Health Insurance for self-employed workersOn June 29, 2019 by John Albarran
Self-employed workers face a whole series of advantages and disadvantages, with many differences in the coverage of their needs that separate them from salaried employees. The main one, is in the economic uncertainty, the majority of the autonomous ones do not know their final remuneration which depends on their work, so if they have an accident or they fall ill the economic consequences for the whole family unit are very important.
Benefits that would help alleviate this situation
In addition to not receiving income, benefits that would help alleviate this situation are often insufficient in most cases. The coverage of common illness and non-occupational accident (common contingencies) is mandatory for all self-employed workers, except for workers incorporated into the Special System of Agricultural Workers on their own, in which it is voluntary. On the contrary, the obligation to have the contingencies derived from the accident at work and occupational disease (professional contingencies) protected only by the economically dependent self-employed and those engaged in professional activities with a greater risk of accidents.
We cover one or both contingencies, the Temporary Disability entitles a subsidy to alleviate the lack of income of the worker while receiving health care and remains disabled in a maximum period will be 12 months, extendable for another 6. Regardless of the maximum time, the greatest We have a problem with the economic benefit, which for the most common cases, the low days, are the most limited. Thus, in case of a common illness or non-work accident, nothing is charged for the first 4 days, 60% will be applied from day 4 to 20 of the leave and 75% from day 21 of the leave. In the event of a work-related accident or occupational disease, 75% will be applied from the day after the leave, provided that the interested party had opted for the coverage of professional contingencies which, as we have seen, is voluntary in many cases.
With these few perceptions and without forgetting that even if you are on leave, you must continue to contribute to the special autonomous system and pay your fee, the economic benefit is very limited. If it is quoted for the minimum base, we would receive the equivalent of about 17 euros per day (the equivalent of 515 euros per month), between days 4 and 20, and 643 euros per month from day 21. If we take away what you pay for your Autonomous fees from the second month would have 386 euros net per month of income.
The advantages of health insurance
All this makes the fundamental health insurance for the self-employed, whose main objective will be to recover work activity as soon as possible and therefore it is necessary to have the best medical care quickly, avoiding the slow waiting lists of the public system. If, in addition, our work requires us to travel frequently, having excellent medical coverage including other related expenses such as moving to our country makes it even more important.
To this we add another great advantage, the hospitalization benefits that many insurances incorporate and that suppose an additional money that complements the limited provision of social security. All this, with tax benefits, a private health insurance allows you to deduct up to 500 euros a year in the tax return, including spouse and descendant policies. Many advantages to make health insurance an ideal complement for the self-employed worker.