What SOLAE PREVOYANCE does

Solaé Prévoyance is a French insurance brokerage firm (cabinet de courtage) headquartered in Rennes that specializes in complementary health insurance products tailored for vulnerable populations. Operating as an ORIAS-registered intermediary (#10 054 505) under ACPR supervision, the company is mandated by its clients rather than by insurance carriers, and serves legally protected adults (majeurs protégés under tutelle/curatelle), EHPAD and USLD nursing home residents, ASH social-housing assistance beneficiaries, disabled workers in ESAT, persons with disabilities, and CSS-eligible low-income households — delivering coverage at prices reportedly up to three times below market alternatives.

The product portfolio comprises seven core offerings (Mutuelle Majeurs Protégés, Mutuelle EHPAD, Gamme ASH, Mutuelle ESAT, Complémentaire Santé Personnes Handicapées, CSS, Mutuelle USLD) underwritten primarily through a partnership with Miltis mutual insurance (a sister entity within Groupe Alptis) and structured around monthly subscription pricing ranging from €8 (young CSS beneficiaries) to €80+ (institutional ASH rates). Distribution is relationship-driven rather than technology-led: sales run through MJPM (judicial guardians), family proxies, CCAS municipal social action centers, and dedicated partnership charters with territorial authorities such as Métropole de Lyon and Département du Nord. The technology footprint is minimal — standard third-party hosting via Google Cloud and Celeonet — with no proprietary platform.

Solaé is a wholly-owned subsidiary of Groupe Alptis, a non-profit societal enterprise (entreprise sociétale à but non lucratif) operating with zero shareholders and reinvesting surpluses into member services. Founded operationally in 2010 with roots in 30 years of founder experience, the company has accumulated 35,000+ contracts covering 18,000+ protected adults and partnered with 2,200+ tutelary structures. Following the April 2026 appointment of Alexis Carrier as Directeur Général, the company is positioned for accelerated expansion, with a stated ambition to replicate the ASH solidarity model nationally across approximately 50 interested departmental councils.

Name

SOLAE PREVOYANCE

Legal name

SOLAE PREVOYANCE

Website

https://solae-prevoyance.fr

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

1–10 employees

Short description

Solaé Prévoyance is a Rennes-based French insurance brokerage specializing in complementary health insurance for vulnerable populations, including legally protected adults, nursing home residents, ASH beneficiaries, and disabled workers. It operates as a wholly-owned subsidiary of non-profit Groupe Alptis, distributing solidarity-priced coverage via judicial guardians and public institution partnerships.

Ownership category

akta.pro rank

Product category

Insurance Brokerage — Complementary Health Insurance

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Medicare Plan Distribution & Brokerage (Captive, Independent, FMOs) (FSAIAGAH)

Keywords

• Complementary health insurance
• Insurance brokerage services
• Vulnerable population coverage
• Social protection insurance
• Health mutual brokerage

Headquarters

HQ city

Rennes

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. Insurance Brokerage Commissions: Solaé Prévoyance operates as an insurance intermediary (courtier) mandated by clients or their representatives to find adapted coverage or build custom solutions. The company earns commissions from insurance providers for placing policies. As part of the non-profit Groupe Alptis, surplus revenues are reinvested into the organization rather than distributed to shareholders.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Solaé Prévoyance is an insurance brokerage firm (cabinet de courtage) that identifies and constructs complementary health insurance offers adapted to the needs and budgets of vulnerable persons. Operating as a mandated representative of its clients (not insurers), the firm delivers tailored mutuelle products covering transport to health professionals, hearing aid batteries, pedicure, and other benefits typically excluded from standard contracts, distributed via MJPM, CCAS, and public institution partnerships.

Product overview

Solaé Prévoyance operates as a brokerage firm specializing in complementary health insurance for vulnerable populations. The product portfolio centers on specialized insurance products designed for legally protected adults (majeurs protégés), nursing home residents (EHPAD), Social Housing Assistance beneficiaries (ASH), disabled workers in sheltered employment (ESAT), people with disabilities, and USLD residents. Core products include Mutuelle Majeurs Protégés, Mutuelle EHPAD, Gamme ASH (offered in partnership with Miltis), Mutuelle Travailleurs Handicapés en ESAT, Complémentaire Santé pour les personnes handicapées, Complémentaire Santé Solidaire (CSS), and Mutuelle USLD. The company also provides supplementary services including decision-support tools, template correspondence for exercising insured rights, webinars on health protection and legal protection, and legal assistance services integrated into contracts.

Differentiator

Problem solved

Functional benefit

Products and services

• Mutuelle Majeurs Protégés Specialized complementary health insurance for adults under legal protection measures (tutelle, curatelle, sauvegarde de justice), covering specific healthcare needs of vulnerable individuals and assisting their legal representatives, without medical questionnaire.
• Mutuelle EHPAD Complementary health insurance for residents of EHPAD (dépendance nursing homes), covering medical expenses outside the establishment and complementing the healthcare package (forfait soins) provided by Assurance Maladie, starting from €60.25 per month regardless of age.
• Gamme ASH - Aide Sociale à l'Hébergement Solidarity complementary health insurance designed in partnership with Miltis for beneficiaries of Social Housing Assistance (ASH), covering services typically excluded from standard contracts (refused transport, compression stockings, pedicure, alternative medicine, hearing prosthetics, orthopedic equipment) at reduced contribution rates pegged to 8.25% of ASPA.
• Mutuelle Travailleurs Handicapés en ESAT Collective mandatory complementary health insurance for disabled workers in ESAT (Etablissements et Services d'Accompagnement par le Travail), adapted to comply with the Plein Emploi law effective July 1, 2024, at less than €30 per month per worker.
• Complémentaire Santé pour les personnes handicapées Complementary health insurance specifically designed for people with disabilities, covering specialized equipment (wheelchairs, hearing aids), rehabilitation treatments, medical transport, and assistance in finding specialists.
• Complémentaire Santé Solidaire (CSS) Subsidized complementary health insurance (formerly CMU-C and ACS) for households with limited resources, offering free or low-cost coverage (€8 to €30 per month depending on age) with no advance payment required at participating healthcare providers.
• Mutuelle USLD Complementary health insurance for residents of Unités de Soins Longue Durée (USLD), covering medical and paramedical care, hospitalization costs, and accommodation fees for individuals requiring prolonged medical care.

Quantifiable outcome

• Up to 3x cheaper than market alternatives for health coverage
• +5 more outcomes

Named customers7 records

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eleven partnerships are on record, tiered core, secondary, flagship, minor and operational.

• Département du NordcoreStrategic or Co-development Partner · 1 January 2025The Nord department signed a charter with Solaé Prévoyance and local MJPM to extend the solidarity health model previously deployed in Lyon. This partnership allows ASH beneficiaries in northern France to access adapted coverage at reduced rates.
• ANDICATsecondaryGTM or Marketing Partner · 21 March 2024ANDICAT is the national association of ESAT managers. Solaé participated as exhibitor/speaker in the 2024 National Meetings (Rencontres Nationales) at Beffroi de Montrouge, addressing evolution of disabled worker status and collective health coverage requirements.
• MiltiscoreStrategic or Co-development Partner · 1 September 2023Miltis is a solidarity mutual insurer protecting more than 135,000 persons, adossée au groupe Alptis (linked to Alptis). Solaé partnered with Miltis to design and deliver the 'ASH – Aide Sociale à l'Hébergement' product range, combining adapted benefits with moderate contributions.
• Métropole de LyonflagshipStrategic or Co-development Partner · 1 September 2023Métropole de Lyon signed a partnership charter with Solaé Prévoyance and the MJPM collective to deploy a solidarity health coverage for ASH beneficiaries. The Métropole limits monthly contribution support to 8.25% of ASPA (€78.65) and promotes the initiative through its networks.
• MJPM Collectif du RhôneflagshipStrategic or Co-development Partner · 1 January 2023Collective of Judicial Guardians in Rhône department that issued a private call for tenders to 86 health insurers and unanimously selected Solaé Prévoyance for ASH beneficiary coverage. This collective drives innovation in solidarity health coverage.
• COMAJEPHminorGTM or Marketing Partner · 3 June 2022COMAJEPH (MJPM preposés d'établissements publics, hospitaliers et médico-sociaux des Hauts-de-France) organized a colloquium on individualization of protection measures. Solaé was present as partner alongside the regional chamber of individual MJPM and CREAI des Hauts-de-France.
• Groupe AlptiscoreStrategic or Co-development Partner · 1 January 2019Solaé Prévoyance is a wholly-owned subsidiary of Groupe Alptis, a non-profit societal company (entreprise sociétale à but non lucratif) that has been operating for 35 years. Alptis manages 875,000 contracts for 530,000 beneficiaries. The group operates under a unique associative model with 0 shareholders, reinvesting surpluses into member services. Solaé joined Alptis in 2019 to strengthen its action toward vulnerable populations.
• ANMJPM (Association Nationale des MJPM)flagshipStrategic or Co-development PartnerANMJPM is the National Association of Judicial Guardians to the Protection of Adults. Their Co-President Dominique Cailhol publicly recognizes Solaé as an 'unavoidable actor' in major protection and member of a non-profit group operating on democratic principles.
• Alptis AssurancesoperationalOthersAlptis Assurances handles data storage for browsing data (25 Cours Albert Thomas, 69003 Lyon). This is an intra-group arrangement for data management.
• Google Cloud France SARLoperationalOthersGoogle Cloud France SARL (8 Rue de Londres, 75009 Paris) stores browsing data. Third-party cloud infrastructure for data management.
• CeleonetoperationalOthersCeleonet (70 rue Berthie Albrecht, 94400 Vitry-sur-Seine) provides web hosting services for solae-prevoyance.fr website.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Henner: Henner is a French insurance broker specializing in group health, prévoyance, and retirement benefits for corporations and individuals. Directly comparable to Solaé as a French independent broker intermediating health insurance products, though Henner's focus is corporate/employee benefits versus Solaé's vulnerable-population mandate.
• La Mutuelle Familiale: La Mutuelle Familiale is a French health mutual with a long heritage of serving families and vulnerable populations. Comparable to Solaé's mission and segment focus, and Carrier's most recent prior role before joining Solaé, indicating deep familiarity with the model.
• Miltis: Miltis is a solidarity mutual insurer protecting 135,000+ persons, adossée au Groupe Alptis (parent of Solaé). Direct comparator as a mutual insurer offering solidarity health coverage, and the actual risk-carrier partner for Solaé's flagship ASH product range.
• CCMO Mutuelle Santé: CCMO Mutuelle Santé is a French health mutual serving individuals, professionals, and corporate clients across France. Comparable to Solaé as a mutual offering complementary health coverage; Solaé's newly appointed CEO Alexis Carrier previously held direction-level roles at CCMO.
• APRIL: APRIL is one of France's largest insurance brokerages, specializing in health, prévoyance, and protection products for individuals and professionals. Comparable to Solaé as an independent broker intermediating complementary health coverage, though APRIL operates at far broader scale across all population segments rather than specializing in vulnerable populations.

Broad incumbents

• Harmonie Mutuelle: Harmonie Mutuelle is a major French health mutual serving over 4.5 million beneficiaries across individual, corporate, and public-sector segments. Comparable to Solaé as a complementary health coverage provider, though Harmonie's scale and portfolio breadth extend far beyond Solaé's vulnerable-population specialization.
• Klesia: Klesia is a French mutual insurance group specializing in health, prévoyance, and retirement for corporate clients, with deep expertise in social-protection schemes. Comparable to Solaé as a complementary health coverage intermediary serving specific population segments, though Klesia's focus is corporate/employer-sponsored rather than vulnerable individuals.
• Malakoff Humanis: Malakoff Humanis is one of France's largest mutual insurance groups, formed by the merger of Malakoff Médéric and Humanis, serving corporate and individual health/prévoyance/retirement needs. Comparable as a French mutual intermediary for health coverage, though operating at vastly larger scale across all segments including employer-sponsored plans.
• AXA France: AXA France is one of France's largest insurance carriers and distributors offering individual and group health, life, and prévoyance products. Comparable to Solaé as a French health insurance distributor, though AXA operates as a carrier and broad incumbent rather than a specialized vulnerable-population broker.

Emerging players

• CEGEMA: CEGEMA is a French insurance broker specializing in health, prévoyance, and protection for seniors, vulnerable persons, and dependents. Comparable to Solaé's vulnerable-population specialty, though CEGEMA focuses more on seniors generally and CSS distribution rather than Solaé's protected-adult/ASH niche.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/solae-prevoyance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

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 SOLAE PREVOYANCE