As you continue to receive income in the event of unemployment or sickness

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In times of social and economic crisis more and more people are concerned about your future and your job security and stability in their lives.

Families are increasingly levered and begins to leave less and less money to meet the monthly payments.

Imagine what it is to lose your job or become disabled temporarily due to illness.

What happens to your finances?

Ceases to receive their pay, unemployment benefits or sickness is insufficient to pay debts.

How can work around this problem?

Through the income protection insurance that is complementary to the unemployment and sickness.

Along with health insurance and life is the most important thing to subscribe.

The income protection insurance provides protection wherever you are 24 hours (at work, at leisure or at home) and enjoys a temporary income or gain new job or being able to work after a long illness. The maximum award is 12 months of income.

Dependent and independent workers can purchase this product.

What are the toppings?

Temporary Total Disability provided it has not been hospitalized or operated (major surgery) in the last 10 years or been incapacitated for more than 30 days in the last 5 years before the date of commencement of insurance

Involuntary Unemployment only for salaried workers, provided you have an employment contract for at least 12 continuous months before the start date of insurance and weekly schedule of at least 30 hours.

Death by Accident

Total and Permanent Disability by Accident

What are capital guaranteed?

There may be several options, but the value of the monthly payment may not exceed 70% of net monthly remuneration

How long?

6 or 12 months

Franchises and grace periods?

From the start date of insurance, the coverage of Involuntary Unemployment and Temporary Total Disability have a grace period of 90 days. In other words, do not expect to be unemployed this insurance contract.

The other covers do not have a grace period

From the moment that triggers insurance due to unemployment or disability, there is an excess of 60 and 30 days respectively. That is starting to get a monthly allowance from the 3rd month of unemployment or from the 2nd month of temporary disability

Think about it: “Protect my income is to continue to win, even when I can not work.”

This is the idea behind this insurance indispensable these days.