When you are self-employed (TNS), social protection largely depends on the choices you make yourself.
Unlike employees who generally benefit from collective health insurance partly financed by their employer, self-employed individuals must select and finance their own supplementary health insurance.
Whether you are an artisan, tradesperson, liberal professional, auto-entrepreneur, or majority manager of an SARL, it is therefore essential to choose a health insurance plan adapted to your situation.
But with so many offers available on the market, how do you identify the best coverage?
Here are the criteria to analyze.
What is self-employed health insurance (Mutuelle TNS)?
A Mutuelle TNS is a supplementary health insurance designed for self-employed workers.
Its objective is to supplement reimbursements from the French Health Insurance (Assurance Maladie) to reduce out-of-pocket expenses for healthcare.
It can notably cover:
- medical consultations
- hospitalization
- optics
- dental care
- hearing aids
- certain acts not reimbursed by Social Security
Is self-employed health insurance (Mutuelle TNS) mandatory?
👉 No.
Unlike employees who benefit from mandatory company health insurance, self-employed workers are free to subscribe or not to supplementary health insurance.
However, the absence of health insurance can lead to significant out-of-pocket expenses in case of:
- hospitalization
- costly dental care
- excess fees
- significant optical expenses
Why is health insurance particularly important for a self-employed person?
When an employee experiences a health problem, they generally continue to benefit from:
- collective coverage
- additional social benefits
For a self-employed person, the financial consequences can be more significant.
An unforeseen medical expense can quickly impact:
- personal cash flow
- family budget
- professional activity
👉 Good health insurance therefore helps secure your financial situation.
Guarantees to analyze first
Not all Mutuelle TNS offers the same levels of reimbursement.
Before comparing prices, it is essential to study the guarantees.
🏥 Hospitalization
This is often the most expensive item.
Specifically check:
- accommodation costs
- surgical fees
- excess fees
- private room
👨⚕️ Routine care
Specialist consultations can quickly generate significant out-of-pocket expenses.
Pay particular attention to reimbursements for:
- specialist doctors
- consultations outside the care pathway
- technical procedures
👓 Optics
Expenses for glasses or contact lenses often remain poorly reimbursed by the mandatory scheme.
Some health insurance plans offer particularly attractive enhanced packages.
🦷 Dental
Implants, crowns, and prostheses can cost several thousand euros.
👉 Carefully check the reimbursement ceilings offered.
👂 Hearing aids
Hearing aids also represent a significant expense for some insured individuals.
Should you cover your family?
Many contracts allow you to add:
- spouse
- children
- dependents
Some family formulas even offer advantageous rates or discounts depending on the household composition.
Is the Madelin law still advantageous?
For some self-employed workers, contracts eligible for the Madelin law allow them to benefit from tax advantages through the deductibility of contributions from taxable income.
⚠️ Warning:
Not all statuses benefit from the same provisions.
For example:
- majority managers of SARL are generally concerned
- presidents of SAS or SASU fall under a different scheme
Should price be the main criterion?
👉 No.
A very economical health insurance may seem attractive at first glance.
However, low contributions often mean:
- limited reimbursements
- reduced ceilings
- more out-of-pocket expenses
Some offers start at a few tens of euros per month but provide minimal guarantees.
The objective is therefore to find the best balance between:
- budget
- guarantees
- actual needs
Mistakes to avoid
❌ Choosing solely based on price
❌ Subscribing to unnecessary guarantees
❌ Neglecting hospitalization
❌ Forgetting the needs of your spouse or children
❌ Not checking reimbursement ceilings
❌ Keeping a contract that has become unsuitable over the years
Why compare several solutions?
Each self-employed person has a different profile.
The needs of an:
- artisan
- consultant
- tradesperson
- professional driver
- liberal professional
are not necessarily the same.
👉 A personalized study often allows you to obtain a better guarantees/contributions ratio.
Health insurance and provident insurance: do not confuse them
Many self-employed individuals confuse health insurance and provident insurance.
Health insurance reimburses healthcare expenses.
Provident insurance primarily protects:
- your income in case of work stoppage
- your family in case of death
- your financial situation in case of disability
👉 The two protections are often complementary.
Have your health insurance reviewed with KT ASSURANCE
At KT ASSURANCE, we support:
- self-employed individuals
- liberal professionals
- artisans
- tradespeople
- majority managers
- company directors
in the search for supplementary health insurance adapted to their needs and budget.
Request your personalized quote
Are you looking for high-performance self-employed health insurance adapted to your situation?
👉 Fill out our quote request form.
Our advisors will study your profile to offer you a solution that matches your health needs, your activity, and your budget.
KT ASSURANCE supports you in implementing health protection adapted to your self-employed status.