{"id":1644,"date":"2025-04-30T08:37:19","date_gmt":"2025-04-30T08:37:19","guid":{"rendered":"http:\/\/invexa.ch\/?page_id=1644"},"modified":"2026-02-09T06:41:52","modified_gmt":"2026-02-09T06:41:52","slug":"assurance-perte-de-gain","status":"publish","type":"page","link":"https:\/\/invexa.ch\/en\/services\/assurance-perte-de-gain\/","title":{"rendered":"Loss of earnings insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1644\" class=\"elementor elementor-1644\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8083f17 e-flex e-con-boxed e-con e-parent\" data-id=\"8083f17\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7ccd72c e-con-full e-flex e-con e-child\" data-id=\"7ccd72c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45cf655 elementor-widget__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"45cf655\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><nav aria-label=\"breadcrumbs\" class=\"rank-math-breadcrumb\"><p><span class=\"last\">Home<\/span><\/p><\/nav><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4b8c760 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"4b8c760\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Assurance incapacit\u00e9 de gain<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b2c4cfa elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"b2c4cfa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tProt\u00e9gez vos revenus en cas d\u2019incapacit\u00e9 de travail due \u00e0 une maladie ou un accident. Cette assurance priv\u00e9e vous permet de maintenir un niveau de vie stable lorsque vous ne pouvez plus exercer votre activit\u00e9 professionnelle.\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6785a61 elementor-mobile-align-justify elementor-align-left elementor-widget__width-auto elementor-widget-mobile__width-inherit elementor-widget elementor-widget-button\" data-id=\"6785a61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/meetings-eu1.hubspot.com\/claire-fivaz\/appel-decouverte?uuid=6b636502-bf0f-48da-a842-1b648eefccf8\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Planifier un rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e2c2205 e-flex e-con-boxed e-con e-parent\" data-id=\"e2c2205\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b83860a e-con-full e-flex e-con e-child\" data-id=\"b83860a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-888cbf3 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"888cbf3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#besoins\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Vos besoins<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5eb1048 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"5eb1048\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#information\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">S'informer<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8bce1fa posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"8bce1fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#faq\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Questions fr\u00e9quentes<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b8d97e9 posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"b8d97e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#conseil\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demander un conseil<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-70f5c65 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"70f5c65\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-05757fa\" data-id=\"05757fa\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64fd0fa elementor-widget elementor-widget-menu-anchor\" data-id=\"64fd0fa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"besoins\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d97cdf5 elementor-widget elementor-widget-heading\" data-id=\"d97cdf5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Une assurance perte de gain pour s\u00e9curiser votre revenu<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08d0ee0 elementor-widget elementor-widget-text-editor\" data-id=\"08d0ee0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019<strong>assurance perte de gain<\/strong>, souvent appel\u00e9e aussi assurance incapacit\u00e9 de gain, garantit le versement d\u2019un revenu si vous \u00eates temporairement ou durablement incapable de travailler \u00e0 cause d\u2019une maladie ou d\u2019un accident.<\/p><p>Sans cette protection, quelques semaines d\u2019arr\u00eat peuvent mettre en p\u00e9ril votre stabilit\u00e9 financi\u00e8re. Cette assurance est essentielle pour pr\u00e9server votre niveau de vie et assurer la continuit\u00e9 de vos revenus, en compl\u00e9ment des prestations du 1er et <a href=\"https:\/\/invexa.ch\/prevoyance\/2eme-pilier\/\">2\u00e8me pilier<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82d1033 elementor-widget elementor-widget-toggle\" data-id=\"82d1033\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1371\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1371\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Pourquoi souscrire une assurance perte de gain ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1371\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1371\"><p>Vos factures, loyers et charges continuent m\u00eame quand votre salaire s\u2019arr\u00eate. L\u2019assurance perte de gain prend le relais et vous verse une <strong>indemnit\u00e9 journali\u00e8re<\/strong> pendant votre <strong>p\u00e9riode d\u2019incapacit\u00e9<\/strong>. Cela vous permet de maintenir vos d\u00e9penses courantes sans entamer vos \u00e9conomies, tout en prot\u00e9geant votre famille et vos projets financiers.<\/p><p>C\u2019est une solution simple et efficace pour faire face aux impr\u00e9vus sans compromettre votre s\u00e9curit\u00e9 \u00e9conomique.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1372\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1372\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Une couverture personnalis\u00e9e selon votre profil<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1372\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1372\"><p>Le <strong>montant<\/strong> de la couverture, la <strong>dur\u00e9e<\/strong> d\u2019indemnisation ou encore le <strong>d\u00e9lai de carence<\/strong> doivent \u00eatre adapt\u00e9s \u00e0 votre situation personnelle.<\/p><p>Nous analysons vos revenus, votre statut professionnel et vos autres assurances pour construire une protection sur mesure. Vous b\u00e9n\u00e9ficiez ainsi d\u2019une assurance perte de gain optimis\u00e9e, \u00e0 la fois compl\u00e8te et au juste prix.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1373\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1373\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Un compl\u00e9ment indispensable aux assurances sociales<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-1373\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1373\"><p>L\u2019assurance-invalidit\u00e9 (AI) et la LAA (accidents) ou <a href=\"https:\/\/invexa.ch\/prevoyance\/rente-lpp-cas-invalidite\/\">LPP (maladie)<\/a> ne couvrent qu\u2019une <strong>partie limit\u00e9e<\/strong> de votre revenu.<\/p><p>Une assurance perte de gain priv\u00e9e comble ces lacunes et garantit une protection financi\u00e8re compl\u00e8te. En cas d\u2019arr\u00eat prolong\u00e9, vous conservez un revenu r\u00e9gulier, la s\u00e9r\u00e9nit\u00e9 et la possibilit\u00e9 de vous concentrer sur l\u2019essentiel: votre sant\u00e9.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-7001adf\" data-id=\"7001adf\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-93c0a1e elementor-widget__width-initial elementor-widget elementor-widget-image\" data-id=\"93c0a1e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"800\" height=\"800\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Une-assurance-perte-de-gain-pour-securiser-votre-revenu-1024x1024.png\" class=\"attachment-large size-large wp-image-5549\" alt=\"Une assurance perte de gain pour s\u00e9curiser votre revenu\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Une-assurance-perte-de-gain-pour-securiser-votre-revenu-1024x1024.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Une-assurance-perte-de-gain-pour-securiser-votre-revenu-300x300.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Une-assurance-perte-de-gain-pour-securiser-votre-revenu-150x150.png 150w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Une-assurance-perte-de-gain-pour-securiser-votre-revenu-768x768.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Une-assurance-perte-de-gain-pour-securiser-votre-revenu-1536x1536.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Une-assurance-perte-de-gain-pour-securiser-votre-revenu-12x12.png 12w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/10\/Une-assurance-perte-de-gain-pour-securiser-votre-revenu.png 1563w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-acebb9c elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"acebb9c\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9227458\" data-id=\"9227458\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b08e76b elementor-widget elementor-widget-menu-anchor\" data-id=\"b08e76b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"information\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d56b9a2 elementor-widget elementor-widget-heading\" data-id=\"d56b9a2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Tout savoir sur la pr\u00e9voyance priv\u00e9e<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0fc7e41 elementor-widget elementor-widget-text-editor\" data-id=\"0fc7e41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez nos guides destin\u00e9s \u00e0 vous informer sur la pr\u00e9voyance priv\u00e9e en Suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-644a43d posts-slider elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"644a43d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/fr\/tag\/3eme-pilier\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">En savoir plus sur la pr\u00e9voyance priv\u00e9e<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-43f8437 elementor-grid-4 posts-slider elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-widget elementor-widget-posts\" data-id=\"43f8437\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;classic_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:9,&quot;sizes&quot;:[]},&quot;classic_columns&quot;:&quot;4&quot;,&quot;classic_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:7,&quot;sizes&quot;:[]},&quot;classic_columns_tablet&quot;:&quot;2&quot;,&quot;classic_columns_mobile&quot;:&quot;1&quot;,&quot;classic_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.classic\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-classic elementor-grid\" role=\"list\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-9213 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3eme-pilier tag-pilier-3a tag-pilier-3b\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-maladie-grave-peut-on-retirer-son-argent\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-9220\" alt=\"3\u00e8me pilier et maladie grave: Peut-on retirer son argent en cas d&#039;invalidit\u00e9 AI\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-18x8.png 18w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/elementor\/thumbs\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI-rlp2jmfii020lqavsum9a95dljbp5tnjqkkc8rdw20.png 1100w, https:\/\/invexa.ch\/wp-content\/uploads\/2026\/04\/3eme-pilier-et-maladie-grave-Peut-on-retirer-son-argent-en-cas-dinvalidite-AI.png 1700w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-maladie-grave-peut-on-retirer-son-argent\/\">\n\t\t\t\t3\u00e8me pilier et maladie grave : peut-on retirer son argent en cas d\u2019invalidit\u00e9 AI ?\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-maladie-grave-peut-on-retirer-son-argent\/\" aria-label=\"Read more about 3\u00e8me pilier et maladie grave : peut-on retirer son argent en cas d\u2019invalidit\u00e9 AI ?\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-885 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3b tag-3eme-pilier tag-frontalier\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-pour-frontalier\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"768\" height=\"432\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-768x432.png\" class=\"attachment-medium_large size-medium_large wp-image-926\" alt=\"3\u00e8me pilier pour frontalier\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-768x432.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-300x169.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-1024x576.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier-1536x864.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/04\/3eme-pilier-pour-frontalier.png 1680w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-pour-frontalier\/\">\n\t\t\t\t3\u00e8me pilier frontalier suisse (2026) : Fiscalit\u00e9, TOU et retrait\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier-pour-frontalier\/\" aria-label=\"Read more about 3\u00e8me pilier frontalier suisse (2026) : Fiscalit\u00e9, TOU et retrait\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-827 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3b tag-3eme-pilier tag-independant\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/pilier-3b\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-974\" alt=\"Pilier 3b tout savoir sur la pr\u00e9voyance libre\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2-1536x699.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/elementor\/thumbs\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2-r7g211dj7zto4a41om0ar0r5ui3ed3ed2iet87p5e0.png 1100w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/Pilier-3b-tout-savoir-sur-la-prevoyance-libre-2.png 1640w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/prevoyance\/pilier-3b\/\">\n\t\t\t\tPilier 3b: tout savoir sur la pr\u00e9voyance libre (2026)\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/pilier-3b\/\" aria-label=\"Read more about Pilier 3b: tout savoir sur la pr\u00e9voyance libre (2026)\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-628 post type-post status-publish format-standard has-post-thumbnail hentry category-prevoyance tag-3a tag-3b tag-3eme-pilier tag-independant tag-retraite\" role=\"listitem\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier\/\" tabindex=\"-1\">\n\t\t\t<div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"349\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-768x349.png\" class=\"attachment-medium_large size-medium_large wp-image-1106\" alt=\"3\u00e8me pilier le guide complet\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-768x349.png 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-300x136.png 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-1024x466.png 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet-1536x698.png 1536w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/03\/3eme-pilier-le-guide-complet.png 1757w\" sizes=\"(max-width: 768px) 100vw, 768px\" \/><\/div>\n\t\t<\/a>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h4 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier\/\">\n\t\t\t\t3\u00e8me pilier\t\t\t<\/a>\n\t\t<\/h4>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/invexa.ch\/en\/prevoyance\/3eme-pilier\/\" aria-label=\"Read more about 3\u00e8me pilier\" tabindex=\"-1\" target=\"_blank\">\n\t\t\tEn savoir plus &#8594;\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/article>\n\t\t\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a96c6ac elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a96c6ac\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-aca2e1e\" data-id=\"aca2e1e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-64ea847 elementor-widget elementor-widget-heading\" data-id=\"64ea847\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi souscrire une assurance incapacit\u00e9 de gain ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f7a546d elementor-widget elementor-widget-text-editor\" data-id=\"f7a546d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez 4 bonnes raisons de souscrire une assurance perte de gain en Suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-cb823ef elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"cb823ef\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-extended\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-a3e12e0\" data-id=\"a3e12e0\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-5fa590a elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"5fa590a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#b5e0f8\" d=\"M 170.425781 316.195312 C 170.425781 319.054688 167.863281 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11268.592822 C 12642.802603 11268.592822 12886.704394 11205.890834 12926.303034 11004.792341 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -1889.770311, 1822.835496)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 13208.188716 11166.292193 L 13165.907106 10948.201561 L 13289.398224 10833.206512 L 13168.192598 10500.095989 L 13537.200258 10863.489287 L 13403.797058 10991.998552 L 13453.804626 11140.00903 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 129.65625 137.691406 C 129.65625 144.671875 124.011719 150.300781 117.042969 150.300781 C 110.0625 150.300781 104.417969 144.671875 104.417969 137.691406 C 104.417969 130.726562 110.0625 125.0625 117.042969 125.0625 C 124.011719 125.0625 129.65625 130.726562 129.65625 137.691406 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 130.394531 132.234375 C 130.394531 136.132812 127.203125 139.324219 123.285156 139.324219 C 119.355469 139.324219 116.179688 136.132812 116.179688 132.234375 C 116.179688 128.304688 119.355469 125.128906 123.285156 125.128906 C 127.203125 125.128906 130.394531 128.304688 130.394531 132.234375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tGarantir un revenu \u00e0 long terme\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEn cas d\u2019invalidit\u00e9 partielle ou totale, l\u2019assurance IG vous verse une rente r\u00e9guli\u00e8re, qui compl\u00e8te les prestations de l\u2019AI et du 2e pilier.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-f8830dc\" data-id=\"f8830dc\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e726ec2 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e726ec2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -223.435733, 1822.835496)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 3560.33882 10568.511709 C 3645.299517 10483.501327 3645.299517 10345.800407 3560.33882 10260.889395 L 2773.160571 9473.661461 C 2688.199873 9388.750448 2550.474112 9388.750448 2465.538257 9473.661461 L 1690.383685 10248.79119 C 1605.422988 10333.801572 1605.422988 10471.502491 1690.383685 10556.388662 L 2477.611619 11343.591753 C 2562.572316 11428.502766 2700.298078 11428.502766 2785.233933 11343.591753 Z M 3560.33882 10568.511709 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 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stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tCouvrir les lacunes\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLes rentes AI et LPP\/LAA ne compensent souvent qu\u2019une partie du revenu ant\u00e9rieur. L\u2019assurance IG est le seul moyen de garantir un compl\u00e9ment sur mesure.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-cfee7da\" data-id=\"cfee7da\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-13b7e04 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"13b7e04\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -640.268329, 983.000911)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 5276.846606 6053.753579 C 5274.958591 6053.753579 5273.020891 6053.753579 5271.08319 6053.753579 C 5269.14549 6053.753579 5267.232632 6053.753579 5265.27009 6053.753579 C 4827.374707 6053.753579 4469.695141 5758.477892 4446.293685 5386.489156 L 4502.114354 5386.489156 C 4528.198779 5468.394249 4605.78131 5529.108852 4695.437204 5529.108852 C 4784.770147 5529.108852 4862.079413 5468.791726 4888.437103 5387.209583 C 4914.720266 5468.791726 4992.104059 5529.108852 5081.486687 5529.108852 C 5167.391392 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-0.157242, -640.268329, 983.000911)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 5081.486687 5529.108852 C 5081.486687 5529.108852 5062.854955 5878.83888 5222.118999 6052.933782 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -640.268329, 983.000911)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 5827.923549 5533.630153 C 5796.125394 5709.016855 5709.599631 5961.290504 5470.119771 6032.587931 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -640.268329, 983.000911)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 5479.559849 5526.450725 C 5479.559849 5526.450725 5498.141896 5876.131068 5338.902694 6050.275655 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -640.268329, 983.000911)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 5271.08319 5059.489841 L 5271.08319 5386.489156 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#ffffff\" d=\"M 279.285156 237.21875 C 279.285156 286.042969 239.691406 325.621094 190.855469 325.621094 C 142.015625 325.621094 102.421875 286.042969 102.421875 237.21875 C 102.421875 188.363281 142.015625 148.769531 190.855469 148.769531 C 239.691406 148.769531 279.285156 188.363281 279.285156 237.21875 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -640.268329, 983.000911)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 5848.020977 4742.899453 C 5848.020977 4432.395432 5596.219332 4180.693156 5285.640784 4180.693156 C 4975.037393 4180.693156 4723.235747 4432.395432 4723.235747 4742.899453 C 4723.235747 5053.602214 4975.037393 5305.403859 5285.640784 5305.403859 C 5596.219332 5305.403859 5848.020977 5053.602214 5848.020977 4742.899453 Z M 5848.020977 4742.899453 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 251.503906 216.273438 L 211.785156 216.273438 L 211.785156 176.554688 C 211.785156 175.03125 210.546875 173.773438 209.015625 173.773438 L 172.691406 173.773438 C 171.15625 173.773438 169.921875 175.03125 169.921875 176.554688 L 169.921875 216.273438 L 130.203125 216.273438 C 128.675781 216.273438 127.433594 217.515625 127.433594 219.042969 L 127.433594 255.363281 C 127.433594 256.890625 128.675781 258.132812 130.203125 258.132812 L 169.921875 258.132812 L 169.921875 297.835938 C 169.921875 299.375 171.15625 300.632812 172.691406 300.632812 L 209.015625 300.632812 C 210.546875 300.632812 211.785156 299.375 211.785156 297.835938 L 211.785156 258.132812 L 251.503906 258.132812 C 253.03125 258.132812 254.273438 256.890625 254.273438 255.363281 L 254.273438 219.042969 C 254.273438 217.515625 253.03125 216.273438 251.503906 216.273438 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tPr\u00e9server votre niveau de vie\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUne incapacit\u00e9 de travail prolong\u00e9e peut compromettre votre niveau de vie. L\u2019assurance IG permet de conserver un revenu, m\u00eame en cas d\u2019invalidit\u00e9 reconnue.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-a6a96da\" data-id=\"a6a96da\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-a2010ec elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"a2010ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2709.989122, 571.14829)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 17837.503718 1509.194186 C 17837.503718 1509.194186 18114.892942 1710.392048 18539.497689 1685.9969 C 18718.089049 1675.712184 18996.099331 1749.990689 19150.593651 1915.291414 C 19272.892339 2046.111013 19131.291177 2166.596213 18989.193169 2069.611838 C 18734.807923 1895.88957 18607.192981 1912.807183 18373.501379 1965.398351 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2709.989122, 571.14829)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 17994.904589 1887.691608 C 18079.989497 1900.08792 18187.507011 1903.590686 18284.292647 1885.306746 C 18496.992498 1845.11189 18523.002396 2056.097622 18323.891288 2091.001066 C 18150.889447 2121.308683 17929.494789 2190.196406 17742.20862 1977.198448 C 17709.39193 1939.810773 17595.489943 1823.300343 17595.489943 1823.300343 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2709.989122, 571.14829)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 19161.698163 3433.90177 C 19161.698163 3433.90177 18884.30894 3232.703908 18459.704192 3257.099056 C 18281.187359 3267.309245 18003.003181 3193.005898 17848.60823 3027.903912 C 17726.309542 2897.009785 17867.910704 2776.499744 18010.008712 2873.409592 C 18264.294589 3047.107017 18392.0089 3030.189404 18625.700502 2977.598236 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2709.989122, 571.14829)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 19004.297293 3055.404348 C 18919.113015 3042.908667 18811.69487 3039.60464 18714.909234 3057.78921 C 18502.209383 3097.909539 18476.100116 2887.097704 18675.310593 2852.09489 C 18848.213064 2821.687904 19069.806462 2752.700812 19256.993261 2965.996878 C 19289.710582 3003.310026 19403.811308 3119.696244 19403.811308 3119.696244 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 256.425781 193.957031 C 262.496094 187.730469 266.207031 179.253906 266.207031 169.882812 C 266.207031 150.792969 250.734375 135.304688 231.644531 135.304688 C 220.917969 135.304688 211.34375 140.210938 205.023438 147.867188 C 198.667969 140.210938 189.09375 135.304688 178.371094 135.304688 C 159.28125 135.304688 143.824219 150.792969 143.824219 169.882812 C 143.824219 179.253906 147.769531 188.136719 153.636719 193.988281 C 154.894531 195.246094 158.085938 198.109375 159.5 199.175781 L 206.011719 240.1875 L 252.132812 197.886719 C 253.15625 197.070312 256.441406 193.957031 256.441406 193.957031 L 256.425781 193.957031 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tProtection de votre famille\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tEn preservant votre niveau de vie ant\u00e9rieur, vous assurez \u00e0 votre famille une s\u00e9curit\u00e9 financi\u00e8re dans le cas o\u00f9 vous ne pouvez plus travailler.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-577e659 elementor-section-height-min-height elementor-section-items-stretch elementor-section-content-middle elementor-section-boxed elementor-section-height-default\" data-id=\"577e659\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-18f5d00\" data-id=\"18f5d00\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-bfc581e elementor-widget elementor-widget-menu-anchor\" data-id=\"bfc581e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"faq\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fa337e8 elementor-widget elementor-widget-heading\" data-id=\"fa337e8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions fr\u00e9quentes sur l'assurance maladie<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e18c44a elementor-widget-mobile__width-inherit elementor-widget elementor-widget-text-editor\" data-id=\"e18c44a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Voici les r\u00e9ponses aux questions les plus fr\u00e9quentes sur l&rsquo;assurance maladie en Suisse.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-a06b844\" data-id=\"a06b844\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e64e16a elementor-widget elementor-widget-toggle\" data-id=\"e64e16a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2411\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2411\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Qu\u2019est-ce qu\u2019une assurance incapacit\u00e9 de gain en Suisse ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2411\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2411\"><p>Une assurance incapacit\u00e9 de gain est une couverture priv\u00e9e qui verse une rente si vous devenez incapable de travailler durablement \u00e0 cause d\u2019une maladie ou d\u2019un accident. Elle compl\u00e8te les prestations de l\u2019AI et du 2e pilier, qui sont souvent insuffisantes pour maintenir votre niveau de vie.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2412\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2412\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Quelles sont les prestations de l'AVS et la LPP en cas d'incapacit\u00e9 de gain ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2412\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2412\"><p>En cas d&rsquo;incapacit\u00e9 de gain \u00e0 la suite d&rsquo;une <strong>maladie<\/strong>, vous pouvez vous attendre \u00e0 recevoir environ <strong>60%<\/strong> (AVS et LPP combin\u00e9s) de votre salaire ant\u00e9rieur.<\/p><p>En cas d&rsquo;incapacit\u00e9 de gain \u00e0 la suite d&rsquo;un <strong>accident<\/strong>, les prestations sont meilleures. Vous pouvez recevoir jusqu&rsquo;\u00e0<strong> 90%<\/strong> de votre gain ant\u00e9rieur.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2413\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2413\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">L\u2019assurance incapacit\u00e9 de gain est-elle obligatoire en Suisse ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2413\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2413\"><p>Non, elle est facultative. Mais elle est fortement recommand\u00e9e pour les <strong>ind\u00e9pendants<\/strong>, dirigeants et salari\u00e9s avec un <strong>revenu \u00e9lev\u00e9<\/strong>, car les rentes AI et LPP sont plafonn\u00e9es et peuvent laisser une lacune important.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2414\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2414\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Pourquoi l'assurance incapacit\u00e9 de gain est fortement recommand\u00e9e pour les ind\u00e9pendants ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2414\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2414\"><p>Les ind\u00e9pendants ne sont pas affili\u00e9s \u00e0 une caisse de pension (sauf si affiliation volontaire). Il ne b\u00e9n\u00e9ficient donc pas des prestations de la LPP et LAA en cas d&rsquo;incapacit\u00e9 de gain \u00e0 la suite d&rsquo;une maladie ou d&rsquo;un accident. Un ind\u00e9pendant recevrait donc uniquement des prestations de l&rsquo;AI, qui sont tr\u00e8s <strong>faibles<\/strong> (rente AVS maximum en 2025: <strong>2&rsquo;520 CHF<\/strong> par mois).<\/p><p>Une assurance incapacit\u00e9 de gain permet donc de se premunir contre un important manque \u00e0 gagner.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2415\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2415\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Les primes sont-elles fiscalement d\u00e9ductibles ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2415\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2415\"><p>Oui, jusqu&rsquo;au <strong>montant maximal<\/strong> si vous souscrivez dans le cadre du <strong><a href=\"http:\/\/invexa.ch\/prevoyance\/pilier-3a-tout-savoir-sur-la-prevoyance-liee\/\">pilier 3a<\/a><\/strong>. Dans le cadre du <strong><a href=\"http:\/\/invexa.ch\/prevoyance\/pilier-3b-tout-savoir-sur-la-prevoyance-libre\/\">pilier 3b<\/a><\/strong>, elles ne sont pas d\u00e9ductibles (sauf Gen\u00e8ve et Fribourg jusqu&rsquo;\u00e0 un certain montant). Nos conseillers vous orientent vers la meilleure option fiscale selon votre situation.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2416\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2416\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Puis-je cumuler une rente AI, une rente LPP\/LAA et une rente IG ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2416\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2416\"><p>Oui, l\u2019assurance IG compl\u00e8te les rentes AI et LPP. Le but est de vous garantir un revenu total \u00e9quivalent \u00e0 environ <strong>90 %<\/strong> (ou plus) de votre salaire ant\u00e9rieur, en coordination avec les autres prestations.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2417\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2417\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment pouvez-vous m'aider ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2417\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2417\"><p>Invexa est un cabinet de conseil patrimonial <strong>100 % ind\u00e9pendant<\/strong>. Nous identifions les meilleures offres du march\u00e9 et vous accompagnons dans le choix d\u2019un contrat adapt\u00e9 \u00e0 votre profil, vos besoins et votre budget.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2418\" class=\"elementor-tab-title\" data-tab=\"8\" role=\"button\" aria-controls=\"elementor-tab-content-2418\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-right\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Comment comparer les assurances perte de gain ?<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2418\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"8\" role=\"region\" aria-labelledby=\"elementor-tab-title-2418\"><p>\n    Toutes les <strong>assurances perte de gain<\/strong> ne se valent pas. \n    Les offres diff\u00e8rent selon le <strong>taux d\u2019indemnisation<\/strong>, \n    la <strong>dur\u00e9e de couverture<\/strong>, le <strong>d\u00e9lai de carence<\/strong> \n    et, bien s\u00fbr, le <strong>prix<\/strong>.  \n    Pour choisir la meilleure solution, il faut aller au-del\u00e0 de la prime mensuelle \n    et comprendre les <strong>conditions r\u00e9elles d\u2019indemnisation<\/strong>.\n  <\/p>\n\n  <div style=\"margin-top: 1.5em;\">\n    <p><strong>1. Le taux et la dur\u00e9e d\u2019indemnisation<\/strong><\/p>\n    <p>\n      Certaines assurances perte de gain couvrent <strong>80&nbsp;% du salaire<\/strong>, \n      d\u2019autres <strong>90&nbsp;% ou 100&nbsp;%<\/strong>.  \n      La dur\u00e9e d\u2019indemnisation peut aller de quelques mois \u00e0 deux ans, \n      voire jusqu\u2019\u00e0 la reconnaissance d\u2019une invalidit\u00e9.  \n      Plus la couverture est longue, plus la prime est \u00e9lev\u00e9e \u2014 \n      mais aussi plus votre revenu est s\u00e9curis\u00e9.\n    <\/p>\n  <\/div>\n\n  <div style=\"margin-top: 1.5em;\">\n    <p><strong>2. Le d\u00e9lai de carence<\/strong><\/p>\n    <p>\n      Le <strong>d\u00e9lai de carence<\/strong> correspond au nombre de jours entre le d\u00e9but \n      de l\u2019incapacit\u00e9 et le versement des prestations.  \n      Un d\u00e9lai court (par ex. <strong>14 jours<\/strong>) co\u00fbte plus cher mais prot\u00e8ge plus vite.  \n      Un d\u00e9lai plus long (30, 60 ou 90 jours) r\u00e9duit la prime, \n      mais laisse un vide temporaire \u00e0 combler.\n    <\/p>\n  <\/div>\n\n  <div style=\"margin-top: 1.5em;\">\n    <p><strong>3. Les exclusions et conditions<\/strong><\/p>\n    <p>\n      Chaque contrat contient des <strong>clauses d\u2019exclusion<\/strong> : \n      maladies pr\u00e9existantes, affections psychiques, rechutes, etc.  \n      Il est essentiel de les examiner attentivement.  \n      Une assurance perte de gain trop bon march\u00e9 peut cacher \n      des conditions restrictives qui limitent vos droits en cas de sinistre.\n    <\/p>\n  <\/div>\n\n  <div style=\"margin-top: 1.5em;\">\n    <p><strong>4. La stabilit\u00e9 et la r\u00e9putation de l\u2019assureur<\/strong><\/p>\n    <p>\n      La <strong>solidit\u00e9 financi\u00e8re<\/strong> de l\u2019assureur et la qualit\u00e9 de son \n      <strong>service client<\/strong> sont d\u00e9terminantes.  \n      En cas d\u2019incapacit\u00e9, vous avez besoin d\u2019un partenaire r\u00e9actif et fiable.  \n      Mieux vaut une assurance perte de gain l\u00e9g\u00e8rement plus ch\u00e8re mais efficace \n      au moment critique, qu\u2019une offre \u201clow cost\u201d qui tarde \u00e0 verser les prestations.\n    <\/p>\n  <\/div>\n\n  <div style=\"margin-top: 1.5em;\">\n    <p><strong>5. L\u2019adaptation \u00e0 votre statut<\/strong><\/p>\n    <p>\n      Un <strong>ind\u00e9pendant<\/strong> n\u2019a pas les m\u00eames besoins qu\u2019un <strong>salari\u00e9<\/strong>.  \n      Les montants, les d\u00e9lais et les couvertures doivent \u00eatre personnalis\u00e9s \n      selon votre activit\u00e9, vos revenus et vos autres assurances.  \n      Une analyse professionnelle vous aide \u00e0 choisir une \n      <strong>assurance perte de gain r\u00e9ellement adapt\u00e9e<\/strong> \u00e0 votre situation.\n    <\/p>\n  <\/div><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t<script type=\"application\/ld+json\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@type\":\"FAQPage\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Qu\\u2019est-ce qu\\u2019une assurance incapacit\\u00e9 de gain en Suisse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Une assurance incapacit\\u00e9 de gain est une couverture priv\\u00e9e qui verse une rente si vous devenez incapable de travailler durablement \\u00e0 cause d\\u2019une maladie ou d\\u2019un accident. Elle compl\\u00e8te les prestations de l\\u2019AI et du 2e pilier, qui sont souvent insuffisantes pour maintenir votre niveau de vie.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Quelles sont les prestations de l'AVS et la LPP en cas d'incapacit\\u00e9 de gain ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>En cas d&rsquo;incapacit\\u00e9 de gain \\u00e0 la suite d&rsquo;une <strong>maladie<\\\/strong>, vous pouvez vous attendre \\u00e0 recevoir environ <strong>60%<\\\/strong> (AVS et LPP combin\\u00e9s) de votre salaire ant\\u00e9rieur.<\\\/p><p>En cas d&rsquo;incapacit\\u00e9 de gain \\u00e0 la suite d&rsquo;un <strong>accident<\\\/strong>, les prestations sont meilleures. Vous pouvez recevoir jusqu&rsquo;\\u00e0<strong> 90%<\\\/strong> de votre gain ant\\u00e9rieur.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"L\\u2019assurance incapacit\\u00e9 de gain est-elle obligatoire en Suisse ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Non, elle est facultative. Mais elle est fortement recommand\\u00e9e pour les <strong>ind\\u00e9pendants<\\\/strong>, dirigeants et salari\\u00e9s avec un <strong>revenu \\u00e9lev\\u00e9<\\\/strong>, car les rentes AI et LPP sont plafonn\\u00e9es et peuvent laisser une lacune important.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Pourquoi l'assurance incapacit\\u00e9 de gain est fortement recommand\\u00e9e pour les ind\\u00e9pendants ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Les ind\\u00e9pendants ne sont pas affili\\u00e9s \\u00e0 une caisse de pension (sauf si affiliation volontaire). Il ne b\\u00e9n\\u00e9ficient donc pas des prestations de la LPP et LAA en cas d&rsquo;incapacit\\u00e9 de gain \\u00e0 la suite d&rsquo;une maladie ou d&rsquo;un accident. Un ind\\u00e9pendant recevrait donc uniquement des prestations de l&rsquo;AI, qui sont tr\\u00e8s <strong>faibles<\\\/strong> (rente AVS maximum en 2025: <strong>2&rsquo;520 CHF<\\\/strong> par mois).<\\\/p><p>Une assurance incapacit\\u00e9 de gain permet donc de se premunir contre un important manque \\u00e0 gagner.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Les primes sont-elles fiscalement d\\u00e9ductibles ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, jusqu&rsquo;au <strong>montant maximal<\\\/strong> si vous souscrivez dans le cadre du <strong><a href=\\\"http:\\\/\\\/invexa.ch\\\/prevoyance\\\/pilier-3a-tout-savoir-sur-la-prevoyance-liee\\\/\\\">pilier 3a<\\\/a><\\\/strong>. Dans le cadre du <strong><a href=\\\"http:\\\/\\\/invexa.ch\\\/prevoyance\\\/pilier-3b-tout-savoir-sur-la-prevoyance-libre\\\/\\\">pilier 3b<\\\/a><\\\/strong>, elles ne sont pas d\\u00e9ductibles (sauf Gen\\u00e8ve et Fribourg jusqu&rsquo;\\u00e0 un certain montant). Nos conseillers vous orientent vers la meilleure option fiscale selon votre situation.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Puis-je cumuler une rente AI, une rente LPP\\\/LAA et une rente IG ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Oui, l\\u2019assurance IG compl\\u00e8te les rentes AI et LPP. Le but est de vous garantir un revenu total \\u00e9quivalent \\u00e0 environ <strong>90 %<\\\/strong> (ou plus) de votre salaire ant\\u00e9rieur, en coordination avec les autres prestations.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Comment pouvez-vous m'aider ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>Invexa est un cabinet de conseil patrimonial <strong>100 % ind\\u00e9pendant<\\\/strong>. Nous identifions les meilleures offres du march\\u00e9 et vous accompagnons dans le choix d\\u2019un contrat adapt\\u00e9 \\u00e0 votre profil, vos besoins et votre budget.<\\\/p>\"}},{\"@type\":\"Question\",\"name\":\"Comment comparer les assurances perte de gain ?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"<p>\\n    Toutes les <strong>assurances perte de gain<\\\/strong> ne se valent pas. \\n    Les offres diff\\u00e8rent selon le <strong>taux d\\u2019indemnisation<\\\/strong>, \\n    la <strong>dur\\u00e9e de couverture<\\\/strong>, le <strong>d\\u00e9lai de carence<\\\/strong> \\n    et, bien s\\u00fbr, le <strong>prix<\\\/strong>.  \\n    Pour choisir la meilleure solution, il faut aller au-del\\u00e0 de la prime mensuelle \\n    et comprendre les <strong>conditions r\\u00e9elles d\\u2019indemnisation<\\\/strong>.\\n  <\\\/p>\\n\\n  <div style=\\\"margin-top: 1.5em;\\\">\\n    <p><strong>1. Le taux et la dur\\u00e9e d\\u2019indemnisation<\\\/strong><\\\/p>\\n    <p>\\n      Certaines assurances perte de gain couvrent <strong>80&nbsp;% du salaire<\\\/strong>, \\n      d\\u2019autres <strong>90&nbsp;% ou 100&nbsp;%<\\\/strong>.  \\n      La dur\\u00e9e d\\u2019indemnisation peut aller de quelques mois \\u00e0 deux ans, \\n      voire jusqu\\u2019\\u00e0 la reconnaissance d\\u2019une invalidit\\u00e9.  \\n      Plus la couverture est longue, plus la prime est \\u00e9lev\\u00e9e \\u2014 \\n      mais aussi plus votre revenu est s\\u00e9curis\\u00e9.\\n    <\\\/p>\\n  <\\\/div>\\n\\n  <div style=\\\"margin-top: 1.5em;\\\">\\n    <p><strong>2. Le d\\u00e9lai de carence<\\\/strong><\\\/p>\\n    <p>\\n      Le <strong>d\\u00e9lai de carence<\\\/strong> correspond au nombre de jours entre le d\\u00e9but \\n      de l\\u2019incapacit\\u00e9 et le versement des prestations.  \\n      Un d\\u00e9lai court (par ex. <strong>14 jours<\\\/strong>) co\\u00fbte plus cher mais prot\\u00e8ge plus vite.  \\n      Un d\\u00e9lai plus long (30, 60 ou 90 jours) r\\u00e9duit la prime, \\n      mais laisse un vide temporaire \\u00e0 combler.\\n    <\\\/p>\\n  <\\\/div>\\n\\n  <div style=\\\"margin-top: 1.5em;\\\">\\n    <p><strong>3. Les exclusions et conditions<\\\/strong><\\\/p>\\n    <p>\\n      Chaque contrat contient des <strong>clauses d\\u2019exclusion<\\\/strong> : \\n      maladies pr\\u00e9existantes, affections psychiques, rechutes, etc.  \\n      Il est essentiel de les examiner attentivement.  \\n      Une assurance perte de gain trop bon march\\u00e9 peut cacher \\n      des conditions restrictives qui limitent vos droits en cas de sinistre.\\n    <\\\/p>\\n  <\\\/div>\\n\\n  <div style=\\\"margin-top: 1.5em;\\\">\\n    <p><strong>4. La stabilit\\u00e9 et la r\\u00e9putation de l\\u2019assureur<\\\/strong><\\\/p>\\n    <p>\\n      La <strong>solidit\\u00e9 financi\\u00e8re<\\\/strong> de l\\u2019assureur et la qualit\\u00e9 de son \\n      <strong>service client<\\\/strong> sont d\\u00e9terminantes.  \\n      En cas d\\u2019incapacit\\u00e9, vous avez besoin d\\u2019un partenaire r\\u00e9actif et fiable.  \\n      Mieux vaut une assurance perte de gain l\\u00e9g\\u00e8rement plus ch\\u00e8re mais efficace \\n      au moment critique, qu\\u2019une offre \\u201clow cost\\u201d qui tarde \\u00e0 verser les prestations.\\n    <\\\/p>\\n  <\\\/div>\\n\\n  <div style=\\\"margin-top: 1.5em;\\\">\\n    <p><strong>5. L\\u2019adaptation \\u00e0 votre statut<\\\/strong><\\\/p>\\n    <p>\\n      Un <strong>ind\\u00e9pendant<\\\/strong> n\\u2019a pas les m\\u00eames besoins qu\\u2019un <strong>salari\\u00e9<\\\/strong>.  \\n      Les montants, les d\\u00e9lais et les couvertures doivent \\u00eatre personnalis\\u00e9s \\n      selon votre activit\\u00e9, vos revenus et vos autres assurances.  \\n      Une analyse professionnelle vous aide \\u00e0 choisir une \\n      <strong>assurance perte de gain r\\u00e9ellement adapt\\u00e9e<\\\/strong> \\u00e0 votre situation.\\n    <\\\/p>\\n  <\\\/div>\"}}]}<\/script>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e6bf6e4 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"e6bf6e4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-141e0db\" data-id=\"141e0db\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-52f0ef7 elementor-widget elementor-widget-heading\" data-id=\"52f0ef7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Pourquoi choisir Invexa ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b87013 elementor-widget elementor-widget-text-editor\" data-id=\"0b87013\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Invexa vous accompagne avec rigueur, \u00e9thique et objectivit\u00e9 pour optimiser votre retraite et vos finances personnelles, sans conflit d\u2019int\u00e9r\u00eats.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-73f0263 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"73f0263\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-wider\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-b2c9122\" data-id=\"b2c9122\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0ba928e elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"0ba928e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 15641.408966 11121.004649 C 15641.408966 11218.088393 15641.408966 11326.5996 15641.408966 11326.5996 C 15641.408966 11343.094893 15654.79897 11356.50974 15671.294264 11356.50974 L 16095.402165 11356.50974 C 16111.996827 11356.50974 16125.312305 11343.094893 16125.312305 11326.5996 C 16125.312305 11326.5996 16125.312305 11213.492566 16125.312305 11114.992811 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 282.597656 192.957031 L 94.269531 192.957031 L 94.269531 60.886719 L 282.597656 60.886719 L 282.597656 192.957031 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path fill=\"#ffffff\" d=\"M 210.519531 137.9375 L 168.332031 137.9375 L 168.332031 110.183594 L 210.519531 110.183594 L 210.519531 137.9375 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 16023.80663 10708.994953 L 15755.509692 10708.994953 L 15755.509692 10885.499559 L 16023.80663 10885.499559 Z M 16023.80663 10708.994953 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -2309.093052, 1821.8394)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 15401.904264 9460.817973 C 15401.904264 9460.817973 15463.488348 9781.06018 15845.389166 9762.527818 C 16227.190615 9744.069982 16452.709097 9808.908409 16738.296283 10073.603212 C 16904.5907 10227.600687 16758.095603 10377.300441 16568.200992 10236.295495 C 16307.207692 10042.69938 16060.896198 10045.705299 15851.500374 10058.200981 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" 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assurance. Nous nous pla\u00e7ons de votre c\u00f4t\u00e9 afin de d\u00e9fendre au mieux vos int\u00e9r\u00eats.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-6d9d9a2\" data-id=\"6d9d9a2\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d044259 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"d044259\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div 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stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3139.770485, 1826.321592)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20755.90439 10079.10432 L 20678.893232 10168.61116 L 20601.906916 10079.10432 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.157242, 0, 0, -0.157242, -3139.770485, 1826.321592)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 20368.190471 9842.431641 L 20742.092066 9842.431641 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tApproche orient\u00e9e r\u00e9sultats\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNous vous aidons \u00e0 prendre des d\u00e9cisions concr\u00e8tes, r\u00e9alistes et coh\u00e9rentes avec votre cadre fiscal, professionnel et familial.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 elementor-inner-column elementor-element elementor-element-71f939c\" data-id=\"71f939c\" data-element_type=\"column\" data-e-type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b1bc1c9 elementor-widget__width-initial elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"b1bc1c9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" width=\"500\" viewBox=\"0 0 375 374.999991\" height=\"500\" preserveAspectRatio=\"xMidYMid meet\"><path fill=\"#ffffff\" d=\"M 236.121094 46.660156 L 144.035156 46.660156 C 144.035156 46.660156 118.886719 90.566406 58.34375 100.375 L 58.34375 235.945312 C 58.34375 235.945312 165.777344 340.8125 190.082031 340.8125 C 214.375 340.8125 321.8125 235.945312 321.8125 235.945312 L 321.8125 100.375 C 254.453125 87.160156 236.121094 46.660156 236.121094 46.660156 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" 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fill-rule=\"nonzero\"><\/path><path stroke-linecap=\"round\" transform=\"matrix(0.15619, 0, 0, -0.15619, -219.97854, 2232.691965)\" fill=\"none\" stroke-linejoin=\"round\" d=\"M 2357.371579 12995.78931 L 2551.471418 12835.302432 L 2950.47526 13360.604971 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tConseil expert\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNos conseillers sont sp\u00e9cialistes dans leur domaine et porteurs de qualifications reconnues en Suisse.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-25 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-0.157242, -2709.989122, 571.14829)\" fill-opacity=\"1\" fill=\"#ffffff\" fill-rule=\"nonzero\" stroke-linejoin=\"round\" d=\"M 19004.297293 3055.404348 C 18919.113015 3042.908667 18811.69487 3039.60464 18714.909234 3057.78921 C 18502.209383 3097.909539 18476.100116 2887.097704 18675.310593 2852.09489 C 18848.213064 2821.687904 19069.806462 2752.700812 19256.993261 2965.996878 C 19289.710582 3003.310026 19403.811308 3119.696244 19403.811308 3119.696244 \" stroke=\"#1f2454\" stroke-width=\"69.999001\" stroke-opacity=\"1\" stroke-miterlimit=\"10\"><\/path><path fill=\"#b5e0f8\" d=\"M 256.425781 193.957031 C 262.496094 187.730469 266.207031 179.253906 266.207031 169.882812 C 266.207031 150.792969 250.734375 135.304688 231.644531 135.304688 C 220.917969 135.304688 211.34375 140.210938 205.023438 147.867188 C 198.667969 140.210938 189.09375 135.304688 178.371094 135.304688 C 159.28125 135.304688 143.824219 150.792969 143.824219 169.882812 C 143.824219 179.253906 147.769531 188.136719 153.636719 193.988281 C 154.894531 195.246094 158.085938 198.109375 159.5 199.175781 L 206.011719 240.1875 L 252.132812 197.886719 C 253.15625 197.070312 256.441406 193.957031 256.441406 193.957031 L 256.425781 193.957031 \" fill-opacity=\"1\" fill-rule=\"nonzero\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tAccompagnement\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tNotre \u00e9quipe est \u00e0 votre disposition pour vous conseiller et vous accompagner en tout temps, pour les situations simples ou complexes. \t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-e3d0a4f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"e3d0a4f\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0640d60\" data-id=\"0640d60\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9f09419 elementor-widget elementor-widget-heading\" data-id=\"9f09419\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Comment fonctionne une assurance incapacit\u00e9 de gain ?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-965fd5d elementor-widget elementor-widget-text-editor\" data-id=\"965fd5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019assurance incapacit\u00e9 de gain (IG) vous prot\u00e8ge si une maladie ou un accident vous rend incapable de travailler durablement. Elle compl\u00e8te les prestations de l\u2019AI et du 2e pilier, souvent insuffisantes pour maintenir votre niveau de vie. Voici ce qu\u2019il faut comprendre sur son fonctionnement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0990c6c elementor-widget elementor-widget-heading\" data-id=\"0990c6c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quand les prestations sont-elles vers\u00e9es ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99ba585 elementor-widget elementor-widget-text-editor\" data-id=\"99ba585\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La rente n\u2019est pas vers\u00e9e d\u00e8s le premier jour d\u2019arr\u00eat, mais apr\u00e8s un <strong>d\u00e9lai d\u2019attente<\/strong> \u00e0 choisir lors de la souscription. Les d\u00e9lais vont de <strong>90 \u00e0 720 jours<\/strong>. Plus le d\u00e9lai est long, plus la prime est basse \u2014 mais plus vous devez assurer vous-m\u00eame vos revenus pendant cette p\u00e9riode. Un ind\u00e9pendant sans indemnit\u00e9s journali\u00e8res aura tout int\u00e9r\u00eat \u00e0 choisir un d\u00e9lai court, tandis qu\u2019un salari\u00e9 d\u00e9j\u00e0 couvert par un contrat collectif pourra opter pour une franchise plus longue.<\/p><p>Par exemple, vous choisissez un d\u00e9lai de 365 jours. Si une maladie vous emp\u00eache de travailler, vous ne toucherez la rente qu\u2019apr\u00e8s une ann\u00e9e compl\u00e8te d\u2019incapacit\u00e9 reconnue, en sachant qu&rsquo;un d\u00e9lai d&rsquo;attente existe \u00e9galement pour les rentes AI et LPP.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f05ea52 elementor-widget elementor-widget-heading\" data-id=\"f05ea52\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Quel est le montant de la rente vers\u00e9e ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a885b6 elementor-widget elementor-widget-text-editor\" data-id=\"0a885b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Une fois le d\u00e9lai d\u2019attente \u00e9coul\u00e9, le <strong>taux d\u2019incapacit\u00e9 de gain<\/strong> est \u00e9valu\u00e9. Ce taux d\u00e9termine le montant de la rente vers\u00e9e. En g\u00e9n\u00e9ral, aucune prestation n\u2019est vers\u00e9e si l\u2019incapacit\u00e9 est <strong>inf\u00e9rieure<\/strong> \u00e0 <strong>40 %<\/strong>. Entre <strong>40 % et 69 %<\/strong>, vous recevez une rente partielle, proportionnelle \u00e0 votre perte de capacit\u00e9 de travail. \u00c0 partir de <strong>70 %<\/strong>, la rente est vers\u00e9e dans son int\u00e9gralit\u00e9, sur la base du montant d\u00e9fini dans le contrat.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2eb3e61 elementor-widget elementor-widget-heading\" data-id=\"2eb3e61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Pilier 3a ou 3b: quelle fiscalit\u00e9 ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d50b996 elementor-widget elementor-widget-text-editor\" data-id=\"d50b996\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u2019assurance incapacit\u00e9 de gain peut \u00eatre int\u00e9gr\u00e9e dans un contrat de <a href=\"https:\/\/invexa.ch\/services\/pilier-3a\/\">pr\u00e9voyance li\u00e9 3a<\/a> ou <a href=\"https:\/\/invexa.ch\/services\/pilier-3b\/\">libre 3b<\/a>. Dans le cadre du <strong>3a<\/strong>, les primes sont fiscalement <strong>d\u00e9ductibles<\/strong>, mais le contrat est encadr\u00e9 par des r\u00e8gles strictes, et vous ne pouvez pas verser un montant sup\u00e9rieur au <a href=\"https:\/\/invexa.ch\/prevoyance\/montant-maximum-3eme-pilier-a\/\">montant autoris\u00e9<\/a> (7&rsquo;258 CHF pour 2025). Dans le <strong>3b<\/strong>, il n\u2019y a pas de plafond fiscal, ni de contrainte li\u00e9e \u00e0 la retraite, mais les primes ne sont <a href=\"https:\/\/invexa.ch\/prevoyance\/3eme-pilier-et-deduction-dimpot\/\"><strong>pas d\u00e9ductibles<\/strong><\/a> (sauf dans certains cantons).<\/p><p>Le choix d\u00e9pend de votre marge de d\u00e9duction disponible, de votre statut professionnel et de votre strat\u00e9gie patrimoniale. Un ind\u00e9pendant optimisera souvent son 3a pour <strong>all\u00e9ger sa charge fiscale<\/strong> annuelle, \u00e9tant donn\u00e9 que le montant d\u00e9ductible est sup\u00e9rieur (<strong><span class=\"BxUVEf ILfuVd\" lang=\"fr\"><span class=\"hgKElc\">36 288<\/span><\/span> CHF<\/strong> pour 2025), tandis qu\u2019un haut revenu pr\u00e9f\u00e9rera parfois la <strong>flexibilit\u00e9<\/strong> du 3b.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ae6a50a elementor-widget elementor-widget-heading\" data-id=\"ae6a50a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Peut-on adapter le contrat apr\u00e8s souscription ?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8acd785 elementor-widget elementor-widget-text-editor\" data-id=\"8acd785\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Certains contrats pr\u00e9voient une souplesse d\u2019adaptation en cas de <strong>changement<\/strong> de situation personnelle: mariage, naissance, achat immobilier ou \u00e9volution professionnelle. Il est alors possible d\u2019<strong>augmenter<\/strong> la <strong>rente assur\u00e9e<\/strong> jusqu\u2019\u00e0 un certain seuil \u2013 souvent <strong>25 %<\/strong> ou CHF 18\u2019000.\u2013 sans devoir repasser par une acceptation m\u00e9dicale compl\u00e8te. Par ailleurs, certains assureurs permettent une r\u00e9vision tous les cinq ans, ce qui est utile en cas de progression de revenu ou de modification de votre mode de vie.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2feb8c3 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"2feb8c3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/invexa.ch\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Demander un conseil<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6636b94 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"6636b94\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6370517\" data-id=\"6370517\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-35318d1 elementor-widget elementor-widget-menu-anchor\" data-id=\"35318d1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"menu-anchor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-menu-anchor\" id=\"conseil\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-d1e6bcf elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"d1e6bcf\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3446389\" data-id=\"3446389\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-d95a15e elementor-widget elementor-widget-heading\" data-id=\"d95a15e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Faites-vous conseiller<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1446b88 elementor-widget elementor-widget-text-editor\" data-id=\"1446b88\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Prenez rendez-vous gratuitement avec un de nos expert en pr\u00e9voyance pour un conseil personnalis\u00e9.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e6e003 elementor-mobile-align-justify elementor-widget elementor-widget-button\" data-id=\"4e6e003\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/meetings-eu1.hubspot.com\/claire-fivaz\/appel-decouverte\" target=\"_blank\" rel=\"noopener\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Prendre rendez-vous<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-7a5d966\" data-id=\"7a5d966\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-4be2430 elementor-hidden-mobile elementor-widget elementor-widget-image\" data-id=\"4be2430\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;motion_fx_motion_fx_scrolling&quot;:&quot;yes&quot;,&quot;motion_fx_devices&quot;:[&quot;desktop&quot;]}\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1600\" height=\"1067\" src=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller.jpg\" class=\"attachment-full size-full wp-image-493\" alt=\"Se faire conseiller\" srcset=\"https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller.jpg 1600w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-300x200.jpg 300w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-1024x683.jpg 1024w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-768x512.jpg 768w, https:\/\/invexa.ch\/wp-content\/uploads\/2025\/01\/se-faire-conseiller-1536x1024.jpg 1536w\" sizes=\"(max-width: 1600px) 100vw, 1600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Protect your income in the event of incapacity for work due to illness or accident. This private insurance allows you to maintain a stable standard of living when you can no longer work.<\/p>","protected":false},"author":1,"featured_media":0,"parent":3081,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"content-type":"","footnotes":""},"class_list":["post-1644","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/1644","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/comments?post=1644"}],"version-history":[{"count":30,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/1644\/revisions"}],"predecessor-version":[{"id":7809,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/1644\/revisions\/7809"}],"up":[{"embeddable":true,"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/pages\/3081"}],"wp:attachment":[{"href":"https:\/\/invexa.ch\/en\/wp-json\/wp\/v2\/media?parent=1644"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}