{"id":5449,"date":"2026-02-02T14:37:01","date_gmt":"2026-02-02T14:37:01","guid":{"rendered":"https:\/\/prio.swiss\/?p=5449"},"modified":"2026-02-23T12:13:11","modified_gmt":"2026-02-23T12:13:11","slug":"accord-de-branche-un-premier-bilan-positif-in-francese","status":"publish","type":"post","link":"https:\/\/prio.swiss\/it\/accord-de-branche-un-premier-bilan-positif-in-francese\/","title":{"rendered":"Accord de branche: un premier bilan positif (in francese)"},"content":{"rendered":"<p><strong>Depuis le 1<sup>er<\/sup> septembre 2024, l\u2019accord de branche r\u00e9gissant les activit\u00e9s des interm\u00e9diaires d\u2019assurance est contraignant pour tous les assureurs-maladie affili\u00e9s. Ce cadre fixe des r\u00e8gles claires: interdiction du d\u00e9marchage t\u00e9l\u00e9phonique \u00ab\u00e0 froid\u00bb, crit\u00e8res de qualit\u00e9 pour le travail des interm\u00e9diaires et plafonnement des commissions.<\/strong><\/p>\n<p>Les conseils avis\u00e9s fournis par les interm\u00e9diaires ou les plateformes de comparaison sont des prestations utiles et appr\u00e9ci\u00e9es des assur\u00e9s, qui leur permettent de choisir en toute connaissance de cause une couverture d\u2019assurance adapt\u00e9e \u00e0 leur situation personnelle. L\u2019accord de branche permet de distinguer la grande majorit\u00e9 des interm\u00e9diaires, qui travaillent de mani\u00e8re s\u00e9rieuse, d\u2019une petite minorit\u00e9 qui ne respecte pas les normes de qualit\u00e9.<\/p>\n<p>Un an apr\u00e8s son entr\u00e9e en vigueur, le bilan est encourageant et d\u00e9montre l\u2019efficacit\u00e9 de l\u2019accord de branche. Le nombre de signalements re\u00e7us par la centrale de notification<span style=\"color: #0000ff;\"> <a style=\"color: #0000ff;\" href=\"https:\/\/inter-mieux.ch\/\">https:\/\/inter-mieux.ch\/<\/a><\/span> recule: en 2025, 64 signalements ont \u00e9t\u00e9 enregistr\u00e9s, contre 83 en 2024 et 153 en 2023. Ces chiffres concordent avec ceux des autorit\u00e9s: depuis le 1<sup>er<\/sup> septembre 2024, l\u2019Office f\u00e9d\u00e9ral de la sant\u00e9 publique (OFSP) a re\u00e7u 67 signalements relatifs au d\u00e9marchage t\u00e9l\u00e9phonique \u00ab\u00e0 froid\u00bb, et l\u2019Autorit\u00e9 f\u00e9d\u00e9rale de surveillance des march\u00e9s financiers (FINMA) en a re\u00e7u 358. Ce sont des chiffres tr\u00e8s modestes au vu du nombre de conclusions annuelles de contrats dans l\u2018assurance-maladie de base et les assurances compl\u00e9mentaires.<\/p>\n<p>Les assur\u00e9s et les organisations de consommateurs peuvent \u00e0 tout moment signaler de potentielles infractions \u00e0 l\u2019accord de branche \u00e0 la centrale de notification <em>inter-mieux<\/em>. Celle-ci est joignable par t\u00e9l\u00e9phone les jours ouvrables au 0800 00 02 82 ou via le formulaire de contact disponible sur son site (<span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/inter-mieux.ch\/signaler-une-infraction\">https:\/\/inter-mieux.ch\/signaler-une-infraction<\/a><\/span>). Des juristes conseillent les assur\u00e9s qui leur signalent des infractions \u00e0 l\u2019accord de branche. \u00abNotre travail nous permet d\u2019aider r\u00e9ellement les assur\u00e9s car nous leurs prodiguons des conseils pertinents et pouvons constater s\u2019il y a effectivement eu une violation de l\u2019accord de branche\u00bb, explique Lucius D\u00fcrr, pr\u00e9sident de la centrale de notification.<\/p>\n<p><strong>Efficacit\u00e9 de l\u2019autor\u00e9gulation<\/strong><\/p>\n<p>L\u2019\u00e9volution actuelle montre qu\u2019un cadre commun contribue \u00e0 lutter efficacement contre les appels ind\u00e9sirables et les pratiques abusives de certains interm\u00e9diaires. L\u2019accord s\u2019applique tant aux interm\u00e9diaires exer\u00e7ant \u00e0 titre ind\u00e9pendant ou qu\u2019\u00e0 ceux qui sont employ\u00e9s par un portail de comparaison en ligne ou une assurance.<\/p>\n<p>Le Conseil f\u00e9d\u00e9ral parvient \u00e0 la m\u00eame conclusion comme il l\u2019a pr\u00e9cis\u00e9 dans sa r\u00e9ponse \u00e0 la question <span style=\"color: #0000ff;\"><a style=\"color: #0000ff;\" href=\"https:\/\/www.parlament.ch\/de\/ratsbetrieb\/suche-curia-vista\/geschaeft?AffairId=20251039\">25.1039<\/a><\/span> de la Conseill\u00e8re nationale Sarah Wyss (PS\/BS): \u00abAu vu du nombre relativement faible de signalements et de plaintes aupr\u00e8s des autorit\u00e9s de surveillance, les dispositions l\u00e9gales semblent porter leurs fruits tant dans l\u2019assurance de base que dans les assurances compl\u00e9mentaires.\u00bb Il souligne toutefois, \u00e0 juste titre, le d\u00e9fi constitu\u00e9 par le d\u00e9marchage t\u00e9l\u00e9phonique \u00ab\u00e0 froid\u00bb, qui est de plus en plus souvent pratiqu\u00e9 depuis l\u2019\u00e9tranger via des centrales d\u2019appels et\/ou par le biais d\u2019usurpations d\u2019identit\u00e9s (spoofing).<\/p>\n<p>En conclusion, l\u2019activit\u00e9 de la centrale de notification <em>inter-mieux<\/em> confirme que la grande majorit\u00e9 des interm\u00e9diaires exercent leur profession avec s\u00e9rieux et professionnalisme. Ils offrent aux assur\u00e9s un service pr\u00e9cieux en les aidant \u00e0 choisir les produits d\u2019assurance les mieux adapt\u00e9s \u00e0 leurs besoins.L\u2019accord de branche prot\u00e8ge les assur\u00e9s en leur garantissant des conseils professionnels et fiables, tout en garantissant une concurrence saine et transparente entre les assureurs-maladie.<\/p>\n<p>&nbsp;<\/p>\n<p>Berne, f\u00e9vrier 2026<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Depuis le 1er septembre 2024, l\u2019accord de branche r\u00e9gissant les activit\u00e9s des interm\u00e9diaires d\u2019assurance est contraignant pour tous les assureurs-maladie affili\u00e9s. <\/p>\n","protected":false},"author":5,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[47],"tags":[],"class_list":["post-5449","post","type-post","status-publish","format-standard","hentry","category-articoli"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - 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