What Midon Gazin does

Midon Gazin is a privately held French insurance brokerage firm headquartered in Lunéville with four agency locations across the Meurthe-et-Moselle department (Grand Est region). Founded in 2014 by General Agents Nicolas Midon and Sébastien Gazin, the firm operates as an Agent Général of Allianz and representative of the UNIM association, distributing Allianz insurance products alongside UNIM's healthcare-specific formulas to French healthcare professionals. Its target customer base spans twelve healthcare profession categories including physicians, surgeons, dentists, pharmacists, midwives, veterinarians, nurses, physiotherapists, hospital doctors, and paramedical staff.

The product portfolio is organized into two divisions. The insurance division covers prévoyance (death, disability, and income protection), complémentaire santé in both individual and collective formats with four guarantee tiers (Eco, Confort, Prestige, Premium), assurance d'emprunt (professional, private, and pharmacy loan insurance), responsabilité civile professionnelle tailored separately to pharmacists, medical doctors, and paramedical professionals, and property/business-interruption insurance for medical premises and pharmacies. The wealth management division extends the offering with Étude Patrimoniale (asset assessment), PER (Plan d'Épargne Retraite), Assurance-vie, and SCPI real estate investments, providing cross-sell beyond pure insurance. The firm also offers a collective santé line that helps healthcare employers meet the French legal requirement to fund at least 50% of employee health coverage under the '100% santé' reform.

The business model is commission-based recurring revenue earned on Allianz and UNIM policies, with quote-driven pricing that varies by profession, coverage tier, and individual risk profile. Customer acquisition combines physical agency presence with a WordPress-based website featuring per-product online quote forms, LinkedIn and Facebook corporate pages, and nine IPID disclosure PDFs that serve as content marketing assets. The firm is structured as a SPEC (Société en Participation) with SIRET 80226512400015 and APE code 6622Z, co-owned and managed by its two named General Agents, and operates under the regulatory oversight of the ACPR (Autorité de Contrôle Prudentiel et de Résolution) via Allianz network affiliation.

Name

Midon Gazin

Legal name

MIDON GAZIN

Website

https://midongazin-medicale.fr

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Midon Gazin is a French insurance brokerage specialized in healthcare professionals, operating as an Allianz general agent and UNIM representative with four agencies in Meurthe-et-Moselle, distributing liability, health, loan, and wealth management products to twelve medical profession segments.

Ownership category

akta.pro rank

Product category

Healthcare Professional Insurance Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Portfolio Management and Investment Advice (523940)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurance Program Administration & MGA/MGU Services (FSAEADAK)

Keywords

• Healthcare professional insurance
• Professional liability insurance
• Complementary health insurance
• Pharmacy loan insurance
• Wealth management advisory

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Insurance Brokerage Commissions: Midon Gazin operates as Agents Généraux (General Agents) of ALLIANZ and representative of UNIM association. They earn commissions from insurance products sold including professional liability insurance, health insurance, provident insurance, loan insurance, and property insurance for healthcare professionals.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

Midon Gazin is a specialized insurance advisory firm that sells provident (death/disability/income protection), complementary health, loan, professional liability, and property insurance products exclusively to healthcare professionals in France. Operating as Agents Généraux of Allianz and representative of the UNIM association, the firm combines insurance brokerage with wealth management and retirement planning services, delivered through a network of four physical agencies in the Meurthe-et-Moselle region.

Product overview

Midon Gazin is a specialized insurance advisory firm for healthcare professionals, operating as an Allianz insurance agency and representative of the UNIM association. Its portfolio comprises a modular suite of insurance and wealth management products organized into two divisions: (1) Insurance Products — Protection Prévoyance (death/disability/illness coverage for medical, paramedical, hospital employee, and group practice segments), Complémentaire Santé (individual and collective health insurance with four guarantee levels Eco/Confort/Prestige/Premium), Assurance Emprunt (professional, private, and pharmacy loan insurance), Responsabilité Civile Professionnelle (professional liability for pharmacists, medical doctors, and paramedical professionals), and Assurance de Local/Officine (premises and pharmacy property/business interruption insurance); and (2) Wealth Management & Retirement — Étude Patrimoniale (comprehensive asset analysis), PER (retirement savings plan), Assurance-vie (life insurance), and SCPI (real estate investment). The company serves 12 health profession categories including physicians, surgeons, dentists, nurses, physiotherapists, pharmacists, veterinarians, and hospital doctors, with a network of 4 physical agencies in the Meurthe-et-Moselle region of France.

Differentiator

Problem solved

Functional benefit

Products and services

• Protection Prévoyance Provident insurance products providing financial protection for healthcare professionals against risks of death, disability, illness, or work stoppage. Includes specialized coverage for medical professionals, paramedical professionals, hospital employees, and group practice partners.
• Complémentaire Santé Individuelle Individual health insurance providing reimbursement of healthcare expenses with 4 guarantee levels (Eco, Confort, Prestige, Premium), integrating '100% santé' reform criteria, covering dependents up to age 30, with natal premium up to €1,500 per birth.
• Santé Collective pour Collaborateurs Collective health insurance for employers and healthcare professionals to cover their employees, meeting regulatory obligations with 4 levels of guarantees, employer co-payment at 50%, and coverage for dependents up to age 30.
• Assurance d'Emprunt d'Officine Loan insurance specifically designed for pharmacists covering their pharmacy (officine), reimbursing remaining capital to lenders in case of death, PTIA, IPAD, and loss of pharmacist profession (IPPP), with temporary total incapacity benefits up to 1,095 days.
• Assurance d'Emprunt Professionnel ou Privé Professional or private loan insurance covering death, disability, and work stoppage risks, protecting healthcare professionals against loan repayment obligations in case of illness or accident.
• Responsabilité Civile Professionnelle Pharmacien Professional liability insurance for pharmacists covering bodily injury, material damage, and financial loss arising from professional faults, including prescription dispensing, emergency care, pharmaceutical analyses, and Dossier Pharmaceutique management.
• Responsabilité Civile Professionnelle Médicale Professional liability insurance for medical doctors covering the consequences of civil liability arising from professional faults, including errors of fact or law, omissions, negligence, or inaccuracies in the execution of medical acts.
• Responsabilité Civile Professionnelle Paramédicale Professional liability insurance for paramedical professionals covering civil liability arising from professional faults in the execution of paramedical care and services.
• Assurance d'Officine Pharmacy (officine) insurance covering damage to property, business interruption, and professional liability, with optional protection including legal protection, cyber risks, and glass breakage for pharmacies.
• Assurance de Local Professionnel Professional premises insurance covering risks including fire, water damage, storm, hail, snow, glass breakage, business interruption, professional liability, and machinery breakdown, with optional legal protection and cyber risk coverage.
• Garantie des Associés de Cabinet de Groupe Group practice partners guarantee insurance enabling surviving partners to buy out shares of a deceased or professionally disabled partner, with death benefit, loss of profession capital, and permanent general expenses coverage from the 31st day of work stoppage up to 1,095 days.
• Prévoyance des Salariés Hospitaliers Hospital employee provident (anticipatory) insurance covering death/PTIA with education annuities and spouse annuities, incapacity of work with daily allowances up to 1,095 days, and permanent disability with annual rent starting at 10% disability rate.
• PER (Plan d'Épargne Retraite) Retirement savings plan (PER) providing tax-advantaged capital accumulation for retirement, with customized contracts and income supplement estimates through retirement studies.
• Assurance-Vie Life insurance contracts offering diversified investment allocations managed by specialists, providing wealth transmission with minimal or no inheritance taxes.
• SCPI (Société Civile de Placement Immobilier) Real estate investment through SCPI enabling property investment without management responsibilities, across diversified geographic and sector activity areas.
• Étude Patrimoniale Patrimonial study service providing comprehensive asset assessment with recommendations, defining a strategic wealth management plan tailored to the client's projects, current laws, and tax situation.

Quantifiable outcome

• Coverage from 10% disability rate with professional-specific scale
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core.

• AllianzcoreChannel Partner/ Reseller/ DistributorMidon Gazin is an Assureurs Conseil (Advisory Insurance Agents) of ALLIANZ, one of Europe's largest insurance companies. They operate as Agents Généraux representing Allianz and sell Allianz insurance products. Allianz has over 5.5 million clients, 12.88 billion euros in revenue, and operates through 2,000 points of sale.
• UNIMcoreStrategic or Co-development PartnerMidon Gazin is a representative of UNIM association. UNIM provides complementary health insurance formulas (Eco, Confort, Prestige, Premium) that Midon Gazin offers to healthcare professionals. The partnership provides access to UNIM's specialized insurance products for healthcare sector clients.

Scale indicators2 records

Recent moves6 records

Expansion highlights4 records

Broad incumbents

• AXA France: Largest general insurer in France with broad santé, prévoyance, RCP, and patrimoine offering through a large general-agent network. Competes with Midon Gazin across multiple product lines, though not healthcare-specialized.
• Malakoff Humanis: Major French group-protection and health insurer with a healthcare-sector heritage (santé, prévoyance, retraite, épargne). Overlaps broadly with Midon Gazin on the wealth-retirement and health products, but at much larger scale and incumbent profile.
• SwissLife France: Major French life, health, and wealth-management insurer sold largely through tied agents. Overlaps with Midon Gazin on the combined insurance + patrimoine (assurance-vie, PER, SCPI) offering and on the agent-led distribution model.
• MMA Assurances: Large French mutual insurer operating a multi-branch general agency network across France (similar distribution DNA to Midon Gazin's 4-branch agency model). Comparable on agency-channel economics though broader (non-healthcare-specialized) in product scope.

Direct peers

• AÉSIO mutuelle: Large French health mutuelle offering complémentaire santé, prévoyance, and retirement products to individuals and employers. Closely comparable on French regulated santé/collective-health products sold through a regional agency/broker network.
• Klesia: French group-insurance specialist with strong healthcare-sector retirement and prévoyance offering (originating from healthcare professional mutuals). Direct overlap with Midon Gazin's prévoyance/retraite positioning for healthcare professionals.
• Harmonie Mutuelle: Major French complémentaire santé insurer with strong healthcare-professional and employer-collective-health offering. Competes with Midon Gazin on the santé individuelle/collective core product lines and on regulated French health contracts.
• SPVIE Assurances: Insurance broker specialized in healthcare professionals (physicians, dentists, pharmacists, paramedics). Mirrors Midon Gazin's vertical specialization in RCP, santé, prévoyance, and loan insurance for the same healthcare segments.
• April Group: Leading French insurance broker and partner network distributing santé, prévoyance, emprunteur, and patrimoine solutions to individuals and professionals. Comparable on multi-product brokerage model and on French intermediary distribution.
• Alptis Assurances: French mutuelle/insurance intermediary that historically specializes in complementary health, prévoyance, and protection for healthcare professionals and families. Highly comparable to Midon Gazin on target persona (medical professionals) and product mix (santé + prévoyance).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfr-fr.facebook.com/pages/category/Insurance-Agent/Allianz-Midon-Gazin-Essey-Les-Nancy-856571794466325
• LinkedInlinkedin.com/in/midon-gazin-assureurs-conseil-5871711a5

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

Investments

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

Frequently asked questions about Midon Gazin