{"id":8233,"date":"2023-09-12T09:05:04","date_gmt":"2023-09-12T07:05:04","guid":{"rendered":"https:\/\/apcal.lu\/fr\/?p=8233"},"modified":"2023-09-18T09:00:00","modified_gmt":"2023-09-18T07:00:00","slug":"legislatives-2023","status":"publish","type":"post","link":"https:\/\/apcal.lu\/fr\/legislatives-2023\/","title":{"rendered":"L\u00e9gislatives 2023"},"content":{"rendered":"

[et_pb_section fb_built=\u00a0\u00bb1″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_row _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_column type=\u00a0\u00bb4_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/09\/legislative-2023-apcal.png\u00a0\u00bb alt=\u00a0\u00bbL\u00e9gislative 2023 Apcal\u00a0\u00bb title_text=\u00a0\u00bbjournee-courtage-apcal-960×593″ _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][et_pb_text admin_label=\u00a0\u00bbH1″ _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_text_color=\u00a0\u00bb#55547D\u00a0\u00bb header_line_height=\u00a0\u00bb1.2em\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

En vue des L\u00e9gislatives 2023, l’APCAL souhaite mettre en avant quatre principes fondamentaux qui guident son action et sa perspective.<\/h2>\n

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Ces 4 principes sont :\u00a0<\/p>\n

    \n
  1. Le s<\/span>outien aux analyses et appels de l\u2019ACA<\/li>\n
  2. La <\/span>protection des droits des consommateurs\u00a0<\/li>\n
  3. La <\/span>protection du m\u00e9tier du courtier en assurances<\/li>\n
  4. La promotion de <\/span>la formation professionnelle\u00a0<\/li>\n<\/ol>\n

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    1er principe<\/b><\/span><\/h5>\n

    Le s<\/b><\/span>outien aux analyses et appels de l\u2019ACA<\/b><\/h2>\n

    L\u2019ACA, en vue des l\u00e9gislatives d\u00e9fend depuis quelques temps 9 sujets clefs aux partis politiques et aux candidats aux \u00e9lections afin que le secteur conserve son attractivit\u00e9 et son dynamisme.<\/span><\/p>\n

     <\/p>\n

      \n
    1. Le secret professionnel<\/strong>: pr\u00e9voir dans certains domaines un assouplissement de l\u2019application du secret professionnel de l\u2019assureur (L)<\/li>\n
    2. Attirer de nouveaux talents <\/b>dans le secteur de l\u2019assurance: rapprocher l\u2019offre scolaire avec les besoins du secteur(L)<\/li>\n
    3. Mitiger au maximum la sur r\u00e9glementation<\/b>: transposer les Directives europ\u00e9ennes dans les d\u00e9lais et sans goldplating au niveau national(L)<\/li>\n
    4. R\u00e9gulateur d\u00e9di\u00e9:<\/b> maintenir un r\u00e9gulateur sp\u00e9cialis\u00e9 au fait des m\u00e9tiers de la (r\u00e9)assurance(L)<\/li>\n
    5. Modernisation du r\u00e9gime de la pension ( 2<\/b>i\u00e8me<\/sup><\/b><\/span> et 3<\/b>i\u00e8me<\/sup><\/b><\/span> pillier ) <\/b>: mise en place d\u2019un produit de pension luxembourgeois durable(L)<\/li>\n
    6. Assurance auto<\/b>: mettre en place des mesures efficaces pour lutter contre la non-assurance(L)<\/li>\n
    7. Assurance maladie compl\u00e9mentaire<\/b>: r\u00e9tablir des conditions de concurrence \u00e9quitables et transparentes.(L)<\/li>\n
    8. Libre prestation de service<\/b>: promouvoir et d\u00e9fendre ce principe au niveau europ\u00e9en, et maintenir la supervision par le r\u00e9gulateur du pays d’origine (EU) 🇪🇺<\/span><\/li>\n
    9. R\u00e9putation internationale: <\/b>maintenir et renforcer les actions de promotion de notre secteur<\/li>\n<\/ol>\n

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      2\u00e8me principe<\/b><\/span><\/h5>\n

      La <\/b><\/span>protection des droits des consommateurs\u00a0<\/b><\/h2>\n

      Aplanir les contraintes pour les Courtiers Locaux :<\/h3>\n

      Assurer l\u2019acc\u00e8s au conseil impartial offert par le courtier en assurances : la loi pr\u00e9voit une comparaison objective de plusieurs offres pour r\u00e9pondre \u00e0 l\u2019exigence de conseil impartial. Or cela devient de plus en plus difficile pour le courtier local d\u2019obtenir pour l\u2019offre d\u2019assurance de base une relation ouverte avec suffisamment d\u2019assureurs de la place car il y a d\u2019une part p\u00e9nurie d\u2019offre pour certains risques et d\u2019autrepart p\u00e9nurie d\u2019assureurs qui acceptent de couvrir\u00a0 <\/span>le march\u00e9 local via le mod\u00e8le de distribution du courtier ind\u00e9pendant.<\/p>\n

      Garantir une Offre d’Assurance Ad\u00e9quate et \u00e9volutive<\/h3>\n

      Assurer suffisamment d’offres pour les couvertures de base qui r\u00e9pondent aux besoins \u00e9volutifs de la client\u00e8le. En effet les risques \u00e9voluent \u00e0 grande vitesse et des lacunes se sont cr\u00e9\u00e9es en mati\u00e8re de comp\u00e9titivit\u00e9 de l\u2019offre, surtout pour les PME et risques industriels<\/p>\n

      D\u00e9finir les besoins particuliers des ind\u00e9pendants<\/h3>\n

      Assurer l\u2019acc\u00e8s \u00e0 une offre en r\u00e9gime compl\u00e9mentaire pour les TNS et entreprise commerciales unipersonnelles<\/p>\n

      Appliquer une concurrence \u00e9quitable<\/h3>\n

      Assurer une offre suffisante en assurance sant\u00e9 compl\u00e9mentaire sur base d\u2019un level playing field entre op\u00e9rateurs autoris\u00e9s.<\/p>\n

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      3\u00e8me principe<\/b><\/span><\/h5>\n

      La <\/span>protection du m\u00e9tier du courtier en assurances<\/h2>\n

      Harmoniser les conditions d\u2019acc\u00e8s au m\u00e9tier<\/h3>\n

      (Re) cr\u00e9er un level playing field avec les pays environnants en mati\u00e8re de conditions d\u2019acc\u00e8s au m\u00e9tier : se satisfaire des conditions europ\u00e9ennes et r\u00e9duire au maximum les exigences compl\u00e9mentaires impos\u00e9es par la l\u00e9gislation locale afin d\u2019\u00e9viter la d\u00e9localisation de l\u2019activit\u00e9 en LPS.<\/p>\n

      Faciliter l\u2019innovation technologique<\/h3>\n

      Minimiser les barri\u00e8res juridiques locales qui entravent les opportunit\u00e9s offertes pas l\u2019innovation technologique ( ex: secret professionnel et t\u00e9l\u00e9travail transfrontalier) et soutenir l\u2019investissement dans les nouvelles technologies par une incitation financi\u00e8re.<\/p>\n

      Favoriser et renforcer le mod\u00e8le LPS<\/h3>\n

      D\u00e9fendre au niveau Europ\u00e9en le mod\u00e8le de LPS en distribution d\u2019assurances et promouvoir un cadre de conformit\u00e9 et de contr\u00f4le adapt\u00e9 au profil de risque du cabinet de courtage.<\/p>\n

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      4\u00e8me principe<\/b><\/span><\/h5>\n

      La promotion de la formation professionnelle<\/h2>\n

      Soutien Financier pour l’\u00c9ducation, l’Expansion et l’Emploi dans le Secteur de l’Assurance<\/h3>\n

      L\u2019APCAL joue un r\u00f4le important dans cette dynamique en favorisant l\u2019\u00e9change d\u2019information entre les courtiers, les assureurs et les diff\u00e9rents intervenants du secteur, renfor\u00e7ant ainsi la collaboration au sein de l\u2019industrie et agissant comme un v\u00e9ritable facilitateur d\u2019\u00e9change entre les partenaires de l\u2019assurance. En favorisant la collaboration et les normes de professionnalisme, l\u2019APCAL renforce l’efficacit\u00e9 du m\u00e9tier et contribue ainsi \u00e0 maintenir la comp\u00e9titivit\u00e9 du secteur par:<\/p>\n

      <\/span>L\u2019\u00c9ducation continue<\/h3>\n

      En investissant dans l\u2019\u00e9ducation continue, les courtiers restent au fait des derni\u00e8res \u00e9volutions de l\u2019industrie de l\u2019assurance. Cela leur permet de mieux servir leurs clients et de maintenir la comp\u00e9titivit\u00e9 du secteur luxembourgeois de l\u2019assurance \u00e0 l\u2019\u00e9chelle europ\u00e9enne. Un secteur du courtage comp\u00e9titif contribue \u00e0 l\u2019activit\u00e9 \u00e9conomique locale, \u00e0 la cr\u00e9ation d\u2019emplois et aux revenus de l\u2019Etat. Un soutien financier aiderait les employeurs \u00e0 assurer la formation continue des employ\u00e9s. \u00a0<\/span><\/p>\n

      <\/span>L\u2019investissement dans la Rel\u00e8ve Professionnelle<\/h3>\n

      Le recrutement de jeunes talents est crucial pour l’avenir du secteur de l’assurance. En attirant de jeunes professionnels par le biais de programmes de stage, le secteur s’assure une rel\u00e8ve comp\u00e9tente et diversifi\u00e9e. Cela contribue \u00e0 garantir que le secteur de l’assurance reste dynamique et pertinent \u00e0 long terme. Un soutien financier aux employeurs pour le recrutement et la formation continue de jeunes talents permettrait de promouvoir davantage l\u2019investissement dans la rel\u00e8ve professionnelle.<\/p>\n

      <\/span>Soutien aux Associations Professionnelles<\/h3>\n

      Le financement des associations professionnelles dont l\u2019APCAL fait partie est essentiel pour leur permettre d’organiser des programmes de formation continue de qualit\u00e9, de mettre en place des r\u00e9seaux de distribution efficaces et de promouvoir le recrutement de jeunes talents. Ces associations jouent un r\u00f4le central dans la promotion du secteur et dans la mise en place de normes \u00e9lev\u00e9es de professionnalisme.<\/p>\n

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      Site web de l’ACA : \u00a0l\u00e9gislative 2023<\/a><\/p>\n

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      Sponsors Platinium<\/h3>\n

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      Sponsors Gold<\/h3>\n

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_builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_image src=\u00a0\u00bbhttps:\/\/apcal.lu\/wp-content\/uploads\/2023\/02\/lalux-luxembourg.png\u00a0\u00bb alt=\u00a0\u00bbLalux Luxembourg\u00a0\u00bb url=\u00a0\u00bbhttps:\/\/www.lalux.lu\/fr\u00a0\u00bb align=\u00a0\u00bbcenter\u00a0\u00bb admin_label=\u00a0\u00bbLalux\u00a0\u00bb _builder_version=\u00a0\u00bb4.20.4″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb border_radii=\u00a0\u00bbon|5px|5px|5px|5px\u00a0\u00bb box_shadow_style=\u00a0\u00bbpreset3″ global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][\/et_pb_image][\/et_pb_column][et_pb_column type=\u00a0\u00bb1_4″ _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb 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_builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb][et_pb_text admin_label=\u00a0\u00bbSilver\u00a0\u00bb _builder_version=\u00a0\u00bb4.16″ _module_preset=\u00a0\u00bbdefault\u00a0\u00bb header_3_text_align=\u00a0\u00bbcenter\u00a0\u00bb header_3_font_size=\u00a0\u00bb20px\u00a0\u00bb custom_margin=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb custom_padding=\u00a0\u00bb0px|0px|0px|0px|false|false\u00a0\u00bb global_colors_info=\u00a0\u00bb{}\u00a0\u00bb]<\/p>\n

      Sponsors Silver<\/h3>\n

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      Sponsor de l\u2019\u00e9v\u00e8nement<\/b><\/span><\/h3>\n

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      En vue des L\u00e9gislatives 2023, l’APCAL souhaite mettre en avant quatre principes fondamentaux qui guident son action et sa perspective.Ces 4 principes sont :\u00a0 Le soutien aux analyses et appels de l\u2019ACA La protection des droits des consommateurs\u00a0 La protection du m\u00e9tier du courtier en assurances La promotion de la formation professionnelle\u00a0 1er principe Le […]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":true,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[25],"tags":[],"class_list":["post-8233","post","type-post","status-publish","format-standard","hentry","category-apcal"],"yoast_head":"\nL\u00e9gislatives 2023 - Apcal<\/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:\/\/apcal.lu\/fr\/legislatives-2023\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"L\u00e9gislatives 2023 - 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