{
  "dataset_id": "simulation-formules-2026",
  "version": "1.1",
  "date_checked": "2026-10-07",
  "title": "Simulations de remboursement pour vingt-quatre configurations documentées",
  "scope": "Première facture de la période annuelle, frais admis identiques, plafonds et franchises entiers, aucune option ni sous-limite, carences terminées. Ni cotisation, ni éligibilité, ni sinistre observé. Deux configurations sans ordre établi ne sont pas calculées.",
  "records": [
    {
      "id": "bulle-bleue-1",
      "brand": "Bulle Bleue",
      "formula": "Essentiel",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/bulle-bleue.html",
      "rate_percent": 80,
      "annual_cap_eur": 1500,
      "annual_deductible_eur": 100,
      "calculation_order": "after_cap",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.bullebleue.fr/wp-content/uploads/sites/2/2026/07/DG-BB-AXA-01072026.pdf",
      "source_location": "Chapitre 2 A, PDF p. 5",
      "values_source_url": "https://www.bullebleue.fr/assurance-mutuelle-chien",
      "checked_at": "2026-10-06"
    },
    {
      "id": "bulle-bleue-2",
      "brand": "Bulle Bleue",
      "formula": "Tranquille",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/bulle-bleue.html",
      "rate_percent": 80,
      "annual_cap_eur": 2500,
      "annual_deductible_eur": 50,
      "calculation_order": "after_cap",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.bullebleue.fr/wp-content/uploads/sites/2/2026/07/DG-BB-AXA-01072026.pdf",
      "source_location": "Chapitre 2 A, PDF p. 5",
      "values_source_url": "https://www.bullebleue.fr/assurance-mutuelle-chien",
      "checked_at": "2026-10-06"
    },
    {
      "id": "bulle-bleue-3",
      "brand": "Bulle Bleue",
      "formula": "Sérénité",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/bulle-bleue.html",
      "rate_percent": 80,
      "annual_cap_eur": 3500,
      "annual_deductible_eur": 0,
      "calculation_order": "none",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.bullebleue.fr/wp-content/uploads/sites/2/2026/07/DG-BB-AXA-01072026.pdf",
      "source_location": "Chapitre 2 A, PDF p. 5",
      "values_source_url": "https://www.bullebleue.fr/assurance-mutuelle-chien",
      "checked_at": "2026-10-06"
    },
    {
      "id": "figo-1-0",
      "brand": "Figo",
      "formula": "Essentielle · franchise 0 €/an",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/figo.html",
      "rate_percent": 70,
      "annual_cap_eur": 1000,
      "annual_deductible_eur": 0,
      "calculation_order": "before_rate",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.figo.fr/Conditions_Generales_FIGO.pdf",
      "source_location": "PDF p. 14, article 6.3 ; plafond annuel défini p. 4",
      "values_source_url": "https://www.figo.fr/",
      "checked_at": "2026-10-07"
    },
    {
      "id": "figo-1-100",
      "brand": "Figo",
      "formula": "Essentielle · franchise 100 €/an",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/figo.html",
      "rate_percent": 70,
      "annual_cap_eur": 1000,
      "annual_deductible_eur": 100,
      "calculation_order": "before_rate",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.figo.fr/Conditions_Generales_FIGO.pdf",
      "source_location": "PDF p. 14, article 6.3 ; plafond annuel défini p. 4",
      "values_source_url": "https://www.figo.fr/",
      "checked_at": "2026-10-07"
    },
    {
      "id": "figo-1-50",
      "brand": "Figo",
      "formula": "Essentielle · franchise 50 €/an",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/figo.html",
      "rate_percent": 70,
      "annual_cap_eur": 1000,
      "annual_deductible_eur": 50,
      "calculation_order": "before_rate",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.figo.fr/Conditions_Generales_FIGO.pdf",
      "source_location": "PDF p. 14, article 6.3 ; plafond annuel défini p. 4",
      "values_source_url": "https://www.figo.fr/",
      "checked_at": "2026-10-07"
    },
    {
      "id": "figo-2-0",
      "brand": "Figo",
      "formula": "Équilibre · franchise 0 €/an",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/figo.html",
      "rate_percent": 80,
      "annual_cap_eur": 2000,
      "annual_deductible_eur": 0,
      "calculation_order": "before_rate",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.figo.fr/Conditions_Generales_FIGO.pdf",
      "source_location": "PDF p. 14, article 6.3 ; plafond annuel défini p. 4",
      "values_source_url": "https://www.figo.fr/",
      "checked_at": "2026-10-07"
    },
    {
      "id": "figo-2-100",
      "brand": "Figo",
      "formula": "Équilibre · franchise 100 €/an",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/figo.html",
      "rate_percent": 80,
      "annual_cap_eur": 2000,
      "annual_deductible_eur": 100,
      "calculation_order": "before_rate",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.figo.fr/Conditions_Generales_FIGO.pdf",
      "source_location": "PDF p. 14, article 6.3 ; plafond annuel défini p. 4",
      "values_source_url": "https://www.figo.fr/",
      "checked_at": "2026-10-07"
    },
    {
      "id": "figo-2-50",
      "brand": "Figo",
      "formula": "Équilibre · franchise 50 €/an",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/figo.html",
      "rate_percent": 80,
      "annual_cap_eur": 2000,
      "annual_deductible_eur": 50,
      "calculation_order": "before_rate",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.figo.fr/Conditions_Generales_FIGO.pdf",
      "source_location": "PDF p. 14, article 6.3 ; plafond annuel défini p. 4",
      "values_source_url": "https://www.figo.fr/",
      "checked_at": "2026-10-07"
    },
    {
      "id": "figo-3-0",
      "brand": "Figo",
      "formula": "Excellence · franchise 0 €/an",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/figo.html",
      "rate_percent": 90,
      "annual_cap_eur": 4000,
      "annual_deductible_eur": 0,
      "calculation_order": "before_rate",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.figo.fr/Conditions_Generales_FIGO.pdf",
      "source_location": "PDF p. 14, article 6.3 ; plafond annuel défini p. 4",
      "values_source_url": "https://www.figo.fr/",
      "checked_at": "2026-10-07"
    },
    {
      "id": "figo-3-100",
      "brand": "Figo",
      "formula": "Excellence · franchise 100 €/an",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/figo.html",
      "rate_percent": 90,
      "annual_cap_eur": 4000,
      "annual_deductible_eur": 100,
      "calculation_order": "before_rate",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.figo.fr/Conditions_Generales_FIGO.pdf",
      "source_location": "PDF p. 14, article 6.3 ; plafond annuel défini p. 4",
      "values_source_url": "https://www.figo.fr/",
      "checked_at": "2026-10-07"
    },
    {
      "id": "figo-3-50",
      "brand": "Figo",
      "formula": "Excellence · franchise 50 €/an",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/figo.html",
      "rate_percent": 90,
      "annual_cap_eur": 4000,
      "annual_deductible_eur": 50,
      "calculation_order": "before_rate",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.figo.fr/Conditions_Generales_FIGO.pdf",
      "source_location": "PDF p. 14, article 6.3 ; plafond annuel défini p. 4",
      "values_source_url": "https://www.figo.fr/",
      "checked_at": "2026-10-07"
    },
    {
      "id": "generali-1",
      "brand": "Generali",
      "formula": "Prudente",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/generali.html",
      "rate_percent": 60,
      "annual_cap_eur": 1200,
      "annual_deductible_eur": 0,
      "calculation_order": "none",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.generali.fr/sites/default/files-d8/2025-11/GA2D43C-25_FICHEWEB-Generali-sante-animal_12.2025.pdf",
      "source_location": "PDF p. 1, tableau des trois formules",
      "values_source_url": "https://www.generali.fr/sites/default/files-d8/2025-11/GA2D43C-25_FICHEWEB-Generali-sante-animal_12.2025.pdf",
      "checked_at": "2026-10-06"
    },
    {
      "id": "generali-2",
      "brand": "Generali",
      "formula": "Rusée",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/generali.html",
      "rate_percent": 80,
      "annual_cap_eur": 1600,
      "annual_deductible_eur": 20,
      "calculation_order": null,
      "calculation_status": "order_not_documented",
      "source_url": "https://www.generali.fr/sites/default/files-d8/2025-11/GA2D43C-25_FICHEWEB-Generali-sante-animal_12.2025.pdf",
      "source_location": "PDF p. 1, tableau des trois formules",
      "values_source_url": "https://www.generali.fr/sites/default/files-d8/2025-11/GA2D43C-25_FICHEWEB-Generali-sante-animal_12.2025.pdf",
      "checked_at": "2026-10-06"
    },
    {
      "id": "generali-3",
      "brand": "Generali",
      "formula": "Avisée",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/generali.html",
      "rate_percent": 90,
      "annual_cap_eur": 2000,
      "annual_deductible_eur": 60,
      "calculation_order": null,
      "calculation_status": "order_not_documented",
      "source_url": "https://www.generali.fr/sites/default/files-d8/2025-11/GA2D43C-25_FICHEWEB-Generali-sante-animal_12.2025.pdf",
      "source_location": "PDF p. 1, tableau des trois formules",
      "values_source_url": "https://www.generali.fr/sites/default/files-d8/2025-11/GA2D43C-25_FICHEWEB-Generali-sante-animal_12.2025.pdf",
      "checked_at": "2026-10-06"
    },
    {
      "id": "goodflair-1",
      "brand": "Goodflair",
      "formula": "Éco",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/goodflair.html",
      "rate_percent": 60,
      "annual_cap_eur": 1000,
      "annual_deductible_eur": 0,
      "calculation_order": "none",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://goodflair.com/assurance-chien/",
      "source_location": "Tableaux de formules ; configuration à franchise nulle",
      "values_source_url": "https://goodflair.com/assurance-chien/",
      "checked_at": "2026-10-06"
    },
    {
      "id": "goodflair-2",
      "brand": "Goodflair",
      "formula": "Confort",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/goodflair.html",
      "rate_percent": 80,
      "annual_cap_eur": 1500,
      "annual_deductible_eur": 0,
      "calculation_order": "none",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://goodflair.com/assurance-chien/",
      "source_location": "Tableaux de formules ; configuration à franchise nulle",
      "values_source_url": "https://goodflair.com/assurance-chien/",
      "checked_at": "2026-10-06"
    },
    {
      "id": "goodflair-3",
      "brand": "Goodflair",
      "formula": "Intégrale",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/goodflair.html",
      "rate_percent": 100,
      "annual_cap_eur": 3000,
      "annual_deductible_eur": 0,
      "calculation_order": "none",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://goodflair.com/assurance-chien/",
      "source_location": "Tableaux de formules ; configuration à franchise nulle",
      "values_source_url": "https://goodflair.com/assurance-chien/",
      "checked_at": "2026-10-06"
    },
    {
      "id": "sante-vet-1",
      "brand": "Santévet",
      "formula": "Light",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/sante-vet.html",
      "rate_percent": 60,
      "annual_cap_eur": 1500,
      "annual_deductible_eur": 0,
      "calculation_order": "none",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.santevet.com/wp-content/uploads/2026/03/DG_-_SVFR_-_CC_-_AXA_-_AZ_-_20032026_Digital_A4.pdf",
      "source_location": "Chapitre 2 A, PDF p. 6",
      "values_source_url": "https://www.santevet.com/wp-content/uploads/2026/03/DG_-_SVFR_-_CC_-_AXA_-_AZ_-_20032026_Digital_A4.pdf",
      "checked_at": "2026-10-06"
    },
    {
      "id": "sante-vet-2",
      "brand": "Santévet",
      "formula": "Confort",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/sante-vet.html",
      "rate_percent": 70,
      "annual_cap_eur": 2000,
      "annual_deductible_eur": 20,
      "calculation_order": "after_cap",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.santevet.com/wp-content/uploads/2026/03/DG_-_SVFR_-_CC_-_AXA_-_AZ_-_20032026_Digital_A4.pdf",
      "source_location": "Chapitre 2 A, PDF p. 6",
      "values_source_url": "https://www.santevet.com/wp-content/uploads/2026/03/DG_-_SVFR_-_CC_-_AXA_-_AZ_-_20032026_Digital_A4.pdf",
      "checked_at": "2026-10-06"
    },
    {
      "id": "sante-vet-3",
      "brand": "Santévet",
      "formula": "Confort+",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/sante-vet.html",
      "rate_percent": 80,
      "annual_cap_eur": 3000,
      "annual_deductible_eur": 30,
      "calculation_order": "after_cap",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.santevet.com/wp-content/uploads/2026/03/DG_-_SVFR_-_CC_-_AXA_-_AZ_-_20032026_Digital_A4.pdf",
      "source_location": "Chapitre 2 A, PDF p. 6",
      "values_source_url": "https://www.santevet.com/wp-content/uploads/2026/03/DG_-_SVFR_-_CC_-_AXA_-_AZ_-_20032026_Digital_A4.pdf",
      "checked_at": "2026-10-06"
    },
    {
      "id": "sante-vet-4",
      "brand": "Santévet",
      "formula": "Premium",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/sante-vet.html",
      "rate_percent": 90,
      "annual_cap_eur": 3500,
      "annual_deductible_eur": 50,
      "calculation_order": "after_cap",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.santevet.com/wp-content/uploads/2026/03/DG_-_SVFR_-_CC_-_AXA_-_AZ_-_20032026_Digital_A4.pdf",
      "source_location": "Chapitre 2 A, PDF p. 6",
      "values_source_url": "https://www.santevet.com/wp-content/uploads/2026/03/DG_-_SVFR_-_CC_-_AXA_-_AZ_-_20032026_Digital_A4.pdf",
      "checked_at": "2026-10-06"
    },
    {
      "id": "sante-vet-5",
      "brand": "Santévet",
      "formula": "Optimal",
      "species": [
        "chien",
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/sante-vet.html",
      "rate_percent": 100,
      "annual_cap_eur": 4000,
      "annual_deductible_eur": 75,
      "calculation_order": "after_cap",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.santevet.com/wp-content/uploads/2026/03/DG_-_SVFR_-_CC_-_AXA_-_AZ_-_20032026_Digital_A4.pdf",
      "source_location": "Chapitre 2 A, PDF p. 6",
      "values_source_url": "https://www.santevet.com/wp-content/uploads/2026/03/DG_-_SVFR_-_CC_-_AXA_-_AZ_-_20032026_Digital_A4.pdf",
      "checked_at": "2026-10-06"
    },
    {
      "id": "sante-vet-6",
      "brand": "Santévet",
      "formula": "Cat Indoor",
      "species": [
        "chat"
      ],
      "canonical": "https://www.animaux-assurance.com/assurances/sante-vet.html",
      "rate_percent": 90,
      "annual_cap_eur": 3000,
      "annual_deductible_eur": 50,
      "calculation_order": "after_cap",
      "calculation_status": "calculable_under_assumptions",
      "source_url": "https://www.santevet.com/wp-content/uploads/2026/03/DG_-_SVFR_-_CC_-_AXA_-_AZ_-_20032026_Digital_A4.pdf",
      "source_location": "Chapitre 2 A, PDF p. 6",
      "values_source_url": "https://www.santevet.com/wp-content/uploads/2026/03/DG_-_SVFR_-_CC_-_AXA_-_AZ_-_20032026_Digital_A4.pdf",
      "checked_at": "2026-10-06"
    }
  ]
}