Régime Local d'assurance maladie Alsace-Moselle

What Régime Local d'assurance maladie Alsace-Moselle does

The Régime Local d'assurance maladie Alsace-Moselle is a statutory mandatory complementary health insurance regime operating exclusively in the French Alsace-Moselle region (Bas-Rhin, Haut-Rhin, and Moselle departments). It was established by decree on 12 June 1946 with roots in 1919 German Bismarck-era social legislation maintained after the region's reintegration into France, and was permanently codified by the Law of 31 December 1991. The regime covers approximately 2.1 million beneficiaries as of January 2025, comprising 1.6 million insured persons and 472,000 dependents, including active employees, qualifying retirees, and dependent children up to age 24. It provides enhanced reimbursements beyond the French basic social security regime: 90% for physician visits (versus 70%), 100% for hospital stays and daily hospital charges (versus 80%), and 100% for medical transport (versus 55-65%).

The regime's core offering is the "Complément de remboursement maladie" supplemented by prevention programs (€2.3 million annual budget funding 97 projects in 2025), the MonPsy mental health device, medical telemonitoring coverage, dental care coverage (including €14 million annually for care dereimbursed by the basic regime since October 2023), and participation in Local Health Contracts across 15 territories. There are no proprietary technology platforms; the regime operates entirely through the French social security infrastructure, with reimbursements processed via three CPAMs (Bas-Rhin, Haut-Rhin, Moselle), salary contributions collected by URSSAF through employer DSN declarations, and retiree management handled by CARSAT Alsace-Moselle.

The business model is a single 1.3% employee-only contribution on uncapped gross salary (reduced from 1.5% in April 2022), with no employer contribution. Collection is mandatory and automatic for eligible workers based on employment location under Article L325-1 of the Social Security Code. In 2024, the regime generated €512.3 million in revenue (+3.6% YoY) against €538.5 million in expenses (+8.9% YoY), with 99% of charges directed to beneficiary health expenses and only ~0.7% to operating costs, reflecting extreme administrative efficiency enabled by the shared infrastructure model. The organization is governed by a 29-member board of directors representing insured persons designated by trade unions, with a lean internal team of approximately twelve people, half of whom are also embedded within CARSAT Alsace-Moselle.

Name

Régime Local d'assurance maladie Alsace-Moselle

Legal name

Régime Local d'assurance maladie Alsace-Moselle

Website

https://regime-local.fr

Company type

Private

Founded year

1919

Operating status

Operating

Headcount range

1–10 employees

Short description

Statutory mandatory supplementary health insurance regime covering 2.1 million beneficiaries in France's Alsace-Moselle region. Funded by a 1.3% employee salary contribution, it delivers enhanced healthcare reimbursements beyond the national basic regime through social security infrastructure partnerships.

Ownership category

akta.pro rank

Product category

Statutory Complementary Health Insurance

NAICS

Health and Welfare Funds (525120), Direct Health and Medical Insurance Carriers (524114), Insurance and Employee Benefit Funds (5251)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Individual Supplemental Health (Hospital Indemnity, Critical Illness, Accident) (FSAIAEAD)

akta.pro secondary industries

Worksite Hospital Indemnity Insurance (FSAIAMAB), Standalone Hospital Indemnity Insurance (FSAIAKAB), Voluntary/Worksite Critical Illness & Hospital Indemnity (Employee-Paid) (FSAIAKAF)

Keywords

• Complementary health insurance
• Statutory health regime
• Healthcare reimbursement
• Regional social insurance
• Public health coverage

Headquarters

HQ city

Strasbourg

HQ country

France

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Others

Revenue model

1. Employee salary contributions: The Régime Local is financed by a single 1.3% contribution rate applied to employees' uncapped gross salaries. The contribution is collected by employers and remitted to URSSAF (Union for the Collection of Social Security Contributions and Family Allowances). There is no employer contribution - only the employee portion.
2. Retiree pension contributions: A 1.3% contribution is collected on all pension benefits (including base and complementary pensions from all French and foreign retirement schemes) for retirees who meet the eligibility conditions. Collection is handled by CARSAT Alsace-Moselle and other pension-paying organisms.
3. Unemployment benefit contributions: Contributions are also collected on unemployment benefits for beneficiaries who held Régime Local rights through their previous employment. Eligible unemployed persons retain their Régime Local coverage throughout the period they receive replacement income from Pôle Emploi.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

The Régime Local d'Assurance Maladie Alsace-Moselle is a mandatory complementary health insurance regime providing enhanced reimbursement of medical expenses for eligible employees, retirees, and dependents in the Alsace-Moselle region (Bas-Rhin, Haut-Rhin, Moselle). It supplements the French basic social security regime with higher reimbursement rates (90% physician visits vs. 70%, 100% hospital stays vs. 80%, 100% medical transport) and covers the daily hospital flat-rate charge. The regime also funds health prevention programs and operates as a solidarity-based statutory body.

Product overview

Régime Local d'assurance maladie Alsace-Moselle operates as a complementary health insurance regime providing enhanced reimbursement coverage beyond the French basic social security system for 2.1 million beneficiaries in Alsace-Moselle. The core offering is the Complément de remboursement maladie (core product) covering physician visits at 90%, hospital stays at 100%, dental care, and medical transport. The regime supplements this with specialized modules including prevention actions (Actions de prévention en santé), the MonPsy mental health program, medical telemonitoring, dental care coverage (including dereimbursed care), and participation in local health contracts (Contrats Locaux de Santé). The Cotisation déplafonnée 1.3% funds these benefits through a single employee-only contribution with no employer contribution. The regime also participates in the Territoire Santé de Demain digital health innovation program.

Differentiator

Problem solved

Functional benefit

Products and services

• Complément de remboursement maladie (Complementary Health Reimbursement) Core complementary health insurance product providing enhanced reimbursement of medical expenses beyond the French basic social security regime, covering physician visits at 90%, hospital stays at 100%, dental care, medical transport, and prescribed medications. For 2.1 million beneficiaries in Alsace-Moselle.
• Actions de prévention en santé (Health Prevention Programs) Health prevention programs targeting cardiovascular diseases, cancers, COPD, mental health, vision and hearing disorders, and professional health, with an annual prevention budget of €2.3 million supporting 97 projects in 2025.
• Dispositif MonPsy (Mental Health Support Program) Mental health support program completing reimbursement of psychological sessions to 90% (€36 for evaluation session, €27 for follow-up sessions), addressing mental health prevention priorities in the region.
• Territoire Santé de Demain (TSD) Digital Health Innovation Program Ten-year digital health innovation program to accelerate digital health innovations including AI for chronic disease management and digital applications for smoking cessation. Régime Local participates in the project team and steering committee.
• Prise en charge des soins dentaires déremboursés (Coverage of Dereimbursed Dental Care) Coverage of dental care including ticket modérateur at 30% for care dereimbursed by basic insurance since October 2023, with €14 million in annual expenditure to compensate for the 10% reduction in dental care reimbursement by the mandatory health insurance.
• Espace membre (Member Portal) Secure member portal providing access to personal health insurance information, rights documentation, and beneficiary services for Régime Local members.

Quantifiable outcome

• 99% of revenue directed to beneficiary health expenses with only 0.7% for operating costs
• +4 more outcomes

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and minor.

• CPAM (Caisses Primaires d'Assurance Maladie)coreStrategic or Co-development PartnerThe 3 CPAMs of Bas-Rhin, Haut-Rhin, and Moselle are the operational partners responsible for beneficiary affiliation to the Régime Local, reimbursement processing, and rights management. They provide exclusive services for Régime Local beneficiaries, handling all healthcare reimbursements including the Régime Local supplement. The Régime Local pays a contribution equal to 0.5% of benefits paid to CNAM for these services.
• CARSAT Alsace-MosellecoreStrategic or Co-development PartnerCARSAT Alsace-Moselle verifies retiree rights to the Régime Local based on career contributions and collects pension contributions. It is the sole competent body for all Régime Local retirees regardless of residence. The Régime Local pays 0.5% of collected contributions to CARSAT for these services. CARSAT Alsace-Moselle also hosts administrative staff of the Régime Local.
• URSSAFcoreStrategic or Co-development PartnerURSSAF handles collection of salary-based contributions through the employer payroll system. Contributions are declared by employers via DSN (Déclaration Sociale Nominative) and centralized with other social contributions. This partnership enables efficient, automated contribution collection without requiring individual beneficiary action.
• ARS Grand Est (Agence Régionale de Santé)coreStrategic or Co-development PartnerARS Grand Est co-finances prevention actions and participates in defining the regional health project. The Régime Local is a co-signatory of Local Health Contracts (Contrats Locaux de Santé - CLS) in 15 territories across Alsace-Moselle, working with ARS on health prevention priorities.
• Institut du Droit LocalminorOthersScientific and documentary organization specializing in Alsace-Moselle local law. The Régime Local directs inquiries about local labor law (public holidays, waiting periods for sick leave) to this organization, as such matters fall outside the Régime Local's scope.
• Alliance du CœurminorStrategic or Co-development PartnerPartnership with patient association for cardiovascular disease prevention. The Régime Local has worked with Alliance du Cœur for over 20 years on cardiovascular prevention, participating in annual public information days ('Journées du Cœur'). The partnership includes publication of patient information brochures ('Cool la Vie' series) covering topics like cholesterol management, living with cardiovascular disease, and diabetes prevention.
• Alsace CardiominorStrategic or Co-development PartnerCardiovascular patient association in Alsace, agréé by ARS Grand Est (agreement #2022-5632). The Régime Local partners with Alsace Cardio for public information days ('Journées du Cœur') in the Alsace region, complementing the national partnership with Alliance du Cœur.
• AFPR AppliminorStrategic or Co-development PartnerPartnership to fund the AFPR Appli first responder application that alerts trained citizens (first responders) when cardiac arrests occur nearby. The app is connected to emergency services (15 and 18) and geolocates the nearest first responders to increase survival rates. 50,000 people suffer cardiac arrest annually in France with only 8% survival rate; each minute without action reduces survival chances by 10%.
• Local Health Contracts (Contrats Locaux de Santé) partnerscoreStrategic or Co-development PartnerThe Régime Local is co-signatory of Local Health Contracts (CLS) in 15 territories: Thionville Fensch, Eurométropole de Metz, CA de Forbach, CC de Sarrebourg, CC du Pays de Bitche, CA de Sarreguemines Confluences, Eurométropole de Strasbourg, Ouest Bas-Rhin, CC de Guebwiller, CC d'Altkirch, CC du Saulnois, Ville de Mulhouse, PETR du Pays de Thur Doller, St-Louis Agglomération, and Warndt Naborien. The Régime Local commits to specific prevention action sheets within each CLS.
• Territoire Santé de Demain (TSD) consortiumcoreStrategic or Co-development PartnerThe Régime Local joined the TSD consortium on May 19, 2021, a 10-year program led by Eurométropole de Strasbourg to improve population health through digital innovation diffusion. The program, selected in 2019 through the TIGA (Territoires d'Innovation de Grande Ambition) national call for projects, focuses on areas like AI for chronic disease management and digital applications for smoking cessation. The Régime Local participates in the project team and steering committee.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• Groupama: Major French mutual insurer with strong regional (including Alsace-Moselle) presence in individual and worksite complementary health insurance; comparable on enhanced-reimbursement products and regional mutual governance.
• SwissLife France: Insurer offering individual and group complementary health, death/disability and savings products in France; comparable in product architecture (hospital indemnity, daily hospital indemnity, medical reimbursement top-ups).
• AG2R La Mondiale: Major French life, health and retirement insurance group with strong worksite health and prévoyance offerings that compete with the Régime Local in employer-sponsored complementary coverage.
• Malakoff Humanis: Leading French group protection insurer offering health, prévoyance and retirement benefits through employer-sponsored contracts; comparable in worksite distribution and supplementary health reimbursement mechanics.
• Crédit Agricole Assurances: Insurer offering complementary health and prévoyance products to bank customers and via partner networks; operates group health schemes comparable to the Régime Local's worksite design.

Emerging players

• Alan: Digital-first French health insurer providing simplified complementary health contracts to employees and SMEs; serves as a counterpoint to the Régime Local's traditional, infrastructure-heavy operating model.

Direct peers

• La Mutuelle Générale: French mutuelle serving employees and retirees of French public-sector and large private employers with health and prévoyance benefits; structurally similar as a complementary health cover for a defined employee population.
• MGEN (Mutuelle Générale de l'Éducation Nationale): Large French mutuelle providing mandatory and voluntary complementary health insurance to a defined population (public-sector education workers), operating a solidarity-based contribution model analogous to the Régime Local's role for Alsace-Moselle residents.
• Harmonie Mutuelle: Major French complementary health insurer offering worksite and individual health coverage with enhanced reimbursement rates; comparable to the Régime Local's hospital and physician top-up benefits at national scale.
• Henner: French specialist in group health, prévoyance and international mobility benefits; highly comparable in worksite distribution and in offering supplemental hospital/medical coverage as a primary product line.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/286337526110430
• LinkedInlinkedin.com/company/r%C3%A9gime-local-alsace-moselle

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Régime Local d'assurance maladie Alsace-Moselle