OptiLib is a Cardif Lux Vie product distributed by its insurance agency BGL BNP Paribas
Eligibility criteria for OptiLib:
1) You must be an independent professional or freelancer
2) You must be a Luxembourg resident
3) You must be registered with the Luxembourg social security system
4) You must be aged between 18 and 70 when the policy takes effect.
1The terms and conditions of this offer are available in our branches
2Tax deductibility depends on the individual circumstances of each taxpayer and is subject to change over time.
3 Subject to a 20.9% tax and charge payable with your premiums. This is made up of a 20% withholding tax plus a 0.9% supervisory fee. Contributions are classed as tax-deductible special expenses under Article 110 3a of the Luxembourg Income Tax Law (LIR). They are capped at 20% of net professional income. Eventually, only a 1.4% long-term care contribution is payable.
4The terms and conditions are available at your branch