Alright, let's talk about 'póliza'. This word is super common, especially when you're dealing with anything official or financial. It means 'insurance policy' or sometimes just 'policy' in a general sense. You'll hear it a lot in everyday Spanish life, so knowing it is a big step for your B1 level.
- Spanish Word
- póliza (noun), CEFR B1
- Definition
- A contract of insurance.
§ Where you actually hear 'póliza'
This isn't a word you'll find in a casual chat with friends unless you're talking about something specific. 'Póliza' comes up in more formal or transactional situations. Think about paperwork, news reports, or official discussions. Let's break down some common places.
§ At Work
If you work in a Spanish-speaking environment, especially in offices, finance, or customer service, you'll definitely encounter 'póliza'.
- Insurance Companies: This is the most obvious place. Every document, every conversation about coverage, premiums, or claims will involve the word 'póliza'.
- Human Resources: Employee benefits often include insurance (health, life). HR departments will use 'póliza' when explaining these benefits.
- Sales/Customer Service: If you're selling anything that comes with a warranty or an insurance option, you'll be talking about 'pólizas'.
Necesito revisar los términos de mi póliza de seguro de coche. (I need to review the terms of my car insurance policy.)
La empresa ofrece una póliza de salud muy completa a sus empleados. (The company offers a very comprehensive health policy to its employees.)
§ In the News
News reports, especially about economics, government, or social issues, frequently use 'póliza'.
- Economic News: Discussions about government economic policies, fiscal policies, or trade policies will use 'póliza' in a broader sense of 'policy'.
- Social Issues: Reports on new social programs or changes in public services often involve the term.
- Insurance Industry News: Any news related to insurance companies, new types of coverage, or changes in regulations will use 'póliza' constantly.
El gobierno implementará una nueva póliza fiscal. (The government will implement a new fiscal policy.)
Hubo un debate sobre la póliza de privacidad de la empresa tecnológica. (There was a debate about the technology company's privacy policy.)
§ In Daily Life (Official Contexts)
Even in personal life, when you're dealing with official matters, 'póliza' comes up.
- Buying a car or house: You'll need insurance, so you'll hear about 'pólizas'.
- Healthcare: If you have private health insurance, all your documentation will refer to your 'póliza'.
- Banking: Some banking products might include insurance, or you might discuss bank policies, using the term.
¿Tienes la póliza de seguro de tu casa a mano? (Do you have your home insurance policy handy?)
La póliza de viaje cubre cancelaciones por enfermedad. (The travel policy covers cancellations due to illness.)
So, there you have it. 'Póliza' is a practical word that points to official documents and established rules, especially in the world of insurance. Keep an ear out for it, and you'll quickly get comfortable using it.
§ What is "póliza"?
When you're dealing with insurance in Spanish, whether it's for your car, home, health, or even travel, the word you need to know is póliza. It's a fundamental term, and understanding it is key to navigating any insurance-related conversation or document.
- DEFINITION
- A contract of insurance.
Think of póliza as the official document that outlines all the terms and conditions of your insurance coverage. It's the agreement between you and the insurance company.
§ Examples of "póliza" in Use
Necesito una nueva póliza de seguro de coche.
(I need a new car insurance policy.)
¿Has leído los términos de tu póliza de salud?
(Have you read the terms of your health policy?)
La póliza de viaje cubre cancelaciones inesperadas.
(The travel policy covers unexpected cancellations.)
§ Related Vocabulary
To talk about insurance effectively, you'll often encounter these words alongside póliza:
- Seguro: This means "insurance" in general. You'll hear "seguro de coche" (car insurance), "seguro de hogar" (home insurance), etc.
- Aseguradora: The insurance company.
- Asegurado/a: The insured person or entity.
- Prima: The premium, which is the amount you pay for the insurance.
- Cobertura: Coverage, referring to what the insurance protects you against.
- Reclamación: A claim, when you ask the insurance company to pay for damages or losses.
§ "Póliza" vs. Similar Words
While póliza specifically refers to the insurance contract, there are other words in Spanish that might seem similar but have different uses.
- Póliza (de seguros)
- This is your go-to for an insurance policy. It's the legal document itself. If someone asks for your "póliza", they are asking for the actual contract.
Guarda tu póliza en un lugar seguro.
(Keep your policy in a safe place.)
- Contrato
- While a póliza is a type of contrato (contract), not all contracts are policies. Contrato is a much broader term. You wouldn't typically say "contrato de seguro" when referring to the specific document, although it's not incorrect in a general sense.
Firmamos un contrato de alquiler.
(We signed a rental contract.)
- Documento
- This is even more general, meaning "document." A póliza is a document, but so is a passport or a birth certificate. You'd only use documento if you're speaking very broadly about paperwork.
¿Tienes todos los documentos necesarios?
(Do you have all the necessary documents?)
§ Why is "póliza" important?
Understanding póliza is essential because it's the official record of your coverage. When you need to make a claim, renew your insurance, or even compare different options, you'll be looking at the details of the póliza. Knowing this term helps you communicate clearly and avoid misunderstandings when dealing with insurance in Spanish-speaking contexts.
Mastering this word will make a real difference in your practical Spanish skills for everyday life and administrative tasks. Keep practicing, and you'll be discussing insurance policies like a native speaker in no time!
Nível de dificuldade
short and common
short and common
short and common
short and common
O que aprender depois
Pré-requisitos
Aprenda a seguir
Avançado
Gramática essencial
Spanish nouns have gender. 'Póliza' is a feminine noun, so it will typically be preceded by feminine articles like 'la' (the) or 'una' (a/an).
La póliza (the policy), una póliza (a policy).
When referring to types of insurance, 'póliza' is often followed by 'de' (of/for) and then the type of insurance.
Póliza de seguro de coche (car insurance policy), póliza de seguro de vida (life insurance policy).
Pluralizing 'póliza': To make it plural, add '-s' to the end, becoming 'pólizas'. The articles will also become plural: 'las' or 'unas'.
Las pólizas (the policies), unas pólizas (some policies).
Verbs commonly used with 'póliza' include 'tener' (to have), 'contratar' (to contract/take out), 'renovar' (to renew), and 'cancelar' (to cancel).
Tengo una póliza (I have a policy), Contratar una póliza (to take out a policy).
Adjectives describing 'póliza' will agree in gender and number. For example, 'una póliza buena' (a good policy) or 'unas pólizas buenas' (some good policies).
Una póliza nueva (a new policy), pólizas vigentes (current policies).
Exemplos por nível
He leído la póliza.
I have read the policy.
Past participle of 'leer' (to read).
Necesito una póliza de seguro de coche.
I need a car insurance policy.
Using 'de' to indicate possession or type.
¿Tienes tu póliza a mano?
Do you have your policy handy?
Possessive adjective 'tu'.
La compañía de seguros envió la póliza por correo.
The insurance company sent the policy by mail.
Preterite tense of 'enviar' (to send).
Esta póliza cubre daños por inundación.
This policy covers flood damage.
Present tense of 'cubrir' (to cover).
Quiero revisar mi póliza actual.
I want to review my current policy.
Infinitive after 'querer' (to want).
La póliza tiene una cláusula importante.
The policy has an important clause.
Using 'tener' (to have).
Es necesario renovar la póliza cada año.
It is necessary to renew the policy every year.
Impersonal expression 'es necesario'.
La póliza de seguro de mi coche expira el próximo mes, así que tengo que renovarla pronto.
My car's insurance policy expires next month, so I need to renew it soon.
Here, 'póliza de seguro' is used to specify the type of policy.
Es importante leer todas las condiciones de la póliza antes de firmar cualquier contrato.
It's important to read all the policy conditions before signing any contract.
'Condiciones de la póliza' refers to the terms and conditions.
Hemos tomado una póliza de vida para asegurar el futuro financiero de nuestros hijos.
We have taken out a life policy to secure our children's financial future.
'Póliza de vida' specifically means life insurance policy.
La compañía de seguros se negó a pagar, argumentando que el incidente no estaba cubierto por la póliza.
The insurance company refused to pay, arguing that the incident was not covered by the policy.
Here, 'cubierto por la póliza' means 'covered by the policy'.
Si pierdes tu trabajo, la póliza de desempleo te puede ofrecer una ayuda económica temporal.
If you lose your job, unemployment policy can offer you temporary financial aid.
'Póliza de desempleo' refers to unemployment insurance.
Necesitamos revisar nuestra póliza de seguro de hogar para ver si incluye cobertura contra inundaciones.
We need to review our home insurance policy to see if it includes flood coverage.
'Póliza de seguro de hogar' is home insurance policy.
El agente de seguros nos explicó detalladamente cada cláusula de la póliza.
The insurance agent explained each clause of the policy in detail to us.
'Cláusula de la póliza' refers to a clause within the policy.
Aunque es más cara, optamos por una póliza con mayor cobertura para estar más tranquilos.
Although it's more expensive, we opted for a policy with greater coverage to be more at ease.
'Póliza con mayor cobertura' means a policy with greater coverage.
Frequentemente confundido com
While 'seguro' can be used as a general term for insurance, 'póliza' refers to the specific document or contract.
A 'póliza' is a document, but 'documento' is a much broader term. Not all documents are insurance policies.
An 'acuerdo' is an agreement, which an insurance policy is, but 'póliza' is the formal, specific agreement for insurance.
Expressões idiomáticas
"Póliza de seguro"
Insurance policy. This is the most common and direct way to refer to an insurance policy.
Necesito renovar mi póliza de seguro de coche. (I need to renew my car insurance policy.)
neutral"Contratar una póliza"
To take out a policy. This means to purchase or arrange for an insurance policy.
Vamos a contratar una póliza de vida para proteger a la familia. (We are going to take out a life insurance policy to protect the family.)
neutral"Pagar la póliza"
To pay the premium. This refers to making the regular payments required to keep an insurance policy active.
Es importante pagar la póliza a tiempo para no perder la cobertura. (It's important to pay the premium on time so as not to lose coverage.)
neutral"La letra pequeña de la póliza"
The fine print of the policy. This refers to the detailed terms and conditions, often in small print, that can contain important exclusions or limitations.
Siempre hay que leer la letra pequeña de la póliza antes de firmar. (You always have to read the fine print of the policy before signing.)
neutral"Tener una póliza en vigor"
To have an active policy. This means the insurance policy is currently valid and providing coverage.
Para conducir, debes tener una póliza de coche en vigor. (To drive, you must have an active car policy.)
neutral"Cancelación de póliza"
Policy cancellation. This refers to terminating an insurance policy.
Recibimos un aviso de cancelación de póliza por falta de pago. (We received a policy cancellation notice for non-payment.)
neutral"Vigencia de la póliza"
Policy validity period. This refers to the period during which the insurance policy is active.
La vigencia de la póliza es de un año. (The policy's validity period is one year.)
neutral"Beneficiario de la póliza"
Policy beneficiary. This is the person or entity who receives the benefits from an insurance policy.
Mi esposa es la beneficiaria de mi póliza de vida. (My wife is the beneficiary of my life insurance policy.)
neutral"Renovar la póliza"
To renew the policy. This means to extend the term of an existing insurance policy.
Se me olvidó renovar la póliza del seguro de viaje. (I forgot to renew my travel insurance policy.)
neutral"Póliza a todo riesgo"
Comprehensive policy. This refers to an insurance policy that covers a wide range of risks.
Para más tranquilidad, prefiero una póliza a todo riesgo. (For more peace of mind, I prefer a comprehensive policy.)
neutralFácil de confundir
'Prima' can mean 'premium' (the cost of insurance), but it also means 'female cousin' or 'priority'. This can be confusing in an insurance context.
In insurance, 'prima' refers to the payment for the policy. In family, it refers to a cousin.
La prima de mi póliza es de cien euros al mes. (The premium of my policy is one hundred euros per month.)
'Seguro' can mean 'insurance' (as a noun) or 'safe/secure' (as an adjective). It's also used to mean 'certain' or 'sure'.
As a noun, 'seguro' is the general concept of insurance. As an adjective, it describes something as safe or certain. 'Póliza' is the specific document.
Necesito un seguro de coche. (I need car insurance.) / Estoy seguro de que lo haré. (I am sure I will do it.)
'Contrato' means 'contract' in general. While an insurance policy is a type of contract, not all contracts are insurance policies.
'Póliza' is a specific type of contract related to insurance. 'Contrato' is a broader term for any agreement.
He firmado un contrato de alquiler. (I have signed a rental contract.) / La póliza es un tipo de contrato. (The policy is a type of contract.)
'Cubrir' can mean 'to cover' in the sense of covering an object, but also 'to cover' an expense or 'to cover' (insure) a risk.
In an insurance context, 'cubrir' means to protect against a risk or pay for something. In other contexts, it can mean to place something over another.
La póliza cubre daños por inundación. (The policy covers flood damage.) / Cubre la mesa con un mantel. (Cover the table with a tablecloth.)
While clear in an insurance context, 'beneficiario' can be confusing if you're thinking of general 'benefits' (beneficios) rather than the specific person who receives the payout from an insurance policy.
'Beneficiario' is the person who receives the payment from the policy. 'Beneficios' are the advantages or profits.
Mi esposa es la beneficiaria de mi póliza de vida. (My wife is the beneficiary of my life policy.)
Família de palavras
Substantivos
Verbos
Adjetivos
Dicas
Always use 'la póliza'
Remember that 'póliza' is a feminine noun, so it always takes the feminine definite article 'la'. You'll never say 'el póliza'.
Common types of 'póliza'
You'll often hear 'póliza de seguro' (insurance policy) or 'póliza de vida' (life insurance policy). The word 'seguro' means insurance.
Not just for insurance
While 'póliza' most commonly refers to an insurance policy, it can also refer to other types of formal written agreements or contracts, although this usage is less common.
How to say 'policyholder'
The person who holds the policy is the 'tomador de la póliza' (literally, the taker of the policy) or 'asegurado' (the insured).
Verbs with 'póliza'
Common verbs you'll use with 'póliza' include 'contratar una póliza' (to take out a policy), 'renovar una póliza' (to renew a policy), and 'cancelar una póliza' (to cancel a policy).
Asking about your policy
If you need to ask about your policy, you could say: '¿Puedo ver mi póliza, por favor?' (Can I see my policy, please?).
Pronunciation practice
Practice saying 'póliza'. The stress is on the first syllable: POH-lee-sah. The 'z' sounds like an 's' in Latin America, and like a 'th' in Spain.
Context is key
When you hear 'póliza', almost always think of insurance. If it's something else, the context will usually make it clear.
Don't confuse with 'política'
Be careful not to confuse 'póliza' (an insurance contract) with 'política' (politics or a general policy/principle). They sound similar but have very different meanings.
Real-world example
Imagine you're buying a car. The salesperson might say: 'Necesitamos firmar la póliza del coche.' (We need to sign the car insurance policy.)
Perguntas frequentes
10 perguntasWhile both relate to insurance, 'póliza' specifically refers to the insurance contract document itself. Think of it as the written agreement outlining the terms. 'Seguro' is the more general term for insurance as a concept or the service being provided.
You'd use it like this: 'Necesito leer mi póliza de seguro antes de firmar.' (I need to read my insurance policy before signing.) Or, 'La póliza cubre daños por agua.' (The policy covers water damage.)
No, not at all! 'Póliza' can refer to any type of insurance contract: car insurance (póliza de coche), health insurance (póliza de salud), home insurance (póliza de hogar), travel insurance (póliza de viaje), and so on.
Absolutely not! That's a common mistake for English speakers. 'Policía' means 'police' or a 'police officer'. It has no relation to insurance. Be careful with those similar-sounding words!
'Póliza' is a feminine noun. You'll always use feminine articles with it, like 'la póliza' or 'una póliza'.
You could ask: '¿Puedo ver mi póliza, por favor?' (Can I see my policy, please?) Or, '¿Qué cubre mi póliza?' (What does my policy cover?)
The plural form is 'pólizas'. For example, 'Tengo varias pólizas de seguro.' (I have several insurance policies.)
While its primary meaning is an insurance contract, in a very specific and less common context, it can refer to a type of commercial bond or note. However, for everyday Spanish and most learners, stick to its meaning as an insurance policy.
Not directly. You wouldn't 'póliza' something. You would 'contratar un seguro' (to contract insurance) or 'asegurar' (to insure), and then you would receive a 'póliza'.
It's quite important. At the B1 level, you're expected to handle most situations that arise while traveling or living in a Spanish-speaking country. Dealing with insurance, whether it's for travel, a rental car, or even a health issue, often involves discussing the 'póliza'.
Teste-se 84 perguntas
Necesito comprar una ___ para mi coche nuevo. (I need to buy an ___ for my new car.)
The word 'póliza' means a policy, like an insurance policy for a car.
Mi ___ de seguro de salud es muy buena. (My health insurance ___ is very good.)
In this context, 'póliza' refers to an insurance policy.
Ellos firmaron una ___ de seguro de vida. (They signed a life insurance ___.)
'Póliza' is used here to mean an insurance policy.
La ___ de seguro de la casa cubre daños por fuego. (The house insurance ___ covers fire damage.)
Here, 'póliza' means an insurance policy for a house.
Es importante leer tu ___ de seguro con atención. (It's important to read your insurance ___ carefully.)
'Póliza' refers to the insurance policy document.
Necesitamos renovar la ___ de nuestro seguro de viaje. (We need to renew the ___ of our travel insurance.)
In this sentence, 'póliza' is used for a travel insurance policy.
Choose the correct Spanish word for 'insurance policy'.
In Spanish, 'insurance policy' is 'la póliza'.
Which of these would you buy to protect your car?
You buy 'una póliza' (an insurance policy) to protect your car.
If you want to insure your new phone, what do you need?
To insure your new phone, you need 'una póliza' (an insurance policy).
A 'póliza' helps protect your belongings.
Yes, a 'póliza' (insurance policy) is a contract that helps protect your belongings.
You eat a 'póliza' for dinner.
No, a 'póliza' is an insurance policy, not something you eat.
You get a 'póliza' to protect your house.
Yes, you can get a 'póliza' (insurance policy) to protect your house.
Listen for 'póliza' in the sentence about car insurance.
Listen for 'póliza' in the question about house needs.
Listen for 'póliza' in a simple statement.
Read this aloud:
Yo tengo una póliza.
Focus: póliza
Você disse:
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Read this aloud:
Es una póliza nueva.
Focus: nueva póliza
Você disse:
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Read this aloud:
Mi póliza es para el coche.
Focus: Mi póliza
Você disse:
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Choose the best translation for 'póliza'.
'Póliza' specifically refers to a policy, especially an insurance policy. The other options are incorrect.
Which word completes the sentence: 'Necesito comprar una ___ de seguro para mi coche.' (I need to buy an insurance ___ for my car.)
To complete the sentence correctly in the context of buying insurance for a car, 'póliza' (policy) is the appropriate word.
Select the correct option: '¿Tienes la ___ de tu seguro médico?' (Do you have your medical insurance ___?)
In the context of medical insurance, 'póliza' (policy) is the correct term to ask if someone has their insurance policy.
A 'póliza' is usually a written agreement.
Yes, an insurance 'póliza' is typically a written contract or agreement.
You can use 'póliza' to refer to a political decision.
No, 'póliza' specifically refers to an insurance policy or a similar contract, not a political decision. For political decisions, you would use 'política'.
If you have car insurance, you have a 'póliza' de coche.
That's correct. A car insurance policy is called a 'póliza de coche' in Spanish.
The speaker needs a type of document for their new car.
The question is about reading a document before signing.
The document provides coverage for a type of damage.
Read this aloud:
La póliza de seguro es muy importante.
Focus: póliza
Você disse:
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Read this aloud:
Necesito mi póliza de seguro de viaje.
Focus: seguro
Você disse:
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Read this aloud:
¿Dónde está la póliza?
Focus: dónde
Você disse:
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Imagine you need to buy car insurance in Spain. What's one thing you would ask about the 'póliza' (policy)?
Well written! Good try! Check the sample answer below.
Sample answer
¿Cuál es el precio de la póliza?
You are explaining to a friend that you have health insurance. Use the word 'póliza' in a sentence to tell them you have a health insurance policy.
Well written! Good try! Check the sample answer below.
Sample answer
Tengo una póliza de seguro de salud.
Your friend asks if you have travel insurance for your trip. How would you respond using 'póliza'?
Well written! Good try! Check the sample answer below.
Sample answer
Sí, tengo una póliza de seguro de viaje.
¿Qué necesita María para su coche?
Read this passage:
María necesita una nueva póliza de seguro para su coche. Ella va a una oficina para hablar con un agente. El agente le explica las diferentes opciones de la póliza. Ella elige la póliza que es mejor para ella.
¿Qué necesita María para su coche?
The passage states 'María necesita una nueva póliza de seguro para su coche.' (Maria needs a new insurance policy for her car.)
The passage states 'María necesita una nueva póliza de seguro para su coche.' (Maria needs a new insurance policy for her car.)
¿Para qué tipo de seguro es la póliza mencionada?
Read this passage:
Mi casa tiene una póliza de seguro contra incendios. Si hay un incendio, la póliza me ayuda a reparar la casa. Es muy importante tener esta protección.
¿Para qué tipo de seguro es la póliza mencionada?
The passage says 'Mi casa tiene una póliza de seguro contra incendios.' (My house has a fire insurance policy.)
The passage says 'Mi casa tiene una póliza de seguro contra incendios.' (My house has a fire insurance policy.)
¿Cuándo compra la persona una póliza de seguro de viaje?
Read this passage:
Antes de viajar, siempre compro una póliza de seguro de viaje. Así, si algo malo pasa durante mi viaje, estoy cubierto. Es una buena idea para todos los viajeros.
¿Cuándo compra la persona una póliza de seguro de viaje?
The passage states 'Antes de viajar, siempre compro una póliza de seguro de viaje.' (Before traveling, I always buy a travel insurance policy.)
The passage states 'Antes de viajar, siempre compro una póliza de seguro de viaje.' (Before traveling, I always buy a travel insurance policy.)
Imagine you need to buy car insurance in Spain. What kind of 'póliza' would you look for and why? Write a short paragraph explaining your choice.
Well written! Good try! Check the sample answer below.
Sample answer
Necesito una póliza de seguro de coche a todo riesgo para mi nuevo vehículo. Quiero la mejor cobertura posible en caso de accidente o robo, incluyendo daños a terceros y a mi propio coche. Es importante que la póliza también cubra asistencia en carretera.
You are explaining to a friend what a 'póliza de seguro de hogar' is. Describe its purpose and what it typically covers in 2-3 sentences.
Well written! Good try! Check the sample answer below.
Sample answer
Una póliza de seguro de hogar es un contrato que te protege contra daños a tu casa. Normalmente cubre cosas como incendios, robos y daños por agua. Te da tranquilidad en caso de un problema inesperado en tu vivienda.
Your Spanish friend has just started a new job. Advise them on why they might need a 'póliza de seguro de vida'. What is its main benefit?
Well written! Good try! Check the sample answer below.
Sample answer
Deberías considerar una póliza de seguro de vida ahora que tienes un trabajo estable. Su principal beneficio es proteger a tu familia económicamente si algo te pasara. Así, tus seres queridos estarán cubiertos en el futuro.
¿Qué cubría la póliza de seguro de María?
Read this passage:
María tuvo un accidente de coche el mes pasado. Afortunadamente, tenía una póliza de seguro a todo riesgo que cubría todos los daños. La compañía de seguros pagó por las reparaciones de su coche y también por los gastos médicos.
¿Qué cubría la póliza de seguro de María?
El pasaje indica claramente que la póliza cubría 'todos los daños', y luego especifica 'las reparaciones de su coche y también por los gastos médicos'.
El pasaje indica claramente que la póliza cubría 'todos los daños', y luego especifica 'las reparaciones de su coche y también por los gastos médicos'.
¿Por qué es importante tener una póliza de seguro de viaje?
Read this passage:
Antes de viajar a otro país, es muy importante contratar una póliza de seguro de viaje. Esta póliza puede cubrir emergencias médicas, pérdida de equipaje y cancelaciones de vuelos. Sin ella, los costos pueden ser muy altos.
¿Por qué es importante tener una póliza de seguro de viaje?
El texto menciona que la póliza 'puede cubrir emergencias médicas, pérdida de equipaje y cancelaciones de vuelos', y advierte que 'sin ella, los costos pueden ser muy altos'.
El texto menciona que la póliza 'puede cubrir emergencias médicas, pérdida de equipaje y cancelaciones de vuelos', y advierte que 'sin ella, los costos pueden ser muy altos'.
¿Qué tipo de cobertura está buscando Juan para su negocio?
Read this passage:
Juan está buscando una nueva póliza de seguro para su negocio. Quiere una que proteja su tienda contra incendios y robos. También necesita cobertura para la responsabilidad civil en caso de que un cliente se lesione dentro de su local.
¿Qué tipo de cobertura está buscando Juan para su negocio?
El pasaje dice que Juan 'quiere una que proteja su tienda contra incendios y robos' y que 'también necesita cobertura para la responsabilidad civil'.
El pasaje dice que Juan 'quiere una que proteja su tienda contra incendios y robos' y que 'también necesita cobertura para la responsabilidad civil'.
This sentence means 'The insurance policy expired.' 'La póliza' is the subject, followed by 'de seguro' to specify the type of policy, and 'expiró' as the verb.
This sentence means 'I need a new health policy.' The verb 'Necesito' comes first, followed by the object 'una nueva póliza de salud'.
This question means 'Have you read the terms of the policy?' The auxiliary verb 'Has' starts the question, followed by the past participle 'leído' and the object 'los términos de la póliza'.
Necesitas una ___ de seguro de coche antes de poder conducir legalmente en España.
In this context, 'póliza' refers to an insurance policy, which is required for driving. The other options don't fit the meaning.
He revisado los términos de mi ___ de vida y parece que cubre accidentes y enfermedades graves.
'Póliza de vida' is the correct term for a life insurance policy, which would cover accidents and serious illnesses.
La empresa ofrece diferentes tipos de ___ para sus empleados, incluyendo seguro médico y dental.
The context implies insurance, so 'pólizas' (policies) is the appropriate plural form for different types of insurance.
Para viajar al extranjero, es recomendable adquirir una ___ de seguro de viaje que cubra emergencias médicas.
A 'póliza de seguro de viaje' is a travel insurance policy, essential for covering medical emergencies abroad.
Mi casa sufrió daños por la tormenta, pero afortunadamente mi ___ de seguro de hogar cubrirá las reparaciones.
A 'póliza de seguro de hogar' (home insurance policy) would cover damages to a house.
Antes de firmar cualquier contrato, asegúrate de leer detenidamente todos los detalles de la ___.
When signing a contract, especially for insurance, it's crucial to read the 'póliza' (policy) carefully.
The insurance policy for the car expires.
They need to review the terms of the health policy.
The speaker signed the policy after careful reading.
Read this aloud:
¿Cuál es la cobertura de tu póliza de viaje?
Focus: póliza
Você disse:
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Read this aloud:
La compañía de seguros envió una copia de la póliza por correo.
Focus: envió
Você disse:
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Read this aloud:
Es importante entender todas las cláusulas de la póliza.
Focus: cláusulas
Você disse:
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This sentence asks for the location of the car insurance policy.
This emphasizes the importance of reading the policy before signing.
This states the need for a new life insurance policy.
The client reviewed each clause of the insurance policy carefully before signing.
The insurance company offered a policy that covered both material damages and civil liability.
It's essential to read the fine print of your policy to understand the exclusions and limitations.
Read this aloud:
Mi póliza de seguro de coche expira el próximo mes. Necesito renovarla urgentemente.
Focus: póliza, expira, urgentemente
Você disse:
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Read this aloud:
¿Has comprobado si tu póliza de viaje cubre cualquier cancelación de última hora?
Focus: comprobado, póliza, cancelación
Você disse:
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Read this aloud:
La póliza de la empresa incluye beneficios de salud y un plan de jubilación para sus empleados.
Focus: póliza, empresa, jubilación
Você disse:
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The company director reviewed every clause of the policy before signing, ensuring it covered all possible risks associated with the new production plant. It was a very complex business insurance policy.
Despite initial promises, the insurer refused to pay the full compensation, arguing that the damages were explicitly excluded in the fine print of the policy, a detail the insured regretted not having read more carefully.
To avoid future litigation, lawyers from both sides worked meticulously to draft a policy that was unequivocal, covering all imaginable contingencies and satisfying government regulatory requirements.
Read this aloud:
Podría explicar la importancia de leer detenidamente cada cláusula de una póliza de seguro antes de comprometerse a ella?
Focus: cláusula, póliza, comprometerse
Você disse:
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Read this aloud:
Describa una situación hipotética en la que una póliza de seguro de viaje podría ser indispensable y explique por qué.
Focus: hipotética, indispensable, por qué
Você disse:
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Read this aloud:
Analice las ramificaciones legales y financieras de no tener una póliza de responsabilidad civil adecuada en un entorno empresarial complejo.
Focus: ramificaciones, responsabilidad, adecuado, empresarial
Você disse:
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Imagine you are an insurance agent explaining to a new client the different types of policies available for small businesses. Describe at least three different policy types and what they cover. Use precise vocabulary related to insurance.
Well written! Good try! Check the sample answer below.
Sample answer
Buenos días. Para su pequeña empresa, podemos considerar varias opciones de póliza. Primero, la póliza de responsabilidad civil general es fundamental, ya que cubre daños a terceros y lesiones corporales. Luego, tenemos la póliza de propiedad, que protege sus activos físicos, como el edificio y el inventario, contra incendios o robos. Finalmente, una póliza de interrupción de negocio es crucial para cubrir la pérdida de ingresos si su empresa no puede operar debido a un evento cubierto, como un desastre natural.
You are a legal advisor writing an email to a client explaining why their recent insurance claim was denied. Detail the specific clauses in their 'póliza' that led to the denial and suggest what they can do next.
Well written! Good try! Check the sample answer below.
Sample answer
Estimado cliente, Lamento informarle que su reciente reclamación de seguro ha sido denegada. Tras revisar detenidamente su póliza, específicamente la cláusula 7.2.B, que establece una exclusión para daños causados por negligencia en el mantenimiento, su caso no cumple con los requisitos de cobertura. Los informes técnicos indican una falta de mantenimiento preventivo, lo que anula la cobertura bajo esta póliza. Le sugiero que revisemos la posibilidad de una apelación, aunque las probabilidades son bajas.
Write a formal complaint letter to an insurance company about significant discrepancies found in your newly issued 'póliza' compared to what was agreed upon. Be specific about the errors and the expected corrections.
Well written! Good try! Check the sample answer below.
Sample answer
Estimados señores, Me dirijo a ustedes para expresar mi profunda preocupación respecto a las discrepancias significativas encontradas en la póliza de seguro número XXXXXXX, emitida el pasado [fecha]. Durante nuestra negociación, se acordó explícitamente una cobertura para [detalle de cobertura], la cual, al revisar la póliza, ha sido omitida o incorrectamente especificada. Además, la prima reflejada no coincide con el acuerdo inicial. Exijo que estas discrepancias sean corregidas de inmediato para reflejar el contrato pactado. Adjunto copias de nuestra correspondencia donde se detallan los acuerdos.
¿Cuál es uno de los objetivos principales de la reforma del sector asegurador?
Read this passage:
La reforma del sector asegurador busca modernizar la legislación vigente para adaptarse a las nuevas realidades del mercado. Uno de los puntos clave es la flexibilidad en la contratación de pólizas, permitiendo a los usuarios personalizar sus coberturas. Sin embargo, esto también conlleva una mayor responsabilidad para el consumidor al momento de entender los términos y condiciones. La transparencia en la información de cada póliza es fundamental para evitar malentendidos y futuras reclamaciones denegadas.
¿Cuál es uno de los objetivos principales de la reforma del sector asegurador?
El pasaje indica que 'La reforma del sector asegurador busca modernizar la legislación vigente para adaptarse a las nuevas realidades del mercado'.
El pasaje indica que 'La reforma del sector asegurador busca modernizar la legislación vigente para adaptarse a las nuevas realidades del mercado'.
Según el pasaje, ¿qué efecto tiene la reciente sentencia del Tribunal Supremo en las pólizas de vida?
Read this passage:
Un caso reciente en el Tribunal Supremo ha sentado un precedente importante en cuanto a la interpretación de las pólizas de vida. La sentencia dictaminó que, en situaciones donde existe ambigüedad en las cláusulas, la interpretación más favorable al asegurado debe prevalecer. Esta decisión refuerza la protección al consumidor y obliga a las compañías a redactar sus pólizas con mayor claridad y precisión para evitar futuras litigios.
Según el pasaje, ¿qué efecto tiene la reciente sentencia del Tribunal Supremo en las pólizas de vida?
El pasaje dice que 'la interpretación más favorable al asegurado debe prevalecer' en casos de ambigüedad, lo que 'refuerza la protección al consumidor'.
El pasaje dice que 'la interpretación más favorable al asegurado debe prevalecer' en casos de ambigüedad, lo que 'refuerza la protección al consumidor'.
¿Cuál es uno de los desafíos clave que enfrenta la digitalización de las pólizas de seguro?
Read this passage:
La digitalización del sector asegurador ha transformado la forma en que los usuarios interactúan con sus pólizas. Ahora es común gestionar contratos, realizar consultas y presentar reclamaciones a través de plataformas en línea. Sin embargo, persisten desafíos relacionados con la seguridad de los datos personales y la necesidad de garantizar que la accesibilidad digital no excluya a segmentos de la población menos familiarizados con la tecnología. La ciberseguridad se ha convertido en una preocupación primordial para proteger la información sensible contenida en cada póliza.
¿Cuál es uno de los desafíos clave que enfrenta la digitalización de las pólizas de seguro?
El texto menciona 'desafíos relacionados con la seguridad de los datos personales y la necesidad de garantizar que la accesibilidad digital no excluya a segmentos de la población'.
El texto menciona 'desafíos relacionados con la seguridad de los datos personales y la necesidad de garantizar que la accesibilidad digital no excluya a segmentos de la población'.
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Always use 'la póliza'
Remember that 'póliza' is a feminine noun, so it always takes the feminine definite article 'la'. You'll never say 'el póliza'.
Common types of 'póliza'
You'll often hear 'póliza de seguro' (insurance policy) or 'póliza de vida' (life insurance policy). The word 'seguro' means insurance.
Not just for insurance
While 'póliza' most commonly refers to an insurance policy, it can also refer to other types of formal written agreements or contracts, although this usage is less common.
How to say 'policyholder'
The person who holds the policy is the 'tomador de la póliza' (literally, the taker of the policy) or 'asegurado' (the insured).
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acerca
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adelantar
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adónde
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