How is the compensation for sick leave calculated in each case?

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.

How long does the sick leave insurance policy last?

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

What is the grace period?

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 insurance and fall ill within a week, you will start receiving daily compensation after 60 days (2 months).

Can the waiting period of the BBVA Allianz sick leave insurance be waived?

Yes, it's possible. If you have a policy with similar coverage with another company.

What do I need to enroll in the BBVA Plan EstarSeguro?

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 01/31/2027, after which date it will be renewed annually, provided there are no changes in the conditions. For a transaction of €600 payable in 12 months at a nominal annual interest rate of 0%, the total amount payable would be €600 in monthly payments of €50 each; the resulting APR, annual percentage rate, will be 0% .

Who is the insurance company?

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.

Who is the intermediary?

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

Insurance product information document

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

Who is sick leave insurance intended for?

Sick Leave Insurance is aimed at all self-employed persons who are registered in the Special Regime for Self-Employed Workers or RETA (or assimilated) or are a liberal professional registered in Spain, who are between 16 and 65 years of age and who are interested in having the peace of mind of knowing that they have a financial benefit in the event of sick leave.

How often is it renewed?

The renewal of the BBVA Allianz Sick Leave for Self-Employed Workers Insurance (ILT) policy for the self-employed and professionals takes place one year after the policy has been taken out, and is automatic (unless otherwise indicated) and under the same conditions as those contracted. If the policyholder does not wish to renew it, he/she must notify the insurer at least one month prior to the maturity date. In the event that the insurer objects to the renewal, the policyholder must be notified at least two months in advance.

What happens if I have an accident or become ill abroad?

If you have an accident or get an illness abroad, the BBVA Allianz Sick Leave for Self-Employed Workers Insurance provides you with the coverage indicated in the policy, except for those related to hospitalization due to an illness or accident (which are only available in Spain).

How long can a sick leave last?

A period of sick leave can last for a maximum of 365 days, although this period of time can be extended for a further 180 days if it is presumed that “during this period, the worker can be discharged from work due to recovery”.

What does the health questionnaire contain? What happens if it is not passed?

The health questionnaire is a document with legal validity that allows the evaluation of the self-employed person's risks when taking out sick leave insurance. It consists of a series of questions related to past pathologies, ailments and/or chronic conditions or health habits, with which we will know, roughly, the health status of the person. There are 4 possible outcomes (depending on the result obtained in the health questionnaire): That you cannot be insured: in this case, you can always call the insurer's toll-free number to discuss your situation and ask for advice. That you may be insured (but with certain exclusions): In this case, you will be able to continue with the sick leave insurance, although you will have to do so under the conditions indicated. That there are some doubts about your answers and more information is needed in order to close the contract. To do so, you will have to call the telephone number provided by the insurer and continue with the process via telephone. That you can be fully insured .

What is an excess and how does it affect my insurance conditions?

An excess, in sickness insurance, is the number of days at the beginning of a sick leave process for which no compensation is payable. Thus, if the insurance policy you take out has an excess, you will have to wait for the established number of days to pass and, after that, you will be able to start collecting the corresponding compensation (according to the policy conditions). In the case of BBVA Allianz Sick Leave for Self-Employed Workers Insurance (ILT), there is no excess .

What exclusions should be taken into account?

An exclusion is a specific situation that is not covered by sick leave insurance for the self-employed. Among the exclusions included in the BBVA Allianz ILT Insurance are: The consequences of illness or accident originating before the commencement date of the insurance contract (even if the consequences of the same persist, manifest themselves or are determined during its validity), as well as incapacities that are in progress at the time of taking out the policy will not be covered. Diagnoses not included in the Table of assessment / Schedule of compensation for temporary incapacity due to accident or illness. The consequences of incidents caused voluntarily by the insured person, including suicide and attempted suicide. The consequences of participation of the insured person in criminal acts, competitions, betting, duels or affray, providing in the latter case that this was not as a result of a legitimate act of self-defense or in an attempt to save persons or property. Accidents arising from the practice of underwater navigation or exploration trips, the professional practice of any sport, as well as the amateur practice of clearly dangerous sports or activities, especially the following: horseback riding, competitive skiing, mountaineering, climbing, canyoning, caving, rafting, bungee jumping, wrestling, boxing, martial arts, underwater diving, aerial sports, motorcycling, motorcycling, rugby, polo, field hockey and any other of similar characteristics. Illnesses and/or injuries caused by or occurring in a state of alcoholism, drunkenness, drug addiction or consumption of drugs or narcotics without medical prescription. Injuries and consequences of surgical operations and medical treatments performed for other than health reasons, such as, for example, cosmetic surgery, sterility or infertility treatments. Rest, thermal or dietary cures and medical check-ups or health controls. For events or phenomena whose coverage corresponds to the Insurance Compensation Consortium, even when such Entity does not admit it due to breach of the rules established in its Regulations or in provisions in force on the date of occurrence of the incident.

What is the scale and how is it applied?

The scale or assessment table indicates the number of days of compensation depending on the medical condition and the coverage amount. The scale lets you know in advance the compensation you are entitled to in the event of temporary disability. Unlike other companies, if the customer recovers before the days set out in the compensation scale, he/she will still be paid the days established in the scale for that pathology. In addition, if the ‘Complete’ modality is contracted, the company extends the period of compensation for temporary incapacity up to a maximum of 30 days, when the situation of temporary incapacity persists beyond the period established in the scale.

Does maternity leave insurance cover maternity?

No, but we give you a single childbirth benefit (which includes a qualifying period). However, any sick leave due to illness or complications arising from pregnancy would be covered by BBVA Allianz Sick Leave for Self-Employed Workers Insurance (ILT). In order to access this benefit, you must have been with us for at least one year.

BBVA Allianz Sick Leave for Self-Employed Workers Insurance (ILT)

Q: Terms and Conditions of the promotion

See the terms and conditions of the promotion.: more information .

Financial support when you can't work

Compensation to cover loss of income if you're on sick leave, accident leave, or hospitalization.
With amounts based on a scale, so you know how much you'll receive.
Deduct up to €500 for this policy on your annual tax return, translating into savings of up to €150.

If you are a company, you can take out this insurance for your employees with help from a BBVA adviser.

Get 15% off for life on BBVA Allianz Sick Leave for Self-Employed Workers Insurance (ILT)

If you apply by August 31, 2026.

Terms and Conditions of the promotion

BBVA Allianz sick leave insurance will help you with:

Accident or illness

If you are on leave and can't work, this insurance helps you supplement what you receive 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.

Much more than a temporary disability insurance policy

It acts as accident insurance and supplements what you get from Social Security.

If you pay the minimum amount of €300 a month; you will get from Social Security: €567.
You must continue to make your self-employment payments, so the amount remaining would be €267.
With BBVA Allianz Sick Leave for Self-Employed Workers Insurance (ILT), for the example above, you would add the payment received from the insurance, giving you €1,500.

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.

Making it easier to cover your expenses as soon as possible

You just need the medical report and the sick leave certificate, as well as the last self-employment tax receipt, to start receiving your payments.