CONTRIBUTING TO THE SOCIAL SAFETY NET Increased life expectancy, question marks over the funding of pensions, the economic crisis and new vulnerabilities are testing the limits of traditional welfare systems and creating new protection, prevention and support needs. We are working harder than ever with partner mutual insurers and employee benefits institutions to provide life-long support to insureds.
A Chief Digital Officer was appointed to lead and accelerate CNP Assurances’s DIGITAL TRANSITION.
15 days normally, or to ask for a second medical opinion on-line from a recognized expert. In this way, insureds will enjoy a seamless customer experience. Patients are consumers in a hurry, who want to access services intuitively, immediately and interactively. The 100%-digital Lyfe.fr platform is designed to meet this challenge.
Is CNP Assurances making the digital transition? More than anything, policyholders are consumers and citizens for whom speed is of the essence. The Lyfe.fr digital platform responds to this need for immediacy. It will also help us to better understand our policyholders’ expectations and refine our solutions.
*Personal risk, health, term creditor and property & casualty insurance 2.9 million holders of savings and pensions contracts 5 million micro-savings contracts sold since their launch in 2000.
HELPING BRAZILIANS TO FULFIL THEIR ASPIRATIONS: A HOME AND HEALTHCARE Brazilians’ number one dream is to own their home. Caixa Seguradora is helping 4.7 million of them to fulfil this dream. Having a health plan is also high on their wish-list, ahead of owning a car. One of the highlights of 2014 was the acquisition of Tempo Dental, giving Caixa Seguradora access to a vast network of dental health professionals and a portfolio of some 600,000 customers. The potential market is very large, given that over 20 million Brazilians have never visited a dentist. Caixa Seguradora is in a position to meet their needs by offering a high quality service at an affordable price throughout the country. The acquisition of Tempo Dental has lifted the Group to a position among Brazil’s top five providers of dental insurance, by strengthening its dedicated healthcare platform, Caixa Seguros Saúde.
Chief Executive Officer • Caisse des dépôts et consignations, represented by Pierre-René Lemas
A LOYAL SHAREHOLDER BASE Together, Caisse des Dépôts, the French State and Sopassure (holding company for La Banque Postale and BPCE’s interests) hold over 78% of CNP Assurances’s capital. The other 22% is held by institutional investors, around 140,000 retail investors and Group employees.
CNP Assurances share performance compared with the CAC 40 and insurance stocks from the IPO on 6 October 1998 to 20 February 2015*
Outlook for 2015 Ready to serve the wealth management market In January, a new version of Cachemire Patrimoine was launched, with a Eurocroissance fund due to be added before the end of the year. A new Vie Génération contract was also introduced, distributed exclusively through La Banque Postale’s 80 wealth managers.
25.6% growth in personal risk/protection* premiums and high margins on pension/savings products thanks to the inclusion of death/disability cover. The World Cup and the elections slowed the economy but the Brazilian subsidiary continued to flourish. * Like-for-like
Magali Noé, CNP Assurances’s Chief Digital Officer “Digitalisation of consumer spending methods and relations is accelerating, leading to radically changed expectations in terms of immediacy, ease of use, service personalisation, information sharing and also confidence. The insurance market is affected in the same way as other markets. Our customers are changing and so are our employees. It’s vital for CNP Assurances to make the digital transition, if we want to compete effectively in the market. And it’s also essential to bring all employees with us in this adventure, to drive greater creativeness and agility. The customer experience goes hand-in-hand with the employee experience. CNP Assurances’s digital transformation will be a collective and collaborative process. And the same goes for its success.“
The world is changing, crises are becoming commonplace, inequalities are deepening. CNP Assurances is working to promote equal access to healthcare and to help everyone enjoy greater well-being.