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You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
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      BBVA Allianz Autónomos Sick Leave (ILT) Insurance

      Supplement your income when you can't work

      • If you can't work because you're sick, had an accident or are hospitalized, you will receive a payment that will help you cover your expenses.
      • You will have a pre-established compensation scale so you can know at all times what you will receive.
      • You can deduct up to €500 of this insurance on your taxes. That means you can recover up to €150 of your Sick Leave Insurance for Self-Employed Workers.

      If you are a company, you can take out this insurance for your employees. A specialized BBVA adviser will help you during the process.

      Calculate price

      Get 10% off in the first year if you purchase it online

      Calculate the price of your insurance and get this discount until November 15, 2023.
      Calculate price

      Do these situations sound familiar to you?

      • Work accident

        Every day, 98 self-employed workers like you have to take time off due to a work accident.

         

      • Illness

        If you can't work due to illness, you can supplement what you get from Social Security.

         

      • Hospitalization

        Get a guaranteed payment for every day you are hospitalized due to an accident or illness.
      • Absolute permanent disability

        Compensation for permanent disability or death in the event of an accident.
      • Death

        Heart attack is one of the most common causes of work-related deaths.

         

      You will know in advance how much you will receive.

      We will give you a scale specifying the days of compensation for the type of illness or accident and the coverage amount.

      Here is a sample compensation payment:

      • Option purchased: MAS, with a daily amount of €60.
      • Reason for the cancellation: retinal detachment surgery
      • Days of leave specified in the scale: 25 days.
      • Amount payable: €60/day x 25 days; you would receive €1,500.
      Calculate your quote

      Much more than a temporary disability insurance policy

      It also doubles as an accident insurance policy, since you're covered in the event of death or total permanent disability.

      It also supplements what you get from Social Security.

      • If you pay the minimum base, €300 a month; you will get from Social Security: €567.
      • And you have to keep making your Social Security payments, so the net amount would be €267.
      • With BBVA Allianz Autónomos Sick Leave (ILT) Insurance, for the example above, you would add the payment received from the insurance, giving you €1,500.

      Making it easier to cover your expenses as soon as possible

      You just need the sick leave certificate in order to start receiving your payments.
      You won't have to confirm your status periodically.
      Calculate your quote

      Sick leave insurance (ILT) options

      They all include the same coverages but different compensation amounts.
      • Essential

        • Temporary disability due to accident or illness: €30 a day.
        • Hospitalization due to accident or illness: €30 a day.
        • Death due to accident: €30,000.
        • Death due to heart attack in a work-related accident: €15,000.
        • Total permanent disability due to an accident: €30,000.

         

      • THE MOST POPULAR

        Más

        • Temporary disability due to accident or illness: €60 a day.
        • Hospitalization due to accident or illness: €60 a day.
        • Death due to accident: €60,000.
        • Death due to heart attack in a work-related accident: €30,000.
        • Total permanent disability due to an accident: €60,000.
      • Más Seguridad

        • Temporary disability due to accident or illness: €90 a day.
        • Hospitalization due to accident or illness: €90 a day.
        • Death due to accident: €90,000.
        • Death due to heart attack in a work-related accident: €45,000.
        • Total permanent disability due to an accident: €90,000.

         

      Tax benefits

      • Remember that you can deduct up to €500 of your insurance in your personal income tax return

        In addition to all the advantages offered by the insurance, self-employed workers may also be eligible for tax relief*:

        • Up to €500 may be deducted from the health insurance premiums when the self-employed worker pays taxes under a direct estimate scheme, except in Álava, Vizcaya and Guipúzcoa.
        • Compensation for Temporary Disability will be classified as a capital gain in Personal Income Tax.
        • Compensation for Absolute Permanent Disability will be subject to Personal Income Tax and will be considered as capital gains.
        • Compensation for the death of the insured person, in general is subject to Inheritance Tax.

        *See Legal Terms and Conditions

      What do we ask of you?

      • REQUIREMENTS
        • Freelancers who pay the fee for self-employed workers (RETA) or professional associations.
        • Be between 18 and 59 actuarial years of age (59 years and 6 months).
        • Persons in the Special Scheme for Self-Employed Workers, or the Special System for Self-Employed Farm Workers (as per Act 18/2007 of 4 July).

      Waiting periods

        • In case of accident there will be no waiting period.
        • In case of illness, the agreed coverage will begin 6 months after the Policy is purchased.
        • The waiting period may be waived if you bring another similar Temporary Disability policy purchased from BBVA Allianz Seguros or another company.

        Remember that the waiting period is the length of time after the policy is purchased before the coverage goes into effect.

      Calcula​te the price of your BBVA Sick Leave insurance

      Quickly and easily.

      Calculate your quote

      Save with the EstarSeguro Plan

      • BBVA Plan EstarSeguro

        Bundle all your BBVA policies, pay the premiums monthly and save up to 15% on your bills.
        Apply
        More information

      Get answers to all your questions

      Check the terms and conditions of the promotion here.

      • Be self-employed or a member of a professional association.
      • Having an account at BBVA. This is where we will charge your premium and pay your compensation, if applicable.
      • This insurance policy is for individuals, although the policyholder can be either a natural or legal person (a company).
      • You will have to answer a simple medical questionnaire.
      • The insured must be between 18 and 59 years old. The renewal for certain guarantees goes up to the age of 64.

      You can calculate the compensation using the scale. This scale specifies the days of compensation depending on the type of illness or accident and the coverage amount.

      If you need to check into a hospital to receive medical or surgical treatment, you must stay there at least 96 hours (4 days) to receive the additional benefit, with a maximum of 180 days for a non-continuous hospital stay and 90 days for a continuous stay related to the same condition and for each contract renewal period.

      The duration of the Sick Leave Insurance contract (BBVA Allianz Sick Leave for Self-Employed Workers) is annual, even if the payment is deferred (monthly, quarterly, half-yearly). If you do not wish to renew it, you have to inform us one month before the policy end date.

      The insurance does not have a waiting period if you are forced to take leave due to an accident. However, a waiting period is applied to other coverages:

      • 6 months in the event of hospitalization or sick leave.
      • 12 months if off work due to a herniated disk, lower back pain, upper back pain or neck pain.
      • 12 months in the event of a sick leave due to complications from childbirth.

      This is the period of time after the policy is purchased and before the coverage goes into effect. During these days, you are not covered. For example:

      If you take out the insurance and one week later you are in an accident, you will be eligible for daily compensation while you are unable to work. 

      If you take out the insurance and one week later you fall ill, you will not be eligible for compensation. Your policy will go into effect after a 6-month waiting period.

      Yes, it's possible. If you have a policy with similar coverage at BBVA Allianz or another company, the exclusion period can be waived. To do this, you will have to submit the necessary documentation and cancel your other policy in writing one month in advance.

      To enjoy the BBVA Plan EstarSeguro, you need to sign up for the BBVA Plan EstarSeguro card, free of interest charges, fees or extra costs. Credit card subject to approval by BBVA. The BBVA Plan EstarSeguro card can only be used to pay the premiums of certain insurance policies. Offer valid until 01/31/2024, after which date it will be renewed annually, provided there are no changes in the conditions.

      For a transaction of 600 euros payable in 12 months at a nominal annual interest of 0%, the total amount payable would be 600 euros in monthly payments of 50 euros each; the resulting APR, annual percentage rate, will be 0%.

      BBVA ALLIANZ SEGUROS Y REASEGUROS S.A., with registered address in Calle Ramírez de Arellano, 35, 28043 Madrid, and listed in the Directorate-General for Insurance and Pension Funds under reference C-0807. 

      BBVA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO, S.A. listed in the Administrative Register of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under code OV-0060. It has an approved public liability insurance policy.

      By law, we have to provide you with a standard insurance product information document to help you understand the main features.

      Self-employed workers health: Open document

      The acronym ILT stands for the Spanish for "temporary work disability", which is the situation in which a worker cannot carry out their professional activity due to a common illness or non-work-related accident, during a specific period of time, as well as maternity leave.

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        • Healthcare, tests and hospital stays.
        • 24-hour emergency service.
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        • Cover indemnities and legal defense costs
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        • Coverage tailored to your professional activity.
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      See more insurance plans

      Be a BBVA customer.

      • At BBVA, we offer a wide range of insurance products for protecting both you and your business.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.

      Your other banks

      Add your other banks to the BBVA app.
      View the status of your accounts, cards, recent transactions, pension plans, etc., with the BBVA app aggregation service.
      More information
      Apply for BBVA Sick Leave Insurance
      Calculate your quote
      Offer valid during current month
      1. Insurance
      2. Temporary incapacity sick leave insurance
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