{"id":248,"date":"2023-11-01T09:02:05","date_gmt":"2023-11-01T08:02:05","guid":{"rendered":"https:\/\/www.axa.dz\/?page_id=248"},"modified":"2024-05-02T18:22:34","modified_gmt":"2024-05-02T16:22:34","slug":"assurance-emprunteur","status":"publish","type":"page","link":"https:\/\/www.axa.dz\/particuliers\/assurance-emprunteur\/","title":{"rendered":"Assurance emprunteur"},"content":{"rendered":"<div class=\"vce-row-container\"><div class=\"vce-row vce-row--col-gap-30 vce-row-no-paddings vce-row-equal-height vce-row-content--top\" data-vce-full-width=\"true\" data-vce-stretch-content=\"true\" id=\"el-7bee14f0\" data-vce-do-apply=\"all el-7bee14f0\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--xs-hide vce-col--xs-first vce-col--sm-hide vce-col--sm-first vce-col--md-auto vce-col--md-visible vce-col--md-last vce-col--md-first vce-col--lg-auto vce-col--lg-visible vce-col--lg-last vce-col--lg-first vce-col--xl-auto vce-col--xl-visible vce-col--xl-last vce-col--xl-first\" id=\"el-59b3f69d\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-59b3f69d\"><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-59b3f69d\"><div class=\"vce-row-container\"><div class=\"vce-row vce-element--has-background vce-row--col-gap-30 vce-row-no-paddings vce-row-equal-height vce-row-content--bottom\" data-vce-full-width=\"true\" data-vce-stretch-content=\"true\" id=\"el-e03bd0f4\" data-vce-do-apply=\"all el-e03bd0f4\"><div class=\"vce-content-background-container\"><div class=\"vce-asset-background-simple-container vce-visible-all-only vce-asset-background-simple--style-cover vce-asset-background-simple--position-center-center\"><div class=\"vce-asset-background-simple\">\n              <div style='background-image: url(\"https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_banner-scaled.jpg\");'  class=\"vce-asset-background-simple-item vcv-lozad\" ><\/div>\n              <noscript>\n                <div class=\"vce-asset-background-simple-item\" style=\"background-image: url(https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_banner-scaled.jpg)\"><\/div>\n              <\/noscript>\n            <\/div><\/div><div class=\"vce-asset-color-gradient-container vce-visible-all-only\" data-vce-do-apply=\"gradient el-e03bd0f4\"><\/div><\/div><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--xs-100p vce-col--xs-visible vce-col--xs-last vce-col--xs-first vce-col--sm-100p vce-col--sm-visible vce-col--sm-last vce-col--sm-first vce-col--md-auto vce-col--md-visible vce-col--md-first vce-col--lg-auto vce-col--lg-visible vce-col--lg-first vce-col--xl-auto vce-col--xl-visible vce-col--xl-first\" id=\"el-6315d2d6\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-6315d2d6\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-6315d2d6\"><div><\/div><\/div><\/div><\/div><div class=\"vce-col vce-col--xs-100p vce-col--xs-visible vce-col--xs-last vce-col--xs-first vce-col--sm-100p vce-col--sm-visible vce-col--sm-last vce-col--sm-first vce-col--md-auto vce-col--md-visible vce-col--md-last vce-col--lg-auto vce-col--lg-visible vce-col--lg-last vce-col--xl-auto vce-col--xl-visible vce-col--xl-last\" id=\"el-3c420d91\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-3c420d91\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-3c420d91\"><div class=\"vce-text-block\"><div class=\"vce-text-block-wrapper vce\" id=\"el-9a075d51\" data-vce-do-apply=\"all el-9a075d51\" data-vce-animate=\"vce-o-animate--fadeInDown\"><h1><strong><span style=\"font-size: 14pt; color: #d24825;\">ASSURANCE EMPRUNTEUR<\/span><\/strong><\/h1><\/div><\/div><div class=\"vce-text-block\"><div class=\"vce-text-block-wrapper vce\" id=\"el-d753717b\" data-vce-do-apply=\"all el-d753717b\" data-vce-animate=\"vce-o-animate--fadeInUp\" data-vce-animate-delay=\"vce-o-animate-delay--1\"><h2 style=\"line-height: 1;\"><span style=\"font-family: inherit; font-weight: 600; font-style: normal; color: #020191;\">L'assurance qui<\/span><\/h2>\n<h2 style=\"line-height: 1;\"><span style=\"font-family: inherit; font-weight: 600; font-style: normal; color: #020191;\">soutient vos<\/span><\/h2>\n<h2 style=\"line-height: 1;\"><span style=\"font-family: inherit; font-weight: 600; font-style: normal; color: #020191;\">projets<\/span><\/h2><\/div><\/div><div class=\"vce-text-block\"><div class=\"vce-text-block-wrapper vce\" id=\"el-e75cad75\" data-vce-do-apply=\"all el-e75cad75\" data-vce-animate=\"vce-o-animate--zoomIn\" data-vce-animate-delay=\"vce-o-animate-delay--2\"><p><span style=\"font-size: 14pt; font-family: inherit;\"><strong>Futur propri\u00e9taire d\u2019un logement? Acquisition d\u2019une nouvelle voiture? Empruntez en toute s\u00e9r\u00e9nit\u00e9 en optant pour notre assurance qui garantit le remboursement de vos mensualit\u00e9s en cas de p\u00e9pins.<\/strong><\/span><\/p><\/div><\/div><div class=\"vce-button--style-basic-container vce-button--style-basic-container--align-left\"><span class=\"vce-button--style-basic-wrapper vce\" id=\"el-e50fcddb\" data-vce-do-apply=\"margin el-e50fcddb\"><a class=\"vce-button vce-button--style-basic vce-button--style-basic--border-square vce-button--style-basic--size-medium vce-button--style-basic--color-b-210-72-37--fff\" href=\"https:\/\/www.axa.dz\/contactez-nous\/trouvez-votre-agence\/\" title=\"\" data-vce-do-apply=\"padding border background  el-e50fcddb\" data-vce-animate=\"vce-o-animate--fadeInUp\" data-vce-animate-delay=\"vce-o-animate-delay--3\">CONTACTEZ UNE AGENCE<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vce-row-container\"><div class=\"vce-row vce-row--col-gap-30 vce-row-equal-height vce-row-content--top\" data-vce-full-width=\"true\" id=\"el-557b9d94\" data-vce-do-apply=\"all el-557b9d94\"><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--xs-100p vce-col--xs-visible vce-col--xs-last vce-col--xs-first vce-col--sm-100p vce-col--sm-visible vce-col--sm-last vce-col--sm-first vce-col--md-hide vce-col--md-first vce-col--lg-hide vce-col--lg-first vce-col--xl-hide vce-col--xl-first\" id=\"el-1072c540\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-1072c540\"><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-1072c540\"><div class=\"vce-row-container\"><div class=\"vce-row vce-element--has-background vce-row--col-gap-30 vce-row-wrap--reverse vce-row-equal-height vce-row-content--bottom\" data-vce-full-width=\"true\" id=\"el-9520a948\" data-vce-do-apply=\"all el-9520a948\"><div class=\"vce-content-background-container\"><div class=\"vce-asset-background-simple-container vce-visible-all-only vce-asset-background-simple--style-cover vce-asset-background-simple--position-left-bottom\"><div class=\"vce-asset-background-simple\">\n              <div style='background-image: url(\"https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_banner-scaled.jpg\");'  class=\"vce-asset-background-simple-item vcv-lozad\" ><\/div>\n              <noscript>\n                <div class=\"vce-asset-background-simple-item\" style=\"background-image: url(https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_banner-scaled.jpg)\"><\/div>\n              <\/noscript>\n            <\/div><\/div><\/div><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--xs-100p vce-col--xs-visible vce-col--xs-last vce-col--xs-first vce-col--sm-100p vce-col--sm-visible vce-col--sm-last vce-col--sm-first vce-col--md-auto vce-col--md-visible vce-col--md-last vce-col--md-first vce-col--lg-auto vce-col--lg-visible vce-col--lg-last vce-col--lg-first vce-col--xl-auto vce-col--xl-visible vce-col--xl-last vce-col--xl-first\" id=\"el-a78bca7c\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-a78bca7c\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-a78bca7c\"><div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vce-row-container\" data-vce-boxed-width=\"true\"><div class=\"vce-row vce-element--xl--has-background vce-element--lg--has-background vce-element--md--has-background vce-element--sm--has-background vce-element--xs--has-background vce-row--col-gap-30 vce-row-equal-height vce-row-content--top\" id=\"el-e923ec59\" data-vce-do-apply=\"all el-e923ec59\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-last vce-col--lg-last vce-col--xl-last vce-col--md-first vce-col--lg-first vce-col--xl-first\" id=\"el-bacb5ced\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-bacb5ced\"><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-bacb5ced\"><div class=\"vce-text-block\"><div class=\"vce-text-block-wrapper vce\" id=\"el-354aeb42\" data-vce-do-apply=\"all el-354aeb42\" data-vce-animate=\"vce-o-animate--None\"><h1><span style=\"font-size: 14pt;\"><strong><span style=\"color: #d24825;\">ASSURANCE EMPRUNTEUR<\/span><\/strong><\/span><\/h1><\/div><\/div><div class=\"vce-text-block\"><div class=\"vce-text-block-wrapper vce\" id=\"el-47bc066f\" data-vce-do-apply=\"all el-47bc066f\" data-vce-animate=\"vce-o-animate--None\" data-vce-animate-delay=\"vce-o-animate-delay--1\"><h2 style=\"line-height: 1.5;\"><span style=\"font-size: 16pt;\"><span style=\"font-family: inherit; font-weight: 600; font-style: normal; color: #020191;\">L'assurance qui soutient vos projets<\/span><\/span><\/h2><\/div><\/div><div class=\"vce-text-block\"><div class=\"vce-text-block-wrapper vce\" id=\"el-ea6df487\" data-vce-do-apply=\"all el-ea6df487\" data-vce-animate=\"vce-o-animate--None\" data-vce-animate-delay=\"vce-o-animate-delay--2\"><p><span style=\"font-size: 12pt; font-family: inherit;\"><strong>Future propri\u00e9taire d\u2019un logement? Acquisition d\u2019une nouvelle voiture? Empruntez en toute s\u00e9r\u00e9nit\u00e9 en optant pour notre assurance qui garantit le remboursement de vos mensualit\u00e9s en cas de p\u00e9pins.<\/strong><\/span><\/p><\/div><\/div><div class=\"vce-button--style-basic-container vce-button--style-basic-container--align-left\"><span class=\"vce-button--style-basic-wrapper vce vce-button--style-basic-wrapper--stretched\" id=\"el-390a1c60\" data-vce-do-apply=\"margin el-390a1c60\"><a class=\"vce-button vce-button--style-basic vce-button--style-basic--border-square vce-button--style-basic--size-medium vce-button--style-basic--color-b-210-72-37--fff\" href=\"https:\/\/www.axa.dz\/contactez-nous\/trouvez-votre-agence\/\" title=\"\" data-vce-do-apply=\"padding border background  el-390a1c60\" data-vce-animate=\"vce-o-animate--None\" data-vce-animate-delay=\"vce-o-animate-delay--3\">CONTACTEZ UNE AGENCE<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vce-row-container\"><div class=\"vce-row vce-element--xl--has-background vce-element--lg--has-background vce-element--md--has-background vce-element--sm--has-background vce-element--xs--has-background vce-row--col-gap-30 vce-row-equal-height vce-row-content--top\" data-vce-full-width=\"true\" id=\"el-f48776bf\" data-vce-do-apply=\"all el-f48776bf\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-last vce-col--lg-last vce-col--xl-last vce-col--md-first vce-col--lg-first vce-col--xl-first\" id=\"el-8745b8a3\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-8745b8a3\"><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-8745b8a3\"><div class=\"vce-text-block\"><div class=\"vce-text-block-wrapper vce\" id=\"el-958bb6b0\" data-vce-do-apply=\"all el-958bb6b0\"><p class=\"typo36\" style=\"text-align: center;\"><span style=\"color: #ffffff;\"><strong>Une prise en charge de votre emprunt bancaire en cas de d\u00e9c\u00e8s ou de maladie invalidante<\/strong><\/span><\/p><\/div><\/div><div class=\"vce-button--style-grow-shadow-container vce-button--style-grow-shadow-container--align-center\" style=\"--alignment: center; --color: rgb(2, 1, 145); --hoverColor: rgb(2, 1, 145); --background: rgba(255, 255, 255, 0.85); --hoverBackground: rgb(255, 255, 255);\"><span class=\"vce-button--style-grow-shadow-wrapper vce\" id=\"el-7c950d87\" data-vce-do-apply=\"margin el-7c950d87\"><a class=\"vce-button vce-button--style-grow-shadow vce-button--style-grow-shadow--border-square vce-button--style-grow-shadow--size-medium\" href=\"https:\/\/www.axa.dz\/contactez-nous\/trouvez-votre-agence\/\" title=\"\" data-vce-do-apply=\"padding border background  el-7c950d87\">Contactez l\u2019agence la plus proche<\/a><\/span><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vce-row-container\"><div class=\"vce-row vce-row--xl--has-col-background vce-row--lg--has-col-background vce-row--md--has-col-background vce-row--sm--has-col-background vce-row--xs--has-col-background vce-row--col-gap-30 vce-row-no-paddings vce-row-equal-height vce-row-content--top\" data-vce-full-width=\"true\" data-vce-stretch-content=\"true\" id=\"el-b3432dd2\" data-vce-do-apply=\"all el-b3432dd2\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-element--xl--has-background vce-element--lg--has-background vce-element--md--has-background vce-element--sm--has-background vce-element--xs--has-background vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-first vce-col--lg-first vce-col--xl-first\" id=\"el-879d8240\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-879d8240\" data-vce-animate=\"vce-o-animate--fadeIn-xl vce-o-animate--fadeIn-lg vce-o-animate--fadeIn-md vce-o-animate--fadeIn-sm vce-o-animate--fadeIn-xs\"><div class=\"vce-content-background-container\"><div class=\"vce-asset-background-simple-container vce-visible-xl-only vce-asset-background-simple--style-cover vce-asset-background-simple--position-left-top\"><div class=\"vce-asset-background-simple\">\n              <div style='background-image: url(\"https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_article_1.jpg\");'  class=\"vce-asset-background-simple-item vcv-lozad\" ><\/div>\n              <noscript>\n                <div class=\"vce-asset-background-simple-item\" style=\"background-image: url(https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_article_1.jpg)\"><\/div>\n              <\/noscript>\n            <\/div><\/div><div class=\"vce-asset-background-simple-container vce-visible-lg-only vce-asset-background-simple--style-cover vce-asset-background-simple--position-center-top\"><div class=\"vce-asset-background-simple\">\n              <div style='background-image: url(\"https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_article_1.jpg\");'  class=\"vce-asset-background-simple-item vcv-lozad\" ><\/div>\n              <noscript>\n                <div class=\"vce-asset-background-simple-item\" style=\"background-image: url(https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_article_1.jpg)\"><\/div>\n              <\/noscript>\n            <\/div><\/div><div class=\"vce-asset-background-simple-container vce-visible-md-only vce-asset-background-simple--style-cover vce-asset-background-simple--position-center-top\"><div class=\"vce-asset-background-simple\">\n              <div style='background-image: url(\"https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_article_1.jpg\");'  class=\"vce-asset-background-simple-item vcv-lozad\" ><\/div>\n              <noscript>\n                <div class=\"vce-asset-background-simple-item\" style=\"background-image: url(https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_article_1.jpg)\"><\/div>\n              <\/noscript>\n            <\/div><\/div><div class=\"vce-asset-background-simple-container vce-visible-sm-only vce-asset-background-simple--style-cover vce-asset-background-simple--position-center-center\"><div class=\"vce-asset-background-simple\">\n              <div style='background-image: url(\"https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_article_1.jpg\");'  class=\"vce-asset-background-simple-item vcv-lozad\" ><\/div>\n              <noscript>\n                <div class=\"vce-asset-background-simple-item\" style=\"background-image: url(https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_article_1.jpg)\"><\/div>\n              <\/noscript>\n            <\/div><\/div><div class=\"vce-asset-background-simple-container vce-visible-xs-only vce-asset-background-simple--style-cover vce-asset-background-simple--position-center-top\"><div class=\"vce-asset-background-simple\">\n              <div style='background-image: url(\"https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_article_1.jpg\");'  class=\"vce-asset-background-simple-item vcv-lozad\" ><\/div>\n              <noscript>\n                <div class=\"vce-asset-background-simple-item\" style=\"background-image: url(https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/assurance_emprunteur_article_1.jpg)\"><\/div>\n              <\/noscript>\n            <\/div><\/div><\/div><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-879d8240\"><div><\/div><\/div><\/div><\/div><div class=\"vce-col vce-element--sm--has-background vce-element--xs--has-background vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-last vce-col--lg-last vce-col--xl-last\" id=\"el-f4106e05\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-f4106e05\" data-vce-animate=\"vce-o-animate--fadeInRight-xl vce-o-animate--fadeInRight-lg vce-o-animate--fadeInRight-md vce-o-animate--None-sm vce-o-animate--None-xs\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-f4106e05\"><div class=\"vce-text-block\"><div class=\"vce-text-block-wrapper vce\" id=\"el-3a28d0a9\" data-vce-do-apply=\"all el-3a28d0a9\"><h3 class=\"title-article\" style=\"line-height: 1.25;\"><strong><span style=\"font-size: 24pt;\">Pourquoi choisir notre assurance emprunteur ?<\/span><\/strong><\/h3>\n<p>Dans le cadre d'un emprunt, les \u00e9tablissements bancaires demandent la souscription d'une assurance qui garantit le remboursement du pr\u00eat, assurance qui est g\u00e9n\u00e9ralement une condition n\u00e9cessaire \u00e0 l'obtention d'un pr\u00eat.<\/p>\n<p>L\u2019assurance emprunteur d\u2019AXA apporte une r\u00e9ponse pour assurer l\u2019emprunt et lib\u00e9rer vos proches d\u2019\u00e9ventuelles cr\u00e9ances.<\/p>\n<p>En fonction de l\u2019emprunt que vous aurez souscrit et en collaboration avec votre organisme pr\u00eateur, deux formules d\u2019assurance emprunteur sont disponibles:<\/p>\n<ul>\n<li>Assurance D\u00e9c\u00e8s Emprunteur sur toute la dur\u00e9e du pr\u00eat<\/li>\n<li>Assurance D\u00e9c\u00e8s Emprunteur annuelle avec tacite reconduction<\/li>\n<\/ul>\n<p><strong>Les + d\u2019AXA<\/strong><\/p>\n<ul>\n<li>Vos proches sont lib\u00e9r\u00e9s de toute cr\u00e9ance gr\u00e2ce \u00e0 la prise en charge du remboursement<\/li>\n<li>La disponibilit\u00e9 de notre produit d\u2019assurance dans toutes nos agences AXA et le r\u00e9seau bancaire de nos partenaires<\/li>\n<li>Un paiement simplifi\u00e9 gr\u00e2ce au pr\u00e9l\u00e8vement automatique sur votre compte si vous souscrivez votre contrat dans l\u2019une des agences<\/li>\n<\/ul><\/div><\/div><div class=\"vce-faq-toggle vce-faq-toggle-color--fff vce-faq-toggle-shape-color--b-2-1-145 vce-faq-toggle-shape--rounded\"><div class=\"vce-faq-toggle-wrapper vce\" id=\"el-8ee06c42\" data-vce-do-apply=\"margin padding border background  el-8ee06c42\"><div class=\"vce-faq-toggle-inner\"><div class=\"vce-faq-toggle-title\"><p class=\"vce-faq-toggle-title-text\" aria-controls=\"faqToggle-8ee06c42\" aria-expanded=\"false\"><i class=\"vce-faq-toggle-icon\"><\/i>L\u2019assurance Emprunteur est-elle obligatoire ?<\/p><\/div><div class=\"vce-faq-toggle-text-block\" role=\"region\" id=\"faqToggle-8ee06c42\"><p>Lors de la souscription d\u2019un cr\u00e9dit bancaire, votre banque demande la souscription d\u2019une assurance Emprunteur. Ceci vous assure le remboursement du cr\u00e9dit d\u00fb si un d\u00e9c\u00e8s ou une maladie invalidante venait \u00e0 survenir et ainsi lib\u00e9rer vos proches de toutes cr\u00e9ances.<\/p><\/div><\/div><\/div><\/div><div class=\"vce-faq-toggle vce-faq-toggle-color--fff vce-faq-toggle-shape-color--b-2-1-145 vce-faq-toggle-shape--rounded\"><div class=\"vce-faq-toggle-wrapper vce\" id=\"el-847b8d29\" data-vce-do-apply=\"margin padding border background  el-847b8d29\"><div class=\"vce-faq-toggle-inner\"><div class=\"vce-faq-toggle-title\"><p class=\"vce-faq-toggle-title-text\" aria-controls=\"faqToggle-847b8d29\" aria-expanded=\"false\"><i class=\"vce-faq-toggle-icon\"><\/i>Quel est le montant de la garantie ? <\/p><\/div><div class=\"vce-faq-toggle-text-block\" role=\"region\" id=\"faqToggle-847b8d29\"><p>Le montant du capital garanti est \u00e9gal au montant du capital restant d\u00fb \u00e0 payer au jour de son d\u00e9c\u00e8s conform\u00e9ment au tableau&nbsp;d\u2019amortissement au jour du constat de l'I.A.D par le m\u00e9decin de l\u2019assur\u00e9.<\/p><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vce-row-container\"><div class=\"vce-row vce-row--has-col-background vce-row--col-gap-30 vce-row-wrap--reverse vce-row-no-paddings vce-row-equal-height vce-row-content--top\" data-vce-full-width=\"true\" data-vce-stretch-content=\"true\" id=\"el-7e706233\" data-vce-do-apply=\"all el-7e706233\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-element--sm--has-background vce-element--xs--has-background vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-first vce-col--lg-first vce-col--xl-first toped-col\" id=\"el-fbc78170\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-fbc78170\" data-vce-animate=\"vce-o-animate--fadeInLeft-xl vce-o-animate--fadeInLeft-lg vce-o-animate--fadeInLeft-md vce-o-animate--None-sm vce-o-animate--None-xs\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-fbc78170\"><div class=\"vce-text-block\"><div class=\"vce-text-block-wrapper vce\" id=\"el-da7a38c3\" data-vce-do-apply=\"all el-da7a38c3\"><h3 class=\"title-article\" style=\"line-height: 1.25;\"><strong><span style=\"font-size: 24pt;\">COMMENT DECLARER UN SINISTRE ?<\/span><\/strong><\/h3>\n<p>Le d\u00e9clarant doit se rendre au niveau de la banque SGA muni des pi\u00e8ces justificatives suivantes :<br>En cas de d\u00e9c\u00e8s de l\u2019assur\u00e9 :<\/p>\n<ul>\n<li>Copie du bulletin d\u2019adh\u00e9sion<\/li>\n<li>Copie de la pi\u00e8ce d\u2019identit\u00e9<\/li>\n<li>Un extrait de l'acte de d\u00e9c\u00e8s pr\u00e9cisant la date de d\u00e9c\u00e8s<\/li>\n<li>En cas d'accident de circulation, un proc\u00e8s-verbal des autorit\u00e9s relatant les circonstances de l'accident&nbsp;<\/li>\n<\/ul>\n<p>En cas d'Invalidit\u00e9 Absolue et D\u00e9finitive (IAD) :<\/p>\n<ul>\n<li>Copie du bulletin d\u2019adh\u00e9sion<\/li>\n<li>Copie de la pi\u00e8ce d\u2019identit\u00e9<\/li>\n<li>Certificat m\u00e9dical du m\u00e9decin attestant l\u2019IAD<\/li>\n<li>Une attestation de la commission de s\u00e9curit\u00e9 sociale constatant l'invalidit\u00e9 et vous classifiant en troisi\u00e8me cat\u00e9gorie des invalides;<\/li>\n<\/ul>\n<p>Une fois le dossier transmis et trait\u00e9 par AXA, l\u2019indemnit\u00e9 sera vir\u00e9e directement au profit de la banque b\u00e9n\u00e9ficiaire.&nbsp;<\/p><\/div><\/div><\/div><\/div><\/div><div class=\"vce-col vce-element--has-background vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-last vce-col--lg-last vce-col--xl-last\" id=\"el-a5ef3009\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-a5ef3009\" data-vce-animate=\"vce-o-animate--fadeIn\"><div class=\"vce-content-background-container\"><div class=\"vce-asset-background-simple-container vce-visible-all-only vce-asset-background-simple--style-cover vce-asset-background-simple--position-center-center\"><div class=\"vce-asset-background-simple\">\n              <div style='background-image: url(\"https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/10\/assurance_claims_1-scaled.jpg\");'  class=\"vce-asset-background-simple-item vcv-lozad\" ><\/div>\n              <noscript>\n                <div class=\"vce-asset-background-simple-item\" style=\"background-image: url(https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/10\/assurance_claims_1-scaled.jpg)\"><\/div>\n              <\/noscript>\n            <\/div><\/div><\/div><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-a5ef3009\"><div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"vce-row-container\" data-vce-boxed-width=\"true\"><div class=\"vce-row vce-row--col-gap-30 vce-row-equal-height vce-row-content--top\" id=\"el-c33e63a3\" data-vce-do-apply=\"all el-c33e63a3\"><div class=\"vce-content-background-container\"><\/div><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-last vce-col--lg-last vce-col--xl-last vce-col--md-first vce-col--lg-first vce-col--xl-first\" id=\"el-96969d81\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-96969d81\"><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-96969d81\"><div class=\"vce-text-block\"><div class=\"vce-text-block-wrapper vce\" id=\"el-3f5f9f45\" data-vce-do-apply=\"all el-3f5f9f45\"><h3 class=\"title-article\" style=\"text-align: center; line-height: 1;\"><span style=\"font-size: 24pt;\"><strong>T\u00e9l\u00e9chargement<\/strong><\/span><\/h3><\/div><\/div><div class=\"vce-row-container\" data-vce-boxed-width=\"true\"><div class=\"vce-row vce-row--col-gap-10 vce-row-equal-height vce-row-content--top\" id=\"el-e94790ca\" data-vce-do-apply=\"all el-e94790ca\"><div class=\"vce-row-content\" data-vce-element-content=\"true\"><div class=\"vce-col vce-col--md-auto vce-col--xs-1 vce-col--xs-last vce-col--xs-first vce-col--sm-last vce-col--sm-first vce-col--md-last vce-col--lg-last vce-col--xl-last vce-col--md-first vce-col--lg-first vce-col--xl-first\" id=\"el-27948ce3\"><div class=\"vce-col-inner\" data-vce-do-apply=\"border margin background  el-27948ce3\"><div class=\"vce-col-content\" data-vce-element-content=\"true\" data-vce-do-apply=\"padding el-27948ce3\"><div class=\"vce-separated-button-container vce\" id=\"el-36a416f2\" data-vce-do-apply=\"margin el-36a416f2\" style=\"--alignment: center; --background: rgb(2, 1, 145); --color: #fff; --hoverBackgroundColor: rgb(2,1,138); --hoverTextColor: #fff;\"><a class=\"vce-button vce-separated-button vce-separated-button--style--border-square\" href=\"https:\/\/www.axa.dz\/wp-content\/uploads\/2023\/11\/Conditions-Generales-Emprunteur.pdf\" title=\"\" target=\"_blank\" data-vce-do-apply=\"border background  el-36a416f2\" rel=\"noopener\"><span class=\"vce-separated-button-icon\" data-vce-do-apply=\"padding el-36a416f2\"><span class=\"vce-separated-button-icon-wrapper vcv-ui-icon-material vcv-ui-icon-material-arrow_downward\"><\/span><\/span><span class=\"vce-separated-button-text\" data-vce-do-apply=\"padding el-36a416f2\">Conditions G\u00e9n\u00e9rales Emprunteur<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>ASSURANCE EMPRUNTEURL&rsquo;assurance qui soutient vos projetsFutur propri\u00e9taire d\u2019un logement? Acquisition d\u2019une nouvelle voiture? Empruntez en toute s\u00e9r\u00e9nit\u00e9 en optant pour notre assurance qui garantit le remboursement de vos mensualit\u00e9s en cas de p\u00e9pins.CONTACTEZ UNE AGENCE ASSURANCE EMPRUNTEURL&rsquo;assurance qui soutient vos projetsFuture propri\u00e9taire d\u2019un logement? Acquisition d\u2019une nouvelle voiture? Empruntez en toute s\u00e9r\u00e9nit\u00e9 en optant pour [&hellip;]<\/p>\n","protected":false},"author":1028,"featured_media":0,"parent":74,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-248","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.axa.dz\/api\/wp\/v2\/pages\/248","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.axa.dz\/api\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.axa.dz\/api\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.axa.dz\/api\/wp\/v2\/users\/1028"}],"replies":[{"embeddable":true,"href":"https:\/\/www.axa.dz\/api\/wp\/v2\/comments?post=248"}],"version-history":[{"count":13,"href":"https:\/\/www.axa.dz\/api\/wp\/v2\/pages\/248\/revisions"}],"predecessor-version":[{"id":1294,"href":"https:\/\/www.axa.dz\/api\/wp\/v2\/pages\/248\/revisions\/1294"}],"up":[{"embeddable":true,"href":"https:\/\/www.axa.dz\/api\/wp\/v2\/pages\/74"}],"wp:attachment":[{"href":"https:\/\/www.axa.dz\/api\/wp\/v2\/media?parent=248"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}