Group insurance: a tailor-made range of products offering benefits for you and your employees

Company executives must comply with a number of legal obligations with respect to providing social protection to employees, as well as constraints imposed as part of collective bargaining agreements, breaches of which could harm the company.

In a fiercely competitive market, with generally standardised levels of cover and prices, our personalised approach to group insurance policies and flexible products mean you can tailor our solutions to your needs and the requirements of national collective agreements and industry-wide agreements.
It is essential to conduct an in-depth analysis of your company’s situation in order to put in place solutions that perfectly suit your needs, including the regulatory constraints that apply to your activity, the situation of your employees and the financing capacity of your company.

Your insurance broker is on hand to securely provide the information and support you need when taking out group employee insurance.

Your obligations

Since 1 January 2016, every employer in France must provide their employees with complementary health insurance (French law n°2013-504 of 14 June 2013). Group complementary health insurance solutions enable you to offer your employees appropriate healthcare coverage (including more favourable direct settlement system and negotiated rates for dental and eye care). You can choose from a variety of solutions formulae to find the right one for your company’s specific needs.

Group protection insurance covers every employee against lost income due to being unfit to work, either temporarily or definitively, and guarantees a benefit is paid to the named next of kin in the event of death. It also includes additional support beyond that provided by standard social security, via the payment of compensation, annuities or a lump sum.

Group insurance is not compulsory apart from for managers in accordance with the company’s collective agreements or if there is an industry-wide agreement in place.

Tax-efficient solutions for your company

In addition to the legal aspects, taking out mandatory group health and/or protection insurance for your employees allows you to benefit from real advantages in terms of tax and social security charges:

• Social security: exemption from social security contributions, reduced employer contribution for companies with more than 10 employees;
• Tax: employer and employee contributions deductible from corporate income tax.

A policy that benefits your employees

The decision to implement any complementary cover represents a key step in a company’s development to improve employee well-being.

It boosts motivation, employee retention and dialogue with employee representatives within your company.

Moreover, your employees can in the majority of cases benefit from a “group” rate that is more attractive than the contributions they would be required to make if they were to have taken out the policy individually, thanks to the company’s financial contribution.

MMA services

MMA also offers inclusive or optional services to meet the needs of employees and your company.

By default, all MMA group insurance policies include a range of services for employees and their dependants.

In health insurance, employees enjoy all the benefits of the Santéclair platform, including unlimited virtual consultations, a network of care providers at preferential rates, symptom checker, coaching, health assessments, second opinions and more.
They also have access to support services in the event of an accident, illness or hospitalisation, such as domestic help, childcare and shopping deliveries.
They also benefit from MMA Soutien, a support platform for policyholders in difficulty, providing information, advice and follow-up assistance to ensure optimum care.
Finally, they can also benefit from specific services such as the escape game to raise awareness about addictions, vision and hearing tests, and more.

In addition to support services and MMA Soutien, policyholders can also get help with returning to work if they are off work for an extended period.

As an optional extra, we offer services to meet the specific needs of your company or employees, particularly in terms of prevention. Get in touch now so that we can look into the best solutions for you.