Our social contract is needed a deep renovation

The financing of the Social Security Act provides that mutual societies and insurers participate in the campaign of vaccination against influenza A (H1N1). Are you disputing this measure

The interlocutor of the public authorities in a folder in this way, it is the Unocam where you can find mutual, insurers and pension. Its position is to participate in the effort for our insured that will be vaccinated. But as the Government, unfortunately without consulting us, has opted for a vaccination of mass without identification of the insured, the Unocam accepted the principle of inclusiveness of its contribution. We hope that the contribution is capped at EUR 280 million, and that it take into account non-used vaccines. As there is a vaccination by one or two for example, this is not the same result.

Nicolas Sarkozy advocates a new Division of roles between the complementary health and social security. But this distribution of support is changing very slowly

For the first time in its history, the Unocam presented a platform of savings: 2 billion per year, is not negligible. Unfortunately, our proposals were not accepted in the social security budget. The passage from 35 to 15 of a repayment of 100 medicines solves nothing: If the products are not useful, they should be supported at all. More generally, need to go faster. For example, a greater transfer of compulsory insurance to private insurers could be done for dental or optical.

What schema do you recommend in the implementation of the fifth risk on the dependence of the elderly

The time has come to define a true public-private partnership to preserve autonomy with public authorities. The issue relates to the adoption of a common definition of dependency, the development of a common specifications, the labelling of dependence on standard guarantees insurance contracts. This will provide structural responses, and not only to the "patching". Selective tax incentives would to overwhelmingly benefit the middle class. With less than 1 billion euros, we can already achieve an effective result. The equivalent of one third of the cost of reduced VAT in catering for a major achievement of the French society: who can say that such a choice would be out of our reach

Is the removal of the exemption from social security payments benefit contracts Office at death for you a beginning of questioning of the system of life insurance

This legally fragile measure certifies primarily on a deep ignorance of life insurance and a lack of respect for contracts. In caricaturing, she returned to resurrect the dead time to tax! Death benefits are not saving, it is a guarantee provided in the contract. But nothing is more important to enforce contracts. Cannot change the rules of the game along the way. The minimum would be that millions of insured persons who have signed a contract on these bases are not affected.

You encourage to favour long savings, by exempting contracts of life insurance in addition twelve tax.

The key issue is the financing of the output of crisis and, in this perspective, the preservation of long savings in France. Two thirds of life insurance contracts are close to the end of eight years, from which the taxation of capital gains fell to 7.5. There is a major risk for the financing of the economy, do not encourage the insured, in the next 12 to 24 months, to extend their contract. Essential point in this period of budgetary constraint: the measure to the global cost nothing to public finances.

François Fillon wanted 2 life insurance invested in SMEs to be more oriented towards the development capital and boot. Where are the discussions

French insurers have held their commitments in this area. Remains that 25 billion euros that they have mobilized earlier this year, more than 7 not yet found licensee. If there is a problem, it is therefore not the lack of available funds.

Two insurers come or will win, the Medef, the Presidency of the Arrco and Vice-Chair of health insurance, two iconic instances. A strategy that answer

As the important debate on pensions next year, it is first a mark of confidence owed to these two personalities, and our industry more generally.

This shows that the time of idéologiques clashes is gone. Our social contract is needed a deep renovation. To do this, we need to invent an effective complementarity between distribution and insurance mechanism. Because if the crisis has shown certain weaknesses of the capitalisation, demography shows the weaknesses of the only répartition.

Some, including employers, feel that this can pose an ethical, since the insurers could be judges and parties.

All the elected representatives to the Medef keep their functions in their dip. However Gérard Ménéroud has already announced that he would of the Chair of the plenary Committee of the insurance of our Federation, in full transparency.