{"id":16690,"date":"2023-11-29T10:52:19","date_gmt":"2023-11-29T10:52:19","guid":{"rendered":"https:\/\/www.asquarepartners.com\/?p=16690"},"modified":"2023-11-29T10:57:07","modified_gmt":"2023-11-29T10:57:07","slug":"legislation-novembre-2023","status":"publish","type":"post","link":"https:\/\/www.asquarepartners.com\/en\/legislation-novembre-2023\/","title":{"rendered":"L\u00e9gislation &#8211; Novembre 2023"},"content":{"rendered":"<p>On r\u00e9sume pour vous toute l\u2019actualit\u00e9 en l\u00e9gislation du march\u00e9 de l&#8217;assurance de ce mois en France.<\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><a href=\"#plfss\">PLFSS 2024 : le projet de loi modifi\u00e9 est adopt\u00e9 par le S\u00e9nat<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"#tsca\">Voitures \u00e9lectriques : les s\u00e9nateurs rejettent la prolongation de la TSCA<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"#valeur\">\u00c9pargne salariale : le parlement adopte le projet de loi sur le partage de la valeur<\/a><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><a href=\"#cyber\">PLF 2024: le S\u00e9nat adopte l\u2019amendement sur la provision d\u2019\u00e9galisation aux risques cyber<\/a><\/span><\/li>\n<\/ul>\n<h5 id=\"plfss\">PLFSS 2024 : le projet de loi modifi\u00e9 est adopt\u00e9 par le S\u00e9nat<\/h5>\n<p>Le S\u00e9nat a adopt\u00e9 une version modifi\u00e9e du projet de loi de financement de la s\u00e9curit\u00e9 sociale (PLFSS) pour 2024. La commission mixte paritaire vise \u00e0 parvenir \u00e0 un accord sur un texte commun. Des modifications importantes ont \u00e9t\u00e9 apport\u00e9es, notamment le rejet de l&#8217;objectif national de d\u00e9penses d&#8217;assurance maladie (Ondam) pour 2024. Le remboursement int\u00e9gral des fauteuils roulants a \u00e9t\u00e9 maintenu, et une &#8220;taxe lapin&#8221; a \u00e9t\u00e9 introduite pour p\u00e9naliser les assur\u00e9s manquant leurs rendez-vous m\u00e9dicaux. Une r\u00e9duction de l&#8217;Aide Personnalis\u00e9e \u00e0 l&#8217;Autonomie (APA) a \u00e9galement \u00e9t\u00e9 int\u00e9gr\u00e9e.<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"tsca\">Voitures \u00e9lectriques : les s\u00e9nateurs rejettent la prolongation de la TSCA<\/h5>\n<p><a href=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/11\/chuttersnap-xJLsHl0hIik-unsplash-scaled.jpg\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-medium wp-image-16734 alignleft\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/11\/chuttersnap-xJLsHl0hIik-unsplash-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\"><\/a>Les s\u00e9nateurs, dans le cadre de l&#8217;examen du projet de loi de finances pour 2024, ont rejet\u00e9 la prolongation de l&#8217;exon\u00e9ration de la taxe sp\u00e9ciale sur les conventions d&#8217;assurances (TSCA) pour les voitures \u00e9lectriques, contrairement aux d\u00e9put\u00e9s. Ils estiment que cette mesure n&#8217;a pas d&#8217;int\u00e9r\u00eat et entra\u00eenerait un manque \u00e0 gagner pour les d\u00e9partements. D&#8217;autres amendements ont \u00e9t\u00e9 adopt\u00e9s, notamment la modification des conditions de financement du fonds de garantie des assurances obligatoires de dommages (FGAO) pour \u00e9viter une augmentation importante de la contribution des assureurs. De plus, deux amendements concernent l&#8217;\u00e9pargne, notamment la suppression de l&#8217;interdiction faite aux mineurs de d\u00e9tenir un plan \u00e9pargne retraite (PER).<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"valeur\">\u00c9pargne salariale : le parlement adopte le projet de loi sur le partage de la valeur<\/h5>\n<p>Le Parlement a d\u00e9finitivement adopt\u00e9 le projet de loi sur le partage de la valeur, transposant l&#8217;accord national interprofessionnel de f\u00e9vrier dernier. La loi impose aux entreprises de plus de 11 salari\u00e9s de mettre en place au moins un dispositif de partage de la valeur, tels que l&#8217;int\u00e9ressement, la participation, un plan d&#8217;\u00e9pargne salariale, ou une prime. La nouveaut\u00e9 est l&#8217;extension de cette obligation aux PME de 11 \u00e0 49 salari\u00e9s, \u00e0 condition qu&#8217;elles soient rentables pendant trois ann\u00e9es cons\u00e9cutives. Les dispositions s&#8217;appliqueront \u00e0 titre exp\u00e9rimental \u00e0 partir du 1er janvier 2025, offrant de nouvelles opportunit\u00e9s aux assureurs proposant des produits d&#8217;\u00e9pargne en entreprise.<\/p>\n<p>&nbsp;<\/p>\n<h5 id=\"cyber\">PLF 2024: le S\u00e9nat adopte l\u2019amendement sur la provision d\u2019\u00e9galisation aux risques cyber<\/h5>\n<p><a href=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/11\/S4MRCQ3WSBGHBEEXY4XMRYOOAU.jpg\"><img decoding=\"async\" class=\"size-medium wp-image-16737 alignleft\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/11\/S4MRCQ3WSBGHBEEXY4XMRYOOAU-300x200.jpg\" alt=\"\" width=\"300\" height=\"200\"><\/a>Le S\u00e9nat a adopt\u00e9 en premi\u00e8re lecture un amendement au PLF 2024 visant \u00e0 \u00e9largir la provision pour \u00e9galisation aux risques cyber, soulignant que les param\u00e8tres n&#8217;ont pas \u00e9t\u00e9 r\u00e9vis\u00e9s depuis 2002 malgr\u00e9 l&#8217;\u00e9mergence de nouveaux risques. L&#8217;amendement propose \u00e9galement d&#8217;augmenter la dur\u00e9e de reprise pour les risques attentat, atomique et de pollution \u00e0 quinze ans, au lieu de 10 ou 12 actuellement, pour mieux tenir compte de leur fr\u00e9quence. L&#8217;avis de la commission saisie au fond \u00e9tait d\u00e9favorable, mais le gouvernement a \u00e9mis un avis favorable. La disposition doit maintenant \u00eatre examin\u00e9e en nouvelle lecture par l&#8217;Assembl\u00e9e Nationale.<\/p>\n<p>&nbsp;<\/p>\n<p><strong>Sources :&nbsp;<\/strong><\/p>\n<p><a href=\"https:\/\/www.argusdelassurance.com\/juriscope\/plfss-2024-le-senat-adopte-le-projet-de-loi-modifie.229018\">L&#8217;Argus de l&#8217;assurance, PLFSS 2024 : le S\u00e9nat adopte le projet de loi modifi\u00e9<\/a><\/p>\n<p><a href=\"https:\/\/www.argusdelassurance.com\/epargne\/voitures-electriques-la-taxe-retablie-par-les-senateurs.228978\">L&#8217;Argus de l&#8217;assurance, Voitures \u00e9lectriques : la taxe r\u00e9tablie par les s\u00e9nateurs &nbsp;<\/a><\/p>\n<p><a href=\"https:\/\/www.argusdelassurance.com\/epargne\/epargne-salariale-le-parlement-etend-le-dispositif-aux-pme.229258\">L&#8217;Argus de l&#8217;assurance, \u00c9pargne salariale : le parlement \u00e9tend le dispositif aux PME<\/a><\/p>\n<p><a href=\"https:\/\/www.newsassurancespro.com\/plf-2024-le-senat-adopte-lamendement-sur-la-provision-degalisation\/01691577024\">News Assurances Pro, PLF 2024 : Le S\u00e9nat adopte l&#8217;amendement sur la provision d&#8217;\u00e9galisation<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>On r\u00e9sume pour vous toute l\u2019actualit\u00e9 en l\u00e9gislation du march\u00e9 de l&#8217;assurance de ce mois en France. PLFSS 2024 : le projet de loi modifi\u00e9 est adopt\u00e9 par le S\u00e9nat Voitures \u00e9lectriques : les s\u00e9nateurs rejettent la prolongation de la TSCA \u00c9pargne salariale : le parlement adopte le projet de loi sur le partage de [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[718],"class_list":["post-16690","post","type-post","status-publish","format-standard","hentry","category-be","tag-restez-au-courant"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>L\u00e9gislation - Novembre 2023 - Asquarepartners.com<\/title>\n<meta name=\"description\" content=\"On r\u00e9sume pour vous toute l\u2019actualit\u00e9 en l\u00e9gislation d&#039;assurance du mois de novembre en France.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.asquarepartners.com\/en\/legislation-novembre-2023\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u00e9gislation - Novembre 2023 - Asquarepartners.com\" \/>\n<meta property=\"og:description\" content=\"On r\u00e9sume pour vous toute l\u2019actualit\u00e9 en l\u00e9gislation d&#039;assurance du mois de novembre en France.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.asquarepartners.com\/en\/legislation-novembre-2023\/\" \/>\n<meta property=\"og:site_name\" content=\"Asquarepartners.com\" \/>\n<meta property=\"article:published_time\" content=\"2023-11-29T10:52:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-11-29T10:57:07+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2023\/11\/chuttersnap-xJLsHl0hIik-unsplash-2-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1703\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Asquarepartners\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Asquarepartners\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.asquarepartners.com\\\/legislation-novembre-2023\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.asquarepartners.com\\\/legislation-novembre-2023\\\/\"},\"author\":{\"name\":\"Asquarepartners\",\"@id\":\"https:\\\/\\\/www.asquarepartners.com\\\/#\\\/schema\\\/person\\\/4031ebe4db01fcaa426a5eaf4c9b65dc\"},\"headline\":\"L\u00e9gislation &#8211; 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