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Educación

¿Qué es un Seguro Educativo? La Comisión Nacional para la Protección y Defensa de los Usuarios de Servicios Financieros (Condusef) define al seguro educativo como un instrumento financiero, de supervivencia del menor, en el que durante determinado tiempo el padre, madre o tutor paga una prima (cantidad mensual, trimestral, semestral o anual) y el beneficiario recibirá al cumplir 15, 18 o 22 años, una suma asegurada para continuar sus estudios.

Seguro Educativo

Es un plan a través del cual garantiza un capital que ayudará a pagar la educación universitaria o de posgrado de sus hijos además de brindarle protección por Fallecimiento o Invalidez. Puede asegurar a otra persona que tenga como interés común la educación del menor asegurado mediante la opción mancomunada. Tiene la opción de elegir la edad en la que el menor recibir el beneficio, ya sea a los 18 - 22 años además del tipo de moneda a contratar: nacional, dólares americanos o udis, entre otros beneficios. Contiene básicamente tres componentes: Ahorro. Son las aportaciones periódicas denominadas primas para alcanzar la suma asegurada. Seguro. Cubre el riesgo contra invalidez o fallecimiento de los padres o tutores, el cual podría afectar el cumplimiento de la meta. Inversión. El ahorro acumulado crece con el tiempo para que no