{"id":12942,"date":"2024-02-15T13:48:43","date_gmt":"2024-02-15T18:48:43","guid":{"rendered":"https:\/\/twinn.ca\/?p=12942"},"modified":"2025-03-18T20:06:21","modified_gmt":"2025-03-19T01:06:21","slug":"cout-regime-assurance","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/cout-regime-assurance\/","title":{"rendered":"Comprendre le co\u00fbt de votre r\u00e9gime d\u2019assurance collective"},"content":{"rendered":"<p>Un r\u00e9gime de soins de sant\u00e9 est divis\u00e9 en deux parties :<\/p>\n<p><strong>1. Prestations assur\u00e9es, qui repr\u00e9sentent en moyenne\u00a020 %\u00a0de vos primes.<\/strong><\/p>\n<p>Celles-ci sont d\u00e9termin\u00e9es en fonction de plusieurs facteurs, notamment\u00a0le sexe, l\u2019\u00e2ge, le salaire et la profession. Elles comprennent :<\/p>\n<ul>\n<li>Assurance vie<\/li>\n<li>Invalidit\u00e9 de longue dur\u00e9e<\/li>\n<li>Assurance sant\u00e9 voyage<\/li>\n<li>D\u00e9c\u00e8s et mutilation accidentels<\/li>\n<li>Stop Loss<\/li>\n<\/ul>\n<p>Ces garanties sont couvertes par les compagnies d\u2019assurance dans les\u00a0mod\u00e8les traditionnels\u00a0et les\u00a0mod\u00e8les auto-assur\u00e9s. Il s\u2019agit d\u2019une v\u00e9ritable assurance, car les risques sont \u00e9lev\u00e9s.<\/p>\n<p><strong>2. Prestations \u00e9valu\u00e9es en fonction de l\u2019exp\u00e9rience, qui repr\u00e9sentent en moyenne\u00a080 %\u00a0de vos primes.<\/strong><\/p>\n<p>Celles-ci sont uniquement bas\u00e9es sur\u00a0l\u2019exp\u00e9rience du groupe, d\u2019o\u00f9 leur nom. Elles comprennent :<\/p>\n<ul>\n<li>Co\u00fbts des m\u00e9dicaments (y compris les m\u00e9dicaments sur ordonnance et les services param\u00e9dicaux)<\/li>\n<li>Soins dentaires<\/li>\n<li>Invalidit\u00e9 de courte dur\u00e9e<\/li>\n<li>Soins de la vue<\/li>\n<\/ul>\n<p><strong>Mod\u00e8le traditionnel<\/strong><\/p>\n<p>Vous payez une prime annuelle \u00e0 une compagnie d\u2019assurance pour vos\u00a0prestations \u00e9valu\u00e9es par l\u2019exp\u00e9rience.<\/p>\n<ul>\n<li>Si vos demandes de r\u00e8glement sont\u00a0<strong>PLUS \u00c9LEV\u00c9ES<\/strong>\u00a0que vos primes annuelles \u2192\u00a0<strong>AUGMENTATION IMPORTANTE<\/strong>.<\/li>\n<li>Si vos demandes de r\u00e8glement sont\u00a0<strong>INF\u00c9RIEURES<\/strong>\u00a0\u00e0 vos primes annuelles \u2192\u00a0<strong>PETITE AUGMENTATION<\/strong>.<\/li>\n<\/ul>\n<p><strong>Mod\u00e8le auto-assur\u00e9<\/strong><\/p>\n<p>Selon vos\u00a0prestations \u00e9valu\u00e9es par l\u2019exp\u00e9rience\u00a0de l\u2019ann\u00e9e pr\u00e9c\u00e9dente, vous \u00e9tablissez un\u00a0budget\u00a0comme primes annuelles.<\/p>\n<ul>\n<li>Si vos demandes de r\u00e8glement sont\u00a0<strong>SUP\u00c9RIEURES<\/strong>\u00a0\u00e0 vos primes annuelles \u2192\u00a0<strong>AJUSTER LES TAUX<\/strong>.<\/li>\n<li>Si vos demandes de r\u00e8glement sont\u00a0<strong>INF\u00c9RIEURES<\/strong>\u00a0\u00e0 vos primes annuelles \u2192\u00a0<strong>R\u00c9DUIRE LES TAUX<\/strong>\u00a0ou\u00a0<strong>AJOUTER DES PRESTATIONS SUPPL\u00c9MENTAIRES<\/strong>.<\/li>\n<\/ul>\n<p>Dans les deux mod\u00e8les, un\u00a0<strong>STOP LOSS\u00a0<\/strong>(r\u00e9assurance)\u00a0est mis en place pour se prot\u00e9ger des sinistres \u00e9lev\u00e9s.<\/p>\n<p>Dans le mod\u00e8le auto-assur\u00e9, les\u00a0frais administratifs sont consid\u00e9rablement moins \u00e9lev\u00e9s\u00a0que dans le mod\u00e8le traditionnel.<br \/>\nUn mod\u00e8le auto-assur\u00e9 administr\u00e9 par le bon canal\u00a0ne n\u00e9cessite pas plus de travail administratif\u00a0que le mod\u00e8le traditionnel.<br \/>\nLe\u00a0mod\u00e8le auto-assur\u00e9 permet aux entreprises de prendre le contr\u00f4le de leurs r\u00e9gimes\u00a0et de ne plus jamais avoir \u00e0 changer d\u2019assureur.<\/p>\n<p><strong>Inscrivez-vous \u00e0 notre \u00e9v\u00e9nement !<\/strong><\/p>\n<p>Pour en savoir plus sur le mod\u00e8le auto-assur\u00e9, joignez-vous \u00e0 nous lors de notre d\u00eener d\u2019apprentissage le 2 mai 2019 au restaurant Graziella.<\/p>\n<p>Les\u00a0places sont limit\u00e9es, inscrivez-vous d\u00e8s maintenant !<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un r\u00e9gime de soins de sant\u00e9 est divis\u00e9 en deux parties : 1. Prestations assur\u00e9es, qui repr\u00e9sentent en moyenne\u00a020 %\u00a0de&#8230;<\/p>\n","protected":false},"author":15,"featured_media":12877,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_gspb_post_css":"","_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[92,93],"tags":[],"post_folder":[],"class_list":["post-12942","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-garanties-collectives","category-soins-de-sante-virtuels"],"acf":[],"taxonomy_info":{"category":[{"value":92,"label":"Garanties collectives"},{"value":93,"label":"Soins de sant\u00e9 virtuels"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2024\/02\/understanding-the-cost-of-your-group-insurance-plan-1024x683.webp",1024,683,true],"author_info":{"display_name":"Rafat Haque","author_link":"https:\/\/twinn.ca\/fr\/author\/rafat-haque\/"},"comment_info":0,"category_info":[{"term_id":92,"name":"Garanties collectives","slug":"garanties-collectives","term_group":0,"term_taxonomy_id":92,"taxonomy":"category","description":"","parent":0,"count":9,"filter":"raw","cat_ID":92,"category_count":9,"category_description":"","cat_name":"Garanties collectives","category_nicename":"garanties-collectives","category_parent":0},{"term_id":93,"name":"Soins de sant\u00e9 virtuels","slug":"soins-de-sante-virtuels","term_group":0,"term_taxonomy_id":93,"taxonomy":"category","description":"","parent":0,"count":9,"filter":"raw","cat_ID":93,"category_count":9,"category_description":"","cat_name":"Soins de sant\u00e9 virtuels","category_nicename":"soins-de-sante-virtuels","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/12942","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/comments?post=12942"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/12942\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/12877"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=12942"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=12942"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=12942"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=12942"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}