Critical Illness
An economical way to protect you from the stress of serious illness.
Product summary
Individual, couples, father with two children and families plan.
Did you know that the number one cause of death in Puerto Rico and the United States is a disease caused by your heart? Are you prepared to take the financial cost and reach recuperation in the event of any contingencies in this matter?
Do you know that the majority of Medical Plans offer coverage for hospital and medical expenses, they don’t cover expenses such as daily expenses of life, children care, or co-payments. I seem a policy of insurance for critical illness may help to close the financial gap.
Benefits
- Insurance covers 10 critical illnesses to protect in the event of events affecting different organs and body systems.
- A lump sum payment for the life of the insured If he is diagnosed with one of these serious illnesses or undergoes covered surgery, it is always the first diagnosis and surgery.
Contract dispositions
- No medical exam or extension form is required.
- Protection begins on the date the application is signed, as long as the eligibility requirements set out in the policy are met and the application is received by our central office within 10 days of the above date.
- No restrictions are limited to municipalities, governments, and state or federal hospitals. The insured amounts available are $10,000 up to $50,000 in multiples of 10.
Payment methods
These are the payment methods available to purchase your plan.
Frequently asked questions
We leave you some of the most frequently asked questions about our plans
Are the medicines and equipment covered under the School Policy and Special Accidents?
No
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.
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.
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.
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 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
Steps to acquire your insurance
In just three steps, you can get the policy you are looking for.
Initial Consultation
In your initial orientation appointment, the objective is to establish good relations hear youcarefully and make adequate questions to know which you are needs a free consultation.
Evaluation
Depending on your needs, we evaluate the different products beneficial for you.
Presentation
Besides your resume, we will continue to evaluate all information provided to recover your situation and confirm your needs. We propose an action plan that identifies and explains different products and alternatives that meet your needs. If you agree with our recommendations, we help you get the product.
Orientación Inicial
En la cita inicial el objetivo es establecer una buena relación, escucharle detenidamente y hacerle las preguntas adecuadas para saber cuáles son sus necesidades.
Evaluación
Dependiendo sus necesidades, se evaluarán los diferentes productos de mayor beneficio para usted.
Presentación
Además, de resumir la situación, confirmar sus necesidades se procede a evaluar toda la información provista, se presenta un plan de acción en el que se identifican y explican los diferentes productos y alternativas que satisfagan sus necesidades. Si usted está de acuerdo con las recomendaciones, se le ayuda adquirir el producto.
What our clients are saying
Look what are insured have to say about our policies and our services.
I was treated very kindly and promptly.
Very well located and a wide variety of insurance products.
Good service, I won't let them.
Tremendous company. It is by appointment, at the moment, they are very helpful and fast, you do not waste time. Make an appointment by phone and that's it!!! Good service.
Excellent customer service.
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