HODEVA

What HODEVA does

HODEVA (SARL HODEVA, RCS Lyon 521725168) is an independent French insurance managing general agent established in 2012 and headquartered in Francheville, near Lyon. The company designs, markets, and manages person-insurance solutions for two primary end-customer segments: self-employed workers (TNS — Travailleurs Non Salariés, ~2.8M individuals in France per INSEE) and corporate officers (mandataires sociaux), as well as individual borrowers requiring loan insurance. Its product portfolio comprises four lines — Prévoyance TNS (income protection and death/disability capital), Santé (supplementary health insurance with responsible and non-responsible options), Assurance de Prêt (delegated borrower insurance compliant with French banking regulations including the AERAS convention), and Temporaire Décès (term life for key person, cross-guarantee, and bank counter-guarantee use cases). All products feature irrevocable tariffs and are underwritten with backing from first-tier insurers and reinsurers.

HODEVA's operational model rests on two pillars. First, a specialized medical underwriting cell ('cellule médicale') with documented expertise in accepting borrowers presenting medical conditions, particularly within the loan-insurance line. Second, a digital extranet platform (extranet.hodeva.com) that enables broker partners to generate quotes in three clicks, execute electronic subscriptions, and track prospects and clients in real time across PC, tablet, and smartphone environments. The company has continuously iterated its contract terms to offer modular guarantees and simplified architecture.

The go-to-market is exclusively indirect: HODEVA distributes solely through a national network of broker partners (courtiers) specialized in social protection, supported by regional proximity commercial managers. It does not operate a direct-to-consumer channel. Revenue is generated through recurring insurance commissions on broker-distributed premiums, with pricing determined per quote based on individual risk profiles, professional activity, and selected guarantees. The company operates with 1-10 employees, €100,000 share capital, and is led by Laurent FERMELI-FURIC in the dual role of Gérant (Managing Director) and Data Protection Officer. There are no external institutional investors or parent company affiliations.

Name

HODEVA

Legal name

SARL HODEVA

Website

https://hodeva.com

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

1–10 employees

Short description

HODEVA is an independent French insurance managing general agent that designs and distributes person-insurance products — TNS prévoyance, health, borrower, and term life — exclusively through a national broker partner network, supported by a digital extranet and a specialized medical underwriting cell.

Ownership category

akta.pro rank

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Insurance Carriers (5241), Direct Life Insurance Carriers (524113), Direct Health and Medical Insurance Carriers (524114)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Accident & Health Insurance (6321)

akta.pro primary industry

Level Term Life Insurance (FSAIAAAA)

akta.pro secondary industry

Group Term Life Insurance (FSAIAAAJ)

Keywords

• Personal insurance products
• Provident insurance TNS
• Borrower loan insurance
• Term life insurance
• Complementary health insurance

Headquarters

HQ city

Francheville

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Revenue model

1. Prévoyance TNS insurance premiums: Provident insurance for self-employed workers (TNS) covering income protection, activity perpetuation, and family protection through customizable coverage modules
2. Complémentaire santé premiums: Supplementary health insurance with multiple coverage levels, including responsible and non-responsible contract options, providing comprehensive health coverage for individuals and families
3. Assurance emprunteur premiums: Loan insurance for real estate acquisitions, compliant with French banking regulations (Lois Lagarde, Hamon, AERAS), offering competitive pricing and broad acceptance by banks
4. Temporaire décès premiums: Term life insurance serving multiple purposes: key person coverage, cross-partner guarantees, bank counter-guarantees, and family protection

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

HODEVA designs, markets, and manages personal insurance solutions for self-employed professionals (TNS), corporate officers (mandataires sociaux), and individual borrowers in France. Its portfolio includes provident insurance (Prévoyance TNS), complementary health insurance (Santé), delegated borrower loan insurance (Assurance de Prêt), and term life insurance (Temporaire Décès), all distributed through a broker partner network via a dedicated digital extranet.

Product overview

HODEVA is an independent insurance company specializing in personal insurance products for self-employed professionals (TNS) and corporate officers in France. The company offers a portfolio of four core insurance solutions: Prévoyance TNS (provident insurance), Santé (health insurance), Assurance de Prêt (borrower loan insurance), and Temporaire Décès (term life insurance). These products are distributed through a network of broker partners via the HODEVA Extranet platform, which provides digital tools for pricing, subscription, and client management. The company operates as a managing general agent working with primary insurers and reinsurers.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Simplified medical decisions in extremely reasonable timeframes
• +2 more outcomes

Segments4 records

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered core.

• First-tier insurers and reinsurerscoreStrategic or Co-development PartnerHODEVA constructs its insurance solutions in partnership with leading insurers and reinsurers, combining the financial security of major insurance multinationals with the responsiveness of a human-sized company.
• Insurance broker partners (Courtiers)coreChannel Partner/ Reseller/ DistributorNational network of broker partners specialized in social protection who distribute HODEVA insurance products (TNS provident, health, loan insurance, temporary death) to their end-client base of self-employed workers and individuals.

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• CEGEMA: CEGEMA (now part of MAMUT/Malakoff Humanis ecosystem) was a French broker specialized in health, prévoyance, and loan insurance distributed via partner networks to TNS clients — directly comparable on product mix and channel.
• Klesia: Klesia is a French insurance group focused on social protection for company directors, executives, and salaried employees, providing prévoyance, santé, and retirement products. Highly comparable on the mandataires sociaux / corporate officer segment that HODEVA serves.
• Henner: Henner is a French group health and prévoyance specialist working with brokers and corporate clients, including TNS segments. Comparable on group health and person insurance distribution to French intermediaries.
• SPVIE Assurances: SPVIE Assurances is a French broker specialized in insurance for entrepreneurs, liberal professionals, and corporate officers — competing for the same TNS/mandataires sociaux clients via a similar multi-product brokerage approach.
• Alptis: Alptis is a French mutual insurer/broker specialized in person insurance for self-employed workers (TNS) and corporate officers, offering prévoyance, santé, and loan insurance through a partner network — the closest direct analogue to HODEVA's product mix and target persona.
• April (Acheel): April (now part of Acheel) is a major French insurance broker distributing person insurance, health, and loan insurance through a partner network, with digital tools for brokers — directly comparable to HODEVA's broker-led MGA model.

Emerging players

• Alan: Alan is a French/European digital health insurance carrier offering streamlined health coverage to individuals and small businesses via a tech-first platform. Comparable as an emerging digital-first insurer targeting the underserved SMB/self-employed segment that HODEVA also serves.
• Magnolia.fr: Magnolia.fr is a French digital insurance broker offering delegated loan insurance and person insurance products online. Comparable as an emerging digital-first intermediary in the French delegated person-insurance market.

Broad incumbents

• CNP Assurances: CNP Assurances is one of France's largest life and personal protection insurers, deeply present in loan insurance and prévoyance. A broad incumbent whose scale and bank-distribution model contrasts with HODEVA's independent broker-led approach.
• SwissLife France: SwissLife France is a large life, health, and prévoyance insurer serving individuals, TNS, and corporate clients through brokers and direct channels. Comparable as a broad incumbent in person insurance with overlap in all four HODEVA product lines.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/expertassurpret
• LinkedInlinkedin.com/company/hodeva

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 HODEVA