{"id":1661,"date":"2022-07-26T17:36:14","date_gmt":"2022-07-26T21:36:14","guid":{"rendered":"https:\/\/www.cbbenefits.ca\/\/?page_id=1661"},"modified":"2026-02-11T17:52:10","modified_gmt":"2026-02-11T22:52:10","slug":"choisir-vos-garanties","status":"publish","type":"page","link":"https:\/\/bcavantages.ca\/fr\/sante-et-bien-etre\/demarrer\/choisir-vos-garanties\/","title":{"rendered":"Choisir vos garanties"},"content":{"rendered":"  <div id=\"page-hero-block_f112753c2e8c744b749a63648e0ce48f\" class=\"page-hero\">\r\n    <div class=\"page-hero__container green\" >\r\n      <div class=\"page-hero__image\">\r\n        <div class=\"page-hero__image__circle\">\r\n          <div class=\"page-hero__image__circle__bottom none\" style=\"background-image:url('\/wp-content\/uploads\/2022\/08\/health-Choosing-your-benefits-scaled-1-1920x1012.jpg')\"><\/div>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"page-hero__wrapper\">\r\n        <div class=\"page-hero__breadcrumb\">\r\n          <h1>\r\n                          <a href=\"\/fr\/sante-et-bien-etre\/\"><span class=\"page-hero__breadcrumb__parent\">Sant\u00e9 et bien-\u00eatre<\/span><\/a> <span class=\"page-hero__breadcrumb__separator\">|<\/span>\r\n                        <span class=\"page-hero__breadcrumb__current\">\r\n                              <a href=\"\/fr\/sante-et-bien-etre\/demarrer\/\">D\u00e9marrer<\/a>\r\n                          <\/span>\r\n          <\/h1>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n  <\/div>\r\n\n\n   <div id=\"anchor-link-block_0a0fa2c24e91fdf8507e45b204138056\" class=\"anchor-link\">\r\n      <a name=\"choisir-vos-garanties\" class=\"anchor\"><\/a>\r\n   <\/div>\r\n\n\n\n<h2 class=\"wp-block-heading\">Choisir vos garanties<\/h2>\n\n\n\n<p>Il y a plusieurs facteurs \u00e0 consid\u00e9rer au moment de choisir vos garanties, tels que vos besoins m\u00e9dicaux et financiers, votre situation de famille, ainsi que vos besoins potentiels, et ceux de votre famille, en mati\u00e8re de soins de sant\u00e9. Ce peut donc \u00eatre complexe!<\/p>\n\n\n\n<p>C\u2019est important de prendre le temps d\u2019\u00e9valuer les options offertes pour d\u00e9terminer les protections qui r\u00e9pondent \u00e0 vos besoins \u2013 et \u00e9viter celles qui n\u2019y r\u00e9pondent pas. Une fois que vous avez fait vos choix, vous devrez les conserver jusqu\u2019\u00e0 la p\u00e9riode d\u2019adh\u00e9sion suivante, \u00e0 moins de subir un \u00e9v\u00e9nement de la vie.<\/p>\n\n\n\n<div style=\"padding:56.25% 0 0 0;position:relative;\"><iframe src=\"https:\/\/player.vimeo.com\/video\/1128963077?h=e74d64e573&amp;badge=0&amp;autopause=0&amp;player_id=0&amp;app_id=58479\" frameborder=\"0\" allow=\"autoplay; fullscreen; picture-in-picture; clipboard-write; encrypted-media; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" style=\"position:absolute;top:0;left:0;width:100%;height:100%;\" title=\"BC Avantages : Votre guide pour la sant\u00e9 et le bien-\u00eatre 2026\"><\/iframe><\/div><script src=\"https:\/\/player.vimeo.com\/api\/player.js\"><\/script>\n\n\n\n<p><\/p>\n\n\n\n<p>Consultez le <em><a href=\"\/wp-content\/uploads\/2025\/11\/CBBenefits-Plan-Election-Guide_FR.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Guide des choix<\/a> <\/em>pour obtenir des conseils et prendre connaissance de sc\u00e9narios qui vous aideront \u00e0 choisir la meilleure option pour vous et votre famille.<\/p>\n\n\n   <div id=\"spacer-block_f09e7923381895ff3f6379196cb81ff9\" class=\"spacer spacer--regular\">\r\n\r\n   <\/div>\r\n\n\n   <div id=\"anchor-link-block_c0c8fd19f35d6ffe1447244771eaf9ae\" class=\"anchor-link\">\r\n      <a name=\"choisir-vos-garanties-facultatives\" class=\"anchor\"><\/a>\r\n   <\/div>\r\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Choisir vos garanties facultatives<\/strong><\/h2>\n\n\n\n<p>Les garanties facultatives offertes sont con\u00e7ues pour vous offrir, ainsi qu\u2019\u00e0 votre famille, une protection financi\u00e8re additionnelle dans l\u2019\u00e9ventualit\u00e9 d\u2019une blessure grave subie lors d\u2019un accident, d\u2019un diagnostic de maladie grave, ou de votre d\u00e9c\u00e8s ou celui d\u2019un membre de votre famille.<\/p>\n\n\n\n<p>Vous pouvez choisir de souscrire une :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Assurance vie facultative et assurance maladies graves facultative \u2013 via l&rsquo;assurance Libert\u00e9 de choisir de Canada Life \u2013 pour vous, votre conjoint et vos enfants<\/li>\n\n\n\n<li>Assurance DMA facultative \u2013 via CHUBB \u2013 pour vous, votre conjoint et vos enfants<\/li>\n<\/ul>\n\n\n\n<p>Pour en savoir davantage sur ces garanties facultatives, consultez le Guide d\u00e9taill\u00e9 sur les avantages sociaux ou la brochure sur l\u2019assurance DMA (voir les ressources connexes).<\/p>\n\n\n\n<p>Pour tout montant d\u2019assurance vie souscrit pour vous ou votre conjoint, vous devrez fournir une preuve de bonne sant\u00e9 (aussi appel\u00e9e preuve d\u2019assurabilit\u00e9) avant que la protection soit approuv\u00e9e. La preuve d\u2019assurabilit\u00e9 n\u2019est pas requise pour l\u2019assurance vie des enfants.<\/p>\n\n\n  <div id=\"related-resources-block_8c055e25154dd2d1a0fe052028ed939d\" class=\"related-resources\">\r\n    <div class=\"related-resources__container green\">\r\n      <div class=\"related-resources__heading nohovertrans\">\r\n        <span class=\"related-resources__heading__icon\">\r\n          <img decoding=\"async\" src=\"\/wp-content\/uploads\/2022\/07\/health-black.png\" alt=\"\">\r\n        <\/span>\r\n        <div class=\"related-resources__heading__text\">\r\n          Ressources connexes\r\n          <span class=\"related-resources__heading__expander\">\r\n            <span class=\"related-resources__heading__expand\" data-expand=\"expand\" aria-hidden=\"true\">+<\/span>\r\n            <span class=\"related-resources__heading__expand\" data-expand=\"collapse\" aria-hidden=\"true\">\u2013<\/span>\r\n          <\/span>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"related-resources__groups\">\r\n                  <div class=\"related-resources__group\">\r\n            <div class=\"related-resources__group__heading\">\r\n              Ressources            <\/div>\r\n\r\n            <ul class=\"related-resources__links\">\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"https:\/\/my.canadalife.com\/acceder\"  target=\"_blank\"  >Ma Canada Vie au travail<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"\/wp-content\/uploads\/2025\/10\/2026-CB-Benefits-Benefits-At-a-Glance_FR.pdf\"  target=\"_blank\"  >Garanties en un coup d\u2019oeil<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"\/wp-content\/uploads\/2025\/11\/FR-156241-Canadian-Baptist-Ministries-Booklet-39-Cl-201-209-Div-1-3522-24432-Standard-Enhanced-Premium-Flex_FR-designed.pdf\"  target=\"_blank\"  >Guide d\u00e9taill\u00e9 sur les avantages sociaux<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"\/wp-content\/uploads\/2025\/11\/CBBenefits-Plan-Election-Guide_FR.pdf\"  target=\"_blank\"  >Guide des choix<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"\/wp-content\/uploads\/2025\/11\/F79-01011_Liberte_de_choisir_membre_brochure-custom-Life-and-CI.pdf\"  target=\"_blank\"  >Libert\u00e9 de choisir\ud83c\udd6a brochure<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"https:\/\/www.canadalife.com\/fr\/assurance\/garanties-collectives\/garanties-mobiles\/webinaire.html\"  target=\"_blank\"  >Webinaire sur l\u2019assurance Libert\u00e9 de choisir\ud83c\udd6a<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"\/wp-content\/uploads\/2022\/08\/CBBenefits_Voluntary-ADD-Brochure_CHUBB_FR.pdf\"  target=\"_blank\"  >Brochure sur le r\u00e9gime DMA<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"https:\/\/www.canadalife.com\/fr\/soutien\/formulaires\/pour-vous-et-votre-famille.html\"  target=\"_blank\"  >Trouver un formulaire sur les avantages sociaux<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"\/wp-content\/uploads\/2025\/11\/CB-Benefits_ElectionFormAll_FR-Nov.25.pdf\"  target=\"_blank\"  >Formulaire de choix<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"\/wp-content\/uploads\/2025\/11\/CB-Benefits_BeneficiaryForm_FR-Nov.25.pdf\"  target=\"_blank\"  >Formulaire de d\u00e9signation de b\u00e9n\u00e9ficiaire<\/a>\r\n                                  <\/li>\r\n\r\n                          <\/ul>\r\n          <\/div>\r\n                  <div class=\"related-resources__group\">\r\n            <div class=\"related-resources__group__heading\">\r\n              Questions ou aide?            <\/div>\r\n\r\n            <ul class=\"related-resources__links\">\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"tel:1-833-900-3853\"  target=\"_blank\"  >Canada Vie sans frais 1-833-900-3853<\/a>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <div class=\"related-resources__link__text\">\r\n                      <p>AGA Assurances Collectives<br \/>\n<a href=\"tel:1-800-218-7018\">1-800-218-7018<\/a><br \/>\n(BCOQ et BCOC seulement)<\/p>\n                    <\/div>\r\n                                  <\/li>\r\n\r\n                              <li class=\"related-resources__link\">\r\n                                      <a class=\"nohovertrans \" href=\"mailto:benefits@cbbenefits.ca\"  target=\"_blank\"  >benefits@cbbenefits.ca<\/a>\r\n                                  <\/li>\r\n\r\n                          <\/ul>\r\n          <\/div>\r\n              <\/div>\r\n    <\/div>\r\n  <\/div>\r\n","protected":false},"excerpt":{"rendered":"<p>Choisir vos garanties Il y a plusieurs facteurs \u00e0 consid\u00e9rer au moment de choisir vos garanties, tels que vos besoins m\u00e9dicaux et financiers, votre situation de famille, ainsi que vos besoins potentiels, et ceux de votre famille, en mati\u00e8re de soins de sant\u00e9. Ce peut donc \u00eatre complexe! C\u2019est important de prendre le temps d\u2019\u00e9valuer [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":1659,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"page-template\/page-with-related-resources.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-1661","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages\/1661","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/comments?post=1661"}],"version-history":[{"count":19,"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages\/1661\/revisions"}],"predecessor-version":[{"id":5390,"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages\/1661\/revisions\/5390"}],"up":[{"embeddable":true,"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/pages\/1659"}],"wp:attachment":[{"href":"https:\/\/bcavantages.ca\/fr\/wp-json\/wp\/v2\/media?parent=1661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}