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
Does the cancer and pernicious illnesses cover ambulatory medical visits to doctor?
No, it only covers medical visits in hospitals that are not surgeons or oncologists.
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.
What are the methods of payment are available in COSVI?
• Payment methods are: • Direct debit to your checking or saving accounts, VISA, MasterCard, or Discover. • Telepay for Banco Popular de Puerto Rico clients. • By telephone through our system of Call Center Pay use their checking or savings accounts, or credit cards (VISA, MasterCard, or Discover) getting in touch with one of our specialists at the Customer Service Center at 787-751-2828. Thru mail with checks and money order at the following address: Cooperativa de Seguros de Vida de Puerto Rico (COSVI) Attention to: Billing and Collections P.O. Box 71362 San Juan, Puerto Rico 00936-8462
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.
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 alternatives do I have to obtain a life insurance in COSVI without a need to go through a medical exam?
We have some examples available that are generation 40/80 and Cosvi Serena.
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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