axa sante et collectives

What axa sante et collectives does

AXA Santé et Collectives is a business division of AXA France, jointly operated by the regulated entities AXA France Vie (RCS Nanterre 310 499 959) and AXA France IARD (RCS Nanterre 722 057 460), delivering collective employee benefits to French private-sector companies. The unit's offering is organized around three core product lines: (1) Santé, Prévoyance & Dépendance — complementary group health insurance and collective prévoyance covering death, disability, incapacity, and long-term care; (2) Épargne d'Entreprise — employee savings plans (PEE, PEI, PEG) and retirement savings vehicles (PER, Article 82, Article 83, IFC); and (3) À l'International — international social protection for expatriate employees including CFE, Adaptalia, and AXA Pension Mobility+.

The technology stack is a digital insurance platform comprising employee self-service portals (MAPSO, AXA Mon Épargne Entreprise, customer portals for entreprises), a mobile app (AXA Epargne Salariale Mobile App), and analytics tools (Data MAP for workplace risk, Datascope observatory, Baromètre de l'absentéisme via DSN data). Value-added modules include teleconsultation médicale, second medical opinion, psychological support, H4D health screening cabins, caregiver assistance, financial coaching (Mon Coach Financier), and well-being services under the Angel brand. Integrations are largely standard web (Google Analytics, LinkedIn, Facebook pixels, AT Internet, Axeptio consent) plus the ACCEO accessibility platform.

The business operates on recurring premium and fee economics: health and prévoyance premiums (typically split between employer and employee with French tax advantages), management fees on employee savings balances, retirement plan contributions, and premiums for international expat solutions. Pricing is quote-based, customized to company size, sector, demographics, and coverage level, with monthly billing cadence. Distribution is direct enterprise field sales targeting HR directors and CFOs, supplemented by inside sales via website contact, and supported by a B2B content marketing apparatus — articles, white papers, expert columns (Paroles d'Experts featuring Directrice Epargne Retraite Entreprise Rim Ennajar-Sayadi), the DLRH podcast series, the Datascope annual observatory (7th edition, 2026), and Club AXA Tendances RH events. The unit derives significant leverage from its parent — AXA Group, a publicly traded global insurer on Euronext Paris (ticker: AXA), operating in 50+ countries, rated AA- by S&P and Aa3 by Moody's, with a 217% Solvency II ratio as of December 2021 and €487.7M in capital at the AXA France Vie level. Mathieu Godart serves as Directeur Général.

Name

axa sante et collectives

Legal name

AXA France Vie and AXA France IARD

Website

https://axa-assurancescollectives.fr

Company type

Public

Founded year

2019

Operating status

Operating

Headcount range

11–50 employees

Short description

AXA Santé et Collectives is the B2B collective insurance division of AXA France, providing complementary health insurance, prévoyance, employee savings (PEE/PER), and international expat solutions to French private-sector companies via direct enterprise sales and a digital service platform.

Ownership category

akta.pro rank

Headquarters

HQ city

Nanterre

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance Premiums (Complémentaire Santé): Recurring premium payments from companies for employee health insurance coverage. Contributions are typically shared between employer and employee, with tax advantages under French law for collective mandatory plans.
2. Prévoyance Premiums: Insurance premiums for death, disability, and invalidity coverage for employees. This includes both mandatory coverage for cadres (1.50% tranche A) and optional extended coverage.
3. Employee Savings Management Fees: Management fees on employee savings products including PEE, PEI, PEG, and PER. Revenue generated through fund management charges and administrative fees on employee savings balances.
4. Retirement Plan Contributions: Ongoing contributions to retirement savings plans (PER, Article 82, Article 83) with management fees on accumulated savings balances.
5. International Expat Solutions: Specialized insurance and assistance services for expatriates including CFE (Caisse des Français de l'Étranger), Adaptalia, and international health coverage with associated premiums.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels8 records

Core offering

AXA Santé et Collectives provides group health insurance, collective provident insurance, and employee savings/retirement solutions to French businesses for the benefit of their employees. Its portfolio includes complementary health insurance (complémentaire santé), death/disability/dependency coverage (prévoyance), employee savings plans (PEE, PEI, PEG), retirement savings (PER, Articles 82/83), and international social protection for expatriates. The offering is sold to companies as a customizable employee benefits package, supported by digital self-service portals, mobile apps, and value-added health and well-being services.

Product overview

AXA Santé et Collectives is a comprehensive employee benefits and social protection platform offered by AXA France. The offering consists of three core product lines: (1) Santé, Prévoyance & Dépendance covering company health insurance and collective provident insurance; (2) Épargne d'Entreprise providing employee savings plans (PEE) and retirement savings (PER); and (3) À l'International delivering international social protection for expatriates. These core products are supported by numerous digital service modules including MAPSO (24/7 contract access portal), Data MAP (analytics), the AXA Epargne Salariale Mobile App, customer portals for businesses, and extensive health and well-being services such as Angel, teleconsultation, psychological support, and caregiver assistance. The portfolio also includes value-added tools like Mon coach financier, voluntary contribution simulators, and prevention programs. The Des Datascope observatory provides annual workplace research. Together, these products form an integrated ecosystem addressing employee health protection, financial savings, retirement planning, and international coverage needs.

Differentiator

Problem solved

Functional benefit

Brands

• AXA France: Parent brand for all AXA insurance operations in France
• Angel
• Itelis Network
• Data MAP
• Ma Protection Sociale (MAPSO)
• AXA Mon Épargne Entreprise
• Datascope

Products and services

• Santé, Prévoyance & Dépendance Core employee benefits product covering complementary group health insurance (complémentaire santé) and collective provident insurance — death, disability, incapacity, and long-term care risks — for French companies and their employees. Helps employers meet ANI 2013 mandatory health insurance obligations.
• Épargne d'Entreprise Employee savings and retirement planning products including Plan d'Épargne Entreprise (PEE), Plan d'Épargne Retraite (PER), and related savings vehicles (PEI, PEG, Articles 82/83) for long-term employee financial benefits. Includes employer abondement up to 300% and tax-advantaged contributions.
• À l'International (International Solutions) International social protection services for expatriate employees including CFE (Caisse des Français de l'Étranger) management, international health coverage, Adaptalia solutions for small and intermediate companies, personal assistance abroad, and cross-border pension solutions (AXA Pension Mobility+).
• AXA Epargne Salariale Mobile App Standalone mobile application enabling employees to track and manage their employee savings accounts from anywhere, accessing retirement savings information in real time.
• Ma Protection Sociale (MAPSO) Standalone 24/7 digital portal serving as the main entry point for employees to access and manage their collective health and provident insurance contracts and benefits information.
• Data MAP Standalone data analytics tool that measures, analyzes, and helps prevent workplace risks (including absenteeism) by providing companies with data-driven insights for HR policy decisions. Leverages DSN (Déclaration Sociale Nominative) data.
• Mon Coach Financier Standalone one-on-one expert financial coaching service for employees to discuss personal finance and savings strategies, including retirement planning.
• Espace Client Entreprise Épargne Salariale Standalone online customer portal for businesses to independently manage employee savings plans, view contract details, transaction history, and access relevant documents.
• Angel Standalone health and well-being support service for employees including prevention programs, offered as part of the group health insurance portfolio.
• Téléconsultation Médicale Standalone 24/7 medical teleconsultation service allowing employees to consult doctors remotely worldwide via phone or other digital means.
• Datascope (Observatory of Workplace Life) Annual workplace observatory publication providing research and insights on workplace life, employee health, absenteeism, and HR trends. Published by AXA Santé et Collectives.
• Caisse des Français de l'Étranger (CFE) Standalone French social security scheme for expatriates allowing French citizens abroad to maintain health coverage under French social security, managed through AXA's international solutions.
• Degré Élevé de Solidarité (DES) Solidarity program funded by branch agreements, providing preventive health actions and financial aid for employees in difficulty, typically financed by 2% of insurance premiums.

Quantifiable outcome

• 46% of employees know their PEE/employee savings plan
• +3 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature8 records

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Groupama: Large French mutual insurer offering group health, prévoyance, and retirement products to enterprises and farmers/professionals. Comparable on enterprise santé collective and on regional/mid-market B2B distribution.
• CNP Assurances: Major French life and health insurer with a strong footprint in group protection, retirement, and employee savings, including partnerships with mutuelles and banks. Comparable to AXA on large-account group health and on PER/retirement product lines.
• AG2R La Mondiale: Leading French group protection insurer offering complémentaire santé, prévoyance, épargne salariale, and retirement solutions. Closely comparable to AXA on product scope, B2B distribution through HR decision-makers, and the integration of prevention/well-being services.
• Klesia: French group protection specialist serving corporate and branch-level health, prévoyance, and retirement contracts. Competes head-to-head with AXA on entreprise santé/prévoyance and on multi-employer convention coverage.
• Generali France: French subsidiary of Generali providing group health, prévoyance, retirement, and savings. Competes with AXA on enterprise benefits distribution and on leveraging an international network for expatriate coverage.
• Allianz France: French arm of Allianz offering group health, prévoyance, and employee savings through enterprise sales. Comparable on multi-line group benefits and on leveraging a global brand for international expat and mobility solutions.
• Harmonie Mutuelle: French mutual health insurer with strong group complémentaire santé and prévoyance offerings for enterprises. Comparable to AXA on B2B health distribution and on integrated prevention/well-being services.
• Malakoff Humanis: Major French group health and prévoyance specialist formed from the merger of Malakoff Médéric and Humanis. Directly competes with AXA Santé et Collectives on complementary health, prévoyance collective, and employee savings for French enterprises of all sizes.
• SwissLife France: French life and health insurer focused on individual and group retirement, santé, and prévoyance. Comparable to AXA on retirement savings products (PER, Article 83) and group health for mid-market employers.

Emerging players

• ProBTP: French group benefits specialist focused on the construction industry, offering health, prévoyance, and retirement coverage. Comparable niche B2B model but narrower industry focus than AXA's broad market approach.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/AXAFrance
• YouTubeyoutube.com/user/AXAFranceChaine
• Facebookfacebook.com/axafrance
• LinkedInlinkedin.com/company/axa-sante-et-collectives

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 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 axa sante et collectives