{"id":29658,"date":"2026-10-01T07:00:30","date_gmt":"2026-10-01T11:00:30","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/fr-ca\/?p=29658"},"modified":"2026-10-01T07:41:36","modified_gmt":"2026-10-01T11:41:36","slug":"maladie-grave-preparation-financiere-canada","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/assurance-maladie\/maladie-grave-preparation-financiere-canada","title":{"rendered":"Maladie grave : Les Canadiens sont-ils pr\u00eats financi\u00e8rement"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/\">Accueil<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">Maladie grave : Les Canadiens sont-ils pr\u00eats financi\u00e8rement<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-09-14T14:59:55.104Z\">14 septembre 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">8 min de lecture<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2021\/06\/Mark-Gronowski.png?quality=80&w=512\" alt=\"Mark Gronowski\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Mark Gronowski<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Auteur<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2026\/09\/Serious-Illness-Are-Canadians-Financially-Prepared.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2026\/09\/Serious-Illness-Are-Canadians-Financially-Prepared.webp 1024w, https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2026\/09\/Serious-Illness-Are-Canadians-Financially-Prepared.webp?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/uploads\/sites\/3\/2026\/09\/Serious-Illness-Are-Canadians-Financially-Prepared.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tPartager cet article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Maladie grave : Les Canadiens sont-ils pr\u00eats financi\u00e8rement &#038;body=Bonjour, je pensais que cet article de RBC Assurances pourrait vous int\u00e9resser: https:\/\/silver.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/assurance-maladie\/maladie-grave-preparation-financiere-canada\" aria-label=\"Courriel\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tCourriel\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/assurance-maladie\/maladie-grave-preparation-financiere-canada\" aria-label=\"Copier l\u2019URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopier l\u2019URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">Combien de Canadiens d\u00e9tiennent une assurance maladies graves\u00a0?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-combien-de-canadiens-detiennent-une-assurance-maladies-graves-nbsp\">Combien de Canadiens d\u00e9tiennent une assurance maladies graves\u00a0?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-combien-de-canadiens-s-inquietent-d-une-maladie-grave-nbsp\">Combien de Canadiens s\u2019inqui\u00e8tent d\u2019une maladie grave\u00a0?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-combien-de-canadiens-sont-prets-financierement-a-faire-face-a-une-maladie-grave-nbsp\">Combien de Canadiens sont pr\u00eats financi\u00e8rement \u00e0 faire face \u00e0 une maladie grave\u00a0?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-que-savent-les-canadiens-au-sujet-de-l-assurance-maladies-graves-nbsp\">Que savent les Canadiens au sujet de l\u2019assurance maladies graves\u00a0?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-commencez-a-batir-votre-plan-financier-en-prevision-d-une-maladie-grave\">Commencez \u00e0 b\u00e2tir votre plan financier en pr\u00e9vision d\u2019une maladie grave<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-a-propos-du-sondage-de-rbc-nbsp-assurances\">\u00c0 propos du sondage de RBC\u00a0Assurances<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel blog-article\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Une maladie grave peut avoir de lourdes r\u00e9percussions tant sur la sant\u00e9 que sur les finances. Pourtant, m\u00eame si de nombreux Canadiens s\u2019en inqui\u00e8tent, bien peu s\u2019y pr\u00e9parent sur le plan financier.<\/p>\n\n\n\n<p>Selon le sondage de RBC Assurances intitul\u00e9 \u00ab&nbsp;<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/newsroom\/whats-the-plan-when-life-happens-most-canadians-dont-have-one-rbc-insurance-poll\/\"><\/a><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/communiques\/quand-un-imprevu-survient-quel-est-votre-plan-selon-un-sondage-de-rbc-assurances-la-plupart-des-canadiens-nen-ont-pas\/\" target=\"_blank\" data-dig-id=\"LP-Assurancemaladie-29658-5ddc799d\" data-dig-category=\"LP-Assurancemaladie\" data-dig-action=\"link click\" data-dig-label=\"Quand un impr\u00e9vu survient, quel est votre plan&nbsp;? La plupart des Canadiens n\u2019en ont pas\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Quand un impr\u00e9vu survient, quel est votre plan&nbsp;? La plupart des Canadiens n\u2019en ont pas<\/a>&nbsp;\u00bb, il existe un foss\u00e9 entre les craintes des Canadiens \u00e0 l\u2019\u00e9gard de la maladie grave et leur couverture r\u00e9elle. Les r\u00e9sultats mis en lumi\u00e8re dans cet article montrent que tous les Canadiens gagneraient \u00e0 mieux conna\u00eetre leurs options et \u00e0 planifier pour faire face \u00e0 l\u2019impr\u00e9vu.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading\" id=\"h-principaux-points-a-retenir\">Principaux points \u00e0 retenir<\/h3>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>M\u00eame si la maladie grave suscite des inqui\u00e9tudes, la plupart des Canadiens n\u2019ont pas d\u2019assurance maladies graves.<\/strong> \u00c0 peine 9&nbsp;% des Canadiens d\u00e9tiennent une assurance maladies graves.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>De nombreux Canadiens ne sont pas pr\u00eats financi\u00e8rement \u00e0 faire face \u00e0 un grave probl\u00e8me de sant\u00e9.<\/strong> Pr\u00e8s d\u2019un Canadien sur trois affirme que son \u00e9pargne serait \u00e9puis\u00e9e en six mois s\u2019il \u00e9tait atteint d\u2019une maladie grave.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Il subsiste un important manque d\u2019information et de sensibilisation \u00e0 l\u2019\u00e9gard de l\u2019assurance maladies graves. <\/strong>Quatre Canadiens sur dix d\u00e9clarent avoir une compr\u00e9hension limit\u00e9e ou faible de l\u2019assurance maladies graves.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-combien-de-canadiens-detiennent-une-assurance-maladies-graves-nbsp\">Combien de Canadiens d\u00e9tiennent une assurance maladies graves&nbsp;?<\/h2>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-critical-illness-insurance\/\" data-dig-id=\"LP-HealthInsurance-40286-6cb6d6f1\" data-dig-label=\"Critical illness insurance&nbsp;\" data-dig-action=\"link click\" data-dig-category=\"LP-HealthInsurance\" class=\"rbc-link-format\"><\/a><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-critical-illness-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><\/a>Selon le sondage, 29&nbsp;% des Canadiens affirment que l\u2019<a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/\"><\/a><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-maladie\/assurance-maladies-graves\/\" target=\"_blank\" data-dig-id=\"LP-Assurancemaladie-29658-0f3c874b\" data-dig-category=\"LP-Assurancemaladie\" data-dig-action=\"link click\" data-dig-label=\"assurance maladies graves\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">assurance maladies graves<\/a> est importante, mais seulement 9&nbsp;% en d\u00e9tiennent une.<\/p>\n\n\n\n<p>Cet \u00e9cart entre l\u2019importance per\u00e7ue et la couverture r\u00e9elle s\u2019observe \u00e9galement pour d\u2019autres types d\u2019assurance&nbsp;:<\/p>\n\n\n\n<div class=\"wp-block-rbc-basic-tables basicTables\">\n<div class=\"wp-block-rbc-basic-table basicTable\"><div class=\"basicTable__sliderNav\" role=\"navigation\" aria-label=\"Table navigation\"><div class=\"basicTable__navArrow basicTable__prevArrow\" aria-label=\"Previous\"><\/div><div class=\"basicTable__sliderDots\" role=\"tablist\" aria-label=\"Table pagination\"><\/div><div class=\"basicTable__navArrow basicTable__nextArrow\" aria-label=\"Next\"><\/div><\/div><table class=\"basicTable__table\" role=\"table\" aria-label=\"Comparison table\">\n<thead class=\"wp-block-rbc-basic-table-head basicTableHead\" role=\"rowgroup\" aria-label=\"Table head\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<p><strong>Type d\u2019assurance<\/strong><\/p>\n<\/th>\n\n\n\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<p><strong>Jugent que c\u2019est important<\/strong><\/p>\n<\/th>\n\n\n\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<p><strong>D\u00e9tiennent une protection<\/strong><\/p>\n<\/th>\n\n\n\n<th class=\"wp-block-rbc-basic-table-header basicTableHeader\" role=\"columnheader\" scope=\"col\">\n<p><strong>\u00c9cart en pourcentage<\/strong><\/p>\n<\/th>\n<\/tr>\n<\/thead>\n\n\n\n<tbody class=\"wp-block-rbc-basic-table-body basicTableBody\" role=\"rowgroup\" aria-label=\"Table body\">\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Assurance maladies graves<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>29&nbsp;%<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>9&nbsp;%<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>20&nbsp;%<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Assurance invalidit\u00e9<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>31&nbsp;%<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>10&nbsp;%<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>21&nbsp;%<\/p>\n<\/td>\n<\/tr>\n\n\n\n<tr class=\"wp-block-rbc-basic-table-row basicTableRow\" role=\"row\">\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>Assurance vie<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>58&nbsp;%<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>39&nbsp;%<\/p>\n<\/td>\n\n\n\n<td class=\"wp-block-rbc-basic-table-data basicTableData\" role=\"cell\" aria-label=\"Table cell\">\n<p>19&nbsp;%<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<\/div>\n\n\n\n<p>Pour chaque type de protection pr\u00e9sent\u00e9, les Canadiens sont nettement moins nombreux \u00e0 d\u00e9tenir une police qu\u2019\u00e0 la juger importante. Ces constats offrent aux Canadiens une occasion id\u00e9ale de faire le point sur leurs protections actuelles et de d\u00e9terminer la place de l\u2019assurance dans leur plan financier.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-combien-de-canadiens-s-inquietent-d-une-maladie-grave-nbsp\">Combien de Canadiens s\u2019inqui\u00e8tent d\u2019une maladie grave&nbsp;?<\/h2>\n\n\n\n<p>Plus de la moiti\u00e9 des Canadiens (57&nbsp;%) craignent d\u2019\u00eatre un jour atteints d\u2019une maladie grave comme le cancer, une crise cardiaque ou un accident vasculaire c\u00e9r\u00e9bral. Cette pr\u00e9occupation s\u2019av\u00e8re particuli\u00e8rement vive chez les femmes et les jeunes Canadiens.<\/p>\n\n\n\n<p>Cependant, bien que l\u2019angoisse li\u00e9e aux maladies graves soit largement r\u00e9pandue, le sondage r\u00e9v\u00e8le que tr\u00e8s peu de Canadiens, soit seulement 9&nbsp;%, d\u00e9tiennent une assurance maladies graves. Se renseigner sur les protections offertes constitue un premier pas pour mieux conna\u00eetre les options de soutien financier en cas de maladie grave.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-combien-de-canadiens-sont-prets-financierement-a-faire-face-a-une-maladie-grave-nbsp\">Combien de Canadiens sont pr\u00eats financi\u00e8rement \u00e0 faire face \u00e0 une maladie grave&nbsp;?<\/h2>\n\n\n\n<p>Pr\u00e8s d\u2019un Canadien sur trois affirme que son \u00e9pargne serait \u00e9puis\u00e9e en six mois s\u2019il subissait un grave revers de sant\u00e9.<\/p>\n\n\n\n<p>Ce constat souligne pourquoi la pr\u00e9paration financi\u00e8re est indissociable de toute r\u00e9flexion sur la maladie grave. Faire le point sur votre \u00e9pargne, vos assurances actuelles et vos avantages sociaux vous permet de faire l\u2019inventaire de vos ressources et de cerner les besoins d\u2019aide financi\u00e8re suppl\u00e9mentaires. Vous souhaitez obtenir un aper\u00e7u rapide de votre situation&nbsp;? La <a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/critical-illness-insurance-calculator.html\"><\/a><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-maladie\/assurance-maladies-graves-calculatrice\/\" target=\"_blank\" data-dig-id=\"LP-Assurancemaladie-29658-de9b29ba\" data-dig-category=\"LP-Assurancemaladie\" data-dig-action=\"link click\" data-dig-label=\"calculatrice de l\u2019assurance maladies graves\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">calculatrice de l\u2019assurance maladies graves<\/a> de RBC&nbsp;Assurances peut vous aider \u00e0 \u00e9valuer vos besoins de couverture.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-que-savent-les-canadiens-au-sujet-de-l-assurance-maladies-graves-nbsp\">Que savent les Canadiens au sujet de l\u2019assurance maladies graves&nbsp;?<\/h2>\n\n\n\n<p>Quatre Canadiens sur dix d\u00e9clarent avoir une compr\u00e9hension limit\u00e9e ou faible de l\u2019assurance maladies graves. Le sondage a r\u00e9v\u00e9l\u00e9 des lacunes pr\u00e9cises sur le plan des connaissances&nbsp;:<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Seulement 26&nbsp;% savent qu\u2019une indemnit\u00e9 de maladie grave peut \u00eatre utilis\u00e9e librement, notamment pour le paiement d\u2019un pr\u00eat hypoth\u00e9caire ou la garde des enfants.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Environ un quart d\u2019entre eux (24&nbsp;%) savent qu\u2019il est possible de pr\u00e9senter une demande de r\u00e8glement pour maladie grave tout en continuant \u00e0 travailler.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/ul>\n<\/div>\n\n\n\n<p>Le versement des prestations d\u00e9pend du respect des exigences de la police, notamment de la <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-does-critical-illness-insurance-cover\/\"><\/a><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/assurance-maladie\/que-couvre-lassurance-maladies-graves\/\" target=\"_blank\" data-dig-id=\"LP-Assurancemaladie-29658-9090c066\" data-dig-category=\"LP-Assurancemaladie\" data-dig-action=\"link click\" data-dig-label=\"d\u00e9finition d\u2019une maladie couverte\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">d\u00e9finition d\u2019une maladie couverte<\/a> et de toute p\u00e9riode de survie applicable. Les conditions, restrictions et exclusions de la police s\u2019appliquent.<\/p>\n\n\n\n<p>Bien comprendre le fonctionnement de cette couverture repr\u00e9sente la premi\u00e8re \u00e9tape pour prendre une d\u00e9cision \u00e9clair\u00e9e quant \u00e0 la pertinence de l\u2019assurance maladies graves selon ses besoins.<\/p>\n\n\n\n<p><strong>\u00c0 lire \u00e9galement&nbsp;:<\/strong> <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/health-insurance\/what-is-critical-illness-insurance\/\"><\/a><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/assurance-maladie\/quest-ce-que-lassurance-maladies-graves\/\" target=\"_blank\" data-dig-id=\"LP-Assurancemaladie-29658-7e325c79\" data-dig-category=\"LP-Assurancemaladie\" data-dig-action=\"link click\" data-dig-label=\"Qu\u2019est-ce que l\u2019assurance maladies graves&nbsp;?\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Qu\u2019est-ce que l\u2019assurance maladies graves&nbsp;?<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-commencez-a-batir-votre-plan-financier-en-prevision-d-une-maladie-grave\">Commencez \u00e0 b\u00e2tir votre plan financier en pr\u00e9vision d\u2019une maladie grave<\/h2>\n\n\n\n<p>Bien se pr\u00e9parer financi\u00e8rement \u00e0 l\u2019\u00e9ventualit\u00e9 d\u2019une maladie grave commence par l\u2019\u00e9tat des lieux de vos protections actuelles. Examinez les d\u00e9penses que vous auriez \u00e0 acquitter, l\u2019\u00e9pargne dans laquelle vous pourriez puiser ainsi que vos assurances et r\u00e9gimes d\u2019avantages sociaux actuels. La<a href=\"https:\/\/www.rbcinsurance.com\/health-insurance\/critical-illness-insurance-calculator.html\"> <\/a><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-maladie\/assurance-maladies-graves-calculatrice\/\" target=\"_blank\" data-dig-id=\"LP-Assurancemaladie-29658-23f20863\" data-dig-category=\"LP-Assurancemaladie\" data-dig-action=\"link click\" data-dig-label=\"calculatrice de l\u2019assurance maladies graves\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">calculatrice de l\u2019assurance maladies graves<\/a> de RBC&nbsp;Assurances se veut un outil pratique pour estimer vos besoins de couverture.<\/p>\n\n\n\n<p>Vous pourrez ensuite en apprendre davantage et <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/health-insurance\/critical-illness-insurance\/\"><\/a><a href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-maladie\/assurance-maladies-graves\/\" target=\"_blank\" rel=\"noreferrer noopener\" data-dig-id=\"LP-Assurancemaladie-29658-efe1b316\" data-dig-label=\"d\u00e9couvrir les options d\u2019Assurance maladies graves RBC\" data-dig-action=\"link click\" data-dig-category=\"LP-Assurancemaladie\" class=\"rbc-link-format\">d\u00e9couvrir les options d\u2019Assurance maladies graves RBC<\/a> propos\u00e9es afin de choisir celle qui vous convient le mieux.<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-assurance-maladies-graves-de-rbc\">Assurance Maladies Graves de RBC<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Prot\u00e9gez-vous ainsi que vos proches avec une assurance contre les maladies graves.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-maladie\/assurance-maladies-graves\/\" data-dig-id=\"LP-23614-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"En savoir plus-https:\/\/silver.rbcinsurance.com\/fr-ca\/assurance-maladie\/assurance-maladies-graves\/ \">En savoir plus<\/a><\/div>\n<\/div><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-faqs faqs\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading\" id=\"h-foire-aux-questions-sur-la-maladie-grave-et-la-preparation-financiere-au-canada\"><strong><strong>Foire aux questions sur la maladie grave et la pr\u00e9paration financi\u00e8re au Canada<\/strong><\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-quelles-difficultes-financieres-une-maladie-grave-peut-elle-entrainer-nbsp\"><strong><strong>Quelles difficult\u00e9s financi\u00e8res une maladie grave peut-elle entra\u00eener&nbsp;?<\/strong><\/strong><\/h4>\n\n\n\n<p>Une maladie grave peut limiter votre capacit\u00e9 de travailler alors que vos d\u00e9penses habituelles (loyer ou hypoth\u00e8que, \u00e9picerie, garde des enfants) continuent de courir. Selon votre situation, vous pourriez \u00e9galement devoir assumer des co\u00fbts suppl\u00e9mentaires pendant votre r\u00e9tablissement.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-que-devrais-je-examiner-pour-evaluer-mon-degre-de-preparation-financiere-en-cas-de-maladie-grave-nbsp\"><strong><strong>Que devrais-je examiner pour \u00e9valuer mon degr\u00e9 de pr\u00e9paration financi\u00e8re en cas de maladie grave&nbsp;?<\/strong><\/strong><\/h4>\n\n\n\n<p>Commencez par vos d\u00e9penses courantes essentielles, votre \u00e9pargne disponible et vos assurances actuelles. V\u00e9rifiez \u00e9galement les prestations pr\u00e9vues par vos avantages sociaux au travail ainsi que les crit\u00e8res pour y avoir droit. L\u2019ensemble de ces \u00e9l\u00e9ments vous permettra de cerner o\u00f9 un soutien financier d\u2019appoint pourrait s\u2019av\u00e9rer n\u00e9cessaire.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-pendant-combien-de-temps-mon-epargne-suffirait-elle-si-je-tombais-gravement-malade-nbsp\"><strong><strong>Pendant combien de temps mon \u00e9pargne suffirait-elle si je tombais gravement malade&nbsp;?<\/strong><\/strong><\/h4>\n\n\n\n<p>Cela d\u00e9pend de vos d\u00e9penses, de vos \u00e9conomies et de tout revenu ou prestation que vous continueriez de toucher. Comparez les montants que vous pourriez pr\u00e9lever de votre \u00e9pargne aux d\u00e9penses mensuelles que ces autres rentr\u00e9es d\u2019argent ne couvriraient pas. Vous obtiendrez ainsi une premi\u00e8re estimation, sachant que vos co\u00fbts r\u00e9els risquent d\u2019\u00e9voluer au fil de votre r\u00e9tablissement.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-vers-qui-puis-je-me-tourner-pour-m-aider-a-planifier-les-repercussions-financieres-d-une-maladie-grave-nbsp\"><strong><strong>Vers qui puis-je me tourner pour m\u2019aider \u00e0 planifier les r\u00e9percussions financi\u00e8res d\u2019une maladie grave&nbsp;?<\/strong><\/strong><\/h4>\n\n\n\n<p>Un conseiller financier ou un conseiller en assurance peut faire le point sur vos ressources et cibler les lacunes \u00e9ventuelles. Votre employeur ou le gestionnaire de vos avantages sociaux peut aussi vous \u00e9clairer sur vos garanties collectives afin de les int\u00e9grer \u00e0 votre plan.<\/p>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-a-propos-du-sondage-de-rbc-nbsp-assurances\">\u00c0 propos du sondage de RBC&nbsp;Assurances<\/h2>\n\n\n\n<p>Ces quelques conclusions sont tir\u00e9es d\u2019un sondage effectu\u00e9 par Ipsos pour le compte de RBC&nbsp;Assurances. Le sondage a \u00e9t\u00e9 men\u00e9 en anglais et en fran\u00e7ais. Le sondage a \u00e9t\u00e9 men\u00e9 aupr\u00e8s d\u2019un \u00e9chantillon de 2&nbsp;001 canadiens, \u00e2g\u00e9s de 18&nbsp;ans et plus, membres du panel ipsos I-say, entre le 18 et le 21&nbsp;ao\u00fbt&nbsp;2025. La pr\u00e9cision des sondages en ligne est calcul\u00e9e en fonction d\u2019un intervalle de cr\u00e9dibilit\u00e9. Dans le cas pr\u00e9sent, les r\u00e9sultats sont exacts \u00e0 +\/-&nbsp;2,7&nbsp;points de pourcentage pr\u00e8s, 19&nbsp;fois sur&nbsp;20, par rapport aux r\u00e9sultats que l\u2019on aurait obtenus si l\u2019ensemble de la population canadienne adulte avait \u00e9t\u00e9 sond\u00e9e.<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse34890d88\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse34890d88\" data-dig-id=\"LP-6062-34890d88\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Un mot de nos avocats\"><div>Un mot de nos avocats<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse34890d88\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>Le pr\u00e9sent article vise \u00e0 offrir des renseignements g\u00e9n\u00e9raux seulement et n\u2019a pas pour objet de fournir des conseils juridiques ou financiers, ni d\u2019autres conseils professionnels. Veuillez consulter un conseiller professionnel en ce qui concerne votre situation particuli\u00e8re. Les renseignements pr\u00e9sent\u00e9s sont r\u00e9put\u00e9s \u00eatre factuels et \u00e0 jour, mais nous ne garantissons pas leur exactitude et ils ne doivent pas \u00eatre consid\u00e9r\u00e9s comme une analyse exhaustive des sujets abord\u00e9s. Les opinions exprim\u00e9es refl\u00e8tent le jugement des auteurs \u00e0 la date de publication et peuvent changer. La Banque Royale du Canada et ses entit\u00e9s ne font pas la promotion, ni explicitement ni implicitement, des conseils, des avis, des renseignements, des produits ou des services de tiers.<\/p>\n\n\n\n<p>Les produits d\u2019assurance responsabilit\u00e9, habitation, auto, loisir et mode de vie (exception faite de l\u2019assurance pour voitures de collection) sont distribu\u00e9s par l\u2019Agence d\u2019assurances RBC lt\u00e9e et \u00e9tablis par Aviva, Compagnie d\u2019Assurance G\u00e9n\u00e9rale. Au Qu\u00e9bec, l\u2019Agence d\u2019assurance RBC lt\u00e9e est enregistr\u00e9e comme agence d\u2019assurances de dommages. En raison des r\u00e9gimes publics d\u2019assurance automobile en place au Manitoba, en Saskatchewan et en Colombie-Britannique, RBC Assurances n\u2019offre pas d\u2019assurance automobile dans ces provinces. Toutes les personnes qui utilisent les plateformes en ligne ou qui t\u00e9l\u00e9phonent ne pourront pas n\u00e9cessairement obtenir une soumission ou souscrire une police d\u2019assurance. La couverture peut varier selon la province. Certaines conditions, limitations et exclusions peuvent s\u2019appliquer. Pour conna\u00eetre les modalit\u00e9s de l\u2019assurance, communiquez avec votre sp\u00e9cialiste en assurance, \u00c9valuation du risque \u00e0 RBC, et consultez le libell\u00e9 de la police d\u2019assurance.<\/p>\n\n\n\n<p>L\u2019assurance pour voitures de collection est offerte par Hagerty Canada, LLC et \u00e9tablie par Elite Insurance Company, une filiale d\u2019Aviva Canada Inc. Certaines protections ne sont pas disponibles dans toutes les provinces. Hagerty est une marque d\u00e9pos\u00e9e de Hagerty Group, LLC.<\/p>\n\n\n\n<p><sup>MC<\/sup>&nbsp;Marque(s) de commerce de Banque Royale du Canada, utilis\u00e9e(s) sous licence. <\/p>\n<\/div>\n<\/div><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>La plupart des Canadiens n\u2019ont pas de plan en cas de maladie grave. D\u00e9couvrez les r\u00e9sultats du sondage de RBC Assurances sur la pr\u00e9paration financi\u00e8re, l\u2019\u00e9pargne et la couverture d\u2019assurance maladies graves<\/p>\n","protected":false},"author":222,"featured_media":29660,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false,"_ppma_block_editor_authors":""},"categories":[43],"tags":[55,44],"article-type":[68],"ppma_author":[157],"class_list":{"0":"post-29658","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-assurance-maladie","8":"tag-assurance-maladie","9":"tag-assurance-maladies-graves","10":"article-type-conseils-apprentissage"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Maladie grave : Les Canadiens sont-ils pr\u00eats financi\u00e8rement | RBC Assurances<\/title>\n<meta name=\"description\" content=\"La plupart des Canadiens n\u2019ont pas de plan en cas de maladie grave. D\u00e9couvrez les r\u00e9sultats du sondage de RBC Assurances sur la pr\u00e9paration financi\u00e8re, l\u2019\u00e9pargne et la couverture d\u2019assurance maladies graves\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/silver.rbcinsurance.com\/fr-ca\/conseils-apprentissage\/assurance-maladie\/maladie-grave-preparation-financiere-canada\/\" \/>\n<meta property=\"og:locale\" content=\"fr_CA\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Maladie grave : Les Canadiens sont-ils pr\u00eats financi\u00e8rement | RBC Assurances\" \/>\n<meta property=\"og:description\" content=\"La plupart des Canadiens n\u2019ont pas de plan en cas de maladie grave. 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