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Frequently Asked Questions
Does it cover me if the accident occurs outside the country?
It depends on the plan and the territory covered. Some policies offer benefits outside of Puerto Rico/the U.S., while others limit coverage by region. Coverage is validated on a case-by-case basis according to the contract.
Does it cover minor accidents?
It depends on the plan's benefits table. Many policies include common events (for example, sprains, stitches, fractures, or others), provided they meet the contract's definitions and requirements.
Don't let an accident stop your life. Schedule your consultation and get effective and affordable coverage.
Supplemental Financial Support for Accidental Injuries. Accident coverage is a benefit designed to help you manage expenses associated with accidental injuries, with payments established according to the benefits table and contract terms. It can complement your medical plan, providing liquidity for additional expenses during recovery. Schedule an informational consultation (free of charge / no obligation to purchase).
**Educational information. Benefits subject to eligibility, conditions, exclusions, limits, and insurer approval. Payments subject to documentation and claims process.**
Who is it for?
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Professionals with frequent commutes or active jobs (healthcare, sales, services, maintenance, construction, etc.).
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Entrepreneurs or freelancers without employer benefits.
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Families seeking an affordable alternative for unexpected expenses.
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People with active lifestyles (sports, travel, outdoor activities).
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Accident Coverage
How does it works?
If a covered accident occurs, the insured submits a claim with medical evidence and the required documentation. Once approved, the policy pays benefits according to the plan's table, limits, and contract terms. The insured decides how to use the payment received, based on their needs.
Key Benefits
Individual and family options, subject to availability.
It can complement traditional health insurance, as payments are based on a table of benefits (according to the policy).
Benefits for specific injuries (e.g., fractures, burns, sutures, hospitalization due to accident, or others), if covered.
Flexibility to use the money received for additional medical expenses, transportation, care, or everyday expenses during recovery.
Premium and benefit designs that can be adjusted to different budgets, depending on eligibility.
Stages of the Process
Initial assessment: type of work activity, level of exposure and family needs.
Plan selection: review of benefits and limits most relevant to your profile.
Application and issuance: process subject to eligibility and approval by the insurer.
Use and follow-up: guide in the claims process when a covered event occurs.