APICIL Group

Name

APICIL Group

Legal name

Groupe APICIL

Website

https://groupe-apicil.com

Company type

Private

Founded year

1938

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

APICIL Group is a French paritarian and mutualist social protection group providing complementary health insurance, provident coverage, life savings, Agirc-Arrco retirement management, and financial services to 2.2 million individual policyholders and 57,573 enterprise clients.

Ownership category

akta.pro rank

Product category

Social Protection Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (525120), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Hospital & Medical Service Plans (6324), Investment Advice (6282)

akta.pro primary industry

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

akta.pro secondary industries

Private Banking & UHNW Wealth Advisory (FSAEABAC), Retirement Plan Participant Advice & Managed Accounts (FSAEABAF), Annuity & Insurance-Based Retirement Solutions Advisory (FSAEABAH), Private Banking Advisory & Discretionary Portfolio Management (FSABADAD)

Keywords

• Health insurance
• Provident insurance
• Life insurance savings
• Complementary retirement
• Wealth management services

Headquarters

HQ city

Caluire-et-cuire

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Complementary health insurance premiums from individuals, enterprises, and self-employed professionals. Includes mandatory complementary health, optional supplements, and sector-specific plans.
2. Provident Insurance: Death, disability, incapacity, dependency, and borrower insurance products for individuals and corporate clients.
3. Life Insurance and Savings: French and Luxembourg-domiciled life insurance (APICIL Epargne, OneLife), capitalisation contracts, and savings accounts distributed via multiple brands.
4. Retirement Scheme Management: Agirc-Arrco complementary pension collection, rights calculation, and pension disbursement for private sector employees.
5. Banking Services: Private banking, asset management, and financial services through Gresham Banque and APICIL Asset Management.
6. Service Fees: Third-party management services (Gentto), teleassistance (Bluelinea), career transition support (M'O Transition), and QVCT services.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels6 records

Core offering

Groupe APICIL sells complementary health insurance, collective and individual provident insurance (death, disability, incapacity, dependency, borrower), life insurance and savings (French and Luxembourg-domiciled), and manages the Agirc-Arrco complementary retirement scheme. The group also distributes private banking (Gresham Banque), asset management (APICIL Asset Management), online goal-based savings advisory (NALO), wealth management for independent advisors (INTENCIAL Patrimoine), and a portfolio of services spanning teleassistance for vulnerable persons (Bluelinea), third-party payment networks (ACTIL), third-party health and provident management (Gentto), professional transition support (M'O Transition) and Quality of Life at Work consulting (Groupe JLO).

Product overview

Groupe APICIL operates as a diversified social protection and heritage group organized around four core business domains: Health & Provident Insurance (Santé-Prévoyance), Savings & Financial Services (Épargne & Services Financiers), Complementary Retirement (Retraite Complémentaire), and Services. The group functions as a platform-based organization with multiple specialized brands serving distinct customer segments including individuals, businesses, self-employed workers, retirees, and professional associations. Key entities include APICIL Mutuelle and APICIL Prévoyance for health/provident coverage, A2VIP and Veralti Courtage for broker-distributed collective insurance, Territoria Mutuelle for public sector, OneLife and APICIL Life for Luxembourg-domiciled life insurance, Gresham Banque for private banking, INTENCIAL Patrimoine and NALO for independent wealth management, APICIL Asset Management for asset management, and Bluelinea/ACTIL/Gentto for services. The group's integrated model combines insurance products with service offerings including remote assistance, professional transition support, and health network management, all coordinated through APICIL's strategic plan 'Impulsions 2028.'

Differentiator

Problem solved

Functional benefit

Brands

• Fondation APICIL: Public utility foundation dedicated to pain management for vulnerable persons since 2004
• Fondation Gresham
• Team APICIL Handisport

Products and services

• APICIL Mutuelle - Complementary Health Insurance National interprofessional mutual offering collective and individual complementary health contracts for businesses, employees, individuals, self-employed workers and retirees.
• APICIL Prévoyance - Provident Insurance Collective and individual provident insurance contracts covering death, disability, incapacity, dependency and borrower coverage, distributed via company or industry agreements.
• A2VIP - Institution de Prévoyance Prévoyance institution offering collective provident contracts for businesses and insurance brokers within the APICIL distribution platform.
• Veralti Courtage - Collective Insurance Brokerage Insurance company specializing in distribution of collective health and provident insurance through broker networks to corporate clients.
• Territoria Mutuelle - Territorial Public Service Health Cover Affinity mutual specializing in complementary health insurance for the Territorial Public Service (FPT) workforce.
• APICIL Epargne - Life Insurance and Heritage Protection French-domiciled life insurance and heritage protection products for individuals distributed through a specialized insurance company within the group.
• OneLife - Luxembourg Cross-Border Life Insurance Luxembourg-based life insurance specialist offering cross-border solutions including life insurance, tax optimization, wealth management and asset protection for individuals, companies, wealth managers and brokers.
• Gresham Banque Privée - Private Banking Private banking services for individual wealth management clients, offering credit facilities, back-office operations and dedicated advisory for family holdings and high net worth individuals.
• NALO - Online Goal-Based Savings Advisory Online investment advisory and savings platform for individuals, one of the French leaders in goal-based investing, distributed through the group.
• INTENCIAL Patrimoine - Independent Wealth Advisor Distribution Distribution brand dedicated to independent wealth management advisors (CGPI/CIF) for individual savings distribution within the group.
• APICIL Asset Management - Asset Management Asset management services for the group and its members, offering mandates and funds across active, benchmarked and indexed styles to advisors, intermediated distribution and institutional clients.
• APICIL Wealth Partners - Institutional Wealth Solutions Investment solutions in banking and insurance for major accounts, institutional clients, networks, fintech and insurtech partners, with customized approach and dedicated support.
• Agirc-Arrco Complementary Pension Management Mandatory complementary retirement management: APICIL collects corporate contributions, calculates retirement rights and pays pensions for private sector employees under the Agirc-Arrco scheme, with exclusive mandate in the Rhône-Alpes region.
• Bluelinea - Remote Assistance and Connected Devices Remote assistance and connected objects services for elderly safety, facilitating daily life for people with disabilities, their caregivers and healthcare professionals and supporting aging at home.
• ACTIL - Health Network and Third-Party Payment Health services platform managing health networks and third-party payment services (tiers payant) for businesses, covering 57,573 corporate clients.
• Gentto - Third-Party Management Platform Third-party account management platform for collective health and provident insurance, delivered in partnership with Docaposte as the digital trust infrastructure provider.
• M'O Transition - Professional Transition Support Professional transition support services for individuals in career transition and those questioning their professional future, part of the DAS Services division.
• Groupe JLO - Quality of Life and Working Conditions (QVCT) Consulting and individual support services for Quality of Life and Working Conditions (QVCT), employee assistance and digital workplace solutions.
• Liberlo - Online Appointment Booking for Alternative Medicine Online appointment scheduling platform for alternative and complementary medicine practitioners operating within the DAS Services division.
• Plébagnac Assurances - Disability and Dependency Insurance Insurance specialist for disability and dependency risks, particularly electric wheelchairs, for individuals and professionals.

Quantifiable outcome

• 182% solvency ratio exceeding regulatory requirements
• +3 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

AI capability2 records

Feature4 records

Partnerships

15 partnerships are on record, tiered flagship, core and minor.

• Fédération Française de Rugby (FFR)flagshipGTM or Marketing Partner · 1 January 2025Major partner of French Rugby Federation with focus on inclusion through sport. Partnership supports all forms of rugby including women's, para, and wheelchair rugby. Includes stadium accessibility initiatives and Sensory Rooms for autism spectrum attendees.
• EPCR (European Professional Club Rugby)flagshipGTM or Marketing Partner · 1 January 2025First French partner of EPCR. Partnership focuses on promoting inclusion through rugby and supporting accessible match experiences. Includes free tickets for disabled spectators at matches.
• Fédération Française HandisportcoreGTM or Marketing Partner · 1 January 2021Official partner since 2021 to develop and promote sports practice for people with disabilities. Supports competition access and coach training. Group has supported handisport athletes since 1987.
• Agirc-ArrcocoreStrategic or Co-development PartnerInstitutional partner for complementary retirement management. APICIL collects contributions, calculates retirement rights, and pays pensions for private sector employees under the Agirc-Arrco scheme in Rhône-Alpes region.
• DocapostecoreTechnology or IntegrationDigital trust partner referenced for third-party health and provident management services. Docaposte provides digital infrastructure supporting Gentto's third-party management platform.
• UNPRI (Principles for Responsible Investment)coreOthersUN-backed principles organization. APICIL signed PRI in 2021 committing to integrate responsible investment practices across all investment decisions.
• Advance (Investor Initiative)minorStrategic or Co-development PartnerShareholder engagement initiative promoting human rights in corporate management. Part of APICIL's active ownership and dialogue with invested companies.
• Fondation APICILcoreOthersPublic utility foundation entirely dedicated to pain management and care for vulnerable persons. Since 2004, has supported over 869 projects improving physical and psychological pain treatment.
• Fondation GreshamminorOthersFoundation under Fondation de France umbrella committed to helping children in vulnerable situations achieve maximum autonomy. Contributes to increasing integration opportunities and changing societal views on disability.
• Handéo ObservatoryminorOthersFunding provided to create a reference center for technical and human aids related to disability. Supports accessibility certification for personnel working with disabled individuals.
• Hospices Civils de Lyon FoundationminorOthersPartnership to accelerate innovative project development favoring personalized patient care. Financially supports projects deployed within Lyon hospitals.
• France Répit FoundationminorOthersPublic utility foundation created in 2013 by caregivers and family caregivers. APICIL is financial partner supporting caregiver respite services.
• Entrepreneurs dans la VilleminorOthersAssociation receiving pro-bono consulting and mentorship support. Helps integrate people in precarity into economic and social life through entrepreneurship.
• 60 000 RebondsminorOthersAssociation providing mentorship and support for entrepreneurs who have experienced business failure. Helps with professional reinsertion after entrepreneurial setback.
• UnalisminorStrategic or Co-development PartnerMutual insurance organization listed as partner. Provides mutual health coverage options within the APICIL ecosystem.

Scale indicators12 records

Recent moves21 records

Expansion highlights7 records

Broad incumbents

• BNP Paribas Cardif: Insurance arm of BNP Paribas providing savings, protection, and health solutions distributed through banking partners—comparable breadth and overlaps with APICIL's life insurance and provident lines but leveraging a global distribution platform.
• CNP Assurances: Major French life and personal protection insurer with bancassurance partnerships and broad savings/health offerings—a scaled competitor in the same core insurance categories as APICIL.
• AXA France: French subsidiary of AXA offering health, provident, savings, and retirement products to individuals and enterprises; competes across APICIL's portfolio but with much larger scale and broader brand recognition.
• Crédit Agricole Assurances: French bancassurer integrating life insurance, savings, health, and retirement into Crédit Agricole's bank network; competes with APICIL's savings/retirement businesses but at much larger scale and through bank-channel distribution.

Direct peers

• AG2R La Mondiale: Major French mutualist social protection group offering complementary health, provident, savings, and retirement under a paritarian governance model—directly comparable to APICIL's core structure and product mix.
• Klesia: French mutualist group specializing in complementary retirement and provident for enterprises and branch agreements, operating under the same paritarian governance as APICIL and competing for the same corporate clients.
• MACIF: French mutual insurer covering property, health, and life insurance for individuals and small businesses—similar mutualist governance and product breadth to APICIL, though more focused on property lines.
• Harmonie Mutuelle: Large French health mutual offering complementary health, provident, and care services to individuals and enterprises—closely overlapping with APICIL Mutuelle's offerings and distribution model.
• Malakoff Humanis: Leading French paritarian social protection group formed from mergers, covering health, provident, retirement, and savings for enterprises and individuals—an almost identical business model and customer base to APICIL.

Emerging players

• MGEN: Major French health mutual serving public sector and education professionals with complementary health, provident, and care services—overlaps with APICIL's health/provident business, especially via Territoria Mutuelle's public sector focus.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@groupeApicil
• Facebookfacebook.com/groupeapicil
• LinkedInlinkedin.com/company/apicil
• Instagraminstagram.com/groupeapicil
• TikToktiktok.com/@groupeapicil
• Xx.com/groupeAPICIL

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles13 records

Subsidiaries25 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 APICIL Group