Following the success of his first complementary health offer for SMEs and VSEs, accompanied by the fundraising of 12M € and the gain of the confidence of fine companies such as Vente Privée, PayFit, or even Lendix, Alan is now tackling hui to the underdeveloped mutual health insurance market for the self-employed and freelancers.
If the basis of the offer remains the same as that intended for SMEs and VSEs- 100% digital, easy to understand and manage with registration in 5 minutes watch in handsome details have nevertheless been adapted. In particular around the tariff proposal which maintains its unique grid (with premiums varying from € 40 to € 85 depending on the age of the insured) but whose segmentation varies. Previously made by an age group of 10 years, it is now compartmentalized more precisely, by age. Signing up is as easy as ever, as is tracking your refunds. Alan even adds to his services the automatic edition of the documents necessary for the tax deduction provided for by the Madelin law. But unlike the offer released in October 2016, this one is subject to a minimum commitment of 12 months to guarantee the stability of the system.
Despite the attractive size of this market (more than 2.5 million people in France) and its dynamic growth thanks to the increasing uberization of services, the offers on the market remain few, expensive and offer a limited customer experience. Alan's offer for freelancers, therefore, seems perfectly suited to the market to which it is aimed by offering a readable, easy-to-use offer at competitive prices for a population that consumes or develops services offering an optimized customer experience. Armed with these two precious assets, Alan's ambition is to become the leader in this segment.
Even if Alan is a pioneer in the field, he is no longer alone in offering a complimentary digital health offer.
Indeed, it is closely followed by a second 100% digitized French player, OtherWise. On the form, this new actor seems to be the carbon copy of Alan. with an optimized customer journey but which would add the bonus of paying back up to 50% of the customer's contribution.
Despite their similarities in form, the substance is indeed different. Indeed, OtherWise wants to be “the first French collaborative insurance broker” online. It uses machine learning to train groups of individuals with similar profiles to pool risks. If the entire pot is not used at the end of the year, the remaining amount is returned to the policyholders. As the customer database grows, machine learning algorithms will be refined. This will make it possible to adjust the offer offered to the different pools as effectively as possible.
Just like OtherWise, which intends to use the data of its policyholders to strengthen its algorithms and offer an ever more personalized offer, Alan's American counterpart, Oscar, relies on the reporting of connected objects and prevention. to develop. Indeed, if the optimization of the customer experience was a first means of distinguishing itself from the competition, it was very quickly followed by diversified growth drivers mainly through mobile services linked to connected objects from which the information was collected. represent Oscar's true gold mine.
Institutional players also seem to have identified this windfall. Generali is an example of this with its Vitality offer for businesses. Insurance is coupled with a prevention program in which employees are encouraged to enter their health data, eating habits, lifestyle, etc. in an application. Data protection for program participants is now guaranteed by the anonymization of data. However, it is not unlikely that Generali will eventually use this new data to refine some of its offerings.
Unlike some players, Alan does not yet seem to rely on the use of customer data to refine his offer. Nevertheless, it is a pioneer in the digital health insurance market and, to date, offers the only real alternative to traditional insurance. Everything suggests that Alan, thanks to the simplicity of understanding and management of his offer, can succeed in establishing himself as a leader in the markets he is attacking.
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