EsSalud Benefits: bonuses from 820 soles for mothers, workers with illnesses and in case of death

He Social Health Insurance (EsSalud) provides multiple financial subsidies to its members, designed to offer support in critical times. These benefits include financial aid for newborns, mothers on maternity leave, disabled workers and to cover funeral expenses.

In 2024, EsSalud is introducing four types of bonuses that seek to reduce the economic impact in specific situations. Below, we detail each of these benefits and the steps required to access them.

EsSalud Bonus for mothers

Mothers insured by Essalud have the option of accessing two subsidies for their benefit and that of their child. These are the breastfeeding and maternity subsidies. Find out what each one is about and what the requirements are:

Breastfeeding allowance

The EsSalud breastfeeding subsidy grants an amount of S/820 to cover the initial expenses of the newborn. This benefit is aimed at the mother of the baby, provided that the father is an insured person. It is essential that the insured know the requirements to access this bonus and can receive the help in a timely manner.

Requirements:

1. Maintain an employment relationship during the birth of the baby.
2. Register the minor as a beneficiary of the insured owner.
3. Complete and submit Form 1040, available on the EsSalud website or at its agencies.
4. Submit the form within six months of the postpartum period.

Maternity benefit

The maternity benefit is intended to compensate for the loss of income during pregnancy and postpartum, as well as for the care of the newborn. This benefit is granted for a total of 98 days, starting 49 days before the probable date of delivery. The amount is calculated based on the average daily wages of the last 12 months prior to the month in which the contingency begins, multiplied by the number of days of medical leave.

Requirements:

1. Maintain an employment relationship at the beginning and during the subsidy period.
2. Complete Form 1040.
3. Submit the Certificate of Temporary Incapacity for Work (CITT).

EsSalud subsidy for insured persons who cannot work

Also called temporary disability benefitl, EsSalud grants it to insured persons who cannot work due to illness or accident, starting from the twenty-first day of the disability and extending up to eleven months and ten consecutive days. This bonus is vital for workers facing temporary disability, providing financial support during their recovery.

Requirements:

1. Having contributed for three consecutive months or four non-consecutive months within the six months prior to the start of the disability.
2. Complete Form 1040.
3. Present the CITT issued by a doctor.

EsSalud death benefit

He burial allowance The policy provides an amount of up to S/2,070 to cover the funeral expenses of the deceased insured. The direct beneficiary can be a family member or a designated third party. This bonus helps alleviate the financial burdens associated with the burial, allowing family members to focus on grieving without additional financial worries.

Requirements:

1. The deceased insured must have contributed for three consecutive months or four non-consecutive months within the six months prior to his death.
2. Submit the original receipts for funeral expenses, Form 1040, and the document proving the beneficiary.
3. Submit the documentation at one of the EsSalud offices.