{"id":21853,"date":"2025-09-24T08:48:47","date_gmt":"2025-09-24T06:48:47","guid":{"rendered":"https:\/\/projet.helpfrontaliers.ch\/?page_id=21853"},"modified":"2026-04-15T18:18:44","modified_gmt":"2026-04-15T16:18:44","slug":"assurance-maladie-cmu-lamal","status":"publish","type":"page","link":"https:\/\/helpfrontaliers.ch\/en\/frontaliers\/assurance-maladie-cmu-lamal\/","title":{"rendered":"Health insurance (CMU or LAMal?)"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"21853\" class=\"elementor elementor-21853\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2041aba1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2041aba1\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-408979c7\" data-id=\"408979c7\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3538c29c elementor-hidden-tablet elementor-hidden-mobile elementor-widget elementor-widget-spacer\" data-id=\"3538c29c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3653503e elementor-widget elementor-widget-heading\" data-id=\"3653503e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>CMU (France) ou LAMal (Suisse) : quelles diff\u00e9rences ? <\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7f9925dd elementor-widget elementor-widget-spacer\" data-id=\"7f9925dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-45f46689 elementor-widget elementor-widget-text-editor\" data-id=\"45f46689\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"cvGsUA direction-ltr align-start para-style-body\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Lorsqu&rsquo;on travaille en Suisse, une question revient souvent : faut-il choisir la CMU (PUMA) en France ou la LAMal en Suisse pour son assurance maladie ?<\/span><\/p><p class=\"cvGsUA direction-ltr align-start para-style-body\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Ces deux syst\u00e8mes couvrent les soins, mais fonctionnent diff\u00e9remment. Voici un guide comparatif.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1dab084c elementor-widget elementor-widget-spacer\" data-id=\"1dab084c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"gt3-core-button--alignment_inline elementor-element elementor-element-4e4c9ca elementor-widget__width-initial elementor-widget elementor-widget-gt3-core-button\" data-id=\"4e4c9ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"gt3-core-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"gt3_module_button_elementor size_custom alignment_inline button_icon_none hover_type5 rounded\">\r\n\t\t<a class=\"button_size_elementor_custom alignment_inline border_icon_none hover_type5 btn_icon_position_left\" href=\"https:\/\/global-simulation.ch\/help-frontaliers\/simulateur-cmu-lamal\" target=\"_blank\" rel=\"noopener\">\r\n\t\t\t\t<span class=\"gt3_module_button__container\">\r\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor_gt3_btn_text\">Simulation<\/span>\t\t\t\t\t\t<span class=\"gt3_module_button__cover front\"><\/span>\r\n\t\t\t\t\t\t<span class=\"gt3_module_button__cover back\"><\/span>\r\n\t\t\t\t\t\t\t\t\t<\/span>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\r\n<script type=\"application\/json\" id=\"settings--4e4c9ca\">[]<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"gt3-core-button--alignment_inline elementor-element elementor-element-2e082b34 elementor-widget elementor-widget-gt3-core-button\" data-id=\"2e082b34\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"gt3-core-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"gt3_module_button_elementor size_custom alignment_inline button_icon_none hover_type5 rounded\">\r\n\t\t<a class=\"button_size_elementor_custom alignment_inline border_icon_none hover_type5 btn_icon_position_left\" href=\"\/en\/nous-contacter\/\">\r\n\t\t\t\t<span class=\"gt3_module_button__container\">\r\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor_gt3_btn_text\">Contact<\/span>\t\t\t\t\t\t<span class=\"gt3_module_button__cover front\"><\/span>\r\n\t\t\t\t\t\t<span class=\"gt3_module_button__cover back\"><\/span>\r\n\t\t\t\t\t\t\t\t\t<\/span>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\r\n<script type=\"application\/json\" id=\"settings--2e082b34\">[]<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-30297346\" data-id=\"30297346\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-602af89b elementor-widget elementor-widget-image\" data-id=\"602af89b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"480\" height=\"480\" src=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/1-1-480x480.png\" class=\"attachment-gt3theme_mobile size-gt3theme_mobile wp-image-21855\" alt=\"\" srcset=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/1-1-480x480.png 480w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/1-1-300x300.png 300w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/1-1-150x150.png 150w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/1-1-768x768.png 768w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/1-1.png 1000w\" sizes=\"(max-width: 480px) 100vw, 480px\" title=\"1\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t<div class=\"elementor-element elementor-element-6d41fe9 e-flex e-con-boxed e-con e-parent\" data-id=\"6d41fe9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-660d34d elementor-widget elementor-widget-html\" data-id=\"660d34d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<iframe\r\n  id=\"simulateur-interet\"\r\n  src=\"https:\/\/global-simulation.ch\/help-frontaliers\/simulateur-cmu-lamal\"\r\n  title=\"Simulateur CMU LAMal\"\r\n  width=\"100%\"\r\n  style=\"    border: none;    border-radius: 12px;    box-shadow: 0 4px 6px rgba(0, 0, 0, 0.1);    max-width: 100%;  \"\r\n  allow=\"fullscreen\"\r\n  loading=\"lazy\"\r\n><\/iframe>\r\n\r\n<script src=\"https:\/\/cdnjs.cloudflare.com\/ajax\/libs\/iframe-resizer\/4.3.2\/iframeResizer.min.js\"><\/script>\r\n<script>\r\n  iFrameResize({ log: false }, '#simulateur-interet');\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a59744a e-flex e-con-boxed e-con e-parent\" data-id=\"a59744a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-23ab68b elementor-widget elementor-widget-spacer\" data-id=\"23ab68b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f904d22 e-flex e-con-boxed e-con e-parent\" data-id=\"f904d22\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6ffe38c elementor-widget elementor-widget-heading\" data-id=\"6ffe38c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>La CMU (PUMA) en France<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-dda4847 elementor-widget elementor-widget-text-editor\" data-id=\"dda4847\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"cvGsUA direction-ltr align-start para-style-body\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">La CMU, devenue depuis 2016, la Protection Universelle Maladie (PUMA), permet aux r\u00e9sidents fran\u00e7ais d\u2019avoir une couverture sant\u00e9 via la S\u00e9curit\u00e9 Sociale.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cf24a70 e-flex e-con-boxed e-con e-parent\" data-id=\"cf24a70\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7bbc3d8 e-con-full e-flex e-con e-child\" data-id=\"7bbc3d8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-af56a77 elementor-widget elementor-widget-html\" data-id=\"af56a77\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\r\n<style>\r\n\r\n.hf-acc {\r\n  max-width: 560px !important;\r\n  font-family: 'Poppins', sans-serif !important;\r\n}\r\n\r\n.hf-acc-item {\r\n  background: #f5f5fe !important;\r\n  border-radius: 14px !important;\r\n  margin: 12px 0 !important;\r\n  border: 1px solid rgba(45,0,104,.08) !important;\r\n  overflow: hidden !important;\r\n}\r\n\r\n.hf-acc-head {\r\n  display: flex !important;\r\n  align-items: center !important;\r\n  justify-content: space-between !important;\r\n  gap: 12px !important;\r\n  padding: 14px 18px !important;\r\n  cursor: pointer !important;\r\n  position: relative !important;\r\n}\r\n\r\n.hf-acc-title {\r\n  color: #2d0068 !important;\r\n  font-weight: 700 !important;\r\n  font-size: 16px !important;\r\n}\r\n\r\n.hf-acc-icn {\r\n  width: 32px !important;\r\n  height: 32px !important;\r\n  flex: 0 0 32px !important;\r\n  object-fit: contain !important;\r\n  display: block !important;\r\n  background: none !important;\r\n  border: none !important;\r\n  box-shadow: none !important;\r\n  outline: none !important;\r\n  padding: 0 !important;\r\n  margin: 0 !important;\r\n}\r\n\r\n\r\n.hf-acc-item:not(.open) .hf-acc-icn {\r\n  transform: scale(1.2) !important;\r\n  transform-origin: center !important;\r\n  background: transparent !important;\r\n  background-color: transparent !important;\r\n  filter: none !important;\r\n}\r\n\r\n.hf-acc-item.open .hf-acc-icn {\r\n  transform: none !important;\r\n  background: transparent !important;\r\n  background-color: transparent !important;\r\n  filter: none !important;\r\n}\r\n\r\n\r\n.hf-acc-body {\r\n  display: none !important;\r\n  padding: 0 18px 16px !important;\r\n  color: #2a3997 !important;\r\n  font-weight: 400 !important;\r\n  font-size: 15px !important;\r\n  line-height: 1.6 !important;\r\n}\r\n.hf-acc-item.open .hf-acc-body {\r\n  display: block !important;\r\n}\r\n\r\n.hf-acc-head::before,\r\n.hf-acc-head::after {\r\n  content: none !important;\r\n  background: none !important;\r\n  border: none !important;\r\n  box-shadow: none !important;\r\n  display: none !important;\r\n}\r\n\r\n\r\n.hf-btn { display: inline-block; margin-top: 10px; padding: 10px 18px; background: #234981; color: #fff; border-radius: 8px; text-decoration: none; font-weight: 600; transition: background .2s; font-size: 14px; } \r\n\r\n\r\n<\/style>\r\n<div class=\"hf-acc\">\r\n  <div class=\"hf-acc-item open\">\r\n    <div class=\"hf-acc-head\">\r\n      <span class=\"hf-acc-title\">Cotisations<\/span>\r\n      <img class=\"hf-acc-icn\" src=\"\/wp-content\/uploads\/2025\/09\/top.png\" alt=\"\" decoding=\"async\" \/>\r\n    <\/div>\r\n    <div class=\"hf-acc-body\">\r\n      Elles sont calcul\u00e9es sur les revenus fiscaux, g\u00e9n\u00e9ralement 8 % de la part d\u00e9passant un certain seuil.\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"hf-acc-item\">\r\n    <div class=\"hf-acc-head\">\r\n      <span class=\"hf-acc-title\">Soins pris en charge<\/span>\r\n      <img class=\"hf-acc-icn\" src=\"\/wp-content\/uploads\/2025\/09\/bottom.png\" alt=\"\" decoding=\"async\" \/>\r\n    <\/div>\r\n    <div class=\"hf-acc-body\">\r\n      La PUMA couvre principalement les soins r\u00e9alis\u00e9s en France, avec les m\u00eames remboursements que la S\u00e9curit\u00e9 sociale classique.\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"hf-acc-item\">\r\n    <div class=\"hf-acc-head\">\r\n      <span class=\"hf-acc-title\">Compl\u00e9mentaire sant\u00e9<\/span>\r\n      <img class=\"hf-acc-icn\" src=\"\/wp-content\/uploads\/2025\/09\/bottom.png\" alt=\"\" decoding=\"async\" \/>\r\n    <\/div>\r\n    <div class=\"hf-acc-body\">\r\n      Il est recommand\u00e9 d\u2019ajouter une mutuelle pour compl\u00e9ter les remboursements (hospitalisation, lunettes, dentaire\u2026).<br><br>\r\n      <a href=\"\/en\/mutuelle-sante\/\" class=\"hf-btn\">Simulation mutuelle<\/a>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"hf-acc-item\">\r\n    <div class=\"hf-acc-head\">\r\n      <span class=\"hf-acc-title\">Public concern\u00e9<\/span>\r\n      <img class=\"hf-acc-icn\" src=\"\/wp-content\/uploads\/2025\/09\/bottom.png\" alt=\"\" decoding=\"async\" \/>\r\n    <\/div>\r\n    <div class=\"hf-acc-body\">\r\n      Frontaliers travaillant en Suisse qui choisissent l\u2019option fran\u00e7aise.\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n\r\n<script>\r\ndocument.addEventListener('DOMContentLoaded', function(){\r\n  const TOP = '\/wp-content\/uploads\/2025\/09\/top.png';\r\n  const BOT = '\/wp-content\/uploads\/2025\/09\/bottom.png';\r\n\r\n  const items = document.querySelectorAll('.hf-acc-item');\r\n  function setIcons(){\r\n    items.forEach(it=>{\r\n      const icn = 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src=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/2-1-480x480.png\" class=\"attachment-gt3theme_mobile size-gt3theme_mobile wp-image-21856\" alt=\"\" srcset=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/2-1-480x480.png 480w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/2-1-300x300.png 300w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/2-1-150x150.png 150w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/2-1-768x768.png 768w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/2-1.png 1000w\" sizes=\"(max-width: 480px) 100vw, 480px\" title=\"2\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6985f62 e-flex e-con-boxed e-con e-parent\" data-id=\"6985f62\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b562ff3 elementor-widget elementor-widget-spacer\" data-id=\"b562ff3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-690a960 e-flex e-con-boxed e-con e-parent\" data-id=\"690a960\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae0cef elementor-widget elementor-widget-heading\" data-id=\"3ae0cef\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>La LAMal en Suisse<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-4f08943 elementor-widget elementor-widget-text-editor\" data-id=\"4f08943\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"cvGsUA direction-ltr align-start para-style-body\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">La LAMal (Loi f\u00e9d\u00e9rale sur l\u2019assurance-maladie) est l\u2019assurance obligatoire pour les r\u00e9sidents suisses\u2026 mais aussi une option pour les frontaliers.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c3e76d5 e-flex e-con-boxed e-con e-parent\" data-id=\"c3e76d5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-52b4c8c e-con-full e-flex e-con e-child\" data-id=\"52b4c8c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-72c2d83 elementor-widget elementor-widget-image\" data-id=\"72c2d83\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"480\" height=\"480\" src=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/3-2-480x480.png\" class=\"attachment-gt3theme_mobile size-gt3theme_mobile wp-image-21857\" alt=\"\" srcset=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/3-2-480x480.png 480w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/3-2-300x300.png 300w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/3-2-150x150.png 150w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/3-2-768x768.png 768w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/3-2.png 1000w\" sizes=\"(max-width: 480px) 100vw, 480px\" title=\"3\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a3b2ec6 e-con-full e-flex e-con e-child\" data-id=\"a3b2ec6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3cd0fab elementor-widget elementor-widget-html\" data-id=\"3cd0fab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\r\n.hf-acc {\r\n  max-width: 560px !important;\r\n  font-family: 'Poppins', sans-serif !important;\r\n}\r\n\r\n.hf-acc-item {\r\n  background: #f5f5fe !important;\r\n  border-radius: 14px !important;\r\n  margin: 12px 0 !important;\r\n  border: 1px solid rgba(45,0,104,.08) !important;\r\n  overflow: hidden !important;\r\n}\r\n\r\n.hf-acc-head {\r\n  display: flex !important;\r\n  align-items: center !important;\r\n  justify-content: space-between !important;\r\n  gap: 12px !important;\r\n  padding: 14px 18px !important;\r\n  cursor: pointer !important;\r\n  position: relative !important;\r\n}\r\n\r\n.hf-acc-title {\r\n  color: #2d0068 !important;\r\n  font-weight: 700 !important;\r\n  font-size: 16px !important;\r\n}\r\n\r\n\r\n.hf-acc-icn {\r\n  width: 32px !important;\r\n  height: 32px !important;\r\n  flex: 0 0 32px !important;\r\n  object-fit: contain !important;\r\n  display: block !important;\r\n  background: none !important;\r\n  border: none !important;\r\n  box-shadow: none !important;\r\n  outline: none !important;\r\n  padding: 0 !important;\r\n  margin: 0 !important;\r\n}\r\n\r\n\r\n.hf-acc-item:not(.open) .hf-acc-icn {\r\n  transform: scale(1.2) !important;\r\n  transform-origin: center !important;\r\n  background: transparent !important;\r\n  background-color: transparent !important;\r\n  filter: none !important;\r\n}\r\n\r\n\r\n.hf-acc-item.open .hf-acc-icn {\r\n  transform: none !important;\r\n  background: transparent !important;\r\n  background-color: transparent !important;\r\n  filter: none !important;\r\n}\r\n\r\n\r\n.hf-acc-body {\r\n  display: none !important;\r\n  padding: 0 18px 16px !important;\r\n  color: #2a3997 !important;\r\n  font-weight: 400 !important;\r\n  font-size: 15px !important;\r\n  line-height: 1.6 !important;\r\n}\r\n.hf-acc-item.open .hf-acc-body {\r\n  display: block !important;\r\n}\r\n\r\n.hf-acc-head::before,\r\n.hf-acc-head::after {\r\n  content: none !important;\r\n  background: none !important;\r\n  border: none !important;\r\n  box-shadow: none !important;\r\n  display: none !important;\r\n}\r\n\r\n\r\n.hf-btn { display: inline-block; margin-top: 10px; padding: 10px 18px; background: #234981; color: #fff; border-radius: 8px; text-decoration: none; font-weight: 600; transition: background .2s; font-size: 14px; } \r\n\r\n\r\n<\/style>\r\n<div class=\"hf-acc\">\r\n  <div class=\"hf-acc-item open\">\r\n    <div class=\"hf-acc-head\">\r\n      <span class=\"hf-acc-title\">Cotisations<\/span>\r\n      <img class=\"hf-acc-icn\" src=\"\/wp-content\/uploads\/2025\/09\/top.png\" alt=\"\" decoding=\"async\" \/>\r\n    <\/div>\r\n    <div class=\"hf-acc-body\">\r\n     Elles sont forfaitaires, c\u2019est-\u00e0-dire qu\u2019elles ne d\u00e9pendent pas du revenu mais de l\u2019\u00e2ge, du canton et de la caisse choisie.\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"hf-acc-item\">\r\n    <div class=\"hf-acc-head\">\r\n      <span class=\"hf-acc-title\">Soins pris en charge<\/span>\r\n      <img class=\"hf-acc-icn\" src=\"\/wp-content\/uploads\/2025\/09\/bottom.png\" alt=\"\" decoding=\"async\" \/>\r\n    <\/div>\r\n    <div class=\"hf-acc-body\">\r\n      La LAMal couvre les soins en Suisse et en France (gr\u00e2ce \u00e0 un accord bilat\u00e9ral).\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"hf-acc-item\">\r\n    <div class=\"hf-acc-head\">\r\n      <span class=\"hf-acc-title\"> Franchise et quote-part<\/span>\r\n      <img class=\"hf-acc-icn\" src=\"\/wp-content\/uploads\/2025\/09\/bottom.png\" alt=\"\" decoding=\"async\" \/>\r\n    <\/div>\r\n    <div class=\"hf-acc-body\">\r\n      En Suisse, l\u2019assur\u00e9 doit d\u2019abord payer une partie des soins (franchise), puis une participation (quote-part).\r\n      \r\n    <\/div>\r\n  <\/div>\r\n\r\n\r\n  <div class=\"hf-acc-item\">\r\n    <div class=\"hf-acc-head\">\r\n      <span class=\"hf-acc-title\">Compl\u00e9mentaire sant\u00e9<\/span>\r\n      <img class=\"hf-acc-icn\" src=\"\/wp-content\/uploads\/2025\/09\/bottom.png\" alt=\"\" decoding=\"async\" \/>\r\n    <\/div>\r\n    <div class=\"hf-acc-body\">\r\n      Il est recommand\u00e9 d\u2019ajouter une mutuelle pour compl\u00e9ter les remboursements (hospitalisation, lunettes, dentaire\u2026).<br><br>\r\n      <a href=\"\/en\/mutuelle-sante\/\" class=\"hf-btn\">Compl\u00e9mentaire sant\u00e9<\/a>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"hf-acc-item\">\r\n    <div class=\"hf-acc-head\">\r\n      <span class=\"hf-acc-title\">Public concern\u00e9<\/span>\r\n      <img class=\"hf-acc-icn\" src=\"\/wp-content\/uploads\/2025\/09\/bottom.png\" alt=\"\" decoding=\"async\" \/>\r\n    <\/div>\r\n    <div class=\"hf-acc-body\">\r\n      Frontaliers qui veulent acc\u00e9der directement aux soins suisses et avoir une couverture internationale plus large.\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\ndocument.addEventListener('DOMContentLoaded', function(){\r\n  const TOP = '\/wp-content\/uploads\/2025\/09\/top.png';\r\n  const BOT = '\/wp-content\/uploads\/2025\/09\/bottom.png';\r\n\r\n  const items = document.querySelectorAll('.hf-acc-item');\r\n  function setIcons(){\r\n    items.forEach(it=>{\r\n      const icn = it.querySelector('.hf-acc-icn');\r\n      if(!icn) return;\r\n      icn.src = it.classList.contains('open') ? TOP : BOT;\r\n      icn.width = 32; \r\n      icn.height = 32; \r\n    });\r\n  }\r\n  setIcons();\r\n\r\n  items.forEach(item=>{\r\n    item.querySelector('.hf-acc-head').addEventListener('click', ()=>{\r\n      items.forEach(i=>i.classList.remove('open'));\r\n      item.classList.add('open');\r\n      setIcons();\r\n    });\r\n  });\r\n});\r\n<\/script>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3fafcfd e-con-full e-flex e-con e-parent\" data-id=\"3fafcfd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-354bb41 elementor-widget elementor-widget-html\" data-id=\"354bb41\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<link href=\"https:\/\/fonts.googleapis.com\/css2?family=Poppins:wght@400;600;700;800&display=swap\" rel=\"stylesheet\">\r\n\r\n<style>\r\n  .lf-coverage{\r\n    font-family:\"Poppins\",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;\r\n    display:flex;justify-content:center;\r\n    padding:28px 16px;\r\n  }\r\n\r\n  .lf-card{\r\n    background:#f5f5fe;\r\n    border-radius:28px;\r\n    box-shadow:0 8px 24px rgba(0,0,0,.08);\r\n    padding:40px 40px 36px;   \r\n    max-width:1100px;width:100%;\r\n  }\r\n\r\n  \/* ===== Logo ===== *\/\r\n  .lf-logo{\r\n    display:block;\r\n    margin:0 auto 42px auto;\r\n    width:185px;\r\n    height:auto;\r\n    max-width:100%;\r\n  }\r\n\r\n  \/* ===== Contenu ===== *\/\r\n  .lf-body{\r\n    max-width:none;\r\n    padding:0 12px;\r\n    margin:0 auto;\r\n    text-align:left;\r\n  }\r\n\r\n  \/* ===== Titre ===== *\/\r\n  .lf-title{\r\n    color:#2d0068;\r\n    font-weight:800;\r\n    font-size:18px !important;\r\n    text-align:center;\r\n    margin:0 0 22px 0;\r\n    line-height:1.4;\r\n  }\r\n\r\n  \/* ===== Texte & Liste ===== *\/\r\n  .lf-intro,\r\n  .lf-list{\r\n    color:#2a3997;\r\n    font-size:16px;\r\n    line-height:1.7;\r\n    margin:0;\r\n  }\r\n\r\n  .lf-intro{ margin-bottom:10px; }\r\n\r\n  .lf-list{\r\n    list-style-type:disc;\r\n    margin-top:8px;\r\n    padding-left:0;\r\n  }\r\n\r\n  .lf-list li{\r\n    margin:6px 0;\r\n    padding-left:0;\r\n  }\r\n\r\n  .lf-cta { \r\n    text-align:center; \r\n    margin-top:34px;  \r\n  }\r\n\r\n  .lf-cta .hf-btn{\r\n    display:inline-block;\r\n    background:#234881;\r\n    color:#fff;\r\n    text-decoration:none;\r\n    font-weight:700;\r\n    font-size:16px;\r\n    padding:6px 26px;\r\n    border-radius:12px;\r\n    transition:transform .15s ease, opacity .15s ease;\r\n    margin:0 auto;\r\n  }\r\n  .lf-cta .hf-btn:hover{ transform:translateY(-1px); opacity:.92; }\r\n\r\n  \/* ===== Responsive ===== *\/\r\n  @media (max-width:1024px){\r\n    .lf-card{padding:34px 26px 30px;border-radius:24px;}\r\n    .lf-logo{width:165px;margin-bottom:32px;}\r\n    .lf-title{font-size:18px !important;margin-bottom:18px;}\r\n    .lf-cta{margin-top:28px;} \r\n    .lf-cta .hf-btn{margin:12px auto 0;padding:6px 26px;font-size:15px;}\r\n  }\r\n\r\n  @media (max-width:720px){\r\n    .lf-coverage{padding:16px 6px;}\r\n    .lf-card{padding:24px 10px;border-radius:22px;}\r\n    .lf-logo{width:140px;margin-bottom:30px;}\r\n    .lf-title{font-size:17px !important;margin-bottom:14px;}\r\n    .lf-intro,.lf-list{font-size:15px;line-height:1.65;}\r\n    .lf-list li{margin:5px 0;}\r\n    .lf-cta{margin-top:28px;}\r\n    .lf-cta .hf-btn{padding:4px 20px;}\r\n  }\r\n<\/style>\r\n\r\n<section class=\"lf-coverage\" aria-labelledby=\"lf-title\">\r\n  <article class=\"lf-card\">\r\n    <img decoding=\"async\" class=\"lf-logo\" src=\"\/wp-content\/uploads\/2025\/10\/logo_la_frontaliere.png\" alt=\"La Frontali\u00e8re - Mutuelle Sant\u00e9 Pr\u00e9voyance\">\r\n\r\n    <div class=\"lf-body\">\r\n      <h2 id=\"lf-title\" class=\"lf-title\">Choisir entre la LAMal & la CMU<\/h2>\r\n\r\n      <p class=\"lf-intro\">\r\n        Choisir votre assurance-maladie peut etre un choix d\u00e9licat. Pour faciliter votre d\u00e9cision, vous avez la possibilit\u00e9 de faire une simulation directement en ligne afin d\u2019obtenir un tarif que vous optiez pour la LAMal ou la CMU. Nos conseillers peuvent aussi vous accompagner !\r\n      <\/p>\r\n\r\n      <div class=\"lf-cta\">\r\n        <a class=\"hf-btn\" href=\"https:\/\/calendar.app.google\/KENts6pUYnQp4VLy6\" target=\"_blank\" rel=\"noopener\">Rendez-vous gratuit<\/a>\r\n      <\/div>\r\n    <\/div>\r\n  <\/article>\r\n<\/section>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02a8842 e-flex e-con-boxed e-con e-parent\" data-id=\"02a8842\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-89be016 elementor-widget elementor-widget-spacer\" data-id=\"89be016\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c64a49 e-flex e-con-boxed e-con e-parent\" data-id=\"6c64a49\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9add3c5 elementor-widget elementor-widget-heading\" data-id=\"9add3c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>CMU (France) ou LAMal (Suisse) : <br \/>\nquelles diff\u00e9rences ?<\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-26c7ffa elementor-widget elementor-widget-text-editor\" data-id=\"26c7ffa\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"cvGsUA direction-ltr align-center para-style-body\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Un tableau qui vous r\u00e9sume simplement les diff\u00e9rences entre les deux syst\u00e8mes.<\/span><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none white-space-prewrap\"> <\/span><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Il est toujours recommand\u00e9 de faire une simulation pour connaitre le montant des cotisations, la prise en charge etc.. Faites le directement gr\u00e2ce \u00e0 nos simulateurs.<\/span><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none white-space-prewrap\"> <\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fad87d4 e-flex e-con-boxed e-con e-parent\" data-id=\"fad87d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-25e7971 elementor-widget elementor-widget-spacer\" data-id=\"25e7971\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e442259 e-con-full e-flex e-con e-parent\" data-id=\"e442259\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4b4940b elementor-widget elementor-widget-html\" data-id=\"4b4940b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"hf-compare-3cols\">\r\n  <div class=\"hf-grid\">\r\n    <!-- Colonne 1 : Intitul\u00e9s -->\r\n    <div class=\"hf-col labels\">\r\n      <div class=\"labels-spacer\"><\/div>\r\n      <div class=\"label\">Base de cotisation<\/div>\r\n      <div class=\"label\">Soins couverts<\/div>\r\n      <div class=\"label\">Flexibilit\u00e9<\/div>\r\n      <div class=\"label\">Co\u00fbt<\/div>\r\n    <\/div>\r\n\r\n    <!-- Colonne 2 : CMU -->\r\n    <div class=\"hf-col card\">\r\n      <h3>CMU (France)<\/h3>\r\n      <div class=\"row\" data-label=\"Base de cotisation\">Sur le revenu fiscal<\/div>\r\n      <div class=\"row\" data-label=\"Soins couverts\">En France<\/div>\r\n      <div class=\"row\" data-label=\"Flexibilit\u00e9\">Moins adapt\u00e9e si soins en Suisse<\/div>\r\n      <div class=\"row\" data-label=\"Co\u00fbt\">Avantageux pour faibles revenus<\/div>\r\n    <\/div>\r\n\r\n    <!-- Colonne 3 : LAMal -->\r\n    <div class=\"hf-col card\">\r\n      <h3>LAMal (Suisse)<\/h3>\r\n      <div class=\"row\" data-label=\"Base de cotisation\">Forfait fixe (selon \u00e2ge et canton)<\/div>\r\n      <div class=\"row\" data-label=\"Soins couverts\">En Suisse et en France<\/div>\r\n      <div class=\"row\" data-label=\"Flexibilit\u00e9\">Meilleure prise en charge en Suisse<\/div>\r\n      <div class=\"row\" data-label=\"Co\u00fbt\">Forfait fixe r\u00e9visable chaque ann\u00e9e<\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<style>\r\n.hf-compare-3cols{\r\n  background:#f5f5fe !important;\r\n  border-radius:12px;\r\n  padding:24px 20px;\r\n  max-width:1000px;\r\n  margin:-10px auto 0;\r\n}\r\n.hf-compare-3cols .hf-grid{\r\n  display:grid;\r\n  grid-template-columns:220px 1fr 1fr; \/* colonne 1 \u00e9largie *\/\r\n  gap:24px;\r\n  align-items:start;\r\n}\r\n\r\n\/* Colonne intitul\u00e9s *\/\r\n.hf-compare-3cols .labels .labels-spacer{height:56px;}\r\n.hf-compare-3cols .labels .label{\r\n  font-weight:700;\r\n  color:#000;\r\n  font-size:16px;\r\n  margin:22px 0;\r\n}\r\n\r\n\/* Cartes *\/\r\n.hf-compare-3cols .card{\r\n  background:#fff;\r\n  border-radius:14px;\r\n  box-shadow:0 6px 18px rgba(0,0,0,.06);\r\n  padding:22px 20px;\r\n}\r\n.hf-compare-3cols .card h3{\r\n  margin:0 0 18px;\r\n  text-align:center;\r\n  font-weight:800;\r\n  font-size:20px;\r\n  color:#111;\r\n}\r\n.hf-compare-3cols .card .row{\r\n  font-size:15px;\r\n  line-height:1.5;\r\n  color:#333;\r\n  margin:22px 0;\r\n}\r\n\r\n\/* ===== Tablette (769px\u20131024px) ===== *\/\r\n@media (max-width:1024px) and (min-width:769px){\r\n  .hf-compare-3cols{\r\n    max-width:95%;\r\n    padding:20px 16px;\r\n    margin:0 auto;\r\n  }\r\n  .hf-compare-3cols .hf-grid{\r\n    grid-template-columns:180px 1fr; \/* labels + 1 colonne cartes *\/\r\n    gap:20px;\r\n    align-items:start;\r\n  }\r\n  \/* labels restent visibles \u00e0 gauche sur toute la hauteur *\/\r\n  .hf-compare-3cols .labels{\r\n    grid-column:1;\r\n    grid-row:1 \/ span 2;\r\n  }\r\n  \/* les 2 cartes passent l\u2019une sous l\u2019autre mais align\u00e9es avec les labels *\/\r\n  .hf-compare-3cols .card{\r\n    grid-column:2;\r\n    margin-bottom:20px;\r\n    padding:20px 18px;\r\n  }\r\n  .hf-compare-3cols .card h3{ font-size:19px; margin-bottom:12px; }\r\n  .hf-compare-3cols .card .row{ margin:18px 0; }\r\n}\r\n\r\n\/* ===== Mobile (<768px) ===== *\/\r\n@media (max-width:768px){\r\n  .hf-compare-3cols{ padding:18px 14px; margin:0 auto; }\r\n  .hf-compare-3cols .hf-grid{\r\n    grid-template-columns:1fr;   \/* 1 colonne *\/\r\n    gap:16px;\r\n  }\r\n  .hf-compare-3cols .labels{ display:none; } \/* on masque la colonne labels *\/\r\n\r\n  \/* Chaque ligne affiche son label \u00e0 gauche *\/\r\n  .hf-compare-3cols .card{ padding:16px 14px; }\r\n  .hf-compare-3cols .card h3{\r\n    font-size:18px; margin-bottom:10px;\r\n  }\r\n  .hf-compare-3cols .card .row{\r\n    position:relative;\r\n    margin:12px 0;\r\n    padding-left:120px;          \/* place pour le label *\/\r\n    min-height:40px;\r\n    display:flex; align-items:center;\r\n  }\r\n  .hf-compare-3cols .card .row::before{\r\n    content:attr(data-label);\r\n    position:absolute; left:0; top:0;\r\n    width:110px; \r\n    font-weight:700; font-size:14px; color:#000;\r\n    line-height:40px;            \/* aligne verticalement *\/\r\n  }\r\n}\r\n<\/style>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a07b691 e-flex e-con-boxed e-con e-parent\" data-id=\"a07b691\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f0215ab elementor-widget elementor-widget-html\" data-id=\"f0215ab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n.hf-summary {\r\n  --bg: #234981;\r\n  --radius: 18px;\r\n  --maxw: 1400px;\r\n  --padX: 28px;\r\n  --padY: 26px;\r\n\r\n  display: flex;\r\n  justify-content: center;\r\n  align-items: center; \r\n  padding: 8px 16px;\r\n  font-family: 'Poppins', sans-serif;\r\n}\r\n\r\n.hf-summary-inner {\r\n  width: 100%;\r\n  max-width: var(--maxw);\r\n  background: var(--bg);\r\n  color: #fff;\r\n  border: 1.5px solid rgba(255, 255, 255, 0.35);\r\n  border-radius: var(--radius);\r\n  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.15);\r\n  padding: var(--padY) var(--padX);\r\n  min-height: 220px; \r\n  display: flex;\r\n  flex-direction: column;\r\n  justify-content: center; \r\n  align-items: center;\r\n  text-align: center;\r\n}\r\n\r\n.hf-summary-icon {\r\n  display: block;\r\n  margin: 0 auto 14px;\r\n  filter: brightness(0) invert(1);\r\n}\r\n\r\n.hf-summary h3 {\r\n  margin: 0 0 12px;\r\n  font-weight: 700;\r\n  font-size: 22px;\r\n  line-height: 1.2;\r\n  color: #fff;\r\n}\r\n\r\n.hf-summary p {\r\n  margin: 0;\r\n  font-size: 16px;\r\n  line-height: 1.7;\r\n  color: #fff;\r\n  max-width: 1050px; \r\n}\r\n\r\n@media (max-width: 1024px) {\r\n  .hf-summary {\r\n    --maxw: 95%;\r\n  }\r\n}\r\n\r\n@media (max-width: 768px) {\r\n  .hf-summary {\r\n    padding: 14px;\r\n  }\r\n\r\n  .hf-summary-inner {\r\n    padding: 20px 16px 36px;\r\n    border-radius: 12px;\r\n    text-align: center;\r\n    min-height: auto; \r\n  }\r\n\r\n  .hf-summary-icon {\r\n    width: 36px;\r\n    height: 36px;\r\n    margin-bottom: 10px;\r\n  }\r\n\r\n  .hf-summary h3 {\r\n    font-size: 20px;\r\n    margin-bottom: 10px;\r\n  }\r\n\r\n  .hf-summary p {\r\n    font-size: 15px;\r\n    line-height: 1.6;\r\n  }\r\n}\r\n<\/style>\r\n\r\n<div class=\"hf-summary\">\r\n  <div class=\"hf-summary-inner\">\r\n    <img loading=\"lazy\" decoding=\"async\"\r\n      class=\"hf-summary-icon\"\r\n      src=\"\/wp-content\/uploads\/2025\/09\/26-1.png\"\r\n      alt=\"\"\r\n      aria-hidden=\"true\"\r\n      width=\"44\"\r\n      height=\"44\"\r\n    >\r\n    <h3>En r\u00e9sum\u00e9<\/h3>\r\n    <p>\r\n      La CMU\/PUMA est int\u00e9ressante pour les frontaliers avec des revenus plus faibles et des soins r\u00e9alis\u00e9s principalement en France. \r\n      La LAMal est souvent privil\u00e9gi\u00e9e par ceux qui veulent un acc\u00e8s direct aux soins suisses et une cotisation ind\u00e9pendante des revenus.\r\n    <\/p>\r\n  <\/div>\r\n<\/div>\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4015019 e-flex e-con-boxed e-con e-parent\" data-id=\"4015019\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c995b66 elementor-widget elementor-widget-spacer\" data-id=\"c995b66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7cf615ee e-flex e-con-boxed e-con e-parent\" data-id=\"7cf615ee\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-36e2921e e-con-full e-flex e-con e-child\" data-id=\"36e2921e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6cb6ef00 elementor-widget elementor-widget-image\" data-id=\"6cb6ef00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"480\" height=\"480\" src=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/4-1-480x480.png\" class=\"attachment-gt3theme_mobile size-gt3theme_mobile wp-image-21858\" alt=\"\" srcset=\"https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/4-1-480x480.png 480w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/4-1-300x300.png 300w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/4-1-150x150.png 150w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/4-1-768x768.png 768w, https:\/\/helpfrontaliers.ch\/wp-content\/uploads\/2025\/09\/4-1.png 1000w\" sizes=\"(max-width: 480px) 100vw, 480px\" title=\"4\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c664091 e-con-full e-flex e-con e-child\" data-id=\"c664091\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-749e5544 elementor-widget elementor-widget-heading\" data-id=\"749e5544\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><b>Le choix entre CMU \/ LAMal : \nQuel choix faire ?  <\/b><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element-custom_font_size elementor-element-custom_font_family elementor-element-custom_color elementor-element elementor-element-6898d6ba elementor-widget elementor-widget-text-editor\" data-id=\"6898d6ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"cvGsUA direction-ltr align-start para-style-body\"><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Le choix entre la CMU et la LAMal d\u00e9pend de plusieurs facteurs :<\/span><\/p><ul><li><strong><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Votre niveau de revenus<\/span><\/strong><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\"> : la CMU peut \u00eatre moins ch\u00e8re si vos revenus sont modestes.<\/span><\/li><li><strong><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Votre lieu de soins habituel<\/span><\/strong><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\"> : si vous consultez surtout en Suisse, la LAMal est souvent plus adapt\u00e9e.<\/span><\/li><li><strong><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\">Votre besoin de stabilit\u00e9<\/span><\/strong><span class=\"a_GcMg font-feature-liga-off font-feature-clig-off font-feature-calt-off text-decoration-none text-strikethrough-none\"> : la LAMal offre une cotisation fixe et pr\u00e9visible, tandis que la CMU varie selon vos revenus.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"gt3-core-button--alignment_inline elementor-element elementor-element-2314da8 elementor-widget__width-initial elementor-widget elementor-widget-gt3-core-button\" data-id=\"2314da8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"gt3-core-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t<div class=\"gt3_module_button_elementor size_custom alignment_inline button_icon_none hover_type5 rounded\">\r\n\t\t<a class=\"button_size_elementor_custom alignment_inline border_icon_none hover_type5 btn_icon_position_left\" href=\"https:\/\/calendar.app.google\/KENts6pUYnQp4VLy6\" target=\"_blank\" rel=\"noopener\">\r\n\t\t\t\t<span class=\"gt3_module_button__container\">\r\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor_gt3_btn_text\">Rendez-vous gratuit<\/span>\t\t\t\t\t\t<span class=\"gt3_module_button__cover front\"><\/span>\r\n\t\t\t\t\t\t<span class=\"gt3_module_button__cover back\"><\/span>\r\n\t\t\t\t\t\t\t\t\t<\/span>\r\n\t\t<\/a>\r\n\t<\/div>\r\n\r\n<script type=\"application\/json\" id=\"settings--2314da8\">[]<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2610037 e-flex e-con-boxed e-con e-parent\" data-id=\"2610037\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7f5dc66 elementor-widget elementor-widget-spacer\" data-id=\"7f5dc66\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>CMU (France) ou LAMal (Suisse) : quelles diff\u00e9rences ? Lorsqu&rsquo;on travaille en Suisse, une question revient souvent : faut-il choisir la CMU (PUMA) en France ou la LAMal en Suisse pour son assurance maladie ? Ces deux syst\u00e8mes couvrent les soins, mais fonctionnent diff\u00e9remment. Voici un guide comparatif. Simulation Contact La CMU (PUMA) en France [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":29242,"parent":20445,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-21853","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/pages\/21853","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/comments?post=21853"}],"version-history":[{"count":6,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/pages\/21853\/revisions"}],"predecessor-version":[{"id":126170,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/pages\/21853\/revisions\/126170"}],"up":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/pages\/20445"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/media\/29242"}],"wp:attachment":[{"href":"https:\/\/helpfrontaliers.ch\/en\/wp-json\/wp\/v2\/media?parent=21853"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}