Peru (PE)
Peru combines world-class food, ancient Inca heritage, Pacific coastline, Amazon rainforest, Andean cities and one of Latin America's lower cost-of-living profiles.
Social Security in Peru
Benefits, contributions, and how the system works for expats.
Peru social security is split between health (EsSalud/SIS/private), pensions (ONP public or AFP private) and labour benefits such as CTS/gratificaciones. Formal employment on planilla is the gateway to most protections.
Carnet de Extranjeria / RUC / CUSPP
Carnet de Extranjeria, RUC, CUSPP
CE through Migraciones after resident status; RUC through SUNAT; CUSPP when joining an AFP.
- Employment payroll
- EsSalud
- SUNAT tax
- Banking KYC
- Pension affiliation
- Contracts and notary procedures
Benefits & Support Payments
EsSalud regular health insurance
Seguro Regular EsSalud
Health insurance for formal employees and pensioners
Formal planilla employees and qualifying dependants
Employer registers worker and dependants; verify active status
SIS
Seguro Integral de Salud
Public health insurance for residents without other insurance
Residents including foreigners with CE if they meet plan requirements
Conect@SIS/SIS app/office
ONP pension
Sistema Nacional de Pensiones
Public pension system
Workers choosing ONP and meeting contribution rules
Payroll selection/ONP processes
AFP pension
Sistema Privado de Pensiones
Private individual pension account
Workers choosing AFP
Select AFP during employment/onboarding
CTS
Compensacion por Tiempo de Servicios
Severance-style savings deposited by employer
Employees in general labour regime meeting rules
Employer deposits to CTS account
Gratificaciones
Gratificaciones de julio y diciembre
Extra salary payments around Fiestas Patrias and Christmas
Formal employees under general regime
Employer payroll
Contribution Overview
Formal employees choose ONP or AFP pension deductions; employer pays EsSalud 9%. Informal or contractor arrangements can leave workers without health, pension, CTS and gratificaciones.
International Social Security Agreements
Peru has limited social-security coordination compared with the EU. Check bilateral agreements and AFP/ONP rules with a specialist before relying on portability.
Foreigners have labour rights, but enforcement depends on being documented. Keep payslips, SUNAT reports and contribution screenshots.
Social Security
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