2023-10-18 18:26:47
Learn about this insurance and all the benefits.
The loss of a loved one is not only painful, but in some cases it can be of great concern because there is no burial insurance that can cover the expenses of carrying out the Christian burial of your loved one.
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Let’s remember that currently purchasing insurance can be an “expense” for the family, but if you think about it in the future, it becomes a great investment to insure your children, parents, wife and yourself.
For this reason, Banco de la Nación offers its clients funeral insurance that covers expenses related to funeral services, ensuring a dignified burial and the support of experts in these painful moments.
1) It is important to keep in mind that you must be under 70 years old.
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2) Be a client of Banco de la Nación and be the holder of a MultiRed Debit card.
3) If you passed point 2, then you can request membership of this insurance for yourself and your family members in person at any bank agency.
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This insurance covers funeral expenses and contains 2 plans, whose rates are subject to variation:
Plan 1 (individual): the premium payment is S/ 4.70 and you can include your parents, brothers, uncles, nephews, godchildren or any third party. Keep in mind that the premium payment is for each insured. Plan 2 (family): the premium payment is S/ 18.90 and covers the owner, spouse and up to 3 children under 18 years of age. Learn about this insurance and all the benefits .
1.- Go to the entity
You can go to the Banco de la Nación agency closest to your home, in Metropolitan Lima or in the Provinces, within the established opening hours.
2.- Request insurance
You must present the requested requirements to the bank’s customer service staff and request affiliation for insurance coverage for your card.
3.- Sign the contract
The staff will help you with valuable information on the contractual documents you will need to sign to obtain insurance.
Keep in mind that if you contract Plan 1 (individual) of funeral insurance, you and those who are designated as insured in the “Application – Funeral Insurance Certificate” policy must be accredited and both sign said document. If the person responsible for payment signs in the insured box or leaves it blank, the insurance sale will be invalid.
To make inquiries, claims or claims about the policy, you can call from Monday to Friday at (01) 615 5700.
October salaries are just around the corner: Find out the payment dates in Peru. (Andean) Grace period: 60 days (does not apply to accidental death). Deductible: none. Income limit age: 69 years and 364 days. Permanence limit age: 75 years and 364 days.
Here you have to keep in mind that to receive the compensation funeral in the event of an accident, you have 180 days from the date of occurrence (it is not an expiration period) to give notice of the accident.
According to the official website of the Banco de la Nación, you must take into account these amounts that are part of the coverage provided by this institution.
Funerals: S/ 3,000.00, in case of death the beneficiaries will be compensated according to the policy or successors of the insured, according to law. Mourning: S/ 3,000.00, in case of death and in addition to the funeral coverage, compensation will be to the beneficiaries according to the policy or successors of the insured, according to law.Transfer: S/ 800.00, in case of death does not occur in the city of origin of the insured, the beneficiaries will be compensated according to the policy or successors of the insured, according to law. Educational benefit: S/ 1,200.00 for each child (maximum 3 children), in case of death the children of the insured will be compensated (between 5 and 18 years of age). Accidental death: In the event that the insured person dies within 90 days after an accident, an extra payment will be provided to the beneficiaries designated in the policy or, failing that, to the legal heirs of the insuredSudden family homelessness: S/ 10,000.00 to the beneficiaries of the insured , in accordance with applicable laws, if both the insured and his or her spouse die as a result of the same accident, occurring within a period of 72 hours from the time of the accident.
Like all private insurance, it is important that you take these points into consideration when purchasing this insurance or in any case you want to activate it in the event of the death of your insured.
Accidents that occur when the insured is under the influence of alcohol or drugs or in a state of sleepwalking. Acts that violate current laws or regulations. The practice or performance of any clearly risky activity, profession or trade, as well as the practice of sports that are notoriously risky. dangerous (does not apply to members of the Armed Forces and the National Police of Peru). Pre-existing diseases (cases of hypertension, diabetes and asthma are not considered pre-existing). Congenital diseases or defects manifested at any stage of life.
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