Are you an independent worker, but do you need access to IMSS medical and social security services? This is possible by paying a fee to the institute in exchange for the various benefits .
This innovative way of joining the services of the Mexican Institute of Social Security is aimed at food deliverers and drivers of digital applications such as Didi, Uber or Rappi.
But independent merchants, self-employed professionals, farmers, artisans, drivers and even Mexicans working abroad can also benefit from it.
Benefits of joining IMSS
Affiliation to the IMSS for independent workers not only favors the interested persons, but also their beneficiaries. And provides access to the following benefits.
Health and maternity insurance
It includes medical, surgical and pharmaceutical assistance, hospitalization service, for non-professional illnesses, as well as the payment of disability to the worker for said illnesses.
It also offers maternity insurance, with the respective subsidy and paid disability for six months.
Support in funeral expenses of the insured.
Work risk insurance
It covers work accidents and professional illnesses, granting the independent worker medical, surgical and pharmaceutical assistance, hospitalization service, prosthetic and orthopedic devices, and rehabilitation; as well as the payment of disabilities (temporary disability, partial permanent disability, total permanent disability and death).
Disability and Life Insurance
The risks covered by this insurance are disability and death. It grants benefits when the worker suffers an accident or non-professional illness that prevents him from working normally and obtaining more than 50% of the salary he received during his last year of work, or in the event of the death of the worker.
Retirement Insurance, Unemployment in Old Age and Old Age
It grants a pension to workers who have completed the contribution periods and the age required by the Social Security Law.
In the case of retirement, the insured may retire before reaching the established ages, provided that the pension calculated in the Life Annuity System is more than 30% higher than the guaranteed pension.
Nursery Insurance and Social Benefits
Other social benefits
They are provided through programs to promote health, culture and sports; hygiene and health education, prevention of accidents and diseases; promotion and development of cultural activities; technical training courses and job training; vacation centers; establishment and administration of wakes.
How to have IMSS if I am an independent worker?
To have access to the IMSS as an independent worker you can start the process in two ways:
1) By Internet, on the IMSS page.
www.imss.gob.mx in the direct access section enter in “Independent working people”
2) In the subdelegation that corresponds to your address.
In the following league you will find the directory of the 133 sub-delegations at the national level:
http://www.imss.gob.mx/directorio
How much you have to pay?
It depends on the income you receive monthly. You can calculate the worker-employer quotas in the calculator for independent workers: .
It is important to mention that it is convenient to put the real salary, because the amount of money that the IMSS gives in case of benefits such as disability payment depends on that.
The minimum amount is 5,358.97 pesos per month and the maximum is 74,570.50 pesos.
Requirements and procedure
To start the process you must have the following information and documents:
curp
RFC
Social Security number
Personal email
and follow the
