{"id":38898,"date":"2022-02-17T08:00:16","date_gmt":"2022-02-17T07:00:16","guid":{"rendered":"https:\/\/www.digital-insure.fr\/digital-insure-launches-maestro-emprunteur-high-performance-loan-insurance\/"},"modified":"2025-10-23T12:07:40","modified_gmt":"2025-10-23T10:07:40","slug":"digital-insure-launches-maestro-emprunteur-high-performance-loan-insurance","status":"publish","type":"post","link":"https:\/\/www.digital-insure.fr\/en\/digital-insure-launches-maestro-emprunteur-high-performance-loan-insurance\/","title":{"rendered":"Digital Insure Launches “Maestro Emprunteur, High-Performance Loan Insurance”"},"content":{"rendered":"
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PRESS RELEASE<\/div>\n
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DIGITAL INSURE LAUNCHES 'MAESTRO EMPRUNTEUR', THE UNIVERSAL HIGH-PERFORMANCE LOAN INSURANCE FOR LARGE CAPITALS AND NON-STANDARD RISKS.<\/h2>\n <\/div>\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Press Release MAESTRO EMPRUNTEUR<\/h3>\n
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Press release<\/h2>\n <\/div>\n \n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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Maestro Emprunteur is an exclusive loan insurance offering developed by Digital Insure, in partnership with personal insurance experts: Malakoff Humanis Courtage and Hannover Re. <\/strong>Aimed at Digital Insure’s partners, brokers and insurance intermediaries, and accessible via the extranet or API, this offering complements Digital Insure’s suite of loan insurance and provident solutions with 13 robust insurers and 4 reinsurers, complementary in their risk approach.<\/h5>

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Maestro Emprunteur, a cornerstone for developing its high-net-worth clientele:<\/strong>
Universal, capable of covering all borrower profiles and all types of projects, the Maestro Emprunteur solution covers the guarantee needs of complex cases, for at-risk clients borrowing for potentially sophisticated projects. It is designed to be particularly effective for high capital amounts and to target a high-net-worth clientele:
– It combines highly competitive rates for loans over \u20ac750,000 AND simplified medical formalities for these profiles.
– The territorial scope is also extended:
\u2714 Non-residents, expatriates, or seconded employees can be covered, including for disability and work stoppage.
\u2714 The lending institution can be located within the European Union.
\u2714 Coverage is possible for loans in CHF (Swiss Francs). <\/p>

For complex arrangements, this clientele is handled by the Digital Insure Special Risks Expert Hub teams, which provide their technical expertise at each key stage of the project.
All risk profiles find their optimal solution in record time, thanks to the complementary technical expertise of Digital Insure’s teams, specialists in loan insurance and provident, and technological innovation: Maestro Emprunteur’s medical selection is operated via hr | ReFlex, Hannover Re’s powerful e-selection tool, the 4th medical selection rule engine integrated at Digital Insure.<\/p>

Contract Substitution<\/strong>: medical formalities in just 3 questions
Maestro Emprunteur is an offering that also allows Digital Insure’s partner distribution brokers to develop their activity by substituting Group contracts (Hamon\/Bourquin Law). With just 3 questions, the borrower can change insurance and achieve substantial savings. <\/p>

Key Highlights<\/strong>
\u2022 An offering designed for a high-net-worth clientele (highly competitive rates for premium products with simplified medical formalities up to \u20ac1M for those under 46),
\u2022 Extended coverage ages: up to 91 for death, 71 for work stoppage,
\u2022 Expanded territorial scope: Accessible to all non-residents, expatriates, or seconded employees; the lending institution may be located within the European Union; coverage is possible for loans in CHF (Swiss Francs),
\u2022 The contract holder can be a legal entity,
\u2022 For substitution requests, no medical formalities for loans under 5 years up to \u20ac500K (Hamon\/Bourquin process)
\u2022 The offering is also very well positioned when the client chooses premiums calculated based on the initial capital.<\/p>


“We have listened to our partner distribution brokers, Wealth Management Advisors, and special risks specialists who are always looking for cutting-edge solutions in their market to cover “non-standard” loans and situations,”<\/em> states Fabrice Couturier, co-founder of Digital Insure.<\/p>

“We turned to the expertise of Malakoff Humanis and Hannover Re, and today we are particularly pleased to offer our distributors this broad and competitive solution, which is supported by the technology of the 4th automated medical selection engine integrated by Digital Insure,”<\/em> adds Jean Orgonasi, co-founder of Digital Insure.<\/p>

According to Alain Turco, General Manager Life and Health at Hannover Re: “This partnership with Digital Insure, an expert in brokerage and digital technology, has allowed us to bring all our know-how in “non-standard” risks.”<\/em>
Our hr | ReFlex e-medical selection engine was easily integrated by Digital Insure for greater simplicity and speed in risk pricing and file preparation, even in complex situations.”<\/em><\/p><\/div>

About Hannover Re<\/strong>:
Hannover Re, the 3rd Largest Reinsurer Worldwide, benefits from significant financial strength (AA- from S&P).
It is among the leaders in the personal insurance market in France.
According to NMG Consulting’s Life Reinsurance Study conducted with French Personal Insurers’ Management, Hannover Re ranked again in 2021 as No. 1 in France for “partnership mindset,” service quality, and responsiveness in pricing and actuarial services, while its e-selection tool, hr | ReFlex, holds the top spot in satisfaction index.<\/p>

About Digital Insure<\/strong>:
Founded in 2013, Digital Insure is a resolutely “Tech” broker, specializing in loan insurance, provident, and health insurance. Its 100% digital processes simplify and accelerate all stages, from comparing offers to subscription and claims management.
Its subsidiary, Digital Insure Services, offers seamless management on behalf of Insurers, Mutuals, Banks, and Fintechs.
Digital Insure employs over 120 employees and manages over 50 billion in insured capital.
A member of the 2020 French Tech 120 cohort, Digital Insure is also ranked as the 1st Insurtech in the Frenchweb 500 ranking for the 2nd consecutive year.
https:\/\/www.digital-insure.fr\/ <\/p>

Key Figures<\/strong>
\u25cf Growth of over 50% per year since its creation in 2013
\u25cf 100 employees in 2020 (6 in 2013, 18 in 2015, and 65 in 2018)
\u25cf 350,000 contracts managed and \u20ac40 billion in insured capital (\u20ac40 million in 2014, \u20ac1.8 billion in 2015, and \u20ac21 billion in 2018)
\u25cf 8,000 points of sale (partner distribution brokers)<\/p>

Press Contacts<\/strong><\/p><\/div><\/div><\/div><\/div><\/div>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t

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digital insure<\/div>\n
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Veronika Ondrackova<\/h2>\n
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Responsable communication
\npresse@digital-insure.fr
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Kodiac CONSULTING<\/div>\n
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Brigitte Michaut<\/h2>\n
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Consultante
\nbrigitte.michaut@kodiac.fr
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Press Release MAESTRO EMPRUNTEUR<\/h3>\n
<\/div>\n Download the pdf<\/a>\n <\/div>\n \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

PRESS RELEASE DIGITAL INSURE LAUNCHES ‘MAESTRO EMPRUNTEUR’, THE UNIVERSAL HIGH-PERFORMANCE LOAN INSURANCE FOR LARGE CAPITALS AND NON-STANDARD RISKS. Press Release MAESTRO EMPRUNTEUR Download the pdf Press release Maestro Emprunteur is an exclusive loan insurance offering developed by Digital Insure, in partnership with personal insurance experts: Malakoff Humanis Courtage and Hannover Re. Aimed at Digital Insure’s […]<\/p>\n","protected":false},"author":11,"featured_media":40495,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[100,97],"tags":[],"class_list":["post-38898","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-event","category-press-release"],"_links":{"self":[{"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/posts\/38898","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/users\/11"}],"replies":[{"embeddable":true,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/comments?post=38898"}],"version-history":[{"count":4,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/posts\/38898\/revisions"}],"predecessor-version":[{"id":40497,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/posts\/38898\/revisions\/40497"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/media\/40495"}],"wp:attachment":[{"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/media?parent=38898"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/categories?post=38898"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.digital-insure.fr\/en\/wp-json\/wp\/v2\/tags?post=38898"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}