What UCR does

UCR (Union des Centrales Régionales) is a French insurance brokerage (courtage d'assurances) founded in 1988 and headquartered in Cambrai, Hauts-de-France. Structured as a Société par actions simplifiée (SAS) with €50,000 registered capital, the company operates under ACPR prudential supervision and ORIAS registration (number 07 000 616). UCR offers four subscription-based insurance product lines: Complémentaire Santé (supplementary health insurance for individuals, families, young adults, seniors, self-employed/TNS-Madelin, and Swiss cross-border workers), AnimÔMut (pet insurance for dogs and cats with five tiered formulas ranging from accident-only Vet'Accident to 90%+ reimbursement Vet'Excellence), Prévoyance (death, disability, dependency, and hospitalization indemnity coverage), and Obsèques (funeral expense insurance). The company serves primarily individual consumers and small B2B channels.

The technology stack consists of a conventional digital insurance platform with an Espace Client online portal and a mobile application (iOS and Android, branded UCR Assurances) that supports offline third-party payment card access, real-time reimbursement tracking, secure 3-step online contract renunciation, and healthcare professional search. Distribution is multi-channel: self-service online subscription (2-minute pet insurance flow, online health quotes), telephone-based advisors, home-based field advisors operating in departments 59/62/08, the C2G ASSURANCES broker intermediary platform, and a breeder/association partner network for AnimÔMut. The extended tiers-payants network enables cashless healthcare transactions across France, and the company advertises 48-hour reimbursement processing.

UCR's business model is commission-based brokerage: it distributes insurance products from underwriting carriers rather than underwriting itself, earning commissions on subscription premiums across its four lines. Pricing is monthly subscription, tiered by coverage level and customer profile, with promotional pricing available on pet insurance (10% lifetime discount for new subscriptions March 1 - June 30, 2026). Marketing relies on content marketing (educational blog), SEO, email newsletters, Facebook organic social, and a referral (parrainage) program. The company has no disclosed funding rounds, no M&A activity, and no parent company, indicating it is independently held and funded through retained earnings. UCR received the AFNOR Service France Garanti certification in March 2025 and maintains a 4.4/5 rating across 951 verified Google reviews.

Name

UCR

Legal name

UCR Société de courtage et de gestion d'Assurance en Société par actions simplifiée (SAS)

Website

https://ucr.fr

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

101–250 employees

Short description

UCR is a French insurance brokerage founded in 1988 and headquartered in Cambrai, distributing subscription-based health, pet, provident, and funeral insurance to individual consumers, families, self-employed professionals, and Swiss cross-border workers through digital, telephone, broker, and field-advisor channels.

Ownership category

akta.pro rank

Product category

Insurance Brokerage and Health Insurance Services

NAICS

Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

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

akta.pro primary industry

Captive Insurance Advisory & Management (FSAEADAF)

akta.pro secondary industry

Pet Insurance (FSAJAKAG)

Keywords

• Supplementary health insurance
• Pet insurance brokerage
• Funeral expense insurance
• Death and disability insurance
• Insurance intermediary services

Headquarters

HQ city

Beaumetz-lès-cambrai

HQ country

France

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Health Insurance (Complémentaire Santé): Subscription-based supplementary health insurance providing coverage for medical expenses not reimbursed by French Social Security. Offered to individuals, families, young people, seniors, self-employed (TNS-Madelin), and cross-border workers in Switzerland.
2. Pet Health Insurance (AnimÔMut): Subscription-based pet insurance (dogs and cats) covering accidents and illnesses. Offers multiple formula tiers with reimbursement rates from 60% to 90%, annual ceilings up to €2,500, and optional prevention packages.
3. Providence Insurance (Prévoyance): Subscription-based insurance covering dependency, death-disability, and daily hospitalization indemnities. Protects families against financial consequences of death, accidents, and long-term care needs.
4. Funeral Insurance (Obsèques): Subscription-based funeral expense insurance that covers costs of funeral arrangements, relieving family members from financial burden of end-of-life expenses.

Pricing tiers

Go-to-market motion2 records

Distribution channels5 records

Marketing channels5 records

Core offering

UCR is a French insurance brokerage that distributes subscription-based supplementary health insurance (Complémentaire Santé), pet insurance for dogs and cats (Anim'ÔMut), death and disability providence coverage (Prévoyance), and funeral expense insurance (Obsèques) to individual consumers and families across France. Policies are sold directly online, by telephone advisors, through regional broker partners (C2G ASSURANCES and breeder partners), and by in-person home advisors, with management and reimbursement tracked through a secure online portal and the UCR Assurances mobile application.

Product overview

UCR is a French insurance brokerage company offering a unified portfolio of health, pet, death/disability, and funeral insurance products. The core offerings include Complémentaire Santé (supplementary health insurance with Cassia, Filao, and Tonic 2 plans), AnimÔMut (pet insurance for dogs and cats with Vet'Accident, Vet'Essentiel, Vet'Confort, Vet'Premium, and Vet'Excellence formulas), Prévoyance (death and disability coverage), and Obsèques (funeral insurance). Customers interact with these products through the Espace Client online portal and the UCR Assurances mobile application. The product architecture is organized around a core insurance platform with specialized sub-brands (AnimÔMut for pet insurance) and multiple coverage tiers across each product line.

Differentiator

Problem solved

Functional benefit

Brands

• AnimÔMut: Pet health insurance brand for dogs and cats, offering accident and illness coverage with reimbursement up to 90% of veterinary expenses.
• Anim Omut

Products and services

• Complémentaire Santé Subscription-based supplementary health insurance product that covers medical expenses not reimbursed by French Social Security (consultations, medications, hospital, dental, optical, hearing aids) for individuals, families, young adults, seniors, self-employed (TNS-Madelin), and Switzerland cross-border workers.
• Anim'ÔMut (Pet Insurance for Dogs & Cats) Subscription-based pet health insurance for dogs and cats, covering accidents and illnesses with multiple formula tiers offering 60% to 90%+ reimbursement, annual ceilings up to €2,500, and optional preventive packages. Underwritten by UCR as the Anim'ÔMut sub-brand with no franchise on most formulas and lifetime coverage regardless of age.
• Prévoyance (Providence / Death & Disability Insurance) Subscription-based providence insurance providing financial protection for families against death, disability, dependency/long-term care, and daily hospital indemnities, including coverage for loss of income.
• Obsèques (Funeral Insurance) Subscription-based funeral expense insurance that pays out to cover funeral arrangements, protecting surviving family members from the financial burden of end-of-life costs.

Quantifiable outcome

• Reimbursements processed within 48 hours
• +2 more outcomes

Named customers4 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered core.

• C2G ASSURANCEScoreChannel Partner/ Reseller/ DistributorDedicated broker partner platform allowing insurance intermediaries to access and distribute UCR insurance products. Brokers can join the network to offer health and pet insurance to their existing clients, generating additional revenue streams.
• Breeder Partners (Éleveurs canins, félins, associations)coreChannel Partner/ Reseller/ DistributorFree partnership program for dog and cat breeders, associations, and pet businesses to offer AnimÔMut insurance products to their customers. Partners receive preferential terms, veterinary expense coverage for their animals, and financial incentives.
• Proximity Brokers (Courtiers de proximité)coreChannel Partner/ Reseller/ DistributorRegional insurance brokers who work with UCR as a wholesale broker (courtier grossiste), receiving client data and managing customer relationships on behalf of UCR.
• Third-Party Payment Network (Tiers Payants)coreTechnology or IntegrationExtensive network of healthcare providers (pharmacies, hospitals, specialists) who accept direct payment from UCR, eliminating advance payments for customers.

Scale indicators4 records

Recent moves6 records

Expansion highlights5 records

Emerging players

• Alan: Tech-enabled French health insurance company offering complémentaire santé primarily to individuals and SMEs. Comparable in the santé individuelle segment where UCR competes, with a stronger digital UX and employer distribution model.
• Dalma: French digital-native pet insurance startup offering dog and cat health coverage. Direct competitor in the AnimÔMut segment with a stronger mobile-first product experience and VC backing.
• Cocoon (previously AssurVeto): French pet insurance specialist offering dog and cat coverage with digital subscription. Directly comparable to AnimÔMut as a French pet-only insurer, with a similar online-first go-to-market approach.

Direct peers

• Henner: Independent French health and prévoyance broker and benefits administrator. Closely comparable to UCR as a courtier offering health and prévoyance solutions, with stronger group/corporate distribution.
• SPVIE Assurances: Independent French insurance broker offering health, prévoyance and lifestyle insurance products to individuals and professionals. Highly comparable in scale, brokerage model and product mix to UCR.
• Harmonie Mutuelle: Major French health-focused mutuelle offering complémentaire santé, prévoyance and related coverage. Most comparable to UCR on product mix and customer base (French individuals, families, TNS), but operating at substantially greater national scale.
• SantéVet: France's leading specialist pet health insurer, directly comparable to UCR's AnimÔMut product line. Operates nationally with a broader formula range and direct carrier model rather than brokerage.
• Malakoff Humanis: Leading French health and prévoyance specialist formed from the Malakoff Médéric and Humanis merger. Comparable on prévoyance, santé and obsèques products and group/individual dual distribution, though at significantly larger scale.

Broad incumbents

• AXA France: Large French retail insurer offering health, pet, prévoyance and obsèques products alongside broader P&C and life. Comparable on product breadth and target customer segments, but with vastly greater scale, brand recognition and carrier-owned distribution.
• Crédit Agricole Assurances: Bancassurance arm of Crédit Agricole distributing health, prévoyance and death/disability products through the bank's retail network. Comparable on the prévoyance and santé products UCR sells, with distribution advantages from a large banking parent.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/UCRassurance
• LinkedInlinkedin.com/company/ucrassurances

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 UCR