What financial subsidies does EsSalud provide and how to request them online?

EsSalud, the entity in charge of Social Health Insurance in Peru, plays a vital role in protecting the health and well-being of Peruvians. Through the provision of comprehensive medical services and economic benefits, this public institution is committed to caring for its members, who include active workers, retirees and their dependents. With an approach that ranges from prevention and health promotion to disease care and rehabilitation processes, EsSalud ensures broad and effective coverage. Financed mainly by contributions from both employers and employees, along with its own income, this entity is established as a fundamental pillar in health management in Peru and has an extensive network of health care facilities distributed throughout the country.

In addition to quality medical services, EsSalud offers a series of financial subsidies to support its members in situations of temporary disability, maternity, breastfeeding and funeral; which is why it stands out as financial support in critical moments.

This range of financial support demonstrates the institution’s commitment to the comprehensive well-being of its insured by facilitating access to financial support essential services that help mitigate financial burdens during vulnerable periods. With national coverage that includes hospitals, medical centers and health posts, EsSalud is positioned as a benchmark in the provision of health services and economic benefits in Peru to guarantee the safety and protection of its members in the face of various contingencies.

How to request EsSalud financial benefits virtually?

If they meet the requirements to apply for the breastfeeding, maternity and temporary disability subsidy, the insured must go to this link https://viva.essalud.gob.pe/viva/login and log in with your DNI number, verification digit, password, in addition to writing the code indicated by the platform. If you do not have an account, you can register your data and attach the information requested to access this financial support.

Regarding the funeral benefit, this procedure must be carried out in person at any of the 35 offices of the Insurance and Economic Benefits Offices (OSPE).

What financial support does EsSalud provide and what are the requirements to request it?

Breastfeeding allowance

The breastfeeding subsidy represents a financial contribution of 820 soles provided by EsSalud to the mother of the newborn. This is a benefit aimed at children of primary policyholders. This seeks to facilitate the care and well-being of the newborn. In cases of multiple births, an allowance is granted for each infant alive at the time of birth.

To be a beneficiary of this assistance, it is necessary that the member has made contributions during a period of 3 consecutive months or 4 alternate months within the 6 months prior to childbirth. It is imperative that the insured continue to be employed at the time of the child’s birth.

It is a requirement that the newborn be registered as a dependent of the insured person. In circumstances where the mother is not the owner of the insurance, she must be registered with EsSalud to access the benefit. This economic support scheme highlights the importance of guaranteeing the well-being of newborns and their mothers, within the social protection framework that EsSalud offers its members.

Likewise, to facilitate the process, you can access this link: https://apps.essalud.gob.pe/LactanciaCeroTramites/#/consulta

Maternity allowance

The maternity benefit constitutes a crucial economic benefit intended to compensate for the interruption of income of insured workers during the period of childbirth and initial care of the newborn. This financial support is essential for women in the workforce to ensure they can devote themselves to the well-being of their children without immediate financial concerns.

To access this subsidy, it is essential that the affiliated worker has made contributions to the insurance for a minimum of 3 continuous months or 4 non-consecutive months in the semester prior to the beginning of the period of enjoyment of the benefit. Likewise, it is essential that she maintains her active employment relationship at the time of beginning the enjoyment of the contribution and during the enjoyment of it, and that she has been employed in the month in which the conception occurred.

This requirement seeks to ensure economic support for those women who actively contribute to the social security system.

For workers affiliated under special regimes, including independent artisanal fisherwomen and fish processors, it is necessary to have paid the contribution corresponding to the month of conception before applying for the subsidy. This criterion highlights the importance of a continuous contribution to the social security system in order to benefit from its support.

In situations in which the employer has incorrectly recorded maternity days as days worked, EsSalud will proceed to partially pay the subsidy corresponding to those properly declared.

Likewise, it will issue a resolution that partially recognizes the days to be subsidized and will detail those not recognized because they have been erroneously reported as worked. This measure leaves the door open for policyholders to exercise administrative remedies in the event of possible discrepancies.

This protection scheme seeks to ensure that working mothers are not financially penalized during this crucial period, thereby fostering a more equitable and safe environment for working families. The effective implementation of this benefit reflects the commitment of social security institutions to supporting motherhood and gender equality in the workplace.

Temporary disability allowance

EsSalud provides a financial subsidy intended to cover the funeral expenses of a regular, active or retired insured, with a maximum amount of S/2,070. This benefit is designed to alleviate the financial burden that the funeral service represents and its access is prioritized to the closest relatives of the deceased, which is why it pursues a pre-established order that begins with the spouse or common-law partner, followed by the children, parents, adult siblings or even a third party who proves that they have incurred the expenses.

To qualify for this financial support, it is necessary that the regular member who has died had at least 3 months of continuous contributions or 4 non-consecutive ones in the semester prior to his death. Workers need to have been employed at the time of their death, while pensioners must have maintained their status until the time of death.

It is important to note that this benefit is not available to members of the Complementary Risk Work Insurance (SCTR), which marks an important distinction in EsSalud coverage.

What is EsSalud?

EsSalud is a public institution decentralized whose main objective is to provide health insurance coverage to policyholders and beneficiaries through the provision of preventive, incentive, restorative and social benefitswithin the framework of the mixed health and social security system.