Sick leave insurance for the self-employed, as we have already discussed on many occasions, is a fundamental policy for the worker. freelance. Thanks to this type of policy, in the event that the worker suffers an illness or accident (occupational or otherwise), he or she can receive an income for the corresponding period. This supplement for a sick leave situation is even better if the insurance company does not put the worker on sick leave. vesting periods in its contracting. In this post we take a closer look at the options for sick leave insurance without a waiting period, as well as the different time periods for sick leave insurance due to illness or pregnancy.
Waiting periods for sick leave insurance
Most of the insurance companies, In both sickness and self-employed health insurance policies, a waiting period is usually imposed.
The period of lack of an insurance policy is the time during which, even though the policy has entered into force, the company would not provide coverage in the event of a claim related to the guarantee for which there is such a period.
For example:
- In the health insurance for the self-employed are usually set between 8 and 10 months The following table shows the number of waiting periods for surgical interventions. We have already discussed the gaps in health insurance some time ago.
- In the self-employed sickness insurance a lack of between 2 and 6 months for illness or surgery. To give you an idea, in the Temporary Incapacity for Work (ILT) insurance, the waiting periods for an illness are usually 3 months and for hospitalisation and operations about 6 months, although these periods vary depending on the companies. Thus, the time to activate sick leave insurance for common ailments such as abdominal hysterectomy or sciatica will depend on these factors.
Why do companies put waiting periods in place?
We think it is a pity that waiting periods have to be established. The reason why insurance companies started to impose it is because in many cases policies were taken out and after 15 days or soon after, they had diagnoses of illnesses that could have been known in advance.
These “tricks”The "insurance industry's" suffering meant that, as a preventive measure These initial months of insurance in which there is really no coverage on certain issues will be fixed.
The most common, in this sense, is the childbirth waiting period, as it is a period of temporary incapacity that the company would pay for.
Is it possible to avoid them? Sick leave insurance without a waiting period
At PIB Group Iberia we work with the best sick leave insurance company, which in its flagship policy does not impose shortcomings (except for the lack of birth, which is unavoidable). However, it does not impose any of the exclusions for illnesses or surgical interventions that most insurance companies do.
If you want to find out more about the advantages of this sick leave insurance about others for sale, we will inform you without obligation. You won't regret it!
REMEMBER: to take out these insurance policies, companies ask you to fill in a questionnaire that includes your current state of health. In this questionnaire, we must state whether we suffer from any type of pathology before taking out the insurance policy, otherwise we will have problems in the event of an accident.
