When you are a professional, whether a business owner or self-employed, it is essential to protect yourself against life's uncertainties.
While primarily the cornerstone of personal well-being, health also plays a crucial role in the sustainability of your professional activity.
It is with this in mind that the GSMC Mutual was designed. It offers you comprehensive protection tailored to entrepreneurs' needs, whatever the size of your company.
GSMC, the high‑performance, low‑cost mutual for everyone
What should you expect when joining GSMC Mutual? A closer look at its different plans and guarantees.
A responsive, accessible mutual
GSMC simplifies your administrative procedures and provides you with a responsive dedicated team to meet your needs.
Thanks to an optimized member area accessible from your smartphone, you can manage your coverage with ease.
From €15.50 per month, GSMC offers comprehensive protection to its members, ensuring your peace of mind in all situations.
Moreover, GSMC guarantees you:
- access to the direct billing
- no waiting period
- of reimbursements within 48 hours after Health Insurance
- discounts on a extended care network
- of reimbursements for complementary medicine
- numerous benefits on wellness apps
- the option to extend your coverage to your spouse and/or to your children dependent
A quality care network
GSMC's benefits don't stop there. This mutual insurance provides access to innovative services and products designed to meet entrepreneurs' constraints, such as TeleconsultationYou can consult a general practitioner or a specialist 24 hours a day, seven days a week thanks to MédecinDirect.
You also benefit from a Quality care network, Carte Blanche, which gives you access to over 250,000 contracted healthcare professionals:
- opticians,
- dentists,
- hearing aid specialists,
- speech therapists,
- orthoptists,
- physiotherapists,
- osteopaths,
- dietitians,
- podiatrists,
- sophrologists,
- etc.
GSMC's advantages include:
- the hospital care from the first level,
- a package for the medications prescribed or not reimbursed,
- of dental coverage comfortable,
- coverage of many practitioners in alternative medicine,
- the availability of support service to meet your needs.
Your complementary medicine treatments reimbursed
GSMC is committed to taking care of your health every day by offering you exclusive benefits through Wellness partnerships. A range of special offers to help you maintain a Good physical and mental health is therefore offered to you.
Thanks to the partnership between GSMC and Codeur.com, you notably benefit fromone year of free premium access to the Petit Bambou app +1 month free on your health plan for any subscription to one of the GSMC Génération health plans.
The Petit Bambou meditation app helps you find peace of mind and manage daily stress with:
- A catalog of over 1,000 sessions
- 60 programs in meditation, breathing, sophrology, hypnosis and many more…
- Access to a complete media library of sounds and soundscapes
You also enjoy substantial benefits on other apps such as:
- Morphée to regain a sleep calm,
- KWIT to quit smoking,
- MySportRoom to exercise sports at home by following workouts created by professionals,
- Oviva to adopt eating habits healthy,
- StopoRisks to train you in first aid
GSMC, the mutual that protects Self‑Employed Workers (TNS)
Faced with the risks and challenges encountered by Self-Employed Workers (TNS), GSMC positions itself as an effective mutual insurer with an offer specifically designed for TNS.
It provides a range of significant benefits to ensure the health and financial stability of independent workers.
Who are the TNS?
Self-Employed Workers (TNS) refer to a specific category of professionals who work as independents or hold management positions within their own company. They differ markedly from salaried employees in terms of status and social coverage.
TNS include, in particular:
- sole proprietors,
- self-employed entrepreneurs,
- managers of single-person limited liability companies (EURL),
- majority managers of limited liability companies (SARL)
- and partners of general partnerships (SNC).
One of the major advantages of TNS status is its cost to the company, since social contributions are generally lower compared with salaried employees.
However, this reduction in contributions comes with reduced social protection, which makes subscribing to a TNS mutual insurance such as GSMC.
Note: The GSMC mutual offer for TNS is eligible for a tax deduction Madelin Law. The contributions paid are therefore deductible from income tax or taxable profit.
What risks do TNS face?
Self-employed workers (TNS) are exposed to various risks that can have a significant impact on their professional activity and personal well-being.
A constant financial risk
One of the most serious financial risks concerns late payments or, in the worst case, client bankruptcy, which can lead to cash-flow difficulties. Economic dependence on a single client increases this risk, because ending the business relationship with that sole client can have devastating consequences.
In addition, in case of financial difficulties, a self-employed worker can put their personal assets at risk. This is especially true for independent workers operating in their own name (sole proprietorship) who have not opted for the status of Individual Entrepreneur with Limited Liability (EIRL). In that case, their personal assets, except for their primary residence, can be seized to cover business debts.
Stress associated with self-employment
Unlike employees who benefit from relative income stability, self-employed professionals are subject to income fluctuations, both upwards and downwards.
Furthermore, unlike employees, self-employed workers (TNS) are generally not entitled to unemployment insurance. They do not contribute to this insurance, which means they do not receive any protection in case they lose their activity. However, in cases of business restructuring or judicial liquidation and under certain conditions, they may be eligible for the self-employed workers' allowance.
This irregularity of income and the precariousness of TNS status can create strong psychological pressure, including stress and anxiety, because remuneration depends directly on the business's activity and turnover.
Independent workers sometimes impose an intense workload on themselves to secure a certain level of income, neglecting their physical and mental health.
Variable health coverage
Regarding health, TNS are not required to take out supplementary health insurance.
However, in the event of a more or less serious problem, stopping their activity can endanger their business. As a result, some self-employed workers are tempted to work even when they do not feel well, which can worsen their health.
Unlike employees, self-employed workers do not benefit from employer-provided health insurance. They must therefore subscribe to their own private mutual health plan, which can lead to high costs and variable coverage.
If you are a business owner, self-employed, or a freelancer, it is strongly recommended to take out a professional health insurance policy to calmly face life’s uncertainties.
The Codeur.com & GSMC special offer for the self-employed
The Codeur.com & GSMC special offer for the self-employed
Since 2006, Codeur.com has been advising and supporting freelancers in their search for assignments. It therefore seemed only natural for us to develop a partnership with GSMC, the mutual health insurer which takes care of independent workers.
That is why we are offering you an exceptional deal today dedicated to self-employed workers!
On the occasion of No Smoking Month (from November 1 to 30, 2023), benefit from 2 free apps for any subscription to the GSMC TNS health insurance offer (value €120):
- 1 year Premium subscription to the Petit Bambou meditation app
- 1 year Premium subscription to the Kwit smoking cessation app
A mutual that adapts to all businesses
While GSMC stands out for its particularly attractive offer dedicated to self-employed workers (TNS), the insurer also offers tailor-made plans at competitive rates for all companies.
Comprehensive yet flexible health coverage
With 8 base levels, 4 optical modules and 9 supplementary levels, GSMC offers you a flexible complementary health plan that can be customized according to your company’s and your employees’ needs.
The Codeur.com & GSMC special offer for businesses
Are you in charge of a company with at least one employee? Once again, GSMC and Codeur.com have joined forces to offer you a particularly attractive deal to care for your employees’ well-being:
- 1 year membership offered at Fitness Park gyms, across France, for all your employees (value: €400/person)
By offering wellness programs to your employees, you reinforce your company’s positive image and reduce absenteeism by 50%.
GSMC takes care of you every day
In short, GSMC is much more than a mutual for entrepreneurs. It is a trusted partner that understands the specificities of your status and is committed to protecting your health and that of your business by offering tailor-made health solutions.
With quality plans, simplified processes, a responsive team and innovative benefits, GSMC supports your professional success by ensuring your well‑being.
At Codeur.com, we are proud to have developed a partnership with GSMC. As a business owner, you deserve solid protection for your activity! GSMC is here to offer you that peace of mind.
