Taking action

wherever

we can

Groupama, the leading insurer for agriculture, has strengthened its psychological support system to better help farmers in mental health crises. There is now a 24/7 helpline that puts them in touch with clinical psychologists. In addition, two free counselling sessions with specialist clinicians are offered to farmer policyholders.

Groupama is expanding its geographical footprint. The Group now operates in Croatia (via its subsidiary Groupama Osiguranje) and Slovenia. In China, Groupama AVIC opened two new operational business units in the Jiangxi and Hainan provinces, Serving as growth drivers in new markets that offer strong potential. Groupama has also taken advantage of the normalized market conditions in Romania to grow rapidly and become the number one insurer in the country.

To contribute to the development of a low-carbon society, Groupama has created a non-life insurance product for afforestation and reforestation projects, covering young plantations. This pioneering offer insures young plantations against frost and drought, as well as storms, hail and snow. Groupama also has extensive forest assets – the Group is the third-largest private forest owner in France – which represent a significant carbon sink. The amount of carbon stored in these forests has increased to more than 180,000 tonnes per year, and the forest carbon stock currently amounts to 10.5 million tonnes of CO2. By way of comparison, the Group’s business travel and energy consumption emit less than 50,000 tonnes.

In 2022, Groupama Épargne Salariale’s offerings were once again awarded the “Excellence” label by Dossiers de l’Épargne. Some of the differentiating features highlighted by the experts at Dossiers de l’Épargne include: attractive pricing for very small businesses, with reduced account management fees per employee; one of the most dense and varied ranges of funds of those analysed, with 24 accessible vehicles; a comprehensive annuity component for the French collective pension fund PERCOL (10 possible outflows); and management activities that can be carried out entirely online.

Is it possible for financial investments to generate a measurable, positive social and environmental impact? Two new vehicles offered by the Groupama Group can do just that. The Groupama Social Impact Debt fund invests in SMEs rooted in the local community that are dedicated to improving their social performance through, for example, commitments to job creation or employee purchasing power. Savers can also contribute to a low greenhouse gas emissions (GHG) economy via “Porphyre Transition Climat Septembre 2022”, a green debt security issued by Crédit Agricole CIB and distributed by Groupama Gan Vie. Its aim is to exclusively finance or refinance projects that contribute to the energy transition, the reduction of CO2 emissions or the circular economy.

More than 5,000 employees recruited in 2022

To achieve their recruitment objectives, in 2022 the Group and its companies launched a new employer brand campaign showcasing employees: “Être là pour les autres, j’ai décidé d’en faire mon métier” (Being there for others: I’ve decided to make it my job). Thanks to these initiatives, Universum ranked Groupama as one of the most attractive groups for professional development for Master’s graduates.

The app that helps policyholders to take control of their health and improve their well-being was given a makeover in 2022, including optimised ergonomics and a range of smart features for an improved customer experience. It has been rolled out in France and it ranks as our customers’ most frequently used app.

The “Gestes Qui Sauvent” (Life Savers Program) training programme is free and open to anyone – whether they are a Groupama customer or not – who wants to learn how to save lives. The training is provided by experts: fire-fighters, the Red Cross, Protection Civile etc. On the occasion of the World First Aid Day on 10 September 2022, Groupama’s international subsidiaries announced the launch of the Life Savers Program, joining the French entities in their mission to train one million people in life-saving skills.

In 2022, nearly two million people visited the “Ma Nouvelle vie commence ici” website, representing an 80% increase in traffic compared to 2021. Many people worry about retirement and have lots of questions. Groupama Gan Vie therefore created “Ma Nouvelle vie commence ici” to help people better prepare for their retirement. The site provides all available information on retirement via videos, editorial content, podcasts and simulators such as “Ma retraite, combien et quand”, which – in just a few clicks – allows anyone to find out how much their retirement will be and at what age they can retire.

Groupama’s international subsidiaries innovate to provide new offerings that meet the specific needs of their local customers. In Greece, Groupama Asfalistiki offers myZen by Groupama, a new fully online car insurance brand marketed via a dedicated website. During the underwriting process, 11 parameters are taken into account to optimise the proposed rate. In Bulgaria, Groupama Zhivotozastrahovane launched a new health insurance product “Groupama Vita”, comprising competitive health packages that offer a comprehensive and totally unique service. Lastly, in Italy, Groupama Assicurazioni launched “MenteSerena Collettività” in 2022, a new group protection offer.

€9 invested in solidarity actions

The Groupama Group supports researchers as well as artists. In 2022, the Groupama Foundation awarded its Rare Diseases Research Prize to Frédéric Michon from the Institute for Neurosciences of Montpellier (INM) in order to finance his ambitious research on aniridia.

The scientist and his team will receive €500,000 in funding over a five-year period. Solidarity walks (“Balades solidaires”), organised throughout France by Groupama members, also raised more than €400,000 for rare disease associations and research projects. For its part, the Gan Foundation for Cinema showcased seven new film-makers in 2022, bringing the total number of feature films supported since its creation to 230.

Groupama contributes to the transition to a circular economy in its activities. Accordingly, in the event of a motor vehicle claim, more than one third of bumpers are repaired (France), not replaced. In terms of using used parts, which also avoids the need for new parts, Groupama is positioned as one of the leaders in this field, with reuse accounting for more than 11% of cases. This figure is expected to increase.

Since the beginning of 2022, three million Groupama Santé Active policyholders have benefited from enhanced medical teleconsultation services to improve their access to care. The offer includes six teleconsultations per year per policy beneficiary, which are free of charge. An appointment can be made with either a general practitioner or one of the service’s 20 specialists, with healthcare professionals available from 6am to 11pm every day of the week.

Gan Eurocourtage has designed Welii, a new service brand dedicated to companies and their employees, which responds to new workplace challenges through preventive measures and actions that support quality of life at work. This offer includes a wide range of services, such as teleconsultation, second medical opinions, help for caregivers, absenteeism analysis, back-to-work assistance, well-being webinars etc.