UNIM

What UNIM does

UNIM (Union Nationale pour les Intérêts de la Médecine) is a French non-profit association established under French Law of 1908, founded circa 1976-1980 and headquartered in Metz, France. It operates exclusively to serve medical and paramedical professionals — including liberal physicians, dental surgeons, pharmacists, veterinarians, nurses, physiotherapists, and 45+ other paramedical professions — by providing health, provident, borrower, and group practice insurance tailored to the specific risks of healthcare practice. The association is governed by a volunteer board of healthcare professionals, with all major contract decisions made at the Annual General Assembly, and a Paritary Medical Commission oversees disability assessments.

The association's product portfolio is built on two pillars: proprietary UNIM-branded products (Complémentaire Santé Individuelle/Collective, Prévoyance, Assurance Emprunteur, and Garantie des Associés de Cabinet de Groupe) underwritten through Allianz, and a catalog of partner-distributed Allianz products including home, auto, motorcycle, legal protection, retirement savings, and daily-life accident insurance. Members access services through a website portal (unim.asso.fr), dedicated personal spaces, phone support, and a nationwide network of 3,300-4,000+ advisors. The association also runs UNIM TV, an educational content platform with approximately 200 replays covering health prevention, professional practices, and innovation, and hosts the annual Master des Professionnels de Santé golf competition.

UNIM generates revenue through subscription insurance premiums on its own products and referral commissions from Allianz products distributed to its member base. Members access preferential group rates negotiated through collective purchasing power, with pricing structured around product-specific formulas (e.g., four tiers from Eco to Premium for individual health coverage). The association refers members to professional retirement funds (CARMF, CARCDSF, CARPIMKO, CAVP, CARPV) and targets its offering through a sales-led, community-driven go-to-market model aimed at the full lifecycle of healthcare professionals — from student through employer status. Operational website production is handled by Assurances Médicales SA, though UNIM maintains full independence as a member-controlled association.

Name

UNIM

Legal name

UNIM (Union Nationale pour les Intérêts de la Médecine)

Website

https://unim.asso.fr

Company type

Private

Founded year

1980

Operating status

Operating

Headcount range

1–10 employees

Short description

UNIM is a French non-profit association founded circa 1976-1980 that exclusively provides health, provident, borrower, and group-practice insurance to medical and paramedical professionals across France, leveraging a partnership with Allianz for underwriting.

Ownership category

akta.pro rank

Product category

Professional Insurance for Healthcare Professionals

NAICS

Direct Health and Medical Insurance Carriers (524114), Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Life, Health, and Medical Insurance Carriers (52411)

SIC

Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411), Insurance Carriers, Nec (6399), Life Insurance (6311)

akta.pro primary industry

Association & PEO Group Health Plans (AHP/PEO-Sponsored) (FSAIAFAH)

akta.pro secondary industries

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD), Ancillary & Supplemental Health Products (Accident/Critical Illness/Hospital Indemnity) (HLAEABAJ)

Keywords

• Medical professional insurance
• Health insurance plans
• Provident insurance coverage
• Borrower insurance policies
• Collective health insurance

Headquarters

HQ city

Metz

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Premiums - UNIM Products: UNIM generates revenue through insurance premiums for its own products including santé (health), prévoyance (protection), and assurance emprunteur (borrower insurance) specifically designed for medical professionals. These are subscription-based premiums collected from members.
2. Allianz Insurance Distribution: UNIM distributes Allianz insurance products (habitation, auto, épargne retraite, prévoyance collective) to its member base, earning commissions or referral fees from Allianz for placing insurance business.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

UNIM operates as an Association Loi de 1908 providing specialized insurance products to healthcare professionals. Its proprietary offerings include individual and collective health complementary insurance (Complémentaire Santé), provident insurance (Prévoyance) covering work stoppage and disability, borrower insurance (Assurance Emprunteur), and group-practice partner coverage (Garantie des Associés de Cabinet de Groupe). It also distributes Allianz home, auto, motorcycle, legal protection, and retirement savings products to its member base at negotiated preferential rates.

Product overview

UNIM is an insurance association for healthcare professionals offering a portfolio of proprietary insurance products (health complementary, provident, borrower, and group cabinet insurance) alongside distributed Allianz insurance products (home, auto, motorcycle, legal protection, retirement, and savings). The UNIM products are specifically designed for medical and paramedical professionals with exclusive features like the Medical Commission for invalidity assessment, while Allianz products provide broader coverage for members at preferential rates negotiated through the partnership.

Differentiator

Problem solved

Functional benefit

Brands

• UNIM TV: A platform centralizing nearly 200 replays dedicated to prevention issues, professional practices, and health innovations to support professionals' monitoring.

Products and services

• UNIM Complémentaire Santé Individuelle Individual health complementary insurance for healthcare professionals offering four formulas (Eco, Confort, Prestige, Premium) plus a Renfort add-on, with coverage for hospitalization, dental, optical, and alternative medicine. Designed for self-employed medical professionals across all healthcare disciplines.
• UNIM Complémentaire Santé Collective Group health insurance complement for medical/dental practice employers to cover employees, with three formulas (Eco, Confort, Prestige), teletransmission with primary health insurance funds, and employer contribution starting at €52/month per employee for staff with average age 35 or under.
• UNIM Garantie des Associés de Cabinet de Groupe Group practice insurance covering death and professional incapacity scenarios for medical practice group partners, enabling surviving partners to buy out shares from beneficiaries and ensure continuity of cabinet operations.
• UNIM Assurance Emprunteur Loan insurance for healthcare professionals covering death, total permanent disability, professional incapacity, and loss of profession, with premium based on age at subscription and remaining fixed throughout loan duration.
• UNIM Prévoyance Comprehensive provident insurance for healthcare professionals covering work stoppage, invalidity from 10% (lowest market threshold), and death, with an exclusive Paritary Medical Commission for invalidity assessment defending member interests.
• Allianz Auto Auto insurance distributed via the UNIM-Allianz partnership with three customizable coverage levels (C1, C2, C3), offering up to 15% reduction for UNIM members and free content option up to €3,000.
• Allianz Conduite connectée Connected driving insurance using TomTom LINK 100 device with smartphone app, offering up to 30% premium reduction based on driving behavior analysis for UNIM members.
• Allianz Moto Two-wheeled vehicle insurance (motorcycle and scooter) with four coverage formulas, offering up to 25% reduction for low-usage profiles and up to 60% reduction when auto insurance is also with Allianz.
• Allianz Habitation Multi-risk home insurance for owners and renters covering property damage and liability, with customizable coverage levels available to UNIM members at preferential rates.
• Allianz Habitation Étudiant Student-specific home insurance with preferential rates, €10,000 furniture coverage, and essential guarantees for fire, water damage, and civil liability, available to healthcare students.
• Allianz Protection Juridique Legal protection insurance included in UNIM annual membership, covering digital risks (e-reputation, hacking, identity theft), shareholder disputes in group practices, tax issues, and debt recovery, with dedicated jurist and partial legal cost coverage.
• Allianz Retraite TNS Retirement savings plan for self-employed professionals (TNS) with Madelin tax advantages, multisupport investment options, and performance securitization features, offered at preferential UNIM member rates.
• Allianz Prévoyance Entreprise Collective provident insurance for small businesses covering death, accident, and work stoppage with modular and customizable coverage options, distributed to UNIM members.
• Allianz Garantie des Accidents de la Vie Daily life accident insurance covering death and disability from 5% or 25% impairment rate, with up to €1 million compensation per person, offered to UNIM members at preferential rates.
• Allianz PERP Popular Retirement Savings Plan (PERP) offering retirement income with tax-deductible contributions and a choice between annuity and partial capital withdrawal, made available to UNIM members.
• Allianz Epargne Salariale Employee savings plan (PEE/PERCO) allowing companies to contribute to employee savings with tax advantages, distributed to UNIM members in their capacity as medical practice employers.

Quantifiable outcome

• Disability rente begins at 10% Invalidité Partielle Permanente - lowest threshold in the market
• +4 more outcomes

Named customers5 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

13 partnerships are on record, tiered core and minor.

• AllianzcoreStrategic or Co-development PartnerAllianz is UNIM's primary insurance partner, providing underwriting for all insurance products distributed to members. As Europe's leading insurer, Allianz provides financial security while preserving UNIM's independence. The partnership offers preferential rates negotiated through group purchasing power and enables product innovation and member services.
• Allianz AssistancecoreTechnology or IntegrationAssistance and Services contract included in annual membership dues, providing comprehensive support including medical secretary services, IT assistance, psychological support, building contractor network, retirement assistance, travel interruption insurance, medical repatriation, vehicle replacement, and teleconsultation services.
• Allianz Protection JuridiquecoreStrategic or Co-development PartnerLegal protection insurance included in annual membership covering digital risks (e-reputation, hacking, identity theft), shareholder disputes in group practices, tax issues, and debt recovery. Includes dedicated jurist and partial coverage of legal costs.
• SEPSADminorGTM or Marketing PartnerSecurity and surveillance service partner offering alarm systems, remote monitoring, and intervention services for members' residences and professional premises. UNIM members receive preferential rates and must mention their UNIM membership.
• HertzminorGTM or Marketing PartnerCar rental partner offering UNIM members preferential rates and 10% additional discount for weekend or vacation rentals in France and Europe.
• Vignobles de LaroseminorGTM or Marketing PartnerWine merchant partner offering UNIM members preferential tariff advantages on wine purchases.
• LorgecminorImplementation/ SI/ Consulting PartnerAccounting firm providing fiscal, accounting, patrimonial, legal, and social hotline services. An accountant is available two half-days per week for member consultations.
• Bureau du GolfminorGTM or Marketing PartnerOrganizer of the Master National de Golf des Professionnels de Santé, an annual golf competition exclusively for healthcare professionals. UNIM is partner for the 12th edition in 2026.
• CARMF (Caisse Autonome de Retraite des Médecins Libéraux)minorOthersRetirement fund for liberal physicians in France. Contact information provided for member reference.
• CARCDSF (Caisse Autonome de Retraite des Chirurgiens Dentistes et des Sages-Femmes)minorOthersRetirement and prévoyance fund for dental surgeons and midwives. Contact information provided for member reference.
• CARPIMKO (Caisse Autonome de Retraite et de Prévoyance des Infirmiers, Masseurs-Kinésithérapeutes, etc.)minorOthersRetirement and prévoyance fund for nurses, physiotherapists, podiatrists, speech therapists, and orthoptists. Contact information provided for member reference.
• CAVP (Caisse d'Assurance Vieillesse des Pharmaciens)minorOthersRetirement fund for pharmacists in France. Contact information provided for member reference.
• CARPV (Caisse Autonome de Retraite et de Prévoyance des Vétérinaires)minorOthersRetirement and prévoyance fund for veterinarians. Contact information provided for member reference.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• AXA France: Major French insurer with extensive health, prévoyance, and group health offerings including dedicated solutions for healthcare professionals. Indirect competitor via breadth and partner-channel reach.
• SwissLife France: French arm of Swiss Life offering life, health, and prévoyance products through professional and individual channels. Overlaps with UNIM on borrower insurance and health segments.
• Harmonie Mutuelle: Leading French health mutual offering complémentaire santé, prévoyance, and collective health plans to individuals, professionals, and employers — including segments in healthcare. Comparable product breadth with broader customer base.
• AG2R La Mondiale: Major French mutual insurer offering health, prévoyance, and retirement products with a specific healthcare-professional offering. Broader incumbent with overlap on UNIM's core products.

Direct peers

• MACSF (Mutuelle d'Assurance du Corps de Santé Français): French mutual insurer serving exclusively medical professionals, offering civil liability, health, prévoyance, and retirement products. Closest association-structure peer to UNIM.
• Henner: French insurance broker and protection specialist serving executives, professionals (including healthcare), and companies with health and prévoyance solutions. Comparable distribution model in the healthcare and professional segments.
• La Médicale: French insurer exclusively dedicated to healthcare professionals offering health, prévoyance, and borrower insurance. Most direct comparable to UNIM's vertical specialization and product mix.
• Mutuelle du Médecin: French mutual health insurer specialized for medical professionals, offering complementary health and prévoyance coverage. Highly comparable vertical focus to UNIM.
• April: French insurance broker and product designer serving individuals, professionals, and SMEs, with strength in health, prévoyance, and borrower insurance. Comparable intermediary-led model targeting French professionals.

Emerging players

• Alan (France): French digital-first health insurance provider expanding into professional and SME segments with a tech-led, fully online experience. Emerging player applying digital disruption to the same broad health/professional segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/UNIM_Asso
• Facebookfacebook.com/unimpplus
• LinkedInlinkedin.com/company/association-unim

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 UNIM