PROTECTING WHAT MATTERS
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1 PROTECTING WHAT MATTERS Retirement I Welfare I Health I Savings I Social activities
2 AN ONGOING commitment to our clients JOINT AND MUTUAL and non-profit A social protection group, Humanis operates based on a joint and mutual model that gives the client a voice in the very heart of the company. OUR BUSINESS AREAS Retirement, Welfare, Long-term care, Health, Savings, Social activities OUR VALUES Sharing, Ambition, Commitment OUR MISSION Lifelong protection and support for each individual INDIVIDUALS COMPANIES INDEPENDENTS OUR VISION Helping to build the solutions of tomorrow for responsible and innovative social protection Employees, retirees, students, self-employed, etc. Microbusinesses, mediumsized companies, large companies, professional sectors, voluntary sector, etc. Artisans, shopkeepers, professionals, farmers, etc. w w w Humanis provides each one with a bespoke social protection solution, by combining quality of service, innovation and a local face
3 Personalised solutions: A STRONG AMBITION Supplementary pension: managing, informing and preparing Health: helping each individual to access the best quality care Humanis supports almost one in four private sector employees with their supplementary pension, from calculating and updating entitlements to sending out individual state ments. The Group's supplementary pension institutions manage and ensure pensions are paid to 3 million beneficiaries each month. Humanis is also committed to supporting and advising companies in carrying out their administrative procedures and legal affairs. Complementary individual or employer-sponsored health insurance, Humanis enables all individuals and businesses of all sizes to choose the cover that is best suited to their needs. For fees for optical or dental treatment or even the cost of a stay in hospital, cover is based on basic needs and budget (notably through our networks of partner care providers). Humanis is committed each and every day to supporting its clients through regulatory changes. Digital services Humanis offers all of its clients a comprehensive digital ecosystem: its client extranet available on PC, mobile and tablet, for confidential access to contracts and to enjoy a host of online services (dynamic dashboard, alert system, online messaging, personal advice); its mobile application Humanis Appli-Santé, to view healthcare reimbursements, use a third-party payment card, search for and geolocate a local healthcare professional and/or Humanis branch; as well as quote and online subscription offers. Retirement information meetings and interviews Humanis offers its member companies collective involvement and personal interviews to enable employees to prepare adequately for their retirement. Humanis' involvement has helped to simplify the pension system for people and make it accessible and understandable to all. This presentation also clarif ied many ambiguities by setting the record straight on incorrect information or misunderstandings. Each question asked by the various participants was given a clear answer. The personal interview helped me to estimate the value of my pension at a given time and to understand the laws applicable at that time. Jean-Marie Alguazil, SEA-Bulk 04 05
4 Personalised solutions: A STRONG AMBITION Welfare and long-term care: coping with life's challenges Employee savings and pension: protecting employees' futures Faced with the risks of illness, accident, long-term care or death, Humanis has designed a range of individual and collective welfare services with a two-fold objective: to understand and prevent life's ups and downs and help individuals to cope with them. Humanis offers collective savings solutions to improve retirement income levels, fund projects or deal with the unexpected. The leading joint provider in employee savings, Humanis endeavours to grow employee savings whilst acting responsibly: Modular offers, high cover amounts and competitive rates: Humanis' range of welfare solutions offers the best way of meeting the needs of each individual. g an offer approved by the CIES (Inter-union Employee Savings Committee), g transparent financial management provided by a 100% joint player, g recognised expertise in Socially Responsible Investment (SRI), g independence in its choice of investments. Help for carers In addition to cover for supplementary income benefit payments and assistance services, Humanis has made support for loss of independence a key focus. With, the Group offers a range of structured and scalable services, which aim to meet the needs of employees providing care for a close relative with decreasing independence. For the employee, there are multiple benefits, with the services offered helping limit the risk of stress or depression. For the company that is supporting their employee in this process, the service is preventive as it helps to manage the situation better. " The 1st joint and mutual player to have formalised its responsible investment policy " Green bonds Humanis wants to lead the way when it comes to reducing its carbon footprint through 'green bonds*'. Thus, its 'HGA** Green bonds' fund, created in 2016, helps its savers to play an active role in reducing the carbon levels in its share portfolio as well in funding the fight against global warming, whilst still meeting the requirements of financial return *Green bonds ** Humanis Gestion d Actifs 07
5 SOCIALLY COMMITTED TO SUPPORTING companies and their employees A forward-looking ORGANISATION There for the most vulnerable Humanis' social activities are testament to the Group's commitment to provide its member companies, their employees and retirees with long-term support and assistance through help, support and innovative services. Humanis develops services relating to the quality of life at work, the loss of independence or even for coping with issues such as social disunity, disablement and ageing. Specialist accommodation establishments With the essentiel-autonomie website, Humanis has launched the first portal fully dedicated to independence and long-term care. The services on offer include a search engine for identifying and comparing specialist accommodation establishments. This site also offers simple and immediate solutions: "Essentiel Habitat", "Essentiel Domicile", "Essentiel Ehpad" and "Essentiel Soutien", for helping the infirm and their close relatives. 9 Joint and mutual: distinctive features that make a difference Its system of governance has been designed to represent all of the Group's entities, which include: for supplementary pensions: Humanis Retraite Agirc, Humanis Retraite Arrco, CRE and Ircafex; for personal insurance: Humanis Prévoyance, IPSEC, IP Banques Populaires, Radiance Groupe Humanis Grand Est, Mutuelle Renault, Mutuelle Humanis Nationale and Mutuelle de l Industrie du Pétrole. 9 Flexible and innovative: a federal, multi-affinity and network organisation Developing synergies, strengthening solidarity: the structure of the Humanis group enables it to meet its members' different needs whilst consulting with and respecting their individual identities. 9 A partnership culture Humanis develops an active partnership strategy in order to bring in stakeholders with recognised expertise in each of its business areas (including Apicil, AG2R La Mondiale, AXA, CNP, Groupama, Ipeca, etc.). The Group also has a long-term working relationship with brokers, providing them with expertise and advice, especially with regard to regulatory changes. 08 "Service partnerships" With its experience in its core business area, Humanis offers third parties, future partners (banks, insurance companies, public or private bodies) flexible management solutions for their individual or collective contracts across all sectors of social protection. On behalf of its partners (Crédit Agricole, Thélem, etc.) Humanis manages the various health, welfare and savings services. 09
6 Wide-ranging EXPERTISE Advice in collective bargaining The Group offers its clients 60 years of expertise in supporting collective bargaining and the signing of corporate healthcare, welfare or employee savings agreements. Daily support for professional sectors Through Adéis, the 1st joint welfare association dedicated exclusively to social protection for professional sectors, Humanis is the partner of 56 sectors for their welfare schemes, healthcare and/or long-term care costs. Meeting the needs of today, anticipating the needs of tomorrow: this is what it means to be a responsible player in the area of social protection. Controlling energy consumption, waste management, its code of ethics, purchasing policy and respecting the biodiversity of its sites, the Group is committed to developing a trust-based relationship with its stakeholders and the areas in which they are located. OUR VALUES 9 SHARING Embody our human mindset each and every day in our behaviour towards our clients and employees. 9 AMBITION Provide long-lasting protection for the men and women who place their trust in us and meet their requirements. 9 COMMITMENT Act responsibly to develop and innovate in social protection. Protection overseas and beyond borders With expertise in social protection for French citizens located around the world or in French overseas territories, Humanis develops global solutions (retirement, health and welfare) to meet every eventuality of international mobility. The Group is the only one to offer the full transposition of French style social protection, via a single point of contact in partnership with the Caisse des Français de l Étranger (CFE) (social security department for French citizens living abroad). 10
7 Find us at humanis.com and on COM / Department for communication and sustainable development - Istockphoto, Offset, Fotolia, Graphicobsession. GIE Humanis Fonctions Groupe - Economic interest grouping registered with Nanterre trade and companies register (RCS) under number Head office: 141, rue Paul Vaillant Couturier Malakoff.
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