Self-employed workers must take out specific mutual insurance to supplement their health reimbursements, with tax advantages and suitable protection.
A self-employed worker (TNS) is a person who carries out a professional activity independently. Unlike employees, the self-employed do not benefit from the general social security system and must take out specific insurance, such as a TNS mutual insurance company , to cover their health needs.
1. Who are the Self-Employed Workers (SEWs)?
The TNS group together different professional statuses:
- Craftsmen and tradesmen : Those who exercise an independent activity.
- Liberal professions : Doctors, lawyers, consultants, etc.
- Majority managers : Managers of companies exercising majority control.
The self-employed are affiliated with the social security system for the self-employed (RSI, which has become 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 TNS scheme are limited. Subscribing to a TNS mutual insurance policy allows you to:
- Supplement social security reimbursements : Hospitalization costs, medical consultations or dental care.
- Cover specific needs : Optical care, orthodontics, or alternative medicine.
- Maintaining your business : In the event of sick leave, some contracts include compensation for loss of income.
3. The Advantages of the TNS Mutual
TNS mutuals offer specific advantages adapted to the self-employed:
- Tax deductions : Thanks to the Madelin law, contributions are deductible from taxable income.
- Flexibility of guarantees : Contracts are flexible according to 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 TNS Mutual Insurance Company?
To choose a TNS mutual insurance company , 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 your 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.