Professional Insurance

Self-Employed Insurance: Health & Income Protection

Protect your business, your income and your family

As a Self-Employed Worker in France (Travailleur Non Salarié or TNS), your social security scheme exposes you to major financial risks. A work stoppage quickly weakens your financial stability because, unlike an employee who is protected by their employer, your mandatory coverage is largely incomplete. To prevent your independence from turning into precarity when facing uncertainty, it is crucial to subscribe to an income protection insurance. It represents the true shield to secure your income and that of your family.

My Solutions

Comprehensive Protection for Self-Employed workers (TNS)

Illness, an accident... What would be the financial consequences for you, your family, and your business? Two coverages are essential for comprehensive protection: supplementary health insurance and income protection.

Self-Employed Health Insurance

Self-Employed Health Insurance

Supplementary health insurance optimized for Self-Employed Workers (TNS). Tax-deductible, it covers your healthcare costs with guarantees and services tailored to your professional activity.

  • Deduct your contributions from your taxable income
  • Customize your coverage according to your needs
  • Coverage for medical overruns
  • No upfront costs: Direct billing available
Self-Employed Income Protection

Self-Employed Income Protection

Essential for the self-employed (TNS), income protection secures your income and your family in the event of work incapacity, disability, or death. Indeed, the benefits provided by your mandatory scheme may prove insufficient to maintain your standard of living and that of your family.

  • Deduct your contributions from your taxable income
  • Supplement your Mandatory Scheme's benefits in the event of disability or work incapacity
  • Protect the future of your loved ones with a lump-sum payment or a death annuity
  • Ensure your business's longevity in case of temporary work stoppage
Get my quote

Why is Self-Employed (TNS) insurance necessary?

Protect what matters most

If you were off work for six months, what would be the net monthly amount you would actually receive from your mandatory scheme? How would you cover your business's fixed expenses? In the event of your death, what lump sum or annuity would your mandatory scheme pay out to your spouse or children to ensure their financial security? Once the calculations are done, what is the real shortfall you would need to cover to maintain your family's standard of living in the event of work incapacity?

Bridge the gaps in the Mandatory Scheme

Bridge the gaps in the Mandatory Scheme

As a Self-Employed Worker (TNS), whether you are an independent contractor, manager, or professional, you do not benefit from the same protection as employees. Social security only partially reimburses your healthcare costs and does not cover your loss of income.

  • Insufficient reimbursement for medical care
  • Inadequate death benefit
  • Very low daily compensation in case of work incapacity
  • Limited benefit period (360 days)
  • No coverage for your business overheads
Tax benefits through the Madelin Law

Tax benefits through the Madelin Law

The Madelin scheme allows you to deduct your health and income protection contributions from your taxable income. The outcome: you reduce your taxes while also protecting yourself.

  • Tax deduction up to 3.75% of your professional income + 7% of the PASS (Social Security Annual Ceiling)
  • Tax savings of up to 45% of premiums/contributions
  • Reduction in social contributions
Ensuring financial stability

Ensuring financial stability

Getting TNS insurance means putting a shield around the only thing that generates your income: yourself. And by extension, it’s protecting everything that income funds: your family's standard of living, the sustainability of your business, your savings...

  • Protection of your assets/wealth: income protection prevents you from drawing on your savings
  • Ensured financial security for your spouse and children in your absence
  • Maintaining your household's income level
  • Business overhead coverage to ensure its longevity
Tailored Support

Tailored Support

Every Self-Employed Worker (TNS) has different needs depending on their activity, age, and family situation. I will guide you to find the most suitable and fiscally advantageous solution.

  • Full analysis of your current situation
  • Comparison of the best offers on the market
  • Calculation of your tax optimization
  • Assistance with enrollment and contract follow-up

Does this apply to you?

Who are Self-Employed Workers (TNS)?

TNS (Self-Employed Workers) includes all professionals who operate under their own name or within a company and are not employees.

Doctors

Lawyers

Architects

Consultants

Independent Nurses

Chartered Accountants

Merchants

Artisans

Micro-Entrepreneurs

Majority Managers

Liberal Professions

Restaurateurs

Frequently Asked Questions

Your questions about TNS insurance

Are tax deduction mechanisms mandatory?
No, tax exemption schemes are not mandatory, but they are highly recommended. They allow you to deduct your health and income protection contributions from your taxable income, which reduces both your taxes and your social contributions.
How much does self-employed insurance cost?
The cost varies considerably depending on your age, profession, income, and level of coverage. You should budget between €100 and €300 per month for quality health + income protection coverage. After tax deduction (30–45%), the cost is halved. Aside from the price, also check the deductibles/franchises, exclusions, and waiting periods.
Doesn't my Mandatory Scheme already cover me?
The mandatory scheme for Self-Employed Workers (TNS) offers only basic coverage, and it is insufficient: For example, a plumber with an average annual income (over the last 3 years) of €19,666 will only receive €26.94 per day in the event of work incapacity, representing a shortfall of 50% of their business income.
How does my Mandatory Scheme calculate my daily benefits in the event of work incapacity?
After a 3-day waiting period, you will receive (your annual income) / 730. The duration and ceilings depend on your Mandatory Scheme. Example: If your annual income is €80,000, in the event of work incapacity, you will receive €80,000 / 730 = €109.59 in daily benefit. That is 50% less than when you were actively working. Income protection allows you to maintain your income.
How do I sign up for TNS insurance?
Contact me for a free audit of your situation. I will guide you in choosing your insurance and help you maximize your tax optimization.
I am a micro-entrepreneur (sole proprietor), does this apply to me?
Yes. Micro-entrepreneurs face the same deficiencies in the mandatory scheme. They are considered Self-Employed Workers (TNS). The only difference is that income protection contributions are not tax-deductible under the micro-enterprise regime. You must therefore subscribe to a non-Madelin contract. It is essential to secure protection with income insurance as a micro-enterprise because if you cannot work, you have no income. I can offer you policies tailored to your budget.
If I have supplementary health insurance, why should I subscribe to income protection?
These are two complementary and essential forms of protection. You need both. Supplementary health insurance covers your healthcare expenses (doctor, medication, hospitalization, dental, optical...). Income protection secures your income and your family by paying benefits in the event of work incapacity, disability, or death. It replaces your lost professional income and ensures your family’s financial stability.
What is the difference between a Madelin contract and a non-Madelin contract?
With a Madelin contract, contributions are tax-deductible, but benefits are taxable. Payout is only possible as an annuity (except in the event of death). You also have the obligation to contribute until retirement or the sale of your business. With a non-Madelin contract, contributions are not deductible, and benefits are non-taxable. Payout can be in the form of a lump sum or an annuity, at your choice. Cancellation is possible at any time. How to choose? If you are a taxable Self-Employed Worker (TNS) (TMI > 30%), a Madelin contract will be advantageous due to the immediate tax deduction. A non-Madelin contract may be suitable for those with very low incomes or if you plan to stop your activity quickly. I will guide you towards the solution most adapted to your situation.

Get a free audit of your situation

I help you find the best income protection policy for the self-employed (TNS) and maximize your tax savings

Book a consultation