Insurance for Freelancers

In a corporate environment, employees are generally protected by paid sick leave and other social benefits, so an unexpected health problem rarely creates a serious financial risk. Choosing a flexible schedule and independence is a bold step, as it means you give up some of these benefits. But it’s a decision that comes with unexpected challenges you’ll have to deal with on your own.

Freelancing means your income depends on the projects you’re able to take on and how many hours you work. Even a minor illness may directly hit your daily income and put your finances at risk, if you’re not on top of it.

Finding new clients and maintaining regular communication is also entirely your responsibility. Stepping away from this process, even for a short period, may hinder your future ability to return to your usual pace and may become a reason for financial and professional difficulties.

Unstable income, combined with the absence of social benefits and corporate health insurance, creates a major challenge: medical expenses and work interruptions can be a much heavier burden on you than on someone employed in an office.

Wizer has created an insurance policy designed to protect you against three major risks. The goal was to directly address the biggest challenges associated with freelancing.

Health Insurance for Freelancers

The health insurance policy covers family doctor services, outpatient visits, emergency medical care, preventive examinations, and medication. Hospital visits are also fully covered, including both planned and emergency care.

Insurance for self-employed professionals also covers complex medical procedures such as interventional cardiology and oncological surgery. Both planned and emergency dental care are included, as well as pregnancy and childbirth-related services for women.

A 24/7 telephone assistance service is available whenever you need advice, while a personal manager can help you select the appropriate clinic and doctor.

In addition to medical services, the policy also covers unexpected injuries, accidents, and other unforeseen events.

Daily Compensation If You Are Unable to Work

The major benefit of the policy is that it comes with income protection. If a health problem prevents you from working for a certain period, Wizer will not only cover eligible treatment expenses but will also pay you a fixed daily amount for a certain period.

The compensation is calculated individually for specific cases and has annual limits. When choosing a policy, you know in advance what level of financial support you can expect and adjust your plans accordingly.

Standard insurance policies were traditionally designed to fit employees working for private companies, leaving individual health insurance as the main alternative for freelancers. However, such policies do not usually take into account the specific working conditions and risks associated with freelancing.

Wizer has changed this traditional approach by adapting the policy directly to the realities of your working lifestyle. Daily compensation, ongoing telephone support, a personal advisor, and fast reimbursement are designed to protect you against the risks you may previously have had to manage on your own.