Income protection insurance for independent professionals (GIGers)

Income protection insurance covers the following risks:

1. Total temporary disability due to accident or illness
2. Total permanent disability due to accident or illness
3. Disability resulting from an accident
4. Death due to an accident

Income protection insurance takes into account all sources of income generated personally in a specific profession (PKD) from self-employment. However, income from other sources not directly resulting from the personal performance of the profession specified in the policy—such as dividends from company shares, income from investments and securities trading, rental income, etc.—is excluded.

Income protection insurance is designed for lawyers, attorneys, legal advisors, IT specialists, accountants, business consultants, and advisors aged 18-65, with an average monthly income of at least PLN 10,000 net.

The insurance premium depends on the level of coverage. Register and check it out.

The insurance can be taken out for a period of 12 months. The premium is paid monthly.

The insurance protection is valid worldwide, with the exception of war-related risks.

To receive the monthly benefit for temporary disability, the following documents are required: a medical certificate (e-sick leave) along with a doctor’s statement, medical documentation, hospital discharge report, certificate of rehabilitation allowance, or a decision regarding temporary disability to work, etc., confirming the fact of total temporary incapacity for earning income.

Yes.

It is not required for foreign applicants to have a temporary or permanent residence card or a work permit. However, it is important that they are connected to Poland through their place of work or residence, or through dual citizenship or marriage.

Yes.

Any other types of amateur sports activities not listed in the terms do not increase the risk, which would require a higher premium. However, it is important to note that the insurance conditions exclude coverage for professional sports participation and competition in events where monetary prizes are awarded.

To file a claim or complaint regarding the coverage, please contact Leadenhall directly:

Leadenhall Insurance S.A.
Domaniewska 42
02-672 Warsaw
Phone: +48 (22) 380 42 40, available from 9:00 AM to 5:00 PM on business days
Email: [email protected]

The insurance does not cover:

• Payments exceeding the policy limit (sum insured), as specified in the policy for each benefit category
• The insurer’s liability during the waiting period, which begins when total temporary disability occurs, during which no benefits are payable
• Benefits after the compensation period has expired, i.e., the maximum period for payment of benefits for total temporary disability
• Benefits for total temporary disability if the insured returns to work in the profession specified in the policy or if the insured’s condition no longer meets the definition of total temporary disability
• For total permanent disability, a condition for the payment of benefits is the insured’s written commitment to repay the insurer if they return to work in the profession after receiving the benefit
• If exclusions are not specified in the application and confirmed in the policy, the protection also excludes risks related to active life, such as: cave exploration, mountaineering off the trails, gravity cycling, white-water kayaking or rafting, risky diving, ocean and sea sailing as a crew member, horse jumping, risky skiing (e.g., off-piste), hunting with firearms, quad biking, and flying for purposes other than as a passenger on commercial airlines.

The limitations of the insurance coverage include:

• Claims related to illnesses or bodily injuries of the insured, or their consequences, that were the subject of medical consultations or treatment under a doctor’s supervision within 36 months before the continuity date specified in the policy (except for medical conditions agreed upon with the insurer and confirmed in the insurance contract, or those that, due to improvement, did not require medical consultations or treatment under a doctor’s supervision for a continuous period of 24 months starting from the continuity date). The continuity date is usually the first date of the insured’s coverage under the terms LW044/AD_D_TTD_PTD_P1, ensuring continuity of the insurance periods of successive policies.
• Claims related to pregnancy, childbirth, and any complications associated with them
• Claims related to degenerative diseases of the spine or joints, arthritis, or any other degenerative processes affecting the spine, joints, bones, muscles, tendons, or ligaments
• Natural death of the insured
• Suicide, attempted suicide, intentional self-harm, or the insured being in a state of insanity
• Intentional exposure of the insured to exceptionally high life-threatening risks (except when attempting to save a human life)
• Intentional crimes committed by the insured or attempts to commit such crimes
• Being under the influence of alcohol above 0.5‰ or under the influence of drugs, narcotics, or other pharmacological substances with similar effects
• Employment that corresponds to a higher occupational risk class (from I – lowest to V – highest) than the class specified in the policy
• In the case of total permanent or temporary disability, if the sole cause of the disability is neurosis, psychoneurosis, psychopathy, psychosis, anxiety states, stress, exhaustion, mental illness, or emotional disorders of any type.