{"id":1432,"date":"2025-04-08T08:47:10","date_gmt":"2025-04-08T08:47:10","guid":{"rendered":"https:\/\/cobertia.cat\/?page_id=1432"},"modified":"2025-05-07T13:03:55","modified_gmt":"2025-05-07T11:03:55","slug":"seguros-incapacidad-temporal","status":"publish","type":"page","link":"https:\/\/cobertia.cat\/es\/assegurances\/empreses-autonoms\/assegurances-incapacitat-temporal\/","title":{"rendered":"Seguros de Incapacidad temporal"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1432\" class=\"elementor elementor-1432\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9e6a412 e-con-full e-flex e-con e-parent\" data-id=\"9e6a412\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6c3ba07 e-con-full e-flex e-con e-child\" data-id=\"6c3ba07\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6eb3773 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6eb3773\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Protecci\u00f3n econ\u00f3mica en caso de baja laboral<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f1c85d3 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"f1c85d3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-470fbe8 elementor-widget elementor-widget-heading\" data-id=\"470fbe8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfPor qu\u00e9 contratar un seguro de incapacidad temporal?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2036e3 elementor-widget elementor-widget-icon-box\" data-id=\"b2036e3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tVentajas de contratar tu seguro por incapacidad temporal con una corredur\u00eda experta\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-304e6aa elementor-widget elementor-widget-text-editor\" data-id=\"304e6aa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"\" data-start=\"439\" data-end=\"735\">Una baja laboral puede afectar gravemente a la econom\u00eda de un aut\u00f3nomo o de un profesional liberal. El seguro de incapacidad temporal garantiza una <strong data-start=\"582\" data-end=\"606\">indemnizaci\u00f3n diaria<\/strong> mientras dure la inactividad, permitiendo cubrir gastos fijos y mantener la estabilidad financiera durante el per\u00edodo de recuperaci\u00f3n.<\/p><p class=\"\" data-start=\"737\" data-end=\"926\">Es un seguro muy recomendado para <strong data-start=\"778\" data-end=\"832\">aut\u00f3nomos, directivos, trabajadores por cuenta propia<\/strong> y empresas que quieran ofrecer esa ventaja como complemento retributivo a sus empleados.<\/p><h4 data-start=\"1131\" data-end=\"1193\"><strong data-start=\"1139\" data-end=\"1193\"><br \/>\u00bfQu\u00e9 incluye un seguro de incapacidad temporal?<\/strong><\/h4><p>\u00a0<\/p><ul><li data-start=\"1197\" data-end=\"1264\">Renta diaria garantizada por baja m\u00e9dica por enfermedad o accidente<\/li><li data-start=\"1197\" data-end=\"1264\">Pago desde el primer d\u00eda o despu\u00e9s de un per\u00edodo de carencia<\/li><li data-start=\"1197\" data-end=\"1264\">Cobertura dentro y fuera del \u00e1mbito laboral<\/li><li data-start=\"1197\" data-end=\"1264\">Ampliaci\u00f3n opcional por hospitalizaci\u00f3n o intervenciones quir\u00fargicas<\/li><li data-start=\"1197\" data-end=\"1264\">Compatibilidad con otras prestaciones p\u00fablicas o seguros privados<\/li><li data-start=\"1197\" data-end=\"1264\">Opci\u00f3n de cobertura por embarazo y parto (seg\u00fan condiciones)<\/li><\/ul><h4 data-start=\"1131\" data-end=\"1193\"><strong data-start=\"1139\" data-end=\"1193\"><br \/>Modalidad y coberturas adicionales<\/strong><\/h4><p>\u00a0<\/p><ul><li data-start=\"1808\" data-end=\"1880\">C\u00e1lculo de la renta seg\u00fan ingresos habituales o cantidad fija pactada<\/li><li data-start=\"1808\" data-end=\"1880\">Modalidades con carencias personalizables (3, 7, 15, 30 d\u00edas\u2026)<\/li><li data-start=\"1808\" data-end=\"1880\">Indemnizaciones adicionales por hospitalizaci\u00f3n o intervenci\u00f3n quir\u00fargica<\/li><li data-start=\"1808\" data-end=\"1880\">P\u00f3lizas individuales para aut\u00f3nomos o colectivas para empresas<\/li><li data-start=\"1808\" data-end=\"1880\">Integraci\u00f3n con seguros de salud, vida o accidentes<\/li><li style=\"list-style-type: none;\">\u00a0<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Seguros de incapacidad temporal. Aseg\u00farate una renta diaria si usted no puede trabajar por enfermedad o accidente.<\/p>","protected":false},"author":1,"featured_media":1272,"parent":1258,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"enabled","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-1432","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/cobertia.cat\/es\/wp-json\/wp\/v2\/pages\/1432","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cobertia.cat\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cobertia.cat\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cobertia.cat\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cobertia.cat\/es\/wp-json\/wp\/v2\/comments?post=1432"}],"version-history":[{"count":71,"href":"https:\/\/cobertia.cat\/es\/wp-json\/wp\/v2\/pages\/1432\/revisions"}],"predecessor-version":[{"id":4342,"href":"https:\/\/cobertia.cat\/es\/wp-json\/wp\/v2\/pages\/1432\/revisions\/4342"}],"up":[{"embeddable":true,"href":"https:\/\/cobertia.cat\/es\/wp-json\/wp\/v2\/pages\/1258"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cobertia.cat\/es\/wp-json\/wp\/v2\/media\/1272"}],"wp:attachment":[{"href":"https:\/\/cobertia.cat\/es\/wp-json\/wp\/v2\/media?parent=1432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}