The daily sickness allowance is an important insurance. When you get ill for a prolonged time and you cannot work, you normally lose your income. A daily sickness allowance insurance can help balance out this loss of income. The quantity of the daily sickness allowance is based on your net income and complements the additional money provided by the social security system.
As an employee, you are always guaranteed a wage continuation up to the 43rd day you’re ill with one illness. For this reason, it is practical to plan for your daily sickness allowance to start from the 43rd day.
For freelancers and self-employed professionals, the public wage continuation doesn’t apply – so therefore it’s even more advisable to plan for an insurance against the loss of potential income after the 43rd day.