CIPSE

What CIPSE does

CIPSE (Centre Interprofessionnel de Protection Sociale et d'Épargne) is a Paris-based independent insurance brokerage founded in 2003 that specializes in social protection and savings solutions for four regulated French professions: lawyers (avocats affiliated to CNBF), dental surgeons (dentistes affiliated to CARCDSF), physicians (médecins affiliated to CARMF), and architects (affiliated to CIPAV). The firm operates three core product lines — complementary health insurance (Complémentaire Santé), provident insurance (Prévoyance), and retirement savings (Épargne Retraite, including PER and Madelin contracts) — distributed as sector-specific sub-products with tiered formulas (Essentielle/Basique, Confort, Premium). All contracts are structured to be eligible under the French Madelin law, providing tax deductibility for self-employed policyholders.

The firm operates on a digital platform built on Odealim/Bati Assure technology infrastructure and hosted on AWS in French data centers. Client-facing capabilities include an online appointment booking system integrated across all product pages, a digital client portal (Espace client digitalisé) for real-time reimbursement tracking, online claims management, and policy administration. The company is structured as a SAS (Société par Actions Simplifiée) with registered capital of €10,000, is registered with ORIAS as broker number 07002789, and is headquartered at 1 bis rue Mornay, Paris (RCS Paris 447 891 847). Total headcount is approximately 9–10 employees, with Patrick ZAGURY identified as Director of Publication.

CIPSE earns commission-based revenue from insurance companies, pension institutions, and mutual insurers for placing and managing policies, with subscription-recurring economics from policy renewals. The go-to-market model is sales-led and inside-sales-driven: advisors provide free, no-obligation consultations booked through the website, phone, or email, with no third-party reseller network and no geographic presence outside metropolitan France. The firm serves more than 5,000 clients nationally, with disclosed profession-level coverage of 4,500+ lawyers, 1,000+ physicians, 800+ dentists, and 500+ architects. Pricing is quote-based by profession, coverage level, age, and risk profile, with monthly billing.

Name

CIPSE

Legal name

C.I.P.S.E (Centre Interprofessionnel de Protection Sociale et d'Épargne)

Website

https://cipse.fr

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1–10 employees

Short description

CIPSE is a Paris-based independent insurance brokerage, founded in 2003, offering Madelin-eligible complementary health, provident, and retirement savings products to French regulated professionals — lawyers, doctors, dentists, and architects — across more than 5,000 clients.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Brokerage Commissions: CIPSE earns commissions from insurance companies, pension institutions, and mutual insurers for placing and managing insurance policies (health, provident, retirement) for clients. As an independent broker registered with ORIAS (number 07002789), the firm acts as an intermediary between clients and insurers, earning commissions on each policy placed and renewed.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

CIPSE is an independent French insurance brokerage firm (ORIAS-registered, number 07002789) that advises self-regulated professionals — lawyers, physicians, dentists, and architects — and places complementary health insurance, provident insurance, and retirement savings (PER/Madelin) contracts on their behalf with multiple insurance companies, pension institutions, and mutuals. The firm provides personalized needs assessments, contract comparison, Madelin-law tax optimization structuring, and ongoing portfolio support across the client's professional life cycle.

Product overview

CIPSE operates as an insurance brokerage firm offering three core product lines — Complémentaire Santé (supplementary health insurance), Épargne Retraite (retirement savings, including PER and Madelin contracts), and Prévoyance (provident insurance) — each distributed across four regulated professional sectors: lawyers (avocats), dentists (dentistes), doctors (médecins), and architects (architectes). The product portfolio includes sector-specific sub-products with formula tiers (Basique, Confort, Premium) adapted to the distinct social protection regimes (CNBF, CARCDSF, CARMF, CIPAV) and tax frameworks (Loi Madelin) of each profession. Additional services include a free advisory service and a digitized client portal for real-time reimbursement tracking. All products are distributed through independent brokerage, with CIPSE acting as an intermediary between clients and insurance companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Complémentaire Santé (Supplementary Health Insurance) Supplementary health insurance brokerage for self-employed regulated professions (lawyers, dentists, doctors, architects), covering consultations, hospitalization, optical, dental, and alternative medicine, with eligibility for Madelin law tax deductions. Offered in Essentielle, Confort, and Premium tiers.
• Épargne Retraite (Retirement Savings) Retirement savings brokerage for regulated professions, including PER (Plan d'Épargne Retraite) and Madelin contracts, offering flexible contribution options, tax advantages, and multiple exit strategies (capital, annuity, or mixed). Offered in Basique, Confort, and Premium tiers tailored to each profession's pension regime.
• Prévoyance (Provident Insurance) Provident insurance brokerage covering professional risks for self-employed individuals, including daily allowances for work stoppage, disability income, and death benefits to protect income and loved ones. Offered in Essentielle, Confort, and Premium tiers per profession.
• Accompagnement gratuit et sans engagement (Free Advisory Service) Free, no-obligation advisory service providing personalized guidance on selecting insurance, savings, and provident products, available across all professional sectors served by CIPSE, leading to a tailored contract recommendation.
• Espace client digitalisé (Digital Client Portal) Digital client portal enabling real-time reimbursement tracking, online claims management, and autonomous contract management through a secure online account.

Quantifiable outcome

• Over 5,000 clients served across four regulated professions in France
• +2 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Three partnerships are on record, tiered core.

• Insurance Companies (Compagnies d'Assurance)coreTechnology or IntegrationCIPSE works with multiple insurance companies ('des Compagnies d'Assurance') as its primary product suppliers. These partners underwrite the complementary health, provident, and retirement savings contracts that CIPSE selects and places for its clients. The breadth of the insurer panel enables CIPSE to offer competitive pricing and tailored coverage for each regulated profession.
• Pension Institutions (Institutions de Prévoyance)coreTechnology or IntegrationCIPSE partners with institutions de prévoyance to provide provident insurance products (incapacity, invalidity, death coverage) for its client professions. These institutions supply the risk coverage components of the product offering.
• Mutual Insurers (Mutuelles)coreTechnology or IntegrationCIPSE partners with mutuals to access supplementary health insurance products that complement the base social security regime for regulated professionals. Mutuals are a key product source for the complementary health insurance line.

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Alptis: French mutual insurance group dedicated to self-employed professionals (TNS), offering complementary health, prévoyance, and retirement savings. Closely comparable to CIPSE in customer segment (TNS, regulated professions), product portfolio, and advisory-led distribution.
• Cegema: French insurance broker specialised in health, prévoyance, and retirement for medical and paramedical professionals. Direct overlap with CIPSE's doctors and dentists offerings and similar multi-carrier brokerage model.
• Henner: French independent insurance broker specialising in health, prévoyance, and retirement solutions for professionals and groups, with deep expertise in regulated and international segments. Highly comparable to CIPSE in target customer (TNS/professionals), product mix (santé/prévoyance/retraite), and independent brokerage model.

Broad incumbents

• Diot-Siaci: Large French insurance broker and advisory firm with offerings across personal lines including santé, prévoyance, and retraite for professionals and corporate clients. Overlaps with CIPSE in customer type and product mix, but at materially larger scale.
• SwissLife France: Major French life insurer and distributor with dedicated TNS / regulated-profession offerings (santé, prévoyance, Madelin retirement). Comparable to CIPSE through similar product portfolio and professional customer segment, but with insurer economics rather than pure broker economics.
• Malakoff Humanis: Large French social protection group (mutual insurer) offering health, prévoyance, and retirement solutions to individuals and TNS. Comparable to CIPSE in product lines and customer segment, though much larger and vertically integrated as a carrier/manager.
• Verlingue: Large French insurance broker serving both individuals and businesses, including health, prévoyance, and retirement products. Comparable through its brokerage distribution model and overlap in serving regulated professionals, though its portfolio extends well beyond CIPSE's niche.
• April: Major French insurance brokerage group with broad TNS and professional offerings in santé, prévoyance, and retraite. Comparable to CIPSE as a competitor in the same customer segments but operating at significantly larger scale with a wider product portfolio.

Emerging players

• Alan: French insurtech providing digital health insurance and benefits to individuals, professionals, and companies. Partial overlap with CIPSE in health insurance for self-employed professionals, but differentiated by tech-led UX and direct insurer model.

Others

• LeLynx: French insurance comparator platform allowing consumers and professionals to compare health, prévoyance, and retirement products. Relevant as an indirect competitor that can divert leads away from traditional brokers like CIPSE.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/cipse

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 CIPSE