{"id":21758,"date":"2026-10-16T14:41:54","date_gmt":"2026-10-16T13:41:54","guid":{"rendered":"https:\/\/gam.dz\/le-capital-assure\/"},"modified":"2026-10-16T15:06:58","modified_gmt":"2026-10-16T14:06:58","slug":"le-capital-assure","status":"publish","type":"post","link":"https:\/\/gam.dz\/ar\/le-capital-assure\/","title":{"rendered":"Le capital assur\u00e9"},"content":{"rendered":"<p>Lors de la souscription d\u2019un contrat d\u2019assurance, la valeur d\u00e9clar\u00e9e de vos biens joue un r\u00f4le essentiel dans l\u2019\u00e9tendue de votre protection et dans les conditions d\u2019indemnisation pr\u00e9vues en cas de sinistre.<\/p>\n<p>Cette valeur correspond notamment \u00e0 une notion cl\u00e9 du contrat : le capital assur\u00e9.<\/p>\n<p>Le capital assur\u00e9 correspond \u00e0 la valeur d\u00e9clar\u00e9e du bien au moment de la souscription du contrat d\u2019assurance. C\u2019est sur cette base que sera calcul\u00e9e votre prime d\u2019assurance\u2026 mais aussi le montant maximum de votre indemnisation en cas de sinistre, selon les garanties pr\u00e9vues dans votre contrat.<\/p>\n<p>Par exemple :<br \/>si votre bien est assur\u00e9 \u00e0 hauteur de 2 millions de dinars, l\u2019indemnisation ne pourra pas d\u00e9passer ce montant.<\/p>\n<p>C\u2019est pourquoi il est tr\u00e8s important d\u2019\u00e9valuer correctement la valeur r\u00e9elle de vos biens.<\/p>\n<p>Un capital sous-estim\u00e9 peut r\u00e9duire votre indemnisation\u2026<br \/>et un capital surestim\u00e9 peut entra\u00eener une prime plus \u00e9lev\u00e9e inutilement.<\/p>\n<p>Le bon r\u00e9flexe \u00e0 avoir, Faire le point r\u00e9guli\u00e8rement avec votre assureur pour adapter votre contrat \u00e0 votre situation r\u00e9elle.<\/p>","protected":false},"excerpt":{"rendered":"<p>Lors de la souscription d\u2019un contrat d\u2019assurance, la valeur d\u00e9clar\u00e9e de vos biens joue un r\u00f4le essentiel dans l\u2019\u00e9tendue de votre protection et dans les conditions d\u2019indemnisation pr\u00e9vues en cas de sinistre. Cette valeur correspond notamment \u00e0 une notion cl\u00e9 du contrat : le capital assur\u00e9. Le capital assur\u00e9 correspond \u00e0 la valeur d\u00e9clar\u00e9e du [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":21846,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[37,86],"tags":[],"class_list":["post-21758","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-conseils","category-les-ba-ba-du-contrat-dassurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.1.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le capital assur\u00e9 - GAM Assurances<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/gam.dz\/ar\/le-capital-assure\/\" \/>\n<meta property=\"og:locale\" content=\"ar_AR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le capital assur\u00e9 - GAM Assurances\" \/>\n<meta property=\"og:description\" content=\"Lors de la souscription d\u2019un contrat d\u2019assurance, la valeur d\u00e9clar\u00e9e de vos biens joue un r\u00f4le essentiel dans l\u2019\u00e9tendue de votre protection et dans les conditions d\u2019indemnisation pr\u00e9vues en cas de sinistre. Cette valeur correspond notamment \u00e0 une notion cl\u00e9 du contrat : le capital assur\u00e9. Le capital assur\u00e9 correspond \u00e0 la valeur d\u00e9clar\u00e9e du [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/gam.dz\/ar\/le-capital-assure\/\" \/>\n<meta property=\"og:site_name\" content=\"GAM Assurances\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/GAMassurancesofficiel\/\" \/>\n<meta property=\"article:published_time\" content=\"2026-10-16T13:41:54+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-10-16T14:06:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/gam.dz\/wp-content\/uploads\/03-capital-assure.png\" \/>\n\t<meta property=\"og:image:width\" content=\"940\" \/>\n\t<meta property=\"og:image:height\" content=\"788\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Abderrahmane HADJI\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@gam_assurances\" \/>\n<meta name=\"twitter:site\" content=\"@gam_assurances\" \/>\n<meta name=\"twitter:label1\" content=\"\u0643\u064f\u062a\u0628 \u0628\u0648\u0627\u0633\u0637\u0629\" \/>\n\t<meta name=\"twitter:data1\" content=\"Abderrahmane HADJI\" \/>\n\t<meta name=\"twitter:label2\" content=\"\u0648\u0642\u062a \u0627\u0644\u0642\u0631\u0627\u0621\u0629 \u0627\u0644\u0645\u064f\u0642\u062f\u0651\u0631\" \/>\n\t<meta name=\"twitter:data2\" content=\"\u062f\u0642\u064a\u0642\u0629 \u0648\u0627\u062d\u062f\u0629\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/gam.dz\/le-capital-assure\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/gam.dz\/le-capital-assure\/\"},\"author\":{\"name\":\"Abderrahmane HADJI\",\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#\/schema\/person\/b2853d26e1f71276826e0bc29b39a834\"},\"headline\":\"Le capital assur\u00e9\",\"datePublished\":\"2026-10-16T13:41:54+00:00\",\"dateModified\":\"2026-10-16T14:06:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/gam.dz\/le-capital-assure\/\"},\"wordCount\":190,\"publisher\":{\"@id\":\"https:\/\/bloom-communication.dz\/GAM\/#organization\"},\"image\":{\"@id\":\"https:\/\/gam.dz\/le-capital-assure\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/gam.dz\/wp-content\/uploads\/03-capital-assure.png\",\"articleSection\":[\"Conseils\",\"Les BA-BA du contrat d\u2019assurance\"],\"inLanguage\":\"ar\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/gam.dz\/le-capital-assure\/\",\"url\":\"https:\/\/gam.dz\/le-capital-assure\/\",\"name\":\"Le capital assur\u00e9 - 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