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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.
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
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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*
      Calculate the price of your policy and get this discount until March 31.
      More information (PDF)
      Calculate

      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.
      Apply

      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.

        *See Legal Terms and Conditions

      Save with the Plan EstarSeguro

      • BBVA Plan EstarSeguro

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

      Apply for BBVA Sick Leave Insurance

      Apply

      Would you like more information?

      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 Seguros or another company, the waiting 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.

      You might also be interested in

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        • More than 50,000 professionals and 4,200 medical centers.
        • Healthcare, tests and hospital stays.
        • 24-hour emergency service.
        More information
        Apply
      • Civil Liability Insurance

        BBVA Allianz CL SME:

        • Cover indemnities and legal defense costs
        • Protects against possible third-party claims.
        • Coverage tailored to your professional activity.
        More information
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      • CyberInsurance for SMEs and self-employed workers

        BBVA Allianz Cyber:
        • Protect your business against computer attacks.
        • Professional and legal advice.
        • Compensation if data is lost or stolen.
        More information
        Apply
      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
      Apply
      Offer valid during current month
      1. Insurance
      2. Temporary incapacity sick leave insurance
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