Why subscribe to self-employed provident insurance?
As a self-employed worker (TNS), you do not benefit from the same level of social protection as an employee, particularly in the event of work stoppage, accident or disability. Our self-employed provident insurance contract helps you fill this gap by guaranteeing the continuity of your income and the protection of your loved ones.
In the event of illness, accident or hospitalisation, your compulsory scheme may not cover your needs. Thanks to self-employed provident insurance, you benefit from:
- Daily allowances to compensate for loss of income.
- Payment of a lump sum in the event of death or disability.
- Education annuity to secure your children’s future.
- Doubling of the death capital in the event of an accident.
The guarantees of self-employed provident insurance
L’assurance couvre the situations suivantes :
- Receivership or judicial liquidation for economic reasons.
- Merger, acquisition or restructuring of the company.
- Removal or non-renewal of corporate office (with specific option).
This is what our self-employed provident insurance offers
Standard plan
A solution suited to essential needs:
- Daily allowances after a 30-day waiting period
- Payment of a lump sum in the event of death or PTIA
- Annuity in the event of partial or permanent disability
- Immediate protection with no medical formalities for basic levels
Price: from €50/month
Subscribe nowEnhanced plan
Complete protection for self-employed workers:
- Waiting period reduced to 3 days in the event of an accident
- Doubled compensation in the event of accidental death
- Education annuity for children
- Payment of a lump sum in the event of death or PTIA
Price: from €80/month
Learn morePremium plan
The most complete and flexible protection:
- Waiting period reduced to 0 days in the event of hospitalisation
- Extended daily allowances with an option for longer duration
- Education annuity and spouse annuity in the event of death
- Doubling of the death capital in the event of an accident
Price: from €120/month
Learn moreThe documents required to switch self-employed provident insurance
To switch your self-employed provident insurance, you will need several essential documents. First, you must send a cancellation letter by registered mail with acknowledgement of receipt to your current insurer, mentioning your contract number and respecting the required notice period. A copy of your current contract, your latest renewal notice, as well as proof of identity and bank account details (RIB) for the new payment terms are also required. Sometimes, a medical situation certificate or information about your state of health will be requested by the new insurer. To discover our offers and take out new insurance, visit our page by clicking this link: our business insurance offers.
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FAQ - Self-Employed Provident Insurance
| Category | Question | Answer |
|---|---|---|
| Cancellation | What documents are required to cancel self-employed provident insurance? | You will need a cancellation letter sent by registered mail with acknowledgement of receipt, your contract number, and your latest renewal notice. Observe a notice period of 2 months before the renewal date. |
| Cancellation | Can a contract be cancelled at any time? | No, cancellation is generally possible on the contract anniversary date, with 2 months’ notice. Early cancellations are possible in the event of a change in professional situation. |
| Coverage | What are the main coverages of self-employed provident insurance? | The main guarantees include compensation for work stoppage, disability, an incapacity annuity, an education annuity for children and death capital. |
| Coverage | Are there waiting periods in a self-employed provident contract? | Yes, there are often waiting periods before certain guarantees apply. The shorter the deductible, the higher the premium. |
| Taxation | What is the Madelin scheme and its tax advantages? | The Madelin scheme allows self-employed workers to deduct the contributions paid for provident insurance from their taxable income, subject to certain conditions and ceilings. |
| Taxation | How much can I deduct under the Madelin law? | The deduction ceiling is 3.75% of taxable profit plus 7% of the PASS. In 2023, the PASS was set at €43,992, which sets a maximum deductible amount of around €10,558. |
| Choosing a contract | How do I choose the right self-employed provident contract? | Compare the guarantees, exclusions, waiting periods and rates. Make sure the contract is flexible and suited to your professional and personal situation. |
| Choosing a contract | What advice is there for choosing self-employed provident insurance? | Do not overestimate your needs, compare several offers, and take into account the opinions of other self-employed workers. Check the waiting periods and exclusions before subscribing. |
| Switching insurance | What are the steps to switch self-employed provident insurance? | Send a cancellation letter by registered mail to the former insurer, observe the 2-month notice period, and take out new insurance without interruption of coverage. |
| Switching insurance | Should I contact a broker to switch insurance? | Using a broker can make it easier to compare offers and help you find solutions suited to your needs and budget. |