Carte Blanche Partenaires

What Carte Blanche Partenaires does

Carte Blanche Partenaires is a privately held French healthcare network operator and third-party payment (tiers payant) processor founded in 2001 and headquartered in Paris (Carré Feydeau, 75002). The company operates an "open network" model connecting over 300,000 healthcare professionals and establishments with approximately 12 million beneficiaries across five care domains — optical, audiology, dental, implantology, and preventive care — covering metropolitan France and DROM overseas territories.

The technology stack centers on the CBPEC professional portal for partner conventioning, digital prior authorization submission, and billing workflows (with 99% dematerialization and Pro Santé Connect SSO), supplemented by an AI-powered fraud detection system operating both preventive (a priori) and detective (a posteriori) controls under CNIL authorization. Carte Blanche also operates co-branded insurer digital spaces, the Carte Blanche Prysme virtual try-on feature (Fittingbox integration), and proprietary/exclusive eyewear brands (1796, Kaporal, Naf Naf). Infrastructure is hosted by HDS-certified DOCAPOSTE under ISO 27001 and PGSSI-S compliance, with the company being the first healthcare network to obtain ROC certification (jointly with SwissLife) for hospital third-party payment.

The business model is exclusively B2B, generating revenue through network access fees charged to ~60 complementary health insurers (mutuelles, bancassureurs, prévoyance institutions, courtiers) under multi-year contracts, transaction-related fees on the 2+ million annual prior authorizations processed, and managed services revenue from professional conventioning, quality monitoring, and fraud control. The company is structured as a SAS with €100,000 capital, governed by a board of ten shareholder groups, with no external PE/VC backing and no public listing.

Name

Carte Blanche Partenaires

Legal name

Carte Blanche Partenaires

Website

https://carteblanchepartenaires.fr

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

11–50 employees

Short description

Carte Blanche Partenaires is a French healthcare network operator and third-party payment processor, founded in 2001 and headquartered in Paris, connecting 300,000+ healthcare professionals with 12 million beneficiaries across optical, audiology, dental, implantology, and preventive care via ~60 complementary health insurer partners.

Ownership category

akta.pro rank

Product category

Healthcare Network Services (Réseaux de Soins)

NAICS

Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Provider Network, Credentialing & Contracting Support (BPAAAFAI)

akta.pro secondary industries

Dental Benefit Administration (DBA) & ASO/TPA for Dental (HLAEAIAJ), Combined Dental & Vision Insurance (FSAIAHAC)

Keywords

• Healthcare provider network
• Third-party payment processing
• Complementary health insurance
• Prior authorization processing
• Healthcare fraud detection

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Network Access Fees: Fees charged to complementary health insurance organizations (mutuelles, insurers, prévoyance institutions) for access to the network of healthcare professionals and third-party payment services. Services are offered to nearly 60 complementary health organisms covering over 12 million beneficiaries.
2. Third-Party Payment Processing: Administrative fees for processing and managing third-party payment transactions between health professionals, insurers, and beneficiaries. Over 2 million authorizations processed in 2024 with 99% dematerialized.
3. Professional Conventioning Services: Services to health professionals including conventioning, quality monitoring, and fraud control, with network of over 300,000 healthcare professionals and establishments.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels7 records

Core offering

Carte Blanche Partenaires operates France's largest healthcare provider network (réseau de soins) for complementary health insurers, covering optical, audiology, dental, implantology, and preventive care across 300,000+ professionals. The company functions as a third-party payment (tiers payant) operator and intermediary between complementary health insurers, beneficiaries (over 12 million), and healthcare providers, processing over 2 million prior authorizations and €1 billion+ in health benefits in 2024.

Product overview

Carte Blanche Partenaires operates as a multi-product health services platform centered on its core Réseaux de Soins (Healthcare Networks) for optical, audio, dental, implant, and preventive care. The platform comprises the CBPEC professional portal for provider management, proprietary and exclusive eyewear brands (1796, Kaporal, Naf Naf), the Tiers Payant third-party payment operator serving over 300,000 healthcare professionals, and the Carte Blanche Prysme virtual try-on feature. Additional offerings include the Partenariat Dentaire dental program, Club Dentaire peer community, Club Clients member programs, and beneficiary/commercial/professional portals. All services are delivered through an open network model serving approximately 12 million beneficiaries across nearly 60 complementary health insurance partners.

Differentiator

Problem solved

Functional benefit

Brands

• 1796: Proprietary eyewear frame brand sold exclusively through Carte Blanche Partenaires partner opticians. Frames include models CBFC2101, CBFM2102, CBFC2103, CBHC2104, CBHC2105, CBHC2106.
• Carte Blanche Prysme
• Kaporal
• Naf Naf

Products and services

• Réseau de Soins Carte Blanche (Healthcare Network) Open healthcare provider network of 300,000+ accredited professionals across optical, audiology, dental, implant, and preventive care in France, contracted to quality and pricing commitments, serving approximately 12 million beneficiaries via roughly 60 partner complementary health insurers.
• Tiers Payant (Third-Party Payment Operator Service) Third-party payment operator service enabling beneficiaries to receive care without out-of-pocket expenses; processes digitalized payment flows between healthcare professionals, complementary health insurers, and beneficiaries with automated business controls. ROC-certified for hospital third-party payment deployment.
• CBPEC Professional Portal Digital platform for healthcare professionals (opticians, dentists, audiologists) to manage conventioning, submit prior authorization requests for patient coverage, and handle digital billing, supported by Pro Santé Connect SSO authentication.
• Nouveau Partenariat Dentaire (New Dental Partnership Program) Dental partnership offering for dental surgeons (chirurgiens-dentistes) and dental centers, providing simplified 3-step onboarding without a pricing grid, digitalized prior authorization and claims management, and payment capability during treatment progression; complemented by UFSBD partnership for preferential training access.
• Montures Carte Blanche / 1796 Proprietary Carte Blanche 1796 eyewear frame brand (models including CBFC2101, CBFM2102, CBFC2103, CBHC2104, CBHC2105, CBHC2106) sold exclusively through Carte Blanche Partenaires partner opticians.
• Kaporal Eyewear Exclusive Kaporal-branded eyewear frames (Adam, Daho, Caid, Bond, Creg models) sold through Carte Blanche partner opticians under exclusive brand partnership.
• Naf Naf Eyewear Exclusive Naf Naf-branded eyewear frames (Abie, Aimie, Alexa, Al models) sold through Carte Blanche partner opticians under exclusive brand partnership.
• Certification ROC - Hospital Third-Party Payment Deployment ROC-certified hospital third-party payment service enabling simplified complementary payment at public and non-profit private hospitals with real-time cost estimation for insured patients, jointly certified with SwissLife.

Quantifiable outcome

• Over 2 million prior authorizations processed in 2024
• +4 more outcomes

Named customers3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability2 records

Feature5 records

Partnerships

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

• UFSBD (Union Française pour la Santé Bucco-Dentaire)coreStrategic or Co-development PartnerPartnership with the French Union for Oral Health provides dental practitioners with preferential access to UFSBD training catalog. The quality charter for dental partnership was co-developed with UFSBD input, and practitioners benefit from reduced training costs.
• SwissLifeflagshipStrategic or Co-development PartnerROC certification obtained jointly with SwissLife for hospital third-party payment deployment. First network in France to achieve this certification for complementary health third-party payment at hospitals.
• Optic 2000coreStrategic or Co-development PartnerPrevention partnership offering corporate prevention services through Optic 2000 locations, part of broader prevention initiative for insured members.
• Audio 2000coreStrategic or Co-development PartnerPrevention partnership offering hearing health prevention services through Audio 2000 network as part of corporate prevention offerings.
• Carl Zeiss VisioncoreStrategic or Co-development PartnerPartnership for corporate prevention services and potentially eyewear product offerings within the optical network.
• DOCAPOSTEcoreTechnology or IntegrationDOCAPOSTE provides health data hosting and security services. Carte Blanche is compliant with ISO27001 and PGSSI-S standards through DOCAPOSTE collaboration, ensuring secure health data management.
• Pro Santé ConnectcoreTechnology or IntegrationPro Santé Connect is the French health professional authentication platform used for secure login to the CBPEC professional portal, enabling health professionals to access their accounts securely.
• DOCAPOSTE (梧桐)coreTechnology or IntegrationDOCAPOSTE provides certified health data hosting (HDS certification) and security services, enabling Carte Blanche to comply with ISO27001 and PGSSI-S standards.
• Reavie Industry PartnersminorStrategic or Co-development PartnerAnnual Reavie event partnerships with eyewear manufacturers including Essilor, Hoya Vision Care, Seiko, Rodenstock, and ZEISS for market trend exchanges and relationship building.

Scale indicators10 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Groupe VYV: Groupe VYV is the largest French mutual health insurance group and operates an in-house healthcare network (including VYV Care services) that competes with Carte Blanche. As both a potential customer and a captive-network operator, it is a strategic comparable.
• Henner (Groupement de Prévoyance et de Santé): Henner is a leading French group protection specialist whose Sévéane network competes directly with Carte Blanche. As a broader incumbent in complementary health and prévoyance, it represents both a customer-side and competitor-side reference point.

Emerging players

• Alan: Alan is a French digital health insurer that offers a network-based care experience for its members. While smaller and tech-led, it represents the digital-native insurance model that could, at scale, internalize network functions and challenge Carte Blanche's model.

Direct peers

• Santéclair: Santéclair operates a healthcare network serving Allianz, Crédit Agricole, and other complementary health insurers with optical, dental, hearing, and well-being services. It is a direct competitor in the B2B insurer-network model in France.
• Viamedis: Viamedis is a French third-party payment operator and health network manager owned by CEGEMA/Malakoff Humanis. It provides tier payant and prior authorization services to complementary health insurers — a direct functional peer to Carte Blanche's Tiers Payant business.
• Itelis: Itelis is one of the leading French healthcare networks for complementary health insurers, offering optical, dental, and hearing networks with third-party payment services. It competes head-to-head with Carte Blanche for the same mutuelle/insurer clients and beneficiary pool.
• Almerys: Almerys is a French third-party payment operator and health services platform that processes claims and manages networks for mutuelles and insurers. It is a direct functional peer in the TPA/claims-processing and tier payant segment.
• Kalixia: Kalixia is a French healthcare network operated by AG2R La Mondiale that provides optical, dental, and audiology services to insured members. It competes in the same B2B space as Carte Blanche, sometimes acting as a captive network for a large insurer group.
• SP Santé (SwissLife Partner Santé): SP Santé is a French healthcare network affiliated with SwissLife (a Carte Blanche customer), serving complementary health insurers with optical, dental, and audiology networks. As a partly captive competitor, it represents a direct competitive threat especially around SwissLife-linked mandates.
• Sévéane (Groupe Henner): Sévéane is the healthcare network arm of Groupe Henner, a French group protection and benefits specialist. It provides open-network care services in optical, dental, and audiology to insurers and mutuelles, directly overlapping with Carte Blanche's value proposition and target clients.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCI4HOdab-6vduDpVe0rRXig
• LinkedInlinkedin.com/company/carteblanchepartenaires

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

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 Carte Blanche Partenaires