What Klesia does

Klesia is a French social protection insurance institution ('assureur d'intérêt général') that operates under the AGIRC-ARRCO complementary social protection framework, providing mandatory and supplementary health insurance (mutuelle), provident insurance (death, disability, incapacity), and supplementary retirement products to employees and retirees across 16+ professional branches. The group is structured around multiple entities including GIE KLESIA, GIE KLESIA Assurance de personnes, KLESIA Agirc-Arrco, and CARCEPT (transport sector), governed paritariamente by employer and employee representatives via the Association Sommitale. Its anchor vertical is French retail pharmacies ('pharmacies d'officine'), where Klesia reports protecting more than 80% of offices with a 60-year partnership history; other served verticals include medical biology laboratories, advertising agencies, leather goods, hotels/restaurants, expert-comptable firms, interim staffing, and personal services enterprises.

The product portfolio is anchored on CCN-mandated base plans (e.g., BASE RPO, BASE RPO Prévoyance) with modular reinforcement tiers (SURCO RSF/RSF+, RENFORT 1/2/3, Pharma+/2+/3+) and specialized add-ons such as the 'Maladies Redoutées' dread-disease guarantee co-developed with OCIRP VIE. Underlying technology consists of a multi-entity insurance administration platform with secure client portals (particuliers.klesia.fr, entreprises.klesia.fr), FranceConnect SSO integration, and an in-house CERT cybersecurity team; preventive and solidarity services are delivered through the 'Mes Services Prévention' platform and the 'Haut Degré de Solidarite' fund (2% of premiums). The company also invests in accessibility (Rogervoice integration for deaf/hard-of-hearing clients) and RGAA 4.1 web accessibility compliance.

Klesia operates a B2B2C distribution model via sector-specialized phone advisors, an expert-comptable partner network, and endorsements from professional branch social partners. Revenue is generated through recurring subscription premiums (percentage of PMSS or fixed Euro amounts), with employer minimum contributions of 50% of base coverage and monthly billing. The 'Haut Degré de Solidarite' mechanism channels 2% of health and provident premiums into solidarity and prevention programs, reinforcing the 'general interest' positioning. No external funding rounds, parent company, or public ticker were identified.

Name

Klesia

Legal name

KLESIA

Website

https://klesia.fr

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Klesia is a French social protection insurer providing complementary health, provident, and retirement coverage to employees across 16+ professional branches under the AGIRC-ARRCO framework, with a dominant position serving 80%+ of French pharmacy offices.

Ownership category

akta.pro rank

Product category

Group Health and Social Protection Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industries

Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Basic Group Term Life (Employer-Paid) (FSAIADAA)

Keywords

• Complementary health insurance
• Provident insurance
• Supplementary retirement
• Employee social protection
• Group insurance

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Supplementary health insurance (mutuelle) premiums collected from employers and employees for sector-specific health coverage including optical, dental, and medical care reimbursement
2. Provident Insurance Premiums: Death, disability, and incapacity coverage premiums for employees, including optional enhancements for serious illness coverage (cancer, stroke)
3. Retirement Management: Management of complementary retirement savings (Agirc-Arrco) for employees and retirees, including social action programs
4. Haut Degré de Solidarité Contributions: 2% of health and provident insurance premiums allocated to solidarity and prevention actions within professional branches, financing financial aid and personalized support for employees in difficulty

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Klesia is a French social protection insurer offering complementary health insurance (mutuelle), provident insurance (death, disability, incapacity), and supplementary retirement (Agirc-Arrco) for employees and retirees across more than 16 professional branches. It also delivers prevention services, dreaded-disease coverage (Maladies Redoutées), and solidarity actions funded by 2% Haut Degré de Solidarité contributions. Distribution is anchored in employer-sponsored group contracts aligned with each sector's collective agreement (CCN), supplemented by individual mutuelle offerings for retirees.

Product overview

KLESIA is a French social protection insurer ('assureur d'intérêt général') offering complementary health insurance, provident insurance, and supplementary retirement products. The product portfolio centers on sector-specific health and provident coverage for industries including pharmacies, medical laboratories, advertising agencies, leather goods, and other branches. Core offerings include BASE/BASE RPO health plans (mandatory minimum coverage) and provident insurance, with modular add-ons such as SURCO RSF/RSF+, RENFORT 1/2/3, and Pharma+/Pharma 2+/Pharma 3+ reinforcement plans for enhanced protection. The VITAMINE option for laboratories and Maladies redoutées guarantee (dreaded diseases coverage with OCIRP VIE partnership) provide specialized supplementary benefits. Prevention services are delivered through the Mes Services Prévention online platform, while the Haut Degré de Solidarité (HDS) fund finances solidarity and prevention actions. The CERT KLESIA team handles cybersecurity. All services are accessible via the Espace Client online portal.

Differentiator

Problem solved

Functional benefit

Brands

• CARCEPT Prévoyance: Provident insurance solutions for transport sector employees
• KLESIA Mut'
• LABO KLESIA
• KLESIA PRO SANTÉ PHARMA
• C&S (Conseil & Services)

Products and services

• Complementary Health Insurance for Pharmacies d'Officine (Santé) Group complementary health insurance for French pharmacy employees, with mandatory BASE RPO base coverage compliant with the pharmacy collective agreement (CCN), covering essential healthcare expenses. Sold to pharmacies (officines) and provided to their non-executive and executive employees.
• Provident Insurance for Pharmacies d'Officine (Prévoyance) Mandatory provident insurance for pharmacy employees covering death capital, double-effect guarantee, funeral expenses, incapacity, and invalidity. BASE covers non-executive staff; BASE RPO provides first-level compensation for executives.
• ADN Health Plan for Medical Biology Laboratories Mandatory base complementary health coverage for extra-hospital medical biology laboratory employees, compliant with the laboratory collective agreement requirements.
• Maladies Redoutées (Dreaded Diseases) Guarantee Collective insurance guaranteeing forfaitary capital of €5,000 or €10,000 and personalised medical-social support for employees diagnosed with serious illnesses (cancer, stroke, ALD). Co-developed with OCIRP VIE, it includes a multidisciplinary team of nurses, psychologists, occupational therapists, home helpers and social workers from diagnosis through return-to-work.
• Mes Services Prévention Online prevention services platform included with Klesia's health and provident contracts, centralising health, well-being, and regulatory-compliance services including DUERP support, helping reduce absenteeism and improve employee quality of life.
• KLESIA Agirc-Arrco Complementary Retirement Management Management of complementary retirement savings under the Agirc-Arrco framework for employees and retirees across Klesia's professional branches, including social action programmes and progressive retirement information.
• Carcept Prev Transport-Sector Provident Insurance Provident insurance for transport-sector employees offered under the Carcept Prev sub-brand, providing death, disability, and incapacity coverage tailored to the transport collective agreement.
• KLESIA Mut' Individual Mutuelle Individual complementary health insurance (mutuelle) product for retirees and individuals, accessible through the Particuliers client portal, with online quote and subscription capability.
• Solidarity and Eco-Responsible Health Offer for Advertising First solidarity- and eco-responsible group health insurance offer for the advertising sector, marketed under the C&S (Conseil & Services) sub-brand, providing sector-specific health coverage with CSR positioning.
• Provident Insurance for Maroquinerie (Leather Goods) Sector Mandatory provident insurance coverage for non-executive employees in the leather-goods manufacturing sector (articles de voyage, maroquinerie, gainerie, bracelets, gants), compliant with the maroquinerie collective agreement requirements.
• CERT KLESIA Cybersecurity Operations Internal Computer Emergency Response Team providing threat intelligence, vulnerability monitoring, threat hunting, major incident management (24/7), and cybersecurity training using MITRE ATT&CK, STIX 2.1, and Traffic Light Protocol frameworks for the protection of Klesia's information systems and clients.

Quantifiable outcome

• 40% of people diagnosed with cancer daily continue working
• +2 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and supporting.

• OCIRP VIEcoreStrategic or Co-development PartnerPartnership for 'Maladies Redoutées' (Dread Disease) insurance product providing capital and medical-social support for employees with serious illnesses like cancer and stroke. OCIRP VIE co-develops this unique collective market solution with KLESIA.
• RogervoicesupportingTechnology or IntegrationAccessibility technology partnership providing automatic transcription (TTA), French Sign Language (LSF) translation, and Completed Spoken French (LPC) services via interpreters for deaf and hard-of-hearing customers to access KLESIA customer service.
• HandéocoreStrategic or Co-development PartnerJoint development of 'Cap Handéo' label recognizing companies committed to supporting employee caregivers. KLESIA and Agirc-Arrco initiated this certification program managed by Handéo.
• ADAC (Automobile Club Association)supportingGTM or Marketing PartnerPartnership for quarterly 'Flash Info' financial wellness content covering topics like digital usage, leisure activities, micro-purchases, payment methods, retirement preparation, housing search, single parenting, vehicle costs, and scam prevention.
• Solidarité OfficinessupportingGTM or Marketing PartnerPlatform providing solidarity actions and prevention services for pharmacy sector employees, funded by the 'Haut Degré de Solidarité' contribution from health and provident insurance premiums.
• DomissimosupportingOthersHome care services provider accessible through KLESIA Action Sociale for finding personal services at home, CESU management information, and services for elderly or disabled individuals.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Henner: French independent group protection specialist focused on health, provident, and retirement for corporate clients and expatriates. Closely comparable to KLESIA in B2B group protection expertise and brokerage-style distribution.
• AG2R La Mondiale: Major French group protection insurer serving complementary health, provident, retirement, and savings — also an Agirc-Arrco institution. Highly comparable to KLESIA across product mix, distribution via professional branches, and institutional governance.
• Aesio Mutuelle: French mutual health insurer offering individual and group complementary health, provident, and retirement. Comparable to KLESIA as a non-profit, branch-driven French protection sociale operator.
• Malakoff Humanis: Leading French group protection insurer (health, provident, retirement, savings) formed by the merger of Malakoff Médéric and Humanis. Most direct comparability to KLESIA given overlapping AGIRC-ARRCO-aligned health/provident offerings and group social protection focus.
• Groupe VYV: France's leading mutual health insurance group (Harmonie Mutuelle, MGEN, etc.) offering complementary health, provident, and care services. Comparable to KLESIA as a solidarity-oriented, branch-based French protection sociale operator.

Broad incumbents

• Covéa: French mutual insurance group (MAAF, MMA, GMF) with growing group protection activities. Comparable to KLESIA's mutual governance model and offers overlapping health and provident products to SMEs and professionals.
• Crédit Agricole Assurances: Bancassurance arm of Crédit Agricole providing group health, provident, and retirement to corporate clients. Competes with KLESIA in employer-sponsored group benefits but distributes primarily through banking channels.
• SwissLife France: French arm of SwissLife offering group health, provident, retirement, and savings primarily through independent brokers. Compares to KLESIA in employer-sponsored group protection but with a broader commercial distribution model.
• AXA France: Largest general insurer in France offering group health, provident, and retirement alongside a much broader P&C and life portfolio. Overlaps with KLESIA in employer-sponsored group health and provident but with a far wider scope and for-profit structure.

Emerging players

• Alan: French digital health insurance insurtech offering simple, modern group health insurance to SMEs and tech companies. Emerging competitor to KLESIA in the SMB employer health segment with a digitally native experience.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCPFKsQlYlmnMMiZ8wjN-hNA
• Facebookfacebook.com/KLESIAMut
• LinkedInlinkedin.com/company/klesia
• Xx.com/Klesia

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Subsidiaries5 records

Funding overview

Funding rounds

Investors

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

M&A

Investments1 record

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

Frequently asked questions about Klesia