Question #2
New types of job, new sources of vulnerability – How can we redesign protection for all?
Frédéric Lavenir
People’s lives are changing radically. Their employment status is changing all the time – they may go from being unemployed or freelance one day, to being an employee the next, or even both at the same time. These non-linear careers mean that the old forms of social protection based on having the same status for a lifetime are no longer appropriate. What we need to do is focus on individuals in their social and economic context at a given time and offer them a flexible range of protection solutions that can adapt to every specific situation.
Protection needs to be far more individualised, more flexible and more person-specific.
Alizée Lozac’hmeur
Being an insurer ultimately boils down to supporting each individual’s resilience so that, come what may, they can work out a solution, benefit from a form of solidarity, a community and peace of mind.
That’s where social innovation and social entrepreneurs have a major role to play. They devote a great deal of time and attention to prevention and building communities around people.
Jean-Charles Samuelian
There are two very interesting routes open to us. Firstly, we can overhaul organisations to make them more effective and nimble and to provide ideal work conditions for employees so that they, in turn, deliver a better product to users. Secondly, ways of working are clearly changing, with unsalaried work, freelancers, consultants, delivery riders, among others, gaining prominence. How can we tie all of this together and focus back on the end user to provide them with first-class access to social protection? Technology, product in the actuarial and, crucially, the user experience sense of the word – an issue that is not given sufficient attention in France – all come into the equation.