Individuals Menu Personal space Foresight, a necessity Published on 09/23/2020 You never know what the future holds. Take stock of your pension with your advisor. If the health insurance covers the health risk, the inability to work or the death require specific protection, and even essential, for the business manager and his family. Emmanuel Laventure - Banque Populaire Aquitaine Center Atlantique The notion of foresight is often assessed with regard to health risk coverage alone, so that the consequences of temporary or permanent incapacity for work, invalidity or death are neglected. However, the compulsory health insurance scheme is relatively protective whatever the status of the contributor. In particular, it covers serious illnesses 100% . This does not take away the interest of a complementary health (mutual) to cover current health expenses. En revanche, les conséquences en termes de perte de revenus d’une incapacité temporaire ou définitive de travail, ou pire encore pour l’entourage d’une invalidité ou d’un décès sont très peu indemnisées par les régimes obligatoires. Les garanties décès des régimes obligatoires semblent également dérisoires pour le maintien du niveau de vie des proches : versement de moins de 3 000 € pour un travailleur non salarié, jusqu’à moins de 10 000 € pour un salarié non cadre, seuls les cadres étant un peu mieux lotis. Ces exemples confirment l’importance de protéger ses proches voire son entreprise lorsqu’on en est le dirigeant, en cotisant volontairement pour des garanties complémentaires (capital, pension de veuvage, d’éducation…), Which makes it possible to obtain, depending on the case, a reduction in tax and social charges. Similar topics PRIVATE BANKING INDIVIDUALS FORESIGHT Individuals / Our advice for individuals / Foresight, a necessity Find an agency 3300 points of sale All about the security & protection of personal data Our advice to be vigilant Your remote banking services Discover our sites and applications Credit repurchase Become owner Finance your real estate purchase Bridge credit Invest in new or old Revolving credit NOT Notary fees FAQs Contact us Accessibility (partially compliant) Our offers Individuals Professionals Companies Private banking Your Banque Populaire Who are we ? Our regional banks Our engagements To be a member Follow Private Banking news Recruitment Guarantee of deposits Protection of personal data Managing cookies Security Prices Legal Notice Regulations Continue without accepting Your cookie settings Banque Populaire and its partners use tracers to keep our site running smoothly, anonymously measure its audience, personalize your experience on our site, personalize commercial assistance following your browsing, display video content, or even personalize ads. advertisements disseminated on the Internet outside our site and application. You can accept these cookies, customize your choices or continue without accepting (equivalent to refusal) by clicking on the buttons in this window. The Information and Cookie Management page provides you with details of the trackers and allows you to reconsider your choices at any time. Personalize Accept all