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
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 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.
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.
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.
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.
Which is the period to settle a claim on the school policy or Special Accidents Policy?
The period is 90 days.
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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