{"id":22559,"date":"2025-07-14T16:01:53","date_gmt":"2025-07-14T22:01:53","guid":{"rendered":"https:\/\/journey.app\/blog\/?p=22559"},"modified":"2025-07-22T11:25:21","modified_gmt":"2025-07-22T17:25:21","slug":"que-es-deducible-y-coaseguro","status":"publish","type":"post","link":"https:\/\/journey.app\/blog\/que-es-deducible-y-coaseguro\/","title":{"rendered":"\u00bfQu\u00e9 es deducible y coaseguro?"},"content":{"rendered":"\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><a href=\"https:\/\/journey.app\/?reference=JourneyBlog_Seguros\"><img loading=\"lazy\" width=\"655\" height=\"240\" src=\"https:\/\/journey.app\/blog\/wp-content\/uploads\/2022\/02\/Banner-blog-2022_1.png\" alt=\"\" class=\"wp-image-11002\" srcset=\"https:\/\/journey.app\/blog\/wp-content\/uploads\/2022\/02\/Banner-blog-2022_1.png 655w, https:\/\/journey.app\/blog\/wp-content\/uploads\/2022\/02\/Banner-blog-2022_1-300x110.png 300w\" sizes=\"(max-width: 655px) 100vw, 655px\" \/><\/a><\/figure><\/div>\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Cuando contratas un seguro deportivo, es normal que te surjan dudas como:<br><strong>\u00bfQu\u00e9 es el deducible? \u00bfY el coaseguro? \u00bfCu\u00e1nto tendr\u00eda que pagar si tengo un accidente?<\/strong><br>No te preocupes, \u00a1en Journey Sports te lo explicamos con peras y manzanas \ud83c\udf50\ud83c\udf4e!<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"has-white-color has-text-color has-background\" style=\"background-color:#ff8f1c\">\u00bfQu\u00e9 es el deducible?<\/h2>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>El deducible es <strong>la primera parte del gasto m\u00e9dico<\/strong> que t\u00fa cubres en caso de accidente, antes de que el seguro comience a pagar. Piensa que es como tu &#8220;cover&#8221; o &#8220;boleto de entrada&#8221; para poder utilizar tu seguro deportivo.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>El deducible var\u00eda dependiendo de tu deporte. Entre m\u00e1s <a href=\"https:\/\/journey.app\/blog\/como-agrupamos-el-riesgo-de-cada-deporte\/\">riesgoso sea tu deporte<\/a>, <strong>m\u00e1s alto ser\u00e1 el deducible<\/strong>. A continuaci\u00f3n te compartimos los rangos de deducibles que aplican en el seguro deportivo de Journey Sports: <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul><li>&#8211; <strong>Seguros por evento o mensual:<\/strong> los deducibles van de <strong>$1,000 a $3,000 MXN<\/strong>.<\/li><li>&#8211; <strong>Seguros anuales:<\/strong> los deducibles van de <strong>$750 a $3,000 MXN<\/strong>.<\/li><\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Si practicas varios deportes, solo se toma en cuenta el de <strong><a href=\"https:\/\/journey.app\/blog\/como-agrupamos-el-riesgo-de-cada-deporte\/\">mayor riesgo<\/a><\/strong> para calcular tu deducible.<\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"has-white-color has-text-color has-background\" style=\"background-color:#ff8f1c\">\u00bfQu\u00e9 es el coaseguro?<\/h2>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>El coaseguro es el <strong>porcentaje del gasto m\u00e9dico restante<\/strong> que t\u00fa pagas y el resto lo cubre el seguro. Imag\u00ednate que es una &#8220;peque\u00f1a cooperaci\u00f3n&#8221; que t\u00fa cubres del total del gasto m\u00e9dico. L\u00f3gicamente, el seguro cubrir\u00e1 la mayor parte, t\u00fa solo pagar\u00e1s un porcentaje menor. Recuerda que este porcentaje est\u00e1 topado, lo que significa que nunca rebasar\u00e1 de la cantidad se\u00f1alada. <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>El coaseguro tambi\u00e9n va en funci\u00f3n del <a href=\"https:\/\/journey.app\/blog\/como-agrupamos-el-riesgo-de-cada-deporte\/\">nivel de riesgo de tu deporte<\/a>. Eso quiere decir que entre m\u00e1s riesgoso sea tu deporte, m\u00e1s tendr\u00e1s que pagar de coaseguro. A continuaci\u00f3n te compartimos los rangos de coaseguros que aplican en el seguro deportivo de Journey Sports: <\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ul><li><strong>&#8211; Porcentaje de coaseguro<\/strong>: en Journey Sports va del<strong> 5% al 20%<\/strong>.<\/li><li><strong>&#8211; Tope de coaseguro:<\/strong> va de los <strong>$5,000 a $20,000 MXN<\/strong>.<\/li><\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Lo anterior significa que en ning\u00fan caso tendr\u00e1s que pagar m\u00e1s de $20,000 MXN de coaseguro, ni siquiera en el deporte m\u00e1s riesgoso. <\/p>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>En resumen:<\/p>\n\n\n\n\n<table id=\"tablepress-17\" class=\"tablepress tablepress-id-17\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Concepto<\/th><th class=\"column-2\">\u00bfQu\u00e9 significa?<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\"><\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Deducible<\/td><td class=\"column-2\">Lo primero que t\u00fa pagas antes de que el seguro entre.<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Coaseguro<\/td><td class=\"column-2\">Un porcentaje del resto de los gastos que t\u00fa pagas.<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">Tope de coaseguro<\/td><td class=\"column-2\">L\u00edmite m\u00e1ximo de dinero que pagas por coaseguro.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<!-- #tablepress-17 from cache -->\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"has-white-color has-text-color has-background\" style=\"background-color:#ff8f1c\">Ejemplo: fractura de pierna en gimnasia art\u00edstica<\/h2>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Supongamos que te lesionas en una competencia de gimnasia art\u00edstica y te diagnostican una <strong>fractura de tibia o peron\u00e9<\/strong>. En M\u00e9xico, un procedimiento quir\u00fargico sencillo puede costar aproximadamente <strong>$50,000 MXN<\/strong> (paquete completo con cirug\u00eda, hospitalizaci\u00f3n y terapia).<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Y tu seguro es:<\/p>\n\n\n\n<ul><li>&#8211; <strong>Anual<\/strong> para gimnasia art\u00edstica<\/li><li>&#8211; <strong>Deducible:<\/strong> $1,000 MXN<\/li><li>&#8211; <strong>Coaseguro:<\/strong> 10%<\/li><li>&#8211; <strong>Tope de coaseguro:<\/strong> $7,500 MXN<\/li><\/ul>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h4>Entonces&#8230;<\/h4>\n\n\n\n<ol><li><strong>Gasto total<\/strong>: $50,000 MXN<\/li><li><strong>T\u00fa pagas el deducible<\/strong>: $1,000 MXN<br>\u2192 Quedan $49,000 MXN<\/li><li><strong>Aplicamos coaseguro (10%)<\/strong>: t\u00fa pagas $4,900 MXN<br>\u2192 El resto ($44,100 MXN) lo cubre el seguro<\/li><li><strong>\u00bfLlegas al tope de coaseguro?<\/strong><ul><li>Tu porcentaje te hizo pagar $4,900 MXN, que est\u00e1 <strong>por debajo<\/strong> del tope de $7,500 MXN<\/li><li>Eso significa que si tu lesi\u00f3n fuera m\u00e1s cara, bajo ninguna circunstancia pagar\u00edas m\u00e1s de $7,500 MXN de coaseguro, por eso es el tope.<\/li><\/ul><\/li><\/ol>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>\u00bfCu\u00e1nto pagas t\u00fa en total<\/h3>\n\n\n\n<ul><li>&#8211; <strong>Deducible:<\/strong> $1,000 MXN<\/li><li>&#8211; <strong>Coaseguro:<\/strong> $4,900 MXN<\/li><li>&#8211; <strong>Total de tu bolsillo:<\/strong> <strong>$5,900 MXN<\/strong><\/li><\/ul>\n\n\n\n<p>El seguro cubre los <strong>$44,100 MXN<\/strong> restantes.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>En resumen:<\/h3>\n\n\n\n<p>Con una fractura de pierna que cuesta $50,000 MXN, con tu cobertura anual: <\/p>\n\n\n\n<ul><li>&#8211; Pagar\u00edas <strong>$1,000 MXN<\/strong> (deducible) + <strong>$4,900 MXN<\/strong> (coaseguro) = <strong>$5,900 MXN<\/strong> en total.<\/li><li>&#8211; El seguro se hace cargo de los <strong>$44,100 MXN<\/strong> restantes, sin llegar al tope.<\/li><\/ul>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"has-white-color has-text-color has-background\" style=\"background-color:#ff8f1c\">\u00bfPor qu\u00e9 existen el deducible y el coaseguro?<\/h2>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Porque as\u00ed el seguro funciona de forma justa para todos. Estas herramientas ayudan a <strong>mantener las primas o precios accesibles<\/strong> y a que el seguro se use<strong> solo cuando realmente se necesita<\/strong>. Adem\u00e1s, evitan abusos y permiten que podamos proteger a m\u00e1s deportistas.<\/p>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"has-white-color has-text-color has-background\" style=\"background-color:#ff8f1c\">\u00bfY c\u00f3mo s\u00e9 cu\u00e1nto me tocar\u00eda pagar?<\/h2>\n\n\n\n<div style=\"height:15px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Cuando cotizas en nuestra p\u00e1gina o hablas con un asesor, te diremos <strong>exactamente cu\u00e1nto es tu deducible y coaseguro<\/strong>, dependiendo de tu deporte y la temporalidad que escojas. Adem\u00e1s, una vez que compres tu seguro, es un dato que viene expl\u00edcitamente en tu certificado PDF, as\u00ed que lo tendr\u00e1s por escrito.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>Si a\u00fan tienes dudas, escr\u00edbenos. \u00a1Estamos para ayudarte! \ud83d\udcac<\/p>\n\n\n\n<ul><li>&#8211; <a href=\"https:\/\/api.whatsapp.com\/send?phone=5219982903955\"><strong>Whatsapp: 998 290 3955<\/strong><\/a><\/li><li>&#8211; <strong><a href=\"https:\/\/m.me\/journeysportsmx\">Facebook Messenger<\/a><\/strong><\/li><\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p>S\u00edguenos en las redes sociales: <strong>@journeysportsmx<\/strong><\/p>\n\n\n\n<ul class=\"wp-container-1 wp-block-social-links aligncenter has-icon-color has-icon-background-color\"><li style=\"color: #ffffff; background-color: #ff8f1c; \" class=\"wp-social-link wp-social-link-facebook wp-block-social-link\"><a href=\"https:\/\/www.facebook.com\/journeysportsmx\"  class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M12 2C6.5 2 2 6.5 2 12c0 5 3.7 9.1 8.4 9.9v-7H7.9V12h2.5V9.8c0-2.5 1.5-3.9 3.8-3.9 1.1 0 2.2.2 2.2.2v2.5h-1.3c-1.2 0-1.6.8-1.6 1.6V12h2.8l-.4 2.9h-2.3v7C18.3 21.1 22 17 22 12c0-5.5-4.5-10-10-10z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">Facebook<\/span><\/a><\/li>\n\n<li style=\"color: #ffffff; 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El deducible es la primera parte del gasto m\u00e9dico que t\u00fa cubres [&hellip;]<\/p>\n","protected":false},"author":76,"featured_media":14715,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1203,355],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.7.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>\u00bfQu\u00e9 es deducible y coaseguro? - Journey Sports<\/title>\n<meta name=\"description\" content=\"El deducible y coaseguro son dos t\u00e9rminos muy usados en el mundo de los seguros, pero \u00bfqu\u00e9 son? 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