Self-employed Income Protection Insurance1 - Banco Sabadell
Insurance for the self-employed
Work with peace of mind, work better
Know beforehand what your compensation will be
From the first moment, you will have all the information of the number of days you will be covered for: four days in the case of gastroenteritis, three days for flu. What’s more, you don't need to have a doctor's certificate to receive compensation.
You choose the one that’s best suited to you
How does Self-Employed Income Protection work?
When you take leave due to an accident or sickness, all you need is the sick leave report to start the processing of the claim. The doctor's certificate3 serves as proof of the start of the period of sick leave and the nature of the health issue.
The amount of compensation for sick leave is determined on the basis of a pre-set system of scales in the policy. You receive a daily compensation according to the option you have chosen, for the number of days you are off work depending on the condition that causes you to take leave.
When coverage has been confirmed, you don't need to wait for the doctor's certificate to receive the money. And the required checks are minimal.
The advantages of Self-employed Income Protection Insurance
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A plan to build your retirement as a self-employed worker at your own pace
Complete insurance from Sanitas with more than 50,000 professionals, with 24-hour video consultations for general medicine emergencies. And what’s more, you can deduct 500 euros a year5 in your personal income tax return.
For the self-employed who are planning to save for retirement
Make a regular investment that allows you to build up savings for retirement, with the possibility of making extraordinary contributions. In addition, with a saving on your tax return6.
Figures that speak for themselves
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Legal conditions
Coverage subject to the terms, coverage, limitations and exclusions set out in the general, particular and, if applicable, special insurance conditions.
Insurance mediated by BanSabadell Mediación, Linked Banking Insurance Operator of the Banco Sabadell Group, S.A. (“BanSabadell Mediación”) and marketed through the network of Banco de Sabadell S.A., entity with which it has signed a distribution network services contract. BanSabadell Mediación's registered address is Plaça de Sant Roc, nº 20, 08201 Sabadell, Tax ID A08000143, and is registered in the Mercantile Registry of Barcelona and in the Administrative Register of Insurance and Reinsurance Distributors of the DGSyFP with code no. OV-0004, acting for DKV Seguros y Reaseguros, S.A.E. and Sanitas, S.A. de Seguros. having taken out a civil liability insurance policy in accordance with the provisions of the regulations governing the distribution of private insurance and reinsurance in force at any given time. You can view the insurance companies with which BanSabadell Mediación has signed an insurance agency agreement at the website: www.bancsabadell.com/bsmediacion.
1 Protección Subsidio Autónomo is a commercial name of the product that DKV Seguros y Reaseguros, S.A.E. markets under the brand name DKV Renta, with its own specifications and technical notes of the same product that are available to the public at the insurer's registered offices. You can check out the key information document of the insurance product
and its general conditions on the DKV website, with registered office in Spain, WTCZ-Edificio DKV-, Avenida María Zambrano 31, 50018, Zaragoza, registered in the Mercantile Register of Zaragoza, in volume 1711, folio 214, page Z-15152, Tax ID Number A-50004209 and registered in the Administrative Register of Insurance Companies of the DGSyFP with code C-0161.
2 Compensation is paid out for each day that the insured is hospitalised for a condition covered by the insurance that requires admission to hospital of over 24 hours, up to a maximum of 365 days.
3 DKV Seguros can request complementary documentation if necessary.
4 Self-Employed Health Protection is an insurance policy of the insurance companies Sanitas, S.A. de Seguros and BanSabadell Seguros Generales, S.A. de Seguros y Reaseguros, as co-insurers, each underwriting 50% of the co-insurance. Sanitas , Sociedad Anónima de Seguros, Tax ID. A28037042 and its registered offices at C/ Ribera del Loira, 52, 28042 Madrid, Spain, is registered in the Mercantile Register of Madrid and the Insurance Companies Register of the General Directorate of Insurance and Pension Funds under code C-320. BanSabadell Seguros Generales, Sociedad Anónima de Seguros y Reaseguros, with Tax ID no. A64194590 and its registered offices at C/ Isabel Colbrand, 22, 28050 Madrid, Spain, registered with the Mercantile Registry of Madrid and Insurance Companies Registry of the General Directorate of Insurance and Pension Funds under code no. C-0767.
5 In the case of self-employed individuals who are under the direct estimate scheme, health insurance can be deducted in the personal income tax return in accordance with the terms and conditions set forth in those regulations. Tax advantages do not apply in Guipúzcoa, Vizcaya or Álava. Insurance policies brokered by BanSabadell Mediación, Operador de Banca-Seguros Vinculado del Grupo Banco Sabadell, S.A. (‘BanSabadell Mediación’) and sold and marketed through the network of Banco de Sabadell, S.A., a company with which it has signed a distribution network services agreement. BanSabadell Mediación’s registered address is: Plaça de Sant Roc, nº 20, 08201 Sabadell, it's tax ID No. is A08000143 and it is registered in the M.R. Of Barcelona and in the administrative register of insurers and reinsurers of the DGSyFP with code no.
OV-0004, acting for DKV Seguros y Reaseguros holding civil liability Insurance pursuant to the provisions of the regulations on the distribution of private insurance and reinsurance at any given time. You can view the insurance companies with which BanSabadell Mediation has signed an insurance agency contract at the website
6 Contributions made on an individual basis to pension and individual pension plans (PPA) plans, together with any employer contributions that may apply to employment plans, cannot exceed the joint limit of €10,000. In the event that this limit or any of the limits mentioned for each individual product are exceeded, the order of priority in maintaining said contributions is as follows: Business Employment Pension Plans, Simplified Employment Pension Plans for the Self-employed and Individual Pension Plans/PPAs.