Temporary Disability Insurance for the Self-Employed

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

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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.

Shall we discuss it?

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

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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.

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Common questions about this insurance

What is the scale?

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?

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?

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

Shall we discuss it?

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

FIND A BRANCH OFFICE