SINPREX
SINPREX provides that in the event of your death the loan balance will be paid in full.
Product summary
Group plan
Credit Insurance SINPREX's group life insurance is an insurance policy that covers the total amount of the loan up to the maximum amount stated in the policy.
In the event of your death, SINPREX policy will pay the agency the balance of your loan.
Benefits
- Without preexisting conditions, you may acquire this valuable protection with the need to answer questions about your health.
- One pay, only one payment will maintain your insurance active for the duration of your loan.
Available endorsements
- Total and permanent physical disability endorsement
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
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
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.
Which are the minimum hours that I could he hospitalized to be covered under Hospipago Policy?
You should stay in the emergency room for at least 24 hours. The minimum length of stay will start to be covered once the hospital orders it.
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.
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.
Is it necessary to pre-certificate the services under School and Special Accidents Policy?
No, is a policy of reimbursement, why which no services are pre-certified.
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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