Requirements
Personal Insurance Requirements
Life Self-Insurance and Group Life Insurance
Natural or Accidental Death
- Claim letter.
- Copy of identification document of insured and/or beneficiaries.
- Death Certificate (stating cause of death).
- Accident summary.
- Copy of last account statement and debt balance as of the date of the event.
- Authorization to review medical records and/or medical histories.
- Any other document required by the Company.
Total and Permanent Disability
- Claim letter.
- Copy of identification document of the insured.
- Certification of total disability issued by the Costa Rican Social Security Fund or a recognized institution.
- Copy of last account statement and debt balance as of the date of the event.
- Authorization to review medical records and/or medical histories.
- Clinical assessment by attending physician.
- Accident Summary.
- Any other document required by the Company.
Terminal Illness Advance
- Claim letter.
- Copy of identification document of the insured.
- Clinical records issued by the Costa Rican Social Security Fund or a recognized institution.
- Authorization to review medical records and/or medical histories.
- Clinical assessment by attending physician.
- Any other document required by the Company.
Medical Expenses
- Claim form signed by treating physician (Original).
- Original invoices for services received in the patient’s name.
- In the case of medicine invoices, the medical prescriptions with the respective indication must be attached.
- In case of invoices for specialized studies, attach medical references.
- Copy of claimant’s identification card.
- In specific cases (severe diagnoses), the clinical history of the treated condition must be attached:
- Epicrisis.
- Medical history (hospitalizations/ surgical procedures).
General Insurance Requirements
Car Insurance
- Accident Report. Liability Acceptance Letter for cases where the Insured has accepted liability.
- Accident Report.
- Liability Acceptance Letter for cases where the Insured has accepted liability.
- Photocopy of documentation identifying the policyholder or insured (identity card of natural person, copy of legal status, copy of identity card of legal representative).
- Accident report or certification issued by the corresponding authority (Judicial Record).
- Photographs of damage.
- Estimates for labor, materials, and/or spare parts required.
- Any other document required by the Company.
Yacht Insurance
- Accident form.
- Accident report or certification issued by the corresponding authority.
- Copy of yacht ownership documents.
- Photographs of damage.
- Proof of salvage costs incurred to mitigate losses.
- Copy of claim letter against third-party responsible for the accident (if required).
- Estimates for labor, materials, and/or spare parts required.
- Invoice of yacht of the same or similar characteristics to the damaged one (Total Loss).
- Technical expert report determining the origin/cause of the damage and its magnitude.
- Any other document required by the Company.
Cargo Insurance
- Accident Form.
- Commercial invoice (purchase of transported product).
- Copy of ocean Bill of Lading, inland Bill of Lading, air waybill.
- Copy of Packing List (indicating gross weight, net weight, individual numbering, and merchandise content).
- Customs Declaration (DUA).
- Copy of note of exceptions, issued by the last carrier or entity responsible for the carriage or custody of the cargo during transit or claim.
- Records of the destruction of damaged merchandise.
- Claim letter against responsible third parties.
- Survey when required.
- Report or certification of loss issued by the corresponding authority (Theft-Accident).
- If necessary, the following evidence will be requested: laboratory analysis, phytosanitary examination, temperature record of the container during transit, weights and dimensions card, and budget or technical evaluations.
- Copy of identification card or legal status of the Legal Representative.
- Any additional document.
Fire Insurance and Allies Lines
- Accident form.
- Photocopy of documentation identifying the policyholder or insured (identification card of natural person, copy of legal status, copy of identification card of legal representative).
- Accident report or certification issued by the corresponding authority.
- Photographs of damage.
- Estimates for required labor and materials.
- Photocopy of the last appraisal of the residence (if required).
- Any other document required by the Company.
All-Risks Insurance
- Accident form.
- Photocopy of documentation identifying the policyholder or insured (identification card of natural person, copy of legal status, copy of identification card of legal representative).
- Accident report or certification issued by the corresponding authority.
- Photographs of damage.
- Copy of lease agreements (if required).
- Income tax returns (if required).
- Estimates of required labor and materials.
- Photocopy of the last appraisal of the residence (if required).
- Any other document required by the Company.
Multi-Risk Insurance, Heavy Machinery Insurance, and Machinery Breakdown Insurance
- Accident form.
- Photocopy of documentation identifying the policyholder or insured (identification card of natural person, copy of legal status, copy of identification card of legal representative).
- Accident report or certification issued by the corresponding authority.
- Photographs of damage.
- Estimates of required labor and materials.
- Invoice of machinery (equipment) equal or of similar characteristics to the damaged equipment (Total Loss).
- Technical expert report that determines the origin/cause of the damage and its magnitude.
- Any other document required by the Company.
Electronic Equipment Insurance
- Accident form.
- Photocopy of documentation identifying the policyholder or insured (identification card of natural person, copy of legal status, copy of identification card of legal representative).
- Complaint filed in Judicial Investigation Department (OIJ) (Theft).
- Photographs of damage.
- Invoice of purchase proving ownership of the equipment.
- Carrying value of electronic equipment.
- Invoice for electronic equipment of the same or similar characteristics to the damaged equipment (Total Loss).
- Technical expert report that determines the origin/cause of the damage and its magnitude.
- Any other document required by the Company.
Credit/Debit Card Insurance
- Accident form.
- Copy of identification card or passport of cardholder.
- Claim letter addressed to the Bank by the cardholder, where he/she rejects the charges reflected in his/her account statement and indicates what happened.
- Statement of unrecognized card transactions.
- Claim management process to the card issuer.
- Copy of claim resolution by the issuer.
- Card blocking management report after detection of fraudulent transactions.
- Complained filed in Judicial Investigation Department (OIJ) (theft).
- Any other document required by the Company.
Civil Liability Insurance
- Accident form.
- Letter of policy use and acceptance of charges by the insured.
- Claim letter from the affected third party.
- Photocopy of documentation identifying the policyholder or insured (identification card of natural person, copy of legal status, copy of identification card of legal representative).
- In case of injuries to third parties, the general information of the injured parties must be indicated in order to coordinate a medical evaluation by the Insurance Company.
- Accident Report, certification, or ruling issued by the corresponding authority.
- Photographs of damage.
- Estimates for required labor and materials.
- Any other document required by the Company.
Mortgage Credit Insurance
- Accident form.
- Photocopy of documentation identifying the policyholder or insured (identification card of natural person, copy of legal status, copy of identification card of legal representative).
- Copy of credit account statements.
- Copy of the property appraisal.
- Registration certificate of the property and/or copy of the public deed that proves the tenancy of the property.
- Copy of foreclosure (executive or extrajudicial process).
- Copy of proof of last payment to the bank.
- Report detailing the insured amount, collateral value, amount of credit granted, installment value, credit term, and date of default.
- Any other document required by the Company.
Theft Insurance and Fidelity Insurance
- Accident form.
- Photocopy of documentation identifying the policyholder or insured (identification card of natural person, copy of legal status, copy of identification card of legal representative).
- Accident report or certification issued by the corresponding authority.
- Criminal complaint including involved parties filed in Judicial Investigation Department (OIJ)
- Report of administrative actions taken in relation to the occurrence.
- Copy of reports of previously performed audits.
- Copy of detailed inventory of stolen goods (if necessary).
- Details and quantification of the loss.
- Invoice of purchase proving possession of stolen items (if necessary).
- Provide personal data of the accused person(s) (full name, ID number, date of entry, position, personnel action, photograph, and any other data that may be useful for identification and/or location).
- Report of security measures used by the insured.
- Any other document required by the Company.
Bond Insurance
- Accident Report.
- Photocopy of documentation identifying the policyholder or insured and the affected third-party (identification card of natural person, copy of legal status, copy of identification card of legal representative).
- Copy of Warranty certificate.
- Copy of the Contract or legal provision to which the Bond Insurance is accessory.
- Statement explaining the reasons for which the Warranty Certificate becomes effective, expressing the claimed amount.
- Any other document required by the Company.
Group Unemployment Insurance
- Accident form.
- Photocopy of documentation identifying the policyholder or insured and the affected third-party (identification card of natural person, copy of legal status, copy of identification card of legal representative).
- Copy of proof of last payment made to the bank (if required).
- Letter of dismissal from last employer, specifying the reasons for the dismissal.
- Copy of employer’s order from Costa Rican Social Security Fund.
- Copy of Indemnity.
- Any other document required by the Company.
