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Answer all your questions

See all the questions other people are asking about our products and services.

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Individual Products Frequently Asked Questions

We leave you some of the most frequently asked questions about our plans. You can use the search engine to be more precise.

What are the methods of payment are available in COSVI?

• Payment methods are: • Direct debit to your checking or saving accounts, VISA, MasterCard, or Discover. • Telepay for Banco Popular de Puerto Rico clients. • By telephone through our system of Call Center Pay use their checking or savings accounts, or credit cards (VISA, MasterCard, or Discover) getting in touch with one of our specialists at the Customer Service Center at 787-751-2828. Thru mail with checks and money order at the following address: Cooperativa de Seguros de Vida de Puerto Rico (COSVI) Attention to: Billing and Collections P.O. Box 71362 San Juan, Puerto Rico 00936-8462

What should I do to change my method of payment for my policy?

To realize changes in your methods of payments is necessary to fill out the form bank card, that it should be accompanied with a void check or a certification of the Financial Institute. This permits your policies to be debited directly from your account without any mayor effort on your part.

What are the frequencies payments available?

The frequency of payments available are monthly, quarterly, semestral, or annually. You should verify with an Authorized Representative or with a Customer Service Specialist the availableness of this according to the policy you acquire. You should choose the debit dates, 1, 7, 14, and 21, and the payment frequency: monthly, quarterly, semi-annually, or annually.

What should I do to change the frequencies of payments?

If you wish to change the frequency of payment, you should speak to an authorized representative or a police repair specialist.

What should I do if receive information that my policy is late?

Communicate with your Authorized Representative or Customer Service Specialist to make the payment. Remember, to have your policy member information on your hand to facilitate the identification.

What information is necessary to emit a payment?

All payments should include all this information: Name of insured, policy number and amount of payment.

How can I convert my payment in a recurrent one?

To change your payment to a recurrent one, you should fill out a bank card form, select the day you which realize the order, which are 1, 7, 14 and 21 and the payment frequencies wish as monthly, quarterly, semestral, or annual.

How can I establish an automated pay on my account?

To set up an automatic payment, you should complete a card bank form, which should be accompanied by a voided check or proof from a financial institution.

What should I do to solicitate withdrawals from my IRA account?

All you must do is complete the application to withdraw from My IRA and comply with the delivery of the required documents depending on your circumstances at the time of withdrawal. The formality may be advanced via taxes, but because of the requirements of the Secretary of Treasure and these types of transactions, the original documents are required for the delivery of the disbursement you can advance the process by sending your copies to fax at 787-772-4191.

What is an insurance policy?

Life insurance provides you financial help against possible loss due to death, illness, incapacity, or accident, and this protection is provided through an insurance policy that accumulates financial funds for such situations.

Why is important to have a Life and Health Insurance?

Life insurance may help protect your family in case of an eventuality because it forms part of the necessary financial planning. Offers funds for expenses related to your death serves as a savings instrument for the failure.

To acquire a life or accident insurance does it require a medical exam?

There are no insurance alternatives that guarantee emissions, so you can get insurance without a medical exam. It absorbs savings for future or health problems.

What alternatives do I have to obtain a life insurance in COSVI without a need to go through a medical exam?

We have some examples available that are generation 40/80 and Cosvi Serena.

What is the cost of a Life Insurance?

The premium is the amount established that you must pay as owner of the policies, and it will depend on what type of insurance and the endorsement you need. For more information, you can get in touch with an Authorized Representative.

What is a beneficiary?

Is the person designated to receive the insurance in case of your death.

Who can be the beneficiary of my life insurance?

You can designate as a beneficiary any natural person or any legal person, him or she being a legal beneficiary or not.

What is an endorsement?

An endorsement is an additional coverage that you add to an insurance policy to get specific protection. To find out which endorsements apply to your insurance, you should receive an introduction from a representative.

What is and Health and Accident Insurance?

This refers to their insurance that offers protection for a financial situation such as an illness, accident injuries, or inabilities.

How effective is a cancer insurance?

The insurance is in effect 30 days from the date of the application.

What alternatives exist to protect me in case of a hospitalization?

Yes, we have alternatives for accident and health insurance in case of hospitalization.

Can a person buy a cancer and pernicious illness policy a person that has had a cancer diagnosis?

Yes, they are eligible if they had not received any treatments in the past 10 years, and it doesn’t happen within the first 30 days of the policy and the date of effectiveness.

The treatment in case of a positive cancer diagnosed, can it be out of Puerto Rico?

Yes, our Total Alliance policies offer you coverage of treatment out of Puerto Rico.

Does COSVI Cancer policy include prevention exams?

Yes, we can reimburse preventive exam expenses if the policy is active for two months.

To whom are the benefits paid of the Cancer and Pernicious illnesses?

The benefits of the policy are paid to the primary insured. In his absence will be paid to the owner of the policy, to your beneficiaries, if they were designated, or to your heirs. Funeral benefits will be paid to the person who provides satisfactory evidence that he paid for the funeral, so long as he dies of illness.

Does the cancer and pernicious illnesses cover ambulatory medical visits to doctor?

No, it only covers medical visits in hospitals that are not surgeons or oncologists.

Does the policy of cancer and pernicious illnesses coordinate payments with medical and Medicare plan?

No, cancer and pernicious illness policy are through reimbursement of medical expenses.

The cancer policy only covers the deductible of the medical plan or the total of expenses incurred?

No, the reimbursement will be processed in line with the benefit reclaimed and the limits of the coverage.

What tests are covered under the benefits of preventive exams?

The only ones that are covered are the ones established under the policies; mammograms, PAP tests, exams for the prostate, specific antigen tests, and tests to determine blood occult in your stool.

What are the documents that I must send to claim pain therapy, yoga and psychology services?

You should send an expense receipt showing a breakdown of the benefits paid by the insured. The receipt should contain the address, name, and profession of the person providing the service. In the case of yoga, it should be administered by a certified yoga guru.

Which are the minimum hours that I could he hospitalized to be covered under Hospipago Policy?

You should stay in the emergency room for at least 24 hours. The minimum length of stay will start to be covered once the hospital orders it.

Does the Intensive Care Unit Policy, covers telemetry an immediate unit?

No, is not covered.

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Group Products Frequently Asked Questions

We leave you some of the most frequently asked questions about our plans. You can use the search engine to be more precise.

Which is the period to settle a claim on the school policy or Special Accidents Policy?

The period is 90 days.

Are the nuclear tests covered under the School and the Special Accidents Policy?

No, only covers X-Ray.

Are the medicines and equipment covered under the School Policy and Special Accidents?

No

Is it necessary to pre-certificate the services under School and Special Accidents Policy?

No, is a policy of reimbursement, why which no services are pre-certified.

If I no longer belong to the group with which I acquire my policy, can I continue with my cancer coverage?

No, you should apply for an individual or family cover.

How can I establish my claim?

To submit a claim you must complete the Claim Application and accompany it with the necessary documents according to the insurance policy you have purchased. For more information you can access the Claims section. For your convenience, you can advance these documents by e-mail service.reclamaciones@cosvi.com, via fax to 787-200-2574 or deliver them to any of our offices. An important fact for SINOT cases is that SINOT claim applications require original documents.

What if I want to purchase an additional cover?

You can contact the Life Insurance Cooperative of Puerto Rico, COSVI at 787-751-7373 where an Authorized Representative will guide you on the insurance policies and endorsements that we have available. You can also contact your insurance agent directly.

What should I do if I want to reinstate my cancer policy or other type of Supplemental Insurance?

You just have to fill out the Reinstatement Application and send it in original format, with two payments of the premiums owed by regular mail to: Puerto Rico Life Insurance Cooperative, COSVI Attention Issuance Department PO Box 363428 San Juan, P.R. 00936-3428 You can also deliver it to any of our offices or through your authorized insurance agent.

What should I do to add a beneficiary to my COSVI policy?

To designate a beneficiary, all you have to do is fill out the Request to Add Beneficiaries document and send it in original format by regular mail to: Cooperativa de Seguros de Vida de Puerto Rico, COSVI Attention Issuance Department PO Box 363428 San Juan, P.R. 00936-3428 You can also bring it to any of our offices or send it by email to serviciosalcliente.documentos@cosvi.com.

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Cooperatives Products Frequently Asked Questions

We leave you some of the most frequently asked questions about our plans. You can use the search engine to be more precise.

Does a jointly coverage exists under the Funeral coverage?

Yes, it exists the jointly coverage (contract that cover more than one life).

Do shared requirements to be eligible under Funeral coverage exists?

Yes, the shared requirements do exist to be eligible. The share requirements to become a member vary for each co-op. Because the requirement for shares depends on the establishment of each cooperative.

The IIT policy does it have a waiting period?

Yes, it does have a waiting period. If the claim is denied due to the pre-existence of the personal loan and the member has had a loan before.

Will the last loan be paid?

Yes, the last loan will be paid if the last loan has more than 12 months.

Where can I settle the claim as a member of the Cooperative that acquire an insurance?

You should settle your claim at the Cooperative of Saving and Credit, where you obtain your policy.

Under what type of product, a member can apply for one premium not accrued?

One-time premium payment is not applicable. Premiums o Paid in full for one year, and the insured applies for the cancellation of coverage before termination of coverage.

Who are under the coverage of Directors Insurance?

Only the employees and the Board of Directors. You can also include committee members, advisors, and consultants. The group decides when they are going to cover, but it is a requirement that the Board of Directors is covered to issue the policy.

How much time do I have to settle a claim for death or inability?

You should settle your claim no later than 24 months from the date of your death or incapacity.

How much time do I have to settle a claim for Funeral?

You should settle the claim before 12 months from the date of death.

To whom is emitted the check of premium return check?

Premium refunds that have not been accrued will be issued to the person who paid the premium.

To whom the Funeral benefits are paid and what documents I must give?

The benefits paid to the person who incur expenses and that presents a copy of birth certificate, death certificate and receipts of expenses of the funeral.

When the Cooperative of Savings and Credit does not send a declaration od the heirs or a testament, to who’s name is the check made?

The check comes out under the Cooperatives names.

What should I do if I want to reinstate my life policy?

You just have to fill out the Reinstatement Application and send it in original format, with the payment of all premiums owed by regular mail to: Puerto Rico Life Insurance Cooperative, COSVI Attention Issuance Department PO Box 363428 San Juan, P.R. 00936-3428. You can also deliver it to any of our offices or through your Authorized Insurance Representative.

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What defines our company

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+62
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different insurance plans
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You only have one life, SECURE IT! -
You only have one life, SECURE IT! -

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At COSVI we take care of taking care of your life and that of those who matter most through a personalized plan that adapts to your needs.