Understand before choosing
A review centred on your circumstances.
Policies may provide daily benefits, disability pensions or capital, and death benefits; definitions, waiting periods and benefit calculations vary widely.
Start with your compulsory social-protection scheme
The review starts with the benefits provided by your legal status, then measures the gap against the income or expenses you want to protect. A professional practitioner, craftsperson, shopkeeper and company director may have different needs.
Waiting period, duration and benefit calculation
A short or long waiting period, fixed-benefit or indemnity-based payment, maximum benefit duration and the contractual definition of disability can substantially change the value of a policy.
Protect both household and business
Depending on your situation, the review may cover personal income, business overheads, death, children's education or protection of a spouse or partner. Each need should be quantified separately.
Compare the whole policy.
Price only makes sense alongside cover, deductibles, limits, exclusions and conditions. We collect the relevant information and present available solutions without promising cover that is not provided by the policy terms.
Questions
The essentials.
Why review benefits from the compulsory scheme first? +
Because supplementary protection should address a genuine remaining need rather than mechanically duplicate benefits that are already available.
Is the daily benefit amount enough to compare two policies? +
No. Waiting periods, incapacity and disability definitions, benefit duration, exclusions and calculation methods are equally important.
Useful references
Further information.
The general rules presented on this page are based on French public sources. The cover applicable to your case remains the cover stated in the proposed policy.