The brand and individual contracts
MAPFRE markets several insurance products in Peru. This entry concerns SCTR and does not automatically assign its obligations to every group entity. The published health contract identifies the EPS, while pension coverage has separate documentation. The common brand identifies the offering, but the issuing entity and product establish the contractual relationship.
Healthcare, recovery and rehabilitation
The SCTR Salud contract provides medical, pharmaceutical, hospital and surgical care for occupational harm, rehabilitation and necessary prosthetic or orthopaedic appliances. It separates this coverage from cash benefits. Care is organised through owned or third-party facilities according to the conditions and case arrangements, with specific rules for emergencies.
Pensions and evidence of entitlement
The SCTR Pensión page explains disability, survivors and funeral benefits. Required documents vary: some benefits need medical and earnings records, while others require evidence of death and beneficiary status. This explains why a healthcare file does not necessarily contain all the information needed to determine a financial claim.
Prevention and vocational readaptation
The published offering includes safety and industrial hygiene training, support for prevention plans, information materials and an online prevention system. It also describes readaptation and support for reassignment or return to work. These services must fit the job and case; they do not guarantee a particular return-to-work outcome or certify complete employer compliance.
Managing events and employer duties
Institutional procedures distinguish accident notification, healthcare coordination and benefit applications. Information about the employer, worker and injury helps direct the response. Coverage requires appropriate records and declarations. Controlling exposures and preventing further events remain part of the employer’s occupational safety and health management.
Frequently asked questions
Does the SCTR health contract also pay pensions?
The published healthcare contract excludes cash benefits. Pension benefits require the relevant component and its own procedure.
Do the medical network and prevention programme serve the same purpose?
No. The network provides care; prevention services support risk management before harm occurs. Their functions may interact but are not interchangeable.
