{"id":15905,"date":"2026-11-05T09:08:10","date_gmt":"2026-11-05T09:08:10","guid":{"rendered":"https:\/\/mediatopnews.tg\/?p=15905"},"modified":"2026-11-05T09:08:11","modified_gmt":"2026-11-05T09:08:11","slug":"assurance-sante-en-afrique-lome-au-coeur-des-dun-symposium-pour-un-systeme-viable-et-inclusif","status":"publish","type":"post","link":"https:\/\/mediatopnews.tg\/?p=15905","title":{"rendered":"Assurance sant\u00e9 en Afrique : Lom\u00e9 au c\u0153ur des d\u2019un symposium \u00a0pour un syst\u00e8me viable et inclusif"},"content":{"rendered":"\n

Le symposium sur l\u2019assurance sant\u00e9 en Afrique a officiellement ouvert ses travaux, le mercredi 4 novembre 2026 \u00e0 Lom\u00e9, autour du th\u00e8me : \u00ab B\u00e2tir un \u00e9cosyst\u00e8me d\u2019assurance sant\u00e9 viable, inclusif et durable en Afrique \u00bb. Organis\u00e9e par l\u2019Association professionnelle des soci\u00e9t\u00e9s d\u2019assurances du Togo (APSAT), en collaboration avec la F\u00e9d\u00e9ration des soci\u00e9t\u00e9s d\u2019assurances de droit national africaines (FANAF), cette rencontre de deux jours r\u00e9unit les acteurs du secteur pour r\u00e9fl\u00e9chir aux d\u00e9fis de l\u2019acc\u00e8s aux soins, de la rentabilit\u00e9 des assurances et de l\u2019\u00e9largissement de la couverture sanitaire sur le continent.<\/p>\n\n\n

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La c\u00e9r\u00e9monie d\u2019ouverture a \u00e9t\u00e9 pr\u00e9sid\u00e9e par le ministre de la Sant\u00e9, de l\u2019Hygi\u00e8ne publique, de la Couverture sanitaire universelle et des Assurances, Jean-Marie Koffi Ewonoule Tessi. Assureurs, professionnels de sant\u00e9, organismes de couverture maladie et repr\u00e9sentants des pouvoirs publics sont ainsi r\u00e9unis pour identifier des solutions adapt\u00e9es aux r\u00e9alit\u00e9s africaines.<\/p>\n\n\n\n

\u00c0 l\u2019ouverture des travaux, le pr\u00e9sident de l\u2019APSAT, Andr\u00e9 Azibli, a salu\u00e9 les efforts du Togo en mati\u00e8re de protection sanitaire. Il a notamment rappel\u00e9 la cr\u00e9ation de l\u2019Institut national d\u2019assurance maladie (INAM) en 2011 et l\u2019adoption, le 18 octobre 2021, de la loi instituant l\u2019assurance maladie universelle (AMU). Depuis 2024, la g\u00e9n\u00e9ralisation progressive de ce dispositif, dont la gestion est assur\u00e9e par l\u2019INAM et la Caisse nationale de s\u00e9curit\u00e9 sociale (CNSS), traduit, selon lui, la volont\u00e9 des autorit\u00e9s de garantir un acc\u00e8s plus \u00e9quitable aux soins.<\/p>\n\n\n\n

Le responsable de l\u2019APSAT a rendu hommage aux pouvoirs publics pour leur engagement en faveur de la sant\u00e9, tout en soulignant l\u2019ambition du symposium : faire de l\u2019assurance sant\u00e9 un m\u00e9canisme plus efficace, solide et davantage orient\u00e9 vers les besoins des populations.<\/p>\n\n\n\n

Pour le pr\u00e9sident de la FANAF, Mamadou Kon\u00e9, la construction d\u2019un \u00e9cosyst\u00e8me durable passe n\u00e9cessairement par une responsabilit\u00e9 partag\u00e9e entre les diff\u00e9rents acteurs. Il a relev\u00e9 que, dans la majorit\u00e9 des pays d\u2019Afrique subsaharienne, les paiements directs des m\u00e9nages repr\u00e9sentent encore plus de 30 % des d\u00e9penses de sant\u00e9, exposant de nombreuses familles \u00e0 la pr\u00e9carit\u00e9 financi\u00e8re.<\/p>\n\n\n\n

Toutefois, le secteur reste confront\u00e9 \u00e0 un probl\u00e8me majeur de rentabilit\u00e9. Malgr\u00e9 une croissance moyenne d\u2019environ 10 % par an entre 2014 et 2024, la branche sant\u00e9 a enregistr\u00e9, dans la zone CIMA, un d\u00e9ficit cumul\u00e9 d\u2019exploitation d\u2019environ 106 milliards de FCFA sur la p\u00e9riode 2020-2024. Une situation qui appelle, selon Mamadou Kon\u00e9, \u00e0 une transformation des pratiques. \u00ab Une branche qui cro\u00eet \u00e0 perte n\u2019est pas une r\u00e9ussite \u00bb, a-t-il averti.<\/p>\n\n\n\n

La hausse des co\u00fbts m\u00e9dicaux et des prix des m\u00e9dicaments, la fraude, les difficult\u00e9s de recouvrement ainsi que les tensions entre assureurs et prestataires de soins figurent parmi les principaux obstacles identifi\u00e9s. \u00c0 cela s\u2019ajoute l\u2019insuffisance de couverture de certaines cat\u00e9gories de populations.<\/p>\n\n\n\n

Face \u00e0 ces difficult\u00e9s, les participants ont mis l\u2019accent sur l\u2019apport des innovations technologiques dans la gestion de l\u2019assurance sant\u00e9. La t\u00e9l\u00e9m\u00e9decine, l\u2019intelligence artificielle, la prescription \u00e9lectronique, les paiements mobiles et la d\u00e9mat\u00e9rialisation des feuilles de soins apparaissent comme autant de leviers pour am\u00e9liorer les prestations, ma\u00eetriser les d\u00e9penses et acc\u00e9l\u00e9rer les remboursements.<\/p>\n\n\n\n

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Le ministre Jean-Marie Koffi Ewonoule Tessi a, pour sa part, insist\u00e9 sur la place d\u00e9sormais incontournable du num\u00e9rique dans le secteur. Selon lui, la technologie transforme en profondeur les activit\u00e9s des assureurs, de la distribution des produits au traitement des dossiers, en passant par la tarification et le contr\u00f4le des prestations. Il les a ainsi invit\u00e9s \u00e0 d\u00e9passer leur r\u00f4le traditionnel de payeurs de factures pour devenir de v\u00e9ritables partenaires de la pr\u00e9vention et de la prise en charge sanitaire.<\/p>\n\n\n\n

Dans cette dynamique, Mamadou Kon\u00e9 a appel\u00e9 \u00e0 une meilleure coordination entre les compagnies d\u2019assurances, les r\u00e9gulateurs, les professionnels de sant\u00e9 et les pouvoirs publics. Il a notamment plaid\u00e9 pour une tarification adapt\u00e9e aux risques, le respect des d\u00e9lais de paiement, la lutte contre la fraude et la mise en place de conventions transparentes entre assureurs et prestataires. La promotion des m\u00e9dicaments g\u00e9n\u00e9riques et la ma\u00eetrise des co\u00fbts des actes m\u00e9dicaux doivent \u00e9galement contribuer \u00e0 une meilleure ma\u00eetrise des d\u00e9penses, suivant le principe du \u00ab juste soin au juste co\u00fbt \u00bb.<\/p>\n\n\n\n

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La FANAF pr\u00e9conise par ailleurs des outils communs, notamment la codification des actes m\u00e9dicaux, l\u2019identifiant unique et la centralisation des flux, afin de renforcer l\u2019efficacit\u00e9 et l\u2019harmonisation des syst\u00e8mes d\u2019assurance sant\u00e9.<\/p>\n\n\n\n

Au-del\u00e0 des r\u00e9flexions techniques, ce symposium offre au Togo l\u2019occasion de partager son exp\u00e9rience en mati\u00e8re d\u2019assurance maladie universelle et d’examiner les possibilit\u00e9s de compl\u00e9mentarit\u00e9 entre les r\u00e9gimes publics et les assurances priv\u00e9es.<\/p>\n\n\n\n

Les travaux devraient d\u00e9boucher sur des propositions concr\u00e8tes pour am\u00e9liorer l\u2019\u00e9quilibre financier de la branche sant\u00e9, sans compromettre la qualit\u00e9 et l\u2019accessibilit\u00e9 des soins. L’enjeu est de parvenir \u00e0 concilier la viabilit\u00e9 \u00e9conomique des dispositifs d’assurance et leur vocation sociale : permettre aux familles africaines de se soigner sans basculer dans la pr\u00e9carit\u00e9.<\/p>\n\n\n\n

DJATO<\/strong><\/p>\n\n\n\n

\"\"<\/figure>\n","protected":false},"excerpt":{"rendered":"

Le symposium sur l\u2019assurance sant\u00e9 en Afrique a officiellement ouvert ses travaux, le mercredi 4 novembre 2026 \u00e0 Lom\u00e9, autour du th\u00e8me : \u00ab B\u00e2tir un \u00e9cosyst\u00e8me d\u2019assurance sant\u00e9 viable, inclusif et durable en Afrique \u00bb. Organis\u00e9e par l\u2019Association professionnelle des soci\u00e9t\u00e9s d\u2019assurances du Togo (APSAT), en collaboration avec la F\u00e9d\u00e9ration des soci\u00e9t\u00e9s d\u2019assurances de […]<\/p>\n","protected":false},"author":2,"featured_media":15909,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-15905","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sante"],"yoast_head":"\nAssurance sant\u00e9 en Afrique : Lom\u00e9 au c\u0153ur des d\u2019un symposium \u00a0pour un syst\u00e8me viable et inclusif - 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=15905\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Assurance sant\u00e9 en Afrique : Lom\u00e9 au c\u0153ur des d\u2019un symposium \u00a0pour un syst\u00e8me viable et inclusif - R\u00e9c\u00e9piss\u00e9 N\u00b00026\/12-2020\/pl\/P\" \/>\n<meta property=\"og:description\" content=\"Le symposium sur l\u2019assurance sant\u00e9 en Afrique a officiellement ouvert ses travaux, le mercredi 4 novembre 2026 \u00e0 Lom\u00e9, autour du th\u00e8me : \u00ab B\u00e2tir un \u00e9cosyst\u00e8me d\u2019assurance sant\u00e9 viable, inclusif et durable en Afrique \u00bb. 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