What documentation do I have to submit to collect my life insurance benefit if I suffer any of the contingencies covered by the policy?
Life insurance offers complementary coverage to death from any cause. These coverages can be disability due to illness, disability due to accident and serious illness. If you have contracted these coverages and suffer any of these contingencies, it will be necessary to present a series of documents that prove the situation in order to collect the benefit.
In case of disability due to illness, the documentation that must be presented to collect the life insurance benefit is the following:
- Resolution of the Social Security on the disability granted with date of economic effects
- Report of the Social Security Disability Assessment Medical Unit (UMM)
- Medical report with the cause of disability of the insured with the date of diagnosis of the disease caused
- Copy of the medical record issued by your Primary Care doctor, with the medical history and date of diagnosis, including a summary of all the insured’s conditions, specifying the description and date of diagnosis of each suffering
- History of sick leave caused by them (must be requested at the Ministry of Equality, Health and Social Policies)
- Photocopy of the insured’s valid ID
- Payment account number of the insured benefit
In case of disability due to accident, it will be necessary to present the following documents:
- Resolution of the Social Security on the disability granted with date of economic effects
- Report of the Social Security Disability Assessment Medical Unit (UMM)
- Judicial and/or police proceedings with autopsy and toxicology report
- History of sick leave caused by them (must be requested at the Ministry of Equality, Health and Social Policies)
- Photocopy of the insured’s valid ID
- Payment account number of the insured benefit
In case of serious illness, the following documentation must be presented:
- Medical report with the date of diagnosis of the serious illness, severity, stage in which it is located and results of the pathological abnormality, if it has been carried out
- Photocopy of the insured’s valid ID
- Payment account number of the insured benefit
At PuntoSeguro we not only process your life policy, but we help you in any future process you may need. We also advise you when taking out your policies and we inform you of the best rates to renew your insurance with the necessary advance notice.
In PuntoSeguro’s group life insurance comparator for companies you can compare the prices and conditions of the best life policies on the market. And just by taking out a life policy at PuntoSeguro you will participate in the #RetoPuntoSeguro, an exclusive challenge that we propose to company employees so that they are rewarded when they exercise. Through the PuntoSeguro Fit App the physical activity of each user is rewarded through individual and collective challenges. The person in charge of the company will have access to a control panel of the collective policy in which he can digitally manage any modification, as well as access the data of the workers’ exercise, ranking and chat. Life at work improves for the better with PuntoSeguro Fit.
