As from 10 September 2014, the National Basic Health Insurance Act has become effective. This means that every resident of Suriname must take out health care insurance for at least basic health care.

You can choose for either the AZPAS Basic Insurance that covers more than the legal basic health package and the AZPAS Plus Insurance that provides extensively more cover. 

It is always advisable to read the policy conditions. Should you still have any doubts, then please feel free to contact us or your insurance agent. Our contact details are included on the contact page.

Complete an application form and submit this form to Assuria. You can find one of our offices that is closest to you on the contact page. The processing time of an application may be affected if we an examination/laboratory test necessary, or when medical information is required from a general practitioner or specialist. After approval, you make the payment. After receipt of your payment, you will receive an AZPAS card.

Assuria has a number of additional coverages which can be added to your AZPAS insurance against additional premium payments. You can find an overview of these additional coverages here.

To determine your premium for AZPAS Basic or AZPAS Plus we would like to prepare a personal quote. This will be based on your age and any other additional cover(s). You can make the payments as follows:

• Monthly
• Quarterly
• Semi-annually
• Annually

In case of quarterly, semi-annual, or annual payments, we offer an additional discount. In addition, companies can get a volume discount and may be eligible for profit sharing.

The procedure for hospital admission is that the valid AZPAS card always needs to be submitted. The documents required to obtain a referral note are sent to us by the hospital.

If your admission has already been planned by the specialist, you can send the documents regarding the referral note for the admission to us in advance. We will then prepare the documents for approval of the referral and send this to the hospital concerned where you will be admitted. 

The local AZPAS Health Insurance unfortunately does not cover health care abroad. To obtain health insurance for when you are abroad, you can take out an AZPAS International Platinum or Diamond Insurance.

Contact the emergency services (police, fire department, ambulance) if necessary.

Contact our Claim Department as soon as possible on the telephone number 473400 ext. 231, 245, 255 or 221 for Paramaribo and the surrounding area. And via the mobile number 8862830 for Nickerie and the surrounding area. Try to take pictures of the situation.

The Homeowner Insurance covers your home against damage caused by fire and fire-fighting water, lightning strikes, explosions and aircrafts (Section 1). You can expand this insurance with additional covers for damages caused by storms and violent winds (Section 2), burglary and vandalism after burglary (Section 3), collisions, looting during riots, crashing of antennas (Section 4) or glass damage/tenant improvements (Section 5) and the Assuria Home Assistance Insurance (Section 6).

To apply for an insurance, you first need to complete the application form and submit this to the Assuria office that is nearest to you or to your insurance broker. You can find the addresses of our offices on the contact page.

After submission of the application form, one of our experts or insurance brokers will contact you to make an appointment for the inspection of you home and/or house contents. Depending on the provided information, you may be provided with a quotation the same day.

A number of aspects of your home are taken into consideration for the calculation of your insurance premium. The value, the construction and condition are some of the aspects that determine the premium. In addition, your premium also depends on any additional covers you would like to include in the insurance.

Your house contents are not automatically included in the Homeowners Insurance policy. To insure your house contents, click on House Contents Insurance or Basic House Contents Insurance.

This cover is included in the TRIAS World and TRIAS Caribbean Insurance according to the policy conditions.

Taking out travel insurance is recommended in case you unexpectedly fall ill are get involved in an accident abroad. The local AZPAS health care insurance only covers medical expenses for health care in Suriname.

Also, all travellers who require a visa for Europe (the Netherlands or any other Schengen country), is required to take out health insurance based on European regulations (the so-called MVV/Schengen visa).

Restitution of your paid travel insurance premium is only possible if you cancel the trip prior to the effective date of your insurance.

TRIAS World/TRIAS Caribbean: Contact GBG-assist within 24 hours on the telephone number +1.305.463.9696 / +1.305.537.1145 (Worldwide) or +1.800.785.4154 / +1.866.537.1145 (US or Canada) or +1.786.653.3717 (WhatsApp). Emergency e-mail address Redbridge regardless of location:service@redbridgeassist.com.

Without a report, 50% of the costs will be for your own account.

* The above does not apply to Cuba.  Contact Assuria for more information in this context.

TRIAS Europe: in case of:

• An accident or
• Acute illness that requires hospital admission: please contact EUROCROSS immediately on the emergency service number +(31)715681908. The attending emergency service provider will assist you in this inconvenient situation.

For the extension of other travel insurances, please feel free to contact us. We will take care of the extension of your travel insurance for the extended period of your stay abroad.

You may take out a policy up to 3 times consecutively. These are not renewals but 3 new policies with 3 different policy numbers. The coverage of the 1st policy does not continue onto the 2nd or 3rd policy. Similarly, the coverage of the 2nd policy does not continue onto the 3rd policy.

No, this insurance does not cover medications of existing conditions. It is recommended to take your medication with you on your trip.

Our travel insurance with coverage in Europe, TRIAS Europe, provides cover for the following territories: Europe, French Guyana and Guadeloupe, Martinique and Réunion (four oversees departments of France), the Canary Islands, Ceuta and Melilla (belonging to Spain) and the Azores and Madeira (belonging to Europe).

The travel insurance unfortunately does not offer cover in the country of residence of the insured.

Yes, exclusively for the sports included in the policy conditions.

No, the TRIAS Insurance is exclusively available for residents of Suriname.

The deductible is the amount that the insured must pay out of pocket when a claim is made. For TRIAS this deductible is EUR/USD 100 per insured per claim.

TRIAS Europa

The documents must be sent to Assuria within 1 month after termination of the (applicable) policy. 

TRIAS Wereld/Caribbean

Submission within max. 90 days after the event/accident. 

TRIAS Europa

Until the end date of the insurance.
If the insured person is hospitalized on the end date of the trip, Assuria will reimburse the medical expenses of this hospitalization up to 30 days after the end date of this trip (only medical expenses during the hospitalization period).
(see Article 7.1.1)

TRIAS Wereld/Caribbean

Until the end date of the insurance.

Payment in case of death is guaranteed. However, it is possible payment of the benefit is refused in case of:

• Murder or complicity in murder of the beneficiary
• Suicide of the insured person during the first two years of the insurance
• Nondisclosure of medical information that may have been decisive in the approval of the insurance

A Funeral Insurance is a lifelong insurance and covers the costs of the funeral.

A Life Insurance is often a requirement of the bank when providing a mortgage loan. Such an insurance will repay the mortgage amount in whole or in part upon the death of the insured person.

Also, in the event of the passing of one of the partners in a household, the surviving partner often is left with financial worriers. The household now has one income less, or someone needs to be involved to take over certain activities in the family.

A Life Insurance is an insurance that is related to the Life or Death of a person.

Depending on the type of insurance, the insurance can be transformed into a non-contributory insurance. Even if the policy is non-contributory, payment of an amount is guaranteed. This amount is however lower than it would be if the premium payment were to be continued.

It is possible to raise the insured value of your Life Insurance in the interim. We will then reassess the health requirements.

The amount of the premium is determined by your age, gender, duration of the insurance, the required insured amount (the amount you would like to have paid out on a certain date) and your health condition.

There are different reasons to take out Life Insurance:

• You are assured of an income for your old age
• Your surviving relatives will be financially taken care of in the event of your passing
• You contribute to savings for your future
• You don’t burden your surviving relatives with (mortgage) debts in the event of your passing during the term of the insurance

It is possible to take out Life Insurance in SRD and USD. Payment of the insurance premium will also need to be paid in this currency.

In Suriname

Contact the Damage Unit: in Paramaribo via telephone number 177 and in Nickerie via +597 8862830. Our Damage Unit will come to you as soon as possible and assess the damage on site. Complete the damage form together with the driver of the other vehicle that was involved in the accident and take as many pictures as possible of the situation.

In Guyana

Call Assuria General (GY) Inc. on +592 226 7052 or +592 226 7074.

If the driver has a valid driver licence, then the damage caused to third parties is covered (with the exception of the driver driving under the influence of alcohol or other narcotics).

His/Her own damage will not be covered if they don’t have Comprehensive Insurance or Personal Accident Insurance for Passengers.

You can sell your car either including or excluding insurance:

Excluding insurance

The current insurance is cancelled upon the sale. After submission of the sales contract and the insurance sticker, the seller will be reimbursed for the remaining insurance premium, after submitting the insurance certificate.

Including insurance

You state in the sales contract that you are selling the vehicle including Car Insurance. The buyer will then be reimbursed, and this reimbursement can be used to pay the new insurance, in part or in whole.

Unfortunately, it is not possible to pay the WAM Insurance (for the Compulsory Third-Party Liability Insurance) in instalments. It is however possible to pay the CASCO premium (for the Comprehensive Insurance) in 3, 6, 9 or 12 instalments through an automatic debt collection. This collection will be done using your giro account at the bank.

Upon buying a new vehicle you will need to take out insurance again.

Both the WAM (Compulsory Third-Party Liability Insurance) and the CASCO (Comprehensive Insurance) Insurance only provide cover within Suriname and Guyana.

You are entitled to a vehicle fleet discount when you have more than one vehicle insured under the same name.

Your premium depends on the type of vehicle (car, truck, bus or moped) you would like to insure (mainly the weight of the vehicle), the requested cover and the age of the regular driver.