Néoliane

What Néoliane does

Néoliane Santé is a French insurance intermediary founded in 2010 and headquartered in Nice, operating exclusively in metropolitan France with a 54-person team. The company distributes an integrated portfolio of 23 individual insurance products across three categories: santé individuelle (10 health plans), prévoyance (10 protection products covering death, disability, dependence, and accidents), and risques divers (pet insurance, legal protection, and loan insurance). Products are structured with 5-8 formula tiers each, enabling price segmentation across adult age cohorts from 18 to 89.

Néoliane generates revenue through recurring premium commissions on policies underwritten by recognized partner carriers, including L'Équité (Generali group) for personal insurance, MutBleue for prévoyance, and Malakoff Humanis for social protection. The company does not sell direct-to-consumer; instead it operates a B2B2C model distributing exclusively through partner networks — VIASANTÉ Mutuelle, Malakoff Humanis (10M+ insured), PREPAR/BRED Banque Populaire (700K+ banking clients), MutBleue (319K+ insured), and a broker extranet for individual intermediaries. Policyholder-facing services are powered through integrations with Viamedis for third-party payment across the French healthcare network, and Filassistance and IMA for hospitalization and assistance services.

The underlying technology stack is a conventional insurance product platform backed by partner carrier systems, with member portals and broker extranets (extranet.neoliane.fr) serving as the primary digital interfaces. There are no native mobile applications, no disclosed APIs, and no documented AI/ML capabilities; the differentiated asset is the breadth of the catalog and the depth of distribution partnerships rather than proprietary technology.

Name

Néoliane

Legal name

Néoliane Santé

Website

https://neoliane-sante.fr

Company type

Private

Operating status

Operating

Headcount range

51–100 employees

Short description

Néoliane Santé is a French insurance intermediary that distributes 23 health, prévoyance, and miscellaneous risk products via exclusive partnerships with major French mutuelles, banks, and social protection groups, serving individual policyholders across metropolitan France.

Ownership category

akta.pro rank

Product category

Individual Health and Prévoyance Insurance

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242), Direct Health and Medical Insurance Carriers (524114), Direct Life Insurance Carriers (524113)

SIC

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

akta.pro primary industry

Standalone Critical Illness Insurance (FSAIAKAA)

akta.pro secondary industry

Hybrid Life + LTC (Linked-Benefit) Insurance (FSAIAJAB)

Keywords

• Complementary health insurance
• Individual prévoyance products
• Insurance partner distribution
• Personal insurance broker
• Miscellaneous risk insurance

Headquarters

HQ city

Not specified

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Individual Health Insurance Premiums: Monthly or annual premium payments from individual policyholders for health insurance coverage across 10 product lines (Néoliane Pulse, Performance, Quiétude, Énergik, Optima, Plénitude, Dynamique, HospiSanté, Innov'Santé, AltoSanté). Products range from responsible to non-responsive plans with varying coverage levels.
2. Prévoyance Insurance Premiums: Recurring premium revenue from prévoyance products covering death, disability, dependence, and accident coverage including Néoliane Dépendance, Protection GAV, IJH/Capital Décès, Obsèques, Tempo Décès, Multi-Accidents, Prév4en1, Soutien Financier, HospiZen, and Soutien Hospi.
3. Miscellaneous Risk Products: Premium revenue from pet insurance (Néoliane Chiens & Chats), legal protection (Néoliane Soutien Juridique), and loan insurance (Néoliane Emprunteur).

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels1 record

Core offering

Néoliane designs and distributes an integrated portfolio of individual insurance products for the French market, comprising 10 complementary health (santé) plans, 10 prévoyance (death, disability, dependence, accident) products, 2 miscellaneous risks products (legal protection, pet insurance), and a loan insurance offering. Products are underwritten by recognized insurance partners and distributed exclusively through mutual insurers, banking subsidiaries, social protection groups, and broker extranet channels rather than direct-to-consumer sales.

Product overview

Néoliane is a French insurance company offering an integrated portfolio of health insurance (santé individuelle) and providence/protection (prévoyance) products, as well as miscellaneous risks insurance. The product portfolio consists of 23 distinct insurance products organized into three main categories: (1) Santé Individuelle — 10 health insurance offerings including Néoliane Pulse, Performance, Quiétude, Énergik, Optima, Plénitude, Dynamique, HospiSanté, Innov'Santé, and AltoSanté; (2) Prévoyance — 10 protection products including Néoliane Dépendance, Protection GAV, IJH/Capital Décès, Obsèques, Tempo Décès, Multi-Accidents, Prév4en1, Soutien Financier, HospiZen, and Soutien Hospi; (3) Risques Divers — 2 products including Néoliane Soutien Juridique and Chiens & Chats; plus Néoliane Emprunteur for loan insurance. The offerings are insured through recognized partners including Viamedis, L'Équité/Generali, VIASANTÉ Mutuelle, MutBleue, Filassistance, Malakoff Humanis, PREPAR, and IMA. Néoliane operates member portals and broker extranets as customer-facing digital interfaces.

Differentiator

Problem solved

Functional benefit

Brands

• Néoliane Pulse: Offre santé responsable accessible dès 18 ans avec 8 niveaux de garanties.
• Néoliane Performance
• Néoliane Quiétude
• Néoliane Énergik
• Néoliane Optima
• Néoliane Plénitude
• Néoliane Dynamique
• Néoliane HospiSanté
• Néoliane Innov'Santé
• Néoliane AltoSanté
• Néoliane Dépendance
• Néoliane Protection GAV
• IJH / Capital Décès
• Néoliane Obsèques
• Néoliane Tempo Décès
• Néoliane Multi-Accidents
• Néoliane Prév4en1
• Néoliane Soutien Financier
• Néoliane HospiZen
• Néoliane Soutien Hospi
• Néoliane Soutien Juridique
• Néoliane Chiens & Chats
• Néoliane Emprunteur

Products and services

• Néoliane Pulse A responsible complementary health insurance product accessible to all persons aged 18 and over with no age limit, offering 8 levels of coverage.
• Néoliane Performance Health insurance accessible from age 18 with no age limit, offering 8 complete and evolutive formulas with fidelity bonuses.
• Néoliane Quiétude Health insurance offering 7 formulas with tailored benefits and reinforcements including hospitalization with private room and complementary medicine coverage.
• Néoliane Énergik Non-responsible health insurance offer accessible to all persons aged 18 to 89 inclusive, with 6 formulas at competitive rates.
• Néoliane Optima Health insurance accessible up to age 85, offering 5 formula choices with included assistance services.
• Néoliane Plénitude Health insurance accessible from age 18 with no age limit, offering 6 guarantee formulas with complementary medicine and other specific allowances.
• Néoliane Dynamique Health insurance accessible from age 18 with no age limit, offering 5 simple and evolutive formulas covering hospitalization and other medical expenses.
• Néoliane HospiSanté Innovative non-responsible health insurance product focusing exclusively on hospitalization coverage, unlike traditional complementary health insurance.
• Néoliane Innov'Santé Non-responsible health insurance accessible to all persons aged 18 minimum with no age limit, offering comprehensive coverage.
• Néoliane AltoSanté Non-responsible and competitive health insurance offer accessible to all persons aged 18 and over with no age limit, featuring 6 coverage levels.
• Néoliane Dépendance Providence insurance contract for persons aged 40 to 80 inclusive, featuring a main dependency guarantee.
• Néoliane Protection GAV Life accident protection insurance (Garantie des Accidents de la Vie) covering consequences of daily life accidents including burns, falls, and drowning.
• IJH / Capital Décès Providence protection offering daily allowances or death capital to beneficiaries in case of accident or illness.
• Néoliane Obsèques Life insurance contract in case of death that pays capital to designated beneficiary(ies) to finance funeral arrangements.
• Néoliane Tempo Décès Providence insurance protecting against death, total and irreversible loss of autonomy, or serious illness.
• Néoliane Multi-Accidents Insurance protecting against consequences of private life accidents (falls, burns, cuts, fractures) and accidental death.
• Néoliane Prév4en1 Innovative providence offer combining 4 providence guarantees in one product for comprehensive life risk protection at lower cost.
• Néoliane Soutien Financier Providence contract ensuring income maintenance in case of total temporary work incapacity (ITT) or dependency.
• Néoliane HospiZen Providence product providing supplementary budget with daily allowances from €20 to €150+ for hospitalizations due to illness or accident.
• Néoliane Soutien Hospi Providence offer providing peace of mind during hospital stays, accessible to all persons aged 18 and over with no age limit.
• Néoliane Soutien Juridique Legal support insurance providing assistance and protection in defending rights in case of disputes.
• Néoliane Chiens & Chats Pet insurance offering 5 levels of coverage from economic accident-only coverage to comprehensive plans.
• Néoliane Emprunteur Loan insurance guaranteeing credit repayment in case of life events, with potential savings of up to €10,000.

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

Eight partnerships are on record, tiered core and minor.

• ViamediscoreChannel Partner/ Reseller/ DistributorViamedis serves as an intermediary between individuals and healthcare professionals, enabling third-party payment (tiers payant) services. The network covers 100% of pharmacies practicing third-party payment in metropolitan France, all hospital facilities, over 95% of opticians, 90% of biologists, and 83% of radiologists across France.
• L'Équité (Generali)coreChannel Partner/ Reseller/ DistributorL'Équité Assurances is a Generali subsidiary specializing in personal insurance risks. It offers comprehensive tailored offerings in person insurance (Health & Prévoyance), property, affinity, and legal protection.
• MutBleuecoreChannel Partner/ Reseller/ DistributorMutBleue insures over 319,000 people in prévoyance and is a solid partner chosen by Néoliane Santé to cover all-cause death and total dependence products with high-end and competitive offerings.
• FilassistanceminorChannel Partner/ Reseller/ DistributorFilassistance, the assistance provider for Néoliane Santé INITIAL+, accompanies policyholders daily in case of hospitalization or immobilization. Also offers remote assistance and help with administrative procedures.
• Malakoff HumaniscoreChannel Partner/ Reseller/ DistributorWith more than 10 million insured, Malakoff Humanis is a major player in social protection in France (retirement, health, prévoyance, savings). Their trademark is personalization of solutions, developed in exclusive partnership with Néoliane Santé.
• PREPAR (BRED Banque Populaire)coreChannel Partner/ Reseller/ DistributorPREPAR, insurance subsidiary of BRED Banque Populaire created in 1984, serves over 700,000 insurance clients. With Néoliane Santé, PREPAR has created exclusive, tailored health and prévoyance offerings.
• Inter Mutuelles Assistance (IMA)minorChannel Partner/ Reseller/ DistributorNéoliane Santé Tranquillité chose IMA, the #1 assistance provider in France, to offer impeccable service quality in case of hospitalization, immobilization, or death: home help, childcare, psychological support, legal assistance and more.
• VIASANTÉ MutuellecoreChannel Partner/ Reseller/ DistributorVIASANTÉ Mutuelle is listed as a trusted partner of Néoliane Santé, contributing to the company's ecosystem of mutual insurance distribution.

Scale indicators3 records

Recent moves1 record

Expansion highlights4 records

Others

• AXA France: Leading French insurance incumbent offering individual health, life, and P&C products. Comparable as a French insurance provider but operates at massive scale with proprietary underwriting, contrasting with Néoliane's intermediary model.

Broad incumbents

• LeLynx.fr: French insurance comparison platform (part of British lacuna group) offering multi-line insurance including health. Comparable to Néoliane as a French insurance distribution intermediary, though broader across P&C and life lines.
• Assurland: French insurance comparison and brokerage platform across multiple lines (health, auto, home, life). Comparable to Néoliane's intermediary/broker role in the French insurance market with broader multi-line coverage.
• Malakoff Humanis: Major French social protection group (10M+ insured) covering health, prévoyance, retirement, and savings. Comparable because it is both a core Néoliane partner and a direct competitor in the same French health/prévoyance market.
• April: Major French insurance broker offering individual and group health, prévoyance, and P&C products through partner networks. Comparable to Néoliane's brokerage model but operates at significantly larger scale and broader product scope.

Direct peers

• Henner: French insurance broker specializing in group and individual health, prévoyance, and retirement products. Comparable to Néoliane in distribution approach and target segments, though with stronger group/corporate focus.
• Mutuelle.fr: French insurance comparison and brokerage platform specializing in individual health insurance. Comparable to Néoliane's distribution approach (broker/partner-led) and individual health insurance focus.
• Magnolia.fr: French digital insurance broker focused on individual health and prévoyance products. Comparable to Néoliane in customer base (French individuals seeking complémentaire santé) and broker-led distribution model.
• Santiane: French online insurance broker specializing in individual health (mutuelle santé) and prévoyance products distributed through partner networks and advisors. Closest direct comp to Néoliane given similar product breadth, channel model, and target customer.

Emerging players

• Alan: Tech-forward French health insurer offering digital-first health insurance to individuals and SMEs. Comparable because it targets the same French individual health insurance market, but differentiates through proprietary technology and direct-to-consumer model.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/neoliane

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 Néoliane