EsSalud and its 4 financial subsidies: check with DNI if you can collect the bonus for breastfeeding, funeral and more

EsSalud, Peru’s Social Health Insurance, is a public entity that offers medical care and economic benefits to its members, including active workers, pensioners and their dependents. Its mission is to guarantee the well-being and health of its policyholders, providing a variety of services ranging from health prevention and promotion to disease treatment and rehabilitation.

In addition, EsSalud provides a series of financial subsidies to its policyholders to support them in different life circumstances. These bonds are designed to offer financial relief in various situations such as the birth of a child, temporary disability, maternity and funeral of an insured.

Breastfeeding subsidy in EsSalud

Breastfeeding is crucial for the healthy development and growth of newborns, as it provides them with necessary nutrients and protects them against various diseases. For this reason, Social Health Security provides financial support to pregnant women or women who have just given birth, as long as they are insured.

This payment is one-time and amounts to S/820 for each infant. In the case of multiple births, the subsidy is granted for each child individually. For example, if the mother has twins, she will receive a total of S/1,640.

Requirements to access

1. The baby must be the child of an EsSalud insured. Likewise, if the mother of the infant is not a primary insured, she must be registered with Social Security.
2. Have a history of contributions that covers three consecutive or four non-consecutive months during the six months prior to the delivery period.
3. The insured person must have at least three months of consecutive or four non-consecutive contributions within the six months prior to childbirth.
4. Maintain employment relationship at the time of birth.
5. Have documentation that proves the link with the newborn (DNI of the mother and child).
6. Complete and sign Form 1040, along with presenting the original identification document.
7. If the infant dies, posthumous registration must be carried out.

Maternity allowance

The maternity benefit compensates for the loss of income during the period of delivery and care of the newborn, covering 98 days, beginning 49 days before the probable date of delivery. The amount is calculated based on the average daily remuneration of the last 12 calendar months prior to the month of the start of the contingency, multiplied by the number of days of medical leave.

Requirements and how to access

• The insured must have at least three months of consecutive or four non-consecutive contributions within the six months prior to the start of maternity leave.
• Maintain an employment relationship both at the beginning and during the subsidy period.
• Present the maternity medical leave certificate issued by the EsSalud treating doctor.

Funeral benefit

The Social Health Security funeral subsidy is designed to help families of deceased policyholders cover funeral expenses. EsSalud grants up to S/ 2,070 for this purpose, ensuring that direct beneficiaries do not face additional financial difficulties in times of loss.

How to access funeral insurance?

1. The insured must have had at least three months of consecutive or four non-consecutive contributions within the six months prior to death.
2. Present the death certificate of the insured.
3. Complete and sign Form 1040.
4. Present original payment receipts for funeral expenses, which must refer to the name of the deceased insured and be issued in the name of the family member or third party who made the payment.
5. The payment vouchers must bear the seal that indicates “Payment Voucher for Exclusive Use by EsSalud”.
6. In the event that the expenses are assumed by a third party, you must have an Affidavit from the family member. that recognizes said disbursement.
7. Provide documentation that proves the applicant’s relationship with the deceased (ID and death certificate).

Temporary disability allowance

Temporary disability benefit is intended to compensate for loss of income due to the inability to work due to health problems. This benefit can be used from the 21st day of disability, with a maximum of 11 months and 10 consecutive days.

The amount of the subsidy is calculated based on the average daily earnings for the four months prior to the onset of disability. If the insured has less than four months of membership, the average is based on the insured time.

Requirements and how to access

• The insured must have contributed at least three consecutive months or four non-consecutive months within the six months prior to the start of the disability.
• Independent fishing insured persons must have two consecutive contributions or in the six months prior to the disability.
• In case of an accident, membership is sufficient.
• Complete and sign Form 1040.
• Fill out the data in the private medical certificate form during the first 20 days disability, making sure they are complete and legible.
• Show the ID of the insured or the legal representative of the employing entity in the case of direct payment, unless you have a Signature Registry in EsSalud.