When someone offers us a insurance or an acquaintance tells us that he pays much less for his temporary incapacity policy, we have to see how much less he pays for his temporary incapacity policy. whether you are really protecting your interests well in the event that the self-employed person takes sick leave.
Sports in my sick leave insurance
One of the most common exclusions in self-employed insurance are certain sports:
- Federated sports: this is an important nuance.
- The most risky: boxing, mountaineering, scuba diving...
- Sometimes also skiing
Be careful with 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 cover for federated sports such as skiing and snowboarding.
The shortcomings of sick leave policies
When we take out health insurance, many people already know that there are certain gaps. The waiting period is the time when, even though the insurance is in force, I am not covered..
We would be surprised at the volume of sick leave insurance policies that are issued with sickness exclusions. This is a very important risk, and it makes a difference when choosing one company or another.
Our advice is to look for the insurers to eliminate qualifying periods (except for birth, which can never be removed). We work with leave products that do not include grace periods.
Low back pain and neck pain, covered or not?
So many low-cost insurance companies eliminate coverage for these ailments or limit coverage for these ailments the guarantee 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 are insured for.
In general, when we have a sick leave insurance we think everything is covered, but, without However, reading the conditions, we would see that this is not the case and that these issues, among others, compromise our subsidy in the event of sick leave.
If you would like us to inform you about which temporary incapacity for work policies respond to these situations, from PIB Group Iberia we will help you find them.
