Hospipago
Is cash to help cover contingencies expenses for hospitalization.
Product summary
Individual or family plan
In life, we encounter situations that affect our lives, one of which is when we are hospitalized for an illness or injury. The costs of specialists, days of hospitalization, and medical expenses could hurt your finances.
At COSVI, we have designed a policy to help you deal with these emergencies through Hospipago, and you can get extra help if you are hospitalized for an accident or illness.
Benefits
- $50 per day, up to $1,500 per month; $75 per day, up to $2,250 per month, and $100 per month, up to $3,000.
- Benefits are paid to the primary insured.
- Insurance coverage is for life and premiums are level for the whole period of coverage.
Insurance cash compensation for hospitalization
- No medical exams or extensive forms are required.
- Protection begins on the date you sign your application, if you meet the eligibility requirements set out in the policy and our central office receives the application within 10 days of the above date.
- We don’t limit our benefits to municipal or government state or federal hospitals.
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
Does a jointly coverage exists under the Funeral coverage?
Yes, it exists the jointly coverage (contract that cover more than one life).
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.
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.
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 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.
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.
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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