The 2013/03/14 at 10:29
Axa Entreprises offers insurance solutions for company managers, employees, or companies themselves. "We offer companies insurance coverage for any damage they may suffer, for example following a fire, or possible damage caused to third parties, in other words, civil liability. As far as company heads and employees are concerned, our offer includes solutions in five main categories: provident insurance (in the case of death, disability or work incapacity), health, long-term care insurance, pensions, and employee savings plans," indicates Jad Ariss, General Manager of Axa Entreprises, Axa's entity in France in charge of insurance for VSEs, SMEs and medium-sized businesses.
There are a few statistics worth noting. In France, for every four working persons there was one retiree in 1975, today there is 1.4 working person per retiree. This alarming state of affairs makes the validity of France's distribution-based pension schemes all the more doubtful as the tendency towards fewer workers per retirees continues. "In ten years' time, there will only be one worker per retiree," emphasises Jad Ariss, "Distribution-based systems will no longer suffice to meet the pension needs of French people. This is why company heads need to turn their minds to the matter today."
Only one company out of four has introduced complementary pension solutions for company managers and employees. Two types of complementary collective pension solutions can be found on the market: either the monthly contribution is defined with the company head, adding up to an annuity granted upon retirement, or else the level of the annuity collectable upon cessation of activity is determined with the company head, and the monthly contribution is calculated to reach this sum is accordingly calculated. The two solutions may be cumulative. Axa's offer in this domain stands out for a number of reasons. "It is flexible for the company head as well as for the employees. Everyone is free to select their financial management and the type of annuity payable on the retirement date, for example a life annuity that is payable to the spouse. The company can also choose supplementary options for employees, such as guarantees in the event of death or work incapacity," explains Sylvain Girerd, Sales Manager for Collective Offers at Axa Entreprises.
Personalised support and close-range follow-up by Axa France's network of general agents is one major strength of the group, as well as certain supplementary services such as pension coaching, allowing retirees to benefit from assistance in calculating the sum of pensions from compulsory schemes.
Axa Entreprises has also launched online tools available to company heads and employees. "Following a survey carried out amongst company heads, we noticed that they regarded access to Internet services to be a particularly important element. This observation has led us to provide this type of solution. For example, the possibility of registering or deregistering a vehicle from its automobile fleet, thus giving it insurance coverage, directly on Internet, without having to go through the insurance company, is a highly appreciated option due to the time savings it allows. The same goes for the follow-up of the payment of damage claims," explains Jad Ariss.
This flexibility also extends to the health coverage of employees who, following the flow of recruitments and resignations, can directly sign up or leave the health insurance programme subscribed to by the company. Employees also have the option of following up, from day to day, the evolution of their health claim reimbursements, and can carry out simulations to better manage their expenses in this domain.
"Innovation via extra services of this type is an asset that sets us apart from the competition," specifies Jad Ariss. Prevention is also part of the specific solutions on offer. "We have elaborated a number of prevention charters that we deploy in companies with the aim of reducing the frequency or seriousness of accidents. These are simple pedagogical tools, presenting three to ten points, focusing on specific risks. One of these charters is on the risk of fire and commonsense steps to follow to reduce risk in this domain. Others look at automobile fleet management, or civil liability," he illustrates.
This aspect of the offer is especially aimed at SMEs that may not always be aware of operations to implement for maximum protection. Another service specifically for SMEs is assistance in the event of a major crisis. "When an accident occurs, it is essential to support the head of the company in question, namely for the ensuing crisis management. We offer, in such cases, the intervention of a communications adviser to help manage the media impact of the problem," explains Jad Ariss. Precious support, given that one company out of two, in such situations, is forced to close its doors forever.
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