{"id":26294,"date":"2021-04-23T00:01:43","date_gmt":"2021-04-23T04:01:43","guid":{"rendered":"https:\/\/rtoero.ca\/?p=7284"},"modified":"2025-09-24T15:14:35","modified_gmt":"2025-09-24T19:14:35","slug":"quelle-est-la-difference-entre-lassurance-collective-et-lassurance-individuelle-pour-les-retraites","status":"publish","type":"post","link":"https:\/\/ententefoundation.ca\/fr\/quelle-est-la-difference-entre-lassurance-collective-et-lassurance-individuelle-pour-les-retraites\/","title":{"rendered":"Quelle est la diff\u00e9rence entre l\u2019assurance collective et l\u2019assurance individuelle pour les retrait\u00e9s?"},"content":{"rendered":"\n

Il est probable que votre couverture m\u00e9dicale et dentaire au travail est une assurance collective. Vous et vos coll\u00e8gues avez acc\u00e8s au r\u00e9gime parce que vous faites partie d\u2019un groupe – votre lieu de travail.<\/p>\n\n\n\n

L\u2019assurance sant\u00e9 et dentaire des retrait\u00e9s de RTOERO est \u00e9galement une assurance collective. Nous pouvons vous offrir une assurance collective parce que nous sommes une organisation de membres.<\/p>\n\n\n\n

\u00c0 la retraite, nos membres paient une petite cotisation annuelle pour faire partie du groupe. Votre adh\u00e9sion est gratuite jusqu\u2019\u00e0 ce que vous preniez votre retraite ou lorsque vous souscrivez notre r\u00e9gime d\u2019assurance collective Entente. La possibilit\u00e9 d\u2019adh\u00e9rer \u00e0 notre r\u00e9gime d\u2019assurance collective est l\u2019un des avantages d\u2019\u00eatre membre.<\/p>\n\n\n\n

Diff\u00e9rences entre l\u2019assurance collective et l\u2019assurance individuelle pour les retrait\u00e9s<\/h2>\n\n\n\n

Les r\u00e9gimes d\u2019assurance sant\u00e9 collective sont souvent mis sur pied par l\u2019employeur. On les pr\u00e9f\u00e8re parce qu\u2019ils offrent g\u00e9n\u00e9ralement une couverture sup\u00e9rieure \u00e0 un co\u00fbt moindre et avec beaucoup plus de stabilit\u00e9. L\u2019assurance sant\u00e9 collective est destin\u00e9e \u00e0 des groupes plus importants, ce qui r\u00e9duit le risque en le r\u00e9partissant sur les nombreux participants au r\u00e9gime.<\/p>\n\n\n\n

L\u2019achat des produits d\u2019assurance individuelle se fait directement aupr\u00e8s d\u2019une compagnie d\u2019assurance. L\u2019assurance sant\u00e9 individuelle est g\u00e9n\u00e9ralement moins compl\u00e8te et comporte plus de risques. Cela s\u2019explique par le fait que le r\u00e9gime est souvent offert publiquement, et le souscripteur est assur\u00e9 individuellement, mais partage le risque avec un groupe inconnu.<\/p>\n\n\n\n

RTOERO est unique. Nous sommes uniques parce que nous offrons des r\u00e9gimes d’assurance sant\u00e9 collective<\/a> \u00e0 une population de retrait\u00e9s. Nous sommes \u00e9galement uniques parce que la plupart de nos r\u00e9gimes sont auto-assur\u00e9s. Plut\u00f4t que d\u2019acheter un produit standard enti\u00e8rement assur\u00e9 aupr\u00e8s d\u2019une compagnie d\u2019assurance, RTOERO g\u00e8re les primes de ses membres sur une base non lucrative.<\/p>\n\n\n\n

Voici d\u2019autres fa\u00e7ons dont RTOERO est unique :<\/p>\n\n\n\n

    \n
  1. Avec l\u2019assurance sant\u00e9 collective de RTOERO, le risque est contr\u00f4l\u00e9 en n\u2019autorisant que les retrait\u00e9s de l\u2019ensemble du secteur de l\u2019\u00e9ducation \u00e0 adh\u00e9rer au r\u00e9gime. Nous sommes le plus important r\u00e9gime d\u2019assurance sant\u00e9 pour les retrait\u00e9s du secteur de l\u2019\u00e9ducation, avec plus de 100 000 souscripteurs \u00e0 travers le pays.<\/li>\n\n\n\n
  2. L\u2019assurance collective de RTOERO permet une grande flexibilit\u00e9. Avec l\u2019assurance collective, vous pouvez toujours passer \u00e0 n\u2019importe quel autre r\u00e9gime collectif ou individuel et votre acceptation est garantie. Ce n\u2019est pas toujours le cas lors de la r\u00e9siliation d\u2019un r\u00e9gime individuel.<\/li>\n\n\n\n
  3. En plus de l\u2019assurance collective, il existe de nombreux autres avantages \u00e0 faire partie de RTOERO. Voici les principales raisons de joindre RTOERO<\/a>.<\/li>\n\n\n\n
  4. Le Comit\u00e9 des assurances de RTOERO est form\u00e9 de nos membres. Ils sont charg\u00e9s d\u2019examiner et de faire des recommandations au Conseil d\u2019administration sur la conception du r\u00e9gime et les primes, en tenant compte en partie des commentaires de nos membres. L\u2019objectif principal est d\u2019offrir un r\u00e9gime de prestations de haute qualit\u00e9, rentable et qui r\u00e9pond aux besoins de la majorit\u00e9 des membres.<\/li>\n\n\n\n
  5. La prime pour la couverture d\u2019assurance de RTOERO est la m\u00eame pour tous les membres du groupe, peu importe leur \u00e9tat de sant\u00e9 actuel ou futur.<\/li>\n<\/ol>\n\n\n\n

    Comment choisir une couverture d\u2019assurance retraite<\/h2>\n\n\n\n

    Faire partie d\u2019un groupe est-il important pour vous? C\u2019est l\u2019un des facteurs \u00e0 consid\u00e9rer au moment de prendre des d\u00e9cisions sur l\u2019assurance \u00e0 la retraite. T\u00e9l\u00e9chargez notre liste de contr\u00f4le pour comparer l\u2019assurance sant\u00e9 des retrait\u00e9s<\/a> afin de vous aider dans votre d\u00e9cision.<\/p>\n\n\n\n

    Si vous vous pr\u00e9parez \u00e0 la retraite, consultez notre liste de contr\u00f4le pour la planification de la retraite<\/a> afin de vous aider \u00e0 pr\u00e9parer votre retraite au Canada.<\/p>\n\n\n\n

    Si vous-m\u00eame (ou une connaissance) \u00eates d\u00e9j\u00e0 retrait\u00e9 du secteur de l\u2019\u00e9ducation dans son ensemble et souscrivez un r\u00e9gime d\u2019assurance individuel, plusieurs options s\u2019offrent \u00e0 vous. Contactez-nous au 1-800-361-9888 pour savoir comment vous pouvez adh\u00e9rer \u00e0 notre assurance collective.<\/p>\n\n\n\n

    Si vous \u00eates pr\u00eat, vous pouvez faire une demande d\u2019assurance d\u00e8s aujourd’hui.<\/a><\/p>\n\n\n","protected":false},"excerpt":{"rendered":"

    Il est probable que votre couverture m\u00e9dicale et dentaire au travail est une assurance collective. Vous et vos coll\u00e8gues avez acc\u00e8s au r\u00e9gime parce que […]<\/p>\n","protected":false},"author":5,"featured_media":7277,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_links_to":"","_links_to_target":""},"categories":[226,339,341,123,124],"tags":[340,292,232],"class_list":["post-26294","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-assurance","category-member-benefits","category-membres-avantages","category-nouvelles-de-rtoero","category-planification-de-la-retraite","tag-assurance-sante-pour-les-retraites","tag-liste-de-controle-pour-la-retraite","tag-retirement-checklist-fr"],"featured_image_src":"https:\/\/ententefoundation.ca\/wp-content\/uploads\/2021\/04\/Quelle-est-la-difference-entre-lassurance-collective-et-lassurance-individuelle-pour-les-retraites.jpg","author_info":{"display_name":"Daniel Jones","author_link":"https:\/\/ententefoundation.ca\/fr\/author\/daniel\/"},"acf":[],"yoast_head":"\nQuelle est la diff\u00e9rence entre l\u2019assurance collective et l\u2019assurance individuelle pour les retrait\u00e9s? - Entente<\/title>\n<meta name=\"description\" content=\"Vous prenez votre retraite du secteur de l\u2019\u00e9ducation au Canada? 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