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An independent firm, committed to access to care
Independent broker in employee benefits and health protection, in France and worldwide. Munkam was founded by social protection professionals: we understand the constraints of the employer as well as the expectations of the insured.
Why Munkam
Independence
The independence of a broker, the expertise of an adviser and the closeness of a committed partner: we defend your interests, take the complexity out of insurance and build solutions suited to your needs, in France and worldwide.
Support
Human, personalised support that doesn't stop once the policy is signed. Health and protection, group and individual, in France and worldwide: a 360° view of your protection.
An inclusive firm
Women's health and effective access to care are not details: they are essential parts of well-designed protection. Let's work together on protection that meets everyone's real needs.
People at the heart
A dedicated adviser at every step and a direct line, not a call centre.
What guides us
Transparency
A complete view of policies, administration and financial terms. We explain the benefits and their limits.
Independence
No ties to any insurer or claims administrator: solutions are chosen solely in your interest.
Inclusion and women's health
Protection suited to the diversity of needs.
Quality of administration
Rigorous selection of claims administrators, continuous monitoring, regular audits, dedicated reporting and indicators.
Follow-up and satisfaction
Our commitment: keeping your budgets under control, simplifying your HR teams' work and lastingly improving your employees' protection.
A dedicated contact and a direct line
Making access to care easier, beyond the benefits
Difficulty finding a healthcare professional, interrupted care pathways, needs that are poorly covered: we identify the barriers to accessing care and select the right benefits, claims administrators and services, including healthcare networks and support programmes.
Our goal: protection that genuinely makes access to care easier and meets everyone's needs.
The levers we work on in your policies
- The quality of benefits, exclusions, waiting periods, reimbursement limits and out-of-pocket costs
- The choice of claims administrator, healthcare networks and support services
- Identifying gaps in cover
- Exploring complementary services
- Helping members with their formalities
We also work with specialist services, such as Gyngercare for women's health. Munkam is a shareholder of Gyngercare, which has no bearing on the independence of our recommendations.
The team
Djamila Sedjerari
Founder and President
Expertise fuelled by a passion for insurance and continuous learning. With more than twenty-five years of experience in insurance brokerage, twenty of them devoted to employee benefits and international mobility, Djamila has supported major French groups and their expatriate employees. A graduate in insurance management, she continues her training at the École supérieure d'assurances (ESA), of which she is a member, to anticipate the new challenges of social protection.
Jean Orgonasi
Co-founder
Thirty-five years of expertise in personal insurance. Former head of worldwide protection insurance at BNP Paribas Assurance, he co-founded, grew and then sold the insurtech Digital Insure. A graduate of the École normale supérieure, he now puts his insurance expertise and entrepreneurial experience at the service of Munkam's clients.
Our network of experts
Retirement
Experts in pensions and career record reconstruction.
Financial optimisation
Reporting, pooling, captives: an overall view of spending.
Prevention
Health check-ups, medical second opinions.
Complex situations
Health, protection, pensions, savings: specialists for cases that fall outside the usual framework, for SMEs and individuals alike.
We compare offers from many insurers, selected on the quality of their benefits and administration.
Let's get to know each other
Company or individual, a first conversation is free and without commitment.