Questions and Answers
What percentage of the death capital is paid in the event of a serious illness?
Which of the following is NOT considered an accident for the doubling of death capital?
What is the maximum payout limit for serious illnesses related to death benefits?
How long is the waiting period for claims related to serious illnesses?
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Which of the following illnesses is classified as a serious illness under the death benefits?
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Quel est le plafond maximum pour le capital décès dans l'offre Moduvéo Pro²?
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Quels statuts sont considérés comme éligibles à l'offre Moduvéo Pro²?
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Quel type de rente est proposé en cas de décès dans les garanties décès de Moduvéo Pro²?
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Quel est le statut du conjoint collaborateur selon l'offre Moduvéo Pro²?
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Quelles garanties sont incluses dans les garanties décès?
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Study Notes
Death Benefits
- Capital Death Benefit must be underwritten in capital form and is applicable for immediate expenses related to death.
- The policy must account for the cumulative total of all death benefits taken out by the insured, such as Mutex and Mutalis.
Serious Illness Coverage
- Coverage includes eight serious illnesses: Cancer, Heart Attack, Coronary Artery Disease, Stroke, Terminal Kidney Failure, Organ Transplant, Severe Multiple Sclerosis, and Advanced Parkinson's Disease.
- Benefit amount is 30% of the death capital, up to a maximum of €15,000.
- There is a 3-month waiting period before claims can be made.
Accident Double Benefit
- This option doubles the death capital in case of accidental death or total permanent incapacity (PTIA) resulting from an accident.
- An accident involves unintentional bodily injury from a sudden and unpredictable external cause.
- Excludes strokes and heart attacks from the accident definition.
Income Maintenance: Daily Allowances
- Payments are made for temporary incapacity due to illness or accident when the incapacity exceeds the chosen waiting period.
- Minimum daily allowance is €10; maximum is €320.
- Various waiting periods range from 7 to 180 days depending on the duration of incapacity and cause.
Income Maintenance: Daily Allowances Option
- An option exists to reduce the waiting period to the first day of incapacity.
- Applicable for waiting periods of 15 days and 30 days only.
Income Maintenance: Liberal Professions
- A recap of indemnities for liberal professions indicates minimum and maximum daily benefits depending on declared income.
- Maximum daily allowance for income above 3 PASS is €190.55; minimum for income at 40% of PASS is €25.41.
Income Maintenance: Additional Indemnities for Professionals
- Additional indemnity options also exist for professional incapacity, ensuring continuity of income.
- Minimum daily allowance €10, maximum €320.
Permanent Incapacity Benefits
- Renta is payable for total or partial permanent incapacity impacting professional activity.
- Total incapacity defined as a disability rate of 66% or higher; partial incapacity between 33% and 66%.
- Waiting periods are 3 months for illness and 12 months for psychological disorders.
Medical Risk Analysis: Health Declarations
- Simplified Health Declaration consists of four questions; if any long-term illness is indicated, a comprehensive medical questionnaire is required.
Medical Risk Analysis: Confidentiality
- Medical confidentiality is mandatory; all communications must be in sealed envelopes.
- The possibility to delay medical formalities up to 12 months may exist, considering possible age changes.
Medical Risk Analysis: ARM Partnership
- A network of 900 independent healthcare professionals is available to facilitate insurance medical evaluations.
- The ARM platform allows for organized communication between clients and medical professionals.
Administrative Formalities
- The administrative processes involved with claims and underwriting are streamlined to facilitate ease of access and understanding for the insured.### Administrative Formalities for Micro-entrepreneurs
- Streamlined conditions specifically designed for micro-entrepreneurs.
- Simplification of administrative processes enhances accessibility.
Death Guarantee Increase
- Increase in death guarantee, including a doubling option without medical selection.
- Applicable for events occurring within six months after the event.
Marriage and Partnership Benefits
- Options available to increase death guarantees by a maximum of 20%.
- Total cap for increased benefits set at €150,000.
- Events such as marriage, birth, and adoption present prime opportunities to discuss protection measures.
Management Rules
- Contract commencement date is based on the date of signature, contingent on medical advisor's approval.
- Flexibility to defer the contract start date and guarantees by up to four months, or twelve months for switching from competing services.
- Age limits and exclusions may apply to specific policies and benefits.
Assistance Services Overview
- Madelin contributions are tax-deductible, catering to independent entities.
- Offers comprehensive coverage for various independent organizations.
Eligibility Criteria
- Eligible statuses include merchants, artisans, professionals, and majority managers.
- Ineligible statuses consist of minority or equal managers, retired self-employed individuals, non-cadre salaried employees, and certain professions not sanctioned by MSA.
Collaborating Spouse
- The collaborating spouse can pay contributions related to disability, death, and retirement, earning entitlements specific to them.
- This status is limited to five years throughout one’s professional career.
- The collaborating spouse is regularly active in the business without receiving compensation.
Moduvéo Pro² Benefits
- Coverage includes death benefits, RMA assistance, and income maintenance guarantees.
Death Guarantees
- Covers death capital, permanent total disability (PTIA), severe illness, and education allowances for children.
- Death capital has a minimum of €15,000 and maximum limit of €1,000,000, with provisions for advance payments.
Spouse's Rente Options
- Temporary and lifelong pension options are available for the spouse, with specified minimum and maximum limits.
- Educational pension for children designed to aid their financial needs depending on age milestones.
RMA Assistance
- Included assistance available in cases of temporary or permanent incapacity, severe illnesses, or death of the insured.
- Provides specific support to the business owner or spouse, including administrative guidance for beneficiaries.
Risk Assessment
- Medical risk evaluation performed preceding policy acceptance, involving examining medical records confidentially.
- Categories include unconditional acceptance, conditional acceptance with reservations, and outright refusals.
Common Exclusions
- Activities such as aerial sports, intentional misconduct, and military conflict fall under common exclusions.
- Specific exclusions may vary by guarantee type.
Tariff Reductions
- Discounts available for joint applications or simultaneous enrollments.
- A new offering allows transitions from older policy versions to current ones, ensuring eligibility criteria are met.
Strengths of Moduvéo Pro²
- The program provides robust support across various facets of financial and health-related assurance for independent workers and their families.
- The comprehensive guarantees cater to future uncertainties involving health, earning capacity, and familial financial security.
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Description
This quiz explores concepts related to insurance expenses, particularly focusing on capital and death benefits. It covers the intricacies of policies related to immediate costs associated with death and the required subscriptions for benefits. Test your understanding of these crucial financial topics.
