What REPAM Assurances does

REPAM Assurances is a French wholesale insurance broker (courtier grossiste) founded in 1995 and headquartered at 217 Cours Lafayette, Lyon. The company designs, distributes, and manages personal insurance contracts — including health (santé), provident insurance (prévoyance), funeral (obsèques), dependency (dépendance), borrower (emprunteur), and retirement savings (PERIN) — for individuals, self-employed professionals (TNS), and corporate clients. REPAM distributes its portfolio exclusively through a network of approximately 3,000 independent insurance brokers that advise end customers across metropolitan France, the Switzerland and Luxembourg cross-border corridors, and overseas territories (Réunion, Caraïbes). It is regulated by the ACPR and registered with ORIAS (N° 07 002 787), operating as an SA de courtage et de gestion d'assurances with €1,500,000 in share capital. The company earns commission-based revenue from insurer partners on recurring premiums, with monthly billing typical for individual products. Operations are supported by 140 employees in Lyon and digital infrastructure including member self-service portals (adherent.repam.fr, assure.repamgestion.fr) and a broker portal (mon-espace-courtier.repam.fr), backed by Carte Blanche's 160,000-strong tiers payant healthcare network and third-party administrators Henner and Almerys.

Name

REPAM Assurances

Legal name

Repam

Website

https://repam.fr

Company type

Private

Founded year

1995

Operating status

Operating

Headcount range

101–250 employees

Short description

REPAM Assurances is a Lyon-based French wholesale insurance broker (courtier grossiste) founded in 1995, designing and distributing personal insurance (health, prévoyance, funeral, dependency, borrower, retirement) exclusively through a network of 3,000 independent brokers for individuals, self-employed professionals, and companies.

Ownership category

akta.pro rank

Product category

Insurance Brokerage Services

NAICS

Insurance Agencies and Brokerages (52421), Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Reinsurance Brokerage (FSAEADAE)

Keywords

• Insurance brokerage services
• Health insurance
• Provident insurance
• Loan protection insurance
• Retirement savings plans

Headquarters

HQ city

Lyon

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premium Revenue: REPAM generates revenue by designing, distributing, and managing insurance contracts (santé, prévoyance, obsèques, dépendance, emprunteur, retraite). As a wholesale broker (courtier grossiste), the company earns commissions from insurer partners on premiums paid by policyholders. Revenue is recurring in nature as insurance premiums are typically paid monthly or annually by customers.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

REPAM Assurances is a wholesale insurance broker (courtier grossiste) that designs, distributes, and manages personal insurance contracts in partnership with multiple insurer partners. Its product portfolio covers health insurance (mutuelle santé, including cross-border and overseas variants), provident/hospitalization (Solution Hospi, Prévoyance TNS), funeral (Obsèques), dependency (Dépendance), borrower (Emprunteur), and retirement savings (PERIN/GALYA). Contracts are sold exclusively through a network of approximately 3,000 independent broker partners, with REPAM teams internally managing administration, claims, and member services.

Product overview

REPAM Assurances operates as a wholesale insurance broker specializing in personal insurance products, designing, distributing, and managing contracts through a network of approximately 3,000 independent broker partners. The product portfolio centers on health insurance offerings (Santé Particulier, Santé Frontalier for Swiss and Luxembourg cross-border workers, Santé Réunion, Santé Caraïbes, and the Surco supplementary add-on), complemented by provident and protection products including Obsèques (funeral), Dépendance (dependency care), Emprunteur (loan insurance), Prévoyance TNS (self-employed provident), and retirement solutions (GALYA PERIN). Additional offerings include Solution Hospi for hospitalization coverage, Santé AT/MP for work accidents, and school insurance add-ons. Products are distributed exclusively through broker partners with digital member portals for claims management.

Differentiator

Problem solved

Functional benefit

Brands

• GALYA: Retirement savings plan for individuals, offered in partnership with GAN insurance
• Solution Hospi
• Surco
• SANTÉ AT/MP
• Prévoyance TNS
• Santé Pro
• Santé Réunion
• Santé Caraïbes

Products and services

• Santé Particulier Primary health insurance (mutuelle santé) for individual policyholders, offering responsible contract options compliant with 100% Santé reform, open to all without age limit. Distributed exclusively via partner brokers.
• Santé Frontalier Suisse Specialized health insurance for cross-border workers in Switzerland, coordinating coverage between CMU (French social security) and LAMal (Swiss mandatory insurance).
• Santé Frontalier Luxembourg Health insurance product for cross-border workers in Luxembourg, coordinated with CNS (Caisse Nationale de Santé) reimbursements.
• Santé Réunion Health insurance tailored for residents of Réunion island, with 6 formula options and loyalty bonuses covering dental and alternative medicine.
• Santé Caraïbes Health insurance for residents of the French Caribbean, offering 5 formula options for various budgets and coverage needs.
• Solution Hospi Hospitalization coverage product providing daily allowances during hospital stays and lump-sum benefits for injuries (fractures, sprains, burns), covering both direct and indirect hospitalization expenses for individuals.
• Obsèques Funeral insurance product covering capital from €1,000 to €12,000 to finance funeral expenses, with options for repatriation to country of origin and included assistance services.
• Dépendance Dependency/long-term care insurance providing monthly rent payments to cover costs of loss of autonomy, with no medical formalities required at subscription and fixed premiums.
• Assurance Emprunteur Loan/borrower insurance product available up to age 85 with 8 offer levels including DC, PTIA, ITT, IPT, and IPP guarantees, offering up to 50% savings compared to bank-offered contracts.
• Prévoyance TNS Provident insurance for self-employed workers (artisans, merchants, liberal professionals, business owners) covering income maintenance, family protection, and business fixed costs in case of accident, illness, or death.
• GALYA (PERIN) Individual retirement savings plan (PERIN) for persons aged 18-67, offering tax-deductible voluntary contributions and flexible payout as capital and/or annuity at retirement, offered in partnership with GAN insurance.
• Santé AT/MP Work accident and occupational disease insurance for self-employed professionals not covered by mandatory work accident insurance, covering health expenses at 100% of base tariff plus daily allowances and accidental death capital. Starting from €21/month.
• Mutuelle Santé TNS (Madelin) Responsible health insurance for self-employed and business owners up to age 67, with 7 formula options and Madelin tax-deductible premiums, including 100% Santé coverage.

Quantifiable outcome

• 3,000 partner brokers distribute REPAM contracts
• +3 more outcomes

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

Partnerships

Five partnerships are on record, tiered core and moderate.

• GAN (via GALYA product)coreTechnology or IntegrationREPAM partnered with GAN, described as a 'référence sur le marché,' to offer the GALYA individual retirement savings plan (PERIN/PER). REPAM explicitly states 'nous avons souhaité nous appuyer sur un acteur de référence sur le marché : le GAN.' This is a core product partnership for the retirement savings line.
• Insurer Partners (Assureurs partenaires)coreStrategic or Co-development PartnerREPAM works 'main dans la main avec nos partenaires assureurs pour construire des offres adaptées à vos besoins.' The company designs and distributes insurance contracts in partnership with multiple unnamed insurer partners. These partnerships are described as longstanding ('de longue date') with 'relations de confiance.' REPAM is the wholesale broker (courtier grossiste) conceiving and managing the contracts on behalf of insurer partners.
• Henner SAScoreTechnology or IntegrationHenner SAS serves as a third-party administrator for REPAM, handling claims management and Noémie (tiers payant) conventions with Social Security. REPAM's conventions with mandatory health insurance regimes are passed via Henner SAS. Policyholders receive a Henner card for direct settlement.
• Almerys (GMC Gestion)coreTechnology or IntegrationAlmerys is another third-party administrator partner referenced on REPAM's member portal. Policyholders may receive an Almerys third-party payment card depending on their plan.
• Carte Blanche (Réseau de Soins)moderateTechnology or IntegrationThe Carte Blanche network, comprising 160,000 healthcare professionals, provides REPAM policyholders with tiers payant (direct settlement) access. This network covers pharmacies, optical, dental, and audiology providers.

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• AXA France: Major French direct insurer covering santé, prévoyance, emprunteur, and retraite. Competes with REPAM's product range both directly (own contracts) and indirectly as an insurer partner.
• SwissLife France: French insurer and bancassurance-adjacent broker offering santé, prévoyance, emprunteur, and retirement savings. Overlaps with most of REPAM's product portfolio and adjacent to its frontalier Suisse offering.
• Harmonie Mutuelle: Large French mutual health insurer offering individual and collective complémentaire santé. Overlaps with REPAM's health portfolio but as a carrier rather than broker intermediary.
• Malakoff Humanis: Leading French social protection group providing health, prévoyance, retirement, and savings for companies and individuals. Broad incumbent in the same personal-lines categories as REPAM.

Direct peers

• Verspieren: French insurance brokerage distributing personal and commercial lines through a broker network. Similar wholesale brokerage architecture and customer segments to REPAM.
• Henner: French broker and third-party administrator specializing in international health, employee benefits, and cross-border insurance. Operates as a TPA for REPAM and competes in adjacent personal-lines intermediation.
• Alptis: French mutual association providing health, prévoyance, and retirement products to independent workers and individuals. Comparable to REPAM's TNS-focused offering and broker-distributed model.
• Santiane: French online insurance broker focused on individual health insurance comparison and distribution. Direct competitor to REPAM's Santé Particulier offering, though operating via a digital-direct model rather than wholesale broker network.
• April (Cegema): Major French insurance brokerage group distributing personal and professional lines through broker networks. Closest direct analog to REPAM's courtier grossiste model at a larger scale.
• Assurpeople: French insurance broker specialized in coverage for self-employed professionals and small businesses. Overlaps directly with REPAM's TNS Mutuelle, Prévoyance TNS, and AT/MP lines.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/18318819
• Xx.com/REPAMassurances

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 REPAM Assurances