IRCEM GROUPE

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.

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

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

• Home employment social protection
• Supplementary pension scheme
• Complementary health insurance
• Personal accident insurance
• Funeral expense insurance

Headquarters

HQ city

Roubaix

HQ country

France

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. 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
2. Accident Insurance Premiums: Insurance premiums for accident coverage providing daily hospitalization allowances and capital for fractures or burns, with optional accidental death coverage
3. 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
4. Professional Liability Insurance (RC Professionnelle): Mandatory professional liability insurance for childcare assistants, covering bodily injury, property damage, and legal defense costs
5. Retirement Management (IRCEM Retraite): Complementary retirement management for home services sector employees, managing retirement accounts and points
6. 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

Go-to-market motion2 records

Distribution channels6 records

Marketing channels8 records

Core 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

Named customers4 records

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

AI capability3 records

Feature4 records

Partnerships

16 partnerships are on record, tiered core, major, supportive and minor.

• Agirc-ArrcocoreStrategic or Co-development PartnerAgirc-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 DomicilecoreStrategic or Co-development PartnerNational 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)coreStrategic or Co-development PartnerProfessional federation representing private employers in France, contributing to collective agreement negotiations and sector representation.
• Direct AssurancemajorGTM or Marketing PartnerExclusive 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.
• AcceosupportiveTechnology or IntegrationAccessibility 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)supportiveTechnology or IntegrationAXA provides 24/7 assistance services included with health insurance, covering hospitalization, immobilization support, home help, and repatriation.
• JURIDICA (AXA subsidiary)supportiveTechnology or IntegrationLegal protection insurance included with health coverage, covering medical recourse, physical integrity, medical consumption, and social benefits disputes.
• Itelis Healthcare NetworksupportiveTechnology or IntegrationHealthcare network providing preferential pricing on optical, dental, and hearing services for IRCEM health insurance members.
• Angel ServicessupportiveTechnology or IntegrationCare services including medical teleconsultation, second medical opinions, prevention programs, and psychological support included with health insurance.
• FILASSISTANCE INTERNATIONALsupportiveTechnology or IntegrationAssistance services provider for funeral insurance, covering 24/7 telephone assistance, funeral operator research support, and family accompaniment before and after death.
• CRESUSsupportiveStrategic or Co-development PartnerBudgetary support partnership providing free individual accompaniment for clients facing financial difficulties, covering budgetary, fiscal, social, and legal domains.
• Ernest Digital PlatformsupportiveTechnology or IntegrationInteractive digital companion helping IRCEM members identify and understand online situations to protect against scams and navigate digital safely.
• IHU Toulouse / ICOPE ProgramsupportiveStrategic or Co-development PartnerHealth 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.
• IperiaminorChannel Partner/ Reseller/ DistributorProfessional institute for home services sector training and development.
• URSSAFcoreChannel Partner/ Reseller/ DistributorSocial contributions collection organization through which IRCEM Prévoyance collects foresight contributions from employers and employees in the sector.
• FMF (Fédération des Mandataires)minorChannel Partner/ Reseller/ DistributorFederation representing mandated childcare services providers.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct 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

• YouTubeyoutube.com/playlist?list=PLGidyu-GUd58OlsSVwGJJQwpBEyDTmamM
• Facebookfr-fr.facebook.com/GroupeIrcem
• LinkedInlinkedin.com/company/groupe-ircem
• Instagraminstagram.com/ircem_petite_enfance

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Subsidiaries4 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 IRCEM GROUPE