WORK LEAVE INSURANCE

We help you protect your income in the event of temporary incapacity to work.

If due to illness or accident you cannot work or go to work, you will receive a compensation for each day you are on leave.

¿Do you know the reality of a self-employed person in Spain when they are on sick leave?

In the event of being on sick leave and unable to work, in most cases, income decreases as it is not the same as when actively working. Additionally, expenses persist or may even increase.

The reality of a self-employed person on sick leave is as follows:

€299 for the first month!!

That is unsustainable for any family. Freelancers depend on the income they generate from their work. In case you cannot work due to temporary incapacity, this insurance will work for you, providing the necessary income for your economy. That is the mission of this insurance.

The temporary incapacity insurance compensates for the decrease in income and the possible increase in expenses when you are on sick leave and unable to work. You receive a daily amount for each day you remain temporarily incapacitated for your profession or work activity.

QUICK PAYMENT

Financial support to cover unforeseen expenses of a work leave.

OPTIONS 

Two options to choose from: Classic or Indexed.

INDEMNIFICATION LIMITS

You can receive a daily compensation for each day of sick leave, up to a maximum of 2 years.

BAREMADO

The benefit insurance conceived to protect the health and economy of self-employed workers with a compensation when initiating a work leave due to accident or illness.

The compensation payment can be made from the beginning of the sick leave, once the sick leave or claim report has been submitted, without the need to have the return-to-work notice. The calculation of compensation is done by applying the corresponding scale to the pathology, and it is always effective from the first day of the sick leave.

CLASICO

When on work leave, enjoy the support of your income insurance with a provision for illness and/or accident, as well as for childbirth.

The compensation will be paid upon submitting the return-to-work notice, and that is when the contracted daily amount for all the days of the leave is received. If the claims are of long duration, advance payments can be requested starting from the 40th day of the sick leave.

Extra Service

If the sick leave is prolonged due to the wait for a test, DKV covers the cost of the test and provides a facility for its completion.

Special benefit for childbirth/adoption: 20 times the contracted compensation.

Telephonic medical guidance and second medical opinion for serious illnesses.

Access to services at special prices through DKV Health and Wellness Club.

Frequently Asked Questions about DKV’s Disability Insurance

1. Clasico:

  • Coverage: Daily compensation in case of work-related or private life illness and/or accident.
  • Scope: Applies both during professional activities and in personal life.

2. Baremado:

  • Coverage: One-time compensation in case of work-related incapacity due to illness and/or accidents.
  • Approach: Compensation is determined based on a specific scale for each pathology.
  • Duration: Regardless of the length of the sick leave, a one-time compensation is provided.

These modes offer flexibility to cater to individual needs, providing either daily compensation during sick leave or a one-time payment based on the type and severity of the illness or accident.

If the insurance is in the classic mode, the compensation payment will be made upon presenting the discharge report, and this is when the contracted daily amount for all the days of the sick leave is received. If the claims are of long duration, advance payments can be requested from the 40th day of sick leave.

For a score-based insurance, the compensation payment can be made from the beginning of the sick leave, once the sick leave or claim report is submitted, and without the need to have the discharge report. The calculation of compensation is done by applying the scale corresponding to the pathology, always from the first day of sick leave.

Self-employed professionals who want to ensure they have income in the event of a work stoppage to maintain their standard of living.

Entrepreneurs who want to ensure their business expenses are covered if they experience a health issue and need to take a leave of absence.

Salaried workers who want to cover the portion they stop receiving from Social Security.