{"id":13801,"date":"2025-05-19T08:15:25","date_gmt":"2025-05-19T13:15:25","guid":{"rendered":"https:\/\/twinn.ca\/?p=13801"},"modified":"2025-10-13T11:54:17","modified_gmt":"2025-10-13T16:54:17","slug":"assurance-maladie-collective","status":"publish","type":"post","link":"https:\/\/twinn.ca\/fr\/assurance-maladie-collective\/","title":{"rendered":"Assurance maladie collective : guide pour employeurs"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\" style=\"padding-top:var(--wp--preset--spacing--50)\">Au Canada, plus de 90\u202f% des employeurs offrent des avantages sant\u00e9 pour attirer et fid\u00e9liser les talents, et ce n\u2019est pas un hasard. Avec l\u2019\u00e9volution des attentes en milieu de travail, l\u2019assurance maladie collective est devenue un pilier du soutien offert aux \u00e9quipes. Pour les employeurs, proposer un r\u00e9gime d\u2019assurance sant\u00e9 adapt\u00e9 aux employ\u00e9s est une strat\u00e9gie gagnante qui favorise la productivit\u00e9 et la satisfaction au travail.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ce guide vous explique en d\u00e9tail ce qu\u2019est l\u2019assurance maladie collective, comment elle fonctionne selon diff\u00e9rents contextes professionnels, et les \u00e9l\u00e9ments \u00e0 consid\u00e9rer pour choisir un r\u00e9gime qui respecte la r\u00e9glementation tout en correspondant \u00e0 votre culture d\u2019entreprise.<\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13801_b5b413-6f{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13801_b5b413-6f > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13801_b5b413-6f > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13801_b5b413-6f > 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.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-id13801_b5b413-6f{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-id13801_b5b413-6f 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-column13801_148b43-72 > .kt-inside-inner-col,.kadence-column13801_148b43-72 > .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-column13801_148b43-72 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13801_148b43-72 > .kt-inside-inner-col{flex-direction:column;}.kadence-column13801_148b43-72 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13801_148b43-72 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13801_148b43-72{position:relative;}@media all and (max-width: 1024px){.kadence-column13801_148b43-72 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13801_148b43-72 > .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-column13801_148b43-72\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13801_7ba8fb-89, .wp-block-kadence-advancedheading.kt-adv-heading13801_7ba8fb-89[data-kb-block=\"kb-adv-heading13801_7ba8fb-89\"]{text-align:left;font-style:normal;color:#020202;border-left:20px solid transparent;}.wp-block-kadence-advancedheading.kt-adv-heading13801_7ba8fb-89 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13801_7ba8fb-89[data-kb-block=\"kb-adv-heading13801_7ba8fb-89\"] 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-heading13801_7ba8fb-89 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13801_7ba8fb-89[data-kb-block=\"kb-adv-heading13801_7ba8fb-89\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13801_7ba8fb-89, .wp-block-kadence-advancedheading.kt-adv-heading13801_7ba8fb-89[data-kb-block=\"kb-adv-heading13801_7ba8fb-89\"]{border-left:20px solid transparent;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13801_7ba8fb-89, .wp-block-kadence-advancedheading.kt-adv-heading13801_7ba8fb-89[data-kb-block=\"kb-adv-heading13801_7ba8fb-89\"]{border-left:20px solid transparent;}}<\/style>\n<h3 class=\"kt-adv-heading13801_7ba8fb-89 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13801_7ba8fb-89\">Points Cl\u00e9s<\/h3>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_96460b-80:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_96460b-80 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-items13801_96460b-80 ul.kt-svg-icon-list{grid-row-gap:20px;}.kt-svg-icon-list-items13801_96460b-80 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-items13801_96460b-80 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13801_7c7a3d-8a .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13801_7c7a3d-8a .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-13801_7c7a3d-8a\"><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>L\u2019assurance collective est la base <\/strong>d\u2019un bon programme d\u2019avantages sociaux, soutenant la sant\u00e9, la s\u00e9curit\u00e9 financi\u00e8re et le bien-\u00eatre.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_f7db62-ef .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13801_f7db62-ef .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-13801_f7db62-ef\"><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 collective<\/strong> incluent l\u2019assurance sant\u00e9, vie, invalidit\u00e9, ainsi que les programmes d\u2019aide aux employ\u00e9s et autres options modulables.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_b7cec9-05 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13801_b7cec9-05 .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-13801_b7cec9-05\"><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 premiers acc\u00e8dent \u00e0 de meilleurs soins et \u00e0 une tranquillit\u00e9 d\u2019esprit, les seconds am\u00e9liorent la r\u00e9tention, le moral et la performance.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_1ac54d-96 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13801_1ac54d-96 .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-13801_1ac54d-96\"><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>Le choix du r\u00e9gime doit refl\u00e9ter les besoins des employ\u00e9s<\/strong>, les obligations r\u00e9glementaires et les valeurs de l\u2019organisation, que ce soit en Ontario, au Qu\u00e9bec ou ailleurs.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_80bf4b-55 .kt-svg-icon-list-single{color:var(--global-palette2, #2B6CB0) !important;}.kt-svg-icon-list-item-13801_80bf4b-55 .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-13801_80bf4b-55\"><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 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-health-insurance-1\">Qu\u2019est-ce que l\u2019Assurance Maladie Collective?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Avant d\u2019examiner les options de couverture et le design des r\u00e9gimes, commen\u00e7ons par une question essentielle : qu\u2019est-ce que l\u2019assurance maladie collective et pourquoi est-elle si importante pour votre organisation?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019assurance maladie collective d\u00e9signe un r\u00e9gime achet\u00e9 par un employeur (ou une association) afin d\u2019offrir une couverture sant\u00e9 \u00e0 ses employ\u00e9s. Contrairement aux assurances individuelles, ces r\u00e9gimes partagent les risques entre tous les membres du groupe, ce qui permet d\u2019offrir des primes plus abordables et un acc\u00e8s \u00e9largi aux soins. Au Canada, l\u2019assurance maladie collective couvre g\u00e9n\u00e9ralement les m\u00e9dicaments sur ordonnance, les soins dentaires et de la vue, les services en sant\u00e9 mentale, et plus encore selon le fournisseur et le niveau de protection choisi.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais que repr\u00e9sente vraiment l\u2019assurance maladie collective pour votre entreprise? Bien au-del\u00e0 des soins, elle offre une tranquillit\u00e9 d\u2019esprit, une fid\u00e9lisation accrue du personnel et refl\u00e8te vos valeurs organisationnelles. Elle s\u2019inscrit aussi dans une offre plus large d\u2019<a href=\"https:\/\/twinn.ca\/fr\/types-assurance-collective\/\" data-type=\"link\" data-id=\"https:\/\/twinn.ca\/fr\/types-assurance-collective\/\">assurance collective<\/a> pour constituer un ensemble d\u2019avantages sociaux complet.<\/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>\u00c0 retenir :<\/strong> D\u2019apr\u00e8s le <a href=\"https:\/\/www.peoplecorporation.com\/fr-ca\/blogue\/tous-les-articles\/sondage-sanofi-canada-sur-les-soins-de-sante-resultats-de-ledition-de-2020\" target=\"_blank\" rel=\"noopener\">sondage Sanofi Canada<\/a> sur les soins de sant\u00e9, 86\u202f% des r\u00e9pondants estiment que leur r\u00e9gime d\u2019avantages sant\u00e9 est un facteur important dans le choix d\u2019un emploi.<\/p>\n<\/blockquote>\n\n\n<style>.kb-image13801_86f0bb-96 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image13801_86f0bb-96\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/professional-woman-deciding-between-job-offers-asking-employers-what-is-group-health-insurance-at-these-companies.webp\" alt=\"Une femme professionnelle qui d\u00e9cide entre les offres d\u2019emploi demande aux employeurs ce qu\u2019est l'offre d\u2019assurance maladie collective dans ces entreprises\" class=\"kb-img wp-image-13518\" title=\"Femme professionnelle qui d\u00e9cide entre des offres d\u2019emploi - Demander aux employeurs ce qu\u2019est l\u2019assurance maladie collective dans ces entreprises\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/professional-woman-deciding-between-job-offers-asking-employers-what-is-group-health-insurance-at-these-companies.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/professional-woman-deciding-between-job-offers-asking-employers-what-is-group-health-insurance-at-these-companies-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/professional-woman-deciding-between-job-offers-asking-employers-what-is-group-health-insurance-at-these-companies-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"how-does-group-health-insurance-work\">Comment fonctionne l\u2019assurance maladie collective?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voici un aper\u00e7u rapide du fonctionnement typique :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Choix du r\u00e9gime par l\u2019employeur :<\/strong> L\u2019employeur collabore avec un conseiller en avantages sociaux pour choisir un r\u00e9gime (ou plusieurs options) adapt\u00e9 \u00e0 son budget et aux besoins de son \u00e9quipe. Cela peut aller d\u2019une couverture de base \u00e0 des r\u00e9gimes plus complets incluant soins dentaires, de la vue, sant\u00e9 mentale, etc. <\/li>\n\n\n\n<li><strong>Les employ\u00e9s s\u2019inscrivent :<\/strong> Une fois le r\u00e9gime mis en place, les employ\u00e9s admissibles peuvent s\u2019y inscrire, souvent pendant une p\u00e9riode d\u2019adh\u00e9sion d\u00e9termin\u00e9e. Au Qu\u00e9bec, l\u2019adh\u00e9sion est obligatoire si l\u2019employ\u00e9 ne dispose pas d\u00e9j\u00e0 d\u2019une couverture \u00e9quivalente. <\/li>\n\n\n\n<li><strong>Partage des co\u00fbts :<\/strong> Les primes sont g\u00e9n\u00e9ralement partag\u00e9es entre l\u2019employeur et les employ\u00e9s. Par exemple, une entreprise peut couvrir 75\u202f% de la prime mensuelle, les 25\u202f% restants \u00e9tant d\u00e9duits directement du salaire de l\u2019employ\u00e9. <\/li>\n\n\n\n<li><strong>R\u00e9clamations et remboursements :<\/strong> Les employ\u00e9s acc\u00e8dent aux soins et soumettent leurs demandes de remboursement via le portail ou l\u2019application de l\u2019assureur. Selon le r\u00e9gime, les frais peuvent \u00eatre rembours\u00e9s directement ou apr\u00e8s paiement initial. <\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Gr\u00e2ce \u00e0 une gestion centralis\u00e9e au niveau du groupe, les d\u00e9marches sont simplifi\u00e9es pour les employ\u00e9s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"who-is-eligible-for-group-health-coverage\">Qui est admissible \u00e0 l\u2019assurance maladie collective?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019admissibilit\u00e9 \u00e0 l\u2019assurance maladie collective commence g\u00e9n\u00e9ralement avec le statut d\u2019employ\u00e9 \u00e0 temps plein ou \u00e0 temps partiel permanent. Cela dit, les crit\u00e8res pr\u00e9cis varient selon l\u2019employeur et l\u2019assureur. Certaines entreprises offrent une couverture aux employ\u00e9s contractuels ou saisonniers, tandis que d\u2019autres limitent l\u2019acc\u00e8s apr\u00e8s une p\u00e9riode de probation. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la plupart des cas, les personnes \u00e0 charge, comme le conjoint ou les enfants, peuvent aussi \u00eatre couvertes par le r\u00e9gime de l\u2019employ\u00e9. Il est essentiel de consulter les d\u00e9tails de votre police pour savoir qui est admissible et \u00e0 partir de quand la couverture s\u2019applique. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"what-s-typically-covered-under-group-health-insurance-plans\">Qu\u2019est-ce qui est couvert par l\u2019assurance collective maladie?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Voyons ce qu\u2019un r\u00e9gime de soins de sant\u00e9 standard au Canada comprend et quelles options les employeurs peuvent personnaliser.<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull\" style=\"padding-bottom:var(--wp--preset--spacing--40)\"><table><thead><tr><th><strong>Cat\u00e9gorie de couverture<\/strong><\/th><th><strong>Inclus habituellement<\/strong><\/th><\/tr><\/thead><tbody><tr><td>M\u00e9dicaments sur ordonnance<\/td><td>70 \u00e0 100\u202f% de remboursement <\/td><\/tr><tr><td>Services param\u00e9dicaux<\/td><td>Chiropraticien, physioth\u00e9rapie, massage, psychologue<\/td><\/tr><tr><td>Soins de la vue<\/td><td>Examens de la vue, remboursement des lunettes et des lentilles<\/td><\/tr><tr><td>Soins dentaires<\/td><td>Services dentaires pr\u00e9ventifs et de restauration<\/td><\/tr><tr><td>D\u00e9placements d\u2019urgence pour raisons m\u00e9dicales<\/td><td>Couverture \u00e0 l\u2019ext\u00e9rieur des provinces ou du pays<\/td><\/tr><tr><td>Hospitalisation<\/td><td>Chambre semi-priv\u00e9e ou priv\u00e9e<\/td><\/tr><tr><td>Services de sant\u00e9 virtuels<\/td><td>T\u00e9l\u00e9m\u00e9decine, plateformes de th\u00e9rapie num\u00e9rique<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"optional-add-on-benefits\">Avantages optionnels<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Parfois, offrir un peu plus que la base peut faire toute la diff\u00e9rence, surtout pour attirer des talents ou favoriser le bien-\u00eatre global des employ\u00e9s. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ajouts optionnels \u00e0 consid\u00e9rer :<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Comptes de d\u00e9penses de sant\u00e9 (CGS) :<\/strong> Montant non imposable que les employ\u00e9s peuvent utiliser pour des soins non couverts par le r\u00e9gime de base.<\/li>\n\n\n\n<li><strong>Comptes bien-\u00eatre :<\/strong> Remboursement pour les abonnements \u00e0 un gym, applications de sant\u00e9 ou \u00e9quipements ergonomiques.<\/li>\n\n\n\n<li><strong>Couverture maladies graves :<\/strong> Versement d\u2019un montant forfaitaire \u00e0 l\u2019employ\u00e9 en cas de diagnostic de maladie grave (cancer, AVC, etc.).<\/li>\n\n\n\n<li><strong>Soutien \u00e0 la fertilit\u00e9 et \u00e0 la planification familiale :<\/strong> Une option de plus en plus pr\u00e9sente dans les r\u00e9gimes inclusifs.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Les r\u00e9gimes d\u2019assurance maladie collective peuvent \u00eatre flexibles ou standards, selon l\u2019assureur. Les r\u00e9gimes modulaires permettent aux employ\u00e9s de choisir des options selon leurs besoins, alors que les r\u00e9gimes fixes garantissent une uniformit\u00e9. Pour les PME qui envisagent une assurance maladie collective au Canada, plusieurs fournisseurs proposent aujourd\u2019hui des formules simplifi\u00e9es, faciles \u00e0 g\u00e9rer et \u00e0 administrer.  <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"designing-a-group-health-insurance-plan\">Conception d\u2019un r\u00e9gime d\u2019assurance maladie collective<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Concevoir un r\u00e9gime d\u2019assurance maladie collective, c\u2019est une occasion de d\u00e9finir le type de milieu de travail que vous souhaitez b\u00e2tir. L\u2019enjeu est de trouver le bon \u00e9quilibre entre une couverture r\u00e9ellement utile pour vos employ\u00e9s et une structure viable pour votre entreprise. Choisir un fournisseur, \u00e9tablir un budget, analyser les besoins&#8230; tout ram\u00e8ne \u00e0 une question fondamentale : qu\u2019est-ce que l\u2019assurance maladie collective dans le contexte de votre organisation?  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici les \u00e9l\u00e9ments cl\u00e9s \u00e0 consid\u00e9rer pour concevoir un r\u00e9gime efficace et durable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"1-understand-your-team-s-needs\">1. Comprendre les besoins de votre \u00e9quipe<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un bon r\u00e9gime d\u2019assurance maladie collective commence par bien conna\u00eetre vos employ\u00e9s. Les besoins d\u2019un d\u00e9veloppeur de 22 ans qui d\u00e9bute sont tr\u00e8s diff\u00e9rents de ceux d\u2019un gestionnaire de 45 ans avec une famille. C\u2019est pourquoi il est essentiel d\u2019adopter une approche r\u00e9fl\u00e9chie et bas\u00e9e sur des donn\u00e9es avant de choisir une couverture.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Commencez par recueillir des retours, via un sondage anonyme ou quelques questions cibl\u00e9es lors des \u00e9valuations de performance ou de l\u2019int\u00e9gration. Des outils comme <a href=\"https:\/\/workspace.google.com\/intl\/fr_ca\/products\/forms\/\" target=\"_blank\" rel=\"noopener\">Google Forms<\/a>, <a href=\"https:\/\/www.typeform.com\/try\/typeformbrand?gclsrc=aw.ds&amp;&amp;tf_campaign=US_CA-Brand-Core-English-Combined_18008307779&amp;tf_source=google&amp;tf_medium=paid&amp;tf_content=163846807421_712286961333&amp;tf_term=typeform&amp;tf_dv=c&amp;tf_matchtype=e&amp;tf_location=1002604&amp;gad_source=1&amp;gad_campaignid=18008307779&amp;gbraid=0AAAAADLdz03OzhDEVkeuNervv_7MLVjh9&amp;gclid=Cj0KCQjwiqbBBhCAARIsAJSfZkYtoMKGfS30bPcdA0TKB5u5DGl7tUmqPrBIx5JzgBPE4xoyXQyw9CkaAmm1EALw_wcB&amp;gclsrc=aw.ds\" target=\"_blank\" rel=\"noopener\">Typeform <\/a>ou les sondages rapides int\u00e9gr\u00e9s \u00e0 votre logiciel RH facilitent cette d\u00e9marche.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici quelques questions utiles \u00e0 poser \u00e0 votre \u00e9quipe :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Quelles couvertures sant\u00e9 vous paraissent prioritaires ? (ex. : soins dentaires, sant\u00e9 mentale, vision, m\u00e9dicaments) <\/li>\n\n\n\n<li>Avez-vous d\u00e9j\u00e0 renonc\u00e9 \u00e0 des soins parce qu\u2019ils n\u2019\u00e9taient pas couverts par votre r\u00e9gime actuel ?<\/li>\n\n\n\n<li>Utiliseriez-vous des services comme la th\u00e9rapie virtuelle, des applications bien-\u00eatre ou un coaching sant\u00e9 si c\u2019\u00e9tait couvert ?<\/li>\n\n\n\n<li>Avez-vous des personnes \u00e0 charge (enfants, conjoint, parents \u00e2g\u00e9s) qui d\u00e9pendent de vos avantages sant\u00e9 ?<\/li>\n\n\n\n<li>\u00cates-vous satisfait des avantages dont vous b\u00e9n\u00e9ficiez actuellement ?<\/li>\n\n\n\n<li>Que faudrait-il pour rendre votre r\u00e9gime plus complet ?<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Pas besoin de tout demander d\u2019un coup; commencez petit et construisez une image claire au fil du temps.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Plus vous comprenez la d\u00e9mographie, les \u00e9tapes de vie et les priorit\u00e9s sant\u00e9 de votre \u00e9quipe, mieux vous serez plac\u00e9 pour concevoir un r\u00e9gime adapt\u00e9. Comprendre ce qu\u2019est l\u2019assurance maladie collective, c\u2019est bien; savoir ce que votre \u00e9quipe en attend, c\u2019est l\u00e0 que r\u00e9side l\u2019impact r\u00e9el. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"2-choose-the-right-type-of-plan\">2. Choisissez le bon type de r\u00e9gime<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Au Canada, on distingue g\u00e9n\u00e9ralement trois types de r\u00e9gimes d\u2019assurance maladie collective :<\/p>\n\n\n\n<figure class=\"wp-block-table alignfull\" style=\"padding-bottom:var(--wp--preset--spacing--40)\"><table><thead><tr><th><strong>Type de r\u00e9gime<\/strong><\/th><th><strong>Descriptif<\/strong><\/th><th><strong>Id\u00e9al pour<\/strong><\/th><\/tr><\/thead><tbody><tr><td><strong>R\u00e9gime traditionnel<\/strong><\/td><td>Tous les employ\u00e9s re\u00e7oivent le m\u00eame ensemble d\u2019avantages sociaux<\/td><td>Simplification de l\u2019administration, uniformit\u00e9<\/td><\/tr><tr><td><strong>R\u00e9gime modulaire\/flexible<\/strong><\/td><td>Les employ\u00e9s choisissent parmi une s\u00e9lection de r\u00e9gimes d\u2019avantages sociaux ou d\u2019options<\/td><td>Des \u00e9quipes diversifi\u00e9es, des besoins personnalis\u00e9s<\/td><\/tr><tr><td><strong>R\u00e9gime hybride<\/strong><\/td><td>Combine une couverture de base avec des options optionnelles comme des CGS ou des comptes de bien-\u00eatre<\/td><td>Petites entreprises, gestion des co\u00fbts<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">Pour les entreprises qui explorent l\u2019assurance sant\u00e9 collective pour les petites entreprises, certains assureurs offrent maintenant des r\u00e9gimes modulaires simplifi\u00e9s qui combinent facilit\u00e9 d\u2019utilisation et un certain degr\u00e9 de personnalisation. Ceux-ci allient flexibilit\u00e9 et facilit\u00e9 d\u2019utilisation, ce qui en fait un excellent point de d\u00e9part si vous d\u00e9butez dans l\u2019offre d\u2019avantages. <\/p>\n<\/blockquote>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"how-to-choose-the-right-approach\">Comment choisir la bonne approche<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque vous choisissez entre ces options, posez-vous les questions suivantes :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_c29e27-75:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_c29e27-75 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-items13801_c29e27-75 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_c29e27-75 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13801_c29e27-75 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-items13801_c29e27-75 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13801_2ba8f4-e7 .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-13801_2ba8f4-e7\"><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>Quelle est la diversit\u00e9 des besoins de vos employ\u00e9s?<\/strong><br>Si votre \u00e9quipe est compos\u00e9e de groupes d\u2019\u00e2ge, de configurations familiales et de modes de vie diff\u00e9rents, les r\u00e9gimes flexibles peuvent offrir une meilleure satisfaction et une meilleure valeur per\u00e7ue.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_149515-05 .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-13801_149515-05\"><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>Quelle est votre capacit\u00e9 administrative?<\/strong><br>Les petites \u00e9quipes sans RH d\u00e9di\u00e9es peuvent pr\u00e9f\u00e9rer la simplicit\u00e9 d\u2019un plan traditionnel. Mais de nombreux assureurs offrent maintenant des plateformes conviviales qui rendent les r\u00e9gimes modulaires plus faciles \u00e0 g\u00e9rer, m\u00eame pour les startups. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_90b590-1f .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-13801_90b590-1f\"><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>Quel est votre budget d\u2019avantages sociaux?<\/strong><br>Les r\u00e9gimes modulaires ou traditionnels avec options peuvent \u00eatre adapt\u00e9s \u00e0 diff\u00e9rents niveaux de co\u00fbts. Si vous devez contr\u00f4ler vos d\u00e9penses, commencez avec une couverture de base et ajoutez des options via un compte de gestion sant\u00e9 (CGS) ou un compte bien-\u00eatre. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_5446ec-4d .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-13801_5446ec-4d\"><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>Quelle importance accordez-vous au choix des employ\u00e9s ?<\/strong><br>Offrir deux ou trois options peut renforcer leur sentiment d\u2019autonomie et am\u00e9liorer la satisfaction, sans augmenter excessivement les co\u00fbts.<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Comprendre ce qu\u2019est l\u2019assurance maladie collective, c\u2019est aussi admettre qu\u2019il n\u2019y a pas de r\u00e9gime universel. Vos avantages doivent refl\u00e9ter vos employ\u00e9s <em>et<\/em> vos priorit\u00e9s.<\/p>\n\n\n<style>.kb-image13801_b19fce-d2 .kb-image-has-overlay:after{opacity:0.3;}<\/style>\n<figure class=\"wp-block-kadence-image kb-image13801_b19fce-d2 size-full\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/group-healthy-employees-is-using-laptop-at-work-what-is-group-health-insurance.webp\" alt=\"\" class=\"kb-img wp-image-13522\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/group-healthy-employees-is-using-laptop-at-work-what-is-group-health-insurance.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/group-healthy-employees-is-using-laptop-at-work-what-is-group-health-insurance-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/group-healthy-employees-is-using-laptop-at-work-what-is-group-health-insurance-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"3-budgeting-and-cost-sharing-strategies-1\">3. Budget et partage des co\u00fbts<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019un des d\u00e9fis fr\u00e9quents est de bien pr\u00e9voir le budget, surtout pour une petite ou moyenne entreprise.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au Canada, le co\u00fbt moyen d\u2019un r\u00e9gime d\u2019assurance maladie collective varie entre 600 $ et 3 000 $ par an et par employ\u00e9, selon la couverture, le design du r\u00e9gime et les tarifs de l\u2019assureur. Ce co\u00fbt augmente avec des r\u00e9gimes plus complets ou des avantages suppl\u00e9mentaires comme l\u2019orthodontie ou une couverture sant\u00e9 mentale \u00e9tendue. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La plupart des PME contribuent entre <a href=\"https:\/\/assurancecollectiveenligne.ca\/assurance-collective-part-de-l-employeur\/\" data-type=\"link\" data-id=\"https:\/\/assurancecollectiveenligne.ca\/assurance-collective-part-de-l-employeur\/\" target=\"_blank\" rel=\"noopener\">25% et 50%<\/a> des primes, les r\u00e9gimes enti\u00e8rement pay\u00e9s par l\u2019employeur \u00e9tant un avantage appr\u00e9ci\u00e9 dans un march\u00e9 comp\u00e9titif. Pour les PME, le partage des co\u00fbts, o\u00f9 l\u2019employ\u00e9 contribue \u00e0 une part de la prime, est courant pour offrir une couverture significative sans d\u00e9passer le budget.<\/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>Conseil :<\/strong> Si vous h\u00e9sitez sur le budget, commencez avec un r\u00e9gime de base modeste et proposez des options compl\u00e9mentaires que les employ\u00e9s peuvent choisir et financer eux-m\u00eames (CGS, comptes bien-\u00eatre).<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Autres co\u00fbts \u00e0 pr\u00e9voir :<\/strong><\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_5def92-f6:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_5def92-f6 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-items13801_5def92-f6 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_5def92-f6 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13801_5def92-f6 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-items13801_5def92-f6 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13801_0441b0-26 .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-13801_0441b0-26\"><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>Augmentation annuelle des primes<\/strong> (surtout apr\u00e8s des ann\u00e9es de forte utilisation)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_69ac69-35 .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-13801_69ac69-35\"><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>Frais administratifs<\/strong> des assureurs ou gestionnaires tiers<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_a4c26c-e7 .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-13801_a4c26c-e7\"><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>Traitement des d\u00e9ductions <\/strong>sur la paie (surtout avec plusieurs niveaux de r\u00e9gime)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_3b5f76-4d .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-13801_3b5f76-4d\"><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>Temps d\u00e9di\u00e9 \u00e0 la formation<\/strong> et \u00e0 l\u2019information des employ\u00e9s<\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Un court \u00e9change avec un conseiller ou courtier en avantages sociaux agr\u00e9\u00e9 peut vous aider \u00e0 pr\u00e9voir vos co\u00fbts \u00e0 court et long terme, choisir le bon assureur, et \u00e9viter les mauvaises surprises au renouvellement.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"4-select-a-provider-that-fits-your-culture\">4. Choisissez un fournisseur qui correspond \u00e0 votre culture<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le choix de l\u2019assureur ne se fait pas qu\u2019au prix le plus bas ; il s\u2019agit aussi de trouver un partenaire qui correspond \u00e0 votre organisation. Lors de la comparaison des fournisseurs d\u2019assurance maladie collective, \u00e9valuez leur exp\u00e9rience, leur flexibilit\u00e9, et le soutien qu\u2019ils apportent \u00e0 vos employ\u00e9s. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Voici ce qu\u2019il faut \u00e9valuer lors de la comparaison des fournisseurs :<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table alignfull\" style=\"padding-bottom:var(--wp--preset--spacing--40)\"><table><thead><tr><th>Crit\u00e8re<\/th><th>Pourquoi c\u2019est important<\/th><\/tr><\/thead><tbody><tr><td><strong>Exp\u00e9rience num\u00e9rique<\/strong><\/td><td>Vos employ\u00e9s peuvent-ils soumettre leurs demandes en ligne rapidement ? Ou doivent-ils faxer des formulaires comme en 1997 ?<\/td><\/tr><tr><td><strong>Rapidit\u00e9 de remboursement<\/strong><\/td><td>Un traitement rapide = employ\u00e9s satisfaits. Certains assureurs remboursent sous 24 \u00e0 48 heures. <\/td><\/tr><tr><td><strong>Service client<\/strong><\/td><td>Les repr\u00e9sentants du support sont-ils faciles \u00e0 joindre? L\u2019aide est-elle disponible en fran\u00e7ais et en anglais? C\u2019est important au Qu\u00e9bec.  <\/td><\/tr><tr><td><strong>R\u00e9seau des soins de sant\u00e9<\/strong><\/td><td>L\u2019assureur collabore-t-il avec des cliniques, dentistes ou pharmacies locales utilis\u00e9es par vos employ\u00e9s ?<\/td><\/tr><tr><td><strong>Flexibilit\u00e9 du r\u00e9gime<\/strong><\/td><td>Propose-t-il des r\u00e9gimes traditionnels, modulaires ou hybrides adapt\u00e9s aux PME ?<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Renseignez-vous aussi sur l\u2019accompagnement \u00e0 l\u2019int\u00e9gration. Certains assureurs offrent des outils RH, webinaires ou kits de bienvenue pour faciliter l\u2019\u00e9ducation des employ\u00e9s. Ces ressources vous font gagner du temps et augmentent l\u2019adh\u00e9sion.  <\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13801_7d3ceb-d8{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13801_7d3ceb-d8 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13801_7d3ceb-d8 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13801_7d3ceb-d8 > .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-id13801_7d3ceb-d8{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-id13801_7d3ceb-d8 > .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-id13801_7d3ceb-d8 > .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-id13801_7d3ceb-d8 > .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-id13801_7d3ceb-d8 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id13801_7d3ceb-d8 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-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column13801_0c3b99-a7 > .kt-inside-inner-col,.kadence-column13801_0c3b99-a7 > .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-column13801_0c3b99-a7 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13801_0c3b99-a7 > .kt-inside-inner-col{flex-direction:column;}.kadence-column13801_0c3b99-a7 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13801_0c3b99-a7 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13801_0c3b99-a7{position:relative;}@media all and (max-width: 1024px){.kadence-column13801_0c3b99-a7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13801_0c3b99-a7 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13801_0c3b99-a7\"><div class=\"kt-inside-inner-col\"><style>.kadence-column13801_74c83c-21 > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column13801_74c83c-21{--kb-section-setting-offset:90px;}.kadence-column13801_74c83c-21 > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column13801_74c83c-21 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13801_74c83c-21 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13801_74c83c-21 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13801_74c83c-21{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_74c83c-21{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_74c83c-21 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13801_74c83c-21 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13801_74c83c-21{text-align:left;}.kadence-column13801_74c83c-21{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13801_74c83c-21{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-column13801_74c83c-21{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_74c83c-21 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column13801_74c83c-21 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13801_74c83c-21{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_74c83c-21{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_74c83c-21 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13801_74c83c-21 > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13801_74c83c-21 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-heading13801_d7bda2-d5, .wp-block-kadence-advancedheading.kt-adv-heading13801_d7bda2-d5[data-kb-block=\"kb-adv-heading13801_d7bda2-d5\"]{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-heading13801_d7bda2-d5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13801_d7bda2-d5[data-kb-block=\"kb-adv-heading13801_d7bda2-d5\"] 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-heading13801_d7bda2-d5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13801_d7bda2-d5[data-kb-block=\"kb-adv-heading13801_d7bda2-d5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13801_d7bda2-d5, .wp-block-kadence-advancedheading.kt-adv-heading13801_d7bda2-d5[data-kb-block=\"kb-adv-heading13801_d7bda2-d5\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13801_d7bda2-d5, .wp-block-kadence-advancedheading.kt-adv-heading13801_d7bda2-d5[data-kb-block=\"kb-adv-heading13801_d7bda2-d5\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading13801_d7bda2-d5 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13801_d7bda2-d5\">Laissez-nous \u00e9laborer votre r\u00e9gime d\u2019assurance maladie collective<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading13801_1b762d-f4, .wp-block-kadence-advancedheading.kt-adv-heading13801_1b762d-f4[data-kb-block=\"kb-adv-heading13801_1b762d-f4\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13801_1b762d-f4 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13801_1b762d-f4[data-kb-block=\"kb-adv-heading13801_1b762d-f4\"] 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-heading13801_1b762d-f4 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13801_1b762d-f4[data-kb-block=\"kb-adv-heading13801_1b762d-f4\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13801_1b762d-f4, .wp-block-kadence-advancedheading.kt-adv-heading13801_1b762d-f4[data-kb-block=\"kb-adv-heading13801_1b762d-f4\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13801_1b762d-f4, .wp-block-kadence-advancedheading.kt-adv-heading13801_1b762d-f4[data-kb-block=\"kb-adv-heading13801_1b762d-f4\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading13801_1b762d-f4 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13801_1b762d-f4\">D\u00e9couvrez comment un r\u00e9gime personnalis\u00e9 peut augmenter la satisfaction et la r\u00e9tention de vos employ\u00e9s. <\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column13801_63e8a1-9c > .kt-inside-inner-col{display:flex;}.kadence-column13801_63e8a1-9c > .kt-inside-inner-col,.kadence-column13801_63e8a1-9c > .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-column13801_63e8a1-9c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13801_63e8a1-9c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13801_63e8a1-9c > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13801_63e8a1-9c{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_63e8a1-9c{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_63e8a1-9c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13801_63e8a1-9c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13801_63e8a1-9c{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13801_63e8a1-9c{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_63e8a1-9c{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_63e8a1-9c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column13801_63e8a1-9c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13801_63e8a1-9c{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_63e8a1-9c{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_63e8a1-9c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13801_63e8a1-9c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13801_63e8a1-9c\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5, .wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5[data-kb-block=\"kb-adv-heading13801_c50b00-f5\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:right;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5[data-kb-block=\"kb-adv-heading13801_c50b00-f5\"]{display:flex;gap:0.25em;justify-content:right;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5[data-kb-block=\"kb-adv-heading13801_c50b00-f5\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5[data-kb-block=\"kb-adv-heading13801_c50b00-f5\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5[data-kb-block=\"kb-adv-heading13801_c50b00-f5\"] 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-heading13801_c50b00-f5 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5[data-kb-block=\"kb-adv-heading13801_c50b00-f5\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5, .wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5[data-kb-block=\"kb-adv-heading13801_c50b00-f5\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5[data-kb-block=\"kb-adv-heading13801_c50b00-f5\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5, .wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5[data-kb-block=\"kb-adv-heading13801_c50b00-f5\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading13801_c50b00-f5[data-kb-block=\"kb-adv-heading13801_c50b00-f5\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading13801_c50b00-f5 wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading13801_c50b00-f5\"><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-btns13801_cdf387-cc{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-end;align-items:center;}.kt-btns13801_cdf387-cc .kt-button{font-weight:normal;font-style:normal;}.kt-btns13801_cdf387-cc .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns13801_cdf387-cc .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns13801_cdf387-cc .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13801_cdf387-cc .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns13801_cdf387-cc .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns13801_cdf387-cc .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13801_cdf387-cc .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns13801_cdf387-cc{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns13801_cdf387-cc{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns13801_cdf387-cc\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn13801_8fdc30-86.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn13801_8fdc30-86.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn13801_8fdc30-86 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=\"5-align-the-plan-with-organizational-strategy\">5. Aligner le r\u00e9gime \u00e0 la strat\u00e9gie organisationnelle<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un r\u00e9gime bien pens\u00e9 vous aide \u00e0 attirer les meilleurs talents, retenir vos employ\u00e9s, et b\u00e2tir une \u00e9quipe engag\u00e9e et en sant\u00e9. Comment ? En faisant en sorte que votre r\u00e9gime refl\u00e8te les objectifs et valeurs plus larges de votre entreprise.   <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"attracting-talent\">Attirer les talents<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"> Dans des secteurs comp\u00e9titifs comme la tech, la sant\u00e9 ou la finance, un r\u00e9gime d\u2019assurance maladie collective complet (couverture sant\u00e9 mentale, soutien \u00e0 la fertilit\u00e9, comptes flexibles) peut faire la diff\u00e9rence. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"reducing-turnover\">R\u00e9duire le roulement<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\"> Le taux de d\u00e9part \u00e9lev\u00e9 co\u00fbte cher. Fid\u00e9liser via un bon programme d\u2019avantages signifie aussi faire \u00e9voluer la couverture dans le temps. Demandez r\u00e9guli\u00e8rement des retours et ajustez votre r\u00e9gime. Au-del\u00e0 de la base, pensez aux options qui r\u00e9pondent aux pr\u00e9occupations fr\u00e9quentes des employ\u00e9s : protection du revenu en cas d\u2019absence maladie, couverture additionnelle pour les personnes \u00e0 charge. Ces am\u00e9liorations montrent que vous avez r\u00e9fl\u00e9chi aux besoins r\u00e9els.    <\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"supporting-a-wellness-culture\">Soutenir une culture du mieux-\u00eatre<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Les avantages doivent aller au-del\u00e0 du soin r\u00e9actif. Si vous souhaitez promouvoir la sant\u00e9 \u00e0 long terme et r\u00e9duire l\u2019absent\u00e9isme, envisagez d\u2019associer votre r\u00e9gime d\u2019assurance maladie collective \u00e0 : <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Subventions pour abonnements gym ou applis fitness<\/li>\n\n\n\n<li>Th\u00e9rapie virtuelle ou t\u00e9l\u00e9consultations 24\/7<\/li>\n\n\n\n<li>Remboursement des soins pr\u00e9ventifs<\/li>\n\n\n\n<li>Ressources de gestion du stress et du bien-\u00eatre mental<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Apr\u00e8s tout, vous ne prot\u00e9gez pas seulement vos employ\u00e9s, vous investissez en eux. Et quand ils se sentent soutenus, cela se voit dans leur productivit\u00e9, leur moral et leur fid\u00e9lit\u00e9. <\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13801_34ae42-a0{margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13801_34ae42-a0 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13801_34ae42-a0 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13801_34ae42-a0 > .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-md, 2rem);padding-bottom:var(--global-kb-spacing-md, 2rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id13801_34ae42-a0{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;overflow:clip;isolation:isolate;}.kb-row-layout-id13801_34ae42-a0 > .kt-row-layout-overlay{border-top-left-radius:12px;border-top-right-radius:12px;border-bottom-right-radius:12px;border-bottom-left-radius:12px;}.kb-row-layout-id13801_34ae42-a0 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id13801_34ae42-a0 > .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: 767px){.kb-row-layout-id13801_34ae42-a0 > .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);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id13801_34ae42-a0 alignnone has-theme-palette8-background-color 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-column13801_f82df7-b1 > .kt-inside-inner-col,.kadence-column13801_f82df7-b1 > .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-column13801_f82df7-b1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13801_f82df7-b1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column13801_f82df7-b1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13801_f82df7-b1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13801_f82df7-b1{position:relative;}@media all and (max-width: 1024px){.kadence-column13801_f82df7-b1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13801_f82df7-b1 > .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-column13801_f82df7-b1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13801_063034-b8, .wp-block-kadence-advancedheading.kt-adv-heading13801_063034-b8[data-kb-block=\"kb-adv-heading13801_063034-b8\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13801_063034-b8[data-kb-block=\"kb-adv-heading13801_063034-b8\"]{display:flex;gap:0.25em;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading13801_063034-b8[data-kb-block=\"kb-adv-heading13801_063034-b8\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading13801_063034-b8 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13801_063034-b8[data-kb-block=\"kb-adv-heading13801_063034-b8\"] 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-heading13801_063034-b8 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13801_063034-b8[data-kb-block=\"kb-adv-heading13801_063034-b8\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style><h3 class=\"kt-adv-heading13801_063034-b8 wp-block-kadence-advancedheading kt-adv-heading-has-icon has-theme-palette1-color has-text-color\" data-kb-block=\"kb-adv-heading13801_063034-b8\"><span class=\"kb-svg-icon-wrap kb-adv-heading-icon kb-svg-icon-fas_lightbulb kb-adv-heading-icon-side-left\"><svg viewBox=\"0 0 384 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M272 428v28c0 10.449-6.68 19.334-16 22.629V488c0 13.255-10.745 24-24 24h-80c-13.255 0-24-10.745-24-24v-9.371c-9.32-3.295-16-12.18-16-22.629v-28c0-6.627 5.373-12 12-12h136c6.627 0 12 5.373 12 12zm-143.107-44c-9.907 0-18.826-6.078-22.376-15.327C67.697 267.541 16 277.731 16 176 16 78.803 94.805 0 192 0s176 78.803 176 176c0 101.731-51.697 91.541-90.516 192.673-3.55 9.249-12.47 15.327-22.376 15.327H128.893zM112 176c0-44.112 35.888-80 80-80 8.837 0 16-7.164 16-16s-7.163-16-16-16c-61.757 0-112 50.243-112 112 0 8.836 7.164 16 16 16s16-7.164 16-16z\"\/><\/svg><\/span><span class=\"kb-adv-text-inner\">R\u00e9sum\u00e9 : List rapide pour planifier<\/span><\/h3>\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_d7543f-8c:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_d7543f-8c 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-items13801_d7543f-8c ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_d7543f-8c ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13801_d7543f-8c 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-items13801_d7543f-8c kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13801_a5883f-d3 .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-13801_a5883f-d3 kt-svg-icon-list-level-1\"><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\">Sondez les besoins sant\u00e9 de votre \u00e9quipe<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_fa0eb0-be .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-13801_fa0eb0-be kt-svg-icon-list-level-1\"><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\">Choisissez un type de r\u00e9gime adapt\u00e9 (traditionnel, modulaire, hybride)<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_93f8f7-50 .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-13801_93f8f7-50 kt-svg-icon-list-level-1\"><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\">Fixez un budget r\u00e9aliste et d\u00e9finissez le partage des co\u00fbts<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_c86df9-c8 .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-13801_c86df9-c8 kt-svg-icon-list-level-1\"><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\">Comparez les fournisseurs selon le service, la flexibilit\u00e9 et la compatibilit\u00e9<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_3336ad-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-13801_3336ad-91 kt-svg-icon-list-level-1\"><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\">Alignez votre r\u00e9gime \u00e0 vos objectifs RH et de r\u00e9tention<\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"regulatory-compliance-in-quebec\">Conformit\u00e9 r\u00e9glementaire au Qu\u00e9bec<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Si vous offrez une assurance sant\u00e9 collective au Qu\u00e9bec, certaines r\u00e8gles importantes s\u2019appliquent. Contrairement \u00e0 la plupart des provinces o\u00f9 les prestations compl\u00e9mentaires de sant\u00e9 sont optionnelles, le Qu\u00e9bec exige que tout r\u00e9gime collectif incluant une couverture sant\u00e9 doit imp\u00e9rativement comporter une couverture des m\u00e9dicaments sur ordonnance respectant ou d\u00e9passant les normes fix\u00e9es par la R\u00e9gie de l\u2019assurance maladie du Qu\u00e9bec (RAMQ). <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici ce qu\u2019il faut retenir pour rester conforme :<\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_05c20c-04:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_05c20c-04 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-items13801_05c20c-04 ul.kt-svg-icon-list{grid-row-gap:5px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items13801_05c20c-04 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items13801_05c20c-04 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-items13801_05c20c-04 kt-svg-icon-list-columns-1 alignnone\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-13801_d3fcfa-d7 .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-13801_d3fcfa-d7\"><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>Couverture obligatoire des m\u00e9dicaments :<\/strong> Votre r\u00e9gime doit couvrir tous les m\u00e9dicaments sur ordonnance inscrits \u00e0 la liste de la RAMQ. Ne pas respecter cette r\u00e8gle expose \u00e0 des sanctions. <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_4826ad-52 .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-13801_4826ad-52\"><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>Exigences d\u2019adh\u00e9sion :<\/strong> Les employ\u00e9s admissibles doivent \u00eatre inscrits au r\u00e9gime, sauf s\u2019ils sont d\u00e9j\u00e0 couverts par une assurance de leur conjoint.<\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-13801_4901ac-70 .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-13801_4901ac-70\"><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>Communication claire : <\/strong>Il vous incombe de fournir une information claire et compr\u00e9hensible sur la couverture offerte et les droits des employ\u00e9s. La transparence \u00e9vite la confusion et renforce la confiance. <\/span><\/li>\n<\/ul><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Le non-respect de ces r\u00e8gles peut entra\u00eener des amendes, et les employ\u00e9s risquent de basculer vers le r\u00e9gime public de la RAMQ, ce qui implique souvent des primes plus \u00e9lev\u00e9es pour eux.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"tax-considerations\">Consid\u00e9rations fiscales<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">En plus des r\u00e8gles de conformit\u00e9, il est important de comprendre le traitement fiscal des prestations d\u2019assurance sant\u00e9 collective. G\u00e9n\u00e9ralement, les primes pay\u00e9es par l\u2019employeur pour un r\u00e9gime collectif d\u2019assurance sant\u00e9, y compris la couverture des m\u00e9dicaments, sont consid\u00e9r\u00e9es comme un avantage non imposable pour les employ\u00e9s dans toutes les provinces, sauf au Qu\u00e9bec. Cela signifie que les employ\u00e9s ne paient pas d\u2019imp\u00f4t sur le revenu sur ces avantages, ce qui fait de l\u2019assurance sant\u00e9 collective une solution fiscalement avantageuse.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour l\u2019employeur, les primes pay\u00e9es sont g\u00e9n\u00e9ralement d\u00e9ductibles d\u2019imp\u00f4t en tant que d\u00e9pense d\u2019entreprise, ce qui aide \u00e0 r\u00e9duire les co\u00fbts globaux.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Conna\u00eetre ces d\u00e9tails fiscaux vous permet de structurer votre r\u00e9gime pour maximiser la valeur, tant pour votre entreprise que pour vos employ\u00e9s.<\/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\/top-view-health-insurance-form-eyeglasses-with-stethoscope-wooden-background-business-what-is-group-health-insurance.webp\" alt=\"\" class=\"wp-image-13524\" srcset=\"https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/top-view-health-insurance-form-eyeglasses-with-stethoscope-wooden-background-business-what-is-group-health-insurance.webp 1000w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/top-view-health-insurance-form-eyeglasses-with-stethoscope-wooden-background-business-what-is-group-health-insurance-300x200.webp 300w, https:\/\/twinn.ca\/wp-content\/uploads\/2025\/05\/top-view-health-insurance-form-eyeglasses-with-stethoscope-wooden-background-business-what-is-group-health-insurance-768x512.webp 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"where-group-health-insurance-fits-in-the-bigger-picture\">O\u00f9 s\u2019inscrit l\u2019assurance sant\u00e9 collective dans la strat\u00e9gie globale<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Dans la majorit\u00e9 des milieux de travail canadiens, l\u2019assurance sant\u00e9 constitue le c\u0153ur du r\u00e9gime d\u2019avantages sociaux. Elle couvre les besoins essentiels en sant\u00e9 et offre une tranquillit\u00e9 d\u2019esprit au quotidien pour votre \u00e9quipe. Partir d\u2019un r\u00e9gime sant\u00e9 solide donne \u00e0 votre organisation une base robuste pour soutenir le bien-\u00eatre des employ\u00e9s.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par la suite, l\u2019employeur peut choisir d\u2019ajouter d\u2019autres types de couvertures, comme l\u2019<a href=\"https:\/\/twinn.ca\/fr\/assurance-vie-collective\/\">assurance vie collective<\/a> ou l\u2019<a href=\"https:\/\/twinn.ca\/fr\/assurance-invalidite\/\">assurance invalidit\u00e9<\/a>, pour offrir des protections suppl\u00e9mentaires au bon moment. Ces avantages compl\u00e9mentaires peuvent s\u2019harmoniser avec votre r\u00e9gime sant\u00e9 en aidant les employ\u00e9s \u00e0 g\u00e9rer diff\u00e9rentes \u00e9tapes et d\u00e9fis de leur vie.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">L\u2019essentiel est que la couverture sant\u00e9 forme la base. Quand cette base est con\u00e7ue de mani\u00e8re r\u00e9fl\u00e9chie, conforme aux r\u00e8gles locales et align\u00e9e avec les besoins de votre \u00e9quipe, elle cr\u00e9e les conditions pour un programme d\u2019avantages sociaux efficace. <\/p>\n\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id13801_0269da-60{margin-top:var(--global-kb-spacing-sm, 1.5rem);margin-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id13801_0269da-60 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13801_0269da-60 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13801_0269da-60 > .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-id13801_0269da-60{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-id13801_0269da-60 > .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-id13801_0269da-60 > .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-id13801_0269da-60 > .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-id13801_0269da-60 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id13801_0269da-60 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-left-golden kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column13801_9b7821-7f > .kt-inside-inner-col,.kadence-column13801_9b7821-7f > .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-column13801_9b7821-7f > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13801_9b7821-7f > .kt-inside-inner-col{flex-direction:column;}.kadence-column13801_9b7821-7f > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13801_9b7821-7f > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13801_9b7821-7f{position:relative;}@media all and (max-width: 1024px){.kadence-column13801_9b7821-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13801_9b7821-7f > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13801_9b7821-7f\"><div class=\"kt-inside-inner-col\"><style>.kadence-column13801_df27df-2a > .kt-inside-inner-col{display:flex;}#wrapper.site{overflow:clip;}.kadence-column13801_df27df-2a{--kb-section-setting-offset:90px;}.kadence-column13801_df27df-2a > .kt-inside-inner-col{padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kadence-column13801_df27df-2a > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13801_df27df-2a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13801_df27df-2a > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13801_df27df-2a{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_df27df-2a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_df27df-2a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13801_df27df-2a > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13801_df27df-2a{text-align:left;}.kadence-column13801_df27df-2a{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13801_df27df-2a{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-column13801_df27df-2a{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_df27df-2a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 1024px){.kadence-column13801_df27df-2a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13801_df27df-2a{align-self:flex-start;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_df27df-2a{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_df27df-2a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}.kadence-column13801_df27df-2a > .kt-inside-inner-col{flex-direction:column;justify-content:flex-start;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13801_df27df-2a 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-heading13801_7ccc44-58, .wp-block-kadence-advancedheading.kt-adv-heading13801_7ccc44-58[data-kb-block=\"kb-adv-heading13801_7ccc44-58\"]{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-heading13801_7ccc44-58 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13801_7ccc44-58[data-kb-block=\"kb-adv-heading13801_7ccc44-58\"] 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-heading13801_7ccc44-58 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13801_7ccc44-58[data-kb-block=\"kb-adv-heading13801_7ccc44-58\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13801_7ccc44-58, .wp-block-kadence-advancedheading.kt-adv-heading13801_7ccc44-58[data-kb-block=\"kb-adv-heading13801_7ccc44-58\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13801_7ccc44-58, .wp-block-kadence-advancedheading.kt-adv-heading13801_7ccc44-58[data-kb-block=\"kb-adv-heading13801_7ccc44-58\"]{text-align:center!important;}}<\/style>\n<h4 class=\"kt-adv-heading13801_7ccc44-58 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13801_7ccc44-58\">Laissez-nous \u00e9laborer votre r\u00e9gime d\u2019assurance maladie collective<\/h4>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading13801_b8a139-60, .wp-block-kadence-advancedheading.kt-adv-heading13801_b8a139-60[data-kb-block=\"kb-adv-heading13801_b8a139-60\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13801_b8a139-60 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13801_b8a139-60[data-kb-block=\"kb-adv-heading13801_b8a139-60\"] 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-heading13801_b8a139-60 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13801_b8a139-60[data-kb-block=\"kb-adv-heading13801_b8a139-60\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13801_b8a139-60, .wp-block-kadence-advancedheading.kt-adv-heading13801_b8a139-60[data-kb-block=\"kb-adv-heading13801_b8a139-60\"]{text-align:center!important;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13801_b8a139-60, .wp-block-kadence-advancedheading.kt-adv-heading13801_b8a139-60[data-kb-block=\"kb-adv-heading13801_b8a139-60\"]{text-align:center!important;}}<\/style>\n<p class=\"kt-adv-heading13801_b8a139-60 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13801_b8a139-60\">D\u00e9couvrez comment un r\u00e9gime personnalis\u00e9 peut augmenter la satisfaction et la r\u00e9tention de vos employ\u00e9s. <\/p>\n<\/div><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column13801_b6abe6-33 > .kt-inside-inner-col{display:flex;}.kadence-column13801_b6abe6-33 > .kt-inside-inner-col,.kadence-column13801_b6abe6-33 > .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-column13801_b6abe6-33 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13801_b6abe6-33 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13801_b6abe6-33 > .kt-inside-inner-col > .aligncenter{width:100%;}.kt-row-column-wrap > .kadence-column13801_b6abe6-33{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_b6abe6-33{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_b6abe6-33 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13801_b6abe6-33 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13801_b6abe6-33{position:relative;}@media all and (max-width: 1024px){.kt-row-column-wrap > .kadence-column13801_b6abe6-33{align-self:center;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_b6abe6-33{align-self:auto;}}@media all and (max-width: 1024px){.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_b6abe6-33 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column13801_b6abe6-33 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kt-row-column-wrap > .kadence-column13801_b6abe6-33{align-self:center;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_b6abe6-33{align-self:auto;}.kt-inner-column-height-full:not(.kt-has-1-columns) > .wp-block-kadence-column.kadence-column13801_b6abe6-33 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}.kadence-column13801_b6abe6-33 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13801_b6abe6-33\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c, .wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c[data-kb-block=\"kb-adv-heading13801_3aaa2c-8c\"]{margin-bottom:var(--global-kb-spacing-xs, 1rem);text-align:right;font-size:var(--global-kb-font-size-md, 1.25rem);font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c[data-kb-block=\"kb-adv-heading13801_3aaa2c-8c\"]{display:flex;gap:0.25em;justify-content:right;align-items:center;}.wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c[data-kb-block=\"kb-adv-heading13801_3aaa2c-8c\"] .kb-adv-heading-icon svg{width:1em;height:1em;}.wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c[data-kb-block=\"kb-adv-heading13801_3aaa2c-8c\"] .kb-adv-heading-icon{color:var(--global-palette1, #3182CE);}.wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c[data-kb-block=\"kb-adv-heading13801_3aaa2c-8c\"] 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-heading13801_3aaa2c-8c img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c[data-kb-block=\"kb-adv-heading13801_3aaa2c-8c\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c, .wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c[data-kb-block=\"kb-adv-heading13801_3aaa2c-8c\"]{text-align:center!important;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c[data-kb-block=\"kb-adv-heading13801_3aaa2c-8c\"]{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c, .wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c[data-kb-block=\"kb-adv-heading13801_3aaa2c-8c\"]{padding-bottom:0px;text-align:center!important;}.wp-block-kadence-advancedheading.kt-adv-heading13801_3aaa2c-8c[data-kb-block=\"kb-adv-heading13801_3aaa2c-8c\"]{justify-content:center;}}<\/style><p class=\"kt-adv-heading13801_3aaa2c-8c wp-block-kadence-advancedheading kt-adv-heading-has-icon\" data-kb-block=\"kb-adv-heading13801_3aaa2c-8c\"><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-btns13801_8fe186-91{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:flex-end;align-items:center;}.kt-btns13801_8fe186-91 .kt-button{font-weight:normal;font-style:normal;}.kt-btns13801_8fe186-91 .kt-btn-wrap-0{margin-right:5px;}.wp-block-kadence-advancedbtn.kt-btns13801_8fe186-91 .kt-btn-wrap-0 .kt-button{color:#555555;border-color:#555555;}.wp-block-kadence-advancedbtn.kt-btns13801_8fe186-91 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13801_8fe186-91 .kt-btn-wrap-0 .kt-button:focus{color:#ffffff;border-color:#444444;}.wp-block-kadence-advancedbtn.kt-btns13801_8fe186-91 .kt-btn-wrap-0 .kt-button::before{display:none;}.wp-block-kadence-advancedbtn.kt-btns13801_8fe186-91 .kt-btn-wrap-0 .kt-button:hover, .wp-block-kadence-advancedbtn.kt-btns13801_8fe186-91 .kt-btn-wrap-0 .kt-button:focus{background:#444444;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn.kb-btns13801_8fe186-91{justify-content:center;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn.kb-btns13801_8fe186-91{justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns13801_8fe186-91\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn13801_d405c5-87.kb-button{width:initial;}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn13801_d405c5-87.kb-button{font-size:var(--global-kb-font-size-sm, 0.9rem);}}<\/style><a class=\"kb-button kt-button button kb-btn13801_d405c5-87 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<h2 class=\"wp-block-heading\" id=\"recap-why-group-health-insurance-deserves-your-attention\">En r\u00e9sum\u00e9<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Au final, le bon r\u00e9gime d\u2019assurance sant\u00e9 collective devrait faciliter la vie de votre \u00e9quipe comme la v\u00f4tre. Ce n\u2019est pas qu\u2019une simple police d\u2019assurance, c\u2019est un moyen concret de soutenir les personnes qui font tourner votre entreprise. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Que vous d\u00e9couvriez ce qu\u2019est l\u2019assurance sant\u00e9 collective pour la premi\u00e8re fois ou que vous optimisiez un r\u00e9gime existant, l\u2019objectif reste le m\u00eame : b\u00e2tir un plan adapt\u00e9 \u00e0 votre entreprise, qui refl\u00e8te vos valeurs et r\u00e9pond aux besoins r\u00e9els de vos employ\u00e9s. Dans le cadre d\u2019une approche compl\u00e8te des avantages sociaux, avec l\u2019assurance invalidit\u00e9, l\u2019assurance vie collective et d\u2019autres types d\u2019assurance groupe, un solide r\u00e9gime sant\u00e9 est l\u2019un des meilleurs points de d\u00e9part. <\/p>\n\n\n<style>.kb-row-layout-id13801_ff7f8d-85 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id13801_ff7f8d-85 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id13801_ff7f8d-85 > .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-xxl, 5rem);padding-bottom:var(--global-kb-spacing-xxs, 0.5rem);grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id13801_ff7f8d-85 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id13801_ff7f8d-85 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id13801_ff7f8d-85 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}.kb-row-layout-id13801_ff7f8d-85 .kt-blocks-accordion-header {box-shadow: 3px 3px 0 0 #000;margin-bottom: 5px;}.kb-row-layout-id13801_ff7f8d-85 .kt-blocks-accordion-header:is(:hover, :focus, :active) {box-shadow: 3px 3px 0 0 #000;}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id13801_ff7f8d-85 alignnone sb-rewind-palette 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-column13801_6333b7-58 > .kt-inside-inner-col,.kadence-column13801_6333b7-58 > .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-column13801_6333b7-58 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column13801_6333b7-58 > .kt-inside-inner-col{flex-direction:column;}.kadence-column13801_6333b7-58 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column13801_6333b7-58 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column13801_6333b7-58, .kadence-column13801_6333b7-58 h1, .kadence-column13801_6333b7-58 h2, .kadence-column13801_6333b7-58 h3, .kadence-column13801_6333b7-58 h4, .kadence-column13801_6333b7-58 h5, .kadence-column13801_6333b7-58 h6{color:var(--global-palette3, #1A202C);}.kadence-column13801_6333b7-58{position:relative;}@media all and (max-width: 1024px){.kadence-column13801_6333b7-58 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column13801_6333b7-58 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column13801_6333b7-58 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading13801_74f2cf-d9, .wp-block-kadence-advancedheading.kt-adv-heading13801_74f2cf-d9[data-kb-block=\"kb-adv-heading13801_74f2cf-d9\"]{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-heading13801_74f2cf-d9 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading13801_74f2cf-d9[data-kb-block=\"kb-adv-heading13801_74f2cf-d9\"] 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-heading13801_74f2cf-d9 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading13801_74f2cf-d9[data-kb-block=\"kb-adv-heading13801_74f2cf-d9\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading13801_74f2cf-d9 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading13801_74f2cf-d9\">Des questions? Nous avons des r\u00e9ponses. <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Voici quelques questions suppl\u00e9mentaires que nous entendons souvent sur l\u2019assurance sant\u00e9 collective :<\/p>\n<\/div><\/div>\n\n<\/div><\/div>\n\n\n<div class=\"wp-block-wpsp-faq wpsp-faq__outer-wrap wpsp-block-34cad004 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\/assurance-maladie-collective\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Can employees opt out of group health insurance?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Au Qu\u00e9bec, les employ\u00e9s ne peuvent refuser que s\u2019ils sont d\u00e9j\u00e0 couverts par un r\u00e9gime comparable de leur conjoint. Dans les autres provinces, les r\u00e8gles de refus varient selon la politique de l\u2019employeur.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>What\u2019s the difference between group health insurance and a health spending account?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"L\u2019assurance sant\u00e9 collective couvre des services m\u00e9dicaux pr\u00e9d\u00e9finis. Un CDS offre une allocation non imposable que les employ\u00e9s peuvent utiliser pour des d\u00e9penses admissibles de leur choix, souvent en compl\u00e9ment de la couverture principale.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>How often can an employer change the plan?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"G\u00e9n\u00e9ralement une fois par an, lors du renouvellement. Les changements majeurs doivent \u00eatre communiqu\u00e9s suffisamment \u00e0 l\u2019avance pour assurer transparence et \u00e9viter toute confusion.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>Is group health insurance taxable?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Les primes pay\u00e9es par l\u2019employeur pour l\u2019assurance sant\u00e9 collective sont g\u00e9n\u00e9ralement un avantage non imposable hors Qu\u00e9bec. Par contre, les remboursements pour frais m\u00e9dicaux ne sont pas impos\u00e9s.\"}},{\"@type\":\"Question\",\"name\":\"&lt;strong>&lt;strong>What happens to coverage if an employee leaves?&lt;\/strong>&lt;\/strong>\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"La couverture prend g\u00e9n\u00e9ralement fin le dernier jour de travail ou peu apr\u00e8s. Certains assureurs offrent la possibilit\u00e9 de convertir la couverture en un r\u00e9gime individuel dans un d\u00e9lai donn\u00e9.\"}}]}<\/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-9e56f79d\"><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>Can employees opt out of group health insurance?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Au Qu\u00e9bec, les employ\u00e9s ne peuvent refuser que s\u2019ils sont d\u00e9j\u00e0 couverts par un r\u00e9gime comparable de leur conjoint. Dans les autres provinces, les r\u00e8gles de refus varient selon la politique de l\u2019employeur.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-93be4bc0\"><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>What\u2019s the difference between group health insurance and a health spending account?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>L\u2019assurance sant\u00e9 collective couvre des services m\u00e9dicaux pr\u00e9d\u00e9finis. Un CDS offre une allocation non imposable que les employ\u00e9s peuvent utiliser pour des d\u00e9penses admissibles de leur choix, souvent en compl\u00e9ment de la couverture principale.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-efa2d722\"><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>How often can an employer change the plan?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>G\u00e9n\u00e9ralement une fois par an, lors du renouvellement. Les changements majeurs doivent \u00eatre communiqu\u00e9s suffisamment \u00e0 l\u2019avance pour assurer transparence et \u00e9viter toute confusion.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-85540c1e\"><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>Is group health insurance taxable?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>Les primes pay\u00e9es par l\u2019employeur pour l\u2019assurance sant\u00e9 collective sont g\u00e9n\u00e9ralement un avantage non imposable hors Qu\u00e9bec. Par contre, les remboursements pour frais m\u00e9dicaux ne sont pas impos\u00e9s.<\/p><\/span><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-wpsp-faq-child wpsp-faq-child__outer-wrap wpsp-block-48a636af\"><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>What happens to coverage if an employee leaves?<\/strong><\/strong><\/span><\/div><div class=\"wpsp-faq-content\"><span><p>La couverture prend g\u00e9n\u00e9ralement fin le dernier jour de travail ou peu apr\u00e8s. Certains assureurs offrent la possibilit\u00e9 de convertir la couverture en un r\u00e9gime individuel dans un d\u00e9lai donn\u00e9.<\/p><\/span><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Au Canada, plus de 90\u202f% des employeurs offrent des avantages sant\u00e9 pour attirer et fid\u00e9liser les talents, et ce n\u2019est&#8230;<\/p>\n","protected":false},"author":15,"featured_media":13521,"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-13801","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\/HR-meeting-discussing-what-is-group-health-insurance-1024x735.webp",1024,735,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\/13801","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=13801"}],"version-history":[{"count":0,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/posts\/13801\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media\/13521"}],"wp:attachment":[{"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/media?parent=13801"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/categories?post=13801"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/tags?post=13801"},{"taxonomy":"post_folder","embeddable":true,"href":"https:\/\/twinn.ca\/fr\/wp-json\/wp\/v2\/post_folder?post=13801"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}