Provident insurance for the self-employed and employees

Provident insurance for the self-employed and employees

Occupational benefit A benefit contract aims to cover you and your loved ones in the event of incapacity, death, disability or dependency.

Provident contracts exist in several forms:

    Individual provident contracts, mainly intended for TNS (madelin provident contract)
    Collective provident insurance contracts, which aim to provide security to your employees
    Provident contracts that protect the business, such as key man insurance, which provides compensation to the business in the event of the death of the manager or a person essential to the proper functioning of the business. There is also overhead expense insurance which covers the company's expenses if the manager is on a long-term stoppage.

>> Professional provident insurance comparator

The compulsory health insurance plan provides indemnities for all of the risks mentioned above, however these indemnities do not cover all of your income. Depending on the severity of the incident, you may therefore suffer a significant financial loss over several months. The same goes for your employees who, depending on their family situation, may be the only ones to bring home a salary. Provident insurance is therefore an effective way to guarantee your standard of living if you are unable to work.

In the event of death, the subscription to a provident insurance contract will allow the payment of a capital in the form of income paid to the surviving spouse or children (education pension). In the event of a work stoppage (incapacity), you will obtain daily allowances for a maximum period of 3 years. And in the event of permanent disability, you can receive an annuity that will compensate for your loss of income until retirement if necessary.
Guarantees
Disability insurance

In the event of disability, you can receive up to 100% of your previous income, thanks to the disability benefit guarantee. The criteria that will determine the size of your indemnities are on the one hand the coverage for which you have opted from your insurance, but also your degree of disability according to the social security scale.

This scale is segmented into 3 categories:

    The inability to continue the activity you were performing, but the ability to do gainful activity.
    The inability to engage in gainful activity.
    The inability to perform a paid activity with the obligation to help a third party with your daily tasks.

Disability insurance

If you stop working due to an accident, hospitalization or illness, you are temporarily unable to work. If you benefit from a disability provident guarantee, your insurer will therefore pay you daily allowances. These are calculated according to several criteria, the provident contract that you have taken out, the income you usually receive, in addition to the indemnities paid by the compulsory scheme and for a maximum period of 3 years, beyond 3 years. you are in the context of a disability.
Long-term care

Long-term care insurance allows you to obtain capital in the event that you become dependent on the services of a third party due to your old age, whether it is a physical problem or whether it is a disease such as Parkinson's or Alzheimer's for example. .

Thus in the event of dependency, an annuity (or capital) is paid to you to allow you to finance daily assistance. The amount paid to you is calculated according to a main criterion, whether your dependence is partial or total.

Total addiction is determined by your inability to perform at least 3 basic daily acts, bathing, dressing, eating and moving around.

Partial dependency is determined by your pension contract.

There are guarantees that complement the basic system and the payment of an annuity, such as home help or psychological support for you and your loved ones.
Death benefit

The death benefit contract allows the payment of a capital or an annuity in the event of the death of the insured, note that in the context of a collective pension, it is mandatory to insure the executives of your company through death insurance.

Through this contract you can designate the beneficiaries of your choice.

In addition to the payment of a capital or an annuity, you can benefit from additional guarantees, the increase in capital in the event of the simultaneous death of your spouse (road accident, fire, etc.),