Take care of yourself
As a self-employed person, the intervention of the health insurance fund in case of illness or accident is not enough to cover your monthly fixed costs.
Guaranteed income
Guarantee your income and protect your standard of living
With guaranteed income insurance, you choose a solid financial safety net in case of illness or accident - far exceeding the limited legal safety net.
Depending on your situation, the NIHDI pays a gross daily allowance of €60 on average. But will that maintain your current standard of living?
In uncertain times, you want to stay in control. Take matters into your own hands, so that you have breathing space if things hit a snag. Don't leave your income to fate, make sure you have your own lifebelt as a self-employed person in case of disability.
As a self-employed person, why do I opt for a guaranteed income?
Maintaining living standards
In case of illness or an accident, costs quickly pile up, while your monthly obligations continue as usual.
Make sure you stay on track financially. Avoid depleting your savings just because you are trying to keep your head above water during a prolonged breakdown.
Fiscally advantageous
Premiums may be deductible as professional expenses, depending on the type of pension contract the insurance is linked to. This allows you to reduce taxes and ease your financial burden.
Calculated entrepreneurship
Being an entrepreneur means taking smart risks, but also making sure you have the right protection. As a young entrepreneur, this insurance is an absolute must for your financial portfolio. The earlier you get in, the more advantageous.
What does a guaranteed income cover?
This type of insurance is all about personal advice. Therefore, your input is invaluable.
In preparation for our face-to-face conversation, here is some food for thought:
Desired coverage: what situation do you want to insure?
- Illness and all accidents
- Illness and private accidents (including adventure hobbies)
- Disease only
Sum Insured: What is the amount you want to insure?
Keep in mind that this should (usually) not exceed 80% of your income, including any benefits from NIHDI and other insurance policies.
Waiting period in case of incapacity for work
From how many days of incapacity should the cover start? The options range from 30, 60, 90, 180 to 365 days.
Fee type
Would you like to receive a constant or increasing interest rate?
Frequently asked questions
Discover the most frequently asked questions about this insurance. Over the years, we have collected this information and summarise it here. Easy, right?
What are the main factors affecting the premium?
Of course, the sum insured relative to your income is important, but there are several factors that affect your premium.
- Age
- The excess you are willing to bear
- Profession
- Any sporting activities
- Health condition
Together, we take a thorough look at your unique situation. This is how we find the solutions that suit you best.
Up to what age can I take out this insurance?
You can take out guaranteed income insurance until the age of 55.
The earlier you take out this insurance, the more you enjoy the attractive benefits and rates.
Do all policies provide cover for mental health conditions such as burnout?
No, coverage for mental health conditions such as burnout varies from one insurer to another.
At Materné, we constantly monitor the insurance market so that we can assist you with the most comprehensive options.
In a personal meeting, we are happy to take the time to tailor your insurance products to your specific needs.
Do medical formalities always apply?
This depends on the modalities of your contract.
Medical formalities range from medical questionnaires to medical examinations. We will keep you informed throughout the entire underwriting process.
Is insurance guaranteed income always a stand-alone insurance contract?
No, this depends on your situation.
This safeguard can be linked to other pension contracts such as IPT, VAPZ, POZ, etc. In that case, you will get a discount on the premium of your guaranteed income. Building your income and pension file is a puzzle that we build in collaboration with a whole network of accountants.
Other solutions for optimal coverage
Take the uncertain as the sure thing and discover our insurance policies that perfectly match it.