Question n°4
Marie-Béatrice Levaux
Chairwoman of the Federation of Individual Employers in France, and adviser to the Economic, Social and Environmental Council
Paris, France
Life expectancy is increasing, but how can one live well and for a long time?
Answer
While the continuous lengthening of life expectancy constitutes progress in itself, it does give rise to a dual health challenge: the challenge of occupational health to guarantee that older employees can remain in employment, and the challenge of health during the retirement years, including the issue of loss of autonomy. As a leader in personal protection, CNP Assurances has the means to respond to this individual and collective challenge, combining its twenty years’ experience in insurance services with its digital transformation. Its proactive approach promotes preventive behaviours and illustrates its new concept of insurance, which focuses on helping people live well and preserve their health.
20 years of experience in insurance services and support
36 million insured under personal risk and protection policies
Marie Bazetoux
CEO of Filassistance International and Garantie Assistance
Our Fil@ttentive home help offer innovates by combining the human and the digital. It provides a complete and integrated solution to facilitate the life of family helpers: reassuring them in the event of an incident, but also supporting them in the day-to-day management of their dependant. In addition to the traditional system of remote assistance (panic button and telephone platform), Fil@ttentive provides an application to put helpers in touch with each other, enabling the organisation of a digital community of helpers. The addition of connected objects depending on need (fall detection equipment, pill dispensers, smoke detectors, digital photo frames, etc.) completes the measures.
Welcome to assistance 3.0
Home help, advice on prevention of health problems and return to work support, the services developed by Filassistance International, a subsidiary of CNP Assurances and Swiss Life, reinvent personal risk and protection cover. They provide tangible added value to the insured as of the subscription of their contract and bring them closer to their insurer. With its platform active 24 hours a day and its network of 10,000 professional helpers, Filassistance goes further in combining human with digital, in order to create a community around the individual. A box installed in the dependant’s home acts as an information exchange platform for all family members and professionals involved, and allows the connection of connected objects. The multiplying effect of social networks can also be of benefit for the listening process, and for providing advice and expertise. The digital community of helpers strengthens the human ties around the patient, and when a travelling grandson posts pictures that appear directly in the digital picture frame, conviviality takes a huge leap forward. This integrated, adjustable and upgradable solution is especially suitable for the elderly and frail people, or for people with a temporary or permanent disability.
It prefigures the evolution of on-the-spot assistance, thanks to digital systems.
8.7 million people use Filassistance services
150,000 beneficiaries have access to Lyfe and its will-being and health services
CNP Assurances is committed to health
In order to make a difference in a personal risk insurance market that is increasingly regulated and increasingly competitive, CNP Assurances has decided to renew its positioning. The idea is to supplement the approach of providing assistance at the time of unexpected events with an approach providing services at any time of a customer’s life.
This is the role of the Lyfe digital platform created by CNP Assurances.
Implemented in test and learn mode, Lyfe was first made available to one company and one mutual only, representing 11,000 users, in a preliminary version limited to three services. For its official launch at the end of 2015, it offered five services with high added value: 24-hours a day online health advice, personalised remote coaching based on 500 criteria, arranging scanner and similar appointments at very short notice, preparation of detailed personalised medical reports within half a day, or diagnosis of the home support services for a relative losing their independence. With new services being added to the platform every three months, CNP Assurances is aiming to provide 15 services between now and 2017. True to its values, the Group intends to contribute to the fight against health inequalities and against medical nomadism, so costly for the community, by facilitating access to sound information and e-health tools. CNP Assurances offers its Lyfe platform to its distributor partners, led by mutuals, and to businesses and local authorities, with the possibility of selecting the services of interest to them and of tailoring the content to suit their image.
The ambition of CNP Assurances, which intends to play a central role in the new health situation in France, is to encourage as many people as possible to adopt the Lyfe approach, or even to develop a range of services independent from any insurance contract, so that everyone can preserve their own health capital.