Tailored to the needs, budgets and lifestyles of individual web users and facilitating the funding of alternative treatments: the new healthcare offering marketed by BNP Paribas Cardif via assurance-sante.cardif.fr is different, because it focuses on wellbeing. Here's how it works…

Tailored health cover for every situation
As the Social Security system delists more and more types of medication and treatment, complimentary health insurance has never been more important. So BNP Paribas Cardif has designed a health insurance product (assurance-sante.cardif.fr) to meet the expectations of web users for real flexibility. The principle of Cardif Santé – that's the name of this new policy - is to put policyholders at the center of the scheme by letting them build the cover that is right for them. Using a very simple, intuitive calculator, visitors to the website can tailor their insurance to the key areas of healthcare they require and the budget they have available. They then choose from three quotations offered by the website, computed on the basis of an enormous number of possible combinations. This modular concept extends to include eyecare and dental cover to avoid any additional expense. For an even greater level of personalization, web users can choose from a series of ‘smart packs' containing add-on covers to suit their lifestyle. So someone who is a frequent traveler to faraway places may, for example, choose upgraded repatriation cover by selecting the travel pack. On the other hand, a couple with young children may opt for the family pack, which includes a post-natal fitness program backed up by remote supervision provided by a dietetic nutritionist.

Taking care of policyholder wellbeing
As part of responding as effectively as possible to the expectations and lifestyles of today's policyholders, BNP Paribas Cardif health insurance includes alternative therapies, such as osteopathy, phytotherapy and acupuncture, in almost every case. Since these treatments are undeniably popular, BNP Paribas Cardif saw it as essential to offer web users high-quality cover in these areas of care. Another unusual benefit of this new policy is the medical appointment service it offers. This provides policyholders with the contact details of healthcare professionals close to home, close to work or even in vacation destinations, as well as arranging the earliest-possible appointment. Policyholders can also access this appointments service using a free iPhone and Android app.

Moving towards a new level of expertise in the B to C market
The marketing of Cardif Santé is the second building block in the BNP Paribas Cardif B to C online strategy. The first was put in place a year ago with the launch of the assurance-credit.cardif.fr creditor insurance website, with the goal of making the insurer's globally-respected expertise available to the maximum number of people. This first initiative was implemented against the background of the Lagarde legislation introduced to provide greater choice in creditor insurance. The launch of assurance-sante.cardif.fr continues this wider commitment to support web users in achieving their plans and meeting their fundamental needs.