Ensure the integrity of your company’s workforce!
It covers the expenses of medical consultations, tests, treatments, medicines, emergency services and others for risks due to illness or accident.
Insurance product specially designed for the protection of your home and the assets it contains against Fire, Theft, Earthquake, Civil Liability against third parties and Medical Expenses, among others.
They cover the necessary expenses for cancer treatment, whether with hospitalization and/or on an outpatient basis with the security of receiving care in the best clinics and with the best team of professionals, nationally and internationally.
Protect yourself and your trip against any eventuality or unforeseen event that may occur anywhere in the world, offering you immediate attention 24 hours a day, 365 days a year.
Treat yourself in a pool of clinics of your choice through medical plans specially designed for you and your family.
Protect the insurance of those you love the most even when you are no longer covering unforeseen situations that can be mitigated such as debts, plans, studies, trips, among others.
Take advantage of the benefits
Receive financial support for unexpected expenses due to events that could affect the financial stability of a person or family.
It allows protecting the health of people and their families, as well as their personal assets.
Reduces fear, frustration, stress or anxiety associated with the uncertainty of future events.
Choose from the main insurers
Find out in detail
The APESEC (Peruvian Association of Insurance Companies) is a system for the protection of man and his assets against various events that threaten his integrity, his life, his interest and his property. The Insurance guarantees the compensation of capital to repair or cover the loss or damage that appears at any time, receiving as consideration an advance price for the protection service it offers.
And basically fulfills the following functions:
The Insurance guarantees the compensation of a capital to repair or cover the loss or damage that may occur at any time both to the man and to his assets.
Compensation is the amount of money disbursed by the insurance company in favor of the insured, when an event occurs that may damage the insured person or his assets.
The insurer can comply with the obligation to indemnify in various ways:
Paying in cash the assessed amount of the damages.
Repairing or replacing the damaged item at your expense.
Providing services: health insurance, treatment in hospitals.
Financial Function: It fulfills this function to the extent that it efficiently manages the money it receives in the form of premiums until the moment in which the payment has to be made.
The Insurance Broker is an Anglo-Saxon terminology to refer to a broker or
intermediary whose function is to advise the client on everything related to insurance, put the insured (client) in contact with the insurer (insurance company) and carry out an insurance contract. With extensive technical, commercial and risk management knowledge, whose. Duties and Obligations are detailed in Art. No. 14 of Resolution SBS 809 – 2019 (SBS Superintendence of Banking and Insurance).
The service fees of an insurance broker or brokers are paid by the Insurance Company, which assumes the commission to the broker for each compensation provided or each client, said to be considered within the premiums, according to Law. The service it doesn’t cost the customer anything, instead it saves them time and gives them peace of mind when taking out insurance.
The insurance company is the one that provides financial coverage to insured clients in the event of a contingency. According to the APESEG, it is the legal entity that professionally assumes the risk by receiving a price called a premium. Its activity consists of assuming and managing external risks, directly through insurance contracts, or indirectly, as occurs in accepted reinsurance.
It must be a legal person, that is, an entity or company, not a natural person.
Authorized by the Superintendence of Banking and Insurance to operate in the national territory.
In the case of contracting a foreign company, domiciled in another country, there is no impediment to contracting these services. However, it is necessary to keep in mind that in the case of defending your rights as an insured, you cannot resort to the Superintendency.
Historically, insurance is divided into two types: Patrimonial insurance and personal insurance.
Patrimonial or Damage Insurance
They refer to the coverage of things or goods such as Fire, Theft; Hulls, Maritime Transport. This group is characterized by having an insured sum limit up to its real value. These damage insurances are strictly indemnity, being necessary for its validity that at the time of contracting there is an insurable interest.
It includes the different modalities of insurance on life and others linked to the human person, such as illness, medical assistance, personal accidents, disability, among others. They are characterized by being contracted for variable and practically unlimited sums insured.
Do you have doubts?
Call us at (01) 711 6393, write to firstname.lastname@example.org or our whatsapp 922 174 388 and we will contact you.