{"id":4997,"date":"2024-02-22T05:39:47","date_gmt":"2024-02-22T04:39:47","guid":{"rendered":"https:\/\/rouzade.com\/?p=4997"},"modified":"2024-05-06T11:14:11","modified_gmt":"2024-05-06T09:14:11","slug":"finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa","status":"publish","type":"post","link":"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/","title":{"rendered":"Financial protection in case of temporary and permanent disability and loss of a breadwinner"},"content":{"rendered":"<p>Avizen Pro is designed for self-employed workers who wish to protect themselves from the financial consequences of death, disability and\/or incapacity resulting in work stoppage, by paying capital, benefit or daily sick leave benefits depending on the realized risk.<\/p>\n<p>You can sign up for death cover between the ages of 18 and 70. Insurance in case of temporary disability or disability can be signed up between the ages of 18 and 65, subject to professional activity.<\/p>\n<p>The Avizen Pro product is an annual membership that can be renewed by tacit agreement. Membership is not required. This product offers solutions that qualify for the Madelin Tax Credit.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Content<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%a7%d1%82%d0%be_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%be\" >What is insured?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%94%d0%be%d0%bf%d0%be%d0%bb%d0%bd%d0%b8%d1%82%d0%b5%d0%bb%d1%8c%d0%bd%d1%8b%d0%b5_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b8\" >Additional guarantees<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%a3%d1%81%d0%bb%d1%83%d0%b3%d0%b8_%d0%bf%d0%be%d0%bc%d0%be%d1%89%d0%b8\" >Help services:<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%a7%d1%82%d0%be_%d0%bd%d0%b5_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%be\" >What is not insured?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%a1%d1%83%d1%89%d0%b5%d1%81%d1%82%d0%b2%d1%83%d1%8e%d1%82_%d0%bb%d0%b8_%d0%ba%d0%b0%d0%ba%d0%b8%d0%b5-%d0%bb%d0%b8%d0%b1%d0%be_%d0%b8%d1%81%d0%ba%d0%bb%d1%8e%d1%87%d0%b5%d0%bd%d0%b8%d1%8f_%d0%b8%d0%b7_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%be%d0%b3%d0%be_%d0%bf%d0%be%d0%ba%d1%80%d1%8b%d1%82%d0%b8%d1%8f\" >Are there any exclusions from insurance coverage?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%94%d0%bb%d1%8f_%d0%b2%d1%81%d0%b5%d1%85_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b9_%d0%b7%d0%b0_%d0%b8%d1%81%d0%ba%d0%bb%d1%8e%d1%87%d0%b5%d0%bd%d0%b8%d0%b5%d0%bc_%d0%bf%d0%be%d0%bc%d0%be%d1%89%d0%b8\" >For all guarantees (except assistance):<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%a1%d0%bc%d0%b5%d1%80%d1%82%d1%8cipt_%d0%bb%d1%8e%d0%b1%d1%8b%d0%b5_%d0%bf%d1%80%d0%b8%d1%87%d0%b8%d0%bd%d1%8b_%d0%b2%d0%ba%d0%bb%d1%8e%d1%87%d0%b0%d1%8f_%d0%bd%d0%b5%d1%81%d1%87%d0%b0%d1%81%d1%82%d0%bd%d1%8b%d0%b9_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b9\" >Death\/IPT any cause including accident<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%92_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b5_%d1%81%d0%bc%d0%b5%d1%80%d1%82%d0%b8ipt_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b8_%d0%b2_%d1%80%d0%b5%d0%b7%d1%83%d0%bb%d1%8c%d1%82%d0%b0%d1%82%d0%b5_%d0%bd%d0%b5%d1%81%d1%87%d0%b0%d1%81%d1%82%d0%bd%d0%be%d0%b3%d0%be_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d1%8f_%d0%bd%d0%b5%d0%b4%d0%b5%d0%b5%d1%81%d0%bf%d0%be%d1%81%d0%be%d0%b1%d0%bd%d0%be%d1%81%d1%82%d0%b8_%d0%b8_%d0%b8%d0%bd%d0%b2%d0%b0%d0%bb%d0%b8%d0%b4%d0%bd%d0%be%d1%81%d1%82%d0%b8\" >In case of death\/IPT guarantees due to accident, incapacity and disability<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9e%d1%81%d0%bd%d0%be%d0%b2%d0%bd%d1%8b%d0%b5_%d0%be%d0%b3%d1%80%d0%b0%d0%bd%d0%b8%d1%87%d0%b5%d0%bd%d0%b8%d1%8f\" >Basic restrictions<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9e_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d1%8f%d1%85_%d0%bd%d0%b5%d0%b4%d0%b5%d0%b5%d1%81%d0%bf%d0%be%d1%81%d0%be%d0%b1%d0%bd%d0%be%d1%81%d1%82%d0%b8_%d0%b8_%d0%b8%d0%bd%d0%b2%d0%b0%d0%bb%d0%b8%d0%b4%d0%bd%d0%be%d1%81%d1%82%d0%b8\" >On guarantees of incapacity and disability<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%93%d0%b4%d0%b5_%d1%8f_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd\" >Where am I insured?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9e%d0%b1%d1%8f%d0%b7%d0%b0%d0%bd%d0%bd%d0%be%d1%81%d1%82%d0%b8_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%bd%d0%be%d0%b3%d0%be\" >Responsibilities of the insured<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9f%d1%80%d0%b8_%d0%bf%d0%be%d0%b4%d0%bf%d0%b8%d1%81%d0%b0%d0%bd%d0%b8%d0%b8_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82%d0%b0\" >When signing a contract<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%92_%d1%82%d0%b5%d1%87%d0%b5%d0%bd%d0%b8%d0%b5_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82%d0%b0\" >During the contract<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%92_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b5_%d0%bd%d0%b0%d1%81%d1%82%d1%83%d0%bf%d0%bb%d0%b5%d0%bd%d0%b8%d1%8f_%d1%80%d0%b8%d1%81%d0%ba%d0%be%d0%b2\" >In case of risks<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9a%d0%be%d0%b3%d0%b4%d0%b0_%d0%b8_%d0%ba%d0%b0%d0%ba_%d0%bf%d1%80%d0%be%d0%b8%d0%b7%d0%b2%d0%be%d0%b4%d0%b8%d1%82%d1%8c_%d0%bf%d0%bb%d0%b0%d1%82%d0%b5%d0%b6%d0%b8\" >When and how to make payments?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9a%d0%be%d0%b3%d0%b4%d0%b0_%d0%bd%d0%b0%d1%87%d0%b8%d0%bd%d0%b0%d0%b5%d1%82%d1%81%d1%8f_%d0%b8_%d0%ba%d0%be%d0%b3%d0%b4%d0%b0_%d0%b7%d0%b0%d0%ba%d0%b0%d0%bd%d1%87%d0%b8%d0%b2%d0%b0%d0%b5%d1%82%d1%81%d1%8f_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%ba%d0%b0\" >When does insurance start and end?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/#%d0%9a%d0%b0%d0%ba_%d1%80%d0%b0%d1%81%d1%82%d0%be%d1%80%d0%b3%d0%bd%d1%83%d1%82%d1%8c_%d1%81%d0%b2%d0%be%d0%b9_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82\" >How to terminate your contract?<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a7%d1%82%d0%be_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%be\"><\/span>What is insured?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>When signing an insurance policy, you are provided with the following guarantees:<\/p>\n<p>In the event of death or total permanent disability (IPT), at least one of the following three guarantees is provided:<\/p>\n<ul>\n<li>Payment of capital to designated beneficiaries in the event of death or in the case of IPT to the insured (any cause including accident).<\/li>\n<li>Payment of an annuity to designated beneficiaries in the event of death or in the case of IPT to the insured (for any reason).<\/li>\n<li>Payment of educational allowance to designated child beneficiaries or in the case of IPT to the insured (for any reason).<\/li>\n<\/ul>\n<p>In case of death or IPT, membership is terminated.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%94%d0%be%d0%bf%d0%be%d0%bb%d0%bd%d0%b8%d1%82%d0%b5%d0%bb%d1%8c%d0%bd%d1%8b%d0%b5_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b8\"><\/span><span style=\"font-family: Verdana, BlinkMacSystemFont, -apple-system, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;\">Additional guarantees<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-family: Verdana, BlinkMacSystemFont, -apple-system, 'Segoe UI', Roboto, Oxygen, Ubuntu, Cantarell, 'Open Sans', 'Helvetica Neue', sans-serif;\">These guarantees may be obtained in addition to one or more of the death and IPT guarantees.<\/span><\/p>\n<p>In the event of disability resulting in termination of work, the insurance product provides for:<\/p>\n<ul>\n<li>Payment of sick leave (for any reason, including accident).<\/li>\n<li>Payment of compensation for professional expenses (for any reason).<\/li>\n<li>Exemption from contributions.<\/li>\n<\/ul>\n<p>Benefits begin after the deductible period specified in your insurance policy and end on the earliest of the following dates:<\/p>\n<ul>\n<li>on the day of full resumption of professional activities,<\/li>\n<li>on the day of confirmation of permanent disability, at the end of the stipulated compensation period.<\/li>\n<li>at the end of the insurance year during which the insured turns 67 years old.<\/li>\n<li>on the day of liquidation of rights under the compulsory retirement scheme to which the insured person belongs.<\/li>\n<\/ul>\n<p>In case of disability, the following is provided:<\/p>\n<ul>\n<li>Payment of capital (for any reason, including accident).<\/li>\n<li>Payment of annuity (for any reason, including accident).<\/li>\n<li>Exemption from contributions.<\/li>\n<\/ul>\n<p>Benefits begin when you reach the level of disability specified in your policy and end on the earlier of the following two dates:<\/p>\n<ul>\n<li>upon liquidation of rights under a mandatory pension plan to which the insured person is enrolled by profession,<\/li>\n<li>or at the end of the insurance year in which he turns 67 years old.<\/li>\n<\/ul>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-3106\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/2.jpg\" alt=\"\u0432\u043e\u0437\u0432\u0440\u0430\u0442 \u0434\u0435\u043d\u0435\u0433\" width=\"940\" height=\"788\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/2.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/2-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/2-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/2-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/10\/2-501x420.jpg 501w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%a3%d1%81%d0%bb%d1%83%d0%b3%d0%b8_%d0%bf%d0%be%d0%bc%d0%be%d1%89%d0%b8\"><\/span>Help services:<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Assistant services are included in the contract. These services include legal information, assistance in returning to professional life, and child care.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a7%d1%82%d0%be_%d0%bd%d0%b5_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%be\"><\/span>What is not insured?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Operating losses.<\/li>\n<li>Care costs.<\/li>\n<li>Professional legal protection.<\/li>\n<li>Professional civil liability.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%d0%a1%d1%83%d1%89%d0%b5%d1%81%d1%82%d0%b2%d1%83%d1%8e%d1%82_%d0%bb%d0%b8_%d0%ba%d0%b0%d0%ba%d0%b8%d0%b5-%d0%bb%d0%b8%d0%b1%d0%be_%d0%b8%d1%81%d0%ba%d0%bb%d1%8e%d1%87%d0%b5%d0%bd%d0%b8%d1%8f_%d0%b8%d0%b7_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%be%d0%b3%d0%be_%d0%bf%d0%be%d0%ba%d1%80%d1%8b%d1%82%d0%b8%d1%8f\"><\/span>Are there any exclusions from insurance coverage?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The main exceptions are as follows:<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%94%d0%bb%d1%8f_%d0%b2%d1%81%d0%b5%d1%85_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b9_%d0%b7%d0%b0_%d0%b8%d1%81%d0%ba%d0%bb%d1%8e%d1%87%d0%b5%d0%bd%d0%b8%d0%b5%d0%bc_%d0%bf%d0%be%d0%bc%d0%be%d1%89%d0%b8\"><\/span>For all guarantees (except assistance):<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>War.<\/li>\n<li>Activities, sports and leisure involving risk, competitive sports and<br \/>\nprofessional sports.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%d0%a1%d0%bc%d0%b5%d1%80%d1%82%d1%8cipt_%d0%bb%d1%8e%d0%b1%d1%8b%d0%b5_%d0%bf%d1%80%d0%b8%d1%87%d0%b8%d0%bd%d1%8b_%d0%b2%d0%ba%d0%bb%d1%8e%d1%87%d0%b0%d1%8f_%d0%bd%d0%b5%d1%81%d1%87%d0%b0%d1%81%d1%82%d0%bd%d1%8b%d0%b9_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b9\"><\/span>Death\/IPT any cause including accident<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Beneficiaries who voluntarily or intentionally caused harm to the insured.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%d0%92_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b5_%d1%81%d0%bc%d0%b5%d1%80%d1%82%d0%b8ipt_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d0%b8_%d0%b2_%d1%80%d0%b5%d0%b7%d1%83%d0%bb%d1%8c%d1%82%d0%b0%d1%82%d0%b5_%d0%bd%d0%b5%d1%81%d1%87%d0%b0%d1%81%d1%82%d0%bd%d0%be%d0%b3%d0%be_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d1%8f_%d0%bd%d0%b5%d0%b4%d0%b5%d0%b5%d1%81%d0%bf%d0%be%d1%81%d0%be%d0%b1%d0%bd%d0%be%d1%81%d1%82%d0%b8_%d0%b8_%d0%b8%d0%bd%d0%b2%d0%b0%d0%bb%d0%b8%d0%b4%d0%bd%d0%be%d1%81%d1%82%d0%b8\"><\/span>In case of death\/IPT guarantees due to accident, incapacity and disability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Consequences of an accident (with all guarantees), illness or congenital defect (incapacity and disability) before signing the contract.<\/li>\n<li>Consequences of using drugs, alcohol and non-prescription medical products.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%d0%9e%d1%81%d0%bd%d0%be%d0%b2%d0%bd%d1%8b%d0%b5_%d0%be%d0%b3%d1%80%d0%b0%d0%bd%d0%b8%d1%87%d0%b5%d0%bd%d0%b8%d1%8f\"><\/span>Basic restrictions<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>For all all-cause death\/IPT guarantees: Suicide and attempted suicide are excluded during the first year of coverage.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%9e_%d0%b3%d0%b0%d1%80%d0%b0%d0%bd%d1%82%d0%b8%d1%8f%d1%85_%d0%bd%d0%b5%d0%b4%d0%b5%d0%b5%d1%81%d0%bf%d0%be%d1%81%d0%be%d0%b1%d0%bd%d0%be%d1%81%d1%82%d0%b8_%d0%b8_%d0%b8%d0%bd%d0%b2%d0%b0%d0%bb%d0%b8%d0%b4%d0%bd%d0%be%d1%81%d1%82%d0%b8\"><\/span>On guarantees of incapacity and disability<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>In case of illness, a waiting period of 90 days from the effective date of the insurance policy applies. This period is extended to 365 days in the case of depressive conditions, psychological or neurotic conditions or mental illness.<\/p>\n<ul>\n<li>Application of a maximum compensation period of 365 days for certain conditions, in particular psychiatric and vertebrogenic diseases.<\/li>\n<li>Application of a minimum 30-day deductible for certain sports and risky activities, especially football and rugby.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%d0%93%d0%b4%d0%b5_%d1%8f_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd\"><\/span>Where am I insured?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Warranties apply worldwide. Assistance services are only provided in mainland France, overseas departments and regions.<\/p>\n<p>Any professional or personal travel to sensitive countries must be reported to your insurer.<\/p>\n<p>If the temporary total disability as a result of an accident occurred outside France, the starting point of the guarantee is the date of the first medical diagnosis in France.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-3054\" src=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/09\/bez-nazvanija-kopija.jpg\" alt=\"\u0431\u0438\u0437\u043d\u0435\u0441 \u0432\u043e \u0444\u0440\u0430\u043d\u0446\u0438\u0438\" width=\"626\" height=\"524\" srcset=\"https:\/\/rouzade.com\/wp-content\/uploads\/2022\/09\/bez-nazvanija-kopija.jpg 940w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/09\/bez-nazvanija-kopija-300x251.jpg 300w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/09\/bez-nazvanija-kopija-768x644.jpg 768w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/09\/bez-nazvanija-kopija-696x583.jpg 696w, https:\/\/rouzade.com\/wp-content\/uploads\/2022\/09\/bez-nazvanija-kopija-501x420.jpg 501w\" sizes=\"auto, (max-width: 626px) 100vw, 626px\" \/><\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9e%d0%b1%d1%8f%d0%b7%d0%b0%d0%bd%d0%bd%d0%be%d1%81%d1%82%d0%b8_%d0%b7%d0%b0%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%b0%d0%bd%d0%bd%d0%be%d0%b3%d0%be\"><\/span>Responsibilities of the insured<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Failure to comply with obligations may, in particular, lead to the invalidation of the contract, refusal or suspension of the guarantee.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%d0%9f%d1%80%d0%b8_%d0%bf%d0%be%d0%b4%d0%bf%d0%b8%d1%81%d0%b0%d0%bd%d0%b8%d0%b8_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82%d0%b0\"><\/span>When signing a contract<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Provide a copy of your identification document, as well as all supporting documents requested by the insurer.<\/li>\n<li>Answer the questions asked, providing complete and accurate information about your personal data.<\/li>\n<li>Comply with the necessary medical formalities and accurately answer questions asked by the insurer, especially in the subscription application and health questionnaire, as well as other documents that you may be required to complete.<\/li>\n<li>Designate one or more beneficiaries.<\/li>\n<li>Make the deposit indicated on your membership certificate.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%d0%92_%d1%82%d0%b5%d1%87%d0%b5%d0%bd%d0%b8%d0%b5_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82%d0%b0\"><\/span>During the contract<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Pay dues.<\/li>\n<li>Communicate any changes regarding the information necessary for the proper management of the contract (contact details, RIB).<\/li>\n<li>Inform the insurer about changes occurring in his situation, especially in his professional situation.<\/li>\n<\/ul>\n<h3><span class=\"ez-toc-section\" id=\"%d0%92_%d1%81%d0%bb%d1%83%d1%87%d0%b0%d0%b5_%d0%bd%d0%b0%d1%81%d1%82%d1%83%d0%bf%d0%bb%d0%b5%d0%bd%d0%b8%d1%8f_%d1%80%d0%b8%d1%81%d0%ba%d0%be%d0%b2\"><\/span>In case of risks<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<ul>\n<li>Provide any document requested by the insurer, allowing you to draw up a package of documents.<\/li>\n<li>Contact Customer Service (the insured or their loved ones) before performing any service to obtain approval and your case number.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%be%d0%b3%d0%b4%d0%b0_%d0%b8_%d0%ba%d0%b0%d0%ba_%d0%bf%d1%80%d0%be%d0%b8%d0%b7%d0%b2%d0%be%d0%b4%d0%b8%d1%82%d1%8c_%d0%bf%d0%bb%d0%b0%d1%82%d0%b5%d0%b6%d0%b8\"><\/span>When and how to make payments?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You can pay your fee by bank transfer or check.<\/p>\n<p>Dues are payable within 10 days after the due dates specified in accordance with the frequency specified in the membership certificate (monthly, quarterly, semi-annually or annually).<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%be%d0%b3%d0%b4%d0%b0_%d0%bd%d0%b0%d1%87%d0%b8%d0%bd%d0%b0%d0%b5%d1%82%d1%81%d1%8f_%d0%b8_%d0%ba%d0%be%d0%b3%d0%b4%d0%b0_%d0%b7%d0%b0%d0%ba%d0%b0%d0%bd%d1%87%d0%b8%d0%b2%d0%b0%d0%b5%d1%82%d1%81%d1%8f_%d1%81%d1%82%d1%80%d0%b0%d1%85%d0%be%d0%b2%d0%ba%d0%b0\"><\/span>When does insurance start and end?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Coverage begins on the effective date specified in the insurance policy and after the expiration of the waiting period, if applicable, subject to actual payment of the first premium and assumption of risk by the insurer.<\/li>\n<li>Insurance ends on the anniversary of termination and no later than the end of the insurance year during which the insured reaches insurance age for each coverage.<\/li>\n<li>Death benefits end no later than age 85.<\/li>\n<li>The guarantee in case of disability ends on the earlier of the following two dates: upon the liquidation of rights upon retirement, depending on his profession, or at the end of the insurance year during which he turns 67 years of age.<\/li>\n<li>Membership is terminated in case of non-payment of dues.<\/li>\n<\/ul>\n<p>Coverage for work stoppage disability will end on the earliest of the following dates:<\/p>\n<ul>\n<li>on the day of full resumption of professional activities,<\/li>\n<li>on the day of permanent disability confirmation,<\/li>\n<li>at the end of the planned compensation period,<\/li>\n<li>at the end of the insurance year during which the insured turns 67 years old,<\/li>\n<li>on the day of liquidation of rights under the pension plan to which the insured person belongs.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"%d0%9a%d0%b0%d0%ba_%d1%80%d0%b0%d1%81%d1%82%d0%be%d1%80%d0%b3%d0%bd%d1%83%d1%82%d1%8c_%d1%81%d0%b2%d0%be%d0%b9_%d0%ba%d0%be%d0%bd%d1%82%d1%80%d0%b0%d0%ba%d1%82\"><\/span>How to terminate your contract?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>You may terminate your membership in any manner provided in Article L113-14 of the Insurance Code, and in particular by plain mail or any reliable medium giving notice two months prior to the expiration of the anniversary of your membership.<br \/>\nUpon receipt of notice, written confirmation will be sent to you indicating the effective date of termination.<\/p>","protected":false},"excerpt":{"rendered":"<p>Avizen Pro is an insurance product specifically designed for self-employed workers, providing reliable financial protection against the consequences of death, disability and\/or temporary disability. <\/p>","protected":false},"author":1,"featured_media":5223,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","footnotes":""},"categories":[6],"tags":[366],"class_list":{"0":"post-4997","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-blog","8":"tag-finance"},"acf":[],"yoast_head":"<title>\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0437\u0430\u0449\u0438\u0442\u0430 - \u043e\u043f\u0435\u043a\u0430 \u0432 \u043d\u0435\u043f\u0440\u0435\u0434\u0432\u0438\u0434\u0435\u043d\u043d\u044b\u0445 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u044f\u0445<\/title>\n<meta name=\"description\" content=\"\u0421\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439 \u043f\u0440\u043e\u0434\u0443\u043a\u0442 \u0434\u043b\u044f \u0441\u0430\u043c\u043e\u0437\u0430\u043d\u044f\u0442\u044b\u0445 , \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0432\u0430\u044e\u0449\u0438\u0439 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0443\u044e \u0437\u0430\u0449\u0438\u0442\u0443 \u043e\u0442 \u0441\u043c\u0435\u0440\u0442\u0438, \u0438\u043d\u0432\u0430\u043b\u0438\u0434\u043d\u043e\u0441\u0442\u0438 \u0438 \u043d\u0435\u0442\u0440\u0443\u0434\u043e\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u0438. \u0423\u0437\u043d\u0430\u0439\u0442\u0435 \u043f\u043e\u0434\u0440\u043e\u0431\u043d\u043e\u0441\u0442\u0438 \u043e \u0433\u0430\u0440\u0430\u043d\u0442\u0438\u044f\u0445 \u0438 \u0443\u0441\u043b\u0443\u0433\u0430\u0445 \u043f\u043e\u043c\u043e\u0449\u0438.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rouzade.com\/en\/finansovaya-zaschita-na-sluchay-vremennoy-i-postoyannoy-netrudosposobnosti-i-poteri-kormiltsa\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"\u0424\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0430\u044f \u0437\u0430\u0449\u0438\u0442\u0430 - \u043e\u043f\u0435\u043a\u0430 \u0432 \u043d\u0435\u043f\u0440\u0435\u0434\u0432\u0438\u0434\u0435\u043d\u043d\u044b\u0445 \u0441\u0438\u0442\u0443\u0430\u0446\u0438\u044f\u0445\" \/>\n<meta property=\"og:description\" content=\"\u0421\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439 \u043f\u0440\u043e\u0434\u0443\u043a\u0442 \u0434\u043b\u044f \u0441\u0430\u043c\u043e\u0437\u0430\u043d\u044f\u0442\u044b\u0445 , \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0432\u0430\u044e\u0449\u0438\u0439 \u0444\u0438\u043d\u0430\u043d\u0441\u043e\u0432\u0443\u044e \u0437\u0430\u0449\u0438\u0442\u0443 \u043e\u0442 \u0441\u043c\u0435\u0440\u0442\u0438, \u0438\u043d\u0432\u0430\u043b\u0438\u0434\u043d\u043e\u0441\u0442\u0438 \u0438 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