas, pero no solidarias<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">, lo que significa que cada compa\u00f1\u00eda paga \u00fanicamente su proporci\u00f3n acordada.<\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<h3 data-section-id=\"ego06n\" data-start=\"1973\" data-end=\"1999\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Ventajas del coaseguro<\/span><\/span><\/span><\/span><\/h3>\n<p data-start=\"2001\" data-end=\"2054\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Entre los beneficios del <\/span><\/span><\/span><\/span><strong data-start=\"2026\" data-end=\"2039\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">coaseguro<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> se encuentran:<\/span><\/span><\/span><\/span><\/p>\n<ul>\n<li data-start=\"2058\" data-end=\"2119\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Permite <\/span><\/span><\/span><\/span><strong data-start=\"2066\" data-end=\"2116\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">distribuir el riesgo entre varias aseguradoras<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> .<\/span><\/span><\/span><\/span><\/li>\n<li data-start=\"2122\" data-end=\"2177\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Reducir el riesgo de insolvencia de una sola compa\u00f1\u00eda.<\/span><\/span><\/span><\/span><\/li>\n<li data-start=\"2180\" data-end=\"2255\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Facilitar la participaci\u00f3n de varias empresas en coberturas de alto valor.<\/span><\/span><\/span><\/span><\/li>\n<li data-start=\"2258\" data-end=\"2338\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Puede generar beneficios comerciales o financieros para las partes involucradas.<\/span><\/span><\/span><\/span><\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-1212 size-full\" src=\"https:\/\/migoseguros.com\/articulos\/wp-content\/uploads\/2020\/11\/mapfre-puebla-51.png\" alt=\"Capufe\" width=\"600\" height=\"400\" srcset=\"https:\/\/migoseguros.com\/articulos\/wp-content\/uploads\/2020\/11\/mapfre-puebla-51.png 600w, https:\/\/migoseguros.com\/articulos\/wp-content\/uploads\/2020\/11\/mapfre-puebla-51-300x200.png 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/p>\n<p><a href=\"https:\/\/migoseguros.com\/articulos\/semovi\/\" target=\"_blank\" rel=\"noopener\">\u00bfQu\u00e9 es la SEMOVI? \u00a1Desc\u00fabrelo!<\/a><\/p>\n<h2 data-section-id=\"1hfrulv\" data-start=\"0\" data-end=\"41\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Diferencia entre coaseguro y reaseguro<\/span><\/span><\/span><\/span><\/h2>\n<p data-start=\"43\" data-end=\"279\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">El <\/span><\/span><\/span><\/span><strong data-start=\"46\" data-end=\"59\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">reaseguro<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> suele definirse como el \u201cseguro de los seguros\u201d. Esto significa que una aseguradora contrata a otra empresa especializada llamada reaseguradora\u00a0 cuando necesita respaldo financiero para cubrir riesgos de gran magnitud.<\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"281\" data-end=\"532\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">En otras palabras, si una aseguradora enfrenta un evento que supera su capacidad econ\u00f3mica, puede apoyarse en una reaseguradora para cumplir con sus obligaciones. Por ejemplo, esto suele ocurrir en <\/span><\/span><\/span><\/span><strong data-start=\"479\" data-end=\"531\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">eventos catastr\u00f3ficos o siniestros de gran valor<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">.<\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"534\" data-end=\"890\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Sin embargo, el <\/span><\/span><\/span><\/span><strong data-start=\"550\" data-end=\"595\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">reaseguro no es visible para el asegurado<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">. Este acuerdo se realiza \u00fanicamente entre la aseguradora y la reaseguradora, por lo que el cliente mantiene su relaci\u00f3n directa con la compa\u00f1\u00eda con la que contrat\u00f3 su p\u00f3liza. Incluso si interviene la reaseguradora, cualquier pago o indemnizaci\u00f3n se realiza a trav\u00e9s de la aseguradora principal.<\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"892\" data-end=\"1109\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">Por otro lado, el <\/span><\/span><\/span><\/span><strong data-start=\"910\" data-end=\"923\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">coaseguro<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"> s\u00ed es del conocimiento del asegurado. En este caso, dos o m\u00e1s aseguradoras pueden participar en la cobertura de un mismo riesgo, lo cual queda estipulado claramente dentro de la p\u00f3liza.<\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"1111\" data-end=\"1374\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">En este sentido, la principal diferencia radica en que <\/span><\/span><\/span><\/span><strong data-start=\"1166\" data-end=\"1256\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">el coaseguro distribuye el riesgo entre varias aseguradoras dentro de una misma <a href=\"https:\/\/migoseguros.com\/articulos\/calculadora-de-seguros\/\" target=\"_blank\" rel=\"noopener\">p\u00f3liza<\/a><\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">, mientras que el <\/span><\/span><\/span><\/span><strong data-start=\"1274\" data-end=\"1373\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">reaseguro funciona como un respaldo financiero para la aseguradora en situaciones excepcionales<\/span><\/span><\/span><\/span><\/strong><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\"><span dir=\"auto\" style=\"vertical-align: inherit;\">.<\/span><\/span><\/span><\/span><\/p>\n<p data-start=\"1111\" data-end=\"1374\"><strong>Preguntas frecuentes\u00a0<\/strong><\/p>\n<p>1. \u00bfQu\u00e9 es el coaseguro en un seguro?<br \/>\nEl coaseguro es el porcentaje del gasto que debe pagar el asegurado cuando utiliza su p\u00f3liza, mientras que la aseguradora cubre el resto. Este porcentaje se aplica despu\u00e9s de pagar el deducible y est\u00e1 especificado en el contrato del seguro.<\/p>\n<p>2. \u00bfCu\u00e1l es la diferencia entre deducible y coaseguro?<br \/>\nEl deducible es la cantidad fija que el asegurado paga primero al momento de un siniestro. En cambio, el coaseguro es el porcentaje del gasto restante que se paga despu\u00e9s de aplicar el deducible.<\/p>\n<p>3. \u00bfC\u00f3mo se calcula el deducible y el coaseguro?<br \/>\nPrimero se descuenta el deducible del total de los gastos del siniestro. Despu\u00e9s, al monto restante se le aplica el porcentaje del coaseguro que aparece en la p\u00f3liza, y ese ser\u00e1 el monto que deber\u00e1 cubrir el asegurado.<\/p>\n<p>4. \u00bfEn qu\u00e9 coberturas se aplica el coaseguro?<br \/>\nGeneralmente, el coaseguro se aplica en coberturas como da\u00f1os materiales, responsabilidad civil, gastos m\u00e9dicos a ocupantes y robo total, aunque esto puede variar seg\u00fan la aseguradora y el tipo de p\u00f3liza.<\/p>\n<p>5. \u00bfQu\u00e9 tipos de coaseguro existen?<br \/>\nLos principales tipos son:<\/p>\n<p>Coaseguro directo, cuando una aseguradora comparte el riesgo con otra compa\u00f1\u00eda.<\/p>\n<p>Coaseguro convenido, cuando el asegurado decide que varias aseguradoras participen en la cobertura.<\/p>\n<p>Coaseguro interno, cuando las aseguradoras distribuyen el riesgo entre ellas.<\/p>\n<p>6. \u00bfCu\u00e1l es la diferencia entre coaseguro y reaseguro?<br \/>\nEl coaseguro ocurre cuando dos o m\u00e1s aseguradoras comparten el mismo riesgo dentro de una p\u00f3liza. En cambio, el reaseguro es un acuerdo entre aseguradoras para respaldarse financieramente ante riesgos grandes o eventos catastr\u00f3ficos.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00bfQu\u00e9 es el coaseguro en un seguro y c\u00f3mo funciona? Al revisar tu p\u00f3liza, es com\u00fan encontrar t\u00e9rminos que generan dudas. Uno de ellos es el coaseguro, un concepto que influye directamente en el monto que debes pagar cuando ocurre un siniestro. Por ello, entender qu\u00e9 es el coaseguro en seguros te permitir\u00e1 conocer mejor [&hellip;]<\/p>\n","protected":false},"author":9,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"template-gral\/page-type-post.php","format":"standard","meta":{"footnotes":""},"categories":[2],"tags":[],"class_list":["post-142","post","type-post","status-publish","format-standard","hentry","category-seguros"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Coaseguro: \u00bfSabes qu\u00e9 es y c\u00f3mo funciona? \u00a1Desc\u00fabrelo! | Migo Seguros<\/title>\n<meta name=\"description\" content=\"El coaseguro es un monto adicional que debe pagar un asegurado para hacer efectivo los diferentes servicios que ha contratado.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/migoseguros.com\/articulos\/coaseguro\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Coaseguro: \u00bfSabes qu\u00e9 es y c\u00f3mo funciona? 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