Life and healthcare insurance
Protect your company's human capital.
Rising absenteeism, the Covid-19 pandemic and the latest reform of the 100% health insurance scheme have made the health and provident insurance market tougher. These developments in the insurance sector have made contract renewal discussions with insurers more complex, depending on the case.
Faced with these new challenges, it may be a good idea to rework your insurance contracts, question your coverage levels, anticipate future contract renewals, or reflect on your new projects in this area (e.g. harmonization, which requires compliance with certain obligations).
Optimizing health and personal risk insurance contracts
Personal insurance: a key issue for companies
Personal insurance is an expense that varies according to the size, sector of activity and needs of the company. Companies need to pay particular attention to the contracts they sign with insurance companies or brokerage firms, especially at a time when premiums are on the rise.
Personal insurance covers risks related to human capital. They cover health expenses linked to mutual insurance, provident insurance (in relation to death, sick leave and disability), retirement, IFC (Indemnité de Fin de Carrière – end-of-career indemnity) and employee travel on assignment.
Our insurance expertise
Cristal Decisions has a wealth of experience in supporting companies: our advisory and monitoring services enable them to make an informed underwriting decision based on all the information on the best offers available.
Contracts, benefits, premiums, etc. our advice covers all the essential elements you need to take into account to make an informed choice and optimize your health and provident insurance contracts.
Save up to 35
time savings with a high-performance management tool
10 years' experience
the average experience of our consultants in ADP expertise
A proven methodology
To meet your needs, we need to take the time to provide you with the totally objective, tailor-made support you need when tackling the complex subject of insurance.
Health, welfare, retirement
STEP 1: Diagnosis of your insurance contracts
Together, we examine the elements that need to be taken into account to get a fresh look at your needs and analyze your situation in its entirety:
- your guarantees ;
- your contributions ;
- your income statements ;
- your management quality ;
- the service providers you use;
- the obligations of your National Collective Bargaining Agreement (CCN).
STEP 2: Legal watch
This step enables you to check that you are complying with the latest regulatory requirements, in terms of responsible contract, 100% health, etc. Responsible contracts must comply with strict specifications, which makes them difficult to draw up. As for the 100% health scheme, it requires supplementary health insurance contracts to provide cover with a 0 out-of-pocket expense.
STEP 3: Meeting your management expectations
We guide you through the digital transformation of your management services (digitization, teleconsultation, absenteeism prevention, etc.) to find the most appropriate solution for your company.
STEP 4: Benchmark the offers available on the market
We carry out a benchmark to study and compare the cover and services of different brokers, insurers and managers, in order to find the offers that best meet your health and personal protection needs.
STEP 5: Our recommendations
Finally, we give you our advice on how to ensure the long-term viability of your profit and loss accounts, contracts and contributions, while defining the best organizational practices for your company's profile.
OBJECTIVE MARKET VISION
Support covering all aspects of your insurance needs
Thanks to this methodology, proven by years of experience in serving companies, the support provided by our experts enables you to :
- Get an up-to-date, accurate view of your contracts;
- Position your contracts in relation to our knowledge of the market and best practices;
- Take advantage of the competitive effect generated by the decree on intra-annual termination*.
*Infra-annual termination allows companies to terminate their supplementary health insurance contract at any time after one year’s subscription, without charge or penalty.
Why put your trust in Cristal Decisions?
Our experience in business consulting is a guarantee of quality and trust. Working with Cristal Decisions on personal insurance issues means :
- deal with a team of experts in the field of insurance contracts;
- the certainty that commitments will be honored;
- benefit from one or more solutions tailored to your specific needs.
Following the diagnosis, we propose the implementation of the recommendations according to your choice, with three possible modes of negotiation, to be adapted to your specific situation.
By mutual agreement
Invitation to tender
Competition with existing insurers to select the best-performing offer.
Open invitation to tender
Market search for the best broker/ insurer pairing.
Nota Bene : we also manage conceptual and servicing tenders.
Discover our insights shared with the CNA
As part of our partnership with the CNA, Cristal Décisions hosted a webinar alongside Melanie ROSENFELD – Purchasing Manager at the VIESSMANN Group.
We shared our perspective on the key challenges of the ADP insurance market and provided valuable feedback on the project we carried out together.
Our customers talk about us
We chose Cristal Decisions Assurance to help us review all our insurance contracts. The team quickly demonstrated strong added value through their expertise and in-depth knowledge of the various market segments. The project was completed on time and delivered results that exceeded expectations, both operationally and financially. We won't hesitate to work with Cristal Decisions again.
Our expert: Julie Kaes
An expert in corporate social protection, Julie spent 7 years in the insurance brokerage business on bespoke corporate account management before joining Cristal Decisions in 2019.
Her areas of expertise are:
- Contract audit,
- Income statement analysis and optimization levers,
- Harmonization of contracts,
- Compliance with legal obligations,
- Intervention with employee representative bodies.
Discover all our offers
For all our areas of expertise, we map the services in place, identify your needs and support you in implementing all the levers proposed by our teams and validated by you.
Procurement Performance
Our locations
Paris
Lille
Lyon
Aix
Rennes
Brusells
