{"id":25684,"date":"2026-03-31T12:48:03","date_gmt":"2026-03-31T01:48:03","guid":{"rendered":"https:\/\/www.mdf.nc\/preprod\/?p=25684"},"modified":"2026-06-09T14:11:27","modified_gmt":"2026-06-09T03:11:27","slug":"a-quoi-sert-une-complementaire-sante","status":"publish","type":"post","link":"https:\/\/www.mdf.nc\/preprod\/a-quoi-sert-une-complementaire-sante\/","title":{"rendered":"A quoi sert une compl\u00e9mentaire sant\u00e9 ?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"25684\" class=\"elementor elementor-25684\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-766371b e-flex e-con-boxed e-con e-parent\" data-id=\"766371b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-baad4f6 e-con-full e-flex e-con e-child\" data-id=\"baad4f6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-ef8a33a e-con-full e-flex e-con e-child\" data-id=\"ef8a33a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e21ed2e elementor-widget elementor-widget-text-editor\" data-id=\"e21ed2e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>En Nouvelle-Cal\u00e9donie, la CAFAT assure une protection sant\u00e9 centr\u00e9e principalement sur les situations lourdes comme les hospitalisations de longue dur\u00e9e ou Evasan, les actes de chirurgies complexes, la longue maladie, la maternit\u00e9 ou les accidents du travail.<\/p><div><p>Pour les soins du quotidien (consultations, pharmacie, analyses, radiologie, lunette&#8230;) les remboursements restent partiels, voire inexistants pour certains actes.<\/p><p>C\u2019est dans ce contexte que la compl\u00e9mentaire sant\u00e9 intervient : en couvrant mieux les frais de sant\u00e9, elle permet d&#8217;\u00e9viter les restes \u00e0 charge qui peuvent vite devenir un frein \u00e0 l&#8217;acc\u00e8s aux soins.<\/p><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f04b59d e-con-full e-flex e-con e-child\" data-id=\"f04b59d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-946fe62 elementor-widget elementor-widget-text-editor\" data-id=\"946fe62\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Pourquoi une compl\u00e9mentaire sant\u00e9 est-elle indispensable ?<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-25cd2ee elementor-widget elementor-widget-text-editor\" data-id=\"25cd2ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Imaginez : une mauvaise grippe vous cloue au lit.<\/p><p>Vous consultez votre m\u00e9decin g\u00e9n\u00e9raliste, qui vous prescrit des m\u00e9dicaments.<\/p><p>Dans cet exemple, la CAFAT prend en charge 40 % des frais.<\/p><p>Et le reste ?<\/p><p>C\u2019est l\u00e0 qu\u2019intervient la compl\u00e9mentaire sant\u00e9.<\/p><p>Avec la MDF, les 60 % non rembours\u00e9s par la CAFAT sont couverts.<\/p><p>R\u00e9sultat : vous pouvez vous concentrer sur l\u2019essentiel\u2026 votre r\u00e9tablissement.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea7e48e e-con-full e-flex e-con e-child\" data-id=\"ea7e48e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7fc7201 elementor-widget elementor-widget-text-editor\" data-id=\"7fc7201\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Qui a besoin d\u2019une compl\u00e9mentaire sant\u00e9 ?<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-202a74e elementor-widget elementor-widget-text-editor\" data-id=\"202a74e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Tout le monde.<\/strong><br \/>Parce que chacun, \u00e0 un moment ou \u00e0 un autre, aura besoin de soins dont le co\u00fbt peut d\u00e9passer les remboursements de la CAFAT.<\/p><p><strong>Exemples selon les profils :<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-77ebaf1 e-grid e-con-full e-con e-child\" data-id=\"77ebaf1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8f53df9 elementor-widget elementor-widget-text-editor\" data-id=\"8f53df9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Les jeunes<\/strong><\/p><ul><li>Une hospitalisation impr\u00e9vue<\/li><li>Des lunettes qui co\u00fbtent ch\u00e8res<\/li><li>Des soins dentaires<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b02c036 elementor-widget elementor-widget-text-editor\" data-id=\"b02c036\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Les familles<\/strong><\/p><ul><li>Soins courants<\/li><li>Orthodontie<\/li><li>Ost\u00e9opathie\u00a0<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6191c7e elementor-widget elementor-widget-text-editor\" data-id=\"6191c7e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>\u00a0Les seniors<\/strong><\/p><ul><li>Suivi accru de l\u2019\u00e9tat de sant\u00e9<\/li><li>Proth\u00e8ses dentaires et lunettes\u00a0<\/li><li>Audioproth\u00e8se<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8543067 e-con-full e-flex e-con e-child\" data-id=\"8543067\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-237d513 elementor-widget elementor-widget-text-editor\" data-id=\"237d513\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Un investissement mensuel\u2026 pour une grande tranquillit\u00e9 d\u2019esprit<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26b87cf elementor-widget elementor-widget-text-editor\" data-id=\"26b87cf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Souscrire une compl\u00e9mentaire sant\u00e9, c\u2019est choisir de <strong>cotiser un montant chaque mois<\/strong> pour \u00eatre prot\u00e9g\u00e9 en cas de coup dur.<br>Mais c\u2019est aussi participer \u00e0 un syst\u00e8me fond\u00e9 sur la <strong>solidarit\u00e9<\/strong> : chacun contribue pour que tous puissent acc\u00e9der aux soins, au moment o\u00f9 ils en ont besoin.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-137dc3b e-con-full e-flex e-con e-child\" data-id=\"137dc3b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-13dd940 elementor-widget elementor-widget-text-editor\" data-id=\"13dd940\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h5><strong>Comment bien choisir votre compl\u00e9mentaire sant\u00e9 ?<\/strong><\/h5>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7807a0f elementor-widget elementor-widget-text-editor\" data-id=\"7807a0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Choisir une compl\u00e9mentaire sant\u00e9, c\u2019est comme comparer des forfaits mobiles : tout d\u00e9pend de ce dont vous avez besoin au quotidien.<\/p><p>Voici 4 \u00e9l\u00e9ments \u00e0 comparer :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f0ec4f7 e-grid e-con-full e-con e-child\" data-id=\"f0ec4f7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-acf60c6 elementor-widget elementor-widget-text-editor\" data-id=\"acf60c6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>1.Les garanties<\/strong><\/p>\n<ul>\n<li>hospitalisation<\/li>\n<li>consultations, m\u00e9dicaments<\/li>\n<li>actes (ou frais) dentaires et frais d&#8217;optiques<\/li>\n<li>prestations sp\u00e9cifiques (ost\u00e9opathie, suivi psychologique, suivi di\u00e9t\u00e9tique&#8230;)<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-cf37bb9 elementor-widget elementor-widget-text-editor\" data-id=\"cf37bb9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>2. Les tarifs<\/strong><br \/>Un contrat adapt\u00e9 doit \u00e9quilibrer co\u00fbt mensuel et niveau de protection.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-02c1b3c elementor-widget elementor-widget-text-editor\" data-id=\"02c1b3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>3.Les services inclus<\/strong><\/p><ul><li>centres m\u00e9dicaux mutualistes<\/li><li>centres dentaires mutualistes<\/li><li>tiers payant<\/li><li>accompagnement administratif<\/li><li>centres d&#8217;h\u00e9bergement<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d073eb4 elementor-widget elementor-widget-text-editor\" data-id=\"d073eb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>4. Votre situation personnelle<\/strong><br \/>Vos besoins de sant\u00e9 varient selon l&#8217;\u00e2ge, la situation familiale, les ant\u00e9c\u00e9dents m\u00e9dicaux.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f4ef88f elementor-align-center elementor-widget elementor-widget-button\" data-id=\"f4ef88f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.mdf.nc\/preprod\/nos-offres\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">D\u00e9couvrir les offres de la MDF<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6f10445 e-con-full e-flex e-con e-child\" data-id=\"6f10445\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-94fc854 elementor-widget elementor-widget-text-editor\" data-id=\"94fc854\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>A retenir<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-224703f elementor-widget elementor-widget-text-editor\" data-id=\"224703f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>La CAFAT prend surtout en charge les situations lourdes<\/strong> (hospitalisation, chirurgie, maternit\u00e9\u2026).\u00a0<\/p><p><strong>Pour les soins du quotidien<\/strong> (consultations, m\u00e9dicaments, analyses\u2026), <strong>les remboursements restent partiels.<\/strong><\/p><p><strong>La compl\u00e9mentaire sant\u00e9 intervient pour compl\u00e9ter et limiter le reste \u00e0 charge.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>En Nouvelle-Cal\u00e9donie, la CAFAT assure une protection sant\u00e9 centr\u00e9e principalement sur les situations lourdes comme les hospitalisations de longue dur\u00e9e ou Evasan, les actes de chirurgies complexes, la longue maladie, la maternit\u00e9 ou les accidents du travail. Pour les soins du quotidien (consultations, pharmacie, analyses, radiologie, lunette&#8230;) les remboursements restent partiels, voire inexistants pour certains [&hellip;]<\/p>\n","protected":false},"author":27,"featured_media":25689,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[379],"tags":[376],"class_list":["post-25684","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-complementaire-sante","tag-a-la-une"],"acf":[],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.mdf.nc\/preprod\/wp-json\/wp\/v2\/posts\/25684","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mdf.nc\/preprod\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mdf.nc\/preprod\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mdf.nc\/preprod\/wp-json\/wp\/v2\/users\/27"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mdf.nc\/preprod\/wp-json\/wp\/v2\/comments?post=25684"}],"version-history":[{"count":20,"href":"https:\/\/www.mdf.nc\/preprod\/wp-json\/wp\/v2\/posts\/25684\/revisions"}],"predecessor-version":[{"id":26287,"href":"https:\/\/www.mdf.nc\/preprod\/wp-json\/wp\/v2\/posts\/25684\/revisions\/26287"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mdf.nc\/preprod\/wp-json\/wp\/v2\/media\/25689"}],"wp:attachment":[{"href":"https:\/\/www.mdf.nc\/preprod\/wp-json\/wp\/v2\/media?parent=25684"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mdf.nc\/preprod\/wp-json\/wp\/v2\/categories?post=25684"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mdf.nc\/preprod\/wp-json\/wp\/v2\/tags?post=25684"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}