Your broker advisor, a lever for social commitment and performance

The generic role of a manager/broker/adviser in health and provident expenses is to support companies in optimizing their social protection (health and provident). They also work with employees to inform them, raise their awareness of existing cover and offer them digital solutions to simplify reimbursement management and access to associated services (teleconsultation, third-party payment, etc.).

Operational support to relieve HR teams

It is often these two main missions - administrative management (employee enrolment, dispensation management, data updating...) and day-to-day support, particularly in the event of disputes or difficulties (reimbursements not made, claims not properly covered) - that are the most visible and the most valued. They are directly linked to the employee experience, and have a strong influence on employee satisfaction.

The HR consulting broker becomes a local operational contact, guaranteeing a fluid, responsive relationship between employees, HR and insurers.

Broker advisors play a key role in legal and regulatory compliance

Of course, this support is part and parcel of legal and regulatory compliance, which is essential to ensure that the contracts in place meet current legal obligations and their many evolutions. The manager-broker-advisor provides this regulatory watch, essential for anticipating changes.

Expertise at the service of economic performance

The broker-consultant 's support is also essential when it comes tofinancial optimization. He or she puts several insurers in competition to find the best cover at the best price, while taking into account the budgetary and regulatory constraints specific to each company. He can also identify savings levers by adjusting coverage, or assess the tax and social benefits associated with the introduction of certain schemes (such as exemptions on employer contributions under group schemes).

This financial expertise is more essential than ever at a time when the applicable rules are undergoing profound changes, which will not be without consequences:

• In terms of provident insurance and work stoppages, with the lowering of the ceiling on daily social security benefits (IJSS) from April 1, 2025.
• Or the new practices of the CPAM for extending work stoppages to include weekends or public holidays .
• As in the case of healthcare costs, in particular with theincrease in medical deductibles since last year, and the improved coverage of several important schemes.

A strategic partner at the heart of HR policy

But beyond these technical aspects, the main mission of the consulting broker, working alongside HR departments, is to know his customer perfectly: his size, his sector of activity, the profile of his employees and their dependents. This enables them to make an exhaustive assessment of the social protection situation (health, provident, disability, death, work incapacity, etc.), identify specific needs, propose suitable schemes, select the most appropriate contracts, and ensure regular follow-up. This ensures a perfect match between the company's needs and the cover in place - even in the event of change (new employees, restructuring, mergers, etc.).

Broker advisors also play a key role in enhancing the value of Total Rewards

So if your broker acts initially as a service provider, he or she can simplify the management of your health and provident expenses. At the same time, he or she optimizes the coverage that best meets your needs, while respecting your legal obligations and budgetary constraints. Above all, it is a strategic partner.

A partner who supports you in thedaily engagement of your talents throughout their life cycle and employee experience, enabling you to maximize the perceived value of your Total Rewards package, whatever it may be, over the long term.

How about a responsible commitment?

That's why, for this essential mission, you might as well make a commitment you can trust... to a company with a mission!