Frequently Asked Questions
Do you have any questions?
Welcome to our Frequently Asked Questions section. Here, you'll find answers to the most common inquiries about our services and processes. Our goal is to provide you with all the information you need quickly and easily. If you can't find what you're looking for, don't hesitate to contact us directly for personalized assistance.
What to do in case of a scheduled surgery?
What to do in case of an unplanned surgery?
10 Steps to Request Your Reimbursement
Home insurance
Life insurance
What does an insurance broker do?
An insurance broker is a legal entity that acts as an intermediary between the client (the insured) and the insurance market. Their main role is to professionally and impartially advise the client, offering options that best suit their coverage needs. This intermediary is not influenced by any specific insurer, ensuring that the insured receives objective and specialized service.
What is an insurance company?
Insurance companies, also known as insurers, are financial institutions specialized in offering various protection products. These insurance policies are designed to cover individuals or businesses against risks that could affect their well-being, assets, or property.
Can I purchase insurance for both my business and my family at Ancora?
Of course! At Ancora, we specialize in providing protection solutions for both businesses and individuals and their assets. Our team will be happy to help you find the option that best suits your needs. You can reach us at [email protected] or call us at (55) 5523 1100.
What is the difference between Major Medical Expenses and Personal Accidents?
- Major Medical Expenses: Covers significant medical costs associated with serious illnesses and complex treatments, such as hospitalizations, surgeries, and specialized therapies. This insurance is designed to support long-term medical expenses.
- Personal Accidents: Provides protection in the event of injuries caused by sudden accidents, such as falls or car accidents. It includes compensation for disability and coverage of medical expenses related to the accident.
Major Medical Expenses covers a broader range of medical treatments, while Personal Accidents focuses specifically on unexpected events. The choice depends on your specific needs and the level of protection required.
Why am I charged a deductible and coinsurance?
- Deductible: This is the fixed amount that the insured must pay for each covered ailment, which is indicated on the policy face. This payment is made only once per event.
- Coinsurance: This is a percentage of the total cost authorized by the insurer that remains the responsibility of the insured after the deductible is covered. This percentage is also specified in the policy and, in many cases, has a maximum cap.
Both concepts vary according to the plan contracted and are explained in detail in the policy terms.
What are Major Medical Expenses and why do I need this type of insurance?
Major Medical Expenses are insurance plans designed to cover significant medical costs arising from illnesses or complex treatments. This type of insurance is essential to ensure access to quality healthcare without putting your finances at risk.
What is seniority recognition?
Seniority recognition is the amount of time an insurance company takes into account as part of your history when switching from one policy to another. This means that the time you've been insured is considered, eliminating waiting periods for certain illnesses or treatments. This benefit is key to maintaining continuity in your medical coverage.
Can I adjust my policy if my needs change?
Yes, you can adjust the coverage of your policy at any time, depending on your personal or business needs.
What documents do I need to purchase an insurance policy?
In general, you will need an official ID, proof of address, and, in some cases, recent medical exams or risk assessments.
Does Ancora offer international insurance?
Yes, we offer international coverage options to protect you while traveling or working abroad.
What happens if I can't pay my insurance premium on time?
There are grace periods established in your policy. It is important to contact us as soon as possible to avoid the cancellation of your insurance.
Do you need a quote or more information?
Please leave your contact details and we will get in touch with you.
