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Expectations of policyholders regarding the private space of their complementary health insurance

143 Pages

French

PDF

Release :

2020-12-11

What features of the health customer area are popular with policyholders?

AUTHOR

Bertrand MINOT

Studies project manager

  • Identify the overall perception that policyholders have of the personalized management space for their supplementary health insurance.

  • Test the interest of Internet users to communicate with their establishment via messaging integrated into the customer area and receive commercial communication through this means.

  • Identify the interest or obstacles of policyholders to modify their contract or make new subscriptions from their customer area.

Objectives of the study

1. UNDERSTANDING OF THE TARGETS AND THEIR RELATION TO THE PRIVATE SPACE OF THE

COMPLEMENTARY HEALTH

1.1. Understanding the targets

1.2. Becoming aware of the existence of the private Health space

1.3. The first visit to the private Health area

1.4. Usefulness and perceived benefits of private health space

1.5. Disadvantages spontaneously perceived

1.6. The a priori privileged channels

1.7. Declared operations carried out via the private space

1.8. Operations that participants would not a priori be ready to carry out via the private space

1.9. The operations that Occasionals would be prepared to carry out a posteriori via the private space after

overview of features


2. PERCEPTIONS OF THE FUNCTIONALITIES OFFERED BY THE PRIVATE HEALTH SPACE

2.1. Overall perception of the functionalities memorized in complementary health

2.1.1. Known or imagined functionalities

2.1.2. A priori prioritization of known or imagined functionalities

2.2. Reactions to the functionalities proposed in Health

2.2.1. Reactions to the “Make an appointment” functionality

2.2.2. Reactions to the “Modification of personal data and banking details” functionality

2.2.3. Reactions to the “Choice of method of receiving documents and information” functionality

commercial »

2.2.4. Reactions to the “Request to download certificate, third-party payment cards and other duplicates” functionality

2.2.5. Reactions to the “Request Reimbursement” feature

2.2.6. Reactions to the “Search, track and analyze refunds” functionality

2.2.7. Reactions to the “Add or remove a beneficiary” functionality

2.2.8. Reactions to the “Send quotes” functionality

2.2.9. Reactions to the “Out-of-pocket simulator” functionality

2.2.10. Reactions to the “Hospitalization-related services” functionality

2.2.11. Reactions to the “Approved Healthcare Professional Search” feature

2.2.12. Reactions to the “Health prevention information” functionality


3. PERCEIVED INTEREST OF PRIVATE SPACE TO COMMUNICATE WITH YOUR OPERATIONS

HEALTH INSURANCE TOR

3.1. The a priori preferred/privileged means of communication (apart from management actions)

3.2. The destinations assigned to each means of communication

3.3. Interest in messaging integrated into the customer area

3.4. Perceptions of online chat

3.5. Perceptions of the chatbot

3.6. Perceptions of videoconferencing

3.7 Preference between different means of communication after presentation


4. ACCEPTANCE AND BARRIERS TO THE MODIFICATION OF AN EXISTING CONTRACT AND THE

SUBSCRIBE TO A NEW CONTRACT VIA THE PRIVATE AREA

4.1. Where to find the “Contract/coverage modification” functionality in the private area

4.2. Types of contract modifications considered or made

4.3. Procedures and channels considered for making a modification to a contract

4.4. Reasons for rejecting 100% online modification of a contract

4.5. Legitimacy of health supplements to offer other products

4.6. Position of the operator's offer in the private space to be accepted

4.7. Procedures and channels envisaged for signing a new contract

4.8. Conditions for a 100% online subscription to a new contract

Companies analyzed

Study methodologies

Une enquête quantitative auprès de 1 000 français

Comportement et attentes des français en matière de prévention habitation

Benchmark d’une quinzaine d’espaces internet et applications mobiles en épargne salariale et retraite d'entreprise (PEE, PERCOL, PERO)

Benchmark des espaces de gestion en épargne salariale et retraite collective

  • Comprendre de quelle manière les réseaux de vente sont organisés, accompagnés et animés pour la vente d’assurances prévoyance individuelles.


  • Analyser la dynamique commerciale mise en place pour équiper les clients et/ou prospects : temps forts, événements, offres ponctuelles et permanentes.


  • Relever les différentes pratiques et démarches des conseillers pour commercialiser les offres : ciblage, opportunités commerciales, cycle d’équipement,….


  • Réaliser des focus par type d’assurances : GAV, temporaire décès, dépendance et obsèques.

Benchmark des pratiques de vente d’assurances prévoyance individuelles en agence

I. ÉLÉMENTS DÉCLENCHEURS DE CHANGEMENT D’ASSUREUR

II. CRITÈRES DE SÉLECTION

III. PROCESSUS SUIVI

IV. VOLATILITÉ POTENTIELLE

Enquête quantitative en ligne auprès de 1000 retraités ayant changé d’assureur santé au cours des 3 dernières années.

Analyse des élements déclencheurs et des parcours clients.

Enquête changement d'assureur santé des retraités 2023

Notre méthodologie ne requiert pas d'analyse de sociétés pour cette étude

4 reactive motivation groups

4 groups (3 hours) carried out in Paris from October 7 to 15, 2020 with owners of complementary health insurance (possibly collective via their company or individual if retired or TNS)

4 target segments surveyed

30-50 year olds used to going to their private health space
30-50 year olds very occasionally visiting their private health space
51-70 years old used to going to their private health area
51-70 years old very occasionally visiting their private health space

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