https://www.sugese.fi.cr/seccion-polizas-registradas/pólizas-vigentes

• Death due to any cause
• Total and permanent disability
• Funeral expenses
• Terminal sickness

• When the sickness or suffering which causes the death or disability was acquired before his/her inclusion in the policy.
• When he/she does not accomplish with the necessary requirements to be included in the insurance. In case of not presenting the requested medical proofs, the Institute´s responsibility is limited to the amount of insurance which does not require the presentation of such proofs.
• When the Insured has not been reported by the Insurance Taker to be included in the policy.
• When the requested documents are not presented to proceed with the claim.
• Commitment or attempt of committing from the Insured, of assault, murder, crime, infraction or any other violation of attempt of violation to the laws or resistance to be arrested.
• Revolution, rebellion, insurrection, any war action, guerilla.
• Terrorism, and all the similar situations to the before mentioned ones.
• And the target actions to avoid or contain them.

BY DEATH:

• The Insured´s beneficiary or family member, must present himself/herself to the Centro de Negocios de la Mutual, to notify.
• To hand in a letter, asking for the coverage of the life insurance, because of death the debtor had in the credit operation with the Mutual.
• Official death certification written by the Registro Civil, where there is specification of the death certificate reason, with the corresponding leaf, sheet number and entry.
• The death person´s photocopy of identify card by both sides.
• Summary trial written by the O.I.J. (in case of accidental death) which contains the description of the facts and proofs of the forensic laboratory about alcohol (OH) or toxics in blood.
• The beneficiary must indicate (by written) the medical centers where the Insured was attended.
• The beneficiary must sign the authorization form to review the clinical documents where the Insured where attended.
• Photocopy by both sides of the beneficiary(ies) or family member´s identify card who is presenting the claim in the policy.

FOR TOTAL AND PERMANENT DISABILITY:

• The Insured, must present himself/herself to the Centro de Negocios de la Mutual, to notify.
• To hand in a letter, asking for the coverage of the life insurance, due to disability.
• Photocopy by both sides of the Insured´s identify card.
• Official declaration of the permanent disability given by an official medical entity well authorized for such effect, which indicates the disability is given NOT SUBJECT TO REVIEW, the diagnosis and the exact date the disability began.
• Declaration of the disability by the Magisterio
• Declaration disability by the Poder Judicial (only for the Poder´s employees)
• The Insured must indicate in a written way, the medical centers where he has been attended.
• The Insured must sign the authorization form to review the clinical documents of the medical centers where he was attended.
• In cases where the CCSS does not grant the pension by disability, he/she must ask for the document which indicates why he/she does not qualify. And a “Medical Certification” in which it is determined the loss of a 67% or more of his/her organic or functional capacity which does not permit him/her to work.
• Verification of the working status of such injured Insured at the moment the event happened: copy of the rent tax annual declaration. Copy of the service contract or certification issued by the ex-employer.

FOR FUNERAL EXPENSES:

• The Insured´s beneficiary or family member, must present himself/herself to the Centro de Negocios de la Mutual, to notify.
• To hand in a letter, asking for the granting of the policy benefits in  relation to the funeral expenses, according to the life insurance the Insured had related to the credit with the Mutual.
• Photocopy of both sides of the Insured´s identification card.
• Death certificate document issued by the competent authority.

FOR TERMINAL SICKNESS:

• The Insured´s beneficiary of family member, must present himself/herself to the Centro de Negocios de la Mutual, to give notice.
• To hand in a letter, asking for the Terminal Sickness benefit, according to the life insurance the Insured has, related to the credit with the Mutual.
• Certification of the treating doctor where he/she indicates the terminal sickness, the evolution and the Insured´s life expectancy, as well as copies of all the exams done which verified the diagnosis of terminal sickness.
• Photocopy by both sides of the Insured´s identity card.
• The Insured must indicate in a written way, the medical centers where he has been attended.
• The Insured must sign the authorization form to review the documents at the medical centers where he/she as attended.
• Epicrisis with the sickness evolution.
• The beneficiary must sign the authorization form to review the clinical documents where the Insured was attended.