There are different types of voluntary insurance: sickness, old age, work accidents. But what is it really? Who are they for? Why and how to subscribe? Here is everything you need to know about the coverage available under voluntary insurance.
Voluntary insurance is intended for people who are not or no longer have compulsory coverage for one or more “risks” covered by the general social security system. It allows them to benefit from support when needed. An emergency device to know to stay insured, whatever your situation.
WHAT IS VOLUNTARY INSURANCE?
Voluntary insurance is an optional social security scheme to which a person who is no longer affiliated with the compulsory scheme can join on his own initiative in order to benefit from the coverage offered by social security.
It can be voluntary insurance:
- Old age
- Work accident.
WHO IS SHE TALKING TO ?
Voluntary insurance is intended for insured persons who are not affiliated with any scheme and who do not have a professional activity.
This will be the case, for example, of an annuitant or people unable to work following an accident of life.
It can also concern people who exercise a liberal profession (medical practitioners, etc.).
VOLUNTARY HEALTH INSURANCE
This is a scheme reserved for people who have been affiliated to the general scheme for employees (and who have contributed at least 6 months to this scheme), and who no longer meet the necessary conditions to be subject to it.
These people then have the possibility of subscribing to voluntary health insurance which will give them health rights.
To be able to subscribe to it, you must no longer exercise any salaried activity, unless it is weak enough to not give rise to any right to health benefits.
Note: the subscription request must be made within 6 months of the end of membership in the compulsory health plan.
VOLUNTARY OLD AGE INSURANCE
People who are not attached to a pension scheme can also contribute to old-age insurance. These include:
- employees (private and public) who have ceased their activity as an employee
- self-employed workers who have ceased their activity ( family carers of a craft or commercial enterprise and spouses-collaborators who have ceased to be affiliated to the compulsory scheme, following a divorce or the termination of the activity of their spouse)
- parents who are raising at least one child (in France or abroad), or who are looking after a spouse or a disabled parent and who have no paid activity
- expatriates , employees or in independent profession (craftsman, merchant, liberal profession, farmer)
Note: voluntary insurance allows people not affiliated with the general scheme to continue to contribute for retirement. The voluntary old-age insurance allows validation every quarter for the years concerned. It increases the number of quarters, and therefore reduces any discount that could reduce the supplementary pension.
VOLUNTARY WORK ACCIDENT INSURANCE
Practitioners exercising under liberal profession status are not affiliated to a compulsory protection scheme against the risks of work accidents or occupational diseases. However, they are just as exposed as employees to the occurrence of events of this nature in the course of their activity.
The financial stakes are far from neutral in the event of accidents. Thus, taking out voluntary insurance will allow them to benefit, in return for the payment of a contribution, from protection in the event of AT MP (work accident, commuting accident, occupational disease).
Note: this voluntary insurance will also be open to the collaborating spouse.
INITIATE THE STEPS IN PRACTICE
The steps to take out voluntary insurance should not be neglected because, during the period between leaving the compulsory scheme and joining voluntary insurance, the risks are not covered. In other words, the costs will be borne by the person concerned.
For any further information, please contact the primary health insurance fund in your department, and make an appointment with an advisor.
HOW MUCH DOES IT COST ?
The amount of the contribution varies according to the applicant’s situation. When applying for membership, the applicant is classified in a category according to his remuneration over his last 6 months. It is on this basis that the contribution will be calculated, which will be payable exclusively by the beneficiary.