Question n°2
Valérie Mabilat
Head of the company Espace Paysage
Bourges, France
Can the employees of an SME dream of the protection provided to those of large companies?
Answer
The general availability of additional health cover for all companies provided by the national inter-professional agreement on 1 January 2016 has turned the focus of insurance onto SMEs and on self-employed persons and has unleashed fierce competition in terms of services available and prices. Nearly 2.5 million employees are affected. Along with its partners, CNP Assurances has decided to maintain the quality both of the wide range of modular services that it offers, and of its personalised method of distribution, which is advice driven. The result is additional insurance that complies with the responsible health contract defined by the State, enriched with options and services that are as diverse as those available to large companies. Additional optional cover even allows nearly 100% of expenses to be paid for. This will increase the feeling of security of the insured and their trust in CNP Assurances.
60%
In 2015, companies took out compulsory cover that exceeded the basket of minimum protection (BPCE Group partnership)
Nearly 100% of healthcare expenses are covered by the optional uplifts
Dominique Hilaire
Director of individual and professional markets
Business leaders are professionals in their business sector, but they are not experts in insurance!
An Amétis adviser can provide them with clarity with regard to health, personal risk and protection, savings, pensions and dependence for them and their loved ones, and for all their employees.
This global and personalised approach to personal protection, including an individual and collective view, gives us a central role in dealing with the challenges facing the manager of an SME : to protect their loved ones and those who make their business a success.
250 Amétis advisers, tailoring protection for SMEs
Choosing the best offer
In order to protect something that is priceless, such as the quality of life, CNP Assurances has opted for quality protection. Simple, exhaustive and fully modular, the additional health cover can be adapted to the realities of each business – workforce, age of the employees, specific occupational risks – and to the protection level that the employer wishes to offer its employees. A range of options and services make it possible to personalise the protection, according to the particular profile of each employee, with an equivalent or even higher level of cover to that available in larger companies.
One of the strengths of the CNP Assurances offer is that it is embodied by the 250_advisers of the Amétis network, who have vast experience of personalised advice, and are trained in the technical aspects of additional health cover. They take the time to understand the manager’s challenges and requirements, both for himself and his employees, and to customise a high-performance additional health cover in the context of a global view of the protection provided. Quality demands that CNP Assurances assists managers with the specific implementation of the chosen formula.
60,000
businesses of more than 20 employees to support
A fluid and transparent customer process
The partnership with the BPCE Group that was renewed on 1 January 2016 has a strategic health and collective personal risk and protection component. It makes CNP Assurances responsible for covering the needs of many companies with more than 20 employees that are customers of the BPCE bank networks (Banques Populaires and Caisses d’Epargne). Having regard to the fierce competition. Having regard to the fierce competition, it was a real challenge to implement the additional health cover offer in a personalised way for this qualified target, throughout France and in the shortest possible time. The multi-partnership and multi-channel formula of CNP Assurances played a significant part.
CNP Assurances has secured the expertise in distance selling and in management of the wholesale broker Alptis Assurances, an expert in welfare protection, to assist with the marketing of its additional health cover offer on behalf of the banks in the BPCE Group. By coordinating the various parties involved via their joint platform Capvita, it has increased the fluidity of the customer process in all channels, from identification of eligible SMEs to first contacts, from appointments with the Amétis adviser to the management of additional health cover for each employee.
Since autumn 2015, CNP Assurances has tested the mechanism with 1,000 customers of BPCE Group banks, and has refined its processes to guarantee the quality of the experience from start to finish, including indicators to measure commercial effectiveness.
In 2016, the implementation of additional health cover offers to the portfolio of professional customers of the Caisses d’Epargne and Banques Populaires will be speeded up.