France Santé

What France Santé does

France Santé is a French insurance brokerage (SARL) founded in 2009 and headquartered at 18 Résidence Beaugency, Boulevard de Boulogne, in Berck-sur-Mer (Pas-de-Calais). The firm distributes three core product lines — Santé (health), Prévoyance (life/disability), and Auto/Habitation (P&C) — by brokering policies from three carrier partners: APIVIA (a mutual wholesale broker), CEGEMA (a Swiss Life subsidiary), and Qape. The Santé offering is aligned with the French 100% Santé reform for full optical, dental, and hearing-aid coverage.

The company operates a relationship-led go-to-market: field sales representatives visit clients at home across five northern French departments (62, 59, 80, 60, 76), supplemented by walk-in service at the Berck-sur-Mer office and a quote-request workflow on its corporate website. Distribution is augmented by phone (03.21.84.35.41) and email channels. Customer segments comprise individual French consumers — including those typically excluded by traditional insurers due to age, health status, or financial means — plus self-employed workers (TNS) and small business owners targeted through Santé TNS-type products. Pricing is quote-based and not publicly disclosed; the company explicitly does not claim to provide exhaustive market advice under Article L.521-2 of the French Insurance Code.

The revenue model is standard brokerage commissions earned on placed policies across the three product lines. The technology stack is non-proprietary — a standard WordPress/Elementor-based website with contact forms and no mobile app, no API, and no disclosed AI capabilities. Regulatory positioning includes ORIAS registration (No. 09051392), ACPR supervision, RGPD/GDPR compliance, and a formal complaints/mediation pathway. With 9 employees, a €3,000 share capital, RCS registration 511 041 907, and active hiring of three additional commercial advisors, France Santé is a sub-scale, profitable-brokerage-style micro-entity operating on local incumbency rather than technology differentiation.

Name

France Santé

Legal name

France Santé SARL

Website

https://france-sante-nord.fr

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

France Santé is a French insurance brokerage (SARL, founded 2009) in Berck-sur-Mer that distributes health, prévoyance, and auto/habitation policies from carriers APIVIA, CEGEMA, and Qape via field sales and a single office across northern France's Hauts-de-France region.

Ownership category

akta.pro rank

Headquarters

HQ city

Berck-sur-Mer

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance Brokerage Commissions: France Santé operates as an insurance brokerage firm earning commissions from insurance product providers. The company distributes health insurance, prévoyance (life/disability insurance), and auto/habitation insurance products from partner insurance companies including APIVIA, CEGEMA, and Qape.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

France Santé is a French insurance brokerage that distributes three core product lines—Santé (health insurance), Prévoyance (provident/life and disability insurance), and Auto/Habitation (vehicle and home insurance)—on behalf of partner insurers APIVIA, CEGEMA, and Qape. The firm targets individual consumers and self-employed professionals in the Hauts-de-France region, combining field-based home-visit advisory with a physical office and a website quote-request channel. Revenue is earned through commissions paid by the partner insurance companies whose products the brokerage places.

Product overview

France Santé operates as an insurance brokerage firm offering three core insurance products: Santé (health insurance), Prévoyance (provident/life insurance), and Auto/Habitation (auto/home insurance). The company works with insurance partners including APIVIA, CEGEMA, and Qape to distribute their products. The Santé product follows the French 100% Santé reform (effective January 2020 and 2021) providing full coverage for optical, dental, and hearing aids without out-of-pocket costs. Prévoyance provides financial protection through salary supplements, death capital, and disability benefits. Auto/Habitation covers vehicles, residences, and personal property with liability protection.

Differentiator

Problem solved

Functional benefit

Products and services

• Santé (Health Insurance) Health insurance products providing access to healthcare coverage for individual consumers regardless of age, health condition, or financial situation; covers medical, dental, optical, and hearing expenses through the French 100% Santé reform.
• Prévoyance (Provident/Life and Disability Insurance) Provident/life insurance providing salary supplements, death capital, disability benefits, and annuities to help families cope with unexpected events and maintain their standard of living in case of work stoppage, illness, or accident.
• Auto/Habitation (Auto and Home Insurance) Auto and home insurance covering vehicles, primary residences, rental properties, motorcycles, scooters, and pleasure boats, including protection for personal property and liability coverage for damages caused to third parties.

Quantifiable outcome

• According to French government statistics cited on the site, everyday accidents result in 5 million emergency room visits, several hundred thousand hospitalizations, and 20,000 deaths annually in France.

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Three partnerships are on record, tiered core.

• APIVIAcoreChannel Partner/ Reseller/ DistributorAPIVIA is a major mutual insurance group operating under the label '1er Courtier Grossiste Mutualiste' (1st Mutual Wholesale Broker). The partnership includes multiple product lines: Gamme Vitamin' (including Apivia Vitamin', Apivia Vitamin' Hospi, Apivia Vitamin' Pro), Gamme Équilibre (including TNS Santé+ for self-employed), Apivia Prévoyance, and Apivia Iard. APIVIA reported 48.6 million euros in revenue in 2016 and has 30 years of experience in the market.
• CEGEMAcoreChannel Partner/ Reseller/ DistributorCEGEMA, a subsidiary of Swiss Life established in 1990, is a wholesale broker (courtier grossiste) specializing in person insurance products including health, prévoyance, funeral insurance, GAV (Legal Protection), and ADP (Loan Insurance). The company ranks in the Top 10 of wholesale brokers and is known for partner and client satisfaction as well as operational excellence. Products include HexaSanté, Vitanéor2, and Santé TNS.
• QapecoreChannel Partner/ Reseller/ DistributorQape is an insurance provider offering health insurance formulas including Formule 100% Santé, Formule 1 Initiale, Formule 2 Confort 150, Formule 3 Confort 200, Formule 4 Confort 300, and Formule 5 Premium. The company is a SAS with capital of 300,000 euros, registered in Auxerre with NAF code 6622Z (insurance agents and brokers). Qape has locations in Toucy and Paris (Station F).

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Henner: French independent broker specializing in health, prévoyance, and retirement for individuals, expatriates, and professionals. Closely comparable to France Santé's focus on personal health and prévoyance distribution, including access for atypical profiles.
• Solly Azar: French wholesale broker (courtier grossiste) distributing health, prévoyance, and P&C products via partner retail brokers. Operates one level upstream of France Santé but is directly comparable as a multi-carrier distribution platform for personal-lines products.
• SPVie Assurances: French insurance broker focused on health, prévoyance, and personal protection for individuals and professionals. Comparable distribution model and product mix to France Santé, including TNS-oriented offerings.
• Optimind: French insurance broker and consultancy distributing personal and professional insurance lines via partner carriers. Comparable brokerage model with multi-carrier distribution and SME/self-employed focus similar to France Santé's TNS segment.
• BMS Groupe: French wholesale broker offering health, prévoyance, and P&C product ranges via retail partner brokers. Same multi-carrier intermediary model as CEGEMA/Qape (France Santé's upstream partners) and a relevant comparable for distribution economics.

Broad incumbents

• Diot-Siaci: Major French insurance brokerage group formed from Diot and Siaci, active in personal lines including health and prévoyance. Comparable intermediary role but at significantly larger scale and with more diversified product lines than France Santé.
• Verlingue: French insurance broker and advisory firm serving individuals, professionals, and businesses across personal and commercial lines. Comparable distribution model (multi-carrier brokerage) but broader geographic footprint and larger corporate client base than France Santé.
• April Group: One of France's largest wholesale and retail insurance brokers, distributing health, prévoyance, and P&C products for individuals and businesses. Comparable to France Santé as a multi-carrier intermediary serving individual consumers, but at materially larger national scale.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/france-sante-berck

Compliance3 records

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 France Santé