What is Total Temporary Disability (TTD) insurance?

The life of a self-employed worker is based on the principle of "if you don't work, you don't get paid". This reality makes Total Temporary Disability (TTD) insurance a fundamental means of protection, perhaps more important than basic health insurance, since it directly protects your finances.
 

Definition of Total Temporary Disability (TTD) insurance

Unexpected sick leave not only affects your physical well-being, but it can also harm your finances. So Total Temporary Disability (TTD) insurance is essential.

The concept of Total Temporary Disability (TTD) defines the situation in which a person cannot perform their usual work for a limited period of time, due to an injury or illness.

The Total Temporary Disability insurance (TTD) is a policy that guarantees the payment of previously agreed daily financial compensation if, due to an illness or accident, you are medically unable to work.

Unlike health insurance (which covers health expenses), TTD insurance covers the loss of income caused by sick leave.

 

Why is DKV Renta essential for the self-employed?

For self-employed workers, public Temporary Disability benefits may be insufficient and subject to more restrictive waiting periods. Take out insurance DKV Renta offers you a crucial safety net:

  1. Fixed Income Protection: The daily compensation allows you to cover your fixed personal expenses (mortgage, rent, utilities) and business costs (self-employed contribution, rent of premises, software, etc.).

  2. A supplement to Social Security: The DKV allowance supplements the benefits you may receive from Social Security, allowing you to achieve the income level you need to live without financial stress.

  3. Personalised Compensation: You decide the amount of daily compensation you want to insure, adjusting it to your actual income level. This gives you complete control over your financial security.

 

Key cover offered by DKV Renta

TTD insurance can go beyond basic cover for illness or accidents:

  • Illness or accident: Primary cover that guarantees compensation from the first day of hospitalisation or from the day you choose after the diagnosis of a condition treated as an outpatient.

  • Compensation for Hospitalisation (optional): Extra capital for each day you have to stay in hospital, helping to cover the extraordinary expenses caused by hospitalisation.

  • Cover for Surgical Procedures: You receive financial compensation based on the complexity of the operation.

  • Traffic and Workplace Accident: Immediate cover without no waiting periods if the sick leave is a direct consequence of an accident.

In short, taking out a work leave insurance policy for self-employed workers is not an expense, but a strategic investment in the stability and continuity of your everyday life and your business. Protect your most valuable asset: your ability to generate income.