What ACTIL does

ACTIL is a French health insurance third-party payment (tiers payant) services provider headquartered in Lyon and operating as a wholly-owned subsidiary of GROUPE APICIL, a diversified French insurance group. Founded in 1998, ACTIL runs the digital infrastructure that allows insured patients to avoid upfront healthcare costs by electronically routing bills, take-in-charge requests, and rights verification between healthcare providers and complementary health insurers (mutuelles). The company serves two primary customer segments: complementary health insurance organizations — including Alptis, ASSIA, Cigna, Gentto, Integrance, Mutuelle de la Corse, Mutami, Rempart mutuelle, and M comme Mutuelle — and conventioned healthcare professionals (audioprothésistes, dental surgeons, hospitals, clinics, laboratories, opticians, pharmacies, and sanitary transporters), with a network of more than 400,000 professionals across metropolitan France and DROM.

ACTIL's core technology stack is built around three integrations: ROC (Reception des Objets de Conventionnement) for dematerialized invoice transmission between healthcare establishments and complementary insurers, Visiodroits for online rights verification (notably used by pharmacists), and the InterAMC national contracting portal for general practitioner and paramedical conventioning. Layered on this base are algorithm-based fraud and fault detection applied across all health benefits, and dedicated portals — the Portail Professionnel de santé for healthcare professionals and the Espace Client for insurance clients — that manage statements, third-party payment cards, and coverage requests. The company also runs the Noémie flow collection layer for seamless electronic data exchange with conventioned funds.

The business model is a per-transaction fee structure on each electronic bill processed through the tiers payant platform, with services quoted based on organizational needs and transaction volume rather than publicly disclosed pricing. ACTIL generates revenue from complementary health insurers for network access and payment processing, and from healthcare professionals for conventioning and electronic billing. The company is ISO 27001-aligned (via parent), RGPD-compliant, CNIL-registered, and operates with 11-50 employees and a registered social capital of 300,000 EUR.

Name

ACTIL

Legal name

ACTIL

Website

https://actil.com

Company type

Private

Founded year

1998

Operating status

Operating

Headcount range

11–50 employees

Short description

ACTIL is a French third-party payment (tiers payant) services provider, owned by GROUPE APICIL, that operates digital infrastructure enabling complementary health insurers and 400,000+ healthcare professionals across France and DROM to process electronic billing, rights verification, and fraud detection.

Ownership category

akta.pro rank

Product category

Healthcare Third-Party Payment Processing

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Claims Administration & Payment Integrity (Medical/Dental/Vision) (HLAEALAD)

akta.pro secondary industries

Healthcare Payouts (Payers-to-Providers, Patient Refunds) (FSAMAKAK), Patient Financial Engagement (Estimates, Billing Presentment, Payments) (HLACAEAI), Compliance, Reporting & Regulatory Administration (ERISA/ACA/No Surprises) (HLAEALAJ)

Keywords

• Third-party payment services
• Health insurance billing
• Healthcare provider networks
• Healthcare claims processing
• Healthcare fraud detection

Headquarters

HQ city

Lyon-vaise

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Third-Party Payment (Tiers Payant) Services: ACTIL provides tiers payant services enabling insured patients to avoid upfront healthcare costs. Healthcare providers submit bills electronically through ACTIL's platform, and ACTIL processes payments between healthcare providers and complementary health insurers. Revenue is generated through transaction fees for each processed bill.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

ACTIL operates a digital tiers payant (third-party payment) platform that enables insured patients to access healthcare without advancing costs, processing electronic billing between 400,000+ conventioned healthcare professionals (pharmacies, dentists, opticians, audiologists, hospitals, clinics, laboratories) and complementary health insurers. The platform integrates ROC for hospital billing, Visiodroits® for pharmacy rights verification, and Noémie flow collection, supplemented by algorithm-based fraud detection that delivers savings of up to 5x service cost.

Product overview

ACTIL is a supplementary health insurance third-party payment (tiers payant) platform that offers multiple innovative services enabling policyholders to access healthcare without advancing costs. The core offering consists of four integrated services: Tiers payant (third-party payment with ROC and Visiodroits® integration), a Réseaux de soins (healthcare provider network with 400,000+ professionals in optics, audiology, and dental), fraud detection algorithms (Lutte contre la fraude), and Noémie flow collection. The platform provides dedicated portals for healthcare professionals (Portail PS) and insurance clients (Espace Client) for managing coverage requests, billing, and statements.

Differentiator

Problem solved

Functional benefit

Products and services

• Tiers Payant (Third-Party Payment) A digital service integrating ROC and Visiodroits® for optimized invoice payment processing, allowing insured patients to avoid advancing healthcare costs. The service enables healthcare providers to submit bills electronically and receive direct payment from complementary health insurers through ACTIL's platform.
• Réseau de Soins (Healthcare Provider Network) A negotiated provider network in optics, audiology, and dental care integrated into ACTIL's third-party payment processes, covering over 400,000 conventioned healthcare professionals across France and DROM with the highest convention rate in the market.
• Lutte contre la Fraude et la Faute (Fraud & Fault Detection) Algorithm-based detection of fraud and faults upstream of payment processing across all health benefits, delivering documented savings of up to 5 times the cost of the service by identifying unusual patterns and irregularities in healthcare billing claims before payment is released.
• Collecte des Flux et Conventionnement Noémie (Noémie Flow Collection & Conventioning) Controlled integration of all benefit flow data from Noémie conventioned funds, enabling seamless electronic data exchange between complementary health insurers and conventioned healthcare professionals across the standardized Noémie protocol.
• Portail Professionnel de Santé (Healthcare Professional Portal) Private online portal at v2.actil.com for conventioned healthcare professionals to consult statements, view third-party payment cards, and independently process hospital or optical coverage requests through their ACTIL account.
• Espace Client (Client Space) Private online space for complementary health insurance clients (mutuelles, insurers, brokers) to access and manage their ACTIL accounts, services, and reporting on tiers payant processing.

Quantifiable outcome

• Savings of up to 5x the cost of fraud detection service
• +2 more outcomes

Named customers9 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

AI capability2 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• APICIL TransversecoreOthersAPICIL Transverse is the website hosting provider for ACTIL, an association under the law of July 1, 1901. Provides infrastructure and hosting services for actil.com and related domains.
• InterAMCcoreTechnology or IntegrationACTIL has joined the InterAMC association for generalized third-party payment and uses the national contracting portal. Healthcare professionals register through InterAMC for certain professions.

Scale indicators12 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• KLESIA: KLESIA is a major French social protection group operating complementary health insurance with embedded administrative services, overlapping ACTIL's payer-side and administrative services footprint at greater scale.
• AG2R La Mondiale: AG2R La Mondiale is one of France's largest insurance groups with substantial complementary health insurance operations and embedded administration, broadly overlapping ACTIL's payer-side service space.
• Pro BTP: Pro BTP is a French complementary health insurance group serving the construction sector with significant in-house administrative capabilities, comparable to ACTIL's insurer-side service model.
• Malakoff Humanis: Malakoff Humanis is one of France's largest complementary health insurance groups with in-house administrative capabilities, representing both a potential ACTIL customer and a competitive threat via insourcing.

Direct peers

• Almerys: Almerys is a French TPAm providing third-party payment and healthcare administrative services to insurance organizations and providers — directly overlapping ACTIL's core offering and target market.
• Henner: Henner is a French insurance broker and third-party administrator for health and protection insurance, with directly comparable TPA and complementary health insurance administration services.
• Carte Blanche Partenaires: Carte Blanche is a French health network manager offering conventioned provider access and complementary insurance administration, comparable to ACTIL's réseau de soins and tiers payant services.
• Itelis: Itelis is a French healthcare network and managed care services provider serving mutuelles and insurance organizations, with comparable conventioning and provider-management capabilities to ACTIL.
• SP Santé (Groupe Santéclair): SP Santé operates managed healthcare networks and tiers payant services for French mutuelles, directly competing with ACTIL's healthcare network and third-party payment platform.
• Viamedis: Viamedis is a French third-party payment management platform serving complementary health insurers and healthcare professionals — directly comparable to ACTIL's core tiers payant business model and customer segments.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights7 records

Customer concentration

• LinkedInfr.linkedin.com/company/actilsant%C3%A9

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 ACTIL