Compare disability insurance for the self-employed
Indicative premiums from 5 insurers, tailored to your profile. Ready in 1 minute, no details required.
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- Same premium as going direct
- 12,400 comparisons per month
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E.g. physiotherapist, chef, dentist
≈ € 24,000 per year
Popular balance of premium and waiting period
Top 5 for your profile
Independent comparison on objective characteristics. If you take out a policy via a provider, we receive a commission. You therefore never pay more than going direct. We do not provide personal advice. How we work ›
Personal help
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Our disability insurance experts are happy to help you choose the right insurance. Pick how you'd like to reach us below.
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You'll speak directly with one of our experts
Koen Kuijper
Thomas van Campenhout
Bart Koenraadt
Decision guide
How do I choose the cheapest disability insurance?
For self-employed professionals, freelancers and entrepreneurs, it is important to choose a disability insurance policy that fits both your personal and your business situation.
Insurers can differ considerably in coverage, premium, conditions and flexibility. Think of rent, mortgage, groceries and insurance: things that have to be paid regardless, even if you become unable to work.
1.What are your fixed monthly costs and how much do you want to insure?
Your fixed costs – such as rent or mortgage, groceries and insurance – give an idea of the minimum amount you need to insure.
2.How long can you go without income, and what does that mean for your waiting period and premium?
If you have savings or other financial buffers, you can opt for a longer waiting period (e.g. 3 or 6 months). This lowers your premium considerably.
3.Do you want to be insured for your own occupation, or will you accept alternative work?
Disability insurance policies differ in the extent to which you are insured for your own occupation. Also consider additional modules such as coverage for mental health issues and pregnancy.
Coverage
What is and isn't covered by disability insurance?
What exactly is covered by disability insurance? And what is not?
What IS covered?
Incapacity for work due to physical or mental health problems.- Incapacity for work resulting from activities at work, at home, on holiday or while playing sports.
- Temporary absence related to pregnancy (depending on the policy).
- Tailored personal guidance during the period you are unable to work.
What is NOT covered?
If a doctor cannot establish a medical cause for your complaints.- When you are less than 25 percent incapacitated for work.
- Incapacity for work arising from alcohol or drug addiction.
- Situations involving intent or reckless behaviour.
Benefits
Why disability insurance can be a smart choice
Financial peace of mind if you become unable to work
If you are out of action for a long time due to illness or injury, you receive a monthly benefit to cushion your income.
Protection for your loved ones
Should you no longer be able to work, the insurance keeps your family financially on track.
Adaptable to your situation
You decide how much to insure, how long the benefit lasts and when it starts.
Attractive for tax purposes
Entrepreneurs often benefit from tax advantages because the premium is tax-deductible.
