Risk management is the process of identifying, analysing, accepting, mitigating or transferring uncertainty in investment decisions. Fund managers apply risk management by analysing and attempting to quantify the potential loss of an investment and then acting accordingly.

As part of its administrative collaboration and service digitalization strategy, Algeria’s National Social Security Fund for Non-Salaried Workers (Caisse nationale de la sécurité sociale des non‑salariés – CASNOS) has launched a web portal for issuing certificates of non-affiliation. This portal manages and facilitates the resolution of problems related to this procedure by providing reliable data and ensuring that applicants can quickly authenticate certificates and track the process online, as well as self-generate certificates and summary reports.

Institutions are being transformed thanks to the integration of new technologies. This vision represents a corporate change with a social impact, reducing costs, simplifying processes and procedures, and raising awareness of the importance and benefits of this transformation.

In the pursuit of its paperless policy, the National Social Security Fund for the Non-Salaried Workers (Caisse nationale de la sécurité sociale des non-salariés – CASNOS) of Algeria re-engineered its electronic records management system using state-of-the-art technologies.

This new, modern, universal system has quickly become a cornerstone of digital transformation by interacting with all of the fund's legacy systems.

Article 12 of Law No. 5508 on the Promotion, Protection of Maternity and Support for Breastfeeding establishes that maternity allowance should be paid to employed women by the social security scheme of Paraguay’s Social Insurance Institute (Instituto de Previsión Social – IPS). This amount is equivalent to 100 per cent of her salary at the time of delivery, and is paid for the prescribed months of rest. This used to be given to women in a single payment.

With a view to increasing social security coverage among non-salaried workers and ensuring contributor loyalty, Algeria’s National Social Security Fund for Non-Salaried Workers (Caisse nationale de la sécurité sociale des non-salariés – CASNOS) launched a portal centred on a workflow of human interaction, digital processes and technology.

E-recourse (télérecours) is the electronic submission of requests by employers in the construction, public works and hydraulics (CPWH) sectors for relief from surcharges and penalties relating to the late declaration of contributions due or activities, or of the annual declaration of wages and employees (déclaration annuelle des salaires et des salariés – DAS).

The issue of population growth and social security planning is one of the biggest challenges facing governments today, and is a key part of a good social security system that instils confidence in its members.

The Retirement and Pension Fund for Employees of Banks and Related Institutions (Caja de Jubilaciones y Pensiones de Empleados de Bancos y Afines) (Bank Fund, hereinafter) is in constant communication with its members. It therefore continuously updates its databases, in order to have a better understanding of members’ current realities, experiences and needs.

Digital transformation is happening in institutions through the integration of new technologies. This vision represents an institutional and social change, optimizing available resources, reducing costs, shortening processes and procedures, and raising awareness of the importance and benefits of this transformation.

Good practice in health – service quality.

As health-care systems have evolved to become more complex and due to the resultant increase in patients coming to harm in health care settings, patient safety has emerged as a health-care discipline.

The Actuarial Advisory Office (Asesoría Actuarial) of the Social Insurance Institute (Instituto de Previsión Social – IPS) carried out an actuarial valuation of the Common Retirement and Pension Fund (Fondo Común de Jubilaciones y Pensiones). The valuation looks to comply with international best practices and observe the guidelines and standards of the International Standards of Actuarial Practice 2 (ISAP 2), and the ISSA-ILO Guidelines on Actuarial Work for Social Security, with technical support from the International Labour Organization (ILO).

Like most of the world’s countries, Paraguay has adopted lockdown measures to prevent the spread of COVID-19. These steps taken by the government have impacted the productive sector, leading to mass suspensions of employment contracts for persons insured with the Social Insurance Institute (Instituto de Previsión Social – IPS) of Paraguay.

The National Social Insurance Fund for Employees (Caisse nationale des assurances sociales des travailleurs salariés – CNAS), Algeria’s primary social security body, covers virtually all types of risk, namely social insurance (sickness, disability, maternity and death), occupational accidents and professional diseases. It also collects contributions and fulfils missions of a health and social nature.

As part of the government's action plan to improve public services, particularly social security services for populations:

The National Social Insurance Fund for Employees (Caisse nationale des assurances sociales des travailleurs salariés – CNAS), Algeria’s primary social security body, covers social insurance risks, occupational accidents and professional diseases, collects contributions and fulfils missions of a health and social nature.

By emphasizing its focus on pensioners, taking advantage of the digital transformation and adopting an e-service-based approach, Algeria’s National Retirement Fund (Caisse nationale des retraites – CNR) has greatly improved its provision of electronic services to insured persons in general and pensioners in particular.

In the framework of the strategy adopted by Algeria’s National Social Insurance Fund for Employees (Caisse nationale des assurances sociales des travailleurs salariés – CNAS) to improve the service offered to insured persons and their dependants, focusing particularly on those with special needs, on the one hand, and on streamlining procedures and modernizing the public service, on the other, the CNAS has drawn up a wide-ranging programme of measures aimed at this group.

This programme has been implemented in the field by:

Automating the working relationship between healthcare professionals involves eliminating the need for insured parties to visit the National Social Security Fund for Non-Salaried Workers (Caisse nationale de sécurité sociale des non-salariés – CASNOS) in person to obtain clearance from its medical board. By providing access to the following benefits, it also leads to improved relationships with our partners.

For insured parties:

This project consists in providing inspectors with tablet computers and web and mobile applications as part of a new policy on the collection of contributions and monitoring of insured persons. The system performs the following functions:

It enables insured persons to:

The one-stop service centre project is in line with the initiative of Algerian authorities to rethink basic public services from the citizen’s point of view. Instead of functioning in an isolated fashion, our services need to be grouped into units that make benefits accessible under optimal conditions, preferably via a common interface: the “one-stop service centre”.

The Algerian social security system is based on declarations. The 340,000 or so employers covered by the scheme are responsible for these declarations.

The complicated declaration process often places pressures on employers that are likely to lead to heavily penalized delays in declarations and payments. This situation can affect the establishment of insured persons’ rights to social benefits.

In connection with care provision for adults and children suffering from heart disease and chronic terminal kidney failure, the National Social Insurance Fund for Employees (Caisse nationale des assurances sociales des travailleurs salariés – CNAS) has, over a period of 20 years, developed the concept of contracting treatment with private clinics which thus reinforce the public hospital system.

The National Social Insurance Fund for Employees (Caisse nationale des assurances sociales des travailleurs salariés – CNAS) continues to make efforts to communicate with its users (insured persons, dependants, employers, health professionals, partners, the public) using all existing channels. One worthwhile strategy in this area is the communication of social information by the production of a radio programme.

Maintaining financial balance is a major concern for the National Social Insurance Fund for Employees (Caisse nationale des assurances sociales des travailleurs salariés – CNAS) which covers more than 25 million people in Algeria as insured persons and dependants and manages 350,000 contributing employers.

The Online Retirement Portal serves Algerian citizens in general, and retired persons and future retirees in particular. It offers the following retirement-related services:

• follow-up on pension requests;
• managing complaints;
• home help;
• retirement accounts (on-line consultation).
   

Automating the working relationship between health-care professionals involves eliminating the need for insured persons to visit the offices of the National Social Security Fund for Non-Salaried Workers (Caisse nationale de sécurité sociale des non-salariés  ‒ CASNOS) to obtain approval by medical supervisors of prescribed medication, thereby improving relations with our partners by granting them access to the following services:

For insured persons:

Since 2016 the National Social Insurance Fund for Employees (Caisse nationale des assurances sociales des travailleurs salaries – CNAS) has conducted a national programme financed by its prevention fund. The aim of this information and awareness-raising programme for interns and apprentices on vocational training for the prevention of occupational accidents and diseases is to be proactive with future workers by providing them with knowledge and good practices in the field of occupational health and safety.

Medical check-ups must form part of the improved health care system with its mission of providing advice, analysis and monitoring.

Algeria’s National Fund for Paid Leave and Weather-Related Lay-Offs in the Construction, Public Works and Hydraulics Industries (Caisse nationale des congés payés et du chômage intempéries des secteurs du bâtiment, des travaux publics et de l’hydraulique – CACOBATPH), the only organization of its kind on the African continent and in the Arab world, offers workers in the construction, public works and hydraulics (CPWH) sectors, in addition to paid holidays, coverage for lay-offs owing to bad weather (snow, rain, ice, strong winds and so on) with a view to preserving the health and s

The nationwide extension of the use of the “CHIFA” electronic card for insured persons and its online updating is the most recent step in the modernization and improvement of the general conditions for the provision of service to insured persons and their dependants.

The National Social Security Fund for Non-Salaried Workers (Caisse nationale de sécurité sociale des non-salariés – CASNOS) oversees the compulsory coverage of social insurance and retirement benefit risks of independent farm and non-farm workers operating in Algeria. It manages the collection of compulsory contributions.

The farming industry experienced difficult times in the 1990s, during which farmers were unable to pay their contributions, resulting in the loss of all benefits for themselves and their dependants. 

Mutualising resources of social security institutions is a logical consequence of a government programme aimed at simplifying procedures with a view to improving public service. The constant increase in users’ expectations has lent real impetus to the reform process. Reform at the same time has involved another major challenge: efficiency and maintaining the financial balance of the system.

Given the constraints and difficulties encountered by applicants of disability aids, the National Social Insurance Fund for Employees (Caisse nationale des assurances sociales des travailleurs salariés – CNAS) is concerned to facilitate and streamline procedures and to modernize its services, and as such developed an Integrated Equipment Management System (SIGAP) with the following objectives:

As part of the extension of the third-party payment system, a new system was launched in 2012 and is gradually being introduced nationwide to enable a category of insured persons with medical and income-related conditions to benefit from the coverage of the cost of eyeglasses without advance payments. 

The response capabilities of the National Social Insurance Fund for Employees (Caisse nationale des assurances sociales des travailleurs salariés (CNAS)) in the area of prevention of occupational accidents and diseases is based mainly on a knowledge of the world of work and the risks likely to affect workers.

As part of its strategy to improve service quality and simplify declaration procedures, the National Fund for Paid Leave and Weather-related Layoffs in the Construction, Public Works and Hydraulics Industries (Caisse nationale des congés payés et du chômage intempéries des secteurs du bâtiment, des travaux publics et de l'hydraulique (CACOBATPH)) has implemented an electronic declaration system enabling users to make all their declarations online (via a portal):

With implementation of its smart card system (called the CHIFA card), Algerian Social Security is embarking on an in-depth modernization of the operations of its internal structures, particularly with regard to health professionals, for the benefit of its insured persons. This modernization programme has involved the intensive use of new communications and information technology.

Thanks to the new CHIFA card, the Algerian health insurance system now benefits from: