{"id":12960,"date":"2024-02-15T15:15:21","date_gmt":"2024-02-15T20:15:21","guid":{"rendered":"https:\/\/twinn.ca\/?p=12960"},"modified":"2025-04-03T09:36:27","modified_gmt":"2025-04-03T14:36:27","slug":"entreprise-gaspille-argent","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/entreprise-gaspille-argent\/","title":{"rendered":"L\u2019impact de la pand\u00e9mie sur l\u2019assurance collective : un mod\u00e8le \u00e0 repenser"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Les experts affirment que la pand\u00e9mie a acc\u00e9l\u00e9r\u00e9 le commerce \u00e9lectronique de cinq ans. Cependant, peu de discussions portent sur son impact sur l\u2019industrie de l\u2019assurance collective.  <\/p>\n\n<p class=\"wp-block-paragraph\">Un an apr\u00e8s le d\u00e9but de la COVID-19, de nombreuses entreprises revoient enfin leur r\u00e9gime d\u2019assurance collective. L\u2019ann\u00e9e derni\u00e8re, la plupart d\u2019entre elles h\u00e9sitaient \u00e0 apporter des changements, petits ou grands, en raison de l\u2019incertitude li\u00e9e \u00e0 la pand\u00e9mie. Maintenant que l\u2019adaptation \u00e0 la \u00ab nouvelle normalit\u00e9 \u00bb est en place, elles reprennent leurs activit\u00e9s sous une forme diff\u00e9rente, mais bien r\u00e9elle.  <\/p>\n\n<p class=\"wp-block-paragraph\"><strong>Des augmentations de primes malgr\u00e9 une diminution des r\u00e9clamations<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">De nombreuses entreprises nous ont contact\u00e9s apr\u00e8s avoir re\u00e7u des augmentations de leurs primes d\u2019assurance collective, malgr\u00e9 une nette baisse des r\u00e9clamations en soins de sant\u00e9 et en soins dentaires en 2020. Cette situation soul\u00e8ve une question importante : les ajustements tarifaires effectu\u00e9s par les assureurs refl\u00e8tent-ils r\u00e9ellement l\u2019exp\u00e9rience des entreprises en mati\u00e8re de sinistres ? <br\/>Notre analyse d\u00e9montre que, m\u00eame dans un contexte o\u00f9 les r\u00e9clamations ont \u00e9t\u00e9 r\u00e9duites pendant une grande partie de l\u2019ann\u00e9e 2020, les taux propos\u00e9s par les assureurs sont rest\u00e9s stables ou ont augment\u00e9. Cette tendance met en lumi\u00e8re un probl\u00e8me fondamental du mod\u00e8le traditionnel d\u2019assurance collective. <\/p>\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5422_41dd2e-46, .wp-block-kadence-advancedheading.kt-adv-heading5422_41dd2e-46[data-kb-block=\"kb-adv-heading5422_41dd2e-46\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5422_41dd2e-46 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5422_41dd2e-46[data-kb-block=\"kb-adv-heading5422_41dd2e-46\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5422_41dd2e-46 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5422_41dd2e-46[data-kb-block=\"kb-adv-heading5422_41dd2e-46\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5422_41dd2e-46 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5422_41dd2e-46\"><strong>Le mod\u00e8le traditionnel d\u2019assurance collective est d\u00e9pass\u00e9<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Si votre entreprise fait face \u00e0 une hausse des primes, cela signifie probablement que vous \u00eates dans un mod\u00e8le d\u2019assurance qui ne correspond plus \u00e0 vos besoins. Le mod\u00e8le traditionnel, bas\u00e9 sur une mise en march\u00e9 p\u00e9riodique et des ajustements de taux successifs par les assureurs, ne r\u00e9pond plus aux r\u00e9alit\u00e9s actuelles des entreprises. <\/p>\n\n<p class=\"wp-block-paragraph\">Une alternative plus avantageuse pour les entreprises de plus de 30 employ\u00e9s est le <strong>mod\u00e8le hybride auto-assur\u00e9<\/strong>. Ce type de r\u00e9gime permet une plus grande flexibilit\u00e9 et un meilleur contr\u00f4le des co\u00fbts, tout en offrant une protection ad\u00e9quate aux employ\u00e9s. <\/p>\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5422_a3aed4-98, .wp-block-kadence-advancedheading.kt-adv-heading5422_a3aed4-98[data-kb-block=\"kb-adv-heading5422_a3aed4-98\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5422_a3aed4-98 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5422_a3aed4-98[data-kb-block=\"kb-adv-heading5422_a3aed4-98\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5422_a3aed4-98 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5422_a3aed4-98[data-kb-block=\"kb-adv-heading5422_a3aed4-98\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5422_a3aed4-98 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5422_a3aed4-98\"><strong>Repensez votre approche en assurance collective<\/strong><\/p>\n\n<p class=\"wp-block-paragraph\">Aujourd\u2019hui plus que jamais, les entreprises doivent r\u00e9\u00e9valuer leurs r\u00e9gimes d\u2019assurance collective et explorer des solutions qui correspondent mieux aux r\u00e9alit\u00e9s d\u2019aujourd\u2019hui. Une approche proactive peut aider \u00e0 optimiser les co\u00fbts tout en garantissant que les employ\u00e9s b\u00e9n\u00e9ficient d\u2019une couverture significative. <\/p>\n\n<p class=\"wp-block-paragraph\">Si vous cherchez de meilleures options ou si vous voulez simplement comprendre ce qui est possible, parler \u00e0 un expert en assurance collective pourrait changer la donne pour votre entreprise.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Les experts affirment que la pand\u00e9mie a acc\u00e9l\u00e9r\u00e9 le commerce \u00e9lectronique de cinq ans. Cependant, peu de discussions portent sur&#8230;<\/p>\n","protected":false},"author":15,"featured_media":12874,"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-12960","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\/is-your-company-throwing-money-away-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\/12960","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=12960"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/12960\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/12874"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=12960"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=12960"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=12960"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=12960"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}