Self-employed workers must take out specific mutual insurance to supplement their health reimbursements, with tax benefits and appropriate protection.
A self-employed worker (TNS) is a person who carries out a professional activity independently. Unlike employees, self-employed workers do not benefit from the general social security system and must take out specific insurance, such as a TNS mutual insurance policy , to cover their health needs.
1. Who are the Self-Employed Workers (SEWs)?
The TNS group together different professional statuses:
- Craftsmen and tradespeople : Those who carry out an independent activity.
- Liberal professions : Doctors, lawyers, consultants, etc.
- Majority managers : Managers of companies exercising majority control.
Self-employed people are affiliated with the social security system for the self-employed (RSI, now Social Security for the Self-Employed) and must often supplement their health cover with suitable mutual insurance.
2. Why is a TNS Mutual Insurance Essential?
The basic guarantees of the mandatory self-employed scheme are limited. Taking out mutual insurance for self-employed people allows you to:
- Supplement social security reimbursements : Hospitalization costs, medical consultations or dental care.
- Cover specific needs : Optical care, orthodontics, or alternative medicine.
- Maintain your business : In the event of sick leave, some contracts include compensation for loss of income.
3. The Advantages of the TNS Mutual
TNS mutual insurance companies offer specific benefits tailored to the self-employed:
- Tax deductions : Thanks to the Madelin law , contributions are deductible from taxable income.
- Flexibility of guarantees : Contracts can be adapted to suit personal and family needs.
- Adaptability to sectors : Some mutual insurance companies offer specific offers for professions such as artisans or liberal professions.
4. How to Choose a Self-Employed Mutual Insurance Company?
To choose the right TNS mutual insurance , it is important to:
- Assess your health needs : Frequency of consultations, necessary medical equipment.
- Compare guarantees : Reimbursements, waiting periods and guarantee ceilings.
- Consider the budget : Find a good balance between contributions and the services offered.
5. Why choose KT Assur&Bank for your TNS Mutual Insurance?
At KT Assur&Bank , we support self-employed workers in selecting a suitable mutual insurance company:
- Personalized advice : Analysis of your specific needs.
- Tailored offers : Guarantees that can be adapted to your activity and priorities.
- Competitive Rates : Advantageous contracts that maximize your protection while optimizing your costs.
Conclusion
As a self-employed worker (TNS), taking out suitable mutual insurance is essential to guarantee good health coverage and financial peace of mind.
Contact KT Assur&Bank today to discover our offers and obtain mutual insurance that is perfectly suited to your status and needs.