Wednesday, 18 January 2006 00:00

Since 1990 INS has been selling a medical insurance policy sometimes called “Plan 16”, and other times “Seguro de Gastos Médicos del INS”.  A lot of people from the foreign community have obtained this type of coverage – individually, or through the Canadian Club, the American Legion, the ARCR, and other groups.

Monday, 05 December 2005 00:00

Insurers offer Roadside Assistance with their Auto policies. If you buy complete coverage, it comes free. If you  don´t need complete coverage, you can buy Roadside Assistance for a small premium. Our long-standing insurer,  INS, has been offering their roadside plan, “INS Asistencia”, since the end of 1998 -  and it is a success.

Monday, 11 April 2005 00:00
Tuesday, 11 November 2003 00:00

A few days ago, my favourite fictional client, Mrs Pendragon, arrived at my office.  She parked her chinless husband, Willy, in the foyer, staring vacantly into space, sniffed the coffee pot disapprovingly, and sailed past the windmilling receptionist into my inner sanctum.

Monday, 11 August 2003 00:00

Many insurance policies written in this counrty are in Colones, our local currency, which some treasonous people refer to disparagingly as “funny money” or “Monopoly money.”  As we are all painfully aware, the Colón is a “soft” currency and it goes down in value most of the time. With each mini-devaluation,  insurance policies expressed in Colones become less and less effective. Following is an analysis of the effect of devaluation and inflation on several different types of policy.

Monday, 11 November 2002 00:00

Oswaldo Bandini (a fictional name) called me up a few days ago to say that there had been a break-in at his home, and how should he go about making the insurance claim on his Homeowners’ policy?

Friday, 11 October 2002 00:00

IAt the time of writing, mid 2011, the there are several types of GROUP MEDICAL policies available, but the only insurer offering individual policies is lNS, which sells several types of Medical insurance.  Following is a summary of the inexpensive Colón-based Medical policy, known as “Plan 16”, which has been sold since 1990 with relatively few changes.

Sunday, 11 August 2002 00:00

It has been several years since INS made any changes to the Auto insurance policy – except to apply Sales tax and raise premiums.  They have now started a new trend (fingers crossed, here!) by making some improvements to the policy, and at the same time they REDUCED the premium! And the premium reductions are not just marginal – on an average policy, (car, with Liability, Collision and Theft) the reduction is a tad over 20%.

Monday, 11 March 2002 00:00

Webster’s Dictionary defines LIABILITY as “The quality or state of being liable.” So what is LIABLE? Per Webster, it means “Legally obligated, responsible.”

Wednesday, 11 April 2001 00:00

In Costa Rica the Labor Law says that all employers must ‑ repeat MUST ‑ protect their employees with two different kinds of coverage:

 a. Social Security, known in Spanish as Seguro Social and colloquially as "la Caja", which provides the employee and the employee's dependents protection for  sickness, pregnancy, dental care, etc.

b. Workers' Compensation, which is known as Riesgos del Trabajo, protects the employee against work‑related accidents.

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The opinions and viewpoints expressed are those of the writer.For more information, please contact David Garrett at 2233 9520 or Our purpose is to give the reader a better understanding of insurance in Costa Rica.

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