EUCARE Insurance PCC Limited

Name

EUCARE Insurance PCC Limited

Legal name

EUCARE Insurance PCC Limited

Website

https://eucareinsurance.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Ownership category

akta.pro rank

Product category

Insurance

NAICS

Direct Health and Medical Insurance Carriers (524114)

SIC

Accident & Health Insurance (6321), Insurance Carriers, Nec (6399)

akta.pro primary industry

Small Group Health Insurance (2–50/100) (FSAIAFAD)

Keywords

• Health insurance
• Income protection insurance
• Non-life insurance underwriting
• Social protection insurance
• Supplementary health cover

Headquarters

HQ city

Valletta

HQ country

Malta

HQ region

Europe

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums: EUCARE offers multiple basic insurance policies and supplementary/dental insurances in the Netherlands, generating revenue through premium payments from insured individuals and collectives (employers and employees). Products are distributed via Aevitae MGA.
2. Income Protection Insurance Premiums: EUCARE provides income protection insurance following sickness and absenteeism, including sickness insurance, WGA-ERD insurance, and WIA-employee insurances. Revenue generated through premium collection from employers and employees in the Netherlands.
3. Complementary Health Insurance (France): EUCARE offers statutory insurance and complementary health insurance solutions for public and private entities in France, generating recurring premium revenue.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

EUCARE Insurance PCC Limited is a Malta-based Protected Cell Company (PCC) insurance carrier that underwrites health insurance and income protection cover in the EU. It offers basic and supplementary/dental health insurance for individuals in the Netherlands (Natura, Natura Select, Combinatie, and Bewust Verzekerd budget variants), employer income protection products (sickness, WGA-ERD, WIA-employee) in the Netherlands, and statutory, complementary health, and loss-of-income insurance for public and private entities in France.

Product overview

EUCARE Insurance PCC Limited is a protected cell insurance company headquartered in Malta, operating across the EU (primarily in France and the Netherlands) through its NL Care Cell. The company offers two core product lines: (1) Health insurance products including Natura Select, Natura, Combinatie, and their Bewust Verzekerd (budget-conscious) variants, covering medical costs under the Dutch Health Insurance Act; and (2) Income protection products including Sickness Insurance (first two years of absence), WGA-ERD Insurance (10-year disability coverage), and WIA-Employee Insurance (long-term disability). In France, EUCARE provides Statutory Insurance, Complementary Health Insurance, and Loss of Income Insurance for incapacity and disability. The company distributes through partners such as Aevitae (Managing General Agent in the Netherlands) and authorized insurance agents across European countries.

Differentiator

Problem solved

Functional benefit

Products and services

• Basic Health Insurance (Netherlands)
• Supplementary and Dental Health Insurance (Netherlands)
• Sickness Insurance (Netherlands)
• WGA-ERD Insurance (Netherlands)
• WIA-Employee Insurance (Netherlands)
• Statutory Insurance (France)
• Complementary Health Insurance (France)
• Loss of Income Insurance (France)

Quantifiable outcome

• Premium control and cost control achieved through formal and material controls

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• AevitaecoreChannel Partner/ Reseller/ DistributorAevitae serves as Managing General Agent (MGA) for EUCARE's Netherlands operations. In this collaboration, EUCARE is the manufacturer and Aevitae is the distributor and administrator of income protection insurance policies. For health insurance, Aevitae handles distribution and administration of EUCARE's basic and supplementary insurance policies.
• AevitaecoreChannel Partner/ Reseller/ DistributorAevitae serves as Managing General Agent (MGA) for EUCARE's health insurance products in the Netherlands. The company distributes and administers multiple basic insurance policies and supplementary/dental insurances underwritten by EUCARE.
• Authorized Insurance AgentscoreChannel Partner/ Reseller/ DistributorEUCARE cooperates with authorized insurance agents in European countries to offer customized insurance offerings to their customers. Partners are selected carefully with long-term partnership focus. EUCARE provides risk carrier capacity for health insurance and disability/absenteeism products.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Menzis: Major Dutch health insurer with basic and supplementary plans plus income-protection offerings. Comparable in product breadth (health + absenteeism/disability) and Dutch market focus to EUCARE, but at significantly larger scale.
• Achmea: Largest Dutch insurance group (Zilveren Kruis, Interpolis, etc.) covering health, disability and income protection. Comparable in product scope to EUCARE but operates as a broad incumbent across personal and commercial lines.
• Coöperatie VGZ: One of the four large Dutch basic-health insurance groups offering basic and supplementary cover nationwide. Comparable product set to EUCARE but at materially larger scale and broader distribution.
• AG2R La Mondiale: Large French social-protection group providing health, prévoyance and dependency cover across France. Comparable to EUCARE France across health and income-protection lines, but with significantly broader scale and distribution.

Direct peers

• ONVZ Zorgverzekeraar: Dutch not-for-profit health insurer offering basic and supplementary health plans on a similar scale and independent-agent-led distribution model. Highly comparable niche-positioning to EUCARE's Dutch health book underwritten via the Aevitae MGA.
• Harmonie Mutuelle: Major French complementary health insurer serving individuals and corporate clients, often via partnership distribution. Comparable to EUCARE France's complementary health and statutory cover offerings for public/private entities.
• Zorg en Zekerheid: Regional Dutch health insurer offering basic and supplementary cover with a comparable focus on the Dutch market. Closely comparable size, product set, and member profile to EUCARE's Dutch health insurance book.
• DSW Zorgverzekeraar: Small-to-mid Dutch basic-health insurer with a regional/niche brand and selective broker distribution — directly comparable in positioning to EUCARE's Dutch basic-health offering and MGA-led go-to-market.
• Klesia: French social-protection group offering complementary health, prévoyance (income protection) and retirement cover to companies and individuals. Closely comparable to EUCARE's French book across statutory, complementary health and loss-of-income products.

Emerging players

• Anderzorg: Budget-positioned Dutch basic-health brand (Menzis group) with a Bewust Verzekerd-style value offering. Comparable to EUCARE's lower-premium Natura/Bewust Verzekerd variants on product positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/eucare-insurance

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

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 EUCARE Insurance PCC Limited