Neoliane Sante & Prevoyance

What Neoliane Sante & Prevoyance does

Néoliane Santé & Prévoyance is a French wholesale insurance broker (courtier grossiste) that designs and distributes a portfolio of individual complementary health, prévoyance, and miscellaneous-risk insurance products to French consumers. The company operates under ACPR supervision with ORIAS registration n°09 050 488, and sells exclusively through a two-tier distribution model: a network of independent broker partners (courtiers) accessing quoting and portfolio tools via the Néoliane Extranet, and the Santiane.fr online comparison platform with electronic-signature subscription. Néoliane does not engage in direct consumer sales, positioning itself as a product factory that brands, prices, and packages insurance, while third-party insurers (L'Équité/Generali for health and prévoyance, Mutuelle Bleue for death and dependency, UMC) carry the underwriting risk and Mutua Gestion administers the contracts.

The product portfolio comprises 23 branded offerings organized into four categories: 10 individual health plans (santé individuelle) such as Néoliane Pulse, Performance, Quiétude, Énergik, Optima, Plénitude, Dynamique, HospiSanté, Innov'Santé, and AltoSanté; 10 prévoyance products (IJH/Capital Décès, Dépendance, HospiZen, Multi-Accidents, Obsèques, Prév4en1, Protection GAV, Soutien Financier, Soutien Hospi, Tempo Décès); 2 miscellaneous risks (Soutien Juridique legal protection, Chiens & Chats pet insurance); and Néoliane Emprunteur loan insurance distributed via UGIP Assurances. Pricing is tiered subscription-based, with entry points as low as €2.35/month (IJH/Capital Décès) and coverage extending to €10M for loan insurance. The technology stack is conventional insurance administration: extranet portal for brokers, member self-service portals (Mon Néoliane), SEPA direct debit for premium collection, télétransmission integration with the French Sécurité Sociale, and a third-party payment network (Viamedis) covering 180,000+ healthcare professionals to enable tiers payant at point of care. No AI/ML capabilities are disclosed.

Néoliane is a privately held subsidiary within a four-tier Santiane group hierarchy: Santour Group Holding SAS (RCS Paris 889 965 430, €57.1M capital, controlled by Pierre-Alain de Malleray) → Groupe Santiane Holding → Groupe Santiane SAS → Néoliane Santé SAS (RCS Nice 510 204 274, €2M capital, headquartered 143 Boulevard René Cassin, Nice, with a Paris office). The company generates revenue through recurring insurance premiums on monthly, semi-annual, or annual billing cycles, with an administrative filing fee of €20 per standalone health contract. Its customer base is exclusively individual consumers — students, families, workers, seniors, pet owners, and mortgage borrowers — with co-developed strategic relationships with Malakoff Humanis (10M+ insured) and PREPAR/BRED Banque Populaire (700K+ clients) extending reach. No external PE/VC backing, M&A, or public listing has been identified.

Name

Neoliane Sante & Prevoyance

Legal name

Néoliane Santé, S.A.S.

Website

https://neoliane.fr

Company type

Private

Founded year

2009

Operating status

Operating

Headcount range

11–50 employees

Short description

Néoliane Santé & Prévoyance is a French wholesale insurance broker (courtier grossiste) designing and distributing 23 individual health, prévoyance, and loan insurance products exclusively through independent brokers and the Santiane.fr online platform, underwritten by partner carriers including L'Équité (Generali) and Mutuelle Bleue.

Ownership category

akta.pro rank

Product category

Health and Provident Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Wholesale Insurance Brokerage (Excess & Surplus Lines) (FSAEADAD)

akta.pro secondary industries

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ), Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Health insurance brokerage
• Complementary health insurance
• Personal risk insurance
• Loan insurance products
• Insurance wholesale broker

Headquarters

HQ city

Rion-des-landes

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance premiums (cotisations): Néoliane generates revenue through insurance premiums paid by individual policyholders on health, prévoyance (death, dependency, accident), loan insurance, and pet insurance contracts. Premiums are collected monthly, semi-annually, or annually via SEPA direct debit managed by third-party contract administrators.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels2 records

Core offering

Néoliane operates as a wholesale insurance broker (courtier grossiste) under ACPR supervision, offering a portfolio of complementary health insurance (santé individuelle), prévoyance (death, dependency, accidents, hospitalization indemnity), loan insurance, legal protection, and pet insurance products. Products are distributed exclusively through a network of independent broker partners and the Santiane.fr online platform, with administration handled by third-party managers (Mutua Gestion, Mutuelle Bleue) and coverage underwritten by partner insurers (L'Équité/Generali, Mutuelle Bleue, UMC).

Product overview

Néoliane Santé & Prévoyance is a wholesale insurance broker offering a comprehensive portfolio of health and providence insurance products distributed exclusively through a network of partner brokers. The product portfolio comprises three main categories: (1) Individual health insurance with 10 plans including Néoliane AltoSanté, Néoliane Pulse, Néoliane Performance, Néoliane Quiétude, Néoliane Énergik, Néoliane Optima, Néoliane Plénitude, Néoliane Dynamique, Néoliane HospiSanté, and Néoliane Innov'Santé; (2) Providence insurance with 10 products covering IJH/Capital Décès, Néoliane Dépendance, Néoliane HospiZen, Néoliane Multi-Accidents, Néoliane Obsèques, Néoliane Prév4en1, Néoliane Protection GAV, Néoliane Soutien Financier, Néoliane Soutien Hospi, and Néoliane Tempo Décès; (3) Miscellaneous risks including Néoliane Chiens & Chats (pet insurance) and Néoliane Soutien Juridique (legal protection); plus Néoliane Emprunteur (loan insurance). Products are insured by partners including L'Équité (Generali group), Mutuelle Bleue, UMC, and coverage is facilitated through the Viamedis third-party payment network.

Differentiator

Problem solved

Functional benefit

Brands

• Néoliane Pulse: Responsible health insurance offer with 8 guarantee levels, including prime de naissance/adoption and pass sportif.
• Néoliane Performance
• Néoliane Quiétude
• Néoliane Énergik
• Néoliane Optima
• Néoliane Plénitude
• Néoliane Dynamique
• Néoliane HospiSanté
• Néoliane Innov'Santé
• Néoliane AltoSanté
• Néoliane Dépendance
• Néoliane Protection GAV
• Néoliane IJH / Capital Décès
• Néoliane Obsèques
• Néoliane Tempo Décès
• Néoliane Multi-Accidents
• Néoliane Prév4en1
• Néoliane Soutien Financier
• Néoliane HospiZen
• Néoliane Soutien Hospi
• Néoliane Soutien Juridique
• Néoliane Chiens & Chats
• Néoliane Emprunteur

Products and services

• Néoliane AltoSanté Non-responsible health insurance plan accessible to persons aged 18 and older without age limit, featuring 6 levels of coverage with competitive pricing and services including teleconsultation, second medical opinion, and assistance.
• Néoliane Dynamique Health insurance accessible from age 18 with no age limit, offering 5 evolving formulas covering hospitalization, private room, dental, and optical care, with loyalty bonuses applied from the 2nd year of membership.
• Néoliane Énergik Non-responsible health insurance accessible to persons aged 18 to 89, featuring 6 competitive formulas with 2 optional packs (Bien-être and Bien-être+) covering hospital comfort, natural medicine, and thermal cures.
• Néoliane HospiSanté Non-responsible hospital-focused health insurance for persons aged 55 and older without age limit, concentrating reimbursements on hospitalization and its consequences, with consultations and pharmacy from formula 4 onwards.
• Néoliane Innov'Santé Non-responsible health insurance accessible to persons aged 18 and older without age limit, with 7 formulas and a global annual optical, dental, and audiology allowance managed freely throughout the year.
• Néoliane Optima Health insurance accessible up to age 85 with 5 formula choices, included assistance services from the effective date, and loyalty bonuses rewarding member fidelity.
• Néoliane Performance Health insurance accessible from age 18 with no age limit, offering 8 complete and evolving formulas with loyalty bonuses, family discounts, optional Éco rate reduction of 8%, and coverage for natural medicine and thermal cures.
• Néoliane Plénitude Health insurance accessible from age 18 with no age limit, offering 6 formula choices with complementary medicine coverage (approximately 20 practitioners), extra-hospital comfort, prevention, and optional Éco rate reduction of 8%.
• Néoliane Pulse Responsible health insurance plan accessible to persons aged 18 and older without age limit, featuring 8 levels of coverage with differentiating guarantees including birth/adoption bonus and sports pass, plus teleconsultation and assistance services.
• Néoliane Quiétude Health insurance offering 7 formula choices with benefits including hospitalization with private room, non-reimbursed medication coverage, natural medicine, thermal cures, and hearing aids, with optional Éco discount of 8% and loyalty bonuses. Leverages Viamedis third-party payment network across 180,000+ healthcare professionals.
• Néoliane IJH / Capital Décès Providence insurance providing daily allowances or death capital in case of accident without medical formalities, with 6 formulas starting at €2.35/month, capital options from €20,000 to €150,000, and coverage up to age 75.
• Néoliane Dépendance Providence insurance contract for persons aged 40 to 80, covering total loss of autonomy with capital paid in 3 installments, with 10 levels of coverage from €5,000 to €50,000 in €5,000 increments and 10% couple discount.
• Néoliane HospiZen Providence product providing complementary budget with daily allowances from €20 to €150 per day for adults and €10 to €75 per day for children, covering hospitalization in France and worldwide (travel under 3 months) up to age 80.
• Néoliane Multi-Accidents Providence insurance protecting against consequences of private life accidents (fall, burn, cut, fracture) and accidental death, with capital or daily allowances paid in case of accident and coverage up to age 75.
• Néoliane Obsèques Life insurance contract in case of death that pays capital to designated beneficiaries to finance funeral arrangements, with coverage from €2,000 to €12,000 in €1,000 tranches, lifelong guarantee option, and capital paid within 48 hours.
• Néoliane Prév4en1 Innovative 4-in-1 providence product combining death, total loss of autonomy, feared diseases, and everyday life accidents in a single contract, with capital up to €40,000.
• Néoliane Protection GAV Guarantee against Life Accidents (Garantie des Accidents de la Vie) covering consequences of everyday life accidents (burns, falls, drowning) for all household members, with adapted tariffs and indemnitary capital up to €1 million.
• Néoliane Soutien Financier Providence contract ensuring income maintenance in case of total temporary work incapacity (ITT) or unemployment following dismissal, with 19 indemnity levels from €100 to €1,000 per month and coverage up to 24 months.
• Néoliane Soutien Hospi Providence product providing daily allowances during hospital stays with 11 levels of indemnities to adapt to all needs, accessible from age 18 without age limit and with compensation doubled in case of accident.
• Néoliane Tempo Décès Providence insurance protecting in case of death, total and irreversible loss of autonomy, or feared disease, with capital from €10,000 to €40,000 and membership up to age 64.
• Néoliane Chiens & Chats Pet insurance for cats and dogs with 5 guarantee levels from economic accident-only coverage to comprehensive formulas including illness, vaccination, antiparasitics, sterilization, and dental scaling, with subscription possible from 3 months to 7 years of the animal without medical documentation.
• Néoliane Soutien Juridique Legal protection insurance providing accompaniment and protection in defending rights in case of dispute, with 3 formulas combining legal protection and accidental death capital, Formula 1 starting at €5.45/month and Essentielle formula at €7.95/month, with €20,000 per dispute coverage limit.
• Néoliane Emprunteur Loan insurance guaranteeing credit repayment in case of life hazards, distributed via UGIP Assurances partnership, with 100% digitized subscription, coverage up to €10 million borrowed capital, all sports covered, and potential savings up to €10,000 on loan insurance costs.

Quantifiable outcome

• Savings of up to €10,000 on loan insurance cost via Néoliane Emprunteur product
• +1 more outcomes

Named customers5 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• ViamediscoreTechnology or IntegrationViamedis is Néoliane's third-party payment (tiers payant) network partner, providing policyholders with dispensation from advance payment of healthcare expenses. Viamedis covers 100% of pharmacists practicing third-party payment in mainland France, 100% of hospitals, more than 95% of opticians, 90% of biologists, and 83% of radiologists. Néoliane's Quiétude product specifically leverages Viamedis for tiers payant across 180,000+ healthcare professionals.
• L'Équité (Groupe Generali)coreTechnology or IntegrationL'Équité Assurances is a subsidiary of Generali Group specialized in personal risk insurance (Santé & Prévoyance). It assures several Néoliane products including health plans (Initial+, Vitalité, Sérénité) and selected prévoyance products, benefiting from Generali's market strength and stability.
• Mutuelle BleuecoreTechnology or IntegrationMutuelle Bleue (MutBleue) has more than 319,000 insured individuals in prévoyance and is Néoliane's partner for death all-causes and total dependency products. Néoliane has partnered with Mutuelle Bleue to deliver high-end and competitive offerings in this segment.
• Malakoff HumaniscoreStrategic or Co-development PartnerWith more than 10 million insured individuals, Malakoff Humanis is a major player in social protection in France (retirement, health, prévoyance, savings). Néoliane and Malakoff Humanis co-develop personalized solutions in exclusive partnership. Malakoff Humanis is Néoliane's strategic partner for specialized prévoyance offerings.
• PREPAR (BRED Banque Populaire)coreStrategic or Co-development PartnerPREPAR, the insurance subsidiary of BRED Banque Populaire (created in 1984), serves more than 700,000 insurance clients. Néoliane and PREPAR co-created exclusive, tailor-made health and prévoyance products, combining Néoliane's product expertise with PREPAR's banking distribution reach.
• Inter Mutuelles Assistance (IMA)coreTechnology or IntegrationIMA is the N°1 assistance provider in France and is Néoliane Tranquillité's chosen partner for assistance services in case of hospitalization, immobilization, or death. Services include home help, childcare, psychological support, legal assistance, and more.
• Mutua GestioncoreImplementation/ SI/ Consulting PartnerMutua Gestion is the primary contract administrator for most Néoliane products. It handles premium collection, claims processing, policyholder communication, third-party payment card issuance, and the télétransmission system linking with the French national health insurance system (Sécurité Sociale). Policyholders contact Mutua Gestion for contract management questions.
• UGIP AssurancesminorChannel Partner/ Reseller/ DistributorUGIP Assurances is a partner for loan insurance (assurance de prêt) distribution. Néoliane loan insurance is accessible via the UGIP Assurances platform, extending Néoliane's reach in the borrower insurance segment.
• Santiane.frcoreChannel Partner/ Reseller/ DistributorSantiane.fr is the primary online broker and distributor of Néoliane products. It operates an online comparison platform where Néoliane products are featured, offering electronic signature and online subscription. Néoliane customers who subscribed via Santiane.fr are directed to Santiane's own customer service for support.

Scale indicators6 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• April: April is one of France's leading wholesale insurance brokers (courtier grossiste), distributing health, prévoyance, loan and personal lines through partner brokers. Highly comparable in business model (wholesale brokerage), customer base (individuals/SMEs) and product breadth.
• Alptis: Alptis is a French courtier grossiste group distributing health, prévoyance and lifestyle insurance to individuals via a broker partner network. Same wholesale-broker model and target segments as Néoliane.
• SPVIE Assurances: SPVIE is a French wholesale insurance broker focused on health, prévoyance and personal lines for individuals, distributed through partner brokers. Directly comparable to Néoliane in channel and product mix.
• Henner: Henner is a French insurance specialist (courtier grossiste) with deep expertise in individual and group health and prévoyance products. Comparable to Néoliane in product specialization and broker-distribution model.
• CEGEMA: CEGEMA is a French wholesale insurance broker focused on health insurance for individuals and professionals. Comparable as a specialist courtier grossiste with similar target customers.

Broad incumbents

• Malakoff Humanis: Major French social protection group covering 10M+ insured individuals across health, prévoyance, retirement and savings. Comparable as a broad incumbent in the same health/prévoyance space and a strategic partner to Néoliane.
• Generali France: Generali France is a major French insurer operating broadly across life, health, P&C and prévoyance through its L'Équité subsidiary. Comparable as a broad incumbent and a key underwriting partner of Néoliane.
• AXA France: AXA France is a leading French insurer with broad health, prévoyance and personal lines products distributed via agents and brokers. Comparable as a broad incumbent competing in the same individual insurance categories.
• Aon France: Aon France is a global insurance brokerage and advisory firm with significant French health and benefits brokerage operations. Comparable as a broad brokerage incumbent active in health/prévoyance placement.
• Willis Towers Watson France: WTW France (formerly Gras Savoye) is a global insurance and risk advisory broker with large French health & benefits operations. Comparable as a broad incumbent in French commercial and individual insurance brokerage.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/neoliane.fr
• LinkedInlinkedin.com/company/5272100

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Neoliane Sante & Prevoyance