{"id":27124,"date":"2026-01-07T16:12:02","date_gmt":"2026-01-07T16:12:02","guid":{"rendered":"https:\/\/www.asquarepartners.com\/?p=27124"},"modified":"2026-01-07T17:10:21","modified_gmt":"2026-01-07T17:10:21","slug":"lactualite-de-lassurance-decembre-2025%ef%bd%9cfrance","status":"publish","type":"post","link":"https:\/\/www.asquarepartners.com\/fr\/lactualite-de-lassurance-decembre-2025%ef%bd%9cfrance\/","title":{"rendered":"L&#8217;actualit\u00e9 de l&#8217;assurance &#8211; D\u00e9cembre 2025\uff5cFrance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"27124\" class=\"elementor elementor-27124\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-caeff9d elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"caeff9d\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a29bfb2\" data-id=\"a29bfb2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-db03839 elementor-widget elementor-widget-text-editor\" data-id=\"db03839\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Explorez notre r\u00e9sum\u00e9 des grands titres de l\u2019actualit\u00e9 assurantielle en un scroll !<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2a7266b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2a7266b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0cfa9bf\" data-id=\"0cfa9bf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9d93ef7 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9d93ef7\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-ba43b65\" data-id=\"ba43b65\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-724b8ea elementor-widget elementor-widget-heading\" data-id=\"724b8ea\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Grand prix DRH strat\u00e8ge de l\u2019assurance 2025<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ee2b1a4 elementor-widget elementor-widget-text-editor\" data-id=\"ee2b1a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>17\/12\/2025 &#8211; <a href=\"https:\/\/www.udap.fr\/grand-prix-drh-stratege-de-lassurance-2025\/\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae05806 elementor-widget elementor-widget-text-editor\" data-id=\"ae05806\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Pour sa 6e \u00e9dition, le Grand Prix DRH Strat\u00e8ge 2025 a distingu\u00e9, le 11 d\u00e9cembre dernier,\u00a0 3 r\u00e9alisations remarquables engag\u00e9es par les Directions des Ressources Humaines de l\u2019Assurance et de la Protection Sociale.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Le Grand Prix revient \u00e0 MALAKOFF HUMANIS pour son projet \u00ab Plan \u00e0 la carte sur la r\u00e9mun\u00e9ration collective \u2013 NAO 2025 \u00bb. Il permet \u00e0 chaque salari\u00e9 de choisir entre une augmentation de salaire, une \u00e9pargne sur le Plan d\u2019\u00c9pargne Entreprise ou le Plan d\u2019\u00c9pargne Retraite Collectif Obligatoire. C\u2019est une innovation sociale qui a \u00e9tendu aux r\u00e9mun\u00e9rations, le plan \u00e0 la carte existant d\u00e9j\u00e0 en sant\u00e9 et pr\u00e9voyance. La solution digitale mise en place permet au salari\u00e9 de comparer l\u2019efficacit\u00e9 de chaque option de r\u00e9mun\u00e9ration \u2013 imm\u00e9diate ou diff\u00e9r\u00e9e \u2013 sur 1 mois, 1 an, 5 ans, 10 ans ou 15 ans.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Le Prix des Pairs revient \u00e0 GENERALI pour son projet \u00ab IAvenir \u00bb. Dans le contexte du plan de d\u00e9ploiement de l\u2019IA g\u00e9n\u00e9rative \u00e0 l\u2019ensemble des collaborateurs, la Direction des Ressources Humaines a d\u00e9velopp\u00e9 un programme d\u2019accompagnement qui va bien au-del\u00e0 de l\u2019adoption technologique, car il induit une transformation des modes de travail dans laquelle les 6 300 collaborateurs doivent \u00eatre engag\u00e9s et acteurs de la transformation de leur m\u00e9tier.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">Enfin, le Prix Coup de c\u0153ur du Jury revient \u00e0 ACHEEL pour son dispositif \u00ab Les Talents d\u2019ACHEEL \u00bb. Des portraits, photos et vid\u00e9os originaux mettent en lumi\u00e8re les collaborateurs les plus m\u00e9ritants, leur personnalit\u00e9 et leurs missions en \u00e9quilibrant soft skills et hard skills pour valoriser chaque talent dans le collectif.\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0b4551 elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"f0b4551\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"792\" height=\"600\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/UDAP-Prix.jpg\" class=\"attachment-large size-large wp-image-27127\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/UDAP-Prix.jpg 792w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/UDAP-Prix-300x227.jpg 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/UDAP-Prix-768x582.jpg 768w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/UDAP-Prix-16x12.jpg 16w\" sizes=\"(max-width: 792px) 100vw, 792px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-364f4e2 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"364f4e2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d9da742 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d9da742\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-e0781b3\" data-id=\"e0781b3\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-29c16c2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"29c16c2\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-479dc91\" data-id=\"479dc91\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-1ba1eee elementor-widget elementor-widget-heading\" data-id=\"1ba1eee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L\u2019assurance compl\u00e9mentaire sant\u00e9 : les mutuelles reculent et les compagnies avancent<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b36b29d elementor-widget elementor-widget-text-editor\" data-id=\"b36b29d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>17\/12\/2025 &#8211; <a href=\"https:\/\/www.argusdelassurance.com\/les-assureurs\/compagnies\/assurance-complementaire-sante-les-mutuelles-accentuent-leur-recul-les-compagnies-confortent-leur-forte-expansion.237768\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f2f75a elementor-widget elementor-widget-text-editor\" data-id=\"7f2f75a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">En 2024, l\u2019assurance compl\u00e9mentaire sant\u00e9 est sortie du rouge avec un r\u00e9sultat technique redevenu positif \u00e0 1,6 % des cotisations, gr\u00e2ce \u00e0 une hausse des cotisations (+8,2 %) sup\u00e9rieure \u00e0 celle des prestations (+5,4 %), une premi\u00e8re depuis 2020. Cette am\u00e9lioration relance les d\u00e9bats sur la future taxe exceptionnelle d\u2019un milliard d\u2019euros pr\u00e9vue en 2026, que les organismes estiment in\u00e9vitablement r\u00e9percut\u00e9e sur les assur\u00e9s. Si les mutuelles et les compagnies affichent des r\u00e9sultats techniques positifs, les institutions de pr\u00e9voyance restent d\u00e9ficitaires en raison de leur forte exposition aux contrats collectifs. Malgr\u00e9 leur retour \u00e0 l\u2019\u00e9quilibre, les mutuelles poursuivent leur recul sur le march\u00e9, perdant deux points de parts de march\u00e9 en 2024 au profit des compagnies, dont la collecte progresse fortement. \u00c0 long terme, cette dynamique confirme la recomposition du secteur, les compagnies ayant presque doubl\u00e9 leur part de march\u00e9 depuis 2001.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-57f1013\" data-id=\"57f1013\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d345e5f elementor-widget elementor-widget-image\" data-id=\"d345e5f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/Nomination-Swiss-Life-France-2.jpg\" class=\"attachment-large size-large wp-image-27038\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/Nomination-Swiss-Life-France-2.jpg 800w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/Nomination-Swiss-Life-France-2-300x225.jpg 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/Nomination-Swiss-Life-France-2-768x576.jpg 768w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/Nomination-Swiss-Life-France-2-16x12.jpg 16w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-6003cfc elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"6003cfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6ce2ef6 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6ce2ef6\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a8a73ac\" data-id=\"a8a73ac\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d837683 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d837683\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-e9c0a33\" data-id=\"e9c0a33\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8eb6637 elementor-widget elementor-widget-heading\" data-id=\"8eb6637\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L\u2019assembl\u00e9e nationale approuve la derni\u00e8re version du projet de loi de financement de la S\u00e9curit\u00e9 sociale (PLFSS) pour 2026<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a239b38 elementor-widget elementor-widget-text-editor\" data-id=\"a239b38\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>16\/12\/2025 &#8211; <a href=\"https:\/\/www.argusdelassurance.com\/epargne\/budget-de-la-secu-les-deputes-adoptent-definitivement-la-taxe-sur-les-contrats-sante-et-la-fiscalite-sur-l-epargne.237756\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-421d26d elementor-widget elementor-widget-text-editor\" data-id=\"421d26d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Le projet de loi de financement de la S\u00e9curit\u00e9 sociale (PLFSS) pour 2026 a \u00e9t\u00e9 d\u00e9finitivement adopt\u00e9 le 16 d\u00e9cembre par les d\u00e9put\u00e9s, apr\u00e8s un vote serr\u00e9 de 247 voix contre 232, mettant fin \u00e0 son parcours parlementaire. Parmi les mesures cl\u00e9s figurent une taxe de 2,05 % sur les cotisations des compl\u00e9mentaires sant\u00e9, une hausse de la CSG sur certains revenus du patrimoine, le report d\u2019un an de l\u2019entr\u00e9e en vigueur de la r\u00e9forme de la protection sociale compl\u00e9mentaire (PSC) dans la fonction publique hospitali\u00e8re, la limitation de la dur\u00e9e des arr\u00eats de travail et la suspension de la r\u00e9forme des retraites. L\u2019objectif national de d\u00e9penses d\u2019assurance maladie (Ondam) est port\u00e9 \u00e0 3,1 %. Malgr\u00e9 son adoption, le PLFSS devrait encore \u00eatre examin\u00e9 par le Conseil constitutionnel avant promulgation pour v\u00e9rifier sa conformit\u00e9 \u00e0 la Constitution.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-829b34c\" data-id=\"829b34c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-22b33bc elementor-widget elementor-widget-image\" data-id=\"22b33bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"800\" height=\"600\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/11\/assemblee-generale.png\" class=\"attachment-large size-large wp-image-26562\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/11\/assemblee-generale.png 800w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/11\/assemblee-generale-300x225.png 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/11\/assemblee-generale-768x576.png 768w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2025\/11\/assemblee-generale-16x12.png 16w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-37a4e72 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"37a4e72\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7e5e532 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7e5e532\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-310d423\" data-id=\"310d423\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0b2bbc8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0b2bbc8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ce6a0de\" data-id=\"ce6a0de\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b8c4caf elementor-widget elementor-widget-heading\" data-id=\"b8c4caf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">SMABTP ouvre ses propres implantations en Outre-mer<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-160088c elementor-widget elementor-widget-text-editor\" data-id=\"160088c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>15\/12\/2025 &#8211; <a href=\"https:\/\/www.smabtp.fr\/sma\/assurance\/communique\/implantation-smabtp-outre-mer-2025\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e67dfe9 elementor-widget elementor-widget-text-editor\" data-id=\"e67dfe9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Apr\u00e8s quatre d\u00e9cennies de collaboration fructueuse avec des courtiers puis des partenaires locaux, SMABTP franchit une nouvelle \u00e9tape dans son engagement aupr\u00e8s des professionnels de la construction en Outre-mer en ouvrant ses propres bureaux \u00e0 la R\u00e9union, aux Antilles et en Guyane. Pour piloter et harmoniser ces nouvelles implantations, SMABTP a cr\u00e9\u00e9 une direction r\u00e9gionale Outre-mer rattach\u00e9e \u00e0 son si\u00e8ge, plac\u00e9e sous la responsabilit\u00e9 de\u00a0<a href=\"https:\/\/www.asquarepartners.com\/en\/nominations-decembre-2025%ef%bd%9cfrance\/\"><b>Mathieu Brenier<\/b><\/a>. Les \u00e9quipes locales, soit 25 personnes au total pour l\u2019ensemble de l\u2019Outre-mer, sont en charge de la souscription des contrats et de la gestion des sinistres en assurance construction. L\u2019activit\u00e9 sera prochainement \u00e9tendue \u00e0 l\u2019assurance automobile puis progressivement \u00e0 d\u2019autres couvertures d\u2019assurance.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-678b3b2\" data-id=\"678b3b2\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-40d66b8 elementor-widget elementor-widget-image\" data-id=\"40d66b8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"200\" height=\"200\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/1701374154575.jpeg\" class=\"attachment-large size-large wp-image-27106\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/1701374154575.jpeg 200w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/1701374154575-80x80.jpeg 80w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/1701374154575-12x12.jpeg 12w\" sizes=\"(max-width: 200px) 100vw, 200px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Mathieu Brenier, directeur r\u00e9gional Outre-mer SMABTP<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-a283910 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a283910\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9f7f02a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9f7f02a\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c326c83\" data-id=\"c326c83\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f3bea15 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f3bea15\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-07d80c6\" data-id=\"07d80c6\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9da2eed elementor-widget elementor-widget-heading\" data-id=\"9da2eed\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">TOP 20 des assureurs fran\u00e7ais<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-15475f1 elementor-widget elementor-widget-text-editor\" data-id=\"15475f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>10\/12\/2025 &#8211; <a href=\"https:\/\/www.argusdelassurance.com\/classements\/classements-assureurs\/top-20-des-groupes-d-assurance-en-2024-le-marche-de-l-epargne-se-montre-en-pleine-forme.237695\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5bb6f9a elementor-widget elementor-widget-text-editor\" data-id=\"5bb6f9a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:9ec35cdd-05db-45ec-b5f0-5cac742d421d-2\" data-testid=\"conversation-turn-6\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"23fbf879-c1e4-40f7-8946-a5c1c3e213f5\" data-message-model-slug=\"gpt-5-2\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\"><p><span style=\"font-weight: 400;\">En 2024, le march\u00e9 fran\u00e7ais de l\u2019assurance a confirm\u00e9 sa r\u00e9silience et poursuivi sa croissance. Le recul de l\u2019inflation et la baisse des taux d\u2019int\u00e9r\u00eat \u00e0 court terme ont stimul\u00e9 les march\u00e9s financiers et port\u00e9 la collecte en assurance-vie \u00e0 des niveaux historiques.<\/span><\/p><p><span style=\"font-weight: 400;\">Les chiffres publi\u00e9s par L\u2019Argus de l\u2019Assurance pour 2024 dressent un panorama d\u00e9taill\u00e9 du march\u00e9, avec des classements des groupes d\u2019assurance fran\u00e7ais selon leurs performances dans l\u2019assurance de biens et de responsabilit\u00e9 (ABR) et dans l\u2019assurance de personnes (AP). Ces donn\u00e9es mettent en lumi\u00e8re une consolidation progressive du secteur et la forte pr\u00e9sence des bancassureurs, qui profitent de leur mod\u00e8le d\u2019affaires et de l\u2019utilisation strat\u00e9gique de la provision pour participation aux exc\u00e9dents (PPE) pour attirer les assur\u00e9s.<\/span><\/p><p><span style=\"font-weight: 400;\">Vous pouvez d\u00e9couvrir ci-dessous <strong>le Top 20 des groupes d\u2019assurance en 2024<\/strong>, et consulter l\u2019article complet sur <a href=\"https:\/\/www.argusdelassurance.com\/classements\/classements-assureurs\/top-20-des-groupes-d-assurance-en-2024-le-marche-de-l-epargne-se-montre-en-pleine-forme.237695\">L\u2019Argus de l\u2019Assurance<\/a> pour acc\u00e9der aux classements d\u00e9taill\u00e9s par segment.<\/span><\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e262365 elementor-widget elementor-widget-html\" data-id=\"e262365\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n  .ca-table-wrap{max-width:980px;margin:0 auto}\n  table.ca-table{\n    width:100%;\n    border-collapse:separate;\n    border-spacing:0;\n    font-family: Arial, Helvetica, sans-serif;\n    font-size:13px;\n    color:#111;\n  }\n  .ca-table th,.ca-table td{\n    padding:6px 10px;\n    line-height:1.1;\n    border-bottom:2px solid #fff;\n  }\n  .ca-table thead th{\n    background:#0b6f93; \/* bleu en-t\u00eate *\/\n    color:#fff;\n    font-weight:700;\n    text-align:center;\n  }\n  .ca-table thead th.left{ text-align:left; }\n  .ca-table thead th.stack{ width:85px; }\n  .ca-table thead th.group-col{ width:340px; }\n  .ca-table tbody tr:nth-child(odd) td{ background:#e9edf2; }  \/* z\u00e9brage *\/\n  .ca-table tbody tr:nth-child(even) td{ background:#f4f6f8; }\n  .ca-table td.rank{\n    text-align:center;\n    font-weight:700;\n    color:#0b6f93;\n    width:70px;\n    white-space:nowrap;\n  }\n  .ca-table td.group{ font-weight:700; }\n  .ca-table td.num{ text-align:right; font-weight:700; white-space:nowrap; }\n  .ca-table tfoot td{\n    background:#7ea8c6; \/* bleu clair total *\/\n    font-weight:700;\n    border-bottom:2px solid #fff;\n  }\n  .ca-table tfoot td.label{ text-align:left; color:#fff; }\n  .ca-table tfoot td.num{ color:#111; }\n  .ca-table .sup{ font-size:10px; vertical-align:super; }\n<\/style>\n\n<div class=\"ca-table-wrap\">\n  <table class=\"ca-table\" aria-label=\"Classement - Chiffre d'affaires\">\n    <thead>\n      <tr>\n        <th class=\"stack\" rowspan=\"2\">Rang<br>2025<\/th>\n        <th class=\"stack\" rowspan=\"2\">Rang<br>2024<\/th>\n        <th class=\"left group-col\" rowspan=\"2\">Groupes<\/th>\n        <th colspan=\"3\">Chiffre d\u2019affaires<\/th>\n      <\/tr>\n      <tr>\n        <th>2024<\/th>\n        <th>2023<\/th>\n        <th>Variation 2024\/2023<\/th>\n      <\/tr>\n    <\/thead>\n\n    <tbody>\n      <tr>\n        <td class=\"rank\">1<\/td><td class=\"rank\">1<\/td>\n        <td class=\"group\">Cr\u00e9dit agricole Assurances<\/td>\n        <td class=\"num\">36441<\/td><td class=\"num\">32177<\/td><td class=\"num\">13,25&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">2<\/td><td class=\"rank\">2<\/td>\n        <td class=\"group\">Axa (1)<\/td>\n        <td class=\"num\">28952<\/td><td class=\"num\">27136<\/td><td class=\"num\">6,69&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">3<\/td><td class=\"rank\">3<\/td>\n        <td class=\"group\">CNP Assurances<\/td>\n        <td class=\"num\">22243<\/td><td class=\"num\">21510<\/td><td class=\"num\">3,41&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">4<\/td><td class=\"rank\">4<\/td>\n        <td class=\"group\">BNP Paribas Cardif<\/td>\n        <td class=\"num\">19844<\/td><td class=\"num\">16302<\/td><td class=\"num\">21,73&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">5<\/td><td class=\"rank\">5<\/td>\n        <td class=\"group\">BPCE Assurances (2)<\/td>\n        <td class=\"num\">18586<\/td><td class=\"num\">16153<\/td><td class=\"num\">15,06&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">6<\/td><td class=\"rank\">8<\/td>\n        <td class=\"group\">Generali<\/td>\n        <td class=\"num\">18329<\/td><td class=\"num\">14592<\/td><td class=\"num\">25,61&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">7<\/td><td class=\"rank\">6<\/td>\n        <td class=\"group\">Cov\u00e9a<\/td>\n        <td class=\"num\">16944<\/td><td class=\"num\">15875<\/td><td class=\"num\">6,73&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">8<\/td><td class=\"rank\">7<\/td>\n        <td class=\"group\">A\u00e9ma Groupe<\/td>\n        <td class=\"num\">16141<\/td><td class=\"num\">15582<\/td><td class=\"num\">3,59&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">9<\/td><td class=\"rank\">11<\/td>\n        <td class=\"group\">Soci\u00e9t\u00e9 g\u00e9n\u00e9rale Assurances<\/td>\n        <td class=\"num\">15970<\/td><td class=\"num\">12406<\/td><td class=\"num\">28,73&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">10<\/td><td class=\"rank\">9<\/td>\n        <td class=\"group\">Groupama<\/td>\n        <td class=\"num\">15154<\/td><td class=\"num\">13936<\/td><td class=\"num\">8,74&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">11<\/td><td class=\"rank\">10<\/td>\n        <td class=\"group\">Assurances du Cr\u00e9dit mutuel (ACM)<\/td>\n        <td class=\"num\">14682<\/td><td class=\"num\">13110<\/td><td class=\"num\">11,99&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">12<\/td><td class=\"rank\">12<\/td>\n        <td class=\"group\">Allianz<\/td>\n        <td class=\"num\">13042<\/td><td class=\"num\">11895<\/td><td class=\"num\">9,64&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">13<\/td><td class=\"rank\">13<\/td>\n        <td class=\"group\">Sgam AG2R La Mondiale<\/td>\n        <td class=\"num\">10870<\/td><td class=\"num\">10285<\/td><td class=\"num\">5,69&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">14<\/td><td class=\"rank\">14<\/td>\n        <td class=\"group\">Groupe VYV<\/td>\n        <td class=\"num\">8371<\/td><td class=\"num\">7780<\/td><td class=\"num\">7,60&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">15<\/td><td class=\"rank\">15<\/td>\n        <td class=\"group\">Malakoff Humanis<\/td>\n        <td class=\"num\">7778<\/td><td class=\"num\">7088<\/td><td class=\"num\">9,73&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">16<\/td><td class=\"rank\">16<\/td>\n        <td class=\"group\">Swiss Life<\/td>\n        <td class=\"num\">7712<\/td><td class=\"num\">6899<\/td><td class=\"num\">11,77&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">17<\/td><td class=\"rank\">17<\/td>\n        <td class=\"group\">Cr\u00e9dit mutuel Ark\u00e9a (3)<\/td>\n        <td class=\"num\">6206<\/td><td class=\"num\">5491<\/td><td class=\"num\">13,02&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">18<\/td><td class=\"rank\">18<\/td>\n        <td class=\"group\">Maif<\/td>\n        <td class=\"num\">4912<\/td><td class=\"num\">4653<\/td><td class=\"num\">5,56&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">19<\/td><td class=\"rank\">19<\/td>\n        <td class=\"group\">Pro BTP<\/td>\n        <td class=\"num\">3681<\/td><td class=\"num\">3621<\/td><td class=\"num\">1,67&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"rank\">20<\/td><td class=\"rank\">20<\/td>\n        <td class=\"group\">Sgam BTP<\/td>\n        <td class=\"num\">3629<\/td><td class=\"num\">3438<\/td><td class=\"num\">5,56&nbsp;%<\/td>\n      <\/tr>\n    <\/tbody>\n\n    <tfoot>\n      <tr>\n        <td class=\"label\" colspan=\"3\">Total CA France top 20<\/td>\n        <td class=\"num\">289486<\/td><td class=\"num\">259390<\/td><td class=\"num\">11,37&nbsp;%<\/td>\n      <\/tr>\n      <tr>\n        <td class=\"label\" colspan=\"3\">Total CA du march\u00e9 fran\u00e7ais <span class=\"sup\">(4)<\/span><\/td>\n        <td class=\"num\">332800<\/td><td class=\"num\">314900<\/td><td class=\"num\">5,68&nbsp;%<\/td>\n      <\/tr>\n    <\/tfoot>\n  <\/table>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-5a48a3b elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"5a48a3b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-43444ba elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"43444ba\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3e0419c\" data-id=\"3e0419c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-f4c69d1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"f4c69d1\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-850dd89\" data-id=\"850dd89\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36fb9c8 elementor-widget elementor-widget-heading\" data-id=\"36fb9c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">L'IA g\u00e9n\u00e9rative, un enjeu central dans la strat\u00e9gie 2027-2030 de Maif <\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b970f7 elementor-widget elementor-widget-text-editor\" data-id=\"0b970f7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>09\/12\/2025 &#8211; <a href=\"https:\/\/www.newsassurancespro.com\/numerique-maif-en-quete-de-souverainete\/01691669794\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-87b1cd7 elementor-widget elementor-widget-text-editor\" data-id=\"87b1cd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"flex flex-col text-sm pb-25\"><article class=\"text-token-text-primary w-full focus:outline-none [--shadow-height:45px] has-data-writing-block:pointer-events-none has-data-writing-block:-mt-(--shadow-height) has-data-writing-block:pt-(--shadow-height) [&amp;:has([data-writing-block])&gt;*]:pointer-events-auto scroll-mt-[calc(var(--header-height)+min(200px,max(70px,20svh)))]\" dir=\"auto\" tabindex=\"-1\" data-turn-id=\"request-WEB:9ec35cdd-05db-45ec-b5f0-5cac742d421d-2\" data-testid=\"conversation-turn-6\" data-scroll-anchor=\"true\" data-turn=\"assistant\"><div class=\"text-base my-auto mx-auto pb-10 [--thread-content-margin:--spacing(4)] @w-sm\/main:[--thread-content-margin:--spacing(6)] @w-lg\/main:[--thread-content-margin:--spacing(16)] px-(--thread-content-margin)\"><div class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\" tabindex=\"-1\"><div class=\"flex max-w-full flex-col grow\"><div class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal [.text-message+&amp;]:mt-1\" dir=\"auto\" data-message-author-role=\"assistant\" data-message-id=\"23fbf879-c1e4-40f7-8946-a5c1c3e213f5\" data-message-model-slug=\"gpt-5-2\"><div class=\"flex w-full flex-col gap-1 empty:hidden first:pt-[1px]\"><div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\"><p data-start=\"0\" data-end=\"936\" data-is-last-node=\"\" data-is-only-node=\"\">\u00c0 l\u2019approche de son prochain plan strat\u00e9gique \u00e0 horizon 2030, la Maif veut faire de la technologie un levier central de croissance, en capitalisant sur la modernisation de son syst\u00e8me d\u2019information et de ses canaux digitaux, qui lui ont permis de doubler voire tripler ses ventes en ligne et d\u2019am\u00e9liorer fortement la fiabilit\u00e9 de son SI. Tout en int\u00e9grant progressivement l\u2019IA g\u00e9n\u00e9rative, l\u2019assureur mutualiste adopte une approche prudente et \u00e9thique, avec plusieurs projets d\u00e9j\u00e0 en phase de d\u00e9ploiement, tout en veillant \u00e0 pr\u00e9server son ADN.<\/p><\/div><p data-start=\"0\" data-end=\"936\" data-is-last-node=\"\" data-is-only-node=\"\">Le d\u00e9veloppement de l\u2019IA g\u00e9n\u00e9rative impacte notamment les ressources humaines, avec une difficult\u00e9 persistante \u00e0 recruter des profils tech dans le secteur de l\u2019assurance, ce qui explique une approche encore prudente et un nombre limit\u00e9 de cas d\u2019usage g\u00e9n\u00e9ralis\u00e9s. Un recrutement de 400 personnes est men\u00e9 avec la soci\u00e9t\u00e9 Simplon.\u00a0<\/p><div class=\"markdown prose dark:prose-invert w-full break-words light markdown-new-styling\"><p data-start=\"0\" data-end=\"936\" data-is-last-node=\"\" data-is-only-node=\"\">Surtout, la Maif entend r\u00e9duire sa d\u00e9pendance \u00e0 des \u00e9diteurs \u00e9trangers en renfor\u00e7ant sa souverainet\u00e9 num\u00e9rique, via une clause d\u00e9di\u00e9e, une forte internalisation des comp\u00e9tences et un recours privil\u00e9gi\u00e9 \u00e0 des solutions europ\u00e9ennes ou fran\u00e7aises, notamment pour le cloud et l\u2019IA, une strat\u00e9gie illustr\u00e9e par sa r\u00e9flexion en cours sur l\u2019avenir de son partenariat avec l\u2019\u00e9diteur am\u00e9ricain Genesys.<\/p><\/div><\/div><\/div><\/div><div class=\"z-0 flex min-h-[46px] justify-start\">\u00a0<\/div><\/div><\/div><\/article><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-ee5422c\" data-id=\"ee5422c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b13e7e elementor-widget elementor-widget-image\" data-id=\"9b13e7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"496\" height=\"433\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/000000072725-e1767801580479.jpg\" class=\"attachment-large size-large wp-image-27126\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/000000072725-e1767801580479.jpg 496w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/000000072725-e1767801580479-300x262.jpg 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/000000072725-e1767801580479-14x12.jpg 14w\" sizes=\"(max-width: 496px) 100vw, 496px\" \/>\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Nicolas Siegler, directeur g\u00e9n\u00e9ral adjoint solutions et syst\u00e8mes d'informations du groupe Maif.\n<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-683fb03 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"683fb03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65ac0b8 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"65ac0b8\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-63fba33\" data-id=\"63fba33\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-785aeaf elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"785aeaf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-e2f2dbf\" data-id=\"e2f2dbf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-173ae11 elementor-widget elementor-widget-heading\" data-id=\"173ae11\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">MMA alerte sur les dangers des voitures sans permis<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a9a5dcb elementor-widget elementor-widget-text-editor\" data-id=\"a9a5dcb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>04\/12\/2025 &#8211; <a href=\"https:\/\/www.covea.com\/sites\/default\/files\/2025-12\/communique_mma_crash_test_voiture_sans_permis_2025.pdf\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3615e91 elementor-widget elementor-widget-text-editor\" data-id=\"3615e91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">Les voitures sans permis gagnent en popularit\u00e9, notamment chez les jeunes d\u00e8s 14 ans, mais restent des v\u00e9hicules vuln\u00e9rables sur la route. En France, 282\u202f560 voiturettes circulent actuellement, et en 2024 elles ont \u00e9t\u00e9 impliqu\u00e9es dans 445 accidents corporels, dont 34 d\u00e9c\u00e8s, principalement hors agglom\u00e9ration. Le 4 d\u00e9cembre dernier, MMA a organis\u00e9 un crash-test in\u00e9dit simulant un jeune conducteur franchissant un stop, illustrant la fragilit\u00e9 des occupants et l\u2019importance du respect du Code de la route, du port de la ceinture et de la vigilance, surtout pour les novices. Limit\u00e9es \u00e0 45 km\/h, ces voitures motoris\u00e9es doivent \u00eatre conduites avec prudence, en adaptant la vitesse, en respectant les distances de s\u00e9curit\u00e9 et en \u00e9vitant toute distraction. Les chiffres de l\u2019ONISR soulignent \u00e9galement les risques li\u00e9s \u00e0 l\u2019alcool et aux stup\u00e9fiants chez les conducteurs de voiturettes, confirmant la n\u00e9cessit\u00e9 d\u2019une sensibilisation accrue des jeunes et de leurs familles.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e237afe elementor-widget elementor-widget-video\" data-id=\"e237afe\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;youtube_url&quot;:&quot;https:\\\/\\\/www.youtube.com\\\/watch?v=iZqoklI4q7w&quot;,&quot;video_type&quot;:&quot;youtube&quot;,&quot;controls&quot;:&quot;yes&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-wrapper elementor-open-inline\">\n\t\t\t<div class=\"elementor-video\"><\/div>\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-cee748f elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"cee748f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-42317c9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"42317c9\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1b01cb7\" data-id=\"1b01cb7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-9f15c38 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9f15c38\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-661e31c\" data-id=\"661e31c\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ff919e0 elementor-widget elementor-widget-heading\" data-id=\"ff919e0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Troph\u00e9es Argus de l\u2019innovation mutualiste et paritaire 2025<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2359f77 elementor-widget elementor-widget-text-editor\" data-id=\"2359f77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>02\/12\/2025 &#8211; <a href=\"https:\/\/www.argusdelassurance.com\/les-assureurs\/mutuelles\/innovation-l-argus-de-l-assurance-distingue-les-meilleurs-projets-des-mutuelles-institutions-de-prevoyance-et-groupe-de-protection-sociale.237618\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e6d2387 elementor-widget elementor-widget-text-editor\" data-id=\"e6d2387\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">L\u2019innovation se porte bien dans le secteur non lucratif de la protection sociale compl\u00e9mentaire, comme l\u2019a confirm\u00e9 le palmar\u00e8s 2025 des Troph\u00e9es Argus de l\u2019innovation mutualiste et paritaire. Cette quinzi\u00e8me \u00e9dition, organis\u00e9e avec le Groupe La Poste et soutenue par l\u2019AAM, le CTIP, la Mutualit\u00e9 fran\u00e7aise et ROAM, a distingu\u00e9 des projets dans quatre cat\u00e9gories : pr\u00e9vention et bien vieillir, formations et richesses humaines, d\u00e9veloppement des territoires et solidarit\u00e9s, ainsi que nouvelles technologies et parcours adh\u00e9rent. Parmi les laur\u00e9ats, APIVIA MACIF Mutuelle a \u00e9t\u00e9 r\u00e9compens\u00e9e pour \u00ab\u202fDes solutions 360\u00b0 pour les aidants\u202f\u00bb, MNH pour \u00ab\u202fSerumPsy\u202f\u00bb, La Mutuelle de la Corse pour \u00ab\u202fDes m\u00e9decins pour la Corse\u202f\u00bb, et CCMO-UNEO\/UNMI et IRCEM pour leurs innovations num\u00e9riques visant \u00e0 digitaliser et s\u00e9curiser la protection sociale et d\u00e9tecter les fragilit\u00e9s des adh\u00e9rents.<\/span><\/p><p><span style=\"font-weight: 400;\">Ces prix illustrent la cr\u00e9ativit\u00e9 et l\u2019engagement des mutuelles et institutions de pr\u00e9voyance pour r\u00e9pondre aux besoins sociaux et technologiques actuels.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3249917 elementor-widget elementor-widget-image\" data-id=\"3249917\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"534\" src=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/000177502_896x598_c.jpg\" class=\"attachment-large size-large wp-image-27131\" alt=\"\" srcset=\"https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/000177502_896x598_c.jpg 896w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/000177502_896x598_c-300x200.jpg 300w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/000177502_896x598_c-768x513.jpg 768w, https:\/\/www.asquarepartners.com\/wp-content\/uploads\/2026\/01\/000177502_896x598_c-18x12.jpg 18w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b9b571 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"0b9b571\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Explorez notre r\u00e9sum\u00e9 des grands titres de l'actualit\u00e9 assurantielle en France en un scroll ! \u00a0<\/p>","protected":false},"author":1,"featured_media":27127,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[751],"tags":[718],"class_list":["post-27124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-fr","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&#039;actualit\u00e9 de l&#039;assurance - D\u00e9cembre 2025\uff5cFrance - Asquarepartners.com<\/title>\n<meta name=\"description\" content=\"Explorez notre r\u00e9sum\u00e9 des grands titres de l\u2019actualit\u00e9 assurantielle en France en un scroll! 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