El asegurador cooperativo destinará parte de sus sobrantes netos disponibles para de forma equitativa, aportar a programas sociales tales como hospitales, albergues o programas de ayuda para niños y mujeres maltratadas, enfermos terminales, hogar o centro de ancianos, instituciones educativas y programas de desarrollo cooperativo que estén dirigidos a fomentar el desenvolvimiento de las comunidades y grupos marginados. Esta reserva se establecerá por una cantidad fija anual, lo que significa que no será acumulativa.
La utilización y administración de la reserva social será reglamentada por la Junta de Directores del asegurador cooperativo.
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