Alan

What Alan does

Alan is a Paris-headquartered digital health insurance company that has evolved into a vertically integrated prevention platform, operating in France, Belgium, Spain, and Canada with over 1.1 million members and 37,000 business customers as of Q1 2026. The company sells subscription-based group and individual health insurance (and prévoyance via a partnership with CNP Assurances) across nine distinct segments ranging from startups and TPEs through large enterprises, public sector entities, self-employed professionals, retirees, and (from January 2027) students, with tiered monthly pricing from €25 (student) to €124 (retiree top tier) per member. Its core platform combines insurance administration with embedded care services: Alan Clinic provides access to 80+ healthcare professionals via in-app chat and teleconsultation, Alan Play gamifies wellness with step challenges and rewards, Alan Shop sells zero-co-pay glasses with virtual try-on, Alan Map locates providers with cost estimates, and Alan Precision (launching summer 2026) offers €249 AI-supervised blood biomarker analysis with physician-validated action plans.

The technology stack is built on a mobile-first architecture hosted entirely on HDS-certified AWS Europe (Frankfurt), with additional Azure and GCP infrastructure for AI processing. Alan uses third-party foundation models — notably Anthropic Claude for Alan Precision — rather than proprietary in-house models, wrapping them with physician verification (Mo responses checked within 15 minutes) and a CNIL-compliant data governance regime that prohibits third-party model training on member data. The Mo AI health assistant supports both text and voice, performs conversational triage and proactive follow-up, and is the primary engagement layer. Distribution combines direct enterprise sales, self-serve digital onboarding, an expert-comptable partner channel (Fidu, Exco, France Defi, Alliance Eurus, Amarris, Michel Créuzot, Keobiz, Afyneo), HR-tech platform integrations (PayFit, Lucca), and fintech referrals (Shine, Qonto), plus a brand ambassadorship with Kylian Mbappé.

Alan's revenue model is primarily recurring subscription premiums — 2025 ARR was €785M with 53% YoY growth, and Q1 2026 ARR exceeded €800M — supplemented by standalone pay-as-you-go fees for Alan Precision blood testing and ancillary optical sales through Alan Shop. The company is profitable in France (its largest market), targeting group-level profitability by 2027, and has raised over €1.2 billion across multiple rounds from Teachers' Venture Growth, Index Ventures, Belfius, Prosus, Temasek, Coatue, Lakestar, Ribbit Capital, Dragoneer, and individual investors including Kylian Mbappé, Tobi Lütke, and Mike Katchen, reaching a €5.5 billion valuation in June 2026.

Name

Alan

Legal name

Alan Insurance

Website

https://alan.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Alan is a Paris-based digital health insurance and prevention platform serving over 1.1 million members and 37,000 businesses across France, Belgium, Spain, and Canada through subscription premiums and embedded care services including AI triage, teleconsultation, wellness gamification, and diagnostics.

Ownership category

akta.pro rank

Product category

Digital Health Insurance

NAICS

Insurance and Employee Benefit Funds (5251), Health Care and Social Assistance (62), Offices of Physicians, Mental Health Specialists (621112)

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Primary Care & General Medicine Virtual Care (Employer-Sponsored) (HLALADAA)

akta.pro secondary industries

Care Navigation, Advocacy & Benefits Guidance Platforms (HLALADAJ), Membership/Subscription Concierge Virtual Care (HLALAAAH), Virtual Specialty Care Programs (Payer-Sponsored) (HLALACAD)

Keywords

• Digital health insurance
• Insurtech platform
• Preventive healthcare
• Group health coverage
• Mental health services

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Health Insurance Premiums: Alan generates the majority of its revenue from health insurance premiums paid by employers for group coverage and by individuals (retirees, self-employed). Premiums are subscription-based and recurring. The company also earns from prévoyance (death/disability insurance) via its partnership with CNP Assurances.
2. Alan Precision (Blood Testing): A standalone blood testing subscription service priced at €249, offering advanced blood biomarker analysis with AI-supervised results and personalized physician-validated health action plans.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels8 records

Core offering

Alan is a licensed digital health insurer selling group and individual health insurance, prévoyance (death/disability) coverage, and integrated care services through a single mobile-first platform. Its core offerings combine recurring insurance premiums with embedded preventive care (Alan Clinic, Mo AI, Alan Play, Alan Precision) and digital tools for HR administration. The company operates in France, Belgium, Spain, and Canada, serving both employers and individual subscribers under one regulated insurance license.

Product overview

Alan is a Paris-based digital prevention insurance company offering a unified platform combining health insurance, prévoyance (death/disability coverage), and integrated healthcare services. The product portfolio centers on the core Alan insurance platform supplemented by Alan Clinic (direct access to 80+ healthcare professionals), Alan Precision (AI-analyzed blood testing), Alan Play (gamified wellness), and Mo AI Health Assistant (conversational triage). Additional offerings include Alan Shop (optical e-commerce), Alan Map (provider directory), and Alan Journal (AI-powered wellness journaling). Vertical-specific sub-brands include Alan Campus for students (launching January 2027) and Alan Dolce Vita for retirees. Alan operates across France, Belgium, Spain, and Canada, serving over 1.1 million members and 37,000 businesses as of mid-2026.

Differentiator

Problem solved

Functional benefit

Brands

• Mo: AI health assistant offering conversational triage, appointment support, and integrated mental-health services
• Alan Play
• Alan Map
• Alan Shop
• Alan Dolce Vita
• Alan Campus

Products and services

• Alan Health Insurance (Core Platform) Alan's primary digital health insurance product offering group and individual health coverage across France, Belgium, Spain, and Canada. Includes tiered employer plans (Essentiel from €61, Equilibré from €71, Optimal from €95 per employee/month) plus bundled access to Alan Clinic, Alan Play, Mo AI, and instant reimbursements.
• Alan Prévoyance

Quantifiable outcome

• 90% of reimbursements processed within 24 hours; 70% of psy/osteopath sessions reimbursed within 1 hour
• +12 more outcomes

Named customers27 records

Segments9 records

Ideal customer profiles8 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability10 records

Feature7 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• ArocoreStrategic or Co-development Partner · 26 June 2026Alan acquired preventive health startup Aro in 2026 as part of its strategy to expand preventive health services and build toward becoming a comprehensive prevention insurance platform.
• Alan Clinic (Ontario) — Mental Health Care IntegrationcoreStrategic or Co-development Partner · 17 February 2026Alan Clinic launched in Ontario, Canada in February 2026, embedding licensed talk therapy directly within the Alan insurance app. This moves away from traditional reimbursement models, enabling members to access therapy, manage scheduling, and process payments within the platform.
• CNP AssurancescoreStrategic or Co-development Partner · 1 January 2026Alan partners with CNP Assurances to offer prévoyance (death/disability insurance) products. CNP Assurances provides the insurance backing while Alan handles the digital-first distribution, employer management interface, and claims processing.
• EuropAssistanceminorStrategic or Co-development Partner · 1 January 2026Alan uses EuropAssistance as its travel assistance partner, providing emergency medical coverage and support for members traveling abroad. Data shared includes name, address, birthdate, policy dates, and member card number.
• Le Petit LunetierminorStrategic or Co-development Partner · 1 January 2025Alan shares member name, address, phone, and optical prescriptions with Le Petit Lunetier for fulfillment of glasses and contact lens orders placed through Alan Shop.
• AnthropiccoreTechnology or Integration · 1 January 2024Alan uses Anthropic's Claude AI models (hosted on AWS HDS-certified infrastructure) for AI health analysis in Alan Precision. Anthropic is prohibited from using member conversations or data to train its own models. Alan does not retrain or modify the fundamental AI model weights from these providers using member data.
• AWS (Amazon Web Services)coreTechnology or Integration · 1 January 2024Alan is hosted entirely on AWS Europe (Frankfurt region) certified for HDS (Hébergement de Données de Santé), meeting French healthcare data hosting requirements. AWS HDS certification is the French standard for health data hosting.
• Azure (Microsoft)coreTechnology or Integration · 1 January 2024Azure provides AI model hosting for certain Alan services (journal feature, Mo conversations) on HDS-certified infrastructure. Azure and Google Cloud Platform are used for AI processing, with explicit prohibitions on using member data for model training.
• Google Cloud PlatformcoreTechnology or Integration · 1 January 2024Google Cloud Platform provides AI model infrastructure for Alan services on HDS-certified cloud. Member data hosted in the EU is protected under binding corporate rules validated by CNIL.

Scale indicators9 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Lemonade: Lemonade is a US AI-driven digital insurance company using a mobile-first platform and behavioral economics. Directly comparable to Alan in its use of AI to disrupt traditional insurance, digital-first GTM, and vertical integration of insurance with adjacent services, though Lemonade focuses on renters/home/pet/life rather than health.
• Oscar Health: Oscar is a US digital health insurer offering ACA marketplace and individual/family plans through a tech-enabled platform. Directly comparable to Alan as a digital-first health insurance carrier integrating care navigation, telehealth, and provider tools to drive member engagement and cost control.
• Wefox: Wefox is a European digital insurance platform connecting customers with insurance products through a digital interface. Most direct European comparable to Alan's insurance-focused digital disruption model, though it spans multiple lines of insurance rather than specializing in health.
• Doctolib: Doctolib is France's leading telehealth and doctor appointment platform serving 80M+ patients. A direct regional comparable in the embedded care and navigation layer of Alan's stack, though Doctolib focuses on care delivery rather than insurance financing and underwriting.
• Kry (Livi): Kry is a Swedish-founded digital primary care provider operating across Europe as Livi. Directly comparable to Alan's Mo AI assistant and Alan Clinic virtual care offering, serving the same need for digital-first primary and mental health access integrated with payer/provider models.
• Getsafe: Getsafe is a German insurtech offering fully digital insurance products including health coverage. Directly comparable to Alan in its digital-first insurance approach targeting European consumers and SMEs, though Getsafe operates in the German market and across multiple insurance lines.
• Devoted Health: Devoted Health is a US tech-enabled Medicare Advantage health plan using proprietary technology to improve outcomes for seniors. Directly comparable to Alan's Alan's Dolce Vita retiree product and broader integrated care/insurance model, though Devoted is a payer-provider hybrid in a different regulatory environment.
• Sidecar Health: Sidecar Health is a US tech-driven health insurance company offering transparent, app-first plans. Comparable to Alan in its digital-first distribution, transparent pricing, and consumer-grade experience for health insurance, though Sidecar's model is individual rather than employer-led.

Broad incumbents

• AXA: AXA is a global insurance incumbent with significant French and European health insurance operations. Comparable as the dominant incumbent in Alan's core market with which Alan directly competes; AXA has broader insurance lines and legacy distribution but is investing in digital modernization.
• Cigna: Cigna is a global health services and insurance company with employer-sponsored group health plans. A broad incumbent comparable to Alan's enterprise B2B GTM and integrated care model, though at far greater scale and with a US-centric PBM-led model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights8 records

Customer concentration

• LinkedInlinkedin.com/company/avec-alan
• Xx.com/avec_alan
• Facebookfacebook.com/withalan

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries9 records

Funding overview

Funding rounds11 records

Investors25 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A4 records

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Alan