Tag Archives: insurance

Professional Insurance RC and Personal accidents

To teach Yoga, you will need to be insured.

The insurance covers, worldwide or in the country where you engage in the activities of a Yoga teacher and similar techniques under the auspices of a professional Federation of Yoga that is recognized for it’s members, teachers or students.

A Professional Insurance RC”(civil liability) and personal accidents

Summary of the conditions of insurance.

Contract Ethias no xxxxxx

  1. 1 Subject: activities insured

The Board of ETHIAS, trusting us to define ourselves these activities, decided to place under its aegis:

Yoga and similar activities organized by its teacher members.

Activities recommended by a teacher to his students.

Two categories of risks are covered :

  1. Civil liability (relative to a third party)
  2. Personal accidents

Guarantees civil liability.

The contract guarantees the financial consequences (including the legal costs in the event of civil action) that could be borne by the insured following damage caused to other people. This warranty is granted during the insured activities and group travel.

Are excluded from the insurance :

  • Damage to goods, movable or immovable, e.g.: glasses, clothing and personal effects shall not be reimbursed.
  • Damage caused by the use of a vehicle that legally has to be insured.
  • Covered amounts: limited to xxx euros per claim for personal injuries. 

Personal injury

The contract guarantees the insured payment of the sums provided, in case of bodily injury to themselves. This warranty is granted for accidents occurring during the insured activities and those that occur on the way to the place of meeting. Individual and group travel, even by plane, is therefore guaranteed.

“By accident” means a sudden event whose cause is foreign to the body of the victim and which produces a bodily injury. Shall be assimilated to an accident and therefore covered:

  • The consequences of physical effort, such as dislocations and muscle tears.
  • Diseases which are the direct consequence of an accident covered: insolation, accidental suffocation…

Amounts covered:

  1. Processing fee
  • Transportation, medical, pharmaceutical, prosthesis, orthopaedic and special treatment expenses, (massage, physiotherapy,),
  • Hospitalization, etc.”

Are covered for 75 weeks after the accident.

The cost of treatment is reimbursed by reference to the rates of the NIHDI (so only for treatments that are listed there and without exceeding the fixed maximum amount), for the part exceeding the mutual repayments.

– Dentures are reimbursed to maximum xxx euros per tooth and not exceeding xxx euros per victim.

  1. b) In the case of death, there is payment of a capital of xxx euros per victim.
  2. c) In the case of permanent disability, there is payment of a capital sum determined in proportion to the degree of invalidity on the basis of a capital of xxx euros for 100% disability.

Are excluded from the warranty: accidents intentionally caused or occurring under the influence of drink or drugs.

In any event, ETHIAS intervenes after reimbursement by the mutual and by any other insurance covering the same risk. No cumulating is therefore possible.

  1. Declaration :

The accident must be declared as soon as possible

  1. Of effect :

You’re covered when you pay your fee as an effective member, teacher or practitioner. Your students are covered when you have sent their names and addresses to the secretariat and that you have paid for them the contribution of associate membership.

Student insurance is personal. One cannot transfer the assurance of one student to another one, even if the first one has given up coming.

Some jurisdictions require that teachers who offer courses of yoga in their building be covered by a RC-fire insurance.

The form required for this insurance is generally provided by the administration itself; otherwise, it can be obtained for Belgium from:

EHIAS, rue des Croisiers, 24 – 4000 Liège.

Tel : 04 220 36 07 (M. Dessouroux) or 04 220 36 15 (Mme Materne)

Your membership to the association covers accidents and liability,

The cost of this coverage is generally low.   You can continue to register new students throughout the year but all entries (and insurances that are attached) expire on 31 August regardless of the date of registration.

For Belgium :


For France :

  • x

For Greece :

  • x

Health information in Greece, Ashtanga Yoga workshop in Greece (island of Andros and Athens)

In Greece, an informed Yogini being worth (at least) two, you can safely leave with a light heart and joyful soul and enjoy your stay, full of fragrance, colour and sonority…

The Greeks are very warm and welcoming, but the public health system could be much better… In case of necessity, it is better to go to private hospitals (better monitored hygiene). It is a good idea to take out a travel insurance, as “Europe Assistance”).

The European card of health insurance (public service).

For the French :

You get your European insurance card from your social security centre or via it’s website. You will receive it within 15 days. It is valid 1 year, free and personal.

For the Belgians :

Ask the equivalent from your « Mutuelle ».

The card is valid for all countries, members of the European Union

No vaccine is mandatory for Greece (that does not mean that the traveller should not update his vaccinations).

If you have a current treatment, don’t forget your medications. You can take a basic emergency pharmacy with you. Beware of the sun and heat, which can cause sunstroke and dehydration. In Greece, there are many pharmacies where you will find all you need.

Turista (diarrhea)

It is caught, in general, by water or food containing of relatively common bacteria. Some tips and a trip pharmacy containing good medicines are often useful. Prevention remains the best method.

  • The first reaction is to drink clean water, slightly salty, bought in sealed bottles to avoid dehydration.
  • Charcoal capsules.
  • If insufficient, take the Immodium. If there is no effect, then take antibiotics such as “Fluroquinolone.
Toilet paper ?

Toilet paper ?

The toilets

In Greece, one does not throw toilet paper into the toilet bowl; the risk of clogging the pipes is serious. One throws it in the bin prepared to this effect. The other reason is that toilet paper acidifies seawater and our Greek friends are very attached to the quality of the blue of the sea…

On this subject, you can visit the sites :

  • ‘Question-health’
  • “Health trips”, health info by country.
  • S. Adventure, several shops in Belgium and Brussels.
  • Website: traveling-doctors.com 

Other additional information :

  • Travel information, ” flights ” and ” transfer “
  • Find a ” hotel ” in Athens
  • ” Greek Cuisine “

Yoga class pricing

First of all, don’t worry; it is possible to live on your passion.

It is possible to love all dimensions of your work, including the accounting aspect.

You will probably not work as an employee; most Yoga teachers are self-employed. This means you will need to pay your own social security charges (insurance, pension etc.). If you don’t teach any classes you will not have any cash inflow, but the basic costs will still be present. When you go on vacation you will not have paid leave. Therefore, you will need to plan … Each day will be different, some days you will have 10 students in your class, but other days you will have only 2. Sometimes your class may be cancelled because you will have no students showing up.

Your monthly income will depend on your hourly rate. The minimum hourly rate should be around 30€-35€, regardless of how many students you have in class. You are free to set your price based on group classes, private classes, and at home classes.

Check the rates usual in the area where you wish to exercise, so you can adapt to the “market”.

As an example, when you get 100 €, you will keep 40 € after deduction of all costs.


Don’t forget to calculate your running costs. For example, if you work in a cultural centre, your running costs will be very low (you will only have travel expenses). If you exercise in your own space, you will have more operating costs (heating, water, rental fee, electricity, toilet paper, carpets, cleaning fee, etc.). Good management is absolutely necessary.

Do not be afraid of the bureaucratic aspect, once organized; it is a genuine area of ​​freedom.

Fees for group classes (1h30)

2014 Test Class 10 class card/group Yoga mat rental
Paris 25€ 200€ 2€
Brussels 20€ 130€ Free
Province Free or 5 € 100€ Free

 Yoga Teacher salary

The salary of a beginning yoga teacher (as an employee) is based on the guaranteed minimum wage; add 20% for the transport costs.

How to determine commute/travel expenses

The price will depend on the means of transport :

  • Public transport: cost of transport tickets, keep them carefully
  • Bicycle: purchase of the bicycle, depreciation, and tire wear, maintenance costs, …
  • Motorbike: purchase of the motorbike, depreciation costs, tire wear, maintenance, insurance, …
  • Car: purchase of the car, depreciation, tire wear, maintenance cost, insurance, …
  • Don’t forget to count travel time …

The tax services issue information about acceptable transport costs, etc.