OCIRP

What OCIRP does

OCIRP (Organisme commun des institutions de rente et de prévoyance) is a French union of prévoyance institutions founded in 1967 and headquartered at 17 rue de Marignan, Paris. It is a non-profit, paritarian organization (jointly managed by employer and employee representatives) operating under the French Social Security Code and supervised by the ACPR. Its core function is to deliver collective and individual prévoyance coverage addressing four risk categories: death (protecting surviving spouses and orphaned children), loss of autonomy (dependency, including a lifelong viager contract with no medical questionnaire for subscribers up to age 75), dread diseases, and related social-support needs. OCIRP distributes these guarantees indirectly through member institutions de prévoyance and 126 professional branches, covering approximately 8 million insured persons across 1.3 million member enterprises.

The product portfolio centers on OCIRP Garanties (death, loss of autonomy, dread-disease coverage), a suite of pension products (Rente Conjoint, Rente Éducation, Rente Handicap, Rente Dépendance, Rente Maladie Redoutée), and a personalized social-support service. Complementing the insurance core are sub-brands and platforms: Aglaée, a care-management solution for loss of autonomy launched in 2025; Dialogue & Solidarité, an association for bereavement support; Fondation OCIRP 'Au cœur des familles', a corporate foundation supporting over 350 projects; Haut Degré de Solidarité (HDS) for branche-level solidarity fund coordination; the Lab OCIRP Autonomie think tank; the Observatoire OCIRP Salariés Aidants annual research program; the Espace Dépendance portal; and OCIRP Vie, a life-insurance entity. Distribution relies on indirect channels via member institutions and professional branches, with sales-led account management for enterprise and branche contracts and a direct channel for the individual and self-employed market.

Revenue is generated through recurring subscription premiums paid by enterprises, professional branches, and individual subscribers, with no public pricing disclosed. The organization is led by Pierre Mie (Président) and Marie-Anne Montchamp (Directrice générale since 2022), with wholly-owned operating subsidiaries OCIRP Partenaires Services (managing Aglaée), Dialogue & Solidarité, and Fondation OCIRP. Strategic activity in 2024-2026 has emphasized product extension (Aglaée), thought leadership (Lab OCIRP Autonomie, Observatoire Salariés Aidants), and partnerships with Institut 4.10, Viavoice, Aidant Attitude, Cap Handéo, FICIME, and Colette, positioning OCIRP around the French employee-caregiver and autonomy policy agenda.

Name

OCIRP

Legal name

Organisme commun des institutions de rente et de prévoyance

Website

https://ocirp.fr

Company type

Private

Founded year

1967

Operating status

Operating

Headcount range

101–250 employees

Short description

OCIRP is a French non-profit, paritarian union of prévoyance institutions founded in 1967, providing collective and individual insurance coverage for death, loss of autonomy, and dread diseases to 8 million insured persons across 1.3 million member enterprises and 126 professional branches.

Ownership category

akta.pro rank

Product category

Social Protection Insurance

NAICS

Health and Welfare Funds (525120), Insurance and Employee Benefit Funds (5251), Services for the Elderly and Persons with Disabilities (62412), Home Health Care Services (62161)

SIC

Life Insurance (6311), Insurance Agents, Brokers & Service (6411), Services-Home Health Care Services (8082), Services-Social Services (8300)

akta.pro primary industry

Group Variable Universal Life (GVUL) (FSAIADAD)

akta.pro secondary industries

Personal Care & ADL Assistance (bathing, dressing, toileting, mobility) (HLADAGAA), Group Disability Income Insurance (Employer-Sponsored) (FSAIAIAB)

Keywords

• Collective prévoyance insurance
• Social protection services
• Paritarian insurance union
• Loss of autonomy coverage
• Employee benefits insurance

Headquarters

HQ city

Paris

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, Infrastructure, Others

Revenue model

1. Prévoyance collective premiums: OCIRP provides collective prévoyance insurance products covering death, loss of autonomy, and serious illness. Premiums are paid by enterprises and professional branches to cover their employees and members. Benefits include pensions (rentes) and capital payments to beneficiaries.
2. Individual prévoyance contracts: For individuals and self-employed persons, OCIRP offers specific prévoyance contracts for loss of autonomy (dépendance) with monthly viager pensions (rentes mensuelles viagères). Subscribers pay fixed contributions until age 75 without medical questionnaire.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

OCIRP is a non-profit, paritarian union of prévoyance institutions that provides collective social protection insurance covering death (protection for surviving spouses and orphaned children), loss of autonomy (dependency, including a unique lifelong viager contract), and serious or dreaded illnesses. The union delivers corresponding pension products (Rente Conjoint, Rente Éducation, Rente Handicap, Rente Dépendance, Rente Maladie Redoutée) and pairs them with personalized social support services (psychological support, administrative assistance, school help for orphans, care management). Coverage is distributed through member institutions and 126 professional branches to enterprises and employees, with a separate direct channel for individuals and self-employed.

Product overview

OCIRP Union is an insurance union offering comprehensive provident and social protection products. The core offerings include OCIRP Garanties covering three main risk categories: death (protecting surviving spouses and orphaned children), loss of autonomy (dependency coverage via a unique lifelong viager contract), and dread diseases. OCIRP provides various pension products (Rente Conjoint, Rente Éducation, Rente Handicap, Rente Dépendance, Rente Maladie Redoutée) and personalized social support services. The product portfolio also includes Aglaée (a care management platform), Dialogue & Solidarité (bereavement support), Haut Degré de Solidarité (solidarity fund coordination), the corporate Foundation OCIRP, Lab OCIRP Autonomie® (think tank), and the Observatoire OCIRP Salariés Aidants® (employee caregiver research). Products are distributed through OCIRP Partenaires Services and OCIRP Vie entities.

Differentiator

Problem solved

Functional benefit

Brands

• Lab OCIRP Autonomie®: Laboratoire d'idées et think tank dédié à l'autonomie et au vieillissement, explorant des sujets comme l'écologie du soin et les salariés aidants
• Impulsions
• Aglaée
• Haut Degré de Solidarité (HDS)
• Observatoire OCIRP Salariés Aidants®
• Espace Dépendance
• OCIRP Vie

Products and services

• OCIRP Garanties - Décès Collective prévoyance insurance coverage for death, providing protections for surviving spouses and orphaned children and delivering financial means to beneficiaries facing loss of a primary earner. Sold through member institutions de prévoyance to enterprises for their employees.
• OCIRP Garanties - Perte d'autonomie Collective prévoyance insurance coverage for loss of autonomy (dependency), offering solutions for dependent employees and for those with dependent family members. Distributed through member institutions to enterprises for employee benefit programs.
• OCIRP Garanties - Maladies redoutées Prévoyance coverage for serious or chronic illnesses (maladies redoutées) that require prolonged and costly treatments, providing financial responses and personalized support for affected employees. Sold collectively to enterprises.
• OCIRP Garantie Dépendance - Contrat Viager

Named customers3 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

16 partnerships are on record, tiered core and minor.

• Dialogue & SolidaritécoreStrategic or Co-development PartnerAssociation created in 2004 that provides support to persons who have lost a spouse. Naturally integrated into the OCIRP Foundation. Offers grief support, listening services, and psychological assistance for bereaved families.
• Fondation OCIRPcoreStrategic or Co-development PartnerCorporate foundation 'Au cœur des familles' created in 2009, celebrating 15 years in 2024. Supports projects for orphans, disability, and caregiving. Has supported over 350 projects and launches annual calls for projects like 'Graines d'autonomie' and 'Écologie du soin'.
• OCIRP Partenaires ServicescoreImplementation/ SI/ Consulting PartnerEntity that manages the Aglaée service, an innovative solution simplifying daily life for persons affected by loss of autonomy and their relatives. Provides coordinated and personalized accompaniment through care managers.
• VIAVOICEminorStrategic or Co-development PartnerResearch partner for the annual Observatoire OCIRP Salariés Aidants survey. Conducts quantitative and qualitative studies on employee caregivers in France.
• Institut 4.10minorStrategic or Co-development PartnerTraining partner for the 'Accompagner les salariés aidants' program that sensitizes organizations to the reality of employee caregivers. Award-winning program including VR immersive content developed with Reverto.
• Aidant AttitudeminorStrategic or Co-development PartnerFonds de dotation and patronage organization for supporting companies in caregiver accompaniment. Founded by Pierre Denis, focuses on human connection and bridging administrative and human aspects.
• LISA - Laboratoire d'idées Santé AutonomieminorStrategic or Co-development PartnerThink tank on health and autonomy policy. Co-organized with OCIRP a seminar series of 15 sessions on 'Politique de l'autonomie : à rénover de fond en comble'. President: Stéphane Le Bouler.
• ESAT VivreminorOthersPartnership for inclusive Christmas trees, supporting employment and inclusion of workers with disabilities. OCIRP purchases solidarity-made Christmas trees and decorations.
• La Fabrique de la SolidaritéminorOthersPartnership for collection of solidarity Christmas boxes (boîtes de Noël solidaires) destined for children in precarious situations.
• FICIME (Fédération des entreprises internationales de la mécanique et de l'électronique)minorStrategic or Co-development PartnerProfessional federation that has identified emerging challenges such as supporting employee caregivers and responds through Aglaée deployment. Cited as validation of the device's comprehensive offering.
• Colette (startup)minorStrategic or Co-development PartnerStartup specialized in intergenerational cohabitation, matching young people with elderly hosts. Partnered with OCIRP for Lab OCIRP Autonomie event on May 19, 2026. Has 1,000 hosts and thousands of hosted young people.
• ANDRH - Association Nationale des DRHminorStrategic or Co-development PartnerNational association of HR directors, partner for the Observatoire OCIRP Salariés Aidants research program.
• HandéominorStrategic or Co-development PartnerOrganization supporting the Cap Handéo label for companies committed to employees with disabilities. Partner for Observatoire OCIRP studies and employer best practices.
• Observatoire de la Responsabilité Sociétale des Entreprises (ORSE)minorStrategic or Co-development PartnerCSR observatory, partner for Observatoire OCIRP Salariés Aidants research program.
• La Compagnie des AidantsminorStrategic or Co-development PartnerCaregiver support association, partner for JNA2023 event and research program.
• Cap HandéominorStrategic or Co-development PartnerLabel for companies committed to employees with disabilities. The 2024 Observatoire OCIRP featured experiences of labeled companies (Banque Populaire Val de France, Groupe Servier, Schneider Electric, Sncf, Navette&Voyages).

Scale indicators4 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Henner: French group specializing in health and protection insurance, including international mobility. Comparable to OCIRP's group prévoyance and health-adjacent offerings, though with a stronger B2B international focus and less paritarian structure.

Direct peers

• Klesia: French paritarian prévoyance and retirement group serving enterprises through employer-sponsored schemes. Closely comparable to OCIRP in paritarian governance, B2B distribution, and product mix including death, dependency, and disability coverage.
• Pro BTP: French paritarian group dedicated to construction-sector prévoyance, santé, retraite and épargne. Comparable to OCIRP's professional-branch model and employer-sponsored distribution, focused on a specific vertical.
• APICIL: French paritarian group in prévoyance, retraite, santé and épargne serving individuals and enterprises. Comparable in employer-sponsored prévoyance, dependency products, and paritarian mutualist structure.
• Audiens: French paritarian social protection group dedicated to culture, communication and entertainment sectors. Comparable in branch-level prévoyance model and paritarian governance focused on specific professional sectors.
• AG2R La Mondiale: Major French paritarian group offering retraite, prévoyance, épargne and assurance. Comparable in employer-sponsored group prévoyance, paritarian structure, and broad social-protection product portfolio covering death, dependency, and disability.
• Malakoff Humanis: Leading French paritarian social protection group (formed via merger of Malakoff Médéric and Humanis) covering prévoyance, santé, retraite and épargne. Directly comparable to OCIRP in target market (enterprises and branches) and core risk coverage.
• B2V (Gestion-Prévoyance-Retraite): French paritarian group offering prévoyance, retraite and épargne across multiple professional branches. Highly comparable to OCIRP's branch-coverage approach and paritarian governance model.

Broad incumbents

• CNP Assurances: Major French personal insurance provider (life, prévoyance, retirement) with strong ties to public-sector and partner-distribution networks. Comparable to OCIRP in life and dependency coverage, though with broader commercial distribution and post-La Poste ownership.
• AXA France: One of France's largest general insurers, offering life, health, prévoyance and dependency products at scale. Comparable as a broad incumbent in the French prévoyance/dependency market, though with a commercial (not paritarian) structure and much wider product breadth.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/ocirp
• YouTubeyoutube.com/channel/UCc_DIoTRpTIsliekINQu8sQ
• LinkedInlinkedin.com/company/ocirp
• Instagraminstagram.com/ocirp
• Facebookfacebook.com/FondationOCIRP

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries3 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 OCIRP