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Sickness insurance
Not everyone is lucky enough to receive full pay in the event of sickness and time off work. And those that are self employed can really suffer when they are unable to work through sickness. The loss of income can have a real impact, and could leave you with very little cash with which to pay the mortgage or rent, pay bills, buy food or provide for the family. Sickness insurance is a valuable safeguard to ensure that if you do find yourself in this situation, you won't have the added worry of financial hardship. If you find yourself unable to earn an income for a period of time through sickness, this cover can provide valuable benefits and peace of mind.
When you are coming to the host country, you should register with the local social security insurance so that to obtain sickness benefits in kind. Sickness and maternity benefits vary in each Member State. Sickness benefits in cash are always undergo the legislation of the country where you are insured, either the country in which you reside or stay. This rule is applied to all categories of persons and to all situations.
Sickness benefits in kind, including medical care, medicinal products and hospital treatment as well as direct payments intended to compensate the cost of these benefits, are as a general rule subject to the legislation of your country of residence or stay, as if you were insured in that country. This could give rise to a more or less favourable situation than under the legislation of the country in which you are actually. You should contact your sickness insurance institution in order to identify more in detail your entitlements and obligations in accordance with the sickness insurance.
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