最有看点的互联网金融门户

最有看点的互联网金融门户
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法国小企业保险平台Alan融资2830万美元

不久前,法国保险创企Alan宣布完成2830万美元的A轮融资。本次融资由Index Ventures领投,Xavier Niel以及现有投资者CNP Assurances,Partech和Portag3 Ventures LP跟投。

Alan联合创始人兼首席执行官Jean-Charles Samuelian表示,小公司往往很难获得大型保险公司的服务,或者说服务的收费更高,而Alan要做的就是改变这一现状。

Alan希望将保险变成像订购软件服务一样简单的事情,不仅使用界面简单,而且定价明确、理赔报销政策透明。

Alan方面表示,所有用户公司的收费标准都是相同的,只不过员工的保险价格会随着其年龄增长而上升。

目前,该公司的服务范围还局限于法国,累计服务了850多家企业的7000多名员工。在经过本轮融资后,Alan计划进一步拓展欧洲市场,不过鉴于欧洲各地的保险法规也各不相同,整个过程可能会比较漫长。

此外,Alan还计划进一步拓展团队规模,提高平台盈利能力。据了解,目前Alan每年的收入大概在500到600万欧元,未来该平台计划将这一数字增加到1亿欧元。

 

French startup Alan closed a $28.3 million Series A round a few months ago. Index Ventures is leading the round, Xavier Niel is participating as well as existing investors CNP Assurances, Partech and Portag3 Ventures LP.

Alan  wants to make health insurance as simple as subscribing to a software-as-a-service product. It starts with clear pricing and transparent reimbursement policies. For instance, you can cover a 30-year-old employee for €55 per month.

The price will be exactly the same for all types of companies. The only thing that changes is that you’ll pay a bit less for younger employees and more for older employees. Each employee can choose to cover their significant other for the same price, and their kids for an extra €40 per month.

And then, Alan is following the startup playbook. The overall user experience is much nicer than the interface of a traditional health insurance.

You get a modern dashboard where you can control and view all your health expenses, a mobile app and good customer support. You can also add life insurance from CNP Assurances from the same interface.

This simple promise seems to be working quite well as Alan now covers 7,000 employees across 850 companies. As you can see, the startup has been focusing on small companies as it’s easier to make them switch.

Alan co-founder and CEO Jean-Charles Samuelian also told me that small companies are underserved by big insurance companies. There’s no reason you should pay more because you work for a small company.

With today’s funding round, Alan wants to offer the same product at scale. The company plans to grow from 22 employees right now to 80 employees by December 2018.

“The goal is to reach €100 million in annual recurring revenue as quickly as possible,” Samuelian told me. The startup currently generates between €5 and €6 million in annual recurring revenue.

Eventually, Alan wants to expand beyond France and address other European markets. While the U.S. seems like a big market, it’s already quite crowded. Samuelian thinks there will be a bigger opportunity by building a European company. It’ll take quite a bit of time as regulation is different in each European country.

Recently, Alan has been focused on building a solid infrastructure, optimizing processes and automating tasks. In many ways, Samuelian still thinks about Alan as a tech company. “We want to build the Apple or Google of Europe,” he said.

Alan can beat competitors on price and flexibility by building a tech product that actually works — that’s how you can serve 7,000 people with a lean team.


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