Groupe VYV, France’s leading, mutual, health and social security player, brings together three major areas of business: insurance, care and support, and housing. Since its creation in 2017, the group’s aim has been to develop synergies between these areas, to provide the best possible service for its members, patients, residents, and society as a whole. To build bridges between the different solutions the group provides, and ensure they can be accessed by the people who need them, it has launched a project focused on “pathways” thinking. Groupe VYV chose to begin by tackling one of the major challenges facing society today: support for caregivers.

A "pathway" approach that aims to provide complete and personalized solutions to caregiving situations

When a loved one finds themselves with a loss of autonomy or becomes dependent, helping them in their daily life places a mental, emotional, and financial burden on their caregiver, which frequently leads to a state of fatigue and stress. The “pathway” approach aims to identify such caregiving situations, and provide complete and personalized solutions to them.

An analysis of the solutions the group can offer is conducted, and, in parallel, an assessment carried out to understand, as clearly as possible, who the carers are, their concerns, the difficulties they experience and the different types of relevant assistance. Once the carers have been identified, it’s a case of putting psychosocial support in place to meet their needs in a personalized way, before directing them toward the most beneficial solutions. Having set out this general framework in 2020, Groupe VYV sought a partner to help implement these new pathways – starting with a trial phase, before rolling out the approach more widely.

VYV key figures


  • 45,000 employees
  • 11 million people insured
  • 69,000 corporate clients covered by health and long-term income protection insurance
  • Revenue: close to €10bn
  • 1,700 care and support facilities

This is THE symbolic project that has made the idea of operating as “one group” concrete – through its synergizing of teams, disciplines, entities, processes, and a variety of business functions.

Agathe Pironneau,
Manager of the Communication-Projects steering unit, Groupe VYV

Moving from a traditional to a platform model

VYV has selected Wavestone to conduct this trial phase, with a brief to develop creative proposals that can digitalize the pathways and generate integrated and seamless solutions. The group particularly values Wavestone’s multi-dimensional approach and its strong sense of client relations, which make its teams highly adaptable.

A first area of work aims to establish the operational and financial models for the pathways. A second addresses the digital aspects, with the development of a website and its integration within the group’s IT infrastructure. In particular, this involves coordinating a range of business entities that use different systems and tools. Lastly, an organizational work steam oversees roll out into parts of the business that have trained their employees and are actively working to identify caregiving situations.

This transformation is fundamental for Groupe VYV because it reinvents the organization’s core model, by moving from a traditional to a platform approach. As a result, the group is developing into a true service provider, whether services are delivered directly or through partners.

A symbolic project that concretizes Groupe VYV's desire to operate as “one group”

Groupe VYV has managed to construct an entirely new vision in a short space of time. This care-management approach, which involves building the relationship through a single point of entry, to support and offer advice to the people who need it, represents a fundamental shift. One of the key challenges in successfully implementing the new vision is the need to engage a large number of people working across a huge range of disciplines.

Given this, the majority of the entities that form the group have been called upon to get involved. The project has been exceptional in fostering the “one group” ethic that is so important to Groupe VYV – taking maximum advantage of the opportunities to drive synergies among the different parts of its business.

The project is therefore highly strategic too: it personifies the group’s customer promise as a mutual player, which puts solidarity and close relationships at the heart of its non-profit financial model. This progress has produced the building blocks for the VYV 2025 strategic plan, published at the beginning of January 2022 – which moves the group into an acceleration phase and anchors its activities in performance on solidarity.

Working with Wavestone has been highly beneficial and deeply fundamental in helping us lay down, at group level, the key principles for our model and our trajectory; and this has fed into our VYV 2025 strategic plan and a good number of its ambitions.

Marjorie de Jaeghere, Group Consulting and Strategy Director , VYV Group