[et_pb_section fb_built=”1″ _builder_version=”4.24.2″ _module_preset=”default” use_background_color_gradient=”on” background_color_gradient_stops=”rgba(0,0,0,0.03) 0%|#ffffff 98%” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/logo.png” title_text=”logo” force_fullwidth=”on” _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font=”Source Sans Pro||||||||” text_text_color=”#007fa9″ text_font_size=”45px” text_line_height=”1em” width=”83%” custom_margin=”25px||||false|false” global_colors_info=”{}”]<\/p>\n
Bien choisir sa pr\u00e9voyance quand on est <\/span>m\u00e9decin\u00a0<\/strong><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font=”Source Sans Pro||||||||” text_font_size=”18px” global_colors_info=”{}”]<\/p>\n L’exercice d’une profession m\u00e9dicale demande une couverture sp\u00e9cifique et sur-mesure, medecins-prevoyance.fr<\/em><\/strong> vous accompagne pour choisir l’offre adapt\u00e9e.\u00a0<\/p>\n [\/et_pb_text][et_pb_button button_text=”Comparer les pr\u00e9voyances ” _builder_version=”4.24.2″ _module_preset=”default” custom_button=”on” button_text_size=”20px” button_text_color=”#FFFFFF” button_bg_color=”#00334a” button_border_width=”0px” button_border_radius=”27px” button_letter_spacing=”0px” button_font=”Source Sans Pro||||||||” button_icon=”5||divi||400″ button_icon_color=”#FFFFFF” button_on_hover=”off” background_layout=”dark” custom_margin=”2px||||false|false” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.24.2″ _module_preset=”default” background_color=”#f4f4f4″ da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.24.2″ _module_preset=”default” custom_margin=”-19px||-21px||false|false” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_text_color=”#000000″ text_font_size=”21px” global_colors_info=”{}”]<\/p>\n Plus de 100 devis de pr\u00e9voyance \u00e9valu\u00e9s<\/strong><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_6,1_6,1_6,1_6,1_6,1_6″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_6″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/swisslifeassurance.png” title_text=”swisslifeassurance” _builder_version=”4.24.2″ _module_preset=”default” module_alignment=”center” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_6″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/abeilleassurance.png” title_text=”abeilleassurance” _builder_version=”4.24.2″ _module_preset=”default” width=”100%” max_width=”100%” module_alignment=”center” min_height=”100px” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_6″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/ganassurance.png” title_text=”ganassurance” _builder_version=”4.24.2″ _module_preset=”default” module_alignment=”center” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_6″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/aprilassurance.png” title_text=”aprilassurance” _builder_version=”4.24.2″ _module_preset=”default” module_alignment=”center” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_6″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/generali-assurance-logo.png” title_text=”generali-assurance-logo” _builder_version=”4.24.2″ _module_preset=”default” module_alignment=”center” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_6″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/axaassurance.png” title_text=”axaassurance” align=”center” _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.24.2″ _module_preset=”default” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/bouton-comparerlesprevoyances1.png” title_text=”bouton-comparerlesprevoyances1″ _builder_version=”4.24.2″ _module_preset=”default” border_width_all=”2px” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/bouton-bienchoisirsoncontrat1.png” title_text=”bouton-bienchoisirsoncontrat1″ _builder_version=”4.24.2″ _module_preset=”default” border_width_all=”2px” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/bouton-comparerlesPER1.png” title_text=”bouton-comparerlesPER1″ _builder_version=”4.24.2″ _module_preset=”default” border_width_all=”2px” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_divider color=”#000000″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_divider][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.24.2″ _module_preset=”default” custom_margin=”|auto|4px|auto||” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/Image1-1.png” title_text=”Image1″ _builder_version=”4.24.2″ _module_preset=”default” width=”80%” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font=”Source Sans Pro|700|||||||” text_text_color=”#000000″ text_font_size=”31px” global_colors_info=”{}”]<\/p>\n La pr\u00e9voyance des m\u00e9decins liberaux et hospitaliers<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”]<\/p>\n Your content goes here. Edit or remove this text inline or in the module Content settings. You can also style every aspect of this content in the module Design settings and even apply custom CSS to this text in the module Advanced settings.<\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.24.2″ _module_preset=”default” custom_margin=”|auto|4px|auto||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font=”Source Sans Pro|700|||||||” text_text_color=”#000000″ text_font_size=”31px” global_colors_info=”{}”]<\/p>\n R\u00f4le des organismes : r\u00e9gime obligatoire et assurance<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font=”Source Sans Pro||||||||” text_text_color=”#007fa9″ global_colors_info=”{}”]<\/p>\n Trois organismes cl\u00e9s en France, la Caisse Autonome de Retraite des M\u00e9decins de France (<\/span>CARMF<\/strong>), la Caisse Primaire d\u2019Assurance Maladie<\/span> (CPAM<\/strong>), et l’Union de Recouvrement des Cotisations de S\u00e9curit\u00e9 Sociale et d’Allocations Familiales<\/span> (URSSAF<\/strong>).<\/p>\n La <\/span>CPAM<\/strong> et la<\/span> CARMF<\/strong> couvrent les revenus du m\u00e9decin lib\u00e9ral \u00e0 des p\u00e9riodes distinctes.<\/span><\/p>\n Ces deux r\u00e9gimes obligatoires n\u2019interviennent pas \u00e0 hauteur de 100% du revenu de celui-ci, c\u2019est le r\u00f4le de l\u2019assureur de venir compl\u00e9ter les versements lorsqu\u2019un contrat de pr\u00e9voyance compl\u00e9mentaire a \u00e9t\u00e9 souscrit.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/image2.png” title_text=”image2″ _builder_version=”4.24.2″ _module_preset=”default” width=”80%” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/schema1-1.png” title_text=”schema1″ _builder_version=”4.24.2″ _module_preset=”default” module_alignment=”center” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”2_5,3_5″ _builder_version=”4.24.2″ _module_preset=”default” background_color=”#FFFFFF” custom_margin=”|auto|4px|auto||” global_colors_info=”{}”][et_pb_column type=”2_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/image3.png” title_text=”image3″ _builder_version=”4.24.2″ _module_preset=”default” width=”80%” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font=”Source Sans Pro|700|||||||” text_text_color=”#000000″ text_font_size=”31px” global_colors_info=”{}”]<\/p>\n L’ab\u00e9c\u00e9daire de la pr\u00e9voyance<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font=”Source Sans Pro||||||||” text_text_color=”#007fa9″ global_colors_info=”{}”]<\/p>\n Il est crucial de distinguer<\/span> l’invalidit\u00e9<\/strong> de<\/span> l’incapacit\u00e9 <\/strong>:<\/span> l’invalidit\u00e9<\/strong> se r\u00e9f\u00e8re \u00e0 une alt\u00e9ration permanente ou durable des capacit\u00e9s physiques ou mentales, tandis que <\/span>l’incapacit\u00e9<\/strong> d\u00e9signe une incapacit\u00e9 temporaire \u00e0 travailler.<\/span><\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_5,3_5,1_5″ _builder_version=”4.24.2″ _module_preset=”default” background_color=”rgba(226,226,226,0.77)” custom_margin=”24px|auto|2px|auto|false|false” global_colors_info=”{}”][et_pb_column type=”1_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/Secretariat.png” title_text=”Secretariat” align=”center” _builder_version=”4.24.2″ _module_preset=”default” module_alignment=”center” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”3_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font=”Source Sans Pro||||||||” text_text_color=”#00334a” text_font_size=”20px” custom_padding=”|||10px|false|false” global_colors_info=”{}”]<\/p>\n Qui peut m’aider ?<\/strong><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font=”Source Sans Pro||||||||” text_text_color=”#000000″ custom_margin=”-15px||||false|false” custom_padding=”0px|||10px|false|false” global_colors_info=”{}”]<\/p>\n Vous avez une question ? Vous souhaitez \u00eatre accompagn\u00e9(e) dans vos d\u00e9marches<\/span> ?<\/p>\n [\/et_pb_text][et_pb_button button_text=”Trouver un interlocuteur” button_alignment=”center” _builder_version=”4.24.2″ _module_preset=”default” custom_button=”on” button_text_size=”18px” button_text_color=”#FFFFFF” button_bg_color=”#00334a” button_border_width=”0px” button_border_radius=”27px” button_letter_spacing=”0px” button_font=”Source Sans Pro||||||||” button_icon=”5||divi||400″ button_icon_color=”#FFFFFF” button_on_hover=”off” background_layout=”dark” custom_margin=”-7px||||false|false” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/Secretariat.png” title_text=”Secretariat” align=”center” _builder_version=”4.24.2″ _module_preset=”default” module_alignment=”center” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.24.2″ _module_preset=”default” custom_margin=”|auto|4px|auto||” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font=”Source Sans Pro|700|||||||” text_text_color=”#000000″ text_font_size=”31px” custom_margin=”||23px|||” global_colors_info=”{}”]<\/p>\n Qu’est qu’une pr\u00e9voyance ?<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_text_color=”#007fa9″ custom_padding=”||0px|||” global_colors_info=”{}”]<\/p>\n La pr\u00e9voyance est une assurance qui garantit une protection financi\u00e8re contre 3 grandes cat\u00e9gories de risque :<\/p>\n Que regroupe ces risques ?<\/p>\n INCAPACIT\u00c9\u00a0<\/b><\/p>\n L’incapacit\u00e9 d\u00e9signe un \u00e9tat faisant suite \u00e0 une maladie, un accident ou une hospitalisation rendant tout exercice de sa profession temporairement impossible.<\/p>\n INVALIDIT\u00c9<\/b><\/p>\n L\u2019invalidit\u00e9 d\u00e9signe quand \u00e0 elle un \u00e9tat emp\u00e9chant d\u00e9finitivement d\u2019exercer sa profession.<\/p>\n D\u00c9C\u00c8S \/ PTIA\u00a0<\/b><\/p>\n D\u00e9c\u00e8s du professionnel ou dans un \u00e9tat de Perte Totale et Irr\u00e9versible d\u2019Autonomie.\u00a0<\/span><\/span><\/span><\/p>\n <\/span><\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font=”Source Sans Pro|700|||||||” text_text_color=”#000000″ text_font_size=”31px” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n Pourquoi choisir de s’assurer ?\u00a0<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_font=”Source Sans Pro|700|||||||” text_text_color=”#000000″ text_font_size=”31px” global_colors_info=”{}”]<\/p>\n Pourquoi choisir de s’assurer ?\u00a0<\/p>\n [\/et_pb_text][et_pb_text _builder_version=”4.24.2″ _module_preset=”default” text_text_color=”#007fa9″ custom_padding=”||0px|||” global_colors_info=”{}”]<\/p>\n M\u00e9decin lib\u00e9ral ou m\u00e9decin hospitalier, vous b\u00e9n\u00e9ficiez d’un socle de couverture par le r\u00e9gime obligatoire dont vous d\u00e9pendez : CARMF ou R\u00e9gime g\u00e9n\u00e9ral.<\/span><\/p>\n Les couvertures de ces deux r\u00e9gimes comportent toutefois des limites. Voici quelques exemples :\u00a0<\/span><\/p>\n (exemple dans des cadres)<\/span><\/p>\n Exemples 1 :\u00a0<\/span><\/p>\n Docteur XXX, 38 ans, c\u00e9libataire et sans enfant, exerce en tant que radiologue lib\u00e9ral. Son dernier BNC \u00e9tait de 250 000 \u20ac. Lors d’un accident de scooter il se casse la 5\u00e8me blablablab et ne peut plus rester debout plus de quelques minutes d’affil\u00e9s.<\/span><\/span><\/span><\/p>\n Docteur XXX est couvert en invalidit\u00e9 par la CARMF, mais n’avait pas souscri de pr\u00e9voyance compl\u00e9mentaire. Sous couvert d’\u00eatre consid\u00e9r\u00e9 en invalidit\u00e9 totale et d\u00e9finitive, la CARMF lui versera jusqu’\u00e0 sa retraite 28 000 \u20ac par an.<\/span><\/p>\n Exemple 2<\/p>\n Docteur XXX, m\u00e9decin hospitalier \u00e0 100%…<\/span><\/span><\/span><\/p>\n <\/span><\/p>\n <\/span><\/p>\n [\/et_pb_text][et_pb_button button_text=”Bien choisir sa pr\u00e9voyance” _builder_version=”4.24.2″ _module_preset=”default” custom_button=”on” button_text_size=”20px” button_text_color=”#FFFFFF” button_bg_color=”#00334a” button_border_width=”0px” button_border_radius=”27px” button_letter_spacing=”0px” button_font=”Source Sans Pro||||||||” button_icon=”5||divi||400″ button_icon_color=”#FFFFFF” button_on_hover=”off” background_layout=”dark” custom_margin=”2px||||false|false” global_colors_info=”{}” min_height=”59px”][\/et_pb_button][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.24.2″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/medecins-prevoyance.fr\/wp-content\/uploads\/2024\/03\/image4.png” title_text=”image4″ show_bottom_space=”off” align=”center” _builder_version=”4.24.2″ _module_preset=”default” width=”80%” custom_margin=”257px||||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" Bien choisir sa pr\u00e9voyance quand on est m\u00e9decin\u00a0L’exercice d’une profession m\u00e9dicale demande une couverture sp\u00e9cifique et sur-mesure, medecins-prevoyance.fr vous accompagne pour choisir l’offre adapt\u00e9e.\u00a0Plus de 100 devis de pr\u00e9voyance \u00e9valu\u00e9sLa pr\u00e9voyance des m\u00e9decins liberaux et hospitaliersYour content goes here. Edit or remove this text inline or in the module Content settings. You can also style […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-7","page","type-page","status-publish","hentry"],"yoast_head":"\n\n