{"id":25902,"date":"2022-09-27T16:21:57","date_gmt":"2022-09-27T14:21:57","guid":{"rendered":"https:\/\/hiptown.com\/the-importance-of-a-dedicated-health-insurance-plan-for-freelancers\/"},"modified":"2025-10-16T14:30:15","modified_gmt":"2025-10-16T12:30:15","slug":"the-importance-of-a-dedicated-health-insurance-plan-for-freelancers","status":"publish","type":"post","link":"https:\/\/hiptown.com\/en\/the-importance-of-a-dedicated-health-insurance-plan-for-freelancers\/","title":{"rendered":"The importance of a dedicated health insurance plan for freelancers"},"content":{"rendered":"

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.
\nAnd yet, it’s a very useful way of coping with life’s hazards.
\nAlthough it’s not compulsory, a freelance health insurance policy is highly recommended, not least because of the tax advantages it offers.
\nOur explanations to help you see things more clearly!<\/p>\n<\/div>

WHY SUBSCRIBE TO A HEALTH INSURANCE PLAN FOR FREELANCERS?<\/h3><\/div>

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.<\/x>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.
\nThat’s why you need a freelance health insurance plan to cover some, and sometimes all, of your healthcare costs not covered by Social Security.
\nThe mutuelle freelance also covers excess fees.
\nWith a mutuelle freelance, you won’t have to pay in advance, and you’ll benefit from third-party payment.
\nIf 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!
\nHaving 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.
\nYou can also insure your dependants on your freelance health insurance policy.<\/p>\n<\/div>

LOI MADELIN: FREELANCE HEALTH INSURANCE CONTRIBUTIONS TAX-DEDUCTIBLE FOR SELF-EMPLOYED WORKERS<\/h3><\/div>

To encourage non-salaried workers (TNS) to take out a freelance mutual insurance policy, the Madelin scheme was introduced.
\nThis 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.
\nThanks 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.
\nApart from mutual insurers, the following contracts are eligible for this scheme:
\n– provident insurance contracts (sick leave, disability, etc.);
\n– retirement savings contracts;
\n– unemployment cover in the event of job loss.
\nThis 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.
\nIf 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.
\nTake advantage of the tax breaks offered by the Madelin law, and finance your freelance health insurance with your structure rather than your personal funds!<\/em><\/p>\n<\/div>

HEYME FREELANCE: COMPLEMENTARY HEALTH INSURANCE FOR THE SELF-EMPLOYED<\/h3><\/div>

Starting at \u20ac16\/month (age-based pricing), HEYME Freelance offers comprehensive coverage including :<\/p>\n