Individual Life Insurance

It is defined as protection against financial and economic losses caused by the occurrence of premature death. Therefore, it provides the means by which a person can compensate his beneficiaries for the loss of his future income or income upon his death

Group Life Insurance

Its purpose is to protect an Insurable Group under the risk of death and only grants a renewable temporary plan annually.

• Insurable Group: It is constituted by a group of Natural Persons, grouped under an Entity with legal status, or having a natural or legal third party (TOMADOR), stable relationships of the same nature, common interests and whose link did not originate in the will to obtain Life Insurance protection.
• Grupo Insured Group: The group of natural persons of the Insurance Group, who are covered by a Group Life Policy. During the validity of the Policy, it is logically allowed Insured Entries or Departures and modification of Individual Insured values, liquidating the cost of the Insurance, through Pro Rata Premium

Affiliation to the Labor Risk System – ALRS

The Human Resource, fundamental factor of the operations of a company, was favored by the new System of Social Security (Law 100 of 1993), especially in the area of Labor Risks, by means of the Decree Law 1295 of 1994.

The new system allows the Entrepreneur to opt for a system of private attention, with all the advantages that this introduced, giving the opportunity to develop activities that will be able to improve Occupational Health standards, reduce the accident rate and eventually the contribution of their contribution, obtaining thus, greater productivity, profitability and a better work climate.

Car insurences

Thinking of you we offer the products of the most prestigious companies of the insurance market, with professional advice, that according to your need, we can choose the best option, with the following benefits:

• Immediate attention of your insurance via Internet, e-mail, telephone or fax.
• Rates according to your needs.
• Personalized assistance at all times..

Other services

• Automatic renewal of your policy.
• Free towing service in case of stranding or accident in the national territory.
• Free legal assistance.
• Travel assistance.
• Vehicle inspection.
• Free dialing of your vehicle.

Acquire your policy against all risk, at the lowest cost and with the greatest coverage!

What is covered by vehicle insurance?

Total loss for damages: When the value of the repair of the vehicle exceeds 75% of the commercial value of the same.

Total loss due to theft: When the complete vehicle disappears permanently, due to any type of theft.

Partial loss due to damage: Covers the value of labor, and the necessary spare parts to leave the vehicle in the conditions it was in before the event.

Partial loss due to theft: When they disappear from the covered vehicle, elements, accessories or vital parts for its operation. Additionally, it covers the cost of the damages that the vehicle may suffer during the theft. If the amount of the stolen goods exceeds 75% of its commercial value, it could be classified as a total loss.

Patrimonial Protection for Extracontractual Civil Liability: It is an indemnity, which the insurance company will cancel for the damages caused by the insured to any person in the case of a traffic accident.

Patrimonial Protection for damages: It is an indemnity that the owner will receive for the damages suffered by his vehicle during the validity of the insurance.

Legal Aid Assistance: The insurance company will appoint a lawyer to represent the insured in a criminal proceeding initiated as a direct consequence of a traffic accident, in which injuries or homicide occur with the insured vehicle. Provided that whoever drives at the time of the accident is the insured or a duly authorized person.

Extracontractual civil liability: It is the responsibility of any person who causes an accident in which a person or persons suffer injuries or lose their lives. In addition, it also protects the damages to the property of others that are affected. It will be paid by the insurance company to the victims for the damages caused by the insured due to the extracontractual civil liability incurred.

Vehicles can be secured: New vehicles, and those whose seniority is not older than 15 years.

What basic obligations should the policyholder fulfill?

• Do not drive while intoxicated, or under the influence of hallucinogenic substances.
• Be up to date with the payment of your policy.
• Have a valid driving license issued by the competent authority.
• Do not use the vehicle for tasks other than those authorized.

SOAT

It is an insurance for all the automotive vehicles that transit through the Colombian territory. It amends personal injuries caused to people as a result of a traffic accident, whether pedestrians, passengers or drivers. Home delivery of your Compulsory Insurance

Insurance Of Extracontractual Civil Liability

Protecting heritage is a priority for businesses, families and individuals. For this reason it is important to have a backup insurance that covers the compensation costs generated by material damages or personal injuries caused in the exercise of any profession, trade or economic activity.

The law is very clear as to the obligation of the one who causes damage to another, must offer an economic compensation for the damages caused, and it is in that situation when the assets of the companies or individuals may be affected.

The different insurance companies constituted and legally recognized in the country, have designed the non-contractual civil liability policy offering different coverage options, including an all risk solution, in order to cover the compensation costs that may arise from damages caused by the environment. or to other people.

Civil responsibility

In the exercise of his professional or business activity, damage to third parties may be caused, such as material, corporal or economic losses; and behind a mistake, in addition to reputational risk when exposing a name and a brand, you can also expose your assets. With an insurance for Extracontractual Civil Liability, you protect the assets of your company against third-party claims.

With the Professional Civil Liability Insurance the liability incurred by a natural person within their professional activities is covered. As possible insured we can mention: independent workers, doctors, dentists, lawyers, engineers, consultants, etc.

Management Insurance

Its objective is to compensate the INSURED for the fraudulent handling of money, securities or assets that could be incurred by the company’s personnel, that is, guarantee the loyalty and good management of all its employees.

Fire Insurance

Planned to protect the Insured against loss or damage to property insured property (building and / or contents), as a direct result of Fire and Lightning (Basic Amparo), as well as earthquake, tremor and / or volcanic eruption, asonada , mutiny, crowd or popular strike and strike, misconceived acts of third parties AMIT, extended coverage or amparos extension (typhoon, hurricane, tornado, cyclone, strong winds, hail, aircraft, vehicles and smoke), water damage, anegation, fire and lightning in electrical devices and debris removal, as additional shelters.

Insurance for Theft

Its objective is to compensate the losses or damages suffered by the insured property within the establishments, as a consequence of the act of illegally seizing them, leaving visible evidence of violence or escalation as evidence. Likewise, the losses caused to the insured property are indemnified by individuals who, for the purpose of subtracting such assets, execute violence against the insured or the persons in his service. They also threaten them with imminent danger, provide them with drugs, toxins, etc. to place them in a state of helplessness or deprive them of knowledge, when these people are within the insured risk

Electronic Equipment Insurance

It covers sudden and unexpected damages that occur to electronic equipment, such as: computers, radio and television installations, X-ray equipment, radars, laboratory equipment, telephone exchanges, medical equipment and other equipment that use low current, caused by Fire, Lightning, Explosion, Inherent Fire, Subtraction With Violence, Humidity, Impericia, Negligencia, Sabotage (Basic Amparo), as well as by Earthquake, Asonada, Mutiny, Cilvil or Popular Concussion and Strike, Misunderstood Acts of Third Parties AMIT, Hurricane, Simple Theft (Additional Shelters).

Insurance of Machinery Damage

Covers the equipment and machinery (boilers, compressors, transformers, motors, control panels, machines, tools, generators) insured against damages and breakdowns inherent to their operation caused by incompetence, carelessness, individual sabotage of strangers or the insured’s staff, direct action of electricity, as a result of short circuits, electric arcs, etc., design errors, construction defects and use of defective materials

Securities Transportation Insurance

It grants money in cash or securities (checks, credit card vouchers), against risks that may affect them in their transportation, from the Insured’s facilities to Banks and / or Corporations and / or Suppliers and / or Clients, and vice versa

Prepaid Medicine

Why Acquire a Health Policy or Prepaid Medicine?

Why Acquire a Health Policy or Prepaid Medicine?: So that you can choose the doctor and the institution of your preference, thanks to a wide Directory with doctors, specialists and the most important entities of the country.

• For coverage and quality at national and international level.
• To cover expenses in case of illness or accident.
• Because of the wide coverage, not only hospital, but also ambulatory and domiciliary in any eventuality.
• Transplants.
• Unlimited hospitalization (without a limit of days) for hospital treatment, surgery or intensive care unit.
• Hospital coverage for users with a diagnosis of acquired immunodeficiency syndrome (AIDS).
• Cancer medical and surgical coverage, includes hospitalization for either medical or surgical treatment and treatment of chemotherapy or radiotherapy, cobalt therapy, hormonal therapy, immunotherapy and commercial oncological drugs, outpatient clinics.
• Maternity coverage.
• Medical consultations in all specialties.
• Laboratory studies and diagnostic images.
• Home health care, 24 hours a day.
• Ambulance dispatch for patient transfer.
• Intensive care unit.
• Special services for hospital care in the home.
• Coverage for the newborn.
• Companion bed.
• Telephone medical guidance, 24 hours a day, 365 days a year, attended by medical professionals.
• Discounts and benefits for simultaneous enrollment in the Mandatory Health Plan.
• Cover in alternative medicine.
• Have access to better hotels.

Policies for Complication of Any Surgery

Coverage for complications that may arise due to plastic surgery, aesthetics, dermatological treatments, bariatric and ophthalmological surgeries, which are not covered by the POS or other health policies.

Guaranteed University in Colombia

Guarantees the payment of university tuition, regardless of its cost in the future. What does it cover? It covers the cost of a university career for up to ten (10) semesters or five (5) years, regardless of the university the beneficiary chooses.

Why buy?

It is an educational insurance in Colombia that guarantees the payment of university tuition regardless of the future cost. It ensures the payment of a professional career in Colombia, up to a maximum of ten semesters or five years. It allows you to enjoy without worry one of the most beautiful moments in the lives of your children or grandchildren: the time to define your professional education. With this Insurance you will not have economic barriers for them to freely choose what and where to study.

Advantages

• Extensive financing and payment facilities.
• It is allowed to combine the option of Undergraduate and Postgraduate, in such a way that if the Beneficiary finishes his career before having used the benefits in full, he can access a Postgraduate course.
• Benefits are granted for Education for Work and Human Development Institutions. This alternative allows our beneficiaries to access new talent and skill development alternatives, which are different from the traditional ones.
• If, once the studies begin in Colombia, you receive a Scholarship Abroad, a value equivalent to the last academic period paid, updated with IPC, is recognized. The conditions in case of Death or ITP of the Original Beneficiary are extended.
• As of the third year of validity of the policy, the Premium Return Value is increased to 85%, updated each year with Simple CPI.
• Life insurance for five (5) years.
• Access to educational portals.
• Permanent contact with the Insurers.
• Specialized advice on topics related to university studies in Colombia.
• Personal accompaniment one year before your children start the University.
• It is an advance investment to ensure the education of your child or grandchild.
• It is an educational insurance that guarantees the payment of tuition for 5 years or 10 semesters.
• In any University of Colombia.
• Any career.
• For any child, acquiring it before they have 6 years to enter the university.
• No matter how much the cost of tuition has risen and without the policyholder having to pass away, the Guaranteed University Plan allows you to enjoy without worry one of the most beautiful moments in the life of your children.
• Most importantly, your child or grandchild will have no limits to realize their dreams.

Guaranteed University in the United States

It is a plan to prepay higher education in the United States and can be acquired before your loved one has six (6) years to enter university. It can acquire people who are not citizens or residents of the North American or Caricom.

Options

• For State University: guarantees 4 years or 120 credits at any state university in the United States.
• For State or Private University: guarantees 4 years or 120 credits at any state or private university in the United States.
• For Private University in Colombia: guarantees 10 semesters in any private university in Colombia.

Educational Insurance by Semestres

Acquire insurance for the first semester of university from the birth of your child up to 6 years before entering college; you can buy the semesters you want until a day before the insured turns 14 years old.

Options

• For the purchase of each semester the policyholder will have life insurance for one year. With this value the beneficiaries of this insurance will be able to acquire the semesters that they lack until completing the 10 semesters.
• You will have an ample period to guarantee the educational future of your children, since in this way you can choose the amount you want to acquire regardless of the periodicity of purchase of the remaining semesters.