We accompany you at the arrival of a new member

Because it’s one of the most important moments, your cover includes a special benefit for maternity and paternity. 

What benefit will I receive?

Single payment for birth or adoption: You’ll receive a benefit of €3,600.00 to help with the initial expenses. 

Is this cover included in my plan?

 It’s mandatory and included if you have the Alternative Self-Employed Plan (as an alternative to RETA and under 40 years). It’s optional in other cases. 

Additional family support: 

• Breastfeeding: A single payment of up to €225.

•  Miscarriage: A single payment of €600.
 
• Care for minors with serious illness: A daily allowance of €18. 

Special protection during pregnancy: 

• Life risk (mother or fetus): A daily allowance of up to €90.
 
• Hospitalization for pregnancy-related conditions: A daily allowance of up to €45.
 
• Waiting period: There is a 240-day waiting period, which does not apply if you sign up for the Alternative Self-Employed Plan when registering with Mutualidad as an alternative to the public system.

Subscription and extension of the cover

We want your protection to always adapt to you. Keep these points in mind: 

If you have the Alternative Self-Employed Plan: You already have a minimum cover that you can extend and complete. 

Plan combination: If you have this cover in several plans, the total compensation cannot exceed €90 per day. 

Advantage from coming from another entity: If you already have a similar insurance, send us the policy and the last receipt so we can eliminate the waiting periods*. 

*Important note: Pre-existing conditions at the time of contracting will not be covered in any case.

The taxation of your cover

 With total transparency, this is how this cover is taxed: 

In the Alternative Self-Employed Plan: The fee is deductible in the personal income tax. If you receive the benefit, it will be taxed as income from employment. 

In the Flexible Savings Plan: If you have deducted the premiums as business expenses, the benefit will be taxed as income from employment. If not, it will be taxed as capital gains and will not be subject to withholding.