Contact
- 24-hour emergency care 900 61 00 61
- Foreign +34 91 919 61 61
- Monday to Sunday from 8 a.m. to 10 p.m. 900 61 00 61
- Other ways to contact
When a worker suffers an injury resulting from their work activity, FREMAP immediately activates the healthcare and, if applicable, the financial benefit for professional contingencies. As a Mutual Society Collaborating with Social Security, we guarantee specialised care, streamlined management and support throughout the entire process: from the initial assessment and sick leave, to rehabilitation, discharge and supplementary benefits. This page provides essential information for companies, self-employed workers, consulting firms and workers on how to proceed and what coverage is offered by FREMAP.
Protection for employed and self-employed workers
The benefit for professional contingencies is intended for those who suffer an injury resulting from their work activity. They are protected:
- Employees included in the General Scheme or in special schemes whose company has arranged coverage with FREMAP.
- Self-employed workers (RETA) associated with FREMAP
- Economically Dependent Self-Employed Workers (TRADE) associated with FREMAP.
This coverage guarantees immediate healthcare and, in the case of sick leave, access to financial benefits or temporary disability benefit.
Conditions for accessing healthcare and temporary disability benefits due to work-related accidents
1. For employed workers:
- That the worker's company has professional contingencies covered by FREMAP.
- That the event suffered is considered a work-related accident.
2. Self-employed workers (RETA):
- That the self-employed worker is associated with FREMAP.
- Be up-to-date with the contribution payments to Social Security.
- Prove the direct and immediate causal relationship between the professional activity and the injury (there is no automatic presumption as in employed workers).
- The company must report the accident via DELT@ within a maximum of 5 business days from when it occurred.
- The worker must go to FREMAP as soon as possible after the accident.
How to proceed, step by step
The itinerary for the worker is simple if we look at it in phases:
1
Report the accident. If you are employed, inform your company. If you are self-employed, go directly to FREMAP.
2
Go to a FREMAP healthcare centre. We will carry out the initial medical assessment, treatment and follow-up.
3
Administrative processing. The company or the self-employed worker will send the work-related accident report (DELT@). FREMAP will issue, if applicable, the medical certificates for sick leave, extension of sick leave and discharge.
4
Financial management. If temporary disability benefits are applicable and must be paid by means of the direct payment method, it will be necessary to submit the corresponding payment request to FREMAP.
5
You can request the initiation of a procedure for the definition of contingencies before the INSS in the event of a discrepancy with the contingency of a medical leave.
- General Law on Social Security.
- Royal Decree 625/2014, of 18 July, regulating certain aspects of the management and control of temporary disability.
- Royal Decree 1273/2003, of 10 October, regulating the coverage for professional contingencies of workers included in the Special Scheme for Self-Employed Workers.
- Law 35/2014, of 26 December, regulating the legal regime of Mutual Societies for Work-related Accidents.
- Supreme Court Jurisprudence.
- Amount: 75% of the benefits base for temporary disability due to professional contingency from the day after the medical leave, in delegated payment or direct payment modality.
- Day of the sick leave: the worker must receive a salary (not a subsidy), so the company must pay it.
What should I do immediately after a work-related accident?
Notify your company and go to a FREMAP centre for a medical assessment. In life-threatening emergencies, go to the nearest medical centre.
What if I am self-employed?
Go directly to a FREMAP centre. You must justify the direct and immediate connection between the injury and your work.
What is the difference between “in itinere” and “on-mission” accidents?
- In itinere: the accident suffered on the usual journey between home and work, provided that the requirements of time spent on the journey, correct route, suitable means of transport and purpose of the journey to go or return from home to work or vice versa are met.
- On-mission: travel entrusted by the company.
Can I receive compensation if I suffer sequelae from a professional contingency?
Yes, provided that the INSS decides so after the corresponding procedure.
What happens if the company does not report the accident as soon as possible?
FREMAP will also provide assistance and will request the accident report later.
Can I request a review of the accident's classification?
Yes. You can request the initiation of a procedure for the definition of contingencies before the INSS.
Is it possible to suffer a work-related accident while teleworking?
Yes, it is possible. In these cases, the Mutual Society must analyse all the circumstances involved to determine whether the accident should be classified as work-related or non-work-related, taking into account the special circumstances that occur in this type of work.