{"id":14468,"date":"2015-12-22T12:30:46","date_gmt":"2015-12-22T11:30:46","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=14468"},"modified":"2025-08-01T10:16:37","modified_gmt":"2025-08-01T08:16:37","slug":"auto-entrepreneurs-et-prevoyance","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/auto-entrepreneurs-et-prevoyance\/","title":{"rendered":"Auto-entrepreneurs, pensez \u00e0 la pr\u00e9voyance !"},"content":{"rendered":"<p style=\"text-align: justify;\">Les auto-entrepreneurs et la pr\u00e9voyance. Lorsqu&rsquo;il exerce une activit\u00e9 sous le statut d\u2019auto-entrepreneur, celui-ci b\u00e9n\u00e9ficie de la m\u00eame couverture que les autres travailleurs ind\u00e9pendants qui d\u00e9pendent du RSI (r\u00e9gime social des ind\u00e9pendants).<\/p>\n<p style=\"text-align: justify;\">Cependant, ce r\u00e9gime de base obligatoire comporte certaines lacunes, notamment en cas de probl\u00e8mes de sant\u00e9. Aussi est-il vivement conseill\u00e9 de souscrire une pr\u00e9voyance individuelle en compl\u00e9ment.<\/p>\n<p class=\"p1\"><span class=\"s1\">Valoxy, cabinet d\u2019expertise comptable dans les Hauts de France, revient dans cet article sur les couvertures indispensables \u00e0 la s\u00e9r\u00e9nit\u00e9 du chef d\u2019entreprise.<\/span><\/p>\n<h2 style=\"text-align: justify;\"><span style=\"color: #008000;\"><strong>Un r\u00e9gime obligatoire insuffisant<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\">En tant qu\u2019auto-entrepreneur, <strong>vous payez vos cotisations sociales au <a href=\"https:\/\/valoxy.org\/blog\/cest-quoi-regime-social-independants\/\" target=\"_blank\" rel=\"noopener noreferrer\">RSI<\/a>. Ces derni\u00e8res comprennent\u00a0:<\/strong><\/p>\n<ul style=\"text-align: justify;\">\n<li>Assurance maladie-maternit\u00e9\u00a0;<\/li>\n<li>Indemnit\u00e9s journali\u00e8res\u00a0;<\/li>\n<li>Retraite de base et compl\u00e9mentaire.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3 style=\"text-align: justify;\"><strong><u>L\u2019assurance maladie-maternit\u00e9<\/u><\/strong><\/h3>\n<p style=\"text-align: justify;\">Au titre de l\u2019assurance maladie, <strong>les prestations (en nature) sont les m\u00eames que celles dont b\u00e9n\u00e9ficient les salari\u00e9s<\/strong>. Seront donc pris en charge vos m\u00e9dicaments, vos soins, les \u00e9ventuelles hospitalisations\u2026<\/p>\n<p style=\"text-align: justify;\"><strong><a href=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/09\/femme5.jpg\"><img decoding=\"async\" class=\" wp-image-6421 alignright\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/09\/femme5-300x300.jpg\" alt=\"femme5\" width=\"76\" height=\"76\" \/><\/a>Les prestations en cas de maternit\u00e9 (ou paternit\u00e9) seront \u00e9galement identiques<\/strong> \u00e0 celles dont jouissent les salari\u00e9s.<\/p>\n<h3 style=\"text-align: justify;\"><strong><u>Les indemnit\u00e9s journali\u00e8res en cas de maladie<\/u><\/strong><\/h3>\n<p style=\"text-align: justify;\">Les indemnit\u00e9s journali\u00e8res en cas d\u2019incapacit\u00e9 de travail due \u00e0 la maladie<strong>\u00a0sont \u00e9gales \u00e0 1\/730<sup>e<\/sup> de votre revenu d\u2019activit\u00e9 annuel moyen (bas\u00e9 sur les trois derni\u00e8res ann\u00e9es) dans la limite du PASS (plafond annuel de la S\u00e9curit\u00e9 sociale).<\/strong> Le PASS pour l\u2019ann\u00e9e 2021 s\u2019\u00e9l\u00e8ve \u00e0 41 136 euros.<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/09\/taux-de-marge.jpg\"><img decoding=\"async\" class=\" wp-image-6365 alignleft\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/09\/taux-de-marge-259x300.jpg\" alt=\"Taux de marge\" width=\"44\" height=\"51\" \/><\/a>Cependant, en tant qu\u2019<span class=\"s1\"><a href=\"https:\/\/valoxy.org\/blog\/lauto-entrepreneur\/\">auto-entrepreneur<\/a><\/span>, <strong>votre revenu annuel est \u00e9gal \u00e0 un pourcentage de votre chiffre d\u2019affaires (apr\u00e8s l\u2019abattement forfaitaire pour frais et charges) et donc les indemnit\u00e9s journali\u00e8res peuvent s\u2019av\u00e9rer assez faibles.<\/strong><\/p>\n<p style=\"text-align: justify;\">De plus, vous n\u2019y avez droit que lorsque <strong>vous justifiez d\u2019une affiliation au RSI depuis plus d\u2019un an. <\/strong><\/p>\n<div class=\"encadre-style\"><\/p>\n<p style=\"text-align: justify;\">Donc en cas de probl\u00e8mes de sant\u00e9 vous emp\u00eachant de travailler durant votre premi\u00e8re ann\u00e9e d\u2019activit\u00e9, vous ne b\u00e9n\u00e9ficierez pas de ces indemnit\u00e9s journali\u00e8res.<\/p>\n<p><\/div>\n<h3 style=\"text-align: justify;\"><strong><u>Les cotisations retraite<\/u><\/strong><\/h3>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/10\/dessin-tirelire-gimp-70.jpg\"><img decoding=\"async\" class=\" wp-image-11762 alignright\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/10\/dessin-tirelire-gimp-70-300x213.jpg\" alt=\"dessin tirelire gimp 70\" width=\"107\" height=\"76\" \/><\/a>Enfin, en mati\u00e8re de retraite, <strong>les cotisations sont calcul\u00e9es en fonction du chiffre d\u2019affaires r\u00e9alis\u00e9 par les auto-entrepreneurs.<\/strong> Il faut donc que ces derniers r\u00e9alisent <strong>un chiffre d\u2019affaires minimal pour valider des trimestres de retraite.<\/strong><\/p>\n<div class=\"encadre-style\"><\/p>\n<p style=\"text-align: justify;\">Si l\u2019auto-entrepreneur exerce une activit\u00e9 salari\u00e9e en plus de celle exerc\u00e9e sous le statut d\u2019auto-entrepreneur, il ne peut cependant valider que 4 trimestres maximum par an.<\/p>\n<p><\/div>\n<h2 style=\"text-align: justify;\"><span style=\"color: #008000;\"><strong>L\u2019importance d\u2019une assurance compl\u00e9mentaire<\/strong><\/span><\/h2>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/09\/arnaque-aux-createurs-dentreprise.png\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-6325 alignleft\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/09\/arnaque-aux-createurs-dentreprise-274x300.png\" alt=\"cr\u00e9ation d'entreprise\" width=\"57\" height=\"62\" \/><\/a>Les cotisations sociales au r\u00e9gime obligatoire acquitt\u00e9es par les auto-entrepreneurs ne leur donnent acc\u00e8s qu\u2019\u00e0 une <strong>couverture limit\u00e9e en cas de maladie et n\u2019incluent aucune pr\u00e9voyance en cas d\u2019accident, de perte de revenus ou encore en cas de d\u00e9c\u00e8s.<\/strong><\/p>\n<p style=\"text-align: justify;\">Au vu de tout cela, il para\u00eet crucial pour les auto-entrepreneurs de souscrire une compl\u00e9mentaire sant\u00e9 ainsi qu\u2019une pr\u00e9voyance (invalidit\u00e9, d\u00e9c\u00e8s) afin de se pr\u00e9munir face aux al\u00e9as de la vie.<\/p>\n<h3 style=\"text-align: justify;\"><strong><u>Une compl\u00e9mentaire sant\u00e9 <\/u><\/strong><\/h3>\n<p style=\"text-align: justify;\">Les auto-entrepreneurs b\u00e9n\u00e9ficient des m\u00eames prestations que les salari\u00e9s en cas de maladie. Mais lorsqu\u2019ils sont dans l\u2019incapacit\u00e9 de travailler pendant un certain temps, ils n\u2019auront pas acc\u00e8s aux m\u00eames indemnit\u00e9s.<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/04\/le-licenciement-pour-inaptitude-1.png\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-10733 alignright\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/04\/le-licenciement-pour-inaptitude-1-300x249.png\" alt=\"Le licenciement pour inaptitude\" width=\"79\" height=\"66\" srcset=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/04\/le-licenciement-pour-inaptitude-1-300x249.png 300w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/04\/le-licenciement-pour-inaptitude-1.png 640w\" sizes=\"(max-width: 79px) 100vw, 79px\" \/><\/a>En effet, <strong>les indemnit\u00e9s journali\u00e8res vers\u00e9es par le RSI \u00e9tant calcul\u00e9es sur le revenu de l\u2019auto-entrepreneur et ce dernier \u00e9tant par principe faible (\u00e0 cause des seuils \u00e0 ne pas d\u00e9passer) cela fait que les auto-entrepreneurs n\u2019ont qu\u2019une faible s\u00e9curit\u00e9<\/strong> en cas de perte de revenus due \u00e0 des probl\u00e8mes de sant\u00e9.<\/p>\n<div class=\"encadre-style\"><\/p>\n<p style=\"text-align: justify;\">De plus, les indemnit\u00e9s journali\u00e8res ne sont d\u00e9bloqu\u00e9es qu\u2019\u00e0 partir d\u2019un an d\u2019affiliation au RSI. Les auto-entrepreneurs n\u2019ont donc aucune garantie pendant leur premi\u00e8re ann\u00e9e d\u2019exercice.<\/p>\n<p><\/div>\n<h3 style=\"text-align: justify;\"><strong><u>Les auto-entrepreneurs et la pr\u00e9voyance <\/u><\/strong><\/h3>\n<p style=\"text-align: justify;\">Le r\u00e9gime des ind\u00e9pendants dont d\u00e9pendent les auto-entrepreneurs ne comprend\u00a0<strong>aucune pr\u00e9voyance obligatoire. Et donc, en cas d\u2019incapacit\u00e9, d\u2019accident, de d\u00e9c\u00e8s vous ne b\u00e9n\u00e9ficiez d&rsquo;aucune garantie.<\/strong><\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/10\/protection-sociale-famille-gimp-70-1.jpg\"><img loading=\"lazy\" decoding=\"async\" class=\" wp-image-11757 alignleft\" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/10\/protection-sociale-famille-gimp-70-1-300x195.jpg\" alt=\"protection sociale famille gimp 70\" width=\"70\" height=\"45\" srcset=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/10\/protection-sociale-famille-gimp-70-1-300x195.jpg 300w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2015\/10\/protection-sociale-famille-gimp-70-1.jpg 552w\" sizes=\"(max-width: 70px) 100vw, 70px\" \/><\/a>Souscrire \u00e0 un contrat de pr\u00e9voyance est donc fortement conseill\u00e9, <strong>tant pour vous que pour vos proches.<\/strong><\/p>\n<div class=\"encadre-style\"><strong>A noter<\/strong>\u00a0: Pour les auto-entrepreneurs qui exercent une activit\u00e9 salari\u00e9e en parall\u00e8le, vous b\u00e9n\u00e9ficiez d\u00e9j\u00e0 de la pr\u00e9voyance d\u2019entreprise.<\/div>\n<p class=\"p1\"><span class=\"s1\">Pour en savoir plus sur l&rsquo;auto-entrepreneur et la pr\u00e9voyance, retrouvez nos articles sur le blog de Valoxy :<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/artisans-commercants-cotisations-sociales-rsi\/\"><span class=\"s3\">Artisans et commer\u00e7ants: les cotisations sociales du RSI<\/span><\/a><\/span><\/li>\n<li class=\"li2\"><span class=\"s4\"><a href=\"https:\/\/valoxy.org\/blog\/acteurs-complementaire-sante\/\"><span class=\"s3\">Qui sont les acteurs de la compl\u00e9mentaire sant\u00e9 ?<\/span><\/a><\/span><\/li>\n<li class=\"li2\"><span class=\"s4\"><a href=\"https:\/\/valoxy.org\/blog\/contrat-prevoyance-changement-01072014-05202014avallau02\/\"><span class=\"s3\">Contrat de pr\u00e9voyance, de retraite suppl\u00e9mentaire et de mutuelle : ce que la loi change au 1er juillet 2014<\/span><\/a><\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Les auto-entrepreneurs et la pr\u00e9voyance. Lorsqu&rsquo;il exerce une activit\u00e9 sous le statut d\u2019auto-entrepreneur, celui-ci b\u00e9n\u00e9ficie de la m\u00eame couverture que les autres travailleurs ind\u00e9pendants qui d\u00e9pendent du RSI (r\u00e9gime social des ind\u00e9pendants). Cependant, ce r\u00e9gime de base obligatoire comporte certaines&#8230;<\/p>\n","protected":false},"author":1,"featured_media":5135,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5,4],"tags":[],"class_list":["post-14468","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-juridique","category-social-rh"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Auto-entrepreneurs et pr\u00e9voyance | Blog Valoxy - Expertise comptable<\/title>\n<meta name=\"description\" content=\"Les auto-entrepreneurs doivent penser \u00e0 un contrat de pr\u00e9voyance en compl\u00e9ment de leur protection sociale obligatoire, car celle-ci est insuffisante.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/valoxy.org\/blog\/auto-entrepreneurs-et-prevoyance\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Auto-entrepreneurs et pr\u00e9voyance | Blog Valoxy - 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