What APGIS does

APGIS is a French Institution de prévoyance (provident fund institution) founded in 1975 and affiliated since 2011 with SGAM Covea, the mutual insurance group that houses GMF, MAAF and MMA. Operating as a non-profit under paritarian governance — its 30-member board is split equally between employer and employee representatives — APGIS co-constructs health insurance (Santé) and prévoyance (incapacity, disability, death) regimes with social partners across 17 professional branches, including the pharmaceutical industry, pharmaceutical distribution, pharmacy d'officine, notariat, retail, craftsmanship and food sectors. It serves 35,800 companies and 808,000 beneficiaries, with €738M in premiums collected and €649M in benefits paid in 2024, distributed by 350 staff.

The product surface is organized around three digital portals (Espace Assuré for individuals, Espace Entreprise for employers, Espace Professionnel de Santé for healthcare providers) plus the Apgismobile app, with complementary services such as MySantéclair teleconsultation and care-network access (delivered via partner Santéclair), IDECLAIR quote analysis for dental/optical/hearing, Prest'IJ work-stoppage tracking, and Filapgis social-support guidance. Coverage is compliant with French responsible-contract and 100% Santé rules and is delivered with what APGIS characterizes as among the lowest management fees in its sector.

Revenue comes from recurring monthly premiums (cotisations) split between employer and employee per each branch's collective agreement, supplemented by social-fund contributions from the 'Haut degré de solidarité.' Distribution is via direct B2B relationships within professional branches, recommendations from social partners, and a delegated channel through accountants (experts-comptables). Anchor clients include Carrefour, Sanofi, Nestlé, Afpa, JCDecaux, Clairefontaine and But, but no single customer dominates given the diversified branch base.

Name

APGIS

Legal name

APGIS - Institution de prévoyance

Website

https://apgis.fr

Company type

Private

Founded year

1975

Operating status

Operating

Headcount range

101–250 employees

Short description

APGIS is a French non-profit Institution de prévoyance, founded in 1975 and affiliated with SGAM Covea, that provides supplementary health and prévoyance insurance to 35,800 companies and 808,000 beneficiaries across 17 professional branches through paritarian, branch-specific regimes.

Ownership category

akta.pro rank

Product category

Group Health and Prévoyance Insurance

NAICS

Health and Welfare Funds (525120)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311), Services-Health Services (8000)

akta.pro primary industry

International / Expatriate Group Health Plans (FSAIAFAJ)

Keywords

• Group health insurance
• Provident insurance
• Social protection
• Paritarian institution
• Employee benefits coverage

Headquarters

HQ city

Vincennes

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums (Cotisations Santé): APGIS collects insurance premiums from companies and employees for supplementary health coverage. Premiums are managed through paritarian governance ensuring low management fees.
2. Prévoyance Insurance Premiums: Collects premiums for prévoyance coverage including incapacity, disability and death benefits. In 2024, 649M€ in benefits were paid out.
3. Social Fund Contributions (Fonds Social): Collects contributions for social solidarity actions funded by the 'Haut degré de solidarité' from professional branches.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels5 records

Core offering

APGIS is a non-profit paritarian provident institution (institution de prévoyance) that designs, manages and distributes group supplementary health insurance (Santé) and prévoyance coverage (incapacity, disability, death) tailored to 17 French professional branches. It serves 35,800 companies and 808,000 beneficiaries through customized branch-specific regimes, collecting 738M€ in premiums in 2024 and paying 649M€ in benefits. The offering is delivered via three digital portals (Espace Assuré, Espace Entreprise, Espace Professionnel de Santé) and supported by add-on services such as MySantéclair, Filapgis and IDECLAIR.

Product overview

APGIS is an Institution de Prévoyance (provident institution) offering a comprehensive social protection platform consisting of health insurance (Santé) and provident insurance (Prévoyance) products tailored to professional branches. The core product portfolio includes three main digital portals: Espace Assuré for insured members to manage health reimbursements and procedures, Espace Entreprise for employers to manage contracts and DSN declarations, and Espace Professionnel de Santé for healthcare providers. These are supplemented by add-on modules including MySantéclair (teleconsultation and care network), Filapgis (social support and guidance), IDECLAIR (medical quote analysis), and Prest'IJ (work stoppage tracking). The company also provides solidarity and prevention services, branch-specific regime management, and third-party payment card services.

Differentiator

Problem solved

Functional benefit

Brands

• Filapgis: A listening and advisory service for policyholders dealing with everyday life issues including health, family, caregiving, and financial difficulties.
• Apgismobile
• MySantéclair

Products and services

• Santé (Supplementary Health Insurance) Supplementary group health insurance products covering medical expenses, hospitalization, dental, optics and hearing care (including 100% Santé), compliant with responsible contract requirements. Designed for companies operating in 17 French professional branches to provide mandatory and supplementary health coverage to employees.
• Prévoyance (Provident Insurance) Provident insurance products covering incapacity, disability and death benefits including daily sickness allowances, disability annuities, death capital, education rent, and funeral expenses. Tailored to professional branch collective agreements. 649M€ in benefits were paid out in 2024.
• Solidarité et Prévention Solidarity and prevention service offering including financial assistance for caregivers and hardship cases (hospitalization, serious illness, death), health actions (nutrition, screening, vaccination), and branch social fund allocations funded by the 'Haut degré de solidarité' contributions.
• Sur-mesure Branch-Specific Regimes Customized social protection regimes (Santé and Prévoyance) co-constructed with social partners for each of 17 professional branches, including pharmaceutical industry, notariat, pharmacies d'officine, distribution pharmaceutique, boucherie, notariat, golf, and others. Each regime is tailored to the specific risks and conventional obligations of its branch.

Quantifiable outcome

• 738M€ in premiums collected in 2024, serving 35,800 companies and 808,000 beneficiaries
• +1 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature5 records

Partnerships

Seven partnerships are on record, tiered core, major and minor.

• Covea (SGAM)coreStrategic or Co-development Partner · 1 January 2011In 2011, APGIS affiliated with SGAM Covea (which groups insurance mutuals GMF, MAAF, and MMA) to pursue its development while maintaining control of its strategy and costs. Covea provides a broader institutional framework while APGIS retains its operational autonomy.
• AxacoreStrategic or Co-development PartnerFor the pharmaceutical industry branch (IDCC 176), APGIS and Axa are the organisms recommended by social partners for health and prévoyance coverage. They co-offer coverage for the industry branch since 1992.
• AllianzcoreStrategic or Co-development PartnerFor the pharmaceutical distribution branch (IDCC 1621) and pharmaceutical industry (IDCC 176), APGIS and Allianz are the recommended organisms for health and prévoyance coverage. They co-offer coverage for these professional branches.
• SantéclairmajorTechnology or IntegrationSantéclair provides the health services platform used by APGIS beneficiaries including teleconsultation, second medical opinion, care network access, and quote analysis for optics, dental, and hearing aids.
• OCIRPminorStrategic or Co-development PartnerOCIRP provides the 'Vivre après' (Living after) program for Cristal, Verre et Vitrail branch, offering information and support for families after a policyholder's death when the company subscribes to education annuity coverage.
• Experts-comptables (Accountants)majorChannel Partner/ Reseller/ DistributorAccountants are channel partners who can manage protection sociale for their business clients through a dedicated secure space. They help companies manage compliance and administrative tasks related to health and prévoyance coverage.
• Professionnels de santé (Health Professionals)majorChannel Partner/ Reseller/ DistributorHealth professionals (doctors, pharmacists, etc.) partner with APGIS for third-party payment (tiers payant) services, enabling fluid payments and reimbursements. The partnership includes access to care networks and services.

Scale indicators6 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• AG2R La Mondiale: AG2R La Mondiale is a large French social protection group offering health insurance, pr\u00e9voyance, savings, and retirement to individuals and enterprises. It directly competes with APGIS in group health and pr\u00e9voyance for professional branches in France.
• Klesia: Klesia is a major French institution de pr\u00e9voyance and social protection group serving professional branches with health, pr\u00e9voyance, and retirement products. It is the closest direct peer to APGIS in terms of legal form, branch-based B2B model, and paritarian governance.
• Harmonie Mutuelle: Harmonie Mutuelle is a major French mutual health insurer serving individuals and enterprises with group health and welfare products. It is a direct competitor to APGIS in the French group health and pr\u00e9voyance market.
• Malakoff Humanis: Malakoff Humanis is a leading French social protection group formed from the merger of Malakoff M\u00e9d\u00e9ric and Humanis, providing group health and pr\u00e9voyance to enterprises. Like APGIS, it serves professional branches with paritarian governance and competes in many of the same vertical markets.

Regional players

• Pro BTP: Pro BTP is the social protection group dedicated to the French construction (BTP) sector, providing health, pr\u00e9voyance, and retirement to construction enterprises and employees. Comparable to APGIS as a branch-specific group health/pr\u00e9voyance provider, but focused on a single sector.
• Audiens: Audiens is the French social protection group dedicated to culture, media, and entertainment professionals, providing health, pr\u00e9voyance, and welfare services. Comparable to APGIS in its branch-specific paritarian social protection model.

Broad incumbents

• GMF (Covea group): GMF is one of the Covea-affiliated French insurance mutuals offering group and individual health, pr\u00e9voyance, and P&C products. As a sister entity to APGIS within SGAM Covea, it is a relevant internal benchmark and a competitor in the French market.
• Allianz France: Allianz France is a major broad-line insurer with significant group health and pr\u00e9voyance franchises. Allianz is co-recommended with APGIS in pharmaceutical industry and distribution branches, competing head-to-head for branch-mandated coverage.
• AXA France: AXA France is one of France's largest insurers offering group health, pr\u00e9voyance, and broader protection products. AXA is explicitly co-recommended with APGIS in the pharmaceutical industry branch (IDCC 176), making it a direct competitor for APGIS's core customers.
• SwissLife France:

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/apgis_ip

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 APGIS