If I contribute to EsSalud and die, how much money is given for funeral expenses and who collects it?

Social Health Security, better known as EsSalud, is a public institution in Peru that provides health coverage to formal workers and their families, as well as to pensioners and the population that chooses to enroll. The service is funded primarily through contributions from employers and employees, and offers a wide range of healthcare services including primary, specialist, hospital and emergency care.

Every registered citizen has the right to receive the funeral benefit when he or she dies. This benefit is granted to the relatives of the holder and seeks to cover funeral expenses of the person who is no longer on the earthly plane. To access this subsidy, some conditions, requirements and documents are required that we will detail below.

How much money must EsSalud give if a member dies and who can collect the amount?

The EsSalud funeral benefit It can be requested by a direct relative of the insured who has died. Family members eligible to carry out this procedure include the spouse or cohabiting partner, adult children, fathers, mothers or siblings who are over 18 years of age. This procedure allows the deceased’s loved ones to access the financial benefit intended to cover funeral expenses.

According to the information available on the official EsSalud website, the maximum amount granted to cover funeral expenses amounts to S/2,070. To access this amount, it is necessary for applicants to present receipts evidencing the expenses incurred due to the death of the regular insured.

What are the requirements to access the funeral benefit in EsSalud?

• The regular insured holder must have made contributions for three consecutive months or for four months spaced within the semester prior to the month of his death.
• For the insured in the agricultural sector, it is necessary to have contributed for three consecutive months or four scattered months in the year prior to death.
• It is a requirement that the employee was actively employed at the time of death.
• If you are a pensioner, it is essential to have maintained your pensioner status at the time of death.
• The beneficiaries of the Complementary Risk Work Insurance (SCTR) are not eligible to receive this benefit at the time of death.

What funeral expenses are recognized?

Through your website, EsSalud indicates that the expenses covered by the services include the niche or burial, cremation or coffin services, coffin, use of the funeral chapel, hearse, transfer, funeral clothing or shroud, as well as the preparation of the body of the deceased.

Does EsSalud cover the funeral of a spouse or cohabitant?

You should know that this benefit It is only delivered upon the death of a regular insured holder, who is active or a pensioner.

EsSalud 2024: what other financial subsidies are available?

• Temporary disability subsidy: aimed at active insured people, including regular, agricultural and special regime workers. It seeks to mitigate the loss of income caused by the inability to work due to health conditions.
• Maternity benefit: provides financial support to insured women during their maternity leave.
• Breastfeeding subsidy: S/820 is given to the mother of a newborn, child of an insured person. In cases of multiple births, an additional subsidy is granted for each child born alive.