Life Insurance and Personal Accident with Disability

Death from Any Cause
Guarantee payment of the sum insured (SI) to recipient whatever the “cause of death”, since individual coverage is valid.

Total Permanent Disability by Functional Disease
It is the anticipation of the payment of compensation on the basic guarantee in case of permanent total disability resulting from disease. It is considered that total disability due to illness for which one can not expect recovery or rehabilitation with therapeutic resources available at the time of its finding and that the insured becomes unable to perform activity which occasioned her remuneration or profit.

Special Compensation for Accidental Death
Guarantee payment of the sum insured (SI) to the injury recipient, provided that individual coverage is in force, plus the guarantee capital of a natural death when the card-proposal includes this coverage.

Partial or Total Permanent Disability by Accident
It is the guarantee of the payment of an indemnity proportionate to capital contracted for this coverage. Indemnity concerning the loss, reduction or permanent functional disability, total or part of a limb or organ, due to injury caused by an accident to be compensated according to the table of calculation for compensation in case of permanent disability. This coverage will always reintegrated whenever compensation for accidents is partial.

Personal Accident Insurance with Disability

Special Compensation for Accidental Death
Guarantee payment of the sum insured (SI) of the injury recipient, provided that individual coverage is in force, plus the guarantee capital of a natural death when the card-proposal includes this coverage.

Partial or Total Permanent Disability by Accident
It is the guarantee of the payment of an indemnity proportionate to capital contracted for this coverage. Indemnity concerning the loss, reduction or permanent functional disability, total or part of a limb or organ due to injury caused by accident, to be indemnified under the table of calculation for compensation in case of permanent disability. This coverage will always reintegrated that are partial compensation for accidents.

Funeral Family Basic / Total Funeral

FUNERAL ASSISTANCE: BASIC FAMILY / TOTAL FAMILY: through Central Call with the call 24 hours (0800.0552039) when death occurs, whatever the cause, will be provided all the necessary activities to the coffin without involving family in bureaucratic procedures and also of charge. This coverage will have its age limit as the sales table marketed to all insured persons, including the spouse or partner (a) and this extensive coverage to children and stepchildren up to 21 incomplete years of age, or 20 years, 11 months and 29 days. In TOTAL FAMILY, copper also parents and In-laws, with no age limit. THERE WILL BE NO REIMBURSEMENT OF EXPENSES.

Obs.

Basic Family: Start of validity will be the first day of the month following the second payment/ discount insurance.

Total Family: Start of validity will be the first day of the month following the sixth payment/ discount insurance.

FUNERAL AID: BASIC FAMILY / TOTAL FAMILY: When death occurs, any that is the cause, WILL BE PROVIDED THE REIMBURSEMENT OF EXPENSES, limited to the amount of R$ 3.500,00 / R$ 5.000,00 (BASIC FAMILY / TOTAL FAMILY) . This coverage will have its age limit as the sales table marketed to all insured persons, including the spouse or partner (a) and this extensive coverage to children and stepchildren up to 21 years of age incomplete, or 20 years, 11 months and 29 days. In TOTAL FAMILY also covers Parents and In-laws without limit age.

Obs.

Basic Family: Start of validity will be the first day of the month following the second payment/ discount insurance.

Family Total: Start of validity will be the first day of the month following the sixth payment/ discount insurance.

Department of Claims (desin@cabure.com.br) – phone +55 (51) 2108.5342 and 2108.5343

(business hours – 8:30 am to 17:30 pm)

Home Care 24h

The Home Care operates 24 hours through a toll-free central alarm system, with permanent care 24 hours a day, year round. The insured may communicate the need for the assistance contracted.

The service of this assistance covers external events, sudden, random and violent causing discomfort or damage to the insured and / or damage to property if they are caused by acts of vandalism, theft, robbery, fire, flood, lightning, explosions, rock slide, air crash, vehicle collision, windstorms, hail, bodily injury (due to the events listed above) which happen in the household residence.

Some services we provide:

– Medical indication;
– Locksmith Service;
– Security and surveillance;
– Cleaning;
– Temporary coverage of roofs;
– Hydraulics;
– Support of children;
– Pets care;
– Hotel;
– Maid;
– Information;
– Transmission of urgent messages;
– Electrician;
– Restaurant;
– Laundry.

* This assistance can only be purchased in conjunction with the Life Insurance Group and / or Personal Accident Collective.

Vehicle Support 24h

Vehicle Assistance 24h – Caburé (driver): emergency service 24 hours in order to provide emergency assistance for drivers of passenger cars or light commercial vehicles in unforeseen situations, such as:

– Electrical / mechanical problems;
– Vehicle Towing;
– Secure Parking;
– Dispatcher (accident or theft);
– Transportation to the vehicle occupants;
– Transportation to recover the vehicle;
– Transportation of Damaged Vehicle;
– Replacement parts;
– Substitute driver;
– Locksmith;
– Exchange of Tire;
– Dry Damage;
– Stay in a hotel;
– Return to the home.

Note: check limits and regulations in the insurance manual.

Whatever vehicle the Insured is driving, the service will be immediate. The vehicle does not need to be necessarily registered in the name of the driver.

* This assistance can only be purchased in conjunction with the Life Insurance Group and / or Personal Accident Collective.

Dental Care

Dental Care – Caburé provides full coverage in the following procedures:

– Consultations;
– Emergencies;
– Dentistry (fillings);
– Pediatric Dentistry (treatment of children);
– Periodontics (treatment of gum);
– Preventions;
– Surgery (performed in office), and
– Endodontics (root canal treatment).

Also offers discounts on orthodontic appliances and dentures. This benefit can be contracted for Spouse and Children of the Insured.

* This assistance can only be purchased in conjunction with the Life Insurance Group and / or Personal Accident Collective.

Daily Hospitalization – DIH

The Daily Hospitalization warrants to the insured the payment of a daily value of R$ 150.00, resulting in the event of hospitalization of the insured as a result of illness or accident, up to a limit of 365 days per event.

* This assistance will be contracted in conjunction with the Group Life Insurance and / or Personal Accident Collective.

Car Insurance

This insurance is intended to protect the assets of the insured (your vehicle), ensuring, to the amounts indicated in the policy, within the contracted coverage, compensation for losses directly resulting from the occurrence of the risks covered.

The Total Insurance protects against Fire, Theft and Collision, Third Party Liability (Personal and Property Damage caused to third parties) and, optionally, Personal Accident caused by the Passenger of the insured Vehicle and can be contracted with other coverages, in accordance with the accessories of the vehicle.

Phones: +55 (51) 2108.5336 / 2108.5399

E-mail: autore@cabure.com.br

Casualty Risks

This insurance is intended to protect the assets of the insured (your home, your business, your office, your boat, your hospital / clinic, your equipment and others), ensuring,up to the amount set out in the policy, compensation for losses directly resulting from the occurrence of risks covered.

For the case of residential insurance, basic coverage protects the property against fire, lightning, explosion, smoke, windstorm, and the optional coverages require the contracting of basic coverage and are provided according to the characteristics and analyzed, like electrical damage, loss / rent payment, accommodation expenses and change, windstorm, among other damages that the insured may suffer.

Phones: +55 (51) 2108.5336 / 2108.5399

E-mail: autore@cabure.com.br

Residential and Business Insurance

Thinking about the security of your assets (home, condominium and business venue), Caburé Insurance Group offers special services in order to protect your assets and your future.

For your safety and peace of mind, please contact us and make a quotation with no obligation.

Phones: +55 (51) 2108.5336 / 2108.5399

E-mail: autore@cabure.com.br

Damaged by Storms

Assistance for Damage Caused by windstorm – Caburé – covers damage to the insured residence directly damaged by windstorm and hail, which accounted for 30% (thirty percent) of the Natural Death coverage, limited to a maximum of R$ 30,000.00.

* This assistance can only be sold together with the Life Insurance and Personal Accident with Disability or Personal Accident Insurance with Disability.

It covers building and contents of habitual residence if it is owned by the insured, in the case of rental property, the insurance will cover only the content, i.e. the property of the insured, up to the limit of your sum insured.

This coverage is monthly, i.e. after the occurrence of an accident, the coverage will be immediately reintegrated.

Liability coverage Family

The Civil Liability Coverage Family Caburé guarantees repayment of the sums for which the insured were to be civilly liable by judgment or judgment passed in accordance with the insurer’s consent, concerning reparations for damage or injury caused to third parties involuntary as a result of actions omissions of himself, his spouse, minor children who are under their parental authority, his domestic servants and any person under its economic dependence and resides with him.

The Capital Insured represents 100% of the respective Residential Fire coverage.

* The Family Liability Coverage is part of the Residential Fire coverage.

* This coverage can only be purchased in conjunction with the Life Insurance Group and / or Personal Accident Collective.

Coverage Residential Fire / RCF

The Residential Fire Coverage – Caburé is bound to the Life Insurance contract, and the value of your Capital Insured amount equivalent to the value in the policy to cover Natural Death.

They are part of the main coverages: residential fire, lightning within the land area of the property and explosion of LPG (cooking gas) and compensable damages up to the limit of the Insured Capital contracted.

For the insurance of lightning and explosion of LPG, it should be noted that the event to characterize the accident should occur within the area of land on which the property is located or building where goods are insured.

It covers building and contents of habitual residence if it is owned by the insured, in the case of rental property, the insurance will cover only the content, i.e. the property of the insured, up to the limit of your sum insured.

This coverage is monthly, i.e. after the occurrence of an accident, the coverage will be immediately reintegrated.

Liability Coverage Family

The Civil Liability Coverage Family – Caburé, guarantees the repayment of sums for which the insured were to be civilly responsible for final sentence in trial or by agreement with the insurer’s consent, concerning reparations for damage or injury caused to third parties involuntary due actions or omissions of himself, his spouse, minor children who are under their parental authority, his domestic servants and any person under its economic dependence and who resides with him.

The Capital Insured represents 100% of the respective Residential Fire coverage.

* The Family Liability Coverage is part of Residential Fire coverage.

* This coverage can only be purchased in conjunction with the Life Insurance Group and / or Personal Accident Collective.

Weekly Giveaway

Sweepstakes are calculated based on the national lottery Extractions of Brazil, on Saturday of every month (excluding the 1st Saturday of the months that have five Saturdays), ordering up the numbers of units from the 1st to 5th prize.

The draws are limited to the amount of R$ 50,000.00 (fifty thousand reais), or as specified in the Certificate of Insurance, being deducted income tax and / or taxes levied or will focus on the prize.

* This Weekly Giveaway Plan can only be contracted in conjunction with the Life Insurance Group and / or Personal Accident Collective.

Daily Temporary Disability by Accident – DIT

The payment of an indemnity is guaranteed to the Insured, provided that it is covered under the limits established in the contract, the daily payment, in case of his or her removal caused exclusively by Personal Accident, which occurred during the term of Life Insurance, which shows proven need for temporary interruption and involuntary exercise of their professional activity for an uninterrupted period of at least fifteen (15) days or longer, according to the contract, upon proof by medical report, laboratory tests and reports of specialized tests recognized by the Insurer and obeying the maximum number of days.

Discount Drugs

The benefit of Discount Drugs – Caburé was created with the quality of life of the insured and their Families in mind.

Through an agreement made with a specialized company, major drugstore chains in Brazil were accredited, permitting discounts on medicines to provide a higher quality of life. Thus, all Insured customers that have this benefit can purchase their medications with great discounts on the best pharmacies in the country.

The Discount Drugs – Caburé provides about 25% discount on the amount of drugs that are prescribed by doctors and are included in the Reference List (The Insured to purchase this benefit, you will receive a Manual of Discount Drugs, which will include the updated Reference List ).

The Reference List features more than 820 medicines that cover 95% of disease (except oncology and AIDS). In this list, there are some generic drugs and these, for having a reduced cost, receive a discount variable less than the 25% forecast.

Accredited pharmacy chains have units in various cities of the country, and these provide cover mainly to cities of a greater population index.

Please visit www.epharma.com.br and get access to “Search Accredited Networks and Drug Administration.”

* This benefit can only be hired in conjunction with the Life Insurance Group and / or Personal Accident Collective.

Insurance Lender

Insurance that guarantees the holder to discharge a debt in the event of death from any cause or disability of the insured.

Protected Insurance Card (loss and / or theft)

Insurance that protects the holder and / or dependent Shopping Card not recognized by the client and in the period up to 72 hours before the ominous warning.

Protected insurance card with bag / Backpack

Insurance that protects the holder and / or dependent Shopping Card not recognized by the client and in the period up to 72 hours prior to the ominous warning, as well as the belongings in case of theft or purse theft / backpack to the limit.

Insurance Financial Protection

Insurance that guarantees the holder to discharge a debt in the event of death from any cause, disability, involuntary unemployment or physical disability (self-employed). This insurance is offered by the fragmentation of the invoice or total debt installment.

Insurance Financial Protection for Debt Repayment

Insurance that guarantees the holder to discharge a debt in the event of your death from any cause, disability, involuntary unemployment or physical disability of the insured ( autonomous).