APICIL Group

What APICIL Group does

APICIL Group is a French paritarian and mutualist social protection group offering complementary health insurance (complémentaire santé), provident insurance (death, disability, incapacity), collective and individual savings/retirement products, and AGIRC-ARRCO supplementary retirement administration. The group serves 1.9 million insured individuals and 53,323+ companies through four operating entities — APICIL Mutuelle (Livre II du Code de la Mutualité), APICIL Prévoyance (Institution de Prévoyance under Livre IX du Code de la Sécurité sociale), APICIL Épargne (Société Anonyme), and APICIL Transverse (association de moyens) — and is the 4th-largest French social protection group with disclosed revenue of €3.9 billion. Distribution is multi-channel: 3 public-facing physical agencies (Lyon Lafayette, Bourg-en-Bresse, Valence), 15 non-public enterprise bureaus across major French cities, broker and wealth-management-advisor (CGP) networks, an expert-comptable partner channel, embedded partnerships (Bluelinea teleassistance, Santévet pet insurance, Gresham Banque Privée), telephone/inside sales, and digital self-serve platforms.

The underlying technology combines consumer-facing portals (mon.apicil.com, particulier.apicil.com, pro.apicil.com, assure.apicil.com, employeur.apicil.com, entreprise-retraite.apicil.com, front-epargne-retraite.apicil.com) and a mobile application ('APICIL mon espace santé') with back-office infrastructure built on third-party SaaS — Intercom for real-time chat, Matomo/Google Analytics/Hotjar/Microsoft Clarity for analytics, Cloudflare for security and load balancing, Keycloak for authentication, SaleCycle for quote-abandonment retargeting, iadvize for conversational marketing, and Acceo for hearing-impaired accessibility. Proprietary surface areas include an Action Sociale & Sociétale grants workflow, an integrated multi-line insurance platform (Santé, Prévoyance, Épargne, Retraite) under one Group umbrella, and a Salon Client content hub (articles, webinars, podcasts, Apiquiz). The group also holds an 81% majority stake in Bluelinea (Silver Economy teleassistance), acquired 100% of Alpheys (asset management and technology) in January 2024, and is a four-year Partenaire Majeur of the Fédération Française de Rugby.

The business model is overwhelmingly recurring: subscription premiums from individual, self-employed (TNS), and enterprise collective health and provident contracts (annual billing cadence), management fees for AGIRC-ARRCO supplementary retirement administration, and asset-based fees on savings vehicles (assurance-vie, PERIN, PERP, Madelin, PEROB, PPE, PERECO, Article 83). Pricing is quote-based and not publicly disclosed, with module-level customization by risk profile, age, coverage tier, and segment; -20% reductions are available to new business creators on TNS contributions, and enterprises receive €500–€3,000 of annual prevention aid. The group complements premium revenue with €12M+ annual Action Sociale & Sociétale expenditure on handicap inclusion, prevention, and solidarity programs, differentiated partly on societal impact rather than purely on price.

Name

APICIL Group

Legal name

APICIL Transverse

Website

https://mon.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 mutualist social protection group offering health, provident, savings, and AGIRC-ARRCO retirement products to 1.9 million insured individuals and 53,323+ companies across France.

Ownership category

akta.pro rank

Product category

Health and Social Protection Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114), Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251)

SIC

Insurance Carriers, Nec (6399), Life Insurance (6311), Services-Membership Organizations (8600)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

akta.pro secondary industries

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE), Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB), Healthcare-Linked Social Benefits Administration (e.g., Medicaid/Means-Tested Health Coverage) (BPAIAKAH), Public Health & Health Equity Organizations (BPAGACAL)

Keywords

• Complementary health insurance
• Provident insurance solutions
• Collective retirement savings
• Individual life insurance
• Social protection services

Headquarters

HQ city

Caluire-et-cuire

HQ country

France

HQ region

Europe

Offices19 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums (Complémentaire Santé): Recurring premiums from individual, self-employed (TNS), and enterprise group health insurance contracts. Core revenue driver covering 1.9 million insured individuals and 53,323+ companies.
2. Provident Insurance Premiums (Prévoyance): Recurring premiums from individual and collective provident insurance covering death, disability, and incapacity risks. Sold to individuals, self-employed, and enterprises.
3. Savings and Retirement Products (Épargne & Retraite): Individual savings (assurance-vie, PERIN, PERP, Madelin) and collective retirement products (PEROB, PPE, PERECO, Article 83). Distributed via APICIL Épargne and Gresham Banque Privée.
4. Retirement Management (AGIRC-ARRCO): Management of supplementary retirement for private-sector employees under the AGIRC-ARRCO regime. Acts as a retirement fund manager, informing and accompanying employees and enterprises.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels10 records

Core offering

APICIL Group is a French social protection group offering complementary health insurance (Mutuelle Santé) for individuals, self-employed workers, and enterprises, provident insurance (death, disability, incapacity), individual and collective savings/retirement products (PERIN, PERP, Madelin, assurance-vie, PEROB, PERECO, Article 83), and AGIRC-ARRCO supplementary retirement management. The Group also bundles partner services such as Bluelinea teleassistance for seniors and Santévet pet insurance, distributed through physical agencies, broker networks, and digital self-serve portals.

Product overview

APICIL Group is a French social protection company offering a comprehensive portfolio of health insurance (complémentaire santé), prévoyance (death/disability/income protection insurance), collective and individual savings/retirement products, and related services. The product architecture centers on modular health insurance offerings (Mutuelle API Santé for individuals, Mutuelle PROFIL'R CO for enterprises, specialized senior and hospitalization products), prévoyance solutions for all segments (API Prévoyance, TOTEM for businesses, TANDEM for self-employed), and retirement management through AGIRC-ARRCO and various savings vehicles (PEROB, PERECO, PERIN, PERP, life insurance). Services include social action programs, teleassistance for seniors (Bluelinea), pet insurance (Santévet), and private banking (Gresham Banque Privée). The company operates as a paritarian and mutualist group serving 1.9 million insured individuals across 53,323 companies.

Differentiator

Problem solved

Functional benefit

Brands

• Santévet: Pet health insurance partnership
• Bluelinea
• Gresham Banque Privée

Products and services

• Mutuelle API Santé Core complementary health insurance (complémentaire santé) product for individual policyholders, providing modular coverage of costs not covered by French social security, including optics, dental, hearing, and hospitalization.
• Mutuelle API Santé Senior Specialized complementary health insurance product for seniors with coverage tailored to age-related health needs, including access to Bluelinea teleassistance services.
• Mutuelle Essentio Hospitalization-only or super-complementary health insurance product for individuals requiring targeted coverage for hospitalization costs beyond standard complementary plans.
• Mutuelle PROFIL'R CO Corporate collective health insurance product for businesses (contrat collectif obligatoire), enabling employers to provide modular employee health coverage compliant with French ANI obligations.
• API Prévoyance (Individual) Individual provident/protection insurance covering death, disability, and incapacity risks to protect families against life's contingencies.
• TOTEM Prévoyance Entreprise Enterprise collective provident insurance solution for businesses, addressing employee protection against death, disability, and incapacity under branch agreements (accords de branches).
• TANDEM Prévoyance TNS Provident insurance product specifically designed for self-employed workers (TNS), artisans, merchants, and liberal professions under the Loi Madelin tax framework.
• Épargne Retraite Collective Collective retirement savings products including PEROB (mandatory company savings plan), PPE, PERECO (collective retirement savings plan), and Article 83 contracts offered to corporate employees.
• Épargne Individuelle Individual savings and retirement products including PERIN, PERP, Madelin contracts, and life insurance (assurance-vie), distributed via Gresham Banque Privée for personal savers.
• APICIL Agirc-Arrco Retraite Complementary retirement management services as administrator of the AGIRC-ARRCO mandatory supplementary pension scheme for private-sector employees, providing information and ongoing support to both employees and enterprises.
• Bluelinea Teleassistance 24/7 teleassistance service for seniors offered through partnership with Bluelinea (81%-owned subsidiary), integrated into APICIL's Silver Economy product offering.
• Santévet Pet Health Insurance Pet health insurance product offered through partnership with Santévet via APICIL's individual client portal, providing health coverage for animal companions.
• Gresham Banque Privée Private banking services for high-net-worth clients within the Group, distributing APICIL savings products to wealth management advisors (CGP) and private banking customers.

Quantifiable outcome

• 53,323 companies and 1.9 million insured individuals served across France
• +3 more outcomes

Named customers2 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature4 records

Partnerships

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

• BluelineacoreStrategic or Co-development Partner · 30 June 2026Groupe APICIL holds an 81% majority stake in Bluelinea, a major player in France's Silver Economy sector specializing in 24/7 teleassistance for seniors. APICIL integrated Bluelinea's teleassistance service into its product offering for seniors. In June 2026, APICIL guaranteed Bluelinea's €1.47M capital increase and extended a €1.5M cash advance to support refinancing. The relationship is a core strategic pillar of APICIL's expansion into the senior care and Silver Economy market.
• AlpheyscoreStrategic or Co-development Partner · 18 January 2024APICIL acquired 100% of Alpheys, a company operating in property management and technology. The acquisition extends APICIL's capabilities into asset/property management and technology infrastructure. Details of the transaction were not publicly disclosed beyond the acquisition announcement.
• SantévetminorGTM or Marketing PartnerSantévet is a pet health insurance provider partnered with APICIL. APICIL offers Santévet's pet insurance products through its individual client portal (particulier.apicil.com), providing pet owners with bundled health protection alongside their own APICIL coverage.
• Christelle Ravit-VergèsminorStrategic or Co-development PartnerChristelle Ravit-Vergès, a sophrologist specializing in sleep, collaborated with APICIL's Action Sociale team to create the 'Sommeil rebelle' (Rebellious Sleep) series of 4 podcasts. Each 10-minute guided session addresses specific sleep issues: ruminations, nighttime awakenings, insomnia, and nightmares. The content was produced as part of APICIL's health prevention mission.
• LiberlominorStrategic or Co-development PartnerLiberlo, a member of the Groupe APICIL, is a platform facilitating access to verified wellness practitioners (sophrologists, etc.). APICIL references Liberlo in connection with Christelle Ravit-Vergès' podcast series, indicating a subsidiary/partnership relationship for expanding access to well-being services.
• SmartDietminorStrategic or Co-development PartnerSmartDiet, experts in nutrition-based health prevention counseling, co-animated a nutrition webinar with APICIL's Action Sociale team titled 'Mieux manger pour mieux vivre' (Eat better to live better), providing expert guidance on balanced eating habits.
• Fédération Française de Rugby (FFR)flagshipGTM or Marketing PartnerAPICIL serves as 'Partenaire Majeur' (Major Partner) of the French Rugby Federation, sponsoring women's and men's XV de France, France 7, and U20 teams for 4 years. The partnership supports sport-based inclusion and provides high-visibility national brand exposure through rugby events and communications.
• Action Sociale partner associations (Handéo, Fondation APICIL, Fondation HCL, Le Petit Monde, Métropole Aidante, Maison du Répit)coreOthersAPICIL's Action Sociale & Sociétale program supports approximately 6 named associations working in Handicap Inclusion, health, and social solidarity. These partners receive grants and collaborative support as part of APICIL's €12M+ annual social action commitment.

Scale indicators9 records

Recent moves6 records

Expansion highlights7 records

Broad incumbents

• BNP Paribas Cardif: Insurance subsidiary of BNP Paribas offering protection, health, and savings products distributed through banking networks. Comparable in savings and collective enterprise offerings, much larger in distribution scale.
• AXA France: French arm of global insurer AXA, offering health, life, and savings products to individuals and enterprises. Significantly larger and capital-rich incumbent competing for the same collective and individual insurance customers as APICIL.
• Crédit Agricole Assurances: Insurance arm of Crédit Agricole, distributing health, life, and savings through bancassurance channels. Overlaps with APICIL in savings/retirement and collective health for enterprise customers.
• Groupama: One of France's largest mutual insurance groups with broad P&C, health, life, and banking offerings. Overlaps with APICIL in individual health and prévoyance but operates at significantly larger scale across multiple insurance lines.

Direct peers

• Harmonie Mutuelle: Major French mutual health insurer (part of VYV group) offering complementary health, prévoyance, and savings. Comparable mutualist structure and similar target segments including individuals, TNS, and enterprises.
• AG2R La Mondiale: Major French mutualist insurance group specializing in retirement, prévoyance, health, and savings. Closest peer to APICIL in mutualist governance, AGIRC-ARRCO administration role, and enterprise collective contract focus.
• Pro BTP: French mutualist group providing health, prévoyance, retirement, and savings to construction industry workers and their employers. Comparable mutualist structure with similar product portfolio tailored to a specific sector.
• Vyv (Groupe VYV): Leading French mutualist group (parent of Harmonie Mutuelle, MGEN, etc.) offering health, prévoyance, and care services. Directly comparable to APICIL in mutualist governance, scale, and product breadth across individuals and enterprises.
• Klesia: French paritarian social protection group serving enterprises with health, prévoyance, and retirement solutions. Direct competitor in the SMB and branch convention enterprise collective insurance segment.
• Malakoff Humanis: French paritarian social protection group formed from the merger of Malakoff Médéric and Humanis, offering health, prévoyance, savings, and retirement. Directly comparable to APICIL as a similar-sized mutualist group competing in identical French enterprise and individual segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/groupeApicil
• Facebookfacebook.com/groupeapicil
• LinkedInlinkedin.com/company/apicil
• Instagraminstagram.com/groupeapicil

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments3 records

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

Frequently asked questions about APICIL Group