Insurance

Temporary Disability Insurance for the Self-Employed

Protect yourself in the event of sick leave or an accident if you are self-employed

Capital that protects you against loss of earnings.
Peace of mind in the case of hospitalisation.
Streamline procedures and access additional services.

Sign up online and get a 20% discount forever*.

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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.

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.

Common questions about this insurance

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

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.

Yes, you can divide the temporary disability insurance into annual, semi-annual or quarterly payments. Legal entity Policyholders are available for monthly payment.

*Promotion valid from October 1 to November 30, 2025 for the Temporary Disability Protection Insurance for the Self-Employed. 20% discount for the life of the policy. Exclusive offer for contracts through the digital channel, web or app. Check the legal bases of the campaign here.

Insurance mediated by Santander Mediation Operator of Banca-Seguros Vinculado, S.A. (“Santander Mediación”), through its distribution network Banco Santander S.A., by virtue of the agency contract it has signed with the insurance company Santander Generales Seguros y Reaseguros, S.A. Santander Mediación is a company registered in the registry of the General Directorate of Insurance and Pension Funds under number OV-0042 and has taken out civil liability and financial capacity insurance in accordance with current legislation. Consult the rest of the insurance companies with which Santander Mediación maintains an Agency Contract for the distribution of insurance products in www.santandermediacionobsv.com.

1. Subject to the contractual conditions of the insurance policy.

2. Diagnoses not included in the scale are not covered.

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