{"id":941,"date":"2021-02-24T22:39:42","date_gmt":"2021-02-24T21:39:42","guid":{"rendered":"https:\/\/mysavings.be\/nos-produits\/delai-de-carence\/"},"modified":"2021-03-26T16:47:23","modified_gmt":"2021-03-26T15:47:23","slug":"delai-de-carence","status":"publish","type":"product","link":"https:\/\/mysavings.be\/fr\/nos-produits\/s-assurer\/revenu-garanti\/Information\/delai-de-carence\/","title":{"rendered":"D\u00e9lai de carence"},"content":{"rendered":"<p>La plupart des compagnies utilisent ce qu&rsquo;on appelle <strong>le d\u00e9lai de carence<\/strong>. C&rsquo;est en fait une sorte de franchise dans le temps. A savoir une p\u00e9riode d\u00e9termin\u00e9e durant laquelle la compagnie ne versera pas de rente m\u00eame si la personne est invalide.<\/p>\n<p>De mani\u00e8re g\u00e9n\u00e9rale, la p\u00e9riode de carence est fix\u00e9e \u00e0 1 mois. Cela signifie que vous ne commencerez \u00e0 percevoir un revenu garanti qu&rsquo;apr\u00e8s le 1er mois d&rsquo;incapacit\u00e9.<\/p>\n<p><strong>Que signifie racheter le d\u00e9lai de carence?\u00a0<\/strong><\/p>\n<p>Cela signifie qu&rsquo;en cas d&rsquo;une invalidit\u00e9 sup\u00e9rieure \u00e0 un mois, vous toucherez \u00e9galement la rente du premier mois selon avec effet r\u00e9troactif. Attention, la prime annuelle \u00e0 payer augmente sensiblement du fait de cette couverture. Evaluez bien le besoin r\u00e9el de ce rachat.<\/p>\n<p><strong>Que est le d\u00e9lai id\u00e9al de carence?<\/strong><\/p>\n<p>Une p\u00e9riode de carence de 3 mois provoque une diminution importante de la prime \u00e0 payer, tout en restant relativement bien assur\u00e9. Il est en effet n\u00e9cessaire de disposer de ce genre de couverture pour des longues p\u00e9riodes d&rsquo;invalidit\u00e9. 3 mois est en g\u00e9n\u00e9ral surmontable.<\/p>\n<p>Il existe \u00e9galement des contrats \u00e0 6 mois ou 1 an de carence mais la diff\u00e9rence de prime avec 3 mois n&rsquo;est pas \u00e9norme. Nous avons donc une pr\u00e9f\u00e9rence pour un d\u00e9lai de 3 mois.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La plupart des compagnies utilisent ce qu&rsquo;on appelle le d\u00e9lai de carence. C&rsquo;est en fait une sorte de franchise dans le temps. A savoir une p\u00e9riode d\u00e9termin\u00e9e durant laquelle la compagnie ne versera pas de rente m\u00eame si la personne est invalide. De mani\u00e8re g\u00e9n\u00e9rale, la p\u00e9riode de carence est fix\u00e9e \u00e0 1 mois. Cela [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":676,"menu_order":7,"template":"","class_list":["post-941","product","type-product","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Revenu garanti: Les d\u00e9lai de carence | MySavings<\/title>\n<meta name=\"description\" content=\"Vous avez des questions sur le d\u00e9lais de carence ? Nos experts vous accompagnent. 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