What Pavillon Prevoyance does

Pavillon Prévoyance is a French mutual insurance company (mutuelle) founded in 1925 and headquartered in Bordeaux, France. It operates as the flagship entity of Groupe Pavillon Prévoyance, formed in 2016 through the consolidation of several mutual entities and now encompassing CFB, H. Family Office, Maciflore, Mutations Corporate Finance, MGT, Sofraco, and MGP&C. The company is regulated by the ACPR under the French Code de la Mutualité and is a member of the Fédération Nationale de la Mutualité Française (FNMF). Leadership is provided by Laurent Petit as Dirigeant, with a workforce of 51-100 employees.

The company's product portfolio spans four lines. In health, it offers SANTEA for individuals, families, students, and independent professionals; Vitanova for seniors aged 55 and over; Gamme Terri for territorial agents; and the complémentaire santé solidaire for low-income beneficiaries. In prévoyance, it covers death, disability, dependency, and funeral risk. Savings and retirement products form the third line, and a property-and-casualty line completes the offering with housing and mortgage protection. Distribution is hybrid: eight physical agencies spread across Nouvelle-Aquitaine provide face-to-face service, while digital channels include an online quote and subscription portal, a member mobile application co-developed with OWLIANCE/TESSI, and integrated third-party services from Maiia (teleconsultation), Itelis (care network), and deuxiemeavis.fr (second medical opinion).

The business operates on a mutualist non-profit model, generating revenue through premium income collected from individual and group policyholders across a diversified segment mix that includes retail individuals, families, students, indépendants, territorial agents, low-income beneficiaries, and corporate clients. There are no external shareholders; surpluses are reinvested or rebated to members. The multi-entity group structure allows cross-selling financial services (wealth management, M&A advisory through Mutations Corporate Finance, brokerage through Sofraco) to the shared member base, extending the economic footprint beyond the core insurance premium stream. Geographic footprint is concentrated in Nouvelle-Aquitaine but Sofraco provides a national distribution channel.

Name

Pavillon Prevoyance

Legal name

Pavillon Prévoyance

Website

https://pavillon-prevoyance.fr

Company type

Private

Founded year

1925

Operating status

Operating

Headcount range

51–100 employees

Short description

Pavillon Prévoyance is a French mutual insurance company founded in 1925 and headquartered in Bordeaux, providing complementary health, prévoyance, savings/retirement, and property-and-casualty insurance to individuals, families, and enterprises across Nouvelle-Aquitaine through eight agencies and digital channels.

Ownership category

akta.pro rank

Headquarters

HQ city

Gironde

HQ country

France

HQ region

Europe

Offices12 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health insurance subscriptions (Complémentaire santé): Recurring premium payments from individual and group health insurance policies. Products include SANTEA (individual/family plans), Vitanova (senior plans 55+), Gamme Terri (territorial agents), and Complémentaire santé Solidaire. Offered as 100% responsible (100% responsables) or non-responsible plans.
2. Prévoyance (insurance/protection) subscriptions: Recurring premiums for prévoyance policies covering death, disability, dependency, and funeral expenses. Includes guarantees for loss of autonomy, unexpected expenses, and family protection.
3. Savings and retirement products: Long-term savings and retirement preparation products, including child future planning, wealth growth, and estate planning solutions.
4. General insurance products: Property and liability insurance products covering housing, mortgage loans, and personal property.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

Pavillon Prévoyance is a French mutual insurance company offering health insurance (SANTEA, Vitanova, Gamme Terri, Complémentaire santé solidaire), prvoyance products covering death, disability, dependency, and funeral expenses, savings and retirement plans, and property/casualty (IARD) insurance. The company distributes its products through 8 physical agencies in Nouvelle-Aquitaine, an online platform, and a broker network, serving individuals and professionals. It is headquartered in Bordeaux, France and was founded in 1925.

Product overview

Pavillon Prévoyance is a mutual insurance company operating as a union of mutuals under the French Mutual Code, offering a comprehensive portfolio of complementary health insurance, providence (death/life risk), savings/retirement, and property/casualty insurance products. The company's core health insurance products include SANTEA (for families, individuals, students, and self-employed), Vitanova (for seniors 55+), and Gamme Terri (for territorial agents), alongside complementary offerings like the Complémentaire santé solidaire for low-income individuals. The product portfolio is structured around four main pillars: Santé (health), Prévoyance (providence/risk protection), Épargne et retraite (savings and retirement), and Assurances (property/casualty). The company also provides digital services including a mobile application, e-health platform (Maiia), healthcare network (Itelis), second medical opinion service, and health assistance services. Pavillon Prévoyance is part of Groupe Pavillon Prévoyance, which includes subsidiary entities focused on insurance brokerage, financial advisory, real estate, and corporate finance.

Differentiator

Problem solved

Functional benefit

Brands

• SANTEA: Health insurance product range adapted to individual needs including family, young/student (18+), and specific professional categories.
• Vitanova

Products and services

• SANTEA Health insurance product offered by Pavillon Prévoyance to individual consumers and professionals seeking complementary health coverage.
• Vitanova Health insurance product offered by Pavillon Prévoyance to individual consumers and professionals.
• Gamme Terri Health insurance range offered by Pavillon Prévoyance, likely targeting specific regional or segment needs of individual consumers and professionals.
• Complémentaire santé solidaire Solidarity complementary health insurance (Complémentaire santé solidaire) offered by Pavillon Prévoyance, providing health coverage aligned with the French state's solidarity health framework for qualifying individuals.
• Prévoyance Prévoyance insurance product covering death, disability, dependency, and funeral expenses, offered by Pavillon Prévoyance to individual consumers and professionals for income protection and family security.
• Savings and Retirement (Épargne/Retraite) Savings and retirement products offered by Pavillon Prévoyance to individual consumers and professionals for long-term financial planning and retirement preparation.
• Property/Casualty Insurance (IARD) Property and casualty insurance (Incendie, Accidents, Risques Divers) offered by Pavillon Prévoyance to individual consumers and professionals for protection against property damage and liability risks.

Segments6 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

15 partnerships are on record, tiered core and minor.

• Groupe CFBcoreStrategic or Co-development Partner · 1 January 2016Groupe CFB (groupecfb.com), based in Boulazac, is part of Groupe Pavillon Prévoyance. It specializes in social protection and insurance brokerage. CFB provides a complementary distribution channel and product expertise within the group structure.
• H. Family OfficeminorStrategic or Co-development Partner · 1 January 2016H. Family Office (21 cours de Verdun, Bordeaux) provides financial investment advisory, banking intermediary services, real estate transactions, and insurance brokerage. Contributes to the comprehensive wealth and protection ecosystem of Groupe Pavillon Prévoyance.
• Groupe MacifloreminorStrategic or Co-development Partner · 1 January 2016Groupe Maciflore (65 cours de Verdun, Bordeaux) specializes in merger, acquisition, and financing advisory services. Contributes to the group's strategic advisory capabilities within the Nouvelle-Aquitaine business ecosystem.
• Mutations Corporate FinanceminorStrategic or Co-development Partner · 1 January 2016Mutations Corporate Finance (21 cours de Verdun, Bordeaux) specializes in financing consulting, adding expertise to the group's financial advisory capabilities.
• MGTminorStrategic or Co-development Partner · 1 January 2016MGT (65 cours de Verdun, Bordeaux) specializes in rental property management (gestion locative), contributing real estate management expertise to the group.
• S.C ConseilminorStrategic or Co-development Partner · 1 January 2016S.C Conseil (6 avenue Neil Armstrong, Mérignac) is an entity within the group structure, contributing to the diversified professional services offered by Groupe Pavillon Prévoyance.
• Groupe SofracocoreStrategic or Co-development Partner · 1 January 2016Groupe Sofraco (46 Rue de Tauzia, Bordeaux) is the 1er Réseau National d'Experts en Protection Sociale (1st National Network of Social Protection Experts). It operates as a financial investment advisor, banking service intermediary, real estate transaction broker, insurance broker, and property trader. Sofraco represents a significant national distribution and expertise network within the group.
• MGP&CminorStrategic or Co-development Partner · 1 January 2016MGP&C is an entity within the Groupe Pavillon Prévoyance structure located at 21 cours de Verdun, Bordeaux, contributing to the group's diversified service offering.
• IteliscoreTechnology or IntegrationRéseau de soins Itelis is the healthcare provider network used by Pavillon Prévoyance to offer members access to optical, dental, and audiology care at negotiated rates. The network is a core component of the health insurance product offering, enhancing member value through reduced out-of-pocket costs.
• MaiiacoreTechnology or IntegrationMaiia is an e-health platform integrated into Pavillon Prévoyance's member services, enabling members to book medical appointments and access teleconsultation services. This partnership extends the digital service offering beyond claims management to proactive healthcare access.
• OWLIANCE (Groupe TESSI)coreTechnology or IntegrationOWLIANCE, a company of the TESSI group, provides and operates the Pavillon Prévoyance mobile application for iOS and Android. The app allows members to consult data, manage claims, and perform administrative tasks related to their health contracts.
• Fédération Nationale de la Mutualité Française (FNMF)coreOthersPavillon Prévoyance is a member of the FNMF (Mutualité Française federation). The FNMF provides institutional representation, a mediation service for member disputes, and a framework for mutual insurance best practices and standards.
• HostMe SASminorOthersHostMe SAS is the web hosting provider for Pavillon Prévoyance's website (pavillon-prevoyance.fr), located in Clermont-Dessous, France.
• Google Analytics (Google)minorOthersPavillon Prévoyance uses Google Analytics cookies (_ga, _gid, _gat, AMP_TOKEN, gac_) for site audience measurement and performance analytics. Cookies have a 13-month lifespan and are used to improve site performance.
• Facebook PixelminorGTM or Marketing PartnerFacebook Pixel is used on the Pavillon Prévoyance website for social content sharing and targeted advertising purposes, allowing content to be shared on Facebook from the company site.

Scale indicators3 records

Recent moves7 records

Expansion highlights3 records

Emerging players

• Alan: Alan is a French digital-native health insurance company providing individual and SME complementary health insurance through a fully digital experience. It is comparable to Pavillon Prévoyance as a French health insurance provider targeting similar customer segments (individuals, TNS, SMEs), though Alan operates with a pure digital model versus Pavillon's hybrid agency-based distribution.

Broad incumbents

• SwissLife France: SwissLife France is a major French life and health insurer offering savings/retirement, health, and prévoyance products. It is comparable to Pavillon Prévoyance in complementary health and prévoyance offerings, though SwissLife operates at national scale as a broad incumbent rather than a regional mutual.
• AXA France: AXA France is the French arm of global insurer AXA, offering health, life, P&C, and savings products to individuals and businesses. It is comparable to Pavillon Prévoyance in product breadth (especially health and prévoyance), though AXA operates as a broad incumbent stock-listed insurer rather than a regional mutual.

Direct peers

• Harmonie Mutuelle (Vyv Group): Harmonie Mutuelle is a large French mutual insurer under the Vyv mutualist group, offering complementary health, prévoyance, and savings products. It is directly comparable to Pavillon Prévoyance as a French mutuelle operating under the Code de la Mutualité with a multi-product protection portfolio, though at materially larger scale.
• MGEN (Mutuelle Générale de l'Éducation Nationale): MGEN is one of France's largest mutuelles, providing complementary health, prévoyance, and social protection primarily to education sector members. It is comparable to Pavillon Prévoyance in mutual structure and product offering, though MGEN's sector focus (education) and national scale differ from Pavillon's regional individual/TNS focus.
• Henner: Henner is a French insurance broker and health/prévoyance specialist focused on group health insurance for international and French corporate clients. It is comparable to Pavillon Prévoyance as a complementary health and prévoyance provider, though Henner's distribution model is more broker-centric and enterprise-focused.
• Malakoff Humanis: Malakoff Humanis is a major French mutual group formed through the merger of Malakoff Médéric and Humanis, providing health, prévoyance, retirement, and savings products. It is comparable to Pavillon Prévoyance in mutual governance and protection portfolio, though at significantly larger national scale with stronger enterprise/SME distribution.
• Aesio Mutuelle: Aesio is a French mutual group resulting from the merger of several regional mutuelles (including Harmonie Loire, Adrea, etc.), offering complementary health, prévoyance, and savings across multiple French regions. It is directly comparable to Pavillon Prévoyance as a multi-regional mutual under the Code de la Mutualité serving both individuals and enterprises.
• April: April is a leading French insurance broker distributing health, prévoyance, property, and financial products through a broker network. It is comparable to Pavillon Prévoyance in product breadth (health, prévoyance, P&C, savings) and broker channel strategy, though April operates as a broker while Pavillon is an underwriting mutual.

Regional players

• Mutuelles du Soleil: Mutuelles du Soleil is a regional French mutual insurance group based in southern France, offering complementary health, prévoyance, and savings products. It is highly comparable to Pavillon Prévoyance as a regional French mutual under the Code de la Mutualité with a similar product portfolio, though operating in a different geographic region.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/pavillonprevoyance
• LinkedInlinkedin.com/company/pavillon-prevoyance
• Xx.com/pavillonprev

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries6 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 Pavillon Prevoyance