AFI Assurances - Meilleurtaux Santé

What AFI Assurances - Meilleurtaux Santé does

AFI Assurances, now operating as Meilleurtaux Santé, is a French health insurance comparison and brokerage platform serving individual consumers, families, seniors, independent workers, students, job seekers, and civil servants across France. The company was founded in 1996 (per firmographic records; one source cites a 2000 Meilleurtaux group founding), is headquartered in Evry, and employs 187 staff. It operates as a wholly-owned subsidiary of Groupe Meilleurtaux, which itself became a subsidiary of HelloWork Group following Keensight Capital's 2019 private equity acquisition. The platform aggregates and compares health insurance offers from over 50 partner carriers (including Mutualia, AESIO, Swiss Life, AG2R La Mondiale, MGEN, Groupama, MMA, APRIL, Malakoff Humanis, CNP, Kereis, and Néoliane) and co-brands proprietary products with Active Assurances, including the Label Excellence 2024-awarded Immédiat Santé Senior. The business earns commissions from insurance provider partners for policies placed through the platform, a classic affiliate-referral model.

Meilleurtaux Santé distributes its offering through an omnichannel network that combines an online comparison platform (sante.meilleurtaux.com) with 350+ physical brokerage agencies across France, a phone-based advisory desk (01 83 77 57 30), and mobile applications on iOS and Android. The product portfolio comprises five segmented branded lines: Vita Santé 55+, Progression Santé Senior, Essentiel Santé Senior for seniors, and Immédiat Santé Famille and Progression Santé Famille for families, with between 6 and 12 guarantee tiers each. Observed tariffs range from €35/month for economy coverage to €1,442.64/year for senior max coverage, with average documented customer savings of €399/year for comparable coverage. Distribution is supported by SEO, content marketing, customer reviews (4.8/5 on Trustpilot from 24,667 reviews), and targeted persona campaigns. The company recently activated around France's 2025 civil servant health coverage reform offering 50% state premium contribution. Meilleurtaux Santé serves over 65,000 health customers as a segment within the broader Meilleurtaux group, which serves more than 3 million French customers annually.

Name

AFI Assurances - Meilleurtaux Santé

Legal name

Meilleurtaux

Website

https://afiassurances.fr

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

101–250 employees

Short description

Meilleurtaux Santé is a French health insurance comparison and brokerage platform operating 350+ agencies and digital channels, serving 65,000+ individual consumers across seniors, families, and workers with quotes and policies from 50+ partner insurers.

Ownership category

akta.pro rank

Product category

Health Insurance Comparison & Brokerage

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Insurtech-Enabled Brokerage (Digital Brokers & Aggregators) (FSAEADAN)

Keywords

• Health insurance comparison
• Mutuelle santé
• Insurance brokerage
• Online insurance comparator
• Supplementary health insurance

Headquarters

HQ city

France

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance commission revenue: Meilleurtaux Santé earns commissions from insurance provider partners when customers purchase policies through the comparison platform. The platform aggregates offers from multiple insurers and receives compensation for policies placed.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

AFI Assurances - Meilleurtaux Santé operates as an online health insurance comparison and brokerage platform that aggregates complementary health insurance (mutuelle santé) offers from over 50 partner insurers. The platform enables French consumers to compare tariffs and guarantee levels, obtain personalized quotes, and subscribe to coverage via online tools, telephone advisors, or a network of 350+ physical brokerage agencies across France.

Product overview

Meilleurtaux Santé operates as an online health insurance comparison platform offering a portfolio of segmented health insurance products through its parent company Meilleurtaux. The platform provides five branded health insurance formulas (Vita Santé 55+, Progression Santé Sénior, Essentiel Santé Sénior, Immédiat Santé Famille, and Progression Santé Famille) alongside access to over 50 partner insurers' products. The offering functions as both a comparative aggregator and a direct insurance provider, enabling users to obtain personalized quotes, compare guarantees, and subscribe to coverage tailored to specific profiles including seniors, families, young professionals, students, and unemployed individuals.

Differentiator

Problem solved

Functional benefit

Brands

• Vita Santé 55+: Health insurance formula targeting seniors aged 55 and above with 6 coverage levels, adjusted pricing, and good hospitalization and optical guarantees.
• Progression Santé Sénior
• Essentiel Santé Sénior
• Immédiat Santé Famille
• Progression Santé Famille

Products and services

• Vita Santé 55+ Health insurance product targeting autonomous seniors aged 55 and above, offering 6 coverage levels with adjusted pricing and solid hospitalization and optical guarantees. Distribution includes exclusive phone-based offers (e.g., Vita Santé 55+ formula 1-6 priced at €669.60 to €1,442.64 per year for a 55-year-old male in Melun).
• Progression Santé Senior Retirement health insurance with 12 guarantee levels offering extended protection and reinforced dental, optical, and hospitalization coverage for retirees seeking more comprehensive senior plans.
• Essentiel Santé Senior Health insurance for prudent seniors without complex needs, offering 6 coverage levels with balanced guarantees and controlled pricing on essential care reimbursement.
• Immédiat Santé Famille Family health insurance with 8 guarantee levels offering effective reimbursements for routine care, orthodontics, maternity, and optical coverage. Awarded the Label Excellence 2024 by Les Dossiers de l'Épargne.
• Progression Santé Famille Family health insurance with 12 guarantee levels offering evolving coverage and solid protection including specialized care for the entire family.
• Meilleurtaux Santé Comparator Platform Online comparison and brokerage platform that aggregates health insurance offers from 50+ partner insurers, allowing users to obtain personalized quotes, compare guarantees and tariffs, and subscribe to coverage. Supported by iOS and Android mobile applications.

Quantifiable outcome

• Average savings of €399/year on health insurance with equivalent coverage
• +2 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

56 partnerships are on record, tiered core and minor.

• MutualiacoreChannel Partner/ Reseller/ DistributorMutual insurance provider offering health insurance products through the Meilleurtaux comparison platform. Featured as one of the partner insurers in the Meilleurtaux Santé network.
• AESIO MutuellecoreChannel Partner/ Reseller/ DistributorMutual insurance provider featured as a partner insurer in the Meilleurtaux Santé comparison platform network.
• Swiss LifecoreChannel Partner/ Reseller/ DistributorInsurance company offering health insurance products through the Meilleurtaux comparison platform.
• AG2R La MondialecoreChannel Partner/ Reseller/ DistributorMajor French insurance group providing health insurance products through the Meilleurtaux partner network.
• MGENcoreChannel Partner/ Reseller/ DistributorMutual insurance organization for education professionals, offering health coverage through Meilleurtaux platform.
• GroupamacoreChannel Partner/ Reseller/ DistributorInsurance company providing health insurance products via the Meilleurtaux comparison platform.
• MMAcoreChannel Partner/ Reseller/ DistributorInsurance company offering health insurance products through the Meilleurtaux partner network.
• APRILcoreChannel Partner/ Reseller/ DistributorInsurance provider offering health insurance products through the Meilleurtaux comparison platform.
• KereiscoreChannel Partner/ Reseller/ DistributorInsurance provider whose Kereis Flexibilité Santé product is offered exclusively through Meilleurtaux Santé telephone advisors.
• NéolianecoreChannel Partner/ Reseller/ DistributorInsurance provider whose Néoliane Alto Santé product is offered through Meilleurtaux advisors.
• COCOONminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• ALPTIS / CMONASSURANCEminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• MGCminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux partner network.
• THELEN ASSURANCESminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• MUTELIOSminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux partner network.
• A COMME ASSUREminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• IDENTITES MUTUELLEminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux partner network.
• MUTUELLE OCIANE MATMUTminorChannel Partner/ Reseller/ DistributorMutual insurance provider (OCIANE MATMUT) in the Meilleurtaux partner network.
• MILTISminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• APICILminorChannel Partner/ Reseller/ DistributorInsurance group providing health insurance products through Meilleurtaux platform.
• SPVIEminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• PAVILLON PREVOYANCEminorChannel Partner/ Reseller/ DistributorProvidence insurance provider in the Meilleurtaux partner network.
• M COMME MUTUELLEminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux partner network.
• PREVOIRminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• 2MAminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux partner network.
• DIFFUSION SANTEminorChannel Partner/ Reseller/ DistributorHealth insurance provider in the Meilleurtaux Santé partner network.
• DIRECT ASSURANCEminorChannel Partner/ Reseller/ DistributorDirect insurance company in the Meilleurtaux partner network.
• APIVIAminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• MODULASSURminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux partner network.
• UCRminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux partner network.
• UNIPHminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux Santé partner network.
• ELSASSURminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux partner network.
• MUTUELLE MIEUX ETREminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux partner network.
• SELFASSURANCEminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• MUTUELLE INTEGRANCEminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux partner network.
• RADIANCEminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• SOLLY AZARminorChannel Partner/ Reseller/ DistributorInsurance company in the Meilleurtaux partner network.
• HEYMEminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• ASAF&AFPSminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux partner network.
• SANTIANEminorChannel Partner/ Reseller/ DistributorHealth insurance broker in the Meilleurtaux Santé partner network.
• CCMOminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux partner network.
• MUTUELLE GSMCminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux Santé partner network.
• MALAKOFF HUMANISminorChannel Partner/ Reseller/ DistributorMajor provident insurance group in the Meilleurtaux partner network.
• MUTLORminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux partner network.
• NEOLIANEminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• MUTAEROminorChannel Partner/ Reseller/ DistributorMutual insurance provider for aeronautics professionals in the Meilleurtaux network.
• JULIAminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• ZENIOOminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux partner network.
• CNP AssurancesminorChannel Partner/ Reseller/ DistributorInsurance company in the Meilleurtaux Santé partner network.
• ACORIS MUTUELLESminorChannel Partner/ Reseller/ DistributorMutual insurance group in the Meilleurtaux partner network.
• VIASANTÉ MUTUELLEminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux Santé partner network.
• MUTUALPminorChannel Partner/ Reseller/ DistributorMutual insurance provider in the Meilleurtaux partner network.
• MGEFIminorChannel Partner/ Reseller/ DistributorMutual insurance provider for civil servants in the Meilleurtaux network.
• ADAMAminorChannel Partner/ Reseller/ DistributorInsurance provider in the Meilleurtaux Santé partner network.
• IRCEMminorChannel Partner/ Reseller/ DistributorProvident institution in the Meilleurtaux partner network.
• Active AssurancescoreStrategic or Co-development PartnerCo-branding partner with Meilleurtaux under the 'Meilleurtaux Santé' brand (subsidiary of Groupe Meilleurtaux). Jointly provides health insurance comparison services through the platform.

Scale indicators5 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Santiane: Leading French online mutuelle santé comparison broker with similar digital comparator platform, multi-carrier distribution, and overlapping senior/family target segments. Santiane is the closest direct competitor in the digital mutuelle aggregator space.
• Hyperassur: French insurance comparator focused on auto, home, and health with similar multi-carrier comparison mechanics and affiliate commission model — comparable in scope, customer segments, and digital UX.
• LeLynx: Multi-line French insurance comparator (auto, home, health) owned by Adrenalead, competing directly for the same comparison-intent consumers via digital channels and similar commission-based affiliate revenue model.
• Mutuelle.fr: Specialized French mutuelle santé comparison platform with strong SEO presence and direct carrier partnerships — competes directly for the same organic comparison-intent traffic in mutuelle santé.
• Active Assurances: Direct insurance broker and co-branding partner of Meilleurtaux Santé; competes in mutuelle distribution with own digital platform and acts as both peer and partner, creating a uniquely entangled competitive relationship.
• LesFurets.com: French insurance and financial services comparison platform (subsidiary of Agena 3000) operating across health, auto, home, and credit — directly comparable on comparator mechanics, partner breadth, and customer segments.
• AcommeAssure: Insurance broker and partner in Meilleurtaux Santé's network; operates own direct comparison and advisory platform for mutuelle and other insurance, making it both a partner and a competing intermediary.

Emerging players

• L'Olivier Assurance: French digital-first mutuelle broker targeting individual and family segments via streamlined online subscription — competes in the same consumer profile-driven health comparison niche with a leaner cost structure.

Broad incumbents

• SwissLife: Major French life and health insurer offering direct distribution and participating as a Meilleurtaux Santé partner — a broad incumbent that competes for the same end customer while also supplying Meilleurtaux's catalogue.
• Groupama: Large French mutual insurance group with full-stack health, auto, and home offerings; partners with Meilleurtaux Santé for distribution while also selling direct, representing both supply and competitive threat.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/meilleurtaux
• YouTubeyoutube.com/user/Meilleurtaux
• Facebookfacebook.com/Meilleurtaux
• LinkedInlinkedin.com/company/afi-assurances
• Instagraminstagram.com/meilleurtaux

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 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 AFI Assurances - Meilleurtaux Santé