AOC Insurance Broker

What AOC Insurance Broker does

AOC Insurance Broker (legal entity LF FINANCE SAS) is a French-regulated insurance brokerage operating a digital comparison and advisory platform for international health, travel, life, and income protection insurance. Founded in 2008 and headquartered in Courbevoie (Paris) with an Asia Bureau in Hong Kong, the company is registered as an insurance intermediary with ORIAS (08 045 906) and is supervised by ACPR under the French Insurance Code. Its product surface spans corporate and individual expatriate health insurance, branded travel products (Student, Schengen, Business, Tourist, Worldwide, Globe Expatrié), CFE complementary insurance for French expatriates, life and income protection cover, and a mobile application (AOC Expatcare on iOS and Android) paired with a client extranet portal.

The platform aggregates policies from 20+ international insurance partners — including AXA, Cigna, Bupa, Allianz, Globality Health, Foyer, Now Health, William Russell, Integra Global, IMG, Aetna, Henner, and Malakoff Humanis — and routes customers through either self-serve online comparison and quote forms or expert-advisor-led consultation, with a separate RFP process for corporate and expatriate group accounts. The technology stack is a web-based comparison and quote engine with partner-carrier integrations, a client-facing mobile app, and an extranet, but no public APIs, SDKs, or AI/ML capabilities are disclosed.

The business model is commission-based brokerage: AOC earns commissions from insurance carriers for policies placed and renewed, supplemented by distribution of its own branded travel products underwritten by Groupama, Mondial Care, and Wellaway. Pricing is set by underlying carriers and is quote-based rather than published. Go-to-market is hybrid: top-of-funnel digital demand generation (website, blog, social, RSS) feeds both self-serve SMB/consumer flows and direct enterprise sales for corporate group business. The company employs 1-10 people and serves a globally dispersed base of individual expatriates, families, international students, working holiday visa holders, travelers, and corporate clients with expatriate workforces.

Name

AOC Insurance Broker

Legal name

LF FINANCE SAS

Website

https://aoc-insurancebroker.com

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Product category

International Health Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• International health insurance
• Insurance brokerage services
• Expatriate health coverage
• Travel medical insurance
• Insurance comparison platform

Headquarters

HQ city

Courbevoie

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: AOC Insurance Broker earns commissions from insurance companies (partners) for placing policyholders. As an insurance broker registered with ORIAS, they receive commissions from insurers for each policy sold and renewed.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels7 records

Core offering

AOC Insurance Broker is a French-registered insurance broker that compares and distributes international health, life, income protection, and travel insurance plans from 20+ global insurers to expatriates, travelers, students, and corporate groups. It earns commissions from insurer partners for policies placed, supported by an online comparison platform, expert advisor consultation, and the AOC Expatcare mobile application for ongoing policy management.

Product overview

AOC Insurance Broker operates as an international health insurance comparison platform and broker, offering both proprietary branded products and access to partner insurance providers. The core offering includes corporate and individual expat health insurance plans, complemented by branded travel insurance products (Student, Schengen, Business, Tourist, and Worldwide). The company partners with major international insurers including AXA, Cigna, Bupa, Allianz, Foyer, Globality Health, Now Health, William Russell, Integra Global, and IMG to provide a comprehensive marketplace for expatriates and travelers. Additional offerings include life and income protection insurance, CFE complementary insurance for French expatriates, and a mobile application (Expatcare) for plan management. The platform architecture consists of a web-based comparison and quote generation system with partner insurer integrations for policy distribution.

Differentiator

Problem solved

Functional benefit

Brands

• AOC Expatcare: Mobile application platform for expats to manage their health insurance, compare plans, and access benefits
• AOC Globe Expatrié

Products and services

• Individual Expat Health Insurance Personal international health insurance brokerage for expatriate individuals and families, providing access to comparable plans from multiple global insurers covering medical expenses, hospitalization, and repatriation worldwide.
• Corporate Health Insurance for Expatriates Group health insurance brokerage for companies, NGOs, and international organizations employing expatriate staff, offering hospitalization, outpatient coverage, and international medical benefits structured through a corporate RFP/bidding process.
• AOC Expatcare Mobile Application Proprietary mobile application (iOS and Android) enabling expatriates to compare insurance plans, manage health coverage, find healthcare providers, track claims, and access loyalty/reward programs.
• Life & Income Protection Insurance Brokered life and income protection insurance for expatriates, providing disability and death benefits via partner insurer William Russell, with coverage up to £1,500,000/$2,000,000/€1,700,000 for life and 75% of salary (capped) for income protection.
• CFE Complementary Insurance (Mutuelle CFE) Complementary (top-up) health insurance to the French CFE (Caisse des Français de l'Étranger) scheme, designed for French expatriates needing additional coverage beyond CFE baseline benefits.
• AOC Student Travel Insurance Branded travel medical insurance for international students covering medical expenses up to €500,000, including COVID-19 coverage.
• AOC Schengen Travel Insurance Branded Schengen-compliant travel insurance covering medical expenses up to €100,000 with COVID-19 inclusion, designed to meet Schengen visa requirements.
• AOC Business Travel Insurance Branded business travel insurance covering medical expenses up to €2,000,000, offered in Silver, Platinum, and Family packages for business travelers and short-term assignees.
• AOC Tourist Travel Insurance Branded tourist travel insurance covering up to 90 days worldwide with medical coverage up to €150,000 for short-term leisure travelers.
• AOC Worldwide Travel Insurance Branded comprehensive worldwide travel insurance, insured by Groupama, covering medical expenses up to €700,000 with COVID-19 benefits.
• AOC International Student Insurance - United States US-bound international student health insurance meeting J-1/F-1 visa requirements, underwritten by WellAway, including Obamacare-compatible coverage options.
• Insurance Comparison Platform Web-based digital platform that aggregates and compares international health insurance plans from 20+ global insurers, enabling users to filter by destination, needs, and budget and request quotes.

Named customers8 records

Segments5 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

22 partnerships are on record, tiered core and minor.

• April InternationalcoreOthersInsurance partner offering international health insurance plans. AOC provides comparison and brokerage services for April International products. AOC has publicly disclosed that April International was condemned by the Paris Commercial Court (Tribunal de Commerce de Paris, 15th Chamber) in October 2023.
• Allianz Worldwide CarecoreOthersMajor international health insurer offering comprehensive expat health plans up to USD 3,150,000 with lifetime coverage options for persons under 70. Provides direct billing and multilingual 24/7 support.
• Cigna Global HealthcoreOthersGlobal health insurer offering Silver, Gold, and Platinum plans with modular coverage options for hospitalization, outpatient treatment, repatriation, and chronic condition coverage.
• Bupa InternationalcoreOthersInternational health insurer with Worldwide Medical and Worldwide Health Options plans offering annual limits up to USD 2,500,000 per beneficiary. Known for comprehensive cancer care and 24/7 multilingual support.
• Globality HealthcoreOthersInternational health insurer with YouGenio plans (Essential, Classic, Plus, Top) offering coverage limits up to €7,500,000. Part of Munich Health network with 26 global locations.
• AXA Global HealthcarecoreOthersAXA insurance group offering Standard, Comprehensive, Prestige, and Prestige Plus international health plans with worldwide coverage and emergency medical evacuation.
• Now Health InternationalcoreOthersGlobal health insurer headquartered in Hong Kong with 12 offices worldwide. Offers WorldCare Apex, Advanced, Essential, and Excel plans in partnership with AXA.
• Foyer Global HealthcoreOthersLuxembourg-based insurer specializing in expatriate health coverage with Essential, Special, and Exclusive plans offering unlimited range renewable for life.
• William RussellminorOthersInsurance provider offering Global Life and Global Income protection plans underwritten by Allianz Insurance Group for expatriates worldwide.
• Integra GlobalminorOthersInternational health insurer with Premier Plans for expats from/in the USA and worldwide. Underwritten by MGEN France and Generali Global Health for China, Hong-Kong, and Singapore.
• ALC Global Health InsuranceminorOthersInternational health insurer offering Prima Plans (Premier, Classic, Iberica) insured by AXA PPP Healthcare with comprehensive inpatient, outpatient, and optional maternity/dental coverage.
• WellawayminorOthersUS-focused international health insurer offering Obamacare-compatible plans and international student insurance for J-1/F-1/M/Q visa holders.
• IMG (International Medical Group)minorOthersTravel medical insurance provider offering Globe Hopper plans with short-term coverage options in USD, GBP, and EUR currencies.
• Groupama (AOC World Travel Insurance)coreTechnology or IntegrationMajor French insurer providing insurance backing for AOC World Travel Insurance products. Covers medical expenses up to €700,000 with COVID-19 coverage included.
• Mondial Care (AOC Travel Products)coreTechnology or IntegrationProvides technical platform and insurance backing for AOC's Schengen, Tourist, Student, and Business travel insurance products.
• Henner ExpatminorOthersInternational health insurance provider specializing in expatriate coverage solutions.
• Malakoff HumanisminorOthersFrench social protection group offering expatriate health insurance and provident solutions.
• Assur TravelminorOthersTravel insurance provider partner for international travel coverage products.
• VumiminorOthersInternational health insurance provider partner for expat coverage solutions.
• Morgan PriceminorOthersInternational health insurance provider partner serving expatriate markets.
• AetnaminorOthersGlobal health insurance provider offering international expat health plans.
• Mondial CareminorOthersInternational health insurance provider partner for global coverage solutions.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Henner: French insurance group specializing in international health insurance and protection for expatriates, multinationals, and individuals. Direct competitor in French expat insurance market with overlapping product offerings and distribution model.
• Santexpat: French specialist broker focused on health insurance for French expatriates, including CFE top-up solutions. Directly comparable to AOC's individual expat segment and French expat focus.
• April International: French-headquartered insurance specialist focused on international health insurance for expatriates, with similar product portfolio and target customer base. AOC also distributes April International products and is therefore both a competitor and partner.
• ACS (Assurance Comparaison Santé / Expatriates): French insurance broker specializing in international health insurance for expatriates, with comparison-driven offerings similar to AOC's model. Directly competes for the same French expat customer base.
• Expat Assurances: French insurance broker for expatriate and international health insurance, offering comparison across multiple carriers. Comparable niche focus and French-anchored distribution.

Broad incumbents

• Bupa Global: Global health insurer with Worldwide Medical plans and strong expat market presence. Listed as AOC partner but competes for direct expat customer acquisition through its own digital platform.
• AXA Global Healthcare: Global health insurance arm of AXA offering international plans distributed partly through brokers including AOC. While AOC distributes AXA products, AXA's direct-to-consumer channel is a competitive threat.
• Allianz Worldwide Care: Major international health insurer offering expat plans up to USD 3.15M. AOC distributes Allianz products but Allianz's direct digital offerings represent a competitive channel for end customers.
• Cigna Global Health: Major global health insurer offering Silver, Gold, and Platinum plans for expatriates. Listed as an AOC partner but also competes for direct customer acquisition through its own digital channels.

Regional players

• Foyer Global Health: Luxembourg-based insurer specializing in expatriate health coverage with three plan tiers. Distributed via AOC's platform, it represents both a partner and a potential competing direct channel in European expat markets.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/aocinsurance

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 AOC Insurance Broker