{"id":37146,"date":"2024-10-21T07:00:28","date_gmt":"2024-10-21T12:00:28","guid":{"rendered":"https:\/\/sucre.net\/?p=37146"},"modified":"2024-10-21T09:26:26","modified_gmt":"2024-10-21T14:26:26","slug":"la-prima-en-el-contrato-de-seguro","status":"publish","type":"post","link":"https:\/\/www.sucre.net\/en\/la-prima-en-el-contrato-de-seguro\/","title":{"rendered":"The premium in the insurance contract"},"content":{"rendered":"<h2>The premium - or \"premio\", as it is called in other countries - is an essential element of the insurance contract.<\/h2>\r\n<p>Although our <a href=\"\/en\/services\/insurance-and-reinsurance-lawyers-in-panama\/\">insurance law<\/a> defines a variety of premiums, namely: <em>received  premiums net of cancellations, <\/em><em>net premium retained,<\/em><em>unearned premium,<\/em><em>written or issued,<\/em><em>premium and written or issued net premium; <\/em>para los efectos de esta C\u00e1psula Informativa, nos limitaremos a conversar muy brevemente sobre la prima pura y simple, esto es,\u00a0 aquella que paga el asegurado por su p\u00f3liza de seguro, con prescindencia de los aspectos t\u00e9cnicos, financieros y contables que la misma reviste. Al ser el contrato de seguro un contrato bilateral, esto es, que impone derechos y obligaciones a ambas partes, tenemos entonces que la principal obligaci\u00f3n del asegurador es la de cubrir y pagar los siniestros amparados por la p\u00f3liza, y la del asegurado, el pagar la prima pactada.\u00a0 La prima es pues, la contraprestaci\u00f3n que paga el asegurado a cambio de que el asegurador le cubra y pague las p\u00e9rdidas que produzca un siniestro amparado en el contrato de seguro. Como es bien sabido, el <a href=\"\/en\/services\/insurance-and-reinsurance-lawyers-in-panama\/\">insurance<\/a> es un negocio en extremo t\u00e9cnico, que requiere para su existencia, y entre otros elementos, de la aplicaci\u00f3n de la llamada \u201cLey de los grande n\u00fameros\u201d. Seg\u00fan el gran tratadista Google, la referida ley nos indica que en <strong><em>\u201c\u2026<\/em><\/strong><strong><em>the\u00a0<\/em><\/strong><a href=\"https:\/\/es.wikipedia.org\/wiki\/Teor%C3%ADa_de_probabilidad\" target=\"_blank\" rel=\"noopener\"><strong><em>theory of probability<\/em><\/strong><\/a><strong><em>, under the generic term of the law of large numbers, several theorems are\u00a0<\/em><\/strong><a href=\"https:\/\/es.wikipedia.org\/wiki\/Teorema\" target=\"_blank\" rel=\"noopener\"><strong><em>encompassed<\/em><\/strong><\/a><strong><em>\u00a0that describe the behavior of the\u00a0<\/em><\/strong><a href=\"https:\/\/es.wikipedia.org\/wiki\/Promedio\" target=\"_blank\" rel=\"noopener\"><strong><em>average<\/em><\/strong><\/a><strong><em>\u00a0of a\u00a0<\/em><\/strong><a href=\"https:\/\/es.wikipedia.org\/wiki\/Sucesi%C3%B3n_matem%C3%A1tica\" target=\"_blank\" rel=\"noopener\"><strong><em>succession<\/em><\/strong><\/a><strong><em>\u00a0of\u00a0<\/em><\/strong><a href=\"https:\/\/es.wikipedia.org\/wiki\/Variable_aleatoria\" target=\"_blank\" rel=\"noopener\"><strong><em>random variables<\/em><\/strong><\/a><strong><em>\u00a0as their number of trials increases.\u201d<\/em><\/strong><em>\u00a0 <\/em>In short, when insurers apply this law in the pricing of premiums, it can be safely concluded that this is not something that is left to chance or luck, and that it is the result of actuarial and mathematical calculations that in a scientific manner, after taking into account a series of elements such as probability and frequency, impact and other elements that need not be mentioned for the moment, are essential in setting the premium to be charged to the insured.  The premium is not, therefore, the result of the insurer's whim. <img fetchpriority=\"high\" decoding=\"async\" class=\"aligncenter wp-image-37151 size-full\" src=\"https:\/\/sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro-1.webp\" alt=\"Contrato de seguro\" width=\"1024\" height=\"683\" srcset=\"https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro-1.webp 1024w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro-1-300x200.webp 300w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro-1-768x512.webp 768w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro-1-18x12.webp 18w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro-1-370x247.webp 370w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro-1-840x560.webp 840w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro-1-410x273.webp 410w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/> In order to protect the insured and ensure that the premium complies with the technical requirements to which the insurance industry must submit, Law 12 of 2012, (Insurance Law) in its Article 145, when referring to premiums and which it calls \u201crates\u201d (tarifas), establishes the following: <strong><em>\u201cThe rates shall comply with the following <\/em><\/strong><strong><em>rules, in addition to those established by the Superintendency by means of a rule of general application:<\/em><\/strong><\/p>\r\n<ol>\r\n<li><strong><em>Observe the actuarial technical principles of equity and sufficiency.<\/em><\/strong><strong><em> or <\/em><\/strong><strong><em>suficiencia<\/em><\/strong><strong><em>.<\/em><\/strong><\/li>\r\n<li><strong><em>Be adequate for the coverage.<\/em><\/strong><\/li>\r\n<li><strong><em>Include acquisition <\/em><\/strong><strong><em>costs <\/em><\/strong><strong><em>which may not be higher than those established in the corresponding technical note.<\/em><\/strong><\/li>\r\n<li><strong><em>Be the product of the use of statistical information that complies with homogeneity and representativeness requirements. <\/em><\/strong><\/li>\r\n<li><strong><em>As the case may be, be the product of the endorsement of reinsurers of recognized technical and financial solvency.\u201d <\/em><\/strong><\/li>\r\n<\/ol>\r\n<p>Tal como el lector podr\u00e1 percatarse de la norma antes transcrita, es la ley, y no el asegurador en forma caprichosa, la que fija los par\u00e1metros a los que el asegurador deber\u00e1 someterse al fijar la prima a cobrar a los asegurados.\u00a0 El regulador es muy celoso en velar por el cumplimiento de esta norma. Hay que tener presente, sin embargo, y aunque es algo que a nadie le agrada, que las primas no son inmutables y por ende no perduran sin cambios a trav\u00e9s del tiempo.\u00a0 La siniestralidad, el aumento en la edad del asegurado, (caso de p\u00f3lizas de vida), el aumento en el costo de los honorarios e insumos m\u00e9dicos (en las de salud), y muchos otros elementos, son tomados en cuenta peri\u00f3dicamente en la variaci\u00f3n y aumento en el valor de estas. As\u00ed pues, y dicho lo anterior, la tarificaci\u00f3n de las primas debe ser el producto de c\u00e1lculos t\u00e9cnicos, no antojadizos, que equilibren la protecci\u00f3n del asegurado, pero tambi\u00e9n la solvencia de los aseguradores, quienes, caso de cobrar primas insuficientes, ponen en peligro al conjunto de asegurados que conf\u00edan a estas sus posibles p\u00e9rdidas.<\/p>\r\n<p>&nbsp;<\/p>\r\n\r\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\">\r\n<div class=\"wp-block-columns is-not-stacked-on-mobile post-autor-combo has-background is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\" style=\"background-color: #ffffff;\">\r\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis: 15%;\">\r\n<figure class=\"wp-block-image size-medium is-style-default\"><img decoding=\"async\" width=\"260\" height=\"300\" class=\"wp-image-34413\" src=\"https:\/\/sucre.net\/wp-content\/uploads\/2024\/03\/Ernesto-B-Arias-260x300.jpg\" alt=\"\" srcset=\"https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Ernesto-B-Arias-260x300.jpg 260w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Ernesto-B-Arias-887x1024.jpg 887w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Ernesto-B-Arias-768x887.jpg 768w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Ernesto-B-Arias-370x427.jpg 370w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Ernesto-B-Arias-840x970.jpg 840w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Ernesto-B-Arias-410x474.jpg 410w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Ernesto-B-Arias-600x693.jpg 600w, https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/03\/Ernesto-B-Arias.jpg 1000w\" sizes=\"(max-width: 260px) 100vw, 260px\" \/><\/figure>\r\n<\/div>\r\n\r\n\r\n\r\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis: 85%;\">\r\n<h3 class=\"wp-block-heading has-text-color has-link-color wp-elements-f017f1465deaa7629fd32f58149470d3\" style=\"color: #333333;\">Authorship: <strong>Ernesto B. Arias<\/strong><\/h3>\r\n\r\n\r\n\r\n<div class=\"wp-block-buttons has-custom-font-size has-small-font-size is-content-justification-left is-layout-flex wp-container-core-buttons-is-layout-fdcfc74e wp-block-buttons-is-layout-flex\">\r\n<div class=\"wp-block-button has-custom-font-size has-small-font-size\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/en\/team\/ernesto-b-arias\/\">PROFILE<\/a><\/div>\r\n\r\n\r\n\r\n<div class=\"wp-block-button has-custom-font-size is-style-outline has-small-font-size is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"\/en\/tag\/ernesto-b-arias\/\">CONTENTS<\/a><\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Si bien nuestra ley de seguro se ocupa de definir una variedad de estas, a saber: primas ingresadas neta de cancelaciones, prima neta retenida, prima neta retenida por cobrar, prima no devengada, prima suscrita o emitida y prima suscrita o emitida neta.<\/p>","protected":false},"author":4,"featured_media":37150,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[297],"tags":[374,375,373,343,376,377],"class_list":["post-37146","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-abogados-en-derecho-de-seguro","tag-abogados-laborales","tag-bufete-de-abogados-especializado","tag-firma-de-abogados","tag-ley-de-seguro","tag-servicios-de-seguros"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La prima en el contrato de seguro en Ciudad de Panam\u00e1<\/title>\n<meta name=\"description\" content=\"El contrato de seguro, un contrato bilateral que impone derechos y obligaciones a ambas partes, la cual tiene como principal obligaci\u00f3n...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.sucre.net\/en\/la-prima-en-el-contrato-de-seguro\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"La prima en el contrato de seguro en Ciudad de Panam\u00e1\" \/>\n<meta property=\"og:description\" content=\"El contrato de seguro, un contrato bilateral que impone derechos y obligaciones a ambas partes, la cual tiene como principal obligaci\u00f3n...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.sucre.net\/en\/la-prima-en-el-contrato-de-seguro\/\" \/>\n<meta property=\"og:site_name\" content=\"Sucre Arias Reyes\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/SucreAriasReyes\/\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-21T12:00:28+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-10-21T14:26:26+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"ZEWS S.A.\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"ZEWS S.A.\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.sucre.net\\\/la-prima-en-el-contrato-de-seguro\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.sucre.net\\\/la-prima-en-el-contrato-de-seguro\\\/\"},\"author\":{\"name\":\"ZEWS S.A.\",\"@id\":\"https:\\\/\\\/www.sucre.net\\\/#\\\/schema\\\/person\\\/c3fdc68447f6470e01f85f2f613b7463\"},\"headline\":\"La prima en el contrato de seguro\",\"datePublished\":\"2024-10-21T12:00:28+00:00\",\"dateModified\":\"2024-10-21T14:26:26+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.sucre.net\\\/la-prima-en-el-contrato-de-seguro\\\/\"},\"wordCount\":751,\"publisher\":{\"@id\":\"https:\\\/\\\/www.sucre.net\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.sucre.net\\\/la-prima-en-el-contrato-de-seguro\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.sucre.net\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/Contrato-de-seguro.webp\",\"keywords\":[\"Abogados en derecho de seguro\",\"Abogados laborales\",\"Bufete de abogados especializado\",\"Firma de abogados\",\"Ley de seguro\",\"Servicios de seguros\"],\"articleSection\":[\"Blog\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.sucre.net\\\/la-prima-en-el-contrato-de-seguro\\\/\",\"url\":\"https:\\\/\\\/www.sucre.net\\\/la-prima-en-el-contrato-de-seguro\\\/\",\"name\":\"La prima en el contrato de seguro en Ciudad de Panam\u00e1\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.sucre.net\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.sucre.net\\\/la-prima-en-el-contrato-de-seguro\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.sucre.net\\\/la-prima-en-el-contrato-de-seguro\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.sucre.net\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/Contrato-de-seguro.webp\",\"datePublished\":\"2024-10-21T12:00:28+00:00\",\"dateModified\":\"2024-10-21T14:26:26+00:00\",\"description\":\"El contrato de seguro, un contrato bilateral que impone derechos y obligaciones a ambas partes, la cual tiene como principal obligaci\u00f3n...\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.sucre.net\\\/la-prima-en-el-contrato-de-seguro\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.sucre.net\\\/la-prima-en-el-contrato-de-seguro\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.sucre.net\\\/la-prima-en-el-contrato-de-seguro\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.sucre.net\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/Contrato-de-seguro.webp\",\"contentUrl\":\"https:\\\/\\\/www.sucre.net\\\/wp-content\\\/uploads\\\/2024\\\/10\\\/Contrato-de-seguro.webp\",\"width\":1024,\"height\":683,\"caption\":\"Contrato de seguro\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.sucre.net\\\/la-prima-en-el-contrato-de-seguro\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Portada\",\"item\":\"https:\\\/\\\/www.sucre.net\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"La prima en el contrato de seguro\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.sucre.net\\\/#website\",\"url\":\"https:\\\/\\\/www.sucre.net\\\/\",\"name\":\"Sucre Arias Reyes\",\"description\":\"Firma de abogados en Panam\u00e1\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.sucre.net\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.sucre.net\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.sucre.net\\\/#organization\",\"name\":\"Sucre Arias Reyes\",\"url\":\"https:\\\/\\\/www.sucre.net\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.sucre.net\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.sucre.net\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/logo-sucre.png\",\"contentUrl\":\"https:\\\/\\\/www.sucre.net\\\/wp-content\\\/uploads\\\/2024\\\/02\\\/logo-sucre.png\",\"width\":800,\"height\":426,\"caption\":\"Sucre Arias Reyes\"},\"image\":{\"@id\":\"https:\\\/\\\/www.sucre.net\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/SucreAriasReyes\\\/\",\"https:\\\/\\\/www.instagram.com\\\/sarpanama\\\/\",\"https:\\\/\\\/pa.linkedin.com\\\/company\\\/sucre-arias-reyes\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.sucre.net\\\/#\\\/schema\\\/person\\\/c3fdc68447f6470e01f85f2f613b7463\",\"name\":\"ZEWS S.A.\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b1607c206e6f79b477390d459104607d24fd38a32f3bd7ade20faa734e62d6b2?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b1607c206e6f79b477390d459104607d24fd38a32f3bd7ade20faa734e62d6b2?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/b1607c206e6f79b477390d459104607d24fd38a32f3bd7ade20faa734e62d6b2?s=96&d=mm&r=g\",\"caption\":\"ZEWS S.A.\"},\"sameAs\":[\"https:\\\/\\\/zewsweb.com\"],\"url\":\"https:\\\/\\\/www.sucre.net\\\/en\\\/author\\\/zwssecre\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"La prima en el contrato de seguro en Ciudad de Panam\u00e1","description":"El contrato de seguro, un contrato bilateral que impone derechos y obligaciones a ambas partes, la cual tiene como principal obligaci\u00f3n...","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.sucre.net\/en\/la-prima-en-el-contrato-de-seguro\/","og_locale":"en_US","og_type":"article","og_title":"La prima en el contrato de seguro en Ciudad de Panam\u00e1","og_description":"El contrato de seguro, un contrato bilateral que impone derechos y obligaciones a ambas partes, la cual tiene como principal obligaci\u00f3n...","og_url":"https:\/\/www.sucre.net\/en\/la-prima-en-el-contrato-de-seguro\/","og_site_name":"Sucre Arias Reyes","article_publisher":"https:\/\/www.facebook.com\/SucreAriasReyes\/","article_published_time":"2024-10-21T12:00:28+00:00","article_modified_time":"2024-10-21T14:26:26+00:00","og_image":[{"width":1024,"height":683,"url":"https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro.webp","type":"image\/webp"}],"author":"ZEWS S.A.","twitter_card":"summary_large_image","twitter_misc":{"Written by":"ZEWS S.A.","Est. reading time":"4 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.sucre.net\/la-prima-en-el-contrato-de-seguro\/#article","isPartOf":{"@id":"https:\/\/www.sucre.net\/la-prima-en-el-contrato-de-seguro\/"},"author":{"name":"ZEWS S.A.","@id":"https:\/\/www.sucre.net\/#\/schema\/person\/c3fdc68447f6470e01f85f2f613b7463"},"headline":"La prima en el contrato de seguro","datePublished":"2024-10-21T12:00:28+00:00","dateModified":"2024-10-21T14:26:26+00:00","mainEntityOfPage":{"@id":"https:\/\/www.sucre.net\/la-prima-en-el-contrato-de-seguro\/"},"wordCount":751,"publisher":{"@id":"https:\/\/www.sucre.net\/#organization"},"image":{"@id":"https:\/\/www.sucre.net\/la-prima-en-el-contrato-de-seguro\/#primaryimage"},"thumbnailUrl":"https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro.webp","keywords":["Abogados en derecho de seguro","Abogados laborales","Bufete de abogados especializado","Firma de abogados","Ley de seguro","Servicios de seguros"],"articleSection":["Blog"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.sucre.net\/la-prima-en-el-contrato-de-seguro\/","url":"https:\/\/www.sucre.net\/la-prima-en-el-contrato-de-seguro\/","name":"La prima en el contrato de seguro en Ciudad de Panam\u00e1","isPartOf":{"@id":"https:\/\/www.sucre.net\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.sucre.net\/la-prima-en-el-contrato-de-seguro\/#primaryimage"},"image":{"@id":"https:\/\/www.sucre.net\/la-prima-en-el-contrato-de-seguro\/#primaryimage"},"thumbnailUrl":"https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro.webp","datePublished":"2024-10-21T12:00:28+00:00","dateModified":"2024-10-21T14:26:26+00:00","description":"El contrato de seguro, un contrato bilateral que impone derechos y obligaciones a ambas partes, la cual tiene como principal obligaci\u00f3n...","breadcrumb":{"@id":"https:\/\/www.sucre.net\/la-prima-en-el-contrato-de-seguro\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.sucre.net\/la-prima-en-el-contrato-de-seguro\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.sucre.net\/la-prima-en-el-contrato-de-seguro\/#primaryimage","url":"https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro.webp","contentUrl":"https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/10\/Contrato-de-seguro.webp","width":1024,"height":683,"caption":"Contrato de seguro"},{"@type":"BreadcrumbList","@id":"https:\/\/www.sucre.net\/la-prima-en-el-contrato-de-seguro\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Portada","item":"https:\/\/www.sucre.net\/"},{"@type":"ListItem","position":2,"name":"La prima en el contrato de seguro"}]},{"@type":"WebSite","@id":"https:\/\/www.sucre.net\/#website","url":"https:\/\/www.sucre.net\/","name":"Sucre Arias Reyes","description":"Law firm in Panama","publisher":{"@id":"https:\/\/www.sucre.net\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.sucre.net\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.sucre.net\/#organization","name":"Sucre Arias Reyes","url":"https:\/\/www.sucre.net\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.sucre.net\/#\/schema\/logo\/image\/","url":"https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/02\/logo-sucre.png","contentUrl":"https:\/\/www.sucre.net\/wp-content\/uploads\/2024\/02\/logo-sucre.png","width":800,"height":426,"caption":"Sucre Arias Reyes"},"image":{"@id":"https:\/\/www.sucre.net\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/SucreAriasReyes\/","https:\/\/www.instagram.com\/sarpanama\/","https:\/\/pa.linkedin.com\/company\/sucre-arias-reyes"]},{"@type":"Person","@id":"https:\/\/www.sucre.net\/#\/schema\/person\/c3fdc68447f6470e01f85f2f613b7463","name":"ZEWS S.A.","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/b1607c206e6f79b477390d459104607d24fd38a32f3bd7ade20faa734e62d6b2?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b1607c206e6f79b477390d459104607d24fd38a32f3bd7ade20faa734e62d6b2?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/b1607c206e6f79b477390d459104607d24fd38a32f3bd7ade20faa734e62d6b2?s=96&d=mm&r=g","caption":"ZEWS S.A."},"sameAs":["https:\/\/zewsweb.com"],"url":"https:\/\/www.sucre.net\/en\/author\/zwssecre\/"}]}},"_links":{"self":[{"href":"https:\/\/www.sucre.net\/en\/wp-json\/wp\/v2\/posts\/37146","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sucre.net\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sucre.net\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sucre.net\/en\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sucre.net\/en\/wp-json\/wp\/v2\/comments?post=37146"}],"version-history":[{"count":0,"href":"https:\/\/www.sucre.net\/en\/wp-json\/wp\/v2\/posts\/37146\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sucre.net\/en\/wp-json\/wp\/v2\/media\/37150"}],"wp:attachment":[{"href":"https:\/\/www.sucre.net\/en\/wp-json\/wp\/v2\/media?parent=37146"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sucre.net\/en\/wp-json\/wp\/v2\/categories?post=37146"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sucre.net\/en\/wp-json\/wp\/v2\/tags?post=37146"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}