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

As an employer, you have certain legal obligations concerning welfare protection for your employees. You may also have responsibilities under a national collective agreement or industry-wide agreement. Failure to meet your obligations could put your company at risk.

In a fiercely competitive market, with increasingly standardised levels of cover and prices, we take a personalised approach to group insurance policies and offer flexible products to meet your requirements and enable you to comply with your national collective agreements and industry-wide agreements.

To provide a solution perfectly tailored to your needs, it is essential to carry out a detailed analysis of your company’s precise situation: the regulations governing your sector, your employees’ circumstances and the amount your company can invest.

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

Your obligations

Since 1 January 2016, all employers have been required to offer top-up health insurance to their employees (under French law 2013-504 of 14 June 2013). A group health insurance solution is a way of offering your employees the cover they need (with extended direct payment, negotiated tariffs for optical, dental and hearing care, digital services, etc.). You can choose between a variety of solutions to find the right one for your company’s needs.

Group protection insurance provides your employees and their families with enhanced cover if they are temporarily or permanently unable to work for health reasons, or if they die. It supplements the basic state cover by providing benefits, annuities or capital.

You should note that group protection insurance is not compulsory, other than for managers as required by your company’s collective agreement or by an industry-wide agreement, if one is in place. 

Tax-efficient solutions for your company

In addition to the legal angle, the mandatory group health and/or protection solutions bring with them significant advantages for you in terms of tax and social security charge deductions.

These contracts are regulated. If you comply with the criteria laid down in the French ANI law, you qualify for social security and tax advantages, up to set thresholds:

• Social security advantages: social security contribution exemptions and reduced employer contributions for companies with more than 10 employees,
• Tax advantages: corporate-income-tax deductions for employer and employee contributions.

Benefits for your employees

Selecting and putting in place top-up insurance in the interests of employees is a very significant step for your company.

It boosts motivation, employee retention and dialogue with employee representatives.

In addition, in the majority of cases, your financial contribution will give your employees access to “group” rates that are more advantageous than those they are able to access as individuals.

MMA's services

MMA also offers services, as standard or as options, to meet the needs of your employees and your company.

All MMA group insurance solutions include a palette of services for employees and their dependants.

In health insurance, employees enjoy numerous advantages offered by the Santéclair platform, including unlimited virtual consultations, a network of care providers at preferential rates with quality guarantees, a symptom checker, coaching, health assessments, second opinions and more.

Both health and protection insurance include support services in the event of an accident, illness or hospitalisation, such as home helps, childcare and shopping deliveries.

Employees can also access MMA Soutien, a support platform for health and protection policyholders that provides numerous preventive services to help them take care of their health: 

• Informational and educational content via articles, webinars and videos on numerous topics including families, caregivers, working life, disability, etc.
• Screening for various risks: cardiovascular issues, vision problems, hearing difficulties and lifestyle and mental health assessments

In addition, MMA Soutien offers fully confidential individual support delivered by specialists. This service is available to employees and their families experiencing social, family or work issues, and can include financial aid in certain circumstances.

They can also benefit from specific services such as the escape game Addict’town, designed to raise awareness about addiction, vision and hearing tests, and more.

Last but not least, we can add custom services tailored to the specific needs of your employees or your company, in particular in terms of risk prevention. Get in touch today and let’s work together to define the best solutions for you.