What CGRM does

CGRM is a France-based insurance management center (centre de gestion) founded in 1984 and headquartered in Dunkerque. The company specializes in administering complementary health insurance (complémentaire santé) and provident insurance (prévoyance) on behalf of insurers, brokers, employers, and individual policyholders. Its core business is fee-based third-party administration: processing affiliations, managing claims, handling reimbursements, executing DSN social declarations, and producing accounting bordereaux. CGRM serves four distinct customer segments through role-specific digital portals — Espace Assuré (policyholders), Espace Courtier (insurance brokers), Espace Entreprise (corporate clients), and Espace Professionnels de Santé (healthcare providers) — plus a mobile application available on iOS and Android.

The technology stack centers on an integrated digital platform with several proprietary components: CEEGEE, an AI-powered virtual assistant for omnichannel customer service via phone and chat; New Affil, a digital affiliation management tool that replaces paper and email workflows; the ROC (Réseau d'Optimisation des Coûts) automated reimbursement system; and the New Accounting Tab for direct bordereau access in corporate and broker portals. CGRM is integrated with four major French healthcare provider networks (Itelis, Santéclair, Carte Blanche, Kalixia) for third-party payment processing, with DSN for social declarations compliance, and with MEDADOM for in-app teleconsultation services.

The revenue model is built on recurring subscription/management fees charged for administering health and provident insurance contracts, distributed primarily through a broker (courtier) channel network with secondary direct-to-consumer engagement via portals and mobile app. The company is privately held, employs 101–250 people, operates exclusively in France, and has no disclosed funding rounds, parent entity, or institutional investors. In 2024, CGRM executed a multi-feature digital refresh (CEEGEE, MEDADOM, New Affil, ROC, accounting tab) and maintained a 93/100 gender equality index score for 2025.

Name

CGRM

Legal name

CGRM

Website

https://cgrm.fr

Company type

Private

Founded year

1984

Operating status

Operating

Headcount range

101–250 employees

Short description

CGRM is a France-based insurance management center (gestion centre) founded in 1984, specializing in complementary health and provident insurance administration for enterprises, brokers, individual policyholders, and healthcare professionals via role-specific digital portals and an AI-assisted platform.

Ownership category

akta.pro rank

Product category

Insurance Management Services

NAICS

Pharmacy Benefit Management and Other Third Party Administration of Insurance and Pension Funds (524292), Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Agencies and Brokerages (524210)

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Health Insurance Brokerage & Distribution (FSAIAEAL)

akta.pro secondary industry

Billing, Payments & Premium Finance Platforms (FSAGAGAI)

Keywords

• Health insurance management
• Provident insurance services
• Insurance broker services
• Complementary health coverage
• Third-party payment processing

Headquarters

HQ city

Dunkerque

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Insurance management fees: CGRM acts as a management center (centre de Gestion) for health insurance and provident insurance, earning fees for administrative management services provided to insurers, brokers, and policyholders.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core offering

CGRM is a French insurance management center specializing in complementary health insurance and provident (death/disability) insurance administration. The company provides outsourced policy administration, reimbursement processing, employee affiliation management, and broker portfolio management through a digital platform consisting of role-based web portals, a mobile application, an AI-powered customer service assistant, and automated reimbursement systems. CGRM serves businesses, insurance brokers, individual policyholders, and healthcare professionals, integrating with French healthcare provider networks for third-party payment processing.

Product overview

CGRM is a specialist in complementary health insurance and prévoyance (death/disability insurance) with 40 years of experience. The company operates as a Gestion center for insurance, offering a digital platform with multiple connected spaces: the Assuré Portal for policyholders to manage their coverage and reimbursements, the Courtier Portal for insurance brokers, the Entreprise Portal for corporate clients, and the Professionnels de Santé Portal for healthcare providers. Key digital tools include the New Affil for employee affiliation management, the CEEGEE AI virtual assistant for customer service, the ROC system for automated reimbursements, and a mobile application featuring MEDADOM teleconsultation. The product portfolio is unified through these integrated digital spaces connected to healthcare provider networks (Itelis, Santéclair, Carte Blanche, Kalixia) for third-party payment services.

Differentiator

Problem solved

Functional benefit

Products and services

• Espace Assuré (Policyholder Portal) Digital portal for individual insured members to manage their complementary health insurance contracts, submit documents, track reimbursements, download their tiers payant (third-party payment) card, and communicate with advisors. Targeted at individual policyholders covered under employer-sponsored or personal health insurance plans.
• Espace Courtier (Broker Portal) Digital platform for insurance brokers to manage client portfolios, process affiliations and cancellations, access real-time policy information, and retrieve accounting and reporting features. Targeted at insurance brokers (courtiers) managing health and provident insurance portfolios.
• Espace Entreprise (Corporate Portal) Digital workspace for corporate clients to manage employee health insurance enrollments via the New Affil tool, track contributions, access accounting reports and contribution bordereaux, and handle DSN social declarations. Targeted at businesses offering employer-sponsored complementary health and provident insurance.
• Espace Professionnels de Santé (Healthcare Provider Portal) Portal for healthcare professionals (doctors, dentists, hospitals) to manage third-party payment (tiers payant) interactions and network connections with CGRM, including integration with healthcare provider networks (Itelis, Santéclair, Carte Blanche, Kalixia).
• Application Mobile CGRM (Mobile App) Mobile application available on iOS and Android enabling insured members to submit documents, track reimbursements, access their tiers payant card, chat with advisors, and use MEDADOM teleconsultation services. Targeted at individual policyholders for on-the-go insurance management.
• CEEGEE AI Virtual Assistant AI-powered virtual assistant accessible via phone and chat that provides real-time, personalized customer service without wait times. Functions as an autonomous agent handling customer interactions across CGRM's omnichannel customer service strategy. Targeted at insured members and brokers seeking immediate customer support.
• New Affil

Quantifiable outcome

• Digital document submission receives priority treatment over email and postal mail for reimbursement processing
• +1 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

Integration6 records

AI capability2 records

Feature5 records

Partnerships

Two partnerships are on record, tiered core.

• MEDADOMcoreTechnology or IntegrationMEDADOM is a leading online medical teleconsultation provider. CGRM integrated MEDADOM teleconsultation services into its mobile application, providing customers with access to remote medical consultations directly through the CGRM app — a significant advancement in digital health services for policyholders.
• Healthcare Provider Networks (Itelis, Santéclair, Carte Blanche, Kalixia)coreTechnology or IntegrationCGRM participates in multiple healthcare provider networks including Itelis, Santéclair, Carte Blanche, and Kalixia. These networks provide preferential rates and streamlined third-party payment processing for policyholders visiting network-affiliated healthcare providers.

Scale indicators2 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Henner: French insurance broker specializing in individual and collective health/prévoyance coverage; comparable to CGRM in its broker-driven distribution of complémentaire santé products to corporate clients.
• CEGEMA: French health insurance management center (centre de gestion) with a comparable model of administering complémentaire santé and prévoyance for brokers, enterprises, and individuals — directly analogous to CGRM in scale, scope, and service mix.
• Alptis: French health and prévoyance distributor/broker with proprietary digital management tools and broker portal infrastructure, overlapping with CGRM's broker-led distribution and policy administration model.
• Mutex: French third-party administrator and health insurance gestionnaire serving brokers and enterprises; competes directly with CGRM in TPA-style management of individual and collective health contracts in France.
• SPVIE: French insurance broker and courtier specializing in health, prévoyance, and employee benefits for businesses — a direct competitor in the same broker-channel-driven health/prévoyance segment.

Broad incumbents

• Malakoff Humanis: Leading French group in health, prévoyance, and retirement for enterprises and individuals; shares CGRM's complémentaire santé/prévoyance focus and enterprise/broker distribution model but with national scale and proprietary insurance carrier operations.
• Klesia: Large French group specializing in health, prévoyance, and retirement for enterprises; competes with CGRM for the same corporate complémentaire santé and prévoyance mandates but operates at materially larger scale.
• Verspieren: Established French insurance broker and risk-management firm with significant health and prévoyance brokerage for corporate clients; comparable channel model and customer base but broader product portfolio than CGRM.
• Harmonie Mutuelle: Major French mutual insurer providing complémentaire santé and prévoyance to individuals and enterprises; comparable product set and customer segments to CGRM but with nationwide mutualist distribution and direct insurance underwriting capability.
• April Group: Major French insurance broker and distributor with a broad portfolio spanning health, prévoyance, P&C, and credit insurance; overlaps with CGRM in broker-led health and prévoyance distribution but at significantly larger scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/cgrmdunkerque
• LinkedInlinkedin.com/company/cgrm
• Instagraminstagram.com/cgrmdunkerque

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 CGRM