Sick Pay Insurance
Protect your income if illness keeps you from working
If you are self-employed or a freelancer, a prolonged sick leave can mean a total loss of income. Our sick pay insurance guarantees you an agreed daily amount, whether you are treated at home or admitted to a hospital.
Benefits of this insurance
You receive the benefit every day of leave, including Sundays and holidays, with no time limit.
Choose between 8, 15, 29 or 43 days of waiting period depending on your situation and budget.
You can insure up to the amount of your usual net income.
Paid the same whether you are treated at home or in a hospital.
What is covered
Loss of income due to illness or accident
Covers the loss of income resulting from inability to work due to illness or accident, from the agreed waiting-period day.
Payment with no duration limit
The benefit is paid for as long as the incapacity lasts, with no time limit, including weekends and holidays.
Adjustment for income increases
You can adjust the insured amount when your income increases, to avoid coverage gaps.
What is not covered
Amount above net income
You cannot insure a daily amount that, combined with other benefits, exceeds your usual net income.
Initial waiting period
No payments are made during the agreed initial waiting period (for example, the first 8, 15, 29 or 43 days).
Real claim examples
60 days of leave after surgery
As a self-employed professional, Sergio is on leave for 60 days after surgery. The insurance pays him the agreed daily benefit, including weekends.
Recovering at home from a prolonged illness
Marina, a freelancer, spends 30 days recovering at home from an illness. The daily benefit covers her loss of income during that period.
Frequently asked questions
Who is it especially important for?
It is essential for self-employed people and freelancers, who typically do not receive continued pay in case of illness.
Which waiting period suits me?
It depends on your financial situation; a shorter waiting period means a higher premium, while a longer one reduces the monthly cost.
Up to how much can I insure?
You can insure up to the amount of your usual net income, taking into account any continued pay or public sick benefit.
For how long is it paid?
There is no duration limit: it is paid for as long as the inability to work persists, including Sundays and holidays.
Does your livelihood depend on your ability to work?
Tell us about your work situation and we will calculate the daily benefit you need together.
Request free advice