faq

Español English

true true

Have questions about AMEX Account Protector Ultimate? We have answers!

Have questions about PlusCare protection program from Popular? We have answers!

COVERAGE
BENEFITS
FILLING A CLAIM
CANCELLATION

COVERAGE

What is PlusCare?
PlusCare protects you in case you are hospitalized, suffer a broken bone caused by an accident or dismemberment. It also includes a coverage that provides financial relief to your beneficiaries in case of accidental death, among other benefits.
Learn more by reviewing the Coverage Summary section.
Who is the underwriter for this insurance?
Caribbean American Life Assurance Company (CALAC) is the underwriter of this coverage. CALAC, their subsidiaries, and affiliates carry on business in Puerto Rico under the name of Assurant^®.
How do I enroll?
Enrolling online is easy! Visit the Enrollment Section of this website to review the product details. Then complete the online application.
I am enrolled in this program – is my spouse covered too?
This optional insurance coverage is limited to individual coverage.
How do I know if I am eligible for PlusCare?
To be eligible, you must be at least 18 years old and less than 69 years old, and live in Puerto Rico. Also, you must have a deposit account or credit card from Popular.
Are there any health questions or a medical exam required to enroll?
There are no health questions or medical exams required to determine eligibility.
How much does this insurance cost?
Visit the "Cost of Coverage" section to learn more.
How do I pay for PlusCare?
Your fixed premium will be charged to your selected Popular credit card or deposit account and appear on your monthly statement.
What if I miss a premium payment?
You have a grace period of 31 days after the due date for the payment of any premium. To receive insurance benefits, your premium payment must be up to date. After the 31-day grace period, your policy will be canceled, and you will not be able to receive benefits.
When does coverage begin?
If you enroll in the program between the 1st and 10th of the month, the effective date is the 1st of the current month. If you sign up for the program between the 11th and the 30th or 31st of the month, the effective date will be the 1st day of the next month.
I enrolled in PlusCare online and was approved. What happens next?
A welcome package containing your Certificate of Insurance and Product Summary page will be mailed to the address we have on file for you.
Why was my application for PlusCare denied?
Your application may have been denied because you did not meet our eligibility requirements or because you already have coverage.
How do I update my personal information (address, beneficiary, etc.)?
We offer you different options so you can request to update your information securely:
- Sending an email to:
- Sending a letter by mail to:
- By calling:
If I am enrolled in PlusCare, when does this coverage end?
Your insurance coverage automatically ends at the earliest of the following dates:
- The date on which the policy is terminated;
- The date after the grace period has lapsed;
- The date on which you turn 75;
- The date of your death;
- The date on which Popular closes your account, cancels your card, or withdraws your rights and privileges on your account; or
- The date on which we receive your request to cancel your insurance coverage

BENEFITS
BENEFITS

What is the daily hospital cash benefit?
If you’re hospitalized due to an illness or accident covered under this policy, you will receive a daily benefit up to a maximum of $100.00. The benefit will be paid commencing on the fourth day of confinement for up to 60 days (not necessarily consecutive) with respect to any one (1) event of Injury.

What is the broken bone benefit?
PlusCare provides you with up to $8,000 in case of suffering a bone fracture due to an accident. We will pay the percentage applicable to the type of fracture, pursuant to the benefits table. For details of types of fracture and benefits, access the Certificate of Insurance

What is the accidental dismemberment benefit?
In the event you suffer an injury from a covered accident resulting in a loss of a limb or vision, you could receive up to $7,000.
Two or more limbs or loss of vision in both eyes: the principal amount of the benefit
One limb or loss of vision in one eye: half of benefit

What is the rehabilitation benefit?
You could be reimbursed up to $7,000 for expenses incurred in medical treatment, supplies, or services, such as rehabilitation therapy, due to an accidental dismemberment. You may receive this benefit up to two (2) years from the date of the accident that caused the dismemberment.

What is the accidental death benefit?
Your beneficiaries will receive up to $100,000 if you die in a covered accident.

What is the final expenses benefit?
In the event you die because of a covered accident, your beneficiaries will receive up to an additional $7,000 to help cover funeral expenses.

BENEFITS TABLE
Benfits Plan 1 Plan 2 Plan 3
Hospitalization $50 daily (starting on day 4) $75 daily (starting on day 4) $100 daily (starting on day 4)
Bone fracture Up to $2,500 Up to $5,000 Up to $8,000
Accidental dismemberment Up to $1,500 Up to $3,500 Up to $7,000
Rehabilitation Up to $1,500 Up to $4,000 Up to $7,000
Accidental death $50,000 $75,000 $100,000
Final Expenses $1,500 $3,500 $7,000

FILLING A CLAIM
FILLING A CLAIM

How do I file a claim?
We offer you different options for safely submitting your claim.

By calling:
1-800-981-8888, Monday through Friday 8:00 A.M. to 5:00 P.M.

By sending a letter by mail to:
Assurant
PO Box 195167
San Juan, PR 00919

Your information will reach us safely and quickly regardless of the way you file the claim.

How can I check the status of a claim?
Please visit the claims portal to check the status of a claim.
If I have a question or concern about my claim or the insurance coverage, who should I contact?
You can check the status of a claim by visiting the claims portal If you have any additional questions or concerns, please contact Assurant.

CANCELLATION
CANCELLATION

Can I cancel my coverage at any time?
PlusCare is an optional program and can be cancelled at any time. The Insurance Code requires that you notify us in writing your interest in canceling the policy. Please also include your full name, address, product you wish to cancel and certificate or policy number. You can send us the letter

By email:
credito@assurant.com;

By mail:
Assurant
PO Box 195167
San Juan, PR 00919

Benfits	Plan 1	Plan 2	Plan 3
BENEFITS TABLE
Hospitalization	$50 daily (starting on day 4)	$75 daily (starting on day 4)	$100 daily (starting on day 4)
Bone fracture	Up to $2,500	Up to $5,000	Up to $8,000
Accidental dismemberment	Up to $1,500	Up to $3,500	Up to $7,000
Rehabilitation	Up to $1,500	Up to $4,000	Up to $7,000
Accidental death	$50,000	$75,000	$100,000
Final Expenses	$1,500	$3,500	$7,000