The year 2020 had started really well for ACS. In January and February, the travel and foreign insurance specialist’s business was dynamic, and the figures were encouraging for the months that followed. The announcement of the first incarceration, in mid-March 2020, was a crushing blow. The many cancellations of travel and travel have caused sales to fall sharply. In April, ACS was reimbursed more contracts than it did for new business. “This period has been very complicated for everyoneremembers Édouard Da Rin, its leader. For customers, very stressed by the situation, and who did not know how to return to France, or who wanted to cancel their contracts. And for our employees, overwhelmed by queries. At that time, our management department, consisting of three people, received more than one hundred emails a day. »
From July 2020, the company began to see signs of a stabilization of the situation. “People started leaving, but under certain conditions. They wanted to be better protected during their stay in the event of a new epidemic peak.” Until July 2021, therefore, activity resumed, but momentum had difficulty recovering. The ACS had to deal with the various protocols established around the world, and the subsequent incarcerations. For Édouard Da Rin, this period, between recovery and drastic decline in activity, was little “soft stomach” By the company. “We had to deal with problems, be psychological towards our customers and let the sale of new contracts lie. »
The activity after a health crisis increased tenfold
September 2021 marked the start of the recovery. The development of vaccines has allowed for the reopening of borders and the resurgence of departures abroad. Today, the leader has the impression of ” catch up “ : the figures are better than in 2019, an already very satisfactory year. in question? Many more requests for protection than before the Covid-19 pandemic. “People who go abroad today take out insurance, regardless of the length of their stay. The health crisis has made them aware of the need for adequate social protection abroad, health, assistance and repatriation are the essential guarantees “, explains Edouard Da Rin.
Some countries have also made health coverage against Covid-19 mandatory for travelers and expatriates. This has in turn led to more people taking out insurance, especially those traveling to Southeast Asia.
But this renewed dynamic is also for the director the result of the changes in ACS. From coercion, the health crisis finally became opportunities. For two years, the company committed to adapting its products to live up to policyholders’ expectations as closely as possible. If ACS already covered pandemics before 2020“We still had to change the contracts, add specific coverage against Covid-19 in our certificates and change the assistance and repatriation guarantees.says Edouard Da Rin. If anyone became ill abroad, he should in case of a problem be able to be treated on the spot or brought back to France. Knowing that a repatriation by medical aircraft in the worst cases can cost up to 100,000 euros, we had no room for error ”.
Two years after the start of the health crisis, Édouard Da Rin wants to be careful. The ghost of a new variant that would undermine this rediscovered dynamic encourages him to measure himself. But the leader “knocks on the tree”: because the recovery is actually there and the sector is also more competitive. “We are moving forward cautiously but surely, he says. Many signs tell us that we are in the right direction. The desire to explore the world is always very present. »