{"id":9037,"date":"2025-01-20T10:27:34","date_gmt":"2025-01-20T13:27:34","guid":{"rendered":"https:\/\/odecu.cl\/v2\/seguro-obligatorio-de-accidentes-personales-soap-en-chile-que-es-y-como-funciona\/"},"modified":"2025-01-20T10:27:34","modified_gmt":"2025-01-20T13:27:34","slug":"seguro-obligatorio-de-accidentes-personales-soap-en-chile-que-es-y-como-funciona","status":"publish","type":"post","link":"https:\/\/odecu.cl\/ticketera\/seguro-obligatorio-de-accidentes-personales-soap-en-chile-que-es-y-como-funciona\/","title":{"rendered":"Seguro Obligatorio de Accidentes Personales (SOAP) en Chile: \u00bfQu\u00e9 es y c\u00f3mo funciona?"},"content":{"rendered":"<p>El Seguro Obligatorio de Accidentes Personales (SOAP) es fundamental para proteger a las personas involucradas en accidentes de tr\u00e1nsito en Chile. A pesar de ser un requisito legal para los veh\u00edculos, muchos desconocen c\u00f3mo funciona, qu\u00e9 cubre y c\u00f3mo utilizarlo en caso de emergencia.<\/p>\n<p>\u00bfC\u00f3mo funciona el SOAP?, \u00bfpara qu\u00e9 sirve? Y \u00bfcu\u00e1l es su cobertura? Esto y m\u00e1s te contamos en la siguiente Pregunta Frecuente de ODECU.<\/p>\n<p><!--more--><\/p>\n<p>&nbsp;<\/p>\n<p><strong>\u00bfQu\u00e9 es el SOAP y para qu\u00e9 sirve?<\/strong><\/p>\n<p>El Seguro Obligatorio de Accidentes Personales (SOAP) es un seguro exigido por la legislaci\u00f3n chilena para todos los veh\u00edculos motorizados. Su prop\u00f3sito es garantizar cobertura econ\u00f3mica frente a da\u00f1os personales en caso de accidentes de tr\u00e1nsito.<\/p>\n<p>El SOAP cubre gastos m\u00e9dicos, hospitalarios, quir\u00fargicos, farmac\u00e9uticos, dentales y de rehabilitaci\u00f3n. Adem\u00e1s, ofrece indemnizaci\u00f3n econ\u00f3mica en casos de invalidez o fallecimiento, protegiendo tanto a los afectados como a sus beneficiarios.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00bfQu\u00e9 cubre el SOAP y cu\u00e1les son los montos asegurados?<\/strong><\/p>\n<p>El SOAP est\u00e1 vinculado al veh\u00edculo asegurado, cubriendo a cualquier persona involucrada en un accidente relacionado con ese veh\u00edculo, sin importar qui\u00e9n sea el titular del seguro. Las coberturas principales son:<\/p>\n<ul>\n<li>Muerte: Indemnizaci\u00f3n de 300 UF.<\/li>\n<li>Incapacidad permanente total: Indemnizaci\u00f3n de 300 UF.<\/li>\n<li>Incapacidad permanente parcial: Indemnizaci\u00f3n de hasta 200 UF.<\/li>\n<li>Gastos m\u00e9dicos y hospitalarios: Cobertura de hasta 300 UF.<\/li>\n<\/ul>\n<p>Esta cobertura aplica tanto a conductores como a pasajeros y terceros afectados, brindando seguridad financiera ante eventos imprevistos.<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00bfC\u00f3mo cobrar el SOAP en caso de accidente?<\/strong><\/p>\n<p>En caso de accidente, para hacer efectivo el cobro del SOAP, debes seguir estos pasos:<\/p>\n<ul>\n<li><strong>Realizar una denuncia:<\/strong> Obt\u00e9n el documento emitido por la Fiscal\u00eda, el Juzgado de Garant\u00eda o el Juzgado de Polic\u00eda Local que haya conocido la causa.<\/li>\n<li><strong>Reunir la documentaci\u00f3n m\u00e9dica:<\/strong> Presenta certificados que acrediten las lesiones, invalidez o fallecimiento, emitidos por un centro de salud autorizado.<\/li>\n<li><strong>Adjuntar comprobantes de gastos:<\/strong> Incluye boletas o facturas de gastos m\u00e9dicos realizados, como consultas, tratamientos o medicamentos.<\/li>\n<li><strong>Presentar la documentaci\u00f3n:<\/strong> Lleva todo a la compa\u00f1\u00eda aseguradora donde contrataste el SOAP para que inicie el proceso de indemnizaci\u00f3n.<\/li>\n<\/ul>\n<p><strong>\u00a0<\/strong><\/p>\n<p><strong>\u00bfD\u00f3nde obtener m\u00e1s informaci\u00f3n sobre el SOAP?<\/strong><\/p>\n<p>Si tienes dudas, puedes contactarte con el Servicio de Atenci\u00f3n al Consumidor de ODECU, la Organizaci\u00f3n de Consumidores y Usuarios de Chile.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>El Seguro Obligatorio de Accidentes Personales (SOAP) es fundamental para proteger a las personas involucradas en accidentes de tr\u00e1nsito en Chile. A pesar de ser un requisito legal para los veh\u00edculos, muchos desconocen c\u00f3mo funciona, qu\u00e9 cubre y c\u00f3mo utilizarlo en caso de emergencia. \u00bfC\u00f3mo funciona el SOAP?, \u00bfpara qu\u00e9 sirve? Y \u00bfcu\u00e1l es su [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":8649,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[36,34],"tags":[],"class_list":["post-9037","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-destacados","category-preguntas-frecuentes"],"_links":{"self":[{"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/posts\/9037","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/comments?post=9037"}],"version-history":[{"count":0,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/posts\/9037\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/media\/8649"}],"wp:attachment":[{"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/media?parent=9037"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/categories?post=9037"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/odecu.cl\/ticketera\/wp-json\/wp\/v2\/tags?post=9037"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}