In it Peru The culture, awareness, knowledge and preventive habit of protecting heritage and life have not yet been developed, which is why there are insurance which are mandatory.
For example, according to the SBS, one of these policies is the Mandatory Traffic Accident Insurance (SOAT), which aims to care for victims of road accidents.
Within the list there is also Ley Life Insurance that is contracted by the employer. This policy aims to provide financial relief to the family members of a worker who died naturally, accidentally, or suffered total permanent disability. It should be noted that it applies regardless of whether the accident or illness occurs during the work day.
On the other hand, the employer also has to take out Complementary Risk Work Insurance if the company’s collaborator performs risky work. This covers health, pension and funeral expenses.
Clear ideas
However, if what you want is to take out insurance that is not mandatory, the SBS points out that some considerations must be taken into account, such as analyzing what risks you are exposed to.
In addition, it is important that you are clear about what you want to cover and what the premium costs. You can compare the different options offered by the market.
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