The energy bulk procurement movement has begun: to cut costs, consumer associations set up pre-contract sign-ups. The goal was to gather as many consumers as possible to then negotiate the best contract (quality/price ratio) with an energy supplier, following a call for bids.
This practice is now spreading to the insurance sector, but unlike the energy sector, where contracts are open to everyone, beneficiaries sometimes have a pre-defined profile: the elderly, low-income families, etc., where municipalities invest heavily in the bulk procurement sector In health insurance, to allow owners to benefit from mutual insurance at a lower cost.
Contrary to what some might think, these insurance contracts negotiated in a group purchase – often the cheapest on the market – are not the least of the guarantees.
“The idea is to negotiate new offers in terms of price, guarantees and quality of service, Luca Bayras, Head of Insurance at Selectra explains. Thanks to the power of numbers, we are able to obtain pre-emptive contracts at competitive prices compared to the primary contracts concluded individually. While soliciting bids, our specifications are clear: accessible pricing, transparent contracts (discounts, ceilings, exclusions for warranties), customer service and management service available, multi-channel and reliable. »
Bed bug guarantee
Contracts with many, and sometimes annoying, exceptions are automatically canceled: for example, there is no question of accepting a housing contract that may refuse to use theft guarantee for a very wide distance between the window bars!
The Association of Families of France was one of the first to offer its members a health insurance contract “in a bundle”. “Usually, the contract price varies with age and region of residence, Explains Arnaud Delpierre, General Manager of Dékuple Assurance, whose contract was chosen. There, we grouped by creating just three different definitions for workers, retirees, and students, regardless of their age and address. The three packages offered are also grouped in terms of guarantees: no overcompensation on glasses or dental care, for example, but different levels of comfort. »
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