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An insurer has requested clarification on whether there is an obligation to refund premiums that exceed financial limits in individual long-term care insurance policies. The Directorate General for Insurance and Pension Funds (DGT) has ruled that, by regulatory reference, the regime applicable to pension plans applies, which mandates the withdrawal of any excess amounts.
Cuestión planteada Límite financiero de aportaciones a los seguros privados individuales de dependencia. Si existe obligación de extorno de los excesos de primas percibidas por la entidad por aplicación del límite financiero.
Las primas de seguros de dependencia del artículo 51.5 de la LIRPF deben cumplir los límites de la disposición adicional decimosexta de dicha ley. Al no estar regulados específicamente, estos contratos se rigen por la normativa de los planes de pensiones. Dado que el régimen de los planes de pensiones obliga a la retirada de las cantidades aportadas por encima de los límites, será necesaria la devolución de las primas satisfechas en exceso.
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