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#NonStopCaring
A new generation of connected and digital assistance services
is emerging to continuously improve people's lives.
ACTIVITY REPORT
2015-2016
#NonStopCaring
We improve people’s lives by providing services that resolve
difficult or stressful situations. We deliver these services by
leveraging our professional resources, 24/7 contact points,
technology and global networks of certified partners.
VOTED THE MOST
CARING BRAND
IN FRANCE
*Ex-aequo with Blablacar,
A BVA survey for « Change », a communications agency
The new Observatory of caring brands ranked Europ Assistance
number one in France*, out of 150 brands in 20 different sectors.
Its purpose is to assess how people perceive the brands’caring strategy:
do they consistently improve their lives? Are they attentive
in the interaction?
BELGIUM
> Insurance Award in the Travel Insurance
category for the NoGo annual travel
cancellation insurance
BRAZIL
 Gaivota de Ouro Award (insurance market)
 Cobertura Performance Award, for the quality
of service
 Melhores do Seguro 2015 Award
FRANCE
 Bronze Trophy for Insured Services in the health
prevention and eHealth solutions category
HUNGARY
 Business Superbrands Award for the 3rd
time
POLAND
 Consumers’ Choice 2016 for assistance
to car insurance
USA
 A silver Stevie©
award for the Identity
Protection Team
 A Blue chip award for its culture
of leadership and success
TEN RECENT AWARDS FOR QUALITY SERVICES
AROUND THE WORLD
•VO
TED1ST
C
ARING BR
ANDIN2
016
1st
prize for ConnectMoi - Best disruptive product/service - Efma  Accenture Innovation
in Insurance awards
02
THE GROUP
P.06-07
We Connect strategy:
delivering on our promises
P.08-09
TheGroupManagementCommittee
P.10-11
Key Figures
P.12-13
The Europ Assistance world
INNOVATION
P.16-17
We create tailored solutions to
suit our clients’ needs
P.18-19
Preserve and enhance Europ
Assistance's first mover advantage
P.20
Concierge  CRM services:
A disruptive new world
of full care services
P.21
ConnectMoi: Voted
“best disruptive product/service”
P.22-23
Help customers stay healthy
and independent at home
P.24-25
Global solutions to meet
our customers' needs
P.26-27
European and American
summer holidays
P.28-29
Developingalongsideourcorporate
customers
P.30-31
Cooperating with Generali
to foster a holistic
approach
FOR PEOPLE
P.34-35
Building a truly
customer-centric culture
P.36-37
Constantly thinking
over the way we work
P.38-39
Lean management
changes the way we work
P.40-41
Caring for others
P. 42-43
Our subsidiaries worldwide
03
In 2015, Europ Assistance launched
its We Connect strategy and
restructured its governance. This
activity report reflects the initial
achievements, and gives an outlook
on tomorrow’s assistance market, in
which the Group will definitely play
a key role.
GROUP GOVERNANCESTRATEGY
THE GROUP
04
IN THE
GROUP
#NonStopCaring
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
05
“The first achievement
of our new management
team, in the perspective
of our ambitious
We Connect strategy
is that Europ Assistance
is back on the path
of high growth”
06
THE GROUP CEO'S MESSAGE
WE CONNECT
STRATEGY: DELIVERING
ON OUR PROMISES
Antoine Parisi,
Group Chief Executive Officer
Europ Assistance has been an industry pioneer ever since it was creat-
ed 53 years ago, and its tremendous success is yet another expression of
Europ Assistance’s innovative approach. Our We Connect strategy was
just launched in 2015 and has already lead up to several innovations
that have boosted our revenues’ growth by 8% as compared to 2014.
I am also very proud of the launch of our Lean Management program
in Italy, France and Spain. This strategic program means a lot more
than just improving our processes. It entails a transformation of our
core culture and is changing the way we work to better serve our
customers. In 2015, we also achieved the best financial results in the
group’s history, thus making it possible to fully finance our transforma-
tion and confirming our position as one of the world’s leading and top
performing assistance groups.
Looking ahead, I am very confident. We have the opportunity of op-
erating in a growing market, which is expected to grow even further,
fueled by technology innovation. In addition, the assistance market
benefits from several positive trends: the booming travel industry- with
the number of travelers expected to increase globally to 2 billion by
2020 - and the growing car market - with China and India emerging
as leader countries in terms of new vehicle registrations. As a result,
our two key business lines – travel and automotive – are expected to
achieve significant growth. Also, our Health, Home  Family and
Concierge services activities are being stimulated by two factors: the
increasing demand for services and the development of new high-tech
offers built on digital innovations.
Our key opportunity going forward will be to capitalize on the poten-
tial gain from new developments in technology and artificial intelli-
gence.
+8%to
€ 1,405 M
in
2015
REVENUE
+15%to
€ 94 M
in
2015
OPERATING
RESULT
07
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
THE GROUP
MANAGEMENT
COMMITTEE
CUSTOMER-CENTRIC GROUP MANAGEMENT
COMMITTEE, WITH AN EFFECTIVE CORPORATE
GOVERNANCE MINDSET
The creation of the Europ Assistance Group
Management Committee (EA-GMC) has made
it possible to streamline our corporate governance
and organization to foster effective
and transparent decision-making.
It promotes more agile decision-making processes and
accelerates the transformation of our group, in a rapidly
changing world. It also places our customer’s needs
at the heart of the Group’s governance.
This is boosting cooperation between teams across
the world. We can better focus on achieving our
We Connect strategic plan and deliver enhanced
value for our customers.
➊ BRUNO SCARONI
Chief Executive
Officer Italy
➋ ELS VAN DE WATER
Group Chief Human
Resources and
Communication Officer
➌ JUAN CARLOS
GUZMAN
Chief Executive Officer
Western Europe
➍ ANTOINE PARISI
Group Chief
Executive Officer
➎ PASCAL
BAUMGARTEN
Group Chief
Operating Officer
➏ PIERRE BRIGADEAU
Group Chief Sales
 Marketing Officer,
Global Head
of Business Lines
➐ BÉATRICE OGÉE
Chief Executive
Officer France
➑ STÉPHANE
VERMERSCH
Group Chief Financial
Officer
1
2
08
THE GROUP CORPORATE GOVERNANCE
3
4
5
6
7
8
09
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
BEING
MOST DYNAMIC
AND EFFICIENT
€ 1,405million
CONSOLIDATED
REVENUE
Vs 1,300 in 2014
€94million
OPERATING
RESULT
Vs €86 million in 2014
10
KEY FIGURES 2015THE GROUP
PROVIDING
MOST INNOVATIVE
AND RELEVANT SOLUTIONS
1 million
interventions
TRAVEL
3.3 million
interventions
OTHER
ASSISTANCE
OPERATION
300MILLION CUSTOMERS
5 million
interventions
AUTOMOTIVE
1 million
interventions
HOME  FAMILY
1.3 million
interventions
HEALTH
11.6
MILLION
INTERVENTIONS
in 130 countries
11
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
THE EUROP
ASSISTANCE
WORLD
8,543EMPLOYEES
400
HEALTHCARE
PROFESSIONALS
35
ASSISTANCE
CENTERS
208
COUNTRIES
COVERED
750,000
CERTIFIED
PARTNERS
12
THE GROUP
CALL CENTERSAGENT'S OFFICES
29,225
PLANE TICKETS
ISSUED TO
REPATRIATE OUR
CUSTOMERS
2
CALLS HANDLED
EVERY SECOND
ACROSS THE
WORLD
1
INTERVENTION
EVERY
2 SECONDS
7,749
AIR
AMBULANCE
FLYING HOURS
SUBSIDIARIES
13
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
Europ Assistance nurtures a pioneer-
ing spirit, exploring the extraordinary
potential of technology innovation to
be adapted and developed across its
five business lines: travel, automotive,
home  family, health, concierge 
CRM services. In 2015/16, the Group
launched several new products rang-
ingfromaDigitalRoadsideAssistance
program (p19), to the ConnectMoi
solution(p23),SchengenE-shop(p24)
and a “three solutions, one partner”
offer targeting large multinationals
(p28-29-30).
INNOVATION WORLDWIDERESEARCH  SOCIETY
14
INNOVATION
INNOVATION
#NonStopCaring
15
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
“Technology helps us
build extraordinary
customer experience”
16
INTERVIEWINNOVATION
WE CREATE TAILORED
SOLUTIONS TO SUIT
OUR CLIENTS’ NEEDS
Pierre Brigadeau,
Group Chief Sales  Marketing Officer,
Global Head of Business Lines
CAN YOU HIGHLIGHT OTHER MATERIAL
ASPECTS OF THE WE CONNECT STRATEGY,
FOCUSING ON GLOBALIZATION,
TECHNOLOGY  CUSTOMERS?
These three elements are closely connect-
ed. In all our business lines, the offer is increas-
ingly driven by the way consumers use tech-
nology. For instance, in Roadside Assistance,
we have digitalized end-to-end assistance ser-
vices to make customer experience easier at
key moments and provide information when
users need it most. Similar initiatives from the
other business lines include ConnectMoi*
and the Schengen E-shop**.
WHAT HAVE BEEN THE MAIN
ACHIEVEMENTS SO FAR?
We have grown more agile and better able
to cope with the globalization of customer de-
mand. In the travel business, for instance, we
have created insurance and service solutions to
support global customers, which make it very
easy to add new markets. In corporate assis-
tance, we can support expats regardless of des-
tination with global Business Travel Insurance
 Risk Management solutions.
WHAT ARE THE GREATEST CHALLENGES?
Technology is both our greatest opportu-
nity, and our greatest challenge. In addition to
having built 24/7 platforms around the world
and a network of 750,000 service suppliers,
technology has become our third top strategic
asset. It helps building extraordinary customer
experience. However, technology changes
rapidly and it can be challenging to set in-
vestments at the right level. Given our fast
growing global offer, we need to deploy new
services into larger geographic areas faster.
Although we have already created global plat-
forms to serve whole areas from a single base,
we now need to replicate regional platforms
for additional business lines. Our Concierge
 CRM global unit is already operational and
will soon be extended to other continents.
Our Global Travel Service Platform has al-
ready achieved significant development.
IN WHAT WAY ARE EUROP ASSISTANCE’S
GLOBAL SOLUTIONS CHANGING
YOUR BUSINESS?
We create tailored solutions to suit our
clients, therefore everything is based on their
needs. Our offer is globalizing as fast as our cli-
ents are expanding. We therefore need to be
agile at every step, from product design to ser-
vice delivery. This starts with Sales  Market-
ing governance, which focuses on dealing with
customers’ needs, globally as well as locally. By
“cross-fertilizing” our product, we can respond
to global demand more effectively. For our cli-
ents, this reduces time to market and makes
products richer through global exposure and
best practice deployment.
3European countries deployed
with end-to-end digitalized customer
processes for Roadside assistance
ALREADY
* An innovative digital solution using motion sensors to detect unusu-
al behavior and provide assistance to elderly or housebound customers
when required.
** A commercial platform to make it easier for non-European travelers
to buy travel insurance and assistance, as well as get visa information in
the Schengen area.
17
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
Pascal Baumgarten,
Group Chief Operating Officer
PRESERVE AND
ENHANCE EUROP
ASSISTANCE’S FIRST
MOVER ADVANTAGE
nnovation is not a separate activity, but a seamlessly integrated
part of our organization and day-to-day operations. We are
constantly looking for ways to make our existing services
more convenient and accessible for our users through better use
of technology, and to develop new services addressing unmet
needs of our clients.
NEW SOURCES OF INNOVATION
Some of our innovation projects are launched following Group-wide
Problem-solving sessions; others are simply the brainchild of Europ
Assistance employees across the world, who know the company will
always support them in turning a good local idea into an international
success. Last year, as part of the process for defining the We Connect
strategic plan, Europ Assistance launched the largest call for projects
ever organized among the employees: the “We Connect Days”, in a
bid to invent the Group’s future and activities. A vast number of our
employees helped define the strategic plan by submitting innovative
ideas to the dedicated collaborative platform.
NEW SOLUTIONS FOR NEW BEHAVIORS
The exponentially growing use of smartphones has changed the way
most customers now expect to interact with an assistance company.
In order to meet these new expectations, we have launched the Digital
Road Side Assistance service, a fully end-to-end process based on
geo-location of both the customer and the towing trucks that belong
to our network.
Outdoor No Problem is an interesting example of a new product
that combines assistance and technology through a powerful GPS
platform, allowing customers to call for assistance or contact their
family or friends if they need help while trekking, mountain-climbing
or canoeing. By delivering more specific customer solutions through
a multi-channel distribution model, we are better placed to meet
changing needs in an ever more digital context and to preserve
and enhance Europ Assistance’s “first mover advantage”.
I
 DIGITAL ROADSIDE
ASSISTANCE
New app-based channel
offered to some of our
customers in France, Italy
and Spain (other countries
soon to be included)
so they can interact
with Europ Assistance,
access information on
their assistance, and rate
the quality of our service
in real-time, without the
need of voice contact
 OUTDOOR NO PROBLEM
GPS assistance platform
providing emergency
assistance to customers
during their outdoor
activities such as trekking,
canoeing and mountain-
climbing, wherever there
is phone coverage.
KEY INFORMATION
18
DIGITALIZATIONINNOVATION
CUSTOMER BENEFIT
Through the alternative
communication channels and
geo-location features we provide,
customers can choose when and
how to interact with Europ
Assistance: they can access key
information when they need it most,
and can still be reassured by also
speaking to an agent over the phone
in case of an emergency.
HOMIO
is a digital marketplace
for home repair and
maintenance services.
It connects customers
to carefully selected
professionals, who are
also rated by the
user community.
Developed for B2B
and B2C customers,
this platform integrates
payment, booking,
geo-location and
multi-channel contact.
ROADSIDE ASSISTANCE
Although applications are now being used extensively, very few
assistance or insurance players have yet exploited their full potential.
In addition to traditional phone assistance, which is best for reassuring
customers in stressful situations, Europ Assistance has launched a Digital
Roadside Assistance platform. This initiative makes it easy to provide
real-time local support and information via its application, for example
when a customer's vehicle has been repaired and is ready to be collected.
19
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
A DISRUPTIVE
NEW WORLD OF FULL
CARE SERVICES
CONCIERGE  CRM SERVICES
IN JUNE 2016, EUROP ASSISTANCE IS LAUNCHING
extremely innovative concierge and CRM services, using
advanced data analytics to smartly interact with customers
by automatically enriching their profiles each month with
fully customizable offers.
Each contact point enhances customer understanding through
the customizable services delivered.
These white label B2B2C services are designed for businesses
looking to create close, tailored relationships with their
customers by offering a remarkable experience as part of a new
era of customer relations. These concierge  CRM services will
soon be deployed in the United States and Asia.
WHAT IS SO
DISRUPTIVE?
Mechanizing
a customizable high-end
concierge service
based on advanced
data analytics.
20
FOCUSINNOVATION
THE EFMA-ACCENTURE INNOVATION IN THE INSURANCE
PROGRAM aims at identifying and awarding the most innovative
projects in the insurance and assistance sector worldwide.
The 2016 edition showcased 225 innovative projects presented
by 149 entities from 38 countries. ConnectMoi won the “best
disruptive product/service” award for its high level of innovation:
the product draws on cutting-edge home connected technology
and data analytics to enable senior customers to live at home rather
than in a retirement home.
WHAT IS SO
DISRUPTIVE?
Using cutting-edge
connected home
and data analytics
technologies to offer
seniors customers
a unique assistance
service based on
machine learning.
VOTED
“BEST DISRUPTIVE
PRODUCT/SERVICE”
CONNECTMOI
AT THE INNOVATION IN INSURANCE AWARDS
IN MILAN ON 9JUNE 2016
21
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
Béatrice Ogée,
Chief Executive Officer France
HELP CUSTOMERS
STAY HEALTHY
AND INDEPENDENT
AT HOME
 The three cornerstones
of Europ Assistance’s silver
economy offer are:
prevention, assistance
and care services
 ConnectMoi was launched
in 2016 and for the first time
sensors and artificial
intelligence are applied to
home services for elderly
or dependent customers
 Being a caring brand: using
technology to reinforce the
link between dependent
people, their relatives, and
healthcare professionals.
KEY INFORMATION
urop Assistance is a truly caring brand with offers
ranging from home  family to healthcare assistance.
We are a key player of the silver economy with products
designed to meet the needs of a new and growing generation of seniors
who want to remain active and independent, as well as all those who
may require further assistance at home.
CARING TECHNOLOGY
Our approach to care is increasingly based on new technology
and innovative solutions such as ConnectMoi, an autonomous smart
remote support service dedicated to senior customers living at home.
Through its connected box and sensors, ConnectMoi is designed
to supplement traditional phone and personal assistance by leveraging
IoT capacities and finding new ways of replacing the wearable devices
of traditional tele-assistance.
ConnectMoi allows anticipating on our senior customers’ assistance
needs and focuses on prevention, so as to optimize the timing of
interventions and the type of assistance provided. This innovative
solution enables senior customers to continue living at home rather than
in a retirement home, providing relief to their family and care givers.
CHANGING ATTITUDES TOWARDS DEPENDENCY
The ConnectMoi solution illustrates the potential change
of attitudes towards dependency: thanks to technology innovation
we can help prevent and address health issues and assistance needs
for senior customers, helping them to stay healthy and independent
at home.
The silver economy is a challenge leading to a holistic approach
of caring services for every family member. By focusing on providing
support to individuals throughout their lifetime, our aim is to adapt
our assistance services to suit their needs, not the alternative.
E
22
RESEARCH  SOCIETYINNOVATION
The latest addition to the Health business line, ConnectMoi, was launched
in France in January 2016. This innovative digital solution uses motion sensors
to analyze customers’ behavior at home over time. The sensors send data to a
“connected learning box” that uses algorithms to detect unusual behavior that may
indicate that the customer needs help. Automatic alarm signals are sent to our
assistance platform, which can contact customers directly, for example, to remind
them to drink more in hot weather; contact their family to tell them how they are;
or, when necessary, call the emergency services or healthcare specialists.
This is the first time ever that this kind of technology is applied to a home
assistance and prevention tool. ConnectMoi gives people the choice to stay
independent and live at home, while getting the care they need 24 hours a day,
7 days a week.
CONNECTMOI
CUSTOMER BENEFIT
ConnectMoi enables our senior
customers to stay at home, knowing
that help is close by if needed. This
reassures families, care givers and
healthcare professionals, while also
preserving the seniors’ independence.
23
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
GLOBAL SOLUTIONS
TO MEET OUR
CUSTOMERS’ NEEDS
Juan Carlos Guzman,
Chief Executive Officer
Western Europe
 TRAVEL GLOBAL
COMPETENCE CENTER
The international Europ
Assistance hub manages
medical assistance, claims,
health and travel-related
assistance requests.
 SCHENGEN E-SHOP
A newly launched online
service providing access to
travel insurance, assistance
and visa advice for all
non-European customers
travelling in Schengen
countries
 HOLIDAY BAROMETER
An annual survey designed
to better understand
the behavior of European,
American and Brazilian
travelers.
KEY INFORMATION
he leisure travel business is a growing sector; globally
the number of travelers is expected to double up to 2 billion
by 2020. This dynamic sector was one of the first business
lines pioneered by Europ Assistance. The We Connect strategy
continues to focus on the development potential of this strategic
business line by continuously adapting our offer to meet customers’
changing needs, creating worldwide products and providing
adjustable global services.
ASSISTING GLOBAL TRAVELERS
The annual Holiday Barometer gives us key insights into European,
American and Brazilian travel habits. Every year we notice
a cross-country convergence of the growing tendency to buy trips
and travel-associated products online: this trend is expected to reach
80% of the overall online business by 2020. In a more interconnected
and fast-paced environment, customers also give increasing
importance to cancellation covers due to such rising global risks
as terrorism and epidemics. Thanks to this enhanced understanding
we are now in a better position to design simple, relevant products.
FOCUSING RESOURCES AND EXPERTISE
Europ Assistance has set up a Travel Global Competence Center
in Madrid to assist customers all over the world with consistent,
high quality standards in all countries: through one global
multilingual contact center, EA will offer a unique point of contact
for global programs, leveraging its international expertise and
network management resources. This solution allows to quickly adapt
and expand our services to meet our customers’ evolving needs
for new markets, new languages and new services.
T
24
INTERNATIONALINNOVATION
With the aim of making it easier for non-European customers to travel
to the European Union, Europ Assistance recently launched the Schengen
E-shop. This commercial platform makes it easy for non-European
travelers to get travel insurance and assistance contracts, as well as
the useful visa information they need to visit any country within
the Schengen area. Over 15 million Schengen visas are issued each year
and there is a growing demand for a user-friendly online service, meeting
all the requirements to sell an all in one comprehensive travel and medical
insurance contract valid throughout the Schengen area. The new responsive
website is available in six languages and gives leisure and business customers
the travel and medical insurance contract they need in order to get their
visas, as well as useful tips to prepare for their journey to Europe.
SCHENGEN E-SHOP
CUSTOMER BENEFIT
 ONE online portal to manage
travel insurance, assistance and visa
information
 ONE solution covering all the travel
needs of non-European residents
in Europe
 ONE contract valid in all the
countries in the Schengen area
25
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
EUROPEAN
AND AMERICAN
SUMMER HOLIDAYS
SUMMER HOLIDAYS PLANS IN 2016
2016
2015
20142013
2012
After a rise in 2015, summer vacation plans are back to the levels of the previous
years in European countries. In the US and Brazil, the proportion of vacationers
appears higher.
16th
Europ Assistance / Ipsos Barometer
54%
61%
53%
60% 54%
BUDGET (average) TRAVEL INSURANCE
For Europeans and Americans, cancellation and medical support are
most critical when they are considering a travel insurance package.
Medical coverage
50%
Trip cancellation
47%
Emergency medical transportation
38%
ORGANISATION
64%
61%
€1,892 ($ 1,771)
€905 (BRL 1,212)
€2,247 (+ 4% vs 2015)
26
INTERNATIONALINNOVATION
FAVORITE ACCOMODATION
For most Europeans
Hotel: 40%
Except for the French
renting a house/apartment : 38%
SOCIAL NETWORKS
Europeans are very likely to divert from social
networks during the holidays
LOG OFF FROM...
WORK
71%
53%
61%
40%
36%
Contrary to
DREAM
EUROPE
Seaside
65%
City trips
17%
US
Seaside
44%
City trips
43%
FAVORITE DESTINATIONS
BRAZIL
Seaside
52%
City trips
42%
67%
27
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
Emmanuel Légeron,
Chief Executive Officer
Global Corporate Solutions
DEVELOPING
ALONGSIDE
OUR CORPORATE
CUSTOMERS
 TRAVEL RISK
INTELLIGENCE
PLATFORM
T.R.I.P is a platform providing
our business travel customers
with data and intelligence
about current worldwide
events that they need to be
aware of before they travel.
This very detailed information
is a major risk prevention
factor to mitigate health,
safety and security risks.
Our solution goes as far as
to provide alternatives to
help minimize any potential
inconvenience associated with
difficult travel conditions.
 CLUSTER APPROACH
Targeted approach provides
Industry-specific business
travel insurance and risk
management solution.
KEY INFORMATION
e have a comprehensive offer for our corporate
assistance and travel insurance customers.
We specifically address two major segments,
which have very distinct needs and requirements
when traveling for business purposes.
• Small  Medium businesses want simplicity and the right insurance
policy to cover their staff’s needs when traveling for business.
We offer them a local response, supported by our network covering
over 30 different countries.
• Large and global corporate groups with staff based in a variety
of geographic areas require global solutions. These solutions
must remain agile in a world with ever-changing requirements.
We are a global service and insurance provider, following our customers
where they are and staying on the edge of ever changing demand.
SHARING RESOURCES AND EXPERTISE:
Technology enables us to build more efficient solutions and global
operational platforms to deliver the same high quality standards across
the world. All our services, solutions and teams are interconnected. For
instance, an American business traveler in Asia can speak to our teams
in the USA or in Asia, depending on each specific demand.
We also equally draw on our strong international insurance coverage
as well as networks. We have thus pooled all of our medical networks
and manage them globally, in order to create a unique global assistance
preferred provider organization (PPO) to support the ambition of our
corporate customers in the sectors of Corporate and Health assistance
and Business Travel insurance.
GLOBAL STRUCTURE WITH STRONG LOCAL DEDICATION
We combine a global business structure to keep up with the
globalized business of our corporate clients, but remain a firmly rooted
assistance company, closely connected to local assistance networks
and customers.
W
28
INTERNATIONALINNOVATION
CUSTOMER BENEFIT
We provide our corporate clients with
one easy to manage travel insurance and
medical assistance solution, adapted to
their industry-specific needs and tailored
to suit their geographical footprint.
This goes far beyond adapting certain
benefits and features. From prevention
to risk mitigation, our solutions are co-
created with clients. They apply to
a precise set of circumstances specific
to each corporate client.
BTRM is a unique customizable solution. When we offer our BTRM
solutions to the corporate market, we are in a position to replicate
them very quickly and deploy them in different countries within
various legal and compliance environments. All our BTRM solutions
have the same identity and are systematically customized to meet
local specifications. Our BTRM solutions also include “Industry
Specific” products in order to fit to 100% of our corporate clients'
needs. We are therefore more specialized and easier to embed into
a corporate PC insurance program. We have for instance launched
solutions dedicated to the construction industry and are now focusing
on the aviation and marine insurance markets.
BUSINESS TRAVEL RISK MANAGEMENT (BTRM)
29
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
30
INTERNATIONALINNOVATION
Ludovic Bayard,
General Manager,
Generali Employee Benefits
COOPERATING WITH GENERALI
A HOLISTIC APPROACH
ver time we have come to realize that companies need unified
support to adopt a comprehensive and coordinated approach
to risk management. With dedicated operations, we can
provide simplified access to top-level insurance and assistance solutions
meeting a wide range of risk management needs from employee benefits
to care services and property. We help companies expand globally.
TAKING EXPATRIATION TO NEW LEVELS
Delivering a unique insurance platform creates value for customers in
terms of benefit design and governance. Our leadership in expatriate
solutions proves this point. The long-term cooperation between Gen-
erali Employee Benefits and Europ Assistance has led us to develop an
integrated insurance and assistance offer that responds to the specific
challenges of mobile employees. With features ranging from emergency
evacuation to personalized assistance, our comprehensive offer is of par-
ticular value to companies operating in high-risk environments.
Thanks to new technology and intelligence capabilities, we now offer
more sophisticated reporting tools, which help companies get the most
out of a coordinated risk management strategy.
PRESENTING A COHERENT AND UNITED FRONT
Our customers are reacting positively and they can see the added-value
Generali's offer. In 2015 Generali was the main sponsor of the FERMA
Forum (run by the leading European risk management association) where
we had the opportunity to present our joint connected offer to the risk
management community.
O
“Get the most out of a coordinated
risk management strategy”
Together with Generali Employee Benefits, Generali Global
Health and Generali Corporate and Commercial,
we can provide a broad and comprehensive service offer
to our corporate customers.
31
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
Paolo Ribotta,
Head of Global Corporate
 Commercial Generali
“We offer a 360° solution
for risk management and
value-adding services, not a
series of unrelated products.”
TO FOSTER
oining forces allows us to capitalize on the skills and experi-
ence of each department to bring assistance and insurance
to a new, higher level. We cover a far wider spectrum of
corporate requirements for businesses of all sizes.
Last year, with a view to adapting our industry-specific approach, we
launched a construction offer targeting international construction com-
panies operating in remote areas like Amazonia. This modular solution
has received positive feedback for it holistic approach that can be easily
customized.
MEETING THE CHALLENGES OF TECHNOLOGY
This year, we have extended our focus to other industries including cyber
security. One of the drawbacks of sophisticated technology is the ease
with which corporate identities can be stolen. Since the spring of 2016,
a dedicated ID theft package has been marketed by Europ Assistance
jointly with Generali in the USA. This innovative solution is a conven-
ient aid for companies through the complex and time-consuming pro-
cess of getting their identity back, by providing assistance, compensation
for loss of wages, risk transfer and restoration..
BEYOND INDIVIDUAL PRODUCTS
Traditionally, insurance companies try to push different off-the-shelf
solutions. However, the needs of our corporate customers are increas-
ingly interrelated - companies want a 360° solution for risk management
and value-adding services, not a series of unrelated products.
Europ Assistance and Generali jointly provide this broad and compre-
hensive approach.
J
To offer services designed to
resolve difficult and stressful
situations, we have developed a
strong “caring” culture. In order to
extend this to the very heart of our
organization, we have launched a
programtomonitorandactoncus-
tomer satisfaction (NPS)* simulta-
neously through 10 entities (p34)
and deployed lean management
across our main subsidiaries
(p37-38).
We have also launched a global
CSR** program initially focusing
on disability (p40).
* Net Promoter System
** Corporate Social Responsibility
CUSTOMER SATISFACTION LEAN MANAGEMENT SOCIAL CORPORATE RESPONSABILITY
32
FOR PEOPLE
FOR
PEOPLE
#NonStopCaring
33
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
Pierre Brigadeau,
Group Chief Sales  Marketing Officer,
Global Head of Business Lines
BUILDING A TRULY
CUSTOMER-CENTRIC
CULTURE
 With NPS, detractors* are
systematically contacted to
better understand the reasons
for their dissatisfaction and to
take action to correct the root
causes of dissatisfaction and
improve customer experience.
* people who are unlikely to recommend
the experienced services
KEY INFORMATION
e are fortunate: we work in a human-centric
service business. Our mission is to protect, assist
and provide our clients with peace of mind.
All over the world, our customers express the same universal
needs. They want us to be fast, human, caring and efficient.
SATISFYING CUSTOMERS TO BUILD A LONG-LASTING
RELATIONSHIP WITH THEM AND EXPAND OUR BUSINESS
Customers want us to be available whenever and wherever it
is convenient for them. We quickly respond to our customers
by providing a unique, delightful experience. This makes us stand
out, and make them recommend our brand to their friends, family
and peers. Europ Assistance has worked hard to attract customers.
Satisfying them is the best thing we can do to make them stay
with us, and expand our business.
LISTENING AND RESPONDING TO CUSTOMERS’S DEMAND:
THIS FORMS PART OF THE EUROP ASSISTANCE DNA
We launched the Net Promoter System (NPS) program in early
2016 and we can already see the business benefits now. NPS is about
transforming the way we work; it helps us listen to customers
so that their voices can be heard at the heart of our company, where
it drives change and shows us what we need to adjust or adapt.
Our priority now is to make use of NPS within Europ Assistance
as a tool to give our managers and employees the information and
insight into their customers’ desires that they lacked in the past.
NPS and Europ Assistance are a natural fit: listening and responding
to customers demand already forms part of Europ Assistance’s DNA.
W
34
CUSTOMER SATISFACTIONFOR PEOPLE
THE NET PROMOTER SYSTEM: SIMPLE AND POWERFUL
NPS is a simple and powerful tool. It asks just a few straightforward questions designed
to provide insight on the customer’s state of mind. Namely, ‘How likely are you to
recommend Europ Assistance to your friends, peers or family, and why?’ The survey is easy
to complete, which helps us achieve significant response rates. NPS allows us to categorize
customers as “Promoters,” i.e., people who are likely to recommend the experience they
had with Europ Assistance, and “Detractors,” i.e., people who are unlikely to recommend
the experienced services. Every single employee, including CEOs and top managers,
systematically call Detractors back in order to understand the reasons for the client's
dissatisfaction and identify actions we can take to actually improve that experience for the
next customer. This is a journey, a deep cultural change in the way we operate and the way
we serve our customers. This makes the difference in the competition.
10
ENTITIES
NPS has been launched
simultaneously in 10 entities
in 2016
35
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
“In 2015, Europ Assistance
was voted the most
caring brand in France.
This reward is both
very heart-warming
and humbling. It is an
acknowledgment of the
company’s great history
and of the way we operate
to deliver best in-class
quality service to
our customers”
36
INTERVIEWFOR PEOPLE
CONSTANTLY
THINKING OVER THE WAY
WE WORK
Pascal Baumgarten,
Group Chief Operating Officer
HOW ARE NEW DIGITAL TECHNOLOGIES
IMPACTING YOUR BUSINESS?
The assistance market is undergoing
major changes, fueled by the growing impor-
tance of the digital technologies. Roadside
assistance is an interesting case study. In re-
cent years, the advent of mobile phones and
then smartphones changed the way we com-
municate both with our customers and with
towing trucks. Today, the use of telematic
boxes in vehicles means that cars can auto-
matically send an alert signal in the event
of a breakdown. Tomorrow, we will need
to adapt to self-driving cars. Each new wave
entails a major change in our interaction
model with customers. This is also true in
all of our other business lines.
HOW ARE YOU ADAPTING TO
THE GLOBALIZATION OF TOURISM
AND BUSINESS TRAVEL, ANOTHER
MAJOR CHANGE THAT IS IMPACTING
YOUR SECTOR?
To adapt our Travel activity to this
globalization trend, we have international
skillscenterscapableofdeliveringserviceson
a global scale, with a consistent level of qual-
ity and standard processes for our customers,
wherever they are or come from. In Europe,
our travel skills center in Madrid already
services numerous international contracts.
WHAT DO YOU DO TO BETTER SERVE
YOUR CUSTOMERS IN THIS CHANGING
ENVIRONMENT?
Thinking over the way we work and
how we use technology to better serve our
customers is a priority for Europ Assistance.
We need to constantly challenge our pro-
cesses and organization to keep up with the
changing environment and continue to pro-
vide best-in-class service to our customers.
Our Lean Management program, combined
with our Net Promoter System, plays a key
role in our strategy. Furthermore, to improve
the efficiency of our Corporate governance,
we have set up a weekly Group Management
Committee and a Delivery Board mobilizing
all our operational managers to share objec-
tives and manage accountability.
WHAT ARE YOUR KEY CHALLENGES TODAY?
We have high growth ambitions for the
coming years, which call for the develop-
ment of new services and new offers, while
simultaneously maintaining our profitabil-
ity. This balance demands a high level of
agility. As a result, one of our key challeng-
es is to prioritize the allocation of resources.
2015 was the first implementation year
of the We connect Strategy, and we have
proven our ability to deliver growth while
investing for the future. We need to main-
tain this momentum over the coming years.
11.6
MILLION
number of cases handled
by Europ Assistance
in 2015
37
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
Antoine Parisi,
Group Chief Executive Officer
e are constantly looking for ways to improve how
we operate, and Lean Management is the best path
to achieve our goals. Lean Management fits into
a continued improvement process and changes the way we work, im-
pacting our corporate culture. This is a strategic program and the role
of top management is crucial to lead it to success. Lean Management
means much more than just productivity gain and waste disposal: it is
a complete cultural transformation, requiring new management prac-
tices, new behaviors and habits. Lean Management is about custom-
er-centricity and employees’ commitment.
WE WANT TO FOSTER THE EMPOWERMENT AND INVOLVEMENT
OF THE PEOPLE WHO ARE ON THE FRONT LINE
Through the deployment of Lean Management across all our companies
worldwide, we want to foster the empowerment of our teams and ac-
celerate our decision-making process to continue to deliver best-in-class
service to all our customers. We want to foster the empowerment and
involvement of the people who are on the front line, giving them the
power to decide and address issues. Our client-facing staff knows cus-
tomer expectations better. They can identify issues and should contrib-
ute to solving them. This is the spirit of Lean Management, as initially
launched by Toyota in Japan decades ago. We want to encourage the
attitudes of listening, deciding, explaining and doing. This is strategic as
it puts the customer at the heart of our actions.
WE EXPERIENCE THE CHANGE
We are already noticing great results. All our customers should visit our
platforms to feel the true spirit of Lean Management in action. I am
confident that Lean Management will further improve our already high
quality of service and employee commitment.
LEAN MANAGEMENT
CHANGES THE WAY
WE WORK
In 2015, we deployed a major Lean Management program
across the Group. Beyond improved efficiency to deliver better
service to customers, Lean management is expected to translate
into a stronger and more responsive operating culture.
THE AIM OF
LEAN MANAGEMENT
 changing the way we work
 empowering our people
 improving efficiency,
quality, and customer value.
 eliminating waste
W
38
FOCUSFOR PEOPLE
Pascal Baumgarten,
Group Chief
Operating Officer
“Our objective is to
systematically challenge
our organization to
ensure that we always
serve customers first!”
ustomers are at the heart of all our actions. This is why
Lean Management is such an important program - it fo-
cuses on customers’ needs. Through the implementation
of this Group-scale Lean program, our objective is to systematically
challenge our processes, behaviors and organization to ensure that we
are all focused on the common goal of providing the most appropriate
service to our customers.
RELYING ON INTERNAL RESOURCES
Lean Management was initiated by the Operations department and will
gradually be rolled out across all functions and countries. Rather than only
hiring external consultants to deploy the Lean Management program,
we chose to rely on internal resources to build up the Lean Management
culture. In practice, we make important investments in each country
by setting up a full Lean Management team comprising experienced
lean experts and internal operational people. They will do field work to
support the transition and implement the Lean Management culture
before the operational teams become fully self-sufficient. A key success
factor is the close involvement of top management.
C
39
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
CARING
FOR OTHERS
Els Van de Water,
Group Chief Human Resources
and Communication Officer
2015 was a landmark for the
sharing of Europ Assistance’s
values, inherited from Generali.
 DELIVER ON
THE PROMISE
We are committed to proving
that we can live up to the
standards we set for ourselves
 VALUE OUR PEOPLE
We value diversity amongst
our employees, irrespective
of gender, religion, origin,
or age
BE OPEN
We encourage open
discussion and exchange to
better achieve our goals
LIVE THE COMMUNITY
We play a key role in the
development of social
communities wherever
we operate.
OUR VALUES
ver since its creation, Europ Assistance has been driven
by the same mission: caring for people and improving
their lives by providing services that resolve difficult
or stressful situations. These values are at the heart of the Europ
Assistance Corporate Social Responsibility (CSR) approach towards
its employees, partners, service providers and customers. First and
foremost, the Group intends to further strengthen the relationship
between its employees and customers, as this is already a key point
recognized by our employees, as revealed by the first Group-wide
engagement survey we launched in 2015.
DEVELOPING A GLOBAL CSR APPROACH	
Europ Assistance has always developed many CSR initiatives at
a local level. Education, health, social entrepreneurship, green actions
to protect the environment, helping families in need: the scope of
its actions is quite broad. In 2015, Europ Assistance decided to initiate
a global CSR approach, to optimize and maximize the impact.
MAKING LIFE EASIER FOR INDIVIDUALS WITH DISABILITIES
The first step of this global CSR approach was the launch of a global
initiative towards individuals with disabilities. Europ Assistance has
a large number of employees and customers with disabilities, and
therefore disability is at the heart of the Group’s concerns. Supported
by the Group Management Committee members who are sponsoring
the various actions, this Group-scale initiative is based on three
major cornerstones: making life easier for Europ Assistance employees
with disabilities; adapting our services to the needs of customers
with disabilities and developing innovative products designed
for individuals with disabilities. To promote employee awareness
and involvement in this respect, the Group organizes dedicated
meetings focused on the topic of disabilities, mobilizing employees,
management teams as well as external stakeholders worldwide.
E
40
CORPORATE SOCIAL RESPONSIBILITYFOR PEOPLE
MARKETING AND
COMMUNICATION TEAMS
CristinaTriola,
Italy
Alec Khindria,
Group Corporate
Solutions
Tiffany Glass,
USA
Bob Chamber,
USA
Alexandra Carvalho
 Maria Matos
Portugal
Rosario Pipolo,
Italy
Lorena Gilmartin,
Italy
Els Van De Water,
EA Global
Laura Ramundo,
Italy
Justyna Niebutkowska,
Poland
Eugenia Buggs,
USA
Anne-Sophie Jorez
Fabrice Gorget
Françoise Passeron,
France
Cyrielle Soldani,
EA Global
Camille Pellet,
EA Global
Rachel Wang,
China
Cristina Pettazzi,
EA Global
Chiara Giglio,
Italy
Stefania Ughi,
Italy
Olivia Tamboryn,
Peru
Michal Egert,
Czech Republic
Xavier Van Caneghem,
Belgium
Serpil Akyol Erden,
Turkey
41
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
OUR SUBSIDIARIES
WORLDWIDE
EUROP ASSISTANCE GLOBAL
2 rue Pillet-Will, 75309 Paris cedex 09 - France
www.europ-assistance.com
+33 (0)1 58 34 23 00
EUROP ASSISTANCE -
GLOBAL CORPORATE SOLUTIONS (GCS)
2 rue Pillet-Will, 75309 Paris cedex 09 - France
www.gcs.europ-assistance.com
+33 (0)1 58 34 23 79
GCS Angola
Europ Assistance IHS Services Angola, Lda
Rua Comandante Stona n°144 - Bairro Alvalade - Luanda
+244 222 012 639
GCS Chad
Europ Assistance IHS Services Tchad
Centre Médical Europ Assistance N’Djamena
Route de Farcha, Base SOGEA SATOM, Porte n°5
BP 762, N’Djamena
+235 22 52 74 94
GCS Congo
Europ Assistance-IHS Services Congo SARLU
CMC Medico Medical Center- c/o CMC Medico, Quartier
Centre-Ville - B.P.4473 Pointe Noire
GCS French Polynesia
Europ Assistance Océanie - 22 rue Nansouty
BP 40196, - 98713 Papeete, Tahiti
+689 50 78 50
GCS Niger
Europ Assistance Niger SARLU
Route de Tillabéry, Quartier Plateau,
Bld de l’Indépendance, sise Agence SONIBANK
Plateau Face siège de l’UEMOA,
BP11354, Niamey
GCS Nigeria
Europ Assistance-IHS Services Nigeria Limited
Unicem Calabar Medical Centre
Bishop Moynah Avenue, State Housing Estate,
PMB 1017, Cross River State, Calabar
+234 706 782 72411
ARGENTINA
Pellegrini 1163, 9° piso, (C1009ABW), Buenos Aires
www.europ-assistance.com.ar
+54 (11) 4322 4700
AUSTRIA
Kratochwjlestrasse 4 - 1220 Wien
www.europ-assistance.at
+43 1 319 55 70
BAHAMAS
Care Management Network Inc.Carlos - 83 Sandringham
House, Shirley Street - P. O. Box AP 59217 slot 2052 - Nassau
+1 242 397 04 27
BELGIUM
Bld. du Triomphe - 172 B - 1160 Brussels
www.europ-assistance.be
+32 (0) 2 533 75 75
BRAZIL
Avenida Juruá, 320
CEP: 06455-010 - Alphaville - Barueri - SP
www.europ-assistance.com.br
+55 11 4133-9080 / +55 11 4133-9498
CANADA
150 Commerce Valley Drive West, 9th Floor - Thornhill -
Ontario - L3T 7Z1
www.gcs.europ-assistance.com
+1 905 669 4333
CHILE
Avenida Andrés Bello 2115, Piso 2, Providencia, Santiago de Chile
www.europ-assistance.cl
+56 (2) 25 83 68 00
CHINA
Room 501,Building B,Golden Eagle Mansion No 1518
Minsheng Rd.Pudong New District, Shanghai, 200 135 P.R.
www.europ-assistance.com.cn
+86 21 6146 1805
CZECH REPUBLIC
Na Pankraci 1658/121 - 140 00 Praha 4
www.europ-assistance.cz
+420 221 586 111
FRANCE
1 promenade de la Bonnette - 92633 Gennevilliers Cedex
www.europ-assistance.fr
+33 (0)1 41 85 85 85
Bien-Être Assistance - Bien-Être à la Carte
1, rue Mozart - 92587 Clichy Cedex
www.bienetrealacarte.com
+33 (0)1 53 58 73 00
Océalis
14 terrasse Bellini - 92800 Puteaux
www.ea-lateleassistance.com
+33 (0)1 70 72 46 10
g concierge
2, rue Pillet-Will
75009 Paris
France
www.generaliconciergeservices.com/
+33 (0)1 58 38 67 00
GERMANY
Adenauerring 9
D-81737 München
www.europ-assistance.de
+49 (0)89 55 987 0
42
FOR PEOPLE WORDWIDE
GREECE
Pireus st. 205  Panagi Tsaldari
Tavros 17778, Athens
www.europ-assistance.gr
+30 210 349 7000
HUNGARY
Europ Assistance Hungary
1134 Budapest - Dévai utca 26-28
www.europ-assistance.hu
+36 1 458 44 25
INDIA
Europ Assistance India Pvt. Ltd.
C-301, Business Square
Andheri Kurla Road, Chakala
Andheri (East), Mumbai - 400093
www.europ-assistance.in
+91 22 6734 7878
IRELAND
4th Floor, 4–8 Eden Quay, Dublin 1, D01 N5W8
corporate.europ-assistance.com/ireland
+353 (0) 1 897 3200
ITALY
Piazza Trento, 8 - 20135 Milano
www.europassistance.it
+39 02 58 38 41
LUXEMBOURG
46 rue Léon Laval
L-3372 Leudelange
www.europassistance.lu/
+352 437 440
PERU
Europ Assistance S.A. Sucursal del Perú Av. Santa Cruz
N° 875, Piso 7, Miraflores, Lima
www.europ-assistance.pe
+51 (1) 630 9889
POLAND
ul. Wołoska 5, 02-675 Warsaw
www.europ-assistance.pl
+48 22 205 50 00
PORTUGAL
Avenida Columbano Bordalo Pinheiro nº75
10º andar, 1070-061 Lisbon
www.europ-assistance.pt
+351 21 386 00 03
ROMANIA
Europ Assistance Romanian Branch
59th Popa Tatu Street, 2nd Floor, 6th Flat
010803 Bucharest
www.europ-assistance.ro
+40213006096
RUSSIA
Letnikovskaya st. 11/10, b.3 - 115114 Moscow
www.europ-assistance.ru
+7495 787 2179
SERBIA
Europ Assistance Hungary - Ogranak u Beogradu
Gandijeva 76a, 11070 Novi Beograd
www.europ-assistance.rs
+381(11)2284582
SINGAPORE
3 Anson Road #24-03 - Springleaf Tower, Singapore 07990
www.europ-assistance.com
+65 6557 2129
SOUTH AFRICA
Valley View Office Park - 680 Joseph Lister Street
Constantia Kloof, Ext 31
www.europassistance.co.za
+27 (0)11 991 8000 / 9000
SPAIN
Calle Orense, 4
28020 Madrid
www.europ-assistance.es
+34 91 514 99 00
SWITZERLAND
Avenue Perdtemps 23 - CP 3200, CH-1260 Nyon
www.europ-assistance.ch
+41 22 939 22 44
TURKEY
Ortaklar Caddesi Bahçeler Sokak No:20
Kat:2 Mecidiyeköy, Istanbul
www.europ-assistance.com.tr
+90 (0) 212 337 20 02
USA
4330 East West Highway, Suite 1000
Bethesda, MD 20814
www.europassistance-usa.com
+1 240 330 1000
CSA Travel Protection
4181 Ruffin Road, Suite 150
San Diego, CA 92123
www.csatravelprotection.com
+1 858-810-2004
GMMI Inc.
1300 Concord Terrace, Suite 300,
Sunrise FL 33323
www.gmmi.com
■ COMPANIES AND BRANCHES
Design  production:
Photo credits: Cover: GettyImages/ svetikd – Portraits : La Company /
Frédéric Stucin – Inside pages: GettyImages/ Thomas Barwick,
Ivanko_Brnjakovic, Shui Ta Shan, Matteo Colombo, Portra Images, Imgorthand,
svetikd, Javier Pierini, Teery Vine, Guido Mieth, Stockbyte, GraphicObsession,
Blend Images, Image source, Ojo Images
YOU CAN FIND FULL DETAILS, OF THE
ASSISTANCE GROUP’S COMPANIES
AT WWW.EUROP-ASSISTANCE.COM
43
EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
2, rue Pillet-Will
75309 Paris cedex 09
www.europ-assistance.com

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Discover the new activity report 2015-2016

  • 1. #NonStopCaring A new generation of connected and digital assistance services is emerging to continuously improve people's lives. ACTIVITY REPORT 2015-2016
  • 2.
  • 3. #NonStopCaring We improve people’s lives by providing services that resolve difficult or stressful situations. We deliver these services by leveraging our professional resources, 24/7 contact points, technology and global networks of certified partners.
  • 4. VOTED THE MOST CARING BRAND IN FRANCE *Ex-aequo with Blablacar, A BVA survey for « Change », a communications agency The new Observatory of caring brands ranked Europ Assistance number one in France*, out of 150 brands in 20 different sectors. Its purpose is to assess how people perceive the brands’caring strategy: do they consistently improve their lives? Are they attentive in the interaction? BELGIUM > Insurance Award in the Travel Insurance category for the NoGo annual travel cancellation insurance BRAZIL Gaivota de Ouro Award (insurance market) Cobertura Performance Award, for the quality of service Melhores do Seguro 2015 Award FRANCE Bronze Trophy for Insured Services in the health prevention and eHealth solutions category HUNGARY Business Superbrands Award for the 3rd time POLAND Consumers’ Choice 2016 for assistance to car insurance USA A silver Stevie© award for the Identity Protection Team A Blue chip award for its culture of leadership and success TEN RECENT AWARDS FOR QUALITY SERVICES AROUND THE WORLD •VO TED1ST C ARING BR ANDIN2 016 1st prize for ConnectMoi - Best disruptive product/service - Efma Accenture Innovation in Insurance awards 02
  • 5. THE GROUP P.06-07 We Connect strategy: delivering on our promises P.08-09 TheGroupManagementCommittee P.10-11 Key Figures P.12-13 The Europ Assistance world INNOVATION P.16-17 We create tailored solutions to suit our clients’ needs P.18-19 Preserve and enhance Europ Assistance's first mover advantage P.20 Concierge CRM services: A disruptive new world of full care services P.21 ConnectMoi: Voted “best disruptive product/service” P.22-23 Help customers stay healthy and independent at home P.24-25 Global solutions to meet our customers' needs P.26-27 European and American summer holidays P.28-29 Developingalongsideourcorporate customers P.30-31 Cooperating with Generali to foster a holistic approach FOR PEOPLE P.34-35 Building a truly customer-centric culture P.36-37 Constantly thinking over the way we work P.38-39 Lean management changes the way we work P.40-41 Caring for others P. 42-43 Our subsidiaries worldwide 03
  • 6. In 2015, Europ Assistance launched its We Connect strategy and restructured its governance. This activity report reflects the initial achievements, and gives an outlook on tomorrow’s assistance market, in which the Group will definitely play a key role. GROUP GOVERNANCESTRATEGY THE GROUP 04
  • 7. IN THE GROUP #NonStopCaring EUROP ASSISTANCE ACTIVITY REPORT 2015-2016 05
  • 8. “The first achievement of our new management team, in the perspective of our ambitious We Connect strategy is that Europ Assistance is back on the path of high growth” 06 THE GROUP CEO'S MESSAGE
  • 9. WE CONNECT STRATEGY: DELIVERING ON OUR PROMISES Antoine Parisi, Group Chief Executive Officer Europ Assistance has been an industry pioneer ever since it was creat- ed 53 years ago, and its tremendous success is yet another expression of Europ Assistance’s innovative approach. Our We Connect strategy was just launched in 2015 and has already lead up to several innovations that have boosted our revenues’ growth by 8% as compared to 2014. I am also very proud of the launch of our Lean Management program in Italy, France and Spain. This strategic program means a lot more than just improving our processes. It entails a transformation of our core culture and is changing the way we work to better serve our customers. In 2015, we also achieved the best financial results in the group’s history, thus making it possible to fully finance our transforma- tion and confirming our position as one of the world’s leading and top performing assistance groups. Looking ahead, I am very confident. We have the opportunity of op- erating in a growing market, which is expected to grow even further, fueled by technology innovation. In addition, the assistance market benefits from several positive trends: the booming travel industry- with the number of travelers expected to increase globally to 2 billion by 2020 - and the growing car market - with China and India emerging as leader countries in terms of new vehicle registrations. As a result, our two key business lines – travel and automotive – are expected to achieve significant growth. Also, our Health, Home Family and Concierge services activities are being stimulated by two factors: the increasing demand for services and the development of new high-tech offers built on digital innovations. Our key opportunity going forward will be to capitalize on the poten- tial gain from new developments in technology and artificial intelli- gence. +8%to € 1,405 M in 2015 REVENUE +15%to € 94 M in 2015 OPERATING RESULT 07 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 10. THE GROUP MANAGEMENT COMMITTEE CUSTOMER-CENTRIC GROUP MANAGEMENT COMMITTEE, WITH AN EFFECTIVE CORPORATE GOVERNANCE MINDSET The creation of the Europ Assistance Group Management Committee (EA-GMC) has made it possible to streamline our corporate governance and organization to foster effective and transparent decision-making. It promotes more agile decision-making processes and accelerates the transformation of our group, in a rapidly changing world. It also places our customer’s needs at the heart of the Group’s governance. This is boosting cooperation between teams across the world. We can better focus on achieving our We Connect strategic plan and deliver enhanced value for our customers. ➊ BRUNO SCARONI Chief Executive Officer Italy ➋ ELS VAN DE WATER Group Chief Human Resources and Communication Officer ➌ JUAN CARLOS GUZMAN Chief Executive Officer Western Europe ➍ ANTOINE PARISI Group Chief Executive Officer ➎ PASCAL BAUMGARTEN Group Chief Operating Officer ➏ PIERRE BRIGADEAU Group Chief Sales Marketing Officer, Global Head of Business Lines ➐ BÉATRICE OGÉE Chief Executive Officer France ➑ STÉPHANE VERMERSCH Group Chief Financial Officer 1 2 08 THE GROUP CORPORATE GOVERNANCE
  • 12. BEING MOST DYNAMIC AND EFFICIENT € 1,405million CONSOLIDATED REVENUE Vs 1,300 in 2014 €94million OPERATING RESULT Vs €86 million in 2014 10 KEY FIGURES 2015THE GROUP
  • 13. PROVIDING MOST INNOVATIVE AND RELEVANT SOLUTIONS 1 million interventions TRAVEL 3.3 million interventions OTHER ASSISTANCE OPERATION 300MILLION CUSTOMERS 5 million interventions AUTOMOTIVE 1 million interventions HOME FAMILY 1.3 million interventions HEALTH 11.6 MILLION INTERVENTIONS in 130 countries 11 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 15. CALL CENTERSAGENT'S OFFICES 29,225 PLANE TICKETS ISSUED TO REPATRIATE OUR CUSTOMERS 2 CALLS HANDLED EVERY SECOND ACROSS THE WORLD 1 INTERVENTION EVERY 2 SECONDS 7,749 AIR AMBULANCE FLYING HOURS SUBSIDIARIES 13 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 16. Europ Assistance nurtures a pioneer- ing spirit, exploring the extraordinary potential of technology innovation to be adapted and developed across its five business lines: travel, automotive, home family, health, concierge CRM services. In 2015/16, the Group launched several new products rang- ingfromaDigitalRoadsideAssistance program (p19), to the ConnectMoi solution(p23),SchengenE-shop(p24) and a “three solutions, one partner” offer targeting large multinationals (p28-29-30). INNOVATION WORLDWIDERESEARCH SOCIETY 14 INNOVATION
  • 18. “Technology helps us build extraordinary customer experience” 16 INTERVIEWINNOVATION
  • 19. WE CREATE TAILORED SOLUTIONS TO SUIT OUR CLIENTS’ NEEDS Pierre Brigadeau, Group Chief Sales Marketing Officer, Global Head of Business Lines CAN YOU HIGHLIGHT OTHER MATERIAL ASPECTS OF THE WE CONNECT STRATEGY, FOCUSING ON GLOBALIZATION, TECHNOLOGY CUSTOMERS? These three elements are closely connect- ed. In all our business lines, the offer is increas- ingly driven by the way consumers use tech- nology. For instance, in Roadside Assistance, we have digitalized end-to-end assistance ser- vices to make customer experience easier at key moments and provide information when users need it most. Similar initiatives from the other business lines include ConnectMoi* and the Schengen E-shop**. WHAT HAVE BEEN THE MAIN ACHIEVEMENTS SO FAR? We have grown more agile and better able to cope with the globalization of customer de- mand. In the travel business, for instance, we have created insurance and service solutions to support global customers, which make it very easy to add new markets. In corporate assis- tance, we can support expats regardless of des- tination with global Business Travel Insurance Risk Management solutions. WHAT ARE THE GREATEST CHALLENGES? Technology is both our greatest opportu- nity, and our greatest challenge. In addition to having built 24/7 platforms around the world and a network of 750,000 service suppliers, technology has become our third top strategic asset. It helps building extraordinary customer experience. However, technology changes rapidly and it can be challenging to set in- vestments at the right level. Given our fast growing global offer, we need to deploy new services into larger geographic areas faster. Although we have already created global plat- forms to serve whole areas from a single base, we now need to replicate regional platforms for additional business lines. Our Concierge CRM global unit is already operational and will soon be extended to other continents. Our Global Travel Service Platform has al- ready achieved significant development. IN WHAT WAY ARE EUROP ASSISTANCE’S GLOBAL SOLUTIONS CHANGING YOUR BUSINESS? We create tailored solutions to suit our clients, therefore everything is based on their needs. Our offer is globalizing as fast as our cli- ents are expanding. We therefore need to be agile at every step, from product design to ser- vice delivery. This starts with Sales Market- ing governance, which focuses on dealing with customers’ needs, globally as well as locally. By “cross-fertilizing” our product, we can respond to global demand more effectively. For our cli- ents, this reduces time to market and makes products richer through global exposure and best practice deployment. 3European countries deployed with end-to-end digitalized customer processes for Roadside assistance ALREADY * An innovative digital solution using motion sensors to detect unusu- al behavior and provide assistance to elderly or housebound customers when required. ** A commercial platform to make it easier for non-European travelers to buy travel insurance and assistance, as well as get visa information in the Schengen area. 17 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 20. Pascal Baumgarten, Group Chief Operating Officer PRESERVE AND ENHANCE EUROP ASSISTANCE’S FIRST MOVER ADVANTAGE nnovation is not a separate activity, but a seamlessly integrated part of our organization and day-to-day operations. We are constantly looking for ways to make our existing services more convenient and accessible for our users through better use of technology, and to develop new services addressing unmet needs of our clients. NEW SOURCES OF INNOVATION Some of our innovation projects are launched following Group-wide Problem-solving sessions; others are simply the brainchild of Europ Assistance employees across the world, who know the company will always support them in turning a good local idea into an international success. Last year, as part of the process for defining the We Connect strategic plan, Europ Assistance launched the largest call for projects ever organized among the employees: the “We Connect Days”, in a bid to invent the Group’s future and activities. A vast number of our employees helped define the strategic plan by submitting innovative ideas to the dedicated collaborative platform. NEW SOLUTIONS FOR NEW BEHAVIORS The exponentially growing use of smartphones has changed the way most customers now expect to interact with an assistance company. In order to meet these new expectations, we have launched the Digital Road Side Assistance service, a fully end-to-end process based on geo-location of both the customer and the towing trucks that belong to our network. Outdoor No Problem is an interesting example of a new product that combines assistance and technology through a powerful GPS platform, allowing customers to call for assistance or contact their family or friends if they need help while trekking, mountain-climbing or canoeing. By delivering more specific customer solutions through a multi-channel distribution model, we are better placed to meet changing needs in an ever more digital context and to preserve and enhance Europ Assistance’s “first mover advantage”. I DIGITAL ROADSIDE ASSISTANCE New app-based channel offered to some of our customers in France, Italy and Spain (other countries soon to be included) so they can interact with Europ Assistance, access information on their assistance, and rate the quality of our service in real-time, without the need of voice contact OUTDOOR NO PROBLEM GPS assistance platform providing emergency assistance to customers during their outdoor activities such as trekking, canoeing and mountain- climbing, wherever there is phone coverage. KEY INFORMATION 18 DIGITALIZATIONINNOVATION
  • 21. CUSTOMER BENEFIT Through the alternative communication channels and geo-location features we provide, customers can choose when and how to interact with Europ Assistance: they can access key information when they need it most, and can still be reassured by also speaking to an agent over the phone in case of an emergency. HOMIO is a digital marketplace for home repair and maintenance services. It connects customers to carefully selected professionals, who are also rated by the user community. Developed for B2B and B2C customers, this platform integrates payment, booking, geo-location and multi-channel contact. ROADSIDE ASSISTANCE Although applications are now being used extensively, very few assistance or insurance players have yet exploited their full potential. In addition to traditional phone assistance, which is best for reassuring customers in stressful situations, Europ Assistance has launched a Digital Roadside Assistance platform. This initiative makes it easy to provide real-time local support and information via its application, for example when a customer's vehicle has been repaired and is ready to be collected. 19 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 22. A DISRUPTIVE NEW WORLD OF FULL CARE SERVICES CONCIERGE CRM SERVICES IN JUNE 2016, EUROP ASSISTANCE IS LAUNCHING extremely innovative concierge and CRM services, using advanced data analytics to smartly interact with customers by automatically enriching their profiles each month with fully customizable offers. Each contact point enhances customer understanding through the customizable services delivered. These white label B2B2C services are designed for businesses looking to create close, tailored relationships with their customers by offering a remarkable experience as part of a new era of customer relations. These concierge CRM services will soon be deployed in the United States and Asia. WHAT IS SO DISRUPTIVE? Mechanizing a customizable high-end concierge service based on advanced data analytics. 20 FOCUSINNOVATION
  • 23. THE EFMA-ACCENTURE INNOVATION IN THE INSURANCE PROGRAM aims at identifying and awarding the most innovative projects in the insurance and assistance sector worldwide. The 2016 edition showcased 225 innovative projects presented by 149 entities from 38 countries. ConnectMoi won the “best disruptive product/service” award for its high level of innovation: the product draws on cutting-edge home connected technology and data analytics to enable senior customers to live at home rather than in a retirement home. WHAT IS SO DISRUPTIVE? Using cutting-edge connected home and data analytics technologies to offer seniors customers a unique assistance service based on machine learning. VOTED “BEST DISRUPTIVE PRODUCT/SERVICE” CONNECTMOI AT THE INNOVATION IN INSURANCE AWARDS IN MILAN ON 9JUNE 2016 21 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 24. Béatrice Ogée, Chief Executive Officer France HELP CUSTOMERS STAY HEALTHY AND INDEPENDENT AT HOME The three cornerstones of Europ Assistance’s silver economy offer are: prevention, assistance and care services ConnectMoi was launched in 2016 and for the first time sensors and artificial intelligence are applied to home services for elderly or dependent customers Being a caring brand: using technology to reinforce the link between dependent people, their relatives, and healthcare professionals. KEY INFORMATION urop Assistance is a truly caring brand with offers ranging from home family to healthcare assistance. We are a key player of the silver economy with products designed to meet the needs of a new and growing generation of seniors who want to remain active and independent, as well as all those who may require further assistance at home. CARING TECHNOLOGY Our approach to care is increasingly based on new technology and innovative solutions such as ConnectMoi, an autonomous smart remote support service dedicated to senior customers living at home. Through its connected box and sensors, ConnectMoi is designed to supplement traditional phone and personal assistance by leveraging IoT capacities and finding new ways of replacing the wearable devices of traditional tele-assistance. ConnectMoi allows anticipating on our senior customers’ assistance needs and focuses on prevention, so as to optimize the timing of interventions and the type of assistance provided. This innovative solution enables senior customers to continue living at home rather than in a retirement home, providing relief to their family and care givers. CHANGING ATTITUDES TOWARDS DEPENDENCY The ConnectMoi solution illustrates the potential change of attitudes towards dependency: thanks to technology innovation we can help prevent and address health issues and assistance needs for senior customers, helping them to stay healthy and independent at home. The silver economy is a challenge leading to a holistic approach of caring services for every family member. By focusing on providing support to individuals throughout their lifetime, our aim is to adapt our assistance services to suit their needs, not the alternative. E 22 RESEARCH SOCIETYINNOVATION
  • 25. The latest addition to the Health business line, ConnectMoi, was launched in France in January 2016. This innovative digital solution uses motion sensors to analyze customers’ behavior at home over time. The sensors send data to a “connected learning box” that uses algorithms to detect unusual behavior that may indicate that the customer needs help. Automatic alarm signals are sent to our assistance platform, which can contact customers directly, for example, to remind them to drink more in hot weather; contact their family to tell them how they are; or, when necessary, call the emergency services or healthcare specialists. This is the first time ever that this kind of technology is applied to a home assistance and prevention tool. ConnectMoi gives people the choice to stay independent and live at home, while getting the care they need 24 hours a day, 7 days a week. CONNECTMOI CUSTOMER BENEFIT ConnectMoi enables our senior customers to stay at home, knowing that help is close by if needed. This reassures families, care givers and healthcare professionals, while also preserving the seniors’ independence. 23 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 26. GLOBAL SOLUTIONS TO MEET OUR CUSTOMERS’ NEEDS Juan Carlos Guzman, Chief Executive Officer Western Europe TRAVEL GLOBAL COMPETENCE CENTER The international Europ Assistance hub manages medical assistance, claims, health and travel-related assistance requests. SCHENGEN E-SHOP A newly launched online service providing access to travel insurance, assistance and visa advice for all non-European customers travelling in Schengen countries HOLIDAY BAROMETER An annual survey designed to better understand the behavior of European, American and Brazilian travelers. KEY INFORMATION he leisure travel business is a growing sector; globally the number of travelers is expected to double up to 2 billion by 2020. This dynamic sector was one of the first business lines pioneered by Europ Assistance. The We Connect strategy continues to focus on the development potential of this strategic business line by continuously adapting our offer to meet customers’ changing needs, creating worldwide products and providing adjustable global services. ASSISTING GLOBAL TRAVELERS The annual Holiday Barometer gives us key insights into European, American and Brazilian travel habits. Every year we notice a cross-country convergence of the growing tendency to buy trips and travel-associated products online: this trend is expected to reach 80% of the overall online business by 2020. In a more interconnected and fast-paced environment, customers also give increasing importance to cancellation covers due to such rising global risks as terrorism and epidemics. Thanks to this enhanced understanding we are now in a better position to design simple, relevant products. FOCUSING RESOURCES AND EXPERTISE Europ Assistance has set up a Travel Global Competence Center in Madrid to assist customers all over the world with consistent, high quality standards in all countries: through one global multilingual contact center, EA will offer a unique point of contact for global programs, leveraging its international expertise and network management resources. This solution allows to quickly adapt and expand our services to meet our customers’ evolving needs for new markets, new languages and new services. T 24 INTERNATIONALINNOVATION
  • 27. With the aim of making it easier for non-European customers to travel to the European Union, Europ Assistance recently launched the Schengen E-shop. This commercial platform makes it easy for non-European travelers to get travel insurance and assistance contracts, as well as the useful visa information they need to visit any country within the Schengen area. Over 15 million Schengen visas are issued each year and there is a growing demand for a user-friendly online service, meeting all the requirements to sell an all in one comprehensive travel and medical insurance contract valid throughout the Schengen area. The new responsive website is available in six languages and gives leisure and business customers the travel and medical insurance contract they need in order to get their visas, as well as useful tips to prepare for their journey to Europe. SCHENGEN E-SHOP CUSTOMER BENEFIT ONE online portal to manage travel insurance, assistance and visa information ONE solution covering all the travel needs of non-European residents in Europe ONE contract valid in all the countries in the Schengen area 25 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 28. EUROPEAN AND AMERICAN SUMMER HOLIDAYS SUMMER HOLIDAYS PLANS IN 2016 2016 2015 20142013 2012 After a rise in 2015, summer vacation plans are back to the levels of the previous years in European countries. In the US and Brazil, the proportion of vacationers appears higher. 16th Europ Assistance / Ipsos Barometer 54% 61% 53% 60% 54% BUDGET (average) TRAVEL INSURANCE For Europeans and Americans, cancellation and medical support are most critical when they are considering a travel insurance package. Medical coverage 50% Trip cancellation 47% Emergency medical transportation 38% ORGANISATION 64% 61% €1,892 ($ 1,771) €905 (BRL 1,212) €2,247 (+ 4% vs 2015) 26 INTERNATIONALINNOVATION
  • 29. FAVORITE ACCOMODATION For most Europeans Hotel: 40% Except for the French renting a house/apartment : 38% SOCIAL NETWORKS Europeans are very likely to divert from social networks during the holidays LOG OFF FROM... WORK 71% 53% 61% 40% 36% Contrary to DREAM EUROPE Seaside 65% City trips 17% US Seaside 44% City trips 43% FAVORITE DESTINATIONS BRAZIL Seaside 52% City trips 42% 67% 27 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 30. Emmanuel Légeron, Chief Executive Officer Global Corporate Solutions DEVELOPING ALONGSIDE OUR CORPORATE CUSTOMERS TRAVEL RISK INTELLIGENCE PLATFORM T.R.I.P is a platform providing our business travel customers with data and intelligence about current worldwide events that they need to be aware of before they travel. This very detailed information is a major risk prevention factor to mitigate health, safety and security risks. Our solution goes as far as to provide alternatives to help minimize any potential inconvenience associated with difficult travel conditions. CLUSTER APPROACH Targeted approach provides Industry-specific business travel insurance and risk management solution. KEY INFORMATION e have a comprehensive offer for our corporate assistance and travel insurance customers. We specifically address two major segments, which have very distinct needs and requirements when traveling for business purposes. • Small Medium businesses want simplicity and the right insurance policy to cover their staff’s needs when traveling for business. We offer them a local response, supported by our network covering over 30 different countries. • Large and global corporate groups with staff based in a variety of geographic areas require global solutions. These solutions must remain agile in a world with ever-changing requirements. We are a global service and insurance provider, following our customers where they are and staying on the edge of ever changing demand. SHARING RESOURCES AND EXPERTISE: Technology enables us to build more efficient solutions and global operational platforms to deliver the same high quality standards across the world. All our services, solutions and teams are interconnected. For instance, an American business traveler in Asia can speak to our teams in the USA or in Asia, depending on each specific demand. We also equally draw on our strong international insurance coverage as well as networks. We have thus pooled all of our medical networks and manage them globally, in order to create a unique global assistance preferred provider organization (PPO) to support the ambition of our corporate customers in the sectors of Corporate and Health assistance and Business Travel insurance. GLOBAL STRUCTURE WITH STRONG LOCAL DEDICATION We combine a global business structure to keep up with the globalized business of our corporate clients, but remain a firmly rooted assistance company, closely connected to local assistance networks and customers. W 28 INTERNATIONALINNOVATION
  • 31. CUSTOMER BENEFIT We provide our corporate clients with one easy to manage travel insurance and medical assistance solution, adapted to their industry-specific needs and tailored to suit their geographical footprint. This goes far beyond adapting certain benefits and features. From prevention to risk mitigation, our solutions are co- created with clients. They apply to a precise set of circumstances specific to each corporate client. BTRM is a unique customizable solution. When we offer our BTRM solutions to the corporate market, we are in a position to replicate them very quickly and deploy them in different countries within various legal and compliance environments. All our BTRM solutions have the same identity and are systematically customized to meet local specifications. Our BTRM solutions also include “Industry Specific” products in order to fit to 100% of our corporate clients' needs. We are therefore more specialized and easier to embed into a corporate PC insurance program. We have for instance launched solutions dedicated to the construction industry and are now focusing on the aviation and marine insurance markets. BUSINESS TRAVEL RISK MANAGEMENT (BTRM) 29 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 32. 30 INTERNATIONALINNOVATION Ludovic Bayard, General Manager, Generali Employee Benefits COOPERATING WITH GENERALI A HOLISTIC APPROACH ver time we have come to realize that companies need unified support to adopt a comprehensive and coordinated approach to risk management. With dedicated operations, we can provide simplified access to top-level insurance and assistance solutions meeting a wide range of risk management needs from employee benefits to care services and property. We help companies expand globally. TAKING EXPATRIATION TO NEW LEVELS Delivering a unique insurance platform creates value for customers in terms of benefit design and governance. Our leadership in expatriate solutions proves this point. The long-term cooperation between Gen- erali Employee Benefits and Europ Assistance has led us to develop an integrated insurance and assistance offer that responds to the specific challenges of mobile employees. With features ranging from emergency evacuation to personalized assistance, our comprehensive offer is of par- ticular value to companies operating in high-risk environments. Thanks to new technology and intelligence capabilities, we now offer more sophisticated reporting tools, which help companies get the most out of a coordinated risk management strategy. PRESENTING A COHERENT AND UNITED FRONT Our customers are reacting positively and they can see the added-value Generali's offer. In 2015 Generali was the main sponsor of the FERMA Forum (run by the leading European risk management association) where we had the opportunity to present our joint connected offer to the risk management community. O “Get the most out of a coordinated risk management strategy” Together with Generali Employee Benefits, Generali Global Health and Generali Corporate and Commercial, we can provide a broad and comprehensive service offer to our corporate customers.
  • 33. 31 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016 Paolo Ribotta, Head of Global Corporate Commercial Generali “We offer a 360° solution for risk management and value-adding services, not a series of unrelated products.” TO FOSTER oining forces allows us to capitalize on the skills and experi- ence of each department to bring assistance and insurance to a new, higher level. We cover a far wider spectrum of corporate requirements for businesses of all sizes. Last year, with a view to adapting our industry-specific approach, we launched a construction offer targeting international construction com- panies operating in remote areas like Amazonia. This modular solution has received positive feedback for it holistic approach that can be easily customized. MEETING THE CHALLENGES OF TECHNOLOGY This year, we have extended our focus to other industries including cyber security. One of the drawbacks of sophisticated technology is the ease with which corporate identities can be stolen. Since the spring of 2016, a dedicated ID theft package has been marketed by Europ Assistance jointly with Generali in the USA. This innovative solution is a conven- ient aid for companies through the complex and time-consuming pro- cess of getting their identity back, by providing assistance, compensation for loss of wages, risk transfer and restoration.. BEYOND INDIVIDUAL PRODUCTS Traditionally, insurance companies try to push different off-the-shelf solutions. However, the needs of our corporate customers are increas- ingly interrelated - companies want a 360° solution for risk management and value-adding services, not a series of unrelated products. Europ Assistance and Generali jointly provide this broad and compre- hensive approach. J
  • 34. To offer services designed to resolve difficult and stressful situations, we have developed a strong “caring” culture. In order to extend this to the very heart of our organization, we have launched a programtomonitorandactoncus- tomer satisfaction (NPS)* simulta- neously through 10 entities (p34) and deployed lean management across our main subsidiaries (p37-38). We have also launched a global CSR** program initially focusing on disability (p40). * Net Promoter System ** Corporate Social Responsibility CUSTOMER SATISFACTION LEAN MANAGEMENT SOCIAL CORPORATE RESPONSABILITY 32 FOR PEOPLE
  • 36. Pierre Brigadeau, Group Chief Sales Marketing Officer, Global Head of Business Lines BUILDING A TRULY CUSTOMER-CENTRIC CULTURE With NPS, detractors* are systematically contacted to better understand the reasons for their dissatisfaction and to take action to correct the root causes of dissatisfaction and improve customer experience. * people who are unlikely to recommend the experienced services KEY INFORMATION e are fortunate: we work in a human-centric service business. Our mission is to protect, assist and provide our clients with peace of mind. All over the world, our customers express the same universal needs. They want us to be fast, human, caring and efficient. SATISFYING CUSTOMERS TO BUILD A LONG-LASTING RELATIONSHIP WITH THEM AND EXPAND OUR BUSINESS Customers want us to be available whenever and wherever it is convenient for them. We quickly respond to our customers by providing a unique, delightful experience. This makes us stand out, and make them recommend our brand to their friends, family and peers. Europ Assistance has worked hard to attract customers. Satisfying them is the best thing we can do to make them stay with us, and expand our business. LISTENING AND RESPONDING TO CUSTOMERS’S DEMAND: THIS FORMS PART OF THE EUROP ASSISTANCE DNA We launched the Net Promoter System (NPS) program in early 2016 and we can already see the business benefits now. NPS is about transforming the way we work; it helps us listen to customers so that their voices can be heard at the heart of our company, where it drives change and shows us what we need to adjust or adapt. Our priority now is to make use of NPS within Europ Assistance as a tool to give our managers and employees the information and insight into their customers’ desires that they lacked in the past. NPS and Europ Assistance are a natural fit: listening and responding to customers demand already forms part of Europ Assistance’s DNA. W 34 CUSTOMER SATISFACTIONFOR PEOPLE
  • 37. THE NET PROMOTER SYSTEM: SIMPLE AND POWERFUL NPS is a simple and powerful tool. It asks just a few straightforward questions designed to provide insight on the customer’s state of mind. Namely, ‘How likely are you to recommend Europ Assistance to your friends, peers or family, and why?’ The survey is easy to complete, which helps us achieve significant response rates. NPS allows us to categorize customers as “Promoters,” i.e., people who are likely to recommend the experience they had with Europ Assistance, and “Detractors,” i.e., people who are unlikely to recommend the experienced services. Every single employee, including CEOs and top managers, systematically call Detractors back in order to understand the reasons for the client's dissatisfaction and identify actions we can take to actually improve that experience for the next customer. This is a journey, a deep cultural change in the way we operate and the way we serve our customers. This makes the difference in the competition. 10 ENTITIES NPS has been launched simultaneously in 10 entities in 2016 35 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 38. “In 2015, Europ Assistance was voted the most caring brand in France. This reward is both very heart-warming and humbling. It is an acknowledgment of the company’s great history and of the way we operate to deliver best in-class quality service to our customers” 36 INTERVIEWFOR PEOPLE
  • 39. CONSTANTLY THINKING OVER THE WAY WE WORK Pascal Baumgarten, Group Chief Operating Officer HOW ARE NEW DIGITAL TECHNOLOGIES IMPACTING YOUR BUSINESS? The assistance market is undergoing major changes, fueled by the growing impor- tance of the digital technologies. Roadside assistance is an interesting case study. In re- cent years, the advent of mobile phones and then smartphones changed the way we com- municate both with our customers and with towing trucks. Today, the use of telematic boxes in vehicles means that cars can auto- matically send an alert signal in the event of a breakdown. Tomorrow, we will need to adapt to self-driving cars. Each new wave entails a major change in our interaction model with customers. This is also true in all of our other business lines. HOW ARE YOU ADAPTING TO THE GLOBALIZATION OF TOURISM AND BUSINESS TRAVEL, ANOTHER MAJOR CHANGE THAT IS IMPACTING YOUR SECTOR? To adapt our Travel activity to this globalization trend, we have international skillscenterscapableofdeliveringserviceson a global scale, with a consistent level of qual- ity and standard processes for our customers, wherever they are or come from. In Europe, our travel skills center in Madrid already services numerous international contracts. WHAT DO YOU DO TO BETTER SERVE YOUR CUSTOMERS IN THIS CHANGING ENVIRONMENT? Thinking over the way we work and how we use technology to better serve our customers is a priority for Europ Assistance. We need to constantly challenge our pro- cesses and organization to keep up with the changing environment and continue to pro- vide best-in-class service to our customers. Our Lean Management program, combined with our Net Promoter System, plays a key role in our strategy. Furthermore, to improve the efficiency of our Corporate governance, we have set up a weekly Group Management Committee and a Delivery Board mobilizing all our operational managers to share objec- tives and manage accountability. WHAT ARE YOUR KEY CHALLENGES TODAY? We have high growth ambitions for the coming years, which call for the develop- ment of new services and new offers, while simultaneously maintaining our profitabil- ity. This balance demands a high level of agility. As a result, one of our key challeng- es is to prioritize the allocation of resources. 2015 was the first implementation year of the We connect Strategy, and we have proven our ability to deliver growth while investing for the future. We need to main- tain this momentum over the coming years. 11.6 MILLION number of cases handled by Europ Assistance in 2015 37 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 40. Antoine Parisi, Group Chief Executive Officer e are constantly looking for ways to improve how we operate, and Lean Management is the best path to achieve our goals. Lean Management fits into a continued improvement process and changes the way we work, im- pacting our corporate culture. This is a strategic program and the role of top management is crucial to lead it to success. Lean Management means much more than just productivity gain and waste disposal: it is a complete cultural transformation, requiring new management prac- tices, new behaviors and habits. Lean Management is about custom- er-centricity and employees’ commitment. WE WANT TO FOSTER THE EMPOWERMENT AND INVOLVEMENT OF THE PEOPLE WHO ARE ON THE FRONT LINE Through the deployment of Lean Management across all our companies worldwide, we want to foster the empowerment of our teams and ac- celerate our decision-making process to continue to deliver best-in-class service to all our customers. We want to foster the empowerment and involvement of the people who are on the front line, giving them the power to decide and address issues. Our client-facing staff knows cus- tomer expectations better. They can identify issues and should contrib- ute to solving them. This is the spirit of Lean Management, as initially launched by Toyota in Japan decades ago. We want to encourage the attitudes of listening, deciding, explaining and doing. This is strategic as it puts the customer at the heart of our actions. WE EXPERIENCE THE CHANGE We are already noticing great results. All our customers should visit our platforms to feel the true spirit of Lean Management in action. I am confident that Lean Management will further improve our already high quality of service and employee commitment. LEAN MANAGEMENT CHANGES THE WAY WE WORK In 2015, we deployed a major Lean Management program across the Group. Beyond improved efficiency to deliver better service to customers, Lean management is expected to translate into a stronger and more responsive operating culture. THE AIM OF LEAN MANAGEMENT changing the way we work empowering our people improving efficiency, quality, and customer value. eliminating waste W 38 FOCUSFOR PEOPLE
  • 41. Pascal Baumgarten, Group Chief Operating Officer “Our objective is to systematically challenge our organization to ensure that we always serve customers first!” ustomers are at the heart of all our actions. This is why Lean Management is such an important program - it fo- cuses on customers’ needs. Through the implementation of this Group-scale Lean program, our objective is to systematically challenge our processes, behaviors and organization to ensure that we are all focused on the common goal of providing the most appropriate service to our customers. RELYING ON INTERNAL RESOURCES Lean Management was initiated by the Operations department and will gradually be rolled out across all functions and countries. Rather than only hiring external consultants to deploy the Lean Management program, we chose to rely on internal resources to build up the Lean Management culture. In practice, we make important investments in each country by setting up a full Lean Management team comprising experienced lean experts and internal operational people. They will do field work to support the transition and implement the Lean Management culture before the operational teams become fully self-sufficient. A key success factor is the close involvement of top management. C 39 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 42. CARING FOR OTHERS Els Van de Water, Group Chief Human Resources and Communication Officer 2015 was a landmark for the sharing of Europ Assistance’s values, inherited from Generali. DELIVER ON THE PROMISE We are committed to proving that we can live up to the standards we set for ourselves VALUE OUR PEOPLE We value diversity amongst our employees, irrespective of gender, religion, origin, or age BE OPEN We encourage open discussion and exchange to better achieve our goals LIVE THE COMMUNITY We play a key role in the development of social communities wherever we operate. OUR VALUES ver since its creation, Europ Assistance has been driven by the same mission: caring for people and improving their lives by providing services that resolve difficult or stressful situations. These values are at the heart of the Europ Assistance Corporate Social Responsibility (CSR) approach towards its employees, partners, service providers and customers. First and foremost, the Group intends to further strengthen the relationship between its employees and customers, as this is already a key point recognized by our employees, as revealed by the first Group-wide engagement survey we launched in 2015. DEVELOPING A GLOBAL CSR APPROACH Europ Assistance has always developed many CSR initiatives at a local level. Education, health, social entrepreneurship, green actions to protect the environment, helping families in need: the scope of its actions is quite broad. In 2015, Europ Assistance decided to initiate a global CSR approach, to optimize and maximize the impact. MAKING LIFE EASIER FOR INDIVIDUALS WITH DISABILITIES The first step of this global CSR approach was the launch of a global initiative towards individuals with disabilities. Europ Assistance has a large number of employees and customers with disabilities, and therefore disability is at the heart of the Group’s concerns. Supported by the Group Management Committee members who are sponsoring the various actions, this Group-scale initiative is based on three major cornerstones: making life easier for Europ Assistance employees with disabilities; adapting our services to the needs of customers with disabilities and developing innovative products designed for individuals with disabilities. To promote employee awareness and involvement in this respect, the Group organizes dedicated meetings focused on the topic of disabilities, mobilizing employees, management teams as well as external stakeholders worldwide. E 40 CORPORATE SOCIAL RESPONSIBILITYFOR PEOPLE
  • 43. MARKETING AND COMMUNICATION TEAMS CristinaTriola, Italy Alec Khindria, Group Corporate Solutions Tiffany Glass, USA Bob Chamber, USA Alexandra Carvalho Maria Matos Portugal Rosario Pipolo, Italy Lorena Gilmartin, Italy Els Van De Water, EA Global Laura Ramundo, Italy Justyna Niebutkowska, Poland Eugenia Buggs, USA Anne-Sophie Jorez Fabrice Gorget Françoise Passeron, France Cyrielle Soldani, EA Global Camille Pellet, EA Global Rachel Wang, China Cristina Pettazzi, EA Global Chiara Giglio, Italy Stefania Ughi, Italy Olivia Tamboryn, Peru Michal Egert, Czech Republic Xavier Van Caneghem, Belgium Serpil Akyol Erden, Turkey 41 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 44. OUR SUBSIDIARIES WORLDWIDE EUROP ASSISTANCE GLOBAL 2 rue Pillet-Will, 75309 Paris cedex 09 - France www.europ-assistance.com +33 (0)1 58 34 23 00 EUROP ASSISTANCE - GLOBAL CORPORATE SOLUTIONS (GCS) 2 rue Pillet-Will, 75309 Paris cedex 09 - France www.gcs.europ-assistance.com +33 (0)1 58 34 23 79 GCS Angola Europ Assistance IHS Services Angola, Lda Rua Comandante Stona n°144 - Bairro Alvalade - Luanda +244 222 012 639 GCS Chad Europ Assistance IHS Services Tchad Centre Médical Europ Assistance N’Djamena Route de Farcha, Base SOGEA SATOM, Porte n°5 BP 762, N’Djamena +235 22 52 74 94 GCS Congo Europ Assistance-IHS Services Congo SARLU CMC Medico Medical Center- c/o CMC Medico, Quartier Centre-Ville - B.P.4473 Pointe Noire GCS French Polynesia Europ Assistance Océanie - 22 rue Nansouty BP 40196, - 98713 Papeete, Tahiti +689 50 78 50 GCS Niger Europ Assistance Niger SARLU Route de Tillabéry, Quartier Plateau, Bld de l’Indépendance, sise Agence SONIBANK Plateau Face siège de l’UEMOA, BP11354, Niamey GCS Nigeria Europ Assistance-IHS Services Nigeria Limited Unicem Calabar Medical Centre Bishop Moynah Avenue, State Housing Estate, PMB 1017, Cross River State, Calabar +234 706 782 72411 ARGENTINA Pellegrini 1163, 9° piso, (C1009ABW), Buenos Aires www.europ-assistance.com.ar +54 (11) 4322 4700 AUSTRIA Kratochwjlestrasse 4 - 1220 Wien www.europ-assistance.at +43 1 319 55 70 BAHAMAS Care Management Network Inc.Carlos - 83 Sandringham House, Shirley Street - P. O. Box AP 59217 slot 2052 - Nassau +1 242 397 04 27 BELGIUM Bld. du Triomphe - 172 B - 1160 Brussels www.europ-assistance.be +32 (0) 2 533 75 75 BRAZIL Avenida Juruá, 320 CEP: 06455-010 - Alphaville - Barueri - SP www.europ-assistance.com.br +55 11 4133-9080 / +55 11 4133-9498 CANADA 150 Commerce Valley Drive West, 9th Floor - Thornhill - Ontario - L3T 7Z1 www.gcs.europ-assistance.com +1 905 669 4333 CHILE Avenida Andrés Bello 2115, Piso 2, Providencia, Santiago de Chile www.europ-assistance.cl +56 (2) 25 83 68 00 CHINA Room 501,Building B,Golden Eagle Mansion No 1518 Minsheng Rd.Pudong New District, Shanghai, 200 135 P.R. www.europ-assistance.com.cn +86 21 6146 1805 CZECH REPUBLIC Na Pankraci 1658/121 - 140 00 Praha 4 www.europ-assistance.cz +420 221 586 111 FRANCE 1 promenade de la Bonnette - 92633 Gennevilliers Cedex www.europ-assistance.fr +33 (0)1 41 85 85 85 Bien-Être Assistance - Bien-Être à la Carte 1, rue Mozart - 92587 Clichy Cedex www.bienetrealacarte.com +33 (0)1 53 58 73 00 Océalis 14 terrasse Bellini - 92800 Puteaux www.ea-lateleassistance.com +33 (0)1 70 72 46 10 g concierge 2, rue Pillet-Will 75009 Paris France www.generaliconciergeservices.com/ +33 (0)1 58 38 67 00 GERMANY Adenauerring 9 D-81737 München www.europ-assistance.de +49 (0)89 55 987 0 42 FOR PEOPLE WORDWIDE
  • 45. GREECE Pireus st. 205 Panagi Tsaldari Tavros 17778, Athens www.europ-assistance.gr +30 210 349 7000 HUNGARY Europ Assistance Hungary 1134 Budapest - Dévai utca 26-28 www.europ-assistance.hu +36 1 458 44 25 INDIA Europ Assistance India Pvt. Ltd. C-301, Business Square Andheri Kurla Road, Chakala Andheri (East), Mumbai - 400093 www.europ-assistance.in +91 22 6734 7878 IRELAND 4th Floor, 4–8 Eden Quay, Dublin 1, D01 N5W8 corporate.europ-assistance.com/ireland +353 (0) 1 897 3200 ITALY Piazza Trento, 8 - 20135 Milano www.europassistance.it +39 02 58 38 41 LUXEMBOURG 46 rue Léon Laval L-3372 Leudelange www.europassistance.lu/ +352 437 440 PERU Europ Assistance S.A. Sucursal del Perú Av. Santa Cruz N° 875, Piso 7, Miraflores, Lima www.europ-assistance.pe +51 (1) 630 9889 POLAND ul. Wołoska 5, 02-675 Warsaw www.europ-assistance.pl +48 22 205 50 00 PORTUGAL Avenida Columbano Bordalo Pinheiro nº75 10º andar, 1070-061 Lisbon www.europ-assistance.pt +351 21 386 00 03 ROMANIA Europ Assistance Romanian Branch 59th Popa Tatu Street, 2nd Floor, 6th Flat 010803 Bucharest www.europ-assistance.ro +40213006096 RUSSIA Letnikovskaya st. 11/10, b.3 - 115114 Moscow www.europ-assistance.ru +7495 787 2179 SERBIA Europ Assistance Hungary - Ogranak u Beogradu Gandijeva 76a, 11070 Novi Beograd www.europ-assistance.rs +381(11)2284582 SINGAPORE 3 Anson Road #24-03 - Springleaf Tower, Singapore 07990 www.europ-assistance.com +65 6557 2129 SOUTH AFRICA Valley View Office Park - 680 Joseph Lister Street Constantia Kloof, Ext 31 www.europassistance.co.za +27 (0)11 991 8000 / 9000 SPAIN Calle Orense, 4 28020 Madrid www.europ-assistance.es +34 91 514 99 00 SWITZERLAND Avenue Perdtemps 23 - CP 3200, CH-1260 Nyon www.europ-assistance.ch +41 22 939 22 44 TURKEY Ortaklar Caddesi Bahçeler Sokak No:20 Kat:2 Mecidiyeköy, Istanbul www.europ-assistance.com.tr +90 (0) 212 337 20 02 USA 4330 East West Highway, Suite 1000 Bethesda, MD 20814 www.europassistance-usa.com +1 240 330 1000 CSA Travel Protection 4181 Ruffin Road, Suite 150 San Diego, CA 92123 www.csatravelprotection.com +1 858-810-2004 GMMI Inc. 1300 Concord Terrace, Suite 300, Sunrise FL 33323 www.gmmi.com ■ COMPANIES AND BRANCHES Design production: Photo credits: Cover: GettyImages/ svetikd – Portraits : La Company / Frédéric Stucin – Inside pages: GettyImages/ Thomas Barwick, Ivanko_Brnjakovic, Shui Ta Shan, Matteo Colombo, Portra Images, Imgorthand, svetikd, Javier Pierini, Teery Vine, Guido Mieth, Stockbyte, GraphicObsession, Blend Images, Image source, Ojo Images YOU CAN FIND FULL DETAILS, OF THE ASSISTANCE GROUP’S COMPANIES AT WWW.EUROP-ASSISTANCE.COM 43 EUROP ASSISTANCE ACTIVITY REPORT 2015-2016
  • 46. 2, rue Pillet-Will 75309 Paris cedex 09 www.europ-assistance.com