EsSalud: if a family member dies, how much money does the insurance provide for funeral expenses?

One of the rights that corresponds to each person affiliated with Social Security EsSalud It is the amount of money that the family of the insured citizen must receive after his or her death, which is called ‘burial benefit’. The main objective of this service is to cover the various funeral expenses. However, there are requirements to access this benefit. In the following note, you will be able to learn more details about the law.

How much money should EsSalud provide for my deceased relative?

As detailed EsSaludthe amount of money granted to the beneficiary of the funeral benefit is a maximum of S/2,070. Along these lines, it was specified that the beneficiaries may be direct relatives of the deceased insured: spouse or common-law partner, adult child, father or mother, and adult brother or sister. To do this, there are certain requirements that must be followed.

EsSalud: what requirements must I meet to access the funeral benefit?

• The insured must have three consecutive months of contributions or four non-consecutive months within the six calendar months prior to the month in which he or she dies.
• In the case of the agricultural insured, they must have three consecutive months of contributions or four non-consecutive months in the last 12 months prior to their death.
• The insured worker must have an employment relationship at the time of death.
• If you have a pension, you must maintain your status as a pensioner when your death has occurred.
• The funeral benefit does not cover deceased members of the Complementary Risk Work Insurance (SCTR).

What services does the EsSalud funeral service cover?

The EsSalud funeral benefit covers the following expenses:

• Niche or grave
• Cremation or burial
• Coffin
• burning chapel
• Transport
• Shroud or suit
• Preparation of the corpse

What are the requirements to request the funeral benefit?

• Complete Form 1040 (must be correctly completed and signed by the beneficiary).
• Show the original payment receipt for funeral expenses, with the name of the deceased insured.
• The seal indicating ‘Payment voucher for exclusive use by EsSalud’ must be placed on the payment vouchers.
• If the expense incurred was made by a third party, an affidavit must be made from a family member acknowledging the expense made by that person.

Other observations:

• If the death of the insured occurs abroad, original payment receipts (translated) must be presented with signatures legalized by the Ministry of Foreign Affairs or the Hague Apostille seal.
• If the insured dies due to sudden or violent death, the police report or report from a competent authority must be presented with a copy of the autopsy certificate.

If you require more information regarding the funeral benefit, you should contact the Insurance and Economic Benefits Office (OSPE) of the EsSalud insurance. Here you can see it. You will find telephone numbers or addresses for preferential attention throughout Peru.