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Insurance and Assistance

Integral Protection

Life, disability, unemployment and medical assistance in one plan.

Integral Protection
I want it

Choose your Integral Protection

Extended coverage for life, disability, unemployment and — for the rural sector — crops and legal cannabis.

Personal Protection

$45,000 COP per month
  • Accidental death benefit up to $150M COP
  • Monthly income for disability or serious illness
  • Unemployment coverage up to 3 months
  • Basic prepaid telemedicine
People responsible for their income and direct family.
I want it

Family Protection

$85,000 COP per month
  • Coverage for holder + spouse + children
  • Accidental death benefit up to $300M COP
  • Educational income for children until 18
  • Family funeral assistance
  • International second medical opinion
Providing parents wanting to protect the whole family.
I want it
Benefits

What does it offer?

Accidental death benefit up to $200M COP

Monthly income for disability or serious illness

Unemployment coverage up to 6 months

Basic prepaid medical assistance included

No medical exams up to certain age

Everything you need to know

Features

General aspects of the Integral Protection policy tied to your INOVACOOP product.

  • Premium payment
    The premium is paid monthly.
  • Insurance company
    The contracted policy is with Compañía de Seguros Alfa S.A.
  • For Loans
    Payment is included in the monthly loan installment.
  • For Credit Cards
    You pay it through a purchase charged to your card.
  • For Accounts
    You pay it through automatic debit from your account.
  • Renewal
    Automatic renewal every year, with no additional paperwork.
Coverages and uses

What does it cover?

Coverages included in the Integral Protection for you and your family.

Permanent disability

Indemnification for total and permanent disability caused by illness or accident that prevents any work activity.

Permanent accidental disability as air passenger

Enhanced coverage for total and permanent disability when the accident occurs while traveling as a passenger on an authorized commercial flight.

Death from any cause

The insured sum is paid to the designated beneficiaries upon the insured's death from any cause, natural or accidental.

Family basket income

Monthly income to cover the family's basic expenses (groceries, utilities and essentials) in case of a covered event.

Monthly income for your children's school

Monthly income for your dependent children's school tuition and fees, ensuring continuity of their education.

Ideal for

People responsible for their family who want total peace of mind.

Interested?

Write to us and an advisor will get in touch.

Request more information
Requirements to get it

Requirements to obtain it

Requirements for the Comprehensive Home Insurance.

Membership as a partner

  • Original valid national ID card (or foreigner ID for non-Colombians).
  • Be of legal age (18+) to hold the product.
  • Fill in the single INOVACOOP membership form.
  • Personal-data handling authorization (Law 1581/2012).
  • Authorization to consult and report to credit bureaus.
  • Payment of the minimum membership social contribution.

General insurance requirements

  • Valid ID of the policyholder and insured (if different).
  • Insurance application form filled and signed.
  • SARLAFT form and source-of-funds declaration.
  • Payment of the initial premium (monthly, half-yearly or yearly).

Home documentation

  • Address and description of the property to insure.
  • Deed or current lease agreement.
  • Updated commercial appraisal of the property.
  • Detailed inventory and unit value for high-value contents.
Documents must be current and original. INOVACOOP may request additional information based on credit or risk analysis for the product.