Article published in Insurance Inside n°16 - Decembre 2019
Solutions adapted to your business needs
Standard insurance and pension products are not suitable for all companies. Specific needs sometimes require tailor-made solutions. If you cannot find them on the market, you can rely on Swiss Risk & Care to create them. Examples
In 2017, Switzerland had nearly 590,000 businesses*. Whatever their field of activity, size or age, these companies have many aspects in common. They all have invested capital, one or more employees and the desire to differentiate themselves from their competitors. It is differences such as lower prices, higher quality and proven value that drive consumers to buy a particular product or service. The employees who work there, the organization and social benefits are also differentiating factors.
Each company is therefore unique and does not always find a good solution in terms of insurance and pensions, two areas which are stagnant, with standard products. Swiss Risk & Care, as an independent broker, is able to meet the specific needs of its customers, somtimes going off the beaten track, sometimes creating comprehensive solutions. Proof in 3 examples.
Example 1: the creation of group policies
Group policies covering medical expenses are one of the techniques used by companies to increase their attractiveness for both current and future employees. «Depending on the needs of the various categories of staff - employees, cross-border workers, expatriates, impatriates - healthcare coverage must be created from scratch» says Richard Racine, Managing Director of Swiss Risk & Care. «We design different varieties of coverage and then negotiate with the health insurance companies. The risk is placed with the insurer, who will then manage the policies and set the premiums. This service is also combined with a unique after-sales service, more serious than Omar and Fred’s one, smiles Richard Racine. A caredesk, made up of specialists in health insurance, provides support to the customers in place of the insurer, and in 5 languages.»
Example 2: special clauses
Certain special clauses, particularly in the context of group agreements, are very difficult to obtain from a health insurers. This is the case for exclusive coverage - insurers are prohibited from offering them to other customers - and even vested benefits. «Employees of international organizations, for example, may have to change their status during their career. They need the guarantee of being able to go from one healthcare solution to another without a medical form, explains Racine. It is our job as a broker to obtain these benefits, if it is the wish of the client.»
Example 3: integral management for third parties
«In order to bid for a public contract, we spent a year developing a compu- ter management application and fully conceptualized an external service for the reimbursement of medical expenses for migrants. This was an investment that we had decided to make, and with good reason as we won the contract, says Anabela Melancia, Director of the Claims Caredesk at Swiss Risk & Care.Our department has been operating as a real health insurance fund serving a number of clients for 15 years now. We provide security to all stakeholders, but particularly to our agents who are tasked with insuring the clientele they look after using our rigorous management services.»
*Source : Statistique structurelle des entreprises STATENT, 22.08.2019