Discover peace of mind by protecting your income
For those whose income depends on what you do each day, we offer an insurance policy that gives you the peace of mind of being able to protect it.
Our Temporary Incapacity to Work Insurance, enables self-employed workers and professionals to guarantee their income in the event of sick leave due to illness or accident.
What cover do we offer?
It is a compensation insurance in the event of illness or accident that also enables a series of risks that are present in the daily life and work of many professionals to be covered through complementary guarantees such as daily hospitalisation due to illness or accident and surgery.
What does this insurance offer?
Characteristics of our Temporary Incapacity to Work Insurance
Compensation for sickness and accident:
2 months
Hospitalisation due to illness and accident:
2 months
Surgery due to illness and accident:
6 months
Pregnancy and childbirth:
8 months
Oncological pathologies, hernias, lumbago, back pain:
12 months
For claims with the same diagnosis:
90 days
We want to debunk some myths regarding Temporary Incapacity to Work Insurance
False. Your health insurance may cover part of your medical expenses but the Temporary Incapacity to Work Insurance offers compensation in the event of both illness and accident.
False. Although you have a job that is considered to be “safe”, you need the accident insurance to cover any accidental injuries that may occur at any time, even outside work.
False. An accident may occur at any time, regardless of your health and age.
False. Life insurance can provide financial protection for your family in the event of death, but it will not cover you in the event of illness or accident that does not result in death.
Wouldn't it be better to have those savings for other unforeseen events, or for retirement? With this insurance, you foresee a drop in income in the event of an accident or illness, because you can maintain your liquidity without touching your savings for a small cost.
This insurance is for both employees and self-employed workers. Although you will continue to be paid, generally speaking, there are days that you don't get paid and you will be paid between 60% and 75% of your contribution base for the other days, so the real loss can be considerable.
There are few exemptions and they do not apply in the event of an accident.
No. One of the advantages of our Temporary Incapacity to Work Insurance is its independence from the Social Security in order to get paid and continue working, as you only need a medical report.
Cover contracted
What will you receive from the Social Security?
If you contribute at the minimum base, paying €300 per month, Social Security will pay you: € 567 .
You will still have to pay the self-employed worker contribution, so the amount you will receive will be € 267 .
What compensation will you receive with our Temporary Incapacity to Work Insurance?
Grounds/Reason: retinal detachment surgery (with 4 days of hospitalisation).
Sick leave days set out in the charts: 46 days.
Amount to be compensated with basic Temporary Incapacity to Work Insurance cover: € 60 /day x 46 days; you will be paid € 2.760 .
The total amount you will be paid is €5,250.
Temporary incapacity to work insurance contracted with Cajamar Seguros Generales, S.A. de Seguros y Reaseguros, mediated through Cajamar Mediación, Operador de Banca-Seguros Vinculado, S.L.U., Tax Code B-04428223, Calle Ciudad Financiera, 1 04131 – Almería, registered in the special administrative register of insurance intermediaries, reinsurance brokers and their senior managers, of the Directorate General of Insurance and Pension Funds (DGSFP) with the registration code OV0014, with a civil liability policy in force, in accordance with Art. 152, point 1, letter G of Royal Decree-Law 3/2020, of 4 February, on urgent measures. Consult www.grupocooperativocajamar.es/aseguradoras the insurance companies with which the Associated Bank-Insurance Broker has a brokerage.
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