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 160 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 more than 650,000 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.
Key figures at 31 December 2016
0companieswith APGIS policies
0million eurosof net subscriptions cashed by APGIS
0peopleprotected by APGIS
0companieswith SMI policies
0million eurosof turnover recorded by SMI
0peopleprotected by SMI
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