The Sanitas income protection add-on may provide a daily payment if you are hospitalised due to illness, accident or surgery, depending on the policy terms and eligibility. This can be especially useful for autónomos, self-employed workers, business owners, freelancers and expats who may not have the same sick pay protection as an employed person.
The basics
Income protection is an optional extra that may provide a daily financial benefit if the insured person is hospitalised. It is designed to help with out-of-pocket expenses while you are in hospital, rather than replacing a full salary.
Who it's for
For the self-employed
Autónomos in Spain may face financial pressure if they cannot work due to hospitalisation. Income protection may help cushion the impact in situations such as:
For broader self-employed cover, see Protección Total for autónomos and traffic & work accidents cover.
What it helps with
The payment may help with everyday costs during a hospital stay, such as:
Good to know
There may be a qualification or waiting period before the benefit can be used. This should be confirmed before adding the cover.
No. Income protection is a hospitalisation benefit. Protección Total is a broader autónomo-focused complement with different protection features.
No. Accidental death cover provides a lump sum after accidental death or disability. Income protection is different.
This depends on the Sanitas plan and current product rules. Some extras may be possible after the policy starts, while others may need to be selected at application or renewal.
Income protection does not make a policy visa-compliant — visa suitability depends on the main policy. But some self-employed or remote-working applicants may still want extra financial protection.
Get help
Spanish Health Insurance can help check whether Sanitas income protection may be available with your policy and confirm current conditions.
Tell us about your work situation and we will check whether income protection may be available with your Sanitas plan, explain the terms in plain English and request a personalised quote. Acceptance and exact terms depend on the insurer's rules.
We'll check whether income protection can be added to your Sanitas plan — free advice in English.
FAQs
Common questions about Sanitas income protection cover.