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

Guaranteed income for the self-employed is insurance that provides financial protection if you become incapacitated due to illness or injury.

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?

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.

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.

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.

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.

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.

Turnover insurance protects your business against financial losses if you are (temporarily) unable to work due to illness or accident.
Pension savings
Secure a good pension through retirement savings - take your fate into your own hands. Materné will be happy to guide you through the options.
Individual pension commitment for the self-employed (IPT)
An Individual Pension Pledge is designed to build up a supplementary pension over and above the statutory pension scheme for self-employed workers.
Protect your business against financial risks with credit insurance. Your invoices will be paid even if one of your customers goes bankrupt.
Accident insurance protects you from the financial consequences of accidents or injuries. Materné will compare the options with you.

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