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ANEXO I HOJA 1/8
ANEXO I COMPLEMENTARIO AL PUNTO 7.
DECLARACION JURADA - IMPEDIMENTOS - ARTICULO 9° LEY N° 20091
DATOS PERSONALES:
Nombre y Apellido Completos:
Nacionalidad:
Años de residencia en el país:
Documentos
de
N°....................................................
Cédula
de
Identidad
.......................................................
Identidad
N°
D.N.I./L.E./L.C./PASAPORTE
...............................Expedida
por
Fecha de nacimiento:
Profesión:
Actividades actuales y/o anteriores en seguros y reaseguros (detallar función o posición,
entidad, e indicar fecha de inicio y conclusión de la actividad o si a la fecha continúa en
ejercicio):
Otras Actividades:
Declaración jurada de bienes donde conste el detalle de activos, pasivos y recursos
correspondientes a los doce (12) meses anteriores a la declaración (renta líquida de
valores mobiliarios, renta líquida de arrendamientos; sueldos indicando empleo, cargo y
antigüedad; honorarios y otras retribuciones, otros ingresos). Detallar:
Estado Civil (en su caso declarar nombre y apellido del cónyuge):
Domicilio particular:
Teléfono:
Domicilio comercial:
Teléfono:
ANEXO I HOJA
2/8
Correo electrónico:
CUIT o CUIL:
DECLARACIONES ESPECIALES:
1. Declaro bajo juramento que no me encuentro comprendido/a por ninguna de las
inhabilidades, incompatibilidades y prohibiciones previstas por las Leyes N° 19550, N°
20091, N° 20321 y N° 20337 (o las que en el futuro las reemplacen o modifiquen).
2. Declaro bajo juramento que no me encuentro impedido/a por haber sido condenado/a
por delitos del derecho penal, excluidos los culposos, con penas privativas de libertad
o inhabilitación o que –en su caso- ha transcurrido otro tiempo igual al doble de la
condena; como también que no me encuentro sometido/a a proceso penal con prisión
preventiva, excluidos los delitos culposos.
3. Declaro bajo juramento que no me encuentro sometido/a a ninguno de los procesos
falenciales regulados por la Ley de Quiebras ni a ninguna de las inhabilitaciones
previstas en ella.
4. Declaro bajo juramento que no revisto la condición de deudor moroso de la entidad,
como también que no he sido miembro de los Organos de Administración y de
Fiscalización, ni Gerente General, ni accionista (con participación superior al 5% del
capital social) de una aseguradora sujeta a liquidación judicial, o que –en su caso- no
he ejercido las posiciones de referencia, en el período que abarca desde los dos (2)
años calendario anteriores a la fecha de la revocatoria de la autorización para operar,
hasta tres (3) años después del día en que dicha revocatoria quedó firme.
5. Declaro bajo juramento que no revisto la condición de miembro de los Organos de
Administración y de Fiscalización, ni Gerente General, ni accionista (con participación
superior al 5% del capital social) de una aseguradora sujeta a liquidación voluntaria, o
que –en su caso- no he ejercido las posiciones de referencia, en el período que
abarca desde los dos (2) años calendarios anteriores a la fecha de la revocatoria de la
autorización para operar, hasta la efectiva y definitiva conclusión de la tramitación de
la liquidación en cuestión.
6. Declaro bajo juramento que no he sido inhabilitado/a por aplicación de las
disposiciones de las Leyes N° 20091 y N° 22400 (o las que en el futuro las
reemplacen o modifiquen).
7. Declaro bajo juramento que gozo de aptitud, idoneidad, capacitación y/o experiencia
adecuadas para el ejercicio de la función de miembro de los Organos de
Administración y Fiscalización, o Gerente General.
8. Declaro bajo juramento que todos los datos consignados se corresponden con la
realidad, manifestando expresamente mi consentimiento a fin de que esa
Superintendencia de Seguros de la Nación recabe ante los Organismos que estime
corresponder, toda la información necesaria y conducente para verificar la
proporcionada por la presente.
Lugar
y
fecha
...................................................
...............................................................
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DATOS DE INSCRIPCION
TIPOS SOCIETARIO:
DOMICILIO DE LA SEDE SOCIAL:
C.U.I.T.:
COMPOSICION DEL CAPITAL:
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S T
INCAPACIDAD PARCIAL
a) CABEZA (%):
Sordera total e incurable de los dos oídos
Pérdida total de un ojo o reducción de la mitad
de la visión vinocular normal
Sordera total e incurable de un oído
Ablación de la mandíbula inferior
b) MIEMBROS SUPERIORES (%):
Pérdida total de un brazo
Pérdida total de una mano
Fractura no consolidada de un brazo
(seudoartrosis total)
Anquilosis del hombro en posición no funcional
Anquilosis del hombro en posición funcional
Anquilosis de codo en posición no funcional
Anquilosis de codo en posición funcional
Anquilosis de la muñeca en posición no funcional
Anquilosis de la muñeca en posición funcional
Pérdida total de pulgar
Pérdida total del índice
Pérdida total del dedo medio
Pérdida total del anular o meñique
c) MIEMBROS INFERIORES (%):
Pérdida total de una pierna
Pérdida total de un pie
Fractura no consolidada de un muslo
(seudoartrosis total)
Fractura no consolidada de una pierna
(seudoartrosis total)
Fractura no consolidada de una rótula
Fractura no consolidada de un pie
(seudoartrosis total)
Anquilosis de la cadera en posición no funcional
Anquilosis de la cadera en posición funcional
Anquilosis de la rodilla en posición no funcional
Anquilosis de la rodilla en posición funcional
Anquilosis del empeine (garganta del pie) en
posición no funcional
Anquilosis del empeine (garganta del pie) en
posición funcional
Acortamiento de un miembro inferior de por lo
menos cinco centímetros
Acortamiento de un miembro inferior de por lo
menos tres centímetros
Pérdida total del dedo gordo del pie
Pérdida total de otro dedo del pie
50
40
15
50
DER.
65
60
45
30
25
25
20
20
15
18
14
9
8
55
40
35
30
30
20
40
20
30
15
15
8
15
8
8
4
IZQ.
52
48
36
24
20
20
16
16
12
14
11
7
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CUADRO DE RESULTADO TECNICO DE OPERACIONES
Denominación de la Aseguradora:
Información al:
Correspondiente al período de ....... meses anteriores al cierre del estado contable
SECCIONES
Incendio
Combinado Familiar
Integral de Comercio
Combinados e Integrales - Otros
Automotores
Transporte Público de Pasajeros
Granizo
Ganado
Riesgos Agr. y Forestales - Otros
R.C. Profesional Médica
R.C. Profesional-Otras Profesiones
Responsabilidad Civil - Otros
Robo y Riesgos Similares
Caución
Crédito
Accidentes a Pasajeros
Aeronavegación
Transportes - Cascos
Transportes - Mercaderías
Técnico
Otros Riesgos Patrimoniales
Accidentes Personales Individual
Accidentes Personales Colectivo
Salud Individual
Salud Colectivo
Vida Individual (2)
Vida Colectivo
Primas
Devengadas
(a)
Siniestros
Devengados
(b)
Gastos de
Producción
(c)
Gastos de
Explotación
(d)
Gast
Reas
(
Sepelio Individual
Sepelio Colectivo
PRESIDENTE
SINDICO/S
ACTUARIO
(1) Se consignarán los importes por seguros directos, reaseguros activos y/o retrocesiones
a) Incluye Reserva Técnia por Insuficiencia de
Primas
b) Incluye rescates, otras indemnizaciones y beneficios
(2) Se excluye seguros de vida cuyos planes prevean la constitución de Reservas Matemáticas
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LIMITE
AGREGADO
ANUAL
(L.A.A.)
Igual a k veces el Límite Máximo
(L.M.), con 0<k<2
Igual o mayor a 2 veces el Límite
Máximo
COSTO COMPUTABLE
(2 – L.A.A. / L.M.)*Prima de reaseguro
No computable para el cálculo de la
retención.
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ANEXO III - Hoja Nº 1/2
Denominación de la Entidad:
Activos de afectación
específica/
Fideicomiso de Garantía
Información al:
(A)
(B)
Activos de afectación específica (presentar sendos formularios para cada tipo de compromisos
afectados)
Fideicomiso de Garantía: indicar denominación del
fiduciario
CONCEPTOS
INVERSIONES: (detallar en Hoja 2)
(a) En el país:
Títulos Públicos de Renta
Acciones
Obligaciones Negociables
Fondos Comunes de Inversión
Fideicomisos Financieros
Depósitos a Plazo Fijo
Otras Inversiones de Inmediata Disponibilidad
Préstamos Admitidos
Inmuebles (para Renta o Venta)
(b) En el exterior:
Títulos Públicos de Renta
Acciones
Obligaciones Negociables
Fondos Comunes de Inversión
Fideicomisos Financieros
Depósitos a Plazo Fijo
Otras Inversiones de Inmediata Disponibilidad
TOTAL INVERSIONES ( 1 = a + b )
COMPROMISOS TECNICOS:
Reservas Matemáticas Vida o Retiro Voluntario
Fondo de Fluctuación/Excedentes Vida o Retiro
Voluntario
Reservas Matemáticas de Rentas Vitalicias
Previsionales
IMPORTES
Fondo de Fluctuación/Excedentes de Rentas Vitalicias
Previsionales
Reservas Matemáticas de Rentas PeriódicasRiesgos Trabajo
Fondo de Fluctuación/Excedentes de Rentas Periódicas-Riesgos
Trabajo
Rvas. Matemáticas de Rentas Vitalicas Complementarias-Riesgos
Trabajo
Fondo Fluctuación/Excedentes Rentas Vitalicias ComplementariasRiesgos Trabajo
Otros Compromisos (detallar):
______________________________________________
TOTAL COMPROMISOS ( 2 )
DIFERENCIA ( 1 - 2 )
GARANTIZADA:
Testigo/Técnica
RENTABILIDAD BRUTA:
Acumulada en el trimestre (% .00)
% .00
1er. mes del trimestre (% .00)
% .00
2do. mes del trimestre (% .00)
% .00
3er. mes del trimestre (% .00)
% .00
BANCOS CTA. CTE. - Importes pendientes de asignación:
(a)
RECAUDACIONES A INVERTIR (detalle por cuenta
corriente)
(b)
IMPORTE INVERTIDO 5 DIAS HABILES POSTERIORES
(c)
REMANENTE (c = a- b)
(d)
BENEFICIOS LIQUIDADOS NO COBRADOS POR ASEGURADOS (detalle
por cta.cte)
Banco XX cta. Cte. Nº
(Nota Nº ........)
Banco XX cta. Cte. Nº
(e)
IMPORTE COBRADO SIGUIENTES 10 DIAS HABILES
(f)
REMANENTE (f = d- e)
(Nota Nº ........)
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Circular 4945 del 06/08/2003: Resolución Nº 29323 “Fondo Fiduciario de
Enfermedades Profesionales”. Información a remitir a la Superintendencia de
Riesgos del Trabajo y a esta Superintendencia de Seguros de la Nación. (Dejado sin
efecto por circular Nº 5458 para informaciones correspondientes al 31 de marzo de
2005, inclusive).-
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Noviembre de 2008
Diciembre de 2008
Enero de 2009
Febrero de 2009
Marzo de 2009
Abril de 2009
Mayo de 2009
Junio de 2009
Julio de 2009
Desde Agosto de 2009
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/E D7 8:E87IDAD J HK H&& R
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Balances Cerrados al 31 de Diciembre del XX
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Balances Cerrados al 31 de Marzo del XX
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Balances Cerrados al 30 de Junio del XX
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Luego de ser confeccionado el archivo, las aseguradoras deberán realizar las pruebas de
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archivos en particular.
CODIGOS
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FORMA EN QUE DEBEN SER PUESTOS A DISPOSICION LOS ARCHIVOS EN CASO DE SER
SOLICITADOS POR ESTA SUPERINTENDENCIA DE SEGUROS
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Resolución Nº 29.429 del 22/08/2003: Normas particulares de registración y valuación
para reclamos del ramo Caución no configurados como siniestros. Se reemplaza la
Resolución Nº 29316.
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OFIJ
OFICIOS JUDICIALES
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Mercadería cuyo tratamiento tributario se
halla supeditado a una controversia en
sede judicial, por clasificación
arancelaria, valoración, etc. En
destinaciones de importación o
exportación.
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Diferencia de
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Monto de Demanda Actualizada
hasta
de
Pasivo a Constituir
% sobre demanda
Monto mínimo
$ 20 000
65%
---
$ 20 001
a
$ 100 000
40%
$ 14 000
de $ 100 001
a
$ 250 000
30%
$ 40 000
de $ 250 001
a
$ 700 000
25%
$ 75 000
de $ 700 001
a
$ 1 000 000
20%
$ 175 000
$ 1 000 000
---
$ 250 000
más de
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CONVENCIONES:
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ARCHIVOS INTEGRANTES DEL CONJUNTO INFORMATIVO
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Archivo JUICIOS:
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IMPORTANTE
Por cada juicio incluido en el archivo JUICIOS debe existir al menos un registro
relacionado a él en el archivo de NOVEDADES, donde se indicará, entre otros datos, el
estado procesal del juicio.
Archivo SINIESTROS
5868 ED7 DMN8=D 78J8786>5;7 :D@ @5658@=7D@ L56>C:;AD@ ; C6 NC5>5D
Archivo NOVEDADES
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Archivos: SECCION – MONEDA – FUERO – ABOGADOS
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períodos de
ocurrencia 1
períodos de
desarrollo
siniestros
incurridos
factores
promedio
ponderado
factores de
desarrollo
acumulados
última pérdida
esperada
IBNR
i
j
Xij
fj
Fj
Yi
Zi
1
10
X110
1
F1 = 1
Y1 = X110 x F1
Z1 = Y1 - X110
2
9
X29
f10/9
F2 = f10/9
Y2 = X29 x F2
Z2 = Y2 - X29
3
8
X38
f9/8
F3 = F2 x f9/8
Y3 = X38 x F3
Z3 = Y3 - X38
4
7
X47
f8/7
F4 = F3 x f8/7
Y4 = X47 x F4
Z4 = Y4 - X47
5
6
X56
f7/6
F5 = F4 x f7/6
Y5 = X56 x F5
Z5 = Y5 - X56
6
5
X65
f6/5
F6 = F5 x f6/5
Y6 = X65 x F6
Z6 = Y6 - X65
7
4
X74
f5/4
F7 = F6 x f5/4
Y7 = X74 x F 7
Z7 = Y7 - X74
8
3
X83
f4/3
F8 = F7 x f4/3
Y8 = X83 x F8
Z8 = Y8 - X83
9
2
X92
f3/2
F9 = F8 x f3/2
Y9 = X92 x F9
Z9 = Y9 - X92
10
1
X101
f2/1
F10 = F9 x f2/1
Y10 = X101 x F10
Z10 = Y10 - X101
1
el período de ocurrencia 10 es el más reciente al momento del cálculo, con valores sólo en el primer período de desarrollo.
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Período de
ocurrencia (i)
Período de desarrollo (j)
5
6
X 15
X 16
1
1
X 11
2
X 12
3
X 13
4
X 14
2
X 21
X 22
X 23
X 24
X 25
3
X 31
X 32
X 33
X 34
X 35
7
X 17
8
X 18
9
X 19
X 26
X 27
X 28
X 29
X 36
X 37
X 38
X 47
4
X 41
X 42
X 43
X 44
X 45
X 46
5
X 51
X 52
X 53
X 54
X 55
X 56
6
X 61
X 62
X 63
X 64
X 65
7
X 71
X 72
X 73
X 74
8
X 81
X 82
X 83
9
X 91
X 92
10
X 101
10
X 110
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∆i
Ramos
Coberturas
1
2
3
4
0,25
0,15
0,10
0,05
a) Responsabilidad Civil
Profesional, base ocurrencia
b) Responsabilidad Civil
Profesional, base reclamo
c) Responsabilidad Civil
Coberturas restantes
0,25
0,10
0,05
0,02
d) Automotores
Responsabilidad Civil
0,25
0,10
0,05
0,02
e) Automotores
Casco
0,05
0,02
-
-
0,05
0,02
-
-
según punto 39.6.7.6.2.
f) Otros Ramos
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DESCRIPCIÓN DE ARCHIVOS
ARCHIVO DE SINIESTROS PAGADOS
El orden de los campos es el mostrado en la tabla siguiente y debe ser mantenido sin
ninguna excepción. Los lugares deben conservarse aunque no exista información a incluir
en ese campo para algún registro en particular. (Ver llenado de los campos sin
información “CARACTERISTICAS TECNICAS COMUNES A TODOS LOS ARCHIVOS
SOLICITADOS”, en la descripción que se hace para cada TIPO de campo).
ESTRUCTURA:
CAM
PO
1
2
3
4
5
6
7
8
9
10
C O N C E P T O
CODIGO DE LA ASEGURADORA
SECCION
COBERTURA
NUMERO DE SINIESTRO
NUMERO DE JUICIO
FECHA DE PAGO
REFERENCIA EN REGISTROS
IMPORTE PAGADO HISTORICO
IMPORTE PAGADO CORREGIDO
PARTICIPACIÓN DEL REASEG
TIPO
LONG.
TOTAL
C
C
C
C
C
N
C
N
N
N
4
2
2
15
15
8
15
13
13
13
DECI
MA
LES
TABLA
CODI
GOS
(1)
(2)
2
2
2
ACLARACIONES:
FECHA DE PAGO
Se trata de un campo destinado a almacenar fechas, para lo cual se deberá respetar el
formato que para ese tipo de datos se detalla en “CARACTERISTICAS TECNICAS
COMUNES A TODOS LOS ARCHIVOS SOLICITADOS”.
• REFERENCIA EN REGISTROS
Debe incluirse el número de comprobante o numeración interna de manera tal de poder
identificar unívocamente el comprobante de pago en las cajas egreso o registro contable.
• SECCION/COBERTURA
En el campo SECCION deberá consignarse el código consignado en la tabla 1 para el
ramo al cual corresponde el siniestro. En caso de tener una rama dividida en subramas,
declarará el código de cada subrama. Se entiende por sección la existencia de
numeración diferenciada en pólizas y siniestros. Los códigos son los detallados en la tabla
de códigos (1)
El campo cobertura corresponde a los detallados en la tabla de códigos (2), y corresponde
al agrupamiento que se tendrá en cuenta para el cálculo del pasivo por IBNR.
• NUMERO DE SINIESTRO/JUICIO
Se consignará el número asignado en el registro de denuncias de siniestros (ver
características técnicas comunes), con respecto al Nº de juicio (orden en el Registro de
Actuaciones Judiciales), sólo se completará en caso de haberse iniciado reclamaciones
judiciales o mediaciones.
• IMPORTE PAGADO HISTORICO
Se trata del importe efectivamente erogado y coincide con el soporte documental.
• IMPORTE PAGADO CORREGIDO
El punto 39.6.7.8 prevé que los importes pagados, deben corregirse por efecto de los
intereses explícitos y componentes implícitos.
En este campo debe incluirse el importe ya corregido por lo mencionado precedentemente
o por cualquier otra corrección de importes prevista en la reglamentación vigente.
Los importes son también a valores históricos.
En caso de no haber realizado ninguna corrección se consignará el importe pagado
histórico mencionado en el campo anterior.
• PARTICIPACIÓN DEL REASEGURADOR
El punto 39.6.7.6.3. establece la metodología para determinar la participación del
reasegurador dentro del pasivo por IBNR. Deberá incluirse tanto en contratos
proporcionales como para contratos de exceso de pérdida y excedentes, los importes a
cargo de los reaseguradores por cada pago de siniestros declarado en este archivo en
caso de corresponder.
ARCHIVO DE SINIESTROS PAGADOS: información a incluir
Automotores (todas las coberturas) y Ramo Responsabilidad Civil:
a) Todos los pagos de siniestros realizados (debiendo existir al menos un registro por
cada comprobante de pago) por el período 1/07/YYYY-10 a fecha de balance. Para
balances al 31 de marzo la base de datos debe ser desde 1/07/YYYY-11.
Resto de las Secciones:
b) Todos los pagos de siniestros realizados (debiendo existir al menos un registro por
cada comprobante de pago) por el período 1/07/YYYY-5 a fecha de balance. Para
balances al 31 de marzo la base de datos debe ser desde 1/07/YYYY-6.
Se incluirán todos los pagos de siniestros de los últimos 10 o 5 años (de acuerdo a la
sección), y a pesar de tratarse de balances a Septiembre, Diciembre o Marzo; el
comienzo del período a incluir debe partir del 1º de Julio, de manera tal de poder utilizarse
los archivos para el recálculo de los Factores Acumulados de Desarrollo (por períodos
anuales) así como también para poder aplicarlos (por períodos de 12 meses con cierre en
el período bajo estudio).
Se agregarán inclusive los pagos de siniestros ocurridos con anterioridad a los últimos 10
o 5 años realizados dentro de este período.
Resolución N° 31135: Para 30/06/2006 (7 o 5 años), 30/06/2007 (8 o 5 años),
30/06/2008 (9 o 5 años) y 30/07/2009 y en adelante (10 o 5 años)
CONSISTENCIA:
Luego de ser confeccionado el archivo, deberán realizarse las pruebas de consistencia
que a continuación se detallan:
• La sumatoria mensual, (según fecha de pago – campo 6), por sección de los campos:
CAMPO Nº
8
9
IMPORTE PAGADO HISTORICO
IMPORTE PAGADO CORREGIDO
8 - Los totales mensuales seccionales deben coincidir con los obrantes en los registros
contables obligatorios. Deberá proporcionar los papales de trabajo correspondientes.
9 - Los totales para cada cobertura agrupados por fecha de ocurrencia y pago deben
coincidir con las matrices de siniestros pagados entregada como papel de trabajo (sin
considerar la exclusión de los siniestros excepcionales).
ARCHIVO DE SINIESTROS PENDIENTES
El orden de los campos es el mostrado en la tabla siguiente y debe ser mantenido sin
ninguna excepción. Los lugares deben conservarse aunque no exista información a incluir
en ese campo para algún registro en particular. (Ver llenado de los campos sin
información “CARACTERISTICAS TECNICAS COMUNES A TODOS LOS ARCHIVOS
SOLICITADOS”, en la descripción que se hace para cada TIPO de campo).
ESTRUCTURA
CAM
PO
1
2
3
4
5
6
7
8
9
C O N C E P T O
CODIGO DE LA ASEGURADORA
SECCION
COBERTURA
NUMERO DE SINIESTRO
NUMERO DE JUICIO
FECHA BALANCE
IMPORTE PENDIENTE HISTORICO
IMPORTE PENDIENTE CORREGIDO
PARTICIPACIÓN DEL REASEGURADOR
TIPO LONG.
TOTAL
C
C
C
C
C
N
N
N
N
4
2
2
15
15
8
13
13
13
DECI TABLA
MA
CODI
LES GOS
(1)
(2)
2
2
2
ACLARACIONES:
FECHA DE BALANCE
Se trata de un campo destinado a almacenar fechas, para lo cual se deberá respetar el
formato que para ese tipo de datos se detalla en “CARACTERISTICAS TECNICAS
COMUNES A TODOS LOS ARCHIVOS SOLICITADOS”.
En caso de tratarse un período intermedio, deben incluirse los importes pendientes al
cierre de cada ejercicio y solo al cierre del mismo período intermedio bajo estudio.
(*): En el balance al 31.12.2006, debe incluirse para cada siniestro, el importe pendiente
únicamente al 31.12.2006 (aparte del pasivado al cierre de cada ejercicio anual
30.06.2006, 06.2005, 06.2004, etc.)
• SECCION/COBERTURA
En el campo SECCION deberá consignarse el código consignado en la tabla 1 para el
ramo al cual corresponde el siniestro. En caso de tener una rama dividida en subramas,
declarará el código de cada subrama. Se entiende por sección la existencia de
numeración diferenciada en pólizas y siniestros. Los códigos son los detallados en la tabla
de códigos (1)
El campo cobertura corresponde a los detallados en la tabla de códigos (2), y corresponde
al agrupamiento que se tendrá en cuenta para el cálculo del pasivo por IBNR.
• NUMERO DE SINIESTRO/JUICIO
Se consignará el número asignado en el registro de denuncias de siniestros (ver
características técnicas comunes), con respecto al Nº de juicio (orden en el Registro de
Actuaciones Judiciales), sólo se completará en caso de haberse iniciado reclamaciones
judiciales o mediaciones.
• IMPORTE PENDIENTE HISTORICO
Se trata del importe efectivamente pasivado y coincide con el importe bruto de la
participación del reasegurador correspondiente al inventario de siniestros pendientes del
período correspondiente.
• IMPORTE PENDIENTE CORREGIDO
El punto 39.6.7.8 prevé que los importes pendientes deben corregirse por efecto de los
intereses explícitos y componentes implícitos.
En este campo debe incluirse el importe ya corregido por lo mencionado precedentemente
o por cualquier otra corrección de importes prevista en la reglamentación vigente.
Los importes son también a valores históricos.
En caso de no haber realizado ninguna corrección se consignará el importe pendiente
histórico mencionado en el campo anterior.
• PARTICIPACIÓN DEL REASEGURADOR
El punto 39.6.7.6.3. establece la metodología para determinar la participación del
reasegurador dentro del pasivo por IBNR. Deberá incluirse tanto en contratos
proporcionales como para contratos de exceso de pérdida y excedentes, los importes a
cargo de los reaseguradores por cada pago de siniestros declarado en este archivo en
caso de corresponder.
ARCHIVO DE SINIESTROS PENDIENTES: información a incluir
Automotores (todas las coberturas) y Ramo Responsabilidad Civil
a) El inventario de siniestros pendientes bruto de reaseguros de todas las secciones
(administrativos y judiciales) para los balances cerrados del 30/06/YYYY-9 al
30/06/YYYY (para balances al 31 de marzo del 30/06/YYYY-10 al 30/06/YYYY-1), y por
los balances cerrados en períodos intermedios se incluirá además el inventario de
siniestros pendientes a dicha fecha.
Resto de las Secciones:
b) El inventario de siniestros pendientes bruto de reaseguros de todas las secciones
(administrativos y judiciales) para los balances cerrados del 30/06/YYYY-4 al
30/06/YYYY (para balances al 31 de marzo del 30/06/YYYY-5 al 30/06/YYYY-1), y por
los balances cerrados en períodos intermedios se incluirá además el inventario de
siniestros pendientes a dicha fecha.
0 ' (' $,(
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$
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, (#
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( (#)# ) $
Resolución N° 31135: Para 30/06/2006 (7 o 5 años), 30/06/2007 (8 o 5 años),
30/06/2008 (9 o 5 años) y 30/07/2009 y en adelante (10 o 5 años)
CONSISTENCIA
Luego de ser confeccionado el archivo, deberán realizarse las pruebas de consistencia
que a continuación se detallan:
• La sumatoria mensual, (según fecha de balance – campo 6), por sección de los
campos:
7
8
IMPORTE PENDIENTE HISTORICO
IMPORTE PENDIENTE CORREGIDO
7 - Los totales seccionales agrupado por fecha de balance deben coincidir con los
inventarios respectivos. Deberá proporcionar los papales de trabajo correspondientes.
8 - Los totales para cada cobertura agrupados por fecha de ocurrencia y balance deben
coincidir con la matriz de siniestros pendientes entregada como papel de trabajo (sin
considerar la exclusión de los siniestros excepcionales).
ARCHIVO DE SINIESTROS DENUNCIADOS
El orden de los campos es el mostrado en la tabla siguiente y debe ser mantenido sin
ninguna excepción. Los lugares deben conservarse aunque no exista información a incluir
en ese campo para algún registro en particular. (Ver llenado de los campos sin
información “CARACTERISTICAS TECNICAS COMUNES A TODOS LOS ARCHIVOS
SOLICITADOS”, en la descripción que se hace para cada TIPO de campo).
ESTRUCTURA:
CAM
PO
C O N C E P T O
TIPO
LONG.
TOTAL
1
2
3
4
5
6
CODIGO DE LA ASEGURADORA
SECCION
NUMERO DE SINIESTRO
NUMERO DE POLIZA
FECHA DE OCURRENCIA
FECHA DE DENUNCIA
C
C
C
C
N
N
4
2
15
15
8
8
DECI
MA
LES
TABLA
CODI
GOS
(1)
ACLARACIONES:
FECHA DE OCURRENCIA - FECHA DE DENUNCIA
Se trata de dos campos destinados a almacenar fechas, para lo cual se deberá respetar el
formato que para ese tipo de datos se detalla en “CARACTERISTICAS TECNICAS
COMUNES A TODOS LOS ARCHIVOS SOLICITADOS”.
Debe tenerse en cuenta que la fecha de ocurrencia será la que se aplicará para agrupar
los siniestros pagados y los pendientes para el armado de las matrices.
Para la cobertura de caución se informará como fecha de ocurrencia la fecha en que ha
procedido a registrar el reclamo en el Registro de Denuncia de Siniestros de acuerdo a la
Resolución Nº 29424.
Para la cobertura de Automotores (Responsabilidad Civil) se considerará la fecha de
ocurrencia del evento dañoso.
Para la cobertura de Responsabilidad Civil se considerará la fecha de que la normativa
vigente para las diversas coberturas estime que se ha configurado el siniestro.
ARCHIVO DE SINIESTROS DENUNCIADOS: información a incluir
Automotores (todas las coberturas) y Ramo Responsabilidad
Civil
a) Desde fecha de denuncia ( 1/07/YYYY-10 al BALANCE/YYYY ), Para balances al 31
de marzo la base de datos debe ser desde 1/07/YYYY-11.
Resto de las Secciones:
b) Desde fecha de denuncia ( 1/07/YYYY-5 al BALANCE/YYYY ). Para balances al 31
de marzo la base de datos debe ser desde 1/07/YYYY-6.
Resolución N° 31135: Para 30/06/2006 (7 o 5 años), 30/06/2007 (8 o 5 años),
30/06/2008 (9 o 5 años) y 30/07/2009 y en adelante (10 o 5 años)
CONSISTENCIA
Luego de ser confeccionado el archivo, deberán realizarse las pruebas de consistencia
que a continuación se detallan:
• No deben existir saltos en la correlatividad, excepto que hayan sido salvados en los
registros correspondientes o que tengan numeraciones distintas para cada sucursal.
Como mínimo se deberá proporcionar un registro para cada siniestro declarado en los
archivos de denunciados y pagados.
• Se analizará los primeros siniestros denunciados para cada sección, y en el caso de
existir diversas numeraciones (absorción de carteras o numeración por regiones) los
primeros y últimos siniestros denunciados para cada uno de ellas.
CARACTERISTICAS TECNICAS COMUNES A TODOS LOS ARCHIVOS SOLICITADOS
Código de Grabación “ASCII”
Cada campo debe ser separado del anterior por una coma (,).
Registros de longitud variable. Si por alguna razón resultara más fácil para la
aseguradora generar registros de longitud fija, el archivo será aceptado en la medida
que se tenga en cuenta lo siguiente:
1. La longitud de cada campo no puede exceder la longitud total prevista para el
mismo.
2. Deberán incluirse las comas (,) como delimitadores de los campos.
3. En ningún caso deberá completarse con ceros (0) a la izquierda los campos:
Cada registro debe ser terminado con Retorno de carro y Alimentación de línea al
final, (carácter ASCII DECIMAL 13+10)
El archivo debe ser terminado con fin de archivo (carácter ASCII DECIMAL 26)
ACLARACIONES AL CONTENIDO DE LAS TABLAS DE ESTRUCTURA DE
ARCHIVOS
COLUMNA “TIPO”
N=
Campo Numérico
C=
Campo Alfanumérico
COLUMNA “LONGITUD TOTAL”
Indica la cantidad de caracteres totales y máximos que contiene el campo en cuestión.
COLUMNA “TABLA CODIGOS”
Hace referencia a las tablas que se incluyen en el presente Anexo, que tienen por objeto
informar la codificación que debe ser utilizada en la confección de los archivos, referidas a
secciones y coberturas.
CAMPOS NUMERICOS (Tipo “N”)
Solo se acepta la inclusión de números en ellos.
La separación decimal debe hacerse con punto (.).
Los importes negativos se representarán con un signo menos (-) a la izquierda del
importe.
Los importes positivos no requieren ningún signo.
El punto decimal y el signo forman parte de la longitud total del campo.
Cuando el valor para un campo numérico es cero (0), se incluirá con ese valor.
Ejemplos:
NUMERO
LLENADO DEL CAMPO
1345
,1345,
0
,0,
1345.78
,1345.78,
-128.20
,-128.20,
CAMPOS ALFANUMERICOS (Tipo “C”)
Pueden incluirse tanto letras como números.
Deben encerrarse entre comillas (" ")
En caso de no tener datos, un campo se completará con un espacio entre comillas ("
")
Ejemplos:
DATO
LLENADO DEL CAMPO
1535
,"1535",
Capital
,"Capital",
Campo Vacío
," ",
CAMPOS DESTINADOS A FECHAS
AAAAMMDD
Donde:
DD=
Día
Ej: 01; 12
MM=
Mes
Ej: 03; 11
AAAA =
Año
Ej: 1994; 2005
Ejemplo:
La fecha 31 de Diciembre de 1995 se completará:
,19951231,
IMPORTANTE: los campos destinados a fechas en ningún caso deberán dejarse vacíos.
NUMERO DE POLIZA / NUMERO DE SINIESTRO / NUMERO DE JUICIO
En ningún caso, se incluirán ceros (0) a la izquierda de este número, por tratarse de
un campo de tipo carácter, deberá estar alineado a la izquierda.
Se exceptúa de lo indicado en el punto anterior a las operaciones originales, donde
se consignará como número de endoso “0”.
Tampoco se incluirán como parte de los mismos barras (/) y dígitos de control.
De optarse por campos de longitud fija, se completará con blancos a la derecha.
Caso de entidades que poseen sucursales:
En este supuesto, se identificarán los siniestros correspondientes a cada sucursal
anteponiendo al Nº de siniestro tres dígitos que identificarán a cada una de las
mismas. La numeración comenzará con el número 111 (ciento once).
Ejemplo:
Siniestro 000123
se incluirá en el archivo
,"123",
Siniestro 435/12
Siniestro 01600/1 de una sucursal
Siniestro 128337 de casa matriz
"
"
,"435",
,"1121600",
,"111128337",
Los códigos de sección utilizados que no figuren en la tabla (1) deberán ser informados
por nota con aclaración de la sección correspondiente.
Los códigos de coberturas utilizados que no figuren en la tabla (2) deberán ser
informados por nota con aclaración de la sección correspondiente.
La codificación de secciones y coberturas deberá ser coincidente para los tres archivos
solicitados por el presente Anexo.
Debe respetarse la misma codificación de sección, cobertura, siniestro; en los tres
archivos ya que los mismos constituyen el índice por el cual se los relacionará.
Los distintos reclamos de un mismo siniestro tendrán el mismo número de siniestro.
CONSISTENCIAS
Luego de ser confeccionado el archivo, las aseguradoras deberán realizar las pruebas de
consistencia, teniendo en cuenta lo especificado sobre este asunto para cada uno de los
archivos en particular.
CODIGOS
Deberá suministrar junto con los archivos un detalle de los códigos de sección y
coberturas utilizado, ya sea respetando los aquí enumerados o los que haya informado en
los soportes magnéticos aportados.
Para ello procederá a completar un anexo a la presente con el siguiente detalle:
Aseguradora
:
SECCION
DENOMINACION
TABLA (1) RELATIVOS AL CAMPO "SECCION"
CODIGO
NOMBRE SECCION
01
Incendio
02
Combinado Familiar
03
Automotores
04
Transporte Público de Pasajeros
05
Integral de Comercio
06
Responsabilidad Civil – Mala Praxis
COBERTURA
07
08
09
10
11
12
13
14
15
16
17
18
19
20
21
22
23
Granizo
Responsabilidad Civil
Robo y Riesgos Similares
Caución
Crédito
Accidentes a Pasajeros
Aeronavegación
Técnico
Transportes – Cascos
Transportes – Mercaderías
Otros Riesgos
Accidentes Personales
Salud
Vida Colectivo
Sepelio Individual
Sepelio Colectivo
Integral de Consorcio
TABLA (2) RELATIVOS AL CAMPO "COBERTURA"
CODIGO
NOMBRE SECCION
01
Incendio
02
Combinado Familiar
03
Automotores
04
Automotores – Transporte Público de
Pasajeros
05
Automotores Responsabilidad Civil
06
Responsabilidad Civil – Mala Praxis Médica
07
Granizo
08
Responsabilidad Civil
09
Robo y Riesgos Similares
10
Caución
11
Crédito
12
Accidentes a Pasajeros
13
Aeronavegación
14
Técnico
15
Transportes – Cascos
16
Transportes – Mercaderías
17
Otros Riesgos
18
Accidentes Personales
19
Salud
20
Vida Colectivo
21
Sepelio Individual
22
Sepelio Colectivo
23
Integral de Comercio
24
Integral de Consorcio
)
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1
2
CONCEPTO
Tipo de
Operación
TIPO DE LONG
DATO ITUD
Carácter
1
Tipo de Especie Carácter
2
11
VALORES POSIBLES
C para Compra
AC para Acciones
OP para Opciones
TP para Títulos Públicos
FF para Fideicomisos Financieros
FC para Fondos Comunes de
Inversión
ON para Obligaciones Negociables
Ver Tabla Especies para el Código
SSN del activo
Cantidad en Valores Nominales.
10 Enteros + 6 decimales para FCI
10 Enteros para el resto de
Inversiones
3
Código SSN
Carácter
20
4
Cantidad de
Especies
Numérico
16
Código SSN de
Numérico
Afectación
3
6 Tipo de Valuación Carácter
1
DdMMaa
aa
T para Valor Técnico (sólo para
títulos públicos)
V Valor de Mercado
8
Fecha en la cual se realizó la compra
5
7 Fecha Movimiento
87 ;M:; J8>=;>5D68@
8 Precio de Compra Numérico 6,2
9
Fecha de
Liquidación
OR
DE
N
CONCEPTO
1
2
Tipo de
Operación
DdMMaa
aa
8
9999,99
Fecha de Liquidación de la operación
(contado, 72hs, etc.)
TIPO DE LONG
DATO ITUD
Carácter
1
Tipo de Especie Carácter
2
VALORES POSIBLES
V para Venta
AC para Acciones
OP para Opciones
TP para Títulos Públicos
FF para Fideicomisos Financieros
FC para Fondos Comunes de
Inversión
ON para Obligaciones Negociables
Ver Tabla Especies para el Código
SSN del activo
Cantidad en Valores Nominales.
10 Enteros + 6 decimales para FCI
10 Enteros para el resto de
Inversiones
3
Código SSN
Carácter
20
4
Cantidad de
Especies
Numérico
16
Código SSN de
Numérico
Afectación
3
Ver Tabla Afectaciones
6 Tipo de Valuación Carácter
1
T para Valor Técnico (sólo para
títulos públicos)
V Valor de Mercado
8
Fecha en la cual se realizó la venta
5
7
8
9
10
(
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Movimiento
ddmmaaa
a
ddmmaaa
Fecha pase a VT
a
8
Precio de pase a
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VT
Fecha de
Liquidación
"
@E8>58 75986
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ddmmaaa
a
8
Solo para Títulos Públicos
contabilizados a Valor Técnico
9999,99
Solo para Títulos Públicos
contabilizados a Valor Técnico
Fecha de Liquidación de la
operación (contado, 72hs, etc.)
OR
DE
N
1
CONCEPTO
Tipo de
Operación
TIPO DE LONG
DATO ITUD
VALORES POSIBLES
Carácter
1
2 Tipo de Especie A Carácter
2
3
Código SSN A
Carácter
20
4
Cantidad de
Especies A
Numérico
16
5
Código SSN de
Numérico
Afectación A
3
Ver Tabla Afectaciones
6
Tipo de valuación
Carácter
A
1
T para Valor Técnico (sólo para
títulos públicos)
V Valor de Mercado
7
Fecha de pase a ddmmaaa
VT A
a
8
Sólo para Títulos Públicos
contabilizados a Valor Técnico
8
Precio de pase a
Numérico
VT A
6,2
9 Tipo de Especie B Carácter
2
10
Código SSN B
Carácter
20
11
Cantidad de
Especies B
Numérico
16
Código SSN de
Numérico
Afectación B
Tipo de Valuación
13
Carácter
B
12
J para Canje
AC para Acciones
OP para Opciones
TP para Títulos Públicos
FF para Fideicomisos Financieros
FC para Fondos Comunes de
Inversión
ON para Obligaciones Negociables
Ver Tabla Especies para el Código
SSN del activo
Cantidad en Valores Nominales.
10 Enteros + 6 decimales para FCI
10 Enteros para el resto de
Inversiones
9999,99
Sólo para Títulos Públicos
contabilizados a Valor Técnico
AC para Acciones
OP para Opciones
TP para Títulos Públicos
FF para Fideicomisos Financieros
FC para Fondos Comunes de
Inversión
ON para Obligaciones Negociables
Ver Tabla Especies para el Código
SSN del activo
Cantidad en Valores Nominales.
10 Enteros + 6 decimales para FCI
10 Enteros para el resto de
Inversiones
3
Ver Tabla Afectaciones
1
T para Valor Técnico (sólo para
títulos públicos)
14
15
Fecha de pase VT ddmmaaa
B
a
Precio de pase
VT B
Numérico
Fecha de
Movimiento
Fecha de
Liquidación
ddmmaaa
a
ddmmaaa
a
16
17
8
6,2
8
8
V Valor de Mercado
Solo para Títulos Públicos
contabilizados a Valor Técnico
9999,99
Solo para Títulos Públicos
contabilizados a Valor Técnico
Fecha de realización del canje
Fecha de liquidación de la operación
o
OR
DEN
CONCEPTO
TIPO DE LONG
DATO ITUD
1
Tipo de
Operación
2
Tipo de Especie
Carácter
3
Código SSN
Carácter
Carácter
4
Cantidad Total de
Especies en
Numérico
Stock
5
Cantidad Real de
Especies en
Numérico
Stock
6
Código SSN de
Numérico
Afectación
7 Tipo de Valuación Carácter
VALORES POSIBLES
1
S para Stock
AC para Acciones
OP para Opciones
TP para Títulos Públicos (dentro de
TP se informarán las tenencias de
efectivo en custodia bajo el código
2
Efec + código de moneda)
FF para Fideicomisos Financieros
FC para Fondos Comunes de
Inversión
ON para Obligaciones Negociables
Ver Tabla Especies para el Código
20
SSN del activo
Cantidad en Valores Nominales.
10 Enteros + 6 decimales para FCI
16
10 Enteros para el resto de
Inversiones
(se informa el stock total del período)
Cantidad en Valores Nominales.
10 Enteros + 6 decimales para FCI
10 Enteros para el resto de
16
Inversiones
(se informa el stock total
exceptuando compras y ventas que
estén pendientes de liquidación)
3
Ver Tabla Afectaciones
1
T para Valor Técnico (sólo para
títulos públicos)
V Valor de Mercado
8
Con Cotización
Numérico
9
Libre
Disponibilidad
Numérico
10
Ente Emisor
Pertenece al
Numérico
Grupo Económico
11
Ente Emisor es de
Numérico
ART,RET,AFJP.
Previsión
Numérico
Desvalorización
13 Valor Contable Numérico
Fecha de pase a ddmmaaa
14
VT
a
12
15
16
Precio de pase a
Numérico
VT
En Custodia
Numérico
1 si Cotiza
0 si no Cotiza
1 si es de Libre Disponibilidad
1
0 si NO es de Libre Disponibilidad
1 si el ente emisor de la especie
pertenece al grupo económico
1
0 si el ente emisor de la especie NO
pertenece al grupo económico
1 si el ente emisor es una compañía
de ART,RET,AFJP
1
0 si el ente emisor NO es una
compañía de ART,RET,AFJP
Monto de Previsión Desvalorización
10
de la Especie
10
Valor Contable de la Especie
Solo para Títulos Públicos
8
contabilizados a Valor Técnico
9999,99
6,2
Solo para Títulos Públicos
contabilizados a Valor Técnico
1 1 si esta en Custodia
0 si no esta en Custodia
1
N
)
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OR CONCEPTO
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DE
DATO ITUD
N
1 Código SSN del Tipo Carácter 3 Ver Tabla Tipo de Depósito
11eP
P
de Plazo Fijo
2 BIC
3
CDF
Carácter
12 Ver Tabla Bancos
Carácter
20 Certificado del Depósito a Plazo
Fijo
8 Ddmmaaaa
Fecha de Constitución Numéric
o
Fecha de Vencimiento Numéric
5
o
Código SSN de la
Carácter
6
Moneda Origen
Valor Nominal en
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Moneda Origen
o
7
4
8
Valor Nominal en
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Ente Emisor
10 Pertenece al Grupo
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13
14
15
Código SSN de
Afectación
Tipo de Tasa
Tasa
Numéric
o
Numéric
o
Valor Contable
3
Ver Tabla Moneda
10 Valor Nominal en la Moneda
Original. De ser Pesos
Argentinos, este campo puede
quedar vacío
10 Valor Nominal en Pesos
Argentinos
1 si el ente emisor de la especie
1 pertenece al grupo económico
0 si el ente emisor de la especie
NO pertenece al grupo
económico
Numéric
o
1
Numéric
o
Numéric
o
1
1 si el PF tiene Custodia
0 si el PF NO tiene Custodia
3
Ver Tabla Afectaciones
Carácter
Numéric
o
Código SSN del Titulo Carácter
17 Publico
18
Ddmmaaaa
1 si de Libre Disponibilidad
0 si NO es de Libre Disponibilidad
Numéric
o
16
8
Numéric
o
)
F si es Fija
1 V si es Variable
6 2 Enteros y 3 Decimales
separados por Coma(99,999)
1 si el PF fue concretado con un
1 Titulo de Deuda Publica
0 si el PF NO fue concretado
con un Titulo de Deuda Publica
3 Ver Tabla Títulos Públicos, de
ser 0 el campo anterior este
campo puede quedar vacío
10 Enteros
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ARTICULO 1º - DEFINICIONES
a) Responsable:
Es la Aseguradora de Riesgos del Trabajo (A.R.T.), Compañía de Seguros
prevista en la disposición adicional 4º de la Ley 24.557 o el empleador
autoasegurado al cual se encuentra incorporado el trabajador.
b) Beneficiario:
Trabajador NO afiliado al Régimen de Capitalización que cumple con los
requisitos para obtener la prestación adicional prevista en el inciso 2 del artículo
17° de la Ley 24.557, y que hubiere ejercido la selección de la compañía de
Seguros de Retiro para el cobro de la prestación por Incapacidad Laboral
Permanente Total Definitiva.
ARTICULO 2º - PROCEDIMIENTO
A los efectos de dar cumplimiento al pago de la prestación dineraria por Gran
Invalidez prevista en el inciso 2 del artículo 17° de la Ley 24.557, se establece el
siguiente procedimiento:
1) La Compañía de Seguros de Retiro será la responsable de liquidar en forma
coordinada con la Renta Vitalicia que surja producto de la prestación dineraria
en concepto de Incapacidad Laboral Permanente Total Definitiva, el importe
recibido por la prestación en concepto de Gran Invalidez, sin efectuar deducción
alguna sobre su monto, debiendo discriminarla en el recibo de haberes.
2) El responsable estará obligado a transferir periódicamente los fondos hacia la
Compañía de Seguros de Retiro, antes del tercer día hábil previo a la
finalización del mes que se liquida. Junto con dicha transferencia, deberá
informar lo siguiente:
a) Nombre y apellido del beneficiario.
b) Número de C.U.I.L./C.U.I.T.
c) Cantidad de pagos adelantados en concepto de Gran Invalidez.
d) Período adelantado.(se deberán consignar el/los mes/es y el año)
e) Monto transferido en concepto de Gran Invalidez.
3) La Compañía de Seguros de Retiro pondrá a disposición del beneficiario el
importe de la prestación mensual por Gran Invalidez, dentro del mismo plazo
fijado para el pago de la renta vitalicia por Incapacidad Laboral Permanente
Total Definitiva.
ARTICULO 3º - DOCUMENTACION A SUMINISTRAR AL RESPONSABLE
El responsable tendrá derecho a exigir en cualquier momento constancias de la
supervivencia del beneficiario.
El responsable podrá solicitar los datos personales del beneficiario que resulten
necesarios a fin de verificar la supervivencia a la Compañía de Seguros de Retiro.
ARTICULO 4º - FALLECIMIENTO DEL BENEFICIARIO
En caso de fallecimiento del beneficiario y cuando la Compañía de Seguros de
Retiro cuente con prestaciones no devengadas por Gran Invalidez al momento de
haber tomado conocimiento del deceso, deberá reintegrar al responsable el monto
de dichos pagos, en un plazo que no supere los cinco días hábiles contados desde
la fecha que tomó conocimiento.
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