IRCEM GROUPE
IRCEM Groupe is a French mutual social protection group managing complementary retirement, foresight, and health insurance for over 5 million employees, employers, childcare assistants, and retirees of the home employment sector under the IDCC 3239 collective agreement, with a headcount of about 450.
- Company typePrivate
- Founded1973
- HeadquartersRoubaix, France
- Headcount101–250
- GTM typeB2C
- OfferingServices
What IRCEM GROUPE does
IRCEM Groupe is a French mutual social protection group headquartered in Roubaix and founded in 1973 to manage complementary retirement for employees of the personal services and home employment sector. Operating under paritary governance with representatives from employer and employee organizations, the group is structured around three core operating institutions — IRCEM Retraite (1973, supplementary retirement under AGIRC-ARRCO supervision), IRCEM Prévoyance (1994, collective foresight insurance under the Code de la Sécurité Sociale), and IRCEM Mutuelle (2001, complementary health insurance under the Code de la Mutualité) — together with the Fondation d'Entreprise IRCEM (2013). It serves employees, private employers, childcare assistants (assistants maternels), and retirees of the home employment sector in France, managing over 5 million client accounts and operating with a headcount of approximately 450 collaborators across Roubaix, Gennevilliers, and Paris.
The product portfolio spans four subscription insurance lines — Garantie Santé (complementary health insurance from €20/month with Essentiel, Tranquillité, and Premium tiers), Garantie Accident (accident insurance from €10/month), Garantie Obsèques (funeral insurance from €8.45/month with €3,000–€7,000 capital), and Garantie Responsabilité Civile Professionnelle (mandatory professional liability for childcare assistants from €3.20/month, covering up to €6M bodily injury). The underlying technology is a social protection management platform comprising an Espace Client web portal, iOS/Android mobile applications for employers and members, an online quotation engine, automated tele-transmission of daily-allowance declarations from Social Security (PREST'IJ), and integration with WHO's ICOPE preventive-health program. Additional digital services include the Ernest anti-scam digital companion and the IRCEM+ remote-support platform.
IRCEM's business model rests on recurring monthly subscription premiums across its insurance SKUs, supplemented by mandatory sector-wide contributions collected under the National Collective Agreement (IDCC 3239) via URSSAF. Go-to-market is primarily direct-to-consumer via the website, phone support (0 980 980 990), the regional Tour de France event series, the Parlons Petite Enfance podcast, and accessibility services through Acceo. Distribution is reinforced by channel partners including Direct Assurance (AXA group) for auto and home insurance and France Emploi Domicile for in-person assistance. Revenue is not publicly disclosed, consistent with the mutual's paritary, non-listed structure governed by the Code de la Mutualité and Code de la Sécurité Sociale.
IRCEM GROUPE firmographics
Firmographics- Name
- IRCEM GROUPE
- Legal name
- IRCEM GROUPE
- Website
- https://ircem.com
- Company type
- Private
- Founded year
- 1973
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- IRCEM Groupe is a French mutual social protection group managing complementary retirement, foresight, and health insurance for over 5 million employees, employers, childcare assistants, and retirees of the home employment sector under the IDCC 3239 collective agreement, with a headcount of about 450.
- Ownership category
- akta.pro rank
IRCEM GROUPE industry classification
Industry- Product category
- Social Protection Insurance and Pensions
- NAICS
- Health and Welfare Funds (525120), Pension Funds (525110), Insurance and Employee Benefit Funds (5251)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)
- akta.pro secondary industry
- Self-Funded (ERISA) Employer Plans (HLAEAAAC)
Keywords
Where IRCEM GROUPE is headquartered
LocationHeadquarters
- HQ city
- Roubaix
- HQ country
- France
- HQ region
- Europe
Offices3 records
Markets served
IRCEM GROUPE business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Others
Revenue model
- Health Insurance Premiums (IRCEM Mutuelle): Complementary health insurance premiums for individuals, with three coverage levels (Essentiel, Tranquillité, Premium) covering medical expenses, hospitalization, dental, optical, and preventive care
- Accident Insurance Premiums: Insurance premiums for accident coverage providing daily hospitalization allowances and capital for fractures or burns, with optional accidental death coverage
- Funeral Insurance Premiums (Garantie Obsèques): Funeral expense insurance with guaranteed capital of €3,000 to €7,000 for covering funeral costs, with 24/7 assistance services
- Professional Liability Insurance (RC Professionnelle): Mandatory professional liability insurance for childcare assistants, covering bodily injury, property damage, and legal defense costs
- Retirement Management (IRCEM Retraite): Complementary retirement management for home services sector employees, managing retirement accounts and points
- Foresight/Providence Management (IRCEM Prévoyance): Collective foresight insurance for incapacity, invalidity, and death coverage for home sector employees, funded by employer and employee contributions
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Health insurance starting at €20.00/month with three coverage levels |
| Subscription | Monthly | Accident insurance starting at €10.00/month with three coverage formulas |
| Subscription | Monthly | Funeral insurance starting at €8.45/month with capital from €3,000 to €7,000 |
| Subscription | Monthly | Professional Liability Insurance for childcare assistants starting at €3.20/month |
Go-to-market motion2 records
Distribution channels6 records
Marketing channels8 records
IRCEM GROUPE product offering
Product offeringCore offering
IRCEM GROUPE is a French non-profit mutual social protection group dedicated to the home employment sector, delivering supplementary health, accident, funeral, and professional liability insurance together with mandatory and supplementary retirement management. Operating through three specialized entities — IRCEM Retraite (1973), IRCEM Prévoyance (1994), and IRCEM Mutuelle (2001) — it serves over 5 million individual clients comprising employees, employers, and retirees active in or connected to home-based work.
Product overview
IRCEM GROUPE is a social protection group for the home employment sector comprising three core institutions: IRCEM Retraite (supplementary pension management established 1973), IRCEM Prévoyance (collective insurance for illness/accident/disability established 1994), and IRCEM Mutuelle (supplemental health insurance established 2001). The product portfolio includes health insurance (Garantie Santé), accident insurance (Garantie Accident), funeral insurance (Garantie Obsèques), and professional liability insurance for childcare assistants (Garantie RC Professionnelle). Digital services include the IRCEM+ support platform, the Ernest anti-scam digital companion, and mobile applications. A partner offering through Direct Assurance provides auto and home insurance. Services integrate with healthcare networks (Itelis, Angel), assistance providers (AXA, FILASSISTANCE), and accessibility tools (Acceo).
Differentiator
Problem solved
Functional benefit
Brands
- IRCEM Retraite: Complementary retirement management for employees working for private individuals and families, managing over 5 million retirement accounts
- IRCEM Prévoyance
- IRCEM Mutuelle
- Fondation d'Entreprise IRCEM
- IRCEM+
- Ernest
- IRCEM Action Sociale
Products and services
- IRCEM Retraite (Retirement Management)
Quantifiable outcome
- Over 5 million managed client accounts
- +2 more outcomes
Companies that use IRCEM GROUPE
Customer profileNamed customers4 records
Segments4 records
Ideal customer profiles2 records
IRCEM GROUPE technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration7 records
AI capability3 records
Feature4 records
IRCEM GROUPE partnerships and signals
Strategic signalPartnerships
16 partnerships are on record, tiered core, major, supportive and minor.
- Agirc-ArrcocoreAgirc-Arrco is the federated organization managing complementary retirement for the private sector in France. IRCEM Retraite operates under their supervision and manages sector-specific retirement accounts. The partnership includes joint service centers and coordinated information systems.
- France Emploi DomicilecoreNational network providing information and support services to home employment sector workers across France, with regional spaces for face-to-face assistance.
- FEPEM (Fédération des Particuliers Employeurs)coreProfessional federation representing private employers in France, contributing to collective agreement negotiations and sector representation.
- Direct AssurancemajorExclusive partnership offering IRCEM members discounted auto and home insurance: €100 refund on auto insurance, €50 refund on home insurance. Direct Assurance is a subsidiary of AXA Group.
- AcceosupportiveAccessibility solution providing French Sign Language translation and real-time speech transcription for hearing-impaired clients, available via tablet, smartphone, and computer.
- AXA (via AXA France Assistance)supportiveAXA provides 24/7 assistance services included with health insurance, covering hospitalization, immobilization support, home help, and repatriation.
- JURIDICA (AXA subsidiary)supportiveLegal protection insurance included with health coverage, covering medical recourse, physical integrity, medical consumption, and social benefits disputes.
- Itelis Healthcare NetworksupportiveHealthcare network providing preferential pricing on optical, dental, and hearing services for IRCEM health insurance members.
- Angel ServicessupportiveCare services including medical teleconsultation, second medical opinions, prevention programs, and psychological support included with health insurance.
- FILASSISTANCE INTERNATIONALsupportiveAssistance services provider for funeral insurance, covering 24/7 telephone assistance, funeral operator research support, and family accompaniment before and after death.
- CRESUSsupportiveBudgetary support partnership providing free individual accompaniment for clients facing financial difficulties, covering budgetary, fiscal, social, and legal domains.
- Ernest Digital PlatformsupportiveInteractive digital companion helping IRCEM members identify and understand online situations to protect against scams and navigate digital safely.
- IHU Toulouse / ICOPE ProgramsupportiveHealth program partnership joined in April 2024, supporting WHO's ICOPE approach to monitoring and strengthening functional capacities in aging, focused on cognition, nutrition, vision, hearing, psychology, social support, mobility, and continence.
- IperiaminorProfessional institute for home services sector training and development.
- URSSAFcoreSocial contributions collection organization through which IRCEM Prévoyance collects foresight contributions from employers and employees in the sector.
- FMF (Fédération des Mandataires)minorFederation representing mandated childcare services providers.
Scale indicators4 records
Recent moves6 records
Expansion highlights6 records
IRCEM GROUPE competitors and assessment
Company assessmentDirect peers
- KLESIA: French mutual social protection group providing retirement, providence, and health cover to specific professional sectors (agriculture, food, etc.). Highly comparable to IRCEM as a paritary mutual managing sector-mandated benefits under French collective agreements.
- PRO BTP: French mutual social protection group serving the construction industry, providing retirement, health, providence, and savings. Closest analogue to IRCEM's sector-specific mutual model, dedicated to a single employment vertical.
- Audiens: French mutual social protection group for culture, media, and entertainment sector workers. Comparable to IRCEM as a designated provider of retirement and providence cover for a defined professional sector under collective agreement.
- AG2R La Mondiale: Large French mutual group offering complementary retirement, providence, and health insurance to individuals and corporate clients. Comparable mutual governance and product set; broader sector coverage than IRCEM but same fundamental business model.
- Malakoff Humanis: Major French paritary social protection group formed via merger, providing retirement, providence, and health to corporates and individuals. Directly comparable in scale, mutual governance, and multi-product structure to IRCEM.
Broad incumbents
- CNP Assurances: Major French life and personal protection insurer with strong position in collective retirement and providence schemes. Comparable product set but broader and publicly listed; provides benchmark for sector valuations and product pricing.
- AXA France: French arm of global insurer and a key IRCEM partner via Direct Assurance (auto/home) and AXA Assistance. Competes indirectly in health, accident, and providence through individual and group products in France.
- Vyv (VYV Coopération): Leading French mutual health insurance group offering health, providence, and care services broadly across France. Larger than IRCEM with horizontal rather than sector-vertical strategy, but overlapping insurance products and mutual governance.
Others
- FEPEM: Fédération des Particuliers Employeurs, the federation representing private employers of the home-employment sector. A core strategic partner of IRCEM in collective bargaining and sector representation rather than a competitor in insurance.
- AGIRC-ARRCO: Federated body overseeing all French complementary retirement schemes; IRCEM Retraite operates under its supervision. Not a competitor but the structural counterparty IRCEM depends on for designation and information systems.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
IRCEM GROUPE social profiles
Digital presenceIRCEM GROUPE compliance and trust
Trust signalCompliance1 record
IRCEM GROUPE financial estimates
Financial estimateRevenue estimate
Valuation estimate
IRCEM GROUPE leadership team
Management profileNumber of profiles
IRCEM GROUPE subsidiaries and ownership
Company hierarchySubsidiaries4 records
IRCEM GROUPE funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
IRCEM GROUPE M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about IRCEM GROUPE
What does IRCEM GROUPE do?
IRCEM GROUPE is a French non-profit mutual social protection group dedicated to the home employment sector, delivering supplementary health, accident, funeral, and professional liability insurance together with mandatory and supplementary retirement management. Operating through three specialized entities — IRCEM Retraite (1973), IRCEM Prévoyance (1994), and IRCEM Mutuelle (2001) — it serves over 5 million individual clients comprising employees, employers, and retirees active in or connected to home-based work.
Is IRCEM GROUPE a public or private company?
IRCEM GROUPE is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was IRCEM GROUPE founded?
IRCEM GROUPE was founded in 1973. It employs 101 to 250 people.
Where is IRCEM GROUPE based?
IRCEM GROUPE is headquartered in Roubaix, France, in the Europe region.
How does IRCEM GROUPE make money?
Six revenue lines are on record. Health Insurance Premiums (IRCEM Mutuelle) is the primary driver. The others are accident Insurance Premiums, funeral Insurance Premiums (Garantie Obsèques), professional Liability Insurance (RC Professionnelle), retirement Management (IRCEM Retraite) and foresight/Providence Management (IRCEM Prévoyance).
Who are IRCEM GROUPE's main competitors?
Direct peers on record are KLESIA, PRO BTP, Audiens, AG2R La Mondiale and Malakoff Humanis. Broad incumbents are CNP Assurances, AXA France and Vyv (VYV Coopération). Others are FEPEM and AGIRC-ARRCO.
Does IRCEM GROUPE have an API?
No public API is recorded for IRCEM GROUPE.
What industry is IRCEM GROUPE in?
IRCEM GROUPE's product category is Social Protection Insurance and Pensions. Its primary akta.pro industry code is FSAIAFAH, Association & PEO Group Health Plans (AHP/PEO-Sponsored), with a secondary code of HLAEAAAC, Self-Funded (ERISA) Employer Plans. Its NAICS code is 525120 and its SIC code is 6411.