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Work Leave lang_product.bajalaboral.subtitle

Work Leave insurance provides protection to the self-employed in the event of leave due to illness or accident. When a self-employed individual experiences a work-related absence, the work leave insurace provides compensation to compensate for the loss of income.

Highlighted Coverages

Daily compensation for temporary incapacity and/or accident
Compensation in case of hospitalization due to illness and/or accident
Medical assistance for accidents (according to contract)
Absolute and permanent disability (according to contract)

Detailed Information

FOR WHOM?: Aimed at any self-employed person who wants to protect himself/herself against possible sick leave that would reduce his/her capacity to generate income.
The policyholder may be the individual or the company.
WHY?: Because for the self-employed person, being on sick leave means drastically reducing their ability to generate income.
Because the Sick Leave insurance will provide them with compensation to offset this loss.
COVERAGES: ✔ Daily compensation for temporary incapacity and/or accident
✔ Compensation in case of hospitalization due to illness and/or accident
✔ Medical assistance for accidents (according to contract)
✔ Absolute and permanent disability (according to contract)
REAL CASE?: A freelancer is engaged in interior painting work. One weekend, he goes for a walk in the countryside with his family and due to bad luck, he sprains his ankle and they have to put it in a cast. Due to this injury, he will have to spend 20 days off work, unable to attend the jobs he had planned.
This generates a loss of income. By having contracted sick leave insurance, with a daily capital of €90, being 20 days off work, the insurance compensates you with €1,800 (€90 x 20 days low).