Essalud: How much money does the insurance provide for funeral expenses if the policyholder dies?

The death of a loved one is very painful and often comes unexpectedly, leaving family members unprepared. In addition, the loss of a family member entails expenses related to the funeral process. That is why one of the rights of EsSalud members is the burial benefit, which consists of financial support for the family of the deceased insured to help cover the costs of the funeral. funeral expenses. It is essential to highlight the importance of this benefit as a way of providing support and protection to family members in difficult times.

Along these lines, in this note we help you with everything you need to know about this benefit provided by social security EsSalud. Take note!

How much money does the insurance provide for funeral expenses if the policyholder dies?

As detailed by social security EsSaludthe amount of money granted to the beneficiary of the burial benefit is a maximum of S/2.070. In this regard, it is specified that the beneficiaries may be direct relatives of the deceased insured: spouse or partner, adult son or daughter, father or mother, and adult brother or sister. To access this benefit, it is necessary to meet certain requirements established by the institution.

EsSalud 2024: What are the requirements 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 an agricultural insured, he/she must have three consecutive months of contributions or four non-consecutive months in the last 12 months prior to his/her death.
• The insured worker must have an employment relationship at the time of his death.
• If you have a pension, you must maintain your pension status after your death.
• The funeral benefit does not cover deceased members of the Complementary Insurance for Risky Work (SCTR).

What documents do I need to submit to apply for EsSalud’s funeral benefits?

• Form 1040you can check it out here.
• Documents proving the billswhich should not exceed S/2.070.
• Original payment vouchers for the funeral services that have been requested.
• Sworn declaration for other funeral services purchased (coffin, chapel, hearse, and others).

EsSalud funeral benefit: what services does it cover?

This financial subsidy covers the following funeral expenses:

1. Niche or grave
2. Cremation or burial
3. Coffin
4. Chapel of rest
5. Transport
6. Shroud or suit
7. Preparation of the corpse

EsSalud: How to apply for funeral benefits?

If relatives wish to access the funeral benefit, they must locate the EsSalud offices that carry out this process. You must also take into account the following documentation.

• Complete Form 1040 (must be properly filled out and signed by the beneficiary).
• Show the original proof of payment for funeral expenses, with the reference of the name of the deceased insured.
• The payment receipts must be stamped with the indication ‘Payment receipt for exclusive use by EsSalud’.
• If the expense was made by a third party, a sworn statement must be made by a family member acknowledging the expense made by that person.