What the product insures
Crecer’s official product information places SCTR among the insurance requirements for activities designated as high risk under Peruvian regulations. It addresses financial consequences of occupational harm. The insurance requirement depends on legally covered activities and exposures, rather than only industries that appear intuitively dangerous, and does not extend unconditionally to every accident.
Disability, survivors and funeral expenses
Coverage includes disability benefits, pensions for eligible beneficiaries following an occupational death, and funeral reimbursement within the applicable limit. These are distinct benefits with their own evidence and criteria. The insurer explains that disability assessment and substantiated remuneration are relevant to determining the benefit applicable to a case.
Declaring insured workers
The product identifies an insured worker through the policyholder’s declaration. Payroll information, activity and policy period are therefore material elements of insurance administration. Accurate records connect a potential claim to the coverage issued. Purchasing a policy should not be assumed automatically to include everyone involved in a project.
Notification and supporting evidence
The website provides guidance on notifying an event and requesting benefits. Depending on the benefit, records include medical certificates, information on temporary incapacity subsidies and remuneration evidence. These serve different purposes: establishing facts, consequences, earnings or beneficiary status. Submitting a claim begins assessment; it does not guarantee an award.
Healthcare and prevention have separate roles
SCTR Pensión does not replace SCTR Salud, which addresses the healthcare component. Nor does it replace the employer’s statutory duty to prevent occupational risks. Complete management distinguishes medical coverage, financial coverage, worker declarations and controls on the work itself before harm occurs.
Frequently asked questions
Does Crecer pay every SCTR medical bill directly?
The verified offering is SCTR Pensión. Medical coverage belongs to SCTR Salud and must be identified separately.
Is a survivors pension payable to any relative?
No. It concerns beneficiaries meeting the applicable eligibility rules and requires evidence supporting the entitlement claimed.
