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 to 65% of the weekly salary up to a maximum of $113.00 for a maximum period of 26 weeks. 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.
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.
What should I do to change the frequencies of payments?
If you wish to change the frequency of payment, you should speak to an authorized representative or a police repair specialist.
What is the cost of a Life Insurance?
The premium is the amount established that you must pay as owner of the policies, and it will depend on what type of insurance and the endorsement you need. For more information, you can get in touch with an Authorized Representative.
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.
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.
Can a person buy a cancer and pernicious illness policy a person that has had a cancer diagnosis?
Yes, they are eligible if they had not received any treatments in the past 10 years, and it doesn’t happen within the first 30 days of the policy and the date of effectiveness.
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.
Excellent customer service.
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.
Good service, I won't let them.
Very well located and a wide variety of insurance products.
I was treated very kindly and promptly.
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