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Since January 1, 2023, self-employed workers contribute based on their monthly net earnings.
In the event of an illness or accident that prevents them from working, a self-employed worker will see their income reduced or come to a grinding holt, which then puts themselves and their family in a compromised situation.
The limited coverage provided by the social security may not be sufficient to guarantee their well-being.
There is a daily compensation insurance which takes effect in case of accidents connected or not to work or illness and in their professional or private life, with benefits paid in a single payment and calculated based on the number of days you are unable to work.
What does health insurance for the self-employed cover?
Additionally, the following options can be covered as well: –
• Daily compensation for hospitalisation.
• Capital paid for surgical operations
• Capital paid for disability.
• Medical assistance for accidents.
These type of polices give you peace of mind: and if you are taken ill or suffer an accident it will not result in financial loss; you can maintain your usual lifestyle and cover your business expenses.
Benefits of health insurance for the self-employed
Flexibility: The option to choose the daily benefit you want to receive during the duration of your work-related leave.
Comprehensive coverage: Covers any illness and/or accident that occurs both at work and in personal life.
Security: Complements the benefits provided by Social Security.
Speed: We guarantee quick payment of compensations. Additionally, there is the possibility of advance payment.
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About Our Team
At The Insurance Centre, we’ve been helping clients since 1999 with friendly, professional, and multilingual insurance services tailored especially for expatriates in Spain. We work with top-tier, reputable insurance providers and have proudly received awards for excellence in customer service and expat insurance for the past 10 years.
We are fully registered with the Dirección General de Seguros (DGS) and are members of the Colegio de Mediadores. Our team speaks English, Spanish, French, and Swedish, ensuring clear and confident communication with clients from around the world.
