SCTR Y
LIFE LAW

SCTR Y
LIFE LAW

At Birlik Insurance Brokers, we understand that taking care of your team is essential. That is why we want to talk to you about SCTR insurance, a fundamental tool to protect your employees and your business. Discover how complying with this legal obligation can be simpler and more beneficial than you imagine. Ensure their well-being and keep your company on the path to success with us! SCTR insurance is a mandatory insurance that must be contracted by employers who carry out high-risk activities for their workers, according to Law No. 26790. These activities are listed in Annex 5 of Supreme Decree No. 003-98-SA and include sectors such as mining, construction, fishing, the chemical industry, among others. SCTR insurance provides two types of coverage: SCTR Health and SCTR Pension.

SCTR Health covers comprehensive medical care for workers who suffer occupational accidents or professional illnesses, including consultations, tests, medications, hospitalization, surgeries, rehabilitation, and prosthetics. SCTR Pension covers disability and survivor pensions, as well as funeral expenses, in case the worker becomes incapacitated or dies due to their work activity.

Employers who fail to contract SCTR insurance for their workers are exposed to administrative and criminal sanctions. According to the National Labor Inspection Superintendency (SUNAFIL), fines for not having SCTR insurance can range from 0.5 to 10 UIT (Tax Unit), depending on the number of affected workers and the risk level of the activity. Additionally, under the Penal Code, employers who fail to contract SCTR insurance can be charged with the crime of exposure to danger, punishable by imprisonment of no less than two years and no more than five years.

It is important for employers to comply with contracting SCTR insurance to protect the health and well-being of their workers and to avoid legal sanctions.

Frequently Asked Questions:

What activities are considered high-risk according to Law No. 26790 and require SCTR insurance?
What are the specific coverages of SCTR Health and SCTR Pension?
What is the penalty for not contracting SCTR insurance for my workers?
Are there customized options for contracting SCTR insurance based on my company's needs?
How can I ensure that my workers are adequately protected with SCTR insurance?
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According to the law, activities such as mining, construction, fishing, chemical industry, and others are considered high-risk. It is important to verify if your labor activity is included in Annex 5 of Supreme Decree No. 003-98-SA to determine the obligation to contract SCTR insurance.

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SCTR Health covers comprehensive medical care in case of work accidents or occupational diseases, including consultations, tests, medications, hospitalization, surgeries, rehabilitation, and prosthetics. SCTR Pension covers disability and survivor pensions, as well as funeral expenses, in case of incapacity or death due to work-related activities.

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Penalties for non-compliance with SCTR insurance can range from 0.5 to 10 UIT (Tax Unit), depending on the number of affected workers and the risk level of the activity. Additionally, employers may be charged with the crime of exposure to danger, punishable by imprisonment.

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Yes, you can choose SCTR insurance plans that fit your company's needs, considering the number of workers and the risk level of the activity. This allows you to comply with legal obligations efficiently and beneficially.

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The key is to have a reliable insurance broker, such as Birlik, who can guide you in choosing the best SCTR insurance option and provide the necessary support to ensure the protection of your workers and legal compliance.


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