Affiliated provident societies and mutual insurance companies

The Health and Death/Disability insurance collectives are highly strategic high-value markets for which we have chosen to draw on the expertise of two recognised players: APGIS and SMI.




APGIS : social protection for branches and key accounts

APGIS, which was created in 1975 and has been affiliated to the Covéa group since October 2011, is a joint death/disability insurance institution. Approved by the French Social Security Code, it insures and manages corporate and employee health and death/disability insurance protection.

Its 300 employees are responsible for the collective schemes taken out by companies on behalf of their employees for health and death/disability expenses: death (death capital), education income, spousal income, cessation of work and invalidity.

APGIS has recognised legitimacy within the occupational fields, with 12 sectoral insurance agreements (the schemes are the result of negotiations between social partners under collective agreements).

Its professionalism is also evident with key accounts such as Carrefour, Sanofi, JC Decaux, AFPA, etc.

APGIS contributes greatly to our collective social protection development through its singular model :

  • MAAF and MMA distribute standard products that are jointly insured and managed by APGIS (“Façonnables” (Fashionable) for MAAF, and “Affipro” for MMA), thereby building up fire, accident and sundry risk customer loyalty ;
  • APGIS relies on the MAAF and MMA networks to address companies in its recommended fields ;
  • it also pursues its own growth.


Therefore, APGIS aligns its strategy with that of the Covéa Group while also managing its own growth and investments. It is driven by strong values : co-determination, paying close attention to its customers and solidarity.




SMI : mutual above all

SMI (the Interprofessional Mutual Insurance Company), which was created in 1926 and has been a Covéa Group affiliate since 2013, is a mutual insurance company with 194 employees and specialises in providing collective personal insurance.

SMI offers a wide range of Health, Death/Disability, Savings, Pension and Dependent insurance products and protects 664,000 people, directly or under licence. It also insures several professional fields.

SMI has been a supplementary health insurance provider for more than 80 years, carries out death/disability and mutual assistance actions and provides personal risk prevention and protection in line with its mutual insurance model..

For Covéa, SMI helps to control health expenses and management fees, notably through its desire to make everyone a health player. This is a particularly precious asset in controlling the social security deficit.



SMI adopts a specialist custom approach to creating a personalised and upgradable collective scheme for each subscribing company.

 

Find out more



Key figures at 31 December 2017

  • 0
    companies
    with APGIS policies
  • 0
    companies
    with SMI policies
  • 0
    million euros
    of turnover recorded by APGIS
  • 0
    million euros
    of turnover recorded by SMI
  • 0
    people
    protected by APGIS
  • 0
    people
    protected by SMI



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