Disabilty insurance in Spain

If, as a self-employed person, you are unable to work due to temporary incapacity and this is due to an occupational illness or an accident at work, you will receive 75% of the basic regulatory amount from the day after the accident or illness. In other cases, you are not entitled to benefits for the first 3 days. From the 4th to the 20th day, you will receive 60% of the basic regulatory amount, and from the 21st day, you will receive 75% of the basic regulatory amount.

With the minimum contribution as "autónomo", this basic regulatory amount is €960.60. From this amount, during the time you cannot work, you still have to pay the "autonomo" contribution every month. The amount remaining is therefore minimal, so it is important to further cover this risk by taking out temporary disability insurance. This is called "Renta" insurance in Spain.

With a “Renta¨ insurance, a fixed amount per day is set and you can choose whether or not there is a waiting period on the policy and how long you will receive payment, up to two years. Determining the waiting period depends on when you face loss of earnings. For some this is earlier than others. If you have a business partner, or staff who can take over tasks for you for a certain period of time, you will be "expendable" for longer than if, for example, you have a hairdressing salon and actually face loss of earnings from the first day you are unable to work.

A perhaps lesser-known reason to take out disability insurance is for hedging against the possible long-term illness of a staff member. Imagine that, as a small business owner, you have to deal with an employee falling ill for a long time. This can have major economic consequences for you as an employer, because besides having to continue paying the employee for a large part, you also have the additional costs of hiring a replacement staff member.

Of course, the premiums depend on occupation and age, but to get an idea, we list two examples below:

Example 1:

Policyholder and beneficiary: Employer

Insured: Administrative assistant

Sum insured per day: €30

Waiting period: 30 days

Max. benefit: from day 31 to day 730

Monthly premium: 15€

Example 2:

Policyholder, insured and beneficiary: Self-employed person

Profession: Carpenter

Sum insured per day: 40€

Waiting period: 15 days

Max. benefit: from day 16 to day 730

Monthly premium: 40€

Does a "Renta" insurance also have any tax advantages? Yes, depending on each person's situation, as a self-employed person, €500 is usually tax deductible.

Customer experiences



Fantastisch op weg geholpen door vooral Evita. Voelt als serieus te worden genomen en dat geeft vertrouwen.... Continue reading


Ad Kolsters

Fantastische service, altijd snel, betrouwbaar en vriendelijk. Pas 1 schadeclaim gehad met auto, werd direct en zorgvuldig voor me geregeld. Ook nieuwe verzekering aanvragen snel en duidelijk. Prijs iets... Continue reading


Pauline Lindhout

Ik ben erg tevreden en dan met name over de vriendelijke mensen die daar werken. Snel antwoorden van mails, en vragen. Zeer klantvriendelijk Dank jullie wel... Continue reading



Voor vertrek naar Spanje de verzekeringen geregeld. Men is zeer behulpzaam en geduldig met uitleg. Ook is het telefonisch overleg goed en merk je dat de dames (in mijn geval Yentl en Laura) meedenken en... Continue reading

× Home About us General Private care Health insurance cover Quotation Are you retired? Emigrate Seguridad Social News Customer experiences F.A.Q. Blog Contact us Apply directly