{"id":51,"date":"2026-10-22T09:00:00","date_gmt":"2026-10-22T09:00:00","guid":{"rendered":"https:\/\/assurance-courtage.ch\/?p=51"},"modified":"2026-10-22T09:00:00","modified_gmt":"2026-10-22T09:00:00","slug":"independants-proteger-son-revenu","status":"publish","type":"post","link":"https:\/\/assurance-courtage.ch\/en\/?p=51","title":{"rendered":"Self-employed: how to protect your income if you cannot work"},"content":{"rendered":"<p>An employee is generally covered in case of absence from work. For a self-employed person, <strong>nothing is automatic<\/strong>: without a suitable contract, income stops quickly.<\/p>\n<h2>What social insurance provides<\/h2>\n<p>Disability insurance (AI\/IV) only steps in after a long period of incapacity and its benefits do not replace a self-employed income. There is no mandatory daily sickness allowance for the self-employed.<\/p>\n<h2>Daily sickness allowance<\/h2>\n<p>It is taken out on a voluntary basis, generally under the Insurance Contract Act (VVG\/LCA). The <strong>waiting period<\/strong> (30, 60, 90 days or more) strongly influences the premium: the longer it is, the lower the premium, but the more reserves you need to get through.<\/p>\n<h2>Accidents<\/h2>\n<p>Self-employed people are not compulsorily insured against accidents under the UVG\/LAA; voluntary insurance is possible and recommended.<\/p>\n<h2>Points to check<\/h2>\n<ul>\n<li>the insured income, which should reflect your real income;<\/li>\n<li>the waiting period and the maximum benefit period;<\/li>\n<li>exclusions and health reservations;<\/li>\n<li>coordination with your 2nd and 3rd pillars.<\/li>\n<\/ul>\n<p>We can help you quantify your protection needs: <a href=\"https:\/\/assurance-courtage.ch\/en\/prevoyance\/\">discover our pension planning approach<\/a>.<\/p>\n<p><em>General information only, not personalised advice. Rules and deadlines can change: please check them against your own situation.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>With no employer to continue your salary, illness or an accident can quickly become a financial problem. The solutions to consider.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[4],"tags":[],"class_list":["post-51","post","type-post","status-publish","format-standard","hentry","category-prevoyance"],"_links":{"self":[{"href":"https:\/\/assurance-courtage.ch\/en\/index.php?rest_route=\/wp\/v2\/posts\/51","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assurance-courtage.ch\/en\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/assurance-courtage.ch\/en\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/assurance-courtage.ch\/en\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/assurance-courtage.ch\/en\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=51"}],"version-history":[{"count":0,"href":"https:\/\/assurance-courtage.ch\/en\/index.php?rest_route=\/wp\/v2\/posts\/51\/revisions"}],"wp:attachment":[{"href":"https:\/\/assurance-courtage.ch\/en\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=51"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/assurance-courtage.ch\/en\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=51"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/assurance-courtage.ch\/en\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=51"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}