SANTE POUR TOUS

What SANTE POUR TOUS does

SANTE POUR TOUS (operating as IPM-Sante Pour Tous; legal name Institution de Prévoyance Maladie SANTE POUR TOUS) is a Senegalese social protection institution founded in 1991 that delivers private health insurance to employers and their employees. The institution provides partial reimbursement of medical, pharmaceutical, and hospitalization expenses under regulated percentages, with a product portfolio that includes Assurance Santé (core health insurance), Couverture Médicale (employer medical coverage), Assurance Prévoyance (provident insurance), and tailored modules for SMEs and large employers. Family members of policyholders are eligible for coverage without age or health restrictions, and the institution markets efficiency and responsiveness in claims processing as core functional benefits.

The business operates on a subscription/recurring premium model, distributing policies through a direct sales force that engages HR departments and business owners. Service delivery is anchored by a national proximity network of more than 500 hospitals and clinics, 250 pediatricians, 50 radiologists, 50 cardiologists, and 200 surgeons, alongside partnerships with pharmacies and laboratories that provide in-kind care to insured members. The GTM is sales-led and primarily digital-light: a corporate website (ipmsantepourtous.com) and email newsletter supplement direct field engagement, with no mobile app or public API in operation.

SANTE POUR TOUS is a private mutual entity headquartered at 124 Rue Mousse Diop in Dakar with approximately 20 employees and operates exclusively within Senegal. There is no disclosed parent company, external investor, or funding history; ownership appears self-governed under the IPM regulatory structure. The company's core technology is not publicly disclosed, and its competitive position rests on its regulated IPM status, its established nationwide provider network, and more than 30 years of continuous operating history rather than on proprietary technology or data assets.

Name

SANTE POUR TOUS

Legal name

Institution de Prévoyance Maladie, SANTE POUR TOUS

Website

https://ipmsantepourtous.com

Company type

Private

Founded year

1991

Operating status

Operating

Headcount range

11–50 employees

Short description

SANTE POUR TOUS (IPM) is a Senegalese private health insurance institution founded in 1991 that provides employer-sponsored medical, pharmaceutical, and hospitalization coverage to employees and their families through a national network of 500+ healthcare providers.

Ownership category

akta.pro rank

Product category

Health Insurance

NAICS

Health and Welfare Funds (525120)

SIC

Hospital & Medical Service Plans (6324)

akta.pro primary industry

Ancillary Benefits TPA (Dental/Vision/Life/Accident/Critical Illness) (HLAEALAN)

Keywords

• Health insurance
• Employer health coverage
• Medical insurance plans
• Provident insurance
• Employee benefits

Headquarters

HQ city

Dakar

HQ country

Senegal

HQ region

Africa

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales

Revenue model

1. Health Insurance Premiums: The institution generates revenue through insurance premiums paid by employers and/or employees. Employers subscribe their workforce to health coverage plans, paying regular premiums that fund the partial coverage of medical, pharmaceutical, and hospitalization expenses.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels2 records

Core offering

SANTE POUR TOUS is a Senegalese social protection institution (Institution de Prévoyance Maladie) that delivers health insurance and medical coverage plans to employers and their employees. Its products provide partial coverage of medical, pharmaceutical, and hospitalization expenses for workers and their family members, distributed through a national proximity network of hospitals, clinics, pharmacies, laboratories, and medical specialists.

Product overview

SANTE POUR TOUS (Institution de Prévoyance Maladie) is a social protection institution providing health insurance and medical coverage for workers and their family members. The company operates as a unified product portfolio centered on health insurance offerings, including Assurance Santé (core health insurance), Couverture Médicale (employer medical coverage), and Assurance Prévoyance (provident insurance). Additional modules include employer services and SME-specific offerings. All products provide partial coverage of medical, pharmaceutical, and hospitalization expenses according to regulated percentages, with a focus on healthcare access, efficiency, and responsive claim processing.

Differentiator

Problem solved

Functional benefit

Products and services

• Assurance Santé Health insurance plans designed to protect affiliates (workers) and their families with coverage for medical, pharmaceutical, and hospitalization expenses. Targeted at employers seeking health benefits for their workforce.
• Couverture Médicale Medical coverage service tailored for employers who want to provide health insurance coverage to their employees, including partial coverage of medical, pharmaceutical, and hospitalization expenses.
• Assurance Prévoyance Provident insurance plans formulated to protect the future of employees and their families, addressing risks of serious illness and accidents that may result in definitive or temporary work stoppage.
• Services Employeurs Tailored health and wellness coverage solutions for businesses and organizations of all sizes, designed to help employers care for the health and well-being of their employees.
• Services PME Flexible insurance packages designed specifically for small and medium enterprises (PMEs), adapted to their budgets and varied needs.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core.

• Hospitals and Clinics NetworkcoreOthersIPM-Sante Pour Tous has established a network of over 500 hospitals and clinics across Senegal to provide healthcare services to its insured members.
• Pharmacy NetworkcoreOthersPartnership with pharmacies for prescription drug coverage as part of the health insurance plans.
• Medical Laboratory NetworkcoreOthersCollaboration with medical laboratories for diagnostic testing coverage.
• Medical Specialist NetworkcoreOthersNetwork includes 250 pediatricians, 50 radiologists, 50 cardiologists, and 200 surgeons providing specialized medical care.

Scale indicators3 records

Recent moves5 records

Expansion highlights3 records

Direct peers

• Wafa Assurance Senegal: Moroccan-backed insurer with Senegalese operations offering health and life products to employers and individuals. Comparable employer-focused health insurance model and similar pan-African/regional positioning.
• Askia Assurances Senegal: Senegalese insurance company offering health, life, and provident products to individuals and corporates. Competes in the same employer-sponsored health coverage market as SANTE POUR TOUS with comparable SME focus.
• NSIA Vie Assurances Senegal: Pan-African insurance group with significant Senegalese operations covering health, life, and provident products for employers and workers. Highly comparable in target customer (employers, workers, families) and product set (mutuelle-style health and provident insurance).
• SUNU Assurances Senegal: Pan-African insurance group with Senegalese operations offering health, life, and provident products. Competes directly with SANTE POUR TOUS for employer-sponsored health coverage in Senegal and shares the mutual/social protection positioning.

Broad incumbents

• AXA Senegal: Subsidiary of global insurer AXA offering health, life, and P&C products to Senegalese employers and individuals. Directly competes in employer-sponsored health coverage with deeper capital and broader product lines, though it does not specialize in the IPM mutual model.
• Saham Assurance / Sanlam Senegal: Pan-African insurance group (Sanlam acquired Saham) with operations across francophone West Africa including Senegal. Offers health and life products to corporates, broadly competing with SANTE POUR TOUS as a larger, capital-rich incumbent.
• Allianz Senegal: Local arm of Allianz providing health and life insurance to Senegalese corporates. Overlaps in employer-sponsored health coverage but operates as a broader multi-line insurer rather than a dedicated mutual.

Emerging players

• La Mutuelle de Santé des Commerçants du Sénégal (and similar mutuelles): Local Senegalese mutual health organizations serving specific professional groups with similar employer-tied health coverage models. Compete at the segment level but lack SANTE POUR TOUS's cross-sector reach and 30-year brand.

Others

• CFAO Healthcare & Sanofi Senegal (insurance-adjacent): Healthcare distribution and pharmacy operators in Senegal that interact with health insurers through provider networks. Adjacent ecosystem participant rather than direct competitor, but relevant to provider-network dynamics.

Regional players

• Prudential Beneficial Life Insurance Senegal: Pan-African insurance group operating in multiple West African markets with health and life products. Comparable employer-sponsored model though less focused on the Senegalese mutual niche.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/ipm-sante-pour-tous

Revenue estimate

Valuation estimate

Number of profiles

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 SANTE POUR TOUS