{"id":13779,"date":"2025-05-13T17:59:14","date_gmt":"2025-05-13T22:59:14","guid":{"rendered":"https:\/\/twinn.ca\/?p=13779"},"modified":"2025-10-12T23:11:23","modified_gmt":"2025-10-13T04:11:23","slug":"types-assurance-collective","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/types-assurance-collective\/","title":{"rendered":"Types d\u2019assurance collectives pour les entreprises au Canada"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\" style=\"border-top-color:#ffffff05;border-top-width:30px\">Un salaire comp\u00e9titif attire les talents, mais c\u2019est votre programme d\u2019avantages sociaux qui les incite \u00e0 rester. Et au c\u0153ur de tout bon r\u00e9gime d\u2019avantages au Canada\u202f? L\u2019assurance collective. L\u2019assurance collective va au-del\u00e0 de la couverture de base en comblant les lacunes du r\u00e9gime public de sant\u00e9 et en offrant aux employ\u00e9s la protection financi\u00e8re et le soutien dont ils ont besoin pour rester en sant\u00e9, concentr\u00e9s et fid\u00e8les. Dans ce guide, on vous pr\u00e9sente les types d\u2019assurance groupe les plus courants, leur fonctionnement et pourquoi ils valent vraiment l\u2019investissement. Que vous soyez en train de b\u00e2tir un nouveau r\u00e9gime ou d\u2019optimiser un programme existant, vous y verrez plus clair pour offrir un plan solide \u00e0 votre \u00e9quipe.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13779_4ce80f-f2{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13779_4ce80f-f2 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13779_4ce80f-f2 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13779_4ce80f-f2 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-right:var(--global-kb-spacing-lg, 3rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);padding-left:var(--global-kb-spacing-lg, 3rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id13779_4ce80f-f2{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id13779_4ce80f-f2 > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id13779_4ce80f-f2{box-shadow:0px 0px 12px 3px rgba(0, 0, 0, 0.2);border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}.kb-row-layout-id13779_4ce80f-f2{background-color:rgba(58,173,113,0.17);}.kb-row-layout-id13779_4ce80f-f2 > .kt-row-layout-overlay{opacity:0.49;}@media all and (max-width: 1024px){.kb-row-layout-id13779_4ce80f-f2 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-lg, 3rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-lg, 3rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id13779_4ce80f-f2{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}@media all and (max-width: 767px){.kb-row-layout-id13779_4ce80f-f2 > .kt-row-column-wrap{padding-top:var(--global-kb-spacing-md, 2rem);padding-right:var(--global-kb-spacing-xxs, 0.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);padding-left:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id13779_4ce80f-f2{border-top:4px double var(--global-palette1, #3182CE);border-right:4px double var(--global-palette1, #3182CE);border-bottom:4px double var(--global-palette1, #3182CE);border-left:4px double var(--global-palette1, #3182CE);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id13779_4ce80f-f2 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column13779_e4e3df-87 > .kt-inside-inner-col,.kadence-column13779_e4e3df-87 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13779_e4e3df-87 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13779_e4e3df-87 > .kt-inside-inner-col{flex-direction:column;}.kadence-column13779_e4e3df-87 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13779_e4e3df-87 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13779_e4e3df-87{position:relative;}@media all and (max-width: 1024px){.kadence-column13779_e4e3df-87 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13779_e4e3df-87 > .kt-inside-inner-col{padding-right:0px;padding-left:0px;flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13779_e4e3df-87\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13779_3e9ee3-f0, .wp-block-kadence-advancedheading.kt-adv-heading13779_3e9ee3-f0[data-kb-block=\"kb-adv-heading13779_3e9ee3-f0\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading13779_3e9ee3-f0 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13779_3e9ee3-f0[data-kb-block=\"kb-adv-heading13779_3e9ee3-f0\"] 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-heading13779_3e9ee3-f0 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13779_3e9ee3-f0[data-kb-block=\"kb-adv-heading13779_3e9ee3-f0\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13779_3e9ee3-f0, .wp-block-kadence-advancedheading.kt-adv-heading13779_3e9ee3-f0[data-kb-block=\"kb-adv-heading13779_3e9ee3-f0\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13779_3e9ee3-f0, .wp-block-kadence-advancedheading.kt-adv-heading13779_3e9ee3-f0[data-kb-block=\"kb-adv-heading13779_3e9ee3-f0\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading13779_3e9ee3-f0 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13779_3e9ee3-f0\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_65d1e8-68:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_65d1e8-68 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_65d1e8-68 ul.kt-svg-icon-list{grid-row-gap:20px;}.kt-svg-icon-list-items13779_65d1e8-68 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13779_65d1e8-68 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13779_c9b93a-c9 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13779_c9b93a-c9 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_c9b93a-c9\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">L<strong>\u2019assurance collective est un pilier <\/strong>des avantages sociaux, soutenant la sant\u00e9, la s\u00e9curit\u00e9 financi\u00e8re et le bien-\u00eatre global des employ\u00e9s.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_2d4814-a6 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13779_2d4814-a6 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_2d4814-a6\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Les principaux types d\u2019assurance groupe<\/strong> incluent l\u2019assurance sant\u00e9, vie et invalidit\u00e9, ainsi que les programmes d\u2019aide aux employ\u00e9s et des options personnalisables.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_8664ab-98 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13779_8664ab-98 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_8664ab-98\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Les <strong>employ\u00e9s et les employeurs en profitent<\/strong>, les employ\u00e9s gagnent en tranquillit\u00e9 d\u2019esprit et un meilleur acc\u00e8s aux soins, tandis que les employeurs am\u00e9liorent la r\u00e9tention, le moral et la productivit\u00e9.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_d91475-aa .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13779_d91475-aa .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_d91475-aa\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">La <strong>conception du r\u00e9gime doit tenir compte des besoins de l\u2019\u00e9quipe<\/strong>, des exigences l\u00e9gales et des valeurs de l\u2019organisation, dans toutes les provinces y compris l\u2019Ontario et le Qu\u00e9bec.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_ea1d9f-f2 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13779_ea1d9f-f2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_ea1d9f-f2\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Les co\u00fbts varient<\/strong>, mais investir dans l\u2019assurance de groupe est une strat\u00e9gie gagnante \u00e0 long terme.<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"what-is-group-insurance\">Qu\u2019est-ce que l\u2019assurance collective ?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance collective est un <a href=\"https:\/\/twinn.ca\/fr\/avantages-sociaux-guide\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/avantages-sociaux-guide\/\">avantage sociaux d&#8217;employ\u00e9s<\/a> offert \u00e0 un ensemble de personnes, souvent les employ\u00e9s d\u2019une entreprise. Elle <a href=\"https:\/\/fastercapital.com\/fr\/sujet\/comprendre-le-concept-de-mutualisation-de-l%27assurance.html\" target=\"_blank\" rel=\"noopener\">mise sur le pouvoir du nombre<\/a> pour proposer de meilleurs tarifs, une couverture simplifi\u00e9e et un meilleur acc\u00e8s aux soins. Plut\u00f4t que de n\u00e9gocier individuellement, les employ\u00e9s profitent d\u2019un co\u00fbt r\u00e9duit gr\u00e2ce \u00e0 la mutualisation des risques. Une bonne nouvelle pour tout le monde.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour les employ\u00e9s, c\u2019est un acc\u00e8s abordable \u00e0 des avantages sant\u00e9 et protection qu\u2019ils n\u2019auraient pas forc\u00e9ment seuls. Pour les employeurs, c\u2019est une fa\u00e7on d\u2019attirer et de fid\u00e9liser les talents. Et pour les RH ? Un levier strat\u00e9gique pour renforcer la culture d\u2019entreprise, le recrutement et la r\u00e9tention.   <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Bref, offrir les bons types d\u2019assurance groupe aide vos gens \u00e0 se sentir en s\u00e9curit\u00e9, \u00e9cout\u00e9s et soutenus \u2013 et \u00e7a se refl\u00e8te sur toute l\u2019organisation.<\/p>\n\n\n<style>.kb-image13779_dd5cbb-40 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image13779_dd5cbb-40 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/HR-team-discussing-types-of-group-insurance-to-include-in-their-group-insurance-plan.webp\" alt=\"L\u2019\u00e9quipe des RH discute des types d\u2019assurance groupe \u00e0 inclure dans son r\u00e9gime d\u2019assurance collective.\" class=\"kb-img wp-image-13502\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/HR-team-discussing-types-of-group-insurance-to-include-in-their-group-insurance-plan.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/HR-team-discussing-types-of-group-insurance-to-include-in-their-group-insurance-plan-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/HR-team-discussing-types-of-group-insurance-to-include-in-their-group-insurance-plan-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"types-of-group-insurance-plans\">Les types d\u2019assurance collective en d\u00e9tail<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il n\u2019y a pas de solution unique quand vient le temps de b\u00e2tir un r\u00e9gime collectif : chaque entreprise peut adapter son offre. Pour vous aider \u00e0 trouver le bon \u00e9quilibre, voici un aper\u00e7u des principaux types d\u2019assurance groupe qui forment la base des r\u00e9gimes d\u2019avantages sociaux au Canada : <\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-left\" id=\"1-group-health-insurance\">1. Assurance maladie collective<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019<a href=\"https:\/\/twinn.ca\/fr\/assurance-maladie-collective\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/assurance-maladie-collective\/\">assurance maladie collective<\/a> est un r\u00e9gime m\u00e9dical couvrant un groupe de personnes, souvent les employ\u00e9s d\u2019une entreprise, sous un seul contrat. Elle offre des soins m\u00e9dicaux \u00e0 un co\u00fbt souvent plus avantageux que les assurances individuelles.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce qui est g\u00e9n\u00e9ralement inclus :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_5bd48d-cb:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_5bd48d-cb ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_5bd48d-cb ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_5bd48d-cb ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13779_5bd48d-cb ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13779_5bd48d-cb kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13779_76f753-79 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_76f753-79\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Couverture des m\u00e9dicaments sur ordonnance<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_b9903e-1a .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_b9903e-1a\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Services param\u00e9dicaux (chiropraticiens, massoth\u00e9rapeutes, psychologues, etc.)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_954ff0-2d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_954ff0-2d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Soins hospitaliers et diagnostiques<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_cc1e86-68 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_cc1e86-68\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Couverture dentaire et de la vue<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_aab209-ec .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_aab209-ec\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Comptes de d\u00e9penses de sant\u00e9 (CDS)<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Alors que les r\u00e9gimes d\u2019assurance-maladie provinciaux (comme l\u2019Assurance-sant\u00e9 ou la RAMQ) s\u2019occupent de l\u2019essentiel, ces types d\u2019assurance collective comblent les manques, et plus encore.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"2-employee-life-insurance\">2. Assurance-vie collective<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Pensez-y comme un filet de s\u00e9curit\u00e9 pour les proches de vos employ\u00e9s. L\u2019<a href=\"https:\/\/twinn.ca\/fr\/assurance-vie-collective\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/assurance-vie-collective\/\">assurance vie collective<\/a> offre un montant forfaitaire au b\u00e9n\u00e9ficiaire si l\u2019employ\u00e9 d\u00e9c\u00e8de alors qu\u2019il est couvert. C\u2019est une fa\u00e7on simple et abordable de soutenir le bien-\u00eatre des employ\u00e9s tout en d\u00e9montrant votre engagement \u00e0 long terme.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_565e42-2e:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_565e42-2e ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_565e42-2e ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_565e42-2e ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13779_565e42-2e ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13779_565e42-2e kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13779_5afa69-68 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_5afa69-68\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Assurance vie de base<\/strong> : Souvent 1 \u00e0 2 fois le salaire, fourni automatiquement aux employ\u00e9s \u00e0 temps plein.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_f4f487-49 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_f4f487-49\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Assurance vie optionnelle<\/strong> : Les employ\u00e9s peuvent acheter une protection suppl\u00e9mentaire, g\u00e9n\u00e9ralement par retenues salariales.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_33fd38-e0 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_33fd38-e0\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Assurance vie pour personnes \u00e0 charge<\/strong> : Couvre les conjoints et enfants, avec un montant modeste.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Un moyen concret d\u2019apporter de la tranquillit\u00e9 d\u2019esprit dans les moments les plus impr\u00e9visibles.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"3-disability-insurance\">3. Assurance invalidit\u00e9<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019<a href=\"https:\/\/twinn.ca\/fr\/assurance-invalidite\/\">assurance invalidit\u00e9<\/a> est un filet de s\u00e9curit\u00e9 essentiel qui aide \u00e0 prot\u00e9ger le revenu d\u2019un employ\u00e9 s\u2019il est incapable de travailler en raison d\u2019une maladie ou d\u2019une blessure.<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_12ad63-a8:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_12ad63-a8 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_12ad63-a8 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_12ad63-a8 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13779_12ad63-a8 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13779_12ad63-a8 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13779_32be3c-84 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_32be3c-84\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Invalidit\u00e9 de courte dur\u00e9e (ICD) :<\/strong> Couvre souvent 60 \u00e0 75% du salaire jusqu\u2019\u00e0 6 mois<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_c63d84-c7 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_c63d84-c7\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Invalidit\u00e9 de longue dur\u00e9e (ILD) :<\/strong> Prend le relais apr\u00e8s l\u2019ICD et peut se poursuivre jusqu\u2019\u00e0 la retraite.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e9gimes d\u2019invalidit\u00e9 varient \u00e9norm\u00e9ment : les employeurs doivent donc bien d\u00e9finir ce qu\u2019est une invalidit\u00e9 et les d\u00e9lais de carence applicables.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"4-employee-assistance-programs-eap\">4. Programmes d\u2019aide aux employ\u00e9s (PAE)<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Bien que le <a href=\"https:\/\/twinn.ca\/fr\/services-aide-employes\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/services-aide-employes\/\">PAE<\/a> ne soit pas une assurance \u00e0 proprement parler, il est souvent int\u00e9gr\u00e9 aux r\u00e9gimes collectifs. Il offre un soutien confidentiel, \u00e0 court terme, pour des enjeux tels que :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_5224f8-d6:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_5224f8-d6 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_5224f8-d6 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_5224f8-d6 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13779_5224f8-d6 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13779_5224f8-d6 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13779_bed4d5-90 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_bed4d5-90\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Sant\u00e9 mentale<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_88d657-cc .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_88d657-cc\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Pr\u00e9occupations juridiques et financi\u00e8res<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_794743-b5 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_794743-b5\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Probl\u00e8mes familiaux et relationnels<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_4bff07-b4 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_4bff07-b4\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\">Gestion de crise<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Dans les milieux de travail d\u2019aujourd\u2019hui, les PAE sont devenus un \u00e9l\u00e9ment essentiel du bien-\u00eatre des employ\u00e9s au-del\u00e0 de la sant\u00e9 physique.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"5-add-ons-and-customizations\">5. Options compl\u00e9mentaires et personnalisations<\/h4>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_ffb86f-16:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_ffb86f-16 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_ffb86f-16 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_ffb86f-16 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13779_ffb86f-16 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13779_ffb86f-16 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13779_7b7ecf-06 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_7b7ecf-06\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Assurance voyage :<\/strong> Pour les voyages d\u2019affaires et les vacances<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_947125-d0 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_947125-d0\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Assurance maladies graves :<\/strong> Paiement unique au diagnostic d\u2019une maladie grave<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_d61ed6-51 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_d61ed6-51\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Comptes de d\u00e9penses de mieux-\u00eatre (WSA) :<\/strong> Rembourse les d\u00e9penses li\u00e9es \u00e0 la condition physique et au bien-\u00eatre<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_c42de0-d2 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_c42de0-d2\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Services de soins virtuels :<\/strong> Une <a href=\"https:\/\/ia.ca\/entreprise\/perspectives\/assurance-collective\/article-soins-virtuels\" target=\"_blank\" rel=\"noopener\">tendance croissante<\/a> post-COVID<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019offre d\u2019une vari\u00e9t\u00e9 de types d\u2019assurance collective permet une flexibilit\u00e9 qui soutient une main-d\u2019\u0153uvre diversifi\u00e9e.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"types-of-group-insurance-at-a-glance\">Aper\u00e7u des types d\u2019assurance groupe<\/h3>\n\n\n\n<figure class=\"wp-block-table alignfull\" style=\"padding-bottom:var(--wp--preset--spacing--50)\"><table><thead><tr><th><strong>Type de couverture<\/strong><\/th><th><strong>Ce que \u00e7a couvre<\/strong><\/th><th><strong>Avantage pour l\u2019employeur<\/strong><\/th><th><strong>Avantage pour l\u2019employ\u00e9<\/strong><\/th><\/tr><\/thead><tbody><tr><td>Assurance maladie<\/td><td>M\u00e9dicaux, dentaires, de la vue et de m\u00e9dicaments<\/td><td>Attire\/retient les talents<\/td><td>Couvre les frais de sant\u00e9 essentiels<\/td><\/tr><tr><td>Assurance vie<\/td><td>Paiement au d\u00e9c\u00e8s<\/td><td>Fait preuve d\u2019un engagement \u00e0 long terme<\/td><td>Soutient les personnes \u00e0 charge<\/td><\/tr><tr><td>Assurance invalidit\u00e9<\/td><td>Remplacement de revenu en cas d\u2019incapacit\u00e9 \u00e0 travailler<\/td><td>R\u00e9duit l\u2019absent\u00e9isme<\/td><td>Prot\u00e8ge la s\u00e9curit\u00e9 financi\u00e8re<\/td><\/tr><tr><td>PAE (Programme d\u2019aide aux employ\u00e9s)<\/td><td>Soutien psychologique, juridique et bien-\u00eatre<\/td><td>Appuie la strat\u00e9gie en sant\u00e9 mentale<\/td><td>Acc\u00e8s confidentiel \u00e0 du soutien<\/td><\/tr><tr><td>Options suppl\u00e9mentaires (MC, voyage)<\/td><td>Maladie grave, assurance voyage, soins virtuels, CEM*<\/td><td>Personnalisation et engagement<\/td><td>Renforce la couverture personnelle<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<style>.kb-image13779_e4b61c-57 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image13779_e4b61c-57 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/insurance-agent-consulting-with-customer-explaining-different-advantages-of-types-of-group-insurance.webp\" alt=\"\" class=\"kb-img wp-image-13506\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/insurance-agent-consulting-with-customer-explaining-different-advantages-of-types-of-group-insurance.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/insurance-agent-consulting-with-customer-explaining-different-advantages-of-types-of-group-insurance-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/insurance-agent-consulting-with-customer-explaining-different-advantages-of-types-of-group-insurance-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"choosing-the-right-types-of-group-insurance\">Choisir les bons types d\u2019assurance collective<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Maintenant que vous connaissez les principaux types d\u2019assurance collective, comment choisir ceux qui conviennent le mieux \u00e0 votre \u00e9quipe\u202f? Un bon r\u00e9gime ne fait pas du copier-coller : il \u00e9volue avec la r\u00e9alit\u00e9 de vos employ\u00e9s, leur \u00e2ge, leur situation familiale, leurs risques, leurs priorit\u00e9s bien-\u00eatre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Votre plan doit r\u00e9pondre aux besoins des employ\u00e9s tout en restant align\u00e9 sur la culture, les valeurs et les objectifs de votre entreprise. Plus il est align\u00e9 sur leur quotidien, plus il aura d\u2019impact. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-match-types-of-group-insurance-to-industry-needs\">1. Adapter l\u2019assurance collective aux besoins du secteur<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un programme qui a l\u2019air complet sur papier peut tomber \u00e0 plat s\u2019il ne refl\u00e8te pas les conditions de travail r\u00e9elles. Que ce soit la charge physique d\u2019un emploi en usine, le stress \u00e9motionnel du milieu de la sant\u00e9 ou la fatigue \u00e9cran des pros du num\u00e9rique, les exigences du quotidien influencent ce que les employ\u00e9s attendent r\u00e9ellement d\u2019un r\u00e9gime d\u2019assurance pour les professionnels.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"from-one-size-fits-all-to-purpose-built-protection\">Comment les besoins varient selon les secteurs<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un aper\u00e7u des priorit\u00e9s en assurance collective dans diff\u00e9rents domaines, pour vous aider \u00e0 adapter votre offre aux r\u00e9alit\u00e9s du terrain :<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull is-style-stripes\" style=\"padding-bottom:var(--wp--preset--spacing--40)\"><table class=\"has-background\" style=\"background-color:#3bad7299;border-width:2px\"><thead><tr><th><strong>Industrie<\/strong><\/th><th><strong>Objectif typique de l\u2019assurance collective<\/strong><\/th><th><strong>Pourquoi<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>Technologie \/ Startups<\/strong><\/td><td>Comptes de d\u00e9penses flexibles en sant\u00e9 et mieux-\u00eatre, services de sant\u00e9 mentale, t\u00e9l\u00e9m\u00e9decine<\/td><td>Jeune main-d&rsquo;\u0153uvre, recherche de flexibilit\u00e9 et soutien en sant\u00e9 mentale ; options \u00e9volutives pour ma\u00eetriser les co\u00fbts<\/td><\/tr><tr><td><strong>Services professionnels<\/strong><\/td><td>Soins de sant\u00e9 et dentaires \u00e9tendus, invalidit\u00e9 longue dur\u00e9e, assurance vie<\/td><td>March\u00e9s comp\u00e9titifs ; les employ\u00e9s s\u2019attendent \u00e0 une couverture compl\u00e8te et stable<\/td><\/tr><tr><td><strong>Manufacturier \/ M\u00e9tiers sp\u00e9cialis\u00e9s<\/strong><\/td><td>Soins de base sant\u00e9 et dentaire, assurance vie, compl\u00e9ments \u00e0 la CSST<\/td><td>Travail physique = risques accrus ; la couverture est souvent encadr\u00e9e par des conventions collectives<\/td><\/tr><tr><td><strong>Commerce de d\u00e9tail \/ H\u00f4tellerie<\/strong><\/td><td>R\u00e9gimes de base simplifi\u00e9s, options modulables, comptes de d\u00e9penses sant\u00e9<\/td><td>Taux de roulement \u00e9lev\u00e9, employ\u00e9s \u00e0 temps partiel ; les r\u00e9gimes doivent \u00eatre flexibles et abordables<\/td><\/tr><tr><td><strong>Finances \/ Droit<\/strong><\/td><td>R\u00e9gimes complets avec soins \u00e9tendus, vision, invalidit\u00e9, programmes de mieux-\u00eatre<\/td><td>Pour attirer des talents sp\u00e9cialis\u00e9s, il faut du haut de gamme ; couverture souvent familiale et \u00e0 long terme<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Concevoir votre r\u00e9gime avec cette r\u00e9alit\u00e9 en t\u00eate vous \u00e9vite les faux pas, comme offrir des comptes mieux-\u00eatre dans un milieu o\u00f9 les employ\u00e9s ne peuvent pas les utiliser faute de temps ou d\u2019acc\u00e8s.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-design-with-intention-not-imitation\">2. Concevoir avec intention, pas par imitation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les meilleurs r\u00e9gimes d\u2019assurance collective ne sont pas copi\u00e9s sur la concurrence, ils sont soigneusement con\u00e7us en fonction des bons types de couverture pour votre \u00e9quipe. Cela implique d\u2019aller au-del\u00e0 des simples comparaisons de surface et de poser de vraies questions\u202f, quelles protections (sant\u00e9, dentaire, invalidit\u00e9, vie, maladies graves) r\u00e9pondent r\u00e9ellement aux besoins concrets de vos employ\u00e9s\u202f? O\u00f9 se trouvent les plus grandes demandes ou les plus grands manques\u202f?<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><strong>Les employeurs peuvent ensuite mener des sondages internes, analyser les donn\u00e9es d\u2019utilisation des r\u00e9gimes existants et comparer avec les tendances du secteur, non pas pour les imiter, mais pour comprendre ce qui fonctionne dans des contextes similaires.<\/strong><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Concevoir avec intention, c\u2019est faire des choix strat\u00e9giques : investir l\u00e0 o\u00f9 c\u2019est utile et r\u00e9duire l\u00e0 o\u00f9 ce l\u2019est moins. C\u2019est aussi miser sur la flexibilit\u00e9 en proposant des options modulaires ou des comptes de d\u00e9penses, afin que chaque employ\u00e9 puisse adapter sa couverture selon son \u00e2ge, sa sant\u00e9 et sa situation familiale. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En vous concentrant sur la composition de votre r\u00e9gime, et pas seulement sur sa g\u00e9n\u00e9rosit\u00e9, vous b\u00e2tissez un programme qui a une vraie valeur pour vos employ\u00e9s et qui devient un levier strat\u00e9gique pour votre entreprise.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-follow-employee-insurance-requirements\">3. Aligner les types d\u2019assurance sur les exigences des employ\u00e9s<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsqu\u2019on b\u00e2tit un r\u00e9gime collectif, il est crucial de choisir les bons types d\u2019assurance en fonction des obligations l\u00e9gales et des attentes du personnel. Ces exigences varient selon plusieurs niveaux et influencent directement les couvertures que vous devez inclure : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>R\u00e9glementations provinciales<\/strong> : Chaque province a ses propres r\u00e8gles. Au Qu\u00e9bec, par exemple, les employeurs doivent offrir une assurance m\u00e9dicaments priv\u00e9e \u00e0 tout employ\u00e9 non couvert par le <a href=\"https:\/\/www.sunlife.ca\/fr\/sante\/assurance-sante-personnelle\/lassurance-medicaments-au-quebec\/\" target=\"_blank\" rel=\"noopener\">r\u00e9gime public (RAMQ)<\/a>. En Ontario, la couverture publique est plus restreinte, ce qui pousse les employeurs \u00e0 offrir des r\u00e9gimes sant\u00e9 plus complets.<\/li>\n\n\n\n<li><strong>Conventions collectives<\/strong> : Dans les milieux syndiqu\u00e9s, certaines protections sont exig\u00e9es (invalidit\u00e9 longue dur\u00e9e, soins dentaires, assurance vie). Ces exigences influencent ce qui est consid\u00e9r\u00e9 comme de base, et ce qui peut rester facultatif. <\/li>\n\n\n\n<li><strong>Normes sectorielles<\/strong> : Certains secteurs (construction, transport, soins de sant\u00e9) n\u00e9cessitent des protections sp\u00e9cifiques comme l\u2019assurance accidents ou maladies graves. Ces exigences ne concernent pas seulement la conformit\u00e9, elles refl\u00e8tent les risques r\u00e9els auxquels les employ\u00e9s sont expos\u00e9s. <\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">En comprenant ces r\u00e9alit\u00e9s juridiques et sectorielles, vous \u00e9vitez les angles morts dans votre r\u00e9gime. Et surtout, vous choisissez les types d\u2019assurance collective qui comptent vraiment dans votre contexte qu\u2019il s\u2019agisse de conformit\u00e9, d\u2019attentes syndicales ou de normes industrielles. <strong> <\/strong>les types d\u2019assurance collective qui comptent le plus dans votre contexte, qu\u2019il s\u2019agisse de respecter les normes l\u00e9gales, les normes de l\u2019industrie ou les attentes des conventions collectives.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13779_9ad25f-6e{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13779_9ad25f-6e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13779_9ad25f-6e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13779_9ad25f-6e > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( 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.kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column13779_e7d530-37 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13779_e7d530-37 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13779_e7d530-37 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13779_e7d530-37{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_e7d530-37{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_e7d530-37 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13779_e7d530-37 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13779_e7d530-37{text-align:left;}.kadence-column13779_e7d530-37{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13779_e7d530-37{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_e7d530-37{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_e7d530-37 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column13779_e7d530-37 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13779_e7d530-37{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_e7d530-37{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_e7d530-37 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13779_e7d530-37 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13779_e7d530-37 kb-section-is-sticky kb-section-dir-vertical o-sticky o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13779_6fb551-ba, .wp-block-kadence-advancedheading.kt-adv-heading13779_6fb551-ba[data-kb-block=\"kb-adv-heading13779_6fb551-ba\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading13779_6fb551-ba mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13779_6fb551-ba[data-kb-block=\"kb-adv-heading13779_6fb551-ba\"] 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-heading13779_6fb551-ba img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13779_6fb551-ba[data-kb-block=\"kb-adv-heading13779_6fb551-ba\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13779_6fb551-ba, .wp-block-kadence-advancedheading.kt-adv-heading13779_6fb551-ba[data-kb-block=\"kb-adv-heading13779_6fb551-ba\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13779_6fb551-ba, .wp-block-kadence-advancedheading.kt-adv-heading13779_6fb551-ba[data-kb-block=\"kb-adv-heading13779_6fb551-ba\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading13779_6fb551-ba wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13779_6fb551-ba\">Pr\u00eat \u00e0 b\u00e2tir le r\u00e9gime d\u2019assurance collective parfait?<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading13779_33367b-93, .wp-block-kadence-advancedheading.kt-adv-heading13779_33367b-93[data-kb-block=\"kb-adv-heading13779_33367b-93\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13779_33367b-93 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13779_33367b-93[data-kb-block=\"kb-adv-heading13779_33367b-93\"] 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-heading13779_33367b-93 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13779_33367b-93[data-kb-block=\"kb-adv-heading13779_33367b-93\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13779_33367b-93, .wp-block-kadence-advancedheading.kt-adv-heading13779_33367b-93[data-kb-block=\"kb-adv-heading13779_33367b-93\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13779_33367b-93, .wp-block-kadence-advancedheading.kt-adv-heading13779_33367b-93[data-kb-block=\"kb-adv-heading13779_33367b-93\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading13779_33367b-93 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13779_33367b-93\">Travaillez avec nos experts pour concevoir un r\u00e9gime d\u2019assurance collective align\u00e9 sur vos besoins d\u2019affaires et le bien-\u00eatre de vos employ\u00e9s.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column13779_37021d-0a > .kt-inside-inner-col{display:flex;}.kadence-column13779_37021d-0a > .kt-inside-inner-col,.kadence-column13779_37021d-0a > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13779_37021d-0a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13779_37021d-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13779_37021d-0a > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13779_37021d-0a{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_37021d-0a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_37021d-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13779_37021d-0a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13779_37021d-0a{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13779_37021d-0a{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_37021d-0a{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_37021d-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column13779_37021d-0a > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13779_37021d-0a{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_37021d-0a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_37021d-0a > 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svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading13779_3ffbe7-b2[data-kb-block=\"kb-adv-heading13779_3ffbe7-b2\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading13779_3ffbe7-b2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13779_3ffbe7-b2[data-kb-block=\"kb-adv-heading13779_3ffbe7-b2\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-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-heading13779_3ffbe7-b2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13779_3ffbe7-b2[data-kb-block=\"kb-adv-heading13779_3ffbe7-b2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13779_3ffbe7-b2, .wp-block-kadence-advancedheading.kt-adv-heading13779_3ffbe7-b2[data-kb-block=\"kb-adv-heading13779_3ffbe7-b2\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13779_3ffbe7-b2[data-kb-block=\"kb-adv-heading13779_3ffbe7-b2\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13779_3ffbe7-b2, .wp-block-kadence-advancedheading.kt-adv-heading13779_3ffbe7-b2[data-kb-block=\"kb-adv-heading13779_3ffbe7-b2\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading13779_3ffbe7-b2[data-kb-block=\"kb-adv-heading13779_3ffbe7-b2\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading13779_3ffbe7-b2 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading13779_3ffbe7-b2\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous d\u00e8s maintenant pour une estimation gratuite  <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns13779_5fec96-bf{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-end;align-items:center;}.kt-btns13779_5fec96-bf .kt-button{font-weight:normal;font-style:normal;}.kt-btns13779_5fec96-bf .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns13779_5fec96-bf .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns13779_5fec96-bf .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13779_5fec96-bf .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns13779_5fec96-bf .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns13779_5fec96-bf .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13779_5fec96-bf .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns13779_5fec96-bf{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns13779_5fec96-bf{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns13779_5fec96-bf\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn13779_066187-ac.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn13779_066187-ac.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn13779_066187-ac kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"3-determine-costs\">4. \u00c9valuer les co\u00fbts selon les types d\u2019assurance<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le co\u00fbt d\u2019un r\u00e9gime collectif ne se r\u00e9sume pas \u00e0 un chiffre global. Il d\u00e9pend des types d\u2019assurance que vous incluez et de la fa\u00e7on dont vous les structurez. Certaines protections sont plus co\u00fbteuses, mais offrent un excellent retour sur investissement \u00e0 long terme. D\u2019autres peuvent \u00eatre offertes de fa\u00e7on facultative pour limiter les d\u00e9penses. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"understanding-what-drives-group-insurance-costs\">Ce qui influence les co\u00fbts d\u2019assurance groupe<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance collective est g\u00e9n\u00e9ralement plus abordable que les r\u00e9gimes individuels, mais le rapport co\u00fbt-efficacit\u00e9 varie selon le type de couverture :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_c6a7ca-ab:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_c6a7ca-ab ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_c6a7ca-ab ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_c6a7ca-ab ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13779_c6a7ca-ab ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13779_c6a7ca-ab kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13779_8ad706-47 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_8ad706-47\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Assurance maladie et dentaire<\/strong> : Le c\u0153ur de la majorit\u00e9 des r\u00e9gimes. Plus la couverture est g\u00e9n\u00e9reuse (orthodontie, soins majeurs, services param\u00e9dicaux), plus le co\u00fbt augmente. Jouer sur les niveaux de coassurance (80\u202f% vs 100\u202f%) ou fixer des maximums annuels permet de mieux contr\u00f4ler le budget.  <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_9aa61a-9d .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_9aa61a-9d\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Assurance invalidit\u00e9 (courte et longue dur\u00e9e)<\/strong> : L\u2019un des volets les plus co\u00fbteux, mais aussi les plus importants. Les primes varient selon le d\u00e9lai de carence, le montant vers\u00e9 et les risques li\u00e9s aux postes. Dans certains secteurs, l\u2019ILD est incontournable, dans d\u2019autres, elle est optionnelle.  <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_6db990-5c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_6db990-5c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Assurance vie<\/strong> : Une protection de base abordable, surtout avec des montants fixes (ex. : 25\u202f000\u202f$ par employ\u00e9). L\u2019assurance vie optionnelle ou pour personnes \u00e0 charge peut \u00eatre offerte \u00e0 la carte, \u00e0 la charge de l\u2019employ\u00e9. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_3a0c1c-41 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_3a0c1c-41\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><strong>Assurance maladies graves ou accident<\/strong> : Des ajouts souvent \u00e9conomiques par rapport \u00e0 la protection offerte, mais peu utilis\u00e9s. En les proposant en option, vous ajoutez de la valeur sans augmenter les co\u00fbts. <\/span><\/li>\n<\/ul><\/div>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Les prix varient aussi selon le fournisseur. Par exemple, Manuvie et Sun Life offrent des r\u00e9gimes sant\u00e9 modulables avec des ajouts bien-\u00eatre, tandis que Canada Vie se sp\u00e9cialise dans les r\u00e9gimes flexibles pour PME.<\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"cost-effective-design-strategies-by-coverage-type\">Strat\u00e9gies pour optimiser les co\u00fbts selon le type de couverture<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">La tarification de l\u2019assurance collective peut \u00eatre optimis\u00e9e sans prendre de raccourcis en prenant des d\u00e9cisions \u00e9clair\u00e9es quant aux types d\u2019assurance groupe \u00e0 inclure et \u00e0 la fa\u00e7on dont ils sont structur\u00e9s :<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull\"><table><thead><tr><th>Type de couverture<\/th><th>Strat\u00e9gie d\u2019\u00e9conomie<\/th><th>Pourquoi \u00e7a fonctionne<\/th><\/tr><\/thead><tbody><tr><td>Sant\u00e9 \/ Dentaire<\/td><td>Fixer des coassurances, maximums annuels ou franchises<\/td><td>Encourage une utilisation responsable et r\u00e9duit les exc\u00e8s<\/td><\/tr><tr><td>Invalidit\u00e9<\/td><td>Ajuster les d\u00e9lais de carence ou plafonner les prestations<\/td><td>Maintient la protection tout en g\u00e9rant les risques<\/td><\/tr><tr><td>Assurance vie<\/td><td>Offrir la base \u00e0 vos frais, et l\u2019optionnel \u00e0 la charge des employ\u00e9s<\/td><td>Flexibilit\u00e9 + ma\u00eetrise des co\u00fbts<\/td><\/tr><tr><td>Maladies graves \/ accident<\/td><td>Offrir en option facultative<\/td><td>Protection suppl\u00e9mentaire, sans co\u00fbt pour l\u2019employeur<\/td><\/tr><tr><td>T\u00e9l\u00e9m\u00e9decine \/ Sant\u00e9 mentale<\/td><td>Int\u00e9grer dans le r\u00e9gime sant\u00e9 ou le PAE<\/td><td>Excellent retour sur l\u2019absent\u00e9isme et le bien-\u00eatre g\u00e9n\u00e9ral<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"tax-and-budgeting-advantages\">Avantages fiscaux et budg\u00e9taires<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les primes pay\u00e9es par l\u2019employeur pour l\u2019assurance sant\u00e9 et dentaire sont non imposables pour l\u2019employ\u00e9 et d\u00e9ductibles pour l\u2019entreprise (sauf exceptions comme au Qu\u00e9bec). Certains types d\u2019assurance (ex. vie ou maladies graves) peuvent avoir des implications fiscales sp\u00e9cifiques \u00e0 v\u00e9rifier au cas par cas.  <\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/HR-team-disussing-costs-and-benefits-of-different-types-of-group-insurance.webp\" alt=\"\" class=\"wp-image-13508\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/HR-team-disussing-costs-and-benefits-of-different-types-of-group-insurance.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/HR-team-disussing-costs-and-benefits-of-different-types-of-group-insurance-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/HR-team-disussing-costs-and-benefits-of-different-types-of-group-insurance-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"trends-in-group-insurance-for-2025\">Tendances en assurance collective pour 2025<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Au-del\u00e0 des besoins propres \u00e0 chaque secteur, plusieurs <a href=\"https:\/\/achille-courtage.com\/blog\/les-tendances-2025-en-assurance-collective\/\" target=\"_blank\" rel=\"noopener\">tendances de fond<\/a> transforment les attentes en mati\u00e8re d\u2019assurance collective. Voici ce qui se dessine cette ann\u00e9e :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_2bb384-f7:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_2bb384-f7 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:var(--global-kb-spacing-sm, 1.5rem);margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_2bb384-f7 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13779_2bb384-f7 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13779_2bb384-f7 ul.kt-svg-icon-list .kt-svg-icon-list-level-0 .kt-svg-icon-list-single svg{font-size:20px;}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items13779_2bb384-f7 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13779_0ba7b3-91 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_0ba7b3-91\"><span class=\"kb-svg-icon-wrap kb-svg-icon-kb-custom-12532 kt-svg-icon-list-single\"><svg viewBox=\"0 0 109.14 98\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><g id=\"Capa_1-2\" data-name=\"Capa_1\"><path 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class=\"kt-svg-icon-list-text\"><strong>La sant\u00e9 mentale au c\u0153ur de l\u2019offre <\/strong>: Les milieux soumis \u00e0 un stress psychologique \u00e9lev\u00e9, comme la sant\u00e9, les services d\u2019urgence ou la tech, m\u00e8nent la charge en int\u00e9grant des solutions en sant\u00e9 mentale\u202f: consultations, th\u00e9rapies num\u00e9riques, programmes de pr\u00e9vention de l\u2019\u00e9puisement.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_592d6b-87 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_592d6b-87\"><span class=\"kb-svg-icon-wrap kb-svg-icon-kb-custom-12532 kt-svg-icon-list-single\"><svg viewBox=\"0 0 109.14 98\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><g id=\"Capa_1-2\" data-name=\"Capa_1\"><path 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class=\"kt-svg-icon-list-text\"><strong>Soins adapt\u00e9s au travail hybride<\/strong> : Avec l\u2019essor du t\u00e9l\u00e9travail, les soins virtuels s\u2019imposent. T\u00e9l\u00e9m\u00e9decine, prescriptions num\u00e9riques et coaching bien-\u00eatre \u00e0 distance permettent de maintenir l\u2019acc\u00e8s aux soins, peu importe o\u00f9 se trouvent les employ\u00e9s. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_b430d1-8c .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_b430d1-8c\"><span class=\"kb-svg-icon-wrap kb-svg-icon-kb-custom-12532 kt-svg-icon-list-single\"><svg viewBox=\"0 0 109.14 98\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><g id=\"Capa_1-2\" data-name=\"Capa_1\"><path 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class=\"kt-svg-icon-list-text\"><strong>Des r\u00e9gimes flexibles et modulaires<\/strong> : De plus en plus d\u2019employeurs proposent des r\u00e9gimes personnalisables, o\u00f9 chaque employ\u00e9 peut choisir ses protections ou ajouter des options selon ses besoins. C\u2019est un atout majeur dans une \u00e9quipe multig\u00e9n\u00e9rationnelle aux priorit\u00e9s vari\u00e9es. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13779_b6cd69-77 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;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;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-13779_b6cd69-77\"><span class=\"kb-svg-icon-wrap kb-svg-icon-kb-custom-12532 kt-svg-icon-list-single\"><svg viewBox=\"0 0 109.14 98\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><g id=\"Capa_1-2\" data-name=\"Capa_1\"><path 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class=\"kt-svg-icon-list-text\"><strong>\u00c9cosyst\u00e8mes de bien-\u00eatre \u00e9largis<\/strong> : Certaines entreprises innovantes vont au-del\u00e0 de la couverture curative en int\u00e9grant des volets proactifs\u202f: allocations sportives, plans nutritionnels, bilans de sant\u00e9 pr\u00e9ventifs, applications de pleine conscience, etc.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Rester \u00e0 l\u2019aff\u00fbt de ces tendances, c\u2019est se donner les moyens de b\u00e2tir un r\u00e9gime d\u2019assurance \u00e0 la fois comp\u00e9titif, durable et centr\u00e9 sur l\u2019humain.<\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading13779_fdc3a1-dd, .wp-block-kadence-advancedheading.kt-adv-heading13779_fdc3a1-dd[data-kb-block=\"kb-adv-heading13779_fdc3a1-dd\"]{margin-bottom:var(--global-kb-spacing-xxs, 0.5rem);font-size:var(--global-kb-font-size-xl, 3rem);line-height:1.2;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13779_fdc3a1-dd mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13779_fdc3a1-dd[data-kb-block=\"kb-adv-heading13779_fdc3a1-dd\"] 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-heading13779_fdc3a1-dd img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13779_fdc3a1-dd[data-kb-block=\"kb-adv-heading13779_fdc3a1-dd\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading13779_fdc3a1-dd wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13779_fdc3a1-dd\">Des questions? Nous avons des r\u00e9ponses. <\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading13779_9ba548-b1, .wp-block-kadence-advancedheading.kt-adv-heading13779_9ba548-b1[data-kb-block=\"kb-adv-heading13779_9ba548-b1\"]{margin-bottom:var(--global-kb-spacing-md, 2rem);font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13779_9ba548-b1 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13779_9ba548-b1[data-kb-block=\"kb-adv-heading13779_9ba548-b1\"] 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-heading13779_9ba548-b1 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13779_9ba548-b1[data-kb-block=\"kb-adv-heading13779_9ba548-b1\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading13779_9ba548-b1 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13779_9ba548-b1\">M\u00eame avec les bases bien en place, certaines questions reviennent souvent. En voici quelques-unes\u202f: <\/p>\n\n\n<style>.kadence-column13779_e5cf45-71 > .kt-inside-inner-col,.kadence-column13779_e5cf45-71 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13779_e5cf45-71 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13779_e5cf45-71 > .kt-inside-inner-col{flex-direction:column;}.kadence-column13779_e5cf45-71 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13779_e5cf45-71 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13779_e5cf45-71{position:relative;}@media all and (max-width: 1024px){.kadence-column13779_e5cf45-71 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13779_e5cf45-71 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13779_e5cf45-71 inner-column-1\"><div class=\"kt-inside-inner-col\">\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-1e7a1f76 wpsp-faq-icon-row wpsp-faq-layout-accordion wpsp-faq-expand-first-false wpsp-faq-inactive-other-true wpsp-faq-equal-height\" data-faqtoggle=\"true\" role=\"tablist\"><script type=\"application\/ld+json\">{\"@context\":\"https:\/\/schema.org\",\"@type\":\"FAQPage\",\"@id\":\"https:\/\/twinn.ca\/fr\/types-assurance-collective\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Les employ\u00e9s peuvent-ils conserver leur assurance collective s\u2019ils quittent l\u2019entreprise?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"En g\u00e9n\u00e9ral, la couverture prend fin avec l\u2019emploi. Cela dit, certains r\u00e9gimes offrent une option de conversion en assurance individuelle, sans examen m\u00e9dical.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Les travailleurs \u00e0 temps partiel ou contractuels peuvent-ils avoir acc\u00e8s aux r\u00e9gimes collectifs?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Cela d\u00e9pend de la politique de l\u2019employeur. Certains assureurs permettent l\u2019inclusion si des seuils d\u2019heures travaill\u00e9es ou d\u2019anciennet\u00e9 sont atteints.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Est-ce que tous les employeurs canadiens doivent offrir une assurance collective\u202f?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Non. Ce n\u2019est pas obligatoire partout. Par contre, au Qu\u00e9bec, l\u2019employeur doit offrir une assurance m\u00e9dicaments priv\u00e9e si l\u2019employ\u00e9 n\u2019est pas couvert par la RAMQ.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Quel est le nombre minimal d\u2019employ\u00e9s pour d\u00e9marrer un r\u00e9gime\u202f?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Certains assureurs acceptent de cr\u00e9er un r\u00e9gime collectif d\u00e8s 2 ou 3 personnes \u2014 id\u00e9al pour les petites entreprises ou les cabinets professionnels.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Qu\u2019est-ce que l\u2019assurance collective, et en quoi diff\u00e8re-t-elle de l\u2019assurance individuelle\u202f?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L\u2019assurance collective est une protection offerte par l\u2019employeur, couvrant sant\u00e9, invalidit\u00e9, assurance vie, etc. Contrairement \u00e0 l\u2019assurance individuelle, elle mutualise les risques au sein d\u2019un groupe, ce qui permet une meilleure couverture \u00e0 moindre co\u00fbt.\"}}]}<\/script><div class=\"wpsp-faq__wrap wpsp-buttons-layout-wrap\">\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-78332a9e\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Les employ\u00e9s peuvent-ils conserver leur assurance collective s\u2019ils quittent l\u2019entreprise?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>En g\u00e9n\u00e9ral, la couverture prend fin avec l\u2019emploi. Cela dit, certains r\u00e9gimes offrent une option de conversion en assurance individuelle, sans examen m\u00e9dical.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-96a348bc\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Les travailleurs \u00e0 temps partiel ou contractuels peuvent-ils avoir acc\u00e8s aux r\u00e9gimes collectifs?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Cela d\u00e9pend de la politique de l\u2019employeur. Certains assureurs permettent l\u2019inclusion si des seuils d\u2019heures travaill\u00e9es ou d\u2019anciennet\u00e9 sont atteints.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-ca17d9a4\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Est-ce que tous les employeurs canadiens doivent offrir une assurance collective\u202f?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Non. Ce n\u2019est pas obligatoire partout. Par contre, au Qu\u00e9bec, l\u2019employeur doit offrir une assurance m\u00e9dicaments priv\u00e9e si l\u2019employ\u00e9 n\u2019est pas couvert par la RAMQ.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-b6de924d\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Quel est le nombre minimal d\u2019employ\u00e9s pour d\u00e9marrer un r\u00e9gime\u202f?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Certains assureurs acceptent de cr\u00e9er un r\u00e9gime collectif d\u00e8s 2 ou 3 personnes \u2014 id\u00e9al pour les petites entreprises ou les cabinets professionnels.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-25e81d6b\"><div class=\"wpsp-faq-child__wrapper\"><div class=\"wpsp-faq-item\" role=\"tab\" tabindex=\"0\"><div class=\"wpsp-faq-questions-button wpsp-faq-questions\"><span class=\"wpsp-icon wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 320 512\"><path d=\"M143 352.3L7 216.3c-9.4-9.4-9.4-24.6 0-33.9l22.6-22.6c9.4-9.4 24.6-9.4 33.9 0l96.4 96.4 96.4-96.4c9.4-9.4 24.6-9.4 33.9 0l22.6 22.6c9.4 9.4 9.4 24.6 0 33.9l-136 136c-9.2 9.4-24.4 9.4-33.8 0z\"><\/path><\/svg><\/span><span class=\"wpsp-icon-active wpsp-faq-icon-wrap\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 448 512\"><path d=\"M416 208H32c-17.67 0-32 14.33-32 32v32c0 17.67 14.33 32 32 32h384c17.67 0 32-14.33 32-32v-32c0-17.67-14.33-32-32-32z\"><\/path><\/svg><\/span><span class=\"wpsp-question\"><strong><strong>Qu\u2019est-ce que l\u2019assurance collective, et en quoi diff\u00e8re-t-elle de l\u2019assurance individuelle\u202f?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>L\u2019assurance collective est une protection offerte par l\u2019employeur, couvrant sant\u00e9, invalidit\u00e9, assurance vie, etc. Contrairement \u00e0 l\u2019assurance individuelle, elle mutualise les risques au sein d\u2019un groupe, ce qui permet une meilleure couverture \u00e0 moindre co\u00fbt.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"bottom-line\">En Bref,<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance groupe est un \u00e9l\u00e9ment central d\u2019une strat\u00e9gie RH moderne. En offrant une couverture collective compl\u00e8te (sant\u00e9, invalidit\u00e9, vie, services de soutien) vous prot\u00e9gez vos employ\u00e9s tout en renfor\u00e7ant votre culture d\u2019entreprise, votre marque employeur et votre avantage concurrentiel.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Comme on l\u2019a vu, les types d\u2019assurance collective disponibles au Canada sont vari\u00e9s, modulables, et de plus en plus essentiels dans les r\u00e9gimes d\u2019avantages sociaux. Dans nos prochains articles, nous d\u00e9taillerons chaque type de couverture pour vous aider \u00e0 b\u00e2tir un r\u00e9gime parfaitement adapt\u00e9. <\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13779_704a33-8e{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13779_704a33-8e > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13779_704a33-8e > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13779_704a33-8e > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(55% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)))minmax(0, calc(45% - ((var(--global-kb-gap-none, 0rem ) * 1 )\/2)));}.kb-row-layout-id13779_704a33-8e{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;overflow:clip;isolation:isolate;}.kb-row-layout-id13779_704a33-8e > .kt-row-layout-overlay{border-top-left-radius:5px;border-top-right-radius:5px;border-bottom-right-radius:5px;border-bottom-left-radius:5px;}.kb-row-layout-id13779_704a33-8e{box-shadow:0px 0px 14px 0px rgba(0, 0, 0, 0.2);}.kb-row-layout-id13779_704a33-8e > .kt-row-layout-overlay{opacity:0.17;background:linear-gradient(90deg,var(--global-palette2) 3%,var(--global-palette6,#f2f0e8) 100%);}@media all and (max-width: 1024px){.kb-row-layout-id13779_704a33-8e > .kt-row-column-wrap{column-gap:var(--global-kb-gap-none, 0rem );padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id13779_704a33-8e > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id13779_704a33-8e alignnone has-theme-palette8-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column13779_e89ea1-56 > .kt-inside-inner-col,.kadence-column13779_e89ea1-56 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column13779_e89ea1-56 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13779_e89ea1-56 > .kt-inside-inner-col{flex-direction:column;}.kadence-column13779_e89ea1-56 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13779_e89ea1-56 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13779_e89ea1-56{position:relative;}@media all and (max-width: 1024px){.kadence-column13779_e89ea1-56 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13779_e89ea1-56 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13779_e89ea1-56\"><div class=\"kt-inside-inner-col\"><style>.kadence-column13779_6fccaa-16 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column13779_6fccaa-16{--kb-section-setting-offset:90px;}.kadence-column13779_6fccaa-16 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column13779_6fccaa-16 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13779_6fccaa-16 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13779_6fccaa-16 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13779_6fccaa-16{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_6fccaa-16{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_6fccaa-16 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13779_6fccaa-16 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13779_6fccaa-16{text-align:left;}.kadence-column13779_6fccaa-16{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13779_6fccaa-16{align-self:flex-start;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13779_6fccaa-16{align-self:auto;}}@media all and 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o-sticky-scope-main-area o-sticky-pos-top o-sticky-bhvr-keep\" data-aos=\"fade-right\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13779_253a8e-70, .wp-block-kadence-advancedheading.kt-adv-heading13779_253a8e-70[data-kb-block=\"kb-adv-heading13779_253a8e-70\"]{font-size:var(--global-kb-font-size-lg, 2rem);font-style:normal;font-family:var( --global-heading-font-family, inherit );}.wp-block-kadence-advancedheading.kt-adv-heading13779_253a8e-70 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13779_253a8e-70[data-kb-block=\"kb-adv-heading13779_253a8e-70\"] 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-heading13779_253a8e-70 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13779_253a8e-70[data-kb-block=\"kb-adv-heading13779_253a8e-70\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13779_253a8e-70, .wp-block-kadence-advancedheading.kt-adv-heading13779_253a8e-70[data-kb-block=\"kb-adv-heading13779_253a8e-70\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13779_253a8e-70, .wp-block-kadence-advancedheading.kt-adv-heading13779_253a8e-70[data-kb-block=\"kb-adv-heading13779_253a8e-70\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading13779_253a8e-70 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13779_253a8e-70\">Cr\u00e9ez un r\u00e9gime d\u2019assurance collective sur mesure<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading13779_fb2d50-59, .wp-block-kadence-advancedheading.kt-adv-heading13779_fb2d50-59[data-kb-block=\"kb-adv-heading13779_fb2d50-59\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13779_fb2d50-59 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13779_fb2d50-59[data-kb-block=\"kb-adv-heading13779_fb2d50-59\"] 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-heading13779_fb2d50-59 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13779_fb2d50-59[data-kb-block=\"kb-adv-heading13779_fb2d50-59\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13779_fb2d50-59, .wp-block-kadence-advancedheading.kt-adv-heading13779_fb2d50-59[data-kb-block=\"kb-adv-heading13779_fb2d50-59\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13779_fb2d50-59, .wp-block-kadence-advancedheading.kt-adv-heading13779_fb2d50-59[data-kb-block=\"kb-adv-heading13779_fb2d50-59\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading13779_fb2d50-59 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13779_fb2d50-59\">Travaillez avec nos experts pour concevoir un r\u00e9gime d\u2019assurance collective align\u00e9 sur vos besoins d\u2019affaires et le bien-\u00eatre de vos employ\u00e9s.<\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column13779_291e8d-c9 > .kt-inside-inner-col{display:flex;}.kadence-column13779_291e8d-c9 > .kt-inside-inner-col,.kadence-column13779_291e8d-c9 > 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svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading13779_372440-c7[data-kb-block=\"kb-adv-heading13779_372440-c7\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading13779_372440-c7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13779_372440-c7[data-kb-block=\"kb-adv-heading13779_372440-c7\"] mark.kt-highlight{font-style:normal;color:var(--global-palette6, #718096);-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-heading13779_372440-c7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13779_372440-c7[data-kb-block=\"kb-adv-heading13779_372440-c7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13779_372440-c7, .wp-block-kadence-advancedheading.kt-adv-heading13779_372440-c7[data-kb-block=\"kb-adv-heading13779_372440-c7\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13779_372440-c7[data-kb-block=\"kb-adv-heading13779_372440-c7\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13779_372440-c7, .wp-block-kadence-advancedheading.kt-adv-heading13779_372440-c7[data-kb-block=\"kb-adv-heading13779_372440-c7\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading13779_372440-c7[data-kb-block=\"kb-adv-heading13779_372440-c7\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading13779_372440-c7 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading13779_372440-c7\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_phone-square kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 448 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M400 32H48C21.49 32 0 53.49 0 80v352c0 26.51 21.49 48 48 48h352c26.51 0 48-21.49 48-48V80c0-26.51-21.49-48-48-48zM94 416c-7.033 0-13.057-4.873-14.616-11.627l-14.998-65a15 15 0 0 1 8.707-17.16l69.998-29.999a15 15 0 0 1 17.518 4.289l30.997 37.885c48.944-22.963 88.297-62.858 110.781-110.78l-37.886-30.997a15.001 15.001 0 0 1-4.289-17.518l30-69.998a15 15 0 0 1 17.16-8.707l65 14.998A14.997 14.997 0 0 1 384 126c0 160.292-129.945 290-290 290z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\"><a href=\"tel:1-866-760-3993\" data-type=\"tel\" data-id=\"tel:1-866-760-3993\"><mark class=\"kt-highlight\">Appelez-nous d\u00e8s maintenant pour une estimation gratuite  <\/mark><\/a><\/span><\/p>\n\n<style>.wp-block-kadence-advancedbtn.kb-btns13779_c99ee8-ef{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-end;align-items:center;}.kt-btns13779_c99ee8-ef 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kb-buttons-wrap kb-btns13779_c99ee8-ef\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn13779_1f70bd-e3.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn13779_1f70bd-e3.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn13779_1f70bd-e3 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit kt-btn-has-text-true kt-btn-has-svg-true wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/twinn.ca\/fr\/contact\/\"><span class=\"kt-btn-inner-text\">Contacter Maintenant<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_arrowRightCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polyline points=\"12 16 16 12 12 8\"\/><line x1=\"8\" y1=\"12\" x2=\"16\" y2=\"12\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>Un salaire comp\u00e9titif attire les talents, mais c\u2019est votre programme d\u2019avantages sociaux qui les incite \u00e0 rester. Et au c\u0153ur&#8230;<\/p>\n","protected":false},"author":15,"featured_media":13501,"comment_status":"closed","ping_status":"closed","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":[101],"tags":[],"post_folder":[],"class_list":["post-13779","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-collective"],"acf":[],"taxonomy_info":{"category":[{"value":101,"label":"Assurance collective"}]},"featured_image_src_large":["https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/tech-company-employees-satisfied-with-different-types-of-group-insurance-at-their-disposal-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":101,"name":"Assurance collective","slug":"assurance-collective","term_group":0,"term_taxonomy_id":101,"taxonomy":"category","description":"","parent":0,"count":4,"filter":"raw","cat_ID":101,"category_count":4,"category_description":"","cat_name":"Assurance collective","category_nicename":"assurance-collective","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/13779","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=13779"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/13779\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/13501"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=13779"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=13779"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=13779"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=13779"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}