{"id":17534276,"date":"2025-09-23T11:24:32","date_gmt":"2025-09-23T10:24:32","guid":{"rendered":"https:\/\/kapitalis.com\/tunisie\/?p=17534276"},"modified":"2025-09-23T11:24:34","modified_gmt":"2025-09-23T10:24:34","slug":"lotic-pointe-les-defaillances-du-systeme-dassurance-maladie-en-tunisie","status":"publish","type":"post","link":"https:\/\/kapitalis.com\/tunisie\/2025\/09\/23\/lotic-pointe-les-defaillances-du-systeme-dassurance-maladie-en-tunisie\/","title":{"rendered":"L\u2019Otic pointe les d\u00e9faillances du syst\u00e8me d\u2019assurance maladie en Tunisie"},"content":{"rendered":"\n<p><strong><em>Les principales d\u00e9faillances&nbsp;du syst\u00e8me d\u2019assurance&nbsp;maladie&nbsp;en Tunisie, telles que point\u00e9es de doigt par&nbsp;l\u2019Organisation tunisienne pour informer le consommateur (Otic) sont La longueur des d\u00e9lais de remboursement des frais de sant\u00e9 et leur co\u00fbt \u00e9lev\u00e9, le plafond annuel de remboursement inadapt\u00e9&nbsp;et le manque de transparence dans la tarification des services de sant\u00e9.<\/em><\/strong><\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Dans un communiqu\u00e9 publi\u00e9 lundi 22 septembre 2025, l\u2019Otic affirme que ces d\u00e9faillances alourdissent les charges financi\u00e8res des assur\u00e9s sociaux, <em>\u00abpoussant&nbsp;certains \u00e0 reporter leur traitement ou \u00e0 recourir au paiement \u00e9chelonn\u00e9 et \u00e0 l\u2019endettement, et entra\u00eenant, par cons\u00e9quent, une \u00e9rosion de leur pouvoir d\u2019achat\u00bb<\/em>.<\/p>\n\n\n\n<p>Les consommateurs supportent directement entre 38 % et 40 % des d\u00e9penses de sant\u00e9, alors que l\u2019Organisation mondiale de la sant\u00e9 (OMS) recommande de ne pas d\u00e9passer 25 %, rappelle l\u2019Otic, ajoutant, \u00e9galement, que le salaire minimum garanti dans l\u2019industrie ne d\u00e9passe pas 566 512 dinars par mois, ce qui rend le plafond de la couverture sant\u00e9 insuffisant et injuste, \u00e9tant donn\u00e9 l\u2019augmentation constante des co\u00fbts des traitements.<\/p>\n\n\n\n<p>Pour faire face \u00e0 cette situation, l\u2019organisation appelle \u00e0 une r\u00e9forme urgente pour \u00e9quilibrer la contribution de la s\u00e9curit\u00e9 sociale et le co\u00fbt des traitements.<\/p>\n\n\n\n<p>Concernant le retard <em>\u00abinjustifi\u00e9\u00bb<\/em> dans le remboursement des frais par la s\u00e9curit\u00e9 sociale malgr\u00e9 la contribution pr\u00e9alable des salari\u00e9s au financement de la Caisse nationale d\u2019assurance maladie (Cnam), l\u2019Otic note que ces d\u00e9lais d\u00e9passent dans de nombreux cas 5&nbsp;mois, ce qui constitue un <em>\u00abretard administratif et technique injustifi\u00e9\u00bb<\/em>,&nbsp;portant ainsi, <em>\u00abatteinte au principe d\u2019\u00e9galit\u00e9 d\u2019acc\u00e8s aux services de sant\u00e9\u00bb<\/em>.&nbsp;<\/p>\n\n\n\n<p>En effet, le nombre de demandes de remboursement d\u00e9pos\u00e9es dans les centres r\u00e9gionaux et locaux est estim\u00e9 \u00e0 3&nbsp;millions par an, (dont plus de 1 million concernant&nbsp;des personnes atteintes de maladies graves et chroniques), alors que les d\u00e9cisions de prise en charge sont de l\u2019ordre de 1,5&nbsp;million, pr\u00e9cise l\u2019organisation, faisant remarquer que <em>\u00abce retard est de nature \u00e0 aggraver l\u2019\u00e9tat de sant\u00e9\u00bb<\/em> du malade.<\/p>\n\n\n\n<p>L\u2019Otic rel\u00e8ve, en outre, que&nbsp;Le plafond fix\u00e9 pour la couverture sant\u00e9 ne suit pas l\u2019\u00e9volution des prix des m\u00e9dicaments et des services m\u00e9dicaux, ce qui oblige les affili\u00e9s \u00e0 supporter des charges suppl\u00e9mentaires apr\u00e8s seulement quelques mois, outre&nbsp;le non-respect de l\u2019obligation de se conformer \u00e0 la prescription m\u00e9dicale ce qui est de nature \u00e0 priver le b\u00e9n\u00e9ficiaire de la s\u00e9curit\u00e9 sociale de son droit de choisir, et \u00e0 servir exclusivement les int\u00e9r\u00eats des laboratoires internationaux.<\/p>\n\n\n\n<p>S\u2019agissant du manque de transparence dans la tarification des services de sant\u00e9, l\u2019ONG affirme qu\u2019en d\u00e9pit de la loi,&nbsp;de nombreux&nbsp;cliniques et cabinets m\u00e9dicaux ne rendent pas public&nbsp;leurs tarifs&nbsp;<em>\u00abexposant ainsi les patients \u00e0 des factures surprises\u00bb<\/em>. Certains de ces op\u00e9rateurs ne&nbsp;respectent les tarifs des interventions m\u00e9dicales figurant dans les listes de la caisse.<\/p>\n\n\n\n<p>Le 32<sup>e<\/sup> rapport annuel de la Cour des comptes a r\u00e9v\u00e9l\u00e9 de nombreux abus, notamment l\u2019application de marges b\u00e9n\u00e9ficiaires excessives sur certains produits m\u00e9dicaux, atteignant parfois 300 %, souligne encore l\u2019Otic. Les prix de certains m\u00e9dicaments pratiqu\u00e9s par certaines cliniques ont \u00e9galement \u00e9t\u00e9 augment\u00e9s gr\u00e2ce \u00e0 l\u2019application de marges b\u00e9n\u00e9ficiaires ill\u00e9gales allant de 26 % \u00e0 160 % au lieu des 10 % pr\u00e9vus dans le cahier des charges, ajoute l\u2019organisation de d\u00e9fense des consommateurs. Pour elle,&nbsp;cette situation constitue une <em>\u00abviolation flagrante du droit constitutionnel \u00e0 la sant\u00e9 pr\u00e9vu par l\u2019article 38 de la Constitution de la R\u00e9publique tunisienne\u00bb<\/em>. D\u2019o\u00f9 la n\u00e9cessit\u00e9 de prot\u00e9ger ce droit, de proc\u00e9der \u00e0 une r\u00e9forme urgente du&nbsp;syst\u00e8me de s\u00e9curit\u00e9 sociale, de r\u00e9viser la liste des maladies graves et chroniques&nbsp;et d\u2019acc\u00e9l\u00e9rer&nbsp;la g\u00e9n\u00e9ralisation de la&nbsp;carte \u00e9lectronique <em>Labess<\/em>.<\/p>\n\n\n\n<p>L\u2019Otic demande, \u00e9galement, \u00e0 ce que des d\u00e9lais maximaux de 15 jours soient fix\u00e9s pour le traitement et le paiement des demandes de remboursement, \u00e0 r\u00e9viser\u00a0p\u00e9riodiquement\u00a0le plafond annuel, de mani\u00e8re \u00e0 l\u2019adapter au salaire minimum, au pouvoir d\u2019achat et aux indices de l\u2019inflation.<\/p>\n\n\n\n<p><strong><em>D\u2019apr\u00e8s Tap.<\/em><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>L&rsquo;Otic pointe les principales d\u00e9faillances\u00a0du syst\u00e8me d\u2019assurance\u00a0maladie\u00a0en Tunisie, et propose des solutions. <\/p>\n","protected":false},"author":8,"featured_media":17534295,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[998,2433],"tags":[2522,124721,2521,10723,94671,62643],"class_list":["post-17534276","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-societe","category-tunisie","tag-assurance-maladie","tag-assures-sociaux","tag-cnam","tag-malades","tag-otic","tag-tunisie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - 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