No. Prointel is an independent insurance broker. This means we help you choose among various insurers in the market and accompany you before, during, and after taking out your insurance, especially when you have a claim. The insurer is the one that issues the policy and pays; we are your advisor and representative.
The insurer issues the policy, assumes the risk, and pays the claims. The insurance broker (Prointel) advises you in a personalized way, helps you choose the right policy, and accompanies you throughout the entire process. You can think of us as your ally and translator of the insurance world.
No. Prointel does not charge you for advising you. What you pay for your insurance is exactly the same whether you take it out directly with the insurer or through Prointel. The difference is that with us you have support, personalized advice, and representation before the insurer.
Prointel has a presence in Guatemala, Honduras, El Salvador and Costa Rica, with a network of partners in other countries in the region. If you need support in more than one country, we can coordinate it in an integrated way.
We serve both: individuals and families looking for health, life, auto and other insurance; and companies of different sizes that need more complete insurance programs, including construction and erection projects.
We ask you a few questions about your situation (family, work, business, priorities) and, based on that, we offer you clear, comparable options, explaining what products are available, how much they cost, and in which cases one option is more advantageous than another. Our goal is for you to understand what you are signing up for.
More than 15 years in the market, with a management team that brings together over 35 years of combined experience in insurance, risk, and claims management. Prointel maintains sustained annual growth above 20% and a portfolio renewal rate of 96%.
We work with several insurers in the market, selected for their strength and quality of service. This allows us to compare options and recommend the one that best fits your needs and budget.
Prointel handles your personal information with strict confidentiality and in accordance with the applicable regulations in each country where we operate. We only use your data to manage your policy, process claims, and keep you informed about your coverage. See our Privacy Policy for more details.
It is the document that formalizes the insurance contract. It includes your details and those of the insurer, the characteristics of the insured asset, what is covered, what is NOT covered, the sums insured, the deductible, and other important conditions. At Prointel we help you read it and understand the key points.
The deductible is the portion of the expense you pay when you have a claim, before the insurance begins to cover. Example: if your deductible is Q2,000 and the expense is Q10,000, you pay Q2,000 and the insurance pays Q8,000 (if everything is covered and excluding statutory taxes).
It is the percentage of the loss that you pay as a condition for the insurance to cover the rest. Example: with 20% coinsurance and an expense of Q10,000, you pay Q2,000 and the insurance pays Q8,000 (less deductible, copays and stamp taxes).
It is a fixed amount you pay when using the insurer’s provider network. Example: if the visit costs Q300 and your copay is Q75, you pay Q75 and the insurance covers the rest. If there is also a 25% coinsurance, you could pay an additional percentage on the remaining amount.
These are the situations that the insurance expressly does NOT cover. It is essential to know them before purchasing. At Prointel we explain the most relevant exclusions of each product in plain language.
It depends on the type of insurance, but we usually need: your personal or company details, the age(s) of the people to be insured, the type of coverage you are interested in, and in some cases information about the asset to be insured (vehicle, property, machinery). With that, we prepare options and explain them to you.
Yes. You can appoint us as your insurance broker without needing to cancel your policy. We review your current conditions, explain what you have and what you are missing, and support you from that point forward.
Before your policy expires, Prointel will contact you to remind you about the renewal, review whether the coverages are still adequate and present you with options. If the date is approaching and we have not contacted you, write or call us.
In many cases yes, but some policies have minimum terms or special conditions. There may be adjustments to the refund amount depending on the time elapsed. Contact us to review your specific case.
In many cases yes: you can increase or decrease coverages, add or remove dependents, and adjust sums insured. However, some changes are only allowed on certain dates or require the insurer’s approval. We help you review what is possible and when.
Premiums are generally paid at the insurers’ offices, although Prointel offers a reminder and collection management service. Payment methods vary depending on the product and the company. When your policy is issued, we send you the payment instructions. Write to us if you have any questions.
Payment options vary depending on each insurer and product. Some accept credit cards and, in certain cases, payment in installments. Check with your Prointel advisor which alternatives are available for your specific policy.
Your insurance must be current in order to respond to a claim. If you fall behind, the policy may go into temporary suspension or be canceled. At Prointel we help you keep track of dates and payments, and we notify you when renewals are approaching.
In Guatemala the legal minimum age is usually 17. Generally there is no maximum age to be a policyholder, although there may be one for accessing certain coverages depending on the conditions of each policy. Tell us about your situation and we will let you know the available options.
Yes, although some coverages have specific conditions for people in certain age ranges. There are also policies designed specifically for seniors. Contact us to review the options available based on your profile.
The most important thing is to contact us as soon as possible. At Prointel we offer 24-hour support backing the insurers’ emergency services. All policies require that notice be given as soon as possible. We accompany you step by step: what documents you need, where to go, who to call, and how to follow up.
You can do so by calling your Prointel advisor directly, contacting our service phone numbers or WhatsApp, or, in the case of auto and health, using the insurer’s emergency numbers. We will guide you on what information and documents you need, whether you must go to a specific provider, and how to follow up until resolution.
Generally: original hospital or physician invoices, prescriptions and medication invoices, lab results or test reports, and the insurer’s claim form. The exact documents vary depending on the insurer and the type of care. Your Prointel advisor will tell you what is needed in your case.
For scheduled hospitalization or procedures that require it, you must contact Prointel or the insurer directly in advance. You will need: the physician’s diagnosis, the name of the procedure or test, and the details of the provider where it will be performed. We guide you through the process so that the authorization arrives on time.
You can request it from your Prointel advisor at any time. You can also check it directly on the insurer’s portal if you have access. We recommend verifying it before scheduling medical procedures so you know your financial responsibility.
Contact us immediately. We can arrange the replacement of your card with the insurer or tell you whether you can use a digital alternative in the meantime. In emergencies, the insurer can verify your coverage through other means.
It depends on the type and complexity. Simple medical expense reimbursement claims are usually resolved within 15 to 30 business days. Property or complex claims may take longer depending on the documentation and the adjustment process. At Prointel we actively follow up so that your case is resolved as soon as possible.
Yes, in most medical expense and life insurance policies you can include them as dependents. This generally applies to your spouse or common-law partner, and children under 25 (or 30 depending on the policy) who have no income of their own. Check the specific conditions of your policy with your advisor.
There may be one depending on the insurer and the type of coverage. Some coverages such as maternity or pre-existing conditions have specific waiting periods. We recommend including dependents as soon as possible, ideally at the time of taking out the policy.
Ideally, include them at birth or within the first 10 days of life. If you already have children when you take out the policy, include them right away. We only need basic information (name, date of birth) and, in certain cases, medical forms. Handle this with your Prointel advisor.
Check with Prointel whether your policy has maternity coverage and from when it applies. Verify which expenses are covered (check-ups, delivery, C-section, complications), at which hospitals and with which physicians you can be treated, and whether you need to include your partner as a dependent. Planning ahead avoids surprises.
Yes. You can add new dependents (a newborn child, a spouse) or remove those who should no longer be on the policy. The rules and dates for making changes depend on each insurer and product. At Prointel we manage the changes with the company.
Age limits vary depending on the insurer and the type of coverage. Generally, older vehicles may have restrictions on coverages such as Comprehensive (All Risk) and may only qualify for Third-Party Liability coverage. Tell us about your vehicle’s characteristics and we will find the best option.
It covers: damage to the vehicle from collision and rollover, total loss from theft or robbery, malicious damage and vandalism, natural perils (earthquake, flood, volcanic eruption), third-party liability, medical expenses for occupants, life insurance for the driver, and 24/7 roadside assistance (tow truck, jump start, tire change).
It is an endorsement that forms part of the policy and grants special rights to a financial institution with which the insured holds a loan secured by the insured asset. In the event of a claim, that institution receives the indemnity first. Once issued, it cannot be canceled or modified without its express authorization.
Contact Prointel immediately. We keep your policy number and the necessary details on hand. It is important to request it in advance, as issuance can take several days. When it is delivered, confirm its acceptance and keep copies.
It is a person who is economically dependent on the primary insured: the spouse (or common-law partner) and/or children under 25 years of age (or 30 depending on the policy). If the child already works and has their own income, they may no longer qualify as a dependent even if they are under that age.
The safest way is to review the general and particular conditions of your policy, especially the coverages and exclusions section. We know it can be technical: write to us or call us and we will explain with simple examples what is and isn’t covered in your specific plan.
If you are already a client, the name and details of your advisor appear in the emails, quotes or documents you receive from Prointel. You can also write to us through our official channels and we will tell you who your assigned advisor is.
