The self-employed worker (TNS) refers to a professional category that includes entrepreneurs, the self-employed, and liberal professions. This status implies specific social protection requirements, particularly insurance. Self-employed workers must take out appropriate solutions to compensate for gaps in their mandatory coverage. Find out everything you need to know about self-employed workers' insurance and the solutions available to protect them.
1. Definition of a Self-Employed Worker (SEW)
A self-employed worker is a person who is self-employed. Unlike employees, self-employed workers are not covered by 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 worker, your insurance obligations and needs differ from those of employees. Here are some specifics you should know:
a. Limited social protection
The SSI offers basic coverage, but reimbursements are often lower than those of the general plan.
b. Absence of collective mutual insurance
Self-employed workers do not have company health insurance. They must subscribe to individual health insurance to supplement their reimbursements.
c. Increased financial risk
Since self-employed people 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 plan, 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 coverage for major expenditure items (optical, dental, hospitalization).
b. Life Insurance
- Guarantees income in the event of work stoppage, disability or death.
- Helps protect family or professional activity against unforeseen events.
c. Supplementary Retirement Insurance
- Build up savings to compensate for the low retirement pensions of the self-employed.
- Allows you to maintain an adequate standard of living after stopping 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 Benefits for Self-Employed Workers with the Madelin Law
The Madelin law offers tax benefits to encourage self-employed workers to take out suitable insurance:
- Deductible contributions : Health, life, and retirement insurance premiums are deductible from taxable income.
- Tax savings : An ideal solution for optimizing financial management while strengthening social protection.
5. Why take out your self-employed 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, insurance 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 : Specialist advisors available to answer your questions.
Conclusion
Being self-employed means taking care of your social protection and taking out appropriate insurance. Health insurance , pension plans , supplementary pensions , 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 the self-employed and benefit from personalized support.