{"id":14182,"date":"2026-03-13T12:28:00","date_gmt":"2026-03-13T11:28:00","guid":{"rendered":"https:\/\/lamarina.bj\/?p=14182"},"modified":"2026-03-13T10:13:26","modified_gmt":"2026-03-13T09:13:26","slug":"assurance-voyage-un-camouflet-judiciaire-a-10-millions-de-fcfa-pour-lafricaine-des-assurances-s-a","status":"publish","type":"post","link":"https:\/\/lamarina.bj\/index.php\/2026\/03\/13\/assurance-voyage-un-camouflet-judiciaire-a-10-millions-de-fcfa-pour-lafricaine-des-assurances-s-a\/","title":{"rendered":"Assurance voyage : Un camouflet judiciaire \u00e0 10 millions de FCFA pour l&rsquo;Africaine des Assurances S.A"},"content":{"rendered":"\n<p><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\"><strong>Justice, La Marina BJ <\/strong><\/mark>&#8211; <strong><em>Par un arr\u00eat rendu le 25 f\u00e9vrier 2026, la Cour d&rsquo;Appel de Commerce de Cotonou a lourdement condamn\u00e9 l\u2019Africaine des Assurances S.A. Le juge a sanctionn\u00e9 le d\u00e9faut d\u2019assistance m\u00e9dicale d\u2019urgence envers un assur\u00e9, transformant une offre d\u2019indemnisation d\u00e9risoire en une condamnation \u00e0 hauteur de 10 millions de FCFA. En savoir plus.<\/em><\/strong><\/p>\n\n\n\n<p>C\u2019est une d\u00e9cision qui fera date dans le secteur des assurances au B\u00e9nin. La 1\u00e8re Chambre du P\u00f4le 1 de la Cour d\u2019Appel de Commerce de Cotonou a tranch\u00e9 le litige opposant un m\u00e9decin gyn\u00e9cologue, Monsieur X, \u00e0 la compagnie l\u2019Africaine des Assurances S.A. En d\u00e9cembre 2023, Monsieur X souscrit une police d\u2019assistance voyage pour un s\u00e9jour en Italie, assortie d\u2019une garantie de 30 000 euros (environ 19,6 millions de FCFA) pour les frais m\u00e9dicaux d\u2019urgence. Le 8 f\u00e9vrier 2024, le diagnostic tombe : rupture du tendon d\u2019Achille du client de la compagnie d&rsquo;assurance lors de son s\u00e9jour.<\/p>\n\n\n\n<p>Malgr\u00e9 l\u2019urgence de la situation, notifi\u00e9e d\u00e8s le premier jour, l\u2019assureur et son partenaire AXA Assistance Maroc s\u2019enlisent dans une gestion bureaucratique, multipliant les demandes de documents au lieu d\u2019activer la prise en charge imm\u00e9diate pr\u00e9vue au contrat. Livr\u00e9 \u00e0 lui-m\u00eame, l\u2019assur\u00e9 doit financer ses propres soins et interrompre son s\u00e9jour pour regagner le B\u00e9nin afin d\u2019\u00e9viter des complications post-op\u00e9ratoires.<\/p>\n\n\n\n<p>En premi\u00e8re instance, le Tribunal de Commerce de Cotonou avait pourtant d\u00e9bout\u00e9 monsieur X, estimant qu&rsquo;il avait viol\u00e9 le contrat en choisissant lui-m\u00eame son h\u00f4pital. Une lecture des faits que la Cour d&rsquo;Appel a vigoureusement balay\u00e9e le 25 f\u00e9vrier dernier. Dans son arr\u00eat, la Cour souligne que le premier juge a fond\u00e9 sa d\u00e9cision sur des \u00ab faux postulats factuels et juridiques \u00bb. Elle rappelle que la rupture du tendon d\u2019Achille constitue une \u00ab alt\u00e9ration soudaine, grave et impr\u00e9visible \u00bb de l\u2019\u00e9tat de sant\u00e9, obligeant l\u2019assureur \u00e0 une assistance imm\u00e9diate.<\/p>\n\n\n\n<h2 id=\"une-condamnation-exemplaire\" class=\"wp-block-heading\"><mark style=\"background-color:rgba(0, 0, 0, 0)\" class=\"has-inline-color has-red-color\">Une condamnation exemplaire<\/mark><\/h2>\n\n\n\n<p>L&rsquo;Africaine des Assurances S.A, qui proposait initialement un remboursement de seulement 422,7 euros (environ 277 000 FCFA), se voit finalement condamn\u00e9e \u00e0 verser 10 000 000 de FCFA de dommages-int\u00e9r\u00eats pour toutes causes de pr\u00e9judices confondus.<\/p>\n\n\n\n<p>La Cour a jug\u00e9 que le comportement de la compagnie constituait une violation manifeste de ses engagements contractuels. En laissant son assur\u00e9 pour compte dans une situation critique, l&rsquo;assureur a failli \u00e0 sa mission premi\u00e8re qu&rsquo;est la protection du voyageur contre les al\u00e9as de sant\u00e9. Cet arr\u00eat r\u00e9sonne comme un avertissement pour les assureurs de la place : la rigueur administrative ne saurait se substituer \u00e0 l&rsquo;obligation de secours, surtout lorsque la sant\u00e9 de l&rsquo;assur\u00e9 est en jeu \u00e0 des milliers de kilom\u00e8tres.<\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"Justice, La Marina BJ &#8211; Par un arr\u00eat rendu le 25 f\u00e9vrier 2026, la Cour d&rsquo;Appel de Commerce&hellip;\n","protected":false},"author":4,"featured_media":12698,"comment_status":"open","ping_status":"open","sticky":false,"template":"elementor_theme","format":"standard","meta":{"csco_singular_sidebar":"","csco_page_header_type":"standard","csco_appearance_masonry":"","csco_page_load_nextpost":"","csco_post_video_location":[],"csco_post_video_location_hash":"","csco_post_video_url":"","csco_post_video_bg_start_time":0,"csco_post_video_bg_end_time":0,"footnotes":""},"categories":[1962],"tags":[2048,41,715],"class_list":{"0":"post-14182","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-affaires-judiciaires","8":"tag-africaine-des-assurances","9":"tag-benin","10":"tag-cour-dappel-de-commerce-de-cotonou","11":"cs-entry","12":"cs-video-wrap"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Assurance voyage : Un camouflet judiciaire \u00e0 10 millions de FCFA pour l&#039;Africaine des Assurances S.A - LA MARINA BJ<\/title>\n<meta name=\"description\" content=\"Par un arr\u00eat rendu le 25 f\u00e9vrier 2026, la Cour d&#039;Appel de Commerce de Cotonou a lourdement condamn\u00e9 l\u2019Africaine des Assurances S.A. Le juge a sanctionn\u00e9 le d\u00e9faut d\u2019assistance m\u00e9dicale d\u2019urgence envers un assur\u00e9, transformant une offre d\u2019indemnisation d\u00e9risoire en une condamnation \u00e0 hauteur de 10 millions de FCFA. 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Le juge a sanctionn\u00e9 le d\u00e9faut d\u2019assistance m\u00e9dicale d\u2019urgence envers un assur\u00e9, transformant une offre d\u2019indemnisation d\u00e9risoire en une condamnation \u00e0 hauteur de 10 millions de FCFA. 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