Take advantage of the mandatory insurance that you might already have without knowing it.

Financial protection and the well-being of individuals are crucial aspects of daily life, especially in the face of unforeseen events that can arise at any moment. Often, people are unaware that they already have insurance that provides valuable coverage. In this regard, we have identified four types of insurance that, although mandatory, may be available to you without your knowledge. Below, we will explore each of them in detail.

The first on the list is the Life Insurance Law, a benefit that all dependent workers must have from their first day of work. This insurance, which is the employer's responsibility, provides fundamental financial security in cases of disability or death. In the unfortunate event that the insured passes away, their family will receive compensation equivalent to 16 months' salary. Additionally, if the worker suffers total and permanent disability, the amount can reach 32 months' salary. This coverage not only protects the worker but also provides an essential safety net for their loved ones during times of economic crisis.

On the other hand, the Mandatory Traffic Accident Insurance (SOAT) is another example of insurance that many drivers possess without knowing it. This insurance is mandatory for all vehicle owners in Peru and covers all individuals involved in an accident, regardless of who is at fault. SOAT guarantees medical attention for the affected parties, covering everything from hospitalization to necessary treatments. Beyond its legal requirement, having this insurance is crucial for ensuring safety on the roads and providing immediate care in the event of an accident.

Another lesser-known but equally important insurance is the Collective Accident Insurance. This type of coverage is commonly contracted by companies that organize events or that receive a large number of visitors, such as shopping centers or entertainment venues. The Collective Accident Insurance protects both employees and visitors against accidents that may occur in these facilities. From falls to injuries caused by objects, this insurance provides fundamental protection in spaces where the influx of people can increase the risk of accidents.

Liability Insurance, although less popular, is also essential in daily life. This insurance covers individuals in situations where they accidentally cause harm to another person. It is particularly relevant in high-risk activities, such as driving vehicles or managing businesses. Having Liability Insurance can be an important safeguard to avoid legal disputes or unexpected expenses arising from an accident.

Although many may already be covered by these mandatory insurances, there are also additional options that individuals can consider to enhance their protection. For example, the National Bank offers an Oncology Insurance designed to cover serious illnesses such as cancer. This coverage is available for individuals aged 18 to 70, ensuring necessary medical attention in the event of a diagnosis of this disease, which may include treatments and surgeries.

Another valuable option is the Burial Insurance from the National Bank, which covers funeral expenses for the insured. This insurance provides up to S/6,000 to help cover costs associated with death, alleviating the financial burden during a difficult time. Additionally, it offers an educational benefit of S/1,200 for each child of the insured, up to a maximum of three children, providing additional support to families in mourning.

It is evident that insurance plays a crucial role in protecting our lives and those of our loved ones. The uncertainty of life reminds us of the importance of having financial backing that allows us to face unexpected situations with greater peace of mind. Therefore, it is advisable for each person to review their existing policies and inform themselves about the coverages they already possess, as well as the additional options available in the market.

In conclusion, education about insurance and its benefits is fundamental to ensuring that we are making the best financial decisions. Do not underestimate the importance of knowing what coverage you have, as this can make a difference in critical moments. The protection of your life and that of your family is closer than you think, and you may already be more protected than you realize.