Alan’s Business Model
As a health partner, we make it a point to share transparently how we calculate insurance contributions and how we set fair pricing for the organizations we support.
The insurance premium
The Insurance premium
Our core principle: balancing your contributions and our reimbursements
Our principle is simple: aim for balance between what you pay in contributions and what we reimburse.For example, if we reimburse €50 per member per year, we set the contribution at €50.
No more, no less.
A fair price for every organization
To achieve this balance:
We calculate contributions to cover the reimbursements expected for the coming year. We adjust them annually to stay as close as possible to balance for each organization.
We also take into account the average spending of similar organizations. This way, a small organization won’t see its contributions increase drastically if expenses exceed forecasts in the first year. Its risk is pooled thanks to its size and tenure. This protects it in case of exceptional costs, such as dental implants or hospitalization.
This tailored method ensures offers that match our clients’ needs while keeping the contract in balance.
Alan is the only insurer that provides an optimized rate for each organization, whatever its size, from the very beginn
The Alan subscription
How do we finance our services and innovations if we don’t make money on insurance premiums?
That’s the core of our model: a per-member subscription, giving access to our innovative services through the Alan app.
From day one, Alan’s ambition has been to be much more than an insurer. Every day, we commit to being the health partner that prevents, protects, and supports the employees of the organizations that trust us. To achieve this, we’ve developed innovative services that make healthcare more accessible for members while keeping costs under control.
Alan, your everyday health partner
80+ health professionals at your fingertips
With Alan Clinic, members can chat or have a video call with health professionals, 7 days a week, at no extra cost.
50% of users say they’ve avoided an in-person consultation thanks to this service, helping reduce expenses.
A physio in your pocket
Our two-week program, included in Alan coverage and available in the app, helps members understand and reduce back pain with the support of a physiotherapist.
80% of users report their pain has decreased or disappeared, leading to fewer osteopath visits.
New glasses without leaving your couch
Alan members can order glasses with no upfront payment or out-of-pocket costs, delivered in just 4 business days.
Our clients have already saved more than €800,000 through this service, helping to keep their contracts balanced.
Alan and you, a lasting story.
Alan offers transparent and fair health insurance. We support our clients every day in protecting, preventing, and improving the well-being of their teams.
