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    BBVA Allianz Autónomos Sick Leave (ILT) Insurance

    Buy now and get 10% off the premium during the first year of validity of the policy*
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    ILT Insurance for self-employed workers: supplement your income when you can't work

    In the event of an illness or accident, as specified in the policy for your ILT insurance for self-employed workers.
    • Know in advance how much you will receive.
    • Additional benefit for hospitalization.
    • Coverage for full permanent disability or death.

    Your health comes first

    • Receive daily compensation

      If you are sick or in an accident, Sick Leave Insurance (BBVA Allianz Sick Leave for Self-Employed Workers) makes up for lost wages due to your inability to work. You will receive a corresponding compensation to supplement the Social Security benefit to help you cover any expenses.

      Know how much you will receive

      Together with your ILT for the self-employed policy, we will give you a scale specifying the days of compensation for the type of illness and the coverage amount. That way, you can know in advance how much you are entitled to. Plus, you don't have to file medical reports or hospital discharge papers.

      See example of compensation

    More coverage

    • Hospitalization

      If you are admitted to a hospital, you receive a daily amount based on the type of policy you have. This amount is added to your compensation for sick leave and to the Social Security benefit.

      Full permanent disability or death

      The Sick Leave Insurance (BBVA Allianz Sick Leave for Self-Employed Workers) also doubles as occupational accident insurance. In the event of full permanent disability or death due to this cause, it pays out the compensation specified.

    You just need the following documentation to start receiving your daily benefit:

    • Medical certificate (Copy for the Worker).
    • Medical report detailing the cause of the sick leave, the initial diagnosis date and the recommended treatment.
    • Social security payment for the month of sick leave or updated employment history.

    Set up your sick leave insurance for self-employed workers

    • Which is the right type of policy for you?

      BBVA's sick leave insurance for self-employed workers has three options: Essential, More and More Security. They all include the same coverages but with different amounts of compensation.

      See options

      Convenient payment options

      The premium is calculated based on your age, profession and policy type. Your choice of payment deferral options: monthly, quarterly or half-yearly.

    Tax relief for being self-employed

    • 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: it will be classified as a capital gain.
      • Compensation for Absolute Permanent Disability; as a general rule, it will be subject to Personal Income Tax and will be considered as capital gains.
      • Compensation for the death of the insured person: in general, it is subject to the General Inheritance Tax.

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