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Funeral Expenses Insurance “Memories”

What does this insurance consist of?

This is an auto expediting insurance policy that provides funeral services in case of an accidental or non-accidental death, it is done through a network of providers. The services provided by this insurance range from the preparation of the body, wooden or coffin, niche, in a leased plot of cremation services, to religious music, floral arrangements services according to the plan chosen.

Features:

Insurability Requirements: All Costa Rican Citizens or those that have legal granted residency in Costa Rica who do not suffer or have suffered: AIDS, cancer, irreversible kidney function damage, or multiple sclerosis.

Insured Dependent: A person who , as a member of the Insured Family Group Holder, limited to the mother, father, spouse or partner, child(ren), stepson(s), grandchildren, brother(s), uncle(s), nephew(s), daughter(s) in law(s) ,son(s) in law, stepfather, stepmother, financially dependent on the insured person who reside permanently in the Republic of Costa Rica, and that are covered by this Policy and registered as such in the Certificate of Coverage.

Policyholder 's children must be at least one (1) year and other dependents over eighteen (18) years; except for the mother, the father, (a) spouse or cohabitant, all other dependents insured must be economically dependent on the insured person, reside permanently in the Republic of Costa Rica , and registered as such in the Certificate of Coverage.

Currency:

Colones

Coverage:

  • Coverage of Funeral Services: If the Policyholder or one of the Insured Dependent dies by natural or accidental causes, the Company will provide the funeral agreed and detailed in the Certificate of Coverage, which will be provided, except the Repatriation Service, within the territory of the Republic of Costa Rica through the Provider Network Funeral Service authorized by the Insurer.
  • Coverage for Sudden Helplessness: If the Policyholder dies of natural or accidental causes and has at least one child under fifteen (15) years financially dependent on him and dependent Insured under this Policy, the Company will deliver to the tutor or minor’s representative less than fifteen (15) years, the monthly amount of sudden helplessness stipulated under the Plan chosen by the policyholder, for a period of twelve (12) consecutive months.

Insurance Type:

Annual Renewable Automatically.

Claim Presentation:

The Policyholder or their relatives should telephone contact the Administrator of the Network of Funeral Services Phone 4101-0040 that is written on the Certificate of Coverage, or e-mail to addresses reclamos@adisa.cr or  mgonzalez@memorialinternational.com

Advantages:

The policy has a 2 months grace period, no risk selection, quick issuing, no additional requirements, charge to your credit or debit card.

How do I buy this insurance?

This insurance is sold exclusively through Contact Center, by accepting the product’s conditions in the call you are immediately insured. Later you’ll receive the certificate of coverage by mail. If you want to contact a specific customer, send the data to bcrsegurosautoexpedibles@bancobcr.com, you must indicate your personal data and the product in which you are interested.

Plans:

TABLE OF COVERAGES AND BENEFITS

SILVER

GOLD

DIAMOND

Coverages

PLAN 1

PLAN 2

PLAN 3

Funeral expenses (major force)

¢1.200.000

¢1.300.000

¢1.920.000

 

FUNERAL SERVICES INCLUDED IN EACH PLAN

Body Preparation (Thanatopraxy)

YES

YES

YES

Casket or Coffin

YES

YES

YES

Funeral or Obituary Notices

NO

YES

YES

Legal Proceedings

YES

YES

YES

Flower Arrangements

Three (3)

Four (4)

Six (6)

Viewing Rooms

YES

YES

YES

Cafeteria Service

YES

YES

YES

Grave, Niche or Vault

YES

YES

YES

Cremation Service

YES

YES

YES

Repatriation Service

NO

YES

YES

Bus Service

NO

NO

YES

Religious Music Service

NO

NO

YES

 

SUDDEN HELPLESSNESS of twelve (12) monthly payments each equal in value:

¢100.000

¢130.000

¢160.000

 

Value of the MONTHLY premium for the Policyholder and four (4) Insured dependents, when the main Insured has an age:

Among 18 y 60 years

¢7.200

¢8.300

¢10.400

Among 61 y 74 years:

¢20.650

¢23.100

¢29.750

Older than 75years:

¢56.850

¢61.550

¢87.500

 

Value of the MONTHLY premium for the Policyholder and SIX (6) Insured dependents, when the main Insured has an age:

Among 18 y 60 year:

¢9.900

¢10.600

¢11.900

Among 61 y 74 years:

¢28.500

¢35.600

¢39.700

Older than 75 years:

¢85.350

¢91.000

¢105-130

 

Timeout or waiting period for a natural or disease death of any insured in the Policy.

90 DAYS

90 DAYS

90 DAYS

See General Conditions Here (Spanish)

Banco de Costa Rica is a non-exclusive operator of Aseguradora del Istmo #OA-A07-0065 for Auto Expediting Insurance Policies

This product is registered at the SUGESE under the name of “Seguro Autoexpedible de Gastos Funerarios Memories en Colones” code P19-60-A07-567 del 20-10-2014

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