The self-employed worker (TNS) refers to a professional category that includes entrepreneurs, independent workers, and liberal professions. This status implies specificities in terms of social protection, particularly in insurance. The TNS must subscribe to suitable solutions to compensate for the gaps in their mandatory coverage. Find out everything you need to know about the TNS in insurance and the solutions available to protect them.
1. Definition of a Self-Employed Worker (SEW)
A self-employed worker is a person carrying out an independent professional activity. Unlike employees, self-employed workers do not benefit from the general social security system.
Examples of TNS:
- Craftsmen and traders.
- Liberal professions (doctors, lawyers, consultants).
- Majority managers of companies (SARL, EURL).
The self-employed are affiliated with the Social Security for the Self-Employed (SSI) , which covers part of their health, retirement and welfare needs.
2. The Specific Features of TNS Status in Insurance
As a self-employed person, your insurance obligations and needs differ from those of employees. Here are the specifics to know:
a. Limited social protection
The SSI offers basic coverage, but reimbursements are often lower than those of the general scheme.
b. Absence of collective mutual insurance
The self-employed do not have company mutual insurance. They must take out individual health insurance to supplement their reimbursements.
c. Increased financial risk
Since the self-employed are directly responsible for their activity, they must protect themselves against unforeseen events (sick leave, disability, death).
3. Essential Insurance for Self-Employed Workers
To compensate for the shortcomings in their compulsory scheme, self-employed workers can take out several types of insurance:
a. TNS Health Mutual
- Completes SSI reimbursements.
- Tax benefits thanks to the Madelin law : deduction of contributions from taxable income.
- Increased support for major expenditure items (optical, dental, hospitalization).
b. Life Insurance
- Guarantees an income in the event of work stoppage, disability or death.
- Helps protect family or professional activity against unforeseen events.
c. Supplementary Retirement Insurance
- Builds up savings to compensate for the low retirement pensions of the self-employed.
- Allows you to maintain an adequate standard of living after ceasing professional activity.
d. Professional Civil Liability Insurance (RC Pro)
- Legal obligation for certain professions.
- Protects against damage caused to third parties in the course of professional activity.
4. Tax advantages for the self-employed with the Madelin Law
The Madelin law offers tax advantages to encourage self-employed workers to take out suitable insurance:
- Deductible contributions : Health, life insurance and retirement premiums are deductible from taxable income.
- Savings on taxes : An ideal solution for optimizing financial management while strengthening social protection.
5. Why take out your TNS insurance with KT Assur&Bank?
At KT Assur&Bank , we understand the specific needs of the self-employed and offer tailor-made solutions:
- Personalized analysis : Identification of your health, pension and retirement needs.
- Tailored offers : Competitive and flexible contracts depending on your activity.
- Administrative support : Help with procedures related to tax benefits (Madelin Law).
- Dedicated customer service : Specialized advisors available to answer your questions.
Conclusion
Being a self-employed person means taking care of your social protection and taking out suitable insurance. Health insurance , pension plan , supplementary pension and professional liability insurance are essential to guarantee your safety and that of your business.
Contact KT Assur&Bank today to discover our insurance offers dedicated to self-employed workers and benefit from personalized support.