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

• Death due to any reason
• Total and permanent disability
• Funeral expenses
• Terminal illness

• When the condition or injury which causes 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 required medical proofs, the Institute´s responsibility is limited up to the face amount which does not require the presentation of such proofs.
• When he/she has not been reported by the Insurance´s taker to be included in the policy.
• When there is no presentation of the required documents to proceed with the claim.
• Commitment or attempting  of committing from the Insured, of assault, murder, crime, infraction or any other violation or at attempting of violation to the law or resistance to be arrested.
• War -declared or not- armed hostilities, civil war, invasion, revolution, rebellion, insurrection, any war action, guerilla, terrorism, and all similar situations to the previously described, and the actions led to avoid or contain them.

FOR DEATH:

• The Insured´s beneficiary of 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 coverage offered by the life insurance, because of debtor´s death, which he/she had.
• Official death certificate issued by the Registro Civil, where there is specification of the death´s cause, with the corresponding leaf, sheet number and entry.
• Photocopy by both sides of the death person.
• Summary trial issued by the O.I.J. (in case of accidental death) which contains description of the facts and the forensic laboratory proofs about alcohol (OH) or toxics in blood.
• The beneficiary must indicate in a written way, the medical centers where the Insured was attended.
• The beneficiary must sign the authorization form to review the clinical documents where the Insured was attended.
• Photocopy by both sides of the beneficiary(ies) and/or family member which presents the claim.

FOR TOTAL AND PERMANENT DISABILITY:

• The Insured, must present himself/herself to the Centro de Negocios de la Mutual, to notify.
• To hand a letter, asking for the granting coverage offered by the life insurance, due to disability.
• Photocopy by both sides of the Insured´s identification card.
• Official declaration of permanent disability issued by an official medical entity well authorized for such effect, which indicates that the disability is granted NOT SUBJECT TO REVIEW, the diagnosis and the exact date the disability began.
• Disability declaration from the Magisterio.
• Disability declaration from the Poder Judicial (only for the Poder´s employees)
• The Insured must indicate in a written way the medical centers where he was attended.
• The Insured must sign the authorization form to review the clinical documents of the medical centers where he was attended.
• In case the CCSS does not offer the disability pension, he/she must ask for a document which explains the reason. And a “medical certification” which determines the loss of a 67% or more or his/her organic or functional capacity which does not permit him/her to work.
• Proof of the working status of such injured Insureds at the moment the accident happened: copy of the rent annual tax 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 funeral expenses benefit, related to the life insurance the Insured had related to the credit with the Mutual.
• Photocopy by both sides of the Insured´s identification card.
• Death certification issued by the competent authority.

FOR TERMINAL ILLNESS:

• 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 terminal illness benefit, related to the life insurance that the Insured had related to the credit with the Mutual.
• Certification of the treating doctor with indication of the terminal illness diagnosis, the Insured´s life evolution and expectation, as well as copies of all the exams done which could verified the terminal  sickness diagnosis.
• Photocopy by both sides of the Insured´s identification card.
• The insured must indicate in a written way the medical centers where he was attended.
• The Insured must sign the authorization form to review the documents at the medical centers where he was attended.
• Epicrisis of the sickness evolution.
• The beneficiary must sign the authorization form to review the clinical documents where the Insured has been attended.