Plan séquence - Le Bilan de l’assurance : En 2023, le coût du risque s'envole
Le bilan de l'assurance : En 2023, le coût du risque s'envole
[/vc_customtyping][vc_empty_space height="35px"][vc_column_text css_animation="none" el_class="custom_paragraphe"]Après une année 2022 de tous les dangers, l'inflation continue à sévir en 2023. Le renchérissement de l'assurance se confirme sur tous les risques et la question de l'assurabilité agite le secteur.
[/vc_column_text][vc_column_text css_animation="none" el_class="custom_paragraphe"]Par la rédaction de News Assurances Pro
[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="image" bg_grad="" bg_color_value="#000000" parallax_style="" bg_image_new="id^1472817|url^https://d1p2aimeyx6kdr.cloudfront.net/wp-content/uploads/2021/10/27102303/transition1.jpg|caption^null|alt^null|title^transition1|description^null" layer_image="" bg_image_repeat="no-repeat" bg_image_size="initial" bg_cstm_size="" bg_img_attach="" parallax_sense="30" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" 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enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="chapitre1" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_single_image image="1585224" img_size="full" alignment="center"][vc_row_inner][vc_column_inner extend="false"][vc_customtyping]Une année intense sur le terrain règlementaire
[/vc_customtyping][vc_empty_space height="20px"][vc_single_image image="1585246" img_size="full" alignment="center"][vc_column_text]Une fois encore, l’exercice 2023 n’aura pas été avare en règlements, projets de lois, décrets et autres arrêtés visant le secteur de l’assurance. Retour sur les principales législations qui ont jalonné l’année écoulée.
[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#352b40" parallax_style="vcpb-vz-jquery" bg_image_new="id^993396|url^https://d1p2aimeyx6kdr.cloudfront.net/wp-content/uploads/2019/12/02115007/texture_brique2.jpg|caption^null|alt^null|title^texture_brique2|description^null" layer_image="" bg_image_repeat="" bg_image_size="initial" bg_cstm_size="" bg_img_attach="" parallax_sense="30" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_row_inner][vc_column_inner extend="false" width="1/3"][vc_column_text]Janvier : Hausse de régimeL’année réglementaire du secteur de l’assurance démarre le 1er janvier 2023 avec l’entrée en vigueur de plusieurs mesures prévues dans le cadre de la réforme du régime Cat’ Nat’. Elles concernent principalement la transparence sur les décisions rendues par la commission interministérielle pour la reconnaissance de l’état de catastrophe naturelle. En cas de refus, la décision doit désormais être motivée. Ces mesures actent également la création d’une commission nationale consultative des catastrophes naturelles. Elle a pour mission d’établir un rapport annuel sur la pertinence des critères sur lesquels s’appuie la commission interministérielle. Elles précisent enfin les modalités de prise en charge des frais de relogement. Initialement cette dernière devait entrer en application au 1er janvier 2024. La date a finalement été avancée au 1er novembre 2023 après les inondations qui ont touché le Nord de la France.
[/vc_column_text][/vc_column_inner][vc_column_inner extend="false" width="1/3"][vc_column_text]Mars : Allo ?Le 1er mars de nouvelles règles sur le démarchage téléphonique sont entrées en vigueur. Elles encadrent les jours, horaires et fréquences d’appel des démarcheurs. Ces derniers sont désormais autorisés à solliciter les consommateurs du lundi au vendredi et seulement de 10h à 13h et de 14h à 20h. Le démarchage est en revanche interdit le samedi, le dimanche et les jours fériés. Ces nouvelles règles s’appliquent que les clients soient inscrits ou non sur Bloctel. Les contrevenants s’exposent à une amende de 75 000 euros pour les personnes physiques ou 375 000 euros pour les personnes morales.
[/vc_column_text][/vc_column_inner][vc_column_inner extend="false" width="1/3"][vc_column_text]Mars : La colère de l’ACPRL’ACPR n’est pas contente et elle le fait savoir. L’Autorité de contrôle prudentiel et de résolution a relevé « des défaillances en matière de commercialisation des contrats d’assurance emprunteur liés à des crédits à la consommation », lance-t-elle dans un communiqué. Dans le viseur, des distributeurs dont l’assurance n’est pas le cœur de métier, comme les vendeurs de chaudières, de meubles ou encore de panneaux solaires. Elle leur rappelle que les distributeurs de contrats d’assurance emprunteur sont considérés comme des distributeurs à titre principal et non accessoire. Et qu’à ce titre, ils sont soumis aux mêmes obligations que n’importe quel intermédiaire d’assurances.
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bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="loop" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="loop" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" 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disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_row_inner][vc_column_inner extend="false" width="1/2"][vc_column_text]Mars : Trois clics, pas plusLe 17 mars, le gouvernement publie le décret sur les modalités techniques de mise en œuvre de la résiliation en trois clics. Cette mesure héritée de la loi pouvoir d’achat de 2022 vise à simplifier la résiliation de certains contrats d’assurance. Concrètement, les sites internet des assureurs doivent clairement faire apparaître un bouton « résilier votre contrat » ou une formule analogue qui ne souffre d’aucune ambiguïté. S’ouvre alors un formulaire destiné à identifier l’assuré. On y retrouve ainsi le nom, le prénom ou encore la raison sociale pour les entreprises
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u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_row_inner][vc_column_inner extend="false" width="1/2"][vc_column_text]Avril : RIS repetitaAttendue pour le 5 avril, puis pour le 3 mai, la Retail Investment Strategy (RIS) est finalement adoptée par la Commission européenne le 24 mai. Résolue à bannir les inducements, la commissaire Mairead McGuinness livre finalement une version plus édulcorée. Elle opte ainsi pour une interdiction ciblée de la rémunération sous forme de commissionnement. Notamment dans le cadre « d’exécutions pures » où il n’existe aucune relation de conseil avec le client. Malgré cela, le lobbying continuait côté assureurs. Et il a payé puisque fin septembre, la députée européenne Stéphanie Yon-Courtin remettait son rapport au Parlement. Cette dernière supprimait l’interdiction partielle des commissions. Elle instaurait par ailleurs une clause de revoyure à 5 ans au lieu de trois pour la commissaire MacGuinness. Mais le parcours du texte demeure encore long puisqu’il doit notamment faire l’objet de discussions entre le Parlement européen, le Conseil de l’Europe et la Commission européenne dans le cadre du trilogue. Rien n’est encore joué
[/vc_column_text][/vc_column_inner][vc_column_inner extend="false" width="1/2"][vc_column_text]Août : Money for nothingTancée par le gouverneur de la Banque de France et le vice-président de l’ACPR, France Assureurs s’est penchée sur le renforcement de son dispositif sur les frais en unités de compte. Au nom de la value for money, la fédération envoyait une circulaire à ses membres pour détailler son schéma. Elle les appelle à « examiner la performance des UC dont les frais dépassent un certain seuil – par exemple 33% – par rapport à la moyenne des UC de même catégorie ». Derrière ce dispositif se cache l’ambition de l’ACPR de ne pas amputer toute espérance de gain par des frais trop élevés appliqués à certaines unités de compte.
[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#352b40" parallax_style="vcpb-default" bg_image_new="id^1448142|url^https://d1p2aimeyx6kdr.cloudfront.net/wp-content/uploads/2021/03/18153716/separateur_beige_1.jpg|caption^null|alt^null|title^separateur_beige_1|description^null" layer_image="" bg_image_repeat="no-repeat" bg_image_size="" bg_cstm_size="" bg_img_attach="fixed" parallax_sense="30" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="loop" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="loop" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="loop" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_single_image image="1465772" img_size="full" alignment="center"][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#352b40" parallax_style="vcpb-vz-jquery" bg_image_new="id^993396|url^https://d1p2aimeyx6kdr.cloudfront.net/wp-content/uploads/2019/12/02115007/texture_brique2.jpg|caption^null|alt^null|title^texture_brique2|description^null" layer_image="" bg_image_repeat="" bg_image_size="initial" bg_cstm_size="" bg_img_attach="" parallax_sense="30" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_row_inner][vc_column_inner extend="false" width="1/3"][vc_column_text]Octobre : Les captives libéréesC’est peu dire que ce décret était attendu depuis la création des captives à la française dans le cadre de la loi de finances pour 2023. Il a finalement été publié au Journal officiel du 9 juin. Il détaille principalement le mécanisme de constitution des provisions pour résilience. Après consultation du secteur, la direction générale du Trésor a finalement retenu de la limiter à « 90 % du montant du bénéfice résultant de la somme des bénéfices techniques associés à chaque catégorie de risques concernée ». Par ailleurs, le décret précise que « le montant global de cette provision ne peut excéder dix fois le montant moyen, sur les trois dernières années, du minimum de capital requis ».
Décembre : L’ACPR (re)commande
L’ACPR dévoile sa première et seule recommandation de l’année. Elle concerne DDA et met l’accent sur la gouvernance produit, le marché cible, la rémunération ou encore les conflits d’intérêts
[/vc_column_text][/vc_column_inner][vc_column_inner extend="false" width="1/3"][vc_column_text]Décembre : Le vert à moitié pleinLa loi industrie verte a été promulguée le 23 octobre par le président de la République. Si elle acte la création du Plan épargne avenir climat (PEAC) pour les moins de 21 ans, elle introduit surtout une dose minimum de private equity dans les PER et l’assurance vie. Et sur ce point les discussions promettent d’être animées.
Car les tenants du private equity à l’instar de France Invest planchent pour une proportion de 10% ou plus quand les assureurs viseraient deux fois moins. Cette quote-part ne concernerait toutefois que les profils en gestion pilotée. Cela imposerait de revoir six grilles de gestion dans le cadre du PER. En assurance vie cela pose quelques soucis puisque la liquidité est garantie à tout moment. Or le private equity reste un actif illiquide. Les assureurs devraient dès lors l’assumer sur leurs fonds propres.
[/vc_column_text][/vc_column_inner][vc_column_inner extend="false" width="1/3"][vc_column_text]Novembre : Partageons la valeurC’est une autre loi qui débarque en novembre. Celle sur le partage de la valeur ajoutée. Elle vise à élargir le périmètre des dispositifs de partage de la valeur aux petites structures. C’est-à-dire aux entreprises dont le bénéfice net représente au moins 1% du chiffre d’affaires pendant trois ans consécutifs et qui emploient entre 11 et 49 salariés.
Elles devraient alors mettre en place des mécanismes de redistribution tels que l’intéressement, la participation l’abondement ou encore la prime sur le partage de la valeur. L’idée est par ailleurs de développer l’actionnariat salarié. L’objectif est de développer ces dispositifs d’épargne salariale dans des entreprises qui ne sont équipées que pour 20% d’entre elles.
[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#352b40" parallax_style="vcpb-default" bg_image_new="id^1448142|url^https://d1p2aimeyx6kdr.cloudfront.net/wp-content/uploads/2021/03/18153716/separateur_beige_1.jpg|caption^null|alt^null|title^separateur_beige_1|description^null" layer_image="" bg_image_repeat="no-repeat" bg_image_size="" bg_cstm_size="" bg_img_attach="fixed" parallax_sense="30" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="loop" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="loop" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="loop" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_single_image image="1465772" img_size="full" alignment="center"][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#352b40" parallax_style="vcpb-default" bg_image_new="id^1448142|url^https://d1p2aimeyx6kdr.cloudfront.net/wp-content/uploads/2021/03/18153716/separateur_beige_1.jpg|caption^null|alt^null|title^separateur_beige_1|description^null" layer_image="" bg_image_repeat="no-repeat" bg_image_size="" bg_cstm_size="" bg_img_attach="fixed" parallax_sense="30" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="loop" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="loop" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="loop" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false" width="1/2"][vc_column_text]CSRD débarqueC’est le gros morceau réglementaire de cette fin d’année. La France est le premier pays à transposer la directive européenne CSRD (Corporate sustainability reporting directive) qui impose de nouvelles obligations en matière de reporting extra-financier. Elle vient se substituer à la Non-financial reporting directive (NFRD) de 2014, transposée en droit français en 2017. Exit la Déclaration de performance extra-financière (DPEF). Désormais les nouvelles obligations de publications seront directement insérées dans le rapport des entreprises concernées par le texte. Surtout, ces informations seront nettement plus fournies puisqu’elles devront prendre en compte la double matérialité. Si elle entre en vigueur au 1er janvier 2024, sa mise en place sera progressive. Les premiers rapports devront être remis par les entreprises le 1er janvier 2025. Sont concernées les sociétés déjà soumises à la NFRD. Viendront ensuite les grandes entreprises non-soumises à l’ancienne directive. Puis les PME cotées. Et enfin les groupes de pays tiers pour une mise en œuvre complète en 2029. à terme, quelque 50 000 entreprises installées sur le Vieux Continent seront touchées par la mise en oeuvre de la CSRD, qu’elles soient européennes ou étrangères
[/vc_column_text][/vc_column][vc_column extend="false" width="1/2"][vc_column_text]Et en 2024 ?
[/vc_column_text][vc_column_text]En 2024, Le programme réglementaire s’annonce une nouvelle fois chargé. Il y a bien évidemment la révision de Solvabilité 2 sur toutes les lèvres depuis quelques années. Elle pourrait toutefois enfin sortir de terre. Le gouvernement devrait également faire aboutir le dispositif des obligations transition. Il se rapprochera très certainement des obligations relance. Tout du moins sur la garantie de l’état. Pour le reste, les discussions restent ouvertes. Le mois d’avril actera la disparition de la carte verte pour les automobilistes. Le décret sur l’extension des provisions pour égalisation au risque cyber est aussi attendu. Elle a été actée dans le cadre de la loi de finances pour 2024.
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video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_single_image image="1585416" img_size="full" alignment="center"][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="" bg_grad="" bg_color_value="#ffffff" parallax_style="vcpb-vz-jquery" bg_image_new="id^1472953|url^https://d1p2aimeyx6kdr.cloudfront.net/wp-content/uploads/2021/10/27225726/background_frise_test_1.jpg|caption^null|alt^null|title^background_frise_test_1|description^null" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="30" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row_content_no_spaces" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_row_inner][vc_column_inner extend="false"][vc_single_image image="1585146" img_size="full" el_class="image_separateur"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#3628a1" parallax_style="vcpb-vz-jquery" bg_image_new="id^993396|url^https://d1p2aimeyx6kdr.cloudfront.net/wp-content/uploads/2019/12/02115007/texture_brique2.jpg|caption^null|alt^null|title^texture_brique2|description^null" layer_image="" bg_image_repeat="" bg_image_size="initial" bg_cstm_size="" bg_img_attach="" parallax_sense="30" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="chapitre2" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_single_image image="1585218" img_size="full" alignment="center"][vc_customtyping]Tarifs 2024 : Attention, sujet tabou !
[/vc_customtyping][vc_empty_space height="20px"][vc_single_image image="1585252" img_size="full" alignment="center"][vc_empty_space height="35px"][vc_row_inner][vc_column_inner extend="false"][vc_column_text]Alors qu’elles s’étaient engagées à maintenir leurs majorations sous l’inflation en 2022 et 2023, les compagnies sont restées muettes sur l’orientation tarifaire de leurs contrats dommages pour 2024. Peut-être parce que dans le contexte économique actuellement tendu, la « douloureuse» sera difficile à annoncer.
La fin d’année marque historiquement la période durant laquelle les principaux opérateurs de la place livrent leurs orientations tarifaires pour le dommages du particulier, qui un énième gel des cotisations, qui une remise pour les assurés fidèles, qui une majoration par les comptes sinistrés…
[/vc_column_text][vc_column_text]Hélas, cette petite gymnastique n’aura pas lieu pour 2024. À l’heure où nous rédigeons ce bilan, les compagnies sont restées muettes sur un sujet devenu au fil de ces dernières semaines presque tabou.
[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner extend="false"][vc_single_image image="1465772" img_size="full" alignment="center"][vc_column_text]Une multitude de facteurs pour expliquer
Il faut dire que depuis plusieurs exercices, les assureurs ont fort à faire. Au sortir d’une crise sanitaire éprouvante où l’industrie a largement été pointée du doigt, le marché a ensuite dû faire face à une inflation galopante sous laquelle elle s’est engagée en septembre 2022 auprès de Bruno Le Maire à maintenir ses hausses de tarifs pendant deux ans, soit jusqu’à fin 2023.
Problème, le secteur a également dû faire face à une sinistralité climatique 2023 dantesque, sans parler des émeutes urbaines venues gréver un peu plus les résultats. « Il ne faut pas oublier l’incessante hausse du prix des réparations et des pièces détachées en auto à laquelle vient s’ajouter l’augmentation des tarifs des matériaux de construction et l’explosion des cambriolages en habitation. Cela pèse lourd sur la balance », indique un dirigeant mutualiste. Au final, quand l’exécutif est venu demander des efforts supplémentaires aux compagnies ces dernières semaines, elles ont clairement prévenu que les efforts étaient terminés.
[/vc_column_text][/vc_column_inner][vc_column_inner extend="false" width="1/2"][vc_single_image image="1585296" img_size="full" alignment="center"][vc_column_text]Le ministère de l’Économie et des Finances et de la Souveraineté industrielle et numérique.
[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner extend="false"][vc_empty_space height="30px"][vc_single_image image="1465772" img_size="full" alignment="center"][vc_column_text]Annonces disparates
En face, aucune compagnie n’a clairement annoncé la couleur, « ce qui ne présage rien de bon », lâche un bon connaisseur du marché qui craint des majorations beaucoup plus rudes. « Annoncer officiellement des hausses de 10% serait catastrophique en termes d’image, notamment dans le contexte économique actuel où les Français tentent à tout prix de préserver leur pouvoir d’achat. Mais dans le même temps les compagnies doivent veiller à leurs fondamentaux techniques. La pression des réassureurs joue pour beaucoup dans cette situation », ajoute ce dernier.
Si l’on s’oriente donc sans grande surprise vers une hausse généralisée des tarifs pour l’exercice qui s’ouvre, le silence radio des compagnies inquiète autant qu’il agace. Si bien que le ministre de l’Économie et des Finances en a remis une couche mi-décembre. Bruno Le Maire a ainsi indiqué qu’il veillera « à ce que les augmentations » des primes d’assurance soient « raisonnables », appelant les Français à faire jouer la concurrence pour obtenir des tarifs plus avantageux.
Pour 2024, « j’invite tout le monde à faire jouer la concurrence en matière de primes d’assurance. Ensuite, il faut qu’on regarde sur le long terme comment on peut assurer des risques qui ne sont plus des risques probables, mais des risques certains », a ajouté le ministre.
Concernant la MRH, un récent sondage du comparateur d’assurances LeLynx (réalisé en partenariat avec YouGov) montre que 52% des Français seraient prêts à entamer des démarches pour une somme inférieure ou égale à 20 euros/mois. Ce chiffre atteint 44% en assurance automobile.
Avec 40,9 milliards d’euros de cotisations annuelles pour le marché des particuliers, les assureurs du marché ont enregistré près de 8,8 millions de sinistres auto et 3,7 millions habitation en 2022, un chiffre qui devrait évoluer lui aussi à la hausse pour 2023.
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seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="loop" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="loop" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="chapitre3" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false" el_class="chapitre_x_title" version="1"][vc_single_image image="1585222" img_size="full" alignment="center"][vc_customtyping]Les frais en assurance vie dans le viseur
[/vc_customtyping][vc_empty_space height="20px"][vc_single_image image="1585255" img_size="full" alignment="center"][vc_empty_space][vc_row_inner][vc_column_inner extend="false"][vc_column_text]Jusqu’alors, seuls les frais en assurance vie étaient dans le collimateur de l’ACPR. Désormais, s’ajoutent l’assurance dommages et la santé.
[/vc_column_text][/vc_column_inner][/vc_row_inner][vc_row_inner][vc_column_inner extend="false" width="1/3"][vc_column_text]Ce fut l’un des chantiers phares de 2023. Les frais en assurance vie ont fait l’objet d’une traque tout au long de l’année. Un travail de longue haleine qui remonte en réalité à septembre 2021. L’effervescence débute à l’heure où le taux de rendement moyen est au plus bas, à 1,28%. À l’époque, Bruno Le Maire, ministre de l’Économie et des Finances annonçait s’attaquer aux pratiques tarifaires excessives appliquées aux plans d’épargne retraite.
Depuis, l’horizon s’est élargi aux contrats d’assurance vie et plusieurs étapes ont été franchies. À commencer par un accord de place signé en février 2022. Les choses se sont accélérées dix mois plus tard à l’initiative de l’ACPR.
[/vc_column_text][/vc_column_inner][vc_column_inner extend="false" width="2/3"][vc_empty_space height="15px"][vc_single_image image="1585303" img_size="full" alignment="center"][/vc_column_inner][/vc_row_inner][vc_single_image image="1465772" img_size="full" alignment="center"][vc_row_inner][vc_column_inner extend="false"][vc_column_text]Au nom de la value for money
Les pratiques tarifaires des intermédiaires du marché affectant la performance à long terme des épargnants, le régulateur a souhaité donner un coup d’accélérateur aux contrôles au nom de la value for money [bons rapports entre les coûts et les services rendus, ndlr]. Une méthodologie rédigée de concert avec les fédérations de la profession, a alors été mise en place en décembre pour faire le tri dans les unités de compte. Un besoin nécessaire pour le régulateur car, « l’accumulation de frais élevés peut dans certains cas amputer toute espérance de rendement, alors que le retour sur investissement ne bénéficie finalement pour l’essentiel qu’aux intermédiaires financiers », avait expliqué Jean-Paul Faugère, vice-président de l’ACPR.
[/vc_column_text][vc_column_text]Si le gendarme du secteur financier s’intéresse aux frais de l’assurance vie, il jette plus particulièrement son dévolu sur ceux associés aux unités de compte (UC). Les travaux menés avec la profession ont notamment porté sur le renforcement de leur processus d’examen. L’ACPR demande un lien explicite entre le rendement et le niveau des frais dépensé par l’épargnant. À chaque souscription, il relève du devoir de chaque organisme d’analyser les caractéristiques et les performances des UC afin d’en évaluer leur pertinence, clé de leur commercialisation. Dans un document rédigé par France Assureurs, la fédération appelait ses membres à « examiner la performance des UC dont les frais dépassent un certain seuil – par exemple 33% – par rapport à la moyenne des UC de même catégorie ». Un seuil auparavant suggéré à 50%. Seule ombre au tableau, cette méthodologie n’est pas contraignante. En pratique, la décision de déréférencer ou non une UC relève de chaque entreprise. Néanmoins, il s’agit d’un « vrai progrès pour les épargnants », note François Villeroy de Galhau, gouverneur de la Banque de France et président de l’ACPR. Ce dernier a salué l’engagement des assureurs d’accroître la transparence sur les frais des contrats en UC et sur leur performance.
[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#352b40" parallax_style="" bg_image_new="" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" 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extend="false"][vc_single_image image="1465772" img_size="full" alignment="center"][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#352b40" parallax_style="vcpb-default" bg_image_new="id^1473187|url^https://d1p2aimeyx6kdr.cloudfront.net/wp-content/uploads/2021/10/28162512/bercy_1.jpg|caption^null|alt^null|title^bercy_1|description^null" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="30" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="loop" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="loop" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="loop" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false" el_class="chapitre_x_title" version="1"][vc_column_text]Des contrôles discrets
Depuis, le gendarme financier mène ses contrôles dans l’ombre. Des vérifications sur l’ensemble du marché sont prévues début 2024, a promis l’ACPR à l’occasion de sa conférence annuelle qui s’est tenue en novembre dernier. Grâce à une revue périodique, BNP Paribas, l’un des poids lourds du secteur a déréférencé 41 unités de compte proposées par 32 gestionnaires d’actifs depuis le 15 novembre. L’ACPR aurait-elle réussi son pari en matière de frais en assurance vie ?
[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#352b40" parallax_style="" bg_image_new="" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" 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extend="false"][vc_single_image image="1465772" img_size="full" alignment="center"][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#352b40" parallax_style="vcpb-default" bg_image_new="id^1473187|url^https://d1p2aimeyx6kdr.cloudfront.net/wp-content/uploads/2021/10/28162512/bercy_1.jpg|caption^null|alt^null|title^bercy_1|description^null" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="30" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="loop" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="loop" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="loop" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false" el_class="chapitre_x_title" version="1"][vc_column_text]Le dommage et la santé dans la ligne de mire
En attendant le bilan, le superviseur français ajoute les frais en dommages et en santé dans son viseur. « Je sais que la profession a consenti à un cadrage de ses tarifs au regard de la conjoncture qui a marqué les deux années précédentes. Mais la sortie de cette période exceptionnelle ne saurait faire l’économie d’une réflexion sur les frais de gestion », a déclaré Jean-Paul Faugère.
L’accent a notamment été mis sur les risques climatiques. « Il faudra maintenir les couvertures par mutualisation des risques, ce qui est la vocation de l’assureur, même si la prévention doit aussi progresser en parallèle pour conjurer le risque croissant d’inassurabilité ».
[/vc_column_text][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#352b40" parallax_style="" bg_image_new="" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_column_text]Pour Guillaume Borie, directeur général d’Axa France, le travail des assureurs en matière de prévention a déjà porté ses fruits. « Bien que violentes, les tempêtes Ciaran et Domingos [qui ont balayé le nord-ouest de la France début novembre, ndlr] ont causé moins de dégâts que ceux chiffrés en 1999 », a commenté le dirigeant. Selon les estimations de France Assureurs, ces intempéries ont engendré quelque 517 000 sinistres pour un coût de 1,3 milliard d’euros, contre 13,8 milliards d’euros générés par les ouragans Lothar et Martin vingt-quatre ans plus tôt.
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img_size="full" alignment="center"][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#352b40" parallax_style="" bg_image_new="" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row_content_no_spaces" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_single_image image="1585146" img_size="full" alignment="center" el_class="image_separateur"][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#3628a1" parallax_style="" bg_image_new="" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="chapitre4" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_single_image image="1585220" img_size="full" alignment="center"][vc_customtyping]Santé : Un transfert de charges en dentaire
[/vc_customtyping][vc_customtyping]et de fortes augmentations de tarif pour 2024
[/vc_customtyping][vc_empty_space height="20px"][vc_single_image image="1585259" img_size="full" alignment="center"][vc_empty_space height="20px"][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#3628a1" parallax_style="" bg_image_new="" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_column_text]En 2023, le gouvernement a décidé sans concertation d’augmenter le ticket modérateur sur les soins dentaires. Une décision fortement critiquée par les organismes complémentaires qui ont appliqué des augmentations de cotisation inédites pour 2024.
[/vc_column_text][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#3628a1" parallax_style="" bg_image_new="" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_column_text]Les organismes complémentaires ont connu en cette année 2023 trois ministres de la Santé : François Braun jusqu’au 20 juillet, son successeur Aurélien Rousseau pendant 5 mois et Agnès Firmin-Le Bodo, ministre par intérim durant trois semaines. Ce turn-over n’a pas permis d’instaurer une relation de confiance et d’avancer en concertation sur les sujets qui préoccupent les assureurs comme la prévention ou la lutte contre la fraude. Malgré les demandes répétées des fédérations, le comité de dialogue avec les organismes complémentaires (Cdoc) créé en octobre 2022 s’est uniquement réuni deux fois en 2023. En mai pour aborder les transferts de charges et en décembre pour demander des explications aux assureurs sur leurs évolutions des cotisations.
[/vc_column_text][vc_single_image image="1465772" img_size="full" alignment="center"][vc_column_text]Un transfert plus élevé que prévu
La loi de financement de la Sécurité sociale prévoyait un transfert de charges de l’assurance maladie vers les organismes complémentaires de 150 millions d’euros pour 2023 et de 300 millions en année pleine. Les complémentaires n’ont été fixées sur la nature et le montant des transferts qu’en juin. Le gouvernement a décidé sans concertation d’augmenter le ticket modérateur des soins dentaires de 30 à 40% à compter du 15 octobre 2023. La charge supplémentaire pour les organismes complémentaires est estimée à 125 millions d’euros en 2023 et à 500 millions d’euros en année pleine.
Face à cette annonce, la Mutualité française, le CTIP, France Assureurs et l’Unocam ont mis quatre jours à réagir d’une seule voix. Les fédérations de complémentaires ont affirmé dans un communiqué que ce transfert « aura un impact sur l’équilibre économique des organismes complémentaires et pèsera sur le niveau des cotisations ».
[/vc_column_text][/vc_column][vc_column extend="false" width="1/2"][vc_column_text]Sur un contrat collectif bas de gamme, l’impact sera de 1,10% sur le niveau global de prestations santé, selon les calculs d’Actuarielles. Sur un contrat moyen de gamme, il sera de 1,25%. Les contrats collectifs haut de gamme seront les plus touchés, avec une augmentation de 1,35% sur la charge de prestations. Les conséquences sont donc plus importantes pour les portefeuilles présentant une forte fréquence.
Le transfert en dentaire n’est pas le seul impact pour le secteur. D’autres mesures comme les revalorisations de différentes professions médicales pourraient porter le surcoût de prestations à un milliard d’euros, selon les estimations de France Assureurs.
[/vc_column_text][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#3628a1" parallax_style="" bg_image_new="" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="loop" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="loop" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="loop" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_column_text]Les impacts règlementaires interviennent dans un contexte d’augmentation des prestations. Les équilibres techniques des organismes complémentaires restent très tendus en 2022, selon la Drees. Le rapport prestations sur cotisations a atteint des records. L’ensemble des organismes a reversé 81% des cotisations encaissées sous forme de prestations, un point de plus qu’en 2021. Le taux de redistribution atteint 89% pour les institutions de prévoyance (+3 points par rapport à 2021), 80% pour les mutuelles (-1 point) et 78% pour les entreprises d’assurance (+1 point).
[/vc_column_text][vc_single_image image="1465772" img_size="full" alignment="center"][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#3628a1" parallax_style="" bg_image_new="" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false" width="1/2"][vc_empty_space height="15px"][vc_column_text]En 2023, Mercer a prévu une augmentation des prestations santé comprise entre 4,6% et 6,7%. La tendance haussière devrait se poursuivre en 2024, sous la pression des impacts règlementaires (recul de deux ans sur l’âge de départ à la retraite, revalorisation des tarifs des consultations des médecins, nouvelle convention dentaire, extension du 100% santé aux fauteuils roulants…). Mercer anticipe une évolution comprise entre 5,15% et 6,95% sur l’année 2024.
[/vc_column_text][/vc_column][vc_column extend="false" width="1/2"][vc_single_image image="1585335" img_size="full" alignment="center"][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#3628a1" parallax_style="" bg_image_new="" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_single_image image="1465772" img_size="full" alignment="center"][vc_row_inner][vc_column_inner extend="false"][vc_column_text]Face à ces perspectives inflationnistes, les complémentaires ont appliqué des indexations inédites pour l’année 2024. L’ augmentation moyenne atteint 8,1% selon la Mutualité Française (7,3% sur les contrats individuels et 9,9% sur les contrats collectifs). Des hausses « intenables », selon le ministre de l’époque Aurélien Rousseau mais « inévitables » pour un secteur qui « ne peut pas reporter le déficit sur les générations futures », selon Éric Chenut, président de la Mutualité Française.
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disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row_content_no_spaces" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_row_inner][vc_column_inner extend="false"][vc_single_image image="1585263" img_size="full" alignment="center" el_class="image_separateur"][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row][vc_row extend="false" rtl_reverse="" css_animation="" bg_type="bg_color" bg_grad="" bg_color_value="#0e1b33" parallax_style="" bg_image_new="" layer_image="" bg_image_repeat="" bg_image_size="" bg_cstm_size="" bg_img_attach="" parallax_sense="" bg_image_posiiton="" animation_direction="" animation_repeat="" video_url="" video_url_2="" u_video_url="" video_opts="" video_poster="" u_start_time="" u_stop_time="" viewport_vdo="" enable_controls="" controls_color="" bg_override="" disable_on_mobile_img_parallax="" parallax_content="" parallax_content_sense="" fadeout_row="" fadeout_start_effect="" enable_overlay="" overlay_color="" overlay_pattern="" overlay_pattern_opacity="" overlay_pattern_size="" overlay_pattern_attachment="" multi_color_overlay="uvc-multi-color-bg" multi_color_overlay_opacity="" seperator_enable="" seperator_type="" seperator_position="" seperator_shape_size="" seperator_svg_height="" seperator_shape_background="" seperator_shape_border="" seperator_shape_border_color="" seperator_shape_border_width="" icon_type="" icon="" icon_size="" icon_color="" icon_style="" icon_color_bg="" icon_border_style="" icon_color_border="" icon_border_size="" icon_border_radius="" icon_border_spacing="" icon_img="" img_width="" ult_hide_row="" ult_hide_row_large_screen="" ult_hide_row_desktop="" ult_hide_row_tablet="" ult_hide_row_tablet_small="" ult_hide_row_mobile="" ult_hide_row_mobile_large="" notification="" full_width="stretch_row" equal_height="" content_placement="" design__empty_1="" full_height="" columns_placement="top" background="" background_image_type="static" background_image__effect="" bg_size="initial" bg_position="center-center" row_bg_image="" bg_repeat="no-repeat" background_image_type__bg_color="rgba(255, 255, 255, 1)" row_bg_parallax_images="" row_bg_slideshow_images="" background_video_type="youtube" background_video__youtube__url="" background_video__youtube__parallax="" background_video__youtube__options="" background_video__youtube__fallback_image="" background_video__hosted__mp4="" background_video__hosted__webm="" background_video__hosted__ogv="" background_video__hosted__parallax="" background_video__hosted__options="" background_video__hosted__fallback_image="" background_color_type="color" bg__empty_1="" background_color_type__gradient_color1="rgba(44, 74, 228, 1)" background_color_type__gradient_color2="rgba(44, 74, 228, 1)" background_color_type__color_color1="rgba(44, 74, 228, 1)" bg__empty_2="" background_color__effect="" background_color__direction="left-to-right" parallax="" parallax_speed_bg="1.5" parallax_image="" video_bg="" video_bg_url="https://www.youtube.com/watch?v=lMJXxhRFO1k" video_bg_parallax="" el_id="" gap="0" disable_element="" settings__tag_1="" viewport_lg="" viewport_md="" viewport_sm="" viewport_xs="" settings__empty_1="" el_class="" version="1" css=""][vc_column extend="false"][vc_empty_space][vc_single_image image="1585314" img_size="full" alignment="center" onclick="custom_link" img_link_target="_blank" link="https://www.newsassurancespro.com/magazine-special-le-bilan-2023-de-lassurance/01691585439"][/vc_column][/vc_row]À voir aussi
Inflation : Où en est l’assurance ?
Inflation : La Banque de France attentive aux prix des assurances
Magazine spécial : Le bilan 2023 de l’assurance