{"id":196764,"date":"2023-09-05T21:06:49","date_gmt":"2023-09-05T19:06:49","guid":{"rendered":"https:\/\/reassurez-moi.fr\/guide\/?page_id=196764"},"modified":"2026-02-02T16:34:19","modified_gmt":"2026-02-02T15:34:19","slug":"label-gad","status":"publish","type":"page","link":"https:\/\/guide.reassurez-moi.fr\/guide\/assurance-dependance\/label-gad","title":{"rendered":"Assurance d\u00e9pendance &#8211; Label GAD"},"content":{"rendered":"\n<h1 class=\"wp-block-heading\">D\u00e9finition et crit\u00e8res du label GAD (Garantie Assurance D\u00e9pendance)<\/h1>\n\n\n\n<p><strong>La FFSA a cr\u00e9\u00e9 le label GAD en 2013, afin de guider les personnes \u00e0 la recherche d\u2019un contrat d\u2019assurance d\u00e9pendance. On vous explique tout.&nbsp;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qu\u2019est-ce que le label GAD (Garantie Assurance D\u00e9pendance) ?<\/h2>\n\n\n\n<p><strong>Le label GAD est un label de qualit\u00e9 posant une d\u00e9finition de la perte d\u2019autonomie et garantissant un socle commun de garanties minimales des <\/strong><a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-dependance\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>contrats d\u2019assurance d\u00e9pendance<\/strong><\/a><strong>.\u00a0<\/strong><\/p>\n\n\n\n<p><strong>Il vise alors \u00e0 aider les personnes \u00e0 choisir de mani\u00e8re \u00e9clair\u00e9e une assurance d\u00e9pendance<\/strong> (soit une protection financi\u00e8re) <strong><a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-dependance\/perte-autonomie\">en cas de perte d&rsquo;autonomie<\/a><\/strong> et de d\u00e9pendance d&rsquo;une personne en raison de probl\u00e8mes de sant\u00e9 ou de capacit\u00e9s r\u00e9duites.&nbsp;<\/p>\n\n\n\n<p>Les contrats d\u2019assurance d\u00e9pendance labellis\u00e9s GAD s\u2019engagent alors \u00e0 fournir :&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list is-style-pros-2\">\n<li><strong>Un socle commun de garanties<\/strong> pour l\u2019ensemble de leurs assur\u00e9s ;<\/li>\n\n\n\n<li><strong>Le versement d\u2019une rente minimale<\/strong> en cas de d\u00e9pendance lourde constat\u00e9e ;<\/li>\n\n\n\n<li><strong>Un acc\u00e8s large et facilit\u00e9<\/strong> aux garanties d\u00e9pendance.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-mars-information icon-check\"><i class=\"icon\"><\/i><p>Cela inclut notamment l\u2019absence de questionnaire m\u00e9dical avant 50 ans, sauf en cas d\u2019affection longue dur\u00e9e (ALD) !\u00a0<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Qui b\u00e9n\u00e9ficie du label GAD ?&nbsp;<\/h2>\n\n\n\n<p><strong>Le label GAD s\u2019adresse exclusivement aux contrats d\u2019assurance d\u00e9pendance respectant certains crit\u00e8res pr\u00e9cis.<\/strong><\/p>\n\n\n\n<p>Un organisme rattach\u00e9 \u00e0 la FFA le d\u00e9livre.<\/p>\n\n\n\n<div style=\"height:10px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"wp-block-mars-information icon-info\"><i class=\"icon\"><\/i><p>Il faut garder \u00e0 l\u2019esprit que l\u2019<strong>assurance d\u00e9pendance n\u2019est pas obligatoire<\/strong>, y compris pour les personnes en situation de d\u00e9pendance lourde !<\/p><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Quels sont les 9 crit\u00e8res respect\u00e9s par les contrats labellis\u00e9s GAD ?&nbsp;<\/h2>\n\n\n\n<p><strong>Un contrat d&rsquo;assurance d\u00e9pendance labellis\u00e9 GAD respecte 9 crit\u00e8res cumulatifs :&nbsp;<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list is-style-arrow-right\">\n<li><strong>Utilisation d\u2019un vocabulaire commun<\/strong> : de telle sorte que les garanties soient claire et compr\u00e9hensible par tous, avec un glossaire de 13 termes.<\/li>\n\n\n\n<li><strong>Appr\u00e9ciation commune de la notion de d\u00e9pendance lourde<\/strong> : gr\u00e2ce \u00e0 une grille d\u2019\u00e9valuation concernant les actes \u00e9l\u00e9mentaires de la vie quotidienne (AVQ).<\/li>\n\n\n\n<li><strong>Respect des modalit\u00e9s de revalorisation<\/strong> des garanties, des prestations et des cotisations d\u00e9finies contractuellement.<\/li>\n\n\n\n<li><strong>Acc\u00e8s privil\u00e9gi\u00e9 et facilit\u00e9 \u00e0 des actions de pr\u00e9vention ou d\u2019accompagnement<\/strong> pour l\u2019assur\u00e9 ou ses proches (d\u00e8s la souscription d\u2019un contrat d\u2019assurance d\u00e9pendance).<\/li>\n\n\n\n<li><strong>Absence de s\u00e9lection m\u00e9dicale ou de questionnaire m\u00e9dical<\/strong> pour toute souscription avant les 50 ans de l\u2019assur\u00e9 (sauf si l\u2019assur\u00e9 est atteint d\u2019invalidit\u00e9 ou d\u2019une ALD).<\/li>\n\n\n\n<li><strong><a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-dependance\/rente\">Versement d\u2019une rente<\/a><\/strong> (peu importe la date \u00e0 laquelle l\u2019assur\u00e9 devient en situation de d\u00e9pendance lourde).<\/li>\n\n\n\n<li><strong>Versement \u00e9galement d\u2019une rente mensuelle minimale de 500 \u20ac<\/strong> (en cas de d\u00e9pendance lourde av\u00e9r\u00e9e).<\/li>\n\n\n\n<li><strong>Communication d\u2019une information annuelle relative au contrat d\u00e9pendance<\/strong>, destin\u00e9e \u00e0 r\u00e9capituler le montant des garanties, leur revalorisation ainsi que le calcul des cotisations.<\/li>\n\n\n\n<li><strong>Explication des conditions de maintien partiel des garanties<\/strong>, y compris en cas d\u2019interruption du paiement des cotisations.<\/li>\n<\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">Comment est appr\u00e9ci\u00e9e la d\u00e9pendance lourde du label GAD ?&nbsp;<\/h2>\n\n\n\n<p><strong>Dans le cadre du label GAD, l\u2019\u00e9tat de d\u00e9pendance lourde suit les conditions cumulatives suivantes :&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li>L&rsquo;\u00e9tat de sant\u00e9 est consolid\u00e9 en l\u2019\u00e9tat actuel des connaissances m\u00e9dicales ;<\/li>\n\n\n\n<li>Il justifie d\u00e9finitivement l\u2019assistance d\u2019une tierce personne afin d\u2019accomplir les actes \u00e9l\u00e9mentaires de la vie quotidienne (AVQ) ;<\/li>\n\n\n\n<li>Enfin, le M\u00e9decin conseil de l&rsquo;assureur reconna\u00eet l\u2019\u00e9tat de d\u00e9pendance.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:16px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p><strong>Pour trouver la meilleure assurance d\u00e9pendance selon vos besoins sp\u00e9cifiques et de votre budget, n\u2019h\u00e9sitez pas \u00e0 utiliser <a href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-dependance\" target=\"_blank\" rel=\"noreferrer noopener\">notre comparateur en ligne (et 100% gratuit)<\/a> ! <\/strong>En quelques clics, vous aurez ainsi acc\u00e8s \u00e0 plusieurs devis d\u00e9taill\u00e9s :\u00a0<\/p>\n\n\n\n<div class=\"wp-block-rm-advertizing-block fix-in-sidebar advertising-block-sidebar-item\">\n    <div class=\"image-container flex justify-center align-items-center\">\n        <img decoding=\"async\" src=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2025\/06\/team_opti_short.png\"\n             alt=\"reassurez-moi illustration\"\n             class=\"wp-block-rm-advertizing-image\"\n             loading=\"lazy\"\n        \/>\n    <\/div>\n    <div class=\"rm-advertblock-container flex flex-column justify-center align-items-start\">\n        <p class=\"wp-block-rm-advertizing-text\">\n            Assurance d\u00e9pendance\n        <\/p>\n        <p class=\"wp-block-rm-advertizing-sub-text\">\n            les meilleures offres 2026\n        <\/p>\n        <a\n            href=\"https:\/\/reassurez-moi.fr\/guide\/assurance-dependance\"\n            class=\"wp-block-rm-advertizing-button\"\n        >\n            <span class=\"wp-block-rm-advertizing-button-text\">\n                Comparer\n            <\/span>\n            <span class=\"wp-block-rm-advertizing-button-sub-text\">\n                les assurances d\u00e9pendance\n            <\/span>\n        <\/a>\n    <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Qui sont les cr\u00e9ateurs du label Garantie Assurance D\u00e9pendance ?<\/h2>\n\n\n\n<p><strong>La F\u00e9d\u00e9ration Fran\u00e7aise des Soci\u00e9t\u00e9s d\u2019Assurances a cr\u00e9\u00e9 le label GAD.<\/strong><\/p>\n\n\n\n<p>Son objectif \u00e9tait ainsi de mettre au point un v\u00e9ritable r\u00e9f\u00e9rentiel destin\u00e9 \u00e0 fournir un socle technique minimum de couverture, \u00e0 m\u00eame de faciliter la comparaison des contrats d\u2019assurance d\u00e9pendance ainsi que la compr\u00e9hension de leurs garanties pour les assur\u00e9s.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Quelles sont les exclusions d\u2019un contrat d\u2019assurance d\u00e9pendance ?<\/h2>\n\n\n\n<p><strong>Les exclusions courantes d\u2019un contrat d\u00e9pendance incluent notamment les sinistres r\u00e9sultant :&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list is-style-arrow-right\">\n<li>Du fait volontaire ou intentionnel de l\u2019assur\u00e9 (tentative de suicide, automutilation \u2026) ;<\/li>\n\n\n\n<li>De l\u2019usage de stup\u00e9fiants non ordonn\u00e9s m\u00e9dicalement ;<\/li>\n\n\n\n<li>De la consommation chronique d\u2019alcool entra\u00eenant des complications physiques ou neuropsychiatriques ;<\/li>\n\n\n\n<li>D\u2019un accident de la route, avec consommation de boissons alcoolis\u00e9es constat\u00e9e par un taux d\u2019alcool\u00e9mie \u00e9gal ou sup\u00e9rieur au taux autoris\u00e9 par la l\u00e9gislation en vigueur au moment du sinistre ;<\/li>\n\n\n\n<li>De l\u2019usage de v\u00e9hicules \u00e0 moteur \u00e0 l\u2019occasion de comp\u00e9titions (courses, rallyes de vitesse, d\u00e9monstrations, acrobaties \u2026) ;<\/li>\n\n\n\n<li>\u00a0De risques a\u00e9riens encourus lors de comp\u00e9titions (tentatives de records, vols d\u2019essai sur prototype \u2026) ;<\/li>\n\n\n\n<li>D\u2019une guerre civile ou \u00e9trang\u00e8re, d\u2019\u00e9meute, de rixe ou d\u2019actes de terrorisme dans lesquels l\u2019assur\u00e9 a activement particip\u00e9 ;<\/li>\n\n\n\n<li>De la pratique d\u2019activit\u00e9s sportives dangereuses ou consid\u00e9r\u00e9es comme \u00e0 risques (escalade, parapente, parachute, saut \u00e0 l\u2019\u00e9lastique \u2026) ;<\/li>\n\n\n\n<li>D\u2019une affection longue dur\u00e9e (ALD).<\/li>\n<\/ul>\n\n\n\n<div style=\"height:50px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1693482833124\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Qu\u2019est-ce que le label GAD (Garantie Assurance D\u00e9pendance) ?<\/h3> <p class=\"schema-faq-answer\">Le label GAD (Garantie Assurance D\u00e9pendance) est un label de qualit\u00e9 posant une <strong>d\u00e9finition de la perte d\u2019autonomie<\/strong> et garantissant un <strong>socle commun de garanties minimales des contrats d\u2019assurance d\u00e9pendance<\/strong>.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1693482844535\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>\u00c0 qui s\u2019adresse le label GAD ?<\/h3> <p class=\"schema-faq-answer\">Le label GAD s\u2019adresse exclusivement aux <strong>contrats d\u2019assurance d\u00e9pendance<\/strong> respectant certains crit\u00e8res pr\u00e9cis. Il est d\u00e9livr\u00e9 par un organisme rattach\u00e9 \u00e0 la FFA.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1693482906793\"><h3 class=\"schema-faq-question my-0 font-semibold\"><strong>Est-ce qu\u2019il existe des exclusions de garanties dans un contrat d\u2019assurance d\u00e9pendance ?<\/h3> <p class=\"schema-faq-answer\"><strong>Oui<\/strong>, comme tout autre contrat d\u2019assurance, un contrat d\u2019assurance d\u00e9pendance comporte certaines exclusions de garanties.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>D\u00e9finition et crit\u00e8res du label GAD (Garantie Assurance D\u00e9pendance) La FFSA a cr\u00e9\u00e9 le label GAD en 2013, afin de guider les personnes \u00e0 la recherche d\u2019un contrat d\u2019assurance d\u00e9pendance. On vous explique tout.&nbsp; Qu\u2019est-ce que le label GAD (Garantie Assurance D\u00e9pendance) ? Le label GAD est un label de qualit\u00e9 posant une d\u00e9finition de\u2026<\/p>\n","protected":false},"author":86,"featured_media":0,"parent":18131,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"categories":[],"page_topic":[604],"class_list":["post-196764","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.7 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Label GAD Assurance D\u00e9pendance : crit\u00e8res des contrats labellis\u00e9s<\/title>\n<meta name=\"description\" content=\"Le label GAD est un label de qualit\u00e9 pour les assurances d\u00e9pendance. 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Focus sur sa d\u00e9finition et ses crit\u00e8res.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/guide.reassurez-moi.fr\/guide\/assurance-dependance\/label-gad\" \/>\n<meta property=\"og:site_name\" content=\"R\u00e9assurez-moi\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/R%c3%a9assurez-moi-209456495889479\/\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-02T15:34:19+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/guide.reassurez-moi.fr\/guide\/wp-content\/uploads\/2018\/04\/image-de-partage.png\" \/>\n\t<meta property=\"og:image:width\" content=\"500\" \/>\n\t<meta property=\"og:image:height\" content=\"160\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:site\" content=\"@reassurezmoi\" \/>\n<meta name=\"twitter:label1\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data1\" content=\"5 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\/\/guide.reassurez-moi.fr\/guide\/assurance-dependance\/label-gad\",\"url\":\"https:\/\/guide.reassurez-moi.fr\/guide\/assurance-dependance\/label-gad\",\"name\":\"Label GAD Assurance D\u00e9pendance : crit\u00e8res des contrats labellis\u00e9s\",\"isPartOf\":{\"@id\":\"https:\/\/guide.reassurez-moi.fr\/guide\/#website\"},\"datePublished\":\"2023-09-05T19:06:49+00:00\",\"dateModified\":\"2026-02-02T15:34:19+00:00\",\"description\":\"Le label GAD est un label de qualit\u00e9 pour les assurances d\u00e9pendance. 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