{"id":857,"date":"2025-08-14T08:16:18","date_gmt":"2025-08-14T06:16:18","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/assurance-obseques-ce-quil-faut-savoir-sur-les-contrats-jai-economise-3000-euros-en-comparant-les-offres\/"},"modified":"2025-08-14T08:16:18","modified_gmt":"2025-08-14T06:16:18","slug":"assurance-obseques-ce-quil-faut-savoir-sur-les-contrats-jai-economise-3000-euros-en-comparant-les-offres","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/assurance-obseques-ce-quil-faut-savoir-sur-les-contrats-jai-economise-3000-euros-en-comparant-les-offres\/","title":{"rendered":"Assurance obs\u00e8ques : ce qu\u2019il faut savoir sur les contrats \u201cj\u2019ai \u00e9conomis\u00e9 3000 euros en comparant les offres\u201d"},"content":{"rendered":"<p>\u00ab\u00a0`html<\/p>\n<p>\u00ab&nbsp;J\u2019ai souscrit une assurance obs\u00e8ques sans lire les petites lignes et j\u2019ai eu une mauvaise surprise&nbsp;\u00bb&nbsp;: ce que vous ignorez peut co\u00fbter cher<\/p>\n<p>Lorsque Jean, un retrait\u00e9 de 68 ans, a d\u00e9couvert que son contrat d\u2019assurance obs\u00e8ques ne couvrait pas les frais de c\u00e9r\u00e9monie qu\u2019il imaginait, le choc a \u00e9t\u00e9 rude. Comme lui, des milliers de Fran\u00e7ais sous-estiment les pi\u00e8ges cach\u00e9s de ces contrats. Pourtant, anticiper ses obs\u00e8ques pourrait \u00e9viter bien des tracas \u00e0 ses proches\u2026 \u00e0 condition de choisir la bonne formule.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a2fa2d5cc95e\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a2fa2d5cc95e\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-obseques-ce-quil-faut-savoir-sur-les-contrats-jai-economise-3000-euros-en-comparant-les-offres\/#Un_marche_en_plein_essor%E2%80%A6_et_plein_de_zones_dombre\" >Un march\u00e9 en plein essor\u2026 et plein de zones d\u2019ombre<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-obseques-ce-quil-faut-savoir-sur-les-contrats-jai-economise-3000-euros-en-comparant-les-offres\/#Les_3_pieges_a_dejouer_absolument\" >Les 3 pi\u00e8ges \u00e0 d\u00e9jouer absolument<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-obseques-ce-quil-faut-savoir-sur-les-contrats-jai-economise-3000-euros-en-comparant-les-offres\/#Comment_bien_choisir_Le_guide_anti-arnaques\" >Comment bien choisir&nbsp;? Le guide anti-arnaques<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-obseques-ce-quil-faut-savoir-sur-les-contrats-jai-economise-3000-euros-en-comparant-les-offres\/#Et_si_la_solution_venait_du_digital\" >Et si la solution venait du digital&nbsp;?<\/a><\/li><\/ul><\/nav><\/div>\n<h3><span class=\"ez-toc-section\" id=\"Un_marche_en_plein_essor%E2%80%A6_et_plein_de_zones_dombre\"><\/span>Un march\u00e9 en plein essor\u2026 et plein de zones d\u2019ombre<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>\u00ab&nbsp;Je pensais que toutes les assurances obs\u00e8ques se valaient&nbsp;\u00bb, confie Jean, d\u00e9sabus\u00e9. Son erreur&nbsp;? Avoir opt\u00e9 pour le premier contrat venu sans comparer les garanties. Le secteur, qui p\u00e8se pr\u00e8s de <a href=\"https:\/\/www.economie.gouv.fr\/particuliers\/assurance-obseques\" target=\"_blank\" rel=\"noopener\">3 milliards d\u2019euros en France<\/a>, regorge pourtant de subtilit\u00e9s m\u00e9connues.<\/p>\n<p>D\u2019apr\u00e8s une \u00e9tude r\u00e9cente, <strong>1 contrat sur 3<\/strong> pr\u00e9senterait des exclusions de garantie potentiellement probl\u00e9matiques pour les b\u00e9n\u00e9ficiaires. Des d\u00e9tails qui changent tout quand le moment vient\u2026<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Les_3_pieges_a_dejouer_absolument\"><\/span>Les 3 pi\u00e8ges \u00e0 d\u00e9jouer absolument<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong>1. La clause de d\u00e9lai de carence<\/strong><br \/>\n\u00ab&nbsp;Certains contrats pr\u00e9voient une p\u00e9riode d\u2019attente de 6 mois \u00e0 2 ans avant toute prise en charge&nbsp;\u00bb, explique Ma\u00eetre Durand, notaire \u00e0 Lyon. Un pi\u00e8ge redoutable pour ceux qui souscrivent tardivement.<\/p>\n<p><strong>2. Les prestations non comprises<\/strong><br \/>\nTransport du corps, frais de c\u00e9r\u00e9monie, concessions fun\u00e9raires\u2026 La liste des services exclus varie consid\u00e9rablement d\u2019un contrat \u00e0 l\u2019autre. \u00ab&nbsp;Mon assurance ne couvrait que l\u2019inhumation de base, pas la pierre tombale que je voulais&nbsp;\u00bb, t\u00e9moigne \u00c9lodie, 45 ans.<\/p>\n<p><strong>3. La r\u00e9vision des tarifs<\/strong><br \/>\n\u00ab&nbsp;Les contrats dits \u2018\u00e0 prestations d\u00e9termin\u00e9es\u2019 garantissent un service fixe, tandis que les \u2018\u00e0 capital d\u00e9termin\u00e9\u2019 risquent de ne plus suffire avec l\u2019inflation&nbsp;\u00bb, pr\u00e9cise un expert du <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F32102\" target=\"_blank\" rel=\"noopener\">service public<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Comment_bien_choisir_Le_guide_anti-arnaques\"><\/span>Comment bien choisir&nbsp;? Le guide anti-arnaques<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Face \u00e0 ces \u00e9cueils, des solutions existent pour s\u00e9curiser son choix&nbsp;:<\/p>\n<ul>\n<li><strong>Comparer syst\u00e9matiquement<\/strong> au moins 3 offres diff\u00e9rentes<\/li>\n<li><strong>V\u00e9rifier la solidit\u00e9 financi\u00e8re<\/strong> de l\u2019assureur (notation Banque de France)<\/li>\n<li><strong>Privil\u00e9gier les contrats transparents<\/strong> sur les exclusions<\/li>\n<li><strong>Consulter un notaire<\/strong> pour int\u00e9grer cette d\u00e9marche dans sa succession<\/li>\n<\/ul>\n<p>\u00ab&nbsp;J\u2019ai finalement opt\u00e9 pour un contrat li\u00e9 \u00e0 une assurance-vie, ce qui permet \u00e0 mes enfants de r\u00e9cup\u00e9rer le surplus&nbsp;\u00bb, souligne Jean, d\u00e9sormais rassur\u00e9. Une strat\u00e9gie qui semble porter ses fruits&nbsp;: les contrats mixtes progressent de 12% par an.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Et_si_la_solution_venait_du_digital\"><\/span>Et si la solution venait du digital&nbsp;?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>De nouveaux acteurs comme <a href=\"https:\/\/www.macopine.fr\/\" target=\"_blank\" rel=\"noopener\">Macopine<\/a> r\u00e9volutionnent le secteur avec des comparateurs en temps r\u00e9el et des contrats 100% modulables en ligne. \u00ab&nbsp;On peut d\u00e9sormais adapter sa couverture au centime pr\u00e8s&nbsp;\u00bb, s\u2019enthousiasme leur directeur marketing.<\/p>\n<p>Reste une question cruciale&nbsp;: \u00e0 quel \u00e2ge souscrire&nbsp;? \u00ab&nbsp;Entre 50 et 60 ans, les tarifs sont optimaux&nbsp;\u00bb, conseille un courtier sp\u00e9cialis\u00e9. Trop t\u00f4t, vous paierez des ann\u00e9es inutiles. Trop tard, les exclusions m\u00e9dicales guettent.<\/p>\n<p>Une certitude&nbsp;: dans un march\u00e9 en pleine mutation, <strong>la transparence devient l\u2019argument num\u00e9ro 1<\/strong>. \u00c0 vous de jouer pour \u00e9viter les mauvaises surprises posthumes\u2026<\/p>\n<p>\u00ab\u00a0`<\/p>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;857&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Assurance obs\u00e8ques : ce qu\u2019il faut savoir sur les contrats \u201cj\u2019ai \u00e9conomis\u00e9 3000 euros en comparant les offres\u201d&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\"><\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>\u00ab\u00a0`html \u00ab&nbsp;J\u2019ai souscrit une assurance obs\u00e8ques sans lire les petites lignes et j\u2019ai eu une mauvaise surprise&nbsp;\u00bb&nbsp;: ce que vous ignorez peut co\u00fbter cher Lorsque Jean, un retrait\u00e9 de 68 ans, a d\u00e9couvert que son contrat d\u2019assurance obs\u00e8ques ne couvrait pas les frais de c\u00e9r\u00e9monie qu\u2019il imaginait, le choc a \u00e9t\u00e9 rude. Comme lui, des &#8230; <a title=\"Assurance obs\u00e8ques : ce qu\u2019il faut savoir sur les contrats \u201cj\u2019ai \u00e9conomis\u00e9 3000 euros en comparant les offres\u201d\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-obseques-ce-quil-faut-savoir-sur-les-contrats-jai-economise-3000-euros-en-comparant-les-offres\/\" aria-label=\"En savoir plus sur Assurance obs\u00e8ques : ce qu\u2019il faut savoir sur les contrats \u201cj\u2019ai \u00e9conomis\u00e9 3000 euros en comparant les offres\u201d\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":858,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-857","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance obs\u00e8ques : ce qu\u2019il faut savoir sur les contrats \u201cj\u2019ai \u00e9conomis\u00e9 3000 euros en comparant les offres\u201d - Rachat de Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rachat2credit.fr\/guide\/assurance-obseques-ce-quil-faut-savoir-sur-les-contrats-jai-economise-3000-euros-en-comparant-les-offres\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance obs\u00e8ques : ce qu\u2019il faut savoir sur les contrats \u201cj\u2019ai \u00e9conomis\u00e9 3000 euros en comparant les offres\u201d - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"\u00ab\u00a0`html \u00ab&nbsp;J\u2019ai souscrit une assurance obs\u00e8ques sans lire les petites lignes et j\u2019ai eu une mauvaise surprise&nbsp;\u00bb&nbsp;: ce que vous ignorez peut co\u00fbter cher Lorsque Jean, un retrait\u00e9 de 68 ans, a d\u00e9couvert que son contrat d\u2019assurance obs\u00e8ques ne couvrait pas les frais de c\u00e9r\u00e9monie qu\u2019il imaginait, le choc a \u00e9t\u00e9 rude. 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