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Certains contrats exigent une ",{"data":659,"marks":660,"value":662,"nodeType":181},{},[661],{"type":235},"expertise médicale en France",{"data":664,"marks":665,"value":666,"nodeType":181},{},[]," pour déclencher ces garanties, ce qui complique considérablement la procédure depuis l'étranger.",{"data":668,"content":669,"nodeType":266},{},[670],{"data":671,"marks":672,"value":673,"nodeType":181},{},[],"Quel est le coût de l'assurance emprunteur pour un expatrié ?",{"data":675,"content":676,"nodeType":320},{},[677],{"data":678,"marks":679,"value":680,"nodeType":181},{},[],"Surprimes : de +50 % à +200 % selon le pays",{"data":682,"content":683,"nodeType":195},{},[684],{"data":685,"marks":686,"value":687,"nodeType":181},{},[],"Le pays de résidence est le facteur principal de tarification pour un expatrié. Les assureurs classent les pays en zones de risque :",{"data":689,"content":690,"nodeType":650},{},[691,734,778,822,866],{"data":692,"content":693,"nodeType":431},{},[694,704,714,724],{"data":695,"content":696,"nodeType":400},{},[697],{"data":698,"content":699,"nodeType":195},{},[700],{"data":701,"marks":702,"value":703,"nodeType":181},{},[],"Zone de risque",{"data":705,"content":706,"nodeType":400},{},[707],{"data":708,"content":709,"nodeType":195},{},[710],{"data":711,"marks":712,"value":713,"nodeType":181},{},[],"Pays (exemples)",{"data":715,"content":716,"nodeType":400},{},[717],{"data":718,"content":719,"nodeType":195},{},[720],{"data":721,"marks":722,"value":723,"nodeType":181},{},[],"Surprime moyenne",{"data":725,"content":726,"nodeType":400},{},[727],{"data":728,"content":729,"nodeType":195},{},[730],{"data":731,"marks":732,"value":733,"nodeType":181},{},[],"Taux assurance indicatif",{"data":735,"content":736,"nodeType":431},{},[737,748,758,768],{"data":738,"content":739,"nodeType":400},{},[740],{"data":741,"content":742,"nodeType":195},{},[743],{"data":744,"marks":745,"value":747,"nodeType":181},{},[746],{"type":235},"Zone 1 - risque faible",{"data":749,"content":750,"nodeType":400},{},[751],{"data":752,"content":753,"nodeType":195},{},[754],{"data":755,"marks":756,"value":757,"nodeType":181},{},[],"Europe occidentale, Suisse, Canada, Japon, Australie",{"data":759,"content":760,"nodeType":400},{},[761],{"data":762,"content":763,"nodeType":195},{},[764],{"data":765,"marks":766,"value":767,"nodeType":181},{},[],"+0 à +50 %",{"data":769,"content":770,"nodeType":400},{},[771],{"data":772,"content":773,"nodeType":195},{},[774],{"data":775,"marks":776,"value":777,"nodeType":181},{},[],"0,20 à 0,45 %",{"data":779,"content":780,"nodeType":431},{},[781,792,802,812],{"data":782,"content":783,"nodeType":400},{},[784],{"data":785,"content":786,"nodeType":195},{},[787],{"data":788,"marks":789,"value":791,"nodeType":181},{},[790],{"type":235},"Zone 2 - risque modéré",{"data":793,"content":794,"nodeType":400},{},[795],{"data":796,"content":797,"nodeType":195},{},[798],{"data":799,"marks":800,"value":801,"nodeType":181},{},[],"États-Unis, Émirats, Singapour, Hong Kong",{"data":803,"content":804,"nodeType":400},{},[805],{"data":806,"content":807,"nodeType":195},{},[808],{"data":809,"marks":810,"value":811,"nodeType":181},{},[],"+50 à +100 %",{"data":813,"content":814,"nodeType":400},{},[815],{"data":816,"content":817,"nodeType":195},{},[818],{"data":819,"marks":820,"value":821,"nodeType":181},{},[],"0,35 à 0,60 %",{"data":823,"content":824,"nodeType":431},{},[825,836,846,856],{"data":826,"content":827,"nodeType":400},{},[828],{"data":829,"content":830,"nodeType":195},{},[831],{"data":832,"marks":833,"value":835,"nodeType":181},{},[834],{"type":235},"Zone 3 - risque élevé",{"data":837,"content":838,"nodeType":400},{},[839],{"data":840,"content":841,"nodeType":195},{},[842],{"data":843,"marks":844,"value":845,"nodeType":181},{},[],"Afrique subsaharienne, Moyen-Orient (hors EAU), Amérique latine",{"data":847,"content":848,"nodeType":400},{},[849],{"data":850,"content":851,"nodeType":195},{},[852],{"data":853,"marks":854,"value":855,"nodeType":181},{},[],"+100 à +200 %",{"data":857,"content":858,"nodeType":400},{},[859],{"data":860,"content":861,"nodeType":195},{},[862],{"data":863,"marks":864,"value":865,"nodeType":181},{},[],"0,50 à 0,90 %",{"data":867,"content":868,"nodeType":431},{},[869,880,890,900],{"data":870,"content":871,"nodeType":400},{},[872],{"data":873,"content":874,"nodeType":195},{},[875],{"data":876,"marks":877,"value":879,"nodeType":181},{},[878],{"type":235},"Zone 4 - exclusion",{"data":881,"content":882,"nodeType":400},{},[883],{"data":884,"content":885,"nodeType":195},{},[886],{"data":887,"marks":888,"value":889,"nodeType":181},{},[],"Pays en conflit, zones sous sanctions (Syrie, Corée du Nord, etc.)",{"data":891,"content":892,"nodeType":400},{},[893],{"data":894,"content":895,"nodeType":195},{},[896],{"data":897,"marks":898,"value":899,"nodeType":181},{},[],"Refus de couverture",{"data":901,"content":902,"nodeType":400},{},[903],{"data":904,"content":905,"nodeType":195},{},[906],{"data":907,"marks":908,"value":909,"nodeType":181},{},[],"-",{"data":911,"content":912,"nodeType":195},{},[913,917,922],{"data":914,"marks":915,"value":916,"nodeType":181},{},[],"Pour un prêt de 200 000 € sur 20 ans, la différence de coût entre un résident français (taux 0,15 %) et un expatrié en zone 3 (taux 0,70 %) représente ",{"data":918,"marks":919,"value":921,"nodeType":181},{},[920],{"type":235},"environ 22 000 € sur la durée du prêt",{"data":923,"marks":924,"value":925,"nodeType":181},{},[],". L'enjeu de l'optimisation est considérable.",{"data":927,"content":928,"nodeType":320},{},[929],{"data":930,"marks":931,"value":932,"nodeType":181},{},[],"Autres facteurs de tarification",{"data":934,"content":935,"nodeType":195},{},[936],{"data":937,"marks":938,"value":939,"nodeType":181},{},[],"Au-delà du pays, plusieurs éléments influencent le coût de l'assurance emprunteur pour un expatrié :",{"data":941,"content":942,"nodeType":362},{},[943,958,973,988,1003],{"data":944,"content":945,"nodeType":346},{},[946],{"data":947,"content":948,"nodeType":195},{},[949,954],{"data":950,"marks":951,"value":953,"nodeType":181},{},[952],{"type":235},"Âge ",{"data":955,"marks":956,"value":957,"nodeType":181},{},[],": le taux augmente de 0,05 à 0,10 point par tranche de 10 ans après 30 ans",{"data":959,"content":960,"nodeType":346},{},[961],{"data":962,"content":963,"nodeType":195},{},[964,969],{"data":965,"marks":966,"value":968,"nodeType":181},{},[967],{"type":235},"État de santé ",{"data":970,"marks":971,"value":972,"nodeType":181},{},[],": le questionnaire médical reste obligatoire au-delà de 200 000 € de capital emprunté (seuil loi Lemoine)",{"data":974,"content":975,"nodeType":346},{},[976],{"data":977,"content":978,"nodeType":195},{},[979,984],{"data":980,"marks":981,"value":983,"nodeType":181},{},[982],{"type":235},"Profession ",{"data":985,"marks":986,"value":987,"nodeType":181},{},[],": les métiers à risque (humanitaire, journaliste en zone de conflit, militaire déployé) génèrent des surprimes supplémentaires",{"data":989,"content":990,"nodeType":346},{},[991],{"data":992,"content":993,"nodeType":195},{},[994,999],{"data":995,"marks":996,"value":998,"nodeType":181},{},[997],{"type":235},"Durée d'expatriation prévue ",{"data":1000,"marks":1001,"value":1002,"nodeType":181},{},[],": une expatriation courte (1-3 ans) est mieux tarifée qu'une installation définitive",{"data":1004,"content":1005,"nodeType":346},{},[1006],{"data":1007,"content":1008,"nodeType":195},{},[1009,1014],{"data":1010,"marks":1011,"value":1013,"nodeType":181},{},[1012],{"type":235},"Sports pratiqués ",{"data":1015,"marks":1016,"value":1017,"nodeType":181},{},[],": la plongée, l'alpinisme ou les sports mécaniques dans certains pays entraînent des exclusions ou des surprimes",{"data":1019,"content":1020,"nodeType":266},{},[1021],{"data":1022,"marks":1023,"value":1024,"nodeType":181},{},[],"Contrat groupe bancaire vs délégation d'assurance : que choisir ?",{"data":1026,"content":1027,"nodeType":320},{},[1028],{"data":1029,"marks":1030,"value":1031,"nodeType":181},{},[],"Le contrat groupe : simple mais rarement compétitif",{"data":1033,"content":1034,"nodeType":195},{},[1035,1039,1044],{"data":1036,"marks":1037,"value":1038,"nodeType":181},{},[],"Le contrat groupe est l'assurance proposée directement par la banque prêteuse. Il mutualise le risque entre tous les emprunteurs et applique un ",{"data":1040,"marks":1041,"value":1043,"nodeType":181},{},[1042],{"type":235},"tarif moyen identique pour un même profil d'âge",{"data":1045,"marks":1046,"value":1047,"nodeType":181},{},[],". Pour un expatrié, le contrat groupe présente deux inconvénients majeurs :",{"data":1049,"content":1050,"nodeType":362},{},[1051,1066],{"data":1052,"content":1053,"nodeType":346},{},[1054],{"data":1055,"content":1056,"nodeType":195},{},[1057,1062],{"data":1058,"marks":1059,"value":1061,"nodeType":181},{},[1060],{"type":235},"Tarification peu adaptée ",{"data":1063,"marks":1064,"value":1065,"nodeType":181},{},[],": le contrat groupe ne différencie pas finement les pays de résidence. Un expatrié en Suisse et un expatrié au Brésil se voient souvent appliquer la même surprime \"expatrié\".",{"data":1067,"content":1068,"nodeType":346},{},[1069],{"data":1070,"content":1071,"nodeType":195},{},[1072,1077],{"data":1073,"marks":1074,"value":1076,"nodeType":181},{},[1075],{"type":235},"Exclusions larges ",{"data":1078,"marks":1079,"value":1080,"nodeType":181},{},[],": les contrats groupe excluent fréquemment la couverture ITT\u002FIPT pour les expatriés, même quand la banque exige ces garanties.",{"data":1082,"content":1083,"nodeType":320},{},[1084],{"data":1085,"marks":1086,"value":1087,"nodeType":181},{},[],"La délégation d'assurance : le choix recommandé pour les expatriés",{"data":1089,"content":1090,"nodeType":195},{},[1091,1095,1100],{"data":1092,"marks":1093,"value":1094,"nodeType":181},{},[],"La délégation d'assurance consiste à souscrire un contrat auprès d'un assureur externe, spécialisé dans les profils internationaux. Depuis la loi Lagarde (2010), ",{"data":1096,"marks":1097,"value":1099,"nodeType":181},{},[1098],{"type":235},"la banque ne peut pas refuser une délégation si le contrat offre des garanties équivalentes",{"data":1101,"marks":1102,"value":1103,"nodeType":181},{},[]," à son contrat groupe.",{"data":1105,"content":1106,"nodeType":195},{},[1107],{"data":1108,"marks":1109,"value":1110,"nodeType":181},{},[],"Les avantages de la délégation pour un expatrié :",{"data":1112,"content":1113,"nodeType":362},{},[1114,1129,1144,1159],{"data":1115,"content":1116,"nodeType":346},{},[1117],{"data":1118,"content":1119,"nodeType":195},{},[1120,1125],{"data":1121,"marks":1122,"value":1124,"nodeType":181},{},[1123],{"type":235},"Tarification plus fine ",{"data":1126,"marks":1127,"value":1128,"nodeType":181},{},[],": les assureurs spécialisés distinguent les zones géographiques avec précision. Un expatrié en zone 1 paie moins qu'en zone 3.",{"data":1130,"content":1131,"nodeType":346},{},[1132],{"data":1133,"content":1134,"nodeType":195},{},[1135,1140],{"data":1136,"marks":1137,"value":1139,"nodeType":181},{},[1138],{"type":235},"Couverture internationale ",{"data":1141,"marks":1142,"value":1143,"nodeType":181},{},[],": réseau médical mondial, expertise médicale à distance, prise en charge des soins dans le pays de résidence.",{"data":1145,"content":1146,"nodeType":346},{},[1147],{"data":1148,"content":1149,"nodeType":195},{},[1150,1155],{"data":1151,"marks":1152,"value":1154,"nodeType":181},{},[1153],{"type":235},"Économie moyenne de 30 à 50 % ",{"data":1156,"marks":1157,"value":1158,"nodeType":181},{},[],"par rapport au contrat groupe pour un profil expatrié.",{"data":1160,"content":1161,"nodeType":346},{},[1162],{"data":1163,"content":1164,"nodeType":195},{},[1165,1170],{"data":1166,"marks":1167,"value":1169,"nodeType":181},{},[1168],{"type":235},"Questionnaire médical adapté ",{"data":1171,"marks":1172,"value":1173,"nodeType":181},{},[],": certains assureurs spécialisés proposent des questionnaires en ligne avec visioconférence médicale, évitant un déplacement en France.",{"data":1175,"content":1176,"nodeType":195},{},[1177,1181,1186],{"data":1178,"marks":1179,"value":1180,"nodeType":181},{},[],"ConseilDemandez ",{"data":1182,"marks":1183,"value":1185,"nodeType":181},{},[1184],{"type":235},"au moins 3 devis",{"data":1187,"marks":1188,"value":1189,"nodeType":181},{},[]," avant de signer : contrat groupe de la banque, un courtier généraliste (Meilleurtaux, Réassurez-moi) et un assureur spécialisé expatriés (Alptis, Oradéa Vie, April International). L'écart entre le plus cher et le moins cher dépasse régulièrement 40 % pour les profils expatriés.",{"data":1191,"content":1192,"nodeType":266},{},[1193],{"data":1194,"marks":1195,"value":1196,"nodeType":181},{},[],"Loi Lemoine : changer d'assurance emprunteur à tout moment",{"data":1198,"content":1199,"nodeType":195},{},[1200,1204,1209],{"data":1201,"marks":1202,"value":1203,"nodeType":181},{},[],"Depuis le 1er juin 2022, la loi Lemoine permet à tout emprunteur de ",{"data":1205,"marks":1206,"value":1208,"nodeType":181},{},[1207],{"type":235},"résilier et changer d'assurance emprunteur à tout moment",{"data":1210,"marks":1211,"value":1212,"nodeType":181},{},[],", sans attendre la date anniversaire du contrat. Cette loi s'applique aux expatriés comme aux résidents, pour tous les contrats en cours et à venir.",{"data":1214,"content":1215,"nodeType":320},{},[1216],{"data":1217,"marks":1218,"value":1219,"nodeType":181},{},[],"Les conditions pour changer",{"data":1221,"content":1222,"nodeType":362},{},[1223,1238,1253],{"data":1224,"content":1225,"nodeType":346},{},[1226],{"data":1227,"content":1228,"nodeType":195},{},[1229,1234],{"data":1230,"marks":1231,"value":1233,"nodeType":181},{},[1232],{"type":235},"Équivalence de garanties ",{"data":1235,"marks":1236,"value":1237,"nodeType":181},{},[],": le nouveau contrat doit offrir des garanties au moins équivalentes à celles exigées par la banque (liste de 11 critères standardisés).",{"data":1239,"content":1240,"nodeType":346},{},[1241],{"data":1242,"content":1243,"nodeType":195},{},[1244,1249],{"data":1245,"marks":1246,"value":1248,"nodeType":181},{},[1247],{"type":235},"Notification à la banque ",{"data":1250,"marks":1251,"value":1252,"nodeType":181},{},[],": envoi du nouveau contrat par lettre recommandée ou email avec accusé de réception.",{"data":1254,"content":1255,"nodeType":346},{},[1256],{"data":1257,"content":1258,"nodeType":195},{},[1259,1264],{"data":1260,"marks":1261,"value":1263,"nodeType":181},{},[1262],{"type":235},"Délai de réponse ",{"data":1265,"marks":1266,"value":1267,"nodeType":181},{},[],": la banque dispose de 10 jours ouvrés pour accepter ou refuser. Un refus doit être motivé par écrit en précisant les critères d'équivalence non respectés.",{"data":1269,"content":1270,"nodeType":320},{},[1271],{"data":1272,"marks":1273,"value":1274,"nodeType":181},{},[],"Questionnaire médical : les nouvelles règles",{"data":1276,"content":1277,"nodeType":195},{},[1278],{"data":1279,"marks":1280,"value":1281,"nodeType":181},{},[],"La loi Lemoine a supprimé le questionnaire médical pour les prêts dont le capital assuré est inférieur à 200 000 € et dont le terme intervient avant le 60e anniversaire de l'emprunteur. Pour les expatriés, cette mesure est particulièrement avantageuse : elle supprime les complications liées à la traduction de dossiers médicaux étrangers et aux expertises à distance.",{"data":1283,"content":1284,"nodeType":195},{},[1285],{"data":1286,"marks":1287,"value":1288,"nodeType":181},{},[],"Au-delà de 200 000 €, le questionnaire médical reste exigé. La convention AERAS (s'Assurer et Emprunter avec un Risque Aggravé de Santé) peut faciliter l'accès à l'assurance pour les expatriés ayant des antécédents médicaux, avec un mécanisme de mutualisation des risques et un plafonnement des surprimes.",{"data":1290,"content":1291,"nodeType":266},{},[1292],{"data":1293,"marks":1294,"value":1295,"nodeType":181},{},[],"Les démarches concrètes pour souscrire depuis l'étranger",{"data":1297,"content":1298,"nodeType":320},{},[1299],{"data":1300,"marks":1301,"value":1302,"nodeType":181},{},[],"Documents à fournir",{"data":1304,"content":1305,"nodeType":195},{},[1306],{"data":1307,"marks":1308,"value":1309,"nodeType":181},{},[],"La souscription d'une assurance emprunteur depuis l'étranger nécessite un dossier plus complet qu'en France :",{"data":1311,"content":1312,"nodeType":362},{},[1313,1328,1343,1358,1373,1388,1403],{"data":1314,"content":1315,"nodeType":346},{},[1316],{"data":1317,"content":1318,"nodeType":195},{},[1319,1324],{"data":1320,"marks":1321,"value":1323,"nodeType":181},{},[1322],{"type":235},"Pièce d'identité ",{"data":1325,"marks":1326,"value":1327,"nodeType":181},{},[],"en cours de validité (passeport français ou carte d'identité)",{"data":1329,"content":1330,"nodeType":346},{},[1331],{"data":1332,"content":1333,"nodeType":195},{},[1334,1339],{"data":1335,"marks":1336,"value":1338,"nodeType":181},{},[1337],{"type":235},"Justificatif de résidence ",{"data":1340,"marks":1341,"value":1342,"nodeType":181},{},[],"à l'étranger de moins de 3 mois (certificat de résidence consulaire, facture de services publics)",{"data":1344,"content":1345,"nodeType":346},{},[1346],{"data":1347,"content":1348,"nodeType":195},{},[1349,1354],{"data":1350,"marks":1351,"value":1353,"nodeType":181},{},[1352],{"type":235},"Contrat de travail ou attestation d'emploi ",{"data":1355,"marks":1356,"value":1357,"nodeType":181},{},[],"traduite en français par un traducteur assermenté",{"data":1359,"content":1360,"nodeType":346},{},[1361],{"data":1362,"content":1363,"nodeType":195},{},[1364,1369],{"data":1365,"marks":1366,"value":1368,"nodeType":181},{},[1367],{"type":235},"3 derniers bulletins de salaire ",{"data":1370,"marks":1371,"value":1372,"nodeType":181},{},[],"traduits et légalisés",{"data":1374,"content":1375,"nodeType":346},{},[1376],{"data":1377,"content":1378,"nodeType":195},{},[1379,1384],{"data":1380,"marks":1381,"value":1383,"nodeType":181},{},[1382],{"type":235},"Avis d'imposition ",{"data":1385,"marks":1386,"value":1387,"nodeType":181},{},[],"du pays de résidence (avec traduction)",{"data":1389,"content":1390,"nodeType":346},{},[1391],{"data":1392,"content":1393,"nodeType":195},{},[1394,1399],{"data":1395,"marks":1396,"value":1398,"nodeType":181},{},[1397],{"type":235},"Questionnaire médical complété ",{"data":1400,"marks":1401,"value":1402,"nodeType":181},{},[],"(si capital > 200 000 €)",{"data":1404,"content":1405,"nodeType":346},{},[1406],{"data":1407,"content":1408,"nodeType":195},{},[1409,1414],{"data":1410,"marks":1411,"value":1413,"nodeType":181},{},[1412],{"type":235},"Offre de prêt ",{"data":1415,"marks":1416,"value":1417,"nodeType":181},{},[],"ou simulation bancaire détaillée",{"data":1419,"content":1420,"nodeType":320},{},[1421],{"data":1422,"marks":1423,"value":1424,"nodeType":181},{},[],"Le questionnaire médical à distance",{"data":1426,"content":1427,"nodeType":195},{},[1428,1432,1437,1441,1446],{"data":1429,"marks":1430,"value":1431,"nodeType":181},{},[],"Les assureurs spécialisés proposent désormais des ",{"data":1433,"marks":1434,"value":1436,"nodeType":181},{},[1435],{"type":235},"processus 100 % dématérialisés",{"data":1438,"marks":1439,"value":1440,"nodeType":181},{},[]," : questionnaire en ligne, visioconférence avec un médecin conseil, envoi électronique des examens complémentaires (prise de sang, ECG). Le délai moyen entre la demande et l'acceptation est de ",{"data":1442,"marks":1443,"value":1445,"nodeType":181},{},[1444],{"type":235},"2 à 4 semaines",{"data":1447,"marks":1448,"value":1449,"nodeType":181},{},[]," pour un dossier standard, contre 4 à 8 semaines pour un dossier avec examens complémentaires.",{"data":1451,"content":1452,"nodeType":195},{},[1453,1457,1462],{"data":1454,"marks":1455,"value":1456,"nodeType":181},{},[],"Certains pays disposent de ",{"data":1458,"marks":1459,"value":1461,"nodeType":181},{},[1460],{"type":235},"centres médicaux agréés",{"data":1463,"marks":1464,"value":1465,"nodeType":181},{},[]," par les assureurs français (notamment dans les grandes capitales économiques : Londres, New York, Singapour, Dubaï, Hong Kong). Passer par ces centres accélère le traitement du dossier car les examens sont directement transmis à l'assureur dans un format compatible.",{"data":1467,"content":1468,"nodeType":266},{},[1469],{"data":1470,"marks":1471,"value":1472,"nodeType":181},{},[],"Quotité d'assurance : comment la définir pour un couple expatrié ?",{"data":1474,"content":1475,"nodeType":195},{},[1476,1480,1485],{"data":1477,"marks":1478,"value":1479,"nodeType":181},{},[],"La quotité représente la ",{"data":1481,"marks":1482,"value":1484,"nodeType":181},{},[1483],{"type":235},"part du capital assuré par chaque co-emprunteur",{"data":1486,"marks":1487,"value":1488,"nodeType":181},{},[],". Pour un emprunteur seul, la quotité est de 100 %. 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