{"id":2037,"date":"2026-10-14T09:59:30","date_gmt":"2026-10-14T09:59:30","guid":{"rendered":"https:\/\/b2bcongo.com\/?page_id=2037"},"modified":"2026-10-14T10:15:30","modified_gmt":"2026-10-14T10:15:30","slug":"assurance-et-mutuelle","status":"publish","type":"page","link":"https:\/\/b2bcongo.com\/en\/secteurs\/assurance-et-mutuelle\/","title":{"rendered":"Assurance et mutuelle"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2037\" class=\"elementor elementor-2037\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-31dad29 e-flex e-con-boxed e-con e-parent\" data-id=\"31dad29\" 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-9a35aab elementor-widget elementor-widget-shortcode\" data-id=\"9a35aab\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">    <link href=\"https:\/\/fonts.googleapis.com\/css2?family=Plus+Jakarta+Sans:wght@400;600;700;800;900&display=swap\" rel=\"stylesheet\" \/>\n    <style>\n        #b2b-assur, #b2b-assur * { box-sizing: border-box !important; }\n        #b2b-assur { font-family: 'Plus Jakarta Sans', system-ui, sans-serif !important; color: #0F2A4A !important; width: 100vw !important; max-width: 100vw !important; margin-left: calc(50% - 50vw) !important; padding: 0 !important; background: #FFFFFF !important; overflow-x: hidden !important; font-size: 19px !important; line-height: 1.7 !important; }\n        #b2b-assur h1, #b2b-assur h2, #b2b-assur h3, #b2b-assur h4 { margin: 0 !important; padding: 0 !important; }\n        #b2b-assur a { text-decoration: none !important; }\n        #b2b-assur .statut-bar { padding: 14px 24px; text-align: center; font-size: .95rem; font-weight: 700; }\n        #b2b-assur .statut-public { background: linear-gradient(135deg, #FEF3C7, #FDE68A); color: #78350F; }\n        #b2b-assur .statut-public a { color: #78350F; text-decoration: underline; font-weight: 900; }\n        #b2b-assur .statut-membre { background: linear-gradient(135deg, #D1FAE5, #A7F3D0); color: #065F46; display: flex; align-items: center; justify-content: center; gap: 14px; flex-wrap: wrap; }\n        #b2b-assur .statut-membre a { color: #065F46; text-decoration: underline; font-weight: 800; }\n        #b2b-assur .hero { background: linear-gradient(135deg, #0F172A 0%, #1E3A8A 50%, #D4A017 100%); color: #fff; padding: 90px 24px 100px; text-align: center; }\n        #b2b-assur .hero-badge { display: inline-block; background: rgba(255,255,255,.15); border: 1px solid rgba(255,255,255,.35); color: #fff; padding: 11px 26px; border-radius: 999px; font-size: 1.05rem; font-weight: 800; margin-bottom: 24px; }\n        #b2b-assur .hero h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); font-weight: 900; line-height: 1.12; 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margin: 0; }\n        #b2b-assur .pub { background: #fff; border: 3px dashed #D4A017; border-radius: 22px; padding: 28px 26px; margin: 40px 0 60px; position: relative; }\n        #b2b-assur .pub-label { position: absolute; top: -16px; left: 32px; background: #D4A017; color: #fff; padding: 6px 18px; border-radius: 999px; font-size: .9rem; font-weight: 800; }\n        #b2b-assur .pub-inner { display: flex; gap: 26px; align-items: center; }\n        #b2b-assur .pub-image { flex: 0 0 300px; height: 180px; background: linear-gradient(135deg, #FEF3C7, #FDE68A); border-radius: 14px; display: flex; align-items: center; justify-content: center; color: #92400E; font-weight: 700; padding: 16px; border: 2px solid #D4A017; }\n        #b2b-assur .pub-content { flex: 1; }\n        #b2b-assur .pub-title { font-size: 1.6rem; font-weight: 900; margin: 0 0 12px; }\n        #b2b-assur .pub-desc { font-size: 1.1rem; color: #54637A; margin: 0 0 16px; }\n        #b2b-assur .pub-cta { display: inline-block; background: linear-gradient(135deg, #0F172A, #1E3A8A); color: #fff; padding: 14px 30px; border-radius: 12px; font-weight: 800; }\n        @media (max-width: 768px) { #b2b-assur .pub-inner { flex-direction: column; } #b2b-assur .pub-image { width: 100%; flex: none; } }\n        #b2b-assur .campagnes-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 22px; }\n        #b2b-assur .campagne-card { border-radius: 22px; padding: 30px 26px; color: #fff; }\n        #b2b-assur .campagne-card.bleu { background: linear-gradient(135deg, #1E3A8A, #3B82F6); }\n        #b2b-assur .campagne-card.vert { background: linear-gradient(135deg, #065F46, #10B981); }\n        #b2b-assur .campagne-card.orange { background: linear-gradient(135deg, #B45309, #F59E0B); }\n        #b2b-assur .campagne-badge { display: inline-block; background: rgba(255,255,255,.2); border: 1px solid rgba(255,255,255,.4); padding: 6px 16px; border-radius: 999px; font-size: .82rem; font-weight: 800; margin-bottom: 14px; }\n        #b2b-assur .campagne-icon { font-size: 2.6rem; margin-bottom: 10px; display: block; }\n        #b2b-assur .campagne-titre { font-size: 1.3rem; font-weight: 900; margin: 0 0 10px; }\n        #b2b-assur .campagne-desc { font-size: .98rem; color: rgba(255,255,255,.9); margin: 0 0 18px; line-height: 1.5; }\n        #b2b-assur .campagne-btn { display: inline-block; background: #fff; color: #0F2A4A; padding: 13px 24px; border-radius: 10px; font-weight: 800; font-size: .95rem; cursor: pointer; border: none; font-family: inherit; }\n        #b2b-assur .mutuelle-block { background: linear-gradient(135deg, #ECFDF5, #D1FAE5); border: 3px solid #10B981; border-radius: 26px; padding: 44px 36px; margin: 40px 0; }\n        #b2b-assur .mutuelle-header { display: flex; align-items: center; gap: 22px; margin-bottom: 28px; flex-wrap: wrap; }\n        #b2b-assur .mutuelle-icon { font-size: 3.6rem; }\n        #b2b-assur .mutuelle-titre { font-size: 1.8rem; font-weight: 900; margin: 0 0 8px; }\n        #b2b-assur .mutuelle-sous-titre { font-size: 1.05rem; color: #065F46; margin: 0; font-weight: 700; }\n        #b2b-assur .mutuelle-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 20px; }\n        #b2b-assur .mutuelle-card { background: #fff; border-radius: 20px; padding: 26px 22px; box-shadow: 0 6px 20px rgba(15,42,74,.08); display: flex; flex-direction: column; }\n        #b2b-assur .mutuelle-card h3 { font-size: 1.2rem; font-weight: 900; margin: 0 0 6px; }\n        #b2b-assur .mutuelle-public { font-size: .9rem; color: #10B981; font-weight: 800; margin: 0 0 12px; text-transform: uppercase; }\n        #b2b-assur .mutuelle-desc { font-size: .95rem; color: #54637A; line-height: 1.55; margin: 0 0 16px; flex: 1; }\n        #b2b-assur .mutuelle-prix { font-size: 1.6rem; font-weight: 900; color: #065F46; margin: 0 0 14px; }\n        #b2b-assur .mutuelle-prix small { font-size: .85rem; color: #64748B; font-weight: 600; }\n        #b2b-assur .mutuelle-btn { display: block; text-align: center; background: linear-gradient(135deg, #065F46, #10B981); color: #fff; padding: 13px; border-radius: 10px; font-weight: 800; font-size: .95rem; }\n        #b2b-assur .calc-section { background: linear-gradient(135deg, #FFFBEB, #FEF3C7); border: 3px solid #D4A017; border-radius: 24px; padding: 44px 36px; position: relative; margin: 40px 0; }\n        #b2b-assur .calc-badge { position: absolute; top: -18px; left: 40px; background: linear-gradient(135deg, #0F172A, #1E3A8A); color: #fff; padding: 8px 22px; border-radius: 999px; font-size: .95rem; font-weight: 800; }\n        #b2b-assur .calc-title { font-size: 1.7rem; font-weight: 900; margin: 0 0 12px; text-align: center; }\n        #b2b-assur .calc-subtitle { font-size: 1.05rem; color: #54637A; margin: 0 0 26px; text-align: center; max-width: 800px; margin-left: auto; margin-right: auto; }\n        #b2b-assur .tabs { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 26px; justify-content: center; }\n        #b2b-assur .tab-btn { background: #fff; color: #0F2A4A; padding: 13px 22px; border-radius: 999px; font-weight: 800; font-size: .95rem; cursor: pointer; border: 2px solid #E2E8F0; font-family: inherit; }\n        #b2b-assur .tab-btn.active { background: linear-gradient(135deg, #0F172A, #1E3A8A); color: #fff; border-color: transparent; }\n        #b2b-assur .calc-block { display: none; background: #fff; border-radius: 20px; padding: 30px 26px; border: 2px solid #FEF3C7; }\n        #b2b-assur .calc-block.active { display: block; }\n        #b2b-assur .calc-block h3 { font-size: 1.4rem; font-weight: 900; margin: 0 0 8px; }\n        #b2b-assur .calc-block > p { font-size: .98rem; color: #54637A; margin: 0 0 22px; }\n        #b2b-assur .row { display: grid !important; grid-template-columns: 1fr 1fr !important; gap: 16px !important; margin-bottom: 16px !important; }\n        #b2b-assur .field { display: flex !important; flex-direction: column !important; width: 100% !important; }\n        #b2b-assur .field label { font-size: .95rem !important; font-weight: 700 !important; margin-bottom: 8px !important; }\n        #b2b-assur .field input, #b2b-assur .field select { display: block !important; width: 100% !important; min-height: 52px !important; padding: 14px 16px !important; border: 2px solid #E2E8F0 !important; border-radius: 10px !important; font-size: 1rem !important; background: #F8FAFC !important; font-family: inherit !important; box-sizing: border-box !important; -webkit-appearance: none !important; }\n        #b2b-assur .field input:focus, #b2b-assur .field select:focus { outline: none !important; border-color: #D4A017 !important; background: #fff !important; }\n        #b2b-assur .btn-calc { width: 100%; background: linear-gradient(135deg, #0F172A, #1E3A8A); color: #fff; border: none; padding: 16px 22px; border-radius: 12px; font-size: 1.05rem; font-weight: 800; cursor: pointer; font-family: inherit; margin-top: 10px; }\n        #b2b-assur .result { background: linear-gradient(135deg, #FFFBEB, #FEF3C7); border: 2px solid #D4A017; border-radius: 16px; padding: 24px 22px; margin-top: 22px; display: none; }\n        #b2b-assur .result.visible { display: block; }\n        #b2b-assur .result h4 { font-size: 1.25rem; font-weight: 900; margin: 0 0 14px; }\n        #b2b-assur .result-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(150px, 1fr)); gap: 12px; margin-bottom: 14px; }\n        #b2b-assur .result-item { background: #fff; border-radius: 12px; padding: 14px; text-align: center; }\n        #b2b-assur .result-item .label { font-size: .82rem; color: #64748B; font-weight: 600; margin-bottom: 4px; }\n        #b2b-assur .result-item .value { font-size: 1.3rem; font-weight: 900; color: #B45309; }\n        #b2b-assur .result-cta { background: linear-gradient(135deg, #B45309, #D4A017); color: #fff; border-radius: 14px; padding: 18px 20px; display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }\n        #b2b-assur .result-cta-text { flex: 1; min-width: 220px; }\n        #b2b-assur .result-cta-text strong { display: block; font-size: 1.05rem; margin-bottom: 4px; }\n        #b2b-assur .result-cta-btn { background: #fff; color: #B45309; padding: 12px 22px; border-radius: 10px; font-weight: 800; font-size: .95rem; border: none; cursor: pointer; font-family: inherit; }\n        #b2b-assur .lead-form-box { background: linear-gradient(135deg, #F0F9FF, #DBEAFE); border: 3px solid #1E3A8A; border-radius: 20px; padding: 28px 24px; margin-top: 20px; display: none; }\n        #b2b-assur .lead-form-box.visible { display: block; }\n        #b2b-assur .lead-form-box h4 { font-size: 1.2rem; font-weight: 900; margin: 0 0 12px; }\n        #b2b-assur .lead-form-box p { font-size: .98rem; color: #54637A; margin: 0 0 16px; }\n        #b2b-assur .lead-form-box input, #b2b-assur .lead-form-box select { display: block !important; width: 100% !important; padding: 14px 16px !important; margin-bottom: 12px !important; border: 2px solid #E2E8F0 !important; border-radius: 10px !important; font-size: 1rem !important; background: #fff !important; font-family: inherit !important; box-sizing: border-box !important; }\n        #b2b-assur .lead-btn { width: 100%; background: linear-gradient(135deg, #0F172A, #1E3A8A); color: #fff; border: none; padding: 16px 22px; border-radius: 12px; font-size: 1.05rem; font-weight: 800; cursor: pointer; font-family: inherit; margin-bottom: 10px; }\n        #b2b-assur .lead-wa { display: block; width: 100%; text-align: center; background: #25D366; color: #fff; padding: 14px 22px; border-radius: 12px; font-weight: 800; font-size: .95rem; box-sizing: border-box; }\n        #b2b-assur .hp-field { position: absolute !important; left: -9999px !important; opacity: 0 !important; height: 0 !important; width: 0 !important; }\n        #b2b-assur .grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 22px; }\n        #b2b-assur .card { background: #fff; border-radius: 20px; padding: 28px 26px; box-shadow: 0 6px 20px rgba(15,42,74,.07); border: 2px solid transparent; transition: all .25s; display: flex; flex-direction: column; }\n        #b2b-assur .card:hover { transform: translateY(-6px); border-color: #D4A017; }\n        #b2b-assur .card-icon { width: 64px; height: 64px; border-radius: 16px; background: linear-gradient(135deg, #FEF3C7, #FDE68A); display: flex; align-items: center; justify-content: center; font-size: 2.2rem; margin-bottom: 18px; }\n        #b2b-assur .card h3 { font-size: 1.25rem; font-weight: 800; margin: 0 0 12px; }\n        #b2b-assur .card p { font-size: 1.05rem; color: #54637A; line-height: 1.6; margin: 0; flex: 1; }\n        #b2b-assur .card-badge { display: inline-block; background: #FEF3C7; color: #92400E; padding: 8px 16px; border-radius: 999px; font-size: .9rem; font-weight: 800; margin-top: 14px; align-self: flex-start; }\n        #b2b-assur .services-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 22px; }\n        #b2b-assur .service-card { background: #fff; border: 3px solid #FEF3C7; border-radius: 20px; padding: 30px 24px; text-align: center; }\n        #b2b-assur .service-icon { font-size: 2.6rem; margin-bottom: 14px; display: block; }\n        #b2b-assur .service-card h4 { font-size: 1.2rem; font-weight: 800; margin: 0 0 10px; }\n        #b2b-assur .service-card p { font-size: 1rem; color: #54637A; margin: 0; }\n        #b2b-assur .leads-box { background: linear-gradient(135deg, #FFFBEB, #FEF3C7); border: 3px solid #D4A017; border-radius: 22px; padding: 36px 32px; }\n        #b2b-assur .leads-title { font-size: 1.4rem; font-weight: 900; margin: 0 0 22px; }\n        #b2b-assur .lead-item { background: #fff; border-radius: 14px; padding: 18px 22px; margin-bottom: 12px; display: flex; justify-content: space-between; align-items: center; gap: 18px; flex-wrap: wrap; }\n        #b2b-assur .lead-info { font-size: 1.05rem; font-weight: 700; }\n        #b2b-assur .lead-info small { color: #54637A; font-weight: 500; display: block; font-size: .95rem; margin-top: 6px; }\n        #b2b-assur .lead-blur { background: #0F2A4A; color: #0F2A4A; border-radius: 6px; padding: 4px 14px; }\n        #b2b-assur .lead-lock { background: #FEF3C7; color: #92400E; padding: 10px 18px; border-radius: 999px; font-size: .9rem; font-weight: 800; }\n        #b2b-assur .cta-4c { background: linear-gradient(135deg, #0F2A4A, #1B3A5F); color: #fff; border-radius: 26px; padding: 55px 44px; text-align: center; margin-top: 30px; }\n        #b2b-assur .cta-4c h2 { font-size: clamp(1.5rem, 3.3vw, 2.1rem); font-weight: 900; margin: 0 0 14px; color: #fff; }\n        #b2b-assur .cta-4c p { font-size: 1.15rem; color: rgba(255,255,255,.88); margin: 0 0 28px; }\n        #b2b-assur .cta-4c-btn { display: inline-block; background: linear-gradient(135deg, #D4A017, #F0BB2E); color: #0F2A4A; padding: 18px 38px; border-radius: 16px; font-weight: 800; font-size: 1.1rem; }\n        #b2b-assur .cta-4c-secondary { display: inline-block; background: rgba(255,255,255,.12); border: 2px solid rgba(255,255,255,.3); color: #fff; padding: 16px 32px; border-radius: 16px; font-weight: 800; margin-left: 14px; }\n        #b2b-assur .floating-cart { position: fixed; top: 90px; right: 24px; background: linear-gradient(135deg, #0F172A, #1E3A8A); color: #fff; width: 58px; height: 58px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 1.5rem; box-shadow: 0 10px 24px rgba(15,23,42,.4); z-index: 9999; }\n        @media (max-width: 768px) {\n          #b2b-assur { font-size: 17px !important; }\n          #b2b-assur .hero { padding: 60px 20px 70px; }\n          #b2b-assur .grid, #b2b-assur .services-grid, #b2b-assur .mutuelle-grid { grid-template-columns: 1fr; }\n          #b2b-assur .row { grid-template-columns: 1fr !important; }\n          #b2b-assur .calc-section, #b2b-assur .mutuelle-block { padding: 28px 18px; }\n          #b2b-assur .calc-block { padding: 22px 18px; }\n          #b2b-assur .section-header { padding: 22px 24px; }\n          #b2b-assur .cta-4c { padding: 40px 22px; }\n          #b2b-assur .tab-btn { padding: 10px 14px; font-size: .82rem; }\n        }\n    <\/style>\n\n    <div id=\"b2b-assur\">\n      <a href=\"https:\/\/b2bcongo.com\/en\/panier\/\" class=\"floating-cart\">\ud83d\uded2<\/a>\n\n              <div class=\"statut-bar statut-public\">\n          \ud83d\udd13 Acc\u00e8s public \u2014 <a href=\"https:\/\/b2bcongo.com\/en\/membre-4c-2\/\">Devenez membre 4C<\/a> pour tous les avantages\n        <\/div>\n      \n      <div class=\"hero\">\n        <div class=\"hero-badge\">\ud83d\udee1\ufe0f SECTEUR ASSURANCE & MUTUELLE<\/div>\n        <h1>Tout pour r\u00e9ussir votre protection et votre mutuelle<\/h1>\n        <p>Mutuelle sant\u00e9, assurance voyage, import-export, assurances obligatoires \u00b7 5 calculateurs pour estimer votre prime.<\/p>\n        <div class=\"hero-chips\">\n          <span class=\"hero-chip\">\ud83c\udfe5 Mutuelle sant\u00e9<\/span>\n          <span class=\"hero-chip\">\u2708\ufe0f Assurance voyage<\/span>\n          <span class=\"hero-chip\">\ud83d\udce6 Import-Export<\/span>\n          <span class=\"hero-chip\">\ud83e\uddee 5 calculateurs<\/span>\n        <\/div>\n      <\/div>\n\n      <div class=\"body\">\n        <div class=\"pub\">\n          <span class=\"pub-label\">\ud83d\udce2 PUBLICIT\u00c9 PARTENAIRE<\/span>\n          <a href=\"https:\/\/b2bcongo.com\/en\/contact\/\" class=\"pub-inner\">\n            <div class=\"pub-image\">[ IMAGE 320\u00d7180 \u00c0 REMPLACER ]<\/div>\n            <div class=\"pub-content\"><h3 class=\"pub-title\">[Nom du partenaire \u00e0 remplacer]<\/h3><p class=\"pub-desc\">[Description courte...]<\/p><span class=\"pub-cta\">En savoir plus \u2192<\/span><\/div>\n          <\/a>\n        <\/div>\n\n        <div class=\"section\">\n          <div class=\"section-header\"><h2>\ud83c\udfaf Campagnes en cours<\/h2><p>Profitez de nos campagnes avec tarifs pr\u00e9f\u00e9rentiels.<\/p><\/div>\n          <div class=\"campagnes-grid\">\n                          <div class=\"campagne-card bleu\">\n                <span class=\"campagne-badge\">CAMPAGNE VOYAGE<\/span>\n                <span class=\"campagne-icon\">\u2708\ufe0f<\/span>\n                <h3 class=\"campagne-titre\">Assurance voyage Schengen \/ Canada<\/h3>\n                <p class=\"campagne-desc\">Attestation imm\u00e9diate \u00b7 Couverture 30 000 \u20ac minimum \u00b7 Tarif campagne \u00e0 partir de 45 USD.<\/p>\n                <button type=\"button\" class=\"campagne-btn\" onclick=\"b2bAssurOpenTab('voyage');\">\ud83d\udccb Devis<\/button>\n              <\/div>\n                          <div class=\"campagne-card vert\">\n                <span class=\"campagne-badge\">CAMPAGNE ENTREPRISE<\/span>\n                <span class=\"campagne-icon\">\ud83c\udfe5<\/span>\n                <h3 class=\"campagne-titre\">Mutuelle sant\u00e9 entreprise<\/h3>\n                <p class=\"campagne-desc\">Salari\u00e9s et familles \u00b7 Acc\u00e8s clinique + r\u00e9seau partenaires \u00b7 Tarif d\u00e9gressif.<\/p>\n                <button type=\"button\" class=\"campagne-btn\" onclick=\"b2bAssurOpenTab('mutuelle');\">\ud83d\udccb Devis<\/button>\n              <\/div>\n                          <div class=\"campagne-card orange\">\n                <span class=\"campagne-badge\">CAMPAGNE IMPORT-EXPORT<\/span>\n                <span class=\"campagne-icon\">\ud83d\udce6<\/span>\n                <h3 class=\"campagne-titre\">Assurance marchandises<\/h3>\n                <p class=\"campagne-desc\">Cargaisons maritimes, a\u00e9riennes et routi\u00e8res \u00b7 Partenaires internationaux.<\/p>\n                <button type=\"button\" class=\"campagne-btn\" onclick=\"b2bAssurOpenTab('cargo');\">\ud83d\udccb Devis<\/button>\n              <\/div>\n                      <\/div>\n        <\/div>\n\n        <div class=\"section\">\n          <div class=\"mutuelle-block\">\n            <div class=\"mutuelle-header\">\n              <span class=\"mutuelle-icon\">\ud83c\udfe5<\/span>\n              <div>\n                <h2 class=\"mutuelle-titre\">Mutuelle Sant\u00e9 Check-up Sant\u00e9<\/h2>\n                <p class=\"mutuelle-sous-titre\">Op\u00e9r\u00e9e par Centre M\u00e9dical Check-up Sant\u00e9 ASBL et son r\u00e9seau de partenaires.<\/p>\n              <\/div>\n            <\/div>\n            <div class=\"mutuelle-grid\">\n                              <div class=\"mutuelle-card\">\n                  <h3>Mutuelle Individuelle<\/h3>\n                  <p class=\"mutuelle-public\">Adultes seuls<\/p>\n                  <p class=\"mutuelle-desc\">Consultations, examens de base, hospitalisation courte dur\u00e9e.<\/p>\n                                      <div class=\"mutuelle-prix\">$15 <small>\/ mois \/ adh\u00e9rent<\/small><\/div>\n                                    <a href=\"https:\/\/wa.me\/243842445139?text=Bonjour%2C+je+souhaite+souscrire+%C3%A0+la+Mutuelle+Individuelle\" target=\"_blank\" class=\"mutuelle-btn\">\ud83d\udce9 Souscrire<\/a>\n                <\/div>\n                              <div class=\"mutuelle-card\">\n                  <h3>Mutuelle Famille<\/h3>\n                  <p class=\"mutuelle-public\">Couple + enfants<\/p>\n                  <p class=\"mutuelle-desc\">Couverture compl\u00e8te pour toute la famille.<\/p>\n                                      <div class=\"mutuelle-prix\">$40 <small>\/ mois \/ adh\u00e9rent<\/small><\/div>\n                                    <a href=\"https:\/\/wa.me\/243842445139?text=Bonjour%2C+je+souhaite+souscrire+%C3%A0+la+Mutuelle+Famille\" target=\"_blank\" class=\"mutuelle-btn\">\ud83d\udce9 Souscrire<\/a>\n                <\/div>\n                              <div class=\"mutuelle-card\">\n                  <h3>Mutuelle Entreprise<\/h3>\n                  <p class=\"mutuelle-public\">PME et grandes entreprises<\/p>\n                  <p class=\"mutuelle-desc\">Solution sur mesure \u00b7 Tarif d\u00e9gressif selon effectif.<\/p>\n                                      <div class=\"mutuelle-prix\">Devis personnalis\u00e9<\/div>\n                                    <a href=\"https:\/\/wa.me\/243842445139?text=Bonjour%2C+je+souhaite+souscrire+%C3%A0+la+Mutuelle+Entreprise\" target=\"_blank\" class=\"mutuelle-btn\">\ud83d\udce9 Souscrire<\/a>\n                <\/div>\n                              <div class=\"mutuelle-card\">\n                  <h3>Mutuelle Diaspora<\/h3>\n                  <p class=\"mutuelle-public\">Congolais de l&#039;\u00e9tranger<\/p>\n                  <p class=\"mutuelle-desc\">Pour la famille rest\u00e9e au pays \u00b7 Paiement depuis l&#039;\u00e9tranger.<\/p>\n                                      <div class=\"mutuelle-prix\">$25 <small>\/ mois \/ adh\u00e9rent<\/small><\/div>\n                                    <a href=\"https:\/\/wa.me\/243842445139?text=Bonjour%2C+je+souhaite+souscrire+%C3%A0+la+Mutuelle+Diaspora\" target=\"_blank\" class=\"mutuelle-btn\">\ud83d\udce9 Souscrire<\/a>\n                <\/div>\n                          <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"section\">\n          <div class=\"calc-section\">\n            <div class=\"calc-badge\">\ud83e\uddee 5 CALCULATEURS EN LIGNE<\/div>\n            <h2 class=\"calc-title\">Estimez votre prime en 30 secondes<\/h2>\n            <p class=\"calc-subtitle\">Mutuelle, voyage, cargo, RC auto, comparateur \u2014 r\u00e9sultats instantan\u00e9s.<\/p>\n            <div class=\"tabs\">\n              <button class=\"tab-btn active\" data-tab=\"mutuelle\">\ud83c\udfe5 Mutuelle Sant\u00e9<\/button>\n              <button class=\"tab-btn\" data-tab=\"voyage\">\u2708\ufe0f Voyage<\/button>\n              <button class=\"tab-btn\" data-tab=\"cargo\">\ud83d\udce6 Cargo<\/button>\n              <button class=\"tab-btn\" data-tab=\"rcauto\">\ud83d\ude97 RC Auto<\/button>\n              <button class=\"tab-btn\" data-tab=\"comparateur\">\ud83d\udcca Comparateur<\/button>\n            <\/div>\n\n            <div class=\"calc-block active\" data-tab=\"mutuelle\">\n              <h3>\ud83c\udfe5 Calculateur Mutuelle Sant\u00e9<\/h3>\n              <p>Estimez votre cotisation mensuelle.<\/p>\n              <div class=\"row\">\n                <div class=\"field\"><label>\ud83d\udc64 Type d'adh\u00e9rent *<\/label><select id=\"mut_type\" required><option value=\"\">\u2014 Choisir \u2014<\/option><option value=\"individuel\">Individuel<\/option><option value=\"famille\">Famille<\/option><option value=\"monoparental\">Monoparental<\/option><option value=\"entreprise\">Entreprise<\/option><option value=\"diaspora\">Diaspora<\/option><\/select><\/div>\n                <div class=\"field\"><label>\ud83d\udc65 Nombre de personnes *<\/label><input type=\"number\" id=\"mut_nb\" min=\"1\" value=\"1\" required \/><\/div>\n              <\/div>\n              <div class=\"row\">\n                <div class=\"field\"><label>\ud83c\udf82 Tranche d'\u00e2ge *<\/label><select id=\"mut_age\" required><option value=\"jeune\">0-17 ans<\/option><option value=\"adulte\" selected>18-45 ans<\/option><option value=\"senior\">46-65 ans<\/option><option value=\"doyen\">Plus de 65 ans<\/option><\/select><\/div>\n                <div class=\"field\"><label>\ud83d\udccd Ville \/ Zone *<\/label><select id=\"mut_zone\" required><option value=\"kinshasa\">Kinshasa<\/option><option value=\"grande_ville\">Autre grande ville<\/option><option value=\"province\">Province \u00e9loign\u00e9e<\/option><\/select><\/div>\n              <\/div>\n              <div class=\"row\">\n                <div class=\"field\"><label>\u2b50 Niveau de couverture *<\/label><select id=\"mut_couv\" required><option value=\"essentiel\">Essentiel<\/option><option value=\"standard\" selected>Standard<\/option><option value=\"confort\">Confort<\/option><option value=\"premium\">Premium<\/option><\/select><\/div>\n                <div class=\"field\"><label>\u2795 Options<\/label><select id=\"mut_options\"><option value=\"aucune\">Aucune<\/option><option value=\"dentaire\">+ Dentaire<\/option><option value=\"optique\">+ Optique<\/option><option value=\"maternite\">+ Maternit\u00e9<\/option><option value=\"tout\">+ Tout inclus<\/option><\/select><\/div>\n              <\/div>\n              <button type=\"button\" class=\"btn-calc\" onclick=\"b2bAssurCalcMutuelle()\">\ud83e\uddee Calculer ma cotisation<\/button>\n              <div id=\"mut_result\" class=\"result\"><\/div>\n              <div id=\"mut_lead\" class=\"lead-form-box\"><\/div>\n            <\/div>\n\n            <div class=\"calc-block\" data-tab=\"voyage\">\n              <h3>\u2708\ufe0f Calculateur Assurance Voyage<\/h3>\n              <p>Estimez votre prime selon la destination et la dur\u00e9e.<\/p>\n              <div class=\"row\">\n                <div class=\"field\"><label>\ud83c\udf0d Destination *<\/label><select id=\"voy_dest\" required><option value=\"\">\u2014 Choisir \u2014<\/option><option value=\"schengen\">Schengen (Europe)<\/option><option value=\"canada\">Canada \/ USA<\/option><option value=\"asie\">Asie<\/option><option value=\"moyen_orient\">Moyen-Orient<\/option><option value=\"afrique\">Afrique (hors RDC)<\/option><option value=\"monde\">Monde entier<\/option><\/select><\/div>\n                <div class=\"field\"><label>\u2708\ufe0f Motif *<\/label><select id=\"voy_motif\" required><option value=\"tourisme\">Tourisme<\/option><option value=\"affaires\" selected>Affaires<\/option><option value=\"etudes\">\u00c9tudes<\/option><option value=\"famille\">Visite familiale<\/option><option value=\"medical\">Traitement m\u00e9dical<\/option><\/select><\/div>\n              <\/div>\n              <div class=\"row\">\n                <div class=\"field\"><label>\ud83d\udc64 \u00c2ge voyageur *<\/label><input type=\"number\" id=\"voy_age\" min=\"1\" max=\"90\" value=\"35\" required \/><\/div>\n                <div class=\"field\"><label>\ud83d\udc65 Nombre de voyageurs *<\/label><input type=\"number\" id=\"voy_nb\" min=\"1\" value=\"1\" required \/><\/div>\n              <\/div>\n              <div class=\"row\">\n                <div class=\"field\"><label>\ud83d\udcc5 Dur\u00e9e (jours) *<\/label><input type=\"number\" id=\"voy_jours\" min=\"1\" value=\"15\" required \/><\/div>\n                <div class=\"field\"><label>\u2b50 Garanties *<\/label><select id=\"voy_couv\" required><option value=\"base\">Base (30 000 \u20ac)<\/option><option value=\"standard\" selected>Standard (50 000 \u20ac)<\/option><option value=\"premium\">Premium (100 000 \u20ac)<\/option><option value=\"confort\">Confort (150 000 \u20ac)<\/option><\/select><\/div>\n              <\/div>\n              <button type=\"button\" class=\"btn-calc\" onclick=\"b2bAssurCalcVoyage()\">\ud83e\uddee Calculer ma prime voyage<\/button>\n              <div id=\"voy_result\" class=\"result\"><\/div>\n              <div id=\"voy_lead\" class=\"lead-form-box\"><\/div>\n            <\/div>\n\n            <div class=\"calc-block\" data-tab=\"cargo\">\n              <h3>\ud83d\udce6 Calculateur Assurance Cargo<\/h3>\n              <p>Estimez votre prime pour l'import-export.<\/p>\n              <div class=\"row\">\n                <div class=\"field\"><label>\ud83d\udea2 Mode *<\/label><select id=\"cargo_mode\" required><option value=\"\">\u2014 Choisir \u2014<\/option><option value=\"maritime_fcl\">Maritime FCL<\/option><option value=\"maritime_lcl\">Maritime LCL<\/option><option value=\"aerien\">A\u00e9rien<\/option><option value=\"routier\">Routier<\/option><option value=\"multi\">Multi-transport<\/option><\/select><\/div>\n                <div class=\"field\"><label>\ud83d\udcbc Type marchandise *<\/label><select id=\"cargo_type\" required><option value=\"general\" selected>G\u00e9n\u00e9rale<\/option><option value=\"alimentaire\">Alimentaire<\/option><option value=\"electronique\">\u00c9lectronique<\/option><option value=\"materiaux\">Mat\u00e9riaux<\/option><option value=\"textile\">Textile<\/option><option value=\"pharma\">Pharmaceutique<\/option><option value=\"vehicules\">V\u00e9hicules<\/option><\/select><\/div>\n              <\/div>\n              <div class=\"row\">\n                <div class=\"field\"><label>\ud83d\udcb0 Valeur (USD) *<\/label><input type=\"number\" id=\"cargo_valeur\" min=\"100\" step=\"100\" placeholder=\"ex: 50000\" required \/><\/div>\n                <div class=\"field\"><label>\ud83d\udccd Route *<\/label><select id=\"cargo_route\" required><option value=\"international_rdc\">International \u2192 RDC<\/option><option value=\"rdc_international\">RDC \u2192 International<\/option><option value=\"interne_rdc\">Interne RDC<\/option><option value=\"afrique\">RDC \u2194 Afrique<\/option><\/select><\/div>\n              <\/div>\n              <div class=\"row\">\n                <div class=\"field\"><label>\u2b50 Garanties *<\/label><select id=\"cargo_couv\" required><option value=\"base\">Base<\/option><option value=\"standard\" selected>Standard (tous risques)<\/option><option value=\"premium\">Premium (+ vol + retard)<\/option><option value=\"confort\">Confort<\/option><\/select><\/div>\n              <\/div>\n              <button type=\"button\" class=\"btn-calc\" onclick=\"b2bAssurCalcCargo()\">\ud83e\uddee Calculer ma prime cargo<\/button>\n              <div id=\"cargo_result\" class=\"result\"><\/div>\n              <div id=\"cargo_lead\" class=\"lead-form-box\"><\/div>\n            <\/div>\n\n            <div class=\"calc-block\" data-tab=\"rcauto\">\n              <h3>\ud83d\ude97 Calculateur RC Auto<\/h3>\n              <p>Estimez votre prime d'assurance auto.<\/p>\n              <div class=\"row\">\n                <div class=\"field\"><label>\ud83d\ude99 Cat\u00e9gorie *<\/label><select id=\"rc_cat\" required><option value=\"\">\u2014 Choisir \u2014<\/option><option value=\"citadine\">Citadine<\/option><option value=\"berline\">Berline<\/option><option value=\"suv\">SUV \/ 4x4<\/option><option value=\"utilitaire\">Utilitaire<\/option><option value=\"camion\">Camion<\/option><option value=\"moto\">Moto<\/option><\/select><\/div>\n                <div class=\"field\"><label>\u2699\ufe0f Usage *<\/label><select id=\"rc_usage\" required><option value=\"prive\">Priv\u00e9<\/option><option value=\"professionnel\" selected>Professionnel<\/option><option value=\"commercial\">Commercial<\/option><option value=\"taxi\">Taxi \/ VTC<\/option><\/select><\/div>\n              <\/div>\n              <div class=\"row\">\n                <div class=\"field\"><label>\ud83d\udd0b Puissance (CV) *<\/label><input type=\"number\" id=\"rc_cv\" min=\"1\" max=\"30\" value=\"8\" required \/><\/div>\n                <div class=\"field\"><label>\ud83d\udcc5 Ann\u00e9e *<\/label><input type=\"number\" id=\"rc_annee\" min=\"1980\" max=\"2026\" value=\"2020\" required \/><\/div>\n              <\/div>\n              <div class=\"row\">\n                <div class=\"field\"><label>\ud83d\udccd Zone *<\/label><select id=\"rc_zone\" required><option value=\"kinshasa\">Kinshasa<\/option><option value=\"grande_ville\">Autre grande ville<\/option><option value=\"province\">Province<\/option><option value=\"rural\">Zone rurale<\/option><\/select><\/div>\n                <div class=\"field\"><label>\u2b50 Formule *<\/label><select id=\"rc_formule\" required><option value=\"rc_seule\">RC seule<\/option><option value=\"tiers\" selected>Tiers<\/option><option value=\"tous_risques\">Tous risques<\/option><\/select><\/div>\n              <\/div>\n              <button type=\"button\" class=\"btn-calc\" onclick=\"b2bAssurCalcRCAuto()\">\ud83e\uddee Calculer ma prime auto<\/button>\n              <div id=\"rc_result\" class=\"result\"><\/div>\n              <div id=\"rc_lead\" class=\"lead-form-box\"><\/div>\n            <\/div>\n\n            <div class=\"calc-block\" data-tab=\"comparateur\">\n              <h3>\ud83d\udcca Comparateur Mutuelle vs Assurance<\/h3>\n              <p>Comparez les deux mod\u00e8les.<\/p>\n              <div class=\"row\">\n                <div class=\"field\"><label>\ud83d\udc65 Salari\u00e9s *<\/label><input type=\"number\" id=\"cmp_nb\" min=\"1\" value=\"20\" required \/><\/div>\n                <div class=\"field\"><label>\ud83d\udc68\u200d\ud83d\udc69\u200d\ud83d\udc67 Ayants par salari\u00e9<\/label><select id=\"cmp_ayants\"><option value=\"0\">Aucun<\/option><option value=\"1\">1<\/option><option value=\"2\" selected>2<\/option><option value=\"3\">3<\/option><option value=\"4\">4+<\/option><\/select><\/div>\n              <\/div>\n              <div class=\"row\">\n                <div class=\"field\"><label>\ud83d\udcbc Secteur *<\/label><select id=\"cmp_secteur\" required><option value=\"services\">Services<\/option><option value=\"industrie\">Industrie \/ Mines<\/option><option value=\"btp\">BTP<\/option><option value=\"sante\">Sant\u00e9<\/option><option value=\"commerce\">Commerce<\/option><option value=\"autre\">Autre<\/option><\/select><\/div>\n                <div class=\"field\"><label>\u2b50 Niveau *<\/label><select id=\"cmp_niveau\" required><option value=\"essentiel\">Essentiel<\/option><option value=\"standard\" selected>Standard<\/option><option value=\"confort\">Confort<\/option><option value=\"premium\">Premium<\/option><\/select><\/div>\n              <\/div>\n              <button type=\"button\" class=\"btn-calc\" onclick=\"b2bAssurCalcComparateur()\">\ud83e\uddee Comparer<\/button>\n              <div id=\"cmp_result\" class=\"result\"><\/div>\n              <div id=\"cmp_lead\" class=\"lead-form-box\"><\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"pub\">\n          <span class=\"pub-label\">\ud83d\udce2 PUBLICIT\u00c9 PARTENAIRE<\/span>\n          <a href=\"https:\/\/b2bcongo.com\/en\/contact\/\" class=\"pub-inner\">\n            <div class=\"pub-image\">[ IMAGE 320\u00d7180 \u00c0 REMPLACER ]<\/div>\n            <div class=\"pub-content\"><h3 class=\"pub-title\">[Nom du partenaire \u00e0 remplacer]<\/h3><p class=\"pub-desc\">[Description courte...]<\/p><span class=\"pub-cta\">En savoir plus \u2192<\/span><\/div>\n          <\/a>\n        <\/div>\n\n        <div class=\"section\">\n          <div class=\"section-header\"><h2>\ud83d\udcbc Nos services assurance & mutuelle<\/h2><p>Courtage, gestion sinistres, audit, formation.<\/p><\/div>\n          <div class=\"services-grid\">\n            <div class=\"service-card\"><span class=\"service-icon\">\ud83d\udccb<\/span><h4>Courtage & conseil<\/h4><p>S\u00e9lection des meilleures polices.<\/p><\/div>\n            <div class=\"service-card\"><span class=\"service-icon\">\ud83d\udcc2<\/span><h4>Gestion sinistres<\/h4><p>De la d\u00e9claration \u00e0 l'indemnisation.<\/p><\/div>\n            <div class=\"service-card\"><span class=\"service-icon\">\ud83c\udf93<\/span><h4>Formation agents<\/h4><p>Formation \u00e0 la vente d'assurances.<\/p><\/div>\n            <div class=\"service-card\"><span class=\"service-icon\">\ud83d\udd0d<\/span><h4>Audit risques<\/h4><p>Analyse et recommandations.<\/p><\/div>\n            <div class=\"service-card\"><span class=\"service-icon\">\ud83c\udfe5<\/span><h4>R\u00e9seau m\u00e9dical<\/h4><p>Cliniques partenaires B2B Congo.<\/p><\/div>\n            <div class=\"service-card\"><span class=\"service-icon\">\ud83d\udcbc<\/span><h4>Assurance entreprise<\/h4><p>Solutions groupe.<\/p><\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"section\">\n          <div class=\"leads-box\">\n            <h3 class=\"leads-title\">\ud83c\udfaf Derniers leads qualifi\u00e9s en Assurance<\/h3>\n            <div class=\"lead-item\"><div class=\"lead-info\">Mutuelle entreprise 45 salari\u00e9s \u00b7 Kinshasa<small>Budget : <span class=\"lead-blur\">XX XXX $\/an<\/span><\/small><\/div><span class=\"lead-lock\">\ud83d\udd12 R\u00e9serv\u00e9 membres 4C<\/span><\/div>\n            <div class=\"lead-item\"><div class=\"lead-info\">Assurance voyage Schengen famille 4 pers. \u00b7 Lubumbashi<small>Cette semaine<\/small><\/div><span class=\"lead-lock\">\ud83d\udd12 R\u00e9serv\u00e9 membres 4C<\/span><\/div>\n            <div class=\"lead-item\"><div class=\"lead-info\">Cargo maritime 3 conteneurs 40' \u00b7 Kinshasa<small>Valeur : <span class=\"lead-blur\">XXX XXX $<\/span><\/small><\/div><span class=\"lead-lock\">\ud83d\udd12 R\u00e9serv\u00e9 membres 4C<\/span><\/div>\n          <\/div>\n        <\/div>\n\n        <div class=\"cta-4c\">\n          <h2>\ud83c\udfdb\ufe0f Acc\u00e9dez \u00e0 tous les leads qualifi\u00e9s<\/h2>\n          <p>Devenez membre 4C pour recevoir les demandes d'assurance et de mutuelle.<\/p>\n          <a href=\"https:\/\/b2bcongo.com\/en\/membre-4c-2\/\" class=\"cta-4c-btn\">\ud83d\ude80 Devenir membre 4C<\/a>\n          <a href=\"https:\/\/b2bcongo.com\/en\/contact\/\" class=\"cta-4c-secondary\">\ud83d\udcde Nous contacter<\/a>\n        <\/div>\n      <\/div>\n    <\/div>\n\n    <script>\n    (function(){\n      document.querySelectorAll('#b2b-assur .tab-btn').forEach(function(btn){\n        btn.addEventListener('click', function(){\n          var tab = this.dataset.tab;\n          document.querySelectorAll('#b2b-assur .tab-btn').forEach(function(b){ b.classList.remove('active'); });\n          document.querySelectorAll('#b2b-assur .calc-block').forEach(function(b){ b.classList.remove('active'); });\n          this.classList.add('active');\n          var block = document.querySelector('#b2b-assur .calc-block[data-tab=\"'+tab+'\"]');\n          if (block) block.classList.add('active');\n        });\n      });\n\n      window.b2bAssurOpenTab = function(tab){\n        document.querySelectorAll('#b2b-assur .tab-btn').forEach(function(b){ b.classList.remove('active'); });\n        document.querySelectorAll('#b2b-assur .calc-block').forEach(function(b){ b.classList.remove('active'); });\n        var btn = document.querySelector('#b2b-assur .tab-btn[data-tab=\"'+tab+'\"]');\n        var block = document.querySelector('#b2b-assur .calc-block[data-tab=\"'+tab+'\"]');\n        if (btn) btn.classList.add('active');\n        if (block) block.classList.add('active');\n        var section = document.querySelector('#b2b-assur .calc-section');\n        if (section) section.scrollIntoView({behavior:'smooth',block:'start'});\n      };\n\n      window.b2bAssurFmt = function(n){ return '$' + Number(n).toLocaleString('fr-FR',{maximumFractionDigits:0}); };\n\n      window.b2bAssurLeadFormHTML = function(id, label){\n        return '<h4>\ud83d\udce9 Recevez votre devis officiel<\/h4>' +\n          '<p>Votre estimation est pr\u00eate.<\/p>' +\n          '<form onsubmit=\"return window.b2bAssurSubmitLead(event,\\'' + id + '\\',\\'' + label + '\\')\">' +\n          '<input type=\"text\" name=\"site_url_confirm\" class=\"hp-field\" tabindex=\"-1\" autocomplete=\"off\" \/>' +\n          '<input type=\"text\" name=\"nom\" placeholder=\"Nom complet *\" required \/>' +\n          '<input type=\"email\" name=\"email\" placeholder=\"Email *\" required \/>' +\n          '<input type=\"tel\" name=\"telephone\" placeholder=\"T\u00e9l\u00e9phone \/ WhatsApp *\" required \/>' +\n          '<input type=\"text\" name=\"ville\" placeholder=\"Ville \/ Territoire *\" required \/>' +\n          '<select name=\"delai\" required><option value=\"\">\u2014 D\u00e9lai \u2014<\/option><option>Imm\u00e9diat<\/option><option>Sous 1 mois<\/option><option>Sous 3 mois<\/option><\/select>' +\n          '<label style=\"display:flex;gap:10px;font-size:.88rem;color:#54637A;margin:8px 0 12px;\"><input type=\"checkbox\" required style=\"margin-top:4px;width:18px;height:18px;\" \/><span>J\\'accepte d\\'\u00eatre contact\u00e9 sous 48h<\/span><\/label>' +\n          '<button type=\"submit\" class=\"lead-btn\">\ud83d\ude80 Recevoir mon devis<\/button>' +\n          '<a href=\"https:\/\/wa.me\/243842445139?text=Bonjour\" target=\"_blank\" class=\"lead-wa\">\ud83d\udcac Parler \u00e0 un courtier<\/a>' +\n          '<\/form>';\n      };\n\n      window.b2bAssurCalcMutuelle = function(){\n        var type = document.getElementById('mut_type').value;\n        var nb = parseInt(document.getElementById('mut_nb').value) || 1;\n        var age = document.getElementById('mut_age').value;\n        var zone = document.getElementById('mut_zone').value;\n        var couv = document.getElementById('mut_couv').value;\n        var options = document.getElementById('mut_options').value;\n        if (!type) { alert('Choisissez un type d\\'adh\u00e9rent'); return false; }\n        var baseParPers = { individuel: 15, famille: 20, monoparental: 18, entreprise: 22, diaspora: 25 };\n  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'<\/div><\/div><div class=\"result-item\"><div class=\"label\">Total \/ mois<\/div><div class=\"value\">' + window.b2bAssurFmt(cotisMois) + '<\/div><\/div><div class=\"result-item\"><div class=\"label\">Total \/ an<\/div><div class=\"value\">' + window.b2bAssurFmt(cotisAn) + '<\/div><\/div><\/div><div class=\"result-cta\"><div class=\"result-cta-text\"><strong>\ud83c\udfaf Devis officiel sous 48h<\/strong><span>R\u00e9duction 10% pour paiement annuel.<\/span><\/div><button type=\"button\" class=\"result-cta-btn\" onclick=\"document.getElementById(\\'mut_lead\\').scrollIntoView({behavior:\\'smooth\\'});\">\ud83d\udce9 Devis \u2192<\/button><\/div>';\n        var lead = document.getElementById('mut_lead');\n        lead.innerHTML = window.b2bAssurLeadFormHTML('mutuelle', 'Mutuelle');\n        lead.classList.add('visible');\n        lead.dataset.summary = 'Mutuelle ' + type + ' \u00b7 ' + nb + ' pers. \u00b7 ' + couv + ' \u00b7 ' + window.b2bAssurFmt(cotisMois) + '\/mois';\n        return false;\n      };\n\n      window.b2bAssurCalcVoyage = function(){\n        var dest = document.getElementById('voy_dest').value;\n        var motif = document.getElementById('voy_motif').value;\n        var age = parseInt(document.getElementById('voy_age').value) || 35;\n        var nb = parseInt(document.getElementById('voy_nb').value) || 1;\n        var jours = parseInt(document.getElementById('voy_jours').value) || 15;\n        var couv = document.getElementById('voy_couv').value;\n        if (!dest) { alert('Choisissez une destination'); return false; }\n        var base = { schengen: 1.8, canada: 2.2, asie: 1.6, moyen_orient: 1.7, afrique: 1.4, monde: 2.5 };\n        var coefMotif = { tourisme: 1.0, affaires: 1.15, etudes: 1.3, famille: 1.0, medical: 1.5 };\n        var coefAge = age < 18 ? 0.8 : (age < 50 ? 1.0 : (age < 65 ? 1.4 : 1.9));\n        var coefCouv = { base: 0.8, standard: 1.0, premium: 1.5, confort: 1.9 };\n        var primeParJour = (base[dest] || 1.8) * coefMotif[motif] * coefAge * coefCouv[couv];\n        var primeTotale = primeParJour * jours * nb;\n        var primeParPers = primeTotale \/ nb;\n        var r = document.getElementById('voy_result');\n        r.classList.add('visible');\n        r.innerHTML = '<h4>\ud83d\udcca Prime voyage estim\u00e9e<\/h4><div class=\"result-grid\"><div class=\"result-item\"><div class=\"label\">Voyageurs<\/div><div class=\"value\">' + nb + '<\/div><\/div><div class=\"result-item\"><div class=\"label\">Dur\u00e9e<\/div><div class=\"value\">' + jours + ' j<\/div><\/div><div class=\"result-item\"><div class=\"label\">Par pers.<\/div><div class=\"value\">' + window.b2bAssurFmt(primeParPers) + '<\/div><\/div><div class=\"result-item\"><div class=\"label\">Total<\/div><div class=\"value\">' + window.b2bAssurFmt(primeTotale) + '<\/div><\/div><\/div><div class=\"result-cta\"><div class=\"result-cta-text\"><strong>\ud83d\udcc4 Attestation imm\u00e9diate<\/strong><span>Conforme exigences ambassades.<\/span><\/div><button type=\"button\" class=\"result-cta-btn\" onclick=\"document.getElementById(\\'voy_lead\\').scrollIntoView({behavior:\\'smooth\\'});\">\ud83d\udce9 Devis \u2192<\/button><\/div>';\n        var lead = document.getElementById('voy_lead');\n        lead.innerHTML = window.b2bAssurLeadFormHTML('voyage', 'Voyage');\n        lead.classList.add('visible');\n        lead.dataset.summary = 'Voyage ' + dest + ' \u00b7 ' + nb + ' pers. \u00b7 ' + jours + ' jours \u00b7 ' + window.b2bAssurFmt(primeTotale);\n        return false;\n      };\n\n      window.b2bAssurCalcCargo = function(){\n        var mode = document.getElementById('cargo_mode').value;\n        var type = document.getElementById('cargo_type').value;\n        var valeur = parseFloat(document.getElementById('cargo_valeur').value) || 0;\n        var route = document.getElementById('cargo_route').value;\n        var couv = document.getElementById('cargo_couv').value;\n        if (!mode || !valeur) { alert('Mode et valeur obligatoires'); return false; }\n        var tauxBase = { maritime_fcl: 0.005, maritime_lcl: 0.007, aerien: 0.004, routier: 0.0035, multi: 0.006 };\n        var coefType = { general: 1.0, alimentaire: 1.2, electronique: 1.5, materiaux: 0.9, textile: 1.0, pharma: 1.8, vehicules: 1.3 };\n        var coefRoute = { international_rdc: 1.0, rdc_international: 1.0, interne_rdc: 0.8, afrique: 1.1 };\n        var coefCouv = { base: 0.8, standard: 1.0, premium: 1.3, confort: 1.5 };\n        var taux = (tauxBase[mode] || 0.005) * coefType[type] * coefRoute[route] * coefCouv[couv];\n        var prime = valeur * taux;\n        var franchise = valeur * 0.02;\n        var r = document.getElementById('cargo_result');\n        r.classList.add('visible');\n        r.innerHTML = '<h4>\ud83d\udcca Prime cargo estim\u00e9e<\/h4><div class=\"result-grid\"><div class=\"result-item\"><div class=\"label\">Valeur assur\u00e9e<\/div><div class=\"value\">' + window.b2bAssurFmt(valeur) + '<\/div><\/div><div class=\"result-item\"><div class=\"label\">Taux<\/div><div class=\"value\">' + (taux * 100).toFixed(2) + ' %<\/div><\/div><div class=\"result-item\"><div class=\"label\">Prime<\/div><div class=\"value\">' + window.b2bAssurFmt(prime) + '<\/div><\/div><div class=\"result-item\"><div class=\"label\">Franchise<\/div><div class=\"value\">' + window.b2bAssurFmt(franchise) + '<\/div><\/div><\/div><div class=\"result-cta\"><div class=\"result-cta-text\"><strong>\ud83d\udea2 Prise en charge rapide<\/strong><\/div><button type=\"button\" class=\"result-cta-btn\" onclick=\"document.getElementById(\\'cargo_lead\\').scrollIntoView({behavior:\\'smooth\\'});\">\ud83d\udce9 Devis \u2192<\/button><\/div>';\n        var lead = document.getElementById('cargo_lead');\n        lead.innerHTML = window.b2bAssurLeadFormHTML('cargo', 'Cargo');\n        lead.classList.add('visible');\n        lead.dataset.summary = 'Cargo ' + mode + ' \u00b7 ' + type + ' \u00b7 ' + window.b2bAssurFmt(valeur) + ' \u00b7 Prime ' + window.b2bAssurFmt(prime);\n        return false;\n      };\n\n      window.b2bAssurCalcRCAuto = function(){\n        var cat = document.getElementById('rc_cat').value;\n        var usage = document.getElementById('rc_usage').value;\n        var cv = parseInt(document.getElementById('rc_cv').value) || 8;\n        var annee = parseInt(document.getElementById('rc_annee').value) || 2020;\n        var zone = document.getElementById('rc_zone').value;\n        var formule = document.getElementById('rc_formule').value;\n        if (!cat) { alert('Choisissez une cat\u00e9gorie'); return false; }\n        var baseRC = { citadine: 120, berline: 150, suv: 200, utilitaire: 250, camion: 400, moto: 80 };\n        var coefUsage = { prive: 1.0, professionnel: 1.2, commercial: 1.5, taxi: 1.8 };\n        var coefCV = 1 + (cv - 8) * 0.03;\n        var coefAnnee = annee < 2000 ? 1.3 : (annee < 2015 ? 1.1 : 1.0);\n        var coefZone = { kinshasa: 1.1, grande_ville: 1.0, province: 0.95, rural: 0.9 };\n        var coefFormule = { rc_seule: 1.0, tiers: 1.8, tous_risques: 3.5 };\n        var prime = (baseRC[cat] || 150) * coefUsage[usage] * coefCV * coefAnnee * coefZone[zone] * coefFormule[formule];\n        var r = document.getElementById('rc_result');\n        r.classList.add('visible');\n        r.innerHTML = '<h4>\ud83d\udcca Prime auto estim\u00e9e<\/h4><div class=\"result-grid\"><div class=\"result-item\"><div class=\"label\">Cat\u00e9gorie<\/div><div class=\"value\" style=\"font-size:1rem;\">' + cat + '<\/div><\/div><div class=\"result-item\"><div class=\"label\">Formule<\/div><div class=\"value\" style=\"font-size:1rem;\">' + formule.replace('_', ' ') + '<\/div><\/div><div class=\"result-item\"><div class=\"label\">Zone<\/div><div class=\"value\" style=\"font-size:1rem;\">' + zone.replace('_', ' ') + '<\/div><\/div><div class=\"result-item\"><div class=\"label\">Prime annuelle<\/div><div class=\"value\">' + window.b2bAssurFmt(prime) + '<\/div><\/div><\/div><div class=\"result-cta\"><div class=\"result-cta-text\"><strong>\ud83d\ude97 \u00c9mission imm\u00e9diate<\/strong><\/div><button type=\"button\" class=\"result-cta-btn\" onclick=\"document.getElementById(\\'rc_lead\\').scrollIntoView({behavior:\\'smooth\\'});\">\ud83d\udce9 Devis \u2192<\/button><\/div>';\n        var lead = document.getElementById('rc_lead');\n        lead.innerHTML = window.b2bAssurLeadFormHTML('rc_auto', 'RC Auto');\n        lead.classList.add('visible');\n        lead.dataset.summary = 'RC Auto ' + cat + ' \u00b7 ' + formule + ' \u00b7 ' + window.b2bAssurFmt(prime) + '\/an';\n        return false;\n      };\n\n      window.b2bAssurCalcComparateur = function(){\n        var nb = parseInt(document.getElementById('cmp_nb').value) || 20;\n        var ayants = parseInt(document.getElementById('cmp_ayants').value) || 0;\n        var secteur = document.getElementById('cmp_secteur').value;\n        var niveau = 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'Mutuelle' : 'Assurance';\n        var r = document.getElementById('cmp_result');\n        r.classList.add('visible');\n        r.innerHTML = '<h4>\ud83d\udcca Comparatif Mutuelle vs Assurance<\/h4><div class=\"result-grid\"><div class=\"result-item\"><div class=\"label\">Personnes couvertes<\/div><div class=\"value\">' + totalPers + '<\/div><\/div><div class=\"result-item\"><div class=\"label\">Co\u00fbt Mutuelle<\/div><div class=\"value\">' + window.b2bAssurFmt(coutM) + '<\/div><\/div><div class=\"result-item\"><div class=\"label\">Co\u00fbt Assurance<\/div><div class=\"value\">' + window.b2bAssurFmt(coutA) + '<\/div><\/div><div class=\"result-item\"><div class=\"label\">\u00c9conomie<\/div><div class=\"value\" style=\"color:#10B981;\">' + window.b2bAssurFmt(Math.abs(economie)) + '<\/div><\/div><\/div><div style=\"background:linear-gradient(135deg,#065F46,#10B981);color:#fff;border-radius:14px;padding:18px;margin-bottom:14px;text-align:center;\"><div style=\"font-size:.95rem;opacity:.9;\">Recommandation<\/div><div style=\"font-size:1.4rem;font-weight:900;\">\u2705 ' + reco + ' plus avantageuse<\/div><\/div><div class=\"result-cta\"><div class=\"result-cta-text\"><strong>\ud83c\udfaf \u00c9tude personnalis\u00e9e<\/strong><\/div><button type=\"button\" class=\"result-cta-btn\" onclick=\"document.getElementById(\\'cmp_lead\\').scrollIntoView({behavior:\\'smooth\\'});\">\ud83d\udce9 \u00c9tude \u2192<\/button><\/div>';\n        var lead = document.getElementById('cmp_lead');\n        lead.innerHTML = window.b2bAssurLeadFormHTML('comparateur', 'Comparateur');\n        lead.classList.add('visible');\n        lead.dataset.summary = 'Comparateur \u00b7 ' + nb + ' sal. + ' + ayants + ' ayants \u00b7 Reco ' + reco;\n        return false;\n      };\n\n      window.b2bAssurSubmitLead = function(e, type, label){\n        e.preventDefault();\n        var form = e.target;\n        var data = new FormData(form);\n        var summary = form.closest('.lead-form-box').dataset.summary || '';\n        data.append('action', 'b2b_save_lead');\n        data.append('source', 'assurance');\n        data.append('sujet', label);\n        data.append('calcul_resume', summary);\n        data.append('b2b_nonce', '6ba02cd931');\n        data.append('b2b_timestamp', Math.floor(Date.now() \/ 1000));\n        fetch('https:\/\/b2bcongo.com\/wp-admin\/admin-ajax.php', { method:'POST', body:data })\n          .then(function(r){ return r.json(); })\n          .then(function(res){\n            if (res && res.success) {\n              var waMsg = encodeURIComponent('Bonjour, je suis ' + data.get('nom') + ' de ' + data.get('ville') + '. Simulation ' + label + ' : ' + summary);\n              window.open('https:\/\/wa.me\/243842445139?text=' + waMsg, '_blank');\n              form.parentElement.innerHTML = '<div style=\"text-align:center;padding:30px 10px;\"><div style=\"font-size:3rem;margin-bottom:16px;\">\u2705<\/div><h3 style=\"font-size:1.4rem;margin-bottom:12px;\">Merci ' + data.get('nom') + ' !<\/h3><p style=\"font-size:1rem;color:#54637A;\">R\u00e9ponse sous 48h.<\/p><\/div>';\n            } else {\n              alert((res && res.data && res.data.message) ? res.data.message : 'Erreur');\n            }\n          })\n          .catch(function(){ alert('Erreur r\u00e9seau.'); });\n        return false;\n      };\n    })();\n    <\/script>\n    <\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":1001,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"footnotes":""},"class_list":["post-2037","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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