Services
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Funeral expenses
We support the Associate's family in the event of death.
Our associates have a life policy that allows their beneficiaries to have a disbursement for funeral expenses in the event of the associate's death. The amount will be based on the balance of Social Capital registered at the annual closing of the last year.
Requirements to acquire this benefit:
- Keep credit operations up to date.
- The associate must not be in a state of resignation.
Requirements to process the collection of this benefit:
- Original Death Certificate issued by the Civil Registry with a term of no more than 90 days.
- If the death occurs outside of Costa Rica, provide a Death Certificate certified and legalized by the corresponding Consulate translated into Spanish.
- In case of accidental death, you must provide a photocopy of the summary issued by the competent judicial authority.
- Copy of identity card of the deceased.
- Original and copy of the beneficiary's identity card.
- If the beneficiaries are minors: they must provide proof of birth issued by the Civil Registry and a photocopy of the ID of the Legal Representative or whoever exercises parental authority of the minor.
- If any of the beneficiaries died, the original Death Certificate from the Civil Registry must be provided.
If the claimant is a beneficiary of the Law, since the Associate did not have designated beneficiaries, he must additionally submit:
Original birth certificate or marriage certificate (in the case of the spouse) issued by the Civil Registry or other document certifying the relationship.
Sworn Declaration of Free Union, in case they live in free union.
Death of Relatives
We are with you to be able to economically solve this unexpected moment.
In the event of the death of a relative (father, mother, spouse and children) even if they are not associated, an amount will be given to the associate, which will be based on the Social Capital balance recorded at the previous annual closing.
Requirements for this benefit
- Keep credit operations up to date.
- The associate must not be in a state of resignation.
Requirements to process the collection of this benefit:
- Complete the help request form
- Declaration of death issued by the CCSS or death certificate issued by the Civil Registry with a term of issuance of no more than 90 days.
- Copy of identity card of the deceased.
- Original and copy of the beneficiary's identity card.
- Original birth certificate or marriage certificate in the case of the spouse issued by the Civil Registry or another document by which the relationship is verified.
Underage student policy
We provide health coverage while they study.
Associates under-age students have an insurance policy that covers medical expenses due to accidents, financial aid for the associate's death or total and permanent disability.
- Be a student enrolled in a public or private study center, aged 12 to 17 years.
- Maintain contributions of Social Capital for a period of at least three months.
- Even if they are behind in their contribution of Social Capital, maintain at least a Social Capital greater than ₵ 50.000.
In the case of compensation, it will be delivered to the parent, representative or guardian of the minor who registers in the policy application when it is formalized. The associate may consume them in medical expenses directly in the event of an accident.
By its nature this policy is limited in time, expires every year, so the associate parent, guardian or representative who takes the policy on behalf of the minor, must manage it each year.
Requirements to process the collection of this benefit:
- Form for claim-Self-expedited Insurance- Studying Insurance.
- Birth certificate issued by the Civil Registry.
- Copy of the identification documents of the minor's parent or guardian.
- Client account certificate of the minor's parent or guardian.
Requirements for claim in case of death of the Associate and advance for funeral expenses:
Original and copy of the Associate's Death Certificate, where the causes of death are indicated. If it occurs outside Costa Rica, a Death Certificate must be provided, certified and legalized by the respective Consulate.
- Original and copy of the corpse removal certificate issued by the corresponding authority.
- If the insured did not die at the scene of the accident, they must present a certified copy of the insured's clinical history, from the moment the accident occurred until the moment of their death.
- In the event that the minor's parent or guardian decides to request the advance for funeral expenses, they must present an original and a copy of the invoices issued by the funeral home or company providing funeral services, as well as the services that are covered by this coverage,
Requirements for claiming medical expenses in the event of an accident:
- Original and copy of the invoices canceled for expenses related to the event, details of each of the goods and / or services provided to the insured patient and their respective collection.
- Original and copy of prescriptions for medications, prescriptions for laboratory, radiological tests or any other diagnostic test related to the event.
- Certified copy of the complete medical history of the insured, from the moment he entered the hospital due to the accident.
Dismemberment claim requirements:
- Original of the medical report that assessed the insured student's injury and determined the dismemberment of the affected party, clearly indicating the symptoms, diagnosis and chronological evolution of the main insured's ailments.
- Certified copy of the complete medical history of the insured, from the moment the accident of dismemberment or functional and definitive loss of any of the members of the insured student occurred.
Requirements for claim of diagnosis of terminal cancer or polio:
- Original and copy of the medical report clearly indicating the illness or condition of the insured, the class, level or state in which the illness is found, together with the symptoms, diagnosis and chronological evolution of the same.
- Certified copy of the complete medical history of the insured, from the moment they entered the hospital for the diagnosis or where cancer or polio was determined.
Labor Discontinuity
Solidarity with our associates in case of layoffs.
Applies for associates who maintain credit operations and who have been dismissed in condition of incapacity for work and with decreased income. The aid will be up to 30% of the accumulated amount of Social Capital in your name, or the amount that corresponds to the monthly credit installments, whichever is lower, with a maximum cap of up to ₵ 500.000 per month and for up to 5 months. in one year, and may again resort to the use of any of these benefits after 36 months.
These resources apply to: amortization, current interest, and late payments, debit balance policies.
If you have Share Capital, complementary products and savings added to the credit installment, they must be assumed by the Associate, which are not requirements for them to receive the aid, when an Associate uses this benefit, no charges will be applied for late payment.
Requirements for public and private employees, independent workers and liberal professionals:
- Be reported on the payroll to the CCSS by your employer, and for independent workers and liberal professionals who contribute to the CCSS.
- In the case of disabilities, it applies to disabilities of 20 or more calendar days in a maximum period of two calendar months.
- The maximum period to submit the application for this benefit is 6 months after the date of termination of employment, start of disability or decrease in income.
- Not maintaining credit operations in a state of delinquency greater than 60 days, at the time of presenting the benefit request or at the previous monthly closing, the scenario that is most convenient for the Associate.
- Not maintain credit operations in a state of uncollectible and in judicial collection.
- The associate must not be in a state of resignation.
Requirements to process this benefit:
- Request for help, with the associate's personal data and verification that it meets the established requirements.
- In case of dismissal or its equivalent.
- Study of salaries reported to the CCSS dated the current month.
- In case of disability: disability slip issued by the CCSS or INS where the period of disability is indicated.
- Non-salaried associates: they may provide income reports for the last year and a half, the decrease in income must be greater than 40% in the last semester, in relation to previous periods, to apply the benefit.
Minor aid
We grow with the community and support its development.
Coopealianza provides support to the communities through collaborations for the development of community activities.
Contributions are provided directly to organized groups such as: Development Associations, Cantonal Committee or Committee attached to the Development Association, Cultural Associations, Public Government Institutions, among others.
These contributions can be requested by means of a letter addressed to the electronic mail service@coopealianza.fi.cr