Tag Archives: yoga teacher

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

In what professional setting exercise a Yoga teacher activity ?

There are several legal possibilities for exercising a professional activity as Yoga Teacher

  1. Associative
  2. Liberal

Becoming an independent worker

As from the age of 18, a self-employed person must become affiliated to a social insurance fund and pay a subscription.

Am I self-employed or a salaried employee in the eyes of to social security ?

In order to establish himself or herself, as self-employed, workers in certain professions, need to have obtained a bachelor’s degree or a graduate diploma.

Non-nationals must have a business card.

If a person exercises a self-employed professional activity for which he does not hold the required diplomas, he however belongs to the social status of self-employed people.

Self-employed complementary contributions

Obligation to contribute

As a self-employed person, you are required to pay contributions to your social insurance fund. Each trimester, you pay a lump sum, which will be divided according to their needs between different sectors

  • Family benefits
  • Pension
  • Sickness and invalidity
  • Insurance against bankruptcy


Attention : there is no contribution for unemployment for an independent.

Contributions must be paid no later than the last day of the trimester for which they are due.

Note :

A contribution is considered as having been paid the day the amount is credited on the account of your social insurance.

Your insurance coverage passes through the payment of contributions. If you neglect to pay, you can expect sanctions (fines, etc.) so do not pay late..

– Social contribution Calculation

– Exemption from payment of contributions *

Exemption of contributions

if you are not able to pay your social contributions, for special reasons, you can apply for a contribution exemption :

Basic conditions

You are primarily self-employed independent

You must establish that you are in need or in a state close to need

Note :

As an assisting spouse, you can get an exemption of dues so long as your independent partner has also been granted an exemption for the same trimesters.


You must fill in an application form that you deposit on the spot or send by registered letter to your social insurance fund.

The exemption of contributions can be partial or total

Your social insurance fund will forward your file to the Commission of exemptions of contributions :

Which can particularly take into account 

  • Your income
  • Your potential debts
  • Extraordinary expenses
  • The composition of your household


The periods during which you have obtained an exemption of contributions, will not be included for the calculation of your pension

“Greek Cuisine” Travel information, Ashtanga Yoga workshops in Greece (Athens & island of Andros)

Greek cuisine is famous thanks to its “Mediterranean diet” or “Cretan diet”. The countries of the Mediterranean basin have a food tradition based on fruit, vegetables, cereals, walnut and olive oil, dairy products (yoghurt, cheese), aromatic herbs and a low consumption of animal products (meat).

Unesco has recognized Mediterranean cuisine as an Intangible Heritage of Humanity since 2010[1].

This cuisine is not only tasty but also very good for your health, protecting against cardiovascular diseases; degeneration of cognitive functions (memory lapses, etc.)…

Contemporary Greek cuisine uses a lot of olive and walnut oil (omega 3), spices, vegetables, and cereals. Olives, aubergines, courgettes, tomatoes, yoghurt, as well as the cheeses, are world famous. The wine is delicious !


Greek desserts

Sugar lovers will be in paradise with Greek desserts that are often made with honey and nuts.

Served with wine, ouzo or raki, mezes (something between appetizers and hors d’oeuvres) offer a variety of typical Greek dishes. In a Greek restaurant, if you do not speak Greek, no stress, you go directly to the kitchen, you lift the lids and order what you like.

Most Greeks do not go to a restaurant for gastronomic reasons but to feel well and have a good time with friends. The standing of a restaurant is therefore not a concept which really applies to Greek restaurants: expect paper tablecloths most of the time and no concern for the way the food looks and the muddled order in which it comes to table…   What counts is that you eat well, cheaply and rather copiously in most of the “taverna” found everywhere. You will be charged for the bread and cutlery!

In theory, there is a difference between a taverna and a restaurant (estiatorio). The first is more relaxed and friendly than the second. In practice, the label “restaurant” gives a ‘smarter’ impression for some people, but the label does not always describe what you find inside.

Finally, you will also find Greeks eating in the ouzeria (plural of ouzeri), sometimes also called mezedopolia or even ouzadika. Mezes (or even pikilies when they are larger) that accompany ouzo (local pastis) may be enough for a small meal.

On Andros Island, for your seminar of Ashtanga Yoga, you will eat in the Karanasos Hotel. Our host Sophia is not only a very good yoga teacher; she is also a wonderful cook. At each meal, you will be surprised by the taste and the quality of the food, by the lushness and inventiveness of the Greek culinary tradition. Most of the ingredients are grown organically.

Some tasty standards :

  • Feta: famous Greek cheese, not only eaten in a salad. It can also be fried, coated with sesame seeds, served with honey or coated in batter.
  • Greek Salad (khoriatiki): essential first course and cheap.
  • Tzatziki: yoghurt, cucumber, crushed garlic, olive oil and herbs.
  • Melitzanosalata: eggplant salad.
  • Moussaka: there are also vegetarian moussakas… yummy
  • Kolokithia tiganita: zucchini cut into slices and fried.
  • Dolmades: well known stuffed vine leaves.
  • Briam: a kind of ratatouille (potatoes, zucchini, peppers and tomatoes).
  • Imam baïldi: a dish of Turkish origin, like so many others (eggplant stuffed with onion, tomatoes and herbs).
  • Stuffed TomatoesYemista (orphana): when the tomatoes and peppers are stuffed but with rice (no meat), they are known amusingly as “orphana’ (orphans), my son Surya’s favourite dish.

Snack time.


Greek cafe


Greek coffee, avoid asking for a “Turkish coffee”: you won’t be well thought of. Ask instead for “ena helliniko, parakalo!”(One Greek coffee, please). It is normally served with a glass of water.

Retsina, the French are often surprised by its taste. It is a slightly sparkling table wine that is typically Greek.

Additional information:

  • Travel, ‘flight’ and ‘transfer’ information
  • Finding a ‘hotel’ in Athens
  • Taking photos in Greece
  • Information on ‘Health’ in Greece

[1] Wikipedia: the Mediterranean diet  (In 2010, Italy, Spain, Greece and Morocco were the first to be recognised, but on December 4, 2013, Portugal, Cyprus and Croatia were also recognised by UNESCO.)