When someone offers you a sick leave insurance or an acquaintance tells you that he pays much less for his temporary disability policy, you should check whether he is really protecting your interests in the event that the self-employed person takes a sick leave.
Sports in my sick leave insurance
One of the most common exclusions in self-employed insurance is certain sports:
- Federated sports: this is an important nuance.
- The most risky: boxing, mountaineering, scuba diving…
- Sometimes skiing is also
Beware of this last exclusion, as it is a very popular sport and it is very important to check it in our policy. That said, there are insurance companies that do provide coverage for federated sports such as skiing and snowboarding.
Shortcomings in sick leave policies
When we take out health insurance, many people already know that there are certain waiting periods. The waiting period is the time during which, although the insurance is in force, I do not have coverage.
We would be surprised at the volume of sick leave insurance policies that are issued with sickness deductibles. This is a very important risk, and it is a differential when choosing one company or another.
Our advice is to look for insurers that eliminate waiting periods (except for childbirth, which can never be removed). We work with sick leave products that do not include waiting periods.
Low back pain and cervical pain, covered or not?
So many health insurance companies eliminate coverage for these ailments or limit coverage to a few days.
Of course, this issue should be covered by the sick leave policy, because if one day this discomfort appears and prevents you from going to work, you will want your company to which you are paying an annual premium, to pay you the subsidy you have insured.
In general, when we have a sick leave insurance we think that everything is covered, but, however, reading the terms and conditions, we would check how this is not so and these issues, apart from others, compromise our subsidy in case of taking the sick leave.
If you would like us to inform you about which temporary disability policies respond to these situations, PIB Group Iberia will help you find them.
