It was the Evin law of December 31, 1989 that defined the contours of provident insurance in French law. Provident insurance is thus defined by “” operations aimed at preventing and covering the risk of death, risks affecting the physical integrity of the person or related to maternity or risks of incapacity for work or disability or unemployment risk. »The organizations with which such insurance can be taken out are companies governed by the insurance code, mutual insurance companies and provident institutions. This type of insurance is taken out to anticipate plausible but uncertain risks that may arise during course of life for any individual: a fall, injury, illness, incapacity or death. Provident insurance is taken out over several years: the insured pays monthly contributions which accumulate and thus a capital. Its purpose is to financially protect a family against various risks. Be careful however, if no accident occurs in the life of the insured, the sums are paid “lost funds”, that is to say that the money saved is lost.
A work stoppage generally leads to a drop in income, whether it is illness or an accident. Provident insurance makes it possible to compensate for this loss and to maintain the standard of living of an employee or an arrested civil servant. Indeed, health insurance only compensates up to 50% of the daily reference salary for the calculation of daily allowances paid. The employee must have a minimum of one year’s seniority to claim partial salary maintenance. an accident causing the work stoppage.Planet offers you the best guarantees of provident insurance.
Death is part of the definition of pension. Two contracts exist: death insurance or funeral insurance. In the case of death insurance, the entourage of the deceased will be able to face the financial stakes of the disappearance of a loved one, thanks to the payment of a capital or an annuity. The advantage is that the beneficiaries can freely dispose of this sum. For funeral insurance, the capital is paid to the designated beneficiary, who must use it exclusively to finance the funeral of the insured. If there is a remainder, he can keep it.
Disability insurance provides for the payment of a lump sum or an annuity to supplement the disability pension received by a person recognized as disabled. This thus makes it possible to compensate for the amount of the invalidity pension which is lower than the income received in the context of a professional activity. This amounts to compensating for the reduction in working capacity until the resumption of professional activity or obtaining a retirement pension. With Planet, choose the best provident insurance.
Today, in France, there are six million people over the age of 75 and 86% of them are dependent, i.e. more than one million people. They will be one and a half million in 2030 and more than two million in 2060. Dependency is the main guarantee of provident contracts. If the insured becomes dependent, he receives the planned benefit, whether in annuity or in capital according to the formula chosen. It is possible to subscribe to a specific contract to anticipate this risk, with amounts which can be modulated according to contributions paid. In the contract, support services can also be included. Dependency is defined by a state in which people find themselves who, for reasons related to the lack or loss of physical or psychological autonomy, need significant assistance in carrying out everyday activities. As defined by the regulations, only people aged 60 and over can benefit from long-term care benefits. Younger people with a loss of autonomy are handicapped, disabled, or taken care of under work accident insurance.
