{"id":901,"date":"2021-02-24T22:39:31","date_gmt":"2021-02-24T21:39:31","guid":{"rendered":"https:\/\/mysavings.be\/nos-produits\/garanties-complementaires-2\/"},"modified":"2024-02-01T09:43:17","modified_gmt":"2024-02-01T08:43:17","slug":"garanties-complementaires-2","status":"publish","type":"product","link":"https:\/\/mysavings.be\/fr\/onze-producten\/pension\/pension-libre-complementaire\/Information\/garanties-complementaires-2\/","title":{"rendered":"Garanties compl\u00e9mentaires"},"content":{"rendered":"<p>Afin de maintenir votre train de vie, il est conseill\u00e9 de souscrire une assurance compl\u00e9mentaire afin de vous pr\u00e9munir contre la perte de revenus qu\u2019engendrerait votre d\u00e9c\u00e8s, une maladie ou une invalidit\u00e9. MySavings vous conseille de combiner ce type de couverture avec une assurance vie. Vous obtenez alors un tarif plus int\u00e9ressant en raison de la combinaison avec votre PLCI.<\/p>\n<ul>\n<li>Assurance en cas de d\u00e9c\u00e8s\u00a0: le paiement doit faire en sorte que votre emprunt soit rembours\u00e9 ou que vos proches soient prot\u00e9g\u00e9s\n<ul>\n<li><strong>Couverture d\u00e9c\u00e8s\u00a0<\/strong>: l\u2019assureur verse un capital \u00e0 vos proches en cas de d\u00e9c\u00e8s<\/li>\n<li><strong>Couverture accident<\/strong>\u00a0: vos proches re\u00e7oivent le versement d\u2019un capital compl\u00e9mentaire en cas de d\u00e9c\u00e8s par accident (uniquement pour cause d\u2019accident)<img loading=\"lazy\" decoding=\"async\" style=\"margin: 20px;\" src=\"https:\/\/mysavings.be\/wp-content\/uploads\/2021\/03\/Sprongvanrotsenmetzon-7.jpg\" alt=\"\" width=\"371\" height=\"247\" \/><\/li>\n<\/ul>\n<\/li>\n<li>Assurance en cas d\u2019invalidit\u00e9 : Ce type d\u2019assurance est particuli\u00e8rement int\u00e9ressante pour les ind\u00e9pendants, qui autrement ne b\u00e9n\u00e9ficient que d\u2019un revenus maximum brut de 1.386,32 euros. Comme vos revenus et vos frais fixes sont plus \u00e9lev\u00e9s, il est n\u00e9cessaire de b\u00e9n\u00e9ficier d\u2019une protection accrue.\n<ul>\n<li><strong>Exon\u00e9ration de prime<\/strong>\u00a0: en cas d\u2019incapacit\u00e9 de travail, l\u2019assureur prendra le relai de votre effort d\u2019\u00e9pargne pour votre pension sans que ne deviez payer de primes.<\/li>\n<li><strong>Revenu garanti<\/strong>\u00a0: vous recevez une rente en cas d\u2019incapacit\u00e9 de travail<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><strong>Pour ces garanties compl\u00e9mentaires vous payez une prime suppl\u00e9mentaire, d\u00e9ductible<\/strong>.\u00a0Cependant, vous ne constituez pas de capital pension suppl\u00e9mentaire avec cette partie de la prime. Ces garanties compl\u00e9mentaires sont comparables au fonctionnement d&rsquo;une assurance auto ou incendie : si le risque ne se pr\u00e9sente pas, rien ne sera pay\u00e9 et vous aurez perdu les primes vers\u00e9es. Ceci n&rsquo;est pas compl\u00e8tement illogique, car vous payez une prime relativement faible compar\u00e9e \u00e0 l&rsquo;\u00e9ventuel paiement d&rsquo;un gros capital si le risque se r\u00e9alise.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Afin de maintenir votre train de vie, il est conseill\u00e9 de souscrire une assurance compl\u00e9mentaire afin de vous pr\u00e9munir contre la perte de revenus qu\u2019engendrerait votre d\u00e9c\u00e8s, une maladie ou une invalidit\u00e9. MySavings vous conseille de combiner ce type de couverture avec une assurance vie. Vous obtenez alors un tarif plus int\u00e9ressant en raison de [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":667,"menu_order":4,"template":"","class_list":["post-901","product","type-product","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Garanties compl\u00e9mentaires \u00e0 votre PLCI l MySavings<\/title>\n<meta name=\"description\" content=\"Afin de conserver votre niveau de vie tout en \u00e9vitant des pertes de revenus, souscrivez \u00e0 une assurance compl\u00e9mentaire via MySavings.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mysavings.be\/fr\/onze-producten\/pension\/pension-libre-complementaire\/Information\/garanties-complementaires-2\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta 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