Having an accident or being sick and not being able to work, usually has a negative effect on the income.
Especially for freelancers it is important to think about the situation of not being able to work and thus not being able to issue bills to the client. This leads to an immediate loss of income.
In order to protect you as a freelancer of this happening, you can include in your health insurance contract sickness allowance. This would mean, that the insurance pays you for each day you cannot work a specific amount until you recover. You can define this amount. Usually it is a sum between 80 EUR and 150 EUR a day. It is important that this sum would cover your daily expenses.