Your questions, our answers
Understanding your insurance, made simple
Health cover, working across the border, mortgages or financial planning: find clear answers and the right tools to take the next step.
Ask a question
Our clients’ reviews on Google Read reviews
Browse by topic
Answers to your questions
73–84 of 308 questions
Health insuranceWhat does the death benefit provide for artisans and shopkeepers?
It provides a lump sum or annuity to beneficiaries to cover funeral costs or loss of income.
Health insuranceWhat is the purpose of work stoppage insurance for artisans and shopkeepers?
It covers fixed business costs to prevent closure in the event of a prolonged work stoppage.
Health insuranceWhat welfare benefits are available for artisans and shopkeepers?
They include daily allowances, disability pensions, death benefits, and coverage of fixed costs.
Health insuranceWhich legal texts govern welfare for artisans and shopkeepers?
Welfare is governed by the Social Security Code and the Mutuality Code.
Health insuranceWhat is a Madelin welfare contract?
It is a scheme for self-employed workers to subscribe to welfare cover with tax advantages.
Health insuranceWhat are the main benefits of Madelin welfare contracts?
They include work incapacity, disability, death, and dependency to secure self-employed workers' income.
Health insuranceWhat are the tax benefits of Madelin contracts?
Contributions are tax-deductible within legal limits, optimizing the self-employed workers' tax system.
Health insuranceWhat are the conditions for subscribing to a Madelin contract?
You must be self-employed and make regular payments within the deductible limits.
Health insuranceCan you optimize your taxes with a Madelin contract?
Yes, contributions are deductible, reducing your taxable base while benefiting from social protection.
Health insuranceWhich laws govern Madelin contracts?
They are governed by the General Tax Code and the Social Security Code.
Health insuranceWhy subscribe to a Madelin welfare contract?
To protect yourself against professional risks and optimize your taxation thanks to the available benefits.
Health insuranceHow does health reimbursement work in France?
Health expenses are partially covered by Social Security, with the remainder potentially covered by complementary health insurance.
From answers to action
Take the next step
Free tools to help you plan ahead and get a personalised quote.

- Health top-up insurance in FranceCompare premiums and benefits for your profile, then receive quotes for the offers you select.
- Cross-border health top-up insuranceCompare Alptis and REPAM offers, premiums and benefits for your healthcare in France and Switzerland.
- CMU or LAMal?Estimate and compare contributions to help you choose a health insurance scheme as a cross-border worker.
Alperea Assurances
Your question deserves personal advice
Our team in Gex helps you choose cover that suits your circumstances.