Identity and supervision
The regulator lists MNK among insurers offering occupational risk insurance and expressly identifies the name change. This connects the current brand with historical Oceánica documents without double-counting operators. Membership of an international group does not make every group product a Costa Rican compulsory occupational risk policy.
Scope of RT coverage
The product concerns accidents and diseases caused by work or working conditions. Its webpage discusses employer instructions, remote working and activities outside Costa Rica, subject to the applicable rules. These references must be read alongside policy terms and legislation; they do not mean every journey or personal activity is insured.
A tiered medical model
MNK describes a first level for injuries managed through general medicine, a second for specialist assessment or investigations, and a third for more complex care, hospitalisation or surgery. These tiers explain the intended care pathway. Clinical need and case coordination govern treatment; the description is not a guarantee of a particular medical outcome.
Workplace primary care clinics
The Consultorio Laboral de Atención Primaria programme, or CLAP, supports employer clinics and links them to the insurer’s platform for assessment and follow-up. The website also offers on-site care for minor events, subject to geographic availability. These services should not be described as owned facilities at every workplace or unrestricted availability for every insured worker.
Prevention and policy documents
The product page links to prevention and training resources, the Cumplimiento y Mejora Continua programme and insurance conditions. Incentives have their own participation requirements. Insurance addresses occupational events, while employers remain responsible for prevention and accurate activity and personnel records. Reporting and healthcare should be coordinated through the insurer’s applicable procedures.
Frequently asked questions
Are Oceánica and MNK separate RT options?
SUGESE identifies Oceánica as MNK Seguros’ former name. The naming change does not justify counting them as two separate current insurers.
Is on-site care available everywhere?
The product page makes it subject to geographic availability and associates it with minor events. Its applicability needs to be established for the particular case.
