Benchmark of individual health insurance and welfare services
336 Pages
French
Release :
2022-08-10
Comparison of offers from around ten operators by market Health - GAV - Temporary death - Dependency - Funeral
AUTHOR
Stéphanie RIBAU
Studies project manager
Identify the different types of services offered to individuals in the world of health and welfare (assistance services, prevention, access to care)
Identify the services offered to members outside of health and welfare themes (practical life, well-being, employment, leisure)
Distinguish the modes of access to these services: as an inclusion or option in individual contracts or available to customers regardless of the contract subscribed
Determine the market standard by type of individual insurance contract
Identify the truly differentiating elements for each market
Objectives of the study
I. Services linked to individual health contracts
1. Proposed preventive actions Actions of the Social Security Code - Actions other than defined by Social Security - Additional preventive acts *
2. Access to care services 3. Assistance services Partner assistance companies and territory - Assistance and information accessible upon subscription - Assistance in the event of a disaster [immobilization or hospitalization / event concerning dependent children / maternity / illness serious or long-term illness (ALD) / disability / death / travel assistance] - Help for caregivers
II. Services linked to individual pension contracts
1. Proposed prevention actions
2. Support Services
2.1 Life Accident Guarantee Partner assistance companies and territoriality - Assistance and information accessible upon subscription - Travel assistance - Assistance in the event of incapacity - Assistance in the event of disability / handicap - Assistance in the event of death - Others assistance services
2.2. Temporary death insurance Partner and territorial assistance companies - Assistance and information accessible upon subscription - Assistance in the event of incapacity - Assistance in the event of a feared illness / serious pathology - Assistance in the event of disability / handicap - Assistance in the event of death - Assistance on the go
2.3 Long-term care insurance Partner assistance companies and territoriality - Assistance and information accessible upon subscription - Assistance in the event of temporary incapacity (illness or accident) - Specific assistance in the event of fracture - Assistance in the event of partial or total dependence - Assistance for caregivers
2.4 Funeral insurance Partner assistance companies and territoriality - Assistance before the funeral - Assistance during the funeral - Assistance after the funeral
III. Services offered to customers regardless of individual health & welfare themes
1. Services more oriented towards the daily lives of individuals
2. Advantage portals
Companies analyzed
Study methodologies
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
Individual health contracts:
Acheel
Allianz
AXA
Agricultural credit
Crédit Mutuel Alliance Fédérale
Groupama
Mutual Harmony
MAAF
MACIF
Malakoff Humanis
GAV contracts :
AXA
Savings Bank
Crédit Mutuel Alliance Fédérale
Groupama
Mutual Harmony
MAAF
MACIF
MNH
Societe Generale
Swisslife
Temporary Death Contracts :
Aesio
AXA
Savings Bank
Agricultural credit
Generali
Groupama
Mutual Harmony
Malakoff Humanis
MACIF
MGEN
Dependency Contracts:
Allianz
AXA
AG2R La Mondiale
Popular Bank
Savings Bank
Agricultural credit
Crédit Mutuel Alliance Fédérale
MAAF
Mutex
Societe Generale
Funeral contracts:
Bee
AG2R La Mondiale
Allianz
BNP Paribas
Agricultural credit
GMF
Groupama
The postal bank
Malakoff Humanis
Mutac
Scope of study
Selection of 10 contracts integrating assistance services for each of the markets analyzed: health, GAV, temporary death, dependency, funeral.
For each of these markets, participants with a significant market share, but also operators of smaller size, were selected in order to integrate diversity among the panel analyzed.
Collection of information
- General conditions and assistance agreements
- Commercial documentation
- Operator websites
The General Conditions, the assistance agreements and the commercial documentation used for this study come from the PROFIDEO Premium Monitoring Center. They were supplemented with commercial documentation and information from the operators' websites (date of general conditions and assistance agreements used: 2020 to 2022).
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