{"id":1092,"date":"2016-12-28T04:51:33","date_gmt":"2016-12-28T04:51:33","guid":{"rendered":"https:\/\/themify.me\/demo\/themes\/ultra-lawyer\/?page_id=5"},"modified":"2023-10-09T15:04:27","modified_gmt":"2023-10-09T14:04:27","slug":"home","status":"publish","type":"page","link":"https:\/\/heavenassurances.com\/ha\/","title":{"rendered":"Accueil"},"content":{"rendered":"<!--themify_builder_content-->\n<div id=\"themify_builder_content-1092\" data-postid=\"1092\" class=\"themify_builder_content themify_builder_content-1092 themify_builder tf_clear\">\n                    <div  data-parallax-bg=\"desktop\" data-css_id=\"60b8587\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth_row_container tb_60b8587 tb_first tf_w wow\" data-tf-animation=\"fadeIn\">\n            <span class=\"builder_row_cover tf_abs\"><\/span>            <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_c3b09ca first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_f55b278  repeat  wow\" data-tf-animation=\"fadeInUp\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1120\" src=\"http:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2018\/03\/LogoHA_Transparent.png\" alt=\"\" width=\"1000\" height=\"367\" srcset=\"https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2018\/03\/LogoHA_Transparent.png 1000w, https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2018\/03\/LogoHA_Transparent-300x110.png 300w, https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2018\/03\/LogoHA_Transparent-768x282.png 768w, https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2018\/03\/LogoHA_Transparent-600x220.png 600w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><\/p>    <\/div>\n<\/div>\n<!-- \/module text --><!-- module buttons -->\n<div  class=\"module module-buttons tb_5e3fc3a buttons-horizontal solid  xlarge wow\" data-tf-animation=\"fadeInLeft\" data-lazy=\"1\">\n        <div class=\"module-buttons-item tf_in_flx\">\n                        <a href=\"http:\/\/heavenassurances.com\/ha\/contact-us\/\" class=\"ui builder_button tf_in_flx blue\" >\n                                                Demander un rendez-vous                                        <\/a>\n                <\/div>\n            <\/div>\n<!-- \/module buttons -->\n        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_oa34531 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_coho532 first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_90dfd13  repeat  wow\" data-tf-animation=\"fadeInUp\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h2><strong>COURTIER D&#8217;ASSURANCES INDEPENDANT sp\u00e9cialiste de l&#8217;assurance de personne<\/strong><\/h2>\n<hr \/>\n<h2>\u00a0<\/h2>\n<h2>\u00a0 NOS SAVOIR-FAIRE<\/h2>    <\/div>\n<\/div>\n<!-- \/module text -->        <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"fmw6186\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth tb_fmw6186 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-2 tb_rqmv189 first\">\n                            <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_fuqs383\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_fcon387 first\">\n                    <!-- module image -->\n<div  class=\"module module-image tb_b0d7cac image-full-overlay   auto_fullwidth tf_mw wow\" data-tf-animation=\"fadeInUp\" data-lazy=\"1\">\n        <div class=\"image-wrap tf_rel tf_mw\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"1188\" height=\"700\" src=\"https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2019\/11\/pexels-photo-1133505.png\" class=\"wp-post-image wp-image-2758\" title=\"PREVOYANCE\" alt=\"PREVOYANCE\" srcset=\"https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2019\/11\/pexels-photo-1133505.png 1188w, https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2019\/11\/pexels-photo-1133505-300x177.png 300w, https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2019\/11\/pexels-photo-1133505-1024x603.png 1024w, https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2019\/11\/pexels-photo-1133505-768x453.png 768w\" sizes=\"auto, (max-width: 1188px) 100vw, 1188px\" \/>    \n        <\/div>\n    <!-- \/image-wrap -->\n    \n        <div class=\"image-content tf_overflow\">\n                    <h3 class=\"image-title\">\n                                    PREVOYANCE                            <\/h3>\n                    <\/div>\n    <!-- \/image-content -->\n        <\/div>\n<!-- \/module image -->        <\/div>\n                    <\/div>\n                <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_5o4k84\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_k0po85 first\">\n                    <!-- module tab -->\n<div  id=\"tb_ab701eb\" class=\"module ui module-tab tb_ab701eb tab-frame shadow transparent \" data-lazy=\"1\">\n        <div class=\"tab-nav-current-active tf_hide\">\n        <span class=\"tab_burger_icon tf_rel\"><\/span>\n        <span class=\"tb_tab_title\">D\u00e9finitions<\/span>\n    <\/div>\n    <ul class=\"tab-nav tf_clearfix tf_scrollbar\">\n                <li class=\"current\" aria-expanded=\"true\">\n            <a href=\"#tab-tb_ab701eb-0\">\n                                <span>D\u00e9finitions<\/span>                                            <\/a>\n        <\/li>\n                <li aria-expanded=\"false\">\n            <a href=\"#tab-tb_ab701eb-1\">\n                                <span>Contexte<\/span>                                            <\/a>\n        <\/li>\n                <li aria-expanded=\"false\">\n            <a href=\"#tab-tb_ab701eb-2\">\n                                <span>Solutions<\/span>                                            <\/a>\n        <\/li>\n            <\/ul>\n            <div data-id=\"tab-tb_ab701eb-0\" class=\"tab-content tf_clear\" aria-hidden=\"false\">\n                            <div class=\"tb_text_wrap\">\n                    <p>Contrat d\u2019assurance permettant de prot\u00e9ger l&#8217;assur\u00e9 et ses proches, contre la perte financi\u00e8re due \u00e0 un al\u00e9a (maladie ou accident), entrainant des cons\u00e9quences plus ou moins graves (incapacit\u00e9, invalidit\u00e9, perte d&#8217;autonomie ou d\u00e9c\u00e8s).<\/p>                <\/div>\n                    <\/div>\n            <div data-id=\"tab-tb_ab701eb-1\" class=\"tab-content tf_clear\" aria-hidden=\"true\">\n                            <div class=\"tb_text_wrap\">\n                    <p>C&#8217;est un contrat facultatif, mais indispensable, qui compl\u00e8te, relaie et\/ou suppl\u00e9e le r\u00e9gime obligatoire. Il s&#8217;adresse \u00e0 toutes les professions ind\u00e9pendantes (professions lib\u00e9rales, chefs d&#8217;entreprises, artisans, commer\u00e7ants, auto\/micro entrepreneurs, mandataires sociaux&#8230;) ou aux entreprises, et a de nombreuses formes et vocations.<\/p>\n<p>Bien choisir son contrat pr\u00e9voyance et constituer la structure d&#8217;une protection sociale compl\u00e9mentaire sont primordiaux. Mais ce n&#8217;est pas une t\u00e2che si \u00e9vidente : 90% des clients n&#8217;ont pas un contrat adapt\u00e9, qui pr\u00e9sente des lacunes insoup\u00e7onn\u00e9es et la strat\u00e9gie de protection est mal identifi\u00e9e ! Tous les contrats ne se valent pas (loin de l\u00e0) et avec plus d&#8217;une centaine de solutions sur le march\u00e9, majoritairement distribu\u00e9es par des r\u00e9seaux commerciaux, les mauvais choix de contrat sont plus que fr\u00e9quents.<\/p>\n<p>D&#8217;innombrables d\u00e9tails, peu \u00e9vidents \u00e0 d\u00e9chiffrer, nich\u00e9s dans les conditions g\u00e9n\u00e9rales, d\u00e9terminent la qualit\u00e9 ou la m\u00e9diocrit\u00e9 d&#8217;un contrat ! Et c&#8217;est souvent lors d&#8217;un sinistre important (invalidit\u00e9 ou PTIA (Perte Totale Irr\u00e9versible d&#8217;Autonomie)) qu&#8217;on s&#8217;en aper\u00e7oit !<\/p>\n<p>CONSEIL : le seul moyen fiable de jauger la qualit\u00e9 d&#8217;un contrat pr\u00e9voyance, est d&#8217;analyser en d\u00e9tail ses conditions g\u00e9n\u00e9rales. N&#8217;attachez que peu d&#8217;importance aux garanties &#8220;visibles&#8221;, telles que les montants assur\u00e9s ou les franchises de d\u00e9clenchement (cela peut se moduler \u00e0 souhait quel que soit le contrat). Afin de choisir, changer ou adapter efficacement un contrat pr\u00e9voyance ou ajuster l&#8217;ing\u00e9nierie de sa protection sociale, il est indispensable de le faire auditer par un conseiller ind\u00e9pendant, sp\u00e9cialiste de l&#8217;assurance de personne.<\/p>                <\/div>\n                    <\/div>\n            <div data-id=\"tab-tb_ab701eb-2\" class=\"tab-content tf_clear\" aria-hidden=\"true\">\n                            <div class=\"tb_text_wrap\">\n                    <p>D\u00e9c\u00e8s, perte totale et irr\u00e9versible d&#8217;autonomie, maintien de revenus\/indemnit\u00e9s journali\u00e8res, rente d&#8217;invalidit\u00e9, frais professionnels, rente d&#8217;\u00e9ducation, rente de conjoint, &#8220;homme cl\u00e9&#8221;, &#8220;associ\u00e9s crois\u00e9s&#8221;, d\u00e9pendance, osb\u00e8ques&#8230;<\/p>                <\/div>\n                    <\/div>\n    <\/div>\n<!-- \/module tab -->\n        <\/div>\n                    <\/div>\n                <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-2 tb_pj19191 last\">\n                            <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_fgfp350\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_crcg351 first\">\n                    <!-- module image -->\n<div  class=\"module module-image tb_66b00e7 image-full-overlay   auto_fullwidth tf_mw wow\" data-tf-animation=\"fadeInUp\" data-lazy=\"1\">\n        <div class=\"image-wrap tf_rel tf_mw\">\n            <img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2018\/08\/calculator-calculation-insurance-finance-53621.jpg\" width=\"1188\" height=\"700\" title=\"RETRAITE\" alt=\"RETRAITE\">    \n        <\/div>\n    <!-- \/image-wrap -->\n    \n        <div class=\"image-content tf_overflow\">\n                    <h3 class=\"image-title\">\n                                    RETRAITE                            <\/h3>\n                    <\/div>\n    <!-- \/image-content -->\n        <\/div>\n<!-- \/module image -->        <\/div>\n                    <\/div>\n                <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_q9oj361\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_puoi363 first\">\n                    <!-- module tab -->\n<div  id=\"tb_t9af633\" class=\"module ui module-tab tb_t9af633 tab-frame shadow transparent \" data-lazy=\"1\">\n        <div class=\"tab-nav-current-active tf_hide\">\n        <span class=\"tab_burger_icon tf_rel\"><\/span>\n        <span class=\"tb_tab_title\">D\u00e9finitions<\/span>\n    <\/div>\n    <ul class=\"tab-nav tf_clearfix tf_scrollbar\">\n                <li class=\"current\" aria-expanded=\"true\">\n            <a href=\"#tab-tb_t9af633-0\">\n                                <span>D\u00e9finitions<\/span>                                            <\/a>\n        <\/li>\n                <li aria-expanded=\"false\">\n            <a href=\"#tab-tb_t9af633-1\">\n                                <span>Contexte<\/span>                                            <\/a>\n        <\/li>\n                <li aria-expanded=\"false\">\n            <a href=\"#tab-tb_t9af633-2\">\n                                <span>Solutions<\/span>                                            <\/a>\n        <\/li>\n            <\/ul>\n            <div data-id=\"tab-tb_t9af633-0\" class=\"tab-content tf_clear\" aria-hidden=\"false\">\n                            <div class=\"tb_text_wrap\">\n                    <p>Un contrat de retraite suppl\u00e9mentaire, permet \u00e0 l&#8217;\u00e9pargnant de se constituer une solution de rente viag\u00e8re et\/ou de capital pour compl\u00e9ter ses revenus \u00e0 la retraite. Elle peut \u00eatre constitu\u00e9e au travers de multiples supports (voir l&#8217;onglet &#8220;solutions&#8221;).<\/p>                <\/div>\n                    <\/div>\n            <div data-id=\"tab-tb_t9af633-1\" class=\"tab-content tf_clear\" aria-hidden=\"true\">\n                            <div class=\"tb_text_wrap\">\n                    <p>La retraite est un sujet \u00e9pineux en France. Au cours des derni\u00e8res d\u00e9cennies, les gouvernements se succ\u00e9dant, n&#8217;ont pas \u00e9t\u00e9 en mesure de r\u00e9former correctement le syst\u00e8me. Par cons\u00e9quent, il est indispensable de se cr\u00e9er une solution de retraite suppl\u00e9mentaire individuelle.<\/p>\n<p>Pr\u00e9parer activement sa retraite peut se faire en utilisant une ou plusieurs solutions financi\u00e8res (et\/ou immobili\u00e8res). Le choix d&#8217;un contrat retraite compl\u00e9mentaire est une t\u00e2che tr\u00e8s difficile car, d&#8217;innombrables param\u00e8tres peuvent transformer l&#8217;\u00e9pargne d&#8217;une vie en une d\u00e9ception catastrophique pour les revenus ! Quelques unes des questions \u00e0 se poser :<\/p>\n<ul>\n<li>Quel type de contrat auquel recourir ?<\/li>\n<li>Quelles compagnies privil\u00e9gier ?<\/li>\n<li>Y-a t&#8217;il une table de mortalit\u00e9 garantie \u00e0 la signature ?<\/li>\n<li>Quelles sont les options de rentes ?<\/li>\n<li>Quelle fiscalit\u00e9 \u00e0 la sortie ?<\/li>\n<li>Quels fonds de placements choisir ?<\/li>\n<li>Qui pilote ou g\u00e8re mon \u00e9pargne ?<\/li>\n<li>Quels frais p\u00e8sent sur le contrat ?<\/li>\n<li>Et tellement d&#8217;autres questions \u00e0 \u00e9luder&#8230;<\/li>\n<\/ul>\n<p>CONSEIL : si les conditions g\u00e9n\u00e9rales sont le meilleur indicateur pour d\u00e9terminer si le contrat est de bonne qualit\u00e9, le contexte \u00e9tant tellement vaste, qu&#8217;il est indispensable de s&#8217;adresser \u00e0 un conseiller ind\u00e9pendant, sp\u00e9cialiste de la protection sociale compl\u00e9mentaire pour choisir, transf\u00e9rer ou adapter efficacement l&#8217;ing\u00e9nierie de solutions retraite.<\/p>                <\/div>\n                    <\/div>\n            <div data-id=\"tab-tb_t9af633-2\" class=\"tab-content tf_clear\" aria-hidden=\"true\">\n                            <div class=\"tb_text_wrap\">\n                    <p>PERin Madelin et particulier, PEI\/PERECOI, PERob\u00a0<\/p>                <\/div>\n                    <\/div>\n    <\/div>\n<!-- \/module tab -->\n        <\/div>\n                    <\/div>\n                <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"7nob979\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth tb_7nob979 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_2 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col4-2 tb_3ljm981 first\">\n                            <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_qu44462\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_k7tl463 first\">\n                    <!-- module image -->\n<div  class=\"module module-image tb_jh2j986 image-full-overlay   auto_fullwidth tf_mw wow\" data-tf-animation=\"fadeInLeft\" data-lazy=\"1\">\n        <div class=\"image-wrap tf_rel tf_mw\">\n            <img loading=\"lazy\" decoding=\"async\" src=\"http:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2018\/08\/pexels-photo-323780.jpg\" width=\"1086\" height=\"700\" title=\"ASSURANCE EMPRUNTEUR\" alt=\"ASSURANCE EMPRUNTEUR\">    \n        <\/div>\n    <!-- \/image-wrap -->\n    \n        <div class=\"image-content tf_overflow\">\n                    <h3 class=\"image-title\">\n                                    ASSURANCE EMPRUNTEUR                            <\/h3>\n                    <\/div>\n    <!-- \/image-content -->\n        <\/div>\n<!-- \/module image -->        <\/div>\n                    <\/div>\n                <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_gu6f107\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_wpk7108 first\">\n                    <!-- module tab -->\n<div  id=\"tb_ghns985\" class=\"module ui module-tab tb_ghns985 tab-frame shadow transparent \" data-lazy=\"1\">\n        <div class=\"tab-nav-current-active tf_hide\">\n        <span class=\"tab_burger_icon tf_rel\"><\/span>\n        <span class=\"tb_tab_title\">D\u00e9finitions<\/span>\n    <\/div>\n    <ul class=\"tab-nav tf_clearfix tf_scrollbar\">\n                <li class=\"current\" aria-expanded=\"true\">\n            <a href=\"#tab-tb_ghns985-0\">\n                                <span>D\u00e9finitions<\/span>                                            <\/a>\n        <\/li>\n                <li aria-expanded=\"false\">\n            <a href=\"#tab-tb_ghns985-1\">\n                                <span>Contexte<\/span>                                            <\/a>\n        <\/li>\n                <li aria-expanded=\"false\">\n            <a href=\"#tab-tb_ghns985-2\">\n                                <span>Solutions<\/span>                                            <\/a>\n        <\/li>\n            <\/ul>\n            <div data-id=\"tab-tb_ghns985-0\" class=\"tab-content tf_clear\" aria-hidden=\"false\">\n                            <div class=\"tb_text_wrap\">\n                    <p>Contrats d\u2019assurance dispensant, suite \u00e0 un al\u00e9a\u00a0(maladie ou accident) \u00e0 cons\u00e9quences plus ou moins graves (incapacit\u00e9, invalidit\u00e9, perte d&#8217;autonomie ou d\u00e9c\u00e8s), l&#8217;assur\u00e9 et ses proches, du remboursement temporaire ou d\u00e9finitif de l&#8217;emprunt.<\/p>\n<p>L&#8217;assurance emprunteur est tr\u00e8s similaire au contrat pr\u00e9voyance, mais n&#8217;est destin\u00e9e qu&#8217;\u00e0 rembourser partiellement ou totalement le capital restant d\u00fb \u00e0 l&#8217;organisme pr\u00eateur.<\/p>                <\/div>\n                    <\/div>\n            <div data-id=\"tab-tb_ghns985-1\" class=\"tab-content tf_clear\" aria-hidden=\"true\">\n                            <div class=\"tb_text_wrap\">\n                    <p>Contrat rendu obligatoire par les \u00e9tablissements de cr\u00e9dit, pour des raisons \u00e9videntes&#8230; L&#8217;emprunteur est souvent contraint de souscrire le contrat vendu par la banque. Depuis quelques ann\u00e9es, les diverses lois successives tentent de &#8220;lib\u00e9raliser&#8221; ce march\u00e9 (&#8220;Lagarde&#8221;, &#8220;Hamon&#8221; ou &#8220;Bourquin&#8221;). Il peut dor\u00e9navant \u00eatre souscrit aupr\u00e8s de l&#8217;assureur de votre choix, avec le niveau de garanties ad\u00e9quates et au bon tarif (\u00e0 condition de respecter des minima de garanties impos\u00e9es). Mais malgr\u00e9 cette lib\u00e9ralisation, beaucoup de banques continuent d&#8217;imposer leur contrat groupe.<\/p>\n<p>L&#8217;assurance emprunteur, pourtant rarement consid\u00e9r\u00e9e comme telle,\u00a0 est partie int\u00e9grante d&#8217;une protection sociale compl\u00e9mentaire bien structur\u00e9e. La dense concurrence de ce march\u00e9, contraint les compagnies d&#8217;assurance \u00e0 rivaliser d&#8217;initiatives en am\u00e9liorant les garanties ou proposant des tarifs toujours plus comp\u00e9titifs. Ainsi confier l&#8217;analyse de ce contrat\u00a0 \u00e0 un conseiller ind\u00e9pendant en protection sociale compl\u00e9mentaire, permettra d&#8217;harmoniser toute la strat\u00e9gie globale et obtenir la meilleure couverture au\u00a0 meilleur prix.<\/p>\n<p>Il est erron\u00e9 de penser que tous les contrats se valent et que seul le tarif peut les d\u00e9partager.\u00a0Comme tous contrats, les d\u00e9finitions des conditions g\u00e9n\u00e9rales, sont \u00e0 analyser m\u00e9ticuleusement.<\/p>                <\/div>\n                    <\/div>\n            <div data-id=\"tab-tb_ghns985-2\" class=\"tab-content tf_clear\" aria-hidden=\"true\">\n                            <div class=\"tb_text_wrap\">\n                    <p>Loi Hamon, Loi Bourquin<br \/>Pr\u00eat immobilier, rachat de patient\u00e8le ou d&#8217;entreprise, regroupement de cr\u00e9dit, travaux, etc&#8230;<\/p>                <\/div>\n                    <\/div>\n    <\/div>\n<!-- \/module tab -->\n        <\/div>\n                    <\/div>\n                <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col4-2 tb_9zbb983 last\">\n                            <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_qyne506\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_i6t2506 first\">\n                    <!-- module image -->\n<div  class=\"module module-image tb_emqx720 image-full-overlay   auto_fullwidth tf_mw wow\" data-tf-animation=\"fadeInRight\" data-lazy=\"1\">\n        <div class=\"image-wrap tf_rel tf_mw\">\n            <img loading=\"lazy\" decoding=\"async\" width=\"1086\" height=\"700\" src=\"https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2019\/11\/medical-appointment-doctor-healthcare-40568.jpg\" class=\"wp-post-image wp-image-2762\" title=\"COMPLEMENTAIRE SANTE\" alt=\"COMPLEMENTAIRE SANTE\" srcset=\"https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2019\/11\/medical-appointment-doctor-healthcare-40568.jpg 1086w, https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2019\/11\/medical-appointment-doctor-healthcare-40568-300x193.jpg 300w, https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2019\/11\/medical-appointment-doctor-healthcare-40568-1024x660.jpg 1024w, https:\/\/heavenassurances.com\/ha\/wp-content\/uploads\/2019\/11\/medical-appointment-doctor-healthcare-40568-768x495.jpg 768w\" sizes=\"auto, (max-width: 1086px) 100vw, 1086px\" \/>    \n        <\/div>\n    <!-- \/image-wrap -->\n    \n        <div class=\"image-content tf_overflow\">\n                    <h3 class=\"image-title\">\n                                    COMPLEMENTAIRE SANTE                            <\/h3>\n                    <\/div>\n    <!-- \/image-content -->\n        <\/div>\n<!-- \/module image -->        <\/div>\n                    <\/div>\n                <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_sqwv97\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_97kj98 first\">\n                    <!-- module tab -->\n<div  id=\"tb_1e8d987\" class=\"module ui module-tab tb_1e8d987 minimal rounded gradient glossy embossed shadow transparent \" data-lazy=\"1\">\n        <div class=\"tab-nav-current-active tf_hide\">\n        <span class=\"tab_burger_icon tf_rel\"><\/span>\n        <span class=\"tb_tab_title\">D\u00e9finitions<\/span>\n    <\/div>\n    <ul class=\"tab-nav tf_clearfix tf_scrollbar\">\n                <li class=\"current\" aria-expanded=\"true\">\n            <a href=\"#tab-tb_1e8d987-0\">\n                                <span>D\u00e9finitions<\/span>                                            <\/a>\n        <\/li>\n                <li aria-expanded=\"false\">\n            <a href=\"#tab-tb_1e8d987-1\">\n                                <span>Contexte<\/span>                                            <\/a>\n        <\/li>\n                <li aria-expanded=\"false\">\n            <a href=\"#tab-tb_1e8d987-2\">\n                                <span>Pr\u00e9cisions<\/span>                                            <\/a>\n        <\/li>\n            <\/ul>\n            <div data-id=\"tab-tb_1e8d987-0\" class=\"tab-content tf_clear\" aria-hidden=\"false\">\n                            <div class=\"tb_text_wrap\">\n                    <p>Contrat permettant \u00e0 l&#8217;assur\u00e9 de compl\u00e9ter les remboursements du r\u00e9gime obligatoire (S\u00e9curit\u00e9 Sociale, RAM, MSA&#8230;), \u00e0 minima du ticket mod\u00e9rateur et jusqu&#8217;\u00e0 l&#8217;int\u00e9gralit\u00e9 des d\u00e9passements engag\u00e9s.<\/p>                <\/div>\n                    <\/div>\n            <div data-id=\"tab-tb_1e8d987-1\" class=\"tab-content tf_clear\" aria-hidden=\"true\">\n                            <div class=\"tb_text_wrap\">\n                    <p>L&#8217;assurance universelle qu&#8217;est la S\u00e9curit\u00e9 Sociale, ne suffit pas \u00e0 couvrir l&#8217;int\u00e9gralit\u00e9 des d\u00e9penses financi\u00e8res occasionn\u00e9es lors de soins de sant\u00e9. Pour pallier \u00e0 cela, depuis plusieurs d\u00e9cennies, les assureurs, mutuelles, institutionnels de pr\u00e9voyance ou courtiers grossistes proposent des contrats permettant de couvrir le reste \u00e0 charge de mani\u00e8re plus ou moins efficace.<\/p>\n<p>De nombreux outils le facilitant sont devenus indissociables de ce contrat :<\/p>\n<ul>\n<li>La carte de tiers payant, permet de ne pas faire d&#8217;avance de frais chez certains professionnels de sant\u00e9 (pharmacies, laboratoires ou r\u00e9seaux mutualistes)<\/li>\n<li>La t\u00e9l\u00e9transmission permet la liaison entre la compl\u00e9mentaire sant\u00e9 et la caisse d&#8217;assurance maladie et simplifie les formalit\u00e9s administratives.\u00a0<\/li>\n<\/ul>\n<p>La compl\u00e9mentaire sant\u00e9 a b\u00e9n\u00e9fici\u00e9 ou subi de nombreuses modifications au cours des 20 derni\u00e8res ann\u00e9es : suppression du questionnaire m\u00e9dical \u00e0 l&#8217;entr\u00e9e, du d\u00e9lai d&#8217;attente, ajout de plusieurs taxes et bien d&#8217;autres modifications&#8230;Mais ces 5 derni\u00e8res ann\u00e9es, de gros changements sont apparus :<\/p>\n<ul>\n<li>l&#8217;entr\u00e9e en vigueur de la mutuelle sant\u00e9 obligatoire dans toutes les entreprises priv\u00e9es,<\/li>\n<li>l&#8217;Option de Pratique Tarifaire Maitris\u00e9 (OPTAM),<\/li>\n<li>l&#8217;encadrement de l&#8217;Aide \u00e0 la Compl\u00e9mentaire Sant\u00e9 (ACS),<\/li>\n<li>le Z\u00e9ro Reste A Charge (100% sant\u00e9),<\/li>\n<li>et encore bien d&#8217;autres&#8230;<\/li>\n<\/ul>\n<p>Il existe plus de 400 contrats de compl\u00e9mentaire sant\u00e9 sur le march\u00e9 et les diff\u00e9rences de tarifs et de garanties sont abyssales ! Difficile, pour un non initi\u00e9, de s&#8217;y retrouver&#8230; Choisir et consommer sa mutuelle sant\u00e9 n\u00e9cessitent les conseils de sp\u00e9cialistes, afin d&#8217;avoir le contrat au meilleur rapport garanties\/prix.<\/p>                <\/div>\n                    <\/div>\n            <div data-id=\"tab-tb_1e8d987-2\" class=\"tab-content tf_clear\" aria-hidden=\"true\">\n                            <div class=\"tb_text_wrap\">\n                    <p>Nous sommes sp\u00e9cialis\u00e9s pour les TNS et les entreprises<\/p>                <\/div>\n                    <\/div>\n    <\/div>\n<!-- \/module tab -->\n        <\/div>\n                    <\/div>\n                <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"tc7h279\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth tb_tc7h279 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_3 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col3-1 tb_ue97280 first\">\n                            <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col3-1 tb_jqq0282\">\n                            <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_k5hl191\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_u7s6193 first\">\n                            <\/div>\n                    <\/div>\n                <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_llfm377\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_p1q8377 first\">\n                            <\/div>\n                    <\/div>\n                <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column tb-column col3-1 tb_9z6a283 last\">\n                            <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-css_id=\"7p5r362\" data-lazy=\"1\" class=\"module_row themify_builder_row fullwidth tb_7p5r362 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_5q6e363 first\">\n                            <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_5 tb_1ktc21\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_egkm22 first\">\n                            <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_zgw723\">\n                            <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_vhy224\">\n                            <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_9cvb24\">\n                            <\/div>\n                    <div  data-lazy=\"1\" class=\"module_column sub_column col5-1 tb_1wlv25 last\">\n                            <\/div>\n                    <\/div>\n                <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row our-services tb_e7fcbe9 tf_w\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_5ab4fa2 first\">\n                            <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_e96960b tf_w hide-desktop hide-tablet hide-tablet_landscape hide-mobile\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_c57a967 first\">\n                            <\/div>\n                        <\/div>\n        <\/div>\n                        <div  data-lazy=\"1\" class=\"module_row themify_builder_row tb_7d672cf tf_w hide-desktop hide-tablet hide-tablet_landscape hide-mobile\">\n                        <div class=\"row_inner col_align_top tb_col_count_1 tf_box tf_rel\">\n                        <div  data-lazy=\"1\" class=\"module_column tb-column col-full tb_a01ec3c first\">\n                    <!-- module text -->\n<div  class=\"module module-text tb_d7c5201  repeat  wow\" data-tf-animation=\"fadeInUp\" data-lazy=\"1\">\n        <div  class=\"tb_text_wrap\">\n        <h1><span style=\"color: #000000;\"><strong>Actualit\u00e9s<\/strong><\/span><\/h1>\n<hr \/>    <\/div>\n<\/div>\n<!-- \/module text -->        <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_3uly140\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_raak141 first\">\n                            <\/div>\n                    <\/div>\n                <div  data-lazy=\"1\" class=\"module_subrow themify_builder_sub_row tf_w col_align_top tb_col_count_1 tb_pywa246\">\n                <div  data-lazy=\"1\" class=\"module_column sub_column col-full tb_3llo828 first\">\n                            <\/div>\n                    <\/div>\n        <!-- module post -->\n<div  class=\"module module-post tb_6eff9ca  wow\" data-tf-animation=\"fadeInUp\">\n    <div  class=\"builder-posts-wrap loops-wrapper list-post classic tf_clear tf_clearfix\" data-lazy=\"1\">\n    <article id=\"post-3033\" class=\"post tf_clearfix post-3033 type-post status-publish format-standard post-password-required hentry category-news has-post-title has-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t    \n\t\t<div class=\"post-content\">\n\t\t<div class=\"post-content-inner\">\n\n\t\t\t\t\t\t\t\t<div class=\"post-date-wrap post-date-inline\">\n\t\t<time class=\"post-date entry-date updated\" datetime=\"2024-09-16\">\n\t\t\t\t\t<span class=\"year\">16 septembre 2024<\/span>\n\t\t\t\t<\/time>\n\t<\/div><!-- .post-date-wrap -->\n\t\t\t\t\n\t\t\t<h2 class=\"post-title entry-title\"><a href=\"https:\/\/heavenassurances.com\/ha\/gpaa\/\">Prot\u00e9g\u00e9\u00a0: Modification des garanties pr\u00e9voyances Abeille Assurances<\/a><\/h2>\n\t\t\t\n\t\t\t\n\t\t\t        <div class=\"entry-content\">\n\n        \n            <p>Il n\u2019y a pas d\u2019extrait, car cette publication est prot\u00e9g\u00e9e.<\/p>\n\n                \n            \n        <\/div><!-- \/.entry-content -->\n        \n\t\t<\/div>\n\t\t<!-- \/.post-content-inner -->\n\t<\/div>\n\t<!-- \/.post-content -->\n\t\n<\/article>\n<!-- \/.post -->\n<article id=\"post-3002\" class=\"post tf_clearfix post-3002 type-post status-publish format-standard post-password-required hentry category-news has-post-title has-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t    \n\t\t<div class=\"post-content\">\n\t\t<div class=\"post-content-inner\">\n\n\t\t\t\t\t\t\t\t<div class=\"post-date-wrap post-date-inline\">\n\t\t<time class=\"post-date entry-date updated\" datetime=\"2024-07-05\">\n\t\t\t\t\t<span class=\"year\">5 juillet 2024<\/span>\n\t\t\t\t<\/time>\n\t<\/div><!-- .post-date-wrap -->\n\t\t\t\t\n\t\t\t<h2 class=\"post-title entry-title\"><a href=\"https:\/\/heavenassurances.com\/ha\/cg-sl\/\">Prot\u00e9g\u00e9\u00a0: Nouvelles conditions G\u00e9n\u00e9rales de SwissLife<\/a><\/h2>\n\t\t\t\n\t\t\t\n\t\t\t        <div class=\"entry-content\">\n\n        \n            <p>Il n\u2019y a pas d\u2019extrait, car cette publication est prot\u00e9g\u00e9e.<\/p>\n\n                \n            \n        <\/div><!-- \/.entry-content -->\n        \n\t\t<\/div>\n\t\t<!-- \/.post-content-inner -->\n\t<\/div>\n\t<!-- \/.post-content -->\n\t\n<\/article>\n<!-- \/.post -->\n<article id=\"post-2877\" class=\"post tf_clearfix post-2877 type-post status-publish format-standard hentry category-sante has-post-title has-post-date has-post-category has-post-tag has-post-comment has-post-author \">\n\t    \n\t\t<div class=\"post-content\">\n\t\t<div class=\"post-content-inner\">\n\n\t\t\t\t\t\t\t\t<div class=\"post-date-wrap post-date-inline\">\n\t\t<time class=\"post-date entry-date updated\" datetime=\"2020-04-29\">\n\t\t\t\t\t<span class=\"year\">29 avril 2020<\/span>\n\t\t\t\t<\/time>\n\t<\/div><!-- .post-date-wrap -->\n\t\t\t\t\n\t\t\t<h2 class=\"post-title entry-title\"><a href=\"https:\/\/heavenassurances.com\/ha\/lassurance-volontaire-accidents-du-travail-et-maladies-professionnelles-at-mp\/\">L&#8217;assurance volontaire &#8220;Accidents du travail et maladies professionnelles&#8221; (AT\/MP)<\/a><\/h2>\n\t\t\t\n\t\t\t\n\t\t\t        <div class=\"entry-content\">\n\n        \n            <p>Ch\u00e8res Clientes, Chers Clients, Nous esp\u00e9rons que vous vous portez bien, ainsi que vos proches, et que vous parvenez \u00e0 traverser cette p\u00e9riode de crise aussi bien que possible. Comme vous le savez, nous prenons tr\u00e8s \u00e0 coeur notre r\u00f4le de conseil et veillons quotidiennement \u00e0 vous transmettre les bonnes informations, malgr\u00e9 les incertitudes qui [&hellip;]<\/p>\n\n                \n            \n        <\/div><!-- \/.entry-content -->\n        \n\t\t<\/div>\n\t\t<!-- \/.post-content-inner -->\n\t<\/div>\n\t<!-- \/.post-content -->\n\t\n<\/article>\n<!-- \/.post -->\n    <\/div><!-- .builder-posts-wrap -->\n            <\/div>\n<!-- \/module post -->\n            <\/div>\n                        <\/div>\n        <\/div>\n        <\/div>\n<!--\/themify_builder_content-->","protected":false},"excerpt":{"rendered":"<p>Demander un rendez-vous COURTIER D&#8217;ASSURANCES INDEPENDANT sp\u00e9cialiste de l&#8217;assurance de personne \u00a0 \u00a0 NOS SAVOIR-FAIRE PREVOYANCE D\u00e9finitions Contrat d\u2019assurance permettant de prot\u00e9ger l&#8217;assur\u00e9 et ses proches, contre la perte financi\u00e8re due \u00e0 un al\u00e9a (maladie ou accident), entrainant des cons\u00e9quences plus ou moins graves (incapacit\u00e9, invalidit\u00e9, perte d&#8217;autonomie ou d\u00e9c\u00e8s). Contexte C&#8217;est un contrat facultatif, [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1092","page","type-page","status-publish","hentry","has-post-title","has-post-date","has-post-category","has-post-tag","has-post-comment","has-post-author",""],"_links":{"self":[{"href":"https:\/\/heavenassurances.com\/ha\/wp-json\/wp\/v2\/pages\/1092","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/heavenassurances.com\/ha\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/heavenassurances.com\/ha\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/heavenassurances.com\/ha\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/heavenassurances.com\/ha\/wp-json\/wp\/v2\/comments?post=1092"}],"version-history":[{"count":193,"href":"https:\/\/heavenassurances.com\/ha\/wp-json\/wp\/v2\/pages\/1092\/revisions"}],"predecessor-version":[{"id":2988,"href":"https:\/\/heavenassurances.com\/ha\/wp-json\/wp\/v2\/pages\/1092\/revisions\/2988"}],"wp:attachment":[{"href":"https:\/\/heavenassurances.com\/ha\/wp-json\/wp\/v2\/media?parent=1092"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}