- General analysis of the conditions of the contracts
- Good Value for Money
ARC AGIPI Loan Insurance
Good Value for Money analysis in General Condition
Version as of December 2, 2022
Elements of reference
- Insurers:
- AXA France Vie SA and AXA Assurances Vie Mutuelle
- Type of contract:
- Subscription Association:
- Version of the analyzed general condition:
- Contract status:
- Open to new subscriptions
Limits on risks likely to be subscribed
- Maximum insurable capital: unlimitedknow that the file is passed on to reinsurers from a certain amount and/or level of risk
- Subscription age limit
- Death: under 80 years old
- PTIA: under 70 years
- Disability (IPT, IPP) : under 70 years
- Incapacity (ITT) : under 70 years
- Covering age limit
- Death: Sa 85th birthday of the insured
- PTIA : Sa 70th birthday of the insured
- Disability (IPT, IPP) : Sa 70th birthday of the insured
- Incapacity (ITT) : Sa 70th birthday of the insured
- Professional activities are excluded
- Sports activities are excluded
- Motor sports
- Scuba diving above 20 meters without a tank, above 40 meters with a tank
- Maritime navigation more than 40 miles from the coast
- Mountains higher than 3,500 meters above sea level
- Trekking beyond 3,500 meters above sea level
- Climbing (excluding indoor practice)
- Snowkiting
- Artistic and acrobatic skiing
- Ski jumping
- Bobsled
- Skibob
- Heli-ski
- Paraski
- Ice cart
- Mileage begins
- Combined with the Nordics
- fast ride
- Potholing
- Cannon
- Rafting
- kite surfing
- Combat sports (excluding fencing)
- Equestrian activities (excluding dressage, walking, trekking)
- Bungee jumping
- base jump
- Wingsuit and other extreme sports
- ULM
- Paragliding
- hang the glider
- Skydiving
- Aeronautical activities.
Disability coverage schemes (IPT, IPP)
- Calculating the degree of invalidity : Intersection of occupational disability rate with functional disability rateaccording to the table below:
| Disability Rate | Functional disability rate | |||||||||
| Professional | 10% | 20% | 30% | 40% | 50% | 60% | 70% | 80% | 90% | 100% |
| 10% | 10.00 | 10.56 | 11.11 | 11.67 | 12.22 | 12.78 | 13.33 | 19.89 | 26.44 | 33.00 |
| 20% | 10.56 | 20.00 | 20.63 | 21.25 | 21.88 | 22.50 | 23.13 | 27.09 | 31.04 | 35.00 |
| 30% | 11.11 | 20.63 | 30.00 | 30.71 | 33.00 | 34.00 | 35.00 | 36.00 | 37.00 | 38.00 |
| 40% | 11.67 | 21.25 | 30.71 | 40.00 | 40.83 | 41.67 | 42.50 | 43.33 | 44.17 | 45.00 |
| 50% | 12.22 | 21.88 | 33.00 | 40.83 | 50.00 | 50.60 | 51.20 | 51.80 | 52.40 | 53.00 |
| 60% | 12.78 | 22.50 | 34.00 | 41.67 | 50.60 | 60.00 | 60.50 | 61.00 | 61.50 | 62.00 |
| 70% | 13.33 | 23.13 | 35.00 | 42.50 | 51.20 | 60.50 | 70.00 | 70.67 | 71.33 | 72.00 |
| 80% | 19.89 | 27.09 | 36.00 | 43.33 | 51.80 | 61.00 | 70.67 | 80.00 | 81.00 | 82.00 |
| 90% | 26.44 | 31.04 | 37.00 | 44.17 | 52.40 | 61.50 | 71.33 | 81.00 | 90.00 | 91.00 |
| 100% | 33.00 | 35.00 | 38.00 | 45.00 | 53.00 | 62.00 | 72.00 | 82.00 | 91.00 | 100.0 |
- Nature of the occupational disability covered(IPP, IPT):
- the professional activity carried out by the member is strict
- Compensation of the insured subject to:
- a degree of disability (calculated according to the matrix above) at least 33%,
- know that a invalidity level greater than or equal to 66% produces a 100% payment.
- Selection of the insured in the subscription method in which the paid rate is applicableBetween:
- Choice n° 1 (“the most favorable for the member”): Use of the formula n / 66 in relation to the degree of disabilitywhich gives example:
- Disability rate of 33% Compensation up to 33 / 66 = 50%
- Disability rate of 45% Compensation up to 45 / 66 = 68%
- …
- Choice no. 2 (“most unfavorable for the member”): Use the letter table below:
- Disability rate of 33% Compensation up to 33.00%
- Disability rate of 34% Compensation up to 33.06%
- Disability rate of 35% Compensation up to 33.25%
- Disability rate of 36% Compensation up to 33.55%
- Disability rate of 37% Compensation up to 33.98%
- Disability rate of 38% Compensation up to 34.54%
- Disability rate of 39% Compensation up to 35.21%
- Disability rate of 40% Compensation up to 36.01%
- Disability rate of 41% Compensation up to 36.94%
- Disability rate of 42% Compensation up to 37.98%
- Disability rate of 43% Compensation up to 39.15%
- Disability rate of 44% Compensation up to 40.44%
- Disability rate of 45% Compensation up to 41.86%
- Disability rate of 46% Compensation up to 43.40%
- Disability rate of 47% Compensation up to 45.06%
- Disability rate of 48% Compensation up to 46.84%
- Disability rate of 49% Compensation up to 48.75%
- Disability rate of 50% Compensation up to 50.00%
- Disability rate of 51% Compensation up to 52.93%
- Disability rate of 52% Compensation up to 55.21%
- Disability rate of 53% Compensation up to 57.61%
- Disability rate of 54% Compensation up to 60.13%
- Disability rate of 55% Compensation up to 62.78%
- Disability rate of 56% Compensation up to 65.55%
- Disability rate of 57% Compensation up to 68.44%
- Disability rate of 58% Compensation up to 71.45%
- Disability rate of 59% Compensation up to 74.59%
- Disability rate of 60% Compensation up to 77.85%
- Disability rate of 61% Compensation up to 81.24%
- Disability rate of 62% Compensation of 84.74%
- Disability rate of 63% Compensation up to 88.37%
- Disability rate of 64% Compensation up to 92.12%
- Disability rate of 65% Compensation up to 96.00%
- Disability rate of 66% Compensation up to 100.00%
- Continuation (or not) of loan insurance payments during the insurer’s coverage period:
- In the event of disability greater than or equal to 66% and during the payment of benefits, the member is exempted pay dues that fall due.
- Continue to pay insurance contributions of the member when his disability rate less than 66%even if paid by the insurer.
- Conditions for the management of a thoraco-lumbar pathology:
- The insured chooses between two options:
- Option 1 (“most unfavorable for the participant”): Exclusion any disability resulting from a spinal conditionunless it requires continuous hospitalization for 15 days (excluding hospitalization in a rehabilitation center), where it will be taken into account for determining the degree of disability.
- Option 2 (“the most favorable for the member”): Support no condition on Psy/Dos+ option.
- The insured chooses between two options:
- Conditions for managing a mental illness:
- The insured chooses between two options:
- Option 1 (“most unfavorable for the participant”): Exclusion any disability resulting from a nervous breakdown, a condition of psychic, psychosomatic or psychiatric origin, fibromyalgia, professional overwork (burnout), an asthenia syndrome or mental illness and whatever the underlying cause, unless it requires continuous hospitalization for 30 days in a special establishment (excluding rest treatment), where it will be taken into account for determining the level of invalidity.
- Option 2 (“the most favorable for the member”): Support no condition on Psy/Dos+ option.
- The insured chooses between two options:
Incapacity cover modalities (ITT)
- Continuation (or not) of loan insurance payments during the insurer’s coverage period:
- If there is total incapacity to work, contributions will continue to be due on dates chosen by the member.
- However, during the payment of benefits, refund the contributions paid of the member at the rate of 1/365th the annual contribution per day of incapacity, minus the 90-day deductible or the deductible provided for special conditions of membership if it is for a longer period; Reimbursement occurs at the end of the period of incapacity.
- Nature of professional incompetence covered (ITT):
- the professional activity carried out by the member is strict
- Deductibles offered to choose from:
- 15 days
- 30 days
- 90 days
- 180 days
- Conditions for managing a thoracolumbar pathology:
- The insured chooses between two options:
- Option 1: Avoidance any impotence resulting from a spinal condition, unless it requires continuous hospitalization for 15 days (excluding hospitalization in a rehabilitation center), where it is covered after using the 30-day deductible or the deductible provided in the special conditions of the contract if it is for a longer period.
- Option 2: Support unconditionally with Psy/Dos+ option.
- The insured chooses between two options:
- Conditions for managing a mental illness:
- The insured chooses between two options:
- Option 1: Avoidance any disability resulting from a nervous breakdown, a condition of psychic, psychosomatic or psychiatric origin, fibromyalgia, professional overwork (burnout), a syndrome of asthenia or a mental illness and any causal origin, unless it requires continuous hospitalization for 30 days in a special establishment (excluding rest treatment), where it is covered after using the 90-day deductible or the deductible provided in the special conditions of the contract if it is for a longer period.
- Option 2: Unconditional support with the Psy/Dos+ option.
- The insured chooses between two options:
Device in case of therapeutic half-time:
- % of deadline support insurer loan: 50%
- Duration of support: maximum of 90 days
Unemployment coverage (loss of work)
- (not offered in contract)
Medical choice
- The absence of medical choice for all debts that meet the following conditions (The Lemoine law has been in effect since 1er June 2022):
- in one amount under €200,000,
- where the the term is before 60th birthday of the insured.
- The choice of medical for loans that do not fall into this framework.
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