Self-employed sick pay insurance in Spain

No. Sick pay insurance by fixed schedule is taken out with a short health questionnaire, with no medical examinations or blood tests before signing.

No, that's the advantage of the schedule system. Allianz pays the full amount for the days set in the official schedule as soon as you present the initial diagnosis. If you recover sooner and go back to work, you keep the rest.

No. With the schedule system, Allianz pays the full benefit into your bank account a few days after you present the initial sick note with the diagnosis, so you have cash to pay your suppliers.

There's no waiting period for sick leave caused by an accident. For illness, a waiting period of 60 days from the start of the policy applies.

No. The Allianz schedule is adjusted to your declared profession, so a manual trade such as a plumber or a driver is paid more days for a bone or muscle injury than an office worker.

Yes. Private sick pay is fully compatible with and independent of Social Security benefits: you receive your public benefit and, separately, the full amount set in your Allianz policy.

It depends on the timing. If you relapse with the same condition shortly after being signed back to work (usually within 6 months), it's treated as the same period of leave and cover resumes if you hadn't used up the maximum days. After a longer period, it's a new claim.

Yes. The schedule pays calendar days: if your injury is set at 30 days and you chose €50 a day, you receive €1,500, whether or not there are weekends or holidays in that period.

Sick pay policies usually have significant exclusions for psychiatric conditions because they're hard to assess objectively. Ask us, as the higher plans may include limited cover, for example for emergency psychiatric hospitalisation.

For serious conditions that need long hospital stays or major surgery, the Integral, Superior and Premium plans include a surgery benefit: a one-off payment of up to €5,000 on Integral and up to €10,000 on Superior and Premium. On top of that, every plan extends your benefit by up to 30 more consecutive days if your leave lasts longer than the schedule, and Premium extends it up to a maximum of 365 days.