Maître Elodie DHENRY

Avocat au barreau de Paris

Compétences : Droit du dommage corporel, Droit de la santé, Droit des assurances, Droit de la famille, des personnes et de leur patrimoine, Procédure civile

Barreau : Paris

Adresse : 76 AVENUE DES CHAMPS ELYSEES 75008 PARIS

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Publié le 24/09/2025

Assurance emprunteur : incapacité temporaire ou invalidité permanente ?

Article juridique - Droit des assurances

Par Me Elodie DHENRY

Assurance emprunteur : incapacité temporaire ou invalidité permanente ?

L’assurance emprunteur couvre différents risques : décès, perte totale et irréversible d’autonomie, invalidité, incapacité, plus rarement la perte d’emploi. Mais la différence entre incapacité temporaire et invalidité permanente est parfois difficile à comprendre.

◆L'incapacité temporaire de travail (ITT)

C’est l’impossibilité provisoire d’exercer son activité professionnelle, le temps d’une maladie ou d’un accident.

✅ Exemple : un arrêt de travail de 6 mois après une opération.

◆L'invalidité permanente partielle ou totale (IPP ou IPT)

Elle désigne une atteinte durable réduisant de manière définitive la capacité de travail.

✅ Exemple : une perte partielle définitive de mobilité à la suite d’un accident.

◆Pourquoi cette distinction est importante ?

Parce qu’elle conditionne la garantie mobilisable, le montant et la durée de l’indemnisation par l’assureur.

Pour en savoir plus sur vos droits face à l’assurance emprunteur, vous pouvez également consulter mon article : Assurance emprunteur : décès, invalidité, incapacité… vos droits expliqués

⚖️ En cas de refus ou de contestation de prise en charge, un avocat peut vous aider à vérifier vos droits et à contester la décision de l’assureur.