caisse regionale assurance maladie ile de france

What caisse regionale assurance maladie ile de france does

CRAMIF (Caisse Régionale d'Assurance Maladie d'Île-de-France) is the regional arm of the French national health insurance system for the Île-de-France region, operating as a statutory public social security institution headquartered in Paris. The organization administers occupational risk, disability, and asbestos-related programs for approximately 12 million insured persons (including 4.8 million salaried insureds) across all 8 departments of Île-de-France — Paris, Seine-et-Marne, Yvelines, Essonne, Hauts-de-Seine, Seine-Saint-Denis, Val-de-Marne, and Val-d'Oise. It is led by Director General David Clair (appointed April 2017) and staffed by 1,611 employees working across four main sites in the 19th arrondissement of Paris.

The organization's core service lines fall into three statutory domains: disability pensions (Pension invalidité), asbestos cessation benefits (Allocation amiante), and medical equipment coverage (Service appareillage). It also operates two specialized physical facilities — the Centre médical et dentaire Stalingrad (medical/dental center) and Escavie (disability and autonomy resource center providing wheelchair evaluation) — and runs the École de service social, an accredited social-work training school. For employers, CRAMIF delivers occupational risk prevention services including 25 training courses across four domains, AT/MP (Accident du Travail / Maladie Professionnelle) contribution calculation and collection, financial subsidies for small businesses (Subventions prévention TPE), and a statistical portal for workplace-accident data. The underlying technology stack comprises web-based self-service portals for insureds, employers, and healthcare professionals, proprietary social-service management systems (GAIA, DEMETER, AGATA), and integrations with Doctolib, Demat@amiante, formation-prev.fr, net-entreprises.fr, and clicrdv.com for appointments, training, and declarations.

CRAMIF is funded through statutory employer and employee contributions to the French social security system, primarily AT/MP contributions calculated by company size, risk category, and claims history. Services to insured individuals are provided at no direct cost. Distribution is omnichannel across online portals, physical reception centers, the 36 79 telephone helpline, and departmental antennas. The organization reports a 20% reduction in workplace accidents in Île-de-France since 2015 as its principal quantified outcome and operates under RGPD and CCPA data-protection regimes with a dedicated DPO. CRAMIF is governed by a partnership-based mutual relationship with national social-security entities (CNAV, France Travail, CAF, Direction Générale des Finances Publiques) and health agencies.

Name

caisse regionale assurance maladie ile de france

Legal name

Caisse régionale d'assurance maladie d'Île-de-France

Website

https://cramif.fr

Company type

Private

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

CRAMIF is the regional French health insurance fund for Île-de-France, administering disability pensions, asbestos compensation, medical equipment coverage, and occupational risk prevention services for 12 million insured persons and all 8 departments of the region through a network of 1,611 staff.

Ownership category

akta.pro rank

Headquarters

HQ city

Paris

HQ country

France

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Others

Revenue model

1. Social Security Contributions: CRAMIF is funded through employer and employee contributions to the French social security system. The organization manages Accident du Travail/Maladies Professionnelles (AT/MP) contributions and calculates employer contribution rates based on company size, risk category, and claims history.
2. AT/MP Contributions: Employer-paid contributions covering workplace accident and occupational disease risks. Rates are calculated based on company size (collective rate for <20 employees, individual rate for >149 employees, mixed rate for 20-149 employees), risk category, and sinistrality.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

CRAMIF is the regional health insurance fund for the Île-de-France region of France, operating under the French national Assurance Maladie system. It delivers statutory health insurance services including disability pension management, asbestos cessation benefits, and medical equipment (appareillage) coverage, alongside occupational risk prevention for employers. It also operates a medical/dental center, a disability resource center (Escavie), and a social work training school (École de service social).

Product overview

CRAMIF provides a comprehensive suite of health insurance and occupational risk prevention services for Île-de-France. The core offerings include disability pension management (Pension invalidité), asbestos cessation benefits (Allocation amiante), and medical equipment coverage (Service appareillage). These are complemented by specialized facilities such as the Centre médical Stalingrad (medical and dental center) and Escavie (disability resource center), plus the École de service social (social work training school). For employers, CRAMIF offers professional risk prevention services including training programs, AT/MP contribution management, statistical analysis tools, and financial subsidies through an integrated online employer portal. The services are connected through shared platforms for online claims processing, appointment scheduling, and administrative management.

Differentiator

Problem solved

Functional benefit

Products and services

• Pension d'invalidité Disability pension management service for insured individuals covered by the French social security system in Île-de-France, allowing online access to disability rights, claim filing, and pension dossier tracking.
• Allocation amiante Asbestos cessation benefit service for workers exposed to asbestos, providing eligibility simulation and online claim management.
• Service appareillage Medical equipment coverage service for assistive devices (wheelchairs, prosthetics, orthotics) covering administrative management and reimbursement processing for insured individuals and suppliers.
• Centre médical et dentaire Stalingrad Medical and dental center operated by CRAMIF providing healthcare services to insured individuals in the Paris 19th arrondissement, Monday-Friday 8h-19h and Saturday 9h-13h.
• École de service social Social work school providing qualifying continuing education for professionals in the social, medico-social, and health sectors in Île-de-France.
• Escavie - Centre de ressources handicap Disability and autonomy resource center providing multidisciplinary evaluation, advice, orientation, and training for people with disabilities and professionals, including wheelchair testing and rehabilitation medicine consultations for departments 75 and 78.
• HandiAction Disability advice service providing guidance on disability-related resources and access to the Handifaction barometer for insured individuals.
• Service social Social services providing personalized support and accompaniment for insured individuals facing social difficulties, with online dossier tracking.
• Formation prévention des risques professionnels Professional risk prevention training program offering 25 courses across 4 domains: prevention approaches/methods, management of prevention, sector-specific risks, and specific professional risks, targeted at Île-de-France employers.
• Subventions prévention TPE Financial subsidies for small businesses with 1-50 employees to support occupational risk prevention training programs and equipment purchases.
• Services en ligne entreprise Online employer portal for managing occupational accident declarations, AT/MP contributions, and prevention services for Île-de-France employers.
• Compte professionnel de prévention (C2P) Professional prevention account tracking occupational hardship exposure points for employees exposed to risk factors, managed through employer services.
• Online procedures for medical equipment professionals New online services for medical equipment professionals (Professionnels de l'appareillage), expanding the 'Vos démarches administratives' platform to include equipment professionals and simplify their administrative procedures.

Quantifiable outcome

• 20% reduction in workplace accidents in Île-de-France since 2015
• +3 more outcomes

Named customers8 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration7 records

Feature6 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Caisses d'Allocations Familiales (CAF)coreOthersInformation sharing partnerships with family allowance funds for coordinated social support and benefit management for insured individuals.
• Direction Générale des Finances PubliquescoreOthersExchange of fiscal information for taxation of health insurance benefits and compliance with financial regulations.
• France TravailcoreOthersCoordination on return-to-work programs and employment support for individuals receiving health insurance benefits.
• Caisse Nationale d'Assurance Vieillesse (CNAV)coreOthersCoordination on retirement rights and pension calculations for beneficiaries of disability or asbestos compensation.
• Agences SanitairescoreOthersCollaboration with health agencies for public health surveillance, epidemiological studies, and health policy implementation.
• Fédération des Maisons d'Accueil Hospitalières (FMAH)coreStrategic or Co-development PartnerPartnership with the federation coordinating hospital reception houses, family houses, and parent houses across Île-de-France for supporting families of hospitalized patients from modest backgrounds.
• Institut National de Recherche et de Sécurité (INRS)coreStrategic or Co-development PartnerCollaborative relationship for developing occupational safety training programs, reference materials, and prevention methodologies used by CRAMIF's training offerings.
• APAVEminorChannel Partner/ Reseller/ DistributorReferenced training organization for lead risk and asbestos SS4 training, operating under CRAMIF's certification and referencing framework.
• CESAMEminorChannel Partner/ Reseller/ DistributorReferenced training organization for lead risk training under CRAMIF's certification framework.

Scale indicators6 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• CNAM (Caisse Nationale d'Assurance Maladie): National coordinating entity of the French health insurance system that defines policy and sets operational frameworks executed by CRAMIF and other regional funds. Most direct peer because CRAMIF operates as the regional implementation arm of CNAM for Île-de-France.
• CARSAT Île-de-France: Sibling regional social security fund for Île-de-France handling retirement pensions and workplace health (formerly merged with CRAMIF's predecessor). Closely comparable because it serves the same geography with complementary social security responsibilities.
• URSSAF Île-de-France: Regional agency responsible for collecting the social security contributions that fund CRAMIF's operations. A direct institutional peer because both operate within the French social security network serving the same employers in Île-de-France.
• CNAV (Caisse Nationale d'Assurance Vieillesse): National pension fund coordinating retirement benefits and one of CRAMIF's named partners. Direct peer as a national-level French social security institution with analogous administrative mandate and data exchange relationships.

Others

• CAF Île-de-France: Regional family allowance fund that CRAMIF coordinates with for joint social support delivery. A closely adjacent institutional peer delivering complementary welfare benefits to overlapping populations in Île-de-France.

Regional players

• AOK Bundesverband: Federation of German statutory health insurance funds operating under a comparable Bismarckian model. International peer because the underlying statutory health insurance logic — mandatory membership, contribution-based funding, regional administration — closely mirrors CRAMIF's role in France.
• NHS England: Public body commissioning and overseeing health services in England under a tax-funded model. International institutional peer reflecting CRAMIF's role as a publicly funded health administration entity serving a defined population, despite the different funding mechanism.

Broad incumbents

• GKV-Spitzenverband: Central association of all German statutory health insurers. Comparable as a national-level umbrella body for statutory health insurance, mirroring CNAM's relationship to CRAMIF within a parallel European statutory insurance system.
• AG2R La Mondiale: Major French social protection group offering complementary health, disability, and retirement insurance to individuals and employers. Adjacent commercial peer because it competes with CRAMIF's areas of activity for French employer-sponsored social protection budgets.
• Malakoff Humanis: Leading French social protection group providing health, prévoyance, and retirement coverage. Adjacent commercial peer because its product portfolio and employer customer base overlap with CRAMIF's domain in the French market.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xtwitter.com/cramif
• YouTubeyoutube.com/user/CRAMIF75019
• LinkedInlinkedin.com/company/cramif

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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