Life and accident insurance for students

Case Amount
Life (Death from any cause) $ 1.000,00
Accidental death $ 1.000,00
Total and permanent incapacity $ 1.000,00
Accidental dismemberment $ 1.000,00
Accident medical expenses $ 1.300,00
Accident ambulance costs $ 200,00
Daily rent for hospitalisation (up to 10 days $ 45 per day) per accident $ 450,00
Burial costs for death from any cause $ 600,00
Deductible for accident-related medical expenses $ 20,00
Hospitalisation income deductible 1 day
Hospital credit card Yes
Dental care Yes

- Medical costs: $ 15.00
- Hospitalisation income: 1 día

Notification of claims.- 60 working days after the date of the incident.

Insurance image

Death from any cause or accidental death and burial

  • Claim form duly completed, signed and filled in.
  • Original death certificate.
  • Copy of birth certificate or copy of identity card of the deceased.
  • Autopsy protocol if applicable.
  • Report and Certificate from the treating physician(s) if applicable.
  • Actual possession of assets in the absence of a declaration of beneficiaries.
  • Police report, if any.
  • Report of the removal of the corpse.
  • Medical history of the insured or epicrisis if applicable.
  • Certificate of burial and entombment.
  • Birth certificate or identity card of the beneficiary.
  • Original invoice for funeral expenses.

Medical expenses

  • Claim form duly completed, signed and stamped by the insured institution (attached in pdf).
  • Copy of the student's identity card.
  • Copy of the identity card of the representative or of the person in whose name the payment will be issued.
  • Invoices from the clinic and/or hospital (originals) with the respective breakdown.
  • Invoice from pharmacies (originals).
  • Invoice of medical fees (originals) with the respective report of the procedure(s) performed.
  • Medical prescriptions (originals).
  • Doctors' orders for examinations and results.
  • Invoices for examinations carried out (originals).
  • Copy of medical history or form 008, progress notes, operative protocol, anaesthesia record, X-ray and report, examination results and other images.

Accidental dismemberment

  • Complaint form (company form).
  • Copy of birth certificate or copy of identity card.
  • Medical certificate from the Ministry of Public Health.
  • Report and certificate from the treating physician detailing causes and dates of the complete and definitive dismemberment or functional disability of the injured organ or limb.
  • Clinical, radiological, histological and laboratory information.

Funeral expenses

  • Claim form duly completed, signed and filled in.
  • Original death certificate and/or death book.
    Original invoice (essential) of the expenses covered by the funeral. Original invoice (essential) of the expenses covered by the funeral. Note: Payment will be made in accordance with the terms and conditions of the policy.

Eva Ruth Gomez Ponguillo
egomez@uteq.edu.ec