{"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\/?p=51","title":{"rendered":"Ind\u00e9pendants : comment prot\u00e9ger son revenu en cas d\u2019incapacit\u00e9 de gain"},"content":{"rendered":"<p>Un salari\u00e9 b\u00e9n\u00e9ficie g\u00e9n\u00e9ralement d\u2019une couverture en cas d\u2019arr\u00eat de travail. Pour un ind\u00e9pendant, <strong>rien n\u2019est automatique<\/strong> : sans contrat adapt\u00e9, le revenu s\u2019interrompt rapidement.<\/p>\n<h2>Ce que pr\u00e9voient les assurances sociales<\/h2>\n<p>L\u2019assurance-invalidit\u00e9 (AI) n\u2019intervient qu\u2019apr\u00e8s une longue p\u00e9riode d\u2019incapacit\u00e9 et ses prestations ne remplacent pas un revenu d\u2019ind\u00e9pendant. Il n\u2019existe pas d\u2019indemnit\u00e9 journali\u00e8re obligatoire pour les ind\u00e9pendants en cas de maladie.<\/p>\n<h2>L\u2019indemnit\u00e9 journali\u00e8re maladie<\/h2>\n<p>Elle se conclut \u00e0 titre facultatif, g\u00e9n\u00e9ralement sous le r\u00e9gime de la loi sur le contrat d\u2019assurance (LCA). Le <strong>d\u00e9lai d\u2019attente<\/strong> (30, 60, 90 jours ou plus) influence fortement la prime : plus il est long, plus la prime baisse, mais plus vous devez disposer d\u2019une r\u00e9serve pour tenir.<\/p>\n<h2>L\u2019accident<\/h2>\n<p>Les ind\u00e9pendants ne sont pas obligatoirement assur\u00e9s contre les accidents selon la LAA ; une assurance facultative est possible et recommand\u00e9e.<\/p>\n<h2>Les points \u00e0 v\u00e9rifier<\/h2>\n<ul>\n<li>le revenu assur\u00e9, qui doit refl\u00e9ter votre revenu r\u00e9el ;<\/li>\n<li>le d\u00e9lai d\u2019attente et la dur\u00e9e maximale des prestations ;<\/li>\n<li>les exclusions et les r\u00e9serves de sant\u00e9 ;<\/li>\n<li>la coordination avec votre 2e et votre 3e pilier.<\/li>\n<\/ul>\n<p>Nous vous aidons \u00e0 chiffrer votre besoin de protection : <a href=\"https:\/\/assurance-courtage.ch\/prevoyance\/\">d\u00e9couvrir notre approche pr\u00e9voyance<\/a>.<\/p>\n<p><em>Information g\u00e9n\u00e9rale, sans valeur de conseil personnalis\u00e9. Les r\u00e8gles et d\u00e9lais peuvent \u00e9voluer : v\u00e9rifiez-les pour votre situation.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sans employeur pour maintenir le salaire, un arr\u00eat maladie ou un accident peut vite devenir un probl\u00e8me financier. Les solutions \u00e0 examiner.<\/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\/index.php?rest_route=\/wp\/v2\/posts\/51","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/assurance-courtage.ch\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/assurance-courtage.ch\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/assurance-courtage.ch\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/assurance-courtage.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=51"}],"version-history":[{"count":0,"href":"https:\/\/assurance-courtage.ch\/index.php?rest_route=\/wp\/v2\/posts\/51\/revisions"}],"wp:attachment":[{"href":"https:\/\/assurance-courtage.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=51"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/assurance-courtage.ch\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=51"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/assurance-courtage.ch\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=51"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}