What Carcept Prev does

Carcept Prev (legal name: CARCEPT Prévoyance) is a French mutual insurance institution specializing in complementary health insurance (complémentaire santé), provident insurance (prévoyance covering death, disability, and work incapacity), and supplementary retirement administration (AGIRC-ARRCO) for the French transport and logistics sector. The company serves employees, executives, self-employed workers, retirees, and enterprises across more than a dozen transport sub-sectors, including road freight (TRM), passenger transport (TRV), urban transport, air transport ground personnel, logistics/warehousing, railway handling, inland navigation, private security, waste management, moving, and machine rental — many of these covered under mandatory collective agreements (conventions collectives) for which Carcept Prev operates as a designated partner.

The company's product portfolio centers on CARCEPT Santé Klé (a four-tier individual/family health plan), CARCEPT Prévoyance (sector-specific provident coverage with executive and non-executive formulas), Maladies Redoutées (dread disease rider co-developed with OCIRP VIE), and salary maintenance (mensualisation) riders. Supporting services include 24/7 teleconsultation, second medical opinions, healthcare provider geolocation, digital claims analysis, and the Transportez-Vous Bien (TVB) sector-specific prevention program covering nutrition, sleep, ergonomics, and road risk. Distribution combines a B2B2C employer-enrollment model with direct-to-consumer digital self-service through dedicated individual and enterprise client portals, inside sales call centers, and partnerships with social partners and industry bodies (notably UTPF). Revenue is generated entirely through recurring subscription premiums on collective and individual contracts, with pricing pooled across transport sub-sectors and modulated by coverage tier, employer size, and convention requirements.

Carcept Prev is a subsidiary of the KLESIA group and operates as a mutuelle d'assurance (mutual insurance institution) rather than a venture-backed company. The core technology stack is conventional (Drupal 9.5.8 CMS, PHP, Keycloak-based authentication), with third-party integrations handling functional complexity: Noémie for automated health-expense teletransmission with CPAM, FranceConnect for government SSO, AGIRC-ARRCO for retirement administration, Net-entreprises for DSN declarations, Pôle Emploi for unemployment verification, and Rogervoice for deaf/hard-of-hearing accessibility. The company employs 1,001–5,000 staff across its Montreuil headquarters and a Lyon operations support office.

Name

Carcept Prev

Legal name

CARCEPT Prévoyance

Website

https://carcept-prev.fr

Company type

Private

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

Carcept Prev is a French mutual insurance institution, part of the KLESIA group, providing health, provident, and retirement insurance products to employees, enterprises, and self-employed workers in the French transport and logistics sector under designated collective agreements.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices3 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 (Complémentaire Santé): Recurring premium revenue from collective and individual health insurance contracts. Employers subscribe group policies for employees, with options for individual upgrades (Renfort R1, R2, R3). Revenue is collected monthly via payroll deductions or direct debit. Family coverage includes a 10% discount for spouses.
2. Provident Insurance Premiums (Prévoyance): Recurring premium revenue from collective provident insurance covering death, disability, invalidity, and work incapacity for transport sector employees. Includes mandatory employer-convention coverage for non-executives (TAPS, TRM, logistics) and executive plans at 1.50% of salary. Also includes optional monthly salary maintenance (mensualisation) riders.
3. Dread Disease Insurance (Maladies Redoutées): Optional collective rider covering serious illnesses (cancer, stroke, organ transplant, etc.) providing a lump sum (€5,000 or €10,000) and personalized medical-social support. Must accompany a base provident plan.
4. Complementary Retirement (Retraite Complémentaire): Management and administration of supplementary retirement savings (AGIRC-ARRCO) for transport sector employees, channeling contributions and managing entitlements.

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels8 records

Core offering

Carcept Prev is a French mutual insurance institution that designs, underwrites, and administers collective health insurance (complémentaire santé), provident insurance (death, disability, invalidity, and work incapacity), and supplementary retirement (AGIRC-ARRCO) for transport and logistics sector employers and workers. Its product portfolio is structured around transport collective agreements (TRM, TAPS, logistics, air transport, inland navigation, private security, waste management, moving, sanitation transport, urban transport), with tiered health plans (Faible, Moyen, Elevé, Renforcé/Renforts R1-R3), executive and non-executive provident formulas, dread-disease riders, salary-maintenance (mensualisation) coverage, teleconsultation, second medical opinions, and the Transportez-Vous Bien (TVB) prevention program.

Product overview

Carcept Prev is a provident and health insurance mutual specializing in the French transport sector, offering a comprehensive portfolio of insurance products and digital services. The core offerings include CARCEPT Santé Klé (health insurance) and CARCEPT Prévoyance (provident insurance), supported by sector-specific solutions for air transport, logistics, road transport, and other transport-related industries. The product ecosystem includes supplementary coverage for dreaded illnesses, salary maintenance insurance (mensualisation), and access to prevention programs like Transportez-Vous Bien (TVB). Digital services are delivered through the Espace Client online portal with accessibility features including Rogervoice integration, teleconsultation services, and automated claim processing via the Noémie system. The company operates as part of the KLESIA group and partners with AGIRC-ARRCO for retirement management.

Differentiator

Problem solved

Functional benefit

Brands

• Carcept Prévoyance: Provident insurance products for the transport sector covering death, disability, and incapacity risks.
• CARCEPT Santé Klé
• Maladies Redoutées

Products and services

• CARCEPT Santé Klé Health insurance mutual providing coverage for medical expenses including optical, dental, hospitalization, and preventive care for individuals, couples, and families, with customizable guarantee levels (Faible, Moyen, Elevé, Renforcé). Available to transport-sector workers and the general public.
• CARCEPT Prévoyance Provident insurance covering death, disability, and inability-to-work risks for transport-sector employees, including capital death benefits, disability pensions, and incapacity coverage, with executive and non-executive formulas by convention.
• La Complémentaire Santé du Transport Collective health insurance solution designed for transport and logistics companies, compliant with their collective agreements, with base coverage and optional add-ons (RN4, RN6, RN7, A10, A13) plus individual reinforcements (Renforts R1, R2, R3).
• Maladies Redoutées (Dread Disease) Optional collective rider covering serious illnesses such as cancer, stroke, and organ transplants, providing a lump-sum capital of €5,000 or €10,000 plus personalized medico-social support services. Must accompany a base provident contract. Co-developed with OCIRP VIE.
• Transport Aérien - Prévoyance Cadre Executive provident insurance for air-transport-sector cadres, providing a 1.50% formula meeting ANI obligations with five optional reinforcement solutions covering up to 100% of net salary for death, invalidity, and work-incapacity.
• Transport Aérien - Prévoyance Non-Cadre Non-executive provident insurance for ground personnel in air transport, offering two death-capital options (minorated with accident coverage or majorated without accident coverage), compliant with the December 2017 agreement.
• Logistique - Prévoyance Provident insurance for warehousing and storage companies (Code APE 5210B), mandatory from 1 January 2026, covering death, disability, and fitness-to-drive risks with 1 base convention and 5 complementary formulas.
• CARCEPT Pro Santé Health insurance solution specifically designed for self-employed workers (TNS/Travailleurs Non-Salariés), micro-entrepreneurs, and business owners in the transport sector, providing access to comprehensive coverage without the employer-subsidy component of group plans.
• Mensualisation (Salary Maintenance) Salary-maintenance insurance complement that reimburses employers for their mandatory salary-continuation obligation during employee sick leave, mitigating cash-flow strain from illness-related absences.
• KLESIA ACS Labelled health insurance offer for individuals eligible for ACS (Aide au paiement d'une Complémentaire Santé), providing subsidized health coverage for low-income households.
• Transportez-Vous Bien (TVB) Sector-specific prevention program for transport-sector employees covering nutrition, sleep, lifestyle, posture, stress management, and road risks, including educational content, wellness coaching, and the Car Prev' mobile health-screening tour.

Quantifiable outcome

• €30 gift voucher reward for both referrer and referred party upon health insurance enrollment under the referral program (March–December 2026)
• +1 more outcomes

Named customers2 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

Integration7 records

AI capability5 records

Feature8 records

Partnerships

Five partnerships are on record, tiered core and flagship.

• RogervoicecoreTechnology or IntegrationRogervoice provides Carcept Prev with real-time telephone accessibility for deaf and hard-of-hearing customers. Services include automatic transcription (TTA), French Sign Language (LSF) interpretation, and French spoken/completed (LPC) interpretation via video, handled in real-time by certified interpreters. Available Monday–Friday 8:30–18:00 for health/prevident inquiries and 8:30–17:30 for social action.
• OCIRP VIEcoreStrategic or Co-development PartnerOCIRP VIE and KLESIA co-developed the Maladies Redoutées (Dread Disease) collective insurance product, providing capital and personalized medical-social accompaniment for serious illness (cancer, stroke, organ transplant, etc.). OCIRP VIE contributes its expertise in occupational disability and serious illness coverage while KLESIA/Carcept Prev provides its distribution network in the transport sector.
• AGIRC-ARRCOcoreStrategic or Co-development PartnerCarcept Prev administers supplementary retirement (retraite complémentaire) for transport sector employees through the AGIRC-ARRCO framework. The partnership includes a third-party declarant portal (espace tiers déclarant) integrated into the client portal for simplified retirement contribution management.
• Union des Transports Publics et Ferroviaires (UTPF)flagshipStrategic or Co-development PartnerCarcept Prev co-organizes the annual Bus d'Or competition with UTPF, the leading industry event recognizing excellence in public transport bus driving. The 23rd edition was won by Lionel Combacau (Transdev Valence Mobilité) in 2026. This partnership positions Carcept Prev as the reference insurer of the transport sector.
• KLESIAcoreOthersCarcept Prev is a brand and subsidiary of the KLESIA group, which provides the underlying institutional infrastructure, social action services (KLESIA Action Sociale), purchasing advantages (KLESIA Avantages), and the broader insurance ecosystem including KLESIA Mut' for retirees.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• PRO BTP: French social protection group dedicated to the construction and public works (BTP) sector, offering health, provident, retirement, and savings products via a mutual structure and convention-based distribution. Operates on an essentially identical model to Carcept Prev but for the BTP vertical — making it the closest structural analogue.
• AGRICA: French social protection group serving the agricultural and agri-food sectors with health, provident, retirement, and savings products. Highly comparable mutual/ convention-based model targeting a different but equally sector-specialized vertical.
• Audiens: French social protection group dedicated to the cultural, media, and entertainment sectors, providing health, provident, retirement, and unemployment support via convention-based distribution. Same sector-specialized mutual model as Carcept Prev.
• KLESIA (parent group): Parent social protection group providing the institutional infrastructure for Carcept Prev and other sector-specific subsidiaries. Same mutual/ convention model, broader sector coverage (BTP-adjacent, services), and shared back-office capabilities.

Broad incumbents

• AG2R La Mondiale: Large French social protection group offering health, provident, retirement, savings, and asset management products across multiple professional sectors. Operates the same mutual/ convention model but at much greater scale and breadth than Carcept Prev.
• Malakoff Humanis: Major French social protection group (formed by merger of Malakoff Médéric and Humanis) offering health, provident, retirement, and employee benefits across multiple sectors. Comparable in scale, mutual governance, and product breadth to the broader KLESIA group of which Carcept Prev is a part.
• Groupe VYV: Leading French mutual health and social protection group (Harmonie Mutuelle, MGEN, etc.) offering complementary health, provident, and care services. Operates a mutual/ convention-based model comparable to Carcept Prev but across broader populations including civil servants and individuals.
• AXA France: French arm of global insurer AXA, offering a broad portfolio of health, life, and property/casualty products to individuals and enterprises. Overlaps with Carcept Prev in supplementary health, provident, and retirement, but as a much larger capitalized competitor without transport-sector specialization.

Emerging players

• Henner: Independent French group specializing in health, provident, and retirement products for individuals, professionals, and enterprises. Direct overlap with Carcept Prev's health/prevoyance lines, particularly for TNS and SME segments, but with a less convention-bound go-to-market.
• Alan: French health insurance insurtech offering modern, digital-first complementary health insurance to individuals and small businesses. Direct competitor in the individual and TNS segments where Carcept Prev also operates, with substantially superior digital experience and pricing transparency.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks1 record

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC1hQXSxhxMznm-gzNvOF18g
• Facebookfacebook.com/TransportezVousBien
• LinkedInlinkedin.com/company/carcept-prev
• Xx.com/CarceptPrev

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

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 Carcept Prev