{"id":7236,"date":"2022-10-19T16:45:20","date_gmt":"2022-10-19T14:45:20","guid":{"rendered":"https:\/\/cristal-decisions.com\/personal-insurance\/"},"modified":"2025-11-13T11:39:41","modified_gmt":"2025-11-13T10:39:41","slug":"life-and-healthcare-insurance","status":"publish","type":"page","link":"https:\/\/cristal-decisions.com\/en\/life-and-healthcare-insurance\/","title":{"rendered":"Life and healthcare insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"7236\" class=\"elementor elementor-7236 elementor-45\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5459f2f e-con-full e-flex e-con e-parent\" data-id=\"5459f2f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;video&quot;,&quot;background_video_link&quot;:&quot;https:\\\/\\\/vimeo.com\\\/776233088&quot;,&quot;background_play_on_mobile&quot;:&quot;yes&quot;}\">\n\t\t<div class=\"elementor-background-video-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-video-embed\" role=\"presentation\"><\/div>\n\t\t\t\t\t\t<\/div><div class=\"elementor-element elementor-element-0603a59 e-con-full e-flex e-con e-child\" data-id=\"0603a59\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a44ee9e elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"a44ee9e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3f10ad3 elementor-widget elementor-widget-heading\" data-id=\"3f10ad3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Life and healthcare insurance<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ce64a6a elementor-widget elementor-widget-heading\" data-id=\"ce64a6a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Protect your company's human capital.<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04d42c7 e-flex e-con-boxed e-con e-parent\" data-id=\"04d42c7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-78c24b1 e-con-full e-flex e-con e-child\" data-id=\"78c24b1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-102d06d elementor-widget elementor-widget-text-editor\" data-id=\"102d06d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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 <strong>contract renewal<\/strong> discussions with insurers more complex, depending on the case.<\/p>\n<p>Faced with these new challenges, it may be a good idea to <strong>rework your insurance contracts<\/strong>, 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).<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-498d6f5 e-flex e-con-boxed e-con e-parent\" data-id=\"498d6f5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e283b4b e-con-full e-flex e-con e-child\" data-id=\"e283b4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d10bb0f elementor-widget elementor-widget-heading\" data-id=\"d10bb0f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Optimizing health and personal risk insurance contracts<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f9e9779 e-con-full e-flex e-con e-child\" data-id=\"f9e9779\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7a48a2a e-con-full e-flex e-con e-child\" data-id=\"7a48a2a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-faa7e4f e-con-full e-flex e-con e-child\" data-id=\"faa7e4f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cd0ebc9 e-con-full e-flex e-con e-child\" data-id=\"cd0ebc9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b885bd1 elementor-widget elementor-widget-heading\" data-id=\"b885bd1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Personal insurance: a key issue for companies<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dd55535 elementor-widget elementor-widget-text-editor\" data-id=\"dd55535\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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. <\/p>\n<p>Personal insurance covers <strong>risks related to human capital<\/strong>. They cover health expenses linked to mutual insurance, provident insurance (in relation to death, sick leave and disability), retirement, IFC (Indemnit\u00e9 de Fin de Carri\u00e8re &#8211; end-of-career indemnity) and employee travel on assignment.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5495446 e-con-full e-flex e-con e-child\" data-id=\"5495446\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8d78fa0 e-con-full e-flex e-con e-child\" data-id=\"8d78fa0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7173935 elementor-widget elementor-widget-heading\" data-id=\"7173935\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Our insurance expertise<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a9add6 elementor-widget elementor-widget-text-editor\" data-id=\"4a9add6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p>\n<p>Contracts, benefits, premiums, etc. our advice covers <strong>all the essential elements<\/strong> you need to take into account to make an informed choice and optimize your health and provident insurance contracts.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a3deb53 e-con-full e-flex e-con e-child\" data-id=\"a3deb53\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4448935 e-con-full e-flex e-con e-child\" data-id=\"4448935\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b03c82a elementor-hidden-mobile e-con-full e-flex e-con e-child\" data-id=\"b03c82a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-08ad9bf e-con-full e-flex e-con e-child\" data-id=\"08ad9bf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8626567 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"8626567\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img fetchpriority=\"high\" decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/back-in-time.png\" class=\"attachment-full size-full wp-image-1702\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/back-in-time.png 512w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/back-in-time-300x300.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/back-in-time-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\">Save up to 35<\/p><p class=\"elementor-image-box-description\">time savings with a high-performance management tool<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36d39b7 e-con-full e-flex e-con e-child\" data-id=\"36d39b7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96353a4 elementor-position-top elementor-widget elementor-widget-image-box\" data-id=\"96353a4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image-box.default\">\n\t\t\t\t\t<div class=\"elementor-image-box-wrapper\"><figure class=\"elementor-image-box-img\"><img decoding=\"async\" width=\"512\" height=\"512\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/anniversary.png\" class=\"attachment-full size-full wp-image-1703\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/anniversary.png 512w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/anniversary-300x300.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/anniversary-150x150.png 150w\" sizes=\"(max-width: 512px) 100vw, 512px\" \/><\/figure><div class=\"elementor-image-box-content\"><p class=\"elementor-image-box-title\">10 years' experience<\/p><p class=\"elementor-image-box-description\">the average experience of our consultants in ADP expertise<\/p><\/div><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9acc727 elementor-hidden-mobile e-con-full e-flex e-con e-child\" data-id=\"9acc727\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f1f1a83 e-flex e-con-boxed e-con e-parent\" data-id=\"f1f1a83\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-65a54bc e-con-full e-flex e-con e-child\" data-id=\"65a54bc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4d47feb e-flex e-con-boxed e-con e-parent\" data-id=\"4d47feb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-e7c719b e-con-full e-flex e-con e-child\" data-id=\"e7c719b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1db481 elementor-widget elementor-widget-heading\" data-id=\"a1db481\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A proven methodology<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-313246e elementor-widget elementor-widget-text-editor\" data-id=\"313246e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>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.<\/strong><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba55605 e-con-full e-flex e-con e-child\" data-id=\"ba55605\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-86acd41 e-con-full e-flex e-con e-child\" data-id=\"86acd41\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-f2de659 e-con-full e-flex e-con e-child\" data-id=\"f2de659\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-f0d29f0 e-con-full e-flex e-con e-child\" data-id=\"f0d29f0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fb9589 elementor-widget elementor-widget-heading\" data-id=\"4fb9589\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Health, welfare, retirement<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-725e499 e-con-full e-flex e-con e-child\" data-id=\"725e499\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-dc7e4fc elementor-view-stacked elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"dc7e4fc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-star\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSTEP 1: Diagnosis of your insurance contracts\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tTogether, we examine the elements that need to be taken into account to get <strong>a fresh look at your needs<\/strong> and analyze your situation in its entirety:<ul><li>your guarantees ;<\/li><li>your contributions ;<\/li><li>your income statements ;<\/li><li>your management quality ;<\/li><li>the service providers you use;<\/li><li>the obligations of your National Collective Bargaining Agreement (CCN).<\/li><\/ul>\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e145d69 elementor-view-stacked elementor-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"e145d69\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-star\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSTEP 2: Legal watch\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tThis step enables you to check that you are complying with <strong>the latest regulatory requirements<\/strong>, 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.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4341c4f e-con-full e-flex e-con e-child\" data-id=\"4341c4f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3e79633 e-con-full e-flex e-con e-child\" data-id=\"3e79633\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b88a438 elementor-view-stacked elementor-position-inline-end elementor-tablet-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"b88a438\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-star\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSTEP 3: Meeting your management expectations\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe guide you through <strong>the digital transformation of your management services<\/strong> (digitization, teleconsultation, absenteeism prevention, etc.) to find the most appropriate solution for your company.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8797680 elementor-view-stacked elementor-position-inline-end elementor-tablet-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8797680\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-star\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSTEP 4: Benchmark the offers available on the market\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tWe carry out a benchmark to <strong>study and compare the cover<\/strong> and services of different brokers, insurers and managers, in order to find the offers that best meet your health and personal protection needs.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-eb2b41a elementor-view-stacked elementor-position-inline-end elementor-tablet-position-inline-start elementor-shape-circle elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"eb2b41a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-star\"><\/i>\t\t\t\t<\/span>\n\t\t\t<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tSTEP 5: Our recommendations\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tFinally, 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.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-690e7a0 e-con-full e-flex e-con e-child\" data-id=\"690e7a0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-2c68cf5 e-con-full e-flex e-con e-child\" data-id=\"2c68cf5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-ab80e5d e-con-full e-flex e-con e-child\" data-id=\"ab80e5d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6711a5c elementor-widget elementor-widget-heading\" data-id=\"6711a5c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">OBJECTIVE <\/br> MARKET VISION<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-151c17f e-flex e-con-boxed e-con e-parent\" data-id=\"151c17f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-70d9562 e-con-full e-flex e-con e-child\" data-id=\"70d9562\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2422c08 elementor-widget elementor-widget-heading\" data-id=\"2422c08\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Support covering all aspects of your insurance needs<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e388fd6 elementor-widget elementor-widget-text-editor\" data-id=\"e388fd6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Thanks to this methodology, proven by years of experience in serving companies, the support provided by our experts enables you to :<\/p>\n<ul>\n<li>Get an up-to-date, accurate view of your contracts;<\/li>\n<li>Position your contracts in relation to our knowledge of the market and best practices;<\/li>\n<li>Take advantage of the competitive effect generated by the decree on <strong>intra-annual termination*<\/strong>.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0459738 elementor-widget elementor-widget-text-editor\" data-id=\"0459738\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><em>*Infra-annual termination allows companies to terminate their supplementary health insurance contract at any time after one year&#8217;s subscription, without charge or penalty.<\/em><\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-88532fa e-flex e-con-boxed e-con e-parent\" data-id=\"88532fa\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-91c4c88 e-con-full e-flex e-con e-child\" data-id=\"91c4c88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-799a7ec elementor-widget elementor-widget-heading\" data-id=\"799a7ec\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Why put your trust in Cristal Decisions?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d6f1b47 elementor-widget elementor-widget-text-editor\" data-id=\"d6f1b47\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Our experience in business consulting is <strong>a guarantee of quality and trust<\/strong>. Working with Cristal Decisions on personal insurance issues means :<\/p>\n<ul>\n<li>deal with a team of experts in the field of insurance contracts;<\/li>\n<li>the certainty that commitments will be honored;<\/li>\n<li>benefit from one or more solutions tailored to your specific needs.<\/li>\n<\/ul>\n<p>Following the diagnosis, we propose <strong>the implementation of the recommendations according to your choice<\/strong>, with three possible modes of negotiation, to be adapted to your specific situation.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-524a07f e-con-full e-flex e-con e-child\" data-id=\"524a07f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b1b2ae6 e-con-full e-flex e-con e-child\" data-id=\"b1b2ae6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9ed9d8f elementor-widget elementor-widget-uael-infobox\" data-id=\"9ed9d8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-infobox.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"uael-module-content uael-infobox uael-imgicon-style-normal  uael-infobox-left  infobox-has-photo uael-infobox-photo-left  uael-infobox-image-valign-top  uael-infobox-stacked-tablet  uael-infobox-link-type-none\">\n\t<div class=\"uael-infobox-left-right-wrap\">\n\t\t\t\t\t\t\t\t<div class=\"uael-module-content uael-imgicon-wrap \">\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-image\" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\">\n\t\t\t\t\t\t\t<div class=\"uael-image-content elementor-animation- \">\n\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/12\/une.png\" class=\"attachment-full size-full wp-image-2458\" alt=\"\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-infobox-content\">\n\t\t\t\t\t\t<div class='uael-infobox-title-wrap'><p class=\"uael-infobox-title elementor-inline-editing\" data-elementor-setting-key=\"infobox_title\" data-elementor-inline-editing-toolbar=\"basic\" >By mutual agreement<\/p><\/div>\t\t\t\t\t\t<div class=\"uael-separator-parent\">\n\t\t\t\t<div class=\"uael-separator\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"uael-infobox-text-wrap\">\n\t\t\t\t<div class=\"uael-infobox-text elementor-inline-editing\" data-elementor-setting-key=\"infobox_description\" data-elementor-inline-editing-toolbar=\"advanced\">\n\t\t\t\t\tDiscussions with your existing broker\/insurer: provide technical information to obtain <strong>contractual improvements<\/strong> from the insurer (in terms of cover or premiums).\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e416459 e-con-full e-flex e-con e-child\" data-id=\"e416459\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6071403 elementor-widget elementor-widget-uael-infobox\" data-id=\"6071403\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-infobox.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"uael-module-content uael-infobox uael-imgicon-style-normal  uael-infobox-left  infobox-has-photo uael-infobox-photo-left  uael-infobox-image-valign-top  uael-infobox-stacked-tablet  uael-infobox-link-type-none\">\n\t<div class=\"uael-infobox-left-right-wrap\">\n\t\t\t\t\t\t\t\t<div class=\"uael-module-content uael-imgicon-wrap \">\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-image\" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\">\n\t\t\t\t\t\t\t<div class=\"uael-image-content elementor-animation- \">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/12\/deux.png\" class=\"attachment-full size-full wp-image-2459\" alt=\"\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-infobox-content\">\n\t\t\t\t\t\t<div class='uael-infobox-title-wrap'><p class=\"uael-infobox-title elementor-inline-editing\" data-elementor-setting-key=\"infobox_title\" data-elementor-inline-editing-toolbar=\"basic\" >Invitation to tender<\/p><\/div>\t\t\t\t\t\t<div class=\"uael-separator-parent\">\n\t\t\t\t<div class=\"uael-separator\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"uael-infobox-text-wrap\">\n\t\t\t\t<div class=\"uael-infobox-text elementor-inline-editing\" data-elementor-setting-key=\"infobox_description\" data-elementor-inline-editing-toolbar=\"advanced\">\n\t\t\t\t\t<p><b>Competition<\/b> with existing insurers to select the best-performing offer.<\/p>\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-0df1091 e-con-full e-flex e-con e-child\" data-id=\"0df1091\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e264091 elementor-widget elementor-widget-uael-infobox\" data-id=\"e264091\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-infobox.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n<div class=\"uael-module-content uael-infobox uael-imgicon-style-normal  uael-infobox-left  infobox-has-photo uael-infobox-photo-left  uael-infobox-image-valign-top  uael-infobox-stacked-tablet  uael-infobox-link-type-none\">\n\t<div class=\"uael-infobox-left-right-wrap\">\n\t\t\t\t\t\t\t\t<div class=\"uael-module-content uael-imgicon-wrap \">\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-image\" itemscope itemtype=\"http:\/\/schema.org\/ImageObject\">\n\t\t\t\t\t\t\t<div class=\"uael-image-content elementor-animation- \">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"128\" height=\"128\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/12\/trois.png\" class=\"attachment-full size-full wp-image-2460\" alt=\"\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"uael-infobox-content\">\n\t\t\t\t\t\t<div class='uael-infobox-title-wrap'><p class=\"uael-infobox-title elementor-inline-editing\" data-elementor-setting-key=\"infobox_title\" data-elementor-inline-editing-toolbar=\"basic\" >Open invitation to tender<\/p><\/div>\t\t\t\t\t\t<div class=\"uael-separator-parent\">\n\t\t\t\t<div class=\"uael-separator\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"uael-infobox-text-wrap\">\n\t\t\t\t<div class=\"uael-infobox-text elementor-inline-editing\" data-elementor-setting-key=\"infobox_description\" data-elementor-inline-editing-toolbar=\"advanced\">\n\t\t\t\t\t<p>Market search for the best <b>broker<\/b>\/ <b>insurer<\/b> pairing.<br>\r\nNota Bene : <em>we also manage conceptual and servicing tenders.<\/em><\/p>\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t<\/div>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d42a2ab e-flex e-con-boxed e-con e-parent\" data-id=\"d42a2ab\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d33f52d e-con-full e-flex e-con e-child\" data-id=\"d33f52d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39c4a67 elementor-widget elementor-widget-heading\" data-id=\"39c4a67\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Discover our insights shared with the CNA<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-145eabf elementor-widget elementor-widget-text-editor\" data-id=\"145eabf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>As part of our partnership with the CNA, Cristal D\u00e9cisions hosted a <strong>webinar<\/strong> alongside Melanie ROSENFELD \u2013 Purchasing Manager at the VIESSMANN Group.<br \/>We shared our perspective on the key challenges of the ADP insurance market and provided valuable feedback on the project we carried out together.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef7dab8 e-flex e-con-boxed e-con e-child\" data-id=\"ef7dab8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-878026f uael-aspect-ratio-16_9 uael-youtube-subscribe-no elementor-widget elementor-widget-uael-video\" data-id=\"878026f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"uael-video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"uael-video__outer-wrap  uael-video-type-youtube\" data-device=\"false\" data-vsticky=\"no\" data-hidedesktop=\"\" data-hidetablet=\"\" data-hidemobile=\"\" data-vsticky-viewport=\"0\" data-autoplay=\"0\">\n\t\t\t\t\t\t<div class=\"uael-video-inner-wrap\">\n\t\t\t\t<div class=\"uael-video__play\" data-src=\"https:\/\/www.youtube.com\/embed\/HnKtA7nCsPU?rel=0&amp;start&amp;end&amp;controls=1&amp;mute=0&amp;modestbranding=0&amp;\">\n\t\t\t\t\t<img decoding=\"async\" class=\"uael-video__thumb\" src=\"https:\/\/i.ytimg.com\/vi\/HnKtA7nCsPU\/maxresdefault.jpg\" alt=\"\"><\/img>\n\t\t\t\t\t<div class=\"uael-video__play-icon uael-animation-\">\n\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fa fa-play-circle\"><\/i>\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3749ad4 e-flex e-con-boxed e-con e-parent\" data-id=\"3749ad4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2101400 e-con-full e-flex e-con e-child\" data-id=\"2101400\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4f1968b elementor-widget elementor-widget-heading\" data-id=\"4f1968b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Our customers talk about us<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5c3224f e-flex e-con-boxed e-con e-parent\" data-id=\"5c3224f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-ae03413 e-con-full e-flex e-con e-child\" data-id=\"ae03413\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b011288 e-con-full e-flex e-con e-child\" data-id=\"b011288\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-a4d8d97 e-con-full e-flex e-con e-child\" data-id=\"a4d8d97\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39b4f71 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"39b4f71\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-quote-left\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-44aa22d elementor-widget elementor-widget-testimonial\" data-id=\"44aa22d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"testimonial.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-wrapper\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial-content\"><p>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.<\/p>\n<\/div>\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-testimonial-meta\">\n\t\t\t\t<div class=\"elementor-testimonial-meta-inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-details\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-name\">Aur\u00e9lien VEPIERRE<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial-job\">Sourcing Associate Director<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a47fcdb elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"a47fcdb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon elementor-animation-grow\">\n\t\t\t<i aria-hidden=\"true\" class=\"fas fa-quote-right\"><\/i>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3312cfa e-con-full e-flex e-con e-child\" data-id=\"3312cfa\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6a52cdf elementor-widget elementor-widget-image\" data-id=\"6a52cdf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"533\" height=\"800\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2023\/05\/ADP-Clients.jpg\" class=\"attachment-large size-large wp-image-7004\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2023\/05\/ADP-Clients.jpg 533w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2023\/05\/ADP-Clients-200x300.jpg 200w\" sizes=\"(max-width: 533px) 100vw, 533px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ce51b43 e-con-full e-flex e-con e-parent\" data-id=\"ce51b43\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-b5639bd e-con-full e-flex e-con e-child\" data-id=\"b5639bd\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-11557cd elementor-widget elementor-widget-image\" data-id=\"11557cd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"448\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/We-are-cristal-decisions-scaled-e1666711428588.jpg\" class=\"attachment-full size-full wp-image-6903\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/We-are-cristal-decisions-scaled-e1666711428588.jpg 2560w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/We-are-cristal-decisions-scaled-e1666711428588-300x53.jpg 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/We-are-cristal-decisions-scaled-e1666711428588-1024x179.jpg 1024w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/We-are-cristal-decisions-scaled-e1666711428588-768x134.jpg 768w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/We-are-cristal-decisions-scaled-e1666711428588-1536x269.jpg 1536w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/We-are-cristal-decisions-scaled-e1666711428588-2048x358.jpg 2048w\" sizes=\"(max-width: 2560px) 100vw, 2560px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-088419a e-flex e-con-boxed e-con e-parent\" data-id=\"088419a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6fa4755 e-con-full e-flex e-con e-child\" data-id=\"6fa4755\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e724c90 elementor-widget elementor-widget-image\" data-id=\"e724c90\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"533\" height=\"533\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2023\/05\/Julie-KAES-rond.jpg\" class=\"attachment-large size-large wp-image-7005\" alt=\"Experte Cristal D\u00e9cisions - Julie Kaes\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2023\/05\/Julie-KAES-rond.jpg 533w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2023\/05\/Julie-KAES-rond-300x300.jpg 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2023\/05\/Julie-KAES-rond-150x150.jpg 150w\" sizes=\"(max-width: 533px) 100vw, 533px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd2322e e-con-full e-flex e-con e-child\" data-id=\"fd2322e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ffcfbbc elementor-widget elementor-widget-heading\" data-id=\"ffcfbbc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Our expert: Julie Kaes<\/p>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4cfeb29 elementor-widget elementor-widget-text-editor\" data-id=\"4cfeb29\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>An expert in <strong>corporate social protection<\/strong>, Julie spent 7 years in the insurance brokerage business on bespoke corporate account management before joining Cristal Decisions in 2019.<br \/>Her areas of expertise are:<\/p>\n<ul>\n<li>Contract audit,<\/li>\n<li>Income statement analysis and optimization levers,<\/li>\n<li>Harmonization of contracts,<\/li>\n<li>Compliance with legal obligations,<\/li>\n<li>Intervention with employee representative bodies.<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8413866 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"8413866\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/in\/julie-kaes-41b319149\/\" target=\"_blank\">\n\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fab fa-linkedin\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"><span style=\"color: #256B73;font-weight: 700\">Julie KAES<\/span> - Head of Insurance Expertise ADP<\/span>\n\t\t\t\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d79af3e e-con-full e-flex e-con e-parent\" data-id=\"d79af3e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e8dc6af e-con-full e-flex e-con e-child\" data-id=\"e8dc6af\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-e8302da e-flex e-con-boxed e-con e-child\" data-id=\"e8302da\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-989ae13 elementor-widget elementor-widget-heading\" data-id=\"989ae13\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Discover all our offers<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3b8f5e9 elementor-widget elementor-widget-text-editor\" data-id=\"3b8f5e9\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>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.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2024c10 offres-cadres e-flex e-con-boxed e-con e-child\" data-id=\"2024c10\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-3ff91c4 e-con-full e-flex e-con e-child\" data-id=\"3ff91c4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-02ab7ba elementor-flip-box--effect-fade elementor-widget elementor-widget-global elementor-global-7587 elementor-global-3003 elementor-widget-flip-box\" data-id=\"02ab7ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__image\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Assurance-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-230\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Assurance-150x150.png 150w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Assurance-300x300.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Assurance.png 373w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tProperty and casualty insurance\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<a class=\"elementor-flip-box__layer elementor-flip-box__back\" href=\"https:\/\/cristal-decisions.com\/en\/property-and-casualty-insurance\/\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tWe seek to protect you from risks related to business property and liability, as well as risks related to motor vehicles, transport, cyber security, fraud and construction.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-flip-box__button elementor-button elementor-size-xs\">\n\t\t\t\t\t\t\tFind out more\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3771ac7 e-con-full e-flex e-con e-child\" data-id=\"3771ac7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f25e5d8 elementor-flip-box--effect-fade elementor-widget elementor-widget-global elementor-global-7460 elementor-global-3875 elementor-widget-flip-box\" data-id=\"f25e5d8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__image\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Classe-energetique-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-244\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Classe-energetique-150x150.png 150w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Classe-energetique-300x300.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Classe-energetique.png 373w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tEnergy efficiency\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<a class=\"elementor-flip-box__layer elementor-flip-box__back\" href=\"https:\/\/cristal-decisions.com\/en\/energy-efficiency-financing\/\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tOur consultants help you finance your energy efficiency projects by supporting you in obtaining Energy Savings Certificates (ESC), or by identifying and structuring applications for public subsidies (such as ADEME aids).\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-flip-box__button elementor-button elementor-size-xs\">\n\t\t\t\t\t\t\tFind out more\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-50c8f12 e-con-full e-flex e-con e-child\" data-id=\"50c8f12\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5d9ceff elementor-flip-box--effect-fade elementor-widget elementor-widget-global elementor-global-7472 elementor-global-3006 elementor-widget-flip-box\" data-id=\"5d9ceff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__image\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Energie-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-241\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Energie-150x150.png 150w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Energie-300x300.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Energie.png 373w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tEnergy\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<a class=\"elementor-flip-box__layer elementor-flip-box__back\" href=\"https:\/\/cristal-decisions.com\/en\/energy\/\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tOur consulting services aim to sustainably manage your energy budget across three areas: purchasing strategy and market monitoring (benchmarking, including green energy), optimizations (supply, taxation, and distribution), and management of billing errors.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-flip-box__button elementor-button elementor-size-xs\">\n\t\t\t\t\t\t\tFind out more\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ee59afc e-con-full e-flex e-con e-child\" data-id=\"ee59afc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-480eb1f elementor-flip-box--effect-fade elementor-widget elementor-widget-global elementor-global-7470 elementor-global-3009 elementor-widget-flip-box\" data-id=\"480eb1f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__image\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Facility-Management-1-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-1537\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Facility-Management-1-150x150.png 150w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Facility-Management-1-300x300.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Facility-Management-1.png 373w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tFacility Management\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<a class=\"elementor-flip-box__layer elementor-flip-box__back\" href=\"https:\/\/cristal-decisions.com\/en\/facility-management\/\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tWe handle the identification of your company\u2019s needs, define the expected service levels, and set market optimization objectives through the alignment of technical, economic, and quality levers.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-flip-box__button elementor-button elementor-size-xs\">\n\t\t\t\t\t\t\tFind out more\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e40c468 e-con-full e-flex e-con e-child\" data-id=\"e40c468\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2a018d elementor-flip-box--effect-fade elementor-widget elementor-widget-global elementor-global-7468 elementor-global-3012 elementor-widget-flip-box\" data-id=\"c2a018d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__image\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/immobilier-1-1-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-1538\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/immobilier-1-1-150x150.png 150w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/immobilier-1-1-300x300.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/immobilier-1-1.png 373w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tReal Estate\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<a class=\"elementor-flip-box__layer elementor-flip-box__back\" href=\"https:\/\/cristal-decisions.com\/en\/real-estate\/\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tOur services foster the optimization of your operational real estate by analyzing and controlling your costs, defining your property strategy, and deploying concrete actions.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-flip-box__button elementor-button elementor-size-xs\">\n\t\t\t\t\t\t\tFind out more\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d62d33e e-con-full e-flex e-con e-child\" data-id=\"d62d33e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c29bd3a elementor-flip-box--effect-fade elementor-widget elementor-widget-global elementor-global-7466 elementor-global-3015 elementor-widget-flip-box\" data-id=\"c29bd3a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__image\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Packaging-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-232\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Packaging-150x150.png 150w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Packaging-300x300.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Packaging.png 373w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tMarketing &amp; Packaging\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<a class=\"elementor-flip-box__layer elementor-flip-box__back\" href=\"https:\/\/cristal-decisions.com\/en\/marketing-packaging\/\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tWe provide technical, financial, and organizational solutions to secure, after a cost audit, competitive market prices while ensuring the quality of each service your company engages in.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-flip-box__button elementor-button elementor-size-xs\">\n\t\t\t\t\t\t\tFind out more\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fc12d5d e-con-full e-flex e-con e-child\" data-id=\"fc12d5d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b73c4f1 elementor-flip-box--effect-fade elementor-widget elementor-widget-global elementor-global-7464 elementor-global-3018 elementor-widget-flip-box\" data-id=\"b73c4f1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__image\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Flotte-automobile-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-246\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Flotte-automobile-150x150.png 150w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Flotte-automobile-300x300.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Flotte-automobile.png 373w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tMobility\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<a class=\"elementor-flip-box__layer elementor-flip-box__back\" href=\"https:\/\/cristal-decisions.com\/en\/mobility\/\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tOptimizing your vehicle fleet is essential to address your company\u2019s financial challenges and CSR policies. We consider your economic, environmental, and social constraints to provide tailored solutions.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-flip-box__button elementor-button elementor-size-xs\">\n\t\t\t\t\t\t\tFind out more\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e117415 e-con-full e-flex e-con e-child\" data-id=\"e117415\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b36effc elementor-flip-box--effect-fade elementor-widget elementor-widget-global elementor-global-7189 elementor-global-3021 elementor-widget-flip-box\" data-id=\"b36effc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"flip-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-flip-box\" tabindex=\"0\">\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__front\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__image\">\n\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"150\" height=\"150\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Performance-achats-150x150.png\" class=\"attachment-thumbnail size-thumbnail wp-image-248\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Performance-achats-150x150.png 150w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Performance-achats-300x300.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/10\/Performance-achats.png 373w\" sizes=\"(max-width: 150px) 100vw, 150px\" \/>\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-flip-box__layer__title\">\n\t\t\t\t\t\t\t\tProcurement Performance\t\t\t\t\t\t\t<\/h3>\n\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t\t<div class=\"elementor-flip-box__layer elementor-flip-box__back\">\n\t\t\t<div class=\"elementor-flip-box__layer__overlay\">\n\t\t\t\t<div class=\"elementor-flip-box__layer__inner\">\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-flip-box__layer__description\">\n\t\t\t\t\t\t\tWe transform and optimise all categories of procurement within your company by considering how to improve the organisation of the supply chain and enhance purchasing processes.\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\n\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-88af370 e-con-full e-flex e-con e-parent\" data-id=\"88af370\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-be7c297 e-con-full e-flex e-con e-child\" data-id=\"be7c297\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-46291ee elementor-widget elementor-widget-heading\" data-id=\"46291ee\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Our locations<\/h3>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3387e59 e-flex e-con-boxed e-con e-child\" data-id=\"3387e59\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-b048638 e-con-full e-flex e-con e-child\" data-id=\"b048638\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa6f325 elementor-widget elementor-widget-image\" data-id=\"aa6f325\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"593\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Paris-Cristal-ob.png\" class=\"attachment-large size-large wp-image-6946\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Paris-Cristal-ob.png 1024w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Paris-Cristal-ob-300x222.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Paris-Cristal-ob-768x569.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a98f156 elementor-widget elementor-widget-heading\" data-id=\"a98f156\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Paris<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ef8443d e-con-full e-flex e-con e-child\" data-id=\"ef8443d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-db37713 elementor-widget elementor-widget-image\" data-id=\"db37713\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"593\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Lille-Cristal-ob.png\" class=\"attachment-large size-large wp-image-6932\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Lille-Cristal-ob.png 1024w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Lille-Cristal-ob-300x222.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Lille-Cristal-ob-768x569.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a42445 elementor-widget elementor-widget-heading\" data-id=\"1a42445\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Lille<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-28b683d e-con-full e-flex e-con e-child\" data-id=\"28b683d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d83c4bd elementor-widget elementor-widget-image\" data-id=\"d83c4bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"593\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Lyon-Cristal-ob.png\" class=\"attachment-large size-large wp-image-6933\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Lyon-Cristal-ob.png 1024w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Lyon-Cristal-ob-300x222.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Lyon-Cristal-ob-768x569.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e8e677 elementor-widget elementor-widget-heading\" data-id=\"4e8e677\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Lyon<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-609451e e-con-full e-flex e-con e-child\" data-id=\"609451e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-df622be elementor-widget elementor-widget-image\" data-id=\"df622be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"593\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Aix-Cristal-ob.png\" class=\"attachment-large size-large wp-image-6947\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Aix-Cristal-ob.png 1024w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Aix-Cristal-ob-300x222.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Aix-Cristal-ob-768x569.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a422c4 elementor-widget elementor-widget-heading\" data-id=\"9a422c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Aix<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a14e4b e-con-full e-flex e-con e-child\" data-id=\"1a14e4b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-abfe2a5 elementor-widget elementor-widget-image\" data-id=\"abfe2a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"593\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Rennes-Cristal-ob.png\" class=\"attachment-large size-large wp-image-6949\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Rennes-Cristal-ob.png 1024w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Rennes-Cristal-ob-300x222.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2022\/11\/Rennes-Cristal-ob-768x569.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49227df elementor-widget elementor-widget-heading\" data-id=\"49227df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Rennes<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8351096 e-con-full e-flex e-con e-child\" data-id=\"8351096\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38d13eb elementor-widget elementor-widget-image\" data-id=\"38d13eb\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"593\" src=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2025\/04\/Bruxelles-Cristal-ob.png\" class=\"attachment-large size-large wp-image-7108\" alt=\"\" srcset=\"https:\/\/cristal-decisions.com\/wp-content\/uploads\/2025\/04\/Bruxelles-Cristal-ob.png 1024w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2025\/04\/Bruxelles-Cristal-ob-300x222.png 300w, https:\/\/cristal-decisions.com\/wp-content\/uploads\/2025\/04\/Bruxelles-Cristal-ob-768x569.png 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5e1de1c elementor-widget elementor-widget-heading\" data-id=\"5e1de1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Brusells<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Life and healthcare insurance Protect your company&#8217;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 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6967,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_seopress_robots_primary_cat":"","_seopress_titles_title":"Life and healthcare insurance \u2013 Cristal Decisions","_seopress_titles_desc":"Optimize your health and life insurance contracts with Cristal Decisions, experts in personal insurance and employee benefits.","_seopress_robots_index":"","footnotes":""},"class_list":["post-7236","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/cristal-decisions.com\/en\/wp-json\/wp\/v2\/pages\/7236","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/cristal-decisions.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/cristal-decisions.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/cristal-decisions.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/cristal-decisions.com\/en\/wp-json\/wp\/v2\/comments?post=7236"}],"version-history":[{"count":0,"href":"https:\/\/cristal-decisions.com\/en\/wp-json\/wp\/v2\/pages\/7236\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/cristal-decisions.com\/en\/wp-json\/wp\/v2\/media\/6967"}],"wp:attachment":[{"href":"https:\/\/cristal-decisions.com\/en\/wp-json\/wp\/v2\/media?parent=7236"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}