Sicoob Insurance – Check out all the options

There are 11 alternatives for customers who would like to take out Sicoob Insurance.

Therefore, there is cell phone insurance, insurance for transactions, life insurance plus, individual life, women's life, simple life, master life, lending life, protected income, auto and residential.

In this sense, you and your family can enjoy protection in several areas, and Sicoob's biggest advantage is that its plans are flexible.

In other words, you can customize the plans according to your and your family's needs.

Let's take a look at all the insurance policies offered below:

Sicoob cell phone insurance and transactions 

Any loss suffered due to theft or qualified robbery of the device is protected by means of cell phone insurance.

Therefore, the customer who is able to prove what happened receives compensation.

So, you can check the validity period is 12 months, hire through the app in cash or in installments.

So, just tap on the side menu, in the “insurance” section.

Then click on “simulate” > “insurance” and “cell phone insurance”.

Secondly, we must talk about Sicoob Insurance transactions.

Basically, it serves as protection for DOC, TED and pix, which would be digital transactions made through the checking account under physical threat or coercion.

In addition to transfers, payments are also covered, as well as events arising from withdrawals or purchases under duress using a physical or virtual card.

Despite this, be aware that the insurance does not cover the following:

• Moral, bodily or aesthetic damages;
• Losses resulting from fraud such as misleading;
• Fraud and indirect extortion;
• Cash, cell phone, vehicle keys, checkbooks, jewelry, food vouchers, meal vouchers, third party checks, or any other item listed in the insurance policy.

So, hire through the app.

Sicoob Life Plus Insurance 

Already the life insurance plus It is suitable for clients with chronic health conditions who are in good control of their treatment.

Among the conditions, we can mention breast cancer, obesity, diabetes and hypertension.

As a result, the cooperative offers the service at an affordable and fair price.

This is because, based on your health information, the cooperative customizes the final insurance value so that you can enjoy good discounts.

This way, the client informs the results of the main treatment exams to receive the protection they deserve.

To do this, simply fill out the form on the website or look for the cooperative manager.

In this form, provide information such as full name, date of birth, telephone number, email address, cooperative and city.

And of course, to understand more details about Sicoob Insurance, you can analyze the general conditions.

Individual life insurance

Furthermore, we can discuss the individual life insurance.

With it, people aged 16 to 65 are protected with the following basic coverage:

Payment of compensation to beneficiaries in the event of the holder's death due to accident or natural causes, during the term.

As well as compensation to the insured due to loss, reduction or permanent functional impotence, total or partial, of a limb or organ due to physical injury caused by a covered accident, provided that it occurs during the period in which the service remains valid.

Additional coverage of Sicoob Individual Life Insurance

And as mentioned above, insurance is customizable, so there is the possibility of hiring additional coverage:

For example, accidental death coverage guarantees the payment of compensation to beneficiaries in the event of the insured's death.

Likewise, the insured capital is paid in the event of a positive diagnosis of one of the serious illnesses provided for in the general conditions, provided that the diagnosis occurs when the service is in effect.

The following diseases are covered: Cancer, Stroke, Acute Myocardial Infarction and Myocardial Revascularization Surgery with Implantation of Vascular Bridge(s) in the Coronary Arteries (Bypass).

Such as, Alzheimer's Disease, Loss of Hearing, Vision or Speech, Chronic Kidney Failure.

Finally, Organ Transplant: heart, lung, liver, pancreas, kidney or bone marrow and limb paralysis.

If the customer chooses to purchase funeral assistance for their Sicoob Insurance, expenses will be reimbursed with a limit of R$5500.

Finally, there is optional spouse inclusion coverage, in which the partner is included in the plan with the insured's coverage, with the exception of serious illness coverage and with 50% of the capital.

It is also important to highlight that in this case, funeral assistance becomes family-related, covering children and stepchildren up to 21 years of age.

However, it is essential that the stepson be defined as your dependent according to income tax.

Award-winning protection

Therefore, in addition to the basic and additional coverage of Sicoob Insurance, we must mention the award-winning protection.

Basically, it is a benefit that allows you to participate in weekly draws worth R$1,000,004,000.

In this sense, it is sufficient that the insurance be active and up to date for the last 3 months, or in the case of new policyholders, have made the payment of the first installment.

To find out if you've won, you need to check your lucky number by accessing the certificate within the app.

Therefore, access the menu, followed by “insurance”, “life insurance” and “consultation”.

When searching for a nearby cooperative, you can also check its number.

Therefore, the draws take place according to the date of the Federal Lottery (on Saturdays), respecting the schedule available in the regulations.

If you have Sicoob Insurance and are selected in the draw, you will receive notification within 15 days from the cooperative via phone call, email, telegram with acknowledgment of receipt or registered letter.

It is essential to keep the data updated because the amount is received within 30 days.

Therefore, the amount is received in an active savings account at Sicoob, and it is necessary to sign the settlement and prize delivery term and authorization for the use of the image provided by the cooperative.

Please note that there is no other alternative to receive the prize, so if you do not have an open account, simply create one for this purpose and after 30 days, you can close it.

Another interesting point would be the possibility of being drawn more than once.

However, if the cooperative is unable to locate the winner within 180 days, he or she will forfeit the prize.

In the event of the death of the Sicoob Insurance holder who is drawn, the prize is delivered to the executor or to one of the heirs, with the consent of the others.

Rules for the draw

Check out some rules for award-winning protection:

People under 18 years of age who are not duly represented by a legal guardian will not participate.

In this sense, if a minor is selected, they must present a birth certificate or ID card, in addition to the court document (when applicable), as well as the identification documents of their legal guardians.

Therefore, the prize is delivered in the name of the minor, in the presence of the legal guardians, and the receipt and delivery term must be signed by both the minor and the guardian.

Furthermore, individuals who do not live in the country are not allowed.

Anyone who fails to comply with the rules of regulation of these Sicoob Insurance benefits, will also be excluded from the promotion.

We also recommend consulting the regulations because anyone who commits any type of fraud or attempted fraud may be excluded or disqualified from the draws.

Women's life insurance

This service is aimed at women aged 16 to 65, and includes the following basic coverage:

Total or partial permanent disability due to accident, and death coverage.

Therefore, the coverage works in the same way as in individual life insurance.

But there is a different basic coverage: that of serious illnesses.

Please note that this service is offered in individual life insurance, but you must pay for it as it is additional coverage.

In this Sicoob Insurance, coverage is already included.

However, with regard to additional coverage, it is worth mentioning accidental death and funeral assistance, which work in the same way as the previous insurance.

This way, anyone who takes out this insurance also participates in the prize protection draws.

On the other hand, it is worth talking about the simple life insurance, also aimed at members aged 16 to 65.

Among the basic coverages, the following are worth highlighting:

• Death;
• Total or partial permanent disability due to accident;
• Accidental death;
• Funeral assistance with reimbursement of expenses up to R$3500.

Clicking here, you can check the general conditions of this insurance.

Sicoob life insurance master and lender

This solution is aimed at customers aged 61 to 85 with the following basic coverage:

• Death;
• Total permanent disability due to accident;
• Funeral assistance with a maximum value of R$1,040,000;
• 4 monthly draws by the Federal Lottery for the amount of the capital contracted by the holder.

As for additional coverage, the inclusion of a spouse is optional.

In other words, it is possible to include your partner in all coverages with 100% of the plan holder's insured capital, except for participation in raffles.

Check the general conditions here.

THE Sicoob Insurance lending life has death coverage and total permanent disability due to an accident for the member's family.

In addition, there is the settlement of the outstanding balance of a debt or Sicoob financing plan in the event of death or disability.

Income-protected life, auto and home insurance

Already with the life insurance protected income, there is temporary disability coverage.

In other words, your standard of living and that of your family is protected in the event of an accident or illness that prevents you from working for a certain period.

In this case, according to the general conditions, coverage lasts 365 days for covered cases.

As well as the following basic coverages:

Total or partial permanent disability due to accident and accidental death.

So, see the conditions at this link.

There is also Sicoob Insurance self aimed at those who know the value of their truck, taxi, motorcycle or car.

And in addition to protecting the car, the insurance also protects the driver against possible civil liability resulting from accidents.

So, check out the advantages:

• 24-hour assistance with specialized service;
• Special and customizable coverage;
• Quote in just a few minutes;
• Best partner service network.

THE home insurance has the same advantages, as it protects your home against unforeseen events, from fire and theft, to electrical damage and civil liability.

How to purchase Sicoob Insurance?

To purchase any of the insurance mentioned above, visit your cooperative.

So, click the button above to find a cooperative near your home.

When visiting the cooperative, we also recommend that you inquire about the availability of insurance at that specific location.

THE insurer may refuse the proposal?

Yes. The insurer has 15 days to respond to the proposal.

If there are no refusals after the deadline, Sicoob Insurance has been accepted.

However, anyone who is denied will be formally informed, along with the justification.

As report a claim?

You must directly inform a cooperative attendant who will act as an intermediary with the insurance company.