Product of the coronavirus pandemic, the workers had to adjust to a new way of life. In addition, this includes an extra risk for those essential, whose presence on the ground becomes essential on a day-to-day basis. For this, The Government presented the Covid Insurance for workers, seeking to help those who cannot telecommute.
What is Covid Insurance for workers?
Teleworking was normalized in the last year as the most optimal form of production for those jobs that do not essentially require a field presence. However, not all or all have the privilege of be able to carry out their activities from home and must go to their positions physically.
Unfortunately, this implies a risk to those who mobilize during a time of pandemic, with a virus that is not controlled. Therefore, the Covid insurance for workers as an economic protection and as part of the Safe Return Law.
For the Covid Insurance to take effect, the employer, whether natural or legal person, must take out the insurance for all those workers who carry out work in person or in a mixed way, combining teleworking.
It should be noted that this insurance covers expenses in two specific cases. In the first instance, It covers the expenses in the event that an employee becomes infected with Covid-19 and requires hospitalization due to the severity of their symptoms. This will pay the difference between the health plan and the total cost of hospitalization. Also, this includes the possible expenses that are included in the subsequent rehabilitation.
A second situation occurs when an employee dies from being infected with Covid-19. In this case, the Covid Insurance for workers will be activated and will be counted as a life insurance equivalent to 180UF, around $ 50 million pesos.
It is the employer’s responsibility to send a copy of the policy to each of the workers to make the Covid Insurance effective. In addition, they have until July 4 to make the contract, risking millionaire fines and private payments in case any official needs this insurance.
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