SINOT
Protecting your employees is the best form to demonstrate the value of their work and their daily compromise.
Product summary
Group plan
Protecting your employees is the best form to demonstrate the value of your employees and their daily compromise.
For this reason, is an obligation of each employee to offer the Inability Non-Temporary Occupational Insurance. According to Law No. 139, SINOT protects your employees from loss of incapacity due to illness or accident not related to work.
Benefits
- Basic Plan: Weekly benefits equal to 65% of weekly salary, up to $113.00 for up to 26 weeks. A death benefit of $4,000 and a benefit for disbursement of up to $4,000. This response is under the Incapacity Non-Temporary Occupational Benefits Act No. 139 of 1968.
- Funeral plan: Weekly benefits equivalent to65% of the weekly salary up to a maximum of $113.00 for a maximum period of 26weeks. Death and disbursement benefit up to $4,000. This response is by the provisions of Law No. 139 of 1968, The Non-Occupational Incapacity Welfare Act. What’s more Funeral Insurance is up to $3,000.
- Max Sinot: Weekly benefits equal to up to 65%of weekly salary, up to a maximum of $165.00, for 30 weeks. The death benefit of $5,000 and the disbursement benefit of up to $5,000. This benefit is $1,000additional to the $4,000 that Law 139 of 1968, stipulates Law of Inability Non-Occupational Benefit. Funeral Insurance, up to $5,000.
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Additional endorsements
- Basic Plan with Funeral Benefit
- Plan MAX Sinot
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
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.
Will the last loan be paid?
Yes, the last loan will be paid if the last loan has more than 12 months.
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.
Which is the period to settle a claim on the school policy or Special Accidents Policy?
The period is 90 days.
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 alternatives exist to protect me in case of a hospitalization?
Yes, we have alternatives for accident and health insurance in case of hospitalization.
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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