What Btpr Antilles Guyane does

BTPR (Btpr Antilles Guyane) is a non-profit social protection group (Groupe de protection sociale à but non lucratif) founded on July 1, 2002, and headquartered in Les Abymes, Guadeloupe. It provides four core services to Building and Public Works (BTP) professionals across Guadeloupe, Martinique, and French Guiana: complementary collective health insurance (BTPR Santé with three tiers — BTPR 150, 250, and 400), mandatory provident insurance covering work stoppage, disability, and death benefits, supplementary retirement management under the AGIRC-ARRCO framework, and social action services including housing adaptation assistance and home help. The organization operates through three regional delegations (Les Abymes, Le Lamentin, Rémire-Montjoly) plus two welcome sites, and is governed paritariamente through employer federations (FRBTP Guadeloupe, Martinique, Guyane) and labor unions (FTC-CGTG, CGTM, CFTC, FO).

Its core technology stack comprises a member self-service portal (Mon Compte at adherents.btpr.fr) for managing health coverage, contribution rates, contracts, and DSN declarations, and the BTPR Santé mobile application launched in 2025 for iOS and Android, which provides a digital third-party payment card, reimbursement tracking, and advisor contact. The underlying operating entities are BTPR AA (AGIRC-ARRCO regional retirement fund) and CRP BTP (regional provident fund), consolidated under the BTPR umbrella within the broader PRO BTP Group framework. Coverage includes 100% Santé dental, optical, and hearing aid benefits with no waiting periods, and formulas adapted for both overseas territories and France mainland continuity.

BTPR's business model is contribution-driven via mandatory and voluntary BTP-sector subscriptions; pricing is governed by national BTP provident regulations and is not publicly disclosed. Customer base includes 4,000+ contributing companies, 22,000 covered employees, and 8,000+ retirees in direct management. Revenue flows are redistributed largely as benefits and reserves under non-profit status. Distribution relies on direct enterprise sales through regional advisors and digital self-service, supplemented by social media presence (Facebook, Instagram, LinkedIn) and downloadable member guides. As a regulated paritarian entity under the PRO BTP Group, BTPR functions as the de facto statutory social protection provider for its sector and territory rather than a market-share competitor.

Name

Btpr Antilles Guyane

Legal name

BTPR - Groupe de Protection Sociale

Website

https://btpr.fr

Company type

Private

Founded year

2002

Operating status

Operating

Headcount range

1–10 employees

Short description

BTPR (Btpr Antilles Guyane) is a non-profit social protection group providing complementary health insurance, provident coverage, AGIRC-ARRCO retirement, and social action services to Building and Public Works (BTP) professionals across Guadeloupe, Martinique, and French Guiana.

Ownership category

akta.pro rank

Product category

Social Protection Insurance

NAICS

Direct Life, Health, and Medical Insurance Carriers (52411), Direct Life Insurance Carriers (524113), Insurance Agencies and Brokerages (524210)

SIC

Insurance Agents, Brokers & Service (6411), Life Insurance (6311)

akta.pro primary industry

Large Group Health Insurance (Mid-Market & National Accounts) (FSAIAFAE)

Keywords

• Collective health insurance
• Provident insurance BTP
• AGIRC-ARRCO retirement
• Paritarian social protection
• Social action services

Headquarters

HQ city

Les Abymes

Offices3 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Complementary Health Insurance (Complémentaire Santé): Collective health insurance contributions from BTP companies and their employees, providing reimbursement of medical expenses including dental, optical, and hearing aids under 100% Santé coverage.
2. Provident Insurance (Prévoyance): Mandatory provident insurance for BTP workers covering work stoppage compensation (after 90 days), disability benefits, death capital, education annuity for children, and free rights maintenance.
3. Complementary Retirement (Retraite Complémentaire): Supplementary pension contributions through AGIRC-ARRCO system, managing retirement points and providing pension calculations for BTP workers in the French overseas territories.
4. Social Action Services (Action Sociale): Social assistance programs for active and retired BTP workers including housing adaptation assistance, home help, caregiver support, and elderly care services, funded through the organization's social budget.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

BTPR provides social protection coverage to BTP (Building and Public Works) professionals in the French Antilles and Guyane through four integrated offerings: collective complementary health insurance (BTPR Santé with 100% Santé dental, optical, and hearing aid coverage), mandatory provident insurance (work stoppage, disability, death benefits), AGIRC-ARRCO supplementary retirement management, and social action services (housing adaptation, home help, elderly care). The organization sells its coverage to BTP companies for adhesion on behalf of employees, with individual and enterprise customer journeys managed through three regional delegations.

Product overview

BTPR (Btpr Antilles Guyane) is a non-profit social protection group serving BTP (Bâtiment et Travaux Publics) professionals in Guadeloupe, Martinique, and Guyane. The portfolio consists of four interconnected core products: BTPR Santé (collective health insurance with three tiers: BTPR 150, BTPR 250, and BTPR 400), Prévoyance (provident insurance covering death, disability, and work stoppage risks), Retraite complémentaire (AGIRC-ARRCO supplementary pension), and Action sociale (social assistance services including housing adaptation, home help, and teleassistance). The offering is anchored by BTPR Santé, complemented by the Mon compte digital portal for member self-service. The group also manages CRP-BTP (Caisse régionale de prévoyance) and BTPR AA (AGIRC-ARRCO regional retirement fund) under its governance structure.

Differentiator

Problem solved

Functional benefit

Brands

• BTPR AA (AGIRC-ARRCO): Caisse régionale de retraite du BTP - retirement fund for BTP professionals operating under AGIRC-ARRCO framework
• CRP BTP

Products and services

• BTPR Santé (Complémentaire Santé) Collective complementary health insurance plan for BTP professionals in the French Antilles and Guyane, available in three tiered formulas (BTPR 150, BTPR 250, BTPR 400) with coverage including dental, optical, and hearing aids under 100% Santé. Reimbursement rates range from 100% BR (base rate) to 300% BR for hospitalization, with monthly subscription billing.
• Prévoyance (Provident Insurance) Mandatory provident insurance covering risks including work stoppage compensation (after 90 days), disability pension, death capital, death pension, and education pension for dependents. Designed for BTP workers in the French Antilles and Guyane, funded through recurring employer and employee contributions.
• Retraite complémentaire (AGIRC-ARRCO Supplementary Retirement) Supplementary retirement pension managed under the AGIRC-ARRCO national framework, operating through a point-based system to calculate and deliver supplementary pensions for BTP workers in Guadeloupe, Martinique, and Guyane. Includes pension reversion for surviving spouses.
• Action sociale (Social Action Services) Social support services including housing adaptation assistance, home help, life assistance, teleassistance, support for dependent persons, and retirement home funding for BTP retirees and active workers in the French Antilles and Guyane. Services target both active BTP workers (apprentice support, training aid, housing assistance) and retirees (isolation prevention, home maintenance, caregiver support).

Named customers1 record

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Five partnerships are on record, tiered core and major.

• PRO BTP GroupcoreStrategic or Co-development Partner · 1 July 2002BTPR operates under the PRO BTP Group umbrella for social protection. The PRO BTP Group defines accessibility strategies and provides the regulatory framework for BTP social protection across France, including overseas territories. BTPR implements PRO BTP standards and guidelines while serving local territories.
• AGIRC-ARRCOcoreStrategic or Co-development PartnerAGIRC-ARRCO is the national complementary retirement organization. BTPR AA (Agirc-Arrco) serves as the regional pension fund for BTP workers in the French Antilles and Guyane, managing retirement points and pension calculations under the AGIRC-ARRCO framework.
• FRBTP GuadeloupecoreStrategic or Co-development PartnerFédération Régionale du BTP Guadeloupe (FRBTP Guadeloupe) represents employer interests in the BTP sector and participates in BTPR's paritarian governance through the college of employers on the Board of Directors.
• FTC-CGTG GuadeloupecoreStrategic or Co-development PartnerFédération des Travailleurs du Commerce et des Industries de la Guadeloupe - CGT (FTC-CGTG) represents employee interests and participates in BTPR's paritarian governance through the college of employees on the Board of Directors.
• CGSS (Caisse Générale de Sécurité Sociale)majorStrategic or Co-development PartnerCGSS provides funding for housing adaptation work and home help services. BTPR's social action services complement CGSS contributions for home adaptation and elderly care in the overseas territories.

Scale indicators5 records

Recent moves7 records

Expansion highlights4 records

Broad incumbents

• PRO BTP: PRO BTP is the national French social protection group for the BTP sector and BTPR's parent/strategic umbrella. Directly comparable as it offers the same health, provident, retirement, and social-action pillar structure for BTP professionals across mainland France; BTPR essentially implements PRO BTP standards in the overseas territories.
• AGIRC-ARRCO: AGIRC-ARRCO is the national French supplementary retirement scheme that sets the framework BTPR AA operates under. Directly comparable as the overarching retirement architecture for French employees, with BTPR functioning as one of its regional BTP-specific implementation partners.

Direct peers

• VYV Group: VYV Group is a leading French mutualist social protection group combining health insurance, provident, and care services. Comparable to BTPR in offering an integrated protection platform anchored by group health, with a similar mission-driven, non-profit orientation and paritarian-style governance.
• APICIL: APICIL is a French paritarian social protection group providing health, provident, retirement, and savings products to individuals and businesses. Comparable in pillar structure, paritarian governance, and focus on collective/employer-sponsored schemes, though broader than BTPR's BTP specialization.
• Harmonie Mutuelle: Harmonie Mutuelle is a major French mutual health insurer providing complémentaire santé and related social protection services. Comparable to BTPR in offering collective health insurance for employees, though broader in scope and not sector-specialized to BTP.
• MSA (Mutualité Sociale Agricole): MSA is the French social protection scheme for the agricultural sector, offering health, provident, retirement, and social action services under a paritarian governance model. Comparable to BTPR as a sector-specific, multi-pillar French social protection group with the same mission-driven non-profit orientation.
• Audiens: Audiens is a French paritarian social protection group dedicated to cultural and communication-sector professionals. Comparable to BTPR as a sector-specialized social protection group with paritarian governance providing health, provident, retirement, and social action services — analogous to BTPR's BTP specialization.
• KLESIA: KLESIA is a major French paritarian social protection group offering health, provident, and retirement services to multiple professions. Directly comparable business model, paritarian governance, and multi-pillar product structure to BTPR, though serving broader industries rather than the BTP sector alone.
• Malakoff Humanis: Malakoff Humanis is one of France's largest social protection groups, providing group health, provident, and retirement coverage under a paritarian governance model. Comparable in offering the same four-pillar value proposition (health, provident, retirement, social services) and in serving employer-sponsored collective schemes.
• BTP-Prévoyance: BTP-Prévoyance is a French social protection organization historically focused on provident coverage for BTP professionals. Highly comparable as a BTP-sector-specialist with similar paritarian structure and provident/health insurance offerings, representing the closest sector-pure peer to BTPR.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

• Facebookfacebook.com/BTPRAntillesGuyane
• LinkedInlinkedin.com/company/btpr-antilles-guyane
• Instagraminstagram.com/btprantillesguyane

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Subsidiaries2 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 Btpr Antilles Guyane