The Supplementary Social Protection (PSC) is currently undergoing a major reform, aimed at improving the conditions of coverage for members, particularly within the civil service.

This development has a direct impact on individual contracts offered by mutual insurance companies, encouraging them to adapt to the new situation of the sale of collective contracts.

Let's explore the major changes that this reform introduces, the benefits it brings to mutual fund members and its impact on civil service employees.

Changes for mutual insurance members:

The reform of the Supplementary Social Protection results in significant adjustments for mutual insurance members. First of all, access to collective contracts becomes a priority, offering considerable advantages in terms of rates and guarantees. These contracts, negotiated on a large scale, make it possible to pool risks and obtain more advantageous conditions for policyholders.

In addition, the reform aims to strengthen the transparency of the guarantees offered by mutual insurance companies. Members will benefit from clearer and more detailed information on the coverage offered, thus facilitating the comparison between different offers. Reimbursement ceilings will also be revised upwards, offering more extensive protection against health expenses.

Benefits for civil servants:

Civil servants will be among the main beneficiaries of this reform. By opting for collective contracts, they will benefit from advantageous rates and reinforced guarantees. The pooling of risks within larger groups will make it possible to adjust contributions more fairly, thus promoting access to quality supplementary social protection for all agents.

In addition, the reform emphasizes the adaptability of contracts to the specificities of the different professions within the civil service. This will result in tailor-made guarantees, better adapted to the specific needs of agents, whether it is social security, medical care reimbursements or pension provision.

Adaptation of mutual insurance companies to collective contracts:

Mutual insurance companies that currently offer individual contracts must adapt to this new reality focused on collective contracts. This involves redefining offers to meet the specific needs of member groups, with an emphasis on the personalization of guarantees while benefiting from the economic advantages offered by collective contracts.

Mutuals will also need to strengthen their ability to negotiate with public sector bodies to offer competitive offers. Flexibility and innovation will be the key words to adapt quickly to changes in the supplementary social protection market.

The reform of the Supplementary Social Protection marks an important step in improving the coverage conditions for mutual insurance members, particularly in the civil service. The changes introduced offer significant advantages to agents, while encouraging mutual insurance companies to rethink their offers to align with the trend of collective contracts.

Successful adaptation will enable mutual societies to maintain their relevance in a constantly changing landscape and guarantee optimal social protection for their members.

Contact us to discuss and define your new commercial strategy dedicated to collective contracts.