{"id":5514,"date":"2023-02-14T01:51:55","date_gmt":"2023-02-14T00:51:55","guid":{"rendered":"https:\/\/cspm-assurances.com\/?page_id=5514"},"modified":"2023-02-14T03:16:03","modified_gmt":"2023-02-14T02:16:03","slug":"les-differences-entre-une-mutuelle-sante-responsable-et-un-contrat-non-responsable","status":"publish","type":"page","link":"https:\/\/cspm-assurances.com\/index.php\/les-differences-entre-une-mutuelle-sante-responsable-et-un-contrat-non-responsable\/","title":{"rendered":"Les diff\u00e9rences entre une mutuelle sant\u00e9 Responsable et un contrat non Responsable"},"content":{"rendered":"

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CSPM Assurances – Mutuelle\u00a0<\/h6>\n

Mutuelle Sant\u00e9\u00a0<\/h1>\n

Contrat responsable ou non responsable ?<\/p>\n

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Une\u00a0mutuelle\u00a0Responsable, qu’est-ce que c’est ?<\/strong><\/h1>\n

Une mutuelle responsable est une mutuelle qui respecte les r\u00e8gles fix\u00e9es par la l\u00e9gislation en mati\u00e8re de compl\u00e9mentaire sant\u00e9. Cela signifie qu’elle ne peut pas refuser de couvrir une personne en raison de son \u00e9tat de sant\u00e9, ni imposer des conditions restrictives pour l’obtention d’une couverture compl\u00e9mentaire. En outre, une mutuelle responsable ne peut pas non plus r\u00e9silier un contrat en raison de la survenance d’une maladie ou d’un accident.
Au contraire, une mutuelle non responsable peut refuser de couvrir les frais m\u00e9dicaux li\u00e9s \u00e0 certaines conditions m\u00e9dicales pr\u00e9existantes, ou peut exiger des conditions restrictives pour obtenir une couverture compl\u00e9mentaire. De plus, elle peut \u00e9galement r\u00e9silier un contrat en cas de survenue d’une maladie ou d’un accident.<\/span><\/p>\n

<\/span><\/p>\n

Si je consulte souvent des praticiens non\u00a0conventionn\u00e9s, couvre-t-il de la\u00a0m\u00eame\u00a0fa\u00e7on que\u00a0pour les\u00a0m\u00e9decins OPTAM ?<\/strong><\/h1>\n


<\/span>Un contrat responsable peut ne pas \u00eatre le choix optimal si vous consultez r\u00e9guli\u00e8rement des praticiens non conventionn\u00e9s, car les remboursements pour les soins prodigu\u00e9s par ces professionnels de la sant\u00e9 peuvent \u00eatre limit\u00e9s, beaucoup moins \u00e9lev\u00e9s ou m\u00eame inexistants.
Cependant, vous avez la possibilit\u00e9 de souscrire une surcompl\u00e9mentaire sant\u00e9 qui vient justement renforcer les carences que peut pr\u00e9senter un contrat Responsable.
Il est donc important de bien \u00e9tudier les diff\u00e9rentes options de couverture et de prendre en compte vos besoins m\u00e9dicaux actuels et futurs pour faire le choix qui convient le mieux \u00e0 votre situation. Il peut \u00eatre utile de consulter un conseiller en assurance sant\u00e9 pour vous aider \u00e0 d\u00e9terminer le contrat le plus appropri\u00e9 pour vous.<\/p>\n

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Qu’est-ce qu’une Surcompl\u00e9mentaire <\/strong>sant\u00e9 ?<\/b><\/h1>\n

Une surcompl\u00e9mentaire sant\u00e9 est un contrat de mutuelle suppl\u00e9mentaire qui vient en compl\u00e9ment d’un contrat de base. Elle offre une couverture plus \u00e9tendue pour les soins m\u00e9dicaux, en particulier pour renforcer les remboursements des praticiens non conventionn\u00e9s ou encore pour certains frais qui ne sont pas couverts par le contrat de base.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n

[\/et_pb_text][et_pb_button button_url=\u00a0\u00bbhttps:\/\/sante.sollyazarpro.com\/produit\/santes\/?i=d42630c6f365d53d6612b06c228cb17d1e277821″ button_text=\u00a0\u00bbObtenir mon devis en ligne\u00a0\u00bb button_text_tablet=\u00a0\u00bb\u00a0\u00bb button_text_phone=\u00a0\u00bb\u00a0\u00bb button_text_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb disabled_on=\u00a0\u00bboff|off|off\u00a0\u00bb _builder_version=\u00a0\u00bb4.19.5″ custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_size=\u00a0\u00bb14px\u00a0\u00bb button_bg_color=\u00a0\u00bb#ff5473″ button_border_width=\u00a0\u00bb12px\u00a0\u00bb button_border_color=\u00a0\u00bbrgba(0,0,0,0)\u00a0\u00bb button_border_radius=\u00a0\u00bb100px\u00a0\u00bb button_font=\u00a0\u00bbMontserrat|700|||||||\u00a0\u00bb button_use_icon=\u00a0\u00bboff\u00a0\u00bb background_layout=\u00a0\u00bbdark\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb-13px||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb hover_enabled=\u00a0\u00bb0″ button_text_size_tablet=\u00a0\u00bb\u00a0\u00bb button_text_size_phone=\u00a0\u00bb12px\u00a0\u00bb button_text_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb button_border_width_tablet=\u00a0\u00bb\u00a0\u00bb button_border_width_phone=\u00a0\u00bb4px\u00a0\u00bb button_border_width_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ button_border_radius_hover=\u00a0\u00bb100px\u00a0\u00bb button_bg_color_hover=\u00a0\u00bb#ff6b86″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb button_text_size__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_text_size__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_text_size__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_text_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_text_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_text_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_border_width__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_border_width__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_border_width__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_border_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_border_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_border_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_border_radius__hover_enabled=\u00a0\u00bbon\u00a0\u00bb button_border_radius__hover=\u00a0\u00bb100px\u00a0\u00bb button_one_border_radius__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_border_radius__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_letter_spacing__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_letter_spacing__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_letter_spacing__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_bg_color__hover_enabled=\u00a0\u00bbon\u00a0\u00bb button_bg_color__hover=\u00a0\u00bb#ff6b86″ button_one_bg_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_bg_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb custom_padding=\u00a0\u00bb||3px|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb17px\u00a0\u00bb header_2_font_size=\u00a0\u00bb25px\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb\u00a0\u00bb text_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb30px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

\u00c9conomisez d’avantage !\u00a0<\/strong><\/h2>\n

<\/strong><\/p>\n

Le multi \u00e9quipement vous fait gagner de l’argent…\u00a0<\/p>\n

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Auto + Moto = -15%
<\/span><\/h3>\n

sur le 2\u00e9 v\u00e9hicule<\/p>\n

[\/et_pb_cta][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_2″ _builder_version=\u00a0\u00bb4.16″ custom_padding=\u00a0\u00bb|||\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb custom_padding__hover=\u00a0\u00bb|||\u00a0\u00bb][et_pb_cta title=\u00a0\u00bbOffre multi \u00e9quipement\u00a0\u00bb button_url=\u00a0\u00bbhttps:\/\/sante.sollyazarpro.com\/produit\/santes\/?i=d42630c6f365d53d6612b06c228cb17d1e277821″ button_text=\u00a0\u00bbJ’en profite\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ header_level=\u00a0\u00bbh4″ header_font=\u00a0\u00bbMontserrat|600|||||||\u00a0\u00bb header_text_color=\u00a0\u00bb#fa546d\u00a0\u00bb header_line_height=\u00a0\u00bb1.5em\u00a0\u00bb body_font=\u00a0\u00bbMontserrat||||||||\u00a0\u00bb body_line_height=\u00a0\u00bb2em\u00a0\u00bb background_color=\u00a0\u00bb#f9c0cb\u00a0\u00bb use_background_color_gradient=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_type=\u00a0\u00bbcircular\u00a0\u00bb background_color_gradient_direction_radial=\u00a0\u00bbright\u00a0\u00bb background_color_gradient_stops=\u00a0\u00bbrgba(249,192,203,0.3) 20%|#f9c0cb 100%\u00a0\u00bb background_color_gradient_overlays_image=\u00a0\u00bbon\u00a0\u00bb background_color_gradient_start=\u00a0\u00bbrgba(249,192,203,0.3)\u00a0\u00bb background_color_gradient_start_position=\u00a0\u00bb20%\u00a0\u00bb background_color_gradient_end=\u00a0\u00bb#f9c0cb\u00a0\u00bb background_image=\u00a0\u00bbhttps:\/\/cspm-assurances.com\/wp-content\/uploads\/2020\/08\/doctor-02.jpg\u00a0\u00bb custom_button=\u00a0\u00bbon\u00a0\u00bb button_text_size=\u00a0\u00bb14px\u00a0\u00bb button_bg_color=\u00a0\u00bb#ff5473″ button_border_width=\u00a0\u00bb12px\u00a0\u00bb button_border_color=\u00a0\u00bbrgba(0,0,0,0)\u00a0\u00bb button_border_radius=\u00a0\u00bb100px\u00a0\u00bb button_font=\u00a0\u00bbMontserrat|700|||||||\u00a0\u00bb button_use_icon=\u00a0\u00bboff\u00a0\u00bb text_orientation=\u00a0\u00bbleft\u00a0\u00bb animation_style=\u00a0\u00bbzoom\u00a0\u00bb animation_delay=\u00a0\u00bb150ms\u00a0\u00bb animation_intensity_zoom=\u00a0\u00bb20%\u00a0\u00bb hover_enabled=\u00a0\u00bb0″ border_radii=\u00a0\u00bbon|6px|6px|6px|6px\u00a0\u00bb button_border_radius_hover=\u00a0\u00bb100px\u00a0\u00bb button_bg_color_hover=\u00a0\u00bb#ff6b86″ locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb button_text_size__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_text_size__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_text_size__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_text_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_text_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_text_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_border_width__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_border_width__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_border_width__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_border_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_border_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_border_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_border_radius__hover_enabled=\u00a0\u00bbon\u00a0\u00bb button_border_radius__hover=\u00a0\u00bb100px\u00a0\u00bb button_one_border_radius__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_border_radius__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_letter_spacing__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_one_letter_spacing__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_letter_spacing__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_bg_color__hover_enabled=\u00a0\u00bbon\u00a0\u00bb button_bg_color__hover=\u00a0\u00bb#ff6b86″ button_one_bg_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb button_two_bg_color__hover_enabled=\u00a0\u00bboff\u00a0\u00bb link_option_url=\u00a0\u00bbhttps:\/\/sante.sollyazarpro.com\/produit\/santes\/?i=d42630c6f365d53d6612b06c228cb17d1e277821″ link_option_url_new_window=\u00a0\u00bbon\u00a0\u00bb sticky_enabled=\u00a0\u00bb0″]<\/p>\n

Auto + Mutuelle = -15%<\/h3>\n

sur votre compl\u00e9mentaire sant\u00e9<\/p>\n

[\/et_pb_cta][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=\u00a0\u00bb1″ custom_padding_last_edited=\u00a0\u00bbon|desktop\u00a0\u00bb next_background_color=\u00a0\u00bbrgba(0,0,0,0.73)\u00a0\u00bb admin_label=\u00a0\u00bbTeam\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ background_color=\u00a0\u00bb#ffffff\u00a0\u00bb background_size=\u00a0\u00bbinitial\u00a0\u00bb background_position=\u00a0\u00bbcenter_right\u00a0\u00bb custom_margin=\u00a0\u00bb45px||||false|false\u00a0\u00bb custom_margin_tablet=\u00a0\u00bb\u00a0\u00bb custom_margin_phone=\u00a0\u00bb0px||||false|false\u00a0\u00bb custom_margin_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb custom_padding=\u00a0\u00bb||180px||false|false\u00a0\u00bb custom_padding_tablet=\u00a0\u00bb||150px||false\u00a0\u00bb custom_padding_phone=\u00a0\u00bb||100px||false\u00a0\u00bb top_divider_height=\u00a0\u00bb40%\u00a0\u00bb top_divider_repeat=\u00a0\u00bb0.8x\u00a0\u00bb top_divider_flip=\u00a0\u00bbhorizontal|vertical\u00a0\u00bb bottom_divider_style=\u00a0\u00bbasymmetric3″ bottom_divider_height=\u00a0\u00bb30%\u00a0\u00bb bottom_divider_height_tablet=\u00a0\u00bb180px\u00a0\u00bb bottom_divider_height_phone=\u00a0\u00bb110px\u00a0\u00bb bottom_divider_height_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb locked=\u00a0\u00bboff\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text _builder_version=\u00a0\u00bb4.18.0″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb text_font_size=\u00a0\u00bb17px\u00a0\u00bb header_2_font_size=\u00a0\u00bb25px\u00a0\u00bb text_font_size_tablet=\u00a0\u00bb\u00a0\u00bb text_font_size_phone=\u00a0\u00bb14px\u00a0\u00bb text_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb header_font_size_tablet=\u00a0\u00bb\u00a0\u00bb header_font_size_phone=\u00a0\u00bb30px\u00a0\u00bb header_font_size_last_edited=\u00a0\u00bbon|phone\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

Vous avez besoin d\u2019aide ?<\/strong><\/h2>\n

<\/strong><\/p>\n

Nous sommes l\u00e0 pour vous aider !<\/p>\n

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Nous sommes \u00e0 votre \u00e9coute du lundi au vendredi de 9h30 \u00e0 20h30<\/p>\n

09 72 50 62 62<\/strong><\/a><\/p>\n

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Nous r\u00e9pondons\u00a0\u00e0 vos questions 7\/7 de 8h00 \u00e0 22h30<\/p>\n

Discutez maintenant<\/strong><\/a><\/p>\n

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Prenez un rendez-vous t\u00e9l\u00e9phonique ou en agence<\/p>\n

Prenez rendez-vous maintenant<\/strong><\/a><\/p>\n

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