FRANCE
Rolling out a personalised, fully digital protection insurance solution
“The Solution Prévoyance product is an approach that elevates the expertise of customer relationship managers. Thanks to a personalised diagnostic tool, advisors can give people a detailed explanation of the benefits they can expect from welfare organisations and thus propose a policy tailored to each individual’s situation and needs. The solution has been very well received by customer relationship managers throughout the BNP Paribas branch banking network in France.”
To support business development across the BNP Paribas retail banking network in France, BNP Paribas Cardif launched the personal protection product Solution Prévoyance. This solution is designed to meet growing demand from customers for protection insurance with a simple subscription experience. Thanks to a fully digital journey, it makes the insurance easier to understand and gives customers greater control over their insurance cover, with fees that can be adjusted in real time to meet each policyholder’s specific needs.
Solution Prévoyance provides complete and adjustable coverage, protecting policyholders and their families against unforeseen life events such as job loss or death. Customers have access to both a personalised diagnostic and a range of solutions matched to their needs, along with a policy subscription proposal. This approach makes it easier for people to understand the insurance and add any additional cover they feel is needed given their personal situation.
The journey is 100% digital, self-contained and fluid, enabling advisors to quickly complete the subscription, improving the experience for both the customer and the advisor.
Just months after the launch, Solution Prévoyance has already won over more than 30,000 policyholders with a conversion rate of 30 %, significantly exceeding projections, and a NPS of +54.
FRANCE
Insuring and extending life for mobile devices
In a fiercely competitive market, BNP Paribas Cardif continues to innovate with a new mobile device insurance offer designed to help its partners anchor the loyalty of their customers and extend the life of their phones and tablets.
Innovative guarantees and automatic claims management
Rather than encourage the replacement of electronic devices, this offer is designed to maximise their lifetime, reflecting a growing emphasis on eco-responsibility. Working closely with its partner, Orange, BNP Paribas Cardif includes two new types of guarantees: “breakdown” and “battery” which allows a replacement at no cost as soon as the battery capacity falls below 80% of its original capacity. These two guarantees intervene beyond the commercial warranty and are systematically offered for every new subscription since February 2024.
Fast and intelligent claims management
Thanks to integration of artificial intelligence, four out of ten claims are now approved in just seconds, speeding repairs and simplifying procedures. Customers can also opt to dialogue directly with a claims management agent. Plus, for greater peace of mind, a replacement phone is provided within 24 hours in the event of theft.
4 OUT OF 10 CLAIMS ARE APPROVED IN JUST SECONDS THANKS TO AI
Competitive advantage for partners
These innovations let Orange boost customer loyalty and consolidate their market leadership by meeting the expectations of an ever more demanding clientele.