GROUPAMA / 2018 Registration document

CORPORATE SOCIAL RESPONSIBILITY (CSR) GROUPAMA’S 2018 EXTRA-FINANCIAL PERFORMANCE REVIEW

Insurance and service solutionsaddressing (d) societal issues Accessibility In order to better meet memberand customerneeds and to enable all customers to insure themselves depending on their capacities while continuing to benefit from sufficient cover, the Group has developedformsfor modestand limitedbudgetsin its offerings.Five years ago, the “Indispensables”, new forms of the individual supplementalhealth insuranceproduct,were created.They provide for reimbursements only for health expenditures considered essential by the policyholders,particularlyin situationsof setbacks. In Group health, as part of the NationalInterprofessionalAgreement (ANI), the Group was one of the first insurers, as early as 2013, to promotethrough its Gan and Groupamanetworks,accessibilityand protection for all employees by equipping the companies with policiesadaptedto the characteristicsof the professionalsegments. In the market for these “ANI” policies, Groupama has been the leader since the launch. On pro.ganassurances.fr,Directors of VSE-SMEscan quicklyobtainhealth insurancefor their employees. Within the “Assureurs Complémentaires Solidaires” grouping, Groupama has committed to the distribution of the new certified offering, by the Public Authorities, for low-income policyholders to enable them to continue to benefit from the scheme that entitles them to a premium reduction on their policy: supplemental health purchaseassistance(ACS). The Group innovated by making the third-party payer certificate available to all of its 1.4 million health policyholders in their customer area. In the same spirit, in motor insurance, there are also “Mini” or “Essential” offerings or offerings for low-mileage drivers. For three years, Groupama has been expanding its range of basic offerings with adaptation on multi-risk home insurance policies. Groupama thus offers low-cost home insurance for students. Groupama’s multi-risk home insurance policy was completely overhauled in 2016, particularly with a simplification of policy documents for better accessibility/clarityof customer information. In order to support socio-economicdevelopments,the Group has adapted its Everyday Accident insurance: accessible to blended families, adapted cover for individuals over age 70 and students abroad. Since 2014, there has been a specific option to protect professionals (tradesmen, shopkeepers, and service providers) withinPrivateEverydayAccident. Sustainable social protection In health, the Group is fully committed to complying with the conditions of the “responsible policies” that limit the consumption of unnecessarycare or care from health professionalswho charge excessive fees. All policies are now “responsiblepolicies”, and the same applies to Group health policies (as part of the “ANI” offering).

Health insurancepolicies offer generalisedthird-partypayment and access to large care networks throughout France (Sévéane), particularly in optical, dental, and hearing aid care. Groupama guides policy holders to healthcare professionalswho offer quality equipment at the best price. Sévéane was improved and now offers a special price for eyewear (up to -40% on lenses) and a renewed proximity with opticians: the network now has 3,500 opticians. In 2018, the care networkwas opened up to osteopathy and chiropractic. The online healthcare customer area was expanded for Groupama’s individual health insurance policy holders: reimbursement tracking, online third-party payment certification, location of Sévéane healthcare professionals,nutrition area, health advice, and Emag’santé Groupama. In 2018, this new healthcare customer area was rolled out to other health insurance policy holders. Note that the Group provides a wide range of assistance services: home assistance, including “young mother” support, housekeeper/caretaker,remote assistance at hospital discharge, etc. Since 2018, it has also been possible to allow relatives – even if they are not policyholders – to benefit from these assistance covers. From September 2017 to the end of August 2018, a remote consultation experiment was conducted with two regional mutuals and Médecins Direct, a particularly attractive solution allowing individuals in rural areas with no physical access to physicians to consult a physician remotely. Remove consultation will be extended to all of the mutuals in 2019. Gan Eurocourtage integratedremote consultationinto its health solutionsin 2018. An insurance solution dedicated to seniors was launched three years ago with covers meeting their needs, such as increased reimbursements on hearing aids. Specific prevention covers are also incorporated into the product, particularly in dental and podology/podiatry,and pay for treatments not reimbursed by the compulsory schemes. The Groupama Active Health offerings, including for seniors, were enriched: the scope of alternative medicine, which is increasingly popular with the French, was extended, and the amount for a private hospital room per night was increased forcertain options. Our health insurance policy services are also designed for members ofthe “pivot generation”. A hotline for seniors has already been available for a long time – and will continue to be developed through the “connected home” – and is a response to the issues directly related to the ageing of the population, such as risks for long-term care and home support. With a focus on prevention and intergenerational assistance, Noé was launched in early 2017 and continued in 2018. Noé is a connected remote assistance service for seniors (connected bracelet, tablet, app on the phone of caregivers or relatives) can allow seniors to remain at home in complete safety. This new service provides a real-time link with a relative who is physically faraway. In Turkey, Groupama launched Healpy in 2018, an innovative mobile app serving healthcare customers and non-customers (preventive health with measurement of steps, geolocation of nearby hospitals,access to remote consultation,etc.).

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91 REGISTRATION DOCUMENT 2018 - GROUPAMA ASSURANCES MUTUELLES