Work leave insurance

We help you protect your income in the event of temporary incapacity to work

  • Daily compensation if you cannot work due to illness or accident.

  • 24-hour medical advice over the phone.

From €3/month

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Benefits of taking out work leave insurance

Financial protection

Financial support to cover unforeseen expenses in the event of work leave.

Total cover

Cover any illness and/or accident that occurs either at work or in your personal life.

Streamlined payment

We guarantee the prompt payment of compensations, and advance payment is available.

Customise your insurance

You can take out optional cover: compensation for hospitalisation, surgical procedures, etc.

What work leave insurance includes the cover and services I need?

Compare the cover of our work leave insurance policies

 
 

DKV Renta

The insurance that offers a daily compensation for sick leave due to illness and/or an accident.

Take it out from

€3/month

 
Calculate your insurance
Further information

  • Daily compensation

    In the event of illness and/or accident.

  • Compensation when you receive the discharge report

    You will receive the payment when you receive the discharge report.

  • Childbirth compensation

    Whether it is due to childbirth or you are in process of adoption, you will receive up to 20 times the compensation taken out in your income insurance.

  • Medical helpline

    A 24h medical helpline and a 24h paediatric helpline to take care of your children's health at any time.

  • Second medical opinion

    If you want to compare the diagnosis of a serious illness and need a second opinion, look no further.

  • Health services

    You will be provided access to a catalogue of health and well-being services at reduced rates.

  • Indemnity for hospitalisation

    Optional contractual cover. Receive a compensation for every day you are hospitalised.

  • Surgical procedure

    Optional contractual cover. Capital insured in the event of surgical procedure.

  • Total permanent disability

    Optional contractual cover.

  • Medical assistance in the event of an accident

    Optional contractual cover. You will be covered for all the medical expenses you may need due to an accident.

  • Scales for illness

    Examples: Sprained ankle: 10-40 days, myopia surgery: 3 days, gastroenteritis: 2-4 days, wrist fracture: 40-80 days.

 

The best-selling policy

DKV Renta Baremado

The insurance policy that, in the event of a medical leave, immediately pays you compensation without having yet received the medical discharge.

Take it out from

€5/month

 
Calculate your insurance
Further information

  • Daily compensation

    In the event of illness and/or accident.

  • Receive the compensation when the leave starts

    You will receive the payment in advance.

  • Childbirth compensation

    Whether it is due to childbirth or you are in process of adoption, you will receive up to 20 times the compensation taken out in your income insurance.

  • Medical helpline

    A 24h medical helpline and a 24h paediatric helpline to take care of your children's health at any time.

  • Second medical opinion

    If you want to compare the diagnosis of a serious illness and need a second opinion, look no further.

  • Health services

    You will be provided access to a catalogue of health and well-being services at reduced rates.

  • Indemnity for hospitalisation

    Optional contractual cover. Receive a compensation for every day you are hospitalised.

  • Surgical procedure

    Optional contractual cover. Capital insured in the event of surgical procedure.

  • Total permanent disability

    Optional contractual cover.

  • Medical assistance in the event of an accident

    Optional contractual cover. You will be covered for all the medical expenses you may need due to an accident.

  • Scales for illness

    Examples: Sprained ankle: 10-40 days, myopia surgery: 3 days, gastroenteritis: 2-4 days, wrist fracture: 40-80 days.

Other insurance you might be interested in

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DKV Profesional

Combine all the cover you need for health, income, accidents or death, in a single insurance. And if you are self-employed, you will receive a 5% discount.

Further information
DKV Famedic Profesional

Health insurance for families

DKV Famedic Profesional

An insurance that takes care of your and your family's health without neglecting your business. With a family price in which you can include up to 8 members at the same rate.

Further information
DKV death insurance

Funeral insurance

DKV Protección Familiar

The funeral insurance that supports your family at all times. One of the best funeral services, with transfer and repatriation to your country of origin.

Further information

Frequently asked questions about work leave insurance

We answer questions about our work leave insurance.

 

What is work leave insurance?

It is an insurance policy that guarantees a financial benefit if you are unable to work due to an illness or accident. It protects you while you're on sick leave and helps you maintain your regular income.

The amount you receive depends on the insured capital that you choose when taking out the policy.

What does work leave insurance cover?

  • Temporary disability: compensates you for lost income if you are unable to work due to an illness or accident.

  • Hospitalisation: you receive a daily amount from the first 24 hours, up to a maximum of 365 days.

  • Total permanent disability: protects you if an illness or accident prevents you from working permanently.

  • Medical assistance following an accident: covers medical care if the accident is included in the policy.

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What is the duration of the work leave insurance?

The contract is annual and is automatically renewed each year. You can pay the premium monthly, quarterly, or half-yearly, with a small surcharge for splitting the payment.

What should I do if my employment status or professional activity changes?

If you change jobs or activity, you must report this as soon as possible. This way we can recalculate your premium according to the new risk level from your job.

This can result in a price increase or decrease, and avoid problems if you have to process a claim.

When does cover start and end?

The cover begins when you sign the contract and pay the first bill. It ends on the date indicated in your specific terms and conditions, although it is renewed annually unless you or the insurer decide otherwise. It also ends if:

  • You reach 70 years of age (or 65 for total permanent disability cover).

  • You become permanently disabled or incapacitated.

  • You retire, become unemployed or cease your professional activity.

What is the maximum age to take out or keep the insurance?

The insurance covers you up to the age of 70. For total permanent disability cover, the limit is 65.

What risks are not covered by the insurance?

Situations or illnesses excluded from the policy, meaning they do not entitle you to receive the benefit.

Some common examples are:

  • Pre-existing illnesses or injuries.

  • Pregnancy, miscarriage, and the postpartum period.

  • Accidents or illnesses caused by alcohol, drugs or narcotics without a prescription.

All exclusions are listed in the contract for easy reference.

What is the maximum period of leave covered by the insurance?

It depends on the conditions you choose when taking out the policy. Your policy specifies both the maximum guaranteed period and the cover taken out.

Does it cover work leave in the event of pregnancy and/or childbirth?

Yes, but with conditions. If you are insured for more than 8 months, you will be able to receive a benefit for this reason.

You must have taken out one of the following guarantees:

  • Daily temporary disability

  • Scaled temporary disability

  • Hospitalisation

  • Surgical procedure

The scope and conditions are indicated in your policy.

When will I start receiving compensation?

After submitting all the documentation (sick leave and accident report), DKV reviews your case.

Once the right to the benefit has been verified, the payment is processed in less than two weeks.

If your sick leave exceeds 40 days, you can request an advance on the compensation corresponding to the period already accredited.

What is Total Temporary Disability (TTD) insurance?

A Total Temporary Disability insurance (ITT), like DKV Renta, is designed for self-employed people who want to maintain their income when they cannot work.

It offers you daily compensation agreed in the contract if an illness or accident prevents you from working.

Unlike public benefits, it allows you to maintain your level of income and cover your business and personal expenses while you recover.

Your work leave insurance from €3/month

Calculate your insuranceWe'll call you FREE OF CHARGE