What Agetip does

Agetip S.A. is a French Société Anonyme founded in 1990 that operates as a single third-party payer (payeur unique) for healthcare professionals, transmitting Electronic Health Care Forms (FSE) to mandatory (AMO) and complementary (AMC) health insurance organizations and advancing 95% of expected reimbursements to members upon transmission acknowledgment. The company serves approximately 1,550 pharmacists, physiotherapists, general practitioners, and medical equipment providers across 86 French departments, having processed over 47 million dossiers cumulatively. Its technology layer consists of a web-based concentrateur platform handling FSE transmission, real-time AMC rights verification (Visiodroits), automatic bank reconciliation, rejection management, indus processing, and a payment-guarantee mechanism for claims secured by the Carte Vitale or ADRi — all backed by €6M in own funds and an A1 Banque de France credit rating that underwrite the advance-payment promise. The commercial architecture is a cooperative-owned distribution model: six partner cooperatives (AFL, AGTPM, COGEPHAR, D.P.G.S., SOPROPHAR, SOCOPHARMA) act as caisses d'avance, hold the social capital, and serve as the primary go-to-market channel, while an Espace Adhérent portal and Tiers de Confiance mobile app provide 24/7 member self-service. Revenue is generated via weekly transaction fees set as a percentage of the tiers payant amount recovered, tiered by payment-delay choice (J+2 to J+6/J+7), with rebates on longer delays and an annual productivity rebate; commissions from mutuelles are passed back to members. The company's stated pricing floor reaches €0/month for high-volume professionals on the J+6 formula, consistent with its cooperative, non-profit-driven structure. ServiGardes, a real-time pharmacy on-duty information service, is operated as an adjacent product for pharmacists.

Name

Agetip

Legal name

AGETIP S.A.

Website

https://agetip.fr

Company type

Private

Founded year

1990

Operating status

Operating

Headcount range

1–10 employees

Short description

Agetip S.A., founded in 1990 and headquartered in Ronchin, France, is a cooperative-administered tiers payant operator that transmits electronic health claims to French insurers and advances 95% of reimbursements to its 1,550+ pharmacist, physiotherapist, doctor, and medical equipment provider members across 86 departments.

Ownership category

akta.pro rank

Headquarters

HQ city

Ronchin

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Operations, Technology or R&D, Personnel, Infrastructure, Others

Revenue model

1. Third-Party Payment Management Fees: Weekly management fees calculated as a percentage of the third-party payment amount to be recovered. Includes free recycling of invoices. Rebates available for: choosing longer payment formulas (0.01% per business day), good dashboard follow-up (rejected claims to regularize), and retrocession of commissions received from mutual insurance companies (calculated on number of dossiers presented). Productivity rebate after 1 year of activity determined by the chosen groupement's results.
2. Advance Payment on Recoveries: Agetip advances payment (95% of total RO+RC to be recovered) immediately upon transmission receipt (ART - Accusé de Réception de Télétransmission), with the balance paid at weekly account settlement.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Agetip is a French single third-party payer (payeur unique) that transmits electronic health insurance claims (FSE) on behalf of healthcare professionals to mandatory (Assurance Maladie Obligatoire) and complementary (mutuelles) health insurers, advances 95% of recoverable amounts immediately upon transmission receipt, and manages the full reconciliation, rejection, and accounting follow-up lifecycle. Its offer also includes an online member portal, a mobile application for delegated access rights, and the ServiGardes on-duty pharmacy information service, distributed through a network of six governing cooperatives that act as advance payment funds.

Product overview

Agetip operates as a single third-party payer (payeur unique) for healthcare professionals, offering a unified tiers payant service built around FSE (Electronic Health Care Form) transmission. The core product portfolio consists of: (1) the Agetip Tiers Payant service handling FSE transmission to insurance organizations, advance payments, and reconciliation; (2) the Espace Adhérent web portal providing member self-service for claim management and statistics; (3) the Tiers de Confiance Agetip mobile application for access control delegation; and (4) the ServiGardes pharmacy on-duty information service. These products work together to streamline administrative workflows, accelerate cash flow, and reduce billing complexity for healthcare professionals.

Differentiator

Problem solved

Functional benefit

Products and services

• Agetip Tiers Payant (Core Third-Party Payment Service) Outsourced single third-party payer service for pharmacists, physiotherapists, doctors, and medical equipment providers that transmits Electronic Health Care Forms (FSE) to mandatory (AMO) and complementary (AMC) health insurers, advances 95% of recoverable RO+RC upon transmission receipt, and manages bank reconciliation, rejected claims, indus processing, payment guarantees, and accounting follow-up.
• Espace Adhérent (Member Portal) Secure online self-service portal for adherent healthcare professionals to view and correct rejected claims from RO and RC online without retransmission, request patient follow-ups, access activity dashboards and statistics, review invoice history, and exchange secure documents with Agetip.
• Tiers de Confiance Agetip (Mobile Application) Free mobile application that lets responsible parties for Agetip member organizations create and revoke access rights for their employees to Agetip data, maintaining full control over distributed data.
• ServiGardes Real-time information service providing pharmacists and patients with up-to-date information on pharmacies open during off-hours (pharmacies de garde), developed and managed by Agetip.

Quantifiable outcome

• Over 47 million dossiers processed
• +3 more outcomes

Named customers3 records

Segments4 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature8 records

Partnerships

Eight partnerships are on record, tiered core and major.

• SOCOPHARMA (Société Coopérative à Capital variable)coreStrategic or Co-development Partner · 1 January 2007SOCOPHARMA is a cooperative society with variable capital that joined Agetip in 2007. It serves as a cooperative administering Agetip and provides advance payment services for healthcare professionals. President: M. Luc VANDERPOTTE.
• A.F.L. (Association loi 1901)coreStrategic or Co-development Partner · 1 January 2002A.F.L. is a law 1901 association that joined Agetip in 2002. It serves as a cooperative administering Agetip, providing advance payment services for healthcare professionals. President: M. Stéphane HOUZE.
• COGEPHAR (Société Coopérative à Capital variable)coreStrategic or Co-development Partner · 1 January 1993COGEPHAR is a cooperative society with variable capital that joined Agetip in 1993. It serves as a cooperative administering Agetip and provides advance payment services. President: M. Eric BOT.
• AGTPM (Association de Gestion du Tiers Payant des Pharmaciens)coreStrategic or Co-development Partner · 1 January 1990AGTPM is a law 1901 association and founding member of Agetip since 1990. It serves as a cooperative administering Agetip, holding social capital and acting as a caixa d'avance (advance payment fund) for pharmacists. President: M. Pascal COURTIN.
• D.P.G.S. (Société Coopérative)coreStrategic or Co-development Partner · 1 January 1990D.P.G.S. is a cooperative society and founding member of Agetip since 1990. It serves as a cooperative administering Agetip, providing advance payment services for healthcare professionals. President: M. Jean-Claude POTHIER.
• SOPROPHARcoreStrategic or Co-development PartnerSOPROPHAR is a cooperative that serves as a cooperative administering Agetip, providing advance payment services for healthcare professionals. President: M. Olivier PARENT.
• Mutual Insurance Companies (Mutuelles)majorOthersAgetip works with complementary health insurance organizations (mutuelles) for FSE transmission, handles reclamations, contestations, and phone calls to mutuelles on behalf of healthcare professionals, and rebates commissions received from these mutual insurance companies to members.
• Mandatory Health Insurance Organizations (Organismes AMO)majorOthersAgetip transmits FSE to mandatory health insurance organizations (Assurance Maladie Obligatoire) and manages reimbursements, indus processing, and claims.

Scale indicators5 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Almerys: French third-party payer (gestionnaire tiers payant) that processes health insurance claims for healthcare professionals on behalf of mutuelles and AMO. Closest direct competitor to Agetip, sharing the same concentrateur/FSE transmission business model and target customers in France.
• SP Santé (Pro BTP Santé): Tiers payant manager for the construction-sector health insurance regime (Pro BTP), handling FSE transmission and reimbursement for affiliated healthcare professionals. Similar role to Agetip but specialized for a specific regime.
• Actil (Klesia Group): Third-party payer arm of Klesia providing FSE transmission and tiers payant administration for healthcare professionals serving Klesia-covered patients. Comparable role but bounded by Klesia's affiliated population.
• Viamedis: French healthcare claims and tiers payant management provider serving mutuelles and health professionals. Operates an FSE concentrateur and complementary insurance claims workflow that competes directly with Agetip.

Emerging players

• Doctolib: Dominant French digital health platform with growing practice-management, teleconsultation and billing features for doctors. Not yet a tiers payant concentrateur, but a credible future competitor at the workflow integration layer.

Regional players

• Intersanté (Interservice Santé): French third-party payer focused on specific mutuelles and complementary insurance regimes. Similar claims-processing business model as Agetip, primarily serving allied mutuelles rather than the open market.

Broad incumbents

• Cegedim Santé: Major French healthcare IT vendor providing practice management, electronic medical records and tiers payant modules (including acquired Kosmos) for doctors and pharmacists. Competes with Agetip via integrated software rather than as a stand-alone concentrateur.
• Pharmagest Interactive (Lauréat/LGP): French pharmacy management software leader whose solutions embed FSE transmission and tiers payant workflows. Targets the same community pharmacists as Agetip via a software-led distribution model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 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 Agetip