SIEX
Available for exempt groups from SINOT
Product summary
Group plan
Available for groups, exempt from SINOT. The same substitute is the loss of salary of the employee because of an inability, due to an illness or accident, which is not related to the job.
For SIEX are eligible, the people that received salaries in a job covered at least during the last eight weeks before the inability or that receive salaries at least $150 during the year according to what will be more beneficial for your employee.
Benefits
- Only a COSVI application is required to approve or modify the policy. If a group completed the forms of SINOT and the Department of Labor refutes the case, for being considered an exempt group; we will issue them under SIEX.
Contract dispositions
- This product is available to groups exempted from the Law 139, such as churches, care centers, and municipalities.
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
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 exist to protect me in case of a hospitalization?
Yes, we have alternatives for accident and health insurance in case of hospitalization.
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.
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.
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.
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.
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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