March 16, 2018 07:00
Photo : Freepik
Most young employees say they are more concerned by the financial constraints on their psychological health, compared to their older colleagues.
Suzie Pellerin, assistant vice president of public and governmental affairs at thecanadian Association of insurance companies of persons, Québec division (CLHIA Quebec), has recalled this fact at the Congress of the insurance and investment
To support its claim, it has obtained data collected by Sun Life Financial in 2016. Ms. Pellerin note that the «milléniaux» are more likely to be willing to receive targeted information from insurers about their health. «There is a personalization and targeting that is possible with the technology. People are accustomed to. Inevitably, when there is a question of collective insurance, they expect the same approach, » he says.
Pierre Piché, director general ofQSA Consultant, notes that the milléniaux are more open to knowing the statistical information on their group insurance plan. «It is the rising generation. They are the ones who are going to lead our SMES. It is with them that we need to work and build relationships now. They have these expectations, » he says.
For Danny Baker, CEO of Segic, it is necessary that the advisor can sit down, talk about the real issues of the organization and bring solutions. «The two models are good, that this is a program of health and wellness and / or a collective scheme is a more traditional way we know it,» he says.
Mr. Baker adds that the big challenge for the industry is to coach the participant, including by the pharmacist. He gives the example of a case of type 2 diabetes. «We know that if the disease is framed, and it ensures that the participant takes the medication, can substantially reduce the costs. How we check it with the insurer or the pharmacist ? «, lance-t-il.
The system is » disconnected «, he laments. The only thing that the card of the participant is used to pharmacy is » to pay the pills, nothing else.» Other services could be offered in group insurance, » he said.
«Because we are an intermediary, and a system, you pay pills. They want to make connected health, or a box containing electronics. We will pay a fee to the pharmacist to supervise the participant, what we can’t do it at the present time. There is the technology and also the stakeholders, it should be an integrated approach, » adds Mr. Boulanger.