Recovery budget insurance for freelancers

Not being able to work because of medical treatment due to illness or an accident is a stressful situation for many freelancers. The recovery budget helps them bridge that period financially by paying out a lump sum.


The recovery budget pays a lump sum to freelancers if they are unable to work because they’ve had to go through a medical procedure. That money helps them to more easily bridge their recovery period until they can return to work.

Recovery budget is a bit like a middle ground between accident insurance and disability insurance. It pays out earlier and for less severe situations than accident insurance does, and also pays out a sum of money once. On the other hand, like disability insurance, recovery budget can also pay out in case of illness.


20% of freelancers can’t even last 3 months if they loose their income. Recovery budget can relieve that financial pressure a little, helping freelancers stay out of trouble a little longer. This way, freelancers can take the time they need to really get better.


What can freelancers spend the money on?

The sum of money that recovery budget pays out can be spent on whatever freelancers need while recovering. For example having groceries (or meals) delivered, cleaning help, more money towards fixed expenses, or anything else that could help them.

Combining recovery budget with disability insurance

Recovery budget is a good solution for when freelancers aren’t able to work for a while, for example due to appendicitis or a broken arm. In those short-term cases, the extra allowance can be just what they need to keep up. But for health problems that take longer to be resolved, freelancers still need a disability insurance.

Fortunately, the two make a great combination. Freelancers can extend the waiting period for their disability insurance, and bridge that period with the recovery budget. This way, they can lower their disability premium, and still be well protected.

Covered yes/no.

Here’s an overview of what is and isn’t covered by recovery budget insurance.


We believe that insurance has to fit like a glove. Contact our sales team to discuss how we can tailor insurance to your freelancers.

  • Orthopaedic procedures, such as on knee ligaments
  • Medical treatments
  • Heart attacks
  • Planned treatments & births
  • Surgery for obesity
  • Cancer with more than one treatment
  • Recurrence of previous diseases, such as cancer
  • Voluntary cosmetic surgery
  • Lasting conditions caused by a heart attack
  • Professional sports
  • Alcohol & drugs
  • Intentional injuries
  • Pandemics

Always a fitting solution for your freelancers.

Every freelancer and platform is different – that’s why Alicia has different insurance solutions. We make sure there’s always one that fits your platform.


Ultra-flexible insurance that truly fits freelancers. Fitting coverage that’s purchased online in less than 4 minutes and active the next day, with the ability to cancel daily.


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The tailor-made, all-in-one solution. Differentiate your platform by ensuring all your freelancers are automatically insured, or enable them to become Alicia members.


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