{
  "dataset_id": "impact-franchise-actes",
  "version": "1.0",
  "date_created": "2026-10-05",
  "kind": "Calcul pédagogique, sans contrat ni données médicales observées",
  "title": "Même dépense de 1 200 euros : effet du nombre d’actes sur une franchise",
  "method": "Taux de 80 %, plafond disponible de 2 000 €, franchise soustraite après le taux ; tous les soins sont supposés éligibles. Dans le scénario par acte, chaque facture correspond à un acte distinct et la franchise de 30 € est soustraite à chaque indemnité. Franchise annuelle entièrement disponible. Cotisations exclues.",
  "canonical_url": "https://www.animaux-assurance.com/guides/franchise-assurance-animaux.html#experience-franchise",
  "records": [
    {
      "total_bills_eur": 1200,
      "invoice_count": 1,
      "bill_eur": 1200.0,
      "rate_percent": 80,
      "deductible_eur": 0,
      "deductible_unit": "aucune",
      "refund_eur": 960,
      "out_of_pocket_eur": 240,
      "annual_cap_eur": 2000,
      "prior_refunds_eur": 0
    },
    {
      "total_bills_eur": 1200,
      "invoice_count": 1,
      "bill_eur": 1200.0,
      "rate_percent": 80,
      "deductible_eur": 30,
      "deductible_unit": "annuelle",
      "refund_eur": 930,
      "out_of_pocket_eur": 270,
      "annual_cap_eur": 2000,
      "prior_refunds_eur": 0
    },
    {
      "total_bills_eur": 1200,
      "invoice_count": 1,
      "bill_eur": 1200.0,
      "rate_percent": 80,
      "deductible_eur": 30,
      "deductible_unit": "par_acte",
      "refund_eur": 930.0,
      "out_of_pocket_eur": 270.0,
      "annual_cap_eur": 2000,
      "prior_refunds_eur": 0
    },
    {
      "total_bills_eur": 1200,
      "invoice_count": 4,
      "bill_eur": 300.0,
      "rate_percent": 80,
      "deductible_eur": 0,
      "deductible_unit": "aucune",
      "refund_eur": 960,
      "out_of_pocket_eur": 240,
      "annual_cap_eur": 2000,
      "prior_refunds_eur": 0
    },
    {
      "total_bills_eur": 1200,
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      "rate_percent": 80,
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      "deductible_unit": "annuelle",
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      "out_of_pocket_eur": 270,
      "annual_cap_eur": 2000,
      "prior_refunds_eur": 0
    },
    {
      "total_bills_eur": 1200,
      "invoice_count": 4,
      "bill_eur": 300.0,
      "rate_percent": 80,
      "deductible_eur": 30,
      "deductible_unit": "par_acte",
      "refund_eur": 840.0,
      "out_of_pocket_eur": 360.0,
      "annual_cap_eur": 2000,
      "prior_refunds_eur": 0
    },
    {
      "total_bills_eur": 1200,
      "invoice_count": 12,
      "bill_eur": 100.0,
      "rate_percent": 80,
      "deductible_eur": 0,
      "deductible_unit": "aucune",
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    },
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      "prior_refunds_eur": 0
    },
    {
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      "rate_percent": 80,
      "deductible_eur": 30,
      "deductible_unit": "par_acte",
      "refund_eur": 600.0,
      "out_of_pocket_eur": 600.0,
      "annual_cap_eur": 2000,
      "prior_refunds_eur": 0
    }
  ]
}