ALPTIS

What ALPTIS does

Alptis Assurances is a Lyon-based French wholesale insurance broker (courtier grossiste) founded in 1976 and owned by a groupement d'associations d'assurés (policyholder associations), with no external shareholders and 100% of profits reinvested into member services. The company distributes supplementary health insurance (Santé Select, Mutuelle Senior, Santé Frontaliers Suisses, Santé Select Pro, Santé Collective), borrower insurance, prévoyance (death, disability, loss of autonomy), and retirement savings (PER individual and collective plans), alongside specialized lines such as cyber insurance, K&R, and private security liability. Its wholly owned subsidiary Solaé Prévoyance extends coverage to vulnerable populations including protected adults, EHPAD/USLD residents, and ESAT disabled workers.

The technology stack is a digital insurance platform anchored by self-service online quote generation (tarif.alptis.org), a 24/7 member portal (adherent.alptis.org), electronic signature workflows, and the 2026-launched Alptis Mon Assurance Santé mobile application, supplemented by the Alptis Communities digital platform and the volunteer-driven Santé Durable prevention program (600 active volunteers across France). Partnerships with the ACTIL healthcare provider network (370,000+ contracted professionals) and 17Cyber extend service reach into negotiated provider rates and incident response.

Alptis serves 500,000+ individual policyholders and 13,000+ corporate clients (TPE/PME/ETI) across five primary segments: seniors aged 60+, Swiss cross-border workers, self-employed professionals (TNS), vulnerable populations, and businesses seeking CCN-compliant collective coverage. Go-to-market combines direct-to-consumer digital channels, a broker/partner network (pro.alptis.org), and a Lyon-based enterprise sales team. Pricing is subscription-based, monthly billed, ranging from €30-180 per member depending on age, profile, and coverage tier, with up to 60% savings on borrower insurance versus bank-offered contracts and loyalty rewards improving benefits after two years of membership.

Name

ALPTIS

Legal name

Alptis Assurances

Website

https://alptis.org

Company type

Private

Founded year

1976

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Alptis Assurances is a Lyon-based French wholesale insurance broker (courtier grossiste) founded in 1976, serving 500,000+ individuals and 13,000+ businesses with supplementary health, borrower, prévoyance, and retirement savings coverage under a mutual policyholder-owned structure.

Ownership category

akta.pro rank

Product category

Insurance Brokerage (Supplementary Health and Protection)

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321), Life Insurance (6311)

akta.pro primary industry

Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB)

akta.pro secondary industries

Basic Group Term Life (Employer-Paid) (FSAIADAA), Individual Disability Income Insurance (Non-Group) (FSAIAIAA), Group/Employer-Sponsored Critical Illness & Hospital Indemnity (FSAIAKAD), Group AD&D (Standalone or Bundled with Life) (FSAIADAG)

Keywords

• Supplementary health insurance
• Borrower insurance
• Wholesale insurance broker
• Group prévoyance coverage
• Retirement savings plans

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: Recurring subscription-based premiums for supplementary health insurance covering individuals, seniors, cross-border workers, self-employed professionals, and corporate employees. Revenue from policyholder contributions across all health insurance product lines.
2. Borrower Insurance Premiums: Credit protection insurance for mortgage borrowers covering death, disability, incapacity. Sold through delegation insurance model allowing customers to replace bank-offered insurance.
3. Prévoyance (Death/Disability Insurance) Premiums: Personal protection insurance including death benefits, loss of autonomy coverage, and funeral expenses for individuals and professionals.
4. Collective Health & Prévoyance Contracts: Group insurance policies for businesses covering employee health and disability protection, compliant with CCN obligations.
5. Cyber & Security Insurance: Coverage for SMEs and professionals against cyberattacks, data breaches, and operational interruption including expert IT support and crisis management costs.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels5 records

Core offering

ALPTIS is a French wholesale insurance broker (courtier grossiste) that distributes supplementary health insurance, borrower insurance, prévoyance (death/disability) and retirement savings products to individuals, seniors, Swiss cross-border workers, self-employed professionals, vulnerable populations and corporate clients across France. It operates under a mutualist ownership model in which it belongs to a groupement d'associations d'assurés, with 100% of profits reinvested for policyholders.

Product overview

Alptis is a French wholesale insurance broker (courtier grossiste) founded in 1976, belonging to a group of policyholder associations. The company offers a comprehensive portfolio of insurance products organized around four main pillars: (1) Complementary Health Insurance covering individuals, seniors, Swiss cross-border workers, self-employed professionals (TNS), vulnerable persons (via Solaé Prévoyance subsidiary), and group/collective coverage for businesses; (2) Loan Insurance (Assurance Emprunteur) for property financing with potential 60% cost savings; (3) Provident Insurance (Prévoyance) including individual and collective coverage for death, disability, and loss of autonomy; and (4) Retirement Savings including individual (PERin) and company plans (PERECO/PERO). The product lineup also includes specialized offerings for cyber risks, kidnapping & ransom, private security, and a free health prevention program (Santé Durable). Alptis operates on a solidarity model where 100% of profits are reinvested into services for policyholders.

Differentiator

Problem solved

Functional benefit

Products and services

• Santé Select Modular health insurance product with customizable coverage levels and options for individuals, offering comprehensive coverage for hospitalization, dental, optical, hearing aids, and complementary medicine.
• Mutuelle Senior Health insurance designed for seniors and retirees aged 60+, offering comprehensive coverage including 100% Santé options, loyalty rewards after two years of membership, teleconsultation services, and legal protection.
• Santé Frontaliers Suisses Health insurance specifically designed for French residents working in Switzerland, covering healthcare in both France and Switzerland regardless of whether the policyholder is affiliated with Sécurité sociale or LAMal (Swiss health insurance).
• Santé Select Pro Health insurance for self-employed professionals (TNS/Travailleurs Non Salariés), offering modular coverage with customizable assistance services and Madelin law tax advantages.
• Solaé Prévoyance – Majeurs Protégés Specialized health insurance for protected adults (majors under legal protection), offered through Solaé Prévoyance, a subsidiary of Alptis Group, providing coverage adapted to vulnerable populations.
• Solaé Prévoyance – Résidents EHPAD Health insurance specifically designed for residents of EHPAD (nursing homes) and USLD (long-term care units), covering healthcare expenses for dependent seniors.
• Solaé ESAT – Travailleurs Handicapés Health insurance solution for disabled workers in ESAT (sheltered work establishments), providing mandatory collective health coverage as required by French law.
• Santé Collective Group health insurance for businesses, providing mandatory employer-sponsored coverage with customizable benefit levels compliant with collective bargaining agreements (CCN).
• Prévoyance Collective Group provident insurance for businesses, protecting employees against death, disability, and loss of autonomy risks.
• Assurance Emprunteur Loan insurance protecting borrowers and their families by guaranteeing loan repayment in case of death, disability, or inability to work, with potential savings of up to 60% compared to bank-offered policies.
• Prévoyance Pro+ Provident insurance for self-employed professionals and business owners, providing protection against death, disability, and professional activity interruption.
• Frais Généraux Overhead expense insurance protecting businesses by covering fixed costs in case of key person death or disability.
• Homme Clé Key person insurance protecting businesses against financial losses resulting from the death or disability of essential employees.
• Assurance Cyber Cyber insurance protecting businesses and self-employed professionals against cyberattacks, data breaches, and ransomware, with immediate expert support and crisis management coverage.
• Assurance Kidnapping et Rançon (K&R) Kidnapping and ransom insurance for businesses operating in high-risk regions, covering extortion demands and crisis response costs.
• Assurance Sécurité Privée Insurance solutions for private security companies, covering operational and liability risks specific to the security sector.
• Plan Épargne Retraite Individuel (PERin) Individual retirement savings plan (PERIN) offering flexible and simple retirement preparation with potential tax advantages.
• Plan d'Épargne Retraite Entreprise (PERECO/PERO) Company retirement savings plans (PERECO and PERO) providing retirement solutions for employees with employer and employee contribution options.
• Protection Juridique Legal protection coverage included in health insurance policies, assisting members in cases of medical errors, nosocomial infections, assault, or threats to physical or moral integrity.
• Santé Durable – Programme de Prévention Free health prevention program for members, offering health workshops and wellness activities organized by 600 volunteers across France to promote healthy lifestyle habits.

Quantifiable outcome

• Up to 60% savings on borrower insurance compared to bank-offered contracts
• +4 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Solaé PrévoyancecoreStrategic or Co-development PartnerSubsidiary entity of Groupe Alptis specializing in health protection for vulnerable populations. 30 years of experience serving protected adults (18,000+), tutelary structures (2,200), and family representatives (400). Provides tailored coverage for EHPAD residents, protected adults, and disabled workers in ESAT.

Scale indicators8 records

Recent moves5 records

Expansion highlights5 records

Broad incumbents

• SwissLife France: French arm of the SwissLife group offering health, prévoyance, retirement savings, and borrower insurance. A broad incumbent with overlapping products — particularly borrower insurance and retirement savings — competing for similar customer personas.
• AXA France: One of France's largest insurers offering health, prévoyance, and borrower insurance across individual and corporate segments. Provides significant competitive pressure on Alptis through bancassurance and direct distribution channels.
• Malakoff Humanis: One of France's largest mutual insurance groups offering group health, prévoyance, and retirement savings. Overlaps directly with Alptis's collective health and prévoyance business but operates at much larger scale and as a carrier rather than a broker.
• Harmonie Mutuelle: Major French mutual insurer offering individual and group health/prévoyance. Competes with Alptis across the member segments Alptis targets (seniors, TNS, individuals) but as a carrier with direct distribution.
• AG2R La Mondiale: Major French mutual insurance group offering health, prévoyance, retirement savings, and borrower insurance to individuals and corporates. Direct overlap with Alptis's full product portfolio but with carrier-level scale and capital.

Direct peers

• April: French insurance broker (courtier grossiste) offering health, prévoyance, borrower, and protection products to individuals and businesses. Competes head-to-head with Alptis in borrower insurance and TNS health, with similar multi-channel distribution.
• Henner: French insurance broker specializing in group health, prévoyance, and retirement for corporations and individuals. Operates the same courtier grossiste model with a comparable focus on collective and international cover, and is the closest direct competitor to Alptis in the French intermediary market.
• Klesia: French mutual group insurance specialist focused on prévoyance, health, and retirement for employees and self-employed. Directly competes with Alptis's collective health and prévoyance book with strong corporate client penetration.
• Mutuelle Générale: French mutual insurer (mutuelle) offering individual health insurance with strong presence in seniors and public-sector coverage. Comparable to Alptis on member-owned governance and the santé complémentaire focus.

Emerging players

• Alan: French health insurance insurtech with digital-first employer-sponsored health coverage. Represents the digital-native threat that could compete for some of Alptis's 13,000 corporate clients and Santé Select individual book.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries1 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 ALPTIS