BBVA SME Sick Leave (temporary sick leave) Insurance

BBVA SME Sick Leave (temporary sick leave) Insurance

No doubt you want to keep your income in the event of sick leave.

  • Maintain your income when you are absent from work due to an illness or accident by receiving a daily compensation payment.

  • Receive a discount of up to 15% with BBVA EstarSeguro Plan.

  • Request more information about your sick leave insurance policy.

What is the Sure Leave From work SMEs BBVA?

It's an insurance plan designed for professional freelancers that allows them to receive payment during a temporary medical leave due to illness or accident, or in the event of death or permanent disability caused by accident. 

There are three types of sick leave insurance policies: 

  • Essential.
  • More
  • More Security.

Who is this sick leave insurance policy intended for? 

Freelancers registered in the SS special scheme for freelance workers. or in professional associations. The insured party is always an individual, the policyholder being either a natural or legal person.

What are the main characteristics?

  • We offer you three different formats that cover the following benefits:  
    • Temporary disability due to accident or illness.
    • Indemnity in the event of hospitalization.
    • Total Permanent Disability due to Accident.
    • Death due to Accident.
    • Death due to heart attack identified as a work-related accident.
  • With a predetermined indemnity according to the cause based on a scale that you will be able to see in advance.
  • Payment facilities: you can choose between half-yearly, quarterly and monthly payment, to adapt it to your income calendar.

What requirements are necessary to take out this sick leave insurance policy?

You must fill out a simple medical questionnaire, and if necessary we will arrange for a medical interview by telephone or a medical exam. 

To take out this sick leave insurance policy you must be aged between 18 and 60.

If you have any questions, consult your personal adviser.

Sum insured (depending on the chosen modality).

Essential More More Security
Temporary disability due to accident €30 € 60 €90
Temporary disability due to illness €30 € 60 €90
Daily indemnity during hospitalization (accident or illness) €30 € 60 €90
Death by accident €30,000 €60,000 € 90,000
Death by heart attack (work-related accident) €15,000 €30,000 €45,000
Full Permanent Disability by Accident €30,000 €60,000 € 90,000


  • In the event of accident: does not apply.
  • In the event of illness: 6 months.
  • For cases of spinal disk herniation, lower back pain, upper back pain and neck pain (all those not expressly excluded in the policy): 12 months.
  • For risks during childbirth, a 12-month waiting period will be applied from the date the policy takes effect.

() Glossary

Waiting period: the time which must pass from the date of the insurance contract and the possibility of requesting specific services or coverage.

What is it?

With the BBVA EstarSeguro Plan, group the payment for your BBVA insurance policies into one single bill, split the payment over 12 months from the first insurance policy you include and you can save up to 15% (from the second insurance policy included).

The process is carried out with a virtual card specially designed for this purpose, which includes no issuance or maintenance fees, and enables you to split all of your insurance policy payments into monthly installments.

How do I include the insurance policies?

The BBVA insurance products you can include are auto, motorcycle, home, health, life, and accident (you cannot include life insurance from Catalunya Caixa, Salud Pymes Insurance, auto insurance co-insured with Mapfre, or BBVA Accident Protection Insurance).

You can include more than one insurance policy for the same product (for example, two car insurance policies), provided you are the policy holder. 

If you do not have any insurance policies, you must register for the Plan before taking out your insurance policy. In this way, you will start to make monthly payments for your policy straight away. 

Once you have your Plan, whenever you take out a new insurance policy, we will ask you whether you want to include it. 

Plus, you will always have the option to include your BBVA insurance policies at a later date, easily from the BBVA app or website.

When are the insurance policies activated in the Plan?

Once an insurance policy is activated, you start to pay for it on a monthly basis, and increase your percentage savings (the more insurance policies you have, the greater the savings you could make).

If you include them when taking out the contract of the policy, it will be activated when each of the policies becomes effective.

If you decide to include them later, or wish to include insurance policies you have already taken out, each one will be activated on its respective renewal date (since you have already paid the annual premium for the policy), or on the payment date of the next bill of the current insurance policy annuity (for example, an insurance policy paid in installments: half-yearly, quarterly, etc).

How much can I save?

The greater the number of insurance policies that you include, the greater the savings, up to 15% on all included policies. Start saving 5% on your bill from the second insurance policy included. 

Number of insurance policies included Saving percentage
2 5%
3 7%
4 9%
5 10%
6 11%
7 12%
8 13%
9 14%
10 or more 15%

Monthly bill and saving calculation

To calculate the monthly bill and the discounts the insurance policies included and active in the Plan are considered. For example, if you have two car insurance policies activated, with annual premiums of €360 and €420 respectively, each month you will pay 1/12 of the annuity for each of them, i.e. €65 (€30 and €35). But since there are two insurance policies activated we would apply a 5% discount, meaning that each month you would pay €61.75, for a savings of €39 per year.

The % of saving and the monthly bill will be updated as the insurance policies are activated. For example, if you sell one of your cars and you no longer need the €420 policy, at this point your monthly bill will drop down to €30, without any discounts.

What insurance plans can I include in BBVA EstarSeguro Plan? 

The BBVA insurance products you can include are auto, motorcycle, home, health, life, and accident (you cannot include life insurance from Catalunya Caixa, Salud Pymes Insurance, auto insurance co-insured with Mapfre, or BBVA Accident Protection Insurance).

Insurance company 

BBVA Seguros, S.A. de Seguros y Reaseguros, registered in the Registry of the Directorate-General for Insurance and Pension Funds under number C-0502. 


BBVA MEDIACIÓN, OPERADOR DE BANCA-SEGUROS VINCULADO, S.A. registered in the Special Administrative Record of Insurance Brokers of the Directorate-General for Insurance and Pension Funds under registration number OV-0060. With Civil Liability Insurance arranged and sufficient financial resources.