Temporary disability insurance

Temporary disability or sick leave insurance is designed to compensate any worker, whether self-employed or employed, for the loss of income suffered as a result of temporary incapacity due to illness or accident, whether or not related to work.

What is an excess and how does it affect the terms of my insurance?

An excess is the option to pay for the costs of a period of sickness at your own expense for a certain period of time. This way, you will not receive benefits for sickness periods shorter than the deductible you have chosen and payment will not start until the sickness periods exceed the specified period.
You can choose between the following excess options:

• 7 days
• 15 days
• 30 days

If you choose an excess, the cost of your self-employed insurance will be cheaper.

Who makes the sick note and how do I report my sick leave?

Sick leave due to a non-work-related event can only be granted after an examination by a Spanish primary care doctor (Seguridad Social). During this examination, the doctor must have established that you are unable to perform the duties of your job due to an illness or accident (e.g. car accident) that has made you unable to work.
In any case, the reasons must not be related to the type of occupational activity carried out by the employee.
Finally, if the doctor determines that you are incapable of work, he or she will also determine the period of time you need to recover until you are discharged and can resume your work.
If the incapacity for work is due to an occupational event, the determination of incapacity for work is the responsibility of the mutual social security institutions.
The insured person has 7 days to notify the sick leave situation and send us the sick leave notification and then its confirmations and any reports.

Waiting periods

This is the time that must elapse from the effective date of the insurance until the coverage guarantees provided by the insurance take effect.

All benefits can be claimed from the first day with the exception of:

• Sickness, hospitalisation and operations: 2 months.
• Absolute and permanent disability: 3 months
• Pregnancy, miscarriage, childbirth and puerperium: 8 months.

No waiting periods apply if the incapacity for work is the result of an accident suffered.

When will I receive payment for my sick leave?

You will receive your money after the incapacity for work has been lifted. From this point onwards, you will receive the contractually agreed daily rate multiplied by all the days on which you were on sick leave due to incapacity for work. If you need more time for a full recovery, we will give you the necessary advance from the 40th day.

Bohemia Mallorca trusts in the products of all well-known insurance companies in Spain. Thus, we can offer insurance from DKV, Axa, Mapfre, Fiatc, Asisa, Allianz, Ergo and Helvetia.