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Short-term Disability Protection
only for Freelancers

Receive €30, €60, or €90 per day if you get sick or have an accident.

Get a quote

Insurance that helps you rest when you need it the most

From 19€ a month, the short-term disability insurance gives you 30€, 60€, or 90€ per day if you have get injured or sick and can’t work temporarily. Oh! And you receive the lump sum all at once.

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Fiscal benefits
Deduct up to 60% of the IRPF**.
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Flexible
Choose a monthly plan and cancel anytime.
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100% Digital
Sing up and report any claim from your mobile phone or laptop.
How works

How does it work?

This is James. He owns a florist's. His achilles tendon has broken so he's going to be on injury leave for 90 days. 90! Easier said than done!
But James, well, he can't be bothered! Because with Muno and the Short Term Disability Protection provided by BBVA Seguros he will receive € 9,900

With Logo light
Flourishing!
Iltslider2
90 90€
days of leave Rate
1.800€
approximately from Social Security
=
9.900€* * according to scale
Iltslider2
Iltslider
Without Logo light
A bit under the weather, because he can't afford to close the florist's for a few days
Iltslider
0 0€
days of leave Rate
1.800€
approximately from Social Security
=
1.800€ Approximately from Social Security for a 90 days leave

Find out all the benefits and features of the insurance

Confeti

All about Seguro de Baja Temporal

Coverages

Our Short-term disability insurance allows you to receive a compensation of 30, 60 or 90 euros a day depending on your rate, if you are on sick or injury leave. All at once in a lump sum

Limited coverage

In other words, since when are you covered? In case of accident leave, you are covered from the first day.

In case of sick leave, during the first 6 months the maximum amount you can receive is the same you have already paid (or its equivalent if you paid annually). For example, if you pay 39€ /month and you took out you Baja Temporal insurance 4 months ago, the maximum you will receive in total will be € 156.

Scale

The scale includes all the pathologies and associated recovery days. With it we can establish the leave duration. That scale is provided by BBVA Seguros, and is based on the Social Security scale. With he pathology stablished on your medical report and the premium you pay that appears in your low part, and depending on the premium you pay, we can calculate the compensation you will receive.

All pathologies shorter than 7 days (for example, flu, extraction of teeth, colds ...) are not included because we apply a franchise to improve the final price .

Go to scale

Read the information note

Report a claim from home

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Take a picture of your disability report (the copy for the worker, not the company report). Also, if you have it, you can take a picture of the emergency room report. The more information we have, the better. And that’s it! Just make sure the picture is clear and everything is legible.

Two rates according to your profession. No surprises.

Rate one

If you're a physical therapist, translator, musician, travel or real estate agent, psychologist, optometrist, podiatrist... this is your rate.

See the list of included professions

Sign up

Get 30€ per day while on leave for

19€

per month

Get 60€ per day while on leave for

39€

per month

Get 90€ per day while on leave for

59€

per month

Sign up

See the list of included professions

Get 30€ per day while on leave for

217,53€

per year
(You save 11,45€)

Get 60€ per day while on leave for

445,51€

per year
(You save 23,45€)

Get 90€ per day while on leave for

663,99€

per year
(You save 34,95€)

Sign up

See the list of included professions

Rate two

If you’re profession isn’t included in the previous list and you’re a doctor, driver, craftsman/tradesman, taxi driver, construction worker, electrician, mechanic, here are your prices.

See the list of included professions

Sign up

Get 30€ per day while on leave for

26€

per month

Get 60€ per day while on leave for

54€

per month

Get 90€ per day while on leave for

81€

per month

Sign up

See the list of included professions

Get 30€ per day while on leave for

293,53€

per year
(You save 15,45€)

Get 60€ per day while on leave for

607,01€

per year
(You save 31,95€)

Get 90€ per day while on leave for

910,99€

per year
(You save 47,95€)

Sign up

See the list of included professions

Don’t know what rate is right for you?

We’ll give you a hand

We're also here when things are going well
Because at Muno, we only sell insurance with participation in the profits.

What does this mean? Well it means, that if at the end of the year there are few accidents or services rendered, and there are benefits, these are shared among the insured members.

Oops! We are still working in english version. Sorry for the inconvenience.