“Digital will revolutionize supplementary social protection” – press release

Talk of a digital revolution in social protection is no longer hyperbole. Just look at the upheavals that, over the last ten years, have affected commerce, work, information, travel, education and, more generally, the daily lives of the French.

Supplementary social protection seems to have slipped through the cracks. This won’t be the case for much longer. At the very least, the Internet, Smartphones and Big Data will enable a new, simpler, more direct, immediate and transparent relationship to emerge between the insured and their complementary health insurance. Without being a soothsayer, we can predict that this digitalization will be a revolution for supplementary social protection, as it has been for other sectors. Gerep has joined the movement with the launch of its new Iris insurance space.

Connected policyholders who know their stuff

The Iris space offers connected policyholders new possibilities: they can access all the information concerning their supplementary health insurance, manage their contract online, send documents to their manager and, thanks to a simple photo taken with their Smartphone, take their cover with them wherever they go.

These small details will change everything. Through ease of use and access to information, they will give all policyholders control over their supplementary health insurance and healthcare expenditure. Today’s policyholders are passive beneficiaries of this social benefit, but they will become more informed, responsible and demanding players. Once policyholders have a clear opinion on their supplementary health insurance, it will no doubt be difficult to ignore it…

A step towards customized guarantees

Complementary health insurance combines risk pooling and the tailoring of cover to customer needs. The Iris space offers a fantastic opportunity to go even further in personalizing services. For example, with the new regulations governing responsible contracts, many policyholders are tempted to take out supplementary insurance to top up their coverage. Being able to do this online, freely, easily and in just a few clicks, without cumbersome administrative formalities, but with access to all the information, is a profound change in the way people relate to their supplementary health insurance… while we wait for new levels of contract personalization, with the online purchase of options.

Simplicity that liberates

This leap into digitalization is part of a wider movement to modernize the administrative management of companies. Interacting with the DSN (Déclaration sociale nominative), policyholders will benefit from simplified registration with pre-filled data, the ability to manage affiliations, add beneficiaries and download supporting documents such as school certificates. Better still, they will be able to manage their portability rights differently, by receiving notifications and downloading supporting documents. What we had denounced as at best a headache, at worst an enigma, for employers and policyholders alike, is now, thanks to an application, completely bearable and, in fact, applicable.

In the end, simplifying usage means giving policyholders more comfort and more rights. Paraphrasing a Moulinex advertisement from another age, we could say: the digitalization of supplementary social protection frees policyholders.