Cierto, parece una moda la de contratar un seguro; ya casi en cualquier servicio se implementan -una cosa más que nos ha dejado la pandemia-, hasta existen algunos que puedes adquirir si vas a un concierto u obra de teatro y que te "protegen" ante una cancelación del show; inclusive, los hay de protección ante un ataque cibernético. Pero, exactamente, ¿en cuáles sí deberías invertir? Bueno, lo primero, es saber que un seguro debe blindarte económicamente ante el peligro de perder un bien que te será difícil recuperar, si existe algo que no entre en esta categoría, entonces olvídalo.
Lo segundo es pensar en la prevención, ya que generalmente se contratan cuando ya ocurrió algo, por ejemplo, luego de los terribles terremotos en la CDMX, de 2017, muchos empezaron a comprar seguros de vivienda y estos se encarecieron, o los seguros de viajes tras la cuarentena por el Covid-19 y las múltiples cancelaciones que empezaron a hacer tanto aerolíneas como hoteles, lo que también provocó una alza en el costo de esas pólizas. Así que, no lo reflexiones más, este es el mejor momento para contratar uno. Ahora siéntate, respira y analiza muy bien qué necesitas. Jorge Armando Alvarado, asesor en AB Asesores en Seguros y Finanzas, me indica que, si bien comprar un seguro a veces puede ser algo confuso, no tiene por qué ser así: "Básicamente deberás responderte las siguientes preguntas: ¿Qué quiero cubrir? ¿Estoy de acuerdo con la cobertura que me ofrecen? ¿Y, puedo pagarlo?".
Glosario básico
This story is from the Septiembre 2022 edition of Cosmopolitan México.
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This story is from the Septiembre 2022 edition of Cosmopolitan México.
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