Levers for conquering TNS in health insurance Madelin law

I. PERCEPTIONS OF THE MADELIN LAW SUPPLEMENTARY HEALTH

• Spontaneous perceptions of the product

• Perceived advantages and disadvantages

• Feeling of being well covered or not

• Importance given to the deductibility of the Madelin law and obtaining this information

II. REASONS LEADING TO MAKE OR CONSIDER A CHANGE OF COMMISSION

SUPPLEMENTARY HEALTH

• Reasons for choosing the operator/contract left or about to be left

• Spontaneously mentioned reasons leading to leaving or considering changing operator/contract

• Weight in the decision of disappointment in terms of service

• Weight in the decision of the deterioration of the relationship with the operator

• Weight in the decision of the price increase

• Goals of change spontaneously evoked / what the best researched is about / was about

• Weight of management improvement in the desired goals

• Weight of obtaining a better price for the desired goals

• Weight of obtaining better guarantees for the desired goals

• Weight of obtaining better services for the desired purposes

III. SUBSCRIPTION PROCESS FOLLOWED OR CONSIDERED

• Intervention of a prescriber or not

• Criteria for choosing the operator or those planned to be interviewed

• Comparison made or considered and perception of the ease or difficulty of comparing

•Possible previous experience with a broker and reasons for the decision not to use it for complementary health insurance

• Possible quote requests

• Subscription methods (channels used and number of steps to subscribe)

• Perceptions of the interest or not of digital tools such as videoconferencing, chat and chatbot in the subscription process

• Perception of Insurtech and predisposition to question them in the context of a change in complementary health insurance

IV. CHARACTERISTICS OF THE OFFERS WHICH COULD OR COULD INFLUENCE THE CHOICE

OF OR A NEW CONTRACT

• Main criteria spontaneously mentioned having determined or could determine the choice of a new contract

• Importance of the tariff and the tariff reduction for the rights holders

• Importance of being able to make a quote online

• Importance of examples of reimbursements as elements of conviction

• Importance of immediacy of coverage in the decision

• Importance of guarantees in the decision and those having or going to count the most

• Importance of the loyalty reward (via guarantee valuations) in the decision

•Importance of services in the decision and those considered to have had or could have the most weight

• Awareness of digital services (and which ones)

• Awareness of services ensuring access to care (and which ones)

• Awareness of support services (and which ones)

• Awareness of advice and prevention actions and services (and which ones)

V. REACTIONS TO A POSSIBLE HEALTH/PROVIDENCE COUPLING OFFER

• Importance given to foresight

• Whether or not a pension contract is held and operator with whom it is held

• Change made or planned to the pension contract and with whom possibly, for those in

already having a

• Willingness or not to take out a insurance contract when changing complementary health insurance and with whom, for those who do not yet have one

• Importance or not of the dual competence of an operator on both markets

• Preference for a single operator or for a dissociation of the two contracts

• Opening when coupling the two products

• Expected pricing advantage

• Preference in the arguments used by operators to convince of the benefits of coupling