{"id":1550,"date":"2008-12-17T00:00:00","date_gmt":"2008-12-16T22:00:00","guid":{"rendered":"https:\/\/www.gereso.com\/actualites\/2008\/12\/les-mutuelles-a-lepreuve-du-contrat-obligatoire\/"},"modified":"2008-12-17T00:00:00","modified_gmt":"2008-12-16T22:00:00","slug":"les-mutuelles-a-lepreuve-du-contrat-obligatoire","status":"publish","type":"post","link":"https:\/\/www.gereso.com\/actualites\/2008\/12\/17\/les-mutuelles-a-lepreuve-du-contrat-obligatoire\/","title":{"rendered":"Les mutuelles \u00e0 l&#039;\u00e9preuve du contrat obligatoire"},"content":{"rendered":"<p>Applicable au 1er janvier 2009, la loi Fillon qui accorde <span style=\"font-weight: bold;\">des exon\u00e9rations fiscales et sociales <\/span>aux seuls contrats de couverture sant\u00e9 \u00e0 adh\u00e9sion obligatoire dans lesentreprises met une forte pression sur les mutuelles de sant\u00e9.Celles-ci, en effet, sont historiquement <span style=\"font-weight: bold;\">plus tourn\u00e9es vers les contrats individuels ou les contrats collectifs \u00e0 adh\u00e9sion facultative<\/span> que leurs concurrents, les assureurs et les institutions de pr\u00e9voyance (IP).<\/p>\n<p>Dans les cinq derni\u00e8res ann\u00e9es, <span style=\"font-weight: bold;\">les assureurs ont gagn\u00e9 des parts de march\u00e9 (+6 %) dans le collectif<\/span> tandis que <span style=\"font-weight: bold;\">mutuelles et institutions de pr\u00e9voyance r\u00e9gressaient de 3 % chacun.<\/span>\u00a0 D&rsquo;o\u00f9 un univers qui se r\u00e9partit actuellement entre <span style=\"font-weight: bold;\">institutions de pr\u00e9voyance (41 %), mutuelles (36 %) et assureurs (29 %).<\/span><br \/>\u00a0\u00a0\u00a0 <br \/>Dans ce contexte, quelles sont les strat\u00e9gies des mutuelles de sant\u00e9 pour <span style=\"font-weight: bold;\">se maintenir dans les entreprises et remporter des appels d&rsquo;offres&nbsp;? <\/span><\/p>\n<p>D&rsquo;abord, \u00ab il y en a <span style=\"font-weight: bold;\">un certain nombre qui se sont mises \u00e0 travailler avec des courtiers <\/span>defa\u00e7on \u00e0 optimiser le contact commercial avec les entreprises \u00bb, noteMathias Matallah, pr\u00e9sident du cabinet de conseil Jalma, sp\u00e9cialis\u00e9 enassurance sant\u00e9. <\/p>\n<p>Ensuite, en cas d&rsquo;appel d&rsquo;offre, on en a vu <span style=\"font-weight: bold;\">se faire assister par des cabinets de consultants, <\/span>ce qui constituait une petite r\u00e9volution dans cet univers.<\/p>\n<p>Pour beaucoup de mutuelles la strat\u00e9gie la plus efficace passe par <span style=\"font-weight: bold;\">des alliances et des partenariats, <\/span>pr\u00e9cis\u00e9mentavec des institutions de pr\u00e9voyance. Dans cette optique, nombre demutuelles travaillent aussi avec l&rsquo;UNPMF, l&rsquo;op\u00e9rateur pr\u00e9voyance de laMutualit\u00e9 fran\u00e7aise.<\/p>\n<p>Les mutuelles d&rsquo;entreprise se sont aussi organis\u00e9es pour affronter la concurrence. Vingt-trois d&rsquo;entre elles ont cr\u00e9\u00e9, en 2008, <span style=\"font-weight: bold;\">une union de groupes mutualistes baptis\u00e9e Agrume<\/span>, pour \u00eatre mieux arm\u00e9es logistiquement et financi\u00e8rement dans cette bataille.<br \/> <strong><br \/> <span style=\"font-style: italic; font-weight: normal;\">Auteur : Emmanuelle Heidsieck<\/span><\/strong><br \/>Source : miroirsocial.com<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Applicable au 1er janvier 2009, la loi Fillon qui accorde des exon\u00e9rations fiscales et sociales aux seuls contrats de couverture sant\u00e9 \u00e0 adh\u00e9sion obligatoire dans lesentreprises met une forte pression sur les mutuelles de sant\u00e9.Celles-ci, en effet, sont historiquement plus tourn\u00e9es vers les contrats individuels ou les contrats collectifs \u00e0 adh\u00e9sion facultative que leurs concurrents, [&hellip;]<\/p>\n","protected":false},"author":32,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_mi_skip_tracking":false,"footnotes":""},"categories":[4],"tags":[],"class_list":["post-1550","post","type-post","status-publish","format-standard","hentry","category-retraite-et-protection-sociale"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - 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