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.

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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

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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.

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Frequently asked questions about work leave insurance

We answer questions about our work leave insurance.

 

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.

  • 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?

The upper age limit is 70, except for cover for permanent and total disability, which is 65 years of age

What are the excluded risks?

They are the illnesses, accidents, circumstances, alterations, activities, etc. that are not covered in the policy and that, therefore, do not grant the right to a provision. The excluded risks are agreed with you when signing the policy, and they are highlighted in bold type.

For example:

 

  • Any type of illness that already existed when the insurance plan was taken out.

  • Additional coverage.

  • Pregnancy, abortion and puerperium.

  • Illnesses or injuries caused in a state of inebriation or due to alcoholism, drug addiction or taking drugs or medicines without prescription.

Which is the maximum guaranteed period for medical leave?

You can choose from different options. The particular conditions specify the coverage contracted and the maximum guaranteed period.

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

Although childbirth is not considered an illness, mothers that are insured for over eight months will receive a provision on this account. It will be required having contracted one of the following guarantees: daily temporary disability, scaled temporary disability, hospitalisation or surgical procedure, with the scope and conditions established in each guarantee.

How long does it take between communicating my leave and starting to receive the compensation?

After presenting the claim form, the medical leave report and the rest of the requested documentation, and when DKV Seguros recognises the right to the provision and checks its final scope, it will start to process it within two weeks. In the event of extended temporary disability (over forty days), you may request an advance of the provision for daily temporary disability corresponding to the period of medical leave that has been sufficiently proven.

What is Total Temporary Disability (TTD) insurance?

A Total Temporary Disability insurance (TTD), like DKV Renta, offers economic protection designed for self-employed workers. Its purpose is to guarantee agreed daily compensation in the event that an illness or accident prevents you from working. It is essential because, unlike public benefits, it allows you to maintain your level of income and cover your business and personal expenses during your sick leave, ensuring your financial peace of mind while you recover.

Your work leave insurance from €3/month

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