Accident insurance for the self-employed

Insurance for the self-employed to cover an inability to work

All you need to think about is getting better

What is Short-term disability insurance for self-employed workers?

Our Short-term disability insurance for self-employed workers offers you protection against illnesses and accidents that prevent you from carrying out your work normally. In this regard, if you are compelled to interrupt your professional activity, you will receive support in the form of a financial provision.

Advantages of this insurance

Work without risks

Whether you are a self-employed worker or an employee, we help you to overcome the consequences of an illness or accident.

Adapted to your profession

Our insurance is adapted to your needs with adjustable daily benefits depending on your profession or normal income.

Collateral guarantees

You will have a combination of guarantees and additional, exclusive coverage, such as travel assistance or a benefit for giving birth.

Insurance coverage

Illness

If an illness causes a temporary inability to work of more than 7 days, you will receive an indemnity for each day you are on leave, according to the capital selected in the contract and the limits on our scale.

Birth

For our insured women, after two years of the contract, we refund the first premium paid the previous year for each birth that takes place.

Travel assistance

And to complement your policy, the best travel assistance abroad, which you will be able to use worldwide, including provisions such as:

Capital for medical, surgical and pharmaceutical expenses.
Repatriation or transfer for injured or ill persons.
Travel and accommodation expenses if you need a companion during potential hospitalisation.
Information services, urgent messenger service, locating lost luggage and sending forgotten objects.

Additional coverage

Cover for accidents

If the reason behind a temporary disability of more than 7 days is an accident, with this guarantee you will receive an indemnity for each day you are on sick leave, depending on the capital covered in your contract and the limits laid out on our scale.

Hospitalisation due to illness

If you need to be hospitalised as a result of an illness, you can use this guarantee which guarantees the payment of an indemnity from the first day, up to a maximum o 120 days.

Hospitalisation following an accident

If hospitalisation takes place due to an accident, this coverage offers you an indemnity from the first day, and during the period in which you are admitted, up to a maximum of 120 days.

FAQs

Who is this insurance for?

Insurance for incapacity to work is designed for any self-employed or freelance professionals who do not work under the general employee regime and are thus excluded from the benefits that employees receive. It can be taken out between the ages of 18 and 55, and can be renewed up to the age of 65.

Why do I need this insurance?

Insurance for temporary incapacity to work is a guarantee for self-employed people in the event of an interruption to their professional activity.

Why choose scaled insurance?

Insurance for temporary incapacity to work is a scaled insurance, which means instead of compensating for the insured party's number of days they cannot work, a provision is paid based on a scale of pathologies that the customer will be aware of when taking out the policy.

The main benefit is agility in terms of the procedures for receiving the compensation since, once the documentation on the incapacity has been submitted, we undertake to make the payment within 48 hours, without needing to wait for a medical discharge. In addition, it is not necessary for the company to monitor the incapacity, and even if you recover before the number of days determined on the scale, you will receive all the capital established according to the pathology in question.

Why take out an Insurance policy to cover an inability to work with Plus Ultra Seguros?

Personalised Customer Service

Because each self-employed worker has different needs, our brokers will offer you tailor-made solutions, completely customised.

Adaptability

Take out an insurance policy to cover an inability to work with indemnity amounts that are adjusted to the financial capacity you wish to maintain in the event of a leave of absence.

Affordable

If you take out an insurance policy to cover an inability to work, for just a small amount each month you will be ready to face any financial problems you may encounter as a result of a leave of absence.