Paris, 07 November 2016

ATD Quart Monde and CNP Assurances are launching a funeral policy for people living under the poverty line. The policy was created with the help of people living in poverty, so that it could take into account their true needs and accurately determine the basket of goods necessary and sufficient for dignified funeral services.

 

A controlled budget

The challenge was setting a monthly premium that people living in poverty could afford. Unlike traditional policies, monthly payments are not based on the age of the subscriber, but instead on the age range of the person when subscribing. People can subscribe until the age of 80 and the guarantee is valid until the end of the year the subscriber turns 90. Beyond 90, the solidarity fund created in the contract is implemented.

 

In the footsteps of supplementary health insurance for all

This funeral policy is the result of a partnership between the health network ATD Quart Monde and CNP Assurances, following research conducted in partnership with the cities of Nancy and Langres, and supported by the regional health office (ARS) of Lorraine. This project continues the progress made in supplementary health and funeral coverage that was launched in 2009 by ATD Quart Monde and its partners. It also builds on the extensive complementary health insurance assistance, or ACS (Aide complémentaire santé) implemented throughout France since 1 July 2015. The funeral personal risk cover supported by ATD Quart Monde activists completes the ACS policy offering.

 

Local management

CNP Assurances entrusted management of the policy to CIPREV, a joint body of the Victor Hugo group based in Epinal.

 

Features of the funeral policy

The fee is determined when a person signs up and varies from €0.50 per month for young people (under 30) to €13 per month above the age of 70.

 

■     Premiums are based on the person’s age at the time of subscription

■     Optional subscription

■     Guarantee: capital fixed at €2,500 can be paid by a third party to a funeral home (such as ROC ECLERC Nancy, who was a partner in the final phase of the project) via the contract with ATD Quart Monde for a service agreed upon by both parties.

■     No medical registration required

■     Age limit to subscribe: 80

■     Age limit for expiry of guarantee: 90

 

Partners

ATD Quart Monde national institutions, policy subscriber

CNP Assurances, insurer

CIPREV, manager