{"id":39729,"date":"2026-06-10T11:37:38","date_gmt":"2026-06-10T09:37:38","guid":{"rendered":"https:\/\/www.mgc.es\/?p=39729"},"modified":"2026-06-10T12:40:23","modified_gmt":"2026-06-10T10:40:23","slug":"asseguranca-de-vida-per-a-autonoms-invalidesa-permanent-sent-autonom","status":"publish","type":"post","link":"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-de-vida-per-a-autonoms-invalidesa-permanent-sent-autonom\/","title":{"rendered":"Asseguran\u00e7a de vida per a aut\u00f2noms: invalidesa permanent sent aut\u00f2nom?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_84 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\"><p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndex de continguts<\/p>\n<\/div><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:\/\/www.mgc.es\/ca\/blog\/asseguranca-de-vida-per-a-autonoms-invalidesa-permanent-sent-autonom\/#Per_que_necessites_protegir_els_teus_ingressos_reals\" >Per qu\u00e8 necessites protegir els teus ingressos reals<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-de-vida-per-a-autonoms-invalidesa-permanent-sent-autonom\/#Que_cobreix_la_Seguretat_Social_si_ets_autonom_i_pateixes_una_invalidesa_permanent\" >Qu\u00e8 cobreix la Seguretat Social si ets aut\u00f2nom i pateixes una invalidesa permanent<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-de-vida-per-a-autonoms-invalidesa-permanent-sent-autonom\/#Graus_dinvalidesa_permanent_que_significa_cada_un_per_a_un_autonom\" >Graus d&#8217;invalidesa permanent: qu\u00e8 significa cada un per a un aut\u00f2nom<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-de-vida-per-a-autonoms-invalidesa-permanent-sent-autonom\/#Per_que_la_invalidesa_es_mes_perillosa_que_el_falleciment_per_a_les_teves_finances\" >Per qu\u00e8 la invalidesa \u00e9s m\u00e9s perillosa que el falleciment per a les teves finances<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-de-vida-per-a-autonoms-invalidesa-permanent-sent-autonom\/#La_diferencia_entre_el_capital_de_lasseguranca_i_la_pensio_publica\" >La difer\u00e8ncia entre el capital de l&#8217;asseguran\u00e7a i la pensi\u00f3 p\u00fablica<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-de-vida-per-a-autonoms-invalidesa-permanent-sent-autonom\/#Quanta_proteccio_necessites_realment\" >Quanta protecci\u00f3 necessites realment?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-de-vida-per-a-autonoms-invalidesa-permanent-sent-autonom\/#Quins_autonoms_haurien_de_plantejar-se_aquesta_asseguranca_amb_mes_urgencia\" >Quins aut\u00f2noms haurien de plantejar-se aquesta asseguran\u00e7a amb m\u00e9s urg\u00e8ncia?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-de-vida-per-a-autonoms-invalidesa-permanent-sent-autonom\/#Que_cobreix_lasseguranca_de_Vida_Risc_Professional_de_MGC_Mutua\" >Qu\u00e8 cobreix l&#8217;asseguran\u00e7a de Vida Risc Professional de MGC M\u00fatua<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-de-vida-per-a-autonoms-invalidesa-permanent-sent-autonom\/#Preguntes_frequents\" >Preguntes freq\u00fcents<\/a><\/li><\/ul><\/nav><\/div>\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Per_que_necessites_protegir_els_teus_ingressos_reals\"><\/span>Per qu\u00e8 necessites protegir els teus ingressos reals<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Hi ha una pregunta que molt pocs aut\u00f2noms es fan fins que \u00e9s massa tard: qu\u00e8 passaria amb els meus ingressos si dem\u00e0 no pogu\u00e9s treballar?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">No parlem d&#8217;una baixa de dues setmanes. Parlem d&#8217;una malaltia greu, un accident amb seq\u00fceles permanents, una situaci\u00f3 que t&#8217;impedeixi exercir la teva professi\u00f3 de forma definitiva. Per a un treballador per compte d&#8217;altri, existeix la xarxa de l&#8217;empresa: conveni col\u00b7lectiu, prestacions complement\u00e0ries, recursos de RRHH. Per a un aut\u00f2nom, aquesta xarxa, senzillament, no existeix.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I malgrat aix\u00f2, el 40 % dels aut\u00f2noms a Espanya no t\u00e9 cap <a href=\"https:\/\/www.mgc.es\/ca\/blog\/per-que-contractar-una-asseguranca-de-vida\/\" target=\"_blank\" rel=\"noreferrer noopener\">asseguran\u00e7a de vida<\/a>. La majoria assumeix que la Seguretat Social els cobrir\u00e0. La realitat \u00e9s for\u00e7a m\u00e9s dura.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"880\" height=\"587\" src=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/06\/shutterstock_1916668997-880x587.jpg\" alt=\"\" class=\"wp-image-39726\" srcset=\"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/06\/shutterstock_1916668997-880x587.jpg 880w, https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/06\/shutterstock_1916668997-440x293.jpg 440w, https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/06\/shutterstock_1916668997-768x512.jpg 768w, https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/06\/shutterstock_1916668997.jpg 1000w\" sizes=\"auto, (max-width: 880px) 100vw, 880px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_cobreix_la_Seguretat_Social_si_ets_autonom_i_pateixes_una_invalidesa_permanent\"><\/span>Qu\u00e8 cobreix la Seguretat Social si ets aut\u00f2nom i pateixes una invalidesa permanent<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Quan un aut\u00f2nom pateix una invalidesa permanent absoluta, t\u00e9 dret a sol\u00b7licitar la prestaci\u00f3 de l&#8217;INSS. Fins aqu\u00ed, b\u00e9.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">El problema comen\u00e7a quan revises els requisits. Per accedir a la pensi\u00f3 per incapacitat permanent absoluta derivada de malaltia comuna, s&#8217;exigeix un per\u00edode m\u00ednim de cotitzaci\u00f3. I aqu\u00ed \u00e9s on molts aut\u00f2noms descobreixen el forat:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Els que han cotitzat per la base m\u00ednima tenen una base reguladora molt baixa. La pensi\u00f3 resultant \u00e9s insuficient per mantenir el seu nivell de vida.<\/li>\n\n\n\n<li>Els que han tingut per\u00edodes sense cotitzar, cosa freq\u00fcent en les primeres etapes del negoci o en crisis del sector, poden no reunir els requisits m\u00ednims.<\/li>\n\n\n\n<li>Els que han tingut carreres irregulars es troben en terra de ning\u00fa.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La pensi\u00f3 p\u00fablica no est\u00e0 dissenyada per reempla\u00e7ar els ingressos reals d&#8217;un aut\u00f2nom. Est\u00e0 dissenyada com una xarxa de m\u00ednims.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Graus_dinvalidesa_permanent_que_significa_cada_un_per_a_un_autonom\"><\/span>Graus d&#8217;invalidesa permanent: qu\u00e8 significa cada un per a un aut\u00f2nom<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.mgc.es\/ca\/blog\/invalidesa-permanent-absoluta\/\" target=\"_blank\" rel=\"noreferrer noopener\">La invalidesa permanent<\/a> t\u00e9 diferents graus, i cada un t\u00e9 implicacions diferents:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Incapacitat Permanent Total (IPT): t&#8217;impedeix exercir la teva professi\u00f3 habitual, per\u00f2 podries exercir-ne una altra de diferent. Pensi\u00f3: 55 % de la base reguladora (o 75 % en determinats casos).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Invalidesa Permanent Absoluta (IPA): t&#8217;incapacita per a qualsevol treball o activitat professional, sigui quina sigui. Pensi\u00f3 del 100 % de la base reguladora, exempta en l&#8217;IRPF. Per\u00f2 si la teva base de cotitzaci\u00f3 ha estat baixa, el 100 % de poc continua sent poc.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Gran invalidesa: a m\u00e9s de no poder treballar, necessites ajuda de tercers per a les activitats b\u00e0siques del dia a dia. Comporta un complement addicional sobre la pensi\u00f3 d&#8217;IPA.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La clau per a un aut\u00f2nom no \u00e9s nom\u00e9s saber qu\u00e8 li cobrir\u00e0 la Seguretat Social, sin\u00f3 preguntar-se: aquesta cobertura \u00e9s suficient per mantenir la meva llar, pagar la meva hipoteca i costejar les cures que pogu\u00e9s necessitar?<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Per_que_la_invalidesa_es_mes_perillosa_que_el_falleciment_per_a_les_teves_finances\"><\/span>Per qu\u00e8 la invalidesa \u00e9s m\u00e9s perillosa que el falleciment per a les teves finances<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pot sonar estrany, per\u00f2 \u00e9s una realitat que els assessors d&#8217;assegurances coneixen b\u00e9: la invalidesa permanent \u00e9s econ\u00f2micament m\u00e9s devastadora que el falleciment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Quan mors, les teves despeses desapareixen amb tu. Quan pateixes una invalidesa permanent absoluta, continues vivint: la hipoteca continua, els subministraments continuen, les despeses m\u00e8diques augmenten i, en molts casos, la fam\u00edlia ha de reorganitzar-se per donar-te suport, cosa que pot suposar una p\u00e8rdua addicional d&#8217;ingressos a la llar.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per a un aut\u00f2nom, aix\u00f2 t\u00e9 a m\u00e9s una dimensi\u00f3 espec\u00edfica: si l&#8217;activitat s&#8217;atura, no nom\u00e9s deixen d&#8217;entrar ingressos. Tamb\u00e9 desapareix el negoci. Anys de construcci\u00f3 de cartera de clients, de marca personal, d&#8217;estructura operativa. Tot s&#8217;atura.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"La_diferencia_entre_el_capital_de_lasseguranca_i_la_pensio_publica\"><\/span>La difer\u00e8ncia entre el capital de l&#8217;asseguran\u00e7a i la pensi\u00f3 p\u00fablica<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">La prestaci\u00f3 de l&#8217;INSS arriba mes a mes. El capital de l&#8217;asseguran\u00e7a arriba d&#8217;una sola vegada, quan es produeix el sinistre. Aquesta difer\u00e8ncia importa:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Permet fer front a despeses immediates: adaptaci\u00f3 de la llar, equipament m\u00e8dic, tancament ordenat del negoci.<\/li>\n\n\n\n<li>No est\u00e0 condicionat a revisions administratives ni a per\u00edodes d&#8217;espera.<\/li>\n\n\n\n<li>No dep\u00e8n de quant hagis cotitzat ni de quina sigui la teva base reguladora.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">El capital de l&#8217;asseguran\u00e7a no substitueix la pensi\u00f3 p\u00fablica: la complementa en el moment en qu\u00e8 m\u00e9s es necessita.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quanta_proteccio_necessites_realment\"><\/span>Quanta protecci\u00f3 necessites realment?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Una regla pr\u00e0ctica: el capital assegurat hauria de cobrir, com a m\u00ednim, entre 3 i 5 anys dels teus ingressos nets reals, m\u00e9s l&#8217;import dels teus deutes principals.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per\u00f2 cada situaci\u00f3 \u00e9s diferent. Un aut\u00f2nom sense c\u00e0rregues familiars no necessita el mateix que un amb hipoteca, fills i un negoci en creixement.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Per aix\u00f2, el primer pas no \u00e9s contractar. \u00c9s <a href=\"https:\/\/www.mgc.es\/ca\/blog\/com-calcular-asseguranca-autonoms\/\" target=\"_blank\" rel=\"noreferrer noopener\">calcular.<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fes-te aquestes tres preguntes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quant necessitaries per liquidar els teus deutes actuals? (hipoteca, pr\u00e9stecs, deute del negoci)<\/li>\n\n\n\n<li>Quants anys d&#8217;ingressos necessitaries perqu\u00e8 la teva fam\u00edlia es reorganitz\u00e9s sense pressi\u00f3 econ\u00f2mica?<\/li>\n\n\n\n<li>Hi hauria despeses extraordin\u00e0ries derivades de la pr\u00f2pia invalidesa? (adaptacions de la llar, cures, tractaments)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La suma d&#8217;aquestes tres xifres et dona una orientaci\u00f3 del capital que t\u00e9 sentit assegurar. Un assessor de MGC M\u00fatua pot ajudar-te a calibrar-lo en funci\u00f3 de la teva situaci\u00f3 concreta.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Quins_autonoms_haurien_de_plantejar-se_aquesta_asseguranca_amb_mes_urgencia\"><\/span>Quins aut\u00f2noms haurien de plantejar-se aquesta asseguran\u00e7a amb m\u00e9s urg\u00e8ncia?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Aut\u00f2noms amb c\u00e0rregues hipotec\u00e0ries. Si els teus ingressos depenen exclusivament de la teva activitat, la invalidesa pot significar perdre l&#8217;habitatge en menys d&#8217;un any.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Freelancers i professionals liberals. Advocats, arquitectes, metges, consultors, dissenyadors. Professions que construeixen el seu valor al voltant de la capacitat de treballar. Si aquesta capacitat desapareix, el negoci desapareix amb ella.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Aut\u00f2noms amb cotitzacions baixes o irregulars. Si has cotitzat per la base m\u00ednima o has tingut per\u00edodes sense cotitzar, la pensi\u00f3 p\u00fablica en cas d&#8217;IPA pot ser insuficient per cobrir les teves despeses b\u00e0siques.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pares i mares amb dependents econ\u00f2mics. Quan hi ha menors o familiars que depenen dels teus ingressos, la invalidesa no nom\u00e9s t&#8217;afecta a tu.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Que_cobreix_lasseguranca_de_Vida_Risc_Professional_de_MGC_Mutua\"><\/span>Qu\u00e8 cobreix l&#8217;asseguran\u00e7a de Vida Risc Professional de MGC M\u00fatua<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;asseguran\u00e7a <a href=\"https:\/\/www.mgc.es\/ca\/vida\/vida-professional\/\" target=\"_blank\" rel=\"noreferrer noopener\">Vida Risc Professional<\/a> est\u00e0 dissenyada per cobrir exactament aquest escenari. No \u00e9s una asseguran\u00e7a gen\u00e8rica de vida: \u00e9s un producte pensat per protegir els ingressos derivats del treball professional.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Capital en cas de mort. Defunci\u00f3 per qualsevol causa. La teva fam\u00edlia no hereta tamb\u00e9 els teus deutes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Capital en cas d&#8217;IPT. Si una situaci\u00f3 f\u00edsica o ps\u00edquica definitiva i irreversible t&#8217;impedeix realitzar les tasques fonamentals de la teva professi\u00f3 habitual, reps el capital assegurat d&#8217;una sola vegada.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Capital en cas d&#8217;IPA (garantia complement\u00e0ria). Inhabilitaci\u00f3 total i irreversible per a qualsevol professi\u00f3 o ofici. El capital es percep independentment del teu historial de cotitzacions.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Condicions principals: contractaci\u00f3 entre 18 i 63 anys \u00b7 cobertura de mort fins als 75 \u00b7 IPA i IPT fins als 67 \u00b7 capital m\u00e0xim assegurable 300.000 \u20ac.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Protegeix el que has trigat anys a construir<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Una <a href=\"https:\/\/www.mgc.es\/ca\/blog\/per-que-contractar-una-asseguranca-de-vida\/\" target=\"_blank\" rel=\"noreferrer noopener\">asseguran\u00e7a de vida<\/a> no \u00e9s nom\u00e9s pensar en la mort. \u00c9s pensar en tots els escenaris en qu\u00e8 la teva capacitat de generar ingressos pot desapar\u00e8ixer de cop. Per a un aut\u00f2nom, la invalidesa permanent \u00e9s un dels m\u00e9s probables i, al mateix temps, un dels menys coberts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;asseguran\u00e7a <a href=\"https:\/\/www.mgc.es\/ca\/vida\/vida-professional\/\" target=\"_blank\" rel=\"noreferrer noopener\">Vida Risc Professional<\/a> de MGC M\u00fatua est\u00e0 dissenyada per cobrir exactament aquest buit: el que deixa la Seguretat Social quan les teves cotitzacions no arriben o quan simplement necessites un capital immediat per no prendre decisions en el pitjor moment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si vols saber quin capital et conv\u00e9 o com funcionen les cobertures en el teu cas, el nostre equip d&#8217;assessors est\u00e0 a la teva disposici\u00f3 al <a href=\"tel:93 122 15 50\" class=\"atphone\">93 122 15 50<\/a> o mitjan\u00e7ant el <a href=\"#\" rel=\"nofollow\" class=\"modal-trigger\" data-toggle=\"modal\" data-target=\"#infoCoversModalAlt\">formulari de contacte<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Preguntes_frequents\"><\/span>Preguntes freq\u00fcents<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Puc contractar l&#8217;asseguran\u00e7a si ja tinc alguna malaltia preexistent?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed. Haur\u00e0s de declarar-ho en el q\u00fcestionari de salut. MGC M\u00fatua valorar\u00e0 el risc i informar\u00e0 si hi ha alguna exclusi\u00f3 espec\u00edfica. El fonamental \u00e9s la transpar\u00e8ncia per garantir que la cobertura sigui v\u00e0lida quan la necessitis.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">El capital de l&#8217;asseguran\u00e7a tributa en l&#8217;IRPF?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Quan el prenedor i el beneficiari s\u00f3n la mateixa persona, com ocorre en la cobertura d&#8217;invalidesa, el capital tributa en l&#8217;IRPF com a rendiment del capital mobiliari. Diferent de la pensi\u00f3 p\u00fablica d&#8217;IPA, que est\u00e0 exempta.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u00c9s compatible el capital de l&#8217;asseguran\u00e7a amb la pensi\u00f3 de l&#8217;INSS?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">S\u00ed, s\u00f3n totalment compatibles. Pots percebre totes dues de forma simult\u00e0nia.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Puc <a href=\"https:\/\/www.mgc.es\/ca\/?p=39156\" target=\"_blank\" rel=\"noreferrer noopener\">deduir-me la prima<\/a> com a despesa d&#8217;aut\u00f2nom?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En determinades circumst\u00e0ncies, s\u00ed. Per a una an\u00e0lisi fiscal precisa de la teva situaci\u00f3, consulta amb el teu assessor o gestoria.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Per qu\u00e8 necessites protegir els teus ingressos reals Hi ha una pregunta que molt pocs aut\u00f2noms es fan fins que \u00e9s massa tard: qu\u00e8 passaria amb els meus ingressos si dem\u00e0 no pogu\u00e9s treballar? No parlem d&#8217;una baixa de dues setmanes. Parlem d&#8217;una malaltia greu, un accident amb seq\u00fceles permanents, una situaci\u00f3 que t&#8217;impedeixi exercir [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":39728,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[990],"tags":[],"class_list":["post-39729","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assegurances-i-la-mutua"],"featured_image_src":"https:\/\/www.mgc.es\/wp-content\/uploads\/2026\/06\/shutterstock_1916668997.jpg","author_info":{"display_name":"Revista Inter\u00e8s Mutu","author_link":"https:\/\/www.mgc.es\/ca\/blog\/author\/interesmutu\/"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Asseguran\u00e7a de vida per a aut\u00f2noms: invalidesa permanent sent aut\u00f2nom? - MGC M\u00fatua<\/title>\n<meta name=\"description\" content=\"El 40 % dels aut\u00f2noms no t\u00e9 asseguran\u00e7a de vida. Si una invalidesa atura la teva activitat, qu\u00e8 cobreix realment l&#039;INSS? Tot el que necessites saber.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.mgc.es\/ca\/blog\/asseguranca-de-vida-per-a-autonoms-invalidesa-permanent-sent-autonom\/\" \/>\n<meta property=\"og:locale\" content=\"ca_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Asseguran\u00e7a de vida per a aut\u00f2noms: invalidesa permanent sent aut\u00f2nom? - MGC M\u00fatua\" \/>\n<meta property=\"og:description\" content=\"El 40 % dels aut\u00f2noms no t\u00e9 asseguran\u00e7a de vida. Si una invalidesa atura la teva activitat, qu\u00e8 cobreix realment l&#039;INSS? 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