Chapka
Chapka Assurances is a French digital insurance brokerage operating as a trading name of Aon France SAS, distributing 16 specialized travel insurance products (PVT, Schengen, round-the-world, student, volunteer, business) to French-speaking travelers worldwide through a fully online, multilingual platform with mobile app and teleconsultation.
- Company typePrivate
- Founded2002
- HeadquartersParis, France
- Headcount11–50
- GTM typeB2C
- OfferingServices
What Chapka does
Chapka Assurances is a French insurance brokerage specializing in travel insurance for French-speaking travelers, operating since 2002 as a trading name of Aon France SAS (a subsidiary of global professional services firm Aon plc, NYSE: AON). The company distributes a portfolio of 16 specialized insurance products under the 'Cap' sub-brand — covering short leisure trips, round-the-world travel, Working Holiday Visas (PVT), Schengen visa applications, student exchanges, au pair placements, humanitarian missions, and business travel. Chapka is registered with ORIAS as a courtier d'assurance, intermediating between customers and underwriters, with AXA Assistance serving as the primary insurance and assistance provider for major products including Cap Aventure. The company insures over 1 million travelers annually, holds a 4.5/5 Trustpilot rating from 3,987 reviews, and serves destinations across Europe, North America, Asia Pacific, South America, Africa, and the Middle East.
The business operates on a fully digital, direct-to-consumer distribution model through chapkadirect.fr and a dedicated mobile application (iOS/Android), with no physical retail or third-party agent networks. The platform supports five languages (French, English, Spanish, Italian, Portuguese), issues multilingual policy documents instantly via email without medical questionnaires, and integrates with payment processors OGONE (Ingenico/Worldline) and COFIDIS for installment plans. A 24/7 in-app medical teleconsultation service with French-speaking physicians extends the value proposition beyond pure insurance. The company earns revenue primarily through insurance broker commissions on premiums (one-time per trip or annual multi-trip), supplemented by a 1.5% transaction fee on 3x installment payments; pricing is unit-based for cancellation cover (€20-€290 depending on trip value) and subscription-based for long-trip cover (starting at €64/month). Customer acquisition relies on organic SEO, a travel content blog, social media presence (Facebook, Instagram, TikTok, Pinterest, LinkedIn, YouTube), affiliate referrals, and paid advertising on Google and social platforms.
Chapka firmographics
Firmographics- Name
- Chapka
- Legal name
- Aon France SAS
- Website
- https://chapkadirect.fr
- Company type
- Private
- Founded year
- 2002
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Chapka Assurances is a French digital insurance brokerage operating as a trading name of Aon France SAS, distributing 16 specialized travel insurance products (PVT, Schengen, round-the-world, student, volunteer, business) to French-speaking travelers worldwide through a fully online, multilingual platform with mobile app and teleconsultation.
- Ownership category
- akta.pro rank
Chapka industry classification
Industry- Product category
- Travel Insurance
- NAICS
- Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Travel Medical Insurance (Individual) (FSAIAEAI)
- akta.pro secondary industries
- International/Expatriate Individual Health Insurance (FSAIAEAH), Travel Insurance Coordination (HSACAKAI)
Keywords
Where Chapka is headquartered
LocationHeadquarters
- HQ city
- Paris
- HQ country
- France
- HQ region
- Europe
Offices1 record
Markets served
Chapka business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure
Revenue model
- Insurance Policy Premiums: Chapka generates revenue through insurance policy premiums paid by customers for travel insurance products. Customers pay a one-time or recurring premium based on trip duration, destination, age, and coverage level. The company acts as an insurance broker (courtier d'assurance), intermediating between customers and insurance underwriters (notably AXA Assistance). Revenue is primarily one-time per trip or recurring for annual multi-trip policies.
- Installment Payment Processing Fee: Chapka offers payment in 3 or 4 installments through COFIDIS for contracts priced between €150 and €1,500. A 1.5% fee is charged on the total insurance amount for the 3x payment option, generating additional fee income.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Multi-year contract | Cap Aventure: Long trips 3-24 months, age-tiered pricing, zone-differentiated (worldwide ex-USA/Canada vs. worldwide including USA/Canada) |
| Unit Pricing | One time/ perpetual license | Cap Annulation: Based on total trip value, fixed premium per person |
| Subscription | Pay-as-you-go | Cap Assistance 24h/24: Short trips under 3 months |
| Other | Monthly | 3x Installment payment option for eligible contracts (Cap Working Holiday, Cap Student, Cap Tempo Expat, Cap Au Pair, Cap Volontariat, Cap Aventure) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels14 records
Chapka product offering
Product offeringCore offering
Chapka is an online insurance broker (courtier d'assurance) operating as the travel-insurance brand of Aon France, distributing 16 specialized travel insurance products under the "Cap" line — including short-trip assistance, trip cancellation, long-trip/round-the-world, PVT (Working Holiday), student, Schengen visa, au pair, expatriate, humanitarian, and business travel coverage. Customers subscribe online in minutes without medical questionnaires, receive multilingual certificates instantly by email, and access 24/7 assistance plus medical teleconsultation through the Chapka mobile app.
Product overview
Chapka Assurances is a French insurance brokerage company (operating as Aon France) offering a comprehensive portfolio of travel insurance products tailored to different travel purposes and durations. The product line includes 16 distinct insurance contracts organized by travel type: short-term vacation coverage (Cap Assistance, Cap Annulation, Cap Groupe, Cap Assistance Annuel, Cap Location Vacances), long-term and round-the-world coverage (Cap Aventure), expatriation products (Cap Tempo Expat, Cap Tempo France), humanitarian/volunteer coverage (Cap Volontariat), Schengen visa products (Cap Schengen, Cap Europa), Working Holiday Visa coverage (Cap Working Holiday), student/intern coverage (Cap Student), au pair coverage (Cap Au Pair), and business travel products (Cap Mission, Cap Mission Tempo). The company operates exclusively online with a mobile application and provides 24/7 assistance services through their platform, partnered with AXA Assistance for certain products.
Differentiator
Problem solved
Functional benefit
Brands
- Cap Assistance 24h/24: Insurance assistance and repatriation for trips under 3 months
- Cap Annulation
- Cap Aventure
- Cap Working Holiday
- Cap Student
- Cap Schengen
- Cap Europa
- Cap Tempo Expat
- Cap Mission
- Cap Groupe
- Cap Au Pair
- Cap Volontariat
Products and services
- Cap Assistance 24h/24
Quantifiable outcome
- Over 1 million travelers insured annually
- +3 more outcomes
Companies that use Chapka
Customer profileNamed customers3 records
Segments8 records
Ideal customer profiles7 records
Chapka technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature4 records
Chapka partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and supporting.
- AXA AssistancecoreAXA Assistance serves as the primary underwriter and assistance provider for Chapka's Cap Aventure product and likely other products in the portfolio. AXA provides the insurance guarantees, handles assistance services (repatriation, medical coordination), and manages the 24/7 assistance hotline. This is a core partnership enabling Chapka to distribute insurance underwritten by a major global insurer.
- Aon FrancecoreChapka Assurances is a trading name of Aon France, a major global professional services firm. Aon provides the regulatory infrastructure, capital, and institutional backing for Chapka's insurance distribution operations. The company is legally registered as 'Aon France agissant sous le nom commercial Chapka Assurances.'
- COFIDISsupportingCOFIDIS provides the installment payment (3x/4x) infrastructure for eligible insurance contracts, enabling customers to pay premiums in monthly installments for amounts between €150 and €1,500.
- OGONE (Ingenico)supportingOGONE (now part of Ingenico/Worldline) provides secure payment processing for online credit card transactions on chapkadirect.fr, encrypting customer payment data during transactions.
- OVHsupportingOVH provides web hosting services for chapkadirect.fr, utilizing load-balancing cookie technology (90plan) to ensure site performance during high-traffic periods. Hosted in France.
Scale indicators4 records
Recent moves6 records
Expansion highlights5 records
Chapka competitors and assessment
Company assessmentMarket position
Strengths4 records
Competitive moat4 records
Key risks6 records
Key highlights7 records
Customer concentration
Chapka social profiles
Digital presenceChapka financial estimates
Financial estimateRevenue estimate
Valuation estimate
Chapka leadership team
Management profileNumber of profiles
Profiles1 record
Chapka funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Chapka M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Chapka
What does Chapka do?
Chapka is an online insurance broker (courtier d'assurance) operating as the travel-insurance brand of Aon France, distributing 16 specialized travel insurance products under the "Cap" line — including short-trip assistance, trip cancellation, long-trip/round-the-world, PVT (Working Holiday), student, Schengen visa, au pair, expatriate, humanitarian, and business travel coverage. Customers subscribe online in minutes without medical questionnaires, receive multilingual certificates instantly by email, and access 24/7 assistance plus medical teleconsultation through the Chapka mobile app.
Is Chapka a public or private company?
Chapka is a private company. It is classified as corporate owned and is currently operating.
When was Chapka founded?
Chapka was founded in 2002. It employs 11 to 50 people.
Where is Chapka based?
Chapka is headquartered in Paris, France, in the Europe region.
How does Chapka make money?
Two revenue lines are on record. Insurance Policy Premiums are the primary driver. The others are installment Payment Processing Fee.
Does Chapka have an API?
No public API is recorded for Chapka.
What industry is Chapka in?
Chapka's product category is Travel Insurance. Its primary akta.pro industry code is FSAIAEAI, Travel Medical Insurance (Individual), with a secondary code of FSAIAEAH, International/Expatriate Individual Health Insurance. Its NAICS code is 5242 and its SIC code is 6411.