The importance of a dedicated health insurance plan for freelancers

Compulsory when you’re an employee, health insurance isn’t necessarily the first thing on your mind when you become a freelancer. Many self-employed workers skip out on supplementary health insurance, either because it’s considered a superfluous expense, or because they simply don’t know enough about the subject.
And yet, it’s a very useful way of coping with life’s hazards.
Although it’s not compulsory, a freelance health insurance policy is highly recommended, not least because of the tax advantages it offers.
Our explanations to help you see things more clearly!

It’s not compulsory to have a health insurance policy when you’re a freelancer. However, it is strongly recommended that you take out this type of insurance.In fact, the social security system associated with freelance status is not as advantageous as that provided for salaried employees: even if social security contributions enable you to benefit from Social Security allowances, coverage remains low in relation to healthcare expenses, particularly for certain treatments such as optical care (glasses, contact lenses, etc.), dental care (crowns, prostheses, dental implants, etc.), hospitalization costs and so on. For example, if hospitalization is necessary, the out-of-pocket expenses can quickly reach substantial sums, which can lead to a disastrous financial situation.
That’s why you need a freelance health insurance plan to cover some, and sometimes all, of your healthcare costs not covered by Social Security.
The mutuelle freelance also covers excess fees.
With a mutuelle freelance, you won’t have to pay in advance, and you’ll benefit from third-party payment.
If you don’t have a complementary health insurance plan, you may not be able to treat yourself properly due to a lack of financial resources, which could jeopardize your professional activity and have a huge impact on your finances. Having a good freelance health insurance plan also means you don’t have to postpone your medical treatment indefinitely. By looking after yourself properly, you’ll gain in peace of mind and productivity!
Having a freelance health insurance policy will also give you access to additional comfort: a single room in the event of hospitalization, access to alternative medicine such as osteopathy, sophrology, acupuncture, etc.
You can also insure your dependants on your freelance health insurance policy.

To encourage non-salaried workers (TNS) to take out a freelance mutual insurance policy, the Madelin scheme was introduced.
This scheme, which came into force on February 11, 1994, improves social protection for non-salaried workers who earn non-commercial profits (BNC) or industrial and commercial profits (BIC), and who have to pay their own healthcare costs.
Thanks to the Madelin law, self-employed workers benefit from an attractive tax advantage: they can deduct their mutual insurance contributions from their taxable income, up to the tax deduction ceiling. This ceiling is determined on the basis of the annual social security ceiling (PASS) and their professional income.
Apart from mutual insurers, the following contracts are eligible for this scheme:
– provident insurance contracts (sick leave, disability, etc.);
– retirement savings contracts;
– unemployment cover in the event of job loss.
This tax advantage is reserved for non-salaried workers, such as directors of EURLs, EIRLs, majority managers of SARLs or SASs, and partners and chairmen of SASUs.
If you’re a freelance auto-entrepreneur or agricultural self-employed worker, you can’t deduct your contributions from your taxable income, because you’re not covered by the actual tax system. As a freelance auto-entrepreneur or agricultural self-employed person, you already benefit from a flat-rate deduction from your sales. In other words, your expenses are already factored in by the tax authorities.
Take advantage of the tax breaks offered by the Madelin law, and finance your freelance health insurance with your structure rather than your personal funds!

Starting at €16/month (age-based pricing), HEYME Freelance offers comprehensive coverage including :

• routine care ;
• hospitalization costs ;
• optical care ;
• dental care.

In addition to the basic formula, you can supplement your essential care with additional options:

• dental: better reimbursements for prostheses and flat-rate reimbursements for implantology and periodontology
• optics: better reimbursements for frames, lenses and contact lenses and partial coverage of eye surgery
• including: better reimbursement of excess fees, medical procedures ;
• package for a single room ;
• alternative medicine package.

HEYME Freelance also includes a “World” option to cover your healthcare expenses incurred while traveling abroad at actual cost, even in the event of Covid -19.
Take advantage of promo code HIPTOWN-10 and benefit from a 10% discount on your HEYME Freelance complementary health insurance.
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