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Part II
IKTF Tariff for Freelance Workers
This tariff (Part II of the General Terms and Conditions of Insurance) is only valid in connection with Part I – General Provisions for Daily Sickness Benefit Insurance.
1. Eligibility for insurance
Anyone who exercises his/her freelance activity (Article 91 subsection 1 No. 1 Income Tax Law) or his/her profession as a pharmacist on a self-employed basis and regularly draws income from this activity is eligible for insurance.
The practice (or other field of activity) and permanent domicile of the insured person must be in the Grand Duchy of Luxembourg.
Persons who exercise the stated activities as an employee in a permanent employment relationship may also be insured in the tariff grade IKTF 91.
Eligibility for acceptance ends on reaching the age of 60.
2. Benefits from the insurer
Daily sickness benefit will be paid in the contractually agreed amount for the duration of the incapacity to work in accordance with § 1 Part I of the General Terms and Conditions of Insurance, namely:
In the IKTF tariff 7, as from the 8th day
In the IKTF tariff 14, as from the 15th day
In the IKTF tariff 91, as from the 92nd day
of incapacity to work; in the case of employees however, not before the end of the continued wage/salary payment by the employer. For each new case of incapacity to work the agreed qualifying period must be completed again.
In the event of incapacity to work because of the consequences of an accident which are demonstrably attributable to an accident which took place after the commencement of insurance, the contractual sickness benefit will be paid from the first day of incapacity to work in tariff grades IKTF 7 and IKTF 14.
3. Payments by the policy holder
The monthly premium instalments in EUR per 10 EUR of daily sickness benefit are:.
Click here for the premiums of the IKTF tariff.
The General Terms and Conditions of Insurance in English are just a translation, and the German General Terms and Conditions represent the legal documents. |
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IKTS Tariff for the Self-employed
This Tariff (Part II of the General Terms and Conditions of Insurance) is only valid in connection with Part I – General Provisions for Daily Sickness Benefit Insurance.
1. Eligibility for insurance
Anyone who exercises a profession on a self-employed basis and regularly draws income from this activity is eligible for insurance.
The business and permanent domicile of the insured person must be in the Grand Duchy of Luxembourg.
Persons who are in a permanent employment relationship as an employee may also be insured in the tariff grade IKTS 91.
Eligibility for acceptance ends on reaching the age of 60.
2. Benefits from the insurer
Daily sickness benefit will be paid in the contractually agreed amount for the duration of the incapacity to work in accordance with § 1 Part I of the General Terms and Conditions of Insurance, namely:
In the IKTS tariff 7, from the 8th day
In the IKTS tariff 14, from the 15th day
In the IKTS tariff 91, from the 92nd day
of incapacity to work; in the case of employees, however, not before the end of the continued wage/salary payment by the employer. For each new case of incapacity to work the agreed qualifying period must be completed again.
In the event of incapacity to work because of the consequences of an accident which are demonstrably attributable to an accident which took place after the commencement of insurance, the contractual sickness benefit will be paid from the first day of incapacity to work in tariff grades IKTS 7 and IKTS 14.
3. Payments by the Policy Holder
Statutory insurance tax is not included in the premiums and will be levied separately.
Click here for the premiums of the IKTF tariff
The General Terms and Conditions of Insurance in English are just a translation, and the German General Terms and Conditions represent the legal documents. |
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