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Protecting your employees' health means protecting your human capital.
Munkam supports HR departments and executives in designing and managing their health and protection plans, in France and worldwide. Fully independent of insurers and claims administrators.
How we support you
Advice
From needs analysis to negotiating benefits: we analyse your employees' needs, draw up specifications, run tenders and negotiate benefits with insurers.
Management
Our support continues after the policies are in place, with monitoring of the schemes, dialogue with claims administrators and solutions for complex situations.
Human capital
Building employee benefits that are suitable, effective and accessible, balancing employees' expectations with the company's objectives: attracting and retaining talent, controlling costs without giving up robust and fair protection, in France and for international mobility.
Expertise in France
Beyond group plans, we protect what gives a company its value: its key people.
Group health and protection insurance
Plan design, compliance and management: objective employee categories, formal employer decisions, tenders and negotiation.
Management and compliance
Policy audits, reporting and indicators, monitoring of French legal and regulatory changes, tracking of loss ratios.
Executives and key people
Key person insurance
Protecting the company against the death or incapacity of an indispensable person: executive, partner, technical or sales expert. Compensation for operating losses and replacement costs.
Executive protection
Protection and health cover for executives, whether salaried or self-employed, partners' benefits and cover for bank commitments: protection consistent with the employees' plan.
Company and directors' liability
Professional indemnity and directors' and officers' liability (D&O): protecting the company and its executives against claims, a cover often expected by investors.
Start-ups and scale-ups: we know them from the inside
Entrepreneurs who understand entrepreneurs.
- We understand the challenges start-ups face. Tight budgets, rapid growth, headcount doubling, first hires abroad.
- Protection that grows with you. We set up employee benefits suited to each stage of your development, to protect your teams and attract talent.
- Key person, professional indemnity, D&O liability: reassuring investors and banks. A frequent requirement in fundraising and bank financing.
International expertise
A global, consistent approach to the employee benefits of your mobile employees, from design to management.
International health insurance
Analysis of benefits and access to care in countries of residence, benchmarking and negotiated cover.
International protection insurance
Cover for families, risk anticipation, monitoring and compliance.
Individual insurance and leaving a group plan
Personalised advice for employees leaving the group plan, from many insurers, to avoid gaps in cover.
Retirement and savings
Savings and retirement solutions for expatriates and their spouses.
Management of tenders, budgets, healthcare usage and reporting, with a direct line at your service.
Our commitment: client follow-up
Understand
- Understanding the client and the policy
- Statistical analysis of the insured population
- Healthcare usage analysis
- Loss ratios
Advise
- Bringing policies into compliance
- Aligning benefits and pricing
- Drawing up specifications
- Running tenders
- Monitoring, reporting and communication to employees
Monitoring based on aggregated data, with no medical files passed on to the employer.
Employee benefits, a concrete lever for your CSR strategy
Inclusion is also reflected in the benefits offered to your employees. We analyse exclusions, waiting periods, limits and out-of-pocket costs to promote fairer access to care, with particular attention to women's health and to internationally mobile employees.
Our commitment: helping you build inclusive employee benefits and supporting your employees so they know their rights and can make full use of their benefits.
Our commitment to access to careLet's talk about your policies
Review of existing policies, tender, new expatriates, protecting a senior executive: a first conversation to scope your needs, with no commitment.