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July is a highly anticipated period as bonuses are deposited on bank cards, and with them the increase in the consumption and use of credit cards and debit which exposes users also to criminals.
The director of BancaSegura and retail of Rímac Seguros Giselle Larco, warned that the most frequent losses suffered by people with their bank cards are: the cloning of cards the theft of money extracted from the ATM and the misuse of credit and debit card
In this context, the executive recommended users to evaluate the possibility of acquiring card protection insurance offered by the banks to protect them against possible losses. Then Rímac Seguros shows you the seven reasons why you should secure your cards:
1. Theft of money withdrawn from ATMs
It is common to see many flight techniques as the modality of "cambiazo" which consists when a third party visualizes the key of his card, then the exchange immediately against another. Therefore, this coverage is of vital importance, proof of this, the Rimmac portfolio reported that this type of loss reaches 19%.
2. Misuse of the Credit and Debit Card
This cover covers you when a third party commits fraud or embezzlement through your cards after committing a theft or removal. But it also applies following a loss of card provided that the conditions of the policy are met. The misuse of bank cards is frequent and represents to date 35% of the type of claims presented.
3. By Fraudulent Purchase Via the Internet
With the advancement of technology, the proliferation of fraud increases every time on the Internet, so in addition to recommending you never to click on links in emails asking for personal information you must present that your insurance must have this coverage.
4. By accidental death or total and permanent disability
Often, it is not enough for thieves to appropriate only a few material possessions, but in many cases they apply violence that can put you in a serious state of health .
Therefore, make sure your coverage covers accidents such as disability, or even death due to theft, misappropriation of credit card and debit card.
5. For the protected purchase
This cover covers products purchased with credit cards by the insurance contractor and accounts within the territory of the Republic of Peru.
6. It covers medical expenses
If, as a result of a theft or embezzlement of your bank cards, you have sustained serious physical injury, to the point of requiring you to an urgent hospitalization, the insurer will pay the daily amount of medical expenses, medications and specialized examinations during hospitalization.
7. Legal Assistance in Case of Fraud
The biggest card frauds are usually presented when shopping online.
Therefore, if you are a victim of this accident, you must keep in mind that supported by a legal and extrajudicial defense in case of fraud for loss, theft, theft of the card. identity and debit and credit cards.
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