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Projeto obriga seguradora a informar existência de indenização a beneficiários de seguro de vida

O Projeto de Lei 524/23 obriga as seguradoras a informar aos beneficiários de segurado falecido a existência de indenização de seguro de vida em seu nome. A comunicação deve ocorrer no prazo máximo de 30 dias após o conhecimento do óbito do segurado. A proposta tramita na Câmara dos Deputados.

O deputado Aureo Ribeiro (Solidariedade-RJ), autor do projeto, afirmou que hoje o contratante de seguro de vida deve escolher os beneficiários da indenização, em caso de morte. No entanto, a seguradora não é obrigada a informá-los sobre a existência do seguro quando o segurado morre.

“Desse modo, caso o segurado não tenha indicado um beneficiário e a família não saiba da existência do seguro de vida, pode acontecer de o aviso de sinistro não ser feito e as importâncias jamais serem reclamadas”, disse Ribeiro. “A proposta vem tentar sanar tal falha.”

Para viabilizar a medida, o projeto determina que os cartórios de registro civil devem comunicar o óbito de todos os cidadãos à Superintendência de Seguros Privados (Susep), órgão federal que fiscaliza o setor de seguros.

Hoje só há obrigação de informar a morte à Receita Federal e à Secretaria de Segurança Pública do estado. Caberá à Susep disponibilizar os dados recebidos dos cartórios às seguradoras.

A proposta altera a Lei dos Registros Públicos e a Lei do Seguro Privado.

Tramitação
O PL 524/23 será despachada para análise das comissões da Câmara.

Fonte: Agência Câmara de Notícias

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