{"id":772961,"date":"2025-01-13T09:00:00","date_gmt":"2025-01-13T08:00:00","guid":{"rendered":"https:\/\/www.capgemini.com\/fr-fr\/?post_type=research-and-insight&#038;p=772961"},"modified":"2025-12-04T01:55:39","modified_gmt":"2025-12-04T00:55:39","slug":"top-trends-2025-assurance-sante","status":"publish","type":"research-and-insight","link":"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance-sante\/","title":{"rendered":"Top trends 2025 &#8211; Assurance sant\u00e9"},"content":{"rendered":"\n<header class=\"wp-block-cg-blocks-hero-reusable header heroReusable  \"><div class=\"header-bgs\"><picture><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Health-Landing-page-banner_2880x1800_02.jpg?w=2880&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Health-Landing-page-banner_2880x1800_02.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 1500px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Health-Landing-page-banner_2880x1800_02.jpg?w=1440&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Health-Landing-page-banner_2880x1800_02.jpg?w=2880&amp;quality=70 2x\" media=\"(min-width: 992px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Health-Landing-page-banner_2880x1800_02.jpg?w=1024&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Health-Landing-page-banner_2880x1800_02.jpg?w=1024&amp;quality=70 2x\" media=\"(min-width: 768px)\"\/><source srcset=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Health-Landing-page-banner_2880x1800_02.jpg?w=768&amp;quality=70 1x, https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Health-Landing-page-banner_2880x1800_02.jpg?w=768&amp;quality=70 2x\" media=\"(min-width: 0)\"\/><img decoding=\"async\" src=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Health-Landing-page-banner_2880x1800_02.jpg\" class=\"header-img header-img-d\" alt=\"\" style=\"object-fit:cover;object-position:70% 57.99999999999999%\" loading=\"eager\"\/><\/picture><\/div><div class=\"heroPictureCardHeaderShape\"><\/div><div class=\"container\"><div class=\"row\"><div class=\"col-md-12\"><div class=\"box\"><div class=\"boxTagWrapper\"><div class=\"tagInfo\"><div><span class=\"box-tag\">Services Financiers<\/span><\/div><\/div><div class=\"brandInfo\"><div class=\"brandLogo\"><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute-white.svg\" alt=\"capgemini-research-institute\" class=\"dark\"\/><img decoding=\"async\" loading=\"lazy\" src=\"\/wp-content\/themes\/capgemini2025\/assets\/images\/capgemini-research-institute.svg\" alt=\"capgemini-research-institute\" class=\"light\"\/><\/div><\/div><\/div><div class=\"box-title\"><h1 data-maxlength=\"34\">Top trends 2025 &#8211; Assurance sant\u00e9<\/h1><\/div><div class=\"inner-row-insight download-btn\"><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capgemini_Top-Trends-2025_Health-Insurance-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><span>T\u00e9l\u00e9charger le cahier de tendances<\/span><span class=\"type\">2 MB pdf<\/span><\/a><\/div><div class=\"col-md-4 downloadFiles \"><a class=\"button-download--small\" type=\"download\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capgemini_Top-Trends-2025_Infographic_Health-Insurance-1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><span>T\u00e9l\u00e9charger l&#8217;infographie<\/span><span class=\"type\">160 KB pdf<\/span><\/a><\/div><\/div><\/div><\/div><\/div><\/div><\/header>\n\n\n\n<section class=\"wp-block-cg-blocks-group undefined section section--article-content\"><div class=\"article-main-content\"><div class=\"container\"><div class=\"row\"><div class=\"col-12 col-md-1\"><nav class=\"article-social\"><ul class=\"social-nav\"><li class=\"ip-order-fb\"><a href=\"https:\/\/www.facebook.com\/sharer\/sharer.php?u=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=981758\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><i aria-hidden=\"true\" class=\"icon-fb\"><\/i><span class=\"sr-only\">Facebook<\/span><\/a><\/li><li class=\"ip-order-tw\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=981758&amp;text=\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><i aria-hidden=\"true\" class=\"icon-tw\"><\/i><span class=\"sr-only\">Twitter<\/span><\/a><\/li><li class=\"ip-order-li\"><a href=\"https:\/\/www.linkedin.com\/shareArticle?url=https:\/\/www.capgemini.com\/?post_type=research-and-insight&amp;p=981758&amp;text=\" target=\"_blank\" rel=\"noopener noreferrer\" title=\"Ouvrir dans une nouvelle fen\u00eatre\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><span class=\"sr-only\">Linkedin<\/span><\/a><\/li><\/ul><\/nav><\/div><div class=\"col-12 col-md-11 col-lg-10\"><div class=\"article-text article-quote-text\">\n<h2 class=\"wp-block-heading\" id=\"h-transformer-les-defis-de-l-industrie-en-avantage-concurrentiel-durable\">Transformer les d\u00e9fis de l&#8217;industrie en avantage concurrentiel durable<\/h2>\n\n\n\n<p>Les nouvelles tendances de l&#8217;assurance sant\u00e9 transforment compl\u00e8tement le paysage du secteur \u00e0 l&#8217;approche de 2025. Le dernier cahier des tendances de Capgemini identifie trois domaines fondamentaux qui d\u00e9finiront l&#8217;avenir de l&#8217;assurance sant\u00e9 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Customer first<\/strong> se concentre sur la transformation de l&#8217;exp\u00e9rience client, en mettant l&#8217;accent sur les interactions omnicanales et une offre de produits et services am\u00e9lior\u00e9e.<\/li>\n\n\n\n<li><strong>Enterprise management<\/strong> se concentre sur l&#8217;exploitation de la technologie pour rationaliser les processus, accro\u00eetre l&#8217;agilit\u00e9 et r\u00e9duire les co\u00fbts op\u00e9rationnels.<\/li>\n\n\n\n<li><strong>Intelligent industry<\/strong> utilise l&#8217;IA et des solutions modernes pour offrir une exp\u00e9rience digitale de bout en bout sur l&#8217;ensemble de la cha\u00eene de valeur de l&#8217;assurance..<\/li>\n<\/ul>\n\n\n\n<p>Les strat\u00e9gies centr\u00e9es sur le client et la modernisation des syst\u00e8mes legacy enrichissent l&#8217;exp\u00e9rience client et conduisent \u00e0 une efficacit\u00e9 op\u00e9rationnelle sans pr\u00e9c\u00e9dent.<\/p>\n\n\n\n<p>Ce rapport de tendances offre une vue d&#8217;ensemble des tendances qui fa\u00e7onneront l&#8217;avenir de l&#8217;industrie de l\u2019assurance sant\u00e9 en 2025 et propose des id\u00e9es concr\u00e8tes sur la fa\u00e7on dont les assureurs sant\u00e9 peuvent rester comp\u00e9titifs, stimuler leur d\u00e9veloppement et r\u00e9pondre aux exigences croissantes des assur\u00e9s.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-block-buttons-is-layout-flex\">\n<div class=\"wp-block-button is-style-outline is-style-outline--1\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.capgemini.com\/wp-content\/uploads\/2024\/12\/Capgemini_Top-Trends-2025_Health-Insurance-1.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">T\u00e9l\u00e9charger le cahier de tendances<\/a><\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-cg-blocks-how-we-do-it section section--howwedoit block-howwedoit\"><div class=\"container\"><div><div class=\"content-title\"><h2 data-maxlength=\"72\" class=\"expandable-heading-tag\">Les tendances march\u00e9 en 2025<\/h2><\/div><p>D\u00e9couvrez les derni\u00e8res tendances du secteur de l&#8217;assurance sant\u00e9 qui d\u00e9crivent de nouvelles normes en mati\u00e8re d&#8217;efficacit\u00e9, d&#8217;innovation et de valeur ajout\u00e9e en 2025.<\/p><\/div><div class=\"section-content\">\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Customer first<\/h3><\/div><div class=\"expander-content\"><p><strong>La personnalisation par le biais de partenariats<\/strong><br>L&#8217;augmentation des co\u00fbts de sant\u00e9 et des demandes de remboursement posent des d\u00e9fis financiers importants aux assureurs. L\u2019hyperpersonnalisation et l\u2019am\u00e9lioration des parcours clients sera favoris\u00e9e par la mise en \u0153uvre de partenariats entre les diff\u00e9rents acteurs du parcours de soins\u00a0: assureurs, h\u00f4pitaux et entreprises technologiques en particulier.<br><strong>Centricit\u00e9 client<\/strong><br>Le secteur de l&#8217;assurance sant\u00e9 doit identifier de nouveaux moyens d&#8217;optimiser les strat\u00e9gies au service de l\u2019exp\u00e9rience client. La gestion du cycle de vie des produits permet aux organismes de sant\u00e9 d&#8217;int\u00e9grer les retours d&#8217;information en temps r\u00e9el et de d\u00e9velopper des plans de sant\u00e9 plus pertinents et personnalis\u00e9s, ce qui en retour alimente la satisfaction des clients.<br><strong>Une couverture \u00e9largie<\/strong><br>L&#8217;augmentation des maladies chroniques, la p\u00e9nurie de personnel de sant\u00e9 et l&#8217;allongement des d\u00e9lais d&#8217;attente se traduisent par un syst\u00e8me de sant\u00e9 stress\u00e9 et des assur\u00e9s non satisfaits. En r\u00e9ponse, les assureurs adoptent de nouveaux mod\u00e8les tels que la t\u00e9l\u00e9m\u00e9decine ou les soins \u00e0 domicile pour r\u00e9pondre \u00e0 une demande croissante, permettre une meilleure fid\u00e9lisation de la client\u00e8le et augmenter leur nombre d\u2019assur\u00e9s.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Enterprise management<\/h3><\/div><div class=\"expander-content\"><p><strong>Gestion des risques<\/strong><br>La menace croissante de violations de donn\u00e9es accentue la n\u00e9cessit\u00e9 de renforcer la protection des donn\u00e9es sensibles. Les assureurs sant\u00e9 se tournent de plus en plus vers les architectures Cloud pour garantir un environnement plus s\u00fbr et att\u00e9nuer les risques d\u2019intrusion ou de violation de donn\u00e9es.<br><strong>Modernisation des syst\u00e8mes existants<\/strong><br>Les syst\u00e8mes de sant\u00e9 traditionnels et l&#8217;augmentation des co\u00fbts de sant\u00e9 p\u00e8sent sur les budgets des assureurs sant\u00e9. Alors que les clients se tournent vers des solutions jug\u00e9es plus modernes, ils n\u2019ont d\u2019autre choix que la modernisation de leurs syst\u00e8mes pour am\u00e9liorer l&#8217;efficacit\u00e9 op\u00e9rationnelle, r\u00e9duire les co\u00fbts de maintenance \u00e0 long terme et offrir les exp\u00e9riences attendues par leurs clients.<br><strong>Capacit\u00e9s de conseil en mati\u00e8re de prestations<\/strong><br>Beaucoup de clients de l&#8217;assurance sant\u00e9 ont du mal \u00e0 comprendre leurs prestations et les grilles de remboursement. Avec l&#8217;augmentation des transactions, les employeurs, courtiers et assureurs deviennent des conseillers en prestations de sant\u00e9 et doivent acqu\u00e9rir une meilleure connaissance de ces besoins pour y r\u00e9pondre.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-cg-blocks-card-howwedoit expanders\"><div class=\"box card-regulated-agreements card-howwedoit\"><div class=\"expander-box filter-box tag-active \"><div class=\"expander-title\" tabindex=\"0\" role=\"button\" aria-pressed=\"false\" aria-expanded=\"false\"><h3 class=\"expander-heading-title\">Intelligent industry<\/h3><\/div><div class=\"expander-content\"><p><strong>S\u00e9curit\u00e9 renforc\u00e9e<\/strong><br>Le secteur mondial des soins de sant\u00e9 est une cible privil\u00e9gi\u00e9e pour les cyberattaques. Les assureurs sant\u00e9 prioriseront la s\u00e9curit\u00e9 des \u00e9cosyst\u00e8mes interop\u00e9rables et la s\u00e9curisation des \u00e9changes de donn\u00e9es.<br><strong>Se concentrer sur la valeur<\/strong><br>La fragmentation des soins est un des d\u00e9fis du secteur de la sant\u00e9. Pour \u00e9viter les surtraitements et les surdiagnostics, les assureurs sant\u00e9 donnent la priorit\u00e9 \u00e0 la coordination des soins autour du patient pour favoriser la confiance des assur\u00e9s et \u00e9viter les \u00e9tapes inutiles.<br><strong>IA responsable et gouvernance<\/strong><br>L\u2019usage de l&#8217;IA se renforce, les assureurs se concentrent sur le d\u00e9veloppement de cadres \u00e9thiques qui garantissent l&#8217;int\u00e9gration s\u00fbre de l&#8217;IA et promeuvent la transparence et la confiance. Une gouvernance responsable de l&#8217;IA minimise les risques juridiques, prot\u00e8ge la r\u00e9putation des assureurs et am\u00e9liore l&#8217;\u00e9quit\u00e9 de la souscription et l&#8217;exactitude des demandes d&#8217;indemnisation.<br><strong>Conformit\u00e9 r\u00e9glementaire<\/strong><br>La mise en \u0153uvre de cadres r\u00e9glementaires et le respect de la conformit\u00e9 sont des pr\u00e9-requis pour les assureurs sant\u00e9. Pour \u00e9viter les p\u00e9nalit\u00e9s financi\u00e8res et garantir l\u2019alignement sur les r\u00e9glementations en constante \u00e9volution, les assureurs doivent donner la priorit\u00e9 \u00e0 l&#8217;adaptation r\u00e9glementaire afin d&#8217;\u00eatre mieux \u00e9quip\u00e9s pour naviguer dans la conformit\u00e9 et contrer les fraudes aux soins de sant\u00e9.<\/p><div class=\"bg-color video-align-right\"><div class=\"container\"><div class=\"row video-align-left\"><div class=\"col-md-12\"><div class=\"video-align-left row box box--4 box--mini\"><div class=\"col-md-3\"><\/div><div class=\"col-md-8 box-img-wrapper\"><div class=\"video-box\"><\/div><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"content-more\"><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/section>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-conclusion\">Conclusion<\/h2>\n\n\n\n<p>En 2025, sous l&#8217;effet des pressions macro\u00e9conomiques, les assureurs sant\u00e9 cherchent \u00e0 adapter leurs mod\u00e8les op\u00e9rationnels. Pour rester comp\u00e9titifs et r\u00e9pondre aux attentes \u00e9volutives des assur\u00e9s, les assureurs devront :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Prioriser les partenariats strat\u00e9giques pour permettre une expertise sp\u00e9cialis\u00e9e, rationaliser les prestations de soins personnalis\u00e9s et moderniser leur back-office.<\/li>\n\n\n\n<li>Int\u00e9grer une gouvernance pour piloter les usages del&#8217;IA et \u00eatre pro-actifs sur la conformit\u00e9 r\u00e9glementaire ; cela permettra aux assureurs d&#8217;att\u00e9nuer les biais, d&#8217;\u00e9viter les p\u00e9nalit\u00e9s financi\u00e8res et de renforcer la confiance des consommateurs.<\/li>\n\n\n\n<li>Faire de l&#8217;innovation produit une priorit\u00e9, travailler en mode it\u00e9ratif gr\u00e2ce \u00e0 des analyses en temps r\u00e9el pour personnaliser leurs offres. L&#8217;int\u00e9gration d&#8217;une s\u00e9curit\u00e9 renforc\u00e9e et de cadres de gestion des risques permettra aux organisations de prot\u00e9ger les donn\u00e9es de sant\u00e9 sensibles et d&#8217;am\u00e9liorer la r\u00e9silience op\u00e9rationnelle face aux cybermenaces.<\/li>\n<\/ul>\n\n\n\n<p>Alors que la concurrence dans le secteur et les pressions du march\u00e9 s&#8217;intensifient, les assureurs sant\u00e9 qui donnent la priorit\u00e9 \u00e0 la transformation digitale et \u00e0 l&#8217;orientation client prendront une longueur d\u2019avance. Ces strat\u00e9gies permettront aux assureurs de surmonter les d\u00e9fis de rentabilit\u00e9 technique, de mieux r\u00e9pondre \u00e0 l&#8217;\u00e9volution des besoins des clients et de favoriser des \u00e9cosyst\u00e8mes de soins de sant\u00e9 collaboratifs, durables et s\u00e9curis\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-transformez-votre-activite-d-assurance-sante-grace-a-l-expertise-de-capgemini\">Transformez votre activit\u00e9 d&#8217;assurance sant\u00e9 gr\u00e2ce \u00e0 l&#8217;expertise de Capgemini<\/h2>\n\n\n\n<p>Capgemini est le partenaire de confiance pour les assureurs qui cherchent \u00e0 tirer parti de technologies avanc\u00e9es pour rester comp\u00e9titifs sur le march\u00e9. Gr\u00e2ce \u00e0 notre expertise et \u00e0 notre exp\u00e9rience en mati\u00e8re de transformation digitale de l&#8217;assurance, notre migration des syst\u00e8mes legacy assist\u00e9e par l&#8217;IA modernise les syst\u00e8mes legacy afin d&#8217;exploiter les donn\u00e9es et de favoriser l\u2019efficience op\u00e9rationnelle.<\/p>\n\n\n\n<p>Nos solutions compl\u00e8tes de clients intelligents, de RH et d&#8217;op\u00e9rations financi\u00e8res et comptables permettent aux assureurs sant\u00e9 de renforcer la s\u00e9curit\u00e9 et la conformit\u00e9, de stimuler une croissance durable et de constituer des \u00e9quipes d&#8217;assurance r\u00e9silientes et performantes.<\/p>\n\n\n\n<p>Lib\u00e9rez tout le potentiel de votre entreprise gr\u00e2ce \u00e0 la <a href=\"https:\/\/www.capgemini.com\/fr-fr\/secteurs\/assurance\/\">transformation digitale de l&#8217;assurance<\/a> de Capgemini, leader du secteur. Contactez-nous d\u00e8s aujourd&#8217;hui pour d\u00e9couvrir comment nous pouvons vous aider \u00e0 \u00eatre leader dans le paysage \u00e9volutif de l&#8217;assurance sant\u00e9.<\/p>\n\n\n\n<div class=\"wp-block-cg-blocks-autocloud-form undefined autocloudform\"><div class=\"section--autoCloud-form\"><div class=\"wrapperAutoCloudSection\" id=\"linkToForm\"><div class=\"container\"><div class=\"row\"><div class=\"col-md-12 col-lg-6 left-img align-self-center escaper-left\"><\/div><div class=\"col-md-12 \"><div class=\"autoCloudForm\"><h3 class=\"formHelpText\">Contactez-nous<\/h3>\t\t<div class=\"mf_forms__container \">\n\t\t\t\t\t\t\t\t<form id=\"mf_form_772966_4268336745\" class=\"mf_form__form row needs-validation\" action=\"\" method=\"post\" enctype=\"multipart\/form-data\" data-nosnippet>\n\n\t\t\t\t<div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_729746_5053_2850847531\" name=\"_mf_729746_5053\" placeholder=\"Pr\u00e9nom\" required \/><label for=\"_mf_729746_5053_2850847531\" class=\"form-label\">Pr\u00e9nom <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Pr\u00e9nom n&#039;est pas valide<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_729746_9577_2434304704\" name=\"_mf_729746_9577\" placeholder=\"Nom\" required \/><label for=\"_mf_729746_9577_2434304704\" class=\"form-label\">Nom <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Nom n&#039;est pas valide<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"email\" class=\"form-control\" id=\"_mf_729746_5066_837172589\" name=\"_mf_729746_5066\" placeholder=\"Email\" required \/><label for=\"_mf_729746_5066_837172589\" class=\"form-label\">Email <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Email n&#039;est pas valide<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_729746_5511_3846828019\" name=\"_mf_729746_5511\" placeholder=\"Entreprise\" required \/><label for=\"_mf_729746_5511_3846828019\" class=\"form-label\">Entreprise <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Entreprise n&#039;est pas valide<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_729746_8443_655619943\" name=\"_mf_729746_8443\" placeholder=\"Fonction\" required \/><label for=\"_mf_729746_8443_655619943\" class=\"form-label\">Fonction <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Fonction n&#039;est pas valide<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_729746_4975_1826415181\" name=\"_mf_729746_4975\" placeholder=\"Pays\" required \/><label for=\"_mf_729746_4975_1826415181\" class=\"form-label\">Pays <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Pays n&#039;est pas valide<\/div><\/div><div class=\"mf-field-wrapper form-floating col-sm-12\"><input type=\"text\" class=\"form-control\" id=\"_mf_772827_9445_1763369219\" name=\"_mf_772827_9445\" placeholder=\"Commentaires\" required \/><label for=\"_mf_772827_9445_1763369219\" class=\"form-label\">Commentaires <span class=\"star-required\">*<\/span><\/label><div class=\"invalid-feedback-frm\" role=\"alert\">Commentaires n&#039;est pas valide<\/div><\/div><div class=\"mf-field-wrapper  col-sm-12\">\n\t\t<div class=\"form-check checkbox-controls\">\n\n\t\t\t<input type=\"checkbox\" id=\"_mf_729746_8695_1689990442\" class=\"form-check-input\"\n\t\t\t\tname=\"_mf_729746_8695[]\"\n\t\t\t\tvalue=\"1\"\n\t\t\t\trequired\n\t\t\t>\n\n\t\t\t<label for=\"_mf_729746_8695_1689990442\" class=\"form-check-label consent-text\">\n\t\t\t\tJe consens \u00e0 ce que mes donn\u00e9es soient utilis\u00e9es \u00e0 des fins de marketing et communication, comme d\u00e9crit dans notre <a href=\"https:\/\/www.capgemini.com\/fr-fr\/charte-de-protection-des-donnees-personnelles\/\" \/>Politique li\u00e9e aux donn\u00e9es personnelles<\/a>.  &nbsp;\t\t\t<\/label>\n\n\t\t<\/div>\n\t\t<\/div>\t\t\t<div class=\"mf_field mf_field--recaptcha\">\n\t\t\t\t<div class=\"g-recaptcha\" data-sitekey=\"6Lc3OpIUAAAAADY4ErEHF0HF6Tr7vuknduDU-fbl\"><\/div>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t<div class=\"mf_field mf_field--submit\" >\n\t\t\t\t<div class=\"slide-button-background button-background\">\n\t\t\t\t\t<label for=\"slider-submit-_mf_729746_1129\" class=\"slide-text\">\n\t\t\t\t\t\tFaire glisser\t\t\t\t\t<\/label>\n\t\t\t\t\t<input\n\t\t\t\t\t\tid=\"slider-submit-_mf_729746_1129\"\n\t\t\t\t\t\ttype=\"range\"\n\t\t\t\t\t\tclass=\"mf_field__input slider-frm-btn\"\n\t\t\t\t\t\trel=\"_mf_729746_1129\"\n\t\t\t\t\t\tmin=\"0\"\n\t\t\t\t\t\tmax=\"100\"\n\t\t\t\t\t\tvalue=\"0\"\n\t\t\t\t\t\taria-label=\"Slide to submit\"\n\t\t\t\t\t\taria-describedby=\"slide-instruction-_mf_729746_1129\"\n\t\t\t\t\t\taria-valuenow=\"0\"\n\t\t\t\t\t\taria-valuemin=\"0\"\n\t\t\t\t\t\taria-valuemax=\"100\"\n\t\t\t\t\t\taria-orientation=\"horizontal\"\n\t\t\t\t\t\trole=\"slider\"\n\t\t\t\t\t\ttabindex=\"0\"\n\t\t\t\t\t\/>\n\t\t\t\t\t<span id=\"slide-instruction-_mf_729746_1129\" class=\"sr-only\">\n\t\t\t\t\t\tUtilisez les fl\u00e8ches droite pour faire d\u00e9filer ou faites glisser vers la droite avec votre doigt. Lorsque vous atteignez 100 %, le formulaire est envoy\u00e9.\t\t\t\t\t<\/span>\n\t\t\t\t\t<!-- Mobile-only submit button fallback -->\n\t\t\t\t\t<button type=\"submit\" class=\"mf-mobile-submit-btn\" disabled>\n\t\t\t\t\t\t<span class=\"sr-only\">Si vous utilisez un lecteur d\u2019\u00e9cran ou VoiceOver, appuyez deux fois sur ce bouton pour envoyer le formulaire.<\/span>\n\t\t\t\t\t\tFaire glisser\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Faire glisser\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Valider\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"772966\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"top-trends-2025-assurance-sant%c3%a9\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"ed3fae7ca0\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"_mf_729746_8695\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\t<br><br><br><br><br><br><br><br><h2>Merci ! Nous avons bien re\u00e7u votre formulaire, un expert vous contactera prochainement.<\/h2><br><br><br><br><br><br><br><br><\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>D\u00e9sol\u00e9, la soumission du formulaire a \u00e9chou\u00e9. Merci de r\u00e9essayer.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG772966 = {\"772966\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div><\/div><\/div><\/div><\/section>\n\n\n\n<section class=\"section section--expert-slider wrapper-people-slider wp-block-cg-blocks-wrapper-people-slider undefined\"><div class=\"container\"><div class=\"content-title\"><h2 data-maxlength=\"34\" class=\"people-heading-title\">Rencontrez nos experts<\/h2><\/div><\/div><div class=\"slider slider-boxed\"><div class=\"container\"><div class=\"slider-window\"><div class=\"slider-list\">\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/04\/NewPic-Thierry-Loras-FS-2.jpg\" alt=\"Thierry Loras\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/thierryloras\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Thierry Loras<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Head of Insurance Practice for Continental Europe, Capgemini<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/thierryloras\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Dipl\u00f4m\u00e9 d\u2019un Mast\u00e8re de strat\u00e9gie et management IT \u00e0 ESCP Europe en 1994, Thierry d\u00e9bute sa carri\u00e8re chez Accenture avant de rejoindre AXA en 2005 o\u00f9 il occupera des postes de Directeur de programme, Directeur des syst\u00e8mes Finance, Risk, Investissement et Achats pour le groupe et DSI de la ligne de m\u00e9tier Vie-\u00e9pargne-pr\u00e9voyance jusqu\u2019en 2018. En 2018, Thierry int\u00e8gre Capgemini FS en tant que Vice President en charge de la Practice Assurance pour la France avant d\u2019\u00e9tendre son p\u00e9rim\u00e8tre sur l\u2019Europe Continentale. Thierry met son exp\u00e9rience de delivery, de management et du monde de l\u2019Assurance au service de la transformation m\u00e9tier, digitale, et data de nos clients du secteur.\u00a0<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\n\n\t\t<div class=\"slide\">\n\t\t\t<div class=\"box\">\n\t\t\t\t<div class=\"row\">\n\t\t\t\t\t<div class=\"col-md-6 col-lg-4 box-img-wrapper\">\n\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.capgemini.com\/fr-fr\/wp-content\/uploads\/sites\/6\/2022\/04\/elias-ghanem_new-1.jpg\" alt=\"Elias Ghanem\"\/>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div class=\"col-md-6 col-lg-8 box-inner\">\n\t\t\t\t\t\t<div class=\"row title-social-media-header\">\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 mbl-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/eliasghanemfintech\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 box-container\">\n\t\t\t\t\t\t\t\t<div class=\"box-title\">\n\t\t\t\t\t\t\t\t\t<h3 class=\"people-profile-title\">Elias Ghanem<\/h3>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span>Global Head of Capgemini Research Institute for Financial Services, Capgemini<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"col-md-12 col-lg-6 social-box-container dkt-social-icon\">\n\t\t\t\t\t\t\t\t<ul class=\"social-nav\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<li><a aria-label=\"Linkedin\" target=\"_blank\" title=\"Ouvrir dans une nouvelle fen\u00eatre\" href=\"https:\/\/www.linkedin.com\/in\/eliasghanemfintech\/\"><i aria-hidden=\"true\" class=\"icon-li\"><\/i><\/a><\/li>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"people-info\">Elias\u00a0est le\u00a0Directeur mondial du Capgemini Research Institute pour le secteur financier. Il est responsable des publications, positionnement et prise de parole du groupe quant \u00e0 l\u2019\u00e9volution du secteur financier. Elias est un\u00a0expert en paiements, avec plus de 20 ans d&#8217;exp\u00e9rience chez\u00a0VISA,\u00a0PayPal\u00a0et\u00a0Telr, une PayTech qu\u2019il a co-fond\u00e9e en 2013. Il est un expert, un conf\u00e9rencier, un blogueur et un conseiller pour les CXO de la banque priv\u00e9e, banque de d\u00e9tail et de paiements.<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div><div class=\"slider-nav\"><button class=\"slider-prev inactive\" aria-label=\"Curseur pr\u00e9c\u00e9dent\" tabindex=\"-1\"><\/button><ul class=\"slider-paginator\"><\/ul><button class=\"slider-next\" aria-label=\"Curseur suivant\"><\/button><\/div><\/div><\/section>\n\n\n\n\t\t<section\n\t\t\tclass=\"section section--lifeatcap-learning section--event-slider-careerInvent \">\n\n\t\t\t<div class=\"container\">\n\t\t\t\t<div class='career-invent-header'>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"slider slider-fader fde937bc-2c0e-4d93-98cf-ee1174883655\">\n\t\t\t\t\t\t\t\t<div\n\t\t\t\t\tclass=\"slider-list \">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\tclass=\"slide active \">\n\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\tclass=\"slide-bg-wrapper wp-block-cg-blocks-career-invent is-style-sapphire1\">\n\t\t\t\t\t\t\t\t<div class=\"bgImagesection\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"container slide-info-wrapper\">\n\t\t\t\t\t\t\t\t\t\t<div class=\"row\">\n\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\tclass=\"col-md-6 col-sm-12 box-inner \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"bgColor\"><\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"content-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"explore-header\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"68\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Top trends 2025 - Assurance\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tTop trends 2025 &#8211; Assurance\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tclass=\"box-title \">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<h4 data-maxlength=\"144\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Explorez notre s\u00e9rie de cahier de tendances pour comprendre les \u00e9volutions du secteur de l'assurance.\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tstyle=\"white-space: pre-wrap;\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tExplorez notre s\u00e9rie de cahier de tendances pour comprendre les \u00e9volutions du secteur de l&#8217;assurance.\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/h4>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div >\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"btnDiv\"> <a class=\"more2\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tdata-maxlength=\"24\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\taria-label=\"En savoir plus A propos Top trends 2025 - Assurance\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttitle=\"Opens in new window\" tabindex=\"0\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\thref=\"https:\/\/www.capgemini.com\/fr-fr\/perspectives\/publications\/top-trends-2025-assurance\/\"\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\ttarget=\"\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\tEn savoir plus\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/a> <\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\n\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"col-md-6 col-sm-12 text-right box-img-wrapper escaper 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Lorsque vous atteignez 100 %, le formulaire est envoy\u00e9.\t\t\t\t\t<\/span>\n\t\t\t\t\t<!-- Mobile-only submit button fallback -->\n\t\t\t\t\t<button type=\"submit\" class=\"mf-mobile-submit-btn\" disabled>\n\t\t\t\t\t\t<span class=\"sr-only\">Si vous utilisez un lecteur d\u2019\u00e9cran ou VoiceOver, appuyez deux fois sur ce bouton pour envoyer le formulaire.<\/span>\n\t\t\t\t\t\tSlide to submit\t\t\t\t\t<\/button>\n\t\t\t\t<\/div>\n\t\t\t\t<input type=\"hidden\" name=\"submit_btn_txt\" class=\"submit_btn_txt\" value=\"Slide to submit\"\/>\n\t\t\t\t<input type=\"hidden\" name=\"submitted_state_txt\" class=\"submitted_state_txt\" value=\"Submitted\"\/>\n\t\t\t<\/div>\n\t\t\t\t\t\t<input type=\"hidden\" name=\"form_id\" data-validate=\"number\" class=\"mf_form__id\" value=\"722015\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"form_title\" class=\"mf_form__title\" value=\"fs-world-reports\" \/>\n\t\t\t\t<input type=\"hidden\" name=\"wp_rest_nonce\" class=\"mf_form__wp_rest_nonce\" value=\"ed3fae7ca0\" \/>\n\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_conditional_logic\" class=\"mf_form__title conditional_logic\" value=\"\" \/>\n\t\t\t\t\n\t\t\t\t<input type=\"hidden\" name=\"mf_form_fields_country_dpo_field\" class=\"mf_form__title conditional_logic mf_form_fields_country_dpo_field\" value=\"\" \/>\n\n\t\t\t\t<!-- Anti-spam field -->\n\t\t\t\t<input type=\"text\" \n\t\t\t\t\tname=\"website_url\" \n\t\t\t\t\tclass=\"mf_field__url\" \n\t\t\t\t\tautocomplete=\"off\"\n\t\t\t\t\ttabindex=\"-1\"\n\t\t\t\t\taria-hidden=\"true\"\n\t\t\t\t\tstyle=\"position:absolute;left:-9999px;width:1px;height:1px;opacity:0;pointer-events:none;\" \n\t\t\t\t\/>\n\t\t\t<\/form>\n\n\t\t\t<div class=\"mf_form__success\" tabindex=\"0\" role=\"alert\">\n\t\t\t\tBonjour, merci de l'int\u00e9r\u00eat que vous portez \u00e0 nos World Reports. Nous avons bien pris en compte votre abonnement.<\/p>\n\t\t\t<\/div>\n\t\t\t<div class=\"mf_form__errors\">\n\t\t\t\t<p>D\u00e9sol\u00e9, la soumission du formulaire a \u00e9chou\u00e9. Merci de r\u00e9essayer.<\/p>\n\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\t\t<script>\n\t\t\twindow.MF_CONFIG722015 = {\"722015\":{\"errors\":[],\"redirect\":\"\"}};\n\t\t<\/script>\n\t<\/div><\/div><\/div><\/div><\/div><\/div><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Les tendances du secteur de l&#8217;assurance san\u00e9 pour 2025 mettent l&#8217;accent sur la transformation technologique, l&#8217;am\u00e9lioration de la s\u00e9curit\u00e9 et des mod\u00e8les de couverture innovants pour r\u00e9pondre aux demandes des assur\u00e9s.<\/p>\n","protected":false},"author":440,"featured_media":772962,"template":"","meta":{"cg_dt_proposed_to":[21,46,41],"cg_seo_hreflang_relations":"[]","cg_seo_canonical_relation":"","cg_seo_hreflang_x_default_relation":"{\"uuid\":\"c4d8e7ee-eef2-4539-bcf0-779e054482fe\",\"blogId\":\"\",\"domain\":\"\",\"sitePath\":\"\",\"postLink\":\"\",\"postId\":null,\"isSaved\":true,\"isCrossLink\":false,\"hasCrossLink\":false}","cg_dt_approved_content":true,"cg_dt_mandatory_content":false,"cg_dt_notes":"","cg_dg_source_changed":true,"cg_dt_link_disabled":true,"footnotes":"","related_resource_url":"","related_resource_id":0,"related_resource_size":"","related_resource_type":"","cg_author":0,"_yoast_wpseo_primary_theme":59,"primary_term":"Services 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