What CPMS does

CPMS (Centre de Prévoyance Médico-Sociale) is a French privately-held insurance brokerage and contract management firm founded in 1948 and headquartered at 4 Rue Auber, Paris, with a secondary operational site in Reims. The company specializes in health insurance ("Santé") and provident insurance ("Prévoyance") administration for healthcare professionals, enterprises, employees, and individual policyholders, and operates as an ORIAS-registered Société de Gestion et de Courtage d'Assurance under articles L 530-1 and L 530-2 of the French Insurance Code.

The firm has built a multi-portal digital platform architecture comprising MyCPMS (iOS/Android mobile application), OpenCPMS (online solution discovery platform), and three dedicated web portals — Espace Assuré for individuals, Espace Entreprise for businesses, and Espace Courtier for insurance brokers. The underlying technology is described as an internally developed, "innovative and controlled information system" that centralizes health expense workflows from quote through reimbursement, supported by phone and chat customer service channels operating weekdays 9h-17h.

CPMS generates revenue through recurring insurance brokerage commissions and premiums on health and provident products distributed to businesses and individuals. The company is family-controlled by the Dana family, with Eric Dana serving as Director following succession from his father. As a private SAS with €2,729,468 in share capital and 11-50 employees, CPMS has operated for 75 years and earned Great Place to Work certification in 2023 alongside a 95/100 gender parity index across its teams and management committee.

Name

CPMS

Legal name

CPMS SAS

Website

https://cpms.fr

Company type

Private

Founded year

1948

Operating status

Operating

Headcount range

11–50 employees

Short description

CPMS is a French family-owned insurance brokerage and contract administrator, founded in 1948, that manages health and provident insurance products for healthcare professionals, enterprises, employees, individuals, and insurance brokers through a multi-portal digital platform.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Health/Provident Insurance Management

NAICS

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

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

Keywords

• Health insurance brokerage
• Provident insurance management
• Supplementary social protection
• Employee benefits administration
• Health expense management

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Services: CPMS operates as a SAS company specializing in insurance management and brokerage, providing health insurance and provident fund management services to businesses and individuals. Revenue is generated through premiums and brokerage commissions on insurance products.

Go-to-market motion1 record

Distribution channels5 records

Marketing channels4 records

Core offering

CPMS is an ORIAS-registered insurance brokerage and management company (Société de Gestion et de Courtage d'Assurance) that delivers supplementary health insurance (Santé) and provident insurance (Prévoyance) products and management services to businesses, employees, healthcare professionals, and partner brokers across France. Its offering is operationalized through dedicated customer portals (Espace Assuré, Espace Entreprise, Espace Courtier), the OpenCPMS solutions platform, and the MyCPMS mobile application, all supported by an in-house controlled information system.

Product overview

CPMS operates as a health insurance and provident insurance management platform, offering a unified portfolio of digital services centered around its Santé & Prévoyance core products. The company provides a multi-portal architecture comprising MyCPMS (mobile app), OpenCPMS (solutions discovery platform), and dedicated portals for Assuré (individuals), Entreprise (businesses), and Courtier (insurance brokers). The platform centralizes the entire ecosystem of health expenses management from quote to reimbursement, serving healthcare professionals, businesses, employees, and brokers through both phone and chat support channels.

Differentiator

Problem solved

Functional benefit

Products and services

• Santé & Prévoyance (Health and Provident Insurance) Core health insurance and provident insurance products providing coverage for medical expenses and social protection for employees, businesses, healthcare professionals, and individuals.
• OpenCPMS Platform Online platform for discovering CPMS health and provident insurance solutions, providing a centralized view of available products and services.
• Espace Assuré (Individual Portal) Online portal for individual policyholders to manage their health insurance and provident coverage, including expense reimbursement and contract management.
• Espace Entreprise (Business Portal) Online portal for businesses to manage employee health insurance and provident plans, including enrollment, contract management, and reporting.
• Espace Courtier (Broker Portal) Online portal for insurance brokers to manage contracts and client portfolios for health and provident insurance products distributed through CPMS.
• MyCPMS Mobile Application Mobile application for iOS and Android allowing users to manage their health expenses and access all CPMS services from a single screen with a unified dashboard.

Quantifiable outcome

• Parity index of 95/100 among the highest in the sector

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• Harmonie Mutuelle: Large French mutual health insurer offering health and provident coverage to individuals, businesses, and public-sector clients — broader scale and direct underwriting capability that competes with CPMS-brokered solutions.
• AXA France: Major French health and provident insurer with direct distribution and large enterprise accounts — overlapping in product lines and customer segments but operating at vastly greater scale.

Direct peers

• Verspieren: Independent French insurance broker serving businesses and individuals across health, provident, and property/casualty lines — directly comparable in brokerage model and French market focus.
• Santiane: French online health and provident insurance broker focused on individuals and self-employed professionals — directly comparable product set, with a stronger digital acquisition emphasis.
• Henner: French independent insurance broker specializing in health, provident, and retirement products for businesses and individuals — directly comparable to CPMS in product mix, broker model, and target segments.
• Alptis: French mutualist insurance broker offering health, provident, and savings products to individuals, professionals, and small businesses — comparable in target customer base and brokerage approach.
• APRIL Group: Major French insurance brokerage group offering health, provident, and personal insurance products to individuals, professionals, and enterprises — closely aligned with CPMS's core brokerage proposition.

Emerging players

• Alan: Digital-first French health insurer serving SMEs and individuals — comparable product category (Santé & Prévoyance) and target segments, but operates as a carrier rather than a broker; represents a structural competitive threat to brokerage models.
• Almerys: French third-party administrator and health expense management platform serving insurers and brokers — directly comparable in the health expense management technology layer that CPMS operates through its information system.
• Santéclair: French health services platform supporting complementary health insurers with provider networks, cost control, and digital health services — adjacent to CPMS's health expense management proposition.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about CPMS