Our first insurance policy helps you rest when you need it the most


Autónomo Comerciante

So what is short-term disability insurance?

It’s an insurance policy that pays you a daily compensation (€30, €60 or €90 depending on the policy purchased) in the event that you are unable to work temporarily due to medical reasons, you will receive your payment in one lump sum.

Muno’s short-term disability insurance is underwritten by BBVA Seguros SA.

Autónomo Abogado

So who’s eligible?

You are, if you are self-employed, under 59, and meet some health requirements, you're good to go.

Some jobs are considered too high risk and are excluded from the policy.

If you want to ask us about your personal situation, you can call us at 900 89 79 34 and we’ll be happy to answer any questions you may have.

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Autónomo Arquitecto

What’s covered? What’s not covered?

Short-term disability insurance covers you in case you are unable to work due to serious injury or illness. Illnesses of seven days or less, and some accidents and illnesses caused by certain circumstances are not covered.

However, we do recommend you check out this list of common illnesses excluded from the policy.

ESCheck out the document

Autónomo fisioterapeuta

Chart of the days assigned and compensation

Once your doctor has diagnosed your illness, we use an illness chart to establish the number of leave days allowed under the policy.

This is the same chart BBVA Seguros uses, which is based on the chart used by Seguridad Social. From this chart we calculate the amount you will receive.

Be aware that the assigned number of days of leave assigned vary according to the sick leave given by your doctor, who checks your health from time to time and determines how much additional time off to provide. Each medical condition carries a fixed number of days off, regardless of the time you need to recover.

ESCheck out the illness chart

Autónomo Comercial

Is there a grace period?

At Muno, you can make a claim on your first day on the policy. Just be aware that during the first 6 months the maximum amount we can pay out is what you have paid in. Just be aware that during the first 6 months the maximum we can pay out is what you have paid in.

For example, if you have paid three months worth of premiums of €19/mo., your maximum compensation will be limited to €57.

Do you want more information?
Autónomo

Filing a claim is easy

Upload a photo of the completed medical form on Your Account, making sure that all the details can be seen clearly.

Under the short-term disability insurance policy Muno offers, there’s no annual limit for claims, but at least one month must separate different medical conditions, and six months between claims for the same condition.

Autónomo

Collect the full amount in one go!

We act on your claim quickly so you’ll get a response and payment quickly as well. And we pay the total compensation in your account in one lump sum, so you don’t have to worry about your finances while you recover.

Autónomo Abogado

And at the end of the year, if there’s money left over, we’ll give it back to you.

Muno takes only a fixed amount of profit to manage the plan. The rest of the money goes toward making sure you stay protected.

It’s like a common fund from which we draw money when something goes wrong. You can check how much money is available at any time and how it's been spent.

But if all goes well and funds remain, you get back a portion of what you’ve paid in. Really! We report information on how the fund is growing and being spent, and at the end of the year we reimburse each participant with a corresponding amount.

That’s Muno. What do you think?
Grupo de autónomos
Want to continue in Spanish?

This insurance policy service is aimed at Spanish freelancers. If you choose to continue, the sign-up process will be in Spanish

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