For the self-employed and businesses
Income protection insurance
A self-employed person has no employer and no guaranteed salary. When unable to work, the health fund benefit replaces only part of your income. Income protection insurance pays an additional benefit, with the amount set in the policy.
- 4,4 out of 5, 83 Google reviews
- Independent broker, not a bank!
- 12 insurance companies compared
Our partner insurers
Useful if
- 1You are self-employed and an illness stops you from working.
- 2You find the health fund benefit too low for your expenses.
- 3You have fixed costs to pay even with no income.
What the policy can cover
- Incapacity from illness or accident
- Periodic benefit set in the policy
- Waiting period chosen at the start
- Top-up to the health fund benefit
- Benefit period set in the policy
The exact cover, excesses and exclusions depend on the insurer and the policy. We compare 12 insurers and give you an offer.
What the health fund does not cover
A self-employed person unable to work receives a benefit from their health fund, with daily amounts set according to family situation and not directly linked to what they earned. Incapacity of less than eight days is not compensated.
For a self-employed person with fixed costs, the gap between that benefit and their usual income can weigh heavily.
Waiting period, amount, duration
Three settings determine the price: the amount insured, the waiting period before payments start, and how long benefits are paid. A longer waiting period lowers the premium but leaves you on your own for longer.
We start from your real costs to set the amount, without insuring more than is useful.
Having your situation reviewed
A health questionnaire is usually required when taking out the policy. Tell us your income and your costs, we compare our partner insurers and present the result. You decide.
What our clients say…
Read all reviews on GoogleJe suis vraiment très contente du service que j’ai reçu. Toute l’équipe a fait preuve d’un grand professionnalisme et d’une vraie qualité de service du début à la fin. Je me suis toujours sentie accompagnée et soutenue, avec une présence constante et beaucoup d’attention à mes besoins. On sent que chacun donne son maximum pour satisfaire les clients, et cela fait toute la différence. Je tiens à remercier tout particulièrement le courtier Monsieur Kubat Ali pour son professionnalisme, sa disponibilité et son accompagnement tout au long du processus. Son écoute et son implication ont été très appréciées. Un grand merci à toute l’équipe pour leur gentillesse et leur travail de qualité. Je recommande vivement !
Sirin Yildirim
Merci beaucoup à Pinar pour tous les démarches qu'elle a effectuée pour l'obtention de notre crédit! Dès le début elle a été présente, et une personne de confiance. De nos jours c'est tellement difficile de trouver un gestionnaire qui suit parfaitement ces dossiers pour la satisfaction du client. Merci encore!
Ciftci Baris
Excellent service, bon accueil, toujours disponible avec ses clients. Merci à vous Monsieur Bayram. Vous êtes quelqu'un d'exceptionnel et gardez toujours votre sourire et votre hospitalité. Franchement à recommander.
Chris Luedi
Who will call you back?
Your request is handled here at Passage Charles Rogier by the person who will see it through to signing.
Rüstem Liman
Financial manager
Pinar Mugla
Sales associate, mortgages and insurance
Ali Kubat
Mortgages
Bayram Cakir
Mortgages
Bahar Celik
Instalment loans
Tolga Demirkazik
Insurance account manager
Sinan Yilmaz
Insurance account manager
We see clients by appointment, Passage Charles Rogier 10, two minutes from Rogier metro station.
02 203 24 34
Your questions
Why take insurance on top of the health fund?
The health fund benefit replaces only part of your income. Guaranteed income insurance pays a supplementary benefit, set in the contract.
What is the waiting period?
It is the period of incapacity before the benefit is paid. You choose it at the start, and it affects the contract.
How do I choose the benefit amount?
The amount is set in the contract. We work it out with you based on your fixed expenses and your situation.
For how long am I paid?
The payment period is set in the contract and varies from one insurer to another. We compare it with you.
Our other insurance products
For individuals- Professional liability insuranceThe damage your business activity causes to clients or third parties.
- Fire and business package insuranceYour premises, contents and stock, and lost income after a claim.
- Work accident insuranceThe insurance every private sector employer must take out for their staff.
- Supplementary pension for the self-employedTop up the statutory pension, with a tax advantage under conditions.
