{"id":7604,"date":"2018-01-10T06:23:03","date_gmt":"2018-01-10T06:23:03","guid":{"rendered":"http:\/\/www.rothgygax.ch\/?p=7604\/"},"modified":"2018-03-23T06:23:36","modified_gmt":"2018-03-23T06:23:36","slug":"3-questions-et-reponses-relatives-a-lincapacite-de-travail","status":"publish","type":"post","link":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/","title":{"rendered":"3 questions et r\u00e9ponses relatives \u00e0 l’incapacit\u00e9 de travail"},"content":{"rendered":"

Le syst\u00e8me suisse d’assurance sociale s’appuie sur le terme d’incapacit\u00e9 de travail pour l’octroi de vos indemnisations. Cependant une incapacit\u00e9 de travail n’est pas forc\u00e9ment une invalidit\u00e9. Si quelqu’un se retrouve dans l’incapacit\u00e9 de continuer d’exercer son m\u00e9tier, il doit trouver une autre activit\u00e9 supportable. Les indemnit\u00e9s sont suspendues ou r\u00e9duites par la suite. Cela repr\u00e9sente justement un risque consid\u00e9rable pour nos clients.<\/p>\n

Comment est-il possible d’assurer une incapacit\u00e9 de travail?<\/h2>\n

En Suisse, il n’existe pas d’assurance explicite contre l’incapacit\u00e9 de travail telle qu’elle est en partie propos\u00e9e \u00e0 l’\u00e9tranger. En plus d’une vaste couverture du risque d’incapacit\u00e9 de travail, nous avons con\u00e7u un produit sp\u00e9cial compl\u00e9mentaire pour les m\u00e9decins. Avec notre assurance accident individuel, un capital allant jusqu’\u00e0 1 050 000,- CHF est exigible selon le dommage corporel. Cette somme est vers\u00e9e ind\u00e9pendamment et en plus des indemnit\u00e9s d’autres assurances priv\u00e9es ou \u00e9tatiques.<\/p>\n

Quelles modalit\u00e9s sont propos\u00e9es?<\/h2>\n

Pour ce qui est de cette couverture on se focalise sur le catalogue d’indemnisations. Quand un chirurgien cardiaque perd son index, il ne peut plus exercer son activit\u00e9 dans ses circonstances, alors qu’un employ\u00e9 de commerce serait \u00e0 peine d\u00e9savantag\u00e9. C’est pourquoi nous avons mit au point une \u00e9chelle sp\u00e9ciale de degr\u00e9s d’invalidit\u00e9 pour les m\u00e9decins, dentistes et v\u00e9t\u00e9rinaires. Voici quelques exemples \u00e0 ce propos dans ce qui suit (liste non d\u00e9finitive):<\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n
Dommage corporel<\/td>\nIndemnisation<\/td>\n<\/tr>\n
Perte d’un bras ou d’une main<\/td>\n1 050\u00a0000,-<\/td>\n<\/tr>\n
Perte de la vue<\/td>\n1 050\u00a0000,-<\/td>\n<\/tr>\n
Perte d’un index et d’un pouce<\/td>\n1 050\u00a0000,-<\/td>\n<\/tr>\n
Parapl\u00e9gie<\/td>\n900 000,-<\/td>\n<\/tr>\n
Perte d’un index ou d’un pouce<\/td>\n450 000,-<\/td>\n<\/tr>\n
Perte d’une jambe au niveau de l’articulation du genou et au-dessus<\/td>\n450 000,-<\/td>\n<\/tr>\n
Perte d’une jambe en dessous de l’articulation du genou<\/td>\n300 000,-<\/td>\n<\/tr>\n
Perte de la vue d’un \u0153il<\/td>\n300 000,-<\/td>\n<\/tr>\n
Perte de l’extr\u00e9mit\u00e9 d’une phalange d’un pouce ou de l’index<\/td>\n210 000,-<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

Combien co\u00fbte cette couverture?<\/h2>\n

Nous avons n\u00e9goci\u00e9 pour vous des conditions exclusives de contrat-cadre dans l’esprit d’une soci\u00e9t\u00e9 coop\u00e9rative d’achats. La prime s’\u00e9l\u00e8ve \u00e0 276,- CHF pour les femmes et 380,- CHF pour les hommes par an. Il est possible d’adh\u00e9rer jusqu’\u00e0 60 ans tandis que l’assurance peut continuer jusqu’\u00e0 70 ans. Les personnes, qui ont \u00e9t\u00e9 en \u00e9tat de travailler plus de 60 jours dans les 5 derni\u00e8res ann\u00e9es, ont pu \u00eatre admises sans autre examen de sant\u00e9.<\/p>\n","protected":false},"excerpt":{"rendered":"

Le syst\u00e8me suisse d’assurance sociale s’appuie sur le terme d’incapacit\u00e9 de travail pour l’octroi de vos indemnisations. Cependant une incapacit\u00e9 de travail n’est pas forc\u00e9ment une invalidit\u00e9. Si quelqu’un se…<\/p>\n","protected":false},"author":3,"featured_media":7516,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[120,118,128],"tags":[],"class_list":["post-7604","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance-accidents-ind","category-assurances","category-prevoyance"],"acf":[],"yoast_head":"\n3 questions et r\u00e9ponses relatives \u00e0 l'incapacit\u00e9 de travail - rothgygax<\/title>\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.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"3 questions et r\u00e9ponses relatives \u00e0 l'incapacit\u00e9 de travail\" \/>\n<meta property=\"og:description\" content=\"Le syst\u00e8me suisse d’assurance sociale s’appuie sur le terme d’incapacit\u00e9 de travail pour l’octroi de vos indemnisations. Cependant une incapacit\u00e9 de travail n’est pas forc\u00e9ment une invalidit\u00e9. Si quelqu’un se...\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/\" \/>\n<meta property=\"og:site_name\" content=\"rothgygax\" \/>\n<meta property=\"article:published_time\" content=\"2018-01-10T06:23:03+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-03-23T06:23:36+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.rothgygax.ch\/wp-content\/uploads\/2018\/03\/Bild_Skalpell_1_17_1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Roger Ledermann\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Roger Ledermann\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\\\/\"},\"author\":{\"name\":\"Roger Ledermann\",\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/#\\\/schema\\\/person\\\/09df139e513c6debf849d412486f37f4\"},\"headline\":\"3 questions et r\u00e9ponses relatives \u00e0 l’incapacit\u00e9 de travail\",\"datePublished\":\"2018-01-10T06:23:03+00:00\",\"dateModified\":\"2018-03-23T06:23:36+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\\\/\"},\"wordCount\":446,\"image\":{\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rothgygax.ch\\\/wp-content\\\/uploads\\\/2018\\\/03\\\/Bild_Skalpell_1_17_1.jpg\",\"articleSection\":[\"Assurance accidents ind.\",\"Assurances\",\"Pr\u00e9voyance\"],\"inLanguage\":\"fr-FR\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\\\/\",\"url\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\\\/\",\"name\":\"3 questions et r\u00e9ponses relatives \u00e0 l'incapacit\u00e9 de travail - rothgygax\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.rothgygax.ch\\\/wp-content\\\/uploads\\\/2018\\\/03\\\/Bild_Skalpell_1_17_1.jpg\",\"datePublished\":\"2018-01-10T06:23:03+00:00\",\"dateModified\":\"2018-03-23T06:23:36+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/#\\\/schema\\\/person\\\/09df139e513c6debf849d412486f37f4\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.rothgygax.ch\\\/wp-content\\\/uploads\\\/2018\\\/03\\\/Bild_Skalpell_1_17_1.jpg\",\"contentUrl\":\"https:\\\/\\\/www.rothgygax.ch\\\/wp-content\\\/uploads\\\/2018\\\/03\\\/Bild_Skalpell_1_17_1.jpg\",\"width\":1200,\"height\":800,\"caption\":\"Berufsunf\u00e4higkeit\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Startseite\",\"item\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"3 questions et r\u00e9ponses relatives \u00e0 l’incapacit\u00e9 de travail\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/#website\",\"url\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/\",\"name\":\"rothgygax\",\"description\":\"Just another WordPress site\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/#\\\/schema\\\/person\\\/09df139e513c6debf849d412486f37f4\",\"name\":\"Roger Ledermann\",\"url\":\"https:\\\/\\\/www.rothgygax.ch\\\/fr\\\/author\\\/rothadmin\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"3 questions et r\u00e9ponses relatives \u00e0 l'incapacit\u00e9 de travail - rothgygax","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/","og_locale":"fr_FR","og_type":"article","og_title":"3 questions et r\u00e9ponses relatives \u00e0 l'incapacit\u00e9 de travail","og_description":"Le syst\u00e8me suisse d’assurance sociale s’appuie sur le terme d’incapacit\u00e9 de travail pour l’octroi de vos indemnisations. Cependant une incapacit\u00e9 de travail n’est pas forc\u00e9ment une invalidit\u00e9. Si quelqu’un se...","og_url":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/","og_site_name":"rothgygax","article_published_time":"2018-01-10T06:23:03+00:00","article_modified_time":"2018-03-23T06:23:36+00:00","og_image":[{"width":1200,"height":800,"url":"https:\/\/www.rothgygax.ch\/wp-content\/uploads\/2018\/03\/Bild_Skalpell_1_17_1.jpg","type":"image\/jpeg"}],"author":"Roger Ledermann","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Roger Ledermann","Dur\u00e9e de lecture estim\u00e9e":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/#article","isPartOf":{"@id":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/"},"author":{"name":"Roger Ledermann","@id":"https:\/\/www.rothgygax.ch\/fr\/#\/schema\/person\/09df139e513c6debf849d412486f37f4"},"headline":"3 questions et r\u00e9ponses relatives \u00e0 l’incapacit\u00e9 de travail","datePublished":"2018-01-10T06:23:03+00:00","dateModified":"2018-03-23T06:23:36+00:00","mainEntityOfPage":{"@id":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/"},"wordCount":446,"image":{"@id":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rothgygax.ch\/wp-content\/uploads\/2018\/03\/Bild_Skalpell_1_17_1.jpg","articleSection":["Assurance accidents ind.","Assurances","Pr\u00e9voyance"],"inLanguage":"fr-FR"},{"@type":"WebPage","@id":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/","url":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/","name":"3 questions et r\u00e9ponses relatives \u00e0 l'incapacit\u00e9 de travail - rothgygax","isPartOf":{"@id":"https:\/\/www.rothgygax.ch\/fr\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/#primaryimage"},"image":{"@id":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/#primaryimage"},"thumbnailUrl":"https:\/\/www.rothgygax.ch\/wp-content\/uploads\/2018\/03\/Bild_Skalpell_1_17_1.jpg","datePublished":"2018-01-10T06:23:03+00:00","dateModified":"2018-03-23T06:23:36+00:00","author":{"@id":"https:\/\/www.rothgygax.ch\/fr\/#\/schema\/person\/09df139e513c6debf849d412486f37f4"},"breadcrumb":{"@id":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/#primaryimage","url":"https:\/\/www.rothgygax.ch\/wp-content\/uploads\/2018\/03\/Bild_Skalpell_1_17_1.jpg","contentUrl":"https:\/\/www.rothgygax.ch\/wp-content\/uploads\/2018\/03\/Bild_Skalpell_1_17_1.jpg","width":1200,"height":800,"caption":"Berufsunf\u00e4higkeit"},{"@type":"BreadcrumbList","@id":"https:\/\/www.rothgygax.ch\/fr\/3-questions-et-reponses-relatives-a-lincapacite-de-travail\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Startseite","item":"https:\/\/www.rothgygax.ch\/fr\/"},{"@type":"ListItem","position":2,"name":"3 questions et r\u00e9ponses relatives \u00e0 l’incapacit\u00e9 de travail"}]},{"@type":"WebSite","@id":"https:\/\/www.rothgygax.ch\/fr\/#website","url":"https:\/\/www.rothgygax.ch\/fr\/","name":"rothgygax","description":"Just another WordPress site","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.rothgygax.ch\/fr\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Person","@id":"https:\/\/www.rothgygax.ch\/fr\/#\/schema\/person\/09df139e513c6debf849d412486f37f4","name":"Roger Ledermann","url":"https:\/\/www.rothgygax.ch\/fr\/author\/rothadmin\/"}]}},"_links":{"self":[{"href":"https:\/\/www.rothgygax.ch\/fr\/wp-json\/wp\/v2\/posts\/7604","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.rothgygax.ch\/fr\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.rothgygax.ch\/fr\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.rothgygax.ch\/fr\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rothgygax.ch\/fr\/wp-json\/wp\/v2\/comments?post=7604"}],"version-history":[{"count":1,"href":"https:\/\/www.rothgygax.ch\/fr\/wp-json\/wp\/v2\/posts\/7604\/revisions"}],"predecessor-version":[{"id":7605,"href":"https:\/\/www.rothgygax.ch\/fr\/wp-json\/wp\/v2\/posts\/7604\/revisions\/7605"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rothgygax.ch\/fr\/wp-json\/wp\/v2\/media\/7516"}],"wp:attachment":[{"href":"https:\/\/www.rothgygax.ch\/fr\/wp-json\/wp\/v2\/media?parent=7604"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.rothgygax.ch\/fr\/wp-json\/wp\/v2\/categories?post=7604"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.rothgygax.ch\/fr\/wp-json\/wp\/v2\/tags?post=7604"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}