{"id":15896,"date":"2026-11-03T05:29:48","date_gmt":"2026-11-03T05:29:48","guid":{"rendered":"https:\/\/mediatopnews.tg\/?p=15896"},"modified":"2026-11-03T05:29:50","modified_gmt":"2026-11-03T05:29:50","slug":"assurance-en-afrique-la-fanaf-veut-mettre-fin-a-lassurance-a-credit-et-renforcer-lapplication-de-larticle-13-du-code-cima","status":"publish","type":"post","link":"https:\/\/mediatopnews.tg\/?p=15896","title":{"rendered":"Assurance en Afrique : la FANAF veut mettre fin \u00e0 l\u2019assurance \u00e0 cr\u00e9dit et renforcer l\u2019application de l\u2019article 13 du Code CIMA"},"content":{"rendered":"\n<p>Lom\u00e9 accueille, depuis le lundi 2 novembre 2026, le 12\u1d49 Forum des March\u00e9s de la Zone FANAF. Pendant deux jours, les acteurs du secteur africain des assurances se penchent sur l\u2019application effective de l\u2019article 13 du Code CIMA, qui consacre le principe du paiement pr\u00e9alable de la prime comme condition \u00e0 la prise d\u2019effet de la garantie. Quinze ans apr\u00e8s l\u2019adoption de cette disposition, l\u2019enjeu est de mettre un terme aux pratiques de l\u2019assurance \u00e0 cr\u00e9dit et de restaurer la discipline financi\u00e8re au sein des compagnies.<\/p>\n\n\n\n<p>Plac\u00e9e sous l\u2019\u00e9gide de la F\u00e9d\u00e9ration des Soci\u00e9t\u00e9s d\u2019Assurances de Droit National Africaines (FANAF), cette rencontre r\u00e9unit \u00e0 Lom\u00e9 des dirigeants de compagnies d\u2019assurances et de r\u00e9assurances, des experts actuariels, des responsables du secteur et des d\u00e9l\u00e9gu\u00e9s de haut niveau. L\u2019Association Professionnelle des Soci\u00e9t\u00e9s d\u2019Assurance du Togo (APSAT) assure l\u2019organisation de ce rendez-vous autour du th\u00e8me : \u00ab Pas de prime, pas de garantie : Quinze ans apr\u00e8s, reprendre la main sur l\u2019article 13 du Code CIMA \u00bb.<\/p>\n\n\n\n<p>Le choix de ce th\u00e8me renvoie \u00e0 une r\u00e9forme majeure adopt\u00e9e le 11 avril 2011 \u00e0 N\u2019Djamena, au Tchad, par le Conseil des ministres en charge des assurances. \u00c0 travers le R\u00e8glement n\u00b0001\/CIMA\/PCMA, le r\u00e9gulateur communautaire avait consacr\u00e9 le paiement pr\u00e9alable de la prime comme condition indispensable \u00e0 la prise d\u2019effet de la garantie. Une disposition destin\u00e9e \u00e0 mettre fin \u00e0 l\u2019assurance \u00e0 cr\u00e9dit, assainir les finances des compagnies et renforcer leur capacit\u00e9 \u00e0 indemniser les assur\u00e9s.<\/p>\n\n\n\n<p>Quinze ans apr\u00e8s, le bilan suscite cependant des interrogations. Des cr\u00e9ances parfois difficiles, voire impossibles \u00e0 recouvrer, continuent de peser sur les actifs de certaines compagnies. Une situation qui fragilise leur tr\u00e9sorerie, menace leurs marges de solvabilit\u00e9 et compromet leur capacit\u00e9 \u00e0 honorer leurs engagements envers les assur\u00e9s.<\/p>\n\n\n\n<p>Pour le pr\u00e9sident de l\u2019APSAT, Andr\u00e9 Azibli, cette situation traduit un d\u00e9calage entre les exigences r\u00e9glementaires et certaines pratiques du march\u00e9. Il estime n\u00e9cessaire de r\u00e9affirmer le principe du paiement pr\u00e9alable et de mettre en place des m\u00e9canismes permettant d&rsquo;en suivre rigoureusement l&rsquo;application.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/Assurance-3-1024x768.jpeg\" alt=\"\" class=\"wp-image-15898\" srcset=\"https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/Assurance-3-1024x768.jpeg 1024w, https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/Assurance-3-300x225.jpeg 300w, https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/Assurance-3-768x576.jpeg 768w, https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/Assurance-3.jpeg 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u00ab Derri\u00e8re cette formulation se trouve une question fondamentale pour l\u2019avenir de notre industrie : pouvons-nous durablement pr\u00e9tendre b\u00e2tir des march\u00e9s d\u2019assurances solides lorsque les engagements pris envers les assur\u00e9s ne reposent pas toujours sur une contrepartie financi\u00e8re effectivement acquitt\u00e9e ? \u00bb, s\u2019est-il interrog\u00e9.<\/p>\n\n\n\n<p>Il appelle ainsi les professionnels \u00e0 faire preuve de courage, de lucidit\u00e9 et de responsabilit\u00e9 pour corriger les insuffisances constat\u00e9es. Pour lui, il ne s&rsquo;agit pas simplement de rappeler une disposition r\u00e9glementaire, mais de remettre en question les pratiques et de renforcer la discipline collective au sein du secteur.<\/p>\n\n\n<figure class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1080\" height=\"810\" src=\"https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/Assurance-1.jpeg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/Assurance-1.jpeg 1080w, https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/Assurance-1-300x225.jpeg 300w, https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/Assurance-1-1024x768.jpeg 1024w, https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/Assurance-1-768x576.jpeg 768w\" sizes=\"auto, (max-width: 1080px) 100vw, 1080px\" \/><\/figure>\n\n\n<p>Durant les deux jours de travaux, les participants examinent notamment les facteurs \u00e0 l&rsquo;origine de l&rsquo;\u00e9rosion financi\u00e8re des compagnies d&rsquo;assurances en Afrique. Une attention particuli\u00e8re est accord\u00e9e au traitement des risques de l&rsquo;\u00c9tat et de ses d\u00e9membrements, afin de garantir leur prise en charge dans le respect des exigences de l&rsquo;article 13 du Code CIMA.<\/p>\n\n\n\n<p>Les \u00e9changes portent \u00e9galement sur les relations entre assureurs et interm\u00e9diaires. \u00c0 cet effet, l&rsquo;APSAT entend associer ces derniers \u00e0 la r\u00e9flexion \u00e0 travers un projet de charte contraignante visant \u00e0 am\u00e9liorer les pratiques, notamment en mati\u00e8re d&rsquo;encaissement et de reversement des primes.<\/p>\n\n\n\n<p>Cette d\u00e9marche b\u00e9n\u00e9ficie du soutien des autorit\u00e9s togolaises. Repr\u00e9sentant le gouvernement, le ministre de la Sant\u00e9, de l&rsquo;Hygi\u00e8ne publique, de la Couverture sanitaire universelle et des Assurances, Jean-Marie Koffi Ewonoul\u00e9 Tessi, a insist\u00e9 sur les risques que repr\u00e9sente l&rsquo;assurance \u00e0 cr\u00e9dit pour l&rsquo;ensemble de l&rsquo;\u00e9cosyst\u00e8me financier africain.<\/p>\n\n\n\n<p>\u00ab L&rsquo;assureur int\u00e8gre qui applique la loi ne doit plus \u00eatre p\u00e9nalis\u00e9 au profit de celui qui s&rsquo;en affranchit \u00bb, a-t-il affirm\u00e9. Il a \u00e9galement plaid\u00e9 pour davantage de transparence dans l&rsquo;encaissement et le reversement des primes, en encourageant le recours aux outils num\u00e9riques et aux solutions de paiement mobile.<\/p>\n\n\n\n<p>Au terme de ce 12\u1d49 Forum des March\u00e9s de la Zone FANAF, deux documents sont particuli\u00e8rement attendus : une feuille d&rsquo;engagement et un projet de m\u00e9morandum de coop\u00e9ration entre la FANAF et la Conf\u00e9rence interafricaine des march\u00e9s d&rsquo;assurances (CIMA). Ces instruments devraient permettre de traduire les r\u00e9solutions de Lom\u00e9 en actions concr\u00e8tes et de renforcer l&rsquo;autodiscipline des acteurs du march\u00e9 africain des assurances.<\/p>\n\n\n\n<p>L&rsquo;ambition est claire : faire du respect du principe \u00ab pas de prime, pas de garantie \u00bb une r\u00e9alit\u00e9 dans les pratiques professionnelles, afin de consolider la cr\u00e9dibilit\u00e9 du secteur et de mieux prot\u00e9ger les assur\u00e9s.<\/p>\n\n\n\n<p><strong>BOBI&nbsp; Yao<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"768\" src=\"https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/ASSURANCE-2-1024x768.jpeg\" alt=\"\" class=\"wp-image-15897\" srcset=\"https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/ASSURANCE-2-1024x768.jpeg 1024w, https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/ASSURANCE-2-300x225.jpeg 300w, https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/ASSURANCE-2-768x576.jpeg 768w, https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/ASSURANCE-2.jpeg 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Lom\u00e9 accueille, depuis le lundi 2 novembre 2026, le 12\u1d49 Forum des March\u00e9s de la Zone FANAF. Pendant deux jours, les acteurs du secteur africain des assurances se penchent sur l\u2019application effective de l\u2019article 13 du Code CIMA, qui consacre le principe du paiement pr\u00e9alable de la prime comme condition \u00e0 la prise d\u2019effet de [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":15899,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[],"class_list":["post-15896","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Assurance en Afrique : la FANAF veut mettre fin \u00e0 l\u2019assurance \u00e0 cr\u00e9dit et renforcer l\u2019application de l\u2019article 13 du Code CIMA - R\u00e9c\u00e9piss\u00e9 N\u00b00026\/12-2020\/pl\/P<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/mediatopnews.tg\/?p=15896\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance en Afrique : la FANAF veut mettre fin \u00e0 l\u2019assurance \u00e0 cr\u00e9dit et renforcer l\u2019application de l\u2019article 13 du Code CIMA - R\u00e9c\u00e9piss\u00e9 N\u00b00026\/12-2020\/pl\/P\" \/>\n<meta property=\"og:description\" content=\"Lom\u00e9 accueille, depuis le lundi 2 novembre 2026, le 12\u1d49 Forum des March\u00e9s de la Zone FANAF. Pendant deux jours, les acteurs du secteur africain des assurances se penchent sur l\u2019application effective de l\u2019article 13 du Code CIMA, qui consacre le principe du paiement pr\u00e9alable de la prime comme condition \u00e0 la prise d\u2019effet de [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/mediatopnews.tg\/?p=15896\" \/>\n<meta property=\"og:site_name\" content=\"R\u00e9c\u00e9piss\u00e9 N\u00b00026\/12-2020\/pl\/P\" \/>\n<meta property=\"article:published_time\" content=\"2026-11-03T05:29:48+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-11-03T05:29:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/Assurance-1.jpeg\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"810\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"La R\u00e9daction\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"La R\u00e9daction\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/mediatopnews.tg\/?p=15896#article\",\"isPartOf\":{\"@id\":\"https:\/\/mediatopnews.tg\/?p=15896\"},\"author\":{\"name\":\"La R\u00e9daction\",\"@id\":\"https:\/\/mediatopnews.tg\/#\/schema\/person\/5264fbaa15cdbc3bbc592caa5cb4bac6\"},\"headline\":\"Assurance en Afrique : la FANAF veut mettre fin \u00e0 l\u2019assurance \u00e0 cr\u00e9dit et renforcer l\u2019application de l\u2019article 13 du Code CIMA\",\"datePublished\":\"2026-11-03T05:29:48+00:00\",\"dateModified\":\"2026-11-03T05:29:50+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/mediatopnews.tg\/?p=15896\"},\"wordCount\":824,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/mediatopnews.tg\/#organization\"},\"image\":{\"@id\":\"https:\/\/mediatopnews.tg\/?p=15896#primaryimage\"},\"thumbnailUrl\":\"https:\/\/mediatopnews.tg\/wp-content\/uploads\/2026\/11\/Assurance-1.jpeg\",\"articleSection\":[\"ECONOMIE\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/mediatopnews.tg\/?p=15896#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/mediatopnews.tg\/?p=15896\",\"url\":\"https:\/\/mediatopnews.tg\/?p=15896\",\"name\":\"Assurance en Afrique : la FANAF veut mettre fin \u00e0 l\u2019assurance \u00e0 cr\u00e9dit et renforcer l\u2019application de l\u2019article 13 du Code CIMA - 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