The Protection Plan insurance helps minimize the impact of unemployment or illness by providing compensation for income loss. In case of death or permanent disability due to an accident, compensation is provided up to the amount specified in the Particular Conditions.

The Payment Protection Plan minimizes the impact of unemployment or illness in the event of income loss, by ensuring the payment of the loan installment to which it is associated.

This is the time you have to wait to use your insurance coverage. It does not apply in the event of an accident.

Absolute temporary incapacity for work (illness or accident) and involuntary unemployment

Payment is made after 30 days, covering eligible expenses for up to 6 months. Once regular activity resumes, new compensation can be requested 6 months after the last medical consultation or treatment related to the prior incapacity.

Involuntary unemployment (employees)

Payment is made after a period of more than 30 days, with reimbursement of expenses covered for a maximum of 6 months.
After returning to regular activity, new compensation can be requested after 6 months of permanent full-time employment.

Hospitalization (self-employed workers)

Payment is made after a period of more than 7 days, with reimbursement of expenses covered for a maximum of 6 months, after which coverage for temporary total disability for work can be activated for 11 months.

Temporary total disability for work (due to illness or accident) for a period longer than 30 days

The loan installment is reimbursed for up to 12 months. There must be a mandatory period of six months of active work between the last compensated day of a claim and a new occurrence.

Involuntary unemployment (for salaried employees) for a period longer than 30 days

The loan installment is reimbursed for up to 6 months. There must be a mandatory period of six months of active work between the last compensated day of a claim and a new occurrence.

Hospitalization (for self-employed workers) for a period longer than 7 days

The loan installment is reimbursed for up to 1 month. After this, the temporary total disability for work coverage may be activated for up to 11 additional months. There must be a mandatory period of six months of active work between the last compensated day of a claim and a new occurrence.

Submit your claim as soon as possible, ideally on the same day or the next, but no later than 8 days after the accident. The sooner you report it, the faster Ocidental can resolve the situation.

You must go to a branch and fill out the claim report. In addition, you must submit some documents required for the claim analysis.

You must report the claim as soon as possible, considering the waiting period and the coverage activation terms.

Absolute temporary incapacity for work:

• Photocopy of reports of additional diagnostic tests;
• Photocopy of the Hospital Discharge Note Report
  (Documents must be attached to the claim report, if available);
• Photocopy of the Dismissal and Renewal Bulletin
  (must be sent to Ocidental whenever you complete more than 30 days of incapacity);
• Photocopy of invoices/receipts of expenses debited in the account relating to the period of incapacity
  (for the Salary Protection Plan and the Expenses Protection Plan, the document must be sent monthly for reimbursement to Ocidental);
• Photocopy of tax return
  (Document must be sent every month in the case of Temporary Insurance or Monthly Income Protection).

Death compensation:

• Death certificate;
• Heir Qualification Certificate, whenever there are no designated beneficiaries. Certificate of the complete copy of the birth record, whenever there are minors;
• Autopsy report and results of toxicological blood tests and Police Report if death results from a road accident;
• A declaration from the Transport Company stating that the vehicle was on public transport service (whenever the claim is due to a public vehicle).

Permanent disability compensation:

• Medical report with the injuries suffered and the degree of devaluation of the permanent disability assigned based on the Personal Accidents devaluation table that is part of the General/Special Conditions of the Personal Accidents branch;
• Report of Occurrence whenever the accident is due to a road accident.

Unemployment:

• Photocopy of DGSS Model RP 5044
  (provided to the worker by the employer for Unemployment Subsidy application);
• Declaration from the Employment Center where you registered proving your registration
  (this document must be claimed at the Employment Center 30 days after the Unemployment start date and sent monthly to Ocidental);
• Written notice indicating the date you started your activity at the last company;
• Copy of the Employment Contract and Termination Letter.

Temporary total disability for work:

Salaried employee:

• Detailed medical report
• Copies of diagnostic test reports
• Copies of sick leave forms and renewals
• Proof of active employment at the time of the incident

Self-employed worker:

• Hospital discharge report
• Copies of diagnostic test reports
• Hospital/clinic document indicating the hospitalization period
• Copy of the most recent income tax return (Model 3) and proof of active professional activity at the time of the incident

Involuntary unemployment:

Salaried employee:

• Copy of unemployment status declaration (Model RP 5044)
• Proof of unemployment benefits application
• Copy of the employment contract and termination letter
• Declaration confirming registration as unemployed at the Employment Center (with at least 30 days elapsed since the unemployment date)

Self-employed worker:

• Not applicable