For the protection of all
CNP Assurances’s business as a personal insurer places it at the centre of people's lives and the realities of society.The Group focuses on designing cover that is both useful and affordable.
Encouraging access to insurance
A range adapted to the requirements of people on low incomes in France. In cooperation with the distributor partners, CNP Assurances offers products whose minimum subscription amounts are deliberately low in spite of the fixed management costs. The €30 segment represented 19% of life insurance subscriptions in 2016 and 45% of regular payments.
ATD Quart Monde and CNP Assurances launched a funeral policy for people living under the poverty line in 2016.
Developing products and services with a societal benefit
The CNP Assurances group is continually developing its range in order to adapt to the latest developments within the company. This has resulted in an expansion of the existing ranges and the development of targeted prevention services.
Innovative guarantees are proposed in order to overcome problems of dependency, unemployment and ageing. In France for example, in addition to the prevention advice provided by Filassistance International and Lyfe, reduced-rate unemployment guarantees or guarantees offered alongside advice on resuming employment are available.
Caixa Seguradora has launched a 100% digital company “ Youse”. Established with the first InsurTech in Brazil based on a cooperative entrepreneurial model, Youse proposes motor vehicle and life insurance products exclusively in a digital format with over 1,000 possible combinations tailored to suit the customer.
Due to the fact that an increase in tariff or restrictions on guarantees may prevent future projects, especially property related ones, CNP Assurances is strongly committed to facilitating the AERAS agreement and is dedicated to its implementation. For 6 years, our refusal rate of credit insurance policies has stayed below 0.2%. CNP Assurances is also involved in the revision of the AERAS agreement concerning the right to be forgotten. As such, when taking out a credit insurance policy, former cancer patients will be insured according to the general conditions of the contract, without an increase in tariff or exclusion, if, in the case of cancers diagnosed up to 18 years previously, the final date of their treatment programme dates back further than five years, and, if no relapse has occurred, more than 10 years previously for other cancers.
At the same time, CNP Assurances has begun updating clientèle related documents so that those concerned are no longer obliged to declare their previous medical history. Furthermore, with the support of all its insurance partners, CNP Assurances worked on a reference grid that will bring the rates paid by customers who have suffered from certain diseases, including cancer, closer in line with the normal tariff.