{
  "dataset_id": "ordre-franchise-scenarios",
  "version": "1.0",
  "date_checked": "2026-10-09",
  "title": "Seize calculs isolant l’unité et l’ordre de franchise",
  "scope": "Expérience arithmétique sans marque ni cotisation : quatre répartitions fictives des actes et quatre modèles de franchise. Taux de 80 %, franchise initiale de 30 €, plafond initial de 1 500 €, tous les soins admis, pas de carence, option ou sous-limite. Les actes sont distincts et dans la même année. Ce ne sont pas des sinistres observés ni des tarifs de soins.",
  "canonical": "https://www.animaux-assurance.com/observatoire/franchises-assurance-animaux-2026.html#ordre-et-unite",
  "records": [
    {
      "id": "unique-200-avant",
      "scenario": "unique-200",
      "scenario_label": "Un acte de 200 €",
      "model": "avant",
      "model_label": "Année · avant le taux",
      "bills_eur": [
        200
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "annual",
      "order": "before",
      "refund_eur": 136.0,
      "out_of_pocket_eur": 64.0,
      "cap_remaining_eur": 1364.0,
      "ledger": [
        {
          "bill_eur": 200,
          "refund_eur": 136.0,
          "cap_remaining_eur": 1364.0,
          "deductible_taken_eur": 30.0
        }
      ]
    },
    {
      "id": "unique-200-apres",
      "scenario": "unique-200",
      "scenario_label": "Un acte de 200 €",
      "model": "apres",
      "model_label": "Année · après le taux",
      "bills_eur": [
        200
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "annual",
      "order": "after",
      "refund_eur": 130.0,
      "out_of_pocket_eur": 70.0,
      "cap_remaining_eur": 1370.0,
      "ledger": [
        {
          "bill_eur": 200,
          "refund_eur": 130.0,
          "cap_remaining_eur": 1370.0,
          "deductible_taken_eur": 30.0
        }
      ]
    },
    {
      "id": "unique-200-apres-plafond",
      "scenario": "unique-200",
      "scenario_label": "Un acte de 200 €",
      "model": "apres-plafond",
      "model_label": "Année · après le plafond",
      "bills_eur": [
        200
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "annual",
      "order": "after_cap",
      "refund_eur": 130.0,
      "out_of_pocket_eur": 70.0,
      "cap_remaining_eur": 1340.0,
      "ledger": [
        {
          "bill_eur": 200,
          "refund_eur": 130.0,
          "cap_remaining_eur": 1340.0,
          "deductible_taken_eur": 30.0
        }
      ]
    },
    {
      "id": "unique-200-acte",
      "scenario": "unique-200",
      "scenario_label": "Un acte de 200 €",
      "model": "acte",
      "model_label": "Par acte · après le taux",
      "bills_eur": [
        200
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "per_visit",
      "order": "after",
      "refund_eur": 130.0,
      "out_of_pocket_eur": 70.0,
      "cap_remaining_eur": 1370.0,
      "ledger": [
        {
          "bill_eur": 200,
          "refund_eur": 130.0,
          "cap_remaining_eur": 1370.0,
          "deductible_taken_eur": 30.0
        }
      ]
    },
    {
      "id": "quatre-50-avant",
      "scenario": "quatre-50",
      "scenario_label": "Quatre actes de 50 €",
      "model": "avant",
      "model_label": "Année · avant le taux",
      "bills_eur": [
        50,
        50,
        50,
        50
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "annual",
      "order": "before",
      "refund_eur": 136.0,
      "out_of_pocket_eur": 64.0,
      "cap_remaining_eur": 1364.0,
      "ledger": [
        {
          "bill_eur": 50,
          "refund_eur": 16.0,
          "cap_remaining_eur": 1484.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 50,
          "refund_eur": 40.0,
          "cap_remaining_eur": 1444.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 50,
          "refund_eur": 40.0,
          "cap_remaining_eur": 1404.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 50,
          "refund_eur": 40.0,
          "cap_remaining_eur": 1364.0,
          "deductible_taken_eur": 0.0
        }
      ]
    },
    {
      "id": "quatre-50-apres",
      "scenario": "quatre-50",
      "scenario_label": "Quatre actes de 50 €",
      "model": "apres",
      "model_label": "Année · après le taux",
      "bills_eur": [
        50,
        50,
        50,
        50
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "annual",
      "order": "after",
      "refund_eur": 130.0,
      "out_of_pocket_eur": 70.0,
      "cap_remaining_eur": 1370.0,
      "ledger": [
        {
          "bill_eur": 50,
          "refund_eur": 10.0,
          "cap_remaining_eur": 1490.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 50,
          "refund_eur": 40.0,
          "cap_remaining_eur": 1450.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 50,
          "refund_eur": 40.0,
          "cap_remaining_eur": 1410.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 50,
          "refund_eur": 40.0,
          "cap_remaining_eur": 1370.0,
          "deductible_taken_eur": 0.0
        }
      ]
    },
    {
      "id": "quatre-50-apres-plafond",
      "scenario": "quatre-50",
      "scenario_label": "Quatre actes de 50 €",
      "model": "apres-plafond",
      "model_label": "Année · après le plafond",
      "bills_eur": [
        50,
        50,
        50,
        50
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "annual",
      "order": "after_cap",
      "refund_eur": 130.0,
      "out_of_pocket_eur": 70.0,
      "cap_remaining_eur": 1340.0,
      "ledger": [
        {
          "bill_eur": 50,
          "refund_eur": 10.0,
          "cap_remaining_eur": 1460.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 50,
          "refund_eur": 40.0,
          "cap_remaining_eur": 1420.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 50,
          "refund_eur": 40.0,
          "cap_remaining_eur": 1380.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 50,
          "refund_eur": 40.0,
          "cap_remaining_eur": 1340.0,
          "deductible_taken_eur": 0.0
        }
      ]
    },
    {
      "id": "quatre-50-acte",
      "scenario": "quatre-50",
      "scenario_label": "Quatre actes de 50 €",
      "model": "acte",
      "model_label": "Par acte · après le taux",
      "bills_eur": [
        50,
        50,
        50,
        50
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "per_visit",
      "order": "after",
      "refund_eur": 40.0,
      "out_of_pocket_eur": 160.0,
      "cap_remaining_eur": 1460.0,
      "ledger": [
        {
          "bill_eur": 50,
          "refund_eur": 10.0,
          "cap_remaining_eur": 1490.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 50,
          "refund_eur": 10.0,
          "cap_remaining_eur": 1480.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 50,
          "refund_eur": 10.0,
          "cap_remaining_eur": 1470.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 50,
          "refund_eur": 10.0,
          "cap_remaining_eur": 1460.0,
          "deductible_taken_eur": 30.0
        }
      ]
    },
    {
      "id": "unique-2000-avant",
      "scenario": "unique-2000",
      "scenario_label": "Un acte de 2 000 €",
      "model": "avant",
      "model_label": "Année · avant le taux",
      "bills_eur": [
        2000
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "annual",
      "order": "before",
      "refund_eur": 1500.0,
      "out_of_pocket_eur": 500.0,
      "cap_remaining_eur": 0.0,
      "ledger": [
        {
          "bill_eur": 2000,
          "refund_eur": 1500.0,
          "cap_remaining_eur": 0.0,
          "deductible_taken_eur": 30.0
        }
      ]
    },
    {
      "id": "unique-2000-apres",
      "scenario": "unique-2000",
      "scenario_label": "Un acte de 2 000 €",
      "model": "apres",
      "model_label": "Année · après le taux",
      "bills_eur": [
        2000
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "annual",
      "order": "after",
      "refund_eur": 1500.0,
      "out_of_pocket_eur": 500.0,
      "cap_remaining_eur": 0.0,
      "ledger": [
        {
          "bill_eur": 2000,
          "refund_eur": 1500.0,
          "cap_remaining_eur": 0.0,
          "deductible_taken_eur": 30.0
        }
      ]
    },
    {
      "id": "unique-2000-apres-plafond",
      "scenario": "unique-2000",
      "scenario_label": "Un acte de 2 000 €",
      "model": "apres-plafond",
      "model_label": "Année · après le plafond",
      "bills_eur": [
        2000
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "annual",
      "order": "after_cap",
      "refund_eur": 1470.0,
      "out_of_pocket_eur": 530.0,
      "cap_remaining_eur": 0.0,
      "ledger": [
        {
          "bill_eur": 2000,
          "refund_eur": 1470.0,
          "cap_remaining_eur": 0.0,
          "deductible_taken_eur": 30.0
        }
      ]
    },
    {
      "id": "unique-2000-acte",
      "scenario": "unique-2000",
      "scenario_label": "Un acte de 2 000 €",
      "model": "acte",
      "model_label": "Par acte · après le taux",
      "bills_eur": [
        2000
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "per_visit",
      "order": "after",
      "refund_eur": 1500.0,
      "out_of_pocket_eur": 500.0,
      "cap_remaining_eur": 0.0,
      "ledger": [
        {
          "bill_eur": 2000,
          "refund_eur": 1500.0,
          "cap_remaining_eur": 0.0,
          "deductible_taken_eur": 30.0
        }
      ]
    },
    {
      "id": "cinq-400-avant",
      "scenario": "cinq-400",
      "scenario_label": "Cinq actes de 400 €",
      "model": "avant",
      "model_label": "Année · avant le taux",
      "bills_eur": [
        400,
        400,
        400,
        400,
        400
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "annual",
      "order": "before",
      "refund_eur": 1500.0,
      "out_of_pocket_eur": 500.0,
      "cap_remaining_eur": 0.0,
      "ledger": [
        {
          "bill_eur": 400,
          "refund_eur": 296.0,
          "cap_remaining_eur": 1204.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 320.0,
          "cap_remaining_eur": 884.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 320.0,
          "cap_remaining_eur": 564.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 320.0,
          "cap_remaining_eur": 244.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 244.0,
          "cap_remaining_eur": 0.0,
          "deductible_taken_eur": 0.0
        }
      ]
    },
    {
      "id": "cinq-400-apres",
      "scenario": "cinq-400",
      "scenario_label": "Cinq actes de 400 €",
      "model": "apres",
      "model_label": "Année · après le taux",
      "bills_eur": [
        400,
        400,
        400,
        400,
        400
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "annual",
      "order": "after",
      "refund_eur": 1500.0,
      "out_of_pocket_eur": 500.0,
      "cap_remaining_eur": 0.0,
      "ledger": [
        {
          "bill_eur": 400,
          "refund_eur": 290.0,
          "cap_remaining_eur": 1210.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 320.0,
          "cap_remaining_eur": 890.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 320.0,
          "cap_remaining_eur": 570.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 320.0,
          "cap_remaining_eur": 250.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 250.0,
          "cap_remaining_eur": 0.0,
          "deductible_taken_eur": 0.0
        }
      ]
    },
    {
      "id": "cinq-400-apres-plafond",
      "scenario": "cinq-400",
      "scenario_label": "Cinq actes de 400 €",
      "model": "apres-plafond",
      "model_label": "Année · après le plafond",
      "bills_eur": [
        400,
        400,
        400,
        400,
        400
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "annual",
      "order": "after_cap",
      "refund_eur": 1470.0,
      "out_of_pocket_eur": 530.0,
      "cap_remaining_eur": 0.0,
      "ledger": [
        {
          "bill_eur": 400,
          "refund_eur": 290.0,
          "cap_remaining_eur": 1180.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 320.0,
          "cap_remaining_eur": 860.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 320.0,
          "cap_remaining_eur": 540.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 320.0,
          "cap_remaining_eur": 220.0,
          "deductible_taken_eur": 0.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 220.0,
          "cap_remaining_eur": 0.0,
          "deductible_taken_eur": 0.0
        }
      ]
    },
    {
      "id": "cinq-400-acte",
      "scenario": "cinq-400",
      "scenario_label": "Cinq actes de 400 €",
      "model": "acte",
      "model_label": "Par acte · après le taux",
      "bills_eur": [
        400,
        400,
        400,
        400,
        400
      ],
      "rate_percent": 80,
      "cap_eur": 1500,
      "deductible_eur": 30,
      "deductible_mode": "per_visit",
      "order": "after",
      "refund_eur": 1450.0,
      "out_of_pocket_eur": 550.0,
      "cap_remaining_eur": 50.0,
      "ledger": [
        {
          "bill_eur": 400,
          "refund_eur": 290.0,
          "cap_remaining_eur": 1210.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 290.0,
          "cap_remaining_eur": 920.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 290.0,
          "cap_remaining_eur": 630.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 290.0,
          "cap_remaining_eur": 340.0,
          "deductible_taken_eur": 30.0
        },
        {
          "bill_eur": 400,
          "refund_eur": 290.0,
          "cap_remaining_eur": 50.0,
          "deductible_taken_eur": 30.0
        }
      ]
    }
  ]
}