our Network Partner in France

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GAN Eurocourtage

The GAN, acquired in 1998 by GROUPAMA, already France's foremost mutual insurer, is now part of a group which is the nation's second-largest multi-line insurer (first personal health and the second major property and casualty insurer).

GROUPAMA-GAN is one of largest group life and health insurers (EUR 6,6 billion premium income) and offers a wide choice of individual and group employee benefit arrangements.

With aggregate premium income of more than EUR 13,4 billion, the group employs 22,000 employees.

Its 6 distinct marketing channels serve 16 million members and customers under the GROUPAMA and GAN brand names.

GAN is the network's member for France and is a member of the Insurope's Executive Committee.

A. TYPICAL LIFE AND DISABILITY BENEFITS

Background :

In France, most plans offer benefits which follow the French Social Security system.

As a result, benefits are expressed as a percentage of annual gross salary, which is divided into different slices :

Slices values in 2009 :

Slice A : 0 EUR until EUR 34 308

Slice B : from EUR 34 309 until EUR 137 232

Slice C : from EUR 137 232 until EUR 274 464

Depending on the industry sector in which a company operates, there might be minimum benefits required by National Agreements (Conventions Collectives).

The National Agreement to which each Company is subject, is related to the NAF Code.

The purpose of the bellow benefits description is to show a typical group insurance plan implemented for a given category of employees.
The benefits and their levels may differ from one company to another.

I. Life benefits in case of affiliate�s death

1. Death or Total and Permanent Disablement

- Payment of a lump sum benefit according to family status :

OR,

- In case of affiliate�s death, the beneficiaries, can opt for : the lowest capital amount + a progressive educational allowance of 8%, 10% and 12 %

2. Accidental Death
   
   Additional benefit of 100 % of the death benefit
   
   
3. Double Effect (simultaneous or posterior death of spouse)
   
   payment to the dependent children of 100 % of the death benefit

4. Orphan�s pension
   
   

In case of death of the employee, payment of an indexed annual orphan�s pension to each dependent child equal to :

8 % of basis salary until age 12

10 % of basis salary from age 13 until age 17

12 % of basis salary until age 21 or 26 if student.

15 % of basis salary if handicaped child regardless of age

II. Disability benefits

5. Short and Long term Disability

Waiting period : 90 days

B. TYPICAL MEDICAL BENEFITS

In France, most group medical plans offer benefits which follow the French Social Security system.

Medical complementary reimbursements are usually made in complement to Social Security reimbursements and according to its legal tariffs and conditions.

As a result most of the benefits are expressed in percentage of social security refunds basis.

The purpose of the bellow benefits description is to show a typical group insurance plan implemented for a given category of employees.

The benefits and their levels may differ from one company to another.

Annual social security ceiling for 2009 is EUR 34 308

1. Hospitalization medical and surgical

Hospital fees: 300 % of Social security Reimbursement basis

Hospitalisation

• 100% real expenses less social security refunds,in conventioned sector
• 90 % real expenses less social security refunds,in non-conventionned sector.

Daily hospital forfeit : 100 % real expenses

Private room / day: 70 EUR limited to real expenses

Accompanying bed + meal /day: 50 EUR limited to real expenses

In case of maternity: additional benefits

• Indemnity: 175 EUR
• Overturn costs per day: 175 EUR
• Private room per day: 70 EUR
• Assisted medical procreation 200 EUR / year / person

2. Medical care

Prescription drugs reimbursed by social security

100 % of social security tariff less social security refunds

Doctors, generalists and specialists:

300 % of Social security Reimbursement basis

Osteopaths: 30 EUR/ session, with a maximum of 3 / year and person

300 % of Social security Reimbursement basis

Audio prosthesis : Social security tariff less SS refund

Thermal cure (reimbursed by Social Security): Social security tariff less SS refund

Additional lump sum / year / person: + 250 EUR

3. Dental care

4. Optical aids :

5. Prevention:

Nicotinic substitutes 50 EUR

Dietetics coaching service via internet: included

Contraceptive pills and vaccines, not reimbursed by social security: 70 EUR /year/person

Additional services included :

- Assistance

- Tiers Payant (advanced payment of pharmaceutical, laboratory and other costs if agreement in force with provider).

Annual social security ceiling (ASSC) for 2009 = 34 308 EUR