There is no doubt that insurance is one of the best tools for the protection of the self-employed who are within digital commerce. Where a good part of the insurance companies offer the self-employed the possibility of subscribing a policy for total temporary disability, which allows them keep your income during the time they are unable to carry out their professional activity. There are many solutions that they can provide to their daily needs and that to a large extent can be a tool for certain problems that they may develop.
Banks and insurance companies have turned their sights to the self-employed sector, offering them products specifically designed for them and their needs, and which take into account the problems faced by this segment of society. Basically the offer consists of two insurance products, on the one hand the insurance of total temporary disability, which allows them to maintain their income in the periods in which they cannot carry out their activity. While another, there are health policies, which have extensive medical coverage and the guarantee of hospitalization for any cause.
Their need stems from the fact of the needs of these self-employed workers who do not have many of these emergencies covered in their professional lives. This kind of special policies are characterized by being flexible and modular that you can hire only the coverage you really need. They offer you the maximum speed in claims management. With the option of subscribing an additional protection in case you cause any damage to third parties in the development of your professional activity. It is, therefore, an insurance adapted to your needs and with the option of selecting the coverages to suit you, as the main sources of identity with respect to other insurance of similar characteristics.
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Protection of the self-employed: their benefits
The self-employed can contract as optional coverage for sick leave insurance the following contingencies that we expose below:
Hospitalisation for any reason: for this coverage the policy holder would receive an additional amount if, in case of illness or accident, he was admitted to a hospital for a minimum of 24 hours.
Cessation of activity: If the insured person is self-employed and is contributing to the Self-Employed Social Security, Mutual, Montepío or similar institution as determined by law, they will be guaranteed a monthly compensation for involuntary cessation of their activity.
Non-payment of credit cards
The non-payment of your credit cards is the other of the benefits offered by this financial product at the moment. For when their situation does not allow them to face the monthly payment of their installments. Through an annual or monthly premium that is not excessively high since it is around 20 or 30 euros per month. An amount that will be contemplated in the monthly receipt that is generated from the credit card of the holders of this universal means of payment. It is designed for situations in which these professionals cease their activity or simply become unemployed.
In this way, they can spend a certain time without paying the debt that is accumulated from these plastics and that can pose many problems when preparing their personal or family budget. It is, in any case, an optional option that is only hired by users if they believe that it is worth hiring this service based on their real needs in the professional field in which they operate. Being able at any time to terminate the contract of this insurance without any kind of penalties or expenses in its management.
The insurance of these characteristics is a very special policy that provides compensation in the event of sick leave or professional to compensate for the decrease in Social Security income as well as other compensation in the event of hospitalization for any reason. In which it presents basic coverage, such as the ones we provide below:
- Daily compensation for temporary disability due to illness and / or accident.
- Includes childbirth benefits.
- Compensation in the event of hospitalization due to illness and / or accident: for each day you are hospitalized (from 24 hours to 365 days).
- Tax advantages The case of the self-employed who contribute by direct estimation deduction in the income tax return. (Up to a maximum of 500 EUR).
And with other coverages that are optional and that include the following benefits within the contracted policy:
- Surgical intervention.
- Absolute and Permanent Disability.
- Medical Assistance for Accident.
Insurance for professionals
This is an insurance with the widest coverage and services. With this insurance you can concentrate all the coverage you want (health, income and / or deaths) in one single receipt and with special rates. In any case, it is a multiple coverage insurance with the possibility of combining the insurance according to needs and grouping them in a single receipt.
Policies of the following types of insurance can be combined:
- Health: Medical Chart Product
- Accident Insurance
In some cases, in order to have access to some guarantees, you must wait a certain time since you begin to enjoy the benefits of your policy.
With this class of professional insurance, all benefits can be used from day one, only the following services have grace periods:
- Hospitalization and surgical intervention (including prosthetics): 6 months
- Deliveries (except premature deliveries): 8 months
- Transplants: 12 months
Insurance for professionals
The insurance of these characteristics helps you to cover the extraordinary expenses that a hospitalization or surgical intervention supposes (transfers, the maintenance of the companions, care of the children, domestic help, etc.) through the payment of a daily compensation up to a maximum of one year and whatever the hospital in which the insured is hospitalized.
While on the other hand, an illness or an accident can force you to take a leave of absence, which means less income and more expenses. With this insurance, your economy will not be affected in the event of sick leave, since each claim or pathology is assigned an economic amount (scale).