Before talking about this programme, a few words about MGEN and its particularities in the world of social protection in terms of health.
With almost 3.8 million people covered, the MGEN group is a major player in social protection. It is a founding member of the Istya group, France's leading mutual health insurance group.
The MGEN group manages the compulsory health insurance scheme for professionals working in national education, higher education and research, culture and communication, youth and sport.
The MGEN group also offers individual supplementary health cover open to all, as well as group health and provident contracts for companies and associations.
Protecting insured members and their families, enabling access to sustainable health and contributing to accessibility for all to efficient health care and services: these are the objectives pursued by the MGEN group in the exercise of its three business lines:
- management of the compulsory scheme for civil servants
- supplementary social protection
- healthcare services
True to its values of mutualism and solidarity, MGEN places its members at the heart of a healthcare pathway that is consistent with the coordinated healthcare pathway, thereby strengthening primary healthcare by promoting the central role of the GP. Our Vivoptim e-health programme is fully in line with this approach.
In fact, e-health is an integral part of modern healthcare, and therefore has a role to play in prevention. Insurers wishing to offer services need to keep up with the times by integrating new technologies that have real added value for medicine. By setting up Vivoptim, MGEN is truly positioning itself as a global health player and demonstrating its ability to innovate.
Furthermore, in a highly competitive e-health market (pre-empted by numerous players: mutual insurance companies, insurance companies, healthcare pure players, pharmaceutical laboratories, associations, etc.), MGEN accelerated its digital transformation drive in 2015 to consolidate its digital positioning in the mutual health insurance - provident insurance market. Four areas of work have been defined, one of which is health services. For MGEN, e-health is a way of rethinking the role of supplementary health insurance, from compensation to health services. supporting members at every stage of their lives, whatever their circumstances.
The VIVOPTIM programme aims to prevent cardiovascular disease: how does this form part of your role as a mutual insurer?
MGEN is committed to a personalised approach to the prevention of cardiovascular risk factors. As part of its public service mission, MGEN wishes to offer an innovative programme focused on raising awareness, assessing and supporting its members in better managing their cardiovascular health, optimising their lifestyle habits to prevent risks and improving their quality of life.
Designed to meet the objectives of public health and primary care medicine, in close collaboration with the GP and with respect for the doctor-patient relationship, the Vivoptim programme is based on new health technologies and mobile internet, and offers a wide range of services via a secure multimedia platform. Depending on the patient's cardiovascular risk profile, motivation and ability to change their behaviour, thirteen prevention pathways are offered, without interfering with the GP's medical prescription.
E-health, and telemedicine in particular, is a powerful lever for modernising and improving the effectiveness and efficiency of the healthcare system. It must provide access to healthcare for all throughout the country and respond to the many challenges posed by an ageing population and the development of chronic diseases.
New technologies make it possible to provide a high-quality service to everyone, even the most vulnerable social classes. Support from virtual or telephone health coaches should reduce territorial inequalities in access to prevention. In line with our mutualist values, we believe that e-health systems, far from dehumanising the patient relationship, provide greater proximity, freedom and autonomy, while improving access to healthcare for all.
You don't just inform policyholders who are at risk, you also carry out personalised monitoring... As part of this, you equip your policyholders with connected objects... Is the Internet of Things destined to play an important role in health prevention in the years to come, at least at MGEN?
In today's fast-changing world, people need to find their bearings. Health and well-being are among them. They want to take action, take charge and have simple, personalised, instant-use tools at their disposal. They want a health companion that can support them over the long term at every stage of their lives and evolve as health issues arise. New technologies and, in the future, artificial intelligence will make all this possible.
Connected objects make it possible to collect quantum data, which is invaluable for monitoring chronic diseases, for example.
The insurer's role could evolve into that of a health 'coach'. This presupposes that they are close to their policyholders and have succeeded in winning their trust. This will be based on the provision of comprehensive service packages: connected objects, quantified-self applications, patient support programmes, personal diagnostic devices, telemedicine solutions, and so on. To build such services and avoid the pitfalls of a standardised prevention offering, the use of Big Data will be increasingly necessary. This will enable us to gain a better understanding of our members' profiles, risks, habits, environment and consumption patterns, and to design tailor-made services that are perfectly suited to their needs at any given moment in their lives.
