AOC Insurance Broker announces the launch of its new loyalty and rewards program called AOC Expatcare and its associated mobile app. The app allows expatriates to easily compare and manage international health insurance plans while taking advantage of digital health services and earning rewards points. The program is designed to engage customers in preventative health actions using technologies like blood tests, genetic tests, connected devices, and personalized recommendations. Insurance providers and brokers can partner with AOC to offer this program to customers and build brand loyalty.

1. AOC​ ​Insurance​ ​Broker
Application​ ​Expatcare

2. Cher​ ​client,
AOC Insurance Broker ​a le plaisir de vous présenter son programme de fidélisation et de récompenses ​AOC
The Family​, associé au lancement de sa nouvelle application de comparaison des plans santé internationaux
pour​ ​expatriés.
AOC Insurance Broker est soutenu et labellisé par le pôle de compétitivité mondial Finance Innovation et la
French Tech comme « insurtech » innovante avec ce modèle disruptif dédié à l’industrie de l’assurance santé
(cf.​ ​dossier​ ​​AOC​ ​Médias​)
AOC Expatcare est la 1ère application mobile de comparaison des plans santé expatriés tenant compte des
besoins​ ​avec​ ​de​ ​la​ ​santé​ ​digitale​ ​et​ ​les​ ​dernières​ ​technologies​ ​sur​ ​les​ ​objets​ ​connectés.
Avec​ ​​AOC​ ​Expatcare​ ​apps​,​ ​nos​ ​clients​ ​peuvent​ ​:
● Challenger en temps réels leur assurance santé en allant sur le logo de l’assureur/provider et prendre
une​ ​photo​ ​de​ ​leur​ ​certificat​ ​d’assurance​ ​qui​ ​est​ ​uploadé​ ​dans​ ​notre​ ​plateforme
● Réaliser ou faire réaliser en direct une comparaison en fonction de leur besoin via l’algorithme ​AOC
Expatcare​ ​​tout​ ​en​ ​pouvant​ ​interagir​ ​avec​ ​un​ ​expert​ ​AOC​ ​Team
● Communiquer​ ​via​ ​un​ ​chatbot,​ ​click​ ​to​ ​call,​ ​Skype​ ​me,​ ​email​ ​avec​ ​le​ ​team​ ​AOC
● Prévenir les risques et agir en devenant acteur de leur santé via une plateforme en machine learning et
des​ ​préconisations​ ​digitales​ ​et​ ​humaine
● Bénéficier​ ​d’un​ ​coupon​ ​dans​ ​le​ ​store​ ​Garmin​ ​pour​ ​surveiller​ ​leur​ ​santé​ ​via​ ​des​ ​objets​ ​connectés
● Suivre​ ​ses​ ​points​ ​de​ ​fidélité​ ​dans​ ​le​ ​store​ ​AOC​ ​The​ ​Family​ ​Reward​ ​et​ ​bénéficier​ ​de​ ​récompenses
AOC Expatcare​, c’est surtout un programme d’engagement et de fidélisation récompensant les efforts de
nos clients dans des actes de prévention via de la santé digitale et humaine et les dernières technologies de
rupture (tests sanguins, génétique, capteurs et objets connectés, interprétations des dossiers médicaux aux
normes​ ​ICD10,​ ​suivi​ ​et​ ​préconisations​ ​etc.)
AOC Expatcare​, c’est une application et une plateforme évolutive dédiée à l’assurance santé et adaptée aux
modes de consommation des Babyboomers, Gen x, Millenials, Gen Z expatriés à travers le monde et qui
désirent​ ​plus​ ​d’interaction,​ ​de​ ​services​ ​et​ ​bénéficier​ ​de​ ​la​ ​santé​ ​du​ ​futur.
Découvrez​ ​les​ ​fonctionnalités​ ​de​ ​​AOC​ ​Expatcare​ ​en​ ​video​​ ​et​ ​ou​ ​téléchargez​ ​AOC​ ​Expatcare​ ​application​ ​sur
​ ​
Comment​ ​cela​ ​marche​ ​?
AOC Insurance Broker a développé des partenariats exclusifs avec des acteurs majeurs du monde de la santé
digitale​ ​connectée​ ​qui​ ​font​ ​désormais​ ​partie​ ​de​ ​l’offre​ ​santé​ ​que​ ​nous​ ​offrons​ ​à​ ​nos​ ​clients.
AOC Insurance Broker propose aujourd’hui de vous joindre à nous afin d’offrir à vos adhérents AOC ainsi
qu’à​ ​vos​ ​assurés​ ​un​ ​modèle​ ​alliant​ ​assurance,​ ​prévention​ ​et​ ​santé​ ​du​ ​futur.

3. Le programme d’engagement client ​AOC Expatcare avec la plateforme de santé digitale de notre partenaire
Medicus et son équipe médicale, analyse, interprète, recommande, prévient et gère les risques médicaux via
des​ ​tests​ ​sanguins,​ ​génétiques,​ ​des​ ​objets​ ​connectés,​ ​etc.
Avec ce modèle, vous bénéficiez d’une image “éthique”, vous réduisez votre exposition à des sinistres à
moyen​ ​terme​ ​en​ ​contrôlant​ ​mieux​ ​votre​ ​ratio​ ​prime​ ​sur​ ​sinistres​ ​et​ ​enfin​ ​vous​ ​fidélisez​ ​vos​ ​clients.
Vous​ ​savez​ ​que​ ​le​ ​coût​ ​d’acquisition​ ​d’un​ ​assuré​ ​est​ ​élevé​ ​et​ ​que​ ​nos​ ​revenus​ ​sont​ ​basés​ ​sur​ ​la​ ​rétention​ ​et​ ​la
fidélisation​ ​des​ ​clients.
Nous répondons donc à vos exigences tout en instaurant un cercle vertueux entre l’assuré, l’assureur et
l’intermédiaire.
Bien​ ​cordialement,
Olivier​ ​LE​ ​FAOUDER
CEO​ ​AOC​ ​Insurance​ ​Broker

4. AOC​ ​Insurance​ ​Broker
Application​ ​Expatcare

5. Dear​ ​client,
AOC Insurance Broker is pleased to present its new loyalty and reward program and announce the launch of
its​ ​new​ ​application​ ​​AOC​ ​Expatcare​​ ​for​ ​expatriates​ ​who​ ​want​ ​to​ ​compare​ ​international​ ​health​ ​insurances.
AOC Insurance Broker is supported and awarded by Finance Innovation and French Tech as an innovative
insurtech​ ​with​ ​its​ ​disruptive​ ​model​ ​dedicated​ ​to​ ​the​ ​health​ ​insurance​ ​industry​ ​(see​ ​​AOC​ ​Media​ ​folder​)
AOC Expatcare is the first mobile App comparing international private medical health insurances for
expatriates taking their needs in consideration and leaning on digital health and the latest technologies on
connected​ ​devices.
With​ ​​AOC​ ​Expatcare​ ​App​,​ ​clients​ ​can:
● Easily manage their health insurance in real time by simply clicking on the insurer/provider's logo
and​ ​uploading​ ​a​ ​picture​ ​of​ ​their​ ​insurance​ ​certificate​ ​they​ ​have​ ​taken​ ​to​ ​our​ ​platform
● Make a live comparison based on their needs using the AOC Expatcare algorithm while being able to
interact​ ​with​ ​an​ ​AOC​ ​Team​ ​expert
● Communicate​ ​and​ ​interact​ ​with​ ​the​ ​AOC​ ​team​ ​via​ ​chatbot,​ ​click​ ​to​ ​call,​ ​Skype​ ​me​ ​and​ ​email
● Prevent risks and act becoming actors of their health through a machine learning platform and
digital/human​ ​recommendations
● Obtain a discount coupon on the Garmin store to purchase internet of things devices and monitor
their​ ​health
● Track​ ​the​ ​loyalty​ ​points​ ​they​ ​accumulate​ ​in​ ​the​ ​AOC​ ​The​ ​Family​ ​program​ ​and​ ​receive​ ​rewards
Above all, AOC Expatcare is a commitment and loyalty program rewarding the efforts of our insureds who
take preventive actions via digital and human health and the latest technologies of rupture (blood tests,
genetics tests, sensors and wearables, interpretations of medical files to ICD10 norm, follow-up and
recommendations​ ​etc.).
AOC Expatcare is also an application and a scalable platform dedicated to health insurance industry and
adapted to the consumption patterns of Baby boomers, Gen x, Millenials and Gen Z expatriated all over the
world​ ​who​ ​want​ ​more​ ​interaction,​ ​services​ ​and​ ​benefit​ ​from​ ​the​ ​health​ ​of​ ​the​ ​future.
Discover​ ​the​ ​features​ ​of​ ​​AOC​ ​Expatcare​ ​in​ ​video​​ ​and​ ​or​ ​install​ ​AOC​ ​Expatcare​ ​app​ ​on
​ ​
How​ ​it​ ​works
AOC Insurance Broker has developed exclusive partnerships with world major players in the healthtech
which​ ​are​ ​now​ ​part​ ​of​ ​the​ ​services​ ​we​ ​offer​ ​to​ ​our​ ​clients.
Today, ​AOC Insurance Broker gives you the opportunity to join us to offer your AOC members and your
insureds​ ​a​ ​model​ ​combining​ ​insurance,​ ​preventive​ ​health​ ​and​ ​health​ ​of​ ​the​ ​future.

6. The ​AOC Expatcare customer engagement program and the smartcare health platform of our partner
Medicus with its medical team analyses, interprets, recommends, prevents and manages medical risks(blood
tests,​ ​genetic​ ​tests,​ ​ADN,​ ​monitoring​ ​with​ ​internet​ ​of​ ​things,​ ​etc.)
With this model, you benefit from an "ethical" image, you reduce your exposure to claims in the medium
term​ ​by​ ​better​ ​controlling​ ​your​ ​loss​ ​ratio​ ​and​ ​finally,​ ​you​ ​increase​ ​customer​ ​loyalty.
You​ ​know​ ​that​ ​the​ ​cost​ ​of​ ​acquiring​ ​an​ ​insured​ ​is​ ​high​ ​and​ ​that​ ​our​ ​revenues​ ​are​ ​based​ ​on​ ​renewal​ ​and
retention​ ​of​ ​insurance​ ​policies.
We​ ​meet​ ​our​ ​common​ ​requirements​ ​while​ ​creating​ ​a​ ​virtuous​ ​circle​ ​between​ ​the​ ​insured,​ ​the​ ​insurer​ ​and
the​ ​intermediary.
Best​ ​regards,
Olivier​ ​LE​ ​FAOUDER
CEO​ ​AOC​ ​Insurance​ ​Broker

7. AOC​ ​THE​ ​FAMILY​ ​PROGRAM​ ​&​ ​REWARDS
AOC reward programs aims to fidelize AOC clients by giving them access to different benefits in exchange for
their​ ​loyalty​ ​and​ ​engagement​ ​with​ ​the​ ​AOC​ ​app.
BENEFITS
The​ ​user​ ​can​ ​reach​ ​3​ ​stages​ ​depending​ ​on​ ​the​ ​amount​ ​of​ ​points​ ​he​ ​has:
● Silver​ ​=​ ​1000​ ​points
● Gold​ ​=​ ​3200​ ​points
● Platinum​ ​=​ ​6000​ ​points
Points​ ​give​ ​access​ ​to​ ​a​ ​different​ ​range​ ​of​ ​benefits,​ ​depending​ ​on​ ​the​ ​amount​ ​of​ ​points
earned​ ​by​ ​the​ ​user.​ ​Benefits​ ​are​ ​shown​ ​in​ ​the​ ​table​ ​below
Partner Silver:​ ​1000​ ​points Gold:​ ​3200​ ​points Platinum:​ ​6000​ ​points
Garmin
store
x​ ​500​ ​points​ ​for​ ​a​ ​10%
discount​ ​on​ ​Garmin
x​ ​500​ ​points​ ​for​ ​a​ ​20%
discount​ ​on​ ​Garmin
x​ ​500​ ​points​ ​for​ ​a​ ​30%
discount​ ​on​ ​Garmin
AOC
Discounts
x​ ​500​ ​points​ ​for​ ​a​ ​5%
discount​ ​(up​ ​to​ ​€150/$180)
x​ ​500​ ​points​ ​for​ ​a​ ​5%
discount​ ​(up​ ​to​ ​€200/$240)
x​ ​500​ ​points​ ​for​ ​a​ ​5%
discount​ ​(up​ ​to​ ​€250/$300)
Medicus
base
x x x
Umanlife x x x
Medicus​ ​+ - x x
Umanlife​ ​+ x x x
When the user spend points, his number of points is reduced, but he is not “downgraded”. For example, a
Gold user can’t go back to the Silver stage, even if the amount of points remaining is below the Gold
threshold.
EARNING​ ​POINTS
AOC​ ​Expatcare​ ​APP​ ​users​ ​earn​ ​when​ ​completing​ ​one​ ​of​ ​the​ ​following​ ​actions:
● Buying​ ​an​ ​insurance​ ​plan​ ​from​ ​AOC​ ​=​ ​500​ ​points
● Referring​ ​a​ ​friend​ ​=​ ​300​ ​points​ ​/​ ​referral
● Renewing​ ​an​ ​insurance​ ​policy​ ​=​ ​500​ ​points​ ​(same​ ​plan)​ ​or​ ​300​ ​points​ ​(new​ ​plan)
● Using​ ​AOC​ ​e-health​ ​features​ ​=​ ​500​ ​points​ ​(Medicus)
On the first year, the user can only earn points from referrals and from plan subscriptions, when the annual
premium is paid. In addition, AOC will give a coupon that will give discounts on 3 Garmin products. On the
second year, the user can earn points by renewing his policy and actively use the digital health features in
order​ ​to​ ​earn​ ​more​ ​points​ ​and​ ​get​ ​to​ ​the​ ​silver​ ​stage.

8. Year​ ​1 Year​ ​2​ ​+
Purchase​ ​IPMI​ ​AOC
Insurance​ ​Broker
30%​ ​discount​ ​Garmin​ ​Store​ ​​:​ ​connected​ ​balance
Garmin​ ​Index​ ​(€169,90)​ ​/​ ​Watch​ ​Vivo​ ​Active​ ​HR
men​ ​(€269,90)​ ​et​ ​ou​ ​Vivosmart​ ​HR+​ ​(€199,99)​ ​​+
Customers​ ​digital​ ​health​ ​engagement
nil
Individual
empowerment​ ​to
enhance​ ​care
500pts/year​ ​(i​ ​f​ ​customer
engagement​ ​N-1)
Renew​ ​his​ ​international
health​ ​insurance
nil 300pts/year​ ​(500pts/year​ ​if
same​ ​insurer/provider​ ​=​ ​no
transfer)
Referrals​ ​300​ ​pts.​ ​Règle
:​ ​Earn​ ​points​ ​if​ ​annual
premium​ ​paid
300pts/referral 300pts/referral
Super​ ​ambassador​ ​AOC
:​ ​a​ ​surprise​ ​gift​ ​(One
Year)
● ●
Comments 1st​ ​year​ ​insured​ ​do​ ​not​ ​earn​ ​points​ ​(unless​ ​he
invites​ ​friends/referrals​ ​who​ ​pay​ ​directly​ ​health
plan​ ​as​ ​an​ ​annual​ ​premium
N+1​ ​insured​ ​must​ ​cumulate
renewal​ ​+​ ​customer
engagement​ ​to​ ​go​ ​through
Silver
Points​ ​are​ ​manually​ ​assigned​ ​to​ ​each​ ​user​ ​from​ ​the​ ​Expatcare​ ​admin​ ​panel
SPENDING​ ​POINTS
As​ ​per​ ​the​ ​table​ ​above,​ ​the​ ​user​ ​can​ ​spend​ ​points​ ​in​ ​two​ ​different​ ​ways:
Garmin​ ​reductions
● Silver​ ​(1000​ ​points):​ ​500​ ​points​ ​=​ ​10%​ ​reduction​ ​at​ ​Garmin​ ​AOC​ ​store
● Gold​ ​(3200​ ​points):​ ​500​ ​points​ ​=​ ​20%​ ​reduction​ ​at​ ​Garmin​ ​AOC​ ​store.
● Platinum​ ​(6000​ ​points):​ ​500​ ​points​ ​=​ ​30%​ ​reduction​ ​at​ ​Garmin​ ​AOC​ ​store.
AOC​ ​Insurance​ ​discounts
● Silver (1000 points): 500 points = 5% reduction on insurance premium (if reduction is up to 150€ /
180$
● Gold (3200 points): 500 points = 5% reduction on insurance premium (if reduction is up to 200 /
240$
● Platinum (6000 points): 500 points = 5% reduction on insurance premium(if reduction is up to 250 /
300$