There are many reasons for contracting your sick leave insurance. How many times have we thought we had everything tied to the millimetre and an unforeseen event has completely upset our plans? Especially in the economic sphere, an unexpected event can unbalance our family organization and deprive us of a capital that we previously had for another use. One of these fortuitous events can be suffering an accident or contracting a disease, since it entails a temporary interruption of our professional activity.
Your family planning is not affected
By contracting this type of insurance, you have the peace of mind that your leave will not influence your usual rhythm of life. With sick leave insurance you can balance the temporary absence of income from guards, special services, etc., in the case of being an employed person. If you are self-employed, it is just as useful to also compensate for the income from the activity that you stop doing when you are on sick leave, such as the fixed costs of a private consultation (nurse’s payroll, substitute, rent, electricity, telephone, etc.).
Choose only what you need
Each worker has a different employment and personal situation, and consequently the temporary income decompensation will be different for each case. That is why this insurance allows you to choose the fixed daily amount that you want to receive during the time that the sick leave lasts, so that it optimally adapts to the capital that you would stop receiving.
You choose when you need it
Just as each individual circumstance is different, so can be each type of leave. A temporary disability of a few days due to a minor illness is not the same as time off that could lead to a more serious accident. It is possible that in cases like the first one, it is not even interesting to receive a daily compensation as it does not suppose a significant contingency. For your insurance to adjust to each case, it is possible to set a prior franchise period of 3, 7, 10, 15 or 30 days, to start receiving the daily allowance from the day after the end of the chosen franchise. Of course, there is also the possibility
of receiving the capital from the first day of the withdrawal.
You choose how long you need it for
As we said before, each disability entails a different period of sick leave. To stay covered in more complicated cases, you can choose that the maximum compensable period for the same cause is one year or one and a half years.
You can choose an additional subsidy in case you remain hospitalized
In cases where the loss is more sensitive and may entail a period of hospitalization, either for a surgical intervention or for any other cause, the economic damage may be aggravated. To also have this eventuality under control, you can choose a supplementary subsidy to the principal for each day that you remain hospitalized. This optional warranty has no excess, and its maximum compensable period is one year.