{"id":1851,"date":"2018-12-13T11:03:31","date_gmt":"2018-12-13T11:03:31","guid":{"rendered":"http:\/\/www.aon.es\/site\/ipm-club\/?p=1851"},"modified":"2018-12-13T11:03:31","modified_gmt":"2018-12-13T11:03:31","slug":"pablo-sampascual-programas-multinacionales","status":"publish","type":"post","link":"https:\/\/www.aon.es\/site\/ipm-club\/2018\/12\/13\/pablo-sampascual-programas-multinacionales\/","title":{"rendered":"PABLO SAMPASCUAL SOBRE LOS PROGRAMAS DE SEGUROS MULTINACIONALES"},"content":{"rendered":"\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-41clcb-76fc149563c35be68ad7ecb4b2fc77c7\">\n.flex_column.av-41clcb-76fc149563c35be68ad7ecb4b2fc77c7{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-41clcb-76fc149563c35be68ad7ecb4b2fc77c7 av_one_half  avia-builder-el-0  el_before_av_one_half  avia-builder-el-first  first flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jpi7iupc-13e1233cd5a75cc97e8b34b7507ed2cb\">\n.avia-image-container.av-jpi7iupc-13e1233cd5a75cc97e8b34b7507ed2cb img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-jpi7iupc-13e1233cd5a75cc97e8b34b7507ed2cb .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-jpi7iupc-13e1233cd5a75cc97e8b34b7507ed2cb av-styling- avia-align-center  avia-builder-el-1  el_before_av_textblock  avia-builder-el-first '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-1863 avia-img-lazy-loading-not-1863 avia_image ' src=\"https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/12\/titulo.png\" alt='' title='titulo'  height=\"112\" width=\"356\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/12\/titulo.png 356w, https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/12\/titulo-300x94.png 300w\" sizes=\"(max-width: 356px) 100vw, 356px\" \/><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-jpi6vkby-28c4fb7c543acae88dc7e59d79e74ec3 '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Si su empresa es una multinacional espa\u00f1ola con filiales en distintos pa\u00edses por el mundo, debe tener en cuenta la posibilidad de que sus empleados de las distintas filiales tengan que realizar viajes profesionales. Usted deber\u00e1 velar por el cuidado y protecci\u00f3n de todos sus empleados cuando viajan, tanto por el de los empleados residentes en Espa\u00f1a como por el de los empleados residentes en el resto de pa\u00edses en los que se ubican sus filiales.<\/p>\n<p>Deber\u00e1 decidir si le conviene contratar un programa de seguro multinacional de asistencia en viajes profesionales, suscrito con un asegurador internacional, o si es mejor contratar distintas p\u00f3lizas locales en diferentes jurisdicciones, con diversas compa\u00f1\u00edas de seguros.<\/p>\n<p>Inf\u00f3rmese sobre las regulaciones locales en relaci\u00f3n con la autorizaci\u00f3n o no autorizaci\u00f3n a aseguradoras extranjeras. Un programa no autorizado conllevar\u00e1 que las aseguradoras no puedan pagar las indemnizaciones de manera directa o prestar los servicios estipulados en la p\u00f3liza.<\/p>\n<p><b>Un programa multinacional deber\u00eda proporcionar soluciones rentables, pero m\u00e1s importante que el precio es:<\/b><\/p>\n<ul>\n<li>Que cumpla los requisitos regulatorios, legales y fiscales exigidos en cada territorio.<\/li>\n<li>Que aporte tranquilidad respecto al deber de cuidado.<\/li>\n<li>Que sea consistente, con amplitud de coberturas.<\/li>\n<li>Que garantice un servicio coordinado con una adecuada gesti\u00f3n de siniestros.<\/li>\n<\/ul>\n<\/div><\/section><\/p><\/div>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-35g6qz-8a1f82c1ed10d278dba09612e34aab03\">\n.flex_column.av-35g6qz-8a1f82c1ed10d278dba09612e34aab03{\nborder-radius:0px 0px 0px 0px;\npadding:0px 0px 0px 0px;\n}\n<\/style>\n<div  class='flex_column av-35g6qz-8a1f82c1ed10d278dba09612e34aab03 av_one_half  avia-builder-el-3  el_after_av_one_half  avia-builder-el-last  flex_column_div av-zero-column-padding  '     ><p>\n<style type=\"text\/css\" data-created_by=\"avia_inline_auto\" id=\"style-css-av-jpi71jba-54d69e21ca511d5582401a235bc378dc\">\n.avia-image-container.av-jpi71jba-54d69e21ca511d5582401a235bc378dc img.avia_image{\nbox-shadow:none;\n}\n.avia-image-container.av-jpi71jba-54d69e21ca511d5582401a235bc378dc .av-image-caption-overlay-center{\ncolor:#ffffff;\n}\n<\/style>\n<div  class='avia-image-container av-jpi71jba-54d69e21ca511d5582401a235bc378dc av-styling- avia-align-center  avia-builder-el-4  el_before_av_textblock  avia-builder-el-first '   itemprop=\"image\" itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/ImageObject\" ><div class=\"avia-image-container-inner\"><div class=\"avia-image-overlay-wrap\"><img decoding=\"async\" fetchpriority=\"high\" class='wp-image-1859 avia-img-lazy-loading-not-1859 avia_image ' src=\"https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/12\/sampscual.png\" alt='' title='sampscual'  height=\"159\" width=\"303\"  itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/12\/sampscual.png 303w, https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/12\/sampscual-300x157.png 300w\" sizes=\"(max-width: 303px) 100vw, 303px\" \/><\/div><\/div><\/div><br \/>\n<section  class='av_textblock_section av-jpi73yjr-1d8f76f646f9a7821442c4173808e45c '   itemscope=\"itemscope\" itemtype=\"https:\/\/schema.org\/BlogPosting\" itemprop=\"blogPost\" ><div class='avia_textblock'  itemprop=\"text\" ><p>Aseg\u00farese de que puede demostrar el cumplimiento regulatorio del programa, c\u00f3mo se asignan y recaudan las primas y qu\u00e9 instrucciones se han dado a las oficinas en las que se emiten p\u00f3lizas locales, incluyendo los detalles sobre las primas e impuestos facturados y las particularidades de redacci\u00f3n de la p\u00f3liza y certificados locales.<\/p>\n<p>Tenga en cuenta las restricciones legales que podr\u00edan afectar a la respuesta de su p\u00f3liza de asistencia en viaje en distintos pa\u00edses y generar diferencias en coberturas o en l\u00edmites asegurados, o en el servicio en ciertos territorios.<\/p>\n<p>Aseg\u00farese de que trabaja con una aseguradora que cuenta con una dilatada experiencia en los seguros de asistencia en viajes profesionales, una red mundial de socios locales sobre el terreno que puedan entender los riesgos y requisitos locales y que proporcione una cobertura mundial respaldada con experiencia en la gesti\u00f3n de siniestros y en la prestaci\u00f3n de servicios de emergencia.<\/p>\n<\/div><\/section><br \/>\n<div  class='hr av-av_hr-23b3846cdd0fbd0e234720a594f6db24 hr-default  avia-builder-el-6  el_after_av_textblock  el_before_av_image '><span class='hr-inner '><span class=\"hr-inner-style\"><\/span><\/span><\/div><br 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itemprop=\"thumbnailUrl\" srcset=\"https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/06\/CHUBB_Logo_Magenta_RGB.png 3034w, https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/06\/CHUBB_Logo_Magenta_RGB-300x30.png 300w, https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/06\/CHUBB_Logo_Magenta_RGB-768x78.png 768w, https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/06\/CHUBB_Logo_Magenta_RGB-1030x104.png 1030w, https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/06\/CHUBB_Logo_Magenta_RGB-1500x152.png 1500w, https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/06\/CHUBB_Logo_Magenta_RGB-705x71.png 705w, https:\/\/www.aon.es\/site\/ipm-club\/wp-content\/uploads\/sites\/76\/2018\/06\/CHUBB_Logo_Magenta_RGB-450x46.png 450w\" sizes=\"(max-width: 3034px) 100vw, 3034px\" \/><\/div><\/div><\/div><\/p><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":24,"featured_media":1870,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[64,86,91,45,89,94,82,22,95,14,55,87,83,10,43,50,51,9,81,92,96,90,84,93,38,85,20,88,62],"class_list":["post-1851","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news","tag-business","tag-chubb","tag-director","tag-empresa","tag-espana","tag-espanola","tag-expat","tag-expatriados","tag-filiales","tag-global","tag-globalidad","tag-health","tag-insurance","tag-internacional","tag-internacionalizacion","tag-international","tag-mobility","tag-movilidad","tag-multinacional","tag-pablo","tag-paises","tag-portugal","tag-rentables","tag-sampascual","tag-seguros","tag-soluciones","tag-trabajo","tag-travel","tag-viajes"],"yoast_head":"<!-- This site is optimized with the 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