[{"data":1,"prerenderedAt":414},["ShallowReactive",2],{"article-\u002Fconseils-finance-blogue\u002Fquest-ce-que-lassurance-maladies-graves":3},{"id":4,"title":5,"body":6,"composed":398,"date":399,"description":400,"elementorDocs":401,"elementorId":402,"extension":403,"image":401,"legacyUrl":404,"meta":405,"navigation":398,"ogDescription":400,"ogImage":406,"ogTitle":407,"path":408,"robots":409,"seo":410,"seoTitle":411,"stem":412,"__hash__":413},"articles\u002Fconseils-finance-blogue\u002Fquest-ce-que-lassurance-maladies-graves.md","Qu’est ce que l’assurance maladies graves?",{"type":7,"value":8,"toc":395},"minimark",[9,52,114],[10,11,19],"el-section",{"el":12,"res":13},"2e30d30a",{"tag":14,"class":15,"type":14,"settings":16,"container":17,"overlay":18},"section","elementor-section elementor-top-section elementor-element elementor-element-2e30d30a elementor-section-full_width elementor-section-height-default elementor-section-height-default","{\"background_background\":\"classic\"}","elementor-container elementor-column-gap-default","elementor-background-overlay",[20,21,28,43],"el-column",{"el":22,"res":23},"65fc45a2",{"tag":24,"class":25,"type":26,"settings":16,"wrap":27},"div","elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-65fc45a2","column","elementor-widget-wrap elementor-element-populated",[29,30,40],"el-heading",{"el":31,"res":32},"7f1453f3",{"tag":24,"class":33,"type":34,"widget":35,"container":36,"lead":37},"elementor-element elementor-element-7f1453f3 elementor-widget elementor-widget-theme-post-title elementor-page-title elementor-widget-heading","widget","theme-post-title.default","elementor-widget-container",{"tag":38,"class":39},"h1","elementor-heading-title elementor-size-default",[41,42,5],"p",{},[44,45],"el-breadcrumb",{"el":46,"res":47},"70f6bd39",{"tag":24,"class":48,"type":34,"widget":49,"container":36,"lead":50},"elementor-element elementor-element-70f6bd39 elementor-widget elementor-widget-shortcode","shortcode.default",{"tag":24,"class":51},"elementor-shortcode",[10,53,57],{"el":54,"res":55},"5d64372a",{"tag":14,"class":56,"type":14,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-5d64372a elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,58,62,74,79,92,101],{"el":59,"res":60},"1fcf275",{"tag":24,"class":61,"type":26,"settings":16,"wrap":27},"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-1fcf275",[63,64,71],"el-text",{"el":65,"res":66},"7bcc332e",{"tag":24,"class":67,"type":34,"widget":68,"container":36,"lead":69},"elementor-element elementor-element-7bcc332e elementor-widget elementor-widget-text-editor","text-editor.default",{"tag":41,"class":70},"subtitle",[41,72,73],{},"Partagez l’article:",[75,76],"el-share-buttons",{"el":77,"networks":78},"6b6d3892","facebook,twitter,linkedin",[63,80,86],{"el":81,"res":82},"7b8c58df",{"tag":24,"class":83,"type":34,"widget":68,"container":36,"lead":84},"elementor-element elementor-element-7b8c58df elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},"",[41,87,88],{},[89,90,91],"strong",{},"Cancer, infarctus, AVC, sclérose en plaque, Parkinson, tumeur, Alzheimer…",[63,93,98],{"el":94,"res":95},"4a80126",{"tag":24,"class":96,"type":34,"widget":68,"container":36,"lead":97},"elementor-element elementor-element-4a80126 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,99,100],{},"Des maladies graves, il y en a et, malheureusement, on connaît tous quelqu’un qui en a souffert. Au-delà des traitements, des séjours à l’hôpital, des nuits d’angoisses, du stress, des changements d’habitudes de vie, qu’est-ce qu’on peut faire pour alléger le fardeau d’une maladie pour soi et pour nos proches?",[102,103,111],"el-button",{"el":104,"to":105,"res":106},"34cc8f6","\u002Fconseils-finance-blogue\u002F",{"tag":24,"class":107,"type":34,"widget":108,"container":36,"lead":109},"elementor-element elementor-element-34cc8f6 elementor-align-left elementor-widget elementor-widget-button","button.default",{"tag":24,"class":110},"elementor-button-wrapper",[41,112,113],{},"Retourner au blogue",[10,115,119],{"el":116,"res":117},"87c646e",{"tag":14,"class":118,"type":14,"settings":16,"container":17},"elementor-section elementor-top-section elementor-element elementor-element-87c646e elementor-section-full_width elementor-section-height-default elementor-section-height-default",[20,120,124,135,153,162,172,191,200,218,227,236,245,254,265,274,283,292,301,310,319,328,337,346,357,367,376,384,387],{"el":121,"res":122},"64dfa088",{"tag":24,"class":123,"type":26,"wrap":27},"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-64dfa088",[29,125,132],{"el":126,"res":127},"6be42bea",{"tag":24,"class":128,"type":34,"widget":129,"container":36,"lead":130},"elementor-element elementor-element-6be42bea elementor-widget elementor-widget-heading","heading.default",{"tag":131,"class":39},"h2",[41,133,134],{},"Pourquoi?",[63,136,141,144,147],{"el":137,"res":138},"1ead008c",{"tag":24,"class":139,"type":34,"widget":68,"container":36,"lead":140},"elementor-element elementor-element-1ead008c elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,142,143],{},"La première inquiétude que bien des gens vivent, en plus de celles dû au risque pour la vie et la santé qu’une maladie grave occasionne, est l’inquiétude financière. Au moins considérons nous chanceux, parce qu’au Québec, nous sommes tous couverts par la régie d’assurance maladie pour les frais médicaux et les soins liées à une maladie ou un accident.",[41,145,146],{},"​",[41,148,149,150],{},"Le problème, c’est que lorsqu’une maladie nous frappe, même si les frais médicaux sont couverts, ce ne sont pas les seules dépenses avec lesquelles on doit jongler. Perte de revenu pour nous ou nos proches, médicaments non couvert, déplacements, stationnements, hôtels, etc. ",[89,151,152],{},"Ça prend de l’argent.",[29,154,159],{"el":155,"res":156},"509ee623",{"tag":24,"class":157,"type":34,"widget":129,"container":36,"lead":158},"elementor-element elementor-element-509ee623 elementor-widget elementor-widget-heading",{"tag":131,"class":39},[41,160,161],{},"Où me procurer cet argent?",[29,163,169],{"el":164,"res":165},"22272c56",{"tag":24,"class":166,"type":34,"widget":129,"container":36,"lead":167},"elementor-element elementor-element-22272c56 elementor-widget elementor-widget-heading",{"tag":168,"class":39},"h3",[41,170,171],{},"Les REER?",[63,173,178,181,183,186,188],{"el":174,"res":175},"27ac5e52",{"tag":24,"class":176,"type":34,"widget":68,"container":36,"lead":177},"elementor-element elementor-element-27ac5e52 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,179,180],{},"On peut effectivement retirer de son bas de laine pour la retraite en cas de maladie.",[41,182,146],{},[41,184,185],{},"Le hic?",[41,187,146],{},[41,189,190],{},"On paie de l’impôt comme si c’était un salaire et on repousse l’âge de la retraite ou on diminue le niveau de vie éventuel de nos vieux jours.",[29,192,197],{"el":193,"res":194},"58462b0",{"tag":24,"class":195,"type":34,"widget":129,"container":36,"lead":196},"elementor-element elementor-element-58462b0 elementor-widget elementor-widget-heading",{"tag":168,"class":39},[41,198,199],{},"Un emprunt?",[63,201,206,209,211,213,215],{"el":202,"res":203},"8c51637",{"tag":24,"class":204,"type":34,"widget":68,"container":36,"lead":205},"elementor-element elementor-element-8c51637 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,207,208],{},"Effectivement, avec des taux d’intérêt historiquement bas, pourquoi ne pas emprunter de l’argent? L’option est intéressante dans la mesure où l’intérêt de l’emprunt ne soit pas démesuré. Une extension ou une marge de crédit hypothécaire peut être envisageable.",[41,210,146],{},[41,212,185],{},[41,214,146],{},[41,216,217],{},"Cela reste de l’argent qui devra être remboursé un jour ou l’autre et l’intérêt, aussi minime peut-il être, peut finir par être considérable.",[29,219,224],{"el":220,"res":221},"48c4be5",{"tag":24,"class":222,"type":34,"widget":129,"container":36,"lead":223},"elementor-element elementor-element-48c4be5 elementor-widget elementor-widget-heading",{"tag":168,"class":39},[41,225,226],{},"L’assurance?",[63,228,233],{"el":229,"res":230},"8d94f8d",{"tag":24,"class":231,"type":34,"widget":68,"container":36,"lead":232},"elementor-element elementor-element-8d94f8d elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,234,235],{},"Vous me voyez venir.",[29,237,242],{"el":238,"res":239},"1f5e3e94",{"tag":24,"class":240,"type":34,"widget":129,"container":36,"lead":241},"elementor-element elementor-element-1f5e3e94 elementor-widget elementor-widget-heading",{"tag":131,"class":39},[41,243,244],{},"L’assurance maladie grave: un outil fort intéressant",[63,246,251],{"el":247,"res":248},"290b6f4e",{"tag":24,"class":249,"type":34,"widget":68,"container":36,"lead":250},"elementor-element elementor-element-290b6f4e elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,252,253],{},"Ce type d’assurance est une moyen incontournable pour vous protéger en cas de maladies. Voici les trois raisons principales:",[255,256],"el-icon-list",{"el":257,"items":258,"res":259},"4a09422","[{\"num\":\"01\",\"text\":\"C’est un montant forfaitaire direct lors d’un diagnostic d’une maladie grave. Ce dernier peut être de 50 000$, 100 000$, 250 000$, voir même 1 million$.\"},{\"num\":\"02\",\"text\":\"Le montant est non imposable et diminue de beaucoup le risque de décaisser des REER ou d’emprunter de l’argent.\"},{\"num\":\"03\",\"text\":\"Le coût la l’assurance maladie grave peut devenir remboursable si elle est souscrite avec une garantie de remboursement des primes et devient donc de “l’épargne forcée”.\"}]",{"tag":24,"class":260,"type":34,"widget":261,"container":36,"lead":262},"elementor-element elementor-element-4a09422 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list","icon-list.default",{"tag":263,"class":264},"ul","elementor-icon-list-items",[29,266,271],{"el":267,"res":268},"ffdcad3",{"tag":24,"class":269,"type":34,"widget":129,"container":36,"lead":270},"elementor-element elementor-element-ffdcad3 elementor-widget elementor-widget-heading",{"tag":131,"class":39},[41,272,273],{},"Temporaire ou permanente?",[63,275,280],{"el":276,"res":277},"3ad5be24",{"tag":24,"class":278,"type":34,"widget":68,"container":36,"lead":279},"elementor-element elementor-element-3ad5be24 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,281,282],{},"Comme en assurance vie, il existe des assurances maladies graves permanentes et temporaires.",[29,284,289],{"el":285,"res":286},"469015c3",{"tag":24,"class":287,"type":34,"widget":129,"container":36,"lead":288},"elementor-element elementor-element-469015c3 elementor-widget elementor-widget-heading",{"tag":168,"class":39},[41,290,291],{},"Temporaire",[63,293,298],{"el":294,"res":295},"59d21382",{"tag":24,"class":296,"type":34,"widget":68,"container":36,"lead":297},"elementor-element elementor-element-59d21382 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,299,300],{},"10 ans, 20 ans, 30 ans, jusqu’à 65 ans, etc. Donc moins chère qu’une assurance permanente, elle protège sur une période définie. Ensuite, lorsque le contrat se termine, l’assurance ne vous protège plus.",[63,302,307],{"el":303,"res":304},"39322a32",{"tag":24,"class":305,"type":34,"widget":68,"container":36,"lead":306},"elementor-element elementor-element-39322a32 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,308,309],{},"Lorsque le moment de votre renouvellement approche, réévaluez vos besoins avec un conseiller pour adapter ou modifier les paramètres de votre assurance est très important puisque votre situation ou vos besoins auront peut-être changé avec le temps.",[29,311,316],{"el":312,"res":313},"76493ca2",{"tag":24,"class":314,"type":34,"widget":129,"container":36,"lead":315},"elementor-element elementor-element-76493ca2 elementor-widget elementor-widget-heading",{"tag":168,"class":39},[41,317,318],{},"Permanente",[63,320,325],{"el":321,"res":322},"41560451",{"tag":24,"class":323,"type":34,"widget":68,"container":36,"lead":324},"elementor-element elementor-element-41560451 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,326,327],{},"Comme son nom l’indique, c’est une couverture à vie. Vous pouvez la payer toute la vie durant ou pendant 10 ou 20 ans et ensuite l’assurance vous couvrira toujours sans que vous ayez besoin de payez encore des primes.",[29,329,334],{"el":330,"res":331},"46ac4277",{"tag":24,"class":332,"type":34,"widget":129,"container":36,"lead":333},"elementor-element elementor-element-46ac4277 elementor-widget elementor-widget-heading",{"tag":131,"class":39},[41,335,336],{},"Et le remboursement des primes lui?",[63,338,343],{"el":339,"res":340},"355736f6",{"tag":24,"class":341,"type":34,"widget":68,"container":36,"lead":342},"elementor-element elementor-element-355736f6 elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,344,345],{},"La garantie de remboursement des primes est offerte sur certains contrats. Selon l’option choisie, l’assureur rembourse 100% des primes versées dans le contrat d’assurance après une période définie (10, 20 ans ou à 65 ans) et le contrat d’assurance se termine.",[63,347,352],{"el":348,"res":349},"2551febb",{"tag":24,"class":350,"type":34,"widget":68,"container":36,"lead":351},"elementor-element elementor-element-2551febb elementor-widget elementor-widget-text-editor",{"tag":41,"class":85},[41,353,354],{},[89,355,356],{},"Avec un remboursement des primes à 100%, difficile de tourner le dos à ce genre de produit.",[102,358,364],{"el":359,"to":360,"res":361},"412b7e54","https:\u002F\u002Fapp.livsta.ca\u002FNew",{"tag":24,"class":362,"type":34,"widget":108,"container":36,"lead":363},"elementor-element elementor-element-412b7e54 elementor-align-left elementor-widget elementor-widget-button",{"tag":24,"class":110},[41,365,366],{},"Souscrivez à une assurance maladies graves",[368,369],"el-divider",{"el":370,"res":371},"3bc18471",{"tag":24,"class":372,"type":34,"widget":373,"container":36,"lead":374},"elementor-element elementor-element-3bc18471 elementor-widget-divider--view-line elementor-widget elementor-widget-divider","divider.default",{"tag":24,"class":375},"elementor-divider",[63,377,382],{"el":378,"res":379},"40ea7b91",{"tag":24,"class":380,"type":34,"widget":68,"container":36,"lead":381},"elementor-element elementor-element-40ea7b91 elementor-widget elementor-widget-text-editor",{"tag":41,"class":70},[41,383,73],{},[75,385],{"el":386,"networks":78},"2a374ab8",[102,388,393],{"el":389,"to":105,"res":390},"7908450e",{"tag":24,"class":391,"type":34,"widget":108,"container":36,"lead":392},"elementor-element elementor-element-7908450e elementor-align-left elementor-widget elementor-widget-button",{"tag":24,"class":110},[41,394,113],{},{"title":85,"searchDepth":396,"depth":396,"links":397},2,[],true,"2020-10-07","Des maladies graves, il y en a et, malheureusement, on connaît tous quelqu’un qui en a souffert. Qu’est-ce qu’on peut faire pour alléger le fardeau d’une maladie?",null,"670","md","https:\u002F\u002Flivsta.ca\u002Fconseils-finance-blogue\u002Fquest-ce-que-lassurance-maladies-graves\u002F",{},"\u002Fimages\u002F2020\u002F10\u002FheaderQuestQueAssuranceMaladieGrave.jpg","Qu'est ce que l'assurance maladies graves?","\u002Fconseils-finance-blogue\u002Fquest-ce-que-lassurance-maladies-graves","follow, index, max-snippet:-1, max-video-preview:-1, max-image-preview:large",{"title":5,"description":400,"robots":409},"Qu'est ce que l'assurance maladies graves? | Livsta","conseils-finance-blogue\u002Fquest-ce-que-lassurance-maladies-graves","HHRjbpZKDexMswjCtIwcTzYpiN_kYZK9i0Qlhp8Tudk",1790345576550]