CHARACTERISTICS

COVERAGE

FAQs

Protection for the self-employed and professionals

For you, if you are self-employed or a registered professional and your income depends on what you do every day, you can count on an insurance that gives you peace of mind.

Therefore, the Temporary Disability Insurance for the Self-Employed protects you from loss of earning due to sick leave or an accident.

When taking out this insurance:

  • You will have a capital that covers the loss of earnings when you cannot carry out your profession due to being off work for illness or an accident.
  • You will know the total amount of your compensation beforehand, because a scale1 establishes how many days correspond to each medical diagnosis. Furthermore, if you are hospitalised for at least 24 consecutive hours, you may receive an additional daily compensation.
  • You can depend on streamlined procedures. As compensation is set by a scale1, you will not have to wait until you are discharged to collect it.
  • You will be able to access additional services2, such as personal home help and treatments with specialists.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

Cases in which you will be covered

The Temporary Disability Insurance for the Self-Employed protects you in the case of:

  • Temporary disability1 due to illness or accident. If you have a medical diagnosis included in scale2 of the policy, you will collect the compensation indicated. You will receive it as a single payment, without having to wait for the medical discharge and regardless of how many days the sick leave lasts.
  • Hospitalisation for at least 24 consecutive hours. In this case, you will receive an additional daily compensation of €30, €60 or €90 depending on the option you have selected for the actual days of hospitalisation1 in your temporary disability insurance.

How to take out the policy and its requirements

The Temporary Disability Insurance for the Self-Employed is intended for self-employed workers registered in the Social Security Special Regime and registered professionals.

For more information about this insurance or to arrange it, visit your Banco Santander branch.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

Common questions about this insurance

What is the scale? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

The scale refers to the table indicating to the compensation corresponding to each medical diagnosis. You will receive a copy with your policy.

Is there a grace period? What is it? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Yes, the grace period is the number of days that must elapse from the date of effect of your policy (initial grace period) or from the date of the first medical certificate of your sick leave or from the date of each hospital admission (grace period between sick leave) to start/return to benefit from your insurance coverage.

The initial grace period is 60 days for illness. If the sick leave is due to an accident, there is no grace period.

The grace period between sick leave is 180 days in case of illnesses with the same diagnosis. For hospitalisations for different illnesses there is no grace period.

Can I split up the insurance payment? Icon / PlusCreated with Sketch.Icon / minusCreated with Sketch.

Yes, you can divide the temporary disability insurance into annual, half-yearly or quarterly payments if the premium is over € 600.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

Preguntas frecuentes

    What is the scale? Is there a grace period? What is it?

Temporary Disability Insurance for the Self-Employed

Icon / check Created with Sketch. It has capital in the case of loss of earnings

Icon / check Created with Sketch. Peace of mind in the case of hospitalisation

Icon / check Created with Sketch. Streamline procedures and access additional services

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