Distinctions that control the next step
Start with recognised status
The compensation office decides whether an activity is self-employed for social insurance. A trading name or invoicing method does not determine every protection.
Inventory voluntary protection
Review sickness allowance, voluntary accident insurance, voluntary occupational pension and any private incapacity cover separately. Each has its own triggers and evidence.
Test financial continuity
Without transmitting data, map locally which costs continue and what reserves exist. Then compare waiting structures and insured bases in written offers.
Verify the route in four steps
Identify the system, documents already held and competent body before drawing a conclusion; sensitive material remains in that body's official channels.
Start with recognised status
The compensation office decides whether an activity is self-employed for social insurance. A trading name or invoicing method does not determine every protection.
Inventory voluntary protection
Review sickness allowance, voluntary accident insurance, voluntary occupational pension and any private incapacity cover separately. Each has its own triggers and evidence.
Test financial continuity
Without transmitting data, map locally which costs continue and what reserves exist. Then compare waiting structures and insured bases in written offers.
Obtain written confirmation
Contact the competent employer, insurer, AI office or pension institution directly and use only its secure channel.
Limits and essential checks
- This page recommends no insured amount, predicts no admission and is not tax, legal or accounting advice.
- General information only: no incapacity is assessed automatically and no diagnosis is made.
- No entitlement, amount, deadline, rate, acceptance or contract change is promised; only the competent body may decide under the applicable rules.
- ClairAssur is not a reporting channel: do not send documents, health data, diagnoses, claim numbers or free-text case descriptions here.
Official sources
Sources are shown in an available official language; the current text and the competent body's decision prevail.
- OFAS — Activité indépendante et couverture socialeOfficial French · Vue officielle des assurances obligatoires et facultatives pour les personnes reconnues indépendantes.↗
- OFSP — Assurance facultative d'indemnités journalièresOfficial French · Distinction officielle entre les régimes LAMal et LCA et leurs principes généraux.↗
- Fedlex — Loi fédérale sur l'assurance-maladie (LAMal)Official French · Texte fédéral consolidé du régime social, dont l'assurance facultative d'indemnités journalières.↗
- Fedlex — Loi sur le contrat d'assurance (LCA)Official French · Texte fédéral consolidé applicable aux contrats d'assurance privés; les conditions contractuelles restent déterminantes.↗
- Fedlex — Loi fédérale sur l'assurance-accidents (LAA)Official French · Texte fédéral consolidé relatif à l'assurance-accidents et à ses prestations.↗