DKV Renta work leave insurance
When on sick leave, you can fall back on your income protection insurance.
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Daily compensation for temporary disability.
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Receive your money in the days following receipt of your discharge certificate.
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Medical guidance and additional health services.
From €3/month
Why choose DKV Renta
All the advantages of your work leave insurance
A health problem or an accident will no longer involve losing money in your business.
Cover any illness and/or accident that occurs either at work or in your personal life.
Option to choose the daily provision that you want to receive while on medical leave.
We guarantee the prompt payment of compensations, and advance payment is available.
All the details about the DKV Renta work leave insurance
What does DKV Renta work leave insurance include?
Cover and services
If you fall ill or have an accident, may your only concern be getting well again.
As a self-employed worker, we know that your expenses don't take into account illnesses or accidents. For this reason, the work leave insurance will provide you with extra money, depending on your illness and/or accident, to ensure that you can cover all your usual expenses and maintain your standard of living.
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; you will be able to continue your lifestyle, as you will have the capacity to meet your business' expenses.
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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.
Optional cover
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Daily compensation for time spent in hospital
For every day that you are hospitalised, you will receive a compensation as of the first 24 hours up to 365 days later.
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Surgical procedure
Receive a compensation based on the type of intervention.
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Total permanent disability
If an accident or illness covered by the policy leads to total permanent disability, we guarantee the payment of the contracted capital.
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Medical assistance in the event of an accident
You will be covered for all the medical expenses you may need due to an accident using the authorised DKV network.
Waiting periods
All provisions can be used from day one, except for:
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Illness, hospitalisation and surgery: 2 months
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Total permanent disability: 3 months
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Pregnancy, abortion, childbirth and puerperium: 8 months
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When the leave is due to an accident, no waiting period will apply.
Compensation modality
We adapt the insurance to you, so you can choose the daily amount you want to receive for the days you need to fully recover.
In addition, you can choose what day you want to start receiving the money.
Any insurance policy must start with a commitment
Terms and conditions of the contract
It can be taken out by people between 16 and 64 years of age.
Except for Total Permanent Disability cover, which ends at the age of 65.
The insurance is renewed automatically every year. We will inform you in advance on the new developments in your policy.
Information about the DKV Renta insurance
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. And if you are self-employed, you will receive a 5% discount.
Family health insurance
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.
Work leave insurance
DKV Renta Baremado
Work leave insurance for self-employed workers with a compensation as soon as you are on work leave, according to a scale.
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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