DKV Renta Baremado work leave insurance
El seguro de baja laboral pensado para proteger la economía de los autónomos.
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Indemnización al comenzar la baja laboral por enfermedad o accidente.
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We pay your compensation immediately, as soon as you're off work.
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Additional medical services.
From €5/month
Por qué elegir DKV Renta Baremado
Todas las ventajas de tu seguro de baja laboral
We immediately pay you the compensation as per the scale when the work leave is granted.
Los baremos más amplios del mercado: 100 días en caso de infarto y entre 40 y 80 días por fractura de muñeca.
Option to choose the daily provision that you want to receive while on medical leave.
Cubre cualquier enfermedad y/o accidente que suceda tanto en el trabajo como en la vida personal.
All the details about the DKV Renta Baremado work leave insurance
Qué cubre el seguro de baja laboral DKV Renta Baremado?
Cover and services
We pay your compensation immediately, as soon as you're off work.
An illness or accident can force you to take a work leave, which entails less income and more expenses. Con este seguro tu economía no se verá afectada en caso de baja laboral, ya que cada patología tiene asignado una cantidad económica (baremo).
Included cover
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Daily compensation for temporary disability and/or accident
Being ill or suffering an accident will no longer involve losing money, as you will be able to meet your business' expenses. You will receive a compensation in the event of a temporary disability.
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Cover for common pathologies
As opposed to other companies, we cover common pathologies in such important specialities as the digestive system, ophthalmology, musculoskeletal system, otorhinolaryngology, respiratory system, urology, sprains, dislocations, wounds and trauma.
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Childbirth compensation
If your medical leave 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.
Services included
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Telephone medical advice
If you are worried about a symptom, call us and an agent on one of our helplines will be happy to attend to you: 24-hour general medicine, pregnancy, women's' health, nutrition and psycho-emotional health.
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Second medical opinion
Have the peace of mind of receiving the best possible treatment with a second medical opinion in the event of a serious illness.
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Health services complementary to the insurance
You will have access to a catalogue of health and well-being services at lower-than-market prices through DKV Club Salud y Bienestar.
Coberturas de contratación opcional
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Daily compensation for hospitalisation
Receive a compensation for every day you are hospitalised.
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Capital por intervención quirúrgica
Si tienes que pasar por el quirófano, tendrás una prestación adicional que te protegerá económicamente.
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Capital por invalidez absoluta y permanente
La mayor protección frente al peor de los escenarios, garantízate una prestación económica adicional.
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Medical assistance in the event of an accident
Tendrás cubierto los gastos médicos que puedas necesitar por un accidente, utilizando la Red concertada de DKV.
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Ampliación de la indemnización
Cuando finalicen los días del baremo, a partir del día 90 de la baja, continuaremos pagándote hasta que se produzca el alta.
Any insurance policy must start with a commitment
Terms and conditions of the contract
Lo pueden contratar personas desde los 16 y hasta los 64 años.
Excepto en la cobertura de Invalidez Absoluta y Permanente que finaliza a los 65 años.
El seguro se renueva automáticamente cada año. Te informaremos con antelación de las novedades en tu seguro.
Como autónomo te puedes deducir hasta 500 euros en la declaración de IRPF.
Información sobre el seguro DKV Renta Baremado
Download the documentation
Other insurance you might be interested in
Medical insurance for self-employed workers
DKV Profesional
Combine all the cover you need for health, income, accidents or death, in a single insurance. Y si eres autónomo, tendrás un descuento adicional del 5%.
Family health insurance
DKV Famedic Profesional
Un seguro que permite cuidar tu salud y la de tu familia sin descuidar su negocio. Con un precio familiar por el que incluir hasta 8 miembros por la misma cuota.
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.
FAQs
What is work leave insurance?
It is an insurance that guarantees you a financial provision. It will be applied if you experience a temporary incapacity to work that prevents you from doing your usual job. This can be caused by an illness or an accident. The provision varies according to the insured capital.
What is insured under a work leave policy?
Income insurance guarantees temporary disability. Covering the worker's loss of income due to an illness or accident
Hospitalisation. For every day that you are hospitalised, you will receive a compensation as of the first 24 hours up to 365 days later
Legal intervention. DKV Seguros guarantees the insured person a single financial provision. The amount is calculated by applying the insured capital for the cover of surgical procedures reflected in the special terms and conditions
Total and permanent disability. Total and permanent disability is the irreversible physical situation caused by an illness or accident
Medical assistance in the event of an accident. Provided that they are derived from an accident covered by the policy.
What is the duration of the work leave insurance?
The duration of the contract stipulated in the policy is annual and can be extended, but the payments may be made monthly, quarterly or every six months.
What happens if your working situation or professional activity changes after taking it out?
You should notify us of the change in your situation as soon as possible to be able to recalculate the insurance premium according to the new activity, which may represent an increase or decrease in the price depending on the level of risk that this new activity represents. This way we will avoid any problems or confusion during the claims procedure.
When does the cover start and end?
Once the contract has been signed and the first instalment has been paid, it will take effect and end on the dates established in the specific terms and conditions. It will be renewed each year unless one of the two parties (the contracting party or the company) states otherwise.
In addition, the contract will terminate: · At the end of the year when the insured person reaches the age of 70.
When the insured person becomes disabled or permanently unable to carry out his profession, or when he requests recognition of this state, or receives a pension, service provision or compensation for said cause.
When the insured person is retired, unemployed or in a similar situation, or ceases all their professional or labour activities.
Is there an upper age limit for the insurance cover?
What are the excluded risks?
Which is the maximum guaranteed period for medical leave?
Does it cover work leave in the event of pregnancy and/or childbirth?
How long does it take between communicating my leave and starting to receive the compensation?
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