Sickness and Accident Insurance

If you are self-employed, you do not have the same rights as employees if you become seriously ill or injured. That’s why it is important to carefully review Critical Illness and Accident Insurance options.

Sickness and Accident Insurance is specifically designed for those who are self-employed and can be tailored to individual needs. It protects you against income loss that may result from serious illnesses and accidents, whether short-term or long-term.

Sickness and accident insurance covers temporary and permanent consequences of accidents and diseases. It is a combined insurance and you can choose the options that are best suited to you and your situation.

Who Is Sickness and Accident Insurance For?

How Can the Insurance Be Tailored to My Needs?

How Much Does Sickness and Accident Insurance Cost?

How High Are the Benefits?

What is covered?	What is not covered?
Sickness insurance pays benefits if an illness causes:	Sickness insurance does not cover:
Temporary incapacity for work. Permanent medical disability rated at least 25%.	Diseases caused by use of drugs and alcohol.
Accident insurance pays benefits if an accident causes:	Accident insurance does not cover:
Death. Temporary incapacity for work. Permanent medical disability.	Injuries that happen while participating in a physical fight or during a criminal act. Accidents caused by use of addictive substances.

Any limitations on what the insurance covers?

The insurance does not cover accidents or diseases caused by tanning beds or medical treatments.

Where is the insurance valid?

The insurance policy is valid anywhere in the world.

What responsibilities do I have?

You must report any damage as soon as possible and no later than one year from the date of the damage.
You must ensure that all the information in the insurance policy is accurate.
You must inform us of any changes in your address, telephone number, and email address.
You must follow all the precautions in the terms of the insurance policy.

When and how do I pay the premium?

The premium must be paid on the due date. When the insurance policy is issued or renewed an electronic claim is created in your online bank. You have the option to distribute the premium payments by:

Credit card payment, where the premium is charged monthly to a credit or debit card.
Direct payment, where your bank account is debited monthly.
Corporate distribution, where the premium can be paid in monthly payments.

When does the insurance start and when does it end?

The insurance policy takes effect upon receipt of a written and complete application from you, provided it is approved. A written application also refers to an electronic application.

How do I cancel the insurance?

Individuals and companies with fewer than five full-time positions can cancel the insurance at any time and it will expire at the end of the following month after the cancellation is received. Other companies can cancel their insurance one month in advance before the end of the insurance period.
The cancellation must be in writing, for example with an electronic signature.

Download information sheet

Download terms

Make a claim

What is covered?	What is not covered?
Sickness insurance pays benefits if an illness causes:	Sickness insurance does not cover:
Temporary incapacity for work. Permanent medical disability rated at least 25%.	Diseases caused by use of drugs and alcohol.
Accident insurance pays benefits if an accident causes:	Accident insurance does not cover:
Death. Temporary incapacity for work. Permanent medical disability.	Injuries that happen while participating in a physical fight or during a criminal act. Accidents caused by use of addictive substances.