Protect Your Team with Mandatory Workers' Compensation Insurance
Comply with the law and ensure the well-being of your employees from their first day on the job
Who is covered by this insurance?
Any individual or legal entity that hires workers in Costa Rica is legally required to insure them under an occupational risk insurance policy. This includes:
Private and Public Companies
Independent professionals with collaborators
Independent professionals with collaborators
What does the RT insurance coverage include?
Medical, Surgical, and Hospital Care
Medications and Rehabilitation
Payment for Temporary Disability Leave
Compensation for Disability or Death
Reimbursement for transportation expenses, prosthetics, and orthopedic devices
What types are there?
Occasional RT
A program that provides coverage for individuals hired on an occasional basis to perform maintenance work.
RT Home
A category that covers domestic, service, or maintenance activities in private residences, whether performed on a permanent or occasional basis
RT Special Feature: Dual Technical Training
A program designed for companies or training centers focused on employability that are part of the agreement on education or training under the dual system.
RT Construction
A program that protects people who perform construction work on the property.
RT Teen
Insurance plan for individuals between the ages of 15 and under 18.
RT Agrícola
A program that protects those who work in agricultural production
RT Harvests
A program that provides coverage for both workers and employers involved in crop harvesting.
RT General
A system to provide coverage for workers in all economic activities.
How is the price of workers' compensation insurance determined?
The rate associated with the economic activity being carried out is identified
That rate applies to the gross monthly wage paid to each insured worker.
Independent professionals with collaborators
What Our Customers Say
"I had an accident while cycling and ended up in the emergency room and had to undergo surgery on my collarbone. UNISERSE sprang into action immediately; they verified everything with the insurance company, helped speed up the admission process, and were always there for me, which fulfilled their promise to be by my side when I needed them."
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• Full name
• Phone number
• Email address
Backed by the country's leading insurance companies
Would you like more information? We're here to help.
Click here: +506-8647-3773
Hotline
Click here: +506-2519-4500
Click here: info@uniserse.com
Frequently Asked Questions
Is it mandatory to provide insurance for a temporary or daily worker?
Yes. From the first day of work—regardless of whether the position is full-time, part-time, temporary, or for specific services—every employee must be insured.
This requirement is set forth in the Occupational Hazards Act (Law 6727), the Labor Code (Law 2 of 1943), and the Occupational Health Regulations (Executive Decree 39408-MTSS)
What happens if I don't insure my employees?
You are exposing your company to legal penalties, business closures, and civil lawsuits.
What is an occupational hazard?
Article 195 of the Labor Code defines it as accidents and illnesses that befall workers in the course of or as a result of the work they perform in a subordinate and paid capacity, as well as the aggravation or recurrence of these risks.
What is a workplace accident?
Article 196 of the Labor Code defines a work-related accident as any accident that befalls a worker as a result of the work he or she is performing or as a consequence thereof, during the time the worker remains under the direction and supervision of the employer or the employer’s representatives. This includes accidents that occur while carrying out the employer’s orders or while performing a service under the employer’s authority, even if the accident takes place outside the workplace or outside regular working hours.
What risks are not covered?
Article 199 of the Labor Code states that the following circumstances do not constitute occupational hazards:
– Those caused intentionally or as a result of a painful incident involving the worker.
– Those resulting from the employee’s intoxication or the use of drugs, narcotics, tranquilizers, or stimulants.
Can I pay for insurance in installments?
Yes, depending on the program, we offer options for paying in installments every six months or every quarter using various payment methods.
My housekeeper is insured through the CCSS. Do I also need to insure her for workplace injuries?
Yes, every worker must be insured by both the CCSS and the Occupational Risk Insurance program, since they provide different types of coverage.
The CCSS provides coverage for health care, pensions, maternity leave, and sick leave due to common illnesses, while the Occupational Risk Program covers work-related accidents, occupational diseases, medical care resulting from occupational risks, and compensation for disability or work-related death.
Comply with the law and ensure the well-being of your employees from their first day on the job
Medical, Surgical, and Hospital Care
Reimbursement for transportation expenses, prosthetics, and orthopedic devices
Medications and Rehabilitation