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Get started on dating sites to meet rich men now

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A rich sugar mummy is a lady who can economically help by herself and the woman household without the need to work.she is usually a wealthy woman who’s got countless resources, including a higher income, a lavish life style, and a sizable estate.she might also have countless assets, like property, shares, and opportunities.finding a rich sugar mummy is difficult, however it is perhaps not impossible.there are a couple of things you can certainly do discover one.first, you’ll use the internet.you may use search-engines to look for key words such as for instance « rich sugar mummy, » « wealthy girl, » « luxurious lifestyle, » and « estate. « you also can utilize social media platforms to find profiles of rich sugar mummies.you may also attend occasions and meetups related to rich sugar mummies.if you are not capable of finding a rich sugar mummy on the web or through social media marketing, you are able to contact a specialist matchmaker.a expert matchmaker will allow you to find a rich sugar mummy who’s suitable for your lifestyle and interests.

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Finding your perfect match now is easier than you imagine, especially if you’re looking for a rich older woman seeking younger men. in reality, there are lots of eligible and attractive singles out there who would like to date somebody together with your wealth and status. plus, you will probably have a great deal in accordance with your singles, rendering it a much easier process than you might think. so if you’re willing to find your match, start with looking at the profiles of rich older women seeking younger men. you will be surprised on quantity of attractive and interesting singles who fit that description. and when you’ve found a potential date, don’t be afraid to place your relationship goals up for grabs. these women are seeking a serious relationship, so you shouldn’t be afraid become upfront in what you are considering. and finally, don’t be afraid to head out and socialize. these women are used to being surrounded by people who share their passions, therefore do not be shy about joining them for a night on the town or a trip on casino. in the end, finding your perfect match is a lot easier than you believe, and rich older women seeking younger men would be the perfect candidates for a successful relationship.

I’m a bisexual girl and that I don’t know how exactly to date non-queer males |

Internet dating non-queer men as a queer girl can seem to be like going onto a dancefloor lacking the knowledge of the routine.

In the same way there isn’t a social program for how rich women dating women (hence
the ineffective lesbian meme

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), there isn’t any direction for how multi-gender lured (bi+) women can date men such that honours the queerness.

That is not because bi+ females matchmaking the male is less queer than others who happen to ben’t/don’t, but because it can be much more hard to browse patriarchal gender roles and heteronormative union ideals within different-gender connections. Debora Hayes

,

a bi individual who provides as a female, tells me, « Gender roles have become bothersome in connections with cis hetero men. I believe pigeonholed and restricted as one. »

Due to this, some bi+ ladies have selected to earnestly omit non-queer (whoever is actually straight, cis, and

allosexual


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, additionally know as allocishet) guys from their dating share, and turned to bi4bi (merely dating different bi people) or bi4queer (just online dating different queer men and women) matchmaking types. Emily Metcalfe, which recognizes as bi and demisexual, finds that non-queer people are incapable of comprehend the woman queer activism, which will make internet dating hard. Today, she mainly decides up to now within the community. « I have found I’m less likely to experience stereotypes and generally get the folks i am enthusiastic about from the inside all of our community have actually a far better comprehension and rehearse of consent vocabulary, » she states.

Bisexual activist, author, and instructor Robyn Ochs implies that

bi feminism


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can offer a starting point for navigating relationships as a bi+ lady. It provides a framework for navigating biphobia through a feminist lens. Unlike

lesbian feminism


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, which argues that women should forgo connections with men completely being bypass the patriarchy and find liberation in adoring different ladies, bi feminism suggests holding men with the exact same — or higher — requirements as those we have in regards to our female lovers.

It puts forward the idea that ladies decenter the sex of the lover and centers on autonomy. « I made a personal dedication to keep women and men into exact same requirements in interactions. […] I decided that I would maybe not be satisfied with much less from males, while realizing so it implies that i might end up being categorically removing most men as possible associates. Very whether it is, » writes Ochs.

Bi feminism normally about keeping our selves on the same standards in interactions, no matter our lover’s sex. Naturally, the parts we play and the different facets of individuality that we give an union can change from individual to individual (you will dsicover performing even more organisation for times if this is something your partner battles with, for instance), but bi feminism promotes examining whether these facets of ourselves are affected by patriarchal beliefs in the place of our own wants and desires.

This is tough in practice, especially if your partner is actually significantly less passionate. It can entail a lot of false begins, weeding out warning flags, and a lot of importantly, needs one have a substantial feeling of home away from any commitment.

Hannah, a bisexual lady, who’s typically had relationships with guys, features skilled this problem in dating. « I’m a feminist and constantly express my personal views freely, i’ve definitely held it’s place in connection with some men who disliked that on Tinder, but i obtained pretty good at detecting those attitudes and throwing those men away, » she states. « I’m currently in a four-year monogamous union with a cishet man and he absolutely respects me and does not count on us to fulfil some traditional sex role. »


« I’m less inclined to suffer from stereotypes and generally get the folks i am interested in…have a significantly better comprehension and rehearse of consent vocabulary. »

Despite this, queer ladies who date males — but bi feamales in specific — in many cases are implicated of ‘going back again to males’ by dating all of them, regardless of our very own internet dating history. The reasoning here’s easy to follow — we have been increased in a (cis)heteronormative community that bombards united states with emails from delivery that heterosexuality is the just appropriate option, and that cis men’s pleasure could be the essence of all of the sexual and passionate relationships. Therefore, internet dating men after having outdated other genders is seen as defaulting towards standard. Besides, bisexuality remains seen a phase which we’re going to grow out-of when we ultimately

‘pick a side


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.’ (the thought of ‘going back once again to guys’ in addition assumes that all bi+ ladies are cis, ignoring the experiences of bi+ trans females.)

Many of us internalise this and might over-empathise our attraction to guys without realising it.

Compulsory heterosexuality


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also is important in our online dating existence — we could possibly accept guys so that you can please our people, easily fit in, or to silence that nagging interior experience that there is something amiss around for being interested in females. To combat this, bi feminism can part of a liberatory platform which tries to exhibit that same-gender relationships are simply as — or sometimes even more — healthy, enjoying, long-term and effective, as different-gender ones.

While bi feminism supporters for keeping allocishet men into the same criteria as females and individuals of different men and women, additionally, it is crucial the structure aids intersectionality, inclusivity, and equitability. Interactions with women aren’t will be intrinsically better than people that have men or non-binary men and women. Bi feminism can also indicate holding ourselves and our feminine associates towards the same standard as male associates. This is exactly specifically vital given the
rates of personal spouse violence and misuse within same-gender relationships

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. Bi feminism must hold all interactions and behavior on same expectations, regardless of the men and women within all of them.

Although things are enhancing, the idea that bi women can be an excessive amount of a journey risk for other women up to now still is a hurtful

label within women-loving-women (WLW) neighborhood


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. A lot of lesbians (and homosexual men) nonetheless believe the label that most bi everyone is more attracted to males. A research posted when you look at the record

Psychology of Sexual Orientation and Gender Variety

known as this the
androcentric need hypothesis

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and suggests it might be the reason behind some biphobic sentiments.

Bi+ ladies are regarded as « returning » on social benefits that relationships with males provide thereby tend to be shackled by heteronormativity and patriarchy — but this idea doesn’t just last in actuality. First of all, bi ladies face

higher costs of romantic companion assault

than both gay and right ladies, with your prices growing for females who’re over to their particular companion. Besides, bi women in addition experience
much more mental health issues than homosexual and direct women

(Opens in a new case)

as a result of dual discrimination and separation from both hetero and homosexual communities.

Additionally, it is definately not correct that guys are the starting place for all queer women. Even before all the progress we have now produced in regards to queer liberation, that has enabled people to comprehend by themselves and come out at a younger get older, there’s always already been ladies who’ve never outdated males. All things considered, since tricky as it’s, the expression ‘

Gold Star Lesbian


(Opens in a new loss)

‘ has existed for a long time. How can you go back to someplace you’ve not ever been?

These biphobic stereotypes further effect bi women’s dating choices. Sam Locke, a bi woman claims that internalised biphobia around perhaps not feeling

« queer adequate

 » or fear of fetishisation from cishet men has placed the woman off matchmaking them. « I also aware bi women are seriously fetishized, and it is usually an issue that at some time, a cishet guy I’m a part of might make an effort to leverage my bisexuality for private desires or dreams, » she explains.

While bi people want to contend with erasure and fetishisation, the identification it self however opens even more chances to experience different varieties of closeness and love. Poet Juno Jordan expressed bisexuality as freedom, an evaluation that I wholeheartedly endorsed in my publication,

Bi ways

(Opens in a fresh case)


. But while bisexuality can provide you the liberty to enjoy individuals of any gender, our company is nonetheless combating for freedom from patriarchy, homophobia, and monosexism that restricts all of our online dating choices used.

Until the period, bi+ feminism is just one of the ways we could browse matchmaking such that honours the queerness.

Get willing to find your perfect cougar match now

Get willing to find your perfect cougar match now

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10 (realmente de uso ) básico fecha consejos : información de especialistas

Primera fechas. Pueden ser estresantes, emocionantes y, siempre y cuando obtengan de verdad, pueden ser el comienzo de cualquier cosa genuinamente fantástico. Exactamente qué, solo es-es que produce una noche de fiesta juntos « ¿ir de verdad? » hay muchos información disponible para elegir, así que nosotros pensamos había llegado el momento reunir algunos especialistas ideas juntos para producir una inicial día grasp guía de consejos.

10 a menudo esperado básico salir preguntas:

1. Cuándo puedo preguntarle a algún cuerpo en la web ?

siempre que conozcas alguien en línea puede ser simple a quedar atrapado en una ráfaga de correos electrónicos y desarrollar fuerte pensamientos esta es la razón. Sin embargo, antes de usted obtener también barrido lejos, es fundamental para probar esa chispa fuera de línea. De hecho, un informe dentro colegio de Florida desenterró que no debe esperar más de 17 a 23 horarios antes de prueba la chispa en vida real; personas que se estancan pueden encontrarse producir una imagen idealizada de estas salir en su mentes que hecho ​​puede luchar para permanecer hacia arriba hasta 1

Elegir consejo sobre crear un eficaz en línea hola? Leer nuestros propios básico información publicación aquí

2. ¿Te imaginas Tengo estresado antes de mi personal muy primero día?

Si estás luchando inicial salir barriga mariposas luego felicitaciones – eres totalmente normal. De hecho, si es cualquier conveniencia, tuyo día podría estar ansioso también! La aprensión puede golpear en la mayoría experimentados saliendo, pero afortunadamente, es posible vencerlo. En una charla de TED, la psicóloga social Amy Cuddy aconseja esperando alto y disponible en veces durante la tensión, por lo tanto, ‘posturas de poder’ puede aumentar grados de testosterona y cortisol, mejorando confianza y calmando nervios .2

3. ¿Tiene algún consejo de sitios de citas en línea seguridad?

Otra método de facilitar anterior nerviosismo es para seguir seguridad básica precauciones. Salir con mentor Ronnie Ann Ryan recomienda con el que sólo sale en un público en general lugar, que tienes tu propio personal transporte ordenado de antemano, y que usted informe un confiable amigo cuál es su la ubicación es yendo y cuál con (llamando ellos durante el salir para asegurar que las cosas son genial). 3 Lo más importante, confía en tu intestino instinto cts: cuando alguien es te lleva a sentir inquieto posteriormente conservar. No se preocupe por permanecer apagado cortesía .

Buscando aún más sitios de citas en línea protección pautas? Buscar el guía para permanecer seguro aquí mismo

4. Exactamente qué debo usar para una primera fecha?

siempre que planificación una primaria salir vestido, puede ser tentador configurar tuyo fásers a « aturdir » y dejar eso en eso. Pero comodidad es generalmente en el de la misma manera vital que estilo. Lo más probable, en En caso de que lo esté apuntando a cómodo y seguro de sí mismo, no quieres poner algo que serás tirando después de todo noche ! Julia Friedman de Bustle recomienda que menos es más: seleccionar un favorito característica y poner algo que muestra simplemente eso y ten en cuenta que tu atuendo debe calzar el sitio! 4

Requerir más ideas para primero día prendas? Descubre qué deberías usar una primera gran cita aquí mismo

Simplemente? ¡No! Aunque es ciertamente correcto que primera vez salir con alguien puede ser el comienzo de algo maravilloso, adicionalmente, es vale la pena recordar tu unión sigue siendo en el temprano horas – independientemente de cómo mucho has hablado a través de Internet. Sin duda, muchas personas preferirían empezar con informal básico reunión, construido para prueba tu chispa mutua. Si es así, es completamente genial para reunirse en general por un fácil café (el más preferido muy primero fecha por 83 % de su miembros5).

Deseo mucho más comprensión de sus estudios científicos sobre muy primero gran cita comportamiento? Más información todos aquí

Cuando lo haga desear reunirse para tomar un café, usted tiene un preferido local (como alternativa, decidir probar las sugerencias dentro de nuestro salir cursos for brand new York, San Francisco o San Diego). Pero si tiene actualmente comprobado uno al otro fuera fuera de línea – o usted deseo marcar el primero fecha amor – luego apuntar para un añejo y sugerir un fantástico cena. Puede parecer ‘seguro’ pero a menudo seguro es el perfecto forma de obtener comprender alguien, particularmente sobre el gente ‘preferido encantador comida: italiano.6

7. Exactamente qué deberíamos hablar?

8. Quién debería desembolsar en una primera?

Esta La pregunta para ti es desafiante. Una Universidad investigación de Chapman de 17,000 hombres y mujeres enfatizó esto cuando expertos aprendí que 64 por ciento de hombres deseo mujeres pagar con más frecuencia – pero ese 76 % de hombres piensan responsables tomar damas dinero. Mientras tanto, más de 1/2 de mujeres constantemente oferta pagar, pero 39 por ciento experiencia molesto si eso proporcionar obtiene reconocido .8 Básicamente, en relación con quién debería comprar una inicial fecha , no hay correcto respuesta, por lo tanto haría lo que hace cómodo – simplemente hazlo no suministro para dividir el saldo a menos que usted realmente complacido de hacer esto!

9. Quién debería requerir otro gran fecha ?

DIVERTIRSE. En realidad es así de simple. Por último, todos muy primero día consejos en la tierra están hechas por esto objetivo en el corazón. Ellos son aquí eso lo ayudará tener un momento seguro, complacido (y idealmente encantador) con algún cuerpo maravilloso. El salir podría o puede que no no desencadenar más – por lo tanto saber qué? Lo cual es ok, como una inicial hora que va a ninguna parte sigue siendo un verdadero útil comprender experiencia, uno que puede motivarte expresar sí el salir que puede cambiará tu vida amorosa.

Preparado ver en qué una primaria día {podría tomar|podría ¿tomarte? Únase a EliteSingles aquí mismo!

EliteSingles artículo marzo de 2016, actualizado octubre 2017.

Fuentes:

1 Claire Cohen, escribiendo cuando se trata de Telegraph â € ˜Online citas online punto de inflexión: siempre que si tú satisfacer personalmente? ‘ descubierto en http://www.telegraph.co.uk/women/sex/online-dating/11302495/Online-dating-websites-When-should-you-meet-in -person.html

2 Amy Cuddy, TED charla, junio 2012. « Tu lenguaje corporal formas quién eres realmente » € ˜ [Archivo de video]. Comprado en https://www.ted.com/talks/amy_cuddy_your_body_language_shapes_who_you_are?language=en

3 Ronnie Ann Ryan, componiendo para YourTango, 2013. â € ˜9 Esencial sugerencias para primera vez Fecha seguridad. ‘ descubierto en http://www.yourtango.com/experts/coach-ronnie-ann-ryan/9-tips-first-date-safety

4 Julia Friedman, componiendo para Bustle, 2014. ’11 diseño errores para evitar en una inicial Fecha principal ‘. Disponible en http://www.bustle.com/articles/30905-11-style-mistakes-to-avoid-on-a-first-date

5 EliteSingles ‘Coffee Date’ Encuesta, 2016

6 EliteSingles â € ˜Date tarde comida ‘revisión, 2014

7 EliteSingles « Amor y política » estudio, 2014

8 Dr. David Frederick, creando para el blog en Chapman college. « ¿Sólo quién cubre fechas? ‘ Encontrado en https://blogs.chapman.edu/scst/2014/02/13/who-pays-for-dates/

9 Jen Kim, creando para terapia hoy en día. â € ˜La dulce mujer guía de autoayuda para Invitar a hombres . descubierto en https://www.psychologytoday.com/blog/valley-girl-brain/201112/the-nice-girls-guide-asking-guy-out

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Unleash your crazy side with adult chat sex today

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General subject:

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Find your perfect match for married women hookups

Find your perfect match for married women hookups

Looking for a little excitement in your lifetime? married women hookups may be exactly what you will need! these relationships could be extremely fulfilling and supply lots of excitement. however, before you jump into a married girl hookup, it is critical to be aware of the risks included. one of the primary risks of married girl hookups gets emotionally attached to somebody you’re not married to. if you’re maybe not careful, you could find your self in times in which you can’t break far from the other person. this is often a difficult situation to manage, and may lead to many heartache. another threat of married girl hookups gets sexually involved in an individual who just isn’t your better half. this is high-risk as you might not be in a position to have a baby if you have sex with an individual who is not your husband. additionally, perhaps you are exposing you to ultimately stds, and this can be really harmful. if you should be shopping for somewhat excitement that you experienced, married woman hookups will be the right selection for you. however, know about the risks involved, and be sure to simply take them into account before you decide to make any choices.

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Connect with married females searching for a no-strings-attached encounter

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Start your married woman hookup adventure now

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When it comes to dating, there are a great number of different choices open to singles. whether you are looking for a significant relationship or just some casual fun, there’s lots of possible matches nowadays. but what about when you are already in a relationship? if you’re looking to take what to the following degree along with your partner, you should start thinking about dating beyond your relationship. this is referred to as « married woman hookup », and it can be a powerful way to get the maximum benefit from the relationship. there is a large number of advantageous assets to dating beyond your relationship, and here are five of the finest:

1. you will be more available with your partner

one of the biggest great things about married woman hookup is the fact that it may provide you with more available with your partner. if you are currently comfortable being open with each other, dating outside your relationship can just add to that. 2. you will get to know one another better

dating beyond your relationship will help you can understand both better. the reason being you’ll be able to explore your relationship in a brand new means. 3. you’ll find brand new hobbies and interests

if you are not enthusiastic about the same things as your spouse, dating outside your relationship will allow you to find new hobbies. this might open countless possibilities for you personally along with your partner. 4. you will get to understand both’s friends

if you’re finding a fresh partner, opt for your partner’s friends. this is because you can actually become familiar with them better. 5. this is because you can actually observe well your relationship works and what you have commonly. if youare looking for a method to simply take your relationship to the next level, dating outside your relationship may be the way to go.

Meet married ladies looking for discreet relationships

Looking for a discreet relationship? browse the married woman hookup! these women are looking someone to share their life with, and they’re not in search of a one-night stand. they truly are selecting somebody who is seriously interested in a relationship, and they are willing to invest your time and effort making it work. if you are searching for a significant relationship, the married woman hookup is the strategy to use. these women are seeking someone who is focused on them, and who is prepared to make things work. they’re perhaps not shopping for somebody who is shopping for a fast hookup.

Tips & tricks to savor your married woman hookup adventure

Thereis no question that married woman hookups can be a lot of enjoyment. in the end, that wouldnot need to explore their sexual boundaries with some one they trust and worry about? however, just before jump into a hookup with your wife, there are some things you should know to make sure a safe and enjoyable experience. 1. always’re both on the same page

before you even think about leaping into a hookup together with your wife, it is necessary which you both agree to it. if among you is hesitant or seems uncomfortable, everything is going to be ruined. 2. communicate openly and truthfully

one of the greatest mistakes couples make with regards to married woman hookups just isn’t communicating correctly. if one of you is feeling insecure or perhaps is not sure towards situation, it is necessary which you explore it. in this way, you’ll determine any possible dilemmas and visited an answer. 3. avoid being afraid to experiment

while it’s important to be available and truthful with each other, it is in addition crucial to be open to attempting brand new things. if you are hesitant to experiment, that’s okay. just be sure you’re ready to accept trying brand new things that are both safe and enjoyable for the two of you. 4. don’t be afraid to ask for assistance

if you’re having difficulty getting started, don’t hesitate to ask your spouse for assistance. she probably knows more about intercourse than you do, and she will be much more than very happy to assist you. 5. be respectful

one of the most considerations you certainly can do in terms of married woman hookups is usually to be respectful of the spouse. what this means is not dealing with the lady like a sex object or trying to pressure her into such a thing she actually is not comfortable with. overall, these pointers should help you have an enjoyable experience along with your spouse while checking out your intimate boundaries. in the event that you follow them, you are sure to have a fun and safe experience.

Mentions légales

(Document non contractuel)

APS-BENIN est une Association d’assurés loi 1901 au Bénin. Déclaration n° 2017/2166/DEP-LIT/SG/SAG-ASSOC du 27/11/2017. Les statuts de l’Association ainsi que le règlement intérieur sont consultables sur le Site www.aps-benin.com.

APS-BENIN a mandaté, pour l’étude, le placement, la gestion du contrat SƆHU, la Sarl de courtage d’assurances Africa BSI à Cotonou, désignée comme « le Mandataire », agrément n° 3038-c/MEF/DC/SGM/DGSF/DA/SIFR/198 SGG22 du 14/11/2022, RCCM n° RB/COT/22 B 33303, IFU n°3202268793857, Responsabilité civile professionnelle et garantie financières conformes aux articles 524 et 537 du Code des assurances CIMA.

SƆHU est un Contrat d’assurance santé collectif à adhésion facultative et à durée ferme de 12 mois, régi par le code CIMA (visa n° 2576-c/MEF/DC/SGM/DGAE/DA/SRA/CDR/345 SGG19), souscrit par APS-BENIN pour le compte de ses Adhérents (convention d'assurance santé SƆHU entre « la Compagnie d’Assurances » et APS-BENIN via son Mandataire). Au 1er avril 2019, l'Assureur du contrat SƆHU est Atlantique Assurances Bénin, société régie par le code CIMA. Pour plus d’informations sur Atlantique Assurances Bénin, visiter : www.atlantiqueassurancesbenin.net.

Tout Intermédiaire agréé par Atlantique Assurances Bénin (commercial, agent, courtier, bureau direct…) est habilité (sauf cas particuliers) par Atlantique Assurances Bénin à commercialiser SƆHU.

Les informations relatives à l’assurance SƆHU sur « le Site » aps-benin.com et dans les documents SƆHU sont diffusées sous la responsabilité exclusive du Mandataire en assurances, propriétaire de la marque déposée "SƆHU", des développements techniques sur le site et des droits liés à l'exploitation. L’association APS-BENIN ne saurait en aucun cas être tenue responsable des erreurs ou omissions, qui sont du seul ressort du Mandataire, professionnel habilité par elle.

Procédure d'adhésion

(Document non contractuel)

Généralités
Le code CIMA réglemente les opérations d’assurances au Bénin et s’impose aux parties. Les présentes conditions de vente précisent les relations contractuelles entre les parties, ci-dessous identifiées Vous et Nous, leurs droits et obligations dans le cadre de la vente de SƆHU, contrat d'assurance santé à durée ferme, notamment depuis le Site www.aps-benin.com ou via l’un des liens internet communiqué par le Mandataire à un Intermédiaire agréé par Atlantique Assurances Bénin ou via un formulaire d’adhésion SƆHU.

Vous, personne physique candidate à l’assurance ou personne morale pour le compte de vos employés, adhérant librement à la convention négociée et souscrite par APS-Bénin ("le Souscripteur") pour le compte de ses Adhérents, dont les coordonnées sont celles déposées sur les formulaires du Site ou les documents d’adhésion. L'adhérent signe la demande d'adhésion et est redevable de la cotisation d'assurance et des droits d'adhésion à l'APS. Il peut être différent du Bénéficiaire qui est l’assuré bénéficiaire des garanties. Pour souscrire au contrat SƆHU, l'Adhérent doit être membre de l'APS-BENIN moyennant une cotisation annuelle indiquée sur les documents d'adhésion et accepter sans contestation aucune les statuts et le règlement intérieur de l’Association, téléchargeables sur le Site ou disponibles sur simple demande à l'APS-Bénin. Il reconnaît également avoir pris connaissance des conditions générales de la police (téléchargeables sur le Site ou sur simple demande auprès de l'Assureur). Il est important que Vous comme les Bénéficiaires aient bien compris le fonctionnement du contrat, les délais de carence, les exclusions etc avant de vous engager. L'Assuré principal  reste seul responsable de ses déclarations à l'Assureur (questionnaire médical) pour lui-même comme pour ses Bénéficiaires.

Nous, Africa BSI, courtier en assurances à Cotonou régulièrement enregistré,  Mandataire de l’association APS-BENIN, chargé de la souscription de l'assurance SƆHU pour le compte de ses adhérents avec délégation d' Atlantique Assurances Bénin, l'Assureur.

Procédure de souscription médicale
Nous proposons une procédure de vente et de souscription visant à une sélection des risques pour assurer l’équilibre de la convention négociée par l'APS pour ses Adhérents. Toutes les adhésions sont conditionnées par une « souscription médicale » des Bénéficiaires : questionnaire médical + visa médecin conseil de l’APS-BENIN. Il est communiqué sur le Site et les documents commerciaux une grille tarifaire pour les cas « standards ». Les dossiers considérés « non standards » et ceux des candidats à l’assurance âgés de plus de cinquante ans sont soumis à l’appréciation des médecins conseil de APS-BENIN et de l'Assureur. Le médecin conseil de l'Assureur est seul habilité à trancher en dernier ressort. Ses décisions sont souveraines et ne peuvent être contestées par un candidat à l’assurance ni par l'APS-Bénin. 

La déclaration de l'Adhérent et des Bénéficiaires
Conformément au Code CIMA, l'Adhérent et le Bénéficiaire déclarent que l'ensemble des informations qu'il fournit à l'Assureur est exact. Ces informations servent de base aux Conditions Particulières. En cas de changement de sa situation telle que déclarée au jour de la signature du Contrat, l'Adhérent s'engage à mettre à jour les informations le concernant, via courrier adressé à l'Assureur ou son représentant contre accusé de réception.

La fausse déclaration intentionnelle est sanctionnée par la nullité du contrat. Les primes payées demeurent acquises à l’Assureur (Article 18 du code CIMA).

La procédure de souscription du Contrat
Après avoir consulté librement la description des garanties et les Conditions Générales du Contrat, le candidat à l’assurance peut effectuer sur le Site des simulations tarifaires, demander un devis ou compléter en ligne le formulaire de demande d’adhésion à l'APS et au contrat SƆHU. Il renseigne alors les informations concernant son identité, indique ses choix de garanties, les Bénéficiaires des garanties et répond à toutes les questions. Chaque Bénéficiaire majeur complète un questionnaire médical. Pour les mineurs, c’est le représentant légal qui est responsable des déclarations. L'Adhérent et les Bénéficiaires acceptent les dispositions contractuelles (Conditions générales et documents contractuels) en cochant la case réservée à cet effet. Les formulaires peuvent être également téléchargés ou sont à disposition auprès des Intermédiaires agréés par Atlantique Assurances Bénin.

Conformément au code CIMA, la demande d’adhésion n’engage ni le candidat à l'assurance, ni l’Assureur. A réception de la demande d’adhésion en ligne ou physique, le Mandataire procède à l’analyse du dossier médical, avec visa du médecin conseil de l’APS-BENIN en charge de la pré-souscription. 

Si le profil médical le justifie (pathologie préexistante ou chronique, candidats à l’assurance âgés de plus de cinquante ans…), la souscription peut être  conditionnée par une visite médicale du Bénéficiaire auprès du médecin conseil de l’APS-BENIN. Si le Bénéficiaire réalise l’examen, la consultation est payable directement par lui au cabinet médical (10 000 F CFA). En cas de souscription à SƆHU par un Bénéficiaire ayant eu à supporter le coût d’une visite médicale, APS-BENIN rembourse, sous un mois, 50% du coût de la consultation (soit 5 000 F CFA), par chèque ou Mobile Money, au Bénéficiaire.

Le médecin conseil de l’APS-BENIN communique un avis confidentiel au médecin conseil de Atlantique Assurances Bénin, seul décideur de la décision de souscription et de la tarification pour ces cas-là.  APS le Souscripteur du contrat n'a en aucun cas à justifier aux adhérents des décisions de l'Assureur qui sont souveraines.

Une fois la décision de l'Assureur communiquée au Mandataire, celui-ci envoie au candidat à l'assurance un mail, ainsi qu'à l'Intermédiaire en charge, avec un appel de cotisation et l’ensemble des documents précontractuels ainsi que sa facture d'adhésion à l'APS si elle est due.

Si le candidat à l'assurance accepte les conditions proposées par la Compagnie d’Assurances, il peut procéder au paiement intégral de la prime et (si elle est due) au paiement de son adhésion à l'APS par chèque libellé à Atlantique Assurances, en espèces ou par virement sur les comptes de Atlantique Assurances. Une fois les fonds reçus par l'assureur (dans un délai maximum de 90 jours après la demande d'adhésion), le Contrat est conclu et les garanties activées. L’adhésion est matérialisée par un certificat d’assurance électronique envoyé sous 24h à l'Adhérent par mail puis une notification d’expédition des documents contractuels, de sa carte personnalisée lui donnant accès au réseau tiers-payant de l'Assureur et de son adhésion à l'APS (le "Welcome pack SƆHU"), via l'intermédiaire en charge.

Les documents sont par ailleurs accessibles à l'Adhérent dans son « espace assuré » sur le Site. APS-BENIN enverra par mail à l'Adhérent ses identifiants pour se connecter.

Le délai de livraison du "Welcome pack SƆHU" est de un mois maximum à compter de la date de réception des fonds par la Compagnie d’Assurances. En attendant la réception de son "Welcome pack SƆHU", le bénéficiaire est cependant couvert suivant les termes du contrat et son certificat électronique d'assurance pourra être présenté dans le réseau tiers-payant de l'Assureur. 

Conditions de rétractation
Le client dispose d’un délai de 7 jours à compter de la date de son paiement pour exercer son droit de rétractation par courrier recommandé à Atlantique Assurances Bénin ou à l’intermédiaire en charge. La prime lui sera alors remboursée à 90% par la Compagnie d’Assurances dans la mesure où le contrat n'a pas été utilisé. Les droits d’adhésion à l’Association sont acquis à l’Association dont il reste membre tant qu'il réglera ses cotisations annuelles. 

Perte de la carte d’assuré 
En cas de perte de la carte d’assuré, il sera demandé par l'Assureur à l’Adhérent un forfait de 5 000 F CFA pour sa réédition. 

Réclamations
Les réclamations sont reçues avec bienveillance attentive. En cas de litige, le client peut s'adresser au Président de l'APS-Bénin, souscripteur du contrat collectif, de préférence par mail à : contact@aps-benin.com pour obtenir, si possible, une solution amiable. Il peut aussi contacter Atlantique Assurances Bénin à l’adresse indiquée sur le site de Atlantique Assurances Bénin. 

Protection des données personnelles
Les informations recueillies sur le Site font l’objet d’un traitement destiné à la souscription et à la consultation des contrats d’assurance et l’exécution de l’ensemble des services qui y sont rattachés. APS-BENIN, son Mandataire, Atlantique Assurances Bénin et ses Intermédiaires agréés s’engagent à ne diffuser aucune information relative aux membres à des tiers autre que la Compagnie d’Assurances. Les fichiers des adhérents de l’association ne pourront être utilisés par APS-BENIN, son Mandataire, Atlantique Assurances Bénin ou ses Intermédiaires agréés à des fins publicitaires ou sortant du champ des activités de l’Association. 

Sécurisation
Le site www.aps-benin.com fait l’objet d’un des systèmes de sécurisation les plus performants à l’heure actuelle. Il a non seulement adopté le procédé de cryptage SSL (Secure Socket Layer) mais également renforcé l’ensemble des procédés de brouillage et de cryptage afin de protéger le plus efficacement possible toutes les données sensibles liées aux moyens de paiement. Le Site n’a jamais accès aux informations confidentielles relatives aux moyens de paiement. En application de la loi 2009-09 du 22 mai 2009 portant sur la protection des données personnelles, notre site fait l’objet de déclaration à l'APDP ex CNIL (autorisation de collecte de données personnelles n° 024-2018/APDP/Pt/SG/DAJC/SA du 30/11/2018 et autorisation de traitement des données de santé n° 2019-005/AT/APDP du 21/06/2019) et vous pouvez exercer vos droits d’accès, d’opposition, de rectification et de suppression en envoyant un mail à contact@aps-benin.com.