A personalized offering, with reimbursement for alternative therapies and an e-concierge service.

Each client has very specific, personal health needs. People who wear glasses will be more concerned about vision care coverage, while families would be more focused on dental care. To specifically address these expectations, www.assurance-santé.cardif.fr allows each person to construct his or her own health insurance package. With input throughout the selection process, people can choose a plan in which each aspect of healthcare²; is tailored to their specific needs, with five coverage levels.

Cardif Santé takes personalization to another level, by allowing future clients to opt out of vision or dental care coverage if desired, thus avoiding extra expenses.

In addition to the usual extended third-party payment options³; and reimbursement within 48 hours, this new insurance is focused on "wellness".
It reimburses fees for alternative therapies⁴ (phytotherapy, osteopathy, chiropractic, acupuncture, etc.), up to €250/year.

Regardless of the coverage level chosen, Cardif Santé includes an e-concierge service to help manage medical appointments and overall wellness.
Clients send in the times they and their family members are available (via the Smartphone application or by telephone), and the e-concierge takes charge of scheduling appointments with healthcare and wellness professionals.

Personalize your insurance according to your lifestyle, with three "smart packs"

The “smart packs”⁵ are another of the personalized advantages available through Cardif Santé, giving clients a choice of three packs to cover their specific needs:

• "pack tribu" (family pack), including a post-partum fitness program for new mothers, as well as remote monitoring by a qualified dietician/nutritionist.
• "pack voyage" (travel pack), an extended assistance service, in case of unexpected events during trips in France or abroad.
• "pack hospi" (hospital pack), offering a range of in-home services following hospitalization or immobilization.

An intuitive site with three methods to find the best healthcare coverage

To make it easier to take out a personalized healthcare insurance policy, the www.assurance-sante.cardif.fr site offers three intuitive methods:

• A healthcare simulator, to estimate needs in four areas (routine care, hospitalization, dental and vision care), and to see the plans that best match each person's needs.  
• Search by budget, to assess the health services and coverage available for a given monthly amount set by the client.
• Search by profile, to consult, for example, different plans adapted to persons living alone, couples, families with children, seniors or non-salaried workers.

Healthcare services for an online world

Sales of smartphones jumped 33% in France in 2011⁶, which is why Cardif Santé was also designed from the outset for mobile users. For example, Cardif has developed a multifunction platform (for both Android & iPhone).

Offered free of charge⁷ and focused on healthcare, this smartphone  application features a range of very practical services:

• "Pill box", to schedule daily medications for the entire family. 
• Healthcare directory, enabling users to group all of their own healthcare contacts in a single directory. 
• The e-concierge healthcare and wellness service.

The application is available from early February from the App Store and Android Market.

¹ According to a study carried out for BNP Paribas Cardif at the end of 2009
² Routine care, hospitalization, vision and dental care
³ Extended third-party payment: extended waiver of immediate payment to healthcare providers
⁴ Available from the second coverage level
⁵ Offered on option in the policy
⁶ Source: Le Figaro – Sept. 2011
⁷ The healthcare directory and pill box are free of charge and available to anyone. The e-concierge service does not entail any additional cost for persons having subscribed to the product.