{
  "dataset_id": "seuil-sans-franchise",
  "version": "1.0",
  "date_created": "2026-10-08",
  "title": "Supprimer une franchise : quel supplément de cotisation compenser ?",
  "canonical_url": "https://www.animaux-assurance.com/guides/assurance-animaux-sans-franchise.html#seuil-cotisation",
  "kind": "Expérience arithmétique fictive, sans assureur ni prix observé",
  "method": "18 scénarios. Dépenses entièrement admises réparties en actes distincts quasi égaux ; taux 80 %, franchise 30 euros annuelle ou par acte, plafond annuel 2 000 euros. Par facture : taux, franchise, puis plafond restant. Arrondi au centime après le taux ; les centimes de division sont répartis sur les premières factures. Aucune franchise déjà consommée. La suppression de franchise est la seule différence de garantie.",
  "interpretation": "Gain de remboursement = sans franchise moins avec franchise. Ce gain est le supplément annuel maximal de cotisation compensé dans ce scénario. Le plafond mensuel est arrondi au centime inférieur pour ne pas dépasser ce gain sur douze mensualités.",
  "limitations": "Ni devis, ni statistique de fréquence, ni conseil individuel. Exclusions, carences, prévention, services et évolution des cotisations non modélisés. Tous les actes sont distincts : ce modèle ne représente pas une franchise par motif, une retenue minimale en pourcentage, ou un autre ordre de calcul.",
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      "total_cents": 30000,
      "acts": 1,
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      "deductible_cents": 3000,
      "mode": "annual",
      "cap_cents": 200000,
      "refund_with_cents": 21000,
      "refund_without_cents": 24000,
      "extra_refund_cents": 3000,
      "max_monthly_extra_cents": 250
    },
    {
      "id": "SF-300-1-per_act",
      "total_cents": 30000,
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      "deductible_cents": 3000,
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      "cap_cents": 200000,
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      "max_monthly_extra_cents": 250
    },
    {
      "id": "SF-300-4-annual",
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      "extra_refund_cents": 3000,
      "max_monthly_extra_cents": 250
    },
    {
      "id": "SF-300-4-per_act",
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    },
    {
      "id": "SF-300-12-annual",
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    },
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    },
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}