Replacement income in the event of sickness or accident
As a self-employed person you already know that a regular arrangement does not guarantee you sufficient income if you can no longer work due to an accident or sickness. Additional insurance is therefore a must.
Guaranteed Income Insurance
The single greatest risk you face as a self-employed person is that you'll no longer be able to work tomorrow. Because your source of income immediately dries up. And the legal safety net provisions are very minimal. A supplementary Guaranteed Income Insurance gives you much greater financial security. And it is tax deductible.
Low premiums, high replacement income
Put a fixed sum aside every month. That way you are assured of a comfortable monthly replacement income until you reach retirement age if you are rendered unfit to work due to an accident or sickness.
Your premium stays the same:
even when you get older and your risks increase, you pay the same amount.
- All you have to do is fill in a medical questionnaire: no need for a medical examination for an insured annuity less than €20,000 if you are younger than 50.
- Your fiscal and social advantages start today: all premiums are totally tax deductible as a professional cost from the first day.
- During your invalidity period Securex reimburses your deposited premium: that way you benefit from the maximum of your monthly sum when something happens to you.
Comprehensive global coverage
- insured against any accident, wherever and whenever it happens, even outside work activities;
- receive a monthly replacement income from the moment you are 25% disabled. The amount depends on the degree of physical and economic disability. From the moment you are 66% disabled, you will receive 100% replacement income.
Determine your own coverage
- choose a constant or valorised interest;
- your final age at 55, 60 or 65;
- your time of incompetence up to 30 days for sickness or 7 days for accident. Or choose a longer period if you want;
- set the limit on your contribution to medical costs;
- a number of other options to increase your comfort.
Physical Accident Insurance
Accidents happen. And the financial consequences are often disastrous. An additional Physical Accident Insurance softens the blow. You enjoy the same protection as an employee. And you are also insured for non-work related accidents.
Securex Physical Accident Insurance 24/24 is designed specifically for people whose self-employed activity is a primary occupation. Because the health insurance company only pays out a minimum when you have an accident.
Avoid astronomical doctor’s bills
The rules are simple.
- You are covered in the event of any accident. Seven days a week.
- Non-work accidents are also covered.
- In the event of invalidity or temporary inability to work we calculate your replacement income based on your actual income (read the general terms and conditions for exceptions).
NIHDI contract for medical professions
As a doctor, dentist, pharmacist or physiotherapist you benefit from an annual contribution from the NIHDI. Have you already considered wisely investing this money? The Securex NIHDI contract guarantees your income.
Option 1: Supplementary Social Pension
If you opt to save your annual contribution, you can win three times over:
- high interest: your contributions yield more than the market average.
- great stability: we immediately capitalise all contributions for the whole duration of the contract.
- profit sharing: you enjoy fiscally favourable payout from our profit.
Option 2: Guaranteed Income Insurance
If you would rather use that NIHDI contribution to optimise your social status today, then we advise choosing our Guaranteed Income Insurance. That way you get a double advantage:
- immediate additional protection;
- fiscally favourable use of your contribution.
