{"id":1432,"date":"2025-04-08T08:47:10","date_gmt":"2025-04-08T08:47:10","guid":{"rendered":"https:\/\/cobertiaseguros.com\/?page_id=1432"},"modified":"2025-05-07T13:03:55","modified_gmt":"2025-05-07T11:03:55","slug":"assegurances-incapacitat-temporal","status":"publish","type":"page","link":"https:\/\/cobertiaseguros.com\/ca\/assegurances\/empreses-autonoms\/assegurances-incapacitat-temporal\/","title":{"rendered":"Assegurances d&#8217;Incapacitat temporal"},"content":{"rendered":"\t\t<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\u00f3 econ\u00f2mica en cas de baixa 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\">Per qu\u00e8 contractar una asseguran\u00e7a d\u2019incapacitat 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\tAvantatges de contractar la teva asseguran\u00e7a per incapacitat temporal amb una corredoria 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 baixa laboral pot afectar greument l\u2019economia d\u2019un aut\u00f2nom o d\u2019un professional liberal. L\u2019asseguran\u00e7a d\u2019incapacitat temporal garanteix una <strong data-start=\"582\" data-end=\"606\">indemnitzaci\u00f3 di\u00e0ria<\/strong> mentre duri la inactivitat, permetent cobrir despeses fixes i mantenir l\u2019estabilitat financera durant el per\u00edode de recuperaci\u00f3.<\/p><p class=\"\" data-start=\"737\" data-end=\"926\">\u00c9s una asseguran\u00e7a molt recomanada per a <strong data-start=\"778\" data-end=\"832\">aut\u00f2noms, directius, treballadors per compte propi<\/strong> i empreses que vulguin oferir aquest avantatge com a complement retributiu als seus empleats.<\/p><h4 data-start=\"1131\" data-end=\"1193\"><strong data-start=\"1139\" data-end=\"1193\"><br \/>Qu\u00e8 inclou una asseguran\u00e7a d\u2019incapacitat temporal?<\/strong><\/h4><p>\u00a0<\/p><ul><li data-start=\"1197\" data-end=\"1264\">Renda di\u00e0ria garantida per baixa m\u00e8dica per malaltia o accident<\/li><li data-start=\"1197\" data-end=\"1264\">Pagament des del primer dia o despr\u00e9s d\u2019un per\u00edode de car\u00e8ncia<\/li><li data-start=\"1197\" data-end=\"1264\">Cobertura dins i fora de l\u2019\u00e0mbit laboral<\/li><li data-start=\"1197\" data-end=\"1264\">Ampliaci\u00f3 opcional per hospitalitzaci\u00f3 o intervencions quir\u00fargiques<\/li><li data-start=\"1197\" data-end=\"1264\">Compatibilitat amb altres prestacions p\u00fabliques o assegurances privades<\/li><li data-start=\"1197\" data-end=\"1264\">Opci\u00f3 de cobertura per embar\u00e0s i part (segons condicions)<\/li><\/ul><h4 data-start=\"1131\" data-end=\"1193\"><strong data-start=\"1139\" data-end=\"1193\"><br \/>Modalitat i cobertures adicionals<\/strong><\/h4><p>\u00a0<\/p><ul><li data-start=\"1808\" data-end=\"1880\">C\u00e0lcul de la renda segons ingressos habituals o quantitat fixa pactada<\/li><li data-start=\"1808\" data-end=\"1880\">Modalitats amb car\u00e8ncies personalitzables (3, 7, 15, 30 dies&#8230;)<\/li><li data-start=\"1808\" data-end=\"1880\">Indemnitzacions addicionals per hospitalitzaci\u00f3 o intervenci\u00f3 quir\u00fargica<\/li><li data-start=\"1808\" data-end=\"1880\">P\u00f2lisses individuals per a aut\u00f2noms o col\u00b7lectives per a empreses<\/li><li data-start=\"1808\" data-end=\"1880\">Integraci\u00f3 amb assegurances de salut, vida o accidents<\/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>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Assegurances d\u2019incapacitat temporal. Assegura\u2019t una renda di\u00e0ria si no pots treballar per malaltia o accident.<\/p>\n","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:\/\/cobertiaseguros.com\/ca\/wp-json\/wp\/v2\/pages\/1432","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cobertiaseguros.com\/ca\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cobertiaseguros.com\/ca\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cobertiaseguros.com\/ca\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/cobertiaseguros.com\/ca\/wp-json\/wp\/v2\/comments?post=1432"}],"version-history":[{"count":71,"href":"https:\/\/cobertiaseguros.com\/ca\/wp-json\/wp\/v2\/pages\/1432\/revisions"}],"predecessor-version":[{"id":4342,"href":"https:\/\/cobertiaseguros.com\/ca\/wp-json\/wp\/v2\/pages\/1432\/revisions\/4342"}],"up":[{"embeddable":true,"href":"https:\/\/cobertiaseguros.com\/ca\/wp-json\/wp\/v2\/pages\/1258"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cobertiaseguros.com\/ca\/wp-json\/wp\/v2\/media\/1272"}],"wp:attachment":[{"href":"https:\/\/cobertiaseguros.com\/ca\/wp-json\/wp\/v2\/media?parent=1432"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}