Digital Insure Launches “DigiPrévTNS”, its Second 100% Digital Contingency Insurance Offer, for Self-Employed Workers

Digital Insure launches DigiPrévTNS, a second Madelin TNS offer, underwritten by MILTIS and reinsured by Hannover Re. It is a 100% digital offer, soon to be accessible via API as well, specifically designed for the protection of Self-Employed Workers (TNS) and their families in the event of work stoppage or death.
This product was developed in close collaboration with 18 partner brokers, TNS specialists and members of Digital Insure’s “TNS Experts” Club. The offer is accessible via the “Multinet Inside” marketplace, intended for insurance and credit brokers, wealth management advisors (CGP), and social protection networks.

Key features of DigiPrévTNS:

• Numerous options available: education annuity, temporary spouse’s annuity, reconversion capital, and critical events.
• Double-effect guarantees (for couples with children) and funeral allowance, included in the All-Cause Death/Total and Permanent Disability (TPD) guarantee.
• Incapacity / Disability: flat-rate compensation after deduction of the mandatory social security scheme (RO), without supporting documents, up to €62,000 in guaranteed annual annuity.
• A reduction in contributions for new business creators/acquirers of up to 15%
• A market innovation: the “pandemic” option
  Compensation from day 1, for a work stoppage of more than 3 days, with hospitalization, caused by a pandemic disease (recognized by the WHO).
• Premium services: for complex cases, intervention by Digital Insure’s Expert Hub, specializing in special risks with high-end medical and financial analysis and optimized pricing.
• No smoker/non-smoker segmentation.

And always… a simple and fluid 100% digitalized process from project drafting to final contract subscription.

Christophe Grouas, CEO of Digital Insure, states: “This new offer further enriches our contingency insurance range for self-employed workers. Our 100% digital platform enables all our partners, even novice brokers, to support their clients simply, quickly, and securely. They can thus fulfill their duty of advice towards this traditionally ill-informed and often poorly protected population.
I particularly thank our partner brokers, members of the “TNS Experts” Club, who worked closely with our teams on the design of this offer.

Patrick Julien, CEO of Miltis mutual insurance company, adds:
“DigiPrévTNS fits perfectly into our strategy of expanding our range to include contingency insurance for self-employed workers. We are delighted to allow our members to benefit from the expertise of our partners, and particularly from the seamless process offered by Digital Insure, a guarantee of reliability and speed.”

Alain Turco, General Manager “Life and Health” at Hannover Re, confirms: “Hannover Re is pleased to contribute to the launch of DigiPrévTNS, which provides self-employed workers with enhanced protection for their income and families in the event of death, disability, or incapacity. The fully digitalized offer is interconnected with our hr | ReFlex e-medical selection engine, which generates an immediate, tailor-made response at the best rate, thanks to the valuable collaboration of Miltis and Digital Insure.”

APPENDIX / OVERVIEW OF GUARANTEES AND BENEFITS
Guarantees
⋅ Professional Permanent Disability available as an option (from 16%) for all professions (except structural work/construction/agriculture and aquaculture) for insured persons fiscally residing in Metropolitan France.
⋅ Back condition coverage included, and psychological conditions as an option (without hospitalization requirement).
⋅ Numerous options: education annuity, spouse’s annuity, bridging annuity, critical events, and reconversion capital.
⋅ Coming soon: the Permanent General Expenses (FGP) guarantee underwritten by Groupama Rhône-Alpes Auvergne.

Premium Benefits
⋅ No smoker/non-smoker segmentation.
⋅ Double-effect guarantees and funeral allowance, included in the All-Cause Death/Total and Permanent Disability (TPD) guarantee.
⋅ Incapacity/Disability: flat-rate compensation after deduction of the mandatory social security scheme (RO), without supporting documents, up to €62,000 in guaranteed annual annuity.
⋅ From the 13th month of seniority: Loyalty Bonus! It reduces the selected deductible level (up to a maximum of 10 days and a minimum deductible of 3 days).
⋅ During the first 4 years of membership, a possible increase, under certain conditions, of the guarantee amount (up to 10%) without additional medical formalities.

Optimized Process
⋅ Advisor support at each stage in estimating clients’ specific coverage needs: consideration of the mandatory social security scheme (RO), details and recommendations for each benefit (Death, Disability, options), visual and graphic representations…
⋅ Client income coverage rate adjustable from 0 to 100%.

About Digital Insure
Founded in 2013, Digital Insure is a resolutely “Tech” brokerage player, specializing in borrower insurance and individual contingency insurance. Its 100% digital processes simplify and accelerate all stages, from offer comparison to subscription and claims management, for all players in personal insurance. Through its distribution subsidiary, Digital Insure provides its distributing brokers (generalist, specialized, web players) with exclusive borrower and contingency insurance offers tailored to their clients’ profiles, digital comparison and subscription processes, and high-quality service in contract management, delegation, and substitution.
The Digital Insure Services subsidiary offers Insurers, Mutuals, and Banks support in their digital transformation for the distribution and/or management of their personal insurance contracts via technological solutions or innovative projects.
An active member of numerous “tech”-oriented circles (France Fintech, Finance Innovation, API Thinking, Insurtech France…), a member of the FrenchTech120 network (2020 alumni), Digital Insure also created its own network “Le Hub Fintech by DI” in 2021.

About Miltis
Founded in Lyon in 1995, Miltis is an interprofessional mutual insurance company operating in the health, contingency insurance, and loan insurance markets for individuals, professionals, and businesses.
Miltis achieved €104 million in revenue in 2021, has 130,000 members, and protects 195,500 people as of December 31, 2021.
The mutual insurance company distributes its offers directly or through brokerage. It also develops white-label offer design activities for partner brokers and uses management delegation to provide the best customer experience, regardless of the offer.
https://www.mutuelle-miltis.fr/

About Hannover Re:
Hannover Re, with gross premiums of over €33 billion, is the third-largest reinsurer in the world. It covers all lines of property & casualty and life & health reinsurance and is present on all continents with over 3,000 employees.
Founded in 1966, the Hannover Re Group today has a network of over 170 subsidiaries, branches, and representative offices worldwide.
The most relevant rating agencies for the insurance sector have assigned Hannover Re exceptional financial strength ratings: Standard & Poor’s AA- “Very Strong” and A.M. Best A+ “Superior”. It is among the market leaders in personal insurance reinsurance in France.

https://www.hannover-re.com/

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